I love Jesus, pizza and the Enneagram, and I’m the host of The Rachel Cruze Show-which you’ll find here on RU-vid, on Facebook, and wherever you listen to podcasts. I teach people how to get out of debt and win with money.
As Dave Ramsey's daughter, I was taught from an early age how to give generously, spend wisely, and save for the future. I understand the dangers of debt and have seen firsthand the damage it can do.
Learning how to tell my money where to go using a budget was a game changer for me. I found that the more I did it, a budget didn’t limit my freedom-it gave me freedom. And I’m passionate about sharing that so you can experience that freedom too!
Since then, as a Ramsey Personality, I’ve written four bestselling books and met people from all walks of life who just want to get their money under control.
My message is simple: I want you to take control of your money and create a life you love!
They just dont want people to feel entitled without working for what you can get. They protest when they have to work 35 hours a week and don't get their full five weeks plus holidays off.
Overall I agree with Ramsay’s teachings. But if someone’s telling you to sweat going $5 over your grocery budget…. Man you’ve only got one life. My god.
Iranian Grammer Police out in force these days, aren't they? Its a worldwide issue of native speakers of one language mispronouncing words of a second language. If someone is making an attempt to communicate I'm grateful for it. I guess there are no Farsi speakers who 'butcher' the English language?
People need to beware lifestyle growth; the more you make does mean you should spend more. Live within your means dont eat out, buy cheap, show moderation, be wary of debt, and stay within your needs.
my partner and I dont make alot but also work ~32 hr a week (separately) ; but if we were to instead work a standard 40. the extra pay would go straight to savings. We chose not to because time is more important and we meet our needs.
Sounds ridiculous. I use self check oit to keep track on my time. No rush. I scan all important things firsts. Then the kinda needs and all the not as needed or want items last. If im in budget, i make chocies. I get somes attention for the items im not getting. Thats there job to return it to shelf.
Those are good cars. However the problem with cars over 10 years old are the rubber components that start to break down over time. While an o-ring might be 30 cents to replace, it's in a part that takes 2hrs to swap out. Just make sure you're setting money aside for yearly maintenance cost - just like any other car.
I make 70k, I don't live paycheck to paycheck. I saved, didn't over spend on entertainment stuff. Have my own house, acreage, and got a car with most excellent gas mileage so I can spend just $30 /week on a 75 mile 2x day commute. I can afford more because I don't live in town. Stuff in the city and immediate suburbs is hella expensive!
Bull@@@@ , drive a regular car and sell that vacation home at the shore, send your kids to public school, and let your kids go to a country college, you will be fine
Here in Australia, our authorities have only now admitted cancer causing properties have been in our water systems. When our cities are hundreds of miles apart it’s very worrying/suspicious that all of them have been contaminated, not just one, or two.
Delivery serv. Can't do it. When the fees are more than the meal I physically cannot. Also any expensive version of household disposable things that's should be cheap like paper towels , dish soap that sort if thing. My hubby will spend a small fortune on detergent and the cheaper one works fine
Everything is so expensive. Food, water, electricity, medical insurance, car insurance, taxes, property taxes, mortgage, kids college tuitions, gas. We continue complaining, but no one does anything for the working class because we so call make too much.
She makes 12.500 dollar a month!!! She can have 3, a white one, a black one, and a brown one😂Ooh you want the 500 dollar bluetooth speaker on it, lets do also 3 off them😂
I suspect quite a lot of those people who are saying they live paycheck to paycheck are doing so after contributing to 401k or savings though. In that regard so am I. As my money goes straight out of my account into investments before I can get my hands on it.
When I purchased my car I didn’t buy it to sell. I bc wanted the car new. I wanted very specific options and colors. I’m sure I could have found it with all my specific wants, but it would have difficult. There are also pros to not have anyone else own and drive the car. The argument about net worth is asinine!
Trader Joe’s is not that cheap most things I would buy there cost the same as Whole Foods/costco and quality or ingredients don’t look as good. Aldi is great but there is not Aldi where I live of course
She kills me with the “moral” argument. She’s never had to use a cc because she comes from extreme wealth. All her wealth originates from the Ramsey name. Nepotism at its finest
I am divorced 5 years. I live on roughly $17.000 a year. I budget every dollar. I drive an 11 year old car. I live with a roommate. I am 51. I am in debt. For years I used credit cards to buy groceries, put gas in my car, pay for repairs, pay medical expenses, etc. I also have school loans. I am desperately looking for a job that will work with me & not use my age or gap in resume against me. I am living month to month with not enough to pay my bills let alone live. I have been struggling to only use my debit card and pay my debt even if it means going without necessities. My heart goes out to anyone struggling no matter what income you are at! ❤
Check out resources by Ramsey personality, Ken Coleman, who guides people in finding meaningful work and helps people grow their income. I lived for about six years only having temp jobs and making about $12-$15 an hour, and so I know what it’s like to not have a lot to live on. Blessings to you!
That’s all fine and dandy, until she gets ”bored” of the marriage and has a 70% chance of divorcing you and taking half of all your assets and you get cleaned out in family court. That’s why it’s good to keep what you can. You see, the divorce rate is so terribly high and so often initiated by women on a whim, that it’s almost a guaranteed loss for men.
I have a 2 year old at home. I can tell you, the cost for child care is RIDICULOUS. The amount you’re SAVING by staying at home is almost the same as the income you’d be taking home…
@bikeman9419 No I literally have nothing but an average vehicle, a tiny apartment, and basically nothing else is 100k doesn't even come close to covering my bills. I haven't gone out in years because there is no way to ever save up enough money to even do anything for entertainment
