10 Things to Do Differently with Your Money in 2022 with Dave Ramsey 

Good on you...

Congratulations that’s amazing!

👏👏👏

My ex-husband borrowed money on the house pushed the mortgage up and left me with a disability pension. I could not afford to repay and I have tried to establish businesses to help get out of debt. Nothing worked. But my faith and determination 🙏🏼 will get me through.

Congratulations 👏 and Weldon 👍🏿🙏🏿🙏🏿

my dad always taught me the same and i really didnt understand it until i got older!! God rest your dads soul ❤

That is totally AWESOME.

Wiseman!

I think this advice is more or less to help people who struggle with the urge to "keep up with the Jones" and end up struggling financially because of it, and not necessarily to judge or wag your finger at people for going into debt to make their purchases. That feeling to keep up appearances is hard to shake esp now days with social media so if you can remind yourself that some people with nice looking stuff could also be a paycheck away from losing it all maybe that would scare you enough into being more financially responsible. Assumptions do generally make people look foolish however and not everyone who has nice stuff is in debt. But a lot of is are 🤑

Wise man.

I love that! Thank you for sharing.

Well done. I'm battling with patience myself. How to you overcome that. I'm 29 and paying off my last debt. I don't own a house and started with retirement for the first time last year, contributing atlest 9% of my income per month. I want to get to 1 million networks when I'm 38. I don't know if I'll be able to do that.

Learning to be genuinely happy for other people is a key component of one's own success.

I was in the hospital too around that time but I was out of work for 6 weeks, I had a 6 month e-fund that I used to stay afloat and the rest I used to start the debt snowball.

Tell that to Dave directly. He doesn't believe Covid is a big deal, holds public large gatherings and regularly call people who support sanitary measures 'wosses'.

@@jacqueshetu639 And for another super-spreader event he wanted to hold, he called the event planner calling to cancel it (due to quarantine) an "eight dollar an hour twerp". Real classy.

So smart !

@@jacqueshetu639 he sure does love his bible

Gotta get people through some teasers to end with the “big stuff”

I follow each one of these except for no 3...

Thank you

Thank you

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Amen amen amen 🔥

I applaud you!!!

I know a lot about people like that.. it's sad that people think that way.. I have always had low paying jobs but mostly cause I enjoyed them. A couple I had were great paying well a living wage at least.. but gave it up as it was making me physically and mentally sick... I have never gone by the monies, never been out to get rich... In Fact, I don't know how those billionaires need that much money and some don't donate or give to family then they pass and money is gone ... even today that I am older people ask what would u do if u won a big lottery, would u by a mansion.. gawd no.. I live by my self would just like a med size condo probably some one to drive me around in a reg car not a limo and someone to help me with the clean and maintenance of the home.. Would by each of my family members a home not fancy just something they need not necessary want...

Minimum wage in San Diego is fifteen dollars an hour. Im not embarrassed at all to take that. In fact, I'm happy to take that income from a second job. I'm a pure capitalist.

Taking on a second job is what I call a hustle 🔥 saving extra money is goals and your paving the way for your future. I signed on for Uber eats and I can do deliveries on the weekend for some extra money. Ignore the ignorant folks!

Hello Pretty Happy New Year, how are you doing today?

@@TestTest-ei4gi Oh Jesus.

Biblical guidance to Christians who 1. Desire money more than God. 2. Worried over money. 3. Borrow money for basic needs. 4. Struggle in debt. Proverbs 22:7, 2. Galatians 5:1, Proverbs 19:17, Luke 6:38, 2 Corinthians 9:6-7, Malachi 3:8, Haggai 1:6, Proverbs 3:9, Philippians 4:19, Mark 10:29-30, Matthew 25:11-27, Luke 19:11-27, Proverbs 6:6-8, Deuteronomy 28:1-14, Proverbs 13:22, Hebrews 11:6, 1 Timothy 6:6, Matthew 6:24, Proverbs 30:7‭-‬9

Great job raising three kids and paying off the house on your own! Not only that, you’re beautiful!

Brilliant dedication 👏 👌

Me too! 🤗 I then mull over it and convince myself that I didn't need it. 🙃

Nice strategy, how do you mean family investments ? I am looking much to setup investments in stocks and other assets but have no clue how to start but now you mentioned it

I don't trade myself, I do this through my broker / IA Mr Benjamin ravies if you want he could help you too

Can I invest in American stocks from India, how do I invest offshore and will I be taxed? Please guide me

@@begottivince6711 I will like to connect with your IA please if you don't mind, how can I find him

Benjamin ravies (a gmai comm to mail him okay

I like her point of view a lot better than his.

I've been practicing Gratitude for what I have.😁

Amen!!

Hello Sharon Happy New Year, how are you doing today?

Boy, I'm right there with you on the cat food. I have four kitties and it's almost a shell game to find the food they like and in quantity.

@@wiseowl2020 we’ve been buying it at Costco but apparently there is an aluminum can shortage. I would make it but they require specific nutrients. Between wet and dry cat food and litter, our budget for cats is about $100 per month. I have 6 in the house and I feed ferals outside.

@@Taking_Back_Thyme oh I like cats but really scared of them lol..but I once had a Golden retriever it helped me alot do you train dogs?

I thank God for coming across this discussion. The principles are based on the word of God, which makes them trusted truth. Thank you

Yes to everything about Mr. Ramsey. No to Rachael who cannot talk without laughing!

You're doing Dave Ish :)

@@LyonsArcade yep, but it's worked for me. the only debt I have now is $7,500 on my house. I can't wipe out my bank account paying debts off because I always have some multiple thousand dollar expense pop up every year out of the blue

Well done and all that, but why did you have a boat and a car on loans for that amount of time haha

the car was on 4 years out of a 6 year loan when I paid it off ($30k car), and the boat was on 1.5 years out of a 4 year loan when paid off... I didn't exactly have the money in the bank to buy them out right. That's why I just get loans and pay them off several years early.

Boat loan 😬

Proud of you!!!! I know many who are just waiting for the govt to do it for them.....sad....

I agree! I’ve done this in the past where I would have something in my cart for awhile and if I spend too much time in the store/get tired I no longer want the item anymore

Hello Lori Happy New Year, how are you doing today?

I have always wondered whenever Dave retires and steps away, will the company’s model for its baby steps ever change? Or will things be updated in anyway?

Good idea

Awesome

That’s how I view spending money. I would rather invest and pay down my mortgage instead of buying useless items.