Dave Ramsey Rant - Have You Ever?

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Опубликовано:

10 авг 2016

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Комментарии : 103

@workingshlub8861 8 лет назад

i was so close to filing bankruptcy 3 years ago...i worked 60-80 hour weeks for 6 months to pay off all my credit cards. that was the worst 6 months of my life.. my boss was cool about the overtime he understood my problem. i have no cards and no car loans and never will again. listen to dave he speaks common sense. dont live beyond your means.

@EROBLOX2014 7 лет назад

working shlub I agree with you.

@marshhen 5 лет назад

This is why I love this guy. How rare to have someone come back from this kind of experience and devote his life to helping others avoid it. It is so important that we talk openly about debt, money and the emotions of it. It would prevent so many errors and suffering.

@aurorinezori9876 8 лет назад

My parents were these people... And I feel sad that I was too young to find a solution 30 years ago... Now, thanks to YT, my husband and I have changed our family tree... Thank you Sir

@petittall557 6 лет назад

This guy has endured so much pain, but he's been resilient. Patience always pays off!

@chowceo 8 лет назад

These type of Dave stories really show how he is "the real deal" and make me respect him so much for where he has come from and how he helps thousands of people.

@GermantownFamily 8 лет назад

Did all that. BK, car taken, lost house, signed bad lease agreements, maxed out cards, and unless it happens to you - you can never "get it." It impacts YOUR mental state in BIG WAY - IN A NEGATIVE WAY.

@diii0.0 6 лет назад

Love this man, he's like the caring, wise and funny uncle I wish I had lol (my uncles are not like him and they're in debt lol)

@nationix9684 8 лет назад

I like how he pauses. there's so much emotions behind it.

@shoeyxc 3 года назад

I sometimes wonder if Dave has some PTSD from his crisis

@rhondawiggins5728 3 года назад

@@shoeyxc Absolutely

@gusmoreno3167 8 лет назад

I have never done none of these mistakes. I am glad I have found these videos prior to stupidity. Is hard making adult decisions to child desires.

@geoffreymungai7895 3 года назад

The man speaks directly to your soul

@chowceo 8 лет назад

I have been listening to Dave for a few years and this video of his show is the most impactful, honest, and real as it can get. I could feel his pain of his story.

@danieladams1721 8 лет назад

my favorite video by far been listening to you for 2 years now ive listened to to money makeover pver 15 times this year. my best year so far! been paying 800 bucks a month paying it all down! and im barely above minimum wage!

@M4RKEDYT 8 лет назад

Anyone else wondering where this video was gonna go from that title?

@ozarka1110 8 лет назад

dave ramsey is the man

@danielmills7199 6 лет назад

You and your story dropped me from letting things get that far. Dave, thank you for not keeping it private. Thank you for your courage in laying all of your mistakes out there for all to see and the willing to learn from.

@Patsyketsy 7 лет назад

Most real talk ever. So true my man.

@ericbanasiak2952 7 лет назад

I just over drafted because a bill came out earlier than scheduled. I've been so focused getting out of debt quickly, I forget to pace myself.

@luciusromero1686 7 лет назад

Made me cry. Hahaha. Pulling them heart strings.

@fpl_bailey 7 лет назад

one of the best videos on youtube

@neptronix 8 лет назад

Thank you for the inspiring talk, Dave. Keep the tough love coming dude; it is exactly what is needed. Rock on!

@noziashahapor9299 7 лет назад

You are such a true lover @Dave Ramsey..... Tons of respect for you.

@pontiachotshot 8 лет назад

Oh man i have been their ! I was just busy buying stuff like we all are programmed to do in life, house ,car ,furniture and finance it all.I was doing landscaping to my financed house and was listening to talk radio and Dave came on.I first thought he was crazy and it was just for rich people,so i ignored him and kept on.Then a year later i herd him on the radio again and i was deeper in debt,so i thought hmm maybe this guy knows what he is doing.I have never looked back since then.Its been 3 years since i have found him and have squashed a ton of debt.The future is looking very promising.I didn't realize what i was doing as my parents raised me to buy it if you want it and finance it.I get so many weird looks now and some nasty comments from people who haven't had their eye's open'd up yet.

@sjradical 8 лет назад

I'll keep tuning in this show. wanna share this kinda testimony soon.

@debrawilliams7983 7 лет назад

I love these 'rants"!! I really do!!!

@markwhittaker6866 3 года назад

Me too.

@freedominabudget 8 лет назад

I've done so many of these things! But thankfully not anymore thanks to FPU!!

@trabajarhablar 5 лет назад

Dave, I couldn't relate much but I attribute that to my High school required me to take your personal finance curriculum. I have strayed here and there from the principles you teach but it always kept me out of financial trouble and now that i'm listening to you again I feel like I'm making some real traction with my finances. Thanks for all you do.

@SpeakerBuilder 7 лет назад

Absolutely, growing up and getting healthy is an act of the will, it won't just happen, we have to choose to make it happen, so many times in my life I made that choice, "I have to stop doing this", "I have to go do that", "No more doing this", "time to start doing that".

@wrenchguy2937 4 года назад

My fav one to date. Thank u for changing my family tree

@Jesseg-rj6xf 6 лет назад

Lately I’ve been feeling like it’s one thing after another. Not making progress. I come to this video for motivation. Thanks Dave!

@finallyfiguringoutlife9177 7 лет назад

My favorite video!!! I've been through (still in) the storm because of job loss and underemployment. I wouldn't change a thing because the lessons learned have been life altering! If only I had figured this out when I was young. I'm going to be coordinating Financial Peace later this year and plan on playing this video. Btw I had a Dave Ramsey fight with my cell phone provider. My phone is dying so I was researching new phones. I told the salesman I wasn't paying $500 plus for a new phone. He explained the 30 month installment plan wasn't debt because I was paying for a needed phone. I said I do the Dave Ramsey plan and yes it was debt. He said Dave Ramsey said it installment loans weren't debt. I asked him who Dave Ramsey was. He had no idea! I walked out and have found a cheap option for a new phone and it won't be with that carrier. I started an envelope to save for the new phone!

@kaizer9455 5 лет назад

Good job. You're on your way! 👍

@evanwindom3265 3 года назад

This is WAY more useful and effective than yelling at people about how stupid they are. They're vulnerable when they call. "I get it" probably helps more than "What were you THINKING?!?!?!?"

@stephaniejane306 5 лет назад

Thankyou so much Dave! I'm so glad I found you before I did really stupid stuff. Sure I have purchased a few things that were a dud, cost too much for the item etc. But I haven't been really stupid. I have learnt from you, Dave, and from my parents situation which is a complete mess. From looking at my parents situation I have vowed to never be where they are. Thankyou for spreading your message Dave! You have changed millions of lives!

@ryannparker9191 2 года назад

My favorite Ramsey short. So honest, so grounding and at one time was so relatable. Thank you Dave and team for helping me change outlook and approach towards debt.

@tiliadavis5568 Год назад

Realness! Thanks for sharing your experience. It takes a great amount of courage to be transparent in this matter. Owning one’s decisions and accepting them is brave! I can definitely relate to the discomfort and the feeling of shame.

@sagacyberdemon 8 лет назад

just Awesome... keep the excellent video coming!

@amithity8065 8 лет назад

Love this video!

@pyungte 8 лет назад

Wonderful, thank you

@yeseniarebollar6070 4 года назад

Man, I wish I could just give Dave a big hug and thank him for bring the beast out in me financially 🙌💪

@mikebarnes1239 3 года назад

Great advice!

@rhoadestraveled 8 лет назад

Yep! That's what changed me!

@charlottestovalll9760 14 дней назад

This whole video is great.

@del_84 8 лет назад

Imagine if you had to drink every time you did one of these "have you ever"s. Some people would be obliterated.

@contact406 8 лет назад

Most fatal drinking game ever. LOL

@tjdude09 8 лет назад

Yep been here before.

@sjradical 8 лет назад

it's encouraging for me. if I'm on the us I'll attend fpu.

@Tallshipdreamer 6 лет назад

Wow...reading right out of my personal diary.

@kevinperez7555 6 лет назад

I can relate to this Dave from his past. I'd like to relate to the current Dave in the near future.

@juliaespinoza573 7 лет назад

Thank you Dave I'm on baby step # 2

@TheRamseyShow 7 лет назад

Julia, Thanks for commenting on and watching this video! Don't forget to subscribe! ru-vid.com

@craigslistoceanside8677 6 лет назад

Julia Espinoza How’s it going in regard to your baby steps a year later?

@elsaromero4743 4 года назад

Worse feeling. Never ever again will I put my self through that stress... Dave talking about it makes me feel the stress all over again.

@kdhartman44 4 года назад

Water thief!! That's hilarious!!

@markwhittaker6866 3 года назад

😂😂😂😂😂😀

@cavavillven508 8 лет назад

Love this!! Great rant... and yes, we were "there" at one point. We grew up alright lol!!

@crowtservo 6 лет назад

I once hid out at my parents house to make sure they didn’t repo my car at my apartment.

@glowfishin1 8 лет назад

yes. yes I have.

@absolutetruth5833 5 лет назад

Lol...Dave yes I have been there. I can laugh about it now!!! Because I am not there anymore ;0).

@robertthompson4224 4 года назад

Have you ever pulled up to get gas, I was to scared to check the bank account because it was ALWAYS in the red. Handed the gas attendant my debit card. And PRAYING he doesn’t hand it back. Saying it’s been denied. That happened several times. Fast forward to now. Plenty PF Money in our bank account, because of you & your team Mr. Ramsey. My library in our house will be filled with your books

@andreweasty 7 лет назад

oh the good old pre payment penalties i got stung on that when i was 18 or 19 first time borrowing money $3600 all because i wanted it now and not in a month and the bike got stolen a few months later and the pre payment penalties where more then the loan. With the insurance pay out of 4000 it made it 3000 still because of the early payout fees. made me so mad!

@rixx7851 6 лет назад

andreweasty I've never even heard of this! That's horrible

@crow-vz5lx 2 года назад

Ramsey hitting them old chords

@pomguerrillero 6 лет назад

Amen

@probablyworking3905 6 лет назад

I once went to Sams Club with my boss so she could buy small Christmas presents for the team and she knew I had a club card. Well the membership needed renewal and I didn't have the $35 in my account....it was the Monday after payday. I was so ashamed and still remember the look on her face as we left to go to another store.

@easye1515 6 лет назад

Melinda B Don’t worry about that b@#*%. She’s a low life that was trying to use you. She should have paid for your renewal.

@sandrahardy9891 5 лет назад

She only knew because you told her. Keep your personal business to yourself. Not trying to be rude but people only know what you tell them. Sorry

@MrEherndon5 8 лет назад

Good talk player.

@rebeccaweinstein6560 4 года назад

Serious question: It seems like so many people are dumb with money, rack up debt, but still manage to retire and get by. How?? I will still be smart with money because that is the kind of person I am, but am I the dumb one to work so hard to avoid being homeless and it doesn't seem to happen to anyone else?

@craigslistoceanside8677 6 лет назад

Nowadays, they put a lock on the water meter... 😕

@muhammaddarain8255 Год назад

❤️❤️❤️❤️❤️

@gonzalezpandura 5 лет назад

What about bank cards? Like a debit card. I live in a rural area so that how I pay all my bills.

@stephaniejane306 5 лет назад

I'm not sure I am following. Debit cards is perfectly fine as long as you budget and are good at reconciling into your budget so you aren't going over on categories. The every dollar app is great for debit cards. Credit cards Dave doesn't really approve of. Remember if you have a habit of overspending on categories than try cash envelopes.

@donaldlouie7354 8 лет назад

Amen!

@Freedom-em3zb 6 лет назад

I decided. 3/11/18, Every dollar budget done, transactions entered.

@gonzalezpandura 5 лет назад

I have done all those Mr.Ramsey accept stealing utilities.

@AltruisticApe 7 лет назад

have you ever drank Baileys from a shoe?

@mackenziebruce3639 6 лет назад

AltruisticApe Old Gregg

@pinaopina 8 лет назад

Stealing water?? Wow Dave I feel for the old you. That is very low but what matters is that you turned it all around. Congratulations. 👏🏼👏🏼👏🏼👏🏼

@jackwills543 8 лет назад

stealing water isn't that low.

@woodbrassandglass 8 лет назад

Your life can take drastic turn when you see your own kids starving or not having drinkable water. All of a sudden you don't care what anyone thinks.

@lukeb8045 7 лет назад

He wasn't stealing water, he was just going to borrow it for a while.

@DaynasPage 8 лет назад

💝

@drjoe1886 5 лет назад

I appreciate your videos and am an avid listener. However, everyone isn’t stupid. Having a 4 month old daughter needing two open heart surgeries that was supposed to be an in and out of the hospital in a week ending up being almost a year due to complications and my baby dying and being brought back to life, and subsequently ending up with over $3 million in medical bill debt despite having insurance, is not about being stupid. Yes there are people who make stupid decisions with their money but some get caught up in situations such as surgeries, cancer, etc that end up with a lot of medical debt. They are not stupid sir.

@stephaniejane306 5 лет назад

I think you have misunderstood. What you are talking about is unavoidable circumstances that pretty much everyone has to go into debt for. Your circumstance is a rarity or an outlier. Dave is talking about things that can be avoided. Credit card debt from over spending, car loans etc. I hope your daughter is doing well and becoming a healthy, beautiful child.

@sarahthornley3245 6 лет назад

I enjoyed this video because Dave wasn't screaming for once. I really don't care for that.

@RealLifeMoney 8 лет назад

Just decide...

@darlenesleeth-poirier1997 7 лет назад

Why do you have to pay for your kids' college? They can work and pay for it themselves. If u live near Canada, our fees are like half of what yours are

@rjt1985oct 7 лет назад

you don't HAVE to, but if you're going to that's where he suggests you put it into your financial plan. after you take care of your retirement

@lindenpeters2601 7 лет назад

Darlene Sleeth Near Canada, or *in* Canada? In the US we pay for college only if we choose to attend, unlike other countries, where you pay extra in taxes so others can go to college, whether you attend or not.

@TheRamseyShow 8 лет назад

Thanks for watching everyone! Also, checkout The Rachel Cruze RU-vid Channel for life and money tips. ru-vid.com

@debrawilliams7983 7 лет назад

I started reading your article in Woman's Day magazine a couple years ago!! Always loved it!!! now I have this!! Even better!! thank you Mr. Ramsey!! have a whole new attitude about money and debt now!! Thank you!!!

@saxachewon8062 5 лет назад

Joey, Have you ever....been in a Turkish prison?

@bneyens 7 лет назад

His daughter has done NONE of those things, yet we are suppose to listen to her... Its like listening to a lotto winner talk about how to get rich.

@granitemoss1451 6 лет назад

His daughter was raised on this stuff and is now a young woman with a family of her own who has to WORK for what she wants. Her father doesn't pay her bills, she and her husband do. You act as if she is fed from a silver spoon, when really, her true advantage in life was that her dad did this stuff and taught her not to. Why are you holding it against her that her parents passed their wisdom about finances on to their children?

@AbenaAsamoa 6 лет назад

Bob Marley you don't have to be in debt to give advice or still work the principles. I was never in debt but I was an extreme-consumer. I just kept buying and never budgeting, investing or saving. The Total Money Makeover have me so much knowledge which I have applied. Sometimes and just sometimes you don't have to go through bad experiences to learn