Financial Cigarettes - Dave Ramsey Rant 

“Wells Fargo Double ugh!” Lol

I love how when he rants he crosses his arms and wanders off into his own little world, lol

Dave, you are an absolute gem! I am learning so much from you. Never stop ranting 👍 America needs this real talk, we need to be slapped out of our stupidity

Zero credit card debt for me. Once you taste financial freedom, there's no going back. Cash is king. Live below your means.

They didn't make any $ on me!!! Paid off 37k and closed all my accounts!

I applied for a credit card recently and I got rejected, because I don't have a credit score. Over 30 and always used a debit card only. A blessing in disguise?

Bank Of America is a great bank.... Said no one ever...

Love this! They don't make any money on me! I live my life well with no debt and no credit cards!

I love it how Mr Ramsey says it how it is... clear and simple, he’s such a inspiration ever since I’ve come across him, I’ve paid off all my credit cards and cut them up, now I only own a debit card. Thank you for helping me see the light.

Thanks to Dave I closed my credit account yesterday with $0 consumer or college debt at 26. I don't owe a penny for my 10k car and I've saved 5k which I also invested yesterday at 8% annual rate. One of my future goals is to become a financial counselor in my country, where stupidity is also rampant. People around the world need to start saving and investing and stop trying to impress folks they hate. The things you own end up owning you!

Yep I used to own one for the “rewards” (travel insurance, cash back etc) but guess what? They won in the end. No more credit cards for me ever. Been clean four years.

The only people who are concerned about credit scores, cash back, points, and airline miles are people who want to be in debt or want to stay in debt.

I finally pulled my head from my backside on this. I'm now fully committed to baby step 2 and have already closed 4 of 10 accounts with another on the chopping block for this month. I hope to be debt free by my 30th birthday in October.

It took me $8,500 to finally cut my 5 credit cards, except for the amazon one, that shts made of metal but I sanded it out of existence and tried to use it with the message received "declined, unreadable". I cheered and the cashier looked concerned for me.

After I got married about a year ago my finances became consolidated with my wife’s. I went into Bank of America to close a personal account because they were charging me a $12 maintenance fee for not having $1500 or more daily! As I was in the bank with a representative and closing my account she consistently kept trying to sell me a credit card even though I was there to close my account LOL! They are such a joke, she was trying to sell me on the percentages back on shopping and gas etc. SCAM SCAM SCAM

I love Dave's rants lol

"I GOT A GOLD CARD BABY! I'M SOLID GOLD!" I lost it there xD

I found your show because I got interested in fixing my finances and every single investor/ author I read/watched mentioned you. Your honesty and straight to business attitude make your message go far. I'm from Brazil, I tell you: you are helping people that don't even speak your language. Great work. Thank you.

I definitely do NOT regret staying away from credit cards. I've never needed one and I've avoided all the burdens that come with them.

Thank God I'm done with credit card. Now I use what I got. I don't owe no body. That's a blessing! Love this video!

$30,864 per SECOND in revenue.

Only have a little bit of credit card debt left. Once it’s all cleared up they are meeting the paper shredder!

Play stupid games. Win stupid prizes. Don’t charge things. Live within your means.

Smoking section on a plane or restaurant is like a pissing section in a pool lol

If you cut your credit cards up into small squares you can wear them like a nicotine patch on your arm, to remind you to quit. If that doesn't help, chew them up and think about your debt as your mouth heals. Selah! Love you Dave!

I think WF earns more than just a double-ugh.

"It beats YOUR double-wide!" Hahaha

Love his sarcasm 😂😂

No credit cards here! Also no problem renting cars and traveling with my debit card! Crazy! :)

I know it’s not the Dave Ramsey way but I’ve started treating credit cards like my debit card. I make a purchase and then pay it off right away. And I never have cards that have an annual fee.

Thank you Dave for everything I hope one day to be debt free

I woke up! Never again am I getting hooked on credit, I’ve been through more than enough instability to scare me away from it, so I swore off the things:)

"Seriously Charles" Lol!!

The Credit card business sounds suspiciously like the Mark of the Beast. If you don't have a good 'credit rating', you won't be able to buy and (maybe soon) sell.

Double ugh.

Funny the commercial that came on before this video started for me was for a company called Philly Credit Mechanic I laughed at it then pushed the skip button to get to this video faster.

I laughed my pants off 😂😂😂😂 Love you Dave, lolol

Bank of America treats me like a number and I treat them like a bank. Don't break their rules and they won't penalize you, this is a business relationship not personal. Keep your feelings out of it.

This is a good rant. He is basically saying that low interest rates from the fed are advantageous to banks and not to the consumer, generally.

Where is the David Ramsey soundboard? "Double UUUH"

inability to defer gratification is the Achilles heel of all humans.

LOL @ people think they are doing something by paying their credit cards in full every month. Um, that is what your suppose to do! Want to show real financial power? Try living without one!

95% of the smokers I observe have less than 5% of my net worth, and even aside from health concerns, I consider that I could not afford to smoke. Poor people behavior...

I have a credit card that comes with a free auto club membership. I have used it twice for dead batteries since it's free anyway. The annual fee is waved because I have over $5000 in my account. I pay it off every month. Basically they aren't getting a cent out of me. Not surprisingly I get a notice in the mail saying this credit card is being cancelled (before the expiry date) and will be replaced with another one that has no auto club, a lower cash back reward and no annual fees! (That I already don't pay) and so the incentive for me to use this other card is???? The only reason I have it is because of the bank calling me over and over offering this card with a free auto club membership, then they bait and switch the card with a no perks card. Come on am I stupid! I don't want the other card!

Dave is talking about me I'm an idiot and i can't stop being dumb!!!! I'm addicted to stupidity!!

My mortgage is $290 per month, the only debt I have.

The whispering made me laugh so hard

“The credit card 💳 is the cigarette 🚬 of the financial world 🌎.”-Dave Ramsey

I would say a triple ugh for Bank of America !!!!

Never got a credit card although i work in company that offers them, Ironic.

Dave's humor cracks me up! I literally am laughing out loud watching this video! Thank you Dave for your wisdom. I have learned so much from you! :)

I’m outside freezing getting my fix watching old Dave.

Downvotes incoming: I use a credit card. It costs nothing ($0/year), it's paid in full ($0 interest paid), provides me with free insurance ($0), it provides me with 0% liability in case of fraud, it doesn't expose MY cash every time I use it (but rather the issuing bank's), it gives me points (who cares but why not), it has a worldwide network, it can be used for online and recurring payments. The problem isn't with the product, it's with the user. Hilarious that people wouldn't use it for its benefits because many idiots misuse it and get wrecked with fees & interest. Yes, it's possible to use a CC intelligently.

great rant Dave!!

“It kills you, and it makes your breath stink”… AND IT COSTS A LOT OF MONEY!

"...It beats your double wide." I'm still laughing at that!

I just love this guy.

One time I got a credit card from BoA, since it had no annual fee When it came in the mail my Dad opened my mail and ran into my room and started yelling at me I let him do the whole speech and finally at the end I started clapping, giving him a round of applause He's like "what?" I said: "Dad, I got that so I could cut it up when it got here"

Hmm... Mr Ramsey is feeling especially sassy today....

Love this!

The non smoking area in the front of the plane actually makes sense since the ventilation system goes from the front to the back so the smokers in the back have a small headwind preventing smoke from going to the front

A restaurant with a smoking section is like a swimming pool with a peeing section.

The cigarette comment: it kills you AND your breath stinks😂

No one can explain better then Dave

He is right, but he's turning into a ' Drama Queen'.🤣 This guy was so reserved during 1995 interview.

best analogy I've ever heard

I'm crying with uncle dave humour 😅😅

CREDIT CARDS WERE ONLY CREATED FOR BANKS AND FINANCIAL INSTITUTIONS. NOT, I REPEAT NOT EVER AND NEVER FOR THE CUSTOMER. We the people, EVERY WHERE DO NOT NEED THE CREDIT CARD. AMEN

20 years never had cc debt. Dont blame the card for your financial stupidity. Living within your means what a crazy concept.

the govt is setting a bad example, spending money they don't and won't ever have.

Unions are being attacked from all directions. Wages and job security is going down while cost of living is going up every year. Top is taking most of the money and leaving the scraps for the rest to fight over. Now they made it even harder to sue banks for defrauding costumers. Scary times ahead.

This was fantastic. I was thinking "I wish I'd listened to you when I was getting myself into ridiculous debt in my teens and early twenties" .. but then I thought, I probably wouldn't have listened because of who I was then. Wanted to ask what you would say to a young arrogant financially ignorant adult with low self-esteem?

Smokers are jokers..Todd Flanders 🤣👍🇬🇧

Omg this made me laugh the whole time 😄🤣😜

I really have lost all trust in my own credit card recently, I started one to build up a decent credit rating for when I buy a home, but the bank has been really messing me about... I set up a payment plan that pays the card IN FULL at the end of every month, flawless am I right? Well turns out I was wrong... end of the month comes, expect to see £300+ removed and what do you know only £70 was payed off, went to the bank the next day only to be talked to like a child by the staff, apparently they know more than me and apparently to them IN FULL means barely a third. Long story short they fired out a whole string of reasons why the number was so low (Except the chance they may have been at fault) and I left the bank disgruntled but fully payed off once more. This month I'm recording my credit statement every day leading up to the payment date, if they mess this up again I'm getting their manager in the office, this isn't me being bad with money, this is them being bad with money... If they keep failing me as a customer they will end up loosing me, in both credit and savings. Word to the wise, if you risk getting a credit card watch it like a hawk, these banks want you to fail...

Nope to big wig banks!! Or banks at, all!! After I understood the scamming system I switched to a Credit Union. Credit Unions are going to be so much more helpful and actually care about you as a member.

cigarettes are nowhere near as toxic as credit card debt!

Thanks dave got rid of my credit cards years ago however I am still a work in progress with one auto loan to go and I will achieve mystery if it kills me

I love his rants!!!

I'm 27 with a 0 credit score

My stepfather is 75 and still doesn't believe it kills people, that the findings are wrong. 3 people in the house smoke and everything turned yellow-brown. I moved back a year ago and now I smell like I smoke. But I'm paying off my debt easier being here... it's all killing me. :-/

...And with holidays approaching I can only imagine how many credit cards will be swiped this holiday..🤔🤔🤔 And when you finance something I guarentee you the money was never there, the lender just banks off your written agreement to pay them

Hi from Moscow! I stopped to use a credit card and now I use only a debit card. What do you think about this cards?

I've never had a credit card and after this speech I will never have one

Still the best rant ever!

I got a visa with a $2k limit in ‘03. I maxed it out in 3 months. I cut it up & canceled it. Never touched another CC since.

I’m so glad I don’t have theses four Banks.

“People use money they don’t have, to buy things they don’t need, to impress people they do NOT like.”-Will Smith

Ohhhh Dave Ramsey likes Andrew Dice Clay - your smoking in a tube! His guilty pleasure.

Love you Dave!!! Lol, when are you becoming an actor, haha I love it!!!

SOLID GOLD!!!

Wow mainstream media could never have this guy on the air

His impressions just kill me 🤣

I thought for sure he would say “ Call the whambulance!”

“Beats your double wide!”

Dave can you PLEASE share your opinion on fractional lending, the insanity of the federal reserve, and the fact that our money is not backed by gold? I feel that since you are so old-fashioned in all other facets (paying cash, no debt, living below your means), are you old-fashioned in this avenue as well?

I can’t hit the like button enough 😂

Thank you for that

Who wants a credit card? 😃 lol

Now now. Don’t talk trash about double wides. They are excellent housing solutions for some people