Hard Work Is the Key to Success 

Ken is awesome and passionate about his craft. ❤

💯

Exactly ! That's my major concern and what kind of profitable business or investment can someone do with the current rise in economic downturn

Agreed, financial advisors play a key role in portfolio allocation and i've been using one since late 2019 just before covid outbreak. So far, I'm barely 25% short of $1m ballpark goal after subsequent investments.

I'd recommend Margaret Johnson Arndt. She is a genius when it comes to diversifying her holdings. You can verify her identity for yourself by looking her up online. She is well knowledgeable about the financial markets.

All of what you said is HARD WORK, hard work is not just physical labor, but mental/emotional labor as well.

She made me so mad. She said it’s because of the death of her fiancés brothers wife!?! I mean that’s sad but that is one sorry ass excuse. It would be one thing if it was your significant other or your kid, but seriously that was just a fat excuse for being lazy

Thank you for the kind words, means a lot!

And kudos to the people who never succumbed to addictions despite adversity and trauma.That also takes incredible struggle.

Loved the transparency!

Yes, that's me.​ I just kept and keep telling myself " YOU CAN DO IT!" and the ONLY thing I relied on was MYSELF. Trust me, I'm not a strong person BUT IF I CAN CLIMB OUT OF POVERTY AND ABUSE without relying on anything or anyone else, then ANYONE CAN!@Joce123

intro song baker street Gerry Rafferty

And they all work if you read them and get something out of each😊

I think some of the values of the show are bettering yourself and learning which is done often by reading.

That part lol, for me personally, paying someone to watch my kids to work untraditional hours are counterproductive lol

Maybe ken doesn’t have that limited belief. What happens if he applies for 30 of them and one hires u lol.

Thanks a bunch 😌😁

Work smarter not harder sometimes people are so busy succeeding on a low level that they never look up to a higher level.

Chilllllllll😂

Keep going and reaching your goals! We're rooting for you, even if you want to rest.

At least most of them are shorter now; nice if you’re doing something that keeps you from skipping. I remember skipping one a few months ago that was over 20 minutes long.

It's like whack-a-mole. I'm only a week in to the 'AdBlock is now blocked' experience. It's especially obnoxious on this channel because Ramsey plays its own ads, too. I had learned when those would appear, so I could skip past them. But now the RU-vid ads intrude with no warning. Yuck.

Did he say master, I only heard 2 degrees.

You can do it, you are still young. Start now

You're not alone... and you too can overcome this

Hard work is just a pre-req You actually need to work smart and balanced as well

They need to stop advertising coding so much - the real need for that is a bit past now and AI will take over much of that in the very near future.

Dave even said his company won’t pay for “boot camps”

I see what you did there 😅

You didn't miss anything. It was a debt-free statement. The couple was too timid to scream.

I was wondering that too! My IRAs have not made anywhere near that, and definitely are still nearly 15% below their value from 2020!

yep!@@barbaras676

I know! When he says that, it makes me want to call my financial advisor to ask why our investments aren't doing those numbers. Then I realized Dave's doing "Dave Math."

@@bettedavis9261 He's so wealthy now, he probably doesn't check the real %age return, but I think he is giving other people unrealistic expectations.

From the average growth in stocks in the American stock market since 1920’s. If you do the math it averages out to 10% but historically positive growth has been between 10-15% FOR THE ENTIRE STOCK MARKET. That doesn’t mean companies don’t fail. That doesn’t mean you are incapable of losing money. It doesn’t mean you know how to invest. All that being true, his statement is a fact. You might just not have your money invested in what dave says to have your money invested in certain types of mutual funds. Below are the four mutual fund categories we talk about and the reasons why we recommend them: Growth and income: These funds create a stable foundation for your portfolio. They can be described as large, well-known (big and boring) American companies that have been around for a long time and offer goods and services people use regardless of the economy. Growth: This category features medium or large U.S. companies that are experiencing growth. Unlike growth and income funds, these are more likely to ebb and flow with the economy. For instance, you might find the company that makes the latest "it" gadget or luxury item in your growth fund mix. Aggressive growth: Think of this category as the wild child of your portfolio. When these funds are up, they’re up. And when they’re down, they’re down. Aggressive growth funds usually invest in smaller companies with lots of “potential.” International: International funds are great because they spread your risk beyond U.S. soil and invest in big non-U.S. companies you know and love like Toyota, Samsung and Nestlé. You may see these referred to as foreign or overseas funds. Just don’t get them confused with world or global funds, which group U.S. and foreign stocks together. If you do invest this way you’re likely to see the average growth of 10% a year. Your company might also have terrible investment options.

But utilities are paid monthly-not put on a credit card to pay back later at a higher amount. That’s Bill accounted for in the budget, not debt. Debt is when you pay it back later and some call it “bad” debt when you then owe interest and that $1000 borrowed becomes $5777 paid over 10 years.

You're overthinking the idea of hard work for success. Hard work for success is also, in large part, mental behavior.

@@DeeDeebing And mental labor, hard work as it is, still does not in and of itself deserve a reward. When I said hard work, I said nothing that would exclude mental labor. Hard mental labor wasted does not deserve a reward any more than wasted physical labor. I can spend a lot of hard mental labor contemplating the meaning life and that may well have a great personal reward, but that does not mean that anyone else is obliged to provide a reward. If Elon Must chose to spend a lot of hard mental work designing a new buggy whip, what should his reward be? Mental or physical, just putting in the sweat means nothing if the hard work is not directly related to a worthy goal for which someone will offer a reward.

Hard work is necessary but not sufficient.

Hard work plus smart investing equals success

​@davidb2206 Too many people have watched their parents wear their body out instead of finding a way to use their brain.

@@Joce123 exactly

That's hard physical work/labor, not the sole definition of hard work. Hard work is being intentional and doing whatever you NEED to for the finish line. A narrow mindset on these definitions is what makes most people limit themselves from receiving information.

Becoming a music producer is typically the goal for someone in music, but they would need to network and operate their skills as a business to make good money. So a business degree and self or tutored taught musical skills over 4-6 years would've got him there better.

No you don't.

Incorrect. Those people don't need a car, they needa better place to live.@@secretsquirrel6718

Sadly with suburban sprawl that's probably true. The automotive industry managed to turn its super expensive depreciating liabilities into a requirement for life. It's a disgrace.

This is Earth and reality. Do you not have critical thinking common sense enough to understand that Dave is kind of exaggerating when he says 4,5 or 6 jobs?

Some jobs are only 10 hours a week...

Stop taking everything literally GOSH! When they say that it's implied that what they are saying is to do whatever you can do, go all in. If the advice was useless, thousands of us wouldn't be living so well because of this advice.

@@motoryzen I wish he were exaggerating!

@@davidb2206 YES! I 100% agree with you. That's not what we're talking about.

Gotta get that number up. Rookie 😂

I know I do.. but need to get out of debt.. credit cards maxed, once I pay debt off. Then I can get more guns. And ammo. 3x 12g, 1x AR-15, 1x.300blk G17, g19,psa Dagger, (9mm) g21 (.45 cal) .. o wait 9. Forgot my car gun and bed gun. Lol

I have had 7 jobs at one time but 5 were contract work that was not consistent every week. It can be done but it requires a lot of organizing.

Makes sense. Fire the career professional because he lightly exaggerated to get his point across. 🙄

No, Ken is the best Ramsey personality. It is possible to have 5 jobs, you assume every job gives full 40 hours. It’s not about that, it’s about working as much as you can to get out of debt.

It's highly possible especially with the remote industry booming. Obviously all would not be part time. It's exhausting but definitely possible

Ken is a great guy as are all the Ramsey personalities and even better at his job.