If What You've Been Doing With Money Still Isn't Working , Try Something Else 

I listen everyday and this keeps me motivated to be out of debt by the end of 2024!

My husband and I have followed Dave's baby steps for twenty years and are Baby Step Millionaires. We are living proof that the baby steps work. We raised eight children on one income and diligently budgeted and invested for retirement. We have facilitated ten FPU classes and love sharing the plan and giving others hope. Thank you Dave, for being a part of our incredible family legacy!

I'm a millennial who was convinced I would never be able to afford a house. Now successfully paying off $48k of consumer debt and hoping to be in debt free scream in a few years. Thank you all for rekindling my hope in home ownership and living debt free.

In about 2.5 more years, we’ll have our house paid off. I can’t wait!

So inspiring to see young marriages pay off their house! My husband and I paid off debt, followed Dave's plan and now just hustling to pay off our house in CA! We are hoping to do this before hitting 40 :)

Came from Africa and made many stupid mistakes with money. Now a millionaire after taking FP is 2012. I listen to this show daily and also listen to Brooks and Dunn as a supplement, “only in America”

The debt free screams always make me cry. Way to go!!!

I purchased a 2002 Ford Focus in 2007 (car was only 5 years old) with 100k miles on it. The woman prolly finished her 5 year loan on it and traded it in for a new car. I picked it up for $1700. I put an additional $300 into it and I junked it when it hit 300k miles in 2017. Yeah, used cars are the bomb !!!!!

The only thing that has actually changed my life financially was doing a detailed written down budget that is on a magnet on my fridge. i found almost an extra 1,900$ a month! i was shocked dude and since then i live on pennys and stack my money for the future, im debt free and only 20 years only, renting alone so im getting to save 3/4 of my income a month. thanks for the help guys, george and rachel and dave all were huge helps. love y’all man

Love this show. It gives me hope for my financial future ❤❤❤

I love how uplifting Dave is and how proud he is of everyone he talks to who is doing well!

These debt free people are truly amazing! 🎉

I say school didn’t teach me anything about real life but. BUT. they introduced me to the legend Dave Ramsey who has helped me get way ahead of my peers

It must be so gratifying to have people visit the debt-free stage and see how you've helped them!

The idea of investing a significant sum of money may be both thrilling and intimidating. There is potential for considerable wealth increase with the correct strategy. How can one take advantage of compound interest and potentially grow your retirement savings/net-worth to about $3M over time?

The advise Dave gave to the kid that inherited 1500 acres of family land was ABSOLUTE GOLDEN WISDOM. Love it.

42:57 I like the way Dave addresses Chris from Dallas.. once Chris finally quit rambling

Dave you need to activate the translation function on every video. Spanish people living in US NEED your words. Your message is so powerful 👏👏👏👏👏👏

These videos give me so much motivation to stay away from overspending. 💰

Pro tip: Don't choose to live with your parents and drive 2 hours to work just so you can afford your new Civic 😉

Ha,...Ha,....lol,....George said: And we're all here for it!!!! 😂

The show always inspires people to do well financially . Thank you ! Chicago , Illinois

I’m already debt free. Been listening since Jan.1, and am truly motivated now to become wealthy and take control of my life financially

Ooh I love that you are encouraging the Hallow app!! I just paid for it for one year .. so much on there to fit whatever your heart is needing for that day. ❤

Ive been listening to dave for 20 years. His advice keeps my grounded. While he is the expert and i respect that, I do not believe all of his theories. When I was in college I had a credit card. Did not keep a balance. After college I bought a modest car with a modest payment on a 5 year loan. A couple years later I bought a nice house with a modest payment. Because my credit score was nearly 800 I got a 3% interest rate on the house. A couppe years later I paid off the car. Now a few years down the line my mortgage payment on a nice house is $300 a month less than renting a cheap 2 bedroom apartment in this town. My mortgage is fixed interest rate and will always be the same payment. Loans can be a great thing if you use them for something tangible that you can afford and do not let it get you to buy more than you can. Btw i paid that car off in 3.5 years and havent had a car payment in nearly 5 years. Now im able to save for the next car.

I have experian that monitors my credit, and it's fun how they try to encourage me to get more credit cards since I have no credit card debt anymore and it's all PAID OFF for good thank you Dave Ramsey and the team for all the motivation you all give us❤

Dave and George telling it like it is.

Never followed his steps completely, but I’ve always been able to stay out of debt. Aside from just taking a bit of credit card money for the 500 sign ups. Lol but I’m on the last baby step working to pay off my house. A lot of folks disagree with Dave, although I may not follow to a T his advice I feel is extremely great and could help a ton of people

Y'all are a great inspiration

We had to humble ourselves and go back to baby step 3. We were on 5. But I was unemployed and we realized how tight our emergency fund was. So now we plan to double it which will take time but in the end will be a real nice piece of mind blessing.

WOW....one thing that stood out to me was when he was talking about a renter he had that got cancer (@approx.1:30). Couldn't make payments. She didn't have to worry about anything, "She didn't have landlord problems BECAUSE he didn't have mortgage problems!!" GOALS!

I'm positive that John and Rachel had this call with 1500 acres of land the other week. Both advised the caller to wait to sell, as he's only 24 years old. (John actually said there's no way he would personally sell. In our throw-way culture, it's not worth selling generational property just to, say, buy a bigger house). What an amazing gift! Totally agree with John.

Changing lives, 1 life at a time,Thank you to the Ramsey Family

Ramsey was a little off on his math 4% of 45k is $1,800 but either way pay the student loan off!!

I LOVE a GOOD used car! ❤

Love the show and thank you for good advices . Chicago Illinois

Oh my gosh Dave cracks me up Everytime. Go ahead and play kissy face with the bank and worship FICO.....😂😂😂😂 I listen to him a lot so I hear it all the time but it's still funny and true!

OMG I love this show SO much! Not only is it humorous, but I’m becoming SO enlightened on the big picture of debt and wealth!💓💯🙏🏻🤗

@48:30. The "Roasted by Dave" special episode.😄

Yes! George is on!

I really appreciated for Dave’s advice in financial literacy. It helps me a lot. I am better with money now. Thanks Dave and your people.

Dave & George riffing = priceless.

uncle Dave & Chris 😂😂😂😂😂 omg. please post this as a separate rant 😭😭😭😭😭

What isn't emphasized enough is the peace of soul and mind you have being debt free and being able to build wealth.

As someone who bought cheap used cars and had to spend thousands in repairs (a 2000 car and 3500in repairs) over the two years I had it, vrs the car payment that equaled the same amount only it was fully functional and I didn't have the constant worry over weather or not it would start that day or if I could get rides to work or have to miss work because the car was once again broken, I stand by the opinion that some times a cheaper lease or a small car payment might make sense.

I have just over 12k to knock out. I plan on being done by November. I've been at this almost 2 years.

I sold my 2022 Tacoma that I was paying 550 a month for and used the equity to buy a one owner 2007 Toyota Camry Hybrid. The car was owned by an older couple and well maintained with 130k miles for 6K I just got the maintenance done and bought AAA for roadside assistance. The car is in great shape the mechanic said that if he needed to he’d drive it to LA (over a thousand miles). Now I can use that 550 month on investments, savings and giving more

Awesome show, so inspirational and love all the information shared, discussed and money help your shows provide every day. Peoples lives are changed for the better Thank you from 🇿🇦 😊

I always hated budgeting apps, they don't always help me see the big picture; but I took a chance and downloaded the every dollar app and I'm in love. I see the big picture! I got paid a day less than what I usually make this week due to Thanksgiving holiday, but I spent my money more wisely. I even have a 'Fun money' budget and it helped me so much. Thank you Ramsey team!

I'll be out of consumer debt by end of 2025. I'm so determined so I can really travel and start paying off the 4 mortgages I have then I can retire. Can't wait and I'm so focused and determined. This show lets me know I'm not alone and it's encouraging to keep going when I see other people doing it.

I saw a car at a classic car show (I don't remember make and model). It had the dealer sticker in the window. It was a 60s era car. He bought it new and still had it. His grandfather chewed him out for paying that much for a brand new car. I think it was $4K, which would have been extravagent, back in the day. But he kept it and it still runs and looks great.

Praise God In The Most High!

I am encouraged everyday as I listen and watch the Ramsey Show. Dave and all the personalities are great, of course George is my favorite. I am Baby Step 2 and hearing the callers and the Debt Free Sceams give me hope. Keep up the good work Dave

I used to work at a Toyota dealership and I can speak to seeing a 2001 Tundra with 640k miles and it was running in great condition because it was well taken care of.

Dave was on fire today I love the show 😊

I love this show, Dave George youre awesome! I was talking to a friend about student loans and she took them shes studying for nursing and shes starting to worry so I gave her a basic idea of the baby steps just trying to encourage her and shes trying to pay cash as much as possible.

Discover has paid 5% on grocery stores this quarter. I have to buy groceries. Im not changing what Im buying just because Im not using a debit card. I spend the exact same wither I have a credit or debit card. If you don't learn to control how you spend, using a debit card instead isnt going to change anything. Take accountability for how you spend. Why in the world would I not take advantage of 5% back?

It makes so happy to see Dave so proud of the people who have used his plan and are debt free 🥰

Congratulations, Shaan! You are an inspiration.

Great show as usual Dave and George

Love when Dave goes off at all of us through one ☝️ 😂 we need papa Dave!!!!!!! 🔥

2020 was my wakeup call. Been on preparation mode since then. 2024 - I expect things to keep sliding downhill. I have a few clients that are hinting at slashing their budgets by at least 30%. Spending this month getting a new side business going to avoid being negatively impacted by a potential loss in regards to my main source of income.

He reminds me so much of my dad! Love to watch even if you are the Turing into the guy to yells get of my lawn!

😂 I have to admit, I'm guilty for collecting them credit card rewards. I use my card as if it's cash and set a recurring order for the whole amount monthly. Have been doing it for years and haven't been able to get any interest out of me.

Thank you for caring enough to share wisdom with us! 😊

That’s crazy we pull in 145,000 a year after taxes and deductibles and have 36,000 in debt and I feel like it’ll take forever to pay off. I definitely need to get straight on this plan

By moving to a place where everything is almost walkable or at least drivable within 2 miles I was able to save a ton of money on my vehicle insurance. I switched to insurance that is 30 cents per mile plus $3 on a day that I use my vehicle. A 2021 Chevy Silverado with full coverage and zero deductible and a 2005 Dodge Ram Hemi 5.7 truck The cost dropped from $166 a month down to just under $15. I only have to drive my truck 4 * 8 week and I could be even more frugal and drive it only 2x. I live within 11 blocks to a library and a grocery store and a gas station. I'm a senior citizen with mobility issues and so I cannot walk that far with groceries

Dave, outstanding advice to William who just received a substantial inheritance!

You keep the credit cards and only use them on things you have to buy anyway like groceries. Pay off cc every month. That’s free money :)

Im 24, just paid off all debt, don’t pay for housing (Military provided), have no need for transportation, put 15% into retirement, have a $1,000 emergency fund, and have 3 months expenses saved, and have no foreseeable expenses for at least a year. I hope to call in soon and see his view on my next course of action!

Thank you 🙏

While watching these marathon videos, it encouraged me and I paid off $25K worth of debt.

1:24:08 - Coulda sworn this person called in for the same issue recently.

Wish I would have found Dave sooner. Already paid off my vehicle and have no CC debt. Only thing left is my mortgage!

Reuby and Rory-cashrolled babies 😂😂

Thanks for a very good episode.

I get and agree with Dave's point to pay off the student loan debt but 4% of $45K is not $400!

Really like the advice given…the young man with land will thank you later

I get several thousand dollars per year in cash back from my credit card rewards which I carry zero balances on. I'm trying to understand why I don't want to have that money in return for doing things ""Dave's way"" and destroying the credit cards. I own my own farm, house, tractors, cars, everything.ill never borrow money again. Why in the world would I get rid of my credit cards and give up that money?

Big shout out to Shawn! Love this 🙏🏽

What about the fact that the guy that lives with his parents and moves out is now going to have a much larger rent/mortgage payment then his car payment???

The only thing I do different. Is to build up emergency fund. Before getting out of debt. If you don't have a big enough emergency fund then you will go into debt if you have an emergency. We had the car die twice a 25 yo stove die and a 20 yo fridge die in 18 months. W/O a 4500.00 emergency fund we would have needed to go into debt with only a thousand in an emergency fund. 4000.00 emergency gives me peace while we get out of debt.

You speak the truth tell truth I love this guys God bless you!!!!!

Congratulations Shaan, your story is inspiring!

Best susinct advice I heard on this show... "undo the sucks" 😂

A couple comments on Roth vs Traditional IRA. RMD has been increased to age 72 1/2. Also Traditional IRA is the only one of the two that is subject to RMD. If she’s retired and not working I don’t know how they’re still putting money into IRAs. The IRA rules require you to have a working income to contribute to either: To contribute the max $7000, your working income has to be at least $7000. Roth 401ks have different limits. Working income has to be from a job or business, investments and SS don’t count as working income for either kind of IRA. In a married couple each person, husband and wife, can have separate IRAs of max contribution of $7000.

I understand your idea but as with any tool...credit can be used or abused....i was in a good place financially..became disabled from injuries on the job...gave my home to my daughter and travelled...survived the cancer thiNg...had a quadruple bypass and was wiped out by medical debt...point is stuff happens...without credit i would not have had food and now im getting back on my feet living out of my 89 f 150...almost debt free again at 61...I WILL NEVER BE WITHOUT A CREDIT CARD in case of emergency again...

I found this very helpful. Good eye opener about the devalued rewards for credit cards.

That land is not just dirt, the potential of that land is worth more than 3 million.

1:27:55 this kid called 2 weeks ago asking the same question

The girl who plans to marry a man that’s 10 years older than her... I think his ego was bruised because he thinks he should know more because he’s older but that is not necessarily true! Just because she’s younger does not mean that her plan should be discredited.

The saxophone intro gets me everytime 😂

High school needs to teach students about credit score and debt. But they want you to get trapped on student loans

1:36:41 😂 broke people telling me about money..... this is how I want to respond.

RIP to Chris from Dallas Tx because Dave torched him hahahahha

The first 8 minutes of this video is priceless.

Dave Ramsey for US President 2024 🇺🇸

This is one where it helps to give a graph of likely taxes on the IRA distros. But yeah. I am a partial convert and put at least 5% in Roth 401k and the other 9% in the 401k to max it. And am slowly transitioning to 100% roth.

Dave was over the top angry at Chris. Sheesh.

I'm in my mid 40s and I make an average income, 50-55K per year. I can only hope that I can one day be debt free. With about 50K in student loans and some credit card debt around 20K, it seems so impossible😒