Money, It Isn't That Complicated - Dave Ramsey Rant 

“You don’t even work while you’re at work so shut up.” 😅😂🤣

I’m 21 years old and have Baby Step 3 Completed, making $47,000 a year. Pausing my Baby Step 4 to cash flow my wedding next year! So happy I found Dave at such a young age!

I love that Dave always promotes good tipping. He understands you save money by not overspending on yourself, not by being cheap towards other people.

When I got out of debt, I took my mother and myself on a cruise to Alaska about 4 months ago. I took an Uber from the hotel to the port and when we got there the driver took out our luggage and I proceeded to hand him a $50 bill. He was so happy that he gave me and my mom a hug. For all I know I could of just fed him/his family for the day.

Most people have an iceberg lifestyle. You see big things but in reality they are mostly underwater. People sacrifice financial independence for perception.

“You don’t even work while you’re at work so shut up.” OMG Dave is gold!! I’m a big tipper since I was once a waitress

Live on less than you make!! Absolutely agree! I’m rolling on baby step 2! Payed off my second credit card this month!! Uploading my journey thanks to Dave! Total money Makeover! 👍🏽.

If your budget is too tight for tipping...don't eat there!

Dave, I’ve become addicted to your channel since I found you a month ago 🤘

I binge watch these rants when I need to hear em. Thank you for making these timeless gems Dave

The bluntness is refreshing actually. Haha!

"if you don't believe me, get on Twitter...I think that's where all the hateful people live now" 😂

Your never too old to learn and make changes.

I’m so happy to have Dave’s teachings in my life now. At 49 making 100k+ a year and living paycheck to paycheck.... just a shame. Giving my money to whatever whim struck me at the moment. Now my wife is entering into 100+ salary range and with our combined income we have a huge shovel. Found financial peace University just in time. I have been on the Ramsey plan 2 weeks and will have 4 credit debts paid next month! In 6 months will be super close to baby step 3!!!!!! My wife and I now TALK about money.... just not on what to buy next. We talk about the future and are becoming excited to live like no one else. Dave’s revelations have not only changed the course of our financial lives, but also have re-strengthened an already wonderful marriage which was headed towards the rocks because of money! Many thanks Dave Ramsey. Many thanks.

Jesus didn't say anything complicated in his famous Sermon on the Mount and yet those who follow his advice experience profound benefits in their life.

Dave tells it like it is , all good and easy points to understand. Spend less than what you make , Get out of debt , live on a budget , all basic and simple steps !

If Dave got anymore real this would be a 3D video.

Yeah well excercise isn't that complicated either and we don't do enough of it ! Once you make things a habit. That's when it finally becomes *easy*

It's difficult to change when you were not trained with a good work ethic growing up... Lately I'm watching lots of your videos every day to gain insight and inspiration! Thanks so much!

Because of Dave I avoided purchasing a boat with money my wife and I didn't have. After going through my finances last month I found I was $169,000 in debt. Most of them being student loans ($140,000). Now we are on a budget and we're chunking away at it. I expect to pay off $60,000 this year and hopefully be debt free in 3 years. I was stupid thinking I could add more to the balance without consequence. I believe that because of the advice given on this channel I will be able to become a better, more responsible husband to create a better life for my wife and I. Dave, if you're reading this... thank you for pointing me in the right direction.

I sold my sports car after listening to Dave.

There are different stages and seasons of life that you need different levels of sophistication in money advice. But if you never master the basics like Dave teaches than you will never be ready to master more detailed money management. There is no easy way. I’ve tried “easy” and it didn’t work and now circling back to good old Dave principles to dig us out of our “easy” money hole of debt. Thanks Dave! 🙂

Every time i listen to him is like he is talking directly to me and i feel ashamed about my finances

If I don't care how I serve someone and I make good tips I'll always serve that way. Generous tipping for bad service is equivalent to a participation trophy! A good tip does reflect the service.

Dave gives such simple advice, but we too often forget to live by it. If you get your debt, income & lifestyle under control, then we can talk about that new car and vacation, but let's check our wallet first

So true about being generous including with tipping. Be good people!

I wish I would've found Dave Ramsey a long time ago. Definitely before I got a credit card.

That's a model of the middle class * people after college with student debts * they buy a house by taking out a mortgage ("mort"=death like in mortuary) * they buy a new car - car loan And then all of them pretend responsible and stable adults 😂

"I don't like absolute truth" "I, I get it but you're just stupid!" 😂😂😂😂😂😂😂😂😂

“If you don’t like that then your just whats known as wrong” 😂😂

I agree. You love your neighbor. Dont mean you have to live with them. Just love your neighbor

"I actually could control the variable. My wife told me about it on the way home". Hilarious! Love it.

i always leave a tip , i would be embarrassed not to leave a tip , because Dave is right , it would make a statement about me .

I’ll be 20 next month and you’ve really inspired me to start saving like no one else to live life later on like no one else and give the same way, too! Much love, Dave!!

Sorry to hear about your car accident. So glad you and the other person are okay. :)

Love Dave's wisdom.when I was a little girl ,I remember my dad coming home at Christmas time from work.he was a very hard working window cleaner ,out in all weathers,I remember him telling my mum that a customer had given him a Christmas box,he meant a tip.i wonder if him saying box was something to do with the true meaning of Boxing Day,anyway he said a customer had given him a Christmas box and he was so so grateful and happy he probably had more but that's the one I've remembered and I've never forgotten it,so now I give tips when I can even to the postman even when I've barely had the money,it brings me joy,I also give to charities monthly and my son just started his first apprenticeship on minimum wage and I've discussed this with him too.i am in the uk and I've never been to USA but it appears you are tippers for a lot of things naturally than the uk we do tip but I've not seen it as much. Your ahead of us and I think that's great and I hope the uk catches up.

The nice thing about being smart is that you can call yourself "stupid"!

Our net worth is $2.8M and my wife is still working. I retired 12 years ago. But I work every-once-awhile. Worked at local small town post office for 3.5 years recently. 12 stacks of packages, 4' X 6' pallets, 7 feet high on an average day. Most of this stuff never gets used and ends up filling basements and garages, sold at garage sales never opened. All bought on credit cards. It's a disease. Thanks for your service. Oh, and also, one of the main reasons I left was my life was threatened 16 times a year--mainly because we require a signature on the back of credit cards or we hadn't delivered something that hadn't been mailed yet.

Thank you for having the courage to say this. We need to hear it.

What's backwards is the tipping system. They should just be paid a proper wage and up the food price buy a small amount to cover the cost.

" no one gets to their destination if they don't know what their destination is! " Well said!!👍🏾

But I hate when servers assume 20% tip and put bare minimum service!

A person drove in to my car the other day. I'm happy I put the money into my insurance as it is just making this no hassle at all to deal with. Without my own insurance I would have to chase the buggers and their insurance down.

You don't even work when you're at work. LOL!!!

I’m really glad no one was hurt and I’m glad you just listened to Sharon and didn’t fight with her!

I love Dave Ramsey. I don't like how he calls people stupid. As a survivor of child abuse, I grew up with the nickname, "Stupid." It's just hard to relive my child everytime I hear him say that word. I actually have tears running down my face as I type this.

Yes, Dave! Preach it, brother! You can have your own opinions, but you can’t have your own facts!

He speaks the plain truth ! Honest and tells it like it is, not what you want to hear. Love dave and his wisdom. God Bless you richly for helping all of us

If you're standing at the equator and your back is to the South Pole, both Florida and Canada are "that way", the same direction. Love these videos!

All the servers hated working on Sunday morning when church got out. Pastors/ministers/priests were the worst. They had appalling manners too.

Love watching Dave. Motivate me to get out of debt quick

Dave saying it as it is? Top man!

I rent and my landlady is offering to sell my place to me before she puts it on the market. I'm still on babystep 2. Normally I might consider buying this townhome but these videos have shown me otherwise. Thanks Dave.

What else can be said ?? True words of value every dam single video ! Thank you Sir !!

Love Love you Man. Thanks.

1:16 I like that fight club reference right there. In Tyler we trust.

If you don't tip well plz don't go out to eat! Because a lot of places a majority of the service incomes are there tips . YOU WOULD BE MAD TO IF YOU DON'T GET TIPPED

Thats the truth!

Do not forget risk and unexpected (inconvenient, surprise) change when making plans. Plan for the worst and hope for the best.

I think tipping is weird.. Especially when the waitressing jobs dont pay but a few dollars an hour to begin with. Give your wait staff a livable wage so tipping isnt the difference between groceries or rent getting paid. Tipping should be based on service given.. It should be a happy extra.. Not necessity

"Live on less than you make" I heard someone making fun of this quote. I've been living on less than I make for the past 8 years and now I have $107,000.00 :)

I am almost always a really good tipper, usually starting at 20 percent and going from there. I’ve given a few poor servers 15% and only once have not tipped at all. Not only was he a bad waiter he actually insulted my husband, not once, but twice. My husband was the one that said absolutely no way were we tipping, but I didn’t argue, and I usually would have.

I love it when he says, "The little man can't get ahead." Most of us already have heads!

Dave, do you give advice to people that live in other countries? I’m getting a lot out of your advice but sometimes it doesnt apply to where I live, New Zealand. For instance, we dont tip in New Zealand. Its just not done.

I don't want a huge house. I just want a nice car, a dual sport motorcycle, and a cabin in the woods. I'm a simple man. All I want is to leave a legacy for my nephews. Your channel is helping me greatly toward that. I'm 29 and had to file chapter 7 two years ago and about 6 months later fell insanely ill, wrecked my car which led to having no choice but to finance a car on a first time buyer program because if I didn't have a vehicle I would have had no ride to work which would be catastrophic because I live in BFE (with family), and then I suffered a nasty injury that ran up more doctor bills. In the last year I have brought my debts down from $27,000 to around $11,000 by getting a significant raise, working a stupid amount of overtime, driving for Lyft and doing side jobs on my days off, selling everything I own, and I have completely quit eating out. I do still plan to have my channel just for a small hobby but when I get a new item I now sell the old one first instead of collecting blades and multitools. My life has changes so significantly since I came across your channel

laughing out loud... "you're not even working when you are at work"

27 years old, got steps 1 2 and 4 done. chipping away at number 3 while waiting preparing for my wedding in the next year. other than mortgage all i got are student loans and the engagement rings/wedding bands. paying no interest and totaling about 7 grand. maxing out roth IRA and about 10% into 401k. half roth 401k and other half standard. (i dont think employers ever invest in a roth 401k but please keep me honest about that)

Dave's the man!!!!!.listen and learn..😎

I always tip, unless it’s really really horrible service. I worked as a server for a year and it’s not as easy as people make it out to be, standing for 8hrs, dealing with customers demands, back of the house and management BS then getting paid minimum, there’s a sense of helplessness when you get your peanut paycheque which barely cover your bills. Tips end up as a blessing.

2:25 yes I listen to Dave Ramsey while in work lol

How did we go from bargaining prices to being expected to pay more than asked?

Keepin it all the way real

I absolutely love Dave's teachings, we are working on baby step 2.....

Thanks... Dave . A big fan.. I'll be debt free in 2 years..

Very wise words. Now we all need to follow it!

This man is the TRUTH!

On the subject of tipping, got really good advice about tipping from the movie "Reservoir Dogs" during the restaurant scene when they are eating breakfast, Mr. Pink didn't want to tip the waitress because she didn't bring him enough coffee. Lol!!!

I love his interpretations of others 😂😂😂

''no one gets to their destination if they don't know what the destination is''

“The man in the suit has just bought a new car on the profits he’s made from your dreams.” Traffic The low spark of hi heeled boys

If I got in a wreck because Dave Ramsey turned in front of me I wouldn’t even be mad

just because something is simple, doesnt mean it's easy. most of the time the simplest things are the hardest.

never understood tipping, you are getting paid for what you do lol

This is simple math. 1+1=11 right?

Truth in arrogance is quickly dismissed...

Phew 1:02 hit close to home for me. I really hate giving my money to other people. But since I've started listening to dave, I started to cut done the number of people who get my money. Already paid off 2 credit cards.

I didn't expect that ending xD

thanks

Thank you Dave

I ain’t tipping on take out...just not going to do it...

Make a plan. Follow the plan. Pretty simple.

Love this guy!

Strongly agreed 👍

One of the ways a man can easily always have good money, especially in the US, is to never get married and never have children.

Super wonderful excellent top class great stuff

Tipping represents the failure of America's macro industrial relations policy. Very few other countries in the world do it. Tipping follows no logic. Why do people at McDonlds and KFC not get tipped? Why does a barman get tipped? Tipping is good example of an externailty that results from a market failure, namely, price of labour (wages) being too low.

You’ll always have “payments” when you put money in bank accounts to save and pay cash for a house or a car. The bank pays you maybe 4% interest while they loan your money out at 12%. The bank still has nicer furniture than you do. See the point?

I only intentionally didn't leave a tip once. The woman cutting my hair wouldn't shut up on her phone, texting etc. and took an hour to give me a medium fade.

I've seen some really nice double-wides.

Ive been following the baby steps and I'm sure I would be in a terrible position if I didn't.