One Year Of Sacrifice Changes Everything 

Being adaptable with your risk management practices is also a must.

you should be in tune with the markets enough to know when your original ideas have been invalidated.

A flexible trader is able to recognize the signs when it’s time to change biases. Someone like Bianca Harley Doran with lots of market experience always emphasis on this topic.

Bianca Harley Doran understands this fact very well. Being flexible could be as simple as correctly assessing the environment that you’re in and using that knowledge to pick the right approach to your trades.

Of course, being a flexible trader doesn’t mean changing your strategies at the first sign of trouble.

No. It ACTUALLY means beans &rice..It works for saving $.

@@Joce123: Did you comment before watching/listening? Dave explained it.

@@myoldvhstapes I had just commented when he went on to explain it. Unfortunately, just beans and rice can lead to other problems in the digestive tract - LOL!

@@Trustbutverify2651 : Your comment was fine. I was asking Joce123 because he/she said it means ACTUAL beans and rice.

@@myoldvhstapes LOVE your screen name - brings back memories 🙂

Arroz con avichuelas!!

Puerto Rico ❤️

Mexican here, same lol

Arroz con gandules! 🎉😇🎉

You got that right. 😁 I know that's just a metaphor. Only we enjoy it.😋

I noticed that! He loves his mom!!

Not eating pesticides and herbicides food is not being s food snob. I've seen the rise in cancer sky rocketed su since these chemicals entered the food chain. When I was a child very few people in my country had cancer and those that did were old. Now young people in their 20s getting cancer. There were no process foods back then. Snacks grew on trees we would pick our foods off trees in our back yards now they are in plastic bags. Not good

I wonder how her ex- husband is doing with his debt? Hope her sons continues to follow in their mother footsteps in being debt free

He's so sweet and supportive of his mom, love that!!

This is by far my most favorite debt free scream EVER!!!!! I love that momma’s determination and her son grabbing her hand absolutely got me right in the heart. How absolutely beautiful!!!!

I like it when 'regular folk' clear off those nagging debts - with a modest 5 digit shovel ;) - waay more than the 6 digit . . . . ya know what I mean . . . .

Just wanna say Im glad that I found this channel and show and wished Id found you sooner. All thanks to my financial advisor and Ramsey, Im about to pay off my mortgage in full in 2 months and love how you all compliment each other and seem to have such a strong close knit community in the Ramsey family and beyond. Very envious and wish you all continued success, keep spreading this message as I think its really beneficial to all who hear it.

How can one find a verifiable financial Planner, I buy the idea of employing the services of a Financial Advisor?

There are a lot of independent advisors you might look into. But I only work with BECKY LOU GORDON and we have been working together for nearly for years. She has since provided entry and exit points on the securities I concentrate on. She's well-grounded and known, shouldn't be a hassle finding her page.

Thank you so much! Found her webpage and left a message. Hopefully, she responds.

I say that every time I watch this show.And these high income people are supervising other employees. So sad.

Lol I was laughing so hard.

There are a lot of stingy self-righteous people.

Everyone I know works.

@@lateshachurney5965right i hate when people say this it’s like where do you think people get money? People work. People do have jobs. They just don’t pay much

There’s also the problem of people that have jobs but don’t work. You know the ones that do the bare minimum to not get fired, always seem to get sick on Fridays (a big one with FMLA abusers), and have no desire to better their careers.

When everyone has "anxiety" or a "disability" - honestly its shocking how many people get cleared to get stimulus for that! More than half the time what they actually have is LAZY-ITIS. 😂

@@AimeePoppinBabies this is definitely cap you do not get a “stimulus check” because you have anxiety

Same here

Right? $100 a month for that is bonkers. No one cares.

Same here! I just can't see paying over $100 a month if I can do it myself for approximately $5 a month.😅

Love this idea and I need some social interaction. It gets lonely at times.

@@davidb2206 Well, I'll bet if you check (and are interested) you would find much less expensive options, although I don't know the cost of living where you live. Within 3 miles of my house there are four churches that have Wednesday night dinners for $6 each (including my own.) Might not work for you - but it might work for others reading this post.

😂 oh gesh

@@davidb2206we are big followers of Dave. My wife wants to do the debt free scream we have been that impacted by Dave R. But I admit I’m not so sure how the whole thing fits in with worship. I get that he bases his principles on the Bible and money and religion aren’t mutually exclusive but it seems to alienate Jewish, Muslim, and atheists I guess. But that’s the nature of nicheing …he doesn’t have to help everyone. His mission statement can focus on Christians. But I’m not sure this “sorting” of society is sustainable. Anyway the types of churches I’ve seen FPU at are non denominational which is code for Baptist. They seem to take marketing to the community very seriously to sustain the business. The churches are pretty much mini community centers. Hopefully Dave’s licensing fee nets them at least a 3:1 return. You need I guess 25 students to break even.

@@davidb2206 usurious huh? Are you sure it’s not spurious that it’s usurious? 🤓 Seriously I know nothing about the business of churching. Like if you have 1000 parishioners how many would sign up for a program. My wife of 1 year had craved an active spiritual life so I go to church couples group every other Sat night. We talk about titheing and even though I’m not the one consuming the air conditioning, the building insurance and rock music stage i tell her it’s not fair to use that stuff for free and she should think of it as an entertainment expense in the budget. Or as a spiritual health expense. If nothing else, Dave is entertaining. You get I think 10 classes for 10 dollars a piece. Now how that money is distributed I have been completely ignorant. So he’s getting 2500 on top of that? Not completely outrageous or usurious. To my point…is FPU ONLY available to churches? Could a secular community center pay the licensing fee? I mean it may be better to just pay a CFP, a nutritionist, a personal trainer, etc to give talks/programs??? I think in the past we’ve expected speakers to just speak for free ( I know because I did it) on a hope and prayer that people would use your services. It rarely worked that way…they went and used the best internet ad or billboard or sign or whatever. Tell u what…I’m not a financial peace university professor like Ramsey or Jade or Ken but I’ll do personal financial tutoring for your congregation for 250??? 🤓 No marketing machine behind me but I can be a ham. All the churchy people at our couples group put up with the secular guy at the end of the table…🤓

@@davidb2206 FUN FACT: we were helped by Dave so much that after we finished FPU the church approached us to donate…well I don’t really crave fellowship with my spirituality but I was more open to donating to the church than she was. I felt indebted that the program got her head on straight resulting in us getting married . So I said you spent money on all that college all those years and all those useless courses and this really helped you so we should pay the church for a 3 credit course. She clammed up because it came to 4500 dollars when we used state school tuition . She finally acquiesced and we have paid exactly 450 of it. Know why? Because she switched churches lol. Likes this other one better now and now doesn’t want to give to a church we aren’t going to. I said but we still owe the first one. Anyway just sharing the psychology of parishioners and budgeting for church. Fickle bunch. I don’t know how you do what you do. I’m sure she’ll switch churches again…it’s who she is and that’s fine. I knew when I married her. Anyway, a pleasure conversing with you.

just horrible!

my favorite moment from any debt free scream EVER

🥺🥺🥺 I know right!!!!

There's a show on Netflix with a finance professional helping big money people get on track financially. They are relatively "broke"but make 6-7 figures a year all because of bad financial behavior and the lack of financial knowledge. It's crazy.

Great going!🎉 I did the same with my house and a rental this past May. What a great feeling it is. Keep going strong.

Yes! A Honda and an Acura are basically the same cars. The Honda is less expensive upfront, as well as the repair/maintenance costs down the road. That's why I drive a Honda.

@@bettedavis9261 I have 260,000+ on my Honda 2007 - still going strong!

​@bettedavis9261 i just got a used Honda, paid for in cash, and I was so nervous I made a bad decision 😅 so reading your comment made me feel a bit better. It had a really good car fax and some of my family and friends that know about cars told me a bit about it but yeah made me feel better lol

Man, they were bad before the shortages. Now they’re horrible, horrible places.

@@modernsurvivalarkansas2287 true!

Disagree. See my comment below. For a wife in her 50s he will need multiple millions of $$ to provide home-based care and she won't even know where she is. By the time he has no assets left, the lookback period for anything to save for himself will be gone. Jade and Dave have not dealt enough with Seniors with dementia and Medicare and Medicaid because Dave probably has hundreds of millions of dollars and Jade is still young. I know about this very well first-hand b/c my father-in-law passed last year at age 101 and my mother is 95 and still in her own home. My FIL had in-home care and had no idea where he even was. He can always visit the nursing home on a daily basis and provide some extra help.

@@Trustbutverify2651 I respectfully agree with my comment above! Entering a nursing home for short term rehab is fine, to some extent! Nursing home for long term care, particularly for someone with dementia is not advised! If a family has no option but nursing home, they must be present, observant, and strong advocates for their loved ones! Our seniors, or middle aged population who worked so hard deserves more than life in a nursing home. The bedside workers heart is one of service, however the support is lacking! I tell you the truth, two decades from now if nothing is done nursing homes as is, will become obsolete!

Calling these institutions nursing home is fake news on steroids! Very little nursing, and most definitely not a home! Unless, it is a place where only the wealthy can afford!

Investors ought to be vigilant about their exposure and approach new investments with caution, especially in times of inflation. Seeking advice from a seasoned professional or a trusted advisor is a prudent step to navigate through this recession and strive for potentially lucrative returns.

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've actually been looking into advisors lately, who's the person guiding you?

I'd recommend BECKY LOU GORDON. 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.

excellent share, just confirmed her page online after inputting her full name on my browser, she seems valid. very much appreciate it.

I wanted to put an orange lightbulb in my porch light for Thanksgiving and HOA said no. I was on vacation a few years ago and one of my tires went flat on my car. Came home to a nasty letter from HOA telling me to fix my car flat immediately or face a $50 a day fine. I didn’t even know it had a flat tire. Over the years HOA has hassled me because my hanging flower baskets were too big and that I had a dime sized hole in my bedroom screen. My HOA is full of Nazis. I can’t wait to leave.

Ya this was so cringey that I had to skip ahead cuz I felt embarrassed for them 😮

And the fact that he, as the business owner, doesn't know the difference between gross revenue and net profit is scary!

@candecarro You are a very smart woman. Why pay someone else to do what you actually CAN do yourself. Good on you.

I've never understood the whole market around nails! It's so ridiculous. You're smart. I don't really paint my nails often but when I do, I take the time to do it myself.

Thank you 😅

My wife and I

@reneebrown8943 Thank you keyboard police for the correction.

I teared up for her too.

same!!!!

LOVE the rainy day comment!

@@secretsquirrel6718 ummm, no it doesn’t. If you aren’t keeping quickly accessible accurate records you aren’t cut out for business. Smart business owners can quote any of their numbers in seconds.

Is this a compliment? Why not just say she’s beautiful and you love her braids?

We took amazing care of our house when we rented. Left it in better condition than we found it. Our boys are & were respectful & when they wrote on the walls, they cleaned it & never did it again. When they put a hole in the wall, they fixed it at 5 & 8. But he was amazed when we moved out at how nice we left it. It’s not the kids, it’s the caliber of people

@@OopThereItIs77777 when I rented with kids they also drew once on the walls and put a hole in it that I had repaired. Dogs don’t do that, especially if they’re outside mostly. I kept a close watch on my children, but it was stressful. And many parents don’t keep so on top of their kids. Animals can ruin houses too, but I find in general, they are easier to keep on top of than young children. You can also get top dollar from people with dogs as they don’t have as many renting options. But you just have to be careful who you rent to, and keep on top of inspections, whether they have children, dogs or not.