Stop Blaming Dave Ramsey For Your Financial Trouble! 

😊yuuuup for sure

As always...the math is simple but the human arithmetic is the "fuzzy" part.

That sounds like me when I say I’m going to go on a diet

stay away from credit cards simple

​@@angel-ij4xvfrom most people. Absolutely

@@angel-ij4xv Yes and alcoholics should stay away from beer and wine.

Same as losing weight

@@angel-ij4xv but not easy, haha.

😂

Congrats!

Keep going! That’s awesome!

Don’t stop. After it’s paid off, save and invest. No greater joy then being financially secure.

You will get to a point where you have no more debt... THEN you need to invest your extra weekly income wisely (eg. S&P 500 Index)... that is how you become rich.

CONGRATULATIONS! Keep up the great work.

Yeah I had made some bad financial choices especially younger (better now and making better income) but never had a credit card company sue me.

These people just want to be heard on the radio, that’s all. She makes ZERO sense.

Deloney was concerned about domestic violence. He had to ask. Situations this dysfunctional are breeding grounds for domestic violence.

I thought it was a valid question. She was false bubbly through the whole call and she mentioned the husband not being on board as a barrier. He was trying to make sure that it wasn't deeper than that and a full on controlling abuser.

​@@KatieBellinoAre you safe?

@@healthwithmarcus😂😂😂

​@@thirdcoast-nx7jxyou can legit make the argument that everything is a "breeding ground" for domestic violence.

She sounded like nervous anxious laughter. Putting up a pretense of happiness on the outside.

@2bituser569 I understand that, but this was too much. Even the hosts thought she wasn't serious enough.

I sounded like this when we lost our home to a flood. It was just such a surreal situation I think my brain kinda kicked into protection mode and made me act more positive as a weird coping mechanism.

These people always interrupt guests. I thought this was the Dave Ramsey show ?

@@fredcurrier3288 Those are two of his co-hosts. Also, you have to interrupt. You can't let them drone on forever. Listeners get bored.

True that! They would complain that they had to pay taxes after winning the lottery

Simple but people can't seam to do it, kinda like just eat healthy foods easy but difficult

“Live below your means” yeah no thanks

Yeah, sue for 4k? 😮

She’s an entitled emotional brat

Yep. These are tiny amounts for them, destroying your credit score is usually more than sufficient for them.

Sign cash is tight out there, they will squeeze the blood out of rocks if they have to.

​@@joelkabenno. Destroying your credit does nothing for them.

Wow! Have you ever been in this position??

sounds like denial

She’s not all over the place lol she’s got a great personality

She does sound super ditzy

Good luck...you got a mess on your hands.

YES. Dave Ramsey’s program works. But folks do need to sit down and do a WRITTEN budget.

Dave has made an absolute fortune selling common sense. Good for him!

@@linkbelt111 I wish I was as smart as the dude. Is it true his net worth is north of $800 million? :-)

For sure 😊

They have the money.

Good Luck!

What were your terms? Cause I have been Dave's program on my own terms and I have amassed a little over 4 million so far. What is "your" terms?

@@johnSmith-uz8nl my terms meaning not following his plan accordingly and doing things my way. Like instead of paying the minimum on my cards to save 1k first I would pay the minimum, charge more, save less. It’s basically not being disciplined.

@@TamicoShawn First of all, I never carry a balance on my credit cards... that is a sure way of staying poor. I personally have a HELOC and multiple cashback credit cards... that is why I don't follow Ramsey. Also, if you have a low mortgage rate, I may not pay my mortgage off fast.

Dave has a great video out on this. He told people to not call it his plan when your not following it. Your doing your own plan and it has nothing to do with him. It’s definitely a good watch! I’ve done Dave’s program to the Tee and I’ve paid off 40k in debt in 18 months. It really works if you just submit yourself to it! Good luck my friend!

I adore how John treats people. He genuinely cares & changes how they feel when they hang up the phone

Msgs Dave

Only in installments, not in a lump sum. People agree to pay in installments, not all at once.

@@ElliotTManThe paper you sign, (also known as a contract) when you borrow the money says what the payback terms will be. If you comply with those terms, the lender won’t ask for it back all at once.

Completely agree

That's far too reasonable for current society. It's someone else's fault always, never our own. Or, at the very least, probably Trump's fault. 😅

😂

I can't believe he said that BS

Don't forget the "Don't talk bad about my friend so and so" And the "Hey you know I'm just some stupid idiot with a microphone".

He annoys me with that lmao

Safe from what I don't get it

They wouldn’t do good in jail, they would get themselves owing someone who wouldn’t think twice about doing something terrible to them.

Yes! Good point Jade

Lol John just can't help but do these corny things.

Faxx😊

That’s just NUTs

@@sendit3251 Explain?

Very interesting perspective!

Live for today not for tomorrow. That's basically what I got from this. It's good to have no debt and if you're able to save a good amount of money without being extreme then that's good. The extreme is for getting your debt done and starting to save again. If you don't have debt, great. You're doing the right thing. If you do though, then good luck because it seems like like I you're making excuses to keep doing what you're doing. Only you can know your real situation but if you're not willing to change your habits you will always live like you're broke, and that's the point of the channel.

@ItsMrLee I understand the point of the channel, but like you said, only you or I know our situations. All about priorities and values and understanding the consequences of your choices. Let me give you an example. Many years ago, when my daughter was 6, we took her to Disney, and you know how expensive Disney is. Dave would say there was no way I was in a financial position to do so at that time. Well, my daughters face lighting at the wonders of Disney, dressing her up like a Princess 👸 for dinner, etc was priceless and I wouldn't have traded that for anything including getting out of debt a little faster or saving for retirement, etc. Money comes and goes, but those memories will last forever!! Never sacrifice your memories for money!

I'm just glad Dave has him wearing long sleeves to hide the scribble skin tattoos.

Quack has a script and can't deviate from it

According to Deloney, every man a a violent wife beater, and every woman is a domestic violence victim. Do you think he would believe me if I told him that my ex-wife was violent and I was the victim of domestic violence? I doubt it.

She’s clearly scared. You 🤡🤡🤡 are just hating, just to hate.

@@GardenerEarthGuywhat’s wrong w tattoos?

Avoid the 360

@@alinatamashevich3354 yeap

Well done 👏

I never took a vacation for so many years... now I am at the stage of taking two a year plus weekend trips. Your time will come.

@@johnSmith-uz8nlwho needs two trips a year and weekend trips? That’s such a waste of money.

​@AnimatedIdiotGuide It's not a waste. He has earned it. He lived like no one else, so now he can live and give like no one else.

Investors should be cautious about their exposure and be wary of new buys, especially during inflation. Such high yields in this recession is only possible under the supervision of a professional or trusted advisor

@@McElvinn This is superb! Information, as a noob it gets quite difficult to handle all of this and staying informed is a major cause, how do you go about this are you a pro investor?

@@Aziz__0 Not at all, having monitored edge my portfolio performance which has made a jaw dropping $483k from just the past two quarters alone, I have learned why experienced traders make enormous returns from the seemingly unknown market. I must say it's the boldest decision I've taken since recently.

@@McElvinn I've actually been thinking of reaching a portfolio-adviser, my 401k and stocks been losing everything it's gained since 2019, mind if I looked-up this one coach you use?

@@Aziz__0 The adviser I'm in touch with is ''NICOLE DESIREE SIMON''. He works with Merrill, Pierce, Smith incorporated and interviewed on CNBC Television. You can use something else, for me his strategy works hence my result. He provides entry and exit point for the securities I focus on.

Do you believe earning money is easy when you have a reliable source of income

He is old.

Have you ever thought of earning money despite your job I can show you how I double my income

Any chance he gets, John calls Dave old.

@@sblijheid And wise

Brown noser.

Lol

This

On BS.

I was waiting on Jade and John to ask about their income. What did they do with the money that was going toward the $60k debt which they paid off?

dr balony 😂

GREAT COMMENT. You're right.

100% I’m certified in abuse and neglect with DCF and she did have some behavior mannerisms as well as talking extremely fast and negative self talk that raised a reg flag.

@@flashthecorgi2053 Good insight.

I can see this. However, Do you think it’s possible she’s just playing the victim card to avoid taking full responsibility?

Because this culture supports being playing the victim card. Even if they got themselves into their own mess.

Banks are the biggest criminals don’t kid yourself. They steal money on a daily basis but yes you should pay your bills

Keep the comments to yourself Numb nuts

😂😂😂😂

I was wondering the same thing. The clip may have been edited due to break . . . .

dr balony 😂

GREAT comment.

And pay your debts

Dave says not to take loans your absolute tool!!!!!!!!!!!!

Credit scores are one of the reasons the rest of the world laughs at the USA. Only backwards countries like the USA have them, civilised countries don't.

The sell ...surprise...... DEBT! Just like a car dealer telling you you need a new car. A credit score is only for those who want to stay in debt.

The best pairing of the neo Ramsey personalities.

Dont marry a child

Blink twice

I was wtf is this guy talking about 😂

You're always better off settling cc debt than paying it down, imo. My husband and I got out of debt by settling for 10% of what we owed. No lawyers necessary.

Makes about as much sense as saying "since" instead of "sense" lmaoo

just stay away from credit cards they are nothing but a trap

Cause a suit was served...they don't know how to answer that. If they paid this off years ago this be behind them already.

@missdemeanor3524 These amounts could be the settled down versions. Given how reckless they are, this could be the issue.

People's repressed trauma has their ego in a fit over this powerful energy.

Blink twice

😂😂 omf I’m so tired of it

So bankrupcy is somethi g that should be outlawed?

Medical bills and job layoffs happen, and people get in trouble. That’s understandable. Debt for trips and clothes and furniture and dining out? If I was in charge, which I’m not, they wouldn’t be eligible for bankruptcy, no. @@jackfox5738

If the credit card company accepts it, what's the issue? I wouldn't worry so much about other people's business. Now the government "forgiving" debts, I hear ya.

Remember credit cards have over 20% interest rates in most cases, so if they've been delinquent for a while, the company may settle for what they actually spent versus making money beyond that. While I agree in paying your debts, people being advised this on Dave Ramsey are told this because they are in a massive financial hole.

@@b-rad-3849 I am all in on that, not holding my breath tho.....