Stop Spending Money You Don't Have To Impress People You Don't Like!

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The Ramsey Show (January 31, 2023)
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15 сен 2024

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Комментарии : 203

@fourdayhomestead2839 Год назад

Living on $1840 month & doing a low spend (food for storage only), I banked $140. Not much, but it was a start for the year.

@brookelondon8029 Год назад

I remember Dave saying that if you put away $100 a month for 40 years, invested at 10%, you'd have a fortune by the time you were 60. 😊

@Trph Год назад

Been following Dave’s baby steps for 5 years now. No debt, investing, giving, paid for house. Thanks Dave. God bless you.

@mandypdx Год назад

Same, but I make $20+/mo by charging all my utilities on my cc. Dave is anti credit card. Are you?

@Trph Год назад

@@mandypdx i understand CC debt is one of the reasons people are deep in debt. So i get it why Dave won't recommend it. I also heard people abandoning the program just because they do not agree with the cc part. Great you earn 20$ and i assume you settle the bill on time every time. But i cannot vouch that others will have your discipline.

@thomaschew2191 Год назад

We finally got our stupid butts out of debt, it's been 7 weeks debt free and we are putting 15% of our income into our 401s and are putting $4K/month in our savings, will be BS7 in 6 weeks. 5 years ago were paycheck to paycheck.

@nowthatsurban Год назад

Congrats! All the sacrifices are worth it. Hopefully y'all do something to celebrate.

@somethingaboutsamantha Год назад

That is sooooo inspiring 🎉🎉❤❤ congratulations!! There is hope!

@matthewfischer5908 Год назад

That is awesome Thomas! I am $3100 away from becoming debt free!

@thomaschew2191 Год назад

@@matthewfischer5908 Debt free is the way to be!

@poupeth1 Год назад

Congratulations

@Trahern100 Год назад

I did the no spend challenge 2 months and saved a lil over 4k I started making coffee from home and bringing cooked meals from home to take to work I actually went out to breakfast with a friend today for such a job well done

@concettacuva5018 Год назад

Keep it up!! 💪💪

@elizabethtriesit Год назад

🎉🎉🎉

@DoBetterWorld Год назад

You inspired me to do no spend January. I saved $1000. 🎉🎉🎉

@carolannstevens5814 Год назад

I love love Kristina Ellis! She is a classy lady! She has a calming presence and does not act pushy! She leads well!!!

@MrEjblanco Год назад

I bought a car band new in 2018... Learned my lesson never new again... I have 6k left on it, so I'm almost done... The thing that is killing me, is I'm paying over 300 on car insurance!!!! I need to change this ASAP!!!! Also, my cell phone bill is 90/month... That's a lot... I'm going to switch over to Mint mobile and try thier 30/month plan... Wish me luck guys!!! These are the small changes I can do soon, hopefully get me more money to save!!!!

@MrEjblanco Год назад

Update: got my insurance changed and reduced!!!! Next is the cell phone bill!!!

@bertram314 Год назад

I did not know about No Spend January so I have decided to do Frugal February. Here’s to saving extra!!!!

@time2heal Год назад

I'm in!!!

@stacywren9500 Год назад

I would LOVE to see a show dedicated to people 50+ that have become baby step millionaires.

@METVWETV Год назад

I Love Dave and listen to him often and he most certainly played a huge roll in my financial success. Being an "Everyday Millionaire" it did open my eyes to the fact that 99% of those calling in are not. You have to listen to Dave for a long time to get that one caller who says I have $3 Million in the bank and I'm afraid to spend any money to have Dave say, TIME TO START!! So yes, it would be fun to hear him talking to those who have made it through....

@MariaGarcia-gj5ie Год назад

Yes! I'll be 60 this November. Is it too late for me?

@allisonmodaff5635 Год назад

Proud of you, Christina!!!! $2,400!!!!! Way to go!!!!!

@kantivutcharoenwong310 Год назад

I’m newly subscribed to your channel and it’s changing my life, I’m 44 and it’s not too late for anyone

@RamonaHiggs Год назад

Kristina, I’m not on Instagram, but I did an ish type “no spend” as I had a big birthday party for my daughter, but still I found $2400. Loved it!

@ambivertical Год назад

May the Lord continue to bless Ramsey’s Solutions for its unashamedness to share the words of Jesus Christ. God bless your company and ministry Dave Ramsey!

@viaaki2247 Год назад

The fact that Natasha and her family managed to plow through so much debt on only one income is pretty amazing. And, have enough equity to move and purchase a new house debt free is freaking awesome!!

@carolaguirre-go1708 Год назад

I love how he said “tic-tac” 😂. So cute!

@donatelloslappafello1108 Год назад

Not that long ago I used to pay my bills and then whatever was left I just made sure to spend before the next paycheck! It's crazy!

@nancyhaggard8871 Год назад

I just wish I could get my husband to participate! I’ll keep working on him.

@bringtehownage69 Год назад

Finished Baby Step 2 after the holidays. Baby step 3 part a done, saving for 4.5 to 6 months of living expenses. Fighting like wild to get retirement savings up to 15% and still budget for home repairs. Thank you for making the fight more enjoyable Dave & Co.

@taliarebeccastaub Год назад

That’s amazing ❤ well done

@rhondaadams4013 Год назад

Kristina is doing so well. I watched an episode the other day with her and Rachel and she did so well in the driver's seat as the host.

@VegasMilgauss Год назад

… this aged like milk 😂

@kathleenlupole8546 Год назад

This was one of your best shows! Loved Kristina sharing her no spend information! I am doing mine this month.

@taliarebeccastaub Год назад

Good luck 👍 ❤

@ladybee8118 Год назад

I purchased something from someone and asked what form of payment they prefer. He said, “CASH IS KING.” I’m like, “YES it IS!” 🙌🏻

@katebaker8763 Год назад

I did a no spend january and it truly pretty much lasted all of 2022 I saved and did not stop giving for holidays and events pretty much became debt free it works

@beckymigdal3140 Год назад

Dave is too nice and understanding. Boy, that must have been some vacay.

@BeautifulBC. Год назад

Dave is back!!!!!!!

@Staycozzyy Год назад

Missed him!!!!

@bettedavis9261 Год назад

Laura in HI... Hawaii isn't the only state in the union that has services for special needs children. In fact, EVERY state has services. That can be your learn something new today.

@arianavidal Год назад

Yes!!! I have a special needs son who gets services here in Florida! By law, they are available in every state. Granted some states are better than other. So, she needs to get in mom groups on FB and start finding out the top 5-10 states for services/support. Do your homework and blend that with a better cost of living and make your move! I wish Ken would've been on this call and dug more into the go back to school comment. There are plenty of times that that doesn't ROI. Also, he would have ask if there was a certification option.

@helenflorentino5231 Год назад

Thank you, Dave Ramsey! I just turned, Debt Free, and retiring end of this month. The best 7 years marathon since my friend introduced you to me.

@helenflorentino5231 Год назад

Turned 60

@marionexley607 Год назад

Great to see Dave (although George has done an amazing job), he's in such a great mood hahahaha it must have been a wonderful holiday :-)))

@nowthatsurban Год назад

"I took out 200k in student loans and stay home with the kids. I need my husband to make more to pay this off AND he needs to help more with the kids." Laura, that is beyond unreasonable. I also guarantee you can find treatment for your special child in the continental U.S. - you'll just have to leave your expensive tropical paradise. Oh, and one more thing - STOP HAVING KIDS EVERY 10 MONTHS! Was this call real?

@amazinggrace8136 Год назад

Broke people not wanting to move when they live in a high cost area and complain is what annoys me.

@Camie2030 Год назад

Spoiled. Still sounds spoiled. Feel bad for husband

@laszlobauer5274 Год назад

This is so true. I know Dave says never delay having babies because of money, but I would not have babies on assembly line while still broke.

@margie909 Год назад

BINGO!!!! "Something's got to give!" Caller didn't see that coming!

@hasani9110 Год назад

Right? Like ever heard of contraception? If she has $200k in student loans, then she must have a degree that can make her good income. She should go to work, and he stays at home

@totallifehacker1781 Год назад

"YOU FLUFFY! 😂 So true. We can all improve on our finances.

@gualhawelti1229 Год назад

“ we are spending like the congress “, love it

@gigibarrett1777 Год назад

NO SPEND MONTH!! Im going to share this with my entire family!!❤

@Gambit8121-i7v Год назад

Awesome I love this combination Of CO host lots of good questions makes the conversation with the caller super interesting

@patriciadelorme9006 Год назад

Thank you for sharing Kristina Ellis about your No Spend January. It is inspiring!!!!

@j3badger1 Год назад

I love the idea of having a January financial fast every year

@angelgirl2257 Год назад

Listening to u in 2023 in Australia..you have changed my money mindset and path.some things are not the same here re investments .looking forward to achieving more baby steps.⭐

@tenn7114 Год назад

Your system work, during the year 2020-2021 I paid off all my student loans and my car loan, your system work, now my goal it to paid off my mortgage, thank you.

@mortonmattd7494 Год назад

must be nice kristina can save an extra 2500 a month when many dont even make 2500 a month

@staceystrukel1917 Год назад

I thought they were supposed to be financially responsible and obviously she is not. I could never spend $2000 a month and not know where it goes. I guess she doesn’t practice what they preach.

@Phakaday Год назад

200k Student loan???? I hope you are a Doctor or lawyer......COME ON!!!

@eb1266 Год назад

I love these temonies!😃 it is si inspiring🙆 praise God. I'm working on baby step 1 loving it, And I listen to your show every day, To stay focus...because just about everyone around are spenders and est out every day!!!

@aaronpops4108 Год назад

He's back!

@ladybee8118 Год назад

Hahaha TIC TAC!!! 😂

@Stumpy62149 Год назад

I love Kristina Ellis!!!! Listening to her and Dave is great! Such an awesome duo!!!!! 😃

@restingsmirkface Год назад

2 DAYS DEBT-FREE! Max my 401K, HSA, and Roth; On track to also save maybe $2K/month (maybe more saving/investing once I catch my breath after paying off the debt)!

@bluebelle9572 Год назад

Way to go!!

@SasukeCafe 11 месяцев назад

I love Kristina’s fake laugh!

@time2heal Год назад

I missed the ni spend challenge! Dec-Jan Amazon is OUT OF CONTROL!!!😭😭😭

@bluebelle9572 Год назад

I’ve never bought anything from Amazon. I have looked at stuff on there, but idk, just don’t see the need.

@NathanH83 Год назад

She’s got a great radio voice

@37ccooper 9 месяцев назад

Hi I’m learning lot from your show Thanks

@dlasti Год назад

Coming from Hawaii I feel Laura’s financial pain. The cost of living here is crazy.

@McKaylaJade Месяц назад

When i added things up, i was shocked at howmuch we were spending on payments. I thought we were barely scraping by.

@185chargers Год назад

IRS got me good this year...😡

@p.sherman3158 Год назад

I want to know what Ellis did with all the rest of her scholarship money.

@eetoved1758 Год назад

That always crosses my mind too

@alexbernard6220 Год назад

You have to give it back. She's addressed this before. You can't keep scholarship money that wasn't used for tuition, boarding/meals and school supplies. Technically you can use it for clothes and stuff as well as long ad you can make a case they are used for school. Maybe you can even swindle a car if your off campus? Not sure about that but I know for sure anything that's left over they take back. You can't keep it

@NitaDelphi Год назад

Uncle Dave!!!!!!!!

@alisawoods555 Год назад

I I So Absolutely love A ❤ No Spend January And I Am Dedicated To SAVING Money For My Emergency Funds/Future Self I Am Now Doing A No Spend February! Anybody Else?!

@bluebelle9572 Год назад

Yep, I didn’t do a no spend Jan, because of after Christmas sales on food and such. But didn’t eat out or spend on activities. I plan on continuing this in Feb, maybe longer

@LocaW8ta Год назад

Did this chick with 200K in student loan debt (most of it being hers) just say that she wants her husband to work more? What in tarnation?!?!?! Here’s a suggestion--take that level of audacity and use it on something like birth control and a J.O.B. Good god almighty. Her poor husband.

@kristin89 Год назад

He made the decision to sleep with her/marry her knowing her debt and even then he could have used condoms to prevent back to back pregnancies… so he’s just as responsible.

@Valir15 Год назад

Hahaha

@cinciman5291 Год назад

From viewing your shows I am heading for a difficult financial crisis and I work everyday

@beckypetersen2680 Год назад

Why is that? Is listening causing you to work less?

@Camie2030 Год назад

Dave is right about Communists. They took all my dad’s parents gold bars back in the downfall of saigon in 1975.

@cassidy745 Год назад

So sorry about your grandparents. I’m really glad Dave talked about this more. So many things “could” happen, but fear is not a good foundation to build a life off of. Great way to handle this call IMO

@rothbj1 Год назад

3:05 I notice Dave has been suggesting and acknowledging index funds of late (S&P 500), something he never used to do.

@LeeG260 Год назад

May be Earl Nightingale but Dave could also have been thinking of the book "Think and Grow Rich" by Napoleon Hill.

@windingtrailsfarm6918 Год назад

My so and daughter in law are so frustrating. They always have a reason to spend money. “It’s my 30th birthday!” Well you mortgaged your birthday months ago ………

@staceystrukel1917 Год назад

Wow, you are bad mouthing your child online about something that is absolutely none of your business. I wonder how they feel about you!

@_Renee2 Год назад

I need an Amazon fast and no spending month. But how do you do it with kids? I am bad at saying no.

@Valir15 Год назад

Dont let your kids run your life. Show them who’s the boss! Im a preschool teacher and I taught my 4-year old students to save money that they get from relatives. All of them managed to buy their favorite toys at the end of the year. It’s important to talk to kids about the value of saving :)

@bettedavis9261 Год назад

If you can't afford to pay your bills, don't have children (especially 4 within the span of 4 years)! Sorry, but I don't agree with Dave on this.

@julialifeisgood5699 Год назад

I can’t stand women spend all that money on student loans to be stay home mom’s. What in the world. This is so crazy to me . If you dream just to be a mother, don’t go to school and spend all this money on loans . Happens so often. I work for time and I have two kids.

@julialifeisgood5699 Год назад

I work part time

@julialifeisgood5699 Год назад

I call my self part time working mom and part time stay home mom . No school loans.

@lindahuynh9438 Год назад

Tell me about it. I got me a job and chose job that I could upskill myself through online learning while working and mothering. After seventeen years I'm still able to learn. Not a cent of student loan. Sometimes my job even gave me scholarship.

@edwardeighth1948 Год назад

I got a 34 year old nephew College Grad that lives with mom that only has a HS diploma 😩

@julialifeisgood5699 Год назад

@@edwardeighth1948 I have GED only and I was born in another country. I make $35 per hour. I’m not paying for my kids college degrees. I’m not selfish . I’m hoping my kids will go through trade school .

@Jeff-xy7fv Год назад

Isn't this exactly what people do every Christmas? They spend money they don't have in order to impress people they don't like by buying them things for Christmas that they don't need.

@leegalloway9508 Год назад

if Natalie piles up cash and doesn't have a shut down, can't she just throw the money she piled up toward her debt?

@dianebeall511 Год назад

I am doing baby steps.

@theqyldguy4473 Год назад

Wait, $90K with a family of six and no debt... sounds good until you realize that the government takes $30,000 a year off the top out of your paycheck and now you bring in $60K. And with all those kids there are glasses, braces, books for school, clothes... Dave is living in a fantasy world if he thinks they have a lot of left over money to buy a car fast. Plus trying to save for retirement? There's no way. Kids are expensive.

@afsoc1909 Год назад

Question: Do you do a 529 for the grandkids or leave the college for the parents?

@thealexandraway Год назад

Either or. My grandparents set aside money for me because my parents never set up a 529 for me.

@jennys2005 Год назад

LOVE U DAVE AND THANK YOU!!!!

@celularphone Год назад

College 5000 daycare 14000 per year. I'm not worried.

@acajudi100 Год назад

Great lady...

@dancebrittany23 Год назад

Natalie needs to chill about the Gov shutdown. My husband worked for the Fed gov during the 2019 shutdown. He got paid once the gov opened back up. Natalie will get paid....

@VaughnReyneke Год назад

In the US, roller coasters are implicated in only four deaths per year. 60% of ride injuries are a result of patrons' disregard for the rules.

@185chargers Год назад

Jumping off the roller coaster mid ride is a blatant disregard of the rules.

@akamarista Год назад

Kristinaaaaaa I am going to make this year a NO SPEND year 😂😂😂

@sgp1489 Год назад

There actually is a scholarship for minecraft😂

@jennys2005 Год назад

Can you show me what a no spend month looks like in paper? Is it just no fast food or what else helps?

@ivettejimenez9460 Год назад

you are still going to have your variable spending let's say you budget for meals out, hanging out with friends, getting hair and nails done, shopping. When you do no spend you are not spending money with friends, getting your hair or nails going out for lunches meals out. No Starbucks, etc. All meals come from home.

@drewgraham Год назад

Love it

@carldupoldt9260 Год назад

Keep upt the good work

@code-52 Год назад

They saved more than a lot of people make. 😳

@lifewithlana7275 Год назад

Jade saved as much as I make with a 40hr job...🤪

@theduderino2068 Год назад

Lol $200k of that callers stupid mistake and she wants her husband to work more and get a higher paying job for her stupid mistake? Lol. No. Go to work lady, it’s your mess. Not fair to the husband

@kristin89 Год назад

Did you miss the part where they have soon to be 4 kids under age 4? If she goes back to work can they afford to pay a nanny to watch the babies? Trust me there is no job she could work that would be harder than taking care of 4 kids under age four 24/7… basically her life is going to be exhausting for several years until she gets a couple of those kids off to school.

@bharathkrishnan1917 Год назад

Big deal on "Tic-Tac" LOL 😁

@staceystrukel1917 Год назад

How are we running a country on a deficit? One word: military budget

@Unami0929 Год назад

Wow, 48 year old school Teacher in Allentown PA making $92k!

@t3angling575 Год назад

Question. How does a 25 year old save or invest $100 per month for 40 years, 480 months, and it become $1 million?

@djchristiani Год назад

Interest, specifically compound interest.

@t3angling575 Год назад

@@djchristiani, understood, but not all accounts accrue compound interest. In the example they use value would be around $625k. So, that then begs the question what accounts are they looking at that are 12% interest, compounded? That would be gold knowledge. I know some folks who’ve invested $84k over 28 years, market value is $155k. That is $250 per month times 28 years. That additional tidbit of knowledge would be most beneficial, being the most important piece of the equation.

@djchristiani Год назад

@@t3angling575 my understanding is that they are looking at the lifetime history of the stock market averaging 11.8 percent. I know not every account earns compound interest and I'm certain Dave would simply say don't put investment money in those accounts. He recommends splitting your investments between the following 4 types of mutual funds: growth and income (25%), growth (25%), aggressive growth (25%), and international (25%).

@t3angling575 Год назад

@@djchristiani, understood, we seem to understand the same. Growth is key, all depends on one’s risk comfort. 28 years is long term, to me at least. Mine will continue to be invested regardless, the statement made could use more context from the team, to drive the point home with more knowledge, the average investor may not, probably does not have. Thus they tune in to learn. Thx. Good conversation. Be blessed.

@djchristiani Год назад

@@t3angling575 agreed. I must confess that I am no expert, hence why I am here lol!

@somav8 Год назад

I am quite certain there are mario scholarships they just might be difficult to obtain.

@hildamiller-3816 Год назад

Why people impress to people who they don't like? Answer is they arrogant and pitiful

@onemishelle Год назад

Go, JMU Dukes!

@myrat.9807 Год назад

I love paying taxes just because I hope it helps someone. With this in mind I would appreciate the tax break on the student loans. Thank you 🙏🏽

@williamzayas2541 Год назад

The last thing taxes are doing is helping people.

@LocaW8ta Год назад

Is this satire??? Or just good old fashioned virtue signaling?

@myrat.9807 Год назад

Tax payers are the foundation of our economy. Tax payers support building roads, infrastructure, military, SSI, and welfare. All these services funnel back into the economy by providing jobs and services. People receiving welfare use the money to buy products and services from the wealthy. The fewer people paying taxes, the weaker the economy will be. Unfortunately the tax rates are too high right now because some people don’t participate. Be blessed everyone during this tax season.