stop telling people to live within their means. 

It's like a narcissistic family. The toxic parents places all the children into certain roles causing dysfunction and chaos in the entire family, pitting everyone against each other. Now instead of getting to the root of the problem, all the siblings blame each other and have hate towards one another. Meanwhile the puppetmasters (the parents) sit back and laugh enjoying the destructions that they created in the first place.

This! 👏

Precisely. 👏🏾👏🏾👏🏾💛

this is so true

​@@shabrethajennings7291 UNDERSTANDING it on that level is fine, but the REAL PICTURE IS EVEN GREATER! WE complain about our family, but WHAT ARE WE DOING TO COMBAT THESE OTHER ISSUES? WHERE ARE OUT PICKET SIGNS AND OUR PRESENCE WHEN IT COMES TO FIGHTING FOR EQUALITY AND THOSE THINGS THAT WILL PROVIDE US ALL A BETTER LIFE?!! IF TRUMP IS ELECTED WE WILL ALL BE DOOMED BECAUSE OF HIS PROJECT 2025 AGENDA!! The MAJORITY OF US HAVE LEARNED TERMS IN REFERENCE TO HOW BAD CHILDHOOD OR RELATIONSHIP EXPERIENCES, such as NARRSASIST, GASLIGHTING DYSFUNCTIONAL BUT WE HAVEN'T LEARNED THE LANGUAGE ON HOW WE CAN PULL TOGETHER TO PULL OUR COMMUNITIES TOGETHER TO STOP POVERTY, WHICH IS A RESULT OF SOME OF THE GUN VIOLENCE ect....... HOW MANY OF OUR PLATFORMS ON YOU TUBE ect...... ARE EDUCATING EACHOTHER ABOUT FINANCES, BUILD PERSONAL, COMMUNITY AND GENERATIONAL WEALTH, PROMOTING NAMES AND BRANDS OF BLACK BUSINESSES, OPENING UP OUR OWN SCHOOLS AND VOTING! If TRUMP GETS IN OFFICE AND HIS PROJECT 2025 HAPPENS, You and Me both will feel WORST THAN BEING IN A DYSFUNCTIONAL HOUSEHOLD! WE WILL BE LIVING IN AN UNIMAGINABLE WORLD OF SLAVERY WORST THAN BEFORE!! PLEASE ENCOURAGE FRIENDS AND OTHERS TO PAY ATTENTION TO PROJECT 2025 SO THAT THEY WILL VOTE RESPONSIBLY UNLESS THEY DON'T MIND ABOUT BECOMING A SLAVE!

This👏🏾👏🏾

But you can make more money. Study what skills are profitable and in demand. Content creators are making it seem like it's hopeless, but it's not.

​@DebraJohnson while what you're saying is true, about making more money, your comment shows that you missed the point of her video.

​@@dcg590 Wow. This is so not the channel for you, Champ.

lol seriously!!! also to the other comment If I have to work my self like a slave to make more money. your damn sure I’m going to complain about it. I wasn’t born to work my whole life to not be able to afford anything, be miserable, keep quite about my misery & be depressed fuck outta here.

Thiiiiiiiiis.

Food for thought!

Exactly this

I would’ve been stuck in the hood otherwise.

Dave has helped SO MANY PEOPLE!!! God has blessed him with the wealth he deserves because he wants to see everyone else WIN 🥇

He filed for bankruptcy TWICE, the first time as a MILLIONAIRE !!

Period 💯

Shrimp, lobster and crab used to be poor peoples food that the rich wouldnt eat. They are the cockroaches and scavengers of the sea. Shellfish that the bible advised not edible. I read this somewhere. As usual it was marketable so they became delicacies.

@@77HeIsLove_woot This is soooooo true. When I worked at a big box store, they used to sell huge bags of chicken wings because poor people would buy them and cook a whole meal for their families. They were very economical and people with money were buying steak and prime rib instead. Then came the popularity of "The Food Network" showing fifty different ways to make chicken wings for parties and tailgating. All of a sudden the price of chicken wings skyrocketed and I have never seen them cheap again. Rich people will put a price tag on anything, knowing that we will buy it because of our need to look like we're rich. They will sell you an $80.00 cup of dirt on a Tuesday when it was free the day before.

Woof, you said so many important points…!

THIIIIIIIIIIIIIIIIIIIIIIS. They stay pocket watching. That's a big reason why folks feel guilty when they want to buy something for themselves. They fear what other people will say. They fear people telling them that they are undeserving. 🥺💛💛💛

If you're gonna be poor... at least have the common decency to ALWAYS be miserable about it. How dare you enjoy life?

@@ariesmryA word!🙌🏽

@@ariesmry lol yep

Facts! I was working, but struggling and my partner was unemployed. One day I had a few extra dollars and purchased a set from bath and body works no more than $10-12. He railed about how expensive it was. Meanwhile he asked for money for cigarettes, weed, liquor etc. None of which were cheap. Misery loves company.

Good for you

sun and sea is so important. i'm cut off from this part of myself, to realize and acknowledge what i need is so incredibly deeply painful because it comes with the reality of denying these very basic things humans need. relaxation? a life without fearing homelessness and hunger and abuse and violence black women experience without the security of four walls and a roof. it's all so painful.. i can't even let myself dream of something like this because i'm scared i'll try and go get it.

Love this! I'm about to do the same and just live as the more I try to save and pay off debt, life just continue to happen so I'm not worrying about it even more.

I heard Dave Ramsey say recently on his podcast that broke people should never go on vacation and I totally disagree. I think if you have a way to get there you should just go, because if you sit around waiting for the “time to be right” the right time may never, ever come.

I feel like she is the new “poetic justice”. Her words of truth are poetically profound

Yes.

This is so true!!!

In the 1970s we used to have to have commodities to make ends meet and in those commodities they would give us food for filler like bulgar.... We could not afford fuel oil and we lived in North Dakota major problem... This is not something new.... Thousands of people in America grew up not having much....they didn't whine.. The only organic was the food we grew in our backyard or in 5 gallon buckets on our patio... We played kick the can We didn't even have enough cans to turn in for money. We did not have a television... We did not have 2 cars we had one car and 1 bike... We lived in a town of 5000 we were considered average.

Anthony O'Neill is black and he did the Dave Ramsey program as one of the Ramsey Personalities..

All of this!!!! 👏🏾👏🏾👏🏾💛💛💛

I’m so thankful my mom left me an inheritance right before the pandemic. She also owned her home. That’s the ONLY way I was able to buy a house when covid hit. So I understand the struggle❤

Housing is unaffordable. Only reason I’m not renting is because I’m living with my parents. That is my privilege . Some don’t have that option and have to rent. Rent is too high as well.

If many home owners r real, they will tell u how costly a house can b. They don't speak of the repairs & maintenance that extends the price of renting. Not just that, but every1 doesn't want the responsibility of home ownership, nor does every1 necessarily live n 1 location all of their life. Selling a home is not always as easy as people think. Buying a home is not as affordable n many places as it once was. Most places where homes r under $200K, the average working person doesn't want 2 live. I just let people live & do what's best 4 them.

In most cases, renting is indeed throwing money away but that doesn’t mean that because you’re a homeowner, you’re wealthy. That’s absurd. I bought my house, not to become wealthy but to make sure my kids would always have a roof over their heads.

EXAAAAAACTLY.

Thiiiiiiiiis!!! 💛💛💛

I just had a RU-vidr Fin Guru say I was "envious" and "ignorant" for suggesting that a lot of ppl who are so well off in this hellscape economy are faking, cheating , lying or stealing. Maybe I struck a nerve with said Fin Guru.

@@anajackson6677 It's all smokes and mirrors. They hype themselves up as masters of sorts, then make you feel inferior in order to sell their courses to you. And the courses usually don't have any relevance to your unique situation

🎯🎯🎯

well said!

PHEEEEW. This. You're never really safe and you never really done. They're always thinking of new ways to get folks. 🫂🫂🫂💛💛💛

Should be a ubi then get out there and go for it

Yeah I really just want to find out how I can be okay in this world.

Agreed. I do wish we'd share more. Far too many people say things like "Well, I got mine, so you have to get yours..." NO. Sharing resources helps SO much. I LOOOOOOVE learning about the Blue Zones. That is helping me design a life that's good and healthy. Much love and joy to you.

@@AleciaRenece Yes! I am a lifelong student of the "blue zones." The ExodUS Summit community incorporates so many healthy elements that are practiced in those "blue zones" communities. More blessings to you as you continue to speak your truth while sharing your processes with us!

@@AleciaRenece that's pretty much the standard in the black community

It's not just sharing of things, but simple information. People won't even tell u how they attain simple things where info is not readily available. When I found out about my city's home buyer program, I told any1 who would listen. They were offering all types of grants 4 people who made less than a certain amount a yr. So many people can benefit & build with simple info that I c people charge 4.

And to think there’s people with plenty of money, who still feed the garbage to their children and don’t understand the long-term effects of a bad diet and malnutrition

Same thing with stress relief and entertainment. I'll be dead from stress before I pay off my student loans or get a mortgage. Those aren't achievements if they kill me trying to get them.

Own**

if your renting you're doing it the wrong way. renting is for people who can't save or budget money or those who are too fussy to live in poverty while they save to buy things.

@@xx-thenightrider When I said renting, I didn’t mean literally. I mean that everything we own is temporary on this Earth. Our homes, our cars, our clothing, our possessions, our loved ones- even ourselves.

@@SweetT358 so true

Damn. That’s real

I seen a realtor trying to convince people to buy a home in this economy low key shaming renters smh.

@@dcg590you seem to have a lot of answers. Do you help people solve problems for a living? Or you just like to troll random strangers on their life situations that you don’t know the first thing about?

I bet he is poor himself with all these “solutions” because he thinks you can save & work yourself out of poverty. Nurses & doctors are poor in the west. In the UK. the NURSES who SAVED so many people during COVID watched people die are going to food banks & can’t afford to live. A police investigator told me she can’t even afford the new apple headphones all while telling me that the reason why a SERGEANT abused me is because he’s overworked & that’s why I am pivoting to a better career & out of the West.

Even the burial spot is another scam. "Final resting place" is a lie, since most cemeteries get dug up after a few hundred years unless it's one of the lucky ones that becomes a famous historic spot and stays preserved longer. I know they have to get dug up eventually other wise we would be surrounded by nothing but cemeteries, but the fact they charge us a lot for a "final resting place" is just as messed up as everything else we are sold.

Just one bankruptcy but he's still a mean jerk to people

Thank you so much for even listening. Much love and joy to you 🫂💐💛🌻🌺

Congrats on your own space! I'm 39 and did the same in April! 🥳 Also, thank you for your service in education, THE most important profession in the country! 🧑🏾‍🏫

I love how you said “illusion of financial security,” because truly, it is just an illusion. I’m working on trusting GOD and not these manmade things.

@@r.carlier8022 thiiiiiiiiis 👏🏾👏🏾👏🏾💛💛💛

Also, that the wealthy basically outsource their consequences to the rest of us. We pay for their actions.

Stop expecting it to get better. The solution to making it better isn’t something that you and everyone else in society are willing to do so there United States is gonna stay this way due to complacency.

@@MB-xv7er I see you have your mind set on believing things won’t get better. Everyone does not think that way, the world isn’t over so the chance of things improving are possible. It’s just there are people in high positions who are greedy and inconsiderate of the needs of others outside of themselves! I’m not expecting anything I just simply want a better economy and better decisions to be made on the behalf of everyone. Saying nobody including myself is willing to do something to bring about change isn’t right because there are people WHO ARE going about creating change. I assume you are not aware of this but you should do some research instead of jumping to that conclusion. Speak for yourself because I didn’t say once I wasn’t willing to create change or help in some way.

You’re starting to understand

Dont even have to go all the way to Pakistan, look at what the republicans are trying to do in the south with the working age for kids.

I had tenants who couldn’t pay me the month’s rent after spending a week at Disney World, same thing, priorities I guess!

lots of people are terrible at saving money. they also don't know how. i see people wasting so much money it disgusts me sometimes. for example why would anyone buy a meal at a restaurant when we can cook it for 1/10th the price?

“People will spend THEIR money on what they want and try to spend YOUR money on what they need.” Their no ignorant and not not to ask to borrow money for thing they can’t afford. Needing help on a bill is a better story! 😂

Damn.

Usury

But when you spend above your means, you are being exploited. Interest charges can kill you. They fool poor folks into thinking a nice sweater or new car will make you feel better about being in poverty, then kill your credit score. Come on yall are mad at the people trying to help you.

I have thought that too that is rent.

@@realashandaatlarge I'm so glad you're here 🥹💛🌺🫂🌻🌞

Also, Dave Ramsey losing everything and becoming a millionaire is like someone becoming a parent at 14/15 yrs old and having a great life at 35. Did it work out? Sure. Would they suggest it to anyone else? Probably not. Same reason he tells others not to go crazy so they don't make the same mistakes as he made.

I'm going to approach this in good fate and just say that some of you significantly underestimate how the intersection of so many forms of systemic oppression in this country harms people. When you talk about people needing to change their mindset and experience joy from other sources, what you are not acknowledging is the fact that having to do this in and of itself is dehumanizing. Why do I need to make my life smaller when somebody else's is boundless with greed ? Asking people to create personal solutions to systemic problems that continue to grow and expand means that they will forever have to continue to adapt to horrible situations. Prescribing personal solutions to systemic issues is not a solution.

​@@papertape7911 In good faith, you wouldn't have wrote that or you didn't take enough time to think about what I said.

@@papertape7911 I was going to edit my original to specify these but I said nothing wrong. What I said may have been taken personal, almost as an attack, rather than as I said it and I'm sorry for not finding the right words for better share my point. 1) Just because I didn't say it, doesn't mean I missed it. She gave perfect examples of the systematic issues around poverty. From buying a used car that required immediate maintenance to buying cheap foods that cause health issues later. There's no reason to reiterate what she already said. I'm a black man from Baltimore City, I'm more well off now than most, but I know this well enough without any more. The only points I cared to share in the moment were the ones mentioned. 2) I'm speaking about a very specific group of people, not all poor people. And I initially pointed out GENERALITIES ARE DIFFICULT. Those who ONLY find joy in [what I would consider somewhat] destructive behavior are my target. Changing the 'only' in that statement is my true point. 3) Dehumanizing is the wrong word. I'd never say to remove your joy/personality/sense of self/etc. (which is dehumanizing). I'm saying EXPAND these. If being poor means you can't expand yourself, experiences and perspectives, you are dehumanizing poor people. 4) Did I say a change in mindset would be easy? No. Most men still can't seek therapy. Changing your mindset to experience joy/love/peace differently is definitely difficult. However, we continue to tell men to go to therapy, so I continue to believe that SOME people should look at other avenues for joy, especially if they already are struggling to survive. This would only benefit them because they could experience that joy more frequently if there is no price-tag. And if they become millionaires, they still can enjoy the same joy the exact same way. 5) Prescribing a non-solution to a systematic issue is worse than a personal solution. I've learned to accept and change things that I can in the moment until the [systemic or not] issue itself can be resolved. That's what I learned in therapy at least. Unless I should stop going to therapy now...

I really don't know what you're talking about or why you're being rude to my people, but you gotta go. (that was for Marilyn.... Homegirl.) She was rude, snotty and annoying.

That’s not true AT ALL. Dave doesn’t want people to be slaves to lenders forever. When you get out of debt, you can live life on your own terms.

@@DebraJohnson *IF you get out of debt. Most likely will not, because the goalpost is always moving. Poverty/poorness is by design. Our society needs an underclass for a small percentage of people to thrive.

no point using your education on people who are good capitalists.

@@Mara.Isabelle 👏🏾👏🏾👏🏾💛💛💛

What do you think about Caleb Hammer?

Thank you for mentioning the part about following the steps on your own terms! I absolutely disliked the idea of only paying off debt without saving anything else over a $1,000 until all of the debt is paid off. If I paid off all of my debt and threw all of my extra savings towards that and an emergency happens immediately after I pay it off, I'd be forced to go back into debt if the emergency cost more than $1,000! I dislike how rigid the steps are. I tried so hard to pay off debt and throw large lump sums at my debt, but life proved to be too unpredictable for me to over-generalize my budget. Dave Ramsey's steps are great for folks that need help with even setting up a budget, and maybe as a conversation starter...but, it's not the end-all-be-all.

It's best you keep quiet about how much you make so that they don't increase your rent. People don't want you to rise, let him think whatever he wants.. My landlord really likes me so he kept my rent low and gave me free deposit to move into one of his bigger apartments which he is renovating brand new just for me meanwhile he has no idea I own MY own property abroad completely paid off. 😂 calm your ego and play dumb for a little while.

No lie, if you have an area that gets some sun, get yourself some seeds and start planting!! I have blueberry bushes and I don't have to buy them from the grocery store because I get them from the bush. We used to have a strawberry plant and it was prolific. We love when the spring time comes around so we don't have to buy certain veggies from the store. Plus they last longer than the store bought fruits and veggies Yea my strawberries from the store always became rotten before I could eat them all.. and they were tasteless.

Most of those people are mad because they don't qualify for those programs, but yet still struggles to make it. Then you have those who have never struggle and think they are entitled to control what others do or don't. The mindset of man today is corrupt beyond measure.

I literally do grocery shopping at a cornerstore/deli/bodega and at a gas station because I live on a steep hill. I'm able bodied and the closest supermarket is 5 blocks away, but goddamn it's one hell of a trip when you're shopping for the month and have to lug around a cart half your height to get that shit home. something about it is so miserable and depressing. and the supermarket is really small to the point of it being difficult to move through the aisles with a shopping cart from their store. i just stopped going because it's too fucking much. i don't know how to explain why I don't go to that supermarket anymore. i just can't and i don't.

Same for shrimp. They are literally the roaches of the sea.

Now now there let's remember to be inclusive 😂 I do love me some LOBSTA 🦞🦞

I can’t stand lobsters and shrimp. My Mom actually likes to eat shrimp cocktail. No raw shrimp for me. I’m not trying sushi either.

@@Magy09able 🥺🫂💛💛💛🌺🌻

SO SO SO SO SO TRUE. I live in transitional housing program in a shared apartment with other mentally ill people on SSI. I FEEL TERRIBLE ABOUT MYSELF BECAUSE I'M BEING MEASURED BY STANDARDIZED GOALS THAT I MUST MEET IN ORDER TO BE CONSIDERED ELLIGIBLE TO BE REFERRED FOR MY OWN APARTMENT. The amount of violation, disrespect, harassment, threats of verbal assaults, and physical assault threats I've personally received from other clients/roommates or experiences I've witnessed other clients have is RIDICULOUS. I am hanging onto my mental health by a fucking thread because I'm not safe enough in my own apartment that I contribute $1170 to every month while being left with $200 to spend for the rest of the month. The amount of pocket watching I experience is excruciating and unbearable and it's literally blatant classism and victim blaming when it comes to being poor and "creating savings." Supposedly, it should be easier for me to budget because I have Medicaid, no utility bills, and food stamps which is barely enough to cover groceries for two weeks because of how expensive groceries are in my state and country. I can't even be honest with them about my budgeting because I'm simply trying to maintain my sanity and happiness by using my last monies to buy fast food because buying two biggie bags for $14 dollars everyday and using Instacart in a food dessert is the highest form of luxury and ease I could afford. My food stamps doesn't last me the month and because I live in a food dessert, there are more fast food restaurants at every corner than actual grocery stores in rare walkable distance that have monopoly on high prices because there are no competitors around. It HURTS. IT HURTS SO BAD. And the only reason I am not allowed to get my own apartment is because I "don't budget well" even though I pay my fucking rent on time and they get their fucking money every goddamn month. I don't cook because I was never taught how due to my mom having to work so much during my childhood and not having the spare time or energy to teach me how she did, IT IS A WASTE TO MAKE MEALS THAT CAN ONLY BE LEARNED AND MASTERED THROUGH TRIAL AND ERROR WHEN I BARELY HAVE ENOUGH FOOD STAMPS TO AFFORD TO MAKE THOSE MISTAKES. YES, it is easier to eat fast food instead of spending hours at a stove just to make some shit I don't like. And they simply interpret this as lazy. I HAVE FAUGHT TOOTH AND FUCKING NAIL TO HAVE ACCESS TO THE RESOURCES I HAVE THAT WERE FORTUNATELY ATTAINABLE BECAUSE OF MY PRIVILEE. I DON'T LACK DISCIPILINE, I'M FUCKKKKING POOOOOOOOOOOOR. I'm GRATEFUL, but I shouldn't have to be thankful for something I need to survive as a human being with physical needs in a physical reality that requires physical materials for me to maintain the functionality of my body without experiencing chronic hunger and being exposed to violence in emergency homeless shelters. And the most fucked up thing is that they don't pay case managers and social workers enough money to afford to live in this state/country, but work them like dogs while forcing them to shame people who are in the exact same predicament. One case manager I had was living in a homeless shelter herself, but she made too much money to qualify for public assistance but not enough to afford her own apartment for her and her baby...

​​@@zipitzizzy2442wow wow wow! I'm soo sorry you are enduring this horrific treatment. It's so many layers and levels involved with this homeless system. I hate it. Also they have one case mgr to many people who need help and the CM is overwhelmed with so many tasks and issues within issues with requirements and also people who battle MH issues along with physical ailments, SA and more and the biggestis Economic Oppression! It was a horrible experience and the system is and continues to be rigged!!! Also they love to have BW in positions like this to deal with all of these problems. It also depressed me to see so many BM, families, veterans and women homeless/houseless. 😢

​@@zipitzizzy2442I wrote an entire response and it was erased. I'm so sorry you are enduring this oppressive system. That wtf it is. I pray you get all of the assistance, joy and success you deserve!!!

So were the Millenials.

And that makes me sad. 😔

Same

I know what it means. 💛🌻

@@wizardofahhhhhhz depends on where you live. That's not getting me nothing here. 😅 I wish, though. 💛 Engine failure, lost wages, unable to pay rent.. All these things are emergencies... 1000 is not covering that.