Dave Ramsey "Budgeting" Money Makeover - 1/10

[a6eBezerkur]

part 3 There are more drugs now to cope with about every situation resulting from stress. New terminologies popping up every week. More doctor and health shows. And the main viewers and people seeking out help are people who live paycheck to paycheck. The middle class is gone. The jobs went over seas so greedy Corporate owners have a lower overhead to profit margain to put in offshore banks and re-invest. But you rich dont give a crap because us commoners are just door mats. Not for long.

[a6eBezerkur]

part 2. He tells people well if hes/she isnt making enough in their full time job get a part time job on top of of it. I dont know what planet he came from but people need proper sleep, need time to be part of the family, and time for basic home chores. And just plain RnR or a person will get to the point where it can effect their health in a drastic way. The days of a one spouse working a 40-50 hour work week that can take care of everything is long gone and we wonder why people are stressed.

[a6eBezerkur]

We live in a Corporate Dictatorship where our politicians are puppets. I listen to his show almost everynight hearing these people scream debt free saying how they paid off a debt that equals to what most people make in 5 years in a year and thats not including your basic living expenses. This show is obviously for the privleged and people who know people in the right areas for a job. Its not what you know its who you know. part 1

[WakeUpBGT]

i also like dave ramsey, and i have great save money and get out of debt advice

[wakemeupintwenty]

i like dave ramsey, check my channel

[HP8oz1P16oz]

i wish we didn't have so many taxes and law's in this country.

[happylaughlove]

I am working but my boyfriend is an American Native Speaker and his income looks completely different every week: new students, cancelled lessons, different days students want to meet. How is budgeting possible if you don´t know your income? Thanks

[checo1401]

the special effect in 0.40 is just hilarious.... thanks for everything Dave (a guy in Spain)

[jman1863]

Right on, Dave!



[altonjjones]

@neemguy81 Equifax, Experian and TransUnion has its own range of scores. Equifax, for example, has a top score of 850. Visit the How.html page from my site to download my confirmation pages displaying my score of 824 from Equifax, 783 from Experian and 973 from TransUnion.

[MyFunaddict]

I love listening to Dave, I just listen to his voice and it all seems to sink in

[crock2020]

Peter Schiff was right!!

[suicideredemption1]

Am 17 and ready to be rich when i get older

[Samadhiatman500]

My brother's girlfriend told me about this. It is changing their lives. I have the book. I know I can do this....sigh.

[smcnaspy1]

I am 19 years old and in the US Army. In my teenage years my parents were in debt and started listening to Dave Ramsey. While in the process I picked up the teaching of Dave Ramsey. My GMC Sierra is paid for, CASH MONEYYY! Most people around me don't believe in not using Credit Cards. When I tell someone that we do not need credit, they look at me like Im crazy! Dave Ramsey is the MAN! SAVE SAVE SAVE SAVE Is the key to finances........ Save for what you want and need......

[marisole771]

I HAVE BEEN DOING THE DAVE RAMSEY PLAN SINCE 08, BUT I DONT LIKE TO "PLAN" BECAUSE NOTHING EVER GOES AS "PLANNED."

[mystaybuzz]

ok i hear you Dave - plan it, list it, do it!! Thanks for sharing this video, very good advice on budgeting ;p

[mgorcs]

Thanks Dave for your good advice.Wish more people will listen to your video.

[altonjjones]

I scored Equifax 824, Experian 783 & TransUnion 973. Visit my channel to see how I did it.

[neemguy81]

@altonjjones I thought the highest was 850...not that it matters, but oh well.

[mshurance]

0 Based Budgeting....Someone needs to explain that to Congress

[KobeFan3408]

@mshurance Exactly...!!!! Then they wouldn't have to wonder where all of their money went and come after us taxpayers to get more. They should create a Dave Ramsey money management program for government officials

[dieseledge]

Plus, I will point out that the credit card companies and companies like McDonald's have done research that you tend to spend more using credit cards or even a check card than you do when you use cash. So yes, using cash is like resisting a type of social engineering. I have found this to be very true once I started using real cash and my check card less. I tend to be much more frugal.

[dieseledge]

@auctionmusic What exactly is your definition of street talk? When it comes to finances, Americans in general lack financial common sense. Not because they are stupid, but because they were taught to be that way. People might know this stuff but that is pointless if they don't put it into action and live it. No one will tell you it's unwise to save but they never do it. FYI I am no longer up to my eyeballs in debt, just knee deep.

[dieseledge]

While I disagree with his stances on our monetary system, I have been using a few ideas I got from him. For example I'm using his envelope system to make sure I don't accidently overspend and use money meant for gas, food, and even entertainment. Much of what he says, I already believed and had done. I was a month away from finishing off my credit cards when I first heard him a month ago. Now to knock out the student loans.

[ellomonkeyditto]

Great video! If you want to learn more about this topic read Money and Budgets: The Honest Roadmap to Financial Freedom by: L. Burke Files. It will help you accomplish all of your financial goals with real information and knowledge. No gimmicks!

This book can be found for purchase at amazon.com

[addysea]

Great insight and motivation for those who want start doing this! i will use it in my sermon this week!

[biospharms]

For solid facts on what's going on in America and elsewhere I like these You Tubes: Peter Schiff, his are all good watch them all if you can.

Dr. Albert Bartlett, Titled: The Most Important Video You Will Ever See.

National Inflation Association, Titled: Meltup, and another one, Japan: Americas lost decade.

One last one that I just found is: Why Are We In So Much Debt. Very good info but a little slow for me. Have fun and God Bless

[ridehardmc]

I think these guys that are on here talking about making all this money with GOLD are selling the gold. I think paying your house / dept off first is better. If you HAD $100K in 2001 in cash to buy gold at $325oz(307oz), sold it for $1200oz = $369,230k - $100k investment = $269,230K - 33% taxes $88,836K. Total profit $180,394K. you will still have a mortgage to pay plus the interest. What if the gold market didn't go up but stayed the same? Pay your house off. Less debt less stress. Live life

[NumbersMadeSimple]

The challenge that most people have with budgets is the same one they have with trying to stay on a diet ... if it's something you are being forced to do, or think that you are denying yourself, you are doomed. Instead, plan your budget by having the first line represent what you are paying yourself - and always do this first! These are funds that you will use to increase savings, pay down debt, or build up a vacation fund.

[cherrycolacubes]

This man is amazing. He has helped me soooo much. I've done this written budget every month for about 4 months and it's amazingly helpful. Love him :)

[sportsphotogirl]

I'm taking FPU at a local church. I am very thankful for Dave Ramsey. I wish I took this course years ago.

[gigie555]

Dave Ramsey might sound good, but anyone who missed the gold price increasing 500% in the last 9 years, and calls gold a "dumb" investment, should

not be giving investment advice. If I paid off my $100,000 debt in 2001, I would be debt free. If on the other hand I had "saved" $100,000 in gold (which is really inflation proof money) I would have $500,000 and after paying off the $100,000 plus interest (about $50,000) I would have $350,000 to spend. Not so bright are you Dave?

[Jacobrester]

@gigie555 Gold is inflation proof ?.....no way dude.......Gold was sitting at $855/ounce in 1981....if it were to simply keep up with inflation it would be sitting at atleast $2000/ounce.......gold is a terrible long term investment historically

[ridehardmc]

@gigie555 That may be true about gold but how many people buy it ? and take the chance of it not going up. The price of gold pretty much stayed around the same price for years. and in that time you could have paid your mortgage down. most people do not have a 3% mortgage rate. Most I would say from 5-8%. So the smart thing would be to pay off mortgage and buy some silver/cold. Oh dont forget the 20-30 % income tax you will pay on your gold when you sell it take that out of the profit.

[gigie555]

@ridehardmc

My point simply was that Ramsay is not all knowledgeable since he missed the gold bull. He shows very little knowledge of monetary matters which is important in making investment decisions. Anyone who calls gold a "dumb" investment based on it's lackluster performance from 1981 to 2001 is relying to much on the rear view mirror for making investment decisions. He should know better.

[TheJourneytoWealth]

I loved the video and information. I am a divorced mother of two who was tired of living paycheck to paycheck and decided to take charge of my own financial situation. Taking charge of my money changed my life and I decided to share my own finance journey in my book, Sick and Tired of Being Broke.

[ugboy1]

this guy is cool!!!

[zen3131]

damniansexy1, "The Secret" is good but it is not nearly as effective as Dave Ramsey concerning money. Dave Ramsey is all about ACTION not about "wishing with focus and expectation" that someone, someway, somehow will send you unexpected cheques in the mail. (it wont happen). But Glad you also like Dave Ramsey's material.

[jaysmic24]

dave ramsey is awesome

[damniamsexy1]

Wow this is Amazing! Have you seen the seceret? this is so positive thank you x x x

[XxPaigeMarie]

@damniamsexy1

I saw the secret!!! No one else i talk to seems to kno what it is but mannn I think it's amazing. <3

[damniamsexy1]

Thank you, you for your e-mail you will be shocked how many of us who know the secret are out there, my life has truly changed. I am so blessed by god and every day my life and my childrens lives just gets better and better. We are actually right now out off our council flat and living in a million pound house I downgraded our car for the move, but now I am focusing on a newer vehicle. enough about me how has knowing the secret enriched your life?

[smilingvulture]

a PLAN is totaly right---you always need a finishing line/goal to achieve

[yhummerh2]

Thank you for posting this video, EVERYONE should know DAVE RAMSEY!!!!! Thank you again (-: