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I have ways you can save money, you can do whatever you want with it too. Watch my videos, its not a scam, I don't have the time to scam you. I just want to help. Solely, that is all.
this is the worst possible financial advice you can follow .
Sure , one can become a millionaire by saving almost everything he makes for the next 30 years , but when this money will only buy you a loaf of bread in the end , the only thing left to do is to shove it up Ramsey's ass !..
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Dave is a nice guy to share all his experience with people, show them how to become debt free. His advise is FREE on his radio show, isn't it great. Try getting advise from a attorney its at least $100/HR. Don't be jealous cause he's getting people to tune into him, cause his advise has been working....for those people who hating on Dave, why don't you go and talk to the world on your theory...
Dave is right about getting out of debt but when I heard he was PREACHING at RICK WARREN's church that gave me pause. Also why doesnt he tell his flock that the INCOME TAX is UNCONSTITUTIONAL?
I have something that could makes you live in Financial freedom i swear its real and will let u make at least 780.000 $ a year :) pm me and we will talk THUMBS UP IF U WANNA BE SUCCESSFUL :)
Take your money out of the Jewish Federal Reserve banks, get out of debt and STAY out of debt (cut the parasites off), leave the US if you can, refuse to fight in Zionist wars, turn off their propaganda news channels, and boycott Hollywood (watch for free on internet). Fuck Israel
Just saw the video "Dave Ramsey on Peter Schiff the Idiot and Irwin Schiff the Kook". I wonder if Ramsey has enough integrity and and humility to write Peter Schiff a letter and apologizing for being wrong. He offers good advice on personal finances, but does not seem to be very adept at global economics.
Dave has some good points and some very bad ones as well. Take what you need from him and leave the rest. And use your common sense.
He comes across as a self-proclaimed, self-appointed guru. And haven't we all had enough of gurus the past 30 years or so? And of course, ALL the gurus are fantastically wealthy thanks to the average guy (or gal) who is hopelessly in debt with a crappy paying job.
Pay attention and Listen to Dave! Here it is free, I had to pay for the class, but it was all worth it! We have paid down our debt by almost $18,000, and still a long way to go, but on the way. Not going back to using charge cards...ever! Want to be entirely debt free in 3 years...have to just stick to it. Already paid off 2 cars and paying down the credit card debt now... :))
dave poopoos gold and silver but never addresses that all the money (federal reserve notes) that currently exists is purely based on mountains of bad debt; if you disagree with his simplistic authoritarianism you are "hate mail"
but those are my only bones with him; he had done a world of good
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Can't get out of debt if you never are the way I look at it :) this guy is smart and his idea is simple don't spend more than you make.....its not really that hard
i think he honestly, truly and deep in his heart wants to see people debt-free and rich but he needs to eat, too. he talks about saving money but sells optimism and hope. too many details and moving parts gets in the way of that. true, he won't save the world but that's not his job. leave the man alone.
is it too much to want a wife, a house and maybe even 2 kids? I don't think that;s asking too much, now I know Dave Ramsey says normal is broke, by normal he means using credit cards and always living in debt, car payments, etc. keepin' up with da' Joneses! In Texas where I live we have a saying, All hat and no cattle (lookin good, but no money in the bank) I want to be normal, the right kind of normal, not the wrong kind.
bad news, loveless relationship, doesn't want to hug or kiss me in public, and barely wants to hold hands.
Sometimes I wonder what's the point in being debt free including the house when you don't live like normal, sigh*
by normal, I don't mean broke, I mean M.W.C. (Married with Children) I would say 90% of people my age have at least one kid and are married or engaged.
here's my story, I've been working odd jobs since I got out of high school, saving up to buy a home , living on rice and beans, living frugal, sure I have enough to buy a foreclosure home and I've trusted my dad with $36,000 that I have in the bank to buy a house when he and his friend find one, but unfortunately for me, even though I've lived debt free, I've suffered loneliness, I'm 29 and I have yet to settle down, marry, and have a child/children, just one will do with me
hey Dave, you are a faith based god loving person, so here are questions for you: what do you do when god is an asshole to you? when he fucks you every day for life? when you do all the right things and get nowhere? well, thats not true, i got further behind, thats somewhere i guess. good for you if you love god, but you should know he plays favorites, and if i ever met him i would spit in his face, kick him in the balls, and slice his throat. he is the pig of pigs in my book. FUJC!!!!!
Dave Ramsey greatly under estimates the extent of the U.S debt problem, a greatly over estimates the resolve of the American people and our elected officials to get the problem under control soon enough. We have a looming financial crisis. He compares this to the problems of the late 1970's. We live in a very different world now. Our debt problem is much more difficult to fix now than it was then. We can not just raise interst rates to 20% like Volker did to control inflation.
@Isnows There are many similarities to post WWI Germany. If you include our social security, Medicare, and other obligations our debt load is tremendous. Yes life will go on, but life may not go on for many. 7 million Americans starved to death during the great depression. Many will not have the financial ability to just move to another country if things get bad here.
@creolebway-Tell that to prople in Zimbabwe. They are using gold for money since their currency collapsed. Of curse that could never happen here in the USA. Or could it. It happened in Germany between WW1 & WW2. Our situation here is similar to Germany after WW1 in many ways. I really hope I am wrong about this because many will end up suffeing greatly if I am right. Sadly the suffering would be much less if people would prepare. Will they? Most just want to deny we have this problem
@daroncrass Respectfuly, I have to say: no way. We are not like Germany between the wars- millions of our people haven't died in a war, millions of our people haven't died from the Spanish Flu, and the inflation of today is nowhere near inter-war Germany's. If you're affraid of inflation, I have something to tell you: don't be. I've lived in a country where inflation was 40% a month, and you know what? Life goes on. In the worst case scenario, there's always the option of emigration.
The creation of the FED in 1913, the government outlaw & gold confiscation in the 1930’s, and getting rid of the Bretton Woods system in 1971. Since these events have occurred the value of the dollar has fallen, and the price of gold has increased at a much more rapid pace. Therefore any historical analysis of the gold price prior to 1913 will be greatly flawed. We are in serious jeopardy of a crisis. The only protection people have against this would be real assets like gold & silver.
@daroncrass this is incorrect thinking. gold siver are price assets. nothing more. not like steel that is useful. you use gold forrrrr.... what? filling a tooth? dont confuse price fluctations with VALUE of an asset.
dave. The proble with most people, Is the they spend their whole life complainig whie sitting on their rocking chair. And they dont have the guts to put out even 10%.
Dave. I sold my home in los angeles and moved to kansas in 2005, and started to invest in real bad- bad -bad- bad- fixer uppers which required not 10 or 100 or 200% effort to fix them all. Yes now own 10 pieces of real estate. and all of them are rented. with a rental income of $6000.00 per month. 7 are paid off. peace.
@FDIGUY828 Sorry, but many people I've met, really need to hear something like this. You know for some people getting out of a victim attitude and starting with really taking responsability of theyr monney, and theyr life, is a big big thing. They are used to credit cards, and shopping, or don't even heave a family who can teach them those simple and useful things. Believe me, this is simple, it maybe sounds to simple for you, but some it's not bad at all.
@FDIGUY828 Yes, it is a little hard to listen to, but I'm trying to teach those things to my sister, whos life is a little bit of a caos, because she never learned that, and it helps.
@janaherde Well good luck. I just wonder why people ASSUME that people like this will actually help you when they are here to sell information and make money for themselves.
All of these concepts are good but, there are NO specifics until you buy his stuff.
Envelope system? This is the solution to becoming poor to becoming rich? I just find it funny that people not just find their own money people instead of listening to so called 'gurus'. That is the real issue with this.
@FDIGUY828 it doesn't matter who it is, if it helps you with useful information it's ok. And why do they heave to work for free?? do you work for free??
@janaherde First of all, this person is on a media platform. He does not work for FREE. He is paid by sponsors that is generated by products that PEOPLE BUY.
Are you smart enough to get it? I personally do not like self appointed GURUS who spew things with no specifics unless you buy their books or buy into their system. I bet Dave and others like him sell books, do guest appearances, etc.
Useful? Okay, what are you talking about? Envelopes? Zero based budget? Get a job? Become rich doing this?
first of all, i have part time job that takes all my money, so how the eff am i suposed to just magicly come up with all this fucking money, and second of all, if you say snowball agiain u are effing perv
@SuperDragon6x6: well if you only have a part time job with literally no extra money to spare, then obviously you're in a losing situation. Did you really think Dave would be able to give you some magical advice that could double your income or something?
I am 15 right now, and this is how my parents are living. our house will be payed off in I think 2 years, both of our cars are payed off, and our debt is getting smaller and smaller all the time. this is how I'm going to live my life, thank you!
Thanks for the link shay. I am going to be debt free of personal debt this year. My home and investment debt a bit long but I am chipping away at it real fast. Spending less than you earn rocks.
nice job dave ramsey you have help another best family the SHAYTARDS to be able to enjoy there little a little bit more without debt. you sir are a lengend. :)
Love listening to out of debt advice. There is freedom for us. We have to move on from this borrowing mentality and get into being more of the lender.
I love it! "Don't have job, get one!!!" hahaha. Even in this economy there is no excuse to not have a job, unless your truly handicapped. My friend has a masters degree and couldn't find a job, so he applied at home depot. They told him he was "over qualified". Meaning they were afraid he would just up and leave the moment a career job opens up. News flash--- don't tell them you have a degree if you are that low in need of a job, and happen to have an education.
I'm in Dave Ramsey's FPU right now. That said, he's totally off on the Gold question. He says: "Gold has only gone up in the past 7 years" Well yeah, duh ! That's the point,; to have paid off a house in the past 5 years wasted you some 50% of your investment. Gold on the other hand, has DOUBLED your investment. With the "fiat" money we're currently printing, real money will still continue it's uptrend. Real Estate will have to go up a WHOPPING 200% just to catch up to 11/2010 levels.
@y2ktube Gold is a risk a lot like housing was. Some say it will go up others say its a bubble. Indians really like it so i don't think it will ever be worthless. Fiat seems doomed so there is a chance a government will go to a gold standard. But if the western nations start balancing their budgets then it could easily collapse. I know it funny to think the US and europe will do that, but as inflation hits and people realize what debt brings then its 50 50.
Remember "real money" In 1965, 30 ounces of gold would have bought you a new VW, but today, 30 ounces will get you a brand New Benz. $1,500 today (the price of the 1965 VW) only buys you one Benz wheel !
I used to be a fan of Dave Ramsey, but I'm glad I NEVER listened to him concerning gold and silver. I bought quite a bit of silver back when it was 15$ an ounce and the truth is...if I were to sell it all right now I could have my house completely paid for and have about 20K left over for other purposes. HOWEVER, I am not going to sell it because this is a big precious metals bull market that we are in and I'd rather pay down my house with crap depreciating dollars. Dave's gold info is wrong.
ok, how can I spend less money on FOOD, GASOLINE, ELECTRICITY, NATURAL GAS, INSURANCE, WATER/SEWER, TAXES, CLOTHING, Etc. I do eat out some like fast food places, but food is high no matter whether I go to the grocery store or if I go out (1 person) I don't spend money on frivilous stuff right now.
This sophmoric advice is waste of time you should already know what you have to do if you have a brain.1.Get out of all debt 2.rent until the house prices go down and then either pay cash for a house, owner finance, or get a 30 yr fixed low interest rate (house prices will go down significantly over next few years)3. Buy gold and silver 4. Don't buy a new car or imported junk that you dont absolutely need 5. Don't buy what this self promoting charlatan is trying to sell you.
What a self promoting charlatan this guy is. His show is boring and his financial advice is not only VERY basic, but it is very often simply wrong. Like when he called Peter Schiff and his dad idiots and kooks. Peter recommended to everyone to buy gold and silver and invest in commodities in emerging markets starting in 2006- he was way ahead of the curve while Davey boy was telling people to put all their money into the stock market and a personal savings account.HAHAHA
I'm a 19 year old college student who has no debt, and doesn't intend to get in any. What should I invest my money in, that is, how and where should I invest it?
@BJ219 Before you even invest in any vehicle please, please RESEARCH ANY VEHICLE YOU ARE INTERESTED IN! Understand what you are interested in while you keep all of your money in interest savings/CD accounts and when you get enough knowledge then invest some of that money in.
I advised you to watch Suze Orman show on Saturdays and buy investment books.
This guy has a great message he is bringing to people......but he has a big ego also....the show used to be called "The Monehy Game' but he changed it later to the "Dave Ramsey Show".....and personally.....I dont like how he pushes going to church as an answer to a problem
Shay carl's the man. I've always believed in staying away from loans despite people telling me I'm stupid for it. Glad shay showed me something so awesome to fit the way I want to live
Hm, not bad. His lessons should be advertised on national TV and billboards around USA. Just one note I'd like to add: Ignorance never is a bliss. It is a bliss for those in power who want to keep you ignorant and thus easy to manipulate. And yes, the church wasn't much different in the medieval than corporations today. That is why they devised the "Ignorance is bliss" bullshit. Step out and think on this. You have to think people, that is why you have brains!!
Dave Ramsey haters=people in debt over their heads
People hate on Dave Ramsey because they haven't hit the lottery yet and they want the easy way out. He tells the hard truth: THERE IS NO EASY WAY, YOU HAVE TO WORK AT IT.
How can you be salt and light if you're a bunch of dimwit followers of anything your idols tell you? Start thinking and stop being so stupid! Dave's a pussy and would never stand up for real truth.
@provc proven by the fact that they still support the repub party that has given us 2 mirror image recessions in a row. they are sheep to the slaughter. look at the palin sheep of the tea party. a supposent grass roots effort that get over half its money from the KOCH bros. the guys that hate obama because he expects them to clean up their polluting oil interests. Be sure to boycott brawny paper towels and dixie cups and georgia pacific products if you dont want to support the tea party
Dopey Dave's a dick. Calls Patriots "Kooks" and has no clue on Constitution, History, Economics. What a creep! You STUPID Christians! Brains are for thinkers!
if all money is created out of debt (ie) loans- if everyone in america followed this guys advice-our economy would crash- our economy depends on cyclical consumption and debt-
He's egotistical no doubt. I always say that his "stay out of/get out of debt" advice is sound, it's just everything after that. If he is truly sincere he will reevaluate that advice. His free car video is just nonsense and people who listened to his investment advice are worse off as a result. I give an example on ilogicbomb where he belittles a woman's father for pulling out of the stock market right before the crash. Thanks for the thoughtful reply.
He's a millionaire making money of suckers who buy his books and follow his financial advice. He will talk about things he knows nothing about for personal gain. He's a charlatan.
@williamsqualus His financial advice is sound. It's the same system my father and his father used. CASH ONLY! It works=NO DEBT. I was GIVEN the books by people who have used the system, and it does work. Dave didn't make a dime off me- but he helped me, my sister in law, and my boss at work. Find it at a used book store- most his stuff is on the NY best seller list.
It's NOT get Rich Quick! It's get rich Slow! 2 years ago we were 65K in debt.Now we only have 1 year left to be debt free! Bless U
@williamsqualus I have listen to Dave Ramsay for years....and I do agree he has become somewhat egotistical since his show first started....His show used to be called the "Money Game"........he changed the name to the Dave Ramsay show.....however......his advice is sound......you cant get any better advice than dont buy it if you dont have cash.....I think he is sincere in his efforts to help people
@williamsqualus he's a Christian and every single piece of advice he gives is from the bible. Of the 39 parables Jesus told, 16 of them were about money. Everyhthing he says about money comes from the bible.
Does anyone else find that TROLL TBAARR extremely annoying? Hes been posting on Dave's videos for what i know of to be more than two months strait. Dude may be good with numbers and shit...but when he looses everything from a few bad choices, (or computer glitches) he will be eating his words.
@neemguy81 the only people that dont care are losers like you that cant think outside the box or are to scared to. I reall could give a rats bum if you think I am a troll . because my theories are sound. for those who are due diligent. and not mindless spenders
@tbaarr Mindless spenders: those are the people who live off of credit because they are taught that their entire lives.
I WAS bold enough to question what I have been taught, and the resulting opinion is my own. Do you even know the feeling of having a paid off car and no debt? Its an extremely liberating experience.... dare to question what you have been taught and make it your own. "think outside the box" so to speak.
@neemguy81 ok lets see dude both my harleys are paid off my 73 mustang and my 65 and 73 el camino are paid off my 99 venture van is paid off, my 2000 tahoe owes 4k and that costs me 5% a year meanwhile the 4 k is making me 15% in the stock market yearly cause i have been doing that for 25 years and know what too look for. the bushpunk 2008 crash made me money cause i was in cash and puts by 5 aug. just like i was ythis year and mad 200 profit on each 1500 invested from 5 aug to 15 aug.
@neemguy81 now I will do something that flys in the face of you whats in it for me repubs. US bank just hit 2267 a share today it was 2080 when i bought it last week as it had devalued 20% from 24 in mid july where i sold after buying at the end of june at 22.25 and 21.80 .these facts are verified on my posted vids..now if we have the second traditional drop of the aug to oct drop period and US bank goes back to 20-21 and you buy 300 shares .you will be able to make 150-300 profit by turkey day
@neemguy81 agreed... i own my car, have no debt other then my mortgage which i am chopping down... stayin out of debt is very simple! dont spend... you cant put a pricetag on a good nights sleep.. and the best sleep is going to bed not owing anyone.
On this one Dave although i have attacked you in previous Videos, Your points are Very Very good and i think i will be using the Debt Snowball method !
@PresidentRich hey rich you obviously did not pay attention to the last recession caused by a bubble burst. ie 1988 by 1990-1991 real estate had bottomed and was
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trekker1989 1 day ago
I've never been in debt (live in Europe), but I've definitely been addicted to shopping.
I'm still learning about money, and I can say he is very right.
Minus the giving away part maybe, people should decide that themselvs
amyyyamy 5 days ago
I have ways you can save money, you can do whatever you want with it too. Watch my videos, its not a scam, I don't have the time to scam you. I just want to help. Solely, that is all.
wakemeupintwenty 2 weeks ago
funny how theres an advertisment for cash advance when im watching this video
ev1lcupcak3 2 weeks ago
The way things are today in the economy ,
this is the worst possible financial advice you can follow .
Sure , one can become a millionaire by saving almost everything he makes for the next 30 years , but when this money will only buy you a loaf of bread in the end , the only thing left to do is to shove it up Ramsey's ass !..
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88martyp 2 months ago
1 Step to Debt Settlement, call:
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aupcs 2 months ago
THere is no such thing as false hope. Fuck you ramsey!
49fortyniners 3 months ago
im watching this because of shaytards also
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wilsonkyled 3 months ago
Dave is a nice guy to share all his experience with people, show them how to become debt free. His advise is FREE on his radio show, isn't it great. Try getting advise from a attorney its at least $100/HR. Don't be jealous cause he's getting people to tune into him, cause his advise has been working....for those people who hating on Dave, why don't you go and talk to the world on your theory...
Infamous212s 4 months ago
I'm watching this because of Shaytards XD
Johannady 4 months ago 27
Dave is right about getting out of debt but when I heard he was PREACHING at RICK WARREN's church that gave me pause. Also why doesnt he tell his flock that the INCOME TAX is UNCONSTITUTIONAL?
JimBrinkley1 4 months ago
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fuck the shaytards
MrTroll652 4 months ago
Dave Ramsey is a smart man!
KevinHudoba 4 months ago
I have something that could makes you live in Financial freedom i swear its real and will let u make at least 780.000 $ a year :) pm me and we will talk THUMBS UP IF U WANNA BE SUCCESSFUL :)
abdolaahmed 4 months ago
Take your money out of the Jewish Federal Reserve banks, get out of debt and STAY out of debt (cut the parasites off), leave the US if you can, refuse to fight in Zionist wars, turn off their propaganda news channels, and boycott Hollywood (watch for free on internet). Fuck Israel
TheJewRegulator 4 months ago
Peter Schiff was right!!
crock2020 4 months ago
I'm glad I ignored this little queer's advice and bought gold. I doubled my money. Did he ever apologize to his audience?
ebonics4everyone 5 months ago
@ebonics4everyone No, I still here him say it.
Naviti7 5 months ago
@ebonics4everyone sounds like a great long term investment.. hopefully you can put your kids through college with it
Akers2010 4 months ago
Just saw the video "Dave Ramsey on Peter Schiff the Idiot and Irwin Schiff the Kook". I wonder if Ramsey has enough integrity and and humility to write Peter Schiff a letter and apologizing for being wrong. He offers good advice on personal finances, but does not seem to be very adept at global economics.
study111 5 months ago
Dave has some good points and some very bad ones as well. Take what you need from him and leave the rest. And use your common sense.
He comes across as a self-proclaimed, self-appointed guru. And haven't we all had enough of gurus the past 30 years or so? And of course, ALL the gurus are fantastically wealthy thanks to the average guy (or gal) who is hopelessly in debt with a crappy paying job.
Dave doesn't like gold? Hmm. Bad call there!
cheeriosinabowl 6 months ago
Pay attention and Listen to Dave! Here it is free, I had to pay for the class, but it was all worth it! We have paid down our debt by almost $18,000, and still a long way to go, but on the way. Not going back to using charge cards...ever! Want to be entirely debt free in 3 years...have to just stick to it. Already paid off 2 cars and paying down the credit card debt now... :))
Canary6396 7 months ago 3
@Canary6396 congratulations!!
fuschiahaze 5 months ago
dave poopoos gold and silver but never addresses that all the money (federal reserve notes) that currently exists is purely based on mountains of bad debt; if you disagree with his simplistic authoritarianism you are "hate mail"
but those are my only bones with him; he had done a world of good
brygivrob 7 months ago 2
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Majestic2050 7 months ago
Can't get out of debt if you never are the way I look at it :) this guy is smart and his idea is simple don't spend more than you make.....its not really that hard
karan6 7 months ago
i think he honestly, truly and deep in his heart wants to see people debt-free and rich but he needs to eat, too. he talks about saving money but sells optimism and hope. too many details and moving parts gets in the way of that. true, he won't save the world but that's not his job. leave the man alone.
dogfight156 8 months ago
loans are one reason why American's economy sucks
more specifically internationally sold bonds
well that is just my opinion
SoulStatement 8 months ago
"I don't care if the shirt's on sale -- Shut up. You can't buy it."
LOL. Thumbs up if you've had it and you're getting out of debt.
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simplechocolatediet 8 months ago
I'm reacher then you so... shut up
psyecg 9 months ago
@psyecg but unfortunately you are not a good speller ;-)
Stace1319 8 months ago 2
Dave Ramsey is a cook.
cashfornothing 9 months ago
@cashfornothing Do you mean a "kook"? Or do you mean a "cook", like a chef?
peacerenity 8 months ago
is it too much to want a wife, a house and maybe even 2 kids? I don't think that;s asking too much, now I know Dave Ramsey says normal is broke, by normal he means using credit cards and always living in debt, car payments, etc. keepin' up with da' Joneses! In Texas where I live we have a saying, All hat and no cattle (lookin good, but no money in the bank) I want to be normal, the right kind of normal, not the wrong kind.
ir10031981 9 months ago
People you dont have to pay your creditors back. I blew off all my credit cards and in a couple years got a FULL car loan from Capital One.
ManOfWealthnTaste 9 months ago
good news, I have a girlfriend,
bad news, loveless relationship, doesn't want to hug or kiss me in public, and barely wants to hold hands.
Sometimes I wonder what's the point in being debt free including the house when you don't live like normal, sigh*
by normal, I don't mean broke, I mean M.W.C. (Married with Children) I would say 90% of people my age have at least one kid and are married or engaged.
ir10031981 10 months ago
here's my story, I've been working odd jobs since I got out of high school, saving up to buy a home , living on rice and beans, living frugal, sure I have enough to buy a foreclosure home and I've trusted my dad with $36,000 that I have in the bank to buy a house when he and his friend find one, but unfortunately for me, even though I've lived debt free, I've suffered loneliness, I'm 29 and I have yet to settle down, marry, and have a child/children, just one will do with me
ir10031981 10 months ago
hey Dave, you are a faith based god loving person, so here are questions for you: what do you do when god is an asshole to you? when he fucks you every day for life? when you do all the right things and get nowhere? well, thats not true, i got further behind, thats somewhere i guess. good for you if you love god, but you should know he plays favorites, and if i ever met him i would spit in his face, kick him in the balls, and slice his throat. he is the pig of pigs in my book. FUJC!!!!!
eatpigsnot 10 months ago
see peter schriffs amazing rebuttal to this bafoon Dave Ramsey
the only sensible thing Dave says is cut the credit cards up if you don't have an income to not carry a balance.
bottle2lip 10 months ago
Dave Ramsey greatly under estimates the extent of the U.S debt problem, a greatly over estimates the resolve of the American people and our elected officials to get the problem under control soon enough. We have a looming financial crisis. He compares this to the problems of the late 1970's. We live in a very different world now. Our debt problem is much more difficult to fix now than it was then. We can not just raise interst rates to 20% like Volker did to control inflation.
daroncrass 10 months ago
@Isnows There are many similarities to post WWI Germany. If you include our social security, Medicare, and other obligations our debt load is tremendous. Yes life will go on, but life may not go on for many. 7 million Americans starved to death during the great depression. Many will not have the financial ability to just move to another country if things get bad here.
daroncrass 10 months ago
He asking us poor mother f----- to buy his book so he gets rich. Like suzie Orman. ...((
We poor folk darn it!!! :D
yogashot 10 months ago
@yogashot Just get it from a library.
redlightmax 5 months ago
@creolebway-Tell that to prople in Zimbabwe. They are using gold for money since their currency collapsed. Of curse that could never happen here in the USA. Or could it. It happened in Germany between WW1 & WW2. Our situation here is similar to Germany after WW1 in many ways. I really hope I am wrong about this because many will end up suffeing greatly if I am right. Sadly the suffering would be much less if people would prepare. Will they? Most just want to deny we have this problem
daroncrass 10 months ago
@daroncrass Respectfuly, I have to say: no way. We are not like Germany between the wars- millions of our people haven't died in a war, millions of our people haven't died from the Spanish Flu, and the inflation of today is nowhere near inter-war Germany's. If you're affraid of inflation, I have something to tell you: don't be. I've lived in a country where inflation was 40% a month, and you know what? Life goes on. In the worst case scenario, there's always the option of emigration.
lsnows 10 months ago
The creation of the FED in 1913, the government outlaw & gold confiscation in the 1930’s, and getting rid of the Bretton Woods system in 1971. Since these events have occurred the value of the dollar has fallen, and the price of gold has increased at a much more rapid pace. Therefore any historical analysis of the gold price prior to 1913 will be greatly flawed. We are in serious jeopardy of a crisis. The only protection people have against this would be real assets like gold & silver.
daroncrass 10 months ago
@daroncrass this is incorrect thinking. gold siver are price assets. nothing more. not like steel that is useful. you use gold forrrrr.... what? filling a tooth? dont confuse price fluctations with VALUE of an asset.
Creolebway 10 months ago
It makes so much sense to avoid debt. Why have we as a culture become so addicted to debt and blind to its effects?
GotCommonCents 11 months ago
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altonjjones 11 months ago
dave. The proble with most people, Is the they spend their whole life complainig whie sitting on their rocking chair. And they dont have the guts to put out even 10%.
Dave. I sold my home in los angeles and moved to kansas in 2005, and started to invest in real bad- bad -bad- bad- fixer uppers which required not 10 or 100 or 200% effort to fix them all. Yes now own 10 pieces of real estate. and all of them are rented. with a rental income of $6000.00 per month. 7 are paid off. peace.
Multicasas 11 months ago
Tell me, is this guy for real? He tells you absolutely nothing.
Envelopes? Baby emergency fund? Debt snow ball? This guy sounds like Rush.
He needs to go on a diet and either get hair plugs or shave his dumb head.
Kids college? Pay off your house early? This guy says nothing.
Class? Okay, tell me what class in America tells you how to do this?
This is like going to a doctor to get healthy. JOKE.
Live events. Help is available if you pay this guy.
Change? RAH RAH speech. Nice job. Talk fast.
FDIGUY828 11 months ago
@FDIGUY828 Sorry, but many people I've met, really need to hear something like this. You know for some people getting out of a victim attitude and starting with really taking responsability of theyr monney, and theyr life, is a big big thing. They are used to credit cards, and shopping, or don't even heave a family who can teach them those simple and useful things. Believe me, this is simple, it maybe sounds to simple for you, but some it's not bad at all.
janaherde 11 months ago
@janaherde I understand the concept. The problem is that this simple information is like just saying 'JUST DO IT'.
I just feel this guy is selling information. The banks and wall street are crooks but, I find it funny that people in the media, to trust.
Seriously, the media? Who is this guy?
No cheating?
I just find this guy to be too much of a blow hard to listen to.
If you listen to him, good luck.
I already have a money man who is not all hype. He does not need to go on the radio to market.
FDIGUY828 11 months ago
@FDIGUY828 Yes, it is a little hard to listen to, but I'm trying to teach those things to my sister, whos life is a little bit of a caos, because she never learned that, and it helps.
janaherde 11 months ago
@janaherde Well good luck. I just wonder why people ASSUME that people like this will actually help you when they are here to sell information and make money for themselves.
All of these concepts are good but, there are NO specifics until you buy his stuff.
Envelope system? This is the solution to becoming poor to becoming rich? I just find it funny that people not just find their own money people instead of listening to so called 'gurus'. That is the real issue with this.
FDIGUY828 11 months ago
@FDIGUY828 it doesn't matter who it is, if it helps you with useful information it's ok. And why do they heave to work for free?? do you work for free??
janaherde 11 months ago
@janaherde First of all, this person is on a media platform. He does not work for FREE. He is paid by sponsors that is generated by products that PEOPLE BUY.
Are you smart enough to get it? I personally do not like self appointed GURUS who spew things with no specifics unless you buy their books or buy into their system. I bet Dave and others like him sell books, do guest appearances, etc.
Useful? Okay, what are you talking about? Envelopes? Zero based budget? Get a job? Become rich doing this?
FDIGUY828 11 months ago
first of all, i have part time job that takes all my money, so how the eff am i suposed to just magicly come up with all this fucking money, and second of all, if you say snowball agiain u are effing perv
SuperDragon6x6 11 months ago
@SuperDragon6x6: well if you only have a part time job with literally no extra money to spare, then obviously you're in a losing situation. Did you really think Dave would be able to give you some magical advice that could double your income or something?
jtlbb2 11 months ago
Yeah, you can make money off of the suffering of others and pretending that your word is scripture.
birdbath318 11 months ago
Go kill your self your a fucking get rich quick fuck tard!
2690Billy 11 months ago
@2690Billy Why would a "get rich quick" scheme's last step be to GIVE a bunch of your wealth away?
mrzim6313 11 months ago
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vid012 11 months ago
instant-money-freedom . com/index.html
vid012 11 months ago
I am 15 right now, and this is how my parents are living. our house will be payed off in I think 2 years, both of our cars are payed off, and our debt is getting smaller and smaller all the time. this is how I'm going to live my life, thank you!
mrsecretagentalex 11 months ago
haha "shutup, you can't buy it!"
abalcom23 11 months ago
ShayCarl brought me here too...
FlyLady13 1 year ago 2
SHAY CARL SENT ME!!!
ariiiiigold 1 year ago 4
shaycarl brought me here.
I think you're cute!
murd777 1 year ago 3
Thanks for the link shay. I am going to be debt free of personal debt this year. My home and investment debt a bit long but I am chipping away at it real fast. Spending less than you earn rocks.
82snowball 1 year ago 2
AHAHHAH i love how the shay tards brought as all here
dailycondiments 1 year ago 3
Shaytards FTW!!
TheJeanJoseph13 1 year ago 2
that.. was.. beautiful
glennsibz 1 year ago
I don't care if it's on sale, shut up - you can't buy it.
ROFL.
als1428 1 year ago 2
shay terds were right loll
clockempopem 1 year ago
ShayTards were right. You are cool.
knoose 1 year ago
Debt Free baby!!! BOOOYAHHH! lol
kern0099 1 year ago
shay carl?
humantestdummy 1 year ago
@anuj900 I would sure love to know
P0mbum 1 year ago
Shaytards!!
XCookieXlovesXyouX 1 year ago 9
shaytards!
danielgirotto 1 year ago 8
Shaytards ftw !!
LiveLifesLegacy 1 year ago 7
nice job dave ramsey you have help another best family the SHAYTARDS to be able to enjoy there little a little bit more without debt. you sir are a lengend. :)
InkByHeart 1 year ago 2
Wo ho no
h5y 1 year ago
WE'RE DEBT FREE!
stride7860 1 year ago 5
shaytards <3
ausparallen 1 year ago 30
Shaytards are debt free!!!
You know you're happy for them =)
Albanianator 1 year ago 53
He did file bankruptcy but he repaid all of his creditors!
eagerpainter 1 year ago
Hey Whitehouse, he did file but paid back all of his creditors
eagerpainter 1 year ago
I killed my cable bill. I got Netflix and use Hulu.com. I saved $70/month.
Vernonu9 1 year ago
"If you don't have a job, get one!" No! No! Anything but that!
tigranvartanovitch 1 year ago
Dave filed Bankruptcy
WHITEHOUSE1600DC 1 year ago
I love his steps so much
rush7777me7777 1 year ago
Love listening to out of debt advice. There is freedom for us. We have to move on from this borrowing mentality and get into being more of the lender.
TheLightcatcher 1 year ago
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DesgWamrt 1 year ago
I love it! "Don't have job, get one!!!" hahaha. Even in this economy there is no excuse to not have a job, unless your truly handicapped. My friend has a masters degree and couldn't find a job, so he applied at home depot. They told him he was "over qualified". Meaning they were afraid he would just up and leave the moment a career job opens up. News flash--- don't tell them you have a degree if you are that low in need of a job, and happen to have an education.
mine1username 1 year ago
I'm in Dave Ramsey's FPU right now. That said, he's totally off on the Gold question. He says: "Gold has only gone up in the past 7 years" Well yeah, duh ! That's the point,; to have paid off a house in the past 5 years wasted you some 50% of your investment. Gold on the other hand, has DOUBLED your investment. With the "fiat" money we're currently printing, real money will still continue it's uptrend. Real Estate will have to go up a WHOPPING 200% just to catch up to 11/2010 levels.
y2ktube 1 year ago
@y2ktube Gold is a risk a lot like housing was. Some say it will go up others say its a bubble. Indians really like it so i don't think it will ever be worthless. Fiat seems doomed so there is a chance a government will go to a gold standard. But if the western nations start balancing their budgets then it could easily collapse. I know it funny to think the US and europe will do that, but as inflation hits and people realize what debt brings then its 50 50.
Paladin1warrior 1 year ago
Remember "real money" In 1965, 30 ounces of gold would have bought you a new VW, but today, 30 ounces will get you a brand New Benz. $1,500 today (the price of the 1965 VW) only buys you one Benz wheel !
y2ktube 1 year ago
No one ever lost money underestimating the stupidity of the american people. He has gotten rich off the stipidity of americans.
steelfitter50 1 year ago
To get some solid facts on what's going on in America and elsewhere I like these You Tubes: Peter Schiff, his are all good watch them all if you can.
Dr. Albert Bartlett, Titled: The Most Important Video You Will Ever See.
National Inflation Association, Titled: Meltup, and another one, Japan: Americas lost decade.
One last one that I just found is: Why Are We In So Much Debt. Very good info but a little slow for me. Have fun and God Bless!
biospharms 1 year ago
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I used to be a fan of Dave Ramsey, but I'm glad I NEVER listened to him concerning gold and silver. I bought quite a bit of silver back when it was 15$ an ounce and the truth is...if I were to sell it all right now I could have my house completely paid for and have about 20K left over for other purposes. HOWEVER, I am not going to sell it because this is a big precious metals bull market that we are in and I'd rather pay down my house with crap depreciating dollars. Dave's gold info is wrong.
shailston 1 year ago
ok, how can I spend less money on FOOD, GASOLINE, ELECTRICITY, NATURAL GAS, INSURANCE, WATER/SEWER, TAXES, CLOTHING, Etc. I do eat out some like fast food places, but food is high no matter whether I go to the grocery store or if I go out (1 person) I don't spend money on frivilous stuff right now.
ricknicklesarts 1 year ago
Ramsey is a complete Idiot on Gold.
wakeupsheople 1 year ago
WANT TO RICH? LEARN HOW TO SAVE STOP SPENDING ON NECESSARY STUFFS..
EDEBOYZ 1 year ago
This guy is a crook I went to an accountant referred by him, paid 1700. and never received anything, He is a snake root salesman.
AmericanMale1953 1 year ago
Good advice.
Fersomling 1 year ago
This sophmoric advice is waste of time you should already know what you have to do if you have a brain.1.Get out of all debt 2.rent until the house prices go down and then either pay cash for a house, owner finance, or get a 30 yr fixed low interest rate (house prices will go down significantly over next few years)3. Buy gold and silver 4. Don't buy a new car or imported junk that you dont absolutely need 5. Don't buy what this self promoting charlatan is trying to sell you.
pastawasspaghetti 1 year ago
What a self promoting charlatan this guy is. His show is boring and his financial advice is not only VERY basic, but it is very often simply wrong. Like when he called Peter Schiff and his dad idiots and kooks. Peter recommended to everyone to buy gold and silver and invest in commodities in emerging markets starting in 2006- he was way ahead of the curve while Davey boy was telling people to put all their money into the stock market and a personal savings account.HAHAHA
pastawasspaghetti 1 year ago
I'm a 19 year old college student who has no debt, and doesn't intend to get in any. What should I invest my money in, that is, how and where should I invest it?
BJ219 1 year ago
@BJ219 Before you even invest in any vehicle please, please RESEARCH ANY VEHICLE YOU ARE INTERESTED IN! Understand what you are interested in while you keep all of your money in interest savings/CD accounts and when you get enough knowledge then invest some of that money in.
I advised you to watch Suze Orman show on Saturdays and buy investment books.
Greatersend 1 year ago
@BJ219 In addition...Money market funds are good...less risky.
Greatersend 1 year ago
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i getted a gang of niggers to cum on dave's children.
beatles654321 1 year ago
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beatles654321 1 year ago
shay carl recommended u
bigkev000 1 year ago
Eagle Brook Church is always pushing this guy. The staff must have stock in him.
wijaku 1 year ago
This guy has a great message he is bringing to people......but he has a big ego also....the show used to be called "The Monehy Game' but he changed it later to the "Dave Ramsey Show".....and personally.....I dont like how he pushes going to church as an answer to a problem
Jacobrester 1 year ago
@Jacobrester Then what's the point of you being here and commenting? No one's forcing you to watch this....
Bookwirm 1 year ago
@Bookwirm Just go to church and donate your money ....oh and send some to Dave for his common sense advice
Jacobrester 1 year ago
@Jacobrester I haven't been in church for over 5 years but thanks for assuming I'm a bible beater.
Bookwirm 1 year ago
shay brought me here and i will stay here. this man is simple and right i have cut my cc.
SuntzuMocro 1 year ago 2
Shaytards brought me here!!
beanstravels2 1 year ago
yeah
oscarisacooltool 1 year ago
Shay me trajo aqui!
if133573 1 year ago
shayyyyyyy!!!!!!!!!!!!!
ilovejesselaceytrue 1 year ago 3
hahahahah "shut up you cant buy it!" I should totally record that and play it back to my friends whenever they get stupid with their money.
Archlvt 1 year ago 3
Shay carl's the man. I've always believed in staying away from loans despite people telling me I'm stupid for it. Glad shay showed me something so awesome to fit the way I want to live
Archlvt 1 year ago
shay shay shay shay sent me
J0EYRAM0S 1 year ago
Yo Ramsey you need to give a shout out to Shay Carl, he sent me here, LOVE U SHAY!!!
Chemorneez 1 year ago 3
SHAYCARL SENT ME AHAHAHAH!!!!!
I'm not yelling ahahhahahah
BubblyBabe225 1 year ago 3
shay sent me!
darlindee07 1 year ago
@provc y r u so against christans?
6MonthMebership 1 year ago
SHAYTARDS BOUGHT ME HEREE!!!!!!
JesBlazed1 1 year ago 203
@JesBlazed1 GAYYYYYYYYYYYYYY GET A LIFE FAGGOT
TomBean21 1 year ago
@JesBlazed1 Same here!
hat72 1 year ago
Shay Carl ?
xiPMC 1 year ago 194
@xiPMC HAHA, nice. Yep.
knoose 1 year ago
give it away lol
Caeseur 1 year ago
Hm, not bad. His lessons should be advertised on national TV and billboards around USA. Just one note I'd like to add: Ignorance never is a bliss. It is a bliss for those in power who want to keep you ignorant and thus easy to manipulate. And yes, the church wasn't much different in the medieval than corporations today. That is why they devised the "Ignorance is bliss" bullshit. Step out and think on this. You have to think people, that is why you have brains!!
prozrachno 1 year ago
Dave Ramsey haters=people in debt over their heads
People hate on Dave Ramsey because they haven't hit the lottery yet and they want the easy way out. He tells the hard truth: THERE IS NO EASY WAY, YOU HAVE TO WORK AT IT.
icatchlife 1 year ago
@icatchlife correctly managed debt makes a profit dude. or do you forget your babybush boys words form 2003. use your credit ,stimulate our economy.
tbaarr 1 year ago
How can you be salt and light if you're a bunch of dimwit followers of anything your idols tell you? Start thinking and stop being so stupid! Dave's a pussy and would never stand up for real truth.
provc 1 year ago
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Christians are stupid!
provc 1 year ago
@provc proven by the fact that they still support the repub party that has given us 2 mirror image recessions in a row. they are sheep to the slaughter. look at the palin sheep of the tea party. a supposent grass roots effort that get over half its money from the KOCH bros. the guys that hate obama because he expects them to clean up their polluting oil interests. Be sure to boycott brawny paper towels and dixie cups and georgia pacific products if you dont want to support the tea party
tbaarr 1 year ago
Dopey Dave's a dick. Calls Patriots "Kooks" and has no clue on Constitution, History, Economics. What a creep! You STUPID Christians! Brains are for thinkers!
provc 1 year ago
Take this guy's idiotic advice and you WILL be poorer. Anyone who calls gold "dumb" is dumb, and is not very educated in monetary history as well.
gigie555 1 year ago
if all money is created out of debt (ie) loans- if everyone in america followed this guys advice-our economy would crash- our economy depends on cyclical consumption and debt-
Beanmaster73 1 year ago
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williamsqualus 1 year ago
He's egotistical no doubt. I always say that his "stay out of/get out of debt" advice is sound, it's just everything after that. If he is truly sincere he will reevaluate that advice. His free car video is just nonsense and people who listened to his investment advice are worse off as a result. I give an example on ilogicbomb where he belittles a woman's father for pulling out of the stock market right before the crash. Thanks for the thoughtful reply.
williamsqualus 1 year ago
He's a millionaire making money of suckers who buy his books and follow his financial advice. He will talk about things he knows nothing about for personal gain. He's a charlatan.
williamsqualus 1 year ago
@williamsqualus His financial advice is sound. It's the same system my father and his father used. CASH ONLY! It works=NO DEBT. I was GIVEN the books by people who have used the system, and it does work. Dave didn't make a dime off me- but he helped me, my sister in law, and my boss at work. Find it at a used book store- most his stuff is on the NY best seller list.
It's NOT get Rich Quick! It's get rich Slow! 2 years ago we were 65K in debt.Now we only have 1 year left to be debt free! Bless U
MrOverdoser 1 year ago
@williamsqualus I have listen to Dave Ramsay for years....and I do agree he has become somewhat egotistical since his show first started....His show used to be called the "Money Game"........he changed the name to the Dave Ramsay show.....however......his advice is sound......you cant get any better advice than dont buy it if you dont have cash.....I think he is sincere in his efforts to help people
Jacobrester 1 year ago
@williamsqualus he's a Christian and every single piece of advice he gives is from the bible. Of the 39 parables Jesus told, 16 of them were about money. Everyhthing he says about money comes from the bible.
ajd1211 1 year ago
@williamsqualus come on bro, wake up man, you are better than this.
mycaddigo 1 year ago
@mycaddigo Meaning what exactly? Did you look at the ilogicbomb article on him? The numbers are all right there....
williamsqualus 1 year ago
@williamsqualus I can tell hes speaking hte truth just by watching people like you get your panties in a knot over him.
mycaddigo 1 year ago
Does anyone else find that TROLL TBAARR extremely annoying? Hes been posting on Dave's videos for what i know of to be more than two months strait. Dude may be good with numbers and shit...but when he looses everything from a few bad choices, (or computer glitches) he will be eating his words.
HEY TBAARR, NOBODY CARES AND STOP POSTING HERE.
neemguy81 1 year ago
@neemguy81 the only people that dont care are losers like you that cant think outside the box or are to scared to. I reall could give a rats bum if you think I am a troll . because my theories are sound. for those who are due diligent. and not mindless spenders
tbaarr 1 year ago
@tbaarr Mindless spenders: those are the people who live off of credit because they are taught that their entire lives.
I WAS bold enough to question what I have been taught, and the resulting opinion is my own. Do you even know the feeling of having a paid off car and no debt? Its an extremely liberating experience.... dare to question what you have been taught and make it your own. "think outside the box" so to speak.
neemguy81 1 year ago
@neemguy81 ok lets see dude both my harleys are paid off my 73 mustang and my 65 and 73 el camino are paid off my 99 venture van is paid off, my 2000 tahoe owes 4k and that costs me 5% a year meanwhile the 4 k is making me 15% in the stock market yearly cause i have been doing that for 25 years and know what too look for. the bushpunk 2008 crash made me money cause i was in cash and puts by 5 aug. just like i was ythis year and mad 200 profit on each 1500 invested from 5 aug to 15 aug.
tbaarr 1 year ago
@neemguy81 now I will do something that flys in the face of you whats in it for me repubs. US bank just hit 2267 a share today it was 2080 when i bought it last week as it had devalued 20% from 24 in mid july where i sold after buying at the end of june at 22.25 and 21.80 .these facts are verified on my posted vids..now if we have the second traditional drop of the aug to oct drop period and US bank goes back to 20-21 and you buy 300 shares .you will be able to make 150-300 profit by turkey day
tbaarr 1 year ago
@neemguy81 agreed... i own my car, have no debt other then my mortgage which i am chopping down... stayin out of debt is very simple! dont spend... you cant put a pricetag on a good nights sleep.. and the best sleep is going to bed not owing anyone.
1978mackdaddy 1 year ago 3
fuck that i am taking the fpu class it's going very very well
kerncounty14 1 year ago
On this one Dave although i have attacked you in previous Videos, Your points are Very Very good and i think i will be using the Debt Snowball method !
AirLockBelsen 1 year ago
This guy tells you to invest in real estate instead of gold. He's nothing more than a moron.
PresidentRich 1 year ago
@PresidentRich hey rich you obviously did not pay attention to the last recession caused by a bubble burst. ie 1988 by 1990-1991 real estate had bottomed and was