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If you listen to this guy?
You'll always be poor.
Wealth is a mindset.
No matter how much money you accumulate.
Budgeting is great!
But money managing is more important.
Learn to use debt to your advantage and learn to invest properly.
And most of all, take care of yourself not your family tree.
And more important…. live your life, rich or poor!!!!
Two years ago, I was staring at a negative bank balance wondering how I let groceries put me in overdraft. I thought budgeting meant misery, but finding a practical framework changed everything. Massive thanks to Simon L. Heater for breaking it down without the fluff and teaching me how to actually keep what I earn. Life-changing shift.
If I just stop buying guitars ever month I should be ok
I’m stunned by how much sense this makes now!
"A budget is permission to spend" I love that
Calling a budget permission to spend instead of a restriction completely changed how I look at it. That mindset makes sticking to one feel much more realistic
Just realized how much I waste on eating out and food, so I'm here trying to figure out a budget. Thanks Dave, this is super helpful!
💯
This channel helped me to get educated on things I never learned in school or in the hood.
Thank you Dave Ramsey
I’m genuinely thrilled I watched this!
I just got out of 14k credit card / car note debt it took me 1 year from Jan 2025 to feb 2026 only making 60k a year before taxes living alone & Single 🙏🏽💪🏽💪🏽💰
This question, and the answer, is perfectly applicable to my family's situation 😀 Thank you.
I came in clueless and left feeling like a professor.
I’m stunned by how much sense this makes now!
Very clear explanation. Thanks for the video.
best things to do is Stop with the luxury's. You dont need subscription, netflix, youtube, spotifys…
You dont need a car. Live closer to work walk and deliver grocerys. You dont need fast food or restaurents make meal preps at home. Those are the biggest problems.
My car is a old car i'm selling and will save 700$ a month only on that because i'm moving this weekend 1km from work. So i can walk in 15min.
Your app isn’t for free.
Dave… Im 74 on a limited income of a pension and social security with debt of loans and credit cards also still paying a mortgage. What plan should I use to get rid of my debt? Should I take out an equity loan and pay down the loans and cards? I need advice!!!
We paid off our last credit card on New Year's Eve, so we're going into 2026 credit card free! This year we plan to pay off our truck, which is our last debt (other than our mortgage), and then we are never going back!!!
I’m completely energized to try this now!
Rly useful ⭐️⭐️⭐️⭐️⭐️🖖🖖🖖🖖🖖🫴🫴🫴
I pooped myself🎉🎉🎉🎉🎉🎉🎉😆😆😆😘
I understood this so fast I need a moment to process my new identity.
Really enjoyed your storytelling.
Instant classic.
Can’t believe I gotta watch videos like this so the internet Censorship monster doesn’t get me
Thank you Dave and Crew, I’m 70, and just Now sticking to a budget! I’ve went through FPU, Money Matters by Andy Stanley, but Jade’s book Moneys Not A Math Problem & Dr John Deloneys book Own Your Past Change Your Future Opened my eyes and brought so many childhood, young adult & adult crap choices to light! Thank you for Always being TRANSPARENT & telling the truth in love!
I won’t die a millionaire, but I will die debt free, I have my NOK box, Living will taken care of!
$50 is equivalent to R900 in South Africa, I can't waste that on entertainment… That's a lot of money.
Dave Show… Curious, what are your thoughts on Life Insurance or Whole Life insurance for a teenager? Hence, no health questions involved; just a simple 50k (27.00/month) to set up their own insurance to get started? To take care of their future family or sorts. Thoughts?
ok
ok
ok
ok
ok
very reasonable ❤
Without self control all the planning and effort is wasted.
"No one has infinite money"
really enjoyed this video, it’s got some great tips! however, I’ve gotta say, while budgeting is super important, I feel like it can be a bit restrictive for some people. sometimes life throws unexpected expenses our way, and sticking to a strict budget might just make things more stressful. what do you think?
My wife and I have completely different views on a budget – I want to draw one up and stick to it, she says she will not miss out on things because of financial limits and will spend on extras if she wants to.
Budgeting isn't about restriction, it's about intentionality – deciding where your money goes instead of wondering where it went. Seeing so many people find freedom through this is inspiring!
Very instructive
👍👍👍
Hi Dave, my husband and I met you at an event in Las Vegas in May of 2022. You signed our FPU graduation certificate from when we graduated in 2014. I'm incredibly discouraged BUT I'm here and committing to get back to basics/the Baby Steps. Thanks for helping us and our family of 3!
My kids are learning personal finance, and they got super excited to learn mom and dad are onto baby steps 5&6. I found their excitement super encouraging. I think one of the best gifts you can give your kids is not having debt, and a financially stable future.
Im so glad I came to YouTube Ramsay – he's so much nicer than Tik Tok Ramsay! 😂 ❤
hank God for YouTube. Dave Ramsey is teaching financial discipline to the whole world. Thanks from Kenya.
Why are there 310 comments and only 38 showing? May I suggest that most people here are saying there's not enough money in our hands to start anymore and they've been deleted to improve the narrative. Am I wrong?