Dave Ramsey

[hallett21]

AJ-Comedy on Instagram: "This guy was in DEEP trouble - @daveramsey showed him the way 🚗💃💴 #daveramsey #daveramseybabysteps #daveramseybudget #moneysaver #moneyhacks #impression #impressions #comedy #parody #impersonation #impersonator"

6,702 likes, 180 comments - AJ-Comedy (@amikozak_official) on Instagram: "This guy was in DEEP trouble - @daveramsey showed him the way 🚗💃💴 #daveramsey #daverams..."

www.instagram.com

 

[MARCYTECH]

Dave Ramsey is the kinda guy that might have a cult soon with a bunch of starving and unhappy people driving around in 87 Hondas claiming they’re millionaires.

 

[cofooter]

Dave Ramsey is the kinda guy that might have a cult soon with a bunch of starving and unhappy people driving around in 87 Hondas claiming they’re millionaires.

Already does........ Its called the FUN HATER's

 

[LargeOrangeFont]

That’s Amazing

 

[OldSchoolBoats]

I have had several people that could have bought houses but chose not to because they couldn't qualify for a 15 year fixed mortgage. They couldn't understand the concept of taking the 30 year loan, that they qualified for, and making extra payments to pay it off. Probably still renting.

 

[hallett21]

I have had several people that could have bought houses but chose not to because they couldn't qualify for a 15 year fixed mortgage. They couldn't understand the concept of taking the 30 year loan, that they qualified for, and making extra payments to pay it off. Probably still renting.

That’s crazy lol

 

[evantwheeler]

I have had several people that could have bought houses but chose not to because they couldn't qualify for a 15 year fixed mortgage. They couldn't understand the concept of taking the 30 year loan, that they qualified for, and making extra payments to pay it off. Probably still renting.

I'd wager he has helped more folks than he's hurt.....

 

[OldSchoolBoats]

I'd wager he has helped more folks than he's hurt.....

I am sure he has, not discounting that.

 

[Xtrmwakeboarder]

I'd wager he has helped more folks than he's hurt.....

100% His advice is relevant to 90% of Americans that have zero financial acumen. The things people do blow my mind.

That said. Video is hilarious.

 

[Done-it-again]

I'd wager he has helped more folks than he's hurt.....

Who? its not rocket science to save money and live within your means... Now if he was showing people how to leverage debt to buy property and make wealth, then I would be all over that, as that is something to learn..

 

[LargeOrangeFont]

I have had several people that could have bought houses but chose not to because they couldn't qualify for a 15 year fixed mortgage. They couldn't understand the concept of taking the 30 year loan, that they qualified for, and making extra payments to pay it off. Probably still renting.

Hat holders.

 

[evantwheeler]

Well, he helped me in my 20's for sure. I got tired of his preaching and delivery approach but the habits learned and created laid the foundation for where I am today. Its far below where many on this site are, but far above where I could have been if not for some of Dave's help. His program really helped my cousin and his family get a grip on their finances as well. I agree with you, its not rocket science saving money and living with your means, but I think the thing with any program is keeping it present in your mind until its second nature.

 

[LargeOrangeFont]

Who? its not rocket science to save money and live within your means... Now if he was showing people how to leverage debt to buy property and make wealth, then I would be all over that, as that is something to learn..

Well.. all those people in 2008 sure couldn’t figure it out.

His strategy is risk averse and protecting principle and savings at all costs. Which is what the majority of the population should do. It’s a financial stability strategy, not a wealth building one.

 

[Your ad here]

I have had several people that could have bought houses but chose not to because they couldn't qualify for a 15 year fixed mortgage. They couldn't understand the concept of taking the 30 year loan, that they qualified for, and making extra payments to pay it off. Probably still renting.

I know people that are still renting because the market is going to crash and they're going to just steal whatever house they get when the crash happens. Some have been saying this for 10 years while paying about $1600 - $2200 a month rent. I bought my house 4 years ago... if I sell today it has paid me $1000 a month to live in it, its paid me. In the event I break even, I lived rent free and everyone needs a place to live...

 

[Motor Boater]

I like Dave, I do kind of a modified version of his teachings. He is really set up for people that have no idea how to handle money. His idea of getting rid of credit cards, building a security fund, etc are great

 

[WTR&PWR]

“Now go fill that trunk with good growth stock mutual funds!”

 

[TimeBandit]

Ol' Dave would fit right in here, pays cash for his lake house, jet skis, boats and F150!

Not to mention his mansion and the building where his business is based.

Helping broke people gained him baller status, a preachy baller, but a baller.

 

[rrrr]

100% His advice is relevant to 90% of Americans that have zero financial acumen. The things people do blow my mind.

That said. Video is hilarious.

The average personal credit cardholder debt in America is around $7,300. Think about paying 24.99% on that. It'll never go away for most people unless they declare bankruptcy or the Democrats pass legislation to pay it for them.

2025 Credit Card Debt Statistics | LendingTree

Americans’ total credit card balance is $1.166 trillion in the third quarter of 2024, according to the latest data from the Federal Reserve Bank of New York.

www.lendingtree.com

 

[farmo83]

I agree with a lot of his stuff. I also agree that his teachings are for people with no financial acumen.

His strategy also involves little to no risk which equates yo little or no return.

 

[C-Ya]

In the 80’s and 90’s, there was a guy a on Southern California radio stations that was a milder version of Dave Ramsey. His name was Bruce Williams. He gave great advice. Anybody remember him?

 

[PlanB]

The average personal credit cardholder debt in America is around $7,300. Think about paying 24.99% on that. It'll never go away for most people unless they declare bankruptcy or the Democrats pass legislation to pay it for them.

2025 Credit Card Debt Statistics | LendingTree

Americans’ total credit card balance is $1.166 trillion in the third quarter of 2024, according to the latest data from the Federal Reserve Bank of New York.

www.lendingtree.com

CC debt is a killer for a lot. We only use AmEx that gets paid in full monthly.

 

[farmo83]

Also if you ever want to feel better about yourself. Listen to some of his callers.

 

[Ace in the Hole]

Already does........ Its called the FUN HATER's

Dave is for financial illiterates..... He's a book salesman who spins his own personal story of bankruptcy... Cannot stand some of the shit (aka bad advice) he spews. Grant pinned him pretty well.

 

[Sharky]

All this time I have used a bag of lime for dead hookers.

Using Febreze is going to save me a fortune!!!!

 

[Looking Glass]

Dave is for financial illiterates..... He's a book salesman who spins his own personal story of bankruptcy... Cannot stand some of the shit (aka bad advice) he spews. Grant pinned him pretty well.

The Day I stopped listening to him was when he went on a "Rant" about Tipping. He virtually had a Breakdown, talking Shit about people who eat out and do not leave a 20%+ Tip. He went on to say if you Don't/Can't= Stay Home. This "Tipping" Shit has gotten out of hand and now when using a Card, it is on the Machine, almost pressuring you into a Tip, no matter if it is a Sit-Down place or a Fast Food Joint. I was raised that you Tip for Good Service, ETC. not just because it is Expected.

 

[rrrr]

CC debt is a killer for a lot. We only use AmEx that gets paid in full monthly.

I haven't had a credit card balance for decades.

I can't wrap my head around spending thousands of dollars for crap and paying 25% interest on the debt. When I was in my 20s, I had friends whose apartments were newly furnished and decorated with stuff on every flat surface and wall. They went out to eat and took vacations. They weren't making any more money than I was, so it was obvious their lifestyle was provided by debt.

I would not be surprised to discover some of those people have carried significant CC debt from that time until today.

 

[PlanB]

I haven't had a credit card balance for decades.

I can't wrap my head around spending thousands of dollars for crap and paying 25% interest on the debt. When I was in my 20s, I had friends whose apartments were newly furnished and decorated with stuff on every flat surface and wall. They took went out to eat and took vacations. They weren't making any more money than I was, so it was obvious their lifestyle was provided by debt.

I would not be surprised to discover some of those people have carried significant CC debt from that time until today.

People are way too comfortable carrying CC debt with high interest rates. I don't get it.

 

[rrrr]

Dave is for financial illiterates.....

He should have a wide audience.

It’s no secret that the majority of Americans are living paycheck to paycheck. What may be more alarming to learn, however, is that nearly half of Americans have less than $500 in savings — with almost 18% having nothing. This most recent data comes from a GOBankingRates survey of over 1,000 adult Americans regarding various current financial concerns.

With less than $500 in savings, most respondents would not be able to cover even relatively small emergency expenses, which puts them at risk of going into debt.

Nearly Half of Americans Have Less Than $500 in Savings — Here’s How You Can Beat That Trend

It's no secret that the majority of Americans are living paycheck to paycheck. What may be more alarming to learn, however, is that nearly half of Americans have less than $500 in savings -- with...

www.yahoo.com

 

[CLdrinker]

Also if you ever want to feel better about yourself. Listen to some of his callers.

Hi Dave, I’m 1 million in debt have an underwater basket weaving degree and I make $12hr how do I get it out of debt?

 

[DRYHEAT]

Also if you ever want to feel better about yourself. Listen to some of his callers.

Some of my favorite calls

“ Dave we have a household income of $350,000 a year and we just can’t figure out how to pay our bills and get ahead”

 

[rrrr]

Hi Dave, I’m 1 million in debt have an underwater basket weaving degree and I make $12hr how do I get it out of debt?

Including the $100K in student loans for the degree.

 

[BingerFang]

Hi Dave, I’m 1 million in debt have an underwater basket weaving degree and I make $12hr how do I get it out of debt?

 

[Tank]

Has anyone ever listened to his related pod casts through the entre leadership network? Some VERY spectacular leadership, management, supervisory growth topics.

Gotta kinda sift through some of it as some of it gets a little religious and some of it may be irrelevant for your Personal application but kinda on the Same field as extreme ownership, the jocko podcast, the machine, etc. always high end business owners or leaders talking about what works to lead successfully but also some good life leadership stuff mixed in.

This is just an example and is one of my favorite episodes. This guys a STUD! If you’re in management or own
Your own company, especially if you deal
With employees o highly recommend giving the series a
Listen.

How to Develop Your Team Like a Navy SEAL Commander with Mike Hayes

Podcast Episode · The EntreLeadership Podcast · 01/10/2022 · 49m

podcasts.apple.com

 

[BingerFang]

Has anyone ever listened to his related pod casts through the entre leadership network? Some VERY spectacular leadership, management, supervisory growth topics.

Gotta kinda sift through some of it as some of it gets a little religious and some of it may be irrelevant for your Personal application but kinda on the Same field as extreme ownership, the jocko podcast, the machine, etc. always high end business owners or leaders talking about what works to lead successfully but also some good life leadership stuff mixed in.

This is just an example and is one of my favorite episodes. This guys a STUD! If you’re in management or own
Your own company, especially if you deal
With employees o highly recommend giving the series a
Listen.

How to Develop Your Team Like a Navy SEAL Commander with Mike Hayes

Podcast Episode · The EntreLeadership Podcast · 01/10/2022 · 49m

podcasts.apple.com

Great book, read it in college back in 2014.

 

[hallett21]

AJ-Comedy on Instagram: "Delta Passenger had an incident and called @daveramsey !!! ✈️ 💩 💥 #daveramsey #daveramseybabysteps #daveramseyplan #impression #impressions #comedy #parody #impersonation #impersonator @delta"

2,122 likes, 87 comments - amikozak_official on September 6, 2023: "Delta Passenger had an incident and called @daveramsey !!! ✈️ 💩 💥 #daveramsey #davera..."

www.instagram.com

 

[Shrub Lurker]

Google his “time share exit team” law suit.

He made millions for pushing this ….

 

[MPHSystems]

All this time I have used a bag of lime for dead hookers.

Using Febreze is going to save me a fortune!!!!

 

[shan]

He's selling all kinds of shit now.

 

[Tio Pancho]

Who? its not rocket science to save money and live within your means... Now if he was showing people how to leverage debt to buy property and make wealth, then I would be all over that, as that is something to learn..

While I can agree with that for those that understand and have the wherewithal to do so, its no different than those who are overweight and cant seem to put down the fork, or those that drink too much and can put down the beer. Easy to say when it is not your cross to bear.
Both of my parents were born extremely poor. Mom 4th grade education and dad 1st generation American that spent his summers in the fields picking fruit. Dad passed 30 years ago. They still managed to put us through private high school. Mom pays more taxes than many people earn. Don't put down others if you have not been in their shoes. Your strengths are may not be theirs. He may be changing peoples lives.

 

[dribble]

When I bought my first house (on a bare two acres) I had credit card debt, two kids, low income and two horses. The day after closing, we had $9.00 in the bank. His advice is great but he puts everyone in the same box. Out of necessity, I’ve learned to do everything. Building, plumbing, electrical, roofing, HVAC whatever. Homeownership for me has always been cheaper than renting. I like the get out of debt and stay out philosophy but I became (reasonably) prosperous by working my ass off and leveraging when needed.

 

[DuttonDave]

I'd wager he has helped more folks than he's hurt.....

Absolutely!!!!

 

[rmarion]

I follow him...

debt free over here...

momma and I, getting ready to buy a van and live down by River

come on 65!!!


my sons F.ed that up..... the 3 of them living in different states....LOL

 

[SpeedyWho]

The vast majority of his advice is spot on, but knowing when and how to LIVE your life is just as important. I have a buddy who is straight down the line with Dave’s advice. I see him make concessions on simple items when he really doesn’t need too. When his family goes somewhere they stay in bargain hotels when they can afford better. I’m not staying in a dump to save $40-60 night it’s not even on option. LIFE is not guaranteed, saving for a day that might not come isn’t realistic either.

 

[shan]

I think his advice is spot on for people buried in debt, but not universal.

 

[CarolynandBob]

It is all about balance. When my wife and I got married we had similar thinking as far a saving money. I wanted to save more that her. She wanted to save some, but also enjoy life. We went with her strategy and I am very thankful we did. If we had went my way we would not have experienced a lot of fun.

 

[Sportin' Wood]

Dave found a nitch market to develop his entertainment network. Everyone is looking for something, he tapped into a desire and I'm sure has become wealthy as a result. His cult works for some, more than others. It's a pretty good algorithm he developed because it still works selling the same thing after all these years.

Some of his lessons should be taught in the 10th grade. They used to be.

 

[Sportin' Wood]

Hi Dave, I’m 1 million in debt have an underwater basket weaving degree and I make $12hr how do I get it out of debt?

This was me in 2007 less a degree and no income. Took 15 years to fix that shit and a whole lotta hustle. It was a pivotal year, lost my business, started KOH, and set my sights on moving to Montana. Damn, I wish I could get ten years of that back. In hindsight, I should have declared bankruptcy. That was a foolish prideful mistake. I will never PG a business debt again unless I have the cash to buy it and build the business credit. I also won't be a sub-contractor again.