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Dave Ramsey

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Author: 9 National Bestsellers Host: @RamseyShow & @EntreLeadership Podcast Follow my team: @RachelCruze @JohnDelony @GeorgeKamel @JadeWarshaw

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Married couples need to budget their money together. You’re married, you’re not roommates. Money shouldn’t be a “me” thing, it should be a “we” thing.

Married couples need to budget their money together. You’re married, you’re not roommates. Money shouldn’t be a “me” thing, it should be a “we” thing.

1,791,630 views

When Sharon and I got married, the first diamond I bought her was tiny. It definitely wasn't anything that would turn heads. But here's what I've learned after all these years: the size of the diamond has absolutely nothing to do with the strength of the marriage. We built our marriage first. We built wealth over time. Then, years later, we upgraded the ring. Don't go into debt trying to buy a symbol of a great marriage. Build one instead.

When Sharon and I got married, the first diamond I bought her was tiny. It definitely wasn't anything that would turn heads. But here's what I've learned after all these years: the size of the diamond has absolutely nothing to do with the strength of the marriage. We built our marriage first. We built wealth over time. Then, years later, we upgraded the ring. Don't go into debt trying to buy a symbol of a great marriage. Build one instead.

94,453 views

If money feels tight right now, you aren't crazy. A lot of people have been sold the lie that payments are normal. Car loans, credit cards, and student loans are draining their income before they ever get a chance to get ahead. The system is designed to keep you stuck. The good news is you can still win. Get rid of the payments, and the math will start to work in your favor.

If money feels tight right now, you aren't crazy. A lot of people have been sold the lie that payments are normal. Car loans, credit cards, and student loans are draining their income before they ever get a chance to get ahead. The system is designed to keep you stuck. The good news is you can still win. Get rid of the payments, and the math will start to work in your favor.

128,341 views

If you’re 25 and don’t end up a millionaire, you might need a wake-up call—because I just showed you how. Invest $100 a month from age 25 to 65 at the average S&P 500 return over the last 40 years, and you’ll have over $1.1 million. Too late to start at 25? Nope. Start at 40, invest $1,000 a month, and you can still hit $1 million by 60. Your age and income aren’t excuses. Your life isn’t a snapshot—it’s a filmstrip. You can change your future. You can build wealth.

If you’re 25 and don’t end up a millionaire, you might need a wake-up call—because I just showed you how. Invest $100 a month from age 25 to 65 at the average S&P 500 return over the last 40 years, and you’ll have over $1.1 million. Too late to start at 25? Nope. Start at 40, invest $1,000 a month, and you can still hit $1 million by 60. Your age and income aren’t excuses. Your life isn’t a snapshot—it’s a filmstrip. You can change your future. You can build wealth.

160,953 views

Most people panic when the stock market dips. I don’t. I smile. Why? Because I’m not investing for 30 minutes. I’m investing for 30 years. When the market drops, it’s not a crisis. It’s an opportunity to buy great investments at a discount. Wealth isn’t built by chasing trends or reacting to headlines. It’s built by staying steady, keeping your emotions in check, and thinking LONG term.

Most people panic when the stock market dips. I don’t. I smile. Why? Because I’m not investing for 30 minutes. I’m investing for 30 years. When the market drops, it’s not a crisis. It’s an opportunity to buy great investments at a discount. Wealth isn’t built by chasing trends or reacting to headlines. It’s built by staying steady, keeping your emotions in check, and thinking LONG term.

108,739 views

Broke people care deeply about what you think. That’s why broke people are always giving you advice: They’re afraid that you’re going to outpace them because you’re doing smart things with money. Most people who aren’t broke don’t give a crap what you think. Because the way they achieved that first layer of wealth ($1–10 million net worth) is that they didn’t do it for you. They were not living their life to impress others. They just didn’t care what you thought. Because here’s what happens when you quit worrying about what other people think, and you’re actually living life for you and your family: You tend to make completely different purchases and live a completely different lifestyle.

Broke people care deeply about what you think. That’s why broke people are always giving you advice: They’re afraid that you’re going to outpace them because you’re doing smart things with money. Most people who aren’t broke don’t give a crap what you think. Because the way they achieved that first layer of wealth ($1–10 million net worth) is that they didn’t do it for you. They were not living their life to impress others. They just didn’t care what you thought. Because here’s what happens when you quit worrying about what other people think, and you’re actually living life for you and your family: You tend to make completely different purchases and live a completely different lifestyle.

96,951 views

If you invest $100 a month from age 30 to 70, you're going to have over $1 million in your mutual funds and your 401(k).

If you invest $100 a month from age 30 to 70, you're going to have over $1 million in your mutual funds and your 401(k).

63,355 views

When I say “beans and rice, rice and beans,” I don’t actually mean only eat rice and beans. What it represents is so much more than a low grocery bill. It’s about short-term sacrifice for the long-term win. You can do anything for a few months, even a few years to set yourself up for a lifetime of success. You have to live on less than you make in order to pay off debt, in order to save and invest, in order to be generous. You can’t spend more than you make and end up anywhere except bankruptcy court. And people are doing it every day, everywhere. The stuff I talk about is not hard to understand. It’s very hard to actually go and do it. You’ve got to decide you’re going to DO it. Day in and day out, you’ve drawn a line in the sand, and you are NOT going back. No more excuses. You’re taking control of your actions and your life. You’re ready to make your money work for YOU, not the other way around. Are you ready to change your life?

When I say “beans and rice, rice and beans,” I don’t actually mean only eat rice and beans. What it represents is so much more than a low grocery bill. It’s about short-term sacrifice for the long-term win. You can do anything for a few months, even a few years to set yourself up for a lifetime of success. You have to live on less than you make in order to pay off debt, in order to save and invest, in order to be generous. You can’t spend more than you make and end up anywhere except bankruptcy court. And people are doing it every day, everywhere. The stuff I talk about is not hard to understand. It’s very hard to actually go and do it. You’ve got to decide you’re going to DO it. Day in and day out, you’ve drawn a line in the sand, and you are NOT going back. No more excuses. You’re taking control of your actions and your life. You’re ready to make your money work for YOU, not the other way around. Are you ready to change your life?

77,199 views

When you walk through the door after a hard day, you’re not stepping onto a battlefield. You’re stepping into your home. Put down what you’ve been carrying all day. Your kids and your spouse aren’t the enemy. With Shawn Ryan on Shawn Ryan Show

When you walk through the door after a hard day, you’re not stepping onto a battlefield. You’re stepping into your home. Put down what you’ve been carrying all day. Your kids and your spouse aren’t the enemy. With Shawn Ryan on Shawn Ryan Show

79,341 views

I do not have an income. My wife and I have an income. It’s as much hers as it is mine—spiritually, morally, and legally. It’s not MINE, it’s OURS. When you change your language like that, it forces you to set goals together instead of having independent goals. Marriages are always growing together or they’re growing apart.

I do not have an income. My wife and I have an income. It’s as much hers as it is mine—spiritually, morally, and legally. It’s not MINE, it’s OURS. When you change your language like that, it forces you to set goals together instead of having independent goals. Marriages are always growing together or they’re growing apart.

135,867 views

Tough conditions don’t cancel out smart decisions. The math still matters.

Tough conditions don’t cancel out smart decisions. The math still matters.

42,277 views

You’re not broke because you don’t make enough. You’re broke because you give your income to everyone else. Credit cards, car payments, student loans... every payment is money that you could be using to build wealth for yourself instead of making everyone else rich. Here’s how you stop the cycle: 1. Make a zero-based budget. Tell every dollar where to go on purpose. 2. Cut the debt. Attack it with the debt snowball. 3. Stop financing your life. Pay cash for the things you buy. Your income is your number one wealth-building tool. If you keep it, budget it, and invest it, you can break the paycheck-to-paycheck cycle and finally get ahead. No more excuses.

You’re not broke because you don’t make enough. You’re broke because you give your income to everyone else. Credit cards, car payments, student loans... every payment is money that you could be using to build wealth for yourself instead of making everyone else rich. Here’s how you stop the cycle: 1. Make a zero-based budget. Tell every dollar where to go on purpose. 2. Cut the debt. Attack it with the debt snowball. 3. Stop financing your life. Pay cash for the things you buy. Your income is your number one wealth-building tool. If you keep it, budget it, and invest it, you can break the paycheck-to-paycheck cycle and finally get ahead. No more excuses.

48,929 views

We spend money on things that are important to us. Jesus said where your treasure is, there your heart will be also. When you look at your budget and your bank statement, you can see where your heart is.

We spend money on things that are important to us. Jesus said where your treasure is, there your heart will be also. When you look at your budget and your bank statement, you can see where your heart is.

54,796 views

I love automatic payments. I’ve got mutual funds that automatically tap my checking account, and all of my utilities are set up to be automatically paid. This way, I never miss the early payment discounts, and I don’t have to worry about payments being late.

I love automatic payments. I’ve got mutual funds that automatically tap my checking account, and all of my utilities are set up to be automatically paid. This way, I never miss the early payment discounts, and I don’t have to worry about payments being late.

69,415 views

Don't compare your life to someone else's highlight reel on social media. What you see on someone's social media feed is very seldom the full picture. Most people look good, but they're broke.

Don't compare your life to someone else's highlight reel on social media. What you see on someone's social media feed is very seldom the full picture. Most people look good, but they're broke.

47,712 views

Are weddings getting too expensive? I love a big wedding, and I'm all about having a good party—if you pay cash for it. But remember that your wedding is about the two of you and your marriage. And that will last much longer than one day of celebration. Don't lose sight of what really matters and go broke in the process.

Are weddings getting too expensive? I love a big wedding, and I'm all about having a good party—if you pay cash for it. But remember that your wedding is about the two of you and your marriage. And that will last much longer than one day of celebration. Don't lose sight of what really matters and go broke in the process.

40,755 views

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Online sports gambling is destroying a generation of young men.
0:32
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Online sports gambling is destroying a generation of young men.

Dave Ramsey

8,907,650 views • 9 months ago

Sports betting isn’t just a little hobby—it’s an addiction that’s wrecking families and futures. The industry is out of control, making it easier than ever to lose everything with just a few taps on your phone. I’ve seen people drown in six-figure debt before their families even find out. Some of you are gambling away your entire financial future just to watch someone else earn a living. The house always wins, and you are not the exception.
0:29
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Sports betting isn’t just a little hobby—it’s an addiction that’s wrecking families and futures. The industry is out of control, making it easier than ever to lose everything with just a few taps on your phone. I’ve seen people drown in six-figure debt before their families even find out. Some of you are gambling away your entire financial future just to watch someone else earn a living. The house always wins, and you are not the exception.

Dave Ramsey

4,438,009 views • 1 year ago

Our team reached out to both Vice President Harris's camp and President Trump's camp about the opportunity to sit down and talk about ideas. Now, keep in mind, what happens in your house is more important than what happens in the White House. But I'm standing in Trump Tower, and I just finished interviewing President Donald Trump. It was a great interview. You're going to want to see it. We'll post it next week.
0:27
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Our team reached out to both Vice President Harris's camp and President Trump's camp about the opportunity to sit down and talk about ideas. Now, keep in mind, what happens in your house is more important than what happens in the White House. But I'm standing in Trump Tower, and I just finished interviewing President Donald Trump. It was a great interview. You're going to want to see it. We'll post it next week.

Dave Ramsey

3,338,372 views • 2 years ago

This clip is from 2016, and I was sounding the alarm back then.
2:38
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This clip is from 2016, and I was sounding the alarm back then.

Dave Ramsey

1,141,234 views • 11 months ago

Everyone’s freaking out about the tariffs and the stock market dropping, but here’s the deal: This isn’t the end of the economy. If you're a real investor, you don’t make decisions based on headlines. You think long term. The market is still up over time. Wealth is built by staying steady. When the market dips, it’s not time to panic—It’s time to buy. It’s on sale. The only people who get hurt on a roller coaster are the ones who jump off in the middle. Stay in. Keep investing. You’ll be just fine.
1:30
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Everyone’s freaking out about the tariffs and the stock market dropping, but here’s the deal: This isn’t the end of the economy. If you're a real investor, you don’t make decisions based on headlines. You think long term. The market is still up over time. Wealth is built by staying steady. When the market dips, it’s not time to panic—It’s time to buy. It’s on sale. The only people who get hurt on a roller coaster are the ones who jump off in the middle. Stay in. Keep investing. You’ll be just fine.

Dave Ramsey

1,211,050 views • 1 year ago

"Should I tell my wife we're worth millions?"
2:59
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"Should I tell my wife we're worth millions?"

Dave Ramsey

925,115 views • 1 year ago

A songwriter with unpredictable income faces a brutal season. His baby is born prematurely, his wife is diagnosed with lupus, and both are in and out of the hospital. Now he’s considering selling his entire music catalog for $4 million just to create stability. He called in to The Ramsey Show for advice.
2:34
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A songwriter with unpredictable income faces a brutal season. His baby is born prematurely, his wife is diagnosed with lupus, and both are in and out of the hospital. Now he’s considering selling his entire music catalog for $4 million just to create stability. He called in to The Ramsey Show for advice.

Dave Ramsey

294,768 views • 7 months ago

Never invest in anything you don’t understand. Theo Von
1:18
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Never invest in anything you don’t understand. Theo Von

Dave Ramsey

474,075 views • 1 year ago

Are Trump Accounts really the next big thing?
1:01
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Are Trump Accounts really the next big thing?

Dave Ramsey

235,971 views • 8 months ago

If you want a marriage that lasts, agree on these 4 things before you walk down the aisle.
0:21
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If you want a marriage that lasts, agree on these 4 things before you walk down the aisle.

Dave Ramsey

256,251 views • 9 months ago

This 16-year-old makes $50,000 a month.
5:25
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This 16-year-old makes $50,000 a month.

Dave Ramsey

781,982 views • 3 years ago

This was fun! Rachel called into the Ramsey Show a week ago with a tough decision to make: She wants to see the Backstreet Boys at the Sphere in Las Vegas, but she's working on paying off debt. Kevin Richardson from the Backstreet Boys saw the clip, and here's what happened next.
2:58
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This was fun! Rachel called into the Ramsey Show a week ago with a tough decision to make: She wants to see the Backstreet Boys at the Sphere in Las Vegas, but she's working on paying off debt. Kevin Richardson from the Backstreet Boys saw the clip, and here's what happened next.

Dave Ramsey

165,686 views • 6 months ago

Thinking about buying a house with your boyfriend or girlfriend? Don’t. If you’re not married, keep your finances and your names separate. I’ve taken too many calls from people stuck in legal messes because they played house instead of building a future. Want her to feel like it’s her home? Then marry her.
0:50
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Thinking about buying a house with your boyfriend or girlfriend? Don’t. If you’re not married, keep your finances and your names separate. I’ve taken too many calls from people stuck in legal messes because they played house instead of building a future. Want her to feel like it’s her home? Then marry her.

Dave Ramsey

246,572 views • 11 months ago

Americans deserve to know what their presidential candidates will do about real issues that matter to real people. So, we reached out to both candidates to give them the opportunity to sit down and share their ideas. I took everyday Americans’ questions about the economy to Donald J. Trump in a real-talk interview.
24:48
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Americans deserve to know what their presidential candidates will do about real issues that matter to real people. So, we reached out to both candidates to give them the opportunity to sit down and share their ideas. I took everyday Americans’ questions about the economy to Donald J. Trump in a real-talk interview.

Dave Ramsey

490,418 views • 2 years ago

Janice is 70 years old with nothing saved for retirement. She called in to The Ramsey Show for advice.
2:50
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Janice is 70 years old with nothing saved for retirement. She called in to The Ramsey Show for advice.

Dave Ramsey

71,942 views • 2 months ago

I talked with Donald J. Trump about lowering taxes and how Elon Musk is going to help him cut costs.
1:28
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I talked with Donald J. Trump about lowering taxes and how Elon Musk is going to help him cut costs.

Dave Ramsey

474,860 views • 2 years ago

Here’s what’s in my wallet. (Spoiler: I don’t have any credit cards.)
0:43
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Here’s what’s in my wallet. (Spoiler: I don’t have any credit cards.)

Dave Ramsey

212,249 views • 10 months ago

Couples who agree in these four areas have a much higher probability of a successful marriage.
0:26
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Couples who agree in these four areas have a much higher probability of a successful marriage.

Dave Ramsey

314,892 views • 1 year ago