Bradson
@Bradsongeye • 1,252 subscribers
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Caller: Dave, I’m 54, recently widowed, retired. $8 million net worth, $7 million invested, up over 16% last year. I want a $75,000 quarter horse for reining plus about $45,000 a year to keep it. My advisor says wait and let the portfolio grow. Am I being reckless? Dave: I don’t know why your financial advisor even gets a vote. Caller: He thinks I should be more conservative after losing my husband. Dave: You’re about to take $150,000, throw it in the middle of the floor, and set it on fire. That’s what a horse is. Ridiculous consumption. Caller: So I shouldn’t? Dave: If you’ve got $7 million, you can do that. You can afford it. Buy the horse. Caller: It won’t hurt me long-term? Dave: A one-time $75k plus the upkeep is a rounding error on what that portfolio is throwing off. You’re fine. Pay off the leftover $140k mortgage while you’re at it and simplify your life. Then go ride. Just don’t buy the horse to medicate the grief. Buy it because you actually want the horse. Your advisor should be a teacher, not your dad.
Bradson7,604,299 views • 13 days ago
“I’m 33, make $60k, have zero debt… and I still feel like I’m LOSING at life.” Caller: “Dave… everyone my age has new cars, fancy vacations, big houses. I’m just… ordinary. I feel like I’m falling behind.” Dave: “Stop. Right now. You’re not falling behind, you’re winning and don’t even know it. 33 years old. $60k income. No consumer debt. Manageable mortgage. You’re in the top 1% of financial health for your age and you think you’re losing?” Caller: “But I paid cash for my Master’s instead of taking a vacation or buying a nicer car. I feel like I missed out.” Dave: “That Master’s degree is the best money you ever spent. You invested in yourself. The people flexing on social media? Half of them are one paycheck from disaster and drowning in debt they never post about. Social media is a highlight reel, not real life. You’re living the real version, debt-free and free.” Caller: “So what do I do about the constant comparison?” Dave: “Quit staring at the shiny stuff. Build real community. Real friends. Real connection. When your life is full of people who actually matter, the fake flexes stop mattering. You’re not losing. You’re already winning. Now go live like it.”
Bradson1,282,309 views • 2 months ago
Caller: “I’m about to finish law school and my fiancée is in her third year of medical school. We’re looking at about $700,000 in debt.” Dave: “$700,000. Who’s the lawyer and who’s the doctor?” Caller: “I’m the lawyer. $350K is student loans. The other $350K is the mortgage on the house I bought at the start of law school… using student loans.” Dave: “You used student loans to buy a house while you were in school? That’s not an investment. That’s a trap. The house hasn’t even gone up much. Sell it. Get rid of half this mess before you sit for the bar.” Caller: “We live there.” Dave: “Then live like two broke college students in a tiny studio until this is gone. You’re not special because you’re about to be a lawyer. Doctors and lawyers are some of the dumbest people with money because they think their degree makes them exempt from common sense.” Caller: “Once we’re both working” Dave: “You’ll start at $150K. She’ll make doctor money. If you live like you’re still broke, you can be 100% debt-free in three and a half years. If you start acting like you’re rich the minute the first paycheck hits, you’ll still be talking about this debt when you’re 50. Sell the house. Attack the loans. Don’t be another arrogant professional who can’t do basic math.”
Bradson638,328 views • 1 month ago
"My daughter just flipped us the middle finger on our college deal… and now she wants us to pay for it." Caller: Dave, we told our kids straight up, we’ll cash-flow college 100% IF they live at home and go to schools we approve. Our daughter just picked a school 6 hours away that forces her to live on campus. She’s out. Does she still get our money? Dave Ramsey: No. You set the rules for YOUR money. She chose to ignore them. That means she just volunteered to pay her own way. Boundaries aren’t suggestions, they’re contracts. Caller: But she’s our kid… and she’s so mad. Dave: Welcome to parenting adults. The hardest part? Realizing you can’t control them anymore. Stop using the “I’m the parent” voice. Talk to her like a mentor talks to a friend. Love her. Advise her. But don’t bankroll the rebellion. Caller: So what do we do? Dave: You and your husband get on the same page TODAY. Then dad takes her to coffee. Look her in the eye and say: “We love you. We’re proud of you. But the deal was clear. You broke it. That means the money stays home.” If y’all decide later to drop the “live at home” rule, cool. Change it together. But don’t fold because she’s pouting. Kids who learn that tantrums rewrite the rules become adults who never grow up. Hold the line.
Bradson556,100 views • 2 months ago
“I use my credit card for free travel points… so I’m basically getting paid to spend.” Caller:“Dave, I pay it off every month. The points are free money!” Dave:“No they’re not. Credit card companies aren’t charities. Those ‘rewards’ are a marketing tool designed to make you spend more. It’s the oldest trick in the book.” Caller:“But I’m getting 2–5% back!” Dave: “You just spent $10,000 to get a $200–$500 prize. Congrats, you won at Chuck E. Cheese. The house still wins.” Caller:“I never carry a balance though…” Dave:“Doesn’t matter. You’re still playing their game. You’re training yourself to stay inside a system built to transfer wealth *from* you *to* them. Debit card. Cash. Discipline. That’s how you actually win.” Caller:“But the points” Dave: “We studied over 10,000 millionaires. Not one of them said, ‘I got rich off credit card points.’ Not. One. Stop chasing free flights and start chasing financial freedom. Baby Steps. Do the work.”
Bradson285,479 views • 1 month ago
“My 15-year-old is ADDICTED to money.” Caller: He’s working 50–60 hours a week landscaping at $19/hour. He’d rather skip soccer than miss a job. Everything is about saving. He wants a house by 20 and his own company. College is off the table. I’m scared he’s missing his childhood. Dave: How much is he making? Caller: About $4,500 a month. Dave: At FIFTEEN? Caller: Yes. And he’s already done most of high school through homeschool. Dave: You don’t have a crisis. You have a unicorn. You have a kid who discovered work, stacked cash, and is thinking 5–10 years ahead while most 15-year-olds are thinking about Fortnite and Friday night. He’s not addicted to money. He’s addicted to building a life. Lean in. Celebrate him. Teach him to enjoy some of it, give some of it, and keep some friends. Don’t talk him out of the rarest trait a teenager can have. I’d throw a party.
Bradson83,442 views • 1 month ago
Caller: Dave, I'm newly single with 7 kids going through a divorce. No child support, court order ignored. I'm surviving on $204 a week from odd jobs + food stamps. $6,550 in student loans. Just got my EMT license but I'm drowning... Dave Ramsey: Caller, you listen to me right now. Call your attorney TODAY. Your ex does NOT have the power here, the court does! Make them enforce that support order immediately. This is unacceptable. Caller: But I'm barely making it... Dave: When the kids are with dad, you WORK. Full-time. Overtime. Side hustle. This season is temporary but you have to FIGHT. Stop letting him control your life. Dave: We're sending you Aldi gift cards right now to help with groceries. You've got this, mama. Get aggressive with that lawyer and build that income.
Bradson131,937 views • 2 months ago
Guz Khan says his first time in America he booked a cheap Airbnb in Topanga Canyon with no ratings because it looked “sick,” then his driver warned him that “brothers like me and you” don’t go there “I saw how much it cost to book somewhere in the Hollywood Hills. I don’t love them that much.” “I found somewhere that looked sick. And it had an exciting name, it was called Topanga.” “I went on the list and it had no ratings, but it looked sick and it was cheap.” “He went, ‘Ooh.’ I said, ‘Why are you saying “Ooh” for?’ He said, ‘Brother, man, I’m saying, brothers like me and you… we don’t be in Topanga.’”
Bradson60,153 views • 1 month ago
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