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Dave Ramsey

@DaveRamsey • 1,011,560 subscribers

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

Shorts

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.

1,790,178 Aufrufe

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.

127,330 Aufrufe

I’ve been doing this for over 30 years. After 9/11, the market shut down because Wall Street is right there. When it reopened, it tanked. Everyone said we were under attack, the economy was over, our retirements were gone. But guess what? 54 days later, the market had fully recovered. And no one talked about it. Why? Because panic sells. Fear gets clicks. Recovery doesn't. Stop letting the headlines control your outlook. The economy is stronger than you think. And the truth doesn't always make the news.

I’ve been doing this for over 30 years. After 9/11, the market shut down because Wall Street is right there. When it reopened, it tanked. Everyone said we were under attack, the economy was over, our retirements were gone. But guess what? 54 days later, the market had fully recovered. And no one talked about it. Why? Because panic sells. Fear gets clicks. Recovery doesn't. Stop letting the headlines control your outlook. The economy is stronger than you think. And the truth doesn't always make the news.

129,867 Aufrufe

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.

157,759 Aufrufe

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.

107,981 Aufrufe

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 Aufrufe

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).

63,083 Aufrufe

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

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

41,142 Aufrufe

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?

76,902 Aufrufe

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

79,206 Aufrufe

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.

48,528 Aufrufe

When people don’t waste money trying to LOOK wealthy, they have money to actually BECOME wealthy. A good used car that is less than three years old is as reliable or more reliable than a new car. A new $48,000 car (the average cost last year) will lose about $9,600 of value in the first year you own it. That is almost $175 per week in lost value.

When people don’t waste money trying to LOOK wealthy, they have money to actually BECOME wealthy. A good used car that is less than three years old is as reliable or more reliable than a new car. A new $48,000 car (the average cost last year) will lose about $9,600 of value in the first year you own it. That is almost $175 per week in lost value.

94,470 Aufrufe

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 Aufrufe

Financial problems are almost never just about money. They’re a symptom of something deeper. For over 30 years, I’ve seen it firsthand—whether it’s addiction, arrogance, or just trying to look cool with money you don’t have, the financial mess is just the result of a bigger issue. If you’re struggling financially, ask yourself: What’s really going on? Are you spending to impress people? Chasing a feeling? Numbing stress? The good news is, when you fix the root problem, the money problems start to clear up too. It’s not just about budgeting—it’s about changing the behaviors that got you here in the first place.

Sensitive content

Financial problems are almost never just about money. They’re a symptom of something deeper. For over 30 years, I’ve seen it firsthand—whether it’s addiction, arrogance, or just trying to look cool with money you don’t have, the financial mess is just the result of a bigger issue. If you’re struggling financially, ask yourself: What’s really going on? Are you spending to impress people? Chasing a feeling? Numbing stress? The good news is, when you fix the root problem, the money problems start to clear up too. It’s not just about budgeting—it’s about changing the behaviors that got you here in the first place.

41,904 Aufrufe

Why do married men live longer than single men?

Why do married men live longer than single men?

29,559 Aufrufe

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Online sports gambling is destroying a generation of young men.

Online sports gambling is destroying a generation of young men.

8,898,726 Aufrufe • vor 5 Monaten

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.

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.

4,435,738 Aufrufe • vor 1 Jahr

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

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

1,138,872 Aufrufe • vor 6 Monaten

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.

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.

3,337,958 Aufrufe • vor 1 Jahr

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.

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.

293,061 Aufrufe • vor 2 Monaten

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.

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.

1,210,450 Aufrufe • vor 1 Jahr

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.

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.

163,177 Aufrufe • vor 1 Monat

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

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

924,495 Aufrufe • vor 1 Jahr

Are Trump Accounts really the next big thing?

Are Trump Accounts really the next big thing?

234,201 Aufrufe • vor 3 Monaten

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

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

255,344 Aufrufe • vor 4 Monaten

What to do when the market drops after the bombings in Iran.

What to do when the market drops after the bombings in Iran.

130,433 Aufrufe • vor 2 Monaten

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.

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.

246,232 Aufrufe • vor 6 Monaten

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

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

211,790 Aufrufe • vor 5 Monaten

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

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

473,959 Aufrufe • vor 1 Jahr

Cody's mom passed away from cancer. On the day of the funeral, his estranged sister found out she was left out of the will. Now Cody’s torn... Should he give up part of his inheritance to repair the relationship? He called in to The Ramsey Show for advice.

Cody's mom passed away from cancer. On the day of the funeral, his estranged sister found out she was left out of the will. Now Cody’s torn... Should he give up part of his inheritance to repair the relationship? He called in to The Ramsey Show for advice.

144,071 Aufrufe • vor 3 Monaten

Who's taking all the homes?

Who's taking all the homes?

159,672 Aufrufe • vor 5 Monaten

Failure to file income tax returns is a federal criminal offense. If this applies to you as well, do not put this off another year. Danger, danger, danger. If you’re behind, initiate the filing immediately. Reconstruct the year or years as best you can, file something, and start cleaning it up. The IRS is far more likely to work with you when you come to them. If you're working your way out of a hole like this couple, don’t let this derail the progress you’ve worked so hard to make.

Failure to file income tax returns is a federal criminal offense. If this applies to you as well, do not put this off another year. Danger, danger, danger. If you’re behind, initiate the filing immediately. Reconstruct the year or years as best you can, file something, and start cleaning it up. The IRS is far more likely to work with you when you come to them. If you're working your way out of a hole like this couple, don’t let this derail the progress you’ve worked so hard to make.

86,630 Aufrufe • vor 2 Monaten

You can almost never justify selling a paid-for car just because it needs work.

You can almost never justify selling a paid-for car just because it needs work.

189,161 Aufrufe • vor 6 Monaten

Jennifer is 24 years old with $26K saved, and she wants to retire by 40.

Jennifer is 24 years old with $26K saved, and she wants to retire by 40.

332,630 Aufrufe • vor 1 Jahr

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.

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.

489,107 Aufrufe • vor 1 Jahr