Owen

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CALLER: I just opened a High Yield Savings Account. My $20,000 emergency fund generates 4.5% interest. That’s $900 annually without lifting a finger. DAVE RAMSEY: Dump it. Throw that $20,000 at your mortgage! CALLER: But I’m making $900 a year for absolutely nothing. DAVE RAMSEY: Debt is poison! Eliminate the house payment! CALLER: My mortgage rate is 3%. I’m getting 4.5%. DAVE RAMSEY: that’s not the path to wealth! REALITY CHECK: If your return rate surpasses your borrowing rate, hold onto the cash. That’s financial arbitrage. Every single dollar counts.

CALLER: I just opened a High Yield Savings Account. My $20,000 emergency fund generates 4.5% interest. That’s $900 annually without lifting a finger. DAVE RAMSEY: Dump it. Throw that $20,000 at your mortgage! CALLER: But I’m making $900 a year for absolutely nothing. DAVE RAMSEY: Debt is poison! Eliminate the house payment! CALLER: My mortgage rate is 3%. I’m getting 4.5%. DAVE RAMSEY: that’s not the path to wealth! REALITY CHECK: If your return rate surpasses your borrowing rate, hold onto the cash. That’s financial arbitrage. Every single dollar counts.

359,727 views

i called to cancel my health insurance last week because i could no longer afford it. the rep asked me why. i told her paying $480 a month for a plan with a $6,000 deductible does not feel like insurance anymore. it feels like paying a monthly fee for the privilege of still going broke if i actually get sick. she went quiet for a moment. then asked if i wanted to speak to a supervisor.

i called to cancel my health insurance last week because i could no longer afford it. the rep asked me why. i told her paying $480 a month for a plan with a $6,000 deductible does not feel like insurance anymore. it feels like paying a monthly fee for the privilege of still going broke if i actually get sick. she went quiet for a moment. then asked if i wanted to speak to a supervisor.

187,241 views

Dave Ramsey’s guide to becoming a millionaire by 30. pay off your 1.4% mortgage early. pay off your 0.7% car loan immediately. buy a $1,500 used car and spend $8,000 fixing it. never touch a credit card even the ones with 5% cashback. avoid Bitcoin entirely while it goes up 300%. make coffee at home and save $90 a month. results may vary.

Dave Ramsey’s guide to becoming a millionaire by 30. pay off your 1.4% mortgage early. pay off your 0.7% car loan immediately. buy a $1,500 used car and spend $8,000 fixing it. never touch a credit card even the ones with 5% cashback. avoid Bitcoin entirely while it goes up 300%. make coffee at home and save $90 a month. results may vary.

168,701 views

i just realized a collections agency can buy your $5,000 debt for $200. then sue you for the full $5,000. legally. they paid $200. they collect $5,000. $4,800 profit. on the worst financial moment of your life. and we wonder why people never climb out of debt.

i just realized a collections agency can buy your $5,000 debt for $200. then sue you for the full $5,000. legally. they paid $200. they collect $5,000. $4,800 profit. on the worst financial moment of your life. and we wonder why people never climb out of debt.

56,338 views

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CALLER: “Hi Dave, I just inherited $50,000,000 in cash and I don’t know what to do with it.” DAVE RAMSEY: “Who in the world left you $50,000,000?” CALLER: “My parents. My dad was into everything — real estate, car dealerships, private jets.” DAVE RAMSEY: “Okay… first thing. Don’t do anything rushed. Don’t touch it yet.” CALLER: “Really?” DAVE RAMSEY: “The people who have the most fun with money are the ones who give. Wealthy people who give are the ones who actually enjoy it.” A MAN INHERITED $50,000,000 IN CASH AND STILL CALLED DAVE RAMSEY FOR ADVICE. THAT’S EITHER THE SMARTEST THING OR THE MOST HUMBLE THING I’VE EVER HEARD.

CALLER: “Hi Dave, I just inherited $50,000,000 in cash and I don’t know what to do with it.” DAVE RAMSEY: “Who in the world left you $50,000,000?” CALLER: “My parents. My dad was into everything — real estate, car dealerships, private jets.” DAVE RAMSEY: “Okay… first thing. Don’t do anything rushed. Don’t touch it yet.” CALLER: “Really?” DAVE RAMSEY: “The people who have the most fun with money are the ones who give. Wealthy people who give are the ones who actually enjoy it.” A MAN INHERITED $50,000,000 IN CASH AND STILL CALLED DAVE RAMSEY FOR ADVICE. THAT’S EITHER THE SMARTEST THING OR THE MOST HUMBLE THING I’VE EVER HEARD.

3,934,758 views • 5 months ago

SHE INVESTED $1,000 IN TESLA. IT’S NOW WORTH $380,000. CALLER: “Hi, I invested $1,000 in Tesla back in 2011. I never added another dollar to it.” GEORGE KAMEL: “Okay… what’s it worth now?” CALLER: “$380,000. We still owe $288,000 on our house. Should I sell it and pay off the mortgage?” GEORGE KAMEL: “Wait…..you turned $1,000 into $380,000 and you haven’t touched it?” CALLER: “Nobody knows what Tesla’s capable of. I want to hold.” GEORGE KAMEL: “As soon as you can get that house paid off and get out of a single stock, the better.” SHE THREW $1,000 INTO TESLA IN 2011 AND FORGOT ABOUT IT. 14 YEARS LATER IT’S WORTH $380,000. AND SHE’S STILL DEBATING WHETHER TO CASH OUT.

SHE INVESTED $1,000 IN TESLA. IT’S NOW WORTH $380,000. CALLER: “Hi, I invested $1,000 in Tesla back in 2011. I never added another dollar to it.” GEORGE KAMEL: “Okay… what’s it worth now?” CALLER: “$380,000. We still owe $288,000 on our house. Should I sell it and pay off the mortgage?” GEORGE KAMEL: “Wait…..you turned $1,000 into $380,000 and you haven’t touched it?” CALLER: “Nobody knows what Tesla’s capable of. I want to hold.” GEORGE KAMEL: “As soon as you can get that house paid off and get out of a single stock, the better.” SHE THREW $1,000 INTO TESLA IN 2011 AND FORGOT ABOUT IT. 14 YEARS LATER IT’S WORTH $380,000. AND SHE’S STILL DEBATING WHETHER TO CASH OUT.

2,623,471 views • 5 months ago

This is EXACTLY what Boomers sound like. You bought a 4-bedroom house for $47,000 with a job that required NO degree, NO experience, just a firm handshake. Your wife didn't have to work. Your college cost less than my car insurance does now. You retired at 62 with a pension, a paid-off house, and Social Security checks that MY generation's paychecks fund... and somehow WE'RE the entitled ones? You didn't "work harder." You were born on third base, rode the easiest economy in American history, pulled the ladder up behind you, and now you sit on the porch lecturing people who work 60 hours a week and still can't afford a one-bedroom apartment. But go ahead. Prove the video right.

This is EXACTLY what Boomers sound like. You bought a 4-bedroom house for $47,000 with a job that required NO degree, NO experience, just a firm handshake. Your wife didn't have to work. Your college cost less than my car insurance does now. You retired at 62 with a pension, a paid-off house, and Social Security checks that MY generation's paychecks fund... and somehow WE'RE the entitled ones? You didn't "work harder." You were born on third base, rode the easiest economy in American history, pulled the ladder up behind you, and now you sit on the porch lecturing people who work 60 hours a week and still can't afford a one-bedroom apartment. But go ahead. Prove the video right.

25,136 views • 24 days ago

Dave Ramsey’s advice to every single caller who calls in drowning in debt: “Beans and rice. Rice and beans.” No eating out. No vacations. No shopping. No fun. Every dollar you make goes to the debt until it’s dead. People thought he was crazy for saying it. The ones who actually listened are debt free today.

Dave Ramsey’s advice to every single caller who calls in drowning in debt: “Beans and rice. Rice and beans.” No eating out. No vacations. No shopping. No fun. Every dollar you make goes to the debt until it’s dead. People thought he was crazy for saying it. The ones who actually listened are debt free today.

37,054 views • 5 months ago

Parents charging their 16 year old rent in Canada 🤯 Caller: “Hi I’m Matthew from Alberta Canada. I’m 16 years old and my parents are taking 15% of everything I make as rent. I also pay for my own food, my own car and my own phone. Is this fair or am I overreacting?” George Kamel: “He MADE you. You didn’t ask to be here. That’s his job as a parent!” John Delony: “This breaks my heart. You’re 16 years old in school full time and you’re already carrying adult bills.” His dad’s reason: “I shouldn’t be the only one providing for the family when I have working children.” 16 years old. Still in school. Paying rent, food, car and phone all by himself. Sir. He is the child. He IS the family.

Parents charging their 16 year old rent in Canada 🤯 Caller: “Hi I’m Matthew from Alberta Canada. I’m 16 years old and my parents are taking 15% of everything I make as rent. I also pay for my own food, my own car and my own phone. Is this fair or am I overreacting?” George Kamel: “He MADE you. You didn’t ask to be here. That’s his job as a parent!” John Delony: “This breaks my heart. You’re 16 years old in school full time and you’re already carrying adult bills.” His dad’s reason: “I shouldn’t be the only one providing for the family when I have working children.” 16 years old. Still in school. Paying rent, food, car and phone all by himself. Sir. He is the child. He IS the family.

10,654 views • 5 months ago

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