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Breaking free from debt is life-changing. Here’s how to get started and make 2025 count. #NikkiHaleyLive Dave Ramsey

Nikki Haley

1,094,325 subscribers

89,054 views • 1 year ago •via X (Twitter)

Health & Wellness Finance #NikkiHaleyLive

Anya Rossi• Live Now

Private livecam show

11 Comments

Asteri 🇪🇸 🇺🇲1 year ago

@DaveRamsey would've been nice if you broke South Carolina free

Daniel Di Martino 🇺🇸🇻🇪1 year ago

@DaveRamsey I love that you guys partnered for a show. I'm a big fan of both.

SEG Abroad1 year ago

Prepare now to study in the USA tuition free. New financial aid program announced.

wanderer1 year ago

@DaveRamsey Wishing everyone who reads this the financial freedom they need this 2025 🙏✨🌹

Puzzled World1 year ago

@DaveRamsey Another way to get free of debt is to get money off AIPAC to further Israel's interests

Tennessee 🇺🇸1 year ago

@DaveRamsey Nikki either completely ignorant that her career in Washington ran our children/grandchildren/great grandchildren into the ground with debt or she’s just taking a dump on us with preaching “freedom” to Dave Ramsey—either way she’s a hypocrite.

BarbP 🇺🇦 🌻1 year ago

@DaveRamsey Hey we can’t all jump on the Trump Gravy Train financed by us poor working slobs’ tax dollars.

Mavjones.com1 year ago

@DaveRamsey Thanks for this advice, I will try to follow it in 2025. #Zelena

BrooklynP8triot1 year ago

@DaveRamsey Nobody voted for you, warmonger

Elizabeth🇺🇸#maga2024🇺🇸🌴🐊1 year ago

@DaveRamsey Don't worry! DJT is leading us to achieve this

Mike M-erica1 year ago

@DaveRamsey Please go away!

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KΞRL_✂️

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Caller: My husband and I are in way over our heads. We are about $1.3 million in debt with two businesses, a house loan, a car loan, credit cards, and back taxes. Dave Ramsey: How old are you guys? How long have you been married? Caller: We're both 28, married six years. Dave Ramsey: How much do you owe on your home and what's it worth? Caller: We owe about $48,000, and it's worth about $250,000. Dave Ramsey: What do you owe on your cars and in taxes? Caller: Cars is $17,000, taxes is $30,000. Dave Ramsey: That means we have a whole bunch of business debt, like $1.2 million worth? On what? Caller: My husband was fired four years ago and couldn't find stable work. We started a summer camp in 2022 built with credit card debt. To make that stable, we bought another business's assets for the $1.2m. Dave Ramsey: The credit card debt totals how much? Caller: About $19,000, and $15,000 of that is from the summer camp. Dave Ramsey: You don't own the land on the camp, do you? What kind of income do you make on that? Caller: No, sir, we rent the ground. It makes about $200,000 a year. Dave Ramsey: And the business that you purchased, what was the assets? Who loaned you $1.2 million for that? Caller: It’s event rentals like staging, lights, audiovisual, and inflatables. The SBA loaned it to us. Jade Warshaw: Is the camp still operational? Is there a way you can add things for other seasons to earn more? Caller: Yes, we still do it every year. We've been trying to, but we've hit a point in the economy where people are trying not to spend as much on fun stuff or childcare. Dave Ramsey: Not really true, but being so overwhelmed, I can see how you could start to think that. Lots of people are still renting kid stuff all over the place. The economics at your house suck, and I'm so sorry, honey.

Traeyz ♠️

144,315 views • 2 months ago

Caller: “I’m a 38-year-old single mother with two children. I have about $90,000 in student loans, $9,000 in credit card debt, and I feel completely stuck financially.” “I’m considering taking a hardship withdrawal from my retirement account to buy a multifamily property and create extra income.” Dave Ramsey: “That’s not going to bring stability. It’s going to do the opposite.” “What do you make?” Caller: “Around $160,000 a year.” Dave Ramsey: “You make $160,000 and only have about $100,000 of non-mortgage debt. Why can’t you reduce it?” Caller: “There’s always an emergency. Last year I had a medical procedure that cost thousands.” Dave Ramsey: “How much is your rent?” Caller: “$1,800 a month.” Dave Ramsey: “And your car?” Caller: “A $600 lease and about $340 a month for insurance.” Dave Ramsey: “I’m not hearing numbers that explain why someone making $160,000 can’t make progress.” “I think what’s really going on is that divorce turned your world upside down and left you feeling stuck.” “You’ve been carrying that emotional weight for four years, and it’s affecting the way you manage money.” “Don’t raid your retirement account. Don’t buy a multifamily property.” “Get on a written budget, track where every dollar is going, and start attacking the debt.” “You make enough income to make substantial progress within a year.”

Caller: “I’m a 38-year-old single mother with two children. I have about $90,000 in student loans, $9,000 in credit card debt, and I feel completely stuck financially.” “I’m considering taking a hardship withdrawal from my retirement account to buy a multifamily property and create extra income.” Dave Ramsey: “That’s not going to bring stability. It’s going to do the opposite.” “What do you make?” Caller: “Around $160,000 a year.” Dave Ramsey: “You make $160,000 and only have about $100,000 of non-mortgage debt. Why can’t you reduce it?” Caller: “There’s always an emergency. Last year I had a medical procedure that cost thousands.” Dave Ramsey: “How much is your rent?” Caller: “$1,800 a month.” Dave Ramsey: “And your car?” Caller: “A $600 lease and about $340 a month for insurance.” Dave Ramsey: “I’m not hearing numbers that explain why someone making $160,000 can’t make progress.” “I think what’s really going on is that divorce turned your world upside down and left you feeling stuck.” “You’ve been carrying that emotional weight for four years, and it’s affecting the way you manage money.” “Don’t raid your retirement account. Don’t buy a multifamily property.” “Get on a written budget, track where every dollar is going, and start attacking the debt.” “You make enough income to make substantial progress within a year.”

KΞRL_✂️

66,073 views • 3 months ago

Dave Ramsey recently claimed that an 8% withdrawal rate from an investment portfolio is safe for retirees. Unfortunately, his logic is flawed, and he does not seem to understand retirement spending math. Dave Ramsey 👀

Dave Ramsey recently claimed that an 8% withdrawal rate from an investment portfolio is safe for retirees. Unfortunately, his logic is flawed, and he does not seem to understand retirement spending math. Dave Ramsey 👀

Benjamin Felix

68,393 views • 2 years ago

Dave Ramsey gives tough advice to a 32-year-old with $451,000 in debt after he admits he made financial decisions just to please his parents. Dave Ramsey: “What do you do for a living” Caller: “Law enforcement” Dave Ramsey: “How do you get $252,000 in student loan debt to be a policeman”. Caller: “I went to private institution to study finance because my mother wanted me to go there and I didn’t do good at finance so I switched” “I also got a $185,000 house after my father passed because it’s the last thing we talked about and I wanted to do it to honor him”

Dave Ramsey gives tough advice to a 32-year-old with $451,000 in debt after he admits he made financial decisions just to please his parents. Dave Ramsey: “What do you do for a living” Caller: “Law enforcement” Dave Ramsey: “How do you get $252,000 in student loan debt to be a policeman”. Caller: “I went to private institution to study finance because my mother wanted me to go there and I didn’t do good at finance so I switched” “I also got a $185,000 house after my father passed because it’s the last thing we talked about and I wanted to do it to honor him”

Percy

1,051,347 views • 3 months ago

Caller: “I’ve got about $1.8M in debt tied to a real estate portfolio worth roughly $4.4M . The properties generate anywhere from $5K to $19K a month, depending on occupancy.” Dave Ramsey: “How did you build the portfolio?” Caller: “I hit a big win early. I bought a building for $426K, sold it for $1.6M, and rolled the proceeds into other properties through a 1031 exchange.” Dave Ramsey: “Do you want to get out of debt?” Caller: “I do, but I also want to grow this portfolio and eventually 10x it.” Dave Ramsey: “The problem is your returns are terrible.” “You hit one home run and have been chasing that feeling ever since.” “If your portfolio is only generating a 3.8% return, the math isn’t working.” “Some of these properties are being dragged down by too much debt and not enough income.” “Not all real estate is good real estate. Some of it is hurting you.” “You need to sell the underperformers, build a portfolio with stronger cash flow, and work toward becoming completely debt-free.”

Caller: “I’ve got about $1.8M in debt tied to a real estate portfolio worth roughly $4.4M . The properties generate anywhere from $5K to $19K a month, depending on occupancy.” Dave Ramsey: “How did you build the portfolio?” Caller: “I hit a big win early. I bought a building for $426K, sold it for $1.6M, and rolled the proceeds into other properties through a 1031 exchange.” Dave Ramsey: “Do you want to get out of debt?” Caller: “I do, but I also want to grow this portfolio and eventually 10x it.” Dave Ramsey: “The problem is your returns are terrible.” “You hit one home run and have been chasing that feeling ever since.” “If your portfolio is only generating a 3.8% return, the math isn’t working.” “Some of these properties are being dragged down by too much debt and not enough income.” “Not all real estate is good real estate. Some of it is hurting you.” “You need to sell the underperformers, build a portfolio with stronger cash flow, and work toward becoming completely debt-free.”

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131,869 views • 3 months ago