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Dave Ramsey breaks down how saving only $100 a month can make you a millionaire by 65 "Be on a detailed plan, be in agreement with your spouse, and get out of debt" "$100 a month saved at 12%, the s&p's average 11.6, 11.8 depending on how many years... show more

Yonan

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108,970 次观看 • 2 个月前 •via X (Twitter)

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Caller: "I just recently graduated from residency to become an orthodontist, and I have student loans totaling just over $1 million. "My interest alone is about $5,800 a month." Dave Ramsey: "You're kidding." "What were you thinking?" Caller: "Well, I wasn't thinking, clearly." "My fiancée and I are trying to figure out the best way to attack this debt." Dave Ramsey: "What will you be making as an orthodontist?" Caller: "About $250,000." Dave Ramsey: "If you make $250,000 a year, why are you only putting $120,000 toward your debt?" Caller: "We're going to put as much as we possibly can toward the debt." "We're hoping to eventually make payments of $20,000, $30,000, or even $40,000 a month." "Otherwise, I'm just up a creek without a paddle." Dave Ramsey: "If you only pay $10,000 a month, you're only clearing about $4,200 a month against a $1 million principal. It's going to take you decades at that pace." Caller: "Yeah, that's what we realized when we looked at the numbers." Dave Ramsey: "You and your fiancée have got to live like you're completely broke because you are broke." "You are a negative millionaire." "You shouldn't see the inside of a restaurant unless you're working there." "Every dollar that isn't keeping the lights on needs to be thrown at this monster." "You need to grow that practice so you can start throwing $20,000 or $30,000 a month at this debt. That's your only way out."

Caller: "I just recently graduated from residency to become an orthodontist, and I have student loans totaling just over $1 million. "My interest alone is about $5,800 a month." Dave Ramsey: "You're kidding." "What were you thinking?" Caller: "Well, I wasn't thinking, clearly." "My fiancée and I are trying to figure out the best way to attack this debt." Dave Ramsey: "What will you be making as an orthodontist?" Caller: "About $250,000." Dave Ramsey: "If you make $250,000 a year, why are you only putting $120,000 toward your debt?" Caller: "We're going to put as much as we possibly can toward the debt." "We're hoping to eventually make payments of $20,000, $30,000, or even $40,000 a month." "Otherwise, I'm just up a creek without a paddle." Dave Ramsey: "If you only pay $10,000 a month, you're only clearing about $4,200 a month against a $1 million principal. It's going to take you decades at that pace." Caller: "Yeah, that's what we realized when we looked at the numbers." Dave Ramsey: "You and your fiancée have got to live like you're completely broke because you are broke." "You are a negative millionaire." "You shouldn't see the inside of a restaurant unless you're working there." "Every dollar that isn't keeping the lights on needs to be thrown at this monster." "You need to grow that practice so you can start throwing $20,000 or $30,000 a month at this debt. That's your only way out."

Bee♧

92,731 次观看 • 16 天前

The minimum you should be investing is $100/week. That’s $400/month. Me personally I found that investing 3k-4k/month at a 15% return would get me to become a millionaire in 10 years.

The minimum you should be investing is $100/week. That’s $400/month. Me personally I found that investing 3k-4k/month at a 15% return would get me to become a millionaire in 10 years.

Aristotle Investments

61,239 次观看 • 1 年前

Want to be a millionaire? Turn off your television. The average millionaire reads a nonfiction book a month. This is how you make your life better: having knowledge tomorrow that you didn’t have today, and then applying it.

Want to be a millionaire? Turn off your television. The average millionaire reads a nonfiction book a month. This is how you make your life better: having knowledge tomorrow that you didn’t have today, and then applying it.

Dave Ramsey

63,255 次观看 • 2 年前

Want to be a millionaire? Turn off your television. The average millionaire reads a nonfiction book a month. This is how you make your life better: having knowledge tomorrow that you didn’t have today, and then applying it.

Want to be a millionaire? Turn off your television. The average millionaire reads a nonfiction book a month. This is how you make your life better: having knowledge tomorrow that you didn’t have today, and then applying it.

Dave Ramsey

64,466 次观看 • 1 年前

Imagine being a boomer that has it so good you think somebody is going to retire by saving $100 a month. 9/10 boomers advice should be ignored.

Imagine being a boomer that has it so good you think somebody is going to retire by saving $100 a month. 9/10 boomers advice should be ignored.

Housing Bubble Disrespecter 🏡🫧❌

1,456,589 次观看 • 3 年前

A new car loses 60% of its value in the first five years. That means your $40,000 car is going to be a $16,000 car in five years. If you lose $24,000 every five years, don’t be scratching your head and wondering why you can’t build wealth. It’s because you’re driving it—down the sewer. That’s not at all how real millionaires behave. The average millionaire drives a nice, slightly used, two- or three-year-old car that they bought with cash, and they practically never drive a brand-new car off the lot. People always say, “Well, Dave, if I were a millionaire, I’d be able to pay cash for a car too!” No, you’re not getting it. These people don’t buy with cash because they’re rich; they’re rich because they buy cars with cash! Think about how much the average American spends on car payments over their lifetime. The average payment is around $735 a month right now. If you invest $735 in a good mutual fund every month from age 25 to 65, you’ll end up with more than $6 million. Now, I love nice cars, but I’ve never seen one worth $6 million! If you call into The Ramsey Show, struggling to get out of debt, you can almost guarantee that the first words out of my mouth will be, “Sell the car!” If you want to take control of your money, you’ve got to amputate the out-of-control lifestyle. For most people, that starts with the car payment.

Dave Ramsey

193,918 次观看 • 2 年前

Qullamaggie on A Million Dollars Is Not Enough to Quit Your Job “A million? Why would a million dollar trade ruin you? You would quit your job and start to drink? Why would you quit your job? A million dollars is not enough money to quit your job. Unless you're like in your 60s, then it may be enough. If you're younger than 60, a million is not going to last for long. How much is enough? Well, different for everyone. For some people... There is no upper limit. I fear I may be in that group. Like I feel like I won't be, even if I get to 100 million, I'm still going to be addicted to trading. Because it's a lot, it's like a, it's a passion, right? It's not a job, it's a passion. And if you, and once it starts feeling like a job, I'm probably going to quit.”

Qullamaggie on A Million Dollars Is Not Enough to Quit Your Job “A million? Why would a million dollar trade ruin you? You would quit your job and start to drink? Why would you quit your job? A million dollars is not enough money to quit your job. Unless you're like in your 60s, then it may be enough. If you're younger than 60, a million is not going to last for long. How much is enough? Well, different for everyone. For some people... There is no upper limit. I fear I may be in that group. Like I feel like I won't be, even if I get to 100 million, I'm still going to be addicted to trading. Because it's a lot, it's like a, it's a passion, right? It's not a job, it's a passion. And if you, and once it starts feeling like a job, I'm probably going to quit.”

Lone

18,758 次观看 • 5 个月前

NoCap’s girlfriend Summyah says there’s no excuse for people not to be making at least $1,000 a month with all the ways there are to make money online 👀 She claims you can make a minimum of $4,000 a month on Twitch by averaging just 100–200 viewers.

NoCap’s girlfriend Summyah says there’s no excuse for people not to be making at least $1,000 a month with all the ways there are to make money online 👀 She claims you can make a minimum of $4,000 a month on Twitch by averaging just 100–200 viewers.

keeno

1,476,937 次观看 • 1 个月前

What is Faceless YouTube and How I make $30k-60k a month with it: Comment "guide" and I'll dm you a full training on exactly how to start and make money (must be following)

What is Faceless YouTube and How I make $30k-60k a month with it: Comment "guide" and I'll dm you a full training on exactly how to start and make money (must be following)

Devon Canup

53,791 次观看 • 1 年前

The key to success on saving is to take 15% of your income when you're in your 20s and invest it in the index of the S&P 500. You don't have to pick stocks and you don't even have to understand what a stock is, but over the period of your life, if you're taking that 15% every two weeks/month on an average salary, you'll end up a millionaire when you're 65 plus. That's enough to live off in retirement. You won't have any debt. So it's about learning how to not buy s*** you don't need and investing that money instead.

The key to success on saving is to take 15% of your income when you're in your 20s and invest it in the index of the S&P 500. You don't have to pick stocks and you don't even have to understand what a stock is, but over the period of your life, if you're taking that 15% every two weeks/month on an average salary, you'll end up a millionaire when you're 65 plus. That's enough to live off in retirement. You won't have any debt. So it's about learning how to not buy s*** you don't need and investing that money instead.

Kevin O'Leary aka Mr. Wonderful

192,722 次观看 • 1 年前

Caller: “I’m thinking about filing for bankruptcy.” Dave Ramsey: “Okay… that’s a serious step. What’s going on?” Caller: “My wife and I bring home about $7,700 a month, but she’s talking about separating. If I’m on my own, I’m down to about $3,850 a month and I’m basically underwater every month.” Dave Ramsey: “So the marriage is already under a lot of pressure.” Caller: “Yeah… there’s been a lot of resentment from how I’ve been over the last year and a half.” Dave Ramsey: “Were you present at home during that time?” Caller: “Not really. We’ve got a six-year-old daughter.” Dave Ramsey: “That matters. Because money stress is one of the biggest pressures in a marriage. When people say ‘you weren’t present,’ a lot of times what they really mean is ‘we were drowning financially.’” Caller: “That could be very possible.” Dave Ramsey: “So let’s talk numbers. What debt are we dealing with?” Caller: “About $75,000 total outside the house. Credit cards, an HVAC loan, and a few smaller balances. Most of it was from trying to keep things afloat and, honestly, some bad spending choices.” Dave Ramsey: “Okay. So this isn’t bankruptcy territory.” Caller: “It isn’t?” Dave Ramsey: “No. The math says you’re not broke. You’re just disorganized and under pressure.” “If you’ve got $7,700 coming in as a couple, this is fixable.” “But it only works if you stop hiding, stop guessing, and both of you decide to actually fight the problem together.” Caller: “We’ve never really been on the same page with the money.” Dave Ramsey: “Then that’s the real issue, not the debt.” “Because if you stay married and you work together, you could clean this up fairly quickly.” “But it’s going to require a full reset.” “No more credit cards. No more secret spending. Every dollar on a plan. Every expense visible. Both of you aware of what’s going on at all times.” “And yeah, it’s going to be tight for a while. But that’s how you get your life back on track.”

Caller: “I’m thinking about filing for bankruptcy.” Dave Ramsey: “Okay… that’s a serious step. What’s going on?” Caller: “My wife and I bring home about $7,700 a month, but she’s talking about separating. If I’m on my own, I’m down to about $3,850 a month and I’m basically underwater every month.” Dave Ramsey: “So the marriage is already under a lot of pressure.” Caller: “Yeah… there’s been a lot of resentment from how I’ve been over the last year and a half.” Dave Ramsey: “Were you present at home during that time?” Caller: “Not really. We’ve got a six-year-old daughter.” Dave Ramsey: “That matters. Because money stress is one of the biggest pressures in a marriage. When people say ‘you weren’t present,’ a lot of times what they really mean is ‘we were drowning financially.’” Caller: “That could be very possible.” Dave Ramsey: “So let’s talk numbers. What debt are we dealing with?” Caller: “About $75,000 total outside the house. Credit cards, an HVAC loan, and a few smaller balances. Most of it was from trying to keep things afloat and, honestly, some bad spending choices.” Dave Ramsey: “Okay. So this isn’t bankruptcy territory.” Caller: “It isn’t?” Dave Ramsey: “No. The math says you’re not broke. You’re just disorganized and under pressure.” “If you’ve got $7,700 coming in as a couple, this is fixable.” “But it only works if you stop hiding, stop guessing, and both of you decide to actually fight the problem together.” Caller: “We’ve never really been on the same page with the money.” Dave Ramsey: “Then that’s the real issue, not the debt.” “Because if you stay married and you work together, you could clean this up fairly quickly.” “But it’s going to require a full reset.” “No more credit cards. No more secret spending. Every dollar on a plan. Every expense visible. Both of you aware of what’s going on at all times.” “And yeah, it’s going to be tight for a while. But that’s how you get your life back on track.”

KΞRL_✂️

1,184,759 次观看 • 1 个月前

US Health Insurance is a scam and it just keeps getting worse - Healthy woman has UnitedHealthcare - Pays nearly $600 per month through work - Preventative care used to be $50, now it’s $125 - Dermatologist $100 - Medication that used to be $0, is now $40 “What the f*ck am I paying you guys $600 a month just to still have to pay out the f*cking a**for everything that I'm getting? What the f*ck is up with that? You guys are pieces of sh*t”

US Health Insurance is a scam and it just keeps getting worse - Healthy woman has UnitedHealthcare - Pays nearly $600 per month through work - Preventative care used to be $50, now it’s $125 - Dermatologist $100 - Medication that used to be $0, is now $40 “What the fck am I paying you guys $600 a month just to still have to pay out the fcking a**for everything that I'm getting? What the fck is up with that? You guys are pieces of sht”

Wall Street Apes

840,063 次观看 • 1 年前

Ben Affleck breaks down why a $25M movie has to make $100M just to break even Affleck: "It's very, very difficult to make a movie for less than $25 million" "You spend about the same amount to advertise the movie as you spend to make it. So you spent $25 million to make it, $25 million to advertise it now you've got $50 million into the movie" "From the theaters you get back roughly 50%. So if a movie makes $100 million, you get back $50 million. You've got to gross a hundred million just in simple math" "People now go, 'this movie looks good, but I'll see it when it comes on streaming'"

Ben Affleck breaks down why a $25M movie has to make $100M just to break even Affleck: "It's very, very difficult to make a movie for less than $25 million" "You spend about the same amount to advertise the movie as you spend to make it. So you spent $25 million to make it, $25 million to advertise it now you've got $50 million into the movie" "From the theaters you get back roughly 50%. So if a movie makes $100 million, you get back $50 million. You've got to gross a hundred million just in simple math" "People now go, 'this movie looks good, but I'll see it when it comes on streaming'"

Arslan

3,529,754 次观看 • 1 个月前

Caller: I just recently graduated from residency to become an orthodontist. And I have student loans that total just over $1 million. Dave Ramsey: You're kidding. Caller: No, sir. Dave Ramsey: What were you thinking? Caller: Well, I wasn't thinking, clearly. So I sat down and calculated my interest rates, and my interest is about $5,800 a month. My fiancé and I are trying to decide what's the best way to try to attack this. This first year, if we're able to pay $10,000 a month, I guess there's basically two ways that we thought of it. I can do income-based, and my required payment will be about $3,000, and then we can take the remaining $7,000 and pay it directly at individual loans. Or should we cover the interest and then pay additional moneys towards other loans? Dave Ramsey: Okay. What will you be making as an orthodontist? Caller: About $250,000. Dave Ramsey: What does your fiancé do, and what will she be making? Caller: We actually just opened up an office, and she works in the office, so she's not taking any income out of the office. Dave Ramsey: Okay. So if you make $250,000 a year, why are you only putting $120,000 on your debt? Caller: The $250,000 I calculated pre-tax and everything else. We're going to put as much as we possibly can on the debt. And in the years to come as the income goes up, we're hoping to be able to make payments of $20,000-$40,000 a month. Dave Ramsey: Okay. I think the income-based option does not do away with interest, and so interest is going to be accruing greater than you're putting in. So you're not making any mathematical progress by doing the 3 and 7 idea, but you will make emotional progress because you'll be able to knock off some of the smaller ones. Caller: Right. Dave Ramsey: And God knows you're going to need some emotional progress in this process. And then the only other commentary I would just add is that, this is such an extreme situation. Your income is extreme, and your debt is extreme, that you have to be very, very careful to just act like you're a broke college student because you are a broke orthodontist. Caller: Right. Dave Ramsey: And so, that means you guys aren't going on vacations, you're not buying a house, you're not leasing a new BMW, you're not going to a restaurant. You have a $1,000,000 student loan debt. It gives me an anxiety attack, and it's not even my debt, but the horrible news is that ridiculous figure. The wonderful news is you have great income potential and a great income right now. So, you cannot relax. Caller: Right. Dave Ramsey: You have to cut as deeply as you can cut. Caller: Right. Dave Ramsey: And so, be dialing your taxes in. I don't want you to get behind on taxes. But other than taxes, and food, and water, and electricity, I really want everything else just going on student loan debt.

Caller: I just recently graduated from residency to become an orthodontist. And I have student loans that total just over $1 million. Dave Ramsey: You're kidding. Caller: No, sir. Dave Ramsey: What were you thinking? Caller: Well, I wasn't thinking, clearly. So I sat down and calculated my interest rates, and my interest is about $5,800 a month. My fiancé and I are trying to decide what's the best way to try to attack this. This first year, if we're able to pay $10,000 a month, I guess there's basically two ways that we thought of it. I can do income-based, and my required payment will be about $3,000, and then we can take the remaining $7,000 and pay it directly at individual loans. Or should we cover the interest and then pay additional moneys towards other loans? Dave Ramsey: Okay. What will you be making as an orthodontist? Caller: About $250,000. Dave Ramsey: What does your fiancé do, and what will she be making? Caller: We actually just opened up an office, and she works in the office, so she's not taking any income out of the office. Dave Ramsey: Okay. So if you make $250,000 a year, why are you only putting $120,000 on your debt? Caller: The $250,000 I calculated pre-tax and everything else. We're going to put as much as we possibly can on the debt. And in the years to come as the income goes up, we're hoping to be able to make payments of $20,000-$40,000 a month. Dave Ramsey: Okay. I think the income-based option does not do away with interest, and so interest is going to be accruing greater than you're putting in. So you're not making any mathematical progress by doing the 3 and 7 idea, but you will make emotional progress because you'll be able to knock off some of the smaller ones. Caller: Right. Dave Ramsey: And God knows you're going to need some emotional progress in this process. And then the only other commentary I would just add is that, this is such an extreme situation. Your income is extreme, and your debt is extreme, that you have to be very, very careful to just act like you're a broke college student because you are a broke orthodontist. Caller: Right. Dave Ramsey: And so, that means you guys aren't going on vacations, you're not buying a house, you're not leasing a new BMW, you're not going to a restaurant. You have a $1,000,000 student loan debt. It gives me an anxiety attack, and it's not even my debt, but the horrible news is that ridiculous figure. The wonderful news is you have great income potential and a great income right now. So, you cannot relax. Caller: Right. Dave Ramsey: You have to cut as deeply as you can cut. Caller: Right. Dave Ramsey: And so, be dialing your taxes in. I don't want you to get behind on taxes. But other than taxes, and food, and water, and electricity, I really want everything else just going on student loan debt.

Traeyz ♠️

72,785 次观看 • 1 个月前

Caller: I am 35, married with a kid and a second on the way. I have $1.8 million in debt total. Dave Ramsey: Good Lord. Caller: I live in Montreal, which is the third most expensive city in Canada, and I work as a nurse, which is the cheapest paid in the whole of Canada. Dave Ramsey: What is the 1.8 million on? I hope it's just your real estate. Caller: I have a triplex which I owe about $680,000 on, and my family home which I owe $590,000 on. Dave Ramsey: What's the triplex worth? Caller: The triplex is worth about $850,000. I'm trying to get $950,000 on it, but I don't know if I should lower the price. Dave Ramsey: So you've got it up for sale. And what is your home worth? Caller: My home is worth about $750,000. Dave Ramsey: Okay, that's not all of it. Caller: No, it's not. I have two Hondas which I owe close to $70,000 on each. I have $350,000 of personal debt, and $35,000 of credit card and student loans. Dave Ramsey: What is your $350,000 of personal debt? Caller: It was loaned to me mostly by my cousin, both as a down payment for the house as well as to renovate the house and the triplex. Dave Ramsey: Wow. And what's your household income? Caller: Around $110,000 to $120,000 before tax. Dave Ramsey: You owe $70,000 each on two Hondas? Caller: Yes. Dave Ramsey: So they're not worth 70? Caller: No, they're fairly new, but they're electric. We got them because we would be saving $500 in gas per car. Dave Ramsey: Yeah, that makes a difference when you're $2 million in debt. That's a big deal. Not! How can we help, hon? Caller: I had my aha moment when I saw $22,000 going out in one month after doing a budget, and I don't know what exactly to do. I tried to get my wife on board. She says she'll get rid of everything besides the house and the cars. I cut out everything from potato chips to haircuts, literally anything I could to curb the expenses. I wish I could do more jobs a day, but my doctor says that because I'm bipolar, I need to have a healthy work-life balance. And my wife is going on maternity leave in 12 weeks. Rachel Cruze: How much of her salary is the 120? Caller: She makes about $66,000. Rachel Cruze: So half of it. Is that paid maternity leave? Caller: She gets 70% paid. Rachel Cruze: For how long? Caller: For a year. Rachel Cruze: And how much are these car payments a month? Caller: Just under 750 each. Dave Ramsey: I think we need to have a different discussion at your kitchen table. It's not like, "what will she go along with?" She's one of the adults here too. The two of you need to sit down, look at this and go, "In 10 years, where do we want to be?" I'm collapsing under the weight of this. This is killing me, and it's aggravating your bipolar because your stress level is through the roof. It's not a matter of keeping a princess happy. The princess gets to grow up and be a woman.

Caller: I am 35, married with a kid and a second on the way. I have $1.8 million in debt total. Dave Ramsey: Good Lord. Caller: I live in Montreal, which is the third most expensive city in Canada, and I work as a nurse, which is the cheapest paid in the whole of Canada. Dave Ramsey: What is the 1.8 million on? I hope it's just your real estate. Caller: I have a triplex which I owe about $680,000 on, and my family home which I owe $590,000 on. Dave Ramsey: What's the triplex worth? Caller: The triplex is worth about $850,000. I'm trying to get $950,000 on it, but I don't know if I should lower the price. Dave Ramsey: So you've got it up for sale. And what is your home worth? Caller: My home is worth about $750,000. Dave Ramsey: Okay, that's not all of it. Caller: No, it's not. I have two Hondas which I owe close to $70,000 on each. I have $350,000 of personal debt, and $35,000 of credit card and student loans. Dave Ramsey: What is your $350,000 of personal debt? Caller: It was loaned to me mostly by my cousin, both as a down payment for the house as well as to renovate the house and the triplex. Dave Ramsey: Wow. And what's your household income? Caller: Around $110,000 to $120,000 before tax. Dave Ramsey: You owe $70,000 each on two Hondas? Caller: Yes. Dave Ramsey: So they're not worth 70? Caller: No, they're fairly new, but they're electric. We got them because we would be saving $500 in gas per car. Dave Ramsey: Yeah, that makes a difference when you're $2 million in debt. That's a big deal. Not! How can we help, hon? Caller: I had my aha moment when I saw $22,000 going out in one month after doing a budget, and I don't know what exactly to do. I tried to get my wife on board. She says she'll get rid of everything besides the house and the cars. I cut out everything from potato chips to haircuts, literally anything I could to curb the expenses. I wish I could do more jobs a day, but my doctor says that because I'm bipolar, I need to have a healthy work-life balance. And my wife is going on maternity leave in 12 weeks. Rachel Cruze: How much of her salary is the 120? Caller: She makes about $66,000. Rachel Cruze: So half of it. Is that paid maternity leave? Caller: She gets 70% paid. Rachel Cruze: For how long? Caller: For a year. Rachel Cruze: And how much are these car payments a month? Caller: Just under 750 each. Dave Ramsey: I think we need to have a different discussion at your kitchen table. It's not like, "what will she go along with?" She's one of the adults here too. The two of you need to sit down, look at this and go, "In 10 years, where do we want to be?" I'm collapsing under the weight of this. This is killing me, and it's aggravating your bipolar because your stress level is through the roof. It's not a matter of keeping a princess happy. The princess gets to grow up and be a woman.

Traeyz ♠️

1,767,326 次观看 • 26 天前

Caller: I have a gambling addiction. I haven’t filed taxes in five years. About five years ago, I had $200,000 in gambling winnings. After that, I haven’t filed anything. Dave Ramsey: Do you still have a career? Caller: I'm retired. Dave Ramsey: Okay. Do you have any money? Anything? Caller: I've got almost $10,000 in my savings account. Dave Ramsey: But you don't have a nest egg other than your pension. Caller: No. Dave Ramsey: Do you own a home? Caller: Yes. About $13,000 is remaining on the mortgage. Dave Ramsey: What is it worth? Caller: About $300,000. Dave Ramsey: And how much is your pension income? Caller: $95,000 a year. Dave Ramsey: That's good. Are you married? Caller: No. Dave Ramsey: Have you done something about the gambling addiction itself? Have you quit gambling? Caller: I have not. Dave Ramsey: Okay. So whatever we do is going to be a temporary fix because that is going to cause further problems. Agreed? Caller: Yes, absolutely. Dave Ramsey: What kind of gambling are you doing? Caller: Slot machines. Dave Ramsey: Are you lonely? Caller: Yeah. I've been single for quite a while. Dave Ramsey: How old are you? Caller: 61. Dave Ramsey: From working with people addicted to anything, I know that 100% of addicts eventually have financial problems. The addiction consumes every department of your life, including your financials. I can help you with the money parts of it, but it is a temporary fix until you deal with this. It's not bringing you joy. If you were my buddy sitting down over a cup of coffee, here is what I would tell you to do: Step 1: Get in touch with the Gamblers Anonymous folks in your area. Step 2: Find a good local church and start developing a personal relationship with a pastor who can walk with you. Step 3: Find a one-on-one professional counselor to help dig into what is really going on so you can get to the other side of this.

Caller: I have a gambling addiction. I haven’t filed taxes in five years. About five years ago, I had $200,000 in gambling winnings. After that, I haven’t filed anything. Dave Ramsey: Do you still have a career? Caller: I'm retired. Dave Ramsey: Okay. Do you have any money? Anything? Caller: I've got almost $10,000 in my savings account. Dave Ramsey: But you don't have a nest egg other than your pension. Caller: No. Dave Ramsey: Do you own a home? Caller: Yes. About $13,000 is remaining on the mortgage. Dave Ramsey: What is it worth? Caller: About $300,000. Dave Ramsey: And how much is your pension income? Caller: $95,000 a year. Dave Ramsey: That's good. Are you married? Caller: No. Dave Ramsey: Have you done something about the gambling addiction itself? Have you quit gambling? Caller: I have not. Dave Ramsey: Okay. So whatever we do is going to be a temporary fix because that is going to cause further problems. Agreed? Caller: Yes, absolutely. Dave Ramsey: What kind of gambling are you doing? Caller: Slot machines. Dave Ramsey: Are you lonely? Caller: Yeah. I've been single for quite a while. Dave Ramsey: How old are you? Caller: 61. Dave Ramsey: From working with people addicted to anything, I know that 100% of addicts eventually have financial problems. The addiction consumes every department of your life, including your financials. I can help you with the money parts of it, but it is a temporary fix until you deal with this. It's not bringing you joy. If you were my buddy sitting down over a cup of coffee, here is what I would tell you to do: Step 1: Get in touch with the Gamblers Anonymous folks in your area. Step 2: Find a good local church and start developing a personal relationship with a pastor who can walk with you. Step 3: Find a one-on-one professional counselor to help dig into what is really going on so you can get to the other side of this.

Traeyz ♠️

1,051,347 次观看 • 21 天前

Caller: “I’m 51 and i am tired of working, I have no retirement. What should i do”? Dave: What do you make, and what’s your debt? Caller: $75,000 a year. $25,000 left on my mortgage, and $20,000 on a Harley-Davidson. Dave: Sell the bike. Today. That payment’s killing you. Any life insurance? Caller: Term life, $100 a month. No kids, no dependents though. Dave: Drop it! you don’t need it. Now download EveryDollar, budget every dollar, and find $2,000 a month to invest. Between the bike and the insurance, you’re most of the way there already. Caller: That still feels like a lot. Dave: You’ve got 10 years until 67. Invest consistently, your house gets paid off, and you’ll be secure Dave says he can still be a millionaire, there is more time.

Caller: “I’m 51 and i am tired of working, I have no retirement. What should i do”? Dave: What do you make, and what’s your debt? Caller: $75,000 a year. $25,000 left on my mortgage, and $20,000 on a Harley-Davidson. Dave: Sell the bike. Today. That payment’s killing you. Any life insurance? Caller: Term life, $100 a month. No kids, no dependents though. Dave: Drop it! you don’t need it. Now download EveryDollar, budget every dollar, and find $2,000 a month to invest. Between the bike and the insurance, you’re most of the way there already. Caller: That still feels like a lot. Dave: You’ve got 10 years until 67. Invest consistently, your house gets paid off, and you’ll be secure Dave says he can still be a millionaire, there is more time.

_Chase😈

4,331,392 次观看 • 1 个月前

How can you be a multi millionaire and be such a dirty tramp.🤮 Most of us have much less to play with but make sure we’re 100% clean, is this just part of his lefty act?

How can you be a multi millionaire and be such a dirty tramp.🤮 Most of us have much less to play with but make sure we’re 100% clean, is this just part of his lefty act?

Matt Casey 🏴󠁧󠁢󠁥󠁮󠁧󠁿 🇬🇧

26,123 次观看 • 3 个月前