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🔊 ... Dave Ramsey vs Millennials ... This guy commenting on Dave Ramsey's "advice" is hilarious. Boomer advice from Dave Ramsey does not seem at all welcome by the Millennial crowd. Is Dave Ramsey just obsolete at this point? His generation just doesn't understand the differences between then and... show more

Wall Street Mav

1,729,001 subscribers

10,752,792 次观看 • 3 年前 •via X (Twitter)

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10 条评论

Craig Chamberlin 的头像

Craig Chamberlin3 年前

Nothing has changed. Compound interest is still the same. Dave’s advice is just as good as it ever was.

Wall Street Mav 的头像

Wall Street Mav3 年前

✅

Catturd ™ 的头像

Catturd ™3 年前

Dave Ramsay’s net worth … $280 million Broke millennial dude crying about Dave Ramsey probable net worth - $45.13 Which one to listen to should be a no brainer unless you’re a complete idiot - 😂

MarciJoy 的头像

MarciJoy3 年前

This guy just isn’t facing reality. He says boomers got stuff cheap so it’s not fair! Maybe he doesn’t realize that boomers just didn’t complain every time they stubbed their toe - and didn’t expect to have a $200K job and a $500K house handed to them - with no experience.

Wall Street Mav 的头像

Wall Street Mav3 年前

✅✅✅

Crypto After Dark 的头像

Crypto After Dark3 年前

I've never liked Dave ramsey's financial advice, because it takes away your ability to leverage debt. Debt is a great tool as long as it is not abused or used wrongfully.

Wall Street Mav 的头像

Wall Street Mav3 年前

@PresupPerry ✅✅✅

Sunny Po 的头像

Sunny Po3 年前

I’ve yet to meet a single boomer who will acknowledge the declining purchasing power of the dollar. Not one.

Shibetoshi Nakamoto 的头像

Shibetoshi Nakamoto3 年前

boomers have only stupid things to say about finances

Wall Street Mav 的头像

Wall Street Mav3 年前

🔥🔥🔥

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A woman asked Dave Ramsey if she should split her inheritance with the sister their mother left out of the will Caller: I have an inheritance, and my sister was left out of the will. Dave Ramsey: Whoa… why? Caller: I think there’s been conflict along the years that never got resolved. My mom was very strong-willed, and she just had enough. Dave Ramsey: So your mom was not in a relationship with your sister, and chose not to leave her anything as a result? Caller: Exactly. Dave Ramsey: Well, that sounds reasonable. Caller: Oh wow, okay. Dave Ramsey: Why would your mom leave something to somebody that doesn’t speak to her? Caller: She said, “Are you going to split this with me? I just want to know. Because if you’re not, that means you agree with Mom.” George Kamel: We’re not taking that guilt trip. No, thank you. That’s on her. Dave Ramsey: You not giving her money is not cutting the relationship off. She is choosing to cut the relationship off. Caller: Oh, that makes sense. Dave Ramsey: You didn’t choose. She chose. I’m sorry, it hurts, though. Dave Ramsey: She’s not really interested in a relationship with you. She’s just interested in money. Am I wrong? Caller: You’re spot on. Dave Ramsey: It still hurts because it’s your sister. But you didn’t cause any of it.

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Caller: “We’re about $34,000 in credit card debt, and we have an $11,000 loan on our car and about $100,000 in student loans combined.” Dave Ramsey: “OK. And what’s your household income?” Caller: “About $28,000.” Dave Ramsey: “Huh? A year?” Caller: “Yeah.” Dave Ramsey: “OK. Who’s not working?” Caller: “Me.” Dave Ramsey: “Why?” Caller: “My daughter is at home and I’m suffering from anxiety.” Dave Ramsey: “Alright. Let me give you a couple of facts. Student loans are not bankruptable, so after bankruptcy you’ll still have $100,000 in student loan debt. Your household income is $28,000. Y’all are starving to death, and bankruptcy will not fix your income problem. “If you keep the car, you’ll still have the $11,000 car loan. So really, the only debt bankruptcy clears is the $34,000 in credit cards.” “Who sued you over the credit card?” Caller: “Credit One Bank.” Dave Ramsey: “OK. And how much do you owe them?” Caller: “$1,006.” Dave Ramsey: “OK. The third fact is debt relief attorneys are generally bankruptcy attorneys. If you ask a bankruptcy attorney if you’re bankrupt, that’s like asking a dog if it’s hungry. “So the advice you were getting was self-serving. If you’re keeping the car, you’re really not filing bankruptcy on much. And it’s a $1,000 lawsuit that’s triggering all this. “You have a household income of $28,000, which is less than half the typical household income in America. I’m not shaming you. I’m just saying you guys have an income issue.” Dave Ramsey: “What’s your husband do for a living?” Caller: “He works at a car dealership.” Dave Ramsey: “Doing what?” Caller: “Driving cars.” Dave Ramsey: “33 hours a week? And how old are you guys?” Caller: “We’re in our 40s.” Dave Ramsey: “OK. I’m not a mental health professional, and I know anxiety is real. I’m not qualified to tell you when you can go back to work. “But I am qualified to tell you your family needs income. Thirty-three hours a week is not enough when your family is this broke. Your husband needs more work. He’s in his 40s, and I don’t want him in his 50s still making $28,000 a year driving cars.”

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A coffee shop owner making $750K a year asks Dave Ramsey which debt he should pay off first: Caller: "My wife and I own some coffee shops. We have about 100 employees, did $4.2 million last year, and we're unsure whether to attack our personal debt or our business debt first." Dave Ramsey: "Well... they're all personal. The SBA loans were signed personally." Caller: "We've got about $270,000 in vehicle loans..." Dave Ramsey: "How many vehicles?" Caller: "Four. The bulk of that is our personal vehicles. They're very expensive." Dave Ramsey: "You made $4.2 million. What was your net profit?" Caller: "About 15%. I also have a day job making about $250,000." Dave Ramsey: "So you've got a $750,000 household income?" Caller: "Yes." Dave Ramsey: "And the SBA loans?" Caller: "About $1 million." Dave Ramsey: "Other debt?" Caller: "$55,000 to the IRS, a $1.9 million mortgage, a $200,000 HELOC, and a $280,000 flip house." Dave Ramsey: "You're a busy guy. You're flipping houses, running 11 coffee shops, and have a full-time job."

A coffee shop owner making $750K a year asks Dave Ramsey which debt he should pay off first: Caller: "My wife and I own some coffee shops. We have about 100 employees, did $4.2 million last year, and we're unsure whether to attack our personal debt or our business debt first." Dave Ramsey: "Well... they're all personal. The SBA loans were signed personally." Caller: "We've got about $270,000 in vehicle loans..." Dave Ramsey: "How many vehicles?" Caller: "Four. The bulk of that is our personal vehicles. They're very expensive." Dave Ramsey: "You made $4.2 million. What was your net profit?" Caller: "About 15%. I also have a day job making about $250,000." Dave Ramsey: "So you've got a $750,000 household income?" Caller: "Yes." Dave Ramsey: "And the SBA loans?" Caller: "About $1 million." Dave Ramsey: "Other debt?" Caller: "$55,000 to the IRS, a $1.9 million mortgage, a $200,000 HELOC, and a $280,000 flip house." Dave Ramsey: "You're a busy guy. You're flipping houses, running 11 coffee shops, and have a full-time job."

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