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This is a classic question — and one I’ve answered a thousand times because the math never changes. You get a signing bonus? Pay down your debt first. That spine surgeon’s education is what earned the bonus, and the debt is the bill. Don’t kid yourself thinking the market’s... show more

Kevin O'Leary aka Mr. Wonderful

1,173,680 subscribers

150,032 次观看 • 1 年前 •via X (Twitter)

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11 条评论

I Meme Therefore I Am 🇺🇸 的头像

I Meme Therefore I Am 🇺🇸1 年前

Kevin, at first, you were probably one of my least favorite Sharks. But over the years, that completely changed. You didn’t just grow on me—you became one of my favorite businessmen. I can’t get enough of your no-nonsense approach. You say what others won’t, and I respect the hell out of that.

Saving Advice - Money & Finances 的头像

Saving Advice - Money & Finances1 年前

It’s not you—it’s your budgeting app. Ditch the complexity and discover intuitive tools that simplify saving and spending. Find the best budgeting apps in our article!

KissMyAssault 的头像

KissMyAssault1 年前

So happy you’re kicking ass everyday. You are the true shark.

🐝 Nike 🐝 的头像

🐝 Nike 🐝1 年前

Loving the advice, so crucial for many people to hear.

AJ Freeman 的头像

AJ Freeman1 年前

Kevin is the man!! Love this guy!

MomToJust1Cat 🇺🇸 🐈‍⬛ 的头像

MomToJust1Cat 🇺🇸 🐈‍⬛1 年前

I am totally digging the pink plaid pajamas.

DiabloTech 的头像

DiabloTech1 年前

people always feel that way even in dot com boom because they think they are smart enough…. most lose out and stilll has that debt decade - Dave Ramsey is correct all along

joey_amazin 的头像

joey_amazin1 年前

Lol giving financial advice in your boxer shorts!!! 🤣🤣🤣

jayocrest74691 的头像

jayocrest746911 年前

The PYJAMAS with suit "joke" looks STUPID! why do you keep doing this?

k 的头像

k1 年前

What’s going on with those pants?

Connor Overachiever 的头像

Connor Overachiever1 年前

Debt first—always. The market’s 8% fantasy won’t save you from compounding reality. Pay now, breathe later.

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Dave Ramsey was asked a simple hypothetical. Would you take a billion dollars at 0% interest for 10 years? He said no. Not because the math was bad. Because he does not borrow money. Period. No exceptions. And that is the problem. There is a difference between bad debt and good debt. Bad debt costs you money. Good debt makes you money. A loan covered by tenants is not a liability. It is a wealth building machine that someone else is paying off for you. Refusing all debt does not protect you. It just keeps you from building anything. The question is never whether to use debt. The question is whether the debt is covered.

Dave Ramsey was asked a simple hypothetical. Would you take a billion dollars at 0% interest for 10 years? He said no. Not because the math was bad. Because he does not borrow money. Period. No exceptions. And that is the problem. There is a difference between bad debt and good debt. Bad debt costs you money. Good debt makes you money. A loan covered by tenants is not a liability. It is a wealth building machine that someone else is paying off for you. Refusing all debt does not protect you. It just keeps you from building anything. The question is never whether to use debt. The question is whether the debt is covered.

Ken McElroy

19,697 次观看 • 3 个月前

Caller: “My boyfriend makes $250K yearly, and he says he won't marry me until I've paid off all my debt. I'm feeling a lot of pressure because I'm struggling to get it all paid off on my own, and I'm just looking for advice on how to handle this ultimatum.” Dave Ramsey: “He’s doing you a massive favor.” Dave Ramsey: “Marriage is a legal and financial union. If you bring a mountain of debt into a marriage, you aren't just bringing your baggage; you’re shackling your future partner to your financial mistakes before you’ve even started.” “Don’t look at this as an ultimatum; look at it as a standard. You should want to be financially healthy before you walk down that aisle, not just for him, but for the foundation of your future family.” “If you can’t get your act together and clear this debt now, you aren’t ready for the responsibilities of marriage. Take this time to get gazelle-intense, clear the slate, and enter your marriage as a partner who is bringing total financial freedom to the table.”

Caller: “My boyfriend makes $250K yearly, and he says he won't marry me until I've paid off all my debt. I'm feeling a lot of pressure because I'm struggling to get it all paid off on my own, and I'm just looking for advice on how to handle this ultimatum.” Dave Ramsey: “He’s doing you a massive favor.” Dave Ramsey: “Marriage is a legal and financial union. If you bring a mountain of debt into a marriage, you aren't just bringing your baggage; you’re shackling your future partner to your financial mistakes before you’ve even started.” “Don’t look at this as an ultimatum; look at it as a standard. You should want to be financially healthy before you walk down that aisle, not just for him, but for the foundation of your future family.” “If you can’t get your act together and clear this debt now, you aren’t ready for the responsibilities of marriage. Take this time to get gazelle-intense, clear the slate, and enter your marriage as a partner who is bringing total financial freedom to the table.”

HENRY

217,781 次观看 • 4 个月前

There is a price for not seeing yourself in a book. Kids pay it every day. That bill doesn’t just go away. It’s a part of you. It’s like a credit card debt, except it robs you at the core of your identity. #RepresentationMatters #Freadom #FinallySeen #FrontDeskSeries

There is a price for not seeing yourself in a book. Kids pay it every day. That bill doesn’t just go away. It’s a part of you. It’s like a credit card debt, except it robs you at the core of your identity. #RepresentationMatters #Freadom #FinallySeen #FrontDeskSeries

Kelly Yang

20,430 次观看 • 3 年前

Dave Ramsey says all debt is stupid. Credit cards, student loans, car payments, borrowing against your house. All of it. He says your income is your number one wealth-building tool, and the second you hand it to someone else, you give up your economic future. He is half right. On credit cards, I agree completely. You are paying 28 to 30% on that. But notice what he never mentions. Cost of capital. That is the whole game, and he skips it. High-priced student debt, fine. But my own loans were at 3%, and they were the only way I got into college. I paid them back over time. That was a good investment, not a stupid one. Where he is dead wrong is real estate. Debt on real estate lets you use other people's money to buy an asset that pays for itself. That is what he misses. His whole philosophy depends on you earning more income. But with wages growing 3% while inflation runs 3%, you never get ahead. You run in place like a rat in a wheel, the exact thing he is warning you about. The only way out is to own hard assets that produce cash flow, and you buy those with debt. Here is the difference between us. He thinks all debt is bad. I think debt is a tool. Good debt and bad debt, high cost and low cost, and that difference is everything. He once said he would not take a billion dollars at zero interest. A billion dollars, costing him nothing. Put it in Treasuries and that is 30 to 40 million a year for doing nothing. He said he would pass. That is lunacy. When I borrow on real estate, someone else covers it. Always. The office building you work in and the Starbucks you walk into all carry debt, and the tenants pay it back. I own a single-family house, my tenant pays off the loan. I do not pay it. I do not need more income. I just need to keep a good tenant in that house. And yes, you get vacancies and turnover and the occasional problem tenant, but that is what management is for. He never had to learn that, because he does not use debt. And here is the part almost nobody gets. It is your money anyway. The cash sitting in your retirement account or your bank is yours. You are just borrowing it back at a lower rate and finding a tenant to cover it. That is why I disagree with him on debt. Used right, it is not the enemy. It is the entire engine.

Dave Ramsey says all debt is stupid. Credit cards, student loans, car payments, borrowing against your house. All of it. He says your income is your number one wealth-building tool, and the second you hand it to someone else, you give up your economic future. He is half right. On credit cards, I agree completely. You are paying 28 to 30% on that. But notice what he never mentions. Cost of capital. That is the whole game, and he skips it. High-priced student debt, fine. But my own loans were at 3%, and they were the only way I got into college. I paid them back over time. That was a good investment, not a stupid one. Where he is dead wrong is real estate. Debt on real estate lets you use other people's money to buy an asset that pays for itself. That is what he misses. His whole philosophy depends on you earning more income. But with wages growing 3% while inflation runs 3%, you never get ahead. You run in place like a rat in a wheel, the exact thing he is warning you about. The only way out is to own hard assets that produce cash flow, and you buy those with debt. Here is the difference between us. He thinks all debt is bad. I think debt is a tool. Good debt and bad debt, high cost and low cost, and that difference is everything. He once said he would not take a billion dollars at zero interest. A billion dollars, costing him nothing. Put it in Treasuries and that is 30 to 40 million a year for doing nothing. He said he would pass. That is lunacy. When I borrow on real estate, someone else covers it. Always. The office building you work in and the Starbucks you walk into all carry debt, and the tenants pay it back. I own a single-family house, my tenant pays off the loan. I do not pay it. I do not need more income. I just need to keep a good tenant in that house. And yes, you get vacancies and turnover and the occasional problem tenant, but that is what management is for. He never had to learn that, because he does not use debt. And here is the part almost nobody gets. It is your money anyway. The cash sitting in your retirement account or your bank is yours. You are just borrowing it back at a lower rate and finding a tenant to cover it. That is why I disagree with him on debt. Used right, it is not the enemy. It is the entire engine.

Ken McElroy

38,406 次观看 • 3 个月前

Money is debt, and debt is money. It confuses a lot of people when I say that, but the mechanics are fairly straightforward. A debt instrument is just a promise to deliver money in the future. What that money is worth determines the value of what you’re holding. That’s why currency valuation is so critical, and why I think people need to pay more attention to it when thinking about the broader economy. Nikhil Kamath

Money is debt, and debt is money. It confuses a lot of people when I say that, but the mechanics are fairly straightforward. A debt instrument is just a promise to deliver money in the future. What that money is worth determines the value of what you’re holding. That’s why currency valuation is so critical, and why I think people need to pay more attention to it when thinking about the broader economy. Nikhil Kamath

Ray Dalio

247,313 次观看 • 5 个月前

My top 5 rules of investing are simple. Never get too concentrated. Keep debt under control. Stay liquid. Protect the principal and live off the cash flow. And never own an investment that doesn’t pay you. Wealth is not just about how much you own. It is about protecting your capital, staying flexible, and making sure your money keeps working for you.

My top 5 rules of investing are simple. Never get too concentrated. Keep debt under control. Stay liquid. Protect the principal and live off the cash flow. And never own an investment that doesn’t pay you. Wealth is not just about how much you own. It is about protecting your capital, staying flexible, and making sure your money keeps working for you.

Kevin O'Leary aka Mr. Wonderful

40,596 次观看 • 1 个月前

"The club is losing money because it's in debt because of the nobhead owners that you and your mate, Sir Jim, rescued!" 💰 #mufc

"The club is losing money because it's in debt because of the nobhead owners that you and your mate, Sir Jim, rescued!" 💰 #mufc

The United Stand

156,594 次观看 • 1 年前

Fine: When you're $40 trillion in debt and the things that you're paying for are being borrowed from your children and grandchildren, the question is no longer whether something is a good idea. The question is it worth driving us further into debt to do it.

Fine: When you're $40 trillion in debt and the things that you're paying for are being borrowed from your children and grandchildren, the question is no longer whether something is a good idea. The question is it worth driving us further into debt to do it.

Acyn

35,900 次观看 • 2 个月前

The number one reason for breakups in marriage is not infidelity, it's financial pressure. It's one partner outspending the other. This really matter in the first three years of a marriage, because you can see disastrous outcomes if somebody is a spendaholic and the other is not, and they never discuss this or talked about their financial goals in the first place. The first child you have in a marriage is money. You both have to have separate bank accounts. You should fund a mutual one that pays for mutual expenses, but keep all of your financial structure intact under your own name, and that's very important.

The number one reason for breakups in marriage is not infidelity, it's financial pressure. It's one partner outspending the other. This really matter in the first three years of a marriage, because you can see disastrous outcomes if somebody is a spendaholic and the other is not, and they never discuss this or talked about their financial goals in the first place. The first child you have in a marriage is money. You both have to have separate bank accounts. You should fund a mutual one that pays for mutual expenses, but keep all of your financial structure intact under your own name, and that's very important.

Kevin O'Leary aka Mr. Wonderful

31,340 次观看 • 1 年前

Most investors think paying off debt is the safe move. That is backwards. The rule: never pay off the debt, unless the asset stops growing faster than the debt itself. As long as the asset outpaces the loan, the debt stays open forever. Because debt is not the risk. Idle equity is. The real question is not how much leverage can you take. It is how hard do you actually need to push to hit your number, and for how long. Mark Moss

Most investors think paying off debt is the safe move. That is backwards. The rule: never pay off the debt, unless the asset stops growing faster than the debt itself. As long as the asset outpaces the loan, the debt stays open forever. Because debt is not the risk. Idle equity is. The real question is not how much leverage can you take. It is how hard do you actually need to push to hit your number, and for how long. Mark Moss

Ken McElroy

39,699 次观看 • 2 个月前

THE DEBT BOMB IS ABOUT TO DETONATE Economists are warning what politicians refuse to admit: The U.S. could hit $1 TRILLION a year in interest payments — not by 2030, but by the end of THIS YEAR. That means America will soon spend more on interest than on defense, health care, or education combined. Peter Schiff warned: “This is unsustainable. The debt is going up, interest rates are going up, and a crisis is coming.” Here’s what’s unfolding: 1) Foreign buyers are losing confidence in the dollar. 2) The Fed steps in — printing money to buy the debt. 3) Printing money drives inflation even higher. 4) Inflation destroys the dollar’s value. It’s a spiral with only two endings: default or hyperinflation. And when the dollar burns, everything tied to it burns too — savings, pensions, property, food costs, and global stability. WHAT THIS MEANS: • A currency crisis is not a theory — it’s a timeline. • Politicians will print their way out… until your money is worthless. Prepare while you still can. Protect your assets, your family, and your future. Join Freedom Train International — because the system won’t warn you before it collapses.

THE DEBT BOMB IS ABOUT TO DETONATE Economists are warning what politicians refuse to admit: The U.S. could hit $1 TRILLION a year in interest payments — not by 2030, but by the end of THIS YEAR. That means America will soon spend more on interest than on defense, health care, or education combined. Peter Schiff warned: “This is unsustainable. The debt is going up, interest rates are going up, and a crisis is coming.” Here’s what’s unfolding: 1) Foreign buyers are losing confidence in the dollar. 2) The Fed steps in — printing money to buy the debt. 3) Printing money drives inflation even higher. 4) Inflation destroys the dollar’s value. It’s a spiral with only two endings: default or hyperinflation. And when the dollar burns, everything tied to it burns too — savings, pensions, property, food costs, and global stability. WHAT THIS MEANS: • A currency crisis is not a theory — it’s a timeline. • Politicians will print their way out… until your money is worthless. Prepare while you still can. Protect your assets, your family, and your future. Join Freedom Train International — because the system won’t warn you before it collapses.

Jim Ferguson

21,908 次观看 • 11 个月前

Trump: "You grow yourself out of that debt, it's not a question of paying it." The only way for the US to outgrow its debt is massive stimulus. Are you prepared?

Trump: "You grow yourself out of that debt, it's not a question of paying it." The only way for the US to outgrow its debt is massive stimulus. Are you prepared?

Satoshi Stacker

77,085 次观看 • 1 年前

So the discourse around this Dave Ramsey clip is so mixed up that I’ve just decided to upload the whole thing. In the full context of the call, the caller makes it perfectly obvious that: 1. She has been with this man, whom she is now living with, for six years. 2. She is a nurse and can make her own money. 3. She has been out of school for two years, and in that time she has paid off $70,000 of the debt. In the course of the call, Dave never suggests that this man should have to pay for that debt. Indeed, he actively suggests that she leave him, which guarantees he will not pay for the debt. Dave also all but says that, because of her career choice, the caller will be able to pay for the debt on her own, even if she has to take extra hours. All Dave is saying—and this should have been obvious from the original clip—is that the two are not aligned on money and debt at all. It is also clear that Dave thinks the man is stringing her along, which he is. So they simply should not be married at all, because this is a fundamental failure in the relationship. I myself would add that, at this late stage in the relationship, if you do not trust a woman financially, you should simply not be with that woman. And that is perfectly fine. But what you do not do is drag her along for six years when she obviously wants to get married, and then put another two or three years of financial hoops in front of her so that maybe you will propose. It is a waste of everybody’s time.

So the discourse around this Dave Ramsey clip is so mixed up that I’ve just decided to upload the whole thing. In the full context of the call, the caller makes it perfectly obvious that: 1. She has been with this man, whom she is now living with, for six years. 2. She is a nurse and can make her own money. 3. She has been out of school for two years, and in that time she has paid off $70,000 of the debt. In the course of the call, Dave never suggests that this man should have to pay for that debt. Indeed, he actively suggests that she leave him, which guarantees he will not pay for the debt. Dave also all but says that, because of her career choice, the caller will be able to pay for the debt on her own, even if she has to take extra hours. All Dave is saying—and this should have been obvious from the original clip—is that the two are not aligned on money and debt at all. It is also clear that Dave thinks the man is stringing her along, which he is. So they simply should not be married at all, because this is a fundamental failure in the relationship. I myself would add that, at this late stage in the relationship, if you do not trust a woman financially, you should simply not be with that woman. And that is perfectly fine. But what you do not do is drag her along for six years when she obviously wants to get married, and then put another two or three years of financial hoops in front of her so that maybe you will propose. It is a waste of everybody’s time.

CTrefugees

135,314 次观看 • 5 个月前

Togi says your window of opportunity is a pinhole by the time you're 30 and it's impossible to argue with "The real risk in this life is not taking the quote unquote risk right because your window of opportunity is closing. And when you're on your deathbed you're not going to be thinking oh thank goodness that no one ever saw me fail. You're going to be thinking holy sh*t, I never got to see myself shine..." "Because then the bills pile up and you're more and more every month locked into this job because the system it hardens. The pressure once you're in the job, you get a slight bonus at the end of the year and now rent is going up and you now have whatever" "You turn 25, you got to pay for your own health insurance. It hardens, hardens, hardens and now you have a kid, at 30 years old you're locked in"

Togi says your window of opportunity is a pinhole by the time you're 30 and it's impossible to argue with "The real risk in this life is not taking the quote unquote risk right because your window of opportunity is closing. And when you're on your deathbed you're not going to be thinking oh thank goodness that no one ever saw me fail. You're going to be thinking holy sh*t, I never got to see myself shine..." "Because then the bills pile up and you're more and more every month locked into this job because the system it hardens. The pressure once you're in the job, you get a slight bonus at the end of the year and now rent is going up and you now have whatever" "You turn 25, you got to pay for your own health insurance. It hardens, hardens, hardens and now you have a kid, at 30 years old you're locked in"

katsu

107,393 次观看 • 5 个月前

Dave Ramsey tells a 26-year-old millionaire to skip the prenup and pay off his fiancée's $150,000 debt instead "If I were in your shoes, I would get so comfortable with this lady in order to marry her that I don't need a prenup. You don't have enough net worth to fool with it" The debt: "she will be coming out of school with about 120,000 to 150,000 in debt" The solution: "you got 350,000 in a college account, you can use it for your spouse, and I'd pay off that debt in about 20 seconds" The problem with prenups: "it's kind of got one foot in the boat, one on the dock... I want you to go all in. What it does, it keeps people from going deep" The commitment: "the only chance you have in a culture that hates marriage for your marriage to last is you gotta be willing to die for 'em. You gotta be willing to take a bullet for 'em" "If you can't get $600,000 worth of comfortable with somebody, you don't need to marry them"

Dave Ramsey tells a 26-year-old millionaire to skip the prenup and pay off his fiancée's $150,000 debt instead "If I were in your shoes, I would get so comfortable with this lady in order to marry her that I don't need a prenup. You don't have enough net worth to fool with it" The debt: "she will be coming out of school with about 120,000 to 150,000 in debt" The solution: "you got 350,000 in a college account, you can use it for your spouse, and I'd pay off that debt in about 20 seconds" The problem with prenups: "it's kind of got one foot in the boat, one on the dock... I want you to go all in. What it does, it keeps people from going deep" The commitment: "the only chance you have in a culture that hates marriage for your marriage to last is you gotta be willing to die for 'em. You gotta be willing to take a bullet for 'em" "If you can't get $600,000 worth of comfortable with somebody, you don't need to marry them"

3rdeye👁️🇪🇸

42,763 次观看 • 4 个月前

Economist Prof. Steve Keen explains how America could theoretically wipe out household debt by giving every adult roughly $100,000 — with one major condition: “To get rid of all American household debt, for example, leaving corporate debt where it is, you’d need to give every American adult about $100,000. That would not create money, because you’d get the money on condition you pay down your private debt. So it would be a way of not creating money, but reducing the debt burden. I can work it out, and technically it works, but it involves such a political shift I can’t see it happening.”

Economist Prof. Steve Keen explains how America could theoretically wipe out household debt by giving every adult roughly $100,000 — with one major condition: “To get rid of all American household debt, for example, leaving corporate debt where it is, you’d need to give every American adult about $100,000. That would not create money, because you’d get the money on condition you pay down your private debt. So it would be a way of not creating money, but reducing the debt burden. I can work it out, and technically it works, but it involves such a political shift I can’t see it happening.”

DeVory Darkins

34,999 次观看 • 1 个月前

David Sacks: Debt makes your company more fragile Friedberg: “I hate this business. I think venture debt's the worst vulture-like business in Silicon Valley. “ Sacks: “Right. I've always hated when founders take on venture debt. Part of it is that founders forget that they have to pay it back. They treat it like venture capital and they forget about that, and then they get surprised. But the other thing I've never liked about it is it makes you more fragile. It basically subjects you to a bunch of business covenants, and it makes it harder for you to do an abrupt shift in your business, because now you've got a bank looking over your shoulder and they want to make sure they get paid, and they have to review your financials and all the rest of it. And to your point, J Cal, the companies that have free cash flow right now are the ones that again, have the most maneuverability. I hate taking away maneuverability from founders, and that is what debt does because it subjects you to a fixed schedule of payments. And so this is always a thing to remember, whether you're a business or you are an individual, when you put on that debt, it makes you more vulnerable to big disruptions in the market.”

David Sacks: Debt makes your company more fragile Friedberg: “I hate this business. I think venture debt's the worst vulture-like business in Silicon Valley. “ Sacks: “Right. I've always hated when founders take on venture debt. Part of it is that founders forget that they have to pay it back. They treat it like venture capital and they forget about that, and then they get surprised. But the other thing I've never liked about it is it makes you more fragile. It basically subjects you to a bunch of business covenants, and it makes it harder for you to do an abrupt shift in your business, because now you've got a bank looking over your shoulder and they want to make sure they get paid, and they have to review your financials and all the rest of it. And to your point, J Cal, the companies that have free cash flow right now are the ones that again, have the most maneuverability. I hate taking away maneuverability from founders, and that is what debt does because it subjects you to a fixed schedule of payments. And so this is always a thing to remember, whether you're a business or you are an individual, when you put on that debt, it makes you more vulnerable to big disruptions in the market.”

The All-In Podcast

79,095 次观看 • 5 个月前