12 Things to Do Differently with Money in 2023 with Dave Ramsey

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Title	:	12 Things to Do Differently with Money in 2023 with Dave Ramsey
Lasting	:	31.44
Date of publication	:
Views	:	651 rb

Wondering if there is a Dave Ramsey Canadian??
Comment from : Carla Sieb

What is the maximum amount of money you would leave in a checking account, before opening a savings account?
Comment from : Angela Morris

I need help getting started w/ the budget All of those annual, semi-annual, misc expense I can't seem to figure it out I feel as if I make decent money Inflation is causing havoc Love to get some help!
Comment from : Mama T

This was me a year ago Using my emergency fund to continue to live my life in the same way, even though I had took a payout at work! It took me 6 months to realize what was happening, and now I'm in the process of rebuilding, with wisdom!
Comment from : Andrea Hankerson

Ragged jeans???
Comment from : Cande Carroll

OMG, she is your daughter? so cute! Sorry , just found out you exist Im 55late to this game but i will try
Comment from : Vali C

Putting well-earned money into the stock market can be over emphasized for first-time investors, unlike a bank where interest is sure thing! Well, basically times are uncertain, the market is out of control, and banks are gradually failing I am working on a ballpark estimate of $5M for retirement, and I have a good 6-figure loaded up for this, could there be any opportunity for a boomer like me? I'm nearly 60
Comment from : Classicphotos

I'm not kidding when I say that the market crash and high inflation have me really stressed out and worried about retirement I've been in the red for a while now and although people say these crisis has it perks, I'm losing my mind but I get it Investing is a long-term game It's just hard to focus on the long term playbook when I'm already in a massive loss
Comment from : Andrian

Despite the fact that stock prices fluctuate, what is the best method for capitalizing on the current market? I'm still undecided about investing $400k in my stock portfolio
Comment from : Clara Lynn

These are just commercials for his products
Comment from : dhrdan

I think the two of you father and daughter are so adorable that’s besides all of the great advice Thank you
Comment from : Jill Pickle

$9 t-shirt😂 4 easy payments
Comment from : kray kray

OMG his voice & wisdom is soooo comforting & motivating ❤❤❤
Comment from : Sonya Jeffcoat

Hi Dave, my name is Ruben Torres I have a question we are planning to build a house in Belice and we have saved money to pay cash for the build but we still owe money in the house that we’re currently living in which a balance of 200,000 we’d like to keep the house in the states what would you suggest we should do?
Comment from : Ruben Torres

❤❤❤❤
Comment from : Princess

I hate the buy now pay later Didn't work on a smart person just annoys us
Comment from : crazyleaf

I can't stand the rocket money ads and others for apps that help you find subscriptions that you supposedly don't know you're still paying on How many irresponsible people are there out there that don't look at their bank account or their credit card and see payments coming out and get emails about them and not see that? Either people are stupider than I thought or this app is a really bad business idea
Comment from : crazyleaf

Why do 90 of millionaires use credit cards were supposed to follow a millionaires? And look at what they do Source montly fool
Comment from : Chris Frederic

Hi Rachel, I am rather disappointed with your admission regarding mindless purchases on Amazon, where you are not even sure of the reason for purchasing the stuff and the ease with which you purchase a pizza with applepayMmmm food for thought on my partbrThis is not how I would want to start any day never mind a year
Comment from : bidzbuzz

My wife decided to downsize after our son moved out We sold our home and purchased a condo I miss my beautiful home that was nestled on a acre and a half in a rural area, but we are finally debt freebrNo house, car or credit card debt brI hope i get used to going back to city living Im grateful it's very quite where we moved; especially when i sit on my front porch rocking on my rocking chair!
Comment from : Enzo T

In the Every Dollar, do you use the gross income or net income to set your budget?
Comment from : Elizabeth Goff

Thank you for the good teaching
Comment from : Ivete Moon

My husband and I have been married for 20 years we have never been in debt Mostly paid cash upfront for whatever we could do Have a few years left to pay on our house Kids have jobs at a young age the youngest is too young Keeping the money flow is important and teaching kids how to budget has really work for us😊
Comment from : Carrie Harrison

They are trading student debt like they traded mortgage back securities, that's why they won't forgive As for if you promise to pay off debt, pay it, keep that same energy for reparations and 40 acres and a mule
Comment from : gsdblack1

It's not just making a budget, it's keeping the budget!
Comment from : Elizabeth Harris

Such a shame I steer everyone away from Dave Ramsey now Just shut up and quit bringing politics and religion in on how to save money It has become comical
Comment from : Lauren Robinson

i realized my money doesnt grow and inflation keeps going up and over the years my raise is not catching up w inflation i can save but i am not saving fast enough to buy a house my wholebrfamily gifted money and helped me buy my furst house with rental income from the home i am finally saving more money and it seems to have potential to grow so investment is important instead of just saving from a job i am interested in investment in a fund to helping my money grow on a stable interest
Comment from : Stella N

I enjoy listening to you Rachel! Thanks
Comment from : LaShonda

You are cocky
Comment from : Andres Vicente

I love rule 8: Don't stop investing But invest in what you understand only Some of the non-tech that I think are positioned to go really up are Home Depot, Delta Airlines, Pool Corp, etc It's summer anyway I'll be rooting for these stocks, and have set aside almost $200k for that Having issues now with how to allocate capital, and to know if my projections are right based on technical observations
Comment from : Stephen Potter

3 SCOTUS did the job a couple of days ago so great advise y’all!
Comment from : C G

This was great Thank you for the encouragement✨
Comment from : shoe decour

Should I invest at the age of 80 with a low income?
Comment from : LaVerne Reenan

Giving my money an assignment 😮I can do that!
Comment from : Morning Morning

Debt snowball saved me ❤
Comment from : Irma Gutierrez

The future belongs to those who believe in the beauty of their dreams Success is a state of mind I start investing my cash in other to achieve all my dream with the help of Lucy Mary Liam The difference Mrs Lucy Mary make in my life is second to none It's definitely a life changing kindness I really appreciate her effort in my life time
Comment from : emily mccord

In life, I will forever be grateful for health, wealth and a great professional b(Hamilton Phoebe Zoe)/b whose help has been great for my finances
Comment from : Marchetti Bianca

Almost everyone, including the media, is anticipating a market catastrophe, and as a result, many are turning a blind eye to the opportunities in the market I recently began investing in stocks and cryptocurrency, and it was the best choice I've ever made If you genuinely want to be financially secure, disregard everything the media is suggesting The market offers a lot of chances Maximize your use of it
Comment from : Jayden

you guys are the BEST!!!
Comment from : Alina MM

The every dollar app is kit available in Canada 😒
Comment from : Veronica Ehrenholz

08:00 - 8:25 What is it with you magats who are fine seeing Republican presidents give TRILLIONS of dollars to corporations & rich people AND youre ok with rescumlicans NOT paying their PPP loans back but you have a HUGE problem with Democratic presidents giving hard working middle-class and poor people (who were molested by colleges like tRump University and other predatory lenders) debt forgiveness You always sarcastic, suggesting the people that get it are lazy but you don't have a problem with Republicans getting millions of dollars in tax breaks and debt forgiveness Stop trying to shame peoplebrbrYou freaking hypocrites
Comment from : Conrad TheMechanic

they are intentionally crashing the market to force digital/cashless Gold and houses/land is better
Comment from : Jeremiah

Dave's advice on how to get out of debt and manage your money is blunt but helpful to many people But joint accounts are not appropriate for everyone Its not an ideal world and not every marriage works out, or even works best this way, even with two committed and totally commited people Imagine distangling things if it gets messy Also, some people have a partner who struggles with restraining their own spending, and you risk both theirs AND your earnings but often they know they are not good with money and are happy for their other half to pay the bills ( with a regular contribution from them) My hubby pays for the car ( I could do without it in our lives if I had to, and am not a driver anyway) He also does the food shopping as he loves cooking/eating and enjoys doing that side of things (No chance of us starving !) I pay the house related bills so it works out about equal
Comment from : Pingu Penguin

Sorry Dave and Rachel you don’t know what you are talking about we are in our seventies using our emergency to keep a roof over our heads and eating food pantry food there is no way to repay emergency and all we have left is prayer
Comment from : Jenna Marie

biI just turned 60, was planning to Retire Soon? BooM the Economy Crashes into Recession and High Inflation ! I guess I will keep working another yr or 2?/i/b
Comment from : Ibrahim Aisaadan

Based on this, it sounds like Biden is doing a great job with the economy! No worries! Keep investing like usual and buy a house too! But don’t buy Netflix…😆👍
Comment from : Derek Hall

I wish I had known 40/50 years ago what I know now brI was one of those people that had the calamities in lifeand they came on the tail of going through a divorce because of a horrible decision along with a whole bunch of other stuff brbrbrAnybody who doesn't take the advice offered here is a fool
Comment from : Miss Sunshine

I'm renting $1250, all inclusive, within walking distance to work I earn $700k gross per year :) Best decision ever: I kicked my gold digger, lazy, loser husband to the curb
Comment from : X O

I'm 34 and my wife and I are VERY worried about our future, gas and food prices rising daily We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them We can get by, but can't seem to get ahead My portfolio has lost almost $18,500 last month alone, my earnings are tanking, and I can't see how my retirement will go smoothly when I can't even increase my stagnating reserve
Comment from : Stanley Edwin

Thanks to YouTube feed I just find out Ramsey has an amazing daughter
Comment from : TwoDeadMice

What u do think of ira with robinhood?
Comment from : Mrs Canary

Investment in stocks is a great way to invest your money The team is constantly checking the market for changes and make sure that you are always informed about the best time to invest As a result, I have made more money than ever before, and I don't have to manage my portfolio on my own! Invest in stocks, it's worth it!
Comment from : Fred Williams

Ever since I had discovered Amazon, I rarely go to a physical store Almost everything I have purchased now mostly online mostly from Amazon It's just freaking convenient
Comment from : John L

Investing in alternative income streams that are independent of the government should be the top priority for everyone right now especially given the global economic crisis we are currently experiencing Stocks, gold, silver, and virtual currencies are still attractive investments at the moment
Comment from : alex young

Just realizing you have a show BRB gonna binge watch while at work 😂♥️
Comment from : Amore Adri

I cut up all my credit cards:)😂
Comment from : Royce Nedeleff

Now should a student still pursue to pay back their student loan? If they were unaware of the college fraudulent activity and about the college refunding their students
Comment from : Royce Nedeleff

Question What if the college was involved in a huge fraudulent operation?brThe FTC charged the college for misleading new college students by promising job placement after graduation The FTC also enforced the college to pay back all the students of the student loans The whole college locations were all closed down except for one location
Comment from : Royce Nedeleff

Buy now pay 😂I say it at the pet store in the toy section that’s crazy
Comment from : Charles Miller

14:09 haha every woman i know is guilty with online purchases 😂😂😂😂
Comment from : All Inspiriation

Hi gang I am looking for a guide/system to become more active in tradingopen to paying for what I get based on net returns etc Can anyone give me a referral/testimony:)?
Comment from : Al Frosio

I love the Ramsey show but I have mixed feelings about buy now pay later, couldn’t you build credit that way?
Comment from : vvslightly

Having issues with FPU There are no classes close to me The closest one is 50 miles away and it started 2 weeks ago I looked at online classes on Sundays, Mondays, Tuesdays, and Saturdays and there are only 2 classes, but 1 is full at the 6pm time slot and the other is at 11am when my husband is at work So we cannot do it There aren't any other class options Should we just do the "go your own way" option?
Comment from : S RC

I’ve been investing ever since since I retired, I’m not spending or saving so much, I’m just putting most of my money into investing in different assets classes, dividend stocks, cryptos, real estate
Comment from : Ian Derrick

Up till now I have not been able to understand the money dynamics, I’m really bad at spending and investing, I really need professional help
Comment from : danny J

We had "the lay away plan" back in the day !!!
Comment from : Teresa Dunlap

I learned from the 08 crash My focus was getting into a trade AND Getting out of debt, learning trades, getting certificates, etc even COVID and lockdown was in effect I didn't lose a thing Unlike in 08 where I lost EVERYTHING IN fact I'm thriving I'm very fortunate
Comment from : crow

The part about a roof over your head, warmth and food alongside fuel in your car, that really hit home
Comment from : Scott

The investing part is very important, even though it may seem like stocks are falling I'm still at a crossroad regarding whether or not to liquidate my $138k stock portfolio What’s the best way to take advantage of this bear market?
Comment from : Kayla Wood

Best finance advice I heard in a long time 👍🏼
Comment from : vanessa

I love his Godly principles
Comment from : Jenny Westbrook

One thing people fail to do (especially millennials) is INVEST I made my first million from blue chips and top etfs using a broker so i invested and re-invested my profits I also acquired large amount of high-quality dividend-paying stocks too that gives me a solid base of passive income ever grateful to Olivia Maria Lucas handling my portfolio, two years now and she still surprises me, she's actually the only person i know that's richer than me haha
Comment from : Michael Reid

I'm not even kidding when I say that the market crash and high inflation have me stressed out and worried about retirement I've been in the red for a while now and although people say these crisis has it perks, I'm almost losing my mind but I get it,Investing is a long-term game, so I try to focus on the long term
Comment from : Rita Watson

I have never had debt other than a couple of times
Comment from : Allen Morgan

God Bless You, yes You
Comment from : Nigriff

Had $72K in debt beginning Jan 2020, prior to the pandemic FFwd to today, I only owe $1013775 on my SL because I worked the whole pandemic (essential position in educational setting) and shoved every spare buck towards vehicle and student loans Huge advantage making payments We have two rental properties, selling both and the rest of the debt (husbands home and travel trailer) will be paid off with the money from the sales The rest will be put into our investments Thanks, Dave and Rachel, for this info
Comment from : debbie myers

My husband has made budgets for several years and it does help to know where we are at We are paying off our home by adding more to the principle We are happy wiith how we spend and save
Comment from : colleen oldham

Do you have to have a budget when you have no debt and only one bill “car insurance “ that I pay 6 months in advance
Comment from : Regina Alston

Amazing
Comment from : TERESA G TV FILIPINA

Love watching you guys 😁👍
Comment from : Budget Peeps

Investing is like another language to me, I try to watch beginner videos and I get more confused than before I watched Can anyone suggest a good channel that explains it in an understandable way? Is there and "investing for dummies" out there?
Comment from : HOPE+Eternally+Alive

Really? Buy an over priced property with crazy high mortgage rate? Just asking, from SoCal here
Comment from : Helen Mak

How do you budget as and independent contractor and your income fluctuates from month to month?
Comment from : Brian Sensebe

NOOOOO freaking way! I didn’t know Dave Ramsey was your dad
Comment from : Chrissy Marsha

I often wonder how successful investors are able to make millions of $$ from trading stocks Im completely new on this area of investing Long story short I have a couple thousands saved up which i want to invest for long term and I know this sounds a bit dull but, I would like to know what advice you could give to start my investing journey
Comment from : oneil jerry

Every time I watch your dads show It gives me confidence that I CAN continue to take the baby steps I’ve also gotten rid of the non important items like monthly Amazon Music, monthly Amazon Prime an so on Yes, with everything added together I’m at six figures I’ve got to keep moving forward!! Please don’t stop on the videos and now that I’ve discovered your channel I’m on it !
Comment from : Felipe Hernandez

At 15:38, the Computer is the Magic Mirror, and the GPS System is the Crystal Ball
Comment from : Davon Benson

Thank you
Comment from : Elizabeth Cantu

Great information I honestly blame the covid crazies for screwing up the economy and world the way they did the last few years I have steadily voted against any and every politician who pushed the lockdowns and such And I am historically a democrat
Comment from : Kevin I