today at 01:00.
Dave joins Chris Hogan to talk about the mentality and actions it takes to become a self-made millionaire.
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103 likes - 1 comments
yesterday at 22:00.
Don't be like most Americans. Get help from a professional you can trust get
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308 likes - 3 comments
yesterday at 22:20
How does one get on the ELP list?
yesterday at 19:00.
The pros share their tips for saving some serious cash.
13 Insider Secrets On How to Save Money On Groceries
411 likes - 42 comments
yesterday at 19:26
We're lucky enough to have room for a garden and chickens and living in California gives us a long growing season. The summer garden was productive and we're still eating the tomato sauce and peppers, most of the herbs are still growing. The chickens get all our fruit and veggie scraps and are even keeping the lawn mowed since the rain is keeping it growing. We have enough eggs to give some away. The winter garden went in the other day, a little late but it should still do well.
yesterday at 20:07
Know what your family will and won't use and build a stockpile. Buying items at the lowest price point during the year will save money.
Erin EB Blom
yesterday at 20:20
I do my grocery shoping online. I know how much i am spending before I check out. and if I spend $100 its free. I have saved a lot of money, my waist line and also frustration with kids by doing this.
yesterday at 16:00.
You don't have to break the bank to have a good time. #DaveDaily
2666 likes - 43 comments
yesterday at 16:06
So true! Let's post some ideas for each other! My husband and I love working out together, the small chats between sets, positive motivation to each other and celebration at the end of the workout is the best together! Pair it with a protein shake sitting on the beach, or our backyard and its double fun!
yesterday at 16:33
I put all my change is a jar and when I have something fun coming up in cash it in.....this past weekend I was able to go to a concert which I budgeted the tickets for back in Sept and not worry about how I was going to pay for my portion of a hotel room or eating out
yesterday at 16:16
My husband and I take a blanket to the lake. We bring fruit, cheese, crackers and wine. We enjoy each other's company and it is less than $10 for a nice romantic date! We also do potluck with friends and play cards or board games. Some of our best times ever are spent on dates like this.
5 simple steps for an investing plan that works!
How to Invest Smarter in 2017
283 likes - 7 comments
yesterday at 03:11
This ok for average person... I have find personalty to learn some skills in real estate, network marketing, and internet marketing has given me 10x the return compared to this article. Invest in yourself... you will never regret it.
yesterday at 00:10
Dave- How do you earn 12.5% interest in a savings account (as illustrated in your program)?
yesterday at 02:34
We are buying houses and using them for rental property. The return is better than any other investment we have.
01/17/2017 at 20:00.
That time Chris Hogan bought a “must have” vehicle and it cost him a million dollars.
4 Ways to Deal With Financial Regret
475 likes - 21 comments
01/17/2017 at 23:37
I don't know how one talks themselves into a vehicle payment that's about half of a house payment or a lease payment on a cheap apartment.
The Millionaire Next Door covers a lot of good facts to help curb your perspective on what it means to be wealthy.
01/17/2017 at 21:06
We dealt with our mistakes and learned from them. We also put in a checks/balances for ourselves. We don't make any large purchases without discussing it with the other first.
Rebekah Holt Tastet
01/17/2017 at 21:45
My husband and I just started reading Chris's book-and he relayed this story to me. It is such a powerful illustration! Thank you both for your teaching!
01/17/2017 at 16:00.
Most people wander into debt, but you can't just wander out again. #DaveDaily
2813 likes - 49 comments
01/17/2017 at 16:33
Walk is the wrong verb... it's crawl, drag, claw, fight, tear, kick, punch, and climb out of debt. Toughest marathon I ever ran because it lasted 1 year and I wore $81k worth of ankle weights. Crossing that finish line was the greatest feeling I've ever had.
01/17/2017 at 18:07
I did, 7 years of hard work, was too young to be in debt, but I thanked my parents for never charging me rent, I was outta debt before the age of 30, and married so I did not burden my spouse with my debt. We are living very comfortable as dinks! Lol (dual income no kids)
Aileen Atzhorn Harlow
01/17/2017 at 17:10
If I can convince my husband to stick to the plan, we should be out of debt by dec2017. He's an impulse spender though so it's a constant challenge.
01/17/2017 at 11:00.
The smart and easy way to manage your money and stop overspending!
Spend LESS and Save MORE in 2017!
442 likes - 15 comments
yesterday at 02:40
My deluxe envelope system has lasted a few years so far. It comes second nature to me now to budget....but I still use my envelope system wallet.
Actually, if I were to save more and spend less this year....they would have to pay me to shop!
01/17/2017 at 20:39
I just saved $9, I didn't order his book!
yesterday at 02:17
I'm not going to lie. As a beginner budgeter, these sales are making it hard.
01/17/2017 at 01:00.
AMAZING opportunity from Chris Hogan!
Help People with One-on-One Coaching
239 likes - 12 comments
01/17/2017 at 16:31
Bummed my FPU class meets same time this is scheduled.
Hope this is offered again so I can make it.
01/17/2017 at 02:39
You endorse this man? I'll go in whichever direction you recommend to learn from 😀
yesterday at 02:07
I have to work during the webinar :( got to fund my bs3 though!
01/16/2017 at 22:00.
Marriage impacts your life and your tax return.
Married? Pay Attention to These 4 Things at Tax Time
1698 likes - 326 comments
01/16/2017 at 22:58
My wife and I purposely withhold at single and "0" so we always get a large tax refund. We use that tax refund to pay our monthly bills for the entire year (electric, gas, internet and cable). This frees up money during the year for investing and saving.
The interest free loan argument holds no weight. If I had the same 10K that I "lent" to Uncle Sam, I would put it in a money market account earning .01% because I planned to use it in a year.
01/17/2017 at 03:53
What about child support? My soon to be husband pays child support for his oldest child he doesn't see, and they garnish his paychecks for current and past support..and take his tax return away every yr.
Would they still take it away once we marry and file together? We also have 2 kids together, so I should be entitled to the return as well
yesterday at 02:24
You do not have any obligation to the government to change your last name. Take that bs out of the article. Also, yes make your return as close to zero as possible! You never get your full amount back so why let the government have it to begin with?
01/16/2017 at 19:05.
We're LIVE with all three hours of The Dave Ramsey Show! Get all the tools and tips you need to make 2017 the year you WIN with money
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2875 likes - 1186 comments
01/16/2017 at 20:11
GA tickets are 50% off for our Baltimore and Atlanta Smart Money event for 24 hours thanks to Anthony ONeal’s special announcement on today’s show. Get your tickets today!
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01/16/2017 at 19:32
You changed my life Dave! My journey with you 17 years ago has allowed me to pay off massive debt, build wealth and now I will be retiring early...all as a single mom!
01/16/2017 at 19:16
Hey Dave! We're 4 months away from finishing BS6. We'll have the house and everything paid off thanks to you and your inspiration.
01/16/2017 at 17:00.
It may seem backwards but it WORKS!
Graduating from I.O.U? How to Pay Off Your Student Loans Quickly
1229 likes - 160 comments
Jessica Nels Peterson
01/16/2017 at 17:24
We paid off my $30k in 3 years off of one income and had 4 kids. We also paid all of our other debt off too so we could move out of state.
01/16/2017 at 17:53
Has anyone in California paid off their student loans? The cost of living is so expensive that there is almost NO way to only use 25% of your take home income on rent (what Dave recommends). I would appreciate any input.
01/17/2017 at 12:06
I am glad my parents taught me about Dave's methods before I went to college! Received 2 degrees with no debt. I worked like no one else to get there, but now that I have my "big girl job" I am so glad I dont have to worry about student loan payments! It is worth it!!
01/16/2017 at 16:00.
It's a mistake that will hurt both parties. #DaveDaily
8395 likes - 311 comments
01/16/2017 at 16:32
I'm trying to figure out why most of these people are even on the page? If you're a fan of loans and debt, why would you follow a page about being debt free and using cash, unless you're just here to troll?
Amanda Lynn Adams
01/16/2017 at 16:15
Ummmmmmm couldn't go to nursing school without my co-signer. After 3 years of on time payments you can have the co-signer removed from the loan. Investment in my education was the best decision of my life. My nursing degree was my path to my nursing career.... a fairly decent income. Yup... worth it.
Joyce LiveLife Ortega
01/16/2017 at 16:07
Not always. It depends on each individual and their character. I had a relative help me 10 years ago on an auto loan. I paid off auto loan 3 years early. It was a win win for both.
01/16/2017 at 01:00.
You work too hard to get to the end of your life and have nothing to show for it!
You CAN take control of your money! Dave's best-selling class will show you how.
972 likes - 30 comments
01/16/2017 at 02:27
"The best part about debt is remembering the GRIT it took to get out of it." Stick with it. You'll be SO proud of yourselves!! 💜
01/17/2017 at 00:41
As much as I would love to start preparing for my future again, unfortunately for me my accounts have all been hacked after stepping out of my job and home, just the perfect time to fall under corrupt hackers. Now I'm having difficulty even finding a job, let alone a decent paying one.
01/16/2017 at 02:03
Started our first class tonight!!! We are determined to make this work for us!!
01/15/2017 at 22:00.
We asked people to come up with a word for budgeting that reflected their lives, their answers are pretty astounding!
27 Words That Will Make You Change Your Mind About Budgeting
392 likes - 42 comments
01/16/2017 at 16:37
Just as diet became meal plan, budget became our financial plan.
Jessie Kovach Knott
01/16/2017 at 01:32
My goal word for the new year is "simplicity". Having a plan and sticking to it is far more simple than flying by the seat of your pants and trying to figure it out mid month. After paying off debt it will become even simpler.
01/16/2017 at 20:55
I've been debt-free since August of 2016. This is the first time in my life that I'm living life on my own terms. When people ask how I did it I tell them, Live like no one else so later you can live and give like no one else.
01/15/2017 at 19:00.
Are you draining your emergency fund for the right reasons?
3 Questions to Ask Before You Use Your Emergency Fund
652 likes - 30 comments
01/15/2017 at 19:10
My wife and I are retired and debt free. We have an emergency fund but when to use it is just as important as having it to begin with.
The transmission on my seven year old truck failed and needed a rebuild. My wife said it was a good thing we had the emergency fund. I made the decision not use the emergency fund since we had another vehicle. By adjusting the budget, I had enough money in sixty days to repair the vehicle.
Don't confuse. "Want" with a true emergency! 👌
01/16/2017 at 14:47
We've had our fully funded emergency fund for about a year now. We've had a few minor car repairs and other small emergencies pop up, but fortunately we've been able to cash flow them. We will do what we can to keep it fully intact.
Alaina Ross Shanahan
01/16/2017 at 02:01
👍🏻 We had to use our emergency fund when the Air Force decided to mess with my husbands pay for 4 months. They would pay us days to weeks late and $400 less(each paycheck) than what we should have. To pay our mortgage on time, we had to move our emergency fund over and use it. It took until mid Dec for them to figure everything out and pay us correctly and on time. We moved the money back into our emergency fund and were so grateful for it.
01/15/2017 at 16:00.
From $120,000 in debt to saying, “At the end of the day, if I lose my job tomorrow, I’ll be ok." This is Michelle's story of hope!
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2460 likes - 92 comments
01/15/2017 at 16:58
I am with Debra below - what is her income? The story, the concept, the rewards are all great but unless you have a great six figure income this amount in this timeframe is not realistic? In order to pay off $120,000 in debt in 27 months you would need to on the average, have $4444.44 income per month to put towards your debt, and that's after you've already paid mortgage or rent, utilities, groceries, vehicle and gas expenses.
01/15/2017 at 18:23
This stuff works. We paid off 55k in debt on abt a 60k income a few yrs ago we're still debt free. And now we actually have some $.
01/15/2017 at 16:12
"At the end of the day, If I lose my job tomorrow, I'll be ok". The only way to live. Why would you want to live any other way? Love Dave Ramsey! I wish everyone would take his class to find financial peace. He has helped give my husband and I great tips and motivation to "Live like no one else now, so you can LIVE LIKE NO ONE ELSE LATER" Shane Goodin
Everything you need to make 2017 the year you finally WIN with money.
You CAN win with money. We'll make it easy.
696 likes - 13 comments
01/15/2017 at 05:55
I revamped my whole budget. My 2017 New Years Resolution was to make an annual budget for the year of 2017. It took me 2 days to create. It's now near the end of January 2017 and my "2017 Debt Snow Ball Budget" IS FREAKING AWESOME AND WORKING!! Thanks Dave! I can't wait to see where I am financially when December 2017 arrives. I'm so excited!!!
01/15/2017 at 00:18
68% of people don't budget? It's not that hard... lazy... plus they have to then face up to how they blow their money
01/15/2017 at 06:38
Kimberly Smith here is his Facebook page. If you have time find the audio book Total Money Makeover.
01/14/2017 at 20:00.
Quick quotes to keep you motivated! #YouCanDoIt
Don't Quit. Read These 10 Quotes Instead.
1101 likes - 26 comments
01/14/2017 at 20:24
I went back at age 45 and got a M.Sci. in Kinesiology..I was the oldest one in class. Graduated with 4.0 and now make good $..that was 10 ,years ago. Just do it people!
01/14/2017 at 20:25
"People love the feeling of being motivated, but they don't love putting in the work to do something about the feeling" - Gary Vaynerchuk.
Jennifer Albertson Hawk
01/15/2017 at 22:05
We are new to this journey! A lot of debt to pay off but your words and FPU are keeping me focused and gazelle intense! Step 1 done in under a month. Step 2 will be a few years but I will stay inspired by you and your words. Your debt segment of FPU was unbelievably eye-opening. I am a spender....a credit card spender.....until you showed me how to really live. Thank you!
Well that was a breeze!
3 Images That Will Make Organizing Your Money Easy
770 likes - 49 comments
01/14/2017 at 03:25
It's great, except for the inability to print out reports. Everydollar is very clean and "elegant" as Dave likes to say, but it lacks key features.
01/14/2017 at 00:10
Hoping you'll have a feature for a budget that works for getting paid every other week as opposed to once or twice a month.
Angie Johnson Mills
01/14/2017 at 00:52
Tracy Cruse Sabatino this is the free budgeting tool I was telling you about.