Smart goals dave ramsey Videos

I've been concerned about retirement since 22. You're smart, and probably a lot smarter than many of your coworkers!

+ir10031981 Negative. I'm 27 and there isn't a day that passes that I don't think about it. The difference is going to be whether you choose to keep "worrying" about it or to live with INTENTION and DO something about it. Only you control you. You can either exist in this world, or you can THRIVE. God wants us to THRIVE. Keep digging, Dave has many good retirement videos and so does Chris. God bless you my friend

Not at all. It just means that you don't want to put your faith in Social Security.

Have you ever tried couponing?? I save tons of money doing this!! Theres a website called couponmom.com. They tell you exactly where to go and what to buy and you can save 50-90% on groceries and other household items.. Check it out!!

+Jasna Nicolson Thank you for your idea. I will check that out asap :) I wish you a nice and happy day :)

Hi Anna, I know 'cash is the thing' but I think a compromise is better than not budgeting or not tracking spending. You may like to consider a phone app that tracks 'virtual' envelopes. I use one called Budget Ease which is great because you can import the transactions from your bank statement and allocate them to envelopes.

+Nicole Koehlmoos Thank you for all your input. :) You are totally right...a) I didn't know that cash shopping was this uncommon and b) it is hard to stick to my budget.I feel like - and I know this may sound like "yeah, those are no real problems" to some of the readers here - because I do not have any debt and I feel like I can - to a certain extend - afford to spend a little more money and it is not going to hurt me, that this is why I am having such a hard time sticking to my budget. I've set a budget, yes I did, although I maybe wouldn't really have to. I am a twenty-six year old debt free person who will finish their education in may. My boyfriend works in an area, where he can easily find a new job, if the old one doesn't suit him anymore and he could make a whole load of money off of that. I am going to start working in the next october (or so). Life is good...but I want to buy a house, in which I can raise my (future) children in. I do not feel the need right now to stick so stricktly to my budget, because I know that 100 euros at the end of the month are not going to "make or break" anything - I still would love to stick to it. I just feel like I do not have the right mindset to do so really STRICKTLY, which is what I would love to do. (My budget is set realistically and I still have money to save away, so this part is ok). I would love to know what I could change about my state-of-mind, so that sticking to a budget - which I know I do not NEED to stick to, but I still WANT to - becomes easy or even pleasureable. Any suggestions? (I know that this is not the most urgent question and some would maybe call it "A FIRST WORLD PROBLEM"...non the less I feel like I need help with that and therefore I am asking. I do not want to come across moany or anything, and I know that there are people with "real" financial problems - or let me rephrase that: with "deeper" financial troubles - out there, anyhow...I would love some input on that. Thanks and have a wonderful day :)

+Anna Nebel Well it sounds like you have two options.1.) Start carrying smaller coins to pay the bus driver etc. While it might not be common I'm willing to bet those businesses do still accept cash. It will also be much heavier then carrying the larger bills. I think paying in cash isn't as common as you may think in most countries anymore. I work in a grocery store and I think its something like 26% or less of our business is done with cash.2.) Make yourself stick to the budget. Once that total says zero make yourself stop. From what your saying it sounds like this may be the harder option for you. 

+Nicole Koehlmoos Thank you for answering so quickly. We do have an excel spreadsheet too...but to me it feels "unreal", because if i would go over the budget for one category it just calculates it that way...wherease if i had a money envelope i could not overspend...because there would be no money left. In my country you do only pay interest in a credit card when you cannot pay off the amount at the end of the month, but as we pay off everything at the end of the month we do not pay interest :)I just feel like I do not stick as strictly to my budget now as I would have, if I had cash envelopes.So therefore my question is rather: "How to stick to a budget where you cannot feel the money leaving your hands?", because to me this "virutal" money feels completely different than handing over cash. I don't know but I feel like that it is like this for many people - I'd rather use cash, but in my country this is absolutely not an option (Here you go to the bakery, order some bread, the person says "That's 96 cents" and you hand her your card, because you even pay for these tini-tiny amounts with card...I cannot remeber the last time I had cash on me...).Have a nice day :)

Oh and we only use debit cards! They do the same thing without the interest rates!!!

The hubs and I recently started the Dave Ramsey baby steps and have run into the same problem. His place of work no longer accepts anything but plastic to pay for lunch. What we have done is make a spreadsheet workbook. We have different sheets in the workbook for all of the things we would have envelopes for i.e. food, his lunch, my lunch, pets, etc. We both have droids so are using google docs as they auto sync to our phones. This means as soon as we purchase anything we update the appropriate sheet so we always have an updated amount. We have been doing this for about a month and it seems to be going well. Hope this helps!

Awww.... Hope you can get a new unit soon & a great price!

Hubby is the same way, very hot natured. I thought he wasn't going to make it last summer. He works swings so it was very hard for him to sleep during the day with the house baking.

To me having a super hot house is miserable & I would consider it a health issue. My husband could not handle it with no A/C. In this part of Cali, most every summer you hear of at least 1 or 2 elderly people who die because they have no A/C or can't afford the electric bill to run it. Also a window unit doesn't work if the temp is  past 85 degrees. I know that cause my dad had his own heating & air business for yrs.  It's not like you are spending on a luxury vacation. I am for sure not an expert on $ issues, but have gone before for about a month in the hottest part of the summer with a broken A/C unit til I could replace it & it was awful! Also people who have never lived in a super hot place don't realize this.

We do, close to meeting our deductible for baby girl so that will help some. She had to have a STAT MRI earlier in the year and thankfully, we were able to pay cash for our part on that. Hubby and I are pretty healthy so we have zero on his deductible. Here where we live we can have some pretty dreadful summers.... it can be in the mid 90's here. Hubby works in a steel mill so the temps in there can get into 105-110 degrees.

Did you sell your drum kit in the end for the emergency fund? The Nest thermostat looks very cool! I think were getting old! Were you 30 on your bday?

@mormongirl782 Take some video of it, and send it as a video response! Would love to see your thoughts on it in person!

haha u know u didn't mind the way your thermostat looked till u saw that cool sleek one...haha very neat idea

Lol my almost 5 year old saw this video and said I wish I could have that baby lol I bought it was soo funny

@transammatt Yes indeed! Just started it Jan 1st! Subscribe to our channel if you wanna see how we do!

@transammatt Very cool!! I really want one! Have you noticed a decrease in your monthly bill?

@loubes30 No yet. I need to take it down to the music shop and see what I can get for it

@Bethyboo7i9 haha... your 5 year old has great taste!!! :)

Good for you on doing the Dave Ramsey plan!

@holyjumpin HAHA!!! You're right!

+Georgeqaws With all due respect, I would say that how well the server serves others should be the ultimate determinant of how much money they earn per hour. I worked in food service throughout college, and everybody on staff knew who tipped (and who didn't) amongst the regular clientele. My personal rule is always 20% gratuity of the pre-tax bill, unless they service was atrocious. Serving well based on an acquired information bank is a form of skilled labor; it's not the same skill as an attorney or a doctor, but it does require attention to detail and keeping many pieces of continuously-changing information in your short-term memory for hours at a time. If a server works in a 4-or 5-star restaurant, they likely have to have wine pairings memorized for each dish and the ingredients memorized for every food offered (so they can correctly tell someone if a dish contains something they're allergic to, as an extreme example). It's not entirely unskilled, since there are learned skills at work. The starting hourly pay for servers (tipped employees, those who receive $30 or more in tips per month) is $2.13 per hour--which is paltry. Getting enough hours (your scheduled 30 hours a week can turn into 19 hours--your pay has been cut by ⅓ and your rent is due...), at the right times (when tips are likely to be higher, when you don't have class), was never easy even if the management loved you and accommodated your every request (which was rare). Everyone in food service who works for tips knows their income is brittle as glass and just as fragile; in other words, there is no guarantee you will get 5-10 tables an hour or that any of them will leave any tips at all...By the way, Dave's comment about not wanting to work on Sundays is 100% accurate; no one wanted Sunday shifts because we knew the tips were going to be ½ what they normally would be (even compared to a slow weekday), despite large crowds with lots of kids. Everyone has the right to act as they choose, and you can disregard everything I've written. But just as an experiment, try leaving a very generous tip (30% of the meal, the service was AMAZING) for someone and see how you feel. Did it really cripple your budget? I hope that the next time you're in prayer, that you will ask yourself if generosity is a waste of money. As someone who worked hard & received tips to pay for university tuition (so I could avoid student loan debt), I can promise you, it was worth every cent to me.One kind word can warm 3 winter months.--Japanese Proverb

+Black Hoodie Fitness Exactly right, ramsy is a cunt.

You just didn't get it.

+Jordan King I am a Christian, and I was a waitress. I hated when people did that to me. That's not right... Tracts are nice, but that's not why I was working. I was already converted, I didn't need a tract I needed money. I much preferred the people that would give both a tip and a tract. I've seen people leave a tract and the server won't even take it because it didn't have a tip in it. It just got put in the trash by the busboys... such a waste.

feminist like him does it im just commenting no tip for lazy slaves thx u

Stop bringing feminism into everything.

+Westhill Meadow exactly

Choosing to be generous with your own money (and advising others to as well) is different from voting to be generous with somebody else's, taken on threat of criminal charges.

+Ben Tj I was a waitress. I liked being one because I got paid more than all the other minimum wage people in the restaurant. I made 10-20 an hour working as a waitress between 2009-2013. If I got paid minimum wage I would have only made $7.85 the majority of that time. But, as a waitress, in my state I got paid half the minimum wage.... so there is a trade off. If people didn't tip, I didn't get squat. I do think it's worth it though. That's why salespeople work for commission. Same idea, but without the base pay.

+CeeStyleDj With that being said, I still tip..because that's the screwed up system. For some reason, this one industry has this weird culture where you are at the mercy of your server or waiter and it is somehow Expected of you to pay part of their salary.

I wholeheartedly agree. People need to get a little more enlightened on this subject. Just because things have been done a certain way for many years doesn't make them right.

what jobs have you worked in your life?

+garth locklin As Dave says "you only get hurt on a roller coaster if you jump off" Mutual funds are long term investments, and you lost money because you cashed out. Seems like your blaming Dave for your mistake. If you would have kept the money in the mutual fund the value today would be $10000+

+ticktock1479 Hey! it can be VERY overwhelming, I have a debt snowball spreadsheet you can check out to kinda help you get your debts in order if you like? Watch my video on how to work it : https://youtu.be/H2gzbARtICI then email me at [email protected] and I'll send you the excel file! Also, start a budget on Every Dollar so you can see where all your money is going. I found that watching other YouTubers who are doing the same thing as me kept me motivated! So keep watching, I have a video going up next week talking about how we got out of student loan debt. Email me if you need any more help or have any questions! I'm here to help!

+Karen Johnson it's been hard, but I have found it's a lot easier if you just DON'T GO! hahaha

+Life With Sarah Yup! Good luck!

+quantomic1106 we definitely plan on doing that! thanks for the tip!

+Corn Fed Some one is a stranger to sarcasm.

+mycropht we are actually going to be debt free in just a few months, and we don't plan on going back to our old lifestyle. I was just saying it'll be nice to not be on a super strict budget anymore, we will continue to budget every month, and live a frugal lifestyle for the rest of our lives.

+Danno stfu