Dave Ramsey Show

The Dave Ramsey Show

 

I have an unusual way of looking at the world. My wife, Sharon, says I’m weird, and truthfully I am weird. But there’s a reason. Starting from nothing, by the time I was 26 I had a net worth of a little over a million dollars. I was making $250,000 a year. That’s more than $20,000 a month net taxable income. I was really having fun. But 98 percent truth is a lie. That two percent can cause big problems, especially with $4 million in real estate. I had a lot of debt — a lot of short-term debt — and I’mthe idiot who signed up for the trip.

The short version of the story is that debt caused us, over the course of two and a half years of fighting it, to lose everything. We didn’t tell anyone what was going on, but if we had to do it again, we would learn from the wisdom of others who have been through it. We soon learned that we were not the only ones at the bottom. Barbie and Ken (you know, the couple who appearto be perfect—perfect clothes, perfect car, perfect house) are broke, and I don’t take financial advice from broke people anymore.

After losing everything, I went on a quest to find out how money really works, how I could get control of it and how I could have confidence in handling it. I read everything I could get my hands on. I interviewed older rich people, people who made money and kept it. That quest led me to a really, really uncomfortable place: my mirror. I came to realize that my money problems, worries and shortages largely began and ended with the person in my mirror. I also realized that if I could learn to manage the character I shaved with every morning, I would win with money.

I went back to my first love, real estate, to eat and to get out of debt. Along the way, I began another path—the path of helping others, literally millions of others, take the same quest to the mirror.

I formed The Lampo Group in 1992 to counsel folks hurting from the results of financial stress. I’ve paid the “stupid tax” (mistakes with dollar signs on the end) so hopefully some of you won’t have to. I wrote the book, Financial Peace, based on all that Sharon and I had learned, and I began selling it out of my car. With a friend of mine, I started a local radio call-in show called The Money Game, now nationally syndicated as The Dave Ramsey Show.

Our company history is full of landmarks including 6 best-sellers on the New York Times, Wall Street Journal and Publishers Weekly lists —and we’re not slowing down. The Lampo Group now has more than 400 team members and a variety of products and services to help you reach your financial goals.

Many companies define success based on the dollars coming in, but at The Lampo Group we define our success by the number of lives changed: listeners getting out of debt, readers taking their first Baby Step and saving $1,000, FPU graduates investing for their future. We learned early on that if we help enough people, the money will come. Our mission statement isn’t just lip service—it’s our mantra:

“The Lampo Group provides biblically based, common-sense education and empowerment that gives HOPE to everyone in every walk of life.”

Thank you for visiting our website! Wherever you are in the process — making the quest to your mirror, struggling to get your budget to work, paying off that last debt or debt-free and looking for places to give — let us know how we can help you take that next step in your money makeover. That’s what we’re here for!

Dave Ramsey
Dave Ramsey2 hours ago

Small changes now can make a BIG difference!🎄

I don't buy or accept Christmas gifts I think it's a waste I don't even celebrate it
Christmas cash is put up in savings in Jan every year. When were ready to shop the cash is there. No credit cards no debt to pay off after. Oh and most of our Christmas is already bought and wrapped for this year.. yay..
Higher Thinking Youniversity The cash envelope system makes saving for Christmas extremely simple for our family. 😊
No gifts in this house. When we have no debt, we will have Christmas.
I love Christmas, but we don’t exchange gifts
Already done :)
December is always hard on budget
Halfway there already at 5
Neil Borders
Dave Ramsey
Dave Ramsey shared a group.5 hours ago

You become who you hang around with. That can be a good thing or a bad thing . . .

If you want to win with money, join our official Facebook community and start making progress in your debt-free journey!

Dear Dave- step one is a huge one. I’m stuck still struggling to pay minimum payments on bills. Great program for a couple but not a single person with house payment, student loan, car payment, etc. sorry but I can’t do it without leaving my job and starting over- and I need my job’s medical insurance.
I fell in with a bad crowd. Not only were they always in debt, they were involved in criminality. One of them robbed a bakery. He was desperate for the dough.
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Joining 🙂 ready to be in control of my money and finances.
I followed your plan and now I'm over 20 trillion dollars in debt. If things go my way, I'll be adding trillions to that number by the end of the quarter.
Ruth Nuñez join
Anne Marie Ricketts
Dave Ramsey
Dave Ramsey was live.8 hours ago

We've got a jam-packed show today. Mike Rowe joins Dave during the first hour, and Rachel Cruze stops by during hour 3. Don't miss a minute!

Dave Ramsey
My son just received the work ethic scholarship from Mike Rowe ... life changing opportunity for him! Thank you so much for all you do for the trades
I’ve been debt-free for over two years now and I’m loving it!!! No one owns me. I’m stacking cash and lots of it like it’s nothing. 8/15/16 was the anniversary day
Hi Dave! What does a 76 year old widow do who’s husband died almost 6 years ago ( and he was an attorney ), leaving her with a twice reversed mortgage home and no life insurances?
I saw that video of Mike Rowe talking to his mom. Very cute! And then to tune in on the day two of my favourite guys are chatting! Super fun!
Statistically the less you spend on the wedding the longer the marriage last! Or so I heard. We spent $1500.00 and are still married 38 years later!!!!
My husband and I recently started your program and we just made it through baby step 1!!! Getting that debt paid down!
If you have accounts in collections where a minimum payment is no longer an option, how do you attack those?
Thank god my husband and I follow Dave! I was able to pay cash for a wedding ($1200) pay cash to get back taxes done ($1194 and counting) as well as the baby er fund! It’s been great!
I get bill collector calls for my adult brother. Is that illegal for them to call me? He doesn't and has never lived with us. What do I tell them?
What do you think about income based repayment plans on student loans, when there isn't any money to make true payments?
after the repayment time through this plan whatever is not paid is forgiven. Was wondering what Dave's thoughts are. My income is maxed out with the family size....
Thank you John Snyder- we have realized the hard way, we spend more than we make, due to a job change with my wife. Now we don’t know what to do?!
Does anyone know if using debt consolidation for all your bills is good or bad?! My wife and I are finally waking up but are knew at all of this. Any suggestions
Question..... I an not allowed to have a second job because I'm a banking officer (company policy) any ideas for raising income?
I have heard a rumor that if you have taken the FPU course and want to take a refresher that the cost is minimal/free? Anyone know about this??
Today was really rough for me I got a shut off bill which I paid for. But I'm still ans struggling to create a budget
I am just now looking to be a 50/50 partner in real estate. He has 40 years of experience. I am primarily I (LTI) aka long term investor. Trying to diversify my income, and build more wealth .... (Y) B|
Yes, the husband and I paid $1200 to be in they wedding. That was everything. Matron is honor and best man.
If you haven’t heard mikes story about his mother. Stop what your doing and find it. Its hysterically funny!
Suchy Muchy BIH!! And WHOSE to say they are in DEBT......I'm not obligated to HELP you pay for some FENCE..... WHAAT TF??!
I would like to know what to do if you have a home equity that is all most time to refinance it or turn it into a 15 year mortgage, the bank you have says they don't do it anymore on a manufacture home.
Hello from Zachary Louisiana! Been debt free since 2005 thanks to your program! My wife and I are retired and are living like no one else because we lived like no one else!!
Can Mike read for the audiobook version?
Looking forward to seeing Mike Rowe in Sioux Falls, SD tomorrow!
Do other people find that practicing Dave’s program is like a journey instead of one big math test?
Dave Ramsey
Dave Ramsey11 hours ago

Networking doesn't work. RELATIONSHIPS do.

James Espada Ricky Rivera Leo Diaz take some time out to read this, it's a great read 💯🙏🏼🙌🏼
Very very true!
Tisha Shipman maybe a good read?
Tim
Sue Smith Olds
Juliano Troche
Alton LaBrecque
Dave Ramsey
Dave Ramsey shared Mike Rowe's video.1 day ago

Love it. Excited to have Mike Rowe on the show tomorrow!

Dave Ramsey
Mike Rowe
Until yesterday, the #1 book on Barnes and Noble was called, "Fear," a rather depressing tome designed to scare and divide the country even further than it already is. This morning, "Fear" has been upended - temporarialy, anyway - by a book about laughter and love. And hope. Mom's book is #1 on Barnes and Noble. The pre-orders have defied expectations. I called her on the way to church to give her the news. If you've been following this madness for the last 14 hours, you're welcome to listen in... Mike PS. Thank you all, sincerely. The people she once fondly referred to as "my little Facebook friends," have upended the publishing world. Your support means more to me than I can articulate. If Walmart and Costco take notice, they could make room for mom's book by Christmas. They said it couldn't be done, but I'm starting to think anything is possible... http://mikerowe.com/momsbook/
Hope it comes in audiobooks soon! My mother is legally blind but I know she would love it!!
What is her blog? And how do we find it?!?!
This is great news, Mike! I want to tell you a (hopefully short) 100% true story: a couple months ago, before your mom launched her Facebook page, I went through and Unfollowed everyone on Facebook: all of my family members, all of my high school friends, all of my co-workers, all of the random (and often lovely) people I've met over the years...all of them. Except for one person I've never met. As I was scrolling through and clicking "Unfollow, Unfollow, Unfollow," on the enormous list of people I have "friended" or "liked" on Facebook, "Mike Rowe" popped up in the list, and...I hesitated. I was unfollowing everyone because I was sick of the bs, the infighting, the complaints about how much their life sucked, life in general sucks, the country sucks, whatever. The one or two interesting posts wedged in between it, which Facebook would occasionally not bury in my Newsfeed, didn't seem worth it. However, when I saw your name, I realized you were one of the few people on Facebook I actually enjoyed seeing posts from. I didn't click "Unfollow." For a brief while, posts by Mike Rowe were the only posts I saw on my Newsfeed other than my own. Then, one day, you mentioned your mom started a Facebook page. I had missed out on the first printing of her book because funds were very tight for my family at that time, and your mom seemed like a very nice person from the posts you've made about her, so I clicked through the link and followed her page, too. I did not regret it. Her posts are thoughtful, funny, and full of the life that should embody the United States today. Since then, I have refollowed a handful of people who consistently share a positive perspective, insightful and relevant information, and carefully-researched and curated news. My online life is better and less stressful for it. It turns out, I don't miss the negativity at all - I can get that everywhere else online and off. This post and video were a wonderful Sunday morning reminder of what it means to live in joy, enjoy the big things as though they were small things, and how a group of "little Facebook friends" can so positively impact a person and a community. P.S. I'm also happy to say I contributed to your mom's ranking on Barnes & Noble. My family is doing marginally better now financially, so as soon as I saw your mom had broken Amazon again and Barnes & Noble was the next working link, I jumped on it with no regrets. I look forward to reading her book when it arrives at my door. :)
Pretty rich of you to accuse the book of being “designed to scare and divide the country” when the current occupant of 1600 Pennsylvania, who you support, does this on a daily basis with no condemnation from your Facebook account. You are just another Fox News ideologue masquerading around as an independent thinker looking out for the little guy. The little guy is still getting screwed by Trump’s economy while the rich have only gotten richer, facts which you conveniently ignore.
“We’re just on the way to church, but we can talk as long as you like. Everything okay?” *sigh* If this isn’t the most “Mom” comment ever, I don’t know what is. ❤️ We never grow tired of hearing from our children.
That's because down deep everyone knows that America is REALLY about MOM and Apple pie........not the political climate.
This is a testament to the fact that Americans still appreciate and reward good, decent, charming people!
Mike, I'm glad for your mom. To be a number one author is a great accomplishment. But an intelligent individual such as yourself does a disservice by simply writing off Woodward's book - a highly respected reporter who has served the Fourth Estate for decades - as merely a medium of fear and divisiveness. It is not meant to spread fear. It is meant to shine light behind the closed doors of an administration where the man in charge is not fit to hold the office. The book isn't about policy - it is about the chaos of an administration whose choices affect the lives of all Americans today and for years to come.
I love to see how, with all your own accomplishments, you instead take such great pride in your mom and her book! You’re not just a good man, you’re a great son! I Haven’t read it but I will if I can get my hands on a copy!
I think, having broken Amazon and swamped Barnes and Noble, we’ve gone from “little Facebook friends” to “giant Facebook family.”
Glad your Mom's book is beating Woodwards book. Would rather read an uplifting book than a book about crap. Good job Mom.
Mike it’s 2018. Can’t you save mom’s number so you don’t have to punch it out every time. Lol Congrats to mom in upsetting Bob Woodward. That makes me so happy for a number of reasons.
1. Your parents are greatness 2. I’ve missed your “wearing the robe, hanging out in the kitchen, chatting with us” moments 3. The fact that you still have a landline brings me joy, for some reason
Well that just made my day, Mike. The fact that, with all your many blessings, you take such joy in seeing your Mom’s success is quite beautiful. Thanks for sharing your call to them.
I just love this!! ESPECIALLY how surprised you all are!! :) Does this mean we 'little FB friends' are now 'big celebrity FB friends'? And, I wish I knew where the after church McDonalds group goes.....I'd sit at the next table and pretend I wasn't listening to their conversation!!! CONGRATULATIONS!!! WOO-HOO!!!!!
“Michael, I never say bad words.” LOL. I love Peg. I really do. Yes, I’m a believer. “All things are possible to him who believes.” “With God, all things are possible.” With LFBF(Little FaceBook Friends), upending the publishing industry is possible especially for a great author who invented a new FaceBook acronym. I’m so happy to see this happen, and a little proud to be part of it. Fear takes a backseat to hope, family, love, baseball and horses. “We have not been given the spirit of fear, but the spirit of power and of love and of a sound mind.” Grace and Peace. PS “Number freaking one.” I say that word all the freaking time.
"#1 in what?" I laughed hysterically. She is so sweet, and despite having the #1 book, she is unchanged :)
Taking a phrase from my daughter's childhood. Awesome sauce! So wonderful to hear the continuing saga of your mother's success! I think "the people" are in dire need of something humorous, uplifting and genuine. We are tired of the darkness, the hatred, the animosity, the vitriol, the anger. Your mother has such a wonderful way with words and she has struck a cord, and is filling a need, in the country. Major kudos to her and wishing her continued success!
I am not surprised one bit. It is a fantastic book. We love your parents Mike. Now it is your turn. Sit down and write a book for us from you. Not about trades but just your thoughts and feelings about life, love and everything. P.s. yall donforget to use amazin smiles to send money to mikeroweworks when you order the book
I bought a copy of Fear and one of your Mom's book. Both are important. I doubt Woodward, a respected journalist, designed the circumstances about which he wrote to "divide" people. Educate, perhaps. Your Mom's book is important, too, that we all remember our own, and others' humanity.
Now everyone needs to tweet at Jeff Bezos and Amazon so we can help Mike’s Mother figure out what’s wrong. I think it would be hilarious to see him respond.
Congratualtions, Rowe family, for helping to brighten up America again! Power to the positive people!
There are a few factors at work in this phenomenon — 1) The secret is out that Mike Rowe is a good guy. Most of us met you when you did “Dirty Jobs.” We liked that you weren’t too precious to get your hands dirty. And you treated everyone respecrfully. 2) Cut to your life after “Dirty Jobs,” where you continued to recognize people doing the unglamorous work that keeps all of our communities functioning, and highlighting the unsung heroes who were quietly going about their important work with no recognition. 3) Your Facebook posts are interesting, very well written, respectful, and funny. 4) The apple doesn’t fall from the tree. Your parents are wonderful, and you’re as proud of them as they are of you. Your mom is a fabulous writer and storyteller. — All of these factors add up to a perfect storm. Congratulations to you and your mom for the success of this book. It really couldn’t go to a more deserving family.
I think people want more positivity in there lives then the experts understands. As soon as I saw the book presale I jumped at the chance to laugh a little. I think in this day and age we all just want to laugh and be happy.
I wish Mike had been able to celebrate his Mom's success without putting down another author's work. I thought Mike was not very political, but this post made me wonder. Mike, your Mom is wonderful, and I am thrilled for her success. However, I believe Mr. Woodward deserves more respect that having his book, which represents significant work, so denigrated. I am surprised by your choice of words. Deliberate? Should I make assumptions as you did about Mr. Woodward?