10 Things to Do Differently with Your Money in 2022 with Dave Ramsey

10 Things to Do Differently with Your Money in 2022 with Dave Ramsey

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• The Ramsey Show (Highlights):

[lauraarnold]

My ex husband left me with debt. I took a second job for 4 1/2 years. I paid off all the debts plus my student loan. And I paid extra toward toward the mortgage every month. I have been on a strict budget the entire time. The job was to pay off bills, not to spend money on more stuff. And I am quitting the second job this month. I have never felt better.

[eileenwatt]

My dad taught all his 10 girls this " Don't look at what others have because you don't know how they acquire it and they probably not able to sleep in their bed at night because debt keeps them away or they working long hours to pay for stuff". I follow that advice to this day. He's gone 40 years but his wisdom lives with us. He was a successful businessman man who was blind.

[Dontwantahandle]

Between August and September I spent 3 weeks in the hospital with covid. Add to that recovery time, I didn’t work for almost 5 months. I had a short term disability policy through AFLAC, but my emergency fund helped keep me afloat. Thankfully I took Dave’s advice awhile ago so I did have that fund 😁

[paulcherrytrains]

Hi from the UK 🇬🇧. I got out of debt many years ago. It took me many years to build my finances slow and steady is the way for me. I stopped wanting what other people have. I learned to praise other people's achievements and feel blessed for what I have.

[tcgtpl]

1. Find little ways to save money.
2. Keep your emergency fund funded.
3. Don't go crypto-crazy.
4. Get a part time job.
5. Don't rely on the government to pay your student loans.
6. Don't fall for Afterpay.
7. Talk to your spouse about money.
8. Get on a budget.
9. Keep your eyes on what you have, not what others have.
10. Live on less than you make.

This could have been boiled down to 1, which would have been a combination of 8 & 10. But people like Top Ten lists, so those should have been numbers 1 and 2 to start the video.

[ashleyk]

One of the biggest things that brings joy to my heart is the phrase "I remember the day I prayed for what I have today." It completely changed the way I look at everything. And you can apply that to other people as well if you find yourself maybe a little envious. Remind yourself that there was a day that they prayed for what you are envious of, and it shifts into happiness for them.

[littleripper]

I love that Dave doesn't look down on adults doing service jobs. I think a lot of people are in situations where taking a second job even temporarily would improve their life drastically but they feel too embarrassed or above working these jobs. In my late 20's I took on a weekend job as a cashier and I remember so many people from highschool/college running into me and I could tell they were slightly looking down at me. Not all of them but I could see their arrogance. I wonder how many of them were/are debt free like me and saving for a down payment?

[prettyinpink]

Dave I love to hear the Bible verses with the saving money. I am where I need to be, on the right tract with my freedom to wealth. Budget has always been in my vocabulary and applied to my life. It helped me pay off my house in 7 years while I was raising 3 kids. My regular job and side jobs all being a single mom. They are al grown and own their own. Now, I continue to do the same things and I’m able to save money now. I put away the house payment money that I no longer pay, every month.

[TheJoyNinjaNZ]

I love what Rachel had to say about online shopping - the add to cart and then close down the tab. I give myself a cooling-off period - at least 24 hours. A lot of the time I realise I can make do with what I already have, or I would rather save my money than have more clutter, but if I do decide to buy it I can do it guilt-free, it's been a mindful purchase for me.

[AtomicQuotient]

Dave and Rachel looking awesome, happy and healthy .. love the interactions with his family and team ..

[heathernicole]

“Godliness with contentment is great gain” just meditate on that for a moment before you budget or spend money and it truly helps your mindset. Good video y’all! ❤️

[Taking_Back_Thyme]

Started our budget this month and it feels so good. I left the house today without eating breakfast and I was tempted to buy a piece of pumpkin bread at the Starbucks in Target. I passed. My next stop was Walmart. Oddly, canned cat food is in short supply everywhere, thus Target and Walmart. I picked up an apple at Walmart. Such a little thing but saved a couple of dollars. It’s the little things that get you.

[drunclecookie]

every new years, I make a resolution based on finances. 2 years ago after discovering Dave Ramsey and his baby steps I made the resolution to pay my car off that year (2 years early on the loan) and I accomplished that goal. The following year I made the resolution to pay off my boat (3 years early on the loan) and I accomplished that goal. This year my goal is to get my 6 month emergency fund saved up. My bank account is currently the lowest it's ever been with just under 2 months expenses saved up with some big bills coming up in January and February, but by March if everything goes right I should be back up to about 3-4 months of expenses, but I'm more comfortable with 6 months. The house is set to be paid off in 2 years with minimum payments left, and I have no kids so no college fund to worry about.

[edbeast]

Besides the wonderful message to help others I cannot help but appreciate and admire the wonderful relationship between father and daughter. It's refreshing to see them have a good discussion and lots of laughter! God bless!

[reynelle]

So happy to see you both in this video 🎉 I’ve learned so much from Mr Ramsey throughout the years. 2022 makes 10 years since following Mr Ramsey. I’m so grateful to have learned the wisdom he shares. It’s helped my family and I through all the different seasons in life. May God continue to pour into you and continue to help families live a blessed content abundant life 💖

[MRDDev]

Rachel is the most millenial of the Ramsey personalities, which makes these videos real funny

[frankferret]

Dave Ramsey's book changed our life financially we are dept free and happy. Helping others who are having issues. Thanks Dave.

[salemthorup]

I'm only halfway in and I feel like everything you've said is stuff the Spirit has already told me, but I needed another witness I could generally trust to give good biblical money advice. God bless you, Dave & Rachel.

[ruthbutah]

Loved the quote "love your life and not theirs" thank you. Happy New Year!

[angelam]

Happy New Year Dave. I’m still paying my last bill with gazelle speed. Almost at the finished line. Best wishes to everyone.