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Dave Ramsey's Total Money Makeover Live! – 7 Baby Steps

Dave Ramsey's Total Money Makeover Live! - 7 Baby Steps



Biblical financial wisdom explained!

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42 Comments

  1. Tony Amo

    Important to watch it every year. I'm in step 4 and it reaffirms my confidence in his financial plan!

  2. Johnn Davis

    I did the debt snowball but i called it something else. I called it the debt winch.
    I wrote out all of my bills from the largest to the smallest.
    There were 16 of them. When i did the budget i had $50 left over.
    I made the minimum payment on all but the smallest and i put that $50 on it in addition to the regular payment. In a couple of months it was gone. Then i rolled that money onto the next in line.
    I dropped cable tv. I turned the water heater down a little and i turned the ac up a little.
    I put the savings on the next bill i was focused on.
    In six months i had paid off 4 or 5 bills. I was writing fewer checks and buying fewer stamps
    All the while i was slowly paying down the big ones.
    Paying off those small, high interest rate bills was a real morale booster. It have me hope that i could do actually do it.
    It took a while but I got there. 20 years later i still dont have cable tv and i dont miss it.
    I wish i had heard of Dave Ramsey back then.

  3. Nancy Trevino

    I'm 41 just found about Dave Ramsey because I was helping my son earn a credit for his junior HS year. I wish I would of found him when I was in HS. I guess it's never too late. My 3 boys will be taught his lessons. My husband and I will start now.

  4. Yanna& Kidstv

    Here at 21 bc I have two kids and I won’t financial security . I’m stable just not secure.

  5. Erica

    I've paid off over $20K in debt over the last year by working Dave's plan. It does work! I'm down to my very last debt: $9,100. My goal is to be debt free by my birthday in September.

  6. Kate Slater

    15 months ago… I started his baby steps. Today we’re done with Bs2. 30k paid off! I fought him in my thoughts for a month… kept listening to this speech a lot. And one day I believed it… looking behind I say thanks Dave. Love his passion!!!!

  7. Dorcas Bill

    If you allow your vision to only see, where seems possible or reasonable, you limit the true potential of your success. Open your eyes ?_We all want to get more money and want to be more successful but fail to do the basic. If you want a change in your life and standard of living, goto mr Charles @Charles_forex09 on IG for help and start earning $6,000 weekly.

  8. Dorcas Bill

    If you allow your vision to only see, where seems possible or reasonable, you limit the true potential of your success. Open your eyes ?_We all want to get more money and want to be more successful but fail to do the basic. If you want a change in your life and standard of living, goto mr Charles @Charles_forex09 on IG for help and start earning $6,000 weekly.

  9. ILL Fortune

    $100 a month from age 25-65 with 12% interest is only $53,760… Not $1,000,000. Did I miss something?

  10. Anthony Parker

    I'm at the age of 17 and this 45 minute video has taught me more about life than 12 years of schooling has and that's sad…

  11. bladedspokes

    Be sober minded and be watchful, for the enemy the Devil prowls like a roaring lion, looking for someone to devour… these are the credit card companies setting up shop on campus to lure our students into a lifetime of debt. (1 Peter 5:8 for reference)

  12. Stephanie Fort

    On baby step 2, started 04/2020 at 33k in debt, I now have 16k to go! I can almost see that finish line!

  13. STEMCOR

    I have challenged myself to put away 50% of my monthly income into dividend stocks which is quite easy since I live frugal without debt. I work as an account executive, and make over $16000. $8000 goes into dividends, and the other $8000 covers my my food plus living expenses monthly. I am seeing improvements in my portfolio, dividends look certain, but I have to attribute this to only to guidance of a licensed financial advisor who allocates funds to a plethora of assets for me. I have to stay disciplined, and remember that I’m in it for the long term. Good luck to everyone and thanks for the great video.

  14. daniel thibodeau

    this program works. i was making 12k/yr as a single parent when i started the steps here i am 7yrs later making 22k and a home owner.

  15. Eri Ramirez

    I'm 200,000 dollars in debt including mortgage. I'm starting with my step #1 at age 28 my debt includes 2 cars and credit cards. Wish me luck…

  16. Joe Average

    Give Caesar's money back to Caesar when he asks for it or when you're done with it, and give your heart to the Creator who created you.

  17. obiclone

    I did the baby steps out of order because I had not yet heard of
    Dave Ramsey
    I did
    1. $1,000 Emergency fund
    3. Six months of living expenses
    ( more like a year)
    6.Paid off my house last year
    now I’m almost done with number
    2.

  18. Alfonso Beltran

    Love Dave Ramsey and his teachings. This is stuff WORKS. My wife and I paid $50,000 in debt in 18 months (from April 2018 to November 2019). During those 18 months there was lots of sacrifice. I was working 3 jobs and was working 70 to 75 hrs a week. It was so WORTH IT. Now, I only focus on my main job, I work about 40 to 45 hours a week, and I sleep very well :). Because of my hard work, I’m getting ready for a promotion this year. We are in step number 5.
    In the 24 months that we have been working on this plan, our progress financially and as a married couple, has been so much more than what we have done in 10 years of marriage. I’m 37 years old.
    YOU CAN DO THIS !!!

  19. hartsarah12

    I just need some clarification. Is the 15% of household income towards retirement each spouse or combined spouse? I think the answer is combined. But what if your retirement times are spread further than the average married couple?

  20. Gina Mendoza

    I'm 22 years old, will be closing on my house this Monday!! A coworker of mine sent me to Dave Ramsey! Wow so glad he did! Baby step one completed….. STEP TWO HERE I COME!!
    GOOD LUCK EVERYBODY.
    IM GOING TO BE CHASING THAT CHEETAH!

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