Dave Ramsey

The news was screaming: The market’s crashing! We’re all gonna lose everything! But here’s the test. Go surf around today and try to find a single positive story about the market going back up. Try to find one article that says the losses from January have been fully recovered and then some. You won’t. I’ve been doing this for over 30 years. After 9/11, the market shut down because Wall Street is right there. When it reopened, it tanked. Everyone said we were under attack, the economy was over, our retirements were gone. But guess what? 54 days later, the market had fully recovered. And no one talked about it. Why? Because panic sells. Fear gets clicks. Recovery doesn't. Stop letting the headlines control your outlook. The economy is stronger than you think. And the truth doesn't always make the news. #economy #stockmarket #news #moneyadvice

If you hate your career path, it’s okay to admit it. And it’s okay to change it. I’m not saying it’s easy. In fact, it’ll probably be hard. And making that first move will probably be scary. But staying stuck in something that drains the life out of you? That’s even harder in the long run. You were created with unique gifts for a reason. You don’t have to waste your life doing work that doesn’t light you up. You can do something that matters, something that makes you proud to get out of bed in the morning. Don’t let fear keep you from walking away from a path that was never meant for you. #workhumor #hatemyjob #imjustagirl #worklife

This couple is a million dollars in debt. #debt #daveramsey #moneyadvice #moneytok #moneyproblems

Replying to @Emma Money doesn’t ruin people. It just reveals what was already there.

A caller asked me, “What’s the maximum amount I should spend to save my dog’s life?” I LOVE my dog. Honestly, I prefer him to most people. So I get it. Saying goodbye is brutal. But here’s the hard truth: The answer depends on whether you’re helping your dog, or yourself. If there’s a real shot at healing and you can afford it without debt, there's no shame in spending the money. But don’t force a suffering animal to hang on just because you can’t let go. #dogs #pets #veterinarian #sayinggoodbye #dogsoftiktok

She lost her baby due to medical negligence and received a $850,000 settlement. Now the father of her children (who refuses to marry her) says he deserves the money because he provides for the household. #medicalmalpractice #griefandloss #loss #relationshipadvice #moneytips @Rachel Cruze

Thinking about buying a house with your boyfriend or girlfriend? Don’t.   If you're not married, keep your finances and your names separate. I’ve taken too many calls from people stuck in legal messes because they played house instead of building a future.   Want her to feel like it's her home? Then marry her. #relationshiptips #moneytips #movingintogether @Rachel Cruze

Lindsey and her husband are in their 30s with two daughters, and he wants to quit his job and sell their house to start a restaurant. Lindsey is concerned that he has no business plan, and she wrote in to The Ramsey Show for advice. Now, is there a way for his to live his dream without it destroying his own family and himself in the process? Yes, sure there is. You do a business plan. You go to work in a restaurant. You learn the restaurant business. You work in leadership in a restaurant, management in a restaurant. You understand purchasing in a restaurant. Then you redo your business plan, because now you’re going to be smarter. Then you start a catering business on the side. And you grow your catering business so big that you buy a food truck. And then when the food truck and catering makes you so stinking much money that you paid cash for all this without selling your home or quitting your job, three or four years from now you’ll have the money to open your first restaurant with cash. And then you’ll actually know what you’re doing. #restaurant #restaurantlife #hospitalityindustry #chef #cooking @rachelcruze

7 Steps. That’s it. A simple plan, and it works EVERY time. BUT... it’s a lot easier said than done. To complete these, you’ve got to decide you’re going to DO it. Day in and day out, you’ve drawn a line in the sand, and you are NOT going back. No more excuses. You’re taking control of your actions and your life. You’re ready to make your money work for YOU, not the other way around. #moneytips #moneyadvice #debt #debtfreejourney

When something doesn’t feel right, it’s usually because it isn’t. #crypto #relationshipproblems #scammer #datingstorytime

When I say “beans and rice, rice and beans,” I don’t actually mean only eat rice and beans. What it represents is so much more than a low grocery bill. It’s about short-term sacrifice for the long-term win. You can do anything for a few months, even a few years to set yourself up for a lifetime of success. You have to live on less than you make in order to pay off debt, in order to save and invest, in order to be generous. You can’t spend more than you make and end up anywhere except bankruptcy court. And people are doing it every day, everywhere. The stuff I talk about is not hard to understand. It’s very hard to actually go and do it. You’ve got to decide you’re going to DO it. Day in and day out, you’ve drawn a line in the sand, and you are NOT going back. No more excuses. You’re taking control of your actions and your life. You’re ready to make your money work for YOU, not the other way around. Are you ready to change your life? #daveramsey #riceandbeans #moneymemes #funny #debtfree

The data shows that a 6-month engagement, on average, leads to a long-term marriage. That does not mean it has to be exactly 6 months. It could be 9 months, 4 months, or somewhere in between. I have friends who dated for just a few weeks and have been married for 40 years. There are always exceptions. But statistically speaking, a good, fully engaged, present-in-the-same-city engagement that lasts around 6 months has the highest probability of resulting in a successful marriage. #engaged #engagement #marriedlife #relationshipgoals

Bianca just got married a few months ago, and now she’s realizing her husband’s money habits are putting their future on shaky ground.   This isn’t just about missed child support or a car headed for repossession. It’s about two people with no shared vision.   But there’s hope. It starts with sitting down and saying, “Where are we going, and how do we get there as one?” #moneytok #marriedlife #marriageadvice #moneyproblems #fighting

She’s 24. A single mom. Living in a domestic violence shelter.   Her baby boy’s had multiple heart surgeries. She’s $18K in debt and about to lose her car.   She called The Ramsey Show looking for advice. #singlemom #domesticabuseawareness #domesticviolencesurvivor #moneyadvice #needhelp