@daveramsey: We're not here to shame you. We're here to help you go forward. The only benefit of looking back is figuring out what not to do. If you keep doing the same thing over and over, you're going to keep getting what you've been getting. Getting out of a scary situation takes some dramatic changes. We got Carlos on the @EveryDollar app with a first goal of finding margin in his budget to help him save $1,000 for his Baby Step 1 starter emergency fund.

Dave Ramsey
Dave Ramsey
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Region: US
Wednesday 23 September 2026 14:56:20 GMT
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olav1967
Olav1967🇧🇻 :
I love the way you show respect to people and help them .
2026-09-23 15:03:13
236
brettseattle
Brett :
Do not be embarrassed, sir. I wish you a positive future.
2026-09-23 21:25:19
241
3speed5
3speed :
I’m 47 now. Will retire at 55 will not quite $3mil in stocks, savings, and 401k. Some people just don’t plan ahead
2026-09-23 15:45:34
114
diogopinheiro.art
diogopinheiro.art :
wait 55k as a security guard seems kinda high?
2026-09-24 10:58:57
7
_de_poet
kofi :
64 yrs old, I won’t even worry about debts. What possible could happen to me? I will enjoy my life with my family and grandkids and worry less abt paying back. When I’m gone the debt will pay it self.
2026-09-23 23:41:12
10
yessie0011
YeSsie :
he makes 55k and what about me 2 jobs i make 24k 🥺there is no way out
2026-09-23 22:50:30
15
princess94910
Princess :
Don’t be embarrassed
2026-09-23 23:19:30
14
femalesfarmerrancher
female farmerrancher :
I want to invest
2026-09-26 22:45:11
0
spenser.sheffield
The.Sheff :
All of us are broke
2026-09-24 10:18:41
6
user6269939297103
Guy :
I love that you said ‘ not here to shame you, here to help you … class act”
2026-09-23 22:05:29
19
localoca0123
cleng2 :
$55,000 gross. How can you really save. Rent, utilities, insurance, food, medical bills
2026-09-24 02:27:16
12
avarisking
Avarisking :
Great you respect your audience in every condition.
2026-09-23 16:03:49
21
paisa.bea
Bea :
Don’t be ashamed keep looking up and keep going forward
2026-09-24 01:51:29
5
beefyking1
Beef :
glad the caller is tuning in and watching- it’s a wonderful start!
2026-09-24 20:44:47
5
gfr2331
gfr2331 :
Great job Dave! 👍
2026-09-23 18:09:02
14
hollyhamblin681
hollyhamblin681 :
I owe 55,000 in credit cards.. our home is paid for. Our cars are paid for. The payments to the IRS is around 45,000 a month. So what we actually have a month is 8500.00 after paying 3000.00 a month for insurance. 2000.00 in savings for ours taxes. And 3000.00 in credit card payments. That is not what we have left all those bills have to be deducted from the 8500.00.
2026-09-23 21:46:49
11
drizzer85
Drizzer85 :
run it up.....
2026-09-24 01:07:30
5
montanna_45
Mon🃏 :
a lot of ppl saying it’s over and it’s not over with !!💯faith and prayers and hard work will get your through
2026-09-23 21:17:15
11
steven7773455555
Steven :
I’m 54 skint cause I’m out every night
2026-09-23 21:08:51
7
carnagegetsitw
TheCarnageClips :
Dave has been helping lives
2026-09-23 20:47:07
5
tiffany.rose649
Tiffany Rose🇨🇦🌈 :
if you're a security guard, I've been doing this for about a decade, please make sure you have a side hustle for extra money because it's a dead-end industry and it's a contract-based business so you're not guaranteed raises if you were working directly for an actual company that hires security, look for in-house security positions that don't use agencies, and get your driver's license because mobile security pays a lot more
2026-09-23 20:31:03
12
vueltabajo_77
vueltabajo_77 :
Amen
2026-09-23 15:08:14
5
catherine.do7
catherinedomond :
Excuses!!!! You were never been thought about savingssss pleaseeeeeee,,, me neither but I always knew that I didn’t want to work until even 60 so well . I deprived myself of so much and couldn’t care less about society. Make plans stop going for the newsssss things in life all the times. Avoid excess
2026-09-26 00:45:04
3
aczibe.norberto
Aczibe Norberto :
He will help you out brother believe in yourself and God will bless you.
2026-09-24 21:17:12
4
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