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How Do We Save and Pay Off Debt at the Same Time?

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Lately, it feels like I’m stuck in a financial tug-of-war—trying to save for the future while drowning in debt Every time I make progress, something comes up, and I’m back to square one It’s exhausting, and I don’t know how to balance saving and paying off debt at the same time How do people even do it?
Comment from : @Colbe-lx7fb

I took the really LONG TERM VIEW approach i bought a reasonably priced house, paid it off early, saved money I didn't live lavishly, but years later, i am able to pay cash for everything but i bought into the live "way below your means" logic early on
Comment from : @LeadersHQ-1

Managing money is different from accumulating wealth, and the lack of investment education in schools may explain why people struggle to maintain their financial gains The examples you provided are relevant, and I personally benefited from the market crisis, as I embrace challenging times while others tend to avoid them Well, at least my advisor does
Comment from : @AnnieHolsen

I dont recommend tackling your baby
Comment from : @daytoncjans

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money I started investing below the $100k mark and in the first 2 months, my portfolio was reading $234,800 Crazy right!, I decided to reinvest a huge percentage of my profit and it got more interesting! For over a year we have been working together making consistent profit just bought my second home at the beginning of summer
Comment from : @Donnafrank-k6e

did he really say $70k household income in california? there's no way to live without debt in san diego on that much income
Comment from : @MFFL674

Man I would hate to spend a 19k inheritance on something as stupid as a car I would sell the stupid car and pay cash for a used 5-10k car But oh well, I guess Dave will always have good job security because of stuff like this
Comment from : @Deng1neer

I'll say this now F a debit card That is a line drive access directly to your funds Happened to meand NEVER again NOT fun Now being DISCIPLINED use that credit card as your "debit" and pay it off every week Saves a ton of stress Now if that is compromised MY direct money is notand I have time to get all the complaints filed His NO credit card rants is only thing I don't agree with This whole absolutely zero credit card use seems cultish Use it responsibly, and you're fine
Comment from : @johndouglas1294

quit moving craphole to craphole
Comment from : @shanea3956

Managing debt, family and savings is a limiting problem prevalent right now
Comment from : @SuccessMindset2180

Its easy, you just save and pay off debt at the same time
Comment from : @timbenzel1751

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money I started investing with $150k and in the first 2 months, my portfolio was reading $274,800 Crazy right!, I decided to reinvest my profit and get more interesting For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family
Comment from : @Lourd-Bab

I love how we have to spend money to save money…!? Using the Ramsey financial tools, they’re another monthly subscription we have to sign up for that Dave tells us to cancel and cut out of our unneeded expenses…!? Make this make sense
Comment from : @BGoetz1182

Caller: I only have 1k of surplus currently with all necessary billsbrDave:lets say you can save 2kbrbrWth? He just told you those were necessary expenses You cant just willy nilly come up with 1k Dave stop doing this bullcrap It pisses me off Dwal with peoples situations Not a fantasy world you make up
Comment from : @bryankasper8567

🤑🤑🤑
Comment from : @Allen-k6n1o

Don't cut up your card If you pay it off monthly, there is no issue Cards insure your paments
Comment from : @debse7286

18k loan for a used car only in America
Comment from : @EJL045

Looking at these numbers make me feel greatful for only having 9k in debt
Comment from : @justjill2896

My partner and I have paid off 20k of 45k since last summer
Comment from : @lilianareyes9594

They'll only have to save for 20 years to maybe buy a house in SD lol
Comment from : @kvgolfa

Dave's blood was boiling red when she went "off brand" and told the guy to actually consider his baby 😂
Comment from : @GuitarGuy650

That couple also needs to save money for maternity leave
Comment from : @lunallena5594

Stop having babies while you're in debt!!!!
Comment from : @christopherpaige406

He said "great" instead of "better than I deserve" I'm unsubscribing
Comment from : @JarrodCook93

It's hard to budget money 🤑 right now I only have change I never touched it that's a good idea to teach me to budget money
Comment from : @denitracole1027

70,000 in California
Comment from : @kathya1956

Yuck don’t throw that inheritance towards that car
Comment from : @cantgetright742

$8000 in debt, paid down to $3999 I feel much better !!!
Comment from : @MostDopeJavi

I dont have any debt work 40 hours a week, am homeless cant save money because gas is so expensive food is so expensive and wages havent buddhed in years The job that once paid my bills and left me with e tra money now has me homeless baremy able to eat
Comment from : @tylerstanley1879

MY INFINITE GRATITUDE TO YOU bMYSTERY PLANET ORG/b ON GOOGLE FOR DOING THE IMPOSSIBLE YOU KNOW I WAS TRYING FOR LONG SO THAT I COULD COMPLETE THE TASK YOU DID FOR ME AND I WANT TO THANK YOU FOR EVERYTHING, YOU ARE SIMPLY THE BEST
Comment from : @tahasahin2749

I’m incredibly fortunate to came across you on YouTube, someone like you in my life I couldn't have gotten a brand new car without you THANK YOU bMYSTERY PLANET ORG/b ON THE INTERNET
Comment from : @mukaddesozdemir5985

MY INFINITE GRATITUDE TO YOU bMYSTERY PLANET ORG/b ON THE INTERNET , FOR DOING THE IMPOSSIBLE YOU KNOW I WAS TRYING FOR LONG SO THAT I COULD COMPLETE THE TASK YOU DID FOR ME AND I WANT TO THANK YOU FOR EVERYTHING, YOU ARE SIMPLY THE BEST
Comment from : @roselandqwe

continuously helped me like you have I thank God for your presence in my life Thanks a lot!!!
Comment from : @galaxeuphoria

They deserve everything that coming to them What they do to innocent people is awful Thank you so much for what you do It clearly is getting to them and love to see it You guys are doing the real work here! This happened to my 97 year old grandmother and luckily we caught it just in time, thanks to these recovery!! THANK YOU bMYSTERY PLANET ORG/b !!!!
Comment from : @alperenhayta3184

How do I get on this show
Comment from : @babxks12

Moved from New York to CaliforniabrbrWent from Hell-hole to SHIT-hole
Comment from : @thecartooncynic

House hold income of 70k in California?
Comment from : @c4me540

His name is not James with that Indian accent lol😂
Comment from : @karanlubanavlogs7928

I owe 15k on a car that's worth 9k, can I just give that to a dealership and pay off the rest in payments?
Comment from : @ryancordle3625

Wow this advice will destroy your finances Dear listener if you're reading this Click off the video now
Comment from : @BoneHeadPlaysGames

"James" called? I'm sure ai just fills in the name of the account of the viewer to promote engagement but it's just comes off as you trying to fool me
Comment from : @BoneHeadPlaysGames

Drive that old junk, eat in more, stop visiting the malls Simple steps to help pay off debt And oh, watch Ramsey to keep the fire going
Comment from : @foreveryoung999

Wow, amazing my mom and I make huge profit on my investment since I started trading with Shana Heckel , her trading strategies are highly exceptional,
Comment from : @magretshawn

It’s funny how Dave always add money to people savings per month 😂
Comment from : @sxtsxt6714

If binge watch dave you will learn its all about Dave and how you can make him more $$$$
Comment from : @rdbeaz

You put some in a separate account You also pay down debt You would be surprised how fast that seperate account grows Once your close or surpace Transfer pay off !start again
Comment from : @tammyhenderson7107

I hate debt
Comment from : @sulaimankhan8033

Rachel is so smokin
Comment from : @guythecat490

can't believe this guy actually needed advice
Comment from : @HEC892

So if I live in a hotel and two jobs But no car I walk or Uber to work Do I get a car or apartment first please help
Comment from : @arielgriffin7273

Does the same apply for a wedding?
Comment from : @mattshaffer83

DO NOT REDEEM THE CARDS!!
Comment from : @SophisticatedDogCat

All these people watching YouTube during quarantine I was doing Doordash 10 hours a day But, cool, a full-time pastor just kicking back at his computer Not exactly what Paul the Apostle did
Comment from : @spicerc1244

The steps WORK… it’s amazing how when u have a plan and give every money a “job” with just a small amount of discipline how efficient it is I know it sounds silly and elementary but I was never taught this
Comment from : @icu_corey_rn_903

1000 bucks in savings!!!??? Kill’s me every time
Comment from : @ciscothekid1111

James sounds like African American so therefore by defult he will fail
Comment from : @jeffyeager1997

Tried paying financial peace University, because I’m from Australia it didn’t allow me to pay Is there a way to go around this? I want to be financially literate
Comment from : @nicolasicastrosanmartin1041

Dave Ramsey stopped me from buying a new 2022 Camry and suddenly have an appreciation for my paid off 2004 expedition
Comment from : @ryanzavala1315

I've paid off almost 26k in debt this year hope to be out by middle of next year
Comment from : @fabbz94

Awesome video!!!!!
Comment from : @uriel-heavensguardian8949

Made some bad decisions in my early 20s I blew 30 grandnow I'm on a mission to get it all back
Comment from : @james-mayonnaise007

ppl laugh at me when I bought tsla at 50 whos laughing now? jajajajja
Comment from : @luoro5802

How do we do with paying our debt off with the new world order on its way?
Comment from : @rich2209

Dave Ramsey legend, much love from Belfast norther Ireland 🇬🇧 🙏
Comment from : @darrylgreer68

this isn’t dave the real dave would’ve said “better than i deserve”
Comment from : @nickbreving3705

Why…? Why move to California? I’m a happy healthy resident of California and I don’t understand the appeal
Comment from : @willteuscher8253

Why did this guy even call? I'm jelly!!!! 😂
Comment from : @missmargmillionaire6421

You really can't teach anyone to be disciplined on saving, investing and spending They are responsible to have self control and live beneath their means Some just decide not to do it, and focus on acting rich
Comment from : @jimhandler1129

Very good point Babies and pregnancy can end up with unexpected bills Hopefully everything goes well
Comment from : @mikeshaw4610

The best way I’ve found for paying off debt is by paying off the debt🤫
Comment from : @alexsegura8733

Losing job senario regards to savingsgreat intensity
Comment from : @person-ey2ct

No shame ask money what if you pay me back critizing me lots how many times buried me
Comment from : @rosiebaker4250

What mom I am not your mother I don't know you I don't suport you at all I am not your mother
Comment from : @rosiebaker4250

Why use debit? There’s so much risk going debit only instead of using cc responsibly like it seems he’s doing
Comment from : @Webbygears

Welcome 😀🇨🇦
Comment from : @dchrysostom

Binge watching Dave’s videos after I got off track I have got to get this debt paid off!!!!
Comment from : @Mochachocalatteyaya_

The financial burden is the child
Comment from : @ANik-uksau

What a mess
Comment from : @bushmonster1702

what are all the baby steps?
Comment from : @ashrick718

Omg I’d be freaking out having a baby with only 1,000 saved
Comment from : @Twestliw

Alternative living, minimalism, and you can save alot
Comment from : @RelaxzMV

This was helpful
Comment from : @The1LadyLovely

This guy is so lucky he has family with money already the fact that his mother gives him money and he just got an inheritance is a huge blessing I have none of that whatsoever good luck guy
Comment from : @shellyagourmet9409