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How Much Cash Should I Keep In The Bank?

The Ramsey Show Highlights 734 views

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Bitcoin is a joke A great pyramid scheme
Comment from : @donlarson3884

Hope he held his BTC LOL
Comment from : @sidplattenburg2370

Don’t get married 50 loss in divorce
Comment from : @shogun8807

Love these guys but they are wrong of crypto Watching this 2 years later and bitcoin shot up to 106k (their advice didn't age well)
Comment from : @justlayingaround-j2c

Whos watching this now thatt bitcoin is over 100k 😂
Comment from : @ThatBrazilianBoy

If he kept his bitcoin he would be in a much better position right now
Comment from : @kankala358

If you need an engagement band, use a cigar band You newer KNOW?
Comment from : @bser3973

Hopefully he never sold that bitcoin
Comment from : @Paul-oh4fe

This chick is cute
Comment from : @jkay8it

Way to never answer the question in the misleading click bait titles This has happened so much now that I've determined you can't be trusted and I'm done listening to anything from Dave Ramsey
Comment from : @abirch77

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 : @MiaJohnson-l4k

Bitcoin is the best investment
Comment from : @gmckean7

I hope he is still holding the BTC
Comment from : @JEDI788

2:20 brbrThe price of BTC on June 1, 2022 was $29,72162brToday on 1/22/25 it is $104,000 brbrThis is a 349 increase in 2 years or sobrbrThat 15K would be worth $52,488 today
Comment from : @specter290

Hoooo !! 1000th Comment after 2 year of release
Comment from : @MahaRajan-dz4on

Hopefully he ignored their bitcoin advice It hasn’t aged well 😂
Comment from : @JTJT2424

Great example 2 years later here on why you diversify No one knows it all 2:25 he says Bitcoin is not doing too well but not 2 years later it is up 500 It was 17-19K in July 2022 and in Dec 2024 it was $102K
Comment from : @TheQman69

2:20 and this aged horribly
Comment from : @timaaaahhhh

2 years later, Bo is hyped he kept his 15k in bitcoin
Comment from : @colederrick6327

Who’s here after bitcoin just hit 100k?
Comment from : @jonahfrench3833

This guy would have had almost 04 BTC I hope he didn’t sell his bitcoin
Comment from : @HarleyAverage

The 15k in bitcoin is now 75k lol Hopefully your audience figures out what's going on Bitcoin is the most liquid asset in the history of the planet It's not tied up in any way
Comment from : @oliverallen5324

Paid bots so many
Comment from : @dgl3111

Hopefully he didn’t listen to the bad advice about bitcoin because he’ll be kicking stuff in the butt right now This is why you always go with your gut Hopefully he still has bitcoin
Comment from : @ORANGETARGETARMORY

He should have kept his bitcoin for the last 2 years
Comment from : @mrinvisible3770

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 : @JakeSullivan-h2i

Hope he didn't cash out any bitcoin
Comment from : @TheCR3Experience

Beau is probably mad if he sold his bitcoin 2 years ago and it is at 100k now
Comment from : @DevinMcdonald-w1i

George again giving the worst advice This video was 2 years ago, and Bitcoin just hit $100,000 per coin
Comment from : @gabrielnadales9973

I bet he wishes he didn’t cash that bitcoin now lol
Comment from : @logancline7805

Hindsight is 20/20 but I hope he kept the bitcoin!
Comment from : @jerrya2006

These people never mentioned money market accounts Clueless
Comment from : @jaygold4467

Since when did Dave’s daughter become a finance expert??? Nepotism on steroids
Comment from : @jaygold4467

Btc over 90k Lol
Comment from : @hankmaderia7005

Hope he never followed her advice and sold his BTC
Comment from : @grokker99

Going on almost 30 years I do not agree with the 3 to 6 months in savings IMO it is way too little as life again IMO is far more turbulentbrI recommend:br3 months in checkingbr3 months high yielding savings accountbr15 years in a short term bond mutual fund (my favorite is Vanguard)brOnce per year any extra transfer money to a stock/bond mutual fund (Vanguard Wellesley Income fund)brAlso open up a Roth IRA (Vanguard my pick Wellington Fund)brThis high savings is especially needed if you own your house A typical roof replacement for many homes is now over 10k plus brAnd of course continue to increase the amount you can put in percentage wise to your 401k
Comment from : @kennethroyer9949

You should never ever sell your Bitcoin !
Comment from : @bonbonz3011

How you held the bitcoin
Comment from : @kevins5268

High yield savings accounts! Why aren’t you giving this advice?
Comment from : @CJ-rx5fi

Cash is trash It’s no longer money and hasn’t been for many decadesbrIt is nothing but Fiat currency which loses value every year Wake up people
Comment from : @libertyforever836

Amazing content! I have been following your videos for sometime now, consistently kicking down Wall Street doors for two years now, I have over $320k in stocks Currently, my portfolio is down by 15 Wondering if they're any short term opportunities I can invest in
Comment from : @StalinUndav

Bitcoins…lol😂
Comment from : @The-Homecook-0000

Are Bank Safe Today
Comment from : @Joyce-qs1il

I came across your channel through this video—case studies are incredibly valuable, and I'm eager to see more in the future! Building wealth involves establishing routines, like consistently setting aside funds at regular intervals for smart investments
Comment from : @Cesarinaella

I have a 9 month emergency fund, 3 months in cash, 3 months in a CD earning 5 interest that matures in 3 months, and 3 months in another CD that matures in 6 months So I always have 3 months in cash until the next CD matures 3 months from now
Comment from : @HatedJared

I like what she said, if l need cash, I’m not going have to jump through hoops to get to $ , that’s what l like in my situation, if l need some cash for emergency l don’t have to jump through hoops hoops to get it, no questions asked
Comment from : @larryherbert252

Biden/Harris took care of any "Extra" money me
Comment from : @steveogden1829

Just put your emergency fund in a cd at 4-5 if you need it take it out and loss some interest no big deal if you don’t need it it’s still making money
Comment from : @gokeymasterflex

i hope he didnt listen, he would of made a fortune investing 2 years ago in the markets
Comment from : @marcmini8137

I guess I'm doing bad I'm an Hvac guy and I only have $10,000 in my account at 23 years old many people would say I'm doing bad while I'm still living with someone
Comment from : @AIRCONDITIONINGSCHOOLING

Why cant your emergency fund be in a high interest savings like wealthfront? Or 3 months in wealthfront and 3 months in money market, depending on interests rates
Comment from : @bradcruise6291

That guy is doing great my advice to him would Be to stay away from the women believe me they will flock to you when you have money
Comment from : @RogerHoward-mj1uw

Beau needs an HYSA
Comment from : @jeramybearamy8539

"The market taking such a big hit right now" ladies and gents this was said 2 years ago Buy and Hold
Comment from : @coreyvisions972

I need to make an equity loan payment, my real estate doesn't have a tenant So im not receiving rent Im tired of going thru my personal savings Im going to have to sell some stocks as well
Comment from : @stanmoney8470

Meh; the caller's "aggressive investing" meant Moar Bitcoin
Comment from : @AlanHMartin

I agree with all that Rachel and George said Have always kept funds in a safe liquid account Have truly experienced the ‘emergencies’ such as needing four new tires at a moments notice It does happen Wise! Thank you Rachel!
Comment from : @kathyoliva6966

I hope he kept the bitcoin
Comment from : @petrolabkilla

Dont get married or have kids and you can have a lot of money by the time you retire
Comment from : @rpsportsfitness17

If you’re in a Index fund or other type of mutual funds, you can always withdraw the funds whenever you need them like in a emergency - just take enough to cover the emergency so you won’t hurt the compounding too much You get the funds within a 24-48 hour period / 2 working days If the emergency is really emergent, keep your credit card ready with enough funds And keep the least amount of paper currency possible and least amount of uninvested funds as possiblebrThat way no inflation worries and no emergency worriesbrI mean, I’m not a financial expert but isn’t that workable ? 😀❤
Comment from : @monishthomasp

Bitcoin is at 60k now What a horrible advice!
Comment from : @armygreenfj3924

I hope the guy didn't cash the bitcoin 🪙🪙🪙
Comment from : @MrSimmetria

Thank you very much for this very informative video Keeping money in the bank really opens you up to inflation I have about 180k that I want to invest in the stock market, but I want to be strategic with it and I don't know how to start Any suggestions please?
Comment from : @cloudyblaze7916

15k in bitcoin today is about 100k
Comment from : @CB-mx7gt

The Bible really teaches tou everythingbrbrThe story of Joseph is a prime example of this During the 7 years of prosperity he stored up money During the 7 years of famin, they bought lands and kingdoms brbrHow does that equate today The stock market is down, so buy buy buy Dont worry about you checking account if you have a little emergency fund When the market goes back up store, store, store up So when the market goes down your buying when everyone is panicking Same with housing market Why buy a house in this market It will change it always doesbrbr"The skinny during fat time so you can live fat during skinny times"
Comment from : @buyingbuckets6014

Almost exactly 2 years later, I hope this dude didn’t listen to George about Bitcoin He would’ve been up 100 from the price at that time
Comment from : @Saucylaw

Emergency money - surely $1000 immediate and $8000 with a few days notice If someone wants your business, even an emergency, they can wait a few days
Comment from : @DerekTJ

I hope he didn't cash in the B
Comment from : @DerekTJ

cash app now offers 45 percent return, stocks and bitcoin
Comment from : @fireonhair

If you are single, 20k in a high interest savings account If you have a family, 30k in a high interest savings account
Comment from : @lemaitrethemonk

For me I won’t hold anything close to 6 months of expenses in USD The core of my emergency savings is around 10k, which I’ll hold in a HYSA and the rest of my emergency savings is held in gold, which is liquid and not subject to the downsides of a fiat currency like USD
Comment from : @BloodiedYetUnbowed

These people are morons lmao SellbrInvestments when they are low to put cash in checking account? Lmfao
Comment from : @KMT15

I've kept much of my savings in cash for safety, but I'm unsure if it's right for retirement Contemplating investing $400K in stocks, as I've heard investors can profit in tough times Unsure about my next move
Comment from : @Theresaa12

Wrong Should have put more into Bitcoin 2 years ago, You Dave workers will never understand the halving cycle
Comment from : @DMANDIOGUARDI

The benefits of having 6-12 month in cash far outweighs what you lose vs having it invested Life happens and having cash to lean on when it kicks you in the teeth might not make you happy but at least you won’t have to panic and wonder how you will cover the unexpected expense and still pay your rent/mortgage Investments can be down and emergency expenses can’t be predicted so a cash reserve is critical to long term financial health and piece of mind If you have to sell an investment that is 20 down to put a new roof on your house how much more would you lose vs having that money in a high yield savings account?
Comment from : @richardh6964

What a stupid suggestion to cash out bitcoin, watching this video 2 years later
Comment from : @serhiybakhshyyan10

Hopefully he held his bitcoin
Comment from : @markdelej

Never sell the bitcoinbrYour bitcoin will buy the house for cash no mortgage
Comment from : @FreelanceOptionsDayTrader

They could not have been more wrong about Bitcoin Get with the times people Just because it’s new doesn’t mean it’s bad
Comment from : @JoshB913

2:20 ouch, that didn't age well Bitcoin 1st June 2022: $29,300 Bitcoin now 7th June 2024: $71,200 Bitcoin is, and, will continue to be a solid investment
Comment from : @creators1000

“Cash out on bitcoin” respectfully that’s an idiotic comment lol
Comment from : @bombay523

How's bitcoin now 🤔
Comment from : @kevinpombeiro1303

I have 250k in a 45 interest savings account I know its way too much cash but I love the feeling of security and I get 1k a month in interest for doing nothing If I knew what i was doing im sure I could turn it into much more but I am VERY risk averse
Comment from : @mrhawkeye293

Earning 5 on USDC in my Coinbase account Checking account with an FDIC insured, publicly traded Bank No other Bank even comes close to the utility and flexibility of Coinbase Also, I own all of it, THEY DO NOT INVEST MY MONEY! ITS MINEYour standard bank, keeps NONE OF YOUR CASH ON HAND
Comment from : @JSabh

Ya know ya know Ya know
Comment from : @Fush1234

Few HYSA gives like 5 interest; Citbank, everbank, jenius bank, amex savings
Comment from : @apurvavpatil

Love how wrong they were about bit coin The one thing I don’t like about the Ramsey people is how against crypto they are and stuff like that
Comment from : @francism9414