Watch Dave Ramsey's 90-Minute Dumping Debt Presentation For Free

Get Rich Slowly found Personal Finance maven Dave Ramsey’s full 90 minute presentation on “dumping debt” available on YouTube.

Part 1Part 2Part 3Part 4Part 5Part 6Part 7Part 8Part 9

Inside, we’re watching each part and summarize the highlights so you don’t even have to watch if you don’t feel like it…

Part 1

Debt is stupid
Debt is an aggressively marketed product
Living without debt requires a paradigm shift
We used to think debt was a sin
1910 Sears catalog called buying on credit “folly”
Today, Sears has made more money on credit cards than on merchandise

Part 2

Credit card issuers sent out 4.2 billion offers last year
Credit cards are a product
Banks are in the business of selling debt
Debt has become enmeshed with the fabric of everyday life
Don’t get him wrong, Dave only blames himself for when he got into debt
We have become a culture of borrowers, aka, sharecroppers
“The rich rules over the poor and the borrower is slave to the lender” Proverbs 22:7 (NKJV)
Dave uses a chain to demonstrate how he got into debt, wrapping it around himself more and more as he buys a couch, TV, stereo, and no-money-down home, on credit
According to Larry Burkett (?), we spend the first 5-7 years of our marriage trying to reach the same standard of livings as our parents, only problem being that it took them 35 years to do it…
Of the 52% of marriages that end in the first 5 years, 90% of them cite money troubles as the primary cause
Eventually Dave and his wife decided to go completely broke and get rid of everything and work like crazy to escape their payments
Myth: If you loan money to a friend or family member, you’re helping them
Truth: The relationship will be strained or destroyed.

Part 3

Myth: By cosigning a loan, I’m helping a friend or relative
Truth: The bank requires is requiring a cosigner because the person isn’t able to pay. Be ready to pay the loan and have your credit damaged.
If you cosign a loan for your children, you’re not blessing them, you’re bringing them into a master/servant relationship
If you really want to help them, give it to them as a GIFT
Myth: Cash Advance, payday loans, pawnshops, rent-to-owns are needed services for poor people to get ahead
Truth: These are horrible, greedy, ripoffs
Myth: You can get rich playing the lottery
Truth: Powerball is a tax on the poor and people who can’t do math
If you took $32/month, the average amount a lottery player spends, and instead invested it in a good growth stock mutual fund from age 20 to 70, you can retire with over a million dollars
Myth: Car payments are a way of life
Truth: Staying away from payments by driving reliable used cars is what the typical millionaire does

Part 4

Myth: Leasing is what sophisticated people do
Truth: A car lease is the most expensive way to pay for a vehicle
If a car dealer sellls a car for cash, he makes on average about $82. If he sell it with a financing plan, he makes $775. Leasing, $1300
Myth: Sophisticated people write off part of the lease
Truth: Smart people buy items that depreciate in value used
Myth: I can get a great deal on a new car!
Truth: A new car loses 60% of its value in the first 4 years you own it
Instead buy a 1 or 2 year old car
Unless you make $600k plus a year, then it doesn’t really matter!
Sometimes Dave feels like his radio show is the “sell the car show” as that’s his number one piece of advice to people
Dave himself bought a 2 year old car with 23,000 miles on it

Part 5

Myth: Home equity loan is a good because it’s a tax deduction and it’s a substitute for an emergency fund
Truth: You don’t go into debt for emergencies and a tax deduction is not good math
People who justify going into debt for tax purposes are really saying “let’s send the bank $5,000 to keep from sending Washington $1,250″
Myth: I’ll take out a 30 year mortgage and promise to pay extra
Truth: No one pays extra, don’t take out more than a 15 year fixed rate loan
An FDIC study says that on average 97.3% of people do not systematically prepay a 30 year mortgage. See graphic:
shorterterms.jpgMyth: It is good to take out an adjustable or balloon mortgage because “I know I’ll be moving”
Truth: You will be moving when they foreclose
Adjustable rate mortgages were invented in the early 1980’s to transfer the risk of higher interest rate mortgages to you
Myth: You need to take out a credit card or car loan to build credit
Truth: Open credit cards with zero balances and car loans count against you when qualifying for a mortgage
Myth: You need a credit card to rent a car.
Truth: A debit card will work at nearly all major places
Myth: You need a credit card to check into a hotel, make a purchase online or over the phone
Truth: Your debit card will work just as well
Myth: I pay my credit card off every month, and earn miles and points, and a free hat
Truth: 78% of Americans do not pay off the balance every month. If you pay with cash only, you spend less
Consumer Reports says that 75% of frequent flier air miles are never redeemed

Part 6

Though I have no problem with debt or money management, he’s almost got me convinced to cancel my American Express card.
63% of bankruptcy filers blame credit card bills and 89% of filers STILL get offers
The credit card industry is out of control, they’re trying to give lines of credit to dead people, poodles, and children
Myth: I’ll get my teenager a credit card so they’ll learn to be responsible with money
Truth: Teens are the number one target of credit card companies today
Citibank spent 100 million dollars this year JUST for marketing credit cards to high school and college students
Having a credit card doesn’t make you an adult, it merely means you can probably breath air
Credit card companies are priming children for brand loyalty. A back of a Raisin Bran box says Visa is the official sponsor of Grinch’s “Whoville.” Citibank sponsored a learning tool cash register with their name on an included credit card “toy.” “Cool Shopping Barbie” was pulled off the market in 1997 after consumer advocates complained about her being sponsored by MasterCard, though they waited until afte Christmas to do it. She came with her own little MasterCard.
19% of the bankruptcies filed last year were college-age people.
The number one personal finance curriculum sweeping schools today was sponsored and designed by VISA.

Part 7

Myth: Debt consolidation saves money.
Truth: Debt consolidation is a con. Smaller payments equal longer time in debt.
Myth: Debt, properly used, is a tool for financial prosperity
Truth: Debt is proof that the borrower is slave to the lender
75% of the Forbes 400 most wealthiest people say that getting debt-free is the number one way to build wealth

Part 8

The number one thing you need to pay off your debts is INTENSITY
Dave has 6 steps to get you out of debt, which he wants you to employ with the focus and drive of a gazelle running from a cheetah
1. Quit borrowing more money

part 9

2. Save money
3. Pray. (Obviously, this step is not for everyone)
4. Sell a bunch of your stuff
5. Temporarily get a part-time job
There’s a great place to go to when you’re broke… to work
6. Pay off your debts using the debt snowball: pay minimum payments on everything except for the smallest debt. Then put as much money as you can towards paying it off. After you knock that one down, go onto the next one. He says the psychological win is more important than paying off the highest interest payment, as it motivates you to keep paying off debt.

Comments

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  1. savvy9999 says:

    I’ve heard of the “Dave Ramsey” name– usually advertised on a poster for a “Financial Seminar” hosted at some church– but I’ve never seen or heard his material.

    His ideas may be fiscally sound, but am I making something up, or does he market himself as some of ‘preacher’ too? Maybe it doesn’t apply to him, but honestly, that’s kinda why I’ve always avoided him.

    IMO, 99% of those using scriptures or faith– any faith– to support financial decisions are scammers. Sound economics is dogma free.

  2. CMU_Bueller says:

    Isn’t this something that one usually has to PAY for? Shouldn’t Consumerist be leery of linking to material that is most likely copyrighted?

  3. joeblevins says:

    Is this a legally posted video? Isn’t this normally available for a significant fee? I can’t get to youtube from work, just wondering.

  4. Schmee says:

    I used to listen to his show occasionally, but most of his advice is pretty basic. example – if you are wallowing in debt and just bought a brand new expensive car, get rid of the car and get something used (or a cheaper new car) that you can afford.

  5. BillyMumphry says:

    @savvy9999:

    While he does mention his faith in the context of answering callers’ questions, it is not overbearing and usually only comes after a caller has indicated he himself is a Christian. Other than that the only times he mentions it are in using his favorite quote “Borrower is slave to the lender”….and that certainly is true.

    Further, if people listened to “sound economics” they wouldn’t have debt in the first place.

  6. boandmichele says:

    i have personally served him lattes about a hundred times when i was still in high school. hes a great guy to talk to. he puts his info together so it is easily digested and followed. good stuff, i should follow it more often.

  7. Dave Ramsey has some good stuff. We used it to get out of debt and haven’t looked back since. Dumping the debt has allowed my wife to stay home with our son.

  8. foghat81 says:

    A lot of this is common sense [no i haven’t watched the whole thing yet]. I’m sure there are some very valid points & unique ideas, but I tend to agree with Savvy999: I don’t want faith mixing in with it – even if it does prove the point he’s making.

    I’m not 100% anti-debt. However, thinking like that would sure help a lot of people out there. I have no problem with my mortgage. But my wife’s small student loan eats at me constantly :) Once that’s done, it’s nothing but the mortgage and then (probably) a student loan in 16.5 years for our son.

  9. RokMartian says:

    @savvy9999: Dave is a Christian, but I never perceived him as marketing himself as a preacher. He uses quotes from the bible, but he doesn’t use it to uphold his teachings – just as a illustration. Our church sponsored a Financial Peace University and if I recall, he used quotes and sayings from other people and sources too – not just the bible. In fact, I was kind of surprised at how the whole seminar is dogma free. He does talk about tithing and where it fits in your budget but doesn’t give an opinion of it. He just knows it is a part of many Christians lives.

    And this is copyrighted — I don’t think Dave would be happy about that.

  10. jmschn says:

    I’m not even going to bother watching what he has to say. He’ll end up saying what another “guru” in finances reiterate (attach the Suze Orman, David Bach, Robert Kiyosaki, etc etc)

  11. liquisoft says:

    How to get out of Debt the Dave Ramsey way:

    Step 1: Read a book about escaping debt.

    Step 2: Tour the country coaching people on how to escape debt.

    Step 3: Use the money earned to pay off debts.

    Step 4: Repeat.

  12. chipslave says:

    I am a big fan of Dave Ramsey’s.

    Yes, he talks about things that should be common sense, but it seems the way he breaks things down makes sense to me. I have been able to paydown my CC’s faster after trying the approach he suggested.

    He can be a bit preachy and self riteous at times, but all in all I find him entertaining. I also find him to be less greedy than the other financial people out there. Dave often sells his literature at 1/2 price or better, making it reasonable in price.

    …just my .02, I am not affiliated in any way with him.

  13. stanfrombrooklyn says:

    YouTube hides behind the DMCA as a way to post copyrighted materials. If Dave Ramsey wants it off YouTube, then Dave Ramsey needs to contact YouTube and have them take it off. Until that happens, this blog and any others is well within its rights to link to this video on YouTube. (Or at least until the courts settle one of a gazillion lawsuits out there related to this matter.)

  14. I reject two points (which I bet a lot of other Consumerist readers do too):

    1) Yay credit cards. Of COURSE I pay it off every month and of COURSE I redeem all my points/cash rewards. And I make interest on that money sitting in my high-yield savings account while it sits and waits to pay off my credit card 30 days later.

    2) Yay 30-year mortgage. First, I’m not leaving here unless I am physically dragged out of here. Second, of COURSE I prepay principle EVERY SINGLE MONTH. (Well, okay, except September 1’s payment, the first one I haven’t prepaid principle on ever, because they drastically miscalculated my escrow this year so I had to pay a huge chunk of escrow in September.)

    I do like his point about young people trying to attain their parents’ lifestyle in 5-7 years, when it took their parents 35 years to get there. I even had to remind my MOM of this when she was hassling me about getting furniture that didn’t suck. I was like, “Mom, how old were YOU when you got furniture that didn’t suck?” I think my husband also feels like we ought to be up to a parental standard NOW. For me, I mostly miss parental-standard vacations, but luckily vacations aren’t an impulse buy so it remains a psychological longing instead of a credit card catastrophe. :)

  15. bohemian says:

    I generally don’t trust anything involved with organized religion, so much of it is just a doorway to lightening someone’s pocket.

    But Ramsey’s way of breaking down what should be common sense and getting people to stop seeing debit as some sort of affirmation that your an adult or middle class or something seems to get through to people.

    If it gets more people to get a clue it is a good thing.

  16. savvy9999 says:

    thank yous to all who responded thus far about the intersection of church & Ramsey.

  17. rmontcal says:

    More than anything, he gives hope to people who feel like they don’t have any. I stopped listening to him because of the creepy religious overtones to his advertisers as well as the fact that all of his advertisers had to be “approved” by him. But if he’s helping people, even if it is common sense, I support him. He has a good way with people, calling them out on their BS and getting them to focus on their goals of reducing their debt.

  18. asynja says:

    Dave says:

    Myth: You need to take out a credit card or car loan to build credit
    Truth: Open credit cards with zero balances and car loans count against you when qualifying for a mortgage

    That is absolutely 100% dead wrong. Open credit cards with zero balances HELP your FICO score immensely. Your balances count for a third of your total score. Having a zero balance can mean the difference between a 620 and an 800 credit score.

    Granted, there are other ways to build credit besides credit cards…but I stand by my point. Having open credit cards with zero balances HELPS you. Especially if they’re old accounts. That perfect payment history will do wonders for your score, too.

  19. The Reviewer says:

    I pay extra on my mortgage every month/year. Thank you very much. However I think a 15 year would be very nice. Next time or if I refinance I will be getting a 15 year for sure.

  20. glomm says:

    Dave says: The psychological win is more important than paying off the highest interest payment, as it motivates you to keep paying off debt.

    This is innane and could cost people hundreds or thousands of dollars in interest. It is always better to pay off the higher interest debt.

  21. gruffydd says:

    Good post – I agree with the part regarding people who pay with cash rather than use credit cards spend less money.

    Our AmEx bill was out of control, so out of our savings acct, we took 1/2 the amount of a normal AmEx bill and used that through the next billing cycle. We both had money left over at the end.

    It is so much easier to hand someone a credit card, than to let go of cash money.

  22. anatak says:

    @asynja:
    Dave’s point about open credit cards with zero balances is correct. Maybe things have changed, but at least when this video was shot, lenders looking beyond a credit score and into the full report would consider zero-balance credit card as a negative. I believe Dave explains why. Don’t confuse him with Suze Orman – He’s not terribly concerned with maintaining your credit score, more so with dumping debt and wealth building. So while it may help your overall score, there’s more to life and financial life than those three numbers.

    As for the religious aspects of his teachings:
    1> his teachings are inline with the Bible but not dependent on it. This is about Christian stewardship, not “God says this, God says that”.
    2> He has versions of his class for military and the workplace that have no religious references. Yes, it is just good sound advice.

    As for Dave’s material being posted on youtube – he may not care. Sure, his products are copyrighted and protected and all that. But he routinely gives his materials away for free and encourages people taking his class to share the information and materials. There also isn’t much in the videos that you won’t get from listening to his radio show.

    All in all, try to keep in mind, that this post contains approx 1 of his 13 FPU lessons. There is a lot more to what he teaches than what you see here. And incidently, we’re debt-free, and loving it! Thanks, Dave!

  23. taylorich says:

    @glomm: Completely agree. I can’t even listen to anything this guy says because of this one thing he promotes. Paying off the high-interest debt can shave MONTHS off of when you become completely debt free.

    I had a friend who had a 6.9% balance of $3000 on a car and a $9000 balance on a jet ski at 14.9%. She paid off the car first and was in debt for 6 months longer than she should have been, all due to this joker. I just can’t get past it. It’s not good financial advice. She could have not only been out of debt faster, but she also would have had an extra $1500 to enjoy her jet ski.

    Of course right after the jet ski got paid off she went out and bought a brand new car, so I guess Dave’s talks didn’t really take.

    Oh well.

  24. LVPike says:

    I disagree with some of the posts on the High Interest vs. Low Balance. Some people need the satisfaction and momentum from paying off the lower balances, and this will also free them up from having as many due dates and payments to make each month. We all know that the credit card issuers are making it easier for us to have late payments, and when you add this to their “universal default” rules, the consumer needs to be wary.

    Check out this post at The Simple Dollar: [www.thesimpledollar.com] where they look at the two plans side by side to see the differences. High Interest wins by about a month, with about a 1% difference in money paid out.

  25. junkmail says:

    @taylorich: Are you sure you wrote that correctly? That made my brain hurt…

  26. DSteckel says:

    A lot of commenters are dismissing Dave’s information as “common sense”. Well, it’s not quite as common as you might think! That’s why there are so many people out there who are living paycheck-to-paycheck and wallowing in debt.

    I’ve also heard the phrase, “Getting wealthy is simple–it’s just not easy,” which reflects the truth that good advice like Dave’s is quite simple in theory. It’s not easy to practice though, because so many people out there think they deserve their brand new cars, or their designer clothes, or their daily latté, or their exotic vacation, etc., etc., and they deserve it NOW!

    That definitely applies here.

  27. DSteckel says:

    @taylorich: No, paying off the smallest debt first doesn’t make sense when you look at the numbers, but it does when you look at the psychology. A lot of people get into bad debt because they lack self-discipline, and paying off the smaller debts first serves to reward them and encourage them to keep paying the remaining debts off.

    Those people who can do the math and don’t need the little feel-good or atta-boy of paying off the smaller debts first would be better off paying down the debts with the highest interest rates first. However, a lot of debtors need to see proof that they’re getting somewhere, and while it may cost them more money this way, it’s still less money than if they kept living in denial.

  28. zolielo says:

    Should I watch these or are they too basic? Professional economist, few degrees, short of time…

  29. Namilia says:

    I think that I’d rent or buy the video of his seminar (preferably rent if possible maybe from Netflix) rather than watch a pirated copy on Youtube. Sure its free, but its cheating him out of some money…or something. He probably isn’t too happy that it’s been posted and I’d imagine it’ll be removed soon, too.

  30. GreatMoose says:

    My wife and I actually teach Dave’s Financial Peace University courses at our church, and it really excites me to see this on Consumerist! We’ve taught 3 “semesters” so far, and (roughly 75) people have paid off over $1 MILLION in debt! His “common sense” info really does work. We have mild disagreements about a few minor things (like payoff lower balances first), but it really depends on the situation. For most people, the psychological win is far more important than saving a few hundred in interest (especially when you consider how far in debt they were to start with).

    Anyway, it truly is life-changing stuff, and the freedom it brings is liberating. It feels great to actually PAY for stuff. We used to use our credit card for everything (and pay it off every month), but now we use cash. And it’s just better. OK, I’m done.

  31. Namilia says:

    *sees that the home dvd kit is over $250* holy shi–

    He must make the seminar to help people get out of debt from having bought his kit x.x Might as well watch it I guess..I can’t afford to blow $250 like that. Graduating college stinks nowadays..still haven’t managed to find a job that uses a 2 year AA degre in my area..

  32. @anatak: “his teachings are inline with the Bible but not dependent on it.”

    If they were “in line” with the Bible, he’s tell you to go be a poor-ass and not build wealth, because rich people don’t go to heaven.

    (Matt 19:21 KJV: Jesus said unto him, If thou wilt be perfect, go and sell that thou hast, and give to the poor, and thou shalt have treasure in heaven: and come and follow me.)

  33. GreatMoose says:

    @Namilia: if you sign up to take the course at a church or somewhere like that it’s $89. The $250 is if you just buy it directly off the website without signing up for the course.

  34. GreatMoose says:

    @Eyebrows McGee: And that’s totally not what that parable means. Nice troll, though.

  35. GreatMoose says:

    @Namilia: Actually, let me clarify: The $250 is for the DVD set, which (if you sign up for the course) the course coordinators will show at each session (there’s 13 in all). The $89 is the course kit, which has audio CDs of all the lessons (ripped straight from the DVDs), workbooks, a copy of the Financial Peace Revisited book, a bunch of budgeting forms, envelopes, and a bunch of other stuff.

  36. kenboy says:

    @DSteckel: There’s also, I think, some serious value to knocking off a few $500 debts one after the other as opposed to sending in an extra $100 a month on the $20,000 credit card payment.

  37. B Tex says:

    @Eyebrows McGee:

    Then you are one of the smarter ones and in the smaller percentage. He does not say ALL people do not pay off their credit cards every month. But MOST do not!!! If we did, the majority of us would not be in debt.

    If all his stuff is sooooo common sense, then what does it say about the mojority of us who are/were in deep doodoo of debt? WE LACK COMMON SENSE. Let’s face it, the business of debt IS A big business. And what is discustion is how VISA/Mastercard/CITIBANK try to brain wash our kiddos.

    Off my soap box now.

  38. realserendipity says:

    I’ve been through FPU (see previous comment about me being a renewed tightwad) and it helped me pay off $12K in credit card debt. Ive slipped away from the basics but I really do need to get back to them, its so much harder to give the cash as swipe the old debit card.

  39. lockdog says:

    I work for the local branch of a major non-profit housing provider. Part of our curriculum for our clients includes budgeting and debt management. Despite this, and some very rigorous pre-screening we were still having a higher default rate than we wanted. These are people who are defaulting on a $0 downpayment, interest free, 30 year mortage that is actually forgiven after 15 years in brand new, code exceeding, super energy efficient homes. And we were having to forclose. Not good for them, for the donors who kicked up the cash to build, or for us. We started using Financial Peace in our training seminars and have seen our foreclosure rate absolutely plummet. Of course, part of what we do is lending to the sub-sub prime community, so we have to expect not to get it perfect every time, but Financial Peace has proven an effective training method for our clients.

  40. phoenixcat says:

    Hey now– 6th year of the 15 year loan ( and its my second house– used the proceeds from the first to pay off the student loans)- AND I pay extra every month… and I too intend them to have to drag my butt out of here….The deal about the parent’s lifestyle really hit home too. It is so funny how we are so pressured to have the perfect household by our parents– who should know better….

  41. Namilia says:

    @GreatMoose: Oh, I see..I wonder if any places around here do the courses..the city I live in also statistically has the lowest mean age (23) so there’s LOTS of young folks around here who could use a good course in finance.

  42. @GreatMoose: Ah, Grasshopper, not a troll am I, but a working theologian/philosopher with two degrees in Christian theology. You might try working your way through Jesus’s teaching on wealth again, unless you’re a Prayer-of-Jabez sort, in which case it’s a relatively lost cause.

  43. anatak says:

    @GreatMoose: Questioning Eyebrows? This is the Eyebrows McGee. No one dareth state a religious point of view or interpretation of the Bible contrary to that of Eyebrows, who knows all… though seems to be clueless as to what Dave teaches… I’ve only seen God’s work and blessings with my own eyes while teaching FPU. Marriages saved and on the same page for the first time ever. As families get their financial act together and pay off debt, the Lord blesses them with increased income, increased time together, and an overall peace to their lives. Parishioners understanding what the tithe is and why they should do it…. and then actually tithing! Crazy!

    But what do I know? My Christian theology degrees haven’t come in the mail yet, and I haven’t yet figured out what a “working” philosopher actually does.

    You stick to your theories, I’ll keep handling things here in the real world.

  44. AlJacobs says:

    The number of persons that survive paycheck-to-paycheck is staggering. With the universal use of credit cards, on which a flood of interest perpetually flows, together with consumer borrowing for every impulse item the marketing industry can devise, it’s no wonder, as reported, that nearly a third of American families could not meet their household expenses if regular family income were interrupted for sixty days.

    Life in America was once quite different. As a young adult during the Eisenhower administration, like so many of my contemporaries I possessed no credit cards. We all met our daily living expenses with the money in our possession. The only installment purchases that sensible persons engaged in were for a mortgage on a home or perhaps an automobile loan. The bulk of day-to-day expenses were covered by cash or check-and from an account in which the funds actually resided. Bank overdrafts, by which your bank covers a check written with insufficient funds (with a healthy fee attached) were unheard of. You may consider this overly restrictive, but the benefit is obvious: When purchases are restricted by your cash on hand, there is a built-in limit on what you can spend.

    It’s my firm belief that the overabundance of credit in this nation is a most pernicious influence on our citizens. If you acknowledge nothing else, recognize that institutional lending is predatory-by design. For a telling example, consider the practice of one the nation’s largest banks, Bank of America. On the money you loan to them, by way of a passbook savings account, you currently receive interest of two-tenths of one percent annually. However, on loans to you through their Visa card, the rate is 24.24 percent. Can you think of a more descriptive word than predatory?

    The lesson is basic: Avoid borrowing whenever possible. To prosper in this world, there is a fundamental concept you must embrace: Interest is not something you pay; it is something you collect.

    - Al Jacobs, author of Nobody’s Fool, A Skeptic’s Guide to Prosperity
    http://www.onthemoneytrail.com

  45. Usermanual says:

    I love Dave Ramsey. His message speaks to people who are in the “extreme” most of the time. In the case of myself and my wife, we followed his plan and paid off almost 50k in school debt in 3 years. Ahh it’s good to be in your mid 20’s and debt free.

    Thanks Dave!

  46. charleneswint says:

    Listen up broke know it alls, You would be completely dumb if you thought that there was one way to peel a potato. Dave is just sharing one successful way. If you know so much why do you stray away from what you know to be right. Because you aren’t perfect!

    So stop passing your self righteous judgements off on people and become a millionare like Dave is then you can think of something smart to post. Until then pull out the positive things from this presentation and get on with life.

    Keep up the good work Dave! At least you care to share.

  47. Elcheecho says:

    @charleneswint: i’ve always wanted to some potato gloves. anyone know what I’m talking about?

  48. coolkiwilivin says:

    Jeesh some of you people are scary. Surprise, Faith should impact all areas of your life. The bible has a lot to say about money. Next, I’m sick and tired of people saying a faith based reason is nonsensical is just wrong. Why is your lack of faith a greater reason than my faith in moral issues? Truth is Truth and if it happens to follow religous principles it doesn’t make it any less true. The only thing funnier is when anti religous people like Eyebrow pull bible verses out of context and try to make it say one thing when it’s not. We follow Dave’s principles pretty closely not b/c we’ve taken his class or listen to him on the radio and but b/c it’s wise stuff. It also means that we don’t have the newest car or the biggest house or the latest toys but our lives are free of a lot of stress that other families at our stage are in. Unfortunately too many people listen to the liberal lies that you’re not responsible for your actions and if you don’t have something you want it’s not your fault and that someone took it from you which is why you don’t have it. Take responsibility for your life and don’t expect the government or someone else to bail you out.