5 Things That Will Make You Wealthy - Dave Ramsey Rant（原声文稿）

Now, the stuff we teach here and have for almost 30 years is proven.

It's no longer an opinion.

It's not a theory. I don't agree with Dave Ramsey's advice, which would make you. wrong.

And I know you're writing a blog from your mother's basement and you're looking for. click bait using my name, I understand that, but you're wrong.

And it's always humorous to me to see people who are broke on Twitter ragging on.

the advice that I give or a broke 26 year old journalism student deeply in student. loan debt writing an article about me.

That's humorous because it's stupid.

Here's the thing. Here's the advice that we give you.

if you do these five things from the Bible and from your grandmother they're called.

common sense you will win with money 100 % of the time now I don't know exactly how.

long it will take you and I don't know what win with money will mean because I.

cannot predict your income and I cannot predict the tragedy that that you will. have to overcome.

But subject to your income to tragedy ratio, to the extent you do these five. things, you will win with money.

You will become wealthy in North America. If you will do these five things over and. over again.

Number one, you need to have a written plan, a budget.

Jesus said, don't build a tower without first counting the cost lest you get.

halfway up and you're unable to finish and all who see you begin to mock you and say. this man began to build.

No one began to build and was unable to finish.

No one accidentally wins at anything and you're not the exception. I don't like. Dave Ramsey's advice.

I don't give a crap. You're wrong. You have to do a written game plan with money. or you're going to lose. The second thing is you got to get out of that.

Your most powerful wealth building tool is your income and when you spend your whole.

freaking life giving your money to banks who fill up the skyline and have furniture.

nicer than yours that makes you stupid get out of debt when you don't have any.

payments you know what you've got money do I care if you get out of that yes I want. you to win I want you to have a great life.

but do I care if you agree with me? No.

I don't care if you agree with me. If you don't agree with me about this money. stuff, you're what's known as wrong.

I've been doing this longer than most of my critics. They were peeing in their. diaper while I was doing this stuff.

Live on less than you make. Number three.

in the house of the wiser stores of choice, food and oil, but a foolish man. delivers all, devours all that he has.

If you spend everything you make, you're a fool. Well, Dave, you don't know about my.

situation in America today, wages are stagnant. So why are they stagnant at your. house?

You know where wages are stagnant? On people who are stagnant.

You're only stagnant God stagnant wages if you decide to stay there and keep getting.

those wages this is not Russia you can quit I don't like how much Walmart pays I.

don't like how much McDonald's pays so don't work there stupid go to work for.

somebody else I don't like how my company treats me so leave go be somebody there's.

no reason that you have to be stuck somewhere because some liberal journalist. said you were stuck you're not stuck you're.

stagnant don't be stagnant you know what stagnant pond water does it grows scum on.

top you don't want to be stagnant you get scummy you need to go be somebody you need.

to leave the cave kill something and drag it home you need to decide that my life is.

not good enough the way it is and so I am gonna control the controllables.

I am going to change some things. Because guess what? Nobody in Washington is gonna.

fix your life. Santa Claus doesn't live there, baby.

Have you noticed that the Democrats and the Republicans neither one could freaking.

add? Have you ever had any of them send you money? No!

They are not gonna fix your freaking life. You are gonna fix your life. You're gonna.

get on a plan. You're gonna get out of debt. You're gonna live on less than you. make.

And then Then you're going to save some money. You know how rich people get rich?

They save money. Wow! I don't know if I agree with Dave Ramsey's investment. assumptions.

I don't give a crap if you agree with my investment assumptions. You know what my.

investment assumption is? My assumption is you're going to be broken until you save. money.

That's my assumption. You need to get up off your assumption and go do something.

You need to get up off your assumption and start investing some money.

100 % of the people that don't save money don't have any.

wow how's that for insight doesn't take a freaking rocket scientist to figure this.

out you know what the problem on your investments are the problem with your.

investments is not your rate of return it's not your expense ratio it's not no.

load versus load it's not your 100 % of the people that bill wealth save money on.

purpose a lot some people do it poorly in a stupid money market account and make no.

money on their money others do it wisely and mutual funds that outperform the S &P.

or real estate that they pay cash for that outperforms the S &P others are just.

passive and do the S &P and they all write books about it and all have a freaking.

opinion and make money off of you while you're stagnant.

that's stupid don't be stagnant invest money save money you know how you're gonna.

do that you're gonna be on a plan you're gonna get about a debt you're gonna live.

on less than you make and voila there is money in the budget it's called margin.

baby and now you got the money to be rich you got to act act like rich people and.

that's not go spend a bunch of money more on because rich people don't go spend a.

bunch of money I'm gonna go buy a Ferrari I'm acting like rich people no you're.

acting like a moron that's not Ferrari's aren't rich people that's the ultra rich.

you don't buy a Ferrari if you're a millionaire that's a seven I mean it's. crazy you people.

I'm gonna act rich I'm gonna rip people off that's just a liberal nonsense rich.

people don't rip people off, they don't get rich by ripping people off.

That's just stupid. Don't be stupid. It makes you look bad. Don't do that.

And if you'll get out of debt and you'll invest and you live on less than you make.

and you have a plan, then you can do the last one. It's the most fun you'll ever. have with money.

You can be outrageously generous. Randomly generous.

Lavishly generous. But broke people can't do that. Because they sit around and.

discuss their investment philosophies and while they invest nothing.

It's like people smoking weed discussing the meaning of life, they ain't getting.

nothing done. You need to get up off your assumptions and go do something. It's your turn.