Dave Yelled At Me For Being Stupid With Money, Now I'm Debt Free!May 01, 2020
in the Ramsey lobby solutions solutions Nikolas and Dara are yes hello guys, how are you? Hello, how are you welcome? Welcome, where are you from, we are from Mamaroneck, New York and Westchester, on the outskirts of the city, yeah, very cool, what is just beautiful. area yes, very nice, good to have you here, you are here to do your screams
free, early fun in Iowa, how much have you paid? We paid 30mm, $42 and 10 months, good for you and your income range. During that time we went from about ninety thousand to one hundred and fifty-five thousand.
Wow, big jump, what was a big jump? He got a big raise and then ended up taking a new job. Oh, a great career and a new job, yeah, here we go. with a great career, yes, here we go, very good, well, what do you do? I'm a photographer. I own my own business. I photograph families and children. Oh wonderful, and I'm a project manager for a construction company. We make tiles. and marble installations in New York, oh, very nice, I realize, well, guys, what kind of
debtwas the thirty-three thousand dollars that we had, about six thousand on a credit card, we had ten thousand dollars on student loans and we end up getting? a car about a year ago and a few months ago for $16,000 that was the big dog, yeah okay that was during baby step 2, yeah well I called in September because I had kind of an epiphany and I thought: should we sell my cars?
We looked at his car, which we do, and to put it lightly, you ripped me a new one and it didn't work right and I walked around with my tail between my legs for about two weeks like we had to. That helped us get started. What did? I'm telling you, you shouldn't have bought that car. Well, I told you which one I shouldn't have done. I told you that you know Dave the whole time I'm sitting there filling out paperwork. I can only hear you telling me not to do it. You go, oh yeah, you said right, why did you do it?
I said, I don't know, I'm so sorry, you knew you interrupted me and you're going, no, you heard me telling you not to do it, so why, oh my God, not? It won't be a banner, so yes, it's a featured video on the YouTube channel. I had to stop reading those comments. You know, oh, we're here, you're here, you made it, yeah, what did you do with the car, did you sell it or pay it off. We paid for it, well, that was the $16,000 car. I left it. Okay, yeah, sure, oh, so you're telling me that you did this while you were on the second step, that's what you told me, yeah, but yeah, that's why I let you out.
Halfway through and we weren't really doing it, you know, and my car broke down and we had no savings and we had bought a car, okay, and it was one, no, I know what, now I'm starting to figure out why it was I bought because not. I don't usually catch someone, yeah, off guard, like that, but I get it, okay, you got me. Wow, sorry, okay, glad you survived. I accept it, oh my God, so what happened? It seems like there are two phases to this whole process emotionally. they were a little light on doing the second step which made you start doing that and then it was that phone call that got you on board and you decide to go all out then or what, tell me how this all worked out, we were making decent
money. you know because of our age and you know what we were doing and we could never find
moneyat the end of the month and I said it's crazy we're making too much money to not know where the money goes so I think with that added to this phone call , it really made us start to take it seriously, okay, but you're working on the second step, literally, yeah, I mean, you knew what it was, yeah, you had death. good willing, we did it, it just wasn't intense, right and I'm zero to 100, like there's really no middle ground for me, so she's not sinking her foot into the pole, or she's on the deck, great, Yeah, so something had to happen. from inside me, not to quote your commercial, someone has to happen inside you and that's what happened.
I was in bed and I thought we had to do something and I thought, you know I'm just going to call Dave tomorrow and then that happened in Valdosta, yeah, so you went after that after that, right, yeah, I had heard about you. and we grew up in Florida in Orlando and my mom used to listen to you on AM radio all the time. time and I would let you know that I knew your name and who you were and I didn't think, I don't think I was really visual of what Dave Ramsey was and you know the whole plan until we got really involved in our church and someone was leading the class we never took the class but someone was leading the class that conversation can be bad act good cool so how does it feel now that you're completely
It feels amazing to me personally, I never really knew it was more of a heart issue, you know, belonging to the church like Dara said we are leaders in our church and in order for us to do this, I know God doesn't need our money. He doesn't even want our money, he wants our hearts, and that was the biggest thing for me is that it has strengthened my faith throughout the whole process because in February I told her that we won't be able to be debt free in July when we take this trip and she said : would you have a little faith?
No, and you know. God provided in ways I can't even imagine. Wow, that was a really cool part for me. You know, it feels great, yes, but now I'm looking forward to what the future holds. I mean, how have you two done it? We've been married for your years We've been together since we were 14 when she was around and I was around Yeah, oh yeah, you know, get a little dirty, yeah, well we've been married for about three years , yeah, okay, good. congratulations and to you, we are very happy that you are probably a fall lunch, thanks to you two.
I'm proud of you. Very well done. I bet his parents are watching him. They're on the right track, guys, yes, they. We're all watching now so you know to cheer us up, that helps a lot, yeah, our friends think we're, you know, weird, but that's okay, we appreciate
beingweird, you're weird, let's say you're doing the debt free scream. to get to, you know, put it in the face of all those negative YouTube commenters, yeah, I know, I know Union, yeah, this was Christian. I go back and read them now, you just mark it with your thumb when you do this and we demonstrate them all. bad I love it yes we took this trip to go to Gro's conference in Darjeeling Islands tonight so we knew we would come here for this that's why our goal was to come on this trip.
So we took a road trip. We were in Lexington visiting family this weekend. We came here yesterday and hung out and met everyone. It's just amazing. I watched the show on YouTube every day. My God! So yesterday I walked in here. It was like watching people, you know someone working, they said: Did you like that of a co-worker? I'm like, yeah, they know I work every day, this is what I do, so it's been really surreal, so we're going to Alabama. Tonight we'll go to Highland Church and then we'll go to Memphis. I'm a big Elvis fan, so you know, close out the trip.
Well, Chris and the Highlands guys are friends of ours, they're good people, awesome, you guys have a It's a good time, so the one where you're in New York is in an arched church up there, yeah, no, I don't. it's, oh, we follow their model, but it's not, yeah, technically, oh, cool, yeah, we're super excited, super fun, guys. I have a copy of Chris Hogan's book for you. Retire. Inspire. I took out the next chapter of a story to be a millionaire. You're on the right track and you're fun. It's a great story. I love it.
Thank you. join this, okay Nicholas Adara, New York City area, $33,000 paid off in ten months, making between 90 and 155 and I didn't even have to sell the car, unless they are debt free. Shout three two one. I love it and it's very fun. In fact, some of you are wondering, some of you who are listeners, who are the nice people, are always worried that I'm too hard on someone and it turns out that you know that a good coach will love you and you will get everything. on your grill and they will love you and hug you when you're struggling and sometimes I do it the right way, not always, but sometimes I lean on someone to kick their ass just when they need it and it turns out to be looking out for their best interests, hey, That's what it's about, so I don't get entertainment value on the show by just destroying someone, there are shows that do that kind of thing and we don't do that if we're looking for someone. it's for their own good it's cool to hear one of them actually turn around it's a little funny and a little awkward and uncomfortable but also a little funny you know some really interesting stuff so remember I skip it I really criticized this girl because I was going to buy a sofa he hurt his mother-in-law to come visit me.
I'm like she could sit on the floor that night. I'm in a restaurant, she comes up and says, and the lady from the show, this is it. My mother-in-law, I go, how's the track? This is the Dave Ramsey show. Hi guys, thanks for watching. If you enjoyed this video, click the subscribe button to get the latest content and check out these other great clips from the show.
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