Dave Ramsey // Freedom With Money & Finances // Financial Peace University

welcome everyone to real-life online thank you for joining us today real life is a church for real people just like you and we want you to know that God is crazy about you please take a moment right now and click on the share button and share this experience with your friends and family this weekend we are so excited to welcome Dave Ramsey to real life as we continue in our year of freedom Dave is an expert on managing money and teaching biblical principles to help people gain control over their finances one of the biggest areas that people struggle with is managing their money so this is going to be a very important message we all need to hear thank you again for tuning in today let's get ready for a real life online [Applause] [Applause] [Music] this is my family's legacy though I'm talking about here I've gotta have a plan and be focused you pass on to your kids that's how you change a family tree you change your life when you get sick and tired of being sick and tired [Music] oh good to see everyone today love you guys welcome to art locations all around Central Florida and week two of the year freedom and we we have to admit that one of the biggest obstacles to freedom in our lives is money right personal finance especially when it's going bad it messes up a lot of things we happen to have been graced by God to have the best guy in the world to talk to us about that so brother Dave Ramsey's in the house we're gonna keep giving you love bro cuz you're amazing and you've set a lot of people free by God's design and call for your life here's what so the first time Dave and I got to spend time together we were at dinner together and he was with his wife Sharon and just the conversation here's what you know when you're with somebody in their real and what really struck me about Dave is first of all Dave Ramsey doesn't have to do anything right he's been following his principles for a long time haven't you you're doing okay Dave Ramsey doesn't have to do anything he does not have to fly to Florida and speak to a church he does it because it's his passion it's his calling and because he cares deeply about helping people find financial peace helping people find freedom and so that's why he's here guys is because he loves the Lord he loves us and he wants to help us find that peace so will you please help me welcome my brother Dave Ramsey Thank You Man thank you brother love that guy got to know pastor Justin over the last couple of years we have the top 50 pastors of top 50 churches in America come into Nashville at our expense and just love on them and get to know them and become friends with him a couple times I guess we've done for about four or five years and he's been at most of those and I've gotten to knowing we've become good friends he's just an incredible guy y'all give him a round of applause so pastor calls me up he said Ava do you believe in free speech and I said yeah and he said good I want you to give one that's just the kind of guy he is I'm just saying let's pray God you know I can do these talks by myself they sure are better when you're doing they turn this time over to you in Jesus name Amen so my wife and I got married 38 years ago we were stupid we didn't know anything just a couple of hillbilly rednecks getting married you didn't you didn't go through pre-marriage counseling just get hitched you know and hope it works out so bless her heart she didn't marry well um it was a mess and uh we were broke too y'all remember when you started out we ain't got money honey but we got love he started off broke and we moved to Nashville where I was from originally we met her in Knoxville I was going University of Tennessee back when they used to play football and um we uh we we get married and we moved to Nashville in the one-bedroom apartment I eaten off a card table and after about two weeks of marriage she gets up on a Sunday morning and says announces well actually what happened was she remembered she was Baptist she'd forgotten to tell me this Wien had any discussions about Baptists or Jesus or God or anything like that we just got married and um she gets up on Sunday morning announces we're going to church so we aren't doing anything it's Sunday morning I'm not going to church I'll be drinking beer and watching football this is what you do on Sunday morning it's wrong with you woman well we're in Nashville which is the buckle of the Bible Belt right there's more Baptists there than people and so she gets all mad and tore up and has a crying fit cuz I won't go to church with her and I'm not going to church so she heads out of course and didn't take her long to find her tribe so found a little Baptist Church and went in there and goes to church and her and those little Baptist people prayed for her even husband and um this went on for four or five six months the first six months of our marriage and every Sunday we'd repeat this scene she'd cry of a fit drive off find a Baptist they wasn't going well y'all he just wasn't going well and I got in one of these multi-level things where you get rich and make all your friends mad y'all know those things and so I was gonna get a yacht and have a big house and I was gonna be a big deal and all this stuff and one of my beer drinking buddies got me into this thing there's a lot of beer in this story but um anyway we me and him were so dumb it was Darrell his other brother Darrell trying to do business right we would go to happy hour and then don't make sales calls and couldn't figure out why we couldn't make sales this is how dumb we were all right so anyway we decided the business wasn't going well we needed to learn how to do it right and so there was one of the big pep rallies down in Birmingham Alabama at the Alabama theater and so we get in the car and drive two hours south from Nashville down to Birmingham and and going to the Alabama theater which in my mind I saw 10,000 people in there you ever go back to your elementary school and it is shrunk you know the Alabama theater we used it for an event not long ago holds 800 people but in my mind it was tense acute low theatre but it's you know small and so in my mind there's 10,000 people cuz me and Daryl we were sitting on the back row of the balcony you know we were way back there not picking on the balcony people but this was us back then and so I mean the guy that got up at the end of day was the dog he was the big dog he was the one making all the money he was who we wanted to be he had the yacht I mean holds up a checks four hundred thousand dollars that's what he's making every ten minutes or whatever you know you know how they do that stuff right hype City and so he's going on and on and we had written down five or six things that if we could learn these five or six things we could make it in the business we'd be able to get the big house get the big yacht live the dream all that stuff right and so this guy gets up not only did he have credibility with us cuz he was the guy we wanted to be but then it was as if he had our five or six things as the outline for his talk and he walked right down and read our mail and he was a wonderful speaker he was a great orator and by the time he finished talking to say that he owned us was an understatement anything he told us to do we were gonna do and he gets the end of his talk and he said and there's one more thing I don't know I think I got it one more thing if you don't know god you're gonna struggle in business because when you meet Jesus's son you learn that relationships are more important than transactions and business people who don't understand that people are more important than transactions don't do well in business long term you need to know God I looked at my buddy no has he been talking to my wife so we go back home no actually we went back to the Holiday Inn and got the Gideon's Bible out of the nightstand right of course its King James Shakespeare and Jesus I mean the chances of these two rednecks getting through this is zero all right so we closed that up anyway we go home I told my wife I said we're going to church and she's like who are you and what have you done my husband and so we visited some churches we found some of those churches where they're not having fun this I do not understand how you can know God and not be having fun I mean sometimes people look like they were weaned on a pickle y'all know I'm talking about they were not having fun finally we going this little church about 400 people and they were having a blast and we're sitting on the back row cuz you know when you're checking churches out you sit on the back row so you can exit quick you know you scorecard and I'm out of here right and so we're on the back row and woman in the choir start swaying and then she raised her hand like she knew the answer to some question I had never seen anybody raise their hand in church I've never heard of this stuff and then another one raised their hand then everybody start raising their hands I told Sharon if they get snakes out I am out of here old school church the pastor would stand at the back little church three four hundred people on Sunday morning he and his wife is standing back to shake your hand you know everybody as they leave the old school a long time ago was 40 almost 40 years ago and she's a big squishy woman she'd give you a big grandma hug you know and he'd give you a good man handshake and he was a man he wasn't a wuss I thought if Christians were wimps and he would say stuff like that's what it says in the Bible if you don't agree with that you're what's known as wrong I like that a lot I like that take a stand you know be something meaning you ain't trying make everybody happy doesn't work right just this is what it is and deal with it I love that and that guy's strength and that lady's grace and her wonderful grandma hugs hugs us into the kingdom and I met God in that church you know very real way and I didn't know bean Joe I mean I didn't know anything about how to do anything I mean the preacher would be saying and you know when Joseph brothers through Joseph in the whole them like new book don't know Joseph don't know the brothers don't know the whole but before I go to bed tonight I will and I will and I will and I began to dive in and learn scriptures because I had some catching up to do that's a long time ago so I've certainly done more than my share of studies since then the weird thing was is that as we were meeting God I started buying and selling real estate I left that that other thing and we got rich I ended up with 26 years old I had four million dollars for the real estate a little over a million dollar net worth and I was making $200,000 a month twenty thousand doc $200,000 a year twenty thousand dollars a month which in the neighborhood I grew up in we called that rich I don't know where you're from but no that's 1986 1984 unbelievable we're having a blast it was fun to y'all I mean I got that car I always wanted you got that car you always wanted I wanted that Jaguar man cuz nobody in my old neighborhood could even spell Jaguar right much less knew what one cost cuz this was really cool right that got me a Jaguar man pretty soon I was a Jaguars like Hannah right we were having fun we got sharing some of those sparkly things they weren't big enough so we got her some more and we went to Hawaii rednecks in Hawaii oh my it's like like a Gomer pile see in that blue waters like wow you know it's like and we loved it so you know what we did we went back it was fun sometimes I hear these people say all those rich people are miserable Oh now I'm not here to tell you money will make you happy money will not make you happy money will make you more of what you already are it magnifies the good in you and it magnifies the bad in you when you get it people who are jerks and get money they become world class jerks people who are unbelievable fanatics about integrity and honesty when they get money you can't move them off of anything they stay with the truth people that are givers when they get money they impact communities cities the world we call them philanthropists when you get money you become more of what you are if you're depressed and you get money you will be you will go into a deep place of depression money will not heal you Jesus will heal you but money will not heal you money will not make you better it'll make you more and that includes the crazy in your life like the crazy and your family and everybody's got crazy in their family if you don't think you got crazy in your family that means it's you everybody got crazy it gets crazier right it's gets Wilder so everything's going good you guys have but I had done some stupid stuff how many y'all ever done something stupid with money raise your hand how many of you didn't raise your hand have a problem with lying if you're in here and you're over 12 you've made mistakes with money maybe you didn't do him as big and dumb as I did I did it was zeros on the end I have a PhD in D um B so we were borrowing money like crazy because I was buying houses and flipping them before there was cable TV to do this chip and Joanna hadn't been born yet and so we're fixing houses and fixing them up and we're buying properties and rental properties and that's what the wealth was coming from real-estate deals right and I had a lot of 90-day notes because I was doing short-term deals and our bank got sold to another bank I know that never happens in Florida and um some guide another state looks down so there's a kid 26 years old owes us a million to he goes let's limit this relationship this is scary which is banker talk for ruin his life we were not late on the notes but they freaked out and on quality collateral what you can do on commercial paper and little detail there but do they called our notes and we got in trouble we've never been late we lost money on a couple deals but we covered those because we were making money we were just huh we were cooking man and uh another another bank called her notes cuz rumor got out I was in trouble and we spent the next two and a half years of our life losing everything we owned we were sued we were seed so much that the guy with the Sheriff's Department that brings the little lawsuit papers we're like best friends Sharon's like come on in Harrell I'm making cookies you know I mean it's just ridiculous right and we were foreclosed on and with a brand-new baby and a toddler and a marriage hanging on by a thread finally we were bankrupt we can get a divorce we held on to each other but sometimes it's just to get a better grip you don't know I'm talking about Sharon's from the hills of East Tennessee frying pan throwing there's an Olympic event don't mess with a hillbilly woman that's all I'm saying hmm it wasn't fun I remember standing in the shower with it so hard I could just barely stand there and I would just stand there and cry so so scared so I met God on the way up I got to know him on the way down you will learn some scriptures when you need to learn how to live because you don't know how to live and so I had an I surrender all moment and I'm not talking about a Baptist altar call where they keep playing until somebody finally surrenders so you can go to lunch right I'm talking about I surrendered I surrendered Jesus is not my co-pilot he's the pilot if he doesn't say do it we don't do it he is the Lord of my life this is his love letter to me and if it's in here and I can figure it out I'm gonna do it and if it's in here and it says don't do it I don't do it it's a real simple thing for me and the beauty of having gone broke is that is all I'm worried about I love you but I don't really care what you think I'm not taking a poll this is how we're doing it at the Ramseys house that's for me and my house we will serve the Lord and so I'm gonna learn marriage with hands good I'm gonna I'm gonna learn marriage cuz I don't know how to be married I'm a I'm a dufus says in here submit yourselves one to another well cried means I got a dry dishes I have to serve my wife brother it'd be the other way my kids are going through here dad what's this rod stuff what come here baby I'll show you something you don't like that but you're what's wrong with North America so there's 2,500 scriptures on how to handle money and possessions Jesus talked more in the parables about money than in love and grace combined now I understand typology and I understand that sometimes those money stories were representations of other things in the spirit but there are also money stories the parable of talents is a money story the unfaithful steward is a money story the all of these are money stories Jesus tell me why is he so concerned about money because it's their biggest Idol and he's not into seven idols it's our biggest point a problem and it reveals our heart as our treasure is ours our heart is there goes our treasure your treasure is there goes your heart he's really concerned about your heart it's got this connection to your wallet and he wants to really hone your life cuz he loves you he's absolutely crazy about you we start living our lives this way and it started working I'd like to tell you we bounce back but we didn't ever done something stupid and blame everybody else that's what I did I blamed everybody else it was our else's fault there's the president's fault he had nothing to do with it but it's always his fault I was just me you ever done something stupid and blame everybody else turns out McDonald's does serve hot coffee at some point in your spiritual walk you decide if you're going to be a victim or a victor where are you gonna be at some point you buy into this Jesus stuff at a different level and so you have to change I got a bunch of young folks working on our team we have 937 people on our team this week and a whole bunch of them are Millennials and I love Millennials because there's only two kinds awesome and sucks the awesome ones are so mission driven they will charge the gates of Hell with a water pistol man they get after it they get after it and they and the other ones they just live in their mother's basement write a blog about stuff you know it's just right so I got awesome ones on my team man and sometimes though we have to train them up and give them a little life lesson or whatever but that's just that's just leadership we have to do that you know I came all these young guys he's doing the stuff he's supposed to be doing wrong know like hey don't do it that way look this doesn't work here do it this way here's why we do this and here's how you should do it yes sir okay I'll come back a week later he's doing it wrong again I'm like dude here's why we do this and here's what we do do it this way yes sir I come back a week later he's doing it wrong again right buddy we're gonna set you free in Jesus name okay I signed your check I said how to do this I'm not gonna tell you again and he looks at me and says I'm not like you and I said you're right I do it right you do it wrong and what you should do right now is change he said what I said you need to change and do it the right way and then interesting that God gives us the dignity of choice we get to decide how we're gonna live you decide how are you gonna do it and what if you're going along if you've been going on like this I've been going along doing stupid stuff doing things wrong and sometimes in the Bible we would call that sin and I'm going along walking the wrong God says hey son stop yes sir you need to change yes sir and I do a 180 and I start doing it the right way and my life starts getting better not immediately always but it always long-term gets better walking in God doing God stuff God's ways when you're going the wrong direction and you stop and decide as an act of your will to change in Christianity we call that repentance you were walking in a wrong direction you stop and go the other way it can be simple stuff it cannot be some evil moralistic thing it could just be something simple in your life but God is saying there's a better way to do this there's a better way to do this it's all in his love letter it's all in his love letter there's five things you can do with money that if you'll start doing these they will start working immediately not because of Dave Ramsey because it says in the Bible and 100 percent of time you align yourself with scriptural truths your life will get better over time five things you need to start doing with money number one you need to do a budget a written plan every month jesus said don't build a tower without first counting the cost lest you get halfway up and are unable to finish and all who see you begin to mock you and say this man began to build and was unable to finish don't live your life without a plan Zig Ziglar used to say if you aim at nothing you will hit it every time my friend John Maxwell says a budget is people telling their money what to do instead of wondering where it went if you work for a company called you incorporated and your job at you incorporated was to manage money for you incorporated and you managed money for you incorporated the way you manage money for you now would you fire you don't answer that but God very clearly right after the parable of talents says boys and girls here's how it works when you're faithful in the little things then you will be given more to manage not I'm disorganized immature and I just spend money like I'm in Congress but I pray a lot about money it says when I'm faithful in the little things then so my son who's a wonderful young godly man now is leader on our team he's a great guy when he was a little guys about 15 years old turned getting ready turn 16 he said daddy when I turn 16 we're getting me a brand new Corvette I so I'm a loving father no I have seen you drive my son you are incompetent if we put you in a fiberglass body with a 465 horsepower engine that'll go from zero to 60 in 3.2 seconds you will kill yourself and someone else I love you too much to give you what you think is a blessing but because you can't handle it it's a curse you will be getting an old Chevette with a tart gerbil under the hood and when you are faithful in the little things my son when you drive that car properly and it is kept clean and the oil is kept change we'll talk about moving you up I modeled that after my heavenly father when you're faithful in the little things don't pray for money and then be misbehaving and irresponsible God won't answer your prayers the answer is no because He loves you too much to give you something that you don't have the ability to handle and you thought it was a blessing and it would become a curse you were seeing people that can't handle money get money and it destroys their life I have a bunch of times it's awful the second thing is get out of debt the rich rules over the poor and the borrower is slave to the lender we get out of school as Sallie Mae has her own bedroom in our house we got a master card we get a car payment we buy a house we can't afford we're spending money we don't have to buy stuff we don't even really need to impress people we don't even really like and people get so far in debt they can't breathe and they call me up they're like Dave can you give me all this well yeah it's gonna hurt though well you mean you're gonna have to amputate the top oh you have to sell so much stuff the kids think they're next man you kidding no I'm not kidding you gotta stop using debt and you got to get out of debt because your most powerful wealth building tool is your income and when you give it all to someone else because you bought stuff you really couldn't afford by the way if you didn't pay for it that means you couldn't afford it easy payments is an oxymoron when you don't have any payments you got money I've been through scriptures for 30 years looking at this and all the Dave Ramsey haters have tried to prove me wrong no one has ever been able to give me a scripture out of all the people that hate me and disagree with me and all that don't like well my messages show me one scripture where God used money to blur God use debt to bless his people it's not in there 100 percent of the scriptural mentions of debt are negative in other words biblically speaking debt is stupid it's not a sin it's certainly not a Salvation issue it's just biblically dumb it doesn't work and your dad who's smarter than you and is crazy about you sent you a letter and told you that you need to read his letter it's not harder than that so we quit borrowing money at our house you're kidding no I mean we got out the credit cards and had a little candle ceremony and got the kids gathered around decided we were gonna have a place ectomy plastic-surgery american distress citibank what's in your wallet money you're kidding me Capital One you gotta be kidding me now if you don't get airline miles new I met with thousands of millionaires never met a millionaire said Dave you know my financial breakthrough was those airline mouse never heard that once car payment will kill you average car payment America right now is 526 dollars over 84 months I had a guy call me on the radio the other day from Texas he looked dude my trucks killing me what you mean your trucks killing you oh you owe on your truck a lot how much is your truck payment $769 what dude man you thing's eating you alive you know man said how much does your house payment we live in a double-wide 550 - if your truck payments bigger than your house payment you might be a redneck okay Dave you don't have any credit cards no this is my wallet green presidents faces four pieces of plastic a debit card on my business a debit card on my personal my driver's license and my handgun carry permit rednecks in Florida huh said that in California the day I got arrested it's good to be back in America but um oh I'm just kidding we love you people from California yeah the third one is Foster high quality relationships you become who you hang around with be not deceived evil company corrupts good have good habits your speech patterns are like those you hang out with the books you read are the like the people you hang out with the Bible studies you do or don't do are largely due to the people you run around with the stuff you binge watch on Netflix is due to who you hang around with you dress like who you hang around with your voice patterns and even the dialect within the region that you hang out in if you hang out there long enough your your accent will change if you hang out there long enough you become who you hang around with over the next 10-15 years your income will be within 10 to 15 percent of the average of your 10 closest friends income some of your like I'll need some new friends yeah well maybe yeah you don't let your kids run around with a juvenile delinquent why cuz your kid would become a juvenile delinquent a little Johnny down the street smoking weed he's a we did you don't let your kid run around with little Johnny why your kid will be a weed head you know that it's not rocket science my daughter wants to date him but he just got saved three weeks ago and pretty much he was a dope dealer before that ya know huh dad all the boys in the youth group were scared of you good good he keeps away the jerks in the wimps two things you don't want Mary baby girl wow you're kidding you don't you don't believe in there's empty power of Jesus yeah I just don't believe in Bobby Bobby's got to straighten up for a few months and then I will look at the fruit in Bobby's life and we'll we talked about this but just cuz he got baptized again at summer camp doesn't mean we're gonna believe in Bobby I'm sorry I do believe in the redemptive power of Jesus I've seen it in my life and I've also seen it in other people's lives and also seen other people lie about it so we'll just walk with this stuff you let you hang around people that you want to become because you're gonna be like them the third one or the fourth one is saved money in the house of the wise or stores of choice food and oil a foolish man devours all he has if you spend everything you make you're a fool when you save money you're wise said Solomon the wisest man ever to walk the earth grandma said it she said save for a say for a visual aid it's gonna rain there's gonna be a car wreck there's gonna be a job loss this one I don't understand an unexpected pregnancy say what okay stuffs gonna happen in life if and when you got some money and you're ready and the house of the wise or stores of choice food and oil and the last one is be outrageously generous because God loves a cheerful Giver and now for those of us they're evangelical Christians our baseline is tithing in our local church I'm not talking about that that's a good place to start that's the rhythm of your life that starts to build the character quality of generosity in your life but I'm talking about generosity as a way of being not just of giving money a generous person actually in a conversation lets you talk hear meet those other ones they never asked about you but you know air damn by the time we finish the conversation you know I'm talking about generous people don't do that cheers people hold the door for you June as people pick up the items when the plastic bag had the bottom fall out of it as you're going to this garage or as you're going to the car after the grocery store the generous person runs up and helps you they're kind they're generous generous people are highly attractive as soon as people have a higher tendency to win in their marriage is no kidding generous people have a higher tendency to be promoted and succeed in their careers because the just people love them they're just lovable and it's a decision you get to decide to get out of debt beyond a plan so that you can save money and hang out with people that are doing the same kind of thing to put yourself in a position to be outrageously generous can't be outrageously generous when you're broke you can't clean up your mess and have a plan when you decide it changes everything generous people do wacky stuff with money they have a different way of looking at things try this as an exercise Easter or Thanksgiving when you get ready to go to Grandma's house on Sunday and have the big feast put all the kids in the car and leave 30 minutes early so that you can do this I want you to pull up in front of the window at Waffle House and park and I want you to leave all the kids and family in the car and just tell the kids look look like it's like a TV screen right there's a window right there watch this the winds sit down at a chair or a table right in front of your car and she'll come over and she'll pour you some coffee I don't want you to stay long you're on the way to Grandma's house I sure don't want you to eat it Waffle House you're on the way to Grandma's house okay but I didn't want you get you a cup of coffee once you take three of these out $100 bills with uncle Benjamin Franklin's face on the front cenotes baby slip him under that saucer and slip out go sit down in the car hey kids put your screens down watch God show off look in here watching God's getting ready show off here's what she'll do I've seen her do it she'll walk over and she'll pick it up she's not sure it's real it might be a trick cuz it's been so long since anything good it's happened to her did you know who's working in Waffle House Thanksgiving morning somebody needs a job bad they need that overtime you just paid you just changed her net worth here's what she'll do and even if she's not a person of faith even if she prayed that morning or hasn't prayed in 20 years of morning's a hundred percent of the time here's what she'll do because she can smell the breath of God she knows where human beings know what it smells like when they've encountered God they can feel it even if they're not walking with Him right then generous people get the opportunity to breathe God own people I dare you to have more fun with 300 dollars than that it doesn't get any better than that that's about as much fun as you can have with 300 bucks put yourself in a position that you can do that as the rhythm of your life and when your children are watching you know what you'll raise little generous people [Applause] I've worked with folk like you guys for 30 years I know you you're my people you're my friends people just like you were my best friends in the world I'm proud of you your heavenly father's proud of you but he said in some of your lives it's time to change there's some stuff you need to clean up starting right now cuz he loves you he's got a plan for your life it's not to bring you harm mister bring you hope god we thank you for these folks I'm so proud of them I know you're proud of them now we ask you to prosper them and to protect them to bless them Lord to touch them father to be with their families to God just cause them to walk in the exact ways that you have for them so that they receive real blessings that come only from you in Jesus name thank you for tuning in to real life online if you have any questions or in need of prayer we would love to connect with you you can go to real life slash connect and one of our amazing team members will reach out to you soon tuning in online when you're traveling or sick is a great way to stay connected if this is your first experience with real life we can't wait to welcome you at one of our campuses you can find out more about our locations and service times by visit us online at real life slash locations we would love for you to stay connected with our real life family by joining our new online Facebook group you can join in on the conversation ask for prayer share exciting things God is doing in your life and just connect with others 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Channel: Real Life Christian Church

Views: 36,097

Keywords: Real Life, Real Life Christian Church, Church for Real People, Dave Ramsey, FPU, Finances, Financial Peace University, Financial peace, peace in finances, money, freedom in money, justin miller, dave ramsey show, dave ramsey testimony, money help from the government, government money assistance, financial peace university free, financial peace dave ramsey, dave ramsey complete guide to money, freedom in finances, managing finances, managing money, dave ramsey speech

Id: tSYXs8L8ojU

Length: 40min 51sec (2451 seconds)

Published: Mon Jan 13 2020