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The Real Reason You’re Broke May Not Be What You Think | May 6, 2024

Added by: The Ramsey Show

@burly636

I’m a widow of five years, always been broke and in debt, I was going to take over the finances, then my husband died. Half of his retirement went to his wife of 30 years ago while he was alive, I get it all now. He did not want to retire because of that, but he did. I get retirement from the same place, his survivor benefits, and I get Social Security. I have a mortgage and a car payment, no other debt. I got out of all other debt. I can put 2 to 3.5k in savings every month. Because I don’t buy much. I’m disabled from polio vaccination. Post polio is getting worse, I save money and that doesn’t make me happy and I feel like the best part of my life is behind me. I have no desire to pay off my house because by the time I did, I’d be in the ground anyway. I wanted to sell this house before my husband got sick, I don’t even feel like going anywhere anymore. It’s just too hard. I cant shake this. It’s a spiritual issue and loneliness I realize, but that doesn’t make it feel less real. It’s a horrible feeling. Yes, I know I don’t have financial stress, but at least that’s something I could do something about.

@ashleysmashley444

Dave is like “just go get an apartment” like they don’t probably have a contract with this rent to own RV, and obviously if they could get an apartment they would have. A lot of places require first, last, security plus good credit, rental history and proof of income showing you make three times the rent. If you haven’t been working consistently, it’s hard to come up with all of that. That was probably one of the few options that they had to not end up on the streets.

@jacksgl777

I love it: “The Fauci pandemic”

@novakvideoproductions

13:09
Tax value on the car is going to be just market value either way.
Changing the price doesn’t matter.

@longabanilla1154

Thanks!

@toutounoulash

The payoff mortgage can occur penalties, can’t it?

@AngelaVlahos

this guy is a bogus

@eleo_b

If you paid off your house, it doesn’t matter what the housing market is doing.

@safirahmed

Dave Ramsey could present a show where the US National Debt of USD $34 trillion could be a subject and any ideas the US could use to reduce the debt.

@ryanp2182

15 year interest rate>30 year interest rate

@moonmonk6418

Screaming, "We're Debt-Free" should also include the mortgage. I mean, c'mon, they are NOT truly debt-free.

@worldnomad2301

1:08:00 in. Not saying the mom does or does not need assisted care, but rarely does the person that needs to be in an Assisted Living or Long Term Care think they need to be there. It’s usually, and correctly, the family members that think they need to go. Dave was a little too bull headed here.

YouTube is one of the largest platforms for sharing videos and music worldwide, offering a vast catalog of content ranging from music videos to live recordings of famous artists. This is where the need to download music from YouTube in formats like MP3 or MP4 comes in. In this article, we will explore how you can do this quickly, easily, and for free using online tools.

Why Download Music from YouTube?

There are several reasons why someone might want to download music from YouTube:

Offline access: Downloading music from YouTube allows you to listen to your favorite tracks even when you are not connected to the internet, which is useful when traveling or in areas with limited connectivity.
Customized quality: You can choose the audio or video quality when downloading, ensuring the best possible experience based on your preferences.
Create personalized playlists: Downloading music from YouTube allows you to create your own music playlists by combining multiple tracks into a single file or separating them as desired.
Easier sharing: With downloaded music and videos, you can share your favorite content with friends and family without relying on a stable internet connection.

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How to Download Music from YouTube Using an Online Tool

Here are the general steps to download music from YouTube using an online tool:

Find the video on YouTube: Go to YouTube and find the video or music you want to download.
Copy the video URL: Right-click on the video URL in the browser address bar and select "Copy" (or press "Ctrl+C" on the keyboard).
Access our online tool: Open the website of your chosen online tool in another tab or browser window.
Paste the URL: Paste the video URL into the search box of the online tool, usually labeled "Paste the URL here".
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Start the conversion: Click the "Convert" or "Download" button to start the conversion process.
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Remember to respect copyright when downloading and using content from YouTube. It is important to use these tools for personal or non-commercial purposes and not to illegally share or distribute copyrighted content.

Conclusion

Downloading music from YouTube in MP3 or MP4 formats is a convenient way to access your favorite content offline and customize your music experience. With the help of free online tools, this process becomes simple and accessible to anyone. Always remember to respect copyright and use these tools ethically and legally.

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