Personal Finance
Saving, budgeting, debt, mortgages, pensions, taxes, financial independence and consumer rights across US, European and Dutch sources.
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Can The US Cancel Its Debt?
About three-quarters of the US government debt is owed inside the US. It's your 401(k). It's your pension fund. It's what your bank does with your money. It's Social Security. That's why no one can wave a magic wand and cancel the debt. Find the full explanation in my video: Trump Just Started The Debt Spiral
The Money Decisions That Destroy People
📈 Building wealth isn’t about avoiding every mistake. It’s about having a plan that keeps you moving forward. Join Road to $100K to get a personalized roadmap to your first $100K invested: https://iwt.com/100k-yt A bad investment. An inheritance gone. Crypto wiped out. These financial horror stories all have one thing in common: people thought they were making the right decision. In this video, I break down what went wrong and how to avoid making the same costly mistakes yourself. THIS VIDEO IS BROUGHT TO YOU BY ➡️ DeleteMe | If you want to get your personal information removed from the web, go to https://joindeleteme.com/ramit and use code RAMIT at checkout for 20% off. Ramit Sethi is the host of Netflix’s “How To Get Rich” and New York Times bestselling author of “I Will Teach You To Be Rich” and “Money For Couples” 🎟️ COME TO MY NEXT LIVE EVENT * Virtual and In-Person Events: https://iwt.com/events 🤳 CONNECT WITH RAMIT * Instagram: https://www.instagram.com/ramit/ * X: https://twitter.com/ramit ✅ SUBSCRIBE SO YOU DON’T MISS ANY VIDEOS https://youtube.com/user/ramitsethi/featured/ ⏩ CREATORS & CONTENT FEATURED IN THIS VIDEO → Brigette Muller https://www.tiktok.com/@hummusbirrd/video/7310671001963236654 → slayez06 https://www.reddit.com/r/AskReddit/comments/15q3ckm/comment/jw1mugk/ → Brooke Anderson https://www.tiktok.com/@brookeanders0n/video/7299859218092264746 → Dry-Wasabi-1450 https://www.reddit.com/r/Fire/comments/1llpfd1/how_do_you_get_over_financial_losses/
You're Responsible For The US Debt
Who is holding the US debt? The debt just moved to the government, and the government is you because you're the one paying the taxes. Hold on, how? Find the full answer in my video: Trump Just Started The Debt Spiral
Why This Couple Can't Stop Overspending
Addison and James are spending 154% of their take-home income, but their everyday habits haven't changed. Ramit Sethi examines their spending, including frequent Ubers and convenience purchases, and challenges them to rethink what they can actually afford.
China's Money Mindset We Need to Apply
One of the major reasons why China's rates are lower relates to how they think about money, specifically their relationship with their housing market. Why haven't we applied it? Find the full answer in my video: Trump Just Started The Debt Spiral
China Keeps Beating The US
China is the biggest oil importer in the world. If this were about oil, China's rate should be going up as well, but it's not. Over the last year, the rate that the US government pays to borrow for ten years went up by more than a full percentage point. Is that a lot, really? Find the full answer in my video: Trump Just Started The Debt Spiral
My Wife Blows Through Her Allowance - Take away Her Credit Cards?
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna 💵 You’ve worked hard your whole life - what do you have to show for it? Calculate your net worth and find out! 👉 https://ramsey.solutions/t7a9088x Next Steps: • 💸 Start eliminating debt for free with EveryDollar - https://ramsey.solutions/vujbgh • 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email. Connect with our Sponsors: - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off ⮕ https://www.cbac.com/ramsey - Learn more about Christian Healthcare Ministries. ⮕ https://www.chministries.org/budget - Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org ⮕ http://ChurchillMortgage.com/RamseyOffer ⮕ Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice. - Get 20% off when you join DeleteMe. ⮕ https://www.joindeleteme.com/Ramsey - Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today. ⮕ https://www.zander.com/ Explore more from Ramsey Network: 🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 💰 George Kamel ⮕ https://ter.li/dc2gee 📈 EntreLeadership ⮕ https://ter.li/g7s9g0 Ramsey Solutions Privacy Policy https://www.ramseysolutions.com/company/policies/privacy-policy Products: Baby Steps Millionaires: https://ter.li/s6f4lo Breaking Free From Broke: https://ter.li/mx7jke Total Money Makeover: https://ter.li/quktvv The Total Money Makeover Workbook: https://ter.li/4at1ce Financial Peace Kids: https://ter.li/iepocm Money’s
She's Spent $30,000 Supporting Him
Addison has spent $30,000 financially supporting James, but she's growing tired of being the safety net in their relationship. Ramit Sethi challenges James on his broken promises and asks what it will take for Addison to trust that things will actually change.
Are You a Real Human?
In a world of AI and robots, how do you prove you're actually a real person? There's a new technology to prove it, so you can have a World ID. What do you think? Find the full story in my video: Your Money Is Being Reprogrammed
“America’s Debt Spiral Is Going To Implode Within 3 Years” - Ray Dalio’s Final Warning
Take your personal data back with Incogni! Use code GRAHAM at the link below and get 60% off an annual plan: https://incogni.com/graham | Add me on Instagram: GPStephan FOLLOW MY INVESTMENTS / STOCKS HERE: https://getblossom.onelink.me/SOfu/grahamstephan START BUILDING WEALTH WITH MY FREE NEWSLETTER: https://grahamstephan.substack.com THE U.S. DEBT SPIRAL The United States now owes more than $40 trillion, and the total is still rising by billions of dollars every day. The bigger problem is not just the debt itself, but the growing amount of interest the government has to pay as older, cheaper debt gets refinanced at much higher rates. WHY INTEREST COSTS MATTER For years, the government was able to borrow enormous amounts of money at extremely low rates. Now, with borrowing costs at their highest levels in decades, that strategy is becoming much more expensive. The CBO projects federal interest costs could reach roughly $2.1 trillion per year by 2036. WHO KEEPS BUYING U.S. DEBT? The government funds its deficits by issuing Treasury bonds. That system works as long as investors are willing to keep buying them at reasonable rates. If buyers begin demanding 5%, 6%, or more to lend the government money, interest expenses increase even faster. FOREIGN BUYERS ARE PULLING BACK Countries such as China and Japan have historically been major holders of U.S. Treasuries. Some foreign holdings have recently declined, raising concerns about who will absorb the enormous amount of new debt the United States needs to issue. THE SUPPLY OF DEBT IS EXPLODING At the same time demand is being questioned, Treasury supply continues to rise. The government is running massive deficits, while corporations and AI companies are also borrowing huge amounts of money. All of them are competing for the same pool of capital. INFLATION MAKES THE PROBLEM WORSE Inflation remains above the Federal Reserve’s target, which makes investors less willing to lock money into long term bonds at lower yie
You're Paying For The US Debt
The situation in the bond market is happening all around the world in every developed economy except for one place, and the truth is, we are all paying for this, whether we own a bond or not. What do I mean? Find the full answer in my video: Trump Just Started The Debt Spiral
The Global Debt Spiral Has Started
So, the death spiral has just started, and the bond market is now breaking. This is happening all over the world, not just in the US. What Trump wants is inflation to solve it, but is this even a smart move?
"We spend 154% of what we make. Will we ever stop drowning?"
Ramit digs into how years of overspending, money avoidance, and relying on future income have left a couple with more than $428,000 in debt, no savings, and a financial life they can no longer sustain. Ramit Sethi of I Will Teach You to Be Rich talks with Addison, 39, and James, 43, who earn around $138,000 a year but have $0 in savings and fixed costs consuming a staggering 154% of their take-home pay. Addison feels responsible for keeping their finances afloat, while James admits he's spent years relying on optimism and money he expects to earn in the future. As Ramit digs deeper, it becomes clear they are both contributing to the problem through restaurants, concerts, Ubers, shopping, and pet spending that has reached thousands in a single month. He helps them uncover the childhood money patterns behind their behavior, confront what they can actually afford, and make some of the biggest lifestyle changes attempted on the show all in an effort to stop living on future money and build a financial life they can actually sustain. A special thanks to our new partners at Monarch for sponsoring this episode. Try Monarch for free today, and get 50% off your first year of Monarch’s core tier at https://monarch.com/ramit, promo code RAMIT. When you sign up with my link only, you’ll get your Monarch account customized with my exact CSP categories so you can see exactly how you’re stacking up to your plan each month. That’s https://monarch.com/ramit, promo code RAMIT. In this episode, we uncover: - Why Addison says they may divorce if their relationship with money doesn’t change - How more than $428K of debt, $0 savings, and 154% fixed costs have left them financially exposed - Why James admits he has been “betting on money that’s not there yet” - How Addison became the financial safety net while increasingly feeling like a caretaker - Why restaurants, concerts, Ubers, shopping, and convenience spending became part of their everyday life - How they planned to spend more
They Never Have Enough Money At The End Of The Month
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan. ⮕ https://ramsey.solutions/1uplna 💵 You’ve worked hard your whole life - what do you have to show for it? Calculate your net worth and find out! 👉 https://ramsey.solutions/t7a9088x Next Steps: • 💸 Start eliminating debt for free with EveryDollar - https://ramsey.solutions/vujbgh • 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email. Connect with our Sponsors: - If you want your car to keep going and going, trust Christian Brothers Automotive. Find a local shop and get an exclusive Ramsey discount of 10% (up to $250) off ⮕ https://www.cbac.com/ramsey - Learn more about Christian Healthcare Ministries. ⮕ https://www.chministries.org/budget - Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org ⮕ http://ChurchillMortgage.com/RamseyOffer ⮕ Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice. - Get 20% off when you join DeleteMe. ⮕ https://www.joindeleteme.com/Ramsey - Visit Zander Insurance or call 1-800-356-4282 for your free instant quote today. ⮕ https://www.zander.com/ Explore more from Ramsey Network: 🎙️ The Ramsey Show ⮕ https://ter.li/rqwdws 🧠 The Dr. John Delony Show ⮕ https://ter.li/s5yazz 🍸 Smart Money Happy Hour ⮕ https://ter.li/tmj3vq 💰 George Kamel ⮕ https://ter.li/dc2gee 📈 EntreLeadership ⮕ https://ter.li/g7s9g0 Ramsey Solutions Privacy Policy https://www.ramseysolutions.com/company/policies/privacy-policy Products: Baby Steps Millionaires: https://ter.li/s6f4lo Breaking Free From Broke: https://ter.li/mx7jke Total Money Makeover: https://ter.li/quktvv The Total Money Makeover Workbook: https://ter.li/4at1ce Financial Peace Kids: https://ter.li/iepocm Money’s
Her Family Doesn't Understand Why She Can't Afford a Flight Home for the Holidays
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan → https://ramsey.solutions/yo0vkt ❓ Have a money question? Ask Ramsey is here to help → https://ramsey.solutions/2ffdw1w0 From Today's Episode: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email: https://ramsey.solutions/lal3wnh7 💻 New to the show and want to learn more? Check out our 7 Baby Steps - https://ramsey.solutions/f3j22rrk 💰 How much do you need to invest each month to retire a millionaire? - https://ramsey.solutions/il2dlbed 💵 Eliminate debt for free with EveryDollar - https://ramsey.solutions/3mo2df Connect with our Sponsors: - Go to Angel to discover entertainment you can feel good about. → https://www.Angel.com/Ramsey - Get 10% off your first month of BetterHelp. → https://www.betterhelp.com/Ramsey - Go to Boost Mobile to switch today! → https://www.boostmobile.com/ramsey - Don’t try to figure out Medicare alone. Go to Chapter to connect with an advisor! → https://www.askchapter.org/ramsey - Save 10% (up to $250) at Christian Brothers Automotive with your exclusive Ramsey discount. → https://www.cbac.com/ramsey - Receive 50% credit towards your first month with Christian Healthcare Ministries. Use code RAMSEY. → https://www.chministries.org/budget - Get started today with Churchill Mortgage. Equal Housing Lender • NMLS ID 1591 • NMLSConsumerAccess.org → http://ChurchillMortgage.com/RamseyOffer Churchill Certified Homebuyer program is available for qualifying borrowers and select loan types only. Ramsey Audience offer of up to a $500 credit applied at closing toward fees incurred for appraisals for a limited time and may be discontinued without notice. - Get 20% off when you join DeleteMe. → https://www.joindeleteme.com/Ramsey - Go to FAIRWINDS Credit Union for an exclusive account bundle. → https://www.fairwinds.org/ramsey - Debt collectors hassling you? Take back control of your life at Guardian Litigation Group → ht
You Can’t Build Wealth in Financial Chaos | October 13, 2026
📈 Are you on track with the Baby Steps? Get a Free Personalized Plan → https://ramsey.solutions/yo0vkt ❓ Have a money question? Ask Ramsey is here to help → https://ramsey.solutions/2ffdw1w0 Dave Ramsey and George Kamel answer your questions and discuss: - “My wife’s mom maxed out a credit card in my wife’s name—should we treat this as our debt?” - “I did everything right, but my medical bills exhausted my retirement savings.” - “Is it irresponsible for me to buy a duck hunting boat while I have $250,000 of student loan debt?” - “How do I gain back my husband’s trust after gambling behind his back?” - “My dad is in a bad spot financially, I want to give him some money but my wife doesn’t want me to. What should I do?” From Today's Episode: 📞 Have a question for the show? Call 888-825-5225 weekdays from 2–5 p.m. ET or send us an email: https://ramsey.solutions/lal3wnh7 💻 New to the show and want to learn more? Check out our 7 Baby Steps - https://ramsey.solutions/f3j22rrk 💰 How much do you need to invest each month to retire a millionaire? - https://ramsey.solutions/il2dlbed 💵 Eliminate debt for free with EveryDollar - https://ramsey.solutions/3mo2df 🚢 Cruise With Dave Ramsey and 2,500 Ramsey People - https://ramsey.solutions/rax0bq1s ❤️🩹 Get trusted insurance coverage that fits your budget - https://ramsey.solutions/buei4459 💌 Preorder Build the Marriage You Want today now and get $100+ in bonuses. - Connect with our Sponsors: - Go to Angel to discover entertainment you can feel good about. → https://www.Angel.com/Ramsey - Get 10% off your first month of BetterHelp. → https://www.betterhelp.com/Ramsey - Go to Boost Mobile to switch today! → https://www.boostmobile.com/ramsey - Don’t try to figure out Medicare alone. Go to Chapter to connect with an advisor! → https://www.askchapter.org/ramsey - Save 10% (up to $250) at Christian Brothers Automotive with your exclusive Ramsey discount. → https://www.cbac.com/ramsey - Receive 50% cre
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