Giving up…coming to the end of yourself

I had been slight addicted to watching Dave Ramsey videos and what he said in what vid spoke to me..

Husband Won’t Stop Investing in Baby Step 2

Specifically at around 3:50.. That’s probably part of or exactly what is meant what by the phrase “giving up” and “coming to the end of yourself”…

ha I thought he was being arrogant earlier in the beginning like as if his plan is the best way but as I got further along it made sense..

He said, “I dont know how to fix it ,could you show me how, and then you submit yourself to a plan”.  Using an example of hiring a fitness trainer he explained,  you submit your self to their system, because they have abs and you have a keg.

I know I haven’t really been sticking to the plan I feel God, Jesus and or His Spirit has been given to me.  I have a tendency perhaps to not stick to a plan. I then try to do other things that he did not counsel  me to do in hopes that it may work. But then you see you’ve been int the same place for years and frustrated and its like ..ok maybe you should really abandon all your other plans and at least focus on doing with full effort do what he told you to do.

Interestingly kind of reminds  Joyce Meyer teaching
How to Be Led By the Spirit

There may be more to the meaning of  giving up too – I’ve been told.. I’ve had a tendency to try to earn God’s love..  so it maybe related to stop trying to earn His love, which I need to seek what that means..or if anyone has any suggestions on how to practically not to do that I’d appreciate it.




The Dave Ramsey Show Youtube clips

Many of the youtube clips he has for his show are the epitome of clickbait. Oh master we are not worthy. Like a magnet I innately want to click, and watch immediately.

The headlines are crazy an a bit unique.  On the other had, I’d like to see the light at the end of the tunnel that he may provide for the people who call in. If these people can possibly get out of these debt holes, there could be hope for the rest of us with lesser debt.

Some headlines

“We haven’t paid our Bills For 6 Years!” 
oh really…* eyes roll up to the sky*
(real talk who goes 6 years without paying any of their bills? any)

“My girlfriend has $450,000 in debt”   
Maybe it’s time to find another one? lol well she’s planning to be a dentist so maybe that will help,  all I can say is if you are going to marry her hold on, it may be a bumpy ride if she wants to pay that off in a short amount of time

“Step Dad married a 24 year old gold digger”
Uhhh not too surprising..we’ve all probably hear of famous rich men that could do that..ok well to be fair in the clip she mentions property the step dad and mom bought that is worth more than a million ( maybe 2.5) so…Btw the step dad is 77.

$320,00 in school Debt  Loan and We Aren’t Even Doctors!
smh..all I can say for that. I kind of pity them

You make $320,000 A MONTH?!?
N&%^3 why are you calling in ?  Use that money and get you a personal financial advisor. You could probably hire one from Dave Ramsey’s company. Leave the line for us broke people that need it!!! lol

The amount of debt these people have is astronomical and lo and behold what does most of the debt relate to . You got it, school loans. Just annoying . unfortunately most of us made stupid decisions and are naive and got ourselves way into deep.  I have a huge amount of school loan debt too. But the testimonies are sort of inspiring and give hope, that one doesn’t have to have that debt forever,

haha,  these headlines though I couldn’t make this stuff up even if I wanted to.


This  Facebook post talks about how a woman had *privileges* to help pay her debt of over $200,000 in loans. Typical of a post that can breed a biased opinion; parts of the article are copied and pasted to form a picture of “privileged” woman. After going to the full article and looking it over i came to the conclusion, that she was not as privileged as I thought. She had help no doubt, she made sacrifices. She educated herself and she made a plan. She was determined.
Reminds of this bible verse
Proverbs 6:6-8  ESV
6 Go to the ant, O sluggard;
    consider her ways, and be wise.
Without having any chief,
    officer, or ruler,
she prepares her bread in summer
    and gathers her food in harvest.well to be honest I read the article. I am not sure if this information was there before they edited, but its there now

the condo the mom bought was merely $13,000.
That is what I call a bargain. 13, thousand, dollars.
They live in an area where the cost of living is much lower. They ended up buying other condos for the second at $42,000 and third at $55,000 and rented those condos out too.
compared to the DC area that’s really a bargain.
to be honest she and her husband were wise.
Tips I get from this
1) have a job
2) move to place with lower cost of living/cheaper housing
3) Buy condos in the area and rent them out to get extra income
I didn’t get details about their budget; I’m wondering if she saved money to buy those condos? or if instead they saved for a down payment and thought/reasoned to prioritize getting rid of school debt first, knowing that with condos, renting them out you could get more continuous income from that.
Anyway bottom line the article says,
“She began educating herself on personal finance — particularly through the books of Dave Ramsey and Suze Orman — and started devising a plan to pay back her loans as quickly as possible.”*
So basically I and others with huge amount of debt, it wouldn’t be a bad idea to do exactly that. Educate yourself, read those books, and make and carry out a plan to reach the goal of eliminating debt. That’s probably how she ended up learning about renting out condos, and other things she did we weren’t made aware off ( her monthly budget, savings, etc.)
All in all a good example of self-determination.

She isn’t as privileged as I thought. She is very smart, wise, and determined.

*How one 31-year-old paid off $220,000 in student loans in 3 years
Emmie Martin –