So I came across a list of things Dave Ramsey wants you to say no to.

So I thought it would be fun to react to that list and give you my thoughts.

And I'm going to guess what the context was for each of these, because they were probably from the Ramsey show.

So we'll talk about that.

And then at the end, I'm going to add three of my own, Dave knows, if you will, that were from over the years as

his daughter. So prepare yourself for those. Now, make sure to leave anything in the comments that

you're thinking about and make sure to subscribe and share this video with a friend. All right,

number one is to say no to lifestyle creep. Okay, so lifestyle creep,

yes, it has a connotation that, of course, you are spending more because you're making more.

So there's a balance in this, right? Because if you're spending more because you don't have debt,

you have your emergency fund, you're doing the basics of saving for retirement, like all of those

things, and you're making more money and you want to spend a little bit more because it's in context and it's great

with your overall financial situation, perfect. But the problem is lifestyle creep usually refers to

this idea that you don't realize it's happening and that you're not on a plan. And as you start

to make more, you end up spending more and keep spending what you're

making and you end up still living paycheck to paycheck regardless of what you're making.

And we don't want that.

So that's the bad lifestyle creep where the other is a little bit more intentional and we're

not mad at because we say live like no one else.

So later you get to live and give like no one else.

So keep that in mind.

Number two, say no to

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