Why Dave Ramsey's Debt Advice is Keeping You Poor | Ryan Pineda

Ryan Pineda  @RyanPineda  has been referred to as the "real estate expert of YouTube" by Graham Stephan. In this interview, Ryan walks through the frameworks and processes he's used to scale his businesses with debt in contrast to Dave Ramsey's.

Connect with Ryan Pineda:

 @RyanPineda 

Instagram: https://www.instagram.com/ryanpineda

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0:00 - 1:42 - Intro

1:42 - 4:39 – Losing Everything in 2008 Shaped Me

4:39 - 6:03– How I Landed an Interview with Dave Ramsey

6:03 - 8:53 – Ramsey’s Debt-Free Strategy vs. Entrepreneurial Debt

8:53 - 10:29 – What Are Your Financial First Principles?

10:29 - 13:11 – The Real First Investment: You

13:11 - 16:31 - – Business Scaling 101: People Are the Key

16:31- 23:51 – The 5-Step Framework to Build Any Business

23:57 - 24:35 – Why Most Businesses Plateau at $1M

24:36 - 30:00 – Funnels, Brand, and Scaling with Paid Ads

30: 02 - 31:47 – Business Models That Actually Scale

31:47 - 33:27 – Investing in People and Building Culture

33:27 - 37:44 – My Personal Investment Strategy

37:44 - 39:13 – My Love-Hate Relationship with Crypto

39:13 - 46:05 – The $30M Exit Plan & Passive Income Blueprint

46:05 - 48:05 – Can a W-2 Employee Really Build Wealth?

48:05 - 50:05 – Where Real Estate is Headed (2025–2027)

50:05 - 52:40 – Redefining Risk: What You Really Have to Lose

52:40 - 54:36 – The Problem with Passive Income & Kiyosaki

54:36 - 57: 40 – If This Were My Last Day on Earth…

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DISCLAIMER: https://bttr.ly/aapolicy

*This video is for entertainment purposes only and is not financial or legal advice.

Financial Advice Disclaimer: All content on this channel is for education, discussion, and illustrative purposes only and should not be construed as professional financial advice or recommendation. Should you need such advice, consult a licensed financial or tax advisor. No guarantee is given regarding the accuracy of the information on this channel. Neither host nor guests can be held responsible for any direct or incidental loss incurred by applying any of the information offered.