BetterWealth with Caleb Guilliams 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:
Instagram: https://www.instagram.com/ryanpineda
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Learn More About BetterWealth: https://betterwealth.com
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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*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.