Just gimme some cash dude!

Yesterday I ran in to Taco Bell for a quick lunch.  The dude who took my order commented on the rather large roll of cash I happened to have in my pocket.  I asked him if he needed a loan and he said “Yes.”  So I asked him if I loaned him $1000 what he would do.  He immediately replied that he’d quit that job and just wait until the money ran out.

I explained that then he would have no job and a debt to me of $1000.  But he seemed to just bask in the thought of having a few days of not coming to work and still having money to spend.

Is it any wonder we have adults with the same mentality?

“Those who would give up essential liberty to purchase a little temporary safety deserve neither liberty nor safety.” — Benjamin Franklin

Okay, now I’m wondering – is this really the mentality of most people?  To just exhaust any available resources and go deeper into financial bondage?

What would you do?  What if I gave you $1000 today?

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231 Responses to “Just gimme some cash dude!”

  1. Jason Garey Says:

    …and a government that promotes it? Sad, but true statement, Dan.

  2. Andy Traub Says:

    Dan, it’s too bad the teachable moment wasn’t one that the young man participated in. Instead your readers are reminded that we get opportunities (even loans) and waste them. This isn’t as much a financial issue as it is an issue of motivation. You’re the kind of guy that might have given him $1,000 if he had a good enough idea…he just didn’t. Sometimes opportunity knocks and we choose to stay on the couch.

  3. Dan Miller Says:

    Andy – yeah I was really hoping he’d say he wanted to set up a shaved ice kiosk for the summer or that he wanted to plant sweetcorn on his grandfather’s farm to then sell. But nope – nothing even close. He only saw cash as an opportunity to unplug and do nothing productive. How sad.

  4. therealmotherlode Says:

    Ugh. What a travesty. So many opportunities and adventures just waiting to be discovered…

  5. Josh Says:

    Wow. that’s a sobering story, Dan.

    PS. “Pray with Your Legs” was great. Thanks for the podcast!!

    – Josh

  6. ale Says:

    Such is the mindset of today’s youth. And older folks too sometimes.

  7. Marla Martenson Says:

    Our society has a very “I want it now!” mentality especially in young people. Everything is instant gratification.

  8. Marla Martenson Says:

    PS Dan, I just want to let you know that your book No More Mondays changed my life! I took the leap and am working for myself now and recommend your book to everyone I meet. The quality of my life has improved 100%. Thanks!!

  9. Sutton Parks Says:

    I have the highest level of respect for all of you, however I tend to see things a little different. Who would not want to have a few days off with money to spend?
    Perhaps with a couple of days off to relax and play he would realize his purpose? “There is nothing the busy man is less busied with than living; there is nothing harder to learn” -Seneca

  10. Rick Martens Says:

    Wow, a great illustration here. In a way, it speaks to where I was headed (debt-wise, not work-wise — not afraid to work) till I “met” you and your buddy Dave Ramsey in 2008.
    Anyway, the journey continues as always.

    Thanks Dan for all your positive works.

  11. rebecca Says:

    My family and I are currently working on the Dave Ramsey plan so I would put all of the money on one of the few bills that we have left.

  12. Phillip Says:

    I’d pay down some debt or save it towards my goal of $3400 to receive some training in coaching individuals and families to help identify their innate drive.

  13. Land of Unlikeness Says:

    Very easy–I would register for “Write to the Bank,” buy a plane ticket, and book a hotel.

    I have finally broken through the barrier that inhibited be from applying fingers to keyboard, and the result may not be genius, but it feels great and I am getting a trickle of amazing feedback. But most of all, I am doing what I have always wanted to do, and at the end of the year–perhaps before–I will have a manuscript!

  14. Ulrick Says:

    With $1000 dollars I would invest it in the purchase of a living water machine (water ionizer) and sell the water in 5 gallon bottles at $10 dollars a bottle. I would then look into bottling private label for small businesses in 16oz bottles.

  15. marnie andrew Says:

    it’s a sad reflection that there are people out there who would just spend it cause they dont know what else to do with it, they’ve never been taught anything else, myself included, now i’ve met dan i would pay off some debt

  16. James Says:

    I would start Dave Ramsey’s baby steps and finally have an emergency fund.

  17. Patrick Says:

    It is amazing how short-sighted most people are these days! I feel like I have reached that point in life where you are more like your dad than his son. “When I was your age…..”

    I would put half towards a debt and half towards my current business project. You have to increase your income as well as reduce your debt.

    My wife teaches at a small community college in Texas. That person in your story should invest in his education rather that his time off. He could sign up for a class to build his marketable skill set.

    Tell him to get off the couch and join the world he live in!

  18. Lenny Monroe Says:

    Too many “kids” these days have that very mentality. Fortunately, my late Father always had the Rainy-day story to tell us when we had cash that was burning a hole in our pocket. He said if you didn’t have it in the left pocket, your right hand couldn’t spend it.
    He recently passed, but left a great legacy. That 1000.00 would be put to good use, as savings… or investing in a small business(lawn mowing, painting etc…) for summer work opportunities.
    thanks for the lesson. I made sure my kids read it.
    Blessings to all.
    lenny Monroe

  19. Marshall Moens Says:

    I would tithe 10% to my church … the remaining 90% would go toward furthering my education. We are debt-free except for the mortgages … thanks to Dave Ramsey !!

  20. Wayne Dodd Says:

    If I needed $1000 I would ask your terms and then I would tell you that I would make a sensible stock purchase and sell the option on that stock which would bring me about 5% return a month and use that income to by more shares. It’s called, covered calls, and it’s how I make my living, I’m Retired !

  21. Alex Says:

    Wow! If someone were to give me $1000 cash I’d sign up for that writing course I’d always wanted. I want to improve my writing skills for my blog articles. I don’t want you to give me fish, but teach me how to fish and I’ll be self-sufficient for life.

  22. Ryan Brewer Says:

    If I had $1000 I would hire a business coach to help me get my ideas off the ground.

  23. Hayim Says:

    I would fix my wife’s teeth as it is very expensive in Israel and if there were any left over I would spend it on a jim tostay in shape as I sit most of the day at my work place

  24. Damon Says:

    I wouldn’t take the money if it were a loan. Anyone can make $1,000 just flipping hamburgers. Seriously, I fry chicken for a living and saved $425 last month alone. 2.5 months of that and there’s $1,000.

    I’m saving to start a market garden and roadside veggie stand. Hopefully the profits from that will allow me to purchase a one acre spot of land to expand.

  25. Brown Says:

    I’d use the money to pay my debt. I’m on that road right now and can’t be sidetracked with the stuff that got me there in the first place. It would stop this judgement against me right now.

  26. Sibille Says:

    I agree with Damon. I wouldn’t take the money if it were a loan. If it were a gift, I would save it for retirement.

  27. Stephen Says:

    Right now this would be a very welcome gift and a miracle in my eyes! After months of trying to get out of debt yet just sliding deeper into it and this month we said no more borrowing on credit cards, we are faced with sudden car repairs and a need to replace all my tires which have bubbles on the walls due to pot holes on our roads. What bugs me is this is a safety critical repair, so what do I do, hold on till I can afford it or come here Mr. Credit card? So to answer the question, I would put it towards car repairs and say a prayer to God of thanks.

  28. Trail of Truth Says:

    $1000, hmmmm…, if it was a gift I would write a thank you note, come to the Write to the Bank seminar next fall, then thank God for the opportunity to develop gifts and move forward in life.

  29. Royal Says:

    Instructive incident. However, too many blame the younger generation. I am 78 and would suggest the problem goes back to parents and grandparents who spoiled generations motivated by “I don’t want my children to suffer the bad times as I did” and then over responding by not letting their children take responsibility for their own actions. And, now, it is even worse, with the promotion of Washington, DC as being heaven and the president playing God and too many people buying into this perception.

  30. beefriendlybeekeeper Says:

    I’d give a $100 to my church (for our mission to Haiti), I’d save $100 and then use the remainder for my business start up costs.

  31. Richard Pierce Says:

    A gift of $1000 would go into our HSA account after tithe….or have a party at Dave and Busters for Father’s Day! An investment would be used toward networking and advertising opportunities. My goal this year is to have purpose, peace and joy in my family’s lives. Thank-you

  32. Dinese Says:

    I would not take it, if it were a loan. If it were a gift, I’d use all of it toward debt. If I were debt free, I’d help someone else somehow and save the rest.

  33. Nancy Says:

    Well, I wouldn’t borrow a $1,000.00 from you. There is nothing I need or want that I wouldn’t save up and pay with cash. If I don’t have the money to pay in cash, I guess I don’t need it. If you gave me $1,000 as a gift I would save some of it, spend some of it, and pay the rest forward. One of my favorite pay it forward items are Dave Ramsey books. Financial Peace and Total Money Makeover books.

  34. cm Says:

    I would ask you to please keep your money- I’m already DROWNING in debt!!

  35. Paul Arney Says:

    $1000.00 would go along way at the local soup kitchen or local shelter for battered women. It could buy a fair amount of summer clothing for needy children.

  36. Steve Says:

    Depends, did you give it to me or loan it to me, if it is a loan I don’t want it, if you wish to give it to me, I will buy some silver, and pay a little debt off.

  37. Mary Beth Patnaude Says:

    If it was a loan, I would say, “I appreciate the gesture, but no thanks. I am trying to get out of debt.” If it was a gift, I would gratefully take it, and continue my efforts to get out of debt. I would consult with my husband on which debts we apply it. I think I would take a small amount and have a “date night”!

  38. Debi Says:

    Well, Dan. As a single mom w/o child support or a decent income; I’d hope for a gift & not a loan. I have been sick, with no pay several times last month and EVERYTHING needs paying! Food-electric & water would be good……If I has ANY chance for a home business that would be next. To dispute some of the comments here;not EVERYONE who is having trouble financially wants or HAS govt help, family, husbands, or is lazy or not working. How about taking care of the fatherless like the Word says? I would just praise God for the miracle!

  39. Carol Says:

    When a child is born prematurely or with special needs, most families go through a rollercoaster of emotions. I would use $1000 to get a 501c3 for a wonderful program that gives support to families with children who have special needs through parent-to-parent matching, support groups, and information and referrals. I have spent six years growing this program under a very kind host agency, but with limited funding opportunities. With a non-profit status and a working board, I could apply for additional funding, hire someone to help with the work overload allowing us to serve more families more effectively.

  40. Steven Dekok Says:

    If I received $1000 today, I would put it towards the development on my retail website! MMA is the fastest growing sport in the world and it is a passion of mine.

    I have learned a lot of hard lessons in life but, finally, I think I will have a good answer for God when He asks me what I did with my talents!

  41. Rob Perrin Says:

    Right now Lara & I are in the midst of moving to Las Vegas, NV, from Jackson, TN, so my first thought for the $1000 was “Home Improvement,” before it goes up for sale. However, what I would really do with it is give away “48 Days” Packages to folks who express an interest in “Living their Dream,” starting with my niece who just turned 17 and is starting her Senior year in HS this fall. 48 Days helped me finally “figure out what I wanted to be when I grow up” and I’m now doing just that. MQ-1B Predator Pilot, USAF.

  42. CJ Says:

    If you gave me $1000, I’d pay down my small debt. Seems simple to me.

  43. sean diedel Says:

    Some friends of my wife and I are about to have a very premature baby and has been in the hospital for a week now. The husband has had a hard time finding good work but has been managing to find lots of odd jobs; he is a very hard worker. I would give the money to them to help them in their very hard time. We’ve helped them in the ways we can but it hasn’t been $1,000.

  44. Ray K. Says:

    I am recently unemployed. With a $1000 I would purchase a book (maybe 2) to aid in my goal of an improved and healthy lifestyle. I would use some of the $$ to improve or develop at least one skill/habit to improve my worth to society, and enable me to be more employable. I would use the remaining to $$ to give time to an organization such as the Boy Scouts and purchase some gear and take some young men on a weekend adventure.

  45. Ramona Says:

    If it were truly a gift I would give 10% to my church and then use the rest for my debt snowball- we only have $4000 to go before my husband and I are debt free.

    If it were loan I would graciously say no thank you.

  46. Michael Says:

    Give $100 to my local church – then I’d buy a Jim Rohn CD set for $50 I’ve had my eye on. Then I’d probably stuff it in savings until I figured out the best way to invest.

  47. Fritz Says:

    Dan, you couldn’t loan me $1000, I wouldn’t accept it. My wife and I just paid off our last credit card. There is no way we’re going back into debt! A gift of a $1000 is much different. I’d start by matching my own contribution of $300 to Heifer International so they could buy more farm animals for needy families around the world. A $125 would be set aside to pay for some deserving person’s groceries the next time I sense the need arise. We’re going on vacation this summer, $125 would be used to tip waiters or waitresses above and beyond. The single mom trying to make ends meet, or the one who just got stiffed for a tip by an ungrateful customer. Our church has a giving tree during Christmas, I’d spend $125 buying the needy the gift requests that are tied to the tree. My wife teaches kindergarten, I’d set aside $125 so she could get shoes, clothes, food or school supplies for the children that always seem to need such items. The last $200 would be used to pay for a couple folks to go through Dave Ramsey’s FPU classes (just like someone helped us when we started) and to buy some of his dvds and books to give away to those that need his help. My prayer is that this would all cause a ripple effect thereby helping more that one life touched.

  48. Steven Deaton Says:


    Thanks for sharing this real-life story. I am afraid this is epidemic in our society. Worse is the fact we have people who are willing to “support” this attitude; either by giving them material help or promising to take it from someone else and give it to them.

    All is not lost, though. There are a lot of people at http://www.48Days.net who are self-reliant and either living or chasing their dream life. It is an encouragement to see folks who genuinely work hard and support others who do the same.


  49. Shane Says:

    First, I would thank God for answering my prayers, then I would open an account (college fund) for my daughter (3 yrs old) and promptly put $1,000 in that account and keep on working like nothing happened. I have so many other places I could use the money (2nd mortgage, towards new used car, new roof, etc.), but that is the most important.

    Too bad this guy sounds like the typical person that our government is enabling. I suppose this guy would blow the $1,000 on beer and pizza while he sits at home on his butt playing video games.

    And we wonder why everything is made in China. We need a better work ethic here and the government to encourage hard work, not handouts!!!!

  50. Sharon Says:

    Since you are giving the $1,000, this is unexpected income. First, I would tithe 10%. Secondly, I would set up 2 scholarships of $400 each for 2 students who would not normally have the opportunity to further their education. Specifically, I would have the scholarships for some type of vocational training such as welding, truck driving, respiratory therapist, etc. Then I would take the remaining $100 and take both of those students plus 2 instructors from each of the respective training programs and 2 people who are currently working in those fields to breakfast to discuss how this training can change their lives forever. It’s about teaching someone to fish versus just giving them a fish.

  51. Caroline Says:

    As a gift, I’d give away 10% to a charitable cause and use the rest to do your coaching program. I just left a job that I was miserable in and am now mentally ready to leap into a rewarding career.

  52. Trisha Says:

    I would buy a camcorder and start this small business I have been dreaming and scheming about since I am unemployed and need cash flow!

  53. Tim West Says:

    I would first tithe 10% then I would put some in my emergency fund and use the rest in my business that I am getting started. Some people always see money as their security and safety instead of using it as a tool to build.

  54. Nora White Says:

    I would build a shade structure and buy some plants and start my “roadside” stand that eventually will become my nursery.

    The kid doesn’t sound typical to me of kids I know, but a certain subset I used to know back in college. A few still live in that mindset, it is sad.

  55. Trent Says:

    I would use it to help purchase a new computer and printer to use in getting my business up and going as I plan to do this year. My personal computer is so outdated it is unusable. It will not run any current software etc. It is running on Windows ’95. Now that is OUTDATED!

  56. Alan Lay Says:

    Hey Dan:
    If I got a thousand bucks, I would immediately do a couple of things (After tithing).
    We just moved into a bigger house with a 2 car garage. Which I am using to enlarge my used bike shop. We have so much to move, I would hire a couple of kids from church to move the stuff. They are going on a missions trip and need the cash. We hired them on moving day to help rather than hiring movers. After I get the room I need, I would take the balance and source inventory. I can then continue to grow the ‘business’.

  57. Stuart Says:

    If I had $1,000 today I would pay the fees associated with registering a nonprofit organization to pursue the development of a Challenger Learning Center.

  58. Renee Says:

    INVEST IT as part of my wealth-building plan 🙂

  59. Scott Says:

    Is this a loan or a gift? If it is a loan, I wouldn’t accept the money in the first place. If it is a gift, I’d first try to talk you out of extending the gift if it is purely a vehicle to prompt a measurable and reportable response. In the unlikely event that I accepted the gift (for reasons that I can’t anticipate, here) the money would go right into the bank for later allocation and use. It wouldn’t change our family life appreciably as either a strategic or tactical input to everyday life.

  60. Dawn Blair Says:

    Strangely enough, I just calculated yesterday that it would cost me $1000 to go to a painting workshop coming up in September — that would cover the cost of the class, travel, food, and lodging. I’ve been to another one of the instructor’s workshops before and he took my painting to a new level. It’s been a couple years and I feel I’m ready to go to the next step. Of course, I’m hoping to sell enough paintings at shows between now and then that I wouldn’t have to take a loan. However, if I was in a similar situation as the Taco Bell employee, this would be my answer. Oh, and I wouldn’t quit my day job! I’d keep that just to make sure that I could pay the loan back within a year, along with making sure the loaner got a great painting as well.

    Dan, this was a great question — it puts in perspective that $1000 isn’t a lot of money, but to some it seems like $1,000,000. How one views $1000 and if they believe raising that much money would be hard or not, speaks volumes about that person’s mindset.

  61. Erik Lunde Says:

    What would I do if you gave me 1,000$ today? Hmmmm…

    Well, my first response, and the least inspiring one, was to pay down my highest interest credit card. But then I thought that I would use it to buy my own time. I would use that time to take three days off work to hole up in a small cabin near my home in Fort Collins and finish writing this batch of songs I have. The rest of the money I would use to record the four best songs of the batch. Then I would promote them and use those songs to get film and TV placements, gigs, and festival opportunities. I think I could turn your 1,000.00 into at least 10,000.00 of return, and hopefully, much more. Yeah, that’s what I would do if you gave me $1,000.00!

  62. Teresa Says:

    If someone gave me $1,000, I would use it to make repairs to my home. That way, I could continue to enjoy the benefits of the repairs and others could use the money that that they would earn from my repair job to make their lives better too. The $1,000 would become many more dollars by being put into circulation.

  63. Greg M Says:

    That’s a sad commentary on our youth. I own a remodeling company. I am down to just myself and no employees as we have taken more 1-2 day “handyman” type jobs as the large rehabs have dried up. But, I am still working it. I also work PT for a freight company at the airport to provide insurance.
    I have stopped and offered people holding “will work for food” work. I have never had anyone accept. They say “no just a few dollars. I don’t want to be any trouble.”
    If I was given $1000 I’d pay off a $700 debt I have and get the springs replaced on my truck. Since we’ve been on the Dave Ramsey Plan my work truck is a 17-year-old Ford…no loan, no lease and no debt and 213,000 miles. Just needs a little work here and there.
    Anyway, that’s what I’d do…and I’d keep working BOTH jobs.

  64. Doris Marks Says:

    Dan I have about 7000.00 in debt. I have two cardit cards each with about 800.00 on them so if I had a 1000 that was not another loan I would tithe off it and kill one of my credit cards off that is 800.00. Great question.

  65. Marty Says:

    few years ago, many people thought I was craszy because I would comment, and I meant it, that if I won 5 million dollars, I would still work. Maybe not full time, but I would find somethingt. Now, probably not 5 million, but even if I won a miilion, I would still be looking for work. If you loaned me a thousand, I would keep going looking forwork. Young people just do not underestand how litttle $1000 is.

  66. MiaC Says:

    I would get may Tahoe fixed so that I could go to work! And, have a way to get products to my antiques booth! 😉

  67. Gus Says:

    I would not borrow the money – unless it was at 0% interest … but as I am saving for currently, I would use the $1000 to purchase an upgrade to my programming development language so that I can develop a couple of software programs that I am working on in order to turn the $1,000 initial investment into $10,000 or possibly $100,000 – The best use of anything of value is to multiply it – and the investments with the highest returns are those that being eternal value to others.

  68. Darrin Dickey Says:

    I don’t borrow money, so I wouldn’t take it. But if you GAVE me $1,000 free and clear, I’d use it to continue building my fledgling history-niche media company (future empire).

  69. Parker Says:

    What’s the interest on paying it back? There’s no such thing as a free lunch.

  70. Matthew Vander Plow Says:

    I’d go crazy at the 48days.com store and purchase all the materials I have been drooling over (Write to the Bank comes to mind) as well as reserve my spot in a couple of events at the sanctuary…

  71. Brian Bleifeld Says:

    I would purchase a test sample of 50 units of a new product I am trying to sell. Then test the response to various advertisments selling the product. Then I would have some real test data and some money to begin production.

  72. Irene Says:

    Probably I would invest in something that I could do to provide for the need of someone else.
    “Store up your treasures in heaven”….

  73. Scrapping Skinny Says:

    Dan–I think that if I received $1000, I would finally be able to get the asbestos removed from our basement. It costs $2000 total and I only have half saved at this point. I have three children and our basement is our laundry room. My son and I have both developed odd rashes in the last couple of years. We don’t know what it’s from but I have read a lot on asbestos and know that I just need to have it removed to be sure. It’s an old farm house. I have a family that lives next door with four children and those four children pretty much live with us during the summer. All from different dads and the mom/boyfriend sleep(drugs?) all day and aren’t available for these four adorable girls(11 years and under). They eat and most of the time sleep at our house. It makes it hard to save extra when our food bill goes up every summer. I don’t ever want to be mean to them but I know the mom is on welfare and I feel like a lot of times, I’m enabling them because if they don’t buy food for the girls then more money can go for drugs. How do I handle this situation with a compassionate heart? I am currently working with the two youngest on schooling because one didn’t pass first grade and the other isn’t ready for school, although the right age. They are great girls who just need direction. I’m afraid they will end up in the system themselves because they aren’t getting appropriate direction. Any suggestions?

  74. Carol Says:

    As others say, no thanks to a loan, but as a gift, I would use $400 to buy bibles for the pastors we will be training on our next East African trip this July. The next $200 would provide scholarship money to two of the most promising students to attend a semester of bible college. (Yes, $100 would cover one semester!) The remaining $400 would be used to honor our 30th wedding anniversary with a visit to Victoria Falls after the training.
    I’m inspired by the many responses and seeing how each individual is endowed with certain talents, responsibilities and desires. It is following God on the path He has put you on and investing the abilities He has given that make for a rich life.

  75. Michael Z Says:

    Hopefully the terms would be lower than my credit cards, but I would use the money to make some home repairs, like flooring in the living room and kitchen, so that I can complete the paperwork to refinance my house with cash out option. I only owe $3800 on the house, but thousands in credit cards. Plus I just bought a new car. Payment coming due soon.

  76. Joshua Says:

    If I were given $1,000.00 after tithing, I’d use the money to fix the windows on my car which I currently keep from falling down by using duct tape. Then I’d use what was left to pay for my LWI trip to Guatemala this August. I’d also use a small amount to buy new shoes for work.

  77. Sophie's Mom Says:

    I would hope I’ve learned my lesson about loans. I’m still trying to dig out of a mess that I put myself in years ago. I hope I would have the integrity to just say NO to the loan. 🙂

  78. misty Says:


    It amazes me that people think money is so fluent without any effort to get it. Hard work bring dividends. It always pays off.

    If I had an extra $1K, I would do exactly what I am currently doing with any extra money from my job or business: give 5% to church, 5% to someone in need, save 15%, 25% to my 6month emergency fund (I have 4 months right now) and the balance to pay off the house.

    I love getting your emails. I have never downloaded a podcast of yours…simply I don’t have the time and can’t listen at work. Maybe someday I will be 100% self employed, for now, I do both. Appreciate your encouragement.

    Regards, Misty

  79. Creative Cafe Says:

    Let’s see…if someone gave me $1,000 today I’d be more practical: save it for my rainy day fund; send in my qtrly tax; pay down my car note; or use it for medical expenses.

  80. Chris Morse Says:

    How terribly sad the mindset of the young! That’s what has brought us to the political abyss we are experiencing! That “gimme a check” mentality! Dave is right, so was my Grandma, I’d give 10%, save 10% and given the current lack of consumer confidence, I would retain the 80% to cover the uncertain income stream my one man business generates.(Wow, that would be a blessing!)

  81. James Radovich Says:

    If you were to loan me $1,000 Dan, I would use that money to pay you to teach me how to earn money and become self-sufficient, so I don’t need to work for any employer. Throwing money at someone is not the answer.
    I believe in the old adage; Give a man a fish and you feed him for lunch, teach him how to fish and you feed him for a lifetime. I must learn to “fish” Dan. I need practical, street-proven, no-nonsense, immediate income producing, real world tested information on how to go about starting to work for myself, earning multiple streams of income and living my life on my own terms.

  82. Lorneth Peters Says:

    I would give $200.00 to charity and then use the rest toward paying off a bill.

  83. Alan Says:

    That really is a sad commentary on what our children are learning, at school and at home.

    I could use $1,000, towards either a home project I need to finish so I can refinance, to lower my rates and get funding for my business, or towards a building I need for that business. I just left a partnership after 25 years, with nothing to show for it and no safety net, so I’m starting over at 47 years old. I couldn’t imagine taking any loan and doing nothing with it.

  84. Charles Says:

    First thing would be to tithe the first ten percent. Then put the money into my investment account to help get a start. I signed up with a friend who teaches options trading (the sane way with loads of common sense).

    I haven’t worked much in the past two years so trying to get enough money together to get started once get good at paper trading.

    This example very much illustrates the mentality that has been propagated in this country.

    It used to be that we were taught to work when we were young. In doing so we were taught that no matter what we were working at we should have pride in a legal job done well.

    For the past 20 years or longer it sems as though in this country the kids have been taught that there is a shame to working with your hands (and your head it seems sometimes). That is why we have become almost entirely a service based economy. Bad, Bad, Bad for this Nation.

    The Bible spoke of a time when Saul was king over Israel that they had traded away their ironworking to the point that when war came there was only one or two swords in the entire nation. It also poke of their fuel being purchased at the price of their lives. Any of this sound familiar to our time and Nation?

  85. Greg Says:

    After tithing the first 10% I would take the other $900 and put $400 in the bank for holding. I’d take the other $500 and invest in a good quality mower and some gas and some fliers. In my neighborhood, there are a ton of senior citizens and two-incomers that will gladly pay $20 or so to get their yards cut. I would set up year-round deals with anyone that will. When the time comes, I’d take some of the money and invest in a couple snow shovels and offer snow shoveling as part of the year-round for those who took that. Others, I’d offer to shovel snow for 25 cents per linear foot. Around here, that would gross me about $20 per shoveling job. Just a few thoughts.

  86. Ellen Moon Says:

    Being a resently divorced part-time artist, I have no place to store my art supplies. (they are in bags under my bed right now) I would purchase some shelves and chests in which to store my paints and canvases so that I could easier reach them as I paint. I would paint several small paintings, (small seems to sell easier) frame them and then talk a couple of local offices into displaying them with my card at the bottom. My work usually sells IF it is seen, so I would pay back the thousand with my profit AND I would have the storage as well. Small thoughts I know, but I am only at baby-steps right now. (…do not despise small beginnings….)

  87. Ron Peters Says:

    Unfortunately $1000 doesn’t really buy what I need. I have a job that I like well enough but it’s not really my passion so I’ve been working on my second book and developing ideas for, as you say, multiple streams of revenue or at least multiple venues to drive potential customers back to my site. For that I need more time in the day. Between my job, family/kids, and other commitments the end of the day comes too soon.

    Like many others I’m no interested in a loan. My knee jerk reaction was to buy an air compressor for my shop to more easily do side automotive work which is semi-related to my latest book idea. That’s currently already in our budget so a windfall to accelerate what we’re already going to do isn’t very exciting.

    I think it’d come down to one of two things. I already have 90% of the manuscript for my second book done which is related to car shows (hot rod and the like) and I’m working on getting it formatted and ready for initial copies to be printed. The first potential use would be to hire someone to develop the cover and final formatting so I could focus on finalizing the rest. The second contender was a very good idea from one of the others above of buying a plane ticket and joining you at the next Write to the Bank seminar.

    I think the seminar would be a better long term investment.

  88. jory Says:


    I would pay it forward in the form of immediate need and future potential of someone. I know money doesn’t solve problems nor does it make one have joy. I would want to make sure it was uses to bless someone who would be a blessing to someone else.

  89. Mike Says:


    Following Dave Ramsey’s plan I would finish Baby Step #1, $1,000 starter emergency fund and use remainder to jump start Baby Step #2, working the debt snowball. Of course I would purchase 48 Day to the Work You Love first. Creating a larger shovel would help me get out of the DEBT Hole a lot faster. Who knows I might even enjoy what I’m doing…LOL!!!

    Thanx Dan.


  90. Rob Dyess Says:

    Well- if its a loan…. I can’t do it.

    If I won 1000.00 in the lottery- NOT NEARLY ENOUGH TO stop working…

    I would invest it… buy a garage sale care to fix up and sell.



  91. Cassandra Says:

    Hi Dan its Cassandra. Are you kidding? I would use it toward the trademark for my logo or as a down payment on my patent!

  92. Abi Says:

    If $1000 was given to me, I would pay my tithes and offering and use the rest to attend your seminars so I could learn how to be my own person, and gain the confidence to start my own business.
    Thanks Dan for making me think. 🙂

  93. David Creel Says:

    I would finish my fully funded emergency fund and be on Baby Step #4 of the Dave Ramsey financial plan!!

  94. CeAnne Says:

    I think there are a LOT of people out there like that, my guess would be at least 50% if not more. There are not many people willing to save or pay off debt with the money but rather anxious to spend it. At one point that probably would have been me (spending it instead of paying off debt). Now that we are debt free we would probably save it as we have two large events coming up, buying a mini van and adopting our 3rd child. After that we would save to purchase some land.

  95. Dan C. Says:

    Date night with my wife first; to pray, dream and plan!

    Then, knock down debt, no question.

    And, only if it was a gift and not a loan.

  96. Shawn Says:

    The $1000 for me would go into the home debt. Thinking long term, the sooner we pay of the house, the sooner we can pull the trigger on other projects we’d like to do. It also lowers the threshold required for me to be able to quit my current job and work on my business.

  97. Sally Says:

    I would say Thank you and decline the offer. I am debt free except for the house. I want to stay that way.

  98. Glen Markham Says:

    $500 would go to my church’s building fund. I could use about $250 to get my Dave Ramsey beater fixed up. The rest would go towards living a little – I still owe a little on season tickets for my son and I to go to hockey next season. Most of all if you gave me $1000 I woudl say “Thank you” and give you a hug.

  99. Marty Says:

    I am following my calling God gave me to teach money management in the High School system, so this is how I would allocate $1000 if given to me:

    $100 tithe
    $100 offering (50%-church, 50%-charitable orgs)
    $100 Emergency fund

    If emergency fund filled up, then next in this order:

    ; if filled up then allocate to all debt, then if any remaining funds, then next contribute to build up ‘wish list’ fund ; then $

  100. Blair S Says:

    With an extra $1000 I would hire someone to give my resume some sparkle and shine. I would get some lessons on successful interviewing. (Sometimes I freeze up when I have to ‘Tell us about….) I would donate some and save some. Thank you for offering. Thank you for the opportunity to visualize.

  101. G Samuel Verret Says:

    If I had $1000 it would be the amount my wife and I need for our travel expenses to move from Phoenix to St Louis to start the church and resource center for people in transition that we have been working towards for the past 2 years. We have a Christian trucking company moving all of our things as a donation to our ministry. We are working and believing for the travel expenses. The $1000 would get us to St Louis and the fruit would be perpetual as we touch peoples lives with the Gospel of Jesus Christ!

  102. Peter Says:

    Well, after tithing, I believe I could use the balance to finance a “social entrepreneurship” e-commerce venture in (for)my home country of Jamaica to finance community revenue generating projects.

  103. Tami Fenton Says:

    Easy, I’d be at Write to the Bank! In fact, I will be at the next one, NO MATTER WHAT!! And I can hardly wait.

  104. Mary Says:

    First, I’d tithe 10% of it. Then I’d give 500 toward my church’s building fund, put 250 in emergency fund and use the rest to help with gas to go to church since we live a distance from our church.

  105. Jane Says:

    I would pay for that extra class to advance my knowledge in my field of work to keep me on top of things. To me, that $1,000 would multiply as I would consider it an “investment”.

  106. Mike Howe Says:

    Use the $1000 to get one step closer to being out of debt. But then, I’d be in debt to you. I just would not take it as a loan. I certainly don’t need another loan. We are baby stepping out of debt.

  107. Sheri Says:

    If I had an extra $1,000 I would just get ahead on a mortgage. I do find it amazing that people think that $1,000 is a lot of money. It may pay someone’s rent for 2 months but that’s just about it. I had a girl that worked for me and took a voluntary separation package because, “it was too good to pass up”. She got maybe $5,000 – and she was making $50,000 a year. So I guess that mentality is out there. But the only way I would quit my job would be if I came up on $1million. Then I would take the money, invest and do something different. People are interesting. Thanks for your thought provoking newsletter.


  108. Richard2 Says:

    If the $1000 was a loan, I would politely refuse. As a FPU graduate still on step 2, I am trying to get out of debt not take on new loans. If the $1000 was free 10% would go to our local church and the rest into our growing roof replacement fund. Practical, but true!

  109. mev7463 Says:

    I would like one day off to spend with my family. Then being self employed I would push my work one week out to start the non profit I want.

  110. Michelle Says:

    It may sound simplistic but if I was given (I don’t do loans) $1000, after tithing, I would put half of it in my emergency fund, to help get that up to par, and then use the rest to self publish my cookbook and paint my home office to get rid of this dreary greyish brown.

  111. Lauri Wettling Says:

    $1000? I would tith 200, giveaway away 200 (in 20 dollar bills just hand them out at random or pay for someones groceries or at the gas station or purchase someone a meal or buy feed for the dog pund……) pay for a class that I haven’t been able to take and put the rest in savings. Or what would be really fun since it wasn’t my money to begin with is to give it all away. Thanks for the thoughts!

  112. George Phillips Says:

    I would apply the $1000.00 to purchasing stock for my newly formed gun shop. That is after I was sure of the rates and your expectations of repayment.

  113. Floyd Shoemaker Says:

    My first responsibility if I was given any amount of money would be giving atleast 10% to God, unless I was lead to give more. Second I would go in prayer and ask God what he would have me do with it. This could be giving a large amount to a local chairty here in Flint MI that helps the poor, needy, the widowed and the fatherless. And if there was any left over, it would use the remaining to pay for tution. I would also have to send you a thank you letter.

  114. Faith Says:

    I would pay my tithe first, pay myself second and then pay some bills.

  115. Sue Says:

    I would give it to my 20 year old son as an emergency fund, as he has just moved to Los Angeles to try to live his dream as a fully employed tattoo artist (he really is very good, see website!)… and the anxiety of living week to week until he is established is not good for him! He’s been raised Dave Ramsey-style …. but being on one’s own is scary!

  116. Sue Says:


  117. Becky Says:

    I would sign up for our sidewalk art festival and pay for a booth and buy art supplies and canvases. I did it last year and made some money and have more ideas on what sells for this year, but am not planning on doing it again unless God provides.

    And if you were the one giving it, I would hope that it was in person, so I could thank you for giving what you’ve been given, not the money, but the wisdom that God gave you for this ministry. My husband had a decent job but was beginning to get frustrated with it when he read your book. We began dreaming again because of your book and ended up starting a painting business, which is what he knew how to do from running a franchise years before. It has been a blessing, so far we don’t have much overflow but have been able to give more and stay out of debt and he is not frustrated at his job and we’ve been enjoying life much more with our four little boys, They need a happy dad and you’ve helped with that. I get to use my color design skills to help people beautify their homes and he paints and manages it all. We love it but are continuing to dream, knowing that it is just a step in the right direction. Thank you for what you do.

  118. JR Says:

    If it was a gift I would take it, but I would not if it were a loan. I would tithe 10% and put the rest in my emergency fund…

  119. Don McCallum Says:

    I’d buy my $1,000 guitar back from the pawn shop for $200. I’d make payments on some back bills. I’d buy some ads for my new song coming out on iTunes! (This song is to help raise money to build a music ministry).

  120. rhonda Says:

    I would put the money into my home that needs some repairs.

  121. Mike G Says:

    Dan, I loved the scenario you present. I posed the question to my 16 and 17 year old boys and had some interesting conversation with them. Both boys have been involved with my real estate investing and understand the difference between good and bad debt. The 17 y/o decided to hold a cultural event (piano concert) renting out the local community arts center. His bottom line was $50 in his pocket and the loan paid back but he felt it was worth it because he put some pianist to work provided a great experience for the attendees, did some marketing, and gave the arts center some good exposure. The 16y/o decided on a fundraiser for a worthy cause but didn’t put any details into his thought process. Interesting…I loved seeing the differences in the two boys. As for me I would stop by an estate sale make some great deals and resell at still a great price projecting a 300% profit.

  122. Mike G Says:

    Dan I am surprised, after reading some comments, how many people tithe on a loan. I have never tithed on a loan. I have always tithed on profits that a loan helped me achieve however.

  123. Yolanda Callegari Burton Says:

    Hi Dan,

    I would use the $1000 to accept Joanne’s invitation to attend the “Write to the Bank” Conference. I “feel God’s pleasure” when I write and I long to do more of it. I sincerely believe that attending the upcoming conference at the Sanctuary would be a divine appointment.

    From the Heart,

  124. Mark O'Brien Says:

    My wife and I are in the middle of Dave Ramsey’s baby steps, but if $1000 dropped into our laps, I think I would use it to start a side business which would generate even more income so that we could work through the steps, pay off our debt, and save for a house. This side business, if I used the principles in order to find the work that I love, might also lead to a more rewarding full-time job I love instead of the one I currently have!

  125. dan p Says:


    If it was a loan I wouldn’t take it. (Dave Ramsey influence) If it was a gift, $100.00 tithes and $900.00 toward Baby Step 3 emergency fund.

  126. Unemployed Says:

    I would put it in the bank to support my family, while looking for work in Sales & Use Tax accounting.

  127. Brian Ochsner Says:

    If it was a gift I’d tithe 10%, save 5-10%, pay any short-term obligations; then invest part of it in my business and personal education.

  128. Deborah L Brown Says:

    If I had an extra $1,000 I would apply it to my student loan debt – Debt Freedom is the goal.

  129. Tom Hudson Says:

    If I had done nothing to earn the thou, I’d give it to someone who needed it more — these days, probably someone who’d lost their house to the flood and had no flood insurance.

  130. Doug Hershberger Says:

    I would put the money in my savings account to help bring it closer to the amount we typically keep in there in case of an emergency.

  131. Diane Hamilton Says:

    Of course, if it were simply a gift, I would recognize it as one of God’s many provisions in my life—and be thankful. I would show my gratitude by tithing $100. The remaining balance would go to my two youngest children who have been through major struggles in life and are challenged every day to become the person that God would want them to be. As a single, divorced mom who, recently lost my job and now is, gratefully, caring for my elderly mom, I am unable to help them. My youngest daughter has battled anorexia for years, yet, remains faithful to God and is beginning to show real growth. My son has battled horrible addictions and now faces a failing business. For the first time, he is working on staying clean and returning to the Lord. My daughter has needed car repairs and my son has incredible debt.

  132. Patrina Wright Says:

    If you gave me $1000. today I would published my manuscript for my most recent work, “The Exodus Breaking Cycles, Changing Lives: Repositioning Your Soul to Thrive after Domestic Violence” a book I wrote to help victims of domestic violence move from a place of shame to a place of grace, and from surviving to thriving. I would also take the (2) courses I need to complete my M.A. degree in Clinical Christian Counseling, purchase some letterhead, envelopes, brochures, and post-cards for my counseling center. I would order a supply of products for my 12 week Women’s Weight Loss Challenge Program I am implementing to help women create a healthier lifestyle in a non-threatening way. According to a study done by the Robert Woods Foundation, our County is the least healthiest in the State of North Carolina. I would also pay (2) months advanced rent for my subsized office space and training center. I would also buy some copies of my book, Still Scarred, Totally Healed so that I could go door to door, and shelter to shelter to sell them. Lastly, I would buy some groceries and make my 3 children and grand-son a nice dinner to celebrate!

  133. Fletcher James Says:

    Its amazing how short sighted our youth can be. Only living for the moment. However, I can not solely blame him for his response. It is how he was raised. He is a product of the environment from which he came. Unless an outside influence can redirect his way of thinking, this mentality will follow him throughout his life.

    Seven years ago, I was broke and wrote a check knowing I had no money in the bank, but I was getting paid the next day. It was for a birthday present for my wife. I remember praying to God, telling him that I did not wish to continue living paycheck to paycheck with no money and constantly struggling.

    When I stopped in the middle of the store aisle, I look down and saw “The Total Money Make Over” by Dave Ramsey. It was twelve dollars, so I picked it up along with my wife’s birthday present and wrote the bad check for it.

    I read the book, paid all of my debt in a year. So to answer your question, The old me would have blew it on something foolish. Now I wouldn’t borrow it. If it were a gift, I would copyright some songs and poems that I have written.

  134. Leslie D Says:

    I would pay off bills and then have some leftover to give to the church I go to. Finally take my rabbit to the vet-to see if the lump is cancer.

  135. Eddie Says:

    It is sad that our youth choose to be in bondage, as though it is a “Good Thing”.

    Proverbs 22:7 says “The rich ruleth over the poor, and the borrower is servant to the lender.”

  136. Rebecca Says:

    If you gave me a $1000.00 I would pay off some bills and I would give a donation to charity.

  137. Penny Njoroge Says:

    Following your advise somewhere in your weekly magazine of 48 Days, I submitted my manuscript “HEALING HOPE FOR GRIEF & BEREAVEMENT”

  138. Donald Says:

    Sign up with a life coach to help me figure out the next leg of my journey.

  139. Brad Says:

    I would use the $1000 to test an equities investment approach. Paper trades are a good start but the only way to truly test an investment plan is with real money at risk.

  140. Sabrina Says:

    Hi Dan,

    My $1000 would be spent as follows:
    $50- offering to a favorite organization
    $350-to pay my car payment 3 wks behind
    $200 pay off two smaller debts
    $150 to stock up on groceries (school will be out soon)
    & remaining $150 to start affiliate marketing business

  141. Penny Njoroge Says:

    Following your advise somewhere in your regular 48 days magazine, I took a major step of faith in the middle of a major surgery\illness and shortage of finances, I took a great leap of faith and submitted my manuscript “HEALING HOPE FOR YOUR GRIEF & BEREAVEMENT” to Thomas Nelson Publishers – Westbow Press able to pay just a little of what was required for publishing cost. I know the contents of this material would help many who are not only experiencing bereavement at losing a loved one but also the grief of loss of jobs\livelihood, loss of homes to foreclosures, divorce\separation, terminal illnesses, needing to reinvent themselves in old age, etc. I cover all these topics in the book and confiidently composed the book based on the needs I see in my work as a counselor and chaplain. Given this $1000.00, I would pay my tithe and use the rest to get this much needed support book out in the markket soonest. My greatest desire and prayer is to instill a sense of hope in the hands of so many that are going down helplessly, hopelessly and in lonely places.

    I know This would be a worthy course to put the money in to reach out to others in their painful struggles.
    Penny Njoroge

  142. Daniel Says:

    with $1,000 extra dollars I would buy all the essential recording equipment I would need to start my own home recording studio and finally start recording all the songs I’ve been playing since I was about 12 years old.
    That’s OVER a decades worth of musical potential just waiting to be unleashed!

  143. Dave G. Says:

    I would not accept it, that would make me your slave. ( NO THANKS!!! )
    Sounds like this “DUDE” needs to start listening to Dave Ramsey.

  144. Len Nelms Says:

    What would I do with $1,000? First of all, I wouldn’t borrow $1,000 from you. I am finished borrowing money. If you chose to truly give me $1,000 (out of the goodness of your heart?), I would tithe 10%, use some to fully fund our emergency fund, and put the remainder in a special fund I’ve started to pay for my wife’s dental needs….pretty extensive, and pretty expensive.
    Maybe not the response you might think, but I’m already one of those who is working for several different customers to piece together a living! It’s been tough, but I see the possibilities!

  145. Bob Says:

    Wow, this one’s easy. I’ve been working on a web based business idea for awhile now. I’ve designed the web pages and am ready to go live except for one thing. I would like to get some legal advice to determine how best to protect my intellectual property. I’m not enthusiastic about using attorneys generally, but in this particular case it seems to be absolutely critical to going live with the site!

    Of course it would be nice to know the terms of accepting the money first! For instance, if it’s a gift, great. If it’s a loan we’d need to discuss interest rate, terms of repayment, etc. If it’s a gift it would need to be conditional: “Here’s a gift. Go forth. Do good. Pay it forward!”

    Have a great day Dan!

  146. clydewolf Says:

    If you gave me $1,000 I would give it to El Rancho De Paz, a Christian camp (http://www.elranchodepaz.org/) near here. This camp has about 600 resident campers each summer and about 150 day campers.

    It seems they always run short of scholarships for the camp, and that $1,000 could get a few more children into the camp.

  147. Carrie Says:

    Last fall, I inherited a bit of insurance money after my birth dad passed, and one of the first things I did was make a list of wants and needs for that money, and tithe 10% of it also. This money gave me a bit of insight into how I would spend $1000 or more. (Knowing me, I’d be careful with it because I don’t want it to slip through my fingers.)

    That money became a lifesaver more than once. It has helped me pay taxes I couldn’t afford–twice. I restored AAA coverage for the car so I have help if the car breaks down (it’s an older car). My car runs because some of the money went to an expensive, much-needed repair (need the car for work, and for visiting family). This laptop I’m on has become my “window on the world” as Mom calls it. That is invaluable to me in many ways.

    If Dad were alive, I’d hug him right now.

  148. Gary Arledge Says:

    Thanks for asking that question, I know exactly what I would do. . .
    I would use $150 to finish setting up my website, $150 to pay business license – tax ID etc. ($-?), $200 to order in additional products of my current line. Then spend the remaining $500 to bring in two additional lines that I need to be supplying in order to meet more of my existing customers needs plus help in developing new customers.
    This was an immediate response for me. Guess I had my “Elevator Speech” ready without realizing it until I started typing!
    Thanks for your continual encouragement and for believing in people.
    Gary Arledge

  149. Just Smile Says:

    1. Buy my son and daughter new shoes (they both have holes in their soles) ($60.00)
    2. Get the transmission gasket fixed in my car ($140)
    3. Pay my electricity and cable bill ($400.00)
    4. Pay off credit card ($300)
    5. Put the remaing in SAVINGS

  150. Amanda Says:

    I would finally have an emergency fund like Dave Ramsey suggests!!!

  151. Travis Says:

    Im doin’ pretty well right now… no debt but the house, emergency fund in place, income still regular. I think I’d give the cash to my friends at St. Jude. The kiddos there would make great use of it.

  152. Keith Schnelle Says:

    RE: your question: What would you do? What if I gave you $1000 today? Go ask our president, nancy and the rest of our congressional idiots. THEY are handing it out right this minute and don’t care what the kid behind the counter says or does. they don’t care. yes, Dan, there are more than you realize who are clones of the kid behind the counter, but they are being “led” by those in dc to not only promote it and stick it in our faces, but are being enticed to do it by deceitful principals. better start looking for land in central america, dude.

  153. Lance Says:

    Save my cars.

  154. Karen Says:

    Thanks, Dan, for your Q&A session tonight. You mentioned that very few people had talked about how they might use that money as an investment for business. Even before you talked about it tonight, I saw many of the comments posted here, and wondered much the same — especially since your disappointment seemed to stem from him not seeing that opportunity.

    I’ve been through the financial wringer myself this past year, but I’ve also learned a lot through my first official business failure. If I had someone invest $1000, a majority of that would go to getting a new business license, obtaining good liability insurance and then likely hiring a VA (whom I will now seek here through 48Days.net — what a great tip!). The remainder would likely be used to rent a space for running the 48 Days course/coaching for profit (the churches we are connected to will not permit that if we use their space). My patented product is regaining a strong interest in just the last few weeks (I believe you can click my name above to see it), so it seems time to re-investigate marketing that, as well as other streams of income, including some coaching opportunities my husband and I are gaining through running the 48 Days course here in the East Orlando area, and ministry to international scholars and students at UCF.

    Thank you for your laser-sharp reflections every week, Dan. It keeps us focused on where and how to go forward with passion!

  155. Wendi Gordon Says:

    This is truly sad. I got laid off last May, and it took until October before I found another job. I am very grateful for the unemployment check and COBRA subsidy our government provided that enabled me to survive during that time, but I didn’t simply sit at home and do nothing. In addition to looking for work, I read your No More Mondays book and got involved in the 48days.net community, started a company and developed my own website, http://www.betruetoyourself.com (with help from my wonderful husband of 19 years), wrote an inspirational e-book called The Butterfly Principles, and started a monthly newsletter for clergy and a Facebook page to which I regularly post links to articles relevant to clergy.

    If someone unexpectedly gave me $1000, I would give $100 of it to my church since I always give 10% of my income, put $100 in savings, and use the remainder to purchase targeted advertising in clergy publications and on websites to help grow my business.

    Thanks for a thought-provoking question. I hope a lot of people have better answers than “quit my job and wait until the money runs out!”

  156. Susan B. Says:

    I would apply it towards the tuition for a class I want to take in order to change careers.

  157. Calvin Richardson Says:

    If you gave me $1000 it would go into my bank account. Just like the endless number of paycheck stubs it would become a victim of a the endless paper trail I have left in my life. Fortunately I haven’t had many papers that say, “overdrawn”.

  158. Erin Says:

    The interesting thing about this question is that I realized that I do have $1000 and that I’m important enough to spend it on. I would hire you to help me sort out my life trajectory. You may be hearing from me soon.

  159. revakin Says:

    If am given aloan of $1000 i will invest it into my future. I will invest it in our famly business which is been run by my wife.

  160. Ken Says:

    Pay off my credit cards

  161. Joel Says:

    $1,000 loan – would not take it!

    $1,000 gift – Donate some of it to my church (10% at least), save the rest. Add to the emergency fund.

  162. Clayton Says:

    $1,000 give it to Deeper Still Ministries run by Danny & Kathy Sartin because I personally know their efforts for investing in the Kingdom and not of this world system.

    I spent time in the Marine Corps over in Liberia during the takeover of their President Doe’s regime, this time in my life helped me realize that with such an abundance of basic necessities here in the US discipline and the teaching of discipline is an effort we all must engage in, with the thought of putting others needs before our own. Unfortunately history shows that pain and suffering are the great teachers that drive us back to these types of efforts as we forget God’s grace and mercy with the pleasures of this world.

  163. Diane Says:

    I would use it to pay for my tuition so I could start my Master’s degree this fall working towards transitioning to a career in teaching.

  164. Berdine Says:

    Hi Dan,
    If you were to give me $1,000 today, I would use it to complete my baby emergency fund and use the rest to pay down debt…you may have guessed it…Dave Ramsey fan!! I started listening to you when I found out about you on Dave’s show. Love your newsletter!!!

  165. Multiple Streams Says:

    Hi Dan,

    I’m a loyal follower of your 48days.com site and all that comes out of that. I even submitted a question to your podcast and was pleasantly surprised when you answered it. I also had asked you about giving me a copy of your 48days to the work you love ebook as well as your 48days to creative income ebook and was again pleasantly surprised when you sent them to me. Again, thanks for answering my question and for giving me those 2 ebooks.

    On to the topic at hand though lol. Given the fact that you had already proven to me that you are willing to give I wouldnt be shocked if you actually followed through on your scenario/question and gave away that money. Anyways, if I had $1000 I’d use that to invest in establishing my online business efforts. For years I have been trying to establish an online business presence but due to lack of funds and even a lack of time from time to time I have been up and down with this goal and therefore have only been able to make a few bucks writing stories (online). So to answer your question, I’d use the $1000 (probably not all of it at the same time) to establish my online business efforts then once I am able to replace my income (which isnt much US$75/week) with my online income, I’d turn right around and offer my help to others who would be willing to work to accomplish their goals.

    Well, hope that didn’t bore you Dan. Just HAD to answer your question, and while I’m here publicly thank you for your assistance in the past (answering my question on your podcast and giving me the books just becaused I asked).

    God bless you Dan…

    Lady J

  166. Rachel Says:

    As I saw someone else said… I would turn down $1000 if it was a loan, but if it was a gift I would hire someone to search for $15,000 in scholarships for me for college this fall, or I would put the $1000 towards school and keep searching on my own…

  167. Joe Says:

    I would add it to my emergency fund.

  168. Lonnie Says:

    Well I would have to say two years ago I would have most likely done something similiar, but after being laid off and now starting my own company I would have to say it would go into the company and used to produce my family and I a better income

  169. Kathleen Says:

    I would use the money to learn French which is the second language of Canada.

    I have wanted to learn French for some time now but haven’t used my money very wisely in the past – now I suffer. BUT I have learned and now I know the value of every penny that I have. I also have dropped the value of all the stuff I have. It is freeing!

  170. Patricia Woods Says:

    I would use the money to self-publish the historical novel I’m writing about 18th century Louisiana. When I become a full-time writer (again) it will give me seed money to plow into ministries and organizations that actually help people. Meanwhile, I’m working on multiple streams of income, just as the book says! Thanks for all your great work in helping people!

  171. ron mueller Says:

    I would go to Taco Bell !!!

    But really, I would say thank you Jesus, but I just don’t need the loan!

  172. Clarissa Says:

    Well, I’m not sure if I’m repeating anything that’s been said, but I know from personal experience that we have good intentions but poor follow through. For example, I’ve taken out loans thinking that I would pay off credit cards and then not use them again. Did it happen? No, because I didn’t have a plan. As I’m learning, thoughts and ideas are fine but you must create a plan to implement them. Now, if I was offered $1000, I would put legs underneath a plan to build websites (under a pseudo-name, of course) that provided solutions to a particular problem or issue through articles, ebooks, video, or audio.

  173. Mike Says:

    Thanks to God, after 2.5 years of sacrifice we are debt free! Also after reading 48 Days I quit my ‘safe’ city job and paid to put myself through truck-driving school. I have been working in my new career for about a month now. It took me about a month and a half after finishing the class to find a tractor-trailer driving job where I am home every night. Things are falling into place. After tithe, we would use the $1,000 to bulk up our emergency fund as we are thinking about having kids soon. Can’t wait to start ROTH IRA’s too! I have been researching mutual funds on Morningstar. I drive a ’94 Chevy Cavalier and take my lunch to work everyday. Oh, and our ages are 25 and 30– responsibility isn’t always tied to age.

  174. Scott Says:

    I would first give my 10% back to God, pay off one of my smaller debts and save the rest for future expensive as we have a baby on the way.

  175. Stephen Elmore Says:

    Sad but true too many young people are like this. I would have taken the $1000 and added it to my own $1000 i’ve been saving and start my business. It’s not much but I think it would work.

  176. BillyToro Says:

    $1k, I would tell you to invest it in my new investment management business & I would earn a fee for making your wealth grow. Incentive is a powerful thing…if you incentivize people to work, they will work for it; if not, they will be lazy with it.

  177. Shawn Lowe Says:

    I see that a lot where I live. The moment mentality. I also recognize it in myself as a teenager. Fortunately I grew out of it and pay me first so I have choices now and down the road. I work in an environment that hires many teenagers and very few can see past that next paycheck and have no plans for the future. Our country is in very big trouble because of lack of motivation, passion or work they love and there are a lot of people I see daily who think food stamps are their job and they are entitled. They are also the people who are having children, so that mentality is getting passed down. I hate to be such a pessimist, but I am very worried about the direction of our education system, value system and morals as a country.

  178. janice Says:

    I would go to your training…

  179. Raymond Bailey Says:

    I would invest part of the loan in a profile package that your program offers. Once I had a clearer understanding/confirmation of where my gifts and talents are and where they could be effectively applied(I’ve had positive input from various individuals regarding entrepreneurship), then I would invest the balance in further preparing and developing what I believe would be a viable alternative to a traditional work model.
    Time freedom and more personal creative control being the core motivations here.

  180. Cathy G. Says:

    If I had $1000 literally right now I would:
    1. Give God a tithe and special offering of $150 to the rural church home of my deceased grandparents;
    2. Set aside $400 in a savings account to go toward registration for and travel to Kevin Miller’s intensive workshop on the weekend of October 29;
    3. Use $200 to pay for the 500 business cards I want (already designed, with the plan of salvation on the reverse) and maybe be able to get a few sheets of letterhead with envelopes;
    4. Use $200 for me to get some summer clothes and go to the hair dresser for 2 or 3 times before August; and
    5. Give the remaining $150 to my teen daughter for her once-in-a-lifetime trip (else, to pay for the mandatory school uniforms required beginning in the fall).

  181. David Says:

    I would like $1000 to purchase audio books for our local library in Grants Pass, OR. It’s a small little library that really does not have any good non fiction related audio books (cd). Zig Ziglar, Dan Miller, Dave Ramsey, Chip Ingram, Rabi Lapin, Joel Osteen, John Maxwell, Rick Warren, ext.

  182. Amos Kirk Says:

    $1000 cash would buy parts or supplement available cash to invest in a construction equipment reconditioning venture I’m dreaming of starting. $1000 can be doubled in revenue again and again.
    Some would view $1000 as a windfall free lunch to sit around and do nothing, others will double or triple the money with hard work.

  183. Ben Moore Says:

    It’s an interesting question. A loan I wouldn’t take…I don’t need another thing to pay off. A gift I would use for our campus ministry to Boise State University. Maybe use it as a matching gift to double or triple it. It is in the beginning stages and we are trying to raise the capital to fulfill our dreams that are from God. In other words, we would invest it in Kingdom purposes.

    P.S. Cathy G–if you are spending $200 on 500 business cards, be wary. Many of the online printing companies will do 500 for about $15 two sided color.

  184. Libby Says:

    I would pay tithes and spend the rest on a non essential such as landscapiing for my yard. Since the money was unexpected and my “essentials” are covered, I would use the money towards something I have wanted, but necessarily needed.

  185. Emont Says:

    I think I would either use the money toward Dave Ramsey’s financial peace counselor training or yoga teacher training so I could start a side career that would eventually replace my current one that’s not a good fit.

  186. Bob Badolato Says:

    I’ d use the money to subscribe to your course and Dave Ramsey’s course, and if there was any thing left over pay some medical debts for wife and I.

  187. Renee Says:

    Dear Dan:

    I would use the money to spend time with my mother. She has been the constant support in my life and has never taken a moment’s rest. She has worked hard all her life and devoted herself to me and her family, never asking for or expecting anything in return. For the past year she has provided a haven for me and my children at her own expense so I could go back to school full-time (17 to 19 units per term for the last four terms, including summer school, President’s List or and/or Honor Roll) in order to get my degree and return to the work force as soon as possible. Her dream is taking a trip and driving the backroads of the United States. Because she is helping me realize my dream of a college education, more than anything I want to make that dream of hers come true. She deserves a little pampering.

  188. Michael Says:

    At this point in time my wife and I are teaching our two teen-age children 14yrs and 15yrs how to fish instead of giving them the fish. I would divde the money between them and challenge them to a contest to see who could make the most of multiplying the money over the summer with a deadline attached. So far they have done good at buying candy bars and making profits selling in the neighborhood to raise money for basketball camp. They are very innovative and given more resources I wonder what else they could come up with.

  189. Guy Says:

    I’d respectfully decline the offer. I do not want any more debt and follow the Dave Ramsey approach. My wife and I have old student loans we’re trying to pay along with our monthly mortgage, so I do not need any further debt. The only reason I’d even consider borrowing any amount of money would be if it could make more money for future or meet an absolute need to sustain life (i.e., buy an older used car or an unforeseen health cost) which for some odd reason I could not afford currently. $1000 sounds like a lot of money, but seems to only put one further behind financially to pay back then to take it all. It would be better for one to work and save the $1000 on his/her own than to borrow it only ot have to pay it back with interest. Possibly, this dude thought you were just giving it away with no stipulations or need to pay it back? If so, let me know, I’ll give you my direct phone number… (Oh to find that money tree…) There is only One who gives freely and does not need return. That one is the Father God, Creator ex nihilo. Only He gives the free gift of salvation via His only begotten son, Jesus the Christ, the Son of the Living God as recorded in the Bible. The only return is to follow Jesus and believe He is the savior and Son of God. Jesus said his “yoke is easy, my burden is light” for those who follow him. “Seek ye first the Kingdom of God and His righteousness, and all these things will be added unto you.” May the Spirit bless this message.

  190. Lucy Says:

    If you gave me $1,000, I would reactivate my real estate sales license and use it to pay the associated fees. I could then spend my weekends generating leads, holding open houses, etc. and get back to the entertaining work I enjoy the most. After I close my first sale, I would gladly repay you; I would also pay it forward! Meanwhile, I would keep my “day job” working as a legal recovery collector where I speak with many people with that Taco Bell employee mentality. I have a great boss and also enjoy my daily ritual. Even though I’m 62, I’m not ready to sit in a rocking chair. Life is for living!

  191. Ed D Says:

    Sometimes as we get older we fail to realize that the same situations were there when we were young teenagers. There were those that would seize the chance to make a dollar helping make hay or ? while others choose life at the beach etc. The difference is that we can look back and see the path we chose to take where as a youngster we had many choices to sort out prior to our twenties.

    I’m retired but have started a hops yard to supply home brewers and someday micro brewers with hops for their product. I’m from Michigan and there are 96 micro brewers in the state needing quality hops for their product. Growing hops is labor intensive and reqires a sizeable amount of capital to start, but very rewarding when neighbors and friends start asking questions about my research into the venture.

  192. donna Says:

    i would put it in a savings account for my emergency fund.

  193. Rod Says:

    Debt, debt, debt. Pay some debt. Looking for financial freedom and a new life for my family. Bondage stinks and its ripping our country apart.

  194. Brian Blackburn Says:

    I am afraid that has been a well taught concept to the teens whose life is paid for by food stamps and or section 8 housing. They watch dad, grandpa, uncles and other family lay around working on small jobs to some drink, smoke, and if decided drugs till broke never working a full time Job. Even 3 years and more back when when a full time Job was a decision there was no reason not too. I would start to pay off small loans and med bills!! I lost my ASSets with credit cards!!

  195. Kimann25 Says:

    That would be an answer to my prayer. I actually only need $850 to start my business so I am saving as I dont want to use my emergency fund. I am a “farmer” and plan to plant my seed today so that tomorrow I can live “like no one else”. God has given me an amazing idea and I’m taking all the steps to make it come alive. Thanks for all that you do!

  196. Beth Says:

    Dan, being a single parent of a 16yr old I would put this money in either some sort of money market or savings. That kind of money is hard to come by, but he and i manage pretty well i have a pretty good job for not going to college and he is not one to ask for too much. My parents raised me to take care of myself and to not spend every dime you make but to save. So that is what i would probably do invest and hopefully add it to his college fund.

  197. Ron Says:

    With your book “No More Mondays” and inspiration from others I have started my own business called http://www.ImComfy.com. It is a solar powered fan for outdoor use, such as, sitting in hot weather (camping, sporting events…) and needing a breeze to cool off. Thank you for your books and inspiration.

    I would use the $1000 to further my business growth to be a self sustaining business. And to multiple my income while giving back to others.

    Thank you Dan

  198. Josh Says:


    If you gave me a $1000 today- I would ask you for personal coaching for $1000.

  199. Andrea Shaw Says:

    Tithe, pray, and be quick to be obedient to His direction.

  200. Andy Hynds Says:


    This could be the most boring response yet, but I would put it into my Roth IRA. I’m pretty satisfied with with I have in the bank, have no major purchases on the horizon, and find fulfillment in what I currently do for a living, but I feel like I could do more with my investments.

    Thanks for the idea!

  201. Andy Hynds Says:

    Oh my goodness, I misread the question. If it were a $1,000 *gift*, then I would put it in my Roth IRA. If it were a $1,000 *loan*, I would respectfully decline. I can’t think of anything pressing that I could turn that money into for right now, and I feel that you would make a better use out of it than I would at this point, Dan.

  202. Randy Says:

    I would use the $1,000 to fund my emergency fund, as my wife and I are currently using Dave Ramsey’s Financial Peace University to pay off our debts.

  203. Ray from Flyover country Says:

    What a great opportunity to teach a younger person, that’s all they want is a leader to grab them and say follow me. Look what the democrats have done these past 40 years, now they have the followers like this misguided soul. Pray for them there is a lot of HOPE out there look at this blog and see that, we have much more seeking GOD’s Glory and GOD’s good just keep marching toward HIM and it will be all GOOD.
    Blessings, Prosperity and Profit to you all this day.

  204. Greg Says:

    In reading through these replies, there are an AWSOME bunch of people reading and listening to you Dan. There are some great comments in these posts. As for me, I agree it depends if it’s a gift or a loan. A loan I wouldn’t accept, A gift, I could use. I’ve been really busy trying to get my business going and get people in. (Retail storefront) But there is a project at my church in 2 weeks called every1serve weekend where we are getting projects together and going out into the community to do service projects for the weekend. I think I’d use $part of the thousand to bring in a retiree friend to run the store for the day so I could participate in every1serve, and then donate the rest to the church for the service projects. It’s not that I couldn’t use the money, but I have found that you really do help yourself best by helping others first.
    Great conversation starter.

  205. Melissa Says:


    If you gave me a $1,000 today, I would donate $500 of it to one of the groups that provide Service Dogs to physically challenged individuals. A couple of months ago my father fell on the floor when he was reaching for the TV remote. He could not get up by himself & my mother cannot pick him up anymore by herself. We’re not quite sure how long he was down as Mom was in another part of the house. If he had a service dog, he probably wouldn’t have fallen in the first place, since the dog could have “handed” him the remote. If he had fallen, my Mom would have known about it sooner, since the dog would have alerted her there was a problem.

    The other $500 I would invest in buying looms & supplies to grow my business providing Weaving A Life workshops where people come together to learn more about themselves using tapestry weaving to connect to their inner wisdom in a loving, supportive atmosphere.

    Thanks for all you do!

  206. Margie Latch Says:

    I am currently preparing to transtion from my job as a secretary to a career as a children’s writer and, eventually, illustrator. If I had $1,000, I would….

    Buy a netbook, as my computer is broken beyond repair and I’m borrowing the one I’m typing on now. Also, I would get two months ahead on my car payment, thus giving me a bit of financial space, when I am able to make the leap.


  207. Dallon Christensen Says:

    This young man needs a lesson in motivation. Even though my family is debt-free except for our home, I would gladly accept that money and invest it in additional coaching to learn how to brand my new business. I am starting a business to advise entrepreneurs and small businesses how to monitor what really drives their success and plan for the future. That $1,000 would be paid forward many times to the businesses that I would help become profitable in any business climate.

  208. John Says:

    My brother-in-law was laid off in Jan 2010 and is not interested in getting a job. It has been almost 6 months now. Nashville flooded and his skills (hanging doors and windows) is needed, but he thinks he is getting one over on Uncle Sam by sitting at home and waiting on his $100 check every week after he pays child support on two kids by different mothers. Talk about aiming too low and hitting your target! He fails every day before he even opens his eyes in the morning. Pursue your passions! “Don’t be like Mike.”

  209. John Says:

    My Church gave everyone an envelope containing $10 at worship. The preacher told everyone to grow it using their passions and talents that God gave them and a date to turn the money back in. In one weekend, I bought gas for my mower, mowed a lawn and trimmed trees and turned in the $100 I made by the due date. Some fols started businesses and got extensions on the payback date to further multiply the money. I would buy a plasma cutter to make metal art for gardens and lawns to sell. That is something I have been thinking about doing.

  210. Kindra Says:

    If you gave me $1000 today, it would put me 40% towards my short-term financial goals for continuing to move my business plan forward.

    I would certainly put it to better use than taking a vacation or spending it frivolously. Every cent I have I put into investing in my future and my entrepreneurial success.

    Feel free to visit my podcast for this week to find out how close to home this topic hit (LOL): http://exclusivemultiplicity.blogspot.com/2010/06/adventures-of-emotional-rollercoaster.html

    P.S. I’ll keep an eye out in the mail for my $1000 check. 🙂

  211. Nora Says:

    First of all, why are you walking around with $1,000.00 cash, especially at Taco Bell? Carrying around all that money at a fast food establishment might come off as pretentious. And the poor young soul who perhaps has not been granted all your blessings: education, wealth, spiritual guidance, working a dead-end job probably would like a break from his payday-payday existence. Flashing your cash was just plain rude.

    Now, for the lesson, I hope you were not trying to teach this young man anything in your five minute counter-to getting your order time span, with others waiting behind you.

    Yes, we are an instant gratification society, hence, fast food establishments like Taco Bell. Perhaps, you could have given the young man your business card and offered him some free financial advice.

    Now for me, if I received $1000.00 all would go to any outstanding debt, and once all debt was eliminated then I probably would take a vacation.

  212. Dan Miller Says:

    Nora – so you, just like the young man at Taco Bell, would do nothing that would change your life 30 days from now.

  213. CL Says:

    Like so many others ahead of me, I wouldn’t take a loan, and a gift would go to pay down debt. Why? Because my progress in paying down my debts has been hard-won, and now I only have my current (rent/utilities/etc) bills and my (about $2000) credit card debt. I could charge $1000 to my card right now, if I thought it would do any good, but I don’t. I’ve lost track of how many times and how much money I’ve spent trying to make something better come about.

    I don’t know what I’ll do when my debts are finally gone. I had dreams once, but I lost them, and I no longer know what I want, which makes it that much harder to find another job. Unemployment comp is keeping me off the eviction list, but it’s hard to convince someone to hire me when I don’t even know what I really want to do. Desperation will probably throw me back to the entry-level retail/foodservice ranks when that runs out. I’ll hate it, but I’ll do it, because debt collection and eviction is worse, and I don’t really see a way out.

  214. Soapy Says:

    I would invest it in my business that I am working to grow! What a sad story that, that kid would have sat around and waited for the money to run out.

  215. Tammy Says:

    A $1,000 would be used for home repairs.

  216. Tammy Says:

    Sorry typo. What I meant to say is that a $1,000 windfall would be used for home repairs.

  217. Jennifer Says:

    You know Dave says gifts are fine, loans make Thanksgiving dinner taste different, so…

    If you gave me $1,000, I’d use what was left after tithing to guerilla market HarshmanServices.com and our seven- and eight-year-old children’s so-new-it-doesn’t-fully-exist-yet kidpreneur venture, ‘Puter Pals.

    It seems we’ve been fostering an entrepreneurial spirit in our children and didn’t really realize it. They decided they wanted to start their own business, too, and are working on it nearly every day of the week. Quite a difference between our family and that attitude that’s so common. Sorry you had to brush up against that, Dan.

  218. chris Says:

    Let’s see … so far we’ve spent about $300 on our business to teach kids sutdy skills (www.skoolskilz.com) and it looks like we’ll need about another $500 before we can launch our first semnar … so $1000 would just about cover it. And it’s fun too!

    Have you ever thought about making up a book or a PDF of ‘businesses you could start for $500 or $1000’? I must admit I never thought of shaved ice or marketing services or a lot of these other businesses. The ideas really help spark my own ideas …

  219. Dan Miller Says:

    Chris – I do have a list of 48 Low-Cost Business Ideas – many cost nothing to start. Just go to http://www.48days.net/ and look for the yellow post-it-note. It’s a free pdf.

  220. chris Says:

    Sweet! Thanks so much!

  221. Rebecca Foxworth Says:

    $1000 would go right into my savings, which was recently depleted because we waited to write a $12,500 check and pay cash for a new roof. We’d like to get it back up to a level that makes us comfortable that if something broke, like the washing machine…or if we needed to pay an insurance deductible, we wouldn’t have to talk to our Former Friend, VISA. We kinda like being “self-insured” against life’s little bumps in the road.

  222. Amy Says:

    I have been worrying about having the money for to get my kids ready to go back to school. So, I know exactly what i would do with $1000, I would buy my kids school uniforms and school supplies.

  223. Rob Kaelberer Says:

    Survive. Choosing is hard to do. Like my son’s key chain says ” I used to be indecisive, now I’m not so sure”. I like a lot of stuff. I’m just afraid of wasting time down a path that’s not my destiny. I guess as long as I supported my family while I did it. Come to think of it I’ve been doing that my whole life like a dog begging from scraps from his master’s table.

  224. rob owen Says:

    not much to say with a keyboard, slow typer. so simply put i believe in giving & do 1st give 10 % plus 5% offering to my church & give an average of 5% to those in need. it would be no different in this case. i already invest in books & other positive motivational items. e.g. robert keasoki, dave ramsey, dan miller, little things matter, etc. Oh! plus excellent preaching.(not for entertainment, but for change in myself!). Anyway the other $800.00 I would offer it to you as an oppertunity to hire you as a personal coach. I know thats not a lot of $$, but i dont know unless i would ask. right? thanks. rob owen.

  225. tammy Says:

    I will pay it forward. I will find a doner angel to match my gift only if the doner angel finds another doner angel to match his or hers and so on and so on never to stop helping and providing. the one that stops this cycle will need to commit to a weeks worth of community service Save and start this agian with one thousand dollars. For my part i would emmensely enjoy giving one thousand dollars ( knowing i have completed finding a angel matching doner) to a family i see on the street trying to sleep in a car. Anonomiously i would see that they have jobs and maybe co-op with onother family i find in the same boat. Pulling together thier resources from both familys to be able to provide rent and electicity to the home i rented anonomously for the two familys to get off the street sharing expences. Its all about second chances and gods angels that work through us.

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