A couple ideas for the boyfriend with a girlfriend wanting a loan, he might pass on info about setting up a budget. If she can get on a budget where she can fund an emergency fund, actually save money, and then make payments above the minimum monthly payment on her CC, then he would match the over payment. Match only the extra added to the minimum payment. This would be a monthly check in, He asks, "how much are you over paying this month?" "I'm paying an extra $100 on top of the $123 minimum." "OK great, write the check for $323, and I'll add $100 back into your checking account. This would show to both of them she has some self discipline, she would need to be open with her finances. This would be a 3 or 4 year plan, and a good test of her resolve to to get it paid. If she fails to keep the bargain, he may want to rethink their financial comparability. He is also not paying a $12,000 bill for someone who ends up as an ex girlfriend. He is helping but helping her to be super aggressive at getting the bill paid down.
To the first caller- Joe No, bro... if you were my best friend and you told me this, I'd say please don't. As unfortunate as it is, she didn't set boundaries with her ex, and you're not setting boundaries with her, so everyone is getting played. She can do several things. 1) Work more 2) Cut expenses 3) Transfer the debt to a 0% APY It won't be easy, but she has to deal with this herself. You can help by making dinner instead of going out to eat and planning free dates. If you start paying for all this stuff because she don't have the money, you're basically giving her $12,000 too so let her learn from this or this will become a lesson for you when she breaksup with you.
It's my first time subscribing to this channel & honestly, I have learned so much from the 2 hosts & the caller 😂😂 I mean that's some deep insight into financial analysis.
Early in my life after high school in 1977 I worked 1 full & 1 part time job. My bank account started to grow. I was able to buy a brand new car clothing, and live a little better,Etc. Friend’s took notice. I got burned loaning my then Buddy Mike $400. He needed new tires and I paid for them and I never saw him or my money again. That was the last time I loaned money. I’ve been asked a few times since my answer is cold, “I’m not a bank and I would hate to have it effect our relationship. Can you find a part time job? “
Joe from Anaheim the answer is hell no. Her ex put this money on her credit. Did she file a police report? You have only been dating her a year. Only pay for it if you are married.
She sucks. Caller says immediately into the call that he's been dating his girlfriend for a year and half. Later in the call, Jade asks " how long have you been dating?" She half a$$ pays attention to people all the time. Makes me wanna bang my head against the wall because she's more worried about "the series of baby steps, listen, some type a way, and a little bit" than actually paying attention to anything someone says. 🙄
The REAL QUESTION IS, " Joe, how you gonna feel if she says things aren't working out and bounces on your butt!?" If there are no contracts showing she actually agreed to pay it back...nope no loan. If you were married, maybe different but you're not. He said that balance was from an ex if im not mistaken, that means if they've been together 1 1/2yrs. Shes been carrying that balance for that long! BIG RED FLAG! Its like shes looking for the sucker to pay that off for her.
Re: Joe’s call. Keep it simple. The borrower is slave to the lender. Hence, I don’t loan money to anyone, ever. Set the precedent now and be firm in your principles.
I’m 52 hoping to end the rat race by 60 with above $100M. I know money is a liability to be exchanged for assets with real value like real estate (properties for rent) stocks (dividends) bonds (interest) But, what is it with bitcoin? I hear a lot about it and I'd love to diversify my portfolio.
look at the charts, bitcoin has outperformed every stock and banking product ever developed even after multiple pullbacks over the last decade. not a financial advisor but I know what i'm saying
for Robert: his concerns are real. If she is not on top of her commitments she could find herself losing her house if she misses taxes or insurance. That 2nd could take her house and the county for taxes. He is being a really good son. I say her situation is his business.
How about the elevators union. Plumbers or pipefitters union. They train you for free. Or a non union ...The association of building contractors apprenticeship program. As a pipefitter, you can learn how to run high purity piping for tool fit up at places make the chips that go in your phone, computers etc. I retired from Local 286 in Austin, Texas. My son is now a journeyman elevator mechanic in the Austin union. They pay well and have good benefits! He turns 30 today and buying his first home this month. Best wishes!!
It's not a scam the caller at 25:00 is talking about - it's AT&T data breach lol. All over national news. Like they said, just monitor. THIS time it is not a scam, but obviously there are sometimes when that happens.
Information about anyone (age, address, phone #) except for a social security # is available on lots of publicly accessed sites - and a low-cost monthly membership to Whitepages lets a subscriber see email addresses, cell phone numbers, and even the exact birthday, as well as the names of family members and associates - so she should not be surprised that her phone number is on "the dark web." Best things to do: change your passwords and freeze your credit.
Could it have been a staged call to plug another Zander product? They didn't listen to her at first and then were very dismissive, pushing her onto Zander. They spent 20 minutes with the first 2 calls which was excessive and 20 seconds with a frightened woman. It disgusted us to be honest x
It's all over the place here in Kansas. At my office my little car is the only non SUV or pickup truck in the lot. There are more F150s and Ram trucks than Heinz has pickles
Joe, I'm going to go one step further. You need to dump this chick and NOT marry her. She not only wants you to take on her debt, but it's debt her old flame racked up??? You're going to waste your hard earned money on debt some other dude is responsible for?? No thanks. Move on Joe and save yourself a NIGHTMARE.
What happens when your daughter goes off to college and decides after one semester that they don't want to go to college anymore? or they transfer to another college? You bought a house for something that is so temporary. There is no guarantee all five kids go to the same college, let alone all go to actual college.
I have experienced a loan that was transferred to another servicer, but then not removed from my credit report with "no info" for 1.5 years. Then it appeared like I owed the amount twice after the new servicer assumed it. I'm convinced that the service provider changed and it was simply not removed from her credit report.
Hi I am a mum of two married and live in London. I recently find out about baby steps and this week me and my husband put all the payments into a big spreadsheet so we both could visualise where we are and where we need to be. We both going to take extra work alternating one at home as we have to look after the children. Our income just pay for what we live at the moment plus the debt on multiple credit cards I didn’t even knew about it once I had the children I stay home for a few years but out lifestyle was the same trips and so on. I try to use every dollar to budget but because I am in UK doesn’t work for me. Any ideas of app that can help me over here? Thank you.
I’m in Europe too and we don’t have access to every dollar premium nor can we download the free one on the phone but you can download it on a computer. Only the free version and not the premium but it’s still great.
Hi hun, we're in Wales and have worked the Babysteps here by following Dave's advice and by watching Martin Lewis and a number of frugal youtubers. The app we've used for years is free for both android and apple and it's called 'Spending Tracker'. Very easy to use with lots of ways to customise, including zero based accounting that Dave advocates for. Glad to have another Brit aboard! God Bless and Keep you today, you can do it! 🇬🇧🏴💪 xx
Re: Ryan’s call. Jade misses again. Wouldn’t roll a traditional 401(k) into a Roth IRA. Dave says that Roth conversions are a baby step 7 item. Instead, should’ve advised to roll it into a traditional IRA while in Baby step 2. They’re going to get a tax bill by doing a Roth conversion that they don’t need while in baby step 2. 🤦🏼♂️
@@LillianMhanduhe's not a hater. He's just explaining what the proper thing to do is... it's also what Dave would say. If you've been a listener for any length of time, you would know that.
@@LillianMhandu I agree with the "again." That was unnecessary. However, the remainder of what the OP stated was correct. The old 401k shouldn't be rolled into a Roth IRA until BS 7 because of the tax hit. Instead, it should be rolled into an IRA. Have a lovely day.❤️❤️
This episode is one big insurance ad. 😂😂😂 If insurance was such a great investment for the consumer, insurance companies wouldn't be making such enormous profits and building stadia and skyscrapers with their names on them. 😮😮
The caller who owed on school loans she thought she consolidated had different servicers. She wasn't aware of them and doesn't check credit so when she consolidated she only gave the loan consolidation company the servicer she knew about.
The fact that this girlfriend felt free to ask her BF for a "loan" strikes me as awfully close to young women who seem to feel that if they are dating a man it is his duty to pay her rent or make her car payment or buy her groceries. NO NO NO NO NO. Do NOT do this. I can tell how old I am by the fact that when I was a young woman, I never, not even one time, asked a guy I was dating to give me money, whether it was to pay one of my bills for me or "loan" me some money. Sorry, but I do not think this is a good look for young women to want to be paid for spending time with their boyfriend. Also, when I was young we had a word for women who expected to be paid for their time, but it's rather ugly and I will not use it here. There also is the consideration that if she paid her bills, she could borrow this money from a bank. If the bank looks at her as a bad risk and does not want to loan her money, that is a clear sign that you should not do so either. And I'm not saying she is lying but you have only her word that this debt was made by an ex-boyfriend and not by her. That brings up the question of whether she filed a police report if an ex stole money from her. This whole thing just smells fishy.
The military vet quit his job just to avoid getting stuck with a needle. That’s ridiculous. As a serving member myself, I’ll say this, we are FREQUENTLY required to get vaccines when we deploy. Geez, when I joined, we lined up and had a nurse on each arm giving us got knows what kind of shots. It seems silly to take this stance just because it’s your political POV.
Moms finances aren’t children’s business until mom starts to move in a direction that’s going to end up hurting the children she leaves behind when she dies
First caller is going to pay her debt. She's gonna use s** to get what she wants, or threaten to level him. He sounds like a weak man, a simp. She's probably still sliding around with her ex. Anytime someone is still talking about their EX. Is a red flag...
Oh the Zander Insurance "Identity Theft" call was scuzzy in the extreme 😮 Ych a fi, the poor woman was terrified and you didn't listen to her - only plugged another insurance product. What on earth is happening on this show? First we've got "Doctor" JD saying if you don't have insurance you must hate your family in a clearly staged discussion with Dave and now this! We are huge fans and advocates for this show and it's teachings but you're making us feel sick when you behave like this. Please, correct this behaviour x
For some time now I noticed that Ken became very annoying on the show... interrupting other presenters and acting like they are all dumb and he knows everything best... honestly, I am now tempted to skip the episode when he is on the panel....😢
Every American can check all three credit bureaus for a free credit report once a year. Space them out and check one every four months. And virtually every bank gives a free link to the credit score any time you want to see it. (Credit cards do, too.)
Do you mean George? Ken isn't rude to her all the time. She interrupted him probably by mistake. Watch her and George and you will see who is rude. She might be intentionally showing how it feels.
Re: Caleb’s call. My understanding was gazelle intensity was in place until Step 3 is done. So, shouldn’t the advice be to “sell so much stuff that the kids think they’re next”, which would include the truck? I would sell it. Then you’re in Step 4 and saving intentionally to upgrade the $15K vehicle that you purchased with what was leftover from the sale of the dream truck. The money lost on the truck is your stupid tax. I think Ken and Jade need some remedial baby step lessons. 😂
Why do people think it's ok and even funny to talk about domestic abuse when the woman is hitting the man with an iron skillet... or anything? Domestic abuse is never acceptable or funny.
I'm finally debt free besides my house guys. I'm so happy!!!! 🎉🎉🎉
Good job!
@@katkat5420 Thank you!!!! 😊
Congratulations 🎊 👏 💐 😊 I know how it feels as of two weeks ago 😚🎉🎉🎉
@@pennybentley5125 Thank you. Congrats too you as well 💖 👏🏽 😊
Congratulations! I hope to be there in just about a year
“If it’s dream worthy it’s wait worthy”
GOLD
That first call...I would never have asked a boyfriend to loan me money, even $10, let alone $12,000! That is just awkward and gross. Yuck!!
A couple ideas for the boyfriend with a girlfriend wanting a loan, he might pass on info about setting up a budget. If she can get on a budget where she can fund an emergency fund, actually save money, and then make payments above the minimum monthly payment on her CC, then he would match the over payment. Match only the extra added to the minimum payment. This would be a monthly check in, He asks, "how much are you over paying this month?" "I'm paying an extra $100 on top of the $123 minimum." "OK great, write the check for $323, and I'll add $100 back into your checking account. This would show to both of them she has some self discipline, she would need to be open with her finances. This would be a 3 or 4 year plan, and a good test of her resolve to to get it paid. If she fails to keep the bargain, he may want to rethink their financial comparability. He is also not paying a $12,000 bill for someone who ends up as an ex girlfriend. He is helping but helping her to be super aggressive at getting the bill paid down.
If she says she can pay him back, she can make the payments!
To the first caller- Joe
No, bro... if you were my best friend and you told me this, I'd say please don't.
As unfortunate as it is, she didn't set boundaries with her ex, and you're not setting boundaries with her, so everyone is getting played. She can do several things.
1) Work more
2) Cut expenses
3) Transfer the debt to a 0% APY
It won't be easy, but she has to deal with this herself. You can help by making dinner instead of going out to eat and planning free dates. If you start paying for all this stuff because she don't have the money, you're basically giving her $12,000 too so let her learn from this or this will become a lesson for you when she breaksup with you.
Golden advice.✨️
Yes also he's paying for her ex boyfriends stuff he put on the Card and still probably has .Or it's hers and she's just saying its his 🤔😊
It's my first time subscribing to this channel & honestly, I have learned so much from the 2 hosts & the caller 😂😂 I mean that's some deep insight into financial analysis.
Early in my life after high school in 1977 I worked 1 full & 1 part time job. My bank account started to grow. I was able to buy a brand new car clothing, and live a little better,Etc. Friend’s took notice. I got burned loaning my then Buddy Mike $400. He needed new tires and I paid for them and I never saw him or my money again. That was the last time I loaned money. I’ve been asked a few times since my answer is cold, “I’m not a bank and I would hate to have it effect our relationship. Can you find a part time job? “
💯
Why cant she start the baby steps?
Thank God, you only lost $400 it could've been way more
Every time one of the hosts cracks a joke in the caller introductions it’s always followed by “ so my dad died…”
So true
Right! 😬
Joe from Anaheim the answer is hell no.
Her ex put this money on her credit. Did she file a police report?
You have only been dating her a year. Only pay for it if you are married.
Girlfriend needs to pay it off before getting married. Start clean!
Yes! Let her pay!
Agreed
He's living the simp life
Jade has become my favorite I love her honestly and straight forwardness
yes, me too!
She’s awesome!
Yes she’s great! She’s one who is good with every other personality too.
She sucks. Caller says immediately into the call that he's been dating his girlfriend for a year and half. Later in the call, Jade asks " how long have you been dating?" She half a$$ pays attention to people all the time. Makes me wanna bang my head against the wall because she's more worried about "the series of baby steps, listen, some type a way, and a little bit" than actually paying attention to anything someone says. 🙄
It's honesty, not honestly.
The REAL QUESTION IS, " Joe, how you gonna feel if she says things aren't working out and bounces on your butt!?" If there are no contracts showing she actually agreed to pay it back...nope no loan. If you were married, maybe different but you're not. He said that balance was from an ex if im not mistaken, that means if they've been together 1 1/2yrs. Shes been carrying that balance for that long! BIG RED FLAG! Its like shes looking for the sucker to pay that off for her.
Re: Joe’s call. Keep it simple. The borrower is slave to the lender. Hence, I don’t loan money to anyone, ever. Set the precedent now and be firm in your principles.
The ‘rude interruption’ kind of rubbed off on the juice flow between the hosts. No banter today 😮 but still glued😅
I noticed this too lol
100% KC is the worst about interrupting, the nerve to call someone out when they do it.
I love how Ken put Jade in her place
I think she is doing what George does to her all the time. It isn't right ken doesn't interrupt her like George!😂
Yikes I was like 😳😳😳And Jade recommended Delony’s book rather than Ken’s book even though it was a career question.
I’m 52 hoping to end the rat race by 60 with above $100M. I know money is a liability to be exchanged for assets with real value like real estate (properties for rent) stocks (dividends) bonds (interest) But, what is it with bitcoin? I hear a lot about it and I'd love to diversify my portfolio.
bitcoin does not pay any yield but will reward you with growth that you can't find in any other asset class
look at the charts, bitcoin has outperformed every stock and banking product ever developed even after multiple pullbacks over the last decade. not a financial advisor but I know what i'm saying
for Robert: his concerns are real. If she is not on top of her commitments she could find herself losing her house if she misses taxes or insurance. That 2nd could take her house and the county for taxes. He is being a really good son. I say her situation is his business.
How about the elevators union.
Plumbers or pipefitters union.
They train you for free.
Or a non union ...The association of building contractors apprenticeship program.
As a pipefitter, you can learn how to run high purity piping for tool fit up at places make the chips that go in your phone, computers etc.
I retired from Local 286 in Austin, Texas.
My son is now a journeyman elevator mechanic in the Austin union.
They pay well and have good benefits!
He turns 30 today and buying his first home this month.
Best wishes!!
Ken shutting Jade up with the military guy 🤣🤣🤣
This is right up his alley. He doesn't want her to say It before he does. Lol. These youngins are quick😅😂
My dad is 80 and he WOULD NOT let me step in and tell him what to do financially. Better get to steppin'
Joe sit down with her, and help her work out a budget
People in CT are always suspicious that someone's going to take advantage of them. Did ministry up there for 9 years. Saw it first hand! LOL
I wish they would explain more about what type of funds exactly are growth, growth and income, and aggressive growth? I get the international one
They recommend a target date fund all the time. As well as funds that copy the S&P 500.
Growth is mid-cap funds; growth and income is large-cap funds; aggressive growth is small-cap funds. Hope that helps.
It's not a scam the caller at 25:00 is talking about - it's AT&T data breach lol. All over national news. Like they said, just monitor. THIS time it is not a scam, but obviously there are sometimes when that happens.
Information about anyone (age, address, phone #) except for a social security # is available on lots of publicly accessed sites - and a low-cost monthly membership to Whitepages lets a subscriber see email addresses, cell phone numbers, and even the exact birthday, as well as the names of family members and associates - so she should not be surprised that her phone number is on "the dark web." Best things to do: change your passwords and freeze your credit.
The data breach of a company IS a scam dude.
Could it have been a staged call to plug another Zander product? They didn't listen to her at first and then were very dismissive, pushing her onto Zander. They spent 20 minutes with the first 2 calls which was excessive and 20 seconds with a frightened woman. It disgusted us to be honest x
@@kaelaleedaley And didn't give very practical responses as to what she could do.
When did people start buying $87k 1/2 ton trucks that they use as cars ?
When they felt the need to compensate for shortcomings elsewhere. This massive vehicle makes them finally feel like a man.
It's all over the place here in Kansas. At my office my little car is the only non SUV or pickup truck in the lot. There are more F150s and Ram trucks than Heinz has pickles
And they all drive like entitled lunatics😂
Chris, tugboats, state docks, many jobs on the water, be encouraged
Joe, I'm going to go one step further. You need to dump this chick and NOT marry her. She not only wants you to take on her debt, but it's debt her old flame racked up??? You're going to waste your hard earned money on debt some other dude is responsible for?? No thanks. Move on Joe and save yourself a NIGHTMARE.
Had fun with a bad boy, now she has found a nice schmuck to pay for it. Tale as old as time.
Yes, I agree. ☝️
What happens when your daughter goes off to college and decides after one semester that they don't want to go to college anymore? or they transfer to another college? You bought a house for something that is so temporary. There is no guarantee all five kids go to the same college, let alone all go to actual college.
for Dawn... long term care policy is a good idea.
I have experienced a loan that was transferred to another servicer, but then not removed from my credit report with "no info" for 1.5 years. Then it appeared like I owed the amount twice after the new servicer assumed it. I'm convinced that the service provider changed and it was simply not removed from her credit report.
Hi I am a mum of two married and live in London. I recently find out about baby steps and this week me and my husband put all the payments into a big spreadsheet so we both could visualise where we are and where we need to be. We both going to take extra work alternating one at home as we have to look after the children. Our income just pay for what we live at the moment plus the debt on multiple credit cards I didn’t even knew about it once I had the children I stay home for a few years but out lifestyle was the same trips and so on. I try to use every dollar to budget but because I am in UK doesn’t work for me. Any ideas of app that can help me over here?
Thank you.
I’m in Europe too and we don’t have access to every dollar premium nor can we download the free one on the phone but you can download it on a computer. Only the free version and not the premium but it’s still great.
Hi hun, we're in Wales and have worked the Babysteps here by following Dave's advice and by watching Martin Lewis and a number of frugal youtubers. The app we've used for years is free for both android and apple and it's called 'Spending Tracker'. Very easy to use with lots of ways to customise, including zero based accounting that Dave advocates for. Glad to have another Brit aboard! God Bless and Keep you today, you can do it! 🇬🇧🏴💪 xx
I tried several budgeting app and ‘Money Pro’ is the best one I found. I’m using this app over 10 years.
I tried several budgeting app and ‘Money Pro’ is the best alternative that I found. I’ve been using this app over 10 years.
Coastguard guy please go into Aviation Maintenance!!
Re: Ryan’s call. Jade misses again. Wouldn’t roll a traditional 401(k) into a Roth IRA. Dave says that Roth conversions are a baby step 7 item. Instead, should’ve advised to roll it into a traditional IRA while in Baby step 2. They’re going to get a tax bill by doing a Roth conversion that they don’t need while in baby step 2. 🤦🏼♂️
She's giving her opinion if u are so Good why Ramsey is not hiring you hater
@@LillianMhanduhe's not a hater. He's just explaining what the proper thing to do is... it's also what Dave would say. If you've been a listener for any length of time, you would know that.
@@bettedavis9261 oh Rubbish the fact this hater said Again simply means he's more focused on her mistakes
@@LillianMhandu I agree with the "again." That was unnecessary. However, the remainder of what the OP stated was correct. The old 401k shouldn't be rolled into a Roth IRA until BS 7 because of the tax hit. Instead, it should be rolled into an IRA. Have a lovely day.❤️❤️
@@LillianMhandujust because Jade is your favorite doesn’t mean the comment isn’t accurate
Did Ken put Jade in her place? I feel like she tries to take over the show at times.
And George doesn't? This is a young person thing. Trying to make names for themselves. George interrupts her every show.
Note, youth is wasted on the young
@@dollz2030 I believe Ken and Jade are both in their forties. Not much of an age difference.
The coast guard boat driver should look into DNR.
Why cant he reenlist? Didnt the military allow non vaccinated soldiers to return to active duty?
This episode is one big insurance ad. 😂😂😂 If insurance was such a great investment for the consumer, insurance companies wouldn't be making such enormous profits and building stadia and skyscrapers with their names on them. 😮😮
How can someone be "tight" with money and also be in debt?
Are common-law rights that much different in the US than in Canada?
16:31 Lol , I know Jade didn’t like when Ken basically told her to shut up. It was a hard watch
The caller who owed on school loans she thought she consolidated had different servicers. She wasn't aware of them and doesn't check credit so when she consolidated she only gave the loan consolidation company the servicer she knew about.
I took out student loans. I don't have any records. But they are paid off😮
She needs to clean up her own mess❤
Ken was spicy on this episode..... lol
Ken’s always “spicy”! lol! That’s what I like about him.
Who's dream car is a lifted ram
The fact that this girlfriend felt free to ask her BF for a "loan" strikes me as awfully close to young women who seem to feel that if they are dating a man it is his duty to pay her rent or make her car payment or buy her groceries. NO NO NO NO NO. Do NOT do this. I can tell how old I am by the fact that when I was a young woman, I never, not even one time, asked a guy I was dating to give me money, whether it was to pay one of my bills for me or "loan" me some money.
Sorry, but I do not think this is a good look for young women to want to be paid for spending time with their boyfriend. Also, when I was young we had a word for women who expected to be paid for their time, but it's rather ugly and I will not use it here. There also is the consideration that if she paid her bills, she could borrow this money from a bank. If the bank looks at her as a bad risk and does not want to loan her money, that is a clear sign that you should not do so either. And I'm not saying she is lying but you have only her word that this debt was made by an ex-boyfriend and not by her. That brings up the question of whether she filed a police report if an ex stole money from her. This whole thing just smells fishy.
UA-cam is blocking me from watching youe show on line. Rebooted the computer, tried over & over.
The military vet quit his job just to avoid getting stuck with a needle. That’s ridiculous. As a serving member myself, I’ll say this, we are FREQUENTLY required to get vaccines when we deploy. Geez, when I joined, we lined up and had a nurse on each arm giving us got knows what kind of shots. It seems silly to take this stance just because it’s your political POV.
Moms finances aren’t children’s business until mom starts to move in a direction that’s going to end up hurting the children she leaves behind when she dies
Funny that both Ken and Rachel pronounce "asterisk" as "asteRICK."
Yet they always say the word "risk" perfectly.
Chris get into underground construction you just have to work hard no experience needed and you'll make a lot of money
Second caller try trucking
Holy smokes Ken is so sassy on this episode 😳
Jade only gives John's book....awkward. ; )
Lmao I said the same thing "idk what I wanna do for WORK"
"Let's give you the therapist's book while sitting next to the jobs guy" 😂
@@YouMissedBro ouch !
First caller is going to pay her debt. She's gonna use s** to get what she wants, or threaten to level him. He sounds like a weak man, a simp. She's probably still sliding around with her ex. Anytime someone is still talking about their EX. Is a red flag...
Ouch man I swear I’m not that bad 😂 and no I’m not paying her debt. Nothing goes further until she fixes that. And yes, I’m the first caller.
8:41 "We, we" (oui, oui). No, Jade, that's what Chris Hogan would say. Dave borrowed it from him.
I miss "The Voice." His chemistry with Dave was second to none.
Gosh I miss Chris Hogan xx
@@myoldvhstapes if I remember correctly, Dave said Chris could read the phone book and make it sound interesting.
I’ve been on the dark web for years.
Wow Ken was so rude to Jade when he like held up his finger to her to keep her from talking 😒
It wasn't her time to interject. She needs to learn not to interrupt.
What she added wasn't even meaningful. Oh, he's a quick study she believes. Ken was asking what the caller felt. Not what Jade believed.
She tried interrupting him and he shut it down😂
Jade needs to be put in her place by a real man 😅
Oh the Zander Insurance "Identity Theft" call was scuzzy in the extreme 😮 Ych a fi, the poor woman was terrified and you didn't listen to her - only plugged another insurance product. What on earth is happening on this show? First we've got "Doctor" JD saying if you don't have insurance you must hate your family in a clearly staged discussion with Dave and now this! We are huge fans and advocates for this show and it's teachings but you're making us feel sick when you behave like this. Please, correct this behaviour x
For some time now I noticed that Ken became very annoying on the show... interrupting other presenters and acting like they are all dumb and he knows everything best... honestly, I am now tempted to skip the episode when he is on the panel....😢
If she can pay 12k to me pay them instead
It so weird that there is no free consumer or govt initiative to keep track of your credit score for free in the USA.
Well if you follow Ramsey you shouldn’t be worried about your credit score.
Every American can check all three credit bureaus for a free credit report once a year. Space them out and check one every four months. And virtually every bank gives a free link to the credit score any time you want to see it. (Credit cards do, too.)
Uh, yeah there is.
Jade been wearing baggy clothes lately is she hiding something 😮
Ken was rude and disrespectful to Jade during the second call.
No, he just knows how Jade tries to take over the calls. She interrupted him while he was working thru the call.
Ken is often rude and disrespect toward Jade.
@lisahalim1554 Ken would have never spoken to Dave or Rachel like that, so he was rude.
he absolutely was not. he just asked the dude a question and jade interrupted wanting to ask another question without letting the caller answer
Do you mean George? Ken isn't rude to her all the time. She interrupted him probably by mistake. Watch her and George and you will see who is rude. She might be intentionally showing how it feels.
Old people fall for scams way to easy
Joe is gonna pay her ex's debt. Lol.
For real
Ugh, that was what I was thinking too.
Simps be simpin
Jarrad is going to blow all that money building a house unfortunately
haha told Jade to can it 16:25
Jade 🎉
The only one that should be calling him Kenneth is his mother. Would she say David Ramsay? Not bloody likely
Ken is such a smarmy punch face
Re: Caleb’s call. My understanding was gazelle intensity was in place until Step 3 is done. So, shouldn’t the advice be to “sell so much stuff that the kids think they’re next”, which would include the truck? I would sell it. Then you’re in Step 4 and saving intentionally to upgrade the $15K vehicle that you purchased with what was leftover from the sale of the dream truck. The money lost on the truck is your stupid tax. I think Ken and Jade need some remedial baby step lessons. 😂
Why do people think it's ok and even funny to talk about domestic abuse when the woman is hitting the man with an iron skillet... or anything? Domestic abuse is never acceptable or funny.
It was a joke. Your skin is like paper. Poor thing.
Rob needs to back off
What is it with all this Spam and fake messages on UA-cam chats?
First! 🥇🏆
First
Sorry, I beat you to it. You are second
1:11:00 "it's only $204 a year!" To some people that's significant
First! 🥇🏆