Dave!! PLEASE BRING BACK, “Where Debt is Dumb, Cash is King, and the PAID OFF Home Mortgage has taken the place of the BMW as the STATUS SYMBOL OF CHOICE!”-Dave Ramsey. That is what motivated ME to get out of debt including my house!! There was so much power in that statement!!❤ The music is still so powerful but bring back the statement!
My wife and combined everything when we got married 41 years ago, and we've met every goal we wanted - retirement savings, no debt, paid-off house, etc. Dave is absolutely right!!
My parents did not combine income and they met every goal. They died debt free. They both had separate businesses which had no debt. There were no arguments about money. They knew how much each had. Dad paid for all the expenses of the children. They were born in the 1920s. All their children does the same.
This is my favorite combo of hosts. Dave is always great and Dave Jr. has come a long way since being an intern. Seriously though, George has really become great at this stuff and brings the younger generation into the audience. He brings a lot of entertainment value to the table and his other content is also great. Millionaires in Cars Getting Coffee is one of my favorite shows. Good job George!
Been using every dollar since January 2024 and I'm addicted, love being able to truly see all I'm spending, where my money goes and needs to go or shouldn't go. THANK YOU!!
I had initially planned to retire at 62, work part-time, and save money, but the impact of high prices on various goods and services has significantly disrupted my retirement plan. I'm worried about whether those who experienced the 2008 financial crisis had it easier than I currently am. The volatility of the stock market is a concern as my income has decreased, and I fear that I won't be able to contribute as much as before, potentially jeopardizing my retirement savings.
The increasing prices have impacted my plan to retire at 62, work part-time, and save for the future. I'm concerned about whether those who navigated the 2008 financial crisis had an easier time than I am currently experiencing. The combination of stock market volatility and a decrease in income is causing anxiety about whether I'll have sufficient funds for retirement.
This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than two years, and I've made over $800,000.
Leticia Zavala Perkins, a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.
Dave- I work in HR and the W4 form changed in 2019. You can no longer claim a number of withholdings. It’s now a dollar amount. The form is totally different. There’s a pretty good calculator on the IRS website, believe it or not
I’ve gotta say George is my favorite radio personality besides Dave. His shade gets me every time!!! 😂😂😂😂😂😂😂 I could absolutely see him being the kid in my high school class that was quiet, did what he needed to do, but would say some wild sh*t every once in a while 😂😂😂😂
Women who don't know where their family is financially need to ask for their credit reports and go to the bank and ask for print-outs of any joint accounts as a first step.
FTX type scams happens with scammers using US dollars also. The problem wasn’t bitcoin, the problem is people trusting scammers. Dave has great advice on investing and getting out of debt. His understanding of bitcoin, and the lack there of, is sad.
First caller has combined income of $200.000 with new husband and they have only $10,000 in savings and debts? What are the ages of the kids? Serious deep financial waters ahead if they are in their mid 40s and don't get everything cleared up BEFORE buying a house. Now is not the time for them to buy a house!
1:16:00 what I took from Kyle in Wisconsin's call was no matter where he and his wife live, they will have limited time with each other due to their work schedules. Because she works first shift and he works second shift, they could live five minutes from work and still not see each other very much.
To the last lady that was having problems with her daughter’s jaw. I would file an appeal with the insurance company immediately and also ask your doctor to look up if there are separate ICD-10 codes for the cosmetic and medical form of the procedure when submitting the prior authorization.
That is very very important information on the Tradit IRA conversion to Roth (at 1:05ish), which I have not heard the other personalities mention when they talk about backdoor Roth conversion- there are significant taxes if you have a regular pre-tax SEP or Traditional IRA and then convert some money to Roth- taxes have to be paid on the money beyond what is put in that backdoor Roth, apparently -- which can be significant and it is not so great... thanks Dave for finally pointing this out and discussing when to do this! No one likes a surprise tax bill.
my sisters small business was broken into and the next day she went and got a loan restock the shelves set up a camera and opened up her business immediately she is such a trooper its been 15 years since and she did not look back
A good age to start a "Kiddy Roth" is age 3. After 3, start as soon as reasonably possible. A great place to learn is from any of the major investment companies. Once you start working, always max out the 401k contributions required to obtain the companies maximum contributions. After maxing out the company contribution to the 401k and the Roth, then fill up the Roth and IRA as allowed by the company and the IRS.
Its funny how people like to say, "I work for The Government" when asked what they do. Its like they want to sound important. In reality, all tax payers work for The Government 😂
For Deb in San Antonio, if your daughter’s condition affects breathing and sleep in some way, … medical insurance may be more willing to cover it. Just a thought. I’m a dental hygienist.
Regarding crypto exchanges, I subscribe to treating them like a public toilet. Do your business then get the hell out of there as fast as you can. If your going to risk your money, don't hold your money on an exchange. This goes for regulated exchanges like coinbase too, they don't need to be dishonest to get hacked.
@@Nigriff what logic is that? I just said don't hold your funds on an exchange... Aka transfer crypto to your own wallet while holding. If/when you sell send your crypto, sell it, then take your cash out.
I've spent nights crying and explaining to my husband I'm scared of our financial situation. We spent 20K in car payments and auto insurance and 24K on mortgage. He isn't interested in counseling any form. Recently, he proclaimed that if we got in financial trouble (as if we aren't), God and his Dad will help. This is why Dave said 1 working on behalf of 2 able bodied people is near impossible.
I’m an advocate of combining finances, but not in this situation. Safety and security are clearly important to you and it makes me sad he’s not hearing you.
When someone is so controlling with money they are probably hiding something. You need to “surprise” him and do some investigating. There is paperwork around your house you can use to find out where you bank and what kind of accounts you have. Even just checking the mail to intercept what’s coming to the house. I am a SAHM and I do all the budgeting. My husband just makes the money. He is pretty hands-off, but if he ever wanted to know specific details he knows where I keep my budget spreadsheet. We have joint accounts except he has one that’s just in his name and I have one just in my name, but all the incoming money goes to the joint account and then I parse out the money to different accounts. I keep mine for the money that we decided would be our discretionary spending so if we need to get each other gifts and things like that then we can and he has his account for the same thing. He also has access to our tax returns, so we know exactly what our annual household income is besides the direct deposits from his job. We also have the passwords to each other’s phones. One thing we need to get better at is running our annual credit report. That way we know we didn’t get hacked and to make sure each person is not hiding debt. Those reports should be saved to where you both have access to. I’m sorry you are in that situation, but you need to really think through what you can do to get answers. That momma bear protection instinct needs to come out FOR YOURSELF. I am SUPER FIESTY and there is NO WAY IN HECK my husband would brush me off if I had questions. A full-blown HUGE argument would ensue bc that is COMPLETE BS that “God and Dad” would provide. Can you imagine if the shoe was on the other foot???? He would not take that as an answer. In that situation I would make him give me the website and password for every account right in that moment. No “later.” RIGHT NOW. I respect my husband 100% and he leads our home, but keeping your spouse purposefully out of knowing your financial situation is not leadership. That’s control.
What if, say some thing gets changed as a go around for the credit score , to try and keep people in the keep net so to speak ???????????????????????????
First call ends with the hosts making fun of people telling women not to combine income with their husbands to protect themselves. The second call is a woman who’s husband has full financial controls and throws temper tantrums when she tries to ask him about their money situation. Even the host says “you’re using language that sounds like this might be an abusive situation”. I’m not arguing against what the data says about combining finances, but wow that one two punch is kind of enlightening.
It's a 2-hour long show why don't you post a or multiple timestamps involving what you're talking about so that way someone can respond with a competent response or answer please
A good age to start a "Kiddy Roth" is age 3. After 3, start as soon as reasonably possible. A great place to learn is from any of the major investment companies. Once you start working, always max out the 401k contributions required to obtain the companies maximum contributions. After maxing out the company contribution to the 401k and the Roth, then fill up the Roth and IRA as allowed by the company and the IRS.
@BlueboyBrandon Im so sorry. We have an option to go South Korea if any major health issues comes up in future. Many of my friends went to Mexico for dental. Just routine check up etc we pay out of pocket and its still cheaper to pay useless health insurance here. Sad.
Last caller, buy a plane ticket to Argentina and get all the diagnostic testing redone. Get third, fourth and fifth opinions. You could literally do all that, have the surgery, live there an entire year and still not spend $65k. Our medical system is nauseating.
Income went up 3x and net worth went up over 20x after becomin single and is still growing. Marriage and family have always pulled me under. It was the worst mistake I ever made. No one should get married without a pre nup. I like being single and being free to do whatever IIwant. Being single frees me up to accomplish more and I am able to sleep better at night. Freedom is what I value more in life. Everyone is differnt.
Dave seems to think everyone can be laid off this morning and have that magical job by lunch time with 20% pay increase. I've learned that the E-Fund and being debt freeis invaluable because jobs that pay anything are commonly 3 months or more away. I think I've only known one person amongst family and friends where the next job was less than 2 months away, and many folks spend 4 months looking.
So Dave says the lack of regulation on bitcoin causes lots of trouble...what about all the regulation on the stock market. Doesn't stop politicians from insider trading. Right Dave?
Bitcoin is now Regulated - 11 ETFs available to any grandma to make exponential wealth. Dave needs to spend 10 hours learning rather than all his time fighting
Wealthy boomers have too much ego to learn. Buffet and Munger were 15 yrs late to Apple and now that is BH. Only chance for a boomer is if they’re broke enough to learn out of desperation. Everyone buys bitcoin at the price they deserve…
@@PokeKon91 I dont buy bitcoin, i dont understand it, only difference is I dont talk crap about it all the time like Dave does when its proven to be very successful.
Eric in Chicago - I hope this marriage really is for keeps because Illinois is the worst state in the union to get a divorce. You will pay maintenance (otherwise known as alimony) the rest of your life, not just for a limited number of years. So, if things start heading south in the marriage, be sure you get your wife to move to another state first! Secondly, it is important to change names on the deeds, regardless of Dave's position that it is not. Assets pass to joint owners which means you would not have to go through Probate if there is a death - and Probate can be lengthy and costly. Put all assets in both your names, including any real estate.
@karinshuler7108 I agree. There's whole families living on just a 80k income.....lady needs a reality check for just two years and then she will be so free 😮 she could probably pay it in 1.5 years if she really wanted to and have a down payment in another 6 months after that. Living on 80k
Objectively, crypto as an idea is not stupid. Like any early stage idea, it is more speculative, volatile and susceptible to exploitation because it represents change. I don’t even invest in it, but to say it’s stupid is premature in my opinion, even if SBF stole a bunch of money. So did Alan Stanford, Bernie Madoff and every other crook on American Greed.
And yet another Bitcoin supporter who has yet to show proof of this claim. Nobody gives a crap if you're bragging about something if you can't show proof that it's real. With real facts from trustworthy sources.
Bozo fi true. Lady u need fi fight fi u right. Di man nuh respect u. A hope counseling can fix it. Next ting u hear seh u inna more debt than u think. Insist.
Sam Bankman Fried should've got alot more time, but because his Democrat buddies dropping some charges he got a light sentence compared to Bernie Madoff
You are 100% MISINFORMED about crypto and FTX. What SBF did has been happening in stock markets and brokerage firms FOREVER. Very disingenuous on your part. Over leveraging with investrr finds is fraud....NOT "crypto is fake".
And yet again another Bitcoin supporter who has yet to post proof of his actual earnings are winnings so lie to me without calling yourself a liar then
Only reason Boomer Dave hates crypto is because he missed out. Enjoy your commercial real estate crash, Dave. Maybe that's why your so desperate shilling life insurance policies and crappy phone apps.
@@OopThereItIs77777It's a private company, how do you know that? You either work for him or are one of his sheep followers who believes everything he claims. Either way it's pathetic.
And you are yet another cryptocurrency supporter who claims or eludes to the possibility that he or she has invested in cryptocurrency and is actually made money show me proof of your sales show me actual cold hard facts instead of your idiotic opinion
Dave!! PLEASE BRING BACK, “Where Debt is Dumb, Cash is King, and the PAID OFF Home Mortgage has taken the place of the BMW as the STATUS SYMBOL OF CHOICE!”-Dave Ramsey. That is what motivated ME to get out of debt including my house!! There was so much power in that statement!!❤ The music is still so powerful but bring back the statement!
Seriously! The new opener is corny
Has taken the place* duh get it right
He addressed this last year, as a company they decided to change it up and might say it again or a new version in the future sometimes.
They have changed it. It was time. Change happens. It’s okay
Do you comment this on every single video?
My wife and combined everything when we got married 41 years ago, and we've met every goal we wanted - retirement savings, no debt, paid-off house, etc. Dave is absolutely right!!
Good for you - but that took discipline as well as combining incomes.
My parents did not combine income and they met every goal. They died debt free. They both had separate businesses which had no debt.
There were no arguments about money. They knew how much each had. Dad paid for all the expenses of the children.
They were born in the 1920s.
All their children does the same.
This is my favorite combo of hosts. Dave is always great and Dave Jr. has come a long way since being an intern. Seriously though, George has really become great at this stuff and brings the younger generation into the audience. He brings a lot of entertainment value to the table and his other content is also great. Millionaires in Cars Getting Coffee is one of my favorite shows. Good job George!
Been using every dollar since January 2024 and I'm addicted, love being able to truly see all I'm spending, where my money goes and needs to go or shouldn't go. THANK YOU!!
Me, too - I love that budgeting tool.
Hey! Keep speaking the Word on this show!! 😊❤ In Isaiah God says His Word NEVER returns void 😊
George is my fav co-host. So witty 😅
Snark and The Shark
He’s best as the main host along with Rachel
I like him better on his own show than this show.
my fave combo:
1. rachel+dave
2. ken+dave
3. george+dave
I had initially planned to retire at 62, work part-time, and save money, but the impact of high prices on various goods and services has significantly disrupted my retirement plan. I'm worried about whether those who experienced the 2008 financial crisis had it easier than I currently am. The volatility of the stock market is a concern as my income has decreased, and I fear that I won't be able to contribute as much as before, potentially jeopardizing my retirement savings.
The increasing prices have impacted my plan to retire at 62, work part-time, and save for the future. I'm concerned about whether those who navigated the 2008 financial crisis had an easier time than I am currently experiencing. The combination of stock market volatility and a decrease in income is causing anxiety about whether I'll have sufficient funds for retirement.
This is precisely why I like having a portfolio coach guide my day-to-day market decisions: with their extensive knowledge of going long and short at the same time, using risk for its asymmetrical upside and laying it off as a hedge against the inevitable downward turns, their skillset makes it nearly impossible for them to underperform. I've been utilizing a portfolio coach for more than two years, and I've made over $800,000.
Mind if I ask you to recommend this particular coach to you using their service?
Leticia Zavala Perkins, a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.
Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.
Dave- I work in HR and the W4 form changed in 2019. You can no longer claim a number of withholdings. It’s now a dollar amount. The form is totally different. There’s a pretty good calculator on the IRS website, believe it or not
Papa Dave's advice is always the best and solid advice. ☝🏻☝🏻☝🏻
George and Dave are the best duo...
Snark Tank
Best Duo George and Dave so fun to watch 🎉
Snark and The Shark
I’ve gotta say George is my favorite radio personality besides Dave. His shade gets me every time!!! 😂😂😂😂😂😂😂 I could absolutely see him being the kid in my high school class that was quiet, did what he needed to do, but would say some wild sh*t every once in a while 😂😂😂😂
Women who don't know where their family is financially need to ask for their credit reports and go to the bank and ask for print-outs of any joint accounts as a first step.
I would say that applies to people across the board
I would advise her to see a lawyer
Thanks!
FTX type scams happens with scammers using US dollars also. The problem wasn’t bitcoin, the problem is people trusting scammers.
Dave has great advice on investing and getting out of debt. His understanding of bitcoin, and the lack there of, is sad.
First caller has combined income of $200.000 with new husband and they have only $10,000 in savings and debts? What are the ages of the kids? Serious deep financial waters ahead if they are in their mid 40s and don't get everything cleared up BEFORE buying a house. Now is not the time for them to buy a house!
It could be their first year earning that much?
Kids were 17 and 20.
Kids out of house soon = condo
1:16:00 what I took from Kyle in Wisconsin's call was no matter where he and his wife live, they will have limited time with each other due to their work schedules. Because she works first shift and he works second shift, they could live five minutes from work and still not see each other very much.
My favorite duo!
Snark Tank
George and Dave 🙏🔥🔥‼️
Snark and The Shark
To the last lady that was having problems with her daughter’s jaw. I would file an appeal with the insurance company immediately and also ask your doctor to look up if there are separate ICD-10 codes for the cosmetic and medical form of the procedure when submitting the prior authorization.
The procedure would be the CPT code, ICD-10CM codes are for the diagnosis. Unfortunately, there isn't a difference for this procedures CPT code. 😞
Appeal Appeal Appeal.
I just love papa Dave. George is so fun… loved it
That is very very important information on the Tradit IRA conversion to Roth (at 1:05ish), which I have not heard the other personalities mention when they talk about backdoor Roth conversion- there are significant taxes if you have a regular pre-tax SEP or Traditional IRA and then convert some money to Roth- taxes have to be paid on the money beyond what is put in that backdoor Roth, apparently -- which can be significant and it is not so great... thanks Dave for finally pointing this out and discussing when to do this! No one likes a surprise tax bill.
my sisters small business was broken into and the next day she went and got a loan restock the shelves set up a camera and opened up her business immediately she is such a trooper its been 15 years since and she did not look back
love this episode
A good age to start a "Kiddy Roth" is age 3. After 3, start as soon as reasonably possible. A great place to learn is from any of the major investment companies. Once you start working, always max out the 401k contributions required to obtain the companies maximum contributions. After maxing out the company contribution to the 401k and the Roth, then fill up the Roth and IRA as allowed by the company and the IRS.
Yes my mother read to me a lot and I was independently reading by age 4. I'm now a nationally-published writer.
Her behavior screams toxic relationship. At the very least controlling. I pray you guys can work together as a team. ♥️✊ proud of you
Its funny how people like to say, "I work for The Government" when asked what they do. Its like they want to sound important. In reality, all tax payers work for The Government 😂
Dave!!! I love the slogan, “Debt is still dumb, hope is still real.” for your next Yeti or t-shirt!
Love you so much Dave Ramsey!! ❤
On the car insurance question - what if the value of the car is low? for example $2,500 value?? Would you still keep collision?
For Deb in San Antonio, if your daughter’s condition affects breathing and sleep in some way, … medical insurance may be more willing to cover it. Just a thought. I’m a dental hygienist.
Thank you,
What do you have to pay a smart vestor pro? Based on a percentage or… been curious about that like Jeanette who called in.
Dave sounded just like Cheech and Chong during the bitcoin discussion.
Regarding crypto exchanges, I subscribe to treating them like a public toilet. Do your business then get the hell out of there as fast as you can. If your going to risk your money, don't hold your money on an exchange. This goes for regulated exchanges like coinbase too, they don't need to be dishonest to get hacked.
They close up shop and that money is gone a la FTX. Keep spreading the good word
Let's not act like these issues are not the same issues that occurred in traditional banking.
Bitcoin is up 160% over 12 months and 1600% over 5 years. Your logic fails.
@@Nigriff what logic is that? I just said don't hold your funds on an exchange... Aka transfer crypto to your own wallet while holding. If/when you sell send your crypto, sell it, then take your cash out.
The life insurance ad is cheesy 🧀
Fear selling
Ive been listening diligently to the show for about 5 years, and this might be the funniest episode ever.🤣 Best duo on the show.😂👏👏👏
I've spent nights crying and explaining to my husband I'm scared of our financial situation. We spent 20K in car payments and auto insurance and 24K on mortgage.
He isn't interested in counseling any form. Recently, he proclaimed that if we got in financial trouble (as if we aren't), God and his Dad will help. This is why Dave said 1 working on behalf of 2 able bodied people is near impossible.
You take additional job
Hide all your bonus, increment and put it in savings/ investment
Stop going to restaurant n vacation with him unless he sit down for counselling
Same boat till I spent 10+ hours researching Bitcoin 5 yrs ago.
Over 14k hrs now.
UA-cam and twitter better than Google for research
I’m an advocate of combining finances, but not in this situation. Safety and security are clearly important to you and it makes me sad he’s not hearing you.
When someone is so controlling with money they are probably hiding something. You need to “surprise” him and do some investigating. There is paperwork around your house you can use to find out where you bank and what kind of accounts you have. Even just checking the mail to intercept what’s coming to the house. I am a SAHM and I do all the budgeting. My husband just makes the money. He is pretty hands-off, but if he ever wanted to know specific details he knows where I keep my budget spreadsheet. We have joint accounts except he has one that’s just in his name and I have one just in my name, but all the incoming money goes to the joint account and then I parse out the money to different accounts. I keep mine for the money that we decided would be our discretionary spending so if we need to get each other gifts and things like that then we can and he has his account for the same thing. He also has access to our tax returns, so we know exactly what our annual household income is besides the direct deposits from his job. We also have the passwords to each other’s phones. One thing we need to get better at is running our annual credit report. That way we know we didn’t get hacked and to make sure each person is not hiding debt. Those reports should be saved to where you both have access to. I’m sorry you are in that situation, but you need to really think through what you can do to get answers. That momma bear protection instinct needs to come out FOR YOURSELF. I am SUPER FIESTY and there is NO WAY IN HECK my husband would brush me off if I had questions. A full-blown HUGE argument would ensue bc that is COMPLETE BS that “God and Dad” would provide. Can you imagine if the shoe was on the other foot???? He would not take that as an answer. In that situation I would make him give me the website and password for every account right in that moment. No “later.” RIGHT NOW. I respect my husband 100% and he leads our home, but keeping your spouse purposefully out of knowing your financial situation is not leadership. That’s control.
What if, say some thing gets changed as a go around for the credit score , to try and keep people in the keep net so to speak
???????????????????????????
First call ends with the hosts making fun of people telling women not to combine income with their husbands to protect themselves. The second call is a woman who’s husband has full financial controls and throws temper tantrums when she tries to ask him about their money situation. Even the host says “you’re using language that sounds like this might be an abusive situation”. I’m not arguing against what the data says about combining finances, but wow that one two punch is kind of enlightening.
This woman thinks you can buy a home in Charlotte for 200k still. 😂 Bless your heart. You can't get a mill house for 200k anymore.
Dang I was so lost on the tax and roth advise
I need to get educated on these topics
It's a 2-hour long show why don't you post a or multiple timestamps involving what you're talking about so that way someone can respond with a competent response or answer please
You need to get educated on spelling. It's advice not advise.
A good age to start a "Kiddy Roth" is age 3. After 3, start as soon as reasonably possible. A great place to learn is from any of the major investment companies. Once you start working, always max out the 401k contributions required to obtain the companies maximum contributions. After maxing out the company contribution to the 401k and the Roth, then fill up the Roth and IRA as allowed by the company and the IRS.
Some people never figure out that it’s all sales!Good and bad.Some is conflict of interest.
If you have no credit history how can you finance a mortgage?
Manual Underwriting
Jeez $65k medical bill? I will definitely search for other Docs in different country too.
@BlueboyBrandon Im so sorry. We have an option to go South Korea if any major health issues comes up in future. Many of my friends went to Mexico for dental. Just routine check up etc we pay out of pocket and its still cheaper to pay useless health insurance here. Sad.
Last caller, buy a plane ticket to Argentina and get all the diagnostic testing redone. Get third, fourth and fifth opinions. You could literally do all that, have the surgery, live there an entire year and still not spend $65k. Our medical system is nauseating.
Agreed - not spending my money just because doctor is nice /
Cant Download the apps every dollars in Canada 😔😔😔
Sir how much do you earn in Canada? Plz reply. Thanks a lot.
How come Sam Brinkman "Fraud" hasn't caught on? It needs to.
Gotta love corporate greed. Healthcare is the US is a joke unless you work for the government.
Medical grants ???
Agreed with more than one medical opinion
I see credit system as the biggest scam or 1 of of current modern times 👍
Too much interrupting Dave. Please let the callers complete their sentences without cutting them off.
George!
Income went up 3x and net worth went up over 20x after becomin single and is still growing. Marriage and family have always pulled me under. It was the worst mistake I ever made. No one should get married without a pre nup. I like being single and being free to do whatever IIwant. Being single frees me up to accomplish more and I am able to sleep better at night. Freedom is what I value more in life. Everyone is differnt.
Wow. Clearly you married the wrong person. Glad you’re happy now.
Dave seems to think everyone can be laid off this morning and have that magical job by lunch time with 20% pay increase. I've learned that the E-Fund and being debt freeis invaluable because jobs that pay anything are commonly 3 months or more away. I think I've only known one person amongst family and friends where the next job was less than 2 months away, and many folks spend 4 months looking.
"Behind every great fortune lies a great crime."
Don't fully believe that, but LOVE the expression 😂
What is Dave's crime? What is Warren Buffet's crime?
8:19
The quickest way to wealth is to do what Dave did. Be born to wealthy parents.
Robert Kiyosaki says Davey Ramsey is a chump when it comes to bitcoin.
13:54 he must be hiding something
HOLY COW 160K in STUDENT LOANS !!
All anyone has to do is compare Bitcoin against ANY asset in any 4 yr span…
The only thing that proves is that no asset has ever performed well.
@@amireallythatgrumpy6508 did u even look up a chart? It’s right there - check ANY 4 yr span vs anything!
@@amireallythatgrumpy6508 why would any even argue with you😂
Again, it only proves that every asset to ever exist has done badly. @@my2sats260
So Dave says the lack of regulation on bitcoin causes lots of trouble...what about all the regulation on the stock market. Doesn't stop politicians from insider trading. Right Dave?
Bitcoin is now Regulated - 11 ETFs available to any grandma to make exponential wealth. Dave needs to spend 10 hours learning rather than all his time fighting
Wealthy boomers have too much ego to learn. Buffet and Munger were 15 yrs late to Apple and now that is BH. Only chance for a boomer is if they’re broke enough to learn out of desperation. Everyone buys bitcoin at the price they deserve…
The issue I see is, what is Bitcoin what is is based off of. Stocks are based of existing companies that provide a service/product
Tulips but worse
@@PokeKon91 I dont buy bitcoin, i dont understand it, only difference is I dont talk crap about it all the time like Dave does when its proven to be very successful.
Eric in Chicago - I hope this marriage really is for keeps because Illinois is the worst state in the union to get a divorce. You will pay maintenance (otherwise known as alimony) the rest of your life, not just for a limited number of years. So, if things start heading south in the marriage, be sure you get your wife to move to another state first! Secondly, it is important to change names on the deeds, regardless of Dave's position that it is not. Assets pass to joint owners which means you would not have to go through Probate if there is a death - and Probate can be lengthy and costly. Put all assets in both your names, including any real estate.
Bankman-Fried's mother was reached for comment: "He was a GOOD boy, a VERY good boy".
Paid off $160k student in 2 years with $200k income? Not sure if Dave knows how expensive things are nowadays😅
People should be able to live off 120000 $ a year, especially when they don't have a mortgage
@@karinshuler7108 not after they put $80,000 to pay off student loan~
@karinshuler7108 I agree. There's whole families living on just a 80k income.....lady needs a reality check for just two years and then she will be so free 😮 she could probably pay it in 1.5 years if she really wanted to and have a down payment in another 6 months after that. Living on 80k
You can barely rent an apartment in my city on $120K a year given one bedrooms start at 2k a month.@@karinshuler7108
I have had jaw surgery be covered by my health insurance if they would like to reach out to me please do
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Objectively, crypto as an idea is not stupid. Like any early stage idea, it is more speculative, volatile and susceptible to exploitation because it represents change. I don’t even invest in it, but to say it’s stupid is premature in my opinion, even if SBF stole a bunch of money. So did Alan Stanford, Bernie Madoff and every other crook on American Greed.
Are there any grants for this woman with her daughter’s jaw issue ??
You’re confusing correlation w causation.
I can't find a wealthy person. 😅
Bitcoin didn't collapse. It is up 160% in the past year and 1600% over 5 years. Ponzi schemes happen in stocks also
And yet another Bitcoin supporter who has yet to show proof of this claim. Nobody gives a crap if you're bragging about something if you can't show proof that it's real. With real facts from trustworthy sources.
First 🥇🏆
Nice job 🎉
Congrats from Germany ; )
@@TrollHunterxXx Thanks! I would like to thank my wife, my mother, and all my friends that supported me to get to this moment.
Bozo fi true. Lady u need fi fight fi u right. Di man nuh respect u. A hope counseling can fix it. Next ting u hear seh u inna more debt than u think. Insist.
😂 You haven’t told one lie. She kept saying he is financially savvy and I kept thinking they could be swimming in debt and she simply doesn’t know.
I can smell my Jamaican sister a mile away
I really wish we could get a follow up on this one. I wish her the best. She needs to stand up for herself.
Sam Bankman Fried should've got alot more time, but because his Democrat buddies dropping some charges he got a light sentence compared to Bernie Madoff
Oh shut up Leticia!
Gosh he needs to stop interrupting callers
BS on the Financial Advisor. There is no need.
You are 100% MISINFORMED about crypto and FTX. What SBF did has been happening in stock markets and brokerage firms FOREVER. Very disingenuous on your part. Over leveraging with investrr finds is fraud....NOT "crypto is fake".
Tell me clueless about Bitcoin and crypto, without telling me your god damned clueless.
And yet again another Bitcoin supporter who has yet to post proof of his actual earnings are winnings so lie to me without calling yourself a liar then
Only reason Boomer Dave hates crypto is because he missed out. Enjoy your commercial real estate crash, Dave. Maybe that's why your so desperate shilling life insurance policies and crappy phone apps.
You win the most ignorant comment of the day. 🤣
Lolllll Dave’s business brings in over 500 mil a year. Not you sitting in your house with no money hating. Don’t hate from outside the club.
@@OopThereItIs77777It's a private company, how do you know that? You either work for him or are one of his sheep followers who believes everything he claims. Either way it's pathetic.
And you are yet another cryptocurrency supporter who claims or eludes to the possibility that he or she has invested in cryptocurrency and is actually made money show me proof of your sales show me actual cold hard facts instead of your idiotic opinion
Okay show me proof that Ramsey Solutions is a publicly traded company. Go ahead I'll wait @@AdamS-t3w