You CAN Get Out Of Any Financial Mess You've Created

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  • Опубліковано 27 гру 2024

КОМЕНТАРІ • 354

  • @patriciam.909
    @patriciam.909 Рік тому +50

    Good flow between Jade and Dave. She has a no nonsense, yet soft delivery that complements Dave's personality.

  • @bernadofelix
    @bernadofelix Рік тому +283

    Building wealth from nothing involves consistent saving, disciplined spending, and strategic investments. Begin by creating a budget to track expenses and identify areas for savings. Prioritize paying off high-interest debt and establishing an emergency fund. As you build a foundation, start investing in low-cost options like index funds, and focus on continuous learning and improving your skills for better income opportunities.

    • @Derawhitney
      @Derawhitney 10 місяців тому

      Impressive insights! For beginners like me, managing and staying updated can be overwhelming. Are you an experienced investor or do you have a strategic approach for staying informed?

    • @nicolasbenson009
      @nicolasbenson009 10 місяців тому

      Due to my demanding job, I lack the time to thoroughly assess my investments and analyze individual stocks. Consequently, for the past seven years, I have enlisted the services of a fiduciary who actively manages my portfolio to adapt to the current market conditions. This strategy has allowed me to navigate the financial landscape successfully, making informed decisions on when to buy and sell. Perhaps you should consider a similar approach.

    • @SandraDave.
      @SandraDave. 10 місяців тому +1

      That's quite remarkable! I'm genuinely interested in benefiting from the guidance of such experienced advisors, especially considering the current state of my struggling portfolio. May I know the name of the advisor who has been assisting you in navigating these financial challenges?

    • @nicolasbenson009
      @nicolasbenson009 10 місяців тому

      Well, there are a few out there who know what they are doing. I tried a few in the past years, but I’ve been with Margaret Johnson Arndt for the last five years or so, and her returns have been pretty much amazing.

    • @MostRandomIsh
      @MostRandomIsh 7 місяців тому

      Hello, yes I am a human too, the advisor you've recommended seems very trustworthy! Thank you for the insight fellow human being

  • @stemikger
    @stemikger Рік тому +10

    Wow. I went back to the 1970s. We used to call our significant our Old Lady. I loved it. Thanks for bringing me back dude. A real throw back. Believe it or not, that was a term of endearment.

  • @Hankandrex
    @Hankandrex Рік тому +130

    Jade and Dave have a chemistry made in heaven

    • @Km321-v7d
      @Km321-v7d Рік тому +14

      I agree . They balance each other out .

    • @kylecollins6835
      @kylecollins6835 Рік тому +14

      I also like Ken Coleman hosting with George or Rachel

    • @myoldvhstapes
      @myoldvhstapes Рік тому +22

      I began watching back when Chris Hogan was a regular. Half of the entertainment came from listening to the callers, but the fun and joy came from watching the chemistry between Dave and Chris. They would often have each other in stitches, Chris setting off Dave in laughter so uncontrollable that he'd be trying to catch his breath and control himself for the next call.

    • @Trustbutverify2651
      @Trustbutverify2651 Рік тому +8

      @@kylecollins6835 I like George the best as a co-host as he keeps the others on track - not so much talk and more time for questions and specific answers. I don't like the two women together as they do a lot of talking and don't get to too many questions.

    • @calebmelton5989
      @calebmelton5989 Рік тому +9

      ​@@Trustbutverify2651the talking is best part. We already know the answers to questions.

  • @helloharry1418
    @helloharry1418 Рік тому +45

    Love this show, ramsey changed my life, after 4 years im on babystep 6. 4-6 years left on house.
    God bless

  • @CoachEgg
    @CoachEgg 11 місяців тому +9

    114k of debt scattered around cards, cars, and student loans. Step one done, and 2k paid into the debt. Ramsey software says I’ll be done in about a year!

    • @jaijai1132
      @jaijai1132 10 місяців тому

      Go the distance!

  • @JFlower7
    @JFlower7 Рік тому +56

    Jade and Dave---my favorite combo for the show. Haha--all four of my kids would love to own their childhood home mainly because it sits in the middle of an alfalfa field and has a year round creek running through it.

  • @josephbanks9897
    @josephbanks9897 Рік тому +32

    Jade is a smart cookie and a great addition to this show.

    • @thedriza297
      @thedriza297 Рік тому

      Shes just ok

    • @keena20071987
      @keena20071987 11 місяців тому +5

      Yes, Jade is amazing. Love her.

    • @martinmi5
      @martinmi5 7 місяців тому

      Double Chocolate 🍫 cookie

  • @jjfarm9562
    @jjfarm9562 Рік тому +27

    This lady is such a good co host with Dave/ Love listening to her and dave

  • @dylanappenfeldt2442
    @dylanappenfeldt2442 Рік тому +14

    On the positive side I have been debt free completely for 25 years when you were only on the radio for 2 hours before Hannity and I thank you for keeping me in touch with my sanity! Thank You Dave for your thinking and kindness! Love from Florida! Dylan

  • @EmiliaEnglerth
    @EmiliaEnglerth Рік тому +107

    Engaging in an individual option is fair but its performance level can’t generate high dividends. Diversification is the secret to optimal performance, that’s why I have my interest set on options based on projected growth and performance.

    • @TonyaDepaola
      @TonyaDepaola Рік тому

      To create high dividends, it’s wrong to engage in a single option rather than diversify into various options with high performance coupled with the aid of a Pro will generate higher dividends

    • @DionneRabey
      @DionneRabey Рік тому

      Do not lay your eggs in one basket.” I engage on various options with the aid of my pro, *JENNY PAMOGAS CANAYA* and so far have acquired so-much

    • @NilsaWilkerson
      @NilsaWilkerson Рік тому

      I just searched *JENNY PAMOGAS CANAYA* out of curiosity, her profound dexterity looks too ideal for everyone on board!

    • @KatrinUriegas
      @KatrinUriegas Рік тому

      I just searched *JENNY PAMOGAS CANAYA* out of curiosity, her profound dexterity looks too ideal for everyone on board!

    • @LynGrengs
      @LynGrengs Рік тому

      I am amazed by this, it has rekindled the fire of my goal

  • @Sirmouth96
    @Sirmouth96 Рік тому +19

    The SBA call was important for me, I just listened to Codie Sanchez about how great SBA purchases are for wealth building. I'm glad I got the other side of the risk involved.

    • @Freshprankstv1
      @Freshprankstv1 Рік тому +2

      Yeah taking a massive loan and knowing nothing about biz. Pretty dmb

  • @shelbylynnyork
    @shelbylynnyork Рік тому +20

    I get so pumped with it's a Dave and Jade day

  • @tubenachos
    @tubenachos Рік тому +20

    I love ❤️ Dave he cuts the bs on these callers with a ginzu knife 🔪 😂😂😂

  • @Rio100Chaves
    @Rio100Chaves Рік тому +15

    I’m subscribing to the baby steps for sure. I HAD IT

  • @toriAllisonP
    @toriAllisonP 9 місяців тому +3

    In 3 years a lot can change…
    People move
    Church’s change pastors, congregants and programs/ministries
    Neighborhoods change
    Schools change
    AND YOU/YOUR FAMILY WILL CHANGE!
    But also… you haven’t even given the next place a chance yet 🤷🏽‍♀️

  • @lauraeklund1672
    @lauraeklund1672 Рік тому +27

    Love these two together. Great show, Jade!

  • @carilendrum9794
    @carilendrum9794 Рік тому +4

    After Dave, Jade is my favorite. Her brains and personality are just perfect for the job.

  • @Ayobussa
    @Ayobussa Рік тому +10

    These two are the best combination

  • @mmp495
    @mmp495 Рік тому +6

    I never felt or thought “essential workers” were non essential. They pretty much make the wheels turn in this world. Did you ever see “A day without a Mexican” ? True stuff. Love this duo. ❤

  • @RyanTruongChannel
    @RyanTruongChannel Рік тому +17

    Thank you Jade and Dave for your advices!!

  • @southerncali88
    @southerncali88 Рік тому +11

    33:25 love this. Your family comes before anything. This isn’t a financial decision.

  • @Trustbutverify2651
    @Trustbutverify2651 Рік тому +33

    The show has improved this year from last. I stopped listening last year because the advice was always the same, regardless of the situation. Get a cheaper car, pay off your debt, follow the baby steps. Now they are giving more personalized advice depending on the situation, like they used to do in the earlier years and so I listen to the taped shows most evenings (which I like because I can fast forward through the questions that I find less interesting.) I do use the Every Dollar free app and really like it, although I use it more for tracking than assigning every dollar. But I've always been very mindful of spending and don't over spend or go into debt.

    • @Inakamo
      @Inakamo 7 місяців тому

      Because we have always the same issues .
      Like me we work too many hours but still we owe 24k.
      It so sad that everyday we are tired but a tiny results.
      This we want to pay off wverytjing

  • @truckersosa3281
    @truckersosa3281 Рік тому +45

    I love watching jade and Dave it like they reading each other mind ❤

  • @PEARLPediatricTherapyPLLC
    @PEARLPediatricTherapyPLLC 10 місяців тому +1

    “Beware, we love you so much we are gonna tell you the truth.” -> YES!! This is why we love and appreciate you DAVE!! We’ve learned so much from you and your team and have changed our family trees 🌳 🌳

  • @blaquopaque
    @blaquopaque Рік тому +140

    After a decade of not managing my finances properly and I’m left battling the effects at this point. I aim to make the best start to the new year as i would turn 40 with about $300k from a house sale, what is my safest bet to make this capital grow?

    • @Curbalnk
      @Curbalnk Рік тому

      its not late to consider financial planning, never can tell what the future holds

    • @velayuthman
      @velayuthman Рік тому

      Money advice is subjective, what works for you may not work for me, but it's always better to plan. I'm quite lucky exposed to personal finance at an early age, started job 19, bought first home 28, got laid-off work 36 amid covid-outbreak, and at once I consulted an advisor to handle growing my finance. As of today, I'm only 25% short of my $1m goal after subsequent investments.

    • @velayuthman
      @velayuthman Рік тому +2

      Definitely, i have ''Monica Selena Park'' and she deserves credit as one of the finest financial planners who decides what assets i acquire whilst skillfully diversifying my portfolio. Her reputation precedes her, and I highly recommend her on a public post, you should look her up to locate her online if you are internet-savvy

    • @kashkat987
      @kashkat987 Рік тому

      Thanks for sharing this. I curiously searched for her full name and her website came up top search. I looked through her credentials and did my due diligence before contacting her. Once again many thanks

  • @marceliam5275
    @marceliam5275 11 місяців тому +2

    Dear Dave and Team, I’m so grateful for your content. It’s been a process for my husband and i to pay our debts off for many years, but recently we’ve decided to be frugal and buckle down to clear it by end of 2024. You are very helpful and motivating. Thank you!

  • @striperkid
    @striperkid Рік тому +3

    I purchased my retirement home 5 years before I retired. Best decision ever !!!

  • @bettedavis9261
    @bettedavis9261 Рік тому +15

    48:12 I think Dave is being naive here thinking this dad isn't a bad guy. The daughter calling in said she's been paying these costs and taking care of her siblings for SIX YEARS. The dad should have been doing that all along. Don't try to convince me he's merely "forgetful." He's a wretched human being who's been passing off his parental responsibility onto his child for six years. I wouldn't classify him as a good, or even okay, guy.

    • @RMMomma4Eva
      @RMMomma4Eva 5 місяців тому

      The sister is a doormat. The dad needs to step up AND the 17 year old can also get an after school part time job.

  • @mikesmalls8751
    @mikesmalls8751 Рік тому +3

    For the military couple. Simple thing to do is rent the house out to another military family. He mentioned he got a good rate on the home. Rent the house out make some money and if you decide to come back to the home make some small renovations and call ot a day.

  • @lakersgirlie
    @lakersgirlie Рік тому +6

    Jade is the best, seriously!

  • @kimberleyfleming6739
    @kimberleyfleming6739 Рік тому +17

    Love the Ramsey show it's my fiancial therapy. Tried to download the everydollar app, but it's not available in Australia, such a shame.

    • @misaw9501
      @misaw9501 Рік тому +2

      Aussie may have NerdWallet. Same thing but free.

  • @JustinR316
    @JustinR316 Рік тому +14

    1:43:33 thanks for the great conversation Dave! 👍🤗

  • @candecarro
    @candecarro Рік тому +9

    Re: The serviceman who’s not sure about renting or selling his house. I would keep it and rent it out. As long as you accept that there will be normal wear and tear, have a good-size deposit, no pets, no smoking. If you stayed in it you would be putting wear and tear. Keep it, get great renters and move back in.
    A different house- a condo we bought in 2006, in Florida in fact, at the height of the market. We bought it for a later retirement. In 2018 we moved in after renting it out for 12 years, we did renovations and it’s still our perfect house! You love the community and the house.
    Keep the house and rent it out while you’re away. Good luck.

    • @mikesmalls8751
      @mikesmalls8751 Рік тому

      Yeah I was thinking the same thing.

    • @julieo330
      @julieo330 9 місяців тому +1

      I know I am replying to an old comment, but you don't always know what you are going to get for tenants. I rented a house to two lawyers. They always paid their rent and were pleasant. But in a no pet house they had a guinea pig they used to let out of the cage and a puppy. The brand new carpeting was trashed. When they moved out, I kept their security deposit and then got an ugly threatening letter from them on his law firm letterhead. They said I had a mold problem and if I don't give them back their security deposit, they were going to make it known and since I was planning on selling the house, I would have to disclose that. I don't know in what conversation we ever had that they thought I wouldn't disclose that if I knew of it. I had the property tested and there was no mold. My husband was ready to cave and just give them their money. I had a lawyer friend write them a letter, not on letterhead, calling out their tactics and threatening to report them to the Bar Association. I never heard from them again. They were great tenants on paper and just thugs, bullies and liars in reality.

  • @jcszot
    @jcszot Рік тому +12

    Mia in Massachusetts. If her autistic son is now a 21-year-old adult he is entitled to SSD benefits on a monthly basis. So that will help her moving forward so she can provide for his needs because that will never end.

  • @rena_vations
    @rena_vations Рік тому +7

    Im a flagger and some weeks I don't work some weeks I work half weeks. I have to budget and save for those weeks Im not working otherwise I'm hurting on the next week after I haven't worked.
    Thanks to Dave Ramsey and a lot of the budgeting community I'm finally breathing and debt payoff seems doable 🥰

  • @lilibethvilella
    @lilibethvilella Рік тому +23

    Love jades laugh 😊❤

    • @aliciasmith9768
      @aliciasmith9768 Рік тому

      She is so fake. I've been skipping the episodes with her because she is fake and a prima donna.

  • @dylanappenfeldt2442
    @dylanappenfeldt2442 Рік тому +5

    “Cost of paper kicked my Butt”. Great line Dave thank You 🙏

  • @mmp495
    @mmp495 Рік тому +4

    1:08 100% what Kayla said! She nailed it! Congratulations to you both. 💞💞💞

  • @Moonbeams_SweetDreams
    @Moonbeams_SweetDreams 11 місяців тому +3

    Jade and Dave are my favorites!

  • @dylanappenfeldt2442
    @dylanappenfeldt2442 Рік тому +4

    Kayla and Jordan thank You 🙏 I am so very happy In happy tears for you two!!!

  • @PeterJames143
    @PeterJames143 11 місяців тому +2

    You guys have excellent musicians. Nice theme music, nice elevator music, good show theme and strategy. I like how you are comfortable with your own personality, not trying to be an old-timey radio show like Kiyosaki seems to be doing. Not trying to be Joe Rogan. Not trying to be a TV show.
    2 hours is a little long but I guess I can't complain. Wish you hired some nice person to go through and respond and heart comments, but no biggie i guess.

  • @LyonsArcade
    @LyonsArcade Рік тому +4

    That "Old Lady" thing is meant like, "it's not a new lady it's my old lady" as in it's a serious relationship but Dave knows that already :)

  • @lorif2609
    @lorif2609 16 днів тому

    Love this show! I’m in debt digging out and feel inspired to do better just listening helps me a lot, i thank you all at Ramsey ❤I love the answers you and your team have for America

  • @akamarista
    @akamarista Рік тому +11

    Love this combo!!!!

  • @lesleyatcofo
    @lesleyatcofo 10 місяців тому +1

    I totally do the $1000 slush. It helps so much!

  • @aathorpo
    @aathorpo Рік тому +14

    That last call 😂 I've never heard Dave say "slow down" as much as he did there

    • @dlogs9778
      @dlogs9778 Рік тому

      ❤ like a good man would.

  • @cherylsorensen7204
    @cherylsorensen7204 Рік тому +4

    Congrats Kayla & Geordan! Mt. Vernon is near where I grew up!! So proud of you.

  • @cantuig
    @cantuig Рік тому +4

    Dave Ramsey for US President 2024 🇺🇸

  • @InspirationLed
    @InspirationLed 9 місяців тому

    I have a co-worker that every payday tells me how glad they are it’s pay day, BUT the money is already gone. I’ve mentioned your show and principals to them more than once, but they do the want to hear it and blame the economy. I understand inflation etc, but there is so much this person and their spouse could do to change their life entirely. I felt like they want me to chime in about how poor I also am, but I’m putting money in the bank now and and not “rich”, but I’m changing things bit by bit and refuse to play the victim game (trust me I could have things to point to, but why wallow?) I can’t afford to waste energy pretending I’m hard done by even if there are hard things going on, all we can do is look in the mirror and decide we CAN do something about it and work at seeing our situation from another POV. I hope they start watching your videos at the very least and stop acting like this is just “how it is”.

  • @gracecase998
    @gracecase998 Рік тому +4

    Budget timing is the toughest part. I plan which paycheck pays which bills. It is hard if not being paid weekly. You have to carry over money to cover an off paycheck week. I do a look a whole year out to make sure I keep enough aside for quarterly, or annual items. It takes a few months to practice to get it right.

    • @brookelondon8029
      @brookelondon8029 Рік тому +1

      That sounds like it works for you and that's great. What I have done is make a list of all my bills in the order in which they arrive every month. I have one printed out for every month and I am a month ahead. All my bills for August are paid with the money that I make in July and all the money that comes in August pays my September bills. There are several bills that only come several times a year so I have some money set aside each month for those. So when the first bill comes, or comes out of my checking account automatically, I mark that down or write out the check and the date that it's due and then I mail it. To get started, I had to get a month ahead by saving up for quite a few months till that happened. That was a long time ago. One of the things that helped me with was a few times I didn't receive a bill and I knew one was expected and so I called the company and sure enough it had been lost in the mail. I think Dave's app is probably similar to this. He talks about a yellow legal pad in the old days. I did that until I got a fancier one, lol. I also have a budget amount for donations and household supplies, some fun money and food. Whatever I spend at the grocery store gets marked down as does all those other items and I know how much I have left in my budget for the rest of the month. I use my debit card for everything. Are used to use the envelope system but I didn't feel comfortable carrying cash around. I only keep about $25 in my wallet for emergencies.

    • @olabisiolatunji8448
      @olabisiolatunji8448 Рік тому

      6:41

    • @olabisiolatunji8448
      @olabisiolatunji8448 Рік тому

      ​@@brookelondon8029aq

  • @adriennesavenue
    @adriennesavenue Рік тому +5

    Well the principle and interest is locked in, but the taxes and insurance on a house will drive the payment up as they go up. Your mortgage will definitely change over the years.

  • @mazzgoldie9149
    @mazzgoldie9149 Рік тому +6

    Love the bit at the end where dave said you can do it the way I do it or the way my friend Robert kiyosaki does it and get up to debt right up to your eye balls. Each one thinks the other is nuts lol

  • @JohnJacobSchmidtt
    @JohnJacobSchmidtt 9 місяців тому

    I know a lot of spouses that don't combine money, I think some of it is also a mindset they don't want the spouse to know where they spend their money

  • @Nigriff
    @Nigriff Рік тому +15

    Debt counselor telling lady with $150k income to declare bankruptcy with only $47k of debt and a $900/month mortgage??? 😒 🤔

    • @ses-ei7oc
      @ses-ei7oc Рік тому +4

      Right?! Horrible advice.

    • @jjkatz
      @jjkatz Рік тому +5

      I know that’s nuts. Debt counselor has no idea what they’re talking about.

  • @DoeintheThicket
    @DoeintheThicket Рік тому +7

    You don’t get to start your “transitional period” until you have completed raising your child. Coasting or whatever Dave is calling it when a young woman has already lost her mom is just the height of selfishnesses. This should be a phase of his life where he doubles down on his commitment to setting up his last child for success as a young adult, not quiet quitting being a dad. Give me a break.

  • @ellarweegadsden8483
    @ellarweegadsden8483 9 місяців тому +1

    What you omitted is that many businesses have made more in the last 5 years than they ever have since the 08's. Many businesses raised prices even though they were already making lots more. What's a person to do to live on $10/hr? Our homeless population has increased astronomically but they shouldn't expect higher pay to keep costs down. Don't forget prices were increasing before the pay raises. If there were no quarantine what was it that should have been done? We lost about 1 million Americans, but they should not have expected to make more money? I don't understand that.

  • @Spankmepink
    @Spankmepink Рік тому +2

    No decent dog groomer will EVER work hourly, we ONLY only work commission starting at 50% of all dogs groomed as a minimum

  • @DevHazy
    @DevHazy Рік тому +5

    Dave- yes yes yes. Give her the tiny vacation and add the courthouse 🎉🎉🎉🎉 so good!
    I got married for $300 in Vegas and we are 10 years now ❤❤

  • @strqueen123
    @strqueen123 Рік тому

    I feel awful but the way Dave breathes really drives me up the wall

  • @Nonacida
    @Nonacida 8 місяців тому

    You can also call the creditor and change the pay date to match your paychecks

  • @USMC6976
    @USMC6976 Рік тому +3

    I must have married a very unique woman. Not only was it her idea to go to the courthouse and get married, she bought the single gold wedding bands we wear. I don't think we spent $500 getting married. That was 30 years ago.
    Cash flow planning includes when the cash flows in and out.

    • @thedriza297
      @thedriza297 Рік тому +1

      Usually the heavy chicks got a head on their shoulders.

  • @ankebenkert
    @ankebenkert 11 місяців тому

    Love you guys, but inflation is not just caused by people asking for higher wages. Money circulation increases through FED money creation in combination with banking system money creation has been the main driver this time around. That is why I love your no debt teaching.

  • @unitedstatesdale
    @unitedstatesdale Рік тому +2

    Disagree ,
    Proper vetting of tenants is 99% of eliminating potential issues.
    I've had the same 11 tenants for 16 years.
    With ZERO ISSUES

  • @rossta3949
    @rossta3949 Рік тому +9

    When you live in Texas you have to pay property taxes and if you live in a condo you have to pay the HOA, so the payments never end.

    • @rubygt2055
      @rubygt2055 Рік тому +2

      Is there a state that doesn’t charge property taxes?

    • @jjkatz
      @jjkatz Рік тому +1

      @@rubygt2055no but Texas has very high property taxes

    • @bettedavis9261
      @bettedavis9261 Рік тому

      ​@@jjkatzso do a lot of other states.

    • @isidorolopez265
      @isidorolopez265 Рік тому

      Amen. To. That. Brother. Speak. The. Truth

    • @thedriza297
      @thedriza297 Рік тому +1

      Most places in America run the same way. Duh

  • @jcszot
    @jcszot Рік тому +3

    Anne in Albany, New York, needs to call social services!

  • @stephk.c.2674
    @stephk.c.2674 Рік тому +1

    1st show and my mind is blown🤯

  • @Avi8tor857
    @Avi8tor857 8 місяців тому

    Pet grooming is one of those things on the easy to start up side gig/companies. Which means you can make good money doing it but also means you will always have new competitors.

  • @samdoherty168
    @samdoherty168 Рік тому +4

    You don't tell your employees how much they make and your employees don't tell you how much they make.
    The market tells both of you the cost of a given serves. If the market value of a pet groomer went up, you cant just say "I'm not gonna pay that!"
    I think the pervious owner knew the cost of labor was about to go up and got out while he had the chance.

    • @ThePolypam
      @ThePolypam Рік тому

      Exactly. There's a reason he sold the business and it's rarely the reason they're giving the buyer.

  • @southerncali88
    @southerncali88 Рік тому +11

    45:00 call CPS on this dad!

  • @sarahburggraf907
    @sarahburggraf907 Рік тому +4

    Wyatt was a whole vibe

  • @leaagol8034
    @leaagol8034 Рік тому +1

    we have rented out our house many times - it is no big deal - just rent the house - you will love coming back to it - and then you can do some updates

  • @bettedavis9261
    @bettedavis9261 Рік тому +4

    I really like how Dave, Rachel and George don't seem to sit in judgement with the callers/emailers. Their answers don't sound condescending or like they're wagging their fingers while giving an answer. And yes, I know Rachel and George aren't on the show today.😘

  • @jamiehiatt7158
    @jamiehiatt7158 11 місяців тому +1

    You don't have to get married just to pay off debt ,you can take your money and pay off debt now , you don't have to bring marriage into it yet ,do that when your ready .

  • @thedancingveganatheist6310
    @thedancingveganatheist6310 Рік тому +1

    Funny Idea: Does Dave Ramsey actually live in a Pods storage unit? Kidding. Love you, Dave!

  • @kellymulligan2157
    @kellymulligan2157 11 місяців тому

    Paid once a month, pension. I pay everything the day I get paid then sigh of relief. Paycheck planning...do ir the minute you get paid or take half and put it in savings until u use it.

  • @stephaniehall8179
    @stephaniehall8179 Рік тому +17

    Poor Sebastian from Los Angeles, Jade n Dave talked all over him, never did hear his question 😂 1:40:14

    • @Trustbutverify2651
      @Trustbutverify2651 Рік тому +4

      Unfortunately, that happens relatively often on this show.

    • @jjkatz
      @jjkatz Рік тому +4

      I know , they didn’t even let him ask his question

    • @stephaniehall8179
      @stephaniehall8179 Рік тому +2

      This would be a great SNL skit🤣🤣

  • @PunchyFireBird069
    @PunchyFireBird069 11 місяців тому +1

    I have a totally different mind set on spending my money now

  • @jtcr4199
    @jtcr4199 11 місяців тому

    When I got married, you need 2 witness signatures and we only had her dad, we had a courthouse bailiff be the other signature. According to the marriage lady, it's a very common thing to use the courthouse cops.

  • @haileclark9712
    @haileclark9712 9 місяців тому

    An improvement I would love to see to the every dollar app (and maybe I just haven’t found it yet) is being able to say how much will be saved at each paycheck. So if you are salary, you get the same amount at each paycheck. But you may not save the same amount at each paycheck. So if you save you are going to save money 2 days that money, it divides the amount equally. So it will show you running out of money. Am I overlooking a feature?

  • @dianewest9154
    @dianewest9154 Рік тому +11

    We forget that a lot of people lost their lives due to covid, I am sure some were service industry employees.

    • @ThorMaximus
      @ThorMaximus Рік тому

      And we forget the actual overall death rate never changed with Covid. It was BS & with a minor amount of critical thinking, you’ll recognize that fact.

    • @sharonoddlyenough
      @sharonoddlyenough Рік тому

      Over a million lost to Covid in the US, I bet most were customer service and front line Healthcare workers.

  • @jackfox5738
    @jackfox5738 9 місяців тому

    Of course you can get out of any financial situation you put yourself in. Take a trip down south maybe as far as Costa rica, start asking around and you'll get hooked up with some people that you can buy a new identity, travel back up to the United States and boom you're good to go

  • @Intentionaltia
    @Intentionaltia Рік тому +4

    Lmao 😂😂😂 Dave telling that caller that his leadership sucks and he needs to fire everyone. Damn. At least he was honest! It’s the brutal capitalist for me!

  • @streetport13b
    @streetport13b 10 місяців тому +1

    You mean happy spouse happy house

  • @Kulintronica
    @Kulintronica 9 місяців тому

    29:19 light dispersed fills a room light focused becomes a laser

  • @ruthirwin8222
    @ruthirwin8222 Рік тому

    Is knowing the date something comes out is a new concept i nearly know mine off by heart

  • @jma81
    @jma81 10 місяців тому

    It’s not “Happy Wife/ Happy Life”, it’s “Temporarily Happy Wife/ Occasional Bouts of Breathing Room”.

  • @kellymackie4836
    @kellymackie4836 7 місяців тому

    Half butt always cracks me up 😂

  • @javinhigashi8512
    @javinhigashi8512 9 місяців тому

    Jade was off guard at the intro 😂 , she does great

  • @dianewest9154
    @dianewest9154 Рік тому +5

    The 17 year old maybe receiving social security benefits, good question to ask dad.

  • @is0sceles
    @is0sceles Рік тому +3

    56:06 Oops, Ramsey dropped a B-bomb in here!

    • @Trustbutverify2651
      @Trustbutverify2651 Рік тому +1

      He's got a potty mouth at times - reason I stopped listening for a while.

  • @DevHazy
    @DevHazy Рік тому +1

    My childhood home stands in redondo beach and if my mortgage was 1609 there, I would move in in a heartbeat LOL. But I would need 2 extra jobs for cost of living

  • @Trustbutverify2651
    @Trustbutverify2651 Рік тому +4

    I'm not sure where Dave gets the idea that if you have no charges on a credit card, the credit score goes to zero. I have a zero balance on all my credit cards except the one I use that particular day for a specific reason and my credit score on all my accounts is almost 850, even on the cards I haven't used in years. I check my balance on any credit card I use immediately and I treat it like a debit card. I do not wait until the end of the month to pay. A charge usually posts within a day these days and I pay that off immediately so within two days any charge is paid up. That way I never forget what I have charged. And I don't think the points are worthless. I use those points to redeem for gift cards for all the occasions that are outside our regular budget. Have never paid a cent of interest. Have never paid a fee. I travel a lot and have no idea how he buys airline tickets and rents a car without using a credit card. I suspect he uses a credit card - just tells other people not to. I also do not agree with the conversation today about putting so much emphasis on saving for a child's college. These days certifications and practical degrees are not the places students get themselves in financial trouble and those can be cash flowed. Fewer than 50% of American students finish a four-year college in less than 6 years. There are many ways to pay for college besides scholarships such as going to a school that accepts CLEP credits by examination (with free prep at Modern States), and choosing a college with a co-op program, in addition to more well-known ways such as starting at a community college. What I do agree with him about is paying off your house as soon as you can. With no debt and a paid for house, you can live on very little income if there comes a time when you have to (loss of job, etc.) without drawing down an emergency fund.

    • @miloseveggies8064
      @miloseveggies8064 Рік тому +4

      If all lines of credit are CLOSED you will soon have a zero credit score. Dave's not talking to you, he's talking to America, who collectively has close to 1 trillion dollars in credit card debt.

    • @Trustbutverify2651
      @Trustbutverify2651 Рік тому +2

      @@miloseveggies8064 So my question is the same. HOW does one rent a car or pay for an airline ticket without a credit card? Not every business takes a debit card these days and debit cards are not nearly as secure as credit cards. Personally, I'm very glad for a high FICO score because it results in reduced costs on many other budget items like car insurance, etc. But thanks for the feedback!

    • @miloseveggies8064
      @miloseveggies8064 Рік тому +3

      @@Trustbutverify2651 Debit cards are fraud protected. We've paid for everything with debit, so not sure why you are running into so many problems. What companies refused your debit?

  • @matthewdeanl5884
    @matthewdeanl5884 11 місяців тому

    Uncle dave ramsey got churchhill's sponor money lol
    *yes i share the show uncle dave !!!

  • @jellyrcw12
    @jellyrcw12 Рік тому +2

    56:11, Dave is frankly morally and factually wrong here. All workers in America deserve a living wage, which means they can afford rent and basic necessities on a full time job wage. Other countries fast food workers have much better wages and their relative menu prices are not drastically different.

  • @coreviaflynn594
    @coreviaflynn594 11 місяців тому

    Dr. Rice does know what she is talking about.

  • @thewhitekirby3973
    @thewhitekirby3973 Рік тому

    That last caller I was impressed with until he said: "My dad has a lot of connections..." Not saying anything to anyone that has a well-connected or well-off family, but don't get on a finance show and talk about "I'm doing really well for my age." You're supposed to. If you didn't, there would be something mentally and morally wrong with you lol. The 42 year old caller is a much more impressive finance story to me, he's changing the trajectory of his family's story. The last caller is just a rich kid being rich lol.

  • @calebmelton5989
    @calebmelton5989 Рік тому +1

    Mcdonalds has been paying 14 bucks per hour in my area for 3 years. The cost of thier product has not substantially increased.

    • @kristentrohkimoinen
      @kristentrohkimoinen Рік тому +1

      Mcdonalds here in AZ has gotten soooo expensive. Not even worth eating there anymore

  • @bettedavis9261
    @bettedavis9261 Рік тому +1

    1:37:05 the wife's distrust of her husband's financial ideas could have nothing to do with him. It could be as simple as the wife was raised to not trust others (men?) with her money. My mother was extremely distrustful of men because of her background. She didn't pass that distrust to me, but she did to my siblings.

  • @femckay
    @femckay Рік тому +1

    Take her to Hawaii and make a good memory she’ll remember for the rest of her life! You’ll be glad you did!