Had to share with someone! I got a second job to help with paying off my debt. I’m clipping coupons and working the baby step two. I hope to have all my debt paid off by the end of this year. Pray for me!
I'm only 4 minutes in and this first lady is driving me fkn crazy. She can't tell a simple story, leaves out tons of details, has no idea that student LOANS are loans, then was more focused on talking over Jade than actually listening. That girl is a lost cause. When she cut off Jade and said "no, listen, listen, listen" like no lady, YOU called. YOU listen.
Indeed I called in and thanks for your feedback. Not sure if you saw George's documentary about student loans but it was really informative and validating to my ignorance about taking out loans at 18. Having never been given the knowledge of how the system actually worked, I feel victim like so many others, which is how our Nation has over a trillion dollars in student loan debt.
That first lady caller was so annoying. People call this show then proceed to tell THEM, the experts, how it's going to go down! And she droned on and on and on before getting to the point.
Like most callers, we give back story we believe is relevant to the situation we find ourselves in. I can totally relate to feeling like some callers give superfluous information but hey lol what do I know really. Thanks for the feedback!
Thank you to the Ramsey family of personalities. At 47 , I’m on baby step 6. Haven’t had a car payment since 2013. Have a job with a pension but still save 15%. I bought my two bed two bath condo in south Orange County in California at the bottom of the market (Dec ‘09) I did regret one thing. Had I taken out a 15 year mortgage, I would have made my last payment today. 😂 I did the thing where I invested the difference. I did pay cash for two brand new cars in that time).Been following Ramsey for about 10 months) I owe about 149,000 left on it (2.9 rate). Think I want this paid off in 3-5 years. I’m really contemplating taking 34K I have in a brokerage account and slapping it down on the mortgage principal….I make about 80K a year. Never married, no kids.
I had $220k in student loans. I was on the PSLF program. All $220k was forgiven in October 2024. My colleague just received a letter of forgiveness for her loans that were $450k. We both have doctorates in CES. I feel so grateful because I’ve heard on this show that there is such a small percentage of people whose loans are actually forgiven. I’m still in shock that this happened!
Indeed! I'm actually taking the bus to work, and Ubering back home. The reason why I was so desperate was because I saw how much I was saving and was able to catch up on bills, and it was daunting to go back to paying for rideshare. Hindsight is 20/20 and had I made the poor decision of getting that loan, I would have regretted it. Thankful I called and truly appreciate the real advice you shared.
I wish they would’ve addressed the fact that declaring bankruptcy is screwing people that treated you fairly by lending you money and expecting that you were gonna pay them back. For this first caller to just cavalierly say well I want to take a pass on all that while I keep spending money is so irresponsible and highly IGNORANT!
While I agree with you on the first caller, I don’t agree that filing bankruptcy in general is mistreating the lenders. Their losses are huge tax write-offs and most lenders aren’t hurting financially.
That's actually not what bankruptcy is and nor was it my sentiment about considering a loan. Thankful I received sound guidance when I was tempted to backtrack like so many that have been extended grace. If you do feel that strongly about bankruptcy though, it may behoove you to get into politics and change the laws.
Caller 1 here Maryam Alima... I appreciate the feedback. It's easy to say what we would do or wouldn't do, but that is why good counsel is a blessing. Lessons are learned through repetition which is why I surmise that most who believe they know and understand debt and finances come back and tune in regularly. Grace and Mercy from Allah are boundless.
Or have your daughters pay for their own college- and I’m not talking about loans. There are scholarships and grants…and there’s also employment. I paid for my own college degree and my children did the same and they value their education because of the fact that THEY invested in it. As a mom, I support them in other ways, like housing when they’re students, food, phone, etc.
Wow! Merium was a hot mess! Of all people that needed psychological input, it was she and Dr John went silent. Jade had to control the whole conversation. It was clear that Dr j wanted nothing to do with her call. Then again, can you blame him?
@@rosedewittbukater5763she wasn't going to listen to anyone. I think she just wanted attention. She reminds me of the type of girl that will tell you the worst or most embarrassing thing about her. Most people would keep that thing to themselves but she tells the story because it gets her attention. She didn't call to get advice. She isn't going to listen to anyone. Has to learn the hard way.
It's Maryam, but thanks for the feedback. Didn't get the loan because grace and good guidance was given. Indeed a good therapy session would save many of us in this crazy world we live in, so I'm totally here for that!
John is out of touch on this one (college fund)..get in reality John. The husband is hiding money to skirt having to help support his kids. She's trying to be fair and reasonable for her kids, where her husband is not. Half his kids...half is expense. Protect your kids, lady!
If her lawyer is giving her good advice so far, then save the money in a brokerage in her own name. I don’t see the integrity issue John is worried about. It’s not the ex’s biz how much she’s saving, where, and for what after the divorce is finalized.
I’m gonna deal with this issue with my ex. He already told my daughter that I’m paying for her college 😂😂. But the way I look at it is that at 18 legally neither of us are required to pay so I’ll help as much as I can. He can live with himself if he doesn’t help her at all.
I'm not informed on the legalities of college funding after a divorce, but as someone with 0 dogs in the fight it just seems odd that there would be any legal expectation for either parent. The kids are 18+ by the time college starts, isn't paying for it legally their own responsibility? I don't understand how Mom paying would mean dad has to pay, it should all be optional.
I feel like this first caller already knew she was going to take out a car loan, she just wanted validation for her bad decision. Good job Jade for sticking to your ground patiently telling her what she needed to hear. 🙂
Considering the number of calls where someone is informed that it would be in their best interest to sell their car, it seems that Ramsey Solutions should have a link for anyone who needs Ramsey-endorsed guidance and concrete steps/resources on how to do that.😆
At 37 minutes in there is a conversation about an ex-husband and Dr balony calls him a scumbag. Although this may be 100% true, it drives me absolutely nuts that the Ramsey show automatically call somebody else a name based on no other information. This is just one side of the equation. In my opinion they do this more in terms of calling men names, but they will also do the same thing to an ex-wife. They could give the same advice without crapping on somebody else when they have minimal information
Yeah, but Mommy can fix anything. Just ask her lol. Couldn't fix her marriage though. Good call out on the Ex's whom we never hear their side of the story.
Dave and all the personalities except Rachel like to demonize the men, especially ex-husbands. Their knee jerk reaction is the guy is a horrible person.
@@bettedavis9261 yep! Its bad. Hell, I've even heard some of them to essentially tell guys to suck it up after divorce. When a girl calls, they tell her she's a victim and call the ex husband names.
The First Lady sen my anxiety through the roof 😫 Good Lord lady! Why did you even call? You knew they were going to tell you not to do it. It was like she was flurrying to force an approval from them 🤦🏾♀️
wow that first caller. I expect people like that to be in debt and get into a spiral in an already complicated and debt encouraging environment like the US. Her "No" gave me ptsd flash backs from my customer care days.
Daniel, you must now close this message. Put seals on the book so that nobody can open it until it is time for the end of this world. Many people will try to understand about these things. They will travel everywhere to get more knowledge.’ Daniel 12:4
Really? A thousand dollar car? That is essentially a car ready to go to the junk yard. How can you recommend a car like that to someone who can't manage money and a car that rapidly breaks down? I like Jade's overall message, but when she over exagerates to make her point, she wrecks her credibility.
Was looking for this.. she definitely rushed that call not thinking how he’s actually not following the steps correctly. Everything over the emergency fund should be thrown on the mortgage or you end up accidentally buying boat
@@laurab5849 You'll get there! Stay with it. 😄It has been a long road, but I'll be debt free - house and all by February 1. A budget that you stick to is crucial.
I literally just asked my YN …”bhe what is this lady actually calling about “ He looked at me and replied “skip head a little bit” 🤣🤣😭😭🤣 and we NEVER DO THAT
John is wrong about the college savings issue - a court will ORDER parents to do the healthy thing and NOT discuss adult issues with kids. The lawyer should have the divorce decree SPECIFY who pays how much, if anything, for the kids’ college. Surprised a guy with 2 PhDs would suggest one parent bad-mouth the other, even if it’s the truth.
When did he say that she should bad mouth the ex? I think you are referring to when John was calling the guys names based on only hearing half the story. I agree that they all need to stop doing that. But yes in the divorce documents, all that should be specified and agreed to. I don't understand her lawyer mentioning that as if the ex husband can just change things later on. I can't imagine a judge looking at it where she put 75,000 into a student fund, the kid owes $100k and the judge says the parents should split the difference. I think this is just a random fear that popped up. There's also the other idea that 15 years from now, the father has zero dollars. Then it doesn't matter what she wants. All she needs to do is put the money in a fund that she has control of and problem solved.
It's not bad mouthing. After 11 years of being divorced, my kids know the way their dad and I handle money is different and they know who has the money to help them in situations. Kids aren't stupid.
I understand what John is saying, but I think Sarah should just save the money in an account not specified as for education and in the event that she has to pay more than do it on the back end, you do the best that you can for your daughters with what you save, but don't specify as an. Educational camp because maybe her husband will try to be a schister. And pay less. Right now she could be contributing more to her retirement if she knew that her husband was going to do the right thing and pay his share, but his previous behavior has somewhat indicated that he may not do that. So I will save for education unknowingly. To everyone else, hopefully he pays his share and then all is good. But if he doesn't all is good because I've been saving. For that.
I watch the show at 1.3 speed and some of these callers are so SLOW even at that speed!! I can't imagine trying to listen in normal speed. Uggh...spit it out already.
It is not that easy to sell your car . Most times you get a cheaper car. But then they roll over the different. Because it's not worth the dollar amount because cars are not worth what you owe on them. Then, when you get a beater, you're turning around and spending 200 to 500 every couple of months having to fix it. I'm a big believer. Pay it off that way. You can have a better car that will last. You longer and more reliable.
I feel really bad for the girl at the 29 min mark. Essentially she's close to breaking up over situations. I recently had to do that when i was dating a very good person. I would rather come home and find out im cheated on than to end a good relationship over circumstances.
I could not disagree with you more about Sarah’s call. She should financially protect herself from her ex-husband. It’s difficult to understand if you have not been taken advantage of by a spouse.
Ugh. Why do they have a cruise ship singer talking about finances on this 'show?' You are NOT a financial advisor, to answer your own question with the first caller. Where, in the hell, is Dave?
Thanks for the forecast! I need some advice: My OKX wallet holds some USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). What's the best way to send them to Binance?
@ some of it was during the election when they were talking about some people not wanting to visit with other family members. She said that her and her husband were “connected” and “united” on these things. She didn’t say where she was on the political spectrum, I don’t care, it was the tone of how she said it.
@ also with some of the cheers she talks about her personal journey but it always comes off as talking down. It may just be a personality thing but she comes off as stand off ish to callers sometimes. I do like the bluntness but not every situation is one size fits all.
Sadly the Ramsey show has now turned into a family drama show and they speak very little about finances. Its like a bunch of ppl wanting to get "the tea" instead of getting straight to the point.
![Lp. Сердце Вселенной #60 РОЖДЕНИЕ ЛОЛОЛОШКИ [Финал] • Майнкрафт](http://i.ytimg.com/vi/YoR0pAV9FVQ/mqdefault.jpg)
Had to share with someone! I got a second job to help with paying off my debt. I’m clipping coupons and working the baby step two. I hope to have all my debt paid off by the end of this year. Pray for me!
That’s so cool! I’ll pray for you! It’s going to be so worth it.
Me too!!!!😂
Thats so awesome and super inspiring, Thank You!! 🎉
Getting APPROVED is not a good thing... paying cash and not needing any approval from anyone is where it's at
Shouldn’t need to jump those hoops to begin with
INDEED!!!! Stress and sleep deprivation are diabolical! Thankful I got the guidance I needed.
Good LORD! That first lady! You already know that she is gonna take out that car loan
She was a yapper
The most biggest clue that she is using too much words to sugar coat the crap she is in.
I had to skip that nonsense
@@brianwillis8447no no no no no
No no no no no no no no no no no no😅😂
Just paid off the last of $33K in debt in 15 months……my family is free. Now for the fully funded emergency fund! 6 mos to go.
Congratulations!! That’s so awesome!
Good for you!
This lady is so righteous, intelligent, well spoken and able to communicate with her audience. Oh yeah, and she is gorgeous as well.
Just wanted to say thank you to the Ramsey crew paid off 28k in 6months by working 71 hrs a week for 6months lol
🔥🔥🔥
Wait for the taxes - hopefully that's fully done and dusted but taxes filed on these large sums may be more than you realize.
Excellent, congrats!
Thank your self for sticking to the plan
Gazelle!
The first caller literally drained me so bad. I forgot how much I actually love the Dave Ramsey show for a second
Dave would not have put up with her.
Same! OMGoodness. They were so patient!?
Dave would have roasted her
Dave would have roasted her
Not everyone should be allowed vote...
My two favorite Ramsey personalities. These two are about as good as it could get other than Dave himself.
First caller 100% taking a loan out anyway
😂😂
4 minutes in and John felt like many of us.
When he ran his fingers through his hair I felt it in my soul 🤣
Same!!
Hahahaahhaha John definitely was irritated
Hey and that's why Grace is love, thanks for the feedback
Who is watching Happy New Year🎉🎉🎉🎉
Jade Warshaw Quote of the day: “You can’t solve a problem while simultaneously creating it” love this!
I'm only 4 minutes in and this first lady is driving me fkn crazy.
She can't tell a simple story, leaves out tons of details, has no idea that student LOANS are loans, then was more focused on talking over Jade than actually listening.
That girl is a lost cause. When she cut off Jade and said "no, listen, listen, listen" like no lady, YOU called. YOU listen.
No no no no no no no no no no no no😅😂
I am long winded and hey 😅 sometimes we share more than most feel is needed. Thanks for the feedback
Indeed I called in and thanks for your feedback. Not sure if you saw George's documentary about student loans but it was really informative and validating to my ignorance about taking out loans at 18. Having never been given the knowledge of how the system actually worked, I feel victim like so many others, which is how our Nation has over a trillion dollars in student loan debt.
Something is really wrong with the first caller… seriously 😔
@@always_be_eri Can you say ADHD?
Seriously. Can’t stand her
😮
Nothing wrong, just was a little stressed but happy I called and received the guidance needed
That first lady caller was so annoying. People call this show then proceed to tell THEM, the experts, how it's going to go down! And she droned on and on and on before getting to the point.
Hey, she's a southern gal!
@@tinypeanutsthat has NUN to do with it for sure ! She was all over the place like puke after a New Year’s party sheesh
Like most callers, we give back story we believe is relevant to the situation we find ourselves in. I can totally relate to feeling like some callers give superfluous information but hey lol what do I know really. Thanks for the feedback!
caller 1 - 00:45
caller 2 - 10:20
caller 3 -24:20
caller 4 - 33:45
caller 5 - 43:30
caller 6 - 55:40
caller 7 - 1:16:00
caller 8 - 1:18:30
Happy New Year and thank you for resuming this. 😊
We appreciate you!
Thank you to the Ramsey family of personalities. At 47 , I’m on baby step 6. Haven’t had a car payment since 2013. Have a job with a pension but still save 15%.
I bought my two bed two bath condo in south Orange County in California at the bottom of the market (Dec ‘09) I did regret one thing. Had I taken out a 15 year mortgage, I would have made my last payment today. 😂 I did the thing where I invested the difference. I did pay cash for two brand new cars in that time).Been following Ramsey for about 10 months) I owe about 149,000 left on it (2.9 rate). Think I want this paid off in 3-5 years. I’m really contemplating taking 34K I have in a brokerage account and slapping it down on the mortgage principal….I make about 80K a year. Never married, no kids.
I think the first caller was the most annoying person I've ever heard in my whole entire life.
All year huh lol
Agree...the screening and letting her in was off. 😬
The response to the college fund question - My favorite Dr. Deloney (sorry if I spelled it incorrectly) advice, ever.
My favorite duo hosting!!
Awesome duo. John and Jade! 😀 My favorite hosts!
Definitely powerful DUO!
I had $220k in student loans. I was on the PSLF program. All $220k was forgiven in October 2024. My colleague just received a letter of forgiveness for her loans that were $450k. We both have doctorates in CES. I feel so grateful because I’ve heard on this show that there is such a small percentage of people whose loans are actually forgiven. I’m still in shock that this happened!
BLESSED!!!!!
As a former banker I remember listening to people like caller number 1 😂😂😂😂😂 I would try to run to the back when I see those people 😂😂😂😂
Me too. I hated it. 😂😂😂
I appreciate your feedback…but Grace is a blessing
Why does Jade snicker over having an Android🙁 I’m not paying for an expensive iPhone and I have a really cheap one. It fits within my budget!
Lol, right! I'd rather have money in the bank than overpay for a phone
For the 1st caller, why not take the bus when you can and take uber when you are on a early shift. That should save you some money.
Indeed! I'm actually taking the bus to work, and Ubering back home. The reason why I was so desperate was because I saw how much I was saving and was able to catch up on bills, and it was daunting to go back to paying for rideshare. Hindsight is 20/20 and had I made the poor decision of getting that loan, I would have regretted it. Thankful I called and truly appreciate the real advice you shared.
I wish they would’ve addressed the fact that declaring bankruptcy is screwing people that treated you fairly by lending you money and expecting that you were gonna pay them back.
For this first caller to just cavalierly say well I want to take a pass on all that while I keep spending money is so irresponsible and highly IGNORANT!
While I agree with you on the first caller, I don’t agree that filing bankruptcy in general is mistreating the lenders. Their losses are huge tax write-offs and most lenders aren’t hurting financially.
That's actually not what bankruptcy is and nor was it my sentiment about considering a loan. Thankful I received sound guidance when I was tempted to backtrack like so many that have been extended grace. If you do feel that strongly about bankruptcy though, it may behoove you to get into politics and change the laws.
Caller 1 here Maryam Alima... I appreciate the feedback. It's easy to say what we would do or wouldn't do, but that is why good counsel is a blessing. Lessons are learned through repetition which is why I surmise that most who believe they know and understand debt and finances come back and tune in regularly. Grace and Mercy from Allah are boundless.
Or have your daughters pay for their own college- and I’m not talking about loans. There are scholarships and grants…and there’s also employment. I paid for my own college degree and my children did the same and they value their education because of the fact that THEY invested in it. As a mom, I support them in other ways, like housing when they’re students, food, phone, etc.
Had to fast forward past caller 1 because she was just TOO much…
Wow! Merium was a hot mess! Of all people that needed psychological input, it was she and Dr John went silent. Jade had to control the whole conversation. It was clear that Dr j wanted nothing to do with her call. Then again, can you blame him?
I don't think she would have listened to him. She was hardly listening to Jade
@@rosedewittbukater5763she wasn't going to listen to anyone. I think she just wanted attention. She reminds me of the type of girl that will tell you the worst or most embarrassing thing about her. Most people would keep that thing to themselves but she tells the story because it gets her attention.
She didn't call to get advice. She isn't going to listen to anyone. Has to learn the hard way.
@@rosedewittbukater5763 indeed i listened but thanks for the feedback!
It's Maryam, but thanks for the feedback. Didn't get the loan because grace and good guidance was given. Indeed a good therapy session would save many of us in this crazy world we live in, so I'm totally here for that!
John still misses that guitar 😢
John is out of touch on this one (college fund)..get in reality John. The husband is hiding money to skirt having to help support his kids. She's trying to be fair and reasonable for her kids, where her husband is not. Half his kids...half is expense. Protect your kids, lady!
If her lawyer is giving her good advice so far, then save the money in a brokerage in her own name. I don’t see the integrity issue John is worried about. It’s not the ex’s biz how much she’s saving, where, and for what after the divorce is finalized.
@@PrincessLolly1 of course two women can’t grasp the concept he’s talking about.
I’m gonna deal with this issue with my ex. He already told my daughter that I’m paying for her college 😂😂. But the way I look at it is that at 18 legally neither of us are required to pay so I’ll help as much as I can. He can live with himself if he doesn’t help her at all.
@ that sounds like a good time for him happy for your king
I'm not informed on the legalities of college funding after a divorce, but as someone with 0 dogs in the fight it just seems odd that there would be any legal expectation for either parent. The kids are 18+ by the time college starts, isn't paying for it legally their own responsibility? I don't understand how Mom paying would mean dad has to pay, it should all be optional.
You’re awesome Jade, great show.
Parents don't have an obligation to pay for college unless there is child support involved. This has never made any sense to me.
I feel like this first caller already knew she was going to take out a car loan, she just wanted validation for her bad decision. Good job Jade for sticking to your ground patiently telling her what she needed to hear. 🙂
To the 1st caller (Maryam) - that was fantastic straight-talking advice by Jade.
Indeed, I’m thankful she kept TRUTH right in my face. I was tripping and the guidance was received!
Considering the number of calls where someone is informed that it would be in their best interest to sell their car, it seems that Ramsey Solutions should have a link for anyone who needs Ramsey-endorsed guidance and concrete steps/resources on how to do that.😆
This is such a great idea @The Ramsey Show
At 37 minutes in there is a conversation about an ex-husband and Dr balony calls him a scumbag.
Although this may be 100% true, it drives me absolutely nuts that the Ramsey show automatically call somebody else a name based on no other information. This is just one side of the equation.
In my opinion they do this more in terms of calling men names, but they will also do the same thing to an ex-wife.
They could give the same advice without crapping on somebody else when they have minimal information
Baloney has daddy issues and hates men. His ego loves all the gals looking to him for salvation.
Yeah, but Mommy can fix anything. Just ask her lol. Couldn't fix her marriage though. Good call out on the Ex's whom we never hear their side of the story.
Dave and all the personalities except Rachel like to demonize the men, especially ex-husbands. Their knee jerk reaction is the guy is a horrible person.
@@bettedavis9261 yep! Its bad. Hell, I've even heard some of them to essentially tell guys to suck it up after divorce. When a girl calls, they tell her she's a victim and call the ex husband names.
The First Lady sen my anxiety through the roof 😫 Good Lord lady! Why did you even call? You knew they were going to tell you not to do it. It was like she was flurrying to force an approval from them 🤦🏾♀️
48k n debt. 3 yrs to go. Then im working on my house
Consumer debt?
wow that first caller. I expect people like that to be in debt and get into a spiral in an already complicated and debt encouraging environment like the US. Her "No" gave me ptsd flash backs from my customer care days.
That First Lady, why call in if you don’t want to hear their recommendations 🙄
Jade said, "...five or six different bozos..." when empowering and equipping a lady to settle an old debt. So awesome! Love the humor 😂
“What do we do with extra money?” - Woman with literally no money 🤦🏻♂️
It’s never good advice for one spouse to tell the children that the other spouse is a scumbag, even if he is.
Daniel, you must now close this message. Put seals on the book so that nobody can open it until it is time for the end of this world. Many people will try to understand about these things. They will travel everywhere to get more knowledge.’ Daniel 12:4
Skip the first 10 mins. My god that woman was absolutely intolerable.
🤯
She is going to get a car loan.
@@NODUMBLONDE1 I didn't but thanks for the feedback!
That's one of my favorite words lol wish it wasn't used because I the call but appreciate the feedback.
Serious question. I just read that everything negative falls of your credit in 7 years. If that’s the case why focus on paying off all debts??
Nobody: 21:27
Me: 🔥🔥🔥instrumental
Really? A thousand dollar car? That is essentially a car ready to go to the junk yard.
How can you recommend a car like that to someone who can't manage money and a car that rapidly breaks down?
I like Jade's overall message, but when she over exagerates to make her point, she wrecks her credibility.
They always like to make these super broad and drastic generalizations
So encouraged to hear I’m not the only one stuck back and forth on baby step 1! 🥹
Why didn't Jade ask Cane to go ahead and send the money to his mortgage? or pay bills? why is the money sitting if he owes on his house? confused.
Same. I don’t get why he’s saving to pay it off and not just paying it as he gets money. But I’m not on that step so I dunno…
That was definitely a miss. That 140 minus an emergency fund should’ve been put towards the mortgage. Forced savings plan. That is the baby steps way.
Was looking for this.. she definitely rushed that call not thinking how he’s actually not following the steps correctly. Everything over the emergency fund should be thrown on the mortgage or you end up accidentally buying boat
@@brandonripperger8913 Exactly - wide open door for "murphy" to walk thru.
@@laurab5849 You'll get there! Stay with it. 😄It has been a long road, but I'll be debt free - house and all by February 1. A budget that you stick to is crucial.
25:00 Run, Amanda, run! As fast and far away as you can!
That first lady was not hearing it and shouldn’t have called in.
I literally just asked my YN …”bhe what is this lady actually calling about “
He looked at me and replied “skip head a little bit” 🤣🤣😭😭🤣 and we NEVER DO THAT
Your ex husband is under no obligation to pay for college. At all.
John is wrong about the college savings issue - a court will ORDER parents to do the healthy thing and NOT discuss adult issues with kids. The lawyer should have the divorce decree SPECIFY who pays how much, if anything, for the kids’ college. Surprised a guy with 2 PhDs would suggest one parent bad-mouth the other, even if it’s the truth.
When did he say that she should bad mouth the ex? I think you are referring to when John was calling the guys names based on only hearing half the story. I agree that they all need to stop doing that.
But yes in the divorce documents, all that should be specified and agreed to. I don't understand her lawyer mentioning that as if the ex husband can just change things later on.
I can't imagine a judge looking at it where she put 75,000 into a student fund, the kid owes $100k and the judge says the parents should split the difference. I think this is just a random fear that popped up.
There's also the other idea that 15 years from now, the father has zero dollars. Then it doesn't matter what she wants.
All she needs to do is put the money in a fund that she has control of and problem solved.
It's not bad mouthing. After 11 years of being divorced, my kids know the way their dad and I handle money is different and they know who has the money to help them in situations. Kids aren't stupid.
Good ol john dephony
Just because you don't like someone's personality, doesn't mean they are "phony".
John was 💯 correct on the call with Sara from seattle. Im glad he took that over.
I understand what John is saying, but I think Sarah should just save the money in an account not specified as for education and in the event that she has to pay more than do it on the back end, you do the best that you can for your daughters with what you save, but don't specify as an. Educational camp because maybe her husband will try to be a schister. And pay less. Right now she could be contributing more to her retirement if she knew that her husband was going to do the right thing and pay his share, but his previous behavior has somewhat indicated that he may not do that. So I will save for education unknowingly. To everyone else, hopefully he pays his share and then all is good. But if he doesn't all is good because I've been saving. For that.
I watch the show at 1.3 speed and some of these callers are so SLOW even at that speed!! I can't imagine trying to listen in normal speed. Uggh...spit it out already.
It is not that easy to sell your car .
Most times you get a cheaper car. But then they roll over the different. Because it's not worth the dollar amount because cars are not worth what you owe on them.
Then, when you get a beater, you're turning around and spending 200 to 500 every couple of months having to fix it. I'm a big believer. Pay it off that way. You can have a better car that will last. You longer and more reliable.
I feel really bad for the girl at the 29 min mark. Essentially she's close to breaking up over situations. I recently had to do that when i was dating a very good person. I would rather come home and find out im cheated on than to end a good relationship over circumstances.
That first caller…
I could not disagree with you more about Sarah’s call. She should financially protect herself from her ex-husband. It’s difficult to understand if you have not been taken advantage of by a spouse.
Ugh. Why do they have a cruise ship singer talking about finances on this 'show?' You are NOT a financial advisor, to answer your own question with the first caller. Where, in the hell, is Dave?
Thanks for the forecast! I need some advice: My OKX wallet holds some USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). What's the best way to send them to Binance?
This episode was kinda disturbing :S. The first one was a headcase, the 2nd one seemed so controlling and the third was ropey af.
OMG... Skip... She won't shut up with extrainious crap and justifications..
Good grief, the first caller needs some new meds or something, she really can’t think clearly.
God she rumbles on.ffs
What do we do with our extra money.
Good grief
Easy to see why she is divorced
Omg the first lady....
First Lady is truly annoying.
I feel like the caller is A troll that’s still upset about the youtube shows being cut down from 2 hours 🤣😭 cuz stop playin ain’t nooooo MF way
Time stamp, please.
She is so confused 😅😅😅
Subtitle people: fiancee - the accent goes in the other direction
Why do idiots call with answers, but that's why they are idiots 🎉 like the lady who tried to find a reason to finance a car with 180,000 in debt😂
This is the worst call You have ever How did this even make It on.
Less than a minute in and already realize how annoying the first woman is.
Edit: when the “no no no no no” hit, had to leave.
I love the Ramsey show but jade is just hard to listen to.
She has the “I’m so cool and you are a loser” syndrome
@@Enginshimyou’re simply projecting
Specifically, why do you say that about Jade be specific and give me your reasons why please thank you very much I’m very!???
@ some of it was during the election when they were talking about some people not wanting to visit with other family members. She said that her and her husband were “connected” and “united” on these things. She didn’t say where she was on the political spectrum, I don’t care, it was the tone of how she said it.
@ also with some of the cheers she talks about her personal journey but it always comes off as talking down. It may just be a personality thing but she comes off as stand off ish to callers sometimes. I do like the bluntness but not every situation is one size fits all.
This show sucks now
Sadly the Ramsey show has now turned into a family drama show and they speak very little about finances.
Its like a bunch of ppl wanting to get "the tea" instead of getting straight to the point.