Normal Sucks! You Don’t Want To Be Normal | April 9, 2024
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- Опубліковано 29 гру 2024
- The Ramsey Show (April 9, 2024)
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Dave Ramsey & Rachel Cruze answer your questions and discuss:
"How can I help my father handle an inheritance?"
"When should we pause Baby Step 2?"
"How much should we spend on a vehicle?"
"Why does Dave hate SoFi?"
"What should I do with money in savings?"
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Dave and Rachel combo. I’m in everytime
Dave & Rachel are gold together.
😅 😅😅Dave yelling and Rachael calming him down
The daddy daughter banter, I just wanted to pull up a chair and a bowl of popcorn lol
I love how Rachel is the only co-host who will stand up to Dave 😅
Haha yes. Rachel has zero fear of Dave, we love to see it 😆
Most adult children learn to push back on their parents respectfully. I loved seeing their relationship in this way. lol she’s def his kid.
It's alot harder to fire her lol
I mean the dynamic helps
That’s her dad and ceo
But for the others Dave is the boss and ceo
This is the problem with this show. George Kamel is so tense it is uncomfortable to watch.
“If nobody sees this purchase do I still want it?”
Rachel, this question completely changed my ENTIRE purchasing habits. Thank you!
This is a question that NEVER entered my mind.
She definitely made a good point!
I absolutely love the episodes with Dave and Rachel 😂
Same 😂 my favorite part is how Rachel reacts when Dave goes on a rant
1:21:00 God bless Aaron and his family. This call is the reason Dave can't retire. He has the wisdom and life experience to guide these kinds of calls
Man, this show is awesome. I wonder how many people myself included our praying for that man with cancer and his family
Me... Please Jesus heal him. PLEASE
😢 That caller broke my heart.
seriously 😢
🙏🏾😢
Even a thought is a prayer
52-year old guy and the debt-free stories and screams get me almost every time…congratulations Sam!
Thank you!😊
I am a 38 black female millennial, and Dave cracks me up! He is funny without trying and just tells it like it is!
I'm curious as to why you felt the need to put your race in the description instead of just calling yourself a 38 yo female?
@@johnnymichael1804who cares really. She did it some people do that it is what it is. I mean it's just one more descriptor there was no real reason to say age or gender either
@@johnnymichael1804Because it's mainly conservative white Trumpsters in here
@@tylercampbell6365more like people who are trying to be smarter with their finances
I like being able to picture who's talking. The more details the better!
1:22:14 Aaron I pray for you and your family. You are so strong and a wonderful dad and husband. May the Lord gives you good health and life to see your kids grow ❤
At 49:05 Dave and Rachel discuss something that I have been needing to hear for a long time now. I have money related PTSD from my childhood, growing up in poverty, that I have always struggled with to this day. Thanks a lot Dave and Rachel. You guys are awesome and have seriously impacted my life for the better.
I am excited that Sam's fiance was transparent about the expectations he set for himself and therefore could communicate clearly to Sam. I love Sam's drive, journey, and intention. You go ma'am! WINNING!!
Thank you! ❤
Lol 😅 my 1 year old daughter and 7 year old son are humming the Ramsey Show theme song 🎵 🤣 😂. That's how you know I watch this show everyday.
creepy
Bless you Rachel , you make me smile , you and your father make me smile, with the little banter you have, and you still bring that beautiful smile to calm it all off 😂😂😂😂, bless you😁👌
The best part of this episode was how hard the fiance was clapping for the girl at the end. You could tell he was so proud. What a good man, and a great woman, they are going to have such a good life!
Man, this poor young woman, Alison, is so wrapped up in fearing she'll never meet someone as loving as her BF. Thank you for speaking truth to her - he is not worthy of her. Perhaps he will get his act together, but don't give up your life and money for a guy who's not working with you and isn't fully transparent. She deserves so much more.
In one ear and out the other I’m afraid
I've learned that the way you do ANYthing is the way you do EVERYthing. If he isn't taking care of himself or his money...he Definitely won't take care of her. And what I'm talking about has nothing to do with money. She knew what to do before she made the call, it's just painful.
How do we know she's worthy? Short call, she could be a terrible person. And even if she isn't, the scenario Dave described, with this young guy making the national average salary and showering her with gifts and worshiping the ground she walks on... Is that really a healthy relationship? Treating women like goddesses to be worshiped? That call pissed me off. A young guy got thrown under the bus because he's not a millionaire at 22 and spending every cent on some random chick in LA.
Catching up on these shows on my commute to work, what an emotional roller coaster the episode was. Highs and lows. Very inspiring all around. There’s a reason I’ve been listening for the last eight years!
The only good thing about time-shares is when your grandma bought into one (sucks for her), is on her last month of her contract with it and gifts you a free week stay for your honeymoon in Puerto Vallarta! 😅 We did have $100 stolen right out of our locked safe in the room......but everything else was great! Tons of fun and memories with a couple adventure companies there! 😘 we endured the tour with the time-share agent to get a free, amazing breakfast buffet and free couple's massage!
Yessss what Rachel said THERES MANY MORE like him but BETTER ❤
Re first caller, I went for legal advice to try to help save my parents from a huge financial disaster and the lawyer said as long as they're compus mentis (no dementia etc),, the best thing you can do is go and live your life. So I did 😊
Rachel is right, if mom adds daughter as an autherized user on her credit card and then maxes it out or misses a payment, it effects the daughters credit score the same as the moms.
Authorized
Rachel may be right but this daughter would be added as an owner. Otherwise it would not show up on daughters credit report. Daughter doesn't get the bill so how would she know what was owed unless she received a bill.
So proud of Sam and her fiancée. She took the bull by the horns and dug in. Would love to hear what made the fiancée debt focused. Congratulations to you both🎉🎉🎉🎉
Rachel has the most concerned face I’ve ever seen. 😂 She’s a doll.
Binge watching this on my maternity leave the best advice!! And Dave is iconic
The authorized user is so much easier than that. Dispute with each reporting agency as "not responsible for this debt" That's all it takes.
How do you survive cancer three times with three minor children, be TWO YEARS into a fourth go at stage four cancer, and NOT already have a will?
Perhaps I’m more cynical than I even think I am because I didn’t readily see the “kindness” or “nobility” in Jennifer’s concern for her father’s inheritance, but more a desire to potentially shore up her own financial future. It’s not necessarily a bad thing, but let’s stop pretending altruistic motives prevail. It is what it is.
I had to listen at 2x playback because of her use of um,um,um….😅
Watching generational wealth disappear right in front of you when you know how to carry it is fucking disgusting but you gotta go create your own … I understand Jennifer
As the "financial" guy of my family even as I work on my baby step 2, my family talks to me about these kinds of things. It can be rough to try and help people when you feel under qualified.
Maybe I'm cynical too because it sounded to me like she wants to do the same thing she's worried her dad has done. Like wants him to make sure the inheritance goes to her
Guuurl! I heard that!!!!!
Love Dave and Rachel together!
The Dave/Rachel dynamic is the best thing on this channel.
I love that Rachel trolls her dad and makes him mad on purpose. Plus her smile is amazing 😁
Hey Dave, tell us how you really feel. 😅 I love when you get fired up!
It's so normal for the government to take our money. It's crazy how we don't even bat an eye when someone says the government took half of the estate
The government always take money, usually in the form of taxes. Especially the ones that shouldn't even exist. Total theft.
I definitely have batted my eyes, that's why we have a trust to protect our assets for our kids.
Something else to think about for Allison. These controlling types tend to try and remove you from your support system. Going to Texas, I assume, would make him the only person you know locally. Probably this is not a good move for you.
Absolutely. My mom taught me that this is one of the signs of a controlling/abusive man.
It does shows on my credit score when my husband put me as authorized.
Friends of mine were in the exact same situation as the couple looking to buy the car. Her parents disliked him, judged everything they did. They got married last year of college and unfortunately they haven't talked to her mom in 20 years except at a few family events (funerals/weddings). They are happy and successful, but the only reason was she was willing to disconnect from that relationship. It is a hard choice, but they told her mom, either let us live our life, stop attacking us or we are done with you. She continued and they said no and excluded her from their life.
Allison, you say you don't know what to do - you DO know what to do. Learn from the last relationship. Open your eyes. RUN from him!
Liar Pretendzi
Rolling batteries 😂😂
I love you Dave! I love your passion for time shares 😂 I agree they are bad news.
Praying for Aaron and his family 🙏🏽
I love Dave and she’s like why are you yelling at her? He’s just yelling because he’s mad and that’s how I get everybody’s like don’t yell at me. I’m like I’m not yelling at you. I’m just mad.
What does "she's like," "everybody's like" and "I'm like" mean in this context?
Funny, how Dave thought Rachel told on herself with the ‘funny codes’.
I disagree holding debt payments for 6-9 months while waiting for a baby would only be 50bucks. If they delay paying back 15k the interest would be more like $700+
Probably true, but still the appropriate move.
Rachael looks so good this show. Glowing almost!!!
I love when Dave and Rachel are on. I hope Daniel comes on the show with Dave or Rachel someday.
36:41 I LOVE Honda CR-V Diesel ❤❤❤ Very Good Choice. My 2005 Honda CR-V accompanied me for 330.000 km I drove myself and the former owner drove it 100.000 - so it had 430.000 under its belt. I still miss it 😅
Best quote ever- they only understand a 2x4 to the face 😂😂😂
Metaphorically
I’m from Evansville love hearing people from the same city doing well having success 😊
I just do not understand why the GOV needs to take so much from the citizens even though the money was taxed when earned... How many times does the same dollar get taxed? I know I can not change it but it amazes me so many folks are ok with that. The GOV is drunk on our over taxed money. I guess because so many of the citizens do not want to work or feel entitled and want the GOV to take care of them from cradle to grave?
I love Dave, all the crew and Financial Peace! Thank you.
I love that Rachel is the only one who stands up to her dad 😂😂
She is the only one whose job doesn't depend on it
@@pamsmith1665 exactly!!
This was a great show for many people to learn from. Love Proverbs
If I ever meet Dave I need Rachel to be there 😂
Alison already knows what her answer is she just needs to hear an affirmation. You can hear it in her voice.
Lease car or time share 😂😂😂, Rachelll😂😂😂😂
Zac from Dallas, very sharp young man, great catch. Don’t let people make you do stuffs you wouldn’t want to do. Don’t worry about impressing people
I wish there was a UK version of the everydollar app 😞
I don't know why you can't use the free manual entry one and keep your receipts and enter expenses every day. Just pretend the $ signs are pounds or Euros for anyone living overseas. It's the principle of allocating money for expenses in various categories, doing a strict daily recording, and then seeing what is left and figuring out how to use that money in advance each month. What would not be possible is the automatic slide-over from financial institutions in the paid version because those financial institutions are not attached to the every dollar. However, you can do exactly the same thing with an Excel spreadsheet, which I did for years before Every Dollar became available.
I use Emma, it’s close to every dollar
That is so exciting to see that young lady pay off her debt you go Sam you are the bomb girl
The day somebody tells me my financial situation is none of your business but yet we’re moving in together
Yeah, you’ll be moving down there and I would be following you
Hang on I think that’s what happened to my cousin. That’s right. He moved to Florida and I never followed.
Sorry to hear about the guy diagnosed with stage 4 terminal cancer. Dr. David Brownstein has some UA-cam interviews where he talks about the benefits of iodine. Hope this helps. Blessings.
Following and listening from the UK. Dave, come to the UK advising the British public, I think you’d be a great guest on the Podcast called Diary of a CEO with Stephen Bartlett.
Love the UK 🇬🇧!!! The US Air Force sent me there in 2002!
@@TheCookieFranco when Dave talks about Roth IRA or 401K, that’s the only bit I don’t understand because we don’t have those over here. I’m guessing, but is one some kind of pension? And is the other similar to what in the UK is called an ISA? Over here we have ISAs that are just savings accounts where you don’t pay tax on the interest made. We have cash ISAs which are just the same as savings accounts except you don’t pay tax on the interest and then separately to that people can have a stocks and shares ISA where you put money in that is invested in the stock market. Again you don’t pay tax on whatever it makes.
@@TheCookieFranco some bits of the UK are nicer than others.
I visited NY in 2013 and I loved it there. I think it was the first time in my life that someone said they liked my accent. 🤣🤣
Do you have superannuation in the UK? That’s what we have in Australia for our retirement fund
To anyone reading this, this logic applies to that friend or spouse of yours too, you can’t teach someone who doesn’t want to be teached, so move accordingly
taught
@@Trustbutverify2651grammar nazi!….lol. (Correcting the grammar was my first thought too 😅
Aaron in Oklahoma City, you’re an amazing man. You really touched my heart. I believe in miracles too.
Praying for you Aaron 🙏🏼🙏🏼🙏🏼🙏🏼. Miracles happen everyday. May it be Gods Will that you have a speedy recovery. 🙏🏼🙏🏼🙏🏼
The guy with cancer. God bless him and his family.
Not me crying at Rachel’s book announcement and how proud she is of it 😭😭😭🩵
We have a wise old family saying. FREE IS GOOD!
LOL
Sam is adorable. Her fiancee has done well, and did well by her (by encouraging her to pay off her debt before he proposed).
Dave and Rachel cracking me up 😂😂😂😂😂
Being "normal" is definitely unique and rare in today's world
Ugh. Timeshares- the worst
Way to go Zach! They should be thanking their lucky stars their daughter is marrying so well.
LOL @ Rachel yelling at Dave
I do thank you for the content. I personally try to do everything my self so it may not be good enough for perfection but pretty damn good. Poured alot of pads and sidewalks. I pour and saw/screed to get level and float bring the mud up. Bull float and hand finish with towels so it looks good. I think it works well for these pads. Of course if it sets up too fast I am working very hard and fast. I keep the pours managable for me or for a helper if I have one. I would like to know what the benefits of a power trowel, time? Quality? I have poured large jobs in sections my self (bays). For most garages/shops and large patios works. No structural issues. Learning more and more! Thanks.
The Ramsey Show, Yay! I liked this video so much, it made me smile!
A authorized user does show on the credit report, so if the parent or spouse uses the credit card stupidly it impacts the authorized users credit. Dave is only correct in that the authorized user isn’t liable for the debit.
authorized user does in fact show up on the credit bureau. I see it everyday in my job as a finance manager in the car business. Often indicated by an “a” listed by the account.
❤You are just one of the lucky ones...but sometimes life throws us a curveball🙏
That sofi caller was interesting… almost like someone from the company calling in lol
Idk. I'm a So-Fi user and don't understand why anyone would have it out for them, so I thought it was a good question. 😂
They sell debt, but oh well, every bank sells debt.
Just don't take it out, nobody is putting a gun to your head. 😂
I use their HYSA and Roth IRA cuz they match. Their app and customer service is good. Works for me lol.
The only personality that can rail Dave in is Rachel 😂 love it 😍
rein in, not rail in
Rein
Or were you going for reel?
Wills go through probate also. Complete a trust to make sure government keeps their hands off your money
28:12 could’ve sworn I heard this exact argument a couple weeks ago
The father daughter dynamic is so entertaining to watch haha
I don't care what the doctors say Aaron's beaten it before he's going to beat it again. God bless him he's a tough guy.🙏🙏🙏
It's bring dad to work day 😅
Dave and Rachel are my favorite combos 😂
Every single bank is in the business of making money, even the small town bank. I really don't understand Dave's point while he was responding to that SoFi question... If I have to keep my money in a bank I might as well pick whichever one gives me the best deal on my savings account. I do keep an account with a regional credit union too but I keep my emergency fund in a high yield savings account since the local banks just don't have a competitive rate.
Donor Advised Funds allow you to donate money to a charity holding, getting the tax deduction in the year you get the income, and then you decide later where to donate the funds all while the money makes money.
Thank God Dave came to work again today
Haha the scratch her and I’m dying inside got me 😂
For Victoria, more than likely you’re an “Authorized User” if you check your credit report it will say the account is either: individual, joint, or authorized user. If you’re an Authorized User you can call the lender and tell them you want your name removed as an Authorized User. I just did it for some credit cards my ex had me listed on.
The credit cards are not her serious problem. The time share she also signed for is.
😂😂😂 they’re so alike! Talking over each other and not one person stops. They just keep going until they’re both done with their statements 💀
Dave is wrong about the authorized user in credit cards. It shows in your credit report and doesn’t specify when you pull the credit whether you’re the owner or authorized user
100% with Dave. Rachel is nice and helpful. But dave is what's needed. Stop limiting him or calling him out. He built the empire. Sorry I'm over evaluating. I'm sick of this overly nice culture to not offend someone. Welcome to life. Things suck sometimes.
Agreed. I don't care what the studies say, negative reinforcement can be very healthy sometimes. My most formative experiences were dealing with very negative situations. Dave calls a spade a spade, and it's really annoying when Rachel keeps cutting him off with pointless niceties.
Dave is on one today!
I love the debt free testimonials 🎉🎉🎉
SoFi has a 4.6% savings account, and they don't charge for transfers. Good enough for me
Yup
Yeah, I don't agree with every company that I have investments with so I don't get Dave's point here... I have a SoFi account because it was the best savings account rate I could find and that's it.
I am authorized user on my wife’s credit cards and they all appear on my credit report.
Please come to Lincoln, Nebraska!! There's 2 Barnes and Nobles!
“The only thing id do is go after the time share business the only way they understand and that’s a metaphorical 2x4 to the face”🤣🤣🤣🤣 Never change Dave👏👏👏👏
To bad it was wasted because she willingly signed up for the time share
Too