Some of these stay at home moms I think could manage one season with one car. I had a friend years back and they did the same thing. They sold one car, her husband took the other vehicle to work. There was another stay at home mom in the neighborhood and they buddied up. If there were medical appointments for the kids or shopping / errands, they would go out together with their young children and bang out the errands and other things that needed to be done with the other woman that had the vehicle. Now, of course my friend paid for some gas but this arrangement actually worked for over a year. Sometimes people stay home for a few days and don’t leave the house. They don’t realize this but that vehicle at times sits in the driveway for several days in a row so for the long game it could work. I think with proper planning and pairing up with someone else in the neighborhood it works. It worked for my friend.
Cannot waiiiiiit to go to Money & Marriage! Our anniversary trip from my husband plus 4 extra days in Nashville. Pro tip: grow with your spouse…don’t just go with them. Plan things that will grow you as a couple. Invest in your marriage!
For the caller with whose a mechanic and wife is a stay at home mom debating on selling cars or not, couple/family time is also important!!! Uber/door dash together on Sunday. Tag teaming it is easier. That’s what my parents do and they are able to make more money. One handles the phone, getting out, etc. and the other focuses on driving. Plus they spend time together while driving 💜💜
This!! I love Ramsey & we followed him, BUT we prioritized date nights & family time. It took us a little longer but we invested in our marriage F I R S T & busted through debt hand in hand because we connected on dates & neither of us worked ourselves to death or left the other with the kids all the time.
1000% agree. Too many people love to show off their wealth when they are in debt, depressed, and in distressed. I heard a coworker said that he owned a million dollar home in Malibu, but he had a debt over 11 million! I thought to myself, you are a rich poor person.
I think men really need to get it out of their minds that public proposals are romantic. I think most women think of that as a more private, intimate moment between the two of them.
ADHD-for finances you have to gamify it. Put everything into an app. Several of them are very good at reminding you of recurrent expenses. All of them show you your progress over time. Use tech to your advantage.
Adam…. Sell those two vehicles Hyundai, Toyota, and Honda make some beautiful cars. I own one! My brother-in-law has a 2002 Toyota truck. It has 280,000 miles on it. He just refurbished the bed with junkyard parts and it looks brand new! By the way he makes over 200,000 a year.
Been constantly considering selling my GTI after watching Ramsey. Made me feel like I was driving too nice of a car, but its so damn reliable and Im had Rachel agrees. Bought in 2019 for $15k at 50k miles. It may or may not have a bigger turbo and some other goodies 😉
When the cohosts began, many missed points the Dave would have made. And they were important points and questions. I often hoped that they would have a cheat sheet so they didn't miss anything. Rachel is perfect! She asks all the pertinent questions before she gives an answer and she's gracious and her advice is always just like Dave'a is why I like her so much. It took me a while to like Deloney because in the beginning he would make a diagnosis because of one word in a caller's question. He doesn't do that anymore.
Love the show. Love y'alls energy together. But, please for the love of Pete stop interrupting each other as well as the callers. It's really taxing to listen to.
Regarding selling the truck/boat...pay off the student loans now..Then off of your net after tax $...pay off the truck/ boat...buy a house with $46,000..maybe small house..
Two best days of a boat owner's life...day you buy it and the day you sell it. Boat is a toy...an expensive toy. Get your futures going and then buy a boat if you desire. Do that and they could retire before age 60.
I always think about what Dave said which is you buy a car to impress people at a stoplight that you don't know. I don't know if it's because I'm a woman, but when I see a car, unless I see the emblem, I have no idea what I'm looking at and I have no idea what year it is. To me it's jusy a means of transportation.
Congrats of your writing goals John! I am rooting for you to get your second number 1 best seller and for you to continue your writing mission. Keep strong and stay motivated brother! Every day plays a part in your journey! Don't forget to remember!
13:41 it's easy to tell Katie to "sell the house," but since she's not on the deed, she's not an owner (even though she's on the mortgage). She has no say in the matter. She can't sign a listing agreement to sell the house OR sign documents on the sale. Only her parents can, as they are the owners. She can walk away, but if her parents stop paying the mortgage, Katie is liable for it, since she's on the mortgage. Please correct me if I'm wrong.
I came here to see if someone said this ⬆. So sad. She has no rights to the property. I'm not even sure how you get a mortgage without being on the deed though so she might need to do more research here. Wishing Katie good luck though.
@@dianem4188well, you can be on a car loan, but not on the title. Kind of similar... you're liable for the payment, but you're not an owner. It's a sad situation. Poor Katie.
I would cut ties with those parents completely and get some sort of protective order. Parents doing that to their children is the most ridiculous thing. They should be ashamed of themselves
Nobody: John Delony: “Your body can’t breathe and you’re so so scared, I just want you to know that I’m proud of you. Hey, can I be brutally honest with you but we can still eat nachos after?”
I have an unpaid medical collection that’s really hurting my credit score. They have sent me a letter saying they will settle for 400.00. It’s too late for them to sue me but I really want it removed. If I pay for less will it remain on my credit? I hate to pay it for no reason. I’m in disability and can’t really afford it but I am also wanting to buy a home in the next yr
You may not be a long time listener. Dave will tell you to settle and to not worry about your credit score because you don't need one to get a house. And he would be concerned about you owning a home if you can't afford to pay a $400 medical bill at this time. He would tell you to pay the bill, start saving a three month emergency fund, and then start saving a 20% down payment for a home. And to make sure that the mortgage is not more than a quarter of your take home pay. it's so expensive to own a home. Best of luck to you.
@@brookelondon8029 I am already working on my emergency fund, I almost have it fully funded which is why I cant really afford the collection, most my extra money goes to fund the emergency account and on my daughters braces. The collection is an old account that just now showed up, it actually will fall off in about 2.5 yrs. My concern is paying it and then it remaining on my credit. So basically I would have paid it for no reason since it’s past the time that they can even sue me for it. Im also a single father of a 15 yr old. I’ve never understood how one could even get a mortgage with no credit. First thing they all do is check your score and the better score you have the better rate you get.
If you're on disability, you're likely on a low income that you can't increase without losing the disability. If you can't afford to pay a $400 bill, I don't see how you can afford to buy a house.
The first 20 minutes they took 1 call and never even set the dude straight. He left the conversation with the exact same attitude and question he had when he called. These guest hosts need to tighten it up.
Rachel’s first response was before the 3 minute mark and she clearly said she’d advise using the savings to pay off the debt. They just let him tell more of his story and discussed different options after that. If Rachel ended the call after his very first question, people would say, geez, you didn’t even let the poor guy talk. All that to say: not every call is going to be perfect for you. 😊
Love the show! Just one comment on caller who owes his wife $50k 1:19: If she's on the mortgage, paying her $50k isn't going to remove her from the title. Paying her $50k and she may still be entitled when/if you ever sell!
I need clarification on your advise about selling the car? How would I sell my car if I had the loan going on still? Can you talk about how we can do that? Just so you know, guys I'm fascinated by your advice. God bless you all.
The same as being on a car loan but not on the title. The two things don't necessarily go hand in hand. The mortgage company doesn't care if a person on the loan is on the deed to the house, nor does the county where the deed is filed care who is in the mortgage.
First caller why would you take on a mortgage with all that other overhead! I’m gonna say politely this is probably a new listener…….we’ve all been there……pay down the debt!
One of the cohosts talked the other day about what it really costs to own a home. Often people only look at the cost of rent versus the cost of a mortgage but they forget about everything else.
Locking into Florida universities? Can’t imagine telling my kid they need loans if they want to attend a school in 49 other states (the $64k payout won’t go far in the year 2040).
@@Nigriffnot the definition of a narcissist smh and if you honestly think John lacks empathy then you need to go to a counselor. John is literally one of the most empathetic and , kind guys you will ever meet. Far from narcissistic and when he tells stories on the show it’s him relating so the caller doesn’t feel like they are alone, John is amazing period!
@@margie909No, you did not read that correctly. I said if you truly believe Delony doesn’t have empathy then you need to go to counseling to learn what empathy is because it’s a good skill to have. Don’t read into anything that’s not there!
Some of these callers make a lot of money. But they have no financial or common sense. U have accumulated so much stupid debt. Did u even think that u could lose your job tomorrow? Then u could become homeless. No job is guaranteed.
Thank goodness for this show. Many people have never gained any financial advice from anyone and his foundations class is only taught in half of the high schools. If the parents have no financial acumen, chances are the kids won't either. During the pandemic, only half the people who filed for unemployment nationwide got it. $400 billion was stolen. People with mortgages who lost good jobs due to the closures were destroyed.
@@AZ-ze9of First of all, $4000 x 12 is only $48,000, not $100,000. Secondly, there was a young family on here recently with 2 children making maximum $50k/year (before taxes) and paid off their house and all debt on their way to be millionaires.
Many years ago I was taught to multiply the cost of something by the year rather than by the month. $400 a month for cable equals $2400 a year equals $24,000 in 10 years. A $500 car payment for seven years is $42,000 on a depreciating asset. Eating out once a week at $50 a week is $2400 a year. You have to look at the little things that really hot up. People making $100,000 often think that they are millionaires and live like ones. They have no idea of the better life they could lead if they lived on less and they would find out just how much money they could save for retirement. Thank goodness Dave is around to give advice!
I thought the same thing. Someone else suggested that perhaps she could share the use of a car with a neighbor but what if there's an emergency and the neighbors not home.
@@brookelondon8029Who said that? That’s asinine. They have jobs. They have their own lives. Idk why some of these followers think we just go borrow cars. If I had no car, I’d be screwed. My husband manages a huge hotel & our oldest is in school. If I needed to leave in a hurry, I’d be completely screwed. If my son needed to go to the hospital (not by ambulance) I’d have to wait 30 minutes for my husband to get home SPEEDING & still about 20 for my MIL to get here.
I just have to stop watching. Every time JD is a cohost or host, it's like therapy session for him. He talks a lot about his life. I guess to make it relatable to the caller?? Or he just likes to hear himself talk.
What he said on the show today was very eye-opening for me. Everyone I know who majored in psychology had very traumatic childhoods or different diagnoses which led them to erratic behavior. I think they wanted to understand why they were the way they were. He does recognize it in others. and frankly a lot of people would rather go to a therapist who's had issues because they feel that they can relate better to their issues.
He relates to the caller so they don’t feel as bad. We’re taught that in school. It’s literally a 101 topic. You have to be able to relate. People feeling less alone heal faster.
George said somethings so insulting to one of those writeI-in callers that I almost cried. A woman in her 50s talked about her boyfriend finally coming on board with the Ramsey plan. She had been with him for eight years. She wondered if she should marry him or live with him if he wasn't on board with Ramsey. He basically said to get off the ladder and get married, he told her men don't get married if they can get sex for free, and he joked and basically made a fool of her. What he doesn't realize that many people in their 50s have been burned by divorces and are hesitant to get married and sometimes just look for companionship. That could have been the case. I have been friends for years with divorced men. Not friends with benefits, just someone to hang with and hopefully they'll find somebody and perhaps I will as well. She asked an honest question about being with someone who wasn't on the plan. I have always respected George's answers about jobs in jobhunting and assessments and the proximity principle. But I will never listen to a show again if he is on it. He owes that woman an apology. He doesn't have to do it online, but I'm sure they keep records of who has calls and he needs to Get in touch with her.
I was more drawn to her than Dave originally. His harshness turned me off the Ramsey way at first. Listening to the some of the back shows of every other personality taught me enough to not be turned off by Dave. Now I enjoy his tell it like it is, even if I think he’s kinda mean sometimes.
These shows make me feel better about my finances situation.
Lol! Right!?!?! ❤😂
Some of these stay at home moms I think could manage one season with one car. I had a friend years back and they did the same thing. They sold one car, her husband took the other vehicle to work. There was another stay at home mom in the neighborhood and they buddied up. If there were medical appointments for the kids or shopping / errands, they would go out together with their young children and bang out the errands and other things that needed to be done with the other woman that had the vehicle. Now, of course my friend paid for some gas but this arrangement actually worked for over a year. Sometimes people stay home for a few days and don’t leave the house. They don’t realize this but that vehicle at times sits in the driveway for several days in a row so for the long game it could work. I think with proper planning and pairing up with someone else in the neighborhood it works. It worked for my friend.
Amazing! It's just people are selfish and greedy
Worked for my parents..if there wasn’t someone in the neighborhood my mom took my dad to work and picked him up
Literally had one car until my kids were teens as a stay at home, homeschooling mom. It's not untenable.
Cannot waiiiiiit to go to Money & Marriage! Our anniversary trip from my husband plus 4 extra days in Nashville. Pro tip: grow with your spouse…don’t just go with them. Plan things that will grow you as a couple. Invest in your marriage!
John and Rachel? What a crazy duo! so much fun time but still on point 🤌
For the caller with whose a mechanic and wife is a stay at home mom debating on selling cars or not, couple/family time is also important!!! Uber/door dash together on Sunday. Tag teaming it is easier. That’s what my parents do and they are able to make more money. One handles the phone, getting out, etc. and the other focuses on driving. Plus they spend time together while driving 💜💜
This!! I love Ramsey & we followed him, BUT we prioritized date nights & family time. It took us a little longer but we invested in our marriage F I R S T & busted through debt hand in hand because we connected on dates & neither of us worked ourselves to death or left the other with the kids all the time.
50% of your income on cars 😮 even at 330k. 150k in cars is INSANE.
1000% agree. Too many people love to show off their wealth when they are in debt, depressed, and in distressed. I heard a coworker said that he owned a million dollar home in Malibu, but he had a debt over 11 million! I thought to myself, you are a rich poor person.
Of course John came up with the marriage proposal on stage 😂 That would be epic, but Rachel reigned that back in real quick lol.
I think men really need to get it out of their minds that public proposals are romantic. I think most women think of that as a more private, intimate moment between the two of them.
@@wandajuul5150yes! Public proposals are just gross.
I noticed John took over the buttons to make his suggestion. Has he ever commandeered the controls when Dave was in charge? Just asking for a friend.
I loved how Rachel shut down that marriage proposal suggestion. Private proposals over public every time!
Love when Rachel hosts!!
Me too!!!❤❤❤
ADHD-for finances you have to gamify it. Put everything into an app. Several of them are very good at reminding you of recurrent expenses. All of them show you your progress over time. Use tech to your advantage.
Adam…. Sell those two vehicles Hyundai, Toyota, and Honda make some beautiful cars. I own one! My brother-in-law has a 2002 Toyota truck. It has 280,000 miles on it. He just refurbished the bed with junkyard parts and it looks brand new! By the way he makes over 200,000 a year.
That's great! Someone making 200,000 a year is actually making $1 million in 10 years. He will be a multimillionaire before you know it. Good for him!
Closing costs, moving expense, realtor fees and downsizing from 350k to 300k isnt really going to save a ton
Been constantly considering selling my GTI after watching Ramsey. Made me feel like I was driving too nice of a car, but its so damn reliable and Im had Rachel agrees. Bought in 2019 for $15k at 50k miles. It may or may not have a bigger turbo and some other goodies 😉
Thanks. This episode was worth my time 😊
Man, I love John's energy! Also, I am so impressed with Rachel. She is a fantastic host and is so knowledgeable!
When the cohosts began, many missed points the Dave would have made. And they were important points and questions. I often hoped that they would have a cheat sheet so they didn't miss anything. Rachel is perfect! She asks all the pertinent questions before she gives an answer and she's gracious and her advice is always just like Dave'a is why I like her so much. It took me a while to like Deloney because in the beginning he would make a diagnosis because of one word in a caller's question. He doesn't do that anymore.
Walk away NOW from using parents. Can't list a house without the parents signature. STILL WALK OUT..DO NOT CONTRIBUTE ANOTHER DIME...
Love it when John and Rachel host together!!!!!
John seems like such a nice guy.
Having met Dr. John at an event I can tell you he is the kindest, most down to earth public figure I’ve ever met. He is amazing and so genuine!
So do a lot of scammers.
Name checks out with taste
Love the show. Love y'alls energy together. But, please for the love of Pete stop interrupting each other as well as the callers. It's really taxing to listen to.
Regarding selling the truck/boat...pay off the student loans now..Then off of your net after tax $...pay off the truck/ boat...buy a house with $46,000..maybe small house..
Two best days of a boat owner's life...day you buy it and the day you sell it. Boat is a toy...an expensive toy. Get your futures going and then buy a boat if you desire. Do that and they could retire before age 60.
I feel like John always speaks over the main hosts, especially with Rachel
Why would people who make great income with crazy expensive car loans want to chose to keep the cars instead of their house???
Some people are more interested in status of a fancy car than being smart. Can't have the guys in the office see me in a civic
I always think about what Dave said which is you buy a car to impress people at a stoplight that you don't know. I don't know if it's because I'm a woman, but when I see a car, unless I see the emblem, I have no idea what I'm looking at and I have no idea what year it is. To me it's jusy a means of transportation.
People don't see your house - you think people are impressed with what you're driving!
Great content.
Great show Rachel and John!
Congrats of your writing goals John! I am rooting for you to get your second number 1 best seller and for you to continue your writing mission. Keep strong and stay motivated brother! Every day plays a part in your journey! Don't forget to remember!
John 'I can't breathe' Delony
😂😂
Well, he does say that quite a bit. 😂 This comment made me laugh.
He should carry an oxygen tank with him 😂😂
13:41 it's easy to tell Katie to "sell the house," but since she's not on the deed, she's not an owner (even though she's on the mortgage). She has no say in the matter. She can't sign a listing agreement to sell the house OR sign documents on the sale. Only her parents can, as they are the owners. She can walk away, but if her parents stop paying the mortgage, Katie is liable for it, since she's on the mortgage. Please correct me if I'm wrong.
Move out and walk away. Tell yourself that was a db azz decision
I came here to see if someone said this ⬆. So sad. She has no rights to the property. I'm not even sure how you get a mortgage without being on the deed though so she might need to do more research here. Wishing Katie good luck though.
@@dianem4188well, you can be on a car loan, but not on the title. Kind of similar... you're liable for the payment, but you're not an owner. It's a sad situation. Poor Katie.
She needs an attorney
@@bettedavis9261 it still didn't make sense though. I can't borrow money against your house so how is she not on the deed. Maybe I'm just dense. 😆 LOL
I hope Chuck gets to stay in his house. 😊
13:24 kick the parents out. Rent the house out. And go rent a small place
I'd put the parents in a retirement home and never visit in that situation
I would cut ties with those parents completely and get some sort of protective order. Parents doing that to their children is the most ridiculous thing. They should be ashamed of themselves
Can't kick the parents out, only them on the deed and only Katie on the mortgage, she needs to sell the house and kick them to the curb.
Sick and tirednof being sick amd tired of debt.
The mechanic Jordan: could his wife watch a kid or two, seeing she's a SAHM?
Haha a show about saving money advertises Oracle software... those guys make Microsoft look like angels
For the lady with the Fl house and GA I don’t think Dave would have given that advice
When is the cruise coming back?
When are you guys coming to NYC area??
Loved it 😍
Nobody:
John Delony: “Your body can’t breathe and you’re so so scared, I just want you to know that I’m proud of you. Hey, can I be brutally honest with you but we can still eat nachos after?”
👍🏻
Hey he has a PhD & you don’t, peach.
@@OopThereItIs77777 He actually has two PhDs, plum. Don't mistake my comment for disrespect - I love John, strawberry.
@@kevinomalley1521 I know. Better than just 1! I prefer, peach & boysenberries though. Smooth attempt!
The mechanic working 60 hours a week making only 50k needs to get a different boss or be his own boss.
I have an unpaid medical collection that’s really hurting my credit score. They have sent me a letter saying they will settle for 400.00. It’s too late for them to sue me but I really want it removed. If I pay for less will it remain on my credit? I hate to pay it for no reason. I’m in disability and can’t really afford it but I am also wanting to buy a home in the next yr
You may not be a long time listener. Dave will tell you to settle and to not worry about your credit score because you don't need one to get a house. And he would be concerned about you owning a home if you can't afford to pay a $400 medical bill at this time. He would tell you to pay the bill, start saving a three month emergency fund, and then start saving a 20% down payment for a home. And to make sure that the mortgage is not more than a quarter of your take home pay. it's so expensive to own a home. Best of luck to you.
@@brookelondon8029 I am already working on my emergency fund, I almost have it fully funded which is why I cant really afford the collection, most my extra money goes to fund the emergency account and on my daughters braces. The collection is an old account that just now showed up, it actually will fall off in about 2.5 yrs. My concern is paying it and then it remaining on my credit. So basically I would have paid it for no reason since it’s past the time that they can even sue me for it. Im also a single father of a 15 yr old. I’ve never understood how one could even get a mortgage with no credit. First thing they all do is check your score and the better score you have the better rate you get.
If you can’t afford a $400 bill, you can’t afford to buy a house.
If you're on disability, you're likely on a low income that you can't increase without losing the disability. If you can't afford to pay a $400 bill, I don't see how you can afford to buy a house.
The first 20 minutes they took 1 call and never even set the dude straight. He left the conversation with the exact same attitude and question he had when he called.
These guest hosts need to tighten it up.
Rachel’s first response was before the 3 minute mark and she clearly said she’d advise using the savings to pay off the debt. They just let him tell more of his story and discussed different options after that. If Rachel ended the call after his very first question, people would say, geez, you didn’t even let the poor guy talk. All that to say: not every call is going to be perfect for you. 😊
@@bluebelle9572 lol. Thanks.
Love the show!
Just one comment on caller who owes his wife $50k
1:19: If she's on the mortgage, paying her $50k isn't going to remove her from the title. Paying her $50k and she may still be entitled when/if you ever sell!
George: don’t give her anything until she changes her attitude.
Always get a prenup
I need clarification on your advise about selling the car? How would I sell my car if I had the loan going on still? Can you talk about how we can do that? Just so you know, guys I'm fascinated by your advice. God bless you all.
You have to come up with the difference to get the title to the new owner
If I made $330,000 I could be baby step 7 in only 3 months.
How did they get a mortgage but not be on title?
The same as being on a car loan but not on the title. The two things don't necessarily go hand in hand. The mortgage company doesn't care if a person on the loan is on the deed to the house, nor does the county where the deed is filed care who is in the mortgage.
I never knew about that either.
Ibdrive pruis c, but upside-down
First caller why would you take on a mortgage with all that other overhead! I’m gonna say politely this is probably a new listener…….we’ve all been there……pay down the debt!
One of the cohosts talked the other day about what it really costs to own a home. Often people only look at the cost of rent versus the cost of a mortgage but they forget about everything else.
I dont understand why he needs to pay off his student loan and turn around and pay his wifes. Why could she pay off her loan herself before marriage.
I agree, I wouldn’t pay off someone else’s debt from before marriage.
Adam from phoenix, I’m guessing his wife is not going to be on board with selling her beemer and living what she will see as a lower standard.
*bimmer
Locking into Florida universities? Can’t imagine telling my kid they need loans if they want to attend a school in 49 other states (the $64k payout won’t go far in the year 2040).
Uh oh! Debt on a boat!
I’m starting my doctorate and John reminds me of me so much
A narcissist? He always makes the show about himself
@@Nigriffnot the definition of a narcissist smh and if you honestly think John lacks empathy then you need to go to a counselor. John is literally one of the most empathetic and , kind guys you will ever meet. Far from narcissistic and when he tells stories on the show it’s him relating so the caller doesn’t feel like they are alone, John is amazing period!
@@flashthecorgi2053 you just told someone they need counseling because their opinion of Dr Delony differs from yours. Did i read that correctly?
All Americans are narcissists. @@Nigriff
@@margie909No, you did not read that correctly. I said if you truly believe Delony doesn’t have empathy then you need to go to counseling to learn what empathy is because it’s a good skill to have. Don’t read into anything that’s not there!
Some of these callers make a lot of money. But they have no financial or common sense. U have accumulated so much stupid debt. Did u even think that u could lose your job tomorrow? Then u could become homeless. No job is guaranteed.
Thank goodness for this show. Many people have never gained any financial advice from anyone and his foundations class is only taught in half of the high schools. If the parents have no financial acumen, chances are the kids won't either.
During the pandemic, only half the people who filed for unemployment nationwide got it. $400 billion was stolen. People with mortgages who lost good jobs due to the closures were destroyed.
A couple making 100k shouldn't feel desperate
That’s only $4000 a month
@@AZ-ze9of First of all, $4000 x 12 is only $48,000, not $100,000. Secondly, there was a young family on here recently with 2 children making maximum $50k/year (before taxes) and paid off their house and all debt on their way to be millionaires.
its more like 6k a month
@@Dre_Mylove not take home with taxes insurance and retirement.
Many years ago I was taught to multiply the cost of something by the year rather than by the month. $400 a month for cable equals $2400 a year equals $24,000 in 10 years. A $500 car payment for seven years is $42,000 on a depreciating asset. Eating out once a week at $50 a week is $2400 a year. You have to look at the little things that really hot up. People making $100,000 often think that they are millionaires and live like ones. They have no idea of the better life they could lead if they lived on less and they would find out just how much money they could save for retirement. Thank goodness Dave is around to give advice!
Mileage js
😊😊😊
⭐️⭐️⭐️⭐️⭐️
can anybody help?..how do i start a podcast where ppl can call
in?
Get a phone, and start streaming on UA-cam.
Do not leave that stay at home mom without a car.
I thought the same thing. Someone else suggested that perhaps she could share the use of a car with a neighbor but what if there's an emergency and the neighbors not home.
@@brookelondon8029Who said that? That’s asinine. They have jobs. They have their own lives. Idk why some of these followers think we just go borrow cars. If I had no car, I’d be screwed. My husband manages a huge hotel & our oldest is in school. If I needed to leave in a hurry, I’d be completely screwed. If my son needed to go to the hospital (not by ambulance) I’d have to wait 30 minutes for my husband to get home SPEEDING & still about 20 for my MIL to get here.
First callers gonna put that 70k down on a 500k house next week and keep making payments on everything forever
John, please cut back on the "dude", "bro", and "man" (especially when talking to women). You're not in college any more. 🤫
Nah bro, he can call us man. My son calls me bro. Who cares. You’re still 8 & hating
John thinks he's "friends" with people he talks to on a call for 2 minutes. 🤔
I think you’re taking it too literally, he’s speaking figuratively.
John is a drama seeker... he tries to make things more desperate than they are
I just have to stop watching. Every time JD is a cohost or host, it's like therapy session for him. He talks a lot about his life. I guess to make it relatable to the caller?? Or he just likes to hear himself talk.
What he said on the show today was very eye-opening for me. Everyone I know who majored in psychology had very traumatic childhoods or different diagnoses which led them to erratic behavior. I think they wanted to understand why they were the way they were. He does recognize it in others. and frankly a lot of people would rather go to a therapist who's had issues because they feel that they can relate better to their issues.
He relates to the caller so they don’t feel as bad. We’re taught that in school. It’s literally a 101 topic. You have to be able to relate. People feeling less alone heal faster.
Jodi don't walk away from your relationship with your Mom!! Actually you can do that!! She's still your Mom!!! Bad advice Dr John!!!
You can’t choose your parents, but “family” is an earned title.
Another day with no Dave.......bye.
Go away. You will not be missed.
George said somethings so insulting to one of those writeI-in callers that I almost cried. A woman in her 50s talked about her boyfriend finally coming on board with the Ramsey plan. She had been with him for eight years. She wondered if she should marry him or live with him if he wasn't on board with Ramsey. He basically said to get off the ladder and get married, he told her men don't get married if they can get sex for free, and he joked and basically made a fool of her. What he doesn't realize that many people in their 50s have been burned by divorces and are hesitant to get married and sometimes just look for companionship. That could have been the case. I have been friends for years with divorced men. Not friends with benefits, just someone to hang with and hopefully they'll find somebody and perhaps I will as well. She asked an honest question about being with someone who wasn't on the plan. I have always respected George's answers about jobs in jobhunting and assessments and the proximity principle. But I will never listen to a show again if he is on it. He owes that woman an apology. He doesn't have to do it online, but I'm sure they keep records of who has calls and he needs to Get in touch with her.
So we won’t be seeing you then. Dave’s gonna not be around forever & THESE are the people who will be hosting. Go cure your hemorrhoid
Real Talk here. She should never host a show; she isn't dynamic enough. Frankly, even as the co-host, she just doesn't deliver.
Well you can forget about that lol She’s family and will continue to host! I like her !
It's good to hear all hosts lead. Great dynamics. ❤
I was more drawn to her than Dave originally. His harshness turned me off the Ramsey way at first. Listening to the some of the back shows of every other personality taught me enough to not be turned off by Dave. Now I enjoy his tell it like it is, even if I think he’s kinda mean sometimes.
she is wonderful
Nah she’s one of my favorites
Pappasitos is legit
❤ this show