Why the Pain of Financial Infidelity is Deep | October 9, 2024
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- Опубліковано 13 жов 2024
- The Ramsey Show | October 9, 2024
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John Delony & George Kamel answer your questions and discuss:
"I have $160K of debt, should I file for bankruptcy?"
"How do I grow my income without missing family time?"
"How can we reduce our monthly expenses?"
"I have a low-paying job in an expensive state,"
"My husband put us $180K in debt,"
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I'm usually critical of John, but I have to give you major props for stopping the guy from incriminating himself on air. Thanks, Doc!
Maybe we can be friends after all.
But he’s already a convicted felon.. nothing spared there
@@scapegoat413He said he has an active case so there is absolutely stuff that could have incriminated him there.
I came across your channel through this video-
case studies are incredibly valuable, and I'm eager
to see more in the future! Building wealth involves
establishing routines, like consistently setting aside
funds at regular intervals for smart investments.
You're correct. I think the smartest way to go is
to spread out your investments. By putting
your money into different asset classes like
bonds, real estate, and stocks from other
countries, you can lower the risk if one part of
the market goes bad.
That sounds like a good plan. In the past two
years, working closely with a financial market
specialist, I've built a six-figure diversified
stock portfolio. Now, I aim to diversify even
more this year.
I'm a newbie how can someone know a professional broker when legit once are hard to find this days.
Ms Martha Ann Hammerton was my hope during the
'bear summer lost year . I did so many
mistakes but also learned so much from it
I was skeptical at first till I decided to try. Its huge returns is awesome.
Never thought I would say this but 1st caller absolutely should file bankruptcy because his minimum payments are more than he makes in a month and he lives with his parents. But first sell the frickin insane car. He is boxed in with his felony as much as the hosts don’t want to really admit it.
As big of a mess as the first caller is in, I’m really proud of him for calling in! Turn your life around man!
Forgive me if this is a dumb question, but why wasnt the first huy told to sell the Tesla and buy a £5K car instead?
So kool to actually be part of this live stream, saw my self on the video, did a tour around the Ramsey building ❤ you both Dr. John & George
I hurt for the first caller. When someone shows you their true colors BELIEVE THEM. I hope you’re able to find peace with the Lord and a wife that loves and won’t be cruel to you.
it was nice being part of the live stream, it was great guidance given to Cruz staying in expensive Phoenix. Let me know why are people usually so attached to their jobs that they get locked up to think that there can be something better on the other side of the coin
The restaurant guy just wants to know what a Roth is, and how to invest. You guys weren’t listening, then you both just started to enjoy hearing yourselves talk
John talks way to much trying to create his own stories of everyone’s situations
@@brandonripperger8913well, he HAS experienced every single thing every caller has experienced. Or if not he, a friend or family member has.
A owner of 2 businesses , 400k , 1.1 in debt and u don’t know how to start a Roth IRA , that’s scary
Totally agree! They created a story for the guy and he finally just gave up and accepted the story.
@@northtxrealtor now he's stuck with 30 days of bedtime and walking his wife 😆
Hey Cruz my "average" buddy was making over $75k at Circle K gas stations in Phoenix, which are huge there. Health care, vacation and all!
Wth , as a cashier or sm?
I hope they gave the first caller some free products to help him out, such as Every Dollar or a one-on-one session. The hosts often seem to give free resources to those who don't need it as badly as some of the other callers, and I don't understand why.
Great show!
I hope that first caller was given financial peace and every dollar to help budget and get direction for his money. Just telling him not to file bankruptcy was certainly not enough
I completely agree. I thought Cyrus made an incredibly difficult call and sort of got some "keep your chin up" advice. I wanted them to spend more time with him.
That was a caller that really needed Dave and Jade
He prob should file bankruptcy. He has no assets so it'll be no credit for the next decade basically but he doesn't need it. Just work and stack
The thing to check on the land is any zoning and environmental assessments, if development is restricted or blocked for whatever reason the land is not as valuable
Great advice to Thomas, of being intentional with his purchases rather than buying emotionally that the way to win, Thanks
The $400,000 caller "buried the lead" as George says. Mic drop at the end. Get out of debt = peace.
That dude just called in to brag. He had no reason to call into the show making $400,000.
Simpin ain't cheap, gentlemen! Don't become the dork with $150k in debt for a woman you aren't married to!
It doesn’t hurt when you’re not married 😂………..I’m lonely 😞
Who’s the first caller? You are a SIMP😢 please move on with your life… you’re young to have taken on all that debt plus a kid with a worthless woman… get some solid men around because if I bet that woman doesn’t even respect you
"BEYTAH MALE" - Jesse Lee Peterson
hilarious thank you for another great show
When i was crazy on the cards, the most i had on them at any time was like 4 or 5 thousand or so
Plus a car loan i had all the time
I just can't relate to putting like 40 or 50 thousand dollars on cards.
It's just insane.
These are people not keeping track of their bills and, in some cases, not even opening them.
Not if you never intend on paying it ;)
I understand the premise behind telling people to go get a job, etc. But please stop saying that Target hires at $20/hr in Phoenix, like you did today. My spouse is a Target store manager here locally, and they absolutely do not start out entry level at $20, they start at $16. And while on the subject, we'd like to see you find a well-running $5k car in Phoenix that also doesn't need a significant repair. Please, stop acting like it's so easy everywhere to do this or that. Each city is unique, and it's no secret that Phoenix has fallen behind average salaries for many positions, compared to national averages. Glassdoor will show you that much. It's why doctors and innovators leave Phoenix. Our news had a story on this the other day. You guys should spend a couple days each month in a new city/state to understand each state's pain points.
NO kidding! And I've never understood the reasoning behind their advice to "get a beater." I don't know many cars that are "beaters" that don't need repairs that are costly, unless you happen to be a mechanic and can fix them.
@@Trustbutverify2651 You can find "beaters", they are everywhere. I snatched up a 2008 Elantra with only 140k miles with a blown transmission for only $500. Had it towed to the transmission shop and come to find out it needed a front axle. So front axle, 2 front tires, and an oil change later I had a reliable beater for less that $2000 in total.
@@Trustbutverify2651 here’s a better advice: Don’t buy a beater but also don’t buy brand new. Buy a car returned from a lease or a car on liquidation. Make sure it has at least 6 months of warranty left - most of those cars do, and get it serviced while still in warranty. Those cars are usually 3-5 years old and have at least 10 years left on them. They aren’t as cheap as a beater but some are 30-50% cheaper than brand new.
Alternatively buy a display/test drive car. Dealerships give those away for peanuts, they have full warranty and very low mileage.
RIGHT ON agree absolutely agree 1000% right on way to go the point about $20 an hour no way I applied at those stores. You’re lucky if you started 15 or 16 thanks for making everything clear thank you.
It’s Dave’s “brand” a few years back before Covid it was a $1000 car.
My husband has never had a car that was more then $1000.00-paid in cash. I think he has had 5 of them in the 16 years we have been together. Yes they have windows that might not work etc... but he sells them for $1000.00 when he is ready for a new one. It does take a little while and alot of asking around. So it is not impossible. Me on the other hand want my AC to work etc... 😄. I am working off a car loan currently and the reason i watch the Ramsey show. Convinced myself my kids needed a safe car 😊. The cheap car with cash is possible it just sux 😂
Some guy calls asking about how to make more money and deloney goes “ you don’t love your family man” 😅🤣🤣 entertaining show
Why are they so hard on not filing bankruptcy
I feel the guy trying to create generational wealth. I want to do that too, leaving my Roth 401k in a family trust... but i dont know crap about them. lol any suggeations on how i learn about them? Amd how to set them up
Talk to several Ramsey approved investment professionals who will teach you.
Don't be asking advice on the interwebs. Look up a local advisor and have a sit down.
For a family trust you need an estate attorney who specializes in that.
Yes on their website are local Smartvestors (financial advisors) who do free consultations
@striperkid ramsey trusted professionals are allover. You search via your zip code.
I like this duo as hosts together
Dude with the 400K income, the Restaurant, Jiffy Lube and whatever else he had just wants to hear himself talk. I fast forwarded through his call after about five minutes of his BS lol.
Dude was a clown 🤡. Waited to the end to admit his $1 million in debt.
Wait, what! Lol, clown is an understatement. Dumba** would be about right.
He was the worst.
And this the more reason why I feel investors should be focusing on under-the-radar stocks, than a real estate and considering the current rollercoaster nature of the stock market, Because 35% of my $270k portfolio comprises of plummeting stocks which were once revered and i don't know where to go here out of devastation.
Sell out bro. The stock market isn't for you.
At 11:00 when it comes to money, I'm in a group chat with 2 other guys and all we talk about in that chat is investment strategies. We all share our investment portfolios and try to help one another so yes, you can find a close group to talk about money with.
Can I talk to you guys? I need ppl like you
Lmao he said he doesn't do the social media and he said take the break from social media.
Jhon Delony really is pretending to underatand evrything. He don't
Gotta applaud John for asking the giy making £400K how much he owes....1.1 MILLION!! Jheez! No wonder there's an urgency to make more.
Costco accepts credit card now😊
1:22:39 what she can do is pay for an option to buy the land. If I were the seller I’d take that deal.
The way I’d structure it would be give me 10% per year for the option to buy the land.
So I’d take the 2900 take it off the market for a year and if I don’t get the rest of the money to buy it by the end of the year I put it back on the market.
Speaking as a seller.
As a buyer I’d do that deal because ain’t no way I’m getting financing on a property only worth 29k and I’ll know for sure within a year whether or not I can afford it. If the option expires and I don’t have the cash just chalk it up to stupid tax. Biting more than I can chew.
Why is Baloney such an asshole to George
Where's Jade😮?
I love Jade!!! She's so smart and so personable.
She got fired
@@buckybarnes3803 No way. Liars don't make it to heaven!
...somewhere else for this episode...
...somewhere else for this episode...obviously...
These two guys suck! Where is Dave Ramsey's bring him back!!! Or i am done watching this bullcrap💩
Bad advice Dr John!!! Don’t work seven days a week -work six days a week that’s what Father Yahweh gave us to work and the seventh day is a day of Sabbath a day of rest & Worship whether it is Saturday or Sunday we need rest and we need rejuvenation but yes, you can work six days 12 hours if you like to get out of that debt but never do seven days.
So yall basically told the first caller to keep working? 😂 Lousy advice. I only watch this show to listen to the callers and peep in what they do for a living lol dave probably has the best advice and thats probably
Definitely feel like the ball was dropped on the 400k/year call. Dude was trying to be entertaining more than give advice and listen lol
I want to see Dr. John's guitar collection, I'm thinking its all custom shop.
Bruh, let the h*e go. You’re paying for his boyfriend’s new lives and such.
Alex seems to be lying -- in every, possible, way.