@liftingmysoul yes it is. We can't save every little shithole country that politicians launder money through. Use your fucking brain and read: burisma. Crowd strike.
The lady with the "inheritance" that's not a randomly plucked out of the air number, he gave her exactly 20 times her annual earnings, it's a lump sum pension and if she invests it and follows a 5% withdrawal rate rule it will supply her salary indefinitely.
Listing the number of kids, how on earth is she “doing it my own”. Why is that. Not a dime of support coming in? I have no doubt that will be gone in three years.
How hard is it to believe that her former boss was that generous? He could have been worth $50M+ in the oil business…$1.6M isn’t that unbelievable in that case. She sounds like a genuine single mother. Stop assuming the worse in people!
@@kbanghart not even close, he probably had something in the range of 5-15 million with some hefty debts if he's paying his primary assistant barely enough to take care of her life.
There is no tax owed by the person receiving an inheritance - at least at the federal level. If estate tax is applicable, it is paid before distributions are made to the beneficiaries
I heard the first call before but it's a very heartwarming and refreshing story. The boss clearly viewed her as family and probably realized she was more honest / loyal than his own family (I could be totally wrong of course, but just based on what we can gather from the call)... Kinda reminds me of the movie Knives Out. All his kids were scheming for his inheritance and meanwhile he gives it to his caretaker because she was the only one with a genuine soul. Not sure that's exactly the case here but you can tell she is a nice person just from how she conducts herself during the call.
On the first call... a lot of people believe all rich people are greedy and evil, but if you ever get to know some of them, they're usually very generous. I've had bosses that would literally do anything to help the people that worked for them, sometimes they feel as if they have a responsibility to take care of their people.
17:17 that’s why Dave is just the best. He may clown around a bit and poke fun but at the end of the day he will point out the core of the issue instead of taking cheap dismissive potshots at something he doesn’t understand. I know FOR A FACT that Dave Ramsey is not a gamer and it’s cool that even though he talked about how ultimately video games are escapism and a virtual hobby, they are still a valid hobby if you don’t engage in unhealthy amounts of escapism. Many people Dave’s age wouldn’t draw that distinction or speak in such good faith on something they don’t care for.
That was a huge a blessing with that first caller. I know that man is in a better place. May he Rest In Peace. He was even a great man in death. Wow, I aim to be like that. ❤️
As a gamer, I'm glad to see Dave rail against micro transactions. I just wish others my age understood the asinine nature of paying 10 bucks for an outfit for your character in a game to wear 😑
@@horaciobrown9754 I actually like the way League of Legends does it. The game is totally free, you can unlock characters through game play or you can buy them; and custom skins can be bought. I REALLY like that model because you can play the game completely free. When people charge 50 for the game and then charge micro transactions that is lame.
People always railed on Blizzard for the WoW subscription. I loved it. Until the Blizzard store I had access to everything for $15 a month. I saw it as cheap entertainment compared to other hobbies. The store may be cosmetic mostly, but I think i should be able to earn anything they make in-game.
I worked 10 years for an elderly man, he died at 99. I loved him like a father (mine passed away 30 years ago) he loved me like a daughter. He had no kids or wife but tons of nephews that I never met. He left almost 3M to them. But he included me with 60k . Something I always will be grateful for.. I took 40 and invested it right away in a fidelity fund long term.. I miss him 😢
For the last lady, I cannot imagine going to school for so many years, working so hard, then working even harder to pay off $300,000 of that student debt...just to retire from it all afterwards. Think long and hard about the road ahead before you commit; whether that is going in to become a doctor or leaving it all behind.
I personally know several millionaires & I am not sure most of them graduated high school much less a fancy college! The majority made their money from their own hard work!
On 42:18, 250k for a bachelor's is NOT worth it. I paid just shy of 200k, and even though it was a great education, it wasn't worth every penny. I love my job as a software engineer, and I make enough that I should have my loans paid off by the end of this year. Many of my peers that didn't have their education paid for them aren't as lucky.
With 1.2 Million in her shoes; I would have paid all debt. Sell the old car. Buy a new honda odyssey and purchase a house all cash. And then invest the rest. That would have been great advice!
Alot of rich people do this. As we get older, we realize our family members aren't as value added as our service providers and friends. She was humble and kind because she's a good person and not because she expected a windfall. Great story of generosity that I will mimick.❣
The MD who wants to quit could consider working as a CDI where she is not seeing patients, can work from home using her medical knowledge to assist in clinical validation for DRG validation process. There are several companies out there who do DRG validation and hire MD's in a Clinical validation role.
Was this first lady only his personal assistant? She's a single mother with kids younger than her length of service in the job... More to this..? Or am I being unfairly cynical? I'm not judging by the way.
Cynical. She’s been working as his assistant since she was 24. She was probably young and excited to be there and then essentially grew up into adulthood as his assistant. He probably thought very fondly of her, like if she were his daughter.
When I was a kid, being accused of getting your clothes or whatever at the blue light special was a supreme insult. And this is from kids who were all lower middle class.
Anyone notice how Ramsey's attitude changes 100% when he hears how much money was left and how he got an opportunity to recommend his own ELP to get his own kick back out of the deal?
BTW… it’s ethical and common in for certain personal assistants, if highly regarded by boss and or family to receive a stipend/ upon end of life. Nothing shady, these type of people truly appreciate their assistants
To be fair. A lot of high level firms and companies require high end Ivy League degrees. My uncle is a lawyer at a firm that requires Harvard degrees and nothing else.
That’s when I heard the sweetest voice (Forrest Gump voice) No wonder her boss left her a million dollar this is the nicest person I’ve ever heard and I’ve never met her
The breathless, pearl-clutching lady at 27:32 says, "We have -- are you ready for it -- 1.5 MILLION DOLLARS." And then she drops the mic. Dave sits back with his arms crossed and says, "Yeah? So?" This is more money than this lady has ever seen. But $1.5 million is not that much anymore. It's enough to buy a house, a car, and fund EITHER a university fund or a retirement account. Especially considering she and her husband have another 20-30 years to live.
The Corie lady needs to take the $250k and buy a house. Then take the $1m and put it in 5% div stocks and live off divs for the rest of your life. That will be $60k per year to live on and she can get a part time to pay off debts.
Let me translate the call for the slow. CALLER: "Hello Mr. Ramsey, my Boss died and left me 1.5 MILLION DOLLARS, how could I invest it? Dave: "Well gee wal-lick-ers,... That was awful nice of him. How much did you make when he was alive?" CALLER: "55K" Dave: "Wow, ummm that seems strange, but again that was awful nice of him." CALLER: "Well you see, when he was alive I use to "Do Sometin Strange For A Little Bit Of Change." Dave: "Ohhhh,..." And they say America isn't the greatest Country in the World!!! lol...
Wow that first call is truly unbelievable! My jaw dropped when she said 1.5 million!! I was thinking he left her a hundred thousand which was already incredulous. I was thinking an affair too, but now I feel bad for thinking that lol. I hope she's doing well
When I used to collect comics as a kid, I would get excited when the magazines would publish their spreadsheets on what they were worth. I’d run to my dad all excited that I had one that was worth $10 and he’d sort of scowl at me and say that it was only worth $10 when I found someone ready to pay me $10 for it. Not just because a magazine said so. Virtual things are the same. They’re not worthless if someone is willing to pay for them. I would agree that they tend not to retain their value for very long, and there’s probably a moral discussion to be had about selling them as well. But they do have value.
3 bed , 2 bath for 180 in 2019. Roof was older, AC is 1998 model. The vinyl is older, glass has condensation issues. Builder grade cabinets and bath etc. but it’s my home and i am appreciative. It’s not a instagram home but I’m not paying 2500$ a month either.
The people that are going to Wharton, MIT, etc. probably have parents that drop $250k on their kid at the drop of a hat. This kid might be unhappy about the spoiled nature of his connections had he attended.
Nix the guesswork and scrolling. We’ll connect you with investment pros we trust: bit.ly/3hc6Pgt
What’s happening in Ukraine is NOT this “little thing that’s happening”!!!
@liftingmysoul yes it is. We can't save every little shithole country that politicians launder money through. Use your fucking brain and read: burisma. Crowd strike.
The lady with the "inheritance" that's not a randomly plucked out of the air number, he gave her exactly 20 times her annual earnings, it's a lump sum pension and if she invests it and follows a 5% withdrawal rate rule it will supply her salary indefinitely.
👏 👏 👏
This is truly beautiful and so generous wow!
As an accounting major that just...oh my Lord the satisfaction of how that works, it's like reading poetry.
Beautiful the way that checks out 😍
Listing the number of kids, how on earth is she “doing it my own”. Why is that. Not a dime of support coming in? I have no doubt that will be gone in three years.
The 1st caller's boss had a heart of gold, and no doubt she wasn't the only one he showed kindness to
I agree with you.
HELLO! Ramsey Team. Please use the CHAPTERS feature. Thanks.
Look at what color shirt Dave is wearing
Boomers
Yall are some rude little twerps. Take the FREE information and do what you want. 🙄
@@joshsarchive2650😂
💀💀💀
Dave trying to keep a straight face on the "personal assistant" call 🤣
We all know lmao
That was awkward
I’m guessing those kids might be the benefactors.
She was doing overtime
How hard is it to believe that her former boss was that generous? He could have been worth $50M+ in the oil business…$1.6M isn’t that unbelievable in that case. She sounds like a genuine single mother. Stop assuming the worse in people!
The lady who inherited 1.25 million from her boss earned that sum of inheritance in his eyes
100% accurate
Probably had a hundred million, what he gave her is just to drop in the bucket
@@kbanghart not even close, he probably had something in the range of 5-15 million with some hefty debts if he's paying his primary assistant barely enough to take care of her life.
@@xenn4985 maybe
@@kbanghart maybe more, but 100 million is hilariously out of the ball park.
Do NOT tell anyone about what your boss left you!
People will ask to "borrow"
YES!!! Tell no one!!!!!!!!!!!!!!
Yes, or every brother, sister, uncle, cousin, high school friend and neighbor will be asking you for money!!
Late for that
And they will accuse you of some nasty things, you know..
First caller - make sure you pay your taxes first. Best advice Dave.
Pay the bullies your lunch money so they don't throw you in a locker
There is no tax owed by the person receiving an inheritance - at least at the federal level. If estate tax is applicable, it is paid before distributions are made to the beneficiaries
AND PAY OFF YOUR DEBIT.
I heard the first call before but it's a very heartwarming and refreshing story. The boss clearly viewed her as family and probably realized she was more honest / loyal than his own family (I could be totally wrong of course, but just based on what we can gather from the call)... Kinda reminds me of the movie Knives Out. All his kids were scheming for his inheritance and meanwhile he gives it to his caretaker because she was the only one with a genuine soul. Not sure that's exactly the case here but you can tell she is a nice person just from how she conducts herself during the call.
The boss was probably those children's father
@@FalaqX 😂
@@FalaqX cynical much?
@@FalaqX he hooked up the office wife with some scratch lol
@@wandahaines7143 naive much?
Dave I just inherited 100 million dollars
Dave: start delivering pizzas
SELL YOUR BRAND NEW CAR, ITS DEPRECIATING!
Imagine being able to choose whatever job you want...
😂
On the first call... a lot of people believe all rich people are greedy and evil, but if you ever get to know some of them, they're usually very generous. I've had bosses that would literally do anything to help the people that worked for them, sometimes they feel as if they have a responsibility to take care of their people.
Do you think he was only her boss?
Yea real generous. He took care of her cause she took “real good” care of him
Yes
@@lesterparker1594 that's my first thought as well, however I could just be being very cynical
@@lesterparker1594 so unnecessary to even think that my god.
Love the way Dave handled the first caller. She needed direction and the confidence of knowing she was going to be ok. Such a great call to listen to
One of my favorite calls EVER !
The entire conversation about the "virtual" pigs and games was HILARIOUS!!!
I virtually agree with you
This just shows why The Dave Ramsey Show is on top of the radio stations right now
I love listening to your show Dave for my English listening practice and I thank you for the very high quality and helpful information.
@@lmnop01 lol, there is a e-mail in the description of my channel
@@ArturBerkut teach me Russian so I can speak to King Putin.
Good luck with that one now
@@ArturBerkut
“Can I have a snack? Can I have a snack? Can I have a snack?” 😂😂😂😂 every day!
17:17 that’s why Dave is just the best. He may clown around a bit and poke fun but at the end of the day he will point out the core of the issue instead of taking cheap dismissive potshots at something he doesn’t understand. I know FOR A FACT that Dave Ramsey is not a gamer and it’s cool that even though he talked about how ultimately video games are escapism and a virtual hobby, they are still a valid hobby if you don’t engage in unhealthy amounts of escapism. Many people Dave’s age wouldn’t draw that distinction or speak in such good faith on something they don’t care for.
That was a huge a blessing with that first caller. I know that man is in a better place. May he Rest In Peace. He was even a great man in death. Wow, I aim to be like that. ❤️
She sounds genuinely still surprised. I hope she doesn't rekindle any previous relationships or new ones, focus on herself and the children.
As a gamer, I'm glad to see Dave rail against micro transactions. I just wish others my age understood the asinine nature of paying 10 bucks for an outfit for your character in a game to wear 😑
Exactly people stop buying it will be like to old days play to unlock I could understand for a big in game map but for clothes is ridiculous
@@horaciobrown9754 I actually like the way League of Legends does it. The game is totally free, you can unlock characters through game play or you can buy them; and custom skins can be bought.
I REALLY like that model because you can play the game completely free. When people charge 50 for the game and then charge micro transactions that is lame.
I’m ok
People always railed on Blizzard for the WoW subscription. I loved it. Until the Blizzard store I had access to everything for $15 a month. I saw it as cheap entertainment compared to other hobbies. The store may be cosmetic mostly, but I think i should be able to earn anything they make in-game.
😂😂😂
Dave when he witnesses people who have a heart and are nice "😮 that's an arraignment"
Imagine going through medical school, paying off that debt, and then deciding you don't want to being a physician. 😬😳
I worked 10 years for an elderly man, he died at 99. I loved him like a father (mine passed away 30 years ago) he loved me like a daughter. He had no kids or wife but tons of nephews that I never met. He left almost 3M to them. But he included me with 60k . Something I always will be grateful for.. I took 40 and invested it right away in a fidelity fund long term.. I miss him 😢
I love seeing Dave Ramsey best Moments
That first phone call....dang. I cant even get a small cost of living raise from my boss, much less millions of dollars...lol
That is crazy!!
Same! And I’m related to my boss! 😂😭
@@aleece4 🤣🤣🤣😂😂
She was his "Sexretary"
Have you tried sleeping with them?
@@X9523-z3v for real, she was sucking on the side
"Animal Farm" hahaha, I love Dave but he is such a boomer 😂🤣
I too heard these before. They are great! Some amusing, some funny and some so stupid they are funny. Dave's reaction is sometimes the best part.
For the last lady, I cannot imagine going to school for so many years, working so hard, then working even harder to pay off $300,000 of that student debt...just to retire from it all afterwards. Think long and hard about the road ahead before you commit; whether that is going in to become a doctor or leaving it all behind.
I personally know several millionaires & I am not sure most of them graduated high school much less a fancy college! The majority made their money from their own hard work!
I only know 2 and neither went to a fancy school.
Dave outting himself being so shocked with a boss leaving his employee anything hahah
Dave’s face wondering if he needs to write his EA into his will 😂😂
What a maniac. The first caller. The age of the kids!
I was doing the math while listening 😂
iI hope their dad is paying the child support
All they did was bonk
@@pamelalima5401 He just paid 1.25 million 😁
That virtual stuff was hilarious
Love to hear that 8 out of 10 largest US companies are run by CFO/CEO/COO's that graduated from state schools
On 42:18, 250k for a bachelor's is NOT worth it. I paid just shy of 200k, and even though it was a great education, it wasn't worth every penny. I love my job as a software engineer, and I make enough that I should have my loans paid off by the end of this year. Many of my peers that didn't have their education paid for them aren't as lucky.
Love the story about his grandpa. That's awesome!
With 1.2 Million in her shoes; I would have paid all debt. Sell the old car. Buy a new honda odyssey and purchase a house all cash. And then invest the rest. That would have been great advice!
First lady-must be nice 😬. Even though I thought she was crying at first.
No bacon going to happen 😂😂 10:42
I need to get a job as a personal assistant
🤣🤣🤣
She was definitely her boss lover lol traveling with the boss ha ha Dave read right through that lol 😂
She said she traveled with her boss with his wife and family.
Not everyone is corrupt.
I like how Dave learned what a video game is in real time on air
A lot of people need to hear from another person confirming their own take on what they already know they need to do.
Personal assistant? Sounds like she did something personal alright 😂😂😂😂
Right lol
💯she has been assisting him with his personal needs REGULARLY
41:23 Dave’s grandpa reminds me of Ove, from the book A Man Called Ove (recently adapted into a movie called A Man Called Otto).
I think i need an interior designer and a meta chef to cook for me virtually every day 😂😂😂
Stellar advice on every level.
That inheritance story... I would make sure the family is not scamming her.
Alot of rich people do this. As we get older, we realize our family members aren't as value added as our service providers and friends. She was humble and kind because she's a good person and not because she expected a windfall. Great story of generosity that I will mimick.❣
@@perfectlymprfct Define rich. $20 mil plus net worth?
It would take her over 20 years if she saved every penny from her job to save that much lol. That’s an amazing gift.
Great information
"You married" no "how many kids do you have" 😅
Dave like I aint gonna pay y’all that much hahahaha!
The 1st caller. I hope she can handle the money wisely. Cause she likely will never get another boss like that.
I'm not for living in the metaverse but I'm not going to miss out on the money that can be made in it
Why do people not want to buy stocks when they are down. Its insane. These people are insane.
The want to buy high sell low 😂
Dave with that "Mm-hmmm" 🤣😂😂
Those are the boss kids lol🤣🤣🤣
The MD who wants to quit could consider working as a CDI where she is not seeing patients, can work from home using her medical knowledge to assist in clinical validation for DRG validation process. There are several companies out there who do DRG validation and hire MD's in a Clinical validation role.
Caller: I was his personal assistant for .. years
Everybody: *raises eyebrows*
Pay -To-Win games are the worst, and they have consumed the lives of so many kids.
Was this first lady only his personal assistant? She's a single mother with kids younger than her length of service in the job... More to this..? Or am I being unfairly cynical? I'm not judging by the way.
Yes your are right. Sugar daddy situation.
Well if it is the case, and who knows maybe it is maybe it isn't, fair play to him for taking care of her in his will.
Cynical. She’s been working as his assistant since she was 24. She was probably young and excited to be there and then essentially grew up into adulthood as his assistant. He probably thought very fondly of her, like if she were his daughter.
He saw her as a daughter + she’s a single mom
Bingo
When I was a kid, being accused of getting your clothes or whatever at the blue light special was a supreme insult. And this is from kids who were all lower middle class.
How many of you get those car warranty calls?
I get them constantly!!
Used to be recorded, now it’s a live person.
Me even my car is a 2009
Them kids going to feel entitled soon as they hear about the money 💯✔️
Dave Ramsay doesn’t know what a PA does 😂
Anyone notice how Ramsey's attitude changes 100% when he hears how much money was left and how he got an opportunity to recommend his own ELP to get his own kick back out of the deal?
great advice , thank you
What you fear others pray for❤
“I just have a quick question”
No, you don’t. You’re going to talk for a long time.
lol. That lady at the end did it for me.
Love these clips.
BTW… it’s ethical and common in for certain personal assistants, if highly regarded by boss and or family to receive a stipend/ upon end of life. Nothing shady, these type of people truly appreciate their assistants
Hey Dave, one way to avoid collectors using whatever means necessary to collect your past due debt is to actually pay your bills.
Me laughing bc I think Im different but the Sims havs been screwing me for years.... I NEED IT
He going to some of that money click on his site loll😂
“God’s money” is a wild statement
To be fair. A lot of high level firms and companies require high end Ivy League degrees. My uncle is a lawyer at a firm that requires Harvard degrees and nothing else.
There is lot of other law Company in usa than these require Havard Degrees
The First Lady, just maybe she and her boss had more going on than work. That’s a lot of money for 8years. Maybe 20years or more.
killed that
Nice boss!
That’s when I heard the sweetest voice (Forrest Gump voice)
No wonder her boss left her a million dollar this is the nicest person I’ve ever heard and I’ve never met her
If anyone earned that gift it was her the personal assistant. And that gentleman made sure she was taken care of when he past away.
Love to hear yall talk about bitcoin? It was down 50% at the time of this post 2 years ago? How has it performed since?
Ist caller must have been a real personal assistant. Imagine the call from the wife to her if she was left everything. Whew.
The breathless, pearl-clutching lady at 27:32 says, "We have -- are you ready for it -- 1.5 MILLION DOLLARS."
And then she drops the mic.
Dave sits back with his arms crossed and says, "Yeah? So?" This is more money than this lady has ever seen. But $1.5 million is not that much anymore. It's enough to buy a house, a car, and fund EITHER a university fund or a retirement account.
Especially considering she and her husband have another 20-30 years to live.
The Corie lady needs to take the $250k and buy a house. Then take the $1m and put it in 5% div stocks and live off divs for the rest of your life. That will be $60k per year to live on and she can get a part time to pay off debts.
Let me translate the call for the slow.
CALLER: "Hello Mr. Ramsey, my Boss died and left me 1.5 MILLION DOLLARS, how could I invest it?
Dave: "Well gee wal-lick-ers,... That was awful nice of him. How much did you make when he was alive?"
CALLER: "55K"
Dave: "Wow, ummm that seems strange, but again that was awful nice of him."
CALLER: "Well you see, when he was alive I use to "Do Sometin Strange For A Little Bit Of Change."
Dave: "Ohhhh,..."
And they say America isn't the greatest Country in the World!!! lol...
That virtual furniture needs to be illegal
LOL! I love this!
Wow that first call is truly unbelievable! My jaw dropped when she said 1.5 million!! I was thinking he left her a hundred thousand which was already incredulous. I was thinking an affair too, but now I feel bad for thinking that lol. I hope she's doing well
Came Apart !!!!
I’m sorry but i paid 29,000 for school. I have paid exactly 2k of that debt off in 5 years lol
Regarding the Dr. call. Why is medical school so expensive? Every Dr that calls in has 300k in loans
One, because it takes 8 years.
Two, because the schools charge more because they expect grads to make more and can repay the money.
When I used to collect comics as a kid, I would get excited when the magazines would publish their spreadsheets on what they were worth. I’d run to my dad all excited that I had one that was worth $10 and he’d sort of scowl at me and say that it was only worth $10 when I found someone ready to pay me $10 for it. Not just because a magazine said so. Virtual things are the same. They’re not worthless if someone is willing to pay for them. I would agree that they tend not to retain their value for very long, and there’s probably a moral discussion to be had about selling them as well. But they do have value.
Love it!
love the farnville story, lol.
I'm thinking it's Minecraft. I doubt there's that much money in Farmville anymore 🤣
Deffo fsrmville, remember the craze back a day about growing farms. Minecraft you don't pay for a pig 35:23 @@melTAMU11
Where the hell are good homes for under 200. You are buying a foreclosed home or one you can't even live in where I'm at
Then she waits. What's the hurry to spend her money?
3 bed , 2 bath for 180 in 2019. Roof was older, AC is 1998 model. The vinyl is older, glass has condensation issues. Builder grade cabinets and bath etc. but it’s my home and i am appreciative. It’s not a instagram home but I’m not paying 2500$ a month either.
The people that are going to Wharton, MIT, etc. probably have parents that drop $250k on their kid at the drop of a hat. This kid might be unhappy about the spoiled nature of his connections had he attended.
I got a 2010 Japanese car in 2011 for 12k. It's only cost like 1k in repairs in 10 years.
Nice 👍
Yes. I bought a new Toyota corolla in 2014. Oil changes, tires, changed front brakes once so far. Fingers crossed.
Any retribution if my Navient loans are paid off?