Get Up Off Your Butt and Live Your Life!
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- Опубліковано 30 лип 2024
- The Ramsey Show (July 9, 2024)
Dave Ramsey & Ken Coleman answer your questions and discuss:
"I have a decent job but can't afford my lifestyle,"
"How do I get out of the financial mess I'm in?"
"Should I be worried about a lawsuit?"
"We are drowning and my wife can't work,"
"What's the best way to save for a vehicle?"
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I’m a truck driver. No rent no car. Banking every check for 10 years. I’ll have 500k. Planning on paying cash for everything by the time I’m 45
You’re killing it!!! Congratulations ❤
No life also
Banking or investing? If you invest it, that will be a million in 7 years even if you don't add to it.
@@mbmhill4708 small price to pay for a better life then what I grew up with. Mother passed away in 2022. Been rough. My dad would always tell me nothing in life worth having ever comes easy. I don’t have significant other. Doesn’t meant I don’t have a life. I have family I still visit and I get to see the world. While saving money. Couldn’t ask for more
@@rachelkruse9087 that’s just from my income from my job. I have about 64k in debt, I take home about 53k a year no expenses. I plan on paying my debt off in a year and a half. While just banking the rest. I don’t want to get a mortgage. I’m in a good position to be able to wait and pay cash for a house.
It is still amazing to me how people still don't understand the difference between gross revenue and profit. And it's usually people who own businesses
To the guy asking how to get through law school with no debt… HAVE YOUR EMPLOYER PAY YOUR TUITION. My job is currently paying for my law degree. Most firms and corporate companies will pay for tuition
Dave can you run for a president and fix the mess we live in ?! We all will vote for you .
Now that is something I can agree on
No sane person would ever want that job. That's why we always have such terrible candidates. That job attracts insane and corrupt people.
He hates Congress!😂
Dave- “Is your goal to be wealthy?” lol
"I make 25k a year can do I afford a 400k mortgage?" 😂🤦🏻♀️
You can do anything you put your mind to.
He's finagling his income on his LLC to pay less taxes. 25k income, then paying a substantial amount less on his companies profits taken as dividends. He just got embarrassed and gave up at the end of the call for a quick death 😂
Lol u got this💪🏾🤦🏿
You go girlfriend!! 😂🎉!!
I make about that much a year. I rented out a room in my home to help pay bills and save money. Now I'm debt free with a 500,000.home paid for.
You can do this. 🎉
I know a nurse who makes $100k as a case manager and she works from home. Not sure if that’s the proper route for Jonathan’s wife or if it is a viable option but it could be possible if she can no longer do floor nursing.
Agreed! Insurance companies, law offices, telehealth, this nurse has a blessing as a career! I just think the shock of this diagnosis is scaring them into decision paralysis at this point. But they’ll be doing A OK in no time 😊
I’m a Rn working at home for a health insurance company making $116,000. Base + $10,000 yearly bonus. No more floor nursing for me!
Hi. Im also an RN, how did you do it? And what company?@@jjkatz
The lady from Canada with the toyota only has 88,000 miles. Why is she looking to buy a new car. That's low miles!
I was thinking the same thing
@@JacksonvilleTammy She initially said it would last 5-10 more years. She just wants to build what she is calling dedicated spending which sounds like a sinking fund.
Man.. I must be out of it.. I'm debt free with paid off house and have a 2012 camry with 110,000 miles and have no intention on selling it. Maybe she can sell it to a babystepper.. that just seems silly to sell a decent car like that
This was such a waste of a call. She can drive her current car until she dies if she wants. That car will easily outlast her!!
i drove my used 1997 corolla until i sadly had to send it to the junk yard for pasts with 290,000 miles. i then paid cash for another used 2015 corolla and plan on driving this car until the wheels come off. save and invest that money instead of getting a newer car every few years. your future self will thank you for doing that.
You can go anywhere you wanna go if you just keep walking. Hit the nail on the head.
Daniel from LA.....lol, Dave hung up on you because you ran everyone in circles. $25k a year salary and wonder why you can't nab a mortgage?.....lol
😂
So with the guy who’s wife is a nurse who is suffering with epilepsy. Is there a reason he couldn’t find himself a higher paying job in two years, rather than applying for jobs on her behalf to keep her working? I get she still wants to work, but there was a way bigger conversation here and I think we got caught up in the hysteria. This man makes 30k a year. He should be focusing his energy on raising his income especially when her seizures has been stressed induced. You want to take some stress off of her, make more income. Debt should not be your focus until you do, especially with losing so much of the household income.
Great point! They should’ve asked what he does and coach him.
I subscribed after Dave and his organization set up HAYOVEL to use their facilities in Franklin, Tennessee after the first venue canceled. Bless you all, bro.
💙🇮🇱
1:23:00 I’m an RN and work with several nurses that have seizure conditions, she can absolutely find work in the field making the same money. It’s not bedside care, more like caseload management, supervisory positions. It’s more paper pushing than bedside care but it’s low stress and an excellent income.
Managed care hires nurses both to do case management and utilization review and the pay is good, usually from home.
Yes. Insurance companies, research universities, research companies, as well.
Somethings not adding up with that life insurance guy. How were you a financial advisor if $8500, which you seem to be able to knock out pretty quickly, has your panties in a bunch?
More to that story, for sure
Liking this episode solely for Ken sharing his experience in Barbados.
Uhm.. Michelangelo painted the Sistine Chapel. And he was 33 at the time.
As soon as he said that I was like…..ummm….Michelangelo Dave lol 😂
Dave hates duplexes, he is for sure consistent. 🤣🤣🤣
Great show as always. Thank you guys
Thank you helping us with great financial advices!
Sending love from Toronto, Canada 🇯🇲 🇨🇦
For Jonathan with the RN wife -- Look for Remote Utilization Manager jobs! There are plenty of jobs available. And base pay is typically 60-70k salary. With usually good benefit plans.
It constantly amazes me the number of callers who ask Dave or one of the personalities if they can afford for their spouse to stay at home, but when asked if they can afford to live solely on the other person's income have no clue. It's as if that concept never occurred to them. It's not rocket science (or surgery, as Dave would say), people! When it's suggested to try living on just the one income for a couple of months or so, they are reluctant to try it. The unsaid reply is, to me anyway, that they don't think it would be tenable.🤷🏼♀️
If she fell dead today they’d find someone! No one is irreplaceable! I love how Ken deals with Dave’s
shenanigans in overtaking him.
That’s what one of my first bosses told me. Everyone is replaceable.
I am a nurse and I hate 99% of the job, the people, the system, the only thing I like is my paycheck and my co-workers. If they would leave my job would get 100% more and hard so I would probably quit and go somewhere else for less money
Ken knows what he is talking about 👏👏
For grad school, what you want to do afterwards affects whether you need a name brand school. The big NY law firms, for example, are hiring out of top law schools only. It really depends what your goals are. And I absolutely DO check where my doctors went to med school before I choose them. I also think the Ramsey team forgets to mention for undergrad (not grad schools) that the top schools have need-based financial aid out of enormous endowments that often makes them less expensive than state schools for families earning below ~$200K, regardless of what the "sticker price" is. If you can get in, you should try, and see what the aid package is.
I grew up in the Minneapolis area and moved to Rapid City SD. I can definitely attest to the fact that it is pretty pricy out here with land prices! We want to buy land at some point, and it’s wild what they’re charging per acre!
I’ve lived here my whole life. I’m 28 looking to buy my first home and make a descent living for the area and homeownership seems so far off with home prices. Even with no debt and FFEF in place
Nice one Dave💯
21:46 - 23:41 Preach Dave 🙌🏽
I think he was much younger when he painted the Sistine Chapel 30 or 33 and it took him 4 years and had scaffolding. ; ) Not Divinci either, Michelangelo did it.
I think he was meaning the Last Supper by davinci
@@jessicakullander8517 Maybe but that's a painting in a convent and he was around 40.
@@deb9806 He was thinking Michelangelo but got everything wrong, how he painted, the age etc.
correction: michelangelo painted the sistine chapel, not da vinci. but daves point is still valid - its bnever too late! go get em!
Yes but he got the age WAY wrong, He was 30's not 78. Nether painter did art like the Last Supper that old.
I have a paralyzing fear of failure.
Where some people need to be shown once or twice I'm three or four.
Because I am afraid of being wrong and catching hell
listening from saint Lucia
This guy is batshit crazy who said he’s in a financial hole then said he has almost no debt and paid $110k on his house in the last year 😂
Absolutely, that was an odd one. Got him competing with the 25k a year guy moving to LV. Sometimes I wonder how I survive in a world with these people lol
He said Golf 🤣
I owe currently on my car and Have just stated that I only want to have 16 payments left and I migh try and bump that up to about 12 payments but might have to have a better goal and trying to get ahead of the game once I am free and clear from this loan will try and just make sure that this does not happen again for awhile and try to get prepared for a large down payment on the next car that I want to get there are alot of nice cars out ther right now today.
@58:50 Michelangelo was actually 33 when he did the Sistine Chapel. Don't know about the Colonel, though. 😅
Maybe that’s when he finished it 😅
@@bluebelle9572I wish. He finished it when he was 37. I think Dave had a Biden moment there. 😅
Dave got Da Vinci and Michelangelo mixed up. Then The Last Supper and Sistene Chapel mixed up lol yikes
I love Ramsey. But, Ramsey production team, for those of us wearing headphones while working around the house listening to these great podcast, please turn the dang music for breaks down!!! My goodness.
Marcus from Boston is so annoying to listen to. Dude has literally no debt and is making the dumbest decisions.
I tried calling the phone line but the lady just hung up on me after waiting on call for 30 minutes
Keep trying
1:20:13 good gravy...did I hear that right? He grosses 250k and takes home 25k per year in LA? Yet he's trying to buy a home?
I'm 54, and my wife and I are extremely worried about our future. The daily rise in gas and food prices has caused our savings to dwindle, and with the cost of living skyrocketing, it's become impossible to replenish them. We can manage to get by, but we can't seem to get ahead. My heart goes out to anyone retiring in this crisis-30 years of nonstop work, only for a crooked system to take away everything you've worked for.
@ChristinaSmith-d5mWhich passive project is that?
Nurse with seizures: Medical Billing and Coding software trainer
Where? Try 3M.
Trust me, I know.
Also, Quality dept doing chart reviews, Working for an insurance company doing phone case management. Worker's Comp
Saftey coordinator in manufacturing or another industry.
Or nursing Case Manager, no need to get another degree most hospitals only want nurses and hire very few mental health prosseionals for this role.
Each hospital calls it this role something diffrent. Patient Placement Nurse who works in an office and gets patients transfered in with the needed medical team and tools on standby or transfered out.
An educational nurse who trains other nurses as the hospital, bachlors needed. Teacher in college, masters or doctorate in nursing needed.
Nurses have so many options.
23 year old: The car industry screwed me. I went onto the car lot and bought a car I could NOT afford
But I’ve been following the Dave plan
Me: wait what? 🤔
I get so frustrated with Dave when 1099 people call in and he seems to not understand their situation and just dismisses them. The guy says he brings in $9,000 a month but his tax return shows $25,000 a year because of all of his write offs. My husband and I are the same, we have a $30,000 a year mileage write off because we drive a lot for work. We’re not actually spending $30,000 a year!! When we tried to buy a house years ago all the lenders we talked to didn’t want to deal with us because we were 1099 and told us we couldn’t have it all, ie write offs and get a loan. When I talked to a lender about not writing off as much to qualify he said that would be a red flag. Thankfully we already had a house and just decided to be content with it and paid it off 2 years ago.
The write offs aren't because you're spending $30K on driving, but because that includes the wear and tear on your vehicles, which you would presumably be setting aside for the next vehicle.
@@kristencampbell5533 correct, but we still never spend even close to that.
Maybe in very unique circumstances that makes some sense but the guy that called was just clueless
Elise, I am making the assumption you work somewhere in Critical Care/ER/OR. Try working in a much smaller hospital on your days off. You won't make as much money but it would be a less stressful work life.
1:12:00 there is a 10 acre lot in Rapid City listed for $475,000
Wouldn’t call that cheap
I was looking for a comment about Rapid City land prices! It’s wild what they’re charging per acre out here. Just because we’re in South Dakota, doesn’t mean all land is dirt cheap (pun intended).
@@hopeweber866I’m born and raised in rapid city and home prices are truly insane here with the expansion of Ellsworth air force base happening.😢
Sharon from Canada with a 2014 Camry with 85k on it, keep the car. It'll last you 10 more years. I'm driving a 2014 Sonata with 140k and I plan to have it 10 years from now.
Dave, financial advice, you're amazing. Art history, ehhh..room for improvement lol
The nurse with epilepsy should look into becoming a CDI.. most work from home and her clinical nursing is greatly valued.
Yes! I came to the comments to say this. I’m a nurse working from home in CDI and it was the best transition I’ve ever made!
Omg how nice you were on my island Ken Coleman!
Yes, we were extremely fortunate in comparison with our island neighbours with Beryl.
You definitely didn't "introduce" boarding up windows...this used to be done years ago but the current generation does it less (we are VERY seldom hit by anything, so people just don't keep this stuff on hand as much). Some even have boards custom-cut with bolts fitted and holes in the wall around the window so they can be bolted in. So no it's not the usual "American tourist saved the 3rd world" story 😊
Lolol I was thinking that was highly unlikely! Glad your island was safe! My family did well too 🇯🇲
True, but some owners are clueless.
Daniel is practicing tax evasion that’s why he can’t buy a house 😂
Way to go Sir No debt 😊 You have no huge car nots no rent . 🎶 music to my ear . You can save your money and pay in cash . Be genouse.
If you invest in a Roth IRA can you take out money to buy a house with before your 55?
You can always take money out at any time.
But you haven’t given enough information for anyone to give you an accurate answer as to the costs you’ll pay. Try looking it up on the internet, lots of good, easily findable information. Don’t rely on UA-cam commenters if you want consistent, accurate information.
Dave! Re: the successful woman speaker and non profit leader--You didn’t ask her what her husband was doing to bring in income. To help with the student loans, for example
Hi
I went on your website and I couldn’t find the company that Prevents people from selling your personal information and knowing u
Also , it would be great if u could come up with a simple to use buisness plan..
Thank u. I do so appreciate The Ramsey Solutions,The books and the team… can’t leave out the awesome music from your musicians…💥💥💥💥💥🎵🎸🎹
are you referring to Zander Insurance? I get my Home and Auto bundle through them and they look for the best price. I also have their Internet security system which is $75 a year. They monitor everything and if anything happens and you actually get hacked, they take over and do all the work for you. I had already frozen all my credit reports I don't borrow money but I do run a report of each once a year. Hope this helps.
The Nurse that has the seizures can be a Medical Biller, a Health Writer, Health Researcher.
Why does Dave always insult baristas?
It also bothers me when he insults people flipping burgers because something like half the people who are in management at McDonald's and making good money started out flipping burgers.
The nurse can work from home
Telephone triage
Tele nursing
Etc
Leonardo Davinci? lol 😂 …..You mean Michelangelo Dave?
How do I date while on baby step 2?
Budget it in
You don't 😂
Be creative. Find super cheap fun things. Go to the beach and bring a picnic, free music in the park and share a bottle of wine and some cheese and meat, explain that you have goals and that is why you need to do cheap dates so you can have a great life for your future family.
Go for a walk
@@rachelkruse9087 Yes, my husband and I ate out way too much but we did a lot of diners back in the day, breakfast, etc.Many of my friends would brag about the expensive Italian dinners they would have, cloth napkin kind of places and I thought, "how is he paying for that?" Well later you hear about the debt. Just be smart and very honest.
Bluegrass is the best 🪕 🎶
The Sistine Chapel was painted my Michaelangelo when he was 33, and not Leonardo DaVinci as an old man. I know Dave's comment was meant to be inspiring, but even then, especially then, facts matter.
Honey!!!!😂
Daymm Ramsey hang up on the guy making only $25k a year 1099 😅
I almost thought that was a scam call because anybody who makes $25,000 a year is well aware that he cannot get a mortgage. I was waiting for Dave to let him have it, lol. I would have hung up too!
@@brookelondon8029he was not well aware that he only made 25k, I think that's the first problem lol
Employment agencies
The nurse with seizures should do Ginko biloba 160 mg every day liquid extract and 18grams of vitamin c every day.
Dave, if you have so many attorneys on staff, you need to have some of them give some training to your show hosts because the advice given is often on very shaky ground when there is a potential legal issue.
Example?
I would love to hear examples too!
@@johnparker4484 I do not save my responses, but anyone who is a regular on this show knows that I have weighed in numerous times about legal issues that were not considered in their advice on the show, most about family law, health law, or estate law. (My daughter is an attorney.) In general, because they market themselves as a financial advice company and those related issues, like employment and real estate, they should stick to those areas. Family, estate, and health law are tricky areas legally.
@@thomasnunya1438 An example from tonight's show. Dave just told a caller to print up some business cards, start working as a handyman, and make a ton of money. No one with legal sense would tell someone to do that without also mentioning being bonded and insured and taking legal steps to protect yourself. Doing work in people's homes means a million ways things can go wrong unexpectedly. This is a case where some basic legal advice on steps to take to protect yourself against potential lawsuits would be very beneficial and Dave should have known what those steps are and also included them in his advice to this young man.
@@thomasnunya1438 I replied, but apparently my reply was curated and cut (which they do a lot on this channel with comments they don't like.)
School nurse maybe
Geez! The girl working at hospital...geez, geez...you're happy where you're at, other place is stressful. You know the answer. Aggravating to listen...
Gawd dern HOT!
Sure don’t be scared of high winds blowing debris at your head…
1:01:10 dude needs to get his Network+ or Sec+ and move up.
Where's Rachel?? 🧐
(BS7) Rachel Cruze is my least favorite. When she is on, I don't care to listen to her whiny voice and I move on.
Ken, don’t freak your kids out 🤦🏼♂️
It’s an AH thing to do. Make them feel secure.
INDEED find jobs
(BS7) Another Ramsey Show without a debt free story and scream.
Ken never offers any wisdom. Just generic babble, every, single, time.
Ken is my least favorite Ramsey personality.
(BS7) Rachel Cruze is my least favorite. When she is on, I don't care to listen to her whiny voice and I move on.
Jade is my least favorite. She hates animals and tells people to get rid of their pets.
Why is Ken your least favorite?
Thanks so much for sharing. I don’t know Ken or any of the others, but I’m sure this really made his day better. You know, not every thought in your head needs to come out of your mouth.
@@BeeDee-qs9so I see it all the time done by others, apparently it helps the algorithm. Just doing my part.