THIS Is How You Become A Millionaire In America Today | May 15, 2024
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- Опубліковано 14 тра 2024
- The Ramsey Show (May 15, 2024)
Dave Ramsey & Rachel Cruze answer your questions and discuss:
"Should I improve the property that I'm renting from my family?"
"Should I wait for my ex to pay off debt in my name that he was court ordered to pay?"
How to know if you should keep repairing a vehicle or if it's time to upgrade
"How do I use EveryDollar with irregular income?"
A caller that finds out on air that he's finally a millionaire
"My boss hasn't paid me the last three pay checks but I'm concerned the company will go under if I leave"
"I have $360k in debt, just found out I'm having a baby, and I don't know what to do"
Rabbi Daniel Lapin joins to discuss his new book, The Holistic You
"I'm restarting my life after a divorce - can I afford to put 10% down on a house?"
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One lesson I've learnt from millionaires is to always put your money to work, and diversifying your investments. I'm planning to invest about $130k of my savings in stocks this year, and I hope I make profits.
I believe every Investor should start with ETFs for a solid foundation, then diversify across asset classes and maintain disciplined, regular investing to minimize risks and maximize growth.
Very true, I diversified my portfolio across multiple market with the aid of an investment advisor, I have been able to generate over $900k in net profit across growth stocks, dividend stocks & ETFs.
Your advisor seems competent. Could you share how I can reach out to them? I've recently sold some property and i am interested in investing in stocks.
'Kristin Amber Landis' is the fiduciary advisor I use. Just research the name. You’d find necessary details to work with to set up an appointment.
Thanks for sharing. I curiously searched for her full name and her website popped up immediately. I looked through her credentials and did my due diligence before contacting her.
We have two Toyota Camrys. Each one has over 300,000 mi on it. We got them both for free, one from a friend and one from my husband's mother after they both passed away. They still run like a dream and purr like a kitten. No car payments is heaven!
Amen, no car payments ever!
Bought a 97 civic for $4k at 80k miles 12 years ago. Spent around $1k in repair parts and $20 per oil changes (I'm a DIYer) over the years. Currently it's running at 200k miles.
@@TomNooki smell cap a jug of oil is $27 dollars now alone not counting the filter
Just recently sold my perfectly running high millage vehicle it had 252xxx on it and regret selling it for my newer actually older lower millage vehicle with 247xxx on it😂. People who complain about 100xxx cmon get real that is practically new still.
As far as I’m concerned 100K just means time to get the car checked & change the timing belt. That’s it!
I appreciate that even though Dave is a strong Evangelical he is still able to cut off these "ill just pray and God will fix all my problems" people and bring them back to reality.
“God knows math,” he says.😂👍
Yes because faith with works is dead. We have to be willing to do the difficult things when we know better.
Exactly God told us not to get into debt in the first place
kudos to those relationships where both spouses are engaged to making their financial lives better by sitting down together and working on a budget.
Worrying about 100,000 miles on a car that is still running well seems crazy. My car is at 206,000 and I expect to own it 3 more years. A $1000 repair or even 2 of them is a lot more manageable than car payments.
I was thinking the same thing. My Tundra is just broken in at 105,000 miles and the dealer offered to buy it back for what I paid for it 😂
My Tahoe has 119000 miles on it and runs like a dream. I’ve kept up routine maintenance on it. It’s given me no trouble. I feel like I’ve just gotten it broken in😄
I'm at 283k on my Ford Escape. A/C has been only issue. I plan to drive it until the wheels fall off. I'm saving to get it detailed so I feel like it is a new car!
Exactly. My 2004 F-350 has close to 300,000 and still runs like a raped ape...and no 1,200 payments. Stupid is as stupid does.
My mechanic (who sells a few used cars on the side) asks about if we've thought more about a new car every time we have any little issue. Told him we can walk to work so we'll wait til the cars (2010 and 2009) completely die to decide if we even want another one lol. He always sounds surprised, so I assume he gets a lot of people wanting a new one before the car's even in its last legs
My fav realization is when a millionaire dad is cool 😎 enough and humble to listen to his son ( and wife) ! Wish you the best !
Ladies, you don’t need to borrow $200,000 in student loans to become a stay at home mom. Billions of women have done it for free. No PhD required.
Yeah you'd think that right. Unfortunately, we've become so ridiculously competitive that women are feeling 'less than' without the credentials.
That MRS degree is free
@@teapot6711thanks to third wave feminism that doesn't even know what a woman is
@@teapot6711now it's so competitive, you have men claiming to be women competing against women 🙄
Obviously but life changes
I love how Dave’s man child voice sounds like Cartman 😂😂
😂😅
My Sequoia is the same age as my youngest…18+ years! She’s got about 250k miles, has seen every type of sport equipment, hauled 8 million kids and dogs, and still carries us up the hill to ski. Just put in our 3rd timing belt. Hangin on as long as possible. 😅
1:05:56 For Denise in Ohio...😢 I was you so much your letter gave me chills! Seek counsel. Stand by your ultimatum. Stay strong as you move forward. I just filed for divorce this week. I am praying for you. ❤️
It’s best to get out if ppl aren’t willing to change. I was in the same situation as Denise and was married to that person for almost 20 yrs. Been divorced for 19 yrs and married another wonderful man 10 yrs ago and we are totally debt free including our mortgage. That never would have happened if I had stayed married to that person because today he’s still doing the same thing. Hold on things will get better. It’s hard at first but stick to your plan, trust God and you will be just fine.
Denise, this was also me! My first husband had a lot of extreme trauma. None of those things made him happy in the long run. We even did marriage counseling and separated the accounts. Sadly, he committed suicide. It was a tragedy, but I found out about financial infidelity and other addictions besides alcohol. I wish things turned out different, but I can not tell you the PEACE you feel when you're secure. I have remarried and am expecting another baby girl. I love my life and that I truly have a partner who is transparent with me and respects/values me.
100,000 miles is a very low mileage if the car is a Toyota or Honda. I just reached 100,000 miles on my tundra and it is still in phenomenal condition and looks brand new and it will last at least another 200,000 miles.
I’m so happy Dave identified wants and needs. I hope that helps everyone in the future.😂😂😂
Pretty much everyone that drives a used Toyota becomes a millionaire simply by saving up their paychecks at their job that pays $50,000 per year.
Dave’s reaction at 1:29:20 when the caller says his wife is 23 and they’ve been married for years is hilarious 😭
Great stuff Dave
Ugh the comment on the 100k car. You don’t need an upgrade everytime your cars get close to 100k
2007 Honda - over 270,000 miles and still going strong with no major repairs - but I did choose a drive chain rather than a timing belt (has never been replaced yet!) Most I've spent so far was getting the sagging headliner replaced as my car is outside all the time and the sun is very strong here.
My Tundra has 105,000 and is just broken in. The dealer offered to buy it what I paid for it 😂
Generally a good time to upgrade is when it is difficult to keep the wheels attached
@@kenwilliams3279 🤣My 2007 Honda Accord - has never been garaged - paint job still perfect and almost no repairs other than routine oil checks and minor maintenance - 270,000 + miles!
@Trustbutverify2651 I had a 1999 Nissan wingroad (model name in NZ) 300000km. Bless it. Started to become uneconomical to repair unfortunately. Got little Kia Rio now. Had 20 miles on it
I listen to this show and I feel so much better about my situation......lol. Some people are really out of touch with debt.
Our federal government leads the way with being out of touch with debt 😂
I sure do like Dave and the way he talks to people
Of my 3 cars, my lowest mileage is 118,700 and otber 2 have 190,000 and 285,000. All still going strong and are Toyotas. One gets 20,000 miles a year
Amazing show as always!
100000 miles is just getting broke in for me lol that’s low mileage
Absolutely ! Please this is foolishness 😒 Especially if it is a Toyota.
Right my Hondas engine lasted 300k miles but it blew up on my on faults. The transmission is still original and still going
I've never owned a vehicle with 100,000 - that would be like new! Current daily has 258,000 and still going strong 100+ miles a day. Bought it for $500 3 years ago
@@michelejohnson6459Yes!! I'm on my second Tundra. It has 105,000 miles and us just getting broken in. My dealer offered me what I paid for it
Def not low but not really high
I Love this show, watch it daily since March 2023 and have paid off about $35,000 in debt so far between my husband and I. But it bothers me so much that they never talk about saving for closing costs when buying a home! Additionally to Baby Step 3 and a healthy down payment, there’s an extra $8K-16K in closing costs alone. Why is this never talked about?
Jade Warshaw does. She says you need a stacked DECK. C stands for Closing Costs.
I'd hope people who are buying a home would have looked into it enough to know closing costs exist
@@TH0KH that’s the thing- I may be interpreting it wrong, but to me it sounds like some may not be aware. Whenever I hear first-time home buyers calling the show they always mention their 3-6 month emergency fund and the down payment. I just once heard someone say they had some extra saved for closing costs.
Maybe because the closing costs can vary based on each property. Depending on your situation, you may not have to pay any. It'd be the deal your realtor can get.
Thank you.
Thanks
I drive a 2001 chevy silverado. Right now it has roughly 284,000 miles on it. Its 60.4 miles round trip to my work. If i drive it one more year, which i truly believe it will make it that far and even past that, i will have a little over 300,000 miles on it. A 100,000 miles is nothing. If you take care of the car, it will last.
Yep, Dave really doesn't give the best car advice. My Tundra has 105,000 miles on it and is just now broken in. My dealer offered me what I paid for it
yay the dynamic duo! 💝
45:26 AND some equity in vehicles to add to it!!!
100k miles is not a lot. But it depends on the vehicle and the usage.
Shhhhh, I love buying vehicles with just over 100,000 miles. They are the best deals 😊
I have a 2007 Ford Focus that has about 286,000 miles on it. I know its tempting to say that since it has over 100,000 miles , it's old. But just because it's old doesn't mean it doesn't run great.
That lady living off $1,800 child support is a basket case. Our country is mess of people living off other people and estranged family members.
Yep
Probably lots of govt assistance
"The world is going to end, I'm putting all my money in silver" 😂😂😂
I am curious about Dave's position on the argument if I can get a low finance rate, say 3%, and keep my money in an investment making 7% is that still advised against
Wow 3h Live you guys are rockstars💪🎉❤
Just recently sold my perfectly running high millage vehicle it had 252xxx on it and regret selling it for my newer actually older lower millage vehicle with 247xxx on it😂. People who complain about 100xxx cmon get real that is practically new still.
2013 Toyota Sienna, currently at 215,000 miles. I would LIKE a newer vehicle, but can’t justify it since it runs so well still!
Tim McGraw was Taylors first and best song, Dave.
1:24:57 Matthew's case is understandably a traumatic one for Dave. 20-something year old with 6-figure business debt at risk of bankruptcy... the dread is palpable.
Re: the guy with the farm that’s in the family trust- what if someone in the family has to go into long term nursing care?
Good point. That can wipe out most or even all of your savings.
Love the show. Seems like Rachels really always trying to add something and dragging it out. Lol.
She does go on a lot and repeats herself - she needs focus for this show and save the lengthy explanations for her Happy Hour show with George.
That's exactly what John Delony does
@@NigriffHUSHHHHH!!! Weird
@@Nigriff The Corgi's gonna get you!🤣🤣🤣
I'm 32 single parent. No car payments, bought my car used and driving it for 7 years. Hybrid Sonata beats any BMW out there.
I was married to someone like Denise’s husband and we stayed married almost 20 yrs. That was 19 years ago. Today I’m remarried and we are totally debt free (thanks to financial peace university), including our home and that would have never occurred in my past marriage. I don’t know that much about him but I do know he’s still doing the same thing with his money. He never gave me a dime of child support and I just wrote it off. But if Denise’s husband isn’t willing to change she needs to divorce him. It’s may be tough in the beginning but she will be better off, otherwise, the stress of dealing with someone in her current situation will be detrimental to her future. I would probably be dead by now with the amount of stress this person brought into my life because he sounded just like Denise’s husband to a tee.
I just can't wrap my head around these American women who go deeply in student loans in order to get a degree that they have no intention to use because all they want to become a stay at home mom. I mean: WTF is up with that? It must be some cultural difference I just can't understand
What happens is they get the degree to do what they THINK they want to do and then those babies come along and they just can't allow anyone else to have them for most of the day. The EMOTIONS of a mother rule the HEAD of a professional. And the case of the chiro last call is particularly poignant b/c with that degree, the entirety of the profession is based on a person's keeping current with physical manipulation of a person's spine and other advice (such as functional medicine, etc.) It's just not a profession where someone can stay out to raise kids and then go back 10 years later after all the technique has been unused and lost.
It's a cultural thing that makes no sense
@@NigriffHere you are still flapping. Hush
It's a "plans change" thing. Don't plan on kids/plan on going back to work. And then for whatever reason (lack of childcare/it costs more than they make, emotions, mental health, physical issues, disabled child, philosophy/moral ideals change, whatever), they just never go back. A lot of the PhDs women tend to get don't exactly rake in money, so it's hard to pay off student loans while working before kids and the pay might not be worth returning to when childcare costs 2k
Staying home is cheaper then childcare a lot of the time
I’ve noticed that every time it’s a chiropractor that calls in, they always giggle when they answer Dave’s question, “what’s the degree in?”
The Kimberly story, she’s almost certainly on food stamps. Not that there’s anything wrong with it temporarily. So the kids will be fed.
The stay home mom not working but she has a graphic design degree. Freelance remote gigs she could be doing but instead she lives off of her ex instead because she doesn't like it
I know. That’s really sad. She has the potential to take back some personal power and advance her financial and spiritual progress by being proactive. I have yet to hear anyone getting out of debt say they loved doing Door Dash, for example. Some things are a means to an end, like becoming self sustaining and putting food on the table.
37:01 Nowadays you don’t need to “afford” advertising. Social media is a great avenue to advertise your business. Get out there and make/ post videos about your business!
1:19:36 he's not getting that judgment ...but that's OK....anyway lol vicious
Marathon. 26.2 miles
You’ll find the segment at minute marker: 1:36:15.
Jeep Grand Cherokee- 246,000 miles & going strong.
My Jeep Cherokee has over 200k miles and running strong. .. and I can do my own repairs for cheap
I have a Jeep Cherokee too that just surpassed 190,000! Feels like it’s still brand new
11:26 showed me he got a bad deal out of this break up. And she doesn't work and hates her degree field with a passion
2000 child support+ alimony 😕
Do you know my wife and I are aiming at our second Million dollars by still staying on the "Beans and Rice" ..."Rice and Beans" policy!!😂
What are you gonna do with it? Why does it matter when you are depriving yourself? Sounds miserable.
Not a point to brag about as far as I'm concerned. At some point it's time to start enjoying life. What are you going to look back on - beans and rice? You only get one life and putting off enjoying it some will leave you with few memories and by the time you decide to spend some, your health will seriously limit what you can do. No one gets to take a U-Haul or a large bank account to heaven. Prepare for the future, yes, but when you do, live in the moment!
Congrats!
You aren't ready to swap your old car for a new one until you make some educated guesses/assumptions and project a monthly upkeep cost for the old car over the next two or three years. Then compare that monthly upkeep cost of the old car to the cost of financing a newer vehicle. It will almost always pay to tolerate the old car.
100k miles is low miles for us! Lol
love how Dave says send the link in an email to your friends lol! hes such a cute little old man
He would be a tough dad they are going to have works hard until he dies
Dave is the best!!!!
If, in place of rent, he needs to maintain it, he should only pay for repairs up to the amount that the rent would be.
Companies that place too many of their top executives on the same plane or in the same vehicle at the same time, may be placing their operations at risk. - the Association of Corporate Travel Executives (ACTE). Goes for cruise ships too Mr. Ramsey.
20 BofA executives were on the plane that landed on the Hudson River.
6 executives from Bruno's grocery chain in AL died in a plane crash in GA in 1991
5 executives with Conoco Inc died in a plane crash in 1991
7 scientists from Crop and Food Research died in a plane crash in 2003, etc...
There are more. Many corporations restrict the number of executives travelling together
Rachel was a not just smart - she also wise
I think it's fair to pay rent. Any other money goes in savings
Kimberly 's story what about the ex. What is he suppose to live on? He is going to end up on the streets. Sometimes people just need to wait for their kids to get older before they do the divorce. He is also working his butt off to pay for her to stay home with their kids. Don't feel bad for her, feel bad for him.
Yeah he’s not a high earner if that’s all the child support and alimony he can pay. Both parents are broke now with three young children to support. How tragic.
She didn't told how much alimony he has to pay
Sounded like the 1900 was from alimony and child support. Then some additional income from selling pottery and selling things.
Yeah, the man was working to provide for their family while she's no longer "happy" so she asked for a divorce, she's willing to give up their family for her "happiness". And when her ex meets someone new, she will be freaking out because she wants him to be miserable like her. She just sucked the man dry, sell off the house he paid for and now she will get monthly support.
Agree. I went to work and split custody with the father. If either parent suffers, the kids suffer.
It’s comical to hear someone talk about a car with 100k miles like it’s about to fall apart on them. Our Yukon has 150k on it and it still rides and drives like it did when we bought it with 60k miles.
Dave makes a great point about the type of vehicle. A neon was never meant to be reliable. A civic is.
Dave isn't always right about houses going up in value and vehicles going down (at least to the degree he claims). My house is valued the same as it was when I purchased it in 2005. My truck is worth the same as it was when I purchased it in 2019. Houses are just boxes that need constant upkeep and repairs. Also, taxes and insurance must be constantly paid. It's often the land that goes up in value that helps offset the depreciating house.
Your issue was, you purchased your home at the top of the market in 2005 before the housing crash of 2008. It took another anomaly (Covid and riots) to turn the housing market on it's head again. For the most part, housing does go up in value steadily.
@@striperkidMy point is, it's not a black and white rule.
@@striperkidadditionally, Dave pretty much has everyone depend on the stock market for retirement. If someone retires in a down market, they can be screwed. . And the market isn't really that old... anything could happen, especially with many countries no longer relying on The US dollar and our country being in record debt
@@striperkidhistorically, gold has outperformed real estate as an investment, and gold requires no annual taxes, insurance, or repairs... yet Dave NEVER tells anyone to invest ANY money into gold. Why is that if he's all about "the math"?
@@striperkidanother point that Dave makes that is not always a good idea... Buy a house "when you're ready" despite what the interest rate is while repeating "date the rate and marry the house". People should consider that refinancing involves having to dish out a lot of money on appraisal fees, refinancing fees, and if the house has depreciated, that can be an issue. Sometimes it seems like Dave is looking out for mortgage bankers, real estate agents, financial advisors, and insurance companies more than he is the actual consumer. This is also demonstrated by all the ads. His philosophy of getting out of debt is great, but beyond that, it's oversimplified and not fully explained.
Dave missed he will pay rent, and that rental payment would be used to improve the property.
😊
Dream team
Yall need to start leaving the sound track on these😭 them in between jazz beats are ill!!!
“God can do math” so true ❤
5.18 - Tell the man/woman to sign a rent contract with the parents. The government will probably give you renters benefits or welfare, if you do. Taking welfare is not bad. I used my welfare benefits to finish law school without debt. It can be done. Let's be charitable but not ideological. Let's not be judgemental.
Attorney Tomasz Surdej, Bar of Kielce
“God can do math”
Love that response haha
The first caller is putting the house in a trust to keep from property gains tax. Dave is wrong. Also food security is just as important if not more important than money right now.
So you're dumb enough to put money into something you don't own? Okay tell you what come to my place and pay the thousands of dollars my car needs body repair on from the idiot that hit me last year on July 31st from Richland Texas who ran two red lights and got away with it because Pearl Mississippi police department and MDOT both dropped the ball involving me getting access to the cameras on the lights that would have proven I was hit by an idiot running a red light after all you don't own my car that's not dumb for me to ask that of you, right?( facepalms)
Yes..we get it...critical thinking skills skipped you by 10k miles😂
Play Miguel's you also believe it makes more sense to hold on to a mortgage and invest or allegedly invest the difference versus what you would have spent paying off the mortgage much faster. Again you love risk, got it
He mentions food as his first wall of security to provide for.
@@Trustbutverify2651 dave is living in a fantasy world if he believes groceries will be affordable on the near future
To the caller, that was going to take money out of their IRA and pay taxes on it to pay off their house and cars. I think Ramsey was wrong on this Answer. It's a mathematical question whether or not you should do that. You have to do the math on how much you would save one way or the other. And how close you are to retirement.
Please don't just listen to financial advice from anybody
Always do your homework
Honda owners laughing at a 100000 Miles
58:00 Go elsewere and the cusotmers will follow you...
Daughter should consider taking notes.
Am i the only one who finds Rachels voice grating?
Did Dave understand the first caller was improving the family property in lieu of paying rent? I thought his suggestions to the young man were ridiculous. "Hey grandpa I know your letting me and my wife move in but I'm gonna need you to put this place in my name to boot." Kids gonna end up homeless real quick.
Perhaps they should just pay rent then and have grandpa pay for improvements.
Im 😊
What kind of used car can you get for $20,000
Kelsie could buy a home from someone doing owner financing
When the husband won't get on board with The Ramsey Plan, Dave blames the husband. When the wife won't get on board... Dave blames The Husband 🤔🤪🤑😬🙄
He told a 34-year-old man to go groveling to his 24-year-old wife and beg her to get on board with his money plan. I thought the Bible said that the man should be the leader of his household? Dave's Boomer secularism of capitulating to the wife at all times and pedastalizing women is humiliating to listen to.
Why does she hate Graphic Design? That’s my career and I am working from home part-time 20-30 hour a week, made $60K last year with 1 month vacation. My husband said of all the people he knows I have the best job.
Dave is much easier on women than he is on men. That's clear in this episode with situations that were very similar - a husband who did not want to get on the "program" and a wife in the same situation.
Chivalry
If it was the wife being a child he would be telling him to "convince her, dont use my name as a cuss word"
Edit: lmao, he literally did that to the dork with the speech impediment who cradle robbed his wife who is 10 years younger 🤣
Yes, Dave and John always see the woman as a poor victim they must save
Benny is as high as a kite
Oh not another chiropractor crazy high loan.
My chiropractor is probably quite wealthy since she owns a house in Pacific Palisades which she paid off last year! But I wonder how much of that was due to her late husband's money.
Although I have a great respect for Rachel’s knowledgeable contributions to the show and find it entertaining when she has to do a “ clean up on isle 5” when Dave speaks a hard truth, I find her voice a bit irritating-something about the pitch & scratchiness of it. A critique not meant to be unkind but I am sure honest comments are welcome.
🙄
Maybe that is why avoid the shows she is on. I think she is very kind and does care about people but...
Poor little rich girl who has never struggled is hard to take seriously
No to guns.
1 hour 30 Benjamin and his wife need counseling. His wife ten years younger than him is running the house. Not good.
Different subject. My granddaughter loved your new book and also your first one. And she can not get enough of the kids adventure she begged for me to keep reading and we already did 4 chapters and it was way passed her bedtime. I had to threaten to go home so she would go to sleep
Recommending divorce 1:07 but no where in the baby steps does it help prepare you for divorce. Yea finances are a main cause but half the people calling in are going through it. Why @daveramsey do you preach togetherness and push marriage so hard but divorce is a seriouse reality for over 50% of people?
Where is that place n your financial planning?
Yes you mention counseling to reconcile and mend the relationship but you are recognizing divorce is a factor and can be the biggest wealth killer if you’re on the wrong end but may not even be at fault. How do we prepare for this while hoping and doing what we can for the best?
@theramseyshow
Nursing school can easily be extremely cheap
Matthew - dental school - Dave does not seem to understand that not everyone can choose the least expensive dental school. Choices are limited by where a person is actually accepted! Why don't the RS people recommend the military for medical, vet, pharma, and dental fields?
Last caller almost gave Dave an aneurism XD
Yup. She didn't seem phased at all with that much student loan debt.
For sure b/c he realized he really could not help someone with $200,000+ in debt who now wants to be a SAHM - and the look on Rachel's face is just painful.
2:07:35 Yeah, when Dave closed his eyes, I had to chuckle (as mean as it sounds) because I could just imagine him thinking "you will NOT raise my blood pressure.... lemme just breatheeee.... last call of the day .... in and out ..." 😅
100k miles should be half-life at worst
Potatoes in Poland - 100 kg for $US20. Consider moving back to old country.
Adwokat Tomasz Surdej
The lady from Colorado is broke and tripping talking about 1900 bucks a month 😂
Right!! Like get a job asap
I bet she gets foodstamps and help with rent.
That's like a completely normal monthly salary for someone in England, United Kingdom
Rachael, love your stuff but you gotta tone down the ‘men and women are perfectly equal!’ Thing. I can agree but you seem really sensitive to any hint of suggestion in favor of a man. Its not necessary to qualify everything all the time.
A million dollars is not what is was 4 years ago thanks uncle Joe
I hope he asked him if there is anymore grandchildren