@@gormeroth it was not very nice but I guess he gets crotchety when people don't make sense. The young man told like 5 versions and not a one added up, bless him. 😭
As a recovering addict, 30 years clean and sober, I admit that manipulating people was almost as hard to quit as the drugs. So grateful for my recovery & rebuilt relationships! To the caller with the addicted husband, DO NOT ENABLE HIM & take care of you & that baby!❤ I’m on BS4-6 now! Thank you Ramsey for covering all aspects of life!
Me too !!!! Im over 30 years clean from Meth and Baby step 7 with 6 homes paid off and cash saved up for number 7 !!!! LOL !!!!! I own what are called Oxford Houses and they are clean and sober living houses. We have 33 beds going now. Love your story by the way. Dave Ramsey was a huge help in my turning around my life also !!!!! I buy Dave Ramsey books for the 33 people in our homes. I think that financial fitness go hand in hand with sobriety.
@@bettedavis9261jade and George have at least walked some trenches and therefore have some experience. All Rachel can blabber about is ‘budget budget budget’
Rachel- can you consider designing a clothing line for us women ? Many would agree that your style is so classy and beautiful . I will pay the price and buy the style! Can you also add the nail polish as well? Please do it !
Rachael I love your new hair style. But whats new. You can rock anything girl! Keep smiling and stay beautiful. Thank you for what you all do. Blessings!
My husband and I have yours mine and our accounts. The our account is the house account. House payment, utilities, and food budget goes into this account. We both put equal amounts into this account. This way there are never any questions about the mortgage or utilities not getting paid. This is automatically put in from our checks. We discussed the house income and agreed to do this. We’ve both had bad marriages that the other didn’t manage money well, so this is not a bargaining account. It can only be used for what it is designed.
Cute haircut, @rachelcruz❤ Thanks @daveramsey for explaining the difference between a traditional IRA and a ROTH. I've always struggled to remember the differences. Great show as always 🙌
this makes me feel better about dave being there at 92 🤣 We were scheduled to do our debt free scream in 2020 and well didn't get to cause well 2020 - My dream is to go when we reach everyday millionaire status! Hoping Dave will still be around the studio then & we can shake his hand & thank him for setting us straight 😆
1:09:30 ish...Maybe in Tennessee, there are separate facilities for Medicaid patients vs private pay patients, but in my state, the skilled nursing facilities are the same, whether you are a Medicaid patient or private pay. There can be a Medicaid patient in the same double room with a roomie who private pays. The care is exactly the same. Now, you definitely have to shop around because facilities aren't created equal, no matter how you pay.
Well, i could not fimd it funny, but i still laughed by watching dave and rachel laughing, will someone tell me anything so that i vould join the full laugh with you guys?
They just chose not to pay relatives. They will pay strangers but ghost family members. I’m on the same situation with a lease. Can’t get rent for ish! I’m about to get a property management company involved
1:59:31 Behind on your mortgage, but private catholic school is important to you? Kids love a place to call home. For their sake, please get on the same page with money, the kids and learn how to prioritize. Even roommates are closer.
Peter is taking the polite Canadian a bit too far. Why would he not want to be added to the deed of their family home, especially if he paid off a mortgage that was not necessary but for her spending?
As a Canadian, I agree completely. Don’t tell anyone, but I wanted to throttle him. We Canadians are kind but not without IQs. 🙄🤫 (Well, okay - Not ALL of us are kind…😃)
The dude at 1:35 is a complete simp. How does he not understand the absurdity of the situation with his wife spending over 100k on credit cards. Unbelievable.
The 401k vs Roth conversation assumes you can put $1000 of post tax dollars in when you are putting in $1000 of pre-tax. You need to compare $1000 trad vs $650 Roth.
Exacly there are also other nuances that Dave will never address. For instance your first 12k right now is tax free as income. So if you only draw from Roth in retirement you miss out the opportunity for getting that extra 12k of tax free income from a traditional. Also there are tax advantages for all the church people wanting to tithe or give. If you give from a Roth there is no way to take advantage of those tax codes for charity. But it’s good that someone is paying attention good for you.
Roth costs you your current marginal tax rate to invest today. Traditional you pay an effective tax rate on your annual distributions. If you have a 35% effective tax rate in retirement, congratulations, you’re so rich taxes don’t even matter. The other thing I hate is this “taxes always go up” crap. Taxes are lower now than they were previously so this argument is nonsense. That’s not to say they won’t be higher, but to say that they always go up is just wrong.
Why did some guy participate in getting her pregnant without marrying her first? Why is he not helping to support her and the baby? Good on her for not aborting that precious life. A mistake was made, but she made the right choice by not making another.
I’m curious about the Ira argument. I just realized that the pre tax traditional is actually more money compounding. The Roth would be taxed already and would obviously be less money invested. I know the amount invested would be different and the gains are theoretical. Still it’s an equation that hadn’t previously thought of.
Yes traditional is more money compounding but you will pay the income tax on the money when you draw it, therefore you’re paying tax on the growth at whatever the tax rate may be at the time you began to draw. The Roth option allows you to pay the taxes now, and the money grows tax deferred. Hope this helps.
I completely understand what you’re saying. Unfortunately, people just accept arguments around ROTH vs. Trad as gospel without thinking it thru and running their own math for their specific situation. I simply don’t think ROTH is universally a better option.
Hmm. I remember Dave saying numerous times (and he infers it in this call) that you invest the same amount of money, whether traditional or Roth. You just need to have the tax money available upfront for the Roth. In that case, the amount compounding is the exact same, but with the Roth you don't pay taxes when you withdraw the funds.
I used to think it was good to put money in a regular 401K instead of the Roth 401K because of the tax benefit. Then I saw calculations that showed the growth of the Roth over 10-20 years and realized that having that growth all be tax free is a way better deal! Not to mention that you can typically afford the taxes when you're working, but paying taxes hurts more when you are living on a retirement income.
@@jaijai1132 Don't forget..."your IRA is an IOU to the IRS. I'm doing Roth conversions for the past several year so I can be done with the tax issues. Taxes have to increase given our huge national debt.
You don't pay 300k taxes on a million unless you took it all out in the same year. If you and your spouse took out 50k a year you would pay 12% taxes. Dave is ignoring tax brackets. You only pay 33% on any amount above 330k.. Noone is taking that much out and you don't pay a flat 33% in the whole 330k just on any amount above it.
The best reason dave has to go with a Roth is because no minimum withdrawal and because people suck with money so you pay more in taxes with a Roth but you are better later
Yeah everyone pushing only Roth is oversimplifying it to meet their narrative. Now I think it’s good to have both. But the more money you make, the more you should skew to traditional, in my opinion.
@@BP_PE90yes I think it makes sense for higher income people in the highest tax bracket. Saving that high tax rate is quite a return on its own but for most of us making less than $300k per year, max Roth accounts first since we all know where future taxes are going.
@@andrewsnyder9262 at this point I think we are talking about optimization. I don’t think it’s wrong to go any direction. If someone is maxing out traditional or Roth, they will probably be okay. Obviously, the person going the Roth route will have more spending power in retirement, but they paid more to get there. Roth costs you your current MARGINAL tax rate to make that contribution. Traditional saves you your current marginal rate today. But traditional accounts are only taxed as they are distributed, so you pay an EFFECTIVE tax rate on those distributions. That is because some of the distribution is not taxed (standard deduction), some taxed at 10%, some at 12%, 22%, 24% etc. The only way it’s more effective to do Roth is if your effective tax rate in retirement is higher than you current marginal tax rate. Currently, I do 25% Roth and 75% traditional. Even though I believe it’s more optimal to go traditional, Roth is simple and can be useful for controlling your tax rate in retirement. My plan is to also aggressively do Roth conversion la before SS (if we still have it) and before RMDs. The best thing about Roth, it sure does simplify planning, and you know exactly how much money is yours.
That’s not how it works. You have minimum distribution requirements with Traditional Retirement accounts, meaning you will have a minimum amount of money you will have to withdraw from your traditional retirement account and depending on how big your balance is, that could put you into a higher tax bracket than 12%.
This is where the caller could work with a professional tax planner by contributing a portion to traditional IRA in building that bucket up so he has choices when he withdrawals. If nothing else, the amount of the standard deduction.
why cant he write off the building for the money from the cattle sale? if it's all under the same llc/business? im assuming the building is for profit for the biz, like a farm stand or something
I like the no debt , I like having no payments to anyone or any company . I'm glad I smartend up, and now I'm free of debt and I keep a strict discipline on staying away from credit , cards, loans and all that Its nice for most part I have 2 plastic cards, and 1 is my driving licence, the other a debit card No way osay I like my freedom and nothing, absolutely nothing is wrecking my reclaimed life .
DAVE !!!! Im gonna be there on the 27th on Thursday next week !!!! Can't wait to give you another 6 house paid off hug buddy and cash saved up for number 7 next !!!!! LOL !!!! This is "THE DOUG" from "THE RAMSEY BABY STEPS" COMMUNITY !!!! Hopefully Grady will be in the audience. He's a fun old man !!!!
Man, Rachel and her siblings and grandkids, are gonna get so much money ha, they don’t even need to invest a lot lol. What a blessing 🤍 That is if Jesus doesn’t come back before then 😉 Uncle Dave, you can add this “long lost niece Brookie” to your will 😂
Peter in Toronto is enabling his wife's shopping addiction by burying his head in the sand. He needs to step up or he will lose everything. Put on those big boy pants!
To the rancher ... Sell some cattle and use the funds to hire a good kid straight from your land grant university. He can manage the remaining herd while you get to keep the lifestyle.
I have always rented. My rent is cheaper than what my parents paid in taxes on their home/yr. Buying a home is buying a lifestyle. It is not a good investment. Buyi a house if you have kids or if it makes you happy. jmo
I hear you. What is your plan for housing in retirement? Expecting that when the time comes, you'll find something affordable on your retirement budget?
Dave God does not allow divorce. The marriage vows say for better for worse, for richer for poorer. How is telling a woman to divorce her husband for an addiction biblical?
It’s disgusting to see these people say to a 86 year old woman that the best option she has is going to a pt job, you guys have no empathy nor compassion
When Dave breaks out the "honey" to a dude in the first call, you know the episode will be a banger.
He wants to be sweet because his daughter is there.
It's such a disrespectful dbag thing to do.
Calling a man ‘Honey’ is Dave’s way of calling him a dumb a** and not getting in trouble on UA-cam lol
@@gormeroth it was not very nice but I guess he gets crotchety when people don't make sense.
The young man told like 5 versions and not a one added up, bless him. 😭
@@gormerothwhy it’s okay to call him honey because his math confuse me for 20 mins steaigh
As a recovering addict, 30 years clean and sober, I admit that manipulating people was almost as hard to quit as the drugs. So grateful for my recovery & rebuilt relationships! To the caller with the addicted husband, DO NOT ENABLE HIM & take care of you & that baby!❤ I’m on BS4-6 now! Thank you Ramsey for covering all aspects of life!
Me too !!!! Im over 30 years clean from Meth and Baby step 7 with 6 homes paid off and cash saved up for number 7 !!!! LOL !!!!! I own what are called Oxford Houses and they are clean and sober living houses. We have 33 beds going now. Love your story by the way. Dave Ramsey was a huge help in my turning around my life also !!!!! I buy Dave Ramsey books for the 33 people in our homes. I think that financial fitness go hand in hand with sobriety.
Because I found The Ramsey Show, I ended up paying off the car I got for my daughter. Debt free here.😊
I hope you teach money values to your daughter as well as a free car.
@@dana102083 I think she's ahead of me when it comes to watching budget and saving. And she gets unsolicited reminders from me on a regular basis lol
Thank you for explaining the reasoning behind owning a home as a way to not have to pay for housing when retired. Now I get it.
I love Rachels plan for her Dad at work. Classic!
It's so cool to see this father daughter relationship , you can see the love and respect and Admiration for each other.
He's so proud of his daughter- its obvious.
“They’re too dead to do anything about it” Dave is so funny! 😂
Rachel is kind and tactful with callers.
But not helpful as her experiences are limited. Wisdom comes with age and experience. She should not be on this show.
@@justinveenendaal3044 I THINK RACHEL IS GREAT ON THE SHOW !!!! SHES AMAZING AND WELL TRAINED BY HER DAD !!!!
@@justinveenendaal3044then neither should the other personalities, especially Jade and George, with those parameters.
@@bettedavis9261jade and George have at least walked some trenches and therefore have some experience. All Rachel can blabber about is ‘budget budget budget’
@@justinveenendaal3044she grew up and lived under the guidance of the man who did, she has valuable input.
Loved the education on homeownership.
It makes so much sense 💡❤
Rachel- can you consider designing a clothing line for us women ? Many would agree that your style is so classy and beautiful . I will pay the price and buy the style! Can you also add the nail polish as well? Please do it !
Agreed. She’s so classy yet refreshing
She is also in good shape so everything looks good on her!
She says buys many things just off Amazon 😊 or j crew etc.
Her hair is super cute these days. ❤
I ALWAYS love everything she wears! I'm sure she's got a stylist, but they could do a line together.
The first call me my head hurt
This comment made my head hurt
@@rstanley2385 lmao 🤣
I read this before hearing the full thing… but I literally have a headache now after watching 😂 what on Earth??
Me my head hurt too, as did your response
Same 😮
1:12:25 I'll apply now as a private nurse for a grumpy old Dave 😅😂😅😂. Great sense of humor, you two!!
"Good morning honey, are you better than you deserve today?"
Rachael I love your new hair style. But whats new. You can rock anything girl! Keep smiling and stay beautiful. Thank you for what you all do. Blessings!
What about Dave?
@@brucefredrickson9677Dave have no hair and I think they’re talking about her dress styles!
My husband and I have yours mine and our accounts. The our account is the house account. House payment, utilities, and food budget goes into this account. We both put equal amounts into this account. This way there are never any questions about the mortgage or utilities not getting paid. This is automatically put in from our checks. We discussed the house income and agreed to do this. We’ve both had bad marriages that the other didn’t manage money well, so this is not a bargaining account. It can only be used for what it is designed.
Dave is the goat 🐐
YUP !!!! HES THE BEST !!!! If anyone says he's not that just tells me that they haven't listened to him long enough !!!! LOL !!!!!
Cute haircut, @rachelcruz❤ Thanks @daveramsey for explaining the difference between a traditional IRA and a ROTH. I've always struggled to remember the differences. Great show as always 🙌
Dave really showed some restraint during Peter's call.
this makes me feel better about dave being there at 92 🤣 We were scheduled to do our debt free scream in 2020 and well didn't get to cause well 2020 - My dream is to go when we reach everyday millionaire status! Hoping Dave will still be around the studio then & we can shake his hand & thank him for setting us straight 😆
1:09:30 ish...Maybe in Tennessee, there are separate facilities for Medicaid patients vs private pay patients, but in my state, the skilled nursing facilities are the same, whether you are a Medicaid patient or private pay. There can be a Medicaid patient in the same double room with a roomie who private pays. The care is exactly the same. Now, you definitely have to shop around because facilities aren't created equal, no matter how you pay.
Agree, he always says that but as a nurse I can verify that both Medicaid and private pay patients get the same care.
Private pay tend to have an entitled attitude. I live in an area that has all levels of wealth (cared for them equally).
All praises to Our father yah for letting others reveal Our truth!!!
Love Valerie’s energy!
Love Rachel! She’s so sweet!
Well, i could not fimd it funny, but i still laughed by watching dave and rachel laughing, will someone tell me anything so that i vould join the full laugh with you guys?
I cant even find this clip in the 2 hour video that this is linked to
1:56:18 Wow….What a powerful statement by Pres. Abraham Lincoln!
They just chose not to pay relatives. They will pay strangers but ghost family members. I’m on the same situation with a lease. Can’t get rent for ish! I’m about to get a property management company involved
1:33:38 100% correct.
1:59:31 Behind on your mortgage, but private catholic school is important to you? Kids love a place to call home. For their sake, please get on the same page with money, the kids and learn how to prioritize. Even roommates are closer.
Dave is in his no fucks given era 🎉🎉🎉🎉🎉🤣🤣🤣🤣🤣
😂
Dave "Grumpy" Ramsey 😂 I love Rachel. ❤
Peter is taking the polite Canadian a bit too far. Why would he not want to be added to the deed of their family home, especially if he paid off a mortgage that was not necessary but for her spending?
As a Canadian, I agree completely. Don’t tell anyone, but I wanted to throttle him. We Canadians are kind but not without IQs. 🙄🤫 (Well, okay - Not ALL of us are kind…😃)
It's not his Canadian politeness. He's a total beta.
@@BeeDee-qs9so Sir how much do you earn a year in Canada? Plz reply. Thanks a lot.
Beans and rice is currently on the menu!
When Dave does the “Hmmm Mmm” in the low tone…underneath that is judgment!
😂
I would love 92 year old Dave. I'd be 62 🥲
Dave is 63 years old
@@Jetup24she knows. She's projecting 30 years into the future.😂
The dude at 1:35 is a complete simp. How does he not understand the absurdity of the situation with his wife spending over 100k on credit cards. Unbelievable.
Arizona is cute! Luke and her are a great couple and I’m glad they were able to be lazer focused on their goals.
She and Luke
The 401k vs Roth conversation assumes you can put $1000 of post tax dollars in when you are putting in $1000 of pre-tax. You need to compare $1000 trad vs $650 Roth.
Exacly there are also other nuances that Dave will never address. For instance your first 12k right now is tax free as income. So if you only draw from Roth in retirement you miss out the opportunity for getting that extra 12k of tax free income from a traditional. Also there are tax advantages for all the church people wanting to tithe or give. If you give from a Roth there is no way to take advantage of those tax codes for charity. But it’s good that someone is paying attention good for you.
Roth costs you your current marginal tax rate to invest today. Traditional you pay an effective tax rate on your annual distributions. If you have a 35% effective tax rate in retirement, congratulations, you’re so rich taxes don’t even matter.
The other thing I hate is this “taxes always go up” crap. Taxes are lower now than they were previously so this argument is nonsense. That’s not to say they won’t be higher, but to say that they always go up is just wrong.
Rachael is my favorite 🤩
Where’s the full video/ the answer part?
Rebecca from Toronto sounds like she's being held at gunpoint in a closet while the police are searching the house
😂
Yes she really needs to grow a pair and call lawyer because her mother never will
God bless the gentleman who went through a kidney and pancreas transplant.
Amber from Dallas: Why did you have a baby when you have MS and still unsettled with all of your disability issues?
Not to mention not married. She had no business having that baby.
I feel sorry for a baby coming into this world with a mom who sounds she has given up already
She likes it
Why did some guy participate in getting her pregnant without marrying her first? Why is he not helping to support her and the baby? Good on her for not aborting that precious life. A mistake was made, but she made the right choice by not making another.
What minute is it in the full episode?
How do you upload episodes this long without timestamps?
Valerie is cracking me up 🤣😂
Yes...for the wrong reasons.
I found her INCREDIBLY annoying
Jill & Holly, oh my. Only way to fix both of your issues is gambling and marriage counseling. If either men refuse to go, eject and move on.
I’m curious about the Ira argument. I just realized that the pre tax traditional is actually more money compounding. The Roth would be taxed already and would obviously be less money invested. I know the amount invested would be different and the gains are theoretical. Still it’s an equation that hadn’t previously thought of.
Yes traditional is more money compounding but you will pay the income tax on the money when you draw it, therefore you’re paying tax on the growth at whatever the tax rate may be at the time you began to draw.
The Roth option allows you to pay the taxes now, and the money grows tax deferred.
Hope this helps.
I completely understand what you’re saying. Unfortunately, people just accept arguments around ROTH vs. Trad as gospel without thinking it thru and running their own math for their specific situation. I simply don’t think ROTH is universally a better option.
Hmm. I remember Dave saying numerous times (and he infers it in this call) that you invest the same amount of money, whether traditional or Roth. You just need to have the tax money available upfront for the Roth. In that case, the amount compounding is the exact same, but with the Roth you don't pay taxes when you withdraw the funds.
I used to think it was good to put money in a regular 401K instead of the Roth 401K because of the tax benefit. Then I saw calculations that showed the growth of the Roth over 10-20 years and realized that having that growth all be tax free is a way better deal! Not to mention that you can typically afford the taxes when you're working, but paying taxes hurts more when you are living on a retirement income.
@@jaijai1132 Don't forget..."your IRA is an IOU to the IRS. I'm doing Roth conversions for the past several year so I can be done with the tax issues. Taxes have to increase given our huge national debt.
Is a math nerd, I have a headache after the first caller
And the circular, low-energy, young man rant vibe. 😂
Timestamp on full episode?
You don't pay 300k taxes on a million unless you took it all out in the same year. If you and your spouse took out 50k a year you would pay 12% taxes. Dave is ignoring tax brackets. You only pay 33% on any amount above 330k.. Noone is taking that much out and you don't pay a flat 33% in the whole 330k just on any amount above it.
The best reason dave has to go with a Roth is because no minimum withdrawal and because people suck with money so you pay more in taxes with a Roth but you are better later
Yeah everyone pushing only Roth is oversimplifying it to meet their narrative. Now I think it’s good to have both. But the more money you make, the more you should skew to traditional, in my opinion.
@@BP_PE90yes I think it makes sense for higher income people in the highest tax bracket. Saving that high tax rate is quite a return on its own but for most of us making less than $300k per year, max Roth accounts first since we all know where future taxes are going.
@@andrewsnyder9262 at this point I think we are talking about optimization. I don’t think it’s wrong to go any direction. If someone is maxing out traditional or Roth, they will probably be okay. Obviously, the person going the Roth route will have more spending power in retirement, but they paid more to get there.
Roth costs you your current MARGINAL tax rate to make that contribution. Traditional saves you your current marginal rate today. But traditional accounts are only taxed as they are distributed, so you pay an EFFECTIVE tax rate on those distributions. That is because some of the distribution is not taxed (standard deduction), some taxed at 10%, some at 12%, 22%, 24% etc. The only way it’s more effective to do Roth is if your effective tax rate in retirement is higher than you current marginal tax rate.
Currently, I do 25% Roth and 75% traditional. Even though I believe it’s more optimal to go traditional, Roth is simple and can be useful for controlling your tax rate in retirement. My plan is to also aggressively do Roth conversion la before SS (if we still have it) and before RMDs. The best thing about Roth, it sure does simplify planning, and you know exactly how much money is yours.
That’s not how it works. You have minimum distribution requirements with Traditional Retirement accounts, meaning you will have a minimum amount of money you will have to withdraw from your traditional retirement account and depending on how big your balance is, that could put you into a higher tax bracket than 12%.
Where is part 2? What was his answer?
This is where the caller could work with a professional tax planner by contributing a portion to traditional IRA in building that bucket up so he has choices when he withdrawals. If nothing else, the amount of the standard deduction.
While i like this show, i do get tired of how stupid people continue to be.
Yeah most questions would be answered if they just listen for a week or two.
why cant he write off the building for the money from the cattle sale? if it's all under the same llc/business? im assuming the building is for profit for the biz, like a farm stand or something
Uncle Dave, you can hire me to take care of you❤😊
I like the no debt , I like having no payments to anyone or any company .
I'm glad I smartend up, and now I'm free of debt and I keep a strict discipline on staying away from credit , cards, loans and all that
Its nice for most part I have 2 plastic cards, and 1 is my driving licence, the other a debit card
No way osay
I like my freedom and nothing, absolutely nothing is wrecking my reclaimed life .
Aren’t the Roth IRA assets subject to estate tax?
1:11:50 it requires its own highlight 😂
DAVE !!!! Im gonna be there on the 27th on Thursday next week !!!! Can't wait to give you another 6 house paid off hug buddy and cash saved up for number 7 next !!!!! LOL !!!! This is "THE DOUG" from "THE RAMSEY BABY STEPS" COMMUNITY !!!! Hopefully Grady will be in the audience. He's a fun old man !!!!
Hey Dave- Hire me- I will teach you Spanish for free! Lol but true! Your awesome Dave and Racheal.
You're
It works be hard for me too give up a Camey no matter how much rvd payment was.
Man, Rachel and her siblings and grandkids, are gonna get so much money ha, they don’t even need to invest a lot lol. What a blessing 🤍 That is if Jesus doesn’t come back before then 😉
Uncle Dave, you can add this “long lost niece Brookie” to your will 😂
Peter in Toronto is enabling his wife's shopping addiction by burying his head in the sand. He needs to step up or he will lose everything. Put on those big boy pants!
You can REALLY tell Dave HATES sending money to the IRS 😂
As we all should!!
To the rancher ... Sell some cattle and use the funds to hire a good kid straight from your land grant university.
He can manage the remaining herd while you get to keep the lifestyle.
Why didn't Dave give Luke and Arizona a free cruise, you have one coming in 2025... Lol
You must not've checked the prices lol 🤑
1:00
Someone asked if the Uncle has to be ugly ..hahaha ..ya'll too funny.
I have always rented. My rent is cheaper than what my parents paid in taxes on their home/yr. Buying a home is buying a lifestyle. It is not a good investment. Buyi a house if you have kids or if it makes you happy. jmo
I hear you. What is your plan for housing in retirement? Expecting that when the time comes, you'll find something affordable on your retirement budget?
Wow! Where do you live?
Just to hear mooing" 😂
Dave God does not allow divorce. The marriage vows say for better for worse, for richer for poorer. How is telling a woman to divorce her husband for an addiction biblical?
You forgot to ask her if she’s getting child support because if she isn’t then she should pursue it
30:00 in caller went bankrupt but still owns a house ? Surely that doesn’t add up
Alan is going to have a hard time making deliveries with one leg on crutches
Compulsive spender caller; this guy is way too soft! He needs to get on those deeds today! Geez!
43:22 Can anyone here lip-read?
It’s disgusting to see these people say to a 86 year old woman that the best option she has is going to a pt job, you guys have no empathy nor compassion
That was not this show. Post your comment on the correct show.
Does this "kid" even have a GC license? Those are not that easy to pass and he doesn't seem with it
He's one of the dumbest callers I've ever heard.
@@ThePolypam Not dumb...probably naive and got out of his lane on this issue.
Rachel is so beautiful
Not why we are here
Apparently this kid can build but the parents are dealing with an idiot. The parents should sell and give this kid an even share
Hi rachel, i like your shoulders. I like the muscle tone. Keep it up.
1:32:00 "Most addicts die". That isn't true.
This combo talks over each other way too much
Can i fast forward Valerie? What a hot mess
So weird when he calls grown ass men honey
He’s in his 60’s and he was talking to a 22 year old. I mean… it’s not really that crazy. That could be his grandkid
I think it’s sweet
I'm in my 50's and live in the south. I have never called any man "honey."
@@laurab5849I think so too. Makes me think he’s always called his son and grandson that, and it’s really sweet and protective.
@@BeeDee-qs9so my dad calls the grandkids honey too sometimes so I do feel the same way.
☀️☀️☀️☀️☀️
12 x 100 = 1200 x10 = 10800? Haha
Eeeek Biden commercials on your show!
First 🥇🏆
Why was Dave so rude to first the guy.
Honest not rude.
Because he called into the show without knowing the basic facts. He wanted Dave to tell him his parents owed him 100k.
Because he didn't have his facts straight.
Because he was an unprepared idiot