Re-Imagine What a Life Well Lived Looks Like | June 14, 2024
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- Опубліковано 13 чер 2024
- The Ramsey Show (June 14, 2024)
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George Kamel & Dr John Delony answer your questions and discuss:
- Getting back on your feet after a divorce,
- "Should I pause the Baby Steps to go to Money & Marriage?"
- "What does a live well lived really mean?"
- When and how to combine finances when you get married
- How to help an elderly parent plan for the future,
- Making $88K and we can't afford to pay our debt.
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The first call, she could’ve got her Associates in RN and take the NCLEX to start working as a nurse. Then get the hospital to pay for her bachelors 🤷🏽♀️
👍
That's what I did, and there is zero reason for me to go back for my bachelor's where I live. Unless I want to move into NP, CRNA or make some other move from RN. Even my boss has an associates.
Yes! ADN to BSN is still a realistic way to cash flow your way to a bachelors!!
Exactly my thought. I did same . Finished my BSN while working. Doing same with my masters now.
Absolutely agree....I'm an Occupational Therapist who've worked with so many nurses that have done it this way...
Dream team!!!!! Dr. John and George are such a great team together. Great combo of empathy, wisdom, and kindness to all of the callers. ❤
Totally agree. My favorite non-Dave pairing
So funny today 😂
I just heard a young lady talk about charity and giving. One option for an act of charity could be to find your local Red Cross blood bank and schedule a donation. Blood donations are always needed.
Getting on the bone marrow registry, too! Takes two seconds to get on the list, and maybe save a life if you’re a match.
Listening to this on UA-cam on 6/16 and is it me or is anyone else getting ads after ads, back to back. I like listening on my laptop while I do things around the house but now I have to keep going back to my laptop to hit skip. How many times to I have to here about solar, new roofs, etc, it was never this bad?
Yes. A lot of long form infomercials.
Maybe this sounds cheesy but.... If you can't afford to give in monetary terms then give your time or your compassion. Letting someone go ahead of you in a queue or even just smiling at someone . Pick up litter in your neighbourhood or donate your old towels or bedding to an animal shelter. There are many free ways to give.
GK’s dramatic “RETIRE???” At 1:42:04 has me laughing so hard but he’s right! 😂
Lol, I love the pillow comments. I have a ton of decorative pillows too! I had like 30 at one point and have stopped buying them for the last three years.
First caller, get your ASN first and start working. Then do BSN part time. You'll make a lot more money than your job now.
Victoria from Vancouver- stop the ignorance. We DO pay for healthcare- for our entire lives, through our TAXES. We pay whether we use a little or a lot, and it’s the same for everyone. And did you never work outside your home and not also notice a deduction for a monthly healthcare plan from your paycheck? 🙄
No free lunch!
Hello you sound stress health care is a bill I would shop around because health care is alway changing try it
You can save some money maybe not a lot even if you just get out car loan and credit this is a big accomplishment ❤
@@SJhikes Exactly. People need to stop spreading misinformation about Canadians having “Free” healthcare. We pay for it our entire lives.😑
This is a new way of looking at it for me. Thanks for sharing this perspective.
I did a quick Google and found this: In 2020, …the average payment for public health care insurance ranges from $4,190 to $14,474…
The 10 percent of Canadian families with the lowest incomes will pay an average of about $471 for public health care insurance in 2020. The 10 percent of Canadian families who earn an average income of $65,522 will pay an aver- age of $6,627 for public health care insurance, and the families among the top 10 percent of income earners in Canada will pay $39,731.
Not sure if this is CAD or USD but interesting to have a ballpark understanding. Thanks again.
You get to pay for 9mo waiting periods for broken legs or gallbladder removal
On the fiancés plan to combine finances I agree on paying off the home but only after her name goes on the deed as well. I think she’ll feel a lot better about doing that then.
"Why do I need so many throw pillows on my bed" 🤣
If they aren’t there, you can’t throw them off😂😂
Ms. Catalina should connect with Andres Gutierrez. El enseña el plan de Dave Ramsey para la comunidad hispana. Dios los bendiga
The way Dave explains it, George and John don't really have a credit score of zero. They have no credit score. It's classified as "indeterminable."
Dave literally says he has a score of 0
@@JSerio1983 : He sometimes does, which must make it extra-confusing to casual listeners! But when he takes the time, he gives the full story.
I would like to think that people can get the point, whether they hear their score is 0 or indeterminable.
My two fav guys! 🥰 love this show! Thank u for all that you do…❤️❤️
Can you guys gift Danny and his wife FPU for Father's Day?
First caller you will be fine, hang on. And that's why my friends, so many people choose to be single, not even moving in with somebody
Just hilarious- My husband is so pleased that even the younger generations of males everywhere are utterly baffled by the concept of throw pillows and the mystery surrounding the “need” for them, particularly since (as George points out) nobody is actually allowed to use them as something to put their head on... LOL! Fortunately they ran out of time to discuss further, otherwise they might have addressed my husband’s favorite quandary of “show towels” in the bathroom which are never actually to be used by anyone wanting to dry their hands. He feels So Seen! 😂😂😂 1:14:14
I understand that they're supposed to be decorative, but what I don't understand is having a decoration that actively takes the space of something that could be functional. I have paintings on my wall, where they look beautiful and don't interfere with function. Having pillows that have to be taken off a bed or couch before you can sit on them makes no sense.
@@BlakouttheMM I absolutely agree with you! 😂
Sarah, sending you so much love from Kentucky. Please fight with all you can. 🙏
Thank you Dave and the Ramsey team! Common sense advice I am glad I heard back in the mid 90's. These baby steps work. Net worth millionaire even after two divorces and other financial bumps along the way. Being debt free is the only way to truly live.
Hey George and Big Doctor!
You guys really ROCK! :)
Thanks for all you do.
Gil in Downey, CA
"In Canada, we don't pay anything," is always said, but your quality suuuucks, and for anything important, people there go over the border to get it.
...or overseas. A friend of mine just got back from Thailand and told me that you could go there, or to Viet Nam, Cambodia, etc., w/$5000 cash in hand, get a hip replacement done by a US-trained doctor, and convalesce in a 4- or 5-star hotel! Some of that may be an exaggeration, but still, it's tempting.
@mickelsie5461 Please keep repeating this - tell everyone about our bad quality of healthcare 😃
No, they go to Europe in order to avoid the hellhole south of them.
I moved from Canada 10 years ago to southern USA. Health care is insanely expensive here and the quality is horrible!! I had wonderful healthcare in Canada and it didn’t take over a fourth of my paycheck.
And if you actually need to use your insurance for anything big like cancer, you’ll be fighting your insurance company to pay for treatments and care outside of the hospital. Needing extra insurance to cover what your main one does not. It is definitely not as a cheap and easy and Jon and George are portraying. I respect them greatly, but having lived on both sides of the border I do not agree when them on this one. Cost of living may be less but so is your paycheck!
The last caller with the upside down HOA, wanting to sell, I believe he can't sell the house with a past due HOA balance.
He can sell. They'll just settle the HOA at closing.
George saying “they always do” about money fights come up sounded like Roz from Monsters Inc, 😂 1:14:09
Why can't we skip over dave and Rachel selling life insurance?
Just a quick question as a long-time Ramsey fan. What is “head knowledge “? Isn’t all knowledge in your head?.
No
feeling/emotions vs. rationality/logic
To the caller with government pensions, i would still contribute to 401k or other retirement savings in case you or your spouse needs something very expensive like assisted living/nursing home care down the road.
You are amazing woman you can do this don’t pay nothing until you are a nurse great job save the 300 a month call and see what you own if half is 25,000 then if they sell cars for 20,00 you own only 19,000 total ❤
I don't understand why they had such a hard time understanding that someone would draw social security and keep working. It is a very common thing, come on guys.
18:20 we paid cash for both of our vehicles from two different dealerships in 2021, and NOBODY tried to convince us to finance either if them. The same thing at an even different dealership in 2019 with my MIL. Maybe things are different in my part of the country, maybe GK and JD are unknowledgeable (ignorant) about how dealerships actually work, or maybe they're knowingly using scare tactics. Before you get your undies in a twist, we met all of the Ramsey "rules" regarding net worth, annual income to car price, BS7, etc.
My family hits our max out-of-pocket by May of every year ... as you get older and start having recurring medical expenses, the financial cost will simply get higher (until you can start using Medicaid).
With 5 kids, I guarantee you that you will not manage to skirt in under your out-of-pocket max every year ... a simple visit to the ER will easily push you towards the max!!!
Don't let these costs put you off, but the guys are underplaying it
According to the Ramsey philosophy, in order to afford a $2000 mortgage/$300k home, you need a $120,000 salary!
That is $10k/mo - $2k taxes, then 25% of the raminding $8k.
That $2000 monthly gets you a $230k mortgage at 15yrs. For a nice $300k home after the 20% down payment.
I have no business buying but I can’t wait to get it. Lol. This is debtors problem precisely. 2:06
George!
Kevin, Dave has covered this topic and if you can search for it, it's really worth listening to. You can't beat the wisdom Dave himself can bring.
We have family in BC. V
Canadian Healthcare isn't free (tons of taxes to pay for it) and it's total crap! You wait so long for heart surgery that you die. True story
No score mortgage (manual underwriting) is what our country has as the standard process, unfortunately the “people in charge” are trying to transition to a credit score system like the US. I’ve been out of the finance world for a couple of years on maternity leave and for my own mental health I’ve not stayed up to date with this.
Dear Kevin, Go watch, again, a story by Charles Dickens, "A Christmas Carol". Mr. Scrooge was a real person, his story is so sad.
Would you sell the house? 2:00:26
They need to sell everything
Great duo
Do what I do with car dealerships, they will give a good to do monthly payments and I accept it then trunk around the next and just pay it off
Give a family a few bucks or take everything out to dinner
To that last caller. What a scam to have the elderly buy in on that. So many places are rent only and a fraction of that price with high quality assistance and I’m on west coast. Those are beyond full stop memory care rent prices!
This is for the last caller just want to let her know she can do 3 years associate nursing degree and when she start working and making the same amount as BSN, and if she still wants to get her Bachelor she can do it online and by then she will have plenty of money to cover her Debt.
25:23 I grew up lower middle class, and there was no palpable stress about money in our house. Such an unnecessary, dramatic statement. Quit putting words in people's mouths! Granted, this was during the '60s and '70s, so a much different way of life than what we currently see. Conspicuous consumption just wasn't a thing, at least where I grew up.
Wait...when you're paying off debt and are in "baby step 2", you shouldn't be giving away 10% of your money. I'm in total disagreement with that. If you feel the need to give, buy someone a cup of coffee, or a small lunch. Once you get on your feet, give as much as you want. You always need to help yourself before others.
Not sure on John D and George's advice on combining finances for that young fella and his future wife to pay off the house with her money she made and saved pre marriage. I would not do it as more than 50% of marriages end in divorce.
Paying it off AND getting on the deed would be ok but just paying it off and putting all the $ together -no way.
The 50% is BS stat. Majority of those are serial divorcees that inflate the numbers.
Give nothing until you are out of debt
Please, please, say that Dave is returning on Monday! Tough to listen to the dreck when he isn't present.
Stop telling people to hurry up and payoff their homes when they are under 50. Wealth multiplier is a real thing.
I’m mid 30s. House is about to be paid off. What’s the problem?
41 now. Paid off home at 39. It feels great!
You are experiencing gains by investing 15% into your 401k or Roth IRA simultaneously. Which baby steps are you following 😂
I know people will not want to admit it but the opportunity cost being missed on investing versus paying off a house especially one will an low interest rate is far greater than the value gained by paying off a house. Yes it feels great but that’s about it. Financially it’s almost always not the best decision.
@@michelleh9794 then work your own plan?
Paying off your house early removes risk and allows you to harness the full power of your monthly income.
Rates on investments are not guaranteed but a monthly fixed mortgage payment is always due in the same amount until the loan is paid.
No one is forcing you to follow the baby steps.
I’ll take Dave’s advice (billionaire) over a UA-cam comment section any day.
Tribute drinks and don’t want to be educated. So sorry my heart breaks for you ❤
Go out enjoy a hobby give a homeless person bucks give a good tip enjoy something ❤laught
Please next time advise the owner not to buy a Nissan, regardless of financial position
Cheaper house Danny.
Healthcare costs and such low wages make it the reason America would not be a viable option for a descent quality of life.. Australia is the best country in the world. Especially after visiting the states multiple times..
As a fellow Aussie, I agree!
Until you get arrested for mean words on Facebook or imprisoned for not taking the cl0t sh0t
So she adds $200K to and pays off his house and not have equity in case things go south? she should be put on the deed. They should have emphasized that.
why is it so "wise" to invest in stocks rather than real assets such as memorabilia? Just because Warren doesn't invest in a certain asset you really should knock it just based that otherwise you dont understand his philosophy on investing and makes you sound foolish
One is actually worth money and one is just a drumset you hope someone dumber than you 20 years from now will pay more money for it than you did.
If you dont know how repos work, then stop trying to answer the question.
Worst duo
As educated as Delony is, why is his grammar so poor?
I think John wants to avoid that “holier than thou” superiority attitude. I’m the same way. I try to avoid wearing my lab coat and use very basic lingo generally because I like to keep an open and comfortable dialogue with my patients and others around me. It’s just a style.
@@RS-xq4hf Interesting. So "me and my wife" is everyday lingo now? I mean, I hear that a lot, and i just figure people have learned it that incorrect way, not that they are making a choice to sound a certain way. But thanks for your input on it.
@@DoctorSmartyPants No I see what you’re saying! Maybe his mind is faster than his mouth sometimes and being live on air certainly doesn’t help with catching all of his errors. George does a great job speaking on air.
@@RS-xq4hf Agree 100%
@@DoctorSmartyPantsevery single personality, Dave included, uses poor grammar. They are ALL college educated. It's like nails in a chalkboard to me whenever I hear them or a caller say that.
Canadians, just walk across our border! Everyone else is.
False. You're all going to Europe to avoid the hellhole to the south.
@@amireallythatgrumpy6508 mentally ill leftist 😂 just crying about America everywhere in the comments