I’ve stopped listening to music while I’m cleaning at home and on my commute and listen to them instead. Literally life changing. Recommend to anyone who will listen lol!
Break free from loyalty and take a job that benefits your family. I finally did it last year and when I did I realized quickly that the loyalty I felt was a one way street. Go for it and take the job.
I love how you take your time to educate your viewers we all strive towards financial stability and a better Life. It is easy to achieve this through the right investment, by living frugally and budgeting. I'm glad I learnt early in life to work hard for financial freedom
Even though I engage in investing, I feel disheartened by my lack of expertise in assessing the performance of individual companies and determining the optimal timing for stock purchases. The erosion of my financial reserves due to inflation adds to my concerns. At this point, I require precise market trajectory information, but I find myself unsure about the appropriate course of action.
Yes true, I have been in touch with a financial advisor. With an initial starting reserve of $80k, my advisor chooses the entry and exit commands for my portfolio, which has grown to approximately $550k.
Finding financial advisors like Sophie Lynn Carrabus who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
As a mom, my heart goes out to the first caller who is pregnant. I wish I could hug her and tell her it will be ok. 75k is a great income for u and baby. A baby is only as expensive as a parent wants it to be. I would get second hand everything for the first year because they grow so fast. Unfortunately even her being 10 weeks along. If she is looking into daycare she should put her child on the wait list now. I put mine on at the same time and I waited over a year for her to go to daycare.
Not with $50,000 in debt. Yes she can get second hand but she still needs to pay for diapers, childcare and formula depending on if she breastfeeds or not. Hopefully her mom can take care of the baby until she climbs her way out of debt.
@@TheRealTommyBear33exactly. Nobody is asking that question. She was without baby making 75k a year and moved in with her parents? Something is off. I know women that make 35k a year and have two kids and are living just fine.
The fact that she decided to have unprotected sex and then blame the man is crazy tho. So many options for women when it comes to birth control and she didn't consider not one and now y'all talking about child support? Wow smh I feel more for the baby growing up without both parents.
To be fair, ALL Ramsey personalities have gone through the program. George had 40k in debt, Dr. Delony had six figures in debt, Jade had six figures in debt, believe Ken had some debt. I think the only person who has never had debt is Rachel but she has still worked through the other baby steps! Some personalities are on BS 4,5,6 and others are on BS7.
Mr. Ramsey saved my life through his tapes & book series I used his methods to pay off all my debt before being laid off. Cut the cable used that money toward my debit. My old money habits long gone I’ve been debt free 13yrs. Financial Peace Univ is real. 😊
A former friend of mine got addicted to Cross Fit and quit his solid job as an engineer in the military to open a gym. In 2 years he lost 45 lbs got a girlfriend, left his wife and daughter, and went bankrupt. Be careful opening a gym.
We don’t know the situation. For all we know is that she knew about his other life and thought she could change him. I’ve seen this story multiple times. And she might of thought keeping the baby would keep him. But it didn’t
Tiffany heard her biological clock ticking. She may deny knowing he had another relationship, but she expected him to choose her. Go after him for child support. It will probably cost him his other relationship, too bad.
I hope she hires a very savvy lawyer to go after child support. There are a lot of things to consider. Will the child need braces, go onto further education, play in sports? It's not only for food and shelter, it's for all the every day and every year things till that child is 21. She's not being kind or considerate "thinking about it" and I can understand that because it's just happened but she needs to do a lot of research on to other child support documents and find a lawyer who will get the child support it needs.
@@pamsmith1665 Of all the comments here that created their own narrative from Tiffany's story and ran with it, yours is the craziest of them all. LOL! It's funny how you assumed she was even hoping to have children in the first place. 35 is not old to have children, considering women are having children in their 40s these days. Also, she said "she ended up finding out" which sounds like she didn't know the other relationship was going on. Seems kind of backwards to assume all this from the situation as a complete stranger, but great soap opera plot!
Omg we are so lucky in the UK, not all companies are the same, but I got 6 months maternity leave on full pay, the next 3 months on half pay and then had the option to take a year with the last 3 months unpaid. I saved up £6,000 in the run up to having my baby, which meant I was then able to take the full year.
oh yea, Europe is a lot better when it comes to maternity leave. America really doesn't care about helping parents, proving affordable day care, paid maternity leave, affordable child health insurance. You get nothing from your employer. I am from Eastern Europe , living in America and the more i learn about the American system, them more I question my decisions of living here.
@@TimesUp8888. I always thought an American could be from North America, Central America or South America. If the people in the United States call themselves American, then the next question should be…what part of America…North America, Central America or South America? What country in America?
@@msbluejay3no an American would be from the United States of America a Canadian would never call himself a North American or an American he would say I'm Canadian and a South American would always call himself by the buy the countries from not the continen
@@ToOpen6sevenRachel is Dave's only child who is a Ramsey personality. Daniel, his son, is CEO of Ramsey Solutions iirc and Denise, his other daughter, works elsewhere I believe.
I subscribed to the show because this information is priceless. Dave is wise. Also, he has a sense of humor. I love the way they incorporate scripture/word of GOD during the show. After listening to The Dave Ramsey Show, I really want to start making wise decisions when it comes to my money. Jade is wise as well when it comes to money decisions. Thank you all for sharing your knowledge. May GOD continue to guide and bless you all! ✝️🙏🏽❤️
Oh god, this happened to me! But the other woman was the one who got pregnant. We became friends and she is STILL fighting him in court for child support. What a nightmare
People have no idea how many men cheat. They have two or three on the side and they are such great liars that you have no idea that you're being cheated on. You are probably a great source of strength for her and the baby and I admire you for that!
@@brookelondon8029 I mean lots of women take them back and ignore red flags. if majority of women left when they saw bs men wouldn't risk it. Still their fault but just my observation
Dave, I listen early every morning right now during tax season as I review returns. Fighting the battle of "Taxation without competent representation" for nearly 20 years.
As a former gym owner, THANK YOU Dave for steering those kids to a different entrepreneurial opportunity. Our gyms were highly profitable, and still a difficult experience. Post-COVID, we transitioned to a one-to-one, bespoke service with no overhead. Far less stress, far more profit!
32:00 That is not bizarre because You Are The real Deal! I listen to you guys from europe, totally diferent numbers but the same principles apply, it really is a behaviour issue, you brought so much light and peace into my life ❤❤❤ I am currently debt free and saving for retirement 😊 thank you very much!
Confused about why single mom "needs" to move out of her mom's house???? What? Reality is a single mom needs emotional, physical, and financial support with new baby. Seems like mom could give her some grace for the short time a baby is a baby...her grandchild. Once baby can talk and olden enough for some kind of school, it's safe for out of family care. There's a LOT of issues and research of negative impact of day care in this nutty world. People make all kinds of sacrifices to put kids through college, but dismiss importance and value of MOST CRITICAL time of when new baby's entire brain is wired and character shaped for a lifetime. A child's entire personality and character is DONE by time child is SEVEN years old. Without a solid, secure infant phase, children are set-up for failure.
For the guy who was staying home and the wife who wanted him to get him on board. I recommend the guy getting his T levels checked. I was in a rut like that and found out I had low T. Changed my life/mindset
I pray Lord Jesus that you help out Tiffany. Please help her out and be there when she is feeling alone or in difficult times during her pregnancy and I pray if she only believes in you that she starts to get to know you in Jesus name. ❤️🙏🏽
Dave Ramsey and his crews advice makes more sense than any that I have gotten I really appreciate his no nonsense attitude toward things and really can't wait to get farther in what he teaches and become a baby steps millionaire.
Its My 3rd day of listening to this kind of content. Heavily loaned hope to be redeemed by these lessons. But living in country like mine [Lesotho] i wonder the possibility of having several jobs!!! the first day i couldn't sleep at all
I saved up a couple of yrs (3,) & finally bought a car owned by myself last month. I'm saving again and love that all I get to pay for is good insurance to keep the car. ...
Tiffany should go to the Crisis Pregnancy Center in her area. Yhey help moms during pregnancy with supplies and even after, a year the baby is born. Provide resources as well.
It’s pitiful that people don’t recognize simple respect for your elder in Jade’s demeanor with Dave. She’s deferring a lot to his wisdom-and she should. The calls they took are much deeper than what I’ve heard her and George tackle. Go Jade, you’re doing great!!
I’m not going to a rock wall gym built by a 20 year old who has no construction experience. I’m surprised Dave didn’t mention that. And CrossFit gyms aren’t “working” either. Margins suck there too.
How can you say she paid twice as much for her vet degree? Based on what? I have heard so frequently that Vet school is so competitive because there aren't enough of them. Maybe she should have saved more to get herself through, but I heard the call the other day with Jade and George. It was bad advice. You can't stop vet school part way through. How does that help anything? She made a bad decision, maybe, so she should bail without a degree? Am I not understanding this properly?
You absolutely can pause halfway through veterinary college. Not ideal, but it's done. I did, due to medical issues. At that time, I was granted two years to re-enroll with one of the following classes. After that, I would have to reapply but if all issues were resolved would be pretty much guaranteed acceptance. That may have changed since I was in school, and it may vary by college. She should definitely talk to the Dean.
Reverse mortgages are a joke. They tell you that they'll give you a loan against your house and when you die it's deducted from your estate and your children still get the house after that money is deducted. That is a lie. It's not that simple. The fees are astronomical and with their income, they are much better off doing one repair at a time, saving up, and not risking their home.
I owned a gym, and it destroyed me, even though I did a business plan, met with mentors at the Small Business Administration, had substantial experience in the business, had my own clients, etc. It was the wrong neighborhood, wrong time, apathetic neighborhood, not enough money, no chance of getting a business loan from the bank where I owned accounts for over 15 years, etc. It was a perfect storm of crazy. Gyms are losing money unless you're in a wealthy, big chain. That young man is about to lose his friends, his money, his credit, a good amount of the best years of his life, his self-respect, and anything good that life has to offer.
To the lady who's afraid to change her job: tell your current boss you want to stay but the other offer is better, let's see if the current employer matches the hours and money, if that happens: stay loyal! if not: leave, they are not loyal to you, why should you stay?? (I know she won't read it but it's a good advice someone gave me once and it's nice to pass it on)
I just started reading again im a little embarrassed to admit that but im happy that my first book i just finished is the baby steps to millionaire and im so glad i came across this. 🎉❤i am ready to start.
Because that's the logical time for her to get used to living on her own if she is going to do so after the baby. The Mom might not want to start again with a young child in the home.
Well she acted like she ran the business that the husband obviously owned that's why she hasn't done it since she divorced the husband and she didn't know any of the numbers
All of the personalities can learn so much from Dave - but also, Dave knows the value of learning from others which is why the personalities layer the show so well. Great people around you will stabilize the company and allow all of them to ripple out more positive impact! John and Jade and George and Rachel bring so much to the team. Also love Ken and loved Anthony. John’s show is incredibly helpful. And I look forward to Jade having her own with “how to get it done” practical/ been there spice!! Also, George is incredibly talented with snark and details, love his UA-cam! I still follow Christy B Wright as a female entrepreneur and believer! Dave sees great people and hires personalities well.
Did you get to the part where the divorced mom had the 5 million house and 700k in the bank and then acted like she ran the business that the husband obviously owned
Me and my significant other just found the baby steps and Dave Ramsey and I wish I would have found you 2 months before this, due to buying a house but at the same time I wouldn't have found you I think if I wouldn't have bought the house and I just want to say thank you guys for what you do because you guys made me take a step back and look at how I am with money and it was not the best and now me and my significant other are on baby step 2 and making our way to becoming debt free! Thank you guys really for doing what you do I really appreciate and I am spreading the word about you guys and your program!
I would ask her mom if she could stay the 1st year of the babies life. She going to need help and support. This would also give her time to pay off a few bills before getting her own place.
She makes 75k moved in with her mom to get her life together queue songsong plays You let him hit it raw (raw) You didn’t have second thoughts (thoughts) Now you a single mom (mom) Now you a single mom (mom) You said I'ma have this kid (kid) Don’t care if he’s here or not (not) But now you a single mom (mom)
I have learned so much watching this channel. I make a relatively good income but if you asked me where my money went each month I couldn’t tell you. I also impulse bought items I didn’t need and racked up some credit card debt. Making a budget was eye opening. I first made one based on what I “thought” I was spending and realized how far off I was in some areas. I don’t eat out very often but when I do it’s usually a nice dinner with drinks and I realized I was blowing $250 on 2-3 dinners a month. I’m now more confident with my spending habits, can pretty accurately estimate my spending, and will be debt free by September of this year. My only criticism to the general recommendations these folks make is when they suggest people need to spend the bare minimum and live like a college student eating ramen noodles. I suppose each person’s financial situation is different, but for me it’s like starting a diet and going cold turkey. Eventually most people will binge. Had I thrown every penny at my debt I think I would have failed. I still allow myself a little “fun” money so it’s not so restrictive. At the end of the day it will cost me an extra $250 in interest but it’s worth it to me to have some flexibility to still spend a little on non essentials. I’m sure it’s a completely different situation for people who struggle just to make ends meet.
Tiffany needs to get a paternity test established from that bone head and go after child support once the baby is born. The guy is gonna try to avoid it. But, she needs money for that kid and to know that guys medical history, in case the kid has issues later that require a blood transfusion or some other medical issue. Its never easy to be a single parent even if the other parent helps out, but not having any info about the father is gonna hurt the kid in the long run. She absolutely needs to get an attorney to help her go after paternity testing and child support....or he signs away his rights in exchange for family medical history information.
song plays You let him hit it raw (raw) You didn’t have second thoughts (thoughts) Now you a single mom (mom) Now you a single mom (mom) You said I'ma have this kid (kid) Don’t care if he’s here or not (not) But now you a single mom (mom)
That's so true. My first husband left me with a toddler and an infant Never heard from him again My girls are in their 40s now but I worked full time and l went to school full time for a career as an RN I learned to make smart choices at the grocery store and never ate out my family helped me and I succeeded. Change your circumstances if you don't like them. Now we are on babystep #2 paying off our debt. My husband and I. Thanks Mr Ramseu
Last call AJ Denver - coffee shop guy. You also need to consider other factors. A coffee shop will be most visited in evenings and weekends. Will your wife and family be happy with you gone most of that time - a totally different schedule than what they have been used to with you as an engineer? Will your wife deal well with fluctuating rather than a steady income? LOTS of things to consider - this would be a seismic change of lifestyle.
I have noticed a lot of people get solar panel on a loan and then regret it. Do they not think about the decision before they do it? Are the sales people really that good?
Dose ramsey provide FPU in spanish I been teaching my church I been translating it all myself but was wondering if there's a FPU in spanish to make it easier
For the woman that says she’ll be making an extra $27 k a year by taking a job out of town doesn’t take into consideration that she’ll be driving an extra 35,000 miles a year . She’ll be blowing through a lot of gas and will probably have to buy a new car every few years .
Solar panels with a reputable company is a good deal. Paid cash for net zero, and the electric company actually got 3 months from me this year because it was a mild winter. Payoff is expected at 8 years on 30 year panels.
As a man who raised his children until high school and then voluntarily (no court order) pays child support to mom because they now live with her full time, yet she still treats me with disrespect…this is a one sided story. There is little to no evidence that the dad did anything but be manipulated and or misunderstood. Definitely talk to him before y’all male bashers jump on the dirtbag wagon. No one can be considered innocent in a situation like this. Do your homework people 🤦🏼♂️.
Child support - should file with district Attorneys office immediately. They keep track, they collect it (a lot do not pay Even in court order to pay) thus, DA has ability to have it taken out of their check before they get it. They also keep track of amount owed so if they quit or ditch, the amount accrues and is debt they can take when monies come up again.
we just paid off our 23k car but wondering if i should sell it cause we only make 60 k or less a year we paid it off in 7 months now we are looking for a house
Imo, no! Keep it well maintained and drive it until the wheels fall off, it's paid for! Turn that payment toward something else, down payment account, etc
Who looks after the baby whe she returns to work? In the uk maternity is a lot longer and paid longer but then when a parent returns to work childcare is very very expensive
For the solar panels, has he been registered for SREC? This account has to be set up so you sell your excess energy. This starts to cut down your monthly bill. Also, talk to cos about the tax credit
@@georgeslupski5987 I would like women NOT to "find themselves pregnant" in this day and time when there are so many methods of birth control that are both available and cheap. (And I'm a woman who raised two daughters who did NOT "find themselves pregnant" before they were married and decided to have children.)
In Texas they can’t garnish you but they can highjack your bank account. Imagine your mortgage is due which is set up on auto draft and you wake up and account has a zero balance. What are doing now?
CA made it mandatory to have solar panels on all new homes constructed after 2020, and any older homes that have additions added to the home. For the new homes, they make you buy or lease them on top of the home price, and you cant even choose them yourself! So irritating!
I’ve stopped listening to music while I’m cleaning at home and on my commute and listen to them instead. Literally life changing. Recommend to anyone who will listen lol!
I also stopped listening to music. It’s either Bloomberg or nothing. Now im adding this
I listen this one hour per day!
I was in my 50's when I found Dave, so happy I did😊
Same!
I agree 💯
I like the way Jade is listening keenly . When you are with a mentor, take as much as you can.
posing
Break free from loyalty and take a job that benefits your family. I finally did it last year and when I did I realized quickly that the loyalty I felt was a one way street. Go for it and take the job.
It 100% is. If your job or work was no longer generating sufficient profit for the company you work for, they wouldn’t hesitate to let you go.
Now to find one . . .
I love how you take your time to educate your viewers we all strive towards financial stability and a better Life. It is easy to achieve this through the right investment, by living frugally and budgeting. I'm glad I learnt early in life to work hard for financial freedom
Even though I engage in investing, I feel disheartened by my lack of expertise in assessing the performance of individual companies and determining the optimal timing for stock purchases. The erosion of my financial reserves due to inflation adds to my concerns. At this point, I require precise market trajectory information, but I find myself unsure about the appropriate course of action.
Considering the prevailing economic climate, I recommend seeking a mentor or a knowledgeable advisor who can provide guidance and support.
Yes true, I have been in touch with a financial advisor. With an initial starting reserve of $80k, my advisor chooses the entry and exit commands for my portfolio, which has grown to approximately $550k.
@@PatrickLloyd- Who is this person guiding you and how can i reach he/she?
Finding financial advisors like Sophie Lynn Carrabus who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
As a mom, my heart goes out to the first caller who is pregnant. I wish I could hug her and tell her it will be ok. 75k is a great income for u and baby. A baby is only as expensive as a parent wants it to be. I would get second hand everything for the first year because they grow so fast. Unfortunately even her being 10 weeks along. If she is looking into daycare she should put her child on the wait list now. I put mine on at the same time and I waited over a year for her to go to daycare.
I hope that she gets the child support that he deserves to pay. What an a$$
Not with $50,000 in debt. Yes she can get second hand but she still needs to pay for diapers, childcare and formula depending on if she breastfeeds or not. Hopefully her mom can take care of the baby until she climbs her way out of debt.
75k and lives with parents how is she having money issues that is insane.
@@TheRealTommyBear33exactly. Nobody is asking that question. She was without baby making 75k a year and moved in with her parents? Something is off. I know women that make 35k a year and have two kids and are living just fine.
The fact that she decided to have unprotected sex and then blame the man is crazy tho. So many options for women when it comes to birth control and she didn't consider not one and now y'all talking about child support? Wow smh I feel more for the baby growing up without both parents.
Jade is my fav person on this show. Just more relatable. Good to see someone that has gone through the program. I love her!
To be fair, ALL Ramsey personalities have gone through the program. George had 40k in debt, Dr. Delony had six figures in debt, Jade had six figures in debt, believe Ken had some debt. I think the only person who has never had debt is Rachel but she has still worked through the other baby steps! Some personalities are on BS 4,5,6 and others are on BS7.
I think she's a bit scarey! But she has grown on me. Sometimes when others are presenting I imagine the no-nonsense answers Jade would give,
Yup Jade and George
And she’s FINE as WINE 😍🤣
@@mjax8614”scarey” get real
When Jade said, “Montell Williams”made me laugh! Blast from the past. Love love Jade!!
Mr. Ramsey saved my life through his tapes & book series I used his methods to pay off all my debt before being laid off. Cut the cable used that money toward my debit. My old money habits long gone I’ve been debt free 13yrs. Financial Peace Univ is real. 😊
A former friend of mine got addicted to Cross Fit and quit his solid job as an engineer in the military to open a gym. In 2 years he lost 45 lbs got a girlfriend, left his wife and daughter, and went bankrupt. Be careful opening a gym.
Oh, wow! I hope that caller reads this.
Why did he leave his wife ?
Temptation ?
Gyms fail... omg... I've seen that too
He risked it for the biscuit
😂😂😂
Tiffany is a brave woman to keep her baby. Her baby daddy is a coward for telling her to get an abortion and running away.
💯
Pregnancy was planned , just didn't work the way she thought.
Ugh.Only in America would anyone use an illiterate term like "baby daddy".
@@amireallythatgrumpy6508 She's apart of the 8%.
We don’t know the situation. For all we know is that she knew about his other life and thought she could change him. I’ve seen this story multiple times. And she might of thought keeping the baby would keep him. But it didn’t
I applaud Tiffany for keeping her child.
Amen. She and her child will be fine and the baby daddy will regret his decision to abandon them.
Tiffany heard her biological clock ticking. She may deny knowing he had another relationship, but she expected him to choose her. Go after him for child support. It will probably cost him his other relationship, too bad.
People forget adoption is still an option
I hope she hires a very savvy lawyer to go after child support. There are a lot of things to consider. Will the child need braces, go onto further education, play in sports? It's not only for food and shelter, it's for all the every day and every year things till that child is 21. She's not being kind or considerate "thinking about it" and I can understand that because it's just happened but she needs to do a lot of research on to other child support documents and find a lawyer who will get the child support it needs.
@@pamsmith1665 Of all the comments here that created their own narrative from Tiffany's story and ran with it, yours is the craziest of them all. LOL! It's funny how you assumed she was even hoping to have children in the first place. 35 is not old to have children, considering women are having children in their 40s these days. Also, she said "she ended up finding out" which sounds like she didn't know the other relationship was going on. Seems kind of backwards to assume all this from the situation as a complete stranger, but great soap opera plot!
Too funny, Jade! There is a coffee truck that raises money for religious organizations near my house, and its name is "He-Brews." Genius.
😂 that's hilarious
There is also a stand in IL 2 miles from my house with the same name "He-Brews"
I was part of a women’s Bible study one time called “She-Brews” there was coffee and Bible, good stuff 😂
Jade is my fave! Brains, beauty, class and sass.
Omg we are so lucky in the UK, not all companies are the same, but I got 6 months maternity leave on full pay, the next 3 months on half pay and then had the option to take a year with the last 3 months unpaid. I saved up £6,000 in the run up to having my baby, which meant I was then able to take the full year.
oh yea, Europe is a lot better when it comes to maternity leave. America really doesn't care about helping parents, proving affordable day care, paid maternity leave, affordable child health insurance. You get nothing from your employer. I am from Eastern Europe , living in America and the more i learn about the American system, them more I question my decisions of living here.
@@violetagira8687Specifically the USA…not all of America. Canada, being still in America, first introduced paid maternity leave in 1971.
@@BeeDee-qs9so Canada and Mexico are in North America. Not America. Everyone in the entire world knows what ppl mean when they refer to "Americans."
@@TimesUp8888. I always thought an American could be from North America, Central America or South America. If the people in the United States call themselves American, then the next question should be…what part of America…North America, Central America or South America? What country in America?
@@msbluejay3no an American would be from the United States of America a Canadian would never call himself a North American or an American he would say I'm Canadian and a South American would always call himself by the buy the countries from not the continen
I love "He Brews"!
I also like:
"Heaven Scent", "Java Script' ", "Roman Foam" and "Kings Cup"
Anyone else?
Dave: "Absolutely! We do it all the time!"..... that felt really inspiring. Made me feel like I could take on the world!
Dave you have a wonderful family. Your kids on the show are very very smart kids. Thank you and your family for all the advices.
I know about Dave’s beautiful daughter on the show but who are his other kids on the show?
@@ToOpen6sevenRachel is Dave's only child who is a Ramsey personality. Daniel, his son, is CEO of Ramsey Solutions iirc and Denise, his other daughter, works elsewhere I believe.
I subscribed to the show because this information is priceless. Dave is wise. Also, he has a sense of humor. I love the way they incorporate scripture/word of GOD during the show. After listening to The Dave Ramsey Show, I really want to start making wise decisions when it comes to my money. Jade is wise as well when it comes to money decisions. Thank you all for sharing your knowledge. May GOD continue to guide and bless you all! ✝️🙏🏽❤️
Dave is such a thoughtful person, and I love his advice on money management and life in general!
Oh god, this happened to me! But the other woman was the one who got pregnant. We became friends and she is STILL fighting him in court for child support. What a nightmare
People have no idea how many men cheat. They have two or three on the side and they are such great liars that you have no idea that you're being cheated on. You are probably a great source of strength for her and the baby and I admire you for that!
@@brookelondon8029 I mean lots of women take them back and ignore red flags. if majority of women left when they saw bs men wouldn't risk it. Still their fault but just my observation
She’s in a tough spot. Thanks for helping get her feet under her. I wish her and her child well.
I'm glad she chose life. If there's a next time, I hope she chooses a better partner.
I dont believe for one minute the pregnancy was unplanned. She expected him to choose her
@@Nigriffshe knew. Her biological clock was ticking
Dave, I listen early every morning right now during tax season as I review returns. Fighting the battle of "Taxation without competent representation" for nearly 20 years.
As a former gym owner, THANK YOU Dave for steering those kids to a different entrepreneurial opportunity. Our gyms were highly profitable, and still a difficult experience. Post-COVID, we transitioned to a one-to-one, bespoke service with no overhead. Far less stress, far more profit!
I Would think the amount of insurance you pay for a rock climbing gym would be pretty high too
32:00 That is not bizarre because You Are The real Deal!
I listen to you guys from europe, totally diferent numbers but the same principles apply, it really is a behaviour issue, you brought so much light and peace into my life ❤❤❤ I am currently debt free and saving for retirement 😊 thank you very much!
I love in a developing country and but started implying these principles, same
Confused about why single mom "needs" to move out of her mom's house???? What? Reality is a single mom needs emotional, physical, and financial support with new baby. Seems like mom could give her some grace for the short time a baby is a baby...her grandchild.
Once baby can talk and olden enough for some kind of school, it's safe for out of family care. There's a LOT of issues and research of negative impact of day care in this nutty world.
People make all kinds of sacrifices to put kids through college, but dismiss importance and value of MOST CRITICAL time of when new baby's entire brain is wired and character shaped for a lifetime. A child's entire personality and character is DONE by time child is SEVEN years old. Without a solid, secure infant phase, children are set-up for failure.
For the guy who was staying home and the wife who wanted him to get him on board. I recommend the guy getting his T levels checked. I was in a rut like that and found out I had low T. Changed my life/mindset
How'd you recover?
@@josiefromtherose-war2721 t levels went from 99 to 830 and I feel great
Jade is absolutely stunning! I love her fro but her hair pulled back out her face is just WOW!
I pray Lord Jesus that you help out Tiffany. Please help her out and be there when she is feeling alone or in difficult times during her pregnancy and I pray if she only believes in you that she starts to get to know you in Jesus name. ❤️🙏🏽
Dave Ramsey and his crews advice makes more sense than any that I have gotten I really appreciate his no nonsense attitude toward things and really can't wait to get farther in what he teaches and become a baby steps millionaire.
Jade is so pretty!
She has a different look every show 😅
She's debt free too 🎉.
Its My 3rd day of listening to this kind of content. Heavily loaned hope to be redeemed by these lessons. But living in country like mine [Lesotho] i wonder the possibility of having several jobs!!! the first day i couldn't sleep at all
Good on Tiffany for keeping her child. ❤
I am scared of Dave Ramsey! He doesn't play when it comes to money! He will "whip" you into shape!
I saved up a couple of yrs (3,) & finally bought a car owned by myself last month. I'm saving again and love that all I get to pay for is good insurance to keep the car. ...
Tiffany should go to the Crisis Pregnancy Center in her area. Yhey help moms during pregnancy with supplies and even after, a year the baby is born. Provide resources as well.
Your doing a Great Job Jade!!🎉
I ve never read your books.. but common sense and budgeting has made my financial condition great
14:38 - love those smiles. good vibes
It’s pitiful that people don’t recognize simple respect for your elder in Jade’s demeanor with Dave. She’s deferring a lot to his wisdom-and she should. The calls they took are much deeper than what I’ve heard her and George tackle. Go Jade, you’re doing great!!
I’m not going to a rock wall gym built by a 20 year old who has no construction experience. I’m surprised Dave didn’t mention that.
And CrossFit gyms aren’t “working” either. Margins suck there too.
jade with the ultimate dad joke ftw. "HeBrews Coffee" 😂
😅
How can you say she paid twice as much for her vet degree? Based on what? I have heard so frequently that Vet school is so competitive because there aren't enough of them. Maybe she should have saved more to get herself through, but I heard the call the other day with Jade and George. It was bad advice. You can't stop vet school part way through. How does that help anything? She made a bad decision, maybe, so she should bail without a degree? Am I not understanding this properly?
You absolutely can pause halfway through veterinary college. Not ideal, but it's done. I did, due to medical issues. At that time, I was granted two years to re-enroll with one of the following classes. After that, I would have to reapply but if all issues were resolved would be pretty much guaranteed acceptance. That may have changed since I was in school, and it may vary by college. She should definitely talk to the Dean.
Molly, use the commute time to listen to Ramseys podcasts! It can be time for yourself.
I also do this. Not just Dave, but also audiobooks. Just use the time wisely and it isn't wasted
Reverse mortgages are a joke. They tell you that they'll give you a loan against your house and when you die it's deducted from your estate and your children still get the house after that money is deducted. That is a lie. It's not that simple. The fees are astronomical and with their income, they are much better off doing one repair at a time, saving up, and not risking their home.
Hi Dave, please make every dollar app accessible in Ontario, Canada. I would love to use the app, thanks.
It's a pleasure listening to Mr. Ramsey and his team.
I owned a gym, and it destroyed me, even though I did a business plan, met with mentors at the Small Business Administration, had substantial experience in the business, had my own clients, etc. It was the wrong neighborhood, wrong time, apathetic neighborhood, not enough money, no chance of getting a business loan from the bank where I owned accounts for over 15 years, etc. It was a perfect storm of crazy. Gyms are losing money unless you're in a wealthy, big chain. That young man is about to lose his friends, his money, his credit, a good amount of the best years of his life, his self-respect, and anything good that life has to offer.
To the lady who's afraid to change her job: tell your current boss you want to stay but the other offer is better, let's see if the current employer matches the hours and money, if that happens: stay loyal! if not: leave, they are not loyal to you, why should you stay?? (I know she won't read it but it's a good advice someone gave me once and it's nice to pass it on)
Jade is a completely different person with Dave than other hosts. But I guess maybe we all would be sitting next to our boss. On the air… lol 😂
I absolutely agree 💯
35 y/o old enough to know better!!!..she says she knows. .so why call the show after the fact.. that's what you call .. ass backwards!!!
I've noticed that too.
Jade looks too serious. Something is up......
They all suck up to him in adulation. It’s very annoying. But I still listen.
I just started reading again im a little embarrassed to admit that but im happy that my first book i just finished is the baby steps to millionaire and im so glad i came across this. 🎉❤i am ready to start.
Not sure why getting out of her moms house is a priority with a baby one the way
Agree. As a mom if I could I'd want to help.
Because that's the logical time for her to get used to living on her own if she is going to do so after the baby. The Mom might not want to start again with a young child in the home.
You never know the situation of her with her parents. There might be some tension between them that we don’t know
@@JasmineMGorton true
@@Trustbutverify2651I disagree..
yep Dave employers don't skip a beat when you leave. The beat goes on!
Watch you everyday! Love it! Can't download the Every Dollar app though because I live in Saskatchewan, Canada.
Thank you for your honesty and integrity. Very much enjoyed this interaction.
Dave: "You have over 4 million dollars in assets, you've been living a luxurious life"
Caller: "Well... It's all relative"
lol relative indeed.
Well she acted like she ran the business that the husband obviously owned that's why she hasn't done it since she divorced the husband and she didn't know any of the numbers
All of the personalities can learn so much from Dave - but also, Dave knows the value of learning from others which is why the personalities layer the show so well. Great people around you will stabilize the company and allow all of them to ripple out more positive impact! John and Jade and George and Rachel bring so much to the team. Also love Ken and loved Anthony. John’s show is incredibly helpful. And I look forward to Jade having her own with “how to get it done” practical/ been there spice!!
Also, George is incredibly talented with snark and details, love his UA-cam! I still follow Christy B Wright as a female entrepreneur and believer! Dave sees great people and hires personalities well.
This is the episode that has changed my entire life.
Did you get to the part where the divorced mom had the 5 million house and 700k in the bank and then acted like she ran the business that the husband obviously owned
Me and my significant other just found the baby steps and Dave Ramsey and I wish I would have found you 2 months before this, due to buying a house but at the same time I wouldn't have found you I think if I wouldn't have bought the house and I just want to say thank you guys for what you do because you guys made me take a step back and look at how I am with money and it was not the best and now me and my significant other are on baby step 2 and making our way to becoming debt free! Thank you guys really for doing what you do I really appreciate and I am spreading the word about you guys and your program!
Marry her!
Punctuation please!
Keep the calls coming! 📞 Love how many calls you are fitting into each segment the last 6 months! 👏👏👏
I would ask her mom if she could stay the 1st year of the babies life. She going to need help and support. This would also give her time to pay off a few bills before getting her own place.
She makes 75k moved in with her mom to get her life together queue songsong plays You let him hit it raw (raw)
You didn’t have second thoughts (thoughts)
Now you a single mom (mom)
Now you a single mom (mom)
You said I'ma have this kid (kid)
Don’t care if he’s here or not (not)
But now you a single mom (mom)
I have learned so much watching this channel. I make a relatively good income but if you asked me where my money went each month I couldn’t tell you. I also impulse bought items I didn’t need and racked up some credit card debt. Making a budget was eye opening. I first made one based on what I “thought” I was spending and realized how far off I was in some areas. I don’t eat out very often but when I do it’s usually a nice dinner with drinks and I realized I was blowing $250 on 2-3 dinners a month. I’m now more confident with my spending habits, can pretty accurately estimate my spending, and will be debt free by September of this year. My only criticism to the general recommendations these folks make is when they suggest people need to spend the bare minimum and live like a college student eating ramen noodles. I suppose each person’s financial situation is different, but for me it’s like starting a diet and going cold turkey. Eventually most people will binge. Had I thrown every penny at my debt I think I would have failed. I still allow myself a little “fun” money so it’s not so restrictive. At the end of the day it will cost me an extra $250 in interest but it’s worth it to me to have some flexibility to still spend a little on non essentials. I’m sure it’s a completely different situation for people who struggle just to make ends meet.
Tiffany needs to get a paternity test established from that bone head and go after child support once the baby is born. The guy is gonna try to avoid it. But, she needs money for that kid and to know that guys medical history, in case the kid has issues later that require a blood transfusion or some other medical issue. Its never easy to be a single parent even if the other parent helps out, but not having any info about the father is gonna hurt the kid in the long run. She absolutely needs to get an attorney to help her go after paternity testing and child support....or he signs away his rights in exchange for family medical history information.
The dude is a selfish coward telling her to get an abortion
He could have used a condom but her biological clock was ticking, I am betting she planned this
song plays You let him hit it raw (raw)
You didn’t have second thoughts (thoughts)
Now you a single mom (mom)
Now you a single mom (mom)
You said I'ma have this kid (kid)
Don’t care if he’s here or not (not)
But now you a single mom (mom)
I am a single adult, never even been married. I feel like this is geared toward couples/families.
I would tell her to save up to take the extra 4 weeks extra to care for her baby. 9 weeks is not enough adjustment time.
OMG thanks Dave for calling out the baby daddy for child support. Bravo to you both. Way too many dead beats out there.
That's so true. My first husband left me with a toddler and an infant
Never heard from him again
My girls are in their 40s now but I worked full time and l went to school full time for a career as an RN
I learned to make smart choices at the grocery store and never ate out my family helped me and I succeeded. Change your circumstances if you don't like them. Now we are on babystep #2 paying off our debt. My husband and I. Thanks Mr Ramseu
That AC bill in South Flo is now $600-$650
Scripture of the day!!! Love it ❤❤❤❤❤❤❤❤
Last call AJ Denver - coffee shop guy. You also need to consider other factors. A coffee shop will be most visited in evenings and weekends. Will your wife and family be happy with you gone most of that time - a totally different schedule than what they have been used to with you as an engineer? Will your wife deal well with fluctuating rather than a steady income? LOTS of things to consider - this would be a seismic change of lifestyle.
Still loving the music 🎶 going into scripture of the day/quote ❤ good vibes.
I have noticed a lot of people get solar panel on a loan and then regret it. Do they not think about the decision before they do it? Are the sales people really that good?
Dose ramsey provide FPU in spanish I been teaching my church I been translating it all myself but was wondering if there's a FPU in spanish to make it easier
25:16 My heart. I'm praying for you.
So true Dave:
"The negative comments are irrelevant"
Life advice, not just for annoying people hiding behind a keyboard!
lol at 39:14. We're selling our house that we bought in 2014 ..... our house has more than doubled in 10 years 😂
Absolutely! I live in Alabama in a small town. My house is worth exactly double what it was when I bought it in 2015. 🎉
I love how passionate Dave gets when people screw over people. He just gets so ramed up. I love it. 🙌
I have bpd. You help with your advice. Bpd causes money problems and it's tough. Can you address this problem?
How do you get a mortgage on 65k? If you qualify for special mortgage programs you won’t need a huge deposit.
Yes sir. I am 33 years old and ruined a 16 year friendship when we tried out a heat and air business.
For the woman that says she’ll be making an extra $27 k a year by taking a job out of town doesn’t take into consideration that she’ll be driving an extra 35,000 miles a year . She’ll be blowing through a lot of gas and will probably have to buy a new car every few years .
Solar panels with a reputable company is a good deal. Paid cash for net zero, and the electric company actually got 3 months from me this year because it was a mild winter. Payoff is expected at 8 years on 30 year panels.
The amount of ads is absolutely absurd! Can’t get through one call without and ad… ridiculous
As a man who raised his children until high school and then voluntarily (no court order) pays child support to mom because they now live with her full time, yet she still treats me with disrespect…this is a one sided story. There is little to no evidence that the dad did anything but be manipulated and or misunderstood. Definitely talk to him before y’all male bashers jump on the dirtbag wagon. No one can be considered innocent in a situation like this. Do your homework people 🤦🏼♂️.
Child support - should file with district Attorneys office immediately. They keep track, they collect it (a lot do not pay Even in court order to pay) thus, DA has ability to have it taken out of their check before they get it. They also keep track of amount owed so if they quit or ditch, the amount accrues and is debt they can take when monies come up again.
Funny Jade. Montel Williams!
This is amazing information. I’ve just been introduced to this speaker. Yay my new you tube channel to listen to. Thank you very much.
we just paid off our 23k car but wondering if i should sell it cause we only make 60 k or less a year we paid it off in 7 months now we are looking for a house
Imo, no! Keep it well maintained and drive it until the wheels fall off, it's paid for!
Turn that payment toward something else, down payment account, etc
Who looks after the baby whe she returns to work? In the uk maternity is a lot longer and paid longer but then when a parent returns to work childcare is very very expensive
I remember Robert Wagner endorsing one of those scam reverse mortgages. Like Dave said, old time actors still trying to collect on their name🤔
For the solar panels, has he been registered for SREC? This account has to be set up so you sell your excess energy. This starts to cut down your monthly bill. Also, talk to cos about the tax credit
What a great show
What about going after baby daddy for child support... Duh 🙄
It was somewhat addressed, but I would like to see that at the forefront
@@georgeslupski5987 I would like women NOT to "find themselves pregnant" in this day and time when there are so many methods of birth control that are both available and cheap. (And I'm a woman who raised two daughters who did NOT "find themselves pregnant" before they were married and decided to have children.)
They said exactly that
@Trustbutverify2651 How dare you try to hold women accountable in this society. That will fall on deaf ears, but you're absolutely correct
@@Trustbutverify2651my friend just found out she was pregnant and her tubes are tied. PLEASE stop with your self righteous judgemental bull💩
What's the name of this saxophone music on the stream intro? I can't remember!! Thanks!
"Baker Street" by Gerry Rafferty
@@StevePerow Thanks!
@@StevePerowi used to love that song now im sick of it thanks to Dave😭
I heard it while shopping once and i thought. How does dave know im shopping 😂
@@nathansyoutubechannel4921 he knows bc he's waiting for you in the rice and beans aisle
In Texas they can’t garnish you but they can highjack your bank account. Imagine your mortgage is due which is set up on auto draft and you wake up and account has a zero balance. What are doing now?
The young man rock climber is a dreamer. A dangerous dreamer
CA made it mandatory to have solar panels on all new homes constructed after 2020, and any older homes that have additions added to the home. For the new homes, they make you buy or lease them on top of the home price, and you cant even choose them yourself! So irritating!
That's crazy I started my second job on the day this dropped
I wonder if the movie Dave complained about was Life of Brian? 😂
I would love some ideas on how to make it uncomfortable to make it better.
For UA-cam, the algorithm just started recommending you.
Does the pre-tax 401k include from the 15% investment?
In my mind I thought the 15%investment is from the net income pay.
The 15% is supposed to be from your gross pay