@@tinanjohnson101 yes, depending on the damage though. Usually you can get your tire patched for free or at most $20. They probably told you the tread was way too low and if you replace one you should replace them all. If your tread is very low it can cause issues, but they kinda tell people that every time. I only go to Walmart for my tires because they don’t have a sales agenda.
@@DudeMuscle They said the nail was too close to the sidewall. They want to replace 2 tires on the all wheel drive. I appreciate your information!! @DudeMuscle. ☺️
I go somewhere for my tire work where they recommend 'all the things,' but I push back and ask lots of questions. Perhaps they might sometimes find me annoying, but it helps me sort out whether I *actually* need what they said. Or whether they're just supposed to tell me that, officially, because the alignment is only 99% perfect already. :) So for instance, I ask "what if" questions. "I know you can't guarantee what will happen here, but what would you expect to have happen if I...." Fortunately, for actual mechanic work, I have a straight-shooter shop who will only recommend what I actually need. And often won't charge me to look over a problem.
The med school husband needs to tell his wife that in 10 years when she's a debt free M.D. they can pay cash to travel anywhere in the world while those "friends" that are living it up now are drowning in debt. The long game, baby.
Seriously. Like what a dumb girl lol how are you going to medical school and worried about others out partying? Does she even really want to be a doctor? Most medical professionals I know went into the schooling because they loved it and found it interesting so nothing else mattered to them getting through it
Having gone to nursing school burn out is real. It doesn’t have to cost a lot but make sure your wife gets a relaxing vacation on all breaks from school. It won’t matter if you get out of med school debt free if she quits.
I went to the University of Ms Med School, dropped out and ended up joining the Army to pay back $30K in loans. Retired military now, nurse with 3 incomes. Got my $200K plus a year without med school.
Nursing should be considered before med school. I tried nursing, switched at the very end of 4 years to finish in molecular biology plant genetics. Best choice I ever made.
Geena! Talk to your coworkers too! Have them check their own paychecks to see if they are also getting underpaid- the more people involved the more the company has to look into it. Also, yes I agree - call the labor board, and FL probably has a free law services company available so I would reach out to them as well. Have a job lined up or be prepared to find something fast though, the more noise you make, the more likely they are to let you go - best of luck!
Unless you work for Ramsey where talking to your coworkers, except your supervisor, about pay & benefits or other workplace issues is grounds for immediate termination.
Geena, Get an attorney to write a letter - that does not require him to open a case with a retainer of $6,000. If you do not know an attorney, go to the volunteer legal aid services in your area and they help with people on limited budgets. I have posted this before and swore I was done posting, but apparently the RS "personalities" do not pay attention to the comments from people who know what really works in these kinds of cases. Forget about groups like the BBB and other similar institutions that people think will help. What will always bring the quickest action is to write the state business licensing board - attach a copy of your contract and a copy of your paystub (with important info like SSN removed) and state your case. That almost always bring action in these kinds of cases because the state licensing board investigates every complaint. While you are waiting for them to investigate this case, good luck finding a better job!
“Prices” are not going down. If the rate of increase is going down that is the definition of inflation going down. “Prices” going down is called “deflation”. That’s something completely different from inflation going down. Inflation has assuredly come down significantly the last year.
53:38 we like Jade’s face ❤ Guy from Montana- I’m 100% certain that what you suggested Jade is correct. Sounds like he’s not recognizing that after years of angry confrontation, his wife is checking out and not telling him stuff. Neither of these behaviors is good in a marriage. They both need to get uncomfortable with one another - they could benefit from counseling.
She's not getting one because she is the show. She's getting groomed to take over from Dave. You may have noticed, of all the personalities, her answers are the closest to what Dave will say.
After medical school, the residency pays the training physician. The PGY1 (first year) at the university of Mississippi pays about 55k/year for an 80-88 work week.
There comment on electric cars near the end is so true.....just went shopping for a car for my mom. We had to look in a major city...no interest in them but the number of Chevy Volts and Nissan Leafs that were 2 years old and were less than $7,000 was crazy.
Man, The first caller sounds like me in every way except the heloc and age. Im 37, with a 800k home, 125k income, and about 400k in retirement, $3400 mortgage payment. It caught me that we are similar, except one thing….he will be done with his mortgage in 3years. I freakin cant wait till i can say that on this show.
@@aprilporter770you must be a new listener/viewer. Ramsey Solutions doesn't give financial advice for unmarried couples. To them, unless you're married, it's an individual journey with uncombined money.
The teacher is underpaid for a teacher unless he is part time. Teachers where I live in rural Colorado average double that and average 7 students or less per grade level. In Chicago he should be making a lot more than here not half.
I’m sorry but this idea of your mortgage or rent being no more than 25% of your take home is just not realistic in today’s times. My wife and I are out of debt and rent a 2 bedroom apartment for $1,700 a month. Everything else is $2500-3,000+ so we’re very lucky it’s only $1,700 and to be honest it’s not a great area so that’s why it’s cheap. I’m a firefighter paramedic and after taxes with no OT I take home $5,800 a month. 25% of $5,800 is $1,450. I’m already violating the rule. Fortunately I work a lot of OT but a OT shift for me is 24 hours so anytime I get any OT that’s another 24 hours I don’t get to see my wife , my 4 year old daughter or my 2 year old son. So it’s not without a cost. However we did save up quite a bit of money and we are in escrow for a house. I live in SoCal and the housing market is crazy expensive. But we have to move my kids can’t thrive here the 4 of us in a 2 bedroom and the area is increasingly more unsafe. So we gotta go. Bought a home that suits our needs perfectly in a rural safe area and put 52% down. No debt, Emergency Fund in place and can work 2 shifts extra per month to continue to save and put more margin into emergency funds, retirement and vacation. Wife is a nurse and works per diem but we homeschool so her place is at home with our children . But I’m fortunate that a 24 hour OT shift is 24 hours of OT pay but not everyone can do that and rent in the poorest most unsafe areas is 30-40% of a lot of people take home. It’s ridiculous. This system needs a massive crash and correction.
Ramsey disagrees… it’s all about supply and demand. So while housing inventory of all kinds is low, locking in a mortgage vs ever rising rents will still be a smart move- property tax increases affect homeowners directly but landlords pass this cost onto the tenants anyway. You’re doing great! Hope you can back off the OT to have more family time soon. You AND your wife are going to burn out soon at this pace.
@ “Ramsey disagrees” I don’t care if he disagrees. Everything I laid out is mathematical facts. Ramsey also disagrees with buying Gold but encourages investing in the stock casinos I mean stock market
I love watching this show and there is great advise, but man are there inconsistencies.. the core message is don't be stupid with money, but here with your own advertising saying things like: spend 600 dollar on a deposit and save up for the rest? So then you should take trips you can't afford?🤣😅
Ummmm I think it’s reasonable when a trip is like 9 months away to continue to save for said trip… he said only people who are out of debt and on baby step 4.
That's the whole idea of the funds the Dave recommends: Save up for something that is a larger expense. I'm doing that very thing for church convention in 2025. I can't afford it out of my pocket, but I'm saving up and will have more than enough to afford it next year.
The trip is 9 months in the future. Plenty of time to budget and cash flow. They are limiting the trip to debt free individuals. It’s not that hard to save when you don’t have many bills.
I can hear Dave in the background screaming you cannot buy a house you are broke, you can't even pay 10,000 go to work no reason for you to stay home you have no kids
Does anyone else find it hypocritical that for the Dave Ramsey cruise they are encouraging people to put the deposit down and then pay it off. Sounds very similar to how debt works but for some reason when it’s a Dave Ramsey product, it’s ok.
A deposit is more like you’re having partial payment put down to ensure that you’re going plus they probably need the deposits to let the cruise line know how many people are actually coming. If they were to just have no deposit, there’s a higher probability of people not actually going so then it will give an inaccurate number of attendees. It’s like securing your spot and then you pay the rest, but I would not say that it is a debt thing.
@@TheDevilYouDont I remember a dad calling in and telling Dave he was planning to pay monthly for his child's orthodontics. Dave said that was not the right way to go about it since it was not an emergency; the dad should save up first and pay it all up front. That one stumped me because paying monthly as the work is ongoing is a similar process to paying monthly utilities. Dave is fine with monthly utility bills.
That guy paying his wife's med school and she is sad she can't have fun...calling her leaving him for a surgeon because her "needs" aren't being met, and he was "financially controlling"
I have to laugh every time Jade talks about pausing retirement investing for a “short time”. Her Ramsey origin story is that she took 7 YEARS to pay off her debt!
I don’t understand your point. Are you saying it should have taken them LESS than 7 YEARS to pay off nearly a half million in student and consumer debt?
Pausing retirement contributions while paying off debt isn't just Jade's advice--it's part of the Baby Steps--every personality on the show gives the same advice. Why single out Jade?
I love George n Jade hosting together.
My favorite pairing also
Blind guy here Thabks to Michael in Chicago for his service to kids in the blind community
Jade is killin’ it!! She’s my new fav. (Don’t tell Dave 😂)
👏🏼👏🏼👏🏼👏🏼
Jade & George are my favorite co hosts!! 🫶🏽✨🫶🏽✨
Y’all are right about that emergency fund. I got a nail in my tire and needed $300 to fix it. The money came from my EF
$300 to fix a tire? You got swindled
@@DudeMuscle Really? I have to get a new tire. Well two…
@@tinanjohnson101 yes, depending on the damage though. Usually you can get your tire patched for free or at most $20. They probably told you the tread was way too low and if you replace one you should replace them all. If your tread is very low it can cause issues, but they kinda tell people that every time. I only go to Walmart for my tires because they don’t have a sales agenda.
@@DudeMuscle They said the nail was too close to the sidewall. They want to replace 2 tires on the all wheel drive. I appreciate your information!! @DudeMuscle. ☺️
I go somewhere for my tire work where they recommend 'all the things,' but I push back and ask lots of questions. Perhaps they might sometimes find me annoying, but it helps me sort out whether I *actually* need what they said. Or whether they're just supposed to tell me that, officially, because the alignment is only 99% perfect already. :) So for instance, I ask "what if" questions. "I know you can't guarantee what will happen here, but what would you expect to have happen if I...."
Fortunately, for actual mechanic work, I have a straight-shooter shop who will only recommend what I actually need. And often won't charge me to look over a problem.
The med school husband needs to tell his wife that in 10 years when she's a debt free M.D. they can pay cash to travel anywhere in the world while those "friends" that are living it up now are drowning in debt. The long game, baby.
Seriously. Like what a dumb girl lol how are you going to medical school and worried about others out partying? Does she even really want to be a doctor? Most medical professionals I know went into the schooling because they loved it and found it interesting so nothing else mattered to them getting through it
@@daveobrien2365 what a dumb -girl- woman
Pretty sure she is over the age of 18 by many years
Having gone to nursing school burn out is real. It doesn’t have to cost a lot but make sure your wife gets a relaxing vacation on all breaks from school. It won’t matter if you get out of med school debt free if she quits.
I went to the University of Ms Med School, dropped out and ended up joining the Army to pay back $30K in loans. Retired military now, nurse with 3 incomes. Got my $200K plus a year without med school.
Nice I make 130k as an RN myself . Crazy how fast time flies been 10 years now 😊😅
Thanks for your service!
@@brianasche6406 what type of nursing do you do? I’m a stay at home mom thinking about going back to work.
@@lauralobo3647 work in infectious disease and primary care
Nursing should be considered before med school. I tried nursing, switched at the very end of 4 years to finish in molecular biology plant genetics. Best choice I ever made.
Geena! Talk to your coworkers too! Have them check their own paychecks to see if they are also getting underpaid- the more people involved the more the company has to look into it. Also, yes I agree - call the labor board, and FL probably has a free law services company available so I would reach out to them as well. Have a job lined up or be prepared to find something fast though, the more noise you make, the more likely they are to let you go - best of luck!
Unless you work for Ramsey where talking to your coworkers, except your supervisor, about pay & benefits or other workplace issues is grounds for immediate termination.
Geena, Get an attorney to write a letter - that does not require him to open a case with a retainer of $6,000. If you do not know an attorney, go to the volunteer legal aid services in your area and they help with people on limited budgets. I have posted this before and swore I was done posting, but apparently the RS "personalities" do not pay attention to the comments from people who know what really works in these kinds of cases. Forget about groups like the BBB and other similar institutions that people think will help. What will always bring the quickest action is to write the state business licensing board - attach a copy of your contract and a copy of your paystub (with important info like SSN removed) and state your case. That almost always bring action in these kinds of cases because the state licensing board investigates every complaint. While you are waiting for them to investigate this case, good luck finding a better job!
Inflation is NOT going down. It is only rising at a slower rate.
“Prices” are not going down. If the rate of increase is going down that is the definition of inflation going down. “Prices” going down is called “deflation”. That’s something completely different from inflation going down. Inflation has assuredly come down significantly the last year.
53:38 we like Jade’s face ❤
Guy from Montana- I’m 100% certain that what you suggested Jade is correct. Sounds like he’s not recognizing that after years of angry confrontation, his wife is checking out and not telling him stuff. Neither of these behaviors is good in a marriage. They both need to get uncomfortable with one another - they could benefit from counseling.
The example George gave around the 26min mark was encouraging!
The lady with the company underpaying her needs to contact the department of labor
Thank you for being nicer George!!!
Geena needs to contact the labor board.
When does Jade get her own channel! 😊
She's not getting one because she is the show. She's getting groomed to take over from Dave. You may have noticed, of all the personalities, her answers are the closest to what Dave will say.
@@danieltikshe also paid of more debt than most people so she's actually a real one
@@danieltikooooh! Interesting take!!! You’re right! Does she have a book out/working on one?
@@MollyMA13 She wrote money is not a math problem
I value her opinion next to Dave's because she cleared so much debt doing normal jobs. She understands the struggle more than the others.
After medical school, the residency pays the training physician. The PGY1 (first year) at the university of Mississippi pays about 55k/year for an 80-88 work week.
There comment on electric cars near the end is so true.....just went shopping for a car for my mom. We had to look in a major city...no interest in them but the number of Chevy Volts and Nissan Leafs that were 2 years old and were less than $7,000 was crazy.
George - good catch❗️ is the Wagoneer insured only for company employees?
Can we all just say the company Geena is talking about? Cough Disney, cough cough.
Man,
The first caller sounds like me in every way except the heloc and age. Im 37, with a 800k home, 125k income, and about 400k in retirement, $3400 mortgage payment. It caught me that we are similar, except one thing….he will be done with his mortgage in 3years. I freakin cant wait till i can say that on this show.
We can’t wait to hear your debt free scream, either! Rooting for you! 🎉👍👍
@@BeeDee-qs9so Why have we not seen and heard as many debt-free screams?
i paused my retirement bc y'all told me to, to save for an emergency fund 😂
Legend has it Jake from Montgomery is still telling his life story. Yeeoh.
Geena should talk to the Union
I wouldn't go on that cruise if you paid me. There's to much to see here in the good ole USA👍
The union should defend her…the company is beholden to the union-she needs to consult the union labor lawyer who is supposed to defend her
$18 vs. $17 an hour for the last six months is approx. $1000 unpaid at this point. Maybe change employers then go to small claims court for it?
Jade is my favorite
Jade looking great😊
GEENA is going to get her back pay then Geena is gonna get fired.
ok what did Jade do before ramsey? cruise ships?
Yes. Music entertainment on cruise lines
12:17 Jades love boat
Why y’all picking on Barb?
10:27 GK JW sound off
You guys were giving Kacey advice on paying debt down together with her “partner” and saving up to buy a house etc and THEY ARENT EVEN MARRIED
Yeah, they usually catch that quickly.
She called for financial advise not relationship advise.
@@aprilporter770 Ramsey financial advice is NEVER combine finances unless married. Its legal protection.
@@aprilporter770you must be a new listener/viewer. Ramsey Solutions doesn't give financial advice for unmarried couples. To them, unless you're married, it's an individual journey with uncombined money.
In debt go. On a cruise
Unless you on step 4 or above. I can't ho cos I'm on baby step 2 however I'll be ready for the next one
The teacher is underpaid for a teacher unless he is part time. Teachers where I live in rural Colorado average double that and average 7 students or less per grade level. In Chicago he should be making a lot more than here not half.
I’m sorry but this idea of your mortgage or rent being no more than 25% of your take home is just not realistic in today’s times. My wife and I are out of debt and rent a 2 bedroom apartment for $1,700 a month. Everything else is $2500-3,000+ so we’re very lucky it’s only $1,700 and to be honest it’s not a great area so that’s why it’s cheap. I’m a firefighter paramedic and after taxes with no OT I take home $5,800 a month. 25% of $5,800 is $1,450. I’m already violating the rule. Fortunately I work a lot of OT but a OT shift for me is 24 hours so anytime I get any OT that’s another 24 hours I don’t get to see my wife , my 4 year old daughter or my 2 year old son. So it’s not without a cost. However we did save up quite a bit of money and we are in escrow for a house. I live in SoCal and the housing market is crazy expensive. But we have to move my kids can’t thrive here the 4 of us in a 2 bedroom and the area is increasingly more unsafe. So we gotta go. Bought a home that suits our needs perfectly in a rural safe area and put 52% down. No debt, Emergency Fund in place and can work 2 shifts extra per month to continue to save and put more margin into emergency funds, retirement and vacation. Wife is a nurse and works per diem but we homeschool so her place is at home with our children . But I’m fortunate that a 24 hour OT shift is 24 hours of OT pay but not everyone can do that and rent in the poorest most unsafe areas is 30-40% of a lot of people take home. It’s ridiculous. This system needs a massive crash and correction.
Ramsey disagrees… it’s all about supply and demand. So while housing inventory of all kinds is low, locking in a mortgage vs ever rising rents will still be a smart move- property tax increases affect homeowners directly but landlords pass this cost onto the tenants anyway.
You’re doing great!
Hope you can back off the OT to have more family time soon. You AND your wife are going to burn out soon at this pace.
@ “Ramsey disagrees”
I don’t care if he disagrees. Everything I laid out is mathematical facts. Ramsey also disagrees with buying Gold but encourages investing in the stock casinos I mean stock market
I love watching this show and there is great advise, but man are there inconsistencies.. the core message is don't be stupid with money, but here with your own advertising saying things like: spend 600 dollar on a deposit and save up for the rest? So then you should take trips you can't afford?🤣😅
Ummmm I think it’s reasonable when a trip is like 9 months away to continue to save for said trip… he said only people who are out of debt and on baby step 4.
That's the whole idea of the funds the Dave recommends: Save up for something that is a larger expense. I'm doing that very thing for church convention in 2025. I can't afford it out of my pocket, but I'm saving up and will have more than enough to afford it next year.
The trip is 9 months in the future. Plenty of time to budget and cash flow. They are limiting the trip to debt free individuals. It’s not that hard to save when you don’t have many bills.
It’s criminal. 100%. Nobody legit pays interest weekly.
Unions are the worst. 1:10:34
"You can hold up the oxygen, but they don't have to inhale..." Nice alternate way to put "you can lead a horse to water, yada yada yada..."
Political adds either party annoying😢
Wagoneer lady’s story was absurd.
I can hear Dave in the background screaming you cannot buy a house you are broke, you can't even pay 10,000 go to work no reason for you to stay home you have no kids
This kady’s enployer lies to her
HELOC to invest $150k into an online investment club? There are levels to this and this man is on a level.
Sell your car and get a 96’ Honda Accord, because Jesus said they were all in one Accord
That’s an 81 Honda “How Dare You”
Does anyone else find it hypocritical that for the Dave Ramsey cruise they are encouraging people to put the deposit down and then pay it off. Sounds very similar to how debt works but for some reason when it’s a Dave Ramsey product, it’s ok.
A deposit is more like you’re having partial payment put down to ensure that you’re going plus they probably need the deposits to let the cruise line know how many people are actually coming. If they were to just have no deposit, there’s a higher probability of people not actually going so then it will give an inaccurate number of attendees. It’s like securing your spot and then you pay the rest, but I would not say that it is a debt thing.
If it's your own money it's not debt
A deposit/paying in installments is not like credit/debt. Lol.
Due to the fickleness of human nature, it would be kinda stupid for them not to
@@TheDevilYouDont I remember a dad calling in and telling Dave he was planning to pay monthly for his child's orthodontics. Dave said that was not the right way to go about it since it was not an emergency; the dad should save up first and pay it all up front. That one stumped me because paying monthly as the work is ongoing is a similar process to paying monthly utilities. Dave is fine with monthly utility bills.
@Dave Ramsey, why are you showing Biden ads on your show?! You don't need money that bad, surely! 🤦♀️🤷♀️
The ads are from UA-cam, not dave ,
Something tells me that is not his choice 😂
Jade looks delicious
That guy paying his wife's med school and she is sad she can't have fun...calling her leaving him for a surgeon because her "needs" aren't being met, and he was "financially controlling"
I have to laugh every time Jade talks about pausing retirement investing for a “short time”. Her Ramsey origin story is that she took 7 YEARS to pay off her debt!
I don’t understand your point. Are you saying it should have taken them LESS than 7 YEARS to pay off nearly a half million in student and consumer debt?
@@BeeDee-qs9so My point is that 7 years is NOT a short time.
@@rachelharrison7961Totally. Such an amazing achievement.
Pausing retirement contributions while paying off debt isn't just Jade's advice--it's part of the Baby Steps--every personality on the show gives the same advice. Why single out Jade?
Seven years is a short time relative to one’s life.