Your Money Habits Won't Change Unless YOU Change
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- Опубликовано: 4 окт 2024
- The Dave Ramsey Show - January 27, 2021
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Young ladies need to know their worth. All women need to know their worth. I finally realized mine when I was about 35 when it came to relationships. Single mom of one financially stable completed baby steps 1-4.
Married at 38 now we are in steps 5 6 & 7. Be strong be courageous ladies. God had a plan for all of us.
I love love love this episode! It is sad that we have to sugar coat reality because people get so offended. I need more scenarios like these, Dave and Christie were so graceful in handling the pregnant girl.
I asked my husband to marry me..I figured as an independent woman if I want it I might as well go after it so I did. That was over 20 years ago and we are still going strong!
OMG!!! This single mama nurse you betta go girl!!!! I was a travel nurse in Cali and I would have totally stayed in your rental. Great idea, those nurses will not even be home much at all and when they are they will be sleeping. So if you offer a quiet and clean spot that’s a win!!! ☺️
I love Mr. Ramsey!! Yes, someone who isn’t afraid to put family first and tell the man to MAN up!
The pregnant 21 year old...I feel her desperation and pain. I am getting emotional 😭 Not having enough money and the having a baby on the way can be stressful and and on top of that making a minimum wage.
Highly irresponsible to advise the first caller to have the boyfriend quit EMT school when he's almost finished and about to have a pretty good and steady income. Also irresponsible to recommend she get a "hoopty ride" when it comes to the safety of a baby. She needs a reliable car that won't fall apart every 6 months. And finally, irresponsible to recommend marriage not knowing what their relationship is like. A baby and a marriage certificate does not necessarily mean a healthy relationship/family. Not to mention, they're already financially strapped, how do you expect them to pay for a wedding on top everything they're struggling with?
**Assuming they are in a healthy relationship and mentally and emotionally committed to each other, they should focus on finishing EMT school and getting stable income. Sell the car and go for a safe and reliable used car. Pay it off ASAP while also setting aside as much as they can for savings. When they have enough saved for their wedding, they should get married if they want. Not everyone needs marriage to be committed to each other.
@J D My older son and his fiancee went to the courthouse got the paperwork and then said their vows in the mountains. All it cost was the price of the paperwork. My younger son and his fiancee got their paperwork, hired a clergy and got married in a beautiful local park. Their's cost a little more as they went out with family to eat afterward. So getting married doesn't have to cost a lot.
I completely agree. He asked no questions at all regarding the state of their relationship and I found it really irresponsible to push for marriage considering we know nothing about how their relationship is.
I feel so sorry for her and I really hope she will be ok and that that baby will have a good start in life.
EMT’s don’t make anything...that’s good advice. Get the qualifications & find something else
I love Christie Wright! Poised, beautiful and saved. What admirable qualities! God bless and keep her!
@Benjamin uncalled for. But if this is your cry for attention we will pray for you.
He needs to finish EMT school (while working part time) it’s usually a short process then likely guaranteed a full time well paying job with overtime.
If it doesn’t work out with your boyfriend then go to dental hygiene school and get help from family/ friends to watch ur baby. I’m a single mom on a nurses salary and much better off financially then I was married (because I follow Dave’s plan & budget). Good luck Christina 🤞
Im going to disagree with some of the advice the for the first caller. The boyfriend needs stay in EMT school, it's a 6 month course, he's probably almost through it or will be done by the time the baby is born. He will work 12 hour shifts and be off to take care of the baby or be able to work overtime. It's not the greatest path to take but it's reasonable since they are so young and if he gets on with a county it will be good health insurance. They will be able to come up with the 4000 soon after he gets a job. I'm sorry you are in this car situation but the sacrifice you are making to get that course will allow him to make a decent income for the 3 of you.
I just gotta say this episode started off FIRE! Wonderful advice!
Re: dave's advice to Christina, i see where Dave is coming from , but 31 year old christina will probably not be w/ baby daddy. She'll probably be a single mom or onto the next guy. Most of these young, knock up situations don't end well at all and getting married doesn't change the underlying issues... namely, they probably wouldn't even be together if it weren't for baby and a marriage can't survive 30 years in 2020 when it's not a good match to begin with. The benefits of marriage will be far less when you marry the wrong guy that knocked you up. either way, these two made a horrible decision that will impact them for the next 25 years
Otherwise, a marriage is the most stable and best thing you can do for your children. the traditional way is the best way when it comes to reproduction
Yes, but I think the Dave's point is that she's better off to find out whether he's going to stand up and take responsibility now rather than to play house for years and be stuck going nowhere until he figures it out.
I think he should stand up and take accountability it’s to bad we didn’t get to hear what he had to say? Either way I think Whitney and Richard almost nailed it!
@@RichardCaldwell I definitely agree with the commitment aspect of living together unmarried, but don't recommend marriage unless both she and he are confident that they would marry regardless of her being pregnant and that they're a good match. It's significantly harder to determine compatibility though when you do things out of order. Great points though Richard :)
Part of me thinks that dave recommended marriage to ensure that Christina got the guy's wallet more than anything
@@micheal1700 He shoudl take accountability. Just not sure if marrying someone you don't want to marry in the 21st century is a viable solution. You can only pretend for so long in our hedonistic society. Being married to the wrong person could feel like a prison sentence i'd imagine
@@whitneyw.7919 spiritually they are tied together(they are about to have a baby)...I think Dave is looking out for the 21 year old mom( no judgement ! every person has a right to live life they see fit) but I struggle with the idea of people living together and having kids and say they don’t want to marry a wrong person (some live together for 20 years ) . If you don’t want to get married that it is fine but living with someone for 10 years plus and saying you don’t want to marry a wrong person is disrespectful to the person you are living with and there is something wrong w/that statement on many levels.
I love Papa Dave!
Dave ramsey isn't just financial advice, it is a superior cultural teaching. Superior because its inspired by the Biblical teachings
“$10k will change your whole life outlook.” - Dave Ramsey
I feel it fits here. Hang in there.
This definitely was a fantastic episode. Touching on so many bases
5:18
Dave: Christy.... *Please jump in for a sec I need to breath*
6:11
Dave:.. *I'm gonna tell you what I'm really thinking! Are you okay with that?*
Haha I love you guys great show again God bless you and the callers
Dave is pretty good at diagnosing your financial state, like doctor diagnosing medical issue. Just a few question and he knows where the problem is.
Best episode ever!
Regarding the lady who was married for 50+ years we have to remember that women weren’t allowed to own their own property (belonged to their husbands) until the earlY 70’s or late 60’d. It was not legal. She comes from that time because she said she was over 70
Julianne, look around for prominent reviewers and review sites. Offer them free (advanced) reading copies of your book in exchange for a review. Ask to do a guest post/interview on their sites. Things like this are called “blog tours,” and they’re basically like book tours but through prominent book review sites. Also, look to make a presence on Goodreads. Review sites and places like Goodreads are where readers hang out online.
The unfortunate situation about Christina’s situation is that they most likely was not anticipating a child and are now back into a corner.
I agree with Dave and co-host. playing house is not a good idea.I went the boring route. girlfriends only - no kids, about to graduate from my masters program (DEBT FREE - BA and MA) and well 30s are knocking at my door but no kids nor family.
FACT! If he shares your sleeping space, he shares your debt! Be mad if you want but it’s true.
If you are not married and his signature is not actually on the debt, he in FACT does not share your debt !
Be mad if you want but it’s true.
I think this is the one time to say let it get repo’d. The boyfriend has no debt but I would bet a couple of bucks and he has student loans
Excellent advice as usual.
I think Shapiro cited the bureau of labor statistics (but it could be a different source) but the statistics showed the opposite, that never-married women far out earned married women because the married women generally took years off as a stay-at-home mom, not working. This was investigating the misrepresented wage gap and showing on average, someone who works 20 hours per week makes less than someone who works 40 hours, and someone who works from graduating college onward makes more and has higher paying jobs than someone who worked 2 years then stayed at home for 10 years.
Ones comparing household net worth, the other individual earnings.
Agreed with the statistics and the findings financially. With all due respects, we must not forget, some men cannot man up and takes control to take care of his family.
🙏🙏🙏
This video has helped me a lot
While I normally appreciate the Ramsey advise, I do have an issue with him misrepresenting statistics in this way. It’s made out that the factor given (such as marriage) is the cause of the economic impact, rather than being an indicator or a specific lifestyle type and upbringing. It’s much more likely that the type of people who are educated about money and working good jobs are also more likely to have a more stable upbringing and more affluent parents, which then also makes them more likely to marry etc
Realistically the pension is probably underfunded so, expect the entity to back pedal in the future. Take whatever they are saying they will give you and cut it in half.
CJ in Denver- dont get it repaired at a dealership
Why are they breaking his balls? He has a job and is in school that will help him earn more in a relatively short time.
Of course there's a lift. If you're married you have two incomes that become one.😂
Not always! If you have children, the cost of daycare is high.
@@BH-hm5ss two single people, who are each working, get married, at that moment two incomes become One, hence the lift.
To the author lady, approach Christian books stores and churches. Ask them if they will stock your title for free and if they sell they get a small profit.
It's against Amazon and Ebay's user policy's to drop ship
Half the stuff I buy on ebay ends up being drop shipped FROM AMAZON!
What does it take for an insurance agency to partner with you
1200 to 1600 for 500 square foot living is a joke; even in LA.
A joke but there a market sadly
Not a joke at all. 4yrs ago we lived in a 500sqft apartment in Socal for $1750/mo. It was killing us and moved to an actual tiny house/guest house for $1200/mo.
Going to school to become an EMT? Yikes, I just looked up the average income for an EMT and it's $28k (which comes out to $14 an hour working 40 hours a week). He'd make more working at Sonic, they make $15 an hour plus tips...
If you are in a one income married family you are still better off than living together where both of u are working
Not true in all cases necessarily. My husband and I had 2 young kids together before we got married. Our health insurance expenses tripled because we suddenly made too much money to qualify for our individual policies and for our kids policy. We paid much less before because we only had to count our individual incomes on the application. I also lost my financial aid and had to stop going to school because my income was suddenly too high. We were much better off financially prior to being legally married. I agree marriage is important in terms of the spiritual/Christian standpoint, but it does not benefit people in all cases financially.
Is there a way to get a copy of the study Dave is quoting?
How the heck is there nothing about what’s going on with the stock market right now?!
Exactly what I came looking for
Your money habits won't change without the income to change them.
huh?
40-50 years ago, if Christina were part of the extended family I grew up with (granted I'm 35 but there are stories), there likely would have been a shotgun wedding. Silly and funny, but true.
Never have a kid at 21 when your working minimum wage jobs
She can keep the car. Ad soon as that baby comes out, she'll be getting about 6,000 dollars a year in taxes from hard working people's taxes like myself.
Pregnant onlyfans... you will have a lambo in no time
Bottom-line - GIVE it to Dave Ramsey (another Bernie Madoff) - His Ponzi-Scam will Help you "Get Rich"😂😂
@@marianao4275 ~ Why do I need to be "new" on this site?
The Entire World knows that Madoff admitted to operating the largest private Ponzi scheme in history - he used a so-called Ponzi scheme, which lures investors, with a guarantee of high returns
Madoff was a well-versed and active member of the financial industry.
It was easy to believe this 70-year-old industry veteran knew exactly what he was doing.
FACTS;- America is well known for being Centre-Stage for fraud, money laundering, perjury, and theft - your Own (EX-Con) president has shown EXAMPLES of How to do this!!
I don’t like that they just assume Jeans husband is a bad guy. Jean seems like an unpleasant woman as well. Who knows the story but ragging on the spouse that isn’t there after hearing one side of the story is weak. Perhaps she has money problems which is why he won’t let her handle it. Trash take
@Lebron Burner Account I didn't see that she was unpleasant, what I saw was a very worried woman. She's been married to this man for 50 years who has at the very least emotional control over her. I've know several women who have been in this same place. Culture has changed a lot since what was expected of a married woman from 50 years ago. AND he didn't call, she did.
Lol yet I am debt free have four kids have a great job I am going to school and have a years worth emergency fund plus some
I am 27 doubt I will get married ever
It's not all doom and gloom as a single mom it's called making smart decisions you don't need a male tagged on for that