1st caller - spend some of your saved money on drivers education while living at home. Get your license. Do it quickly and remove your parents from that process. Do it yourself. While this is happening, be preparing yourself (mentally, emotionally, and financially) to move out. Stay long enough to save for a reliable but older car, save for 1st month’s rent and security deposit, and then buy a car and move out.
Yeah I think he said that he was buying the car from his parents with "no interest", which would mean he's making payments to them. I think that's what is making him so nervous. Maybe not a good situation.
Stay at home, continue to save, finish school, get your career at least started and use you savings to help you get a head start with your adult life without going high hock in debt.
What a cookie cutter response. Not everyone has the option to stay at home and live off mommy and daddy for years to get their life off to a head start
I dislike my job and my current life circumstances, that's what is holding me back. In my current season of life there's nothing I can do to better my life. I stuck in a shame spiral and wish that there was a one time only redo button for life.
Every day is a redo….you can do it. You just have to choose too. I was at my job for 20 years and capped at $21. Then I said I have to make more money, I applied at other jobs. It wasn’t easy but doable and I got hired now making $30
I know that Ken means well, but sometimes the guest responds in the affirmative because of the phrasing of the question. Making them more open-ended would be best, allowing Ken and others to provide the best advice. “I can tell you’re not like that”, but the person may very well be like ‘that’. That’s why the first caller’s issues couldn’t necessarily be unearthed.
Ken I’m with you 100%. Why would anyone want to physically work when you are RELAXING and having a drink? I wouldn’t! And Jade says it’s to metabolize your alcohol quicker. For what purpose? To drive home? To drink more and spend more money? It’s just a silly trend. Stay strong Ken! Maybe make some assumptions about Jade cause she’s clearly comfortable making them about you!
@@monicaambsHi! I have a question about how that works bc I know in England they get 1 year maternity too. Do they hire temporary workers to do your job while you are on maternity? I just wonder how businesses operate with having women in child-bearing years taking a year off then maybe coming back for a year or two and then taking another year off and then coming back for a year or too. And if multiple women in a department are in the same path as being in that season of having kids, I wonder how they manage that. In the US, when people are out for extended periods of time the work gets spread among those who are there and they are carry an extra load and get really crabby that they are pushed to the max. Have you been in that kind of situation where that has happened? I am honestly curious about what a 1-year maternity looks like on both ends (the lady taking the 1 year and then returning back to work and the people on the business end doing the job while she is out). Last question, is the workplace 50/50 men and women or it depends on the industry?
Edwin is being abused by his parents. It sounds like they are feeding him the "I'm going to make bad decisions and I'm going to screw uo my finances" line. They want him to stay forever and they're doing everything they can to cripple him. He needs to get out NOW.
I wouldn't be the productive contributing human I am today without the welfare my parents got as I was growing up!❤ if there was a way to put all my taxes to go to socialist programs over warfare, I'd go all in.
They were very compassionate toward her. I would have hunted down the stories re: the money scams, just so it never happens to her again. But they were kind and focused on her questions, as they should.
I disagree with is the question of the day. There are too many people who have been called “the exception” in successful careers. There would be no strive for improvement and efficiency and companies would monopolize over others if we didn’t take our opportunities to take more in a job. That’s how we become complacent and lose our sense of self worth
To add: if you feel held back by your company, you probably are able to do more than you’re showing. Continue to show. Give them every reason to consider you for the position.
I’m currently fresh out of college Mech Engineering. im doing 20 hours a week overtime. I am taking every opportunity to show my work that when in consideration for awards/ promotional opportunities I will be in the running. I plan to push for fair compensation for my efforts being put in as well when I’m up for my performance evaluation
Stay home with your parents, once you finished school and good career moved out your parents and invite them in your house 🏠. Welcome them for helping you all sacrifice in your life.
No credit score, making minimum wage out of high school is not going to well, teach our kids how to be responsible with credit, so later when they are financially able to pay with cash, then go 0 credit score
Ken's advocation for a flat tax makes no sense. A 10% tax on someone making 30k is a lot more in proportion to their income than someone making 30 million. It would hinder the poor and give a tax break to the rich. Progressive taxation is the best policy imo.
@@pamsmith1665 you are so blind. And victim blaming. It’s HIS responsibility too ya know! You allowing him to take no responsibility is very telling of the deep misogynistic root you have.
Almost all of the callers were in their 20s. I am older and cannot relate, therefore not helpful. Any chance the screeners can present callers of different ages and circumstances? Love the show, but would rather not spend my time fast forwarding through most of it.
Is this the first day on earth you’ve ever watched the Ramsey Show? It must be, because there’s a variety of callers and situations on a very regular basis, and even older folks can learn something new - at least, I enjoy this aspect of the show.
Our state mandates passing a course in personal finance and economics as a graduation requirement. I don't see that it changes behavior much. Students still want what they want when they want it and parents still love bragging rights for their kids (sports, expensive college, etc.) whether or not they can afford it. It's easy enough to say - everyone call and require that this course be added to the high school curriculum. Does it occur to you that means additional teachers, which means not only additional salaries, but also health and retirement benefits? (The salary of a teacher is actually only half of what it costs to hire one teacher.) So, are you willing to add that to education budgets when buildings are in disrepair and salaries of teachers already employed need to be raised in some states? The schools CANNOT continue to do everything that parents should be doing and then keep taxpayers on the hook for added costs! The Ramsey personalities sometimes are unaware of one of the first rules of economics - unintended consequences!
It is cheaper LONG-TERM FOR SOCIETY to have financially-literate citizens so even though it may require some upfront costs such as teacher salaries, it is an INVESTMENT INTO OUR FUTURE. Whether people do what they are taught is one thing, but not even knowing there is another way is another thing. Ignorance is dangerous. Look at our national debt. They are perfectly ok carrying trillions of dollars in debt bc it has been engrained in everyone’s mind is debt is NO BIG DEAL. And yet, if we had the up and coming generation of future politicians GRASP that debt is bad then maybe they would be more hesitant to spend money we don’t have and just raise taxes or print money bc they can’t figure out there isn’t an endless supply of money. It’s like being married to someone who just buys whatever they want and they tell you well, I need it so just go make more money. And if you don’t go make more money they just put it on a credit card until one day you are so far into debt you can’t get out of it without DRASTIC measures. Financial illiteracy has consequences.
@@alycat9186 As I stated, rarely does knowledge change behavior. It does not for students and parents who cannot be deterred from the college "dream schools" of their children. Knowledge does not change behavior for those who smoke, use drugs, are overweight, the list goes on.
Why is the ABA and Business Practices allowing criminals to use DIY legal documents to practice law without a license and not recommending Fiduciary Security z lawyer’s Permission Ledger forger proof crime interdiction administrations?
College kid: living free is fake. Pitch in. Repaint the kitchen if mom wants that. Replace your childhood bed with a nice new one the parents can offer to guests. Make a nice dinner for the family once a week. Shop, cook, clean up. Wash their cars inside/out. Stop acting like a hotel guest. It's time.
Probably because she is financially desperate, even before her current situation. Desperate people tend to fall for the too good to be ture easy way out scams.
I don’t think even Dave is rude. He just cares for people. Tough love. I’ve been listening to him for 30 years and I am debt free!!! So I would put up with whatever. You can learn from this guy. It works. Bless you and may you be free someday❤
@@phinxIX I didn't. It's a product Like a cheeseburger. You can like it or not. If the menu gets enough complaints from the customers, they will change it!
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I love Ken and Jade together they don’t put up with any non sense and they get to the point.
Brave young lady choosing to keep her baby. 🙏🏼 She's got this.
Braver not to have children when not marrird!
1st caller - spend some of your saved money on drivers education while living at home. Get your license. Do it quickly and remove your parents from that process. Do it yourself. While this is happening, be preparing yourself (mentally, emotionally, and financially) to move out. Stay long enough to save for a reliable but older car, save for 1st month’s rent and security deposit, and then buy a car and move out.
Yeah I think he said that he was buying the car from his parents with "no interest", which would mean he's making payments to them. I think that's what is making him so nervous. Maybe not a good situation.
Get your job first after finishing college before moving out
Your shows are really helping me - I just keep streaming and I’m starting to change my habits. Great advice. Keep it coming!!
Jade and Ken are one of my top duos!! Love you guys
Great tax advice Jade in the tax session. I am an Enrolled Agent with 20 years tax experience. You nailed it.
Stay at home, continue to save, finish school, get your career at least started and use you savings to help you get a head start with your adult life without going high hock in debt.
Normally yes. But if mommy is still driving you to your pediatrician at 23, moving out is better.
A 23 year old is an adult and wouldn't be a patient of a pediatrician @Nardaa-ox3be
What a cookie cutter response. Not everyone has the option to stay at home and live off mommy and daddy for years to get their life off to a head start
Bruh, he’s 23 and no license
Stay at home as long as you’re in school, working, paying one’s expenses, and packing cash away. Then move out.
Respect to the 16 yr old filmmaker 🎥
I dislike my job and my current life circumstances, that's what is holding me back. In my current season of life there's nothing I can do to better my life. I stuck in a shame spiral and wish that there was a one time only redo button for life.
Every day is a redo….you can do it. You just have to choose too. I was at my job for 20 years and capped at $21. Then I said I have to make more money, I applied at other jobs. It wasn’t easy but doable and I got hired now making $30
I LOVED this debt free story!! 👏🏼👏🏼👏🏼 They both had such great energy and she has such a big zest for life which is so INSPIRING!!!
I know that Ken means well, but sometimes the guest responds in the affirmative because of the phrasing of the question. Making them more open-ended would be best, allowing Ken and others to provide the best advice. “I can tell you’re not like that”, but the person may very well be like ‘that’. That’s why the first caller’s issues couldn’t necessarily be unearthed.
Ken I’m with you 100%. Why would anyone want to physically work when you are RELAXING and having a drink?
I wouldn’t!
And Jade says it’s to metabolize your alcohol quicker. For what purpose? To drive home? To drink more and spend more money?
It’s just a silly trend.
Stay strong Ken!
Maybe make some assumptions about Jade cause she’s clearly comfortable making them about you!
Love Jade & Ken🎉
Jada is so pretty! Smart as well!
Jade
You can tell when someone’s rocking it when they look drop dead gorgeous in a sweat shirt.
45 minute read? I’ll finish it in 3 weeks..
OMG only 8 weeks maternity care!!! I am staying in the UK.
We in Canada get one year maternity leave. And as a nurse we also get an additional 6 months at 75% of our income.
Is it paid maternity leave @@monicaambs
The UK and Canada are ruined, America is on the same path.
Unpaid too.
@@monicaambsHi! I have a question about how that works bc I know in England they get 1 year maternity too. Do they hire temporary workers to do your job while you are on maternity? I just wonder how businesses operate with having women in child-bearing years taking a year off then maybe coming back for a year or two and then taking another year off and then coming back for a year or too. And if multiple women in a department are in the same path as being in that season of having kids, I wonder how they manage that. In the US, when people are out for extended periods of time the work gets spread among those who are there and they are carry an extra load and get really crabby that they are pushed to the max. Have you been in that kind of situation where that has happened? I am honestly curious about what a 1-year maternity looks like on both ends (the lady taking the 1 year and then returning back to work and the people on the business end doing the job while she is out). Last question, is the workplace 50/50 men and women or it depends on the industry?
Bad advice RE paying off home loan vs commercial loan first. Commercial loan can be recalled. Much riskier debt.
John "I can't breathe" Delony using fear, guilt, and shame to sell life insurance 🤪
Got my fed down to $2 last year. It was mostly luck, but it was from estimated quarterly tax payments.
Wow what a GORGEOUS couple!!! Congratulations to them!!
14:00 to 14:55 I bet you this is the kind of Microsoft Windows user who is Click happy without thinking first or questioning anything
Ken Coleman looks like a monk in that brown hoodie. 😆
Edwin is being abused by his parents. It sounds like they are feeding him the "I'm going to make bad decisions and I'm going to screw uo my finances" line. They want him to stay forever and they're doing everything they can to cripple him. He needs to get out NOW.
The second caller is going on welfare. Barely 24 and she’s already fallen for 2 financials scams, plus someone knocked her up and ditched.
And not aware of using birth control
I wouldn't be the productive contributing human I am today without the welfare my parents got as I was growing up!❤ if there was a way to put all my taxes to go to socialist programs over warfare, I'd go all in.
They were very compassionate toward her. I would have hunted down the stories re: the money scams, just so it never happens to her again. But they were kind and focused on her questions, as they should.
I may be that they could tell she possibly has some type of disability.
@@sbb.8677It sounded like that to me as well.
Tax season 2024: Refund $233. Fees $225. I received $8 😊
I disagree with is the question of the day. There are too many people who have been called “the exception” in successful careers. There would be no strive for improvement and efficiency and companies would monopolize over others if we didn’t take our opportunities to take more in a job. That’s how we become complacent and lose our sense of self worth
To add: if you feel held back by your company, you probably are able to do more than you’re showing. Continue to show. Give them every reason to consider you for the position.
I’m currently fresh out of college Mech Engineering. im doing 20 hours a week overtime. I am taking every opportunity to show my work that when in consideration for awards/ promotional opportunities I will be in the running. I plan to push for fair compensation for my efforts being put in as well when I’m up for my performance evaluation
Unaware that hoodies existed until I met you 😂
I love it when Ken schools Jade. She needs taken down a notch!
@@pamsmith1665 it’s just fun banter
@@pamsmith1665 there is a lot of truth in humor
Omg where do you get 1bd with 600. In Hawaii a studio is running the 2K jesus
Having children, single mother, in debt... A series of poor decisions. At 24, time to grow up.
What happened to live and give bundle for debt free screams? Scaled back the gifts which is kind of a bummer.
Great video!
Zach's family ❤❤❤
This couple…. Delusion Central… Perfect for each other though 😂😂
That 23 year old man living with his parents needs a therapist.
First, he needs a driver's license, and a car so he can drive to therapy.
Ohhhhh I needed to hear all of this 🫶🏻
Stay home with your parents, once you finished school and good career moved out your parents and invite them in your house 🏠. Welcome them for helping you all sacrifice in your life.
No credit score, making minimum wage out of high school is not going to well, teach our kids how to be responsible with credit, so later when they are financially able to pay with cash, then go 0 credit score
Ken's advocation for a flat tax makes no sense. A 10% tax on someone making 30k is a lot more in proportion to their income than someone making 30 million. It would hinder the poor and give a tax break to the rich. Progressive taxation is the best policy imo.
For the second caller…where the hell is the piece of 🗑️ that put her in this situation and why isn’t he helping?? 😡
When she lay down she put herself in this situation
@@pamsmith1665 you are so blind. And victim blaming. It’s HIS responsibility too ya know! You allowing him to take no responsibility is very telling of the deep misogynistic root you have.
SHE put herself in this situation.
Women will do anything but hold themselves accountable for their own actions 😂
@@YouMissedBro I believe that would be men. As evidenced since the beginning of time.
Please stay with the pregnant girl and help her more!
Almost all of the callers were in their 20s. I am older and cannot relate, therefore not helpful. Any chance the screeners can present callers of different ages and circumstances? Love the show, but would rather not spend my time fast forwarding through most of it.
Is this the first day on earth you’ve ever watched the Ramsey Show? It must be, because there’s a variety of callers and situations on a very regular basis, and even older folks can learn something new - at least, I enjoy this aspect of the show.
YES!
That’s why I watch on RUclips. I can fast forward through the calls that don’t interest me.
Our state mandates passing a course in personal finance and economics as a graduation requirement. I don't see that it changes behavior much. Students still want what they want when they want it and parents still love bragging rights for their kids (sports, expensive college, etc.) whether or not they can afford it. It's easy enough to say - everyone call and require that this course be added to the high school curriculum. Does it occur to you that means additional teachers, which means not only additional salaries, but also health and retirement benefits? (The salary of a teacher is actually only half of what it costs to hire one teacher.) So, are you willing to add that to education budgets when buildings are in disrepair and salaries of teachers already employed need to be raised in some states? The schools CANNOT continue to do everything that parents should be doing and then keep taxpayers on the hook for added costs! The Ramsey personalities sometimes are unaware of one of the first rules of economics - unintended consequences!
It is cheaper LONG-TERM FOR SOCIETY to have financially-literate citizens so even though it may require some upfront costs such as teacher salaries, it is an INVESTMENT INTO OUR FUTURE. Whether people do what they are taught is one thing, but not even knowing there is another way is another thing. Ignorance is dangerous. Look at our national debt. They are perfectly ok carrying trillions of dollars in debt bc it has been engrained in everyone’s mind is debt is NO BIG DEAL. And yet, if we had the up and coming generation of future politicians GRASP that debt is bad then maybe they would be more hesitant to spend money we don’t have and just raise taxes or print money bc they can’t figure out there isn’t an endless supply of money. It’s like being married to someone who just buys whatever they want and they tell you well, I need it so just go make more money. And if you don’t go make more money they just put it on a credit card until one day you are so far into debt you can’t get out of it without DRASTIC measures. Financial illiteracy has consequences.
@@alycat9186 As I stated, rarely does knowledge change behavior. It does not for students and parents who cannot be deterred from the college "dream schools" of their children. Knowledge does not change behavior for those who smoke, use drugs, are overweight, the list goes on.
Why is the ABA and Business Practices allowing criminals to use DIY legal documents to practice law without a license and not recommending Fiduciary Security z lawyer’s Permission Ledger forger proof crime interdiction administrations?
I beat Katherine! My Federal refund was $6.00!!
Cutting the cord at 23?! Should have moved out yearssss ago!
If you are 23 and your parents pay all your bills, they failed!
23 with no car or license?!
failure to launch@@TheBrittbrat2341
How many times are you going to respond to yourself?
His mom and dad won’t get him to the dmv for a license!
Ken sweating 🤣
Jade was like I might yell at you 😂😂😂
College kid: living free is fake.
Pitch in. Repaint the kitchen if mom wants that.
Replace your childhood bed with a nice new one the parents can offer to guests.
Make a nice dinner for the family once a week. Shop, cook, clean up.
Wash their cars inside/out.
Stop acting like a hotel guest. It's time.
100 percent flat tax!
Finally, no Dave!
Great show!
A new show title: "Dead Air Dave." Time is ticking, but no sound....😊
Why that girl getting scammed so much
Probably because she is financially desperate, even before her current situation. Desperate people tend to fall for the too good to be ture easy way out scams.
Jade is really rude to everyone, her co hosts and callers.
Not really, but Dave is.
I love Jade!
I don’t think even Dave is rude. He just cares for people. Tough love. I’ve been listening to him for 30 years and I am debt free!!! So I would put up with whatever. You can learn from this guy. It works. Bless you and may you be free someday❤
HIGHLIGHT @ 1:05
Who Got Closest to ZERO!?!
First guy sorry man go live a little get a job and girlfriend
Imagine being 23 and not knowing how to drive 😂
There are millions of people who live in major cities with good public transportation who do not drive.
For some people learning to drive is just not a priority. I'm 40 and will probably NEVER drive.
In debt get a blind😀
🌸🌸🌸🌸🌸
Jade & Ken missed the first Caller say he plans on buying his PARENTS CAR WITH ZERO INTEREST.... BUY IT OUT RIGHT FOR CASH 💸 💰 🤑 🤪
He doesn't even have a drivers license
@@pamsmith1665😅😅That was an interesting call.
You're 23.. leave. Jesus.
The jokes made by Ken today making fun of people without sweat glands was in bad taste. That can be a life-threatening condition
Making fun of a disease though?
Uugghhh.
The two worst together. Yuck.
Why?
Who cares
Don't listen
Yuck!!
@@phinxIX I didn't.
It's a product
Like a cheeseburger.
You can like it or not.
If the menu gets enough complaints from the customers, they will change it!
Terrific combo.
@@phinxIX Why tho?