I found you on am radio in 1994 one year after I bought a 30 year house note. I followed your plan and paid it in 13! I kept listning and was able to retire at 58 years old!!! Thank you. 6 star review!
You r so lucky ! I Just found the show last week, can’t stop watching it! Wish I found it earlier. I remember Dave said if you don’t know your numbers, you don’t know your business! What a clever idea!!! I started calculating my numbers and will have actual plan for future life! OMG ! So regret for the past!
Ramsey Solutions, my daily/weekly motivation & life advice. I'm a road warrior never been a fan of talk radio. Until I came across Papa Dave and his wonderful team, I listen to the Ramsey Show daily.
Same here 3 years in … this is just a remarkable honest work that is actually changing lives which is very rare to come across these days Listen / believe / do
Such great, high-quality and elevated conversations between Dave, John, the Debt-Free folks and the callers throughout the entire two hours. Perhaps the best collection of episodes I've seen and I LOVE them all... Thank you.
All these years if listening to Dave and I am just now subscribing. Not sure if I just never subscribed or if somehow I was unsubscribed. I'm subscribed now!🎉💞
About the lady asking about her pastor going into more debt to upgrade the church...a church I used to go to, has maybe 100 people in it at best. The pastor wants to spend $1 million on a new church building. He sent multiple letters to me asking for money on top of any regular offerings I give. I haven't been back to that church in years. Ready to ask for money, but never bothered to check in. Not to mention $1 million is totally insane
" WERE DEBT FREE" THE NEXT BOOK YOU SHOULD MAKE PUBLISH FOR ALL OTHERS TO GIVE SUPPORT TO SEE HOW OTHERS DECIDED TO CHANGE THAT HAD LESS DEBTS THAN THE ONES IN THE TENS OF THOUSANDS OF DOLLARS THANKS JOEL CURTIS ALM AGAIN ANOTHER SUPER GOOD POD CAST.
The discussion about Insurance is so true. FPU was so timely in this lesson. The FPU lessons, homework on checking policies. Save me Big time. Money now and later. Realized I was underinsured with both my car and home insurance. Having insurance for so long, I just paid and renewed without changes in coverage.
It always hurts to hear people like the caller with her brother; they smelled that she didn’t have boundaries & ran right over her. Shame on them. Nobody in their right mind has ever even tried to play with me like that, they just don’t even try; idk how I would react if someone tried. Wouldn’t be good. I hope she can either talk to the brother or distance herself & find peace & strength without them.
Together we make about $150,000 a year and I’m constantly running drives for underprivileged kids in my area, for the women’s shelter, nursing home, our public schools, individuals who need items for their children or a home they just got into. I don’t do it with a non profit or my job. I just gather help on fb and get the community involved putting in hundreds of my own dollars to the point where I’ve put myself in some situations financially but I’ve learned I can do much bigger things if I can be wealthy, all thanks to Dave.
Great show guys!! Thanks dave for reminding us about updating home insurance coverage. I did this last year and saved $80 while increasing coverage due to some inaccuracies on our policy
Dr. John. I’m 65 years old live in NYC work in NYC & where did u see all these people hugging to be back at work ?? ( LOL 😂) Wow, because Dave has been railing against the lockdown from day 1., please don’t be a sycophant, I like the show and always learn
Dear Mr. Ramsey, what you are doing is great, but you are doing it for your own profit. My information is, that this strategy of working your finances is actually a strategy that the German chamber of commerce has come up with a long time ago, to help little and medium size business survive and thrive. None the less, I respect you for helping thousands of people in the USA to get out of the hamster wheel of the depth industry. I am almost depth free, house paid for, car paid for, small pension of 1700 euros net, health insurance secured. Only 4500 credit card depth left to pay off. Working on it, but that little last thing is hard.
question, i went to graduate school for music lit and specialize in horns,. i owe 35k in student debt and make only betwen 25-38k per year. I have about 70k in debt. Not sure how i can retire on this, i cannot get a job with music theory. my 4th child is due and my wife cannot work. the only other work i can get is clerical and pays not much more.. i should've listened and gone to business school
@@mack3354 it's never too late to make a change. Now that you're matured enough to know which knowledge and skills are valuable in the marketplace, go pursue them.
Mack, I agree with Justice. It’s never too late, so long as you are still breathing and can work. I encourage you to read Dave’s Total money Makeover (e.g., from library), memorize select scripture (Proverbs 3:5-6; and Jeremiah 29:11, etc.), and make a prayerful plan and goals with your wife! It may include you working 1-3 extra jobs while you go work through Dave Ramsey‘s 7 Baby Steps that are in the book and on the web; building your financial knowledge and financial plan during that time; and seeing if there is work that your wife can do from home, such as tutoring or a reputable call-based job. I would consider moving to a state or city with a much lower cost of living, but you 2 need to decide what’s best for your family! I hope that this helps! I’ve said a prayer for you and your family!-/Ali D.
Dave assumed she made 90K, why? She makes almost double that at 160K but does make double if you include the 20K bonus. He also called her articulate, why?
I have 250k in student debt and a degree in basket weaving, two brand new truck payments, 40k in credit card debt, and owe 350k on a new house. I make 50k per year and have 200 dollars in savings. Is there any hope for me?
It’s crazy again and mad that everyone is crazy to believe that they can’t do anything anytime that they see this mess is crazy and can’t be looked at as cool is ceZy uuu uuuuu huhhh hhh. Uuu uuuuu yuuuu uuuuh huhhh huhhh huh huhh
He doesn’t. Churches used to care for the widows and orphans. About 40 years ago the small church we went to paid a lot of our household bills after my dad was paralyzed and in the hospital for over a year. Members would bring food as well. It was temporary but impactful.
I found you on am radio in 1994 one year after I bought a 30 year house note. I followed your plan and paid it in 13! I kept listning and was able to retire at 58 years old!!! Thank you. 6 star review!
You r so lucky ! I Just found the show last week, can’t stop watching it! Wish I found it earlier. I remember Dave said if you don’t know your numbers, you don’t know your business! What a clever idea!!! I started calculating my numbers and will have actual plan for future life! OMG ! So regret for the past!
Ramsey Solutions, my daily/weekly motivation & life advice. I'm a road warrior never been a fan of talk radio. Until I came across Papa Dave and his wonderful team, I listen to the Ramsey Show daily.
Me too. 13/ 14 years.
B I’ll Qing novicesbmmc pop blo
Same here 3 years in …
this is just a remarkable honest work that is actually changing lives which is very rare to come across these days
Listen / believe / do
4 years & counting over here.
Me too! I live abroad. 😊
Those were my favorite debt free scream testimonies! Way to go Cindy and Bobby and Larry and Kimeisha! God is so good! 🙌🏻🙌🏻🙌🏻
Things Dave Loves:
1. Being better than he deserves.
2. IT
Such great, high-quality and elevated conversations between Dave, John, the Debt-Free folks and the callers throughout the entire two hours. Perhaps the best collection of episodes I've seen and I LOVE them all... Thank you.
The Larry Stewart story was a great one. When you are broke, $20.00 is a lot of money. I will have to google him. Thank you for sharing.
All these years if listening to Dave and I am just now subscribing. Not sure if I just never subscribed or if somehow I was unsubscribed. I'm subscribed now!🎉💞
I can hear the emotion in Dave and John when the guests do their debt free scream. They're clearly living life fully and doing what they love.
2:51 LOL that primal scream from Dave
8k left on student loans🙂
Well done feels good , that's about how much I have on my mortgage to go
Congrats!!! I’m about 10k out myself…. Almost 40k gone!!!
👏
You got this!
You got this!!! KEEP HUSTLIN!!
I listen daily, am debt free and living life!!!
About the lady asking about her pastor going into more debt to upgrade the church...a church I used to go to, has maybe 100 people in it at best. The pastor wants to spend $1 million on a new church building. He sent multiple letters to me asking for money on top of any regular offerings I give. I haven't been back to that church in years. Ready to ask for money, but never bothered to check in. Not to mention $1 million is totally insane
A whole year ago! I've never heard this episode. I'm Caribbean and it's so nice to hear a Trini on the show!! ❤
Thank you Mr Ramsey. Great show you've changed my life. God bless you, your family and your team.
Delony sticks with the script: What did you learn? Dave (interrupting): Wait a minute. What color was it?? LOL
I wanted to see pics.
Such a wonderful couple in the first debt-free scream. Love it!!!
I wish to have that 😕 😔 😪
" WERE DEBT FREE"
THE NEXT BOOK
YOU SHOULD MAKE
PUBLISH FOR ALL
OTHERS TO GIVE
SUPPORT TO SEE
HOW OTHERS DECIDED
TO CHANGE THAT HAD
LESS DEBTS THAN THE
ONES IN THE TENS OF
THOUSANDS OF DOLLARS
THANKS
JOEL CURTIS ALM
AGAIN ANOTHER SUPER
GOOD POD CAST.
The discussion about Insurance is so true. FPU was so timely in this lesson. The FPU lessons, homework on checking policies. Save me Big time. Money now and later. Realized I was underinsured with both my car and home insurance. Having insurance for so long, I just paid and renewed without changes in coverage.
Good reminder to spend the hours on hold every so often not just once a year checking with different companies that my independent broker suggested
It always hurts to hear people like the caller with her brother; they smelled that she didn’t have boundaries & ran right over her. Shame on them. Nobody in their right mind has ever even tried to play with me like that, they just don’t even try; idk how I would react if someone tried. Wouldn’t be good. I hope she can either talk to the brother or distance herself & find peace & strength without them.
Dave for president 🇺🇸
Favorite episode I’ve heard so far
Together we make about $150,000 a year and I’m constantly running drives for underprivileged kids in my area, for the women’s shelter, nursing home, our public schools, individuals who need items for their children or a home they just got into.
I don’t do it with a non profit or my job. I just gather help on fb and get the community involved putting in hundreds of my own dollars to the point where I’ve put myself in some situations financially but I’ve learned I can do much bigger things if I can be wealthy, all thanks to Dave.
That is a very nice thing that you are doing!
Love this show. Thank you so much mr Ramsey
45:09 to 45:14 " there's not a lot of transparency in church"....shocker..
Such awesome couple in the first Debt Free Scream !!!!
Great show guys!! Thanks dave for reminding us about updating home insurance coverage. I did this last year and saved $80 while increasing coverage due to some inaccuracies on our policy
Umm… Bobby looks like Dave. Lol😂
sometimes i think the insurance business is dirty ? am i right or wrong ?
I have a mortgage with 2% interest rate and a student loan 3,5%. Should I invest or pay debt?
Pay off your debt. Freedom first, investment second.
The reason money is something people don't like talking about is because money is poorly managed by many and it reflects who you are as a person.
13k people left on student loans
Hah they named their kid "Railin'"
another great show ❤
Dr. John. I’m 65 years old live in NYC work in NYC & where did u see all these people hugging to be back at work ?? ( LOL 😂)
Wow, because Dave has been railing against the lockdown from day 1., please don’t be a sycophant, I like the show and always learn
it is always "given the state of the world" as an excuse
So Glad for them.
Borrower is the slain to the lender , if this pandemic taught me anything , it taught me that
What if there is a will put in place it seems to protect me but what if behind my back my new husband changes the will
Now refinance, take the money, buy another house with a finished basement or duplex and live completely free .
Dear Mr. Ramsey, what you are doing is great, but you are doing it for your own profit. My information is, that this strategy of working your finances is actually a strategy that the German chamber of commerce has come up with a long time ago, to help little and medium size business survive and thrive. None the less, I respect you for helping thousands of people in the USA to get out of the hamster wheel of the depth industry. I am almost depth free, house paid for, car paid for, small pension of 1700 euros net, health insurance secured. Only 4500 credit card depth left to pay off. Working on it, but that little last thing is hard.
question, i went to graduate school for music lit and specialize in horns,. i owe 35k in student debt and make only betwen 25-38k per year. I have about 70k in debt. Not sure how i can retire on this, i cannot get a job with music theory. my 4th child is due and my wife cannot work. the only other work i can get is clerical and pays not much more.. i should've listened and gone to business school
What's the question?
im in severe financial trouble, do i change my way of life and career? or move out of CA to afford housing
@@mack3354 it's never too late to make a change. Now that you're matured enough to know which knowledge and skills are valuable in the marketplace, go pursue them.
@@Uncleamo42 thank you
Mack, I agree with Justice. It’s never too late, so long as you are still breathing and can work. I encourage you to read Dave’s Total money Makeover (e.g., from library), memorize select scripture (Proverbs 3:5-6; and Jeremiah 29:11, etc.), and make a prayerful plan and goals with your wife! It may include you working 1-3 extra jobs while you go work through Dave Ramsey‘s 7 Baby Steps that are in the book and on the web; building your financial knowledge and financial plan during that time; and seeing if there is work that your wife can do from home, such as tutoring or a reputable call-based job. I would consider moving to a state or city with a much lower cost of living, but you 2 need to decide what’s best for your family! I hope that this helps! I’ve said a prayer for you and your family!-/Ali D.
The first caller sound like a Trinidadian 🙌
It's time for student loan to stop being a scam.
Dave assumed she made 90K, why? She makes almost double that at 160K but does make double if you include the 20K bonus. He also called her articulate, why?
1:42:00 was hilarious
I have 250k in student debt and a degree in basket weaving, two brand new truck payments, 40k in credit card debt, and owe 350k on a new house. I make 50k per year and have 200 dollars in savings. Is there any hope for me?
Do you have a timeshare yet?
@@DrJack144 I have some free Disneyland tickets for only 15 minutes of his time
Sell the cars
@@DrJack144 lol.
@@DrJack144 did I not mention the timeshares?
When did Dave stop wearing only blue shirts!?
About a month ago
Yes sis!!!
I like Cindy and Bobby..
I make less than 30,000 a year and I have no debt. Somethings wrong with people entitle irresponsible. Wow I almost want to say you are. S….p
What would you pay off first?
$800 credit card or $1800 car? If I pay off car first, I can pay off the $800 credit card in 2 months.
Too bad debt free stories get rushed
Cindy... talking over your husband and controlling everything isn’t biblical
30:00
It’s crazy again and mad that everyone is crazy to believe that they can’t do anything anytime that they see this mess is crazy and can’t be looked at as cool is ceZy uuu uuuuu huhhh hhh. Uuu uuuuu yuuuu uuuuh huhhh huhhh huh huhh
🐐🐐🐐
Why does God need money? What a scam
He doesn’t. Churches used to care for the widows and orphans. About 40 years ago the small church we went to paid a lot of our household bills after my dad was paralyzed and in the hospital for over a year. Members would bring food as well. It was temporary but impactful.
He doesn't, no scam.