@@shibdassarkar9357 why would that matter without additional context? As you can infer from my original comment, I only just recently finished my latest degree 2 years ago so my income isn't very high. I simply made a plan, stuck with it, and lived well below my means.
I absolutely LOVE these two together 😂 had me in stitches with caller Judy. It was like a good cop (Ken) bad cop ( George) situation. George & Ken are a breath of fresh air 😊. Don’t get my wrong, I’m an old air apostle of Dave, but this is a fun mix ❤. Great work guys 👍🏻✅. Keep em coming!
So funny with Ken wanting to give Grant some "tips" off air and saying "You're getting partial information. No one's telling you to give it up." - but George, right back to the money issue with his single-minded focus.🤣🤣🤣 Laughed my head off!
Oh Judy! If your BF passes away or leave if things go south you’ll be living in the other house and it’s bye-bye to the rental income. You’ve GOT to work full time to save and invest for as long as you’re physically able bcz one day you wont be. The BF’s kids will get all his assets.
"This is a Netflix show." (George - one of the best remarks of the night) "We're wearing Team Judy tee-shirts right now." (Ken - another best remark of the night) "Let's pretend like you do have expenses." (third best remark of the night) This call with Judy was a hoot with both of them trying to get to the bottom of the story. It was like peeling an onion - one layer after another. Haha!
Except for how demeaning they were about Catholics having too many kids and then turn around and speak much nicer to the person who wants to rent a poor women’s womb and artificially create children and probably kill the rest. So much for being a Christian values company
This woman who got an AA in Applied Health could have had her RN already but took the long road. She would have been done with the hard part, and could work full-time and do school online by now.
Yeah, what the heck was she thinking. I don't get people, they just do stuff and say idk why I did it. Nursing is "competitive" in very specific roles, but also there are a million nursing jobs and most programs hook you up with an internship or job straight through the program.
Andrew, if you haven’t already please consult a dementia specialist and an architect that specializes in building homes for elders. It could save you tens of thousands in retrofits later. Also consider adding an in-law type suite to the parents’ small home so you could have 24/7 care on-site in the future since your goal is to keep them at home. It would be sad if all your thoughtful planning and expense is for nothing if your parents HAVE to go to 24/7 Assisted Living. The only wise comments Ken shared, and he’s right, were about considering your parents’ safety and EVERYONE’S quality life. On the money side, while keeping your parents in the lowest tax bracket, empty their pre-tax acts over the next few years. Draw down into the brokerage acct or if they have ROTH IRAs (didn’t sound like it though) consider ROTH conversions. Inheriting funds that have already been taxed will be much easier, especially after all your family is going through now and after the loss of your parents. Wishing you and your parents and extended family all the best as you move through this phase of life. (I’ve been there.) ❤
They missed the fact with the military couple that they needed to move out of California, did they have a house in CA to sell? Do the need to move back to the house in Arkansas rather than buy or rent a house in another state?
You don’t have to be Catholic to have a large family! Kids are a blessing from God. 😂Psalm 127:3-5 Some good friend of ours have 10. The mom has several answers for that “ you know how that happens” comment. Like “My husband is just so good at it, I cannot help myself!” Or “Yes, and I Like it!” 😂 Embarrassing questions deserve embarrassing answers.
Hey Ken, hey George..love you guys…been working the program for years now. I listen to the podcast each morning and became a financial peace leader about 5 years ago it’s the best..anyway I noticed there was a key factor that was missed on the guy with 6 kids he didn’t work the baby steps correctly he skipped over baby step three (which is so important with anyone especially for someone with 6 kids) he shouldn’t buy a house until he saves 3-6 months and completes this step! Just wanted to share in case he were to review the comments. I don’t think that was brought to his attention enough:)
Dang, Kristie, $800 for a phone? Hells bells, you can get a Tracfone for less than $100 w/a 1-year service plan for less than $210. Boom, $500 freed up right there!
Personally, I think the way they try to sell it is very unrealistic. I put in all my fixed expenses and see what is left. I then label that as a Discretionary category, meaning I can spend that on something that is not budgeted because different expenses always come up. As I spend the Discretionary money, I enter another category and subtract that money from what is left in the Discretionary category. That way I always know how much money I have to spend on categories that are not allocated.
I was this caller, I was throwing in 10% at my 401k for awhile and then I switched over to maxing out my own personal Roth because I’m nervous about how much I’ll really have in that by the time I’m able to retire meanwhile in the Roth all of that moneys tax free when you withdraw so that’s what made me call into the show
@@aarenlandis5375 fair enough :) Roth is tax free, and penalty free if someone does not touch it until at least 59½, observing the five year rule. There are exceptions though. Last year I think up to $1000 was withdrawable from Roths if folks went through difficult times. Maybe year before too.
but Company matched plan beats Roth. beats Traditional. and company matched plans can vary on a spectrum. I have seen 2-2, 5-3.5, and on Reddit it was publically shared 9 months ago by user PhDHistory that their retirement account through their employer is at 8% max with 100% matching. That's amazingly good. I have seen 2-2; 5-3.5 and folks have had 5-5 but depositing 8 and getting 16 is astounding. That is like over the course of a career probably a better ratio to percentage gain than Fauci and Pellosi's family did in terms of their double dipping totally wrong insider trading which they didwith warrant shares or stock options or whatever the beep it was. speaking of ethics. Of note, unethical companies like cigarette manifacturers phillipmorris offer alluring incentives on retirement side... while concurrently their businessess make it so you die shortly after reaping those rewards. So it is absolutely not just a numbers game. It is ethics as well. if PhD History chimes in and wants me to scrub their name from this post , Iabsolutely can. But I believe on giving credit where credit is due. In terms of citations and annotated bibliographies.
These guys making fun of the guy who lives with his mother and 13 year old daughter like his life is so messed up. What I wouldn't give to have my mother alive and to have a child. It's all in how you look at things. Telling him to work overtime. I'd tell him spend more quality time with those two really important people in your life. Because you won't have them forever.
Yes! They were really insensitive with that last caller. Who knows maybe the daughter needs to be watched for health reasons. And the rude snarky comments were a bit unnecessary
Kristie, be very careful with educational advice related to money on this show. There are issues they do not address that are important. If you have all your school costs covered now with financial aid due to your FAFSA result and you go out and earn another $20,000, then your financial aid will change and you could end up paying a lot more for your education going forward. It is best to keep yourself as low income as possible while you are in college if you are depending on financial aid. Secondly, this show rarely mentions that if you earn more, you will pay higher taxes and may even be in another tax bracket if your original bracket meant you were paying almost nothing. Earning another $24,000 a year does NOT mean you actually have the full $2,000 each month to put towards debt ($24,000 divided by 12). It's not that simple. Check all the angles!
They really fumbled the bag with Kristie single mom in debt up to her eyeballs making not much money. Spent all the time talking about getting a degree she can’t even afford any time soon. Also, if you are in debt and don’t know what to do you don’t HAVE to go buy an $800 phone. She doesn’t need to buy a house anytime soon either. Stop worrying about buying stuff and worry about getting your income up.
Wow, these guys were rude & had no respect for Grant who had 6 kids! Big deal! Not professional at all with making fun of him. He didn’t call in for advice or your opinion about having a big family or if he’s going to have more kids or not. Some people believe children are a blessing from God and accept how many they are given. I come from a big family and have a big family myself. And kids don’t need their own rooms.
The comments are for anyone who wants to comment - sometimes constructive criticism can help the hosts make better responses and give better advice. There is no sign that says "Positive comments only"
I prefer constructive criticism to only positivity. Positivity isn't always helpful or the truth. Don't get me wrong, I like positivity, just not for the sake of being polite.
And even at the end she’s saying I need a car and George is saying do this and this and this. Without addressing her main need, transportation 🤷♀️ if I were her I’d feel very let down
Ramsey personalities ranked based on how entertaining they are and how good their advice is: 1. George 2. Jade -small drop off- T3. John T3. Rachel -bigger drop off- 5. Dave -drop off a cliff- 6. Ken
Why are you trying to have a baby if she's not done dealing with cancer ? Get her healthy first and then think about a baby surrogacy. I means who is going to take care of a baby dealing with cancer ?
#1 McDonalds pays $16-17/hr..... #2 I have an idea... How about you INVEST IN YOURSELF AND LEARN A TRADE of some sort.... 3 years ago I made 14/hr as an apprentice Carpenter.. now I make $34/hr 48 hrs/week AND a 2nd job working another 24hrs/week at $17/hr... Past 3 months I have put away $8,000 cash. Goal for 2025 is AT LEAST $30,000 CASH saved. Don't complain. Do something about it.
Really? He's actually my favorite - by far. Real life experience and raising teenagers. Both feet flat on the ground. No easy answers. And no psycho babble.
It should hurt your feelings. It should make you uncomfortable. Comfort is what got us all in the mess we are in. Listen and learn to be better or go away to your safe space and stay where you are. But I'm getting out.
FEELINGS are what generally get people into trouble in the first place. The brain should be the locomotive and the feelings the caboose. People get into debt by shopping and eating out and doing irresponsible financial things when they are "feeling down."
Both of these guys need grammar cleanup - lie vs lay. Only a hen can "lay" in the present tense. A person will LIE down. Learn the difference - you both make this error often. Also, "Ken and I's advice", George?? It's Ken and MY advice. This is EASY to figure out. Take the other name out. Do you say "I's advice?" No. You say "MY advice."
Ken has gotta go. Give girls their own room, but pile boys into the same room? This man has favorites that's for sure. Speaking as a boy that would want his own room to be treated the same as my sister 🙃
My sister and I shared a room (we had no brothers). It didn't harm us. I don't understand why parents today think their kids "need" their own rooms. No one's going to die from having to share a room with a sibling.
@@bettedavis9261 you're not seeing the point. We shouldn't cater to our daughters over our son's. There's no need to say "well if they are boys then shove them in one room, but if it's our little princess well then she needs her own room"
Debt free as of 3 days ago! Paid off my $44k student loan in 14mo. No more debt for life from here.
Sir how much do you earn now? Please reply. Thanks a lot.
🎉🎉🎉🎉🎉🎉
Congratulations! 💪 🎉
@@shibdassarkar9357 why would that matter without additional context? As you can infer from my original comment, I only just recently finished my latest degree 2 years ago so my income isn't very high. I simply made a plan, stuck with it, and lived well below my means.
@@mmp495 thanks! I appreciate it.
caller 1 - 00:50
caller 2 - 12:35
caller 3 - 21:50
caller 4 - 28:05
caller 5 - 36:35
caller 6 - 44:00
caller 7 - 48:50
caller 8 - 53:50
caller 9 - 1:06:20
caller 10 - 1:17:35
GOAT!
Thank you. I couldnt listen to Judy any longer... smh
All my phones are used and around $100 from Ebay. Works just fine. You don't need a $800+ phone when you're broke.
I absolutely LOVE these two together 😂 had me in stitches with caller Judy. It was like a good cop (Ken) bad cop ( George) situation.
George & Ken are a breath of fresh air 😊. Don’t get my wrong, I’m an old air apostle of Dave, but this is a fun mix ❤. Great work guys 👍🏻✅. Keep em coming!
Hahahaha this was probably one of the funniest calls 🤣 25:47
@1:10:16 Ken you crack me up, wanting the replay of her boyfriend’s impression 😂🙌🏼
Love it - "I'm not willing to give it up!!"
1:06:17 this call 😂😂😂😂 Oh Judy… I hope she’ll be alright ❤
Judy is hilarious I am looking forward to the follow up show with her lol😂
yesss
Me too
I like this duo, great guys together 😁
My favorite duo!
So funny with Ken wanting to give Grant some "tips" off air and saying "You're getting partial information. No one's telling you to give it up." - but George, right back to the money issue with his single-minded focus.🤣🤣🤣 Laughed my head off!
Judy, no it is never too late to start investing. At your age you could live another 20-25 years. We are both retired, but we still invest.
Oh Judy! If your BF passes away or leave if things go south you’ll be living in the other house and it’s bye-bye to the rental income. You’ve GOT to work full time to save and invest for as long as you’re physically able bcz one day you wont be. The BF’s kids will get all his assets.
If there is a link where I can donate to the single mom, please share it. As a former single mom, I felt her pain.
Judy should call at least once a week just to do the voice
"This is a Netflix show." (George - one of the best remarks of the night) "We're wearing Team Judy tee-shirts right now." (Ken - another best remark of the night) "Let's pretend like you do have expenses." (third best remark of the night)
This call with Judy was a hoot with both of them trying to get to the bottom of the story. It was like peeling an onion - one layer after another. Haha!
it sure was… and Ken wanting the worse news .. i was beside myself on the treadmill
1:06:17 This call 😂😂😂😂 Oh JUDY… I hope she’ll be alright ❤
I like these 2 hosts.....good humor. Good luck to us all... ✨😊✨
Yes, my favorite duo!
Amen!
Best duo on the Ramsey show!
Love Judy and the voiceovers 💕
I’m Catholic, thanks for the shoutout George! 😂
Except for how demeaning they were about Catholics having too many kids and then turn around and speak much nicer to the person who wants to rent a poor women’s womb and artificially create children and probably kill the rest. So much for being a Christian values company
This woman who got an AA in Applied Health could have had her RN already but took the long road. She would have been done with the hard part, and could work full-time and do school online by now.
I was thinking the same thing. Could’ve done her RN in community college and be working as a nurse already🤦🏾♀️🤦🏾♀️🤦🏾♀️
Yeah, what the heck was she thinking. I don't get people, they just do stuff and say idk why I did it. Nursing is "competitive" in very specific roles, but also there are a million nursing jobs and most programs hook you up with an internship or job straight through the program.
Andrew, if you haven’t already please consult a dementia specialist and an architect that specializes in building homes for elders. It could save you tens of thousands in retrofits later. Also consider adding an in-law type suite to the parents’ small home so you could have 24/7 care on-site in the future since your goal is to keep them at home. It would be sad if all your thoughtful planning and expense is for nothing if your parents HAVE to go to 24/7 Assisted Living. The only wise comments Ken shared, and he’s right, were about considering your parents’ safety and EVERYONE’S quality life. On the money side, while keeping your parents in the lowest tax bracket, empty their pre-tax acts over the next few years. Draw down into the brokerage acct or if they have ROTH IRAs (didn’t sound like it though) consider ROTH conversions. Inheriting funds that have already been taxed will be much easier, especially after all your family is going through now and after the loss of your parents. Wishing you and your parents and extended family all the best as you move through this phase of life. (I’ve been there.) ❤
They missed the fact with the military couple that they needed to move out of California, did they have a house in CA to sell? Do the need to move back to the house in Arkansas rather than buy or rent a house in another state?
"Judy, that was worse" 😂😊 they helped Judy this day.
24:50 George, what happened to the Mormons and the Quiverfull movement? Their feelings are hurt you left them out!
Gluten free gladiators haha love that
K & G 👏 🙌 👏 🙌
Expecting a "generous" salary on day 1 in a brand new role without experience is wild.
We need Dave back
Judy is the best. I vote for her to be a regular.
24:50 GEORGE 🤣🤣🤣🤣🤣🤣🤣
You don’t have to be Catholic to have a large family! Kids are a blessing from God. 😂Psalm 127:3-5
Some good friend of ours have 10. The mom has several answers for that “ you know how that happens” comment. Like “My husband is just so good at it, I cannot help myself!” Or “Yes, and I Like it!” 😂
Embarrassing questions deserve embarrassing answers.
Hey Ken, hey George..love you guys…been working the program for years now. I listen to the podcast each morning and became a financial peace leader about 5 years ago it’s the best..anyway I noticed there was a key factor that was missed on the guy with 6 kids he didn’t work the baby steps correctly he skipped over baby step three (which is so important with anyone especially for someone with 6 kids) he shouldn’t buy a house until he saves 3-6 months and completes this step! Just wanted to share in case he were to review the comments. I don’t think that was brought to his attention enough:)
But wouldn't his paid for house cover that?
Dang, Kristie, $800 for a phone? Hells bells, you can get a Tracfone for less than $100 w/a 1-year service plan for less than $210. Boom, $500 freed up right there!
Every dollar is so confusing for me
I tried it but I’m old schooled. I prefer good old pencil and paper 4:52
I agree. I still use envelopes. It is a better system. Once the envelope is empty. No more funds.
it is common sense for the most part
Personally, I think the way they try to sell it is very unrealistic. I put in all my fixed expenses and see what is left. I then label that as a Discretionary category, meaning I can spend that on something that is not budgeted because different expenses always come up. As I spend the Discretionary money, I enter another category and subtract that money from what is left in the Discretionary category. That way I always know how much money I have to spend on categories that are not allocated.
Maybe if youre a boomer with 0 technology experience
50:19 is absolutely true.
"Match beats Roth beats Traditional"
I was this caller, I was throwing in 10% at my 401k for awhile and then I switched over to maxing out my own personal Roth because I’m nervous about how much I’ll really have in that by the time I’m able to retire meanwhile in the Roth all of that moneys tax free when you withdraw so that’s what made me call into the show
@@aarenlandis5375 fair enough :) Roth is tax free, and penalty free if someone does not touch it until at least 59½, observing the five year rule.
There are exceptions though. Last year I think up to $1000 was withdrawable from Roths if folks went through difficult times. Maybe year before too.
but Company matched plan beats Roth. beats Traditional.
and company matched plans can vary on a spectrum. I have seen 2-2, 5-3.5, and on Reddit it was publically shared 9 months ago by user PhDHistory that their retirement account through their employer is at 8% max with 100% matching. That's amazingly good. I have seen 2-2; 5-3.5 and folks have had 5-5 but depositing 8 and getting 16 is astounding. That is like over the course of a career probably a better ratio to percentage gain than Fauci and Pellosi's family did in terms of their double dipping totally wrong insider trading which they didwith warrant shares or stock options or whatever the beep it was.
speaking of ethics.
Of note, unethical companies like cigarette manifacturers phillipmorris offer alluring incentives on retirement side... while concurrently their businessess make it so you die shortly after reaping those rewards.
So it is absolutely not just a numbers game. It is ethics as well.
if PhD History chimes in and wants me to scrub their name from this post , Iabsolutely can. But I believe on giving credit where credit is due. In terms of citations and annotated bibliographies.
Team Judy🙌🏼
The YT adverts are insane throughout this show. Not even 2 minutes between sometimes!
Enjoy having babies Grant!!! Blessed when your quiver is full!!! Psalm 127: 3-5
Judy doing the voice of her boyfriend 😂 (basically husband after 18 yrs ha)
Thomas, if you don't have answers then how are they supposed to help you.
These guys making fun of the guy who lives with his mother and 13 year old daughter like his life is so messed up. What I wouldn't give to have my mother alive and to have a child. It's all in how you look at things. Telling him to work overtime. I'd tell him spend more quality time with those two really important people in your life. Because you won't have them forever.
Yes! They were really insensitive with that last caller. Who knows maybe the daughter needs to be watched for health reasons. And the rude snarky comments were a bit unnecessary
Waaayyyyy too many commercials.
Kristie, be very careful with educational advice related to money on this show. There are issues they do not address that are important. If you have all your school costs covered now with financial aid due to your FAFSA result and you go out and earn another $20,000, then your financial aid will change and you could end up paying a lot more for your education going forward. It is best to keep yourself as low income as possible while you are in college if you are depending on financial aid. Secondly, this show rarely mentions that if you earn more, you will pay higher taxes and may even be in another tax bracket if your original bracket meant you were paying almost nothing. Earning another $24,000 a year does NOT mean you actually have the full $2,000 each month to put towards debt ($24,000 divided by 12). It's not that simple. Check all the angles!
We want Dave back.
Where is he? 😢
@@naggielarr7766Vacation
Kristie puts her son in private school, buys an $800 phone, gets an associate degree that she doesn't need and wonders why she can't get ahead?
I'm in dire need of a car and I just bought an $800 phone....
They really fumbled the bag with Kristie single mom in debt up to her eyeballs making not much money. Spent all the time talking about getting a degree she can’t even afford any time soon. Also, if you are in debt and don’t know what to do you don’t HAVE to go buy an $800 phone. She doesn’t need to buy a house anytime soon either. Stop worrying about buying stuff and worry about getting your income up.
Or work at a hospital as a nurse assistant and have them pay for the degree.
They didn't fumble anything. Those were her decisions, that she already made. You can't get a refund for that stuff lol.
Wow, these guys were rude & had no respect for Grant who had 6 kids! Big deal! Not professional at all with making fun of him. He didn’t call in for advice or your opinion about having a big family or if he’s going to have more kids or not. Some people believe children are a blessing from God and accept how many they are given.
I come from a big family and have a big family myself. And kids don’t need their own rooms.
One and done
People are trolling the comments today! If you can’t say something nice…
The comments are for anyone who wants to comment - sometimes constructive criticism can help the hosts make better responses and give better advice. There is no sign that says "Positive comments only"
I prefer constructive criticism to only positivity. Positivity isn't always helpful or the truth. Don't get me wrong, I like positivity, just not for the sake of being polite.
Your commercials/advertisements are longer than your actual program! Disgusting!
George doesn't seem to understand what a charge off is.
2012 Chevy Colorado, add it to the list of domestic vehicle TRASH...
Poor girl calls to ask about paying for a new car and they spend the whole time talking about everything except that
And even at the end she’s saying I need a car and George is saying do this and this and this. Without addressing her main need, transportation 🤷♀️ if I were her I’d feel very let down
@ same
Ramsey personalities ranked based on how entertaining they are and how good their advice is:
1. George
2. Jade
-small drop off-
T3. John
T3. Rachel
-bigger drop off-
5. Dave
-drop off a cliff-
6. Ken
Why are you trying to have a baby if she's not done dealing with cancer ? Get her healthy first and then think about a baby surrogacy. I means who is going to take care of a baby dealing with cancer ?
Hope Ken is ok?! He seems a little off this time.
Bored with these awful callers probably
Why are you calling Rob, people are truly dense.
Everyone in Ramsey is out of touch. They just think we can magically get a job @ $25 an hour or even $20. Most jobs at most pay $13-15 an hour
Everyone in AMERICA is out of touch.
Where do you live?
Lol, no.
#1 McDonalds pays $16-17/hr.....
#2 I have an idea... How about you INVEST IN YOURSELF AND LEARN A TRADE of some sort.... 3 years ago I made 14/hr as an apprentice Carpenter.. now I make $34/hr 48 hrs/week AND a 2nd job working another 24hrs/week at $17/hr...
Past 3 months I have put away $8,000 cash. Goal for 2025 is AT LEAST $30,000 CASH saved.
Don't complain. Do something about it.
Right on jobs and are not gonna start you out exactly at 20 or 25 you gotta be there 100 years before you make that kind of money
The landscaper needs a job
This show has gone down hill so bad...'there's family planners for that,' seriously? Did you actually say that??? Horrific, dave is dying inside
You chose to be a single mom instead of getting a house and a car. Decisions have consequences, ladies!
Catholic comment wasn't nice George and not necessary. I usually like your humor, but that was out of bounds.
Lol...
Damn use to like Ken. Now he is out of touch
Ken Coleman is out of touch.
Be more specific
He makes George Kamel look like a normal person.
I usually like Ken & think he has good career advice but lately has seemed out of touch. No more stories about your wealthy friends please 😝
Really? He's actually my favorite - by far. Real life experience and raising teenagers. Both feet flat on the ground. No easy answers. And no psycho babble.
There’s a reason they always hide him in the thumbnails 😅
Ken is GROUCHY. He needs to reinvent himself. More compassion. Dave is just mean. He helps but his help hurts your feelings.
they all have their place
It should hurt your feelings. It should make you uncomfortable. Comfort is what got us all in the mess we are in. Listen and learn to be better or go away to your safe space and stay where you are. But I'm getting out.
Life is hard and will hurt your feelings too! Toughen up buttercup!
FEELINGS are what generally get people into trouble in the first place. The brain should be the locomotive and the feelings the caboose. People get into debt by shopping and eating out and doing irresponsible financial things when they are "feeling down."
He was hilarious tonight!
Both of these guys need grammar cleanup - lie vs lay. Only a hen can "lay" in the present tense. A person will LIE down. Learn the difference - you both make this error often. Also, "Ken and I's advice", George?? It's Ken and MY advice. This is EASY to figure out. Take the other name out. Do you say "I's advice?" No. You say "MY advice."
Are you gonna be okay?
Ken has gotta go. Give girls their own room, but pile boys into the same room? This man has favorites that's for sure. Speaking as a boy that would want his own room to be treated the same as my sister 🙃
My sister and I shared a room (we had no brothers). It didn't harm us. I don't understand why parents today think their kids "need" their own rooms. No one's going to die from having to share a room with a sibling.
@@bettedavis9261 you're not seeing the point. We shouldn't cater to our daughters over our son's. There's no need to say "well if they are boys then shove them in one room, but if it's our little princess well then she needs her own room"
Ken is so out of touch.