Wish they actually went into the numbers of the budget instead of just feel good fluff motivation. Eg she worked so hard her fingers were sore. Like she was asked what was her most lucrative side hustle, voice lessons. Ok how much were you making per month/year doing that. How much was the annual income from the main jobs. What was her husband doing as his main job. To pay off 260k of debt in 7.5 years, probably need to be putting somewhere around 3k at it each month which is an additional expense in the budget. Top line monthly income, second line taxes, third debt payoff, fourth rent/mortgage, fifth living expenses. If 3k is 3rd line, likely need an income that supports 3k in taxes a month so about 11-15k a month.
My friend from work, introduced me to Dave Ramsey 7-8 years ago. My finances were a mess! I saved and saved, and at the same time, was putting an equal amount of monthly mortgage towards the principal. I paid off my house on 17 April, four days shy before my 60th birthday. I am retiring end of April this year, and I am debt free. But on my birthday, my water heater tank started leaking. 😂
The middle part of paying off debt gets tedious. Seems like you’ll never get to the end. Agree that celebrating your progress is so important. I’m at a midpoint and feel like quitting. This video has been encouraging
This is so inspirational. I have just started with the baby steps early this year and have paid off 3 of our debts as of this month! We still have a long way to go but I’m so thankful with our little progress.❤️
Next month I will pay off my third of 12 debts. I love this story because it shows about side hustles leaning into your wheelhouse! I’ve been hesitant about side hustling because I’ve been rejected for a few jobs due to hours or days of availability. I’ve never had this struggle before so the perseverance Jade shows is super encouraging!!
I really needed to hear this; I was tripping off of our 40k debt. God wanted me to hear this, I sent this episode to my wife and we are going to work towards killing our debt. Man, I love Rachel, and thanks so much Jade. Our situation is nothing compared to where you came from. This was extremely encouraging. We're going to do the baby steps.
Jade is married. You’re divorced. It’s way easier to pay off debt when you’re married to a husband who helps you financially. Your best bet is to put your ex husband on child support and try getting alimony if you’re legally entitled to it.
Love Jade. I hope she writes a book or more. I would buy it. I also hope she host another class in the future. I also hope they do more collaborations. Love Rachel, too. ❤
Gosh I loved this discussion so much! Thank you Jade for sharing your story and Rachel for always bringing forward the difficult discussions all the while reminding us there is a way through.
@@NicolinaBruno we don't buy clothes normally. I wear scrubs snd uniforms. We just went on vacation and bought new summer clothes. Spent about $300 from our fun funds.
I’ve been looking forward to hearing more about Jade’s debt free journey. Loved the tidbits she has shared in other Ramsey shows, and have been wanting to hear more! Super inspiring! Thank you for sharing Jade!
I am absolutely amazed at Jade and Christina. I ♥ their stories, determination, strength and enthusiasm. They paid around $61,000/ year on this debt ! I would love to listen to an indepth interview with Jade and Sam to hear more about their debt free journey together.
Thank you for sharing your story, Jade! I have a large amount of debt (mostly student loans) and I needed to hear your story to get motivation to tackle my debt more aggressively.
This was so good. I have been working on being debt free since 2020 and it has seemed like it's been forever but I'm glad I saw this clip it is so thank you both for sharing! I will be debt free!❤😊
Totally inspiring and empowering . I'm a musician whose income "varies" (LOL). In 2015, we started the Ramsey baby steps, started a business. Today: Debt-free and grateful to live with less and give more. Jade is right on the money! Thank you for this!
I’m a musician and the arts are very expensive. At first, I didn’t understand that kind of debt, but Jade said that she was in the arts. I also did side hustles. I’m debt free too. It’s just a shame that she had that kind of debt. However I’m glad her family got out of it.
I hadn't listened in a very long time. One day I saw a clip come up for the show and there was a new person. I thought: Hey, what the heck, I'll listen. SO GLAD I DID. Jade is the perfect piece to the DR puzzle.
This is so good! I love that you touched on celebrating little milestones. I’m currently working the plan and still have a ways to go. The other night I allowed myself to get an affogato from a restaurant. After, I felt revived and ready to get back at it.
I am glad you guys did this segment, I have been wondering what Jade's story is. It would be great when a new personality is on board if we could get their journey! Thank you for sharing.
I love how different all of the Ramsey personalities are. There’s something for everyone and something special and different that each of them brings! It makes the advice relatable and goals within reach
Anger is a secondary emotion. It’s never the first emotion. It’s a response to fear. It’s absolutely true to say you’re scared rather than say you’re angry. People get angry because of something or some scenario they’re afraid of. If you are angry, ask yourself why you’re angry and you will find yourself describing what you’re afraid of.
Love your show and of course the Dave Ramsey show as well! Paid off our car loan (our last debt) in January this year🎉 Did not really follow baby steps in order, but we were able to buy a house back in 2020 (which I’m glad we did), with such low interest. We put down 20% and got a 15 yr mortgage. We are debt free except for our mortgage. Our goal now is either pay off our mortgage as fast as we could, or just keep on saving since we are also planning to buy a rental property.
Sold our truck and used the 22k we got from the sale to buy an older car with no payment and used the 5500 we had left to pay off 1 credit card. We then looked at our interest rates and moved some debt around. We had a card at 18% so we moved it to a heloc that was at 8%. It didn't pay off that debt, just moved it, but saves all of that interest. Also we were already paying the on the heloc and the payment doesn't change so we freed up that extra money that was going to that card and can now throw that to our smallest card.
@@metaltera86 all I'm saying is the person could've just left out "black" and just put beautiful woman instead. You don't need to describe someone's race to compliment their beauty.
Well done I started the debt snow ball October 2022 So far I paid off 25,000 dollars I am almost there. I cannot wait to be debt free. My goal is to be done by the end of 2023. I listen to Ramsey show every day while driven to work.
I’m going to need a cookbook from Jade for these amazing “reward meals” she talked about, because that sounds like a fantastic low budget reward idea, but I don’t even know where to start!
Wow jade went through a lot I follow Dave advice since I was 29 years old I wish I would her of David earlier now I am 31 dept free and investing a lot of money for 2 years and traveling the world thank you Dave Ramsey 😊❤
I’m very blessed in most ways, no debt and set for year’s financially… But this is amazing… I can’t imagine how much that took out of you.. I can’t say I would have that same energy at the moment
All this does us make me want to cry. 😢😢 I have had one emergency expense after another so I have not made a dent in 18 months.. Plus I'm disabled and can 't do anything "gazelle".
I wish they taught more about debt management in schools. My husband and I learned through life and it took us a lot longer but we did it. It took me 15 years of working retail to pay off my kids three years each of their college.I wanted them to have a good start. Better than us. We did become debt free till our 60s. I’m still worried about inflation in all areas of life.
Hiring Jade was one of the best choices Dave has ever made.
I absolutely love Jade! She is such an asset to the Ramsey team! I love that she speaks from experience and not theory, plus she’s super entertaining!
I really really like her too!! She’s great!!
And she has chemistry with the whole team. She is a wonderful addition. My favorite is her and Dave. ❤
Wish they actually went into the numbers of the budget instead of just feel good fluff motivation. Eg she worked so hard her fingers were sore. Like she was asked what was her most lucrative side hustle, voice lessons. Ok how much were you making per month/year doing that. How much was the annual income from the main jobs. What was her husband doing as his main job. To pay off 260k of debt in 7.5 years, probably need to be putting somewhere around 3k at it each month which is an additional expense in the budget. Top line monthly income, second line taxes, third debt payoff, fourth rent/mortgage, fifth living expenses. If 3k is 3rd line, likely need an income that supports 3k in taxes a month so about 11-15k a month.
She is amazing!!
Yesssss!!!!!
Jade was needed on Dave’s show! Love her personality, realness and personal story.
She has been such a great addition to the show. Her energy is the best!😊
She just needs some of the Dave mean when its called for. That will come with time :)
@@darex0827 Lol! This cracked me up because I agree that she can be nice to a fault! 😂 But I love that her comments are always infused with kindness.
@@darex0827 have you seen her rants on the show? She brings the same energy as Dave in my opinion
My friend from work, introduced me to Dave Ramsey 7-8 years ago. My finances were a mess! I saved and saved, and at the same time, was putting an equal amount of monthly mortgage towards the principal.
I paid off my house on 17 April, four days shy before my 60th birthday. I am retiring end of April this year, and I am debt free.
But on my birthday, my water heater tank started leaking. 😂
God bless you Helen! Enjoy your retirement ✨
@@N0V3MBER Thank you.
LOL!!!
@@cheryladams3690 I was told they always come in three. True enough, I have to replace the fire place and furnace at least before Winter this year. 🥴
The middle part of paying off debt gets tedious. Seems like you’ll never get to the end. Agree that celebrating your progress is so important. I’m at a midpoint and feel like quitting. This video has been encouraging
@Mark Jefferson 😂
This is so inspirational. I have just started with the baby steps early this year and have paid off 3 of our debts as of this month! We still have a long way to go but I’m so thankful with our little progress.❤️
Next month I will pay off my third of 12 debts. I love this story because it shows about side hustles leaning into your wheelhouse! I’ve been hesitant about side hustling because I’ve been rejected for a few jobs due to hours or days of availability. I’ve never had this struggle before so the perseverance Jade shows is super encouraging!!
@twoCentsPBS how did you do it? That’s absolutely amazing to me!!
@Katie Franko 😅
@Mark Jefferson 😂
I really needed to hear this; I was tripping off of our 40k debt. God wanted me to hear this, I sent this episode to my wife and we are going to work towards killing our debt. Man, I love Rachel, and thanks so much Jade. Our situation is nothing compared to where you came from. This was extremely encouraging. We're going to do the baby steps.
This was an awesome conversation Ladies! Need more collaboration between you two!!
Amazing story. Jade and Rachel are pure energy together!
The Ramsey movement is awesome!
Jade is a phenomenal new recruit! ❤️
This gives me hope, $150k student loan debt, getting divorce husband calls me trash, useless etc….. not much support, this video really helps.
I’m sorry to hear this, you are not trash. I hope things look up for you soon 🙏
Jade is married. You’re divorced. It’s way easier to pay off debt when you’re married to a husband who helps you financially. Your best bet is to put your ex husband on child support and try getting alimony if you’re legally entitled to it.
Love Jade. I hope she writes a book or more. I would buy it. I also hope she host another class in the future. I also hope they do more collaborations. Love Rachel, too. ❤
Deb here. Jade is an exceptional and articulate person. She gives inspiration to others who are in debt and do not think they can get out of it.
Anger is a secondary emotion. There is always an emotion you feel first before you get angry.
Gosh I loved this discussion so much! Thank you Jade for sharing your story and Rachel for always bringing forward the difficult discussions all the while reminding us there is a way through.
I love this. We are in the process of paying off $360,000 in debt. Proud of you and know I can do this.
Do you have budget for clothes?
@@NicolinaBruno we don't buy clothes normally. I wear scrubs snd uniforms. We just went on vacation and bought new summer clothes. Spent about $300 from our fun funds.
Love Jade, what a breath of fresh air! 1:44
I’ve been looking forward to hearing more about Jade’s debt free journey. Loved the tidbits she has shared in other Ramsey shows, and have been wanting to hear more! Super inspiring! Thank you for sharing Jade!
Me too
Watching this video just gave me the courage to pay off one of my CC’s. 2 more to go. Thank you ladies!
This gives so much hope! That was a huge debt, but you pushed through and got rid of it. Amazing story!!
@Mark Jefferson 😂😂😂😂
@Katie Franko 🤣🤣🤣🤣🤣
I am absolutely amazed at Jade and Christina. I ♥ their stories, determination, strength and enthusiasm. They paid around $61,000/ year on this debt ! I would love to listen to an indepth interview with Jade and Sam to hear more about their debt free journey together.
Thank you for sharing your story, Jade! I have a large amount of debt (mostly student loans) and I needed to hear your story to get motivation to tackle my debt more aggressively.
This was so good. I have been working on being debt free since 2020 and it has seemed like it's been forever but I'm glad I saw this clip it is so thank you both for sharing! I will be debt free!❤😊
Jade is so great. She's a pleasure to watch and to listen to. A great asset To Ramsey Solutions.
I love Jade! Love her energy, no BS advice. She's tough but gentle at the same time. Great team with Rachel ❤
Jade is an inspiration!
Totally inspiring and empowering . I'm a musician whose income "varies" (LOL). In 2015, we started the Ramsey baby steps, started a business. Today: Debt-free and grateful to live with less and give more. Jade is right on the money! Thank you for this!
I’m a musician and the arts are very expensive. At first, I didn’t understand that kind of debt, but Jade said that she was in the arts. I also did side hustles. I’m debt free too. It’s just a shame that she had that kind of debt. However I’m glad her family got out of it.
Jade is one of my fave Ramsey personality. She is sassy, direct but polite and she's just so cool :)
I hadn't listened in a very long time. One day I saw a clip come up for the show and there was a new person. I thought: Hey, what the heck, I'll listen. SO GLAD I DID. Jade is the perfect piece to the DR puzzle.
This was amazing. I didn't want it to end.
This is awesome because many people might have tried to solve this through bankruptcy. And thanks so much for sharing your real 7 1/2 year timeline!
@Katie Franko that's so long Katie.. it only took me 5 1/2 hours to pay off my 200k debt. You're obviously being scammed
Like Dave did but Jade's a stand up person with balls unlike him
This is so good! I love that you touched on celebrating little milestones. I’m currently working the plan and still have a ways to go. The other night I allowed myself to get an affogato from a restaurant. After, I felt revived and ready to get back at it.
I am glad you guys did this segment, I have been wondering what Jade's story is. It would be great when a new personality is on board if we could get their journey! Thank you for sharing.
This was wonderful. Jade is inspirational. “Learn to be content” best advice
I know I'm late, but seriously the debt free screams, & the stories, make me cry happy tears! My only debt is my mortgage, I'm in for the long haul. ❤
"Dead is our thief." Amen!
Debt is definitely a thief.
Wow! Great testimony Jade, AMAZING!
Be content and don't compare. No ego and pride
My girls 🙌 Jade and Rachel!! ❤ love you ladies. God bless.
That's so much paid off! WOW!
That "Ask me about my side hustles" 😂😂❤❤❤❤so adorable , she is really cute!
Great interview! Way to go Jade!!!
Jade is awesome! Great episode!❤
I love how different all of the Ramsey personalities are. There’s something for everyone and something special and different that each of them brings! It makes the advice relatable and goals within reach
Anger is a secondary emotion. It’s never the first emotion. It’s a response to fear. It’s absolutely true to say you’re scared rather than say you’re angry. People get angry because of something or some scenario they’re afraid of.
If you are angry, ask yourself why you’re angry and you will find yourself describing what you’re afraid of.
I love jade! It’s like looking @ myself ! She is a asset and a fresh breath of air!
Love your show and of course the Dave Ramsey show as well! Paid off our car loan (our last debt) in January this year🎉 Did not really follow baby steps in order, but we were able to buy a house back in 2020 (which I’m glad we did), with such low interest. We put down 20% and got a 15 yr mortgage. We are debt free except for our mortgage. Our goal now is either pay off our mortgage as fast as we could, or just keep on saving since we are also planning to buy a rental property.
Sold our truck and used the 22k we got from the sale to buy an older car with no payment and used the 5500 we had left to pay off 1 credit card. We then looked at our interest rates and moved some debt around. We had a card at 18% so we moved it to a heloc that was at 8%. It didn't pay off that debt, just moved it, but saves all of that interest. Also we were already paying the on the heloc and the payment doesn't change so we freed up that extra money that was going to that card and can now throw that to our smallest card.
So legit of a show…part 1 & 2!! So practical and relatable! Ty Ramit! ❤
Awesome conversation!!
Very motivating!!
Jade is an excellent addition to the Ramsey team.
Jades awesome, such a good addition to the team
Please more podcasts of women and especially single divorced women who share their stories!!
Love This Beautiful Black Women Jade...Dave knew what he was doing when he hired her. Good Job Dave!
Why are you putting emphasis on her skin color?
@Alexandra Franks if that's how GOD made her then...nothing else to explain Youngin.
@@carnivore_princess chill. I am sure they said it with lot of love and respect. 🎉❤
@@carnivore_princess and why are you making an issue?
@@metaltera86 all I'm saying is the person could've just left out "black" and just put beautiful woman instead. You don't need to describe someone's race to compliment their beauty.
Great conversation!! Love you both, and would love to see more of you two together.
Great conversation and so inspiring!!
Fantastic interview. I love to cook gourmet meals too. We love to eat at home. Awesome!
Oh I just love Jade! Ad then Rachel! Perfect combination!! Thanks ladies! ❤❤
@Mitchell Donald hmmm I've seen these comments over and over and over and over again here. Desperate for scams, huh?
@Katie Franko Katie, you're obviously getting scammed😂😂😂😂
Well done
I started the debt snow ball October 2022
So far I paid off 25,000 dollars
I am almost there.
I cannot wait to be debt free.
My goal is to be done by the end of 2023.
I listen to Ramsey show every day while driven to work.
Make it happen you got this! 💪🔥⚔️
If you don’t mind me asking, how old are you?
I’m going to need a cookbook from Jade for these amazing “reward meals” she talked about, because that sounds like a fantastic low budget reward idea, but I don’t even know where to start!
Love Jade! Great addition Ramsey fam ❤
So proud of you both
Amazing story Jade!
So so good! Thanks both of you fol sharing so candidly 👏
Wow jade went through a lot I follow Dave advice since I was 29 years old I wish I would her of David earlier now I am 31 dept free and investing a lot of money for 2 years and traveling the world thank you Dave Ramsey 😊❤
Whew, while I’m here still struggling struggling with 30k debt
I love this ❤ Jade, you're awesome
She’s so awesome! Love Jade!!
Nice vid and great job Jade.
I’m very blessed in most ways, no debt and set for year’s financially… But this is amazing… I can’t imagine how much that took out of you.. I can’t say I would have that same energy at the moment
@Katie Franko oh Katie, you're being scammed. 2 weeks is too long for that! 😂😂😂😂
Wonderful show!
Contentment is key 🔑
Dang, I looked her up for her singing. She is Amazing!!
All this does us make me want to cry. 😢😢 I have had one emergency expense after another so I have not made a dent in 18 months.. Plus I'm disabled and can 't do anything "gazelle".
I hope we get video of Jade singing at the battle of the bands or whatever y’all call it lol
Way to go, Jade and Sam!🎉❤
Amen. 🎉. It’s a possible God is good. Thanks for your story & journey Jade 💗
I am so happy Jade is on the show. Her story is incredible!
Great job Jade!!
She’s awesome❤
I wish they taught more about debt management in schools. My husband and I learned through life and it took us a lot longer but we did it. It took me 15 years of working retail to pay off my kids three years each of their college.I wanted them to have a good start. Better than us. We did become debt free till our 60s. I’m still worried about inflation in all areas of life.
She is so awesome!
I love listening to Jade.
I love jade !!! Love from Argentina!
Soo insightful!
Needed to hear this! ❤
Come on Jade, Amen!!
i really like the learn to be content. so true!
My takeaway: My problems aren’t that bad. I can make it through whatever it is
Please ask me about my side hustle 😂😂
Jade and George are the best personalities.
Great video, thank you for sharing.
This is so awesome!
A lot of people hate Dave Ramsey but when you understand and get into the discipline with the core concept we become free and unstoppable
He is a con man.
I love love love Jade!
Jade's a sweetheart!
Extensions looking good Rachel. Love love Jade shes my firm favourite now