Rich People “Ask How Much?” Poor People Ask “How Much a Month?”
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- Опубликовано: 6 окт 2024
- The Ramsey Show (October 24, 2023)
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Before I purchased my car, I read every word of every document before I signed the contract. An employee in the business office asked if I was an attorney. I ended up paying my car off three years early instead of being obligated to the 5 year contract. 😊
Because you took the time to read every word, you learned of the "obligated to the 5 year contract" phrase. Good job.
If you pay cash for a car, you don't need to sign anything.
@@Nigriff yes, that is my futuref plan
I sure wish we could get students to read and understand their student loan debt.
What does reading every word have to do with paying off a loan early? If that is the case the only word you need to have looked for was prepayment penalty.
You could have read every word and still paid off in 5 years. You could have read every word and paid off in 2 months.
Call #1 - with the roofer. I've said this before. When you are not satisfied with anything having to do with construction and businesses, report it to the state licensing board. They follow through and they will investigate and not only make life miserable for that individual, they will get him in trouble if he is not doing everything legitimately above board. Bad reviews on social media are also effective.
If you sign a document saying you will pay and then don't pay, the state licensing board will punish the victim who didn't get paid?
Also make sure you pay your contractors when they do good work for you. And leave them good reviews. Balance.
Agreed. Half the battle is finding out the right licensing board to report them to. Once they start investigating it the person will very quickly try and fix the situation. I had a mortgage broker fail to refund me for over 6 months. Until he was under investigation for fraud. Then he refunded me real quick. And he begged me to tell the state I received my refund 😂😂
She should have dropper his company name on that call
Love Jade and Dave when they team up...great combo.
Colton has the energy and passion that any and all businesses should strive to find. I hope him the absolute best!
Z8😅d😮😮4
Colton is a gem. I hope he is seriously appreciated in his job. CONGRATULATIONS to him. 🎉
When parents and teachers refuse to say "no" to children, they never learn to say "no" for themselves and don't take accountability for their actions.
For the record, teachers know how to say “no!” It’s parenting that’s changed the most.
After all these years I STILL LOVE your opening song!!! 🎵❤️Please never change it!!
They DID change for a few years. "Baker Street" disappeared from the show.
@@davidb2206very interesting indeed
LOL! Every once in a while I add a comment that begs for a new song! They are ruining it for me. Overused by a mile, IMO. I bet they pay a pretty penny to use it. 😊
@@tmusa2002 Dave might pay for that song, but he can afford it and pay cash! That song is iconic and they need to keep it! 🎵
@@Curious-Lass okay! I immediately skip as soon as it starts. You keep listening tho! 🙂
Hey everyone! Since i started following The Ramsey show I've been a member of this amazing society of investors for a while now, and I can't articulate how much it has transformed my life. We're not just here to earn money; we're here to uphold one another, grow collectively, and rejoice in every stride toward our financial aspirations.
Your words really hit home. I'm talking about Mrs. Bianca Faye Lindsey, the expert. She's more than just market insights; she's helped me grasp who I am as an investor. I've discovered my path, and my portfolio proves it. Together, we're not just trading; we're shaping our futures. Here's to making wise moves and sharing our real successes! 🚀💪💰
Damon, your story is inspiring. With Bianca's guidance, we've learned discipline, resilience, and the importance of continuous learning. Let's keep growing as investors and supporting one another for lasting success. Cheers to growth!
Even though I'm not a subscriber to this channel, this isn't the first time I've heard about Mrs. Bianca. I've heard her dedication to her clients is remarkable, and she doesn't just analyze market trends but also listens to her clients' concerns. Unfortunately, I have no way to reach her or get her attention as she's mostly booked.
Please How do i get to her i really need her services ?
Her training program has truly opened my eyes, and I'm genuinely grateful to have been a full-time participant in her daily signal service. I've been steadily growing and have boosted my portfolio from 1.5 BTC to over 5.5 BTC using her daily signals.
I think it’s very responsible of Ramsey to not accept credit card on their website. It shows they really believe in what they are saying. Most financial influencers would take your money any way possible
Plenty of commenters who have tried it said that the site does indeed accept credit cards. It make no distinction between debit and credit. The wording simply asks for "debit."
@@myoldvhstapes we’ll that’s disappointing lol. I was wondering how they even would do that short of making you input a PIN
@@BradDiBenedetto Yep, too good to be true.
I bought the John delony books and the QFH cards with a sofi card SOFI!!
I wonder if they are aware that it's accepting credit cards ... Or if they're able to actually prevent credit cards from a tech perspective? Might be that they saw they don't accept them but actually can't block that feature if they accept debit?
The issue is people are expecting their parents, friends, kids, and GOVERNMENT to take care of their problems.
Social media is one of the main roots of many problems going on these days. Some state AG’s are suing Meta 🎉, for the kids, but a fantastic first step
I once had a dentist mess up my bite with invisaline - it was gunna take years to fix and i asked for a full refund and she refused. I posted a scathing book-long review on yelp at all of their locations - a week later they offered me a full refund of $3,500. I took it and went to a real orthodontist :) Reviews can work, depending in the business. Theyve since been bought out so Im glad I did it then.
Did they make you remove the post as a condition of the check?
I am not rich just out of debt.But it is so very satisfying to be able to finally just say, "how much?".
Love this show.. I googled the bible verse about the warrior. I found it ...“If a man has recently married, he must not be sent to war or have any other duty laid on him. For one year he is to be free to stay at home and bring happiness to the wife he has married” (Deut. 24:5).. Mainly back then was probably for the wife to have an offspring in case her husband died in battle. Either way, life is too hard, adjusting to each other the first year living together can be challenging. It reminds me of pre - k, learning to share and waiting your turn on playing with the next item..
Have an offspring with the possibility of your hubby dying in war? Back then? When there was no life insurance? So you can STRUGGLE AS A SINGLE MOM! ? Lol. Yea no.
...Google the ones condoning slavery and keeping the virgins for yourself after you genocide their family...
Dave talking about people getting caught up in buying a new car because they had money because they weren't paying their bills or student loans and getting subsidies from the government during covid almost sounds exactly like the conversation i was having with someone about people in same situation who decided to adopt pets and now the humane societies and rescues are overly full because people returned the dogs or cats now that they went back to work and no longer have time for those pets. Stupid!
The poor animals don’t deserve it either.
A lot of people in general are dumb and act on impulse. They never think ahead which is why they make decisions that don't play out long term.
I have consistently watched this show since 2019, and I’m glad that I continue to learn new things from Dave. I knew the “credit boost” must’ve had a catch. I’m glad this topic was reviewed today.
Ok
I’m offended..“and I’m supposed to care“ 🤣🤣🤣 -uncle Dave
Last call with the women who is buying a house and wants to know what the boyfriend should pay towards expenses - All of these complicated live-in relationships really lead to problems when people are sharing costs and then deciding who owns what. I wouldn't buy cloth furnishings used, but I'd buy wood furniture in the thrift store where you can find some great deals. Dave is right that live-in relationships generally turn out worse for women than for men. Over and over on this show women call in with sob stories because they did not prepare to support themselves if needed - and they always blame the men, rather than recognizing they were responsible for choosing a loser. Don't know why women never figure out that if the milk is free, why would someone buy a cow?
Also, birth control is an absolute necessity when you are not married. ..even AFTER you are married until you have saved at least $10,000 for daycare, baby expenses..find out what your noninsurance covered hospital costs per baby would be. You would have to be SO ignorant of the news to not know this.
Abstinence
Because why take the whole pig when you can get the sausage for free?
And the common opinion is to move in before marriage. My experience taught me to wait. You can see how someone lives without fully moving in. I just think there are more cons than pros moving in before marriage.
@@Joce123my grandpa used to say the same thing, why buy the cow if the milk is free.
Usually if one truth is in conflict with another truth *NEITHER* of them is the truth, and the real truth is somewhere in the middle.
37:50…. I don’t like you Dave…. “Well I wasn’t running a poll😂😂😂😂😂😂”
I love Jade and Dave as cohosts.
You’re spending like you’re in congress 😂 - ramsey classic!!!!
Dave is right.... Not having seen the Wizard of Oz, well into your 30's, is just wild
The girl that bought the house without furniture why not comb Facebook market place to buy and get gifted things for the beginning??
Marketplace is sketchy for anything im going to sit or lay on (ie bed bugs) so id personally go to a scratch and dent or 2nd hand store where there's a base level of certainty im not bringing something harmful into my home.
Definitely don't buy new though
The roof lady likely left some of the conversation out. I know as a business owner I have had people try to get me to commit insurance fraud by charging the insurance company for work that doesn’t necessarily need to be done and then promise to give me the extra money after they pull off the insurance fraud. why would one company be charging $12,000 extra to do a roof on a home? She conveniently left all of that part out.
I appreciated your thoughts on the guy with the elderly parents thinking of buying a house. I’m 75 buying a house, cash $450 so I don’t have anything “tuggin’ at me. Good advice.
I love when Dave pulls out his Cartmen voice 🤣
The caller that called in from Columbia SC needs to tell her husband to find a different company to drive for asap. She said he doesn't doesn't own the truck but has to pay for the fuel and repairs. He's getting screwed please please please get out of that truck TODAY. IVE DONE IT IVE BEEN THERE. It's not worth it especially with these rates and fuel prices he probably isn't even making 100k a year
Somebody make sure Jade watches the Wizard of Oz
That was SO funny!
The story is really interesting. Frank Baum never intended it to be a children's story. It really came out of his own life and misfortunes when in 1888 the Midwest had one of the most serious droughts and the Baums, who had just moved there, were faced with bankruptcy. The original book is quite different from the movie, but it makes for interesting reading to look up the story of the Baum's life and why he wrote the story.
She is not alone I didn’t watch it either 😂
I've never seen it either! LOL
@22:00 congrats Melissa and Aaron!! Way to represent the 603!! My hometown is Alton- you guys must be around there somewhere!!
The problem with being poor is we didnt put ourselves there . Were born into poor families in poor neighborhoods and its hard to get out.
I had a tree company try to charge me $300 for giving a dead tree vitamins without my authorization, so I wrote some stuff with black marker on their invoice and sent it back to them. Guess what I said! 🤣🤣🤣 I hadn’t signed anything though.
First caller - if you sign something saying you will pay a fee if you don’t move forward with their services are you not obligated to pay? Don’t you always say to pay your debts if you signed up for them. The roofer can be scummy but still be owed money. Both things can be true. The lady made a crappy decision to sign the document saying she’d pay a fee and now she doesn’t want to pay the fee?
Dave mentions Gen Z, Millennial's and Boomers....but us Gen X'ers are left out LOL.
I agree.
Fine with me, leave us out of those conversations! Haha
I don't think it was intentional. You are an important demographic too.
Smart of you to have taken advantage of the 0% pause on student loans.
Enjoy watching this show!
Love your hair Jade!
I like her natural hair a lot more than the braids, too - and she doesn't fiddle with it as much as she does with the braids.
@@Trustbutverify2651 Youre bothered by someone fiddling with their own hair? -____- That is absurd wth.
Erin and Melissa impressive! Mind blowing how she stated to the cents the debt they paid! They proved how the savings helped them through the worst of life. I love the way they live so simple congratulations!
I love when the debt-free screams are from the pit of the stomach, hard not to get caught up in their emotion.
Love the idea of being generous as part of the vision!
I’ve NEVER seen “The Wizard of Oz” either but I’ve definitely seen “THE WIZ”
New to baby step 3 after 9 months. I feel like i am so far behind but im only 30.
Some married couple make sure everything they own are "separated" while others make sure they are "together". Guess which couple will work harder to make the marriage work and have a happier married life?
The ones who are so tethered together financially that out of fear they put up with all kinds of abuse just to stay married and."work together"..EVERY LEVEL OF INCOME..behind closed doors, cheaters, anger issues, ..nope. Marriage isn't for every relationship.
Some couples also invest very differently. I think the trick is to be open about all finances. The problem with separate finances for many couples is they keep what they are doing in their separate accounts secret.
@@Joce123 Marriage is definitely not for everyone because not everyone have relationship and communication skills to last in a relationship. But when people choose to marry, they should do it as a team. If you don't trust that person, why trust that person enough to marry and sleep with him/her?!?
@@Trustbutverify2651 Right. If people want to say "this is mine, mine, and mine" and not ours, ours, and ours, then don't get married. Be single and keep all the secrets one wants.
Im in agreement with Dave’s recommendation to caller #2. Wait a year, after you’re married to buy a house.
Pastor and his wife are working part-time - why are they assuming they will not be working at all when they retire? I am "retired" but still working part-time and will continue as long as I can. Housing is a BIG problem for people in the ministry that have had housing provided for them as they can find themselves with no home when they retire and no ability to pay for one with a reduced income. Ministers should insist on a housing allowance, rather than a parsonage. One of the major reasons is that taxes are completely different for ministers and retired ministers than for non-clergy. Clergy do not pay tax on their housing expenses, which include all items related to the home like home insurance and even pest control. So a minister who has a salary of $70,000 but can deduct housing expenses of $25.000 pays income tax only on the remaining $45,000. The rules change somewhat for retired ministers which is a reason ministers should not be in any fly by night house church, but in a church under a specific denomination so he can get the same housing break on taxes in retirement. This is a point that either Dave does not know or he should have brought it up - and the major reason the pastor should buy a house now to be able to write this off for the next five years, a huge savings for someone on a limited income. You would not believe the pastors who try to do their own taxes and are completely unaware of this tax break! Not even all tax preparers are trained to do the taxes of the clergy correctly and get all their deductions.
I appreciate you bringing this subject up. Just the costs of living increases are high. They raised my mother's rent at her assisted living by $250.00 per month with a few months notice.🚩 praying for you brother. Thank you for helping us.
If I was 70 no way would be buying a house unless full cash.
@@p.sherman3158 You missed the whole point. It is absolutely the best choice for him because he can deduct ALL of the costs of the house from his MAGI and pay taxes only on what is left.
Ministers need to save foe retirement too and save for a future home purchase.
I didn't say they didn't - of course they do. It's just that it is a lot harder to buy later in life when you've had a church that thought that part of your "salary" was letting you use a parsonage. Pastors should refuse the parsonage and ask the church to give them a housing allowance and that way they can buy their homes before retirement like everyone else.@@brucefredrickson9677
Funny how he calls it Biden bucks when we got two rounds of stimulus under Trump
Exactly!
Yup! I was waiting for this comment
*one round of stimulus under Trump and one under Biden
@@amireallythatgrumpy6508 Incorrect, just look it up. Point is his bias shows a lot.
I guess he forgot the stimulus checks were delayed because Trump wanted his signature on the checks.
I think that may have been the greatest debt free scream I've ever seen!! Woohoo!! 🎉
And if that extra money you DON’T spend just sits in your higher % savings account then you DO make money!
RE: the roofing situation. I would ignore the collections and ignore the roofer. Not worth her time or stress. Forgive, forget, and move on. If the rest of her credit is good, won't make a dent.
Just because some would want to get 1% cash back, does not mean they will spend more just to get it.
That's an old tired argument.
It’s the pain factor. Credit card, debit card…folks spend more when it’s not physical bills in one’s hands.
@@dianeathoacardinalridge8788 All of those studies were flawed.
In the fact that whatever you spent of a fake credit card. They were not even using real money. Or even buy a real product, it was fake.
All the screams should be like this. You only get one scream on the show 😂
I constantly shop pawn shops ,Great deals on tools and such , Especially vintage guitars I'm step 7.
I'm 63 yrs. old and I've also never seen the Wizard of Oz.
Maybe you and I Jade should watch it together!
I just turned 50. When I was a little girl, it was common to have the movie playing on TV at Christmastime. I don't think I actively watched more than a few minutes because it was too strange. My spidey sense went off.
There is a lot of symbolism in the movie.
I never liked it.
1:26:13 Shawn you are smart! You can do this!
Use the bluff. The best way to get dirtball contractors off your back say: "Let me contact the state attorney general's office and see what they say". That will get them to back off. Worked with a furnace contractor that didn't want to honor the 10 year warrantee. Got my furnace fixed for free.
I have called the AG on someone too. Worked like a charm.
Amy - buy 'scratch & dent' appliances & furniture. Avoid 'used furniture' - ( bed bugs , urine/vomit stains)
Used wood furniture is fine. It's the upholstered stuff you need to avoid.
Hubs and I bought a brand new fridge, stackable washer/dryer and stove (bought used at first and all broke close together ha) but got all for around $3k! You know why, we didn’t get fancy! So Amy from Charlotte, can totally buy these three things for that and also a good mattress can get for like $700 for a king. So they $5k Dave was saying to use, you can make that money go far girl 👍
I bought appliances in the scratch and dent section. Got a beautiful stove for a third of the price because it had a chip in the enamel. Minor cosmetic flaws don't change the efficiency of the appliances.
Let this be a wind of caution for those reading this thinking about buying a house broke.
Firstly, I don't regret my decision because at least I have a roof over my head, but do I acknowledge it was poor decision making, yes.
In January of this year, my rental house was hit by a tornado. It was terrifying the moment the roof was ripped off. Luckily, I had renters insurance, and the insurance company put me up in an air B&B for 6 months while my rental was being repaired. The thing is, I didn't want to go back. It was a very toxic situation, and it was taking a serious toll on my mental health. So I saw the tornado as the universe saying "Okay, I got you out. Now it's up to you to stay out. " As terrifying as it was, I was thankful. Fast forward and 6 months, I buy a house, I do something I am not proud of, and I will be paying dearly for it, but I take money out of my retirement to do so. I absolutely love the house. It's old as hell and outdated, but I wouldn't have it any other way. The day we (my boyfriend and I) move in, my air conditioner breaks, and the water heater goes out. I didn't have anything saved up to pay for this, I had already used all the money to do repairs on the house so that I could get financing for it. Luckily, it only took a couple hundred to fix the a/c. Oh, the house didn't have appliances either, or they were broken and inoperable. So i went the first 2 months without a refrigerator and the first 4 months without hot water. The first month without furniture because I couldn't afford a uhaul to get my things out of storage. As far as the boyfriend, I ask him to pay the electricity, groceries, and our cell phone bill. That allows me to put my excess towards paying down debt. I pay everything else but I made sure I could afford it with my own income.
Of course, after I make this mountain of financial mess, I find Dave Ramsey, and I am slowly starting to see land.
Like I said I don't regret my decision because I have a roof over my head but it was poor decision making all the way around. Lesson learned.
Jade would dig on "Dark side of Oz"... Wizard of Oz with Pink Floyd's "Dark Side of the Moon" as the soundtrack...
Jade's hair looks so cute!
26:50 Erin!!! I have to borrow your saying.... Thank You and Best Wishes. ❤ 👏 🤝 🤗
Sydney Australia
Dave: im not picking on you
Also Dave: you're stupid😂
He admits he has DONE stupid - which is why he is trying to prevent others from DOING stupid. But he IS not stupid - and no one else is either. There's a difference between doing and being. Some mistakes in life are costlier than others.
@@Trustbutverify2651you may have misunderstood her comment. He HAS called people stupid on several occasions. Never to a caller directly that I’ve seen, but in referring to groups of people in general.
Of course, it’s also possible I misunderstood her comment.
Provide his business name and I'll go crazy with the negative reviews. I have nothing but time for people who are crooks!
Actually The Wizard of Oz is all about money. Gold and silver standard, etc etc.
I would call the insurance company and see if they wanted to fight the battle on the roof company, if not pay it and leave reviews everywhere.
Ohhh, so that's why salespeople will so often say "It's only X a month." They have me spotted as poor.
I respond "But the total cost is Y!!!! I can't afford that." Payments "per month" make the total cost a lot more, interest. Forget that.
Paid for my new/used car in full.
2010 Toyota Camry with 150,000 miles $9,000. but a friend of mine has a Camry with 200,000 miles and no problems. She recommended I buy it.
BTW I'd had an accident with my previous car and totaled it. The insurance money on that was $12,000. I MADE money on this deal. (Went onto my mortgage. I have no other debts. I'm only on baby step 2, saving $1,000 here and there.)
also, second time i am commenting . Dave's cover shot on his book looks really really GOOD! to me, it is a relaxed,average day person dressing casual and that smile and posture and the beautiful background scenery. It is beautiful and the book cover is appealing and im sure alot of people bought Dave's book. Thank you Dave and his team for your content ! Each of you are very exceptional in your own unique ways bringing invaluabe information and education. love from canada
Why must you use the term “Biden Bucks”? Please stop slipping these terms in.
I agree. He recently referred to the “Fauci pandemic” as if Fauci was responsible. The man dedicated his whole life to public health. Show some respect. It’s easy to Monday morning quarterback on COVID. Some measures taken may have turned out to have been unnecessary, but we didn’t know what was and wasn’t at the time. The government erred on the side of caution, which was the right thing to do with the information we had.
JT why are you trying to go 10-99 and not side hustling this as an after hours evening service ? Trying to escape a non-compete is a 🚩 for your current company and I would anticipate being fired when you ask.
For the guys talking about starting a business…. Big Wehales aren’t going to hire you with no experience running your business yourself
I’m 50 and my husband is turning 60 this month. We sold our house 7 years ago to afford medical treatment for our son. We have been renting. Our son is graduating from high school in two years. My husband thinks we’re too old to buy a house with any hope of paying it off and save for retirement. He doesn’t think he’ll ever retire. What does anyone else think? Is it too late for us to buy a house?
My vote is no it is not too late to buy a house. You're 50 and if you take a 15 year loan, you will only be 65 when the house is paid off. He will be 75, but the purchase of a small home you can pay off quickly will make your retirement much more secure (unless you're already wealthy.) I always point out on here that no debt and a paid-off modest house means you can live in retirement with a very low income. It is very difficult to face what can be a long retirement if you're still renting b/c rent will always go up, whereas a mortgage is the same price until it's paid for. I'm not one of those who thinks social security is going to disappear. It may be reduced, but it is politically untenable to take social security away entirely. The key for you will be to not overbuy on the size of the home. Just what you need for the two of you! Also, be sure to buy a home in which you can age - bedroom and laundry on the main floor, as few steps as possible, etc.
It really depends how your finances are. I know Dave always shoots down manufactured homes because they depreciate, but the newer ones can be very nice, and if it's paid off, then when yall pass the son will still get something. Just watch out for places where they keep raising the rent on the land it is "parked".
I say buy an affordable house that can be paid off in 10-15 years or less. Rent will always continue to rise.
@@Trustbutverify2651I agree with your idea 💯. I also do not count on social security in my equation. Great thoughts.
@@josephhood1591yes, especially in your own land. But, I'd echo the other commenter, layout is key. Must have all standard door widths and zero clearance to get inside so mobility aids will work.
🇨🇦 Im 75. Ive never seen Wizard of Oz, have never heard about a "flying monkey." Comin' to the party.🐒
Not trying to call Dave out here, but he absolutely does accept credit cards on his site. You put your credit card number in the part that says debit card and it goes through. I paid for John Deloney’s book with a credit card.
And I know credit cards are bad. You don’t need to comment to me about it. I pay the full balance every month.
Does your debit card have a visa logo
@@p.sherman3158 No, mine doesn’t. I didn’t use a debit card though.
Not all of us think credit cards are bad. I'm certainly NOT giving up mine - and I pay the full balance as soon as it posts (check my accounts daily.) Apparently they get people in a lot of trouble, but it seems to me that bad decisions on expensive cars get people in about as much trouble as credit cards!
It’s more so the fact that most people don’t have self control with credit cards so he tells people not to have them. A few videos back he mentions a lawyer that still had a credit card and always paid the balance, he say’s basically there are such a small amount of people that have that kind of self control; it’s rare. It’s great you pay it off every month!
@@kmay1201 One of the ways that credit cards have changed is that now the charges are posted very quickly. "Back in the day" when both Dave and I started using them, you had to wait an entire month to get your paper statement in the mail and see what you had spent - and sometimes charges were even for a previous month if the business had not sent them in quickly. It was so easy to lose track unless you wrote everything down. Now my credit cards and debit card both post electronically at about the same rate - two days later. I do not wait until the end of the month, or even until the end of the week. I check my bank and credit card accounts every morning and AS SOON AS something posts on a credit card, I pay it off and enter the amount into my Every Dollar budget. That way I never lose track of spending and I also get the benefits from the credit cards. Never have paid a cent of interest or a fee except the yearly fees for my airlines cards. I keep the airlines cards, even though they charge a fee, because I am older and can't lift a bag up into the bin in the plane and I also like a larger suitcase. I travel a lot to see the grandkids and my three airline cards give me a free bag each way (bag fees are now very high) and priority boarding. I've done the math and I come out ahead every year as I always get the cheapest airline tickets, and don't always use the same airline. However, I do understand that a lot of people have problems with charging too much - just like someone who drinks too much should stay off alcohol!
Why does he always say "Biden Bucks" when Trump was the one that sent them out?
Rich guys like Trump because he gave them tax breaks.
Trump sent out one round and Biden the other. They are both partially responsible.
Colton congratulation! I love how he was so precise… to the cent! To the 31 months. When I see this, stating the debt to the last cent means he has a hold of his money. I see people in the show that are so vague… not knowing exactly what they make or what they owe. I got a lot of work ahead of me.
I love watching these two together
My guess is Colton works for Wella, and they just got some free advertisement.
I can't watch The Wizard of Oz since seeing the biographical film about Judy Garland. The abuse she endured from the movie industry ultimately killed her.
Colton is such a gem
That last caller, I was also thinking air mattress! Even if she got an actual mattress, it would be on the floor
Why Dave not told lady contact credit bureau and fight charges as fraudulent rather than paying attorney
I once heard by someone wealthy, " if you have to ask how much, you can't afford it" What's your thoughts on that statement?
Not true. It's callec being informed and being smart.
1:31:09 One of the girls who worked there said they made $700 in a night? Does Shawn think drunk men will tip him the same way they would tip a female?
😂😂😂😂😂 sounds like a strip club, to me 🤷🏼♀️
I was thinking this too. 😂. But he did give a lower amount that he would make.
If you want to understand the way the world really works and explain the situation we are all finding ourselves, watch The Wizard of Oz and comprehend the message the movie is communicating. “Pay no attention to the man behind the curtain!”
S/o to Colton. A legit deft free scream! 🎉
Maybe the title should read “smart people ask how much?”, while stupid people ask, “what will my monthly payments be?”
1:10:11 dating budget 😂😂😂 i love him. Ma i have a car payment i cant afford a child
It's funny when Dave has to correct her on how debit cards work and she's like okay Dave
😂 She wants to be the know-it-all but can't be. She can only be the sidekick😂
Who knows if we die earlier than our parents...
No house payments (two houses), no car payments. Payments suck!
The reason who most lotto tickets are sold in poor neighborhoods?
Because more people lives in the city, then the suburbs. Lotto places are in the city.
Because more poor people don’t understand statistics than the others.
What does the caller mean when she says "we're having trouble staying in the flow"?
Jade should have researched on debit card question before jumping to say that you're still borrowing money..🙄
Love the hair, jade!!
As the boomer generation starts taking their mandatory withdrawals from the stock market retirement the Ponzi schemes that is Wall Street is going to unravel as the generations that followed the boomer just aren’t placing the same amount of monies into stock market type retirement, or much of any retirement for that matter. It’s going to be a huge mess as shares of great companies start to really lose value and become priced at real values instead of the inflated values driven my constant purchases of otherwise normal shares.
Babyboomers are 1946-64 - they have already been pulling money (retired for years!) or dying. Unless the jab speeds this up I thing it will happen slowly over time
@@jennymeyer982 mandatory dispersant for boomers started in 2016 and will continue until 2034 by your math. So we are about halfway through the problem. The thing is this is the kind of problem that has lag for many different reasons.
Erin is not the male spelling. Aaron is male. 😮
Colton gives me hope in the future.
I didn't catch where Colton works.... did anybody get that? Sounds like an awesome company to work for!
Yes--100% responsible for choices. Choices don't happen in a bubble though--I don't think they appreciate that people know what they live....
is the debt free scream only for people who pay off their house? or do people do it after Baby Step 2? Baby Step 2 has been long for us!! We are getting close!!
People do it after baby step 2
Both!