Don’t Let a Good Reason Become a Bad Excuse | July 22, 2024

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  • Опубликовано: 14 окт 2024
  • The Ramsey Show (July 22, 2024)
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Комментарии • 231

  • @jeremiahsmith450
    @jeremiahsmith450 2 месяца назад +106

    John Deloney is at home watching this kicking himself he can’t ask this first caller if she’s safe 😆

  • @JessicaNewell-d2q
    @JessicaNewell-d2q 2 месяца назад +2

    Happy Birthday Ken!
    I hope you do another cruise, I don't have a debt free friend to grab to come - but I will next time!! 😊

  • @GabrielSather
    @GabrielSather 2 месяца назад +7

    Ok, this got me fired up! That caller was right about getting started with having children as early as possible!!!!! Especially if they want to have 6 kids! These days, fertility is a MAJOR issue, and the rate declines significantly as a woman ages, even at the age of 24-27! Debt is definitely important, but this issue of having a family is as important if not more so these days. The stability of this country is based on having strong, solid, healthy families. And after that, stay out of debt the best you very well can, for goodness sakes!!!!!! I agree with Jade in that, get started now, but plan along the way to reduce your expenses and pile up the money so you don't have to go into debt! Way to go for wanting an amazing, large family - LOVE it!!

  • @dustydonna
    @dustydonna 2 месяца назад +10

    Happy birthday Ken!!! I'd go on the cruise just to see Ken. He's the best!

    • @isidorolopez265
      @isidorolopez265 2 месяца назад

      I’ll be fair to you, my man Ken happy birthday to you man. You look great for your age dude fantastic. Keep up the great work. God bless.

  • @ClutchSling
    @ClutchSling 2 месяца назад +10

    Law school wife is freakin insane! She’s fallen in love w ideas rather than being realistic about what is

    • @ellea2541
      @ellea2541 2 месяца назад +2

      She'll call the show in 10 years to say she has 5 kids, $200K in debt, despite $300K salary and she can't breathe.... Sighs

  • @kristencampbell5533
    @kristencampbell5533 2 месяца назад +12

    Totally agree with Ken's 2 questions that leaders should ask their direct reports every week. How are you doing? How can I help you win? Spot on.

  • @16338284
    @16338284 2 месяца назад +5

    Hi! I am a Latin American living in the United Arab Emirates. I have been listening to your show for months now and have learned so much. Thank you for sharing your wisdom. I wonder if you offer financial coaching and advice for us expats who need to get smarter with finances as we handle our funds in multiple currencies?

    • @evasanz3466
      @evasanz3466 Месяц назад

      Básicamente es lo mismo... Vive con poco, ahorra mucho e invierte. Si tienes la ciudadanía de USA invierte en USD. No te compliques la vida con multicurrencies...

  • @bmbb608
    @bmbb608 2 месяца назад +17

    Surprised Ken told her to wait to have kids. We don't usually hear that advice! I agree with Dave on this topic

    • @mike112079
      @mike112079 2 месяца назад +2

      Why are you surprised? Did you expect them to tell her to go into debt?

    • @ЛюсяВ-я8к
      @ЛюсяВ-я8к 2 месяца назад +3

      Kids don’t make you go into debt. I have 4 and we have been able to be debt free the whole time. That advice was so off. And moreover life isn’t just about money.

    • @coachclaudiawith_hope
      @coachclaudiawith_hope 2 месяца назад

      Yeah, he stated “for this case,” because law school is not your average expense. Due to the unknown, Dave would have said make him pay for law school in cash and get pregnant. She was assuming that going into debt was okay. They can’t afford law school therefore, they should prepare for one or the other. Tuition just increased in 2024.

    • @Aquaria2291
      @Aquaria2291 2 месяца назад +2

      ​@@ЛюсяВ-я8к she was planning to borrow to afford everything.
      Dave probably wouldn't have told her to wait to have kids on principle, but he probably would have told her to come up with another plan that won't rely on them taking out debt.
      Sometimes, that really does mean that you wait and save.
      That's a part of family planning.

    • @Brickswol
      @Brickswol 2 месяца назад

      @@Aquaria2291And a clever thing about Dave framing it in such a way (it’s funny that we just know how he talks and what he would say) is the person will likely come to that conclusion on their own if it’s true for them.

  • @monicadhenderson8670
    @monicadhenderson8670 2 месяца назад +23

    Aint nothing wrong with wanting 6 kids!! It was 6 of us & today Yahweh Bless me to birth 2 & bonus 4!! Im sooo happy I got 6 kids!!! Enjoy 😊

  • @sweetfayce18
    @sweetfayce18 2 месяца назад +22

    First caller. DO NOT TELL ABUSIVE HUSBAND "YOU'RE LEAVING " . Ken, that's not wise.

    • @alleykeosheyan4779
      @alleykeosheyan4779 2 месяца назад +2

      Depending on the law in her state, even though his name is not on her house deed, she may have to go through "legal eviction" proceedings, which can take days or even weeks.

    • @rosedewittbukater5763
      @rosedewittbukater5763 2 месяца назад +2

      I bet she was the abusive one

    • @jaymen833
      @jaymen833 2 месяца назад

      ​I think the same thing bro, and I bet that she never disclosed that she had dept before she got married​@@rosedewittbukater5763

    • @judykeown
      @judykeown 2 месяца назад +5

      I wouldn’t want him in the house alone with my stuff still there. He could take her important paperwork and damage the house in some way.

    • @LizA-xh9jp
      @LizA-xh9jp 2 месяца назад

      Why would you say that​@@rosedewittbukater5763

  • @chillmane2703
    @chillmane2703 2 месяца назад +6

    Can’t wait for Dave’s reaction to Ken’s response to Valerie. Getting my popcorn ready 😂

    • @personaltrainer1
      @personaltrainer1 2 месяца назад

      I doubt Dave will say anything negative; he and Ken are old buddies.

  • @robertrosiello6507
    @robertrosiello6507 2 месяца назад +11

    I would love to see Ken and Dave pictures after the cruise dressed up as Gilligan. And the skipper.

    • @elway423
      @elway423 2 месяца назад

      Ken would be Gilligan

  • @jeremydenton8398
    @jeremydenton8398 2 месяца назад +2

    Valerie (Law school wife) has made her mind up to do what she wants. We planned to have 2-3 kids and ended up having 9!! Family planning doesn't always go according to your perfect little plan. You might plan to have 4-6 and have only 2. Never know.

  • @AuntGrace
    @AuntGrace 2 месяца назад +9

    😮First caller. You’ll should have leaned in more for her safety. You only said it at the end. She can’t say those things to him alone. 😟

  • @dontbeacrabgetglad
    @dontbeacrabgetglad 2 месяца назад +6

    I love the show generally, but it is so inappropriate for Ken to react so aggressively and tell that woman not to have kids and wait for years... That was just such an overblown reaction, and we should be encouraging people to have kids not the other way around. I understand the importance of being financially stable prior to kids but he should have framed his response more like that instead of freaking out. I know too many girlfriends who have waited too long to have kids and cant have them anymore.

  • @lorieslater4372
    @lorieslater4372 2 месяца назад +4

    The caller with the mother who wants to do a reverse mortgage: if the house currently has a mortgage, when the reverse mortgage closes, the money from the reverse mortgage first goes towards paying off the current mortgage.

  • @savanah1407
    @savanah1407 2 месяца назад +3

    Happy birthday, Ken!🎉🎉🎉🎉🎉

  • @colleengarcia7752
    @colleengarcia7752 2 месяца назад

    High interest rates are very motivating. Moving debt to a lower interest rate makes you feel better and the motivation to pay it off dissolves slowly. I speak from 2 times experience.

  • @Bernadette_Lewis
    @Bernadette_Lewis 2 месяца назад +3

    Happy Birthday Ken I hope you enjoyed your day ❤

  • @theallencompassingchannel4231
    @theallencompassingchannel4231 2 месяца назад +6

    Jade has got to be the most beautiful mathematician I have ever seen

  • @ReformedFamilyWorship
    @ReformedFamilyWorship 2 месяца назад +3

    Ken gotta stop shrinkin’ everyone when they call for financial advice not personal advice. I love Jade’s level-headed responses that actually help the caller with real solutions and not life opinions! 😅

  • @reneespring834
    @reneespring834 2 месяца назад +6

    Zach from Indy!
    For the fire insurance, get a private adjuster that works for you! You can double, triple, quadruple the benefits if you have someone who knows the system and can work for you.
    We had trees fall on our house, and the private adjuster was a huge benefit, there is smoke and water all over your house, a lot going on, get professional help.

  • @rosedewittbukater5763
    @rosedewittbukater5763 2 месяца назад +19

    Ken telling Valerie to not have kids until they have enough money is 100% against everything I've heard from this show in a decade. I hope he gets a stern scolding

    • @curlsncoilsnwaves7324
      @curlsncoilsnwaves7324 2 месяца назад

      Exactly!

    • @KS-zg2le
      @KS-zg2le 2 месяца назад

      Yes!!! Thank you!

    • @mike112079
      @mike112079 2 месяца назад +2

      No, his advice was good for her! She was clueless!!!

    • @ЛюсяВ-я8к
      @ЛюсяВ-я8к 2 месяца назад +3

      Yeah, that advice was crazy. Wow. I’ve never heard Dave Ramsey be anti kids. I think the way Dave would have answered it would be, “work like crazy and save a ton until you have babies, but don’t go into debt. And then have kids and enjoy being a mom. But don’t go into debt!!!”.

    • @Brickswol
      @Brickswol 2 месяца назад

      Yeah, that was hard to listen to.

  • @cherylknight8239
    @cherylknight8239 2 месяца назад +6

    HAPPY BIRTHDAY KEN, 🎂 🥳 🎉 🎈 🎁 🎊 ENJOY YOUR SPECIAL DAY!!!

  • @theresauzenski5173
    @theresauzenski5173 2 месяца назад +2

    On the call from Valerie, once again Jade was not listening. Didn't even know it was the husband going to law school.

  • @alexisballard1459
    @alexisballard1459 2 месяца назад +26

    Valarie DEFINITELY called the wrong show today, my frustration was right there with Ken 😅 all this baby talk but doesn’t even know what the final monthly income will be with his career

    • @jonathanl5638
      @jonathanl5638 2 месяца назад +5

      did you notive she never said what she does for a living ha ha i already knew the anwser

    • @johnparker4484
      @johnparker4484 2 месяца назад +2

      Do you understand what the point of getting married is?

    • @L.T.-ed4cp
      @L.T.-ed4cp 2 месяца назад

      Actually it was out of line and overly judgemental, but ken is probably sore from being pegged last night by his wife as a birthday surprise.

    • @jonathanl5638
      @jonathanl5638 2 месяца назад

      @@alexisballard1459 this is why a man should never marry. There is no benefit for men to marry.

    • @jonathanl5638
      @jonathanl5638 2 месяца назад

      @@alexisballard1459 all marriage is a business transaction it's all about money no such thing as love.

  • @rose_6400
    @rose_6400 2 месяца назад +32

    Valerie thinks she's going to live like a Kardashian, big family and a team of nannies..lol

    • @jonathanl5638
      @jonathanl5638 2 месяца назад +5

      if i knew her husband i would tell him to divorce here immediately

    • @sweetfayce18
      @sweetfayce18 2 месяца назад

      😂😂😂yess​@@jonathanl5638

    • @rosedewittbukater5763
      @rosedewittbukater5763 2 месяца назад

      Wtf?? No she doesn't

    • @jonathanl5638
      @jonathanl5638 2 месяца назад

      to me she sounds like the type who would put pin holes in his comdoms so she gets pregnant and also flushes her birth control pills and lies that she took them. shes devious and cant be trusted definite curb material

  • @brooklynkelsey703
    @brooklynkelsey703 2 месяца назад +11

    Aw Valerie have kids when you want!! That was terrible advice from Ken. Just do not get into debt. Get a job that will give you maternity leave and work whenever you can. Don't put off having kids, just be responsible with your money. Obviously kids are super important to you and it's possible to have kids and not get in debt!

    • @ЛюсяВ-я8к
      @ЛюсяВ-я8к 2 месяца назад

      Yes! Absolutely. There’s a way to have kids and not be in debt. Ken and Jade’s advice was so off.

  • @Nardaa-ox3be
    @Nardaa-ox3be 2 месяца назад +34

    Valerie, you don’t take out loans to stay home and have 6 kids. You’re already spending the man’s future lawyer income and he hasn’t even started law school yet!

    • @L.T.-ed4cp
      @L.T.-ed4cp 2 месяца назад +9

      No, it's a terrible idea to take out loans - but it isn't Ken's place to tell them when to have kids. It's Ken's place to remind them of the costs of having kids. He could have made the same point in a far more rational, logical, non-judgemental way instead of being an overbearing prick about it.

    • @Nardaa-ox3be
      @Nardaa-ox3be 2 месяца назад +2

      @@L.T.-ed4cp Yes, the delivery was lacking in tact. You never warn an excited woman that she may have a hard time conceiving. It’s true, but you just don’t say it. It’s bad juju.

    • @bettedavis9261
      @bettedavis9261 2 месяца назад +3

      ​@@Nardaa-ox3beI agree about Ken's delivery. His message was spot on, though.

    • @neisci
      @neisci 2 месяца назад +10

      ​@@L.T.-ed4cp Valerie's level of delivery deserved the response she got. What a nonsense. Money is not even there yet and she's already spending it on debt.

    • @ReformedFamilyWorship
      @ReformedFamilyWorship 2 месяца назад +1

      Pretty sure callers don’t care about professional commenters’ opinions lol

  • @cherylbo888
    @cherylbo888 2 месяца назад +2

    Happy Birthday Ken!🎉 I love the way you handled the first call. That's the Ken style I know and love🙌🏼

  • @janalreyes4086
    @janalreyes4086 2 месяца назад +3

    Yes been in the the car biz 30 years , cash buyers are not favored but end of month absolutely best deal !

    • @Brickswol
      @Brickswol 2 месяца назад

      What do you mean best deal? Does it cost more to pay cash?

    • @janalreyes4086
      @janalreyes4086 2 месяца назад

      @@Brickswol dealers are willing to lose money on end of month sales because the incentive they get from the factory is based on unit count and yes sometimes they will not not budge on cash deals as much as financed because they make money on the financed sales from the lender it’s called Dealer reserve.

  • @mmp495
    @mmp495 2 месяца назад

    Happy birthday Ken! 🎉 🎂🥳

  • @2023roadstervet
    @2023roadstervet 2 месяца назад +3

    Happy Birthday Ken. the big 50. 🎂🎂🎂🎂🎂🎂🎂🎂🎂

  • @NaturalWifeyandMamaBear
    @NaturalWifeyandMamaBear 2 месяца назад

    Happy 50th Birthday Ken doll haha! Lookin’ good bruh. 😎 God bless.

  • @mattTHEEgreat
    @mattTHEEgreat 2 месяца назад +10

    Ken went full dad mode on the caller with her husband in law school lol.

    • @hellosaysandrew
      @hellosaysandrew 2 месяца назад +5

      I'm so glad, she was a complete doofus, or at least acted like one. Glad he was there to give her a reality check.

    • @rosedewittbukater5763
      @rosedewittbukater5763 2 месяца назад +4

      ​@hellosaysanwhy is she a doofus for wanting a lot of kids ?drew

    • @hellosaysandrew
      @hellosaysandrew 2 месяца назад +2

      @@rosedewittbukater5763 Now that you bring it up, I'm going to go with yes on that one. However, I was initially only referring to her being impatient and not wanting to wait and also being open to going into debt.

    • @jeremydenton8398
      @jeremydenton8398 2 месяца назад

      @@hellosaysandrew I've got 9 kids... am I a doofus? 😆🤣

    • @hellosaysandrew
      @hellosaysandrew 2 месяца назад

      @@jeremydenton8398 No, Jeremy. Though, that is a tremendous amount! 😱

  • @mollyh6347
    @mollyh6347 2 месяца назад +1

    Can you clip the teaching Ken did with the tennis coach? I have a couple friends I’d like to share it with - I’m sure others may too. Thanks Ken!!!❤

  • @laneshiasye7149
    @laneshiasye7149 2 месяца назад

    Happy Birthday Ken 🎉

  • @melinated2497
    @melinated2497 2 месяца назад

    For the law school couple, if Valerie starts at 28 (4 years from now) and has a kid every 1.5 - 2 years, they can have six kids by the time they are 38-40. He can work like crazy before law school, and she can work like crazy for those 4 years and they will have a huge stack of cash saved up for when she becomes a stay at home mom.

    • @Malko_pile
      @Malko_pile 29 дней назад

      There are a lot of “ifs” with this suggestion. She could have a miscarriage, she could have early menopause, there could be complications after birth, for example, if she has cesarian she can’t get pregnant for a year. Waiting for the last fertility minute is reckless.

  • @rwill6371
    @rwill6371 2 месяца назад +4

    She counting her chickens before they hashed

  • @theclothingcottage
    @theclothingcottage 2 месяца назад +4

    If they are married the assets are joint, the house is not necessarily all hers. She needs a lawyer asap.

    • @laurab5849
      @laurab5849 2 месяца назад

      Right…I am Surprised they are missing big questions like this.

  • @ashleynichole0624
    @ashleynichole0624 2 месяца назад +1

    I wish 12 years ago I asked if I should have kids with my hubby (now ex). I had kids at 20 and 21. I would have rather waited until 30. 42:17

  • @dominiquejones6758
    @dominiquejones6758 2 месяца назад

    Physical threats are a dealbreaker. Counseling isn’t going your way work. It’s divorce time:

  • @jarrodgilbert9909
    @jarrodgilbert9909 2 месяца назад +10

    44:09 when she says "I'm not gonna wait till I'm old to start having kids." 27 isn't old... I was 28 before I even got married. I'm 30 now and we still won't be having kids for a couple more years. Live a little life with your spouse before freaking out about being 27.

    • @YouMissedBro
      @YouMissedBro 2 месяца назад +1

      Its "old" if shes gonna try to have SIX kids and (likely) take a year or 2 between each one. She wants to live the house wife life with her babies assuming husband will just make $400k and allow her to not work.
      Now if she was a reasonable person, she would just have a couple kids and then waiting until 27 isnt bad. But in her mind she's getting pregnant every 2 years and that needs to start now to not be geriatric for the last couple kids (35+)

    • @pamsmith1665
      @pamsmith1665 2 месяца назад +1

      If you're a man waiting is fine. Your stuff has no expiration date. Fertility drops for women after 30.

    • @_Becx
      @_Becx 2 месяца назад

      Same here! Well I was 26 when my daughter was born, turned 27 a month later, I'm planning on having a decent age gap of 5 years so I'll see how I go with fertility, since I'll be in my 30s by then.

    • @melinated2497
      @melinated2497 2 месяца назад

      Same. Pregnancy sucked so hard I refuse to do it again after having two children but I got pregnant super easy at 32 and 35. I could easily have two more before 40. What is the rush?

  • @Arnold001-1
    @Arnold001-1 2 месяца назад +7

    How is David from
    Chicago making $100k and netting $4300 a month. That would have been my first question. Something is definitely off there.

    • @BuiltonGODSrock
      @BuiltonGODSrock 2 месяца назад +4

      Not off at all if hes putting in 15% of his check. My gross is 114k and my net is $2200 every 2 weeks and i put 884 every two weeks into retirement

    • @dobia4486
      @dobia4486 2 месяца назад

      Same

  • @kathymiglio8196
    @kathymiglio8196 2 месяца назад +3

    Great show!! Happy Birthday Ken!!!! 🎈🥳🎈🥳🎈

  • @CT-O
    @CT-O 2 месяца назад +17

    Lol I love Ken directly contradicting Dave's "never wait on babies"

    • @Nardaa-ox3be
      @Nardaa-ox3be 2 месяца назад +13

      I mean, it sounded like she was going to have all six kids at once. That call was a little unhinged.

    • @johnparker4484
      @johnparker4484 2 месяца назад +3

      I didn’t. It was grossly inappropriate. And unchristian frankly.

    • @L.T.-ed4cp
      @L.T.-ed4cp 2 месяца назад +6

      Ramsey doesn't tell people not to (or TO) have children or get married - they tell them they need to figure that out on their own when the timing is right. Ken's a dick.

    • @MONI-bj1ms
      @MONI-bj1ms 2 месяца назад

      ​@@johnparker4484Dave says to make sure you can feed and care for them first- work 3 jobs if you have to. No loans

    • @iTzNonLethal
      @iTzNonLethal 2 месяца назад +6

      To call him a dick for trying to prevent someone from making a stupid choice? Did he hurt you somehow?

  • @bettedavis9261
    @bettedavis9261 2 месяца назад +14

    Other than Ken's delivery, he was spot on with his advice to Valerie about having a bajillion babies while her husband is in law achool with no income coming in. I always cringe a bit when Dave (especially) and the other personalities say don't wait on finances to have babies, as if having babies makes money problems magically disappear due to the awesomeness of babies. While babies don't cost much, according to Dave, they certainly don't help you get out or stay out of debt anytime sooner.

  • @carmelaestrella3854
    @carmelaestrella3854 2 месяца назад +6

    Listen to the story very well first before you lay your answer Jade !

    • @rosedewittbukater5763
      @rosedewittbukater5763 2 месяца назад +2

      Agreed. She always jumps the gun way too quickly without getting a full picture.

  • @monicadhenderson8670
    @monicadhenderson8670 2 месяца назад +1

    Yessss that cookie 🍪 jar!!! Don't take it!! My weakness chocolate 🍫 chip cookies 🍪 yummiest

  • @crispicritters827
    @crispicritters827 2 месяца назад +8

    Wrong advice. People do not have plenty of time to have kids. Have the kids and work to earn while in law school. People work through law school.

  • @MaMa-jh6bb
    @MaMa-jh6bb 2 месяца назад +4

    Valerie is selfish….and thinking kids are easy 😂

  • @Alyssasue222
    @Alyssasue222 2 месяца назад

    Have the kids!! It will all work out.

  • @ginaiacono2776
    @ginaiacono2776 2 месяца назад +10

    Happy B-day, Ken! You don't look a day over 39 😁

    • @L.T.-ed4cp
      @L.T.-ed4cp 2 месяца назад

      no, he looks about 5 alcoholic years over 39.

  • @katherinetyrrell8810
    @katherinetyrrell8810 2 месяца назад

    Life preserver ;)

  • @Trustbutverify2651
    @Trustbutverify2651 2 месяца назад +1

    David's call - how can he be making $100,000 a year and only take home $4,300 s month? And everyone needs to work to at least 70 for the social security max.

    • @notgivingmyemail3381
      @notgivingmyemail3381 2 месяца назад

      Good question
      100k - 15% 401k - standard deduction - federal and state taxes = right about $73k, or about $6,100/month.
      Maybe the lost $1,800 is going to health insurance for him and his kid, and/or he’s withholding too much from his check.

  • @mikebloomer336
    @mikebloomer336 2 месяца назад

    I love you Jade!!!!! ❤❤❤❤ This is Barbara Bloomer!

  • @au10666
    @au10666 2 месяца назад +2

    Woah, Ken has aged unbelievable! never thought he would be 50, i thought he was in his late 30's

  • @anthonyyoung6433
    @anthonyyoung6433 2 месяца назад

    If Jade’s not singing, I’m not going!

  • @Amiga247
    @Amiga247 2 месяца назад +2

    Nice one, Ken! A good hitter Can hit a curve ball! 🙌

    • @Marilyn236
      @Marilyn236 2 месяца назад

      That analogy was so cringe.

  • @jessi7250
    @jessi7250 2 месяца назад +6

    With the first caller, I do wish Jade hadn’t jumped to telling the woman she needed to immediately get out of the marriage. We don’t know the full story, and only hear the woman’s claims. I wish Jade would’ve said to immediately separate and seek counseling. I just wish people weren’t so quick to say to end marriages these days. We don’t know if this woman is truly being abused, because sometimes that may not be the whole story. Of course we want her safe, it just may not be the whole story.

    • @rosedewittbukater5763
      @rosedewittbukater5763 2 месяца назад +1

      Definitely was not the whole story

    • @bichekambohok4857
      @bichekambohok4857 2 месяца назад +1

      Yes. It seems the show takes callers' information at face value and tries jot to doubt them because there is no way to verify on a 3-5 minute call with only one party present. At my office, we also have a believe staff policy until you are caught in a lie, then all bets are off (I work in HR)

  • @clairekeating1403
    @clairekeating1403 2 месяца назад +4

    Happy Birthday, Ken

  • @kathigratton2286
    @kathigratton2286 2 месяца назад

    A lot of those fee for the car are not allowed to add btw

  • @kathigratton2286
    @kathigratton2286 2 месяца назад +2

    Wonder if if she married my ex-husband, they were great until we got married six months into it turned into an exactly what she was talking about

  • @eightiesaddictone9063
    @eightiesaddictone9063 2 месяца назад +2

    Valerie got an earful.

  • @mchl1985
    @mchl1985 2 месяца назад +22

    Valeria you are so lucky Dave was not in today he would have hung up on you with this foolishness

    • @jonathanl5638
      @jonathanl5638 2 месяца назад +9

      deliousnal and a gold digger it was obviious

    • @carmelaestrella3854
      @carmelaestrella3854 2 месяца назад +12

      I still think Dave will support her on starting a family whenever, as long as they figure on how to cashflow the husband's law school and not going into debt having children.

    • @L.T.-ed4cp
      @L.T.-ed4cp 2 месяца назад +1

      @@carmelaestrella3854 Dave would tell them "only you can decide when it's right for you, but, you may want to think of alternatives to taking out loans".

    • @neisci
      @neisci 2 месяца назад +4

      ​@@carmelaestrella3854Never. Did you hear where she said she wanted to go into debt to afford this ? She was very lucky.

    • @judyphillips2498
      @judyphillips2498 Месяц назад

      ​@@jonathanl5638exactly what I thought and she isn't even considering the expense of less than perfect pregnancies. I had two preemies out of 3 pregnancies and it took 10 years to pay all that debt off. She's crazy.

  • @saraedwards3066
    @saraedwards3066 2 месяца назад +1

    Don't wait to have your babies. Put the first couple in daycare if you need to while you're getting your husband through school

  • @2dodger2
    @2dodger2 2 месяца назад +7

    Jade: I notice that you often don’t hear the story of the caller correctly. Please learn to listen better

    • @LordBass
      @LordBass 2 месяца назад +3

      She has so many words, but little said.

    • @YouMissedBro
      @YouMissedBro 2 месяца назад +8

      Yeah like how the hell did she start saying Valerie was the lawyer and that she might not use the degree? You just spent 5min talking about the situation and said the husband was the future lawyer. Makes you question everything when she randomly just start rambling about nothing and gets the basic info wrong.

  • @AGarrett-o2n
    @AGarrett-o2n 2 месяца назад

    I absolutely love the Ramsey Show, and I love the personalities. But, come on y'all, can we please quit with the "sheesh" comments when people have or want to have more than 2.5 kids. Psalm 127:4-5.
    I know I've heard Rachel specifically say we don't tell people to wait to have kids or get married. Don't tell this woman to wait 3 years before trying!!
    Offer her advice on how to do it responsibly, the Ramsey way.
    That momma definitely shouldn't go into debt. They have a year before he goes to law school. Stack cash, have 3-4 jobs, and live on rice and beans, beans and rice - scorched earth!
    And yes, she can work while pregnant. Take the maternity leave, and get back to work after baby is born. Look for a sweet grandma at their church to help lower daycare costs. Then when hubby has law degree and is making bank, momma gets to stay with them beautiful babies. They sacrifice for a season while he is getting the degree to set up their family for financial freedom!

  • @Fog_of_War123
    @Fog_of_War123 2 месяца назад

    That Val called needs to chill. 4-6 kids SMH!!!! have 1 or 2 then make that call. Don't even have 1 yet and she thinks she wants to have an Army of kids. Wake up call is coming and a bunch of debt if yall don't work

  • @mikebloomer336
    @mikebloomer336 2 месяца назад +2

    Happy birthday Ken!

  • @colleengarcia7752
    @colleengarcia7752 2 месяца назад

    Reverse mortgage. This lady would be better off selling her house and parking the profit in a good mutual fund and rent.

  • @Baron2888
    @Baron2888 2 месяца назад +1

    The 1st caller was muffled when she stated what she does for work. What is the line of work?

  • @Malko_pile
    @Malko_pile 29 дней назад

    Didn’t Ken experience infertility with his wife and that’s why they adopted? Why is he telling a 24 year old to delay especially if she wants a big family!
    Valery, don’t wait girl, time slips away before you know it.

  • @theyodayouseek
    @theyodayouseek Месяц назад

    Jade: You may not even want to go to law school after you have kids.... well she doesnt want to go to law school at all, her husband does... are you even listening to the call? There was a lot of these not listening to the calls statements on this show. I think shes getting better more recently, but listen to the dang calls, geeze.

  • @lindatobar1773
    @lindatobar1773 2 месяца назад +1

    Happy birthday Ken Coleman 🎂👏🏻🥳

  • @AuntGrace
    @AuntGrace 2 месяца назад +3

    Wow you guys didn’t connect with the gal who wants six kids no matter what happens. 😢
    So sad she is willing to put in daycare. Why does she want kids if she is planning on having someone else raise them. That wrong on so many levels.
    What if he get sick and never makes the big bucks. Etc etc etc

    • @melinated2497
      @melinated2497 2 месяца назад

      I went to daycare and my parents raised me. I turned out great. There is no free lunch. If she insists on having kids now, and her husband is refusing to work through law school, how are they going to eat if she doesn't work and put the kids in daycare? The taxpayers? I think not. She needs to get a job or wait until her husband is an attorney.

  • @pamdanner3274
    @pamdanner3274 2 месяца назад

    Man, I wished they listened better!

  • @beckygeer6480
    @beckygeer6480 2 месяца назад +5

    Can Ken go car shopping with me?

    • @striperkid
      @striperkid 2 месяца назад +1

      It's easy to do. 1st question you ask is, do they have the exact make, model, trim, color, and optioned car you're looking for. After that, ask for their fees up front. Example, in NY fees should be: $12.50 for tire recycle fee, $10 safety inspection, $75 "doc" fee (document fee), and $325 title/reg, and plates. That should be it. Next, ask if there's any incentives for that month. Now, negotiate price. They will start at, or above MSRP. You want to settle on Invoice or below. I've never purchased a car (even during Covid) above invoice. Tips: Never tell them how you'll be financing OR if you'll be doing a trade in until AFTER you negotiate price.

    • @striperkid
      @striperkid 2 месяца назад +1

      Example: Car A MSRP's for $32000 and invoice is $30000. The total fees are $500 and there's a $1000 rebate. You negotiate and get the car for $30,000, plus the $500 in fees. You'll be paying tax on $30,500 PLUS the $1000 rebate BEFORE it gets deducted so....assuming a 5% sales tax, you're total out the door price including tax, then minus the rebate is $31075. You put $10k down and now you'll be financing $21075. NEVER buy an extended warranty, NEVER buy scotch fabric protection, NEVER buy rust preventative, NEVER buy dealer options.....just buy the car

  • @isidorolopez265
    @isidorolopez265 2 месяца назад

    Why do you say the two most unlikable personalities? Explain that in depth please thank you.

  • @ErnestinaObeng-zo2di
    @ErnestinaObeng-zo2di 2 месяца назад +1

    Happy Birthday, Mr. Ken Coleman 🎉🎉❤🎉🎉

  • @TheZohan14
    @TheZohan14 2 месяца назад +5

    41:36 disagree y’all! We need more babies! Don’t tell her to wait on the kiddos!

  • @Baron2888
    @Baron2888 Месяц назад

    Why do folks call with answers? So stupid. The lady with the law school husband sounded nuts! Age does not need to the have offsprings!

  • @elenap-ot4gh
    @elenap-ot4gh 2 месяца назад

    the way they have treated Valerie was awful!! i hope they get schooled by Dave.

    • @judyphillips2498
      @judyphillips2498 Месяц назад

      That kid is clueless. They know she is chomping at the bit to keep that husband working his life away and he'll be the one on the hook for the debt. All she kept saying was she isn't waiting til she's old to have kids. Her husband has already told her he isn't ready guaranteed and she was trying to get these two to override him. She's selfish.

  • @kiwidesignstudio
    @kiwidesignstudio 2 месяца назад +3

    Are you 50? You look like 30.

  • @nydjrio
    @nydjrio 2 месяца назад

    Those stickers kill the vibe

  • @ЛюсяВ-я8к
    @ЛюсяВ-я8к 2 месяца назад

    I think I might be done with this show for a while. At least while Ken is on. He is such a jerk. Their treatment of Valerie was so terrible. I noticed that John also does this. Tells people that they shouldn’t plan things. And then with other people tells them that they are dumb for not planning things in advance. It’s like they enjoy telling people they are wrong. Everyone should plan, but plan loosely cause you never know what will happen.
    Valerie- have as many kids as you want. I come from a family of 6 kids and it was so fun growing up in that lively home. My parents will never end up in a nursing home because there will be at least 4 of us who will take them in. And we will do it gladly. Life isn’t all about money. There’s financial capital and then there’s the social capital. I would 100% be poorer with lots of kids and lots of life than be a rich person calling an Uber to pick me up from the hospital. Have those kids, just try to cash flow and figure out a way to stay out of debt. Sorry that you got terrible advice from these two. I think this show lost something through the years. Idk.

  • @bribradt3450
    @bribradt3450 2 месяца назад +2

    The one size fits all investment advice is dangerous

  • @aaronwebster5523
    @aaronwebster5523 2 месяца назад

    Jade is absolutely stunning 🥵😻

  • @alexisballard1459
    @alexisballard1459 2 месяца назад +4

    Happy birthday Ken!!!❤❤❤🎉🎉🎉

  • @bayoustateoutdoors9650
    @bayoustateoutdoors9650 2 месяца назад +4

    Too much cruise talk…..callers!!

  • @rosedewittbukater5763
    @rosedewittbukater5763 2 месяца назад +2

    Omg They got married less than a year ago. This lady is a liar. Not telling the whole truth. Jade and Ken really jumped the gun in just believing this woman and blaming the man without asking more questions.
    She also contradicted herself in acting like this was the first time in a long time she's been in financial distress as she put it. But she also admits she brought 91k of debt into the marriage on her own. So she needs to get her facts straight and the hosts did a terrible job of holding her accountable

    • @YouMissedBro
      @YouMissedBro 2 месяца назад +2

      Yeah something was off when she said she had not been "financially troubled" in years meanwhile she came in with all the debt and $12k is credit card spending....very suspect

    • @bichekambohok4857
      @bichekambohok4857 2 месяца назад

      The show seems to have a policy on believing most callers and taking their information at face value. They really can't verify any information and they sometimes miss what we pick up on the other side

  • @L.T.-ed4cp
    @L.T.-ed4cp 2 месяца назад +4

    So Ken's the appointed decider of when a couple should have kids? Good Christ even Dave stays away from saying "You shouldn't have kids". Terrible advice that broke several boundaries.

    • @neisci
      @neisci 2 месяца назад +6

      She wants to go into debt so she can have her magical number of kids, that's wild. Why can't work hard stack money and have children when the time comes. They are delusional. What a way to wanting to start a life. Gambling on future earnings that may or may not come.

    • @YouMissedBro
      @YouMissedBro 2 месяца назад +6

      She's delusional. If it was a few kids she can wait. Why bring stress of kids into the hardest 3 years of your marriage with husband going to law school? Also assuming he is getting a full ride and he will make big bucks and not just be a public defender making $80k. She watches too much "trad wife" influencer crap on tiktok.

    • @GoldenOldies-007
      @GoldenOldies-007 2 месяца назад +1

      @@L.T.-ed4cp why would anyone plan in advance to have exactly 6 kids? There are so many what ifs! I'd never agree with anyone planning having kids they can't afford, yet this woman's planning on making a basketball team and has no idea how much money they will really have. So irresponsible. Ignorant....

  • @juliaconnor3349
    @juliaconnor3349 2 месяца назад +1

    I couldn’t even finish this episode it was so bad. I love this show and listen all the time. But ughh. I don’t want to hear Jade give anymore cookie cutter advice, especially when it’s to a woman in an abusive relationship. I guess Jade feels like she doesn’t need to listen thoroughly when she just says the same thing to everyone, like missing the fact that it’s the husband going to law school. I just couldn’t hear anymore so I had to turn it off. I want to listen to human answers, not robotic advice. Keep John on air 😂

  • @johnparker4484
    @johnparker4484 2 месяца назад +7

    Ken, you are completely wrong to tell someone to wait to have kids. It’s gross. “Be fruitful and multiply“. This whole family planning culture we live in is ridiculous

    • @DDEHoodStarz
      @DDEHoodStarz 2 месяца назад +10

      Not planning for a family is insane.

    • @johnparker4484
      @johnparker4484 2 месяца назад +2

      @@DDEHoodStarzI’d rather be insane to what is considered “normal” in today’s world. As Dave says, be weird.

    • @DDEHoodStarz
      @DDEHoodStarz 2 месяца назад +8

      @johnparker4484 not having a plan is reckless. Be weird and have a plan to have a family.

    • @candicem8781
      @candicem8781 2 месяца назад +11

      ​@johnparker4484 I don't think Ken was wrong at all! Dave says "be weird" in regards to being debt free and not taking on more debt. This woman didn't work and her husband is going to law school which means he also won't have an income. So *NEITHER* of them will have an income to afford rent, food, utilities and will live below the poverty line for 3 years and she wants to take out loans to live off of. You think it's smart to bring a baby into that? That's just selfish on her and her husband's part.

    • @neisci
      @neisci 2 месяца назад +4

      Going into debt so you can afford your magical number of kids is wild, why can't both work like crazy and stack up money to be used a year from now. Husband will start law in 2025, she can also work.😊

  • @strqueen123
    @strqueen123 2 месяца назад

    I dont kbow what happened with biden 🤣🤣

  • @GoldenOldies-007
    @GoldenOldies-007 2 месяца назад +1

    did Ken seriously just recommend to this first caller for her to stay with her abuser? to try to work it out?? WTF.. Ken, you're a total douche.

    • @pamsmith1665
      @pamsmith1665 2 месяца назад +2

      He told her to tell him that was his last threat. Or she was leaving. VERY dangerous. He could very well carry out that threat. Just leave.

  • @rosedewittbukater5763
    @rosedewittbukater5763 2 месяца назад +2

    Uuuuhhhh Hate kens advice not to have kids. I hope they both get a stern xoachings from Dave bc this has been the worst show ive ever heard in 10 years

    • @laurab5849
      @laurab5849 2 месяца назад

      Dave doesn’t care anymore…he’s handing the torch over to them all. He didn’t even barely disagree with George when he went crying to Dave about how the internet was eating him up about the 83 year old getting a part time job.

    • @MONI-bj1ms
      @MONI-bj1ms 2 месяца назад

      ​@@laurab5849they both had a good laugh over it. And he will with ken,too

    • @KS-zg2le
      @KS-zg2le 2 месяца назад

      ​@@laurab5849to me it was the fact that they didn't just offer it as an option amongst others. Rather they basically shoved it down her throat

  • @isidorolopez265
    @isidorolopez265 2 месяца назад +1

    In the last segment, actually 43 minutes in not can certainly respect kens and Jade‘s opinions about waiting to have children. I respect that use your brain first and foremost,,, but I noticed at a constant pattern of these guys Jaden kid constantly burst peoples bubbles, man I mean, man give them a bit of encouragement please, please please instead of constantly timetime after time and call after call absolutely always burst peoples bubbles man not cool not cool at all. Stay on the side of positivity of course be realistic stay on the positivity side and total encouragement. I’m out.

  • @bribradt3450
    @bribradt3450 2 месяца назад +4

    The 2 most unlikeable "personalities"

    • @YouMissedBro
      @YouMissedBro 2 месяца назад

      Didn't realize George "I'm so snarky and quirky" Kamel was on the show today!

    • @melinated2497
      @melinated2497 2 месяца назад

      These are my two favorite ones apart from Dave