I almost booked for this trip ... and then BOOM..... I have to be on baby step 4 and beyond. I'm still on baby step 2..... Dave practices what he preaches that's why I listen to him and his teaching
I love how Dave answered the "should we get married" call. When you claim to be a Christian, you got to support the Bible even when it hurts 100%. Let's continue standing up for the Faith!!!
He didn't stand up for his faith with the woman wanting to protect her riches from the victim of the accident SHE caused. He should have a shed to what extent was the person physically hurt
we are so lucky, from 5.85 2006 mortgage modified after 3 yrs to 3.75% and 2020 2.35% we are winning, instead paying our house we put our money to investment.
I say this with all the respect in the world. With age comes wisdom. The surety with which Dave speaks is a culmination of all his experiences. These young'uns will never have those experiences because they have taken the lessons from Dave and those who have gone before them, so their delivery will never be as succinct.
To the gentleman who called about marrying a widow with a pension, please triple check the regulations on that because, as I understand it, If she is over 60, she could remarry and not lose her pension.
For me , I like the pure fact . I owe nobody, no company, noo credit , no card, no car payment . I value my freedom on a high level , and now I'm super disciplined , my mind is focused . And I will not fall for the shiny advert, the signs hanging everywhere, Tv, none of it. My eyes are wide open these days , I will not go back to Fianance, credit, cards, or any payments ...... That world is over for me, i,ve become sharper minded over money, in a enlightening way several years ago, and now my discipline comes natural. Change your mind Change your life Change your focus And stay clear of debt , Thats the best life 💪💪💪👍
@ 50:02 people are trying to afford life right now so they are searching out to get out of debt. How to survive. That’s why Dave Ramsey numbers are up! 😊
I stumbled across this video, and I really enjoyed it... thank you. I know things might be different in Australia (where I am), but the other difference between paying off a mortgage and earning interest on savings accounts is that you have to pay income tax on the interest you earn. My point is that even if the savings interest rate is higher, you're not necessarily going to be that much better off after you factor in the income tax. I think you're always best to pay debt off first.
Divorced mom with (2) teens at home with 1.3 million in the bank and earning $5k a month can most certainly survive if she moves out of Irvine CA to someplace cheaper where she can buy herself a $350k home
The lady who complained about paying 8K/month in Irvine. She is renting the wrong house. She just needs a three bedroom apartment or townhome. Zillow shows multiple offerings of that size below $4,000/month. She can also move to nearby Santa Ana for $3,000/month.
Friend of mine was in a gun store in Franklin TN. As he was buying some ammo...Dave walked in. My friend yelled..."Dave it is a debt card...I promise". Dave laughed and went to the back of the store with the manager. He said it was clear Dave was a regular customer there. LOL.
Not all difficulty can be measured with money. Her husband was an addict and I’m sure that was not an easy thing. She’s also living in an expensive market. Dave’s advice was spot on, get out of that market and invest in a home elsewhere.
@ryank2434 she's telling 1/3rd of the story - her version - not to be mistaken with the truth and emphasizing his addiction so no one gives her shit about the divorce. Clearly if she's been a stay at home mom this whole time, he provided a top 1% lifestyle to his family. So it's like, he built all this for his family but now he's an addict so she wants her half, plus alimony, and for him to be gone.
The guy who wants to marry the widow after 7 months of dating -- not giving me a good vibe at all. He's got no nest egg and his income is quite mediocre. If he married her and later it didn't work out, she'd lose her late husband's pension and she'd get nothing really from this guy. He doesn't have integrity but wants to APPEAR that he does. I would NOT marry him if I were the widow!!
I think a human being's worth can be measured by more than their income. I suppose the stay-at-home moms that call into the show all the time are worthless to you? Or people who take vocations that contribute greatly to the community, like teachers and pastors, but don't make nearly as much? I agree that they should date longer, but I wouldn't want to marry someone who looked at me and saw an ATM with legs.
Yeah, I was concerned that at 60, he only has $20,000 due to losing everything in his last divorce. Does SHE really want to marry him? He didn't really say. Sounds like it's more important to her to keep her husband's pension...
Car accident lady… if she destroyed someones livelihood and ability to work, she should pay up. My mother ended up in a wheelchair after someone ran a red light, while speeding :( (My mom was 37 at the time)
I like the other personalities but Dave is another level. I hope he stay for another 10 years. His knowledge and experience is amazing. He needs to run for president.
Dave is the best, love his wisdom his back story’s, I love also. Dr John and ken are brilliant together so funny, every question that came through was perfect for them. Put them together more often. If it was not for George I would not be listening to the show I seen him on Lewis how’s show, I was hooked, great stuff George and of course I am a regular of smart money happy hour, there is nothing like it in my book. Ps bought your book George and Rachel’s , and Dave’s. 🎉🎉🎉🎉🎉🎉🎉🎉🎉❤
24:00 Dave saying he pay taxes but use all legal loopholes is similar what the caller is doing. They found a loophole where he can walk in step with scripture but also ensure he does not take away from his future wife financial security. It’s legal and deceptive. Loopholes are literally that a way you can legally not pay certain taxes because some group of politicians didn’t think of everything to make sure you pay what they meant for you to pay… Just a thought.. but I’m with Dave I hate paying taxes 😂
I live in the city next to Irvine, Costa Mesa, and my GF and I have looked into properties in and around Irvine to rent…that Irvine caller is way off base, 8k is way too much even in an expensive city like Irvine. There are cheaper options, you just have to spend more than 5 seconds looking.
$8K in Irvine California!!! Yikes. I live in California. I just bought a second house. It was listed $249K, and there was a bidding war with over 5 offers on my house!! I did not give the highest offer, but the sellers accepted my offer, because it was clean AS-IS. You just have to keep going. Don't give up.
Dave’s comment about taking every loophole to pay as little federal taxes as possible but also hates paying a penny is spot on with every American. Dave Ramsey for President! 😂
1.3 million in a HYSA. $15,000 alimony for 6 months. $8,000 rent in Irvine California. Calling for advice ????? MOVEEEEEEEEEEEEEEEEEEEEEE!!!!!!!!!!! LEAVE CALIFORNIA. How do you not know that 😣
25:00 a quick Google search led me to the NJ police pension documents. It states VERY CLEARLY that if a widow dies or remarries, the pension benefits stop. I doubt Dave from KC calling the governor or police commission, and pleading his girlfriend's case would change their minds and make an exception for her.
I totally agree with you. As soon as she gets married her pensions done! Hopefully the woman won’t do that because if this guy is willing to commit fraud, they will get caught and she will lose everything and he’ll probably leave her anyway. He knows That he cannot legally marry her so I don’t know what this game is all about except for the fact he doesn’t really want to take care of this woman and or just wants her extra income. This is straight up sad and I don’t know why Dave isn’t going in harder on this man.😮
@@HouseWifeSnob yes, for a person claiming to be so "Christian," in that he didn't want to live with a woman who wasn't his wife, he certainly has no qualms about skirting other moral issues to keep her money (getting married in church, so in the "eyes of the Lord," but then not make it legal for the state). Extremely questionable behavior, in my book.
Philadelphia actually has gotten lots of people leaving NYC to buy homes here due to it being more affordable than NYC (plus people moving here to work from home rather than needing to be close to work in more expensive cities). The economy here has also been growing, so there are lots of people moving in for jobs. The schools are also really bad, except in a few areas, so the houses in those few good school areas are in very high demand. To top it all off, we have some of the oldest housing stock in the country, so a lot of these homes needs TONS of work and are expensive to upkeep - if you can find one that doesn't, you're very lucky, and will be competing against a bunch of other people who want move-in ready!
The guy with the 2% loan on his house brought Up an excellent point. That all the millionaires survey did not earn their millions in a period of arbitrage when They could get FDIC guaranteed spreads.
The woman living in Irvine, CA is very unserious. She’s more concerned with what people will say and that’s why she’s still there. Like are you slow?? You’re paying 8K a month in rent to keep up with the joneses?? Nonsense!!!
My husband was a NH police officer when he died. I had the choice when I took his pension for a lump sum payout, a certain monthly payment at “$X” if I got remarried or a higher monthly amount if I was to never get married and if I took the higher amount and then decided later to get married, then yes, I would loose all monthly payments.
Say that again. 👏 he needs to find another woman and keep his faith going of he really cares about her future. It would be different t if he had enough money for both of them. From what I see he wants her to lose it and be in same level like him subconsciously
13:36 Ppl are haters, Dave! 🤦♀️ As JayZ says….. brush your shoulders off! Let the haters eat your dust, Dave! 🤭😆 I can’t wait to get to Baby Step 7 so I can have some haters. 😂
With the divorce rate being what it is, PARTICULARLY on second marriages, if I was her I wouldn’t do it. I also wouldn’t go get the attention of the pension board
1.1million? $15,000/month? $8,000/month rent? Boo Hoo. I got $100/month and had to move into the parsonage years ago when I got divorced. I can’t feel sorry for this ‘poor’ woman. ( my ex was also an addict- no sympathy or money )
I know it’s crazy. I do lawn care and all the time old ppl or single moms are like sorry hunny 40$ is too much to cut the yard I’ll have to put it off. Meanwhile ppl are like “I have 1.1 mil in the bank I feel trapped what do I do lmao”
Sounds like the lack of sympathy rubbed off onto you. At least she isn’t whining and comparing her situation to others. It’s just the truth of her situation. Notice Dave didn’t bat an eye when she told him those numbers? It’s because he understands how expensive that market is. Thank god you’re not the one giving advice to others 😂
@@MrDrTray sounds like you aren’t giving empathy to the person who doesn’t feel sorry for the above caller. We could do this sympathy/ empathy bashing thing in a circle all day long on the internet.
Precisely, she believes people will feel sympathy for her earning $15k per month and paying $8k for rent. I think she called in to brag about how she ripped her husband off
Can someone explain the term life insurance ad for me? I’m confused when Dave says “they think they’re gon’ die or something?” And I hearing that wrong? Is he saying “they’re think they’re NOT gon’ die or something?” 1:10:24
I live in OC & work in Irvine. Let me assure you that $8000 per month is not “very basic” - even for this area. A quick Google shows there are 60+ 3-bedroom apartments available in Irvine for less than $4k a month - not to mention 15+ 3-bedroom condos Karen could *purchase outright* for less than she has in her HYS & have no mortgage payment. This caller is either wildly uninformed OR her standard of living is wildly inflated. I’m guessing the latter.
Why are they feeling sorry for the lady who caused a serious accident, injuring someone? It was her fault. And she’s caused life changing injuries! And I say this because she’s very worried about her millions of dollars aren’t protected. She’ll have to take the hit.
You guys.. i understand Karen from Irvine. She's been a full time mom for 20 years and just got out of a long and ugly divorce. That 1.3 mill is all that she has, while she still needs to raise her children and live the rest of her life on likely no child support or alimony. It's a very scary feeling. She wants to make sure her next step is wise and safe. I do agree that she needs to move and adjust her standard of living. Imagine moving out of a 2-3 mill house... She must have lived a pretty pampered life before things started to go south.
Scary feeling? I was a single mom receiving no child support, had zero money (let alone 1.3million) and clawed my way out by working really hard and building a career. This lady’s children are old enough that she can work without having to pay for childcare.
I don't understand about not paying off debt to keep a low mortgage rate. I quickly checked the amortization schedule and that 63 yr old would be paying an extra $11,000 in those 12 years. If you work so hard to invest, why pay an extra $11,000 to the bank?
Last year I made 22% on my investments. I’m not taking any of that money to pay off a 2.5% mortgage. I’m making more on my investments than I’m spending in interest.
@Luv2Ski4500 It still doesn't make sense in the long run... let's you buy a $300,000 house and at the end of you paying it off, you probably paid like $450,000 for that house because of the interest over your term. You just gave an extra $150,000 to the bank for your house. You say you made 22% in investments this year, but if you're really paying interest on debt elsewhere, that full 22% is not fully going into your pocket.
@@AllieInCanada I’m still making more money on my investments than what I’m paying in interest. In the end I will have more in my pocket. Last year I paid about $5000 in interest. If I paid off my mortgage I would have missed out on $25,000 I did make. This is only looking at how much I made on the amount of my mortgage. I’m ahead by $20,000. $20,000 more in my investments. And my investments are doing just as well this year.
@@AllieInCanadawrong. Cant argue with percentages. 22% beats 2.5% (which, holy hell im jealous). What to do from an emotional perspective is a matter of opinion at the end of the day…but one opinion is objectively more correct. Invest if u can outearn interest by a significant margin. Eventually ull just pay the damn thing off with cash.
You know it truly is a proven fact. If you save for emergencies and then start your snowball using the app, it really works. You have more money than you think you did. You’ll find it. You won’t starve. All you gotta do is adjust here and there and you got it. I can’t remember the last time I used a credit card for anything. The principle is if you don’t have the money then just do without.
Am I missing something with the guy who’s dating the widow? If they get married, he provides for her, and she loses the pension. I don’t see why the state should continue to pay her through her deceased husband when she has a new husband. The whole thing just sounds greedy
David from Kansas get married & make extra $4K a month with your new wife!!! Father Yahweh will bless 🙌 your obedience beyond your wildest dream!! Trust me I know... when my first hubby passed away I was 38yrs & had a 16 month baby... SS told me if got married they would take my SS $$$ but I said OK I'm not living in sin, then they said OK and if you get a divorce before my baby was 16yrs you can get Social Security back SMH!! Well thank Abba Father I trust in God not man & We're still married after 16 years together & each year my income has increased!! I went from $24,000 a year to $168,000 a year!
I lost over $80k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Charlotte Miller.
She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states
I'm surprised that you just mentioned and recommended Charlotte Miller, I met her at a conference in 2018 and we have been working together ever since.
I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills
Did Rachel almost just spit her drink out???? Ha ha that was great. As far as the money, always hard for me to "swallow" the high prices of drinks or food on vacay. But I try to breathe and go with it. It's a continuous fight for us Baby Steppers. I try to remember the open hand policy you talk about. Open to give, open to receive. Not ours anyway. All gifts from above.
Regarding in police pensions mine is worse. My wife only gets 1/3 of my pension benefit when I die. If I take a reduced benefit by the additional 2/3’s while I’m alive we can get the same reduced benefit. Also I contribute 14% to the system that is a mandatory retirement that I cannot opt out of with an employer contribution but when we die my kids get nothing. So yes they screwed police while they’re alive and their families when they die. They are keeping all the gains on the money I contributed while I was alive. This is theft at the worst level. I can’t even have an opt out option where I can have my own retirement outside the job and it’s 14% so there isn’t much margin to have an additional one.
I've been really into the lessons and teachings for several weeks, trying to learn. Bought the Everydollar budget, but damn why does Dave have to insult left wingers? Like, why can't we learn and focus on finance and leave politics out. I'm a proud "left winger" and its just annoying to be insulted when I'm a customer. Probably done watching. I'lll just use the budget and listen to Kamel.
It seemed to me Dave was commenting that the left wing local newspapers like to attack him for his conservative and religious views not that be dislikes you personally
@@Kevin.Grindel that's fair. I just cringe when he seems to regularly point out Democrats or leftists. We are out here trying to pay debt and build wealth, not throw political barbs. Just seems gross and unnecessary.
Our elected politicians generally represent us with their actions. We choose them by comparing our beliefs. Once they are in office, depending on the office, they make our laws, decrees, rules, and governmental bills. We live our lives according to these items. Basically, he doesn't like the work they produce because of the negative effects on his life. I hope this helps explain it. GOD bless and take care. EDIT: Because politics determine to an extent what we do with our money, they go hand-in-hand.
He has criticized Republicans many times. I think he tries to stay out of politics but he mentioned one day that he didnt like some of the policies of either party.
The stat about "top 5 occupations of millionaires" Ramsey keeps alluding to is misleading. There are over 3 million teachers, 2 million engineers, 1.6 million accountants, and only 1.1 million physicians. To make the statistical analysis more meaningful, it should be based on percentages within the profession that are millionaires and not raw numbers. Otherwise, it's not a true representation.
Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got talking about investment and money. I started investing with $120k and in the first 2 months , my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and gets more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.
I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second daughter. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks...
Quitting may not be the best approach if you ask me personally . This is where an AI comes into the picture. I barely have time to trade myself as my job swallows up most of my time. A licensed adviser whom has made me over 5 figures in profit in less than seven months, handles my investments. I could leave you a lead if you need help...
That's quite remarkable! I'm genuinely interested in benefiting from the guidance of such experienced advisors, especially considering the current state of my struggling portfolio. May I know the names of the advisors who has been assisting you in navigating these financial challenges?
Omg… I HATE the FED Income Tax as well. I scream about how they rip me and my husband off every year and then want more money playing around with taxes at the end of every year. We’re moving to Hong Kong in August. Their greedy asses ain’t getting another dime from me.
Are you a US citizen? If yes then I’m not sure that moving to Hong Kong will mean no taxes paid to IRS. You should probably google Foreign Account Compliance Act just in case
@@kilo8 you don’t pay US taxes when working in Hong Kong or any country abroad when you don’t work for US government. I’m contracted for the work I do . Lived and worked abroad for years
It’s the “Ramsey Show” specifically without the “Dave.” “Ramsey,” as in “Ramsey Solutions.” Still his brand but more inclusive of his next generation who appear to now be running the business. He’s said as much.
![BLACK BAG - Official Trailer [HD] - Only in Theaters March 14](http://i.ytimg.com/vi/Du0Xp8WX_7I/mqdefault.jpg)
I love seeing George so intently listening to the discourse w/ Dave and the pension caller.
I really think George is so good with Dave. I’m learning so much from both of them.
I almost booked for this trip ... and then BOOM..... I have to be on baby step 4 and beyond. I'm still on baby step 2..... Dave practices what he preaches that's why I listen to him and his teaching
“When will the overbidding on houses end” call/discussion was very informative.
I love how Dave answered the "should we get married" call. When you claim to be a Christian, you got to support the Bible even when it hurts 100%. Let's continue standing up for the Faith!!!
He didn't stand up for his faith with the woman wanting to protect her riches from the victim of the accident SHE caused. He should have a shed to what extent was the person physically hurt
WE LOVE DAVE NOBODY COMPARES. HE’S SO REAL & FUNNY & SMART 🩷🩷🩷
question about the app, how do I put money in the emergency fund?
No shouting.
Finally Dave is back!❤❤❤❤❤❤❤❤❤
Yes! Dave is the man!! Other personalities are good but they lack Dave’s wisdom
John comes off as a dousch
@@SirLuckyKhan786what? Disagree!
@@SirLuckyKhan786John is the BEST!!!! The kindest, most down to earth, and empathetic guy you will ever meet.
Dont like the others beisde Jane 🖤
Miss??? Is he out?
I enjoy the debate over paying off a low interest mortgage vs. investment earnings. I am paying off a 2.5% mortgage for the FREEDOM!!!
we are so lucky, from 5.85 2006 mortgage modified after 3 yrs to 3.75% and 2020 2.35% we are winning, instead paying our house we put our money to investment.
2.6 here....42k left.
You'll always be paying for home insurance, repairs, upkeep, and taxes. If you want real freedom, live in the woods without any payments.
@@Nigrifftiny house?
@@Nigriff Repairs, upkeep and taxes = true. Insurance optional at that point. :)
I say this with all the respect in the world. With age comes wisdom. The surety with which Dave speaks is a culmination of all his experiences. These young'uns will never have those experiences because they have taken the lessons from Dave and those who have gone before them, so their delivery will never be as succinct.
You are correct but this isn’t a very popular concept these days.
To the gentleman who called about marrying a widow with a pension, please triple check the regulations on that because, as I understand it, If she is over 60, she could remarry and not lose her pension.
I learned a lot from this show about life situations
For me ,
I like the pure fact .
I owe nobody, no company, noo credit , no card, no car payment .
I value my freedom on a high level , and now I'm super disciplined , my mind is focused .
And I will not fall for the shiny advert, the signs hanging everywhere, Tv, none of it. My eyes are wide open these days , I will not go back to Fianance, credit, cards, or any payments ......
That world is over for me, i,ve become sharper minded over money, in a enlightening way several years ago, and now my discipline comes natural.
Change your mind
Change your life
Change your focus
And stay clear of debt ,
Thats the best life 💪💪💪👍
@ 50:02 people are trying to afford life right now so they are searching out to get out of debt. How to survive. That’s why Dave Ramsey numbers are up! 😊
I stumbled across this video, and I really enjoyed it... thank you. I know things might be different in Australia (where I am), but the other difference between paying off a mortgage and earning interest on savings accounts is that you have to pay income tax on the interest you earn. My point is that even if the savings interest rate is higher, you're not necessarily going to be that much better off after you factor in the income tax. I think you're always best to pay debt off first.
Divorced mom with (2) teens at home with 1.3 million in the bank and earning $5k a month can most certainly survive if she moves out of Irvine CA to someplace cheaper where she can buy herself a $350k home
Scandalous how she came across like she was poor
The lady who complained about paying 8K/month in Irvine. She is renting the wrong house. She just needs a three bedroom apartment or townhome. Zillow shows multiple offerings of that size below $4,000/month. She can also move to nearby Santa Ana for $3,000/month.
$8,000 is outrageous! I thought I heard that incorrectly. 😮
@@mmp495this is unbelievable. Unless the house has heaven view
My mortgage is $630 my jaw dropped lmao
That lady is exactly why smart men will never get married! She robbed that dude so hard that she can retire
Friend of mine was in a gun store in Franklin TN. As he was buying some ammo...Dave walked in. My friend yelled..."Dave it is a debt card...I promise". Dave laughed and went to the back of the store with the manager. He said it was clear Dave was a regular customer there. LOL.
Divorcee calling from Irvine, CA is full of it. "Going through a hard time" with 1.3m in the bank and 15k a month alimone???? Okay, lady.
Not all difficulty can be measured with money. Her husband was an addict and I’m sure that was not an easy thing. She’s also living in an expensive market. Dave’s advice was spot on, get out of that market and invest in a home elsewhere.
@ryank2434 she's telling 1/3rd of the story - her version - not to be mistaken with the truth and emphasizing his addiction so no one gives her shit about the divorce.
Clearly if she's been a stay at home mom this whole time, he provided a top 1% lifestyle to his family. So it's like, he built all this for his family but now he's an addict so she wants her half, plus alimony, and for him to be gone.
$8000 is basic house in Irvine, CA. 4 bedrooms are going for 5000 a month.
@@ryank2434the point is her woes are her fault. Change your perspective. She can move, thats pretty easy. 1.3m is incredibly easy to live on.
1.3 million California is not rich. That's about 100k
Gotta get my dose of Dave! Love all the personalities but still gotta have some Dave in there.
The guy who wants to marry the widow after 7 months of dating -- not giving me a good vibe at all. He's got no nest egg and his income is quite mediocre. If he married her and later it didn't work out, she'd lose her late husband's pension and she'd get nothing really from this guy. He doesn't have integrity but wants to APPEAR that he does. I would NOT marry him if I were the widow!!
They should date for a year at least
I think a human being's worth can be measured by more than their income. I suppose the stay-at-home moms that call into the show all the time are worthless to you? Or people who take vocations that contribute greatly to the community, like teachers and pastors, but don't make nearly as much? I agree that they should date longer, but I wouldn't want to marry someone who looked at me and saw an ATM with legs.
I think it's funny that anyone would ask Dave if it's OK to cheat.
He suggested getting married without getting the state involved, so your statement makes no sense.
Yeah, I was concerned that at 60, he only has $20,000 due to losing everything in his last divorce. Does SHE really want to marry him? He didn't really say. Sounds like it's more important to her to keep her husband's pension...
Car accident lady… if she destroyed someones livelihood and ability to work, she should pay up. My mother ended up in a wheelchair after someone ran a red light, while speeding :(
(My mom was 37 at the time)
I’m so sorry about your mom.
😢
Did she get
I like the other personalities but Dave is another level. I hope he stay for another 10 years. His knowledge and experience is amazing. He needs to run for president.
Dave is the best, love his wisdom his back story’s, I love also. Dr John and ken are brilliant together so funny, every question that came through was perfect for them. Put them together more often. If it was not for George I would not be listening to the show I seen him on Lewis how’s show, I was hooked, great stuff George and of course I am a regular of smart money happy hour, there is nothing like it in my book. Ps bought your book George and Rachel’s , and Dave’s.
🎉🎉🎉🎉🎉🎉🎉🎉🎉❤
Regarding a couple from Florida, that did the debt free scream, gee I wish I knew what their business was because that’s really good money 💰 😄
Dave is back in the house!!❤❤
Hallelujah, Dave’s back!!
🎉🎉yayyyy! Dave is back
Woohoo 🙌
You’re back ! Thanks God!
Google says she can remarry and keep pension if she's 60 or older for state of New Jersey
24:00 Dave saying he pay taxes but use all legal loopholes is similar what the caller is doing. They found a loophole where he can walk in step with scripture but also ensure he does not take away from his future wife financial security. It’s legal and deceptive. Loopholes are literally that a way you can legally not pay certain taxes because some group of politicians didn’t think of everything to make sure you pay what they meant for you to pay… Just a thought.. but I’m with Dave I hate paying taxes 😂
So glad Dave is back 🎉 Get the Children in line, Uncle Dave ❤ xx
Papa dave!!!!!! Woo hoo, it's not the same without you.❤
Welcome back Dave
I’m glad they questioned the 500 dollar vacation. You can’t hardly go anywhere on that amount. Especially if you need lodging.
I live in the city next to Irvine, Costa Mesa, and my GF and I have looked into properties in and around Irvine to rent…that Irvine caller is way off base, 8k is way too much even in an expensive city like Irvine. There are cheaper options, you just have to spend more than 5 seconds looking.
My two favorite hosts
$8K in Irvine California!!! Yikes. I live in California. I just bought a second house. It was listed $249K, and there was a bidding war with over 5 offers on my house!! I did not give the highest offer, but the sellers accepted my offer, because it was clean AS-IS. You just have to keep going. Don't give up.
Dave is back!!!❤❤❤
Welcome back Uncle Dave 🎉
Dave’s comment about taking every loophole to pay as little federal taxes as possible but also hates paying a penny is spot on with every American. Dave Ramsey for President! 😂
I just love Dave
1.3 million in a HYSA.
$15,000 alimony for 6 months.
$8,000 rent in Irvine California.
Calling for advice ?????
MOVEEEEEEEEEEEEEEEEEEEEEE!!!!!!!!!!!
LEAVE CALIFORNIA.
How do you not know that 😣
The house is a mini mansion. Rents in Irvine, CA are high but a 4 bedroom goes for 5000 a month.
25:00 a quick Google search led me to the NJ police pension documents. It states VERY CLEARLY that if a widow dies or remarries, the pension benefits stop. I doubt Dave from KC calling the governor or police commission, and pleading his girlfriend's case would change their minds and make an exception for her.
I totally agree with you. As soon as she gets married her pensions done! Hopefully the woman won’t do that because if this guy is willing to commit fraud, they will get caught and she will lose everything and he’ll probably leave her anyway. He knows That he cannot legally marry her so I don’t know what this game is all about except for the fact he doesn’t really want to take care of this woman and or just wants her extra income. This is straight up sad and I don’t know why Dave isn’t going in harder on this man.😮
Tough call I don’t blame her if she doesn’t marry him. He needs to move on or accept it’s going to be girlfriend and boyfriend ❤
@@HouseWifeSnob yes, for a person claiming to be so "Christian," in that he didn't want to live with a woman who wasn't his wife, he certainly has no qualms about skirting other moral issues to keep her money (getting married in church, so in the "eyes of the Lord," but then not make it legal for the state). Extremely questionable behavior, in my book.
Yay!! Dave's back!
@Freedomlawschool needs to get with Dave!
I just entered babystep 4. I'm thinking of taking the cruise
PLEASE DO THE CRUISE AGAIN YALL!! 🚢 🏝️ 🌊 we will be ready at the next one. Bummed missing this one!! But not quite there…
Philadelphia actually has gotten lots of people leaving NYC to buy homes here due to it being more affordable than NYC (plus people moving here to work from home rather than needing to be close to work in more expensive cities). The economy here has also been growing, so there are lots of people moving in for jobs. The schools are also really bad, except in a few areas, so the houses in those few good school areas are in very high demand. To top it all off, we have some of the oldest housing stock in the country, so a lot of these homes needs TONS of work and are expensive to upkeep - if you can find one that doesn't, you're very lucky, and will be competing against a bunch of other people who want move-in ready!
I wish Every Dollar was available to me here in Canada
It is
I am wondering what Dave thinks of land lease manufactured home parks for seniors.
Welcome back Dave!
Papa Dave is back!!!!!!!
We love Dave
Yay it’s dave!!
The guy with the 2% loan on his house brought
Up an excellent point. That all the millionaires survey did not earn their millions in a period of arbitrage when They could get FDIC guaranteed spreads.
For Grace's call, they didn't mention so many offers are cash now and cash buyers have the upper hand
Baby step 2 🙏🏻 please pray for me and my family 🙏🏻
The woman living in Irvine, CA is very unserious. She’s more concerned with what people will say and that’s why she’s still there. Like are you slow?? You’re paying 8K a month in rent to keep up with the joneses?? Nonsense!!!
My husband was a NH police officer when he died. I had the choice when I took his pension for a lump sum payout, a certain monthly payment at “$X” if I got remarried or a higher monthly amount if I was to never get married and if I took the higher amount and then decided later to get married, then yes, I would loose all monthly payments.
The woman with the pension should not marry this guy if she's going to loose her husband's pension. This guy has no money to replace it.
Say that again. 👏 he needs to find another woman and keep his faith going of he really cares about her future. It would be different t if he had enough money for both of them. From what I see he wants her to lose it and be in same level like him subconsciously
13:36 Ppl are haters, Dave! 🤦♀️
As JayZ says….. brush your shoulders off! Let the haters eat your dust, Dave! 🤭😆
I can’t wait to get to Baby Step 7 so I can have some haters. 😂
Quoting JayZ lol
With the divorce rate being what it is, PARTICULARLY on second marriages, if I was her I wouldn’t do it. I also wouldn’t go get the attention of the pension board
I am always curious, what the business is,when ppl say that they started a business. Especially one that makes 350k a year.
1.1million? $15,000/month? $8,000/month rent? Boo Hoo.
I got $100/month and had to move into the parsonage years ago when I got divorced.
I can’t feel sorry for this ‘poor’ woman.
( my ex was also an addict- no sympathy or money )
I know it’s crazy. I do lawn care and all the time old ppl or single moms are like sorry hunny 40$ is too much to cut the yard I’ll have to put it off. Meanwhile ppl are like “I have 1.1 mil in the bank I feel trapped what do I do lmao”
Sounds like the lack of sympathy rubbed off onto you. At least she isn’t whining and comparing her situation to others. It’s just the truth of her situation. Notice Dave didn’t bat an eye when she told him those numbers? It’s because he understands how expensive that market is. Thank god you’re not the one giving advice to others 😂
@@MrDrTray sounds like you aren’t giving empathy to the person who doesn’t feel sorry for the above caller. We could do this sympathy/ empathy bashing thing in a circle all day long on the internet.
Precisely, she believes people will feel sympathy for her earning $15k per month and paying $8k for rent. I think she called in to brag about how she ripped her husband off
It's fake bro or these people aren't even the average US citizen
2:00:22 "Fool me twice, won't get fooled again. Heh-heh-heh." 😅
Buy that house cash!!! WAIT ON IT!!!
What mutual fund was that Dave and is it still available!!!❤
Can someone explain the term life insurance ad for me? I’m confused when Dave says “they think they’re gon’ die or something?” And I hearing that wrong? Is he saying “they’re think they’re NOT gon’ die or something?” 1:10:24
He has mentioned that people think if they get life insurance they’re gonna die.. I guess being superstitious 🤷🏽♀️
@@irenealfaro2195 ahhhh okay that makes sense. Thanks!
Dave is Back, back again! Please never leave again. The dreck from others is painful, as they have zero wisdom or experience.
I live in OC & work in Irvine. Let me assure you that $8000 per month is not “very basic” - even for this area. A quick Google shows there are 60+ 3-bedroom apartments available in Irvine for less than $4k a month - not to mention 15+ 3-bedroom condos Karen could *purchase outright* for less than she has in her HYS & have no mortgage payment. This caller is either wildly uninformed OR her standard of living is wildly inflated. I’m guessing the latter.
Why are they feeling sorry for the lady who caused a serious accident, injuring someone? It was her fault. And she’s caused life changing injuries! And I say this because she’s very worried about her millions of dollars aren’t protected. She’ll have to take the hit.
I gree! I'm disappointed neither Dave or George asked about the extent of the physical damages at least. I gave the show a thumbs down
@@MONI-bj1ms you’re right. They should have asked.
You guys.. i understand Karen from Irvine. She's been a full time mom for 20 years and just got out of a long and ugly divorce. That 1.3 mill is all that she has, while she still needs to raise her children and live the rest of her life on likely no child support or alimony. It's a very scary feeling. She wants to make sure her next step is wise and safe. I do agree that she needs to move and adjust her standard of living. Imagine moving out of a 2-3 mill house... She must have lived a pretty pampered life before things started to go south.
Typical Karen
Scary feeling? I was a single mom receiving no child support, had zero money (let alone 1.3million) and clawed my way out by working really hard and building a career. This lady’s children are old enough that she can work without having to pay for childcare.
Reality is 3 bedrooms are available for 4000 a month. She said she is in half the house and very basic. That's bull.
1.28.57 is an extra pause-worthy moment.
Thank goodness! I needed to hear Dave’s voice today. Longtime member of the skinny jeans crew here 😂.
I LOVE DAVE HES A WISE MAN OF GOD
I don't understand about not paying off debt to keep a low mortgage rate. I quickly checked the amortization schedule and that 63 yr old would be paying an extra $11,000 in those 12 years. If you work so hard to invest, why pay an extra $11,000 to the bank?
Last year I made 22% on my investments. I’m not taking any of that money to pay off a 2.5% mortgage. I’m making more on my investments than I’m spending in interest.
@Luv2Ski4500 It still doesn't make sense in the long run... let's you buy a $300,000 house and at the end of you paying it off, you probably paid like $450,000 for that house because of the interest over your term. You just gave an extra $150,000 to the bank for your house.
You say you made 22% in investments this year, but if you're really paying interest on debt elsewhere, that full 22% is not fully going into your pocket.
@@AllieInCanada I’m still making more money on my investments than what I’m paying in interest. In the end I will have more in my pocket. Last year I paid about $5000 in interest. If I paid off my mortgage I would have missed out on $25,000 I did make. This is only looking at how much I made on the amount of my mortgage. I’m ahead by $20,000. $20,000 more in my investments. And my investments are doing just as well this year.
@@AllieInCanadawrong. Cant argue with percentages. 22% beats 2.5% (which, holy hell im jealous). What to do from an emotional perspective is a matter of opinion at the end of the day…but one opinion is objectively more correct. Invest if u can outearn interest by a significant margin. Eventually ull just pay the damn thing off with cash.
You know it truly is a proven fact. If you save for emergencies and then start your snowball using the app, it really works. You have more money than you think you did. You’ll find it. You won’t starve. All you gotta do is adjust here and there and you got it. I can’t remember the last time I used a credit card for anything. The principle is if you don’t have the money then just do without.
This comment right here is everything. Needed these supportive words! ❤️
Am I missing something with the guy who’s dating the widow? If they get married, he provides for her, and she loses the pension. I don’t see why the state should continue to pay her through her deceased husband when she has a new husband. The whole thing just sounds greedy
David from Kansas get married & make extra $4K a month with your new wife!!! Father Yahweh will bless 🙌 your obedience beyond your wildest dream!! Trust me I know... when my first hubby passed away I was 38yrs & had a 16 month baby... SS told me if got married they would take my SS $$$ but I said OK I'm not living in sin, then they said OK and if you get a divorce before my baby was 16yrs you can get Social Security back SMH!! Well thank Abba Father I trust in God not man & We're still married after 16 years together & each year my income has increased!! I went from $24,000 a year to $168,000 a year!
1:49:01 😂😂😂😂😂 George is funny
I lost over $80k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Charlotte Miller.
She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states
I'm surprised that you just mentioned and recommended Charlotte Miller, I met her at a conference in 2018 and we have been working together ever since.
I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills
I'm new at this, please how can I reach her?
The very first time we tried, we invested $1000 and after a week, we received $5500. That really helped us a lot to pay up our bills.
why are couples divorcing so much? what a tragedy for families. The finances are just another aspect of the pain.
Covenant Marriage for 13 years without state involved
In my state we’re also Domestic Partners, we had a ceremony with a friend officiating
Listening to the lady from Irvine, CA made my heart feel happy for her ex husband. Sounds like he dodged a bullet.
Did Rachel almost just spit her drink out???? Ha ha that was great. As far as the money, always hard for me to "swallow" the high prices of drinks or food on vacay. But I try to breathe and go with it. It's a continuous fight for us Baby Steppers. I try to remember the open hand policy you talk about. Open to give, open to receive. Not ours anyway. All gifts from above.
Hey ciro, leave her alone, dont mess up her security, care that much about her. Just be freinds.
Why does Dave have a co-host?
I guess so they can learn from him.
Question: What’s your story George???
Regarding in police pensions mine is worse. My wife only gets 1/3 of my pension benefit when I die. If I take a reduced benefit by the additional 2/3’s while I’m alive we can get the same reduced benefit. Also I contribute 14% to the system that is a mandatory retirement that I cannot opt out of with an employer contribution but when we die my kids get nothing. So yes they screwed police while they’re alive and their families when they die. They are keeping all the gains on the money I contributed while I was alive. This is theft at the worst level. I can’t even have an opt out option where I can have my own retirement outside the job and it’s 14% so there isn’t much margin to have an additional one.
I've been really into the lessons and teachings for several weeks, trying to learn. Bought the Everydollar budget, but damn why does Dave have to insult left wingers? Like, why can't we learn and focus on finance and leave politics out. I'm a proud "left winger" and its just annoying to be insulted when I'm a customer. Probably done watching. I'lll just use the budget and listen to Kamel.
It seemed to me Dave was commenting that the left wing local newspapers like to attack him for his conservative and religious views not that be dislikes you personally
@@Kevin.Grindel that's fair. I just cringe when he seems to regularly point out Democrats or leftists. We are out here trying to pay debt and build wealth, not throw political barbs. Just seems gross and unnecessary.
Our elected politicians generally represent us with their actions. We choose them by comparing our beliefs. Once they are in office, depending on the office, they make our laws, decrees, rules, and governmental bills. We live our lives according to these items. Basically, he doesn't like the work they produce because of the negative effects on his life. I hope this helps explain it. GOD bless and take care.
EDIT: Because politics determine to an extent what we do with our money, they go hand-in-hand.
He has criticized Republicans many times. I think he tries to stay out of politics but he mentioned one day that he didnt like some of the policies of either party.
The stat about "top 5 occupations of millionaires" Ramsey keeps alluding to is misleading. There are over 3 million teachers, 2 million engineers, 1.6 million accountants, and only 1.1 million physicians. To make the statistical analysis more meaningful, it should be based on percentages within the profession that are millionaires and not raw numbers. Otherwise, it's not a true representation.
question about the app, how do I put money in the emergency fund?
Most teacher millionaires are more than likely there with a significant help from their husbands
Does he hang up on them when they over talk or mute them lol?
The 15% is that just 401K and roth IRA or a also a normal account for stocks? (Brokerage account)
Pick any one
Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got talking about investment and money. I started investing with $120k and in the first 2 months , my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and gets more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.
I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second daughter. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks...
Quitting may not be the best approach if you ask me personally . This is where an AI comes into the picture. I barely have time to trade myself as my job swallows up most of my time. A licensed adviser whom has made me over 5 figures in profit in less than seven months, handles my investments. I could leave you a lead if you need help...
That's quite remarkable! I'm genuinely interested in benefiting from the guidance of such experienced advisors, especially considering the current state of my struggling portfolio. May I know the names of the advisors who has been assisting you in navigating these financial challenges?
*CATHERINE DIANE PELICAN*
LOOK HER UP ONLINE
Omg… I HATE the FED Income Tax as well. I scream about how they rip me and my husband off every year and then want more money playing around with taxes at the end of every year. We’re moving to Hong Kong in August. Their greedy asses ain’t getting another dime from me.
Chinese government controls that area basically now lol. But good luck. I’ll take the Us gov over Chinese any day
Are you a US citizen? If yes then I’m not sure that moving to Hong Kong will mean no taxes paid to IRS. You should probably google Foreign Account Compliance Act just in case
@@kilo8 you don’t pay US taxes when working in Hong Kong or any country abroad when you don’t work for US government. I’m contracted for the work I do . Lived and worked abroad for years
@@kilo8 oooh yes USA citizen- born and raised. Proud American just hate the tax system
Why specify left wing? I love Dave Ramsey and I’m left wing. My coworker is MAGA and he hates you lol
He wants to stay in debt but have money to pay it out??? But…a 500.00 vacation is too much???😮❤
1.3million “i cant find a place to live”. Cry me a river.
It aint’t The Dave Ramsey Show if it ain’t Dave Ramsey on the show.
question about the app, how do I put money in the emergency fund?
It’s the “Ramsey Show” specifically without the “Dave.” “Ramsey,” as in “Ramsey Solutions.” Still his brand but more inclusive of his next generation who appear to now be running the business. He’s said as much.
It's called The Ramsey show
Come on guys give this one to me. I was just playing with the words! 😅😅
@@lobx3260 Okay, you got this. 😃🎉😄🥳 and by the way, you’re not wrong…