Drop the Excuses and Embrace the Suck! | January 30, 2024
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- Опубликовано: 29 янв 2024
- The Ramsey Show (January 30, 2024)
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Jade Warshaw & George Kamel answer your questions and discuss:
- "Should I keep renting or buy a house?"
- What you need to know about taxes in 2024,
- Getting out of an upside-down vehicle,
- What are the 7 Baby Steps?
- When parents guilt trip their kids over money,
- Why you have to drop your excuses and embrace the suck, or else be satisfied with your current state.
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Jade said what 99% of the audience was thinking on the Sarah from NC call. The world needs more of that blunt honesty
Good on George for telling that young man making $230k that giving is the part of finances he's lacking in 🎉👏
@40:41 "The pain of staying the same has to become greater than the pain of changing" - Jade Warshaw 🔥
Yep! That's going to be my motto for the year since I'm going back to school.
@@ses-ei7oc ❤️
We love James Clear “Atomic Habits”
Jade is on 🔥🔥🔥. Got to be honest with people and tell them how it is.
Sarah from NC is why I dont agree with Government assitance, there is no way that she cannot work remotely. Taking WIC to keep a car that they dont need is insane🤦🏾♂️🤦🏾♂️🤦🏾♂️
!!! Facts big bruh! WFH is gold. Those kids will be occupied by sponge Bob and peanut butter jelly.
Jade handled that call like an absolute BOSS. She was 100% spot on
Thank you taking it from mom's who actually need it
True need is fine but this was a real situation that had to change because it could change.@@katie6902
It’s so silly but I never even considered a second job until I started listening to this show last September. It didn’t even *cross my mind* ! I thought I was just stuck with my main income and that was that. Sometimes you just don’t realise the solution until someone tells it to you. I flung myself outside of my comfort zone immediately and got that second job in less than a week and I’ve been there for 5 months now. Do I want to do the second job? Do I want to finish 8 hours at my main job at 5 PM and then go to my second job at 6 PM to midnight?! HELL NO. But it was the solution. And since then I’ve stormed through Baby Steps 1 and 2 and am now halfway to my 6 month emergency fund. Jade is 100% right, you have to do things you don’t want to do and work hard to achieve the things you want or get yourself out of a situation you don’t want to be in. So frustrating to listen to calls like the military wife because it sounds like some people just want a solution without having to do anything or sacrifice a single thing. If you want it, and I mean truly want it, you’ll do anything. She wasn’t ready at all.
2nd jobs can be fun too though.
Congratulations! Sounds like you’re a rockstar. So glad you found this ship to open all possibilities to you. 🎉
Yes! I go serve high tea every other Saturday woohoo!@@bluebelle9572
So proud of your accomplishments!! Same here, I never even thought about getting a second job after working 8-9 hours a day. I chose to deliver with ubereats bc i still need the flexibility due to the nature of my first job. I remember the first delievery i got my heart was racing from getting out of my comfort zone but wow WHAT A DIFFERENCE it has made for us. Keep up the good work!! I also find it more fun than my main job 😂😂
“It’s not really yours” Jade~ love that
💯
Damn George saying he doesn’t drive a $40k truck and he’s a millionaire is crazy…in an inspirational way.
He is a millionaire with home included and I think if he hasn't already, is buying another home so has other things to pay for more important to him.
Yeah it’s the norm. Over here in Dallas where I live if u go by the huge 2-3 mil dol homes the most likely car Is a Tahoe or Range Rover but u go over to an apartment complex and the cars are a ton of new cars and some rovers too lol
Most millionaires I know don't drive fancy cars. That's why they have money...they aren't foolish!
Once you have good money, vehicles don't even matter. I prefer for my house to be super nice and have flexibility to go on nice vacations and see the world.
@@tduck828most billionaires have multiple nice cars
George , Jade, and Dave are the 3 hosts i love listening to. They are the best and make the show very interesting to listen to too.
Agree 💯!!
Y’all sleeping on my man Ken?
@@vinman8031 ken is good too
So proud of Jade at 1:31:00 - this needed to be said. No sugar coating, no lefty talking points caring about people's feelings. She said exactly what needed to be said and was 100% correct.
Loved Jades answer to Sarah! Believe me I am all about a parent being able to be home with the kids however there are times when you have to fill that hole in together. I feel Sarah just was not willing to help out. So many people could work in CSR roles.
Whats CSR? Im looking to build income.
Dustin and Leslie… OMG I want to pull my hair out listening to you two
The caller who wants a quick fix to go on WIC is in for a rude awakening. WIC is going to provide very basic food that totals to maybe $50-75 a month. It will not serve her problems long term by any means. If her husband gets off of work at 3:30 someone needs to be working after that.
I agree with you. She did say she has an infant so wic would provide formula which is pretty expensive. So maybe she gets wic and gets the job!
@@Moonbeams_SweetDreams yes, if I were her I would do both. WIC is very beneficial for formula if that's her main use for it
I think wic would get them through this hard time but not a long term solution. My husband and I worked opposite shifts for a few years , she could work in the evenings a few times a week. There are always other options.
Sometimes as I listen to the ppl that call, I think, my goodness these are people that vote lol
I think that a lot and its scary...
I find it comforting as long as they are voting for honest leaders who love the USA.@@tduck828
George and Jade are better therapists than John. 😮 They go directly to the issues and dont bring in their own biases.
When considering home ownership, there’s so much more to it than the monthly mortgage payment. You also have property taxes, insurance, and maintenance. I had a friend whose mortgage payment fit within the guidelines, but all the other expenses put it beyond her ability to pay, so she wound up selling the house and going back to renting. If I remember correctly, Dave says the mortgage, taxes, and insurance must all together fall at or below 25% of your monthly income.
Lol i felt that 🔥 coming from jade on the food stamp call. I think we were all on fire listening too haha
Preach it to her, Jade! They are lazy! He does military stuff? Please. He’s playing Call of Duty!
Be nice, she just had a baby.
@@ismarylauretrodriguezgalin5554WE ALL JUST HAD BABIES!!!
@ismarylauretrodriguezgalin5554 who cares if they just had a baby. Doesn't mean they're not lazy😂
I love Jade’s idea of dreaming of that specific number of margin you need to tackle your debt, what a great way to keep it front and center!
Love the tough love from Jade. She's probably the personality most like Dave
Jade was rude to Sarah today
@@Jetup24and Dave has never been rude? 🤨
@@Jetup24 As she should have been. Sarah had nothing but excuses. Sarah needs to get a job, and what's her husband doing from 3:30 onwards? They are professional waiters, waiting for the miraculous promotion that will sort all their problems.
@@Jetup24 Sara was making excuses. Jade told her the truth.
This may be the best Jade rant I have ever heard! You go girl!
My hubby and I were a one family car when he was first in the army reserves. I used to drop him off for his one weekend a month and then pick him up so that I would have transportation. He never needed a car while on base his weekends. He used to carpool with an Army buddy for his one week during the summer because the base was a little farther away but if I had to go drop him off for that too I would have.
I never have asked my adult children for money. But when I know they are well to do, I make it known they should pick up dinner because of the great job I did raising them.
So you have asked your kids for money? 😂
@@ProbablyBased You can say that. They unashamedly know I want trips, cars and houses if they hit it big. But today, dinner will do.
I am the Dad I wish I had. And I did a great job raising them. And they know it.
Jade speaks the truth. Love it.
Jade is the next best thing to happen to the Ramsey show, second only to Dave
Jade is on a roll the whole week. Is Dave in Cabo again 😂
😂
He should be! He’s earned his retirement and then some, but he won’t fully retire.
He already is semi retired. He’s giving the Ramsey Personalities their time to shine now. And they are doing a great job taking over for him
He has to start loosening the reins, he admits it is hard. His son seems more behind the scenes and he isn't letting or maybe he doesn't want to be, on air. He said he is letting the personalities earn money separate from their great salary with books and appearances. That way if Ramsey earns less as a company they have earning potential, that goes just to them.
@@jasondima1411 And he will remain SEMI retired for another 15 years
Isn’t it amazing that other countries that have higher tax rates don’t complain about taxes like us? It’s almost like their tax dollars are allocated to take care of their citizens instead of big business…
Or other countries
That is right Jade.
The military wife call, did not disclose how much she spent on her grocery budget and she did not state if she budgeted.
Her best option was get her double stroller and get on Rover. Walk small dogs with your kids. Every day. Make a couple hundred daily while getting in shape.
On Thursday, July 4th, I'd like to hear Jade sing the Star Spangled Banner on the debt free stage, live on the show.
"O'er the land of the free..."
There won't be a live show that day, they'll show a replay.
Hi Grumpy, Snow White here, 🙂 maybe they could do a pre-recorded first segment which finishes with the national anthem....?
@@darrenhabecker6948😂 💜
I love listening to you 2! Amazing info and encouragement 🎉
I don’t understand why people call 📱 in for advice but don’t want to take the advice!!? Listening to the military family lady, was so frustrating! Why call??
I guess they want a discussion. If you went to a FA you'd not just sit there. The show is too short to have a real discussion.
She just had a baby, maybe she is going through hormonal stuff. She also has a toddler. Maybe we shouldn't judge if we are not walking in her shoes.
I love the tough love. Keep it up guys.
Why do people call in if they haven't even listened to the show? Or looked up the baby steps? They should have their info written down in front of them and know what questions are going to be asked.
Stop you’re asking ppl to have some common sense… 😂😂
Well then the show wouldn’t have any drama. They also like to use the calls as a teaching tool and pull people from the dark side. Not everyone needs to be on the path already before calling the show.
@@andrewsnyder9262 im not saying they have to be on the baby steps. Or even know what they are. All im saying is if they call in they shouldnt be surprised with the questions being asked. And they should have a specific question. When Dave is on and people start rambling he cuts them off and asks what their question is. Dave takes 2 or 3 calls between breaks and isnt afraid to cut them of and point them in the general direction and move on.
Some people have a problem for every solution...
I love this podcast BECAUSE of the callers and Ramsey personalities! THIS podcast is exactly what people need! If everyone knew exactly what to do all the time and were perfect, there would be no need for the show. This show is a blessing ❤❤
You sure got your hands full Tom! Hope you have a good day, you always have a positive attitude !
Grande equipa !! A vossa informação e conselhos deviam chegar a todos !
Just stumbled over this. I feel so privileged never to have to worry about student loans, medical bills, lack of money under unemployment/sickness. I understand my system /Germany/Norway) is very different, but I feel sorry for some of the callers. The snowball system is a good idea and other things like the emergency fund is definetly somthing to works for. But interesting to learn about the mentality in the US. I might follow for more insight. Liked the show! Overall taxrate looks like 46,7 %, but most people like to pay this because of all we get back for it
I seriously wish the US would go this route
@TravelElg. Same here. Student loans in US are frightening. What a burden...
Jade and Camel with a "K" are a great team. Great show with great info 👍👍👍🥰
Jay hasn’t been totally gone in December but it seems she wasn’t in as much. But she is back and sure glad to see that. She’s been a great addition to the show.
Wow jade love that LV analogy. That was wonderful!
That WIC caller has some nerve - 5K in the bank and she wants the taxpayer to pay for her kids dunkaroos and enfamil. Yeah I call baloney 🤨🤨🤨🤨🤨
I had to skip the first caller droning on and on like she was talking to her mother.
I literally said that to someone I was talking to at the time. These calls are the reason I never watch live.
@diamante1ification They'll even keep talking over the hosts. Not sure if it's delay in the call or their brains 😅.
@@ThePolypam No delay its all in their brains. Certain people just love to talk.
This was a great show DESPITE the frustrating calls. Slow-thinking, disorganized, contrarian calls throughout. The hosts made it enjoyable.
I think it's great that real people grappling with real problems in their lives can get great advice that can hopefully improve their financial situation 👍👍
Tell me about it. That first woman was simply waffling
I thought you were referring to Jade . . .
The call from Dustin shows how little this caller understood what was going on. Waste of a call
Most of the calls these days are a waste they waffle on they don't have definitive questions and massive lack of comprehension @@Davefitz04
27 minutes in HALLELUYAH! I dont sell online but I was considering it until the 1099 tax rules stopped me cold. Im so happy its been put on hold. So many people sell online and they need to be encouraged not penalized for reselling used items. I restyle clothing and sell it locally, its a very small income now but I expect it to explode in 2024 when we vote honest leaders back in woohoo! Lavoie Boho will become a small business next year in Jesus name amen.
@georgekamel love that you come from skateboarding. Your snark is real. Ha!! I’ll be calling in soon as I’ve started the journey w the DR guidance!!! Would love some real talk advice.
Jade was brilliant with Charlie in Orlando. With George's help of course :)
A lot of us really don't want help/solutions. We want someone to tell us what we're already thinking so we'll feel okay with the choice we wanna make.
They give great advice on the show ; stuff that we should already know tbh
So true!
Inspiring ❤
WIC is not the answer. We receive WIC for kids placed with us through foster care. My 2 year old gets benefits that total about $60-$70 a month IF I buy the expensive brands. Makes a lot more sense to just work a few extra hours. WIC also requires appointments you have to take the kids to. I will usually only use WIC when I have infants placed with us because formula is $$$$$$.
She needs to work. That’s all. I have 3 kids. I work full time and so does my husband. I’m very exhausted but we all gotta eat and have a place to live.
I'm a single mom in nursing school on WIC. WIC was great for formula when my daughter was an infant but it's basically pointless now that she is 4. They give 25 bucks for fruits and vegetables for the month. We eat pretty healthy so that last for one week 😂😂
The Government that provides you with stuff is the same one that can take it away
@@Mskyraelise exactly. And it’s only $26 here because they extended Covid grant money. Supposed to be $9. $9 for produce!
@@mandydoerfler2909 exactly! It use to be 9 and that's absolutely crazy. Fruit for one day 😂
For the family that made 36K with the WIC question. The military service sounded like a reservist… so if he is working for the unit, he should be getting paid either RMP, ADOS, or AT. If the unit doesn’t have the funds to pay for his time, then they shouldn’t get the “free” labor.
Can you please use more abbreviations next time. There isn't enough jargon in your comment.
Rog wilco.😂 Those terms were for the spouse and military member to bring up to leadership if he really is “working”.
@@user-zy9yg2eu5t😂😂
Sarah can babysit for other military families. Trust me, she will be in high demand! I was active duty and could not find a babysitter for my baby. My choice was be AWOL or ???? It was terrible!
I would hope I NEVER have to ask my kids for money. I can't even imagine doing this.
wow. So interesting.Sometimes as I listen to the ppl that call, I think, my goodness these are people that vote lol
First caller just rattled on!!!
I itemize,, it give me more back. GIVING is the key.
Will the everydollar live question video be posted anywhere?
The WIC-focused military wife call left me confused about what her husband did after he got off work. “Military stuff”? What does that mean? The only thing she shared about it was that it’s unpaid and if it’s unpaid that’s a problem. Also, when he is away on FTX’s for days or weeks at a time, she can drop him off and pick him up when he returns and she is still never without a car. It also sounded like she’ll have a car after 3pm each day so they really can make do with ONE car. Sell the car, wife can work a night job when he gets home OR husband does military stuff that’s PAID. There’s so many hours in their day where they can earn more income.
She has excuses on everything. Not sure why she called. She already made up her mind.
My husband and I are military. She had to be lying about something.
The take on parenting really got my goat! I’m sorry, if I as a parent, supported you, funded you and bought you CARS! I wouldn’t expect you to whinge if I fell on hard times and asked to borrow $1800. Giving should be reciprocated and there are too many entitled children who could care less about their parent’s well-being. This child should have been proud that he was in a position to help. He only moaned because it was Dad who asked. Us men just need to shut up and carry everybody on our backs and society as a whole doesn’t even appreciate the value of a good, providing father. Look at Father’s Day and the amount of “effort” made. It’s almost ignored wholesale.
So yeah, that one hit home. I will say, 1.8k to repair a watch seems frivolous and I would NEVER ask anybody, let alone my kids for money to do something like that. That was probably a lie and maybe dad is embarrassed.
My rent is about 40% of my income and it is the least expensive in my area. What should I do? Move farther away and pay the gas?
When you make an extra mortgage payment, should it include mortgage, taxes, and insurance OR just the mortgage amount? Thank you
You need it to apply to the principal only.
It can be as much as you want. It doesn't need to include the taxes and insurance.
Extra money should only go to your principal mortgage payment.
How can I watch the replay of the every dollar part of the show?
Sometimes I wonder if people (the WIC call) need to hear the straight-up truth - your household income is poverty level. Her husband was also clearly Guard or Reserve military, so it shouldn’t be bleeding into his week days so much, and if it is, he needs to have a conversation about his dire financial state at home with his leadership team and First Sergeant, so he can focus on income earning and not doing “Patriot Time” (working without compensation).
Not "Mouth Chicklets"....George!!😅
The guy working for the reserves or national guard should put in for RMAs to get money for the extra military service he does
I don’t think the problem is that… Doesn’t sound legit that he’s working all that extra time. Is he AGR or are they putting him on ADOS orders? There’s so much unknown there and more likely lies in some part of this story
Just got married and I told him only if we are on same page with finances, want to do your baby steps !! Want to go so bad so he will follow through with his promises.
Please come to Philadelphia!! Too far for us to fast for our budget..
If people knew about finances what they knew about sports, music, and movie stars, they'd be in a much better position.
Dave what do you think of CHM health insurance? We cant afford it. The commercial keeps popping up on here. Thank you. (CHministries is the insurance)
21:08 what happened😂😂😂
Had a hard time getting the live stream. I recommend putting a link into the invite email in the future.
these two are my favorite together! I just want to talk numbers and it's so slow when the other hosts drag it out and talk about feelings.
Ken Coleman is better
No@@Jetup24
I agree. I don't listen to hear about someone's "feelings." I listen for the numbers so I can learn about finances. If I wanted to listen to feelings discussions, I'd go see a therapist.
that lady really irritated yall hahahaha
And she should have. That was sickening to listen to
Dude was in serious trouble with his mortgage. Sending him to FPU would have been nice.
Ya they give FPU to random people but that guy could’ve actually benefited from it
Why do you always forget to tell new people to do the snow ball. They think if they pay off the 3 little student loans she can have that money for other stuff. You need to remember to tell them how the snow ball works. Most people don’t know what that is.
Very true. I have commented on this before. The point is to apply the amount paid to the paid off loan to the next loan.
Sarah could babysit while she’s home in SC, her hubs probably gets paid for the “military stuff” but they either don’t consider that as income or he’s not telling her about it
She just had a baby 2 months ago. Hormones are an enemy; take care of your thoughts and with what you share over here.
@@ismarylauretrodriguezgalin5554I am a mom of 3. I’ve been there THREE times. She didn’t sound even an oz of someone that is struggling. She was full of excuses. She didn’t cry. Didn’t say they’re helpless, just excuse after excuse
I think she was trying to imply he only works a weekend but it sounded bad on air so she twisted the story .I think he works for NG and only goes one weekend a month. I know because my fiancé in the NG and he goes away for a weekend and one month in a year .He gets paid for any time so he definitely not working once he gets home if they have no other income. I had a baby months ago and we both work full time . One comes the next goes .
To the family where the husband is in the military, please be nicer to her; she just had a baby, maybe she is sleep deprived, going through depression, plus the frustration. We should be nicer to people and try to walk in their shoes.
I was thinking this the whole time!
She is begging for a handout. No. She sounded just fine; she was full of excuses. Find another channel if you want coddled
What kind of military job jumps you from $30K to $90K?
That is his regular job. His military job is part time National Guard or Reserves. If he is working 40 hours per week making 30k per year, I’m wondering what his military rank is and how much he brings home per year there. Also, “when he gets home, he is doing military work”… no way is he doing military work every day unless it’s his full time job. Jade was right. Both of them can work more but Sarah was just coming up with excuses not to.
Yeah. Veteran here. Thanks for the clarification though
What kind of watch costs 1800 to repair!??
WIC is based on income. Debt doesn't factor in. If you qualify for WIC it's for you. People should just take the benefits if they qualify. The government will spend the money anyway.
lol not even close. WIC is about $80 of food a month for the KIDS. It is literally to keep them alive. She wouldn’t qualify for food stamps either. She can work, she is choosing not to
Exactly. The government will spend it anyway. I’d rather it go to families for a little food help/hand up, than probably 80% of whatever else the government spends money on.
George!
Kamel!
If you qualify for WIC you qualify for free/reduced child care.
Embrace the suck... That's what he said.... 👀
❄️❄️❄️❄️❄️
That’s how I ended up with my favorite breed of dog Doberman
The tax man the dog protected him
I have worked for the W.I.C. Program for 14 years, and I approve this episode.
Ima give all of y’all an easy math problem banks will go down imagine lending 60k msrp for a 45k msrp truck no considering extras now consider 20 percent loss once it leaves the lot.
2-3 years once they trade In those trucks that don’t last more than 100k miles who’s gonna pay the remain25k of negative equity
The banks have a budget for defaults. They know it’s coming long before it happens.
13:00
That $183K student loan, is there an option for loan consolidation? Old Sallie May sold my student loans and jacked up my APR to 13%. That scared me to the core. Good thing I have a 401K at the time already so i borrowed from there, paid off the 13%, and consolidated the rest. I got them down to 1.28%. I just paid it off a few years ago.
I'd be so ashamed to be the WIC lady Sarah. If her husband works 7-330, she needs to work 4 to midnight. You know the stereotype that these people are unwilling to provide for themselves? It's because of people like Sarah. It's not true of everyone, obviously...but it only takes a few Sarahs out there to sour the good will of the people.
Where is dave ramsey?
Trying to have a few hours of retirement. I think he has to think about the future and it's hard. Ramsey is Dave and he knows his son, no matter how smart is not him. I see how he isn't on TV so maybe not the face/voice he feels they want. He is trying with well paid personalities to keep the sales up which feed the company and books and in person meetings and slowly will pull out and let them lead.
better without him
Being a teacher, he can get federal grants to pay for his college, I got mine paid for, it’s a special needs grant!!
1:31:00 Jade, George, you both missed the elephant in the room... What does the husband do? What does he do after hours? Does he get paid for after hours. What does "military family" mean when they are on the poverty line? Do they have a real budget? They are both not supporting their family???.... I do not hear "We, We" here.... Also, I don't think anyone goes from $36k to $90k... because $36k means no skill, $90k means significant skills.
I think Jade has decided she has every answer for every person, regardless of their situation. She doesn’t listen and has her mind made up before even having all the facts. Her answer for everyone is make more money. Well what about when you can’t do that? Maybe that mom didn’t want to work, but sounded like to me that she couldn’t. Did Jade bother to find out? No she just became rude about it and rode off on her high horse as she does
Army pays THAT LITTLE?
George and Jade could benefit from a grammatical lesson about when to use "me" or "I".
Gone head and take another pass at that title
This is infuriating there is nothing wrong with her using WIC regardless if she earns a hired income she would still qualify. WIC is there for a reason. And it is ridiculous the way the 2 hosts bombard her. You ask a question and then immediately interrupt her. Ukk the arrogance from Jade when she is clearly not an expert.
if you actually paid attention, Jade Warshaw said the word “LISTEN” 23 times
$1800 for watch repairs ??? Smh