Thank you very much Dave & John for expressing the “ contribution “ your wives have made throughout your marriages. When people used to ask me “ where do you work?” I would say,” I’m just a housewife.” Even though I was co-owner/secretary for our family owned & operated carpet cleaning business for 35 years, while also raising our 2 children and giving free day care to my 2 grandsons for 4 yrs each until they went to pre-K. Then in 2019 , while my daughter was filling in as caregiver for my 84 yr old dad who has Alzheimer’s, while I was in Texas due to my husband having heart surgery, she retired me. Now I am caregiver for my husband and continue caring for my dad’s finances and his rental properties.🤦♀️ I wear many hats and I know I have “ contributed “ through our 44 yr marriage!!! 4:58
I love how Dave gave his wife FULL CREDIT AS HIS PARTNER WHO CONTRIBUTED IN MATERIAL WAYS - childcare and “holding down the fort”! A true man who took responsibility for errors he made early on , but worked their way out of the disaster with a sensible method instead of playing the “PITY PARTY” deal! WHAT A GUY!!!
Me too!!! My husband and I just passed OUR 39 yr old family run carpet cleaning business to our son-n-law & our daughter. I had helped my husband grow the business by being his secretary, taking business calls and scheduling jobs. At the same time I was a “ stay-at-home mom of 2 children and was free daycare for my 2 grandsons until they each went to pre-K. Even after my husband became disabled at age 62 I continued on as secretary for my son-n-law who lovingly came to our rescue and took over cleaning carpets. My daughter finally retired me when my 81 yr old daddy came to live on our property. I had the privilege of caring for daddy for 7 years before his Alzheimer’s journey ended in March. So you can imagine how frustrated I was last night when he said,” you know this business was MY baby.”🤨 So yes I really do respect Dave for his respect for his partner!!! 2:47
OK!! to Andrew, who was on the show today thank you for inspiring me! I’m a crisis counselor, which means I’m not rolling in the dough :-) I was so impressed to see how much money you paid off. It’s giving me hope! Thank you so much for being on the show and encouraging me :-)
Ben, I've been in a similar situation. My best advice would be to request mediation. There you can make your case to someone more rational. Judges almost always side with the mother. You'll go broke before and then be forced to settle. Really lean in to how you obtained primary custody and how her issues would be detrimental to the child. Also, get your son in to a church program like Sunday school and some sports if he isn't already. Try to anchor him in Utah. In the end you'll probably have to give up some parenting time. I wish you the best of luck.
Way to go Andrew!! I love seeing singles on the debt free stage. It gives me hope. For some reason seeing couples pay off large numbers aren't as inspiring to me. You should be extremely proud🎉
Not that the couples don’t inspire me. They do. But doing it on your own takes a special kinda moxie that you have no choice but to find inside yourself. That’s powerful.
I have a feeling him selling the house was basically most the debt he needed. 150k from house..: but likely made 50-80k on sale as well. So paid off most debt with the earnings
@@AllthingsRoccoand now he doesn’t own a house. I’d never sell. He did so well paying half the debt. He could have paid off the house too or downsized.
Loved hearing both of them giving such credit to their wives who "hold down the fort...and the drama". If that was said more it would save marriages...
the life insurance one .. happened to me, the sensationalizing of spouses killing each other for life insurance has guys petrified to have any, My husband cancelled his when we got married .. I knew later on but no matter when i brought it up i was made to feel bad.. and he passed away from a heart attack last June, i’m hindsight he wouldn’t even sign for me to even get a 10k policy from my bank to cover a funeral. 😢 i should have said more done more but here I am picking up the pieces, my heart goes out to the lady that called in. we get guilted like we are gold diggers if we question ANYthing regarding money, it’s awful.
The first call, the fact that his ex wife's new partner wants her to get the kid after she had no interest in the child prior to getting with the new guy feels super creepy.
@@Nigriff that would be analogous to not having enough income to meet your needs than the lack of debt. However, even in stormy seas dingies are used to keep many people at a time safe. It would be hard to have a lighter vessel than that.
Thank you Dave, and John, for giving us hard working SAHM/Homemakers credit ❤ we’re just trying to do it the ol’ fashioned Godly way and are truly grateful because not every gal can 😞 (many also don’t want to sadly)… I’ve always been “born in the wrong era” anyway haha. Super ol’ fashioned. Try to live simple. But yah, we definitely keep the fort held down ha. Constant cleaning, everyone’s laundry-wash, dry, fold, put away, dishes (don’t have a dishwasher), preparing fresh fruits and veggies and our huge daily smoothie, making meals (never eat out except very rare occasion), baking, ordering groceries online then pick up, then put away, making list of stuff out of/need, paying bills, business calls that are needed, spending time with kiddo who’s not in school yet, dealing with school stuff from kiddo who’s in school-class parties/events going on, going over school work and helping and cheering him on, and on and on and on 👍 hardly sit down. But truly grateful, wouldn’t want it any other way ❤ then hubs comes home to things done, peaceful overall and only has the drama of kiddos fighting at times haha 😜 which is just normal life with kids. PTL 🙏
I second everything you said about being a stay-at-home mom! I had the joy of being able to attend all my children’s school events and standing in for field trips w my 2 grandsons as their momma was growing her career as a beautician and their dad worked our family owned carpet cleaning business when my husband became disabled. 3:25
To the mom who wants another baby. It takes 9 mths to cook a baby. Use that time to save up your emergency fund. When your baby comes home become a stay at home mom and when you're ready, and if you still want to at that point start studying part time.
Mr. $4800 For Health Insurance... your baby mama needs to leave and get you for more than that in child support because you don't know if you love her that much.
Do it, Leon - get married; it's the best way to ensure your wife thrives financially. When she grows tired of being "tied down" and feels "trapped", she's guaranteed to get 50% of your retirement and a large chunk of your savings after leaving you. Remember, my friend, women don't marry for money - they divorce for it.
The caller undecided about having a baby or working already knew the answer to her question. In my opinion, some people call the show and waste time. To grapple back and forth about the price to have a child to wanting to contribute financially to the family makes no sense to me. Either have the baby or delay.
For Andrew who did the debt free scream..I wonder how much he actually paid on his debt on his own and how much of the sale of his house helped towards that..
Leon was one of the worst calls I’ve heard on here. Evaluating his fiancée’s worth based on health insurance, not that fact she’s the MOTHER of their child. She was “brave” during Covid, yet not a child birth?! He doesn’t value women! I wish JD asked Leon about his relationship with his mother. I feel so bad for his fiancé- just send her child support so someone can love her properly!
If bills include food and gas you have $900 left. Do you have debt? Use reminder to pay debt. If no debt use it all to fund an Emergancy fund $10,000 which will take 1yr. Depending on your age if you are young save $600 a month is a Roth IRA to max it out. If you are older set out a few hundred for fun save the rest first in a Roth IRA the rest in ETF based on the S&P 500 Either way try some way to get your income up. $2000 is a very fixed budget
Caller at 33:00 - "NO MORE KIDS!!". Period. You had two difficult and expensive pregnancies already. You need more money - not more kids. And anybody who is thinking about having more than two children in this day and age doesn't need an obstetrician - they need a psychiatrist.
![Digital Circus Episode 4 [TRAILER]](http://i.ytimg.com/vi/abZtsmMUbJo/mqdefault.jpg)
Thank you very much Dave & John for expressing the “ contribution “ your wives have made throughout your marriages.
When people used to ask me “ where do you work?” I would say,” I’m just a housewife.”
Even though I was co-owner/secretary for our family owned & operated carpet cleaning business for 35 years, while also raising our 2 children and giving free day care to my 2 grandsons for 4 yrs each until they went to pre-K.
Then in 2019 , while my daughter was filling in as caregiver for my 84 yr old dad who has Alzheimer’s, while I was in Texas due to my husband having heart surgery, she retired me.
Now I am caregiver for my husband and continue caring for my dad’s finances and his rental properties.🤦♀️
I wear many hats and I know I have “ contributed “ through our 44 yr marriage!!! 4:58
I love how Dave gave his wife FULL CREDIT AS HIS PARTNER WHO CONTRIBUTED IN MATERIAL WAYS - childcare and “holding down the fort”!
A true man who took responsibility for errors he made early on , but worked their way out of the disaster with a sensible method instead of playing the “PITY PARTY” deal! WHAT A GUY!!!
He’s a great role model for men!
calm down, Nancy Reagen
want a cookie, Becky?
Love this duo! Love how Ramsey gives his bride so much credit for what they’ve BUILT ❤
Me too!!! My husband and I just passed OUR 39 yr old family run carpet cleaning business to our son-n-law & our daughter.
I had helped my husband grow the business by being his secretary, taking business calls and scheduling jobs.
At the same time I was a “ stay-at-home mom of 2 children and was free daycare for my 2 grandsons until they each went to pre-K.
Even after my husband became disabled at age 62 I continued on as secretary for my son-n-law who lovingly came to our rescue and took over cleaning carpets.
My daughter finally retired me when my 81 yr old daddy came to live on our property.
I had the privilege of caring for daddy for 7 years before his Alzheimer’s journey ended in March.
So you can imagine how frustrated I was last night when he said,” you know this business was MY baby.”🤨
So yes I really do respect Dave for his respect for his partner!!! 2:47
OK!! to Andrew, who was on the show today thank you for inspiring me! I’m a crisis counselor, which means I’m not rolling in the dough :-) I was so impressed to see how much money you paid off. It’s giving me hope! Thank you so much for being on the show and encouraging me :-)
You rarely hear single dads on here, you can feel the stress from his voice thousands of miles away
Ben, I've been in a similar situation. My best advice would be to request mediation. There you can make your case to someone more rational. Judges almost always side with the mother. You'll go broke before and then be forced to settle. Really lean in to how you obtained primary custody and how her issues would be detrimental to the child. Also, get your son in to a church program like Sunday school and some sports if he isn't already. Try to anchor him in Utah. In the end you'll probably have to give up some parenting time. I wish you the best of luck.
Andrew from Burlington is an absolute hero. An inspiration and a true true legend
Omg! I'm so thrilled someone told me about your channel. God bless you both. Thank you so much for helping a lot of people ❤
Way to go Andrew!! I love seeing singles on the debt free stage. It gives me hope. For some reason seeing couples pay off large numbers aren't as inspiring to me. You should be extremely proud🎉
Not that the couples don’t inspire me. They do. But doing it on your own takes a special kinda moxie that you have no choice but to find inside yourself. That’s powerful.
Go Andrew! 🎉🎉🎉 He busted it! That was inspiring, I’m in tears of happiness for him🙏🏼🙏🏼🙏🏼
I have a feeling him selling the house was basically most the debt he needed. 150k from house..: but likely made 50-80k on sale as well. So paid off most debt with the earnings
@@AllthingsRoccoand now he doesn’t own a house. I’d never sell. He did so well paying half the debt. He could have paid off the house too or downsized.
Thank you Dave!!! Giving Sharon credit for contributing to your success. ❤❤❤
Loved hearing both of them giving such credit to their wives who "hold down the fort...and the drama". If that was said more it would save marriages...
Fun show guys!! Loved Dave’s discussion on setting yourself up for retiring with dignity when you’re late to the party
the life insurance one .. happened to me, the sensationalizing of spouses killing each other for life insurance has guys petrified to have any, My husband cancelled his when we got married .. I knew later on but no matter when i brought it up i was made to feel bad.. and he passed away from a heart attack last June,
i’m hindsight he wouldn’t even sign for me to even get a 10k policy from my bank to cover a funeral. 😢 i should have said more done more but here I am picking up the pieces, my heart goes out to the lady that called in. we get guilted like we are gold diggers if we question ANYthing regarding money, it’s awful.
The first call, the fact that his ex wife's new partner wants her to get the kid after she had no interest in the child prior to getting with the new guy feels super creepy.
Definitely 🤢😬
The woman needs to lose her new partner
Something was up with that scenario. I’m sure there’s a lot more to the story
This is a common scenario, unfortunately, and the woman thinks it's so great but the guy just wants to sexually assault the daughter. Or the son.
@@clairewillow6475are you assuming that because a woman can’t do something that bad?
That was so kind of Dave to give his wife so much credit ❤ What a loving husband x
Debt is like keeping your ship heavily laden in a storm. Lightening the ship will help you weather a greater storm than you ever could before.
If your ship is too light, the wind and waves will knock it over
@@Nigriff that would be analogous to not having enough income to meet your needs than the lack of debt. However, even in stormy seas dingies are used to keep many people at a time safe. It would be hard to have a lighter vessel than that.
Congratulations, Andrew. Way to go, all the best!
Dave and John are the men 👍
Great show Dave and Dr. Delony! Thank you
Go Andrew! Love that guy!!!
Great show , so much wisdom in so many situations.❤
The guy that paid off 303K with a lower salary is inspiring! I really have no excuses.
Same, and I thought I was drowning with 11k unsecured and 46 secured debt . With only net 2400 a month
Thank you Dave, and John, for giving us hard working SAHM/Homemakers credit ❤ we’re just trying to do it the ol’ fashioned Godly way and are truly grateful because not every gal can 😞 (many also don’t want to sadly)… I’ve always been “born in the wrong era” anyway haha. Super ol’ fashioned. Try to live simple. But yah, we definitely keep the fort held down ha. Constant cleaning, everyone’s laundry-wash, dry, fold, put away, dishes (don’t have a dishwasher), preparing fresh fruits and veggies and our huge daily smoothie, making meals (never eat out except very rare occasion), baking, ordering groceries online then pick up, then put away, making list of stuff out of/need, paying bills, business calls that are needed, spending time with kiddo who’s not in school yet, dealing with school stuff from kiddo who’s in school-class parties/events going on, going over school work and helping and cheering him on, and on and on and on 👍 hardly sit down. But truly grateful, wouldn’t want it any other way ❤ then hubs comes home to things done, peaceful overall and only has the drama of kiddos fighting at times haha 😜 which is just normal life with kids. PTL 🙏
I second everything you said about being a stay-at-home mom!
I had the joy of being able to attend all my children’s school events and standing in for field trips w my 2 grandsons as their momma was growing her career as a beautician and their dad worked our family owned carpet cleaning business when my husband became disabled. 3:25
Johns smirk when Dave mentions how much his advice is worth.... priceless.
The lady from MI doesn’t sound like a sound business owner.
Very impressive!!! Goes to show everyone can do it!
Dave: "avoiding debt is more important than being a student." This kind of weird is why I listen to the show.
When Chuck Norris looks in a mirror, the mirror shatters. Because not even glass is dumb enough to get in between Chuck Norris and Chuck Norris.
I take all of the groceries in one load and love it!!!
I’m currently unemployed. Dave hey you are in a good place lol
It makes me sick when people put kids in the middle of their own issues
They're leverage 😂
@@Scott-got-caught that's how you mess kids up for life. Be an adult.
If you do not have the same goals. Dont waste your time with her or anyone. It will never change. Ask me how I know
HOW. DO. U. KNOW??
How I know?
Some of these lawyer colleges offer free counsel and helped you out and they probably other organizations that do the same
Yes, I got 150K. I want to know if I can use it for retirement or for a house. Oops, I forgot to mention that I have an 85K student loan 🤨😕🤦♀️
Student loans first
First caller, make sure you are transparent with your son about everything thats happening.
Anout time Mr. Delony shows up to work😉😆
To the mom who wants another baby. It takes 9 mths to cook a baby. Use that time to save up your emergency fund. When your baby comes home become a stay at home mom and when you're ready, and if you still want to at that point start studying part time.
Mr. $4800 For Health Insurance... your baby mama needs to leave and get you for more than that in child support because you don't know if you love her that much.
Gets debt free! gets laid off. Yikes. Good luck young man, you got this 👍
Do it, Leon - get married; it's the best way to ensure your wife thrives financially. When she grows tired of being "tied down" and feels "trapped", she's guaranteed to get 50% of your retirement and a large chunk of your savings after leaving you. Remember, my friend, women don't marry for money - they divorce for it.
Maybe. There may be more than one reason why he doesn’t want to get married to her 😂😂.
The A team
The caller undecided about having a baby or working already knew the answer to her question. In my opinion, some people call the show and waste time. To grapple back and forth about the price to have a child to wanting to contribute financially to the family makes no sense to me. Either have the baby or delay.
God bless you
It’s probably because of child support. This could possibly be effecting her new partner.
Her..who? Mention a time frame in this video to reference who you're talking about. It's a 2 hour long video
@@motoryzen i didn’t realize it was that long.
@@darronrbrown_ it's Dave Ramsey show...it's always been around that length 😂...for literally 15 plus years now
@@motoryzen i watch the highlights. Show must have came on without me noticing.
@@motoryzen think it was like the 2nd or 3rd caller
Edgerton Wisconsin!
What does Genesis #:16 say?? In Righteousness.
Yay Andrew!!!
For Andrew who did the debt free scream..I wonder how much he actually paid on his debt on his own and how much of the sale of his house helped towards that..
It was great to hear a single person do it, but 300k in 4 years, the sale had to do it. Plus he said he sold "to help." Still happy for him.
How about parents helping
His house sale paid off 125K of the 303K. He still had a huge hill to climb.
He still had a huge amount to pay off . It inspires me to have people making it work on a fairly average salary. Way to go!!
He used his money and resources wisely. Still counts, he probably made a good investment and profited off it which is great 👍
If I were Ben I would move where she is and work out a visitation with courts .
Bad analogy with groceries... just carry a couple bags at a time or ask kids to help
What is the name of the song in the beginning?
Eye of the tiger
It’s Gerry Rafferty Baker Street as the main theme song
Don’t get married brotha ❤
Just realized he is left handed... the doctor
How can I get Kachava to stop advertising to me? Will NEVER buy from them...
Leon was one of the worst calls I’ve heard on here. Evaluating his fiancée’s worth based on health insurance, not that fact she’s the MOTHER of their child. She was “brave” during Covid, yet not a child birth?! He doesn’t value women! I wish JD asked Leon about his relationship with his mother. I feel so bad for his fiancé- just send her child support so someone can love her properly!
Leon is a narcissist
Missed it
Missed what? Clarify
lol Dave is totally out of touch with medical costs
I would like to know how much i can save when i rec 2000.00 mthly , rent 700. Bills is 400.,please help
Wow, $700 rent is a dream to me. I wish. If rent and bill add $1k. You have $1k left to invest in EFTs.
If bills include food and gas you have $900 left. Do you have debt? Use reminder to pay debt. If no debt use it all to fund an Emergancy fund $10,000 which will take 1yr. Depending on your age if you are young save $600 a month is a Roth IRA to max it out. If you are older set out a few hundred for fun save the rest first in a Roth IRA the rest in ETF based on the S&P 500 Either way try some way to get your income up. $2000 is a very fixed budget
Try to have a savings between $1,000-$2,000.
2. Pay off debt
3. Invest your hard in money
Work more, and try to get your pay up.
Caller at 33:00 - "NO MORE KIDS!!". Period. You had two difficult and expensive pregnancies already. You need more money - not more kids. And anybody who is thinking about having more than two children in this day and age doesn't need an obstetrician - they need a psychiatrist.
👍🏿
Did you see this chat? Coach steve money is a clown. How hard is it to tell someone 15% of gross means only 1 thing?
As an animal lover the story ab the dog abuse was HORRIBLE. Please no more of that
Thats what you get for simping
It's a 2hr show 😂 which caller is simping
@@Scott-got-caught all! Every problem you hear is related to wife spending or debt cause of marriage or simps paying gf or wife's debts...