Quit Looking for a Shortcut! | January 15, 2024
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- Опубликовано: 11 сен 2024
- The Ramsey Show (January 15, 2024)
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I'm a non-US citizen who loves your show and message (we're 100% debt free with a paid-for house). I've been telling my adult children about you for months now, but it's only recently my eldest daughter started listening to your podcast. I was absolutely thrilled to receive this message from her this morning.
Mum, I think listening to Dave Ramsey has been the best thing ever. So glad you recommended it. I’ve now made over £50 on vinted as well. I’ve also bought George Kamel’s book on audible (I had one credit to use when I cancelled my subscription) and maybe you are right about the car loan. Maybe I’ll keep the Mini when it’s paid off. I’m off to the attic to get some more clothes to sell. 😂😂😂
A massive, massive thank you to Dave and the team. You truly do change lives.
That is fantastic. Are you in England?
So great to see your children follow DAVE RAMSEY and what the Bible teaches. 🙏🏻
@@dianem4188 She's in the UK, I'm in Portugal.
Yay! 🎉 That's great news :) We're in the UK (S. Wales) using the Ramsey plan and we do the same, gently encouraging others to see the truth of their situation. Our heavy socialist society really is bent on keeping people trapped in the thought of "what the government can do to improve my life" when it's ALWAYS our personal responsibility! Way to go Mam, you're doing a great job xx
Ill
"Make the big decisions first and then manage them for years." (John Maxwell) - GREAT quote, Ken!
Thank you Dave, George, & Ken! I hope you sell millions of copies George!! I remember when you were the lobby interviewer and now you are my favorite Ramsey personality tied with Dave himself!
Me too!
Once you're in your 60s, NOTHING is better financially than having a paid-off house and no debt. You can live with much less if you have to.
So your kids can inherit a paid off house. got it.
Paid off the house and now I can live off my social security. Won’t have to touch the investments for a long time.
Then don't pay your house off. Some ppl have good kids and don't worry about that. (Keep paying the bank your 2-6% interest to not "leave your kids a paid off house")
@Miranda3730
I am in my 60’s and working on finishing new construction cash only. Don’t own a CC either. It is freeing to not owe anyone.
@purainteligencia you can also just not leave the house to the kids... or pay it off and then do a reverse mortgage back to the bank... there is plenty of ways to make sure your stuff dont go to someone after you pass
So freaking excited for George’s new book!!! Seriously anyone reading this comment should pick it up. I started reading it via E book (people who preorder got it 2 weeks early) and I’m declaring it is the BEST financial book I’ve ever read. The way George is so detailed in how he breaks things down plus the snark and humor this book is just so enjoyable and insightful.
You’re too kind!! 🥹 Thanks so much! Glad you’re enjoying it!
Hi Whitney Nice u support ur husband Lol Go George !!
Flash, I think it’s time for someone to put you on the Ramsey payroll! 🏆😊
@@BeeDee-qs9so I’m just happy to support the personalities who are changing people’s lives and also I’m not exaggerating. George’s book is SO good and very in depth as well as funny. ❤️
@@flashthecorgi2053 I have no doubt. Looking forward to my copy as well!
One of the great things about the Dave Ramsey plan and the Ramsey Personalities is that a new normal is being created. When I managed low-income housing for decades I heard often that people spent money that they really couldn't afford to spend on movies, McDonald's, vacations, etc. because they wanted to be "normal" once in a while. They wanted their kids to blend in with schoolmates talking about experiences and presents.
George is so humble. Just love your spirit.
I love when Dave corrects people claiming to work his program 😆😆 he’s like no let’s be really real here….
😂
I really love having something to talk to about it all now. We were talking baby steps last night. :)
Thats why I call BS when they say they helped millions get out of debt.
@@bryan_witha_whyy do you know how many millions of people there are in the world? 😆
@@alexisballard1459 How many of them have no debt because of Dave Ramsey? It’s not a million I’m sure. People can SAY whatever they want. Most people don’t work his plan properly and stay debt free.
No one advices like Dave Ramsey!!Full of wisdom and realistic thoughts.
Add to the guy that said he does not have enough time. When I was in my 30 to 35 I had twins girls then 5 years later a single birth son. I went to school full time babysat friends kids, then went to Work a full time job while finishing up school. Left the house at 6:30 so up earlier getting kids ready and fed. Take them a daycare and drive an hour to work. Husband picked kids up. Or I did. Fix dinner. Clean up house after putting kids to bed and in bed by 11 pm if no one is sick. Dude you do not know what work is
Love when Ken is on the show!
In the restaurant business we say, Thank God It's Friday, because that is when people blow a lot of money in our establishment.
Love it! 🤣And I am SO GLAD for people who are willing to work because so few are these days! At our ages we eat out a lot. We don't blow money doing it, but we DO tip well. So grateful for servers!
I would like Ken to be able to do his job without interruption. We don’t see enough of Ken as it is. Allow him to do his role on the show- I would love to hear him finish a sentence! Ken is always so gracious about it.🙄
Ken Coleman doesn't get enough love on his channel. George is great but doesn't really add much beyond Ramseys advice except for the entertainment. Ken Coleman is giving new and good advice beyond Ramsey
@@JacobJacobs8937 He is older than the others and has a different perspective - excellent communicator, too, who really listens to the calls.
When I handed out “allowance” to my children, there were strings attached. They were required to tithe, and they were required to save. They were also required to account for every penny, on paper, before they got the next cash infusion. Every one of them has thanked me after they reached adulthood for the financial education that provided. If they needed extra cash, I would pay them for services (not regular chores) based on double the minimum wage for how long it would take me to do the job (ergo : if they dawdled, it was their dime and not mine). It was fascinating to see who would hustle and who would live on less and read a good book on the weekend!
It's free to borrow books from the library!
That's what I do!
I love some of the new music during the scripture reading!!
I'm 67 and my CFO asked me if I would be interested in a lead position because of my soft skills
Show starts at 10:40
Dave I love your sweater 😊
I always value Ken’s advice ❤
I've taught both high school and community college. Holden's advantage is that he teaches in an area that is an elective and so students can CHOOSE to take his course. A lot depends on what degree he wants involvement with students. Ken, jobs at a four-year university would likely require more than a master's degree. I taught full-time at high school and part-time as a community college professor for 35 years. My suggestion is that he do both - and he can always move to a full-time position if one comes open. BTW, full-time jobs at community college are difficult to find because there are so many people who can teach part-time.
Joining the marine corp is a great way to stay out of debt
One will learn how much they live without. Enhances appreciation for what you have.
speaking of buying a home for $13k. My husband and I
Bought a 3 bedroom, 1 bath new home for 13 K home with his VA loan in OKC in 1961.
Can’t wait for George’s book to come out tomorrow
Grass is always greener on the other side. Shouldn't forget your benefits, 401K Contributions, healthcare, life insurance, short and long term disability insurance, paid time off, paid overtime, anything the company contributes to or pays in full. Had many friends jump ship for money alone only to find out that the new employer paid for none of the benefits they took for granted. I had many chances to leave the company i retired from after 30 years but what kept me at the same company for thirty years were all listed above, a lifetime monthly pension and much more. Sometimes after leaving a company and trying to return after you found the new job was not researched well many find themselves being hired back under newer less favorable employment contracts. Just be careful and do thorough research before leaving steady employment for a raise.
Having a paid off house is fabulous. However, 40% of our monthly payment was taxes and insurance, which will never go away, and will actually increase each year. I wholeheartedly agree with paying off your mortgage, but it's doesn't necessarily set you on the road to have loads of extra cash afterwards. I'm sure many will think I'm being "negative." I'm not...I'm being a realist.
I mean your not clearing your monthly payment, your clearing the mortage. So 60% of that monthly payment is still quite a bit of money that can now be put towards other goals/ wants. Your not being negative or necessarily a realist. Its just not what he is saying is all.
@@hermitabby I understand what you're saying. We're putting that "60%" towards retirement. I just don't think $750/month is a lot of money. It doesn't afford someone to do whatever they want, which is the mindset here. Now, if it was $2k or more/month, that would seem like more money to put away or spend. But $750? Not so much. My pushback is that it's made to seem that when your mortgage is paid off, it was a HUGE amount of money each month, but that's not always the case. I feel that's realistic.
@@bettedavis9261 yeah I guess I can see what your saying. Im only 22 so maybe because Im just starting out (Been living on my own since I was 17) so 700 extra is a great amound of money. I can only put 130 into retirement right now. No thoughts on vacation. 700? Thats a vacation for me lol. I just dont see it to be necessarily realistic because the point isnt to have no monthly payments you need insurance especially in retirement. 700 is more than 0.
@@hermitabby you're right...$700 is definitely more than $0. I'm also 40 years older than you, so my life is a bit different than yours. Good for you for putting money away for retirement! You're doing fabulously. Keep it up!
Paying off your house with your 401k when you're still working and have less than a million dollars is dumb. I'd rather keep my mortgage payment and have a larger nest egg.
Cami parents remind me of myself with my kids. On the drive into kindergarten we are listening to Ramsey. My Kid talks Abt budgets and what I was allowed to spend on my bday...$30!
Love the "Uber ride from hell" analogy
That’s why I love Ken, he’s practical and he thinks ahead. No Dave you don’t want to show the kid your $80,000 budget, people have died for less.
Ramsey: "Somebody got impulse fever" ..... Walken: "It needs more cowbell!"
3:12 'break free' : I don't have consumer debt of any kind, viz, loans, credit cards, or any form of borrowing; Except 1 car loan at 0% (I know, 'they got me,' a few years ago) and mortgage at 3.75%. As for student loans; No degree, no debt! I ordered your book as part of research/study for a book I am planning to write.
I love how your statement starts with “i don’t have any consumer debt of any kind” and it ends with you having consumer debt of some kind 😅 glad you’re watching the show, you need it
@@alexisballard1459 car and home can be consumer debt if they costed me an arm and a leg, but are necessities; still debt indeed to be gotten rid of ASAP.
A car loan is consumer debt.
@@annamineer2521 Yes it is.
Well if you live in a rough part of California, it’s the kids too. I’ve been harassed, name called and absolutely ignored by my older students. And I’m talking about the older students in elementary school. It’s really rough out here as a teacher in many ways. But the politics definitely don’t make it easier.
Kid working the asphalt job needs to work for one more season but for a company that will help him get his CDL and hoisting engineers license. Instant access to $100,000+ in many different fields. Then you can get a job that doesn’t beat you up while you study to get a trade job or something else you’re interested in
Suggestion: A talk or a book on investing That’s something I’d buy
Please don't hate, but I think this is the episode that finally convinced me the Ramsey way isn't for me. I've got 750k in assets and 340k in debt (including my mortgage at 4.5%) that I've been working hard to work down (excluding the mortgage). Mathematically, it makes more sense to keep the debt rather than pay it down with assets, but it has been causing me anxiety.
Here, Ramsey asks a caller if he had 400k in assets and no debt, would he take on a new debt of 188k at 3.5%, because he wouldn't. I would. In a heartbeat. That's $235/mo income stream in todays market at near zero risk due to high yield savings accounts, and it could be paid off in an instant should market conditions change.
Ramsey, I love y'all. You've done amazing things for millions of people. For anyone with 5 figure or less net worth (or especially negative net worth) you ARE the right people. But I'm done being anxious about debt that math accounts for. God bless and keep being yourselves :)
I wish you good luck with your journy. Ramsey is most definitely not the one and only right way. Its meant for people that are either bad with money or have no direction and just want something simple and easy to follow. I have 0 debt as Im only 22 but I dont want to do complicated math problems since Im so busy with other things, I dont have time to finagle with the math to maximize. I just need it simple and easy to follow for now ^^
I hate when he tells people to pull money out of their 401k to pay off their mortgage. He's entitled to his opinion but he should be offering the alternative view because once that money is pulled out it's gone.
1:46 Waiting for the book.
I do have to say that I like when Dave goes into his couched political statements. He is more fair than most even realize. I’m this show he went after the far right for how they go after every teacher.
I was so glad to have bought a house for less than it was worth in 2011. I refinanced in 2017. I will have it paid off early within the next 2 years. I never could have afforded one of those $440k houses.
Why do people not get that they’re losing money by having debt and investing their money into the market. Doing both makes no sense and you get no where.
I did asphalt for about a year and a half. It is no joke. Especially not in South Carolina in August.
I already really enjoyed this show a lot but after their comments on Gen Z made me happy. I was partially worried that it was going to be a big generalization of my generation but I liked how they seemed very fair and understanding of the things we tend to fall short on and why. I love this show because they seem very fair for all people.
Is there a Baby Step plan for small business owners?
Sort of, EntreLeadership.
I Ask of God to Help me Build a 200,000 dollar Home Addition for my Family to Have a Great time
25:32 'wood work' : why not? I love it.
A credit union is the easiest place to secure a loan. All you need is proof that you are working and a moderate credit score. The longer you are a member the easier it gets.
Who cares about loans and credit scores? No thanks.
I realize the point you are making but if you NEED a loan CUs are the way to go. If you don't then your credit score will eventually be zero.@@amireallythatgrumpy6508
Be careful on your retirement distributions per year. Being married and age 65+ you want to avoid exceeding 206k gross income per year because Medicare IRMAA kicks in. If you go one penny over 206k, Medicare Part B costs about $85 per month more for each of you ($2040 annual). The next hurdle is 258k, you can add another $125 per month for each of you ($5040 annual). The following hurdles are 322k, 386k, and 750k.
IRMAA started in 2003. Most people never heard of IRMAA, but get surprised when they sell a large ticket item and encounter high capital gains in one year.
As a 62 year old. I find that not all but quite a few younger people just don't want to work. Or they come to work or while at work get high or drink and that CRAP needs to stop. I find some younger people lazy and crude. And I am at the point where I just want to stop working.
George!
Bakery guy... I know a couple who once owned a restaurant, after that venture he got on the sales team of the group that had sold them bread products for their restaurant - his top sales years had him making $400,000 p/y
Please just relisten to 5:11 and on. So funny
8-10 hours of “free time” including sleep is not enough. That’s a 14-16hr work day.
I did it for years. Now my 2 houses are paid for, everything is. I retired at 51. Now I do whatever I want. Now my hobbies are starting to become income streams, without me even trying or intending for them to. Because of focus and work ethic.
Brian:Ive been following you for years. I know there are programs for loan forgiveness if you’ve been paying awhile. I make 90K per year. What are your thoughts?
Dave: Pay your loan off.
Did you really think he was going to say something else Brian? 😂
I remember when Russ Witney had mentor programs for 10-30 thousand 😮
i missed it but i got it today
Dave, guy making $60k asking if he should withdraw $22k from 401k. You said he is in 25% tax bracket. That is factually incorrect. Maybe 12%. No way it is 25%.
Yes until god comes back 😂❤
Is it better to rent in old age or buy a house? I feel like owning a home locks you into a city/state. What if you want to move? Is renting an apartment a bad thing?
Why would you want to live in an apartment? Those things are full of pests.
But isn't that a major benefit of renting? So you won't be locked in one location? It makes you much more mobile.
@@garyblade2332 Yes, the mobility is good with renting, but I ask because I'm curious which way is better for your finances? I suppose if you rent it's probably more than buying a home over time? But if you want to not be locked into a city/state, then I personally think it's a better idea to rent. What are people's thoughts on this?
50k miles on a 2023 mini cooper!? Why so many miles?
Dang missed the opening
Hey Dave, what's your thoughts on me buying a EV mini cooper? lol
4 to 5 hours plus your sleep Ken.
13:57 Christopher, hello from a fellow Dallas-ian/Texan
I was heartily disappointed in Dave’s summary of the young man in foster care. To characterize a young person in foster care as someone who is potentially manipulating or “working the system” is appalling. These kids need compassion and yes, some direction; they have had no say in the path they find themselves on. Think before you open your mouth, sir.
You are as naive as Dave is wise.
You are as naive as Dave is wise.
You are as naive as Dave is wise.
You are as naive as Dave is wise.
You are as naive as Dave is wise.
You only have 4-5 hours to sleep and spend time with your family? I think you misunderstood the 22 year olds problem. He didn’t say he only has 7-9 hours of “free time”. He was talking about SLEEP and free time. Then they both made fun of him. Sheesh.
Omfg quit telling ppl they can make $20/hr at Target and Walmart. It’s not true.
Depends which state.
In some locations, they can but FOR PART TIME WORK. So they'd need two or three part time jobs.
@@jackooboy1yeah like I’m Seattle, but that’s poverty wages there. You aren’t getting paid $20/hr in Alabama.
I mean you can...
I worked in warehouse places making 15 to 18 (always went up) and now just got another job starting at 20.50 it just depends on the state but yes I have seen the advertisements for target at $24.
29:31 Debt free life/riches and great relationships Exemplary Christianity Ramsey and Co. Data/Experience Common Sense Proverbs The Bible Meaningful life on Earth
That first caller had dioreah of the mouth. Holly shit. Right when you think he's shutting up he says "my question is"
1:06:30 if you think that her parents didn’t give her that $40k out at least part of it then you are in denial. MOST people are not that privileged Dave. So don’t act like this can be a millennial or Gen Z norm. As an immigrant from Haiti who’s parents sacrificed everything to bring our family to the US and worked house keeping at Disney to help me through school, they didn’t have $40k give me at 21.
So be gappy for her situation, but start mocking other people who feel hopeless when you have to try to care of yourself and your parents….. oh and your own kids.
I know they’re making a boatload of money, but it has to be kind of boring to tell people to do the exact same thing over and over again. There’s no reason to call the show there’s no reason to buy the books. They literally tell you the same thing. All you need to do is google the baby steps.
7:14
George, STOP saying no one learns financial literacy in school. In our state taking a personal finance/econ class and passing the end-of-course content exam (on the computer) is a graduation requirement. But knowledge, unfortunately, does not always transfer into action.
❄️❄️❄️❄️❄️
Boomers have been a voting force since the 1960s. Voting for stupid expensive deficit spending bills ever since. Government spending has made the ratio between housing prices and median income significantly higher for several reasons and this is a barrier to entry into the housing market.
I just had to make more money. I can't change the hand I was dealt.
Boomers should humble themselves and accept some responsibility their part in the largest growth in unproductive debt in human history sending asset prices out of reach. Mostly government and consumer debt is unproductive.
"The hood"? Yikes Dave. 😬
There goes Dave with his 8% withdrawal rate again. Dave, it's time to admit you're wrong.
He said number one podcast last month, only 4500 views in 2 hours hmmmmmm.
Dave and some of the personalities have it on their social media if you need proof! 😉
RUclips is one of many places it's uploaded. And he's probably including the many live listeners in radio (terrestrial and internet radio).
I never watch live, but after on my way to work for my 72 hour week😊
Is this a podcast? It isn’t this is the RUclips video of the radios show. The radio show has a podcast also. lol.
I saw them in the number 1 charts on Apple that day… this is just one of their many platforms for the show
And gd stop with the going on and on about the damn gd call!!!!!
Is English your 41st language?
Cody does not how to speak. Cringe
Almost as cringe as sentences missing a verb.
Regarding the call at approximately 54:00 in, I severely disagree.
You may benefit from reading my post if you're young and stuck in a dead end job BTW.
I think the question was misinterpreted by Ken. The person who wrote in was talking about having 7-9 hours TOTAL after work, including time to take care of himself, eat, and sleep. Ken responded saying that he only gets 5 hours a night after work - I think Ken was talking hours of leisure/self-care time BEFORE sleep. Having less than 5 hours of sleep per night makes it sound like David Ramsey is in violation of some labour rights lol. The competition of who operates on less sleep is a conversation idiot 19 year olds have with each other because they haven't learned how to effectively manage their time and how important sleep is to your health. People deserve a full 8 hours of sleep; chronic sleep deprivation is not something to be proud of, it causes brain damage over time.
The spirit of the question was also just deflected.
The spirit of the question was - "I feel stuck in a dead end job which pays very little and has taken over my life. I have so little time in my day after I finish work that I do not have the opportunity to meaningfully better my life. I could go back to school, and I wonder if that's a good idea."
If you read between the lines a bit, the additional subtext is the affordability of an education - people still see education as a one of the clearest paths to improving income, and this person is asking, "I make so little that I cannot fund my tuition or pursue school while I work this job. Is pursuing education to advance in this career path advisable? How can I pay for that, if student loans are ill advised? And if I should not take on any debt, how on earth can I make my life better or earn more money, with little experience, no education, and virtually no free time?"
Basically - my life is hard, my income is low, I have fewer opportunities compared to other people. I don't know what to do - I want to make a change and better my life, but I don't know how. What's my best move?
Here's my advice; apply to thousands of jobs. For years. Here's my story.
I was in this situation almost exactly, though the labour was less intense. I was working about 60-70 hours a week, working 2 jobs just to make ends meet. I have avoided debt all my life. I was estranged from my family because I got bad grades which lead to arguments and then getting kicked out at 20 years old. I refused to take out student loans to continue my education.
Both jobs were at grocery stores, packing and unloading heavy boxes for the meat department. They paid minimum wage, they had no upward mobility especially for someone without an education (no way to get one of the corporate jobs unless you had a degree in HR, computer science, marketing, etc, and people were only promoted to manager positions once every 4-5 years - NO WAY I was going to wait that long). Then I got news that I could no longer lift more than 10-15 pounds because of a back issue - I have no back pain, fortunately, but too much stress on my back could cause me to need surgery. I got a note from my doctor, and I got permission to work the cash register, but I could tell they were trying to get rid of me so I was scared.
chronically
After that, I applied to hundreds of call centre jobs. I started off at $13 CDN/hour at the grocery store when I was 20. Last year I was making $35/hour in a government office. This year I started a job paying $90k a year doing the same government job but in the private sector. If I do well and pursue certifications that my company will pay for, I could be making $105k within 5 years. I do not have a completed education, and no one has ever connected me with a job.
I applied to over 6,000 jobs in the last 10 years.
Every time I got a better job, I would only look for jobs that paid a higher amount. Of all sectors, call centre jobs don't care much about job hopping as much, because the call centre turn over is SUPER high. I viewed each application like a free lottery ticket - an extra few thousand dollars for the a year for the rest of your life, and your odds off winning are literally over 1,000 times better than any lottery.
I have about 60 different subtle variations of my resume, each that use different key words or highlight different experience to better match the job descriptions. You don't have to start off that way, I'm just trying to say - it's not easy, you have to grind it out. I made it easier for myself to apply to more jobs because more versions of my resume meant that I had to do less editing over the long run. With no education and little experience, it is very hard to apply to jobs, you are probably one of the most disadvantaged groups in applications, so you have to overcome that by applying to more jobs than other people do. Get used to your resume being ignored and rejection emails - if you're applying enough, you'll probably get several rejection emails per week and it won't even phase you anymore. Ignore people who say "it's who you know" - if you don't know anyone, that sucks for you, you just have to apply to more jobs. I got resume help from reddit, community centres, colleges, family, friends, and I googled scientifically backed research on how to actually improve your resume (tip - the most successful resumes are between 500-600 words, with high word diversity, and E or F pattern formats for white spacing, google it. Unfortunately, it's also true that if you whitewash your name you get more responses, like going by Joe instead of Jose - not saying that's right, but that's the REAL kind of advice you will never get from a professional, it's actually one of the biggest factors you can do to improve your resume). You can probably get a little bit of help from chat GPT today too which is great.
Only apply to jobs on the company's website. It's fine to use job boards to explore different opportunities, but once you see a job you want to apply for, google their career website and apply there instead. There is a scam, particularly on indeed, where people will post legitimate jobs, but the people posting them will be scammers, and the job application doesn't go to the employer. The scammer wants your resume because they know it's active and you're more likely to answer calls from numbers you don't know if you're looking for a job. Then you get a bunch of robo calls! I had to change my phone number after applying to too many jobs because I'd get almost a robo-call an hour and my device became almost unusable. Once I started applying on the company websites, it never happened again. You're also at greater risk for jobs that are too good to be true - make sure you google "cheque deposit scam". If you apply to lots of jobs, you will forget the names of some of them unfortunately, which makes this tricky. It's a pretty popular scam right now to offer remote customer service work. If you don't remember the name of the company you applied to, make sure you google them or check your emails to see whether you did actually apply.
Regarding which jobs to apply to, I can only advise on call centre work - you want to use the words "inbound" "contact centre" and "call centre" "words per minute" "de-escalate" in your searches. Jobs in tech support and public service will have the most stable, middle class employment opportunities. Jobs in banking and dispatch are iffy - they're kind of soul sucking depending on where you end up, it's a really mixed bag... banks tend to have better benefits but you're put in ethical dilemma's constantly to improve your stats. I would avoid jobs in collections, sales/commission, or outbound roles - when people see that on your resume they make assumptions that it's kind of trashy. I don't think sales is trashy necessarily, but it's very short lived and inconsistent. Sort of like how only young beautify waitresses make more in tips - eventually things change and your income is prone to a lot of fluctuation. I also volunteered at different call centres which put my resume over the edge several times. I volunteered at a suicide hotline, and as a remote call taker for a food bank. Construction customer service and dispatch is mostly a dead end too. I'm speaking from my experience as a Canadian, perhaps it's different in America. Hospital admin staff is okay-ish pay but don't expect internal opportunities without an education IMO - decent to have on a resume but not high paying enough to be at the upper end of call centre income.
I'm sure there are other paths, especially for people who are able bodied enough to be successful in the trades. If I were a young, fit guy and couldn't or didn't want to go to school, I think the trades are best. Unfortunately I'm a mildly physically disabled, 4"10 woman with less muscle than an 8 year old ... the trades were not a realistic option. I went the call centre route and I did okay :)
Are you ok?
Did any one read that?
@@purainteligenciaheck no!
@@purainteligenciaI didn't
Nope
Dang... Dave made his employees, or least the support for the show, dredge through the snow. Should've ran with a "replay" instead of taking unnecessary risks.
What’s the temps there?
This is the most ignorant show ive seen. Around here asphalt is 70 hour weeks commonly. What malarchy to compare and 70 and 40 hour week and then tell the person working 70 hours to stop whining. I follow the baby steps but this advice is ludocrus.
Whining in general is pointless and ludicrous.
@amireallythatgrumpy6508 he wasn't whining. He was asking advice.
Sad that they don’t take calls that don’t sound juicy like sugar daddy calls or 100s of thousands of dollars of debt calls.
Just wanted some guidance on how to allocate my savings and what percentage should go to paying off debt versus some big oncoming expenses in the next couple of months.
Was told to call back later after had already waited on hold for 40 mins. It’s all about views/ money for them. Makes sense since they’re entire channel revolves around finances.
They're entertainment for their listeners. Hire a financial advisors if you want personalized advice.
Just be smart. Think it through before you make a decision.
Read one of Dave’s books and you’ll probably find the answer. After the 1000 dollar emergency fund he recommends doing everything and anything to pay off debt including suspending 401k contributions until debt is paid off.
They had a few calls in this specific episode that were not like that. 😐 There was that 21 year old lady who was pretty similar situation to me and it helped me understand.
Oh also as for advice. Look into the 50-30-20 rule. Live on less than you make and throw as much money as you can at your debt. Then save a proper emergency fund. Eventually working your way up to 15% for retirement ect. You dont need a financial advisor just look for other avenues. Also the budget mom on youtube uses similar ideas of dave ramsey but is "nicer" (i dont find him rude personally) and she helps break down the actual budgeting process!
Dave quotes scripture simultaneously calling those in a legal great profession, as being all bad people selling trash. Dave is a phony & arrogant
I Agree with you.
It's the radical buttstuff Ramsey show.