There is no other personality like Dave in terms of being authentically straight forward, logical, not fluffing the caller, not wasting time stuttering, being long-winded, and saying too many words. Dave is truly the best.
Is someone gonna tell Dave that Michelangelo painted the Sistine Chapel ceiling and not Da Vinci? I've heard him make this reference more than once and no one ever corrects it. Michelangelo deserves the credit 😅
Not to mention that Michelangelo was in his mid- to late-30s when he finished it. I've been noticing these types of slip-ups from Dave becoming more and more frequent. I wonder if he's starting to have some issues.
@@nojokejoker5356 just researched. Sanders was 40 when he bought an inn and began his fried chicken journey. That was 1930. By 1939 he had perfected his secret recipe and started Kentucky Fried Chicken. Apparently the Ramseys strong suit isn’t history.
Love Dave, who has taught me a lot. One clarification about the Sistine Chapel: Michelangelo painted the Sistine Chapel when he was in his 30s. Magnificent work at any age. Love the show and we try to watch replays at night. Thank you!
@@EH-zd8jc It's okay, thanks. I love reading biographies and Walter Isaacson's "Leonardo da Vinci" is a favorite. I've read a good number of Dave's recommendations, as well. We share a passion for books!
I wonder if Dave is confusing his painters and thinking of Grandma Moses who started her career at the age of 78. I'm no art expert so I could easily make the same mistake.
@@thirdintegra I tend to show grace to on-air professionals who do live shows like this one. It's not easy to answer on-air questions, off the cuff and rapidly. I have enormous respect for Dave and the hosts. Not throwing shade -- simply sharing knowledge.
I was about to write this until I saw your comment. I think it's important to give credit where credit is due especially with pieces of art/writing/etc. Thank you!
@shap987 I am positive that I don't watch to critique Rachels hair and fashion. I have nothing personal against her but she is a poor little rich girl who has zero idea of what a financial struggle is. Dave has lived it and I am here for his experience. Rachel is just window dressing.
CPAs do need 150 credit hours in order to sit for the exams. One can be an accountant without being a CPA, though. As long as she isn’t planning to audit financial statements, she’s probably fine with just an associates in accounting.
As a licensed CPA in MI, "just go get your CPA" is not really how that works. Each state has its own requirements as far as getting licensed. there is generally the 3 E's 1 education: 2 exam and 3 experience. He is right on that she definitely needs to make sure she figures out what she needs to do to get it.
@@JD78CN 150 to get licensed but only 120 is needed to take the exam (that's what I did). I agree you don't need CPA to be bookkeeper. I just didn't want to lay out every single detail in a YT comment.
For the woman who’s husband didn’t pass the psych evaluation, try the appeal. If that doesn’t workout, work at UPS. It’s physical, keeps you busy, and great pay and health benefits!! Do that for the time in between trying out for law enforcement❤❤
I know someone who failed the pysch exam and he does security now. I was honestly happy. He was too young, arrogant, and hot-headed to be a cop. Hopefully, if he tries again, he will have grown up. Same for this guy. They fail them for a reason.
@@ashleenicole71 you can tell the security guards that really wanted to be cops. They go so hard for literally no reason, it's like bro see. This is exactly why they wouldn't give you a badge and gun. 😂
How about tell all these people who need new central air conditioning replaced for $10k to go out buy 2 or 3 window ac units for bedrooms spend like $600 & they will be just fine. I spent less than $600 instead of $8,500. My house is comfortable and its been 8 1/2 years still haven't bought the new ac system. Lol
@@thedude5040 I'd spend the 10k too, especially if she'll get it back when she sells the house. But she's broke, so some window units to tide them over until they can get the cash together is a good play. If the central unit is really inefficient, it could end up saving them money in electric bills too.
Dave is probably not aware that if you take Social Security early, they take a dollar for every two dollars you earn if you keep working and they deduct it from your next Social Security check. I think the limit you can earn this year is in the vicinity of $22,000. I definitely agree you should take it early and invest it but if you're still working you can only earn up to a certain amount.
People act like Dave Ramsey is heartless but he really isn't..he could tell immediately with the lady with a 15 yr old that she was very much struggling with confidence and he motivated her and made her feel better...plus encouraged her to find a career she wants.
I'm with you Dave. I haven't watched the Olympics and I haven't had televison ptogramming since 2017. I spend more time reading, on hobbies and on relationships. No regrets here.
I usually fall in love with my cars and keep them for 10 to 15 years or longer. When the cars start having too many repairs I look for another car. By then I've saved enough money to buy the next car.
Have a 2009 and a 2013. Both paid for and in good working condition. Proud to have both paid off and will tell anybody I’ve got no need to upgrade on either!
I didn’t know that I was working The 7 baby steps until I heard your show ! I’ve been called cheap and a lot of other names I’m sure. But looking back I was doing the right things. Living on less than you make , keep debt to a minimum and we paid our house off in 17 years. Now we have healthy emergency fund of a years salary and got money invested. We did all this on our own. But Dave is telling you how it is “just live on less than you make “ you can’t borrow your way out of debt
Dave might be wrong about the pysch exam. My husband was a cop for 30 years. Many pass and end up being a problem but they are very careful now with cops shooting more than they should and other things. The year might be just for them but it might be for any city nearby. They share results. My husband told his boss not to hire someone who didn't do well in another district and he regretted hiring him. I don't know this man but he needs to know why he failed (he might) and take it from there.
@@Nardaa-ox3be Yes, the gung ho ones cause pause now and some that love guns and were vets but of course not all. That can make them good officers too. . There have been some egregious cases that could have been circumvented with more cautious observance. Anger issues are a warning sign. Time will tell. The young man needs to know why and they owe him that.
Can't believe they didn't ask first caller how much she had saved making 300k for that long. She should be a millionaire. And she acted like she was about live on the street
The lady that wants to be a CPA- yes, at a minimum you need a bachelors degree. However, you can work for a CPA firm. You can do bookkeeping and tax preparation while you are getting your degree. Agree with Dave- start with community college and look at good online schools. For the online schools- make sure they have a good program- You got this- it’s never too late
I read the Automatic Millionaire by David Bach. Good book. Nice of Dave to endorse other personalities. He just wants to be to be Financially Peaceful. Love it!
For the woman asking about the weekends with her parents. Make time/budget for the time at the cabin! I unexpectedly lost my healthy father when he was only 54 years old. $22k in debt will go so quick when you buckle down and do it. You can't buy back time though. I would do anything to go back and have a couple weekends with my dad again. It's not some crazy vacation where you are spending a ton of money you don't have to go somewhere crazy expensive. Trust me on this!
If your A/C bill is $700 a month, I have a feeling it is just the fan running constantly on a nice big house. Turn it off. Get some window units and seal up those rooms you'll be using.
Why is it $3000 to go to her grandmother's birthday? Not counting airline tickets, my husband and I went to Japan for 2 weeks and it only cost $3500. She needs to do a budget for her trip, I don't think she realizes how much she really needs. Happy birthday to your grandma.
Fair enough, I don't have a budget set. I was planning this as, Whatever, I have 14,000 in savings. I can afford to do whatever. Then, oh, 10k in a failed bank. Well, I at least have 4K. Crap. Roof is priority. Omg I only have $400 in checking... I like buffer. I wasn't planning on spending 3,000. I wanted 3,000 in the bank.
@@Trustbutverify2651 Great Question. I was under the impression it was. They kept saying it was FDIC insured through evolve bank up to $250,000 . So I thought it was. I also wanted Graham Stephan's bank to succeed. I didn't use the features. Honestly I was set it and forget it. Not touched unless needed, but definitely counted in the safety part of my brain. I didn't question the safety. I would have thought when other banks started failing with fed tightening, I would have questioned bank safety. I didn't even think of it. I suppose I should have used Google. I assumed that I was good at decisions. I thought Graham Stephan wouldn't put his name or invest in a bad product. I was wrong. I had months of income I wasn't intending to gamble with. I wanted it to work. To be safe. It came as a shock. I wasn't prepared to realize I was being foolish. Until Coffezilla made his video I wasn't even aware my account was frozen, because I never checked it. Why I had money in a gimmick account I didn't even use the gimmicks of, I can't tell you.
Molly, put the money and future disbursements in a trust today! Have disbursements every 5 years so you grow and mature into yourself and your money and you both don’t spend it all at once or he doesn’t leave with any of it!!
Sammie in Phoenix definitely needs to find a job. Even if it’s only $14 an hour. I know lots of places need bus drivers at decent wages. In my city it pays $23 an hour to start with great benefits and free training.
At the 1 hr mark, moving for min. 16 weeks to make a little more per hour ($24-35) ?They have now doubled their living expenses by her living somewhere else. She needs to rent an apartment, cable, internet, etc, which are shared expenses staying in the same place as her husband. They will be further in debt if she does that, not less, plus gaz in driving back and forth to see each other, etc.
It might not be that much. Alot of travel nurses just rent a room or share housing with other nurses. Some landlords and Airbnb owners exclusively do short term rentals to travel nurses, and the rates can be pretty affordable. Contracts may also include a housing stipend and per diem, which covers living expenses.
Excuse me, socialize retirement it's actually a pension that it's connected to your age and years put in the work. In every other country in this world, anybody gets a pension after 65 which is adjusted to inflation it is guaranteed by the government our government spends the money on whatever they want because they do not care if elderly have money or not. It means if you were a cook all your life, you're still getting a decent pension when you get old. Plus you never get a bill for medical care
I was watching a documentary about Western women no longer having children. It cited studies showing that if a woman doesn't have a child by age 31, her chances of ever being a mother drop to about 15%!
@@myoldvhstapes sorry, but that is straight bullshit. 😂 The median age of first time mothers in the US is 30. ALOT of women are having their first kids at 30+, due to wanting financial stability, to finish education, and to establish a career before having kids. People are also getting married later in life than they used to, both men and women, which is helping push first time motherhood ages out. Throw that documentary away!! 😂
The entire world comes together and sends their best athletes to compete against each other. It's one of the rare times where humans of all different backgrounds come together without discrimination. Everyone is equal at the Olympics.
Dave is severely underestimating the difficulty of becoming CPA. 150 college hours, Bachelors degree in accounting required, estimated 300-400 hours of study time for the exam,
I was a bit confused, the first caller made over 300k for eight years. What did she do to all her money? No one asked what her mortgage was, what her 401k balance was. How much she had in her 6 month savings account. If she was making over 300k and is worried, I was more concerned on why she did not have more money saved? No one asked if she had an every dollar account. Sounds like she needed to budget also.
Right!! Even the way she was sobbing, I was like 😳. Where is John Delony when you need him, like girl are you safe. 😭😭 And I'm sure they told him exactly why he did not pass the evaluation. He probably knew just what to say for the written, but in person, you can learn alot about people. If they said he's not fit for duty, I believe them. The police would accept three possums in a trench coat right now. 😭 For them to turn him down, something was very wrong.
I doubt George steals his jokes I always hear him say it and then Dave. But they’re honestly probably programmed to repeat Dave anyway. So no vice versa
I would have given permission to Rachel to go spend the weekend with her parents! Good grief! Seize the day and see your parents! So what if that slows down your debt snowball a tiny bit! Both my parents are gone and I wish, over these last 12 years, that I had gone to see my mom earlier. I put it off, she had a stroke, and we never had another conversation. If I could go back in time I would have gone to see her!
“Her husband dumped her.” What a horrible characterization. I heard she was divorced did I missed the part where she stated she got dumped? Even if he left her that is a poor way to state what happened. Do better.
Ever heard of lottery winners who find themselves broke five years later? It's one thing to inherit; it's quite another to hang onto the money, spend wisely, and invest which is what Dave was pointing out.
She’s gotta put all of it in a trust in her name today that doles out disbursements every 5 years so she doesn’t blow it all at once!!! Prenup and trust in her name tomorrow!!!
The term life insurance quote was a joke. 300 the month? Are you kidding me? That is far from just the cost of a coffee so dave, do a little bit of math and multiply that by 12 months and 15 years and how that even makes any sense
The corruption that runs through this administration is getting scarier. I feel for the disabilities who are not getting the help they deserve. Anyone who is not investing now is missing a tremendous opportunity. Imagine investing $2,000 and receiving $10,020.
they talked about it one time and he said at work I'm her boss and all the other times I'm her dad. I'm sure she's used to it by now but it would seem strange for me to call my dad by his first name. But I never worked for my dad…
I just hate Dave's exaggerated view of investment. Invest in the stock market, get 10% and double your investment in 7 years. How about the usual don turns every couple of years? Return of 10% completely over inflated. Stop telling us something which is utter false.
DJIA has a total GROSS return of 10.2 to 10.7%. S&P 500 174% over 10 years. Modeling 10% is aggressive, but accurate. I prefer 8 - 10%, gross. There are market variances.
I never got less than 10% in the past 15 years. A few years ago I got 26% and right now I'm up 18% for the year following his plan with the four types of mutual funds with a 20 year or more track record of 10% or more. His advice really does work.
@@brookelondon8029your portfolio returned over 10% in 2022, while the rest of the markets dropped about 10-30% (depending on indices tracked)? I, and I’m sure many others, would like to know how you did that so we can duplicate your results.
How do you know he hasn’t sold that? I’m just curious how would you know I’m not upset and you’re probably right, but how do you know be specific in your answer please? Thank you.
your comment only reveals how dumb you are XD lol. and to why as is it hating? If you cant see as to why that doesnt make you a hater, I dont know what to tell you bud haha
![ARGENTINA vs. CHILE [3-0] | RESUMEN | ELIMINATORIAS SUDAMERICANAS | FECHA 7](http://i.ytimg.com/vi/De3AWmXzhuA/mqdefault.jpg)
There is no other personality like Dave in terms of being authentically straight forward, logical, not fluffing the caller, not wasting time stuttering, being long-winded, and saying too many words. Dave is truly the best.
Actually I think Jade will be
STOP Comparing people this is not a Competition u can compliment him without making others feel like they are aren't good enough.
Yes!
I love how Rachel is such a free spirit in her shows next to Dave. 😂
Why wouldn’t she be? She’s the only one who can’t really be fired. 😅
@@BeeDee-qs9so lol, but threatened not to enter his home on occasion. : )
She is safe
Is someone gonna tell Dave that Michelangelo painted the Sistine Chapel ceiling and not Da Vinci? I've heard him make this reference more than once and no one ever corrects it. Michelangelo deserves the credit 😅
Ikr. Maybe they're scared to tell him that he's wrong.
Don’t think any of em majored in history or art
Not to mention that Michelangelo was in his mid- to late-30s when he finished it.
I've been noticing these types of slip-ups from Dave becoming more and more frequent. I wonder if he's starting to have some issues.
@@jimjames6287 maybe the issue is that he believes everything he says is true? Love the guy but he’s a bit full of himself.
@@nojokejoker5356 just researched. Sanders was 40 when he bought an inn and began his fried chicken journey. That was 1930. By 1939 he had perfected his secret recipe and started Kentucky Fried Chicken. Apparently the Ramseys strong suit isn’t history.
Love Dave, who has taught me a lot. One clarification about the Sistine Chapel: Michelangelo painted the Sistine Chapel when he was in his 30s. Magnificent work at any age. Love the show and we try to watch replays at night. Thank you!
Dave keeps repeating this same mistake. Love him anyway. I'm just hoping his staff will clue him him.
@@EH-zd8jc It's okay, thanks. I love reading biographies and Walter Isaacson's "Leonardo da Vinci" is a favorite. I've read a good number of Dave's recommendations, as well. We share a passion for books!
I wonder if Dave is confusing his painters and thinking of Grandma Moses who started her career at the age of 78. I'm no art expert so I could easily make the same mistake.
@@thirdintegra I tend to show grace to on-air professionals who do live shows like this one. It's not easy to answer on-air questions, off the cuff and rapidly. I have enormous respect for Dave and the hosts. Not throwing shade -- simply sharing knowledge.
I was about to write this until I saw your comment. I think it's important to give credit where credit is due especially with pieces of art/writing/etc. Thank you!
Lmao Dave. Michaelangelo painted the Sistine Chapel when he was 33-37 years old.
Why don't his spies who read comments tell him to STOP doing that. He told another woman he was 80 and had the wrong painter. It's embarassing.
His team of apprentices did/helped
Walmart is not paying $20 an hour. It starts at $14. A team lead makes $19, and those positions are very limited.
Depending on location. I know in my area during COVID they were advertising an overnight stock person position at $24.47 per hour.
@@markdavis2316Covid was four years in the rearview mirror.
Go apply somwhere else 😂
Yeah but when they pay a higher than average hourly wage, they usually don’t give 40 hours a week. It’s usually part time.
You're hair cut is great rachel and you look great in that berry color
Not a dating site
@@pamsmith1665So you can't complement Rachel on her looks? Try to be more positive.
@shap987 I am positive that I don't watch to critique Rachels hair and fashion. I have nothing personal against her but she is a poor little rich girl who has zero idea of what a financial struggle is. Dave has lived it and I am here for his experience. Rachel is just window dressing.
@@pamsmith1665 it's a compliment
@@pamsmith1665 It's a simple complement
great show today as always - great advise - I have been following Dave Ramsey for 30 years
CPAs do need 150 credit hours in order to sit for the exams. One can be an accountant without being a CPA, though. As long as she isn’t planning to audit financial statements, she’s probably fine with just an associates in accounting.
As a licensed CPA in MI, "just go get your CPA" is not really how that works. Each state has its own requirements as far as getting licensed. there is generally the 3 E's 1 education: 2 exam and 3 experience. He is right on that she definitely needs to make sure she figures out what she needs to do to get it.
MI requires a 150 credit hours, which means a master’s of accounting to qualify for a CPA. She doesn’t need a CPA to be a bookkeeper.
@@JD78CN 150 to get licensed but only 120 is needed to take the exam (that's what I did). I agree you don't need CPA to be bookkeeper. I just didn't want to lay out every single detail in a YT comment.
Make a plan and go get it. Excuses
I normally don't criticize their information. I'm from Yorktown, Va, Wal-Mart, and Target do not pay $20 an hour
For the woman who’s husband didn’t pass the psych evaluation, try the appeal. If that doesn’t workout, work at UPS. It’s physical, keeps you busy, and great pay and health benefits!! Do that for the time in between trying out for law enforcement❤❤
Or security
I know someone who failed the pysch exam and he does security now. I was honestly happy. He was too young, arrogant, and hot-headed to be a cop. Hopefully, if he tries again, he will have grown up.
Same for this guy. They fail them for a reason.
@@ashleenicole71 you can tell the security guards that really wanted to be cops.
They go so hard for literally no reason, it's like bro see. This is exactly why they wouldn't give you a badge and gun. 😂
46:33 Yeah, she sounds like the future version of the question of the day. He doesn’t want to work. RUN! RUN! RUN!
That’s the problem when a twenty year old thinks a million is retirement money 😂
How about tell all these people who need new central air conditioning replaced for $10k to go out buy 2 or 3 window ac units for bedrooms spend like $600 & they will be just fine. I spent less than $600 instead of $8,500. My house is comfortable and its been 8 1/2 years still haven't bought the new ac system. Lol
That lady was clueless and set on an idea. She wasn't listening
That's what we used, and we lived in Page, AZ, which is almost as hot as PHX.
She should also shop around we replaced ours for $6800
I'd rather spend the $10k than window AC units. But I also have $10k
@@thedude5040 I'd spend the 10k too, especially if she'll get it back when she sells the house.
But she's broke, so some window units to tide them over until they can get the cash together is a good play. If the central unit is really inefficient, it could end up saving them money in electric bills too.
Dave is probably not aware that if you take Social Security early, they take a dollar for every two dollars you earn if you keep working and they deduct it from your next Social Security check. I think the limit you can earn this year is in the vicinity of $22,000.
I definitely agree you should take it early and invest it but if you're still working you can only earn up to a certain amount.
People act like Dave Ramsey is heartless but he really isn't..he could tell immediately with the lady with a 15 yr old that she was very much struggling with confidence and he motivated her and made her feel better...plus encouraged her to find a career she wants.
Rachel and Dave make a great team. I really enjoyed this one. They both compliment each other so well.
I loooove Dave's little funny voice 😂❤ makes me laugh so hard
I'm with you Dave. I haven't watched the Olympics and I haven't had televison ptogramming since 2017. I spend more time reading, on hobbies and on relationships. No regrets here.
Do you have a TV or not?
We have one but haven't turned it in since 2017.
@@jeremydoggett5005 We don’t have a tv either. Not sure how long, it was way before the pandemic. I don’t really miss it either.
@@jeremydoggett5005i don't believe you
I watch the Olympics. I also read and have meaningful relationships. I exercise, I cook, I work. It's possible to do all
I haven’t watched any of the Olympics but I’ve not missed The Ramsey Show this week😬
I've done both
I usually fall in love with my cars and keep them for 10 to 15 years or longer. When the cars start having too many repairs I look for another car. By then I've saved enough money to buy the next car.
That's exactly what I do.
Dave assumed Stephanies husband dumped her. Not necessarily so.
Have a 2009 and a 2013. Both paid for and in good working condition. Proud to have both paid off and will tell anybody I’ve got no need to upgrade on either!
Rachel knows her colors for sure! I love this berry on her and the cut suits her so well 🎉
40:03 “what’s the point of listening if I’m not putting it into action??” yes miss kelly!!!! ❤️❤️❤️❤️
I didn’t know that I was working The 7 baby steps until I heard your show ! I’ve been called cheap and a lot of other names I’m sure. But looking back I was doing the right things. Living on less than you make , keep debt to a minimum and we paid our house off in 17 years. Now we have healthy emergency fund of a years salary and got money invested. We did all this on our own. But Dave is telling you how it is “just live on less than you make “ you can’t borrow your way out of debt
1:38:11 Michaelangelo painted the Sistine Chapel ceiling between 33 and 37. Not Di Vinci and not at 77.
That’s at least the second time he has said this lol
Michelangelo: "Am I a joke to you?" 😂
@@nickperry3762 I pointed it out last time and hoped someone corrected him behind the scenes. I guess no one at Ramsey knows. Sad.....
Why doesn't anyone there correct him, no one in Tennesee gets art in classes? : )
You cannot cash out I-Bonds in the first 12 months of owning them, and Michelangelo (not da Vinci) painted the Sistine Chapel.
My I bonds have done very well over the last 5 years
Nice hairstyle Rachel!
Not much of a hairstyle. Not throwing shade but it's just a one length, parted in middle and pushed behind the ears.
Dave is dead wrong on the CPA. You need more than the normal hours to graduate for a 4 year degree to sit in most states.
Dave might be wrong about the pysch exam. My husband was a cop for 30 years. Many pass and end up being a problem but they are very careful now with cops shooting more than they should and other things. The year might be just for them but it might be for any city nearby. They share results. My husband told his boss not to hire someone who didn't do well in another district and he regretted hiring him. I don't know this man but he needs to know why he failed (he might) and take it from there.
Yeah, maybe the tests are inaccurate, or maybe the man is not well suited for the job. As a society lets not risk it.
@@Nardaa-ox3be Yes, the gung ho ones cause pause now and some that love guns and were vets but of course not all. That can make them good officers too. . There have been some egregious cases that could have been circumvented with more cautious observance. Anger issues are a warning sign. Time will tell. The young man needs to know why and they owe him that.
Can't believe they didn't ask first caller how much she had saved making 300k for that long. She should be a millionaire. And she acted like she was about live on the street
Rachel, your hair is so cute! ❤❤
The lady that wants to be a CPA- yes, at a minimum you need a bachelors degree. However, you can work for a CPA firm. You can do bookkeeping and tax preparation while you are getting your degree. Agree with Dave- start with community college and look at good online schools. For the online schools- make sure they have a good program- You got this- it’s never too late
If you split custody with the dad, then you’re not a single mother; that would just make you a single woman. @1:37:00
Not so. This comment would come from a man. SMH.
I call myself a single mom half the time lol
Ummm. She’s a mother. And she’s single.
We had a 30 year mortgage with autopay. Each month an extra $100 went to the principal so we saved on interest.
“I’m a single mother” is America’s national anthem I swear
I read the Automatic Millionaire by David Bach. Good book. Nice of Dave to endorse other personalities. He just wants to be to be Financially Peaceful. Love it!
Thanks!
You just gave google four bucks.
For the woman asking about the weekends with her parents. Make time/budget for the time at the cabin! I unexpectedly lost my healthy father when he was only 54 years old. $22k in debt will go so quick when you buckle down and do it. You can't buy back time though. I would do anything to go back and have a couple weekends with my dad again. It's not some crazy vacation where you are spending a ton of money you don't have to go somewhere crazy expensive. Trust me on this!
endpoint, 8:57 when Dave begins to defend you, THAT'S awesome !
If your A/C bill is $700 a month, I have a feeling it is just the fan running constantly on a nice big house. Turn it off. Get some window units and seal up those rooms you'll be using.
Poor Sammy. She has no clue and doesn’t want to work.
Lol
“Dolly is the best… so is Paul”
Lol 😂 I love Rachel and her sense of humor! 1:56:01
The boyfriend who is doing stock trading sounds like he has a gambling addiction, and stocks are how he "bets."
Wow, in Toronto, in Target you have to be a Team Leader, gets $20 to $25 Canadian an hour. A Sales person, gets $16 to $18.
Rachel...loving the new look/haircut. Adorable!
Rachel, a CNA IS not a nurse, just a nurses aide
Why is it $3000 to go to her grandmother's birthday? Not counting airline tickets, my husband and I went to Japan for 2 weeks and it only cost $3500. She needs to do a budget for her trip, I don't think she realizes how much she really needs. Happy birthday to your grandma.
Fair enough, I don't have a budget set. I was planning this as, Whatever, I have 14,000 in savings. I can afford to do whatever. Then, oh, 10k in a failed bank. Well, I at least have 4K. Crap. Roof is priority.
Omg I only have $400 in checking...
I like buffer. I wasn't planning on spending 3,000. I wanted 3,000 in the bank.
@@andrea81219 Why did you pick a bank that was not FDIC insured?
@@Trustbutverify2651 Great Question.
I was under the impression it was.
They kept saying it was FDIC insured through evolve bank up to $250,000 .
So I thought it was.
I also wanted Graham Stephan's bank to succeed.
I didn't use the features. Honestly I was set it and forget it. Not touched unless needed, but definitely counted in the safety part of my brain. I didn't question the safety.
I would have thought when other banks started failing with fed tightening, I would have questioned bank safety.
I didn't even think of it.
I suppose I should have used Google.
I assumed that I was good at decisions. I thought Graham Stephan wouldn't put his name or invest in a bad product.
I was wrong. I had months of income I wasn't intending to gamble with.
I wanted it to work. To be safe.
It came as a shock. I wasn't prepared to realize I was being foolish. Until Coffezilla made his video I wasn't even aware my account was frozen, because I never checked it.
Why I had money in a gimmick account I didn't even use the gimmicks of, I can't tell you.
@@Trustbutverify2651 ignorance. I thought it was FDIC insured. More fool I.
sorry Dave, it's Michelangelo :)
So many art experts, so little time.
You need money. Money comes from work, not borrowing 😅
The ceiling of the Sistine chapel was painted by Michelangelo, not Leonardo da Vinci!
Molly, don't marry him without a nup.
And marriage counseling. There might be resentment.
Molly, put the money and future disbursements in a trust today! Have disbursements every 5 years so you grow and mature into yourself and your money and you both don’t spend it all at once or he doesn’t leave with any of it!!
Sammie in Phoenix definitely needs to find a job. Even if it’s only $14 an hour. I know lots of places need bus drivers at decent wages. In my city it pays $23 an hour to start with great benefits and free training.
At the 1 hr mark, moving for min. 16 weeks to make a little more per hour ($24-35) ?They have now doubled their living expenses by her living somewhere else. She needs to rent an apartment, cable, internet, etc, which are shared expenses staying in the same place as her husband.
They will be further in debt if she does that, not less, plus gaz in driving back and forth to see each other, etc.
It might not be that much. Alot of travel nurses just rent a room or share housing with other nurses.
Some landlords and Airbnb owners exclusively do short term rentals to travel nurses, and the rates can be pretty affordable.
Contracts may also include a housing stipend and per diem, which covers living expenses.
This young girls parents are in their 60s!! Go spend time with them! Geez Dave!
Excuse me, socialize retirement it's actually a pension that it's connected to your age and years put in the work. In every other country in this world, anybody gets a pension after 65 which is adjusted to inflation it is guaranteed by the government our government spends the money on whatever they want because they do not care if elderly have money or not. It means if you were a cook all your life, you're still getting a decent pension when you get old. Plus you never get a bill for medical care
22 is too young to get married sorry live your life don’t worry about married till your 30
I was watching a documentary about Western women no longer having children. It cited studies showing that if a woman doesn't have a child by age 31, her chances of ever being a mother drop to about 15%!
@@myoldvhstapes sorry, but that is straight bullshit. 😂
The median age of first time mothers in the US is 30.
ALOT of women are having their first kids at 30+, due to wanting financial stability, to finish education, and to establish a career before having kids.
People are also getting married later in life than they used to, both men and women, which is helping push first time motherhood ages out.
Throw that documentary away!! 😂
I don’t watch the Olympics either Dave! Not sure what the hype is
The entire world comes together and sends their best athletes to compete against each other. It's one of the rare times where humans of all different backgrounds come together without discrimination. Everyone is equal at the Olympics.
Lmao ❤
Not about the Olympics just the convo.
Not any more. They're letting men box women now. @@sportagus3
Only people who have no idea what it takes to get to that level in athletics blow off the world competition at the Olympics.
I can't believe they didn't have the insurance paid to the mortgage.
Da Vinci didn’t paint the Sistine Chapel.
Dave is severely underestimating the difficulty of becoming CPA. 150 college hours, Bachelors degree in accounting required, estimated 300-400 hours of study time for the exam,
After I learned accounting, quarterly earnings report from corporations after stock market hours are more attractive to me than Olympics.
I watch the Olympics and make money. Is that ok with you?
I was a bit confused, the first caller made over 300k for eight years. What did she do to all her money? No one asked what her mortgage was, what her 401k balance was. How much she had in her 6 month savings account. If she was making over 300k and is worried, I was more concerned on why she did not have more money saved? No one asked if she had an every dollar account. Sounds like she needed to budget also.
The last lady whose husband didn't get the law enforcement job. That may be true, but i think hes lying to her about something. Sounded really sketchy
Right!! Even the way she was sobbing, I was like 😳.
Where is John Delony when you need him, like girl are you safe. 😭😭
And I'm sure they told him exactly why he did not pass the evaluation.
He probably knew just what to say for the written, but in person, you can learn alot about people.
If they said he's not fit for duty, I believe them.
The police would accept three possums in a trench coat right now. 😭
For them to turn him down, something was very wrong.
Thanks!
Do they ever announce who wins the money? I feel like the last one they didn’t even say who won…
Dave, you can’t work and draw SS until you’ve reached 67ish. Seems like you would know this!
Rachel got in trouble so much she was probably thinking "yay" when she got a break from pop. ; )
Hi Dave
Dave always steals Georgie’s jokes/lines and never credits him 😅
And vice versa.
I doubt George steals his jokes I always hear him say it and then Dave. But they’re honestly probably programmed to repeat Dave anyway. So no vice versa
I would have given permission to Rachel to go spend the weekend with her parents! Good grief! Seize the day and see your parents! So what if that slows down your debt snowball a tiny bit! Both my parents are gone and I wish, over these last 12 years, that I had gone to see my mom earlier. I put it off, she had a stroke, and we never had another conversation. If I could go back in time I would have gone to see her!
Go flames!!! 🔥🦅
I'm sorry what is MNA?? I'm in medicine so I'm a little lost when she says MNA
M&A (mergers and acquisitions)
Dave, why don't you call it the "Rachel Cruise?"
Because it's not all Rachel
@@pamsmith1665 It was a JOKE, a play on words in case you didn't catch that.
“Her husband dumped her.” What a horrible characterization. I heard she was divorced did I missed the part where she stated she got dumped? Even if he left her that is a poor way to state what happened. Do better.
Totally taken out of context. Suck less luv
Easily offended 😅😅
@@NoRoids_JustRage No. I’m not offended I just think it’s a rude thing to say about another person. He has no idea what or how her divorce came about.
@Luv2Ski4500 ok.. build the bridge and get over it 🤣
@@NoRoids_JustRage You really have a comprehension issue. Educate yourself.
22 with 1.5 million 😮 she is set for life
Hardly
She absolutely can be…she could also screw up a very good situation.
Ever heard of lottery winners who find themselves broke five years later? It's one thing to inherit; it's quite another to hang onto the money, spend wisely, and invest which is what Dave was pointing out.
There is no such thing as "set for life" at that age.
She’s gotta put all of it in a trust in her name today that doles out disbursements every 5 years so she doesn’t blow it all at once!!! Prenup and trust in her name tomorrow!!!
Dear 22 year old. PLEASE PLEASE GET A PRENUP!!
Target don't pay 20 bucks hr neither does walmart..lol
Especially in kentucky
They do where I live. It’s relative to the local cost of living.
They do where I live. It’s relative to the local cost of living.
What is M and A?
Oh got it. Mergers and acquisitions
The term life insurance quote was a joke. 300 the month? Are you kidding me? That is far from just the cost of a coffee so dave, do a little bit of math and multiply that by 12 months and 15 years and how that even makes any sense
Walmart and target don't pay $20 in most places come on now
I think he was just trying to tell that lady to stop being lazy and get a job.
Michelangelo painted the Sistine chapel……..and he finished at age 37 lol
But good try Dave
The corruption that runs through this administration is getting scarier. I feel for the disabilities who are not getting the help they deserve. Anyone who is not investing now is missing a tremendous opportunity. Imagine investing $2,000 and receiving $10,020.
How can disabled seniors generate passive income during quantitative times? I can't afford to see my savings crumble to dust
Getting Mendy Alissa to help me really helped me clear all my debts. I started with what I have left and it's been the best decision I've ever made
This is correct, Mendy Alissa strategy has normalized winning trades for me also and it's a huge milestone for me looking back to how it all started
I have been seeing lots of testimonies about her. She must be very good for people to talk so well about her
I remember giving her my first savings $4500 and she opened a brokerage account for me it turned out to be best thing that ever happened to me
⭐️⭐️⭐️⭐️⭐️🇺🇸⭐️⭐️⭐️⭐️⭐️
Drama 🧠....😂
Too long on that first call afterward lecture.
Fast forward
This is so weird. In the middle of a father daughter conversation, she calls him "Dave." It just doesn't have the same impact.
His idea for his kids to call him Dave when they are at work.
@@beckygeer6480, which puts it right up there with people picking their preferred pronouns. It's weird.
they talked about it one time and he said at work I'm her boss and all the other times I'm her dad. I'm sure she's used to it by now but it would seem strange for me to call my dad by his first name. But I never worked for my dad…
@@brookelondon8029, I worked for my Dad for a short time. My coworkers would've thought it strange if I had called him Dale.
That is the point.
I just hate Dave's exaggerated view of investment. Invest in the stock market, get 10% and double your investment in 7 years. How about the usual don turns every couple of years? Return of 10% completely over inflated. Stop telling us something which is utter false.
DJIA has a total GROSS return of 10.2 to 10.7%. S&P 500 174% over 10 years. Modeling 10% is aggressive, but accurate. I prefer 8 - 10%, gross. There are market variances.
I never got less than 10% in the past 15 years. A few years ago I got 26% and right now I'm up 18% for the year following his plan with the four types of mutual funds with a 20 year or more track record of 10% or more. His advice really does work.
@@brookelondon8029your portfolio returned over 10% in 2022, while the rest of the markets dropped about 10-30% (depending on indices tracked)?
I, and I’m sure many others, would like to know how you did that so we can duplicate your results.
jeez dave is such bullshit, “sold 10 million copies”. come on give it a break.
Gotta be miserable and broke to hate on someone trying to help people’s futures
@@RollieConn how is it hating? realistically he hasnt sold 10 million copies
How do you know he hasn’t sold that? I’m just curious how would you know I’m not upset and you’re probably right, but how do you know be specific in your answer please? Thank you.
your comment only reveals how dumb you are XD lol. and to why as is it hating? If you cant see as to why that doesnt make you a hater, I dont know what to tell you bud haha
@@Davefitz04 nah its just bullshit you eat up like clockwork