The Ramsey Show | December 16, 2024

Поделиться
HTML-код
  • Опубликовано: 28 янв 2025

Комментарии • 138

  • @dentond4913
    @dentond4913 Месяц назад +19

    Can’t believe Dave said yes on the first call. I agree with Ken

  • @brucefredrickson9677
    @brucefredrickson9677 Месяц назад +13

    Taylor from Fort Worth: Another option is to go to school and start working on baby making during your 2nd year of school. School becomes much harder later in life when you have kids at home.

  • @pandafox12
    @pandafox12 Месяц назад +30

    Don't wait to have kids, especially if you want more than one, which i recommend.

  • @gamersetherealjourney
    @gamersetherealjourney Месяц назад +73

    caller 1 - 00:45
    caller 2 - 10:40
    caller 3 - 22:10
    caller 4 - 27:10
    caller 5 - 44:00
    caller 6 - 50:00
    caller 7 - 55:00
    caller 8 - 58:00
    caller 9 - 1:07:40
    caller 10 - 1:16:50
    caller 11 - 1:22:00

    • @cyrilahiable9045
      @cyrilahiable9045 Месяц назад +6

      Hero 🎉

    • @greggs2240
      @greggs2240 Месяц назад +1

      This is awesome! Much appreciated!

    • @buckybarnes3803
      @buckybarnes3803 Месяц назад +3

      @journeymanxth lol I swear it only feels like there's 3 or 4 caller....

  • @sherrycook569
    @sherrycook569 Месяц назад +21

    I graduated with my masters degree while pregnant with my first child at age 27! That worked for me. We had 5 children including the last one at age 43!!! We are so blessed!

    • @mattlaeff724
      @mattlaeff724 Месяц назад

      If the youngest is 43, how old is the oldest?

    • @ellea2541
      @ellea2541 Месяц назад

      ​@@mattlaeff724She (the mother) was 43 when she had the youngest! 😂

    • @mattlaeff724
      @mattlaeff724 Месяц назад

      @@ellea2541 🤔

  • @Tarandfeatherz
    @Tarandfeatherz Месяц назад +25

    Life insurance guy gave me such a fishy feeling.

  • @TamiBri
    @TamiBri Месяц назад +17

    I wonder if the life insurance guys parents even actually knows he took the loans out. Or was he like, “Sign here!” Smh

  • @ekalmen
    @ekalmen Месяц назад +105

    There are many stupid things I’ve done in life. The only thing I truly regret is waiting on having children. Don’t wait have children.

    • @mqrkoh
      @mqrkoh Месяц назад +3

      Why?

    • @Winston125
      @Winston125 Месяц назад

      Because having kids changes you for the better, if you are doing it right. ​@mqrkoh

    • @angelvalencia7955
      @angelvalencia7955 Месяц назад +6

      Amen brotha. The only regret I have is not having more than 2.

    • @rosedewittbukater5763
      @rosedewittbukater5763 Месяц назад +3

      I regret leaving my son's dad. Probably will never have more children.

    • @Joce123
      @Joce123 Месяц назад +12

      I am grateful to the people who adopted me
      I was not an infant. I was an abused 3 year old..never needed counseling..I'm successful. My kids are successful.....just saying..

  • @Joce123
    @Joce123 Месяц назад +30

    Guy with life insurance uses too many words

    • @republicunited2183
      @republicunited2183 Месяц назад

      Sounds like he’s waiting on that $. Sad.

    • @Zee-zj2uh
      @Zee-zj2uh Месяц назад +10

      You mean the guy who's taking his parents for a ride? Con artist should appear on his resume.

    • @duncanjoiner7319
      @duncanjoiner7319 Месяц назад

      @@Zee-zj2uhyelp thats exactly what I told from him

  • @isidorolopez265
    @isidorolopez265 Месяц назад +6

    I can agree with everyone who saying have kids early sounds fantastic, but remember one thing one absolute very, very, very important thing. You better have the money for it!

    • @cr-rb4kj
      @cr-rb4kj Месяц назад +2

      They ain't that expensive.

    • @TulsaDude
      @TulsaDude Месяц назад

      America thinks kids are expensive because we want to spoil them or not sacrifice time with them to work extra.

    • @MollyMA13
      @MollyMA13 Месяц назад

      They made over $175k a year. They’re fine on the income front.

  • @brucefredrickson9677
    @brucefredrickson9677 Месяц назад +8

    Kathy from Indianapolis: You are not a good listener. You run to your daughter's home and have broken your marriage vows to "love and honor" your spouse. I'm not saying your spouse hasn't done the same but it sounds like you have checked-out of the marriage. Like Dave said, you have bigger problems than deciding your investment mix.

    • @MollyMA13
      @MollyMA13 Месяц назад

      Yes. And being gone from your home for so much time?! Talk about stifling a marriage. Your #1 emotional priority is your partner. Not your kids. Obviously we really aren’t getting the full story here but still

  • @angelakyriacou
    @angelakyriacou Месяц назад

    Nice shirt Dave 😊

  • @JanMacdonald-r5j
    @JanMacdonald-r5j Месяц назад +11

    The woman at who has been married 41 years doesn't listen, certainly to Dave and my guess is that she doesn't listen or hear her husband. She's incredibly irritating. I'm a woman & she's irritating me

  • @hillbillykeef9387
    @hillbillykeef9387 Месяц назад +4

    He can drive it for a few years and still get say 150 Down the road. As I was typing this Dave said what I typed. 😂 Pretty close. Lol

  • @JulieJulie-bw8zd
    @JulieJulie-bw8zd Месяц назад +8

    To the nurse... coming from an NP who graduated np school, had a baby and started my first np job when he was 12 weeks old....do both!! You can start a program, eif you get pregnant, can pause or go part time. Some schools will give you five years to complete. Some you can do part time. Right now you can also make more as a med surgery nurse then an NP!

  • @robertskorich7159
    @robertskorich7159 Месяц назад +10

    I'm a mechanic ase older vehicles are better vehicles period

    • @Joce123
      @Joce123 Месяц назад +1

      So many recalls on late model vehicles it makes you wonder who is building these vehicles.

    • @amireallythatgrumpy6508
      @amireallythatgrumpy6508 Месяц назад

      Manufacturers are now deliberately making vehicles that only last 5-7 years so that people have to buy vehicles frequently.

    • @creamyboyy
      @creamyboyy Месяц назад

      While i can appreciate classics, especially if it was a restoration project, there is a reason average vehicle mileage has increased with time. Cars are no longer ticking time bombs once the odometer hits 70k miles. The odometers used to roll over at 99,999 because they didnt think it would make it that far

  • @loucaribou7765
    @loucaribou7765 Месяц назад +15

    The divorcing lady sounds completely out to lunch she can't even describe what is wrong with her husband

    • @anniethomas451
      @anniethomas451 Месяц назад +1

      Her daughter is very lucky! Of course they let her come whenever she wants to help out mommy with the little ones!

    • @Zee-zj2uh
      @Zee-zj2uh Месяц назад +4

      Mom and daughter are in a co-dependent relationship. Dave can't be her on call therapist. That is a job for Dr. Deloony.

  • @karenbochinski
    @karenbochinski 16 дней назад

    I believe in trade school. What about the military

  • @kahledalbert1210
    @kahledalbert1210 Месяц назад +23

    I don’t believe any of these people who call in with millions talking about buying Lambos. No way would someone who listens to Dave call in with such a ridiculous question.

    • @dawnraquel6891
      @dawnraquel6891 Месяц назад +1

      Right!!!

    • @AndreaAllen-v6y
      @AndreaAllen-v6y Месяц назад +5

      I think they just wanna boast. I guess I’m not a car person. If I had $3.3 million in net worth I wouldn’t spend that much money on any car. I think what he should’ve asked him was how much on your mortgage, do you have. Because he has a mortgage.

    • @bryannelson7612
      @bryannelson7612 Месяц назад

      Same

    • @AaBbCcDdEeF
      @AaBbCcDdEeF Месяц назад +1

      250k car with only a 3.6 mil net worth is a bit crazy.

    • @Scarface_445
      @Scarface_445 Месяц назад

      Well he’s 39, net worth of over 2.5 and makes 300+. You don’t get to age 40 with 2.5 making 300 and not once overspend on lifestyle.
      Making 300+ you should have more than 2.9 by then. Keep in mind after liabilities dude had less than 2.

  • @rhondab7937
    @rhondab7937 Месяц назад +1

    You better be careful cashing out those policies may be tax consequences to your parents. If they haven't paid into the policy compared to what you borrowed that's taxable

  • @daniellejackson6034
    @daniellejackson6034 Месяц назад +1

    Honor they mother and father. The first gentleman sounded entitled and wanted to impress Dave.

  • @MrMustangrick
    @MrMustangrick Месяц назад +16

    He can afford the Lamborghini. Mortgage, small Kidd, wife doesn’t work. He doesn’t have enough cash without liquidating investments. Not smart.

    • @MrMustangrick
      @MrMustangrick Месяц назад +4

      Can’t

    • @pandafox12
      @pandafox12 Месяц назад +1

      I mean I wouldn't, but he could burn the money and still be fine. He could pay off the house tomorrow if he wanted to

    • @Rick-of6gx
      @Rick-of6gx Месяц назад +2

      Yeah, I don't believe I would do it if I were in his situation. Lol of course I also don't have the net worth he does either. I would definitely pay off the mortgage in his situation.

    • @MrMustangrick
      @MrMustangrick Месяц назад +1

      @@Rick-of6gx Yes Rick !

  • @AndreaAllen-v6y
    @AndreaAllen-v6y Месяц назад +6

    When Leon first mentioned his mortgage, Dave should’ve asked him. How much does he owe on his house. That should’ve been DAVE’s first question.

    • @Zee-zj2uh
      @Zee-zj2uh Месяц назад +1

      Leon sounds like at 37 he's having a mid life crisis! Clark Griwsold fantasy...Christy Brinkley drives by in a Lamborghini and he's a goner!!!!

    • @davidhepworth3956
      @davidhepworth3956 Месяц назад +1

      Personally I think he should buy the car. It's $250,000 and he's worth $3.6 Million. It's 7% of his net worth for something which he wants to buy and enjoy.
      I don't care if it's more than 50% of his income, he's obviously worked hard to have that net worth at 39 and has earnt it.

  • @1whical
    @1whical Месяц назад +1

    The biggest shocker in this entire episode is bro hasn't seen Christmas Vacation!! Huh?? How??

    • @TulsaDude
      @TulsaDude Месяц назад

      He was a boring A person, for real

  • @Danieltorres-bg6nh
    @Danieltorres-bg6nh Месяц назад +3

    I love you Dave

    • @Zee-zj2uh
      @Zee-zj2uh Месяц назад

      I love Dave, but as a Christian he needs to remember that God doesn't want His children to worship idols. Dave's idols are his cars.

  • @cutthechicken194
    @cutthechicken194 Месяц назад

    Taylor finished the 2 years Before having babies.
    You'll be able to study & learn in peace without interruptions.
    Postpartum is no joke
    And Postpartum is different for every woman

  • @CatherineKamariEstrada
    @CatherineKamariEstrada Месяц назад +34

    Taylor girl if you are reading this from one nurse to another don't wait to start your family. I currently work as an RN, and in school pursuing my NP. I have a 3 month old. I had a baby while in school for my prerequisites for nursing school. I had a second baby while enrolled in the BSN program, and as I stated just delivered a new baby in September. I only have one year of school left to achieve my NP. You will NEVER regret starting your family. It has given me more drive to complete my dreams for them, and I know in the show you stated you and your husband are 28. I'm 34. You can do it. Don't forget most NP programs (and quality programs) are 100% online with the exception of your clinicals. Good luck!

  • @Joce123
    @Joce123 Месяц назад +3

    58 year old Taylor...would be happier going to school until the pregnancy happens...It might take 2 years...She is getting older considering chance of getting pregnant.

    • @daniellewilson9040
      @daniellewilson9040 Месяц назад

      That's exactly what I was thinking. Just like he said you don't have any control on when that baby comes. You can plan but you can't plan the outcome. Go to school and start trying for a baby next year.

  • @AndreaAllen-v6y
    @AndreaAllen-v6y Месяц назад +6

    Kathy’s daughter just wants a free babysitter

    • @Zee-zj2uh
      @Zee-zj2uh Месяц назад

      Brilliant point!

  • @hdsensing
    @hdsensing Месяц назад

    LOL...Dave's favorites...real estate, guns, and cars.

  • @the30sumdadgamer60
    @the30sumdadgamer60 Месяц назад +1

    Whole life insurance guy, I’m close to 100% sure, was using this platform to SELL whole life. He did his best to make it seem like a GREAT INVESTMENT!!! lol of course, Dave probably knew as well

  • @AmIJosi
    @AmIJosi Месяц назад +16

    Go to school after having kids? It’s not impossible but we all know it’s much harder specially for women !!! Girl, finish school first and you will never to worry about it anymore, nor will have to leave your kids to go to school !!

    • @CatherineKamariEstrada
      @CatherineKamariEstrada Месяц назад +2

      I disagree. I am currently a nurse and in school for my NP. I have one year left and just had my THIRD child. She is 3 months old. She won't have to leave her kids to go to school. Most NP schools are 100% online now with the exception of clinicals. Taylor can easily achieve her NP degree while starting a family. MSN programs are usually 24 months 9 of the months she'll be expecting, and the degree is practically over with by then. Do it Taylor!! You got this girl, get it out of the way. By the time the kids are born you can decide to only work 1-2 days as a NP and get more money w/o breaking your back doing floor nursing.

    • @coconat777
      @coconat777 Месяц назад +3

      She could do it online or go back once the kids are in school. Don’t take your fertility for granted, our friends are both 28 and dealing with infertility.

  • @tommypham1101
    @tommypham1101 Месяц назад +3

    One thing I learned in life… I waste time in the womb, I shoulda brought a home in 2008 but now with the price of inflation it’s insane. For all the baby still being developed try to push yourself out faster to start investing.

    • @lm1534my
      @lm1534my Месяц назад +1

      Nah, bruh with the cost of housing out there, I'm gonna stay right here in my cozy Utero digs

    • @tommypham1101
      @tommypham1101 Месяц назад

      @ 😂

  • @AaBbCcDdEeF
    @AaBbCcDdEeF Месяц назад

    First guy’s net worth breakdown numbers are all over the place.

  • @Patty-xi6gz
    @Patty-xi6gz Месяц назад +1

    My network is 3.3 million and I make 30,000 a year! I wouldn’t dare!!

    • @amireallythatgrumpy6508
      @amireallythatgrumpy6508 Месяц назад +1

      Your network? WTF are you talking about?

    • @Rick-of6gx
      @Rick-of6gx Месяц назад +1

      She owns AOL🙃

    • @Zee-zj2uh
      @Zee-zj2uh Месяц назад

      ​@@Rick-of6gx😂😅😂😅😂

    • @Zee-zj2uh
      @Zee-zj2uh Месяц назад +1

      ​@amireallythatgrumpy6508 Didn't proof read her/his 1 liner.

  • @PeaceandQuiet4
    @PeaceandQuiet4 23 дня назад

    For the nurse, please go back to school and get your NP degree. It will be so much more difficult having a child and then trying to go back to school. What if you want a second child a year or 2 or 3 after the 1st one?
    School will only be 2 years, you can almost double your current salary, you'll only be 30 when you start to have a child.
    The faster you can make higher wages, the better long-term financially and personally.
    I love Dave to death, but I'll have to disagree on this one.

  • @Elizabeth_lowkeyluxuries
    @Elizabeth_lowkeyluxuries Месяц назад

    Nick pay out the bonuses

  • @Rucksackchronicals
    @Rucksackchronicals Месяц назад

    i'm doing but just not getting it , i am trying ti avoid the negativity that seems ti be flowung more consistently across financial ,credit , honorary fat man money , what is the life lesson in working to make someone else a comforrable retirement , that's my taje on my current specialized job not really a job it's like an advance home eck job like in a deli .

    • @Zee-zj2uh
      @Zee-zj2uh Месяц назад

      Your comments are so poorly written that they don't make any sense. What's your point exactly?

  • @LapSwimmer9127
    @LapSwimmer9127 Месяц назад +3

    I don’t understand why that guy can’t live with his parents more than 3 months - I would live there a year and pay off the debt, save up a solid nest egg.

    • @republicunited2183
      @republicunited2183 Месяц назад

      I told my kids to stay at home as long as they want to save $. Then move out, get a roommate, get married, etc.
      leave with a great investment and money stashed away.

  • @coconat777
    @coconat777 Месяц назад +8

    Don’t wait to have children. I’m 27 with a 1 year old and it’s been the best thing that’s ever happened to us. You also need a lot of energy, and if you plan on having more than 1 you need time to recover between pregnancies and allow yourself to breastfeed if you can/want.
    Also, we have friends that are just 28, dealing with infertility. As a woman, it becomes harder after 30, and after 35 it becomes higher risk. Have your babies, work and go to school later.

    • @MarnaCOG7
      @MarnaCOG7 Месяц назад +2

      I was wondering why she said "only 30." I know a 30-year-old who just had her 7th kid with the same husband of 15 or so years. So she had that option to stop at any time and be done by 30. If you wait until 30, you lose some options. I only say this from observation of her and other families. I'm single and have no kids of my own (hosted a few high school exchange students).

    • @bettedavis9261
      @bettedavis9261 Месяц назад

      ​@@MarnaCOG7so this 30 year old has been married to her husband for "15 or so years." In other words, she was 15 or younger when she got married to him? Interesting...

    • @kstraigh5991
      @kstraigh5991 Месяц назад

      No, it does not become higher risk after 30 for most women.

    • @coconat777
      @coconat777 Месяц назад

      @@kstraigh5991 actually yes it does, please have a look at the statistics. A large amount of our eggs are gone by the age of 30, and after the age of 35 issues such as stillbirth and baby acquiring disorders increases.
      A lot of women will still have a healthy pregnancy, however they and baby are more likely to have more issues and a more difficult birth. It’s nature.

    • @MarnaCOG7
      @MarnaCOG7 18 дней назад

      @@bettedavis9261 Sorry, I should have, woman in her 30s. She married in her early 20s.

  • @isidorolopez265
    @isidorolopez265 Месяц назад

    Two minutes in the fair be fair Dave says the husband wants to work together now I know he matches his wife all the time his wife never ever ever ever ever see his wife now he addresses her that she’s OK and you know she supportive, but that’s all to the extent ever ever ever says anything about his wife. He needs his wife in there then if he can recommend somebody else’s wife, be there with their husband and wife as a team, put his wife in there with him!!!

  • @tkw9615
    @tkw9615 Месяц назад

    Sometimes a business decision is exactly what it is...a business decision to make the company more profitable long term so people do not have to be laid off

  • @cynthiawlaughlin5435
    @cynthiawlaughlin5435 Месяц назад +1

    Oh gosh not the jelly of the month club Griswold

  • @MatthewChurch-m3f
    @MatthewChurch-m3f Месяц назад +1

    08🎉🎉🎉

  • @johnnatuttle4344
    @johnnatuttle4344 Месяц назад

    Kathy can't give examples of her husband's behavior.... what is the problem???

  • @mattlaeff724
    @mattlaeff724 Месяц назад

    Sensless to have other people beside Dave. No idea why he implemented this. Each episode, they say nothing.

  • @TC2020-w8u
    @TC2020-w8u Месяц назад

    Juat buy a brand new 911 for half the price.

  • @GoldenOldies-007
    @GoldenOldies-007 Месяц назад +1

    caller one- I got to wonder if the callers wife said NO to the stupid overpriced car and this is why he called in??? Classic Man Child. Also why does Ken look like he just rolled outta bed? Looking a bit hung over for sure!

    • @Rick-of6gx
      @Rick-of6gx Месяц назад +1

      Ken's hair looks styled to me and don't see him wearing sweat pants and t shirt or anything, wouldn't say he looks hungover.

    • @Zee-zj2uh
      @Zee-zj2uh Месяц назад

      Ken has a "Case of the Mondays."

  • @pkrpdl9555
    @pkrpdl9555 Месяц назад

    He as 39 years old married his elder sister of age 41. Isn't that maniac based on Bible ?

  • @TC2020-w8u
    @TC2020-w8u Месяц назад +1

    Uhhh.
    Used or antique cars DO go up in value. You have to buy correctly but the worst that will happen is you will beat inflation. (Have been in the market for 35 years).
    Something that the aransey show ignores in all calculations.

  • @LapSwimmer9127
    @LapSwimmer9127 Месяц назад

    Who can survive on $40k a year in retirement? That’s not much

    • @tammywelch6232
      @tammywelch6232 Месяц назад +5

      I can!

    • @deannahardemion2071
      @deannahardemion2071 Месяц назад +3

      There are people who live on less than that who aren’t retired. If you don’t have a mortgage or car note it’s very possible.

    • @kstraigh5991
      @kstraigh5991 Месяц назад

      Anyone can.

  • @DawnMaxwell-y4z
    @DawnMaxwell-y4z Месяц назад

    Good luck finding parts in a car that old .

    • @MrMustangrick
      @MrMustangrick Месяц назад +1

      You can find them but Lamborghini parts and service are sky high $$$

    • @mqrkoh
      @mqrkoh Месяц назад +1

      Plenty of parts. The wannabes wreck them all the time.

  • @annelonnig3889
    @annelonnig3889 Месяц назад

    I have three children and no money. I‘ d rather have no children and three money😂

    • @AwakeNotWoke444
      @AwakeNotWoke444 22 дня назад

      So you value money more than your children?

  • @Joce123
    @Joce123 Месяц назад

    Scholarships to be a nurse practitioner could be an option....Babies are expensive!!

  • @Joce123
    @Joce123 Месяц назад

    All of the books have gone up too much