Truth! I don’t spend money on a woman right away because I want to make sure she likes me for me. Theres alot of fun stuff to do that doesnt cost a $100 dinner where u can really get to know someone to see if u actually like them first
Did I miss something? Mark in Nashville (asking about the peer to peer loan), has a "significant other" (NOT a spouse). AO then goes on to tell him to use his girlfriends savings to pay off HIS IRS loan? What happened to not combining finances until you are married? If I were the not-working 'significant other" I sure as heck wouldn't be giving that to my live in boyfriend to pay off his IRS loans.
@arthrodea - I caught that too, both AO and Ken thought they were married. I'm sure the advice would have been different if they realized that they were NOT married.
@@aundirussell8644 When asked if he was married, the caller said she was his significant other. He didn't say married. So by what he said, I'm going to assume he wasn't married. Neither AO nor Ken caught that. I think their advice would have been different if they had. I've heard AO be even more strongly 'get married now' than Dave is, to the point of saying, "Go to the courthouse this week and get married. You can have a big party to celebrate it later.)
@15:00 The Ramsey team is so out of touch about credit scores. A credit score shows how much of a risk you are to loan money to. The higher your credit score, the lower the interest will be on any loan you request, i.e. mortgage. The lower your credit score, the more of a risk you are to the bank and therefore you will have to pay a higher interest. It is far more convenient & easier to use a good credit score to get a loan than to get manual underwriting with no credit score, and improving your credit score is rather easy if you're budgeting and have discipline with paying off debt......two things which the Ramsey team very highly encourages.
We had bought our first home with a loan officer that did a manual and we had low credit score but paid our bills on time. We just did not use credit. We paid cash for what ever we needed or wanted. So NO THEY ARE NOT OUT OF TOUCH.
@@donnamoore4494 Exceptions to the rule do not prove the rule to be wrong. Congratulations on being able to find and use a manual underwriting in your case. That's awesome and I'm happy that you are living life on your terms. My point is that the Ramsey team are wrong about credit scores. It shows how well you behave when handling money, not that you like paying debt. Credit scores are beneficial when seeking out a loan so you can get a better interest rate on your payments. Getting a 3% interest on a mortgage is better than getting a 4% or higher interest, and you can do that rather easily with a good credit score, and getting a good credit score is rather easy.
@@tcgtpl I think you are not taking into account WHO the no credit card rules SHOULD apply to... these are ppl with no ability to budget and save money, often with lower incomes. Yes, I agree the DR credit card view is extreme, but it probably best for those getting out of significant debt and who are in no position to buy a home. It is easy to build a credit score. If you must, use CC to build a credit history if you think it is best for loan qualification. I follow DR except for the CC part.
@@James-qt9dj You & I agree on who is the Ramsey's target audience: folks who aren't good with money & most likely should be kept to a cash-only approach to limit their self-destruction financially. But, a credit score and one's credit history involve more than credit cards only, and my point is that the Ramsey team either doesn't understand what a credit score means or are intentionally misrepresenting what a credit score means. And if you DO understand what having a good credit scores means, you can save thousands of dollars when you need to borrow money, say for a mortgage, by improving your credit score as compared to going through manual underwriting.
If a man told me he had a budget and lived within his means and watched what he spent or how he spent it- MARRIAGE MATERIAL!!! doesn't matter to me on the moment - it's where you gonna be in 5 years??? or 40? That matters!
Are these callers working Dave’s plan or their plan? Lady from Louisville split Baby Step 3 into an A and B. Save 3 to 6 months in expenses. I don’t see an A and a B in that task I don’t see an A and a B in any of the steps. They are all single tasks.
If you don't own a house, then Dave calls saving for the deposit BS3B. The caller wasn't wrong. It was a sign that she's a long term listener! You'll hear it used the more you listen. ☺
@@toby7291 Ah, OK. BS3A isn't usually said but it's implied by the mention of BS3B, which used to be said quite often (although maybe less since Dave started doing less shows?) The basic gist seems to be that once you have your emergency fund, you can either hold off investing to save your house deposit or, if it's going to take more than a couple of years, then split that money between BS3B and BS4. You can then increase BS4 to 15% once you've saved the deposit.
See, that happened... and I cringed for him... BUT then he miraculously worked out that someone's net pay a month would be 2700-2800ish if they earned about 36000 a year! So then I was like "OK, maybe I can let it go..." 😅🙈
i think he was thinking faster than he could talk. he kept thinking 10 or 20 but automatically did the 20...i followed his thinking and understood his mistakes in real time
![I.N "HALLUCINATION" | [Stray Kids : SKZ-PLAYER]](http://i.ytimg.com/vi/n5B5q1Hwt_U/mqdefault.jpg)
live with your parents as long as you can save and then move out when you can
depends on how how your parents feel about that...
@@aundirussell8644 Personally, I don't mind my children staying with me as long as they are saving or working toward a goal.
Any woman that slammed you for capping a first date expense is not worth a Starbucks....run Anthony, run!
Truth! I don’t spend money on a woman right away because I want to make sure she likes me for me. Theres alot of fun stuff to do that doesnt cost a $100 dinner where u can really get to know someone to see if u actually like them first
I get embarrassed for AO. 10% is like the easiest math 🤦🏻♀️
😂😂😂😂 he said it twice so I thought he made a mistake the first time
@@BuiltonGODSrock yes but he's on the only eye candy on this show for me lol...who cares
Still has good common sense advice. I'd date him 😍
Notice how the army national guard ad is subliminally saying women are better soldiers than men? 9:00
Did I miss something? Mark in Nashville (asking about the peer to peer loan), has a "significant other" (NOT a spouse). AO then goes on to tell him to use his girlfriends savings to pay off HIS IRS loan? What happened to not combining finances until you are married? If I were the not-working 'significant other" I sure as heck wouldn't be giving that to my live in boyfriend to pay off his IRS loans.
some people say SO and mean spouse. In Seattle it's virtually identical. i know Dave feels differently but part of its generational and part regional
@arthrodea - I caught that too, both AO and Ken thought they were married. I'm sure the advice would have been different if they realized that they were NOT married.
@@aundirussell8644 When asked if he was married, the caller said she was his significant other. He didn't say married. So by what he said, I'm going to assume he wasn't married. Neither AO nor Ken caught that. I think their advice would have been different if they had. I've heard AO be even more strongly 'get married now' than Dave is, to the point of saying, "Go to the courthouse this week and get married. You can have a big party to celebrate it later.)
Good show guys!!
@15:00 The Ramsey team is so out of touch about credit scores. A credit score shows how much of a risk you are to loan money to. The higher your credit score, the lower the interest will be on any loan you request, i.e. mortgage. The lower your credit score, the more of a risk you are to the bank and therefore you will have to pay a higher interest. It is far more convenient & easier to use a good credit score to get a loan than to get manual underwriting with no credit score, and improving your credit score is rather easy if you're budgeting and have discipline with paying off debt......two things which the Ramsey team very highly encourages.
We had bought our first home with a loan officer that did a manual and we had low credit score but paid our bills on time. We just did not use credit. We paid cash for what ever we needed or wanted. So NO THEY ARE NOT OUT OF TOUCH.
@@donnamoore4494 Exceptions to the rule do not prove the rule to be wrong. Congratulations on being able to find and use a manual underwriting in your case. That's awesome and I'm happy that you are living life on your terms. My point is that the Ramsey team are wrong about credit scores. It shows how well you behave when handling money, not that you like paying debt. Credit scores are beneficial when seeking out a loan so you can get a better interest rate on your payments. Getting a 3% interest on a mortgage is better than getting a 4% or higher interest, and you can do that rather easily with a good credit score, and getting a good credit score is rather easy.
@@tcgtpl I think you are not taking into account WHO the no credit card rules SHOULD apply to... these are ppl with no ability to budget and save money, often with lower incomes. Yes, I agree the DR credit card view is extreme, but it probably best for those getting out of significant debt and who are in no position to buy a home. It is easy to build a credit score. If you must, use CC to build a credit history if you think it is best for loan qualification. I follow DR except for the CC part.
@@James-qt9dj You & I agree on who is the Ramsey's target audience: folks who aren't good with money & most likely should be kept to a cash-only approach to limit their self-destruction financially. But, a credit score and one's credit history involve more than credit cards only, and my point is that the Ramsey team either doesn't understand what a credit score means or are intentionally misrepresenting what a credit score means. And if you DO understand what having a good credit scores means, you can save thousands of dollars when you need to borrow money, say for a mortgage, by improving your credit score as compared to going through manual underwriting.
It's always more convenient and easier to avoid debt at all costs. Always.
How do you date when your working the baby steps? 🤷🏽♂️
Make a picnic at the park with rice and beans.
Go to the beach and have rice and beans.
Make a Romantic dinner with rice and beans. 💯
AO I missed you bro 😂
If a man told me he had a budget and lived within his means and watched what he spent or how he spent it- MARRIAGE MATERIAL!!! doesn't matter to me on the moment - it's where you gonna be in 5 years??? or 40? That matters!
Are these callers working Dave’s plan or their plan? Lady from Louisville split Baby Step 3 into an A and B. Save 3 to 6 months in expenses. I don’t see an A and a B in that task I don’t see an A and a B in any of the steps. They are all single tasks.
If you don't own a house, then Dave calls saving for the deposit BS3B. The caller wasn't wrong. It was a sign that she's a long term listener! You'll hear it used the more you listen. ☺
@@ellea2541 thanks, I haven’t missed a show since I started watching in August of 2020. First I heard of 3a and 3b.
@@toby7291 Ah, OK. BS3A isn't usually said but it's implied by the mention of BS3B, which used to be said quite often (although maybe less since Dave started doing less shows?) The basic gist seems to be that once you have your emergency fund, you can either hold off investing to save your house deposit or, if it's going to take more than a couple of years, then split that money between BS3B and BS4. You can then increase BS4 to 15% once you've saved the deposit.
Um, please don't take financial advice from someone who thinks 10% of $200,000 is $40,000. Anthony, please go away.
See, that happened... and I cringed for him... BUT then he miraculously worked out that someone's net pay a month would be 2700-2800ish if they earned about 36000 a year! So then I was like "OK, maybe I can let it go..." 😅🙈
Ken should have corrected him, you saw it on his face that he knew AO was wrong. Dave would have.
@@EmilyLucille523 Agree. "Iron sharpens iron..."
@@EmilyLucille523 They're all worried about losing their jobs
i think he was thinking faster than he could talk. he kept thinking 10 or 20 but automatically did the 20...i followed his thinking and understood his mistakes in real time