If You Want To Win You Have To Go Against the Grain!
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- Опубликовано: 17 сен 2024
- The Ramsey Show (October 5, 2023)
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Hi guys and greetings from the UK. Just wanna say Im glad that I found this channel and show and wished Id found you sooner. Im about to pay off my mortgage in full in 2 months and love how you all compliment each other and seem to have such a strong close knit community in the Ramsey family and beyond. Very envious and wish you all continued success, keep spreading this message as I think its really beneficial to all who hear it.
Congrats on the mortgage. ! And, same, wish I heard Ramsey and the pod years ago
Sir how much do you earn in UK? Plz reply. Thanks a lot.
The UK is MORE EXPENSIVE than living in the US.
@@davidb2206are you really calling people out for asking other people their income, on a podcast that asks EVERYONE their income?
How can somebody give financial advice to others without asking their income?
Are you new here?
A little wet behind the ears?
Jade is a MVP every episode! I love the perspective and style she brings to the show!❤
Yessss! She quickly became my fav!!
Can't wait for the Jade Warshaw show to start!!
I’m looking forward to her show as well!
Wonderful 🎉🎉❤
Is she really having her own show? I just love her!!!
Also a book
It’s about time I’ve been waiting
Do you have any debt Traci ? "No I don't, but, .......I do have $158k in student loans". Unbelievable how some people refuse to believe carrying around student loans isn't being in debt.
I have a 2 an 5 year old and we pick up pop cans return them together and they see the money and I give them the change usually for helping. One way to teach them about money
That is a good way to start. 💜
These are my two favorite personalities!!!!!!!!!!!!!!!!!! loved this show
Agreed about the convivence crisis. After I started a side-hustle job at a restaurant and saw how much all the fees were, just one pizza almost doubled in price. After that, I never ordered UberEats again!
Right! That's how I understood it too. I haven't used Uber eats and I'm definitely not starting. Good thinking. 👍
Why does the recently divorced woman not have a job - she's a homeschool Mom. Why does she say she can't change her kids' schooling - she CAN change the kids' schooling. That's nonsense. She can enroll them in public school at any time. She is being very foolish continuing to rack up debt just so she can homeschool her kids. She is a prime example of women who do not prepare for their lives because no one knows what life can bring. EVERY woman should be sure she has an earned skill - college or not - to be able to support herself and her kids if she has to. Playing the victim is NOT o.k.
Well. You just know how to run everybody's business, don't you?
@@thirdintegra I know that women who don't prepare for either divorce or death will always lose. By her own admission she had "no education" and no skills to get a job and was depending on child support. Every woman needs to be able to support herself if she needs to. The decision may be for her to stay home with the children, but she should be able to make it financially if she has to, which is the case with this story.
ahhhh yes love these two ladies together! more shows w this duo!
Shout out to Alexandra from Bangor Maine, so happy for you that you called in and got great advice from Jade and Rachel. If you get with Financial Peace class and budget, you will have great things ahead! Hugs and best wishes to you and your family! 💜
This poor lady jumps from one desperate situation to the next. I hope things get turned around quickly for her and her family.
Why is the girlfriend calling about the boyfriend's debts? Why are Jade and Rachel not advising her that HE needs to call in. Her taking on responsibility for figuring out how he gets out of debt is not a good omen for their future.
Here’s one of those days when I’d wished that Dave and Dr.D. were on! They would have set the situation straight right from the get-go! none of this soft peddling namy-pampby stuff. “He found himself in jail for two years unexpectedly “…😂 But seriously, talk about Enabling. Always a woman to rescue him, by the sounds of it.
Yeah, Taylor needs to dump this guy. He's only bringing an anchor into their relationship. Time to Eject !!!!!
Lol how do you find self in jail? Dui kill manslaughter, come out of coma, after stable in jail. I believe a night in jail. But 2years?
Our 5 year old sees money. He does chores to earn money (cash). He gives cash to the church by handing them dollars. He gives cash to the woman on the street. He pays cash at the store. He counts cash with us. He is getting it already. Just be intentional & grab every teaching moment
I saw a tik tok of a teacher who is using a money system in her class. They earn for school work. Pay for ‘rent’ and it seems like a great idea. Those kids are getting a head start on understanding money.
@@bluebelle9572 I do love that!! I also saw a teacher who uses a money system for being kind & that’s terrible.
I’ve never used “Delivery” even during covid - not even Pizza delivery- except ONE TIME to have groceries delivered the day we moved from Upstate New York to Cocoa Beach, FL, Dec. 18, 2018. NOT willing to spend the extra.
Delivery cost more but I have used it to be a lazy fat ass on multiple occasions. Only used it twice this year and will hopefully never use it again unless I really need it.
I don’t even know what you’re talking about- instacart, doordash, Kroger, I have no idea what you mean. Just cook at home!
Instacart and Door Dash are services that delivery groceries to your home so you CAN cook at your home. Kroger is a regional grocery store that offers a delivery service to bring groceries to your home so you CAN cook at home.
What planet do you live on?
If Dave was in this episode, he would tell the last couple to start couples therapy ❤
For the first caller, money shouldn't be a stressful topic for kids. It also shouldn't be a stressful topic for adults either. The only stress is either when you have debt or when you don't have enough money for when things get bad. Otherwise if you are doing what they suggest by having a four to six months emergency fund then money stress evaporates, and the question of how to talk to your kids about money becomes trivially easy because you don't associate stress with money anymore, unless you own a business of course.
So crazy I went to ITT Tech in Milwaukee. Man if I can turn back time. Thankfully I paid my loans off but now I don’t work in that industry anymore.
I think the delivery or pick up saves money as you don’t impulse buy!!!
Do NOT move in as a very young family with two young children with either of your parents. You are still building your marriage and your relationships with your kids. When kids are in the same home with grand-parents, there are four authority figures telling the two kids what to do. and the parents and grand-parents will not always agree. Parents today do not raise their kids the way the last generation did - the challenges are different. This is very different from kids visiting the grandparents when they understand that there can be different rules in different homes. Also, all couples need to have some "hard conversations," (otherwise known as fights - LOL) and it's difficult to have those with other relatives in the house, especially if they weigh in. You will move on, but the family members in the house will remember. They will also be watching how you spend money, how you use your time, whether or not you go to church - any number of things - they can't help but do it if you are living in the same house. Also, what if something comes up and you want to move? Even to another area? Just having combined incomes for a larger house is NOT a reason. It can be very different if your children are raised and your marriage is long-standing. But the Bible says to "leave and cleave" for a reason! The ideal, since the parents may be facing some health issues, is for them to move into a house or condo or a townhouse (with a moveable chair up the steps) where they can age in place with perhaps increasingly limited income, as they may have more medical bills. Another option would be a duplex where each family would still have their own space.
Ya once children marry and have kids they should never go back home to living with their parents, it just makes the whole living situation awkward
I know a family who just built a massive house for 4 generations. it's like two houses and an apartment in one house. The kids are living with; mom & dad, Grandma & Grandpa (in their 70's) and Great Grandma (95).
Only $799.00? That’s great 🥴
Hey we’re excited!!
Ladies that was a fantastic episode! I feel like I was nodding in agreement for 2 hours straight 😂❤
I was just wonderijg if these two are ever on together! Never seen this duo before. Love it
When children start to ask about money and wanting things in at a store, I think it’s time for an allowance and a piggy bank or cookie jar.
1100$/month mortgage at 15 hr is absolutely doable, many people rent for more than that making the same amount... bad advice to sell the home, sell everything else instead
Can you break down the math on that for me pls?
@clea_strange1 his mom lives with him and splits half the bills, easy.. I know many couples earning 15/hr each who pay 1100/1200 month rent.. that rent is considered cheap these days
These girls are a power duo.
Jonathan do not do this! My brother did the same thing with his in-laws. They bought a huge house and it turned into a disaster. They thought it was going to be great. They could help with the parents as they age, they would have in-house daycare….. no no, no! Your life will no longer be your own. Your life will become all about the aging parents, and your poor children are going to get lost in the shuffle, and their childhood will be forever altered as well as your marriage. I think as time goes on It will put a strain on your marriage….. coming as an observer from a situation like this that again involved my brother, don’t do it! Please, you’re so young….. don’t do it! If you and your wife were in your late 40s and your kids were grown adults, we would be having a different conversation possibly but right now where you are please don’t do it! There are other ways you can help and be supportive as these parents age. If they can’t manage the house any longer, they need to sell their home and move into a rental, a rental where maybe groundskeeping is included in the fee. And as Rachel says, we haven’t even touched on the fact that your parents are aging and could have possible health problems and then what happens to your kids ….again their childhood or adolescent -hood becomes all about that situation. Please think it through - please.
Jade shines so brightly
She is in her zone
I think (hope🤞) Jade was really listening to Rachel's reason for Jay in Orlando to not sell his house to get out of debt. Rachel explained if you take the "easy" way out of paying off debt, your behaviors haven't changed and you're liable to continue those same bad habits and get back into debt. 36:30
Jade has said this to callers before LOL she got ot
@@OopThereItIs77777 but that's not what she saidat first...until Rachel said it. Jade's advice at first was to sell the house. 🤷🏼♀️
@@bettedavis9261 Eh Dave misses the nut sometimes too. All good! Jade kills it. We love her
You definitely have only started watching recently. Jade has given this exact same advice several times.
@@wtech758 I've watched every day for about ten years. What I noticed this particular call was Jade initially said to sell the house. She only walked back that advice to NOT sell after Rachel patiently explained that if the caller sold the house (taking the easy way out of his trouble), his behavior wouldn't have changed, and he'd most likely fall right back into debt.
I started using Walmart+because of the grocery delivery. I LOVE IT. It's worth the $98 +tip to me!
I love the Jade and Rachel duo!
We talk about money all the time with our kids. I will tell them they have to by an item with a 1 in front of it with only 3 digits so they will only spend a dollar and change. I tell them not do go into debt. I probably over do it with saying how it’s not in the budget. My son had become the saver. My daughter still wants everything but she realized it’s not reality. My youngest is 6 and he still needs to learn the value of money. We are trying.
Have you bought Rachel and Dave’s book? It’s terrific.- the “Smart Money, Smart Kids” book
These ladies are awesome!!!!!
Question. ESL(English as a Second Language) here. When people say “cash flow”, it means to put the spending on a budget, and spend as you get paid, right?
Also when people say they’re “upside down” on something, it means you lose money when you sell? Correct?
Correct
Hi from Kentucky, USA. Cash flow means to save it up before you can get the item or work done. For example, you cash flow a new roof instead of putting it on a credit card. You are correct about upside down. Where are you listening from?
@@dianem4188 Cash flow can also mean pay as you go. We did not have all the money we paid for our kids' college - but we did pay for a semester, while putting aside the money for the next semester. That was also "cash flow." Obviously for single purchases like a car or a roof, then cash flow means to save up in advance.
Thanks guys!! I live in Japan😉
When I translate the word “cash flow”, it always comes up as a noun... like how a company has a good cash flow or not. So this is helpful. I guess either you save up first or pay as you go, just set aside for that expense so you don’t borrow money!!
I have 2 teenagers. Yeah trying to cash flow(wink wink) their college!
@@Trustbutverify2651 yes, very true.
With delivery, people are forgoing, traffic, spending time, gas, and the hassle of commotion at these places for delivery. The means has to justify the ends tho.
Love Jade's shirt! 🤩🙌
For the reserve military call, he has a Roth option in the government. Federal jobs offer a match on TSP and a Roth option also. He could utilize his match there at five percent, and five more in the Roth TSP. This would utilize his weekend warrior check but invested wisely without having to pay an outside brokerage.
Yep.. if e4 ... like 250 or so.. I forget.been over 16yrs since I was reserve. But tsp , My DS said back then, 100 from every check(200 month) by time retirement over million. I was like 21 back in the day
Give, Save, Spend - do it EARLY with TOYS! In America, we are inundated by STUFF. Nothing better than a "manipulative" to teach math, in a toy. It's a great perspective to start to understand money: how to let go of a toy when you're done with it, for others to play with it, to sell it, to give it. Then they can save for or sell for other toys. Of course in our house they have gotten everything, all the toys, from all the relatives. Implementing this early is so important. Make sure chores are consistent, and pay them. They will be so full of esteem to make their own money. You'll see early on their propensity for spending or saving.
Lemonade stands and cookie stands are awesome too. Supplies payment, revenue, profit, they really will catch the bug for agency for their own money!
Aside from the relational and family issues others have stated, Jonathan in Minneapolis, how are your food billa going to be lower 1:09:15? Also, aging parents, one with a known bad back who will need surgery 1:11:47, how in the heck is he going to be able to go up and down those basement steps without difficulty or pain? As people age, stairs in general can become problematic due to knee issues. This is just an all around bad, not thoroughly thought out plan. Please, for your wife and children's sakes, PLEASE reconsider!
The boy friend is a loser. His mother and girl friend treats him like a big child. This guy is lrresponible in so many ways.
"High thirties?"...Rachel Cruze is pound for pound probably the sharpest mind of all of them on this show, but every so often.....lol, that one tickled me. Great show ladies.
Timestamp? If she was talking about age or time, "late thirties" would be correct, but in all other circumstances it would be "high thirties".
Well i probably will never have to teach a kid with money. One thing to look forward to lol
My fave duo
I feel like it would be lovely if kids were taught to do chores mostly to belong and contribute to their tiny community rather than to get money... Not everything needs to be transactional, especially at such an early age. ^^
Anyone from Singapore?
My ex-husband used to always be like that. Comparing who spent more money, all while he spent all of his money on video games and his car and all of the money I spent was on groceries. Some guys are the worst.
funny how Rachel takes on Daves role (personality)
Thank you for trashing the gig economy--which is where y'all guide/tell people to get a job/side hustle when getting out of debt. Also, Jade and George did a segment on the subscriptions each had. Jade, you have what, 3 or so "security" subscriptions?
And what’s your point? …. she’s not in debt. If I want a prescription for glittery tampons, I’ll do that with M Y money. Thank you.
Ma girls 🙌 great job as always! 🍁🍁🍁🍁🍁
Girl power hour! 💙💛
The road to hell is paved with good intentions.
Love Jade
Is it just me or does anyone else find Jade and Rachel attractive?
🥰
I feel like you’re advertising the wrong book for John during breaks
What ever happened to Smart money, smart kids??? Rachel didn’t mention the book she wrote???
What was she talking about at 5:55 then?
Set up question for Rachel lol.
Please do not use kelley blue book!!
Do your own research on pricing!!
You need to use what everyone else uses - it is the industry standard
@@amireallythatgrumpy6508 not true and it’s not accurate.
If you want to get all the money for your car you need to do a deeper research.
It’s the industry standard for the dealers that rip you off
@@amireallythatgrumpy6508 this is about doing smarter things with your money. Doing what everybody else does because is the “industry standard” is not
Which are the only dealers that exist.
If you are trying to sell your car you're looking to rip a buyer off. End of story. @@MarceloMartinPardo
Tell kids to be good or you will be next. 😅
Liver both my mother and my in-laws with my wife. Not a pleasant experience, believe me. With the salaries like that, and houses like that, don't be fools.
Sick parents? You have nursing homes.
le tribunal correctionnel trick Hat 101st AIRCAV: CID said FATMAN real needs a Career in..
Why would you bankrupt 30k? He’s been in jail; he knows how to hustle
Sounds like Taylor in Nashville is enabling her boyfriend as he should man up and be the one calling! His mom should not have been enabling him as well.
So wrong... let them combine homes. They will be over there all the time, at all hours. Its exhausting!
I wouldn’t go that far to be quite honest my opinion she’s not that great. Actually she’s good but she’s not great. Sorry for any typos.
Jade 🤎
Jade got to chill....she's not the host...Rachel is....Its starting to bother me that she just takes over the show
Listen, how they tell the woman that this is your boyfriends problem not yours, which is true, but they always seem to have more sympathy when the rules are reversed😂
Not for a SO & not a spouse. They’ve never been reversed
😂😂😂😂😂😂😂😂😂
More talk of how nasty the debt collection industry is yet they endorse a debt collection company (Yrefy).
Yet this comment just gave them more possible followers since you boosted the algorithm…awkward
Not really awkward. As long as it brings in more people whose financial knowledge is at the point they think the hosts are experts, it was worth it.
@@notgivingmyemail3381 The hosts are experts, boo. You. Are. Not.
It's not a debt settlement company
@@strqueen123 I didn’t say debt settlement, I said debt collection. They buy defaulted loans for less than face value then collect from the borrower. The only difference between Yrefy and others is that they get the borrower to sign a promissory note (they call it a refinance agreement) before they buy the debt from the original lender.
Jade is a turnoff. Tell your dad to watch out.
Please let John go! He does nothing but push his book and is not a team player. He takes over the whole show!! Comments??
WHY IS THE RAMSEY SHOW PROMOTING PAGEN RELIGIONS WITH THE HALLOW APP? IS HALLOW SHORT FOR HALLOWEEN?
I UNDERSTAND CATHOLISISM HAS NO ISSUE WITH PAGENISM BUT NO REAL CHRISTIAN WOULD BE PROMOTING IDOLATRY. I PRAY THE RAMSEY SHOW WILL REPENT FOR PROMOTING IDOLATRY
Well, “hallow” means holy so maybe do more research 😅 Look to the first line of the Lord’s Prayer.
Enough already - you say this same thing every day. Field bulletin: Hallow is NOT short for Hallowe'en and there will be Catholics in heaven, so you need to get used to living with them now. Please stop posting this same exact idea every day - you are not contributing anything new. Stick to the issues from the callers and the advice given.
@@Trustbutverify2651 saving souls is more important than money issues.
NO CATHOLIC WHO PRAYS TO MARY OR THE SAINTS WILL ENTER HEAVEN BEING A NECROMANCER@@Trustbutverify2651
THERES NOTHING HOLY ABOUT ANY RELIGION OUTSIDE OF CHRISTIANTY SO WHY PROMOTE OTHER RELIGIONS? THIS IS ABOMINABLE YOU BETTER RE PENT OF YOUR ECUMENICISM @@catherinewetzel417 TYPICAL CATHOLICS WIL LINK ARMS WITH OTHER RELIGIONS BECAUSE THEY ARE ALL FAKE COUNTERFEITS OF THE DEVIL ANYWAY LEADING THEIR FOLLOWERS TO HELL