Yeah Dave, just on the first caller and what you were saying at the end, its very true and I've seen it first hand unfortunately. My In-laws made a poor financial decision and were also signed up for way more than they legally should have been allowed and its exposed them very bad. Lost a ton of money and their debt sky rocketed (second mortgage). All that aside, they continued to live on one income since 2008, use credit cards, buy cars, and what I would very easily say is living above their means or not where they should be spending in their situation. I think they have refinanced so many times with all their debts but don't really change the habit. They said oh at 70 we will "finally" be debt free and I can hear you screaming in my head "no you're not!". I hope it never comes to this but if they ever need a place to live and what to live here or my wife comes to me asking, it will be almost impossible for me to say yes.
Hello, so I do Uber eats and instacart as my job so I can have my daughter with me while I work. My husband makes decent money for me to be a stay at home mom but we are wanting to get out of debt and buy our home fast! I haven’t been setting money aside for tax time what do I need to do so I’m not caught by surprise?
1:15:19 I made $60k last year delivering for UberEats on top of my $46k 9-5 day job and DADGUM IT listen to what they say here because *I’m* that idiot being bitten by the tax surprise because I didn’t save 25% of those 1099 earnings. 😓
Did you have your $1,000 emergency fund to help pay off your taxes? Thanks for sharing this information, because that situation you went through at tax time may surprise other folks, too.
everyone went on defense when ramsey said "and your grandfather couldnt spell Lamborghini" he wasnt saying that he or anyone was dumb for not knowing how to spell it. but that he doesnt know how to spell it because IT DOESNT MATTER.
For Kimberly in SB, I would have your husband negotiate his pay at the new job. California is super expensive. I would also get a guarantee that it's going to go up. Don't settle because it's the first offer on the table!
Dried beans in a large bag, 50 pounds is good and the cheapest rice you can find in a large bag also as buying in bulk is cheaper per pound. But that's only if you have the room with containers to put them in to prevent rodents/insects getting into them. Pinto beans are the cheapest beans we have here in Colorado.
I have debt of $50 thousand dollars and and pay $830. monthly. I have equity in my house and was wondering would paying the debt off be the wise thing to do with my equity? My house note is under $600. monthly.
Dave Ramsey would say NO!!! That doesn't pay anything off, it just moves your debt. He'd say use everydollar.com's free budgeting software to make (and keep to) a strict budget, and sell everything you can and/or get a part-time job to pay it off faster. Good luck, it's a tough process to pay off that much debt but you will be soooo glad you did once you're on the other side!
Pleas don't do it. When you use take out a home equity loan you are putting up your house as collateral for the debt. So, if anything happens to you and you don't pay it back, the lender will take your house. I have seen this happen and it's a tragedy because the loan is often times much less than the house is worth so the potential loss outweighs the gain.
The good and the bad son. Pay money for bad one to get what he wants to go to a boarding school where he doesn't have to listen to his parents. The other who did the work gets nothing but a good job son, but your dreams don't matter compared to your brother. Not even a goat to celebrate with his friends.
I agree. Though parents have a responsibility to all their children and that includes helping those who need help. That’s why the parents need to really sit down with the “good” son and explain exactly what’s going on and come up with a plan like Dave recommended so that he can still go to college. A prestigious, elite university isn’t a parental obligation, however raising a stable, law-abiding child is. I feel these parents can manage both. They earn good money.
I don’t respect how Dave kept prodding until the lady who just got divorced got upset. What was the point in that? She held herself together and was asking questions about her finances and I heard Dave from the start trying to get her going but it didn’t work. So before he hangs up he’s sure to mention it again and I don’t get why? The more I listen to him talk about his money and barge into someone’s life, that they way not be calling about, the less I get excited about his content.
They called him so he’s speaking into their life. I don’t agree w/ Ramsey on some things, but complaining like you are about his rhetorical expressions adds nothing at all to the discussion. People should know who they’re calling up and it’s not Dr. Phil.
Dude is stupid telling you if you’re walking out the door and how much you’re going to make hasn’t been said that you still don’t ask? You should know the round about hourly wages? 😂 he’s ignorant!
Ramsey is SO tiresome and unoriginal. He’s an undeniable GENIUS for taking common sense financial advice (That ANYONE should know.) infused with a cute southern accent. His condescending, sanctimonious southern gentleman persona is nauseating.
Yeah Dave, just on the first caller and what you were saying at the end, its very true and I've seen it first hand unfortunately. My In-laws made a poor financial decision and were also signed up for way more than they legally should have been allowed and its exposed them very bad. Lost a ton of money and their debt sky rocketed (second mortgage). All that aside, they continued to live on one income since 2008, use credit cards, buy cars, and what I would very easily say is living above their means or not where they should be spending in their situation. I think they have refinanced so many times with all their debts but don't really change the habit. They said oh at 70 we will "finally" be debt free and I can hear you screaming in my head "no you're not!". I hope it never comes to this but if they ever need a place to live and what to live here or my wife comes to me asking, it will be almost impossible for me to say yes.
LOVE their work ethic. They will be millionaires for sure!
Great advice for the savings bond that my father left me. I need to convert it to a mutual fund.
Thanks @Dave Ramsey for speaking the truth to us missionaries!!!
Thanks for your comments and rating for more information contact me on Whatsapp+1...6...6...9...2...2...0...6...9...3...6
Its toxic for sure but its got to be stopped we need to change this asap!!
I’m an expert in my opinion 😂 LOVE RAMSEY!!!!!!!!!!
Hello, so I do Uber eats and instacart as my job so I can have my daughter with me while I work. My husband makes decent money for me to be a stay at home mom but we are wanting to get out of debt and buy our home fast! I haven’t been setting money aside for tax time what do I need to do so I’m not caught by surprise?
1:15:19 I made $60k last year delivering for UberEats on top of my $46k 9-5 day job and DADGUM IT listen to what they say here because *I’m* that idiot being bitten by the tax surprise because I didn’t save 25% of those 1099 earnings. 😓
Did you have your $1,000 emergency fund to help pay off your taxes? Thanks for sharing this information, because that situation you went through at tax time may surprise other folks, too.
Bb.. but.. what did you think was going to happen??
everyone went on defense when ramsey said "and your grandfather couldnt spell Lamborghini" he wasnt saying that he or anyone was dumb for not knowing how to spell it. but that he doesnt know how to spell it because IT DOESNT MATTER.
For Kimberly in SB, I would have your husband negotiate his pay at the new job. California is super expensive. I would also get a guarantee that it's going to go up. Don't settle because it's the first offer on the table!
"You are not going to retire and have to eat Alpo" 🤣🤣
Will the Every Dollar app ever be available for people outside the US?
I got it several months ago by downloading to my phone from the webpage, not the app store. Don't know if that is still possible but worth a try.
What type of rice and beans is best?
Arroz con frijoles 😉
The cheapest... 😁
Metaphoric brand beans and Allegory brand rice.
Dried beans in a large bag, 50 pounds is good and the cheapest rice you can find in a large bag also as buying in bulk is cheaper per pound. But that's only if you have the room with containers to put them in to prevent rodents/insects getting into them. Pinto beans are the cheapest beans we have here in Colorado.
He should start a private label brand called Ramsey rice
Love you Ken! 🥰
Cash is King
Programme will fizzle out once Dave Ramsay retires .not same now with second presenter.just my opinion
“No discipline seems pleasant at the time, but it yields a harvest of righteousness. Human nature is to look for the easiest route.”
-Dave Ramsey
I have debt of $50 thousand dollars and and pay $830. monthly. I have equity in my house and was wondering would paying the debt off be the wise thing to do with my equity? My house note is under $600. monthly.
Dave Ramsey would say NO!!! That doesn't pay anything off, it just moves your debt. He'd say use everydollar.com's free budgeting software to make (and keep to) a strict budget, and sell everything you can and/or get a part-time job to pay it off faster. Good luck, it's a tough process to pay off that much debt but you will be soooo glad you did once you're on the other side!
Pleas don't do it. When you use take out a home equity loan you are putting up your house as collateral for the debt. So, if anything happens to you and you don't pay it back, the lender will take your house. I have seen this happen and it's a tragedy because the loan is often times much less than the house is worth so the potential loss outweighs the gain.
Can’t wait to do my debt free scream
I am practicing every month when the extra money saved in the budget goes to the mortgage.
Are you there yet??
@@elizabethparsons1071 not yet, started at 170k in debt 🤦🏼♂️🤦🏼♂️ down to 94k
The good and the bad son. Pay money for bad one to get what he wants to go to a boarding school where he doesn't have to listen to his parents. The other who did the work gets nothing but a good job son, but your dreams don't matter compared to your brother. Not even a goat to celebrate with his friends.
This sums up exactly what I was thinking. Why reward the bad son and punish the good one?
I agree. Though parents have a responsibility to all their children and that includes helping those who need help. That’s why the parents need to really sit down with the “good” son and explain exactly what’s going on and come up with a plan like Dave recommended so that he can still go to college. A prestigious, elite university isn’t a parental obligation, however raising a stable, law-abiding child is. I feel these parents can manage both. They earn good money.
I disagree with the job. I won't argue, my postion, but i disagree all the way to the bank.
American houses are so strange. I've never known an English house needing a new roof every 20 years, that's mad!
What happened to the debt free scream playlist?
I don’t respect how Dave kept prodding until the lady who just got divorced got upset. What was the point in that? She held herself together and was asking questions about her finances and I heard Dave from the start trying to get her going but it didn’t work. So before he hangs up he’s sure to mention it again and I don’t get why? The more I listen to him talk about his money and barge into someone’s life, that they way not be calling about, the less I get excited about his content.
They called him so he’s speaking into their life. I don’t agree w/ Ramsey on some things, but complaining like you are about his rhetorical expressions adds nothing at all to the discussion. People should know who they’re calling up and it’s not Dr. Phil.
🤑🤑🤑🤑
Dude is stupid telling you if you’re walking out the door and how much you’re going to make hasn’t been said that you still don’t ask? You should know the round about hourly wages? 😂 he’s ignorant!
Ramsey is SO tiresome and unoriginal.
He’s an undeniable GENIUS for taking common sense financial advice (That ANYONE should know.) infused with a cute southern accent.
His condescending, sanctimonious southern gentleman persona is nauseating.