Brilliant advice!❤

Why??

I worked at a university in the IT department until I earned my masters. It didn’t pay that well, but I didn’t pay for one nickel of my masters. I left after three years.

Sell the homes

Amen

I own property on the other side of Australia. If a pipe leaks, I send a plumber. I have never been to the other side of Australia before. I pay a manager to look after the tenants and property. I get $2000 per month in rent and the loan is $1200. I paid $300k for the house 2yrs ago and it's worth $440k today. It's easy.

1:45:50 Good advice toward HSA for Sara in Texas after both spouses hit with Breast Cancer dx. They were well prepared after paying off house and have 900K savings.

Okay. We have been blessed with both sons and daughters. As a woman, I don’t know that I can take much more of the mollycoddling of my gender on the Ramsey show. Stop treating women as fragile beings, incapable of managing Life in general. It feeds into the notion that as women, we can never get ahead or catch a break. Women are resilient, responsible and more than capable of creating a fulfilling life both with or Without a partner. If Cori had been a male and called into the show, still living with a Mother at 45, we would never have heard the end of it. Just Stop.

We could cut aid to israel? But some of you aren’t ready for that conversation.

Yes

Add some passive income from rental properties in addition to these two things.

If he makes less than $18 an hour then his lack of support could also be because he's uncomfortable with you making more than him.

But then how there are any homes on the market? They should have already been bought by one of the buyers, right?

with the personal deduction much higher now - mortgage interest is not worth it to most people.

Mathematically we could not pay off the debt, ever! They borrowed all the notes(dollars ) into existence. Where does the interest come from? It doesn’t exist! It is impossible to mathematically satisfy a ponzi scheme.

1:34:10 Nigerian fathers are stick and don't like to listen to their kids or really the wife for the most part. Its rare. He is better off accepting Daves gift and trying to get his father to talk to a professional.

Oh no. How are you feeding a family of 6? I’m in disbelief.

I honestly don't see a problem with living in your mom's house if you are significantly contributing to the bills. If the mom is alone especially.

Well, I did not fit the mold. I still had a mortgage at 2.4% and 30 years tp gp. However the part that made me a net millionaire, was the401K and my brokerage account. As I held that mortgage for 19 more years, I continued to pour cash into both accounts while paying off the home as slow as possible. and yes when we sold the house for 585K, there was 1 million in the brokerage account and 4.5 million in the 401K.

My daughter's family live on my same street. My house is equivalent to theirs but costs $850 less per month because I got here first and secured a lower interest rate. I also make more money from my dearly departed husband's pension than her husband with a full time job and she a halftime job. So yes, I help them out. I want them to live in a safe neighborhood and have a good school district for my grandkids and be close by me since I'm widowed and have health issues. They're thankful for my presence in their lives and I'm thankful for theirs in mine. You cannot convince me this is a bad arrangement. Sorry Dave.

Dont sell your f*cking house to the blackrocks bidding top dollar for single family homes.

I've seen this question on the Ramsey shows so many times, yet they've only ACTUALLY answered the question once or twice. It's about the mindset, and the idea that if you're using someone else's money (credit), you will spend more money than if you were using YOUR money. The Ramsey method is about ZERO credit cards, ZERO credit score. The Ramsey method it to pay CASH for everything. The only acceptable debt is a home mortgage, and that should be limited (15-year fixed, no more than 1/4 of your monthly income, IIRC). That works for them. That doesn't work for everyone. If you think you have the discipline to use your cards for everything, keep ZERO balance (while also NOT over-spending), and use your points for fun stuff... good for you. Stop asking Lord Ramsey for permission, because you'll never get it.

They're both afraid of using cash for purchases. I'm sure they wouldn't be able to pay for everything using their own cash income.

She needs to take the new job. BY HERSELF. ALONE. So why did alot of women cheat on hi.? Sounds like he accused alot of women they were cheating on him. Like he is doing to you.

It’s like the government is trying to erase people

Mam, Canadians pay for their dental out of pocket. Many Canadian retirees stay in Yuma, Arizona in the winter and walk across the border into Los Algadones to have their teeth fixed. Many self employed American citizens go there also. What do they get? U.S. trained dentists with state of the art equipment. And yes, they save a bundle getting their work done.

The Ramsey Show, I loved this video so much, I had to hit the like button!

Product of the economy pour parents have created

What he never talks about is sacrificing your cash position by tying up your capital in bricks and mortar. Also, this assumes that you don’t plan on moving in the short term and that the equity will still be there when you’re ready to move. The reality is that this decision is more nuanced than he is willing to admit.

20%🤯. In Europe we pay normal salary’s and tax is included in the price. We don’t allow for this credit system where you never know what your gonna pay and than leave huge tip because it’s expected on your credit card, just to sweat to pay at the end of the month🤯

Ignorance is not bliss. Everyone should know how to look after finances whether you like it or not; it's a life skill. Every couple should discuss finances & do their bill paying either together or alternate.

I suggest you run Dr Deloney's ad for his books and cards. It's fabulous and I'd love to see the comments come in.

Bring back Debt is dumb and cash is king!

Dream team

If millennials want to survive, get two/three/ or four ride or die friends and rent the cheapest place possible to fit everyone. Three of us in one house made our rent $440 each.

For the record, I’m a net worth millionaire and I love using my credit card, paying it off every month, and using the points for free travel.

Did Jade have to pee?

Yeppers i saved up and building my home myself and i owe no one nothing my stuff is paid for and really there only two things that you should ever go in debt for house and car and if you can save up and pay cash for the car if you can

I make about 140k and bought a 70k truck. Unfortunately it's part of my business and is needed. Went years end years with a paid off truck and finally got sick of the expensive ass diesel repair costs. Would've gotten another used Diesel but it's such a crap shoot not knowing how the previous owner drove the truck

The Ramsey Show, This is great! I liked it and subscribed!

....don't worry, Captain Stunod will forgive your student loans .....

Come on! When is the next George and Dave hour?!

Get insurance.........

I bought my house in 2022 for $556,000. Couldn’t rent it to even cover the mortgage. Now it’s listed for $500,000. So clearly that’s not the case Dave.

Thats 55000$ a year just sitting in a bank account that plus social security should be plenty

Keep the house and rent a room to someone or sell it and buy a townhouse that costs less

Ya,but who is going to buy again at 7.3 % interest rates.. mmmm not me. I am happy at 3%

I want to see Dave on Patrick Bet-David's podcast. It would be an amazing conversation.

Because FJB

The Ramsey Show, You're the best! I just had to subscribe!