Are You Making Smart Money Decisions?

The Ramsey Show (June 13, 2023)
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[@consumerdebtchitchat]

As of this morning at 9 a.m., September 1st 2023, at age 56, single school teacher, no kids, I am finally debt free.❤❤❤❤ I can tell you that collecting credit card airline miles had absolutely nothing to do with my financial freedom 😂😂😂. It was making changes in my financial mindset, a blessing of financial Fortune (such as the student loan pause later followed by 110k public service forgiveness) and strategic financial moves that finally freed me financially. And now it's 35% of my take-home into retirement. And of course I made sure to have three months emergency savings set aside..

[@dereksiroin]

Fully Funded Emergency Fund is so key! Just had my HVAC go out... it was an inconvenience but not a disaster! God Bless the Ramsey Solutions Team!

[@grantkenyon3407]

I got rid of my monthly car payment on Friday (6-9-23) by trading in my 2021 Subaru Crosstrek and getting at 1997 Chevy Silverado work truck with 54k miles on it. I got a check from the equity for $4k and I’ll be using it to further attack my student loans. The truck was basically a barn find that just needs some suspension work, I’m so glad to be rid of the $11k on the car and have a useful vehicle again and saving $300 a month.

[@thirdintegra]

Sweet! That truck is a modern classic

[@itsandrew8758]

Nice! 54k miles on a 97’ is a score!!

[@grantkenyon3407]

Thanks guys, yeah it’s in great shape with barely any rust on the body. It was definitely garage kept because the interior doesn’t have sun fade or cracking. I couldn’t be happier with it, had the biggest grin during the test drive. Its single cab, 8ft bed, with the 4.3 vortec and 5 speed manual.

[@loctown7775]

​@itsandrew8758 Right?! Dammm what a steal for any car that's a '97 with 54k miles.

[@Juniorpj033]

People think im nuts for keep my 06 ram. Owned since 2010 and I just keep it clean and maintained. Use it for work and home. Its cheaper to maintain and rebuild than replace.

[@krithika2375]

Jade is a blessing to the Ramsey Team. She and George fully embrace the Baby Steps.

[@GeorgeKamel]

👊🏼👊🏼

[@sarahburggraf907]

Im a bus driver in my city. I usually listen to you in the bus thereby forcing my passengers to listen to you too. Lol. You're welcome uncle Dave😂❤

[@PureLace]

That's amazing! 😂❤👏

[@erin2535]

You're a LEGEND!

[@mazzgoldie9149]

I'm in a construction plant vehicle on a building site in England 🇬🇧 listening. Helps keep me motivated listening pretty much everyday ❤

[@sarahburggraf907]

@@mazzgoldie9149 so cool. Love from America 🇺🇸❤🇺🇸❤

[@christieturner5567]

😂😂😂😂😂😂

[@ElleH123-w7w]

The guy who can’t say no to his mother-you are loving her by saying no. It feels counterintuitive but that is love.

[@susannnico]

This is financial advice and I never give financial advice: DONT LEAVE DURING THE BEAR. If you don’t want to invest…learn. If you don’t want to learn…build. If you don’t want to build observe. DO SOMETHING…other than leave. There is so much opportunity here. Take advantage!

[@lailaalfaddil7389]

It took me 3 years to stop trying to predict what's about to happen in the market based on charts studying because you never know. Please, i need the help of your Investment advisor.

[@lailaalfaddil7389]

God bless you for sharing!

[@happyhomeandsavings]

I love Jade!! She is an awesome addition to the team 😊

[@gracecase998]

Dave is so right about boundaries. The book he mentions is great. Setting boundaries is one thing holding people, especially family, to said boundaries is hard. Poor Todd. Dealt with similar entitlement with parents. Take care of you Todd.

[@juliesalinas6047]

I have switched over to debit/cash for the past month after paying off my credit cards. Initially I was bummed at the thought of losing all the cash back, and I did pay them off every month, but looking back it was another justification to use them (but I'll be getting 3% cash back!) and then hating myself when I had to pay those bills each month. Dave is SO right. It is definitely harder to use cash. I have it, it's just the feeling of buying anything makes me cringe a little - I talked myself out of buying a new sponge this last weekend - like this one is still good, it's just a little stinky, I can wash it!. I'm still figuring out the budgeting thing, I hope all settle down soon LOL. But I am definitely spending so much less now and this is the first month, in at least twenty years, that I have zero debt payments due anywhere and guess what...I still have money in my account and I moved money into savings! It's a little weird to get used to seeing all this happening, it feels a little mystical, but if this is what happens with zero debt, I'm here for it!

[@erin2535]

Hahaha I can relate. But try "scalding the washcloth" - pour a kettle full of boiling water on it in a cup or jar, last thing at night, which kills off any bugs since it's soaking in pretty hot water for >20 minutes. It's an old fashioned thing but effective 💁🏼‍♀️and u can chuck it in the washing machine for a proper wash too

[@kckuc310]

I would and still do use them, it’s the same concept Dave can’t understand. There is a difference between people who pay required bills with credit cards and people who don’t. Enjoy the points.

[@meaganmccarthy3001]

Love listening to these at work, thanks for all yall do!

[@barbaras676]

I switched to using my debit card for all purchases last month, after spending years paying my balances in full. It hurt, because I had to pay last month’s balances off along with this month’s expenses. I didn’t realize how much I really put on my cards until I had to pay them off AND pay current bills with my income. Dave’s right when he says that you spend more when it goes on credit, no matter how careful you think you are. Been a Dave follower for over 10 years but thought I was SmaRtEr ThAn DAvE😂🤣😂🤣

[@clarebear9263]

I love Jade!!!! She’s such a great addition

[@autchicab]

Love that first call. the company should have their own company charge card for travel

[@sharalli3112]

Not important or relevant… but Jade wearing the blazer over a Janet Jackson tshirt makes my day haha ❤

[@JS-do7ux]

I thought the same thing!

[@thesunandthemoon1]

"Nah..You're twenty-six..Sorry." 😂😂😂

[@Prince-fn7ff]

Lmfao I lost it. Crushed that kids heart in his hand 😅😅😂😂🤣🤣🤣🤣

[@mikeknoll1130]

Got a credit card when I was 18 , I am now 69, I have never been late 1 time paying it off each month. But I fully acknowledge their allure and abuse.

[@joseluna5934]

We are the luck 22% . Even tho Dave is right on

[@laszlobauer5274]

I know I wasn't late on my credit card, but I did make different purchases because the card was available and "I would have bought that anyway". I know for a fact that I didn't make the best decision because of the convenience.

[@MayaONeil23]

Wow, when a mother treats her son like a husband. Honey I want...

[@Paul24591]

Great point Jade about rewarding companies that prey on peoples weakness!

[@cuzuvmcvoy]

Jade is so genuine! I love her! ❤❤❤

[@GApeech08]

Caller dealing with grief of his son: I so understand! My neice, whom I raised since she was 6 yo, passed in May 2024. She was 25. I quit my job in December 2023 with the goal of starting my own business. I had enough money to make it work in one year. A job fell into my lap in February 2024 with a March start date. I took it. I didn't know at the time that the job would be my life line. I would be an unemployed, sad, grieving mess had I not had a job the go to!!!! Dave is right, the sadness does come in waves. But a job is keeping me afloat! Lord, thank you! Blessings to the caller and his family.

[@Cmay2024]

You guys are great! BTW, Jade, you have a great smile, and is very contagious when you laugh! 😂😅😊😂❤❤❤

[@marciaknight9308]

I have just started on my debt free journey. I just turned 43. I wish I had been taught some common sense for saving and spending when I was younger. I am now realizing I can be debt free by the time I retire, but it is hard to start. I also have a hard time keeping at things. So, I can understand the allure of taking the easy way with things financially, but it is such a rabbit hole. Only now do I realize it is not worth it.

[@brookelondon8029]

I think a lot of us feel that way. I'm in my 70s and I didn't discover Dave until I was in my 50s. But we're probably going to live till our 90s so there's a lot of time for those investments to compound!

[@myahsmybaby]

I'm 45 and just started investing for retirement. I wish I would have started much earlier. Live poor die rich is the name of the game. All I'm going to do is try to teach my kids to live differently. Someone needs to benefit from what I've learned a little too late.

[@lindawilson4625]

I've done corporate accounts payable which had me in the position of reimbursing employee expenses. One of the big reasons for having staff (usually sales) use their own credit cards is because they will make very sure they present their expenses for reimbursement in a timely manner. There are other reasons, but that one is a biggie.

[@EmilyDeArdowriting]

Stephen, you and your family are in my prayers.

[@erin2535]

47:38 I built and moved in 6 years ago into my own first place, I think the key is having good builders and either knowing exactly what u want before starting the build - or being flexible to save money. And at least I'm living with my own mistakes instead of someone else's design and decor choices 😂

[@ElleKgee123]

The caller with the mom taking advantage of him seems like such a nice guy ... I hope he can set boundaries with her. It's so hard to do, especially with family.

[@kay22100]

Todd’s mom needs to stop it!!! I can’t believe her husband didn’t have life insurance. It’s one thing to help her out some but she’s almost treating him as if he’s her husband.

[@eliburry6572]

Dave Ramsey for president

[@chrislamson9980]

I had a great conversation with a friend about credit cards. They told me someone gave them a scorpion. I asked if they held it and they said no but my friend held it. I compared credit cards to pet scorpions. Having a credit card is like holding a scorpion, what does the scorpion do? It stings you! Some people can hold the scorpion but your playing with fire and more often than not you get stung!

[@brookelondon8029]

everyone I know says that they pay their cards off every month. I'd love to see the statistics of how many people don't because it's probably close to 90%, lol.

[@gfmontare]

What about people who have the discipline to pay their credit card bills in full, when due? That's like saying don't bother clipping coupons because no one ever became a millionaire clipping coupons.

[@WASTE0802]

Then this information isn't entirely for you. I agree credit cards work for some people, but I also understand their philosophy. I'm personally one of those people that has put whole vacations on credit cards and can pay it off come bill day. There's still good info to be learned.

[@brendansherry8737]

All your doing is getting your vacation paid for by a single mom who had to put diapers on the credit card and got behind. It's an immoral system and participation isn't mandatory.

[@Lifecounselor710]

Some people are credit card people others are absolutely not. 80% of Americans live paycheck to paycheck and use credit cards for emergencies and are lost in car payments and not contributing to retirement.

[@Lifecounselor710]

@LlamasandBudgets exactly everyone wants to talk about systemic oppression, and then are swiping their credit cards freely living under the opression of their FICO overlords

[@brookelondon8029]

From what Dave has said, I think 90% of people don't pay them off. But 100% say that they do, lol. I'm sure that there are some who do but the other thing he talks about is that you tend to spend 17% more if you use a credit card to get the points. I don't think that's true of everyone but certainly it's a pretty high percentage.

[@bluebelle9572]

I’m so curious what Brent’s product is. I hope he calls back in and shares when everything is in place and it’s available to the public, if that’s how it’s planned to roll out. Best wishes Brent. Sounds like you’re on an exciting new journey.

[@cantuig]

Dave Ramsey for US President 2024 🇺🇸

[@myonghan1260]

❤❤🎉❤y❤e❤s❤

[@danrockwell1883]

Have to fast forward the credit card call, no one says it’s the points making you a millionaire but if you use credit cards right you can definitely take advantage of free airfare. He’s right though, most people will spend more with a credit cards but the key word is most. 90% of people shouldnt have credit cards but if you’ve got common sense, you can IMO

[@OopThereItIs77777]

Dave knows that, too, but the majority of his audience are that 90, so he can’t & wont endorse it at all.

[@jennifergrooms4153]

I can pretty much only listen anymore when Rachel is on. The first caller was obviously a new caller with a legit question. And all she got was sarcasm and smart aleck comments. And somewhere in there she got an answer. Sort of. I guarantee Rachel would have just answered the question very informatively without making her feel ridiculous for asking what she obviously felt was a legitimate question. It is just very difficult to listen to routinely anymore 😢

[@bcusaaus4749]

Good point! D gives hard love answers

[@tysonhamilton1409]

Rachel and Dr. Delony is my favorite ones to listen too.

[@Lifecounselor710]

I disagree the first caller knew the answer she was going to get and was hoping for a different one. 😂 “Let me call the no credit card guy about airline miles with hopes he’ll change his foundational principles.” Not gonna happen.

[@SJhikes]

She seemed a little arrogant imo

[@thealexandraway]

​@@SJhikesshe's only arrogant because it's all she knows since she's new to listening to the show

[@expletivedeleted]

Took us forever to get an appraisal in Los Angeles, now we are waiting...and waiting, for the county to asses taxes before we can sell. A nightmare. There was, ABSOLUTELY a need, at least in L.A., last year, for appraisers (ours is commercial property in West L.A.)...and...I've already contacted people through the website to talk to advisors about how to invest it :O) THANKS!

[@joshuarock2381]

what is forever? is your commercial property complex? there is a lot that goes into it and it may have been held up by the lender which is often the case, there is definitely not a need for appraisers across the country as there is an oversupply of appraisers at the moment.

[@expletivedeleted]

@@joshuarock2381 Estate...required assesment, AND L.A. County requires they asses for taxes before it is sold...cannot even sell to a willing buyer, cuz they are behind, lots of excuses, Covid, they stepped in a hole, tripped on a rock...obfuscation and BS...! And yes, it took MONTHS to get an appraiser just to get a price to list it at...required by law.

[@expletivedeleted]

@@joshuarock2381 There is no lender, the buyer has cash, it is a purposeful liberal attack on humanity. L.A. County is trying to keep the taxes up while trying to stop all of us with functioning brains from leaving so the illegals can support their tax base...too bad they finally figured out math, huh?

[@rothbj1]

1:40 I work for a Fortune 50 company and there was a time when we fronted travel expenses (except for flights). How they issue company cards. It's crazy looking back.

[@marjamesquire8141]

I work for a big national law firm (hopefully I can quit soon). They made me pay for my lawsuits that I filed with my own credit card and not the company’s at first. Super sketchy! I protested when it happened once and I refuse to do that again. We are talking about $550+ a pop!

[@pro7videos]

Turned 27, just passed 500k in net worth. I haven’t paid for a personal flight or hotel in three years, in combination with flight points earned for work travel and credit card points. Only debt is my house.

[@mrheyz]

I beleive Jade is a blessing, she is smart and BEAUTIFUL 😊

[@adriennesavenue]

Do you not travel if this is company protocol? If you use a debit card, you still lose the money if they don’t pay.

[@elway423]

Regarding question on whether or not to become an appraiser at 1 hour mark; real estate agents no longer order appraisals since 2009. Lenders must go through appraisal management company or the VA

[@jcszot]

A worry/concern, without fact that it’s going to occur or has occurred is an emotion disguised as an excuse. “Excuses be gone!” As the late, great Dr. Wayne Dyer used to say.

[@jonnyquickalive]

They spanked the first caller ouch!

[@richardle7469]

The only time i went on a plane was flying to basic training, and home. Never been on vacation beside drive home.

[@beez2013]

Thank you mr Ramsey n your team

[@theresadobbins9627]

Working for federal government you can only get reimbursed for certain things. They teach you up front the dos and don’ts.

[@ElleH123-w7w]

What if Tiffany presents the evidence to the weak boss and let the wimp boss draw his own conclusions.

[@jcszot]

Any employer that requires expenses to accrue while employed & providing services for THEIR clients and THEIR company well they should provide you with the funds to do that. The ultimate responsibility should not fall on you. I’ve seen my brother-in-law fight time and time again with his administrative officers over expenses that accrued while he was on a business trip for a company that he does not own!

[@faith_made_me_strong]

Jade I love your hair out & it’s pretty pulled back too! 🤩💯🎀

[@unbothered6357]

I will keep my cards Actually, I have closed my AMEX platinum. I’ll also close a few others but I’ll keep a few open. I see how “the system” emphasizes the FICO score and for only that reason I will maintain a credit. Otherwise I have bought into the koolaid and I am a follower of the other principles

[@ZoKitchen]

great financial advice

[@cindypatrick785]

I was so fortunate that in 2016 at the first signs of dementia in my 81 yr old daddy when due to his “ gold digger “ second wife divorcing him because he could no longer be her cash cow,when he pulled his 5 th wheel travel trailer onto our property he was very cooperative about setting up a trust and he had been paying for a long term care policy for 4 1/2 yrs. He agreed to sell the house he had built for the #2 wife and split proceeds with her so she could leave town!! He came out of the 20 yr marriage w 3 rentals all paid for. We gave him 1/4 of our property to park his trailer on these last 7 yrs and I have been his caregiver and property manager,bookkeeper etc etc. Sadly daddy had an ischemic stroke in 2020 and it escalated his mixed dementia ( Alzheimer’s & vascular)and daddy requires 24 hr care and since my 74 yr old husband has chronic heart problems etc and needs more of my help to run our 35 yr old carpet cleaning business and my own health was going down I have daddy living in an Alzheimer’s unit near me. What a blessing to us 5 children that daddy prepared ahead w taking out a long term care policy ❤😢 8:46

[@Nigriff]

Dave lies when he says "You have absolutely no payments in the world" when you pay off your house. There are still taxes, insurance, utilities, repairs, etc.

[@GeorgeKamel]

Expenses are not the same as “payments”. Payments are debt.

[@amireallythatgrumpy6508]

No he doesn't. Learn what "payment" means

[@Nigriff]

@@GeorgeKamel pay·ment /ˈpām(ə)nt/ noun 1. the action or process of paying someone or something or of being paid. "ask for a discount for payment by cash" Similar: remittance remission settlement discharge clearance liquidation reckoning 2. an amount paid or payable.

[@Nigriff]

@@amireallythatgrumpy6508 pay·ment /ˈpām(ə)nt/ noun 1. the action or process of paying someone or something or of being paid. "ask for a discount for payment by cash" Similar: remittance remission settlement discharge clearance liquidation reckoning 2. an amount paid or payable.

[@Nigriff]

@@GeorgeKamel It's called a tax "Payment" or insurance "Payment". When you pay someone money owed, it's called a payment. When you purchase anything, you owe money. It doesn't matter whether you pay today or tomorrow, or in ten years... it's still a Payment.

[@MissBurr1]

Alots of bussines are closing, even some been in bidness 75 years

[@amireallythatgrumpy6508]

What kind of broken English is that?

[@brookelondon8029]

It happened in my area starting in the 70s when all the companies moved to Mexico. We had over 100 thriving factories and they all closed. I don't think any jobs are truly secure anymore. and I think 50% of restaurants close in the first two years.

[@Islandasian_]

Is there something wrong with the first person that called? Missing screws

[@Rickmac22]

So, I've done the math... I paid off my house early with company stock (loan @ 2.25%) and now, after a year, it has cost me a little over $55,000 in lost dividends and appreciation. That could have been my wife's dream car. Help me feel good about this choice.

[@brookelondon8029]

We had a company in my city that had been there for 70 years. It changed hands and five years later it went bankrupt. this was back in the 1980s when companies stock was thought to be the gold standard for investing. So people got the stock and kept it and it did well. The company went bankrupt and the stock for one of my friends went from $500,000 to zero in two days. The CEO still got her $4.5 million bonus. Dave says it not more than 10% of your portfolio should be in company stock. And I think that's why he says that. The risk in owning a single stock is just too dangerous and that's why mutual funds with 200 different companies in them balance each other out through the ups and downs. I do understand how you feel, however. But that's why Dave says what he does.

[@Lifecounselor710]

Guess what 3:36 get a debit card that gives back points. But I wouldn’t take risk like that the employer needs to get a fleet card and take on the risk. Spending $10 to get 25¢😂

[@disco4535]

What brand of debit card does Jade use that doesn't also have a credit card, and isn't "predatory"? The problem isnt the card. The problem is people not understanding how to budget. If they spend money differently because they have a different card, they have psychological issues that need to be addressed or they'll be in trouble eventually anyway.

[@CandycaneBeyond]

I wish I would have not spent my inheritance money. I was told don't make any big decisions in the first year, I had no support for this.

[@brookelondon8029]

A friend came into a large inheritance many years ago and spent it all in three years. You are not the only person who did this. Look at all the lottery winners. One of my customers won 5 million which was the largest one in my state at that time. He came in with a mail order bride, and they began loaning money to people. In three years, they were broke. I'm sorry you didn't know about Dave Ramsey back then, but it's only in the past I would say 10 years that he came really well known.

[@stevenjustice105]

And there are cash back debit cards...

[@Lifecounselor710]

Thank you!!! Even stock back ones now.

[@JK8]

“Some” millionaires have credit cards? I think there’s a fair bit of selection bias in that. I don’t know a millionaire without one. I agree that having one won’t make you rich but not having one won’t either. Spending less than you make and investing does

[@DAMotorsports]

Apparently I’m playing with snakes. Lol my company advances me business expenses. Last 7 vacations been paid by my cash back on business expenses. Plus some $15,000 in cash back earned.

[@Bubbaxmonster]

State employees credit union has heard of Dave and the money guys

[@jcszot]

Todd in Florida. I feel sorry for him. I think his mother is looking for another husband to provide for her. They obviously made bad decisions when her husband was alive. Now that he’s gone, she has to readjust her lifestyle to her level of income, and it looks like she’s turning to her son to subsidize her. He needs to crack the whip a little bit. The sooner she gets back in line with her financial capabilities, and reality the better it will be for both of them. The condo really should’ve been a one bedroom garden apartment lol.

[@lindaripp5902]

Thanks

[@Nigriff]

Defund The Corporatocracy.

[@joshuarock2381]

This guy seems to be confused in regards to becoming a real estate appraiser? It costs more than 2k and the barrier to entry is much higher than becoming a sales agent. It involves quite a bit of education including college, experience hours (min 1,500) & not under one year under the supervision of a certified appraiser, lengthy exam (not easy) In addition to that it takes quite a while to truly understand your market and become an expert in it. Clients will also typically want to see a minimum number of years experience as a certified appraiser before they are comfortable sending work so you will need to work for an appraisal firm for a while, prior to setting up your own practice. Unless it is for private work an agent can't directly refer appraisal assignments.

[@richricogranada9647]

Look at the dangerous nails of that beast. Dave, Dave…

[@KC-dr3cg]

Just do not run up your company expenses on your credit card to an amount that you couldn't handle oh my gosh $11,000 that's crazy

[@tduck828]

I've used credit cards for reimbursement but never had any issues. I'd 100% do it again. If you don't spend ridiculously, you won't have a problem. Also even if the company closed, you would have the same problem as you paid for it already....literally no different.

[@marjamesquire8141]

It’s shady when you work at a big law firm that purports to clear billions of dollars and they still have to make their attorneys spend $550+ out of pocket filing fees for lawsuits…😡 nickel and diming folks with law licenses is a red flag.

[@joannesmith8840]

It's immoral for an employer to ask that of an employee.

[@tduck828]

@@joannesmith8840 it was a good job that paid extremely well. It's wayyyyy more common than people think. You are always free to work elsewhere

[@loucaribou7765]

Jade just repeats what Dave says. Yep yep uhhuh yes

[@thebestthingthatneverhappe6729]

i feel bad for Tiffany, if the big boss was stealing from the partner she shouldnt lose her job for finally having the courage to speak up... she shouldnt say anything keep her head doen and pay off as much debt as possible until she lands a new job... only then should she tell him

[@juliesalinas6047]

If she does this she could lose some self respect and dignity in herself and would be showing the "weak" boss that she was only interested in helping herself by waiting. She needs to come clean to clear her conscious and its the right thing to do. It sounds like it's eating her up.

[@BlakouttheMM]

Letting a known thief steal for 3 years is the problem. No one should be fired for reporting a theft, but that's presuming that they're reporting at the moment of discovery.

[@thebestthingthatneverhappe6729]

@Julie Salinas I could care less what the weak boss thinks at this point. The weak boss is more of a silent partner and the result is his partner is stealing from him... may e he should have been more involved

[@thebestthingthatneverhappe6729]

@@BlakouttheMM sounds like something the silent partner should have been more involved with

[@rachelmelendez9255]

Oh man that lady that's getting divorced in Tampa I'm in the middle of mine and rents to Grand in a really nice place 75 will do it

[@tmusa2002]

Get the points… It’s not a big deal.

[@kay22100]

1st call: I didn’t like how they were being sarcastic with her the whole call just about. Just answer the question

[@Hillcountry_Homemaker]

Caller number 1 needs to relax 😂 she really thought she cornered Dave

[@tmusa2002]

The lady calling for her husband facing a severance has no business calling. She seemed to know a fraction of the facts.

[@kckuc310]

Take the credit card points, do you want her to get fired or get another job? The federal government does the same thing. All millionaires including myself are credit card users. We pay off monthly.

[@brookelondon8029]

I think 99% of the 10,000 millionaires he interviewed for his book did not use points.

[@kckuc310]

@@brookelondon8029 I think you would be wrong. They didn’t ask the question, and Dave always say the didn’t get rich by using credit cards but he never asked if they use and pay off monthly. I am a double millionaire and yes I use points.

[@janetcross2797]

The bank was tripping what the hell

[@virginiam8586]

Wow! This is an area that i disagree with Dave. I am in step 7 and only charge on CC and pay them off every month. CC also have better protections (fraud, etc)

[@juliesalinas6047]

Debit cards have absolutely the same protection as credit cards - they are still VISA etc. Dave has talked about this many times

[@thebestthingthatneverhappe6729]

you're not doing the baby steps 😂

[@virginiam8586]

The real difference between a debit card and a credit card when it comes to fraud is in how you get your money back. When a fraudulent transaction occurs on your credit card, you have lost no money. You can report the fraud, get a credit on your statement, and the issue will never affect your bank account. With a debit card, your bank account balance is affected from the moment the fraudulent transaction takes place. If the transactions are significant, you could experience a domino effect of financial headaches. Fraudulent charges can tie up funds so that legitimate charges are declined or cause overdrafts. Nearly all of today's top credit cards offer zero fraud liability on unauthorized charges, which means you won't owe a penny on any charge determined to be fraudulent. Debit cards also limit your fraud liability but require you to report your lost or stolen card within two business days to limit your liability to $50.

[@virginiam8586]

@@thebestthingthatneverhappe6729 Actually, I started following Ramsey in about 1999 and paid off my credit cards (snowballing) and student loans in about 3 years. I saved my house down payment (80/20) and bought my first house (15:year loan). Today, I sit here with no debt. It's so freeing to have no debt. Yes, I use a credit card that I pay off every 2 weeks. I do so for several reasons, such as international travel and better protections. Good luck to you on your journey.

[@amireallythatgrumpy6508]

@@virginiam8586 Regardless of whether you use a credit or debt card, when there is a fraudulent transaction you are not allowed to make a purchase on that card for two months while they investigate. The card is frozen.

[@Jersey1971]

That woman is making her son give her what her dead husband should have left her

[@themessenger717]

Sounds like she definitely going to buy her own ring with that kind of $

[@ParaboxGFNR]

Jade: 700k in debt wow. .... Jade: Hows it going? 😅😅😅😅

[@marjamesquire8141]

I’m so glad the Nikki from Montgomery, AL, you had on the show was not the $k@nky one I know! Cool. I’m similarly situated.

[@janetcross2797]

He can give you 1200 a year plus 75,000 Your income think think think

[@janetcross2797]

Share debt

[@marcusalexander6677]

This guy is a Moran when it comes to Credit Cards I use for 25 years never have a balance and use all my points to travel every single year And I am a multi millionaire 😏

[@janetcross2797]

Chill what

[@tmusa2002]

Shameless Pods ad on the wall behind Jade.

[@amireallythatgrumpy6508]

Well they have been studio sponsor for nine months. You must be new here.

[@richardle7469]

Well she is in Austin, keep Austin weird

[@louv409]

I miss hogan

[@babycomo]

That first caller. Literally ZERO companies pre pay for your expenses if you fill out expense reports. Get real. Don’t yours a credit card if you can’t pay it off. I love Dave. But this is objectively bad advice. I guarantee he reimburses his employees for expenses and those could top several thousands of dollars. Get out of debt. Live on less. Save for the future.

[@itsalden]

Co-Host is the female version of George

[@alvernpadilla1112]

I don't understand why the ability for the employer to reimburse has to do with the question. Whether she pays in cash or credit for the expense, that risk is still there that the employer may not pay. I was looking forward to a real answer to that question, like every other answer to other questions. It's OK to admit you both do not have the answer to her question. No one knows everything.

[@brookelondon8029]

i've been listening for a long time and he doesn't want you to use your credit card or your debit card. He wants you to use a card that is supplied by the company.

[@tapy8048]

I feel awful for Tiffany.

[@judithgrace9850]

Snake next to you.

[@adearabby6154]

What happened to less bark, more wag??? Be better Christians.

[@AryellaTrinidad]

Jews don't tithe. Not in our Torah. We have a charity box but no law to donate a certain percentage.

[@evasanz3466]

The practice of tithing first appears in the Torah, not as a commandment, but as a practice done by the patriarchs. After Abraham's military victory over the four kings who attacked Sodom, he gave a tenth of the spoils to "Malkitzedek... priest of G-d". The Midrash also states that Yitzchak tithed his produce. There are as well: The first Tithe, the second Tithe and Tithes for the Poor (given in the third and sixth year of the seven-year Shemittah (Sabbatical) cycle, maaser ani). Most of the Tithing is related to agricultural products from the land of Israel, but the practice of tithing still applies to monetary profits. This is called "maaser kesafim", the source and nature of which is a matter of debate. The first mention of maaser kesafim appears in the stories of Abraham and Jacob, but the practices of the patriarchs are not considered obligatory as mitzvahs. It must be noted that even a custom, when performed three times, becomes obligatory under the category of a neder, a vow. There are those who point out that since most people don't need to separate maaser from produce, everyone should tithe their earnings. Regardless, everyone must give at least a small portion of money to tzedakah (Charity).

[@grannyary]

@evasanz3466 tzedakah is not commanded if it brings hardship. Also, it's not tithing. In your references, it's not tithing it's charity to those who believe same. Must look at intent not just action. So is charity only to be given to those who believe as you do? Is charity not for all in need? And yes charity is not exclusive to money, it can be time, talent, produce, product. Etc.

[@erin2535]

This is fascinating, thanks for sharing guys!

[@peace-a]

Haven't seen debt free screamers in a while🤔

[@marjamesquire8141]

Thank a Biden :) JK

[@markreyes2567]

I like my credit cards. My wife and I have about 11. Paid off never keep a balance. Have about 150,000 in available credit. Just on one card I get 5 free days at a hotel a year. That’s one vacation a year my wife and I don’t pay for just by spending on our credit card. I also have about 2000 on rewards just on one credit card tht can be redeemed as cash. So I’ll keep my credit cards