“Can I Say Something Controversial?”

💵 Start eliminating debt for free with EveryDollar - ter.li/vbjdm5
📱Download your Ramsey Network app today! ter.li/4ccdfr
📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or send us a message - www.ramseysolu...
Explore More Shows from Ramsey Network:
🎙️ The Ramsey Show ⮕ ter.li/rqwdws
🍸 Smart Money Happy Hour ⮕ ter.li/tmj3vq
🧠 The Dr. John Delony Show ⮕ ter.li/s5yazz
💰 George Kamel ⮕ ter.li/dc2gee
💡 The Rachel Cruze Show ⮕ ter.li/a6emrr
💼 The Ken Coleman Show - Highlights ⮕ ter.li/v8n4u8
📈EntrLeadership ⮕ ter.li/g7s9g0
Ramsey Solutions Privacy Policy
www.ramseysolu...

[@JKNat9004]

John, "Have you done the math on how much this divorce is going to cost you?". 😂😆😂😆😂

[@BrianW211]

Summary "We've been waiting 7 years for house prices to go down before we buy a home for ourselves, so we've been renting all of that time. In the meantime, we've purchased 4 rental properties and they're paid for."

[@jeraldbottcher1588]

Yep. The prices are not going to go down in this area. It would take an enormous economic downturn for that to happen, and in the Twin Cities area I do not see that happening any time soon.

[@travisfeld97]

@@jeraldbottcher1588bubble will pop

[@PinkieJoJo]

But he didn’t buy them alone. He only owns half with his sibling.

[@BrianW211]

@@PinkieJoJo Doesn't matter. He purchased investment real estate in a high-priced market but refuses to purchase a primary residence in that same market.

[@Joce123]

​@@jeraldbottcher1588Some places in the Twin Cities areas are dropping in price....1 modest house in Camden for $50,000.. I have property in Iowa.. Property in Iowa is decidedly cheaper especially Mason City.

[@cheryldunaway9177]

Thank you for caring about the marriage as much as money. You rock.

[@ryanl3812]

I can tell from the voice alone that this guy knows everything. Can't be helped. Keep it moving

[@cookieforawookie]

"Not to brag" callers are the best. Just buy a house. What an annoying call.

[@Trackpad12]

Only if you are an envious prick

[@dariuss.3500]

Lol

[@Songbird36able]

Very annoying!!!

[@IzzyMakesMusic]

I like hearing ppl who are doing well for themselves. Very inspiring.

[@kbanghart]

​@@IzzyMakesMusic Thanks to Biden

[@brendaamador8582]

My husband cares more about his investment portfolio than our house! We are multi- millionaires, live in a 1500 square foot house with 30 year old carpet, cracks in the ceilings and drywall and only one working bathroom that hasn't ever been renovated!!! I have BEGGED to get things renovated but he doesn't want to be inconvenienced by contractors coming and going! I'm almost to the point, after 45 years of marriage, of stepping away because I feel like my wants and needs are completely irrelevant to him. Dude, get that girl a house!!! Women feel differently about their house than men do!! To you it's just an investment, to her, it's her HOME!

[@Havre_Chithra]

Yea... because he bought it lol

[@michelejohnson6459]

Pay to renovate the house yourself!😂

[@tanpham7411]

Yall need marriage counseling ASAP. And tell your husband to grow a pair and fix the damn house. Ignore all of the ignorant commentors above trying to criticize you for wanting a safe house to live in.

[@BREEZYM6015]

If she's a multimillionaire as he is then she should divorce him, leave, and buy her own home. I have a feeling that her husband is the multimillionaire and she has no money to leave the marriage. Otherwise why would she keep living in such deplorable conditions?

[@midkort]

​@@BREEZYM6015 THEY are multimillionaires. It's not whether she is a multimillionaire as he is. THEY are multimillionaires. That's how marriage works.

[@azbuckeyegirl9523]

Lance is in denial. George and John did a good job. My husband and I have suffered from the "oh, we've sacrificed so much to get here" martyrdom. I love how John says, "no one cares." We just bought new couches (first time in 23 years.) I'm done with the martyrdom. I'm trying to talk my husband into going on the debt-free cruise! And... we've upped our giving -so fun!

[@strangeroamer3219]

Just like the old proverb. The shoemaker's son always goes barefoot.

[@beck943]

If your spouse can't stop saying I instead of WE after 7 years of marriage, that's a huge red flag. His wife isn't considered his partner in any sense of the word.

[@laveniajohnson2283]

They weren't kidding divorce. Stop laughing.

[@katemiller7874]

Yes he thinks they are kidding.

[@matthewgreazel7343]

This guy is a control freak.

[@whispanic]

Tell me that you're midwestern cheap without telling me that you're midwestern cheap.

[@jonathanmarshall9763]

Family taking you to McDonald's as a welcome home party.....true story.

[@jimroscovius]

I'm Midwestern and I'm not cheap.

[@TheSoulCrisis]

@@jonathanmarshall9763 Damn.....welcome home lol.

[@david2049]

Complaining about a 3k mortgage vs 2100 in rent seems a little silly, especially with their income

[@johnbriggs1038]

Lance is the person who loves Lance more than anyone else in the wold. He is more interested in making himself happy than his wife. When they tell him he needs to buy the house for his wife, he just laughs. He is not going to follow the advice, and he wasn't joking when he said he is not going to let his wife listen to the episode. He only called in because he thought they would agree with him.

[@subjecttochrist]

Is this Lance’s wife?

[@chanson8508]

Faxxx my guy 🙌🏾 Lots of foolish incel types commenting on this vid, but guys like you & these Ramsey personalities give me hope that not all is lost for the dudes. He's acting in sole prop mode, instead of partnership mode with his wife 😢

[@SingingBeeize]

Called in just to flex 🤦🏽‍♀️

[@sheenawalker1751]

That’s what I was thinking

[@gailrodgers3079]

He said he was going to have his wife listen to this show until they told him off. He thought they would be on his side, partly because they were men and the most important thing was he thought he was in the right and didn't need to own a home even though his wife wanted one.. Idiot. As to what was happening to the income from those properties, it sounds like he was using it to pay off the properties and saving to buy more properties.

[@nualanicghearailt8011]

This was a brilliant episode. Great advice from John and George. Love the good humour of the caller as well.

[@misspimake]

“Get your wife a house!” 🤣

[@TheRealMrHighOffMusic]

What’s really funny is lance is just laughing away then George and John are serious!

[@righand]

People like this are so annoying. Cringed hard when he would laugh about his situation.

[@Tripp216]

“Get her a home is exactly right” because that’s gonna be hers in a few years either way

[@plootobaby]

hahah i choked on my food

[@etiennedegaulle3817]

230k is bragging? Lance is a moron.

[@citigirlcountrified1927]

Dang. Savage

[@jimroscovius]

Why does this guy keep laughing?? They need to buy a house NOW!!

[@cafecitoconjesus8750]

Just hang up the call, omg am sweating listening to this caller. Get me a violin so I can play it for him.

[@cyoohoos]

This sounds like my EX husband. He loves money WAY more than he could ever love me

[@LivingOnCash]

Maybe it's you. 🤣

[@cyoohoos]

@@LivingOnCash I said EX. And yes divorces are EXPENSIVE

[@books4739]

@@cyoohoos for him presumably

[@Andiev12325]

This is one of my favourite calls! John and George reactions are hilarious!!

[@Barneyjo]

Sounds like he is partners with his sister not his wife.

[@calinator51]

Waiting 2 years to buy with cash really doesn't save any money because over those 2 years renting at $2,100 a month they are burning $50,000. Just buy it now and lessen the blow on interest by paying it off early. Agree with the hosts.

[@Shortballa11]

@@calinator51 i think it has more to do with his comfort level of not being in debt to anyone. Dave himself said he would never borrow for anything and that the ideal is to pay cash for everything. Bt he knows most ppl can’t be that patient

[@jeraldbottcher1588]

@@Shortballa11 But Dave himself says the one thing to go into debt for is a house (that you can afford and pay it off in 15 years, not 30)

[@Shortballa11]

@@jeraldbottcher1588 yea he says it’s okay bt Daves ideal is to pay cash and says he would never borrow money

[@kdel45]

She already makes her own good income. She could just be biding her time right now, waiting for the right time to leave. If he doesn't take their advice, he's going to find himself divorced, and he'll think it "came out of nowhere".

[@lauvasquez7198]

So he buys houses with his sister but wont buy one with his wife? We just bought a house in the twin cities area for $238k. He can find a GREAT House for $350k and if he puts $200k down?! Lance be the one lance that isnt a DBag.

[@jeraldbottcher1588]

Yep I live in Saint Paul in a fairly nice neighborhood. My house is worth around $280k (We bought it in '99 for $90K and $10k in improvements (Electrical, plumbing) and have since spent 10k on a roof and 20k on new siding) You just have to look around to find the right house. I am sure they do not need a McMansion.

[@strangeroamer3219]

Just like the old proverb. The shoemaker's son always goes barefoot.

[@adamseidel9780]

They could afford a nice $4-500,000 house anyway. Quite comfortably.

[@ricksanchezsflask8794]

They don't need it, but wifey wants it. ​@jeraldbottcher1588

[@jenkinsmatthew]

Dave Ramsey would have hit the button a while ago. He wouldn’t have tolerated that caller.

[@justinecorrington4106]

Its a different type of call, so its interesting to listen too. Different advice given

[@jenkinsmatthew]

@@justinecorrington4106 How so?

[@justinecorrington4106]

@@jenkinsmatthew normally the calls are, ‘I am in debt, should I still finance because the interest rate’, ‘what should I pay off first’ or a family member wants money, how do I say no? This caller has no debt. And just wants to keep building up real estate rental properties but his wife wants a house. But turns into more relationship problem than finacial problem.

[@SummaGirl1347]

This is a prime example of "men define themselves by their job/wealth, not their relationships".

[@katemiller7874]

It’s always been like that. Now women are doing it too. Sad

[@pneron2032]

Well, we have a job to do. We are the ying in the ying and Yang. Extremes are the problem

[@pjabrony8280]

@@pneron2032 I thought men were the yang.

[@deelehey2827]

Some men prefer Money over family

[@TheSoulCrisis]

@@pneron2032 I think you meant yin and yang lol.

[@BeyondTigerMilk]

They make all that money, have all that cash in the bank and she's stopping at 6% on her 401k? Weird caller.

[@TonyCox1351]

Beyond weird…he’s been wanting to buy a house for 7 years yet he’s bought 4 investment properties in that time

[@danieljohnson4418]

Not weird at all. Employer match is 6%. You don't attain a better view in Heaven by dying with more money.

[@stitchy_linn]

I fail to see how the caller is weird for his wife's choices. His thinking is weird yet his wife has nothing to do with that.

[@Nardaa-ox3be]

@@danieljohnson4418 Say it louder for the cash addicted cheapskates in the back. I get financial responsibility, but you’re not gonna take it with you. Use some of it to make someone’s life better while you’re alive. You never know if you’ll be dropping dead young.

[@beaniemac]

I noticed this as well regarding her 401k contribution. That's crazy

[@garyvelasquez187]

Even though it wasn't mentioned SELL THE CAR! LOL!

[@countessstevens63]

He sounds greedy & cheap. Bless his wife & marriage lord

[@XennialGuy]

$500K across four rental properties, with four headaches, and all it brings in is $1500 total a month? He could make that with $300K in a HYSA in the bank with no headaches.

[@karmasutra4774]

Yep. I have about 350k that is earning me about 20k a year spread across some high yield banks for now

[@jeraldbottcher1588]

That is probably the net profit after all the taxes and other expenses. I also think he was just pulling that figure out of thin air. He probably makes more net than that.

[@dr_pinna543]

Don't forget half is his sibling's and their spouse.

[@XennialGuy]

@@dr_pinna543 which is why I used 300K in a hysa and not 500K.

[@beck943]

​@@dr_pinna543His sister, and her husband.

[@Philip.tmz2]

I love your videos, but the best investment you can do right now is to invest in Forex trading, I'm saying this because since I started trading I've seen a difference.

[@Richhart852]

It's true that you can imagine the benefit that people get from trading forex on a daily basis

[@yeisonarrmandoduartesuarez3309]

Finding yourself a good broker is the same as finding a good wife, where you get less stress you get just enough with so much little effort at things

[@yeisonarrmandoduartesuarez3309]

Currently, an account portfolio manager manages my forex investments, while I invest in real estate with the profits.

[@yeisonarrmandoduartesuarez3309]

John Wlight is my account manager and when someone is good at what they do best, people speak well of their work

[@yeisonarrmandoduartesuarez3309]

He started with $5,000 and withdrew profits of $89,000

[@SherryEllesson]

This guy is so much into more, more, more that he's stopped paying attention to the woman who's been putting up with his self-centeredness all these years.

[@perotal]

"You know how expensive divorce is" giggles while telling every caller to go get married "next Saturday"

[@djpuplex]

Never take Ramsey relationship advice.

[@FirstLast-fc7dt]

Yeah this is where i stop taking their advice😂 i just focus on the financial side

[@djpuplex]

@@FirstLast-fc7dt Even with that but Dave's magical mutual funds and takeout 9% a year in retirement.

[@truebengalsfan]

They cant support the argument to get married outside of religion

[@LegDayLas]

@@djpuplex he has gone on record saying 8% is the safe withdrawal. 8% is just as asinine as 9%, but it's important to call him out on the actual BS he says and not exaggerate it.

[@CarnivoreStork]

“ I “, “ I “, “ I “. Obnoxious.

[@JoeRNNE1]

Something about the way this guy talks (emphatically and with lots of laughter) makes me wonder if he's being totally honest about his financial situation, e.g., he conveniently forgot to mention that he actually has a substantial debt of some sort he's paying on every month. Regardless, I feel bad for his wife.

[@helenhilton2158]

Why does this guy keep arguing about buying his wife a house?

[@mhodge0890]

I hate stupid calls like this

[@fartcannon]

You don't like rom coms? Lighten up.

[@ryanl3812]

The screeners are slipping

[@mikeshaw4610]

Listen to them. Forget the rental for now and make your wife happy.

[@alexg3348]

this "husband" does not sound like a catch

[@Gus_Chiggins]

Lance is Lance's biggest fan

[@alanlippincott2802]

4:34 @johndelony depends on his investments. Were at 220k gross 120k net. Taxes, benefits, healthcare, and 20% retirement sucks it up. And we don't even have state income tax here.

[@helenhilton2158]

You could tell by his laughter that he knew they were right.

[@raeannaruby8306]

Minnesota taxes are ridiculously high

[@jtg2525]

Dang as a Californian I’m shocked how little net worth you need to own 4 investment properties in Minnesota. Plus they make 200k a year something isn’t adding up

[@mplslawnguy3389]

He owns them in other states,

[@jameshetu6885]

The rentals are in Iowa and one in Arizona. That’s why they aren’t worth as much. I see his point with the Duplex in Minnesota, that would be a great starting spot for home ownership … but he should have done that before the other properties. He’s years too late on that idea. At this point his wife has put in her dues and he owes her a house. And not the cheapest one he can find. She’s earned “dream house” level at this point after all those years and sacrifice. You heard his truck year and model too… I’ll bet his wife’s car is worse. He’s thinking like a divorced man, trying to regain his footing and get ahead, not like the married man he now is.

[@DannyGmusicc]

Being frugal and chasing more and more is a disease one day he’ll look back and realise you can’t take it with you

[@lindawilson4625]

LOL! Someone needed to say something "controversial". Thanks guys! You may have saved his marriage :-) Buy a home (NOT a duplex) and make your wife happy.

[@kenlang2154]

😂 No

[@mrsh2167]

you know it's bad when both John and George are laughing

[@iamkesha.]

Condos for $90,000 and $130,000? In Iowa and Arizona? Damn, I need to do some research to buy some investment properties.

[@BrandonVanZandt-nh4vi]

Lots of cheap real estate in Iowa

[@nickm4662]

Yuma, AZ is not the most desirable place.

[@mplslawnguy3389]

@@nickm4662 Yeah, it's a shithole close to the border.

[@jeraldbottcher1588]

I live in the Minneapolis / Saint Paul Area. There are nice houses that can be had for a reasonable price. I would move to buy a house sooner than later around here. The prices are not going to go down. It really depends on how long of a commute he wants to make. The wife does not want to live in a duplex, She wants a nice stand alone home. If you go 20 miles outside of the cities 400k will by a very nice house. Now if you MUST live in the ritzy areas then you can spend a lot more and get a lot less. They do not need to live on millionaires row.

[@mplslawnguy3389]

The closer in you want to live = higher prices, higher crime, and more liberals. Got away from that sinking ship 10 years ago and never looked back.

[@jeraldbottcher1588]

@@mplslawnguy3389 However, the drawback to living farther out is a longer commute (And I consider my commute time to be work time that I do not get paid for) Then you have to pay more for gas, and then parking. There are some sweet spot in our area, but it see, like even some areas are getting more expensive even here

[@strawberryme08]

He puts everything before his wife. Sad

[@neutralcommenter7800]

"I have turned our marriage into an ROI." Lol.

[@WannaBeHocker]

This is where being an idealist comes back to bite you.....be a pragmatist

[@robinkrieger8003]

My property in Florida has doubled in value in 4.3 years…..so…..even my Kansas homes have gone up a lot …it’s passive investing

[@amyethridge1798]

Well done, gentlemen 😊

[@robloxvids2233]

They didn't even get on him about going in half with their in laws... this guy is absurd. He's playing with fire.

[@kellibuzzard9431]

He said "I have half with my sister and her husband." He doesn't speak in terms of us and we.

[@jeraldbottcher1588]

@@kellibuzzard9431 I noticed that. I feel he is not working as a team with his wife. A marriage is a team activity. If you don't have a team you will lose in the end. If he continues down this path it could very well end in a divorce.

[@markoman5267]

This guy just wants to be real estate magnate.

[@philipgerry5228]

You can always buy a house: UNTIL YOU CANT.

[@mikemcconeghy4658]

Yeah, that's nuts. Making money from rentals while paying rent. I don't get it.

[@gailrodgers3079]

Good grief, even my jerk of an ex-husband got constructions started on a brand new 3 bed., ranch home that was around $40K way back whem. Granted, I had no say in the floor plan, but I did get to choose the carpets, vinyl, light fixtures and as all that stuff bored him he tried to hurry me along. But the point is, this guy was a stinker as a husband and he bought me a house. There is no reason you can't buy your wife a house. You are being as selfish as you want what you want, not willing to want what she wants.

[@Songbird36able]

😮 Mr. Bragadocious!! He called in to brag and yell his business. 😶🥴

[@dr_pinna543]

He may be bragging about financial success, but priority management and relationship IQ is mid. He's lucky is wife is patient. It's called compromise dude.

[@kylequintana]

It’s cheaper to keep her

[@bmbott123]

Guy saving for future. Future not guaranteed.

[@drn13355]

It is all HER fault. Dude sounds ridiculous

[@vjanec_]

He keeps saying “probably” before every number.. he is lying about something here

[@novamald99]

Buy the house, or look forward to loosing all the rental properties in divorce.

[@JustinCase780]

John keeps repeating "buy her a house" Are they both not buying the house? 😅

[@lexir7504]

yeah seriously at some point the wife is going to say hey wait i make half of this 200k i get a say lmao

[@FlutterSwag]

The fruedian slip

[@aisherwasher6959]

It sounds like he's referring to the husband's plans being what's holding them back from getting a house now. I doubt he literally means the husband needs to pay for it all

[@luminous6969]

His simp is showing 😅

[@flashthecorgi2053]

@@luminous6969 John’s the one that’s been married 22 years, this guys on his second marriage according to 7:10 so… who should we listen to here?

[@Caliabra]

Uggh he keeps moving the goal post

[@brooklynzoo81]

What problems to have 😅🤦‍♂️

[@shannongarrety6105]

I’d love to see the wife’s reaction to this episode

[@JoeyNYSDnomad]

This guy likes to hear himself talk.

[@strangeroamer3219]

Doesn't everybody these days?

[@Coolkem1]

I can’t imagine renting while my husband buys investment properties to rent to other people. He’s ridiculous!

[@Paul-ou1rx]

The guy who invests in real estate can't see the two birds with one stone here? He could be investing in his own property (not renting) and making his wife happy. He could still buy a duplex and rent out both units.

[@jmanrock11]

He wants the income not the equity it seems like. Also the wife doesn’t want a duplex so that’s out.

[@thehungrywolf69]

I feel bad for the wife 🤦‍♂️

[@Tyler-ug4tq]

Can we get the every dollar app in canada please?

[@ShelliN-m6o]

Who in the heck would buy a condo in Yuma , AZ. You might as well buy a house in Needles, CA. ........sorry if you live there but you know what I mean. "BUY HER A HOUSE"

[@welon17]

You can afford a home, get it. What's the point of getting money if you ain't gonna enjoy it?

[@lyndabelknap8367]

Greedy sickening people. Me me me.

[@bskinny9009]

This guy is so painful to listen to.

[@lombardo141]

This man is so set in life but needs to have chaos so his life means something. So sad…

[@PinkHydrangea]

His wife would be over the moon if they got a house. I hope he makes smart choices because her only smart choice might be to divorce him if he’s not careful.

[@Acgijhffx]

Dr. John is blowing the "dont put her in a position where she's inclined to divorce you" bullhorn in this video, and the redpillers in the comments are still calling him "simp" (as if you can be such a thing to your own wife 🙄). Im starting to think they actually love divorce and love moaning about it

[@keithredsox36]

I don’t think a lot of people understand how much you have to put down to not be house poor. For example if you lived in Connecticut and made 100k gross it would be around $6,000 a month. Meaning a mortgage of $1500 on a 15 yr fixed. You would have to legit put down $110,000 or 55% down for a $200,000 house.. which is hard to find. That would take at least 3 years maybe 4 but then the house will be $250,000. For a $300,000house You would have to put $187,009 down.. and if you could save $3200 a month it would take you 6 years roughly.. Also all of that is after you get out of debt , emergency funds, sinking funds . So you’re talking about a possible 8-10 journey towards home ownership. What are your thoughts?

[@aaronmurphy8796]

Sounds like unfortunately he didn’t make sure he and his chosen partner wanted simailr things before getting married . Hard to work around a partner who doesn’t want the same stuff .

[@magnumend88]

I made it to the 4 minute mark. Can't finish this one.

[@dannyh9010]

After this guy talking non-stop for 2 minutes solid, I couldn’t finish either.

[@imveryhungry112]

HUMBLE BRAG.

[@l3hxy]

Gonna show my kids this video when they ask me about the effects of fluoride on the brain.

[@misoudeweese7209]

Huh? They have $200k in savings and you are telling him to empty the account toward down-payment? They should hold back 4-6 months emergency savings. Based on their income, that's about $50k (especially since his income fluctuates). So, only $150k should go toward down-payment.

[@katemiller7874]

Whatever. Get her a house.

[@dr_pinna543]

But they make $200k+

[@JML542]

He hadn't added in his monthly rental income into there either... so there's that, too.

[@scottgoodson5132]

3 years ago, homes were considerably cheaper and interest rates were

[@CloakedC]

That was a good one George 😂

[@michaeldaugherty1933]

Seems like sound advice to me! this guy does not include others in his thoughts, unfortunately!

[@bradleymaravalli2851]

Lance, I love the hustle but you all need to budget for your life. 25% of your household income should go towards a home. That shouldn't be unreasonable.

[@ricksanchezsflask8794]

I bet they have a lovely marriage. If the caller stayed single and frugal this whole time, he could live off his rentals and never have to work.

[@TheSoulCrisis]

This dude is going to end up with as many divorces as he has rental properties…..only question is which one will win the race lmao! Glad they gave him a hard time and highkey roasted his tail! 😂😂

[@1tommyday]

Dude is so afraid...of running out of money. Guess what Lance? If you wait until " just the right time" or " when we have enough money", it will never happen. Buy her a home. They were not kidding about divorce is expensive.

[@alexpietsch7997]

As an Iowan....this is why our housing market sucks

[@romanyimesgen6136]

I really think this guy is a cheapskate. All he want is grow his wealth but wants to live in a rental property and you don’t know what’s going to happen tomorrow there alone and how many years you’re going to get the money you talking about. Do you really care and love your wife you buy the house .I’m surprise she still staying with him sounds annoying.

[@MorKing86]

Wow. How is this guy married?