Dave Ramsey Responds To George Kamel's Financial Advice

[@TheRamseyShow]

▶ Watch the original Highlight that caused Dave's reaction: I'm 86-Years-Old and Broke - kzbin.info/www/bejne/oIWpm4GQpL1kjNE

[@AieMem67]

Thank You Mr Ramsey for changing my life you deserve more subscribers and more views

[@weldchip]

You guys made money from this ladies misery and public humiliation. How about you step up and give that money from these two videos to her and really help. That would be the right thing to do. I'm here for the financial and leadership advice not to see an old lady that's fallen on hard times humiliated publicly for your organizations profit.

[@ddubsr5886]

@DAVE RAMSEY TEAM: Do the episode of Taylor swift concert so we can see Dave’s reaction

[@Chicago48]

She should sell the house, pay off the debt and move into a senior apartment building. IMO. That house is probably costing her $$$ just to maintain. Things break and need repairs.

[@letstalkaboutgermany8288]

@@weldchip I mean.... you are not wrong.....

[@luisvigo3777]

They got Dave doing work audits live on air 😂😂😂😂

[@Mimi600]

Lol 😂 facts

[@dr_pinna543]

Love that they are reviewing this.

[@Polkadot2]

Exactly!

[@kasession]

I think we're looking at another type of segment. 👍🏿

[@siva47931]

Youth in Asia is another option

[@joeriveracomedy]

Ramsey likes to be tough on people but can't handle criticism or being corrected. They are sawft.

[@kbanghart]

​@@siva47931not in red States, illegal

[@jessicacarmen2458]

Dave's way of saying George was wrong while still defending him makes DR the Goat

[@greggpurviance7252]

Never said he was totally wrong, made fun of him telling an 86 year old to get a job. Grandma needed a reality check. She was living in a dream world.

[@alanlippincott2802]

This is the equivalent of a politician or celebrity apologizing at a press release. It's an attempt to sweep the blunders under the rug and you bought it.

[@macummings7818]

Absolutely ❤

[@commonenglishmistakes4360]

If George was wrong, what was the correct solution to this situation?

[@greggpurviance7252]

@@commonenglishmistakes4360 he wasn't really, maybe a little abrupt with an irresponsible, I can't do anything to fix this, old lady

[@lydiamae1727]

My 83-year-old grandmother was able to get two college girls to rent rooms in her home when she retired, and this allowed her to continue paying her bills while staying in her house while not going out. It also brings a lot of peace to our family knowing there are other people living in the house with her. They are really sweet girls staying with her.

[@vestagirl8484]

That’s a great idea/situation!

[@charlieodom9107]

Ooooohhh....that is an AMAZING plan!!! A college student would easily pay 600-800/mo each.

[@SouthernGalPal]

It's all good George. My 90 year old dad-in-law still works four hours a day. It's what's keeping him alive.

[@yolandemurphy9803]

Noo - it's not good. She is frail - goodness me 😮

[@ungphuc]

Ya he was cornered into this last resort suggestion because she isn’t willing to give up on anything. She gotta pick ONE!

[@SouthernGalPal]

@@yolandemurphy9803 Don't underestimate the abilities of elderly people. They make wonderful part-time customer service representatives if they can handle the technology. Or, lightweight tasks if they are still active.

[@SouthernGalPal]

@@ungphuc I know. My first thought was renting out a room, but, they got to that. Or, downsizing and creating a home with her daughter where they live together, but, separate entances. I didn't watch the original call, so, don't know why she "can't" live with her daughter.

[@DeadSpace014]

​@SouthernGalPal she said she was already receiving money as help from her daughter, and she didn't want to be a burden to her. On top of "budding personalities".

[@blongshanks77]

Dave handled that like a true professional. Nothing but respect for the way he corrected George without humiliating him at the same time.

[@aschmitt89]

And George took it like a champ! He acknowledged that it was rough advice, and overall this is awesome! I love this exchange! The only part that I do NOT love is that poor lady's situation! Man, that really sucks!

[@amireallythatgrumpy6508]

Dave probably made the same mistake once in the 1990s.

[@emoney1231]

Caller: "I have no money" George: "Have you tried to get some?" Audience: 😲

[@SalisburySnake]

LMAO 😂

[@leefairbridge993]

86 year old man lol

[@macummings7818]

Brilliant summation! 😂

[@MyAirMyles]

​@@leefairbridge993 math is still math at 86

[@sharondoan1447]

The Caller does have money she refuses to use. She has a house to sell.

[@normILL]

I love the idea of re-reviews with Dave on clips that go viral!!! Keep em coming!

[@SO4JTV]

I added too to do a program “Where are they now” or “Dave’s Do-over” show .. 😅 .. we often wonder where some of these people are today .. did they heed the advice .. etc.. 😜

[@FTG2Eli]

Big Time!

[@jkell2888]

Agreed I love this

[@waynesbeenthere9681]

It marks the excellence of Ramsey and the group to address problematic advice given rather than use the 'delete video' approach. The original video- advice was very incomplete, but in this video it was Well done.

[@greggpurviance7252]

And I'm sure you would give compleat advise on a few minute call. The problem (other than spending all she made in the first place) if they suggested meals on wheels, she would say, "I don't like their food and I would have to be home to receive it." And she couldn't get along with a roommate. Etc.

[@dr_pinna543]

@@greggpurviance7252 She was 37 when her daughter would have been 18. What did she do with her money for the next 43 years that she was working?

[@chesmom2]

I'm glad Dave addressed this call. There are options for this poor woman including getting food from the local food bank, signing up for Meals on Wheels, checking with the local department of aging, etc. Some areas even have programs to help with elderly with pet food and expenses.

[@shannonrose4916]

Exactly!

[@dasheffield5596]

She should be eligible for food stamps?

[@JellieJoShmo]

So shouldn’t she call her local organizations/agencies for resources? The Ramsey team doesn’t know which resources are available to people, they know about personal finance - not government or non-gov assistance. I agree that she should seek out that assistance, but that’s not what the people at Ramsey do. They don’t connect you to local assistance. They help you get out of debt, invest in your future, & increase your income.

[@DeathSpellXVI]

Yeah but he’s basically just said the audience was just bitching about it at least they were trying to help her 😂

[@kleindropper]

Better yet, get the EBT cards and sell them for cigarette money while getting your food from Meals on Wheels. A lot of people do that in my state.

[@alexsteven.m6414]

Successful investing is hard work because it means disciplining your mind to do the opposite of human nature. Buying during a panic, selling during euphoria, and holding on when you are bored and just craving a little action. Investing is 5% intellect and 95% temperament.

[@PremSteve-yg4de]

Government policy has thrown the future under the bus for decades. The day of judgment is near. I predict an 80% drop in the stock market. Investors will abandon stocks in favor of real estate. There will be no money in banks... You must devise a strategy for survival.

[@NorthCarolinaForward]

It's often true that people underestimate the importance of financial advisors until they feel the negative effects of emotional decision-making. I remember a few summers ago, after a tough divorce, when I needed a boost for my struggling business. I researched and found a licensed advisor who diligently helped grow my reserves despite inflation. Consequently, my reserves increased from $275k to over $750k.

[@samuelrandy-k8x]

this is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio allocation

[@NorthCarolinaForward]

Rebecca Nassar Dunne is the licensed coach I use. Just search the name. You’d find necessary details to work with to set up an appointment.

[@dengdelun3109]

I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.

[@sprint7412]

The hate must have been extremely bad for Dave to think he had to address it.

[@sarashann]

I know I don't comment negativity on Team Ramsey videos. This one drew a harsh rebuke from me.

[@franciskeys9810]

@@sarashann Same for me. I was shocked by George's harshness, and I'm even more shocked by the brutal commenters who want to punish her for being poor at 86. What a world.

[@CrayonEater94]

I think he got more hate on the 4% withdrawal but Dave said nothing

[@JustinCase780]

Not really. It's called promotion of the show.

[@fdllicks]

I saw the episode, and i was frankly shocked. I think the younger guy hasnt had enough life experience yet to counsel older people

[@theburnetts]

Love that they came back and addressed this. Shows once again that nobody can really replace Dave and his wisdom and experience. I feel like they need to hire a Ramsey Personality that is someone maybe in their 50's that has more life experience than all of the younger people they currently have.

[@whosaidthat9265]

Dave literally agreed with every recommendation they made except for the get a job part lol that woman had every reason in the book why she couldn’t do anything outside of sitting there and becoming poorer

[@arh1234]

They tried. Chris Hogan couldn't remember the Baby Steps even after years on the air.

[@Shortballa11]

Chris Hogan was great bt there was a falling out

[@Shortballa11]

@@arh1234 Wasnt it a bigger issue of morality?

[@whatevergoesforme5129]

@@whosaidthat9265 And that is what most of us reacted against plus the lack of empathy. Many said that Georgie could have worded his advice with more empathy but he was kinda impatient and did not let the old lady finish her sentences. I did not even hear her specific monthly expenses so that we can actually do the math and find out which expense needs cutting.

[@Undefined14]

I don't always like what Dave has to say, but I think he perfectly nailed every aspect of this.

[@jumpiam8477]

I wish Dave call her back. Wish her the best! I felt sorry for her that day.

[@nathananthony7517]

I was screaming at the TV to default on the credit cards. Only thing it hurts is her credit score. It's not like she needs to take out another mortgage at 86.

[@Music-yq8qc]

The credit companies can take her to court and find ways to retrieve their money. Don't be surprised if her social security was touched.

[@vickieclark5931]

@@Music-yq8qc That's the thing I disagree with about what Dave just said. She could be in even more trouble by not paying the minimum on her credit cards. If they start garnishing her social security checks, she will be far worse off than she is now. It would be best just to file chapter 7 because that would protect her social security checks.

[@brandondavis9016]

@@vickieclark5931social security can’t be garnished

[@brandondavis9016]

Social security can’t be garnished Not on credit cards at least

[@barbararepko4824]

And at her age she’s judgment proof.

[@flygirl2447]

Thanks for chiming in Dave. I listened to this call and the only part of the advice that I took issue with was when George suggested she get a job. And when he reminded her that she didn’t set herself up for success. As if she needed a reminder. This is probably all she thinks about George. She probably worries about it all day every day. Love Dave’s suggestion to default on the credit cards and /or sell the house. Neither is ideal but in this situation each would create some breathing room. I listen to your show often and love how much you all help people in tough situations. This isn’t to say my opinion matters to anyone. But I do have an elderly mother who is struggling like many are. A little situational awareness on George’s part would have given this woman hope.

[@franciskeys9810]

Selling the house is terrible advice. All of you who don't have any clue how to navigate poverty really need to face your own ignorance and limitations.

[@danayarbrough1494]

Again an 86 year old who continues working is one thing…an 86 year old RETURNING to the work force after years of not working and with health problems is something else

[@drn13355]

I heard the call. The main issue was they would give a suggestion and she would say how whatever they said wouldn't work. So it was kind of pointless anyway.

[@rebekah.2187]

@@silentnot4812 As I recall, she said early on that her health problems were "manageable" (her word), and didn't mention the leukemia until after George suggested getting a job. Then suddenly she had low energy too. I think George specifically asked her about her health, maybe to gauge whether or not she could work. It really makes me wonder what she's been doing since her daughter/children left home? She could have gotten a second, part-time, job to save for retirement.

[@PoyTroy]

She was full of excuses. She even mentioned that she was a single mom since 19years old and received no child support. It’s like ok, your daughter is grown and living a good life. Why didn’t you work and save. Everything was an excuse and you could tell the host were over it by the end 😂

[@m_ellemarga8815]

This!!!

[@JacobsNews]

​@rebekah.2187 this is what happens when children try to give Financial advice😂 they don't know what 86 is 86 is 56

[@JacobsNews]

​@@PoyTroyshe worked till she was 80 and her house is paid off😂

[@hiddenprofits216]

George really told an 86-year-old woman to get a job 😂

[@dandiaz84]

George is a loser and need to be fired

[@dr_pinna543]

​@@dandiaz84nah he isn't. He's winning financially. He does better on his own channel with other financial gurus.

[@dandiaz84]

@@dr_pinna543 he can win financially but still be a horrible person….which he is from his advice.

[@marcusarelius]

When I first saw the actual call, I thought he was joking but apparently he was not. Yea, that’s messed up

[@jeffpadilla9891]

@@marcusareliusWhy? She is unwilling to do anything and just make excuses, a single mother at 19. That was 67 years ago.

[@traivon3760]

At 86, credit cards would not matter to me

[@deb9806]

My mom lived to 98, might be a while to default, Dave giving her a death year was a little odd

[@traivon3760]

@@deb9806 I’m not talking about default. It wouldn’t even be on my mind at that age

[@toohda]

They’d just garnish your money lol

[@robloxvids2233]

It seems like they matter to her since she uses them to buy things she didn't earn.

[@karloliver4949]

Not necessarily the case. The stress from constant debt collection calls and nasty collection letters can increase the likelihood of heart attack or stroke. Not kidding. Perhaps better to get a bankruptcy reset. See Deuteronomy 15: 1-2 (Dave's least favorite Bible verses). She' would keep the house, the car, households goods and soc sec.

[@joshdean7523]

“Yeah, but we’re not the ones that didn’t set ourselves up for a bright retirement” - George Kamal to the 86 yr woman. Classy. And let’s be honest, the producers highlighted the call as a cautionary tale, more than to help the woman.

[@dic2504]

I heard the original call and my heart bled for her! Never rehome the dog with a 86 year old who lives alone! Downsize in housing, get a nice roommate....

[@lynnjoseph7359]

I hope they called her to tell her this. That hurt me dearly for her

[@TLA123y6f]

Yes. If they really want to clean it up they should call the person whom it was inflicted upon.

[@James-vj5hz]

Tell her what? She refuses to do anything that will help. Sell the home, sell the car, rent a centrally located apartment near all amenities in an aging in place facility. Do not pay off credit cards, only use debit. Enjoy the remaining time on this planet.

[@Gran-T]

Sell her house and rent the rest of her life and she'd have money left. 600K neighborhood. Her house is probably worth more than she knows

[@curiouscat3384]

George's suggestions were not necessarily bad. But his tone was patronizing and scolding as if talking to a teenager. Let's see how all you people feel at 86. Selling and buying and moving to a different location is REALLY hard for an old person. REALLY hard. I'm 70 and still going strong but I've helped a lot of elderly women go thru this transition and without some kind of emotional, financial and physical support it's impossible. The only thing I would have advised is for her to swallow her pride and cajole her daughter into helping her. I actually think at her age that a reverse mortgage could work for her, especially if she's not concerned about her daughter inheriting full equity as she spends down the equity. But the important lesson here for all viewers is to plan ahead for not being independent and strengthen your support systems BEFORE you turn 75 which is when the decline starts to happen (I know I know there are a lot of vibrant productive octogenarians but they are in the minority)

[@Enig_Mata]

For the most part, I agree with you but I think your advice to cajole her daughter into helping her may be wrong. Who knows the type of mother she was - she may have been very abusive and could still be abusive. We also don't know if the daughter has the ability to support her mother without hearing from the daughter.

[@Bronte55]

Excellent comment. Thank you. George really blew this one.

[@stephanied.k.3589]

Making those living arrangements by 75 is exactly the learningI am taking from this call.

[@luminous6969]

Yeah he took the call like he would any other call, whereas Dave sometimes puts his gentle hat on.

[@WonderWomanInMichigan]

Agree on that tone. Not compassionate

[@EppingForest304]

Didn’t realise she was living with Leukaemia as well… she barely had the energy to speak on the phone 😢

[@warrioroflight3813]

She owns her house free and clear, she just needs a reverse mortgage or a heloc.

[@johncameron4194]

Keep the dog

[@girlygirl1890]

@@johncameron4194 Absolutely. her dog is probably what keeps her going. Some things you can't put a price on, especially at that age.

[@vestagirl8484]

@@johncameron4194the Ramsey Show HATES animals.

[@hockysa]

@@vestagirl8484they do not hate animals. They hate people making purchases they can’t afford and for some people they can’t afford to look after themselves let another an animal.

[@clarenceishmael9615]

The way Dave turned it into a teaching moment for George was impressive! 👏🏾👏🏾👏🏾

[@andrewroussey3723]

This is the first "Dave reacts" video I've seen. I like it!

[@kay22100]

So glad Dave addressed this!! That call had me HOT!! It’s a learning opportunity. Outside of him telling her to get a job, it’s the condescending tone he took with a lady who sounded half dead !

[@girlygirl1890]

@kay I totally agree. I heard this call when it first aired and I was like....what George? Oh heck no!🙄🙄

[@Menckenperson]

When I watched the original video last week, I was practically shouting at the screen, QUIT PAYING THE CREDIT CARDS! Glad Dave came back and suggested it.

[@bryandelcid4065]

Good for George to respond to criticism lol. Still asking an 86 y/o to go back to work is wild man 😂

[@arh1234]

Historically, everyone worked until they died. "Retirement" for the masses is an invention in the past ~60 years

[@dr_pinna543]

She had every excuse. If she didn't want to go back to work, she should ask her daughter if she could move in and pay rent. No time to fix relationships like now.

[@felipeoliveira2219]

Should ask George if that lady was his mom, would he still let her go to work at 86? come on dude..... no wonder Dave had to address it.....

[@drtij_dzienz]

There are 90 year old wal mart greeters that didn’t save for retirement

[@bryandelcid4065]

@@drtij_dzienz Yes, which is sad to see. You also have to take into consideration the generation. When that 90 y/o was 20-25 it was in the 50’s, a time where it was truly a man’s world and women didn’t have access to a 401k with match or pension automatically like they do now. Not to put an excuse but those times were indeed quite different.

[@nrqed]

He also said that she should consider getting rid of her dog. A frail, sick, elderly woman, whose animal is probably one of the highlights of her life.

[@cyoohoos]

To the estate of this 86 year old….. credit card is UNSECURED Debt. The CC company will want their money but you have NO OBLIGATION to pay

[@SalisburySnake]

They can get paid from her estate when she dies though, which means the heirs are forced to sell the house and lose some or most of it. Which is not really a problem for the caller, but it might be for the heirs.

[@crjcrj8443]

Who cares about the heirs. It’s about the woman now. They can sell the house and pocket the rest .

[@cyoohoos]

@@SalisburySnakeWas in the situation. Sold my Moms home. Key she should have a will. Get a lawyer to Transfer the deed out of the estate to the heirs. Then sell it because it's your house not hers Told CC card company to call Momma and if they can get her on the phone then make her pay. Dave said it…THEY loaned her that money

[@karloliver4949]

Unless they obtain a judgment

[@cyoohoos]

@@karloliver4949 Been there done that. These credit card companies write off so much bad debt... that's why their interest rates are ridiculous. They aren't going to work that hard because it's a tax write off. But go ahead... pay them. And they can get a judgement on the estate.... if all the assets are gone... then what? Ruin my Dead Momma's credit? Garnish her wages? Call Jesus to send her back so she can pay? They CANNOT come after anyone not on that card and they know it. So they intimidate you and the weak fall for it.

[@debbieholoquist2059]

I'm so glad to see you reviewing that video. As a person who has always pushed for financial responsibility, I saw my mother struggling to pay miscellaneous bills when she was 78 and suffering from lung cancer. I told her the same thing you suggested, Dave -- don't worry about those bills. I suggested that paying $5 a month would be okay if it made her feel better. (Oh, and I believe the dog only cost her about $200 in vet bills for that one instance, not every month.)

[@franciskeys9810]

It was a single vet visit. I don't know how people get so focused on one random data point.

[@JosiePC44]

I saw the original show, when he suggested she go back to work, then gave her sh!t for not planning better -I was stunned. That poor lady probably beats herself up everyday about her situation. She didnt need to be scolded like that, especially now. What was the point? Maybe he doesn't have anyone close to him who is elderly. Anyway, one bad call isn't the end of the world. I hope that lady's daughter steps up to help her out.

[@angooredcow157]

Thank you for revisiting this phone call. Your podcast will only strengthen when you are willing to review less than optimal recommendations. It shows humility. I was astounded when George suggested that the caller returned to work at 86 years old. I have neighbors here who are younger than 86 years old. They can barely move or follow instructions or discuss mundane issues. It is not the end of the world, George. We all make mistakes and learn from them. It is indeed difficult to think and solve problems right off the top of your head over a telephone phone call. More importantly, I hope the caller is okay. And, George, I hope you are okay too.

[@ForTheChristians]

I appreciate that Dave said she might consider default on the credit cards. The predatory CC’s can eat the loss in this one.

[@brandondavis9016]

Exactly!

[@SalisburySnake]

They won't have to. They can't take her house while she's living, but they can take part of it after she dies. By which time the bill might be all of the house.

[@KennedyIvy]

Hows she going to live once credit card companies stop giving her credit?

[@brandondavis9016]

@@KennedyIvy social security income

[@megalodon1726]

She's living on the credit cards. Anytime there's an expense that causes her expenses to exceed her income, it goes on the credit cards. She won't choose to default on them because she needs them. She'll keep piling up more debt on them until she can't make the payments.

[@tylersanders2388]

I remember that video. My comment on it was that she is one of the few people that could actually benefit from a reverse mortgage. Sell the house out from under herself and live in it for the few remaining years of her life. Apologize to her daughter that there’s no inheritance

[@azbuckeyegirl9523]

I had that thought too. But I really don't know the details involved with a reverse mortgage.

[@crjcrj8443]

Reverse mortgage is the answer . She will live in her home as long as she physically can. And the mortgage gets paid when the heirs sell the house.

[@tylersanders2388]

@@azbuckeyegirl9523 it’s a financially stupid decision. Basically you’re selling the house and the mortgage company pays you monthly for it until you die and then resells it and collects the money when you’re gone. It’s how to sell your house and keep living in it temporarily. Only do it if you’re about to die and don’t have anyone you want to give an inheritance

[@Louie_V71]

I was scrolling to find this comment. I don’t typically like reverse mortgages, but this woman’s problem was income, which defaulting on her credit card would not solve. Selling her house to try and find cheaper accommodations seemed Ike it would raise her cost of living- but at least she would have the proceeds in the bank. Staying put in her home with its low expense and a steady stream of income would probably be a good option. I wonder what Dave would say about it?

[@tylersanders2388]

@@Louie_V71 Dave would say absolutely not, purely on principle. Dave’s thing is to give advice for the general public so he will only give advice that is good advice for everyone

[@janicewright4007]

The right response was don’t worry about your debt. You’re 86. Take care of yourself

[@kellibuzzard9431]

Or, ask your daughter--the child you reared singlehandedly--to help you.

[@DB-gh4ut]

⁠​⁠@@kellibuzzard9431not the daughter’s responsibility! She should’ve managed her money her adult life! Just because she decided to give birth to a child doesn’t mean the child owes her.

[@janfahey6387]

If I was 86 in that position with failing health, I’d skip the debt. Don’t pay. I agree completely with Dave.

[@lisahuff7779]

Reality, not every age and situation is the same. My father had a heart attack at 42 went back to work and died on the job with a widow maker at 42. My mother had scared lungs from getting hooping cough going around the nurses as she was born (a life long struggle of breathing full breaths) Dies at just turning 48 . LESSON , one size does not fit all, and you have to walk a mile in someones shoes to see the full pi ture. I think am over this whole internet thing . People seem to think pretty highly of themselves and there are those that have had more than their far share of tragedy and keep on going (but it doesnt look perfect) . Have a blessed day everyone

[@HCheatNcool]

I hate the government and everything that they do, but if this lady doesn’t have a church or a family that can help her this is the exact time where someone legitimately could use some help from the state. These are the type of situations that assistance programs are made for. To keep a poor old lady from having to sell her house or get a part-time job just to have a meager living.

[@zacharyfair6738]

they are probably roasting George at work lol

[@davinasquirrel7672]

I was another critical of George's advice to an ill 86yo woman, and not trolling, I was genuinely horrified. My advice on the original video was to find out the local services in her area, like foodbanks (I don't know anything about the US food stamps). Further, there may be organisations in her area that can help with vet services, rather than the horrific advice of "give up the dog". Pets are quite often the elderlies' lifeline and sole companionship, quite horrible to say to 'get rid of' the pet. Her main 'over budget' probably stems mostly from the CC payments, and if those were gotten rid of (either by default, or by donations - hey you Ramsey millionaires, give like no one else, here is your chance to step up), and if she was able to connect with the other services like foodbank in her area, then although she would be living humbly, she would get by. George needs to realise, many elderly just are no longer capable of "get a PT job". My mother is a similar age to this lady, and was up until the last year fairly active, but now she is no longer physically capable beyond looking after herself and house, she does not have the capabilities of extra on top of that.

[@BrooklynP333]

Dave, I'm doing this work too, because I really care. Never trolled or redit. I've followed your work for a long time, and never commented before, but I couldn't help it with the 86 year old caller. I appreciate you, and that you are actively involved in mentoring young George. Well wishes to you both. Was there any follow up with the 86 year old? 😊

[@Gajdosh]

I love seeing Dave sticking up for his people. He is a man of integrity and that's why folks love him. Honest mistakes happen

[@777RL]

Working at 86…breaks my heart.

[@untouchable360x]

So is making poor decisions for 86 years.

[@JW-vl5or]

So she has been a single mom since 19? Bad decisions for 67 years? What did she do from 40 onwards once the kids were grown?

[@jalentolbert6162]

My co-worker is 89...ppl don't believe me 😂😂 her sister is 96 and the both work everyday

[@vickieclark5931]

@@untouchable360x BINGO! I'm not planning on working at 86, which is why right now in my 50s I'm getting things taken care of. That's what we all should be doing so that we can enjoy our retirement.

[@kbanghart]

​@@untouchable360x Yes, blame kids for being born.

[@letstalkaboutgermany8288]

I am glad that you revisited this disturbing call and yes, telling her to get a roommate is a great idea. I have been working with seniors my entire career and I urge you to show this lady some grace. She is not a spoiled teenager who doesn't want to take your advice. She is 86! I know many people who are commenting here are young and can't imagine what it is like to be 86, but I am telling you, eighty-six is OLD! She might not have even heard what George and Jade said through the phone, let alone had the time to process it. There might have been some cognitive issues involved, maybe even some dementia. Just imagine you are on that call, live on the air, and you have 5 minutes and George and Jade are asking you all these rapid-fire questions? That would be challenging for a 30-year-old College Graduate, let alone for an octogenarian. Plus, she has leukemia and she is scared and the fact that she picked up the phone and dialed the number is a huge accomplishment. At this point, it actually is the daughter's job to take care of her and make sure that she is safe. Or, as Dave said, ride it out with the credit card bills....But please no more comments like: "she doesn't want to do what we said" or "she should get a job"....

[@rebekah.2187]

I noticed that she was having trouble hearing/understanding them. At first I thought, maybe she could work from home, answering the phone, but I realized that idea wasn't going to work. Is telling her to get a roommate really a good idea? I'm worried about someone taking advantage of her. That's the last thing she needs.

[@letstalkaboutgermany8288]

@@rebekah.2187 I actually just had that happen: I was caught in the recent flood in Miami and needed to get Mazda roadside assistance to tow my car. The lady who answered the phone must have been in her seventies, she couldn’t even work the phone, let alone help me. It was a harrowing experience….. and about “our” lady from the Ramsey show: 86 is REALLY old. We can’t expect octogenarians to work. It just isn’t happening… yes, there are always the outliers, those who complete a Master’s degree at 105, but these are unicorns…

[@EmeryShae]

She’s still using being a single mom at 19 as an excuse for where she is at 86. That’s not a woman who takes responsibility for her life.

[@sarah345]

This is why I only watch episodes with Dave in them. He uses the Ramsey method, but he’s also realistic and he actually tailors his advice to each person and comes up with out of the box solutions as well. The others just go down the list of prefabricated advice to the point where I know what they’re going to say before they say it. It’s like they’re afraid to go off script. “Sell everything, get a second job, get out of debt, save up an emergency fund…. Etc.”

[@ddramos7997]

They're destroying his show and his reputation, and he's letting them.

[@marshalltille7770]

Unlike us, they DO try. Obviously they get it right most of the time. Maybe mistakes were made with this caller.

[@bcjammer87]

“Just stop paying on the credit cards. They shouldn’t have loaned an 86 year old person money so that’s what they get.” 😂😂

[@TxLoneStar817]

Dave keeps things real raw and authentic. I’ll never stop listening to this show no matter what ppl say.😂❤

[@mkw7285]

I love that Dave respectfully addressed this but still stood behind George. This was a very difficult call/situation to navigate, and Dave knew this. He supported George and stood behind his team. Real class. 🙌

[@AffaanMansuri]

Woah 🎉 this is good content where dave reacts to their personnel's advice

[@EsiriE]

Yeah, I hope they make this a regular thing! 🎉

[@vickieclark5931]

@@EsiriE I agree. I love it! It's good also, so that Dave can make sure everyone is on the same page. He should definitely do this more often. Sometimes it's great for a laugh like this one was.

[@joeriveracomedy]

Mr doloney needs a talkin' to. He is the fakest tough guy I have ever seen on interwebs.

[@corvairlover]

One of the most annoying things is when the alternates give advice that wouldn't remotely be what Dave would say. They all are guilty of this. Hopefully this is a learning experience.

[@EsiriE]

@@vickieclark5931 exactly because alot of people in the comments say “I wish Dave took this call” so it’s good to see his thoughts. Lol.

[@arfo8353]

Why didn't they bring up seeking any social programs that help the elderly with bills. There are also local food pantries that can help offset the food costs. There are churches that will help and even deliver food and household items to her. I know Ramsey is generally anti-welfare and against dependency on social programs, but she is past the point where she can do this herself and needs social support.

[@SuperFriday]

They want to protect their brand. She could easily get benefits and extra help

[@sarashann]

Thank you Dave for responding. Your advice is spot on. I'm not one to bitch about it, as you put it, and I've followed your advice for decades and it's put us in a sound position. When I heard George talking to this woman, I came straight up out of my chair, mouth open in shock. I immediately posted a comment critical of his response. I'm glad the Team took viewers' input.

[@stephanied.k.3589]

Love that you guys followed up on this call. It really is a reminder to me to execute my plan to be settled in my last living spot by 75 yrs old. It is difficult to make that change of residence as we get up there in age.

[@franciskeys9810]

That's my takeaway, too. I just turned 60 and I'm honestly one serious disease, injury, recession, war, or God knows what else away from dire straits.

[@jordanspringer8]

This is what I said to the original video: Sell the house, get an apartment. Even selling for 200k and renting a $1500-1800 apartment in Jacksonville is easy to find. Pair that with her social security and she’s covered for the next 8-10 years. Take 150k of that 200k and put it in a GIC (if possible) and at 4.5% in 1.5 years, she’d earn an additional 10 grand right there. She doesn’t need to work.

[@Chet_24]

She wasnt interested in selling the house or moving. That was a huge part of the problem.

[@jordanspringer8]

@@Chet_24 yeah that’s true, she wasn’t interested in any sort of change, just like most people who call. A lot of them just want a simple easy fix.

[@franciskeys9810]

And if she lives another ten years and rent goes up to $3,000 a month, then what? What if the Fed drops the interest rate and inflation goes back up so a GIC is actually a negative return? This is terrible advice.

[@ConstructionHoney]

​@@franciskeys9810if she lives to 96 I will pay for her 😅

[@bradycone]

Absolutely. The answer is to sell the house and rent. Maybe even rent a room from another elderly person. George made it sound like renting would be horrible because the cost goes up. But she only has a few years left, so that doesn't matter. And, she doesn't need to be maintaining a house at this point. Telling her she should buy a different house is crazy. About as crazy as telling her to get a job.

[@cedricnicholson7446]

I’m actually a certified life and executive coach and I commented on the original video. I suggested that she talk with her daughter and ask her to help supplement the $200-250 per month for the remainder of her life and in turn when she passes her daughter can sell her house and get that back plus the extra equity from that.

[@barbarasbisa892]

The daughter gets the house anyway. Why would she ante up money to someone she doesn't get along with? Old lady needs to sell her house, pay off her debts and get a senior apartment or mobile home.

[@DB-gh4ut]

Why are people saying the daughter needs to help. The adult in this situation screwed herself to where when she is 86 that she can’t afford to live.

[@karloliver4949]

Why not get a bankruptcy reset? Zero out the 30k in cc debt. Keep the house, car, household goods, and retirement income. Credit back up in 6 months. The stress of debt on an elderly person can be life threatening (stroke, heart attack or other serious health ailment). Then should could use the money she was paying for cc for savings.

[@CroisMoi]

You assume the daughter has extra money. If she is in her 60's, she might need all her income. She also needs to think about her own retirement. It is time to look at social assistance. Food banks, meals on wheels, and all the companies that help people like this.

[@Michael-kv5ff]

Now react to the taylor swift tickets thing dave!

[@actuallyterry]

I agreed with Ken on that one.

[@janelleg597]

That wasn't spicy

[@devpav9880]

Poor people buy Taylor Swift tickets. Rich people sell them.

[@Shortballa11]

The whole comments section was torn like never before on that one

[@whatevergoesforme5129]

I am fine wit that advice given there since the daughter has to pay her student loans and not her mom who bought those tickets. And the mom had no intention of paying off that debt anyway so why the sudden change now?

[@gm2407]

George: Are you able to work? Caller: I'm 86 Bizaro George: Have you considered Only Fans or streaming?

[@DeathSpellXVI]

Funny enough there’s an audience for that.

[@gm2407]

@@DeathSpellXVI I suspect if George had sugested that Dave might have fired him, don't think Dave is for that.

[@jshepard152]

"Do you have feet? Are they nice?"

[@zachbarthelemy8113]

@@jshepard152😂

[@aliciaohara8794]

I said to just default on the CC's...also make sure she's getting all of the senior benefits she can - including food stamps, reduced heating, reduced property taxes, etc.

[@angryox3102]

I said to default too but people said that I was immoral for suggesting that😂

[@franciskeys9810]

@@angryox3102 What's immoral is trying to take an 86-year-old woman's house and even her dog.

[@angryox3102]

@@franciskeys9810I agree wholeheartedly.

[@Themoomabides]

Caller: I’m an 86 years old woman and in debt with only $1200 a month coming in. George: McDonalds is paying $20 an hour in California. Can you commute? Do you have a car? You can Uber. Best times are 12am to 2am when people are getting out of bars. I’ll send you Ken’s book on getting a dream job! Plus you sound anxious. I’ll send you Dr. John’s book too. I hope this helps!

[@angryox3102]

Dave said exactly what I did!! Default on the cards. People said I was wrong and immoral. I was right!!!!

[@shannonrose4916]

Right! I knew Dave would say screw the credit card company. What are they going to do to an 86 year old anyway? Paying for food and shelter takes priority.

[@benmoisio232]

You took money and never gave it back, I don't understand how you could possibly say you were right

[@karloliver4949]

See Deuterononmy 15:1-2. Bankruptcy reset.

[@benmoisio232]

@@karloliver4949 it literally only applies to Israelite during the old testament, which was are now old rules. But they're out of context anyways, just like we no longer have to sacrifice animals as it talks about in chapter 14

[@Srode1999]

It is immoral to borrow money and not pay it back. There are times where it is unavoidable though. Not sure this is where she is at. Maybe she is

[@ganthc]

Yeah, a Golden Girls situation would be great for her. Have 2-3 other senior women living there and help her get ahead on things. She could charge them $400 each and would do okay with surviving.

[@JaneJanniela]

Hello, I want to start investing but I don't know where to begin. Any advice or contacts for help?

[@alicedaniels]

Talking to an expert like Nancy Hall to reshape your portfolio, is a very smart move.

[@gabrieljackson6071]

The reality is that you cannot do it without a tried and true person like Nancy.

[@benjaminaaron]

Nancy's unique strength lies in her realistic approach which makes her different from other brokers that often set unattainable targets and fall short in delivery.

[@JonathanAllison-bo8xo]

Do you guys know her too? Her Success story is everywhere.

[@alexanderwright6560]

If a person is direct and proficient in their work, others will consistently vouch for them. I love her transparency!!!

[@Ella-Bella2024]

Thanks for addressing this Dave and George. I know that you can't always get it right when you're answering the questions live. I appreciate the way this response was handled.

[@jose2212-]

I'm 55 and earn about $450k annually, only save 30% in HYSA's. I've been reading a lot of articles mentioning how worthless 'cash savings' are in this current unstable economy, I was advised to invest in stocks, but I heard it's a high risk investment.

[@carolynrose1816]

Honestly leave it in a account that yeilds 5%, or if you can take a bit of risk invest in stocks. better still get in touch with a trusted advisor for financial advise

[@AddilynTuffin]

My dear husband passed away in 2021, and I have around $400K from his life insurance just sitting in a bank account, earning nothing. I was advised to invest it through an advisor, and in just six months, I achieved over 80% capital growth, not including dividends. Highly recommended!

[@NO-TIME170]

pls how can I reach this expert, I need someone to help me manage my portfolio

[@AddilynTuffin]

*Jennifer Leigh Hickman* is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

[@floxydorathy6611]

Thank you for the lead. I searched her site up and filled the form. I hope she gets back to me soon.

[@Judi4Him4Ever]

The worst wasn’t even “get a job”. The worst was blaming her for situation. Shame on you at that age! She was a single mother. She paid for her house. She worked until she was EIGHTY. Inflation is insane and George laid it on her thick. Heartless.

[@amireallythatgrumpy6508]

She was only in that situation because of 6+ decades of stupidity.

[@Judi4Him4Ever]

I hope I don’t experience that level of hardness from others when the consequences of being an imperfect human being catch up to me one day. Does anyone believe in kindness and graciousness anymore?! Give it to get it.

[@amireallythatgrumpy6508]

@@Judi4Him4Ever The last time kindness and graciousness existed in America is ... well, NEVER!

[@Judi4Him4Ever]

@@amireallythatgrumpy6508Thankfully, I’ve experienced it in my life with friends and family. I feel for this woman who got pummeled by George and Jade.

[@amireallythatgrumpy6508]

@@Judi4Him4Ever You expect me to believe that? Nope, you don't even know what it is.

[@autordijanaferkovic]

she should be driving Uber with that Buick, and I hope George will be the first one she picks up 😂😂😂

[@furryplantsandcoins9070]

😂😂😂

[@Bronte55]

Agreed! The rest of us will stay away from an Uber driven by an 86 year old woman.

[@kasession]

🤣

[@beebopasaurus]

An 86 yr old woman that has cancer driving an Uber, in Jacksonville Florida, a city with one of the highest violent crime rates in America. What could go wrong?

[@ayo_k32]

You cannot drive for Uber if your car is more than 10 years old. She has a 17 year old car. And you have to be sharp to be an Uber driver; you can’t be 86 years old and barely able to look over your shoulder. Driving for Uber means you are dealing with all kinds of people including drunk unpredictable people.

[@gunnerarshavin2009]

Great job on Dave giving his take and supporting George at the same time! Everyone makes mistakes or says the wrong thing sometimes. Keep on doing your thing, George!

[@paulahawkins3786]

Dave is exactly right - George was heartless and rude. Dave has been through being scared and broke. Dave is a great listener and good at zeroing in on the caller's problem. Dave has the life experience and the common sense to be of real help to the callers. Dave has been broke and scared. None of the others have had a hard time in life and it shows. Yes, the lady is 86, she worked until she was almost 80, she was responsible and has a paid for home and car, but they did not hear that she is reluctant to ask her daughter and former husband to help her (it's really hard for many seniors to ask for or admit that they need help. It also seemed that she was reluctant to move in with her daughter - perhaps her daughter does not want her). I used to work with a church and a senior from a local senior housing center (2 blocks from the church) came by the office one day - in tears - and told me she hadn't eaten in four days - she was so embarrassed and told me she didn't know where she had gone wrong, as she had been a good mom, saved her money, but illness and medical bills wiped out her savings. She also told me she was a widow and had moved into senior housing when her husband died, and she and her husband had sacrificed to raise four kids and none of them ever came by to see her or call her except on holidays or bothered to check on her. Of course we helped her immediately with meals, groceries and made sure to start a pantry at the senior living center she lived at. The caller said her dog cost her $180. for one month, not every month, as she told Jade when Jade asked if that expense was for every month. Who on earth is so heartless to tell someone to get rid of their pet. Some seniors have no one in their lives, but their pets. Dave gave great advice for the caller to take care of her four walls first, then let the credit card payments go until she can afford to pay them. George and Jade could have 1.) listened better 2.) suggested that the caller seek local help from a local church, a food pantry (some food pantries also help with pet food), local United Way hot lines, etc. 3.) as the folks in the comments suggested she should consider finding a roommate to rent part of her home to. She needs help with information to help her with information on how to lower her expenses, including utilities, phone, medications, vet bills, car repairs, etc. She needs help finding a roommate that is vetted for safety. She needs a mini emergency fund. She needs help with finding out what her home is worth, what are the local available options for senior housing and if they accept pets. Dave needs to have regular reviews of the advice and also it would be great if Ramsey Solutions had financial advisers available who specialize in helping seniors - there is going to be an enormous need in the coming years.

[@sallyprzybil2404]

Pretty much agree. The reality is that many Senior’s, for one reason or another, have little or nothing saved for retirement. More and more of them are going to be reaching out for financial advice. Ramsey Solutions had branded itself as an Icon of financial solutions so its natural to assume that one big place they will be reaching out to for ideas is Ramsey Solutions. Life, financially, after retirement is a different thing than financial life before retirement.

[@sallyprzybil2404]

Although I don’t thing George was heartless, just, probably, frustrated and pressured by the lack of time to think of more answers. The call was at the end of the show and they were trying to wrap things up. Perhaps she should have been referred to one of their many financial advisors that they have on staff for some personal help. I’ve heard them do that with some younger people.

[@paulahawkins3786]

@@sallyprzybil2404 I agree with you - they seemed rushed. Hopefully, Ramsey will come up with better ways to handle these calls. I think the main problem was that they seem to have canned answers - Dave is just better at trouble shooting and giving advice to a caller's specific situation!

[@RainySunday21]

I agree with everything you said in regards to the caller. She needs someone to take her by the hand and not leave her alone in it. I can't begin to imagine how tired she is. Agree also that these situations are going to increase. The world has changed dramatically since they were planning for retirement. It appears that she did most things right with what was known then. That should give us pause for thought hey? She could be a lot of people down the road. Plus, life has twists and turns that can't always be forseen so our first response always should be of kindness and a generosity of spirit. I really hope Dave took the time to call that woman back himself. I hope he has someone on his staff that has the compassion, maturity and understanding of this unique generation that he can set her up with for help. I also hope that Dave puts more focus on the spiritual development of those who will take the reins eventually. It appears to me that these have put a lot more time into financial pursuits than they have into understanding what God has to say about how we are to treat the poor, the needy, widows, orphans etc. It will be an unfortunate regret for them all one day if they don't. I very much appreciate your compassion and understanding of this woman's plight and her generation as a whole. Thank you for sharing. I hope your wise words are heeded.

[@stockmom5508]

I had an elderly friend that owned a three bedroom house and always had one or two of her spare rooms rented out to collage students. She made out with having extra income and people around and they got a great rent price for the area. It was a win win.

[@MeowmyandMe]

Dave can try to play this off like it’s one big joke but the very fact he felt the need to film a video talking about it tells you the criticisms got to him

[@joshatkinson1945]

It’s not that deep

[@franciskeys9810]

@@joshatkinson1945 It is that deep. This was some of the worst financial advice I've ever heard in my life. Everything that came out of George's mouth was not only inhumane, it also would put her in worse positions. The solution here is for George to wake up and realize he's not an expert on everything related to money, and especially not when it comes to poverty. He thinks he did something great by getting a job and paying off $40K in student loans and consumer debt. He didn't. All he did was start to work for the first time in his life. George is not great. George is not even a good guy.

[@shaylinedmond2256]

THIS is leadership! No humiliation, just fun and learning. Thanks Dave for always being such a great example.

[@m_ellemarga8815]

I have neighbors in their 80s, and both work part time at the business they created. Their son runs the business now, but they both put in 25-30 hours in a week. I believe wholeheartedly that is what keeps them going.

[@franciskeys9810]

What a blessing for both of them and their family. This is called argument from anecdote and it's a logical fallacy.

[@racerx6]

My mom is 82 and still substitute teaches at an elementary school. Don't stop when you age, it is what keeps you going!!

[@jshepard152]

That's great if you can do it. Not everyone can.

[@raphfelimax2713]

Money is not meant to control people rather it is meant to be put to work producing more money for you. You cannot build wealth without putting money in its rightful place.

[@BulentKizilaslan]

I'm so happy I made productive decisions about my finances that changed my life forever,hoping to retire next year.. Investment should always be on any creative man's heart for success in life .

[@adamdouglas9888]

You're correct!! I make a lot of money without relying on the government. Investing in stocks and digital currencies is beneficial at this moment.

[@Kristenshwan]

As a beginner, it's essential for you to have a mentor that is verified by finra and SEC to keep you accountable. I'm guided by a widely known financial consultant Stacey Macken

[@Georgina705]

Stacey demonstrates an excellent understanding of market trends, making well informed decisions that leads to consistent profit

[@charles2395]

I remember giving her my first savings $20000 and she opened a brokerage account for me it turned out to be the best thing that ever happened to me.

[@random-nz7dy]

My issue with George on the call was his tone, not content. She did effectively turn away every piece of advice George and Jade offered and excused away all their suggestions. But mainly I felt that George talked to her like she was a younger caller and not how he should have, more gently etc. One thing Dave has always been great at is knowing how to talk to people based on who they are. He knows when to turn on the heat and he knows when to turn on the grace

[@jshepard152]

Heat for men. Grace for women.

[@JeanKLYOW]

@@jshepard152 Not by gender; by situation. If the caller were 30 years old and healthy, that's when you can be more stern. I can't imagine how terrifying it would be to be an 86-year-old with Leukemia, AND have money problems. That's when Dave and George turn on the grace.

[@MG-gm5di]

I know that Dave is a conservative. However, this is where social services should be discussed. Food stamps, supplemental social security. This is what social services are for and that should be discussed.

[@Goat1229]

If anyone deserves social services. It’s the elderly, veterans and the disabled

[@peerguy]

Love George’s ‘inncocent’, “this is how I came up with the idea”. Keep going George. We value your effort and input to help people with their difficult situations

[@whyme7996]

George has worked to be the young relatable dude..unfortunately he's dismissive, robotic, and cringe.

[@gstar876]

That's what a lot of persons were saying. Just forget about the card and enjoy the rest of her life. Let them claim it from her estate after. The truth is as you've said, she doesn't have that much time left.

[@gstar876]

It's not that we hate George.....we just didn't like the advice this time around.

[@Yo_soy_Annna]

We need more Dave reacting to these new Ramsay personalities. Sometimes their advice is out of line, and I am not sure if Dave knows what they say 😂

[@NaNa-lt1po]

They don't use their brains... foe everything they have the baby steps as the answer.. I have a simple thing.. no dave and I'm not watching these goobers

[@TheTntwilliams]

George being heartless to an 86 yr old lady : Dave: “God George”

[@KathleenMcNe]

He wasn't heartless. He gave her multiple suggestions, all of which she rejected.

[@robertowhyte2836]

@@KathleenMcNeyeah like selling her 250k house. After fees and commissions she would have 200k oh yeah, he also told an 86 year old to go back to work.

[@KathleenMcNe]

@robertowhyte2836 She's unwilling to cut any expenses, so she has to increase her income.

[@tshandy1]

You don't see the inside of a casket unless you are working there.

[@adrianr.2603]

😂😂😂😂

[@vickieclark5931]

LOL

[@christie4336]

OMG.... That is funny. Where's the meme?

[@ubwaterman]

hilarious!!!

[@dr.dapperwit9975]

I really dont want to say it, if she has no family help, reverse mortgage or home equity loan. Selling and moving could be hard for her, but an option. Dave is right, just dont pay and be in default. Some options.

[@beaniemac]

Daddy Dave apparently heard the backlash of George suggesting an 86 year old woman to deliver pizzas 😂😂

[@maritzaperdomo344]

There's the heart of Dave, helping with tough LOVE. Dave gives strong guidance with Empathy, with God in his heart and years of experience.

[@jenniferheth8117]

I was one of the trolls piling on George. In George’s defense it is difficult to think on your feet and problem solve a very difficult situation by throwing out different ideas. Some of those ideas will inevitably be bad ones. George is still too young to have various aches and pains in order to understand how ludicrous it is to tell some who is almost 90 to go back to work. Yikes! Renting out spare rooms was what I previously suggested. Traveling nurses and grad students are two great groups to rent to. They often want a furnished room and spend all their time working or studying. I think George learned a good lesson here and I doubt he’ll make that mistake again.

[@BARBARAWILSON-ni5lr]

I also feel it would be great for George and others who take calls is some of people who call in aren’t just bitching and complaining but are living with very challenging chronic illnesses and have frequently worked multiple jobs to pay huge medical bills. Even ordinary millionaires may have financial issues if paying 10,000 a month or more for assisted living/memory care for a spouse. This woman may have worked hard for 60 years . Her cancer may make it difficult to consider suggestions given!

[@donnyj9487]

Love this accountability. We all need a George in our life!

[@countdown2xstacy]

I’m surprised George didn’t say “can you drive for Uber ? Deliver pizza ? Maybe live on rice and beans?”

[@jonathanstraiton4601]

I think it's really cool that they reviewed this. This was a good follow-up. I just hope the lady hears this follow up or they reached out to her.

[@BrianW211]

This is one of the best Dave Ramsey clips ever.

[@rebekahmays6439]

Love this type of segment! Great way to coach the team and pass on the knowledge while also coaching the audience. It's helpful to hear the process of how Dave thinks through the problem and gives advice, so we're more empowered to find solutions ourselves.

[@katyedwards3935]

I agree

[@jadepurdin3183]

I have always had mixed feelings with Dave Ramsey solutions attitudes they give to their followers. But this is one of the times I like his answers.

[@michellebreedlove2711]

LOL, I love that Dave supports his people like that. Yes, make fun, but also defend them.

[@singerjo5791]

She can move into a subsidized apartment. Rent is based on income.

[@Richmind-ir5zi]

It's sad how difficult things have become in the present generation. I was wondering how to utilise some money I had. I used some of it for e-commerce business, but that sank. I'm thinking of how to protect my $300K stock portfolio from decline is my main concern, but I don't really know which way to go.

[@Mitch10bands]

Yeah, things may be hard right now, but I've come to realize both bear and bull market, recessions and economic boom, all provide opportunities to make high gains, I used to call bluff on folks that bragged about making a fortune from such down-markets until I happened to do so myself

[@Marianela-r3v]

I agree. I've been working with a financial advisor since 2020, and I return up to 15k every month, and I don't even have to lift a finger. Although I also think the reason I make this much is because I started with significant capital.

[@TylerofSc004]

That makes a lot of sense. To be on the safer side and not second guess your market decisions, I’d suggest you reach out to a proper investment adviser for guidance, they’re better equipped at understanding market patterns/movements and adjusting portfolio to match up with these market trends

[@Doracox22]

Being heavily liquid, I'd rather not reinvent the wheel. Since this strategy works for you, how can I contact your advisor?

[@TylerofSc004]

"Kristin Amber Landis" is the licensed advisor I use. Just research the name. You’d find necessary details to work with to set up an appointment.

[@GigaChad_169]

Let's do some simple math. Single mother at 19+18 years = 37 years old when the child leaves the nest. Currently 86 years old, stopped working at 80. So 80-37 equals 43 years not saving for retirement if we're being generous assuming its impossible for people to save while raising children. We all know that's not true, but for sake of argument let's be a little ridiculous because the outcome doesn't really change. What happened over the 43 years (37 years old to 80 years old) that she couldn't save money for her future!? It was telling the type of person she was when everything George and Jade suggested was met with an excuse. The people in the comments clutching their pearls over the sob story need to use their brains. Some people end up in situations like the one the woman was in because that was the lifestyle they wanted to live regardless of the consequences. We are going to see A LOT more people like this elderly woman in the future given people's spending habits. The government won't be there to save anyone.

[@costco_pizza]

The truth is you can make $5-10k a MONTH delivering pizzas and mowing lawns. This caller just needs to get out there and go after her goals. She's got this!! 💪

[@ItsmeCR-g8j]

She mentioned she’s had leukemia for a long t8me. Is it possible that much of her income went to medical bills?

[@AT-hs9nf]

Great comment and governments job is not to save anyone. It's your own damn job. Govt. is already helping with giving plenty options to save and invest technically. We are free to save and invest in whatever we want to. This woman did jack shit for multiple years and now she is suffering. Tough luck basically and still want to have stuff which she can't afford like a dog.

[@Blittsplitt5]

​@@costco_pizzawhat the hell

[@whatevergoesforme5129]

Well, at least she is not like those young junkies I see on the streets nowadays or those young adults who do not want to pay their student loans or those seniors who know they can defaut on their loans given their age. All the could have should have is pointless now. And you guys who think that you had it made because you have money think that s...t doesn't happen. My multimillionaire deceased aunt and still living uncle did not think s..t wouldn't happen to them. Good thing their very rich doctor daughter helped them out until the end and is still helping my very sick uncle. Well, they were good parents.