Debt Is Never the Problem, It’s Always the Symptom | December 2, 2024

[@journeymanxth]

caller 1 <a href="#" class="seekto" data-time="130">2:10</a> caller 2 <a href="#" class="seekto" data-time="725">12:05</a> caller 3 <a href="#" class="seekto" data-time="1040">17:20</a> caller 4 <a href="#" class="seekto" data-time="1315">21:55</a> caller 5 <a href="#" class="seekto" data-time="1740">29:00</a> caller 6 <a href="#" class="seekto" data-time="2185">36:25</a> caller 7 <a href="#" class="seekto" data-time="2600">43:20</a> caller 8 <a href="#" class="seekto" data-time="3185">53:05</a> caller 9 <a href="#" class="seekto" data-time="3565">59:25</a> caller 10 <a href="#" class="seekto" data-time="65">1:05</a>:45 caller 11 <a href="#" class="seekto" data-time="78">1:18</a>:55

[@Jleckn031]

You’re a saint, thank you!

[@thedude5040]

My hero

[@MrCapsulaRD]

Not all heroes wear cap

[@mayuchip93]

The real hero of the Ramsey show

[@ELevenhagen]

Thanks. The general propaganda on this show has become nearly unbearable. They get paid to be on KZbin....cut the in house ads etc, just greedy

[@hannaabebe7567]

So much gratitude for MR.Ramsey . Thank you!!

[@myoldvhstapes]

Ann, YOUR LIFE is at stake with an ectopic pregnancy!! Women die from them. Rush to an E.R! It's horrid that your insurance company has been fighting you for weeks on this (weeks, really? Yipes.)

[@josephcampana8102]

@@myoldvhstapes that's what I said! The call seems disingenuous or just misguided.

[@naomiemoore5725]

Insurance Companies are practicing medicine and will deny everything on the first round. Here is what I do. Get a copy of all medical records of your issue. Make and keep a copy for yourself and write a stern letter and send via USPS certified with signature. In the letter give a deadline. Typically give them a week to ten days for a response. Keep a copy of the letter for yourself as well. And see what happens. At this time of year, things go slower, so don't panic. Any conversation you have, follow up with a recap of the exchange. Again keep a copy of anything you send in. If it drags out, go directly to the ER. Don't risk your life for an idiotic insurance company. I have gone so far as to hire an attorney to sort things out. Don't worry about money up front, they get paid a percentage of any settlement you receive. Hope this helps you some. Right now I am going in for heart surgery. Fighting everyday and I am not supposed to have any stress. Go figure.

[@peace-a]

I'm surprised she's ok right now because aren't those extremely painful?

[@alleykeosheyan4779]

@@peace-a A friend of mine had one and she was lucky to survive it. I can't fathom why this young woman's insurance company is hemming and hawing over covering this life-or-death matter!

[@haloimplant7678]

Med school is an area where the no debt ideology departs from reality. We'd have very few doctors coming out of med schools in their 50s if they saved cash for it. Earning that money at a much lower salary before med school makes no sense

[@bluedevil0111]

Never is the opportunity cost of delaying an M.D. salary discussed. People would lose out on millions of dollars if they saved up for years to pay cash for medical school tuition. In order to never break the no student loans rule of Ramsey they give bad financial advice to their potential medical student listeners.

[@AndreaAllen-v6y]

A tubal pregnancy is a medical emergency. I would not wait for insurance to have an ultrasound to determine where the embryo has implanted.

[@bettedavis9261]

My MIL almost died from one.

[@alleykeosheyan4779]

@@bettedavis9261 A friend of mine almost died from one as well. I am appalled that this young woman's insurance company is hemming and hawing for one second over a potential life-or-death matter! Shame on them!

[@josephcampana8102]

An ectopic pregnancy is a medical emergency. This caller is a little too giggly for having a condition that can cause you to bleed out suddenly. You can go into any ER and they will work you up quickly for this concern.

[@sgc1401]

Not in some states

[@josephcampana8102]

@sgc1401 I'm calling false on that claim. I'm very familiar with emergency medicine. Save the political conjecture for another post

[@Zee-zj2uh]

What does her ob-gyn say about letting this emergency go without attention?

[@BrianaBudgets]

<a href="#" class="seekto" data-time="791">13:11</a> I moved into my first house in July of this year and I’ve already had a washing machine and an oven go out😆

[@bettedavis9261]

That's just the tip of the iceberg.

[@Zee-zj2uh]

In 1992, my newly constructed house got pelted by hail and the roof had to be replaced! Thankfully insurance covered it. 2 years later, the A/C had to be replaced! Insurance didn't cover it.

[@kimlee9412]

"I can't mow a lawn to save my life, but I know a CPT Code" lol George, you're a hoot! Love it! :)

[@pandafox12]

There's a wide range of scenarios, but the right loan for the right person to go to the right med school is likely a better risk adjusted return than getting a mortgage.

[@peace-a]

<a href="#" class="seekto" data-time="2804">46:44</a> thank you so much, George!! I had no idea this existed 👏🏼👏🏼👏🏼

[@ZanderCruz-fd1vw]

I’m thinking about starting my investment journey, but I feel a bit overwhelmed and uncertain. Do you have any tips or suggestions on who l could reach out to for guidance?

[@Waltere66892]

My advice to everyone is that saving is great but investment is the key to be successful imagine investing $15,000 and received $472,700.

[@Winharris46221]

Getting advice from an expert when building an investment portfolio is a wise choice , as the process can be quite complex

[@Danneel56283]

Making touch with financial advisors like Elizabeth Regina Nelson who can assist you restructure your portfolio, would be a very creative option. Personal financial management will be crucial to navigating the next difficult times

[@Oscar58266]

Life is easier when the cash keeps popping in, thanks to Elizabeth Regina Nelsen's services. Glad she's getting the recognition she deserves

[@Perryjack487]

Unfortunately, not all of us were financially literate early. I was 35 when I finally educated myself and started taking steps. I went from $176,000 in debt with zero savings or retirement to now, 2 years later, fully debt-free and over $1000,000 net worth. I know that doesn't SOUND like a lot, but I'm incredibly proud of it. Now I'm fast-tracking my wealth building (investing $400,000 annually) and don't owe a dime to anyone. It's a good feeling!

[@50nick83]

That intro song is nostalgic to me

[@oldmantod]

Baker Street yeah?

[@alleykeosheyan4779]

@@oldmantod Yeah!

[@TulsaDude]

The nerdy duo, love it

[@bettedavis9261]

<a href="#" class="seekto" data-time="2621">43:41</a> apparently, Ann in Phoenix hasn't done a cursory Google search about ectopic pregnancies, nor asked her doctor for details, but her life could be in danger! She's flirting with disaster waiting for insurance. Go to the ER and have this looked at. Mt MIL nearly died from an ectopic pregnancy. She doesn't appear to be taking this very seriously.

[@michelleh9794]

1st caller, people forget to calculate the value of having a pension plan. They need to over more than $2000 more. There is a way to calculate that.

[@kathleenhillier6765]

@<a href="#" class="seekto" data-time="76">1:16</a>:34 shots fired. 😂

[@lpabf]

Something odd about the ectopic pregnancy call...if her husband is military, they have Tricare, so I don't know what in the world they're "fighting insurance" about. Tricare is about one of the best medical insurances ever. She needs to contact her PCM or her OBGYN and go from there. There seems to be some holes in her call.

[@chrisg723]

Covid lockdown was an awesome vacay!!😂

[@CormacADoyle]

ony way for income tax to go away is for property tax to go UP. Income tax was explicitly introduced to HELP the richer people like Dave. PLEASE get rid of income tax, and move it all onto property ... and hear dave scream :D :D :D :D

[@CormacADoyle]

*only ... .just incase anyone misunderstood

[@moni-b1t4u]

​@@CormacADoyleexcept for the fact they said Tennessee hasn't any income tax,and he's on his fourth,at least, newly built house. So it's not bothering him.

[@amireallythatgrumpy6508]

@@moni-b1t4u Plus his hundreds of rental properties

[@billbill5900]

He says hi gordon..I mean dave 😂

[@alwayswinning3743]

I like daylight savings here In Aus, but no more as I can't listen to this live In the car park at work in the morning :( "The Eat Rice And Beans Show And Deliver Pizza Show"

[@WhiteRiceCycling]

Im 37 and i just open a 457b roth this yr. Hopefully its not too late for me to be a millionaire.😂 $378 for 15% bi weekly and planning on making it 16% starting January 2025..

[@leticiavillarreal3689]

Zander insurance denied me because skin cancer was discovered on my arm. Since then I had the melanoma removed. Zander said maybe after a year of the procedure being done I could reapply. I’ve given up on term life insurance.

[@thedude5040]

This is why you have to get a policy early

[@TheJghan]

Insurance companies will only take your money if they don't have to pay you anything. It's completely one sided and wrong.

[@Zee-zj2uh]

Any Ramsey Show without Dr. John is a good show!

[@edwardhale2412]

Enjoy all the hosts with the exception of Rachel and her whiny voice. When she is one I don’t listen.

[@BryanFrady]

Common sense goes along ways

[@JockEwing-qi7ih]

Dave still avoiding Bitcoin questions

[@thedude5040]

Because it's dumb. There is not enough bit coins to replace the dollar. You need something divisible into 100 trillion parts to replace the dollar. Google the maximum amount of bit coins that can ever exist. Bit coin is permanently flawed.

[@amireallythatgrumpy6508]

Nobody's asking them.

[@michaelanthonyXIII]

Stop the political posturing no one's leaving and for the people who do move like ppl do, there are other people moving into those houses. You're regurgitating everything Trump has said. The election is over

[@amireallythatgrumpy6508]

Most of those people who move into those houses are not in the US legally.

[@YouMissedBro]

Cry more, lib!

[@YouMissedBro]

You hate facts and data? Typical for the left

[@Rick-of6gx]

MAGA Michael, just accept it😁

[@Zee-zj2uh]

BTW, Brandon is renting out rooms in his tax payer funded Delaware beach mansion. Illegals need not apply.

[@brianah1092]

Trumps bill to increase income tax in 2025 is unfortunately something we can't afford to run from. Thank goodness we did not have another child.

[@YOUSTILLDOTHAT]

AVP 👽 Help them get over being not enable/ / so no questions for the interaganets"?/!...well think of some /.no , you're going to have to work so much harder /.... You got 6jobs... / It's not a big deal /.but ,if you don't work / ?who will?

[@YouMissedBro]

Wow you make $100k, yet being unmarried and childless you're actually poor. YOU GO GIRL BOSS

[@Chessdude4]

Wow you went in

[@margarettebeauchamp8604]

Trumpers