Desperation Leads to Stupidity Which Leads to Being Broke!

[@bethanydavis4942]

I watch this literally everyday to keep me motivated in the baby steps

[@budgetlivesave]

Me too 😅😅

[@topsykretts2264]

Same!

[@fearlessfly100]

Same here.....😁

[@djjackson6286]

Me too

[@rcolorado2364]

Same. I use their stories to maximize my motivation, like a personal trainer for my money and budget.

[@randallhoover210]

Eight years ago I was 80K in debt and no assets. Today, all debt paid. Full emergency fund. Large built up of cash and a house with extra payments plus better health and a better job. I would not be here if I did not follow the program. What pushed me was meeting David in person at book signing back then. Dave's' team teaches and motivates despite to pull forward. As a big spender, this program works and cost really nothing. I never thought I would ever be out of debt. Thank you Dave Ramsey.

[@tamarawhite7146]

Good for you!

[@evahernandez3727]

I work from home… Dave and his team are literally my coworkers. Great job guys! Working on baby steps myself.

[@Nigriff]

Gotta laugh when Dave calls a grown man "Honey" 🤣 😂 😭 😆

[@billscruggs5170]

😮

[@billscruggs5170]

Talk about weird

[@MollyMA13]

That poor guy needed a little calm for his poor fried nerves

[@JP-ll8iy]

Christy & Jerry are a team. They epitomize what “we” can accomplish. Gives me hope!

[@nelliedean7088]

I am British and although most of these finance definitions don’t apply to me here, it is my go to place for inspiration and motivation.

[@murpheus1107]

Me too, lovin’ the Ramsey Show from the U of K!

[@amaririch3509]

Loving it from Canada 🇨🇦!!!

[@tessa1158]

We went on a vacation to Mexico and my husband borrowed money for it. I told him if we are borrowing money for vacation then we should not be going on vacation.

[@JP-ll8iy]

I love Jade’s laugh!! Jade and Dave, my favorite Duo! 🥰

[@billscruggs5170]

Her Laugh keeps me coming back

[@spdog3344]

Real estate, Airbnb, duplexes are all soo glamorized on social media, they don’t talk about any of the negatives and it really isn’t easy

[@bjornironsides6474]

social media is a disease.

[@erikrohr4396]

The hardest part is coming up with the down payments. My wife and I have a little Airbnb house that we maintain and it's a lot of work but very enjoyable.

[@Pandorash8]

@@erikrohr4396 good point. I think if people are smart about how they go about the AirBnB business, it can be lucrative and enjoyable. But it’s better suited to those who have a heart for it. Kind of like running an actual BnB. Going into massive debt, or thinking it’s going to be totally passive, or choosing an AirBnB that primarily caters to high turnover student accommodation or such, run away lol.

[@juditharsenault2131]

@@Pandorash8 I had a couple ask me to clean their AirB&B. I had had bed bugs 5 years ago and looked up AirB&B's and bed bugs. It says it's not if you get them but when you get them. Most AirB&B's end up with bed bugs. I said no because I didn't want to bring them home.

[@jamesmaduabuchi6100]

There might be an economical turmoil but there is no doubt that this is still the best time to invest.

[@dorissteve912]

Best time to invest? thats funny though because in the last four months I have lost more than $47,900 in stock market which is the biggest I have loss since I ventured into stock investment.

[@jamesmaduabuchi6100]

you could be right or wrong . i once had similar problem but now its a different ball game for me because I was lucky to have met KATRINA VANRENSUM , a financial manager and stock expert, I have made more than $165,000 in 6 weeks under her supervisions

[@jamesmaduabuchi6100]

Search her name on the web you will see all you need to know about her.

[@tubenachos]

​@dorissteve912 did you actually sell your stocks??

[@ts-luv]

I’ve been against school loan forgiveness but couldn’t adequately express why without sounding harsh. This episode put words to what I’m feeling. I love love love your show! Im on baby steps 4,5,6. I got a late start at age 53 but there’s still hope.

[@MsValiG]

I'm 55 and afraid

[@kel-kel1723]

I’m 57, terrified

[@kristiking10]

I've listened to Dave off and on for 25 years .... I knew in my heart he is my kind of guy when he used the word buhankus 😅

[@GwenMotoGirl]

Kelly and David. What a lovely couple! Congrats to them.

[@juditharsenault2131]

Dave's right about Air B&B's. They're hard to run due to the constant cleaning. Our town is starting to consider requiring a permit and pay fees (taxes) on it. Plus you will wind up with bed bugs. Air B&Bs website says it's not if you get bed bugs but when you get them. !!!!!! I had bed bugs in my house 4 years ago. I wouldn't wish them on my worst enemy!!!

[@marysaltlife1427]

Dave is awesome and Jade is right in there! You GO, Jade! Love your views and advice! May GOD continue to bless you both.

[@alondralopez8934]

I can’t stop laughing about Dave calling TikTok “tic tac” 😂

[@gracecase998]

I love the debt free stories and screams. It always makes me cry for them.

[@esanford]

Absolutely.... and I'm a guy. I'll be listening driving down the road with eyes full of tears...

[@NopeVS]

1:47:00 what a beautiful family and story. Good job. 👏🏽

[@budgetlivesave]

🙌🙌 DAVE RAMSEY IS THE WAY 💪💪💪

[@rhondaonken7631]

No, Jesus is The Way! The whole Ramsey show is built on what Dave learned from the Bible, and he'll be the first to tell you that.😀

[@rhondaonken7631]

No, Jesus is the Way. The whole Ramsey show is based on what the Bible says. And he'll be the first to tell you that.😀

[@wittleMermaid13]

Good job, Jade! On first caller, she pointed out that brokerage account could cover the gap if he retires early.

[@jal8631]

That’s my plan!

[@KathyKerr5352]

I do wonder if the caller who received $9,000 for the totaled car might have been able to negotiate more. For each of our totaled cars, my husband negotiated over 50% over the initial offer from the insurance company.. He would pull comps (significantly higher than the comps from insurance company), identify the extras (new tires, entertainment center) that weren't on the comps and would keep saying that we weren't going to sell the car - we need enough to replace the ones that were totaled in the CURRENT market. Some comps were 9 months old and from cars that weren't even on the market

[@rothbj1]

The initial offer is just that, and offer. You have to do you homework.

[@ryancaldwell9463]

That mortgage in a trust call sounds crazy. I agree with Dave, don’t pay them another $100k. Is whatever he wants to finance worth an extra $100k so you don’t have to explain it? If there’s no problems currently, and they’re paying the payments, I’d almost let it run.

[@hakara32wirihana]

So true. Still recovering from my stupid weekend but I won't be doing that again.

[@MidnightSunshine27]

I HAD an aibnb in another country 🤣 let's say I found out pretty fast it was a STUPID idea 🤦‍♂️🤦‍♂️🤦‍♂️🤦‍♂️

[@Nkdbattlerap]

😩😩😩

[@brendapeter7872]

Just to say in UK hmrc are going after Airbnb renters.

[@toussainttatem8760]

I live in the caribbean and not fameliar with lots of the american finincial system but i love your show.

[@chanelchauvet-maldonado9413]

I need to see Jade in the KZbin video thumbnails, so I know to watch. She’s great!

[@joebeta1837]

Most these callers don't have real problems. Wait, you and you're wife, for example, earn $250K, your house is paid off, you've got no debt...and your question is should you sell your Florida beach house??? Or, you have no debt, you've paid off your house, you've got 1 million in 401K savings....and you're asking Dave how you would save college money for your 3 year old grandchild??? Those are not real world questions to ask Dave!

[@sweetfayce18]

I also max out my ROTH every single year .I also use a Brokerage account for the extra funds. I just use the contribution to buy more Mutual Funds and ETF’s.

[@dianem4188]

I came to look for comments about the baseball field in the backyard. WOW!! That is unbelievable. 😮

[@brookelondon8029]

That's one of the few times that Dave was speechless, lol. I just heard the show today and my mouth dropped open and I didn't hear anything on the radio but dead silence.

[@andeebee2530]

“Tic Tac” 😁

[@jillc1369]

Awesome show Dave and Jade!! Thank you.

[@kerryberi6058]

I watch Ramsey daily

[@amazinggrace8136]

“Thats sweet, he still believe they’re going to do it” lol. Next time you think about loaning out money, remember there are people like this who don’t want pay back what they borrowed..

[@BallumBalum]

Good god! $863,288 in 36 months???? Way to freaking go!

[@akamarista]

Great show!!! But it is taking me a minute to get use to the advertising.😅😅😅 listen to you guys everyday. ❤❤❤❤

[@Nigriff]

God Bless You All

[@IndigoStarrAz]

They could change the oil on their Harley in the AirBnB living room! 😛😛😛

[@thenightshowCanada]

1:22:15 It's not thievery if you get back more than what you paid into it. You've got to be careful how you phrase some of your statements, Jade. Worst worst-case scenario with a whole life policy is that it becomes a forced savings

[@strqueen123]

Why do some people get less than they put in?

[@allthingsjonda5760]

I love this show. ❤❤❤❤❤

[@juditharsenault2131]

I need a new catalytic converter on my Toyota Matrix. I don't have enough cash in my emergency fund to get it done so I thought I'd get a credit card. I checked out the 0% interest bank credit card. (I have no debt except a manageable mortgage). The catch is it's only 0% interest if you pay it off at the end of the month. How is that a deal? I thought of Proverbs that the borrower is servant to the lender. I also thought of Dave Ramsey. My car is drivable and I am retired. I had no peace about the credit card. I decided to save the money instead. I have peace about that. I am only driving my car to town a few times a week which is 10 miles round trip. Glad I didn't get that credit card!

[@valerianchannelish]

love your show ⭐️⭐️⭐️⭐️⭐️

[@sue1703]

I think Dave is the only one who can answer these difficult financial situations that sound very 'weird'. I always learn something new from Dave. Thank u, Dave!

[@davidjiannotti1537]

We can recover and lead great productive lives!

[@tubenachos]

Legends say Chris still has a question 😂

[@BESTWASH-i3n]

It’s him calling Tik Tok, Tik TAC 😂😂

[@myrmidon775]

LOL “pregnant roller skate” I am so stealing that

[@dianem4188]

Addison is very very cute! Great job getting debt free Kelly and David!

[@av-lz5db]

So much benefit by being a Ramsey viewer.

[@nathanielmercer]

What happened to the old opening from Dave?

[@kristidavidson8945]

Jade I hear a lot about generational wealth and privilege being a big part of the poverty divide between whites and non whites. I absolutely have received lots of advantages and privileges in my own life and want to be sensitive to the experiences of others but refuse to assume that people don’t have choices. I would love to hear your take on this issue as a person of color. What do you suggest are the talking points on this subject IF the appropriate moment arises and what to speak 🗣️ not my children. Thank you.

[@tbjr1127]

I’m a 34 yr old MBA but I’m not a fresh batch

[@FitforFiftyish]

Every time Uncle Dave says “what the FLIP…” i pause hoping he doesn’t slip up and say the other 4 letter word 😬. On the other hand I don’t think he uses that word so my guess is he won’t slip? 🤞🏾🤞🏾

[@tsaunders4684]

He doesn't really want to sell it. I can tell by the way he kept laughing

[@Dedi-c8b]

Very good tips on handing a trust with addicts, thx👍

[@BenFitzpatrick-v6e]

Fan of the show, but the inclusion of adds are not a great addition. If they are needed perhaps reducing the number of them.

[@timknin]

Are you kidding!! How do you think they make money??

[@MegaLiggie]

I love the new music

[@beckymigdal3140]

I would never sell the lake house.

[@frederickruderman2997]

They don’t use it, so let them sell it. Why do you care ?

[@bluebelle9572]

Lake houses are not for everyone.

[@topsykretts2264]

Poor Arnold 😅

[@gabrieldelt65]

The way Dave replied had me weak 😂

[@kaisersouze41]

Income approaching $300K but funding a Roth? How does he get passed the Roth income limit? Back door Roth?

[@kristentrohkimoinen]

He isn't. He called to ask what to do with the remaining after maxing out the roths... you must not be listening

[@aidamartinez2445]

450 a month in a year equals 4,500 in 1 year If you put that in a safe high yield CD FOR 3 years you will have 5700 when it matures Or if you put 500 in a retirement IRA monthly for 30 years 400 k or more

[@jp15001]

Dave needs a tic tac after that rant

[@dreamingofskyrim]

"100% of addicts have money problems" now that's definitely a false statement lol

[@WarhammerElite]

4:24 yikes 😬

[@fornos123]

I like he introduction song

[@tylerbanks4]

its unclear to me if this only applies to federal/fannie mae loans or to private bank mortgages as well. anyone know about that? if well qualified buyers can use private mortgages to bypass this its not the end of the world but many qualified first time FHA buyers would still be affected negatively

[@whatwasmommythinking8257]

I laughed so hard I couldn’t breathe! Hug sweet Max for ne

[@MollyMA13]

Dave interrupting that woman was heartbreaking. She was trying to tell her story and he wouldn’t let her. I’ve heard some of these debt-free scream families go on and on.. but he wouldn’t let her, the catalyst of their story, tell her piece. :/

[@chuckgamble5696]

Yeah I noticed that too. Sounded like she really had a good one to tell. I got the feeling he didn't like the way they paid off their debt (selling homes, equipment etc).

[@Liimpy]

Dave must live in a different world saying the used car market isnt crazy

[@mguel9989]

Pay cash for the rental property? The majority of people wouldn't be able to ever do that. Also many get into rental properties and do well with little money down; Provides cash flow every month and if things do go south you could always sell it. I really don't see the downside outside of obvious management of the units. - Devils advocate

[@Mr.LetMeCook]

It’s crazy that this is the one show people see and don’t listen and keep going broke and broke in them they get setup to fail everyday if they don’t listen stop the madness people see it and don’t do anything

[@striperkid]

You take out the loan, you pay it back......very simple.

[@janisegott5185]

Dave's AirBnB story really took a turn off the rails real quick.

[@kratostomatoes8587]

Bare minimum Monday LETS GOOOOOOO

[@Z64dollarsign8]

The more i listen to dave the more i hear references to earl nightingale

[@gauravipal9518]

He shoukd not open a brokerage account with so ન e Smartvestor broker. He shoukd open it with Vanguard or Fidelity and put it in an index fund linked to S%P 500 and Russell 2000.

[@Windarti30]

"I can't believe how much our lives have changed since meeting Rodger Michael Karl. He's helped us become debt-free and save for retirement." I made over 220K during this dip, which made it clear there's more to the market than we average joes know. Having an investment adviser is currently the best course of action, especially for those who are close to retirement ...

[@AnnaFed015]

Thank you so much for the advice. Your coach was simple to discover online. I did my research on him before I scheduled our phone call. He appears knowledgeable based on his online resume.

[@marcw9578]

Ù

[@bettedavis9261]

I wish they could have held Laurie from Los Angeles over the break. She got shortchanged with her answer. Dave even said they didn't get all the details because they were short on time.

[@amireallythatgrumpy6508]

Could you please post the timestamp of her call?

[@therealboris2020]

1:16:00

[@amireallythatgrumpy6508]

@@therealboris2020 So it would have been split over two separate hours. Would have been the long break with the hourly news bulletin on the radio. Not really feasable for broadcast purposes as some radio stations split the show into one hour shows. Other radio stations only take the first two hours.

[@bjornironsides6474]

$28,000 for a van with 82k on it? lol no. More like 16k...it's a freakin' van.

[@lucybell1487]

More margin in the budget with money when no more mortgage payments

[@inawilliams18]

In Computer science, you need the degree or employers won't look at your resume. None of them certificates will work

[@restingsmirkface]

Yeah, I'd hope a 4yr degree is required for any *real* CS job... otherwise those of use with CS degrees are carrying everyone else along. CS is one of those things you can't learn (well) in 3-6 months -- especially if you're working a day-job at the same time. If the job is a "low code" or "no code" job, maybe a cert could work. I do a lot of technical interviews, and you can tell who is BSing and who knows their stuff in the first 5 minutes or less.

[@moonmonk6418]

Hummm... These episodes used to be ad-free, which was great. Why is YT now flooding these episodes with ads?

[@dianem4188]

It's ad free if you are on a laptop, not a mobile device. I think, I'm no expert. 👍

[@brookelondon8029]

I only listen on my iPhone when I'm driving. I Google Dave Ramsey Archives KZbin and the only commercials I hear are for CHM Ministries and a little commercial for the email question of the day. It's one days worth with three shows in a row. I have heard people complain about hearing commercials that are against Dave's principles, but I've never even heard one. It's just CHM ministries. And I'm not listening to the live shows,. Like on Monday I'll listen to last Friday show and on Tuesday's I listen to Monday's etc. Today I listened to one that I had missed from a couple of months ago.

[@tawanawilliams9618]

Hey Dave been trying to reach you by phone never can so I been looking for a way to email you

[@thekmtcpro]

Dave can be harsh at times. Sheesh. 😅

[@MegaLiggie]

also like cooler staff

[@celestegranell8766]

Same

[@amireallythatgrumpy6508]

1:24:35 January is TWO months ago Jade!

[@MaMa-jh6bb]

I dislike the ads…

[@timknin]

🙄

[@ryanjackson4597]

Jade never follows the Ramsey way. Can’t see her lasting long.

[@johno2277]

Admit you're wrong, please. CNBC: Home sales spike 14.5% in February as the median price drops for the first time in over a decade.

[@chuckstemm443]

I like Jade but where’s Ellis? 🤔

[@virallifehacks534]

Max out an hsa

[@stacyahl]

Love Jade, I would listen to her without Dave!

[@AlexShantyOldLawModel]

I’m looking forward to millions of jobs in April 2024 when arbiter interdiction traditional family lawyers install a forgery proof interdiction trust permission validation ledger. Total financial security system backing NICER, Government, and global traditional family lawyer’s documents.

[@malknowsitall]

😊

[@tlee7080]

I have watched/listened faithfully for years. I have a hard time watching w Jade as a host as she constantly shakes her head and says yep, yeah, uh huh, mmm hmm, that's right, etc to Dave's every sentence! Otherwise I like her, but just have a hard time listening and usually put on closed caption bc of this.

[@thirdintegra]

Everytime Jade is on somebody has to say something. I guess today is your day. Do you feel special?

[@mmp495]

Jades great! Everybody agree! Knod your heads...😄

[@185chargers]

I think Jade bring great energy to the show. She seem like a delightful person.

[@notgivingmyemail3381]

@@thirdintegrawhy is your opinion any more valid than theirs? I always find it amazing when people put down others (“do you feel special?”) when they express a viewpoint different than their own.

[@markb4261]

Please be warned of some modern bibles. Compare KJB Revelation 13:1 And I (John) stood on the sand of the sea. Some of the modern bibles change.... John to dragon.

[@bevd.7024]

Can you please clean up your vocabulary Dave? I have heard you say “friggin” “Oh God” and “Jesus” instead of a swear word, I know you are smart enough to stop that. Love your show. “

[@Letitflow1-1-1-1]

Sorry Dave. Selling the paid off lake house that's netting 2k/mo rental income is not an intelligent move. Just use that extra 2k/mo to accelerate the payoff on the primary residence. Look long term Dave

[@michaelboyce3871]

That guys is the voice of fix it filled from wreck it Ralph