Don’t Be Middle Class Fancy (aka Broke) | February 5, 2024

[@nicoleblake9266]

Im 51 and i just started contributing. Its a 10% mandatory contribution. Im on baby step 2, and although I know im going to be working for 20 more years and I might not reach as high as I would've, I'm going to keep on moving forward and go as far as I can!

[@aeconiglio]

I'm 40 and in the same boat. Never too late though!!

[@nicoleblake9266]

@@aeconiglio u can do it!!!! I believe in u! 😁💖

[@suec.6754]

Elizabeth sounded like she wasn’t getting the answer she wanted and wasn’t open to a reality check and advice. There are many grandparents that have a heart of gold and want to help their grandkids, but she doesn’t sound like she has even considered saying no to help THEM. Maybe they’ve got the money and means, but unless they’re multi millionaires I would never in my life let my grandparents carry me like this. Guarantee she still does it and gets the house.

[@Liftheavyprayhard]

Jade and George have got to be my fave combo… but George works well with everyone tho. When he’s with Rachel and Dr D he’s the hard one but when he’s with jade or Ken he’s the nicer one. He’s the all around player 😂

[@BeeDee-qs9so]

Absolutely agree.😊

[@AIrn6087]

Ya George is the one person I’m hoping is on every show because he balances out the other person

[@lynn.paul.pierre.kdxprod.]

Yep George holds down every show 💯and Jade is my #2

[@user-zy9yg2eu5t]

I would love to see Jade ane Rachel kiss

[@Liftheavyprayhard]

@@user-zy9yg2eu5t why bruh? Just why?…

[@arbella89]

Hypaecia, you are an amazing mother. I felt your tears to my core. "She watches over the affairs of her household and does not eat the bread of idleness. Her children arise and call her blessed; her husband also, and he praises her: 'Many women do noble things, but you surpass them all.'" -Proverbs 31:27-29 You are virtuous woman!

[@artisticallytori5365]

Elizabeth wanting to ask her grandparents for a HOUSE after everything they have done for is next level entitlement omg. She’s already wayyyyy ahead of everyone in her class graduating debt free. She should focus on her savings while in school and then start job hunting like a normal young adult instead of worrying about a house

[@carapapenfuss2663]

She doesn’t even know where she’ll live after …

[@ShareHeart1218]

“I got the opportunity for someone else to pay for my life” 😂 there’s something you don’t hear everyday

[@Ubermcduber]

I have 6 hours of emergency fund's saved up .😊

[@dianem4188]

🤣

[@mattisensquaregarten7335]

NO FR 😂

[@MaineMotovation]

😂😂😂

[@Mskyraelise]

I don't even blame Lucas😂😂 until I saw my mom buy a 30k car in cash last year I didn't think that was a thing. Majority of the people around us are doing payments and leasing so it seems like that's the only way. Financial literacy needs to be taught more. I'm so happy im learning for my daughter.

[@MrsKellyintheMiddle]

"Be a crockpot in a world full of microwaves" I'm gunna need that on a shirt or something! But not until I'm living debt free!

[@savanah1407]

Yesssss! 👏 👏 👏 👏

[@flashthecorgi2053]

Gosh I wish Elizabeth the best but man she is SO entitled. Gotta tone down the princess syndrome! Props to both Jade and George for setting her straight!

[@JusCallMeAnt]

George you are by far my favorite personality. Thank you for bringing your energetic energy and positive outlook to every situation. You are an inspiration for many. Thank you Ramsey team for everything you do for the community. 😄

[@dianem4188]

Yes, well said 💜💜

[@nekojamesp]

His social security advice was terrible in this episode.

[@aubreyboxx7260]

I like George! He is like an off brand that you try once and realize it’s better than the on brand😂

[@bettedavis9261]

On the extremely rare occasion when I do go to a restaurant (maybe twice a year), I either get an appetizer, which will give me enough for the next day's lunch; or I order ala carte, say, one taco. I always get water. I'm a very small person, so I don't eat much. To help my server out, my minimum tip is $5, up to 100% of my bill, depending on how little my order is. I'm BS7, btw. Never stop saving money.

[@GwenMotoGirl]

Your tipping. ❤❤❤ I do this, too.

[@coricross682]

When I got in my wreck a year & a half ago, insurance gave me about 11K for my 2012 Fusion. I paid off that car in 2018. With the insurance money, I paid cash for my car. I got an $8K Fusion (same color but an upgraded edition) - was near $10K with the tax, title, & license. Still dreaming about the car I want for when I can upgrade to it.

[@pip2385]

Hypaecia and Tony are a beautiful couple and what a beautiful family! You can tell how strong their relationship is, very humble, a committed, loving team. What an example for your children. Congratulations!

[@malobeastt]

I can’t believe the entitlement and the order that Elizabeth shared with Jade and George! You’re getting college and your living expenses paid for, and you want to ask your grandparent: “ 💅 buy me a house, I will live in it and you pay for it, and when I’m ready, I’ll buy it from you 💅” The audacity! You ought to be ashamed of yourself.

[@Davefitz04]

Whoever raised her did a bang up job. Ridiculous. Spoiled. I hate parents who spoil their kids.

[@ThePolypam]

This has to be one of the most outrageous calls I've heard. She's simply despicable. She is banking on an early inheritance, is what she wants. I hope her grandparents watch this and understand what lack of moral fiber they're fostering.

[@Davefitz04]

Also no shot she makes 65k right out of college as an interior designer.

[@chief5981]

@@Davefitz04 spoil your kids and you’ll end up raising your grandkids. If you raise your kids, you get to spoil your grandkids 😉

[@brucefredrickson9677]

She makes a valid point but it only comes from her perspective...not her family member that has to fund this venture.

[@purainteligencia]

George: Go Fund Yourself... 😂😂😂😂 I think that went over a lot of ppl head. I thought he was going to say Go F Yourself! 😅😅😅

[@TheOtto0012]

Haha I didn’t even consider that! It is also a jab at the GoFundMe craze.

[@lesleyellis7649]

Board of Health does not allow anything served to a table to be reused or served to another table.

[@Nigriff]

Elizabeth, the college student from Atlanta, is the epitome of entitlement.

[@blackwomenbuildwealth]

Agree. I feel like it's the result of this society putting so much pressure on people to get into homeownership as if it's the all and be all. It's unfortunate.

[@alberttang6955]

The caller Elizabeth thinking she can earn 80K as a newly graduated entry level hire at any Interiors firm is pure fantasy. Someone fresh out of Interior Design school will commonly be hired as a lowly Intern charged with very basic tasks to assist the more senior designer staff. If she moves to a state where Interior Designer is a licensed professional, she will have to start a formal Internship and work a few years before she can take the qualifying examination that allows her to use the title "Interior Designer". She will likely be earning a starting salary anywhere between 35K - 55K at an Interior Design firm. Maybe a bit more in cities where the cost of living is high.

[@sarahjoyabejar1748]

I have been listening for three years now and my husband says he's proud of me for trying to learn finances but he's tired of listening to the show😂 im not stopping😏

[@deborahcaldwell9775]

So there! I just passed this onto my son-in-law, but he won’t listen but I did it. I did the best I could and I can say that you’re doing more than the best you can you’re doing it.

[@reneespring834]

George is probably my favorite personality too! But I have to call him out on one topic in today’s show. He was talking about taking social security right at 62 and investing the amount for compound interest. I thought that once you took ss, you are limited on how much you can work and earn. My reading is that there is a $17,000 annual cap. This is why many people postpone taking ss until 65 or 70, because they are higher wage earners and make way more than $17,000 plus the ss check. So George, unless the person is semi-retired and can live mostly off their investments, your plan might not work. Most of us need the ss check, some work, and some investment income to maintain lifestyle. I had a big issue with Jade and Rachel giving out blatantly incorrect info about financing long term care last week. And feel also that this advice today is not fully incorrect, but missing a very important caveat. The personalities are great on budgeting, baby steps, etc. But really need to be careful to not put out false info to millions of viewers.

[@nekojamesp]

George and Jade were wrong on several points. Once you reach full retirement age, you can earn as much as you want and not have SS penalized. BUT it's going to be taxed at a higher rate since you're adding to your income, cutting into any potential gain from investing it in stocks. Taking SS at 62 while still working makes no sense. And that's just one factual error - another is that you only get back what you pay into SS. Not true.

[@GWozzie3]

This couple's story got me so emotional. What am amazing journey 💖 All the blessings to them. Gx

[@crystalcurrie90]

Loved the "Tacky" or "Hacky" segment in this video. Very insightful!

[@Trustbutverify2651]

Liked the segment on Hacky vs Tacky.😀 If you split an entree, however, be generous with the tip. For the two of us, getting one take out entree and splitting it at home (with no bother cooking or clean up) can be just about as cheap as cooking because we are Seniors with smaller appetites and we can usually split one entree and even have some left for a light lunch the next day. But personally we don't split entrees if we go out to a restaurant because we don't want to short the server from what could have been a larger tip while taking up just as much of his or her time and effort. I have often told others trying to get out of debt to order an appetizer and ice water - they can still be with their friends for a lot less money. (They're usually the ones who are thinner, too...) Absolutely NO splitting checks!!! Usually the people who propose this are the ones who are benefitting. Treating another couple is a different matter - that's a gift. True story: I had a teacher in my department who moved to Florida with her husband and they were back within a year. She couldn't find a teaching job and so she worked as a server in a restaurant. She said the Senior citizens would come in, split an entree, drink ice water, leave a dollar tip, and then strip the table of everything that wasn't nailed down on the table (napkins, Sweet and Low, ketchup packs, etc.) She couldn't make any money there and swears there are whole rooms in apartments in Florida full of nothing but what has been grabbed off the tables! No, personally we don't take the extras. We feel like if you need to do that, you should eat at home. My daughter worked as a server and got so frustrated with people who would have 3 or 4 drinks and then leave a miserly (or no) tip. Couldn't they cut back ONE drink and leave a better tip?

[@BeeDee-qs9so]

Interesting! My father would have never allowed us to even take the soap from a hotel room. If we weren’t using the item “at the time and in place,” it wasn’t ours to take home as a freebie. I enjoyed that segment too. George and Rachel do segments such as these quite often on their Smart Money Happy Hour, and I find them fun when I get a chance to watch.

[@pamsmith1665]

You can't tell someone what to order. If you can't make enough on that job, change jobs or get a second one

[@GwenMotoGirl]

Thank you for saying this!

[@pamsmith6890]

you cant dictate how much people order or tip

[@Trustbutverify2651]

@@pamsmith6890 Obviously I KNOW that. It's my OPINION that people should not short the servers, that's all. They work hard and restaurants can't find enough help as it is.

[@melanieabbondandolo481]

You guys need to acknowledge that social security at 62 has earned income limits set at $56,000/yr. Plus Medicare does not start until 65 so there are alot of things to consider before taking 3 years of social security.

[@nekojamesp]

Exactly right. Some of George and Jade's SS advice was alarmist. I sent this to George: As one Boston guy to another, I hope you'll reconsider some of your recent advice on SS. We both agree that it is NOT a retirement plan, and may be unstable in the future, but I'm not sure your advice to take it at 62 and invest the payments in the stock market is wise for many people. For one, if you're working full-time, there's going to be a big tax hit (tacking social security onto an existing income), cutting sharply into returns. Also, someone between 62 and 70 likely shouldn't be fully exposed to the possibility of bad market year or two at that stage of life. A more conservative portfolio, as most advisors would recommend, is not going to reap a 10% annual gain. In addition, I think Jade said social security has a 2.8% annual return. Not so - it's more like 8%. And you do not get back only what you paid into it. Depending on your lifespan, you can reap much more. Again, SS is not something to rely on, but it can be an important part of an income stream. Please don't tell people to collect it at 62 and invest it in the stock market. That is too risky for most. Otherwise, you're doing a swell job! I'm a Massachusetts liberal who can filter out the religious/Trump-leaning sentiments of some Ramsey content and appreciate the common sense approach to getting out of debt. And yes, I am debt free, with or without a scream. Thanks.

[@suebanbo2698]

I have yet to hear any of them acknowledge the income limits attached to taking SS early. Maybe they have and I’ve missed the episode. Anyone wanting to take SS early needs to clarify all this themselves with the SS office.

[@GwenMotoGirl]

Not $56k! There’s a much lower limit until you’re full retirement. Income limit below full retirement age (67+ for most who aren’t collecting yet) is $22,340 in earned income for 2024.

[@rheedo1]

George, I’d love to see the figures in your fuzzy math. You’re assuming that you invest the SS payments and never touch it till age 80, it will add up to $1,450,000. That’s a huge assumption. Not too many people can do that. Taking SS early at 62 while still working is penalized and taxed, especially if you’re a high earner. Your social security check is reduced again when you turn 65 because they deduct your monthly Medicare payment. That “extra money” you’re receiving to invest is therefore reduced even more, but does increase again when you hit full retirement age if you’re still working, 67 for me, because the penalty for working while receiving SS is removed. There are two reasons why the average SS payment is so low, you stated $1700/month, they opted to receive SS early and/or they didn’t earn a lot. Personally, I’m going to bet on myself and wait till I’m 70 to receive SS and work beyond the age of 70. For every year I delay SS, my payment is approximately 8% more. I enjoy what I do, yet still have the flexibility to take time off as needed. The break even point of delaying SS versus taking it early is age 80. I’m expected to receive $4873/month in SS at age 70 and my genetics suggest I’m to live till I’m 90. I’m dependent on SS. For me, it’s not “social insecurity”. I hope to have my retirement plan payout $4000/month. As far as having benefits reduced by 20% in 2034 is an assumption. The republicans are considering cuts to social security, that’s a political death penalty. The baby boomers will vote them out of office. Congress will increase the SS tax to cover any shortfall.

[@nekojamesp]

They never veer from the required script. They have yet to acknowledge the bad advice on SS.@@suebanbo2698

[@MorKing86]

Love love love Jade's hair like this!

[@bettedavis9261]

I used to work in.a Mexican restaurant. We NEVER recycled the chips and salsa. How GROSS! 🤢 And since I never plan on taking a cruise, I won't worry about their policy.

[@robperry2691]

George killing it! I was worried that I would stop listening when Dave retired until George became a personality.

[@adearabby6154]

George is much nicer than Dave.

[@republicunited2183]

But I like Dave’s forwardness!

[@nekojamesp]

Except for his terrible advice on social security.

[@gootyeriz]

Thanks for sharing Andres Gutierrez. I never knew. Bring back another hispanic to the show.

[@lauragarcia3510]

I agree. Maybe I can get my husband interested in finances now lol

[@BeeDee-qs9so]

Terrific show today, George and Jade. So well done. 👍

[@lenetteshaw4833]

They totally glossed over Michael's comment about his dad is on hospice and is currently staying with him in the house. His wife's timing has him in overwhelmed mode. Michael, I'm so sorry for your current circumstances.

[@user-zy9yg2eu5t]

100% guarantee that his wife is divorcing him because of that situation too. It is so sad qnd disgusting how many people make marriage vows that they have no intention of keeping.

[@Nigriff]

I hope and pray for them. 🙏

[@Nigriff]

This is a perfect example of men not getting sympathy or mental/emotional help during their difficult situations. I would love to see John D do a follow up call with Michael.

[@thebestthingthatneverhappe6729]

exactly y he needs a clean break

[@tatyk4547]

Sure they could have spent time recognizing the situation but their answer to his financial question wouldn’t have changed.

[@ellenviveiros9359]

“The eye Candy” 😂 He’s stinking funny.

[@BeeDee-qs9so]

He’s cute too. And nice nails 😊

[@alexisballard1459]

1:47:57 i FEEL you Hypaecia!! Cooking at home is the hardest part of my debt free journey

[@CJ-vz5bl]

It's not hard, just a pain in the a$$

[@bettedavis9261]

I've cooked at home for over 30 years. It's not hard at all. Time consuming, yes; hard, no. I do have to admit, cooking dinner 7 nights a week for years on end has me dislike cooking, though

[@alexisballard1459]

@@CJ-vz5bl it is actually hard when you grew up on a processed and very limited palette.. i barely even like a lot of foods so cooking the same things over and over gets hard. The reason we eat out is for a variety because I only know how to cook what I like.

[@bettedavis9261]

​@@alexisballard1459you could look up recipes for foods you like online that you usually get at a restaurant, and expand your cooking repertoire.

[@brucefredrickson9677]

Welcome to hard...it's worth it.

[@SD4Grace]

George is so sweet to give the family a babymoon gift,

[@Shelly_B]

The "Tacky or Hacky: Restaurant Edition" was brilliant!

[@Davefitz04]

Elizabeth is spoiled as hell holy crap.

[@BeeDee-qs9so]

Definitely a new spin on Entitlement, for sure ….and so completely oblivious to it! Not even remotely close to gratitude, even. Strange. 🤔I do hope she reads the comments because she seems to have zero objectivity, bless her. She could learn something.

[@Trustbutverify2651]

Pity the guy who ends up with her as a spouse - a real diva!

[@MoGood2158]

53:20 I ❤ the restaurant edition….tacky or hacky?!? Awesome idea! 👏🏽 👏🏽👏🏽

[@leigh-anneobrien3299]

Beautiful team! Intelligent, insightful, intuitive, and witty. Winning combo, folks!! Thank you for what you bring to the world. Keep being authentically YOU. :)

[@serenajimmeye9860]

This episode was absolutely golden beginning to end it felt more within my reach that I could be one of these on the path to success Although I gotta say Elizabeth doesn't know what she has going for her a lot of people have no help at all she needs to be appreciative of her family

[@mrdavidashley6892]

YEAH!!!!!!!!!!!!! Congratulations TONY AND PAE🔥🔥🔥🔥🔥🔥🔥🔥

[@BeeDee-qs9so]

They were awesome with that BIG scream, too. Beautiful family- what a journey together. 🎉

[@mattisensquaregarten7335]

The “should I ask my family to buy a house” is a similar question I had. I mean I wasn’t going to ask my family to but, but I’m in a similar situation. Renting and owing is about the same where I am. Thanks so much for the clarity I actually signed a lease yesterday🎉

[@elizabethprocida3695]

Restaurant hack on a budget: Order appetizers and go to a byob. When our kids were little it was a great night out w hubby or friends

[@tinanjohnson101]

Awesome advice about Social Security! Thank you!

[@ThirstyFish.]

I was told never to get ice at a fast food restaurant or any restaurant because they never ever clean inside a ice maker ,, and it grows mold and mildew from The continuous opening and closing

[@BeeDee-qs9so]

😮😳😱

[@Trustbutverify2651]

Or the lemons - they're never washed!

[@BeeDee-qs9so]

@@Trustbutverify2651 Oh Nooooooo - Don’t tell me these things. Ignorance has been utter bliss for all these years….😂

[@adearabby6154]

There are many places that never clean the plastic tubing on drink machines. Sometimes the drinks have a moldy taste. Only drink things that come on sealed can or bottle.

[@bettedavis9261]

Well, if that's the case, better not get any beverage with ice at a restaurant.

[@coya8coy175]

They’re not lying about social security. I have a vested pension (I slipped in a few years before they ended it for new hires) and I still started a 2nd retirement account. Always have a plan B guys.

[@meagonlefkakis3370]

HAMMOND, INDIANA DEBT FREE SCREAM!!! I live there!!!!! Congrats!!!! 🎉❤

[@Trustbutverify2651]

Another comment on eating out which was part of today's broadcast: If you look around in restaurants, you'd be hard pressed to think anyone has any money worries. Where's the inflation and high cost of living? We usually eat out on Friday night - had to wait almost an hour and the place was packed out all night long. Folks still pouring in at 9:30 p.m. I know what we spent for just two people. I can only guess what a family with two and three teenage kids is putting down on the table for just one meal eating out! Same at all the local restaurants here.

[@OopThereItIs77777]

Mo

[@markcollins2270]

The Dream Team

[@gators-rock-tim-t9247]

The girl who wanted the free house is why all young guys should stay single

[@6speed818]

I said this same thing. I feel bad who ever gets married to her.

[@tomiasthexder7673]

They want equality except when it comes to hard physical work, money and separations, then they want it all.

[@jenb25]

She really didn't understand what was wrong with this idea.

[@colleenduffy1139]

She's not representative of anyone but herself!

[@coffeegame4628]

I had to pause Elizabeth. She is embarrassingly daft.

[@boricuaflamenca]

True about the portions. But here's the hack, leftovers. Always take them. You have another meal prepaid.

[@pamsmith1665]

That's a no brainer

[@NaturalWifeyandMamaBear]

Hacky for sure on no ice! Else it’s mainly ice and not much of the drink then gets watery.

[@nekojamesp]

George, as one Boston guy to another, I hope you'll reconsider some of your recent advice on SS. We both agree that it is NOT a retirement plan, and may be unstable in the future, but I'm not sure your advice to take it at 62 and invest the payments in the stock market is wise for many people. For one, if you're working full-time, there's going to be a big tax hit (tacking social security onto an existing income), cutting sharply into returns. Also, someone between 62 and 70 likely shouldn't be fully exposed to the possibility of bad market year or two at that stage of life. A more conservative portfolio, as most advisors would recommend, is not going to reap a 10% annual gain. In addition, I think Jade said social security has a 2.8% annual return. Not so - it's more like 8%. And you do not get back only what you paid into it. Depending on your lifespan, you can reap much more. Again, SS is not something to rely on, but it can be an important part of an income stream. Please don't tell people to collect it at 62 and invest it in the stock market. That is too risky for most. Otherwise, you're doing a swell job! I'm a Massachusetts liberal who can filter out the religious/Trump-leaning sentiments of some Ramsey content and appreciate the common sense approach to getting out of debt. And yes, I am debt free, with or without a scream. Thanks.

[@Westra85]

To add to this, if you are working full time and start drawing social security at 62, you are going to be subject to an earnings limit. For 2024, there is a $1 reduction in your SS benefits for every $2 you earn over $22,320. At that point, not only are you locking yourself into the early withdrawal rate on your base Social Security but in the following year your SS would be decreased and you would not have the same amount to invest. As a hypothetical, using the average SS of $1700 at age 62 that was cited in the episode, a person working full time making $50,000 would have their monthly SS check reduced by $1,153/MO the following year, leaving only $547/MO to invest. With you on that point @nekojamesp!

[@hdsensing]

Hacky - I will go to a fast food place to get a meal with a drink. Before I leave, I get a refill with no ice. As much as they make off drinks, especially tea, I don't mind doing it.

[@clarkmontgomery9469]

If you make over 100k you won’t get social security at 62. They reduce your benefits until you are at full retirement age, while you are still working. You will not be able to invest the Social security if you’re not eligible to receive it based on earned income. The idea to invest the full SS benefits while still working will not work because you make too much money. They reduce the benefit by one dollar for every two dollars of your benefit. If you make three times what your benefit is at 62, you make too much money to qualify for the benefit. You all had made this argument before. Most earners working at 62 can’t qualify for SS if they make 6 figures.

[@GeorgeKamel]

Who said I’ll be working at 62?

[@clarkmontgomery9469]

@@GeorgeKamelthat was your premise to invest while you are working. Thats what the caller said. And your advice was to invest while they are working. I think he makes 85k which means he could NOT get the benefit based on the income limits.

[@clarkmontgomery9469]

I want to stack cash until I’m 70.

[@Trustbutverify2651]

@@clarkmontgomery9469 And you would be the smart one. The RS personalities are generally quite weak on their advice to Seniors and presume nothing major can wipe out a lot of saved income.

[@Trustbutverify2651]

@@GeorgeKamel I'm surprised you take the time to read the comments - do you need the affirmation, or are you a little insecure?

[@karalove3470]

Thank you for the segment about social security... I've thought for a long time that since we have retirement account money we should definitely take social security money as soon as possible and add it to our bucket. We will do a much better management job than the government.

[@Trustbutverify2651]

I wouldn't be so sure - there is a lot more to consider than this duo is telling you, and choices also impact the spouse (greatly, I might add.) Keep in mind that all the "personalities" except Dave are quite young. Not every Senior on social security would give the same advice. I have yet to meet a Senior who didn't wish he or she had waited until 70 (if they could have afforded it), especially true if the social security income is on the lower side. A major bill, such as a medical expense, can put a huge dent in savings, but a larger social security check later on can make a real difference. The young folks on RS rarely consider how medical bills and such can change an entire financial outlook in your later years. It pays to do your research on this and there are some excellent books out. Unfortunately, I can't recommend any or this comment will get booted off.

[@pamsmith1665]

I totally agree

[@nekojamesp]

Their advice was not accurate, and actually dangerous.

[@nekojamesp]

Their advice on social security was deeply flawed.

[@Truckerdaddy]

My wife stabbed me with a plastic fork over a piece of chocolate cake when she was in her 3rd trimester 😅. Sounds worse than it actually was

[@jeannettemollenhoff721]

Really good show

[@cynthiawaldorf9353]

The daughter from Mexico is great for caring enough about her parents future. With $23,000 US and if they spent $14,000 for a car that leaves them with $9,000 US in savings, no debt, and 3 properties and his $3,000 US a month in come. Awesome daughter!❤

[@alexisballard1459]

I’m a kids meal person too!! Too big of portions kill me

[@su-mu]

2:05:40 Watched it live, but a little behind, so I can skip the ads.

[@bettedavis9261]

That's what I do.

[@yontine]

Awesome family from the debt scream from Indiana, my home state!

[@tiawilson5782]

I’d love to see more on the social security. If no retirement would they still suggest taking it early? Or is there a show in it that idk about

[@strqueen123]

Yes and invest it

[@Trustbutverify2651]

There are so many excellent resources and books - unfortunately, I can't name them or my comment gets deleted. Read the review on the books and you'll find them.

[@monikaranee]

I’m rolling when she talked about giving Lucas a whoopin…I’m thinking of that episode of the office where Michael Scott’s nephew, Luke, got a whoopin in the middle of the office🤣

[@MorKing86]

I feel bad for Michael. My rent and utilities are also about 1750 a month, and I bring home $4,400 a month. I'm a single woman with no kids or pets. I can't imagine having to support two other human beings with my current income. I'm just getting by.

[@personaltrainer1]

George!

[@jennapromitas]

The insync “Woo Hoo” 😅

[@Freshprankstv1]

1:24:25. Crazy call

[@HH-qx4cg]

No way!!! That’s my name too..AND I’m also from Indiana!!! So crazy!! But my name is spelled Hypatia. Congratulations Hypaecia & Tony way to go!!!

[@AspenT91]

I think eating food family style is hacky and a waaay better experience!

[@Next22Play]

Thank you for sharing. Financial education is crucial today to show incredible resilience and discipline in the volatile market, masterfully balancing strategy and insight for success. This dedication to continuous learning is inspiring...managed to grow a nest egg of around 2.1BTC to a decent 15B TC in the space of a few weeks... I'm especially grateful to Linda Wilburn, whose deep expertise and traditional trading acumen have been invaluable in this challenging, ever-evolving financial landscape..

[@Next22Play]

She's often interacts on Telegrams, using the user-name.

[@Next22Play]

Lindawilburn

[@cheezmysta03]

Lol OHSA violation for a bread basket

[@kamoore179]

The problem with George's theory on taking SS early is that if you take it early, it limits the amount of income you can make from working.

[@savanah1407]

I mean good show but extremely different than the Dave Ramsey shows we all came and stay subscribed for.

[@deborahcaldwell9775]

What a GASSSS. Loved that one

[@lizziebeth5296]

That sounds great to take SS early and invest it. But at 63, I'm still working full time and my understanding is that I would be limited on how much I could earn if I take it now. I don't want my earnings to be limited.

[@K4R3N]

"Middle Class Baller" 😂

[@darrenhabecker6948]

On Thursday, July 4th, I'd like to hear Jade sing the Star Spangled Banner on the debt free stage, live on the show. "O'er the land of the free..."

[@dianem4188]

YES!!! That would be epic!!!

[@Kulintronica]

17:43 Jade goes over the top

[@rchi3906]

Alopecia brought it Today!!!

[@stephaniab2149]

I don't think the divorcing guy realize how much his wife's income, which sounds like it wasn't much did contribute to keeping them afloat. Jade is right he's gonna have to sell the house and get something more affordable.

[@DecoTreasure]

He probably will have alimony and child support payments in his future too.

[@LadyMatriarch.]

If you go to Red Robin tell them you’re splitting it and they’ll do it in the back for you for free. It’s like two little meals.

[@danniefowler7271]

Dude better just start planning on selling that house. after child support and hes bringing home about 1500 a month he probably wont be able to afford rent on some shit hole for the next 20 yrs

[@BCRichDraco1990]

I would not want a Camaro. They do not look like muscle cars anymore.

[@cyoohoos]

Sell. I went through a divorce. Any fixing up on the house if you decide to sell later she won’t be responsible for. Get an apartment

[@JeremyS86]

Gerry Rafferty is the man, great intro lol

[@Chartlaub5]

Less money to Ukraine. More to our people

[@christazoeller5506]

Can someone explain the Robinhood RUN statement? We've just started investing in it....😕🤔

[@LadyMatriarch.]

I ask for drinks with no ice and a small cup of ice! So I have a portionable drink 😅

[@Kulintronica]

1:34:56 Jade raises the roof

[@eidegutierrez4453]

1:28:26 this girl is pissed to hear what she is hearing from Jade and George. I think she will go ahead and ask🤦🏽‍♀️

[@kathigratton2286]

I bring my Milo water flavor

[@TopVillain]

Guy getting divorced with a 7 month old baby smh it’s about to get ugly!

[@bonniehalf-elven]

Chris, move to western PA. You can get an apartment for less than $1,000 per month.

[@berryjerry]

I’m a total Ramsey fan BUT I believe George’s comments about taking social security early (at 62) were misleading and inaccurate. Up until target retirement age any work earnings over $22,320 will reduce the amount of SS you receive. Here’s what SS site says, “If you are under full retirement age for the entire year, we deduct $1 from your benefit payments for every $2 you earn above the annual limit. For 2024, that limit is $22,320.” Taking retirement early and investing all of it doesn’t take into account what you are going to live on. For me, I’m investing social security after reaching target retirement age so I’m not limited on what I can still earn.

[@nekojamesp]

This was mind boggling advice that could spell disaster for many people. I hope they correct it.

[@Trustbutverify2651]

I've made many comments about this - and almost all of them get removed. The problem w/ taking SS early is that no one knows what costs will be around the corner that will wipe out investments, especially medical costs. Taking SS as late as possible means at least one source of income that is relatively stable b/c it would political suicide and a nation-wide riot if SS were done away with completely. I would rather take my chances on taking it later for the maximum amount (which is what we did) knowing at least that amount we can count on coming in each month. We have found that with no debt and a paid off house that we can actually live on very little and even if medical debt or some other unforseen disaster wipes out our investments, we can still manage very nicely on our SS.

[@NaturalWifeyandMamaBear]

And yea kids meal for adults is fine because that’s the portion we should be eating like Jade said 😂 (I don’t even eat out haha, homemade baby)

[@debsmith7460]

George: "my mom says I should smile more" George does not smile 😅

[@ginapiano5593]

I want to know where Jade got her dress!? I'm assuming it's a dress! ❤

[@OopThereItIs77777]

It’s a jumpsuit!

[@elchapojr6219]

More calls from Mexico 🇲🇽 my fellow Mexicans !!!!!