Don’t Bury Your Head in the Sand - Pay Off Your Debt!

The Ramsey Show (October 3, 2023)
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[@paulinejensen7968]

Jade has the right voice and personality for this job! Its like she's been doing this for yrs. Love her

[@reneespring834]

Johns reply to the mom whose son was living at home struggling. Hit the nail on the head with me. 3 kids in college and I have no purpose in life whatsoever. It killed me to sell my suburban that I have been driving alone for 3 years.😅 It gave me some clarity to actually hear him say it out loud. I listen to the show for financial info, but life info not bad either.

[@marciafischbeck7653]

Now when we meet someone who is owing student loan debt, we should thank them for supporting our country's financial stability!

[@mayfair10]

Holy Toledo! That chart of the federal government assets is STUNNING! Student loans are the cash cow for our democracy. Whoa.

[@jcszot]

That’s so true! What Jade is saying about the financing. They didn’t like me too much because I had a cashiers check. They kept changing their pitch to get me to change my mind. Finally I stood up in the office and I picked up the check off of the gentleman’s desk and I said “Look……you either wanna sell me this car or you don’t.” 🤷‍♀️ well then of course I got the car lol but yes they do not like people who buy cars with cash! 🤓

[@targetegrat]

Same thing happened to me except with home improvement. The company kept trying to get me to finance. I stayed firm and paid online after the work was done. These businesses will take a chance on you not being able to complete your payments to maximize on the money made from interest if you finance. Why take that chance when you have the guaranteed full payment in lump sum?

[@Trustbutverify2651]

To "Our Son Won't Move Out" - there's a great book: When Our Grown Kids Disappoint Us: Letting Go of Their Problems, Loving Them Anyway, and Getting on with Our Lives. Highly recommend.

[@roynerand1523]

...I'M ABOUT TO LOOSE CONTROL AND I THINK I LIKE IT! I got you John!

[@Trustbutverify2651]

The AARP online newsletter today had horrific accounts of retired Seniors in their 70s still trying to pay off a mortgage and student loans! "Just didn't realize life could throw me a curve and things would get so expensive, etc." Lots of parents who are deeply in debt for trying to pay their kids' college costs. DON'T DO IT - Senior citizens are mortgaging their retirements on the backs of their kids' "dream college" wishes.

[@jcszot]

Agreed!

[@Nigriff]

The AARP is run by Democrats

[@CraigHodges9100]

Just go to the Community College across the street.

[@alexbernard6220]

​@@CraigHodges9100based

[@MAfanwoods37]

Agreed

[@magalibaeck-qy2oq]

In Belgium (and most of Europe), manual underwriting mortgages are the normal Way to have a mortgage. Credit score doesn't exist.

[@YeseniaElizabeth_]

Listening to y’all & I called & closed my credit card account, again, I had it for just in case but if I have it there I would use it & I’m done with it

[@Beloved613]

That’s good advice Dr. John about trying to find jobs to transfer social work skills and get higher pay. I’m in a similar situation and have been trying to be creative in job hunting. Maybe I just needed someone to tell me that’s okay 🤪

[@brookelondon8029]

It might be a good idea to get the career assessment questionnaire that Ken wrote. One of my friends said it showed her a lot of things about herself that she didn't realize were attributes, L O L. Good luck!

[@MoGood2158]

37:29 You (the borrower) ate the steak dinner (agreed to the loan terms) so pay for the steak dinner (pay the loan). Now if the steak dinner comes with a coupon (loan forgiveness)…..cool! Use the coupon. But if the steak dinner (student loan) doesn’t have a coupon (loan forgiveness), still cool…..pay the loan! -“Steak dinner” quote from Judge Judy

[@WavyCurlyGina]

Love Judge Judy! I say the quote 'Where did you think you were coming today, a tea dance?' when someone arrives to anything unprepared 🤣🤣

[@sjs222]

Jade is a star 💫

[@michellemurray4044]

Enjoying the variety of the Ramsey personalities and what they bring to the table. They are the future of the show!!

[@laszlobauer5274]

The more you work the plan and the less worried you are regarding finances, the less your fico score is. I have an app which says that I am doing worse, however my utilization is lower every day and my payment rate is 100%.

[@jlee8792]

Amazing day for me. People brought my questions and got an answers from today show. Thanks y'all

[@thesunandthemoon1]

Loved Jade & Dr. D together on this episode!

[@bettedavis9261]

1:43:14 well, I agree, a lot of kids will probably forget if Mom or Dad miss a game (however, my 29 year old son remembers the one game I missed due to being really sick). I, personally, remember my parents only went to the games where they were the carpool parents that day; or only went to the games where it was "Dad's Night" or "Mom's Night." I'm sure they had better things to do. That, right there, is why I made darned sure I went to all my son's things.

[@konakailua7204]

I love ❤ Jade! You are a motivating person and inspiring! I enjoy hearing you speak!

[@myoldvhstapes]

1:39:02- I love how the two take on the same pose over the next few seconds!

[@jt411]

Wow Molly jumped into insanity $125,000 of student loan debt with a yearly income at $67000 absolutely wild

[@dianevinces805]

That comment about your home..when you walk in a tense up 😮 that hit me hard. Just purchased your book after that. Looking forward to a good read. I'm an avid watcher of this show, thank you for the inspiration!

[@battlefrenzie]

To the girl with PCOS, I also have it & it's more far reaching than fertility. There is a lot of snake oil & non-qualified people sharing personal opinions. Be careful. Getting help doesn't have to cost thousands out of pocket.

[@brookebales2931]

🍁🍁🍁🍁🍁 another fantastic show with two favs, John and Jade 😁 (I love all y’all)

[@kristentrohkimoinen]

Kristie, please don't spend money on something you probably don't have! If you don't have heavy periods or an inconsistent cycle, you do not have PCOS!!!

[@fleetofwjs1893]

John's middle initials are O M... as in Oscar Mayer. 😂😂😂

[@emilytossetti-farmgirlmerc1878]

The lady with PCOS should go to a functional medicine dr. There's a nice balance with natural and traditional medicine.

[@catherinewetzel417]

Agree, or a NAPRO doctor.

[@OopThereItIs77777]

T H I S

[@CabinLifeatBaseX]

Melody of Iowa, I feel your dilemma. My kids does not want me in their life because I divorced their drug addict abusive husband which eventually died. I have considerable assets and I'll be living my assets to a trust.

[@paulajeffrey6706]

I have a bad credit score,self-employed and 60years old. I rang a mortgage company and asked about an underwritten mortgage. (15 years.) They asked for1 years books showing that I earned £50000 last year then they will lend me 200000. No other bills ,that was all they wanted. I was an interest rate very near other mortgages. They have your house as collateral so I think that's why it works.

[@joyodonnell5753]

DEAR Mom, he has PTSD. HE needs structure. He needs a schedule. He is begging for someone to put him in a good place and set him to work! Grab him by the neck and get him on a schedule. When you get used to having a set schedule it's hard to figure it out by yourself.

[@bettedavis9261]

1:23:33 when I took my MIL to pay in full with a personal check for her new Honda Civic in 2019, she got no pushback whatsoever. They took her check, shook her hand and gave her the car keys. The same thing happened to me when I bought my 2022 Honda Accord, as well as when my husband bought his 2021 Jeep Wrangler. Paid with checks. No pushback. No arm twisting. Same price as if we financed. Maybe the car dealers treat customers differently in our state 🤷🏼‍♀️

[@targetegrat]

Over the last few years depending on the area it has been hard for dealerships to get rid of inventory. I'm sure they were happy to have one less vehicle on the lot.

[@bettedavis9261]

@@targetegrat no, got mine during Covid, and I had a choice of two vehicles at my trim level. There were four if I wanted to go up a trim level (and spend more $). My husband had a choice of two vehicles (we had to drive an hour outside of town because it's really difficult to find a Wrangler with manual transmission).

[@bettedavis9261]

@@davidb2206 we're in the central part of the US.

[@bettedavis9261]

@@davidb2206 yes, and I wish the people from the higher cost of living states would continue to fly over. I don't want them moving here and driving up housing costs any more than they are.

[@jcszot]

Happy release day, Dr. John! I got my book today! 👏🏻🙏🏻🙏🏻🙏🏻🙏🏻🙏🏻💪🏻🌸🥰

[@KK-ex9pb]

Dr. Ken Berry has a KZbin podcast about healing PCOS with a proper human diet.

[@suncoastgirl2512]

To the lady whose son was in the military and is not keeping a job, I have a grandson that is 18 and is working a job as an apprentice welder. He has worked repairing and selling lawn mowers, etc. since he was 14, went to college to get his welding certificates and at 18 didn’t want to follow his parent’s rules. He left on his own and is living in his SUV. He said it’s not easy but, he still works and shows up to church. He pays for storage for his stuff and showers at the gym. Maybe your son needs counseling but after being in the military, there’s no doubt he could survive on his own.

[@DaRKWizaRdGaming0]

Why does Dave require them to have their face on it? Is it a branding and accountability thing?

[@aliciaeasterwood]

For branding yes

[@nickdobbs5128]

Credit and debt are 2 different things. They are not synonyms. Having a great credit score can make your life easier when used correctly. Debt=absolutely not allowed. Credit=not a bad thing.

[@laurafratoni7931]

But if you aren’t going to go debt, you don’t need the score I think is the sentiment.

[@madisonjarvis8449]

Just bought your book today. So excited to hear your read it on audiobook.

[@laurafratoni7931]

Does he read it? I find his voice so stressful sounding.

[@madisonjarvis8449]

@@laurafratoni7931 it actually him reading it. I say his voice in this sound like a tamer version of him on the show. The book really good though.

[@bettedavis9261]

I know they were up against the final clock with the last caller, but Jade failed to remember the second caveat regarding selling or keeping a car, which is...can you pay it off in under two years? If not, sell it. Unfortunately, she didn't ask that question.

[@thirdintegra]

With that income he can

[@targetegrat]

Wow. I worked for a financial institution. The company stressed to internal employee if it takes over 3 years to pay off a vehicle you really can't afford it. I felt it was hypocritical since they always pushed the longer loan terms on customers.

[@bettedavis9261]

@@thirdintegra I agree, I just don't know what his debt payoff trajectory was, since they never addressed it.

[@Trustbutverify2651]

The woman at the end of the show who is a nurse and doesn't want to leave her 7 year old son does not sound like she has the resilience to do the plan - I hope she does.

[@ginapiano5593]

To the girl with PCOS.... I have that, and would love to help out if possible with info :)

[@bettedavis9261]

I can't breathe. I know that's right.

[@abdulsijad2419]

im 93 yr old and i still have 15 yrs left on my mortgage...i teally hope i can pay it off in 20

[@Sylancewillfall]

For Mr Ramsey and the algorithm

[@MommaJs-tz2uz]

I bought a brand new car, 2022, after the trade I paid cash and the dealership didn;t know what to do. It was quite hilarious Cash baffels so many people I use cash.

[@flashthecorgi2053]

Congratulations to Dr. John!!!! Already started reading it on audio and I love it!! So good, and one of the most talented world class writers! ❤️🎉

[@angelwings1]

I love the show but there’s waaaay too much talking and not enough phone calls. And please stop mentioning the book in an infomercial every show 🙏🏻

[@notgivingmyemail3381]

The second part of your first sentence is probably correct. There isn’t enough phone calls; so they have to talk to fill the time.

[@p.sherman3158]

There are plenty of phone calls. They are pushing the book

[@yankos_]

1:23:50 Tell me about it... We went to NSW Services (like the DMV of New South Wales Australia), with my 16yo son, for his Learner's Permit, with his cash, to pay for the LP, and the lady, about 50yo, didn't have change for $50, and then gave him $21 change for his $28 LP, because she did not identify the difference between a $2 coin and a $1 coin..... WT!!! 😳🙄😉🙂😀

[@HashPhantom]

The discussion on garnishment of wages is also a great promotion for bitcoin :) be your own bank

[@motoryzen]

Not really considering how volatile that digital made up currency is. There's absolutely nothing backing up, but coin Doge, coin, armpit hair coin or any other idiot coin idiot can think of.

[@alethasmith1515]

You are so helpful 💞

[@FabricGal]

That chart was from 2018..... what is the current amount in student loan debts

[@taylorceja]

For the love of God pls ask everyone making over 100k what they do for work! 😂😂

[@OopThereItIs77777]

That really isn’t anything at all. Most are engineers or in data…

[@buckibanker]

Accountants, medical field, bankers and finance, welders and finish carpenters, factory workers, UPS drivers. Lots of 100k jobs

[@OopThereItIs77777]

@@buckibanker UPS drivers yes! That’s a huge one people forget. Also their pension & benefits are A1.

[@justincrowell3708]

So how come Daves daughter hasn't been on the show lately...

[@brookelondon8029]

You may not have been listening for a long time. His children had jobs around the house when they were old enough to do things, like fill the dishwasher, etc. They went to public school and they went to a local college. They didn't know how much money he had until they had all graduated. He said he didn't want them to think they had hit the lottery. He says it's not their money, it's God's money and they have a stewardship to manage it for God. He put all sorts of stipulations on their inheritance. If they're not going to church and not leaving good lives and not following his principles, they don't get anything. And he doesn't brag about how much he gives to charity but he tithes to his church which is 10% and his daughter Denise is totally in charge of giftgiving and the foundations that they run. They give away several hundred million dollars a year. There's a verse in the Bible that says don't let your left hand know what your right hand is doing which means that you don't brag about your donations. He doesn't brag, he just does it.

[@pennybentley5125]

Funny how some hosts act out when Daves not on 🤔

[@OopThereItIs77777]

Eh he gives them the jurisdiction to do so. They aren’t supposed to be him 😂😂😂😂😂😎

[@pennybentley5125]

@@OopThereItIs77777 I don't expect them to act like Dave , I guess they cant get a word in when Dave's on 🤣😂🤣

[@OopThereItIs77777]

Lol yes exactly! That’s why I laughed. I love Dave but he cuts them all off. You’re right! The jurisdiction meaning he ain’t around 😂

[@ashleenicole71]

​@pennybentley5125 it's pointless to have anyone in with Dave. He is the only one talking usually

[@pennybentley5125]

@@ashleenicole71 yes 100% they can't get a word in 😊💐

[@MommaJs-tz2uz]

My new great Nephew is Rhett. Nothing wrong with that

[@OopThereItIs77777]

Wait, didn’t she say it’s just been her & him for 6 years? The guy abandoned the child; idk if she can even file for support since he hasn’t seen him or contributed in that long. Essentially his rights are gone due to abandonment. She might need an attorney for that; it’s gonna get messy when he files that he hasn’t seen the boy. THEN child support means he gets to see the child. Who knows what he’s into these days & once the court is involved, they are forever.

[@OopThereItIs77777]

@@davidb2206 Not all signs show up. My college friend was in an amazing relationship. We loved him. She loved him. He gave zero signs. They got married & he enlisted, was gone for about 3 years; he came back & hit her. She left the first time. You never know. You just don’t. I do agree that most of the time there are signs. A lot of the time women that do this have childhood trauma/abandonment issues. They cling to men who love bomb or abuse them. Often times it’s daddy issues. It’s all cyclical

[@ckcarroll183]

The Wellness Way tests first - Dr. Patrick Flynn's wife had that - she now has four beautiful daughters.

[@ashleenicole71]

... with today's mortgage rates. They definitely shouldn't sell.

[@jcszot]

Erin why aren’t you trying to get child support from this child’s father? There’s a lot of organizations out there that will help single women. They are not high, profiled firm, affiliated attorneys. They work for the county or the state and they help people like you and your situation. Don’t let this guy off the hook! That’s not fair to you or your child! Don’t create a life of struggle for you and your child because you don’t pursue the child support. There is a way to get it without paying through the nose for legal counsel. Once your child turns 18 that Avenue is going to close.

[@OopThereItIs77777]

100% she doesn’t even need anyone to get child support. Walk into the courthouse & file. It’s that easy

[@xreediculousx]

Get rid of Kate, dude. She lied about that no telling what else she's lying to you about. State employee's with 30k SL debt...what have you been doing for the past 3 years?

[@Laura-hy6bu]

How long does it take to get a zero credit score

[@brookelondon8029]

Dave says 18 months with no activity. But it doesn't actually go to "zero" but it's a very low number. And it's a good idea while you were getting rid of your credit score to check your credit reports every few months to see if they missed anything. Good for you! Great move!

[@amireallythatgrumpy6508]

No it doesn't go to a very low number. It becomes "indeterminate", which some people call zero for simplicity.@@brookelondon8029

[@loucaribou7765]

Useless combo

[@joziewales1965]

accruing 👍🏼👍🏼

[@lesg5270]

Min 30. Not if Carleton gets married😅

[@prettynyker7704]

just got the book!

[@lesg5270]

Young man at min 26, stay home. Give ur parents a few hundred bucks a month and throw back your cash. Nothing wrong with buying your 1st home. I did.

[@sherrichapple3087]

NESARA, contracts with fiat currency will be forgiven~gold back currency/ digital is on the horizon 😉

[@coscarov]

Get a great deal on a car by financing it and pay it off next day

[@thriving.life48]

I have student debt and I will never, never ever...be able to pay it off!!😢

[@nathanrainey7209]

Sorry but I disagree with the pausing of the debt payoff to have children. Where’s the responsibility?

[@amireallythatgrumpy6508]

You've got to save to make sure you can cover any medical expenses related to the birth. Not doing so is irresponsible. If there are no medical expenses then used the saved money make extra payments after the birth. Basic common sense.

[@nathanrainey7209]

@@amireallythatgrumpy6508 yea that makes sense. But I disagree with having kids while in debt in the first place

[@amireallythatgrumpy6508]

No sex if you're in debt? I can get behind that. @@nathanrainey7209

[@laurafratoni7931]

@@nathanrainey7209babies don’t cost anything really. Not until our daughter was in sports or camps did the costs come. A couple may be aging, so don’t wait. I had my first baby at 36 and it’s harder to get pregnant later and 10 years later, I’m tired!

[@darylannmanson3240]

That naturopath stuff is pure snake oil. That lady can go online and pay for her own tests cheaper. They like to put borax in places it don't belong and watch a video to call themselves a medical professional.

[@OopThereItIs77777]

Hey American doctors are killing daily. Naturopaths & homeopaths aren’t pushing life altering drugs. They find the root. They don’t just treat symptoms to keep you coming back. Please shut up

[@sarahxo6546]

I cant stand her laugh its so fake

[@amazinggrace8136]

Dave what’s the point of saving people’s money but leading their souls straight to hell by endorsing the catholic hallow app/bible. And you claim to be a born again Christian?! I would reevaluate that.

[@thirdintegra]

Here you are again. Is there something wrong with you?

[@mharrycatterall5098]

Didn't you say this crap yesterday.... you need to get out more !!

[@bettedavis9261]

You know the ad's going to play on the daily. If it's so offensive, go elsewhere. There are boatloads of other YT channels to watch. I know, that's what Satan would say.

[@lauraeklund1672]

Please educate yourself. The Bible verse the "born agains" cling to is the most understood verse in the Bible. Keep reading. Nicodemus asks for clarification. Jesus is referring to Baptism. Our church fathers and those that walked closest to Christ interpreted this verse as Baptism for centuries. It was understood as Baptism for 1,500 years. Please, please educate yourself. Don't put Catholics down because you are ignorant of church history, the Bible, and the religion.

[@CK2624]

"Leading souls straight to hell" 😂 please take your ignorant, anti Catholic bigotry elsewhere 👋

[@takemeback5307]

Jades a feminist. I said what I said

[@rosebush7000]

Wonderful! That tells me she takes no crap from foolish people! Woohoo! I am here for strong Black, beautiful, intelligent, debtfree rich women working hard to make things happen! Beautiful Jade, happily married with a handsome husband who loves her, a , mother thriving just like Her Heavenly Father intended! Praise God! Hallelujah! 💪🏽💪🏽💪🏽

[@OopThereItIs77777]

Jade is 100% not lol if you’ve heard anything she says, you’d know that.

[@thirdintegra]

Whether she is or she isn't, she's doing well in life. How are things going for you?

[@takemeback5307]

@@thirdintegra net worth millionaire, my life is 😊good. Don’t be mad, you didn’t have to respond. But carry on

[@takemeback5307]

@@rosebush7000 ok

[@EricaHorst]

Sorry . Can’t listen when this girl is on.

[@chrisgmusic4God]

I miss the days when it was just Dave.

[@bettedavis9261]

So do I.

[@ghostriley1855]

You can always just search for the old episodes

[@chrisgmusic4God]

@@ghostriley1855 you can always go jump in a lake too.

[@MJMonroe]

Me too.

[@thebestthingthatneverhappe6729]

​@@chrisgmusic4God😂