Don't Let Your Dream Become A Nightmare

[@jimmycleveland1373]

Dave, thank you for recommending that buyers should get a survey. I have been a land surveyor for 28 years, and people just do not understand the importance of knowing what they are buying. I could talk for hours of the horror stories I have seen and heard from my peers.

[@robnos9901]

Dave Ramsey team: I wonder if you ever thought of having an every day millionaire scream? People that reach BS7 and cross over into EDM status? Would also be motivation for us.

[@theadvocate3006]

Don't know of too many people who would want to come into the studio and tell Dave's 18 million listeners that they are now baby step millionaires. I can just imagine how many new relatives, scammers, churches and other charities would come out of the woodworks begging for money. Imo

[@Amiga247]

He does a baby step millionaire theme hour once in a while.

[@susancumberland4213]

I believe a lot of people would do that. The people that would come out of the woodworks to ask them for money wouldn't be watching this show

[@sippingtea4743]

I’d lose alot of friends and family if they knew I was a millionaire with no debt. I am all of this but I keep a low profile.

[@bettedavis9261]

​@@sippingtea4743exactly the same here.

[@richardmadrigal1675]

I love this show!! My wife and I became debt free by working the baby steps. Currently on baby step 4!!

[@crazybabe213]

Dave your team should gather your real estate conversations and put them all together or make it a series of shorts. Lord knows many of us would love that!

[@darkpoetik5375]

I was eating beans and rice before dave made it popular....always be on your grind.....

[@strqueen123]

Is your health good?

[@momnursefashionista7506]

Dave if that hadn’t happened to you WE wouldn’t be here! God uses our tribulations to bless others 🙌🏾🙌🏾🙌🏾

[@marysaltlife1427]

So enjoyed today's show. Good caller questions. Dave is my favorite with Jade and George close seconds.

[@jjkatz]

Same here

[@momnursefashionista7506]

I love Dave with Jade as well!

[@officerahmo]

I love Dave/John or Dave/Jade duos.

[@JonathanIvy221]

Always, always help YOURSELF first before helping others.

[@dianem4188]

Tracy and Chad, you are heros and an inspiration!!! Great job!

[@ghostriley1855]

Congrats and best wishes to Colleen and Andrew!🎊🎊🎊

[@andrewsalinas4943]

Thank you! ❤

[@thealexandraway]

​@@andrewsalinas4943congrats dude 👏🏻

[@JanJan-gc5gw]

Yeah for Colleen and Andrew! Best is yet to come! Colleen hustles it as my piano teacher, she is amazing.

[@MShah-ch6st]

To Charlene 05:28. you can do it..Set your goal to pay your debt within 2 years.

[@donnadsh8479]

Love the normal happening here! Congrats to the brilliant couple!

[@av-lz5db]

Great to see mr. Dave, and Jade.

[@StretchedBolt]

Was there in person to see that. Great experience!

[@JulsMWK1995]

The scripture verse we were just studying the passage in my Women’s study in studying persistence and confidence in prayer. It’s Luke chapter 11

[@travelnurseadventures3225]

Lol I called it! Caller Charlene in MD school can have her student loans paid in 2 years! No excuses 🎉

[@fourdayhomestead2839]

Great show. The variety of great questions explained in depth with Dave & Jade!

[@vg6790]

I don’t get why people call in and not want to take their advice

[@thealexandraway]

Especially when they always say on the show that the advice is exactly what you pay for

[@bettedavis9261]

​@@secretsquirrel6718😂😂😂😂 I agree.

[@teec4977]

Congratulations Colleen and Andrew!.....this is just great!!

[@misterenergy959]

Congratulations Andrew and Colleen!

[@rachelkruse9087]

When the first caller asked about child tax credits going away for her kids father, he should have suggested that she should get her child support agreement looked at, because if his income went up that much, she would likely get more each month too. I have never bothered taking my ex back, but if hers is being sneaky, then she may as well take advantage of that.

[@OdhinnAwake]

Used to be that gold diggers were with you for your money. Now they leave you for your money. No wonder men are walking away from marriage or going abroad for love.

[@beckyelliott2871]

Who are you calling a “gold digger”? Her or her ex?

[@OdhinnAwake]

@@beckyelliott2871 You mean you can't tell? Why not?

[@brookelondon8029]

He seems to be more worried about the tax credits that he does about his children. At least that's what I gathered from the conversation.

[@dianem4188]

Congrats Colleen and Andrew!!! I LOVE IT!!!

[@dangelosylvester6897]

Fun to see the family on the show, and it looks like our family got a little bigger 🎉

[@donatelloslappafello1108]

Dave is very biased against men in divorce situations. I like him, its just something ive observed

[@RiverflowwcutzTV]

another great show.....

[@geniusv8]

Happy ur back dave

[@av-lz5db]

Dave the dynamic and Jade the jewel.

[@DiscoverChristianChurch]

Way to go, Chad and Tracy!! 💛

[@purplecactussales8535]

Great ideas have recently applied this to credit card debt will have it paid off in 4 months

[@floresnashvilledrummer]

"But I love to travel!" OMG. Then go travel and let that school debt sit there for the next 30 years, when you can knock it out in two years and travel free and clear the rest of your life.

[@mmpg8940]

Her take home pay is ~$10k short of paying it off in 2 years, she wouldn't be able to pay rent, car or even eat. 3.5 years is more realistic after factoring in her rent, car payments, food, clothes etc.. I think Dave is great but y'all need to not live your lives by his exact words. We all have different circumstances.

[@backyardgrillmaster2910]

What is it with people keeping school debt? for over 10 years? She could pay it off in 3 years and then turn around and buy a house by the beach anywhere over 10 years after paying off the debt. I don't get it!

[@keithduchnicki349]

Way to go Colleen and Andrew 👏🙌👍

[@rncali99]

Kristina is the best!

[@lifewithlizajane9854]

I’m new to the baby steps. I’ve got $1680 in savings $3700 in investments I am 2 months ahead on my rent, no credit card debt or student loans. I just have regular debt like utilities, electric etc

[@schrodingerssquirrel6973]

The utilities are not debts, They're bills. There is a huge frugal community here on KZbin that can give advice on how to cut those bills down.

[@MikeyAnalog]

While I 100% agree with Dave's advice regarding the young man selling cars that he should not buy a new truck, Dave is a bit off about the rate that new vehicles (especially trucks) depreciate right now. Anyone who has been shopping for a used late model truck, particularly something like a Tacoma or Tundra can tell you they most definitely have not depreciated 50% in 36 months - more like 5 or 10% in my experience.

[@JulsMWK1995]

Yeah, I don’t like corner lots because of the small yard space and more traffic too.

[@thealexandraway]

Not to mention less privacy as well

[@alisatjaden3906]

@@thealexandraway Plus more snow to shovel. Lol!!

[@donatelloslappafello1108]

I liked it growing up. It was nice with a bigger yard in our case

[@RPB_TBAS4547]

Being a product of divorce and child support, there's more to that story in the first call.

[@kathleenruff9992]

They have new car fever. It will pass. Don’t do it.

[@LocaW8ta]

Can you imagine having a 100k in savings yet borrowing a car from the MIL?! Wut?!

[@alliboyd6346]

This is what I was thinking!

[@DansChessLounge]

What’s Dave’s philosophy on mortgage payments when it’s your first home and probably going to move in 3 to 5 years? Still try to pay it off or just send minimum payments?

[@brittanym9996]

Work the steps in order.

[@brookelondon8029]

what he has always said is that you should continue working to pay it off because you're going to get that money back when you sell it. Also, you may not move in that then and by paying it off early you're going to pay less interest. I hope I said that right!

[@brookelondon8029]

I agree, and I should've mentioned that when I just replied to the other poster.

[@DansChessLounge]

@@brookelondon8029 Thanks!

[@anthonyyoung6433]

The Dave Ramsey Engagement Stage.

[@lovelyesmegee21]

I had to pay pmi insurance and I put 20%down and I’ve been in my home for almost 6 years and still paying for pmi

[@christinah9954]

You should call your bank who holds your mortgage.

[@XxN8iVeSc0uTxX]

He asked her to be his girlfriend too fast 😂

[@reginaldjenkins9215]

Dave got the buy Downs backwards

[@BluebarnHomestead]

Question what was Dave saying about purchasing real estate in 2007? Just curious if he was still telling people to buy back then. I don't think right now is a good time to buy real estate unless you are holding for many years 10 + but why not wait and see what happens in this market.

[@midkort]

His plan is always to hold it for the long term. His advice is that as long as you are financially capable, buy it and hold it. That way, short term trends have little to do with your situation.

[@strqueen123]

I'm sure he was. But he was telling people to do it within their means, with a large down payment if not paying in cash, and with several months emergency fund

[@pamdanner3274]

Don’t buy the BMW X.3. I have one. Wish that I didn’t!

[@K187-m8n]

Get a q5 instead

[@zairamelero2206]

I love it!!! ❤

[@Diamondamber02]

Congrats to the soon to be newlyweds!

[@alinejames2783]

I love your glasses Jade!

[@timknin]

This first lady is prime example of why doctors don't make the upper list of "Baby Step Millionaires"!!!

[@beckyelliott2871]

How much of a down payment should I save up for a $25k - 30k cargo van? I should be DEBT-FREE in November or December this year, and am interested in getting a better vehicle using my current 2010 Ford Escape XLT and a reasonable down payment and taxes, etc. I have paid off roughly $3,200.00 in non-recurring debt this year on a $12,024.00 government subsidy income this year.

[@freespirit6209]

Listen to Dave. Buy the vehicle you can afford, and that's one you can pay cash for!

[@mmpg8940]

How is the doctor supposed to pay 125k a year into her debt when her take home is 120k a year..?

[@schrodingerssquirrel6973]

I'm in the market for a pet cheetah 🐆 But I can't chase it. Maybe a cub?

[@MrKewlplayer]

I make less then she does. I pay more in rent. $1800 a month she can't afford? My rent is $2137 She is doing other things with the money. Wasteful things. Get on a budget.

[@georgfloydvictims]

Oh hi Jade...... Next episode....

[@Harrison.Michael]

Get these debt screamers some water. Those lips be smackin non stop 😂

[@todaysrealinfo570]

I,really think Dave Ramsey does not have his viewers best interest because he says stay out of debt but He allow his customers to use debt(Credit Cards 💳 )to buy his courses….

[@coreybrooks7437]

NOPE 🙅‍♂️🙅‍♂️🙅‍♂️🙅‍♂️🙅‍♂️🙅‍♂️🙅🙅🙅🙅🙅‍♀️🙅‍♀️🙅‍♀️

[@todaysrealinfo570]

@@coreybrooks7437 Oh he’s gonna tell you you shouldn’t be using the credit card but he wants you to use a credit card to buy his courses

[@Amiga247]

He has specifically said don’t buy his course using a credit card. As hard as he is on people, I always hear the love within his gruff manner.

[@todaysrealinfo570]

@@Amiga247 i’m just being real with you if he do not want you to buy the course with a credit card he would offer that service with a credit card because that cost him money to offer that service visa MasterCard doesn’t do that for free. He would make it where you will have to use check cash or money orders NO credit on this

[@mikesmith7253]

I agree with you Todays Real Info

[@lightspeedgallery]

Wow a resentful divorced woman.! Let the man make his money and stay out of his life.

[@adriancolon1989]

You guys crazy talking like that to stop her from helping the father! Wow he’s still a parent and should benifit

[@alanberry4919]

It is not about helping the father or not. It is about fairness. There is probably more going on. If they have split custody, then what the father is asking is to be the only one to benefit which is not fair. Also, only 3 children can be claimed for the tax benefits so the value of doing this is less than they think.

[@Pepestock]

Then he shouldn't have left

[@notgivingmyemail3381]

@@Pepestock who said he’s the one that left? I must have missed that part. I heard (on the internet so it HAS to be true) that women initiate divorce proceedings at a higher rate than men do.

[@Pepestock]

@@notgivingmyemail3381 There are two options 1. He's a bad man who left his kids 2. He's a good man who chose such a bad person to marry that she tore their family apart, meaning his decision making is awful. Neither is good.

[@michaelboyce3871]

Who buys a car from an 18 year old sales boy?

[@Docy224]

You’d be surprised? What’s it matter the age

[@Diamondamber02]

Congrats to the soon to be newlyweds!