Don’t Rationalize Stupid Money Decisions! | April 17, 2024

The Ramsey Show (April 17, 2024)
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Dave Ramsey & George Kamel answer your questions and discuss:
- "Is now the right time to treat myself with a car?"
- "Why you shouldn't rationalize your stupid money decisions,"
- "How should we use our savings?"
- "My abusive husband took all our money and left,"
- Why leasing a car is the most expensive way to own a vehicle,
- We hear from millionaires to find out how they built their wealth.
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[@Cahoooters]

How Dave dealt with the lady in the abusive situation.. that was truly amazing. Standing ovation.

[@BryanMaddy]

Amen

[@user-gu3ou9ds7p]

Left me in tears

[@jereni-solpoetry5994]

Yes! I agree.

[@wattapunk1042]

This is why Dave would be the only personality that can handle these type of situations. He may be harsh at times but extremely caring when the situation calls for it.

[@DeezyDesoto96]

@@wattapunk1042that poppop energy 💪🏾

[@TheCookieFranco]

I was wondering if they were ever going to relaunch the cruise. Good for them. I’ll be in my bathtub for my Baby Step 2 cruise.

[@BeeDee-qs9so]

😂🎉Good for you, you humble soon-to-be Debt Free soul! 👌👍😂

[@bluebelle9572]

🛀 same 😅

[@willtacoma2ndgen661]

😂😂😂😂 I'm dying

[@lisasmilez]

😂😂😂😂 me too

[@jjs2080]

That was hilarious 😂 Hang in there, this kind of cruise won't last forever 💪🏻

[@gospelgardensandtunes4109]

I prayed for you Kristen in NY. I am an RN and my first husband didn’t work and became abusive. I pray he steps up for your sake and your family.

[@hdsensing]

Training for a race isn't fun at times but finishing/winning a race is AMAZING. Most times, anything worth having takes perseverance.

[@DeezyDesoto96]

You said 10 years worth of info in two sentences💪🏾💯

[@paulh1745]

In 2020 I purchased a used mobile home in a park for $8000. I put an HVAC unit on it for $3750. I sold it in November 2022 for $31,000, so don’t believe Dave when he says they go down in value. They don’t go down in value anymore, but you make your money when you buy them not when you sell them.

[@90SNOBODY]

Thanks for your input, I have a mobile home right now & wanted him to ask her more questions about finances but basically shut her down without helping.

[@paulh1745]

@@90SNOBODY just look at how he bashes Dr. Fauci every chance he gets. If he had lost a loved one to Covid, he would have a very different view of the work Dr. Fauci was doing for our country. Dave Ramsey is a self proclaimed, devout, Christian hypocrite, who loves Donald Trump. He thinks he is so smart, that people cannot see his hypocrisy. I like his channel, and I like the work he does, and I can’t stand his hypocrisy.

[@traceyl9959]

I agree with you, but it may depend on the area. For example, If the mobile home park is nice and well maintained.

[@EcomCarl]

It's great to see Dave Ramsey emphasizing that financial freedom isn't about being cheap but about being intentional with money. The relaunch of the Live Like No One Else cruise is a fantastic opportunity for those who've achieved financial stability to celebrate and connect! 🚢

[@90SNOBODY]

I bought a mobile home because it was cheaper month to month versus living in an apartment. We are using it as a stepping stone to a house. I don't recommend taking a loan on a manufactured home though, huge waste of money due to interest rates.

[@noaspencer]

I was thinking of doing this but changed my mind due to Dave recommending not spending too much on depreciating items

[@90SNOBODY]

@@noaspencer Most are only around 10k to 30k where I'm at and because of their age, they're no longer depreciating. Not everything Dave says is 100% fact.

[@kel-kel1723]

Infuriating the way Dave speaks to people about modular homes & trailers. I bought a BEAUTIFUL modular home in 2017, had it put on my 5 acre property. PAID $200k with the land 2022 SOLD it for $350. New Mexico

[@annbroughton2145]

I feel the same way. I have to retire and purchase a mobile home. He made me feel bad!!!

[@jpsy422]

You are an anomaly in the vast majority of history, not the norm.

[@DeezyDesoto96]

Just a man Trynna help. Not his fault if you choose not to take his advice or if it stings. 😬. We’ve all been there I’m sure atp. But ofc everyone’s situation is different. Maybe give him a call and see what he thinks about your personal situation

[@courtneyw2612]

If you don’t like it then don’t listen to him… problem solved. Your choosing to be offended so maybe re think your thinking. Look at yourself first.

[@StephanieBogart]

I understand what Wendy is going through with the mental health issues with the kids. I have 1 with that and I can’t imagine dealing with 3. I know just how expensive it is. We have been in it without health insurance. Praying for you ❤🙏🏻

[@garyfarley323]

We are "BOOKED" ...can't wait...

[@MikeCarroll-qs9rd]

A podiatrist is a DPM, not a MD and as a surgeon, they usually do make less than other surgeons as the government and Medicare do not always consider them on the same level as MD's and DO's.

[@ldabney50]

We own a Palm harbor 2000 square foot double-wide home we've been in it for 25 years we own our own land that it sits on I know Dave talks about the statistics of the manufactured homes my wife and I enjoy the show we are debt-free we are in a saving mode

[@Truckerdaddy]

I live in a 1971 double wide and it's junk. New mobile homes are built far better than 30,40, and 50yrs ago. My interior walls are all 1x3s, exterior walls are 2x3s with 1x2s screwed to them then the outside sheet metal is screwed to the 1x2s. My windows are single hung side side style windows. All the new mobile homes are built to the same specs as foundation homes. 2x4 walls, double hung windows that are Hurricane rated, etc. That's why mobile homes today are so expensive.

[@ldabney50]

Are outside walls are 6 in Palm harbor homes went through hurricanes the foundation is very Stout we have this on a 2 1/2 acres land away from the city 25 mi away😊

[@Steelersfanswest]

Man that lady had been through it. I felt so bad for her and Dave handled the entire situation like a boss. I love these podcasts they have changed my perspective on my money and life. Now I've got even more respect for this crew ❤❤

[@gospelgardensandtunes4109]

I prayed for you Wendy from Phoenix. My heart goes out to you.

[@Nigriff]

George and Dave: SNARK TANK

[@DeezyDesoto96]

So what do you call the KZbin comment section ? 😂🤦🏾‍♂️

[@pejisan]

i'm surprised corporatists aren't trying to shut you down! Consumerism is their whole game and you are teaching people how to withstand the seduction.

[@kellydfunk]

Mobile homes don't always go down in value in CA

[@kellydfunk]

Really hope she doesn't take that terrible advice. It's too bad he got huffy instead of considering her actual situation.

[@AB-sj3tl]

Oh man!! Didn’t know about a cruise. I’m in step 2 . Got to step it up!!

[@user-kn2ge4kk1m]

Saw this live today. George, i know your duck feet are kicking amd you didn't get as many lines but your performance and input are something to be proud of.

[@rosebush7000]

May God help those who asks why all her kids have “mental issues”. Count your blessings and leave the judgements. You don’t know until you know…blessings and peace to that mother.

[@ThePolypam]

Frankly, it is statistically impossible to have 3 kids dealing with mental health issues. Contagion is very, very common among teenagers (see gender crisis) and worth investigating rather than affirming unquestioningly.

[@KonkinWasRight]

@@ThePolypam Really? Can you show me that statistic you're referring to?

[@reginamajors3687]

Correct me if I'm wrong but it could be a possibility that one could have children and God forbid if they were abused in such a mental damaging way, this could be possible.

[@ThePolypam]

@@KonkinWasRightI'm sorry. I answered you with several links, but my message was deleted. It happens to me quite often on this channel. They were from Scientific American and NHI

[@pandafox12]

She seems to be projecting her anxiety on to the kids

[@jakeelder4695]

I made 90k when I sold my manufactured home after only owning it for 2 years. I don't know where he gets they all go down in value.

[@noaspencer]

How much did it increase in value?

[@vaska1999]

​@@noaspencerIt does need to go up in value: the added value is in the two years he lived in it. Now he has that 90k to use as down payment on a house, if he wants one.

[@anyagee9467]

If all the children have suicidal ideation - this family is sick. The parents need help in the first place, and the children secondarily. I mean it's too late now, but the parents still need to get it together. There may be abuse in the family. Remove abuse = some issues resolved.

[@Nigriff]

That man with a net worth of $32 million had a 70 year old angel show up to work.

[@shannonfritch8313]

I wonder if Jade and Sam will resurrect their cruise show they did in their past life?😂

[@byzebee123]

A parents anxiousness absolutely rubs off on kids. If she stays calm her kids will sense that as well.

[@TopVillain]

That one caller sounded like a nervous wreck stressing out her entire family had the whole family on suicide watch. If going debt free is ever breaking you down to the point it’s destroying your family you need to take a pause and enjoy life for a short while.

[@stayreal4l284]

I don’t mean to be mean but I feel like she is the real nervous/ mental wreck and it rubs off on her children as well. The special needs one is absolutely tragic and I empathize.

[@SonofaB__ssnessowner]

I associate Dave with live like no one else so you can live like no one else. Sacrifice today, so tomorrow you can really live. Do you ever really live if you're under the constant pressure of debt? NO! You're not living when a $1000 bill scares the life out if you.

[@nonhlanhlamalinga9147]

Love listening to the show especially when Dave is on. All the way from South Africa

[@Brilliantick99]

Great show

[@alycat9186]

I just love George so much!! His commentary (whether snarky or light-hearted) and jokes always get me!!! He really is a value-add to the Ramsey team!!

[@babydollkincaid4584]

Dave that was a little harsh the way you spoke to that lady about her living in a trailer home. I know you were trying to get your point across. I felt bad for her it was your tone of voice it was demeaning. I like listening to your show, but this really bothered me. I work in the mental health field. I'm doing well finically.

[@sarahburggraf907]

I thought so too

[@Theassburger]

That's Dave's modus operandi

[@vaska1999]

Yes, that was just ugly.

[@ethanmyles8]

The guy at the 10-minute mark is the difference between passive listening and actually following the baby steps

[@jeffreylong1478]

Mobile homes these days don’t depreciate, they just don’t appreciate as much as regular homes. Dave’s half right

[@saeedhossain6099]

depends on whether the land under it is owned or leased by the mobile home resident. if the homeowner is paying ground rent, the structure is most definitely deprecating.

[@renethumann4871]

What if you own the land

[@saeedhossain6099]

@@renethumann4871 then modular or assembled/manufacturered homes can be a good value, but they are typically limited to what you can have in the design. also site prep is very very very important. finally, if you plan to resell, then it's possible that future buyers will discount your home relative to your neighbors becuse it was manufactured. typically this also means you might not get a basement, if that matters to you. if you don't own the land, then the landlord can cancel your land lease and you have to either abandon the home or arrange to have it moved.

[@personaltrainer1]

George!

[@brookebales2931]

We can’t do cruise in 25’ but will be out of debt and able to in 26’!! Will y’all do again?!? Please say yes!!

[@je11omo]

SAME!!!!!!!!!!!!!!!!!!!!

[@nathanrainey7209]

Please callers, Question first. Then the story.

[@Cardinal15]

They should do that in the NAVY! They really need it.

[@slovesjesus4951]

We had a manufactured home in CA that went up 100k in value

[@motoryzen]

Mobile homes do not go up in value ever. So I'll call Pure BS show me proof otherwise

[@missvipchicago]

🎉 Congratulations for those who have made the sacrifices and have succeeded to baby step 4 enjoy the cruise! 🚢 Recommend you to enjoy a delicious mallorca in San Juan PR 🇵🇷

[@noxproductions6851]

Holland is a decent cruise line but it isnt true luxury, that would be cruise lines like seabourn, ritz carlton, and azamara.

[@user-hj7fr9zr6f]

I’m soo thankful/grateful for Dave Ramsey’s advice!!❤

[@BrianaBudgets]

Denver to Amarillo is crazyyyyy he would HATE IT!

[@alycat9186]

I don’t understand the difference between buying a manufactured home and renting an apartment. At the end of it, you don’t have any equity. As long as the manufactured home was paid for in cash I don’t understand why it would be bad as a SHORT-TERM solution compared to renting if you are in baby steps 1-3. And this is considering you can’t find rent in your budget at the 25% of take-home pay rule. I hadn’t heard that Didn’t know until this episode that Dave didn’t like manufactured homes, so if anyone knows why else besides it going down in value that he doesn’t like it that would be appreciated.

[@motoryzen]

Because chances are that apartment Will Survive a damn tornado a hell of a lot better than you living in a little mobile home or trailer That reason alone is enough of a reason not to live in a mobile home or trailer versus an apartment

[@alycat9186]

@@motoryzenI understand that too. And where live we have tornadoes and it will mess up a regular house too. But if you live in a high cost area and make $30,000 per year and you take home $25,000 you could only afford $531 per month on the 25% rule. Where I live you can’t get a studio apartment for less than $650 and that’s in a really dangerous part of town. I’m not saying it’s ideal to live in one, but my point was that if there are no other options then it makes sense to me. I personally would never live in one. But I was just wondering why Dave says no.

[@Nardaa-ox3be]

@@motoryzen Sacramento is not tornado alley. Apartments are insanely expensive there. If she’s paying way less for it than an apartment would rent, and it’s her only shelter, why does it matter if it loses value? I’m not sure what I’m missing here.

[@motoryzen]

@Nardaa-ox3be I never made a defensive argument involving whether or not once you keep a shelter that loses value. When it comes to shelter and if I'm in a position to where I'm still trying to struggle to pay off debt I don't give a damn if my shelter is losing value or not I'd rather live in something I can afford if that's all you can afford then that's all you can afford. And yes of course the majority of the entire State of California is not worth living in one way or another. One. Non-stop earthquakes non-stop fires and mudslides every time I turn around I'm seeing that on the news and I don't even live there. Thus the reason why insurance rates and probably property taxes are ridiculously Sky High 2. Just about that entire state is flooded with a bunch of idiot illegals and then you got a massive homelessness problem or people are literally sleeping on the streets and shiting right on the streets. It is one big cluster fuk. If I was in anyone's position struggling to make ends meet in California one of the first things I do is save up enough money and move I don't give a damn if it's moved just a few dozen miles east just to get out of that state but I would find a way

[@junaleetajan6928]

❤i wanna be like you Dave,, I'm not well financialy blessed,can i go, from polomolok, Philippines.

[@eazonthru6988]

I think you’re confusing Dave with Mr Beast

[@ronicaleffall637]

I thought Dave says you shouldn’t buy an investment property until your personal mortgage is paid. He keeps saying he’s doing a good job but he has credit card debt, trying to buy brand new, and not enough in his emergency fund. They’re hard on some and soft on others. 🤔

[@sarahburggraf907]

I always listen on you tube reruns...you can ff through the comercials.

[@bettedavis9261]

Same here😊

[@amireallythatgrumpy6508]

And watch at 1.25 speed.

[@sarahburggraf907]

@@amireallythatgrumpy6508 👍

[@shelikes2tweet]

I disagree on the part about the lease. I have a 3-year lease that I paid the entire up front amount for so I have no payments. It's a brand new car and it only cost me about 11,000 in total which includes all of the maintenance and things that tend to cost more on a car as it gets older. I figured that the 5-year mark That's when cars start having issues, so getting a 3-year lease was close to that 5-year Mark when it would start to cost me more than it was worth. I think this is a smart idea because you essentially get a new car for 3 years and don't have to deal with the headache of replacing any expensive Parts if you are able to do like I did and not have it under a monthly payment structure that includes interest. Any thoughts on this?

[@aaronkelly4565]

1:28:45 Millionaire theme hour start

[@nickieburgess6223]

Whoa whoa whoa whoa whoa whoa wait a minute a cruise

[@erin5115]

I realllly want to go!

[@Bostoncrocus]

Great new episodes as they were different from "the usual" high income over-spenders. We are in our 60s and not high wage earners ever but we got out of debt and never were over-spenders. Then the medical bills started and we are back in debt again about 6k. We were curious about buying term life insurance so we called Zander as you suggested. ITS TOO EXPENSIVE. Imagine paying over $250 a month EACH without enough income to do it. There is no term insurance custom made for those like us on a fixed income... but its great for young wealthy couples with children who really should buy it.

[@Theassburger]

Sierra -> Maverick?? 😅

[@Kevin.Grindel]

Remember Dave men that lose there wives especially when the wife did the finances need extra love just like widows and orphans. The man was lost and scared of messing up the money. 😢

[@bonniehalf-elven]

1:33:00 This bit needs to be in a KZbin short video. :)

[@bluedevil0133]

Wendy’s call: “Foot and ankle surgeon” = podiatrist. That’s why he makes $180K. Podiatrist is not an M.D. They don’t go to medical school. They are D.P.M. and go to podiatry school. An orthopedic surgeon who is an M.D. specializing in foot and ankle is a different animal who would make $5-600K+. $320K of debt for a D.P.M. is insanity. Making payments on that, reasonable cost of living and mental health for 4 kids (1 special needs) = all his income. This is going to be a difficult situation…😢

[@JD78CN]

My friend’s dad is a podiatrist and he makes over a million a year.

[@bluedevil0133]

@@JD78CNIt can be done if you have an extremely profitable sales business for orthotics and orthopedic footwear. It’s certainly not the average salary. It’s like the occasional chiropractor who makes a ton of money, but most start around $70-80k and top out in the mid $100s. There are exceptions to every profession. You don’t take out $320K of student loans with the hope of being the rare exception.

[@JD78CN]

@@bluedevil0133 he had his own business and has a few doctors working for him.

[@BurritoMonkey_VR]

@@bluedevil0133 MGMA median compensation for podiatrists who are employed by hospital/MSGs is over $300k. It’s higher than many medical specialties. The problem is when podiatrists work for other podiatrists. That’s where the $120-180k jobs are.

[@JBJB992]

Dave and crew should make it a point to say...only those who can afford the cruise should go...so no one on BS2. Please be responsible with your own choices.

[@cynthiaclark4990]

He did. BS 4 and up.

[@JBJB992]

@@cynthiaclark4990 ah OK. Missed it. Thanks.

[@oneleaftogrow]

The cruise sounds so fun! I hope all of you have a great time. I'm almost done with BS2 and will be done with BS3 next year, so I won't be going on this trip, but it's a great idea!

[@beverlylarsen1961]

Ui P😊 ​@@JBJB992

[@marieh185]

If her trailer payment is less than rent then she's saving money on rent. It was almost like they couldn't get her off the phone fast enough to since she was speaking logically.

[@flea9284]

In my highschool in Utah they had your curriculum but didn't teach everything like don't use credit cards they taught to still have one but have the money next paycheck to pay it off.

[@BryanMaddy]

There is many Interwebz

[@PenguinWaddle93]

What if the manufactured home is on a permanent foundation?

[@motoryzen]

Doesn't matter if a legal entity such as a real professional property assessor sees that it was transferred from one location to the other it is still considered a mobile home under the eyes of the law I personally think it's bullshit to empathize with your side of the deal but that's just me

[@PenguinWaddle93]

@@motoryzen lame

[@motoryzen]

@@PenguinWaddle93 I can't tell if you're calling me lame or what I said lame or if you're calling the situation of the fact that I presented lame. Why not intelligently specify what you mean instead of just a one-word comment If you're calling me lame or if you're calling Lane the fact that I presented that fact then I couldn't care any less and facts don't care about anyone's feelings here. Anything on wheels goes down in value to a certain point

[@PenguinWaddle93]

@@motoryzen Chillax, snowflake. I was saying the situation was lame.

[@joeriveracomedy]

Entire nation? I never missed a check, date or family gathering. Speak for yourself.🇺🇸

[@NKatz]

I would love to be on this show lol

[@jaredhannus517]

Zillow and realtor says my manufactured house is going up in value every month

[@super1234567891011]

I love a millionaire theme hour

[@simduk9621]

I love to drive hoopty… i have 10 of them

[@mike112079]

Tyler (Hoovie) is that you?!

[@TheCookieFranco]

I have 2!

[@antonioiniguez1615]

I love riding bikes. Great bikes are cheaper than bad cars

[@Dumpsterfire88]

Purchased my tickets with a credit card

[@Theassburger]

He won't yell at you if it makes him money 🤣

[@edwardhale2412]

WHAT.........A crisis card

[@motoryzen]

Bs..he will..he has in thr past ​@@Theassburger

[@frederickruderman2997]

LOL 😂 GREAT IDEA !!

[@Theassburger]

This whole crew jumps to conclusions so fast with limited context 😅

[@DeezyDesoto96]

Sounds familiar doesn’t it

[@Nigriff]

Especially John "I can't breathe/are you safe/your husband must be evil" Delony

[@user-ho2cx3wb6s]

The idea that the Ramsey Plan equals Scrooge is not only untrue, it's anti-true. The folks who would say that are not only not listening, but they're obviously not following the plan.

[@homesteadnewbie]

My trailer and property has more than quadrupled in the last 10 years

[@hometowngirl8062]

The woman who called about her trailer, she needs to just stay there and pay it off and be comfortable and then save up money for a home if she wants it. Maybe that’s all she can afford. We need to be grateful for the place God puts us in.

[@vaska1999]

We don't need to be grateful for everything. That's crap. I know it's in the Bible, but I'm not a Bible-idolator. I'm a Christian. Jesus never told anyone to be grateful to have been born poor or for being poor. He never told anyone to be grateful for being lane, blind, mute, or leprous. Be real.

[@je11omo]

AHHHHHHHH We will be finishing up Baby Step 2 in February 2025, so we BARELY miss out on the cruise!!! Maybe 2026? Eh Dave? Will the cruise be available yearly???

[@nizhoniway8019]

I still laugh every time I hear you say F Virus 😂😂

[@BrianErwin]

the car rule is pretty dumb when the car is that cheap. they need to put numbers on that rule, not just a blanket policy that if it's 0 miles, don't do it unless you're worth $1m, even if the car is $10k 😂

[@nikodimopoulos6345]

I’m surprised Dave didn’t really thump Alex from Raleigh

[@markwissman2452]

I find it so ironic that Dave is going to sell a cruise package to people who can't afford it or shouldn't be spending the money on it

[@vaska1999]

I know. That's so hypocritical of him.

[@kathylewis6611]

He said you needed to be Baby step 4 or above

[@edwardhale2412]

Wendy In Arizona just needs to spit out what she wants to say and stay on track. I was getting fed up and had to fast forward past her.

[@mattlaeff724]

at 35:41. He is NOT a medical doctor --- he is a Podiatrist.

[@nowthatsurban]

Yowza Wendy, get your thoughts together.

[@Nigriff]

If "giving like no one else" is so important, perhaps you could ask all the millionaires how they give in their life?😮

[@nicklepickle1587]

🙄🙄🙄 Oh brother. Get outta here.

[@motoryzen]

Whether you consider them evil as a part of the Illuminati or any middle-range part of evil or the few that are good who are worth tens of hundreds of millions of dollars even depending on which range you're looking at the vast majority of them give a hell of a lot more in terms of percentage and dollar amount than the everyday Joe and Jane you and I included who make anywhere between 20,000 to 100,000 a year. That has been a fact for a long time

[@Nardaa-ox3be]

The first employee hired by the manufacturer was an old man in a camper desperate for a job. Now that’s giving like no one else!

[@irenealfaro2195]

Should I reduce my BS4 to 10% to save up for a cash car? Mine is 10 years old and I really want an upgrade.

[@bettedavis9261]

No. BS4 is 15%. If you want a newer car, you need to find money in your budget to save up for it. On the other hand, Dave says personal finance is personal, so go ahead and do whatever the flip you want.

[@loucaribou7765]

Watching George kiss his boss's ass is kind of cringe but I love Dave

[@frederickruderman2997]

The millionaire study is flawed. It’s correct. It was all self reporting correct ? Did you confirm any of the information will only take what People told you? We know folks never lie 😂

[@alexisballard1459]

Who is gonna do the show if yall are all on a 7 day cruise!!!!???????!!!😅

[@MONI-bj1ms]

repeats

[@marshfrazier2677]

I'm available😂

[@erinjones956]

Live feeds from the boat

[@bluebelle9572]

@@marshfrazier2677😊

[@lantzovercash188]

What’s this episode

[@wotintheworld]

Why am I here? That short lied.

[@alycat9186]

Do billionaires have a billion dollars in cash??? Does a billionaire make a billion dollars a year??? NOPE. That congressman is an idiot!!!

[@Nigriff]

The Delony/Dave life ad using shame, guilt, and fear to sell life insurance is cringe 🤪

[@anyagee9467]

No debt free scream?? : (

[@Godismyoath_04]

To the dude saying he may want to move to Amarillo TX as one of his options, we FULL. 😌😂 jk haha (kinda).

[@bekkitilley5112]

I absolutely love this show and Dave Ramsey. However, I do think a cruise is funny because people taking a cruise are already graduated from "Baby Steps". Otherwise, it contradicts the mission.

[@BeeDee-qs9so]

I think he pointed that out. It’s for people who Have accomplished the “mission”…I believe they said BS 4 at least.🎉

[@Kevin.Grindel]

There are alot of complicated things that happen after baby step 3 on the way to building wealth

[@kratostomatoes8587]

Manufactured homes only go down in value? LMAO. I made a 60% profit on mine from 2019 to 2022. Maybe you should re-educate yourself Dave. Manufactured home does not neccesarily mean trailer!

[@jasonaverweg7014]

rhetoric wins elections not facts. that's why a congressman can suggest millionaires mean 7 figure income.

[@loucaribou7765]

Too many ultra high income earners in this episode

[@nicesslinger2412]

He does great things but why hangup on people while there talking? Makes me never want to call in.

[@roryiswilder]

Don't build your credit score!??!. So what's the philosophy on getting a house without enough to buy it for cash and no credit to qualify?

[@Kevin.Grindel]

You use a process call manual under writing to qualify without a credit score

[@Elizabeth_lowkeyluxuries]

Amarillo👎👎👎 go to South Carolina

[@stevena55]

Please don't, we have enough transplants.

[@seanjean9677]

Yall live in a small town. Foot and ankle surgeons make bank!

[@Nigriff]

Aka Podiatrist, not MD

[@seanjean9677]

Yes…I’m an M.D. I’m well aware that a podiatrist is a foot and ankle surgeon. They still make bank.

[@pandafox12]

Dave was acting as if a trailer depreciates the same as a new car. Yes, it's going down and she should sell it, but how much is a 20-year trailer going to depreciate in a year?

[@pejisan]

why the Fauci pandemic?

[@Theassburger]

Dave Ramsey selling tickets to hell on water 🎉

[@austinlutz4016]

So buying a used $110k vehicle would be ok, but a new $27k truck is unreasonable? Come on Dave, I understand the net worth premise, but this is why it’s getting hard to keep watching the show.

[@super1234567891011]

You’re making up a scenario in your own brain. You buy used vehicles that represent no more than 50% of your annual take home pay. There’s a reason why Dave is sitting in a paid for $600M building with a $1B+ net worth & you are a KZbin commenter. 😂

[@austinlutz4016]

@@super1234567891011 yes, I completely understand. The callers household income was $250k. He told him he shouldn’t buy a new truck for $27k. Tell me what I made up?

[@simduk9621]

27k truck is fine as long as you can afford it… 1000 down with zero savings does not make you financial stable to afford it 😂

[@austinlutz4016]

@@super1234567891011 his household income was $250k, he told him not to buy a truck for $27k because it was new, but spending 50% of your income on a used vehicle is ok. What did I make up?

[@MONI-bj1ms]

Depreciation cost on a new truck