If You Don’t Deal With the Core Issue You’ll Always Struggle With Money | April 1, 2024

[@SkylarReactions]

I work remote and absolutely love it. I get to have lunch with my toddler and see my wife more. I don't have to deal with the stress of driving or constant wear and tear of my car. Money is nice but so is time. I get minimum 2.5 more hours with my family and that adds up.

[@kahrhoshe]

My wife was able to wfh for a long time. it was nice to be able to come home to her and give her a hug and a kiss when i got home.

[@lynn.paul.pierre.kdxprod.]

Agree!💯

[@celestegranell8766]

What do you do? Asking for a friend 👀

[@SkylarReactions]

@@celestegranell8766 I'm an operations analyst for the #1 hospital in the world. We have employees in all 50 states.

[@debsmith7460]

My husband working from home has been life changing for our family. He works. And then we eat lunch together. Instead of an evening commute, he and I walk and talk about our days. Instead of "water cooler talk" with colleagues on the way to the bathroom, he touches base with us. His presence is noticed and appreciated.

[@dlahman7]

❤I have learned so much. I finished Baby Step 2 last week. I have 80% of Baby Step Three. ❤❤❤ 4:06

[@Jess-T]

Well done! 👏

[@soapfan2700]

Well done. 👏🏻👏🏻👏🏻👏🏻

[@anthonyyoung6433]

Congratulations. Keep going!

[@sally0404]

Me too! We are on the same timeline. It feels so good! Congratulations!!!

[@ysareyes]

Financial planning is like navigation. If you know where you are and where you want to go, navigation isn't such a great problem. It's when you don't know the two points that it's difficult

[@kabengele-vo4dr]

People dont understand that the prices of things are never going back down. This inflation is deeper than we think. Those buying groceries are well aware that the real inflation is much over 10%. The increments dont match our income, yet certain investors still earn over $365,000 in stocks and assets. Wish I could accomplish that.

[@whitefearlytales]

Very possible! especially at this moment. Profits can be made in many different ways, but such intricate transactions should only be handled by seasoned market professionals.

[@Davidonchik-fv5ke]

Some persons think inves'tin is all about buying stocks; I think going into the stock market without a good experience is a big risk, that's why I'm lucky to have seen someone like mr Brian.

[@ufuksenol2005]

Finding yourself a good broker is as same as finding a good wife, which you go less stress, you get just enough with so much little effort at things

[@PineHosting]

Brian demonstrates an excellent understanding of market trends, making well informed decisions that leads to consistent profit

[@angielo8070]

I'm sick and tired of being sick and tired, i am moving to a two bedroom apartment where I am going to have to sleep in the living room so I can pay off my debt quicker. I can't wait for that day when I make my last payment.

[@TheHappySoso]

You can do it! I'm rooting for you ✨

[@brandigabriella-vs3ez]

I feel ya, that is where I am at. I just downsized for half the mortgage and working 60+hours a week while being an only parent. The thought of ever taking out another loan or more debt makes me physical ill.

[@markdavis2316]

The easiest way to climb a mountain is one step at a time. It is much easier to focus on your next step than at the mountain in front of you. You'll be there in no time and freedom lies at the summit.

[@MarkBray-g6h]

Sears gave me a credit card when I was in high school. Learned my lesson early in life. If you don’t have the cash to buy it you can’t afford it!!! I wish you well in this situation

[@dharr3447]

Spoken Truth - don't go back to school to hide from Real Life!!!!

[@fjr8329]

The more I listen the stronger my faith. Thanks Dave & Ken

[@striperkid]

Listening to this show and hearing about the debt people are in makes me feel rather smart. I'm blown away by the amount of student loans people have and more shocking, their monthly car payments ! My only debt currently is my affordable mortgage which will be paid off soon.

[@fitzychevy]

To the caller with the 2005 buick lesabre with 135,000 miles; I drive a 2003 buick lesabre and it just rolled 180,000 miles. That 3800 series 2 engine is a tank! My previous car was a 1992 pontiac Bonneville (same car as the buick) and it had 250,000 miles and was still kicking strong until I totalled it in an accident. They are easy to work on and maintenance is relatively cheap compared to lots of others that I see at the auto repair shop that I work at.

[@shoaibshakeel8437]

You are truly amazing Dave! Appreciate your advice and your engagement with people; top class and totally honest. It's a breath of fresh air to come across such amazing content which is practically helpful in life. High Five, thanks, and wish you the best keep doing what you're doing!!!

[@binti-mfalme]

Too many conflicts just to get off the 3rd floor - Dave your perspective is Gold 😅

[@TheCookieFranco]

Happy Monday everyone!

[@Needleer]

OTR life isn't for everyone. I miss it so much that I am headed back to go do it next month. I'm also giving up paying $1500/month for an apartment so that I can pay off my debt.

[@tioopuh]

Love the authenticity of Dave and Ken (and all other hosts)

[@kateedwards372]

Meanwhile I am listening to this podcast while on a walk in this beautiful weather while getting paid a salary to work remote job and my boss 100% knows what I am doing and supports our whole team to do the same. I am paid to do my job well, not for how many hours I sit in a chair. 😂 Know your worth, do your job well, and find an employer who values not only your work, but you as a human.🤷‍♀️

[@loucaribou7765]

So you get paid to do nothing that's cool

[@Dollface98]

@@loucaribou7765it’s like you didn’t read anything she said

[@aeconiglio]

Just a note about Earthquake Insurance in California: CEA is the "state" option that Dave mentioned. It's an Insurance Pool, similar to the CA FAIR Plan. It's a financially safe option, and quite inexpensive ($125 to $400 per year down here in San Diego county). Geovera will also write EQ in CA and the rates are fantastic and the coverage is customizable.

[@LA_Confidential1]

Appreciate the insight. I feel so confused about CA earthquake insurance. Will look into this. Thank you

[@aeconiglio]

@loctown7775 My pleasure! If you have a good Broker, call and ask questions. If you don't, shop around for a Broker who is responsive and trustworthy.

[@petitemaam]

I get the extended warranty on my cars. I aaaalways have bad luck. My previous car had transmission problems and turned Into a paperweight at 50k miles. My current car had the same transmission problems, different car type. My extended warranty covered a brand new transmission. No regrets.

[@a_1cincy817]

Turbo Tax never sold me a credit card😂. Paying for software, paying for the fee to send off for processing YES they do.

[@TheBrittbrat2341]

Grace isn't going to do what Dave says, not sure why she called.

[@TheSharna23]

Exactly. She likes being able to say she owns a rental property. Smh

[@10nurse29]

Love Rachel’s book!! ❤ I’m so glad it’s a series!!❤❤

[@nicolepalacios2242]

You are absolutely losing something by not working remotely. Time! An extra hour or two with your children makes a huge difference to them, especially when they're young and going to bed early.

[@alycat9186]

Totally agree! A lot of people in my city commute 45 minutes to an hour away. My husband works 8 minutes (6 mins if we get all green lights) from our home and it really does make a difference not having to leave an hour earlier every morning and coming home an hour later. We get a lot more family time in the morning and evenings 🥰 People gasp at our rent, but we enjoy our quality time. He also works a second job from home so it allows him to get more time out of his evening to make more money. So we get best of both worlds 🥰

[@loucaribou7765]

Working from home is a scam it gave people and unrealistic view of what work should be. Hopefully it goes away soon

[@kellydfunk]

​@@loucaribou7765you know not of what you speak

[@hollystiener16]

It doesn't matter, it is worth $135k/year and room for lots of raises.

[@bookwormbon482]

Is there a new anniversary edition of a ramsey book coming out this month? I think I remember it being mentioned previously

[@TheCookieFranco]

Yes, they’re updating it. It should be out soon, but I don’t remember when he said it would be out.

[@thebestthingthatneverhappe6729]

Grace, I really hope you don't waste more on that house, 2 years and $86,400 in mortgage payments with only a small portion going to your actual principle, not counting repair costs... would have been 90k if u simply threw it in a HYSA each month, and u would have saved even more while living with your mom

[@thebestthingthatneverhappe6729]

your wealth building tool is your great income at 96k not your 1 rental that receives no rent

[@motoryzen]

51:35 I have heard that Christian Healthcare Ministries Insurance ordeal does not cover pre-existing conditions. But beyond that I don't have room to talk until I dive in and investigate myself and I recommend you all do the same thing first

[@pamsmith1665]

These are not a good idea. Its not health insurance. It's like a pyramid. You pay in to cover other peoples cost but no guarantee that you will have a " covered medical event" Run!

[@SteelixtheSteelersfan]

New to your channel and was recommended by my co worker. Im 30 and im not in debt but i also waited so long to get my life together so i was wondering if their is anyways to really tell if my investments are actually worth investing more into. So far ive got 1 grand into a boot company and ive made back twice as much in a year nothing crazy and one other thing thats more personal but it pays the bills with my job and my wife's job but we are still struggling this advice you give people resonated in my ear so I'm gonna be tuning in more often

[@brookelondon8029]

Dave does not recommend investing in single stocks. Too much risk. Listen to his advice on the four types of mutual funds, put 15% of your income spread across the four types after you're out of debt and you will be great!

[@SteelixtheSteelersfan]

@@brookelondon8029 yeah I've realized it's pointless I'm gonna work with one of his advisors I think and try something new I'm just ready to be comfortable

[@warrenranstrom4462]

Dave - spits out priceless knowledge time and time again Ken Coleman- “ that’s right” “ that’s right”

[@OopThereItIs77777]

Ken has priceless knowledge as well.

[@jeffrobnc1971]

26:00 "if I'm a truck driver...behind the wheel, I would be making phone calls" SAFETY FIRST!!!

[@lexide9432]

my guy. it's not 1988. nearly all drivers are using cb radios and headsets and are on the phone or in communication the entire time they are behind the wheel. 😂

[@oggyoggy1299]

You don’t take/make phone calls in your car???

[@pamsmith1665]

Would or wouldn't?

[@Scrivywife]

Dave was pretty intense today, I don’t think the last guy was able to communicate what he was trying to say & yall kept cutting him off.

[@motoryzen]

1:08:00 to 1:08:20 actually YES ..Dave.. if the reason is doing something will save you money that is an economic reason to do it so yes it is an economic reason

[@nicklauscepeda802]

Careful Dave, don't push your repeat customers away, calling them out, you knew what I was going say,

[@pandafox12]

Having a rental property sit vacant for 2 years absolutely destroys IRR.

[@striperkid]

Yup, she made a big mistake. Hopefully for her, she can sell and recoup her losses.

[@OopThereItIs77777]

Heather is all up in her in-law’s business and I just KNOW they don’t really like her. She is all up in the kool-aid and doesn’t even know the flavor. Girl, they’re doing fine. They’re worth over 2mil!

[@mattlaeff724]

100%. She needs to Butt-out

[@redcoff]

I get the vibe that Heather wants to buy a big multigenerational home and wants to get her in-laws to pitch in for "their" sake.

[@karenclark8374]

She doesn’t want the in-laws to spend her future inheritance

[@brookelondon8029]

She's worried that they're going to either blow that money or give the money to charity and it's not going all to them. Because of my age, which is over 70, and my health is good, the last thing I want to be in is a multigenerational house after I lived happily with my husband for 50 years and someone telling me where to invest. Contrary to popular belief, many people my age know what podcasts are, are aware of all the grandparent scams, and if our worth is over $1 million, it's pretty obvious that we're not as dumb as you think. And by the way, don't ask me what I'm going to do with X, Y or Z, after I'm gone. It's none of your business. If I want to know if you want something, I will ask, which I plan to do and I'll give the list to my executor. Otherwise, don't look longingly at piece of lead crystal I bought at a thrift shop, trying to figure out what you could get if you sold it on eBay. We are planning to do a reading of the wills and you will know who's getting what and which charities were funding and since you are all doing well, which we're happy about, you'll get enough to go on a nice vacation and the rest will go to charities and scholarships.

[@mattlaeff724]

@@brookelondon8029 Spot-on

[@BBOlive]

Omg 😂😂😂😂 that lady from California with her brother and the moms home....best crack up response!! Crazyfornia never fails! 😂😂😂

[@mmp495]

So true 😅

[@mattlaeff724]

To The daughter in-law that called: Butt Out. You sound only interested in the money your Husband's parents have.

[@brookelondon8029]

I agree. And if she's not careful, she and her husband will not be in the will. If you're worth $2 million and your kids think you need or want their advice, they're showing you how little they think of your intelligence.

[@mattlaeff724]

@@brookelondon8029 - Precisely

[@hollystiener16]

I don't think so. They are doing fine on their own. I think she is a planner and a worry wart.

[@normantheforeman9866]

Last dude, don’t take the job for money. There’s always a catch. If a different company is willing to snag you on a job, you’ll be able to get a different job no prob

[@hollystiener16]

A $135k snag? I think it is legit and hopefully he took the job!

[@genliz4074]

I about cringed when the woman was told her career in medical coding was weak. We have alot of low paying service jobs as is, or "entry level jobs". Yes, the medical system is absurd here, but someone who has become proficient at coding and is paid decent for their field shouldn't struggle so much when combined with another income. We have to have them. Not my field, but i have a friend who can do as much work as 2 or 3 people, is exceptionally good at it, and her pay was considered very well. They bought after the recession almost 15 years ago, but if that wasn't the case, they would probably be tryng to figure out how to afford the median 400,000 homes now.

[@BlahDeDah7]

3600 a month on a 95,000 pay grade. Geesh.

[@RadiUzunova]

"It's great work 10-12 hours a day, 60 hrs week! "You will make a great example for you newborn and 2 years :D Only in USA!

[@amireallythatgrumpy6508]

And the rest of the western world. The USA is nowhere near as special as it claims to be.

[@amireallythatgrumpy6508]

Um no. It is done the world over. @@ThePolypam

[@lexide9432]

Sometimes I read a comment so stupid that I actually reply and lose some of my IQ.

[@oggyoggy1299]

Only in many, many other counties too.

[@hollystiener16]

@@lexide9432 hahahah

[@figaro4634]

Could someone please tell me what she says on minute 56. Oh well here in california is how people ....... the law, does she say break the law?

[@jeffrobnc1971]

multi-tasking at its best; 25:59 drivin' and callin'

[@JustMeMaddieG]

Please let people speak. I love this show and Dave, but he constantly interrupts the callers and doesn’t let them speak. 😢 Be kind Sir! You would not have a show without the callers. We love you, so please stop yelling at us! 🙏🏼 With love. 😘

[@Trustbutverify2651]

Obviously he has figured out how to answer callers or his business would have folded long ago. Many like his "tough love" approach and the nation is falling apart right now due to answering everyone's "feelings." This is not the place to go for kind - there are other shows for that. This is the place to go to get a kick in the pants to get yourself out of debt and on a sound financial footing.

[@LindseyHarvell-vc4ez]

He NEEDS to interrupt them. He asks simple questions like “what’s your income?” And a caller will be like “well I moved from Austin texas a year ago so I had to get a new job then my mom moved in and she contributes a litttle then my dog died…” Dave ..”WHATS YOUR INCOME?” If Dave didn’t interrupt his show wouldn’t be within time frame, would be a rambling mess and the callers wouldn’t even get an answer.

[@Trustbutverify2651]

@@LindseyHarvell-vc4ez 100%. People who comment here often forget the format of this show is a RADIO show with limited time for both questions and answers and specific hard breaks for commercials. The radio show is 3 hours, and that is reduced down to 2 hours for the KZbin version which takes out the commercials except for those promoting RS products and their individual sponsors. Folks who listen and call in should KNOW in advance their targeted situation, the income, their debts, mortgage amount, etc. b/c they know that is what they are going to be asked. One of the reasons the callers give so much detail is they think their "personal situation" will make a difference on how to tackle their debt. It won't. Debt is still debt and it still takes conscientious discipline to attack it.

[@stellabella5269]

​@@LindseyHarvell-vc4ez Exactly! 🤣🤣🤣🤣

[@TheSharna23]

@@LindseyHarvell-vc4ezYUP!!! Everyone wants their details understood because it’s what they use to justify their financial mess. Dave has to cut through all of that and get to the point because he has a time limit.

[@vickieg8791]

I think the older couple that the children wanted to line them up to live with them were first of all in shock that it was a concern. I would not be answering that off the cuff either.

[@OopThereItIs77777]

Right??? Why is she all up in their business

[@Nigriff]

Best Duo!! 🎉

[@Nigriff]

Great synergy

[@MindyArnett-qq9sr]

I love these guys. But if I didn't pay to go to college I would still be making 12.00 and hour. I chucked and paid off student loans in about 1 year. Student loans and college changed my life. Where I live women can't go out and make a career without college. Unless you want to live in a factory.

[@KJ-wf1xz]

I thought Dave does not like life insurance? How come he is advertise for life insurance at 30:00

[@Stephanie.2]

He does not like whole life insurance. He highly recommends term life insurance

[@OopThereItIs77777]

Dave endorses & supports TERM life insurance. He loves life insurance

[@mgmwinz7791]

No wonder the rates are higher when Dave’s not on.

[@kellymackie4836]

19:41- “you didn’t like what I said”? No Dave- how do you know that? I’m on board with you being direct but don’t tell ppl how they feel.

[@yostevedotcom]

Actually, I leased a Subaru for $199 a month, bought it after lease. And could've sold it for what I paid, but we did have a global pandemic. Never say never

[@OopThereItIs77777]

There are exceptions to every rule. Welcome to Earth

[@normantheforeman9866]

Subarus are great. Bought an old one for a summer with 320k miles, worked fine, still sold it for $800

[@OopThereItIs77777]

Welcome to Earth. Exceptions to every rule

[@olivias2836]

@@normantheforeman9866they definitely retain their value well. I used to drive an old Outback sport and I put over 100k miles on it and was still able to sell it for 500$ more than I bought it for

[@mike112079]

Dave is not impressed!! Lol

[@disco4535]

Ken is such a gobber lol. His voice cracks me up

[@joeriveracomedy]

2x this week: wife can't work, doesn't want husband to invest. Wants money now.

[@Athenasavoie1]

How do I preorder the book to get all that stuff with it ?

[@motoryzen]

1:30 to 1:53 a mortgage is technically a debt .Youre not febt free .

[@OopThereItIs77777]

Even Dave says DEBT FREE EXCEPT THE MORTGAGE. Hush

[@motoryzen]

33:55 to 34:10 dude 135,000 Mi on a car discount sounds like one of those too lazy to change his own engine oil wussies 34:45 to 34:57 yeap Golfer...enough said...a hobby a game that takes up WAAAAY to much space most often played by a snooty elitists who most often haven't a clue enough getting their hands dirty And given the rest of the information this color provided about his dimwit fiance, yeah he's going to need a prenup. Because she will end up taking him for everything she has excuse me he has. This guy is clueless and needs to dump her now

[@motoryzen]

45:18 to 45:55 um YES..in that you specify what stays yours no matter what and hers no matter what ..duh. Otherwise if y'all ever divorce she can legally rape your wallet in family and divorce court. In fact it happens virtually all the time over 80% of all divorces are instigated by the female and about 90% of the time the female wins. Big Damn hit that prenup is meant to protect your a ss

[@motoryzen]

49:00 to 50:22 bs dave.. 49:06 because she can pretend to listen All She Wants in these pre-marriage counseling meetings involving proper monetary management but in the end you cannot turn a whore into a housewife. I know I tried for 6 years with an idiot named Scarlett and in the end she still chose to do what she wanted and it didn't matter who she hurt when she hurt him or how many guys she hurt in the same way which has been actually all of them since guaranteed 1998 Her actions within 90 days usually tell you what kind of person she is and what kind of person she will always be and caller needs to realize this and so does Dave Ramsey Prenup enforces ...by law..certain things specified in thr prenup agreement...she can choose to ignore all that meontary management talk... Within the first 90 days a female will show you who she is and who she will always be when it comes to terms of monetary management or whether or not she is a little dime a dozen horror or princess or if she's actually a good woman who understands fairness and balance in many ways as it should be to prove that she is a real woman and not just some dumb a dozen twat. If she hasn't shown you within 90 days that she is a good woman she will never be a good woman and you are wasting your money and time and time is something you never get back so don't waste it on some dime a dozen twat

[@Trustbutverify2651]

That's true, but the difference is that it's a debt that is tied to an appreciating asset which puts a mortgage in another category.

[@NaturalWifeyandMamaBear]

“Well here in California, it’s just kinda how people are” haha 😂 yup.

[@chasesandler456]

Tried calling into the show but I never get an answer. :(

[@dennis.teevee]

got a headache from that last call 💩🤦☠️🤦‍♂️💀

[@hustlerhabits7224]

Thank you

[@johnmitchell2741]

Its called going into the drop

[@kellydfunk]

At my co all the bigwigs are remote out of towners. This advice is out of touch since ramsey doesn't do remote.

[@motoryzen]

55:40 to 55:55 thata two flights of stairs...e flith of stairs would mean you are living on 4th floor 1st flight of stairs from 1st floor to 2nd...the another flight deom 2nd to 3rd

[@dlahman7]

Thanks!

[@pamsmith1665]

Susan the pharmacist should be a traffic cop with the way she waves her hands around.

[@striperkid]

I never realized how many people out there are anchored down with "student debt". Sounds like a 2-1 ratio of people who carry around student debt. I bet 90% of people in this Country who have a SS number also have credit card debt !

[@mr.trammell6399]

Get da prenup don’t give her a dime

[@rosedewittbukater5763]

or just don't marry someone who isn't marriageable

[@mr.trammell6399]

@@rosedewittbukater5763 I agree 100%

[@striperkid]

She's 11 years younger than him.....of course she's a Princess !! NEVER EVER marry a princess because you'll be paying for that for the rest of your life !! At the end of the day, the cost, aggravation, stress, and BS you have to go through to keep her happy just isn't worth it. Go find yourself a real woman.

[@30fery94]

🤣🤣🤣🤣🤣I look like a sun flower 🌸 sitting here🤣🤣🤣

[@bonniehalf-elven]

I imagine the baldness scripture was for people concerned with leprosy, which would make them unclean.

[@hollystiener16]

good point! i was trying to figure out its purpose

[@MsValiG]

Poor guy with the future fiance, I would not do it. There are plenty of single women that can take care of themselves and make good decisions with money. Also those women are not looking for an easy way out

[@striperkid]

He want's that because, she's 11 years younger than him (arm candy) and she's a gold digger. They are perfect for each other.

[@hollystiener16]

@@striperkid Exceot he is smart and will hopefully get a prenup

[@barrybison9141]

this is great

[@johangronqvist2514]

Let him talk!!

[@motoryzen]

What who talk? Are you talking about the colors are you talking about King coleman? Specify Details Matter timestamps if needs to be it's not rocket science

[@johangronqvist2514]

#1:56:07 Andrew.

1:05:32 OMG this lady losing 2 years worth of rent, she has no idea how much money she would have now if she had just put all of that money in S&P500 or something instead. I’m just as bad as her in the real estate market, and that’s why I am not in the real estate market.

[@Nigriff]

Couple working 5 jobs and can't pay bills. Inflation is out of control.

[@OopThereItIs77777]

…if you’re debt free…it is 100% doable. We don’t even make 100k and are doing more than fine. But we also have no debt. Inflation is an excuse. Make the money. Get out of debt and you will be fine.

[@motoryzen]

While I technically agree and Ron Paul has already pointed out the problem with hyperinflation decades ago warning people that it was coming, this is not a problem of not enough money being made for these two for these couple it has a problem of budgeting

[@pamsmith1665]

No, They have low priority jobs. THAT is the problem

[@thekmtcpro]

​@OopThereItIs77777 agreed. I literally googled how to beat inflation last year. The answer was get out of debt. Been paying stuff off. Not debt free yet, but we don't feel inflation nearly as much.

[@brookelondon8029]

I'm with you. And my way of saving at the grocery store is to stock up one non-perishables whenever they're on sale, use the really cheap paper towels when I don't need Bounty for cleaning, don't biy junk food or go to fast food places, only use a tablespoon of laundry detergent in my old washing machine because my clothing isn't really dirty, or go out to eat. All my clothing comes from one of the discount stores, and I literally have only bought three items in the past two years because I have enough. No Mani- pedis - I can do that myself in five minutes - and I color my own hair. I am sure everybody reading this is agreeing with all these ideas. Congratulations on your determination to get out of debt, it feels better than you can ever imagine!

[@emalienoel7891]

I audibly laughed at the scripture and quote. Thank you 😂😂

[@ginnyf5931]

He's losing commute time

[@tomiasthexder7673]

“We’re debt free” then they go on and Explain they have a mortgage…

[@lexide9432]

debt free in lamen terms doesn't include a mortgage. common knowledge. Tfw you try to sound smart but highlight your lack of common sense.😂😂😂😂😂

[@tomiasthexder7673]

@@lexide9432 so having a debt on your house is debt free. Common knowledge must be why the common person is an idiot with debts?

[@samlamendola]

@@tomiasthexder7673what a karen comment and reply… When people say they are debt free LOTS of times a mortgage is not included in so called “frivolous debts”… Don’t be such a smartass buddy🤠🤠🤠🤠

[@lexide9432]

​@tomiasthexder7673 Idk what to tell you. When people are speaking of debts they aren't talking about mortgage and utilities. Yes technically a mortgage is a debt you owe to the bank but when speaking of debts what they are commonly referring to is car loans, student loans, heloc, credit cards and personal loans. If your only monthly bills are a mortgage you are considered debt free.

[@lexide9432]

Also if you think the common person having a mortgage makes them an idiot i have a place you can rent. 😂😂😂​

[@LindseyHarvell-vc4ez]

That called Andrew is about to get eaten alive! Dave doesn’t let ANYONE remote work. 👩‍💻

[@a_1cincy817]

Delay pleasure to win..... 😅

[@loucaribou7765]

Work from home is such a joke

[@andrewmcrorie3096]

yep knock that old crusty and dusty college off of ya then maybe you'll be worth something

[@tlberg7231]

Encouraging a truck driver to text and make calls while they are driving??? Seriously?? When people are driving a mini cooper, let alone a semi, they need to be paying attention to the road and what they are doing! This was VERY bad advice!!

[@Truth69322]

you think that's bad I watch KZbin going down the road lol

[@mellowbirddreamer77]

You're twisting Ken's words.

[@tlberg7231]

@@mellowbirddreamer77 How so?

[@thomasvlek1390]

Listen Dave!! 1:55 Baldness chooses you, you don't choose baldness

[@amireallythatgrumpy6508]

Can go either way.

[@jrid1118]

these nest egg predictions are kinda rich. "if you invest 2 dollars today it will be worth 45 millions dollars in 12 years.

[@Sylancewillfall]

For the algorithm

[@zactyson4965]

i dont love seeing them read a script while trying to sell me zander life insurance. seems like a sales pitch watching you read it and not knowing and believing it like the rest of the show.

[@zactyson4965]

clean it up, your top 5 podcast, but a lot watch yas as well

[@Trustbutverify2651]

I have Zander for identity theft protection. But, warning: I tried to upgrade to use their entire suite, which included their virus protection. When I did so, it interfered with the virus protection I already had on my computer and crashed my computer completely. I use a service which updates all our computers and devices nightly and also has the virus protection on all of them. When I had the trouble with Zander virus knocking everything out, it was a MESS and cost me $200 to get everything back to normal. So - if you are going to use the virus protection that Zander has, be sure it won't interfere with something you already have.

[@PaulAFleck-sm6vy]

I called Zander Insurance for a 600k 20-year term policy, and they were about $200.00 a month more than Select Quote. I would suggest calling both companies to compare apples to apples on your insurance needs.

[@debsmith7460]

I believe it is a sales pitch.

[@celiamcfadden6335]

That prenup call was crazy. We had no idea, maybe she was a wonderful girl and he would be lucky to have her. Just because she has a car payment she’s a gold digger? He was so in love with his 1.7 including his house, it sounded like he didn’t even love her. Well maybe just let him live there alone. I think maybe she’s the one who should run…. You’re supposed to marry him have his kids and he’s not even happy to share with you ick

[@Truth69322]

sorry but it's me protecting what I bring to the table so if she wants to try to take it she gets left on the street lmao

[@hollystiener16]

He sees red flags, as did Dave. He is smart and protecting himself.

[@catherinewetzel417]

56:42 😂 🎉 She’s not wrong.

[@Trustbutverify2651]

Hey, Ken - you're on VIDEO. Check the back of your hair. 🤣

[@kimberlyfranckowiak7052]

Dental Staff desperately need. Aspen Dental Gaylord, Michigan

[@catherineskis]

Hey do you know the Cherwinskis?

[@skatardrummer1]

To far for me. Have to be able to watch after my folks. But out of curiosity though for everyone, what's the wage range you're paying billing and coding staff

[@sarahburggraf907]

Joe Rogan an idol?🤔 yeah no.

[@OopThereItIs77777]

Yep. He is. Leave the podcast because clearly you belong with CNN

[@motoryzen]

We get it Joe Rogan calls out the BS that you choose to be involved in or keep perpetuating and somewhere deep inside you know it's true and you choose to take offense that instead of wising up and stop doing the same stupid things you've always done that make no sense.

[@joeriveracomedy]

Joe Rogan thinks salt pools exist. What a yayhoo!

[@rosedewittbukater5763]

Jasper was by far the most annoying caller in here today.

[@rosedewittbukater5763]

and he's from Portland, of course 😂

[@AdamS-t3w]

No, what is annoying is the hosts making false assumptions about the caller and then cutting caller off until the ad music starts which is exactly what he did. Tacky and disrespectful.

[@NaturalWifeyandMamaBear]

⭐️⭐️⭐️⭐️⭐️

[@AdamS-t3w]

An 18% increase in rent is an extra $300 for the average apartment in the US. That isn't a lot of money for millionaires like Dave, but for the average person on a budget it's a lot. Once again this boomer is completely out of touch with reality.

[@lexide9432]

Once again? sounds like you watch the show quite a bit. if you watch the show more than once it's because you know he is right. yet I'm assuming you was raised to be entitled and don't think you should have to start from the bottom cause it's not fair. Grow up. I grew up on food stamps in a trailer park and I made it out so i know you can too. And you also know you can that's why you are here, so stop lying to yourself and making excuses.

[@AdamS-t3w]

@@lexide9432Throwing around baseless assumptions is not an argument. An 18% rent increase is huge. The average pay increase each year is around 4%. It's basic math. Your anecdotal story doesn't trump facts and math. Perhaps you're the one that needs to grow up.

[@oggyoggy1299]

You and people like you, will always find someone else to blame. A perpetual victim who is being held down by some dark overlord. How about you look at your own actions? You may well discover why you’re a bottom-feeder.

[@motoryzen]

​@@AdamS-t3wit isn't just rent that's going up between 10 and 20% not notice food and overall fuel has also

[@skatardrummer1]

Well I followed up with the DR reddit community and was able to go through everything. It was helpful since I was able to give the full detail and thought process. I still sent Dave and Ken a thank you, but assumptions were made in a short time and it was cut off. That's showbiz I guess? They can't spend all day with everyone to deep dive. I definitely didn't care about what he said. Having not enough money to cover things is a symptom of many problems. But 18% rent increase is not the only increase and I don't really think that's something to dismiss. Everything else has gone up too. It's difficult to keep up. We've both researched a lot in our area and we both have 2 degrees. It's nearly impossible to get higher pay here without more education. We have looked a lot the last 3 years because my husband has applied to new jobs and I look at the market. And we cant relocate right now obviously. Have to adjust and do what we can. I DO NOT want to stay forever and I hate living in a basement. Plenty of motivation. Part is changing habits, but unfortunately not everything is going to be solveable through changing jobs and eating the rice and beans right now. We haven't been able to increase income enough to save enough or tackle debt, and we can't cut the costs any more than we have. This might be the blessing we need to help them and to also get in a debt free place in 3 years...minus student loans

[@tomhocutt2013]

You should he making 6 figures starting no letter where you are

[@motoryzen]

Your comment made no sense as you didn't put any time stamps and even still you may want to check the grammar of it and explain what you're talking about exactly

[@OopThereItIs77777]

@@motoryzenyours was a horrendous run on sentence…so, let’s calm down a little bit on policing the comments and slamming people’s grammatical choices. Thanks

[@skatardrummer1]

Like....per person or couple???? We are neither so genuinely asking what people think is supposed to be normal.