If You Follow the Proven Plan, This Stuff WORKS | December 4, 2023

[@Trustbutverify2651]

Love it when Ken says, "Wait a minute..." He is such an acute listener and always picks up on the details. Excellent on this show!

[@smokeandmirrors-pk6ic]

Ken is best when he wears the buffalo flannels

[@WilsonMarky7]

He’s a cute listener? Some ones in love❤

[@Trustbutverify2651]

@@WilsonMarky7 Apparently you don't know the word acute (which is completely different from a cute.) And, yes, I'm in love - with my husband of 52 years! Ken's much younger than my children!

[@DonaldMillerElectric]

Ramsey changed my life back in 2012 and the last 10 years have been amazing. Thank you Dave

[@lovesmitten34]

I’ve learned sooooo much from watching this show! I binge watch all the time!

[@sarahburggraf907]

I listen while i shower for work. Gets me motivated❤

[@gospelgardensandtunes4109]

I listen and watch almost daily because I love learning new wisdom regarding finances and life. We are financially stable thanks to the Biblical and Ramsical teachings. Baby steps 4,5,6.

[@alqoshgirl]

I’m very much for moms staying home. I’m one myself with a 5th on the way. But my goodness. How do you spend this much monthly with just 1 kid and a sahm (usually that reduces monthly costs by a lot).

[@JogieLyssAdventures]

Ken did the best promo for George's new book by far @ 1:43.

[@tonyandjackieholmes9546]

Love these boys on together - Coleman is a gem of a presenter

[@BeeDee-qs9so]

He truly is.Agree completely.👍

[@Baron2888]

Listen, I get the stay at home wanna be wife. But by gosh, if your husband or mate is struggling financially, get off of your butts and do something to help besides sitting there sucking up air. Even if it's a few hours of work a week doing something to help pay a few bills, purchase groceries etc. That helps

[@Truckerdaddy]

I agree

[@gretalukoseviciute2058]

Or save… I guess she could at least take care of the home economics…

[@Truckerdaddy]

@gretalukoseviciute2058 my wife made crochet blankets in her down time when our kids were little and napped alot. Theres also remote jobs that are part time that she could do for a few hours a day to make a couple hundred dollars a week.

[@billbill5900]

15k per month on expenses??? In what world lol. Wow. This dude needed to be humbled. That's nuts.

[@roxannestaton6258]

Ken and George are my favorite!! I love Rachel but she is in a class all her own…❤

[@joselunarealtor]

Yes . This 2 reach deep. Just like Dave do.

[@FLaSHFReeeZ]

This must be Rachel's burner account 😂

[@violetkendrick6357]

I love these 2 because they listen and let the caller tell their whole story….

[@bonniebarkley5176]

Thanks!

[@velveder2]

Ken is offering solid advice.

[@DaveDepilot-KFRG]

16:20 slow learners.... thye consolidated 60k credit card debt into a loan just to rack up 40k new CC debt.... making almost 200k...😟😟

[@malissakirby4193]

I left 🇨🇦. Tired of going hungry and lousy health care in Kingston, Ontario. If you don't make $150,000 forget about it!

[@NaturalWifeyandMamaBear]

Love George and Ken! Thanks for the laughs.

[@reneeantwi-boasiako3974]

Great calls today!

[@alexpanganay4920]

Excellent show. Love it!

[@mmp495]

Super duo. ❤ ✨️

[@ZimpleLife]

😅😅 Ken you’re the best!! Wait a second..what happened to the person who didn’t want to work for someone else 😂❤

[@darrenhabecker6948]

Great show! Ken, I love the advice and follow everything you say exactly.... but can I 'move' now?

[@elizabethlewis697]

favorites !😊

[@loripiziali4219]

I feel like that stay at home wife ain't gonna work.

[@mariaderoos9464]

Wish we could get the budgeting app in Canada!! Would be a game changer instead of writing it all out 🎉

[@Trustbutverify2651]

An Excel sheet can work just as well - it's how they set up the Every Dollar that works so well, and you can duplicate most of that on Excel. But that's just for the basic version - obviously Excel does not have all the premium features.

[@cherylknight8239]

Fantastic show !!!🎉

[@thekmtcpro]

Dude was making $190k/yr and no savings with a ton of debt. Sheesh.

[@elchapojr6219]

Spending money like he doesn’t care it’s crazy some people have it all and yet there broke

[@elchapojr6219]

190k man I would been a millionaire in less than 2 years

[@frederickruderman2997]

Ken’s the best !!

[@ghostriley1855]

That Simone girl from Baltimore is gonna blow all these money. Hopefully I'm wrong.

[@asoggyburger479]

I had the same feeling, unfortunate if she does. She could change her tree for sure!

[@mohammedal-nufal7964]

01:01:00 name of the beat?

[@Nigriff]

Sonya's call was for her own self gratification to prove a point and to brag about the money. Her confidence did not once mention her "Giving Generously".

[@bananaberrywis.1697]

What would it be like to have 3 million dollars?

[@debbykidd9813]

You cannot pause TN Promise. They will take it away. But, you can lower the number of hours to their minimum. Been there, done that!

[@Beginningtopeak]

Give me George and Rachel every day

[@ColtsFan639]

My private student loan, is through a Credit Union, and it will not make a payment from any account not at the credit union. They do the same thing for car loans.

[@gourabsarker9552]

Sir how much do you earn? Plz reply. Thanks a lot.

[@jessicahalvorsen9315]

Kens wearing one of Christy Wright’s old jackets

[@lordBeerus467]

Why would you sell a paid off rental to just pay down on the morgage. If it was going to pay it off then okay but you can use the income to pay down on the house morgage until it's in range of the full pay off amount.

[@kylecRVP]

Are you going to have the Breaking Free From Broke in and audiobook format?

[@GeorgeKamel]

Yes! You get it for free when you preorder the book from our website!

[@sXePunkV2]

@@GeorgeKamel Can we pre order from outside the US? I'm in Scotland 🏴󠁧󠁢󠁳󠁣󠁴󠁿

[@GeorgeKamel]

@@sXePunkV2 yes! Contact our Ramsey Concierge team on our site and they can help with international shipping. Thanks for the support!

[@Joce123]

3 million dollars x 5.6 % = $168,000 interest annually..plenty of money per month for living..Why Korea?

[@auburnanger6679]

Man, this wife needs to get a job for a time.. How was the money not managed with 190?

[@lilzsac]

To Sonya I agree with your husband. You make enough money to keep the rental and quickly pay off your mortgage

[@annapatton4544]

How do you make 190k a year and have so much debt? Especially credit cards??? I will never understand. We make less than than and never had credit card debts, living within our means and buying what we can afford. In 7 years we saved 50k for the downpayment when my husband was making 40-55k and I was home with our kid. When we bought the house and the kid went to school, I went to work (the house turned out to be more expensive to have, just the utilities; and 3 months after the home purchase our glass stove top cracked, we bought one on craigslist). At first we only had one old car and kept doing switcheroos till we saved to buy another car, then we saved to upgrade the old one. People just keep making bad decisions. I have a coworker who makes as much as me and he keeps complaining to never have money, but his 18 month old wears nike shoes. My kid was wearing great value shoes at that age.

[@oregoncoastmama3004]

Losing a loved one DOES NOT feel the same as losing a job. Give me a break! I've lost a job, and I've lost 2 siblings it does not feel the same. I would rather lose my job monthly then go through that pain ever!!! I dread the day I lose my parents, I wonder if Ken has actually really had to grieve the loss of someone he's truly loved?

[@oregoncoastmama3004]

I have to add I do love Ken but this thought I can't imagine being accurate.

[@callmecordelia7181]

He is quoting studies about the stress of a job loss, not the same as grief. I don’t think he means any disrespect to anyone who has lost a loved one

[@thebestthingthatneverhappe6729]

yea Dr. John has referenced the same studies

[@Joce123]

It is heartbreaking that you had such painful.losses .A job can be replaced. It is temporary. Death is permanent.

[@karenpederson1735]

There is nothing compared to death of a loved one. Nothing. The devastating grief of a loved one is so deep and has layers upon layers being triggered many times in the future, future dreams of a child marrying, having kids... etc. Having their friends get married and have kids , wishing and having dreamt of your child being there has got to be tortorous. The grief and horrendous pain going through a child/ young adult having cancer and not making it is just beyond any job loss. Even though I know we are not without hope, as our hope is in Jesus, humanly the grief is so great.

[@sarahburggraf907]

"Hubs"....❤😂

[@theclothingcottage]

Losing a job is not as hard as losing a loved one.

[@LocalPrintSolutions]

Right? Maybe a breakup or something. Getting fired is not in the same category as death

[@kay22100]

I hate when they say this!!

[@tomhocutt2013]

Where’d Dave?

[@DudeMuscle]

George power blasted him.

[@ChrisMFlorida]

Cabo he's back next month

[@sXePunkV2]

Egypt

[@CabinLifeatBaseX]

It's hard to support a family of 7 on $20 per hour.

[@Joce123]

I think Heather needs to look for a job that pays her more per hour like Delta Airlines pays. $31 an hour.

[@MegaBpop]

Who, great idea!! In what department is that?

[@Joce123]

​@@MegaBpopcustomer service remote job

[@reallmccoy9043]

My wife and I are retiring to Panama. We can live more than comfortably on 2/3 of our social security per month. We also have a few hundred thousand in IRA’S $450,000 in cash. Vehicles are paid off and we just have our mortgage and will be selling our house and business before we move. Adios America!!😂

[@gourabsarker9552]

Sir what is your net worth? Plz reply. Thanks a lot.

[@sarahburggraf907]

If you dont love it LEAVE IT! ❤🇺🇸❤🇺🇸😉

[@Trustbutverify2651]

But aren't you glad AMERICANS are paying for your Social Security?

[@BeeDee-qs9so]

Buh-bye.🎉

[@reallmccoy9043]

@@BeeDee-qs9so 😂

[@Joce123]

Can the father of the 12 year.old do Urber Eats

[@jcstroble91]

Cash means nothing in the trades

[@Truckerdaddy]

That first caller is a bullshitter. $22 an hour for 40hrs is $880, add $660 for 20hrs of overtime and that's $1540 a week gross. Which is $80k a year. Now drop it to 50hrs a week he will gross $62k a year. Her income of $25an hour for 15hrs a week comes out t0 $19,500 a year. So at minimum there is $80k gross coming into that house per year.

[@Joce123]

George what do you know about the farming and food production in our country? It is usually 12 hours a day 7 days a week..Do not say that man/woman wasn't designed to work 70 hours a week to a farmer@

[@GeorgeKamel]

That caller was not a farmer.

[@Trustbutverify2651]

It appears George reads and comments on the comments!

[@sarahburggraf907]

​@@GeorgeKamelGeorge im your biggest fan. MUCH LOVE FROM OHIO❤❤❤😊

[@joselunarealtor]

Stay at home for a 12yr old???? Noooo. We have 3 kids now 20,15,13 and we both work. And hard work plus we never use baby sitter or any help we work different shifts. Its posible and our kids are great not lazy or evil 😂 perfect normal great kids.

[@NaturalWifeyandMamaBear]

Heather in OK, her husbands job of 12 years, and still only makes $22/hr 😯 that’s pathetic. Shame on them for only paying him that. You can start at McDonald’s for $20/hr!

[@stevedaoudian76]

I make 25$ by year 43,000$ still struggling to pay my rent and survive in Canada

[@gourabsarker9552]

Sir how much is your post tax income on 43k salary in Canada? Plz reply. Thanks a lot.

[@cleliaparnell8743]

You know it!!

[@malissakirby4193]

$25000 Taxes are insane in 🇨🇦.

[@Dr.ShrimpPuertoRico7]

I don’t think anyone associated with Ramsey is ever going to live down the asinine 8% withdrawal rate fiasco. It went viral for good reason - probably the worst advice Ramsey has ever given, and that’s saying a lot.

[@georgeslupski5987]

You need to be careful on the advice u give. Your asking a guy who has worked at a place 12 years, to move on. Is he even educated? People don't want to move on to management or are not management material. The 2nd caller just got fired, your asking the first caller to move on where he has job security it seems. Grass not always greener in other side. Not saying your wrong, buts it's no always as clear as this show sometimes makes it seem

[@melmckane2913]

Theres an assumption that the 12 year old can easily and safely walk home from school, and stay alone. Also an assumption that the wife can work, and make more then the gas and extra costs of being employed.

[@PM-mm3pz]

There is a McDonalds/Starbucks on every corner

[@sarahburggraf907]

What's the alternative? Sit around doing nothing and wait for the severance to burn up and be homeless? ....duh

[@margie909]

Bonus-if she is busy working, she will have less time to shop. Someone is a serious shopper in that family!

[@joselunarealtor]

The 12yr old baby does not have to stay alone. The can work diferent shits like me and my wife did for over 20 years. Un excuse. This is insine she seeing the ship sinking and she want to stay home and do what??? Even after home chores and kid homework ? What Netflix??? Please gave me a break.

[@melmckane2913]

The wife may be on disability, if that's a thing in USA and not able to work. May have medical issues. Kid may be Autustic, or have issues. It sounds like they arnt but there's often reasons. If she's just not contributing, well that's a different story.

[@platinumhandymansolutions]

Banks will not give an unsecured loan to help someone get out a secured loan (car). The Ramsey crew has never done this and I know this will not work. No one in lending would be willing to make this happen.

[@Trustbutverify2651]

Sometimes they give advice that sounds good but does not work in real life. They suggest this a lot and should not.

[@Nigriff]

I think George is out of touch when he's says that $1000 will cover most emergencies.

[@gretalukoseviciute2058]

1 middle emergency or various small emergencies… not all emergencies that can happen.

[@kw3113]

Ouch 25 year old coming into a lot of money. She should put it into a trust that she can’t touch most of it. She needs some life experience. In one year she’ll have a guy and he’ll end up with most of it..then she’s going to Korea? Ken smiles that knowing smile.

[@NaturalWifeyandMamaBear]

❤️💚❤️💚❤️

[@Invisibleghost2023]

A holes block me i tried to nlock u could not

[@jamessnavely9758]

It's moocho ecological poncho

[@Joce123]

Move out of the Bay area NOW

[@MegaBpop]

Please DO NOT compare being laid off or fired as loosing a loved one. Bc my 84 y o widowed mother has buried two adult sons within 5 years. It has been 3 years since my last belated brother who was a paraplegic & died from covid. Mom went to the cemetery this past weekend first time in 9 mos and she called me crying, that she is 84 y o and seeing dad’s name on the same headstone with her two eldest boys is at times still hard. Mom said being a widow is nothing compared to the pain as our loosing your child. So again I would rather be fired and laid off then seeing my child in a casket and then their name on a headstone. My prayers for comfort & strength to all have buried a child, a spouse a loved one and a pet . 🙏🏼🙏🏼🙏🏼

[@Charlotte-ti2yk]

I’m sorry for your loss. I can tell this is a sensitive issue for you, so perhaps this will fall on deaf ears, but I don’t think they were suggesting that losing a job is the same as losing a loved one… rather that the chemical processes in the brain, the way the brain processes those events and the toll that takes on the body are so similar as to be called the same. I don’t think anyone would genuinely try to assert that those two events are actually the same, but they might compare in order to highlight the physical, mental and emotional toll of losing a job. Perhaps Ken could have been clearer but I really don’t think he was trying to imply anything insensitive. Of course we all understand it’s not actually the same.

[@margie909]

​@@Charlotte-ti2ykthank you for this very thoughtful, very well written response.

[@je11omo]

@@Charlotte-ti2yk ALSO, it isn't KEN making the statement. He says that this info is from recent studies (NOT done by him). I think people completely bypass that detail and just accuse Ken of pulling this out of his butt or something. Wears me out y'all! Geesh.

[@aaronholmstrom390]

First 😎

[@altimax9091]

They need to stop making babies c'mon

[@Trustbutverify2651]

What is with the white jacket Ken is wearing - it's winter. Not the best look for him, IMHO.

[@BeeDee-qs9so]

🙄

[@callmecordelia7181]

Are you referring to the color season winter? Or the weather season winter?

[@Trustbutverify2651]

Weather season winter - and, yes, I know it’s not technically winter until Dec 21. Just that to me it looks strange to be wearing what looks like a summer jacket in winter and I don’t find that look particularly flattering on him - but he is my favorite co-host, by far.

[@arthrodea]

Lol. I don’t think Ken pays much attention to fashion :-)

[@sarahburggraf907]

​@@arthrodeaand why would he? Its not a fashion show its rich ppl telling broke ppl how to get out of debt.

[@mattlaeff724]

Dave has not been on in over a month! What is going on? All the other players on this show should NOT be giving out financial advice.

[@legacyopp9318]

Separate these two. It's bad for business

[@sarahburggraf907]

The root beer float?.? NOOOOOO. They're great together. Ur nuts😂

[@dianem4188]

All the personalities are great. I love the humor with Ken and George so very much!

[@isidorolopez265]

Please explain specifically what do you mean?