If You Want to Build Wealth, Stop Acting Like Everyone Else | January 24, 2025

[@kw3113]

First caller. Your in-laws see you are greedy and seem to be looking towards their death. As a wealthy person that’s what I see in you and your question. Nailed it when they said they don’t want you involved in the conversation.

[@blexaarron]

@@kw3113 not true. You don’t know the entire story. Her question was about estate planning.

[@kw3113]

@@blexaarronher current in-laws estate that she thinks they will inherit part.

[@blexaarron]

@@kw3113 she’s “looking forward to their death”, you’re are wrong. Low IQ comment.

[@Trustbutverify2651]

@@blexaarron She has no right to do any estate planning except her OWN.

[@Trustbutverify2651]

@@kw3113 So what? She won't know that until they are both dead. She needs to concentrate on her own financial situation - she may or she may not inherit.

[@gamersetherealjourney]

caller 1 - 0:50 caller 2 - 11:20 caller 3 - 26:00 caller 4 - 34:55 caller 5 - 44:35 caller 6 - 54:45 caller 7 - 1:00:10 caller 8 - 1:06:10 caller 9 - 1:20:15

[@mxcianpr]

Caller 1 just wants money

[@jalai_]

GOAT!

[@jeff1130]

The first caller's husband's family Don't want to tell you anything because they don't like you and your attitude get the hint. You could tell by her voice she wants to take over. Worst kind of people.

[@Trustbutverify2651]

You are a daily blessing - keep it up!

[@greggs2240]

I miss you when you don't post these links

[@HashPhantom]

First caller wants to make sure she gets paid. Its not your money lady

[@blexaarron]

Not true, if you know the full story you’d be in the same boat as her.

[@theresauzenski5173]

Make plans assuming you don't inherit anything. You're not entitled to their assets.

[@republicunited2183]

Yeah, I'm thinking the parents/in-laws are leaving them all out.

[@fitandequipped]

@@theresauzenski5173heck… I’m a daughter of parents that ‘I think’ have something to leave and EVEN I am not expecting anything..

[@GlimpseIntoTheirNatures]

You are right, 50 50 is all she needs to know. They have an executor for sure with that kind of money. Besides, she sounds like she's looking for getting more because the other one is single.

[@shondadeloach6714]

I used to be irritated by Ken at first but he has grown on me 😂 his dad jokes are freaking hilarious!! I really really like Ken now😂😂🤣🤣😂😂

[@laurab5849]

Ken is quick witted. I prefer him over doomsday John any day.

[@BrandiEasterling]

I felt the same way about George. He kinda got on my nerves at first but now I really like him. 😂

[@AprilDelRosario]

28:14 I love this line…. Ken says Okay…. “You buried the lead”. . That’s great.

[@lawandahilaire5057]

I laughed so loud! 😂😂😂

[@YouMissedBro]

First caller is digging for gold!

[@carynbecker2752]

I like Rachel and Ken as co-hosts! They banter well😊

[@CaseyCatKC]

Next to Dave, they are my favorite duo

[@waynej.sutherland4359]

I think they are out of touch on the reality of cars. $3k car, buy the car and still expect $2-3K in repairs almost immediately. Maybe used cars are just diamonds in Nashville

[@DianeKKnutson]

I Hit $32,590 today. Thank you for all the knowledge and nuggets you had thrown my way over the last week. i started with 5k in last week 2025... now i just hit $32,590

[@GarryMayfar]

Same here waking up every 14th of each month to 57,000 dollars it’s a blessing to I and my family… I can now retire knowing that I have a steady income Big gratitude to Matthew Heck

[@Mohammed-x8m]

OMG

[@Mohammed-x8m]

How did you manage to achieve that level of growth? I've been trying everything I can to improve my investments, I want to retire in a few years and I need a better diversification

[@DianeKKnutson]

Timing is crucial, and as Matthew Heck suggests, it's often wise to make purchases during market downturns, prioritize acquiring solid assets, and explore options that allow you to generate passive income while you invest

[@DianeKKnutson]

I'd suggest you research him further on the web using his name ‘’Matthew D Heck’’

[@lawandahilaire5057]

“Madison you don’t have an income” I am on the floor!!!😂😂😂😂😂😂😂😂😂

[@TulsaDude]

Yeah, that was a strange call

[@coralcoleman]

Ken is ON ONE today. 😂😂😂😂

[@Evolove16]

I love it when he is!!!!!!

[@michaelcommisso7094]

Daughter in law needs to mind her own business, she has no say at all.

[@anniethomas451]

She sounds like a “Waiter”😂 Referring to the caller who was a lottery winner a while back and not telling his kids!

[@YouMissedBro]

​@anniethomas451 top 10 Ramsey show call moment of all time. That and the "from my butt" lady

[@dcscott01234]

@@anniethomas451hahah first thing I thought of

[@blexaarron]

@@michaelcommisso7094 but when they pass, who will have say? Will they be prepared? You don’t know the entire story.

[@reyrey992]

Ken should be the next one to take the lead role for the Ramsey show. He had the right amount of life, career, and practical experience that is closest to Dave. The others are just not wise enough yet. Jade is too judgemental, George is close, but has a little captain obvious touch, and Rachel is good but just isn't quick enough with the math stuff. Deloney is good for the social aspect of money

[@Trustbutverify2651]

George is very cut and dry with his advice and hasn't had enough unexpected twists that life can bring yet.

[@davisamills597]

How is Jade judgmental??? She's giving advice to people who call in. If anything, she's very similar to Dave. If people call in making poor decisions, she'll give them the honest & hard truth - just like Dave. That's not judgmental. That's tough love

[@reyrey992]

@@davisamills597 nah

[@alexisballard1459]

Completely agree

[@alexisballard1459]

@@davisamills597her audible reactions to people’s situations rather than approaching them with the Hope and Grace Dave always included in his tough love.

[@Trustbutverify2651]

Megan, it's none of your business. They've told you "you are taken care of." You have plenty of time to figure it out once they pass. Clearly if they are multi-millionaires, they have likely taken care of an estate plan. Don't run any scenarios - it's NOT your business. WHY do you want to run a scenario - you have no idea what's in the will. The reason they're holding off on you is exactly because you seem to want to know and it's not that time and it's not your business. In addition, they are likely aware that even in the "best" of marriages, divorce can happen. Personally, we do not discuss our finances with our kids because it is not their business. They know we are debt free, they know we have an estate plan and will and where that is located if we both pass, and they know we are comfortable with a paid-for home and enough assets to support ourselves - but that is all they know because we are adults and we do not need their input or for them to be counting any chickens before they are hatched. If and when they need to know, we will let them do so. But that time isn't yet. In addition, younger people need to know that if older people need long-term care either in their homes or in assisted living that a LOT of money can disappear in a short period of time. I was the Executor for my father-in-law's estate. After he died, I had to go through his bank accounts and realized that, because he needed 24-7 home care (including weekends and by nurses near the end), that over 1.5 MILLION went out of his bank accounts over a period of years, but it was HIS money to spend like HE wanted to - and that's what he chose to do with it. Thankfully, my husband and I knew they were comfortable, but we were NOT depending on THEIR money to be our inheritance. You take care of YOUR money and assets and they will let you know when they need assistance or input.

[@thornyrose1235]

She really rubbed me the wrong way. It sounded like she's waiting for them to die so that her husband can inherit millions and she can live her best life. Focus on your own damn income, lady.

[@Trustbutverify2651]

@@thornyrose1235 100% and I was very surprised that neither Ken nor Rachel called her out on this - what is "running a scenario" all about? Nothing can change more quickly than someone's financial situation depending on what life brings about, so "scenarios" are worthless!

[@thornyrose1235]

@@Trustbutverify2651 Honestly, I was a bit icked out by the 'running a scenario' thing. Like....they're not dead yet. RELAX. What if they decide that in their golden years they want to sell one of the properties and travel the world in luxury? I mean, they literally earned it. And like you said, anything can change ie market crashes, major health upheavals, etc. Let these people use their money however they want and butt the fvck out. I wish Dave was here to answer that one because I think he'd have been a lot less delicate with her.

[@Trustbutverify2651]

@@thornyrose1235 It was clear Rachel was trying not to lose a caller with a stronger response and Ken was pretty much stuck between the caller and Rachel. Rachel "run a scenario" had her shorts in a knot trying to figure out a way to tell her she was dead wrong without insulting her, but Dave would have laid Megan out over even asking the question!

[@lawandahilaire5057]

Madison is so private on the call…she answers “I’m in my mid 50s” 🤣🤣😂😂

[@Marlene1231]

Ken & Racheal have to cutest Brother & sister co-hosting relationship 🩵

[@MarieSmith-ot1yb]

First caller is a GOLDDIGGER!!! The in-laws seem to know that. Make your own money women!!!

[@blexaarron]

@@MarieSmith-ot1yb Low IQ comment. Her question was about estate planning. You don’t know the entire story.

[@757discs]

The best duo on this show!

[@CaseyCatKC]

Megan, say thank you to your in-laws and sit down. Your intensity will most likely ruin the whole thing.

[@chATTY0613]

I am scared for Megan’s husband. 🤪

[@loriej9297]

Megan, let me solve this mystery for you. Your in-laws don't like you because you're counting their money as if you made it. You're not as clever at hiding that as you think you are. I wouldn't plan your future based on half their money because if you keep this crap up you just might find it all goes to his brother.

[@Trustbutverify2651]

Many people are uninformed that bio and adopted children do not always inherit automatically, but can be disinherited in a will, as long as they are specifically mentioned by name. This just happened in our extended family. My brother-in-law had two children, each adopted by two different wives. No one knew anything about his will until he died. His wife pre-deceased him (first one was a divorce.) One daughter paid a lot of attention to the parents, helped them out regularly, and did not expect anything to be left to her. The other never came by but as soon as he died, she was right there to check on the will! She had assumed all along that because she was officially adopted she would inherit. Was she ever mad and shocked when she found out she was specifically written out of his will.

[@brookelondon8029]

All I heard from her was, "I want to know how much money they have and what I'm getting." And I'm sure that's what the parents heard. She covered her greed by saying that she wanted to make sure that she was prepared for the future when she would be in charge of the estate. No, you stuck your nose in someone else's business. If I were the parents, I would've seen right through you. How insulting to ask someone what plans they had for all their wealth. If she married him for his money, which could very well be, she may be in for a shock. I'm sure their estate planner has contingencies in place, esecially in case of a divorce.

[@Humblequeen-m5c]

Hi was not ready for this voice message

[@Trustbutverify2651]

River, just recognize that if she can go into this much debt for school, it's not a good sign for how she may handle money in the future. Be SURE this is the person you want to be tied to before getting married or if this lack of understanding about money is a deal breaker. She should look into going into the military - they need meteorologists, especially the Navy and Air Force. That could get a lot of her student loan forgiven as well as give her experience and likely with the benefits match what she is making.

[@Kingleekofficial]

Great input

[@KirstenKennedy-n2p]

I left the room when my husband and father in law started to discuss estate planning. It is a rare spouse that can stay out of weighty decisions that they have no vote in.

[@mxcianpr]

Megan just wants a check

[@blexaarron]

@@mxcianpr her question was about Estate planning.

[@suongho6585]

@@blexaarronit’s natural for her to want to know, but ultimately her in-laws don’t have to disclose to anyone what they wish to do with their assets once they’ve passed away.

[@TulsaDude]

Don't we all, what's wrong with that

[@shionajoseph3248]

@@TulsaDudeher husband can tell her. Until then she needs to drop it

[@maribethvance9958]

We paid $5,400 for a 2006 Hyundai Santa Fe back in 2018 and all three of my sons learned how to drive using that car, and my middle son took it away to school. It has 200 + 1,000 Mi on it and it's still chugging along

[@TheCallahans21]

My husband and I just bought our 15yo his first car. It's an 05 Impala. Right under 200k miles. We bought it for $300. It needed a new water pump ($9 on rockauto). Now we can teach him to drive his own vehicle and not worry about my $30k car. Kid is brilliant, but definitely concerned about this new adventure. He calls it his "default car"

[@HeidiBailey-v1q]

Ball-ah, Shot-callah, twenty inch blades on the Impala...Lol! Everyday listener, have never commented but so many things hit me with this episode...including the Turd and the Toyota. We currently have a commuter car, a 2003 champagne brown Toyota Camry we affectionately call The Turd. My husband is going to retire in the next six months and we will no longer need our Turd. There are about 135,000 miles on our precious turd and we are going to sell it. It's not pretty but it's never left us on the side of the road. It is a Ramsey car.

[@elizabethlewis697]

Good job Ken and Rachel knowledgeable and entertaining!😅

[@lizpetruzzi7700]

First caller did not make a good impression. It seems like she can not wait to get her “share” and feels entitled to know what that is. His parents are still alive and your irritation and demands are gross.

[@patrickvansII]

Megan from Des Moines: money hungry.

[@blexaarron]

Low IQ comment. Estate Planning, Long Term Care/Passing. We see your insecurities Patrick. 🤡

[@moni-b1t4u]

​@@blexaarronyou 🤡🤡

[@2dodger2]

Meagan is one of those commanding control freaks I try to stay away from

[@naomiscollectionofvideos4231]

The Proximity Principle os an AWESOME book

[@maryallen1017]

Megan MYOB!

[@timpride6276]

Cause you're not entitled to anything. Sounds like yall need to quit worrying about it

[@shelbymitchell5484]

If that was my daughter in law I’d lock that money in a trust that pays out slowly to him and the grandchildren. She’s really reaching out of her business. Very rude. It sounds to them like she’s waiting for them to die. How would you not be offended as the in laws.

[@Trustbutverify2651]

But the great thing about a beater is no one will probably steal it 🤣 True, dat, about the kids. Whether you have one or ten, they take all your time and all your $$.

[@nelsonvillalta1605]

Husband and brothers should protect parents inheritance by keeping it as a secret between them. Even if lying to spouses possibly.

[@Trustbutverify2651]

Hopefully the first lady, Megan, reads the plethora of comments about her attitude - not your money, girl.

[@blexaarron]

@@Trustbutverify2651 she has and it’s funny because all of these comments are low IQ takes. Her question was clearly about estate planning and not money. I think the comments are showing their insecurities.

[@sharontaylor148]

I would tell my daughter in law to take a hike!! A long one! And also sister, I doubt they both go at the same time!

[@kristinlong9604]

I’m still driving my Toyota Camry. She has over 418,000 miles. ❤

[@kylewtracy]

Holy crap 12% interest on a $100,000 student loan is $1000 a month just for the interest. 1/3 of your take-home pay from that local reporter job is simply for the interest on your student loan

[@deborahwatson9784]

Dang lady, put your shovel away

[@mirandawalker6600]

16:51 Businesses are really out gere hiring ppl with job specific degrees for $18/ hr 😑 Pay more!

[@brendaatry428]

Why doesn’t anyone discuss health insurance payments?

[@Trustbutverify2651]

1. Because there's not but so much that can be done about them. 2. Because every person calling in has a totally different set of options for health insurance based on their jobs, their age, the number in their families, and how much they're willing to take as deductibles.

[@isidorolopez265]

Reason they probably don’t discuss health insurance payments because I’m sure they’re very very costly and gonna cost you a lot a lot a lot of money these guys don’t they don’t really want to talk about that and even then they may give you pretty much a fluff out

[@christopherhardie1050]

Because like me m7 company pauys 90% of my insurance so I only pay $7 week vs someone that may pay $150

[@monicadhenderson8670]

For the first call of Megan, wondering about how much it’s gonna be left or we can get when you’re in laws pass away to be honest with you. It’s none of your business because I think the in-laws feel like you are a waiter. They don’t want you involved and they don’t want you waiting for them to die. Know that you have an inheritance and whenever that day comes hopefully they will live 100+ hopefully you will live that long as well. Don’t be a waiter Take care of your own business and focus on your own children that you were having a heritage for them, but you don’t want them waiting on you that sounds so invasive to me I cannot imagine trying to get information out of my dad about what does he have for us his children. Especially when we’re grown.!!!

[@TulsaDude]

Rachel, I assure you none of the real estate market will be affected by Trumps "confidence" he shows.

[@samoafale6417]

First call - Im an in law, only if they ask you, even if they like you still wait til they ask or allow you in...

[@davidli6899]

if i was megans in law, ill do whatever I can do make sure doesnt get a penny of my money by leaving everything to my other child

[@jeff1130]

First. Caller is a gold digger... Your husband parents don't like you... Get the hint... Tell your husband to get out from underneath the table.... We know who wears the pants in this family And it's not your husband.

[@queenofmanifesting5]

First Caller: The family knows you’re money hungry, hence you calling and not your husband. They don’t like you.

[@elizabeteribeiro7289]

I can help River because the company that I represent, we have the opportunity to make extra income, and we give all training, and they can start paying their debts

[@elizabeteribeiro7289]

On a part-time

[@mattlaeff724]

Good News! Just read that Dave will back Monday, and with a New Hairdo!

[@thuliwekathumba2211]

I miss Dave

[@teresamurray9225]

They dont wan ther involved. Respect that.

[@Doinko-u2z]

55yrs with onlyemergency fund should I save or try down mortgage?

[@deannahardemion2268]

Depends on where you live, how much you make, how long you plan on working ….

[@TulsaDude]

I still am confused about that call

[@TulsaDude]

Madison I speak for all of us when I say " HuH, WuT, exCuSE Me????"

[@staceypennington919]

I love these call in shows but geez I am so sick of everyone talking over each other. I wish there was a way to fix that.

[@jaynette2011]

I’m not gonna lie I wanted to say spit it out Margaret

[@Trustbutverify2651]

Ken, do you have ANY idea how much the "whole kit" with a kilt costs? (Count on about $1,200) LOL! Google Coleman Clan Tartan to see what your kilt would look like. The Scots are natural savers and tight on their money!

[@sXePunkV2]

Absolutely! We're a bunch of cheapskates.

[@RCGuitar982]

DIL doesn’t like them and wants to know how much cash is coming her way, guaranteed

[@amireallythatgrumpy6508]

Is it just me or does Megan sound like Kari Morrissey?

[@Trustbutverify2651]

Parents, invest for yourselves and raise your children to make good financial decisions and they'll be just fine. But if you want to do it for your kids and have an extra $1,000 and you can get 10% yearly - good on you.

[@brookelondon8029]

The suggestion was made for the two brothers to get together and talk about the future and how they would handle the money. Bad idea. The other brother might have been told that he's getting everything. There's a good chance that if that woman has annoyed them to the point where they think that she's just a gold digger, that could easily happen. Or, they may have decided to not leave anything to the children and are donating everything to charity. They may have decided to put the money and trust to a foundation. I think most of us would do anything to have our parents live to a ripe old age and to spend and enjoy the money that they earned.

[@LeviMiller-h8s]

First caller is a gold digger lol

[@deal492]

The guy with the girlfriend in scotland has been catphished.... he'll be calling back!!! 😮

[@TulsaDude]

It sounded a little odd, they never even asked if they've met or anything

[@dianawilliams8801]

She needs to sort their finances out and not question the in laws tbh

[@TC2020-w8u]

Pastmarket performance is not an indicator of future returns.

[@bettedavis9261]

Megan, whose estate are you wanting to plan? Your in-laws have already planned theirs, and they have made it perfectly clear they don't want YOU involved. Why the rush to know all the details of THEIR estate? You'll find out in due time. Nothing's on fire here. They can tell you're nosy and greedy (since it seems every commenter here has come to that conclusion, it's common sense they would have picked up on that). It is NONE of your business what their estate looks like. It's not your husband's or his brother's business, either, unless their parents deem it their business. Back off, woman. I'm glad you're not MY DIL or SIL. UGH!

[@maximusdecimusmeridius5438]

Modern women with all this student loan debt smh

[@Hellokitty7163]

First caller is soooo nosy

[@elevate4eva]

Timestamp guy is late, again. 😡

[@Trustbutverify2651]

But always glad when he does it!

[@bettedavis9261]

I didn't realize he was on YOUR schedule. He's doing you a favor, and you're pi**ed because he's "late." Call the wambulance.🙄

[@elevate4eva]

@@Trustbutverify2651of course!

[@TulsaDude]

Kevin, why did you call, you already have it figured out

[@nowthatsurban]

“I have $72k left on my mortgage and only $76k in cash, with no income - should I pay off my mortgage?” What kind of logic was this?!?

[@TulsaDude]

That person was interesting...

[@sXePunkV2]

Madison....what is going on?!

[@patriciak826]

They missed an opportunity to ask more important questions about her state of mind.

[@anniethomas451]

She needs only $1300 a month with a house payment, insurances, etc. I find that hard to believe.

[@lawandahilaire5057]

It was as if she was trying to be private when she was the one that made the call! It was absolutely hilarious! All the information she withheld.

[@TulsaDude]

That call made zero sense, something is wrong with that lady

[@TC2020-w8u]

Good luck with that 8% over 79 years. Good grief ken. Is that before or after inflation

[@zackk8444]

Are they reusing old clips? The lady, Maddison , that called and asked if she should payoff her $72k mortgage. I swear I heard that caller before on a previous episode asking the same exact question to Ken and Rachel before. 🤷🏽‍♂️

[@lawandahilaire5057]

I don’t know but sometimes I feel like I hear the same voices call in! 😂

[@TulsaDude]

Uh no

[@Eri-l1y8p]

Off course the girl in Scotland is going to be debt free, university is free and medical also … youngsters most debts are these

[@brendaatry428]

Survey 33789

[@KiciaKocia88]

An American trying to explain to a Scot how to be frugal 😂😂😂😂😂😂😂 dude THEY INVENTED FRUGALITY

[@2sumu]

45 07

[@KiciaKocia88]

First caller…. Stop being a waiter

[@billdiehl8463]

First Caller. Heck, just listening to her for three minutes she's already on my nerves. I suggest she just shuts up about it as she's annoying and let her Husband deal with his parents.

[@billdiehl8463]

Eddie hasn't found a job in over a year. How can that be? He's holding out for a Management position Clark lol.