If You Want To Get Rich Do What Rich People Do!

The Ramsey Show (August 28, 2023)
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[@adboama4real]

Hi Dave and Jade. Much love from Ghana, West Africa. You guys have changed my life. I am 38 with a paid for house..This stuff works😊

[@bluebelle9572]

Way to go

[@Nigriff]

God Bless 🙌 🙏

[@sherifatwuraola6641]

Charlie !!!

[@victorblock3421]

I don't need to tell you this because you know already, but living this way can put your family on a totally different path.

[@65albertus]

@@davidb2206i am trying it from the south!

[@francescadelight]

After budge ting for necessaries and emergencies, place a reasonable portion of your earnings in fixed in come securities that multiply in value and let it comp ound no matter how little. It will skyrocket you to your goals. If you're not really versatile in these matters, get an adv isor, it’s okay you can’t know everything. Nice one ramsey and jade ❣

[@callumfrank]

I like what Ramsey said about budgeting, there are some things that you should already make a part of your budget and if you do they’ll no longer be forced to eat out of your emergency fund

[@weicaihon]

Yep I agree with you, understanding how money works and how it can be made and managed is what many of us struggle with. There's a reason why investments aren't well taught in schools.

[@annMarien]

I was in my mid 40s before I looked at my retirement and what I had to do about it. my savings were a wreck and I knew needed to get my life together before 60. Luckily for me I was referred to a firm by a. friend that deals with this type of crisis. Fast forward to today through them in couple years I've been able to amass 1.3m and still going.

[@francescadelight]

@@annMarien Congrats to you ! and yeah as Ramsey would say, think about 20 years from now not 20 minutes from now!

[@schukerD]

@@annMarien I have 5 and a half more years to go and nothing to show for it yet. Bit of a high earner but nothing tangible saved for retirement yet

[@OopThereItIs77777]

1 thing I LOVE about Jade is she asks Dave questions. On air. If she’s unsure & looks to the expert. The humility that shows is amazing.

[@Transitiontoretirement]

Yes, her questions always bring out more details for someone new to that particular financial situation.

[@OopThereItIs77777]

@@Transitiontoretirement Exactly. I love that part when she’s on

[@debbiehall1806]

I agree, she’s brilliant

[@ahmadsamadzai8255]

Dave, I think you'd like to hear this. I followed your steps for the past 5 years. Got rid of the debt 2 years ago. Two days ago, I decided between 2 different airplanes to buy. One I could pay cash for. The other would require financing. I really wanted the nicer one that requires financing. I thought about calling you for advice, and then I told myself I know what Dave will say. So, I slapped myself back to reality and bought the one with cash. It's not as shiny and beautiful as the other one, but it is paid for, and Dave approved.

[@pamelaperkins5751]

You rock

[@mmp495]

Congratulations! 🎉 Good choice.

[@mihy26]

I sold my plane last year . . . I've been debt-free for 19 years- feels great!

[@ahmadsamadzai8255]

@@mihy26 That's such an awesome feeling. I couldn't go into debt ever again.

[@chrysopigilazarakou5113]

Excellent! Enjoy your rides!

[@hildab4941]

Jade and Dave is the best combo on Ramsey Show to date. Power team 💯

[@Trustbutverify2651]

I don't see that he lets other co-hosts talk that much, but it is true that he can run the numbers better than anyone else on this team, and he can also explain things better.

[@brucefredrickson9677]

Jade was contributing too on this broadcast. @@Trustbutverify2651

[@OopThereItIs77777]

@@Trustbutverify2651lol girl he’s been doing this for close to 40 years 😂 Jade sits next to him & does a phenomenal job. Where are you? Hating through your phone. Quit being so defeatist. Yikes

[@markanthony5466]

😂😂”when you stick your head in the sand, your butt is exposed” - Best line EVER!!!

[@annaamartin3782]

😂😂😂

[@arcane7298]

I love Jade. Dave can be intimidating, but she seems fearless and can really hold her own.

[@republicunited2183]

I love Dave’s forwardness, no sugar coating.

[@Trustbutverify2651]

Good personality, but she doesn't know a lot about basic economics and pretty much just gives the Ramsey party line to every caller.

[@bettedavis9261]

​​@@Trustbutverify2651agree 1000%

[@mansplain3626]

She’s the worst.

[@tubenachos]

​@elizabethharris6876 she lived the steps six figures in debt so she has some respect from me

[@mmp495]

Congratulations to you and your wife on your precious baby George! 👶 ❤️ 🎉

[@jodyhunt4001]

Jade is my FAVORITE! SHE IS AWESOME TO LISTEN TO AND TO WATCH!

[@taywhite899]

Jade + Dave = Fave ❤

[@baileymclean8186]

2023 was a crazy year and next year doesn't look any better. But it's sad that whenever something big goes wrong, many people panic and hold on to money that should be working for them. After watching my portfolio perform in the six-figure range over the last two quarters, I've learned why the market will remain a money pit for those who know where to look. Get help

[@glenbert1396]

The markets were ruined because the Fed printed unlimited money. Every time the market crashes, the Fed throws cash into the downtrend. Honestly I need a good investment plan right now, I have a lump sum of over $300,000 in a savings account that is earning next to nothing.

[@louisairvin3052]

Cool, but I'd like to start moderately and maybe move on to aggressive. Do you just give her your money or copy it manually? I have a full-time job. And what does JILL charge for her services?

[@louisairvin3052]

i Found her website and left a message after searching her name online. Hopefully she answers soon.

[@KeebasWorld]

My life is not where I would like it to be…. But it has improved 10xs over since listening to Dave Ramsey. Constant reminder to do better…save more…etc. Great show.

[@sp-tn9yt]

Congrats to George!!! Wishing him and his family a blessed season with their newest angel

[@georges.2157]

thank you!

[@amandapond5319]

Love hearing the Canadian calls 🇨🇦 I am on baby step 3 & needing to learn effective retirement investment strategies available in Canada.

[@striperkid]

Yeah, that Jamie girl is on fire !!! She wants the house paid off yesterday ! Maybe she can light a little fire under my wife's butt.....lol

[@twinmama16]

I love the lo-fi and Jade is extremely passionate about this and its so refreshing

[@victorianameneverner8922]

Congratulations George and Whitney

[@sharminrahman8038]

love Jade's style, she is soooo cool

[@rena_vations]

The one thing my mom told me don't do loans. I had to find out for myself. Payday loans are vicious. I'm still paying them off. So now that I found Ramsey 🎉 I'm at the beginning of the baby steps and I've paid one debt off so far. 🎉 On my way to my second debt yay🎉 So from a borrowing person not student loans but payday loans I say don't do loans. Save money and if you can't afford it don't buy it 🎉😊 Thank you Ramsey

[@carolray9156]

👍 I'm starting when I get paid September 12 and I'll pay one off than.🎉

[@rena_vations]

@@carolray9156 awesome 💯

[@grahamsheehan1642]

Congratulations George 🎉

[@frobinson1981]

Dave giving out a double dose of budgeting for that first caller. Well played Dave ✨✨👍🏾

[@woozadotcom]

Thanks Dave I've saved 1500 pounds in 4 months listening to you. I have no debt and haven't had a credit card for 30 years. You make sense. I'm working on budgeting to put away for yearly bills like car service, trips, birthdays and Christmas. UK based so can't get the apps. Just learning from listening. Wish I'd found you sooner.

[@MattDouglas-hj9wh]

I just sold a property in Portland and I'm thinking to put the cash in stocks, I know everyone is saying its ripe enough, but Is this a good time to buy stocks? How long until a full recovery? How are other people in the same market raking in over $450k gains with months, I'm really just confused at this point.

[@graceocean8323]

Yes, a good number of folks are raking in huge 6 figure gains in this downtrend, but such strategies are mostly successfully executed by folks with in depth market knowledge

[@tampabayrodeo2474]

I agree, having a brokerage advisor for inveesting is genius! Amidst the financial crisis in 2008, I was really having inveesting nightmare prior touching base with a advisor. In a nutshell, i've accrued over $850k with the help of my advisor from an initial $120k investment.

[@tampabayrodeo2474]

There are a lot of independent advisors you might look into. But i work with Carol Pasol Lewis and I have been working together for nearly four years, and she is excellent. You could proceed with her if she satisfies your discretion. I endorse her.

[@hannahdonald9071]

I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.

[@happylife7542]

Omg when the guy said he is 44 with 13 grand kids. I was about to lost it lmao. I just turned 42 yesterday, and I was like WHAT…😂

[@brucefredrickson9677]

54 with 13 grand kids...pretty lucky guy.

[@OopThereItIs77777]

@@brucefredrickson9677Love this. my MIL just turned 60 & has 14. She calls them her grandloves & never misses a thing somehow.

[@DeeDeebing]

My dad is 53 with 13 kids.

[@av-lz5db]

Love, Love, Love for George and his wife and baby♥♥♥

[@arcane7298]

I feel kind of bad for the guy who had waited so long to get on the show and then got cut off before he could really ask his question. I hope he is not too discouraged and that his wife can understand his vision and get on the same page.

[@joelmora2826]

I hate that too. Like just got to break and take a call after .

[@margie909]

The caller needed to get to the point much quicker. He wanted a conversation with dave, not just an answer.

[@icawn]

He was definitely rubbing Dave the wrong way.

[@adventuresingoatfarming6754]

I have $750 left on my mortgage ( two payments) 40 K in debt on other loans and a credit card, I need to build a new house . The house I’m living in has maybe three years of life in it. Going to build small and handicap friendly / energy efficient. I have the lumber to build owning a sawmill and 140 acres of land. I need to call and get so direction.

[@juxtaboo]

Is there a compilation of Dave just giving tough love? Haha I need it!

[@45jessiemad]

Yay!!! Congratulations George! So happy for them! 🎉

[@AB-sj3tl]

Aww congratulations 🍾 Go Kamel family.

[@je11omo]

YAYYYY! HAPPY BIRTHDAY TO BABY MIA JANE! So wonderful. Congratulations to you, George and your lovely wife, Whitney! Being a parent is AMAZING! Soak it ALLLLL up man!

[@fleetofwjs1893]

1:28:15 "Tell me how you feel about this statement"... I think Rachel is starting to soften up Dave a bit 😂

[@sarahburggraf907]

I bought my last used car from a car lot litteraly named cash for cars😂

[@pelmajohnsonmingii4689]

Dave and Jade are the best duo❤🎉

[@Esevato76]

"FOREVER, FOREVER, FOREVER".... giving me The Sandlot vibes lol

[@Nigriff]

Jade looks like a different person every episode. 🤔🤔🤔

[@patricksimon8943]

Keeps her husband interested.

[@OopThereItIs77777]

We love a fashionista budgeting QUEEN. She is stunning & love her style

[@pelmajohnsonmingii4689]

Dave awesome for being direct with slapping advice. That’s why the show has character and I appreciate the truth, even if it hurts.❤

[@brucefredrickson9677]

Let the parents share in the cost for their kid's education!

[@JaceySmith1234]

All signed up for Plus! I am going to do it so I can teach my two college aged kids how to use it - along with purchasing them your college student money program. They will do IT RIGHT from the start. I don't want them to live like I have. Thank you!

[@cassk5147]

Would love an evening budgeting class.

[@scrubs4everr]

The grandpa of 13 kids was so fun to hear! What a cool story!

[@christinebuckingham2480]

The student loan pause was just lifted? Who the heck that owed that kind of money didn't at least try to keep paying off this debt during this stupidity? Maybe you need to sue your university for failing to teach you anything.

[@DeeDeebing]

That's what I was thinking, that would've been the perfect time to pay it.

[@DevHazy]

My husband is 80% disabled vet and I did not know this so thank you for calling about va loan!

[@sara7mk]

Love Jade. She’s been a great addition

[@Shenanigans3]

Finally working on my steps!! Let's make this bread && start living again!!

[@Trustbutverify2651]

If the young lady won't let her husband have some extra fun after baby step three, life can pass her by. You only have one opportunity to make memories with your kids and husband. If she insists, she may find herself alone. I thought Dave's answer to her was great and much more balanced than what she wanted to do. Time to be intentional, not as intense.

[@sam805236]

Out of all the memories with my kids, the ones that cost the least (even free) have been the most memorable that we still reminisce about to this day. All the paid ones like theme parks NEVER get brought up. You don't need a camper, you don't need a boat, you don't need a truck to haul either one. Get some used camping gear for a couple hundred and you're set.

[@Trustbutverify2651]

Agreed about enjoying the simpler times in life - it's always surprising what kids remember, and it usually has to do with the emotional timber of the moment or outing. However, a couple and a family also need to have some fun times and vacations to build memories and childhood passes by so quickly. If she wants a totally paid off house, then get a smaller house and live a little if all your other debts are paid and you have a decent income. Marriage is also a compromise. There is always a tension between security and liberty. @@sam805236

[@jimbo3609]

What is Dave's good mutual fund? Sorry, I'm new to the show. Thanks

[@nervotica7991]

Suddenly their memories improved - Dave Ramsey.

[@allisonresseguie7734]

Jade is the best! I hope you know you rock Jade 🤘🤘🤘

[@ennvee1989]

I am Canadian but I will definitly tune in for the student loan livestream. I have about 20k in student loan debt. 🇨🇦💸

[@elevensuns]

Nice job, Jade!

[@sarahshealthyrecipes]

Much love and prayers and congrats to George and Whitney 😍

[@Lord-ml]

So sorry I did not watch this earlier anyway better late than never. “WHAT IS IN YOUR WALLET? MONEY 😂 love Dave

[@jamesjazzy8040]

While Dave Ramsey's plan is great, please stay home if you're on it, we do not want to pick up your tab and pay for you all the time. We don't want free loaders cause you're saving money.

[@genehutchinson5560]

You’re prolly the bum asking your friends to pick up the tab 😂

[@SonicCloudLink]

1:25:45 That call rubbed me the wrong way. He said the loan was more of his wife than his. I hope his hesitancy to paying the student loan isn’t because he feels like it is his wife’s debt.

[@savanah1407]

Would love to hear an update from Chris from Phoenix!

[@amychristen171]

I was lucky enough to get my loans forgiven under public service employment during the pandemic.

[@bebop504]

You made 10 years of payments and then applied?

[@MrColonelbbc]

Notice PPP loans are never discussed… wonder if they will ever bring that up….

[@rena_vations]

Forever.....and ever.....and ever.....and ever...... The twins on the shining 😂

[@enjoywarmwinters]

I’m so glad I found this channel. My and my husbands main debt is our student loans. We make good money so we’re stating the 7 steps. Can’t wait to say GOODBYE to these student loans!!!

[@juliannehart4828]

The problem with all that student loan mess is the interest. And a technical computer school that was 10 individual classes that took payment for the 10 courses ALL AR ONCE and the jerk who took only one course.

[@ablheardemsay]

Congrats George.

[@nmenonm]

So proud of Ryan & Jenny, woohoo !!

[@striperkid]

Great episode, especially the "Social Class Language" that Dave speaks about at the 58 minute mark.

[@jacksycz]

Apply for Hospital Charity Care. Hospitals are required to write off debt for people who can’t afford it IRS 501 r4 and 501 r6.

[@RuthEdades]

I dumped $300 on my Mastercard for September. Then was given $340 available credit. Can buy my Chinese food treat. Yay. I can afford oil change. Yay.

[@diggernash1]

Can the lot be subdivided? 40k per acre in a rural setting was the alarming number for me.

[@michelehernandez5992]

Understand this on student loans as soon as you don't pay them the federal loan servicers are the first to ruin your credit. What is that link for that webinar that Jade is going to do? I could not find it.

[@gottcha-fk7ec]

I tried to look up every dollar app. But it's not available in my region. I'm located up in central Canada. Do you guys have another app. You would highly recommend?

[@Ouiyoginamaste]

Congrats Georges!

[@jesusreyes3868]

Shoutout to Roanoke Virginia 🎉

[@MrEjblanco]

I really need to pay off my debt already 😢

[@dennis.teevee]

man nobody can ever replace dave

[@elissapoh7782]

I don’t think those real estate ratios work here lol… empty lots are about 900k+ for a city lot… (lower mainland BC Canada)

[@billieboniface5273]

Wow! Ramsey follows his own advice! He does the intro to his own show instead of paying someone else. :)

[@marthaannrichardson]

I work with the public; that's nice. No need to be complicated Jenny

[@loristory83]

Dave you’re awesome!! ❤

[@richardatha5518]

Do you ever get UK guests onto your show? I’d be interested to know if you’d advise on UK people

[@amireallythatgrumpy6508]

There have been callers in the UK.

[@richardle7469]

I just dot understand the 10% tith when that could be for unexpected, and if you have left over then giveaway, but if your living check to check , you need to help your self b4 you can help others ? I understand giving makes you feel good, but feeling does not pay bills

[@gman955]

@ 37:05 Why do they mute the caller when they’re trying to have a conversation? It just looks rude to talk over the caller and mute them

[@tioopuh]

Because people ramble too much and don't end up saying anything if the host doesn't moderate the conversation which sometimes requires them to mute points are not being made and time runs out

[@marybowers6090]

So I went to download the every dollar app as its not free. There is a free trial, can you talk about how much that app is?

[@FreethemGuyz]

1:29:00 in my case im sure my supervisors are in a similar situation… no money 💴… but jealous on the site😢😢😢😢

[@knightalfred7134]

just tell the kids they get the money when they finish FPU

[@deanmace5746]

Good stuff but Dave always interrupts and talks over the cohost

[@fwb777]

His wife might be very lonely. He just loves to hear himself

[@AmyBethB]

Dave I laughed so much today 😅 TY

[@Petitestyling]

Is Dave saying no one got their loan forgiven? My close friend showed me she had her $10k forgiven. I’m confused.

[@johnl9135]

Student loan shouldn't be political, you borrowed the money, you should pay it back and not blaming on the government. It's your SHIT!

[@LoveMusic-pd5iz]

I don't use a debit card (just an ATM card). I am in the process of paying off and getting rid of credit cards. I use cash in weekly envelopes for food and household. I don't have a car, so how to pay for gas isn't an issue. When I still had a car, I paid for gas with cash. Still can't figure out how to 1) buy a plane ticket, rent a car or a motel/hotel room. Anyone have input on this?

[@tubenachos]

So Jamie called them to get on her side. Dave calling her bull 💩 love it

[@andreathompson-bg4hl]

Broken arm has cost me over 5000 dollars out of pocket so far and bills keep coming. Save more than 1000 dollars people. And yes I have the good health insurance.

[@richardle7469]

Or just sign life to uncle Sam, 3 yrs later free health insurance lol.. I never paid for Obama care

[@MM11zxc]

what type of job pays $280,000?

[@icawn]

Surgeons, dentists, corporate directors

[@motoryzen]

1:44 to 1:54.hmm math doesnt add up for me. Shares Work worth $100 and now worth $240 Thata an increase of 140 percent or close to that... right? So how does a stock total That was worth a grand at $100 per share. All of a sudden end up worth 3 times out amount, but per share the value, only one up around 140 %? Is the only other variable compound interest as to why .. I'm misunderstood the math?

[@tammyhadlockdesertroseadul4092]

My student loans were forgiven under the Public Student Loan Debt forgiveness

[@jimmyjonesjr937]

I think dave ramsey and myron golden should collaborate 🔥🔥🔥

[@desireerice3699]

ahh congrats George and mrs George. baby george in the house😀

[@felishacasper4866]

when i was paying off my student loans. i started getting statments that would say i didn't owe anything for months because i had paid a large portion the previous time. Then i received a phone call some time later where they wanted to 'help me' set up a way to pay my loans down lol

[@GMNGChristian]

That poor Johnny guy waited forever to get onto the show and they just ditch him lol

[@eprofessio]

As the boomer generation starts taking their mandatory payments from their stock market retirements the stock market is going unravel because the following generations don’t invest like their parents and grandparents.

[@s.h.5726]

Go camels. Congrats!

[@goodcatfilms4276]

My secret to getting ahead was never owning a car

[@ginacardarella]

That's sad to me if he suddenly cares less about the dogs. Because he has new humans in the family not right that breaks my heart😢