Is Chasing “Financial Freedom” Really Worth It?

[@johancuellar6358]

I am with you in the no tip when standing but with my own personal caveats. Example I brought in a party of 9 to an ice cream shop and the guys was just helpful and patient with all of the indecision so I tipped. If i see someone who is running a tight game for n the middle of chaos with a great attitude I am going to tip. It brings such a smile to their faces ❤

[@Bethelgal42]

The whole "dividing checks evenly" is crazy. My whole family (2 parents, 4 adult kids with 4 spouses, and 9 grandkids) and each family unit paid for their own food. Why is this not the norm?

[@donjohnson1416]

Cause alcoholics want you to pay for some of their beer

[@NaturalWifeyandMamaBear]

LOVE OUR LIBRARIES! 📚 Our small town one we’re fighting for bc idiots are trying to take away. 😞 🙏 Our boys have become avid readers 👍 and we go there often and get loads of books.

[@Trudloops]

Rachel was so hilarious during the declarations. I laughed as she struggled to stop laughing and speak coherently. She was not convincing 😂.

[@rayofsunshan]

Her being Dave Ramsey’s daughter made it even funnier to me 😂😂 I was like “he might need DNA for this one” because they’re so different LOL

[@emoney1231]

My rule of thumb is if I get my own drink/refills, I don't need to tip.

[@retnuh1262]

My immigrant father always told me growing up that I will be expected to take care of my parents when they get old. They are now centi-millionaires so I am hoping that expectation has fallen off 😅. My American mother has never expressed the sentiment that I will need to care for them. It is definitely a culturally dependant mindset.

[@chriss7552]

Love watching KZbin version. I can watch George reaction❤😂

[@asmamb1248]

Thanks Rachel and George! 😊

[@autumnjerene]

Cinco de Mayo isn't the Mexican Independence Day. That's in September. Cinco de Mayo is a day Mexico won a battle against the French.

[@tdgdbs1]

Fact. A Mexican in Mexico will not hesitate to educate you of this fact.

[@USMCHelloKitty]

It’s been a rough week for me and my husband and this was what I need for reassurance and motivation.

[@suzboeh633]

Hope things are looking up for you!

[@caitox]

Can we PLEASE start a petition to get Rachel to live stream her watching Hamilton for the first time?? It's her patriotic duty 😂🇺🇸

[@cocoabeachcbbc1458]

I can’t believe, as a Swifty!, that she isn’t crazy about Hamilton… all the Swifties I know absolutely love it!! It’s the music

[@tduck828]

Hamilton was so AWFUL. I couldn't even watch the whole thing. It got shutoff.

[@tduck828]

I love Taylor but Hamilton sucked...not even close to the same.

[@Alexandra11090]

For the dinner situation, I’ve had a similar experience. Not with family, but with friends. I don’t drink, so my bill is usually much lower than most in the group if you itemize per person. With most of my friends, we just take turns paying, but if I’m in a larger group and close with everyone, I have a few strategies. If I’m close with the group, I just tell them I’ll pay for what I’m having because I budget. But that’s because I’m close with them. For those I’m not as close with or if it’s awkward, sometimes I’ll excuse myself early before the check comes (right after we eat) with an excuse and just say, “Here, this should cover my amount with a tip.” Or, if I’ve eaten with them before, I’ll have an excuse prepared and say to the group “I’ll probably have to leave early because of X, so I’ll need a separate check.” And then I’ll ask the server “Can you please bring my check with the food so I can pay right away?” Unfortunately, it does mean I leave these dinners early, but I don’t mind getting out a little early and not lingering.

[@chemquests]

I insist on separate bills. Just keep it simple.

[@janecusicscheller9784]

My granddaughter graduated from Ball State Univ. In 2023 and is still living at home because she is working 2 jobs to pay off her student loans. She is also paying rent to her parents and helping with chores around the house because both parents have health issues. She is a hard worker and has no credit cards!

[@stevenporter863]

ROE? She look into that? State school may provide the same without the big debt

[@TheColleendoll]

I had no idea about the Egale over the front door meant your house was paid for. My Dad had an Egale over the front door. Will have to put it up at Mom's new house.

[@EleanorRoseRyan]

One of the best episodes yet!!! 🇺🇸

[@joykinser3444]

It isn't guilt tipping, it's fear tipping. Often when you are asked if you want to tip in a non-traditional situation it is before you get your food.

[@stevehenkel354]

Rachel's laughter is contagious. I love it!

[@Jessica_Newell]

Rachel is a giggle queen in this episode. Lol. Bill at restaurant fires me up. I pay for mine and mine only. Best get on board! Lol

[@Eunoriaart]

The George snark in this episode was utterly delightful 😂

[@joannestanley8478]

Love you kids. 77 year old old lady here I can say that😊 Hope you and yours have a wonderful 4th of July weekend. God bless.

[@dtopping5961]

Oh no!! Canada is July 1!! 😊

[@vancityflyguy]

Yup, Canada Day!

[@ParkDari]

This thing of bridezillas and momzillas designing their own parties and expecting friends to cough up $$$$ is narcissistic and disgusting 🤮

[@Adnanhasb1]

Thanks for the share

[@stevenporter863]

14:17 Agree 100%. There is a point everyone needs their own independence to grow up.

[@kaysiehesebeck]

Concrete angels!!!!

[@denisemckinney3973]

I know I am old, but the song “Let Freedom Ring” by the Gaither Vocal Band with the spectacular tenor David Phelps, gets me.

[@tylerharrington1431]

Just here for my weekly dose of the George/Winston man crush.

[@tanjacavlovic8053]

Loooove the cat 🥰

[@ramonalofgren5552]

Loaning anything to friends that never return it breeds disappointment and a sense they lack respect for you. Gifts are all I do now too!

[@emoney1231]

Just realized I saw a bald eagle on Independence Day. It was at the zoo, so the symbol of freedom was in a cage, but...

[@RevT.]

Love this hilarious Rachel

[@sohoyankee66]

Ok my mom raised six kids when dad decided he really wasn’t into this parenting thing after all and took off. We lived way under the poverty line. Mom had nothing for herself. I mean zero. What was she going to put into her retirement? Dust? Every nickel went to keeping a roof over our heads. We all eventually climbed out and made something of ourselves. Of course we are now going to make sure she’s taking care of. George you don’t know everyone’s story.

[@sofiaalexander2997]

24:18 at Québec Canada we have school taxes that we pay when we hava à house and thats is on top of property tax

[@bettedavis9261]

The "school tax" is included in our property tax in my area.

[@denisemckinney3973]

Also tipping from the drive thru. I drove thru. You handed me something I am paying for. No tip.

[@b.c.2836]

I'll tip .50 but you better give me all the ranch I asked for without charging me

[@calvinwebb8949]

Love this episode. Interesting historical facts I didn't know also the tribute to America. However one song that didn't get mentioned was Lee Greenwood.."God Bless the USA". Love my favorite two personalities George and Rachel..I love the banter between these two. Happy Fourth of July.

[@naegwut]

Perfect! I don't tip if I'm standing

[@johnathansparks1678]

Taxation without Representation, A thought here. How can the government tax people receiving income that are working and under the legal voting age? You would think that this would be a no brainier. How do We the People allow this? Our founding fathers did not, so why do our teenage children? Someone in power needs to address this injustice. I can not be the only one to point out the hypocrisy.

[@BryanBalak]

Because most people under the age of 18 don't pay any federal income tax. They get it all back when they file their return. Most of them would also be claimed as a dependent by their parents.

[@agataparsons9427]

Some drinks suggestions for future shows: caipirinha, caipiroska, Fernet with Cola

[@EmpressMermaid]

Still think it's hilarious that so many still think Independence Day by Martina McBride is a patriotic anthem. Same with Born in the USA and Fortunate Son.

[@lindadorman2869]

My parents raised 4 children AND supported their parents financially. Dad worked for the same company for 30 years while Mom stayed at home. We had a new 5-bedroom house in the suburbs with a big yard, two cars, went on vacation every summer and a paid-for college education. I have no clue how they managed to pull that off!

[@bigm980]

The story behind the star spangled banner is absolutely awe-inspiring, beautiful and heart wrenching. If you don't know it, look it up (George not knowing about the ramparts made me think of this). Also, understanding its history just elucidates how far gone our education system is, when people kneel during it in the name of oppression/repression. The act screams profound idiocy and historical illiteracy. God bless the USA, good episode ya'll.

[@nataliearciniega2103]

What would you say is a more respectful way to bring awareness to oppression? I feel like kneeling is the most respectful way to do that... There's ppl that burn the flag

[@cassieschreier4571]

Martina sings Satin Sheets also! My great uncle wrote that song!

[@paulg2132]

We need to change the narrative on college to include trade schools. Including both whenever higher education is discussed will help kids plan better.

[@retnuh1262]

39:17 Canada has Canada Day (their independence day) on July 1st. Cinco de Mayo is not Mexican Independence day, it celebrates victory in a random war they had. Mexican Independence day is September 16.

[@xanaxkamikaze]

In the average CAFR, Sales taxes are about 30% of the average city's income. Services are about 65%. And Property Taxes are about 1-5% of the income. You could abolish property taxes and it wouldn't hurt anything. People should not have to pay taxes on their property. If you pay taxes on something you don't truly own it.

[@maryhatfield848]

Love this show!! You two are great together :)

[@chiaweinam]

Greatest country out there? I That's subjective

[@livs2014]

Hey George and Rachel, love your show! Just an fyi, Cinco de Mayo is not Mexico’s birthday (Mexico’s Independence Day)! Cinco de Mayo commemorates the 1862 Battle of Puebla which is a state in Mexico. It is not a national holiday in Mexico. Honestly it’s probably more celebrated by Americans in America than in Mexico itself. Mexico’s birthday, or Independence Day, is September 16. 😁

[@jesssc402]

Havent watched it but it’s sooo worth it! It changes your perspective - what matters and what really makes you happy. It improves your health too. Makes you realize that you’re not really missing out when you dont have “stuff”

[@stevenrburgoyne]

Canada day was 3 days ago (July 1). Boxing day is a shopping day on Dec 26 which used to have good sales, now it just sucks.

[@AdrienneInvests]

I need all things Rachel is a part of to include links to where she gets her clothes!

[@rachellemiller1859]

I loved this episode so much! I know the Revolutionary War stuff was a bit heavy--and the codependency--but I thought it was hilarious. Also, Boxing Day is the day after Christmas in all British Colonies/former colonies (I live in South Africa where we celebrate it). Canada's Independence Day is Canada Day which is just a couple days before the 4th, if I'm not mistaken. I loved this episode!

[@mouuseexx]

“Canada’s got uhh, Boxing Day” 😂

[@tonyavanveldhuizen3276]

You forgot My Country Tis of Thee

[@trentborgersen3596]

Our house my wife and I both have an allowance and big purchases are discussed between the two of us. The allowance is our dumb money that can't be questioned. This keeps us out of credit card debt.

[@bettedavis9261]

George and Rachel, you do know the lyrics of "Independence Day" are about an abused woman, right? Not the 4th of July.

[@bonniehalf-elven]

Just like "Born in the USA" is not a "rah-rah 'Murica" song, but I've already heard it today.

[@tidegirl6526]

Came here to say this

[@morganhough1022]

I didn’t know that! I guess you learn something new every day ❤🤍💙

[@jwarnstarsmile]

I think I was traumatized by the video when I was very young. I still struggle to hear the song without balling.

[@mademoisellesura]

@@morganhough1022Yeah! She burns her house down with her abusive husband, and herself in it. 😳 It does take place on the 4th of July though, which I think is why people associate it with that so often.

[@kishabeard683]

Rachel is not doing ok- made me bust out laughing 😝

[@emilyrichards7798]

I don’t think Boxing Day is Canada’s Independence Day. Canadians please educate us!

[@MONI-bj1ms]

England celebrates boxing day the day after Christmas Canada independence is July 1

[@sgb3139]

I laughed so hard when he said that. No, Boxing Day is the day after Christmas where stores put on massive sales and people go shopping lol. Our ‘Independence Day’ is called Canada Day and it is on July 1.

[@Krueger444]

Canada day is July 1st haha. Boxing day is a general Commonwealth thing and it's basically just the second day of christmas/black friday 2.0

[@sohoyankee66]

As for kids leaving the house it’s just not as easy these days. I recall when a janitor can rent a decent apartment on their salary. Today, with what new grads are being paid vs the current housing market or rent, who can afford it?

[@gabec1087]

Hell yea! The patriot 😂

[@Halfwaythere807]

I wouldn’t co-sign a loan for my niece who was going to use the money for college and gently and lovingly explained why and she never spoke to me again, that was several years ago and I tried to heal our relationship but to no avail. I was and still am devastated 💔 She is married now with children who I’ve never met. Money is evil on so many levels when it comes to family or friends and can ruin relationships😢😢😢

[@bonniehalf-elven]

That's on her, not on you. You did the right thing. Who knows where this would have ended with that entitlement attitude?

[@joannestanley8478]

It's too bad that happened. Enough time has gone by and she should have matured enough to realize your decision wasn't personal. Hopefully she'll come around one day.

[@trumancollie9]

So sorry she put u thru that.

[@chemquests]

Sounds like she wasn’t interested in a relationship if it was contingent on funding

[@JulsMWK1995]

I didn’t know that song either George. Paused the video to listen to it to see if I recognized it. Nope, never heard. I know a lot of music but never heard it.

[@Liz_AMusingWanderer]

This is hilarious 😂

[@hobbes1069]

Love you George but have to disagree with you on this one. If I can charge you on a RECURRING basis, that's not a tax, that's a lease. If the government can ultimately take my property for failure to pay property taxes. I don't own it. The government does.

[@zac.bolin01]

That’s what I’ve always thought… even if you “own” a house… you’re just paying to rent it

[@GavinnMarshall]

I find the moving out thing like if you pay rent and help with bills why is it necessary to move out a lot of countries your family will live together USA did it for a long time till like the last 90 years

[@stevenporter863]

18:30 I think George and Rachel are hung up on the choice of words. The allocated portion of the income: maybe fund the expense line is better. Yes, abused by some, but why assume everyone is abusing it instead of assuming financial 'guard rails'.

[@kds0638]

George, when you corrected Rachel on her usage of "me and Winston"... she was actually correct.

[@julieo330]

Incorrect. "Me and Winston are just going to have water" is 100% incorrect. If you get rid of Winston and just talk about yourself, you use the same pronoun when you add Winston back in. You would never say "Me is just going to have water." George is correct.

[@kds0638]

@@julieo330 if you were to phrase it as "Winston and I are going to..." and you removed Winston and just talk about yourself, you would never say "I are just going to..."

[@kds0638]

@@julieo330 you may be right, it's been a long time since I took that dang ACT. That's just how I remember testing a phrase on the ACT to see if it was correct.

[@julieo330]

@@kds0638 That is correct, you wouldn't say "I are going." But that is the verb you are changing. George was correcting her on the subject of the sentence. "Me and Winston" vs. "Winston and I" is the subject. That is where you can get rid of Winston (worry Winston!) to figure out if you should use me or I. Another example that people almost always get wrong is if she said "the waiter brought water to Winston and me." Me is correct here. Get rid of Winston and "the waiter brought water to me." He will never bring it to "Winston and I." I'm great fun at parties! Thanks dad!

[@saradeaton687]

Our property taxes are 75% for the "education" systems. And they decided they need to raise propert taxes another 50% to pay for a big shiny new school in a town of about 3000 people.

[@lindaparks4486]

How does tipping work for drive thru? Most wouldn't do it a Mickey D but what about Starbucks....Bread Co, etc.

[@LeadMagnet480]

Cinco de Mayo is not Mexican Independence Day lol

[@nathalyhernandez8658]

It’s called the Batalla De Puebla. When the Mexicans beat the French outta there 🎉

[@aliciaeasterwood]

It's very sad that the average American doesn't know American history. It's one of the reasons why our country is deteriorating from within 😢

[@MariaMendez-hu7bs]

Mexico's independence day is September 16th, not 5 de Mayo. Cinco de Mayo honors the 1862 Battle of Puebla.

[@Kornheiser10]

So sad to hear these Gen Zrs and Millenials getting their US History from a musical, when every Gen-Xr will tell you getting our US History Saturday mornings on TV from Schoolhouse Rock was 10x better.🤣🤣

[@rebeccagrainger5258]

this had the boat dealership role-play written all over it! hahaha

[@zefcypher]

I need to rewatch that bit 😆

[@alejandramarina4068]

Child of an immigrant here. I’d love to be able to share the Ramsey universe with my parents. Can you make a Spanish channel???????????????

[@alejandramarina4068]

Like the same videos just translated

[@bonniehalf-elven]

I had the privilege of singing the National Anthem several times for baseball games. I was with a group. We did it twice at Three Rivers Stadium and twice at PNC Park (I think - it was awhile ago), and once for a Scrappers minor league game in Youngstown, OH. So a story of the experience of singing at Three Rivers, for those who are interested: We went to audition in February (a snippet of our audition was on the evening news - our five seconds of fame, lol). The sound setup there was a nightmare - worst singing experiences I've ever had. They had two microphones that four of us shared. Those microphones had literally ONE sweet spot: right at the center and within a few inches. If you moved away from that spot, your voice cut out completely, so picture four of us on two microphones trying to make this work. In addition, the sound came out of the speakers a FULL SECOND LATER! This messed with several people who were auditioning. They sang slower and slower, like they were waiting for the sound to catch up! Thankfully, when they built PNC park, they didn't use that sound system anymore!

[@siouxsinner]

"we're probably not gonna do a bill" - Priceless!!

[@garlandofbooks4494]

I hate paying for government school. The whole question about splitting the bill evenly with everyone when you don’t partake is like me homeschooling but having to pay for everyone else’s government school plus my own homeschool supplies. If government school was GOOD, my children would be there. What government school really is, like everything government touches, is “too big to fail”. Problems? Children graduate illiterate? Just dump more money into the system. Look at the national report card. Things are not going well.

[@chubbyjetski]

Oh dear! George...CANADA DAY (July 1st)🇨🇦🇨🇦🇨🇦 is the day to celebrate becoming a country.. Boxing Day is the day after Christmas 🎄😂😂 which I believe originated in Scotland 😂

[@catherinejacobs4801]

Chasing financial freedom is better than running away from debt!

[@momofthewildplace]

Cost per glass?

[@charap515]

Love you guys! But you made us Canadian folk cringe big about the boxing day thing! 😂😂

[@lindawilson4625]

LOL! Hey George-Rachel's seemingly too light and casual (possibly wimpy sounding) delivery for the "Declaration" portion of your show is what actually works when dealing with a group of female friends & relatives you don't want to p-ss off :-) They will be more likey to get on board than get angry.

[@alanyoung159]

To reiterate George, I still don't know how a married couple makes having separate accounts work. Like he mentioned, if one spouse stops working for one reason or another, can be a weird situation. Imagine giving the husband an "allowance".

[@aliciafalendysz6231]

Oow! Pick me! I have a comment on the "allowance". It absolutely can't be called that ...by the bread winner but as a stay at home mama who was not helping our financial situation we went on a 3 year journey to stop being Dave Ramsey" ish" we met with a local Ramsey coach who expressed that how we talk to each other about money was our issue and boy was it and our motives (spender and saver, completely opposite personalities). I found Rachel and read every book and consumed everything you put out and it changed my mindset! I had listened to Dave but he was "mean" to me 🤣 Now I get it. Now we're a team. Now we're millionaires and I'm part of the solution and not the problem. So we call it an allowance for a lack of better terms but I don't care anymore! Perspective! Thanks For helping me guys! I never miss an episode!

[@jaimewilton952]

wtf - LOL Canada has Boxing Day!! Dec 26th is Boxing Day... How about Canada Day George. That drink sounds amazing though. Unlike last week sour milk.

[@Aquilasdev]

My student loans actually got forgiven. I’m not sure how it got approved, I never stopped paying. Even when I got an email that they were going to be forgiven I was like “yeah sure” and didn’t trust it. But they are gone now!

[@brieashley7227]

I remember, George. I remember.

[@firefalcoln]

My parents co-signed for both me and my sister when we were buying our homes. We both opted to buy larger homes and rent out the extra rooms as opposed to trying to buy the cheapest and smallest homes in our expense markets and slowly work our way up. My sister and I also both put about 75K of our own money into our home purchases. MY sister and I also had and continue to have great credit scores. Sometimes a good business plan just requires some vote of confidence from family when it’s earned in the form of co-signing. I do think co-signing for a car or other depreciating asset is a bad idea.

[@free2roam492]

Canada has July 1st George... lol

[@tressalewis7004]

I like the term financial peace. But I think I even prefer financial independence even more.❤

[@katezajac6730]

But as George and Rachel said can you really live in a developed society and be totally financially free

[@chrisbaker2669]

The best line for a person that asks you to co-sign for a loan is I don’t believe in debt and I don’t want to put you in a bad situation by co-signing for a loan that way you get to say no for the best interest of the person trying to borrow money.

[@carriem4689]

$176 billion in student loans have been forgiven so far. I am not sure why you say it hasn't happened. The Supreme Court turned down the original amount the administration wanted. They have been able to get smaller amounts approved, and they are not done yet.

[@chemquests]

The court decision was just to say the executive branch was exceeding its powers, but the legislature could always pass a bill paying for loan forgiveness

[@curvygirlzrock8836]

Everyone is laughing with u at The Mexican Restaurant, Rachel.. 😂😂😂😂😂😂😂😂❤

[@lynlyn1593]

lol Rachel

[@greenlantern1986]

How do people still not understand the Social Security in its current form will not "run out?" It will be less.

[@pennygiesbrecht3514]

Canada has Canada Day on July 1st, George.

[@DigiTiLMon]

I agree with Rachel about property tax. As long as you own it you have no option to pay or it will turn into debt. It could be bare land that no one lives on, but it's still due. I feel it produces the same slave mentality as debt. It's different than income tax, utilities and other bills. You do have the option to cancel it or if you don't earn income there isn't a tax due for just being alive.

[@NinjasRidingUnicorns]

Long time listener, first time commenter, but Rachel 😭😭 love the enthusiasm, but Cinco de Mayo is not Mexican Independence Day 😅 it’s September 16th. There’s a lot of history there though so it is a common misconception so I don’t blame you at all hehe much love 🤍🤍

[@NinjasRidingUnicorns]

Also I just saw my username and am laughing at myself 😂 I made this account when I was like 11 and did not realize I still had this name 💀