Know Where Every Dollar Is Going Before the Month Begins | April 24, 2024

The Ramsey Show (April 24, 2024)
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Rachel Cruze & George Kamel answer your questions and discuss:
- "Should I pay off my rental property?"
- "Should we back out of our new home build?"
- "Should I quit my side hustles?"
- "We disagree with how our church uses money,"
- "Where should I buy rental property?"
- "How can I start being financially responsible?"
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[@nataliamartin6411]

I can't imagine buying a $1.1M home with $130k income. What were they thinking??

[@Trustbutverify2651]

They weren’t.

[@martinmorris2570]

Buying a $1.1M home with $130K in income is doable. Taking on a $1M mortgage with $130K income is what was irresponsible and has me asking the same question.

[@SpicyKimchi-]

Great question.

[@HisGloryAlone_Papa_Chap]

How were they approved is the question

[@Nigriff]

Borrowing like congress 😂

[@averynmitchell]

1:51:48 Eric, if you're reading this, I want you to know I am so proud of you. I'm in my younger 20s new grad; I was in the same boat as you earlier this year dealing with depression + mental health and also resonate with being in that $40k salary range. It can feel hopeless with finances sometimes. You calling the Ramsey show and asking what the debt snowball is and taking initiative... that is absolutely amazing and I am so excited to see you pay off this debt and live a happy healthy life! You got this, we believe in you!

[@BecomeDebtZero]

Winston and George getting paid for drilling wells for off the grid people would be a show I would watch. Cruze and Kamel: Drilling for Gold.

[@tookoo3491]

First caller--GOOD QUESTION😂😅every question

[@DaRKWizaRdGaming0]

So annoying

[@rubygt2055]

I think it’s just a polite way to stall while he gathered his thoughts to answer the question. It sounds better than ahhhh.

[@RS-xq4hf]

I thought it was lovely! He seems so kind.

[@Indy__isnt_it]

You just hit a silly pet peeve on the head!!! Why do people say good question during an interview? To me it sounds a little rude, as if the guest didn't expect a "good" question? It drives me batty to hear it, although up to now, I never voiced an opinion about it. To me it really sounds like a rude dig before answering, as she did with every question. Not prepared? If I were Rachel I would have honestly asked her if "the next question is good enough?" Thanks for a place to vent about the same issue! I really want to know, fr, if that is a rude remark all the way through an interview? Is it acceptable to say it each time? I was watching a Dr explain something neurologically, the show host asked a question he hadn't planned on expanding into. In this instance, being an unexpected part of his narrative, but the question fit perfectly. It kept the interview flowing. And you understood the guest was adding a valuable piece of information. Just my view! It's been bottled up for years now! Lmao! I'm glad it's not just me, I would feel insulted had I been asking from a list of prompts., what if one's not good enough, no answer? Ha ha! 😂😂😂

[@melli-yelli]

“Move at the speed of cash”, I’ve never heard that before, i like it

[@MikeHamilton-hw8ik]

Happy birthday, Rachel Cruze 🎉

[@BeeDee-qs9so]

George suits Fatherhood. Such an adorable little baby Mia is.

[@calvinwebb8949]

George and Rachel are my favorite personalities.

[@sarahburggraf907]

Ken is mine

[@allisonautrey2136]

Same!

[@chief5981]

You’re my favorite, Calvin Webb.. 🎉

[@Nigriff]

George and Rachel are the Rated-G Ramsey personalities 😂❤

[@lindacondilli6494]

Yeah man. You get advise without getting “ramsied”. Lol.

[@kierabookamer3614]

lol George and his power tools! Well drilling and circular sawing 😂 these two are my favorite!

[@teresiaify]

My two favorite hosts

[@user-vc8vq9gv8k]

Mine too😅

[@juliestevenson3401]

Mee tooo!

[@mandypdx]

Same ❤

[@willtacoma2ndgen661]

I don't understand why someone would buy a house for a 1.1 million dollar home and not do their financing first to see if they will be able to afford it in the first place. She put 100k in a house they both know they can't afford it. People, please live below your means to prevent situations like this caller who loses all that money in a house that isn't built yet. It is a hard lesson learned.

[@jillofalltrades5216]

This absolutely blows my mind.

[@smg8498]

@@jillofalltrades5216worse than that….they leveraged their current house to come up with the down payment. So the $100K the put down on the second home actually cost them at least another $10k in heloc interest. So their total loss is higher.

[@amandaowens7568]

1 hr 49 mins. Thank you for your Service

[@amandaowens7568]

1hr 50 mins. Approx. Baby Nia is there to explain The Baby Steps😊

[@teresiaify]

Ouch for Haley. Thats alot of money and messy situation

[@katelinschey5863]

George's comment about "take a 20 year old to Europe and you can't expect much to happen" made me think of the LDS/Mormon missionaries. A lot CAN happen!

[@companytime]

5000 mortgage making 130 combined??? Uhh… what?

[@je11omo]

OH MY GOSHHHHHHHHHHHHHHHHH! GEORGE AND WHITNEY! YOUR BABY GIRL MIA IS LOVELY!!!!!!!!!! This TOTALLY made my day! I listen/watch you all on KZbin while at work and when I saw Mia on the camera I gasped out loud (a little louder than I thought) and my co-worker peeked around my cubicle wall to make sure everything was ok!!!!!!! Ha! Oh my my my, she is just so BEAUTIFUL! Thank you for sharing her with us, George! She is destined to do GREAT THINGS!!!!!!!!!!!!!!

[@brandymarks7509]

Mia is adorable. Her hair!!

[@treesarecool]

Omg! George- she’s absolutely beautiful!!

[@twyiatv]

My income is about $175k.. my home was $221325. These people are In. SANE.

[@AnnBryant-yr3uk]

My favorite duo!!! I love you George and Rachel!!

[@UncleDavesKitchen]

I love George. These two are so good together.

[@melli-yelli]

Awe!!! Mia is soooo adorable!!!!

[@Kabavkaz]

Good question

[@Lovingmylife24]

George’s baby is so cute 🥰 George ignore the keyboard gangsters. Some people are just mean and immature bullies.

[@kathleenharrell2724]

Great episode, love this show.

[@lpfakalata3730]

Love this show

[@michellehouston4166]

I love it! Good Question!

[@SpicyKimchi-]

So many good questions!

[@billscruggs5170]

Great. Show You to, make a good team on the air.

[@saradeaton687]

Our church has a yearly financial meeting, and we can ask for information at any other time.

[@Nigriff]

Paris needs Jesus as much as anywhere 🙏🏼

[@user-ld6uz8sj9h]

those two military people with the million-dollar problem- this is one time where I would actually tell them to go with family that parents that we're going to help them versus eating a hundred thousand dollars! that's just too much money to throw away. it sounded like they could easily move in with the parents sell and sell both of their houses-hopefully not lose their life savings!!!

[@BoltActionBob]

George, I'm glad you remembered it was school picture day today

[@s.st.9371]

I went through FPU a long time ago. I'm starting over and was wondering if I have to pay for the Premium Every Dollar or if I could get a code. Please let me know.

[@yontine]

That’s interesting because my local church did not fund my missions trip and I’m paying out-of-pocket. I’m not sure where my tithe is going to and I serve in the media ministry where we still work with old equipment that keeps breaking down and in need of an upgrade. 🤔🤷🏽‍♀️

[@melanierhine593]

Mia has your hair George!!!

[@frenchy1220]

I know the military VA loan allows you to borrow as much as you want but holy shit $1 million mortgage with 130k income is insane

[@judwalter1]

Love getting to see Mia!!

[@ItsmeCote]

Yikes for Haley. I'd disagree with the recommendation. I would seek financing among the family before losing $100K ($75K US). Then when you get the financing sorted out, I would consider flipping it and possibly renting it until it's sold.

[@tijocreates]

Drilling rig definitely a possible side gig opportunity! Hard to find anyone to call us back for our rural property regarding a redig.

[@theclothingcottage]

I wish there was a number of times you have to listen to a particular ad, and then you can skip it.

[@motoryzen]

Yes permanently

[@TheOriginalMrB]

Except when the ad is over an hour long.. I’ve gotten those on videos that are less than 20 minutes long.

[@motoryzen]

@@TheOriginalMrB sure kid. Whatever you need to tell yourself to make yourself feel important. And our is longer than 20 minutes kind of impossible

[@TheOriginalMrB]

@@motoryzen Kid? Haven’t been called one of those in 40 years.. thanks for that, I guess? Video playback runtime doesn’t include the advertisements the platform drops into the playback, so not impossible at all. I’ve had several advertisements recently on videos that are ridiculously long for the video. One I tend to get often looks like an infomercial for a financial planner interviewing clients in podcast style. As for feeling important, not sure where you get that from a comment on a video.. Sorry if my comment was somehow offensive to you. I only was pointing out I’d rather not have to watch an extremely long ad all the way through a few times before I was allowed to skip it..

[@motoryzen]

@@TheOriginalMrB not my problem you don't understand simple math involving Time 1 hour is greater than 20 minutes

[@Nigriff]

It's ironic the lady from Houston is calling about the martial arts school struggling while a few months ago a guy from Dallas called in who runs a martial arts school making over a million/year.

[@joeriveracomedy]

1st guy: sell the rentals. Live off the interest.

[@melli-yelli]

If Tanishia gets a condo, they’ll be an HOA fee, which can be very unpredictable, a single family home would be better.

[@Trustbutverify2651]

HOA fees can eat someone alive. I don’t know WHY they never mention that aspect on this show. They can go up dramatically at the drop of a hat!

[@melli-yelli]

@@Trustbutverify2651 and like rent they can go up like crazy. Its really not safe because you can say well its so high now, i’ll sell but who’s going to buy. I had a townhouse and got a great price when interest rates were low , the condo fee was ridiculously low, i knew nothing about HOAs. $50 bucks only. Then years later i had to pay for my own roof and then later to pay to hook up to town water as the HOA did not have enough funds. It steadily went up up up until finally the board decided you vote over and exercise their power and they felt the place was falling apart. So they did a whole house wrap project. New house wrap, siding, flashing etc. People freaked out but the board had the legal power to say it was immediately necessary otherwise it would soon be dilapidated Anyway the condo fee when i finally got out was $475. Like Tanishia, i was a single mom, better to save money yourself and get your own repairs and mow your own lawn. Its hard after working all day but at least it’s yours.

[@Trustbutverify2651]

WHY do the RS people never mention additional taxes for second jobs? A $25,000 dollar debt cannot be paid off in two years just by dividing by 2 and then 12 for the monthly! TAXES and other deductions come out first. STOP being overly optimistic!

[@tidegirl6526]

I cant know where every dollar is going before the month begins. I dont know exactly how many dollars I will have until payday. I budget my bills at the start of the month, variable expenses i budget by paycheck on payday.

[@yeseniaarballo4793]

Yes this.

[@flip4v]

Can you track your average pay and average bills and try budgeting around those numbers? Not being sarcastic, truly asking. I have to average out my electric and water, only 2 variable bills for me monthly and then I set aside an amount for buffer. I get paid hourly so I do know roughly how much I will get paid every 2 weeks/monthly. I think there was a tip one personality gave with inconsistent pay and using your lowest month to budget off of to be safe. Is that possible?

[@rachaelholderman9677]

​​@@texasskygirl7890I do this too and when each paycheck comes in I make adjustments as needed. Since I'm the nerd I am in the budget every couple of days at least making sure it still is working as surprise things come up and I forget things too.

[@seannicholas6629]

Water could be based of of what you paid this time last year if it is based on time of year or you could due it on an average of past 12 months and lower months put in a sinking or peaks and valley fund.

[@tidegirl6526]

@flip4v I do know roughly, and my bills are a month ahead in a seperate acct on auto pay. When I move bill money in April it is to pay May's bills. But the title says know where EVERY dollar is going before the month begins. I can't do that because I don't know exact amounts. I sit down each payday and decide where the rest of the money will be allocated...variable expense, savings, and sinking funds.

[@striperkid]

Elise from AR......the advice they gave her about the well drilling was fine however, they never asked what she did for income. While her husband earns $60k a year, what about her? Is she a stay at home mom where she can't work? Can she get a job to help speed up the savings?

[@MariahBaker17]

My daughter Adeline is the same age as little Mia! Sooo cute🥰

[@mattTHEEgreat]

Unless you are gonna start a well drilling company don't buy a well drilling rig, idk how to drill a well but I'm sure it's more complicated than just drilling a hole in the ground.

[@MaMa-jh6bb]

OMG!!!! Mia is the cutest 🥰😍

[@juliestevenson3401]

Mia ready to take the mike. She’s adorable

[@anointedbeau]

That was sweet to see Mia❤

[@personaltrainer1]

George!

[@jez5855]

Mia's beautiful ❤️ great to see her. My first daughter is about the same age.

[@bettedavis9261]

You should probably call tfeir customer service number to get that answer.

[@hpymaggie]

What about her Social Security Retirement income?

[@brookebales2931]

🌸🌸🌸🌸🌸 And Baby Mia, she’s precious! 🥰

[@sarahsmith2579]

Is it ok to budget fortnightly - I get paid every two weeks and I am terrible at leaving money unassigned until the start of the month. I am kind of budgeting

[@motoryzen]

Fortknightly? Just do a budget every single paycheck every time

[@Trustbutverify2651]

The premium version of Every Dollar helps with that and assigning different bills to different paychecks.

[@bettedavis9261]

​@@motoryzenfortnightly is every two weeks. That's how they get paid, so yes, they can budget fortnightly.

[@jennafairhaven9084]

Really would have liked to have heard a little bit of rain or cistern collection as a counterpoint to digging a well. That's something that they could definitely do themselves as far as rain collection and might be a lower price point until they save the 30k to link to the city.

[@bettedavis9261]

To be fair, Rachel and George were out of their depths on this call. I doubt they had the knowledge to even ask your fabulous question.

[@jennafairhaven9084]

@@bettedavis9261 I'm continuously blown away by the breadth of possibly contingency options Dave can rattle off and the going rate for price point.

[@alleykeosheyan4779]

Depending on where they're living, rainwater collection might be illegal - I've heard that some cities have actually banned it, in the US! Isn't that insane?

[@BeeDee-qs9so]

You can’t expect people thirty years younger than Dave to have Dave’s experience. How many areas of expertise should they have? Between the expectations of financial advisors (which they aren’t in the traditional corporate world), to education counsellors to construction and real estate professionals…..the list grows daily. Rightly or wrongly, I don’t think any of them pretend to be anything other than experts in the debt-free Ramsey way of living, although individually, they excel in their own areas. I think they do a great job with it, but for anyone looking for more I would hope they’d seek additional advice from experts in Those fields rather than relying on RS for everything. Dave has already transitioned to other areas of interest.

[@bettedavis9261]

@@BeeDee-qs9so well stated. The calls have gotten more and more nuanced the past couple of years. They used to be much more straightforward along the Baby Steps lines and easier to answer.

[@marydeveraux3074]

Would have been nice to know what caller one did for a living to make $300,000 a year. That should be a regular question that they always ask. :((

[@PANG_671]

I wonder why if you’re making 100,000 a year and living with no rent. Why only 50,000 a year to debt? So how much actually of your annual income should go to debt?

[@Handsoflight7766]

Îm assuming the $100000 is b4 tax

[@PANG_671]

@@Handsoflight7766 still where’s the 20,000 going?

[@TheGomez1105]

Did she say a 5k monthly mortgage payment! 😮

[@Truckerdaddy]

What happened to wanting folks to be net worth millionaires before buying a brand new vehicle?

[@GeorgeKamel]

That’s still the case. Who said they’re buying a brand new vehicle?

[@Truckerdaddy]

@GeorgeKamel the guy making $120k who owns a small business and has the $3500 suburban. Granted he didn't outright say it was new, but when he said $40k-$60k it's pretty easy to assume it's new.

[@pamdanner3274]

Not paying employees is against the law. Unpaid employees should report this to the Fair Labor authorities. This will have a bad outcome personally if this continues. It is immoral…theft of services.

[@SofiaisSunshine]

Why doesnt the every dollar app allow multiple users to access so you can view the changes made by the other person? Using the same login is ridiculous. No receipt scanners or actual expense tracking or exporting capabilities… its just lazy

[@rachaelholderman9677]

they are always looking for feedback in the EveryDollar system. There is a feedback link to submit then they will contact you for clarification and provide more info.

[@karalove3470]

Do you have premium? It has a link to your bank accounts so you don't even have to scan receipts.

[@gok46]

It seems better to owe the parents rather than losing 100k, especially if they have multiple properties. Definitely disagree with this advice of losing the deposit.

[@myoldvhstapes]

Elise should be able to hire a well-drilling company. I don't understand why she is limited to BUYING a drilling rig.

[@timothynelsonmusic]

Baby Step 8: Have written Baker Street

[@amireallythatgrumpy6508]

Happy ANZAC Day to those downunder

[@sarahburggraf907]

Whats that

[@amireallythatgrumpy6508]

@@sarahburggraf907 A memorial day in Australia/NZ (anniversary of the Gallipoli landing in WWI). ANZAC = Australia New Zealand Army Corps.

[@sarahburggraf907]

@@amireallythatgrumpy6508 you learn something new every day😄

[@michellewagoner8194]

George why didnt Zander catch this rather the debt collection company called you and brought it to your attention. This is scary since I also have Zander to keep this from happening. I do have a freeze on my credit report also

[@myhappyspace4533]

1:28:00 Name me any country in Europe that is heavily Christian

[@kimberleyhosmer5997]

Sounds to me like the side hustle lady needs to get a signed agreement and be ready to take him to court. Also sounds like the boss might be hiding some sort of addiction. Gambling? 🤷‍♀️

[@budgillett]

Latter-Day Saints make real sacrifices and go on actual missions, not these mission trips that appear more like vacations. If you want to support a young sister or elder missionary going to 3rd world countries, evangelizing in other languages, spreading the gospel, or even going on a full-time service mission in countries that don't allow Christian missionaries, then support the missionaries of the Church of Jesus Christ! God bless.

[@beth6287]

I popped over here from the podcast to see the sweet baby! She was worth all the trouble.

[@striperkid]

Haley from Canada..........a million dollar mortgage on a combined salary of $130k ?? Holy smokes, how could you not see this could never work !! Back out of the deal and forget that $100k. I bet you'll never do that again.

[@motoryzen]

And the fact that her husband's military which means the government can decide where you're posting when they wish not when you think or where you think . They did not really think this through

[@Scrivywife]

Don’t sell an acre & a half. 😩 Oh you’ll so regret it! Just work hard & pay off your debt!

[@techismycologne]

I want to know how the couple from Ontario even qualified to get a 1.1 million dollar home on a $130,000 income.

[@petrospantelis]

Walk away from their 100k deposit? There was no other option? Negligent advice.

[@danieltik]

Andy at 41 minutes is already earning more working from home. He just doesn't know it. Do the math again

[@PattyCakeJake]

Petition to replace Dave with Mia... 🤣

[@rus-wu5uf]

I had to stop listening when the caller mentioned "COVID" like ten times.

[@fire12731]

I can’t believe people

[@greggjohnston814]

Pd house , 21000 personal loan 295 in401 k im60 should withdraw and pay loan it's my last bill mo50 still working till 65

[@melissarivas2483]

Omg to loss $100,000 I can’t imagine

[@AllThingsMoneyandTech]

The owner is breaking labor laws, maybe she just needs to go to the labor department.

[@user-ld6uz8sj9h]

I can't believe they're telling her to eat a100k. you should go ahead and close on that million-dollar thing. then the next day put it up for sale. got a better chance of selling it because the people can't repo for good 6 months. don't eat no hundred thousand dollars are you kidding me

[@Deashane]

He is lying about some of his responses! He is a surgeon or in a field of medicine. He is in his late 40s or 50s. Indian and caring for his family while simultaneously keeping up with the JONES a little. He's an over thinker, safe, and cheapskate at the same time, but very hardworking, dedicate, and kind. He needs to pay off his current 2 mortgages then wait a few yrs and buy the 800k home. Truth was that he does have a 200k property with 25k mortgage left. Lie was that he has already an 800k property and only has 125k mortgage left with 2k monthly chargeable potential monthly rent. The home is 300k and 2k monthly rental potential. No one in their correct mind would charge just 2k on an 800k home. Hes doing well but stop the CAP is all. Im sure hes 1st generation American with immigrant parents. Comingfroma37yrold15yrblackNursepractitioner that knows this lifestyle is all

[@jonovitzki8667]

Mia! *gah* You’re such a gorgeous little girl. ♥️

[@superiorjr154]

Where’s Dave? I haven’t seen him.

[@flashthecorgi2053]

He’s been at Entreleadership summit in Dallas with the crew (Dr. John, Ken, Jade).

[@insanedrummer89]

100k loss 😮😮😮

[@jaykinglv7965]

We need the OG Dave back 😢

[@masi2975]

Did they just suggest to that lady to walk away from her $100k deposit??

[@manubansal1979]

Yup!

[@chickendoodles3566]

At the end of the day, they didnt think out the whole plan, and signed the contract. At best they get a lawyer and fight it since the builder has taken so long, but still the other option is staying in a home they cant afford what so ever. Its their own fault really

[@notgivingmyemail3381]

If there’s no way out of the contract they could complete the purchase then turn around and sell it, but they’d still lose a lot. A quick google search says that home prices in Ontario from November of 2021 to March of 2024 actually dropped a little, so current market is roughly what their purchase price is. So if they buy then sell they’d lose $55,000 (5%) in realtor fees off the top. If they cleared $300k from current house a 7% mortgage on the $800k balance is a touch over $4,000 a month in interest. I don’t know how long it takes to sell a million dollar house, but given the price is the same as three years ago six months may be a good guess. There goes another $24,000. So if they buy the house, that they will be foreclosed on if they don’t sell, the loss could still easily be in the $79,000 range. They’d also have to pay realtor fees on their current home which would make the loss seem greater than $100k. Since they’re a military family that likely would have to move and sell the current home anyway we won’t include that commission. Would $21,000 in savings be worth having to move twice within a few months time just to turn around and move a third time when they get stationed somewhere else? I hate moving so I’d pay the extra $21k (forfeit the deposit if the lawyer couldn’t get me out of the contract) and stay where I’m at. Of course I may be a little biased, I lived in 13 different cities the first 23 years I was married.

[@smg8498]

@@chickendoodles3566the builder will win. The Canadian govt imposed a 2 yr lockdown, so you can sue the govt. builder was living inside the same restrictions. They borrowed $100k in a heloc on their current home. They should NEVER have even gone this route in the first place. They leveraged themselves out on the end of the plank and lost. Even if they sold their house and put that against the new mortgage, they would likely default on new mortgage because it will be near 1/2 of their income. Any more “life” events and they are hit. At least at their current home they are around 1/3 of income with mortgage. 14-17% income differential is not a trivial amount

[@smg8498]

Girl needs to collect rainwater too

[@jonr9659]

Episodes been boring lately. I need a show dedicated to only baby step 2s where people are really struggling

[@Sheshe661972]

It might be feasible to go back to some of the older videos. As many as he has, I'm almost certain there has to be something concerning that issue.

[@nikki4911]

I agree! Keeps me focused

[@karalove3470]

Variety makes it better!!!! Agree you could go to older videos and skip through to hear more baby step 2 stories.

[@dct623]

Too bad it's not the Jon show

[@Pidol.Chichi]

Hearing peoples struggle too much makes you mentally stuck to moving forward to baby steps..

[@Mr.Tee-]

🥈 2nd😂

[@XennialGuy]

First 🥇🏆

[@ryanjackson4597]

George comes across low key Anti Ramsey

[@Asalmon879]

You don’t understand his sense of humor

[@ColeCarden]

Houses are getting 68% cheaper a year if you save in bitcoin 😎

[@zachschwartz1586]

With a 10 year track record 😢😢

[@byuvar]

If there’s no Dave, show can get quite boring