Jade Warshaw: $460k of Debt Eliminated by Taking Ownership

We've got Jade Warshaw from Ramsey Solutions!
Jade and her husband Sam became debt free after paying off $460,000 of debt in less than 8 years.
We’re going to learn how they accomplished this family financial goal and what they’re doing with their money now.
CHAPTERS
0:00 - Intro
0:45 - Why Did You Want To Become Debt Free?
1:20 - How To Accumulate $460K in Debt
3:45 - Increase Income vs Decrease Spending
4:55 - The Beginning of Jade's Business
6:00 - Multiplying Yourself In Business
7:00 - Avoiding Burnout
7:48 - Working Together As A Couple
9:15 - Paying off $460K In Debt
10:38 - Working For Dave Ramsey
11:45 - What It's Like After Paying Off $460K Debt
13:17 - One Step To Start Paying Off Debt
14:33 - Outro/Where To Find Jade Warshaw
#DebtFreeLiving #DebtFree #DebtFreeCommunity #FamilyFinance #personalfinance
RESOURCES
Jade Warshaw (Website): www.ramseysolutions.com/jade-...
GUEST BIO - Jade Warshaw
Ever since paying off over $460,000 in debt with my husband, Sam, I’ve been coaching others on how to pay off their own debt by shifting their mindset, beliefs and actions around money. I absolutely love talking to people about all things finance (especially if there’s food involved), and I can’t wait to get to know you!
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MARRIAGE KIDS AND MONEY:
This award-winning blog, podcast and KZbin channel are dedicated to helping families build wealth and thrive. Each week, Andy Hill shares actionable advice and tips for family financial independence. Also, he interviews personal finance experts, families who've achieved financial independence and debt-free parents to inspire you to do the same.
BIO - ANDY HILL:
Andy Hill is the award-winning family finance coach behind Marriage Kids and Money - a platform dedicated to helping young families build wealth and happiness.
Andy's advice and personal finance experience have been featured in major media outlets like CNBC, Forbes, MarketWatch, Kiplinger’s Personal Finance and NBC News. With millions of downloads and views, Andy’s message of family financial empowerment has resonated with listeners, readers and viewers across the world.
When he's not "talking money", Andy enjoys being a Soccer Dad, singing karaoke with his wife and watching Marvel movies.
✅ CONNECT WITH US
Instagram: / marriagekidsandmoney
Facebook: / marriagekidsandmoney
Blog: www.marriagekidsandmoney.com
TikTok: / andyhillmkm
Podcast: www.marriagekidsandmoney.com/...
Facebook Group: www.marriagekidsandmoney.com/...
Twitter: / andyhillmkm
Subscribe to my KZbin channel today to strengthen your family tree and live financially free!
DISCLAIMER
This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone, and this content has not been provided by, reviewed, approved or endorsed by any advertiser. Information shared on this channel is for entertainment purposes only and should not be considered as professional advice.
Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com.
CREDITS
Research & Writing: Andy Hill
Video Editing: EditVideo.io
Thumbnail: Ardi, The Thumbnail Wiz
Channel Management: Josh Doering

[@mariorta5017]

I ❤Jade. She is so awesome. Love the way she talks, just straight. I was $320k in debt, we started Dave baby steps at the beginning of the pandemic, and now we are $60k left. We are exhausted, happy, emotional, and proud of our hard work.

[@MarriageKidsandMoney]

That's incredible progress! How are you going to celebrate? What will be different for you when you're debt free?

[@mariorta5017]

@MarriageKidsandMoney We are planning a trip to Alaska and watch the Northern lights. After we finish the debt, we will continue living within budget and planning for purchases, trips, and house renovations. Most of our snowball is going to investments and retirement.

[@MarriageKidsandMoney]

@@mariorta5017 Love your plans!

[@Clauds71]

Wow 😅

[@MattyLiam333]

Wow great job!!

[@franziskani]

denying yourself things and waiting for them actually can increase the enjoyment. As Jade said: she hustled and sacrificed for 7 years, and then it felt so good to enjoy Black Friday and shopping (within a budget - but they made it high). She still remembers and she still feels the joy. It lasts longer !

[@MarriageKidsandMoney]

Great point!

[@mr.hotdogseniorrescue6823]

Jade is absolutely BEAUTIFUL! Beautiful skin, smile…etc! 💓❤️💕🥰😍 Love her quick thinking & her outgoing personality! 💕💓❤️

[@Clauds71]

So proud of you Jade 💚👏🙏

[@MarriageKidsandMoney]

Isn't she inspiring!?

[@anthonywilliams9415]

She reminds me of Karyn Parsons

[@DaveM-FFB]

I'm happy for her. She's quite lucky because having that much consumer debt often destroys a marriage. I wish them the best. Nobody should ever carry a balance on a credit card or take on a personal loan. Car financing shouldn't ever be longer than the warranty period (3-4 years), with the overall payment being

[@badlands9100]

Beautiful story Jade! Thank you for the motivation!

[@MarriageKidsandMoney]

She's an inspiration for sure!

[@keekee8760]

Great video , thank you for sharing. I just love Jade😀. I really enjoyed watching this video 😀.

[@MarriageKidsandMoney]

She’s an incredible example for all of us!

[@keekee8760]

@@MarriageKidsandMoney She sure is😀

[@Brandonjwellman]

Another great interview! I think I started watching you around 2k subs. Great to watch you grow. I feel like you’re about to explode! Keep giving us great, inspiring content.

[@MarriageKidsandMoney]

Thanks for being a subscriber for so long! I'm happy you're enjoying the videos and getting inspired! :)

[@katysummer9418]

Great story! But many times people just want what they can't afford and the banks make it so easy to get loans or credit cards.

[@MarriageKidsandMoney]

Absolutely. It's a major problem for many.

[@robertmorris2576]

Amazing video, Andy. I liked Jade first time I seen her on the Ramsey Show. It's so Amazing what they went through to pay off a huge amount of $$$

[@MarriageKidsandMoney]

Jade and Sam are inspiring! Thank you for watching!

[@Judi4Him4Ever]

I love Jade! And that tee… man, it rocks!

[@MarriageKidsandMoney]

She's inspiring for sure!

[@MarriageKidsandMoney]

What do you think of the advice from Jade Warshaw?

[@judithgrace9850]

I do not like her. And feel she is a side piece of hypocrite Dave.

[@MarriageKidsandMoney]

​@@judithgrace9850 You don't like her or you don't like her advice? There's a big difference.

[@hikerhobby1204]

@@judithgrace9850Why is Dave a hypocrite, please?

[@tiberiajames5997]

​@@judithgrace9850why do you think Dave is a hypocrite? He knows what it is like to be living paycheck to paycheck but also to be financially stable. I remember he went from wealthy to losing it all at one point.

[@lynnroberts76]

@@judithgrace9850please explain the hypocrite part. Strong word with no basis in fact . That would imply they actually have debt and do not live the Baby steps.

[@ItsMe-ko6sz]

Andy, criminal that you only have 9k subs at this point. I think your subs will snowball pretty quickly though at some point and take you over 100k

[@MarriageKidsandMoney]

Too kind! I’m too stubborn to stop so you’ll keep seeing more of me in your feed 😂

[@garybrinkman1343]

Such a great interview from both sides. Thoughtful leading questions and enlightening insights and answers!,

[@MarriageKidsandMoney]

Great compliment! THank you!

[@33ladyRAM]

Phenomenal 👏🏽 ❤ Jade!

[@MarriageKidsandMoney]

Isn't she inspiring!? I'm excited to see how she takes off with the Ramsey crew

[@Allan_A]

Awesome interview Andy. To me Jade seems like the most relatable of the Ramsey personalities 👏

[@theadamblock]

Jade brought me back for a short time then Dave lost me again.

[@MarriageKidsandMoney]

Jade is dynamic, personable and FUN!

[@mranderson8725]

@@theadamblocklol😂😂

[@jtixtlan]

People need to give their teenagers the truth that they must make financially responsible choices about education. Don’t tell them that they should just follow their dreams and hope that the government will someday relieve them of their debt. Tell them to say no to the immense greed of the universities. Find a better way to get the degree. You don’t need to live on a campus and party and drink for four years for $200K. No. Use the community colleges and online courses, work full time for companies that reimburse tuition. Say no to the usery.

[@MarriageKidsandMoney]

Absolutely!

[@mpumiontheweb514]

Great interview, and so motivating.

[@MarriageKidsandMoney]

Glad to hear it!

[@TheRealEdStoner]

I would like to know if their degrees truly helped them. This was a lot of money to spend if you play in a band.

[@noreenn6976]

That is a huge amount of money to spend to be a musician

[@clarenceishmael9615]

She's a Gem! 💎💖

[@MarriageKidsandMoney]

For sure!

[@MC-xf8bu]

Beautiful lady!

[@MarriageKidsandMoney]

With a beautiful message too!

[@barrybegley5379]

JADE is such a "breath-of-fresh-air". She is MULTI talented and she has a rich and vibrant personality that draws people to her like a magnet. A wonderful, wholesome, strong and bright individual who gives very sound financial and Life advice. Always a joy to watch her. Looking forward to viewing some of her musical talents as well. Thanks for sharing your most interesting life story. Greetings from Ontario, Canada.

[@MarriageKidsandMoney]

Absolutely! Jade is inspiring us all to win!

[@KateWilliam75]

"You cannot blame your way to a better life" ... such wisdom.

[@MarriageKidsandMoney]

Agreed!

[@christinab9133]

❤❤❤

[@MarriageKidsandMoney]

Thank you!!

[@akc783]

When I see Jade Warshaw, I immediately click. She’s the real deal.

[@MarriageKidsandMoney]

She absolutely is!!

[@anthonywilliams9415]

Fine AF too.

[@OLaniTunes]

She looks like a younger Whitney Houston.

[@MarriageKidsandMoney]

She sings like one too! An incredibly talented woman all around.

[@anthonywilliams9415]

She looks like Karyn Parsons

[@MiguelDLewis]

"If you want to be effective in leadrship, you have to learn how to multiply and duplicate yourself." 🤔🤔🤔

[@MarriageKidsandMoney]

Sage wisdom right there!

[@thomaschew2191]

Jade is a great example of how fighting the good fight, going from deep debt to saving for the future and financial freedom changes a person or couple and installs a confidence that even those with high incomes but big debt...lack.

[@MarriageKidsandMoney]

Absolutely! Jade is very inspiring!

[@TheKonnoisseur11]

I knew her husband would be

[@johannees622]

$280,000 in student loans wow 😮

[@gregorio3292]

that look like a movie !!

[@MarriageKidsandMoney]

Glad you enjoyed it!

[@MrSteelermaniac]

Would like to know how they did it. Of course you need to take ownership before you start.

[@MarriageKidsandMoney]

Check out 3:48 -- it's all about increasing income (for her it was business ownership) and decreasing expenses

[@davidwolfe7777]

It was saying no to oatmeal 😅😅😅

[@DarkJustice1999]

I want to be out of debt. I know the pain of over $230,000 in student loans. I am going to listen and make the steps they did. Wish me luck!!

[@MarriageKidsandMoney]

You've got this!

[@fernandohernandezjr5696]

She so beautiful

[@ABSG7]

I like how Ramsay is hiring POCs

[@K717MOS]

Love Jade!! She’s so dope and FINE 😍😍😍😍😍

[@MarriageKidsandMoney]

Agreed!

[@su-mu]

5:01

[@MarriageKidsandMoney]

Great points made there by Jade!

[@unbothered6357]

Student loans $280k To earn a cumulative income of $30k Wait….. What🤔❓❗️

[@Onlinetheatreandvoiceacademy]

Yes! I wish high school seniors were taught return on investment by their counselors

[@TheFirstRealChewy]

I was paying 0% on a loan for a year and a half. I still had more than year left to pay it off but paid it off a few months ago. Sure I could invest the money, but I just got tired of paying debt.

[@MarriageKidsandMoney]

Love the dedication ❤

[@MT-yx5cu]

Her story is encouraging; however, I thought she and her husband heard of Dave Ramsey while driving in the car with her brother and they became interested. That's the story he told 5 yrs ago. I just saw the video. Weirdly she and her husband's story never line up. It happened on a Dave Ramsey episode recently when her husband was a guest. They may need to get their stories straightened out before being interviewed.

[@BloomByCC]

Couples remember events differently ALL THE TIME… all the time…

[@MT-yx5cu]

@@BloomByCC I understand that completely, but in these two instances the stories were very different. Someone was flat out lying 😄. I got second-hand embarrassment during the 1st incident on Dave Ramsey .

[@gonzaga45377]

It doesn't matter how they heard about Dave Ramsey. 10 people could watch an incident happen and all ten would have different stories. What is relevant is how they got out of debt.

[@MT-yx5cu]

@@gonzaga45377 it matters to me, which is why I mentioned it. Thanks for sharing and have a nice day.

[@samuelwarshaw1948]

Not that it matters one bit, but yes we heard Dave on the radio in 2007 Together. Jade gave a quick answer - seems you missed the point of the interview here.

[@donaldlyons17]

Well no you know better yourself people cant think their way into something without a mathematical way of getting there!!! I know because you commented to me making 200K a year "helped" you reach 1 million. Well by my math 200K is about 2 million dollars! So exactly how is someone making 50K doing to reach 460K without taking 10 years at minimum. You yourself must understand math has a lot of way of not working out because it is math!!!!

[@specialbeginningsmidwifery9294]

Haha. I thought Jade had a channel. I immediately subscribed then realized she was a guest.

[@MarriageKidsandMoney]

She's on a Ramsey team! So you can find her there too :)

[@kevinhartmanjr6951]

She’s NOT wearing a Wedding Ring 💍…hope she didn’t sell that to be one Debt Free….😳😮😕

[@sharondalynnewton7562]

I sold mines. We are still married and live and respect and carry ourselves as a married couple.

[@roolyfe]

Receipt 🧾 or it’s all show 🎭