No One Gets Peace From Disorganized Chaos | May 21, 2024

[@eyebrow1]

Dave is the only person that will call a grown man “honey “ .

[@leslievasquez7687]

😂😂

[@jackslove958]

😂

[@lisasmilez]

😂😂😂😂😂 hilarious

[@gymartist]

🤣🤣🤣

[@Nigriff]

He's low-key gay 😂

[@soniamaldonado6906]

Dave is so good at giving the husbands advice trying to get their wives on board with getting out of debt. He knows exactly what to say. Go, Dave!

[@nowthatsurban]

That first sentence hurt my brain.

[@bettedavis9261]

Much better than the advice he (and Dr. John) give to wives to get their husbands on board. "I'm so scared about our finances, I can't breathe..." If I said that to my husband, we'd both fall over laughing. That's not how we talk to each other.

[@Ytorisv]

Gotta hold hands

[@frederickvalencia4976]

Lol it makes sense because he had to convince his wife.. hey honey I know we are bankrup with 3 kids. I got another great Dave idea 😂

[@Joce123]

Maybe on board ONLY WITH SEPARATE BANK ACCOUNTS.

[@erzabetf9544]

When the only thing a man can say about his partner is that she’s beautiful, that man gets what he gets. He calls her a “girl”, but she’s an adult; she’s divorced and has a child- and is involved in perpetual conflict with her ex-husband. She doesn’t need another daddy to take over her problems; she needs to work this out on her own. Maybe he could let her figure this out on her own, while he renovates his house on his own.

[@random-nz7dy]

The first caller, Dexter is in for a nightmare. Financially paying the bills of a woman he isn't married to, a woman who in the United States of America has lost complete custody and visitation rights to a child (and owes her family money) which means she has had major problems, possible drugs (especially to have lost visitation completely) That story got worse by the second.

[@pamsmith1665]

And he is not going to take the advice. He is blind

[@HebrewsElevenTwentyFive]

God bless all involved in this show. Viewing from England 🙏🏾

[@countrysister700]

Realtor here. I you're planning to get a mortgage soon, do nothing!! Dont buy a car. Dont change jobs. Don't buy clothes online with 4 easy payments. Don't do big house decor spending. (Cards futz with your credit but cash drawn down suddenly effects average account balance.) Laser focus on the loan til you're CLOSED and take possession. Then relax and do what needs doing.

[@Truckerdaddy]

Exactly, plus keep your paystubs, get a pre-approved amount from your financial institution that you'll be using then keep your down-payment in your primary checking account to show the lender that you can maintain a high balance.

[@Twim1219]

As someone who was involved in mortgages - I concur. I'd rather see a score drop cuz they paid off debt and saw DTI get better than someone who couldn't control their excitement until closing. After closing - dont care what ya do tbh.

[@kathystaursky4063]

I like when Ken is on the show 😊

[@WanderCampesino]

Me too.

[@jimpayne4521]

Ken is my favorite personality

[@laurafratoni7931]

He’s great!

[@NaturalWifeyandMamaBear]

A storm shelter is an emergency! We’re in Iowa and have tornados here. Hubs and I have never been through one personally or his parents, but two years ago, his parents home got hit some and did lots of damage and the next door neighbor got the whole top part of house ripped off (was rebuilt)!! ALSO our two boys and us have had to use our storm shelter a lot, already like 8 times this year!! We have an awesome good sized concrete one underground that came up from southern Missouri. LASTLY, we just had some tornados hit recently and one was in Greenfield, and my sisters friends whole house was destroyed, her and her daughter had to hide in their partial basement under stuff but bc it tore apart the whole home, they got really hurt, was in hospital; concussions etc. cuts and blood everywhere 😳 pls keep you and your family safe!! Even if never hit bad, could any time! It’s life or death. Many have died recently in all the tornados!! 🌪️

[@21w31]

Agree! Life is more important than money, when you are getting hit by nature. Here in New Orleans we evacuate if the storm is category 2-3 or higher. That is a separate emergency fund I am thinking we need to start even before we stat snowball debt pay off plan.

[@connirmaxwell883]

Why is she barred from seeing her daughter. Not the usual court decision. Info missing. Makes this concerning

[@KimberlyLewis-l7y]

Exactly

[@laurafratoni7931]

Agree! No way kid was taken from mom unless there is something crazy going on.

[@MariaGarcia-gj5ie]

Drugs usually

[@Mari-lv1rd]

for a woman to be denied custody there is a real problem...get out now

[@tomhocutt2013]

@@MariaGarcia-gj5ie great minds think alike

[@cynthiawlaughlin5435]

I listen to the sound advice on this team every day. It’s very helpful to everyone any age and any income.

[@DungeonQueen]

The best duo ever! I love when Ken and Dave are together ❤

[@missburr1228]

Also to the man with the gf, if you marry, you will have to put up with, and deal with that ex headache till the child is 18 or 21. Its a hard road, just sayin.

[@missburr1228]

Plus at events concerning events in the child's life, keep a level head.

[@laurafratoni7931]

I figure there is something up with mom that she didn’t have any visitation. Courts don’t take kids from mom unless she has needles hanging out of her arms usually.

[@xero32542]

Exactly right on.

[@rosedewittbukater5763]

actually he doesn't as long as he sets that boundary up front. the exes have to deal with each other. i don't have anything to do with my exes wife and my husband has nothing to do with my ex. they never interact. my ex is my problem, not my husbands

[@NancyJeanCorcoranStrebel]

@@laurafratoni7931You figure Very wrong. Perhaps you should educate yourself First before making a comment of this nature. Money & Connection plays a Huge Roll in Family Court.

[@barbaraewing5761]

What we are seeing with some of these students you speak of, is that the lack social skills. Many are raising themselves with the currently technology as their 'escape'.

[@chloerosenberg2198]

Good morning Dave and team. From Brisbane Australia

[@gourabsarker9552]

Sir how much do you earn in Australia? Plz reply. Thanks a lot.

[@jasondima1411]

Julie from Detroit had a beautiful soul 🥹 she had me tearing up. God bless her heart

[@monicalifornia_]

57:22 this is literally my life. I’m dying that this call came in.

[@asoggyburger479]

There’s more that comes with tornados than just a potential “finger” on the ground. The storm around them can bring high high winds, large hail, and pretty heavy rain. If Dave lived in Oklahoma he’d have a different opinion on closing schools for big storms lol

[@llh1023]

Congratulations Ken on another bestseller!!!! 🎉

[@candecarro]

Re: Marketing- Only the U.S. and New Zealand allow Drug/Pharmaceutical advertising on Television. It’s a crime.

[@scrubs4everr]

Favourite duo!! 🎉

[@melissasesma3218]

Dave, the tiny house movement is increasing every year! I’ve been selling tiny homes for the last 5 years and the market is maturing. ❤

[@candecarro]

If it’s increasing every year, how can you call it a “moment”? Doesn’t make sense!

[@melissasesma3218]

@@candecarro movement Karen

[@InspirationLed]

I was looking into tiny homes (I’m in Canada) but it’s become this niche here now, so they are crazy expensive and here on the east coast they still aren’t as open to them so hard to find a place to park it unless you live in the country on your own land. I found they cost as much or more as regular sized mini-homes. If I were to actually travel with it, it could be worth it, but now I feel the point of cutting cost and going tiny is sort of flipped on its head. Not sure what prices are doing in the US, but here it’s like you have to build your own in order to have it make sense financially. I guess in comparison, house prices on the east coast are still quite bearable compared to other provinces.

[@eprofessio]

I’m on step 2 with $100,000. Two new cars with about $50,000 and student loans with about $42,000. Started out with $117,000 in student loan and $105,000 in car. Thankfully we have a big shovel.

[@LindseyHarvell-vc4ez]

Sell the cars. Downgrade.

[@eprofessio]

@@LindseyHarvell-vc4ez that’s not happening. My wife is a retired judge and attorney so her idea is that she works too hard not to have a new car and my Jeep wrangler four door has a poor crash safety rating so we got new cars. I understand that is not conforming to the Ramsey principles and we are doing them because at least my wife is on board with the EveryDollar app and budget and we are burning through our debt. I justify it the same way dave justifies Sharon wanting stuff. I have to pick my battles.

[@gourabsarker9552]

​@@eprofessiosir how much is your household income? Plz reply. Thanks a lot.

[@striperkid]

@@eprofessio yup, fair enough. I'm in a similar situation but our debt very minimal. We also have a big shovel and she contributes almost as much as me so, she's the one driving the newer car. Happy wife, happy life.

[@jeffreyfulkerson9684]

No crap, sell the cars. Get that million dollar net work before being entitled to new stuff.

[@eightiesaddictone9063]

Never get mixed up with someone with a crazy-ex. People should stop and think before you get married or have multiple children. Marry in haste, repent in leisure.

[@msbrig1]

I wish the first caller would get to the point. Was there a point?? Dave: Don't pay her bills. Caller: I agree. Caller: (Goes and pays her bills)

[@random-nz7dy]

I think he was just letting everybody know that he's proudly in the middle of a litany of terrible decisions

[@fkillah]

For real, I hate callers who just ramble on

[@striperkid]

My advice to the 1st caller (Dexter from PA), don't get involved with her yet. That's one pandora's box you do not want to open. She's a hot mess right now and will need a lot of time to get right, if she ever does. Sorry bro but, distance yourself from her.

[@Nigriff]

The caller with the blown transmission is the perfect example of why $1000 is not enough of an emergency fund

[@_Ranger01_]

It’s not supposed to be enough though. Even Dave has said that

[@erzabetf9544]

No one says $1000 is enough. It’s just one step, among many - seven to be exact. 😂

[@emileemonsalvo3878]

That's the "starter" emergency fund. The real emergency fund is 3-6 months of expenses. And that will be more than enough for NEARLY all emergencies.

[@veronicalynn6469]

Ken Coleman!! Yay!!

[@bettedavis9261]

35:14 Dave, new, 2024 hybrid Camrys go for 29k to 34k in my area, NOT 50k.

[@lisarichardson2812]

Dave can you make a every Pound app please for us in the UK 😂

[@dianem4188]

🤣

[@conspansion]

Dave is great, would love to meet him.

[@citygirldeb54]

Hello from California ! ❤

[@codyhanway8869]

Man sometimes it's not about the investment. Buy the property build the tiny house and have your little peace on earth! That dirt will only increase in value and when you're really ready to build a house build a house on it!

[@SakuraMo1844]

yes, tiny house is fine if you own a big land around it.

[@miloseveggies8064]

Almost 4 minutes into the first call and no question. Make them write down a question and then get background as needed.

[@laurafratoni7931]

Guy with the hot mess girlfriend… run!

[@xero32542]

My sentiments exactly. If this is in relation to the first call, there was a lot of information missing. The callers girlfriend should have visitation of some form unless there were some extremely unhealthy lifestyles going on.

[@colleenduffy1139]

@@xero32542 Not always. Some people use money, various forms of abuse and control to slow this process down. It might happen but takes time to work through the courts.

[@xero32542]

Yes I agree with with fighting in court with the attrition of stalling and money to drag out the process. But in family and divorce court usually sways custody to the favor of mothers. For a mother to have absolutely no custody is where this story goes off the rails and facts are missing about why she does not have any custody. That’s not a money issue. That’s a lifestyle issue. It takes a lot for a mother to have absolutely zero custody.

[@Davefitz04]

@@xero32542facts. The dude seemed like a simp as well. I cringed when he said “my beautiful girlfriend. Oozed beta male vibes

[@BlakouttheMM]

​@@xero32542I was thinking the exact same thing. The fact that the mothers refusing help also shows that she wants to keep the guy at some distance. Are there drugs or some kind of abuse involved? This dude is head over heels and I think that she's cunning enough to make sure he doesn't see the red flags. It is exceptionally rare as you said for a man to get primary custody without the mother being a seriously terrible person.

[@Baron2888]

The man with the truck driving career that went financially backwards was so blind and tried to argue with Dave. Why call if u had all the answers. What planet is he on . 24k money! At home is the last place he needs to be!

[@jayyoung3572]

I can't wait to cry because I'm so rich and giving a lot.

[@BeeDee-qs9so]

😂

[@kathigratton2286]

This man drew a school bus. He still be home in the middle of the afternoon to be with his child. And he still work overtime and making good living

[@MariaGarcia-gj5ie]

Good advice Dave!

[@camilleevans6085]

Faith without work is death my brother

[@Qwackdawack]

What does that mean?

[@camilleevans6085]

@Qwackdawack when we pray, we have to be faithful that our prayers will be answered on God's time. While doing that, we still have to be making some effort on our part as to whatever we're praying about. For example, I'll pray for financial breakthroughs, but if i just sit on my sofa every day watching TV and I don't make any effort to seek a job or some kind of resource to help towards that I can't be mad at God and just expect him to bring it to me. When we move, God move!

[@everettschuster8695]

Best show

[@eprofessio]

My neighbor Richard Kerns foreclosed on a trailer house of male “family member” that was struggling and then took the wife to court to take custody of the child. Thankfully the court kept the mother and child together then the girls fled three states away. I know because my neighbor told me the whole story and it sounded evil from the outside looking in.

[@monicadhenderson8670]

Christian, don't leave your job till you get another job!! If you got fired then run to find another job ASAP!! If you don't work you don't eat & you gotta feed your family!!!

[@triciaoquinn9238]

I LOVE ME SOME RAMSEY PEACE!

[@missvipchicago]

I love Dave Ramseys Kermit the frog voice over bad financial advice 🤗 it brings me joy 🤣 👏🏻👏🏻

[@iceberg227]

Ken is a top tier cohost.

[@sunkissed6220]

When Jerry said he was a ward of the state 💔 *right in the feels*

[@BeeDee-qs9so]

Yes, for sure. I wish the best for him. He sounded like a genuinely nice guy just working hard to create a life for himself.

[@hollystiener16]

Rooting for him!!

[@nodsib]

Say what you want about Hyundai, they’ve got a lot of engine issues going on lately, but at least they put a really good warranty on them, but seriously Nissan? A 2021 has the transmission die and isn’t up for warranty work? I get that it might have higher mileage and be outside the standard warranty, but that’s a really bad look to deny warranty on a 2021. They should really step up and take care of this dude

[@LVBJEAN95]

Great show!

[@geezusfreek1]

We have Tornadoes here. Im from Moore. Seen 2xF5. Still aint skeert...

[@Snesboy09]

What baby step is everyone on? I'm on 2 with 5k to go.

[@OnThatNoteWithPenelope]

4,5 and 6!!!

[@dorotheaanderson9482]

4,5 and 6

[@rg8733]

Great job, Keep going!! I'm in Baby step 3 with 3k to go.

[@soniamaldonado6906]

We're on baby step 2. We will be out of debt by Jan. Then, onto baby step 3.

[@rv66]

#2

[@kathigratton2286]

I would think that they would had a been a recall, wouldn’t you if it had discontinued except that bad manufacturer should have to pay for something with this?

[@gospelgardensandtunes4109]

Hey I live just 1 hr south of Austin! We are a licensed foster family and have a big heart for those who have aged out. Please reach out to me if Jerry would like to know us. I have a great husband Jerry would love to know.

[@Nigriff]

A free unpaid mentorship for 6 months sounds a lot better than a 4 year marketing degree where you have to pay tens or hundreds of thousands of dollars

[@Hossafy]

This first call. Woooof

[@Dawarlord34]

The opening remarks should be changed to "thanks, the world for joining us." I am not American and listen to the show every day😅.

[@Davefitz04]

Cool where are you from!?

[@miranda4042]

Agree I’m listening from Sweden. 🇸🇪

[@Dawarlord34]

@@Davefitz04 I am originally from West Africa (The Gambia). Now, I live in Finland.

[@MrsDelfinazul]

Agree, I'm listening from México!

[@orrinbreckenridge46]

Which episode is this? I tapped the link and it’s a different episode. I’d like to learn more of Dave’s advice on how to handle this.

[@MrsDelfinazul]

It's the episode of May 21, 2024.

[@FTG2Eli]

How long has he known this woman? Why does she need to get visitation rights? What were the circumstances that led to that? Has he seen first hand the situation she is in, or is it her that is just telling him her story? So many questions! Is she grooming him?

[@losingitism]

Why hsa over fsa? I'm sure he's talked about this but I can't find a video on it. I have an an fsa but can't get out of it till benefits change time comes so I will switch then but just curious why one over the other.

[@xaviermccoy6307]

What is the episode and timestamp that this clip is from?

[@mastathek]

Already turned my name into a cuss word 😂😂 oh my life too good Ramsey

[@pamsmith1665]

Run Dexter, she is bad news. Moms dont lose visitation. Has to be a story here and she doesnt look good in it. Remember, for every beautiful woman there is a guy out there who is sick of her shit.

[@random-nz7dy]

Makes me think of a drug situation considering she owes money to her family. Very odd. And also I like how he is echoing her sentiment calling the dad controlling. I mean he has sole custody and she has no visitation... So her not getting visitation is not because he's controlling...it's because she lost visitation.

[@Davefitz04]

Christian, going from 80k to 24k? Dude, get your ass out there and work and go make some money. You don’t get to pull this crap when you have a family to support. stop sounding so sorry for yourself. Pick yourself back up and get after it. No excuses, especially when there are people depending on you.

[@mike112079]

The caller Jerry must have a Nissan with the dreaded CVT 😩. It’s a 2021, I wonder what the mileage is. How is it not still covered by the power train warranty smh

[@loucaribou7765]

The car detailing clown sounded more like you just wanted to hang out and play video games and stare at the wall instead of working

[@cynthiaschowengerdt4944]

I remember when Dave couldn’t broadcast in certain areas of the country because they wouldn’t give you deal to broadcast in that area

[@kathigratton2286]

Truck driver can drive a school bus to make more money

[@3441ars]

A transmission going out after 3 years is wild

[@Bostoncrocus]

Great episodes But nothing I can use at my age (68). 15 minutes into it your formula for figuring what to charge when selling a business goes over my head but I do want to listen and learn anyway. I see myself as self employed in 5 years and will need to know some basic business accounting and definately internet sales. Please speak to this. Thank you from NC USA 2024

[@amireallythatgrumpy6508]

His Entreleadership podcast is where to get business advice from him.

[@erickdelgado2737]

What’s the name of the song they open with on every video ?

[@random-nz7dy]

Baker street

[@barbaraewing5761]

Good afternoon Starseeds!

[@kationich]

Gosh somebody has Kevin’s number, the hybrid Camry guy? 😂 I want to invite him to Europe to help him boost his giving and spending on fun skills 😅

[@carrieadams7073]

Funny how 3 month ago when this build started the click bait title said this house had to be built in a week. Its just getting more elaborate as time goes on. Also why do they walk around a construction site with no shoes do they not worry about nails etc. Let alone animal poop.

[@the90sinfluence]

Its the CVTs for sure Nissan has some solid cars, CVTs kill the brand

[@wtfvenusss]

“here’s quick math refresher” me: :0 omg rly? :D * brain calculator bootin' up * “there are 24 hrs in a da-“ me: awh maan 😑

[@tomhocutt2013]

No 3 year old car should need a new transmission PERIOD

[@striperkid]

.......and no mention of a factory warranty ??

[@tomhocutt2013]

@@striperkid right something smells fishy.

[@miranda4042]

How about car Insurance!?

[@striperkid]

@@miranda4042 auto insurance doesn't cover a transmission.

[@GW-kc1ty]

$500 a month for daycare!? That's all??

[@hollystiener16]

I Know. she for sure was making more than that full time.

[@mr.trammell6399]

We’re dating a hot mess 😂😂😂😂😂

[@BeeDee-qs9so]

And yet, if the “hot mess” had been the one phoning it’s likely they would have spent an arduous amount of time consoling her and telling her she was a Hero.

[@bettedavis9261]

​@@BeeDee-qs9sospot on

[@robn2666]

Jatco transmission blows up imagine my shock!

[@BeeDee-qs9so]

Julie, I have a headache with this problem you claim to have of “excessive giving,” because I am still trying to figure out what the actual problem is or was…other than the fact that you can’t be quiet long enough to even Hear what someone is trying to tell you. Very frustrating. Was this basically one big virtue-signalling phone call? 😑

[@bettedavis9261]

I love how you cut straight through the BS, BeeDee!❤️❤️

[@striperkid]

She was annoying.......I had to skip past her call.

[@republicunited2183]

Julie in Detroit, actually runs a business?

[@UTBanjo]

U-pull it around here is $400 for an automatic transmission.

[@brandino97yyc]

Hi from Canada. First comment woohoo

[@gourabsarker9552]

Sir how much do you earn a year?

[@brandino97yyc]

Little personal there. But just under the Canadian family median as a single income houshold

[@gourabsarker9552]

@@brandino97yyc sir do you earn 100k dollars a year in Canada? Plz reply. Thanks a lot.

[@bettedavis9261]

​@@gourabsarker9552how much do YOU earn??

[@eazonthru6988]

Christian failed the urinalysis after wiping out a car.

[@danieltik]

1:32:42 Jerry is an example of the $1,000 emergency fund doesn't work in real life today

[@redwingblackbird8306]

Take my wedding photos for the exposure you'll get.

[@mflee3772]

Love this show. Daves the boss who controls his bootlickers nicely

[@TargetedIndividual]

Honest opinion. The crew is great but if Dave retires, you lose half the viewers. The old fart is the golden egg.

[@avalonarkka5938]

Its the only reason people call, cuz of Dave.

[@katieheidinger4635]

Nah i like the others as well.

[@MrRckstdy77]

Ken said "looks cool" with devil horns showing?! Why did he say that?!

[@maribethvance9958]

What was the context? Maybe like the devil is in the details, or looks good but a land mine is hiding underneath??

[@MrRckstdy77]

@@maribethvance9958 Ken said, John Delony looks cool (when he makes the devil horns hand sign). That was just a dumb thing to say.

[@dougprentice1363]

Guy, with the transmission, problen sounds like a Ford car owner. Totally new design that doesn't last. Im there.

[@bettedavis9261]

It was a Nissan

[@Nigriff]

Dave: The borrower is slave to the lender. Don't give your money away to banks. Also Dave: It's better to owe money to banks for 15 years than to live in a paid off tiny home or mobile home. 🤔🤔🤔

[@Nigriff]

And Dave's ok with wasting money on rent

[@worldnomad2301]

1:34:00 in. I might be wrong, but the guy from Austin sounds like a fake.

[@XperienceGames]

The CDL driver sounds pretty depressed. May need to get a job with good insurance and see a good counselor.

[@OldSlow]

Making fun of a 19yo for wanting a tine house is sick.

[@kazylkabezshtanishek]

The main thought from this video today is Nissan does bad cars

[@kathigratton2286]

700-800 door dash , but didn’t save for car issues that may come up by using the car for door dash🤦‍♀️

[@tomhocutt2013]

Where was the call from ready who could there visitation with her daughter?

[@janetcross2797]

Prenup for sure

[@maribethvance9958]

I want a tiny house, Dave you are wrong, the land will appreciate and a tiny home is a frugal and cost effective way to live. Great for minimalism.

[@nancylewis7142]

❤❤❤

[@juliecogar7241]

⭐️⭐️⭐️⭐️⭐️