Stop Trying To Impress Others with a Lifestyle You Can't Afford!

The Ramsey Show (May 2, 2023)
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[@LyonsArcade]

Rachel running it old school and solo like Dave used to do back in the day, well done

[@oskarcreed]

Great show today! Really enjoyed the segment with Winston. It was great chemistry, humor and insight. Tell Dave, "we want more Winston & Rachel"!

[@JoyInTheSun]

Yeass 🎉

[@jojoangu901]

Winston can answer the real estate questions as well as Dave. No other personality can. He definitely needs a regular spot.

[@DigiTiLMon]

I bet Rachel just about died inside after that first question. How are you saving money on food? - food stamps. Went from complaining about inflation to brass tax. This just got real!

[@sorvoja]

OMG! I have to say, Rachel is a true superstar as the show's host. It's impressive to see her hold down the fort on her own, commanding the attention of the audience with her confident and engaging presence. Even when she's co-hosting, Rachel stands out by her ability to strike a balance between leading the conversation and giving her co-hosts enough space to share their views. Her consideration and respect for others make her an excellent collaborator, but it's clear that she's a force to be reckoned with when she takes the stage solo. I am thoroughly impressed by Rachel's performance on the show. Her expertise in finance and her relatable personality make her a leader for the personalities team once Dave steps down for good, and I'm excited to see more of her in the future.

[@brendasoucy8180]

And this speaks of what an awesome set of parents she and her siblings had, preparing her for this future she’s living now! Gave her confidence, set of strong values, opportunities. 🙌

[@debbiegilbert1961]

@@brendasoucy8180 Yes I totally agree😉

[@janetcross2797]

How did she get food stamps she can’t afford a house never

[@dorotheaanderson9482]

It sounded like the first caller on food stamps because her husband had an injury and couldn't work... Now better and have small kiddos... That does not mean that this will be permanent....

[@jasondima1411]

Rachel Cruz is definitely the future of Ramsey Solutions! Dave’s business will be in good hands when he retires

[@sarahmilner8483]

The husband though.. No! Typical real estate kinda guy.. Gives me the ick and didnt he marry well, 🤑🤑🤑🤑 he saw her coming or at least her dad!!

[@sarahalexa160]

I like Rachel but I have to disagree. I think George Kamel is the future of Ramsey (if they succeed once Dave steps down). Rachel has no personal life experience with debt recovery or financial hardship. Although she is charismatic and well spoken, she can't relate. George is knowledgeable and worked his way up from the bottom so is truly able to relate and empathize with the masses.

[@OopThereItIs77777]

@@sarahmilner8483 Lol Dave has talked about this. Their prenup is IRON CLAD. He (his family) gets nothing & it’s very specific. So…I think you’re wrong & probably projecting. Some men actually DO love their wives

[@melissab0515]

I love her!!!!

[@sarahmilner8483]

@@OopThereItIs77777 thanks, gotta love an amateur psychologist on youtubes opinion.

[@daisy3384]

Rachel is a natural 👏👏👏 Winston is equally an impressive co-host.... truly a power couple 💕

[@23lauramoreno]

Hadn't tuned into the show in months, but I had to see Rachel and Winston together. That was a very cool segment, hoping he comes on a little more often. Rachel you did great, this was favorite show in a long while! ❤❤❤ Watched it from beginning to end. Thank you for all you do!

[@JoyInTheSun]

I second this!

[@23lauramoreno]

​@@JoyInTheSun Yesss!! 🎉😊

[@GaPeach2018]

Grow a victory garden! Go to farms and pick your own, or go to farmers’ markets. Do a vegetable box from a farm. Raise chickens. Buy beans, rice and corn in bulk. Some of these are easy, some are hard, some require a location. Try out community gardening. If you eat meat, buy half a steer.

[@dayday95644]

Loved the segment with Winston and Rachel on her own absolutely crushed it! Please make this a regular occurrence 😁

[@sylviachacon4152]

The lady living off WELFARE & wanting to buy a house! Please! Qst get off WELFARE, support your selves 100% and then plan for the house.

[@OopThereItIs77777]

Winston did amazing! Super natural & easy to listen to! He needs to be on more often

[@Spark_Grace]

Winston definitely gives Dave Ramsey vibes…he should be on more often

[@OopThereItIs77777]

A huge tip that has always saved me since I was like 18 living on my own…avoid processed. Buy raw veggies, fruits, meat, nuts, & avoid the middle aisles. Your spend will drastically decrease that way. We spend $140 every 2 weeks for a family of 4 with two boys who are always hungry. About $200 on healthy snacks, bulk drinks, eggs, & freezer bulk at Costco twice a month. So around $800 for a family of 4. Processed food adds up in more ways than one 👏🏻❤

[@mjax8614]

Yes, Rachel has grown on me, her heart is in the right place.

[@margie909]

Rachel absolutely shined flying solo! And, bringing Winston on for a segment was really fun. I know that the show format now is host/co host, but, it is sooooo refreshing to have a solo host once and awhile!!! So many more calls get through, and no competitive energy!!

[@carolannstevens5814]

Love Winston and Rachel together!!! Want more of this!

[@HR-kk2qd]

Way to Go, Rachel! Having Winston on was such a great perspective!

[@MrMustangrick]

The hubby is a stud.

[@inviz1769]

Yep, he is solid

[@thirdintegra]

I was just thinking. No wonder Rachel is so happy all the time

[@MrMustangrick]

@@Plantmom1 Yes agree.

[@HarvestingFaithHomestead]

To answer her question, I like to meal plan and grocery shop once a month. I was really nervous doing it the first time because we spent on average $100 per week on groceries, but since I started doing it we actually only spend about $200 per MONTH. I make sure to “shop my pantry” first, and plan for meals where I already have a good amount of the ingredients on hand, that way I’m only buying odds and ends stuff rather than all of the ingredients for the whole meal. I also cook the meals in advance and portion every meal out into individual containers so that we can grab and go, that way the meals stretch as far as possible and I don’t have to cook during the week 💪 that saves time and money because we aren’t tempted to eat out nearly as often.

[@laszlobauer5274]

Saying I love you on air is just great.

[@mattstewart557]

I really like Winston the way he speaks his kind and straight to the point he's kind of no BS guy. Is advice was spot-on especially with the couple moving out of the country long-term.

[@nils704]

Rachel flying solo? Good content as always!!!

[@fourdayhomestead2839]

Great show! She did a great job. Food hack question added bonus: shopping sales locally & bulk shop while price checking .. Best things I do is cook simple meals at home (food preservation too) & utilize everything.

[@aishatidwell3389]

I love Rachel and Winston. I think Winston brings a good and different view point ❤

[@bethjonesrealtor]

I have never commented before but had to communicate that I loved the segment with Winston and Rachel! My husband and I work together in our renovation and real estate business so it was such an inspiration and encouragement to see how well Winston and Rachel seem to work together and respect each other. If at all possible, please have them on more together!! Thank you so much for the incredible value y’all provide!

[@mmp495]

How cool! Rachel and special guest hubby Winston. Great personality and wisdom. 😀

[@mikedoyle5901]

1st caller. Glad you got an injury check. Call food stamps today and support your own kids. Shouldn't even talk about buying a house if you are supported by tax dollars.

[@leahmcdermott4189]

Don’t hate the player, hate the game. If she can still claim, then that’s obviously a problem with the system, not her. I have over 10K in emergency savings and another house savings funds for my deposit but guess what, I’m still struggling, it’s still so hard. So I’m not gonna beat her up for still receiving help 💕

[@jennifertackett2241]

That was my first thought. They also do have an income! They have more money sitting in the bank than a majority of people, but are still on food stamps. Really?

[@kel-kel1723]

How nice for you to have 10k in savings & 75k in a settlement & living off the government. Isn’t that illegal?

[@kimsmith90]

disgusting 1st caller - food stamps while having money to actually pay for their needs...

[@KentPittsburgh]

Lol the first caller did not answer Rachel's question the way Rachel expected lol, but Rachel handled it very well!

[@MrMustangrick]

Didn’t answer it at all.

[@kimberlydickson9266]

She did, but dang, I wanted to call this lady out. You’re living with relatives, have $10K in savings, and I’m helping pay for your food??? Ohhhhhkay.

[@CatherineGoodrich]

She spoke about being discouraged... yes, maam,I'm discouraged that you have 85k in the bank and I'm paying your grocery bill. Her family is NOT struggling by most people's standards.

[@Just_Living_Life]

This is my new favorite segment. I hope Winston comes on me often. They both make a great team.

[@pkdude5334]

Winston was cracking me up talking about people who try to take advantage of the emotional support animal thing

[@lizrozon6308]

Winston was awesome!! We need to see him more often!

[@jesse102]

Debt is dumb! Cash is king!!

[@JoeSimmer]

Rachel did great today! Bring Winston back too. I enjoyed hearing his perspectives!

[@marionexley607]

OMG absolutely loved this!!!!!!! Rachel is amazing and to be partnered with her husband, wow what a combination woohooooo.

[@gracemu3]

I like the point of Ken Coleman regarding how to make money from the result of work to pay off debts, build emergency fund & be recession proof.

[@laszlobauer5274]

Great to see Winston onthe show. Now I beleive that he exists. The only thing I struggle with is whether Sharon Ramsey exists or not.

[@samanthaberch]

How does the first caller have food stamps with that income? Extremely low income limits to qualify, even with their 2 kids. They also need to get off food stamps before trying to buy a house.

[@noratoms7487]

Loved the Rachel and Winston team up! Maybe they should have their own show!?!

[@zekrk504]

Hi Rachel! and welcome Winston!! So good to see you two on together. Thanks!

[@lizziebeth5296]

Living with her dad, has reasonable rent, 10 grand in savings that will pay off all debt today and he earns 55 grand. Yet, the tax payer has to pay for their food?

[@joshhoward1289]

The government is so efficient with our tax dollars.

[@greggs2240]

And they just got a $75k settlement

[@bmariafernandez1152]

I don't see how they qualify. I used to approve Snap benefits. All that money specially the 75,000 just received its straight up fraud.

[@greggs2240]

@@bmariafernandez1152 I don't begrudge anyone who needs that help during a time of need, but it seems like that time is over for them. $10k in the bank, $75k settlement, and a $55k income. Maybe she has stopped using the benefits now, but it was strange that it was her "money saving tip" for groceries. I do wish their family well, but this really confused me.

[@bmariafernandez1152]

@Gregg S the benefits are for anyone in need. I don't put anyone down for needing it but you can't even have a certain amount in the bank because you won't be eligible. Many people don't fully disclose the amount of money in their bank account and that is fraud.

[@super1234567891011]

AMAZING SHOW RACHEL!! So proud of you. Winston was a great guest. I have ALWAYS been curious about him since you joined the team.

[@ungphuc]

Please upload the highlight clip of the 10 mins Winston and Rachel talking about behind the scene work of buying and managing rentals so I can share it to my people

[@cmcc1047]

If you’re on food stamps, you shouldn’t have any savings. Sorry Rachel, you completely missed the ball on that one.

[@leahmcdermott4189]

Really?! So you have to be completely destitute and broke to receive food stamps? Surely, you can have a few thousand?? 💕

[@SJhikes]

Cash in the bank while the taxpayer foots the bill

[@jjkatz]

@@SJhikes it’s sickening. Some people just like to live off others.

[@themanifestorsmind]

You can have savings but I do believe it's not more than $2000 depending on the state, unless it was from a tax refund.

[@rockymountainfacet5958]

Just Rachel was amazing 🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉

[@faith1965ful]

Great Job! Rachel... and Winston.

[@jez5855]

Awesome to see Mr. Cruz on the show. i can finally put a face to the name that I often hear about.

[@ElizabethS828]

Winston needs to be on the show more!!! He rocked his first time being on the show!

[@lucybell1487]

Thankfully Rachel gad enough self discipline with being a spender that her life is proof of what consistency in debt free decision making is also a significant Ramsey testimonial

[@Vega14_]

today’s segment was awesome! Thanks for all the good info! And good job Rachel! ❤ really appreciate you .

[@miloseveggies8064]

"What's your foo hack?" "EBT" lol

[@matthewwilliams9200]

55k on food stamps is wrong

[@kmng3207]

I’m loving solo Rachel!

[@jefferydoherty7368]

Winston is now my favorite Ramsey personality. Sorry George. Seriously though it was a good segment.

[@brendasoucy8180]

Loving your new haircut, Rachael. You’ve got it going on, girl! Smart, sassy, and gorgeous!

[@Tiltem]

Winston the newest Ramsey personality? 😬

[@sXePunkV2]

No, he's actually just left his position at Ramsey, ironically

[@daisyachiro6779]

Rachel u are a good host so humble and knowledgeable and likeable nice to bring in your hubby too.

[@brendahomer7236]

$48,000 and food stamps?

[@JamesTheHumbleSupplanter]

The way Winston explained the reasoning why you would want to pay off your house before investing in the other real estate was possibly better than any way anyone else has explained it. “ it’s best to get rid of dead first, so that it doesn’t dilute your rental income.”

[@jasonjaskey]

Winston was great! Really enjoyed his perspective and insight into real estate investing / personal experiences. Need to have him on more frequently!

[@vg6790]

I do alternate day fasting. People eat way too much. (Not recommended for kids)

[@CogSciEso]

I just had to drop a comment and express my admiration for Rachel's unwavering dedication and hard work. It's clear that she's a true powerhouse and a driving force for her family. Dave is one lucky guy to have such an amazing partner by his side. Rachel, if you're reading this, know that you have my utmost respect and admiration! 🙌

[@jameswildermuth585]

I'm on baby step 2. I've paid off almost $19,000 since August of 2022. I've got $21,000 left besides my house. It's killing me to stop investing.

[@beckymigdal3140]

I wouldn’t

[@bluebelle9572]

Remember the stories of people that have done this. None of them regret following the steps. Gazelle intensity. You can do this!

[@bethanyg153]

I wouldn’t put money into someone else’s home. We did that once with the promise we’d get it back. They forgot about some of the stuff we did and we just wanted to get out of there. We ended up getting about half of the money back that we put in, because they depreciated it. If she puts money in her dad’s house that might end up getting split between her and her siblings when her dad dies.

[@TheCanceriansmultiverse]

Loved this show. Very helpful solutions.

[@Allybaba55]

Yes! I love ButcherBox. I swear it's cheaper than getting the same quality meat at the store.

[@TheMusicResource1]

Now I know why George speaks so highly of Winston😮

[@inviz1769]

Winston just put cold water on real estate lol

[@mmp495]

He’s 💯 correct. It’s not always passive, things happen that need to be dealt with, etc.

[@inviz1769]

@@mmp495 of course, we all know that. He even said to wait before buying

[@mikeknoll1130]

As a real estate investor I like the change up and the new content today.

[@abbeyrussell23]

Love when Rachel is hosting or co-hosting!

[@HashPhantom]

I realize most Americans are allergic to eating healthy but growing your own food is the best food money saving hack.

[@lukelacasse6412]

Did Winston just pick up an hours pay with his side hustle today? Nice!! Great show today.

[@GaPeach2018]

You go girl. You’re a star and the Ramsey future. Yay!!

[@bluebelle9572]

A grocery/food hack: eat a little less. Buy what’s on sale.

[@dp-116]

As someone who is very interested in real estate investing, I would love to hear more real estate segments in the future with Dave and Winston.

[@stuemler]

They have a Ramsey Real Estate Channel ' Ramsey Talks Real Estate'. They kind of abandoned it though.

[@riverbythesea11]

Love Winston and Rachel. Please make this happen again! Would love them to talk about real estate regularly!!

[@pkdude5334]

who the heck makes fun of Rachel for valeting her car?! She's worth millions of dollars, a valet doesn't move the needle

[@kirstylingenfelter8116]

Good move having Winston on the show today. Loved it!

[@ashleynobles660]

I loove Rachel.. but I also tho George and John. Those are my 3 favorites ♥️

[@kaznewton8378]

Loved the real estate hour with Winston!

[@amazinggrace8136]

Good job Rachel

[@celularphone]

Rachel cruz is definitely my second favorite host behind the man himself.

[@alinejames2783]

This is cool presenting with your husband! 😁👏👏

[@ksgomez1]

Great show! Loved the episode! Need more Rachel and Winston.

[@alisagraham6513]

Rachel, you doing a great job. GO Rachel.

[@dijonmusta]

Rachel is my favorite host - she is just so positive and fun. Keep killing it, Rachel!

[@rdmineer1]

Make a menu, make a detailed list and stick to it. Quality proteins and produce are healthier and still relatively inexpensive compared to eating out. Close freshness dates are usually marked down and still safe if the product is prepared properly or frozen immediately. Collect prices from receipts, rounded up to the next dollar for simplicity and margin. Make your list on a spreadsheet with a talley. You can either print it out or access through your cloud. Stay with it and you should be within your budget.

[@sarahburggraf907]

Food pantries help the working man. Ppl who struggle and work can get help at the pantry when they cant get food stamps.

[@bluebelle9572]

Yes, bring in the stuff you aren’t using from your house and take something you can use.

[@kevinhaun1]

We saw Winston a couple weeks ago the SMART Conference and I was like finally! We've seen him lol.

[@IA-py9by]

Seems all questions are great 😊

[@korijared826]

Such a fun show! Love the dream team segment! Y’all should team up more often! And yes I trolled the comments to see if anyone gave your hubs a hard time about the Guinea pigs! 😂

[@kantivutcharoenwong310]

JetBlue is my go to!

[@jessicahalvorsen9315]

Beautiful awesome job

[@jesuslives316]

The post-Dave cast should be Rachel, Winston, John and Ken.

[@veronicabishop9466]

Rachael and her husband are great and loved the show

[@Givethanks24]

Bringing and packing food-snacks Also teaches kids how to plan ahead. There’s a greater lesson also

[@OzMikka]

Rachel is so great ❤

[@carlatomasko7408]

Great show!!! Finally we get to see Rachel and Winston together. But what happen to his mustache?

[@dehartaz]

We want to see more of Winston!!!

[@jbfoell]

Great episode but it makes me sad to hear Winston suggest that renting to pet owners is a risk. There are so many pets in animal shelters, pet owners already have a hard time finding a place to rent, why make it harder for them?

[@GaPeach2018]

Totally agree. We rented for a year and had cats. Our landlord was ok with it because the house was older and not in great shape. We left it cleaner and in better condition than when we moved in.

[@jennifertackett2241]

Yeah, kids are generally more destructive than pets. But nobody would dare suggest not renting to families with children.