Stop Waiting On Someone Else To Fix Your Life!

[@chrisforeman2030]

Everyone would get further in life, if they listened consistently to this podcast.

[@phoenixpharaoh9517]

Yeah, I’m sure if I called in, he’d tell me to sell my car!Thats why I don’t call. Big fan of the show, I remember hearing “ Money,” back in the day at the intro of the podcast. Not sure if they do that anymore.

[@chrisforeman2030]

@phoenixpharaoh9517 Well, you don't have to take every word as gospel, but take what you hear and apply it as needed. I have a car payment, I'm not gonna sell it right now, but I am making moves to try to pay it off as quickly as possible.

[@TampaFloRaider]

@@chrisforeman2030 Your move is gospel, so long as you plan to be totally debt free but the house within 24 months. If you can't\don't\won't do that and keep the car, then you are correct , you are not following the gospel.

[@ICYPROFITS]

We wouldn't have 98% of businesses if they applied this logic to themselves. It's good for consumers and lifetime employees. It's just not realistic for most businesses.

[@TampaFloRaider]

@@ICYPROFITS Not true. What show are you listening to.

[@LearnAsYouGo.]

16:28 😂😂😂😂😂 “I bet your house is a mess”….that caller was working Dave’s nerves!

[@stephaniehall8179]

She was taking too long 😂

[@laurachirillo8905]

She was all over the place.

[@milissaramlakhan9791]

Yup she sure hit a nerve with him ...I hope they stick to their budget

[@auburnanger6679]

I feel bad for people who moved out east to live cheaper and buy cheaper but did a variable mortgage and will never see that money again. Making 10k a month in nb should be money bags

[@Ubeecutesy]

@@auburnanger6679they could get a 150$-200k home in New Brunswick and move up after! They also make a lot of money for New Brunswick to live off of and have no to pay off debt and start investing! They’re a hot mess with sticking to their budget!

[@JerryPerdomo_Media]

13:57 I had to use my inhaler just listening to this lady, I went took a nap, came back and she was still long winding her story. Bless Dave and Ken for their patience lol

[@daisy3384]

"I bet your house is a mess" 🤣🤣🤣

[@zenlife321]

😂😂

[@bubuchen1582]

@@daisy3384I thought this was the best line in this episode! Dave is no kidding!

[@mmp495]

Dave and Ken! Wisdom overload. 🎉🎉🎉

[@etimtim1]

Dear Orimar, you have got this! I was in your situation a few years ago and I was able to get out of it with Dave's plan. You need to do the exact formula like Dave said. Your sister from NB Canada❤

[@my2sats260]

Your entire cast has perfect temperament and relatability but Ken is on another level🏆

[@milkmaid4077]

I got there before I ever heard of Dave Ramsey. But I still love listening to him.

[@deborahgravett6148]

The biggest downside of our airbnb, is that you are tied up daily; almost impossible to travel and enjoy retirement freely.

[@JS-do7ux]

Thank you for your comment- I’m curious about starting an Airbnb and I’m very curious about the details of what is involved

[@erikrohr4396]

Our one Airbnb house requires about 10 hours per week of cleaning and doing laundry. Great fun and very rewarding.

[@DebbieBennett-p5v]

21 yrs of experience! Smile and go sell yourself so your job will pay for your schooling and making very good money in your dream job❤

[@doniarae-lee1203]

i was recommended to do a short management course by a supervisor because I am hard working I took up the offer reluctantly after much coaxing from my colleagues and I truly hate it and each time they ask me to do other courses in management I turn it down even though I will be paid a little higher

[@mattstewart557]

Oh boy Dave's in a mood today 😂 great show he was chewing butts

[@mharrycatterall5098]

I wish he wouldn't interrupt his fellow co-host. It's bloody rude !

[@mmp495]

Love it! ❤

[@darkhorsematters4550]

Lots of prayers 🤍🙏🏼🤍 for Valerie and her family! Single moms are the most BAD ASS people I know! You got this!

[@angelakyriacou]

Brittany This happened to my brother he is a excellent truck hire fitter, they wanted him be a manger, flattered but with my experience, nearly had a break down, he loves fixing things seeing how things work, he missed that tool so much. He is back as a fitter, and is much happier. Just say thanks, no thanks:)

[@margie909]

Humble brag all the way from Germany today!!!

[@go5582]

Every dollar has an ansigment. I love it

[@milissaramlakhan9791]

These calls never cease to amaze me, you cant make this stuff up...Great content as always!

[@reneespring834]

Janet from Idaho, we break down monthly bills into chunks and have everything on autopay. I get paid biweekly, so pay mortgage, electric, cable, etc 2x monthly. Autopay smaller amounts every week may help you catch up. I have everything taken out on payday so the only money really left in acct is food and gas.

[@tubenachos]

Get rid of cable, that's worthless and not a need.

[@CabinLifeatBaseX]

Janet from Idaho, I take out cash 2 weeks worth of groceries. I put everything on auto pay. It will pay the first half of the month. I repeat this process on my second check. I take out cash enough for 2 weeks of groceries. Any leftover money will go back to fund the 2nd half groceries. Pay the remaining bills. I put extra money into the debt using the snowball.

[@cantuig]

Dave Ramsey for US President 2024 🇺🇸

[@amryan7571]

No thanks he more wrong than right.

[@jackkennedy1936]

Every Dollar app doesn't work in Canada, I wanted to use here in the Toronto area. "Not available in your region". Tried to order a couple Dave's books from the Ramsey website, they don't ship into Canada either. Had to buy them from Amazon, overpaid for them, but they'll both be delivered by July 29..

[@donaldlyons17]

I don't think Dave tries to sell in Canada really hard but let's just be realistic. For every Canadian there are almost 10 Americans so which places has the most buying power potential? He might have to offer the book in both official languages too (maybe even Spanish) which I think would be smart, but I just don't know if enough people in Québec or México would buy?

[@dianem4188]

I think you can still use EveryDollar, but the desktop version. I seem to remember someone from England saying that is what they do. I highly recommend EveryDollar though. Just doing a budget will change your life. Good luck on your journey. ♥from Kentucky.

[@melissafedeli2022]

Not that I know anything, but for some ground work in her area those home are booked years in advanced and bring in around $2,500 a week in the summer. There are never empty homes in the summer…… it is soooo tempting!!! I hear you Kathy!!!😂

[@williamjohnson1668]

My theory on becoming a multimillionaire is: 1) stocks 2) bonds 3) degree/certificates/licensings 4) extensive work experience 4) (sba vs conventional) loans 5) provide a service and product that people need as a bare necessity. 6) advertisements to bring in business 7) employees, hire!

[@rosebush7000]

@@davidb2206 ….how many billionaires are illiterates and have ZERO education? These gentlemen we are listening to right now have education no?? Why are billionaires adding paying for the education of others as part of their philanthropy work opening schools and paying for college degrees of others if they believe it’s rubbish investment? If is so easy to replicate billionairism without said “rubbish degrees and certificates” you and others who believe like you should be killing it big time in billions no?? Education debt is horrible yes, but don’t cut off your nose to spite your face - a phase I learned from my education. 🤪

[@williamjohnson1668]

@@davidb2206 a business owner who does not have a high school diploma... Pure disaster

[@williamjohnson1668]

Can the business owner do the same work as their employees? Certificates and licenses do not hurt either. I would like to see a business owner do mathematics above an eight grade level

[@donnadagostino7717]

Valerie, you can do it! Blessings to you and your family😀

[@kel-kel1723]

They got rid of her (the widow) because once you hit 20 years with a company there is a HUGE target on her back!! Longevity employees are the MOST EXPENSIVE!! I know, I was one.

[@bettedavis9261]

43:04 so Julie in San Francisco has $178k in parent plus (undergrad) loans, and her daughter also has undergrad loans. Dang, that's some expensive undergrad degree!

[@OopThereItIs77777]

@@davidb2206Stop being sexist all the time, DAVID. We’ve had this talk. Females? Pull your pants up & go apologize to your mom.

[@DebbieBennett-p5v]

Wrongful termination. I hope they have to pay out big! Dont back down girl

[@jeffreylong1478]

@@davidb2206 She stated why she was fired, and she had a great record for 21 years. If you’re saying that she didn’t give accurate information than you’re the one making assumptions lol

[@jeffreylong1478]

@@davidb2206 You obviously have issues since you’re calling someone you don’t know a liar and a slug based on a 2 minute phone call. I operate under an innocent until proven guilty mentality. I could be wrong. I doubt that I’m naive. But at least I don’t come across as an arrogant jackass like you have lol

[@kel-kel1723]

Oh they will pay

[@crusso9]

Dog food at Taco Bell 😂😅

[@cuzuvmcvoy]

That last caller just wanna brag, I tell ya!

[@margie909]

The call from Germany was worse for me! The caller even rephrased his question to be able to slip in the amount of money they have saved! But boy Dave delivered the biggest pats on the back to him, caller got what he was after!!

[@catherineskis]

Hello Folks, I'm 59 y.o. I have a house in a neighborhood that has had neighbor turnover and now the yards have gone to pot. I have $78K left on this house loan which is worth approximately $300K. My pre-qualification loan person says that this house should sell quickly and indeed, the houses in this neighborhood go within a month. She also says something about getting the house that I want, taking out something called HELOC loan ...and when it sells I can pay it off. Can somebody help. The house that I want has a basement and an upstairs, I've never lived in a house with those things! It was built in '36 I have always wanted to have an historic house. The Carriage House was converted into a garage.

[@MaMa-jh6bb]

Janet…list the bills smallest to biggest then start paying off the smallest bill first.

[@lisaneuman4320]

Regarding the man who called from Germany with the wife in active duty: thank you for your service! But I do not think Dave heard his actual Question. I believe I heard him say, is it right to pay all that money on a house, or Is it better to put some of that money towards something else? I would like to know the answer to that also.

[@tubenachos]

Dave is in rare form today 😂 these callers are annoying AF 😅

[@scrubs4everr]

Love the G.K. Chesterton quote

[@msvisualize]

Funny these photos them smiling and giggling like it's no big deal.

[@frederickruderman2997]

Not funny but you’re analysis is true. I had heard they laugh at people all time you all (you’ll) totally bologna & sausage. HFURTVDX

[@droheadd]

This is frustrating at times lol, let ken talk to her, hell do a better job with some people, Dave cannot speak to everyone correctly

[@AKingM195]

Listening to Ramsey and Coleman stopping short of telling Valerie go file a wrongful termination suit. Probably don't want to bring up that there are at-will states and that they can terminate for just about any reason except discrimination and retaliation.

[@joeyhorton6923]

When he says the market went up 16.4% and you could have gotten that back in a good mutual fund what’s a good one to get into? He didn’t say.

[@LordBass]

He won't ever say. He probably can't say. Low cost total stock market index funds are great long term for most of us.

[@patricksimon8943]

Any S&P Fund would have got you there.

[@thecuriousoutsider]

He is referring to an S&P 500 index fund. Nearly every retirement account offers these and historically they return almost 12% per year.

[@nowthatsurban]

Check out target date funds. I've had mine at Vanguard for almost 20 years. Very low fees, mostly follows the S&P and slowly transitions to bonds (safer) as you get older.

[@lovingthebeach]

The market has gone up. Year to date all of my funds are up 9- 16%. Very close to the pre pandemic balances which is the roller coaster ride advice Dave gives. I won't lose money because I didn't get off. Riding the waves.... 😊

[@janetcross2797]

Take a paper write it all up all all

[@DMS20231]

Why would you have a self- storage place as a sponsor ? That’s even stupider than credit cards!

[@jacc88888]

I don’t get the logic of the first bit of advice about selling the rental condo. Is it because mortgage rates are so high? Wouldn’t the rental income from the condo help pay a lot towards the interest on the new house mortgage? $100,000 household income is quite high so a high mortgage could be paid off reasonably quickly.

[@robertaturk]

Sell the condo to reduce the amount of debt needed to buy the new house.

[@jacc88888]

@@robertaturk Thanks for the reply. I would have thought long term it would be better to have an extra investment property later on down the road than just investments (stocks and shares), especially as the world is in an unstable place so returns from stocks might not be as high as they always have been before.

[@mike125520002000]

I asked my son if he wants to be a millionaire when growing up and he said a million is nothing and anyone can be a millionaire without really doing much

[@donaldlyons17]

Well the number of cash millionaires is at max about 10% so no it is not simple.

[@amireallythatgrumpy6508]

Well that's a pathetic attitude. That's like saying nobody should celebrate their 40th birthday because living to 40 is not the achievement it once was (at one point the average life expectancy was about 40). It's not the finish line, but the million dollar marker is a marshal in a race telling you are running the right way. It is and always will be better to be a millionaire than not.

[@mike125520002000]

@@davidb2206 not yet, he is 5

[@mike125520002000]

@@amireallythatgrumpy6508 I guess you are right. It’s better to have 1 dollar than nothing if you put it that way. My point is that a million gets you nowhere. I own two paid houses that are worth 1.1 million together. I live in one and rent the other. And the one I rent out pays for property taxes and monthly grocery expenses. The one I live in well it’s paid off. But the point is that having a mil doesn’t feel at all like im a millionaire. A millionaire should be considered when your income is 1 mil a year free and clear

[@itsallperfectlynormal9805]

And, did he put his energy where his suppositions lie? Anyone can live a good, fulfilled, happy life. Most don't, their attitudes get in the way.

[@jimmyshirley7936]

I want to make sure I heard you right. Dave, you said if you put 15,000 in mutual funds for 7 years you should be a millionaire. Did I hear you right?

[@thecuriousoutsider]

I was confused by that too. I think he means 15k a year for seven years once the mortgage is paid off. The investing combined with the value of the home work together to up the net worth. He's probably speaking anecdotally based on what he's observed with what happened with people they have helped.

[@donaldlyons17]

@@thecuriousoutsider Why not focus on making cash millionaires not net worth millionaires? Housing can double in 30 years but having money one does not need ever should be their focus.

[@justicesaylor1234]

​@donaldlyons17 simple anwser is.... in a day and age where most ppl are living paycheck to paycheck... overwhelming debt and no idea of how money works.... its easier to make ppl net worth millionaires then cash millionaires.....for most to just have 3 to 6 months in savings and a paid off home would 100x most ppls lives

[@ashleyross5874]

❤

[@DebbieBennett-p5v]

She worked for a big company...does it begin with a K???

[@martinmi5]

Stealing the boss’s customers sounds like a great idea 😆

[@loucaribou7765]

This show is trash without Dave hosting

[@slewdavision]

Why does KZbin love adding commercials to this channel that go against Christian morals, values and views along with the channels views and values and morals?..

[@dianem4188]

I don't get outside ads when listening on my laptop.

[@slewdavision]

@@dianem4188 dang, good to know! Unfortunately I only have a phone and tablet to view from at the moment

[@rosemarymuthoni5853]

So you're not gonna like the answer... The Ads are tailored to your accounts and are based on your online activity and behavior. So either someone sharing your account is accessing content that then drives the algorithm to give you such ads, or you are.

[@collinslew]

@@rosemarymuthoni5853​​⁠interesting idea, and I would’ve agreed with you, except the commercials ONLY appeared when watching the Ramsey Show, and stopped shortly after I left a comment about it. The Ramsey Show was the main thing I viewed on KZbin at the time and no one else shares my KZbin account. But thanks for your input.

[@joelheffington2571]

Ramsey is wrong on telling the first caller to sell his condo and putting the money down on new house. The condo is going to have a much bigger return than what the interest on new house is going to be. He can always sell it if he needs to. He would get his new house paid for faster with the income and then have two paid off properties. Ramsey goes overboard sometimes on never having debt. Some debt is good

[@janetcross2797]

It not very funny especially if your kids

[@jaybrown7811]

These people don't really have problems

[@Gogalen789]

Yeah stop waiting on Dave ! Get real.

[@thedriza297]

What the hell is the caller babblin about?

[@raimundojustbeingme5143]

Why are they always so rude and never say goodbye to their people? These people pretty much worship them and they just hang up on them😂😂😂😂😊

[@daisy3384]

Listen to any call-in show, especially sports talk, most hosts answer the question and disconnect.... no time for niceties trying to get as many calls in with lots of callers on hold. But yeah, I used to think the same thing especially when the caller is having an emotional moment 😄

[@lovingthebeach]

Call in booth people take over.

[@OopThereItIs77777]

He was great when we called in! “Thank you for your call, you’ve been a joy to talk to” ❤

[@frederickruderman2997]

It’s called character, actually a lack of character. Hard to believe the arrogance of this rich guy coupled with his nasty rudeness. Dave is so insecure it’s comical 😅

[@HarryLime777]

My daughter is going to college and we helped her move in. My wife stayed behind and I saw that she had a six pack. I think our marriage is over...

[@dianem4188]

Eric?

[@OopThereItIs77777]

@@dianem4188HAHAHA yes

[@droheadd]

No dave it is not chaotic talking to her, thats just ur impatient ego not letting the poor lady speak her full story..ugh

[@OopThereItIs77777]

She circled around every question he asked. She couldn’t answer a simple question…he gave her time then was like WELP

[@droheadd]

@maybeitwasthrifted ok sure, possibly.. but if u watch a lot of these shows and do not notice this dudes quick trigger getting impatient and talking over people idk what to tell ya

[@OopThereItIs77777]

@@droheadd I’ve been listening since I was 8. He’s probably had enough of people calling & arguing with the methods or not being able to answer a simply question. I would be too

[@benitohernandez935]

Terrible advice

[@miroslawswiercz8494]

What a bunch of crap advice this show gives regarding real estate!

[@amireallythatgrumpy6508]

Real estate is crap by definition.

[@lovingthebeach]

No it's not. Owning debt free rental properties is AWESOME! CHING-CHING ALL THE WAY TO THE BANK. AND NO RISK. And I get to be picky about my tenants, no rush, no stress. And even if they were all vacant....I can easily afford the taxes. Dave was and is right. The borrower is enslaved to the lender. You also become enslaved to tenants if you "need them to pay rent" to pay a mortgage.