The Only Thing Scarier Than Ghosts Is Your Debt!

[@eetoved1758]

1:28:50 I really appreciate & like that these guys are giving good information in between calls. They each have the heart of a teacher, and they didn't just use meaningless filler between calls. I learned something really cool right here. Thank you.

[@flashthecorgi2053]

I missed this dynamic duo! Without fail I always laugh with them. 😂

[@eetoved1758]

I loved Jerry and Ellen's debt free scream. They are the best one in a long time. They are very real. (Everyone else lately sounds just alike.)

[@ellenspn]

Thank you ❤

[@margie909]

@@ellenspn woooohooo Ellen!! You both did great on the show!

[@Camie2030]

So true! Their income is reasonable too compared with $250k plus income.

[@litasaumalu8618]

It was the best. You could see how emotional Ellen was throughout and the freedom being debt free has given them both.

[@nicolascott6514]

Loved Jerry and Ellen, too. Speaking from their hearts.

[@themeatymama]

I freaking LOVE Hayley and Ricardo!!! Congrats, you two!

[@Spark_Grace]

So HAPPY Dave is back to his normal schedule 🙌🏽

[@helenmartin7863]

Hi, Thank you for the good shows, and thank you for all the help for people . Me and my husband been listening to you for over a year and enjoying it when we walk together. Recently when Dave was talking my husband's light bulb finally went on😅. Also when doctor John was talking he taking. I can't tell you how much we enjoy talking to John. What a good asset he is into your show. Keep up the good work guys!

[@TanyaScorpio]

My cousin was one of those small percentage where she recently had her student loan forgiven... I literally had to call her to ask her was it true and she said yes she was too thankful.

[@knight8821]

Just the preview of the audible book made me tear up. I lost my mom to cancer and I know exactly how he felt I took my mother to every appointment she had.

[@mom2bbjandag]

Oh, I love Jerry & Ellen! I started watching the video and was reading the comments, so I had to skip to their story & scream. So glad I did! 💜 -- of course, now I'm headed back to listen to the entire stream

[@amanirosefoundation]

Caller: I have the flu John: are you tired? What's beneath this?

[@Liimpy]

😄.. always with the "are you tired".. yes mthfckr we're ALL tired

[@joelmora2826]

Write the flu a letter but don't send it.

[@auburnanger6679]

​@joelmora2826 seeing this a year later and it made me laugh out loud

[@zakkrick]

It’s better to have digital money in liquor and small businesses because it makes it harder for robbers to rob you for cash. Some small shops already post up signs that says only ATM

[@haileysmith6506]

My fav duo! The only thing scarier than debt is living without heat in Boston!!! Happy Halloween y’all! 😂

[@elway423]

Bradon and Tristan DFS at 1:48 🎉🎉fantastic!! Great show guys!!

[@centerphil17]

“Picture a life brought to you by the DMV” 😂🤣

[@bettedavis9261]

Amy in Boston, my mom, who was debt free, kept the temperature in her house at 58° after my dad died (he needed it a bit warmer). She refused to pay for high utility bills

[@KC-dr3cg]

I live at 58° wearing ski pants..Patriot jacket that keeps 90% of you body heat ($10) inside! Inflation dictates that I stay extremely frugal to become debt free in 6 yrs..yep..6 yrs..I can't sit or walk very long...no disability /welfare check..just the social security at 70 on my own earnings records.

[@brookelondon8029]

i'm not sure what state you are in but depending on your income, there may be some other things available to you. My mom was on Social Security after my dad passed and because it was so low, she was able to not pay the amount of money that is taken out of your Medicare for part b every month. She also qualified for a $300 heating oil allowance and a discount on her phone bill. Check with your local state representatives because they have all the forms. And you might also have a property tax rebate that's available for homeowners or renters. Maybe you're already doing this, but it's not welfare. I hope this helps you. And I know you'll be successful with your debt-free journey!

[@helenmartin7863]

@@brookelondon8029 All the thing that you said is good if you're making bear a minimum income. But if you keep your head above bills. No help for anyone. My life is a lot worse than 4 years ago. I'm sure a lot of people are like that .they have to do something about it!!

[@aparalegal2c]

Even if I get 20k or just 10K. It still put a dent in my debt. Suddenly my medium shovel is able to get me out of debt faster

[@jdwar11]

This is a great story from a very young couple. They are going to do some great things with their family.

[@p.sherman3158]

The pension doesn’t die when you do. Survivors (not beneficiaries) are entitled to usually half.

[@go5582]

Hi great title . Debt is scary.

[@mmp495]

It is!!!👻👻👻

[@DiamondDiscipleAcademy]

2:40 On point with the look up

[@Mwd7189]

I think I’d get shot if my wife caught me turning the thermostat down below 70. 😂

[@ericmoore9444]

55:18 😂😂😂😂 Dave!!

[@Spark_Grace]

😹😹😹

[@EmilyLucille523]

Amy, you also don’t want to welcome pneumonia. 🤒🤧 Cold loves sickness and the older you are the more susceptible you become. That’s more expensive than heating bills: ER bills, antibiotics, doctor follow ups, and God forbid a hospital admission! 😱

[@melanieabbondandolo481]

The pandemic sucked but I was able to go to work more because the kids schedules were cut since activities were stopped and they were at home for school. Also the pause on student loan interest allowed all my payments to go to the principal rather than interest

[@richeyrich2203]

WOW.. Dave actually suggested that someone go take out debt. He suggested that the caller go get a loan on the house for the 50k to pay off his family debt.. which I get. It’s logical. But in many hundreds of hours of listening to the Ramsey platform, I’ve never heard him suggest someone go take out a loan for anything. Yes, work harder and pay off that debt be it family or business… but even for buying homes he says to rent until you can cash flow a home. Surprised me is all… (Though now that I think of it.. the only thing he supports going into debt for is a home. When you do manual underwriting. So he isn’t hard line against debt. Only supports it when it really makes sense)

[@auburnanger6679]

They suggest taking out loans quite often when they are under water on a car that they plan to sell and pay off but still owe.

[@KC-dr3cg]

I think that the only thing scarier than ghosts would be frugal fatigue because once I lightened up on my Frugal Focus it was really difficult to get back on track

[@KC-dr3cg]

John is correct she should give the maximum annual amount to each of her children and their spouses as much money as she can out of the $125,000 every year and not give it to her husband. It might not protect all the money but protect a lot of it

[@auburnanger6679]

With the mother who won a settlement I would have told the son to make it clear that if that money gets wasted and they run in to trouble that the son won't be able to help. Maybe she'd take it more seriously how bad the problem is.

[@rachelt727]

Love the music on this episode! 😂

[@lvsqcsl]

My investment advisor told me to borrow money on my house and invest it with him. He said it was a "dead" asset and was doing me no good. I didn't listen. Great video!

[@charityclark7910]

Don't get investment advisors off of Craigslist.

[@herminiasalas6000]

self control in spending and budget

[@josephvalentine7]

@23:03 sleeping bags… ((Legendary))

[@Stephan2P]

Nice title.

[@MiddleTennesseeLiving]

Bad advice for that first caller, Dave. You are recommending that he withdraws money from his retirement account, which is likely down 20% - 25%, to pay off his house. You should know better than that. Now is a terrible time to withdraw money from a retirement account unless it is a genuine emergency. He will be taking a 20% - 25% loss on that withdraw. You need to first wait for the stock market to recover, which will likely be at some point in 2023 - 2024. He can afford to wait, Dave. Just terrible advice.

[@flashthecorgi2053]

He’s not taking much his house only needs 163k , he is 68 and he has about 710k in his account so yes he is locking in those losses but he is gaining peace and freedom from owing nobody anything so I think it’s worth it!

[@PhilipMarcYT]

People rely too heavily on Dave's opinions. They need to make their own mature decisions and stick with it.

[@flashthecorgi2053]

@@PhilipMarcYT I agree. My decision would be to minimize any risk to my assets such as a house. He still has 500k in his retirement account which will go back up when the stock market stabilizes. It’s everybody’s preference but It’s Dave’s financial show so he gets to give the advice he wants and at the end of the day you make the final decision he just gives the advice.

[@markcowan3366]

Or, word it how Dave would. Dave: "Would you pay 20-25% more for your mortgage?". That was a weird response from Dave.

[@majybah]

I love this show

[@RyanTruongChannel]

Thank you!

[@jdwar11]

I invest in ammo and arms. Guaranteed not to lose money on smart purchases there.

[@political-social]

it's every 6yrs actually.

[@Jeansoverslacks]

What about the fear of the ghost of debt?

[@fhuber7507]

The ghost of debt is the ashes of a burned mortgage.

[@Jeansoverslacks]

@@fhuber7507 well I’m not quite there yet hopefully in two decades with a little luck

[@ericmoore9444]

The only thing scarier than ghosts and debt is my ex-wife!

[@t.g.5797]

Careful caranl Watch ur back!

[@hasani9110]

You loved her once

[@darryljoseph7101]

🤣🤣

[@Camie2030]

@@hasani9110 ouch

[@lavernbennett6771]

🤣🤣

[@euphrates74]

@12:48 Get'em Dave!! 😀

[@ivonebratton4152]

I am 58 years old . No savings. No pension. Iam a widow. Please help me . God bless us.

[@PhilipMarcYT]

Take a look at your finances (checking account, debts, bills), sell what you don't need/want anymore, live on less than you make, make some sacrifices you're willing to live with, and you'll begin having savings. I used to be a Dave Ramsey fan and still sort of am, but I now tend to disagree with him more than I agree so I wouldn't take his advice as the definitive solution, rather instead a guideline and make improvements upon it. One example? He mocked the guy for being worried about digital currency which is a real threat, though Dave is unaware of how horrifying CBDC really is because he's so clueless. I sent this video to Joshua Fluke so maybe he'll roast Dave, too.

[@myrat.9807]

You forgot how does raising minimum wage effect the economy?

[@bridgetnash638]

I am literally Amy. 62° is NOT that bad.

[@marianoa.r.7996]

🎃 tell ‘em Dave! 👻

[@PhilipMarcYT]

Yeah, CBDC (digital currency) is just a conspiracy theory.

[@time2heal]

Dave, do you advise investing in the Powerball?🎃

[@bettedavis9261]

Can't figure out if you're serious or joking. Nice answer: No, Dave wouldn't advise investing in Powerball. You must be a new listener. Snarky answer: You must be a troll.

[@PhilipMarcYT]

Good luck with that. lol You're gambling your money away.

[@PhilipMarcYT]

@@bettedavis9261 The emoji icon at the end looks like it could be a joke question, but I still answered it. Calling her a troll is a bit uncalled for, tbh.

[@time2heal]

@@PhilipMarcYT Thanks for the answer! It was Halloween and Powerball night for Pete's sakes! @BetteDavis (or is it HushHush Charlotte?) needs to buy just an ounce of humor with all her 💰 🤑

[@bettedavis9261]

@@time2heal 😂😂😂😂

[@RS-xq4hf]

A guy with $36k income who needs to save for a new car paying off $50k in 1 year? Even with side hustle, math isn’t mathing there. 🤔

[@hairbytomrose7143]

Is Dave okay ? His breathing is getting heavier between conversations.

[@Angel3es]

Give away 10k ? Jesus

[@litasaumalu8618]

Lol at Amy don't be a drama queen 😆

[@slidegirl9166]

No-heat lady must be a treat to live with

[@Camie2030]

Yeah. I heard it and I was in disbelief. So crazy!!!!

[@droptozro]

62degrees isn't that bad really. We didn't turn on our heat either during a quick cold spell for a week and the house stayed in the 60s. They make a nice income so it must seem easy for them to buy it--but if you don't actually USE fuel oil you have no idea how much it actually costs right now to fill up a 500 gallon tank for $5+/gallon and then depending on the house size and outside temperature do it again in 4 months. We used to have fuel oil so I know what it was like to drop $1000 at a time for oil fillups every few months in our small house... so glad I got rid of it last year.

[@bluebelle9572]

My partner and I went thru similar situation. His rebuttal was, I work outside all day, when I’m inside I want to be comfortable. I conceded happily. He presented a reasonable argument. It’s worth it to be happier. I hardly ever touch the thermostat anymore.

[@Liimpy]

Surely dave knows the difference between a digital transaction and digital currency.. only one can be exchanged for physical cash.. kinda irritating they were so dismissive, and insinuating it's a conspiracy.. never been a bologna fan.. get a clue dave

[@PhilipMarcYT]

He either knows and is purposefully playing dumb, or he's just that clueless. CBDC (Digital Currency) is something that seriously worries me because they have the power to make our money valueless just with a snap.

[@babycomo]

Dave is a really good at a lot of things and he's a smart guy. But he is very wrong on inflation and the Fed. It's unfortunate that he's spreading falsehoods to his audience. Stick to personal finance Dave. You can do it my man!

[@shaniquaAK]

My “lunch with Ramsey personalities” was probably worse than retirement home food. No lie. Two slices of white bread, a slice of meat and a bag of chips. Literally dry bread and meat

[@PhilipMarcYT]

They're not wealthy for being generous, though.

[@shaniquaAK]

@DoublePortion4ME 🙈🙈🙈😂😂😂 good one!

[@PhilipMarcYT]

Dave Ramsey is still clueless what digital currency is about. It's not using your money digitally, it's CBDC which means turning one's money into vouchers with an expiry date. Look it up rather than mock people for it, Ramsey. Overall, still a good episode, but that part was terribly immature.

[@Nigriff]

Keep Brandon out of your wallet.

[@edwardeighth1948]

The only thing scary is Dave's hairline on this Halloween 🎃

[@Matt-eh7lb]

Go away

[@FLOODOFSINS]

They are literally admitting to you people in the comments section that they are doing financial fraud by admitting they don't know and don't understand what the FED is doing what they are doing and trying to give you advice.