To Change Your Results You Have To Change Your Behavior | December 13, 2024

The Ramsey Show | December 13, 2024
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Rachel Cruze & Jade Warshaw answer your questions and discuss:
"Should I invest while in college?"
"Should guests pay for meals at our wedding?"
"My late husband hid our finances from me"
"I have a big problem..."
"How do I budget an irregular income?"
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[@journeymanxth]

caller 1 -00:40 caller 2 - 04:05 caller 3 - 14:40 caller 4 - 23:00 caller 5 - 43:10 caller 6 - 53:10 caller 6 part 2 - 1:04:50 caller 7 - 1:15:50

[@nathenleelewis]

Better than Indiserve

[@matts1978]

@@journeymanxth that is effort

[@promiseguy02]

Thank you so much

[@carolynwalker3541]

I totally agree with Jade on the buying of gifts for adults. Adults can buy their own stuff.

[@onerealmmapping]

Let's just admit we love Dave Ramsey cos he is brutally honest, sarcastic guy. 😂😂 These 2 are too nice.

[@qepps7602]

Yes I love Dave he gets straight to the point no emotions no time for your feeeeeeeelings

[@nakke3]

I agree, but after listening for 2 weeks daily (found this show then), it's a nice one breath of fresh air after diving back tomorrow 😅

[@JuliaCloonan]

I totally agree on gifts for adults. Last couple years we did an exchange where all 6 adults were in a hat and you buy for one. This year we just decided not to do adult gifts at all cause everyone is tight on cash. We are still making a meal and getting kids one gift per person. Enjoy the REASON for the Season ✝️

[@marysaltlife1427]

Julia, we've done this for years. You'll love it and appreciate growing closer to our Lord.

[@angelagould54]

As a baby boomer (65 female) if I choose cash gift my choice. I like giving a gift. Plan wedding, reception, and honeymoon on your budget. Do not expect guests to pay for you.

[@Leemajors380]

This is Dave's platform, and he's sharing his platform with others that he can trust with their own opinions. I like you all.

[@onerealmmapping]

Btw, in our household we always give our kids budget for gift. Teaches them how to manage money. We gave chores with points, so things they buy I will remind them it's coming up from their points. It works, they realize the more useless things they bought the more they spend their hard earn money. 😂😂

[@promiseguy02]

Hahaha love this

[@deannahardemion2071]

My favorite 2 hosts 🎉

[@badlands9100]

thanks to todays staff in leading the show today!

[@Joce123]

Did someone turn the heat down on the set? It looks like they're freezing.

[@onerealmmapping]

Agreed. I do not need gift, my kids would love it. So true. Every year my mother in law give us expensive gift. I am grateful, but oh boy I feel like I can find a better deal of some of the gifts. Or at least be frugal a about it.

[@MrMustangrick]

Why is Jade wearing a life preserver?

[@lepoj]

2nd caller is proof this show is screwed once Dave is gone.

[@naggielarr7766]

What advice would you have given?

[@bluedevil0111]

💯 It sounds like they told him not to take a 50% match because of suboptimal investment options. Dumb.

[@bjreeves-kempf6940]

We do the kids in our family tree and the rest of the people we play a gift game 1 per person and that is fun.

[@pandafox12]

They blew the 401k question

[@Kevin.Grindel]

What would you have said?

[@pandafox12]

1) Don't overlook the match. A 50% bump in basis on day 1 will make up for a ton of yield 2) There's zero chance that any firm has a policy of only bonds. It's probably like a retirement 2050 blend with 8% in bonds. Who cares. You can move it to 100% equities later if youre concerned. 3) Dave throws the baby out with the bathwater on his dislike of bonds. There are many scenarios where they can make sense. Certainly no need to runaway 4) It's very likely that the tax benefits are greater than the minor yield difference

[@CristinaE-dh9pd]

In Japan, they are giving money in an envelope!🤢

[@CristinaE-dh9pd]

At weddings, funerals, etc

[@nakke3]

We got half of the honey moon trip to Africa paid by our parents here in Finland. Also our 10 000 $ wedding is probably in a top 20% most expensive in Finland. I don't understand the 50 000 $ weddings in US 😮

[@onerealmmapping]

I think they are pretty good

[@TC2020-w8u]

Imagine being in "college" and calling s radio show to ask such a question. Good luck America....

[@TamiBri]

I’m exhausted listening to Allison 🤦🏾‍♀️ ma’am sometimes you just gotta say NO. she’s taking care of her entire family and her extended family. Geesh 😢

[@georginaadre7678]

I don’t like these hosts the way they lead. Dave is best. He should host every show. These two ask callers same questions, it’s like aren’t you listening? They’re so distracted.

[@Joce123]

Dave's going to cut back. I just think of all the hours and days that he has spent changing the lives of millions of people.

[@mhengler27]

I think they’re great! They all do a great job

[@Trustbutverify2651]

These two are very repetitive. They should listen to and critique their own performance. They say the same thing several times, particularly Rachel, and then parrot what the other has said. Say it once, sY it strongly and straight, and then MOVE ON to other calls!

[@bluedevil0111]

Did they tell the second caller not to take a 50% match because of suboptimal investment options? If Dave isn’t on, I think I’ll watch “The Money Guys” instead. These ladies offer some questionable financial advice.

[@bettedavis9261]

I prefer The Money Guys any day over this show, no matter who is hosting.

[@Joce123]

We could always watch a different podcast.

[@BlakeC341]

Working like a "mad man" to pay off $15k without rent or a mortgage? 😂😂😂

[@shawncall9182]

Other than Dave or John, Jade just takes over every host and call??????? Every time I see she is on, I laugh and think here we go this will be interesting 🤷

[@reyrey992]

Yeah, jade is too much, but my thing with her it's her questionable financial advice

[@nowthatsurban]

She paid off a lot of debt then got this job. She’s not qualified to be telling anyone what to do financially.

[@Kevin.Grindel]

@@nowthatsurban technically none of them are qualified to give financial advice. They just understand the Ramsey plan and can parrot the steps. Dave, Jade and George can talk the talk and have walked the walk 🤷‍♀️

[@reyrey992]

Least preferred group of hosts

[@kelsiv1702]

😮

[@matts1978]

Lol...George is the worst and he's not even that bad. Jade could take over the show one day

[@reyrey992]

​@@matts1978I'll stop watching if that happens

[@Prettymom619]

Love these two. Stop being a hater

[@matts1978]

@@reyrey992 😀🤣