The Ramsey Show | December 16, 2024

[@dentond4913]

Can’t believe Dave said yes on the first call. I agree with Ken

[@angelakyriacou]

Yes pay for home 1st

[@brucefredrickson9677]

Taylor from Fort Worth: Another option is to go to school and start working on baby making during your 2nd year of school. School becomes much harder later in life when you have kids at home.

[@pandafox12]

Don't wait to have kids, especially if you want more than one, which i recommend.

[@gamersetherealjourney]

caller 1 - 00:45 caller 2 - 10:40 caller 3 - 22:10 caller 4 - 27:10 caller 5 - 44:00 caller 6 - 50:00 caller 7 - 55:00 caller 8 - 58:00 caller 9 - 1:07:40 caller 10 - 1:16:50 caller 11 - 1:22:00

[@cyrilahiable9045]

Hero 🎉

[@greggs2240]

This is awesome! Much appreciated!

[@buckybarnes3803]

@journeymanxth lol I swear it only feels like there's 3 or 4 caller....

[@sherrycook569]

I graduated with my masters degree while pregnant with my first child at age 27! That worked for me. We had 5 children including the last one at age 43!!! We are so blessed!

[@mattlaeff724]

If the youngest is 43, how old is the oldest?

[@ellea2541]

​@@mattlaeff724She (the mother) was 43 when she had the youngest! 😂

[@mattlaeff724]

@@ellea2541 🤔

[@Tarandfeatherz]

Life insurance guy gave me such a fishy feeling.

[@TulsaDude]

Same

[@TamiBri]

I wonder if the life insurance guys parents even actually knows he took the loans out. Or was he like, “Sign here!” Smh

[@ekalmen]

There are many stupid things I’ve done in life. The only thing I truly regret is waiting on having children. Don’t wait have children.

[@mqrkoh]

Why?

[@Winston125]

Because having kids changes you for the better, if you are doing it right. ​@mqrkoh

[@angelvalencia7955]

Amen brotha. The only regret I have is not having more than 2.

[@rosedewittbukater5763]

I regret leaving my son's dad. Probably will never have more children.

[@Joce123]

I am grateful to the people who adopted me I was not an infant. I was an abused 3 year old..never needed counseling..I'm successful. My kids are successful.....just saying..

[@Joce123]

Guy with life insurance uses too many words

[@republicunited2183]

Sounds like he’s waiting on that $. Sad.

[@Zee-zj2uh]

You mean the guy who's taking his parents for a ride? Con artist should appear on his resume.

[@duncanjoiner7319]

@@Zee-zj2uhyelp thats exactly what I told from him

[@isidorolopez265]

I can agree with everyone who saying have kids early sounds fantastic, but remember one thing one absolute very, very, very important thing. You better have the money for it!

[@cr-rb4kj]

They ain't that expensive.

[@TulsaDude]

America thinks kids are expensive because we want to spoil them or not sacrifice time with them to work extra.

[@MollyMA13]

They made over $175k a year. They’re fine on the income front.

[@brucefredrickson9677]

Kathy from Indianapolis: You are not a good listener. You run to your daughter's home and have broken your marriage vows to "love and honor" your spouse. I'm not saying your spouse hasn't done the same but it sounds like you have checked-out of the marriage. Like Dave said, you have bigger problems than deciding your investment mix.

[@MollyMA13]

Yes. And being gone from your home for so much time?! Talk about stifling a marriage. Your #1 emotional priority is your partner. Not your kids. Obviously we really aren’t getting the full story here but still

[@angelakyriacou]

Nice shirt Dave 😊

[@JanMacdonald-r5j]

The woman at who has been married 41 years doesn't listen, certainly to Dave and my guess is that she doesn't listen or hear her husband. She's incredibly irritating. I'm a woman & she's irritating me

[@hillbillykeef9387]

He can drive it for a few years and still get say 150 Down the road. As I was typing this Dave said what I typed. 😂 Pretty close. Lol

[@JulieJulie-bw8zd]

To the nurse... coming from an NP who graduated np school, had a baby and started my first np job when he was 12 weeks old....do both!! You can start a program, eif you get pregnant, can pause or go part time. Some schools will give you five years to complete. Some you can do part time. Right now you can also make more as a med surgery nurse then an NP!

[@robertskorich7159]

I'm a mechanic ase older vehicles are better vehicles period

[@Joce123]

So many recalls on late model vehicles it makes you wonder who is building these vehicles.

[@amireallythatgrumpy6508]

Manufacturers are now deliberately making vehicles that only last 5-7 years so that people have to buy vehicles frequently.

[@creamyboyy]

While i can appreciate classics, especially if it was a restoration project, there is a reason average vehicle mileage has increased with time. Cars are no longer ticking time bombs once the odometer hits 70k miles. The odometers used to roll over at 99,999 because they didnt think it would make it that far

[@loucaribou7765]

The divorcing lady sounds completely out to lunch she can't even describe what is wrong with her husband

[@anniethomas451]

Her daughter is very lucky! Of course they let her come whenever she wants to help out mommy with the little ones!

[@Zee-zj2uh]

Mom and daughter are in a co-dependent relationship. Dave can't be her on call therapist. That is a job for Dr. Deloony.

[@karenbochinski]

I believe in trade school. What about the military

[@kahledalbert1210]

I don’t believe any of these people who call in with millions talking about buying Lambos. No way would someone who listens to Dave call in with such a ridiculous question.

[@dawnraquel6891]

Right!!!

[@AndreaAllen-v6y]

I think they just wanna boast. I guess I’m not a car person. If I had $3.3 million in net worth I wouldn’t spend that much money on any car. I think what he should’ve asked him was how much on your mortgage, do you have. Because he has a mortgage.

[@bryannelson7612]

Same

[@AaBbCcDdEeF]

250k car with only a 3.6 mil net worth is a bit crazy.

[@Scarface_445]

Well he’s 39, net worth of over 2.5 and makes 300+. You don’t get to age 40 with 2.5 making 300 and not once overspend on lifestyle. Making 300+ you should have more than 2.9 by then. Keep in mind after liabilities dude had less than 2.

[@rhondab7937]

You better be careful cashing out those policies may be tax consequences to your parents. If they haven't paid into the policy compared to what you borrowed that's taxable

[@daniellejackson6034]

Honor they mother and father. The first gentleman sounded entitled and wanted to impress Dave.

[@mattlaeff724]

He sounded like a weasel.

[@MrMustangrick]

He can afford the Lamborghini. Mortgage, small Kidd, wife doesn’t work. He doesn’t have enough cash without liquidating investments. Not smart.

[@MrMustangrick]

Can’t

[@pandafox12]

I mean I wouldn't, but he could burn the money and still be fine. He could pay off the house tomorrow if he wanted to

[@Rick-of6gx]

Yeah, I don't believe I would do it if I were in his situation. Lol of course I also don't have the net worth he does either. I would definitely pay off the mortgage in his situation.

[@MrMustangrick]

@@Rick-of6gx Yes Rick !

[@AndreaAllen-v6y]

When Leon first mentioned his mortgage, Dave should’ve asked him. How much does he owe on his house. That should’ve been DAVE’s first question.

[@Zee-zj2uh]

Leon sounds like at 37 he's having a mid life crisis! Clark Griwsold fantasy...Christy Brinkley drives by in a Lamborghini and he's a goner!!!!

[@davidhepworth3956]

Personally I think he should buy the car. It's $250,000 and he's worth $3.6 Million. It's 7% of his net worth for something which he wants to buy and enjoy. I don't care if it's more than 50% of his income, he's obviously worked hard to have that net worth at 39 and has earnt it.

[@1whical]

The biggest shocker in this entire episode is bro hasn't seen Christmas Vacation!! Huh?? How??

[@TulsaDude]

He was a boring A person, for real

[@Danieltorres-bg6nh]

I love you Dave

[@Zee-zj2uh]

I love Dave, but as a Christian he needs to remember that God doesn't want His children to worship idols. Dave's idols are his cars.

[@cutthechicken194]

Taylor finished the 2 years Before having babies. You'll be able to study & learn in peace without interruptions. Postpartum is no joke And Postpartum is different for every woman

[@CatherineKamariEstrada]

Taylor girl if you are reading this from one nurse to another don't wait to start your family. I currently work as an RN, and in school pursuing my NP. I have a 3 month old. I had a baby while in school for my prerequisites for nursing school. I had a second baby while enrolled in the BSN program, and as I stated just delivered a new baby in September. I only have one year of school left to achieve my NP. You will NEVER regret starting your family. It has given me more drive to complete my dreams for them, and I know in the show you stated you and your husband are 28. I'm 34. You can do it. Don't forget most NP programs (and quality programs) are 100% online with the exception of your clinicals. Good luck!

[@Joce123]

58 year old Taylor...would be happier going to school until the pregnancy happens...It might take 2 years...She is getting older considering chance of getting pregnant.

[@daniellewilson9040]

That's exactly what I was thinking. Just like he said you don't have any control on when that baby comes. You can plan but you can't plan the outcome. Go to school and start trying for a baby next year.

[@AndreaAllen-v6y]

Kathy’s daughter just wants a free babysitter

[@Zee-zj2uh]

Brilliant point!

[@hdsensing]

LOL...Dave's favorites...real estate, guns, and cars.

[@the30sumdadgamer60]

Whole life insurance guy, I’m close to 100% sure, was using this platform to SELL whole life. He did his best to make it seem like a GREAT INVESTMENT!!! lol of course, Dave probably knew as well

[@AmIJosi]

Go to school after having kids? It’s not impossible but we all know it’s much harder specially for women !!! Girl, finish school first and you will never to worry about it anymore, nor will have to leave your kids to go to school !!

[@CatherineKamariEstrada]

I disagree. I am currently a nurse and in school for my NP. I have one year left and just had my THIRD child. She is 3 months old. She won't have to leave her kids to go to school. Most NP schools are 100% online now with the exception of clinicals. Taylor can easily achieve her NP degree while starting a family. MSN programs are usually 24 months 9 of the months she'll be expecting, and the degree is practically over with by then. Do it Taylor!! You got this girl, get it out of the way. By the time the kids are born you can decide to only work 1-2 days as a NP and get more money w/o breaking your back doing floor nursing.

[@coconat777]

She could do it online or go back once the kids are in school. Don’t take your fertility for granted, our friends are both 28 and dealing with infertility.

[@tommypham1101]

One thing I learned in life… I waste time in the womb, I shoulda brought a home in 2008 but now with the price of inflation it’s insane. For all the baby still being developed try to push yourself out faster to start investing.

[@lm1534my]

Nah, bruh with the cost of housing out there, I'm gonna stay right here in my cozy Utero digs

[@tommypham1101]

@ 😂

[@AaBbCcDdEeF]

First guy’s net worth breakdown numbers are all over the place.

[@Patty-xi6gz]

My network is 3.3 million and I make 30,000 a year! I wouldn’t dare!!

[@amireallythatgrumpy6508]

Your network? WTF are you talking about?

[@Rick-of6gx]

She owns AOL🙃

[@Zee-zj2uh]

​@@Rick-of6gx😂😅😂😅😂

[@Zee-zj2uh]

​@amireallythatgrumpy6508 Didn't proof read her/his 1 liner.

[@PeaceandQuiet4]

For the nurse, please go back to school and get your NP degree. It will be so much more difficult having a child and then trying to go back to school. What if you want a second child a year or 2 or 3 after the 1st one? School will only be 2 years, you can almost double your current salary, you'll only be 30 when you start to have a child. The faster you can make higher wages, the better long-term financially and personally. I love Dave to death, but I'll have to disagree on this one.

[@Elizabeth_lowkeyluxuries]

Nick pay out the bonuses

[@Rucksackchronicals]

i'm doing but just not getting it , i am trying ti avoid the negativity that seems ti be flowung more consistently across financial ,credit , honorary fat man money , what is the life lesson in working to make someone else a comforrable retirement , that's my taje on my current specialized job not really a job it's like an advance home eck job like in a deli .

[@Zee-zj2uh]

Your comments are so poorly written that they don't make any sense. What's your point exactly?

[@LapSwimmer9127]

I don’t understand why that guy can’t live with his parents more than 3 months - I would live there a year and pay off the debt, save up a solid nest egg.

[@republicunited2183]

I told my kids to stay at home as long as they want to save $. Then move out, get a roommate, get married, etc. leave with a great investment and money stashed away.

[@coconat777]

Don’t wait to have children. I’m 27 with a 1 year old and it’s been the best thing that’s ever happened to us. You also need a lot of energy, and if you plan on having more than 1 you need time to recover between pregnancies and allow yourself to breastfeed if you can/want. Also, we have friends that are just 28, dealing with infertility. As a woman, it becomes harder after 30, and after 35 it becomes higher risk. Have your babies, work and go to school later.

[@MarnaCOG7]

I was wondering why she said "only 30." I know a 30-year-old who just had her 7th kid with the same husband of 15 or so years. So she had that option to stop at any time and be done by 30. If you wait until 30, you lose some options. I only say this from observation of her and other families. I'm single and have no kids of my own (hosted a few high school exchange students).

[@bettedavis9261]

​@@MarnaCOG7so this 30 year old has been married to her husband for "15 or so years." In other words, she was 15 or younger when she got married to him? Interesting...

[@kstraigh5991]

No, it does not become higher risk after 30 for most women.

[@coconat777]

@@kstraigh5991 actually yes it does, please have a look at the statistics. A large amount of our eggs are gone by the age of 30, and after the age of 35 issues such as stillbirth and baby acquiring disorders increases. A lot of women will still have a healthy pregnancy, however they and baby are more likely to have more issues and a more difficult birth. It’s nature.

[@MarnaCOG7]

@@bettedavis9261 Sorry, I should have, woman in her 30s. She married in her early 20s.

[@isidorolopez265]

Two minutes in the fair be fair Dave says the husband wants to work together now I know he matches his wife all the time his wife never ever ever ever ever see his wife now he addresses her that she’s OK and you know she supportive, but that’s all to the extent ever ever ever says anything about his wife. He needs his wife in there then if he can recommend somebody else’s wife, be there with their husband and wife as a team, put his wife in there with him!!!

[@tkw9615]

Sometimes a business decision is exactly what it is...a business decision to make the company more profitable long term so people do not have to be laid off

[@cynthiawlaughlin5435]

Oh gosh not the jelly of the month club Griswold

[@MatthewChurch-m3f]

08🎉🎉🎉

[@johnnatuttle4344]

Kathy can't give examples of her husband's behavior.... what is the problem???

[@mattlaeff724]

Sensless to have other people beside Dave. No idea why he implemented this. Each episode, they say nothing.

[@TC2020-w8u]

Juat buy a brand new 911 for half the price.

[@pkrpdl9555]

He as 39 years old married his elder sister of age 41. Isn't that maniac based on Bible ?

[@GoldenOldies-007]

caller one- I got to wonder if the callers wife said NO to the stupid overpriced car and this is why he called in??? Classic Man Child. Also why does Ken look like he just rolled outta bed? Looking a bit hung over for sure!

[@Rick-of6gx]

Ken's hair looks styled to me and don't see him wearing sweat pants and t shirt or anything, wouldn't say he looks hungover.

[@Zee-zj2uh]

Ken has a "Case of the Mondays."

[@TC2020-w8u]

Uhhh. Used or antique cars DO go up in value. You have to buy correctly but the worst that will happen is you will beat inflation. (Have been in the market for 35 years). Something that the aransey show ignores in all calculations.

[@LapSwimmer9127]

Who can survive on $40k a year in retirement? That’s not much

[@tammywelch6232]

I can!

[@deannahardemion2071]

There are people who live on less than that who aren’t retired. If you don’t have a mortgage or car note it’s very possible.

[@kstraigh5991]

Anyone can.

[@DawnMaxwell-y4z]

Good luck finding parts in a car that old .

[@MrMustangrick]

You can find them but Lamborghini parts and service are sky high $$$

[@mqrkoh]

Plenty of parts. The wannabes wreck them all the time.

[@annelonnig3889]

I have three children and no money. I‘ d rather have no children and three money😂

[@AwakeNotWoke444]

So you value money more than your children?

[@Joce123]

Scholarships to be a nurse practitioner could be an option....Babies are expensive!!

[@Joce123]

All of the books have gone up too much

[@republicunited2183]

What hasn’t?