Make Decisions With the Future in Mind (Not the Present) | July 3, 2024

[@elissapoh7782]

My first car (that my dad bought me) cost $300. The mostly red car had a blue front quarter panel and black tape to cover the rust spots. When you turned on the vents, pine needles would fly all over the car. When you pulled into the gas station, you had to fill the oil and check the gas. Sometimes you needed 2 feet to start it and to hold your tongue right (it was an automatic) We named it the red rocket. I drove her for over 2 years and sold her for $500. 😂😂. I mean, if you never drive a hooptie, you are missing the opportunity to acquire the life stories that go with it 😂😂😂😂

[@sewwithore3618]

😂

[@vertiefisher4462]

😊

[@catherineskis]

What year was that? In 1983 I bought my first, new, car...AMC Renault Alliance and it was less than $200 a month. I named her, "Coquette".

[@elissapoh7782]

@@catherineskisI got the Red Rocket in 1995. She was a 79 AMC Spirit 😂. She was $300 total… not per month 😂😂

[@Truckerdaddy]

I've got a hooptie portfolio at this point. 1985 Dodge D150 for $500 needed steering column. Sold it for $100. Driver door wouldn't shut, smoked to high heaven, and motor mounts were held together with bailing wire. 1993 chevy 1500 SWB paid $800. Needed tune up, light switch started arcing while driving home and I lost all lights. It was about 9pm and dark. Had it over 4yrs and sold it for $400 because I needed bail money. I've got a couple others that I didn't have long that were real trash. But my current hooptie is a 2008 dodge dakota sxt extended cab. It's been wrecked multiple times prior to me owning it. But I've had it since 2018 when my grandpa died. Bought it for $1500 from his estate sale. Currently has 189k miles on it.

[@roseyfischer]

I retired a few years ago and I'm doing okay, but I can't help but worry I should have planned more. There's this nagging feeling like I might run out of money someday.

[@WillParffit34]

I hear you. It's scary to think about outliving your savings. Have you considered talking to a CFP? They can help you create a plan based on your goals and risk tolerance

[@Andres_853]

Yeah, that might be a good idea. I know a friend who swears by his CFP, Aaron Morgan Bell Apparently, he's grown his portfolio significantly.

[@WillParffit34]

Aaron Morgan Bell? Really? I've heard good things about him too! He seems to be a great resource for securing your financial future.

[@Sanchyfab]

That's a good idea. We could also look into some investments together that tend to do well during inflation, like real estate or certain stocks.

[@Sanchyfab]

I am nearing retirement, and it seems like i have nothing. My portfolio is not growing. I tried going into trading. It didn't Go well

[@anniethomas451]

*Powdered Butt Syndrome*😂😂 I LOVE this!

[@bettedavis9261]

Dave has said that for years

[@janicebreaux4956]

Dave, you are so brilliant & reassuring still after all these years. Your message is the same and I really enjoy it. Thank you!

[@douglasbennett9044]

Love John and Dave!

[@princess5993]

I LOVE the Dave and John DUO. So funny together and very wise at the same time

[@foxxxybrown555]

Agreed!!

[@mmp495]

I love their laugh when something funny hits them 😂

[@3roachkidsdhe]

Dave is so inspirational and John on his show because of them I started doing Uber Eats while looking for my real job. I now have a part time job in my field and do Uber eats along with raising with my three children. Listening to Dave say one of the reasons people don’t succeed is the belief that they can’t had made me believe that I can. John Delaney saying why don’t you believe you are worth it has made me know that I am worth it!! Thank you guys for helping me with my life.

[@daurissacrank3270]

Happy Birthday America 🥳🇺🇸 🎆

[@kristencampbell5533]

I had the same thought as Dr. John about the self managed retired account. She sounded like she was day trading or something. I'm glad he pointed that out!

[@alleykeosheyan4779]

When I was younger, I thought my parents were total failures because they couldn't/wouldn't contribute to my college. Now I'm glad that I had to find my own financing (meaning I had to keep my grades up and my nose clean and get scholarships) and that they didn't take out these awful "Parent Plus" loans. Those frikkin' loans are like albatrosses around people's necks!

[@bluebelle9572]

Chad, I liked your story about how your coworker introduced you to the Ramsey plan. 😂 I also found out about Dave when I overheard 2 coworkers talking about him. Then I looked it up myself and it’s game on. 💙💛 Enjoy your trips you two!!

[@heatherdoeur114]

I was on a 3 way call with 2 coworkers today. Coworker 1 told us she’s taking extra call because she’s trying to get out of debt. Coworker 2 said, “Are you on the Ramsey plan?” Me:😮😮😮😮 You listen to Ramsey too????!!! Coworker 2- Yes! All the time! Me- me too! Every day! Coworker 1- I’m going to look that up when we get off the phone. 😂🎉🎉🎉❤

[@joshhoodrat451]

“A society that puts equality - in the sense of equality of outcome - ahead of freedom will end up with neither equality nor freedom. The use of force to achieve equality will destroy freedom, and the force, introduced for good purposes, will end up in the hands of people who use it to promote their own interests.” -Milton Friedman

[@lindaburnside3832]

For the disabled young man, social security disability offers a path toward returning to work. They give the disabled person a two year transition period, and benefits are not completely cut off (depending on how much money the person is making) during that transition. If he were to relapse sometime in that two year period, and be unable to work again, then he returns to his disability payments from the government. It's a little more complicated than this explanation, but I have a family member who is also young and disabled. We tried to transition him to working, but he was not able to work afterall. Vocational rehab in your state is the resource that can assist the young man who wants to work / build wealth.

[@myoldvhstapes]

Your relative is probably eligible for an ABLE account. He can save and invest without the money being counted as an asset. Best of all, others can gift money into the account and it does not count as income!

[@catherineskis]

Thank you for explaining that. I have no problem paying this for deserving people who want to better themselves who will actually better themselves. As for those who are in and out of rehab to get an endless supply of free money, that disgusts me.

[@Davefitz04]

Bro John with the soggy cereal comment and no one acting like he didn’t just tell that where story 😂😂 I’m dead.

[@Chessdude4]

Jackson who got kicked out of basic.. i heard a lot of excuses for not working for a month.. take a bus, take an uber, borrow a car, ask a Coworker for a drive, ask wife/girlfriend for a dropoff, walk, ride a bike.. stop making excuses

[@nicholascowley8885]

The smirks on John and Dave’s faces at 1:00:00 had me cracking up 😂. We all know what my guy was about to say on live radio 😅

[@mr.g.culinary]

I’m glad someone else caught that 😂that was a brilliant self-censor lol

[@nodsib]

I was just listening with my earphones in, and I had to rewind it 30 seconds to see if I heard what I thought I heard and their reaction was priceless 😂

[@pamsmith1665]

CHM. The reason there is no network or assigned providers is because its a crap shoot. You always pay in but no guarantee your medical cost are going to be paid. Its up to the other Christians to decide if they want to take money out of the pot for you. Pay for health insurance, not this.

[@terriweatherby5968]

I like Dave and John together 😊

[@Krazybonejabs]

Just paid off my 2024 Accord Hybrid "Jesus car", now one last loan for 37k which will take 3 months, then the house at 505k which will be about 3 years! Too easy!

[@JoseConseco-w6y]

How much do you make a year ?

[@Beginnerreadsthebible]

That's not a Jesus car.

[@christabellecarpenter2354]

Man, I wish the people calling in, would state their pertinent info, ask their question and then be quiet.....so many of them keep talking over the hosts so you can't hear the host or the caller!!!

[@amanirosefoundation]

JD focuses too much on trying to sound smart, trying for these home run comments and analogies and it just doesnt work. I wish someone would tell him just say what you're trying to say in plain english

[@juniekalu9340]

I disagree. He provides psychological insights on why people behave the way they do. He's actually spot on when he comes to the emotional aspect of behaviors - both good & bad.

[@flashthecorgi2053]

“Don’t pee in the car” was pretty clear. I have no clue what you are talking about! 😂 In all seriousness though Dr. John is AMAZING and his ability to articulate things and simply them to a level where somebody without a PhD or even a college degree could understand it is pretty impressive. Just love Delony! ❤

[@dct623]

Very well put. If he did that and quit the dramatic sighs he'd be much more tolerable

[@amanirosefoundation]

@@dct623 I hate that for him 😆

[@ClutchSling]

I’ve caught on, he didn’t start off that way tho

[@susanschmitz5871]

The first caller….”umm umm umm” oh my goodness I lost count and couldn’t listen to her anymore, the umm thing was so distracting.

[@alleykeosheyan4779]

That's because people these days are so busy playing with their phones they don't learn to communicate in real life!

[@yankos_]

1:25:20 Dave is dismissive... again... I don't think Dr John will be staying at Ramsey very much longer.... 😞

[@ginnydavenport3303]

“The car I bought sh-- died”…… everyone is grinning. 😂 we all knew what you were going to say.

[@yankos_]

1:02:36 "Old Dave", "John" (Yianni in Greek) are endearing terms for a car.... Calling Dr John a "mule" is rude, especially in Greek where its a very derogatory term, if you want your head removed.... Disgusting... A repressive, submissive, controlling term....

[@curvygirlzrock8836]

Ohh my goodness… it 2:52 am and hearing Dave say “ heated seats and a sunroof” made me laugh out loud… he is just so awesome..💥💥💥💥💥💥💥💥

[@yankos_]

1:41:32 ....There we go again.... Sorry Dr John....

[@jaijai1132]

Yea! Totally uncalled for, even under the guise of a joke.

[@LordBass]

"Dave, I've been listening to you since Moses parted the Red Sea. I want to sell my first born to arbitrage a mint collection of Garbage Pail Kids and 18th Century wooden teeth. What do you think?"

[@Pidol.Chichi]

That first Convo was great ❤ "Old John the Mule." - Dave's reaction 😂

[@CMBBmc-jd6ur]

I sometimes check in on this show to see just how knuckleheaded some people are.

[@robertpalos564]

For the 19 yr old caller, the divorce decree most likely is applicable when she is a minor, now that she is technically an adult, he no longer will have to provide any stipulations in the decree

[@clouwho7675]

If she won't do counseling before when you have a problem later she won't do it then. Runnnnnn. Speaking from experience!!!! Runnn now!!!

[@melrosepnn]

Chad and Natalia, congratulations! Thank you for sharing your story. Touched my heart made me teary eye. Lovely humble couple! You're my inspiration! God bless your family!

[@NataliaGardner-k3q]

Thank you for your kind words!

[@lovejoyg10]

I agree premarital counseling is wise. I would want my kids to complete premarital counseling, financial peace university and do the one year Bible with their future spouse before marrying ❤🙏🏽

[@brianivey73]

Jennifer from Tampa, good job going to Dave when youre needing sound advisement of these money issues. Best wishes to you

[@Demonizar]

Passing your knowledge onto others is absolutely difficult to the point that I can see the battle you guys have getting your advice out there to complete strangers must be even more difficult

[@jamesjazzy8040]

Don't talk to me about being debt free this week alone I paid $9500 on taxes/ insurance and $585 for healthcare.. And i'm supposed to be debt free? .It doesn't exist.. Becoming "debt free " made me realize just how much debt I still have and will always have... I was going to scream: "I'm debt free" but then I realized if I don't send this very large annual check, they will take my house... That's hardly being debt free... Come on everyone it's time for reality now....

[@MoKa444]

I live debt free except our mortgage, we live within our means and budget EVERY month. This is how we manage to save money and put extra towards our mortgage every month. If you aren't budgeting and focusing on getting out of debt I can see how you miss the mark every month. This podcast has kept us on track and has given us hope. I hope it does the same for you.

[@jamesjazzy8040]

​@MoKa444 You missed the point. Nobody is debt free, there's thousands and thousands of dollars of debt every single month, even if you" pay everything off". Even billionaires are not debt free. You can't prepay your property taxes years in advance because "they" haven't worked up the bill yet. Same thing with healthcare.That is a monthly debt, a bill.That you cannot pre-pay off ever. We can all sit around and pretend we're debt free, but it's just not reality. Again, They will take your house if you do not pay your taxes. Therefore you don't own your house. I don't either. You have a zero balance on the mortgage but you don't own your house because there's a piece of ground under it (called land) you don't own and they want money to plow the streets, etc.

[@MoKa444]

You will always have bills, being debt free doesn’t mean you don’t have bills to pay every month. Debt free means you aren’t borrowing money.

[@Krazybonejabs]

Who would've thought, a guy that couldn't make it through basic training wants to become law enforcement. I'm a disabled combat war veteran and see/hear this all the time. By the way, my local FPS (federal protective services) wouldn't hire anyone that has no military combat experience. Good luck in your endeavors, high speed.

[@nowandthennn]

The youth doesn’t want to learn from the wisdom and experience of the older generation and the older generation doesn’t want to learn from the youth because they don’t think they have the experience or wisdom they have because of their age . I wish we could learn from both generations .

[@janit9255]

Turn and run as fast as you can!? Horrible advice! No, not all people need outside council! Honestly, I don't know why Ramsey thinks he is an asset to his show...half the time I don't know what he is trying to say!

[@ChrisBorghi22]

I love you Ramsey! Have you ever lived in another country?? I have and I can assure you this wonderful 🇺🇸land is super far from being “the best country in the world”!!! For sure is the country with the most mentally unstable people. Why?? Because the most important thing ever for a human being is the family, something that, in general, Americans do not prioritize AT ALL!!! The foundation of every society is the family and in many other countries they’re family rich comparing to family poor Americans. I love 🇺🇸 and its people!!!

[@DevHazy]

Lololol John fighting back

[@romaintrevisiol9159]

We bought a Subaru Forester with hail damage for $5k in 2019 and sold in 2022 for $5k with 60k miles more on it and never did anything to it. Hail damaged cars are awesome when you're broke. Best value for the buck.

[@brookebales2931]

My husband says that to our boys too when needed, “you’re not going to talk to my wife like that” and yes I’m their birth mom lol. ❤ thankfully he hardly has to say that since we raise them to have manners/respect. ESP in this day and age.

[@catherineskis]

I am listening to J. Yellen and Powell. Apparently, unemployment is good for the economy because that means more people have fewer dollars and that brings down inflation.

[@myoldvhstapes]

It's the same cast again today. I don't recall ever seeing a pair of hosts do three days in a row. Until now!

[@flashthecorgi2053]

Nobody else is around because it’s a holiday weekend and it’s the summer. Ken is in Barbados with the hurricane, George is in FL, Jade is in FL, and Rachel is also on vacation. Dr. Delony and Dave are the only ones available!

[@partyrentalsmallbusiness7849]

I’ll take anyone but Ken… no ken.. I literally stop listening.

[@debragilley8091]

@@partyrentalsmallbusiness7849 I never listen to the show if Ken is a co-host. I find him repulsive since the day he spent 10 minutes picking his teeth on air.

[@bettedavis9261]

​@@flashthecorgi2053we're so fortunate to have you around in the comments section to let us know all the inside information.❤️❤️

[@flashthecorgi2053]

@@bettedavis9261 not inside information, all public. Just gotta follow them on social! :)

[@rcnitro2233]

Not john....ugh.

[@isidorolopez265]

Why don’t you like John? Why not?

[@mmp495]

I love the first caller Marie wanting to help her parents understand finances. Marie adopt me as your mom and we’ll talk finances till the cows come home. ❤🐮🐄

[@douglasbennett9044]

If someone can’t be a grown up enough to get pre marital counseling, don’t get married to them! Marriage is work, why would you not want to set yourself up to win?

[@JSerio1983]

If I never get any other advice from The Ramsey show after today I’ll take away “don’t pee on the car” as the best advice thus far.

[@beckygeer6480]

in

[@lauriemotley2566]

Thank you John…don’t pee in the car made sense to me and what I needed to hear as I wanted to pull from my TSP early to pay off remaining debt

[@B.CELESTE]

Surprised to learn Tou wrote FINANCIAL PEACE . It was like a Bible to me. However both the financial institutions and my Ex think debt is good.

[@quintinnunn1392]

The KZbinr and ticktock is dave

[@PhantomWorks22]

$210k in parent plus loans…? Where are their kids? They should be paying on that for them to help.

[@savanah1407]

Yay! Love DAVE!

[@nancyblockcolsky1387]

Don’t tell them how much money you have. They’ll come to you asking for some when they’re in trouble.

[@moniquejones7161]

I am the first on my immediate family to have an interest in financial wellness period. I share the information and keep it moving.

[@TCAPRecipes]

Keep the mercury and get something new. Things an antique at this point.

[@petevidales1519]

Rachel Cruz haha jk

[@jimmymcgill6778]

Not everyone needs pre marriage counseling. Dave always loves to use strawman agruments.

[@freenation.podcast]

Probably first time Dave saying “sex” on the air 😂😂😂😂 and I love the Biblical reference 🙌

[@miryamishot]

I hope one day I get to say "I'M debt FREE!" On stage homes and everything

[@camcraw18k5]

Greetings and good tidings

[@drpdrp6422]

Christmas in July….got it!

[@nyamburakinyanjui770]

😮 Pole sana. Just make them safe and continue to the next stage. At least they are still functional.

[@seanjean9677]

The parent plus loans…..I don’t understand. Let them get their own student loans.

[@jeremiahsmith450]

Man Jennifer from Tampa really screwed up her inheritance 🤦‍♂️

[@scottloutsch5379]

1:41:29 had me laughing.

[@douglasbennett9044]

Loved that debt free scream from that family! Congrats to them!

[@regina4538]

Smh Jennifer from Tampa

[@brianivey73]

I thought she was holding together well under a lot of family and money pressure

[@TargetedIndividual]

Dave the metaphor was perfect

[@Steve-q2c]

Another onesided conversation and bashing the "abusive" father/husband. Get the other side before you bad mouth someone.

[@zedalvea841]

You wouldn't happen to be the other side of that story by chance? I figure as a Ramsey fan that dad might listen to this episode

[@DevHazy]

Shocking. A boomer who doesn’t believe 19 year olds

[@rnarzu]

The responses are based on the caller and the assumption that it'd true. Not absolute. So give some grace here.

[@dawnhanley6937]

Working as a counselor and divorce mediator, there's always responsibility on both sides of a relationship in conflict. "Emotionally ab" is often a convenient accusation for people who don't agree with our opinions or give us what we want. Victim consciousness = emotional immaturity.

[@AdamS-t3w]

The only god Dave worships is the god of money

[@tomhocutt2013]

Put the baby up for adoption. You’re broke

[@amireallythatgrumpy6508]

10:23 You have that exactly backwards Dave.

[@LouisMorganxb3]

Without a doubt, this year will be worse than the last. I lost a lot of money last year as a result of bad investment choices that I would not have made if I hadn't been so worried about my portfolio. I kept investing, but I couldn't determine whether to start paying for a house. In the end, I sold my positions, and the house needed more work than I had planned. I'm not sure how long I can keep going like this

[@AlexClarkcompany]

We've all made mistakes at some point. You should consider financial planning

[@BaileyJames-zv2ddd]

True. My portfolio was diversified across several markets with the help of a financial planner, and were able to achieve over a million in net profit among high dividend yield equities, ETFs, and bonds. It is vital that you have a variety of exposure, including in firms that are currently generating cash flows.

[@LouisMorganxb3]

Do you mind sharing your financial planner?

[@BaileyJames-zv2ddd]

Leah Foster Alderman

[@BaileyJames-zv2ddd]

You are most likely to find more info when you look her up.

[@bobbasar6424]

Inking it in the morning with breakfast!

[@scottbowles8014]

" random ass stranger" at 2:10

[@MichaelDavisDJMic]

$10 Dolla... Hurry up and buy!

[@survivingthetimes]

Y'all are so gullible...

[@danieltik]

40:06 You guys only heard one side of the story from a 19yr old and determined dad is a deadbeat

[@myoldvhstapes]

Reese, open an ABLE account.

[@chelyscorner4038]

I LOVE IT !!!!!!

[@frankflores5164]

Your advertisement kills your show

[@theforeigner6988]

Well they ever wake up? This ship is sinking

[@cany-m6v]

❤

[@estebanperalta8880]

Love Dr. Delony’s insight. He approaches problems from different phychological angles which is great at finding the root cause

[@NopeVS]

On the first caller - I think the three of them missed the fact of his dad doing research about the things she’s had been telling him… this, my friends, is called progress. He’s listening, he’s just a bit immature and not humble. But he is listening

[@playaplaya9315]

What a great show! So much positivity and knowledge for anyone walking this earth.

[@CMBBmc-jd6ur]

Seriously?

[@vanegyadri]

"shut up John" 😂😂😂

[@TheWebMindset]

Uh oh, Natalia wears the pants… still awesome that they’re debt free!!!!!

[@pamsmith1665]

Oh Joseph, motor mouth....poor candice

[@jurgitabars]

Beg to differ Dave, Europe is incredible 😂 free education, free health care and less centric approach to world 🎉 America is not best country anymore - it is scary! 😢

[@amireallythatgrumpy6508]

America never was.

[@myoldvhstapes]

"Free" to you means in was paid by someone else- the taxpayers.

[@jurgitabars]

@@amireallythatgrumpy6508 good point :D

[@jurgitabars]

​@@myoldvhstapes americans also pay taxes... and when get bills for their health in thousands :D I never received a bill from hospital in my life time and will have social security if I get sick :) not to mention 2 years of paid maternity leave :D

[@myoldvhstapes]

@@jurgitabars Same. I have Social Security and taxpayer-funded Medicare, so I only pay cash for medical expenses when I choose to go outside of the system.

[@mflee3772]

Good ol john dephony

[@HisGloryAlone_Papa_Chap]

Didn’t even graduate from basic and says I was separated from the Military!!!😂😂 Dave: “Thank you for your service” 😂😂🫡🫡