The Ramsey Show (Replay of the 2022 Annual Giving Show)

The Ramsey Show (Replay) for December 26, 2022
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[@alfonsomontanez5776]

10 years of doing this program I finally paid off my house last week!!!! $196,000 paid off everything! Thank you Dave Ramsey for your guidance you share with us. Thank you God for helping my wife and I stick with it!

[@edj5532]

congratulations

[@chrisnanopoulos9905]

Well done! You did this.

[@ButcherBird-FW190D]

Question for you... I'm age 59, retired from the FDIC with a solid pension and healthcare. I work FT at a bank, make solid coin,and likely will continue to age 65. So. I have 8 years left on a 10-year mortgage at 1.875% fixed. Given this unbelievably low rate..... And let's say I have several $k leftover each month..... Should I throw the extra to the mortgage or plow it into the stock market ? As an aside, I have put every penny into the S&P 500 index since the early-80's and don't worry about the ups/downs of the market at all. Payoff la casa, or more $ to the stock market ?

[@edj5532]

Butcher.... You are in a good position, live below ones means. Being retired, personally, you should not take a lot of risk investing in the stock market. what is your goal in life? make money to become the riches person in the world? to be comfortable with what you have? taking more risk? Invest conservative and travel to see the world. Remember, you can not take any money with you when you die. I have many friends and family members, pass with lots of money without enjoying life. I hope this answers your questions. Do you wish to continue to make more and taking the risk, later to donate the money? good luck....

[@ButcherBird-FW190D]

@@edj5532 I appreciate the response, Boss. Possibly I was not clear in my post. I retired 3 years ago at age 56 from the FDIC, after 33 years. I was a GS-14, so my retirement is $6k per month. Also note I wrote that I work at a bank, and this is not as a teller. Let's just say roughly $1/4M per year. And.... Drum roll.... They have a d.b. pension as well, one of the very few left. Now I'll only have 9 years in when I retire at age 65, but that will be enough, along with SS, to equate to another $6k per year. Meaning I will have $12k per month on auto-pilot for life, without having to touch anything. Also, I should be able to payoff my house by age 65 without any issue at all. That's why I'm at 100% equity. It just doesn't matter to me. My goals; other than the basic, are to have as much of a 401k for my kids as possible. Hence the 100% equity.

[@ButcherBird-FW190D]

@@edj5532 I should add this.... My long-term GF keeps hounding me for expensive gifts. As in a new car, $10k jewelery, etc. I spend $ quite freely, but not to the point of being an idiot. If I had to push it, I could live off my pension and slap all pay toward the market, and/or my house. That's why I'm thinking of taking a Draconian approach; and then I can do like she does and whine/cry about how I don't have any money. 'course I'd be slapping a mongo amount into the market...

[@edj5532]

@@ButcherBird-FW190D …. If your GF wants expensive gifts. She may be insecure. She needs the expensive gifts to support her insecurities. Give her more attention and spend the money with her on life’s enjoyment. I’ve been married for 30 plus years and instead of buying her gifts which she does not need. I take her on vacations every other months. So I can enjoy the education of traveling to other countries . All the best! We can not take it with us! This is what I saw with the passing of my grandfather and father. They were millionaire and did not enjoy life.

[@bringtehownage69]

@@ButcherBird-FW190D Sounds like a good problem to have. I'd pay off the house and give the GF a reality check on spending all your money. You should be set up for a good full retirement either way. Good luck to you.

[@royamoshiri1238]

Has a spiritual layers money is not everything

[@isidorolopez265]

Sorry, but I don’t see Any phone? What do you mean?

[@runningupracksent5194]

35:00🔖

[@robertgreatsinger9179]

Nooo(h) Santa....

[@rethinkcps2116]

Maybe Rachel Nepotism could keep her hands & eyes off her phone...in her lap. 🙄

[@isidorolopez265]

WHAT. ?

[@frederickruderman2997]

Lol 😂 buddy. Soooo true. Raquel sure knows how life feels when you’re short of money

[@leonieharry2941]

You ask everyone to be generous, and especially so. You say you are not heartless and live according to God's word, the Bible. Then I ask myself why you would throw out a woman who works for YOU just because she got pregnant without being married. What is Christian about it and full of charity and forbearance? What is NOT heartless about that? And the fact that you totally put people down and yell at them in front of others is the lowest level. Your employees will get you where you want to go. You have the same responsibility for them, no even more when you are their boss! Dave, you are acting like a cult leader and not like a human being, and certainly not like a good company boss. And you probably can't make anyone believe that you didn't have sex before you got married. Who would believe you after everything you've said about yourself? As it says in the Bible: "Let the one who is blameless cast the next stone" and Jesus stood up for a woman who was stoned because of her behavior. Where do we live here? In a fundamentalist state or what? How do you deal with people!!? Horrible and Disappointing.