The Ramsey Show (REPLAY)

The Ramsey Show (REPLAY) for September 4, 2023
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[@bethanydavis4942]

I’m a daily Ramsey listener- this keeps me motivated. My new dream is having a huge emergency fund, debt free and a paid for house. I don’t need to be famous, don’t need a Ferrari, don’t need fancy food or for people to understand me.

[@marysaltlife1427]

Good for you, Bethany! You already know what will make you happy. That's fabulous.

[@quaydoodae]

Same here I’m glad I learned young controlling my money is more power than fame and looking like money

[@leechburglights]

I'm debt free too! No debt other than a new-to-me home which is 15% of my take-home income monthly. Will pay that off in under 7 years. Retirement is now a reality!🎉

[@thegardencity92]

Just paid off my $31k school loans (my last debt). Now I'm building my 3-6 month emergency fund before my lease is up end of February; after which I'm moving into a different apartment. Then I can start that downpayment fund.

[@happylistener4628]

Hang in there Bethany. You’ve got this. I’m happy to share, I learned how short life is when I lost my Mom(Medical Technologist) to cancer at 62. I have never been materialistic and always a saver. Living frugally and being a minimalist, I retired at 60 free of debt in 2021 with my employer matched and unmatched retirement accounts, my nice size savings and my emergency fund which will see me through at least 2 years of my expenses. Not to mention collecting my well earned Social Security benefits I paid into for decades. Since my teens. The last 24 years busting my butt working in healthcare as a Respiratory Therapist and through the Covid/Delta pandemic 😷. Back in 2013 I paid cash for a brand new 50MPG Toyota Prius Hybrid. The best trouble free investment I ever made. Saving me a ton of money. Awesome car!. Today my Prius continues running like new. Since retiring, I rarely drive; so Lol!, my Prius will probably outlast me.😂😂😂😂😅😅😅Zero Debt=Freedom and Peace of mind. Now as a family of retirees, we’re gratefully blessed, thriving and enjoying our comfortable and well deserved retirement.😊🎉🎉🎉🎉 God bless you Bethany.

[@quaydoodae]

I’m 22 years old in about $5000 dollars worth of debt, I’ve been through criminal court cases, and could’ve died numerous amounts of times. I’m glad God opened my eyes young and forgives me for walking down the wrong path. I’m working and knocking down my debt. My cases were dismissed and I stopped hanging around the wrong crowd. I am more family oriented and accept that God is in control. Whatever you think you are facing God can make a way trust me many of my friends are dead or in jail I could’ve been another number but god had bigger plans for me. THANK YOU LORD!!

[@happylistener4628]

Praise God!.

[@OrlanCEO]

I love when Dave hangs up the call before they're done talking. 🤣

[@alisoniara4374]

Oh Mr. Ramsey. The best thing I ever did in my life is following the baby steps. Thank you, thank you, thank you ❤❤❤

[@huntercarrell3543]

Beans and rice, rice and beans. If you are in Baby step 2, you got this! It's just a season, not forever.

[@frederickruderman2997]

I enjoy Mr. Ramsey and learned so much from him ! I’m done, it seems like the Dr. John called a man who’s son died a coward. I’m stunned, where’s his apology to the father who turned the family financials over to his wife ?

[@mohamedhassan1722]

​@frederickruderman2997 I was surprised too as that Dr. John called a 60 years old father who raised 7 kids and lost one son a coward, just because the man gave a duty to his wife to do home budget. I agree with you that Dr. John needs to to apologize that man.

[@leechburglights]

There has to be more to the story. And action is cowardly. So the action is what he is probably referring to. So whatever the guy did in his life that was great, is not in question. You can be a great person, but still act cowardly. We are imperfect beings. I'd need to see the context of the episode to understand fully tho.

[@schukerD]

I incurred serious debt while I was younger but learnt to outgrow them through the years by learning how to save and in. vest strategically. With good adv. ice and guida nce I had 25% of my ea r n in gs in an IRA, the rest in peculiar index fun ds, futu res, S &P's etc that grew about 4mill in 8 years. I used part to purc hase a 7 unit condo of 3 bedroom each that bring in over 78k annually and I have the rest re inv ested again.

[@ramonfred]

there's a reason why investments aren't well taught in schools, the range you have in your port folio is commendable, compounding is beautiful and well thought out.

[@kristennn850]

This right here!! similar method I took too, currently monitoring my portfolio closely has been incredibly rewarding. In just the past two quarters, I've made an impressive $110k. It's fascinating to see how experienced traders can generate significant returns and minimal losses. This has definitely been a bold and exciting decision for me.

[@francescadelight]

@@kristennn850 Your experience sounds fascinating. Would you be able to recommend a reliable advisor whom you have consulted with?

[@kristennn850]

@@francescadelight Ferrochrome securities, a financial firm, is widely recognized for their proficiency and expertise in the financial market. With comprehensive knowledge of portfolio diversification, they are acknowledged as an authority in this field.

[@zak4135]

Goodafternoon hopefully everyone is working on being debt free happy labor day

[@laurentinquinn1668]

I am working although everyone asking to go chill

[@laurentinquinn1668]

I'm obsessed with watching Dave Ramsey

[@republicunited2183]

Me too.

[@Nigriff]

Daddy issues

[@tiajohnson2892]

I am currently on Baby Step 7! I always loved reading and learning new things. I will be retiring from my Full-Time job in six years. I have some dreams on hold and want to pursue those after retirement.

[@vjs4539]

The first 3 years of a baby's life needs to be spent with their mother. No matter what dave says. Don't put a child under 3 in daycare. You're better off living in your mom's basement than leaving some stranger to raise your kid in the most important years of their life. Never, under any circumstance, put a child under 3 into daycare!!

[@candecarro]

All this estate stuff is SO important! Sit down. Talk about it, get all your paperwork in order. It pays, no matter which spouse passes.

[@jim5532]

2:33 1st caller advice and discussion was great! "Never refinance JUST to move from 30yr to 15yr because of closing costs... " just pay additional principal. 👍🏻

[@airi8395]

I'm so sad that everydollar does not work in Europe. I'm an avid listener and I can't wait for you guys to go global!!!! Soon maybe?

[@deebarrett7315]

Congratulations Brittany and JACK! SO PROUD OF YOU TWO❤❤❤

[@deebarrett7315]

So proud of this family!!!❤❤❤ God bless you Amy and Jonathan and kids!

[@paulajeffrey6706]

I'm vegan ...rice and beans is just food .

[@cdavidlake2]

Right? I'm not vegan but do try to eat plant-based - and, yeah, beans and rice is just good food.

[@pepe_nasdaq_scalper]

I eat that most days anyways 😅

[@njvalueinvestor]

This first couple is so humble and light ................... lol

[@happychappylife4283]

To the young man and the 20 year old wife at home. It will be ok. When hubby gets home you get a job where you work 5 evening's a week no baby sitter needed. You are doing it between you. My husband and I did just this.

[@candecarro]

Congrats Amy & Jonathan! I used to be from Ithaca!

[@dee2936]

I do love my paid off BMW

[@ruthfisher2310]

Love this couple! Very impressed and happy for you!!!

[@candeffect]

Debt is expensive for expenses. Cash is king for expenses and investments. Growth investments are valuable for the future.

[@rchi3906]

Dave Ramsey 2024 , imagine what he could do?

[@mr_i3ig461]

Dave, I hear you talk bad about sofi bank often. I bank with sofi and love them. What is your issue with sofi?

[@Nigriff]

He's jealous

[@elizabethdazell4426]

Interest rates and housing prices go up and down. Wait until this changes. This is one of the things that is easier to see as a Boomer. Just wait it out like others have. To every thing there is a season.

[@mrrooterofamarillo]

Needed to hear this today.

[@Tonytiggle]

Happy Memorial Day, Birthday 🎂🎁 LA and to me

[@amireallythatgrumpy6508]

And happy belated birthday to Dave for Sunday

[@Nigriff]

It was Labor Day

[@johnm4393]

Autopilot 401k, which is why the Australian super works so well😅

[@BestPrep2009]

Awesome!

[@PotatoWarehouse]

Hey Dave! Could you do a video calling out fakes?

[@Gary.g19]

Would love an update on Ryan’s story Im also in his situation as well

[@Nigriff]

John's analogy between lung cancer and college is so weird.

[@ranjan1191]

Plz add subtitles

[@Elizabeth_lowkeyluxuries]

Women, unless you have a mental breakdown, you cannot check out and have your husbands take care of everything. You need to know your bills, your debt, your payments etc. You already know his income, you need to know the outgoing.

[@candecarro]

My husband and I always did all our finances together. Then he became ill and I took over the activities but we continued to discuss decisions. He passed in early 2020. Financially the transition was seamless.

[@Nigriff]

Dave is off base when he says "Your husband is full of crap" regarding the man who does not want to pay for his children's college. Dave thinks just because it worked out for his kids that it's the right thing to do for everyone. People who pay for their own education are much more likely to appreciate their education, do well in school, and succeed after school. It's clearly a sensitive subject for Dave. "The borrower is slave to the lender". Dave has even said before that he liked having control over his kids while they were in school by being the one who is paying for their education. I find his opinion on this contrary to Ramsey principles.

[@frederickruderman2997]

This PhD next to Dave can’t be an expert on medical health at all, in my opinion. What is it with his you’ll and you’ll and you’ll 😢 give us a break John. Please be real !! for a change. Thank you for listening

[@flashthecorgi2053]

He’s not an expert In medical health, he’s a mental health expert. His PHD is in counseling and higher Ed. He’s amazing and so intelligent. Love Delony so much!

[@Nigriff]

He thinks he's an expert in everything.

[@flashthecorgi2053]

@@Nigriff He does not. John is one of the most humble guys you will ever meet. Trust me having met him he is the most down to earth, kind and empathetic public figures probably ever! He is so amazing and I will never back down from that!

[@stephenayriss5049]

This is not a new recording. I herd these calls awhile ago

[@arthrodea]

Yes, they say in the description that it’s a replay - probably because today is Labor Day holiday in the US so they are taking the day off

[@candecarro]

Yes, the screen indicates in the upper right hand corner, “Previously Recorded”.

[@amireallythatgrumpy6508]

They never said it was. The other two replies are correct.

[@mharrycatterall5098]

Clue in the title.... REPLAY

[@malissakirby4193]

YOU PAID FOR YOUR KIDS COLLEGE?? WHAT? I thought?? you said let them go to a community college cheaper that way and let THEM pay for it. I told my kids you want college YOU pay for it and they did! I'm soo disappointed in you! Did they pay you back at least? You can't get a loan for retirement you said but you can for college or did I hear that wrong?

[@tmusa2002]

Get a new intro song! Can’t stand it any longer!

[@anthonydelgiudice3245]

What about his intro its longer than the show lol

[@tmusa2002]

@@anthonydelgiudice3245 Good point! It all needs freshened up!! For how long can they do the exact same thing?? Then when the personalities say it, it’s extra fake and painful.

[@Telhasteeze]

Poeple just be rambling on just get to the point