The Ramsey Show (REPLAY)

The Ramsey Show (REPLAY) for September 28, 2023
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[@aspinaki]

I just cancelled a mobile phone which I ordered a few days ago. This is a huge test of my greed. I passed it by self-control. Now I am more motivated to pay off all the mess I have created with me.

[@robinh7267]

The help they gave Miss Tiffany brought me to tears.

[@themodrnpatriot4354]

Wasn't it amazing?

[@ronanmcadam7251]

Dave, I hope you will read this comment. Listening to the show has helped me to get on a budget and start to get out of debt, after a difficult divorce. I have paid off 20 thousand in two years and plan to be debt free by the end of 2024 (except for the house). The emergency fund was a life saver. Now I am addicted to getting out of debt, can't do it fast enough. Hope you and yours are well. Thanks again Ronan

[@faithbasedliving9391]

Just want to say thank you Ramsey. I may have debt (husband and are working on it) but none of it is student loans. I make 30k part time and my husband makes 120k and neither one of us have degrees. I became and LVN and paid $4k cash at an adult school rather than 30k at a trade school. My husband is an electrician and became a journeyman through the Union. All because we knew it would be smart to stay out of debt.

[@dlasti]

Since I saw all these current episodes, I'm gonna binge watch the previous last years episodes. Aloha.

[@TheMASDrummer]

Been binge watching at least 50h of these so far

[@zhannamatviychuk]

Same lol I have been doing it for four weeks catching up on all the years😅

[@KillyWildlands]

Cant watch this show without Dave

[@jnewton3819]

Love Dave Ramsey! Wish everyone could talk, telling it like it is like he does instead of sugar-coating everything and acting like things will be easy! The best person to listen to on the internet!

[@PatagonianDuck]

Holy smokes at 41:00 he tells the guy to keep the bad policy "it's perfect for you" hahahahahaha what a savage. Never change Dave, but please line up a blunt replacement for yourself! God bless

[@ikechicoreralation]

😂

[@wakinglife7065]

Ikr! Best response

[@michikoiesaka3365]

Great explanation/ argument on whole life. Thankyou Dave

[@kenetic1228]

We're broke, let's have kids!

[@marysaltlife1427]

I missed the original of this replay. The single mom of two deeply in debt--Dave and Jade were fabulous on helping her and offering future help!

[@Trustbutverify2651]

Unless a husband dies, single motherhood is a choice. Women need to learn to choose wisely, especially if a man is going to be the one with whom she makes babies.

[@jonathanrobimson4543]

Yep it's a choice for single motherhood

[@Josh-by9fv]

Lol Jim from Nashville at the 35 minute mark. Just isn't picking up what Papa Dave is throwing down. I will stick to Papa Dave's advice over TIC TAC's advice anyday. God Bless y'all there at Ramsey Solutions, and thank you for all you do daily.

[@Lynn-lg2du]

You are correct that the public service loan forgiveness program was a mess. I went back to school and finished in 2011 with $90,000 in debt. My desire was to serve low income families. I worked for nonprofits and gov agencies for more than 10 years under the income based repayment plan and many years prior to accruing loan debt. This year I received notice that my student loans were forgiven. It was in faith I went back to school and I thank God for the loan forgiveness.

[@free.the.nation]

Thanks for explaining this.

[@lukaszmaziarzny]

New Queen song: “God knows I want to be ““debt””free” 😂😂😂

[@rjminton534]

I was told I was crazy for living in a recession proof mobile home but I am not ready to let a mortgage take my souls bruh. May never be ready. Lol

[@bettedavis9261]

Gotta love how Jade literally laughs at a caller's sticky situation. Classy

[@Alisha-nl9qh]

I was not automatically enrolled in the "Save" program, but I received 20,000 emails asking me to sign up, so I think those people probably did sign up. The sad part is I heard a naive girl talking about how the "save" program does away with interest on the loans🤦‍♀️ I had to tell her it doesn't and that if she didn't want to pay interest, then she should have taken advantage of the 0% interest during the pause. I was able to get mine down from 30k to 10k during the pause. I took full advantage of that 0% interest.

[@MrCrossface007]

What’s even worse is that these people are allowed to legally vote. Let that sink in for a minute. Yikes.

[@wakinglife7065]

Congratulations! Great job. Huge step. I cannot imagine having an 80k debt with a 10% interest rate. If you didn’t attack it with a sledgehammer it could easily turn into a $136k debt lasting 36 years payi my over 1.5k a month.

[@lilycat1694]

Really enjoy this show. Reminds me to rein in my spending…

[@Nigriff]

Tristen has 80k in student loans with no degree. Ouch.

[@desireerice3699]

Tiffany you go girl. you can do it

[@garymatos2177]

Man you gotta love Dave! He’s so freakin awesome!

[@bluebelle9572]

It seems like Jim is a visual learner

[@pim1234]

All the 'best selling authors' of the Dave Ramsey channel can't be find on any Best selling list in the USA

[@Joce123]

Really hmmm

[@margie909]

I ignorantly thought DR was referring to NYTimes best seller list. None of them showed up there whenever I checked. Maybe Amazon??

[@bettedavis9261]

​@@margie909apparently there are several best seller lists.🤷🏼‍♀️

[@dirtdevil70]

​@margie909 maybe its a " im in debt to my eyeballs " best seller list lol... Lists mean 4:43 nothing, theres probably a "top 10 list of top 10 lists"😂

[@sandraangeles4830]

You can do it Tiffany!!

[@GreaseLightin-hr7mq]

Love you guys

[@minervachacon]

I’m so tired of listening about student loans. When COVID started you had 2 choices with federal loans. Deferred your payment or continue to pay with 0 interest. I worked my butt off for 2 years and paid off 60k at 0%. Best decision made. The secret worked my butt off.

[@markjames1965]

Hey everyone! Since i started following The Ramsey show I've been a member of this amazing society of investors for a while now, and I can't articulate how much it has transformed my life. We're not just here to earn money; we're here to uphold one another, grow collectively, and rejoice in every stride toward our financial aspirations

[@markjames1965]

@catherinenathan your words echo my sentiments exactly. Yes i am talking about expert Mrs Bianca Faye Lindsey She didn't just teach me about the market; she taught me about myself as an investor. I've found my niche, and my portfolio reflects that. Together, we're not just trading; we're building futures. Here's to more informed decisions and shared successes

[@TheRamseyShow.Pinned.]

i am not a subscriber of this channel but this not the first time i am hearing about Mrs Bianca ,i heard her dedication to her client is remarkable and she does not only analyze market trends but also listen to the concerns of her clients ,the sad news is have no way to reach her or even get her attention heard she mostly booked

[@masoncheng1691]

I'm so grateful to have found this community and Mrs Bianca, just like you her guidance helped me navigate the complexities of market. I used to fear losses, but now I view them as opportunities to learn and grow. I've not only seen huge monetary gains but also a boost in my confidence as an investor. i am happy to keep learning and evolving

[@MaribethFunn]

her mentorship transformed my approach to investing. I used to chase quick wins, but now I focus on long-term strategies. The results speak for themselves - my portfolio is more stable, and I've achieved financial milestones I never thought possible,this show has been a blessing

[@ernetsomarshk.arlawebstar404]

@@MaribethFunn Your story is inspiring Meribeth, Expert Bianca impact goes beyond numbers; it's about personal growth. I've learned discipline, resilience, and the importance of continuous learning. Every trade is a lesson, and I've gained a wealth of knowledge along the way. Let's stay committed to evolving as investors and supporting one another. Here's to meaningful growth and lasting success!

[@mhammer5]

I am still waiting on THE RICE & BEANS recipes or a variation there of.

[@lissadalmau9676]

Selling your house should be a last resort. Not the first thing you go to because it's the quickest fix.

[@free.the.nation]

I’m sad that I missed this program 😢

[@MommaJs-tz2uz]

How about helping us with cancer instead of Forgiving Students Loans. Cancer can be so expensive. I totally agree with you on this one! Wrong, Wrong, Wrong!

[@Nigriff]

God Bless.

[@FinancialFutureTips]

Great video.

[@c.5701]

We have smal kids and we went to eat outside 2 times in 7 years! We just drink water, just caravan holiday. How much money would we have, when we do fancy holidays and go for eat 2-3 a week? Holy moly...

[@taywhite899]

Pass the ball Mr. Ramsey. Jade's open.

[@bluebelle9572]

🏀😅

[@matthewmarston5149]

9 to 5 Resume: NOIC: US NSWCDG Pilot Shooter: 7.000 Official Airstrikes to my record in WARCOM Highschool Aviation Company A 807th and all WARCOM Silver Stars 😊😊

[@richardle7469]

Only a small portion of your deposits at a bank are actually held as cash at the bank. The rest of your money (the majority of the bank's assets) is invested by the bank into vehicles such as consumer or business loans, government bonds and credit cards. Borrowers have to pay the bank back with interest.Mar 16, 2023

[@MsMonterrey2]

Well guys I’ve seen this podcast recently…. ☹️ so I’m gonna go. Ya have a wonderful day.

[@bettedavis9261]

Kelce brothers just dropped a new episode of their New Heights program yesterday if you haven't seen it yet. You could watch that instead.🤷🏼‍♀️

[@chrisdawson3859]

​​@@bettedavis9261Imagine announcing you have already seen an episode which is clearly marked "replay" 🤣 These people crack me up.

[@bettedavis9261]

@@chrisdawson3859 same 🤷🏼‍♀️🤣

[@wakinglife7065]

You don’t have to announce you’re leaving, right. No one knows who is watching a replay at what time. It’s a very strange comment. Hope you don’t write this every time you navigate from a video from KZbin. If so, you might have a some mental health problems that you should look into. Keep healthy

[@donnamoye6558]

Hey Dave, what happened to all of the short video clips?!? Really enjoyed the smaller snippets. Please put them back up!

[@milesmartin9325]

When does the live show happen?

[@ronconblack12]

Usually 3 PM central. They occasionally do reruns. Not very often though.

[@kallistoindrani5689]

22 and already bought a house, can never be good.

[@josevillalta1022]

1st time listening to Mr. Ramsey.. reminds me of Tom Leykis but for financing.. how can I call the show? I have a good question regarding union work or non union work

[@mattthomson3134]

Wifey and I are 29, we purchased our house together at 19 (we were committed to acting like we were married, but whats the point in wasting the $ when that $ could get us into a house..) were still not married, though I will propose next year. We have 300k mortgage left on the house (valued Yesterday at $552, and neighbours sold last week in 3 days for 2k above asking price. So we are sitting on about 250k equity there (and no tax on selling the family home). We just sold our property that we purchased at the start of COVID, we got it at a bargain because everyone thought the world was ending.. we picked up 75 acres for 70k, 2 hrs from the nearest city. We got 190k (no tax, because it was made the primary residence during COVID) for it last week, and we have no idea how to reinvest it (I know an opportunity when I see it). Its sitting in the bank earning 5% interest at present.. do I just leave it there, and wait for the next opportunity? Or do I put it into shares? I just do not know! Mo money, Mo problems 😂. I much prefer to make money on capital gains, rather than income.. our household income is like 58k.. I pay 0-15% on capital gains, up to any amount. And I pay 30% on income tax, and I have to work for it.. Not against hard work, but I am for working smarter, not physically harder. I grew up on a farm working my ass off from 12-18 for my dad, with barely any pay (I'm more than happy with that). Then I worked hard from 18-25, then I got put into management at 25 and no longer have to be "on the tools"..

[@lukaszmaziarzny]

Dave you have to navigate most of those callers I’m listening to Queen song: I want to break free. “ God knows, God knows I want to break free”

[@patriciamenon9271]

Nothing free

[@user-ld6uz8sj9h]

Here's a thought. If a person can show a student loan, loan statement - and it shows that , due to interest, they have already paid back the amount they owe, making the loan balance all interest...the excess interest can be forgiven..making the loan paid in full. Id be okay with that. There's a very high percentage of people who are already in this above status. I don't think the government should have a student loan program to supposedly help students when they're just essentially making money off it... Self serving government program😮

[@MayaRose-nz5gx]

My local credit union uses term life.and I have sofi bank and they offered me term life.not whole life insurance.Dave is right.

[@Jaiem_]

Is the financial peace University open to international viewers?

[@Joce123]

Sell one of the cars because if you stay at home you only need one car

[@aliciabernardino8292]

And so she has to wait for her husband to come home so she take her kids to doctors appointments, grocery shop, and run errands?

[@julieludwig8927]

Ordering water when you’re using a waitresses “real estate” is literally losing her otherwise potential income. She still serves them, cleans up after them, etc….yet gets ZERO income. She’s losing income. Just don’t go out.

[@Joce123]

Absolutely

[@Trustbutverify2651]

Some of us order water simply because we don't drink sodas and don't drink coffee and tea later in the day. BUT I always tip at least 25%, so I think that makes up for it.

[@bettedavis9261]

​@@Trustbutverify2651same here. I used to be a server in a restaurant, so I appreciate tipping well, even if I do drink water.

[@Anthony-dj4nd]

Why all of the videos deleted?😮

[@FancyRPGCanada]

12:19 it just bothers me that federal student loans have interest at all. If the government just forgave all of the interest so so so many people wouldn’t have student loan debt anymore

[@matthewmarston5149]

Beer splits 😊

[@dave2160666]

So sell the house pay off truck and then where you live?

[@wakinglife7065]

Truck?

[@desireerice3699]

OOH THAT WAS GOOD

[@jeremystone56]

I must have missed something on the Landon phone call where he said to sell the house because he can't afford it. He told him to sell it and stockpile money he would still have to pay for rent unless he was going to live in his car the rent would be around $1,100 which would be the same as his mortgage how would he stockpile money? What is the better advice have been rent out one of his rooms in his house and pick up some extra hours at work?

[@CoachSteveMoney]

Whatup kids

[@thealexandraway]

​@@AnonAnonUKthe live chat is open

[@zachschwartz1586]

my net worth thankfully

[@MsMonterrey2]

I think the chat is closed

[@user-hj7fr9zr6f]

I have 14-year-old student’s loan and don’t know whom to contact to pay it off..HELP PLEASE!!

[@tlr1604]

We should have house mortagage and car loans forgiveness-there is no diff., as Dave says you signed up to go to college saying you would pay the debt when you were done-it was a loan like any other-and at the end you pay. The org. plan I am sure was to help those that otherwise could not go to college-but it ended up being a big expensive bus., unfortunately. Painful, but no debt is the best freedom ever.

[@michaelcorcoran8768]

One difference is both of those kinds of debt are dischargeable in bankruptcy, and student loans are not. The other is that the United States is basically an outlier in the OECD ...forcing people to go into debt to go to college. Every other industrialized nation treats it differently. So it's kind of cartoonishly oversimplified suggest taking a student loan is the same as credit card debt.

[@aishatidwell3389]

Why no show today

[@thealexandraway]

They're in NYC

[@mdogggggggg]

Tristen what the hell did you go to school for, when you’re only working “customer service gigs”? What a waste of 80k!!!!!

[@RichardGreuel]

Let us define irony as watching the guy who talks about being debt free and the first company he is pushing (he did the ad) is a mortgage lender.

[@ronj2508]

Dave - yes that’s good Jade - that is good Dave - the sky is blue Jade- sky is blue! Dave - loans are bad Jade - loans bad!

[@wakinglife7065]

Proposed script Dave- the sky is blue Jade- wrong it’s red Is that what your after?

[@dennis.teevee]

$80k student loan debt and didn't get the degree? 😵

[@DaveDepilot-KFRG]

$80,000 in student loan and no degree...???? I had $65k in loans a BS and MBA.

[@actuallyterry]

Jim didnt call with an open mind. When you want a debate you should at least have your facts.

[@richardle7469]

Lol. Nothing in life is free... some one always pays

[@AngieAngie995]

Did the first caller say she had $80,000 student loan but no degree? How does that work? Do you have to pay for basic education? I do not live in the US but can anyone tell me why her student debt would be so high but it doesn't cover a degree?

[@amireallythatgrumpy6508]

Sounds like she dropped out

[@bettedavis9261]

Just because you start college doesn't mean you finish (get a degree). The debt is there either way if you took out student loans.

[@AngieAngie995]

@@bettedavis9261 Oh yep I get it. She must have dropped it. A lot of money to owe.

[@sheavelte2917]

Not that she only droped out. Those applyed student load, will received more then suposed to cover for the year. The load institution will send back people the balance, many young adults will spend the money else where. By doing that will add to her principle. In addition, so many individuals chance their majoy many times before they can received their degree. At the end, they finally lost their interest/direction and drop out of college with a huge amount of debt, and with out a degree.

[@BradBarrier]

[@deejay22able]

Should I invest 15% for both my main and side job of just the main job ?

[@AntTooToxic]

Tired of reuploads. At least reupload one with George 🙄😂

[@amireallythatgrumpy6508]

Wwaaaaaaaaaaaaaaaaaaaaaaaaaaaaahhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhhh!

[@dave2160666]

What is this thing he talks about going on when you stop paying student loans?

[@janetcross2797]

Babysitting he can maker more

[@antonysaundersAMG]

Dave Ramsey, when are you going to front up to being wrong about Crypto & Bitcoin? 😄

[@wakinglife7065]

How so?

[@Hellsing12002]

80k in student loans for?

[@Kingalfred2009]

👍👍👍👍👍👍👍👍👍👍👍👍

[@marybowers6090]

80 k in student loan debt, mostly hers?? , she has no degree and worked at a gym customer service? WTH is going on??

[@ivethcerda65]

No wonder this seemed familiar. Bye 👋

[@tootallsvlog103]

Go fund me

[@Intentionaltia]

😂😂😂😂😂

[@michaelcarter266]

The 30 dollar a month student loan payment plan is actually the best thing any president has ever done. We pay only 30 dollars while the government pays the rest of it.

[@matthewmarston5149]

Weird: Lies to me, CID MARINES Police Officer 😮 STOP HECKLING ME SIR REAL THING... NOT MI OR PRETEND 😂😂😂 REAL US PEOPLE 477: CID MARINES Real : CID MARINES Witness: 477: Uncle David CID MARINES 25 years ago active Duty OD : 1 Real O Pretender 😊 192/ x 192/193 477: Real CID MARINES Police Officer 😊

[@melissahyslop1324]

Dave, you used to do better at supporting stay-at-home moms.

[@matthewmarston5149]

Preachin' an' Bitchin' work hard in the US Navy 😊

[@timriordan9855]

Used to listen to Mr. Ramsey until he bashed a great company like SoFi for no other reason than he has financial interest in another company that has a competitive product.

[@dave2160666]

Who the hell can save 625 a week? Unless your overpaid

[@dave2160666]

So tell me why we have to file taxes when the IRS already knows our income?

[@ianberry5562]

You talk about administrations misleading people Dave, but them you didn’t ask why so few people got loan forgiveness from pslf. It’s not because of a slow faulty program, it’s because people applied without meeting all the criteria. It’s an admittedly Byzantine list but it’s never not been given to people who actually qualify. They also defer payments and interest while your application is being reviewed. It’s ok to have your opinions and even an agenda on your show, but it’s disingenuous to mislead that bad and make it seem like some crackpot welfare scheme

[@jonathanrobimson4543]

You'll people go to school and want workers to pay for your student loans that yall raked up. I been to the college parties and people apartments and dorms

[@backyardgrillmaster2910]

She went to she's got all she was able to get was a customer service job with student loan debt I want to know how much your student loan debt was and then all of a sudden she wants to be a stay-at-home mom it doesn't work the numbers aren't there she wasn't even making the money when she had a customer service job people wake up you can't be a stay-at-home mom and be 140,000 in debt you need to get a job before you have kids this is ridiculous

[@matthewmarston5149]

Uncle David: Swing it by CID, I got a Silver Medal for you, PreacherMan Bitchin'Man

[@Sar1386]

“You should keep the policy I think it’s perfect for you” that was a very snarky way to end the phone call. As a professional having part of your business being people ring you for advice, explanations ect.. the occasional agree to disagree phone call will come along here and there unfortunately regardless whether Dave Ramsey disagreed with the gentleman or not it was very clear from early on in the call that he was losing his patience and is not a fan of being challenged on a subject he believes he’s correct in. Regardless whether he was correct or not it’s the principle of the matter that as the professional it should have been handled a little differently and and the snarky comment at the end was uncalled for. When it comes to someone trying to prepare for their child’s future financially it’s a emotional subject if there’s even a chance u made a mistake it can completely devastate u. I think Mr Ramsey should have quickly pointed out the reason he disagreed then moved on to advising the gentleman on some other options that he feels would be more beneficial for his sons future so both can be running at the same time if he wants to keep the policy that way it wouldn’t have ended up being a far more positive ending to the call.

[@wakinglife7065]

He did. Listen back again. The caller obviously set in his ways and Dave is set in his with facts and figures to back it up. Dave didn’t call him and ask him for advice it was the other way around. If Dave called him and asked him why he should invest in that way - the caller could explain why he does it that way. But that wasn’t the scenario. The caller thinks he is right- so therefore good luck to him. Dave is a quarter of billionaire. And we have no idea how wealthy the caller is. So pretend it was Dave calling into the caller seeking advice and how the caller would have handled it if Dave was set in his way and how the caller would have responded as the advisor being set in his way. Dave has no dog in the fight for individual money management. If it works for the caller, that’s fine but not something that Dave has experienced. Nor is it a platform for advertisements for non-tried and tested products byDave that could hurt people

[@PPMAK777]

I just watched the show concerning student debts...⁉️😕 I can't believe that Ramsey sided with the government on this!?! Comparing it to "Looking at and Buying a High End Sports Car⁉️😕 I had to work 3 jobs, suffer with physical pneumonia so many times because I was unable to work & go to school at the same time! My father had to pass away, & my inheritance was what got me to partially finish school! BUT HOW CAN YOU COMPLETELY OVERLOOK THAT PEOPLE WHO COME TO THE USA FROM OTHER COUNTRIES & GET A FREE EDUCATUON⁉️ Biden is a Liar & Trump gave us Americans Biblical hope to the rip off artists of the Higher Education Sickening GREED Vacuum of BS!

[@piglo318]

Ayo teach me how to make a book lol folks making books like they pb&j Sandwiches 🤣 wtf

[@dave2160666]

The issue most ppl see is why go that frugal to pay debts when you can die tomorrow... explain this

[@Joce123]

Too many kids with all of that drbt! Birth control for heavens sakes!

[@noneofyourbusiness2092]

Ramsey loses me with his creepy politics- which is adding to the demise of democratic America. You're on your way to a dictatorship. Love, Canada

[@wakinglife7065]

How’s the dictatorship working out for you?

[@gudayetasissa178]

Why the hell does Dave Ramsey perpetuate a lie? On this show, he chastised a caller telling him if he put money in the stock market (mutual funds), his money would grow at 11% over decades. Really? Where has he been over the last 3 years when people lost money rather than gain at the ridiculous rate he is peddling? Sane analysts quote average rates like 6%-8% which are . Dave, don't be lazy by quoting a number you heard during exceptionally great stock market years. Temper you enthusiasm given the times we are in and don't lead your sheep over the escarpment to destruction. The stock market surely doesn't grow @ the rate of 11 %.

[@wakinglife7065]

Stop it! Why did the caller in if not for his advice? Dave didn’t call in for advice of this unknown guy we know nothing about. He had to shut him down. Whoever the caller is can make his own finance show - and if he is closer to a billion than Dave he can help others get there. But he could be a salesman for all we know which is not the format of the show

[@dave2160666]

Why do ppl say congratulations on expecting a baby? 🤯. That's KINDA what's supposed to happen when you fill her up ..js, stupid