Jade Warshaw Claps Back at Her Haters

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[@NotEnoughSaid]

The more I listen to Jade and the Ramsey Solutions team, the more determined I am to be debt free!

[@diannemc3179]

Yay!! Keep going. I’m debt free and it’s wonderful!!

[@happygilmore1844]

God bless you in Jesus name, you will be prosperous and for you to succeed in your endeavors 😊 💪💪🙏🙏🙏

[@GrandMa-hm5mb]

Both my brother (62) and my daughter (34) have zero credit scores. Both have lived cash all the way. No problems for either! Both living very very well!

[@terrilove3300]

My dad same thing...you are right!

[@happygilmore1844]

Indeed, God bless

[@SinaAla]

Respect to them! 😊

[@zsefton]

How'd they buy a house?

[@GrandMa-hm5mb]

@@zsefton My brother paid cash for his house (about 30 years ago) and my daughter rents an apartment with her husband.

[@David-wo9un]

Jade honestly is one of the best DR personalities; she is so relatable and has recently struggled to get herself where she is today.

[@ericmyers3561]

nah

[@haroldrose8056]

Not to mention she has an awesome voice. 😊

[@Joni-lk9kr]

​@@ericmyers3561Yah

[@briann8983]

I totally agree with Jade about creditors moving the goal post. I had a 850 credit score until I paid my mortgage off six years ago. I stay between 829 and 832. Recently attempted to get pre-approved for a mortgage and when the bank sent me the report. It mentioned the lack of installment loans since my vehicle was also paid off. I pay my credit card bill in full as soon as it appears and they said I had very little revolving debt. My car was paid off three years ago. So not having installment loans all the time is problematic. It seems that no matter how you try to follow the “credit game,” they really want you in debt. That’s how they make money having you chase credit rather than focused on having enough saved to bypass financing.

[@annadavis6361]

Now that’s just sad and so wrong! Well done by the way! 👏🏽

[@briann8983]

Thanks

[@happygilmore1844]

Absolutely what they are doing ..thats why Daves approach is key and amazing to understand, FREEDOM

[@Undefined14]

I got my ($330k) mortgage without a mortgage AT ALL on my credit report, 4 years after my $20k car was paid off. I call BS on you not being able to get a mortgage.

[@briann8983]

@@Undefined14 I call BS on your ability to read and comprehend. I did not say I was unable to get a mortgage. My message was to those who keep chasing credit scores the goal posts changes.

[@mariorta5017]

As an immigrant. I approve Jades video. I was renting, driving, had insurance without credit. I got approved for a house without credit, THE ONLY THING I was no able to do was apply for credit, all my purchases had to be cash. Once I got all my documents and my SS# set up, first advice I got was built your credit, apply for credit cards to buildit, to the point where I got myself into $200k debt on equipment for my business for a total debt of $320 adding the house payment. Well, during the pandemic I decided to clean all that mess and I am just 47k more to go and planning to get that done by April 2024. So, my score can go to hell, because I am not going into debt ever again.

[@commonsenseisntcommon1776]

Legal or Illegal?

[@tracyaf6084]

@@commonsenseisntcommon1776if he got a social security number and his documents then he’s obviously legal.

[@iamme50]

That's very motivating! Thank you for sharing!

[@Atlas-tp8dw]

​@@commonsenseisntcommon1776ignorant. He just said he got his documents and his social security #. Why did you choose to ignore this piece of information.

[@susiem.2068]

Congratulations, I hope you will be debt free!

[@sinovuyobusakwe1001]

Jade, ma'am. Your hair looks absolutely beautiful...!

[@froggiman1]

Her hair dos are always fine looking. It helps that she is gorgeous.

[@mysticquetzal87]

another perk of having a 0 credit score is that it protects you against identity theft big time!

[@jackstar254]

A good credit score is like a gun, you should have it and believe you won't need it, rather than need it, and you don't have have it.

[@amireallythatgrumpy6508]

Unlike guns, credit scores don't exist in civilised societies@@jackstar254

[@mysticquetzal87]

@@jackstar254 but I honestly cannot think of a situation where I would need it 🤔

[@aolvaar8792]

@@mysticquetzal87 You're at an airport overseas, they're beheading foreigners in the parking lot. A plane is leaving in 5 minutes, They are auctioning seats on it at $25K each. I use a CC and pay it off back in the USA.

[@jackstar254]

@@mysticquetzal87 -_-

[@susanjohnson9255]

I'm very, very proud of you girl for what you did over such a long period of time to stay strong and pais off your large debt. Stay strong and proud girl. Good job!!!!

[@ronolson2024]

Jade is quite an asset to the Ramsey team.

[@diannemc3179]

Yeah she’s cool!!

[@jaypeter7446]

She's smart, articulate, and to top it all--a musician!

[@QueenRissa_34]

She really is and I just love her…🥰🥰🥰

[@AxleLotl]

She said it perfectly. People would rather be right, then actually open their ears and potentially learn something that will change their and their families life...

[@tmh0921]

We are debt free and have paid cash for our last two (almost new) cars. It was such a different and freeing experience. Negotiating the purchase price was about the bottom line, not the monthly payment where the finance people jack around with down payment, interest rate, etc. I walked in, told them I was paying cash, and boom… no need for qualifying and approval, no hours of going back and forth with finance negotiating…. It was awesome. * Edited to add* we are planning to move in the next few years and have a plan/path to pay cash for the new home not dependent on the sale of our current home.

[@rebeccaneilson4780]

Jade is incredible. Ramsey Solutions won when they hired her. 🙌🏻

[@MariahRamsey-ts3uz]

I love her

[@SummaGirl1347]

I don't think most people realize how recently credit cards became commonplace. The practice of accepting credit cards for payment everywhere you go was not common until about 2005.

[@mrsh2167]

many restaurants did not accept them in the 90's

[@tonywilson2530]

First off I absolutely love the Ramsey show. And I do have a credit score of 845 and I am absolutely 100% debt free I just paid my last mortgage payment last week.

[@sallyprzybil2404]

And all that hate stuff just goes to show you how terribly brainwashed the credit card companies have us. They’ve got us like credit card zombies!

[@martinmi5]

No such thing as a zero credit score. Just look it up on google. Lowest you can get is 300

[@deb9806]

I don't think they are brainwashed. You just need to understand them. They are a card, not evil. They don't put thousands on them and pay minimum. Do we get rid of liquor (I don't drink so wouldn't care) for the ones who can't handle it, gambling, fast food? Many rich get points and never have a balance. My son got a free trip from his BIL and my sister got free Xmas gifts for everyone one year. No interest, no yearly charge. If you can't do that, it's a trap to keep adding to it. I did 20 years ago when I needed car repairs and a water heater broke. I got a 0% card for a year and worked it down. Why pay on a 18% card? Dave makes no sense at times. If you aren't going to use the card again, it's a good tool. They closed transfer card after a year or two of not using.

[@NeoSoulCrew]

It's called truth and it hurts.

[@BK12344]

EXACTLY!!!!!!!!!!!!!! I just made a comment to someone about that same thing. ppl are so lost to really believe on an imaginary number to determine if u can buy a home etc etc. it's sad. iv had arguments with ppl and realized that they are not going to see it so I just leave it alone.

[@NeoSoulCrew]

​@@BK12344youre not a loan officer you have no idea how bad a manual underwrite is. But keep smoking

[@kevgret]

I have an 845 credit score. i am not a slave to anything. I am also 100 percent debt free

[@amireallythatgrumpy6508]

I'm sorry to hear you have a credit score

[@kevgret]

@@amireallythatgrumpy6508 ive been crying about it all year 😭

[@SpoonHurler]

My condolences

[@5trace]

Exactly what I posted they deny the the fact that you can have a good credit score and not be in debt.

[@workinprogress-ye5or]

I'm 840, was 850, paid off my mortgage 2 years ago and pay my credit cards monthly or weekly. I'm good and know if I do need a car loan etc (cars paid off) I would get a good rate

[@Robt.Velasquez]

Haters? Jade, you are a breath of fresh air. You, above all other guest hosts are closer in philosophy to Dave than the others. I’ve never seen Dave let others run with the ball on financial matters like he does with you. Ken is great on job training and opening potential jobs, Deloney contributes psychological aspects of relationships and emotional issues. ❤❤❤

[@LoveTropperMC8]

Thanks!🤗💫🥰💥😁

[@russlea6383]

When you pay cash, you have a zero percent interest rate and a 100 percent equity stake.

[@ACLinks.]

So here is what I did. I moved to Bangkok Thailand and credit scores don’t exist here. I purchased a condo that would cost 1 million dollars in the US for $20,000 and I didn’t need credit or large down payment. I have a phone, electric, cable, water etc. and never credit was needed. Unplug from the slavery machine.

[@alinatamashevich3354]

Murray Head, glad you are here

[@wellnesscanceradvocate8564]

Wow!!!!

[@momof2momof2]

yeah.... but you live in Thailand smh

[@carolynmaryscott]

I think what you wonderful people are doing is REVOLUTIONARY. As a young teacher back in the day -- I felt the most important things children can learn is how to free themselves from the landlord, learn to build their own homes and grow your own food.

[@aolvaar8792]

A person needs about 5 to 6 acres of land to live comfortably, producing their own food. ~35 acres for a family of 6.

[@mrcrowleyoz]

As long as property taxes exist, you’ll never own your land.

[@matthewpiatt]

Nothing but love for Jade and John 💛

[@eaton24]

Using a credit card and paying it off monthly doesn't mean you're "strapped with debt for eternity"

[@CraigArndt]

Jade is pretty damn cool, like her. Great show.

[@momof2momof2]

I treat my credit score like a child, nurturing it. I have a very high score, always have. I am debt free, I use my credit cards to my advantage. I can go anywhere and get a nice hotel room, rental car etc. I have one card. You only need one. I love the points I get and use them for Christmas gifts every year. I have all of my financial ducks in a row. And if I ever needed to use my credit rating for something, mine is so high it makes everything easy. I love having , and keeping my high score and always will.

[@felipeoliveira2219]

Hey Jade, Don't Worry....The better you're doing the more haters you get...

[@siva47931]

Hitlers supporters told him the same thing

[@listerinr]

Way to bury your head in the sand.

[@truthsayer9534]

@@siva47931Hitler? That’s childish.

[@MidlifeMoneyMoves]

They are acting as if the only choices are to have zero credit score or be strapped with debt for eternity. There just might be some middle ground here.

[@smn5672]

Yet the norm is to be struggling, crippled with debt. Most people are unable to do the middle ground hence it is safer they stay away from debt entirely

[@MidlifeMoneyMoves]

@@smn5672 maybe but that doesn’t mean the middle ground doesn’t exist.

[@deb9806]

Of course there is but it doesn't go with the Ramsey brand. When someone did his ideas but kept a card, they wouldn't let him on show to do "scream". He could have lied but he was honest. Didn't use it often and paid it then but didn't cut them all up. That's how crazy Dave is. You paid off 15,000 with my plan but didn't cut up your card, shame on you! lol Ahh, at least Rachel said in her group financial peace meetings, she knew some did "dave lite" and if it helped, it helped.

[@workinprogress-ye5or]

@@deb9806 I've seen a lot of "dave lite" on youtube. It doesn't matter what Dave thinks, if it works for you, it works and you save money from using his tools.

[@john-o1g9p]

latest yahoo finance report says 44% of us pay off our cc balance each month. that's a whole lotta ''middle ground''.

[@MSTRnBTCto-the-moon]

It took me awhile to warm up to Jade. Now I love her. Stand your ground against the haters that are trying to justify their bad decisions.

[@cecemoon1208]

She’s tough to like

[@warwagon]

I liked her instantly compared to the other one.

[@God.Almighty]

disagreement is not hate. but click bait titles get more views and make more money.

[@Chet_24]

Do whatever you want. Don't worry what someone else decides to put themselves through.

[@sharnetteferguson923]

I followed and continue to follow the Ramsey Show! Purchased home with ZERO credit score - 2.75% interest rate 🎉💃🏽🎉 Thanks Ramsey Team!!!!

[@fredvaladez3542]

I guess I am sort of confused. I have a credit card and use it to buy grocreries, prescriptions, restaurant meals, etc. Then when the bill comes in at the end of the month, I pay it in full. With a credit card I can see in advance what my charges are going to be and catch any errors; whereas with a debit card, the money is already gone and if there is a problem, it causes a lot more hassles..

[@RobTzu]

100% agree with you.

[@RL-ww5ev]

How has had more problems? Ppl with credit cards and not paying them or ppl with errors on the banks side

[@RobTzu]

I have had credit card fraud before. You better believe I sleep better at night knowing it was on a credit card and not my checking account. It is basic risk management.@@RL-ww5ev

[@Ray03595]

I’m guessing it’s aimed at ppl who abuse their credit cards and can’t pay them back. I use credit cards the same way you do. I’ve never been late on a payment because I live well within my means and always have enough money to pay my credit card bills.

[@todd2324]

​@RobTzu Yea, there's more "security" with credit cards because it's not tied directly to your bank account.

[@beaniemac]

I'm keep my 820 score with all paid off credit cards and zero balance

[@amireallythatgrumpy6508]

I'm sorry to hear you have a credit score

[@Gsta1544]

Worry about yourself playa

[@1stLtDavis]

Same. Dave actually convinced me to keep mine when he acknowledged that he still runs peoples credit score before dealing with them. That’s how important it is. Even that guy does it.

[@AP-uk4di]

Gang gang. $7000 free dollars roughly and $0 in interest so far over the course of my life, thx credit cards

[@warwagon]

Mine is a 771. I have have a $36 Verizon prepay bill auto pay every month. I rarely used that card. I just use my debit.

[@JoseLopez-kc4ow]

Why do they deny the fact that you can have a good credit score and not pay interest.. I have a 800 and never paid a penny of interest on credit cards

[@God.Almighty]

they must follow the cult edicts or lose their jobs.

[@Z47965]

Exactly. Me too. And you never know when a high credit score will come in handy for things OTHER THAN borrowing money. For example, renting an apartment in an extremely tight rental market where you're actually competing heavily against other prospective renters. Others have mentioned other examples.

[@nathangallagher5112]

They don't deny that as they have said in many other vids. But even if you pay off your credit card, it is still bad to have one in the sense that you are likely to overspend with one. A common thing I hear is the airline miles. But guess what, you likely aren't saving any money since the cc and it's points is what convinced you to go with a certain expensive airline or vacation in the first place. Bottom line is if you are making any more than a few hundred bucks in cash back every year on a CC, you are probably overspending. Remember, it's like $30 for every $1000 you spend.

[@alexm260]

"Likely to overspend with a credit card". And yet.... most millionaires have credit cards. @@nathangallagher5112

[@amireallythatgrumpy6508]

The USA is the true cult.@@God.Almighty

[@jennsscentclique5268]

Jade I love you!!!! You tell it how it is. I love having a 0 credit score. It’s so freeing knowing I don’t owe anyone anything. Looking forward to those hoops next year when we buy a house.

[@llcross04]

I would love it if you come back to this post and talk more about your process of buying a house with a zero credit score.

[@NeoSoulCrew]

You love paying higher interest ! You go girl! You're in for a rude awakening.

[@Fishouta]

​​@@NeoSoulCrewExactly! The interest rate may be the same for manual underwriting, but the fees will be higher. More work=higher fees. The higher fees will be factored into the APR, which is why a law was passed that all lenders must express the cost of the loan in terms of the APR so consumers can compare them. Don't just compare rates. Also compare APRs.

[@BlueDauntless]

@@NeoSoulCrewShe’ll pay the house off early so the interest won’t matter.

[@Some_kind_of_wonderfü]

I love this girls realness! She’s so to the point with each caller.

[@jerrycamonjr.9594]

Just because you have credit cards or credit scores doesnt mean you are going to be slave to debt.

[@michelarosier1918]

The ones who understands that they are borrowing someone else money, building their credit card score safety not miss using cc going into deep debts. But, to balance cc and pay it off as well saving, having our own money in the account. 😊

[@John3.36]

This is why it took so long to get rid of slavery in the past. People did not have slaves, but they benefitted from the system.

[@mattalkire6716]

Then why do so many people call in to the show with credit card debt?

[@asiaanderson5556]

@@mattalkire6716 why do ppl have children they can't afford? Bc they're reckless and irresponsible. Cc's aren't the enemy. They have cc debt bc they're irresponsible with poor money management skills. It's not hard to live below your means, charge what you COULD afford and pay back in full. It's a choice......

[@OopThereItIs77777]

@@asiaanderson5556but you ARE a slave by definition. Bloop

[@micahthornton3259]

I got preapproved for a mortgage with a zero credit score. The entire process only took about 2 weeks. I'm living proof it is possible. You just have to use a lender that does manual underwriting.

[@byronbullough5739]

Agreed. Although they never mention that after you go through the manual underwriting process/buy the home and start making payments, you will have a credit score again

[@jaydubya9265]

😮

[@richthepup]

I didn’t know that!

[@johnny_blades]

Once again.....these people have no clue when it comes to REAL financial situations, like drawing 8% in retirement....idiots! They need to STOP IT and just help get folks out of debt.

[@todd2324]

​@thebeegood1731 True, but in some cases, you may "need" to have a high credit score to avoid paying a higher interest rate on a home vs. someone who has 0 credit.

[@workinprogress-ye5or]

Like Duh, they like smoke and mirrors

[@TheGreenSheets]

Shes telling the truth I had bad credit and I just didnt use credit . Now I refuse credit . Save and build wealth

[@rothbj1]

You and another party both wish to rent the same house. Your score is undeterminable, and the other party has a 810 score. Who's getting offered the lease, and who has to keep looking?

[@deb9806]

Happens to Ramsey people too. John once (was dave listening??) said they had to go to 3 rental companies to find one that would do cash/debit. Hotels don't want it, especially nicer ones. They want to know they can get the money if you default. What's in your debit? My daughter is looking for apartments, most want 680 or above credit score. Now if you have enough money to give them 6 months ahead, kind of dumb idea, it might work but why jump hoops.

[@alinatamashevich3354]

@@deb9806 Not true. I use my debit card at Delta (Diamond) and Hilton (Diamond there as well). No hoops, just I chose not to be a broke joke.

[@susiem.2068]

​@@deb9806 It's crazy Americans have to jump through these loops, especially in their own lands. I came to America for tourism and I never had to provide a credit score to rent or go to fancy hotels. Such establishments do not require that from non-Americans, they find other ways. This credit score system is ridiculous.

[@deb9806]

@@susiem.2068 yes my daughter is dating someone from the UK and it is different there but so is insurance and a lot of other things

[@DaveM-FFB]

I haven't carried a credit card balance in decades but I still use a credit card for the convenience as well as the perks. Hotel reservations, car rentals, etc. I don't want a vendor putting a several hundred dollar hold on my checking account for days. Also disputing an unauthorized charge is much easier on a credit card vs a debit card. Finally, there is no way I will ever use my debit card to make a purchase online

[@kennethroyer9949]

I'm the same way as you for all that you stated plus I further agree I only use my American Express for online purchases (never use my debit card).

[@Ceileen27]

Jade, this is higher level thinking. Respectfully, I don’t think most people are ready for this or can even imagine a life like this, hence the hate.

[@NatalieG427]

It's not hate coming from those people, they are REALISTS. What Jade Is preaching Is advise from a Millionaire's Perspective. It Isn't most people's reality. If you listen to the advise from Suze Orman, It Is completely opposite to that of Ramsey.

[@kensmith2796]

@@NatalieG427 I love Suze Orman. She also has empathy which I think Dave Ramsey might be a little short on.

[@asiaanderson5556]

Jade parrots what Dave says😒however, are ppl suppose to sleep outside bc you damn sure need a credit score to lease an apartment. That's the ONLY reason I keep a healthy credit score, I don't need to borrow a dime nor am I in debt.

[@amireallythatgrumpy6508]

And when two people have opposite beliefs they are usually both wrong.@@NatalieG427

[@arletteclark6704]

I used to be a mortgage loan underwriter…started WAY back in the day of manual underwriting in which credit scores was not important and NOT the only deciding factor of getting approved for a mortgage loan.

[@daelkolwitz3509]

Credit scores are lies, and most "smart people are too dumb to understand it." When i went through my divorce 13 years ago, my Father In Law tried strong arming me to deed over my house to his cheating daughter. I told him that if he ever tries that again, "i will stop paying my mortgage and wait until the bank evicts me. In that time, i will stockpile cash. I will ruin my credit and your daughter's credit for years in a heartbeat. Do you know how much renters care about credit scores when you pay cash for everything? As much as I care for your threats." First time i left him speechless.

[@jasonrodgers9063]

Well done!!

[@PamelaDavis-j7t]

If you have a zero credit score you need let a potential landlord know or otherwise you could be denied a rental home.

[@smarz312]

So many viewers of Dave and his team post comments against them and disagree. If you don’t want to learn the method they teach then why bother watching, let alone post comments? I feel sorry for the haters, they waste so much time hating. Watch or listen to something that brings you happiness and personal growth. No one is forcing you to spend time on this channel. If you disagree with their methods and have found better ways and want to share with the public then start your own channel and stop wasting your precious time with things you deem no good.

[@edwardrandolph9318]

Amen. It amazes me how many people watch/listen to any personal advice program and want to argue or disagree. If you don't agree as the above comment said, why wasted your time.

[@NeoSoulCrew]

Because she's lying about how credit works.

[@RhinoXpress]

because people like to bish.

[@jwlsngold5026]

Well said!! 👏

[@jwlsngold5026]

​​@@NeoSoulCrewYour comment is nonsensical!

[@lilianromero2102]

Personally speaking, it is THE BEST FEELING for us to use just our money for things. It’s ours-we don’t owe anyone or anything!!!

[@zachblackburn5149]

23 and never had a credit score. Never plan to, and doing just fine!

[@RaeMarieMarsh]

We bought our first home right after getting out of debt with a zero credit score. We rent cars and hotels without a credit card. We’re better than fine. To say it isn’t possible makes you sound really blind.

[@Chrissers2010]

I think Jade is one of the very best of the "new" hosts on The Ramsey Show.

[@craigfin3222]

I don't hate any of the Ramsay people. The only contrary thing I will say is that the lesson being taught here can be boil down to "save your money, stop buying stuff you cannot afford, stop buying stuff you do not need and stop being stupid with your money". To me this stuff seems common sense, but common sense is severely lacking in today's world.

[@YacubH2961]

You go girl, preach sis 💯

[@SteelDefense]

Love Jade!!!❤ continue being great. I’m sure the haters are broke and undisciplined that’s all 😂

[@bass3do]

That's not true, I haven't used a card for 4 years I cut it up but forgot to close the account. My score has gone up or stayed the same. 760 credit score no debit. Haven't used debt for 4 years.

[@jwlsngold5026]

What's not true? You just said you left the card "open" therefore your credit score will never become zero, the correct term is indiscriminate, in other words it may take a loan officer a bit longer to "determine" whether or not to offer you that home loan. But, and I've seen others say this and it is complete malarkey that your interest Rate will be higher if you do manual underwriting...no it will not!!

[@bass3do]

@@jwlsngold5026 she said if you don't close an account your score will be bad and eventually go down. Also it does cost more to do manual underwriting, just had a friend do it with a zero credit score they said churchhills interest rate was about a point higher.

[@Successfinder123]

John and jade are the dream team

[@tammyriefler]

I completely understand what you are saying, and i don't agree, but did you know your insurance premiums are based on your credit score?????

[@ChrisMFlorida]

@@thebeegood1731 and you think the insurance game wouldn't ding you for having no credit score? Come on.. That's easy money.

[@amireallythatgrumpy6508]

Money that you would otherwise spend maintaining a credit score.@@ChrisMFlorida

[@janelogan4242]

Favorite Dave Ramsay personalities right here. Great convo, thanks so much to both of you.

[@ruthhnry]

4:45 Actually, you can have no debt and have a great score. Its called credit inflation. That happened to me when I bought my house 10 years ago. I had a credit card that i never used since college. But the credit bureaus reported that i paid off my credit cards EVERY MONTH because the balance remain at zero. My credit score was 779. The mortgage lender had to do a manual underwriting because they saw that my credit score reported NO DEBT. No debt no credit. Nothing. I had to write letters and give letters for every regular bill i had.

[@judilangham2195]

People are just so uneducated when it comes to finances and not doing their own research. This show is fantastic and gives you the information you need to get ahead.

[@tanishabarnes4338]

I absolutely love Jade!

[@blackpoeticfire9068]

Absolutely love Jade! Very insightful and intelligent

[@emoney1231]

"It's not hard to get a mortgage. Just use the one company that does it and that we profit from a partnership with."

[@MrJimmy3459]

What's wrong with that if it works and is not a scam?

[@emoney1231]

@@MrJimmy3459 It's just a conflict of interest and doesn't give consumers options. It's not necessarily a bad choice, but I prefer unbiased sources.

[@MrJimmy3459]

​@emoney9931 you are free to google manual under writing aren't you?

[@aarond23]

@@MrJimmy3459 When you get a Churchill Mortgage...you get a *drum roll*.....credit score!

[@emoney1231]

@@MrJimmy3459 I'd rather work with whoever my realtor recommends.

[@KalynLubinsky]

Jade, you are truly one of the best DR personalities. You are real and I appreciate that. You've been there and people can relate. There will always be haters because they are comfortable or think they are in their messes.

[@Lcshell]

This has got to be my favorite Jade video!!! 💜

[@sheenabees]

Get you weight up, not your hate up!! Keep pushing Jade!!! xoxo

[@llcross04]

I don’t believe anything that they say about the zero credit score. I also don’t believe what they say when it comes to manual underwriting. These people do not buy houses with regular or low incomes

[@texasindy2193]

I think Jade is trying to say her Credit Score was Zero when she had that $460,000 in debt,

[@scotttackett4315]

LOVE Jade and John!!!

[@kappakool1911]

I love these folks! ❤

[@sjs222]

Jade is a star 🌟

[@R.H.1965]

Jade!!!!! You are ON POINT, girl!!! I am NOT one of your haters. I am one of your biggest Ramsey followers!! Believe what she's saying people. You do not need a credit score. A credit score only indicates that you BORROW money, so don't play kissy-face with the banks. We live in a debt country and we think that's the only way to have anything, which is so far from the truth. I'M DEBT FREEEEEEEE! I'm 58 yrs old and retired. My net worth is 1 million. And I do not have a credit score. I do not want a credit score. 😊 My 2 adult sons both bought a house without a credit score. They knew to use manual underwriting. They don't have any other debt except for a mortgage. They did a 15 year fixed rate, 20% down, payments are no more than 1/4 of their take-home pay. They did it right. Thank you God and thank you Ramsey. 🎉🎉🎉

[@ms2bloved126]

Correct! I stopped using credit cards 10 years ago. I bought a car in 2019 and attempted to get a loan. They couldn't find anything. My credit score was 0. I did get the car loan ( I know, I know) but paid it off in 6 months. I don't need credit.

[@TaylorHaubrich]

I'm an over the road trucker and everytime I pass the BIG Ramsey Solutions building near Nashville (Franklin i think) I am amazed at what hard work can achieve. Congratulations Dave.

[@llcross04]

I love your comment but also remember that Dave is the grandson of a multimillionaire. He is not self made from the beginning

[@georgeromo3506]

Thank you for this video. I paid off my credit card About a year ago but I just couldn't commit to getting that plastic surgery. Now I know why it's so important to cancel the card.

[@armandoweckmann5699]

My score is 810. 400k house paid in full... i own 3 cars paid off. I have $100k in savings. My score is just there lol

[@nathangallagher5112]

"I own 3 cars"....and this would be why you have an 810 credit score. Those lenders love you.

[@armandoweckmann5699]

@nathangallagher5112 I don't think these lenders love me at all. I negotiate a low price and pay with cash when I meet the loan officer in person. The look they give me is priceless. They assume I'm getting a loan and expect to make money through interest payments. I just write a check or wire transfer my payment 🙃

[@jenniferarcher-bock9302]

They’re both so charismatic. The current Ramsey personality team is so good.

[@deb9806]

One story that still makes me smile, is my sister, got a Discover card years ago and used it to purchase many things and paid them off as she did but never knew or thought about "points". One day when looking at site on laptop she saw "check your points" and she did and realized she had a lot of them. She called me all excited and asked what gift cert we would like, she felt like Scrooge on Xmas day. She gave gas cards, stores, restaurants to everyone, even people we normally didn't exchange with. She said she really didn't have to touch her Xmas fund that year. Now that was from not touching them for a while and purchasing some large items and then paying it off that month.But no interest and no fees and presents for us, made her very happy that year. : ) I can't see anything wrong with that. She used it like a debit, paid it off before interest and got perks.

[@workinprogress-ye5or]

My friend who had the money to just use debit, used credit for big items and paid it off that month. She got some airline trips free. If you can do it, it's free without interest and fees. If you get interest, the perks aren't as much, you are giving the company money monthly.

[@nathangallagher5112]

First question I'd ask is if she really used it like debit even without knowing about points. It's not really the points that make people spend more with a CC, but just the fact that it's credit and doesn't feel like their money. Second thing I'll point out is that if she got that excited over the amount that those points were worth (maybe $500 or less lets say), then she is probably darn near living paycheck to paycheck like over half americans are. Having not much money, combined with the fact that she is so excited about the points system, is kind of a dangerous situation to be in. I'd be willing to bet she is spending (and likely overspending) on her CC now that she knows of the points. Remember, if you overspend even $25 out of $1000 then the points are already worthless.

[@deb9806]

@@nathangallagher5112 She was excited because it was free money. She was a nurse and she did well but she always had money put aside for Christmas and that year she didn’t really have to dip into it which is always nice and it didn’t come out of her paycheck. She got the card just to have it and felt it was safer and didn’t even know that much about points or thought they would just be a few. If you don’t spend interest, the points are a plus and some people like me don’t want anyone to have access to my debit account.

[@workinprogress-ye5or]

@@nathangallagher5112 that is something to watch out for. I don't bring cookies in the house I like so I'm not tempted. I lost weight with that discipline (something dave is trying to do with donuts) I've gotten a lot more disciplined from 30s on. Im so strict, I set up payment for a purchase, let's say 300 for a vacuum when I get home to come out with my check end of week or whenever, before the statement ends. If you get lazy, the interest cuts into it. I hate hearing the minimum wage workers at some stores like Kohl's or Tj Maxx, have to try to push their 29% card to save 10% on the purchase. One woman tried to "educate" the guy why one month on carrying balance would kill that deal" but the guy was just doing his job. You need to do yours. Scheduled payments is great for me.

[@tylerdingle3245]

Yeah. The problem lies is who pays for your points. The single mom raising 3 kids and charging groceries on credit. I refuse to earn rewards on other people’s debt

[@vdwalt4464]

It's nothing more than "using other people's money." YOU ARE THE "OTHER PEOPLE."

[@Successfinder123]

8:13 cars are the biggest waste of money. I love getting into a car that costs a 1/3 of the average car in America.

[@juanrocha8544]

Zero debt here, but I do have a credit score. Sorry Jade, but if it hadn’t been for my credit score, I wouldn’t have been able to get approved for a house recently. I’m sure there’s ways around it, but good luck hunting for lender that will work with that.

[@michelarosier1918]

I agree, I too have only one credit card, balance it, and pay it off completely. I'm saving and preparing for house buy process.

[@cereal76]

It's called manual underwriting. Lots of lenders "will work with that".

[@mxerb5912]

No debt but then goes on to say you just got a mortgage 😂

[@juanrocha8544]

@@cereal76yes, I know what it’s called. And also know that 1/10 lenders will do manual underwriting, so yeah, good luck with that.

[@stanleyypoon]

Again this advice is meant for those that are in a deep hole which is a majority of the viewers of Ramsey Solutions. People who work the game well obviously are the outliers that don’t need this advice.

[@itsbossclips]

4:40 I have 800 credit score and don't have any debt lol. You act like crippling debt is synonymous with a good credit score. Never payed a single cent of interest on my credit cards in 6 years and never held a balance. Edit: and whenever I decide to purchase my first home, my 800 credit score will make it 100 times more convenient to get a mortgage than this manual underwriting garbage you keep talking about.

[@lepoj]

She has so much confidence about this even though she's wrong 😂

[@jackochukpue8365]

Well most people fall into the trap of debt and ALWAYS miss payments. She has a huge following and she knows the world operates in generalities… 1/10 could probably do what your talking about. Also I assume your not 24 meaning your an adult that has only been able to do that for 6 years out of your whole life. So either you were paying interest and missing payments or you never borrowed money before 6 years ago… which proves Jades point 😂

[@itsbossclips]

I'm 25 lol @@jackochukpue8365

[@fragile00]

This show caters to broke irresponsible people. I don’t think they’ve met people with good credit and zero debt. Ever since George and Jade joined the “social media” team has gone up but the quality has gone down.

[@amireallythatgrumpy6508]

I'm sorry to hear you have a credit score.

[@mandb97]

I just paid off my last debt in September and my credit score went up. I don't get it. As an aside, I have never felt better mentally then I do now.

[@stevenp25100]

Of course it. She is pushing this weird and ignorant myth that you need debt to have credit stupid and false

[@lkj0822g]

Thats because one of the criteria used in a credit score is credit utilization. $0 balances improve your credit score.

[@deb9806]

It's how you pay. Even when I had balances, mine was 700 or so but now 840 with no mortgage but small loan. If they see you pay on time and more often (I think it's that with me) you get a good score. I taught my daughter to do that and I think hers raised. I told her pay it every 2 wks instead of monthly.

[@MrClassicmetal]

@@deb9806 So it's like that thing they do in China then. If you behave you get points. And if you say something the government doesn't like, they deduct some points from you.

[@deb9806]

@@MrClassicmetal I don’t know about that ,but I know that people have behaviors they need to work on, but it shouldn’t affect someone who doesn’t have that behavior. For instance, I don’t drink and I hate it when an alcoholic strolls into a liquor store and they don’t say I’m not going to sell you this bottle because you’re already drunk and have an issue. It’s not going to happen because they are a business. It’s the same with lotto if a guy is spending last money on lotto tickets instead putting it in his savings account because he thinks he’s going to win $1 million, it’s sad. But his choice. If someone like my self, pays their balances off as they buy things pretty much, when they get home, and takes the points and buys free gifts with them, same as ebates, that’s my choice, but if someone else can’t do it, they shouldn’t tell me I shouldn’t be able to do it

[@OopThereItIs77777]

Listen Jade can say whatever she wants. Y’all don’t like her because she’s blunt while still being a classy lady. It’s funny how it rubs you the wrong way. Get used to it. My husband says I love her so much because I am her 😂😂😂 She’s a queen. Period

[@instagramdude4784]

Jade is a rockstar.... No doubt there! Doesn't mean what she and other Ramsey personalities preach about credit cards is correct! No offense, and each to his own, but personally, I think it's downright stupid not having a credit card if you are being responsible and disciplined. Yes, may be what they preach is true for 70% who are not disciplined.... But it's downright WRONG when it comes to my spending habits. There's absolutely nothing wrong with having a Credit Score. All my expenditure (except for mortgage and other stuffs that charge processing fee) are via Credit Cards. I have the cash and pay it off every month. It's a no-brainer that points will never make you rich, but I don't mind having two international trips paid for by my points every year. It in no way has ever hurt me financially and will not hurt anyone who is disciplined and responsible. :)

[@deb9806]

@@instagramdude4784 She is also paid very well and is comfortable now. If she didn't become a Ramsey higher paid on air employee, who knows? I'm happy for her and I hope she continues to do well, but I know she doesn't have a real voice on his show, just his.

[@BrianW211]

I've never had any debt outside of a mortgage which I paid off in 2020. I did once take out a small car loan ($5K) in 2009 that just to get a better deal on a new car, and then paid off the entire balance with the very first payment. I do use credit cards for convenience and pay them off every month so that I don't pay interest. I have a credit score around 820. You don't need to have any debt to have a good (or even outstanding) credit score. It's worth having a high score just to get better auto and homeowner's insurance rates and it costs me nothing.

[@denisegilmer5140]

Hello Ms. Warshaw. My question is, What are the names of the three Agencies I need to call in order to check my credit, in order to eliminate any debt? And I'd like to just thank you for sharing.❤

[@rothbj1]

If you have a indeterminable score, you’re going to have problems renting, obtaining insurance, arranging utilities, and potentially missing out on job opportunities. It’s called ‘The way it is’. That simple truth doesn't make anyone a 'Hater'.

[@amireallythatgrumpy6508]

Only from pathetic lazy companies that you'd be better off avoiding in the first place.

[@topsykretts2264]

Debt is dumb

[@kiknchiknstudios8901]

@@amireallythatgrumpy6508 So any company that deals with finances?

[@amireallythatgrumpy6508]

Any American company that deals with finances, yes. @@kiknchiknstudios8901

[@deb9806]

@@topsykretts2264 Why does everyone equate credit card with debt? If you pay it off like I do the same day or week, how is it debt? You pay for it with debit, it goes out of account in 2 days, same here. Except my bank doesn't give me points for every dollar charged. Debt for a few hours is not debt to me. Debt is what you owe ongoing. No one cares about a charge coming off in a few hours.

[@Hippie-i8g]

How could Jade have HATERS? Oh, please! 💕

[@Sneakerheadjb23]

I ❤ Jade and the whole Ramsey team!

[@lilianromero2102]

Good for you Jade Warshaw!!! 👏🏼👏🏼👏🏼🙌🏼

[@michaelpalumbo4880]

A credit score is required if you want to rent in a luxury apartment and not in the hood, for low rate auto and homeowners insurance, for low rate mortgage loans, and for a host of other things. But then again, this is the Ramsey group, where unicorns exist and you always get 12% on your money and sequence of return risk doesn't exist.

[@amireallythatgrumpy6508]

There is no such thing as a luxury apartment. An apartment is a dump by definition. No apartment is worthy of human habitation. An apartment is only fit for cockroaches, bedbugs and spiders.

[@michaelpalumbo4880]

It's because you are the proletariat and follow the Ramsey bullshit and think that having a million dollars is good enough to retire on. Good luck with that. @@amireallythatgrumpy6508

[@amireallythatgrumpy6508]

Quite the opposite. I don't think people should retire AT ALL. I believe in working until the age of 80. @@michaelpalumbo4880

[@NatalieG427]

@@amireallythatgrumpy6508 Yes, there are many really nice apartments. Downtown Chicago has Luxury Apartments. Mind you, you have to be well off to afford them. They can be small, but you pay for the location.

[@amireallythatgrumpy6508]

Nothing about Chicago is nice.@@NatalieG427

[@larimichel4250]

From the UK here, I think it works differently for you guys in the US. Here your credit score is also linked to being registered for voting (is positive for your score and makes it higher) and any debit card, savings account, phone bill, etc. It's not just credit cards. Although I get the balancing act of having a credit card and only spending 20%, keeping on top of it and therefore rising your credit score. It's annoying. But it works. You would have to disconnect to anything and live off grit for them not even having any data about you. Plus, I don't know if that would work. I came to the UK from another country and my starting credit score was 400. Simply set because they didn't have data. So it didn't even start at zero but at a bad 400. That's all to say, it works differently in different places.

[@workinprogress-ye5or]

I love how Dave quotes Cuban but he doesn't advocate just not using cards, he hates the high interest people with bad credit pay, but he advocates personal loans. He leaves that out. "Cuban argues that if you’ve got a good credit score, getting a personal loan can allow you to get the money you need at a lower interest rate while still building your credit. If you’re approved for a personal loan, you’ll typically receive a one-time cash payment that you pay back over a period of time with interest." He got in trouble years ago like many when young. He doesn't say don't borrow. He is concerned with interest rates.

[@deb9806]

Yes, he hates high interest. Cuban told Business Insider in 2014 that he wishes he had known when he was in his 20s “that credit cards are the worst investment that you can make,” admitting that “I should have paid off my cards every 30 days.” But Dave doesn't expect anyone too for whatever reason so wont give the rest of what Mark says, personal loans are debt and he is just getting on his young self for using high interest cards. I did that with a store card once, bought 500 worth of things and realized it would take me a while to pay off. Transfered it to 0% card and paid it off half the time and let it close.

[@NatalieG427]

@@deb9806 Credit Cards are NOT an Investment. Just a method of paying on time. They’ve been around since the turn of the last century & not a new Invention to be scared of. I’m 60, with a credit score of 726, a Mortgage on my house & no kids. So, my husband and I don’t care if we ever pay off our house. If we die in the next 30 years, the bank will take it & who cares?

[@markJones38133]

I just paid off my house that I bought 10 yrs ago for a 100K and its value now at 230K. I have no other bills, broths my trucks are 10 and 14 yrs old. My credit score is 840 today, I do have a few credit cards that I pay off every month unless I don’t use them that month. I make 120K a yr and live off of 50K a yr. Everyone is different, what u did to make you a millionaire is good for you. Don’t expect everyone to follow your path, people have different needs and wants in life.

[@TommyG11814]

My credit score is 813 and I have 0 debt and my house was paid for when I was 45 yrs old I'm 62 now , no problem.

[@robr268]

According to them you should have a 0 credit score

[@amireallythatgrumpy6508]

I'm sorry to hear you have a credit score

[@TommyG11814]

​@@amireallythatgrumpy6508I'm sorry that your so sorry.

[@robr268]

@thebeegood1731 a great credit score is like earning a college degree....it gets you in the door and open up opportunities. Where 0 score is cool too, but you gotta work harder. But it's all about discipline. I know a number of debt free people with a high credit score.

[@TommyG11814]

@@thebeegood1731 credit score dosent really matter to me , could care less if it's 0 or 900, but following Dave Ramsey for years and getting out of debt is very comfortable as anyone would say.

[@susiem.2068]

The more I read the comments, the more I realize that the credit score system is comming for Americans' necks. What do you mean you need proof of credit score to hire moving companies, buy appliances, rent apartments and hotel rooms, etc ? I came to America as a tourist several times, they NEVER asked that of me as a foreigner. No matter how long I stayed for. Never ! I never had any issue, or been asked to look somewhere else. And they do that to you on your own turf ? It's crazy !

[@zapdosmtr4961]

IM keeping my credit cards open and pay my KZbin premium, hbo max and so on. That is my opinion.

[@trex7359]

We live in a world where the system encourages dept and to owe the man and if you push back on that system the world makes it hard to achieve the real American dream owing nobody nothing and being free .

[@muggins20]

What I never hear them talk about with regards to the "no credit score" mortgage is what interest percentage they're getting. We all know that the higher your credit score is, the lower your interest rate can be. Sure you can get a mortgage without a credit score, but how is that interest rate going to compare with someone with an excellent credit score? Make it make sense, and more people will maybe buy into the idea. Those of us who are disciplined and use credit but have never carried a balance or paid interest on it need to know that we won't have to pay higher interest on a mortgage when our credit score drops to zero. We see no benefit.

[@PInk77W1]

Make it make sense. I have a zero credit score And I paid zero interest for my house. Now I have a ton of money in the bank And no mortgage no payments no Credit score. The future is bright

[@citygurrrl6387]

you probably get a pretty decent rate because you arent already riddled with debt so loan to income ratio is much lower, its just a way more arduous process than the traditional one

[@llcross04]

@@PInk77W1Can you elaborate. Did you have a type of loan that was interest free?

[@PInk77W1]

@@llcross04 No I saved up and paid cash. I tried to get a loan from The bank and got into an argument with Them. I just can’t handle legalism and All that stuff. I have zero patience for it

[@BlueDauntless]

They do explain it. But y’all are so offended by their no credit stance, you miss it. They recommend having 20% down payment on a 15 year loan. And you pay that loan off in 8 or so years. So you might get a higher rate, but you’re paying the entire mortgage off long before the note ends, so in the end it doesn’t matter. Of course this also means you have to buy a house that’s within your budget. And if you read the comments, people that did manual underwriting didn’t get higher rates. Their rates are all pretty low.

[@lcarter844]

You will have a credit score if u are renting or have a mortgage with your name on leasel agreement, or your name on utility bill. A credit card or car payments is not the only way to raise your credit score. Just pay your normal household bills on time.