The Ramsey Show | January 31, 2025

[@JunJimmie-n5c]

I'm 51 years Old. $83,500 Biweekly and I'm retired. This video has inspired me greatly in many ways that I remember my past of how i struggled with many things in life to be where I am today!!!!

[@AustinMajor-b2h]

I’m feeling truly inspired. Can you provide additional insights about the bi-weekly subject you mentioned?

[@JunJimmie-n5c]

I raised 184k and Anna Kathleen Sanford is to be thanked. I got my self my dream car 🚗 just last weekend, My journey with her started after my best friend came back from New York and saw me suffering in dept then told me about her and how to change my life through her. Anna K. Sanford is the kind of person one needs in his or her life! I got a home, a good wife, and a beautiful daughter. Note!:: this is not a promotion but me trying to make a point that no matter what happens, always have faith and keep living!!

[@MayhewLecia]

Whoa 😲 I know her too! Miss Anna Kathleen Sanford is an incredible person who has brought immense inspiration and positivity into my life.

[@MayhewLecia]

I meagerly kicked off with $2k, and the results have been Jaw-dropping TBH!!!

[@BurakÇetin-d8s]

I know that woman(Anna Kathleen Sanford) If you grew up in new York, you’d know her too. There’s no ßingle doubt she’s the one that helped you make it to where you are now!

[@ryanpretchik3431]

A lot of my tenants have cars worth more than my 5 cars are worth combined. 😂

[@EdgarD4GEspada]

33:00 whoever finds those instrumentals Need a raise👀💯🔥🔥🔥

[@MassHypnosis805]

Imagine earning 190k a year and living paycheck to paycheck. I know it happens but can you imagine?

[@PrincessLolly1]

We do make that kind of money. (85% is my husband’s base + bonus. I have a much lower salary and work 60% PT.) We grew up modest (him) and poor (me). We can’t believe how some of these callers have lived. Two of my in-laws are like this. They think bcz they work hard at their 40 hr/wk job they’re entitled to buy every little crappy toy, or clothes or tech thing or go on a big vacation every year or two. We’re really worried they’ll be bankrupt in a year or two and/or working until they die. We’re all in our mid 50s. Young people need to wake up to what their material-based self-worth means about their integrity/values and how it’s shaping what their elder years will look like.

[@Batirtze-b6x]

It's childish, that's what it is. ​@@PrincessLolly1

[@dct623]

This show is a shell of it's former self

[@sharonchristensen5753]

Yes I did this. My husband‘s credit cards were only in his name and when he passed away from a boating accident, I was not responsible for any of his debts and I had to wait till I was 60 to draw a Social Security and his small pension that he has but he had a one life insurance policyso yeah you’re not responsible for it if it’s only in his name, even if you’re married because he didn’t have any other finances that were outstanding

[@fourdayhomestead2839]

Listening to replay. Missed a lot of tips. 😊

[@badlands9100]

George , seeing you like to read the comments, "Your the best, and your teeth should be used to model for Colgate😊!".

[@mirandawalker6600]

18:51 I'm a loyalist toi ad YES you can make a career move. I made 4 in the last 3 1/2 years and increased my income by $60k altogether with no extra official education.

[@kristinavoros6853]

I wonder if Tammy in Milwaukee could get a roommate before selling her house to give herself a bit more margin

[@roolyfe]

That’s a good point

[@Kadian-k5x]

Roommates don’t always pay their rent on time.

[@lyndahammel9502]

If it's a 3 bedroom house I'd have two roommates.

[@jwarnstarsmile]

Morgan. We are so sorry. 🙏

[@GemZwriting]

First caller - a bit judgy George, then Rachel reminds him sometimes life happens. His attitude changed very quickly. 🥴

[@Trustbutverify2651]

Mike, seriously?? You are $412k in debt and are waiting for a job that is a "good fit?" I'm having a very difficult time believing what I just heard!

[@Steve-sp7qu]

$1200 per month car payment is crazy even on $150k salary

[@AndrewS2972]

Bro my car payment is 250$ a month. Cant imagine.

[@PrincessLolly1]

We make around $200K. When we made around $100K we bought 3-5 yr old cars and paid them off in 3yrs. Now we buy 2-3 yr old cars for cash or pay them off in 1-2 years. Car debt and student loans will suck your assets dry.

[@SantiagoHaro-i2z]

Why not work Uber on the side use the car as an asset?

[@GoldenOldies-007]

George, you are my favorite person on the show, followed by Jade. Love it when its you and Jade hosting. I like Rachel, but have a hard time with her when she does the "what I would do" because she has not had to struggle financially in life. She really doesn't know what she would do in that situation as she has never been in that situation...When she tells people to work multiple jobs or 80 hours a week....Geex, she has never had to do this and in reality has no clue how difficult it is. - her dad yes; George, Jade - both made it thru paying off massive debt. What massive debt has Rachel had to pay off??? I'm thinking nada. As in nada thing. Not that Rachel doesn't give decent advise, but she has not had to live it.

[@amireallythatgrumpy6508]

If you are American you have had it easy financially. None of you people know what a struggle is. And to be honest neither do I.

[@PrincessLolly1]

@@amireallythatgrumpy6508 wrong, this American grew up with a single mom who worked her tail off and we still lived in poverty; no tv half our childhood, old, used clothes friends gave us, ground beef was a luxury, no car, never went to the dentist, lots of shame

[@amireallythatgrumpy6508]

@@PrincessLolly1 No you weren't. You Americans don't even have a clue what "poverty" is. And until you visit a country like Somalia you never will.

[@Spark_Grace]

I’ve noticed only Ken, Rachel and Dr. John D. have been lead all week… I’m use to George and Jade leading too…😕

[@MassHypnosis805]

I think that's the idea. They are trying to give the others a chance and the practice to be the lead.

[@GoldenOldies-007]

Maybe they are on vacation. Dr John has had some kind of personality change. He constantly tries to sound so cool, but when he says "rocking on till the break of dawn" I just cringe. Or when he sings caller names. Ken is just irreverent to me (I'm retired). Rachel is decent, basically states what Dave would. I've gotten to where I just am not listening to the shows that don't have Rachel, George or Jade.

[@Trustbutverify2651]

Morgan, every city has a Legal Aid where attorneys offer their services pro bono (no charge). Your relative should contact them and find out the next legal steps - there is an entire different pathway if someone passed without a will AND if children from two different fathers are involved. This is NOT a question for a call-in radio show where neither host is an attorney. He cannot wait 6 months to a year to get his emotional self straight - he will need to get a probate date from the court as soon as possible and they will assist him with the paperwork and steps to take. I settled my father-in-law's estate who had no legal will as the court-appointed Executor and also worked part-time for an attorney's office. He needs the right kind of help. And you, Morgan - do NOT get your name on his accounts. There are different regulations for who is responsible for what when two names are on accounts and you could be held liable. DO NOT DO THAT WITHOUT SPECIFIC ADVICE FROM AN ATTORNEY ON HOW IT COULD AFFECT YOU! The positive about life insurance is that you don't pay federal income tax on life insurance. Please also keep in mind that many estate laws are state-specific, so that is why you need help from someone in YOUR state with real estate knowledge.

[@PrincessLolly1]

As someone who settled two estates - little money with Medicaid and Estate Recovery issues in both - you are absolutely correct! Good intentions can mess things up from a probate standpoint. Everything is very state specific. These two hosts don’t have any of the knowledge your brother needs in this urgent and delicate situation.

[@GoldenOldies-007]

Please stop recommending buying a condo or a townhouse for someone who can't afford a stick built home or is going into retirement. Just stop recommending purchasing them period. The HOA fees go up at least 5% a year, as well as the property taxes going up, so it is NOT a way to control housing costs! I did that, sold my money pit house and bought a Condo. The condo, It has not increased in value very much, maybe $15k in 2 years, and the condo fee has gotten ridiculous as there is no law to control how much the board can decide to raise it and of course there are the "special assessments" to worry about. Finally, living in a condo, you may as well be in an apartment - the shared walls make sure everyone hears everything. I will never purchase a condo again, nor will I recommend them to anyone. Will be selling mine this spring. The sooner the better.

[@Toybarb]

We can do without "mean" Dave Ramsay.

[@amireallythatgrumpy6508]

Nope. Idiots need to be treated like idiots.

[@Trustbutverify2651]

Sorry, George - clearly you're not in the real world if you think "people don't cash out part of their 401k to buy junk." Oh, YES, they do! If it's "junk" they want - all the time. Why do you think the stats you just gave that 58% of Americans have less than $10,000 in their 401k?

[@amireallythatgrumpy6508]

If he is in America he is not in the real world. The real world laughs at America.

[@Trustbutverify2651]

@@amireallythatgrumpy6508 Really? I wonder, then, why so many people want to come and live here, and not just those who are desperate.

[@amireallythatgrumpy6508]

@@Trustbutverify2651 The only people going there are the desperate and the stupid.