It's Time To Take Full Control Of Your Finances | May 13, 2024

[@noidbusta1]

wife and I paid off the last debt today. house, cars, everything gone! 46 years old and DEBT FREE!!!!!!!!!!!!!!!!!!!!!!

[@tamaradebose]

🎉🎉🎉🎉🎉🎉🎉🎉 Congratulations!!

[@marisela731]

Congratulations!!!!!👏🏻👏🏻👏🏻👏🏻👏🏻🎉🎉🎉🎉

[@leilani2258]

I'm so happy for you!❤❤❤❤❤

[@SakuraMo1844]

Congratulations! wow!

[@BeeDee-qs9so]

Excellent job. You deserve to feel proud.👍🥳

[@hillcountry_homemaker]

Troy is a hero in all ways 😭 served in the military, the police force and took care of his wife in life and after life.

[@leechburglights]

😢so touching!

[@sofiaciro2525]

Troy is the living proof that living with dignity and discipline pays off! He left a legacy. His wife honored him by trusting him financially. Now she doesn’t know what to do, but she will know because she is going to live to honor his legacy love and memory. ♥️😔

[@davewarrant8673]

I didn't make it through that without crying.

[@jaykinglv7965]

Paying debt is like the gym : U won’t see a difference overnight consistency is key 🔑

[@BT-mc2yd]

Troy is what men should aspire to be! Served the community, the nation, AND loved his wife to literal death. What a MAN

[@Nigriff]

Women should be this way too

[@BT-mc2yd]

@@NigriffShut up

[@DeRocco21]

they do then woman thinks shes bored and cheats

[@BT-mc2yd]

@@DeRocco21 we get that you’re hurt and jaded, but not all women do this. Sorry you met someone that sucked.

[@JacobsNews]

​@@BT-mc2ydnot all, not all, not all, but most good-looking ones do

[@darrylwalls4162]

I'm a licensed electrician and never went to college. In fact I didn't even graduate from high school.Anything that you focus on can be done. Your only limitation is yourself.

[@Nigriff]

Well, if you want to be a doctor, you need a college degree and medical school. Not everyone can do that, even if they want to.

[@BT-mc2yd]

@@NigriffLol you are a mess. It’s odd how you always wanna play in the comments. Always wanting to disagree just to stir up something is a sigh of many mental illnesses.

[@cynthiaclark4990]

​@@Nigriff, sadly, you missed his point. Reread those last two sentences. He was encouraging us.

[@laurol4342]

​@Nigriff derp! Do you really think this person is suggesting that every person on earth become an electrician order you think the comment was meant to encourage people to find a way to make more money. If you're broke, you don't need more student loan debt to be a doctor anyway.

[@Tpn-wr2gd]

Thanks Dave! Been a listener since 1998. You helped save me from filing bankruptcy back then. Now, at 56, have a paid for house, 300+ in equity on a second house (sorry, could not buy it outright) and will retire with two pensions and a decent TSP. So glad I heard you back then and heeded your sage advice!

[@leechburglights]

Congratulations 🎊 brother!

[@JacobsNews]

​@@leechburglightsYou just replied to a robot

[@marysaltlife1427]

I'm so happy for you! That's fantastic!

[@kennyc2106]

I need a rice and beans and beans and rice T-shirt

[@roynerand250]

We retired, sold our house bought a 40 ft. Skoolie (a school bus professionally rebuilt into a home) ((they can withstand a hurricane, as they are completely made with steel)) And I got to design my house. I have a dishwasher, washer/dryer, art studio, farm house sink, retro appliances, roof raise, a chandelier in my living room, solar panels and and and... We have been traveling around the country for 3 years now and we LOVE it! Did I mention its the best thing we've done in our 30 year marriage?

[@alexisballard1459]

Dave attempting to model the apparel honestly made my day 😅 i felt like i was watching a GRWM with him on my screen 🥹😭🤣🤣

[@flashthecorgi2053]

Great show today! Wishing the best for all the callers. Dr. John and Dave gave great guidance to them if they will listen. ❤

[@wattapunk1042]

Firefighter and hairstylist owing $115k camper, $50k truck, $10k car, $7k CC. and making $140k per year...I am speechless, simply WOW!!

[@monicadhenderson8670]

Wow!!! Lisa had a great husband Troy!!! May he rest in peace ☮️

[@paulajeffrey6706]

I had a Victorian house in 2000. I had it rewired, whole ground floor screeded, new Victorian style bathroom fitted also fitted the kitchen out myself. It was a good solid house. In England you dont knock down an old house to build a new one unless it has serious issues.

[@republicunited2183]

Plus preserving great craftsmanship that cannot be replaced.

[@brookelondon8029]

My house was built in 1881. Double- brick construction, a gorgeous attic and full basement made of stone and 23 windows! I bought it in 1975 as my forever home. (And it still is, lol.) A lot of the new construction looks like tinfoil and popsicle sticks. I like living in something solid.

[@markpicard5975]

Dave, you are prolific and have a great work ethic. Thank you for setting me on the right track.

[@HARDWORKING9417]

All the way from Mozambique here but i am trying the baby steps. We do have limited options but the basics are relatable

[@nicolepadron]

“Beans and rice, rice and beans” on ANYTHING (even a sticker) for the next round of merch 😂

[@b.c.2836]

I wish they had done a more economical coffee cup... I dont need a Stanley

[@eileenwatt8283]

The first caller is the reason why I said no to marriage in my 20s. Why men in their 20s were asking me to marry them is beyond me. I told them " go get a life. I'm making one for myself. I don't want any distractions to miss direct me". I see them now and I'm glad I said no back then. Life hasn't been good to them . They didn't build before they married and their health is failing too. Twenty year olds please delay marriage until you have set yourself on solid ground. Your future self will thank you. You will live in contentment when your money, career and house is in order.

[@ricana1160]

Yes. I agree completely. You can get divorced at any age. However, you’re still finding out yourself in your 20s. 30s in my opinion is the best time to start a family and be married. At that time, most people are financially and emotionally ready.

[@Nicc1111]

I disagree actually. I did what you said and now I’m 48 single and no children. I kept pushing it off for my career (I’m a woman) and now it’s too late. You’ll never love as purely and deeply as you do in your first love and for every other partner you have your chances of divorce sky rocket. So call me old fashioned but I say marry your first love if he is good and kind and whether you become millionaires or not you’ll live a happy and blessed life surrounded by kids who will be there in your old age. If I could go back now I’d do just that. No shaking up. No giving the milk away for free. No running around enjoying myself at the expense of a family and future.

[@AnnHoyt-h4u]

I disagree. I met my husband a week after I turned 21. He proposed to me 4 months later and we got married 9 months after that. This year we celebrate our 24th wedding anniversary. I was still in college when we got married and he was working full-time. I would never delay being with the person I love for a job or financial setup. It’s the same for those people who say don’t have kids until you can afford them - then you’ll never have kids. If you truly love that person, and they love you, and you are both committed to each other, you figure it out.

[@ricana1160]

@@AnnHoyt-h4u that was the old times. Not in our current society when people get divorced just because

[@ЛюсяВ-я8к]

I disagree too. I got married at 22, been married for 21 yrs now, we have 4 kids and life is great. Granted we were poor when we got married and had student loans, but we were able to pay them off. I stayed home with my kids working part time for a few years and even thought we never took extravagant vacations life had been good to us. Wouldn’t change a thing. It’s all a matter of having common goals and marrying someone who is genuinely kind. Character matters.

[@PrestigiousProdigy]

“This was a pipe dream, like drugs were in the pipe pipe dream”🤣🤣🤣🤣Dave is truly a treasure.

[@eightiesaddictone9063]

Don't get married unless you're sure they are "The One". If not, you'll have years to regret your foolish decision.

[@OutdoorGardens]

One of my favorite episodes to date. Lots of laughs!

[@LindseyHarvell-vc4ez]

lol my favorite was an episode where a dude was upside down in a truck and John Delaney told him to write down his failures and put it on a brick in the backyard lol. And the guy was like …”okay…. But I should still just sell my truck right?”. Not EVERYTHING is some deep seated emotional daddy issue. Sometimes and most times people just make dumb decisions.

[@sherridevries9144]

😂 so true

[@kaelaleedaley]

Thank you! I can't watch John at all xx

[@Nigriff]

​@@kaelaleedaleyJohn "You can't breathe, so let me tell you about myself" Delony. 😮

[@Trustbutverify2651]

Lindsey - Great riposte!

[@laurianacapone5013]

This will be played again when the husband and kids get home. Great wisdom today guys, thank you :)

[@NMelter]

I think it works better when Dave is with a co-host that is more knowledgeable in another area. Otherwise, they don’t get a word in edge-wise. Good show.

[@Mahomesfan615]

My dad passed away last July. My momma still has all his things so I hope she knows there is no rush!!

[@heatherdoeur114]

Dana should apply for every scholarship that she is eligible for. It’s worth a try. That’s what my son is doing since we have no money saved for college for him. Good luck to you Dana ❤

[@brookelondon8029]

I remember Dave talking about a scholarship website many years ago. There are so many, literally, that go unclaimed. Often local businesses and social clubs and societies of one ethnicity or another offer small scholarships. Often they are small amounts but they add up. And sometimes people can get one with a part-time job. Your child sounds like a real go-getter!

[@BeeDee-qs9so]

The Ramsey merchandise segment was worth the wait. “Softy T-shirts” - too funny - Dave’s discomfort was absolutely palpable. This is a sign the younger generation have taken over the reins.😂

[@aim78]

My favorite part was hearing him say “merch” 😂❤

[@linajon]

Additional T-shirt logos: “Good Lord!” “You’re Broke!” “Rice and Beans, Beans and Rice” “Stop Buying Things You Don’t Need!”

[@BeeDee-qs9so]

@linajon Perfect. How about “Sell the truck…Tah-DAY!” 😅

[@BecxCosyCorner]

If they don't already have it "sell everything until the kids think they're next!" 😂

[@heatherdoeur114]

That “Good Lord” t-shirt would be practically universal. I need it 😆

[@BT-mc2yd]

We need “Amputate the Tahoe”

[@ellea2541]

AND "Best place to go when you're broke .... TO WORK!"

[@kylecaudill9261]

45k in debt and starting the baby steps. Im always excited for payday to see how much I can dump into my debt.

[@Trustbutverify2651]

Caller #1 - DO NOT DECLARE BANKRUPTCY AT AGE 24. You will be setting yourself up for 7 years of disaster right at the time that you should be forging ahead. You're young - WORK LIKE CRAZY. If you were 60, it would be a different story.

[@brucefredrickson9677]

Yep...he married a stranger. He also seems to love debt.

[@Kyle5K]

Thanks Dave and co.

[@amireallythatgrumpy6508]

We're all addicted to something, guys. Most addictions are benign and harmless. Spending time with family ican be an addiction. Vegetables can be an addiction. Watching too much Ramsey Show can be an addiction. Not all addictions are the negative ones like spending, gambling, drugs, alcohol etc.

[@reneespring834]

Thank you Dave and John for putting the spotlight on domestic abuse. The write in question whose husband was abusive and alcoholic hit close to home, and your feedback was empowering to spouses in similar situations. 💜

[@Nigriff]

What they never address is why people become abusive, why people are attracted to abusers, and how to avoid the situation in the first place.

[@Trustbutverify2651]

@@Nigriff So true, and the problem with not addressing that is the people who have been abused and leave often hook up with another abuser whom they think they can "help." One of the major weaknesses of some women is thinking they can change the man they're with. What you see when you start a relationship is what that person is going to be like. Open your eyes and SEE the signs!

[@BT-mc2yd]

@@Nigriffthis isn’t THERAPY, hush. It’s a radio show with a time limit; they cannot guess and hope why someone is the way they IS. They need to sit down and dig into it. If they did what you are proposing, it could get very dangerous very quickly. We help the VICTIM first. Shut your mouth.

[@JacobsNews]

​@@Trustbutverify2651once they go to the exciting bad boy it's hard to go to the boring guy the same for guys once you start dating strippers the housewife is incredibly boring

[@jessicacamp22]

Women can be financially, emotionally and physically abusive too. My husband’s ex wife was all of those things, the exact example Dave and John gave.

[@tracyk920]

Woot woot!!!🎉🕺💃 Debt Free couple from my state. Love seeing when Wisconsin is represented! 🙌 🙌

[@crosseur879]

From canada 🇨🇦 and love your system is there a way to get in pdf the buget , app dosent work in canada

[@gourabsarker9552]

Sir how much do you earn in Canada? Plz reply. Thanks a lot.

[@tidegirl6526]

There are a bunch of budget books on Amazon. It really helps me having the paper and pen budget instead of digital. ❤

[@Pandaeyeshey]

"You're going to be ok son" gave me a lump in my throat

[@theendlesswanderl8149]

Look up the difference between term and whole Life policies for life insurance. Term life or termination life terminates after a certain period of time and you will be rated at a higher age when you go to reapply. Term life insurance gets exponentially more expensive the older you get.

[@brookelondon8029]

Yes, term gets more expensive. If you stay out of debt, you don't need term insurance anymore because you're self insured because you lived right, saved 15% and invested wisely. One of the problems with whole life is that your money is invested and they make between 10 and 12% and they give you much much less. It's really not a good buy.

[@theendlesswanderl8149]

@@brookelondon8029 Most of the time it's guaranteed so it's a bit different from normal investing. I'm a license life and health agent. I see about 5% compounding interest on average for Life policies. If they make more they keep it. If they make less they still give you 5%. You can have the option of being able to dictate how your money is being invested but then the 5% no longer applies. if you make more you keep it if you make less you lose it. All the while you are locked in at a lower rate as you age.

[@theendlesswanderl8149]

@@brookelondon8029 @@brookelondon8029 also in the event that the insurance company becomes insolvent. Your policy is backed by the government up to a certain amount. All listed insurance company have to pay into this in the event one of them becomes insolvent. So it's as safe as banking.

[@Arnold001-1]

Great job Troy!

[@carsonsnavely4641]

The lady that wanted to finish her attic should just finish her attic. Dave jumped to conclusions too fast. No need to jump into building a 400,000 dollar house or more instead of just finishing the attic for 75,000 if she was ok with the rest of the house

[@book_wookie1917]

Papa Dave when are you going to start shipping to Canada?!? The Yeti needs to be in my collection and the shirts.

[@Yensen2020]

Two things. Love when southern people call them VEE HICK-les. Second, anyone notice that long story short never involves a short story? Haha

[@BT-mc2yd]

How does everyone else pronounce them? We also say Vehicle lol

[@Trustbutverify2651]

Goes along with Nuke-you-lure, as in cutie pie Rachel, bless her heart 🤣

[@pamsmith1665]

Veehickole​@@BT-mc2yd

[@TH0KH]

​@BT-mc2yd vEE HICK uhl said almost like 2 or 3 separate words with a big emphasis on the H sound. I've notice it also often sounds like, louder and more forceful/aggressive than the other words in the sentence? Hard to describe lol, probably just me being not used to the break some people put between the Ve and Hicle Other accents say it more fluid and evenly stressed, like vee ick ul or vee ah ckul

[@lindaripp5902]

Thank you

[@Nigriff]

You're welcome

[@MonicaRodgers-fv5ni]

Yes please make the app work in Canada.

[@AllThingsMoneyandTech]

Chip Gaines is a bit unusual, extreme risk taker. Joanna keeps him grounded.

[@EdgarD4GEspada]

Dave saying bro had me dead 💀😂

[@anagalindo9573]

Troy great job hero, 😢bless his family

[@Aquaria2291]

If the merch team is reading, please do the "debt free" sweatshirt in the blue with white lettering. And a "we have food at home" pullover would be clutch. Thank you! 😂

[@Kulintronica]

1:13:49 hilarious "push it down" exchange. The funniest people harbor dark minds. Look at these two

[@timknin]

I can't wait for the cruise!!🎉🎉🎉

[@patrickoblenida2653]

I applied chapter 13 way back 2021 :( i wish i just heard dave ramsey before

[@art07v]

How is every dollar calculated when paychecks vary from sometimes overtime sometimes not. Is this just on the basis of 40 hours a week?

[@enmaretube366]

Troy is like my dad❤❤❤❤❤

[@HeatherSheen]

I would pay money to watch "Home Renovations with Dave"!! LOL

[@stylesbynataliemichelle8549]

Can we get a beans and rice, rice and beans 🫘 🍚 tee, as well as a Better than I Deserve crew neck!! ? Love the merch!!

[@nancyyount2186]

Statement idea for shirts..."so when are you getting married?"...for all those unmarried couples blending their finances.

[@NaturalWifeyandMamaBear]

I gotta get that “we have food at home” shirt 😂 love it!!!!

[@texasskygirl7890]

Reddit, Twitter. Stay for 5 minutes then leave! I only go there to look at pets. Why would I seek advice from random strangers that I know nothing about?

[@RuthEdades]

My V8 Ford Explorer Sports Trac 2007. $8K cash. 4 door truck.

[@AnonymousMiner2]

30$ an hour to work on airplanes? Chevrolet hiring at 75$ an hour in Los Angeles. thats messed up 30:00

[@gracew7898]

New to Ramsey, but, why do they give a free course to people who have the money to purchase one, and not the guys who can't afford and are in debt, like the last guy who was newly divorced?

[@miryamishot]

I wish I could get the debt free hoodie but not yet 😊

[@Trustbutverify2651]

There's another issue w/ home renovations on older homes. We found that out when we had two bathrooms redone. When our house was built everything was in feet and inches, now much (like tiles) is in metric.

[@BrendaBodwin]

None of my homes are in metric. Not my older homes, and not my new construction. So I'm not sure what your looking at. 🤔

[@Trustbutverify2651]

@@BrendaBodwin What I was talking about was not the measurements of the house, but of the items you need to use to renovate, like tiles. Our bathroom measurements of the space is in feet and inches, but all the tiles we wanted to use were in metric measurements which meant the guy doing the renovations had to do some creative measuring and cutting. That happened to be a job for a pro, not a DIYer.

[@BrendaBodwin]

@@Trustbutverify2651 I see. I cut my own tile, with a marble cutter, aka a wet saw. Works great.

[@JacobsNews]

​@@Trustbutverify2651the only thing that would be creative would be the ordering of the material the contractor is going to measure it and cut it on the job site

[@robertbourke8618]

250k for a house!!!! Where the hell do these people live!

[@Nigriff]

I wish John would actually address what goes on behind abusive relationships instead of just seeing one person as the victim. As a Christian, as hard as it is, we need to pray for, have compassion for, and try and help all people, even if they are abusive addicts.

[@flashthecorgi2053]

Believe it or not Dr. John has actually taken calls from both abusive men and addicts on his own show and he was extremely compassionate to both of them. John is the most empathetic, loving, and caring guy there is HOWEVER, it is not the time to pray for an abusive jerk while a hurting lady who wrote in needs help.

[@BT-mc2yd]

⁠OP is a troll. He can always find a reason to belittle John. It’s sad

[@samuelbudgets6312]

Don’t rag on us clothing sellers Dave lol 😂

[@TheCookieFranco]

I sure wish I could buy the better than I deserve cup and shirt, but I’m in baby step 2 😭

[@Nigriff]

John, "that's cool, let me tell you about myself" Delony

[@Trustbutverify2651]

You forgot to add bro.

[@sherridevries9144]

Beans and rice Rice and beans That on a shirt please!🎉

[@KateDerepas]

Should do a shirt that says "Beans on rice, rice on beans"

[@littlewitch1218]

I downloaded every money app. I would rather divert the 18 a month to pay off my bills.

[@noaspencer]

Where in the steps do you save for a house? theyre written as if I already own one

[@marysaltlife1427]

Not written, but referenced as 3b in discussions😊

[@noaspencer]

@@marysaltlife1427 do you work 3b and 4 at the same time?

[@bettedavis9261]

​@@noaspenceryou can, if you want to, or you can throw all your money into saving for a house, as long as it's not more than three years. The other option is to put some towards the house down payment and some (less than the full 15%) towards retirement...again, not for longer than three years.

[@marysaltlife1427]

@@noaspencer I'm not sure, but I know 4,5,&6 are worked together, so maybe not. I'd wait for someone who really knows that answer to type it. I hope the very best to you on your financial journey.

[@warrenwillis5382]

3b. Dave explains it in the Total Money Makeover book.

[@MrMustangrick]

Like money? What’s that?

[@darkhorsematters4550]

Can I have a DELONY shirt?🤙🏽

[@michaelasouthall2876]

Men’s boxers that the butt says “rice and beans, beans a rice”😂

[@coreybates7412]

Why doesn’t Dave like gold and other commodities?

[@snipetownsam]

Because they don’t have a great long term track record of growth.

[@coreybates7412]

@@snipetownsamright but that’s why gold is an inflation hedge/money/savings. Not an investment. Dave has a problem holding 5% gold and silver in a portfolio?

[@Nigriff]

​@@snipetownsamGold has increased in value for thousands of years. It has been used all over the world as currency. It's inflation proof and a tangible asset with intrinsic value. Most Billionaires have quite a bit invested in Gold. The biggest economic mistake The US ever made was making the US dollar a Fiat currency no longer backed by gold. Now the Federal Reserve has full control over the economy by just printing more money, which decreases the value of the dollar, thus causing inflation which is basically a tax on the working class that we never approved of. Gold is at the highest value ever, over $2000/oz and will go up as more countries no longer use The US dollar as currency.

[@Nigriff]

​@@coreybates7412​ Gold has increased in value for thousands of years. It has been used all over the world as currency. It's inflation proof and a tangible asset with intrinsic value. Most Billionaires have quite a bit invested in Gold. The biggest economic mistake The US ever made was making the US dollar a Fiat currency no longer backed by gold. Now the Federal Reserve has full control over the economy by just printing more money, which decreases the value of the dollar, thus causing inflation which is basically a tax on the working class that we never approved of. Gold is at the highest value ever, over $2000/oz and will go up as more countries no longer use The US dollar as currency. Just 200 oz of gold 50 years ago could buy a house and the same amount could today.

[@Nigriff]

​@@snipetownsamDave loves to bring up the stock market's 100 year old track record... that's a joke compared to gold and silver holding and increasing in value over thousands of years 😂

[@dasarvy]

1:18:22 "my daughter is 15 but we don't have money to pay for college". Dude, where have you been 15 years? It never crossed your mind that one day your daughter to go to college and you need some money

[@sarahs7712]

You cant just sell the home. Both names are on the title. He's not just gonna let her sell the house without a court order

[@Trustbutverify2651]

Oh yes you can. You can certainly force a sale by going to court.

[@calvinreichelderfer7989]

Romans 12 12:1 I beseech you therefore, brethren, by the mercies of God, that ye present your bodies a living sacrifice, holy, acceptable unto God, which is your reasonable service. 12:2 And be not conformed to this world: but be ye transformed by the renewing of your mind, that ye may prove what is that good, and acceptable, and perfect, will of God. Those verses aren’t talking about not being like everybody else its talking about giving yourself to God and through the word of God having your mind transformed to know the will of God. At least I think that’s what it partially means.

[@Jeff-tp6bc]

Is this the Ramsey show?

[@rnarzu]

Why not whole life?

[@Nigriff]

"Like drugs were in the pipe pipe dream" buying a new camper and truck by borrowing over $150k

[@Trustbutverify2651]

Here's a hint: when you don't make enough and have a high enough credit score to buy a small home, that should be a clue you can't afford a $150k new camper. And Dave blames Camping World... This pair REALLY could not read the writing on the wall.

[@Toofbar2]

So the guy that is abusive to his wife and ended up in jail; it’s so easy to call him a monster like Dave and John are doing but they need to get to the root of the problem. I’m going to assume he’s abusive because his wife makes more money than him and he feels belittled. But the cause could be “friends” he hangs out with that aren’t being friends if they mock him by saying his wife wears the pants in the family. He needs counseling and needs to remove any “friends” from his life and someone needs to speak into his life and make him realize that his wife loves him and wants to be his partner in life.

[@breezybre2670]

Please ,please do not take God's name in vain.

[@b.c.2836]

The math some people do in their head is funny. Spend 200k to save on rent...

[@streetrunnerstv2203]

😂😂 sorry sorry, Dave “What kinda debt are you in bro” 😂😂

[@Trustbutverify2651]

Wait for it - flash the corgi will declare John the greatest and the best of all times.

[@flashthecorgi2053]

He is! You know me so well. Dr. John is the BEST!!! 🩵

[@frenchy1220]

You know what I’ve noticed. It’s mostly the wives that are making these phone calls Dave where are the husbands?😂

[@jackiebridges7138]

Wow are you guys support life insurance what a trip off

[@myoldvhstapes]

Dave has a lot of rants about term life insurance versus whole life. He states that whole life is the scam and that term is helpful.

[@roynerand250]

30 dollars a hour equals 50 thousand a year.

[@myoldvhstapes]

After taxes, perhaps. $30 an hour x 40 hours= 1200 a week. There are 4.3 weeks in a month= $5160 per month. Times 12= $61,920 if my napkin math is correct.

[@Kbearthmover]

Work out 6 days a week with kids wow

[@AlemaSedlacek]

T-shirt❤

[@user-sw2jk3vo3y]

John is going to carry this show into the next generations.

[@Nigriff]

I hope not. He's an irresponsible "therapist" trying to give advice to people he has no actual knowledge of past a 30 second conversation

[@Trustbutverify2651]

Not in this lifetime.

[@flashthecorgi2053]

@@Trustbutverify2651​​⁠Oh but you don’t get that choice… do you? Dave hired his personalities to carry the torch on so that means Dave has all the intention to leaving it to the great and wonderful Dr. D. John is the BEST!!! 😊

[@Trustbutverify2651]

@@flashthecorgi2053 🤣🤣🤣

[@gilbertovasquez7885]

I'm sorry guys, We don't like you. WE LOVE YOU MAAAAAAAAAAAAAAN!!! :) Come on guys, let's show how much we appreciate Josh and Tim :) Gil

[@zkc16youtub]

Please stop so regularly taking God's name in vain.

[@jjohnson479]

Jade needs to learn what John just did in this first segment. Keep your mouth SHUT while Dave is talking. Jade, please take note.

[@Nigriff]

The only time John keeps his mouth shut is when Dave is with him 😅

[@BT-mc2yd]

Keep your mouth shut about Jade. ❤

[@spuc3]

@@BT-mc2yd Jade does a fabulous job especially given that Dave is heading for retirement.

[@motoryzen]

Also about 1st caller's situation. Where was the wife's money to pay on either of these cars? Did she just sit on her @$$ and let the military guy support her? After all she took one of the vehicles so she should be paying off that debt and that debt should be expunged from his record since she chose to take it over Euphemia Nazis wanted equality, have at it but it also comes with responsibility

[@BT-mc2yd]

Please shut up

[@AngelaVlahos]

this guy is a debt collector

[@almostemptynester777]

I'm not against life insurance but I don't like someone to tell me I don't love my family if I don't have it...ridiculous! 🙄

[@KimberlyVoravongseng]

Toughen up

[@BT-mc2yd]

Imagine leaving your spouse with no money. That means you don’t love them. That’s just point blank period GET LIFE INSURANCE

[@wl660]

Life insurance is a rip off. Invest your money when young and it will be there when if you die…

[@eightiesaddictone9063]

You don't ever want to keep all the clothes. Youre not letting yourself move forward in life.

[@notgivingmyemail3381]

Interesting comment from an eighties addict

[@CristinaE-dh9pd]

I want cash is king debt is damn T