If You Want To Be Successful, Follow This Proven Plan | June 24, 2024

The Ramsey Show (June 24, 2024)
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Dave Ramsey & Dr. John Delony answer your questions and discuss:
- "I'm trapped in a bad lease,"
- When you should and shouldn't use your 401(k),
- Why you need to choose your friend carefully,
- "How can I force the sale of an inherited house?"
- "How do I stay motivated to pay off debt?"
- "Does the Bible allow for earning interest?"
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[@redqueenthefirst]

As a Muslim, I'm trying to find alternative saving solutions, but I like the Ramsey way of becoming debt-free. I've been listening to this show since the beginning of this year and I have a few months to get out of debt completely. I’ve learned so much already, thank you Ramsey Family.

[@billstrange7401]

This world needs more “Jim and Taylor” couples! They are batting a .1000 ! Well done 👏🏼

[@caliopeknows844]

Just because something feels unfair doesn't mean it is illegal.

[@MsValiG]

Good talk directed to the guy coming out of jail. It's unbelievable how many actually good people end up in jail for a stupid mistake

[@BeeDee-qs9so]

Yes, I agree. JD in particular, gently gave him some Reality to deal with up front. Really well done.

[@KadenHarmon-m5c]

God's word does not change. His heart for people is to be giving and the same goes for money and interest.

[@MariaGarcia-gj5ie]

Hello everyone 😊

[@clintflippo917]

Im financing a room for the cruise!

[@bwkeys87]

Some of those meds are actually very detrimental to your health because of the effects on the gut/large intestine which determines most of our mental health. Issue is in America or food is poisoned so therefore we are more depressed.

[@theclothingcottage]

Guy with wife who cooks. Leave her alone and let her, she likes it. Why don't YOU make more? Computer science degrees can make more than 27 per hour.

[@maureenm8046]

My computer science cousin, she has a masters and certifications makes over $150K annually; lots from side hustles and consulting

[@theclothingcottage]

@@maureenm8046 Yes. My ex made that with just a BS, after being in the field for a number of years.

[@DanielCastro-wi3xs]

Kinda defending ahole landlords. They did put pressure. They young they got scared and accepted. You should have name the management company or the landlord make sure no one does business with them

[@Luv2Ski4500]

Businesses do that. First time I went to buy a car they tried to pressure me into buying. I walked away. That is the choice every consumer has is to walk away.

[@blueicer101]

last guy before the girl sounds like that incel reddit character. he makes good money so I'm surprised. maybe he was lying but maybe not.

[@noaspencer]

Sell your car and get a 96’ Honda Accord, because Jesus said they were all in one Accord

[@lakishatoussaint]

😂😂😂😂😂 never gets old.

[@amireallythatgrumpy6508]

Who the hell puts the apostrophe THERE? How idiotic.

[@LordBass]

​@@amireallythatgrumpy6508You haven't heard of the 96 foot long Honda Accord? 😋

[@BeeDee-qs9so]

@@LordBass😂

[@noaspencer]

@@amireallythatgrumpy6508 my bad grumpy won’t do it again

[@martfranman]

Dave you are no biblical scholar. Jesus made full the law not did away with it. Matt 5:17

[@literology1329]

I just love the couple that paid off 193k in student loans. You can tell they really love each other. I hope they have the best future. ❤

[@OutdoorGardens]

The Dave/John duo is strong

[@kellibuzzard9431]

Agree.

[@mattlaeff724]

Yes, but stay in their lanes of Dave being finance, and John being Mental Health.

[@mustangkurt]

It really isn't.

[@jonpondi1206]

Frank, sometimes in life, in marriage, love supersedes ambition. Sometimes a little shack with love is worth more than a mansion with misery.

[@heavensmith4415]

Congrats Rhonda and Demah! Super proud of you both!

[@michaelcampbell3446]

Was in the lobby during this show. Great to finally get to meet Dave, John and even George!!

[@citygirldeb54]

I’ve been listening to you for about 6 months now - I received a large inheritance and listening to your advice as for as investing has helped a lot ! Thank you ! ❤first thing was I paid off my home 😊

[@tduck828]

Awesome use of the windfall. A paid off house is huge!!

[@bribradt3450]

Congrats! Just be careful with Dave's 1 size fits all approach to investing....25% growth, 25% growth income, 25% aggressive growth, 25% international.. Every situation is different 100 percent equities can be dangerous if you're in or close to retirement. A portfolio like that can do very very well. & also very bad in a market downturn without any holdings in fixed income

[@annanelsen8006]

RAMSEY ATE. per usual. “Time to be a man of action.” absolute legend.

[@AlexClarkcompany]

I'm now avoiding new purchases to avoid slipping into a bear trap. However, I'd like to know where the best investment opportunities are during a downturn. My goal is to retire comfortably on around $1.2 million.

[@JackWalsh-d7h]

Wishing you luck! The key to a happy retirement is to live the life you choose, if you have a certain amount in mind for your retirement, it is only appropriate to work with a knowledgeable advisor to make plans.

[@RhysHuntoffice]

I concur that guidance should not be disregarded but rather followed. I remember a few summers ago, not long after my horrible divorce, I was in dire need of advise on investments to keep my head above water. Fortunately, I met someone with grit who greatly assisted me in growing my reserve, which despite inflation has increased from $360k to about seven figures now.

[@AlexClarkcompany]

nice gains there! Please share your advisor's info with me. Due to my increased income from work, I'm thinking about investing in stocks and other assets that will enable me to gradually build wealth.

[@RhysHuntoffice]

Leah Foster Alderman is the licensed expert I use. Just look up the name. You would discover the necessary information to deal with a correspondence to schedule an appointment

[@AlexClarkcompany]

Wow, I just Googled her whole name and found her platform. Thank you very much for bringing this to my attention, I will definitely get in touch with her.

[@worldnomad2301]

So the apartment is 4k a month? You guys are living a little too good for being broke and in college.

[@Freespeech2]

There’s a housing shortage at UofI Champaign. The kids need to sign leases the October before their next year. decent apartments near campus are incredibly expensive. $1000 per kid is not an anomaly. It is however ridiculous.

[@kathyharrison8192]

Awesome job Rhonda and Demah!!!!🎉🎉🎉🎉 What a lovely family!!!!

[@christabellecarpenter2354]

Guy who called about his younger brother being the executor and not selling moms house.....if the brother won't execute the will and the estate, depending on your state law, you can go to the court and have yourself, or someone else appointed an executor. In Arkansas, if the bank believes there's multiple copies of a will, they can require a person to go be appointed by a judge to be an executor. Even if there's a will who names an executor. The bigger banks will stall paying out a bank account if they don't believe the will is the only copy. Sometimes family members come forward with "updated" copy of a will that's different than the original will. Even if you don't get appointed, the court will force the younger brother/executor to produce that will. Why did you guys wait 4 years to be asking the younger brother to get the estate going? It takes several years to discharge an estate completely, even if you start that first year. Get an attorney and get this going ASAP.

[@kimpaugh4495]

For Brianna with the car, that she believes is only worth $12,000, it is possible that she paid for an extended warranty and/or gap insurance. I did that when purchasing a used car, but i was able to cancel the warranty and that amount of money was deducted from the loan.

[@nickperry3762]

Sorry Brendan, that’s just how rentals work in a college town. Happens to the best of us. Every landlord swears they have another group of guys coming to look at the unit later that day. Take the L, and consider it part of the education that you’re paying for.

[@MsValiG]

All rentals work this way. I'm paying $2,200 for a two-bedroom and now they rent for 1800. I tried to switch to a cheaper apartment halfway through my lease and they said yes but they never had one available of course. I have two more months to go out of 14 months lease

[@paulh1745]

And plan to move out at the end of the lease and tell everybody that you know what that landlord dead. Furthermore, go online to every review website like Google and yelp and any other website, you can find to tell the world how chickenshit this landlord is.

[@brooklynkelsey703]

Yeah college town apartments know exactly what they're doing. The kids are desperate for housing and they 100% take advantage of that.

[@Newfoundadventures-2024]

There are multiple options. 1. Vacate the place and cut contact. 2. Dispute the contract. Claim the signature was forged. 3. Sublet the apartment for the remainder of your lease.

[@tivauhn1991]

I love my cheapo cruise.

[@timknin]

Ramsey Team!!!! Please have another cruise in "2026" we already have committed plans elsewhere and would love to make it then!!?

[@alexisballard1459]

Just like God to weave in some casual biblical wisdom through Dave on the show today, love to learn the intricacies of religion and Dave hits us with it on the fly! Truly inspiring

[@jontorr2860]

Such a useless answer for those college students. No compassion for them getting screwed over. I know $250 is chump change for you but not for the little people

[@jaykinglv7965]

Can’t nobody do the intro like Dave !!!!!! Timing always on point 👏🏼

[@miloseveggies8064]

That first caller got a great supply-demand lesson without having to pay MSU

[@susi09]

The interest discussion around the 1:30:00 mark was interesting. I wasn’t aware of what the other religions said regarding usury, but Dave was right - Muslims can’t accept or pay interest.

[@dentond4913]

Who’s Bernie?

[@angorachic]

😂

[@bettedavis9261]

Sanders, Madoff, the next door neighbor's dog...

[@christabellecarpenter2354]

😂​@@bettedavis9261

[@TheCookieFranco]

Have a great week everyone! I hope all of your dreams come true!!!

[@Hankjones1]

One of my dreams is that nobody ever writes this question again on a KZbin comment

[@freenation.podcast]

You too

[@sistahinscrubs]

First caller…welcome to the world of renting. Everybody in the apartment community are paying different rates. The people who been there longer are paying more. The new comers are paying less.

[@saulgoodman2018]

Legally they can't give you 6 hours notice to renew.

[@sistahinscrubs]

@@saulgoodman2018 I truly think they had a deadline date. And they waited until the last day which only gave them 6 hours left of that day. When I renew my lease or if I’m moving out, I’m require to give a 60 day notice. On the last day (of the 60) my rent will increase and renew as month to month if I don’t sign a lease. If I move without notice I’m required to pay that full month at market rate.

[@saulgoodman2018]

@@sistahinscrubs But they still gave them 6 hours only.

[@nickperry3762]

@@saulgoodman2018it wasn’t a renewal. It was a new lease. You just have to sign almost a year ahead in most big college towns.

[@tduck828]

Guarantee they were given more than 6 hours.

[@personaltrainer1]

So proud of you, Alba. I know how hard you work.

[@nonam33v3r]

Thank you so much 💓 sending you light & love

[@veramae4098]

Great video: "The Apostle" Great scene with Steven Curtis Chapman, visiting main character in prison.

[@TheAfricawewant-f4s]

From a historical perspective, great to see a southern Red neck recognition some good parts of the quoran. This is the progress we need in the world! I’m not a moslem but I read a lot of historical materials

[@darylcansino]

I feel like the first caller may be misunderstanding the situation around that lease… Maybe that reduced price is for new renters, not renewals…or maybe it’s even just for the first month or something. They’re probably trying to get new students in the door.

[@BeeDee-qs9so]

That whole call was confusing to me. I think Dave and John were confused as well as the caller. Clean sweep of confusion. 😅

[@saulgoodman2018]

He give them 6 hours to sign a new lease. So I'm more likely to think the students are correct.

[@saulgoodman2018]

No Dave. Landlords have to give you like a 30 day renewal notice. Not 6 hours. Of course a landlord would stick up for a landlord. Dave saying they did nothing wrong? And John sticking by Dave?

[@mattlaeff724]

Caller: Currently, I make 65k a year Dave: Ya, but what do you make?

[@rethinkcps2116]

Most large campuses have a student legal aid office. Find out if MSU has this office. Always good to get a lawyer to look over a contract. For rhis lease or the next one..

[@DeezyDesoto96]

John did an amazing job with alba he really made her feel heard 💯‼️‼️

[@Slow_of_speech]

Speaking on the “Levitical law” thing. The easiest way I think to debunk his statement is that he tells Christians to tithe; which is a levitical and Deuteronomy command. God’s commands and laws are good for us. I used to believe like Dave but that’s mainstream bad theology and doctrine. He’s right on the usury, but should’ve left it at that. Now he taught someone to disobey God. And this is why Jews don’t accept Jesus. Christian’s teach a law changer as their messiah.

[@susi09]

Didn’t know tithing was part of Old Testament. Thanks for sharing!

[@Slow_of_speech]

@@susi09 You’re welcome! Yeah it’s a very interesting system.

[@jeremydenton8398]

2022 Cadillac XT 5 with 25,000 miles, standard equipment is $32712 Private Party. Curious of the other details???

[@kevin.m213]

41:44 From someone in a similar situation. THANK YOU for the way you view others without judgement. Many of us have regrets in life and struggle moving forward. Legal limitations and labels do nothing but make it worse. But change and progress is possible, and support if others makes it more manageable.

[@dennishazel]

Hi Dave I’m a big fan of yours. I have a question about the bible teachings. I heard on this episode a guy asked about bible preachings about interest. My question is if Christians eat shrimps at Christian times why its still needed to tithes at 10% were its teachings in old testament not on Christians teachings. I dont see in the bible in New testaments that Christians still follow Moises teachings to tithes 10%?

[@danielgrobbelaar9576]

Hi. I love all your advice and want to know, what book do i start with to get out of debt and start building the live we deserve?

[@mmp495]

I tune in for wisdom and hope and I always get both. Thank you❤

[@BoltActionBob]

Awesome 'debt free scream' families and stories today! Cheers

[@ekaudo1]

You are not driving the car, the car is driving you...go figure

[@gabrieleden26]

DAVE! By US law An executor HAS to settle said estate within 3 years of death!! Bernie is braking the law😅

[@DonaldRedeemed]

Your source for this would be helpful, because I have researched this for several hours, because I was expecting an estate to settle months ago. Everything I have read even on law firms websites say there is no set time limit, but that 6-9 months is average but some estates can take up to several years.

[@queensprinkles4348]

Delony throwing shade at Jim over the ring because he can't pass up a chance to humiliate men.

[@bbuggediffy]

6 hours is not a fair time limit and is not allowed in contract law. It is called an unreasonable time limit. Guy get a lawyer, Ramsay is out of his element here. 00:03:00 Also this can be argued to have been signed under duress, which also makes the contract not cool.

[@rethinkcps2116]

🎯

[@freenation.podcast]

This was such a great episode ❤

[@freenation.podcast]

Good Biblical information 🔥🔥🔥

[@donaldlloyd5978]

I'm a branded man

[@donaldlloyd5978]

There going to hang me in the morning

[@bettedavis9261]

​@@donaldlloyd5978they're

[@Krazybonejabs]

I wish yrefy would refinance my home loan to 3.9%! Since I have no student loans.

[@Hankjones1]

Sign thee paper‐- Creech and Chong

[@guidodezwaan]

ouch, people calling for money issues; apparently because they can't control themselves now also listening to a commercial for a cruiseship for 5000 bucks a week by the financial expert they value high.... To me that seems so weird and not in place to how Dave is doing in the show. Stopping you from spending money on things you do not need vs. making money out of you by offering an expensive cruise. Rather use that 5k on your mortgage or invest and go on a cheaper holiday...

[@dorotheaanderson9482]

He specifically states their cruise is for those in Baby step 4 and above....Debt free except home with fully funded EF

[@BeeDee-qs9so]

@@dorotheaanderson9482…And you would think people were being Forced to go! 😃

[@kathyharrison8192]

@@dorotheaanderson9482EXACTLY!!!! Everything is not for everyone!! They always include the fact that the debt free cruise are for those who are debt free except their home… live like no one else so that LATER , you can live and give like no one else!!

[@momartinez5260]

The cruise is for callers with million dollars net worth. They call in often because they don’t know what to do with their money.

[@saulgoodman2018]

Frank said that he told her wife she is worth more. Dave say's he didn't? John and Dave say's that she should make more money. These simps. If the wife called in, he would go and say yes, she should get another job. They trying to make it all his fault.

[@queensprinkles4348]

The demographic that makes Dr D money are the ladies who like to hate men. Notice how they blamed the father when the daughter made a bad car decision.

[@tonya3308]

Thanks!

[@kay22100]

The landlords on the first call did them dirty!! I’d pay to break my lease and leave them a terrible review. They could’ve reduced it a little

[@gustavoriosfombona]

No

[@colleengarcia7752]

They need to stick it out for the year then move on.

[@gustavoriosfombona]

@@colleengarcia7752 yes

[@richardclark4383]

Colin from Cincinnati on the debt free stage: Y'all were long distance and she got pregnant? Dude get a DNA test...

[@colleenduffy1139]

Long distance doesn't mean you never see each other.