Recognizing You Have a Problem Is 90% of Solving the Problem | March 28, 2024

The Ramsey Show (March 28, 2024)
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Dave Ramsey & Rachel Cruze answer your questions and discuss:
- "Should we sell our house in case of economic collapse?"
- "I made bad choices and gambled everything away..."
- The harsh reality of childcare expenses,
- Why you have to know where your money is going,
- How recognizing the problem is 90% of solving it,
- Learning how to be disciplined.
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[@rika87sp]

I love it when Rachel and Dave get together 😊

[@angelwings1]

Same!

[@100jakkk]

Omg Dave is so spicy today, it's gonna make my weekend 😂

[@LaurenHYou]

RIGHT! I thought that one lady was going to hang up 🫣

[@dana102083]

Ha ha i think they deserved to hear it..thats what they came for..common sense is what they get if they aint got any in their own..

[@bashful7000]

That lady clearly didn't want help and wasn't listening.

[@worldnomad2301]

@@LaurenHYouThey do not make 160k per year 😂.

[@rosedewittbukater5763]

Rachel is real. she gets it. She's going to take Ramsey Solutions very far

[@DudeMuscle]

Very far down

[@elizabethprocida3695]

At a point in my career I stayed home with my 3 children and my husband worked. We only had to find a way to make 100$ a week to get right back where we were when I worked full time. No daycare, work clothes, lunches, or gas. Invaluable time raising our own children 🎉❤

[@patriciareed559]

Amen! I took a huge pay cut, ripple effect of Covid the plant I worked at closed. They gutted the lab so I went and worked at my kids daycare and got a HUGE discount on child care plus I had the same schedule and would see my kiddos throughout the day. I made friends with their teachers and currently teach the prek class. My youngest is still here so I will be here at least 2 years more. Our goal is to get me home but if we don't my degrees are still viable. I don't mind starting at the bottom again. I know how to make myself valuable again.

[@stacymontero6172]

I quit working two years before our first child was born. We were doing better financially than when I was working.

[@singleparentfire2363]

I love Dave Ramsey! I’m 100% on board with his plan. It’s because of him that as a single mom of a disabled child I’m thriving better than most dual income families.

[@dianavanderley]

The youth pastor that did the debt free scream is absolutely amazing! His attitude towards life and handling the things that have come his way while honoring God with everything he does was so inspiring!

[@ruhhshelle]

Dave is ABSOLUTELY right about the working mom losing money. Nobody thinks about how convenience and eating out goes up because you're EXHAUSTED. Plus professional attire, vehicle wear and tear etc.

[@mjax8614]

I wish there were more part time job options for both parents for those who want to share work, child care and home responsibilities. Life is more expensive when you are short of time and energy.

[@jordanmcmillengolf]

I love when someone calls in and says “we love the Ramsey Show, we are long time listeners, the theme song is basically the theme song of our house” then proceed to say “we are $30,000 in debt on cars and student loans”…..obviously you didn’t retain anything he’s teaching

[@BeeDee-qs9so]

@jordanmcmillengolf 😂So true!

[@purainteligencia]

A long time listener is different then going thru fpu

[@Nigriff]

​@@purainteligenciaeven people who go through FPU go into debt

[@bookwormaribk7614]

😂😂😂

[@bobrockamento7195]

Haha. Which proves Dave's point...Doesn't he like to say smthng about "80% behaviour, 20% theory"?

[@twinklepug]

I think Rachel is the only one that can co-host with Dave, he steamrolls everyone else. 😂

[@princess5993]

True 😂but he has a valid excuse coz he is the founder of all this .

[@mslorileec]

I love the Ramsay Show but Dave, I think you lost it a bit. She's struggling to understand her money and maybe needed just a bit of compassion! Still, I LOVE all that you have to offer!!!

[@macmccollum6064]

Dave needs to go on another extended vacation.

[@ig2965]

he steamrolls her too. he needs to relax a little and let his cohost’s speak or else what are they there for? he just gets too angry sometimes and theres no productivity in the call

[@deyaonsotti9594]

Dave turned red with Ashley. He was right. Her numbers were way off for 160000.

[@ThePolypam]

Are you an income tax denier like Dave?

[@cjs21m]

@@ThePolypamthey said they bring home $3200 a month each. That’s $86,400. So they paid $73,600 in taxes lmao?

[@ohlingerm25]

​@ThePolypam , the income tax total is typically (not in Cali, but in most places) about 30% total (fed, state, ss, med, etc.). This would be about $923 per paycheck at $80,000 per year. This added to $1800 ($2723) multiplied by 26 paychecks gives $62629, not $80000. Benefits such as Healthcare are probably coming out before that, but shouldn't add up to $17371 per year.

[@ThePolypam]

@@cjs21m 26 pays in year and you don't know what kind of deductions are taken at source.

[@seang3538]

@@cjs21m math is hard

[@vikieierdam5516]

Tyler & Jessie are AMAZING! Covid shut down marriage, Covid hustles. They were focused! Crushing it at $169k instead of being lost at $160k like Ashley at 3:39:15

[@BeeDee-qs9so]

Anthony and Susan were just so impressive. Sincere congratulations to them!🎉

[@rosedewittbukater5763]

yes! i want to be them

[@primopilot100]

Racheal we love your dad’s non politically correct answers and his straight forward answers. That’s what makes this show amazing!

[@brendasoucy8180]

So impressed by Jon of Seattle telling his debt free story. This young man has the maturity and wisdom of an old man. Way to go, Jon!! 🎉 you rock

[@user-sw2jk3vo3y]

Keep yelling Dave, at this point callers are overwhelmed, fed up, and need the kick in the butt. Papa Dave yells cause he cares. I'm on baby step 5 thanks to him.

[@rosedewittbukater5763]

That young pastor, he's the man. what a genuinely good guy with a good heart

[@republicunited2183]

I felt happy and positive listening to him. Good for this young man; gives me hope for our youth.

[@sillyblackfox]

Dave was on fire this episode. Great advice on every call! 🔥🔥🔥

[@flashthecorgi2053]

Am I the only one going crazy? Ashley is SO far off. First, she claims her expenses are 4k but then says her rent is 2,300 and daycare is 1,250. That right there is 3,500. Then for a family of 3 I guarantee their food bill has to be be more than 500 a month and then you add on top of that the monthly utility bills, copays, gas, insurance, and other expensed. It HAS to be more than 4k. I’m glad Dave is getting her with a professional because her math is so off. I’m FAR from an expert (In fact, I’m terrible at math and I know there is something very off.) At the end of the day I wish her and the fam the absolute best in getting these finances figured out!

[@ThePolypam]

I am fairly certain she was not counting rent as a bill. 4,000 bills + 2,300 rent + 500 saving is close to 7,200, which squares perfectly with their take-home pay.

[@flashthecorgi2053]

@@ThePolypam That would make sense. I see why Dave was getting so frustrated. Although, he REALLY needs to work on his patience because she was calling him for HELP in a vulnerable moment but her math was so off it was confusing everybody!

[@ThePolypam]

@@flashthecorgi2053 He yelled at her. I don't think I'd ever seen him being so odious.

[@jaijai1132]

I adore Dave, but today he did not display the heart of a teacher with Ashley. I didn’t find it abusive, but I did find it unproductive.

[@gamergeek8933]

@@ThePolypam Oh! Someone worked it out! I was curious about this because I also worked out the 7200 being about right but I didn't understand how they only had 500 a month with 3200 left over after everything. She was confusing and hard to follow. Dave didn't help that situation today.

[@Ninjaflyingpinkducks]

I'm at home barefoot and pregnant and loving it. ❤

[@sx2882]

Ashley and husband will be successful with a coach. They just need to see where, and decide. Dave was MUCH, but so happy he made the offer for free coaching. Wooh!

[@vikieierdam5516]

Related but unrelated, Rachel is lovely

[@Nigriff]

Ashley is either lying or she can't add. 😮 Dave called her out. He was a bit frustrated 😮

[@christinecusano2578]

Awesome to listen to Dave all week.

[@shrtblondie1]

Wow Jon. Very mature young man. Your parents should be proud.

[@traceyrossetti1009]

Keeping it real Dave. I love your personality and advice. Thank you ❤

[@dayrich]

this was so an exciting show. 😂 dave was on it & thats what we live for.

[@ThePolypam]

Abuse and disdain? He was the worst I've ever seen him.

[@ohlingerm25]

Not abuse and disdain. More like an expert on his opinion. If you don't want it, don't call in. But honestly, he is straight up and honest with people. Maybe a little blunt, but sometimes that what people need.

[@Nigriff]

Dave is right... Money makes you more of who you are. 😮😮😮

[@5407wtbrown]

We are SUPER lucky with daycare! Our daughter went and our son currently goes to in home daycare with an absolutely amazing teacher. I’m constantly blown away by all the stuff she does for the kids there. It’s only 5 minutes from our house and only $35 per day.

[@Stephiesma]

Gucci daycare!😅I love Dave and his no bs true honesty!

[@ambivertical]

So much respect for the youth pastor debt free scream. He has riches building up in heaven for sure. His dad story made me tear up at work as to fight to not cry😭 He is amazing

[@lmao1915]

Ramsey viewers are getting SOFT if they think that call with Ashley was harsh. You guys must be new. That said, I bet the $160k includes year end bonuses and I think Dave thought she said $3600 per month when she said every two weeks. Now her numbers are definitely still off and she’s clearly spoilt, but I think those two factors clear up some of the confusion. But I think the big takeaway, honestly, is that anyone making $60K per year and listening to that woman would have the same disdain for her that Dave seemed to exhibit. I would have shut her off as soon as she started laughing to herself - good luck to her, she will probably be in debt the rest of her life.

[@BeeDee-qs9so]

If she wanted to be helped or even understood, she definitely didn’t come to the call prepared with concise numbers or even a concrete question. I couldn’t understand a bit of it. What kind of response did she think she would get? He’s the same tough cookie with everyone.

[@jaijai1132]

Nah! I’ve been listening to this show for years. That particular response was out of character for Dave. He shows tough love when it’s necessary, but this energy seemed rooted in something else. He’s been out of character all week. But, alas, he is human and when you deal with this many people, you’re bound to have off days.

[@ambivertical]

New generation wimps. I’m a millennial. Everyone wants trophies

[@gamergeek8933]

someone mentioned that they think the 2300 rent was not included in the 4000 which puts her at 6300 plus the 500 in savings puts her at 6800 which is pretty close to 7200 which is what she said she made if you do 1800*4

[@Murolo1020]

She was ” laughing“ because she was pissed she couldn’t get a word in. It’s a defense mechanism. What she really wanted to do was yell at him. It’s annoying he wouldn’t let her talk.

[@odessajackson4551]

Who works to pay for childcare.. unless they don't want to be bothered with their own kids..the math ain't mathing!!!

[@auburnanger6679]

I know someone who pays 1200 a month or more which isn't a ton for some, but I know it was more than a full paycheck net. So one pay check a month goes completely to someone so you can work. For her, I think it was to keep her seniority I thought no way would I work full time to give a paycheck away

[@WritingFearlessly]

Gucci daycare!! 😂😂😂😂😂😂😂😂

[@jaijai1132]

Jon is such a beautiful spirit.

[@Iamearlbrown]

Dave appreciates how Rachel holds hIm accountable at times.

[@stevensalter9697]

Since this episode had a lot to unpack about Child Care I feel obligated to remind people of Dependant Care FSAs if you are having child care expenses! This is a huge $5,000 yearly benefit to pay Pre-Tax money for Child care expenses! If you're going to spend over $5,000 a year in daycare anyway, you might as well sign up for this with your employer to use pre-tax dollars. You will end up with more money in total, in your net paycheck + your daycare expense account than not using this benefit.

[@cherylsorensen7204]

Way to go, Wooster, OH! I grew up in the area and drive through every time I go to see my parents!

[@elchapojr6219]

Love the Father and daughter dual so funny Rachel likes to tone down Ramsey Rant 😂

[@amy2284]

With Elizabeth’s situation, I think it may be better for her to stay home with the three kids and watch other people’s kids. That’s what I did with my own children and I also taught them a preschool curriculum. Watching other kids brings in money as well as save her money by not needing daycare.

[@josephwillis4569]

Make sure on Every Dollar budgeting that your bank is one of the available banks before buying a membership. There is a huge list of banks that don’t work on the app right now.

[@miryamishot]

I kind of feel for this lady and childcare, childcare has always been very expensive for those that needed childcare and didn't have available parents to help them. For a long time I had to pay childcare on my own, and that was almost half of my income.

[@stevensalter9697]

Dave was very big mad today lol. This was so entertaining though, great episode!

[@bettedavis9261]

I didn't think Dave was unduly harsh with Ashley. A little impatient, maybe, but she was not clear with her numbers. She and her husband both net approximately $1,800 every two weeks, which "maths out" to $93,600 net/year. That is 58.5% that they take home WITHOUT 401k. I agree with Dave...they have WAAAAY too much taken out for taxes (unless GA taxes the bujeezus out of you). Our income is practically the same, and my husband nets 66.3%, and that's including 401k taken out. Something isn't tracking with her numbers. She wasn't clear if their $4k monthly expenses includes rent or not (Dave thought it did, Rachel didn't, and Ashley didn't clarify). I'm glad Dave is setting her up with a financial coach who can do a deep dive into the numbers and what's really going on. She definitely didn't like Dave pushing back on her, and she didn't seem open to his numbers. If they didn't jive with hers, she should have told him...well, in between him cutting her off.

[@motoryzen]

I apologize I'm having trouble understanding your figure involving both the husband and wife netting 1800 every two weeks does that mean each of them gets a paycheck for $1,800 every two weeks or is that both of them combined? Because if it's both of them combined then that equates to 46,800 I also couldn't help but notice adding to my confusion here that you didn't post a timestamp. What is it about all you commenters here on the Ramsey Solutions videos that is a full show episode that you never post a timestamp involved in your comments? It's a 2-hour Plus show post a timestamp so people can quickly reference what you're talking about and be able to engage in intelligent conversation about it

[@bettedavis9261]

​​​@@motoryzenI 'm sorry I confused you when I said they both earn $1,800 every two weeks. I should have said they each earn $1,800 every two weeks, or better yet that she earns $1,800 every two weeks and he earns $1,800 every two weeks. That means they earn $3,600 combined every two weeks, which translates to $93,600 net/year ($1,800 + $1,800 = $3,600. $3,600 x 26 pay periods = $93,600). Does that help your math? I'm so sorry to have not been clear enough for you. 1:01:00 is a timestamp in the middle of the call. I apologize for offending you by not putting it in my original post.

[@BeeDee-qs9so]

Meanwhile, as Ramsey show fans everywhere are frothing at the mouth over Ashley’s “mistreatment,” her budget and income details and her potential trauma from her interaction with DR, Ashley herself has forgotten the entire incident and is carrying on with her Easter dinner take-out plans. 😊

[@motoryzen]

@@bettedavis9261 you didn't offend me I was just pointing on a simple fact that it originally you forgot to put a timestamp and that you didn't clarify what you have now clarified so I'm not butthurt here I'm fine regardless 😆

[@bettedavis9261]

@@BeeDee-qs9so 😂😂😂😂

[@princess5993]

I get goosebumbs every time I hear the debt free scream. Proud of them. Thank you Dave!

[@RPMcMurphy33]

Sometimes it does make sense to keep a spouse home. That’s what we did. With one spouse at home, it significantly cut our costs and now one of us stays home and cooks all the meals. We’re doing better now with only one spouse working than when we both did. We’re actually getting out of debt this way. It just depends on each household’s needs.

[@Trustbutverify2651]

Emily , then when things start going south the spouse who is working begins to reaent the spouse in school and the marriage falls apart. Opportunity arises often, good marriages are rarer.

[@privacyplease1556]

First caller wanted his ego stroked. He didn’t have a real question for Dave. He just wanted Dave to validate him.

[@Nigriff]

Yep

[@Mark-jb1fj]

Hahahaha yup.

[@lindseydickerson9888]

sorry he's right even with high taxes she should stull be bringing home after taxes 3k MINIMUM per month additional on top of the numbers she told him. its simple math. take hone of 10k a month after taxes=120k she was saying they make 160k before taxes but told him she only had 50k of expenses per year tht doesnt add up!

[@motoryzen]

11:55 to 12:09 while I completely agree with Dave's point there involving make trying to reach the point of not getting anything back as a refund and not owe anything in taxes. That is virtually impossible because if you work any job in which you might be forced to work any amount of overtime then depending on the amount of overtime hours total that year you may end up in a different tax bracket and still end up either owing or chances are getting a small refund. Nothing is perfect. Don't beat yourself up if you end up getting a refund less of 200 bucks or owing $200 or less. In my opinion that means you're doing pretty damn good for any income that's above 20 grand a year

[@paulpaulxpaul]

for those wondering. the lady who called and said they have a household income of $160k made no sense. their combined take home should be around $8 or $9k a month after taxes. w $4k in bills and $2k for everything else they should have around $2k-3k w mo left to pay off debt which is why dave sounded annoyed with the call.

[@auburnanger6679]

Definitely. She did start talking about savings which i bet if she had a bunch of stashed cash she could be debt free. He gave her free coaching which she will need

[@BeeDee-qs9so]

Noah is going to try what’s called “the geographical cure” for his gambling addiction. Hear what Dave was telling you; wherever you go, there You are. Please seek help, Noah!

[@MaMa-jh6bb]

You need to make the choice to change to get a better your life.

[@lilzsac]

7200 a month after taxes . . There's no way you make 160k. She's confused on how much they make

[@motoryzen]

It would have been nice if you would have mentioned a time stamp in this video so that way others could quickly reference what you're talking about. But I agree with your point in that that math does not add up because 7,200 per month * 12 months is less than $90,000

[@lilzsac]

@@motoryzen ya I should have my bad. It was a caller trying to say she had 4k in bills each month but only 500 left over each month and they make 160k and Dave said that she's missing 100k somewhere and then she said their checks are 1800 every 2 weeks which is not 160. She must have confused 80k each with 80k total

[@pisicacutecat4869]

The time stamp is 3:40. The callers name is Ashley ​@@motoryzen

[@janetwilliams1153]

I can so relate to spending in excess when you are bored.

[@purainteligencia]

Ashley comes in and says we make 160k per year, as of this year?!?! We're barely in the 1st qtr of this year. She should have talked about what they make per month.

[@dorisaruti1627]

I loved the family from St. Louis!!! Congratulations!! Way to go!!

[@10nurse29]

Rachel- “Can you say that? “😂

[@Nigriff]

As a verb, to bitch, I guess it is ok. As a noun, perhaps not.

[@jakemustian99]

1800 every 2 weeks times 2 is 7200 per month which is 86,400 per year. Where is the 160,000?

[@pisicacutecat4869]

Well done Jon from Seattle!.🎉🎉🙏🙏

[@nickeubanks7675]

Rachel’s face when Dave said “bitch” priceless hahahaha

[@cherylknight8239]

Fantastic show 👏 👌

[@nikki4911]

Great show

[@cattydcat8716]

Ashley was saying quite clearly to me that they had recently gone up from 100k to 160k gross. Dave seemed to be assuming that she had been living on that amount of money for longer than they had. I don't actually think he heard that bit, he made an assumption. If they had been living on that for a while, then he would be correct in wondering where the money was going. That's the way i heard the call.

[@mimisss9391]

At 10:30 what Rachel says is something I realized at like 15 years old. Taxes are always there in many areas.

[@josephcepulo6464]

NO MORE ASKING ABOUT GROSS PAY!! A solution for Ramsey Solutions. . . . . ONLY ask a caller what they bring home each month! "How much money hits your bank account each month?" Your phone screeners need to make sure each caller has this info calculated and ready BEFORE the call goes through to Dave. (If the caller works on commission or tips, a monthly estimate needs to be calculated.) Dave routinely underestimates for taxes and health insurance withheld, and he is too frustrated these days to deal with any call involving gross pay. Just make it easier for the hosts, the callers, and the listeners by dealing with monthly NET pay. Maybe then we can avoid the callers who laugh at Dave and waste his time, and also avoid comments from listeners who believe that a raised and impatient voice is equivalent to "abuse".

[@motoryzen]

I could not agree more because in the end the taxes must be paid one way or another. So there's no point in assuming that if you make $18 an hour you're going to bring home 37,000 a year take home pay that's nonsense in the United States of America without facing prison or jail time and in the end you're still going to have to pay taxes back

[@notgivingmyemail3381]

The hosts definitely fail to account for taxes a majority of the time. It would be beneficial to talk about gross pay minus taxes and health insurance, but just talking net pay by itself may not be the answer. It can fail to take several factors into account. Things like 401k deductions, allotments to other accounts, and wage garnishments could be overlooked. It would also throw off their calculations for “anything with wheels or motors” ratios.

[@amireallythatgrumpy6508]

Most Americans don't know that though. They only know their gross pay.

[@Trustbutverify2651]

@@amireallythatgrumpy6508 Do they never look at their actual paychecks?

[@Trustbutverify2651]

Totally agree that the snowflakes call way too many things "abuse" and "bullying"

[@kristinehennix1818]

5 to 7 miles walking Dave??? That’s a lot! Good job!

[@user-zf7dx9po7d]

“This is hilarious” was so annoying. Like lady, you’re not understanding 3rd grade math

[@nailatiylluf]

No Dave doesn’t understand taxes she’s absolutely correct to laugh at him telling her she’s wrong with no knowledge of her pay.

[@sillyblackfox]

Yeah, that Ashley lady should have gotten her numbers right before calling in.

[@ThePolypam]

She was laughing in disbelief of his abuse.

[@sillyblackfox]

Maybe it was because she suddenly realized she wasn't making 160k a year before taxes lmao. You can say abuse all you want, but all I heard was Dave shutting down someone who didn't want help even though they called in.

[@seang3538]

@@nailatiylluf yeah Dave Ramsey doesn't understand taxes. LMFAO you can't be serious.

[@jaylisjayla]

In CT there is a shortage of homes as far as the buyers looking to buy! Market is just fine!

[@Jetup24]

Why was the show 5 hours today? 😮

[@ThePolypam]

Because they tried to edit out the HORRENDOUSLY ABUSIVE call with Ashley but left both versions up.

[@rosedewittbukater5763]

i was wondering the same thing

[@lmao1915]

HORRENDOUSLY ABUSIVE lmao snowflake much? I’m sure MSNBC is on if you’d prefer

[@fotochikyo]

Ahhhh

[@myoldvhstapes]

@@ThePolypam : I disagree- Ashley's call is the same in both shows at 55:45 and 3:39:14.

[@Trustbutverify2651]

In evaluating the cost of chilcare and two incomes, one of which is low, also consider tax implications which can be lower when reducing to one income

[@jay1ws1]

When the economy crashes. Having real estate will be a great asset. Yes, it will suck for some time. All money (fiat) will be worthless. But, once the transition into the new (monetary) system happens, your real estate will be an asset.

[@jay1ws1]

Hold onto your homes.

[@jay1ws1]

Precious metals (in hand) may also be a great thing to have. Since their will be a conversion rate, from precious metal (limited resource) to the new monetary system currency.

[@ngauyoujin1163]

First caller Shane : That's what I said too *sigh* 🥲 feel ya 😂

[@Ron-gc1of]

I heard Winston (Rachel’s husband) answering real estate flipping questions on her IG channel and he said he has a partner/friend (50/50) on his flips. This is a Dave NO NO… the ship that won’t sail is a partnership, Dave Ramsey quote.

[@Trustbutverify2651]

I think they're all big boys and girls and can make up their own minds. Dave is not a part of the Holy Trinity and there are other ways to do things. He even said that he does not agree with how his adult children and their spouses do things at times, but they're adults. Time for hands off, Mom and Dad. You did the raising - now just do the loving and let them learn their own lessons.

[@Trustbutverify2651]

They need to tell people to watch the budget even if they end up moving some dollars from one category to another. Balances in bank accounts will mever be an exact match with the Every Dollar.

[@monicalifornia_]

favorite duo

[@americanmade36merica99]

Ramsey Solutions Daycare cut the monthly cost by even $500.00 - $800.00. You'd do well and help lots of families. God bless you all there at Ramsey Solutions, ALWAYS GREAT CONTENT, LIFE, & FINANCIAL ADVICE.

[@jaijai1132]

I think Ashley deserves some grace because she kept trying to say they just started making $160k this year. I would feel differently if they’d been making this money a long time and were just squandering it, but that’s not the impression I got.

[@Nigriff]

She called in to The Ramsey Show to get advice but was clueless about her finances. Dave called her out. Either she is lying or can't do math. Hopefully Dave inspired her. Some people need a little push.

[@Nigriff]

The US has become too soft. 😮

[@MarnaCOG7]

3:42:38 "This is hilarious." I get her attitude. I think the big problem was she word "bills." Dave keeps saying people with no debt don't have any "bills." To me, and many people, "bills" are your basic monthly obligations, including home and car insurance.

[@moneykid23]

Dave was on one for this one 🤣

[@sx2882]

@3:56 program goes dead for 10 minutes @4:06, the repeats. Hope it's fixed to come back.

[@cominghomewithsusanne]

1:15:10 Discipline

[@jennifergrooms4153]

The call from Ashley from Savannah is why I love Rachel and have a hard time listening when Dave is on. She called for help and this is the way he talks to people. Rachel has to tell him to quit. He is not a good example of how to speak to people to his daughter. Or anyone's daughter. Rachel is so much more kind and empathetic in her responses. Which helps people more. LOVE YOU RACHEL!

[@Nigriff]

Ashley called for help but wasn't ready. She was either lying or can't do math. She Said they bring home $7200/month, said they only have $500 left after paying bills, but said they only had like $4000 in bills. Where is the other $3000 going each month?? Dave called her out.

[@robertmillikan600]

Agreed. Dave has become a grouchy bully.

[@pamsmith1665]

Shane is whipped

[@rosedewittbukater5763]

Gucci Daycare 😂😂😂😂😂

[@caseyz7993]

Update Shane: housing market has not collapsed. Just FYI. Almost 6 months later and hasn’t crashed yet.

[@artscommercials]

Congratulations

[@isiah675]

What bills?!? You dont have ANY bills!!! 😂😂😂

[@joyodonnell5753]

20 mins in the middle of the show is missing. Just a black screen.

[@nmd14723]

Every time I watch a Ramsey video I can only think of one word ‘Amway’ 🤦‍♂️

[@BecomeDebtZero]

Rachel: “ 😲 “can we say that?”

[@johnandhattie6133]

I have never left a comment. What is one comment in the vast morass of the internet going to do? And I would love to have only positive things to say, because I follow Ramsey principles and enjoy the show, but sometimes we all need to be (gently) corrected. Dave: let every man be swift to hear, slow to speak, slow to anger. Speak truth in love. It might make the show less entertaining to some, but it is worth the cost.

[@maggiequintanilla2533]

Why is Dave like the ornery nun always scolding everyone? Can we have Rachel run the show already?? 😂

[@brethitmanhart275]

Why are there 2.5 hours of title screen at the end of this?

[@motoryzen]

😅 there isn't 2.5 hours of just title screen after the first one's over because there's more content had you actually time skip through but I do empathize with your point that there was a lot of downtime and it doesn't make sense for this to be a 4 hour and 40 something minute video clip the editors had a brain fart here

[@LittleMopeHead]

55:47 Dave can't even with this caller.

[@cjs21m]

“CAN YOU SAY THAT”

[@Nigriff]

As long as no one bitches about it 😅

[@coachclaudiawith_hope]

Sounds like you’re on the money. Maybe beginning a budget with the every dollar ap.

[@jordanramseyer]

I don't understand how he says just to not pay taxes? You have to pay taxes out of your check and usually that means you get a refund...

[@kyliemagitz2641]

I don’t understand the tax stuff. How do you adjust your taxes? How do you figure out the deductions?

[@JimHerman-o3q]

I think Dave is relating to saving money. Adjusting taxes / deductions dont have a lot to do with anything. Just save money !!! Stop spending !

[@kyliemagitz2641]

@@JimHerman-o3q no he is. He said you shouldn’t get a big “tax bonus” when you file taxes and he explains how to avoid that by taking less taxes from your check. But idk how to request that

[@MONI-bj1ms]

go to HR and change your w4 form

[@kyliemagitz2641]

@@MONI-bj1msthat’s the confusion. How or what do I ask to change? I did some research but still confused

[@MONI-bj1ms]

@@kyliemagitz2641 claiming no dependants helps. If they can't give other advice, I'd seek a tax person or order forms from IRS. I think they still offer schedules at the library

[@mmp495]

love this😂 44:01

[@TheJghan]

"Gucci daycare" 😅🤣😂

[@rickybabineau7904]

Dave ramsay bald guy 😂😂😂 why did he have to add that 😂😂😂