Get Out of the Cycle of Debt and Choose Peace Instead | December 5, 2024

[@gamersetherealjourney]

caller 1 - 3:35 caller 2 - 10:55 caller 3 - 21:55 caller 4 - 34:20 caller 5 - 38:10 caller 6 - 43:55 caller 7 - 1:12:00 caller 8 - 1:17:25

[@regina4538]

lol

[@chief5981]

Haha, do you get paid to do that?

[@inditech6961]

@@chief5981 God Bless you

[@rbellamy804]

Not all heroes wear capes

[@YHWHMessiah777]

Yess please keep doing this

[@rschmidt9495]

“Before you do that, why don’t you not do that” lol I’m gonna steal that one

[@gracekennelly8534]

I love you guys!! Been watching Dave for 7 years now. I’m 65 a disabled woman, whose husband suddenly passed away 7 years ago. I learned so much from Papa Dave about $$$! I’m now debt free, and I own my home 🏡. Thank God ❤

[@Jseppp]

I’m glad I found this channel. Keeps me thinking of my actions

[@patchworkfarms5327]

I love it when Papa Dave and Dr. John have their Protective Father momens! 😂 Makes me feel so good when good, stand-up men call out the slimey, awful dudes!

[@Trustbutverify2651]

I would rather hear both sides of a story before name calling a "dude." There are a LOT of slimey, awful dudettes, too - about as many as the dudes these days.

[@Lovingmylife24]

The steps gotta accept it. We all think we deserve a piece of the pie when people pass away and leave an inheritance. I don’t think you should feel bad about not sharing. The people that passed away didn’t include anyone else except who they left it to. We have to accept it and if people choose to share with us it is an act of kindness.

[@pameladaffon525]

Lol “i think i have too much coffee.. i think i need to calm down” I love their reactions to the con boyfriend.

[@KiciaKocia88]

The entitlement of someone else’s money is strong with this one

[@stanmb4646]

CHOOSE YOUR HARD 👏🏿

[@Sj-_3]

Last two episodes Dave’s been calling middle aged men “honey” a lot

[@jimsmith9717]

lol

[@kevinsmit432]

He's a granddad and father, it's sweet how caring he comes across.

[@aarontate-moore893]

when youre 64 middle aged men seem like children and hes from tennessee

[@bettedavis9261]

He does it all the time, and he has for years.

[@aidanealy5078]

Don’t say anything bad about papa Dave he’s a legend

[@Americano213]

David ramsey has a great personality and he is a pro, the other hosts need more training.

[@tomschumacher6655]

This show is one big ad and then ads on top of ads.

[@Zee-zj2uh]

They're also on the radio, and that's how they pay for air time😊

[@ELevenhagen]

Not true-it's sound advice- if you just get your mortgage through Churchill Mortgage, refinance your student loan through yRefi, and get unregulated fake health insurance through Christian Healthcare Ministries all of your financial dreams will come true!!!!

[@ericbarber6061]

It's a free 3 hour show, with 1000 employees. They gotta pay their people somehow

[@ELevenhagen]

@@ericbarber6061 yup! Selling mortgages, debt refinancing, and fake health insurance. Nice

[@michbran81]

Yeah… that’s how radio and television works.

[@kevinsmit432]

First time I think I've heard Dave mention REITs. Nice.

[@bettedavis9261]

He's mentioned them numerous times over the years.

[@AnayaChiles]

If the brother was still alive how would the judge see this? Would the judge have split 50/50 at the divorce settlement? How long were they married? I hope the family can heal from their loss.🕊️

[@Ak32235]

Great show ❤

[@reneeantwi-boasiako3974]

Didn't know Dr John was a Lecrae fan ❤

[@isidorolopez265]

WHO IS LACRAE????

[@reneeantwi-boasiako3974]

@isidorolopez265 Christian hip-hop artist

[@wichoflores9922]

The more your house increases so does your taxes 🤷‍♂️

[@deannahardemion2071]

Dad who was married to the 2nd wife for 16 years and dated for years beforehand and didn’t leave the “steps” any money is fine. However, if I inherited 3 million I would share some of it .. $50,000 per step is a kind gesture if you want to give … Live and GIVE like no one else.

[@Scarface_445]

It required, but a good grace. However, her reaction is what would make me say NOPE. Crying and saying “why can’t we just share” sounds entitled af

[@kellyhou9594]

The problem is how much is fair to share

[@hannah4726]

Dave is rallying! Love when he’s on the show so frequently

[@zennsyan]

The raptor mileage post, epic

[@HÀNHTRÌNHKHÔNGTÊN]

I love you ❤❤❤❤❤

[@Datavendor3]

Thank you Lord Jesus for the gift of life and blessings to me and My family $14,120.47 weekly profit our lord Jesus have lifted up my Life!!!

[@Vickicankor]

As a beginner what do I need to do? How can I invest, on which platform? If you know any please share.

[@ElizabethMary-e5n]

Investing in crypto/forex is a good idea, a good trading system would put you through many days of success.

[@MarcSmith-iq5qh]

Investing $15,000 and received $174,000

[@johnfrederick2944]

Same, I met Mrs Maria Daviz last year for the first time at a conference in Manchester, after then my family changed for good. God bless Mrs Maria

[@najaatudauda5804]

Please who is Mrs Maria

[@MatthewFloydMarston]

1$ USD to 1$ francs = 2.85$ USD = Rtax return of 20.000$ USD quid Rtax return = 98.000$ USD

[@hillcountry_homemaker]

My husband just left me pregnant with baby #3 too… wow she did it!!

[@regina4538]

48:16 I can’t talk to u u got to much money 😂😂😂

[@beefandchicken]

Tis but a scratch!! 😂😂😂

[@hdsensing]

Ugh...Mix 92.9 starts Christmas music nonstop right after Thanksgiving till Christmas. That means that I stop listening to them for that month.

[@cristianm6706]

Do Ramsey team have a HR team? Damn John and Dave poke fun at Kamal every chance they get

[@barbie3139]

I love it when they do that! It's not due to her gender, it's due to her policies. We all can agree to disagree and be great friends! 😅

[@Leo9D4]

No-one asking questions about the steps mother. She could have taken assets into that marriage and built wealth that should have been passed to her kids. She could have died a couple of years before her husband, he inherited everything and then he dies and passes everything to his own kids. This woman could have sold a house to set up home with her husband and put her money into their shared asset and her own children are now not seeing a penny of what their mother worked for. Very possible that this is the case.

[@adamaerni4020]

I think the one gentleman was wrong for even discussing his inheritance with the step-sister. It's not like she could help him with the problem with his brother's ex-wife. If one family member receives an inheritance and another doesn't it's better to avoid discussing it if you don't have to. I also wonder if there's more to the story. Did the father take care of his wife, or just leave an inheritance to his sons

[@PrincessLolly1]

The man who was left a few millions by his wealthy father SHOULD NOT be talking to all these stepfamily members about his inheritance. If he is in fact that close to the stepsister, and/or his Dad was, then maybe he should consider gifting her some funds. It’s sad his brother has passed and he has to deal with the brother’s wife. Sounds like the divorce wasn’t final so she’ll get the deceased brother’s (her husband’s) estate.

[@hiekjevanlaarhoven1887]

As I heard it the caller wants to share with his stepsiblings, but he wants to give away the inheritance of his brother. He said: why can’t we all just share. And the SIL cried. Because he wants to give away HER money. No no. If he wants to give away HIS inheritance he can do that.

[@wichoflores9922]

He’s getting half doesn’t matter who paid . I sold my pre marriage home she talked me into putting her on the deed she got half 😢

[@CF-ji1oj]

Not necessarily, it depends on the laws of their state and other extenuating circumstances

[@2dodger2]

Why can’t I turn on the captions?

[@libertyforever836]

What we use as payment in the United States is not money. It is fiat currency. It is borrowed by our government, from a private bank called the federal reserve at 6% interest. That’s why across the top of your currency bills It says federal reserve note. First year law student knows that a note is a debt. We don’t use money in this country to pay for things, we use borrowed debt. That being said, anyone who listens to Dave Ramsey is akin to listening to a self proclaimed car mechanic who doesn’t know the difference between a steering wheel and a tire. He thinks they’re the same because they are both round.

[@MatthewFloydMarston]

May I have a job, Sir❤ Uncle Sam David 🙏 ❤

[@rosalbadelriogarcia9598]

Caller one has four kids. If she stay put at the highest worth property the judge will consider the future of the kids....or stay put where she's at with her kids and have the jidge split

[@rosalbadelriogarcia9598]

Tha most expensive property and ask that all bills get paid from that sale. Love Dave!🕊️🙏

[@2dodger2]

Captions?

[@bettedavis9261]

1:14:34 unless his daughter and SIL told Patrick in Orlando if they borrowed money in the future, how would he know? Technically they could get a paid for house now, borrow money in the future and never tell Patrick. Not everyone shares their financial situation with friends and family. I'm not suggesting they would do that, but it could easily be done.

[@ashleydodd9145]

The rule is they never barrow money again from Patrick.

[@bettedavis9261]

@ashleydodd9145 I'm aware. My question was how would Patrick know if they borrowed money in the future if they didn't tell him. I'm not condoning that, but it could happen.

[@reyrey992]

I dunno about sound, but do it if you want to, he can't nor does control you

[@lakeishawatkins-adebayo3131]

She wants you to tell her how to scam her husband. You picked him hun.

[@ericbarber6061]

Anyone else here from the 3rd hour where Dave gets upset with caller with bitcoin?

[@TulsaDude]

For Jenna and her BF, maybe he was just suggesting this? You guys are acting like this guy held her hostage until she helped pay off his student loans. Maybe they plan to get married and he was just getting a plan together. I got no vibes of a con artist or leech lol.

[@KariAdams-l5t]

It's "mileage" and not "milage".

[@TulsaDude]

It's my lage

[@ELevenhagen]

First call is Dave selling debt! Lol

[@Joce123]

Im a debt collector for Target.Along with my colleagues we are degreed..Christian..smart..kind..I help people solve their financial challenges ..No incestial marriages for any of us. SOME OF THE DEROGATORY STUFF YOU SAY ABOUT DEBT COLLECTORS..OMG. STOP IT.!!!

[@YouMissedBro]

Get a real job

[@queensprinkles4348]

I agree. The card holder failed on their promise to pay. They are essentially thieves and broke the commandments. DR should shame them.

[@notgivingmyemail3381]

He hates debt collectors and yet he endorses one (Yrefy).

[@2dodger2]

My life experience tells me that Dave is exactly right when he describes the people who become Debt Collectors.

[@johnparker4484]

Chill out homie

[@JustinLarmore-t9t]

John is my favorite pseudo-counselor

[@profileprofile7028]

Deloney is so c r i n g e

[@whiteboyangel4838]

Baloney

[@amairiquinfra7449]

Virginia, it's suck in all aspects.

[@sXePunkV2]

Oh Madeleine 🙈

[@TulsaDude]

Madeline, do some homework on finances, watch George Kamels videos and learn the basics.

[@Trustbutverify2651]

Jared's call - Clearly the steps were not adopted or they would have also inherited per stirpes. Adopted kids inherit at the same level as biological children.

[@bettedavis9261]

Doesn't it have to specify per stirpes in the will? My parents and in-laws both lived in the same state. My parents didn't have per stirpes verbage in their will, per our request, as it would have royally screwed over our disabled son with regards to his SSI, HCBS and Medicaid if I predeceased him. My in-laws didn't honor that request. Fortunately (inheritance-wise only), both of my in-laws passed away prior to my husband, so per stirpes didn't apply. Only the house and household goods were per stirpes, all investments had beneficiary designations.

[@Trustbutverify2651]

@@bettedavis9261 I think that depends on the state. In Virginia bios and adopteds inherit equally UNLESS a child is specifically disinherited by name in the will or a codicil. Per stirpes is written in the will in the event a child of the parent dies and the grandchildren then would inherit the child's part. I apologize for not making myself clear - I was primarily responding to the discussion about whether adopteds inherit at the same level as bios.

[@bettedavis9261]

@@Trustbutverify2651 thank you for the clarification! My sister and I were listed as the inheritors in my parents' wills, but there were no per stirpes stipulations regarding my son's (my sister has no children). In my in-laws' wills, each of the three sons' names was listed, followed by per stirpes. I just remembered having discussions with both sets of parents asking them not to leave anything to our youngest, disabled son, as it would mess up his SSI and Medicaid benefits.

[@bettedavis9261]

@@Trustbutverify2651 thank you for the clarification! My sister and I were listed as the inheritors in my parents' wills, but there were no per stirpes stipulations regarding my sons (my sister has no children). My sister and I were also both listed as successor co-trustees in their trust. In my in-laws' wills, each of the three sons' names was listed, followed by per stirpes. I just remembered having discussions with both sets of parents asking them not to leave anything to our youngest, disabled son, as it would mess up his SSI and Medicaid benefits.

[@tlberg7231]

Why not Jenna give her 6 months to tell her guy to say off what he can and see how he does? This will show if they are on the same page.

[@TulsaDude]

Or just say our finances won't be combined until we're married, that's one of my core values. If the other party doesn't respect that then maybe don't get married

[@phyllishutchinson9410]

How do they decide who gets financial peace, university and who doesn’t?

[@brandonripperger8913]

Lucy sounds entitled and I’m happy this guy is going to get his fair share cause I don’t buy her victim role.

[@Trustbutverify2651]

Uh, no - see you next time.

[@mflee3772]

Good ol john dephony

[@spaceman7922]

How so?

[@mattlaeff724]

The perpetual use of the 'word' Ya'll, that this program uses is appalling and grammatically wrong.

[@Nigriff]

Dave still doesn’t understands Bitcoin and it's at a record high over $100,000. I bought it at $11,000. He's preventing pei People from Prosperity. It's aound advice to invest in some Bitcoin and gold... both are near record highs

[@amireallythatgrumpy6508]

The number of people on Earth who understand Bitcoin is exactly zero.

[@americanpropertystars]

So your advice is to invest when the commodity is at record highs?

[@Vash610]

So many people are against bitcoin but soon or later cave in. Dave should be more open minded.

[@HaveANiceDay108]

100%. People who listen to this boomer won't be truly successful. Avoiding bitcoin is the biggest mistake they will make in their lifetimes. Thinking that 100k for btc is expensive shows complete ignorance. With perhaps 2% global adoption and a tiny 2 trillion market cap (compared to 900 trilling in global assets), BTC is grossly undervalued and has an easy 100x ahead of it. Fair value for BTC is around 10 million to 20 million in today's dollars. There is a good chance we'll hit 500k + in 2025 and 1 million by 2028.

[@amireallythatgrumpy6508]

@@HaveANiceDay108 There is an even better chance that Bitcoin will not exist at all in 2028.

[@senorgringopapi2059]

Buy and hold bitcoin folks.

[@MatthewFloydMarston]

1$ USD to 1$ peso = 65 cents × 20.000$ pesos to British Pound Rtax 24% = 366-1 12 6 7 = Rtax Return = 70.000$ USD quid in pesos =

[@MatthewFloydMarston]

Terriff at 89% GDP Rtax 24% = 6 366 - 1 12 7 = x = $980.000

[@TulsaDude]

1+1=3

[@Leo9D4]

No-one asking questions about the steps mother. She could have taken assets into that marriage and built wealth that should have been passed to her kids. She could have died a couple of years before her husband, he inherited everything and then he dies and passes everything to his own kids. This woman could have sold a house to set up home with her husband and put her money into their shared asset and her own children are now not seeing a penny of what their mother worked for. Very possible that this is the case.