Take Control of Your Life! | December 21, 2023

The Ramsey Show (December 21, 2023)
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[@perfectlymprfct]

We paid off the house in March 2023. This year we were able to invest over $50K and save over $40K. We will never use debt again. BS7 is the way to go for us. We had hope. 🎉

[@mariamarquez3132]

Congrats 🎉

[@heavensmith4415]

Great job sis!! This is amazing!

[@yeritzadelgado2191]

🙌🏻🎉🎉

[@Cravz69]

Fantastic, keep it going!

[@karl2582]

Well done👏👏👏, make sure to spread the word around your immediate circle, trust me is hard to make people think the long run with this credit based society. 👍👍💯✔

[@kay22100]

I love how confident Jade is. She doesn’t shrink back because she’s with the boss

[@curiouscat3384]

Well Dave obviously likes and respects Jade a lot. They practically finish each other's sentences :)

[@andrewlovesu1]

Nmn😊q

[@andrewlovesu1]

QQ

[@andrewlovesu1]

A21

[@karl2582]

Great duo, 👍

[@celinedignard61]

Debt free here too!!!!! Love your show...your no non sense kind of approach is right up my alley! 😊❤

[@YesiIbarra]

I never understood why my colleague’s parents paid for their college. Most didn’t seem to appreciate it. They bought their $5 frappes, went out to drink on fridays, and then complained they were broke. I am GLAD my parents did not pay for my college. It gave me better work ethic and value for my efforts.

[@2012goodjoke]

I tell all my friends about you Uncle Dave! I love the content!

[@BeeDee-qs9so]

I’ve never been impressed if a guy had an expensive vehicle because I always was wondering how much he owed on it. What did impress me though, was HOW they looked after it! Was it clean and beautifully kept? Pride of ownership and respect for the value of one’s own hard work says so much more about integrity, to me. Not concerned about the age or make of it. Not all women are swayed by flashy stuff. 🎉

[@brookelondon8029]

I'm with you. And I can't speak for all women and men, but I have no idea if the car you're driving is new, one year old or 10 years old. A car that's maintained and waxed and clean always looks brand new to me!

[@curiouscat3384]

It's really just guys preening their feathers in competition with other guys , lol

[@corychecketts]

You’d love my 2001 LS 430! People love it.

[@curiouscat3384]

@@corychecketts Sounds lovely but how's the fuel efficiency?

[@bluebelle9572]

My mechanic uncle said it’s not the paint job, it’s what’s under the hood.

[@sp-tn9yt]

I feel for Cliff. I had the same issue. My ex-husband pays zero towards college for our children, despite earning well over 6 figures. It's a really difficult situation. I work full time and a weekend job to cover the costs. I feel really torn because I don't want to drag my kids into it but it feels so unfair that their father won't make any sacrifices for them. Cliff- selfish people will reap what they sow! That is our only solace

[@DeeDeebing]

I had a parent like that. You have to operate as if you are the only parent to the child and accept that they may just be there in their body but not in investments. The emotional hardship will pass when you accept that it's just you.

[@Elizabeth_lowkeyluxuries]

Why doesn't he want to contribute? Is he paying into retirement, do you all have debt, did he pay for his own education. Just curious

[@momosan11]

Why is she selfish? He acknowledged it was not contractual, the son is grown, and she DID assist previous years. How is she selfish if she cannot afford it for the first time and honest with her adult child about her financial situation? Clearly she doesn't want to speak with her ex if he has to send a "nice, business style certified letter" to her about a situation that literally has no legal standing to him or anyone. It's delusion to think all parents pay for college education, as Jade mentions student loan debt of $250k her and her spouse had. He states she never responded to the nice letter, then he calls a public show to try to bully her that way. Of course he will tell his son he called, creating the "see even Dave agrees she is wrong"...which in turn the son will say something to the mom...which may actually damage that relationship. She did the right thing by addressing her adult son about the situation. Appears she wants the ex spouse to leave her alone.

[@snowrulesnate]

I make 6 figures and have 5 kids, none of whom I pay for their college. I pay for food, shelter, bought their first car and always instructed them they’re responsible for their expenses for college, or, even better, try choosing a trade you can start working in right away or have any college reimbursed. My parents didn’t cover my college, I earned my way through the past 28 years to a BSN while my employer covered my tuition.

[@Truckerdaddy]

I make $80k a year and I'm not paying for their college. My oldest son is autistic and not in a good way. My youngest son barely passes and he's in the 6th grade with resource classes. My daughter might be the one to actually go but I'm not gonna pay for it. I'm a firm believer of earn your own way

[@curiouscat3384]

Rents in Greensboro are $1000-1500 in modern complexes with amenities. But Kyle can find something in the $750-850 range in older neighborhoods no swimming pool or gym, even a small house. Just depends on the neighborhood.

[@billscruggs5170]

I love Jade and her laugh so great!

[@heidicoffman3762]

Loved the phone call with Isaac! That’s why Dave is who he is. My beef with Jade is she’s obsessed with separating moms and kids to go to work. Now as hustling mom myself I don’t have a problem with telling moms that they can do allot while at home but she’s constantly not considering the value of being a home economist and the cost of child care.

[@Teeyah2]

I respect your opinion, and of course, you have a right to one. However, when you're in a financial crisis, you have to pull out all the stops. It's not fair for you to represent Jade as if she is heartless and does not respect at home mothers. She's trying to help them come up with a solution. If there are relatives that can help with child care, then Mom can help contribute to getting the bills down. Remember, her husband called the show for help because he and his family are in crisis. Just saying.

[@dropoutandretireearly1781]

DAVE AND JADE ARE THE BEST TEAM YET !!!! always a ton of fun to listen to these 2 !!!!!

[@kimm3473]

I agree!

[@Bumblebee-jl3ur]

They are my fave combo now too

[@carolannstevens5814]

I love Dave & George as Jade interrupts a bunch!

[@dylanoverturf6043]

Jade is obnoxious

[@davidwolfe7777]

Jade and Dave and Jade and Ken👍

[@tractorguy207]

My advice to Isaac, if you can get into a parts department within a dealership. If you are dependable, hard working you could make $60k plus with the one job and continue to work at the weekend job to get your debt cleaned up. I've worked at a dealer for 12 years, and they will reward those who put forth effort and take care of the customer.

[@robertaphilbrick2393]

A man with a house is so much more attractive then a man with a sports car 🤦🏼‍♀️

[@JimWallace-wildblue43]

Call the brick house ladies

[@AS-gf5jn]

How about a house and a sports car paid off boom

[@SuzanneU]

@@AS-gf5jnI'll take the mouse. A man with a sports car, is a tad suspect. I much prefer the idea that a woman can have her very own paid-off house.

[@benticles]

If you don’t make a high income, don’t be discouraged. Sure, you should try and increase it to make it easier to complete the steps but don’t wait until your income is higher to get started! ❤

[@snowrulesnate]

I feel for the side-by-side (SXS) caller! The camper, SXS, snowmobile craze is a real addiction!!! I have purchased 3 of them since 2019, selling each of them after a year and actually made several thousand until 2023. No one has extra room for buying used SXS, campers, snowmobiles, etc. I have to learn to be satisfied with my used toys and appreciate being debt free or I’ll end up broke instead of retiring 😅

[@expensivefreedom]

Worth noting that if you don’t make your first few payments after you buy a car, oftentimes the dealership is on the hook for the loan. That gives you a bit of leverage on them when you go in and ask to be let out of the deal.

[@donnadagostino7717]

Love the every dollar app. I use the free version and I think its great.

[@brookebales2931]

And I haven’t missed a single show 😁 👍 love y’all so much!!

[@BeeDee-qs9so]

I absolutely loved Dave’s talk to Riley and his broken heart. Profoundly good tough Love to a young man who is vulnerable and feeling shaken. Awesome, actually.

[@eeebee6166]

I’m starting to see why Charles was arguing with his boss all the time 😂😂😂

[@BeeDee-qs9so]

😂I’m afraid I thought the same

[@thebestthingthatneverhappe6729]

💯

[@Nigriff]

"Dr" Ramsey handled the young man whose wife cheated on him so well! ❤

[@ancillaasa70]

Thanks for being there for us. Subscribing and regularly watching from Indonesia

[@ayishas4385]

Oh man, Jade and Dave are too funny, chidiing this woman who's flirting with the idea of Helocs and reverse mortgages, after having said how long she's been listening: "This is Christmas; we're supposed to be niice, and you're making it ha-ard!" 🤣😂😭

[@brookebales2931]

Merry Christmas y’all!! ❤️💚🤍🎄🎶🚂

[@Elizabeth_lowkeyluxuries]

That girl was dumb for taking a heloc on a boyfriend's debt.

[@jpsy422]

Yes and no. Fiancé, and it took interest rate down from 25+ to probably 8 or 9. Dumb to be in that position, but the math makes sense.

[@Elizabeth_lowkeyluxuries]

@jpsy422 mathematically yes but dang that's still risky. Not everyone who gets engaged gets married

[@michellepertilla6052]

OMG Jade and Dave y'all got me choking I'm laughing so hard...not Boomer and Depends ...Lord Jesus 😅😂 your children has a sense of humor...so hilarious😂😂😂😂

[@annecurry9229]

Jade I just got your book on audible

[@Nigriff]

George should have a show called "Snark Tank".

[@Nigriff]

😅😅😅🎉

[@slashgeegee3421]

Jade is so beautiful

[@amanirosefoundation]

🙄

[@jonr9659]

Rachel better

[@liberator9248]

​@@jonr9659dont fucking touch rachel .

[@arcane7298]

She reminds me a bit of a young Whitney Houston.

[@jeremy_logan]

So is Dave

[@myoldvhstapes]

1:12:50- Whoo! Janice is 59 with a 9-year-old and a 7-year-old! It's common for men to become new dads later in life, but not so much for us ladies to be new moms.

[@mharrycatterall5098]

Everyone's journey is a blessing x

[@Trustbutverify2651]

I'm happy for women who have the joy of children, even late in life. However, they also need to balance their need for and love for children with the reality that they may leave two children without a mother at a vulnerable age. Yes, I know it can happen to anyone, but it's different when the risk is planned.

[@jpsy422]

And thinking about retiring. Lol. You have a 7 year old. You’re not retiring.

[@TheCookieFranco]

“Grinch and Scrooge” LOL!!!

[@mattlaeff724]

I knew this show was Country, but I had to google 'what is a side-by-side.'

[@alexluna6304]

Same lol

[@tharpeaddy]

I LOVE my 2000 dollar e-bike lol Debt free and investing to get ahead and it’s working!

[@reyrey992]

Love @RamseyShow but just a comment, when answering callers questions and making a suggestion on side hustles, not all places areas are viable for doordash, uber. Some of these people live in rural areas

[@Trustbutverify2651]

In many cases a better answer would be to find something that can be done online.

[@Cravz69]

Can’t say my 69 Camaro got me dates, but it didn’t hurt either.

[@Industrious420]

if you are leveraging debt for dates you are playing the wrong game, but good for you I guess.

[@Cravz69]

@@Industrious420 Haha, not even close brother. Comfortably on baby steps seven for many years now.

[@rajm.5819]

This episode was bang on! Awesome advice.

[@Teeyah2]

Why do parents feel like they have to pay one 100% of their children's college expenses? It builds character when a child can help pay for their own education. Just saying.🤔🤔🤔

[@SJhikes]

My fiancé isn’t good with money, so I took his unsecured debt and consolidated then secured it to my house. 🤔

[@curiouscat3384]

love does strange things to a person's brain

[@BeeDee-qs9so]

@@curiouscat3384😂👍

[@MrTedTederson]

How is that pickup truck seller guy having such difficulty getting rid of a truck? The dealerships are trying to sell new ones for six figures lol. Unless his went thru two floods or rolled over into a volcano you'd think there'd be a line around the block for a year-old pickup truck for $36k

[@camiestockhausen2070]

Omg, so funny. 😂 Volcano. Brilliant 🎉

[@amesasw]

1.9 mil take in San Diego. Your golden downsizing inland. Plenty of nice places for under 1.5. And you pokcet $300k plus.

[@Truckerdaddy]

Roy sounds like a great friend. 😅

[@bluebelle9572]

Roy wants a cool wing man.

[@anthonyyoung6433]

I wish they stop with the 30 minute plus infomercial ads. I listen when driving and don’t want to use the phone to cancel the dang commercials.

[@Pidol.Chichi]

The Ramsey Show -any financial advice on maintaining good health while doing rice & beans to be debt free? Because this also needs physical strength to battle the financial crisis.. hoping for your kind response to my comment. Thank you & Blessed Christmas & a prosperous 2024 to everyone ❤️❤️❤️

[@janfoselli5823]

Go for a walk every day!

[@Elizabeth_lowkeyluxuries]

Throw eggs in there

[@autchicab]

Beans Rice and cheap frozen veggies

[@miriamelizabeth5806]

Fresh veggies and fruit from a local farmers market

[@liadunn4401]

Buy your meat in bulk (when I do this it’s about $4lb at Sam’s vs $7lb at my local grocery). Plan your grocery trips and keep your meals simple. Eat a lot of the same thing. If fresh produce is more expensive buy frozen.

[@deiudeiutz7936]

Can we get the Every Dollar app in Europe?

[@sharshar3628]

Congrats

[@Harveykitty]

She is very pretty

[@brookebales2931]

I cannot stand scary/horror movies either Jade and Uncle Dave!! Ahhhh. Enough evil in this world anyway ugh.

[@republicunited2183]

I love scary movies. Real world ppl are scarier!

[@kylekuehne5976]

56:35 I'm saving this segment for later :)

[@kylekuehne5976]

Also, saving this for later 1:50:35

[@anacaceres4277]

Dave, to your caller in Encinitas California, when he sells his townhome, he should look into Propositions 90, 60 and 19 to transfer his property tax base. Hopefully he'll see my comment.

[@EllenZhou-qv5fq]

Congratulations

[@leegalloway9508]

most men want their "toys" because they work and they deserve it! what about the woman that works also, that doesn't get anything "she" wants because she wants to pay bills and get out of debt ? yes he needs to grow up, but i guarantee he won't.

[@stevensalter9697]

@ 1:43:25 Mint, its not closing in a week, its closing March 23rd 2024

[@shidderboy]

Jade: “that’s right…. Mhmm….. yup….. I know that’s right Dave”

[@republicunited2183]

73 and still surfing.😊

[@richardle7469]

Wow thats a lot

[@chavislawrence2465]

I love what y'all do. Something I noticed though Dave you called a grown man "Hun" a few times but then told him to toughen up and be a man. He said his family has his back. You said now you're gonna do it. Not if he has been coddled by men calling him "Hun". It's a double sided message. Just an observation. We have to decide to teach boys to be men BEFORE trauma strikes. I love the show though. I'm a fan overall.

[@ispeaknonsense]

Hun/Honey in the south is unisex. If a grown man from the south called me (another dude) hun, then I would be wondering where I screwed up. It is right up there with Bless your heart.

[@Elizabeth_lowkeyluxuries]

Cliff needs to stop. He needs to have the son drain his own savings FIRST before the mom has the son do it for the daughter.

[@billw6373]

Leveraged yourself and paid his debt, he'll be gone in 6 months. Think this is the first time i've heard them give advice that's this bad. Seen the movies lol. Hope i'm wrong but she sounds too sweet and kind.

[@DeeDeebing]

They're not going to give advice to leave with limited info. I wouldn't marry him nor will I combine my income with his if he's acting like this. He is not husband material if he's reckless and dependent like this. That behavior makes him less dependable. Many of us women may be used to only depending on ourselves but when you marry he needs to be dependable on all fronts.

[@brookelondon8029]

He admitted to her after a long time that he had credit card debt. With his salary, he's just average, living paycheck to paycheck. I wonder how much else he owes? I wish Dave would've asked that question. And she thought that going into debt was OK but it wasn't OK for him to do it. It would be great if they could get on the same page but neither of them is near what it takes to have a real marriage with honesty.

[@dropoutandretireearly1781]

You would have been great at the car business Dave !!!!!

[@normantheforeman9866]

How do you think you talked to a lady from EDfinancial? Either you did or didn’t. I had zero problem setting up my payments with the same company online

[@chicabodes9817]

She took out a HELOC to pay a man's debt!!!!!! wild!!!!

[@dropoutandretireearly1781]

YUP INTEREST DOESNT MATTER WHEN KILLING YOUR DEBT AT LIGHTNING SPEED !!!! INTEREST ONLY HURTS YOU IF YOU DRAG IT OUT FOREVER AND EVER AND EVER !!!!! LOL !!!!!

[@dianem4188]

the Doug?? Is this you???

[@Nigriff]

This is the "in a pickle" episode. 🥒

[@momosan11]

It was quite disturbing to hear the comment with the guy "cliff" attempting to manipulate his ex wife, and it not being addressed in a more serious manner. That's maybe why she is his ex....due to his manipulative abuse! The son is a grown adult! The ex husband is a grown adult! Notice he said she is trying to force him and the son to use "their money". Wow!!! What! While he is trying to manipulate her to use hers, even if she has to go into debt(he said she can take out loans). Hmm....He is attempting to control her, and when that didn't work, he sends her a letter about how she is ruining her adult son's life and future? How is that ok? He then started laughing about it saying he already paid or is paying it. So what was the point of him doing all that extra? He acknowledged it was not a contractual obligation. Odd how Jade, whose parents didn't pay for her college, Dave, and Cliff were highly dismissive that she ACTUALLY PAID the previous years, not because she had to, she chose to due to being in a financially sound position to do so. Things change. She communicated with her adult son and let him know that she was financially not in a position to assist him this time around. Cliff should be focused on his son, not his ex. Ex husband needs to leave her alone...it was creepy he was so fixed on her doing what he wanted...disappointing how this was addressed.

[@nikkibadzik3948]

I agree with this. He was too worried about what she was doing. Something creepy there

[@alexhill1871]

Don’t fully agree with Dave. Having no debt is great, that goes without saying. I really disagree with him on credit cards. While some people can’t handle them and go into debt, if you don’t over spend and pay it off in full then you aren’t paying the banks and it is similar to using a debit card or cash. It just requires discipline.

[@victornathaniel996]

I always hear use cash, do you mean withdrawn cash or money in chequing account?

[@DeeDeebing]

Whichever is your money that you own. Pay with a checking account or in Cash if possible. Both are considered cash.

[@victornathaniel996]

@@DeeDeebing oh ok that make sense. Thanks for that. I always thought is cash you withdraw and I think I have also heard it’s cheaper to pay with cash

[@BeeDee-qs9so]

@@victornathaniel996Sometimes you can ask for and get a discount for a large purchase (appliances, vehicles), when you are paying cash. Seller is under no obligation to give you a deal but it’s always wise to ask. 👍😊

[@brookelondon8029]

And Dave started over 30 years ago when there were no debit cards so he had what he called the "envelope system" were you had money for food and gasoline and so forth in an envelope. He also said that you spent 17% more if you use a credit card. Hope you're enjoying the shows!

[@zoeyth4003]

Jade, Grant Cardone owns a massive amount of apartments. He is just talking his book.

[@auburnanger6679]

Isaac should just use his wife's car. And the wife can get a job because he's already doing 7 days a week. I think this is a typical young family's situation.

[@Anonymous-vr9hp]

I can't watch the first 15 seconds without going to Baker Street first

[@not4you201]

I go surfing every morning. Get some clients brokie

[@Onecoolkiwi]

I’m a huge follower of Dave and his team but I’ll never understand why they do advertisements and why they always try to sale you something when that goes against what they preach

[@GabeRyanMedia]

Selling something doesn't go against what they preach in the slightest. They do not encourage you to go into debt to purchase the item.

[@sharkelaallen7692]

They don't even take credit cards on their site

[@ednarivera6046]

I knew about Dave was with my brother in law, almost debt free 🎉 but my dad got super sick and his finances are a mess sorry yo say he just didn’t say nothing about it 😢

[@Petitestyling]

It’s always great advice and helps put things in perspective but when they say NO vacations or eating out… I mean limit absolutely! But going to fun places and experiences ALL after 60 or 70 or 80 is 🤮 payoff everything and not even make it to the age where you enjoy it? 😬

[@audraleigh9922]

A Camero does hurt. Yuk! Sensible Toyota 4 runner (Accord is just fine) or similar kinda guy is much more attractive....those guys usually have it together.

[@Trustbutverify2651]

Must not have been many calls today. They only took a few and had some quite long responses.

[@paullansford2528]

Nobody called because Jade is on. Lmao

[@iconicgaming3423]

@@paullansford2528why does everyone hate jade?

[@paullansford2528]

@iconicgaming3423 I don't hate her. She seems sweet. She's gotten better. Not horrible to the point I didn't watch if she was on like she used to be. But she's the weakest host despite the fact sone people like her cuz she's sweet. It's apparent that she is a personality, not an expert. One example of many: Anybody who says 30year interests rates are lower than 15 year rates and has to be corrected by George isn't an expert.

[@BeeDee-qs9so]

@@iconicgaming3423What are you reading? Seriously. She’s fantastic. Love her spirit and enthusiasm, and she’s walked the talk.

[@av-lz5db]

I did not find this to be true.

[@dianem4188]

Patrick should stay put, since he surfs every day. They did good though.

[@Turbo5150]

Bro sent a certified letter lying

[@AnneReeser]

What is the age range for Rachel’s book?

[@JimWallace-wildblue43]

2-63

[@Trustbutverify2651]

Don't know about the age range for the book, but the principle of knowing when ENOUGH is ENOUGH is a lifetime principle. Visit garage sales and storage rooms and see how much stuff people thought they needed and then found out they didn't!

[@curiouscat3384]

Google it!! If it's a best seller then it should be all over Amazon and Ebay

[@bluebelle9572]

@@JimWallace-wildblue43lol 💙💛

[@caroltapia4917]

My husband is a retired physician. He signed up for 2 annuity accounts in 2004 in a single life format. He is 84 and I am 71. I just found out that there is ZERO money in this type of account. If he passes away(which we all do), his pension stops and does not come to me. He has no life insurance. I never had a pension, I thought my husbands pension would cover me. He says he doesn’t remember doing this to me. The only thing I have is a home worth about 160,000 and he spent our savings. Is there any way to get any money from those two annuity accounts so that I don’t have to live on social security only? I’m quite upset about the whole scenario and scared.

[@SuzanneU]

You need to talk to the annuity providers. I fear that your husband's decision is irreversible but there may be a way. A friend recently had a similar situation. Her husband set up his pension for single life. It died with him. He left nothing in savings and a bunch of debt. Dependent spouses really have to watch their own backs and secure their own futures. All you can really do now is hunker down, cut every expense to the bone, get a job, and put every penny you can scrape up into an account for yourself. If your husband is truly penitent, he will do everything he can to help you - including at least part-time work at any job he can find.

[@SonofaB__ssnessowner]

How does everyone make so much money. I feel like half the callers make well north of 6 figures, and I just dont know how to do that myself. I'm tired of being broke. I'm not paycheck to paycheck, but I'm definitely not making enough.

[@Industrious420]

Not only do they make a ton of money, none of them seemingly know how to manage it. Insanity.

[@captainkrunch6372]

Make sure you've held these stocks for at least 1 year for long term Capitol gains treatment.

[@hazelmill20]

What the heck is a side by side

[@bluebelle9572]

Like a four wheeler but instead of handle bars it has a steering wheel and your passenger sits beside you instead of behind you. A 4-wheeler mixed with a golf cart. All different styles are available.

[@not4you201]

Dude can’t decide if he wants to sell his house or not. Come on now

[@Trustbutverify2651]

That's not a financial problem - it's an inability to make decisions problem which is likely affecting or will affect other areas of his life.

[@Sadsoul38]

Get out of the parts department and into a trade with in 5 years your making 50k+ a year

[@erikrohr4396]

12:37 is a lie.

[@masonr1666]

[*Obligatory Black Pill Post*]

[@MarkB-hm6os]

what's wrong with using a heloc to pay off credit card debt when it's lower interest?

[@mattheauperry8358]

Because using more debt to pay off debt doesn't do anything. Paying lower interest doesn't matter when you're using the snowball method and throwing everything you can at debts to get rid of them.

[@alexpeighty7]

Credit cards are unsecured debt. Doing a HELOC is then putting your house at risk.

[@MarkB-hm6os]

@matheauperry8358 how can you say it doesn't do anything? math doesn't lie. lower interest means you pay the debt off faster, isn't that the goal here?

[@MarkB-hm6os]

@alexpeighty7 you can't borrow more than 80% of your equity in a heloc which is no different from buying a house with a 20% down payment.

[@mattheauperry8358]

@@MarkB-hm6os it only pays the debt off faster if youre making minimum payments where the interest matters over many years. If you're working to get out of debt and making far above the minimum then the interest never has a chance to accrue in the first place.

[@TraderNN]

The golf guy is just a loser…. Hes lazy

[@alhoy9146]

😂😂😂😂😂😂The guy who says 19 year old kid and 23 year old kid why I don’t need it 18-year-old you are an adult not a kid my children are six and eight so what their embryos now😂😂😂😂😂😂

[@christophergomes7053]

JADE. IS. NOT. AN. EXPERT. 🤦🏾‍♂️

[@CaffeineForCode]

One of Ramsey’s mottos is “debt is not a money problem”. Even though people occasionally call in with complex financial problems, Dave almost always refers them to a Financial Expert. Jade is relatable, as a normal person that broke out of the “rat race” by dedicating her life to getting out of debt and never borrowing money again. All of the personalities have a specific domain because no single person could possibly compete with Dave’s 30 years of experience. Respectfully, Jade brings a unique perspective to the conversation and broadens the audience for the show.

[@LadyRishae]

@@CaffeineForCode VERY WELL SAID! Thank you 👏🏾👏🏾👏🏾👏🏾 WE appreciate you Jade 🎉

[@kaitlinobrien243]

❤❤❤ Jade 🖤 🖤 🖤

[@carmelaestrella3854]

She is…with her “ahhhuhhh,that’s right,and the I agree with Dave” 😳

[@BeeDee-qs9so]

Nor does she nor any of the others pretend to be!

[@rosebush7000]

NOT DEPENDS sponsoring boomer insights! 🤣That’s was harsh Dave. 🤣

[@malissakirby4193]

I divorced a Brit in 🇨🇦 who had an old car with no a/c. CARS MATTER!!!

[@amireallythatgrumpy6508]

He dodged a bullet there!

[@XennialGuy]

First 🥇🏆

[@Trustbutverify2651]

Nope. I was first - I just didn't write "First." When I signed on there were no comments, including yours. I just didn't find the calls interesting enough today to listen to all of it.

[@XennialGuy]

@@Trustbutverify2651 Sorry you were late, the trophy was already handed out to me. 😢

[@liberator9248]

He call him stupid.😅

[@liberator9248]

Mathematically

[@brookebales2931]

I cannot stand scary/horror movies either Jade and Uncle Dave!! Ahhhh. Enough evil in this world anyway ugh.