Don't Let Your Debt Keep You Up At Night!

The Ramsey Show (February 9, 2023)
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[@lilibethvilella]

Anyone else here binging 2-3 shows a day??!!?? 😂

[@kjvacp]

Yep

[@Oxytocin999]

Yeppp

[@Ksje90]

Yes

[@kashiro2492]

Ya

[@MattyLiam333]

Si senor😂

[@lindahuynh9438]

" You can't care for them more than they care about themselves." Amen 🙏

[@anya8221]

Overtime queen here, yes we do exist. 116 hrs last week, 86 hrs this week, max next week 😅

[@Jcruz388]

Heck yeah, great job!

[@dianawilliams8801]

Well done! That's amazing

[@arianavidal]

You're on fire!!!! Amazing!!!

[@kjvacp]

Plot twist: She's SALARY! 😆

[@edgarandrade660]

I worked 2.5 months straight from 5am to 8pm. I was able to. Tuck away so much money for a down-payment on a house 😊

[@IrishQT07]

Dave's reaction when JW from Atlanta said "Oh my God" was priceless! 🤣

[@kjane920]

🤣🤣

[@gracecase998]

In regards to Kyle. I agree with Dave, work on forgiveness (remember its for you, not them). Live your life and his Dad made his choices. My heart and prayers go to Kyle and his family.

[@mollyst.lawrence8396]

It will be alright Kyle promise

[@McKaylaJade]

Kyle. My dad did the same. At first i tried to help, but i couldnt handle the stress and walked away. Noone blames me for that. And the peace it gave me i cannot describe.

[@kathleenphillips7145]

Similar situation I walked away and was blamed by my siblings but they are no longer in my life as well which has given me freedom and peace.

[@McKaylaJade]

@@kathleenphillips7145 yes, the peace i gained cannot be overly expressed

[@mzfitmama2361]

How can we save now days with no luxury items except a cell phone. Paid car less than 2,500 debt and yet my rent for our family of four raised this year to $200 more in AZ. We didn’t want to buy for about three years and I just feel that weight of never getting out of the 🎪 circus of this shark renter corporation.

[@Nigriff]

I had a similar experience and wished I had done more to help.

[@elainemywords6799]

Yes. He has to forgive his dad and pray for God to work it out.

[@beckyelliott2871]

It is unfortunate that Kyles’ father acted so immature and put his family, especially Kyle, in this situation so young in life, BUT Kyle has shown so much sense by contacting Dave Ramsey for information and good advice. Kyle has learned one of the best lessons in Life- NEVER BE ASHAMED TO SEEK AND ASK FOR GOOD ADVICE - AFTER ASKING GOD IN PRAYER FOR HIS GUIDANCE! ADVERSITY GROWS CHARACTER!

[@marykirschman6625]

I feel so bad for Kyle. He’s much too young to have this kind of stress.

[@mmp495]

Totally agree. Glad he called for advice.

[@RealAmarSheth]

Hit me quite hard.

[@i_Gotcha_]

@@mmp495 no 19 year old should have to be in that position. What a beyond irresponsible father and his siblings need to step up.

[@thealexandraway]

I cried

[@scrubs4everr]

What Jeremy from Martinsburg went through with the stress level staying after having debt, that is so understandable & exactly what happens when you have substantial stress/trauma. Dave and Dr. Delony handled it very wisely. The trauma goes away after a while! Practice peace & gratitude, it'll get better over time.

[@gusmueller4413]

wow i thought i had it bad with my mother going through dementia at 85 and letting the pipes freeze in her house. 48! that's younger than i am now. i don't think i had my life figured out until i WAS ABOUT 48! good thing i still have a liver and a brain, among other organs

[@charanjit7427]

Don't Let Your Debt Keep You Up At Night! I USED TOO NOW I DONT.... i was in debt 28k in 2018 after my divorce now 8k was supposed to be out off it by July 2023 but things happen but by February 2024 i will be done with it. So i used stress and get stressed badly now im gonna take for break a weekend away, need one, and hit the debt hard as i can after. bless everyone. u got this guys. i tried so many times to get a loan from the bank and got rejected so many times, crazy. so i can just one debt had 5 credits cards and a loan but now i have just 2 left. 4k in each. been a hell of ride but getting there. bless everyone

[@proper.role.model.819]

I've been paying my way on a lower income because I refuse to have $100k in loans. It might be taking me longer, but I doubt Ill regret it.

[@veronicagonzalez1745]

Absolutely the right choice. Please spread the word of getting people to watch Ramsey’s movie on Prime, Borrowed Future

[@bonniehalf-elven]

I love the "twixt and tween" guy. The metaphor he described was funny (and accurate). I wish them the best!

[@bluebelle9572]

He was pretty fun to listen to.

[@barbaras676]

The lender is playing the long game. They are gambling on the borrower not remembering or going through the hassle of removing the PMI by having the property re-appraised when there is 5% more equity in the house.

[@rothbj1]

I think Dave was walking down the street when they were having a Sopranos wardrobe liquidation sale

[@JH-kt8vh]

😹

[@BradDiBenedetto]

To the guy with the 15 vs 20 percent down question. John was all over it but dave missed it. If you have pmi the bank has much less risk. Just put 19.5% down and then get the pmi off after a month lol

[@Nigriff]

God Bless These Strong and Compassionate Men.

[@xiongbeezo1983]

Lol, Jeff said hi to himself

[@bcusaaus4749]

In the name of Jesus, bless this couple🙏

[@danaleverington8043]

Agreed! about those student loans, Dave! You're the BEST!!

[@nancymiller4383]

$136k for a DPT degree is crazy! You need to look hard at the debt to income ratio. Consider state schools if you can’t pay for a private school. This is coming from a PT. 😉

[@96ej]

I didn't see this answer yet but put 15% down and then before your first payment is even do put the extra 5% towards the mortgage and you'll avoid PMI and get a better rate

[@teresiaify]

😂😂 1:08:50 Dave’s laugh got me laughing 😂

[@MoneyTeam507]

Me too🤣🤣🤣

[@varyvelasquez7609]

Wow!!! You guys are a blessing

[@jillc1369]

Another great show! Thank you

[@riverflowwtruckingtv]

Great show as usual 💯

[@kashiro2492]

Lmao tim was so sad they didnt acknowledge his kenobi impression

[@robertbroyles2388]

When I bought my house spring of 2022, rates were 0.25% less at 15% down than 20%. Lender told me it was because it was higher risk without the PMI. I went with the better rate, then once it was sold and under the new servicer, I put down the remaining 5% and had them recast the loan and drop the PMI.

[@sariahhayford3331]

That is what the caller said, too

[@ktp4813]

All lenders price the same. Less risk to them with the 15% down. Once you hit 75LTV or put 25% down the rate prices like putting 15% down.

[@mandypdx]

I thought you couldn’t drop PMI for 2 years, regardless of meeting the 20% percent threshold??

[@lilibethvilella]

Love these 2 hearts together ‼️‼️‼️

[@scrubs4everr]

This was an amazing episode, great work!

[@jeremybrown-HelloJayBird]

I would imagine on the mortgage question on 15% vs 20% down, there is a interest rate buy down in the equation.

[@sarahburggraf907]

As a fellow buckeye the unanswered O-H ....left me feeling depressed and disappointed 😞. You dropped the ball Dave.

[@luispadilla2212]

If Kyle’s Dad was a millionaire I bet all of his family would be fighting to care for him. The old story where an old man begged his kids to visit more than twice a year and they never could. One day they found out dad had a barrel full of gold and they started visiting every day just to find out when he died that the barrel was full of soda caps.

[@soni05131]

Young man needs an attorney for the legal issues.

[@michelesmith4290]

Churchill mortgage is great I used them

[@singlemomlife2261]

My debt is the least of my worries

[@tasheekawhite2731]

There are new lending rules when barrowing to buy a house. Heard about it about 2 weeks ago on a realestate/invester podcast. It costs more to buy a house when putting 20% down (using a conventional loan) than it does when putting less down. They want all banks doing this by the end of spring. Some banks are implementing the practice now!

[@bettedavis9261]

Do you recall the name of the podcast? I couldn't find anything doing a Google search on the matter. Thanks!

[@sariahhayford3331]

I am not a fan of this change

[@miloseveggies8064]

1:08:33 brilliant

[@margaretslaughter8320]

It's sad how everyone can't ban together and help out the situation.

[@keddycameron2723]

Lol he said eggs are more than gold !!

[@FLOODOFSINS]

Dave was little he tripped and fell into the financial diet room instead of the diet room.

[@joenanez]

Sounds about right 27k last year is worth 14-17k now. Banks were financing 150% of the vaule of cars last year. This is a good example of a huge crisis coming.

[@jeezze07]

Where’s this full video

[@beckyelliott2871]

Dave, I have written you in the COMMENTS section, so far no answer. What steps should I take to find out if investing in a quality vacation condo in a beach town location is a good deal ?

[@b.c.2836]

He has said that he does not read the comments

[@thealexandraway]

Call into the show if you have a question

[@dianem4188]

@ Jake & Kate: I O

[@Mizius]

"hey jeff, oh... hi uh, yeah hi" "hi!"

[@michellegrovak]

Kyle wouldn't be taking care of his dad, just making a few decisions.

[@seanjean9677]

Put that man in a home!

[@pamsmith1665]

He already is

[@dladdstrong]

Why does Dave Ramsey use the Lord's name in vain so much if he is an evangelical Christian? I don't get it.

[@LocaW8ta]

Lol

[@brittanym9996]

I was thinking the same...

[@EdithMoore]

I really want to go on vacation and buy a new car, so I started applying for student loans!

[@thirdintegra]

Did you change your name, Eric?

[@jamaicaninthekitchen4358]

What!

[@dianem4188]

@@thirdintegra LOL, what happened to Eric?

[@agingacademy]

But, why should it be the states responsibility? You are always criticizing the "govt" for intruding....but it's ok if a family doesn't want to deal with their problems??

[@lauragarcia3510]

They didn't say the state would be better, they explained that if it is detrimental to the son's well being to take on that responsibility at 19 years old, then maybe it would be better if a third party who is uninvolved emotionally in the family take on the responsibility. And I agree with them.

[@p.sherman3158]

If it wasn’t for student loans my kids wouldn’t be a lawyer, a CPA or a Doctor of Psychology …. so there’s that

[@LadyMatriarch.]

Well that’s not inherently true. Education can be financed in a multitude of ways that DONT include students loans.

[@lindahuynh9438]

Imagine if your kids become a lawyer, a CPA or a Doctor of Psychology without a student loan 🤔 every paycheck go straight to their account- the whole lots 🤔

[@briankeith2557]

Yay!

[@lindahuynh9438]

@@prettysubliminals2555 cost of school doesn't have to be a student loan.

[@rayshacordero4476]

Yay?