How to Escape Living Paycheck to Paycheck | December 11, 2024

The Ramsey Show | December 11, 2024
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Dave Ramsey & George Kamel answer your questions and discuss:
"Should I fix my car or buy another one?"
"Living paycheck-to-paycheck on $600K a year,"
"How do I get my wife on board with the plan?"
"How does compound interest work on multiple accounts?"
"Should I get my fiancé to sign a prenup?"
"How much house can I afford?"
"My parents are kicking me out for failing college?"
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[@journeymanxth]

caller 1 - 00:40 caller 2 - 04:20 caller 3 - 11:00 caller 4 - 17:35 caller 5 - 22:30 caller 6 - 36:45 caller 7 - 40:25 caller 8 - 44:40 caller 9 - 55:50 caller 10 - 1:01:50 caller 11 - 1:07:15 caller 12 - 1:11:00 caller 13 - 1:17:20 caller 14 - 1:24:30

[@Lolibett]

That’s too many callers! If you could also add the subject - that would help some of us much!

[@thebusyhomeschoolingmomfiles]

Thank you again friend! This is awesome, you don't need subjects, this is enough of your time. Thank you thank you 👍🏾❤

[@KiciaKocia88]

@@Lolibettyou are more than welcome to do that yourself

[@elevate4eva]

@@Lolibettsubject is not needed

[@LoveOnTheEdge1705]

John's gat too much energy for that tropical music in that ad😅

[@annt2685]

Dave I always listen to your program before I fall asleep. I had a cat & he would lay on my chest listening to the opening music & your voices.I had to have him euthanized couple years ago (severe heart disease) & after spending almost $10,000 to save him . I had him on my chest, listening to your program before his last breath. He loved listening to your program& listened until the end. It was very calming & soothing for him, & believe he knew it was “our” program we listened to every night.Thank you!

[@beefandchicken]

RIP cat. ❤

[@susan9421]

That's so very sweet. Sorry you lost him. :(

[@StephenRain-v1u]

Rest in peace cat 🐈

[@elisemariecollinsyoga5905]

Very sweet story. The Ramsey show is very soothing.

[@lipalesaletuka3432]

Rest in peace to your cat 🐱. Mine was killed by a hit and run and I know the pain of losing a pet 😢

[@jessicamariethorpe]

My heart dropped when I heard the 30yr old call saying she doesn't want to pay for health insurance with the new job. I work in the hospitalsystem. I used to deal with claims, denials, bills, etc. You need health insurance. Do not skip that 🤯

[@maryfitzgerald6209]

Some people can't afford those luxuries in like why this stupid country should allow free healthcare 😭

[@matthill2957]

Dave thought the girl was so heartbroken until he found out she made out like a bandit on divorce settlement lmao

[@allthingsjonda5760]

Love you Dave and George❤️❤️

[@myoldvhstapes]

Dave was spot-on with the $62,000 appendectomy bill! That's about what mine came to six months ago, and it was NOT even an emergency. It was scheduled in advance. Mercifully, I have Medicare with Medicaid backup so I won't be billed. But I do spend nearly ten grand a year on procedures and prescriptions which are not covered by insurance.

[@ArchieHwan]

I'm glad you made this video it reminds me of my transformation from a nobody to good home, $34k monthly and a good daughter full of love

[@Hapjack11]

My outlook on money changed when I realized that is better to invest on or before retirement, some people are just putting £15k or £20k With the current market movement at the end of the year they are making millions.

[@wilderRobin]

Yes I agree with you on that. I was once a holder with about 3BTC, 7ETH and $8000 worth of lite coin but now after investing have about 17BTC and 21 ETH

[@Annakerry-rp3pd]

Making touch with financial advisors like Elizabeth Regina Nelson who can assist you restructure your portfolio, would be a very creative option. Personal financial management will be crucial to navigating the next difficult times

[@BlackJones-z2x]

Unfortunately, not all of us were financially literate early. I was 35 when I finally educated myself and started taking steps. I went from $176,000 in debt with zero savings or retirement to now, 2 years later, fully debt-free and over $1000,000 net worth. I know that doesn't SOUND like a lot, but I'm incredibly proud of it. Now I'm fast-tracking my wealth building (investing $400,000 annually) and don't owe a dime to anyone. It's a good feeling!

[@CashTerry-g2m]

Life is easier when the cash keeps popping in, thanks to Elizabeth Regina Nelsen's services. Glad she's getting the recognition she deserves

[@BI99373]

Disagree with comment about marriage and pre nup. 400,000 is extreme for some of us. The divorce rate is so high

[@ssjmatthew1286]

Hate to break it to her, but it’s cold AF in North Carolina right now.

[@justinbenavidez1985]

🚲

[@wyattwheeler.]

Living pay check to pay check making 600k a year is unfathomable…

[@masonrobb8087]

The Creed reference really made my day at work. Thank you George. 😂

[@NaturalWifeyandMamaBear]

Danielle, just do the high deduct plan for health insurance to keep premium low as can. And try the company George recommended-Health Trust Financial believe (Under that company, we got Medi-Share-Christian based- and for our two boys combined, not each, with the higher deduct, around $115 a month total 👍 )

[@Trustbutverify2651]

Elliott from Denver - ADHD is not an excuse - you just have no sticktuitiveness. Get a job and an apartment and GROW UP! No job is ideal - get some backbone. And if the cost of living is high, then move somewhere you can fford.

[@Zee-zj2uh]

Elliott; I'm proud of your parents for issuing an ultimatum. It is time to grow up and live in the real world.

[@suzannortega6671]

💯 💯💯

[@rachaelackerman1119]

Asthma is not an excuse - you just have no endurance. Start running laps! That being said, even thought ADHD is not a person's fault, it is their responsibility to take steps to manage it enough to function in the world.

[@RenegadeNomad]

$15,000 for an engine?! I swapped my Mustang’s V8 for $3,500.

[@cackalacky_outdoors4959]

I also have an f150 that i had to replace engine. 2013 ecoboost f150 150k miles engine replaced cost 10,200 for mine. Currently have a mjor oil leak and bout to sell for a 25k dollar loss after repair prices

[@edwardhale2412]

(BS7) "Maybe you should be married to him and not your Mother" Loved that advice.

[@1997GOBIGBLUE11]

The first caller, a used 2018 F150 with 120,000 miles on it is not worth $10,000. Try 20-30 k. He just wanted a new truck lol.

[@brendakordik8411]

Rates are temporary, yes. But they're going UP and not down. We were fortunate enough to lock in a 20 year rate at 2.25%. We would love to move further out with a little bit of land but we have the golden handcuffs on, considering the price of homes and high interest rates. Goal is to continue paying down the mortgage and make extra payments then buy a home in cash in 3 years.

[@GiffordKollar]

Don't work for money; make money work for you. Invest wisely today to create the freedom you desire tomorrow.🇺🇲

[@user-kj2iv6xr7s]

Many new tra-ders face challenges without proper guidance. I found success by learning from James Clark's expertise.

[@korkyket]

​@@user-kj2iv6xr7sexactly!! that's why I always seek Mr J Clark's guidance before taking any step 😊

[@RobsonSilva-cs2he]

​@@user-kj2iv6xr7sexactly that's why I always seek Mr J Clark's guidance in all I do 😊

[@thesearethefables]

exactly that's why I always seek Mr J Clark's guidance in all I do 😊

[@StealthFighterUSA]

I recently sold half my tech stock holdings due to all-time highs, leaving me with $400k. Should I invest in ETFs now or wait for a market correction considering potential inflation?

[@yankeefrugal]

$400,000 is alot of money. Definitely needs a prenup.

[@michealadeleye7476]

42:27 I’m blown away by the rule of 73, that’s super cool.

[@StephenRain-v1u]

That first call is crazy to me. How in the hell are modern vehicles SOOO shit. It makes no sense to me. A 6 truck engine should absolutely last 100k miles, easily triple if you don’t drive it like an idiot. And then this genius wants to get another version of the same shit ass truck with the same shit ass engine. These people man😅

[@willtacoma2ndgen661]

Exactly, this guy has no common sense.

[@EthanPhelps-w4d]

It's probably a junk eco boost

[@miloseveggies8064]

Strange that Bill from San Diego can run a business that grosses 500k/year but he can't run a household.

[@elizabeth96270]

❤爱您❤祝您健康❤

[@amandagerberich5378]

Yes, ADHD IS a learning disability and that caller needs be diagnosed and go to the office of disabilities on the college campus and get assistance so he can pass his classes! ADHD affects all aspects of your life.

[@ses-ei7oc]

The Creed reference killed me.

[@LoowkTrades]

Watching this and other call in podcasts recently, ive realised so many people dont know how to talk. Instead of answering questions, they’ll just waffle

[@deannahardemion2071]

Caller regarding insurance compared the cost of his universal life insurance rate that he started years ago when he was younger vs current term rates at his much older age .. apples and oranges. If he had bought term years ago the rates would be much lower.

[@ChristopherMcComb]

I’m the insurance caller. And I understand that. But I’m paying $30 a month. Have for almost 20 years. And will continue to pay $30 a month for next 40 years. I'm sure term in my 20s would’ve been cheaper, but I can’t buy term for that cheap now. And when I’m 75 I won’t be able to buy term for $30 a month. So where’s the downside? ¯\_(ツ)_/¯

[@mirandawalker6600]

52:50 you could qualify if your income is low.

[@songindarkness]

ADHD is a condition that can severely affect everything about a person’s life. Elliot, get an ADHD coach if you can. If you can’t afford it, watch some ADHD KZbin advice. How to ADHD is a really good channel. A lot of brilliant entrepreneurs have ADHD but they get help and work hard. It’s tough to overcome the drawbacks of ADHD but the advantages are that you can be more creative and flexible and good in a crisis. Find strategies and tools that work for you. You can do this!

[@cackalacky_outdoors4959]

I also have an f150 ecoboost mine is a 2013 and i also had to replace the engine at 150k miles. Currently at 175k with major oil leak and trans leak and getting fixed and selling immediately. Dont buy the ecoboosts. They need to be called ecobooms

[@Juniormintz584]

Fired Monday wrongfully on Heresy looks like I’m unemployed for a day or two until I find another company like Shaws is what I’m trying now . Anyhow Ramsey sir I love 💗 how you keep the guy positive by saying just keep moving Ramsey reminds me of my friend Derek .

[@CiaoFooTanks4AllTheFish]

Dear Dave. Its a neurological brain wiring that messes up your time awareness, lack of time management, dopamine is only available when interests are high. Not an excuse. Arthemtic is hard yet algebra was a breeze. I still struggle at 60 plus. Branson has it. But it's an interest based motivator. He may even be smart and need to take 2 programs simultaneously. I knew a chiropractor who took naturpathy at the sane time to kerp his interest piqued. We got a lot of energy. But boredom kills our spirit.

[@lwmillerlwmiller]

Love the show as always. But George could you please stop adjusting your microphone? You may have learned that from Dave. Just kidding guys. Keep helping.

[@yecikamartinez3511]

Question Call # 1 it’s not doing a fraud on Medicaid and Medicare ?? He supposed to inform all the save money his mom have, including the savings account and property? I’m just asking, nothing personal

[@eightiesaddictone9063]

The man with the construction company is NEVER coming back. Ever. He has money he is hiding from his wife. Period.

[@Juniormintz584]

I don’t expect anyone to pretend to like anything folks so I’m only asking for you to subscribe so I can go live and start saving .

[@rschmidt9495]

Did George just make a Creed reference?? lol 🤦

[@jessicasquire]

I'm 54 and my wife and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for.

[@Lemariecooper]

I feel your pain mate, as a fellow retiree, I’d suggest you look into passive index fund investing and learn some more. For me, I had my share of ups and downs when I first started looking for a consistent passive income so I hired an expert advisor for aid, and following her advice, I poured $30k in value stocks and digital assets, Up to 200k so far and pretty sure I'm ready for whatever comes.

[@BaffySchenck]

that's actually quite impressive, I could use some Info on your FA, I am looking to make a change on my finances this year as well!

[@Lemariecooper]

My advisor is *JULIANNE IWERSEN NIEMANN*

[@Lemariecooper]

You can look her up online

[@BaffySchenck]

I will give this a look, thanks a bunch for sharing

[@suongho6585]

noooo not united healthcare caller at 1:03

[@TC2020-w8u]

You hope interest eates go DOWN ???

[@Davefitz04]

Guy who makes 500k and complains about it and cant save money. Kick rocks buddy.

[@User75966]

I kind of felt bad for the guy from Italy lol. So caught up on the semantics of his “dream” and never answered his question

[@laurab5849]

Same. He grabbed onto that one statement and shamed him kinda crazy.

[@Pidol.Chichi]

Divorce can be a money making tool. 😅

[@saintjon]

Was disgusted

[@alleykeosheyan4779]

Turkeys don't fly, y'all... just watch that infamous episode of "WKRP in Cincinnati!"

[@ordinarypablo]

5:40 😂😂😂

[@Juniormintz584]

Rowley store the boss stole my inventory day check my first year and told me that the company only pays out for 3 hours . Upon investigation I was told by a girl in courtesy booth it was the reason he was moved from one store to another . So I’m working for scum bags ? Never again I’m gonna find everyone they have screwed and bc I have a friend who’s a billionaire he says he’s paying for my defense to catch markwt basket I’n perjury lol it’s more than fair to say at this point the company has been caught multiple accounts all provable beyond a reasonable doubt multiple crimes . I’ll bet theirs millions of other s like me looking to team up

[@dinaldedefaria8806]

❤️

[@nowthatsurban]

A prenup with $400k 😂😂😂😂

[@TummenUpp]

Way to many ads...

[@marksaunders3854]

👍🔥👍🔥👍🔥

[@nicolascott6514]

Too many ads now. Mattresses? Doesn't sit well with the financial advice.

[@deannahardemion2071]

Get a pre-nup …

[@Juniormintz584]

So glad I graduated with a degree in law bc I had no idea until later in life that I would get robbed and lied to by Mr Raviolio 😂god bless new job here I come

[@ronniephillips6336]

Funny how callers call in with a problem and Dave talks all over them or cuts them off. Don’t think he has answers to real life situations

[@StephenRain-v1u]

First time listening to Dave?

[@amireallythatgrumpy6508]

Most people's problem is they don't know what their problem actually is.

[@LeeHarvey81]

It’s because there’s a delay and he’s cutting through the over talk

[@kmng3207]

CHM is the best.. Forget Gov insurance

[@Trustbutverify2651]

It may be the best now, but it will cease to be the best when too many people start making ridiculous or fraudulent claims.

[@mirandawalker6600]

Idk my HRA is pretty awesome. It's paid into by my company, and I get reimbursed on every medical expense.

[@TC2020-w8u]

Marriage scam

[@KennTollens]

This will go over like a lead balloon, but if women would get back to the kitchen, then a lot of jobs would open up. Like back in the 50s when you could buy a house on a milk man wage.