If You Don't Choose Your Pain, It Will Choose You | March 5, 2024

[@myoldvhstapes]

I love this new host! He's great.

[@BeeDee-qs9so]

😂😂😂

[@nodsib]

lol

[@eldon80]

Hahaha! That’s a good one. He sounds like he has a lot of wisdom lol

[@wearyourcrown88]

😂😂😂

[@abbiesemperfi]

IKR????? 😂😂😂

[@olgachepel7678]

Let’s all pray for that gentleman’s wife who is sick with cancer and pregnant ; 🙏🏻🙏🏻🙏🏻♥️ thx everyone!

[@snicole926]

Yes!!!!! 🙏 Lord Jesus do a miracle!!!

[@margaretkaczorowski2211]

Praying- I let out an audible expletive when I heard him say stage 4. I am so so sorry.

[@yontine]

Praying for a miracle in Jesus name 🙏🏾

[@sameshajones1126]

🙏🏽🙏🏽

[@lucianogarcia_]

Man I missed Dave, he’s a national treasure

[@3roachkidsdhe]

Yes, I missed him too!!!

[@BAKW-fz5tw]

Amen!

[@janfoselli5823]

At least he said he will never retire

[@tande0822]

I did too! It’s not the same without him

[@artistcarolyngrace1711]

Yes I don’t watch the show unless he’s on it’s not the same without him

[@NuOriginal]

"I'm more valuable at work when there's no drama at home". ... Underrated comment.

[@leytonfortnite4724]

Dude!!! Buy her the house!!!! None of the Ramsey personalities can break it down like Dave😂😂😂. He cannot retire!! Has me laughing and crying in the same call bc he can tie the problem back to what's most important, his wife and family. Thank you for your daily dose of wisdom!!

[@coachclaudiawith_hope]

CURTIS in PA, please don’t lose hope. I have a colleague who had stage 4, she decided to give it all to God, prayed and let God decide. She was given three months to live with a two year old toddler. It has been four years, she no longer has any cancer in her brain or body. Only God. I prayed immediately after listening. Stay strong. Everyone who listened to you was touched and a high percentage are praying for you, your 23 week old baby and your wife. I will continue praying for your family.

[@abbiesemperfi]

I saw Dave’s face on the thumbnail and was all “Yaaaaaay! Dave Ramsey is back!!!”

[@marionexley607]

yes, I actually screamed 'wooohoooo he's on today' hahahaha.

[@mattlaeff724]

I cannot listen when he isn't Leading.

[@artistcarolyngrace1711]

Me too!!!😂😂saw the thumbnail and went Yes!!!

[@artistcarolyngrace1711]

@@mattlaeff724me too

[@mohamedhassan1722]

Welcome back Dave. The show is always better when you are on the chair.

[@IHateNicolasCage]

“Sell the co-hosts”

[@deb9806]

He has the right to cut back He will more over the years

[@savanah1407]

Dave! Don’t do that to us again please! We need you. There is no substitution for Dave!

[@sarahburggraf907]

How dare you deprive the hardest working man in America a well deserved vacation w his wife? How rude

[@savanah1407]

@@sarahburggraf907 I wasn’t being rude. You took it the wrong way and in turn left an unkind comment. I was just showing Dave that he was missed in a light-hearted way. If he ever sees it, I’m confident that with his sense of humor he would understand how I meant it. ✌️

[@sarahburggraf907]

@@savanah1407 i dont ever want to become so stubborn and self righteous that i can't be wrong or corrected. Im sorry i misunderstood you. Please accept my apology.

[@savanah1407]

@@sarahburggraf907 I hope you have a great day! ☀️

[@ruthst-martin5887]

Prayer for the wife of Curtis who is battling colon cancer and have a safe delivery too. Praying for miraculous healing right now in Jesus Name Amen 🙏

[@jodydickson5713]

Praying for Curtis and his wife!! His story touched my heart.

[@nadinejasso5384]

Yes. It is curable and prayers work

[@clairehellam]

Thank you for telling that gentleman with a pregnant wife with colon cancer to stop and stack the cash while fighting. I’m a stage 4c colorectal cancer still in active treatment after 4.5 years. My medical bills are starting to stack up, but it just gave me some relief just to hear you say, “stop” and fight cancer now. I am optimistic as I go through radiation treatments right now. If only I could make income to help, we’d be ok. But… my primary responsibility is to survive. I’m such a huge fan… raising kids to be debt free. Thank you, Dave Ramsey and Rachel Cruz!

[@shri2947]

With your treatment and other expenses related to health, what you think an avg American should have min insurance level? In terms of $

[@clairehellam]

@@shri2947 I can’t say for sure. I am very lucky to have coverage provided by my husband, it’s not 100%, but most is covered. I wish insurance was the same for everyone, but that obviously not the case today.

[@Treehandler]

Very nice of Rachel to pick her dad up from the retirement community and show him Where she works

[@user-ms3mx7gz9g]

😂

[@mmp495]

😂

[@rnarzu]

😅😅😅😂😂😂😂

[@pink-rose667]

So happy he is back. It never feels the same without him.

[@rolgyhori5379]

I can literally see Dave smiling on his bed, a happy man. Not for how much money he made, but how much lives he’s touched.

[@su-mu]

1:18 Dave, you are helping America. Thanks for coming back.

[@chrysopigilazarakou5113]

He is also helping us in Greece.

[@reneespring834]

Two calls in a row and I am tearing up. Dave is irreplaceable. His wise advice and caring made my day today. 💜

[@kristinehennix1818]

Prayers to the gentlemen whose wife has colon cancer and baby on the way. ❤

[@homeboy391]

Happy to hear that Dave and Sharon are taking time off! Awesome! Fruits of their labor!

[@moye41]

This Dave guy is pretty darn good. Think he should be a regular.

[@chpppbgs]

Guy who’s wife is fighting cancer. I stand with you bro. I’m praying for the best. Such an heartbreaking call 😞

[@jasondima1411]

The rant Dave has about the woman that put her toddler on her credit card is hilarious and sad at the same time. Glad to have Dave back with Rachel 😂 that’s the rant we all missed!

[@bettedavis9261]

I felt Rachel was just soaking up knowledge today. Dave spoke a lot of wisdom today. Perhaps the most wise words he said were, "I don't know the laws in your state."

[@evelyndukes5564]

Finally Dave is back…we missed you

[@pamelacaro8556]

I kept replaying old videos of Dave on air because I hadn’t seen him on in a while! I don’t listen unless he’s on! lol

[@kimf5948]

Me too!

[@msbrig1]

Same!

[@moneywithjustliving5258]

I love Dave, he is so tactfully blunt. Gotta love it!

[@jaijai1132]

I may be weird, but if someone cuts me out of a will, I’m not chasing anything. I just don’t have that kind of energy for other people’s stuff, sentiment or not.

[@BeeDee-qs9so]

That’s right- and would you even enjoy it or feel the same about using it?

[@argev6521]

Yay papa Dave is back!!! And with Rachel by his side, makes for a great show 🫶🏼

[@kamakazecam]

What an excellent quote, savers can never save enough and spenders can never spend enough! 🤯

[@annamineer2521]

I'm a spender. Thank God I married a saver. 😂😂😂

[@roxanneldeleon3801]

Prayers to you, Curtis, and your lovely family

[@dianem4188]

Sending love and prayers to Curtis' wife and family. I'm so sorry. Fight the good fight.

[@marionexley607]

I'm soooooo happy Dave is back. 'Rent free in your head', how I know that feeling. He made me cry. Thank you Dave.

[@nessapalmer5316]

Oh my goodness to the family with the cancer diagnosis 😪 Sending you love and prayers. May God's healing hand bless your family. 🙏

[@andreagodwin2069]

Curtis from Philadelphia, your family will be in my prayers. 🙏🏼

[@shelleysemczuk2879]

This debt free scream brought tears to my eyes and hope to my heart!!❤️

[@nataliareynolds1740]

Yay Dave is back! =)

[@TSos1973]

Dave knows how to keep those calls short. Everyone else lets the caller babble on and on, back and forth.

[@purainteligencia]

And they be all over the place with their advice. Each co-host pulling the convo in different direction. (Dave is money when he gets the caller to answer the callers own question in which the caller originally called for.) It's a thing of beauty. Something the Great Goerge needs to pick on!

[@BlahDeDah7]

Amen!

[@BeeDee-qs9so]

Such a wonderful, diverse show today. Welcome back, Dave. You guys did an amazing job.

[@MyMeatomorphosis]

Curtis, if you see this comment, please know I'm sending love and prayers to you and your family

[@mikep5475]

13:03... rachel's response and expression to the cost of the house was priceless!!! hilarious

[@Amiga247]

Oh my gosh, that family’s debt free scream brought tears to my eyes, so inspiring! 💖🙏🙌

[@accbooks22]

I love Dave. Just wish he'd let Rachel talk sometimes. 😂

[@pamsmith1665]

No we have had enough of Rachel talking

[@yontine]

@@pamsmith1665🤣🤣🤣

[@msbrig1]

She may be a good person, but her voice is not listener friendly to me. So glad to have Dave back.

[@pamsmith1665]

Makes my skin crawl ​@@msbrig1

[@NMelter]

@@pamsmith1665rude

[@rena_vations]

I love dave 🎉🎉🎉 im happy hes giving his legacy to his daughter and the other personalities. They all bring something to the show 🎉❤ All people have to start somewhere and everyone on here is great ❤❤❤❤ Keep the debt free screams. So inspiring prayers to the young family ❤❤❤

[@mmp495]

Dave's compassion and advice was point on. Nice to see him back and well rested. ❤

[@cassiefrericks4387]

Bawling at the cancer & pregnancy call. Damn. Puts things into perspective.

[@michaelaweatherman7682]

That call took my breath away 😭

[@Nigriff]

I'm glad Dave made it back safely from his Antarctic expedition

[@vikieierdam5516]

The first caller...either humble brag or, sir, if you "feel" like you're spending too much, you don't need permission to stop. My husband and I never made more than $60k when we were paying off our house and it took 9.5 years. Het after it and THEN, whew, you are giving BIG and it feels incredible.

[@angelaotero3172]

Miss you Dave thanks for helping me to have a good financial plan for my life ❤

[@alexisballard1459]

I’m smiling from ear to ear, DAVE 😅😅😅❤❤❤❤

[@marionexley607]

me toooooooooooooo

[@Nigriff]

Dave is such a great listener and has such a kind heart.

[@thebusymrs]

Oh Curtis. Prayers for your family 😭

[@georgeobed5813]

Loved the debt free scream... Working towards being debt free . Thank you Ramsey solutions . Blessings to you all

[@timchow924]

Dave is wrong about the authorized user. I was told directly from chase that the users credit can go up and down with mine. My wife’s credit was low 500 when we met. I added her as a user on my chase freedom. She has better credit than me now at over 800 in less than 3 years. Wish I knew about Ramsey sooner and getting out of debt now

[@kristencampbell5533]

The people going on 2 international vacations a year on a $200K income. When Dave asks if you're being generous, I think it would help if he says more about what that means. I think it was nice at the end when he described having a generosity dream. Also asking if they have kids or are planning to, and he could ask about college.

[@eileenwatt8283]

I guess I did miss Dave. I was watching the old shows he hosted.

[@ANTONIOANDREARAMUNDO]

Christy and Steve’s story is so inspiring, there are no words to praise your perseverance and heart that you put in 9 years, paying off debt, starting a family, helping your family during Covid. And you really look like sweet and amazing people to have around, so big Congrats!!

[@AndrewOborny]

The i love a about dave is he can tell when people will start rambling after the hosts asks a question and he is quick to cut them off and get to the point. Saves time for more advice

[@angelwings1]

I love Dave & Rachel together. Also, please do more debt free screams!!!

[@garyhaun]

Dave & Rachel... Best co-host team...!

[@sagarrana7517]

The GOAT returns!

[@purainteligencia]

Oh nice a New Ramsey Personality! Lets see what hes got. Glad to see you guys add some experience. 😅😂

[@adamaerni4020]

I don't know what to think anymore when I hear Dave say he's got friends who vote wrong. Our politicians are so messed up I don't believe there is a right way to vote anymore.

[@rockymountainfacet5958]

God Bless the Dave Ramsey Team!

[@hellenmbithe6099]

That scream got me. I will do it one day with my family!

[@fg-pd5mh]

Finally, I'm back to KZbin to hear David wisdom !!

[@morganthyde]

You’re a hog farmer who’s gone hog wild 😂😂😂😂 This is why I watch the Ramsey show

[@Blu_Slime]

I love Rachel and her love of conspiracy theories

[@MrCrackerdude]

This was a great episode not because of callers but because of Dave’s wise words. That vacation did him some good!! lol

[@crgmonroe]

This phone call(Reed?) is a low key flex. The guy knows they are doing fine. 80K in the bank, debt free He just wanted to hear it from someone

[@vikieierdam5516]

Caller #2...Rachel's face...priceless!

[@elizabethwollmann1099]

Missed u Dave !🇨🇦

[@gourabsarker9552]

Mam how much do you earn in Canada? Plz reply. Thanks a lot.

[@monicadhenderson8670]

Welcome back Dave!! We love ❤ & miss you 😊

[@cherylknight8239]

WELCOME BACK DAVE 🙏

[@alexisballard1459]

1:28:19 to Dave’s point about credit card users, my step dad added me to his card when I was 18 as an authorized user, and the account showed on my credit report. However, Dave is right to an extent. When I was removed as a user, the account disappeared from my credit report so in a way I wasn’t liable, but I did benefit from the account while I was on it

[@3roachkidsdhe]

Very happy Dave is back!!

[@carmelaestrella3854]

Finally Dave is back!!!

[@ladyt5571]

Can we talk about the music! I love it when they go on break or come back. that music is great!!

[@gracecase998]

Love Dave at 41:11 quoting the late and great Charlie Munger. The three things that hold people back: "Liquor, ladies and leverage". Died laughing. Thanks Dave for that one.

[@chpppbgs]

Dave you’re wrong. Adding someone as an authorized user does build or breaks their credit. I’ve done it . That’s the purpose of it

[@motoryzen]

Other way building one's credit Score should not be the goal The goal should be building well wealth

[@amireallythatgrumpy6508]

It only breaks, never builds

[@sandrasalman5767]

Welcome Back Dave😀.

[@shelleysemczuk2879]

SUPER encouraging show today. I needed this today

[@deanoz3800]

YES, DAVE!!!!!!!!!!!!!!!

[@hdsensing]

We need Sharron to make an appearance on the show. Maybe have her call in as the wife of a husband going into debt with real estate? Of course, that would be a fake call and the other calls are real. We hear so much about Sharron though. I met her years ago at a party...wonderful woman.

[@Trustbutverify2651]

She's been on George and Rachel's Happy Hour.

[@Pandorash8]

Here in Australia, authorised users, in my experience, don’t have their credit affected by the card. I used to have a credit card that had my mother as an authorised user with her own card. It never showed on her credit report or changed her score. Maybe it’s different in the US…

[@gourabsarker9552]

At last dave is back

[@SuperBetty00]

Cristy and Steve y’all are awesome loved your story ❤and Dave those kids need a certificate of some sort wow amazing story

[@brandihoule6060]

“We met our deductible for 3 years”. No offense but, we are the medical messed up family. We meet out out of pocket every year. (15 years ago we spent $99,550) in 3 years in medical.) We are rockin the baby steps (will have the house paid off in 4-5 years). But I would give it up for 5 minutes with Dave or Rachel. Just to make sure that we are doing this right. Still happy for you guys! God bless, LOVE you all. ❤

[@Kevin.Grindel]

Go to nashville for one of there events

[@brandihoule6060]

I can’t, we still have 30K in current medical payments. I’d LOVE to talk to the amazing Dave. I mean, I work full time, but should I get a 2nd job. But, having Papa Dave in my corner helps.

[@christabellecarpenter2354]

Michael the hog farmer....really? You put a hog shed ahead of your wife? Dude.....i grew up on a hog farm too and the stench is terrible. I wouldnt have been as polite answering your question as the hosts were. Too many I's when you talked.....farmers dont succeed without a strong family support behind them.....standing with them.

[@brytib200]

This new guy way better than the other guy😊

[@savanah1407]

❤❤❤❤

[@curvygirlzrock8836]

Happy Dave is back…🎉

[@deb9806]

I had twins that traveled to UK for a month and one of them did have it effect her credit a little and the other didn't when they took out their own credit card years later. I took her off, it was just laziness I didn't. It helped them keep their debit safe and now they pay as they go with credit and have high 790 and 810 scores. They hate debt.

[@VanessaDennise]

I love when it’s Dave and Rachel! 🎉🎉🎉🎉

[@missvipchicago]

Really enjoyed today's show 👏🏻👏🏻 God bless 🙏🏻❤️🕊️

[@Abdulaziz2003]

Grandpa Ramsey is back!🙌

[@misssoupflakes805]

Missed you Dave ❤

[@nickhernandez7688]

Welcome back Dave🎉

[@homeboy391]

I love that: "the advice is worth exactly what you pay for it". Nothing. Lol! Love that saying

[@rachelseiferle1262]

Dave is the Best!❤

[@tiffneybowser3787]

You do get credit as an authorized user. It’s actually how my dad boosted my credit when I bought a home.

[@silverfresh]

Not all companies report for the authorized user. A good way for young adults to get a boost early on.

[@LA_Confidential1]

Missed Uncle Dave!