The Ramsey Show (June 14, 2022)

[@cathy3701]

I love George as Dave’s co-host. Great exchange of energy & advice.

[@JoseGarcia-vr8mx]

I'm glad that Dave Ramsey is the voice of reason during these crazy times.

[@overlandecuador8893]

We’re debt free!!!!!!!!!!!

[@ryannparker9191]

Congratulations!

[@samuelbudgets6312]

They should do a show on all the divorces the Ramsey show has caused

[@NixingItWithNikki]

A debt free ASN is the wisest choice. An associates degree nurse takes the same state licensure exam as a bachelor's degree nurse. Then you can take that associates degree straight into the workforce and begin earning a great income (on average a BSN only earns 1 DOLLAR more an hour than ASN). Most employers have financial assistance for advancing your education in exchange for promised time in their organization as a Nurse. If you have no debt, it wouldn't be out of the realm of possibility to cash flow the advanced degree as most programs are online and self paced now! Do the ASN kid. You won't regret it.

[@rayn1ful]

i like the beans and rice diet , when someone wants to borrow money or you have a debt collector coming at you , tell them you been eating beans , they wont come near you. lol

[@lmao1915]

How many people does George have to do his hair ?? It’s always perfectly in place and so voluminous

[@hildamiller-3816]

like George hair

[@nyemartin5737]

He mentioned in a recent show he goes to his barber every two weeks.

[@hildamiller-3816]

@@nyemartin5737 high maintenance guy

[@dianaramlochan6878]

Never noticed before… now I can’t get my eyes off his hair…oh no.

[@ryannparker9191]

He gets free interns from the local beauty school 🤣

[@carolannstevens5814]

Great to have DAVE and personalities in the crazy times…. Thank you! Listen daily!

[@bloren8137]

I agree that saving, saving, saving and being productive are the ways out of this on a small scale. Not having car payments and things like that are critical to survival. That said, we are in very complex financial times, we should expect a lot of weird things. There has been a LOT of foreign, hedge fund and IC investment in residential real estate in the past few years. It is very hard to predict how those agencies losing lots of money will impact real estate.

[@hildamiller-3816]

I think it will go down. We don't know if the seller is selling homes very soon because of inflation. I hope you are correct Dave but we never have inflation, high home prices, and high-interest rates. People can't afford to buy a house 500k with 6% interest rate. With this inflation going? We will see what happened before the end of this year.

[@Maelu-op9gf]

It’s already dropping and interest rates are going up meaning price of homes dropping

[@sobeliever1638]

It will go down a bit. Sellers will go fown a a bit to make it more affordable depending on the buyer.

[@sarahpleasant-nowowiejski5971]

Dave, which dinosaur did you have for your pet?? Lol!! I love how you reference your age as, "When the dinosaurs roamed the earth!" The best joke 💯

[@SReneeS93]

How can a new real estate agent get to the status of a professional if they don’t get the clientele. How does someone gain the experience or a reputation if no one will hire them. I never understood why people say that. This is exactly why people lie during interviews or on their resumes.

[@thebestthingthatneverhappe6729]

preach!!!

[@rachaelholderman9677]

Dave should address this but I think he would advise new realtors to get in a mentor program with a realtor group. It seems like those are out there.

[@davidwynne4949]

Fantastic episode again. Love the debt free screams. They’re corny but they get me motivated. What a sense of relief it must be to make it to the end

[@dancebrittany23]

Poor Erica in Houston. Her boyfriend has enjoyed "husband benefits" while she is on a "girlfriend salary" if you know what I mean.

[@Nigriff]

Real estate prices actually have come down where I live

[@lilibethvilella]

Ramsey was right 😂 as usual on real estate!!!! RAMSEY 4 PREZ PLS 🇺🇸

[@bettedavis9261]

I am not a realtor, let's clear that up right away. Dave berates people for using new realtors to list their home or help them find a home. Well, how the heck can a realtor become "experienced" unless someone hired said realtor at the beginning of their career? I understand Dave's pushing his "endorsed local providers," and it's a marketing ploy. It still leaves me flummoxed as to how a newbie can gain any kind of experience if no one will hire them because of their lack of experience.

[@ericwright3710]

Hello Maureen! Like you I'm not a realtor, and I see what you're saying, however would you rather have an experienced realtor help you with your 500k+ purchase or a "newbie"? When you're selling or buying a home an experienced realtor won't overlook certain things a newbie is not used to (especially in this market) and it could cost you more money. Even if it's not a Ramsey endored realtor you'll still come out better using a realtor that's moving dozens of houses a year vs. someone who struggles to sell bomes. Respectfully, that doesn't make sense to you?

[@bettedavis9261]

@@ericwright3710 perfect sense. I, too, have only used experienced realtors for my house transactions. But someone's got to give the newbies a try. Actually, if they're smart, the rookies will start working for an experienced realtor on their "team" in order to learn the ropes.

[@overlandecuador8893]

A newbie always learns from those that have faith.

[@elway423]

Real estate teaching points at minute 8 were great!

[@moneywithjustliving5258]

Pay everything off that you can and watch what your spending and start saving money like a mad dog.

[@waveiconz3649]

I here this on the radio all the time

[@kratostomatoes8587]

1:26:40 "Do you really think the American economy is going to implode?" Yes.

[@clint7237]

I❤️Dave One question tho..with a household income of $160k actual useable income in step 6 is only around $80k right? 15% investments+10% tithe+ 20% tax rate+ 5% req health ins = 50% How can you pay $5000 out of $7200 towards mortgage and still live life on $2200? Thats just the 4 walls 🤔

[@jennimay5531]

I need some financial advice where do I go to get it from Dave Ramsey?

[@kcender3771]

Dave, why do so many people attack your approach? W/o listening, I have done pretty much the same thing you advocate and it has worked out for us. What's up?

[@DripGene]

People are SOFT.

[@kathryntubridypakenham2743]

from what I have seen they don`t attack his approach (though some do disagree with some of his principles) they don`t like that he calls people stupid if they don`t agree with him

[@JKNat9004]

They don't want to hear that they have to work hard and refrain from buying everything little thing they desire.

[@karenreneerobinson5479]

Because there’s to many people that want to live for the “NOW” and don’t think about their future and where they need to be for retirement… Why? because it’s so far away; not! Time flys and Ooops your there and broke. I’m weird because I was already planning what I wanted to do job wise when I was still in Highschool and where I wanted to be when I grew up and retired. Yes, there were a few speed bumps along the way but I achieved my goals; with a vision in mind… Never said I was normal right😏. I wish I knew about Dave years ago and I would have put move in my 401k but saying that, I still did it myself👍🏽. What Dave teaches is spot on… Dave’s advice works because I did it on my own years ago. Looking forward to Daves event in Dallas, TX in October.😊

[@igot5onit423]

It's a lot smarter to put it in the S&P rather than throw it at the house.. You're gaining more compound interest for 1 And if you put it at the house you would be paying more For the interest on the house rather than the principal to pay it down..

[@Serjical23]

money you throw at the house you would obviously have applied directly to the principal...saving you on interest

[@Daniel_ATL]

I think Dave is wrong about the crash because they will be a big wave of lay-offs coming and people won't be able to afford their cars, houses, and personal debt. Maybe I am wrong, I am waiting for the crash to buy a rental.

[@rachaelholderman9677]

So glad this won't affect us since we paid off our house.

[@Maelu-op9gf]

@@rachaelholderman9677 it’s the ppl that bought in the last year that will be stuck with negative equity

[@rachaelholderman9677]

@@Maelu-op9gf so true. I was very fortunate and maybe made an unpopular decision to sell my house and move in with my husband when we got married last year. He did his best to "debachelorize" the house to make it ours. Between my house proceeds and his savings about FFEF we paid off the house in January. Now we can live on my income while he starts up his own business. Being intentional is the key.

[@georgiannmaloney6594]

Could you do a show about if it is wise to buy an old home and renovate it to live in,? Southern Indiana location

[@KC-dr3cg]

They could get a guaranteed 9.1% i-bond..No tenant nightmares. No tornadoes, fires, ..

[@rohansmith7226]

I am 35 years of age; no debt, 13,500 in the bank and I want to buy a house. Should I get a condo or multi family. I’m pre qualified for 320,000 mortgage. Should I wait and save some more? I earn 65000 a month.

[@frumpusnumpus]

So he can't afford a ring but could afford a child?? 😂What is this world coming to?

[@SHAWNA499]

Are there any really poor people that call into this show?

[@kcender3771]

Pretty sure they do Shawna499, why not? I'm not saying you are saying this, but truly poor people want the same thing and have the potential to do so. I started very poor, but ended up okay. It took a LONG time, but it did. Good luck!

[@thirdintegra]

I've heard plenty of calls from people in really desperate situations

[@sameasnone]

Yes

[@SHAWNA499]

@@sameasnone thanks

[@mmp495]

His principals apply and help all no matter how old, young, rich or poor. Keep listening. 🤗

[@sarahlockridge7879]

I pay $333 a year for $700,000 term 20 years🙌. Banner life

[@Serjical23]

lol $22,000 on a Hardley Ableson

[@davidtangen8189]

The movie jury duty with play shore the ending Sam stun gun and tied up the Sam way and the movie speed was also used

[@samuelbudgets6312]

Like when u said inflation was transitory u didn’t say it was coming

[@babycomo]

Ah yes, more lying about the American economy. Classic Dave. Stick to the basics my guy. And to add, his Retirement income argument is a direct contradiction to what he said earlier in this very episode. If you withdraw when stocks are down you lock in your losses. When the market is down, you need to be very tactical in how you withdraw.

[@Skye_world88]

I think I can sum up Ramsey’s principles pretty well: 1. Taxes don’t exist: oh you earn 50k per year, well you can put 45k per year towards your debt because in my world taxes don’t exist. 2. Kids don’t need much, have lots of them! All they need is some food and diapers. 🥴 (daycare cost, clothes, furniture, room, school costs etc don’t exist in my world) 3. Get married as soon as possible. Then lose half your money when you divorce, because you were a good little Christian and did not live in sin. Or be miserable your whole life and have bunch of affairs on the side. 4. Live off of rice and beans. No need to enjoy life. You’ll probably die before retirement anyways so at least your kids will get some money to then not have any work ethic themselves.

[@greggo3080]

Im 28, follow the principles and im living a pretty darn nice life. Sounds like you should be watching Grant Cardone.

[@rachaelholderman9677]

You haven't listened to too many of the shows. These are not his principles. He talks about paying taxes all the time and taking care of family first.

[@StLouis-yg8jp]

I was with you until #3. Cmon

[@jamesp9998]

@@Travis12861 he must be a saint

[@thomnguyen1328]

Anxious? Oh cry me a river!

[@thomnguyen1328]

Anxious? Oh cry me a river!