Your Payments Are Keeping You Middle Class | October 23, 2024

[@hereforthebs8655]

Primary example why you don't buy a house with someone you're not married to.

[@cynthiawlaughlin5435]

I’m telling you. That’s scary. But a million dollar home?

[@Brucefulness]

​@@cynthiawlaughlin5435she didn't buy a house with him. He bought a house

[@willtacoma2ndgen661]

The first caller is the problem and claims to be the victim. She either got caught cheating, and her husband filed a complaint against her in the judicial system, and the judge decided in favor of her ex-husband. There is no way a judge will evict a woman from her house without cause in America. She called, crying to be the victim, as usual.

[@matiasloyola300]

The more I listened to that first caller the more I wanted to put a restraining order on her as well .. She is a handful

[@mmp495]

💯

[@AndreaPerres]

Finding this show made me have a purpose with my money . I was not spending my money wisely . Now I’m excited to now plan out my expenses and see my debt go down . I am so happy i found this platform . I truly support what you have created .

[@Trustbutverify2651]

The first call is beyond the ability of a call-in radio show to solve.

[@willtacoma2ndgen661]

The first caller is the problem and claims to be the victim. She either got caught cheating, and her husband filed a complaint against her in the judicial system, and the judge decided in favor of her ex-husband. There is no way a judge will evict a woman from her house without cause in America. She called, crying to be the victim, as usual.

[@LordBass]

I question the level of involvement of the screener to allow a chaotic call like that on air.

[@Kayyynicoleee]

@@LordBassI thought 💭 the same thing 🙏🏾

[@MrPabzo]

​@@willtacoma2ndgen661agreed. Something isn't right. Then she broke the restraining order.

[@robaustin3258]

Yes,

[@TimeMachine7773]

Don't PRETEND TO BE MARRIED! If the man doesn't marry you, don't give him the benefits of marriage!

[@striperkid]

........same goes for the woman. Don't be giving her the benefits without the commitment.

[@ClutchSling]

First caller sounds like she had that restraining order coming

[@YouMissedBro]

Lmao "property damage but it's MY house". So she admits to destroying property which is something only a crazy person does

[@willtacoma2ndgen661]

The first caller is the problem and claims to be the victim. She either got caught cheating, and her husband filed a complaint against her in the judicial system, and the judge decided in favor of her ex-husband. There is no way a judge will evict a woman from her house without cause in America. She called, crying to be the victim, as usual.

[@striperkid]

I had to bypass that call. Couldn't deal with the crying and sobbing.

[@jasondima1411]

I don’t believe her. She sounds like she blacked out and got violent and now she wants to play the victim

[@jasondima1411]

I don’t believe her. She sounds like she blacked out and got violent and now she wants to play the victim

[@GillerHeston]

The avg. American is having a tough time, I know I am not alone. There are others in same position as me. By certain statistics: 22% of americans have no retirement savings. 64% are worried that they will not have money in latter years while 47% of adults who are not yet retired think they have to work part-time in retirement. How can I best grow the 100k I have saved seperately outside retirement access which of course had depleted over the years?

[@eloign7147]

It's recommended to save at least 20% of your income in a 401k. You can use online calculators to estimate how much you should save based on your age and income. Saving at least 20% of your income in a 401(k) can help ensure that you have enough money to retire comfortably. By saving this much, you can take advantage of compound interest and potentially grow your retirement savings over time.

[@rogerwheelers4322]

Effective personal finance management is more important than the amount of money saved, regardless of whether income is earned through job or investment. Individuals can seek counsel from a certified financial advisor to optimize financial outcomes, who can provide specialized advice and methods to decrease expenses and maximize income.

[@joshbarney114]

I completely agree; I am in my mid 40s, approaching retirement, and have approximately over 2million dollars in external retirement funds. I am debt free and have very little money in retirement funds compared to the total value of my portfolio over the past three years. To be honest, the Fin-advisor can only be neglected, not rejected. Just do your due diligence to identify a fiduciary one.

[@FabioOdelega876]

This is exactly how i wish to get my finances coordinated ahead of retirement. Can you recommend the financial advisor you used to get ahead?

[@joshbarney114]

‘’Marisa Michelle Litwinsky’ is a highly respected figure in her field. I suggest delving deeper into her credentials, as she possesses extensive experience and serves as a valuable resource for individuals seeking guidance in navigating the financial market.

[@GladyWednesdayAdams]

I love Jade Warshaw. She makes my heart on fire to kill my debt! I am doing it slowly but surely! $ 32,000 down to $ 18,400.00 (updated) in debt. Won't make it to Dec 20024 target but that is fine. I am moving forward and new target date to be debt free is February 2025. I can do this!

[@Trustbutverify2651]

Way to go! (And she and her husband cleared up a lot more debt than you have!)

[@ClutchSling]

For the RV caller, no further conversation is needed, buying it in the first place spoke volumes, she needs to cut her losses and run for the hills, fast and far

[@kirstenrose8283]

Jade and Ken are a good pair!

[@Beliefacy]

Man I'm loving the content so much I've got and read everyone's books and gotten through a LOT of adversity throughout the process of budgeting, saving, & staying busy!

[@Joce123]

The woman with a restraining order needs a counselor

[@sneakerhead240]

First caller is insane, irrational, and unstable... no wonder he got a restraining order against her. She violated it multiple times? What a nut job.

[@Trustbutverify2651]

@@Lelalu84 Actually, I don't think anyone on this thread agrees with your assessment.

[@taz24787]

I came to comment exactly the same ... "I can't get a job because of the restraint order" ... F***OFF ... She's a compulsive vctim playing liar.

[@Trustbutverify2651]

@@rusticrebuilds The comment that I was responding to was removed. You will see I was writing back to Lelalu84 which is no longer on the threat. I was not responding to the original comment.

[@rusticrebuilds]

@Trustbutverify2651 i understand I'm sorry have a good day

[@toricarrillo5165]

Idk how it is in MO, but in CA you can’t just contact a judge. Maybe she can file a motion with the court to get a hearing with the judge.

[@willtacoma2ndgen661]

Its everywhere, you can't just contact any judge in America. There's a protocol to do before any judge can talk to you. She is just a complete liar. She either got caught cheating and the judge decide favor on her husband. There's no judge in America will evic a woman out of her house with no cause.

[@TulsaDude]

Sometimes you can contact a judges office, that's probably what she did. Either way, she's a mess.

[@seanjean9677]

1st caller cannot control her emotions

[@TulsaDude]

And that's exactly why she has a restraining order, ding ding, what a psycho

[@Danielle.Wordsmith]

I enjoyed the show Jade and Ken.

[@KLA2789]

Jade is such a beautiful and intelligent lady. Love her

[@smalltownglobalproductions]

This thing with the restraining order and not being allowed in the house is a sticky one. You have HOME RIGHTS no matter whether you are married or not. I'm not sure he can kick you out officially due to a restraining order. If so, you still have HOME rights. I recently wrote an article about this. Get a lawyer who understands this and is willing to fight for you while respecting the restraining order. The restraining order is about HIM, not the house. It's possible that a smart judge might suggest you BOTH LIVING SOMEWHERE ELSE until this is settled.

[@jodecirios1041]

Love when you two are together.. super funny great chemistry

[@Brucefulness]

First caller is cray cray

[@willtacoma2ndgen661]

The first caller is the problem and claims to be the victim. She either got caught cheating, and her husband filed a complaint against her in the judicial system, and the judge decided in favor of her ex-husband. There is no way a judge will evict a woman from her house without cause in America. She called, crying to be the victim, as usual.

[@dudeorduuude5211]

No, she is just emotional and stuck in a loop. Man up and learn how to maneuver emotions.

[@HolyFamilyHomesteadWV]

1:03:30 you’re not entitled to their money, and they’re not entitled to you being any kind of caretaker. Tho it may be the right thing to do for ALL your siblings equally, that doesn’t mean that they’re obligated to your money or services in their elderly years.

[@g00bers24]

Video starts at 11:07

[@mellowbirddreamer77]

😂

[@paulp8159]

for the last caller. you guys are ahead of us in your financial jounrney by 5 to 10 years or so. however, my wife and i have an agreement that neither of us will retire until after the house is paid off. perhaps you guys could agree to something similar to relieve any worries of an outstanding mortgage by his retirement regardless of your net worth unless it's medically necessary to do so.

[@seang3538]

1st caller is a wacko

[@dashadynamite88]

Agreed

[@rushedinternet1505]

They love playing the victim. She's crazy. You are entirely at fault if no one is helping you, including the lawyers. Because they always side with the woman when it comes to DV. She needs to take accountability. Crocodile tears.

[@kw3113]

As soon as she wouldn’t say what he lied about I knew she’s the problem. Judges don’t give men restraining orders and kick a woman out of her house for no documented reason.

[@lynnmoisoff9968]

Not nessisarily, being in dv rocks your world. Anyone can make up anything. I've been there and I'm on the other side now. It's such a tough place to be.

[@willtacoma2ndgen661]

Exactly you are 100% correct. The first caller is the problem and claims to be the victim. She either got caught cheating, and her husband filed a complaint against her in the judicial system, and the judge decided in favor of her ex-husband. There is no way a judge will evict a woman from her house without cause in America. She called, crying to be the victim, as usual.

[@TulsaDude]

Most commonly, she made a threat. And if she did that on a recording or by text/message, all he has to do is file a police report then go to court. Usually though , if she still have property under her name, she can make arrangements with law enforcement to retrieve things while the other person is not present. Now the house is a major legal issue

[@zenal3036]

Wonderful show. Great advice and insights!

[@monicamitchell4060]

Buying a house with someone while married does not make it much better. I left our house after a domestic incident and was not allowed back to get my stuff until I had a signed letter from an attorney because I did not press charges. All the lawyers do is take your money and continue the case as long as possible. I ended up settling after wasting almost $10k in lawyer fees. I did not get half of the home or anything in it. However, that is the price you pay when dealing with a narcissist.

[@jasmines.6325]

How did you not get 50% of the marital home?

[@luisasipple9315]

You can buy a property with someone you are not married to as long as you document your right correctly You can be Tenants in Common or Joint Tenants. When the house was bought, the title lawyer or stent would have documented how these two individuals were securing the deed ownership It is not advisable that boyfriend and girlfriend buy a house but if they do, this is how they can protect their financial assets

[@rohan3542]

Never buy a house before you are married. And the first caller might not be the victim as we think, as we only get her point of view and she seems like a mess

[@rushedinternet1505]

She's clearly not. Especially when the police and lawyers don't want to really help her. Because they always side with the women even when they are at fault.

[@tinad8561]

@@rushedinternet1505Gabby Petito begs to differ.

[@annbroughton2145]

Jade and Men you are my favorites!!!

[@luisasipple9315]

Carli, 1. breath. This too shall pass. Learn from this costly mistake 2. There is legal aid. Seek Keshia distance at a fraction of a price 3. With you name on the deed and the loan, when this property sells, you have to agree to sell it and sign off on documents. The ex-boyfriend can’t just legally remove your rights to the deed

[@ch3ngg]

i was called old fashioned when i was curious as to why my colleague was helping her daughter buy a house with the boyfriend of a year. i really don't understand some things where people want their cake and eat it too but the risk is too great to take on.

[@MollyMA13]

Terrifying and heartbreaking to hear her voice in that call. She’s obviously distraught.

[@mmp495]

Are they in a good financial place to do so?

[@MollyMA13]

@@mmp495 buying a home with someone you are not married to is never ever a good financial decision. Let alone emotional.

[@jasondima1411]

The first caller is the highlight of the show

[@freedomtaxoffice]

Jajajajaja “ You life it’s an absolute disaster “ jajaja honestly! Love it 😍

[@eazonthru6988]

First caller is big mad because he weaponized the government first. Uh oh… consequences.

[@actuallyterry]

I agree. If an attorney won't help you, then it probably means, they can't see how they can win the case.

[@rushedinternet1505]

She doesn't need a 'good lawyer'; she needs to get the help she deserves at Better Help.

[@yourfavnurseb9699]

lol they slid that better help ad in right after her call😅

[@CorinePreusz]

I can't focus. Jade's hair looks TOO GOOD!!

[@bluebelle9572]

I 💜 it too!

[@LoVe-kl4zl]

Oh because she whitenized it?

[@CorinePreusz]

@@LoVe-kl4zl No, because it's pretty and I wish my hair looked that good

[@mmp495]

First caller, please get counseling.

[@barbarayoung190]

Motor homes can cost much, much more than 240k. It is a very expensive way to travel.

[@tlberg7231]

Sarah's call - can she add on to her real estate income by looking at real estate law? People need lawyers for that all the time.

[@ryanl3812]

Glad Deloney wasn't on for the first call.

[@kingakhenaton5111]

This has nothing to do with if they’re married or not! she’s on the deed. It’s her house as well. They to work it out just like married people do!

[@actuallyterry]

I wonder of the 1st callers name is on the deed of the house or if he just bought it while they were dating.

[@pamsmith1665]

She said it was in both names

[@ironprice]

I bet she did it.

[@lilly-annbennett7314]

1:02:22 I don’t think like this honestly, I believe I’m not obligated to what my parents have and they can spend it however they want to, so I would have just been grateful I got smth… It could be a case where they think she is more financially stable and don’t need as much as the others…

[@JennyinJanuary]

I feel the same way ! I could never dream of getting anything like that from my parents that alone would make me forever grateful she’s such a brat who cares that her siblings got more people are so entitled it’s insane !

[@kathyfrommn8752]

I don't understand maxing out on 401K, etc. How much is maxing out? How does that work?

[@notgivingmyemail3381]

The government sets limits on how much money you can contribute to 401k accounts. “Maxing out” means contributing the maximum amount allowed. Search the internet for 401k contribution limits.

[@ThemommaBear195]

Jade!!!❤

[@rockpaperscissors.]

Phillip eating beans and rice! 🫘 🍚

[@Trustbutverify2651]

Jade, Jade - you can do a LOT better than $80 a month on the phone! So many plans to cut back on the phone. All the major carriers have their own secondary carrier that uses the regular towers, but for far less. Also, can he add his phone to his Internet for less money? Philip - if he is a band director, PRIVATE MUSIC LESSONS AND COACHING as a second job - much better and less stress than Amazon.

[@mrsterious5845]

First caller: 1. Viewers get only one side of the story 2. Ex boyfriend could be a manipulative, controlling abusive jerk. Or he could be the most reasonable person alive. 3. Caller dropped a few red flags, suggesting she has issues. Violated a restraining order. Multiple times. Suggests boundary issues on her part. Claims no one is willing or capable of helping her. Judges will not respond to ex parte communications. Police can typically do what I believe is called a civil standby , which would allow her to retrieve her belongings. It's not believable that no lawyer understands her situation. If the RO was ex parte, she might not know the grounds for a judge granting it. However, she explicitly stated several times that her ex lied. That suggests she knows the reason for the RO. It's not believable that she can find no source of income. Door dash, Uber Eats? Any job where the requirement is you are breathing? Her reactions during the call suggest that in HER mind she is being treated unfairly and unreasonably. She does express herself in a way suggesting she feels overwhelmed. Whether that's a performance or not is impossible to determine without hearing the side of everyone involved. Considering the call in it's entirety, there's good reason to take the caller's statements at face value.

[@Scarface_445]

She committed a crime, he reported the abuse and got a restraining order, she then committed another crime again (multiple times as she admitted). Her parents don’t believe her lies, he was brave enough to leave, and now she chose a radio show to call into and get attention. Dime a dozen girls like this. I’ve enough so many that do this shit 😂😂😂😂

[@TulsaDude]

💯

[@richardhook758]

The lady with the mold - air scrubber is rubbish don't rent this!!! Ken was right dry it out, get a heater or dehumidifier. Air scrubbers are a scam

[@striperkid]

Amy from San Fran.....really? Getting any monies from parents is a "gift". Be grateful you got anything and forget about what your sisters got. Life isn't fair.

[@kaylatoscano5281]

Gee that first caller is driving me nuts.

[@loriej9297]

Phillip in Little Rock could claw back $150/month if he switched to Cricket for $30/month and gave up tithing until he is out of debt. That's not chump change!

[@TulsaDude]

Gave up tithing?

[@loriej9297]

@@TulsaDude Yes. He's giving $100/month to his church.

[@loriej9297]

The screener who let Carli's call through needs to lose their job.

[@LoVe-kl4zl]

Exactly

[@TulsaDude]

Why, that was great radio. Everyone is commenting on it. The best calls are trainwrecks

[@TulsaDude]

​@@LoVe-kl4zlwhy, the dumpster fire brings the crowd

[@loriej9297]

@@TulsaDude Absolutely agree! But you could barely understand most of what she said; Ken and Jade seemed really uncomfortable; and it was waaaaaaay past a trainwreck. She was completely unhinged. It felt dirty.

[@2dodger2]

Jade, it’s $260,000, not $240,000.

[@Elizabeth_lowkeyluxuries]

Annie's husband didnt blow his inheritance on hookers, he invested it😂 I'd have a hard time resenting someone for choosing how to spend money left to him by a dead family member hes probably grieving regardless of being married.

[@bluebelle9572]

That’s my thought as well. When they’re ready to retire, they can always take out a bit to finish paying off the house. The money isn’t gone. 😅

[@ProgrammingWIthRiley]

lol these people are in over their head. 8:49

[@AhaItsMarii]

3:01😒 yeh what did he lie about. I dont know much about people but i know you did something shameful and you're pretending you were wronged.

[@joshuabrown3376]

😂😂I only got 60,000 😂😂 Hilarious statement in my eyes

[@SidewaysEightSix]

The first caller was avoiding answering questions but gave enough to make me think she was recently arrested for Domestic Violence. Both sides need a lawyer. Now.

[@bluebelle9572]

Yep, the quicker that mess gets sorted and ended, the better. For everyone. 😊

[@JoeMNPT]

Why are we calling the dude who “has listened to Ramsey since high school” but just went out and bought a vehicle that “interferes with his investing” smart? He did exactly the opposite of what Dave teaches, then calls a few weeks later asking what he should do. Should’ve thought about that before taking out the loan guy.

[@MollyMA13]

Everyone makes mistakes, my dude. They’re called him smart for realizing the mistake he made and trying to fix it just a few months later, rather than trying to make it work for a few years and really getting himself in some hot water.

[@JoeMNPT]

@@MollyMA13just doesn’t make a lot of sense. “Yeah I’ve listened to the show for a long time, so I went out and got a vehicle loan, now I can’t invest like I want-what should I do?” Yeah-good for him, I guess, for calling in before getting 3 years down the road on this.

[@TulsaDude]

I mean he's 21, it's not that surprising , probably tried to impress his colleagues (seeing that he is in construction and a young guy) and possibly his girlfriend too. At least he's trying

[@Scarface_445]

2:41 She’s lying 😂. Had a gf do this exact same shit.

[@ChilledNurse]

Idk first caller made it seem like the dude really needed a restraining order. I mean we’re talking about a million dollar house and she’s saying “the dog is the most important part”. Red flag.

[@BriEly3]

@@ChilledNurse that’s true! You brought up a good point! Why didn’t she take the dog when she went into the house if this was the case?

[@TulsaDude]

She probably tried, this isn't a rational situation

[@BriEly3]

@@TulsaDude and that’s why she was charged with theft maybe? There’s so many questions and she’s definitely not telling everything.

[@elhar5966]

He seems like he was a smart man 🤷

[@LoVe-kl4zl]

What's your household income "hE LiiiiiiiEd!!!!"

[@BriEly3]

The lady at hour 3 minute - salty potato chip lady - I truly hope you listen to this and think. I get you feel it’s unfair but yikes. I can’t imagine being a grown up and asking my parents for 100k.

[@anniethomas451]

These are three lucky girls. This daughter just needs to ask her parents why she did not receive the same amount.

[@striperkid]

@@anniethomas451 no, she doesn't need to ask anything. Be grateful you got a dollar.

[@TulsaDude]

She can still ask. Just ask, ​@@striperkid

[@striperkid]

Annie from Boston. Your husband is 7 years older than you so his thought process is a little different. You both had $700k in investments before this inheritance. I can see his point of view as he wants that money growing in interest as you both pay off a stagnant mortgage. Retirement is creeping up on him so he wanted to play it this way. Either way, the money isn't lost or blown away on stupid stuff. Your problem is beyond his decision to invest it. Go seek marriage counseling.

[@lilaschwarz1236]

How can one make 90.000 Dollars a year and not be able to pay 2000 per month towards debt? What kind of expenses does that lawyer have? Are her rice and beans covered in a layer of gold? Being in debt means you're broke. She wants to look wealthy while being broke.

[@mazenalsharekh3125]

At 65! Cool

[@ChrisColemanII]

Female narc is the first caller

[@joshuadavis318]

The house is half yours so rent your half of the house to a gang member or drug dealer or hillbilly it will force him to do something and it will provide you with some money.

[@NicoleHoughton-hj4jv]

MATERIALISTIC GARBAGE! Best solution to money woes is not to get sucked up into owning things you simply do not need. Most people dp not care if are breathing so why feel a need to look a certain way in there eyes. Shed that shit be yourself.

[@willtacoma2ndgen661]

The first caller is the problem and claims to be the victim. She either got caught cheating, and her husband filed a complaint against her in the judicial system, and the judge decided in favor of her ex-husband. There is no way a judge will evict a woman from her house without cause in America. She called, crying to be the victim, as usual. She's a liar

[@Demonizar]

Dave on vacation again, where art thou

[@MollyMA13]

In the episode w Max Lucado, Dave was saying that they’re going on a vacation soon. I can’t recall where he said tho…

[@Demonizar]

@@MollyMA13 might be the Cruise in March, but I think Dave and John are doing the money and relationship tours

[@YouMissedBro]

He's doing podcast circuit, just was on with Tucker and spent a few days with him in Maine

[@amireallythatgrumpy6508]

@@Demonizar Dave takes a 1-2 month vacation about 3 times a year these days. Can't blame him.

[@michelleh9794]

The money is better invested than paying off the mortgage the opportunity cost is far greater. Your husband made the better choice u

[@WendyW7508]

Hi, I read ur perspective, and I wanted to share mine. I have gone down the rabbit hole as they say since finding this show a few months back. 1 thing i came to understand listening to these messages over and over is that the formula here is not only a financial one. The thing about paying off all debt, including the mortgage as fast as possible is to give us humans peace of mind and a modicum of safety regarding the " dark days" that each of us have at times in our life. Also the interest we don't have to pay is a big motivator. I added mine up on a mortgage calc, and OMG. I had no idea. And ultimately, if we do what the formula is, for me, I'll own my home, have no debt, have a college fund for my son started, and 20 grand in the bank in 6 years. I'll restart the 401k next September or October next year, so that's only held for a year. Imagining what I will be able to do with my entire check minus food gas and utilities, and the security i will have owning my home outright has me motivated again and again. That is priceless to me. And has little to do with money. Have a great day!

[@striperkid]

I 100% agree.

[@TC2020-w8u]

You are NOT going to make millions by saving 625$ a month. It just won't happen. What a canned response theseSo unrealistic. unrealistic.

[@LordBass]

According to the math, $625/mo at 8% growth from age 25-65 is ~$2.2M. That's a better plan than giving up.

[@TC2020-w8u]

@LordBass good luck with the 8% continues growth. P.S. Ramsey personality do not inderstand inflation! Pur that into your equation and No million dollars for sure.

[@Trustbutverify2651]

@@LordBass The RS personalities think they can predict what the market will be like 40 years out? Seriously? When we have seen the lightning fast rate of change in the country in even the last two years? STOP, RS, JUST STOP with making promises about the market you can't predict.

[@TulsaDude]

It's not a promise about the market, but please enlighten us, what is your plan

[@Trustbutverify2651]

@@TulsaDude My plan is working with a very good financial advisor who has done very well for us - worth every cent of her fee as my husband and I would NOT be spending our time pouring over investments. For our own "fun money" investments that we do ourselves we have invested in utilities and dividend stocks - no matter what the housing market is going to do, everyone is always going to need the utilities. It's also done very well for us with slow and steady growth over the years.

[@john-o1g9p]

why does ken look disheveled and hung over?

[@TC2020-w8u]

Absolutely the worst personality combo

[@isidorolopez265]

Why do you say that worse personality combination please explain why you say the worst personality combo please?????

[@TC2020-w8u]

@@isidorolopez265 why do you care?

[@pamsmith1665]

I hate how he gushes over her. And she loves it

[@Trustbutverify2651]

Jade playing with this new hair is very distracting on the video.