There’s a Way out of the Paycheck-to-Paycheck Cycle | April 8, 2024

The Ramsey Show (April 8, 2024)
💵 Sign up for EveryDollar today! Create a free budget - ter.li/qigloc
Dave Ramsey & Jade Warshaw answer your questions and discuss:
"I feel like I'm stuck on Baby Step 1,"
"Should I start a business with my friends?"
"My husband doesn't want to do the Baby Steps"
"I'm scared to use our savings,"
"Should we take out a reverse mortgage?"
"We have $110K in car loans with $43 income."
Next Steps:
✏️ Enter the Teacher Appreciation Giveaway - ter.li/hbdzhp
📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or send us a message - www.ramseysolu...
🏦 Take Your 3-Minute Money Assessment - www.ramseysolu...
Support our Sponsors:
Blinds.com - www.Blinds.com
Christian Healthcare Ministries - www.CHMinistri...
Churchill Mortgage - www.ChurchillM...
Hallow - www.hallow.com...
Yrefy - yrefy.com/ramsey
Watch more from Ramsey Network:
🍸 Smart Money Happy Hour ⮕ ter.li/dre4oa
💸The Ramsey Show Highlights ⮕ ter.li/tp4w1h
🧠The Dr. John Delony Show ⮕ ter.li/9l5k9g
💰George Kamel ⮕ ter.li/2ma765
💡The Rachel Cruze Show ⮕ ter.li/roya3c
💼The Ken Coleman Show - Highlights ⮕ ter.li/7ipp7e
📈EntreLeadership ⮕ ter.li/proqeb
Ramsey Solutions Privacy Policy
www.ramseysolu...
Product Links:
EveryDollar Premium Version Physical Gift Card: store.ramseyso...
Total Money Makeover: store.ramseyso...
Questions for Humans: Couples: store.ramseyso...
New! 2025 Ramsey Goal Planner: store.ramseyso...
Baby Steps Millionaires: store.ramseyso...
Building a Non-Anxious Life: store.ramseyso...
New! Breaking Free From Broke: store.ramseyso...
New! Get Clear Career Assessment: Find the Work You’re Wired to Do: store.ramseyso...
Know Yourself, Know Your Money: store.ramseyso...

[@monicamollinedo8118]

I’ve stopped listening to music while I’m cleaning at home and on my commute and listen to them instead. Literally life changing. Recommend to anyone who will listen lol!

[@2ez87]

I also stopped listening to music. It’s either Bloomberg or nothing. Now im adding this

[@Sidhu_Kerala]

I listen this one hour per day!

[@truthseeker3376]

I was in my 50's when I found Dave, so happy I did😊

[@AdamConstantine]

Same!

[@nathangunnels8624]

I agree 💯

[@arjunasandoval7089]

I love Dave. He’s straight to the point and gives great answers.

[@ntamarkeunice9550]

I like the way Jade is listening keenly . When you are with a mentor, take as much as you can.

[@goodgirlsguide]

posing

[@shrtblondie1]

Break free from loyalty and take a job that benefits your family. I finally did it last year and when I did I realized quickly that the loyalty I felt was a one way street. Go for it and take the job.

[@butteryflakycrust4864]

It 100% is. If your job or work was no longer generating sufficient profit for the company you work for, they wouldn’t hesitate to let you go.

[@dholmes3307]

Now to find one . . .

[@BestTimeOfOurLifes]

I did the same and have soo much peace, energy m, rest, and time with the family. Remember the employer will just replace you and even pay someone more to do your job so yeah Leave and find something better before life forces you to make the leap

[@alritehamilton]

When Jade said, “Montell Williams”made me laugh! Blast from the past. Love love Jade!!

[@JefferyDuns]

I love how you take your time to educate your viewers we all strive towards financial stability and a better Life. It is easy to achieve this through the right investment, by living frugally and budgeting. I'm glad I learnt early in life to work hard for financial freedom

[@PhilipDunk]

Even though I engage in investing, I feel disheartened by my lack of expertise in assessing the performance of individual companies and determining the optimal timing for stock purchases. The erosion of my financial reserves due to inflation adds to my concerns. At this point, I require precise market trajectory information, but I find myself unsure about the appropriate course of action.

[@Nernst96]

Considering the prevailing economic climate, I recommend seeking a mentor or a knowledgeable advisor who can provide guidance and support.

[@PatrickLloyd-]

Yes true, I have been in touch with a financial advisor. With an initial starting reserve of $80k, my advisor chooses the entry and exit commands for my portfolio, which has grown to approximately $550k.

[@PhilipDunk]

@@PatrickLloyd- Who is this person guiding you and how can i reach he/she?

[@PatrickLloyd-]

Finding financial advisors like Sophie Lynn Carrabus who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.

[@moraleslauralucia]

Jade is my fav person on this show. Just more relatable. Good to see someone that has gone through the program. I love her!

[@flashthecorgi2053]

To be fair, ALL Ramsey personalities have gone through the program. George had 40k in debt, Dr. Delony had six figures in debt, Jade had six figures in debt, believe Ken had some debt. I think the only person who has never had debt is Rachel but she has still worked through the other baby steps! Some personalities are on BS 4,5,6 and others are on BS7.

[@mjax8614]

I think she's a bit scarey! But she has grown on me. Sometimes when others are presenting I imagine the no-nonsense answers Jade would give,

[@melissataulbee2048]

Yup Jade and George

[@netaneita1257]

And she’s FINE as WINE 😍🤣

[@sashalawrence4786]

@@mjax8614”scarey” get real

[@kevinmorejon9690]

Dave is the uncle we all needed

[@sherylloftin-booth4423]

Mr. Ramsey saved my life through his tapes & book series I used his methods to pay off all my debt before being laid off. Cut the cable used that money toward my debit. My old money habits long gone I’ve been debt free 13yrs. Financial Peace Univ is real. 😊

[@aeconiglio]

Jade is my fave! Brains, beauty, class and sass.

[@ses-ei7oc]

Too funny, Jade! There is a coffee truck that raises money for religious organizations near my house, and its name is "He-Brews." Genius.

[@makaylar.mr.23]

😂 that's hilarious

[@charnitaalexander5318]

There is also a stand in IL 2 miles from my house with the same name "He-Brews"

[@shenny.d]

I was part of a women’s Bible study one time called “She-Brews” there was coffee and Bible, good stuff 😂

[@dlross173]

I owned a gym, and it destroyed me, even though I did a business plan, met with mentors at the Small Business Administration, had substantial experience in the business, had my own clients, etc. It was the wrong neighborhood, wrong time, apathetic neighborhood, not enough money, no chance of getting a business loan from the bank where I owned accounts for over 15 years, etc. It was a perfect storm of crazy. Gyms are losing money unless you're in a wealthy, big chain. That young man is about to lose his friends, his money, his credit, a good amount of the best years of his life, his self-respect, and anything good that life has to offer.

[@shaywhite3946]

I subscribed to the show because this information is priceless. Dave is wise. Also, he has a sense of humor. I love the way they incorporate scripture/word of GOD during the show. After listening to The Dave Ramsey Show, I really want to start making wise decisions when it comes to my money. Jade is wise as well when it comes to money decisions. Thank you all for sharing your knowledge. May GOD continue to guide and bless you all! ✝️🙏🏽❤️

[@byzebee123]

As a mom, my heart goes out to the first caller who is pregnant. I wish I could hug her and tell her it will be ok. 75k is a great income for u and baby. A baby is only as expensive as a parent wants it to be. I would get second hand everything for the first year because they grow so fast. Unfortunately even her being 10 weeks along. If she is looking into daycare she should put her child on the wait list now. I put mine on at the same time and I waited over a year for her to go to daycare.

[@ses-ei7oc]

I hope that she gets the child support that he deserves to pay. What an a$$

[@mememefirst]

Not with $50,000 in debt. Yes she can get second hand but she still needs to pay for diapers, childcare and formula depending on if she breastfeeds or not. Hopefully her mom can take care of the baby until she climbs her way out of debt.

[@TheRealTommyBear33]

75k and lives with parents how is she having money issues that is insane.

[@PoyTroy]

@@TheRealTommyBear33exactly. Nobody is asking that question. She was without baby making 75k a year and moved in with her parents? Something is off. I know women that make 35k a year and have two kids and are living just fine.

[@PabloCastillo325]

The fact that she decided to have unprotected sex and then blame the man is crazy tho. So many options for women when it comes to birth control and she didn't consider not one and now y'all talking about child support? Wow smh I feel more for the baby growing up without both parents.

[@--zozo--]

Dave: "Absolutely! We do it all the time!"..... that felt really inspiring. Made me feel like I could take on the world!

[@soapfan2700]

Omg we are so lucky in the UK, not all companies are the same, but I got 6 months maternity leave on full pay, the next 3 months on half pay and then had the option to take a year with the last 3 months unpaid. I saved up £6,000 in the run up to having my baby, which meant I was then able to take the full year.

[@violetagira8687]

oh yea, Europe is a lot better when it comes to maternity leave. America really doesn't care about helping parents, proving affordable day care, paid maternity leave, affordable child health insurance. You get nothing from your employer. I am from Eastern Europe , living in America and the more i learn about the American system, them more I question my decisions of living here.

[@BeeDee-qs9so]

@@violetagira8687Specifically the USA…not all of America. Canada, being still in America, first introduced paid maternity leave in 1971.

[@TimesUp8888]

​@@BeeDee-qs9so Canada and Mexico are in North America. Not America. Everyone in the entire world knows what ppl mean when they refer to "Americans."

[@msbluejay3]

@@TimesUp8888. I always thought an American could be from North America, Central America or South America. If the people in the United States call themselves American, then the next question should be…what part of America…North America, Central America or South America? What country in America?

[@JacobsNews]

​​@@msbluejay3no an American would be from the United States of America a Canadian would never call himself a North American or an American he would say I'm Canadian and a South American would always call himself by the buy the countries from not the continen

[@delanacunningham9581]

I love "He Brews"! I also like: "Heaven Scent", "Java Script' ", "Roman Foam" and "Kings Cup" Anyone else?

[@SuperNaturalKingJesus]

I pray Lord Jesus that you help out Tiffany. Please help her out and be there when she is feeling alone or in difficult times during her pregnancy and I pray if she only believes in you that she starts to get to know you in Jesus name. ❤️🙏🏽

[@Thingscherished]

Jade is absolutely stunning! I love her fro but her hair pulled back out her face is just WOW!

[@lpfakalata3730]

Dave you have a wonderful family. Your kids on the show are very very smart kids. Thank you and your family for all the advices.

[@ToOpen6seven]

I know about Dave’s beautiful daughter on the show but who are his other kids on the show?

[@beawatton]

@@ToOpen6sevenRachel is Dave's only child who is a Ramsey personality. Daniel, his son, is CEO of Ramsey Solutions iirc and Denise, his other daughter, works elsewhere I believe.

[@Nigriff]

A former friend of mine got addicted to Cross Fit and quit his solid job as an engineer in the military to open a gym. In 2 years he lost 45 lbs got a girlfriend, left his wife and daughter, and went bankrupt. Be careful opening a gym.

[@ses-ei7oc]

Oh, wow! I hope that caller reads this.

[@wale4862]

Why did he leave his wife ? Temptation ?

[@mezzem3909]

Gyms fail... omg... I've seen that too

[@LucrativeLeroy]

He risked it for the biscuit

[@aimeebabygu]

😂😂😂

[@TammyMayCormier]

Oh god, this happened to me! But the other woman was the one who got pregnant. We became friends and she is STILL fighting him in court for child support. What a nightmare

[@brookelondon8029]

People have no idea how many men cheat. They have two or three on the side and they are such great liars that you have no idea that you're being cheated on. You are probably a great source of strength for her and the baby and I admire you for that!

[@Sarah-kv3qs]

@@brookelondon8029 I mean lots of women take them back and ignore red flags. if majority of women left when they saw bs men wouldn't risk it. Still their fault but just my observation

[@lauracarter3408]

Dave is such a thoughtful person, and I love his advice on money management and life in general!

[@mookhoschannel1057]

Its My 3rd day of listening to this kind of content. Heavily loaned hope to be redeemed by these lessons. But living in country like mine [Lesotho] i wonder the possibility of having several jobs!!! the first day i couldn't sleep at all

[@FloridaStitcher2]

I applaud Tiffany for keeping her child.

[@Nigriff]

Amen. She and her child will be fine and the baby daddy will regret his decision to abandon them.

[@pamsmith1665]

Tiffany heard her biological clock ticking. She may deny knowing he had another relationship, but she expected him to choose her. Go after him for child support. It will probably cost him his other relationship, too bad.

[@cyoohoos]

People forget adoption is still an option

[@brookelondon8029]

I hope she hires a very savvy lawyer to go after child support. There are a lot of things to consider. Will the child need braces, go onto further education, play in sports? It's not only for food and shelter, it's for all the every day and every year things till that child is 21. She's not being kind or considerate "thinking about it" and I can understand that because it's just happened but she needs to do a lot of research on to other child support documents and find a lawyer who will get the child support it needs.

[@MiloCho8978]

@@pamsmith1665 Of all the comments here that created their own narrative from Tiffany's story and ran with it, yours is the craziest of them all. LOL! It's funny how you assumed she was even hoping to have children in the first place. 35 is not old to have children, considering women are having children in their 40s these days. Also, she said "she ended up finding out" which sounds like she didn't know the other relationship was going on. Seems kind of backwards to assume all this from the situation as a complete stranger, but great soap opera plot!

[@hdsensing]

Dave, I listen early every morning right now during tax season as I review returns. Fighting the battle of "Taxation without competent representation" for nearly 20 years.

[@coachjames-bodybyjames5342]

As a former gym owner, THANK YOU Dave for steering those kids to a different entrepreneurial opportunity. Our gyms were highly profitable, and still a difficult experience. Post-COVID, we transitioned to a one-to-one, bespoke service with no overhead. Far less stress, far more profit!

[@pennybeck8749]

I Would think the amount of insurance you pay for a rock climbing gym would be pretty high too

[@dominator5621]

For the guy who was staying home and the wife who wanted him to get him on board. I recommend the guy getting his T levels checked. I was in a rut like that and found out I had low T. Changed my life/mindset

[@josiefromtherose-war2721]

How'd you recover?

[@dominator5621]

@@josiefromtherose-war2721 t levels went from 99 to 830 and I feel great

[@IVECOR460]

32:00 That is not bizarre because You Are The real Deal! I listen to you guys from europe, totally diferent numbers but the same principles apply, it really is a behaviour issue, you brought so much light and peace into my life ❤❤❤ I am currently debt free and saving for retirement 😊 thank you very much!

[@GS-ob1yg]

I love in a developing country and but started implying these principles, same

[@Mike-zz5kz]

14:38 - love those smiles. good vibes

[@iamjoli-t8q]

I am scared of Dave Ramsey! He doesn't play when it comes to money! He will "whip" you into shape!

[@timknin]

Your doing a Great Job Jade!!🎉

[@MaryCraig-ro8dx]

She’s in a tough spot. Thanks for helping get her feet under her. I wish her and her child well.

[@Nigriff]

I'm glad she chose life. If there's a next time, I hope she chooses a better partner.

[@pamsmith1665]

I dont believe for one minute the pregnancy was unplanned. She expected him to choose her

[@pamsmith1665]

​@@Nigriffshe knew. Her biological clock was ticking

[@candetras665]

Tiffany should go to the Crisis Pregnancy Center in her area. Yhey help moms during pregnancy with supplies and even after, a year the baby is born. Provide resources as well.

[@CodyDooley]

Dave Ramsey and his crews advice makes more sense than any that I have gotten I really appreciate his no nonsense attitude toward things and really can't wait to get farther in what he teaches and become a baby steps millionaire.

[@Nigriff]

Tiffany is a brave woman to keep her baby. Her baby daddy is a coward for telling her to get an abortion and running away.

[@catherinewetzel417]

💯

[@pamsmith1665]

Pregnancy was planned , just didn't work the way she thought.

[@amireallythatgrumpy6508]

Ugh.Only in America would anyone use an illiterate term like "baby daddy".

[@deadcell1]

​@@amireallythatgrumpy6508 She's apart of the 8%.

[@PoyTroy]

We don’t know the situation. For all we know is that she knew about his other life and thought she could change him. I’ve seen this story multiple times. And she might of thought keeping the baby would keep him. But it didn’t

[@de6409]

I am a single adult, never even been married. I feel like this is geared toward couples/families.

[@MisuZama]

I saved up a couple of yrs (3,) & finally bought a car owned by myself last month. I'm saving again and love that all I get to pay for is good insurance to keep the car. ...

[@susanacuellar20]

I just started reading again im a little embarrassed to admit that but im happy that my first book i just finished is the baby steps to millionaire and im so glad i came across this. 🎉❤i am ready to start.

[@mezzem3909]

I ve never read your books.. but common sense and budgeting has made my financial condition great

[@Amy-yi3sd]

8:00 min in. Yes Dave! I am here for this energy 🔥🔥🔥🔥

[@NaturalWifeyandMamaBear]

Still loving the music 🎶 going into scripture of the day/quote ❤ good vibes.

[@dianapeters5131]

Thank you for your honesty and integrity. Very much enjoyed this interaction.

[@josmith2186]

Keep the calls coming! 📞 Love how many calls you are fitting into each segment the last 6 months! 👏👏👏

[@today7518]

Confused about why single mom "needs" to move out of her mom's house???? What? Reality is a single mom needs emotional, physical, and financial support with new baby. Seems like mom could give her some grace for the short time a baby is a baby...her grandchild. Once baby can talk and olden enough for some kind of school, it's safe for out of family care. There's a LOT of issues and research of negative impact of day care in this nutty world. People make all kinds of sacrifices to put kids through college, but dismiss importance and value of MOST CRITICAL time of when new baby's entire brain is wired and character shaped for a lifetime. A child's entire personality and character is DONE by time child is SEVEN years old. Without a solid, secure infant phase, children are set-up for failure.

[@PEARLPediatricTherapyPLLC]

All of the personalities can learn so much from Dave - but also, Dave knows the value of learning from others which is why the personalities layer the show so well. Great people around you will stabilize the company and allow all of them to ripple out more positive impact! John and Jade and George and Rachel bring so much to the team. Also love Ken and loved Anthony. John’s show is incredibly helpful. And I look forward to Jade having her own with “how to get it done” practical/ been there spice!! Also, George is incredibly talented with snark and details, love his KZbin! I still follow Christy B Wright as a female entrepreneur and believer! Dave sees great people and hires personalities well.

[@kathleenfrimpong2465]

It's a pleasure listening to Mr. Ramsey and his team.

[@laurafratoni7931]

Jade is so pretty!

[@Nigriff]

She has a different look every show 😅

[@kap849]

She's debt free too 🎉.

[@Shepco]

Me and my significant other just found the baby steps and Dave Ramsey and I wish I would have found you 2 months before this, due to buying a house but at the same time I wouldn't have found you I think if I wouldn't have bought the house and I just want to say thank you guys for what you do because you guys made me take a step back and look at how I am with money and it was not the best and now me and my significant other are on baby step 2 and making our way to becoming debt free! Thank you guys really for doing what you do I really appreciate and I am spreading the word about you guys and your program!

[@malissakirby4193]

Marry her!

[@singerjo5791]

Punctuation please!

[@catherinewetzel417]

Good on Tiffany for keeping her child. ❤

[@Angel-eb7xd]

Hi Dave, please make every dollar app accessible in Ontario, Canada. I would love to use the app, thanks.

[@diane7105]

Me too!

[@ReadingGodsWord365]

It’s pitiful that people don’t recognize simple respect for your elder in Jade’s demeanor with Dave. She’s deferring a lot to his wisdom-and she should. The calls they took are much deeper than what I’ve heard her and George tackle. Go Jade, you’re doing great!!

[@Samanthasupernovaa]

Scripture of the day!!! Love it ❤❤❤❤❤❤❤❤

[@barbaradann1446]

yep Dave employers don't skip a beat when you leave. The beat goes on!

[@alaswings]

To the lady who's afraid to change her job: tell your current boss you want to stay but the other offer is better, let's see if the current employer matches the hours and money, if that happens: stay loyal! if not: leave, they are not loyal to you, why should you stay?? (I know she won't read it but it's a good advice someone gave me once and it's nice to pass it on)

[@jamieholinaty622]

Watch you everyday! Love it! Can't download the Every Dollar app though because I live in Saskatchewan, Canada.

[@paulpaulxpaul]

jade with the ultimate dad joke ftw. "HeBrews Coffee" 😂

[@AndreaDavis-pi7oo]

😅

[@jhenellecreighton1964]

Im loving these teachings soooo much

[@anyagee9467]

Dave: "You have over 4 million dollars in assets, you've been living a luxurious life" Caller: "Well... It's all relative" lol relative indeed.

[@JacobsNews]

Well she acted like she ran the business that the husband obviously owned that's why she hasn't done it since she divorced the husband and she didn't know any of the numbers

[@worldnomad2301]

I’m not going to a rock wall gym built by a 20 year old who has no construction experience. I’m surprised Dave didn’t mention that. And CrossFit gyms aren’t “working” either. Margins suck there too.

[@mommore2972]

We bought our house for $177k and the lady we bought it from bought it for $30k 10 years before.

[@adafelix5127]

wowzer

[@WordBoss75]

Solar panel I can get a 0% interest, credit card transfer majority of that balance and at least not be interest for up to 18 months

[@julieo330]

How can you say she paid twice as much for her vet degree? Based on what? I have heard so frequently that Vet school is so competitive because there aren't enough of them. Maybe she should have saved more to get herself through, but I heard the call the other day with Jade and George. It was bad advice. You can't stop vet school part way through. How does that help anything? She made a bad decision, maybe, so she should bail without a degree? Am I not understanding this properly?

[@mom2bbjandag]

You absolutely can pause halfway through veterinary college. Not ideal, but it's done. I did, due to medical issues. At that time, I was granted two years to re-enroll with one of the following classes. After that, I would have to reapply but if all issues were resolved would be pretty much guaranteed acceptance. That may have changed since I was in school, and it may vary by college. She should definitely talk to the Dean.

[@DrHelenEmore]

Thanks to the Ramsey crew

[@susanb7594]

I have learned so much watching this channel. I make a relatively good income but if you asked me where my money went each month I couldn’t tell you. I also impulse bought items I didn’t need and racked up some credit card debt. Making a budget was eye opening. I first made one based on what I “thought” I was spending and realized how far off I was in some areas. I don’t eat out very often but when I do it’s usually a nice dinner with drinks and I realized I was blowing $250 on 2-3 dinners a month. I’m now more confident with my spending habits, can pretty accurately estimate my spending, and will be debt free by September of this year. My only criticism to the general recommendations these folks make is when they suggest people need to spend the bare minimum and live like a college student eating ramen noodles. I suppose each person’s financial situation is different, but for me it’s like starting a diet and going cold turkey. Eventually most people will binge. Had I thrown every penny at my debt I think I would have failed. I still allow myself a little “fun” money so it’s not so restrictive. At the end of the day it will cost me an extra $250 in interest but it’s worth it to me to have some flexibility to still spend a little on non essentials. I’m sure it’s a completely different situation for people who struggle just to make ends meet.

[@BrianaBudgets]

I have noticed a lot of people get solar panel on a loan and then regret it. Do they not think about the decision before they do it? Are the sales people really that good?

[@SheRideUS]

I'm laughing about seeing Tom Selleck at the end of the video. I didn't expect that.

[@TannaFristrup]

Great full body workout! Thank you!

[@michelekelly4766]

The amount of ads is absolutely absurd! Can’t get through one call without and ad… ridiculous

[@melshideout1985]

25:16 My heart. I'm praying for you.

[@alritehamilton]

Molly, use the commute time to listen to Ramseys podcasts! It can be time for yourself.

[@ProbablyBased]

I also do this. Not just Dave, but also audiobooks. Just use the time wisely and it isn't wasted

[@yatibailey2580]

Good advice chanel. Wirth liseningnto n take some notes for sure.

[@mythicaldeb]

I have bpd. You help with your advice. Bpd causes money problems and it's tough. Can you address this problem?

[@Skeptic101]

Oh boy, wish I could have a look into all the data your app collects. Probably one of the best retail tools

[@christopherbowers7219]

This is the episode that has changed my entire life.

[@JacobsNews]

Did you get to the part where the divorced mom had the 5 million house and 700k in the bank and then acted like she ran the business that the husband obviously owned

[@itschuru6170]

never listened to this show and its interesting i need to learn more about money matters I can always push myself to be better and get out of debt

[@ashleynichole0624]

I love how passionate Dave gets when people screw over people. He just gets so ramed up. I love it. 🙌

[@tsandrew12]

This is amazing information. I’ve just been introduced to this speaker. Yay my new you tube channel to listen to. Thank you very much.

[@SCADU-MAXXING]

So true Dave: "The negative comments are irrelevant" Life advice, not just for annoying people hiding behind a keyboard!

[@L.J.H.-sg6eb]

At 19:46 to 19:48, did she just flip off someone behind the camera??? 😅😅😅

[@ErisMaceda]

I hope every dollar becomes available in the Philippines too!

[@a.phillips6892]

Please, could you do more videos geared towards single adults? Most are geared towards families with children, which is understandable in our society.

[@katiebonsack8913]

I just want to say thank you to the dave ramsey show! I made $1000 for my emergency fund in 60days. I just have one question that i know is most likely obvious. Do i want to use that money towards my small loans or credit card, or not touch it?

[@luisasipple9315]

For the solar panels, has he been registered for SREC? This account has to be set up so you sell your excess energy. This starts to cut down your monthly bill. Also, talk to cos about the tax credit

[@susanallen8214]

Avg Welder salary mentioned was $110k a year. Not true. avg pay is $20 - $22 per hour after a 24 week course at $21k tuition.

[@ericeandco]

How do you get a mortgage on 65k? If you qualify for special mortgage programs you won’t need a huge deposit.

[@davidvalle6253]

Dose ramsey provide FPU in spanish I been teaching my church I been translating it all myself but was wondering if there's a FPU in spanish to make it easier

[@maazaassefaw7046]

Some people don’t even get a chance pay check to pay check living. Better be thankful🎉

[@RJthing]

Jade, good thinker as always on your head, especially being a Bard. We do however have a HE-BREWS, here in Emmet Idaho.

[@brookelondon8029]

Reverse mortgages are a joke. They tell you that they'll give you a loan against your house and when you die it's deducted from your estate and your children still get the house after that money is deducted. That is a lie. It's not that simple. The fees are astronomical and with their income, they are much better off doing one repair at a time, saving up, and not risking their home.

[@TopVillain]

What a great show

[@dwjackson5422]

I would love some ideas on how to make it uncomfortable to make it better.

[@brittanys9991]

What's the difference between reverse mortgage and HELOC?

[@Mknicole2025]

Thank you both. I gained tremendous insights.

[@brendasmith4220]

we just paid off our 23k car but wondering if i should sell it cause we only make 60 k or less a year we paid it off in 7 months now we are looking for a house

[@itsallperfectlynormal9805]

Imo, no! Keep it well maintained and drive it until the wheels fall off, it's paid for! Turn that payment toward something else, down payment account, etc

[@basementbrasscompany9498]

I would tell her to save up to take the extra 4 weeks extra to care for her baby. 9 weeks is not enough adjustment time.

[@mdpatton1318]

Does the program still utilize the cash envelope system with everyone paying electronically these days?

[@joyfulk9services]

How do you know when/I'd you're in a position to be "giving"? I am fairly new to this show, not familiar with all the steps, i have no debt: I am not a "person of god"-is this is an issue?

[@JoshuaDutton-b8i]

Yes sir. I am 33 years old and ruined a 16 year friendship when we tried out a heat and air business.

[@Christine_GoBills]

lol at 39:14. We're selling our house that we bought in 2014 ..... our house has more than doubled in 10 years 😂

[@heatherdoeur114]

Absolutely! I live in Alabama in a small town. My house is worth exactly double what it was when I bought it in 2015. 🎉