You Can Build Wealth No Matter Where You Are in Life | January 22, 2025

[@adaezea5963]

Jade's hair looks amazing!

[@Cyber_Diva]

Jade is the best thing to happen to the Ramsey Broadcast in a long time!! General Jade!💕

[@reyrey992]

No way

[@harmonyhowlett4695]

Jade is a lot more relatable imo.

[@reyrey992]

@@harmonyhowlett4695 if you're judgemental yes

[@harmonyhowlett4695]

@@reyrey992 🙄

[@Kristendenae]

Jade is my favorite Ramsey personality

[@guzzmaster1]

Just paid off my car loan. Almost done with step 2.

[@jonm7505]

Way to go!

[@kingzman1997]

Keep going 🎉🎉🎉

[@TulsaDude]

Keep it going

[@gamersetherealjourney]

caller 1 - 1:35 caller 2 - 13:10 caller 3 - 22:50 caller 4 - 39:20 caller 5 - 45:00 caller 6 - 57:20 caller 7 - 1:05:40 missed call - 1:17:50

[@alejandramarina4068]

I tried emailing the survey link and it doesn’t work. I was just going to suggest releasing a translation of this show because I think it would be a big hit with the Latino community. They could use some education on this stuff since it is not always taught in our communities. Thank you!

[@susanhandle774]

If they can get a Hispanic personality in the mix .I feel that will reach another audience that can be helped.

[@EliteEdgeK]

I remember Dave mentioned on someone else’s podcast once that they tried that and it didn’t really take off for them. I think it was a separate show in Spanish they had made for Latin America. But that might have been a long time ago before podcasts made things more accessible.

[@TulsaDude]

I do feel like they should get that, such a huge Hispanic population in America, and in the south.

[@bboychicken1992]

A token hispanic?

[@lori2182]

We have moved several times in our lives and it takes 6 months to a year to start feeling “at home”.

[@Mohammed-x8m]

I can’t believe 2024 ended and I have investment goals I never achieved… yet I hear people talk about a bull run in the financial market and I just recently sold a home. Do you suggest I utilize a financial advisor on stocks to buy, or can I do it on my own?

[@MitchellRaymond-r1o]

its just like asking if you should self-medicate, of course it’s always better to consult a doctor, so yes it’s a good idea to seek financial advise if you think you need guidance

[@DianeKKnutson]

True, I'm in line with advisory service cos my job doesn't permit me the time to analyze stocks myself. Thankfully, my portfolio is well matched for every season of the market and has yielded over 300% since the 2020 pandemic to date. IMO, nothing beats expertise

[@Mohammed-x8m]

i'm blown away! mind sharing basic info please? i am a young adult living in Miami

[@DianeKKnutson]

I’m cautious about giving specific recommendations as everyone's situation varies. You may consider independent financial advisors like Matthew D Heck.. I've worked with him for barely 5 years now and I'd gladly commend his exemplary service on a public post

[@DianeKKnutson]

I'd suggest you research him further on the web

[@anniethomas451]

I am so glad that the Closed Caption feature is available! I know this is a Me problem because sometimes the callers sound muffled and some talk so fast. I’m old and don’t want to miss a single word😊

[@Trustbutverify2651]

Amber - give through your church and then tell people who ask for money that you do your charity through your church. Most churches have food pantries and a benevolence fund for people who are in need. Our church then checks out the people who are in need and pay directly for short-term motel stays, food, and utilities bills. But they rarely give cash money to the person because they have no idea if it will be spent on their actual needs. I think it's a good policy.

[@KarenLavia]

To attain upper-class wealth, a wise individual recognizes that building financial success requires smart investments, strategic tax planning, and informed decision-making. Although the stock market offers growth potential, effectively seizing these opportunities demands both skill and expertise.

[@SandraDave.]

Stock investments can offer great potential, but it's essential to approach them with caution. I recommend consulting a financial advisor who can help you determine the optimal times to buy and sell.

[@RaymondKeen.]

It's often true that people underestimate the importance of financial advisors until they feel the negative effects of emotional decision-making. I remember a few summers ago, after a tough divorce, when I needed a boost for my struggling business. I researched and found a licensed advisor who diligently helped grow my reserves despite inflation. Consequently, my reserves increased from $275k to around $750k.

[@TinaJames222]

How can I reach this advisor of yours? because I'm seeking for a more effective investment approach on my savings

[@RaymondKeen.]

Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Lisa Grace Myer” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.

[@ChristianKelv]

Thank you for this tip. It was easy to find your coach on web. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her resume.

[@davisamills597]

Jade is so gorgeous! Love listenting to her ❤

[@trying2Bhumble]

I love this show and I watch it religiously. I think the only thing I would change is when the Ramsey Team says things like “You already know a lump sum of your money invested in the stock market is going to double every 7 years”. This may be true and this has been the case historically. However, as we climb higher and higher on the indecies, weather it be the SPY or QQQ, DIA, IWM, ect., your return on investment will start to get smaller and smaller. So, can your money continue to double in 7 years? Yes, it can, and it has! But it's not good to convey to people that it’s a guarantee… We shouldn't say things like “We already know it’s going to double in 7 years”. So if I were to offer the Ramsey Team any advice (not that they would listen to me anyways), I would tell them to use a little more caution when talking about future market returns. Instead of saying, We already know a lump sum of money invested in the stock market is going to double every 7 years”. Say something like, we expect the market to return around 100% every 7 years, but there are no guarantees : ) Rock on Ramsey Team… Love, Love, Love the show!

[@snowrulesnate]

Ok, in my experience, not opinion, my retirement investments have doubled every 5yrs. Expectations may not be exactly the same with our projected economy but every 7yrs is a safe projection based on experience. Might be 5, maybe 8, but how else would you state it if the data backs it up?

[@Trustbutverify2651]

Emily, no, you are not obligated to support your uncle. Once you start it is very difficult to make a change. He can contact Social Services. For the funeral, do not give him the money - give it directly to the funeral home.

[@TheWalkingASMR]

Good show! 😊

[@Jesusistheonlyway242]

If you feel like you need to help someone just help. Calling a show to ask if you should help shows you aren't a helpful person, and you need to work on that. I have family members who constantly borrow and don't work and I have helped them without them coming back to ask me for things constantly. Help and set a boundary that's all you have to do

[@maryjordan2597]

I took the survey. 😊

[@Craig-e2r]

Sub teachers in Texas can make more than hired teachers because of the pay scale

[@Trustbutverify2651]

But they don't get benefits and retirement or a guaranteed schedule.

[@Craig-e2r]

@@Trustbutverify2651correct. Although a sub can work almost every single day in any school system in the us if they are willing.

[@Penelope-rosa]

Loved Jade in pink.

[@teachersonline9206]

Hi guys i have been watching for a while now. I would like to ask if what i am doing is good in your view, so i have like 4 months worth of emergency funds and i am 27 right now and i am single in the Philippines. The question would be after i max this out should i do the retirement funds first or try to venture to another source of income like a very small business, my expenses is like 50 to 60 percent of my take home pay per month. I mean I think dave would say something like increase your income hahaha just want to know what u think

[@TulsaDude]

15% towards retirement, then cash flow something if you're out of debt completely, that's what Dave would say

[@teachersonline9206]

@ what does cash flow mean man i mean i don’t have debt by the way. I thinks ill do that retirement suggestion you made

[@JoL-t6k]

I’m 66 years old and no one wants to give me a job.😞

[@Trustbutverify2651]

I'm 73 and have had one job after another since I retired from teaching. I'm still working. What are your skills? I find small businesses like older employees because we don't need medical insurance, are dependable, and don't have to take days off for sick children.

[@JoL-t6k]

@ I been unskilled labor all my life. I can’t stand anymore because I have arthritis in my feet so bad. I have no office experience. 🤷🏻‍♀️

[@JoL-t6k]

@ I do have a job at this time but the hours have been cut back so bad I am looking for something else.

[@Trustbutverify2651]

@@JoL-t6k I hope other younger women are paying attention to your story and realize it is up to them to be sure they have education and a skill set that can keep them employed throughout life. I am a retired community college professor (and high school teacher - I had both jobs for 35 years.) I know that community colleges have short job training programs, even for older workers with disabilities. With a low income, you would probably qualify for full financial aid. I urge you to contact them and see what might be available that you could learn and do online at home.

[@fifighe283]

How about a custom service position from home?

[@SuzanneU]

re Mary: it sounds like the Texas move was her husband's big idea and she went along without heartfelt agreement. Now it's going sour for him and it was never sweet for her. It's really important that both should be genuinely enthusiastic about their next step. And there's nothing wrong with going back to California.

[@MMyers-mh4jq]

No, it was he moved or he didn't have a job

[@TulsaDude]

People need to learn how to communicate. It's sad hearing people married for years who can't even discuss things clearly

[@luismartin106]

We need Dave back

[@LastCalvertStanding]

Love Jade but totally agree! The shows so different without Dave

[@davisamills597]

It's really not that different. I don't miss Dave at all

[@carlab1748]

In response to the very first Call. Dr. Deloney who told you that the Factories in Detroit were shut down? As long as Detroit has "The Big Three," the Factories are always gonna be Rolling. They don't call it the "Motor City" for nothing.

[@elizabethbayless8867]

Factories in other parts of MI were shut down. My dad used to work at one in Flint :(

[@queensprinkles4348]

Dr D knows nothing about the economy and should stick to his drama show.

[@elchotaloks63]

He's educated and ignorant

[@Trustbutverify2651]

Julia, you can move if the cost of living is too high.

[@DudeMuscle]

Brilliant!

[@neilgodfrey2669]

Just to compare things to the UK…. Student loans are only paid back once the graduate earns £27,000 or more at 9% from their pay. After 40 years the debt is written off. If you earn less than 27,000 or you end up not working then you don’t pay it back. No debt collectors ever come calling. Medical Bills…..no medical bills. It’s all free baby on the NHS paid for through tax. Credit cards….theres no way anyone would be allowed to open multiple credits cards and rack up thousands and thousands of debt. We have rules and regulations for that. Also we have no gun crime. I do feel sorry for you Yanks.

[@barbie3139]

What is the income tax in the UK? We pay 15-28% and then some states have income tax, up to 13% and then property taxes for an ordinary 3 bedroom home varies from 900/year to 15k/year, depending where you live.

[@neilgodfrey2669]

@@barbie3139 if you earn under 12k you don’t pay tax. 12k-50k 20%. 50k-125k 40%. Above 125k 45%. There’s also national insurance contributions which isn’t a lot. No property taxes.

[@jomo7002]

There are some perks here but wages are too low in the UK which is why we're thinking of moving. Also no medical bills but the nhs is crap

[@neilgodfrey2669]

@ wages are low but there’s housing benefit and tax credits you can claim to help with living costs. Some areas of England are dirt cheap but bigger cities are ridiculously expensive. We do have council tax too which I forgot. That pays for council workers local police, bin men, traffic wardens etc for each county. That’s anywhere from £1000-6000 depending on how expensive your house is. Isn’t Canada easier for you to move to?

[@yourfave31]

Yes, the UK is better than the US in many ways but let’s be honest here. The NHS is broken, the service we receive is not worth the tax they’re taking from us. Wages are not high enough in contrast to the cost of living. Income tax is atrociously high and take home pay only just about covers your cost of living, especially if you’re in London. Also, knife crime is arguably just as bad. The only “win” here is that our student loans are more like a tax which eventually gets wiped out, instead of crippling debt.

[@daniellesmall2625]

Uncle Boo Boo! 😂 Jade, is that your way of saying that Emily’s uncle is full of 💩?

[@TulsaDude]

Yep ....

[@Trustbutverify2651]

Mary, Texas is more expensive than California?

[@TulsaDude]

Those are 2 huge states with lots of variance in between, have to be way more specific about location, property, job, etc

[@Trustbutverify2651]

@@TulsaDude But overall TX is not more expensive than CA

[@ccjdis]

Does John get paid by the word?

[@AccessoriesAddict5528]

JADE: "How much do you pay a month for the mortgage?" JULIA: "$3000.00" JADE: "WHAATTTTTT????" Jessica=You just can't believe people are so $tupid, smh!!!

[@mike112079]

😂

[@Trustbutverify2651]

What are the "four walls" - I have forgotten and I have a nephew who needs some advice. I know food is first but I don't remember what the other three are and the order of those.

[@flashthecorgi2053]

Food, shelter, utilities, and transportation!

[@MarnaCOG7]

Food, shelter, transportation, utilities in order (utilities don't matter if you don't have a place to live!)

[@Trustbutverify2651]

@@MarnaCOG7 Thank you. I'm kind of surprised that keeping up health and life insurance isn't in that list. A medical emergency or an auto accident killing someone can happen any day and leave the family in dire straits. (Not my nephew - he's young and just lost his job due to downsizing which is a major lesson for him about needing to have a savings reserve - we're all chipping in until he can get back on his feet.)

[@dericaj]

@@Trustbutverify2651the four walls are based on what you need to survive. Insurance is absolutely important, but protects the four walls (home, car, I liken food to health). Consider it the roof.

[@TulsaDude]

Why Jessica sound shady, alarm bells were going off, same for the hosts! Something was off there

[@Arnold001-1]

350,000 registered for their shot to win $4,000 You’ll prob have 20,000-30,000 who will tune in who actually care about the topics that will be discussed

[@amireallythatgrumpy6508]

They're still getting millions of listeners on the radio...

[@TulsaDude]

That's true, about 45,000 we're online last night, which was more than I expected

[@rroum]

Jade so damn fine.

[@MMyers-mh4jq]

Did she just say Texas is expensive compared to California

[@TulsaDude]

Depends on the exact location, property and your job.

[@dominiquejones6758]

You’re only obligated to take care of children you put on this earth! That’s it!! Not uncles, aunts etc

[@LittleBlueFeather-bq8fl]

Eviction lady...sounds super sketchy to me. Maybe just not a good communicator...?

[@dericaj]

I agree. Something is off.

[@TulsaDude]

Totally agree, she has the shady voice going...

[@foreign_agent]

Does a show on The Ramsey Show channel without Ramsey make any sense?🙃

[@flashthecorgi2053]

These are the RAMSEY personalities hosting the show so yes it does make sense! Dave is out enjoying his vacation. Living out his motto of: “Live like no one else SO LATER you can live and give like no one else.”

[@amireallythatgrumpy6508]

Yes, given it is a product of Ramsey Solutions. It's not completely without Ramsey anyway - he'll work essentially month on, month off for the foreseeable future.

[@davisamills597]

Ummm they're Ramsey personalities.....

[@cgustin1899]

I did the survey and said Dr. John Delony is my favorite!

[@mflee3772]

Get rid of dephony

[@jvr7338]

Absolutely not charity starts at home screwed everybody else