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.ramseysolutions.com/shows...
🏦 Take Your 3-Minute Money Assessment - www.ramseysolutions.com/get-s...
Support our Sponsors:
Blinds.com - www.Blinds.com
Christian Healthcare Ministries - www.CHMinistries.org
Churchill Mortgage - www.ChurchillMortgage.com/Ramsey
Hallow - www.hallow.com/ramsey
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.ramseysolutions.com/compa...

[@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 💯

[@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

[@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

[@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!

[@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.

[@miguelgalvan1279]

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.

[@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.

[@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.

[@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

[@thelivinvibe7960]

He risked it for the biscuit

[@aimeebabygu]

😂😂😂

[@alritehamilton]

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

[@ntamarkeunice9550]

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

[@aeconiglio]

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

[@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!

[@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

[@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

[@laurafratoni7931]

Jade is so pretty!

[@Nigriff]

She has a different look every show 😅

[@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! ✝️🙏🏽❤️

[@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.

[@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.

[@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

[@--zozo--]

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

[@Kennybooy9]

The young man rock climber is a dreamer. A dangerous dreamer

[@delanacunningham9581]

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

[@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.

[@lauracarter3408]

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

[@user-tm5fy7hv7z]

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!

[@Thingscherished]

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

[@mezzem3909]

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

[@jamieholinaty622]

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

[@LindseyHarvell-vc4ez]

Jade is a completely different person with Dave than other hosts. But I guess maybe we all would be sitting next to our boss. On the air… lol 😂

[@odessajackson4551]

I absolutely agree 💯

[@odessajackson4551]

35 y/o old enough to know better!!!..she says she knows. .so why call the show after the fact.. that's what you call .. ass backwards!!!

[@chriswasinski4591]

I've noticed that too.

[@LVFEMME]

Jade looks too serious. Something is up......

[@avivrazon4252]

They all suck up to him in adulation. It’s very annoying. But I still listen.

[@timknin]

Your doing a Great Job Jade!!🎉

[@catherinewetzel417]

Good on Tiffany for keeping her child. ❤

[@brookebales2931]

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

[@pakpaulyoung]

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

[@AndreaDavis-pi7oo]

😅

[@barbaradann1446]

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

[@reginaldphillips7615]

Not sure why getting out of her moms house is a priority with a baby one the way

[@lyndahammel9502]

Agree. As a mom if I could I'd want to help.

[@Trustbutverify2651]

Because that's the logical time for her to get used to living on her own if she is going to do so after the baby. The Mom might not want to start again with a young child in the home.

[@JasmineMGorton]

You never know the situation of her with her parents. There might be some tension between them that we don’t know

[@reginaldphillips7615]

@@JasmineMGorton true

[@pamsmith1665]

​@@Trustbutverify2651I disagree..

[@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

[@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.

[@Mike-zz5kz]

14:38 - love those smiles. good vibes

[@Samanthasupernovaa]

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

[@Skeptic101]

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

[@Angel-eb7xd]

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

[@calebhunter8799]

I love the soundtrack choices for Ramsey!

[@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

[@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.

[@yatibailey2580]

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

[@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!

[@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.

[@CB-gl5xn]

I would ask her mom if she could stay the 1st year of the babies life. She going to need help and support. This would also give her time to pay off a few bills before getting her own place.

[@JacobsNews]

She makes 75k moved in with her mom to get her life together queue songsong plays You let him hit it raw (raw) You didn’t have second thoughts (thoughts) Now you a single mom (mom) Now you a single mom (mom) You said I'ma have this kid (kid) Don’t care if he’s here or not (not) But now you a single mom (mom)

[@RJthing]

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

[@fit_for_life_]

Great show Papa Dave!

[@christabellecarpenter2354]

Tiffany needs to get a paternity test established from that bone head and go after child support once the baby is born. The guy is gonna try to avoid it. But, she needs money for that kid and to know that guys medical history, in case the kid has issues later that require a blood transfusion or some other medical issue. Its never easy to be a single parent even if the other parent helps out, but not having any info about the father is gonna hurt the kid in the long run. She absolutely needs to get an attorney to help her go after paternity testing and child support....or he signs away his rights in exchange for family medical history information.

[@Nigriff]

The dude is a selfish coward telling her to get an abortion

[@pamsmith1665]

He could have used a condom but her biological clock was ticking, I am betting she planned this

[@JacobsNews]

song plays You let him hit it raw (raw) You didn’t have second thoughts (thoughts) Now you a single mom (mom) Now you a single mom (mom) You said I'ma have this kid (kid) Don’t care if he’s here or not (not) But now you a single mom (mom)

[@lahloudjiken]

I enjoyed, thank you.

[@odessajackson4551]

What about going after baby daddy for child support... Duh 🙄

[@georgeslupski5987]

It was somewhat addressed, but I would like to see that at the forefront

[@Trustbutverify2651]

@@georgeslupski5987 I would like women NOT to "find themselves pregnant" in this day and time when there are so many methods of birth control that are both available and cheap. (And I'm a woman who raised two daughters who did NOT "find themselves pregnant" before they were married and decided to have children.)

[@babyyeti2540]

They said exactly that

[@darrengeorgetown6758]

​@Trustbutverify2651 How dare you try to hold women accountable in this society. That will fall on deaf ears, but you're absolutely correct

[@sarahburggraf907]

​@@Trustbutverify2651my friend just found out she was pregnant and her tubes are tied. PLEASE stop with your self righteous judgemental bull💩

[@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

[@MrSmith-ox1jq]

I’m from the uk and knew quite a few officers who are paying a big pension and swimming in constant debt

[@mythicaldeb]

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

[@keyaragreen7923]

I wonder if it was the first Ghost Busters 😂😂😂

[@TopVillain]

What a great show

[@davidwolfe7777]

I remember Robert Wagner endorsing one of those scam reverse mortgages. Like Dave said, old time actors still trying to collect on their name🤔

[@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?

[@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.

[@rus-wu5uf]

Funny Jade. Montel Williams!

[@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. 🎉

[@gklein2924]

Solar panels with a reputable company is a good deal. Paid cash for net zero, and the electric company actually got 3 months from me this year because it was a mild winter. Payoff is expected at 8 years on 30 year panels.

[@victorcampos7722]

Don’t be scared now big guy! Time to pay up!!

[@susanmurray6286]

I wish my electric bill was $200, here in Califnia... in the summer it is $ 500

[@nickygentle9246]

Who looks after the baby whe she returns to work? In the uk maternity is a lot longer and paid longer but then when a parent returns to work childcare is very very expensive

[@nyemartin5737]

I wonder if the movie Dave complained about was Life of Brian? 😂

[@V3RYG00D]

Listen to Dave Ramsey.

[@Lizandherstories]

Really like this show!

[@ChristineCircelli-go2yw]

Yes, there is it's called universal basic income or guaranteed basic income implemented nationwide.

[@anthonysadventures8241]

Great coffee shop name Jade! 😂😎😊

[@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

[@natemenefee1217]

Why is Dave advising a soon to be single mom to MOVE out her mom's house right after the baby is born? This is rhetorical, I know the answer. That's horrible advice and I hope she ignores it.

[@roxiebz]

To take responsibility for herself and her baby

[@Foxhole1776]

@@roxiebzok but in her situation it makes sense to stay home so she can work full time - pay down debit and save money until she is ready to get her own place. Parents can help watch child in mean time. Yes your brain next time

[@sunnydence2940]

She’s the one that said that she had to move out??? U there

[@conniewilliams184]

So you didn’t hear her say her Mom told her too??!!!!

[@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.

[@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

[@marieyvesbazier9513]

Does the pre-tax 401k include from the 15% investment? In my mind I thought the 15%investment is from the net income pay.

[@bettedavis9261]

The 15% is supposed to be from your gross pay

[@Trustbutverify2651]

Last call AJ Denver - coffee shop guy. You also need to consider other factors. A coffee shop will be most visited in evenings and weekends. Will your wife and family be happy with you gone most of that time - a totally different schedule than what they have been used to with you as an engineer? Will your wife deal well with fluctuating rather than a steady income? LOTS of things to consider - this would be a seismic change of lifestyle.

[@sherryjohnson3804]

I only wish my electric bill was 200$😭

[@paulh1745]

Yes!

[@veronicafarfan4384]

Not Montel Williams! 😂😂😂

[@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?

[@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

[@lauranewman564]

Sometimes Jade is so wise!

[@ZionBetter]

“Yeah I really want him to pay for it” 😂

[@table.for_6]

I’m In a similar situation. But once you try and get child support, they try and get 50/50 time which hurts the child.

[@s59463ify]

are we gonna edit that intro to include Jade?

[@snackman2005]

When Dave talks it’s like music to the ears. The co hosts are like listening to static. You can’t wait for the static to stop. So the music will start again.

[@CharleneBarends]

Im also stuck on baby step 1 .. our salaries is not enough to get us through the month...please help

[@Ink30]

Got to get two jobs or maybe 3 for a while

[@pandafox12]

Rockclimber should save up $75k and launch a minimum viable product by himself and at most one partner. Ideally the partner is a minority partner so he can own the executive decisions

[@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!!

[@c130jron1]

So historically the price of solar panels have dropped by 80% every 10 years. Due primarily to technology gains. So doing a 25 year loan by the solar company is a really smart move. Not so smart for the home owner.

[@HolyMoley81]

I wish my power bill was $200. California summer power is more like 600-700 a month. Pg&e is a rip off

[@johannees622]

😮

[@jeffyeager4045]

I love how Daves just laughing at this rock climbing clown hahaha

[@lauranewman564]

William Devane? Y'all are hilarious. Are we goi g to be listening to the advice of Lori Loughlin or William Macy/Felicity Huffman next?😅😅😅

[@DaRaginGamer]

The lady at 1:09 saying wealth is relative is straight delusion 😭

[@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.

[@tnitty9317]

What should i do with 20k? I need business or investment ideas!🙏

[@pedroavex]

What's the name of this saxophone music on the stream intro? I can't remember!! Thanks!

[@steveperow7978]

"Baker Street" by Gerry Rafferty

[@pedroavex]

@@steveperow7978 Thanks!

[@sarahburggraf907]

​@@steveperow7978i used to love that song now im sick of it thanks to Dave😭

[@nathansyoutubechannel4921]

I heard it while shopping once and i thought. How does dave know im shopping 😂

[@sarahburggraf907]

@@nathansyoutubechannel4921 he knows bc he's waiting for you in the rice and beans aisle

[@jameswinters7920]

SPEC HOMES generic Specifications, not custom built… not for a specific buyer.