This Is What It Means To Live Like No One Else! | March 26, 2024

[@Curious-Lass]

Bring back!!! “Where debt is dumb, cash is king, and the paid off home mortgage has taken the place of the BMW as the status symbol of choice!” -Dave Ramsey That statement motivated me to pay off my home mortgage at 40 years old and invest thereafter!!

[@amymeisak2534]

I agree! I thought that slogan was much better! 🎉

[@stacymontero6172]

I agree!

[@Haxpatty]

YES, Bring back the old slogan intro. This new one is boring and doesn't relate to me as much.

[@seekingpurposepartnership]

Well - BMW is no longer a status symbol - unless it’s electric (so they’ve had to pivot)

[@LadyMatriarch.]

I also agree and think about that opener often !

[@ChirsDaniel]

Investments are the roots of financial security; the deeper they grow, the stronger your future will be."

[@KevinMarks5i]

The deeper your investment roots, the stronger your financial security will be in the future.

[@JenniferAdams-r2k]

Exactly! With my adviser, I’ve cultivated deep investment roots, strengthening my financial security for the future.

[@АннаВекшина-ю6б]

I would love an introduction to an adviser who can help me strengthen my financial roots.

[@JenniferAdams-r2k]

My CFA NICOLE ANASTASIA PLUMLEE a renowned figure in her line of work. I recommend researching her credentials further.

[@АннаВекшина-ю6б]

Thank you for this amazing tip. I just looked the name up and wrote her.

[@brandeberryb84]

I got through the steps quickly being single and started in my late 20’s. I also created a mental budget over years. Now ten years later… I have a large buffer in my checking account. Dave is so smart. The baby steps are key! Time for me to go create a new budget! Duh! This first call was a wake up call for me!

[@chpppbgs]

Lady who called wanting to buy mom a car! My eyes watery over here and I’m at work lol. Great job

[@hdsensing]

Great advice to the nurse who was considering moving to SF. I have a friend that took an internal promotion to go to a different market. After a year, he discovered he came out with less income after the additional cost of living. Two years later, he was able to transfer back to his former market and is much happier.

[@freespirit6209]

I'm a fan, but Dave please don't bully people like Sean who are so polite and pleasant and doing their best to understand you!

[@annwhite9507]

i love show ramsey, anytime i watch your show it give me joy, i am from nigeria living in united arab emirate. your show is amazing am new to the show, i wish i find your show earlier.

[@CherylPoizon]

Dave is funny to me 🤣🤣🤣 He has NO filter 🤣🤣🤣🤣

[@republicunited2183]

Like our great President Trump! Tell it like it is!

[@amelialaiacona9295]

Dave is saucy today lol

[@alycat9186]

I saw your comment before I got to the part where he was being “saucy” with the guy with the new baby and then I was like “Ohhhh!! That is what that person was talking about.” 😂😂😂😂

[@cindyannefontenot]

And Dr. John for the win!

[@joannanytko126]

Greetings from Poland (Europe)

[@bluebelle9572]

Hello!

[@FreethemGuyz]

😢😢😢😢 1:07:30...with a mouth full of food...i had to cry... and its rare

[@suzyw.4375]

Ouch! Dave says some tough things. But they really need to be said. And most people don't have that special someone in their lives who is willing to tell them things they don't want to but need to hear.

[@flashthecorgi2053]

Great show today with Dr. John and Dave! Also, so freaking happy Delony’s show is growing. He deserves it all! His show is changing so many lives and that’s because of his empathetic, loving approach to all of his callers combined with direct and actionable advice. Ramsey absolutely won the lottery with Delony and I couldn’t be more thankful for all of his wisdom, and direction! ❤🎉

[@BeeDee-qs9so]

They did a superb job today, for sure.

[@BrianaBudgets]

Zachary trying to change the baby steps after 30 years. Cmon dude

[@RelentlessDjango]

It's interesting that people don't understand that 1K is ONLY TO START the emergency fund, and grow it consistently from there!

[@SUlCUNE]

That's not the steps. The step is stop building the emergency fund at 1000. Then all debt. Then fully fund the emergency fund.

[@Nigriff]

You're not correct.

[@paulpaulxpaul]

that last call where the guy agreed to rent our their house to his wife's sisters was sad and hilarious at the same time.

[@juystafanreview2532]

I agree about the buffer, it helps give you peace of mind that even if you miscalculate a little you have enough to cover it. I personally think 2k in a checking account is good practice. But you should always replenish it. to whatever amount you set. I like to move money between savings and checking as needed. and as I get income, I move it from checking to savings.

[@MrEaglesfan221]

I just want more with Dave and Rachel cause he pushes the boundaries more to get a rise out of her 😂

[@bluebelle9572]

Good times

[@stephenedwards9341]

Nah. She's dumb. Thanks to her dad, she'll inherit way more than her radio personality is worth..

[@amy2284]

Yay it’s Dave again!!

[@Nigriff]

Linda from Seattle is treating her 26 year old son like he's 16. He can't pay his bills, but "he loves what he does". 🤪

[@barrict2]

That call grossed me out. A 26 year old should be an adult.

[@itsallperfectlynormal9805]

I kept asking why she was all up in his business while not knowing all his business. If she's going to give him anything, it should be Dave's book and butt out.

[@Jessica_Newell]

Oooh rent free from house to head. Boom. Mic drop! 🎤

[@lilic6747]

1:44:24 why would you move up a house but your salary is cut in half?? They should have pointed that out

[@TheBrittbrat2341]

My husband's stepdad died in surgery and had bought a house with his fiancé. Well, his fiancé got NOTHING! His kids sold the home and split the money between themselves, and they wanted her engagement ring, which she refused to give up. Makes it hard to like these types of people. Doesn't matter that it was such a tragedy, all they wanted was the money! Didn't care that they put her (finace) out of "their home". 😢

[@Davefitz04]

Alex from Tennessee should really rethink San Francisco lol. Such a declining place

[@Nigriff]

Poop on the sidewalks.

[@michaelaweatherman7682]

​@@Nigriffnot a lie... witnessed multiple people poop on the sidewalk or in the street in San Diego as well.

[@Nigriff]

Maybe Alex is gay and is looking for a man. That's a legit reason to go to SF

[@G.Dandres]

​@@michaelaweatherman7682come to Florida , Miami .. disgusting, plus high taxes and high insurance while your home float like a freaking boat.

[@amireallythatgrumpy6508]

The whole USA has poop on the sidewalks. It's not just San Francisco.@@Nigriff

[@MrAllie-bf6zt]

Ask the people what they do for a living.

[@jeanniebishop6775]

No good company would provide the vehicles for work. That is ridiculous!

[@jasonsmith3209]

*not provide

[@sharoncounce8907]

I worked for a company that did.

[@desco7628]

My wirk actually has vehicle 🚗 we can use but only as a Coordinator

[@BP_PE90]

Good companies give you a vehicle to use if you need to have a certain kind. Okay companies pay you a stipend for you to buy one. Bad companies make you buy one with no financial backing.

[@mmp495]

The GOAT!!!

[@americanmade36merica99]

Lol Dave Dave Dave, I honestly bought the 1st house I looked at (101.30 hour marker of papa Dave's decision making advice). Partially because of a lazy, poor customer service realtor. However, I don't regret my home purchase. The seller also made my purchase easier, no haggling back n forth on price.

[@rosedewittbukater5763]

"I'm a fruit inspector" 😂😂😂

[@paulawarwick4905]

I kind of agree with the pastor. It's not being bad at budgeting, a $1000 isn't enough as an initial buffer. The transmission on my car went out right after I had $1000 saved and started Baby Step 2. That's 4k less than what I needed to get it fixed and I live in an area where there isn't public transportation, so walking/biking/rideshare to work isn't an option. What is the recommendation then?

[@Nigriff]

If Dave raised the emergency fund to $2000, it would be more reasonable. The emergency fund has stayed the same for 30 years.

[@lauragem796]

Keep your favorite credit card for emergencies like the one you just had or save up an amount of money you feel comfortable with and then start paying down your debt.

[@antonioiniguez1615]

Baby Step 1 should be saving up a 1 month emergency fund. Expenses are different for everyone

[@jennafairhaven9084]

The pastor who was talking about the buffer, wasn't talking about the $1,000 starter fund. It's for those of us that are starting on baby step zero and working our way to step one. Admit it, it's pretty standard for those of us starting out to have subscriptions or piddling monthly bills drafted off credit cards. We don't keep enough of a 'buffer' in our checking account if one of these hits and we've forgotten to track that in our first 90 days of adjusting to every dollar budget (because we're drinking the koolaid, watching each day, and really want to be 'gazelle' intense). They made a great point when they talked about following the budget vs. following the balance.

[@bluebelle9572]

Oh Noah, that’s one heck of a stupid tax. I hope you have an awesome year from here on out.

[@bettedavis9261]

People like that first caller (who seems like a really sweet lady) scare me, because they don't appear able to think for themselves. The legalism is problematic, as well.🤦🏼‍♀️

[@LeiliaAnne]

The guy at 1:50:00 needs to tell his parents in law that their daughters need to be held responsible for the back rent that they owe and the amount of money that it cost to clean up the mess that they caused. If their parents, especially their dad, will not hold the two of them responsible, then he needs to go and sue the two women and get their wages (or SS Disability) garnished for the money that they owe. It is all well and good to say Live and Let Live, but I have known people like this and even if you forgive them, they will not forget that they one-uped you, and they will continue to try to take advantage of you and everyone else in your family. And I guarantee that if Dave had someone who owed him back rent and who trashed one of his properties that he would sue them for the back rent and for the cost of repairing the property. Telling this guy that it was all his fault, which he should have turned the two out on their behinds when they first started not paying rent, is fine. But he needs to also have the advice of you need to teach them that they should not be taking advantage of people and that there is no such thing as a free ride, and if you destroy someone's property you have to pay for it.

[@pamsmith1665]

SS disability can't be garnished.

[@angielo8070]

Someone had told me that Dave had retired and Rachel is replacing him. I was disappointed...no offense to her but I am so happy to see Dave back :-)

[@catherineskis]

Mr. Ramsey has said that he does not intend to retire because he is having too much fun, but that he knows that the lord is going to call him one day and needs to train his staff.

[@stephenedwards9341]

For REAAAAALLLL. Can't stand her.

[@MarissaSarden-kv2uv]

"They is who they is"

[@reyrey992]

All the people who hate on Dr D, could probably benefit the most from his advice. All choices are rooted in psychology. If you can figure that out early, you're far better off in the long run

[@flashthecorgi2053]

THIS, I wish I could like your comment a million times!!!! ❤️

[@reyrey992]

​@@flashthecorgi2053❤

[@BrettYoh]

But are you safe? 😅

[@jessicabryant7541]

I wish someone had asked me that. I'd probably be a lot better off than I am today

[@reyrey992]

​@BrettYoh you're definitely not

[@alycat9186]

The traveling nurse should do an income tax calculator based in CA and see what his net would be on the $300k. And also look at what rent, food and heating costs are and see what his net would be. And then see if he can find a salary somewhere else that would net more or the same or even if it’s less the quality of life would be better bc cost-of-living is cheaper and houses are cheaper. Also, if they prefer to have the option to opt out of vaccinations or they don’t mind being mandated for the vaccinations all should be considerations. Also, if you want to put down roots and you meet someone there they probably won’t want to move and how much does it cost to buy a house there? Meeting someone who would be open to moving if buying a home would not be feasible would be an important early convo. Also, do you want your future wife to stay home with the kids then the math needs to work on ONE salary. All very important considerations.

[@Nigriff]

Maybe he is looking for a man. SF is a good place to find a gay partner

[@DONCLI2]

I'd like to see Ramsey's Solutions Inc. set up a fund his listeners can donate to help people and put one of his employees in charge of distributing to deserved callers. Kind of like the medical insurance program they promote. We called it a Sunshine Fund where i used to work. I mention this now because of a show from 8 months ago and a caller named Charlotte from Kentucky should be first to receive some help.

[@Nigriff]

I do believe Dave has financially donated to callers off air.

[@eleo_b]

That will attract a lot of tearjerking stories and I don’t it should be all about that. The main focus should be about regular people changing their spending habits.

[@Nigriff]

Hailey, if you and your husband are living paycheck to paycheck, stop having kids. 😮

[@Nigriff]

Or get a job

[@greenis3006]

Did I miss the part where he said he was going to work for his father? Because to me it sounded like he said they were going to go into business together which would make them equal partners. His father isn't his boss at that point, as you said, separate family from business. That's his partner, they are equals at work. I went into business with my father and he tried to play that seniority bulshit with me. I left to do it on my own and he tried to use OUR contacts to put me out of business so I destroyed him. Just like I would if he or someone else. 🤷

[@BeeDee-qs9so]

🙁That sounds brutal. What a shame that had to happen to you. I was thinking that it was possible that the son was the “boss” business owner and was maybe bringing in his Dad as a co-worker. There were definitely a few assumptions being made.

[@greenis3006]

@@BeeDee-qs9so oh no it was by far the best thing that ever happened to me 🤣 2018 I was on the verge of losing my house, burned up all my savings, etc. Jan 2019 I started my new business and it's been all gravy since.

[@flybyav8tor]

$60k truck on a $200k income seems like a lot to me. That’s a lot of money that could go into an income producing asset. That’s my only gripe with lumping the home into net worth, it doesn’t produce an income.

[@Nigriff]

I agree. Just by a 3 year old truck for 30k

[@amazinggrace8136]

12:58 Doing what the Bible says will make you prosper?? just like the apostles right Dave?

[@chpppbgs]

I’m sorry I just can’t encourage people to keep having kids if they’re not financial able to take care of them! It pisses me off 😮‍💨

[@kimsmith8219]

We love Dr John. Thats why his show is taking off.❤

[@LittleMopeHead]

There will probably be a shortage of psychologists and psychology related jobs (if not yet) in the future due to both financial issues and mental health problems. Take a look at all the social media today and their affect on human mentality.

[@bettedavis9261]

The catchy and rather sensational titles of his videos probably help.

[@flashthecorgi2053]

@@bettedavis9261yes, but even with sensational and catchy titles if he wasn’t a good professional who gave good direct, actionable advice and with so much compassion, and empathy his show would never take off the way it has. It’s solely due to John’s personality. People trust him and love him. He doesn’t shame people, he sees the humanity in people, and genuinely wants to help them take the next right step. He’s a safe, trusting person to call when you need help!

[@Nigriff]

It's weird to say you love people you don't have an actual relationship with. It seems like people are so desperate for a father figure that they latch onto people who say they love you.

[@Nigriff]

​@@bettedavis9261and people desperate for any kind of psychological help

[@cucarlos91]

$1000 is absolutely not enough for an emergency fund. This is feasible maybe for a college student but not for a household. A transmission repair, home repairs, insurance deductible, etc. can be several thousands of dollars. This might be efficient when tackling debt but not for unexpected life situations.

[@Nigriff]

Agreed... it's been $1000 for 30 years 😂 Dave is not one to like change.

[@mikkibates7854]

Feel free to make it $1500. It's your personal choice. If the emergency comes, money going toward the debt Snowball would be redirected to the emergency- temporarily.

[@emilsisorganizandote2688]

They always explain that the $1,000 dlls is for people that are in debt. It is a little something for a weekend hotel room in case your house burn out or somebody end up in an emergency room. The real emergency fund is from 3 to 6 months of expenses!

[@astrosanimelab2234]

$1000 is a quick win and a short term emergency fund Baby step 3 is an actual emergency fund with 3-6 months of living expenses I can tell you heard one sound bite and turned your brain off 🤣

[@cucarlos91]

@@astrosanimelab2234 hey man, I am not comfortable with having $1,000 in my bank account . I have 6 months of expenses for emergencies only. The issue is that people can take years to pay off their debt or to get to baby step 3. You should go over your baby steps since you can’t skip 2 to get to 3.

[@emilsisorganizandote2688]

We love you Dr. Delony. You are the best!❤

[@Jules17937]

Dave has been so mean to callers lately. :( they’re calling in good faith and he keeps interrupting them and yelling at them for no reason.

[@heatherohio778]

True 😕

[@Nigriff]

Drama John "I can't breathe" Delony is on good behavior with Dave in the room. Less childish humor and less frat-boy "dude" speak. 👍

[@stephenedwards9341]

Yup. Hate that crap. But that's his schtick. He's good looking though 😏

[@lyndahammel9502]

The pastor needs to take the class on baby steps. You could tell that he doesn't understand the baby steps.

[@alexisserrano5158]

Small town mentality?

[@lyndahammel9502]

@@alexisserrano5158 I just think that he needs to take the class.

[@christabellecarpenter2354]

No, not small town mentality. He made a good point. And Dave said as much. That the advice is conflicting. Don't take out a loan, but it's okay for a mortgage. But on other calls where people need to sell a vehicle but come out upside down, Dave has literally said, how's your credit? Can you get a small loan to pay off the car, buy the car, etc. He doesn't say it often but be has. The pastor saying a vehicle is necessary means he's probably 30 mins to an hour from everywhere and there's no public transportation.

[@pingupenguin2474]

The trouble with mortgages is very few people would ever have a house without taking a mortgage. Without one I would have been stuck renting dingy rooms all my life, as rent size prevented me from saving much. So I think Dave is viewing mortgages as either a necessary evil, or something people will do regardless. So he advises pay cash if you can, but if you have to have a mortgage then sign for the shortest mortgage time you can manage, pay as much deposit as you can, and pay extra if you can, all so you can get rid of the mortgage as soon as possible after you are otherwise debt free with a fully funded emergency fund and a good retirement account going. A beat up car is much much cheaper than even the cheapest housing to buy, so cash purchase is more possible if your work requires one.

[@amazinggrace8136]

I don’t care for the baby steps and don’t follow them myself. Just work hard, save and invest and you’ll be fine. It’s not that hard.

[@ddavid_kardia]

"Research" and "nonprofit" are key words indicating lack of career focus

[@Nigriff]

Facts

[@catherineskis]

It sounds like that man is a woke little democrat who is getting a PHD in Green Energy whose future job is to take our gasoline car, put us into an electric car that won't work in a snowstorm!

[@roxanneldeleon3801]

Dating for 42 years, lmao 🤣

[@Nigriff]

I know, right... that's just crazy 😂

[@Davefitz04]

Linda is already enabling and spoiling her kid. But i digress.

[@catherineskis]

Can someone please explain to me what Mr. Deloney and Mr. Ramsey are talking about that "slosh" because, that's what I'm doing, if I pay all of my bills, then that is what I have to spend on embroidery thread or at Simon Says Stamp. Of course I don't spend it all away because I like to put extra into to savings and I'm always scared with my money but I never budget for craft money because what if I...

[@Joce123]

Dave Ramsey tells people to get a personal loan to pay off an upside-down car loan

[@Baldwin321]

With markets tumbling, inflation soaring, the Fed imposing large interest-rate hike, while treasury yields are rising rapidly-which means more red ink for portfolios this quarter. How can I profit from the current volatile market, I'm still at a crossroads deciding if to liquidate my $125k bond/stocck portfolio.

[@Annie56427]

The market is volatile at this time, hence i will suggest you get yourself a financial-advisor that can provide you with entry and exit points on the shares/ETF you focus on.

[@Christian67337]

very true, I started investing before the pandemic and that same year I pulled a profit of about $600k with no prior investing experience, basically all I was doing was seeking guidance to make a from a financial-advisorr, you can be passively involved with the aid of a professional.

[@Scarlett34568]

Please can you leave the info of your investment advisor here? I’m in dire need for one.

[@Christian67337]

Aileen Gertrude Tippy That’s my licesed Financial advisor you can easily look her up, Thank me later!

[@Scarlett34568]

Thanks, I merely looked her up on Google and was highly impressed by her credentials; I got in touch with her because I need all the help I can get. I just set up phone call.

[@Elizabeth_lowkeyluxuries]

Living paycheck to paycheck, we cant make ends meet. Let's have more kids! Poor kids.

[@jmiller2208]

The opening sounds are soo loud! Also, the opening music is soo loud! O my gosh.. the podcast too.

[@bettedavis9261]

Could you possibly turn down your volume? That might help. I know from experience I have to adjust the volume between the callers and the studio. I have to turn the sound up during the callers talking and back down when it's the hosts talking.

[@WritingFearlessly]

He should wait for a million to have the whole swag drive out the lot knowing he accomplished it cash and with 1 mil in the bank

[@theclothingcottage]

Couldn't the fiance leave his son his half the house even if they were married?

[@Arnold001-1]

Why does delony always make that sound before he speaks, he makes it seem like it’s a tragedy. It’s this scoff sound, like a “ufph” “ufff”. Dude sounds like he blew out a tire everytime he speaks. Stop making it seem like everything is a catastrophic event. Some calls are so simple and he wants to dig for something that’s not there. Chill out delony.

[@mmp495]

You chill out.

[@LittleMopeHead]

Go outside and chill out on the grass bro.

[@Nigriff]

He has weird sounds and gestures for sure.

[@Nigriff]

John induces anxiety

[@shanehanooman9132]

Clearly you aren’t an expert in his field. Jon knows what to look for.

[@NudgineMicourt]

Did u pray today

[@Nigriff]

Multiple times

[@christabellecarpenter2354]

Paint or get off the ladder.....i laughed out loud on that one. The lady who bought a house with a fiance who died....gurl get you a lwayer, sell that house and get out of there. He shouldnt have done the quick claim deed to his kids.....total betrayal to you. Im sorry that happened but get outta that house before those kids decide they want it.

[@n64luke123]

I watch Ramsey for entertainment value mostly as I'm pretty financially literate and disciplined, though 3% of the time I do learn a thing or two, but I would advise people or couples (and all the financial people on KZbin seem to say the same thing), don't form a budget until you have a month or 2 of actual well tracked expenses data collected to see where all the money is going, and then budget from that. It's easy for people so say "yeah lets only spend 50 on eating out" (thinking that's half of what they normally do), only to in actuality spend 400 normally. They need a number to asses it against. I think at least.

[@willtacoma2ndgen661]

1:54- 2:03 Papa Dave went off on this soft landlord that let his wife relatives stay at his rental unit and they took alot of advantage of them holding 3 months back rent plus 6k dollars woth of damages . This is the first time seeing Dave went off on air on a guy 😂😂😂.

[@zhnama]

Why do you do have to say 1993 1000 years ago, that’s only 30 years make me feel like a dinosaur over here😆😆😆

[@josephcampana8102]

The renter is slave to the landlord. Try that one on for size.

[@donaldtank]

In 2015 I was a over the road truck driver and I was married to a woman didn't like to bounce the bank account and she didn't like you David then I left her then I got a blister on my foot and my mom beg me to go on disability and I am not happy and my doctor took my led foot back in October I wish I can go back to driving

[@donaldtank]

I don't have a vehicle just a bicycle

[@donaldtank]

I read and write at the second grade my school's passed me through

[@shamsfrough5416]

Been watching the videos since 2 weeks. Amazing work you guys doing but I wouldn’t limit this to Christianity or something.

[@bettedavis9261]

Oh, I'm sure not all listeners are "Christian."

[@Nigriff]

John assuming the worst and calling the dead man scum and coward because he decided to leave half his house to his kids rather than the whole house to his girlfriend is ridiculous. John loves seeing women as victims. We only heard the girlfriend's half of the story. Maybe she did something like cheat on him while he was dying. Dave always says it's biblical to leave a legacy for family, and that's what he did. Maybe he realized he was living in sin, had a change of heart and didn't think it was best to tell his wife. We don't know the whole story

[@flashthecorgi2053]

Dude, why do you feel the need to comment something negative about Delony literally EVERY. SINGLE. TIME. He’s on? Dr. John is doing his best! If you think you can do better, why don’t you apply to become a Ramsey personality? It’s so freaking obnoxious. I don’t think you have any clue how hard Delony’s job is. He deals with trauma on a DAILY basis. Taking calls from abused people, hurting, abandoned, traumatized, etc. Then on top of that John himself has extremely low self esteem which is why he can’t just take a simple compliment. Hence why when Dave said “you gained 40,000 subs in one week, that’s a big deal!” He deflected and said his mom was making those profiles. John is trying, give him grace! Put yourself in his shoes and imagine taking calls from getting people hours out of the day. It’s gets exhausting. As for all of your critiques about his immaturity, frat boy personality that’s just his ADHD and silliness. That’s just Delony. I’ve met him and that’s exactly who he is. He doesn’t just play a character, he’s genuinely a happy, hyper, full of life guy! AND let’s be real clear his personality is why he is the most popular and most successful personality on the Ramsey team!

[@julesballe463]

Has 800 THOUSAND in savings, wait until they save 1 MILLION....what nonsense,... he needs to WAIT UNTIL HE DIES, and then buy that truck.....😮

[@lyndahammel9502]

I agree. Buy the truck today.

[@cjohns364]

He doesn’t have 800k in savings. He has 800k in net worth. That’s including the value of his house, his retirement, everything. And it’s not really about the numbers, anyway. It’s about whether they would flinch if someone set 15k of their money on fire, which is what you’re doing when buying a new truck. If you only have 500k in retirement and a 300k house, 15k on fire on the floor might still feel like a lot of money.

[@billsmith5440]

Just my two cents, the 1k starter emergency fund is not an exact science and may not be the enough for everyone in every situation. The caller with a family and worried about an impending hospital visit for their child should increase that starter emergency fund. Dave Ramsey himself has said the baby steps are not an exact science. I own a home and have two children so I decided for my situation I was more comfortable with a starter emergency fund of 5k for baby step 1. Use your common sense and mold the baby steps to serve your situation better. The principles are there that’s what’s important. You can move a little around here or there to be more successful if need be.

[@twinmama16]

He talks about this, if you have a chronic issue or something is coming up, you budget for it

[@beefandchicken]

The point is to pay off your debt so you don't have payments and interest eating away at your income. Then, when you do have something come up, you will have the money to cover it.

[@KiciaKocia88]

Hospital bill for a birth….. good lord that can be only in America. Disgrace to its own citizens

[@unbothered6357]

Good advice but he can be unnecessarily aggressive and hostile. Good thing I am debt free

[@AdamS-t3w]

John is the most arrogant host in podcasting.

[@flashthecorgi2053]

So is arrogant the newest meaning of the word extremely HUMBLE*? Because Delony won’t even take credit for his growth of the show. He deflects and thanks his amazing team, or says his mom made the accounts, he won’t just flat out say he’s amazing and helping so many people and that’s WHY his show is blowing up!

[@cbzent1]

Dave’s a little grumpy today

[@amireallythatgrumpy6508]

That can only be a good thing.

[@lyndahammel9502]

Let him buy the truck today!

[@NudgineMicourt]

Cause if u didn’t ima have to d u down on some gangster shiiiiiii

[@Truckerdaddy]

Look if you have a child that is a newborn, most states will cover that child with some form of Healthcare for up to 5yrs so you don't have to pay squat for medical costs. I made $90k when my daughter was born and she was still covered by medicaid here in Texas. So go do a little research and some paperwork to get those benefits if they are available to you.

[@Nigriff]

You spelled taxpayers wrong

[@mikkibates7854]

That sounds like wishful thinking. What specific states have that? What income limits make the difference? It's certainly not available where we live.

[@Truckerdaddy]

@mikkibates7854 I live in Texas. Check your local human health services office or whatever it's called in your state and see what programs are offered to pregnant women. Every child my wife and I have had has been covered and her OBGYN took care of it

[@dr.johnnyfever9194]

Ugh, John D is the worst host. Too emotional, deep as a puddle. Can’t listen to this one

[@flashthecorgi2053]

That’s his job! Dave hired him to be the emotional/ mental health expert. You’re welcome to move on and not comment/complain! We will enjoy the GREAT and wonderful Delony! 😊

[@flashthecorgi2053]

@@lynn.paul.pierre.kdxprod.Just want to say he very much appreciates your views and watch time you give him. Just know the more you click on videos with john the more he will show up in your algorithm. So be prepared to see more of the GREAT and wonderful Dr. Delony! 😁

[@dr.johnnyfever9194]

@@flashthecorgi2053 keep crying boy

[@flashthecorgi2053]

@@dr.johnnyfever9194​​⁠Woman* sweetheart! Try again… do you have a better rebuttal besides pseudo insulting me?

[@LittleMopeHead]

Dr.johnnyfever, username checks out

[@antonioiniguez1615]

Ford F-150s and Silverados are absolute dog water. Pickup trucks in general are dog water

[@RomanGavrilov-rq8sd]

If the teaching that makes someone rich, cannot and will not make one rich in the 3rd world country, then it is a lie, false and does not build up, but destroys first the one who teaches it and gets rich off it, then the ones around him. They might not know they being destroyed but they are.

[@amireallythatgrumpy6508]

There's no such thing as rich in a third world country.

[@RomanGavrilov-rq8sd]

Is that what you think? Can you say someone with a lot of debt is like living in the third world country? So can someone be rich in a place like that? I think you do not know what you should know and Ramsey won’t teach you that.

[@amireallythatgrumpy6508]

I know more than anyone who lives in the USA ever will. @@RomanGavrilov-rq8sd

[@Nigriff]

I guess you don't see all the commenters from "Third World Countries" thanking Dave.

[@RomanGavrilov-rq8sd]

I did not read such comments. If you ask me, I had debt before and did not. If one can feel free with or with out a debt they in good hand, the hand of Christ

[@RomanGavrilov-rq8sd]

Why would someone talk about their house like that? Pay off the stupid thing! Really? If I understand correctly, the house is a blessing. Dave everything ok with you? Are you just another one with millions who loves money so much you would crucify Christ?

[@LittleMopeHead]

What

[@veerebel7112]

Debt is debt. Get rid of it. If you disagree, you're on the wrong channel.

[@saulgoodman2018]

Dave's an ass. Sean was just asking legit questions. And the narcissist got angry at him.

[@nukeawaynukeaway3466]

Sad to see Dave back. Show is way better without him. Also, be weary of paying this guy $200 for "investment" advice. He will tout a "12% return" and offer that "8% withdrawal rate" is perfectly fine. DO NOT follow this advice. Stick to debt strategies, Dave. Your investment advice is reckless at best and downright criminal at worst.

[@bookwormbon482]

That's such an awful thing to say. Imagine how you'd feel reading that comment after building a business to help people. Your words have the power to really hurt people for god sake. You are also downright wrong!

[@LittleMopeHead]

Take a chill pill. Dave has 30+ years of experience and his advice are clearly working and helping people.

[@nukeawaynukeaway3466]

​@@LittleMopeHeaddebt advice? Yes. I generally agree. Investing? I stand by what I said.

[@larryharris6126]

What's your net worth and how much debt do you have? You better be Jay Z or Bill Gates if you're knocking on Dave's advice

[@desco7628]

Dave was one of the reason I was able to buy a house on my own!! No help!! I did it!! 6 years now 🎉& double my house worth & income 🎊

[@michaelboyce3871]

Why does the house get counted when you're not selling it?

[@notgivingmyemail3381]

Why do mutual funds get counted? You don’t sell them…until you have to. A house is an asset (unless you like Kiyosaki’s view), if need be you can sell that asset to increase your cash position.

[@Nigriff]

​@@notgivingmyemail3381but people will always need a house. It's not really an asset if you have to have it. Do you count body parts as assets?