This Is Why You Don’t Let Fear Drive Your Financial Decisions | March 18, 2024

The Ramsey Show (March 18, 2024)
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George Kamel & Ken Coleman answer your questions and discuss:
- "How do I best set up my debt snowball?"
- "How should we use money gifted to us?"
- "Can we afford to go on a vacation?"
- "Are we buying too much house?"
- "Should we be intense with our down payment savings?"
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[@BeeDee-qs9so]

Ken did a masterful job of handling Troy’s question and managed to cut through the itemized career concerns, right to addressing his worry that his life might be “cut short.” Other hosts have mocked callers by laughing or minimizing, but Ken kept focused on this young man’s path to progress. In my opinion, this is an example of what compassion and empathy look like. He didn’t give Troy any parables relating to his own life, he just kept it real by reminding him that life has uncertainties for all of us. I really respect Ken’s ability to talk to a young person without being condescending or preachy. Just remarkable. 👌🙂

[@reyrey992]

Ken should be the next to run this show

[@novascarlet9058]

Agreed! Ken is a great guy

[@meanmugging]

Ken is one of my favorites. He's very underrated imo. Him and Dave are probably my favorite combination now. I do like him and George though.

[@bettedavis9261]

Just a couple of years ago, Ken seemed condescending, and then something changed. He's now the most empathetic host (he and Rachel). He's great at discernment and getting to the meat of the question. He really seems to care about the callers, not just pay lip service that he does. He's become one of my favorites.

[@jennymeier3018]

I was excited caller was from around my area where we live!! that never happens!

[@thebusymrs]

This has become my favorite duo on the show when Dave is not around! Y’all are so great!!

[@normantheforeman9866]

Ken is fantastic on the mic and stays on point of a question. He asks questions in order of relevance not just chaotically as some callers ramble side stories lol

[@concettacuva5018]

These two bring energy and joy. Respectful playfulness is so much fun!! They are great together!!

[@Soccer1683]

‘And for that reason, we are out. You just got shark tanked’ 😂😂 made my day! You guys are the best!

[@alexisballard1459]

Take a drink every time someone calls into this show and asks for info that is already readily available online at the tip of their fingers in simplest terms possible - how hard is it to grasp baby step 2????😅 starting to get the feeling people call with these SIMPLE questions just to get a free product offer

[@williamehlers5158]

Yes, but in fairness, if you spend time looking up anything on the Internet, you’re going to find a bunch of other things that contradict one another as well. Some people need to hear it straight from the horses mouth.

[@edithberntson5174]

And the show would be obsolet then

[@shanehanooman9132]

I don’t think it’s just a google search. For a lot of people they don’t know anything about money. I’m sure there’s lots of things you don’t know you don’t know.

[@lizziebeth5296]

My favorite combo, George & Ken.

[@bettedavis9261]

Our root beer float!

[@Nigriff]

Orange Fanta Float

[@Rick-of6gx]

Definitely my favorite as well, if Dave himself isn't available of course for one of the spots!

[@BeeDee-qs9so]

Mine as well, @lizziebeth5296

[@gisselaalcala5833]

George answers are on point!!

[@nickspicks9579]

Aiden - Atlanta, GA. You could use your English degree and passion for the automotive industry to be a Product Data Specialist. You would research Automotive parts and write product descriptions for manufacture / whole sellers websites.

[@LordBass]

And the way he talks, I think he could go more an engineering route. Why not work to be some kind of technical leader at GM or Toyota. Become part of the team that builds the next Corvette. Why not?

[@sheepsheadmary4673]

I like these two guys working together.

[@alexlee9982]

I like Ken and George’s advice in this show

[@terrydebore6366]

everybody wanna be a bodybuilder but nobody wants to lift no heavy ass weight!!! imma do it though. -Ronnie Coleman thats for you troy 1:12:47 spot on Ken

[@amy2284]

Great show to watch very inspiring - wish Ken and George sounded more excited with debt free screams like the first one- there is just so much excitement when Dave is there about those. Those moments are the first pinnacle goal on the Ramsey plan.

[@Davefitz04]

I really liked the call with Aiden. Wish I knew the guy Im only a little older and seems like a bright and cool young guy. Im betting that if he works hard he can make a lot happen.

[@ThePolypam]

"What's your income?" "So, what happened was that..." "Are you underwater on the car?" "So, thing is that it's kinda complicated..." In court the judge would force them to answer. The. Goddamn. Question.

[@PharmersConsulting]

these shows really reveal to you how incompetent people actually are at answering directly. its always a story... lmao one answer responses are so hardddddddd to them!

[@mmp495]

Spuper duo! Ya'll need your own show and tear it up. 😂

[@Trustbutverify2651]

Yes, we all want a great retirement. But there is also a balance with enjoying life now. No one knows what retirement is going to look like health wise, and some of the saddest people I know are retirees who saved all their lives for their retirement and now don't have the physical ability to do what they dreamed about.

[@bettedavis9261]

That happened to my in-laws. My FIL got a brain tumor at 62 and had to retire early. My MIL had to retire early to be his full time caregiver. Their lives became going to doctors appointments and the grocery store instead of the traveling they had planned on. He lived for seven more years, then my MIL passed away 13 years after that. She did reno her house, so that brought her some satisfaction. She also had lunch monthly with former coworkers; and she and I went to lunch and shopping monthly. But it was definitely not the retirement she thought she'd have.

[@Trustbutverify2651]

@@bettedavis9261 On this show I find that, because the personalities are all relatively young, sometimes their advice does not take into consideration the factors that can change as people get to retirement age. They really need a co-host other than Dave who is on the show regularly and can help with advice for older people.

[@bettedavis9261]

@@Trustbutverify2651 definitely

[@Nigriff]

My grandfather saved his entire life and paid cash for everything. He died of a heart attack from all the burden he carried. He never got to enjoy his life. I'm trying to balance living each day to its fullest while also preparing for a future. Nothing is guaranteed and a heart of gratitude is key

[@Trustbutverify2651]

@@Nigriff Good for you - that's the way to do it!

[@lynn.paul.pierre.kdxprod.]

Love George and Ken ❤❤👏👏👏

[@laurenallen2057]

I haven’t had a root beer float in years. Now I’m craving one.

[@darkstanley7698]

A&w is my go to

[@debbieluce8009]

I was thinking the same thing! 😂

[@sameersmerchant]

Let’s see George learning stick on the Ghia! I’ll pay for a new clutch!

[@camilleevans6085]

Omg I'm seriously addicted to the Ramsey show and minority mindset. I recently decover the Ramsey show from minority mindset. I now bypass all other KZbinrs just to listen to these interesting podcasts. I'm so driven. I guess all these years' common sense wasn't so common to me 😅 thanks to the Ramsey show and minority mindset for enhancing some common sense at 41yrs. I'm happy I'm learning now and not when I really reach retirement age and don't have nothing but designer items 😂😅. To God be the glory, I prayed for financial breakthroughs, and I'm well on my way 🙏 🙏

[@nukeawaynukeaway3466]

Yay! No Dave, such a better show Good work George/Ken

[@mellowbirddreamer77]

That first debt free scream was more like a debt free squeak lol. Good job for them 😊

[@melissasesma3218]

Ken is my favorite after Dave 😂

[@joseluna5934]

That question about the lottery and CC points really got me thinking! Even tho DR believes no CC for points im 50/50 on that thinking. I dont play the lottery at all, I use 1 CC for my business and enjoy free fam vac every year and haven’t pay a penny in interest. Just be careful how to play the system.

[@Trustbutverify2651]

I would never give up my CCs and I don't even have a business - pay them off as soon as a charge posts and use the points for SO many items that I don't have to put into the regular budget (gift cards, food for church pantry, etc.). I also like the tracking my CCs automatically provide and, since I travel, I get lots of perks on planes with my cards (free bag, priority boarding, etc.) Returns are much easier with a CC when I have to make an exchange and we can also reserve a motel with a CC and pay with a debit when we check out and know the final total. I can't imagine the hassle of trying to find a car rental company that will take a debit.

[@christophersiegismund4101]

Great job root beer float team.

[@lovetotakepictures]

David, talk to your attorney. Most stated do not consider student loan debt as marital debt.

[@Nigriff]

Dynamic Duo... Orange Fanta Float.

[@amelialaiacona9295]

Omg I can’t deal with this app guy 😂😂😂

[@pamsmith1665]

Yes. He was as dumb as a box of rocks. How did he get past screeners?

[@kyliemagitz2641]

Heather- I’m a social worker for kids in foster care. That money is your sons not yours to dictate. It’s a shame you’re not even telling him about it let him atleast be part of the conversation since it’s money he’s getting from the government and not from you

[@Nigriff]

Agreed

[@motoryzen]

Well this is what trash TV like the real, the real world, the view, and other feminazi type of content brain dirties young women and young teenage girls into thinking that they are entitled to anything, but the same so-called women will brag about being mothers and that motherhood is so hard meanwhile they just had their little 3 year olds of phone a separate phone while the mother stays on her little Snapchat and quitter and trash book and who ring herself out

[@lauragarcia3510]

I was thinking the same thing. I agree as a 17 year old he wouldn't know how to handle it properly but once he's 18 he should have access to it legally. She should tell him about it and have him help make the decision how to spend or save it.

[@notgivingmyemail3381]

I have a little different point of view. One, he’s been adopted so he’s not in the foster care system anymore. (Not that it changes my view if he wasn’t). Two, money received from social security (or foster system) while the child is still a minor goes to the caretaker to take care of said minor. Three, the fact that his parents are choosing to spend their own money to support him and save the social security money for him to use at a later time is exactly that, a choice. They are not obligated, see point two, to give him any of it. Side note: how does a foster care social worker say that the minor child is the one to dictate how the money gets spent? Does it change based on age? Are we allowing 4 year old children to dictate how the monthly stipend gets spent, either before or after adoption? Is the monthly stipend not meant for the care/support of the child?

[@kyliemagitz2641]

⁠I appreciate your point of view. To answer your question, children who grow up in the foster care system (meaning they haven’t been adopted or assigned a legal guardian) get independent living skills starting at age 16 where they learn about budgeting/finances, college prep/ workforce prep, apartment living etc. So yes if they are 4, no they are not contributing to the conversation about money. But in this example that I am addressing, he is 18. They said he was adopted at age 17. So he should be aware of the resources available to him and the financial resources as well such as free education for in state colleges. I mostly raised my eyebrows at her not even telling him about the money because it is in fact his money & she should ATLEAST have a conversation to him about it. In that, she can provide her point of view of what he could do with the money. This is a unique situation. We don’t know how long he has been under her care, but because he was adopted at 17 I’m guessing maybe a few years. I just don’t think it’s fair to approach this situation as if it was a child that she has raised since birth(with or without government involvement). Again, main concern here is purposely keeping it from him.

[@personaltrainer1]

George!

[@oliviahoyler453]

David has debt, so he is in baby step 2. He is also in storm mode. He needs to stop investing and stack up cash. 15% of $103000.00 is about $15,450.00. Add to that his half of the savings minus the baby emergency fund of $1,000.00 and his half of the proceeds from the house. He quite possibly not have to dip into his retirement at all. I'm praying for you all.

[@stevensommar5967]

Big Snakes go debt free. Way to go Luke!

[@mrscdhf]

In 1980 a real estate agent told me we would never see single-digit interest rates again. :-)

[@Nigriff]

Yep... and about the same time, Time Magazine was warning us about "The Coming ICE Age" 😅😅😅

[@Nigriff]

Don't waste your time and money with an auto mechanic trade school. Local mechanic shops are desperate for help and will train you while you get paid. 👨‍🔧

[@motoryzen]

Bull crap I have asked plenty of them throughout the central Mississippi United States area and not a single one said that they will hire anyone outside either the family that may Own auto mechanic business or someone who has either no experience or has never went to vo-tech or a trade school.... Even if even if I could show proof that I have competency to replace most Parts on a vehicle

[@scrivyscriv]

Didn't picture Ken as a VW guy but I can see it now!!

[@BeeDee-qs9so]

A Karmann Ghia for sure! Very Ken.

[@johndamalos7640]

Can someone tell me how a couple making $86k a year paid off $81k of debt in 14 months? Am I the only one who thinks that is off?

[@bettedavis9261]

I was wondering that myself.

[@Nigriff]

I was wondering the same thing 😅😅😅 They either got money as a gift or sold off a couple cars or something

[@bluebelle9572]

They might have had some in savings at the start and emptied it down to $1000.

[@Trustbutverify2651]

Savannah - go on the vacation! You still will have enough money in your emergency fund, with the exception of some bad news on your taxes.

[@Nigriff]

Agreed... they gave her good advice

[@bettedavis9261]

1:44:00 why isn't Amy in Baltimore calling her financial advisor for answers? If she doesn't have one, she needs to get one (kind of like a moving buddy in Toy Story😉). I did appreciate she had all her figures in front of her and was well-versed with her information, unlike many callers.

[@Nigriff]

Her husband is in the Baltimore Police Department. I hope he has life insurance

[@SalviAkshay]

Kamel Kamel Kamel!!

[@BeeDee-qs9so]

Amy’s quiz-a-thon of investment questions had George proving once again that he’s not only hiding nothing under a bushel, but there are no flies on him. 😮(Is George sure he doesn’t come from an English/Scottish family?)😂

[@theclothingcottage]

I think it's too long when your tax person takes weeks to get it back to you and it's bumping up against the deadline.

[@bettedavis9261]

With ours, we scheduled a time for an appointment. Has to have our supporting docs in 48 hours prior, either paper copies or online. Our CPA went over all info during our appointment, and told us the amount we'd owe for federal and state. Then, it took about ten days for the return to be ready for e-signatures. I felt it was a timely process.

[@nukeawaynukeaway3466]

58:51 or just get a 30 yr mortgage and make extra payments as needed. 30 yr mortgage is not a bad thing....

[@motoryzen]

Ramsey Solutions has already explained the reason why that a 30-year mortgage still even if you pay it like a 15 end up costing you more than if you just applied and got a 15-year mortgage

[@bribradt3450]

Agreed. 6-7 % rates aren't good, but historically the annual growth rate of investing in retirement accts will be more than that. And you could always refinance in the future if rates drop

[@Trustbutverify2651]

David's call about the divorce - why is he responsible for her student loan debt? And if she makes as much as he does, why does she get part of his retirement? He also needs to figure into the equation that IF his eventual social security will be larger than hers, then she can claim on his as long as they were married at least 10 years. So if there's a big difference there that will benefit her in the future, that should reduce what he has to lay out for her in the interim.

[@buckibanker]

Ah but the divorce courts don't care in most states. They take the total pie of both parties, cut it in half and split it. Unless one is making insane money and the other stays at home or makes a small %. Social security benefits down the road is irellivent.

[@notgivingmyemail3381]

Possible answer to both posed questions: because they used their joint income to contribute $140k more to his retirement accounts instead of paying off debts. There could be (marriage longevity unknown) a solid argument that part of her income went to increase his retirement account. She should get that money back. Another possible reason for account balance differences: they invested the same amounts into retirement but his investments performed better than hers. They could have intentionally put her account into more conservative funds to diversify (as my wife and I have done), she shouldn’t be penalized for that. As far as the social security goes she would have likely received that benefit whether they divorced or stayed married. Since the benefit would be hers either way it makes no sense to reduce the amount of marital assets she receives upon separation.

[@davidduncan3620]

Best part are the hosts, worst part was their credit card lottery take. Credit cards take money from people paying interest and give it to those who don't. The lottery takes money from those who can least afford it and gives it to those with good grades regardlessof their need. It has nothing to do with whether the scholarship recipient played the lotto or not, the money to them by a bad system. Just like credit card points.

[@Trustbutverify2651]

Totally do not understand the point you are trying to make in relating two completely different elements. To pay off a credit card or not is a CHOICE. It is a false narrative to claim those of us who pay our cards and pay no interest and still benefit from the points are somehow "paid" by those who are irresponsible about paying their cards. Even if EVERYONE paid their cards on time, the banks would still make money off of the float. Sorry, but I'm not accepting your guilt trip just because I pay my cards and enjoy the benefits.

[@rosedewittbukater5763]

On point

[@BlakouttheMM]

Yeah I didn't understand why Ken was so defensive. The lottery preys on the poor and uneducated. In fact, in one of Dave Ramsey's lectures, he says that the lottery is an immoral system that transfers wealth from the lower class to the upper classes. I think they just didn't understand what was being said. Or at least Ken didn't, and George was trying to be nice.

[@theclothingcottage]

I was hoping for a better answer on the sinking funds, that isn't talked about much. I don't think the caller was being "paranoid or a worrier." I am wondering how to approach those types of funds as well. I will need another car a few years down the line, I like to travel, and Dave has said have at least 1 % of the house value in a sinking fund. That is a good chunk of change, that absolutely needs to be planned for and also slows down paying off the house....

[@bettedavis9261]

We have sinking funds for every conceivable expense (new vehicles, roof, driveway, foundation repairs, vacation, car repairs, home maintenance and repairs, furniture, kitchen appliances). I budget for each item monthly. Every quarter I transfer the funds to our money market account. I keep meticulous notes on amounts in each category. I've done this for years, and it's allowed us to pay for everything in cash. Also, our emergency fund isn't to cover any of those expenses. It's strictly for a job loss. We don't plan to dip into it for planned (or unplanned) expenses. Prior to paying off the mortgage, we were also paying an additional two principle payments monthly.

[@theclothingcottage]

@@bettedavis9261 That's what I was thinking. Why was he suggesting using the EF? I can see moving some of the 55 k that is in excess, but I think protecting that money is really important.

[@bettedavis9261]

@@theclothingcottage well, I've heard both Dave and other personalities say the emergency fund isn't supposed to be for a job loss; that if you lose your job, you should get another one right away. Yes, you can use your EF, but replenish it immediately. Dave thinks a FFEF is for the items I have sinking funds for, and I guess Ken and George follow that same line of thought. I know I've heard Rachel prefer having sinking funds for every conceivable expense (planned or unplanned). She and Dave had quite a spirited debate one time on air (it may have been on her own show). He definitely didn't agree with her.

[@buckibanker]

I would never ever buy a flip, ive looked at tons of them, 90% of them looked shoddy with short cuts everywhere. Most just thre lipstick on a hog.

[@bettedavis9261]

Nothing like the love and care the HGTV flippers appear to put into their homes.

[@Nigriff]

That's why George is wrong... investing 20k in a house does NOT always build equity

[@Davefitz04]

Troy from Peoria....... You dont even know what real life is like yet. You need to work plain and simple, and do some soul searching until you find the thing you want to do. You may not even enjoy physical therapy once you get into it. I didnt know what I wanted to do until I was through college, and I worked atleast 2 jobs at a time and many different jobs my entire experience in college. You cant figure out what your passion is by just sitting and thinking about it. You need to experience things and try lots and lots of different things until you get to know yourself. Just make a decision that wont be detrimental to your future and go for it.

[@Nigriff]

Putting 20k into a house is NOT guaranteed equity

[@Jay-ry2nk]

I know that's crazy.I'm never putting money down on my home

[@BlakouttheMM]

​@@Jay-ry2nkdo you plan on stealing the place? Because if you put nothing down and make payments, you're putting money down on the home as well as interest on every single dollar that you pay into it. Makes no sense at all. Unless you decide to just rent.

[@joep5622]

I wonder if Dave would have known more bible verses than the pastor.

[@Nigriff]

No

[@peternunn22]

Being from the uk 🇬🇧 I'm shocked how much modt of the Americans earn. Especially compared to the value of their homes. Almost nobody in the uk earns even a fifth of the value of their home. Average uk house price is 305k Average salary is 35k

[@cbdrumr14]

How do you pay off $81,000 in 14 months making $72k-$86k per year? They must not have any living expenses

[@motoryzen]

It's a 2-hour long show it would be helpful if you actually put a time stamp so we have a clue which store are you referring to so perhaps there can be misunderstandings that can be resolved if there are any

[@BlakouttheMM]

Wasn't he in the military? You can live on base and get food for free.

[@malissakirby4193]

Paid off $86000 in w4 months on $76000 a year NO WAY!!

[@motoryzen]

Well actually it is possible depending on where one is living at the time the cost of living expenses versus what the type of debt is there are many variables involved here but the bottom line is you didn't put a time stamp of this video that way people can quickly skip tp the part you mean

[@motoryzen]

If you're talking about the time frame of around 29 minutes and a half mark, that is 81,000 paid off in 14 months that can Coleman is referring to

[@stevensalter9697]

@1:55:00 Analysis paralysis.

[@funguy1086]

David's divorce situation is my biggest fear in life. I see and hear about this happening so often that I'm terrified to ever consider marriage.

[@rachaelholderman9677]

find a person who lines up with your core values in finance, religion, thoughts on children and relationships with in-laws. Dave always talks about these four areas are the big dividers in marriages.

[@Trustbutverify2651]

Too many people look for shared INTERESTS when looking for a spouse. It's far more important to look for shared VALUES. The signs are all there IF you look for them and see a future partner in all kinds of various situations. How does the person spend money? Is the person able to make and keep boundaries, including with parents and siblings? Can the person keep a confidence? Is the person hard working and one of the first to offer help, or does he or she sit back and wait for everyone else to step forward? Does the person change his or her mind all the time? Is the person high maintenance? Does the person allow you to maintain your personhood or does he or she need to be with you every minute? What is the love language of that person and how does it mesh with yours? Hint: if you have a "quality time" spouse, that person will need a LOT of time with you! But it's so easy for young couples to get distracted by chemistry or someone they have fun with. That's nice - but it won't keep a marriage together.

[@bettedavis9261]

​@@Trustbutverify2651well said! Chemistry comes and goes, but mutual respect and friendship doesn't. Mutual values and mindset are key.

[@Nigriff]

​@@Trustbutverify2651Yes!! Interests come and go... Values generally stay the same

[@malissakirby4193]

Stay single or separate accounts bank etc. I learned from experience. Now remarried but separate accounts. House is in MY name. What's mine is mine!😊

[@sendit3251]

Ken hates the 4 eye guy 😂😂😂

[@gourabsarker9552]

Where is Dave Ramsey?

[@Nigriff]

He's in Israel negotiating a Peace Deal with Hamas.

[@shanetowne6530]

I like the advice, but it can be very unrealistic in reality.

[@amireallythatgrumpy6508]

America is not in reality.

[@motoryzen]

And you have provided absolutely no timestamps of this video of which situations that you're referring to. This show is often 2 hours long. We need timestamps to narrow down which situation you're talking about and it would be helpful if you actually gave some detailed reasonable argument to back up your opinion or point

[@amelialaiacona9295]

lol George was about to rip apart a man of god😂😂😂😂😂

[@bjgaspar]

@52:34 A little tone deaf from the guys here, considering their views on student loan forgiveness.

[@Nigriff]

It's sad, Baltimore spends over 20k/per student in public schools and less than half the schools have a single student proficient in Math or English st their grade level. Most parents in Baltimore try to send their kids to private schools if they can. It just shows that increased spending by government does not improve results. Baltimore is one of the highest per capita spending school districts in the country. It has been run by Democrats for decades. 😮 A few years ago, a couple schools didn’t even have heat and some don't have clean drinking water. Where is all the money going???

[@motoryzen]

But you can partially think idiotic George Bush Junior with the quote No Child Left Behind " Act many years ago Just like with the problem with idiotic Democrats who just loved to let floods of immigrants just flood our nation guess who paved the way for that? Ronald Reagan with the amnesty act during his time as president. Yes he came before Bill Clinton who had no problem with illegal immigration This is why I say it doesn't matter if it's demoned rat or reasonably can they are both equally evil and both equally worthless

[@hellosaysandrew]

I thought Ken was going to say to George - don’t be smelling the children’s hair. 😅😂

[@brookebales2931]

⭐️⭐️⭐️⭐️⭐️

[@theclothingcottage]

I think you guys aren't defining bread and butter correctly. If your bread and butter turns into steak, then steak becomes your bread and butter. By definition.

[@ezmil6332]

Never have fear go all in tesla option

[@loucaribou7765]

Do you guys screen callers anymore? The last one was like oh my God

[@Chartlaub5]

You have to live on campus? That sounds horrible

[@Nigriff]

A lot of schools require that the first year. It helps prevent attrition

[@Chartlaub5]

@@Nigriff makes scents from a business model. Sucks as a parent that wants to try to save money for their kids

[@stevenjustice105]

I 100% disagree that david should taken on her debt...she can have the money when he is eligible to withdraw it at 59 and 1/2 plus the growth.

[@C-ZARS_PALACE]

Litterly thought Derek was a 87 year old man then said 30 lol

[@BlakouttheMM]

I was thinking 98 myself. Poor guy sounded really nervous, maybe that's why.

[@pamsmith1665]

THATS a debt free scream?

[@Trustbutverify2651]

Can't drive a stick shift? Everyone should know how to do that - there will likely be one time or another that you wish you could do that sometime (especially if you travel overseas.) Learn to touch type, swim, and drive a stick shift. Everything else you can just pick up as you go through life. 🤣

[@amireallythatgrumpy6508]

I'm 40 and never driven a car in my life. So much easier.

[@bettedavis9261]

The first car I owned was a stick shift. I had three different cars with stick shifts over a 39 year span. My current car is an automatic, and every so often I push in the brake thinking it's the clutch (muscle memory), even after driving it for 3 years.😂

[@Trustbutverify2651]

@@amireallythatgrumpy6508 Perhaps, but apparently you don't like to travel - or at least not far from home.

[@Trustbutverify2651]

@@bettedavis9261 Gave me a good chuckle! How many pair of shoes did you wear out from driving a stick those 39 years? When we lived in Europe, I really regretted not having learned to drive a stick shift in my younger years and I insisted that both our daughters learn to drive a stick shift when they started driving.

[@bettedavis9261]

@@Trustbutverify2651 I made sure to not rest the heel of my shoes on the floorboard so I didn't wear them out. It was a great calf muscle exercise.😉😂 My oldest son learned how to drive on one of my manual transmission cars (2002 Civic). The first car he bought was a stick. His second (and current) car is an automatic. He's grateful for knowing how to drive a stick. My husband's 2021 Jeep Wrangler is a stick. We had to do quite a bit of searching to even find a Wrangler with a manual transmission nearby. We drove about an hour to get his.

[@Nigriff]

Ramsey Personalities should take a class on grammar. They don't know proper usage of "I" and "me". As public speakers and "best selling authors" they should know basic grammar.

[@motoryzen]

Okay I'll bite but you're forgetting that these are around 2 hours long shows so it would help if you actually put some time stamps to cite examples or should I say proof of your examples

[@rosedewittbukater5763]

I think Ken and George both butchered answering Brian’s question. I don’t disagree with the answer that they gave, but they did not articulate it very well at all they just Kaina said that it was categorically not the same, but didn’t articulate why I think the answer is spelled out could’ve been a lot more interesting and educational for people instead of just kinda scoffing it off as a non-question.

[@BeeDee-qs9so]

How would You explain it in a non-butchering way?

[@rachaelholderman9677]

They should have shared Dave's story that he didn't allow his kids to take the lottery scholarship in Tennessee. He has explained that a couple of times on the show.

[@user-dm9jw4un8l]

What’s your show called so I can watch that ?

[@rosedewittbukater5763]

@@user-dm9jw4un8lits called the Titanic, I got out with all the money and the jewels 💎;) Providing constructive feedback was my only intent. It’s an educational show and if they’re going to take questions and answer them on air, it doesn’t make sense to dismiss the question but rather explain in a way that os receivable to viewers

[@BBOlive]

Wrong..wrong...retirment vsavings are NOT ONLY HIS .they can split that as it is communityproperty then ..She can take that half of hers and roll ot into a retirment of her own and both aboud payingbtaxes from taken in cash or sge else she loses the 200 gain the spile..why should she be mistreated financially

[@calebsanchez4429]

This video has the most punchable thumbnail lol

[@michaelboyce3871]

Most everyone at my work is a 6 figure earner and a few that like to gamble. It's all about how much you save

[@Nigriff]

Gambling is a horrible habit/hobby/addiction. It may start off small, but the apps and casinos spend billions to try and get you hooked. The suicide rate for gamblers is 3x the rate for other addicts