Want To Learn To Build Wealth? Start Here | June 26, 2024

The Ramsey Show (June 26, 2024)
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Dave Ramsey & Ken Coleman answer your questions and discuss:
- "How do I get my husband to talk about money?"
- "I have nothing in retirement, what do I do?"
- "How do I get my mother-in-law to move out?"
- "What's the right way to ask for a pay raise?"
- "How do I find a healthy work/life balance?"
- Dave & Ken interview millionaires to find out how they built their wealth
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[@sallyprzybil2404]

To the 50 y/o who says it’s too late to start saving for retirement because he should be ‘conservative’. Baloney!, I started late and did well. The ‘conservative’ part of your portfolio should be Index funds. Pick about 3 very good performing Index funds to have. These are your Core funds. Then be ‘ more aggressive’ and put money into the types of Mutual funds that Dave suggests. Stay away from individual stocks, they’re too volatile. Also stay away from Bonds as they have a poor growth rate, so avoid Bonds completely. The other key when you start late is to put more than the recommended 15% into retirement. Much more than 15% if possible. Try for 20% or 25%, even more than that if possible. If you’re starting investing and saving for retirement at an older age they you’re playing a game of ‘Catch Up’ and you need to be More Aggressive in investing and saving. Go for it! Don’t retire with nothing! Time is short. Start now!

[@junepark2707]

I'm the same situation. What about investment in C and S Funds than mutual funds? I am not clear which one is better

[@caliopeknows844]

Thank you for sharing! ❤

[@rsimmons1980]

Yeah that guy was annoying. Because he needs to be aggressive. Put as much as he can in the S and P 500 Index Fund

[@dt6750]

his problem is low income/high expenses. For his age, he should have 500K cash if he was too paranoid about investing in stocks. If he can’t save 4-5k a month then it’s late because he doesn’t have a pension and will have to rely on SSI at 62.

[@brookelondon8029]

When I turned 60, I spoke to a financial advisor who was hired by the store that I worked for who asked me what my capacity for risk was and who said that I should be more conservative. He offered annuities which would have a 5% return guaranteed. As a Ramsay listener, I knew that those investments would probably earn at least 10% and they'd keep 5%, I knew that I'd probably live 30 more years and that would be like telling somebody 30 that they should be conservative and I told him my capacity for risk was reduced because I knew what I was doing by buying mutual funds with long-term track records of 10% or more four different categories. As soon as someone asks you what your capacity for risk is, leave.

[@TheGomez1105]

The 2019 Charger value is about 8k according to KBB

[@ErnestinaObeng-zo2di]

I laughed so much… good humor, Mr. Ramsey ❤

[@Ramizuddin-pn4yr]

Dear strangers, please pray for my health and well-being. Your positive energy means a lot to me.

[@proudpatriotgirl2342]

That's so mean to say to throw the mom out. This daughter in law is just bitter. Hope her son doesn't treat her that way. Horrible advice considering you don't know anything about the mom. Just pandering to the wife.

[@MsValiG]

Um, no. Nobody should not care of themselves and their family for an adult that went through life without thinking about old age

[@MONI-bj1ms]

The mother is manipulating

[@republicunited2183]

I believe in helping parents. My father can live with me at anytime. It sounds like this mom wants a home to herself and is not helping, not sure, but all parties need to make it work.

[@I.amhades]

Asking for help from her kids is fine. Not great that she didn't plan properly for retirement but whatever. Using a message from God for the reason why they need to help? That's manipulation.

[@debbiehall1806]

No it’s not. She isn’t going to be on the streets, she is going to a retirement home.

[@brianmurphy-j4h]

We've been misled to believe that a good job guarantees wealth, but I've come to realize that investing in stocks is the key to financial freedom. Although the market is currently volatile, I've invested $80,000 in ETFs and individual stocks to capitalize on the S&P 500 downturn. I'm eager to discuss potential market trends and accurate predictions moving forward.

[@JonesMichael-ps4ck]

There are tools that allow investors to invest in companies before they hit the stock market, multiplying those potential gains that otherwise wouldn’t be available after the initial public offering. That’s what I am up to, steer clear from the equities and bond market, my humble opinion.

[@ChristianJacquet-my3rl]

I agree, I have used the same seasoned pro for close to 4yrs who have been involved in launching IPOs. We got in fairly early with a modest amount of money. Then it mushroomed like an atomic bomb. We had over 4 m dollars after GME profits in 2020/2021. Inflation has eaten away at the nest egg but we are lucky to have Monica look after it diligently like she has done the past 3-4 years.

[@Turk-hy3wz]

Definitely private investing is the way to go. Our government keeps lying. I’d like to earn like that is it a private equity fund or mutual funds investing?

[@brianmurphy-j4h]

@ChristianJacquet impressive, how were you able to achieve this despite the downturn?

[@bradhankins-x5j]

this is incredible! how can I reach this seasoned pro you are working with, mind sharing info, if you please?

[@AlexClarkcompany]

Luckily, my spouse and I were able to pay off our mortgage early. We took the money we were spending to accelerate our mortgage repayment and invested it right away while we were both still working. We were able to retire early after accumulating what would have been our home payment for over 7 years and maxing out our 401K/403B plans. Thankfully, both of our parents taught in us the importance of living within our means.

[@BaileyJames-zv2ddd]

Investing without proper guidance can lead to mistakes and losses. I know this since I've been there myself.Seeking guidance from a professional is preferable if you're new to investing or don't have much time.

[@OscarOwenn]

Investors can have different investing results even with the best strategy and suitable assets. Understanding how experience plays a critical part in successful investing is key. Since I was aware of this, I consulted a market analyst for advice, which helped me build my account to about a million dollars. Having strategically cashed out just prior to the market correction, I'm now taking advantage of buying opportunities once more.

[@AlexClarkcompany]

How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances

[@OscarOwenn]

Leah Foster Alderman is the licensed expert I use. Just look up the name online.

[@AlexClarkcompany]

She seems to be literate and well educated. Thank you for sharing, I found her webpage when I searched for her online.

[@coltonsnook5360]

Alright, for anyone who's thinking about calling in to the show, do us all a favor and just listen to Dave without trying to interrupt and talk over him, so frustrating to listen to.

[@ValerieMajor]

I agree. But Dave also doesn’t let people talk some of the time …. Haha

[@brookelondon8029]

She was really hyper. Maybe her husband was on his way or she was afraid he would hear her. I feel very sorry for her because she has no hope of changing him Because narcissists and people set in their ways seldom change and if she combines her finances she'll be doomed.

[@Alisha-nl9qh]

She was just an infuriating person. She is so used to someone telling her what to do (military, husband, ect) that she doesn't know how to think for herself. I was laughing mockingly saying "but what do I do" over and over. So annoying.

[@bwkeys87]

The reason Dave is so good is bc he is not long winded. He gets to the point. And when he goes on a rant, it is time for it.

[@Iamearlbrown]

Ken really be on good behavior when working with Dave.

[@brickmanpictures6069]

Anyone else amazed a dodge got to 250k?

[@kellibuzzard9431]

😂

[@focojeepr]

The charger platform and v6 are actually very reliable.

[@grapesofthevine1801]

I'm Angela, the caller with the dodge. My mechanic says the same thing he said he usually has people come in with so many issues on these cars but mine seems to be in pretty good shape. I did regular oil changes with all the mileage I was putting on it just stayed on top of the maintenance like you're supposed to and I think that's why I've gotten so much life out of it. I also replaced the motor mounts under warranty before it expired so I never had to put any major money into it just basic maintenance stuff. Praying God keep it running until I can pay it down enough to sell it 👏

[@kellellebelle]

I was thinking this exact same thing lol

[@BlahDeDah7]

😂😂😂

[@GhostJ3272]

38:49 the moment you realize that every decision, choice, action is your “fault” and take ownership for it, the sooner you can move forward.

[@Starfish12345]

Travel agent for guilt trips lol so good

[@eightiesaddictone9063]

Tell Mrs. Georgia, stay put. The last thing we need is more people in Florida. If she moves to Miami, she'll be underwater within two years.

[@uppitywoman3647]

all the millionaires are married, they are on the same page with finances, and the gpa matters more for the women than a man, but they aren't working at Mcdonalds flipping burgers, they got training or education, and most of them own property.

[@Charamanur]

Love millionaire hour, but i wish they would ask something about their "giving" part, some sound like their fists are tight

[@mckennafetzer212]

So proud of Stephanie and Kyler!!!!

[@angelauseche6931]

Because the Bible does not say to look after your parents it doesn’t mean you shouldn’t do it. It is heartless not to show compassion towards someone who gave you life and is in need. I don’t agree with Dave on this one…

[@brookebales2931]

Dave pls don’t say a million probably isn’t enough 😳 because makes some of lose hope. It’s not enough for those who aren’t conservative yah, but it’ll be plenty for those who are and have house paid for and all that. Love y’all just sayin 😊 you even say hate hope stealers 😉

[@ap1873]

i want to see more single millionaires!!

[@DevHazy]

Sameeeeeee and I’m Married too

[@kellibuzzard9431]

I want to be one! 😂 I'd rather be a married one, but if I do have to be single, I'd rather be a millionaire!

[@JSerio1983]

Give me a few years.

[@christabellecarpenter2354]

Get it!!! ​@@JSerio1983

[@bodiestevens9845]

And her name location date of birth.

[@jep1948]

No matter how good a wife you are you will never be good enough for a guy who is not ready to be a man

[@ghostriley1855]

Surprised Dave is patient with the first caller lol

[@Aquaria2291]

I think he was trying to calm her down, cuz she came in there like a tornado. Which I understand, but lady, Dave cannot fix this for you. 😭

[@JRTgirl]

You can't kick the mom out, she's established residency there.

[@Joce123]

You cannot add a family member to section 8 housing when you owned the house

[@smfernandez96]

Is it smart to purchase the financial coach master training when it goes on sale to help bring up my income, if I’m in baby step 2 and instead can put that money towards debt?

[@danwood4312]

However if a parent is using drugs they are still parents. You are nothing! STOP

[@jjkatz]

Not sure who these “influencers”think they are influencing , lol 😂

[@BeeDee-qs9so]

Each other, I’ve decided 😂

[@Tellehahsghsbbs]

It sounds like an MLM thing… “need the car for influencing” is that the “paid for” car they all lie about?

[@Tellehahsghsbbs]

It’s sounds very unchristian to kick out your mother to make a profit… that’s not gonna bring good karma

[@timothykeith1367]

To save lots of money ride a bike. The savings on a vehicle will just be the starting point. You wont be making impulse purchases - unless you are addicted to amazon. I only spent $500 on expenses for two homes this month and my blood pressure has dropped 20 points in 2 months.

[@mflee3772]

When debt free girl said f*ck 😂 best part of the show. Dave wasnt happy

[@JohnSmith-sl2md]

Dont sell your house until after the second year to avoid a higher capital gains tax... With culture changes dont take annual reviews at heart (meaning if your not a butt kisser yet get the job done, forget them and silent quit) unless you put pride aside and brown nose to gain value. Just facts of todays pawn job value. Chessboard!

[@danwood4312]

You wrong DAVE me and my family never used drugs !

[@laceyrugg]

I may be a minority but I hate millionaire hour. I know it can be done, but it’s boring to listen to. I would rather listen to him helping people. I turn it off when he does only millionaires.

[@brookelondon8029]

I don't listen them either but I think it's inspiring to people in their 30s and 40s or less. What bothers me is when someone calls the show and says I only have $2 million saved for retirement so will I be OK? Really? Lol

[@laceyrugg]

@@brookelondon8029 right! I do think it’s inspiring to hear them, just not a whole hour of only them. Maybe one here and there to keep people motivated!

[@kelvinmorris1938]

Salty!

[@amireallythatgrumpy6508]

He is helping people by inspiring them and showing them what they can become.

[@danwood4312]

Never had anything to to with drugs...

[@willtacoma2ndgen661]

Please, people, do not sell your house to rent. This will be the worst decision you will ever make in your life, and you will regret it. What about the fact that rent increases every year? My friend pays $2,700 for a two-bedroom apartment when he could have gotten a mortgage for $2,400. Don't forget that when you are renting, it is money you are throwing away, whereas when you own it, it is money you are putting into a savings account for your future. Keep thinking that renting is the best thing for you, and you will see how you waste thousands of dollars paying for someone else's property when it could have been yours. When it is time for you to retire, you will be in trouble.

[@2dodger2]

But Dave, you didn’t count the 1,000 a month she gets for alimony for the next 2 years that her ex husband wants to erase for the 100000 she gets in 5 years

[@jacobgray9742]

Steph and Kyler are very much alike myself and my wife. Except we did it allllll the exact opposite. Lol single income two kids stay at home wife. Bought a house early. Wow. Just a breath of fresh air to see someone of my generation do it right for once.

[@mattlaeff724]

Teachers in the Northeast make a lot of money -- don't get it twisted. Included in that is a healthy Pension, Healthcare for life, and Summers off.

[@homeschoolfarmmom]

Healthcare for life???

[@mattlaeff724]

@@homeschoolfarmmom - Yes, add that to the 130k a year and lifetime pension. My guess is that the total package is equal to 200k a year at 9 months of work.

[@homeschoolfarmmom]

I teach in Missouri in a very small public district. They don’t even offer insurance. I earn $38,000 a year. Those three months off however aren’t off. That is when teachers make lesson plans for the next year, attend classes and workshops to earn our cry’s that are required to keep our teaching certificate. It’s not just 9 months of work. We also work 2 weeks after students end and start 2 weeks before, and sometimes summer school. Often we spend three hours a night and weekends on school grading or extra curricular activities that we are expected to attend. We have a choice of our pay being split up over 9 months or 12. Most choose 12 months for budgeting purposes.

[@mattlaeff724]

@@homeschoolfarmmom - You need to move. Teaching is quite lucrative in the Northeast, as noted.

[@Happey67]

That is why I do not listen to anybody with a title. You are suppose to let this man used your funds, run both of you down to the well, then he runs off. No sir.

[@alexisballard1459]

39:56 “don’t interview in a city that he says he’s not going to” - EXACTLY what I was thinking myself Dave

[@xcopycat_]

Was this Ken's mid year evaluation? Really felt like he was being grilled

[@BeeDee-qs9so]

I thought he was being treated respectfully in order to highlight his abilities, for a change. Ken is a gem.

[@johnparker4484]

@@BeeDee-qs9soKen is the most smarmy punch face

[@xcopycat_]

@@BeeDee-qs9so i could see both - either way i enjoy listening/watching the show

[@beynzpeyro]

I thought I am doing okay paying everything in cash, no debt, cars are fully paid, sending and paying for my kid to college with no debt, and having a little over 120k in savings....UNTIL I heard somebody in about his 50's with less than 250k is somewhat considered BROKE. Ummmmm makes my head paused a little bit....nahhhhhh I will go on with my simple life and enjoy it with or without millions.

[@Charamanur]

I belive he said 25k

[@debbiehall1806]

The guy had about $20k. Dave said he was broke with $20k and stop being conservative he is too young

[@sgc1401]

You don’t need millions to retire, but $150K won’t get you far. Health insurance costs are a lot more than many people budget for. Dental issues and things like glasses and contacts can add up fast. Car insurance isn’t cheap, etc.

[@beynzpeyro]

I probably misheard it then, and thank you guys for the correction. Health, Dental, and Eye insurance are all deducted from my paycheck every two weeks. Car insurance and miscellaneous expenses, eyeglasses, contact lenses are included in my budgeting process. I am following Ramsey's 7 baby steps, only thing I cannot complete is the #6- I do not own a home, I am renting. P.S. I am a single mom. Life is not easy but if you have a positive mind, always look for the good, work hard, and never complain- everything will fall into place. Y'all have a good life.

[@sgc1401]

​@@beynzpeyro I was talking about how the costs of health insurance, car insurance and other necessities surpsrise peolpe in retirement, not what you are paying now. I have a family member in her late 70's with about $600K to live on. She lives in a modest (value around $275K) condo that has HOA fees going up all the time. She still has a modest mortgage payment on that. Even on medicare people pay premiums and copays. Medicare does not cover dental, not does it cover glasses and contacts. My relative just had storm damage to her condo and car and had to pay pretty big deductibles. She had to get her sump pump replaced. She had to get her HVAC replaced. Her condo association might have to pay a lot for some major drainage issues on the shared land. This will cost her thousands more. She pays an extra premium to get medicare advantage. She is starting to worry about her money lasting. As I see her going through this, I realize my $205K in retirement at age 55 is not enough. It would be gone pretty quickly. I've got a kid going off to college and I am helping her so she does not need student loans. Between planning for retirement in 10 years and now paying for college, I took a second job. I work 56 hours a week. I figure I can handle working extra now than when I am 65. You are doing pretty good. Much better than many people. But people in their 50s with $120K or even $205K will likely outlive their money. I am now seeing this up close and personal with this relative. I realized that those years are pretty close for me and I need to save a bit more.

[@DiscipleSteven]

GASP - Dave didn't say better than I deserve. lol

[@Ferrero123]

Beautiful couple

[@jora1545]

First caller needs to stop having that victim mentality

[@staceylopez1372]

What techniques were used for the slow-motion shots in this video?

[@cc-iq2bs]

DAVE SPEAKS THAT WHICH YOUR NOT DOING, BECAUSE YOUR GENERATION SIMPLY REFUSE TO WAIT TO BUY SOME THING , ITS THAT SIMPLE

[@jenniferbaillie5976]

When we aim for $1 million net worth, it that per person or per husband and wife? You say to combine funds and we are a unit.

[@willtacoma2ndgen661]

@jenniferbaillie5976 combined. When you are married, you'll become one. Becoming a millionaire is easier to accomplish.

[@azebretta8310]

Omg that is his mom.i will do what ever she wants for my mom not the house or money,i will give her my life.i have one son i hope he will meet a nice wife.

[@jpsy422]

Legit LOL at “you’re broke”

[@monicadhenderson8670]

Melanie please don't put your mother in law out on street!!! It's a blessing to have parents in your life! I would love ❤️ if my mother in law need to stay with us or pay for her to live in my secondary property ❤

[@Clay_333]

Please stop running these terrible Zander ads. The seem extremely scummy. They are made to look like just part of a conversation, but it is clear they are a scripted ad. I have zero problems with you taking and promoting sponsors. You have to make money. I do have an issue with trying to make it look genuine when it is crystal clear that it is not. The one with Dave and Rachel and Dave and John need to be rerecorded. Just do a normal sponsor spot and explain the reasons why you need life insurance and why Zander is your best option. The current ones seem about as genuine as a celebrity pumping a new meme coin.

[@johnparker4484]

Chill babe, you must be super fun to hang out with

[@BeeDee-qs9so]

@claybirdyshaw5737 I couldn’t agree more. I always feel like I’ve been sucked into some conversation I didn’t sign up for, and assumed it was “just me.” In fact, there was a show recently where someone phoned in about financial planning after the untimely death of their spouse, and for several minutes afterwards I really thought Dave and John were about to launch into another ad for Zander. I swear they almost did, but restrained themselves!

[@brookelondon8029]

I agree, I do use Zander and I'm extremely happy with them, especially the $75 Internet protection, but you can always tell when people are reading from a script!

[@azebretta8310]

Ramsey it is biblical as a christean.

[@BlahDeDah7]

Not in the manipulative way the mother is trying to do it.

[@helen4997]

Mr Ramsey stick to money matters only not mother inlaws issues. You don't know the full picture.

[@Tellehahsghsbbs]

People with rental properties rarely have a heart to be compassionate let’s be honest. They only see $ signs not people

[@snackman2005]

I know I am probably in the minority. But I basically don’t listen to the other hosts. I just wait for Dave to start talking. It’s probably an age thing. I’m 62. It’s like taking financial advice from my kids. Not really going to happen.

[@elissapoh7782]

Eventually your doctors will also be younger than you.

[@josec2219]

Well that’s because you’re a typical “get off my lawn” boomer who refuses to accept that someone of younger age can actually provided some good insight. With that said, I only listen to Dave too lol. That’s because the others are not certified/qualified financial advisers. They just read scripts.

[@snackman2005]

@@josec2219 Very interesting reply. Kind of passive aggressive. You call me a cranky baby boomer, yet you basically agree with me.

[@willtacoma2ndgen661]

Anyone who decides to sell their house to rent must be a very stupid person. Rent will cost you more than a mortgage why would I sell my house to go rent 🤔. This is why I don't like to hear people in this show that say to callers to go sell their houses to get out of debt.

[@sgc1401]

What about costs such as new roof? New sump pump? Water line break? Roots getting into your sewage line? The cost of house insurance which is going up leaps and bounds? Lots of people are house poor and would be out of luck if all of the sudden their furnace fails in the middle of winter.

[@willtacoma2ndgen661]

@sgc1401 What about the fact that rent goes up every year? My friend pays $2,700 for a two-bedroom apartment when he could have gotten a mortgage for $2,400. Don't forget that when you are renting, it is money you are throwing away, whereas when you own it, it is money you are putting into a savings account for your future. Keep thinking that renting is the best thing for you, and you will see how you waste thousands of dollars paying for someone else's property when it could have been yours. When it is time for you to retire.

[@caliopeknows844]

@min 32 - actually Jesus said not everyone who says Lord Lord will be saved. Hypocrites are not gonna be saved. Jesus is not a lucky charm. Word to the wise...

[@Davefitz04]

Referring to question of the day: you mean a guy who works in DC government doesn’t want to work hard? Shocking.

[@msnconreed]

Dave let your cohost give more input 😊

[@DevHazy]

We prefer dave

[@tebanjose6928]

@@DevHazy nah

[@Clay_333]

Not when it's Ken. He is just a puppet anyway and expects that every person can just magically quadruple their income by working 6 top tier jobs. Dave has good advice. Ken's advice is horrible except for when he is just trying to guess what Dave would say. At that point just let Dave say it.

[@rsimmons1980]

​@claybirdyshaw5737 it's unbelievable he became a "career expert."

[@Joce123]

We bought Eli Lillie in Dec at about 500 per stock. It is now 904..and going up

[@nodsib]

Brandon’s “social media influencer” gal with a few years left of high income is definitely most likely on, let’s say, a site just for fans. 😂

[@KubaGrygowski]

1 Timothy 2:12 New International Version 12 I do not permit a woman to teach or to assume authority over a man;[a] she must be quiet.

[@TheGiggles1989]

With all due respect, Paul wrote that. He isn't Jesus nor God. He was an apostle that didn't personally study with Jesus. Deborah was a prophet and a judge well before he started preaching.

[@grapesofthevine1801]

Women are not to be preachers. People want to fight that fact and try and justify it, but every word of the Bible is breathed out by God it doesn't matter who wrote which book or chapter it is true otherwise God is a liar. Yes there are women in the Bible who taught in certain situations and circumstances who are prophetic but they weren't pastors preaching over men and that's what it's saying

[@TheGiggles1989]

@@grapesofthevine1801 Deborah was a prophet and judge chosen by God. How was a literal JUDGE, and a person pivotal in defeating the Canaanites in war, not presiding over men? Do you think the soldiers were women? To make the claim that women cannot preach at all is to say that God chose wrong or you haven’t read your scripture enough to know who Deborah was. Paul was saying the policy specifically of the Ephesian church to Timothy. This is what is running people away from the church today. Some of you preach SOLELY from the Epistles of Paul and ignore the Gospels of Jesus and any words from the prophets, therefore completely removing the context, because it doesn’t align with your personal views. Peter literally wrote of people doing this with the Epistles saying “There are some things in them that are hard to understand, which the ignorant and unstable twist to their own destruction, as they do the other Scriptures.” Don’t even get me started lol

[@grapesofthevine1801]

@TheGiggles1989 ya we can disagree here. Are you a Sabbath keeper? Cuz don't even get me started if your answer is no

[@TheGiggles1989]

@@grapesofthevine1801 You can disagree all you want. Yes I do keep the Sabbath, which is today. I’m sure you are unaware of that as well.

[@jasonaverweg7014]

Oh my gawd. Kyler, run!

[@Ferrero123]

why

[@BT-mc2yd]

He’s got a beautiful southern belle willing to put in work to get out of debt and into a better spot. One that was in the trenches with him. Way to project. He’s doing great! She’s a gem

[@cc-iq2bs]

I AGREE ON ONE POINT, STOP INTERRUPTING EACH OTHER BECAUSE ITS VERY FRUSTRATING , MANNERRS PEOPLE MANNERS 😮