Wealth Gives You the Freedom To Make Your Own Choices | October 29, 2024

[@sarahshealthyrecipes]

My parents said "don't worry about it" when they signed a $10,000 PPL for me. Took me 5yr to pay it off (as part of my debt snowball) and man, let me tell you: when I made the final payment just before Thanksgiving, it was a totally different family gathering after that 🙌

[@ScottsHonestReviews]

Love jade. Ignore the haters

[@brucefredrickson9677]

I like her too.

[@NMelter]

I really like her!

[@RRRam156]

Just wanted to say "thanks" I was given a copied cd of Dave Ramsey 29 years ago. I was just a dumb kid from rural Canada. Followed Dave's advice Still have an emergency account with $1,000.00 in it .... never giving that up. I also have multiple homes, no debt and several million squirrelled away. Thanks Dave. Literally changed my life,

[@mariaolson1264]

I just got out of the military and joining was the best thing I ever did. It goes by fast and you can get training and skills to get a good job after. Free college, healthcare benefits. I would recommend it

[@brucefredrickson9677]

Not for this caller however...he doesn't have the "chops" for military service. He talked about disaster relief not defending his country.

[@TulsaDude]

​@@brucefredrickson9677 you think everyone that joins the military has the chops for it when they sign up? Give me a break, people sign up for a variety of reasons, and people change.

[@brianplord]

Jade is an absolute gem. Amazing energy, super bright, and simply wonderful on the eyes

[@NMelter]

Ken is great! He brings out the best in the co-hosts, digs deep into callers questions and is so witty!! He makes the show so fun!

[@badlands9100]

At end of day , Jade is so sweet.

[@NMelter]

Agree! She’s so humble.

[@paulamartin9507]

The guy with the half million in savings!! 🤣🤣🤣

[@ashleyrhea2563]

I know lol! But I hate they cut him off, he was trying to explain it and I wanted to hear it

[@mike112079]

@@ashleyrhea2563screw his explanation. He is wasting people’s time!! Smh

[@kristenmiller8867]

I LOVE jade!!!! ❤

[@MimicMan0324]

Jade rockin the Nirvana shirt 😊

[@EdwardStewart-fv5ju]

The Army is a wonderful option. Take it from someone orphaned at 9 and been on his own since 10. The Army changed my life 😊

[@badlands9100]

Thank you for serving.

[@Joce123]

How were you on your own at age 10? Were you from a SE Asian country?

[@EdwardStewart-fv5ju]

@Joce123 no the us but my family didn't care. That was 1986

[@EdwardStewart-fv5ju]

@@Joce123 I slept under bridges and fought every day until I was locked up at 13 and meet an ex Ranger who I respected more than anything

[@AndreaAllen-v6y]

I wish I would’ve joined the Air Force. I would’ve probably done 20 years. But I joined the army because my father was in the army. I served almost 10 years and then got out. Now, looking at the current climate in the military, I am glad I am no longer in the service today. .

[@Scarface_445]

Jade js like a Jorge, brings that young feel to the show 😂

[@Kevin_Adorno]

Jade is the Homie! 🔥💪🏼🫡

[@kathigratton2286]

My father mentioned to all the kids are three of us Don’t ever ask me to cosign anything ! I will not cosign for anyone of you ! I will head over help you as much as I can with cash But I remember getting my first car back then you didn’t have to put your kids on your insurance Insurance guy came to your house, and he mentioned make sure you get her on her own insurance! So I had my own car insurance as well because like the insurance guy said if she gets in an accident where she has to go they can’t come back and pick your house.

[@lyndahammel9502]

There were plenty of good instate schools that offered my daughter's major. She wanted to go out of state. We said no, go instate. She was able to graduate debt free with no loans to pay back.

[@dansensenig4252]

The advice on the union situation was TOP TIER. My respect went way up for him after hearing this advice

[@Beginnerreadsthebible]

I do NOT agree that every young person should serve their country for a year. I'm grateful that some choose to, but I am also grateful that we all have choice.

[@brucefredrickson9677]

1 year is not enough for any kind of service.

[@feliciafelicia6965]

DO NOT CROSS THAT PICKET LINE! Unless you want to retire early and be blackballed for the remaining part of your career. Everyone in the aerospace industry is watching and holding their breath for the results. Get what you deserve!

[@amsells]

LOL, loved the “we are not married to each other” 😂

[@CathyT-h2r]

Ken ur union workers are caring for your loved ones in an ER.We are not pinballs

[@TulsaDude]

Then why call the show, if his mind was already made up

[@TulsaDude]

Unions in different industries make for different circumstances. Some are very political and manipulative.

[@shionajoseph3248]

How do you have $500k and car payments??? Lol

[@binti-mfalme]

I know did they run out of time? It was like they are living two separate financial lives - something wasn’t right

[@mmp495]

47:38 good job young man. Sometimes distancing yourself from family is a good move. ❤

[@hdsensing]

Love the show. I wish Dave and Rachel would have Sharron as a guest on the show though. It would be very entertaining to listen to the woman that stood by Dave during the early years of real estate then starting the new business on a coffee table in their house.

[@Trustbutverify2651]

She has been on George and Rachel’s Happy Hour show

[@lyndahammel9502]

I don't like Ken's answer on the union. Finding a new job isn't always easy. I hope that the guy doesn't cross the picket line.

[@danahillius7157]

His advice was terrible. He let his philosophy about unions lead to giving this man terrible financial advice. You don't work a union job with a pension and quit after 28 years to move across the country, work for less money and benefits, and give up on what's going to be a great retirement because of a 3 week work stoppage. Now if this guy stayed at his job he's going to make even more money, and probably be a millionaire when he retires. Ken might have screwed up this guy's life because he ideologically doesn't agree with unions.

[@lyndahammel9502]

@danahillius7157 agree

[@TulsaDude]

Why did the dude call? If he has his mind made up...why.

[@lyndahammel9502]

@@TulsaDude hoping that the hosts would agree and validate his actions.

[@michaelgeraghty953]

The question about what would happen if someone crossed the picket line would mean that worker is a scab. I can't think of a worse insult. There is always another option and suggesting someone cross a picket line for any reason is never acceptable.

[@sXePunkV2]

Imagine advising crossing a picket line and being anti union. What s Scab.

[@dansensenig4252]

Unions are useless in today's job market

[@michaelgeraghty953]

It does not surprise me that Dave Ramsey would be ant-union, but Jade and Ken suggesting this man become a scab surprised me. It really shows their lack of knowledge about what protections Unions provide for workers in manufacturing and construction.

[@dansensenig4252]

​@@michaelgeraghty953 nah, unions are completely unnecessary in today's job market.

[@YouMissedBro]

Unions are worthless. Look at the longshoreman, the dude in charge makes $700k to be a mobster and threaten our entire country to have "his men" be way overpaid with starting salaries being almost $90k + 6 weeks pto

[@joshuaboulee8190]

I have worked for two different unions, I will take a 50% pay cut to avoid them. I would take immense pride in being a scab if my family situation allowed me to travel.

[@MohawkFlippinMike]

The caller who thought about the military….imo everyone needs to get out of their hometown! Especially someone in his predicament. “I don’t want to kill someone” is not common in the military considering 85 percent of the jobs are not combat or direct combat positions.

[@brucefredrickson9677]

He's not a good fit when he said he wasn't patriot and wanted to work in disaster relief...he needs to be broke working for an NGO.

[@Trustbutverify2651]

John, no parents need a van as soon as they have a baby - they don't take up much room. However, why is it MY savings if you are married? And WHY are you letting your wife continue to make payments on "her" car when you have FIVE HUNDRED THOUSAND dollars in savings? What a tightwad. Be careful - she is going to leave you if you continue to be such a miser. Thankfully you called in to get your head screwed on straight about money you won't even miss for something that is used EVERY day. You're like so many husbands who cheap out on a good vacuum cleaner for the wife which is used every day but spend hundreds on a tool they use once every three years. Time to actually ACT married!

[@alphamaletony8899]

Nice show once more guys..

[@dawndsharrocks]

Wrong move Ken to encourage someone to cross a picket line. The man will become a piranha.

[@dansensenig4252]

Find a different job then, unions are a cancer in most cases

[@Four3zero]

Pariah

[@TulsaDude]

​@@Four3zero nah, Piranha is funnier

[@jasonnewland6187]

I lost a lot of respect for Ken today. Its more to do with lack of understanding what being a Machinist Union member at Boeing means. Those jobs are golden. Its very hard to get into that gig. It also pays six figures. He was advising to cross the line. Then after that he told the guy to move and find another job. What!? So easy to give that advice from behind the microphone. The union and Boeing always resolve their disputes. They say it will be over next week. The lack of understanding of that caller's situation was unreal.

[@michaelgeraghty953]

Not only was the advice bad ethically, it was just bad advice overall. I agree about losing respect for Ken. I knew there was something I didn't like about his smugness, but I never thought they would suggest a union man cross a picket line.

[@isidorolopez265]

Agree with you, of course kins in the comfort of his chair Ken is in the comfort of his chair of course dude he’s gonna give out advice nice and freely and nonchalant is not him his self on the line right on

[@MONI-bj1ms]

Dave and team believe the same as Ken Pro business

[@brucefredrickson9677]

@@michaelgeraghty953 So you throw the baby out with the bath water? Come on.

[@brucefredrickson9677]

@@MONI-bj1ms What wrong with business? That's who signs your paycheck.

[@nickperry3762]

Ken just casually suggesting a man give up his 28-year union job (that apparently allowed his wife not to work outside the home in the Seattle area) and to give up his whole community just to move to Louisiana for the hope of a job. Isn’t this the point of an emergency fund?

[@michaelgeraghty953]

This guy obviously didn't have an emergency fund in place and waited until he was desperate to find addtional income. He made a choice, for the last 28 years, not to be ready for a strike and now they want him to sell his soul to the Devil. Terrible ending to the show.

[@YouMissedBro]

​@michaelgeraghty953 ant and the grasshopper, 53 years and this dude is the grasshopper. Now winter is here and he isn't prepared like the ant

[@isidorolopez265]

Of course they’ll always offer nonchalant advice. It’s not their asses on the line. Excuse my French.

[@brucefredrickson9677]

@@michaelgeraghty953 Isn't baby-step 3 having 3-6 months funds available?

[@michaelgeraghty953]

@@brucefredrickson9677 yes, baby step 3 is 3-6 months. Any union man or woman knows to save up more before a contract expires. You never know what's going to happen if talks break down.

[@Trustbutverify2651]

Matthew call - PARENTS take out Parent Plus loans. It does not matter what a verbal agreement was. If a parent does not want to take out the loan, then the parent should not do it. And NO parent should do it - parent plus loans are the WORST. A student who needs a parent plus loan should go to a less expensive college or find other financial means to pay for college. A student does NOT sign a parent plus loan, so since Matthew said they BOTH signed the loan, it was not a parent plus loan. They signed a different kind of loan where the mother and son were both co-signers. And parents, STUDENT LOANS ARE NOT DISCHARGEABLE, EVEN IN BANKRUPCY. YOUR SOCIAL SECURITY PAYMENT WILL EVEN BE GARNISHED FOR UNPAID STUDENT LOANS, INCLUDING PARENT PLUS LOANS. Don't do it! Not sure why Jade is talking about the worry of affecting the credit score when the RS people always say no one needs a credit score???

[@rushedinternet1505]

Agree. If more students and parents were more aware of what they're getting into, the student loan industry would drop drastically within a year. If you have to take out loans, you can't afford that school. But they don't want to listen. They feel entitled to the best schools, "pretty town," party life, and the schools their friends attend.

[@Four3zero]

It's annoying when they give advice but have no idea what they're talking about if the question strays from the Baby Steps

[@maribethvance9958]

I think that's the worst advice that Jade and Ken have ever given to a person with regard to the guy who works for boeing. He's 53 years old he's worked there for 28 years they want him to walk away from a potential pension and his retirement and all. I would say hold out because eventually Boeing and any other company are going to negotiate because they need their workers back they can't have management doing the operational work also.

[@brucefredrickson9677]

David from West Palm Beach: You are for sure not a good fit for the military...period. At best, you could help with relief work somewhere but NGOs pay very poorly (unlike the military). You need to find a real job that pays money and then look for some volunteer work. To say "I am not very patriotic" was confirmation that you are not right for the military. I spent 39 years in the military serving my country.

[@alleykeosheyan4779]

Agree -- my late ex-husband joined the military to "get away from his family" and suffice it to say, things ended disastrously.

[@shellisano]

to David in W Palm Beach, FL --- There are Jobs in the Military that do NOT ever require you to go overseas to kill someone. You can be a corpsman (Military nurse) in the Navy, They also have the Seabees (Yes they are trained to defend themselves/Fight but their primary focus is on building infrastructure.) IF you are needing to gain some skills to get started in life, this is a viable option but know that you are trading 4-5 years of your life for the training.

[@BlakeC341]

Corpsman literally served in combat with us, so that's actually false.

[@shellisano]

@@BlakeC341 Serving in Combat is not requiring you to take a life

[@BlakeC341]

@shellisano returning fire alongside Marines...um yes it can mean exactly that. But go ahead and lecture a Marine that served 2 combat tours alongside half a dozen or so Corpsman like you know better. 😂

[@PrestigeWorldWide777]

YWAM is another option

[@rachelkruse9087]

​@@PrestigeWorldWide777you need money for that. I was thinking Peace Corp.

[@Sj-_3]

The amount of commercial adds and business adds you guys play every show is out of control! 🤮🤯😵‍💫

[@lilaschwarz1236]

We get advice for free and put a lot of time and money into these shows. Why shouldn't they advertise? I don't like it either, for as a German, I won't use the products. But I understand.

[@lyndahammel9502]

@Sj-_3 agree but the show is free. Ads bring in money ---- bottom line.

[@JudyThompson-b3m]

How can a working couple with one child work a side hustle when they work opposite schedules? The child is in child care for 3 hours a day to save money. Thanks!

[@northgirl77]

Why is the virtual event with John and Rachel taken down? It’s no longer available to purchase and today is October 30th… I thought they said it will be recorded and available to purchase online? 😢

[@lilaschwarz1236]

Was it limited?

[@jordan45561]

Is it common that the caller just gets cut off? I usually watch Caleb Hammer's Financial Audit so i'm used the them going over more details, but start watching the Ramsey Show and it just seems a bit rude.

[@TulsaDude]

Yes it's common

[@mmp495]

Fleet Wood Mac, Nirvana...love Jade's music choices. 🎶 ❤

[@abbyhuber1877]

AmeriCorps!

[@christabellecarpenter2354]

I did Americorps in early 2000s. The monthly pay wasn't enough to live on. It put me well below the poverty line. So if the pay rate is still below the poverty line, they will have to get a second job or live with someone else who pays all the bills. I was able to defer my student loans and get the interest paid by Americorps while I worked their 2, 11 month contracts. But if I had it to do over again, I wouldn't.

[@brucefredrickson9677]

What does Ameri Corps pay? This kid need a job that pays money...he can volunteer for some of this other stuff.

[@haloimplant7678]

The guy they told to travel the world and help people....pretty sure you need bank for that stuff, people without the cash take what they get from the military

[@actuallyterry]

The chemistry between John and Rachel is so non existent its hilarious. 😂

[@WOOFBTBWP123]

He turned his comments off on their interview because people said they had more chemistry than his literal wife… I’ve met them both and they have A LOT of chemistry. I’ve literally been at parties with them both there. They do have chemistry.

[@terriviani9626]

Ken let his knee-jerk dislike of unions overcome the reality and common sense of the situation. A 53-year-old man should give up his union job and possible pension and move to Louisiana for a new "adventure." And to make it sound like the guy has no options just because Ken doesn't like the real option for the guy to NOT SCAB is repugnant. The guy said he had the money for four months and isn't the team always telling callers to get ANY job to get by in the short term? The guy can go to McDonald's for a few months if needed. Ken's advice was unethical and dishonest. He's smug and self-important and has never been my favorite but after today I just won't listen when he's on. What a selfish person.

[@MONI-bj1ms]

He's white collar as they all are. How could you expect anything else? Sure getting your hands dirty with a side hustle; but common he had a career show

[@Mcutie26]

Tehehe... she and I sang Eminem at the same time. 😂

[@robertkrumm2470]

the military is no place to go to run away from something

[@mya5582]

Big time disagree. I ran from a slow development and some questionable social circles and it was the best thing I ever did.

[@notgivingmyemail3381]

Concur, absolutely disagree with top comment. Some of the best Soldiers I worked with initially “ran away” from something.

[@robertkrumm2470]

@@mya5582 awesome I stand corrected

[@brucefredrickson9677]

@@mya5582 yep.

[@SimplyJeannie]

I missed the live 😢

[@kelleysuzanne4221]

I have only one question for y’all. What the heck is “head knowledge”? Isn’t all knowledge in the head???? Just bugs me

[@Trustbutverify2651]

The phrase means what you know as "facts" but it is contrasted with "real life" experience. And no, both are not necessarily the same. Someone could just say knowledge b/c "head knowledge" is a redundancy.

[@rushedinternet1505]

David, I agree you need to change your zip code and leave your hometown(go out of state if you can), but you don't need to go overseas. Ken and Jade gave you bad advice about the military and going overseas. Many people are leaving FL and heading to TX, GA, NC, OR, and SC because that is where the money is. Check your options first since you're 19; the military will prey on you because you're young and lost. Check Warehouse jobs( Amazon is hiring) and Moss(Solar company.) I was in your shoes; you must be fed up with your situation to change. Pray to God for instruction and structure in your life. Although you are not close with your immediate family, ask them if they know an uncle, auntie, or cousin who is stable, healthy-minded, lives in or out of state, and can help you get on your feet. You can stay with them or rent a place (studio, basement, a room) from them. "Stay single, stack your money, and focus on yourself. Things will get better." This is the motto I'm striving to live every day. God bless you.

[@TulsaDude]

you didn't listen to the caller. The kid wanted some world experience.

[@ThatGuysGuitars]

Good lord Some of those “bad investment” duplexes are almost doubling their expenses And Ken says they’re bad investments? I’m sorry, but he’s a moron He mentioned “imagine you sell everything and have four houses left” Why? NINE don’t have a mortgage? Is he even listening?

[@nickpop8]

Ken is trash. The job market now calls for unions more than ever before in order to ensure safe work environments and protect workers' rights. Caller is on the second half of his working life in a secure, skilled indemand profession, and you advise him to cross a picketline?! Horrible advice - lose the long-term career for a short-term paycheck. Take the pay cut, uproot the family for an "adventure," and stop contributing to a strong pension... in your 50s? Completely out of touch with labor.

[@MONI-bj1ms]

Everyone one of them are for business

[@brucefredrickson9677]

@@MONI-bj1ms That's how you get paid?

[@MONI-bj1ms]

@@brucefredrickson9677 I worked in a union hospital, and the reps pitted every department against each other. I wish I owned a business, and it wouldn't be unionized. I'm referring to RS, and I invite you to watch ANY other financial show th as t is for unions.

[@sagmeister2234]

Rachel looks so little!

[@badlands9100]

What the heck does that even mean?

[@brucefredrickson9677]

who cares how little she looks?

[@kathigratton2286]

How many people have side hopes is not because they’re meant to make extra. It’s just a survive. Which is a sad thing in America. Unlike Europe

[@mcbailey7446]

John from Knoxville is a total cheapskate. They can more than afford a new car.

[@jenb25]

Why did we need unions before in a previous time but we do not now? Do you really think these companies would act honorable and treat employees fairly without them? You think Boeing would take better care of these employees with no union? Look at what these large companies are doing. To their product, to their workforce... ?

[@josem1118]

Ken is horrible. As soon as i hear him on i need to skip. Listened to the first 15mns and that was enough. Dave read the comments, people don’t like him.

[@artbigotti2640]

Came here to say the same thing. He consistently gives the worst advice about career choices. An example-after Jade answered the caller’s question, he insinuated himself into the call and told a firefighter to get a second job when the wife already said he needs that time to do household responsibilities. And he implied those were hobbies. He has no idea how the real world works.

[@nunyabiz8648]

Prior to this episode, watching Ken was like eating vegetables. You just held your breath and swallowed. Today I finally spit him out and into the napkin. He always comes off as the smartest guy in the room, just ask him if that ain't true. Today, after hearing his advice to become a union scab, I'll just skip episodes when he is at the desk. Hate to sound mean but dude is wasting a useful office chair not to mention the microphone.

[@Trustbutverify2651]

He did not insinuate himself into the call, he interjected himself into the call.

[@artbigotti2640]

@@Trustbutverify2651 No, I said exactly what I meant. He *insinuated* himself. Online dictionaries are free so I’ll refrain from copying and pasting the definition.

[@Trustbutverify2651]

@@artbigotti2640 There was nothing secretive or sneaky about what Ken said - that is what "insinuating yourself" into a conversation means. Ken was very upfront about his advice.

[@rushedinternet1505]

That is terrible advice for telling a 19-year-old young man to go overseas, especially alone. This is how they end up missing, homeless, and, worst, dead.

[@loljjjnojhfkkkkk]

I travelled to Australia and Indonesia on my own when I was 18 (I am from England). Best thing I ever did.

[@brucefredrickson9677]

he needs a job that pays money...too soon to travel the world.

[@lmao1915]

STOP PUTTING JADE ON EVERY DAY OMG

[@Jetup24]

Could be the other personalities are on vacation, or Dave wants Jade to be the primary personality

[@zdcampbell21]

Same

[@lauragem796]

It's Kamel they need to stop putting on every day.

[@nicoleyap-chiongco8139]

Why?

[@Iamearlbrown]

Jade was MIA for awhile. Last week was her most consistent week in awhile.

[@brookelondon8029]

Considering that this show exists because of what happened to Dave 30 some years ago when he bought real estate no money down, you would think that the host would have mentioned the fact that no money down is dangerous. You think they would've mentioned ROI. These are not cash flowing. This guy is enamored of the fact that he owns a lot of real estate and he has no idea of the risk involved. If the banks call his notes he is doomed. I wish that Dave would produce a cheat sheet for every type of call so that the hosts would mention the important things and not just some of them. He is in love with the fact that he is a real estate mogul. He's not.

[@Dawarlord34]

I have no clue that Rachel is this tiny and shot 😅 .

[@mike5869]

George is short...

[@pandafox12]

It's so funny how people can dress up the draft and just flat out state that they are okay with mandating one year of slavery nationwide...

[@Trustbutverify2651]

It’s not slavery if a person had a choice

[@MelvinTillman-hq4zh]

Jade is confusing

[@kierah16]

I like the other personalities but Dave is old. Can't *beat experience.

[@brucefredrickson9677]

Dave may be old...but still the best.

[@kierah16]

@brucefredrickson9677 sorry I had to correct my comment "Can't BEAT experience." I listen for his wisdom. Was saying that's why I watch. Because of his experience.

[@Jss766]

Can we see more dave? @daveramsey

[@amireallythatgrumpy6508]

When he's back from his 4th holiday of the year.

[@OliviaETT-b7w]

Your channel is one of the few that always pleases with quality. The information is presented clearly and professionally. Keep it up! 🔔🟫🍅