What Are You Willing To Sacrifice To Get Out of Debt? | November 21, 2024

The Ramsey Show | November 21, 2024
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Dave Ramsey & Ken Coleman answer your questions and discuss:
"My fiance hasn't filed taxes in 20 years..."
"I asked my parents if they can forgive my loan,"
"Should I rent out my house during the NFL Draft?"
"My brother co-signed a car with my late father,"
"I'm worried grandkids will blow their inheritance,"
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Wealth building and financial freedom are attainable with the right knowledge and tools. Using proper financial strategies and products is essential to growing and sustaining long-term wealth.. glad to know you want others to succeed

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[@lucoeli]

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[@Lumen-m1w]

I'm so impressed knowing how much people talk good about her expertise, i’ve been following Loraine’s strategies for months now, and I’ve finally reached the financial stability I’ve been striving for. Loraine's program has been the key to my success

[@nailatiyllufm7325]

Patrick, the reason your parents offered to help pay for college is because it would help your siblings. Asking them to buy you a car and pay your rent because you don’t want to get a real job would be enabling your bad behavior. You’re still young you could easily turn your life around but if you continue to keep the attitude that anything outside of the exact thing you want is out of the question, then nothing is going to change. I made more than $10k when I was working part time at McDonald’s to pay my way through school. Dont be a fool.

[@TheJghan]

Preach

[@billdiehl8463]

First Caller, Liz. Run Hun. Run now and run fast. This is going to be a HUGE mess that is zero percent your doing. Please take Dave's advice. Owing the IRS is not something to screw around with.

[@katconnor6422]

I didn't expect Ken's joke about chaps. HILARIOUS 😅

[@Zee-zj2uh]

😅😅😅😂😂😂😂

[@VictoriaFirmstone]

Don't simply retire from something; have something to retire to. Start saving, keep saving, and stick to investments. Everyone should have BTC in their portfolio…

[@RichardArthurBaker]

It's really heartbreaking to see how inflation and recession impact low-income families. The cost of living keeps rising, and many struggle just to meet basic needs, let alone save or invest. It's a reminder of the importance of finding ways to create financial opportunities. You've helped me a lot sir Jihan Wu! Imagine i invested $50,000 and received $190,500 after 14 days

[@VictoriaFirmstone]

As a beginner in this, it’s essential for you to have a mentor to keep you accountable. Jihan Wu is also my trade analyst, he has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns.

[@JeremyBilbrey]

Jihan Wu Services has really set the standard for others to follow, we love him here in Canada 🇨🇦 as he has been really helpful and changed lots of life's

[@lalsingh7340]

His guidance allowed me to restructure my retirement plan, resulting in an estimated $700,000 more by the time I retire.

[@JimJamieson-z4h]

Some persons think inves'tin is all about buying stocks; I think going into the stock market without a good experience is a big risk, that's why l'm lucky to have seen someone like mr Jihan Wu.

[@xeegurl]

I work for the IRS, and thats exactly what i get paid to do. File your taxes so we don’t have to come for you. Because we will, and we will collect what you owe one way or the other. File your taxes people❤

[@Zee-zj2uh]

@@xeegurl There's some confusion as to what is and isn't ordinary and taxable income. A friend of mine receives SS retirement benefits after working for 45 years. She also receives a very small pension of $100 a month. A tax pro told her she has to declare her SS benefits because it's taxable income. How can that be? Isn't that double dipping on the Government side? Is that even legal?

[@xeegurl]

@ Sorry, I cannot give any tax advice. Bu yes, Social Security benefits are taxable income, and we do pursue collection actions against non-compliant taxpayers.

[@ElizabethCrocker-l3q]

is it possible he's here illegally?

[@patm3711]

You work for the enemy, and you are the enemy. Congrats!

[@SuitedConnectors]

Fuck the IRS. They owe almost $4,000 to a family member and they just won't send the refund. But they're happoy to finance wars. Fuck them!

[@mikelacroix1882]

13k of student loan debt left before we start paying on our mortgage. Just paid off a 60k personal loan in 17 months. We have 2-3mo emergency fund already and 300k equity in our home. We plan on being 100% debt free by mid 2026

[@katiemeeks6796]

Wow our debts are very similar! $13k left of student loans and then $56k on my house! We got this! I paid off $12k of credit cards and furniture loans since June of this year!

[@TulsaDude]

Nice Mike, you are on a great track.

[@hdsensing]

The guys are right...this is bigger than taxes. This is dishonesty and irresponsibility. As an Enrolled Agent, Dave's advice is RIGHT ON with regards to contacting the IRS. He needs to hire someone to do it for him though. I have a case where I just helped someone get current not having filed since 2018. All those years she was due refunds.

[@amireallythatgrumpy6508]

Why aren't you going after this guy?

[@TulsaDude]

​@@amireallythatgrumpy6508an enrolled agent does not work for the IRS

[@Ray-DacaTimberworksWoodturning]

Hmmmmmm I've been watching you for the last couple hours. I just got my annual vacation check of 8k and used it to completely pay off a 8k remaining balance on a loan. That hurt, hurt real bad but just opened up 400$ a month. I was going to buy a new woodturning lathe with it, oh well I'm 46 and it's time to grow up I guess.

[@ADR7707]

Got to tell somebody….. September 2016, I a 57 year old single female, earning $55K with mid 6-figure debt started following Dave Ramsey. It’s been a long steady road. Today, 8 plus years later, I paid my last payment of debt. Today, I screamed, “I’M DEBT FREEEEEEE!!!

[@MK-pi6fs]

Congrats 🎉🎉🎉

[@TammyMurray-lw3yc]

Awesome!

[@always_be_eri]

Congratulations 🎉

[@mariepettit2632]

Way to go!!!🎉❤

[@briannasmith4796]

This is amazing!!! Congratulations 🎉

[@anniethomas451]

Liz 😲 OMG Your fiancé is a felon. 20 years of not filing tax returns? You are disturbingly calm. You do not want to move, cannot yet retire but you are committed? WTH

[@davespringer962]

Liz, you two are NOT a match. Run.

[@shawntariou5037]

I was so confused by this call as to why he was good idea

[@shayjennings3306]

Liz, please recognize the red flags! What will happen if you move and his irresponsible actions leave you bankrupt and away from your support community? If this is NOT your husband and you stand to lose alot..please rethink this situation! Don't allow love to cloud your judgment, please!

[@DerrickJames-bg3dn]

I'm favoured, $22K every week! I can now give back to the locals in my community and also support God's work and the church. God bless America,,

[@Deepisusanti]

As a beginner what do I need to do? How can I invest, on which platform? If you know any please share.

[@Datavendor3]

Investing in crypto/forex is a good idea, a good trading system would put you through many days of success.

[@AlexJamesem]

Investing $15,000 and received $174,000

[@alinesantana-s3m]

Same, I met Mrs Maria Daviz last year for the first time at a conference in Manchester, after then my family changed for good. God bless Mrs Maria

[@Bereerj]

YES!!! That's exactly her name (Mrs Maria d) so many people have recommended highly about her and am just starting with her 😊 from United States

[@MaMa-jh6bb]

Patrick, grow up…pay your loan.

[@alleykeosheyan4779]

...and lay off the weed!

[@Jimmykimmel-u3j]

I'm glad you made this video it reminds me of my transformation from a nobody to good home, $34k monthly and a good daughter full of love

[@PatrickFogarty-de9dq]

My advice to everyone is that saving is great but investment is the key to be successful imagine investing $15,000 and received $472,700.

[@Teresa5688]

Unfortunately, not all of us were financially literate early. I was 35 when I finally educated myself and started taking steps. I went from $176,000 in debt with zero savings or retirement to now, 2 years later, fully debt-free and over $1000,000 net worth. I know that doesn't SOUND like a lot, but I'm incredibly proud of it. Now I'm fast-tracking my wealth building (investing $400,000 annually) and don't owe a dime to anyone. It's a good feeling!

[@Kelvinper514]

Investment is currently the most lucrative business in the world. Both real estate, Stock, and Cryptocurrencies are positively changing people's lives.

[@FredRed-n6o]

People are ignorant of profitablity in bitcoin investment and that has been the major issues limiting their expectations.

[@Ropercof5543]

Making touch with financial advisors like Elizabeth Regina Nelson who can assist you restructure your portfolio, would be a very creative option. Personal financial management will be crucial to navigating the next difficult times

[@GaryBker]

As a 26 year old married guy who just bought a home for my wife and kids and owes $340,000, that debt is daunting! I cant wait to get where some of you are. I received a $90k insurance payout from a work injury and want to invest it in the stock market. How can I get started?

[@Luksphine]

Honestly, i would leave that money in an account that yields 5% annually , or if you're willing to take the risk of getting into the stock market i suggest you consult with a trusted fiduciary advisor for directions.

[@AniWalt]

My dear husband passed away in 2021, and I have around $400k from his life insurance just sitting in a bank account, earning nothing. I was advised to invest it through an advisor, and in just 18 months, I achieved over 80% capital growth, not including dividends. Highly recommended!

[@GaryBker]

Can you share details of your advis0r?

[@AniWalt]

Well, I chose “Victoria Louisa Saylor” as my advisor after her interview on CNBC In 2020. She is SEC regulated with offices in the US and quite frankly a genius with portfolio diversification. You should look her up

[@GaryBker]

She appears to be a true authority in her profession with over two decades of experience. I looked her up on the internet and skimmed through her site, very professional. already sent her an inquiry hoping for a response soon

[@tombkk1322]

Have all the babies you want and don’t worry about it.

[@cynthiawlaughlin5435]

Run from the man who hasn’t filed taxes.. and don’t look back

[@edwardhale2412]

(BS7) I see that blue "Better Than I Deserve" Yeti cup on the Ramsey Store. About time.

[@Intentionaltia]

41:03 I LOVE THIS! Lol Have kids right now. Lol.

[@BlakeC341]

Patrick's dad and brothers failed him. Dude acts like a little boy.

[@cynthiawlaughlin5435]

The Farrier sounds high.. just an observation

[@Zee-zj2uh]

He's in Colorado, where recreational Marijuana is legal. Rocky Mountain High 🎶🎵🎶

[@maralghiglia5854]

High or drunk. He was slurring his words

[@Zee-zj2uh]

@@maralghiglia5854 Probably has a record of felonies in the books and not legally employable. What a sad young man, a parasite to his parents.

[@c.parker8439]

Liz is in trouble. She needs to rethink the fiance because he's in debt and older than she is. I think he's trying to get Liz to help him. She will be liable for his debt once they're married. His love for Liz will be there once he cleans up his troubles. Good luck

[@GaCountryGal]

Liz stay off the dating sites. He will use you to clean up his mess. Run honey Run!

[@cslaw8819]

Patrick sounds like someone who’s in active addiction. Repeating themselves, grandiose ideas, entitlement, and with parents making the statement, “ungrateful…” sounds like a habitual pattern. (Since his parents have helped his siblings with college, his folks are probably the kind of people who want to help and give…so they can see ungrateful habits.) Unfortunately this was a waste of air time for Dave and Ken. It could have been better spent on someone who truly needs advice, and not on someone who likes to hear themselves speak..

[@alleykeosheyan4779]

At least he was good for a laugh...

[@NaturalWifeyandMamaBear]

Patrick is such a prideful bawl baby, golly. He obviously has some resentment with parents helping other siblings for college and not him so thinks it’s owed to him. But he’s got to move on and grow up. Period. No good lady anyway, is gonna want to marry you how you are right now.

[@robertomanso1814]

I like the show better when Dave’s not on, and I like Dave Ramsey

[@sabrinagalvan8173]

Liz, red flag. 😮 run.

[@avgholson8143]

Patrick...stop

[@beefandchicken]

What a tool he was. 😂

[@mariepettit2632]

😂

[@anniethomas451]

@@avgholson8143 A “Farrier Stripper” This show is Wild so far😂😂

[@Rick-of6gx]

Lol that call was great though 😂😂

[@sXePunkV2]

Oh Patrick 🙈🤣

[@Zee-zj2uh]

Not every business idea we think is good turns into a success. For several years I volunteered at a high end multi - use entertainment complex that holds wedding receptions, Broadway touring shows, opera performances, etc. And I never saw a woman dressed in a formal gown, bring her infant child into the ladies restroom suites in need of breastfeeding. Orlando is the city where I volunteered and to that lady who called from Orlando I ask, what were you thinking????

[@Elizabeth_lowkeyluxuries]

See what your state offers. In home caregivers get around $15/hr - not a lot, but it gets you money. Overnights are ridiculous ($5/hr). Get rid of the car pymt and sell the house if necessary. Or get your expenses to $3500/month. Get help from social service, church, friends etc

[@rudysoto5161]

Patrick is terrible. He needs to grow up and take control of his life.

[@jennifercaldwell2655]

@@rudysoto5161 he sounds hi

[@Shadowwind4]

He’s just a kid. A 23 year old kid. Lots of 23 year old MEN call in to the show seeking real wisdom and guidance. I completely agree Patrick needs to grow tf up

[@haloimplant7678]

I made more than 10k when I was 17, and money was worth a lot more back then

[@shayjennings3306]

@rudysoto5161 sounds like something else has taken control of him! It's just my pure assumption..addiction is a key path of bad behavior and irresponsible! His parents know what's going on. I just hope they no longer enable him.

[@jessicabryant7541]

Dave wouldn't let the lady asking about having kids actually talk. What if her husband's concern was she wants to be a stay at home mom and they are house poor based on his income alone

[@BriEly3]

He is always for having babies. Babies are awesome. Hopefully if you are right, they can get out of it - which that is possible to get out of. If the guy doesn’t want kids and she does, hopefully she knew this cause that would be bad

[@jessicabryant7541]

@BriEly3 he's definitely pro babies. It just would have been nice if he allowed her to talk about the specific concerns. She was trying but he was too busy yelling his opinion to allow it

[@crazymouselady]

He took her call too late in the segment to spend several good minutes on it.

[@miloseveggies8064]

Why not strip AS you trim hooves?

[@scootsmcdoots80]

Patrick needs to get to the point. You can tell he’s not very smart by how he listens and answers questions. He should go be a factory worker or something. His ceiling is low and that’s okay. I don’t think he will ever see his entitlement and will resent his parents simply because he’s been spoiled.

[@alleykeosheyan4779]

He probably would do well to smoke a little less of that Colorado weed, too.

[@paulamartin9507]

Dave woke up and chose violence !!😂😮

[@mschaieme]

HEHEHEHEH THAT GUY ON HIS PARENTS FORGIVING THE LOAN

[@MelvinTillman-hq4zh]

Favorite duo..

[@seanjean9677]

Patrick is entitled.

[@thebusyhomeschoolingmomfiles]

Oh Patrick 😅

[@miryamishot]

Patrick sounds lazy and useless

[@YouMissedBro]

Weak Colorado men

[@JennieEsterly]

Julia in Oklahoma - Please look into becoming CNA certified. Some states will pay you to be your own spouse's caregiver. It's a wonderful program and full-time work/pay!

[@Zee-zj2uh]

Wonderful concept! I hope she reads the comments here. She sounds so defeated and rightfully so. Her girls need to step up to the plate. My niece's husband had a horrible condition brought on by the jab. Their 4 girls, all very spoiled and entitled, didn't cope well. He only lasted 18 months and thankfully had great life insurance. I'm so sorry Julia is going through these trials and I pray she'll take Dave's advise all the way around.

[@JennieEsterly]

@Zee-zj2uh It's so awful and tragic. When I lived in Colorado, I was a CNA. I worked for a company that paid their CNAs to be caregivers to their own family members. It was state funded. There were moms that were caregivers to their special needs children, daughters & sons that took care of aging parents, and spouses that cared for their ill spouses. They're evaluated by insurance, the state and disability to determine the hours of care they qualify for. (Each disability is different). Then once approved, the CNA logs their hours with the company and gets paid. I hope she sees the comments and I pray something like that is available to her! She would get paid and get tax breaks for taking her husband to all of his appointments.

[@bettedavis9261]

​@@JennieEsterlyI'm not a CNA, but I am the paid caregiver for my disabled son through HCBS services paid for by Medicaid in our state. It's a win-win situation for our family.

[@beefandchicken]

​@@JennieEsterly Does autism count as a disability? Serious question....

[@JennieEsterly]

@@beefandchicken Yes. The company I worked for specialized in special needs children. The family I worked for had a son with autism. He was non verbal. He qualified for full-time care.

[@paytonguinn6659]

For the lady who makes formal dresses for breastfeeding women, I would love to be able to get a formal dress while breastfeeding. Our problem specifically was money. Even if i liked the dress, having a newborn unprepared can make you so so broke 😂

[@bettedavis9261]

How are you unprepared for a newborn? Don't you usually have 8-9 months' warning?

[@Zee-zj2uh]

But wait! Who takes a breastfeeding infant to a formal event!?

[@sarahsmith52822]

My husband and I (and our baby) have been to multiple weddings this year and I’ve had a terrible time finding fancy dresses to wear that are also breastfeeding friendly, so personally a formal dress to breastfeed in sounds amazing. 😅 I can see how the need for them is rare, though!

[@mellowbirddreamer77]

The problem with this woman's company is that she is selling only to women. You've eliminated half the population then you're selling only to pregnant women. You're significantly cutting down the amount of women you're selling to and then you're selling it to women who breastfeed and is going to a formal event. you're not going to get very many customers at all. At best, you'll get maybe a few in a year

[@librarygyal0589]

Hubby and I have 2 kiddos, and I did have to take them to events but it was too rare to make a case for buying a brand new dress rather than just wearing a dress with a v-neck or scoop neckline.

[@Shadowwind4]

YOU CAN LEAD A HORSE TO WATER BUT CANT MAKE IT DRINK AMIRITE XD

[@NewGuy2024]

Many elderly folks at my church have not filed taxes for the past 5-10 years.

[@Trustbutverify2651]

That's probably b/c they are living on social security and most people living only on social security do not have to file federal taxes. However, they may have to file state taxes, depending on the state.

[@rpnum1]

Good luck Patrick

[@JennyinJanuary]

What about daycare expenses …..

[@lilaschwarz1236]

The ferrier sounds like he has always been the problem child, caught in double-bind situations between being spoiled and left behind. That's the dilemma with his whole generation. I hope for him he'll grow up. For his own sake, so he can't be bossed around.

[@insanedrummer89]

He sound like you might possibly have a disability

[@jonarment1229]

If the IRS owes you money, then there aren't any penalties owed. It's when you owe for a year that interest and penalties pile up to the sky. That first caller might be alright.

[@Trustbutverify2651]

Maybe, but Dave's point is b/c he hasn't filed, he doesn't know.

[@jonarment1229]

@Trustbutverify2651 Dave left no room for "this might be alright".

[@EricTimmons-jv7qz]

I seems y'all missed the statement that he paid his taxes. He just hasn't filed. So all he has to do is file. He may not owe them a dime. That being said. Yes not filling is illegal.

[@Davefitz04]

No he said he may not even owe taxes

[@crazymouselady]

@@Davefitz04 He may not owe any because the taxes have been taken out of his paychecks the whole time.

[@Moni-c7k]

​@@crazymouseladyhe probably missed a large amount of money in refunds which he isn't qualified to get now.

[@J.FamGuy.M]

Interesting thought. However, you also have to factor in the late filing penalties. From what I can see, the late filing penalty for not filing your 2008 tax return would be $485 + 25% interest. Bible says give to Caesar what is Caesars, or give the government what is due. This also falls under high interest debt: this is honestly a baby step #2 issue. Yes, he owes $1000s of high interest debt.

[@rachelesmith3342]

Yes which shows that he is lazy at least or hiding something at best. Either way, not the kinda guy I’d have my future daughter or sisters involved with. He’s too old to be making such rookie mistakes, especially for 20 years straight

[@bettedavis9261]

41:05 well, Dave, your own daughter disagrees with you. On this week's Smart Money Happy Hour, she specifically said having babies is expensive.

[@Trustbutverify2651]

Dave's point is that babies do not need all the "stuff" we think they do.

[@bettedavis9261]

@Trustbutverify2651 I agree, but Rachel was commenting on how expensive diapers and formula are. She wasn't really talking about the "extras." This can get into a chicken and the egg discussion, I know.

[@Trustbutverify2651]

@@bettedavis9261 I don't know about formula, but I've bought diapers for several newborns in our church and they are outrageously expensive now!

[@Aria54321-h]

Liz, I would leave him.

[@Trustbutverify2651]

Anyone else notice the cruise has been 96% sold out now....for months?!🤣🤣🤣

[@boondock6055]

Dave gets a little obnoxious he can atleast hear people out

[@2WheelsCorner]

Will everydollar ever come to canada

[@brandonray4801]

Yall are wild. There is no law that requires most Americans to file a 1040 form. Don’t take my word for it, write your representatives in congress. Ask them to show you the law. I love listening to this show, but there is absolutely no law that requires you to pay unless you live in D.C. or work for the federal government.

[@qwertyfy8014]

Patrick is whats know to be a Deadbeat. A straight up deadbeat and always comes up with excuses. 😂

[@nativetexan3811]

talk about timewhare exit team and how you are going to reimburse people who fell for the scam that you endorsed. Most paid about $3200 each. Pay it back, Dave!!!

[@frederickruderman2997]

First women caller: my husband wants to retire but I need to work 10 more years. I guess all men today are home changing diapers cooking meals, cleaning clothes, sewing OMG. I supported my family 100% including health benefits. In addition to our home, we have two vacation homes, and I retired one year ago at age 67. Every nickel came from ME working my butt off

[@Intentionaltia]

Ok but listen to the other caller, she was reliant on her husband who was the bread winner who then had a heart attack now she is struggling come on!

[@Four3zero]

@@IntentionaltiaLife insurance is a thing

[@Trustbutverify2651]

@@Four3zero What her husband needed was disability insurance. Every family with only one breadwinner should have it.

[@Trustbutverify2651]

@@Intentionaltia Which is the reason ALL women should have at least one foot in the workplace in a GOOD-PAYING job (even if part-time). Death is easy and inexpensive to prepare for with life insurance. Disability insurance should be a budget item for all families with one main breadwinner, but cases like this show that once the kids are in school, having only one breadwinner in the family can become very risky financially. Fortunes can disappear in a hot second if someone with a high salary and a family accustomed to living accordingly suddenly has a stroke and needs 24-7 care.

[@Joce123]

There's not a chance that I would deny my mom and stepdad a nice place to stay... Because I wanted to put money over them... Are you kidding?

[@proudhunter85dirty]

I'm willing to work till I die.

[@Trustbutverify2651]

But you may not be able to - prepare accordingly.

[@susanne_christine]

16:50

[@slavaboggu]

Hard to believe what Dave said about billionaires and integrity. You don’t become a billionaire without breaking some rules and laws.

[@amireallythatgrumpy6508]

It's possible but rare.

[@Holy_Athletics]

Which laws specifically would a billionare break? NOT LOOPHOLES used by everyone, but breaking the law..which ones?

[@robertscranton5141]

Sorry but Eddie is not a millionaire. I am baffled that Dave goes to Great length to bless us with the definition of "net worth" but ignores deferred tax liabilities. Asset - taxes is < $1M. He is not free of the obligation just because taxes haven't been paid. Any certified balance sheet would not place $1M in equity. Signed ANY CPA.

[@J.FamGuy.M]

I agree. This is essentially a blow out sports game going into the last 3 minutes but not wanting to call it. If claiming millionaire status motivates him, I will give him the grace on that. If it makes him sloppy, the game is his to lose.

[@decapua]

Cmon, Dave, the story about your jag and grandpa saying his investments go up was fresh because you just made the up the story. 😮 That’s ok though, people shouldn’t spend significant money on depreciating assets. Thats the real story.

[@bettedavis9261]

This isn't the first time Dave has told this story. I've heard it at least four times over the past several years.

[@frederickruderman2997]

Dave,😂 Number one self-reported great quality of billionaires is as self-reported integrity. Is Ramsey joking or is his audience actually that stupid?

[@HashPhantom]

They act like Liz’s husband is a meth kingpin and has been doing it behind her back for 20 years.

[@aleksandralhatso7988]

Integrity???? Trump???

[@Trustbutverify2651]

What we need mostly is COMPETENCE. Do you check the morality of all the individuals in your life - doctor? dentist? professor? electrician? I'll be not - you just save it for the politicians.

[@aleksandralhatso7988]

IF you break the law you go to jail??? Trump???

[@Trustbutverify2651]

Never sentenced

[@reubenjewell1869]

Ramsey stop eating your wasting the world's resources 😅

[@amireallythatgrumpy6508]

He's not the only one. Most Americans eat enough for 4 people.

[@Joce123]

Dave..STOP WITH THE "BABIES NOW" ADVICE.....DAYCARE DOES NOT ONLY ALWAYS EXIST..THERE ARE WAITING LISTS.. And if it is available it is outrageously expensive... We tell our children to make sure they have at least a $100,000 in savings before they have a child. They live 5 states away from us ,so we cannot take care of their babies. We work full-time still.

[@ghostriley1855]

Dave said in the past he doesnt work Fridays anymore, so he wont be hosting tomorrows show 🥲

[@beefandchicken]

(I miss Hogan. Don't tell anybody I said that.) 😂

[@actuallyterry]

​@@beefandchicken lol. I do too.

[@bettedavis9261]

​@@beefandchickenit'll be our secret.😉🤫

[@Zee-zj2uh]

He needs to be home for the early donut delivery to arrive!😂😅