Winning With Money Is 80% Behavior | January 9, 2024

The Ramsey Show (January 9, 2024)
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[@Nigriff]

II Corinthians 4:18 - While we do not look at the things which are seen, but at the things which are not seen. For the things which are seen are temporary, but the things which are not seen are eternal.

[@tyanaarcher3235]

I am from South Africa. I have been listening to Dave for the last 3 years. When I started I was so uneducated in regards to how to work with money. My parents are good with money, but never taught me how. I have never had a credit card, but paid stupid tax due to caring for 3 kids (one being my ex) I was trying to budget with my ex but never could due to him being lazy and me financially taking care of him as he didn't want to work. Now that I broke it off I am a single mother, work my ass off with 5 jobs as he barely provides for his kids. But I don't need him, and this show has proved to me that if you put your mind to it you can do anything. I have tripled my salary in 4 months.

[@rnarzu]

In Nigeria people only I use cash no credit so common sense is used for spending and savings.

[@Nigriff]

Yessss to Dave getting another opinion on the $10-50k necessary dental work

[@enjoywarmwinters]

I started to listening to Dave in November of 2023. In the last 3 months paid 10k toward my debt. I even got my husband to pay off his car and it was like pulling teeth because he likes to spend, but he did it! I paid my car off as well. I still have a ways to go but by next December I should have everything paid besides one student loan and our home. And I won’t be stopping! ❤

[@je11omo]

GO GET IT! Way to go!!!!!!!!!!!

[@SMetz-cw6qj]

Good for you! Keep working hard!

[@richhustle2024]

Way to go!! 🎉

[@lifesabeach5074]

Not I but We.

[@tjsurname119]

Bahahaha ! "Sharon has the pain threshold of a Navy Seal. . .I have a hangnail and I'm on the floor screaming like a baby"! ! ! Oh just LOVE this Dear Soul Mr. Ramsay !

[@davearonheim1582]

😂😂

[@donsantos8798]

I listen to Dave ramsey while I work out

[@melissahyslop1324]

Dave, thanks for being honest with people who are mingling their money with a boyfriend/girlfriend. People need to hear & be reminded how stupid it is!

[@leviyk7]

I looked at my bank account, I have enough money for the rest of my life... ... if I die next Tuesday. 😂😂😂

[@rnarzu]

Popeyes' best friend😂

[@mrdark9916]

Well it's been 11 months, how are you doing now??? You SHOULD have your 6 month FULLY FUNDED emergency fund AT LEAST By now. So how's it going?

[@lyncheng2022]

I am from the Philippines and I truly appreciate the straightforward answers. Filipinos need to watch your videos and understand the importance of being debt-free to achieve a happy life.

[@lyncheng2022]

@Midwest10 For those employed, they have social security where employers contribute more than EE share. For those in business, we can voluntarily contribute for our pension. Helping family needs to have a limit too. We need to break the cycle.

[@SMetz-cw6qj]

So many people would benefit from watching these videos!

[@sweetlorre]

​@@lyncheng2022 hi kabayan. I just started this month and I listen all day long. I'm an OFW and up to my neck with debt. Hindi ko alam paano ko ita tackle. But listening to this show gave me invaluable lessons and game plan! I really have to break the cycle, because I came from a family of borrowers.. in God's grace and hard work, I have to make it.

[@Scarface_445]

1:59:19 I like that Dave recognized this kid does not follow the Ramsey steps but is financial driven young man. No judgment, just a smile and snicker. He knows this kid is meant for big money, regardless of the baby steps.

[@Nigriff]

Jesus loves when you talk about being generous ❤

[@chaosdragun1608]

Gift with contingencies is not a gift its a verbal contract that if you break the person will never let you live down. If you wish to bless someone with a gift thats absolutely wonderful but if youre going to judge how said gift is spent than dont bother.

[@NaturalWifeyandMamaBear]

The Charles sleeping on a queen bed always cracks me up 😂 haha George. Too funny. Ongoing joke from Smart Money Happy Hour 😜

[@breannacarter3186]

I listen to this in the background when I’m doing my biweekly budget.

[@SMetz-cw6qj]

Good for you! It’s always good to be reminded that watching your money carefully is a great thing to do!

[@woodyentertainment3798]

👏🏾👏🏾 This the one !!!

[@rnarzu]

Very motivating

[@MarkBray-g6h]

I never heard of the baby steps until about 6 months ago but I have been living them for over 30 years now!! We have always hated debt! We have always tried to live on less than we make and when the opportunity for overtime came up I jumped on it. Regular hours was about $58,000 for 3 years in a row I made $84,000 with all the overtime. We paid our house off in 17.5 years and I don’t regret any of it and would do it all over again!

[@JfilliaPlays]

im definitely showing up for this free live stream. My wife and i are both on a saving binge for our first home and i been on a binge spree for Ramsey and even purchased his book total money make over. shes been hearing me preach and wants to join in on the free live stream. Im super excited for it..

[@alexstotis1878]

54:26 adding to what the caller said, I think where it gets a little confusing is that people talk about budgeting percentages to your needs, wants, saving, giving, w.e, but then they’ll never add a percentage to paying taxes. For example most budgeting experts say 50% on needs, does the needs category include your taxes? If that’s the case you’re left with what 25 of your gross pay for food housing transport. I’ve noticed this disconnect too.

[@doutheo8399]

It came to my attention after a few years in the USA. The income number in my head is 1.5 times my actual income. The price tag on things is 90% of the actual price (10% sales tax) - 75% ( restaurant). This is psychologically very misleading.

[@masonr1666]

Yep, life can go wrong very quickly. You can get hired, and 6 months later get laid-off. If you take out a car note, you still owe the note, even though you have no income comeing in. This is why you need to pay for cars with cash.

[@pamsmith1665]

And learn to spell

[@mtb4657]

@@pamsmith1665😂

[@crazyhorse9556]

@@pamsmith1665Grow up.

[@ThemommaBear195]

That sounds like a sad story. I hope it’s not yours.

[@Nigriff]

2 Best hosts 🎉

[@GoldenOldies-007]

take it from a older person who bought a condo thinking it would be less expensive than a house - DO NOT do it. the hoa fees I'm now paying, which go up every single year, has now made my payments more than a home payment would have been!

[@miryamishot]

Read the fine print. Always buy in area where you can easily sell. Maybe sell your condo?

[@loriwilley7143]

And it’s never paid off because HOA, taxes and insurance equal a house payment

[@PrincessLolly1]

You’re sooo right. We’re planning for yard work and snow removal costs in our retirement budget to stay in our home. I don’t want to give over control of these services and costs to an HOA. Heard too many horror stories about mismanagement of HOA funds and dictatorial HOA board members getting into their members’ business.

[@Armetricesjourney]

I just signed up for a free session, thanks to Dave!!

[@kateharris1676]

For the dental question too I’m pretty sure they have to do extraction and fill or screw and let that heal for at least 3 months first and most likely unless just put under it would be multiple visits over time for sides of mouth per extractions. Doesn’t seem like it’s have to put 10k down immediately either.

[@bkauffman98]

Gerry Rafferty opening the show always gets me excited!

[@Trustbutverify2651]

What does fiance mean now? It seems it simply means a long-term relationship. Fiance in the past used to mean someone asked another person to marry him or her and then a date was set for a wedding. How can you be a fiance(e) for YEARS?

[@Fishouta]

And also the meaning of "single" has changed. It used to mean not married. Now people say it to mean not in a relationship.

[@MsValiG]

fiancé suppose to be only for a year before marriage, meaning you asked the question and you got a yes. Otherwise is just someone you live with like a roommate but you have sex with

[@angelaw4543]

​@MsValiG depends on the generation. One could be engaged...or betrothed...for years. From the middle.ages u til around the 1950s. Your definition really only applies since Vietnam. That said, ADULTS engaging into a marriage agreement (engaged) don't NEED more than a year to plan a wedding. My 22 yr husband and I did it in 2 weeks. We are weird.

[@estellec5340]

​@@MsValiGYeah that's what we did. Do you want to get married? OK now we are engaged and we got married about 13 months later. The exception for me would be people who had trouble getting a venue after covid because everything was booked. So some had to book 2 years in advance.

[@bettedavis9261]

I didn't know you could perform surgery on a rocket. Dave mentioned it three times today. That's my learn something new today.

[@flashthecorgi2053]

So excited for George’s new book! He’s so wise, funny, snarky, and intelligent. I know this book will be so great!

[@BeeDee-qs9so]

I never think of him as snarky but I sure agree with the rest of it!

[@flashthecorgi2053]

@@BeeDee-qs9so do you watch him on smart money happy hour? When he’s drinking, the snark comes out! 🤣

[@BeeDee-qs9so]

@@flashthecorgi2053 Ahhhh…Slightly different demographic as well then. 😃I truly appreciate that show the few times I have watched it. Rachel and George probably get more younger folks to hear their message just by making it fun and relatable as they do. I loved when they had Sharon Ramsey on. She’s so charming and genuine.

[@bettedavis9261]

​@@BeeDee-qs9sowell, I'm "older," and SMHH is one of my favorite podcast/KZbin shows. I personally think it transcends all age groups. Rachel and George are so much fun.

[@bettedavis9261]

Flash, I'm so excited for it! My library has it on order, and I'm 17th in line on 4 books. Can't wait!❤️❤️ Even though I'm BS7, I don't buy books, but use my trusty library card.

[@ruthannelamantia5568]

Love the story about “Chuck and the lonely duck”. How sweet!!!!

[@daniellesmall2625]

Did Dave say “Rocket Surgeon?” 😂

[@taz24787]

Landlords paying the mortgage usually save that difference for repairs/vacancy months, and the stress/work they go through is to obtain equity in a valuable asset for the future, not immediate cashflow.

[@PrincessLolly1]

Glad Dave went deep on the family blending. Unless assets for ANY loved ones are in a trust, the new spouse and the deceased spouse’s kids (or elderly parents) are not getting what they think or what the first spouse to die had intended. My family lived through the awful chaos of my dad’s 4th wife legally forcing the dissolution of a supposedly IRREVOCABLE trust. My Dad is no doubt spinning in his grave that her adults kids, and none of his adult kids, will be inheriting all the assets when their mother dies. His intention, and his wife had said her intention, was that all 7 kids get an equal share of the assets remaining after the 2nd spouse passed. (I’ve heard of adult kids “doing wrong” by step parents too.) In this case, my sibs and I had done more to help our dad’s wife over the years than her own kids ever had. They used her over and over again but she never stopped trying to buy their love, even if it meant dishonoring her husband’s wishes and losing part of her support system (me and my sibs).

[@SneakerGame-tp8gv]

Dave Ramsey has worked hard in life, but that doesn't mean he wasn't born into a rich family, and that he didn't have wealthy real estate developer parents. It is rare that he would ever mention this.

[@TedWesterfield]

Looking forward to seeing how the portfolio performs in the inflation years. Gut reaction is probably not well but will hold final thoughts until seeing the numbers. Inflation is one of the worst killers (if not the worst) of a portfolio.

[@Spankmepink]

I'm in the same area as the lady who called about dental implants, I had them done over 10 years ago though and went to many surgeons. I had to have all my teeth surgically removed and replaced will full mouth implants due to my crohns and the cheapest was just over $50,000.00 10 + years ago.

[@MsValiG]

I just had two, 6000 each. The new thing is a dentist who prepares and another office for the actual implant, so the low level dentist and the "expert". They come up with things to extract more money from one person

[@Fishouta]

@@MsValiG does insurance cover this?

[@MsValiG]

nope @@Fishouta

[@PrincessLolly1]

@Fishoutadepends on your plan. Our dental and medical insurance each covered some but was still about $4K out of pocket per implant.

[@szentmihalyiautodiagnosztika]

Watching from Csikszentmihaly and learning economics, we live in a different world here on a small fragment of that money

[@MCminus2]

A lot of respect earned for the Dave Wottle shoutout. Very few would know who that is out of context. Even fewer would know his childhood home town!

[@pamdanner3274]

Paid for a tooth implant last year. There are all kinds of things that must happen in addition to the implant…anesthesia, extraction, etc…with bad dental insurance our part was about $5500. Got a couple of quotes and this one was best!!

[@pamdanner3274]

Yes, our part was 4600 for one. We got quotes from those in our insurance plan. And, by the way…we had to pay in advance!

[@PrincessLolly1]

@@pamdanner3274 Same, I’m on my second one. The cost is more bcz it’s not as simple as my first one but my costs are similar to yours.

[@MurphWilds]

To the tech kids in Seattle, be careful.. never say your income will continue to increase. Lots of layoffs coming and AI. Kind of surprised you don’t know that from your career. My rates are way down as self employed tech.

[@gourabsarker9552]

Sir how much do you earn now? Plz reply. Thanks a lot.

[@patricksimon8943]

They are in their early 20’s. They haven’t experienced the harshness of life yet.

[@tammynederman2239]

Good stuff! Great way to start the new year off right.

[@PrincessLolly1]

Dave might not have mortgages on his rentals but he does have property taxes and maintenance costs. He should mention that he has a pile of cash to cover those if he has vacancies and no money is coming in to cover those costs. Paying with cash is not enough. You need an emergency (or overhead) fund for real estate too.

[@Scarface_445]

1:56:29 Agree with this caller, Mexican here and I was not allowed to work. The big fear is you’ll fall in love with fast money. Which you’d be surprised it literally happens to Latin Americans so much. It’s why the % of Latin Americans that go to college is so extremely low, but are regarded as a high “working” culture. You either end up falling in love with fast money or realize the value of a dollar and learn to save like a nut case. Aka you love working hard or you learn to work hard and smart. Keep at young one, same situation here. First to go to college and first to do what I do. Life is WAY easier once you get past the food shelters and donations phase.

[@sherreschlief4664]

My question is on investing. Is there an investing firm that you recommend and trust?

[@1224deano]

Go to Southern Arizona near the border. Great dentist there perform similar dental procedures for a fraction of that.

[@mmp495]

💯 I live in AZ. It’s Algadones for very responsible, inexpensive work. 🦷🪥

[@Trustbutverify2651]

Samuel - do NOT start supporting your parents at only 60+ years old. Help them with a budget. They could start depending on your for many more years. Connect them with social services and find out if there is help out there for their utility bills. Also, if they own a home, check into whether or not there is real estate forgiveness for part or all of their real estate taxes for people with modest or low incomes. Investigate the various services available by checking that out through AARP which has help for anyone over 50. There is help, but it should not be them depending on you. Very bad habit to start.

[@tarheelhurricanegirl9991]

That is all bull. There is not an unending amount of services out there for people. The only people that qualify are the poorest of the poor, and even those people don't qualify for much. And the AARP is a freaking joke. They aren't good for anything other than selling a useless subscription.

[@mmp495]

💯

[@sandrareck4125]

❤❤❤❤❤❤❤❤❤❤❤❤⁰⁰00❤❤❤⁰⁰😊😊😊😂❤

[@rnarzu]

Great suggestion. He'll also learn for himself

[@GoldenOldies-007]

see really high number of commercials that interrupts the show make it impossible to watch on UTune!

[@playlists.and.painthorses]

George and the other co-hosts handle being interrupted and talked over so well. Dave always has great advice, but whats the point in a cohost if you never let them finish a sentence or offer their perspectives? And the rare times when they do he counters with "no, but..." I love all the ramsey shows, but I absolutely hate hearing people get interrupted so consistently. It annoys me it has to annoy them.

[@loriwilley7143]

Agree! Love Dave but HATE how he disrespects his cohosts!!!!!!

[@loriwilley7143]

And notice that he does not interrupt Rachel nearly as often as the other cohosts

[@Cesar_1935]

1:50:35 I never heard George say Dummy like that😂

[@tommyshibata5768]

I no longer use my credit card anymore to buy the essentials like food and gas. Now I pay cash or use my debit. 😊 The result, I have cash left over to save since I don't have to pay my credit card.

[@PrincessLolly1]

That doesn’t make sense to me. If you’re budgeting, you have money to pay for your expenses, there’s no “money left over.” Every dollar should have a purpose if you’re following the Baby Steps.

[@ginacardarella]

I love the idea that dave looks out for the wife❤❤❤

[@GreyRock100]

This is the Ramsey show.

[@PM-xd6nv]

Where debt is dumb, cash is king, and the payed off home mortgage has taken the place of the BMW as the status symbol of choice!

[@GreyRock100]

​@@PM-xd6nv Damn right

[@myoldvhstapes]

@@PM-xd6nv: paid

[@victoriaeffanga6207]

❤

[@malissakirby4193]

Bring back the original opening! I paid off my house partly because of it!😅

[@bigkevo4x4]

Amazing show 👌🏼

[@1010chris]

1:36:20 Dave subtlety trying to keep California out of his state.

[@SuzanneU]

Californians have plenty of options for taking our money to! Tennessee isn't high on the list.

[@hollisterlasers-ion8939]

Some real wealthy people today. Helpful if you're looking for this kind of advice and you're not in the early steps. 0:47 family on baby step 7, needs some advanced financial planning help 11:20 should we buy a new house (with a loan) and use our current one (not paid off) as an investment property? 16:08 should we be investing differently?

[@anthonyyoung6489]

45:15 pro tip dental implants are 10k per tooth in the USA. At least what I’ve found in California. You can fly business class to the Philippines for 5k round trip and get the implants done for about $1500 per tooth. You can get similar prices in Mexico as well. I’m also in a situation where I need teeth eventually and I need to cash flow them myself.

[@itscarmine]

I wish I could pay a monthly membership to have no ads, just calls

[@viktoriavak4117]

Dental implants are so expensive, but if you travel outside of the country they have so many more options and so much less expensive!!! Also you get a vacation

[@kationich]

“I’m entitled to healthcare” - uhhh I don’t know, I understand the idea, but I don’t like the example. I would like to live in the world where everyone is entitled to basic utilities like clear water and electricity AND has unlimited access to healthcare. We don’t need expensive cars or big houses to survive, but accessible universal healthcare just gives people dignity. From Europe, this looks like common sense.

[@lifesabeach5074]

So you don’t want access, you want someone else to pay for your health care. Everyone has access to healthcare in the US……

[@PrincessLolly1]

@@lifesabeach5074 NO, everyone does not have access to healthcare in the US. Maybe just everyone YOU KNOW does. Ask those of us who work or volunteer with underserved populations.

[@howardwiener2652]

$30K for the kids and worried that I entitled kids will suddenly become entitled…do like Dave says. If they aren’t already entitled you have nothing to worry about. Just be a parent about it and remind them “we know you aren’t entitled jerks and we aren’t giving this because you’re entitled to it. You work hard and you do good in the world, and we know this won’t go to your head. We are giving this because we love you and that’s all there is to it.” There are other solutions too, like hold the cash in a money market until they find the house and their offer is accepted and then tell them you’re helping them to increase their down payment, or wait til the house is bought and then tell the kids you want to make a lump sum payment towards the mortgage (after the prepayment penalty period).

[@bettedavis9261]

45:00 how does Dave know that the people with dental questions actually went out in the marketplace and got a better price? Did they write or call him back? If so, we never heard about it. I personally don't think Dave knows beans about the cost of extensive dental work. Now, I am all for getting more than one bid or action plan on treatment.

[@frederickruderman2997]

How would Dave know. You think he pays his own bills? I heard Dave Ramsey is worth one half billion dollars. That’s 500 million dollars !

[@mmp495]

Dave has been helping people for 30+ years. This ain’t his first rodeo. He’s right you can shop around. 🦷🪥

[@PrincessLolly1]

Dave always talk about a 40 year old story about a dentist he saw. He’s worth $700M (per DeLony) so no, he doesn’t pay his bills. He has a bookkeeper or an accountant for that.

[@flippindocks8183]

At 1:04:02 she states they make $400,000 per year at age 24. HOW IS THAT REMOTELY POSSIBLE???????

[@RomyMacias]

We are getting migration from same states to MEXICO. It's wild! Greetings from Queretaro, Mexico

[@TurnersTreasures]

Before I make my biggest complaint and Ive been holding this back for a couple of years now, I love this show and all the advice that Ramsey and his experts give on financial advice. It has helped my wife and I start our debt free journey. Anyways here it is. I have started skipping pass the already successful people that call in for advice. Thats a waste of airtime. Specifically, Sarah and her husband that's 24 making $400k a year working in "tech" in Seattle, WA which is probably for Google or Microsoft. That woman doesn't need to be on the show, she's needs to hire a personal financial advisor. She obviously already successful and has no debt. She literally called to ask where and how much she spend her fortunes. That type of stuff just discourages people with REAL problems. I hear and watch several Sarahs on here like every other show. Help the people that need help not the ones wanting more knowledge on how to be even more successful. Then again, it's not my show so what do I know. Rant over.

[@laszlobauer5274]

I think people need to have an idea what's on the other side.

[@JfilliaPlays]

i agree where are all the broke people making 30k or less?

[@PCKA1987]

That sounds a little jealous and curmudgeon: this show is for everyone at every stage of their money journey. More money, more problems. We all need wisdom, especially as our wealth grows. It’s a lot wisely steward. Sarah deserves a spot on the show too.

[@laszlobauer5274]

@@JfilliaPlays broke people make all kinds of money, you can do terrible and make 150.

[@JfilliaPlays]

@@laszlobauer5274 makes sense

[@cathy9423]

Can we have a show, or special episode just for combining families? I’m here for it, and I’m sure many more are too.

[@dianedobry800]

When are you on so I can call in in the future? I’m trying to figure out how to retire without having a spouse and a house to help finance it.

[@amireallythatgrumpy6508]

2 pm to 5 pm weekdays eastern time

[@christianwiersma5753]

You guys talk about PMI being really expensive but my PMI on a $192,000 house was $14.28 per month when I put 10%. Why is there such a big different from what others are paying for this?

[@PrincessLolly1]

Our PMI had been pretty low too. I think it depends on your credit score and location.

[@Fishouta]

Just because someone says their job is in "eduation' does not mean they are a teacher or are even qualified at tutoring.

[@pamsmith1665]

Could be the janitor

[@crack1270]

PMI is not $75 on every 100k, mine was $90 on a 350k house that I went through churchill mortgage to get

[@Fishouta]

I think it depends largely on the borrower's credit score and perhaps DTI ratio.

[@lavenderkisses9461]

Maybe state related? It’s $75/100k in wa state

[@williamjohnson1668]

Go for an FHA loan if you do not have good credit or a conventional loan if you do not have good credit. If you have good credit, you can refinance you how down to a minimal level - as low as $350.00 per month. Employment? The federal law behind employment is Wrongful Termination; Refusal to commit an illegal act, discrimination between race, sex, and in some states - sexual orientation (such as being heterosexual with a family).

[@Joesixfour]

It becomes very obvious that the caller is either brand new or absolutely not paying attention when they include their credit score in the call, nobody cares what your credit score is here!

[@Maddie-lv5sg]

Do a trust, I did and it was worth the peace of mind to protect our assets from future spouses of my children. Our homes are in trust and they are paid off. If the kids live there and the spouse leaves, the spouse can not take one dime of the property. That is how I arranged it, and my eldest child is the executor because my youngest is disabled. That protects both my kids from the inlaws taking everything.

[@ELevenhagen]

Na. They can just change the trust when you die.

[@PrincessLolly1]

@@ELevenhagen yep, plus why control your kids from the grave? Let them make their own successes and mistakes in life.

[@richhustle2024]

I. Am subscribed.❤

[@shannonzittlow8462]

I thought Dave was a car guy Bowling Green, Kentucky is home of the Corvette🏁

[@BriannieSaved]

Im old enough because I got the muppet reference 😂😂😂😂

[@shanrjify]

You can give someone a 'life estate' in the property so it will go to her current husband until he dies, then it will go to her kid.

[@brickafide]

Looking forward to Dave potentially featuring my email!

[@loribrooks7964]

I want to know more about the teacher…being able to gift so much to his kiddos. I’m a teacher and wonder how?

[@PrincessLolly1]

Maybe he or his spouse got an inheritance.

[@ngauyoujin1163]

George is still very impressed by Charles' queen sized bed... bet he's gonna get one for his daughter 🤣

[@SiobanGuilfoyle]

25k would get a family of 4 a 2 week holiday in Thailand and 10 implants at the best private dental hospital in Bangkok. Dental tourism. Well worth exploring.

[@kayjay7865]

30:10 that doesn’t align with leaving money to future generations

[@Moneymike29]

I don’t understand his real estate advice. There are billionaires that do real estate and they financed a lot when they were starting out.

[@pabloaguilar6342]

1:35:00 Dave trying to keep Californians from going to Tennessee lol

[@SuzanneU]

Not a Christian attitude - he should read the teachings of Jesus.

[@lizzytwinmom8351]

We’re also in the OC and felt no sympathy. You can still live a good life here. Just sounded to me like someone who didn’t want to be accountable for their debt and circumvent the baby steps without looking at their behavior. 🤷‍♀️

[@PrincessLolly1]

TN may have done beautiful areas but I wouldn’t want my grandkids to go through the public school system.

[@Razdasoldier]

Why use gross example: Walmart lets you move up to 100% of your income into stock. People use it to control tax flow. So they would have 1 spouse take pay, and the other spend it all on tax-free stock purchase so they could limit taxes each year. Saying you ger a $60 take home on 50k a year is just not accurate

[@donnadagostino7717]

Dental insurance? Even our dentist offers dental insurance for $350 a year. It won't cover 100% of the work, but it might take the edge off.

[@Trustbutverify2651]

Sure will. Insurance just paid 50% of some very expensive bridge work I had done and saved me $3,700!

[@melaniea4901]

My step mom made a new trust after my Dad passed and left my brother and me out of it. It was revocable so there was nothing I could do.

[@pamsmith1665]

How does that happen? Your dad didn't have a will?

[@brucefredrickson9677]

Your Dad had a lousy lawyer. That's too bad he re-married a selfish greedy woman.

[@melaniea4901]

@@pamsmith1665 everything was in the Trust. 25% to each kid (the 2 of us and her 2 kids) if anything were to happen to both at the same time. If one dies first, the surviving spouse (her) would be left everything and then passed to the kids when she dies. She changed it because it wasn’t irrevocable to exclude me and my brother. She remarried about 18 months after my Dad passed and sent me a wedding invitation on Father’s Day. Just to give you an idea of what kind of person she is.

[@PrincessLolly1]

Even an IRREVOCABLE trust can be dissolved. Each state has its own trust laws. Happened to me and my sibs just like it happened to you.

[@bigrich3717]

Sounds like the guy whose about to sell his home to pay his new wife's home off will get screwed cuz your paying her home for her son to receive. There's No way I'd go for that. Going in all of our assets get split evenly between the kids or no go! Unless one misbehaves to get removed

[@tomiasthexder7673]

“I have no debt”….” Except my (insert debt here)”…why do people say they have no debt and then explain the debt they have?

[@Trustbutverify2651]

Because they don't think of it as debt - they think of it as lifestyle or necessities (like car loans are necessities for working.)

[@monicatschickardt1105]

My mother just said this stupidity

[@Trustbutverify2651]

Really, people who have such a solid financial situation have to call into the Ramsey show asking how much they can spend? I think they could figure that out from another source besides a show that is really geared to helping people with lower incomes and financial problems.

[@BeeDee-qs9so]

I call it the “Attaboy Syndrome,” which is an opportunity to receive a pat on the back while humblebragging. I am sorry to be so cynical because there’s nothing wrong with needing or asking for validation….but yeah 😂

[@zachjones2346]

@@BeeDee-qs9so Partly, but the vast majority of the people listening have no clue who these people are. I would bet that people who listen to people they know probably don't even know who they are. Although the caller's perception could be exactly what you said. lol

[@BeeDee-qs9so]

⁠​⁠@@zachjones2346 This is true…but the other thing is, who else are they going to tell? They’re not likely to go to their next family gathering and say “Oh Hey folks, I just want to remind you that both Susie and I are making 200,000 a year each with many more financial increases to come; are completely debt-free, and feel very torn as to how many different ways we could spend it. Aside from that, how are you guys?”🤔🤓

[@TurnersTreasures]

Thank you I basically commented the same thing.

[@sarahjoyabejar1748]

I googled "young dave ramsey". Just curious. I love the show so much that my husband's had enough.

[@bethiebooboochi]

lol same! I listen to it all the time on speaker - he’s over it haha

[@Jackman66666666]

Dave looks like the type of guy who wears a lot of Cologne

[@jeannettemollenhoff721]

And smells good too

[@PrincessLolly1]

Such BS to use a “smart vester pro” who PAYS to be on the Ramsey referral gravy train to start a 529. They’ll needlessly charge you for their services. A 529 can be set up online in less than 10 minutes. I’ve had them for years for all 3 of my kids. DON’T PAY some “goob” to do this for you. “It’s not rocket science.” The quotes are Dave’s common words.

[@PCKA1987]

I’m gonna have to push back on the new stepmom situation. And maybe I’m totally off base. I’ve seen where a kid is raised in a single parent home, mom is struggling to make ends meet and can’t be as present with that child, just trying to keep a roof over their head. Then the father goes off and lives the single life, making money hand over fist, and the mom struggles to get child support from him for years on end. That kid grew up without a dad and a stressed out mom, while he gets married several times to women who just wanted his money. He basically squandered his wealth on other women. I don’t think that’s moral. I don’t think it’s right. That child and their children, should be the moral responsibility. A good man leaves an inheritance to his children’s children.

[@Trustbutverify2651]

Every woman CHOOSES the man with whom she makes a child. Women need to stop choosing losers and then using their single-womanhood as a reason for everything else and blaming men. Character is always evident - take a good hard look at the person and his or her reactions in all situations and then realize THAT is what you will get. Don't get married to someone and hope to change that person - and, for heaven's sake, don't make children with a loser! A fun romp in the hay can end up costing hundreds of thousands of dollars and enough misery to go around. The kids are the ones who suffer.

[@PCKA1987]

@@Trustbutverify2651 I don’t disagree. Though the situation I observed wasnt a one night stand. It was almost a decade of marriage. I can understand if that kid who’s now grown, thinks it’s immoral for that father to have essentially squandered his retirement and wealth on women rather than leaving anything to that child and grandchildren.

[@Trustbutverify2651]

@@PCKA1987 No one owes anything to their children. OTOH, no parent should expect a child to support him or her. Each person earns his or her own money and if parents want to spend all their money on themselves, well it's THEIR money to do with what they want to. But their children's memories of them might suffer.

[@teh1uck]

Let’s not forget when mikes crew threatened to kill someone at the Arnold.

[@AnothyLongman2]

My expectation for 2024 is that markets starts to broaden out more, with the rates cut i have a couple of questions....can I safely invest $220k in the markets? What should I do differently?

[@katiesmith8025]

Get and stay debt free.

[@puthyx]

I've heard Dave quote the bible saying "A good man leaves his children's children an inheritance" yet he goes off on this random tangent about how he doesn't care what his kids get, he'd take care of a "new wife". I have a feeling this is his true feelings, not the biblical quotes he throws around.

[@ginacardarella]

There are a lot of American dentists in Mexico that speak. English And work for a lot less make a probably gonna vacation and all new teeth for when to fifty thousand.😮😅

[@fabiankilimani]

Thank you so much for this video but in these uncertain times it is more important than ever to have a solid understanding manage your investment also your finances, invest wisely and navigate economic downturns. But my primary concern is how to grow my reserve of $240k which has been sitting duck since forever with zero to no gains, sure I'm all in on the long term game, but with my savings are lying waste to inflation and my portfolio losing gains everyday, I need a remedy.

[@MsValiG]

People have no idea of reality of trying to buy a house when you have to rely not only on credit scores, but the banks want you to have a loaded ratio, 2 years in the same job and that means no car payments no student loans no credit cards. I make 100K by myself, and all my credit cards and Loans are in good standing and doesn't make any difference until I pay all my debt off. And I talked to the underwriter face-to-face

[@Fishouta]

What is a loaded ratio?

[@MsValiG]

oops, I was talking to my phone ...I mean debt to income ratio @@Fishouta

[@arsonshop5484]

@@Fishoutadebt to income ratio

[@brucefredrickson9677]

It's sounds like you like debt...where is all your money going, to the bank or cc company?

[@essbenita]

People should have free health care.

[@monicatschickardt1105]

Don’t California my Florida

[@PrincessLolly1]

I agree, but in the US the people who can afford quality healthcare get it. Some folks think if you can’t afford it you don’t deserve it. It’s called the Prosperity Doctrine which is totally against Jesus’ teachings. 😢

[@NoSaboBoysVelazquezx3]

❤️‍🔥❤️‍🔥❤️‍🔥

[@2sumu]

27:90

[@SinskariBoi3366three]

I wonder does multi millionaire people watch the Ramsey show 🤔