You CAN Get Out Of Any Financial Mess You've Created

The Ramsey Show (July 25, 2023)
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[@patrickbrussels4454]

Finance and Business books have been so helpful. I’m 55 and my wife 50 we are both retired with over $3 million in net worth and no debts. Currently living smart and frugal with our money. No longer putting blames on FED for our misfortunes. Saving and investing lifestyle in the stock market made it possible for us this early, even till now we earn weekly.

[@jessicasquire]

You have done great for yourselves. I understand the fact that tomorrow isn't promised to anyone, but investing today is a hard thing to do for me now because I have no idea of how and where to invest in. I would be happy if you could advise me based on how you went about yours, as I am ready to go the passive income path.

[@Lemariecooper]

That is so amazing, I’m trying to get onto the housing ladder at 40. I wish at 55 I will be testifying to similar success

[@jessicasquire]

Thanks so much I was able to find her page and I already leave her a message.

[@Erikkurilla01]

The quickest way to make your first millions is to invest directly with an expert that is trustworthy and has made a name and individual billionaires, I'm surprised you know her too . Stephanie is Good!

[@longlivedkingemmett8829]

You could have kept this to yourself just a bunch of boasting what was the purpose?

[@patriciam.909]

Good flow between Jade and Dave. She has a no nonsense, yet soft delivery that complements Dave's personality.

[@bernadofelix]

Building wealth from nothing involves consistent saving, disciplined spending, and strategic investments. Begin by creating a budget to track expenses and identify areas for savings. Prioritize paying off high-interest debt and establishing an emergency fund. As you build a foundation, start investing in low-cost options like index funds, and focus on continuous learning and improving your skills for better income opportunities.

[@Derawhitney]

Impressive insights! For beginners like me, managing and staying updated can be overwhelming. Are you an experienced investor or do you have a strategic approach for staying informed?

[@nicolasbenson009]

Due to my demanding job, I lack the time to thoroughly assess my investments and analyze individual stocks. Consequently, for the past seven years, I have enlisted the services of a fiduciary who actively manages my portfolio to adapt to the current market conditions. This strategy has allowed me to navigate the financial landscape successfully, making informed decisions on when to buy and sell. Perhaps you should consider a similar approach.

[@SandraDave.]

That's quite remarkable! I'm genuinely interested in benefiting from the guidance of such experienced advisors, especially considering the current state of my struggling portfolio. May I know the name of the advisor who has been assisting you in navigating these financial challenges?

[@nicolasbenson009]

Well, there are a few out there who know what they are doing. I tried a few in the past years, but I’ve been with Margaret Johnson Arndt for the last five years or so, and her returns have been pretty much amazing.

[@MostRandomIsh]

Hello, yes I am a human too, the advisor you've recommended seems very trustworthy! Thank you for the insight fellow human being

[@helloharry1418]

Love this show, ramsey changed my life, after 4 years im on babystep 6. 4-6 years left on house. God bless

[@CoachEgg]

114k of debt scattered around cards, cars, and student loans. Step one done, and 2k paid into the debt. Ramsey software says I’ll be done in about a year!

[@jaijai1132]

Go the distance!

[@EmiliaEnglerth]

Engaging in an individual option is fair but its performance level can’t generate high dividends. Diversification is the secret to optimal performance, that’s why I have my interest set on options based on projected growth and performance.

[@TonyaDepaola]

To create high dividends, it’s wrong to engage in a single option rather than diversify into various options with high performance coupled with the aid of a Pro will generate higher dividends

[@user-rt9eu1fj3f]

Do not lay your eggs in one basket.” I engage on various options with the aid of my pro, *JENNY PAMOGAS CANAYA* and so far have acquired so-much

[@NilsaWilkerson]

I just searched *JENNY PAMOGAS CANAYA* out of curiosity, her profound dexterity looks too ideal for everyone on board!

[@KatrinUriegas]

I just searched *JENNY PAMOGAS CANAYA* out of curiosity, her profound dexterity looks too ideal for everyone on board!

[@LynGrengs]

I am amazed by this, it has rekindled the fire of my goal

[@josephbanks9897]

Jade is a smart cookie and a great addition to this show.

[@thedriza297]

Shes just ok

[@keena20071987]

Yes, Jade is amazing. Love her.

[@martinmi5]

Double Chocolate 🍫 cookie

[@stemikger]

Wow. I went back to the 1970s. We used to call our significant our Old Lady. I loved it. Thanks for bringing me back dude. A real throw back. Believe it or not, that was a term of endearment.

[@Hankandrex]

Jade and Dave have a chemistry made in heaven

[@user-gu3ou9ds7p]

I agree . They balance each other out .

[@kylecollins6835]

I also like Ken Coleman hosting with George or Rachel

[@myoldvhstapes]

I began watching back when Chris Hogan was a regular. Half of the entertainment came from listening to the callers, but the fun and joy came from watching the chemistry between Dave and Chris. They would often have each other in stitches, Chris setting off Dave in laughter so uncontrollable that he'd be trying to catch his breath and control himself for the next call.

[@Trustbutverify2651]

@@kylecollins6835 I like George the best as a co-host as he keeps the others on track - not so much talk and more time for questions and specific answers. I don't like the two women together as they do a lot of talking and don't get to too many questions.

[@calebmelton5989]

​@@Trustbutverify2651the talking is best part. We already know the answers to questions.

[@jjfarm9562]

This lady is such a good co host with Dave/ Love listening to her and dave

[@JFlower7]

Jade and Dave---my favorite combo for the show. Haha--all four of my kids would love to own their childhood home mainly because it sits in the middle of an alfalfa field and has a year round creek running through it.

[@alexencinas8975]

The SBA call was important for me, I just listened to Codie Sanchez about how great SBA purchases are for wealth building. I'm glad I got the other side of the risk involved.

[@Freshprankstv1]

Yeah taking a massive loan and knowing nothing about biz. Pretty dmb

[@dylanappenfeldt2442]

On the positive side I have been debt free completely for 25 years when you were only on the radio for 2 hours before Hannity and I thank you for keeping me in touch with my sanity! Thank You Dave for your thinking and kindness! Love from Florida! Dylan

[@blaquopaque]

After a decade of not managing my finances properly and I’m left battling the effects at this point. I aim to make the best start to the new year as i would turn 40 with about $300k from a house sale, what is my safest bet to make this capital grow?

[@Curbalnk]

its not late to consider financial planning, never can tell what the future holds

[@velayuthman]

Money advice is subjective, what works for you may not work for me, but it's always better to plan. I'm quite lucky exposed to personal finance at an early age, started job 19, bought first home 28, got laid-off work 36 amid covid-outbreak, and at once I consulted an advisor to handle growing my finance. As of today, I'm only 25% short of my $1m goal after subsequent investments.

[@colleen.odegaard]

@@velayuthman bravo! i'm 40, inherited money from a childless relative and traveled overseas, got married to a man almost my age, but the only issue is how to preserve and grow my wealth in this shaky economy, can your advisor be of help please?

[@velayuthman]

Definitely, i have ''Monica Selena Park'' and she deserves credit as one of the finest financial planners who decides what assets i acquire whilst skillfully diversifying my portfolio. Her reputation precedes her, and I highly recommend her on a public post, you should look her up to locate her online if you are internet-savvy

[@kashkat987]

Thanks for sharing this. I curiously searched for her full name and her website came up top search. I looked through her credentials and did my due diligence before contacting her. Once again many thanks

[@tubenachos]

I love ❤️ Dave he cuts the bs on these callers with a ginzu knife 🔪 😂😂😂

[@shelbylynnyork]

I get so pumped with it's a Dave and Jade day

[@southerncali88]

33:25 love this. Your family comes before anything. This isn’t a financial decision.

[@RyanTruongChannel]

Thank you Jade and Dave for your advices!!

[@candecarro]

Re: The serviceman who’s not sure about renting or selling his house. I would keep it and rent it out. As long as you accept that there will be normal wear and tear, have a good-size deposit, no pets, no smoking. If you stayed in it you would be putting wear and tear. Keep it, get great renters and move back in. A different house- a condo we bought in 2006, in Florida in fact, at the height of the market. We bought it for a later retirement. In 2018 we moved in after renting it out for 12 years, we did renovations and it’s still our perfect house! You love the community and the house. Keep the house and rent it out while you’re away. Good luck.

[@mikesmalls8751]

Yeah I was thinking the same thing.

[@julieo330]

I know I am replying to an old comment, but you don't always know what you are going to get for tenants. I rented a house to two lawyers. They always paid their rent and were pleasant. But in a no pet house they had a guinea pig they used to let out of the cage and a puppy. The brand new carpeting was trashed. When they moved out, I kept their security deposit and then got an ugly threatening letter from them on his law firm letterhead. They said I had a mold problem and if I don't give them back their security deposit, they were going to make it known and since I was planning on selling the house, I would have to disclose that. I don't know in what conversation we ever had that they thought I wouldn't disclose that if I knew of it. I had the property tested and there was no mold. My husband was ready to cave and just give them their money. I had a lawyer friend write them a letter, not on letterhead, calling out their tactics and threatening to report them to the Bar Association. I never heard from them again. They were great tenants on paper and just thugs, bullies and liars in reality.

[@lauraeklund1672]

Love these two together. Great show, Jade!

[@Ayobussa]

These two are the best combination

[@mmp495]

I never felt or thought “essential workers” were non essential. They pretty much make the wheels turn in this world. Did you ever see “A day without a Mexican” ? True stuff. Love this duo. ❤

[@Rio100Chaves]

I’m subscribing to the baby steps for sure. I HAD IT

[@Trustbutverify2651]

The show has improved this year from last. I stopped listening last year because the advice was always the same, regardless of the situation. Get a cheaper car, pay off your debt, follow the baby steps. Now they are giving more personalized advice depending on the situation, like they used to do in the earlier years and so I listen to the taped shows most evenings (which I like because I can fast forward through the questions that I find less interesting.) I do use the Every Dollar free app and really like it, although I use it more for tracking than assigning every dollar. But I've always been very mindful of spending and don't over spend or go into debt.

[@Inakamo]

Because we have always the same issues . Like me we work too many hours but still we owe 24k. It so sad that everyday we are tired but a tiny results. This we want to pay off wverytjing

[@JustinR316]

1:43:33 thanks for the great conversation Dave! 👍🤗

[@carilendrum9794]

After Dave, Jade is my favorite. Her brains and personality are just perfect for the job.

[@user-pz8ii6ce4k]

“Beware, we love you so much we are gonna tell you the truth.” -> YES!! This is why we love and appreciate you DAVE!! We’ve learned so much from you and your team and have changed our family trees 🌳 🌳

[@truckersosa3281]

I love watching jade and Dave it like they reading each other mind ❤

[@toriAllisonP]

In 3 years a lot can change… People move Church’s change pastors, congregants and programs/ministries Neighborhoods change Schools change AND YOU/YOUR FAMILY WILL CHANGE! But also… you haven’t even given the next place a chance yet 🤷🏽‍♀️

[@bettedavis9261]

48:12 I think Dave is being naive here thinking this dad isn't a bad guy. The daughter calling in said she's been paying these costs and taking care of her siblings for SIX YEARS. The dad should have been doing that all along. Don't try to convince me he's merely "forgetful." He's a wretched human being who's been passing off his parental responsibility onto his child for six years. I wouldn't classify him as a good, or even okay, guy.

[@RMMomma4Eva]

The sister is a doormat. The dad needs to step up AND the 17 year old can also get an after school part time job.

[@jcszot]

Mia in Massachusetts. If her autistic son is now a 21-year-old adult he is entitled to SSD benefits on a monthly basis. So that will help her moving forward so she can provide for his needs because that will never end.

[@kimberleyfleming6739]

Love the Ramsey show it's my fiancial therapy. Tried to download the everydollar app, but it's not available in Australia, such a shame.

[@misaw9501]

Aussie may have NerdWallet. Same thing but free.

[@rena_vations]

Im a flagger and some weeks I don't work some weeks I work half weeks. I have to budget and save for those weeks Im not working otherwise I'm hurting on the next week after I haven't worked. Thanks to Dave Ramsey and a lot of the budgeting community I'm finally breathing and debt payoff seems doable 🥰

[@thedriza297]

Lol a flagger....

[@lilibethvilella]

Love jades laugh 😊❤

[@aliciasmith9768]

She is so fake. I've been skipping the episodes with her because she is fake and a prima donna.

[@Moonbeams_SweetDreams]

Jade and Dave are my favorites!

[@mikesmalls8751]

For the military couple. Simple thing to do is rent the house out to another military family. He mentioned he got a good rate on the home. Rent the house out make some money and if you decide to come back to the home make some small renovations and call ot a day.

[@marceliam5275]

Dear Dave and Team, I’m so grateful for your content. It’s been a process for my husband and i to pay our debts off for many years, but recently we’ve decided to be frugal and buckle down to clear it by end of 2024. You are very helpful and motivating. Thank you!

[@aathorpo]

That last call 😂 I've never heard Dave say "slow down" as much as he did there

[@dlogs9778]

❤ like a good man would.

[@dylanappenfeldt2442]

Kayla and Jordan thank You 🙏 I am so very happy In happy tears for you two!!!

[@user-ox5rf6fu3u]

Jade is the best, seriously!

[@mmp495]

1:08 100% what Kayla said! She nailed it! Congratulations to you both. 💞💞💞

[@striperkid]

I purchased my retirement home 5 years before I retired. Best decision ever !!!

[@dylanappenfeldt2442]

“Cost of paper kicked my Butt”. Great line Dave thank You 🙏

[@PeterJames143]

You guys have excellent musicians. Nice theme music, nice elevator music, good show theme and strategy. I like how you are comfortable with your own personality, not trying to be an old-timey radio show like Kiyosaki seems to be doing. Not trying to be Joe Rogan. Not trying to be a TV show. 2 hours is a little long but I guess I can't complain. Wish you hired some nice person to go through and respond and heart comments, but no biggie i guess.

[@akamarista]

Love this combo!!!!

[@LyonsArcade]

That "Old Lady" thing is meant like, "it's not a new lady it's my old lady" as in it's a serious relationship but Dave knows that already :)

[@mazzgoldie9149]

Love the bit at the end where dave said you can do it the way I do it or the way my friend Robert kiyosaki does it and get up to debt right up to your eye balls. Each one thinks the other is nuts lol

[@cherylsorensen7204]

Congrats Kayla & Geordan! Mt. Vernon is near where I grew up!! So proud of you.

[@adriennesavenue]

Well the principle and interest is locked in, but the taxes and insurance on a house will drive the payment up as they go up. Your mortgage will definitely change over the years.

[@gracecase998]

Budget timing is the toughest part. I plan which paycheck pays which bills. It is hard if not being paid weekly. You have to carry over money to cover an off paycheck week. I do a look a whole year out to make sure I keep enough aside for quarterly, or annual items. It takes a few months to practice to get it right.

[@brookelondon8029]

That sounds like it works for you and that's great. What I have done is make a list of all my bills in the order in which they arrive every month. I have one printed out for every month and I am a month ahead. All my bills for August are paid with the money that I make in July and all the money that comes in August pays my September bills. There are several bills that only come several times a year so I have some money set aside each month for those. So when the first bill comes, or comes out of my checking account automatically, I mark that down or write out the check and the date that it's due and then I mail it. To get started, I had to get a month ahead by saving up for quite a few months till that happened. That was a long time ago. One of the things that helped me with was a few times I didn't receive a bill and I knew one was expected and so I called the company and sure enough it had been lost in the mail. I think Dave's app is probably similar to this. He talks about a yellow legal pad in the old days. I did that until I got a fancier one, lol. I also have a budget amount for donations and household supplies, some fun money and food. Whatever I spend at the grocery store gets marked down as does all those other items and I know how much I have left in my budget for the rest of the month. I use my debit card for everything. Are used to use the envelope system but I didn't feel comfortable carrying cash around. I only keep about $25 in my wallet for emergencies.

[@olabisiolatunji8448]

6:41

[@olabisiolatunji8448]

​@@brookelondon8029aq

[@USMC6976]

I must have married a very unique woman. Not only was it her idea to go to the courthouse and get married, she bought the single gold wedding bands we wear. I don't think we spent $500 getting married. That was 30 years ago. Cash flow planning includes when the cash flows in and out.

[@thedriza297]

Usually the heavy chicks got a head on their shoulders.

[@ellarweegadsden8483]

What you omitted is that many businesses have made more in the last 5 years than they ever have since the 08's. Many businesses raised prices even though they were already making lots more. What's a person to do to live on $10/hr? Our homeless population has increased astronomically but they shouldn't expect higher pay to keep costs down. Don't forget prices were increasing before the pay raises. If there were no quarantine what was it that should have been done? We lost about 1 million Americans, but they should not have expected to make more money? I don't understand that.

[@lesleyatcofo]

I totally do the $1000 slush. It helps so much!

[@DoeintheThicket]

You don’t get to start your “transitional period” until you have completed raising your child. Coasting or whatever Dave is calling it when a young woman has already lost her mom is just the height of selfishnesses. This should be a phase of his life where he doubles down on his commitment to setting up his last child for success as a young adult, not quiet quitting being a dad. Give me a break.

[@jcszot]

Anne in Albany, New York, needs to call social services!

[@samdoherty168]

You don't tell your employees how much they make and your employees don't tell you how much they make. The market tells both of you the cost of a given serves. If the market value of a pet groomer went up, you cant just say "I'm not gonna pay that!" I think the pervious owner knew the cost of labor was about to go up and got out while he had the chance.

[@ThePolypam]

Exactly. There's a reason he sold the business and it's rarely the reason they're giving the buyer.

[@southerncali88]

45:00 call CPS on this dad!

[@ms.ladysanders3939]

Did you call yet?

[@Nigriff]

Debt counselor telling lady with $150k income to declare bankruptcy with only $47k of debt and a $900/month mortgage??? 😒 🤔

[@ses-ei7oc]

Right?! Horrible advice.

[@jjkatz]

I know that’s nuts. Debt counselor has no idea what they’re talking about.

[@InspirationLed]

I have a co-worker that every payday tells me how glad they are it’s pay day, BUT the money is already gone. I’ve mentioned your show and principals to them more than once, but they do the want to hear it and blame the economy. I understand inflation etc, but there is so much this person and their spouse could do to change their life entirely. I felt like they want me to chime in about how poor I also am, but I’m putting money in the bank now and and not “rich”, but I’m changing things bit by bit and refuse to play the victim game (trust me I could have things to point to, but why wallow?) I can’t afford to waste energy pretending I’m hard done by even if there are hard things going on, all we can do is look in the mirror and decide we CAN do something about it and work at seeing our situation from another POV. I hope they start watching your videos at the very least and stop acting like this is just “how it is”.

[@rossta3949]

When you live in Texas you have to pay property taxes and if you live in a condo you have to pay the HOA, so the payments never end.

[@rubygt2055]

Is there a state that doesn’t charge property taxes?

[@jjkatz]

@@rubygt2055no but Texas has very high property taxes

[@bettedavis9261]

​@@jjkatzso do a lot of other states.

[@isidorolopez265]

Amen. To. That. Brother. Speak. The. Truth

[@thedriza297]

Most places in America run the same way. Duh

[@Avi8tor857]

Pet grooming is one of those things on the easy to start up side gig/companies. Which means you can make good money doing it but also means you will always have new competitors.

[@unitedstatesdale]

Disagree , Proper vetting of tenants is 99% of eliminating potential issues. I've had the same 11 tenants for 16 years. With ZERO ISSUES

[@stephaniehall8179]

Poor Sebastian from Los Angeles, Jade n Dave talked all over him, never did hear his question 😂 1:40:14

[@Trustbutverify2651]

Unfortunately, that happens relatively often on this show.

[@jjkatz]

I know , they didn’t even let him ask his question

[@stephaniehall8179]

This would be a great SNL skit🤣🤣

[@DevHazy]

Dave- yes yes yes. Give her the tiny vacation and add the courthouse 🎉🎉🎉🎉 so good! I got married for $300 in Vegas and we are 10 years now ❤❤

[@elizabethprocida3695]

You can also call the creditor and change the pay date to match your paychecks

[@JohnJacobSchmidtt]

I know a lot of spouses that don't combine money, I think some of it is also a mindset they don't want the spouse to know where they spend their money

[@cantuig]

Dave Ramsey for US President 2024 🇺🇸

[@thedriza297]

Stop it would ya

[@sarahburggraf907]

Wyatt was a whole vibe

[@ankebenkert]

Love you guys, but inflation is not just caused by people asking for higher wages. Money circulation increases through FED money creation in combination with banking system money creation has been the main driver this time around. That is why I love your no debt teaching.

[@stephk.c.2674]

1st show and my mind is blown🤯

[@Help_me_understand]

Renting is better than letting it sit empty. I only say that because of squatters.

[@jamiehiatt7158]

You don't have to get married just to pay off debt ,you can take your money and pay off debt now , you don't have to bring marriage into it yet ,do that when your ready .

[@leaagol8034]

we have rented out our house many times - it is no big deal - just rent the house - you will love coming back to it - and then you can do some updates

[@is0sceles]

56:06 Oops, Ramsey dropped a B-bomb in here!

[@Trustbutverify2651]

He's got a potty mouth at times - reason I stopped listening for a while.

[@jackfox5738]

Of course you can get out of any financial situation you put yourself in. Take a trip down south maybe as far as Costa rica, start asking around and you'll get hooked up with some people that you can buy a new identity, travel back up to the United States and boom you're good to go

[@thedancingveganatheist6310]

Funny Idea: Does Dave Ramsey actually live in a Pods storage unit? Kidding. Love you, Dave!

[@richardle7469]

He probably owns it. Lol.

[@haileclark9712]

An improvement I would love to see to the every dollar app (and maybe I just haven’t found it yet) is being able to say how much will be saved at each paycheck. So if you are salary, you get the same amount at each paycheck. But you may not save the same amount at each paycheck. So if you save you are going to save money 2 days that money, it divides the amount equally. So it will show you running out of money. Am I overlooking a feature?

[@alexandrajuliette6899]

The future belongs to those who believe in the beauty of their dreams. Success is a state of mind. I think I'm blessed because if not I wouldn't have met someone who is as spectacular as Expert Mrs Lucy Mary Liam.

[@emilymccord7063]

I'm glad I was introduced to forex trading and got the best teacher and mentor who helped me understand the financial market I'm grateful to Mrs Liam🙏

[@peteraaron6714]

It's a miracle and I would testify, 110k bucks. every 4 weeks! I now have a big mansion and can now afford anything and also support God's work and the church.

[@reynaldo2447]

Quite encourage seeing Mrs Liam Lucy Mary been talked about here, I started off with 2000 Bucks...now with good returns . highly recommended..

[@Westonmckennie943]

I have made more than 90K USD God bless Lucy Mary Liam God bless United Kingdom 🇬🇧

[@joeclinton552]

Thanks for continuing updates I'd rather trade the stock market as it's more profitable. I make an average of $34,500 per week even though I barely trade myself

[@bettedavis9261]

I really like how Dave, Rachel and George don't seem to sit in judgement with the callers/emailers. Their answers don't sound condescending or like they're wagging their fingers while giving an answer. And yes, I know Rachel and George aren't on the show today.😘

[@kellymackie4836]

Half butt always cracks me up 😂

[@strqueen123]

I feel awful but the way Dave breathes really drives me up the wall

[@dianewest9154]

We forget that a lot of people lost their lives due to covid, I am sure some were service industry employees.

[@ThorMaximus]

And we forget the actual overall death rate never changed with Covid. It was BS & with a minor amount of critical thinking, you’ll recognize that fact.

[@sharonoddlyenough]

Over a million lost to Covid in the US, I bet most were customer service and front line Healthcare workers.

[@jma81]

It’s not “Happy Wife/ Happy Life”, it’s “Temporarily Happy Wife/ Occasional Bouts of Breathing Room”.

[@Intentionaltia]

Lmao 😂😂😂 Dave telling that caller that his leadership sucks and he needs to fire everyone. Damn. At least he was honest! It’s the brutal capitalist for me!

[@ms.ladysanders3939]

Where's the lie?

[@dianewest9154]

The 17 year old maybe receiving social security benefits, good question to ask dad.

[@candaceford2917]

The man is right as far as groomers go. I own a grooming salon. We bring in hardly anything because groomers are not suppose to be hourly. The thing is they will leave and it is so HARD to find groomers. Even at 50% commission I cannot find them. I have one other groomer besides myself. It is a hard business because there is barely any profit. We are in a groomer shortage and most can work from home in their garage why work for you? Kind of thing

[@kellymulligan2157]

Paid once a month, pension. I pay everything the day I get paid then sigh of relief. Paycheck planning...do ir the minute you get paid or take half and put it in savings until u use it.

[@jtcr4199]

When I got married, you need 2 witness signatures and we only had her dad, we had a courthouse bailiff be the other signature. According to the marriage lady, it's a very common thing to use the courthouse cops.

[@Kulintronica]

29:19 light dispersed fills a room light focused becomes a laser

[@Trustbutverify2651]

I'm not sure where Dave gets the idea that if you have no charges on a credit card, the credit score goes to zero. I have a zero balance on all my credit cards except the one I use that particular day for a specific reason and my credit score on all my accounts is almost 850, even on the cards I haven't used in years. I check my balance on any credit card I use immediately and I treat it like a debit card. I do not wait until the end of the month to pay. A charge usually posts within a day these days and I pay that off immediately so within two days any charge is paid up. That way I never forget what I have charged. And I don't think the points are worthless. I use those points to redeem for gift cards for all the occasions that are outside our regular budget. Have never paid a cent of interest. Have never paid a fee. I travel a lot and have no idea how he buys airline tickets and rents a car without using a credit card. I suspect he uses a credit card - just tells other people not to. I also do not agree with the conversation today about putting so much emphasis on saving for a child's college. These days certifications and practical degrees are not the places students get themselves in financial trouble and those can be cash flowed. Fewer than 50% of American students finish a four-year college in less than 6 years. There are many ways to pay for college besides scholarships such as going to a school that accepts CLEP credits by examination (with free prep at Modern States), and choosing a college with a co-op program, in addition to more well-known ways such as starting at a community college. What I do agree with him about is paying off your house as soon as you can. With no debt and a paid for house, you can live on very little income if there comes a time when you have to (loss of job, etc.) without drawing down an emergency fund.

[@miloseveggies8064]

If all lines of credit are CLOSED you will soon have a zero credit score. Dave's not talking to you, he's talking to America, who collectively has close to 1 trillion dollars in credit card debt.

[@Trustbutverify2651]

@@miloseveggies8064 So my question is the same. HOW does one rent a car or pay for an airline ticket without a credit card? Not every business takes a debit card these days and debit cards are not nearly as secure as credit cards. Personally, I'm very glad for a high FICO score because it results in reduced costs on many other budget items like car insurance, etc. But thanks for the feedback!

[@miloseveggies8064]

@@Trustbutverify2651 Debit cards are fraud protected. We've paid for everything with debit, so not sure why you are running into so many problems. What companies refused your debit?

[@DevHazy]

My childhood home stands in redondo beach and if my mortgage was 1609 there, I would move in in a heartbeat LOL. But I would need 2 extra jobs for cost of living

[@PunchyFireBird069]

I have a totally different mind set on spending my money now

[@calebmelton5989]

Mcdonalds has been paying 14 bucks per hour in my area for 3 years. The cost of thier product has not substantially increased.

[@kristentrohkimoinen]

Mcdonalds here in AZ has gotten soooo expensive. Not even worth eating there anymore

[@warlong34]

That's because church is a business, just like a big box store or small mom and pop store

[@coreviaflynn594]

Dr. Rice does know what she is talking about.

[@javinhigashi8512]

Jade was off guard at the intro 😂 , she does great

[@candecarro]

Brandon says they have irregular monthly income. It’s inconsistent. More challenging to budget.

[@ruthirwin8222]

Is knowing the date something comes out is a new concept i nearly know mine off by heart

[@Hamptino]

When was being unionized a bad thing?

[@matthewdeanl5884]

Uncle dave ramsey got churchhill's sponor money lol *yes i share the show uncle dave !!!