You Can’t Win With Money if You Keep Ignoring the Real Problem | December 17, 2024

[@foreign_agent]

I came for financial literacy, I stayed for comic relief😂😁

[@NaturalWifeyandMamaBear]

Always 😂 Dave’s a hoot!!

[@TulsaDude]

You nailed it lol

[@Pondapple]

When I loaned money for major house repairs to my close family member, I wrote up a loan agreement, charged a small amount of interest, used an amortization table, had it signed by that person and notarized.Gave that person a copy. A check was sent to me every month as agreed and after it was fully paid off I mailed a statement to that person saying it was fully paid off. That was years ago. I have kept those papers in a file in case I develop serious memory problems (I'm a senior citizen.) All of this was done in a very good spirit between us.

[@bluebelle9572]

There’s a right way and a wrong way. 😅 Someone loaned me money to fix my car and every time i had a certain amount saved up i put it in an envelope. 10 envelopes and I was done.

[@FancyRPGCanada]

Yup, I do the exact same thing with my best friend who “rents” a room in my house. Technically he lives with our family, we call him uncle to our kid, but the rental agreement makes it clear how much he contributes to the house

[@gamersetherealjourney]

caller 1 - 00:40 caller 2 - 10:50 caller 3 - 17:50 caller 4 - 22:50 caller 5 - 44:00 caller 6 - 1:05:10 caller 7 - 1:18:50

[@promiseguy02]

Thank you!

[@kevinomalley1521]

Gods work

[@awlovesaw8502]

Thank you

[@abbasjoy4785]

I hope Dave never retires. I have gained😁 wisdom in every area of my life.

[@lisalotta81]

My best duo, Dave & John. Always unfiltered and always guaranteed a laugh with them.

[@LivefreeLoz]

Hit 240k today. Appreciate you for all the knowledge and nuggets you had thrown my way over the last months. Started with 24k in September 2024..

[@HollyGarwell]

I would really love to know how much work you did put in to get to this stage

[@LivefreeLoz]

I will be forever thankful to you, you changed my life I will continue to speak on your behalf for the world to hear that you saved me from huge financial debt with just a little trade, thank you Jihan Wu you're such a life saver

[@RichardArthurBaker]

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

[@RobertAlbrecht-c5d]

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

[@GregFunnell-q9f]

I'm favoured, 90K every week! I can now give back to the locals in my communities and also support God's work and the church. God bless America,, thank you Mr Jihan Wu😊🎉

[@paulamartin9507]

Dave😂😂😂😂 get an apartment, you don’t keep mama and baby in a camper! The way i just hollered! This is why i love him. Practical, real!

[@nathaliebasile6168]

Regarding the call from South Africa. I understand Dr John’s solution to remedy the relationship. Yet, what was forgotten is that even after asking for the loan, the family asked for more money from that couple . And the mom going around and trashing them. I would move away from my family at this point. This is a mega boundary problem. The parents should be so proud that their son is doing so well. You are not bad people at all. I believe in healthy boundaries between family members. I would grieve my relationship with my parents. I would not close the door but the likelihood that they will come around your level of integrity is low at this time. Money can be very detrimental. I just want you to know that you are not bad people at all. ❤

[@anniethomas451]

A retired neighbor told me she goes to her son and DIL’s house almost every day to tidy up while they are at work. I didn’t really comment except to say WoW that’s amazing. She then said if she didn’t it would fall upon her son to do it. I’m so glad I’m not the only one who finds this weird.

[@actuallyterry]

That is so weird. Some moms need to let their sons grow up.

[@anniethomas451]

@@actuallyterry Yes, and the son is like 50ish.

[@happinessngubo7388]

It’s so wonderful to be debt free as of 15th December 2024. Feels so amazing after My hubby and I have been struggling with debt for 11 years. Getting in and out of it. However this time we certainly learnt a lot from Dave Ramsey podcast. Baby step 3 here we come🎉🎉🎉

[@Oglulubell]

My mom did this to my brother and SIL. They spoke to her about it many times. I finally had to step in. Next time I saw my mother I explained how intrusive she was being. She started to laugh and I said keep laughing your way into a no contact situation. She finally stopped.

[@mezzem3909]

A lot of the callers sound like they come from the usa. I came here as a poor immigrant now citizen. Worked my butt off by living frugal and saving. I learned English. Went to university. And walked into a $125k job. Along the way I studied basic finance and investments. I now have a net worth of 2 million. I also do not have school debt. Because I worked to pay rent and tuition. I have been in the usa 20 years.

[@barbie3139]

Good for you. So happy for you. The American dream is alive and well. I was born in the USA and have a similar story of hard work and determination paying off.😊 May God bless you

[@elyshawelch5444]

Them dishing it out on George had me wheezing 😂😂😂😂😂😂

[@lesg5270]

Honestly if i had 11 mil, i wouldn't worry a parent over 100k.

[@republicunited2183]

Same thought here.

[@bluebelle9572]

I agree

[@abejr2513]

I understand their pissed about the situation. But come on, there net worth is 11 mil!!!

[@TWLogik]

Yep. But they would never get another dime from me. They knew from the beg. they had no plans on paying it. Also don't cosign anything for them.

[@TulsaDude]

Yeah, they're just butthurt. Get over it.

[@carloscardona9255]

Dave saying he wouldn't mind living in a camper while living in a 10 million dollar house is wild

[@True_Cut]

He said, "If I were you"

[@TulsaDude]

You clearly didn't understand Carlos

[@TulsaDude]

Bro with $100,000 debt, YOU CAN DO THIS. Set realistic goals, follow Dave's plan. Watch the debt free screams from past episodes. It may take 3 years realiatically. But 3 years of sacrifice for a life of freedom is worth it. I did it and I'm almost there and it feels great.

[@TulsaDude]

By February I'll be debt free minus mortgage, but from there it will be so easy, I'm not even worried anymore

[@Kate.8668]

My marriage ended in divorce when my husband chose duck hunting over his 10 month daughter in the hospital. Hunting can be a problem. It’s not really a joking matter. I decided I can be alone on my own and take care of my daughter myself.

[@joannc6990]

You're damned right

[@beefandchicken]

What a dweeb. Hope you are doing well. ❤️

[@robbiejohnson6986]

Wow, my soon to be ex wouldn't take me to the hospital.

[@kandykitten10]

I'm so sorry for the breakdown of your marriage Kate, *however* ... I feel that you definitely made the right decision. I absolutely get it, as I made a similar one (not hunting but another sport & you're right, it's no joking matter) & I raised my son 💯% alone. I don't regret my decision, despite no support from his father whatsoever. NONE!! (He never made any effort to see or even contact his son 🥲 & never gave us a single penny!) At times it wasn't easy, at times it was a struggle but ohhh, it was SUCH a joy, & my (now grown) son & I are extremely close to this day. You can do this!! YES! YES! YES! You can do this Kate! ❤️ Go girls!! I wish you & your daughter much love, luck & laughter & a bright & happy future. ❤

[@YouMissedBro]

You married a real keeper didn't ya. The kind of dude to blow off his family for hunting showed signs way before you took his name

[@billdiehl8463]

Yikes. 34 years old, pregnant Girlfriend, living in a Camper. Grow up buddy. 2k a month is nothing. My 16 year old almost makes that part time lol. Get two jobs as Dave advised.

[@ZirboFilip]

If it would mean to give 1% of my net worth to learn from a huge mistake and get my good sleep back, I wouldn't even flinch.

[@TulsaDude]

Ding ding

[@rnarzu]

On first call I love Dave's second advice

[@IreneBeans-zq4dj]

Love watching The Ramsey Show!

[@Dylanchris8048]

At 55, I'm from southeastern Ohio but have worked internationally for most of my career. With $500,000 in savings, I'm ready to retire, although I'm worried about the rising inflation. Is this enough to retire well, or should I seek professional money management?

[@gergmohsen9472]

It's always nice to connect with a fellow Buckeye! Your retirement comfort will largely depend on the lifestyle you plan to live.

[@gergmohsen9472]

I'd recommend money management just to be safe. You're only 55, and with the average life expectancy in the U.S. around 77.5 years, but many living into their 80s, that $500k needs to last you for a long time, including any unexpected expenses. It's a solid start though-well done!

[@Watersbill89]

I've been lucky to get an early start in personal finance. I began working at 19 and bought my first house at 28. When I was laid off at 36, right after the COVID outbreak, I immediately hired an advisor with determination to help me stay afloat. Today, my portfolio is up over 300%, worth $836k. Keep the motivation strong, friends!

[@Dylanchris8048]

That's huge! Your advisor must be excellent. Could you share more about your approach? I'm in urgent need of help with asset allocation.

[@Watersbill89]

I've partnered with Tracy Britt Cool Consulting as my CFA, and all the info you need is available online. Although some may feel like their goals are out of reach this year, I'm convinced it's still possible to reach six figures if you stay focused. I was initially reluctant to have someone else manage my finances, but I'm glad I made that choice.

[@naomiemoore5725]

The first one, is disturbing. First, when loaning essentially for the family, a CONTRACT. Never loan money that you can compromise your financial security..

[@Karen-g6g6w]

You guys are so funny.and you really make a lot of sense!

[@patrickob1]

Also watching from Johannesburg South Africa.

[@actuallyterry]

I'm from Cape Town 🇿🇦

[@LASKANDUDE]

My dad died broke after living 82 years and was addicted to hunting despite earning a lot of money every month. Then his taxidermy was sold for pennies on the dollar.

[@shelleyirwin6104]

I hope that 34 year old young man takes FPU It’s life changing! 💰

[@ItsmeCote]

First caller, $11M SA Rand is worth $608K US dollars

[@misterrbojangles]

Good point!

[@patrickob1]

Maybe they already converted their Rands (local currency) to dollar for the purpose of the show.

[@notgivingmyemail3381]

So everyone doesn’t have to do the math… That would mean they loaned the parents just over 5,500 USD.

[@MrMustangrick]

Unknown if she was quoting US dollars or not……….

[@republicunited2183]

And selfish. If you’re very well off, help your parents!

[@stephanieflores5989]

We did the key thing at my sister’s wedding 24 years ago. It was so funny 😂

[@mariarooney6262]

I’m a mother in law and I babysit my grandchildren a couple of days a week. While I’m there I do dishes, toddler’s laundry, clean toilets, cook and other things. My son in law and daughter is very grateful for the help. I just happen to love helping and cleaning. I’ve done similar things for my son and daughter-in-law, but they live a little further away. I think it is different for a daughter-in-law, although she lives very close to her mother and father and they do many things for them. It doesn’t seem to bother my son. We are all very close, so it depends on each family dynamic. There might be more going on than we know about. I’m even very good friend’s with my son-in-law’s mother, which is very unusual. I’m grateful and they seem to be grateful for each other. ❤️

[@anikalawyer7027]

I don't think there's anything missing different dynamics..the caller's mother is doing this UNSOLICITED..She overstepped that boundary once she entered with her key after her son married. Your daughter and son in law welcome and need the assistance you're providing. You're not sneaking in the house without discussion

[@tystephens2267]

I’m sitting here playing grand theft auto 5 on PlayStation and I hear this intro song kick on in the game and immediately thought “wait that’s the Dave Ramsey intro isn’t it?!” So here I am 😂😂

[@TulsaDude]

Lol gave me a laugh, thanks

[@9rows]

please put the full show back on spotify. i don't need more apps on my phone.

[@scottsmith7474]

1:22:32 experienced clothing! Gold from Dave Ramsey.

[@robindiddle9288]

My husband won't get rid of his only credit card that has 8,000 to 10,000 dollars on it. He's driving me crazy with this mess. We are married but have different names, but the same bank accounts. I am debt free and looking to start investing as soon as i figure out how and what.

[@baileyforrester7]

I wanna know where John gets his deer processed!! That’s insanely cheap to get it processed. Our average fee here in Michigan is 100-125 now.

[@iretiayoadewale398]

The Mother inlaw part of this episode is my best best.

[@jasonjosephlee]

Raise your hand if you’ve been following Dave’s steps for months and still haven’t mastered the 'budgeting' part? 😂🙋 - All jokes aside, budgeting is hard but it's a must if you want to get to the next level - a lot of sacrifice on the way to the top.

[@flashthecorgi2053]

GREAT show today! Love the Dr. John and Dave duo. They complement* each other nicely! 😂❤

[@crazymouselady]

I agree, they had genuine fun. (In this context, it's "complement.")

[@flashthecorgi2053]

@@crazymouseladyah you’re right. Thank you!

[@bradperez3649]

I'm just saying.... Ken and Dave are my favorite two personalities. For on air quality and advice. I feel like I could totally understand the underlying issue with the caller. Like this comment!

[@crazymouselady]

Ken wasn't on today.

[@Zanzan8]

Ken not so sure he seems like not really interested in people's issue...I.prefer John

[@wildtowalltaxidermy]

38:15 this conversation has triggered me 😂😂

[@chelseysmithmillaaaaar]

Yayyyy Cape Town ❤

[@chelseysmithmillaaaaar]

Also Stacey verbal contracts are 100% enforceable here. Go see an attorney to recoup the debt.

[@chelseysmithmillaaaaar]

That is of course if you are okay with this ending your relationship with the in laws.

[@jimroscovius]

Never lend money to relatives!! NEVER!!

[@mezzem3909]

Every family is different as far as loaning money. I loaned a best friend thirty thousand For the down payment. Of a house. I wrote up a specific contract with interest. And the date to be repaid. It was a Six month alone. But she wanted to extend it out to another Six months. At the end of the loan I got The thirty thousand dollars back a plus all interest for that year. $32,000 back. A sign contract and notarized was done between us. The only reason I let her borrow the money is because I trust her And is a very dependable person. She now has 2 homes. Investments and has a net worth of 4 million😊

[@NaturalWifeyandMamaBear]

Teehee 🤭 we love George!!!!! 😁

[@Nightcap1207]

“Not the gun fire” 🤣🤣🤣

[@sarahbedgood6202]

Central Missouri I can confirm you'll pay $200 to process a deer.

[@WorldsGreatestRingAnnouncer]

33:39 - 42:42

[@alexreader7673]

I once knew a guy who called his band "Fire Exit" so every venue they played at they had free advertising

[@suebrunk2732]

You both are too much 😂😂

[@JenniferCline-j7r]

I love how they throw up a george ad right after they make fun of him and his gluten allergy lmao!!!! Yall are funny

[@sagmeister2234]

Did that kid say he’s 24 and having a midlife crisis? Lol.

[@ricko2301]

Right lmao

[@Galactus23]

You can feel like you're having a crisis at any age is he going thru tougher things compared to you or other people maybe not but that doesn't mean that what he is feeling doesn't matter instead of bashing we should try to teach and motivate so we can all become a better country and society just my opinion.

[@amireallythatgrumpy6508]

@@Galactus23 His comment totally flew over your head didn't it? You should have paid more attention to the midlife part than the crisis part. Hopefully for his sake he's got another couple of decades before he reaches midlife.

[@TulsaDude]

He just said "midlife" because that's what everyone says. It's still a crisis

[@estellec5340]

Well I do hope it's more of a quarter life crisis 😂

[@heidicoffman3762]

Ok but in some states you have to pay for tags before you go out regardless if you get anything, and that can be so expensive and end up being a waste. Really really have to be careful with saying hunting saves money because it’s so expensive.

[@williamPSea]

I was glad when they mentioned Marie from Everybody Loves Raymond, in regards to Abigail's call. When i was listening thay was the first thing i thought with the whoke scenario.

[@williamjohnson1668]

Again, in lawsuits, you just get your money back. However, they are long... drawn out... and the police investigate and approve them. Other than that when you demand money, the law is "extortion"

[@rosedewittbukater5763]

Dave seems to be feeling slightly savage today.

[@TheDigger1967]

Dave, you said gunfire on a Saturday in your neighborhood is very common. Is hickok45 one of your neighbors? He might be shooting more than on just Saturdays

[@hotoldlady4443]

Glad you mentioned Everybody Loves Raymond because that is exactly what I thought of.

[@OscarSchneegans]

55:10 If the husband is "a wuss" and "a child", then why'd she marry him? What does it say about her that she chose "a wuss" and "a child".

[@scottsmith7474]

Were those numbers in South African Rand ?

[@JelenaVeronika]

So what if people live in campers and cars.

[@zachsifferman5105]

I love john but his numbers are way off on processing and taxidermy are WAY off. I don't pay for processing or taxidermy but the butchers in my area start at 125 for basic and up from there and taxidermy is 495 and up.

[@moni-b1t4u]

100 bucks says ' your area ' isn't John's area

[@zachsifferman5105]

@moni-b1t4u 100 bucks says a professional butcher isn't doing a job for less than $100. And your right I live in rural Missouri not Nashville 🤣🤣🤣 I'm sure it's definitely cheaper in a major Metropolitan area.

[@moni-b1t4u]

@zachsifferman5105 Probably right about that 😁 I remember in my childhood my dad was an avid hunter. We loved the deer meat he brought home until one year it was so horrible, we wouldn't eat it because he went to a cheaper place. He was so mad at us but we refused; same as when he tried to make us eat squirrel. City children don't play that.

[@daledaniken4330]

Amen to that!

[@bluebelle9572]

There’s groups in our area and they will process the meat themselves. It’s like a whole weekend thing with about 20-30 people. Some can’t hunt, some can’t help dress, but there’s always enough helping to get it all done.

[@ThemommaBear195]

Unless it’s family land or something irreplaceable.

[@Bobbi-s2u]

Most men would be happy living in their cars. That's the truth.😂

[@Zee-zj2uh]

Why are most men so clueless?

[@isidorolopez265]

Sorry I’m not very picky like most women I’m not very picky at all as a matter fact I live in my car for almost 5 to 6 years and I’m doing fantastic. Finally got me a place but I was homeless and live in my car for almost 5 to 6 years no worries that don’t kill you make you strong. It’s all out of mindset and your attitude. God bless.

[@striperkid]

speak for yourself. My butt is living in a house.....a BIG house !!

[@Darthkeldean]

Question of the day! Guys sometimes yall act a fool for entertainment reason I respect that,but yall do need to ask a few questions also. Does the wife really know the true stories? My brother “bought” a house prior to marriage using my parents money via a loan. They had arrangements on how the yard must be kept house up kept inside because of bugs and rodents possibilities. He always told everyone he bought the house he told girlfriends and wife even though parents bought it and he paying them back very very slow. He always asked my mother to help out at the house because him and wife worked to much he asked before marriage and durning. So I wouldn’t assume without more info if the wife really even knows what’s going on in the house she moved into with husband. Maybe wife is overbearing and he don’t want drama with her so he makes his momma the bad person. My brother worked 60-70 a week always tired his wife worked 30-40 always exhausted to do housework lol so brother asked mother for help. Couple years into marriage it hit the fan when his wife confronted my parents about them blocking all their ideas for the house even though it’s her house with her husband. Parents laughed thought she was playing a joke until she got more made at thanksgiving of course. Brother and few of the other guys went out for some supplies Kmart if you remember them. She tried calling out my parents infront of 40 friends and family and she got embarrassed because my parents nicely stated they liked the upgrade ideas for the house but they are living beyond their means something my brother told her many times before but she didn’t care to listen. She kept calling it our house and parents corrected her that they own the house son making payments to buy the house but since they got together they haven’t made a full payment in years because her bad spending habits and her husband asked for help keeping the house clean because he was working to much and when he was home wife needed constant attention cause she was lonely since he worked to much but she was tired to much to clean working 30-40 hours a week. Yes brother was to blame because he didn’t want to cause drama either way so he caused it both ways. Marriage counselor said wife comes first and since she is in a depression not to confront her about issues until she is better. Not saying the commenter was in similar situation but not always one sided.

[@Mihogan]

33:50 the hunting comment is wild. The $200 is nothing - I paid $212 to my butcher this year but calculated I received about $820 worth of meat when compared to the equivalent amount in beef. I do my deer mounts myself though and just did my deer for under $25. The guy should learn to do his himself too. More rewarding anyhow! EDIT: unfortunately Jon is wrong on the price though. $212 is the cheapest butcher around here. All depends on where you live

[@jojoy8344]

Then it’s gonna be a Thsnk you that’s why never let a family borrow money

[@danielocampo543]

Correct me if I’m wrong but I think John relationship with Dave is more of a friend like relationship, and with George it’s more like a boos and employee relationship ?

[@clayton1379]

She's not far off with those numbers! The last time I got a deer processed it was $169 and that's what kicked off me processing all my own animals! $1,000 is decent for a taxidermy!!

[@lynncorbett5250]

If he wants to hunt but he does not have to mount it

[@ScottHenson-1435]

You were way too kind to the mooch that has been squandering his parent’s wealth. What a punk!

[@joannc6990]

I'm pretty sure I married Hope's husbands brother!

[@MetalGuitar06]

First call is a joke, my god.

[@naomiemoore5725]

Haven't paid less than $5 since 2020.

[@cr-rb4kj]

I don't know where John lives, but I'm in MT which is DEER COUNTRY and you ain't gettin' a deer processed for $75...

[@valhallastrikereptiles736]

Dave Ramsey always goes at the men majority of the time and is not hard on the woman generally! It bothers me that he doesn’t keep the same energy towards the woman and waters shit down a lot more He generally blames the man for the financial mistakes made by the caller

[@hdsensing]

Dave commenting about the sound of gunfire on a Saturday...LOL. Something tells me he has been known to fire a gun or two.

[@vanesslifeygo]

I don't think making hordes of keys to someone's apartment is a good practical joke :( what if someone keeps it

[@flashthecorgi2053]

They weren’t real keys to her apartment.

[@ricko2301]

You really that slow?

[@naomiemoore5725]

​@@ricko2301I think they do not understand the the concept.

[@NhlanganoChabalala]

South Africans, let's mark the register!!

[@MontgomerysMaddens]

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got talking about investment and money. I started investing with $120k and in the first 2 months , my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and gets more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.

[@SamsonsRhodesas]

I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second daughter. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks...

[@MontgomerysMaddens]

Quitting may not be the best approach if you ask me personally .When it comes to investment, diversification is key. That is why I have my interests set on key sectors based on performance and projected growth. They range from the EV sector, renewable energy, Tech and Health (AMD) alongside coins, and gold. I'm also working on an investment plan with my CFA that includes AI looking into Nvidia, MSFT, Alphabet stocks among others. I've been utilizing CATHERINE DIANE PELICAN advice for years and I've made over $1 000,000. I could leave you a lead if you need advice help...

[@SamsonsRhodesas]

@@MontgomerysMaddens Oh please I’d love that. Thanks!

[@MontgomerysMaddens]

*CATHERINE DIANE PELICAN*

[@MontgomerysMaddens]

LOOK HER UP ONLINE

[@suebrunk2732]

😂😂😂😂

[@williamjohnson1668]

Become a Pipe Engineer and make six figures.

[@williamjohnson1668]

Become a plumber and make $40,000.00 a year

[@williamjohnson1668]

They go through different types of schooling

[@moses245]

Can Deloney polony finish a sentence?