You Only Change Your Life When You've Said "I've Had It!"

The Ramsey Show (June 27, 2022)
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[@lampi5115]

I paid my last mortgage payment this morning so I’m officially debt free! P. S. It feels Great!!

[@fourdayhomestead2839]

Congratulations🎈

[@MARLEN446]

yay you!!! that's awesome!!!

[@MARLEN446]

Hope you call in! just to celebrate 🥳

[@mascareno2004]

Go to your back yard ...the grass feels different according to uncle dave

[@persidetatienou9884]

Yay Congratulations 🎉🎉

[@MsMaxinejoy]

Getting out of debt, is an automatic raise. At least it feels like it.

[@amandaengastra1496]

Almost done paying off debt…fractured my ankle…looking at $6,000 to $8,000 ordeal including ER and surgery 😞. Feeling down right now, please send prayers! 🙏

[@JeepTJ00]

I take it you have a high deductible health care plan... best of luck on your recovery!

[@asafry2873]

Sorry you are dealing with that, it stinks. Don't give up, snowball that debt and attack it with a vengeance.

[@nancyharvey5329]

This is just a hic up. Keep focused. You'll get there!

[@sophia4christ]

I pray for your speedy recovery in Jesus' Name. Keep going! Don't give up! Never give up!

[@KyleePicc]

You are equipped with the tools to tackle it!!! If anyone is able to get through this financial situation, it is you.

[@SJhikes]

Anthony and Larisha and their kids are inspirational! Great self reflection and then acting on it! well done

[@writeme6155]

*Thanks for watching please endeavor to message right away the digit above I will love to hear your thoughts on it and for more enquiry🔝🔝🔝.*

[@shiressemorgan4795]

Come through Anthony and Larisha!! I'm on BS 4 and 6 now and my goal is to be done in 5 years, before I'm 50. You inspired me to try to get it to 4!! Awesome job! Congrats 👏🏾 💪🏾

[@writeme6155]

*Thanks for watching please endeavor to message right away the digit above I will love to hear your thoughts on it and for more enquiry🔝🔝🔝*

[@sharonhalk8679]

I wish I had listened to Dave when my kids were little. I saw hime once or twice and had myself convinced that it would hurt my children to put money aside because I was always struggling and juggling, working long hours and barely making it. I convinced myself that it wasn’t something a single parent could do but it is more important for single parents and people in poverty to learn… to create a budget & learn how to end the cycle and mindset of poverty.

[@jenniferleigh1674]

Paid my car off the other day! Thanks to your steps, Dave! I have some credit cards to work on now but grateful for your steps.

[@disco4535]

Are the cc debts gone?

[@wickedbird1538]

When I got a divorce decades ago, we had equity in our house. We sold it, paid off ALL joint debt and each walked away debt free and a bit of cash. It worked out for Both of us.

[@pamsmith1665]

Except for your marriage vows

[@wickedbird1538]

@@pamsmith1665 that’s true but it wasn’t my choice and It broke my heart. However, My 2nd husband and I have been married over 30 years.

[@zachdewitt1455]

Don't go to the car dealer. Dave's right you don't get a deal at a dealership you definitely pay double.

[@mmp495]

Phil and Mary's story filled my heart❤ Congratulations to them. 🤗

[@pamdanner3274]

Standing in my kitchen all teary-eyed!

[@Beliefacy]

"if you advance in something you hate, you're gonna hate it more" I learned this first hand in various no skill jobs. Although I learned some valuable skills; this lesson was painfully learned.

[@myoldvhstapes]

It's time for another whole show of people calling in with their "I'VE HAD IT!!!" moments.

[@allimarieRISING]

Pure gold ✨️

[@coreywhitacre6581]

Way to go Phil and Mary, you guys rock!!

[@MrAllie-bf6zt]

Dave, you should have asked the guy what he did for a living. He had 1.3 million in the bank, 275k in stocks with a $350k income and house paid off.

[@Hueyn42]

Let's get these likes up. Incredible content that is practical and as we see achievable too

[@terrymclain4656]

Thank you Dave I've listened to you and I've finally paid my last payment on my Mortgage and what do you kno a house I paid 330000 for is worth 780000 and my Roth holds a lil over 400k and I got 500k liquid I just don't kno what to do with the liquid smh

[@writeme6155]

*Thanks for watching please endeavor to message right away the digit above I will love to hear your thoughts on it and for more enquiry🔝🔝🔝*

[@elway423]

Yay for the Moorestown NJ couple!! Grew up close to there

[@theadvocate3006]

Caller at 1:24:08 needs to check the will if she hasn't already. How did this uncle become the sole owner of the properties if her father had a stake in the property at the time he died. Something seems off with that. Her father's portion should have been distributed to her and her siblings unless his (or his father's) will indicated otherwise.

[@BeastMacin11]

Please list the places that are paying $20-30 to stock shelves

[@bfitbsane4364]

Amazon

[@MARLEN446]

Target

[@MARLEN446]

Aldi At least here in Houston, I see the advertisements to apply

[@fhuber7507]

Dave's local grocery store... It will vary some with where you live, but EVERYWHERE should have raised wages by now due to the effective labor shortage due to people just not going back to work. There are a lot who just decided not to go back to work yet and they won't go back until they are essentially forced to by running out the government handouts.

[@DB-gr7zb]

No place is paying that much. Wages are not going up. I work in hiring.

[@bettedavis9261]

No, Dave, not every industry is paying more now. School districts, utility companies, think any industry at the mercy of the taxpayer funding salaries, those jobs haven't had an increase. Private sector jobs, yes.

[@kiethmergard]

That was his actual argument, I think. He just tends to word things really badly and make hyperbolic statements that are flat-out wrong. Even if on their face, they seem true.

[@reaccionapuertorico]

2:00:45 if you’re 18 and have three years of work experience (could be as simple as doing part-time in fast food) and have a clean record you could apply to be a Correctional Officer like this lady is with the Bureau of Prisons. You get a pension after 20 years of service and their version (TSP) of s 401k.

[@fhuber7507]

They can do military without the work experience... get the 50% of base pay pension at 20 years, have opportunity to pile a lot of cash into mutual funds / 401K / etc. Come out with a skill and proof of ability to perform. And not have to deal with watching prisoners every workday.

[@reaccionapuertorico]

@@fhuber7507 that is another option, and they go to BOP and get a double pension plus whatever disability they can get from the VA. They could also do Guard/Reserves and work full time for BOP, CBP etc

[@jesseparker2656]

“Until one is committed, there is hesitancy, the chance to draw back, always ineffectiveness. Concerning all acts of initiative (and creation), there is one elementary truth, the ignorance of which kills countless ideas and splendid plans: that the moment one definitely commits oneself, then Providence moves too. All sorts of things occur to help one that would never otherwise have occurred. A whole stream of events issues from the decision, raising in one's favour all manner of unforeseen incidents and meetings and material assistance, which no man could have dreamt would have come his way. I have learned a deep respect for one of Goethe's couplets: Whatever you can do, or dream you can, begin it. Boldness has genius, power, and magic in it!” ― William Hutchison Murray A little different from Ken's quote, but still good advice!

[@bbizzle82]

wow that dude was making over 200k a year and only a net worth of 220k that's terrible and wants to buy 2 new subarus!

[@DorothyM45]

The woman helping her recently divorced friend, I don’t think she will advise her friend to sell the house.

[@lorimendoza4721]

I illogically had my fingers in a dam that continued to leak too. Don't. Kids do much better when you are not stressed every minute of the day

[@MsMaxinejoy]

Fried bologna is not a red- neck thing. It's a "lower class" thing. We used to fry the bologna, watching it rise.....

[@IratherservetheLord]

Right! He seems to be pushing the narrative that all of us were poor. Just because white people are suddenly experiencing hard times doesn’t mean that they haven’t had it easy at least at some point. Lord have mercy!

[@IratherservetheLord]

Meaning let’s not act like some debt is NOT just dumb debt while some debt is poor debt. Let’s face it black people have always been at a disadvantage or have had to work harder and twice as hard for a much lower income.

[@IratherservetheLord]

Facts!

[@ostrichsauce5454]

@@IratherservetheLord you’re not a victim, you’re not oppressed, grow up, clean your room.

[@MsMaxinejoy]

@@IratherservetheLord Debt is debt. There is no good debt, nor bad debt. There is no poor debt nor debt debt. Debt is debt. Now for the bologna, that is a CLASS thing, NOT a race thing. You think Black folks are the only ones that eat fried bologna?? I know some Black folks doing better than White Americans. Don't be fooled.

[@dianem4188]

Marsha, equipment is hard to find right now and prices are up. I work for a heavy equipment company.

[@Charlay_Charlay]

Go Anthony and Larisha!!!!!!

[@writeme6155]

*Thanks for watching please endeavor to message right away the digit above I will love to hear your thoughts on it and for more enquiry🔝🔝🔝.*

[@lorimendoza4721]

Um exactly right about the State. The pay is pathetic

[@babydollkincaid4584]

The hourly raises haven't gone up where I live the average is 16 hrs, and this is in a big major. Urban city raises aren't keeping up with inflation for the poor person making under 30,000 annually.

[@frederickruderman2997]

We always know a generous person is doing the generosity for the right reasons when they tell the whole world about who they helped. That’s in a bible by the way , as well as pure common sense 🙂

[@writeme6155]

*Thanks for watching please endeavor to message right away the digit above I will love to hear your thoughts on it and for more enquiry🔝🔝🔝.*

[@fhuber7507]

44:10 This guy needs to find a new roommate.

[@jordangarrick703]

No!!....Do not fix the stinking Subaru with a leaky head gasket. And, no, Subarus with 100k are not "just getting warmed up." Point in fact, they are getting ready for a new motor. They all blow at 150k. Get rid of the darn thing.....And the dealers "sweet deal" ain't sweet at all. He sells you two vehicles that he knows will run through your service department multiple times. He's not doing you any favors - and trust me, car dealers NEVER feel bad for their customers. They don't care about anything but selling you a car and getting you to write multiple future checks to their service department.

[@fhuber7507]

Depends on the year and engine in the Subaru... and how you care for it.. They don't all blow the head gasket at 150K Let the radiator hoses rot out and blow and you blew the head gasket. That's appx 7 years. Replace the hose at 5 to 6 years and you prevent that. Most predictable major failures are due to failing to prevent a minor failure. But once you blew the head gasket... the engine needs a rebuild.

[@DB-gr7zb]

My last three went 363,000, 257,000 and the current one is over 150,000.

[@xdeathknight72x]

$20-$30 to put bread on shelves . . . oh stop being hyperbolic

[@donaldlyons17]

Those pay rates might be for expensive states!!!

[@Carsrpain]

16:48 - WRONG. A Subaru with 100k miles is definitely not “just getting warmed up” Ken leave the car talk to the car guys lol. A Subaru at 100k miles has about 20k miles left on the head gasket and isn’t worth the gum on the bottom of my shoe. Not all Japanese brands are reliable y’all.

[@fourdayhomestead2839]

David in Boise Idaho needs to grow a pair & she needs to grow up or stop wasting his time (& money). .

[@michaelboyce3871]

No you can't drive a car with a leaking head gasket. Dave should stop talking about stuff he doesn't know about

[@chrisdawson3859]

The young lady who wants her trust fund money said "she and her boyfriend". Sounds like boyfriend wants the $ too. I am not a betting person but if I were I would bet on that money not going to the emergency fund..😉

[@DB-gr7zb]

Nobody is paying grocery workers $20 to $30 an hour.

[@babydollkincaid4584]

Not in my area and I'm in the big city.

[@babydollkincaid4584]

True not in my area and I'm in a big urban touristy city

[@user-ws1qg1cg9m]

Meat cutters were making $20 an hour in 1966!

[@kiethmergard]

Like I always said. Until your why makes you cry, the sacrifice will. Debt is literally killing the dreams of so many people, but they think they are stuck. They know they need to do something, but they can't see through all the media and nonsensical lies about "good debt" and how "debt is just a tool". Here's the truth of the matter. Our society places a premium on looking great and has this weird YOLO culture. They think "I can't take it with me, so I'm just going to spend it." Then they end up with 30 grand or even 100 grand in consumer debt. Dumb and astronomically stupid. Here's what the current culture doesn't seem to understand. What you wear doesn't matter. It's just cloth and thread. What matters is WHO YOU ARE. If you are a hard worker and kind person, you will be that way regardless of your clothes. There are billionaires who wear t-shirt and jeans. Wouldn't wear a suit unless you paid them enough money. Yet they are some of the most genuine and skilled people you could ever meet. I also know some real jerks who wear Armani suits and don't have two nickels to their name. Simply trying to keep up with the Joneses Here's the point. You have to decide. Only you can decide who you want to be and the life you want. If you want to be a world class swimmer, associate with world class swimmers. Do what they do. I have chosen to live like no one else, so later on, I can live and give like truly no one else. Now go be what you want. God Bless.

[@2dodger2]

The daughter wants the trust because she and her boyfriend need an emergency fund???? Why can’t the daughter work to make a $1000 emergency fund? The daughter is lying.

[@twattgurll]

Its a Subaru- has very bad resale value... dont buy.

[@twattgurll]

The Irvine debt-free folks were boringggggg. Sorry.

[@jmac2757]

sun Diego is meannnnnn. Sorry.

[@myoldvhstapes]

I watch the debt-free segments at 1.75 speed because they fill the entire 8-minute slot with small talk.

[@amanirosefoundation]

@@myoldvhstapes I skip them...redundant

[@thirdintegra]

You always have a list of complaints about this show. What are you doing here? None needs your negativity........

[@bettedavis9261]

@@myoldvhstapes I fast forward through until the end. My disabled son loves the actual "scream" part. The rest is just too boring.