Your Financial Destiny is Determined By YOU and ONLY YOU!

[@shannoneg2000]

I was an NFL (speech and debate) nerd too back in my school days, too! I loved it, and it did so much to help me speak more confidently and in front of an audience. Since I basically talk and persuade for a living, it was a huge blessing for me in preparation for my future.

[@mlovespring7892]

Well...Papa Dave, your sense of humor is amazing. She's a nurse! Nurses making great money. 👍 I am a sigle mom with two kids. My stupidity put my family at risk of just making it. Took a huge pay cut thinking it will save my sanity with less stress. Nothing is more stressful than not having enough money to support your family. I have a "never again" moment. And Pray for a second chance! ❤🙏🙏🙏

[@dylanappenfeldt2442]

Congratulations Heather and Dad from Connecticut, I really cried happily for you both! Excellent Story of Success!

[@Lucy-rh5uh]

Thanks for watching’,, endeavor to write as soon for more enlightenment or tips W

[@JohnTusch]

Thank you for the encouragement and the kind words! All we can do is fix our mistakes and learn from 'em. Here's mine, and I hope it inspires someone else who got into a mess.

[@andrewcoleman8026]

Enjoyed the show today! I would love to hear another “Dave reads mean tweets” segment!

[@Colombianminx]

Back in the early 90’s my mother’s friend found a pill inside of her baby’s Gerber food jar that was sealed upon opening and she went to Gerber’s headquarters and threatened to sue with her lawyer. Gerber then gave her a HUGE amount of hush money. News outlets were hesitant to release the story because Gerber had a reputation of keeping media companies “quiet.” After knowing this, I’ve never been able to look at Gerber the same especially with countess other open lawsuits occurring that did make it to the media. I also can’t help but wonder the purpose of what that little pill was. I honestly still think about it. At first I wondered if it were a hoax but Gerber was so fast at shelling out money once the proof was presented. Her and her child are taken care of for life. Also I did find other stories like hers years later online.

[@EmilyLucille523]

Barbara as a fellow nurse, you are my hero!!! 🤩

[@pozloadescobar]

Parents, listen to AO here. Debate is a SUPER high-value afterschool activity for your kids if they're interested in how the world works. Changed my life. Makes ANYONE a better presenter and sophisticated consumer of information.

[@theinevitableend9412]

I used Ken Coleman’s resume builder and it got me great results. Thanks

[@Pandorash8]

I loved public speaking and debating. And if I had a dollar for every time my report had the comment, “talks too much in class,” I’d... have a LOT of dollars haha.

[@parisa9resident456]

Anthony flat out insulted this man at 1:46, "date a man better than your father." This man was brave enough to expose his failings and fight to change his life. It was a cringe worthy moment. These traits are EXACTLY what the daughter should look for. I think it's Anthony that needs a "quick lesson" and if he needs, I can explain it to him later.

[@alycewich4472]

@Parisa9 Resident - Anthony didn't mean to insult Heather's dad, but as a parent, I would want my kids to marry better than me! Yes, he has grown immensely over this past "Never again!" moment. However, Anthony was talking about the previous man who kept going into debt and going bankrupt. And, yes, the wording could have been better.

[@parisa9resident456]

​@@alycewich4472It was Dave that saved the moment by adding the prior man comment. Thank heavens because the look on the father's face says he wasn't quite getting the sentiment either. I'm a fan of the show, I don't think any of them are mean-spirited intentionally. But...gah...what a blunder.

[@Lucy-rh5uh]

Thanks for watching’,, endeavor to write as soon for more enlightenment or tips W

[@JohnTusch]

It's all good - I know what he meant when he said it, and I've said as much to my daughter. Yes, I absolutely hope my daughter marries up. She can (and WILL) do better!

[@dylanappenfeldt2442]

I been crying happy tears for the first hour Dave! Thank You Again!

[@Lucy-rh5uh]

Thanks for watching’,, endeavor to write as soon for more enlightenment or tips W

[@davitodd9299]

I put a child rider on my term life policy that is $6 a month for all 3 of my kids. We decided that in our grief, we didn't want to worry about funeral expenses on top of a bad situation.

[@rosiebaker4250]

Thank you Ramsey.for your channelings love to watch yoyr as how thank you bless you more amen

[@wonder-womyn]

Pay cash for second homes? Who the heck even has money for a first home??

[@Keyshaa09]

Yay!!! I missed watching you to together 🥰 amazing team

[@Lucy-rh5uh]

Thanks for watching’,, endeavor to write as soon for more enlightenment or tips W

[@Silveryback]

Excellent livestream today! Thanks! Are there any handy promo codes that are currently active to assist with the cost of beginning the program and purchasing a few key books... Thanks either way, these shows have been so eye-opening and I appreciate all the work you and your team do. I just stumbled upon your livestream today and, after listening in, I have vowed to not end this day without ordering (and actively beginning) this program. I've been procrastinating since June 2020, and after the livestream I realize how unacceptable of an approach that is.

[@Pandorash8]

There’s currently a free trial for Ramsey+ which includes Financial Peace University.

[@Silveryback]

@@Pandorash8 thanks!!

[@insideoutsideupsidedown2218]

Check out the total money makeover from the library.

[@toby7291]

Watch a month or less of this show and you will know what to do. Google “Dave Ramsey Baby Steps”.

[@Steph_andthebulldogs]

looking for a book for an college graduate who just got their first "adult" job, any recommendations?

[@rosiebaker4250]

The cant give any money if not in the Votex no not.right i am sorry amen

[@grantnichols2722]

Does anyone know the song that plays at the 30.05 mark?

[@austinhenry4382]

Backwards by Staffan Carlen

[@pridencube9458]

Hello Ramsey Solutions, do you have Investor Pros in Canada ?

[@toby7291]

Barbra you better consult a tax professional. You will probably have to send the government the taxes when you take that large of a lump sum distribution or quarterly payments. I know from experience if you owe more than $1000 when you file your taxes there are penalties you will have to pay on top of the tax. Those penalties could be pretty substantial on that much money. The IRS wants their money now.

[@kylecornelius1115]

AO needs to backdown on the "Yes man" routine when he's on with Dave. I prefer a co-host that challenges the host instead of saying, "yes... right.... I'm with you".

[@DietBajaBlast]

that's because he doesn't have any independent thoughts other that what dave has taught him.

[@norvenaadams9195]

Yesss!!! He’s so annoying omg!

[@cynthiaallcorn1407]

Shout out to CTE!!!!

[@Lucy-rh5uh]

Thanks for watching’,, endeavor to write as soon for more enlightenment or tips W

[@nappiral]

What awful advice on cashing out the 401k house pay off all at once. That will probably incur a 30% tax meaning she has to liquidate $260,000 just to get $179,000 all at once from a 401k. Not to mention she was probably making 10% growth on that money to pay off a house that costs 4% or less interest.

[@steveluken3180]

It's not the math, it's the piece of mind. Also, you're forgetting risk. In the short term that % growth assumption doesn't work.

[@marthaannrichardson]

Who the heck finances an house for 110%, WHO?

[@JohnTusch]

That would be...me. Whelp...that's one of the reasons I ended up in that mess. And that's why I did the program. I hope your life's blunders aren't nearly as big as mine. Thanks for watching, though!

[@JohnMikaelian]

57:20 I wouldn't recommend paying off her student loans without giving her the opportunity to earn a living and attacking it as a team.

[@Lucy-rh5uh]

Thanks for watching’,, endeavor to write as soon for more enlightenment or tips W