Start Planning For Your Future, Not Just The Weekend!
The Ramsey Show (March 21, 2023)
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All the personalities are great, but Jade plus Dave is pure gold
Nah i think dave a kamel are gold lol. But they all are great, but i guess being younger i can relate more to kamel.
Dave has changed my life. I paid off my student loan this week and turned my attention to the mortgage I have on a rental now! Love the Ramsey show and their principles. I listen everyday and it keeps me soooo motivated 🙏
Go girl! 👏
Congrats!! 🎉
Dave does not borrow money for rental properties. He does the debt free plan. You are Dave ish.
6 years ago I had 2 condo's, one I lived in and rented the other. I bought them 19 years ago with full mortgages. I sold the other one and with the net proceeds I paid off my condo. Got rid of 2 mortgages in a second. The effect was tremendous. I was debt free and just plain FREE. I invested the remaining cash. Now the condo I sold nearly doubled in value since selling it, but I have made about the same by having the remaining cash in some great stocks, without the potential liability and headaches. Break through from what holds you back. I did it late but didn't mention all the moves I did after 50. Less than 2 years ago I cashed in on a deal and became a millionaire. whoever says money doesn't buy happiness is a liar, at least in my case. Still driving my 2000 Honda Accord, still shopping at wal mart. What this did for me was about security. I never wanted and now want less, to have a fancy car and house and boat. I have security and enjoy my cheap living style even more. I have nothing to prove.
YOU changed your life, with God and Dave's wisdom.
We were out of debt long before I came across Dave but I still LOVE listening to him talk with callers.
Congratulations!
I love the dynamic of Dave and Jade! Great program!
Yes they are my new fav team.!!!
Yes and I can't wait for Jade to have her own show. I think she will be great
Ebony and Ivory ;)
It’s the Dave and Jade show now! I love it!
Jade has a great radio voice!
And a great TV face.
Agree on both, she is stunning,I glad she is on the team.
😏
I hope she grows into a bigger show
I paid off the money my in-laws lent us for building the house. It felt so good! I put the stack of cash on the side on their kitchen table and it didn't fall down. 😅
Been totally addicted to these shows and the Ramsey Show shorts for close to two weeks now. Ranging from recent to videos from five plus years ago and all seem 100% relevant. Funny how money better yet debt remains the constant. The most impactful statement for me has been “money is a responsibility”. This simple statement by Dave is the strongest thing that I have heard in over four decades on this rock we call earth. I have never looked at debt the way that I do now. I’ve heard of people doing a thirty day challenge with only listening to Christian music. I would challenge everyone to listen to the Ramsey Show for thirty days and then make a single statement saying where their mind is at. I have no clue how after just a handful of days with listening to Dave and company that you would ever look at money the same way. Thank you all for making this available for everyone. It is a blessing to finally hear these messages.
So true! I first heard of DR 25 years ago. I started following his plan 3 years ago. I’ve paid off my house and will have my rental paid in May. Forever I have changed my thinking with financiers, boundaries and relationships with others. I listen to him every morning when I workout. It’s changed me and my life. 🙏🏼🙏🏼🙏🏼
Dave and Jade are right. People who are comfy in debt will always be a slave to a debt master. I hear so many people tell me that they are debt free, yet they are paying on a car note! Being debt free means you owe no one nothing.
I love the Dave Ramsey Show. Great information on this program. I would give it five stars without question.
Hit the like button! This is free stuff!
He’s the best ❤
They love 5⭐️⭐️⭐️⭐️⭐️ ratings left on their website.
I just need to remember to take a break from listening at times. I start to get impatient and anxious otherwise. Lol
Aaaaaaaamen! Dave! Hubby & I are working on it! I’m tuning in every day just to here motivation from you guys!
I’m a health coach in nutrition,🍎 I’m loving the food trainer analogy ! I get people asking me all the time, how can I look like you,,, But they do NOT want to eat and prepare like I tell them😵💫🥴. Shifting this concept to my/ our finances
Same! That hit home for me. I am a changed woman.
1:58:01 this question hits close to home. Here, even a two bedroom townhouse goes for $300k. I my wife and I make well above median household income for the area, have no debt, and free health insurance. We are saving over 30% of our household net income towards a downpayment, but with current prices and interest rates, a 15 year mortgage just seems out of reach for any first time homebuyers without saving for 5 years, resulting in $75k to $150k to be paid in rent, just to get a downpayment high enough to bring a 15 year mortgage down to 25% take home pay. Could really use encouragement that it is still possible.
Dave, you’ve changed my life!
Love Jade! She and George are my favorite cohosts.
Good night, I love Jade! She gets right to the core of the question. She is an absolute breath of fresh air and absolutely needed. I am so thrilled when Dave is on the show as well!♥♥
Jade, Rachel, and George are perfect assets to the Ramsey team. They are all fantastic!
I love the passion and purpose… Dave and Jade are such a winning combination… so much TRUTH!
4:25 to 4:44 Dave....this is 2023...not the 90s..ok...a 1000 car DOESNT exist anymore. Good luck with that. You need to update your math memorization involving the cost of things. More like ..a 7 thousand dollar car and even then..that's hard to find sometimes.
yeah $1000 car needs motor or transmission 😂
Another great show Dave and Jade. Such helpful information! Thank you
Like this podcast. Jade is a pretty lady. Way to go Dave and Jade really enjoyed this program.
The SMART Conference was AMAZING!!! Thank you Dave!!! Platinum was FANTASTIC!
So grateful for the wisdom of Dave and his Team. They each bring their gifts of financial wisdom perspective and it is invaluable.
We love the Dave Ramsey show! Jade is very good, too. Very informative show!
Always 5 stars!! ⭐️⭐️⭐️⭐️⭐️ love this show!!!! Love, laughter, lessons.
That first caller is waiting on the government
That’s what my 1st thought was as well. He just didn’t wanna say so…
💀💀💀
Well he said he's a hustler....😂
The government is waiting on him
I'm happy I came across the Dave Ramsey Show. I'm learning so much with every show! Thanks for supplying your knowledge for everyone to use!
Love the Ramsey show I have learned much and still learning😊
About the caller with the renter problem. I feel for her as I am a renter for years and I am one of the few that treat the property as my own and landlords will always be treated with respect. Why wouldn’t her tenants call her back and deal with this? It’s because of these types of renters that make it hell for the rest of us who are decent .😮
Great show! Thank you very much Dave and his team!
Thank you for this wonderful financial widow 😀
Something I've wondered about is when Dave, Jade, George etc talk about working 6 jobs until your dead to rid yourself of debt - I don't think I've ever heard them mention if your working around the clock you dont have the time to spend money and get farther in debt, or at least you're too tired to spend any money - LOL. Just another positive take away for getting with it by working your hind end off to pay those student loans etc off.
That's the case with me. I work nights and the days just run one in to the next. Payday comes around really quick and I just keep slamming my debt.
@@thirdintegra Nice! Stay the course - you'll be there in no time!
I spend more when I overwork. But I’m new here so I will have these little guys on my shoulders guiding me next time.
Snowball works for me! You make your life easier by removing payments out of your budget. I would pay back family and friends first tough, regardless of the amounts because the banks will gladly charge you a fee to wait out. People may resent being owed money for too long
Been following Dave for a long time. I even do my budget with Every dollar. I live in CT Make 80k property taxes alone is almost 20% of my pay and a 108k mortgage 15y fixed 2.75 rate. And my house is way below average in not the best area on a .17 lot. 20-year-old car and no payments. With health insurance, if I follow Dave's plane to a tee I couldn't even afford beans and rice lmao
Should be no 1. This advice is life changing. Who is no 1. Bloody Joe Rogan I bet. That dip stick. Gosh a rollie 😂
Sadly, in Baltimore, most of the laws are not landlord friendly.
Thank you, Ramsey team,
Great show guys!! Lots of interesting topics on this one.
I couldnt imagine telling dave im a hustler🙄😂
Thanks!
I love the show! Is it possible we can do something about the amount of KZhead ads?! I hate trying to drive and skip ads every 5 mins!😂 all of a sudden the ads just keep popping up.
I Google "Dave Ramsey KZhead March 27, 2023." What comes up is the three hour show with very few commercials.
Get KZhead premium
I enjoy your show. I was wondering if you were planning a class or conference in Canada, Montreal or Toronto?
Could Rachel and Gearge do a segment on money hacks during their early days of Ramsey Solutions
Im debt free except rental property and was considering using my efund to get another. I really needad to hear this to remind me of the goal. Financial peace
Can you give me the name of the life insurance company again please. And can you please explain to me why you recommend short term vs long term ? Thank you.
Huh, usually these don't have ads from KZhead. This one seems to for some reason, new change? Anyways, love the show!
Yeah I see more ads lately..
My daughter and her husband used Turbo Tax for their taxes this year and she said they added a fee at the end, like $200, because they didn't withhold enough money. Have you ever heard of that? Thought the goal is not withhold too much because thsts our money.
The IRS charges a fee for not holding out enough.
I’m all about paying off debt but man telling that man to buy a $3,000 is like saying go to the junk yard and see if they have something that runs before they crush it. $3,000 is absolute junk now. He’ll be putting another $3,000 in repairs into it to keep it on the road 😆
I paid $900 for a 01 ford explorer and that lasted me 4 years. I just 3 weeks ago paid 10k for a car and we bought the hubby a $5k car 2 years ago and it's had no problems. If you buy a Toyota or Honda they are cheap but last forever. Don't forget that 3k car gets told him to get was just until he got out of debt. He could buy a nicer car cash once he was out of debt.
@@dreams2383 I agree you can get a decent Toyota or maybe Honda if you get lucky and find an older model but those are very few and far between these days. We’ve had Toyotas and Hondas and they’re great cars but they need maintenance too and if you get one cheap you better plan on having spend a few bucks to get it sorted out. Just like the $1,000 emergency fund is not very realistic anymore neither is a reliable $3,000 car. This is coming from years of experience not just a guy yapping his trap.
@@robp.1995 they are not far and few between. I just bought a awd cheap car for my husband a month ago. Maintenance is a lot cheaper then a year of car payments. Also the 1k emergency fund isn't suppose to be enough. It's if emergencies come up while in baby step 2. Normally most emergencies are not over 1k. If they do happen you are suppose to pause paying on debt, use those funds,along with your 1k and your income or sell stuff to cash flow the emergency. I know this because in the 4 years I was in baby step 2 I had 10 actual emergencies in a year and a half. Sometimes the 1k was enough but there were 4 times it wasn't. I had a 3500 car repair on a new car I was still making payments on, my oven went out, a woodpecker pecked our line and fried half my houses electrical and our breaker box in our house caught fire. Every time we stopped the baby steps,cash flowed the repairs. Mind you I only made 40k before taxes and insurance yet I was still able to come up with the funds and not borrow money. We are now in baby step 7. Even though we are baby step millionaires the most I've paid for a car since finding Dave is 10k even though we could afford more. I have bought a brand new car since 2014.I'd rather put my money into roths then a car that goes down in value.
Unless you have a massive 50%+ down payment, It's impossible for most to do the 15yr these days. Prices have a long way to come down.
Dave I think is the first time I’ve heard you say you can’t have credit cards and be on step two . I don’t know how I missed that.
7 baby steps are best if you not in debt if first place. Maybe baby step 1a, should be do not get in debt.
While you're in BS2, I've cut-up the cards but my question is that should I cancel the cards right now or after I pay them off
You can cancel them before they are fully paid off. They don’t want that tho
@@stephenayriss5049 Cut the cards up (so you cannot be easily tempted to spend on them) - they won't know. And when they are paid down to nothing tell them they're not enhancing your life so to cancel the cards
Be prepared to battle the bank on the phone. Don't let them steer you away from canceling them. the banks will do anything to keep you as there puppet.
❤❤❤❤❤❤❤ so it loud dave
Is Fidelity a good term life insurance because I get it through my job?
Buying a cheap car sounds great at first but I know first hand that the repairs and breaking down on the side of the highway- even if you upkeep regular maintenance will cost you cash out of pocket an arm and a leg. As a single mom. No thank you! I’d rather lease!
A lot of great information. following the baby steps myself. But his prospective on the car market of used car prices went up back in the early 2000s. that been happening the last few years. Housing market advice running right into a real-estate promo. Guess he is not seeing the all the housing supply going up in his area and the bigger and bigger price drops. I am not an expert but have 2 friends that bought in the last year and lost 40k-65k of there home values. as far as markets housing would be the easiest to predict.
Gheeze the first young man didn’t stand a chance. These cheap cars are gonna have the poor man walking using his thousand er fund on UBER.
THE BLUE OYSTER THEME SONG!!!! BAHAHAHAHAHAHAHAHAHAHAAHA
Why start putting ads??😢
Where have you been? There have been ads on virtually every KZhead channel in existence for years now...easily more than 5.
Nevermind! I found my answer!😊
What the heck with ads??? The YT channel never had its claws in on dave with stupid ads
It's not just this show, it's every KZhead channel.
Dave: Sometimes you have to hire a lawyer you don't even like!
Jade makes me want to turn my life around
Numbers are up because of JADE. Simple! No offence but it aint the others!
My goal is be millionaire first generation
Why are you against a whole life policy?
Don’t show me an add about fan duel KZhead 🤯 DAVE GET THEM!!!!!!!!’
Does the $1000 emergency funds go towards baby step 3?
It goes towards baby step 3. Once you complete baby step 2, step 3 is saving for a fully funded emergency fund. That 1000 is added to the amount you save for a fully funded emergency
1000 is temporarily for baby step 2 while you're getting out of debt
Hi! I have a question. From what Dave Ramsey has taught about debts. Would you pay off your house with your 401k, considering a 3% penalty to take it out??
No. Don't touch your retirement fund. That's a shortcut that doesn't pay well in the long run.
Poor Carley, she ain't the sharpest knife in the drawer. I'm not sure she even understood it the second time
Dave sure doesn’t know enough about inherited IRAs but maybe he will go do his research after being told they don’t have to be liquidated at 10 percent per year. Maybe take it out in smaller chunks to keep his tax bracket in lower levels but no need to wait all 10 And take it all out in a single year.
what's with the commercials every 5 minutes?
It's not just with this show, it's every KZhead channel.
Some of the brutal talk (sorta speaking), is what some people need, including myself. Love it. No pussy footing.😮
She's making on on invest then her mortgage interest is. So why pay the mortgage? She is not borrowing on her home.
This channel never had KZhead ads until recently. They must have turned on monetization.
⭐️⭐️⭐️⭐️⭐️
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Why don’t you preach against the sin of usury?
I apologize, 30% penalty.
This guy isnt going to get a 4000 car
🌟🌟🌟🌟🌟🌟🌟🌟🌟🌟🌟🌟🌟🌟🌟🌟🌟🌟🌟🌟🌟🌟🌟🌟🌟🌟🌟🌟🌟🌟
Huge fan of the show but they were super mean to Jason for no reason. He uses his card for monthly purchasing. Not sure why you were so rough then hung up on him. The meanest I"ve heard you guys be ever. Y'all should call him back.
5:25 These two are out of touch with used car prices. Around here $3000 will get a 20+ year old car with 180,000+ miles
😂
This show is already full. Of ads, adding the youtube ones to it is really annoying.
It's not just this show, it's every KZhead channel
@@bettedavis9261 They recently added monetization Bette. Last year there were absolutely no ads for me and I don’t have premium.
@@gkdiva6 I know. It's so annoying. I'm in the middle of my workout video, and a stinking ad (or two) pops up. Ugh!
58:40 This is terrible! If the market averages an 11.8% return like Dave says it does and they put the $200,000 the owe on their house into the market, they would make $1,570 per month more than they would using that money to pay off their mortgage which has a 2.375% interest rate. Dave is saying $1,570/month isn't "spit" so they shouldn't bother. That sounds like lying advice to me.
He's a lazy hustler, baby....
The cringe forced cackle everytime ramsey makes a joke
I love Dave, but......there are other options.
Like who?
. Tiktak
Dave should stop telling people to get a $1000.00 car. It don't exist. If so, it would only last for a few minutes , then u have a new problem.
NO! Student loans have 0% interest! As long as you have your money making money keep cash on the side for when the loans are due, but DO NOT PAY THEM!
You do realize that it means that the payments are going directly to the principal balance. It’s like if your mortgage company said “zero interest for 1 year” would you stop paying that for a year and lose out on the interest savings?
My kid's student loans did NOT have 0% interest.
I don’t listen with this co-host. Please bring back the ones we love
Why don't you like her?
She sucks!!
Wonder why?
If you don't listen to her then why are you here?
She’s amazing ❤ bold beautiful and successful
Jade stop saying " I love it" that's Ramsey thing
Dave let your co-host finish sharing their experience and knowledge! Quit interrupting them we want to hear their personal stories too. I wanted to hear Jade’s 1/2 million dollar debt story. Its your show but your are so rude and power hungry to take over every conversation!!!