When Are You Gonna Get Sick and Tired of Being Broke? | April 30, 2024
The Ramsey Show (April 30, 2024)
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Dave Ramsey & Ken Coleman answer your questions and discuss:
- "My sister wants to move in with me,"
- "Should I buy a home with my boyfriend?"
- "Should I take out a loan to buy a $1M business?"
- Using the "why" instead of the "what" to get your spouse on board with the Baby Steps,
- "Our bills tripled due to fraud by a family member,"
- "How can we help our family living in poverty overseas?"
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Gotta love the callers who say they've been listening to the show since 2007 and then ask a question that they should have known how Dave would answer if they've been listening to the show for a week.
They were listening without actually Hearing. 😀
@@BeeDee-qs9sothis!
@@bettedavis9261To be fair, I’ve been known to do this myself, when and where convenient 😅
@@BeeDee-qs9sowe probably all have at some point ❤️❤️
People always think their situation is "different".
Caller: “I’ve been listening since 2007!” Also caller: “So I’m planning to buy a house with my boyfriend.”
Agreed. Have been listening to the show for a couple of months now. At one point I had been planning on calling in because I had some questions. As I listened there were other callers who had situations close enough to mine that my questions were answered. I still have more questions but I’ll keep listening.
I was yelling at my screen at that call
😂😂😂
Two calls in. Dave is not dealing with anyones crap today. Lol
The lady with the $650,000 house needs a pre nup! l Otherwise she will get screwed in two ways.
@@mavamQnah, she won't even get married
She could not wrap her head around what they were saying. She didn't look at it at all like she would be charging her BF "rent".
@@jenb25She is definitely planning on keeping finances separate even if they get married. You could almost hear her rolling her eyes at Dave. 😞
Dave is a wise man. You can’t fake that.
Jessica from Madison who wants to move into a new house with her boyfriend and 2 teen children got her little fantasy put in check by real talk from Papa Dave. 😅
Something that isn't mentioned is that of course they're going to get along fantastically! This is the beginning of the relationship. And you have to beware of men who move in when you have teenagers. Many men look for women who are divorced with teenagers because they are pedophiles. And why doesn't she find a house that's already fixed up with the amount of space she needs, the two bathrooms and the three bedrooms? Much easier than living with contracting issues!
Mark from the debt free scream - your grateful heart was so touching. Whenever people complain about their history or past choices I hope they get to hear your story. Your Dad would make the same sacrifices all over again to witness this day and your awesome accomplishments.
Mark and Kelly, great testimonial! All today's listeners and future listeners are proud of you. Congratulations on being DEBT FREE!!!
It always amazes me how people listen to Dave but call in and ask questions that they know the answer to thinking that their situation is unique and they will get a different answer. 🤦🏻♀️ Lady, you called the wrong person asking to buy a home with your bf.
If my Mom tells me she wishes she didn’t have kids I would not be considering financially assisting her 😮
It sounds like Mark & Kelly are a couple that was truly meant to be. God Bless them for the love they share and kindness they share with the world. ❤️
Mark and Kelly made me cry!!! Being an immigrant myself, it encourages me so much cause my husband and I are on our debt free journey! ❤️🙌🏼 God bless you guys!!
That lady with the boyfriend who’s listened since 2007 is going to lose all her money to that boy. If she marries him she should get a prenup. Doesn’t mean she doesn’t love him but she needs to protect herself.
It’s crazy how people call in and wait for hours to talk to him, and they don’t know he’s going to tell them not to buy a house with your boyfriend. It’s in almost every episode. And then they proceed to argue with him. You called for advice.
20:45 Mark and Kelly what a beautiful testimony of perseverance and diligence. I was blessed to hear your story. From broke to millionaires in 15 years. 🎉🎉🎉🎉 Congratulations!!
Either get married or don't let your boyfriend live with you. Im not sure what she was expecting Dave to say. Obviously, you would split the bills with a roommate.
I've recently read Dave's books, Baby steps and the other recent one; and I'm so glad I did. I had tried a few times to set a budget;but somehow it just didn't work. Then I read your books, and I understood a lot more how to make it work. We've been on a budget now for a few months, and now we have a lot more satisfaction in being able to manage our money!
Dave is back
The man who immigrated here from Communist Russia in 1981 needs to share his story to all the people in The US who think Communism is a good idea.
I could not agree more with your overall point in that there are so many left morons who have come out of colleges throughout the past 7 to 10 years straight I think they know it all and really they don't have a clue and they were taught opposite day information involving history and what should happen
A few years ago I was talking to a gentleman from Russia who came here and started a business. I said to him, what do you like best about the US? He said "no KGB. And I can have a business and keep my money!"
Listening papa dave talks feels like having papa i never have, hello from indonesia
Yes, a lot of people feel that way, including me. This is the advice I wish I had been given when I was younger but at least I found him enough years ago that I am doing well with money. He's a wise man.
It feels like Rachel from Vancouver is asking her question in behalf of a lot of us who are still helping our families and relatives back in the Philippines. Thanks for it and thanks for the show!
That seems to be a requirement when you leave the Philippines to come to the US. My MIL brought girls over to live with her, got them entry level jobs and made them send money home to their Mom's. She was very strict with what they could and could not do, had curfews, she knew where they were at all times. The money they gave their Mom's was Very appreciated. It was an allowance of about $100 a week. The girls did not have expenses as they lived at her house. My MIL was also Very strict on what guys they could talk with and date...she was more intimidating than an American Dad with a shotgun 🙂 All but one girl married, they all married nice men who wanted a stay at home wife. When I run into them in public they cannot wait to tell me how happy they are and gush about their children who are right there with them and so sooo very sweet and well behaved. The one girl who did not marry was treated as an outcast because she wanted an education and get on her feet to support herself and her family back home.
Oh and the girl who wanted to make it on her own with Education, she did Very Well and even brought her Mother and brother over to the US.
Kelly & Mark's testimony was so moving!
Kelly the debt free screamer looks great at 47! Go girl! Go couple! Congratulations!
Congratulations Kelly and Mark! Terrific show Dave and Ken.
I love that Rachel asked the question about how to help her family in the Philippines. 🇵🇭 My family came from the Philippines and we have given money to help two people go through school. Dave is right - it’s a very poor and difficult economy- sometimes we can give just as a short term generosity and show Jesus’ love. But, Dave’s advice is what I’m going to work towards going forward -which is to give in a manner that helps them out of desperate poverty.
my wife is from phil as well. her mom lives here in the u.s. and has many people in PI asking/begging for money every month. its really sad because she keeps sending it so now they depend on her and beg instead of trying to work. they constantly lie and make up stories. my wife has tried talking to her but she doesnt listen. every time they call she just sends more money. and this has been going on for many years.
Yes.. that’s really the reality of it with our family also. Still an ongoing issue and financial strain for families abroad. Praying for all families with this strain within the family. ❤ -Rachel
No one in its right sense like being broke or staying broke, most times it's just opportunity and time that happens to people, to some their spending habits need to be examined, some of the wise rich people spend like the poor while the poor spending like the rich that they are not. Some persons went broke because of bad investment just like me, I have been making huge loss on my trading account. How can I change this situation
Sure, you could either hone your strategy, emphasizing risk management and discipline, or entrust an experienced trader to handle your portfolio.
I have been in that situation of consistent loses until I met with Maren heule howard. A professional portfolio manager whom I met at a conference in London. She's my saviour and I will continue to be indebted to her
I also know Maren. A colleague at work introduced me to her. Her analysis is incredibly effective, consistently leading to profitable outcomes for me on a weekly basis.
Maren is awesome at what she does. I just withdrew my 10th profit last week Saturday
I was recommended to her by people's testimonies and writing her has been the best decision I have ever made
Caller #2 - also wanted to argue and just get permission to do what she wanted, not to really have advice.
Mark and Kelly touched me! I'm crying. ❤
It’s hard for me to understand a mother moving in a boyfriend while having children even at the teenager season. Those poor kids are probably so uncomfortable. I’m so thankful my mom never did that to me. The kids are obviously at the bottom of her priority list. 🤦🏽♀️
A lot of women have a revolving bedroom door. Gotta have a BF. Raise your kids first.
@@pamsmith1665you can absolutely find a life partner while being a single mom. This happens all the time. Just because we have never experienced it, doesn’t mean we get to judge and look down on others.
Just an observation When that revolving door affects the kids in a negative way. One stranger After after another sharing your home.@OopThereItIs77777
Especially with teenagers
If the business was only bringing $60-$70,000 a year how the hell does this kid plan on paying off $1 million loan?
Dave's back, yayayyy🎉🎉
Ice business? My career and specialty is refrigeration. I’m currently driving to a long time customer that has two massive ice machines. He delivers ice to all the gas stations, factories, and Amish. In the last three years his business has taken a massive hit from TWO stand alone ice machines. One in each small town that sit in key locations in the corner of a parking lot. DO NOT BUY AN ICE COMPANY. The company will slowly dwindle as these standalone ice machine become more popular. Just my advice from one Dave follower to another and an expert in this exact area. Much love and good luck!
For the girl who asked how to get on with her friends having brand named clothes. My kids know that I don't like logos on our clothing or weird t-shirt graphics. It's a cleaner look and looks classic. My youngest did a Journey book in Girl Scouts, it was on how people perceive you. The troop discussed this and decided that name brand clothes would make a difference at school. To prove them wrong I bought my daughter a 2wk high end wardrobe including purses and shoes (she already had jewelry). The Very First Day she went to school wearing all this new wardrobe, so Many of the "IT" crowd came up to her and suddenly wanted to be best friends. After the first 5 days of school she had had Enough! She didn't like all these FAKE people coming up to her and talking about "the most stupid things." We encouraged her to continue through the two weeks. At the end of it she was just So Angry she wanted donate All of it...except for one of the smaller purses because it had a pocket that kept her Wet n Wild lip gloss upright. She would rather the other kids appreciate her for her, not her clothes. Many of the kids left her alone after she switched back to her regular wardrobe but she was absolutely ok with that. She knew who her real friends were. She did keep a few of the "new friends" because they didn't talk like jerks or worry about what she was wearing. Also, remember, those kids clothes are paid by their Parents money...when they turn 18...that's Not Their Money. Who knows if those "brand wearing kids" will have an income to keep up appearances or will they be just scraping by. Learn about money from your parents, not those kids.
Im from the Philippines and you hear the same story most of the time. Some can be helped and some, they just make it their lifestyle. My relatives started calling help as “allowance” and their title became “remittance earner.” I helped until I was able to move all my immediate relatives moved here. Now, they don’t even say hello to me and living their lives here like they didn’t get help from me. I’m just relieved that I don’t have to send their “allowance” anymore and finance their expensive private universities. Very ungrateful but now I’m free. I still have occassional money I send for emergency. During the tine I was helping, I just worked really hard and not spend expensive stuff to myself. I didnt want the money taken our of my savings and investments. Im lucky that i have enough income. I feel that Somebody up above helped me. Be kind but to yourself first. ❤
Had to watch Dave on Theo Von’s podcast today bc I’ve been missing his advice for an entire week 😅 shoutout to KZhead’s algorithm it already knew
Was a solid episode too
1. Get debt free 2. Invest like a boss. 3. Ditch microcrap Windows and switch to Linux Mint Cinnamon to free yourself and what is supposed to be YOUR...PC. 4. Learn how to repair things yourself. 5. Make it a point to pump some weights at least twice a week...2 real sets...slow ans control 6. Make it a point...daily... to fill your head with a variety of things not just one. For example off and on throughout the day fill your head with something that makes you laugh and smile. Plus something that makes you feel alive. Plus practicing useful survival knowledge of any type B it monetarily or Old School Wilderness, plus a little bit of history of human behavior plus a little bit of entertainment and I'm not talking more than 10 to 20% tops of your everyday of movies TV shows Etc
The guy wanting to buy the ice company needs to have an expert to look at the books and determine how much it's really worth. I was offered a business at $76,000 but my CPA looked at it and said it was only worth $28,000 at the highest. I knew the owner too and she claimed she was giving me good deal.
"She's called to let me know she's moving in with us." ... Sounds like you've let her walk all over you in the past and continue to.
I agree. I had a major head tilt when I heard the sister announce she was moving in...and the caller didn't seem like there was any other option.
The only thing is the Mom owns half of the house and could agree to let her other daughter move in also .
I went from thinking the caller is 100% right to thinking the sister is 100% right. She conveniently left out that she lives with her mom so when the sister said “I’m moving in” she was actually saying “I’m going to do exactly what you’re doing and come live with mom too”. The callers name on the house is a technicality.
I think Ken got heart burn when the guy asked about taking out a business loan. 😂
I love Mark and Kelly’s story… very inspiring ❤
Second marriages with children is a way different animal than a first marriage. Wish they would have covered that better. You can't just split everything down the middle and not consider existing children....
New to Ramsey. I love the comment "I'm not a dream killer, I kill nightmares"!!!!!
I give to Unbound which helps families in many countries. My child is in the Philippines. Some through education do get a lift and get help. It's not a miracle but giving skills and education helps a lot.
Yes world vision and compassion international are two really good ways to help children in 3rd world countries.
@@amy2284 Yes I did a bit of research to see how much goes to project vs employees and if they offer chances to go to country yourself etc. It's better to give life skills than gifts although I'm glad Unbound does have birthday treats of cake etc for the sponsored kids and family.
Dave is an a good mood today 🤣🤣🤣🤣
So cool to see my worlds coincide on theos podcast. You did great Dave!
Love your show. I think your advice is great as usual! Thank you.
Callers such as the lady with live in boyfriend and the guy living at home wanting to buy an ice making business for 1 million dollars, it's much wiser to not tell Dave you are long time listeners 😅
I know right
That’s so true! You have to get mad, then be sick and tired is when the change starts.
He gonna get into the ice business
Mark and Kelly are so amazing! They are such an inspiration to everyone that is still on the debt to freedom journey!
Dave and Ken!!!!! YES🤌🏻
Simon Sinek's Start with Why. So important!
Well done Ken 👏 good catch man 🙂 Love your natural nature. 😊
Great solid wisdom!!! Praise the Lord
Second caller? Does she not listen to the show?
Great show, lots of variety represented by the callers questions.
Love Mark & Kelly’s story!
that first call was the prime example of third wave feminism
I’m starting this all now. I’m 21 with 2 kids but that doesn’t mean they have to suffer
Ken struck out with the John Deloney snap analysis... I was waiting for him to ask if she feels safe
I just had a door put in my extra bedroom for my sister. She enters and exits from the back yard. There is a microwave and mini fridge in the small bedroom and a twin bed. She is not allowed to use the kitchen or house. We rarely see her.
I can think of 3 things the guy in Las Vegas was spending $6000/week on. 2 of them are legal in Vegas, but not all states. 😮😮 🎰 🍑 💉
Yeap...it is thr worlds..oldest .." profession " and primarily the majority are of female gender"
1:24:00 That might be the biggest yawn caught on camera ever
Kelly (and Mark) on the debt free stage, love your story! Also I’m Danish! My moms’ grandparents (my great-grandparents) on both sides, all came over from Denmark too 🇩🇰 ❤️🤍 God bless y’all!
Dave really makes this show!!!
dave has a crystal ball under that desk he only missed by one year of that guys age I love it lol
At 46:50 This conversation took an unexpected turn. =O
People rise to level of their debt and quit
Well, there they are; Da Master Blaster of Disaster my Uncle Mr. Ramsey for President! and Mr. Awesome :) Thank you guys for all you do. Gil
Hey Big Uncle Ramsey, You just stated that "Honoring your mother and father" is not giving them money for their unacceptable behavior; I dare to ask; What if my father is dealing with aggressive dementia? This is when he turns offensive / violent and on occasion he recapacitates and apologies etc. What then? I'd like to know what you would do. Thanks for being awesome you all. Gil
The title of the video KILLED ME! LMAO!!!
“it is easier for a camel to go through the eye of a needle than for a rich man to enter the kingdom of God” Luke 18:25
Great debt free screams today! Congratulations!!!!
Good luck calling to tell me you’re moving into my house. Nobody would even try. Why do people allow others to walk all over them? People only do what you allow them to do
It’s not her house though it’s her mom’s. The sister wants the same deal she has.
Please do not listen to Ken! You need to move jobs ever 2 years to stay ahead of inflation. A .5% raise does not offset a 5% inflation rate. Keep it moving!!!!
”But if she has children or grandchildren, their first responsibility is to show godliness at home and repay their parents by taking care of them. This is something that pleases God.“ 1 Timothy 5:4 NLT
In response to Dave saying we have no moral or ethical obligations to our parents.
What a nice couple.
James from Des Moines, IA sounds like my kind of guy! Lol! I’m single, 31, from Orlando, FL and I lived in New Zealand for a year back in 2018. I could give you some tips! 🇳🇿☺️
I think we know why Jessica is divorced.
Amen
😂
25:52
Tough call on this older sister. I would be compassionate and let her move in. Perhaps buy some counseling for her. Not easy for anyone. But get your husband’s buyin. Essential.
That first caller who doesn't want her sister who's having problems moving into her spare room, I can understand but at the same time I couldn't turn my family away, especially if they are having problems
Her sister sounds toxic
I have a brother who's a drug addict, there is is no way we are sharing the same roof again, no matter what happens to him!
You have to learn self preservation. We cannot throw ourselves on the fire to keep others warm all throughout life. It’s called boundaries
You don't love your family well.
The problem is it’s not her house it’s her mom’s house. She’s telling her sister she’s not allowed to do the same exact thing she’s been doing. I don’t see how she thinks she has the right to turn her away when it’s not her house.
Cautionary tail : My parents let my dad‘s sister move in the house shortly after my grandmother died. she has a minor health problem, but I don’t know if that caused her to lose her job. she was living off my grandmother’s money that was from my grandmother’s husband that died. so my aunt had no money. Then my aunt got monthly income from the ex-husband. My parents insisted that she pay some rent and stop eating their food. She barely talks to them and lives upstairs with a small refrigerator and my dad gets into confrontations with her here and there and it’s a not good relationship because my mom and dad are getting in bad health and my dad’s PTSD is making him belligerent. They need help and my aunt will not help. Me and my sisters go to their house and help them. Dad and aunt are in their 70’s and mom is in her 60’s.
I wish we had updates on some of the callers. . . I want to know how he did in the ice business 😅
Dang, Rachel from Vancouver is beautiful 😍
Because she’s half white & half Asian 😍
@@teachersherrie8420 you got it haha half Ukrainian
And if you won't/can't take care of that child across the community? That's okay? That's not generosity or spirit. It's this part of you I don't like. Your generosity isn't enough to take care of everyone in need. And if the gov't is overspending, it's not on poor people that money's being spent on. It's your types of buddies further up the income ladder who're over charging at getting it. Are you angry with them? If so, then why don't you say that?
The marriage advantage only works if you stay married, it becomes a huge disadvantage if you get a divorce later.
No. If you are married you are in a legal contract, and assets must follow state laws unless negotiated otherwise, be it prenuptial or lawyers. No contract, no protection.
Join Primerica.
Dag. Dave opened the show with “ur a fat addict. Get out!” Also, what’s a duck fit? 😆
😂
Intro song is gta 5
Shack it up
Wish I would've been wiser a few years ago when I bought a house with my then fiance lol. Oh well. Her loss. Have a house of my own now and no debt, save for the mortgage.
$249
A chance to go swimming 😂
When your mother says she wishes she never had kids, that’s your license to grant her that wish and let her fend for herself. As a parent, that thought has never passed my mind, that caller’s mother is out of line completely.
Caller #1 - Linda - why do people call and then not want to hear what the advice is? And try and get the whole story out at one time - WHAT A RUN AROUND! Time for sister to grow up. Now, why is that so important? Because if sister doesn't get straight now, then she won't be able to cope if something happens to you and your Mom. Ken is not right about the reason - it's not so you have a better life, it's so SHE is forced to learn to take care of herself before she really has to b/c she has no one else to depend on.
9:23 Ken, should she then let him live there for free? He's going to live there, that's not the question
There is more to this story that isn't being told...
It's a 2hr video my gal.
@@LittleMopeHead just saying it's obvious... 😉👍👍😎🤓
The boyfriend and the house 😅
What are all of the baby steps ?
Ice guy… those machine are likely old and about to die and the guy doesn’t want to keep it going. DONT DO IT! I say this as another person that loves you… like a mom. Holy cow, please please no!
Ken asked whats the root of the problem in the philippines 🤦♂ dave tried to save him lol. this is why dave is the GOAT, he gets it, he's aware of the WORLD around him.
Yes, that made me sad that Ken didn’t know and so thankful Dave weighed in that people in the Philippines are in a very hard economy.
I have to say I just thought Ken was asking if there was a specific issue with her family, the way he probes other calls. He’s so good at seeking information as well as picking up on it when others miss the details.