The Ramsey Show (May 10, 2024)
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- เผยแพร่เมื่อ 9 พ.ค. 2024
- The Ramsey Show (May 10, 2024)
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George Kamel & Jade Warshaw answer your questions and discuss:
- "How should I diversify my investing?"
- Wall Street Journal article: Gen-Z Sinks Deeper in Debt,
- "When should I teach my kids about money?"
- "Should I sell my car to jumpstart savings and investments?"
- "Coping with a spouse who has a traumatic brain injury,"
- "Is a 'cash back debit card' a good idea?"
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The child should stay in school. If the present school is inadequate, transfer him to a high quality school which will provide a one-on-one or a smaller ratio of teacher to student teaching. Give him a chance to find his strengths in life. If you love your child, let him soar!
Just wanna thank the Ramsey Team! Last July my husband and I had .54c in our bank account, no savings, and & $7000 in debt. Since Ramsey, we got a reality check. We paid off our debt in January, have now $4000 in savings, set up our kids private school sinking fund, and are well on our way to completing baby step 3. Last week our dryer died after 15years! We were able to say ‘oh well, let’s get a new one from our emergency fund’. It was a great feeling not freaking out thinking how are we gonna pay for this. We didn’t have to borrow money for the first time in our lives!!
We are for the first time on the same page. I got a second job and increased household income by $40,000!!
We are motivated, and grateful. Thank you for all that you do, and for God who had me stumble over Dave’s testimony, to find you guys. Love from Lisa in Australia 🇦🇺
Even in Australia when you're upside down now you can still get sick and tired of being sick and tired! Inspirational story! Your debt free! But you can work hard but still make time for your family. Don't just leave them money, leave them memories!
Awesome! Great job! 👏👏
Love it
Hello from Kentucky, USA. How did you find the Ramsey info? Great job. Isn't it a great feeling to be in control? 💙
They’re hundred percent going to pull him out of school. That poor kid.
That kid has so much to learn about life. Is it going to be a horrible boss
If I were that kid, I wouldn’t do a single thing they ask of me. I stuck it to my parents when they played games. They learned very quickly not to try me. Children are people too
School didn't do anything for me. they are millionaires. The son is on a better track to work for his folks
He’ll be fine lol
"Let him grow a mustache" 😂
Jordan, do not Ever let anyone stand on your dreams - not even the Ramsey people! My husband and I retired from our first careers at 55 and pursued other paths that challenged us. I became a realtor. Please know that there are all kinds of soft-spoken realtors; not everyone is a garrulous “people person” and on fire at every moment. You will attract the right people into your life if you listen to your own instincts. You will need to get into the habit of doing that. Every single realtor starts in the same place: With a listing. You will do the same, if you stay authentically You and not try to be anyone else. Clear up that debt, though! You can do all of this! 🎉
Couldn’t agree more. There are times we need to be stern with our advice, but times that require optimism and speaking life into people. I’m rooting for Jordan and hoping the character assessment of these folks doesn’t deter him from at least trying.
First caller was ridiculous. Great parenting job 🙄. Kids don’t just become spoiled on their own.
Facts! That guy was so annoying and said so much nonsense 🤦🏾♂️
One of the most unlikable callers I can remember. Ugh.
He was really out of touch. Kid needs to be a kid. I'm not a huge fan of online school in most cases either. We are all becoming so isolated.
Guy is completely clueless!! SMH
This father has really poor judgement and wisdom. If you are your son as bratty and immature etc, what about those character trait tells you he'd make a good CEO?! Your business will go to pots with that kind of management and long-term staff will leave as a result.
To that first caller. You need him to get a humble job. Not pass a fortune to him
"I don't want him to be an entitled brat" but also "school is a waste of time for him at this point, it's kind of dumb"
Sounds like if he is an entitled brat it would be like father like son
No kidding otherwise the business will go down the drain while he gets high off cocaine.
What a crushing amount of responsibility and pressure for that kid of the first caller
1:36:20 no show fees for doctors, dentists and hair stylists have been around for decades if you cancel/reschedule less than 24 hours prior to the appointment.
We just replaced our HVAC for $8500. That's one unit for our 3500sq ft house. (Our upstairs unit is newer). The one we just replaced was 20 years old. That salesman is trying to get you. He quoted us three different units - the higher one being $16k. We went with the budget one and it's meeting our needs. We also put a few "bandaids" on our HVAC to make it last until it died. 😂
Right! They never give you the lower end prices. I replaced mine too (furnace, central air and water heater) and paid 11,200. My home is small and already efficient, I don't need anything crazy
both of them : How old are you? 🤣 totally in sync
I'm a hairstylist and as much as it hurts when someone cancels an appointment last minute or doesn't show up, I know that I'm human and i wouldn't like getting charged for a missed appointment. I know that it will happen at some point. Yes please give 48 hours notice if you can't make an appointment. Also I've had clients pay me extra because they messed up. I'm always grateful for those people 😊
1st caller - you have to be at least 16 to get a GED in NJ.
Psycho Dad wants to strip his child of his childhood to run the family business. Crazy 🤪
Terrible choice to pull out the kid!How will he pivot if the business needs a change. What works today doesn’t mean will always work. How would he make the business grow?
How is the family with $100k in debt not scared that if dad loses his job they don’t have enough to get by past 1 month and their focus is Disney?
Escapism. Delusion. Denial. My 3 guesses.
Smooth brain cashed out the points on the Disney cards before he even asked the question. He's a mouth breather, hoping to get some cope out of his call and got a reality check
You'd be surprised how many people live like that. And putting all of the 3300 to Disney is crazy. If they were desperate for a vacation, they should have done something that was driving distance and more affordable.
I wish Dave took that call from Joe. Yikes.
59:30 Jordan, don't get a full time job. Get something part time with a flex schedule like ubering or food delivery. That way, you can have some money coming in and be flexible enough to do real estate
7:34 kids don’t spoil themselves.
What happened to telling the kids if you want to go to college, you better work and get good grades, so you can get scholarships.alot of parents really struggle, and learning and going to school is their part. Scholarships, trade school, so many options for them, but they got to really want it.
We have a friend who took his MD to small claims court because the MD was late by an hour. Our friend won his case.
It’s sad that we have to “side hustle” just to make ends meet. Everything is skyrocketing except wages.
Bidenomics
Remember that at the polls
Keep yo kid in school! If you're talking military school maybe just start with not paying for everything he wants and giving him a blank check to a multi $$$ company. That'll run off good employees faster than anything.
It's weird, they want to pull him out of school to go into the family business but then also want to send him to military school? From one extreme to the other
Gen Z is not the first generation to run into this problem. The first "home" I had after graduating from college was a room at the YWCA! (Do they even still have those?) I very quickly got sick of that (after a roommate robbed me) and got a place by myself but in order to pay for the safety of having my own place I ended up working THREE jobs and that continued until they changed my schedule and I was supposed to be working two places at the same time and obviously I had to drop one. But I kept the second job. We didn't call them "side hustles" back then. I just had a part-time job.
This continued for two years until I finally got a job in the field I had trained for and made enough money to only work only one job. So again, Gen Z is not the first generation to have difficulty finding the job for which they trained or difficulty in affording a place to live. I think I had an advantage over Gen Z though because I sort of was prepared to face some lean years when I first got out of college. I did not expect to land a fabulous job on Mahogany Row and live in a high-rise with a million-dollar view. I suspect that some members of Gen Z MAY have expectations that are a bit too high.
Good grief, Joe. Put your kid in a private Christian school. You have the bucks.
Please Ramsey Network, put the clip of the part talking about life insurance so I can share that clip with loads of ppl! It’s short enough they’ll watch! 👍 thanks!!
I love this team. I disagree with the first couple of comments. I don't know, though, maybe they know better than me. George and Jade make a good team, I think. I'm listening. They're keeping my attention. They work well together, and let each other talk while adding a one word comment that's cute, if you know what I mean. You just have to have that special thing working together, if you know what I mean. They have it. They're keeping my attention and going at a nice pace. I'm keeping up with them and never feel bored. They are both very knowledgeable.I really admire, Jade. She speaks so well and dress so elegantly.
They are my favorite combo, too!
@@tamaradebose We'll start our own TamFam 😄
i’m watching this episode a week later but to comment in regards to GenZ and not being able to pay rent, I have always lived in Southern California and our cost-of-living has always been higher then other parts of the country. I agree with doing the side hustle having an extra job, but the other thing is get a roommate, even when I got out of college - up until I got married. I always had a roommate because I didn’t want to pay so much for rent, ( wasting money). because what I could afford would be a bad part of town, and in Orange County I would want to live in a nice neighborhood or near the beach, etc. so I’ve always had one or two roommates / split the rent - and it was always affordable,
Take GED and go on to community college bypassing highschool last 2 years or do trade school electricity for example
This should be illegal ,almost as bad as pushing LGBTQ ON A KID
Jordan, I wouldn’t sell my Apple & Google stocks. Those are two value companies. I wouldn’t invest more into them right now-just don’t sell bcuz they said so. Blessings❤
Renting is not throwing money away. Two annoying callers in a row lacking in humility like crazy and don’t want to learn. Ugh.
Time stamp 1:16:47 thru 1:25:23
I feel like this subject needs its own one hour segment..
😢 this hit hard and there is no set path for this
You’re spirited bc you’re filling in for Dave!! Go George!! Clap. Jade is fire too.
Do NOT pull yout kid out of school unless you homeschool him. You are not amish. Your child needs education AND learning how to be a kid prior to an adult. He will learn socializing with the world and others... homeschool groups, etc.
If Britney can get by on 45-50k with 6 children and no husband or child support, there is no excuse for a married couple to not be able to succeed
I’m not saying it’s good or bad, but she is getting support outside of her earned income. It may not be called child support, but she’s getting reduced housing (and probably some form of food stamps) paid for by the tax payers. That’s not making it on her income.
Concerning the rising cost of housing: What if the "answer" is not to work 50-60hrs OR going into debt but a substantial change in the housing market to where you can afford rent on one normal income?
Well, you can control how many hours you work or if you go into debt, but you can't control the housing market.
Trump 2024
6 kids and no child support? Dude needs to be called into court and have the judge throw the book at him.
In some states you will lose your license for being even a few months behind
I love this duo ❤
My HVAC will be $12,000 -$14,000 to replace it. It is the upstairs unit.
Bruh..yes..if you have to wait long to be seen for an appt to where you’re about to fall asleep from how long you’ve been sitting there, agreed I would like some kind of reimbursement. Waive the co-pay or somethin🤷🏽♀️
It would be helpful if a customer called and canceled 24 hours before the scheduled appointment so the business owner can schedule another client at that time and not lose much needed INCOME……
George!
Yes… please let him be a kid…
Amen! Jade!
When will the app be available in Denmark?
Damn they were too soft on Andrew. He needs Dave
Real estate is very difficult. The old coworkers would never give him the opportunity to sell a million dollar price tag house, especially in NYC. Good luck
Personally, I would not trust someone with no experience to be responsible for the sale of my home or to help me buy another. If he cannot work alongside someone, he needs to look for another profession in NYC. His voice had no enthusiasm - not sure sales is his career.
I love these shows! But some things don't work with everyone's situation. It's like when some parents stay home with the kids because childcare is much more than they would make. Paying for a baby sitter to get a second job may not be beneficial in the long run.
I don’t like the first caller, at all. If he puts me in the will, I’d change my tune. 😅
Poor kid , crazy parents
First caller! Asking if they should pull their son from school. Don’t do that, let him grow
18k for hvac? Must be 2 units.
To pull your kid out of high school in the 9th grade to get a GED is insane!!
Where do I find the Baby Steps formula?
Ramsey Solutions has a large amount of info on their website.
This show feels like the Jerry Springer of finance podcasts
1:39:06 OOhhh!!!!.... George. NAUgthy!!! In Australia, under the Australia Consumer law, Banking laws, you could be fined for being deceptive.... For promising to pay and not.
HVAC is a scam. If ur unit is still working u don’t need a new one.
Nice hair cut Dr John 💇♂️
They should have used their points to pay their credit cards. That’s what I did back when I used credit cards.
1st caller need to not ask Jade and George this type of question. He has created something they have not, I know of several Billionaire children that work with their parents from a young age. 100 years ago 12 & 13 year olds were officers in the royal navy. 3 of our founding fathers were 21 or younger in 1776. Our traditional school system creates mediocre children at best. I like where your head is and you know what’s best for your children.
BS
Lmao he created a spoiled brat that he wants to pull out of school to run his widget factory.
@@pamsmith1665he is actually spot on. The research AND why traditional school was implemented shows that school was started to created WORKERS and SOLDIERS. This is why the data shows that children who are homeschooled are more likely to become an entrepreneur. The public school system is a set up to create people who cannot think for themselves nor make their own money. It was by design that way.
I get that you’re a teacher but facts are facts. Look it up.
Jade is speedy
I wanted to come to the Money Makeover Weekend so bad, but Im deep in the middle of baby step 2 and I cant swing it
A lot of BS2 were there. I talked to so many that only got more motivated and more tools to get it done faster. It was worth it for them!
NICER Rule 1. Putting other’s needs ahead of your own.
“When I was 22 I had 2-3 jobs” who stays 22 forever? NO ONE rent and mortgages are the problem. Ps I have a very affordable situation but everyone is hurting and being okay with it is the problem.
Jade always on fire!
So they got $300 in Disney cards? So one night?
Wow that’s a first! A wealthy family trying to force their child to drop out to earn their GED. I’m guessing homie is not very bright 😂 so top colleges isn’t in his future 💀 got it!
Edit: I was right! I should have waited til the call ended to type the original comment. Entitled and dumb. Sheeeesh 😂
That dude was all over the place. Started off with "should my 14 year old son drop out to become a company executive" and ended with "I want to send my kud to military school and not see him for 4 years".
Never got my results via email with the Get Clear Career Assessment. Is there an email or customer service number I can contact someone about this?
Go to their website. The Customer Care number is listed. Or just do a quick Google search for the number.
Check your spam section. Sometimes emails go there instead of inbox.
BTW that kid's already a brat and entitled.
How in the world do you know?
For the 1st caller, homeschool might be a good option for you. There are online homeschool options like Acellus.
That last caller better not buy a house.
I’m hearing in the dad doesn’t value at the school teaching them seems to me that they maybe should pull out his homeschool him or put him in a different school. I’m hearing he’s concerned about his morning in school more than least. That’s my impression.
Cash back credit or debit cards take the 'cash back' from the merchant and thus from whoever is left in the world paying cash. ie I carry a few check blanks in my wallet for book store purchses.
Snark Tank.
The John and Dave shame, fear, and guilt insurance ad is cringe worthy.
I don't know, it does seem to be a shame that people have to have 2-3 jobs and roommates to make it work. Sort of makes life not as good, imo. Something has to give somewhere. Average income going up or prices coming down. Working all the time causes people to give up and not do anything, or get really angry, which I see a lot.
It’s temporary.
I’ve been researching this this HVAC guy is most likely telling her the truth.
A complete HVAC system in a 1500-2000 sq ft home is 10k. Tops. She's getting ripped off. I paid 8k in my last house in 2018. There's no way inflation has doubled it.
🌸🌸🌸🌸🌸
6 kids and no dad? I’m shocked
6 kids
Lives in government housing
Baby daddy on the run without child support
Called to "axe" a question
Need I say more?
@@Based_CommentYour hubris is showing. You have no idea how people get where they are. No idea what their childhood was like that put them on this path. She is calling for advice. She’s taking a right step. BACK UP!
OK John showing the guns!! Black tee shirt with tattoos is a good look!!!!!! 😄
His mouth breathing is so annoying
this guy listens to people's financial debts and is a debt collector
I'm not saying this specific kid should be pulled out of school, but the knee-jerk reaction by conservatives to keep kids in government schools to be raised by people who hate them and their values is mind-blowing. Maybe he can learn the virtues of debt and pursuing worthless degrees from his broke teachers.
Shaniqua has 6 kids to multiple baby daddies in section 8 housing but wants to start a business 😂 how about we find out which of the many dudes is the father of your kids
You need help. Another comment about this? Dude, you need Jesus. Leave that woman ALONE!!!!
First caller is a wack job.
Dude wants to pull his kid out of school in 9th grade because it's best for business.
What. The. Fuck.
I knew in 6th grade that I wasn't going to college and I would be working until I die. Beings that he has a job already set for him, it'd be stupid for him to stay in high-school. Take him out and let him start making money. The fact that you're parents that support your kid, he already has a nice life set up for him. Don't listen to these pampered people that were babied their lives and don't know what real struggle is.
I'd like to see the male host whose name I can't quite remember with a little longer hair - little more time between haircuts.
No thank you. These are professional gentlemen.
@@brandihoule6060And it’s nobody’s business. Obviously someone who’s never heard of a fade.
@@brandihoule6060 Sorry, it was just a personal opinion.
Pull him out of school
Don't pull him out of school, but if you hate the school, have him transfer. You guys are financially independent; you can afford to send him elsewhere
Why is John wearing a hail satan t-shirt? Xx
It’s the rock on symbol! John is a guitarist!
@@flashthecorgi2053 It's a hand signal for hail satan! It has a whole range of dark associations all surrounding the occult xx
It's the hail satan symbol. The hand gesture has a really convoluted history, always associated with the occult. The heavy rock music community adopted it for the exact reason that heavy rock and roll is traditionally seen as demonic. I know you love John, Flash but this is concerning xx
@@kaelaleedaleyOkay but it’s also the rock on symbol and Dr. John is a guitarist and that’s why he’s wearing it… hope that helps! John is the BEST!!! Most loving, empathetic, and caring guy there is. ❤
Y'all are out of touch with what high school is. Pull him asap
To the first caller- I actually had a friend in high school whose family had a super successful business. So while everyone was looking at colleges and preparing for the next phase she would say she is just gonna work for her parent/ run the business. I moved cities in my 20s and when we talked at 25 she vented about how she wished she got to live her life. That all she knew was her parents business. She was grateful for everything but wished she would’ve moved away and did more for herself than be under them. Even then she still didn’t want to disappoint her parents and tell them how she felt. 🫤