The $10000 hvac you mean....we know and have the money ready. The quote was jaw dropping. Our mortgage is 15 percent of our after taxed income and we are saving $1000 a month for home maintenance. I highly suggest it as we are in year 20 and everything has been replaced at this point except the roof and now hvac is next. We want all new replacements by year 21 if possible to start fresh for our retirement years. God bless you and your savings plan~
Vinny can use the $50k to get certifications, attend a trade school, or get a higher degree. He has to change careers and make $90- $120k for his wife to stay home. He can teach bible study on the weekends. This call was for Ken Coleman.
If people truly followed your advice of a 15-year mortgage with a 25% debt ratio based on net income, it would completely crush the national real estate market. Median household income is ~$70k and median home prices are $400k+. Come on Ramsey Team…get real.
Jade gave excellent advice to Matt with checking his credit report immediately (one of the reasons to actually HAVE a credit report, BTW). Matt should also have thought to google the reviews on that company. I did so, and there is a litany of complaints against them and a warning not to answer to ANYTHING in that letter.
I actually thought just the opposite. You can't let callers ramble on and on. This is a radio show and people who are listening without seeing the video would lose interest.
Nilly, this is a very complex decision with lots of ramifications. Whatever money you spend on a competent CPA will be money well spent - an error can cost you much more! I am glad George and Jade actually told you to ask a professional and did not answer this one way or another. They are finally learning not to give advice in areas in which they are not expert.
Had a similiar issue with roof , that roof should last 30yrs , contact insurance company hopefully lean on roof company , if not sue the roofer , small claims or hire attorney for all the extra damage to house, God Bless U , best of luck
28:50 What is going on these days? We're cutting off mid sentence and hanging up on people to take a different call?? Get it together, guys. These people need help.
Cash, do NOT cash out your assets to pay your mother's mortgage. When you weaken your financial situation, you also limit your ability to help her. It sounds like she is not able to afford her house, and if that is true, then it is not your responsibility to pick up the slack. She may need a smaller place or to rent as if she is quite ill, she would not be able to take on all the responsibilities of home ownership which go beyond just making the mortgage payment. Every Dollar trainings are going on all the time - get her to listen to that and perhaps share her total financial situation with you so you can assist her with decisions.
Thanks for the breakdown! Could you help me with something unrelated: My OKX wallet holds some USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). Could you explain how to move them to Binance?
Caller #1: Why didn’t they ask what he does over the summer? And they missed the most obvious data point-the wife makes double, why can’t HE be the SAHP?
Vinny, as Jade and George pointed out, the math doesn't work here. If you make $32,000 a year, how is it that you are only bringing home $1300 a month (which is $15,600 a year). You are not paying 50% on taxes. George should not tell people, "Maybe you can teach college." He seems unaware that there are additional academic degrees to get for even an adjunct position teaching college, even at the community college level. If Vinny likes teaching Bible to middle schoolers, he can teach Sunday School or work with the youth department at his church. No way can they live on $32,000 a year if his wife gives up her $60,000 income to be a SAHM if they have a mortgage that is $2,500 a month for a $300,000 house! RS personalities give advice, they don't work miracles. Right now the wife is carrying the financial load (and probably has health insurance and retirement with her job). They would even be better off for her to continue working and him be the stay-at-home Dad (with a work from home job.) Someone who is telling you "God will provide" is using a cop-out b/c they want or need you to keep teaching at a very low salary (and you don't even mention if you are getting retirement and health insurance with your salary, but my guess is you are not.) Read I Timothy 5:8.
@@DericAnslum Yes - that's what I said above - but he also said later he brings home $1,300 a month when Jade asked him that question. And then Jade asked what the mortgage was and he said $2,500 - did you see her head snap up when he said that? He seems to think his $50,000 is a windfall - it's not. As George said, $50,000 lump sum does not replace a $60,000 additional income. The verses Jade used are Luke 14:28, 29.
I signed up for the webinar supposed to be happening today with Jade. I got no email confirmation or email with link to join. So where is this happening? There's nothing on the website about *Anywhere*. I understand there will be a replay, but where will it be? I never received anything after signing up several times AND choosing to receive texts. Ramsey solutions is a well oiled machined. What happened?
Vinny you are clueless my man. Get a better job, get certified, get a degreee. No way your wife is staying home at this level, especially in that ridiculous mortgage. Get some financial counseling befote making any more decisions. They can't possibly teach you all that on a 10 min call
The personalities talk to fast and hurry everyone through. They should stop emphasizing speed and emphasizing care and love for the caller. Not how fast they can talk
Luke, be careful about assuming responsibility for other people's decisions. If your organization is legal and following the law, people have the right to do what they choose within the limits of the law, even if they're making financial mistakes. I am sure you don't know everything about their lives, just what their financial situation permits you to offer them.
@@badlands9100 I never said he wasn't smart. Everyone knows he paid off their home and is a millionaire - but he also only has one small baby. Jade and her husband were mired in almost half a million dollars in student loan debt and also have gotten on a firm financial footing with older kids - much more difficult. I'm not saying everyone travels the same path. What I am saying is that when Jade is tuned in, she can empathize with the callers because she has been where they are. It's a MUCH more difficult task to get out of debt when you have older kids in the house and so much student loan debt!
I think it's because he's trying to give a kick in the butt to most callers. Most have been coddled by family, friends, or the industry. They need a wake up call
She would not get social security disability just b/c she has diabetes which he said was her health problem. Millions have it and work and clearly she is still able to work. SS disability means a person is unable to work. It's not that easy to get.
That would be a long way down the road for them and they still would not afford to pay all their bills and home maintenance, car repairs, etc. with that salary. The cost of a home is way more than just the mortgage.
Jade is great! George was very talkative and wanted to answer everything today. Jade was confident and patient with George. She really made the show.
The $10000 hvac you mean....we know and have the money ready. The quote was jaw dropping. Our mortgage is 15 percent of our after taxed income and we are saving $1000 a month for home maintenance. I highly suggest it as we are in year 20 and everything has been replaced at this point except the roof and now hvac is next. We want all new replacements by year 21 if possible to start fresh for our retirement years. God bless you and your savings plan~
Wow, great job today Jade! You let George talk and didn’t try to over power him. Love seeing your growth as an on air personality!! Keep it up!!
I'm favoured, $27K every week! I can now give back to the locals in my community and also support God's work and the church. God bless America.
As a beginner what do I need to do? How can I invest, on which platform? If you know any please share.
I know this lady you just mentioned. She's really good with and on her job. She's helped a couple of families and individuals' finances
She is really a good investment advisor.
I was privileged to attend some of her seminars, that's how I started my crypto investment
I have heard a lot of wonderful things about Anna Duke on the news but didn't believe it until now. I'm definitely trying her out
Started with 5,000$ and Withdrew profits
89,000$
Vinny can use the $50k to get certifications, attend a trade school, or get a higher degree. He has to change careers and make $90- $120k for his wife to stay home. He can teach bible study on the weekends. This call was for Ken Coleman.
My two favorite Ramsey personalities!
Me too, they’re so bubbly especially together.
Ditto
If Vinny feels called for one parent to sah, sounds like he’s the best one
Bahaha, funny comment. I'm sure him and his wife have talked about this. He was very clueless about money and finances though.
this the duo i like to see
If people truly followed your advice of a 15-year mortgage with a 25% debt ratio based on net income, it would completely crush the national real estate market. Median household income is ~$70k and median home prices are $400k+. Come on Ramsey Team…get real.
That will never happen so don't worry about it.
Put the money toward the mortgage and recast since it’s new.
Jade gave excellent advice to Matt with checking his credit report immediately (one of the reasons to actually HAVE a credit report, BTW). Matt should also have thought to google the reviews on that company. I did so, and there is a litany of complaints against them and a warning not to answer to ANYTHING in that letter.
Love these two!!!❤❤❤❤❤
Great Duo
Although it seems pointless, hitting the debt during residency can really help build that muscle
My two favorites together. Seems today they are cutting everyone off.
I actually thought just the opposite. You can't let callers ramble on and on. This is a radio show and people who are listening without seeing the video would lose interest.
Nilly, this is a very complex decision with lots of ramifications. Whatever money you spend on a competent CPA will be money well spent - an error can cost you much more! I am glad George and Jade actually told you to ask a professional and did not answer this one way or another. They are finally learning not to give advice in areas in which they are not expert.
Had a similiar issue with roof , that roof should last 30yrs , contact insurance company hopefully lean on roof company , if not sue the roofer , small claims or hire attorney for all the extra damage to house, God Bless U , best of luck
28:50 What is going on these days? We're cutting off mid sentence and hanging up on people to take a different call?? Get it together, guys. These people need help.
But some people's problems are beyond the help a call-in radio show can give!
AGREE
Don’t forget also mini interruptions they absolutely always interrupting the colors
Where’s the link for the webinar on Tuesday the 29?😢
Cash, do NOT cash out your assets to pay your mother's mortgage. When you weaken your financial situation, you also limit your ability to help her. It sounds like she is not able to afford her house, and if that is true, then it is not your responsibility to pick up the slack. She may need a smaller place or to rent as if she is quite ill, she would not be able to take on all the responsibilities of home ownership which go beyond just making the mortgage payment. Every Dollar trainings are going on all the time - get her to listen to that and perhaps share her total financial situation with you so you can assist her with decisions.
Thanks for the breakdown! Could you help me with something unrelated: My OKX wallet holds some USDT, and I have the seed phrase. (alarm fetch churn bridge exercise tape speak race clerk couch crater letter). Could you explain how to move them to Binance?
Caller #1: Why didn’t they ask what he does over the summer? And they missed the most obvious data point-the wife makes double, why can’t HE be the SAHP?
My computer screen broke when Jade appeared in the air.😅
Vinny, as Jade and George pointed out, the math doesn't work here. If you make $32,000 a year, how is it that you are only bringing home $1300 a month (which is $15,600 a year). You are not paying 50% on taxes. George should not tell people, "Maybe you can teach college." He seems unaware that there are additional academic degrees to get for even an adjunct position teaching college, even at the community college level. If Vinny likes teaching Bible to middle schoolers, he can teach Sunday School or work with the youth department at his church. No way can they live on $32,000 a year if his wife gives up her $60,000 income to be a SAHM if they have a mortgage that is $2,500 a month for a $300,000 house! RS personalities give advice, they don't work miracles. Right now the wife is carrying the financial load (and probably has health insurance and retirement with her job). They would even be better off for her to continue working and him be the stay-at-home Dad (with a work from home job.) Someone who is telling you "God will provide" is using a cop-out b/c they want or need you to keep teaching at a very low salary (and you don't even mention if you are getting retirement and health insurance with your salary, but my guess is you are not.) Read I Timothy 5:8.
Absolutely great to have him stay at home..or downsize to a cheaper house The house even paid in full is too expensive.
...he very clearly said $32k after taxes...
@@DericAnslum Yes - that's what I said above - but he also said later he brings home $1,300 a month when Jade asked him that question. And then Jade asked what the mortgage was and he said $2,500 - did you see her head snap up when he said that? He seems to think his $50,000 is a windfall - it's not. As George said, $50,000 lump sum does not replace a $60,000 additional income. The verses Jade used are Luke 14:28, 29.
I signed up for the webinar supposed to be happening today with Jade. I got no email confirmation or email with link to join. So where is this happening? There's nothing on the website about *Anywhere*. I understand there will be a replay, but where will it be? I never received anything after signing up several times AND choosing to receive texts. Ramsey solutions is a well oiled machined. What happened?
Vinny you are clueless my man. Get a better job, get certified, get a degreee. No way your wife is staying home at this level, especially in that ridiculous mortgage. Get some financial counseling befote making any more decisions. They can't possibly teach you all that on a 10 min call
Many of those 'xtext job" are from india
It's 18 grand per year for gifting 2024 and 19k 2025
If you haven't noticed, they have dumbed the calls down, as none of these folks can handle an in-depth investment question, other than Dave. Painful -
The personalities talk to fast and hurry everyone through. They should stop emphasizing speed and emphasizing care and love for the caller. Not how fast they can talk
Agree 1000%
Luke, be careful about assuming responsibility for other people's decisions. If your organization is legal and following the law, people have the right to do what they choose within the limits of the law, even if they're making financial mistakes. I am sure you don't know everything about their lives, just what their financial situation permits you to offer them.
Does anybody else immediately switch off when they see Jade Warshaw on the show? 😂 cannot stand her
I always wonder if insurance companies commit crimes to boost sales
George is often condescending and Jade probes more for additional information before responding in this show.
George is smart! And who paid off their home, and still a millionaire, Uh! GEORGE DID!
@@badlands9100 ...75% is home equity...so...
@@badlands9100 I never said he wasn't smart. Everyone knows he paid off their home and is a millionaire - but he also only has one small baby. Jade and her husband were mired in almost half a million dollars in student loan debt and also have gotten on a firm financial footing with older kids - much more difficult. I'm not saying everyone travels the same path. What I am saying is that when Jade is tuned in, she can empathize with the callers because she has been where they are. It's a MUCH more difficult task to get out of debt when you have older kids in the house and so much student loan debt!
I think it's because he's trying to give a kick in the butt to most callers. Most have been coddled by family, friends, or the industry. They need a wake up call
Where’s Dave and why has Jade been on so much recently
He's been on tour
Mark your wife needs to apply for disability for herself. She needs to contact a disability/ social security lawyer ASAP
She would not get social security disability just b/c she has diabetes which he said was her health problem. Millions have it and work and clearly she is still able to work. SS disability means a person is unable to work. It's not that easy to get.
Bitcoin is pumping
And- they need to take that $50,000 and pay down their house. They only put 8% down and owe around 300,000!
Bible teacher..should they save and pay off their mortgage ?
That would be a long way down the road for them and they still would not afford to pay all their bills and home maintenance, car repairs, etc. with that salary. The cost of a home is way more than just the mortgage.
@@Trustbutverify2651what about the $50,000 he is getting?
Dang, yall did that guy Vinny wrong telling him to get off his butt after he just told you he works full time
Or bad info I’m sure😊
Dave takes more time off than Howard Stern 😖
Yy