It’s about understanding how to grow and protect what you have while avoiding costly mistakes. I’ve been saving, but I feel like I need to take it up a notch if I want to retire comfortably
Absolutely. It’s not just about how much you save-it’s about how you invest it. I’ve been focusing on my 401(k), but with inflation eating into everything, I know that alone won’t cut it. Balancing risk and long-term growth seems more important than ever
You’re so right. I used to think that if I just saved enough, I’d be fine. But after the 2020 market crash, I realized how fragile things can be if you don’t have a proper strategy. It’s not just about earning-it’s about making the right moves with what you’ve got
I’ve been managing my portfolio myself, but it’s clear I’m missing some critical strategies. I’m worried I’m not diversifying enough or planning for the long haul. Does anyone have advice or maybe a recommendation for an investment advisor?
If you’re looking for an advisor, I’d say, look into Joseph Nick Cahill. He’s a CFA with a stellar reputation for helping people grow their portfolios and make informed financial decisions. His approach goes beyond numbers-he focuses on avoiding common pitfalls and tailoring strategies to individual goals.
My CFA, Joseph Nick Cahill, is a renowned figure in his field. I recommend researching his name online; you'll find all his credentials and everything you need to work with a reliable professional. With many years of experience, he is a valuable resource for anyone looking to navigate the financial market.
20:24 I cannot even begin to imagine what it must be like to have a family as supportive and honest with each other as much as Dave Ramsey’s. If you have that, do not take it for granted. My parents had no business having kids. A family doesn’t exist for me.
I'm currently taking FPU through my church and I'm obsessed with the course. I have to make myself wait to watch the next weeks video (currently in week 5) which is why I'm listening to a bunch of the Ramsey show recordings. It gives me peace of mind to have a simple track to follow to achieve financial peace, and the lessons have caused me to have great conversations with my parents and FPU instructors. I think the couple that did their debt free scream in this episode is a golden example that anyone can achieve their financial dreams by putting in the work, working as a team, and following the baby steps. I have asked my instructor if we can share the clip of their debt free scream during our next class session cause I think their story is inspiring!
Investment is currently the most lucrative business in the world. Both real estate, Stock, and Cryptocurrencies are positively changing people's lives.
Same here, I believe the Bitcoin ETFs approval will be life changing opportunity for us, with my current portfolio of $108,000 from my investments with my personal financial advisor i totally agree with you
I watched Hammer for a few months but then got tired of his schtick. We get it, people need financial literacy, but the yelling, yelling, yelling. Too bad, I liked the in-depth accounting.
Regardless of who is right and wrong about paying off the house or investing first, the most important thing is being on the same page and finding a common goal. Maybe even meeting in the middle. A little extra on the house each month, and a little exyra in the investment. That way neither of you ends up being bitter.
If the 12% is somehow guaranteed, vs a 2.5% loan, this is an easy math problem. Dave just likes to stand by his Baby Steps, even when the math doesn’t support his philosophy of wealth building.
@@PrincessLolly1he’s more on the emotional side of money. Yes there’s some facts to it. But he implements god into it and emotions. Which does make sense. The emotional satisfaction of paying off your mortgage is probably extraordinary, also probably relieving that you personally own your home. Also that “12%“ isn’t gaurenteed but paying down your mortgage and getting rid of that 2.5% is.
@@PrincessLolly1If the 12% is guaranteed it take out the biggest loan I could get my hands on for 2.5%, problem is though, that those high rates are never guaranteed……
Lol none of it is guaranteed princess, EVER. and having debt always has a risk portion. Having debt always has a mental tax too. I agree with OP. So many people get married but haven't aligned any goals, values, expectations, etc and it manifests in financial problems and arguments
I was really hoping he would offer her a coach. And I remember him saying to get a divorce lawyer who is so slimy and mean that you didn't want to be in the same room with them. She doesn't need some marshmallow, she needs a strong man or woman who will fight for her.
Pay only what you can comfortably afford towards the wedding. Set a limit. Reimburse the child when they send you the receipt or pay directly to the venue.
What are heartbreak 💔 He has a gambling problem. You need to separate yourself from him. He is a raging gambling addict. You need to break the cycle darling.
That whole rant when that poor girl said something positive about Biden made it more clear than ever how deep Dave is in the Trump cult. The girl was mistaken, for sure. But Dave's reaction was ridiculous.
Yeah he got triggered big time with that word Biden lol. There are several programs that have been improved in the last 4 years, regardless of whether they 'began' before his presidency. His department actually improved some things. I don't like Biden, but I can still give his admin some credit for improving these programs.
Some of these programs required some ridiculous documentation to get approved and technicalities were keeping people from forgiveness. This has been improved the last couple of years, chill Dave
Question for the savvy investors here: Should I try to pay off my mortgage at 3.5% or invest in my 401k. I'm 5 years away from FRA. Please advise. I've got my ER fund already. Will be debt free but the mortgage next year.
Step 1: Save $1,000 for your starter emergency fund. Step 2: Pay off all debt (except the house) using the debt snowball. Step 3: Save 3-6 months of expenses in a fully funded emergency fund. Step 4: Invest 15% of your household income in retirement. Step 5: Save for your children’s college fund. Step 6: Pay off your home early. Step 7: Build wealth and give. You are currently at baby step 2. Payoff your mortgage is not until step 6. To answer your question, yes you should invest in your 401K before paying off your mortgage.
Alot of nurses marry what the rest of us would consider "chronic patients", so they always have someone to take care of....which continually feeds that identity. I don't know a single nurse who doesn't read something they're signing. There's some codependency here on the nurse's part.....maybe he'll get better. Gurl he's committing legal and emotional felonies. Get out!!! Get Your paycheck and get another place to live! Force the sale of that house! Quit expecting him to rehabilitate!!!!!
I have a ton of respect for anyone who pays off their house early. It's an amazing accomplishment. However, it's infuriating to hear Dave claim that someone is "WRONG" when they choose to invest extra instead of paying off a 2.5% mortgage. There are multiple ways to become wealthy. The only time it is "wrong" is if your name is Dave Ramsey. For everyone else, it is actually RIGHT. Delaying investing is one of the worst mistakes you can make. When it comes to compound interest, you CANNOT make up for lost time - especially if you are in your 20s and 30s. Once you are in your 40s & 50s, the difference becomes less drastic. I get that Dave is a man of principle and, if being debt free is your financial goal, then pay off your mortgage ASAP! But NEVER think that you are making a bad choice by choosing financial responsibility to invest extra money instead of paying off a dirt-cheap mortgage, ESPECIALLY if you are young or early in your wealth-building journey.
Dave talks about the fact that by February, most people have given up on going to the gym they signed up for. I bought a treadmill, an exercise bike and a stepper that were all preowned because people were sick and tired of having them in their houses because it made them feel guilty. I didn't have to worry about going out in bad weather or fitting it into my schedule because I could do it at any time depending on my work. There are great exercise videos you can watch so you don't need a personal trainer. Just my two cents, lol.
I mean this in the most respectful/constructive way possible - Jade needs to stop interrupting Dave or making small noises when he’s talking. It’s extremely distracting. I love how Rachel, George, and Ken are when they co-host with Dave.
I agree, she has lightened up a bit but it is so distracting. So many of the questions are serious and I imagine that the caller is listening intently and keeps hearing the interuptions. Fortunately, they can go back and watch the podcast so they can absorb all the details but it would drive me crazy if I finally got through to him and she kept interrupting.
I wrote a reply but it didn't post. So I'll try again. I find her constant interruptions to be a terrible distraction. If I were a caller listening intently to a Dave has to say and would constantly hear her little comments here and there I would be confused. Fortunately the Call can listen to a podcast over and over again so that they don't miss all the great information that Dave gave them.
Yes this is called borrowers defense you have to apply for it so I’m surprised the caller didn’t know more I waited for about 8 years for mine to be discharged and refunded
Budget? I’m in good shape for retirement for one reason only. And that’s because I’ve made a good amount money more than I’ve spent for over 20 years. But I’ve spent well and enjoyed life. Gotta have income.
And budgeting is one way of getting in control of the amount you are spending. Most people who do not budget are spending a lot more than they realise. It is a combination of both budgeting AND having income that results in success. Only doing one (or worse, none) is a recipe for failure.
38:16 Dave is under the impression that Coach bags are expensive. Well, compared to Wal-Mart or Target bags, they are. But compared to high end designer bags, they are on the low end if the totem pole cost wise. In fact, many would argue that Coach bags aren't designer bags. Dave needs to say Chanel, Prada, Hermes, Bottega Veneta instead of Coach.😉
I've bought most of my designer bags at outlets and thrift stores. Coach is my favorite and I've never seen any of the others at those places. And I agree, he should say Louis Vuitton.
He just says it as an example because people relate to it. It doesn't matter if it's technically the most expensive. Just like people rip on McDonald's for fast food when there are 100s of fast food places.
Dear Marta, Divorce is not always the answer!! I don’t AGREE with Dave!!! The best solution is to get separate bank accounts. He has a gambling & stealing problem. Yes he needs serious counseling BUT not DIVORCE!!! When I first married my husband I tried to put him on my bank account but the bank wouldn’t let him because of negative accounts he had with his bank 🏦 16 years later I realized they saved me from financial ruin!! I love my husband ❤but our $$$ is not joined together.
This man isn't just spending too much. He is an addict who has stolen from her and from their son. He is saying it is her fault. He is a liar and a manipulator. There is no marriage left to save.
Serious question about this study of 10,000 millionaires. I would guess the majority of them had bought homes in the 80s or 90s when interest rates were much higher and it made the most sense to pay off the mortgage. And then just by sitting on their home for decades they by default became millionaires. But it's really hard to make the same argument if someone has a 2.5% interest rate and markets right now are easily paying 10%.
Who is going to answer "I became a millionaire by choosing to pay less on a low interest loan and investing that money" anyway? Nobody. That's just one decision of many in choosing to invest. They'll just say, "I invested". It's preposterous that Dave indicates nobody saying it's the primary reason means that nobody did it. Nobody answered "avoiding Starbucks" or "not buying new cars" either, but that doesn't mean they don't help.
Of course nobody is going to answer that "leveraging their home" is what made them a millionaire. People are going to attribute it to their careers and their investments. Even if they did it by investing money that could have paid off their home, they are just going to say it was investing, plain and simple. Even for people who operate by the math, the choice to invest over paying off a mortgage is just one of many investment choices and nobody is ever going to solely say that is the reason. Just like it's not a good idea to buy new cars, but nobody's going to say that's what makes a millionaire, even if it's good practice and a good decision on the road to it. It's just ridiculous to think anyone would have answered that as the primary reason. Listen to your CPA husband girl.
He controlled all the accounts and the finances and she was happy just go along with everything he said. This is why couples, NEVER let your other half control stuff without explaining it to you or giving you visibility.
I've been looking into cryptocurrency investments, but I'm still unsure about the best and safest way to go about it. Any advice or insights you could share?
Maren Hilda Authurs is a highly sought out advisor who I found on a CNBC interview where she was featured, she understands the job perfectly. I recommend her
Maren Hilda Authurs is actually the one that guides me. I think the wisest thing that should be on every individual's list is to invest in different stream of income. I'm earning more this year because I have been investing while working at the same time.
Caller is INCORRECTLY crediting the disaster, which is the Biden/Harris administration, for student loan forgiveness when the program she benefited from was put in place under Bush. Do facts hurt your feelings?
Oh, I see by your history as well that you're the dummy who kept justifying Kamala hiding from interviews because Ramsey "isn't on her list" 😂 get fuq'd, Trump won
@BriEly3 is there anything written in his name or don't you ever ask where the hell is the money from or you don't care either way then attended a J W service see if it's free
There’s a whole industry of selling the male dream of a beautiful (often much younger) woman who want copious daily s-x, cleans and cooks without complaint (and expects you to do nothing in return) is submissive and demure and most importantly, lives life to satisfy all her husbands needs.
It’s about understanding how to grow and protect what you have while avoiding costly mistakes. I’ve been saving, but I feel like I need to take it up a notch if I want to retire comfortably
Absolutely. It’s not just about how much you save-it’s about how you invest it. I’ve been focusing on my 401(k), but with inflation eating into everything, I know that alone won’t cut it. Balancing risk and long-term growth seems more important than ever
You’re so right. I used to think that if I just saved enough, I’d be fine. But after the 2020 market crash, I realized how fragile things can be if you don’t have a proper strategy. It’s not just about earning-it’s about making the right moves with what you’ve got
I’ve been managing my portfolio myself, but it’s clear I’m missing some critical strategies. I’m worried I’m not diversifying enough or planning for the long haul. Does anyone have advice or maybe a recommendation for an investment advisor?
If you’re looking for an advisor, I’d say, look into Joseph Nick Cahill. He’s a CFA with a stellar reputation for helping people grow their portfolios and make informed financial decisions. His approach goes beyond numbers-he focuses on avoiding common pitfalls and tailoring strategies to individual goals.
My CFA, Joseph Nick Cahill, is a renowned figure in his field. I recommend researching his name online; you'll find all his credentials and everything you need to work with a reliable professional. With many years of experience, he is a valuable resource for anyone looking to navigate the financial market.
20:24 I cannot even begin to imagine what it must be like to have a family as supportive and honest with each other as much as Dave Ramsey’s. If you have that, do not take it for granted. My parents had no business having kids. A family doesn’t exist for me.
@@sophiejames1802 I agree with you. My parents had no businesses having children 😪
I'm currently taking FPU through my church and I'm obsessed with the course. I have to make myself wait to watch the next weeks video (currently in week 5) which is why I'm listening to a bunch of the Ramsey show recordings. It gives me peace of mind to have a simple track to follow to achieve financial peace, and the lessons have caused me to have great conversations with my parents and FPU instructors. I think the couple that did their debt free scream in this episode is a golden example that anyone can achieve their financial dreams by putting in the work, working as a team, and following the baby steps. I have asked my instructor if we can share the clip of their debt free scream during our next class session cause I think their story is inspiring!
I'm glad you made this video it reminds me of my transformation from a nobody to good home, $34k monthly and a good daughter full of love
My advice to everyone is that saving is great but investment is the key to be successful imagine investing $15,000 and received $472,700.
Investment is currently the most lucrative business in the world. Both real estate, Stock, and Cryptocurrencies are positively changing people's lives.
Life is easier when the cash keeps popping in, thanks to Elizabeth Regina Nelsen's services. Glad she's getting the recognition she deserves
People are ignorant of profitablity in bitcoin investment and that has been the major issues limiting their expectations
Same here, I believe the Bitcoin ETFs approval will be life changing opportunity for us, with my current portfolio of $108,000 from my investments with my personal financial advisor i totally agree with you
God knows best, follow His ways. Money and all 💵 👍 thank you Lord for waking Dave up when young and now he’s being a blessing to others!! ❤🙏
that debt free scream story was amazing. Truly inspiring!
Been watching Caleb hammer and Ramsey. I’ll say Ramsey plan should be recommended to all of Caleb Hammer’s guest.
I watched Hammer for a few months but then got tired of his schtick. We get it, people need financial literacy, but the yelling, yelling, yelling. Too bad, I liked the in-depth accounting.
I'm only 35 minutes in and it's a great show!!
A great book to read is The Psychology of Money..
Regardless of who is right and wrong about paying off the house or investing first, the most important thing is being on the same page and finding a common goal. Maybe even meeting in the middle. A little extra on the house each month, and a little exyra in the investment. That way neither of you ends up being bitter.
If the 12% is somehow guaranteed, vs a 2.5% loan, this is an easy math problem.
Dave just likes to stand by his Baby Steps, even when the math doesn’t support his philosophy of wealth building.
@@PrincessLolly1he’s more on the emotional side of money. Yes there’s some facts to it. But he implements god into it and emotions. Which does make sense. The emotional satisfaction of paying off your mortgage is probably extraordinary, also probably relieving that you personally own your home. Also that “12%“ isn’t gaurenteed but paying down your mortgage and getting rid of that 2.5% is.
@@PrincessLolly1If the 12% is guaranteed it take out the biggest loan I could get my hands on for 2.5%, problem is though, that those high rates are never guaranteed……
Lol none of it is guaranteed princess, EVER. and having debt always has a risk portion. Having debt always has a mental tax too. I agree with OP. So many people get married but haven't aligned any goals, values, expectations, etc and it manifests in financial problems and arguments
"I want to move up to this decade "(with my car). When I upgraded I had to move up to this MILLENNIUM lol
If Ramsey is saying get a divorce attorney, it's serious. Get out! I am so sorry for Marta going through this.
I was really hoping he would offer her a coach. And I remember him saying to get a divorce lawyer who is so slimy and mean that you didn't want to be in the same room with them. She doesn't need some marshmallow, she needs a strong man or woman who will fight for her.
Women, please stop being ignorant on finances in your marriage! Lady, get a divorce
It is rare that he makes that suggestion.
Pay only what you can comfortably afford towards the wedding. Set a limit. Reimburse the child when they send you the receipt or pay directly to the venue.
What are heartbreak 💔 He has a gambling problem.
You need to separate yourself from him. He is a raging gambling addict. You need to break the cycle darling.
Ordered your book Jade!
That whole rant when that poor girl said something positive about Biden made it more clear than ever how deep Dave is in the Trump cult. The girl was mistaken, for sure. But Dave's reaction was ridiculous.
Yeah he got triggered big time with that word Biden lol. There are several programs that have been improved in the last 4 years, regardless of whether they 'began' before his presidency. His department actually improved some things. I don't like Biden, but I can still give his admin some credit for improving these programs.
Some of these programs required some ridiculous documentation to get approved and technicalities were keeping people from forgiveness. This has been improved the last couple of years, chill Dave
That's an ironic comment. The whole USA is a cult, sir.
@@TulsaDude What program has been improved.
Question for the savvy investors here: Should I try to pay off my mortgage at 3.5% or invest in my 401k. I'm 5 years away from FRA. Please advise. I've got my ER fund already. Will be debt free but the mortgage next year.
Step 1: Save $1,000 for your starter emergency fund.
Step 2: Pay off all debt (except the house) using the debt snowball.
Step 3: Save 3-6 months of expenses in a fully funded emergency fund.
Step 4: Invest 15% of your household income in retirement.
Step 5: Save for your children’s college fund.
Step 6: Pay off your home early.
Step 7: Build wealth and give.
You are currently at baby step 2. Payoff your mortgage is not until step 6. To answer your question, yes you should invest in your 401K before paying off your mortgage.
@@angelinealfred1096 steps 4,5 and 6 all happen concurrently
Alot of nurses marry what the rest of us would consider "chronic patients", so they always have someone to take care of....which continually feeds that identity. I don't know a single nurse who doesn't read something they're signing. There's some codependency here on the nurse's part.....maybe he'll get better. Gurl he's committing legal and emotional felonies. Get out!!! Get Your paycheck and get another place to live! Force the sale of that house! Quit expecting him to rehabilitate!!!!!
A lot of nurses are also victims of romance scams.
I have a ton of respect for anyone who pays off their house early. It's an amazing accomplishment.
However, it's infuriating to hear Dave claim that someone is "WRONG" when they choose to invest extra instead of paying off a 2.5% mortgage. There are multiple ways to become wealthy. The only time it is "wrong" is if your name is Dave Ramsey. For everyone else, it is actually RIGHT. Delaying investing is one of the worst mistakes you can make. When it comes to compound interest, you CANNOT make up for lost time - especially if you are in your 20s and 30s. Once you are in your 40s & 50s, the difference becomes less drastic.
I get that Dave is a man of principle and, if being debt free is your financial goal, then pay off your mortgage ASAP! But NEVER think that you are making a bad choice by choosing financial responsibility to invest extra money instead of paying off a dirt-cheap mortgage, ESPECIALLY if you are young or early in your wealth-building journey.
Would Ramsey gives advise on whether we should join a gym or do workouts at home? Gym membership is not cheap and we need regular exercise.
Of course he would. It depends on what baby step you are on :)
Dave talks about the fact that by February, most people have given up on going to the gym they signed up for. I bought a treadmill, an exercise bike and a stepper that were all preowned because people were sick and tired of having them in their houses because it made them feel guilty. I didn't have to worry about going out in bad weather or fitting it into my schedule because I could do it at any time depending on my work. There are great exercise videos you can watch so you don't need a personal trainer. Just my two cents, lol.
Depends on your overall budget.
I mean this in the most respectful/constructive way possible - Jade needs to stop interrupting Dave or making small noises when he’s talking. It’s extremely distracting. I love how Rachel, George, and Ken are when they co-host with Dave.
I agree, she has lightened up a bit but it is so distracting. So many of the questions are serious and I imagine that the caller is listening intently and keeps hearing the interuptions. Fortunately, they can go back and watch the podcast so they can absorb all the details but it would drive me crazy if I finally got through to him and she kept interrupting.
I wrote a reply but it didn't post. So I'll try again. I find her constant interruptions to be a terrible distraction. If I were a caller listening intently to a Dave has to say and would constantly hear her little comments here and there I would be confused. Fortunately the Call can listen to a podcast over and over again so that they don't miss all the great information that Dave gave them.
I don't even notice. It was a great show 😊
AGREE Said Jay quit it quit all those interruptions quit it!!
Is there a reason why Paula can’t string a sentence together or give a straight answer to a question?
Yes this is called borrowers defense you have to apply for it so I’m surprised the caller didn’t know more I waited for about 8 years for mine to be discharged and refunded
Budget? I’m in good shape for retirement for one reason only. And that’s because I’ve made a good amount money more than I’ve spent for over 20 years. But I’ve spent well and enjoyed life. Gotta have income.
And budgeting is one way of getting in control of the amount you are spending. Most people who do not budget are spending a lot more than they realise.
It is a combination of both budgeting AND having income that results in success. Only doing one (or worse, none) is a recipe for failure.
@ not an interest for me. I’m interested in investing at this point. And my snowball is sufficient to throw off a lot of income.
38:16 Dave is under the impression that Coach bags are expensive. Well, compared to Wal-Mart or Target bags, they are. But compared to high end designer bags, they are on the low end if the totem pole cost wise. In fact, many would argue that Coach bags aren't designer bags. Dave needs to say Chanel, Prada, Hermes, Bottega Veneta instead of Coach.😉
I've bought most of my designer bags at outlets and thrift stores. Coach is my favorite and I've never seen any of the others at those places. And I agree, he should say Louis Vuitton.
He just says it as an example because people relate to it. It doesn't matter if it's technically the most expensive.
Just like people rip on McDonald's for fast food when there are 100s of fast food places.
Jade rocking that jade 👌🏿
Dear Marta, Divorce is not always the answer!! I don’t AGREE with Dave!!! The best solution is to get separate bank accounts. He has a gambling & stealing problem. Yes he needs serious counseling BUT not DIVORCE!!! When I first married my husband I tried to put him on my bank account but the bank wouldn’t let him because of negative accounts he had with his bank 🏦 16 years later I realized they saved me from financial ruin!! I love my husband ❤but our $$$ is not joined together.
Did you not listen? They had tried counseling a few times and she said he wouldn't work with the program.
In this case, sadly divorce is the answer
This man isn't just spending too much. He is an addict who has stolen from her and from their son. He is saying it is her fault. He is a liar and a manipulator. There is no marriage left to save.
Serious question about this study of 10,000 millionaires. I would guess the majority of them had bought homes in the 80s or 90s when interest rates were much higher and it made the most sense to pay off the mortgage. And then just by sitting on their home for decades they by default became millionaires. But it's really hard to make the same argument if someone has a 2.5% interest rate and markets right now are easily paying 10%.
Who is going to answer "I became a millionaire by choosing to pay less on a low interest loan and investing that money" anyway? Nobody. That's just one decision of many in choosing to invest. They'll just say, "I invested". It's preposterous that Dave indicates nobody saying it's the primary reason means that nobody did it. Nobody answered "avoiding Starbucks" or "not buying new cars" either, but that doesn't mean they don't help.
If you’re looking at your home as only an investment vehicle then sure. It’s mainly about freedom and reducing exposure to risk.
55:10 slick marketing at work, she was duped
Of course nobody is going to answer that "leveraging their home" is what made them a millionaire. People are going to attribute it to their careers and their investments. Even if they did it by investing money that could have paid off their home, they are just going to say it was investing, plain and simple. Even for people who operate by the math, the choice to invest over paying off a mortgage is just one of many investment choices and nobody is ever going to solely say that is the reason. Just like it's not a good idea to buy new cars, but nobody's going to say that's what makes a millionaire, even if it's good practice and a good decision on the road to it. It's just ridiculous to think anyone would have answered that as the primary reason. Listen to your CPA husband girl.
Were Trump University's student loans forgiven?
That was a "debt-free statement, " NOT a debt-free scream.
They cared more for their baby than pleasing you
@@Moni-c7k I understand their reason. Still, that was NOT a scream.
You don’t need to scream to show excitement
@@Briely3 The family was not there to do a "debt-free excitement."
@myoldvhstapes OK, let them go back another day without the baby. Is that satisfactory my dear?
How does someone take money out of your retirement without you knowing it
Right?
He was her spouse with all of the log-ins. You can request the loan/withdrawal online.
@@celebrationcruisetrip5735that’s scary for these types of situations.
He controlled all the accounts and the finances and she was happy just go along with everything he said. This is why couples, NEVER let your other half control stuff without explaining it to you or giving you visibility.
He STOLE it through forgery
Proverbs 31 says {WHO} can find a virtuous wife??? That means she doesn't exist or has not been discovered.
Brody - sell the wife
I've been looking into cryptocurrency investments, but I'm still unsure about the best and safest way to go about it. Any advice or insights you could share?
Talking to an expert like Maren Hilda Authurs to reshape your portfolio is a very smart move.
Who's she please
Maren Hilda Authurs is a highly sought out advisor who I found on a CNBC interview where she was featured, she understands the job perfectly. I recommend her
Maren Hilda Authurs is actually the one that guides me. I think the wisest thing that should be on every individual's list is to invest in different stream of income. I'm earning more this year because I have been investing while working at the same time.
I do see it that forex and crypto trading is one of the profitable money exchange services that elevates investors and their financial status.
Only date people who are debt free. I am tired of these calls every single freaking day. It's like people don't listen to the show.
Well, they probably were dating PRIOR to finding Dave. But I agree...date only debt free people.
@@Rashaadthegr8 that’s not really a first question that you ask a person that you’re interested in. I can’t imagine the looks I would’ve gotten 🤣
@BriEly3 I ask people that within the first week. I guess you like wasting time.
@@Rashaadthegr8 nope been married for 13 years
@@Briely3 Ok. Congratulations 👏🏾🎉. Are y'all in debt?
How does someone not go to jail for this?!
Be more specific
What are you talking about?
Oh, Dave. Opportunity to slam Biden
Enough with the politics aren't you tired of it yet
Lol Biden gave those opportunities daily for years!😂
Caller is INCORRECTLY crediting the disaster, which is the Biden/Harris administration, for student loan forgiveness when the program she benefited from was put in place under Bush.
Do facts hurt your feelings?
Oh, I see by your history as well that you're the dummy who kept justifying Kamala hiding from interviews because Ramsey "isn't on her list" 😂 get fuq'd, Trump won
@Opus4p how did that "I can't wait to cancel out Dave's vote" work out? 😂 Trump 2024, dork
For Trump though, he is a business owner himself, so he has actually made jobs, lol
What do you owe these people money for did you screw jesus out of creating his own loans for his people
Huh? 🤔
@BriEly3 is there anything written in his name or don't you ever ask where the hell is the money from or you don't care either way then attended a J W service see if it's free
@BriEly3 the tax write off is
Try again, but english this time
@@YouMissedBro 😂
I’m so confused haha
AVP 👽
For me ...the holiday season / ..for them ...the holiday season/ I'll try ,/ ... Kenua at the cell phone place / ..but worth
Reading comments, sorry men are creepy when they seek women from the Philippines, etc.
There’s a whole industry of selling the male dream of a beautiful (often much younger) woman who want copious daily s-x, cleans and cooks without complaint (and expects you to do nothing in return) is submissive and demure and most importantly, lives life to satisfy all her husbands needs.