Impose Your Will on Your Money With a Budget! | June 27, 2024
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- เผยแพร่เมื่อ 26 มิ.ย. 2024
- The Ramsey Show (June 27, 2024)
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Dave Ramsey & Rachel Cruze answer your questions and discuss:
- "How do I move forward after getting fired?"
- "When is the right time to buy a house?"
- "I make $100K and live paycheck-to-paycheck,"
- Who is responsible for paying Parent PLUS loans: students or parents?
- Dave responds to Rachel and Ken's advice about selling Taylor Swift tickets (his answer may surprise you)
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Dave Ramsey is on fire! I sure missed him. He has such a unique gift that although he created and follows his principles, he thinks and gives others outside the box thoughts and solutions whereas other personalities are just stuck in his principles and lack creativity. Thank you so much Dave Ramsey for all that you do!!
Jade is great at getting others to think outside of the box as well. Because of the debt she paid off, it's hard for her to get stuck. However, her challenge is not being too knowledgeable on investing and wealth building.
Ken really makes people think. He really digs deep.
@@Iamearlbrownagree
This was the first Ramsey episode I have ever seen with a technical difficulty. I have watched every episode since 2014.
Someone’s gonna get yelled at. Lol
It’s the first time I’ve seen it affect the live show, but several of the recent streams have had difficulties.
@@stevenpatton2180 oh, yes, that’s a give in. Whoever posts the streams on YT loves to upload the segment in the wrong order. Hahaha
The tech guys needs to be dressed better in the future. lol
I've seen the screen in the background crap out but nothing that actually interrupted the show.
Congratulations to all you rich/ financially sound folks out there. We only get one life and you all figured it out!
Jeez, budget! We did this the first month we were married and we were 18 and 21 when we started in the 80's and had no money back then. One time after paying the bills, put gas in the car, got our groceries, put some money in our savings which was only $250 dollars, we literally had 10 bucks in our pocket! We we out for ice cream that night - LOL!!! Things are waaaayyyy better now, in our late 50's and we still budget. Always need to have a finger on the pulse and good communication as well. We even let each other know when we're purchasing stuff on Amazon - it's called respect.
Consider yourself blessed... not all of us marry a spouse that is on the same page (people pretend) and then we have to spend years cleaning up their messes! Divorce was the best thing I did for myself in all areas of my life! 29 years later, I'm cleaning up divorce debt. I'll be debt fee Christmas 2025.
"Be dashing doors as soon as you get off the phone dude", love Dave Ramsey. Hes just the dad we need and the tough love is both tough and can feel the love. Hes quiet and listening and asking at first...then the Dave we know and love fills the rest out.
Logan I don't know if you'll read this comment but I just watched your segment I am doordashing 12 hours a day 6 days a week I know it's not a dream job for anyone but doing that I make over $1,000 a week sometimes up to 1300 so if you can commit yourself to it even though you won't have a life for a while you can make the money you need to get through this until you find a more stable job you can do it I believe in you I'm in the same situation as you financially except I have rent to pay. With doordash when you start out you have to get on the schedule but after you do a certain number of deliveries then you upgrade to a Platinum Status and you can Dash whenever you want so if you just get through that initial stage it might take you a few weeks getting on the schedule week in advance
That's great for the short term. Just be aware of all of the depreciation you're putting on your car. I did Uber and put 40k miles on my Jeep Wrangler. Cost probably $3,000 in depreciation.
@user-xt6tw4fr4w ya definitely...but sometimes you don't have a choice...it's do that or be broke and can't pay bills. It is a price to pay comes with the territory
1st call tech difficulties: Dave made it through the irritating noise distraction
The segment where Dave CRITIQUES YOUR ADVICE IS EVERYTHINGGGGGHH
I Love Rachels spunk!!😊
I have a feeling her kids will go where they "fit" and they can afford anything. I know the "no discussion" wasn't fun. I'm sure other schools wouldn't be that much more money but Dave had control and I hope it was worth it. Sounds like a horrible college. My kids colleges had much better graduation rates
By choice, I have two jobs. My second is cleaning houses...I thought that this job was going to be drudgery, can't wait to quit, I'm going to hate this job. I'm having fun and I really like the job. At this second job, there was a divorcee, whom I was helping to make beds. I was trying to tell her about Dave Ramsey. She gave me all kinds of excuses. I said, "Of course, out of all of the millions of people around the world who Dave Ramsey has helped, you're the only one in the world that he can't help"!
You can bring a horse to water... We've been there before talking with people who haven't had their "sick and tired moment", The LORD has to establish the house x
There’s no such thing as a “Shade-tree mechanic” anymore. I definitely remembered that term when I was young. They’re computers on wheels now. Went to a vintage car show recently and forgot how simple the motors looked back then.
this is in regards to the 19 year old lost his job and does 24 k on his car forget door dash work as a courier I made 130 k doing medical deliveries last year
For who I would work as a Courier for 130 a year
Pray tell, "Medical Deliveries", are these specimens, people, medication, records? Thank you.
@@catherineskisit can be anything from specimens, records, payments, etc. however, you will put heavy miles on your vehicle! So be prepared for lots of maintenance & and the possibility of a “new” vehicle annually.
@@Julie-vm9yi Thank you. And see, my side gig is working for Merry Maids and so that next car thing because of the mileage for that is what I was wondering about. Thank you
@@catherineskisYou are welcome! Just food for thought, many people do it & if it works for you then go for it 😊 good luck
I haven’t heard someone say shade tree mechanic in years 😂 but amen to that!
I’m fantastic can you hear me ? Better than I deserve what’s up ? Lmao
😂
I caught that, he went off script. The noise rebooted him.
I caught that too lol
I didn't had a dad growing up. Man, I so wish I would have been under uncle Dave wings. My life would have been 180 degrees different. 🙏🙏
I love the Dave and Rachel Duo!!👏👏
Praise be and blessings to Dave. My wife and I are both 19 and just paid off our university tuition in advance totaling $387,536.29. We are sophomores and are now debt free and saving up to buy a data center for our AI business
Baby Steps LFG!!
How the heck did you guys do that?
Curious how Dave thinks new real estate professionals ever grow into seasoned professionals if he’s constantly telling folks to never buy from new professionals lol
He doesn't know he's just ignorant
I think he’s just warning people of feeling like they have to go through family or a buddy who does that instead of using a pro. Obviously new real estate people build clientele over time
Rachel I loved your reaction to a shade tree mechanic!😂 My husband is one. Great advice about finding a used one and having a non dealership person install it.
I once had a transmission go out on a vehicle. I thought I’d be smart and buy a good used one from junk yard (one that was in business like this with good parts). Anyway, I had a transmission place install it and rented a car while they worked on my car. When it was all said and done, I paid more renting a car 2 weeks plus the used transmission rather than just buying a new transmission from dealer and the dealer installing it. So be careful ! Don’t lose money in some other way (I had no idea they would take so long).
Rachel looks amazing in this show!!! So love that outfit on you ❤. Dave has his cool shirt on, so not shabby himself, but Rachel! Wow! You look like you've been lifting for shoulders for sure.
You are coming across super creepy always lathering it on thick with the comments about Rachel's appearance.
I agree! She’s glowing today. Gorgeous tan and slender arms. Shes beautiful. 😊
She’s got a great tan, other than that she’s mid. I do like that shirt Dave has. Her slender arms need a little muscle tone. We lose 4% of muscle mass a year at her age.
@@patricksimon8943Mid? Dude, she’s hot..
Yes!!!! I thought the same thing…way to go Rachel!!!🎉
As a nurse that noise at the beginning of the show is the stuff of nightmares
Not sure I’m with Dave on the ticket situation. I was lucky enough to see Pink Floyd on their last tour, Division Bell, back in 94 with a good friend of mine. It was our senior year of high school. No way I would’ve passed on that.
I really wish the parents of the 19 year old where helping him figure out his finances. With his age, if his parents help set him up then he can be so so successful later in life.
you need to invest $1000 per month to with a 12% yearly interest to make 1M in 20 years
Dear Mr. Ramsey, As you know, a savings account is something that one has to budget for, allotting a portion of your paycheck to it. Just like a bill. I am now in Baby Step 4, 5, 6. Does this mean that I know longer have that "bill"? Do I now get to put my former savings account bill toward my house payment?
Taylor Swift Q-Yes, Dave's answer was exactly what I wish Rachel and Ken would have said, Mom its not in your control anymore! Next time, specify what you want the gift to be used for...maybe don't call it a gift.
The young man who mows my lawn told me that my water meter out at the street was leaking and the ditch between my lawn and the street was full of water. I called Nashville's water company to report it and someone will come out and see what needs to be done and let me know. MAYBE they will say this is up to Metro Water to fix, and they will do it on Metro's dime or MAYBE they will tell me I will need a plumber to come and fix it, and I will have to do it on MY dime. Here's why I am including this in a Dave Ramsey video. I am a widow and I live on a fixed income but thanks to doing the debt snowball and following the Ramsey plan, I am totally debt free and I have an emergency fund so while I am a bit concerned about how soon I can get this done I am NOT fearful that I might have to make the decision as to whether I will fix my water problem or EAT for the next month. For someone in my circumstances, I can't explain how much peace of mind that gives me. THANKS, DAVE!
For anybody struggling to find a job, there is a two-day class for certified medication administration, starting pay around 18 you will never be out of a job again and you will get so much overtime that that little First Step will be done in a month
And walk into any nursing home, they're always hiring for kitchen laundry and cleaning crew they also pay at the round 20. Hard work but stable
The playback is hilarious. I can’t wait for Dave’s feedback. 😅
How the hell does Sarah make over 100k? She can’t even form a coherent sentence.
I had to fast forward through her call because of her ahhhhhhh, ehhhhhhh.
Well we have two people running the country the last 8 years that are no different, so there is that.
She was very annoying
I love the other personalities, but the thing they are lacking is making people understand the weight of their past decisions and how pressing the changes they NEED TO make right now are. Dave makes people understand there is a FIRE in their house and they need to do everything they can to put it out. Dave just has a gift. It's not tough love. It's just love, and when people get off the call with him I know they have more hope than they did before. It's possible to get out of the mess, they just need to understand that there is no more playing around with the debt. No more eating out, no more vacations, no life. It's not a joke. Everything besides basic necessities is essentially being financed by debt, and everything (but the house if possible) should be cut and sold.
I'm a Toyota Tech and when I do work at the house I charge 1/4 the price of a dealer. I bet she could get an engine for $400-700 and just guessing but someone like me would do it for about $500 so tops she be in it around $1200
Great job Ramsey with the 19 yr old!!!
Dave goes off when it’s just him and his daughter lmao
Awsome video Denmo so spot on points!
The phone system must have still been glitching during the second segment, so they filled it with random chit chat instead of taking another call.
Off topic, Rachel, love your new hairstyle. Wish l could go that short. You look fab girl. ❤💓💕
Do it! You might be surprised how much you like it!! Do it! Do it! Do it!! Cool thing is, it’ll grow back! Average on 6” per year. Do it!!!
“I’ll help you pack” 😂
Funny. The traveling guy was real entertaining
BetMGM is one of the commercials TH-cam shows, on your show were people are trying to get out of debt 😢
A woman who has six kids as a single Mom, gives her son a graduation gift of a car that HE now has to pay for, has credit cards, has a 21 year-old son who can't keep a job, and took on tens of thousands of dollars in Parent Plus loans for her daughter's private college at NYU is a "hero"? Really? Not my definition of a hero. I call that one bad decision after another and no ability to say "no."
She’s a hero raising 6 children on her own; sounded like all doing pretty well too, except for youngest one that hasn’t gotten it together just yet. Not sure what she did for her other children in regards to helping with college but the one that went to NYU wasn’t a good idea unless her daughter gets a job and helps get that paid off. Overall, still a great mom!
I agree. A lot of debt.
She's a hero. She wants to fix her life thats why she called duh.
Not a hero. Every single mom is not a hero. That's just reality
Whether sore anyone need with 6 kids for?
Singles mom is doing well! Go girl! She handled it!
Dave, why do you say you're better than you deserve? I am a new listener and am confused. 🤔
Cuz he went bankrupt doing stupid shit and learned his lesson and fixed himself, so he says it to remind himself where he came from
Oh, no! My reply was deleted by yt's bots. Anyway, it's because Dave is Christian. Such people believe they are sinners and therefore "deserve" to be in the opposite of heaven. So anything more than that is better than they deserve.
I think it's another way of saying "I am blessed." Or, "I am doing better than I deserve because of the grace of God."
@@kimpaugh4495 It's more sinister than that. It's about people of his faith believing that they "deserve" to be in H E double hockey sticks. So anything more than that is "better than they deserve."
You sent her to that school, others have much better numbers with graduation and staying there 4 years. Dave was afraid they wouldn't come home. ; )
Sell the mums Taylor swift ticket and go with her sister 😂
45:58 She’s got to be careful. The youngest may resent her because she’s paying $84k for the daughter’s student loans but is going to renege on the $12k car she gifted him? I know kids aren’t entitled to anything but man I can see this creating tension. Hope I’m wrong though.
Mom signed up for the Parent plus loan....
She is responsible for it ..
@@dorotheaanderson9482 She also signed up for a car and gifted it to her son.
Gig work is a great way to make $$$$
I think some of the young people just need to go into the military, if they can. I spent 30 yrs is the Coast Guard, CWO3, and 30 yrs later it was the best decision I ever made when I was 19.
Ok that noise🤯lol
Rachel’s hair looks good today ! Like the new cut!
Haha Papa Daves’ reaction is me every time something mishandles 😂😂😂. Make it go away, I can’t move on 🤦🏻♀️
Yeah! It's funny but Rachel handled it so gracefully and got him to focus despite the annoying sounds 😅.
They didn't address the no benefits with Chris from Montana who is changing jobs making $10,000 less. It seems like they didn't even hear that part.
Fresno is one of the most expensive places to live? 😂 I don’t think so. Nobody in California would aspire to live there.
I second that, I was born and raised there and spent every waking hour and ounce of energy from the time I was 10 to getting the f*ck out of there!
this is ro the woman who needed a new engine ask the dealer to look for a used engine this happened to me my 2014 Toyota Corolla they found an engine that has 75K on it it was installed professionally by Toyota techs ended up costing 3800 out the door stay away from back yard mechanics.
You don't need a dealership to replace an engine, you just need a trusted mechanic. I have such a mechanic and he's done engine swaps and even rebuild a transmission for me for a hell of a lot less than what a dealership would charge.
@@striperkid true but a lot of these guys have no idea what they're doing cars are so complicated these days maybe I paid a little bit more but at least I know it was done right and it was done by Toyota Certified Technician I've now put 12000 me on the new engine which isn't new and haven't had a problem with it and I'm getting 45 miles per gallon on the highway
@@jonathanl5638 again, you need a trusted mechanic. The trans in my Focus blew 3rd gear at 200k and he rebuilt it and replaced the timing belt and water pump and I got rid of the car at the 300k mark.
Dave rant!! 😂 cringe cringe 😂😂 love it! I actually ducked my head twice and I have no student loans 😂
Dave, the 10,000 hour rule is not a rule. Gladwell misinterpreted the research. 10,000 was an average meaning that many in the study of musicians were experts without spending 10,000 hours. The research actually says that to become expert at something you need to dedicate deliberate practice time to that skill not just time. Tom Brady puts others to shame because of how he spent the time not just the time itself.
10,000 hours is necessary but not sufficient.
54:56 Man, this guy sounds like this one actor, but since I’m terrible with actor names, I can’t remember. 😂 He should do voice overs or read audio books or something though. Great voice!
Nicholas Cage
@@gungagalunga9040 Yes! Yes! That’s the one. 😀
@jaijai1132 wow what a guess!
My favorite actor!
There’s a 4th F… flight, flight, freeze and fawn…
Dave I need help so bad we are not in a bad financial situation. We are in our 60s 42 years married our home is paid off we have a 1,100 dollar Walmart card that is the extent of our debt but we have a huge problem we need a roof replacement and we have 2 central heat and air units that need replacing. We are looking at about 25,000 we need. My husband is disabled and I stay home to take care of him and my granddaughter 4 months old. Our income is about 2,200 a month. I dread taking another loan out on the house but the roof is leaking and causing damage and we keep getting the downstairs unit fixed. Electric bill, car insurance and house insurance, phone and cable and internet bill, food, gas and my doctor every month which is about 250 a month with medication eats up almost all of that 2,400 a month. Don’t see a way out but because we do not want to get into that debt again the roof and units just stay as they are. Please help us find a way out of this. Please😢
Call the show!
Hi, so what are your comments on the candidates for presidency?
The two dumbest people in the nation running for president. No wonder the rest of the world is laughing at America.
I heard the car engine one before
I take it you are not familiar with the current state of DoorDash. It has lost nearly all viability. Most everything is upside down with it. The majority of offers are like a few dollars for several miles. At best I guess he may be able to get some of the depreciation out of the car at an extremely accelerated rate before losing it.
I have 2 questions -
1) what happens after baby step 7, when you are debt free, retired and living off of investments and SS, do you just live and give? not save?
2) how does the emergency fund look at that point? still 3-6 months (no longer relying on a job)
Baby step 7 doesn’t mean you don’t work anymore. Yes save more, yes spend more, yes give more.
If you’re retired or are retiring you should consider working with a fee only financial planner who is a fiduciary. There’s not a one size fits all when it comes to asset allocation.
@@elissapoh7782 Thanks. Perhaps my question was confusing - my question was after retiring. Didn't make sense to pull from investments for income then turn around and reinvest, may as well leave it if you don't need it. (except for require distribution)
Whoopie doopie 😂
l74,000 income..What is wrong with people? I live on 20,000 a year and my debt is like credit cards to pay for my supplements since having cancer..credit cards I owe are like l500 and I freak out about that.....Last time I did debt snowball and it worked.....I am retired senior citizen and I have no car..my boyfriend and I share a car.......
Can I work on the cruise ship? 🚢
Sarah needed John Delony to tell her to take a deep breath and put her shoulders down, that was hard to listen to
Sarah ur husband needs to make more money
Love the cute bob Rachel! Looks beautiful. 😊
If little miss NYU is doing so great, why doesn’t she pay her own student loan instead of making her single mom drown in it???
It almost sounded like the 19 year old was making things up as he went along. I don't believe his story at all.
31:00 -call
⭐️⭐️⭐️⭐️⭐️
How much should i put in my pension every month? The pot is low now im 45
At least 15% of your income, if you don’t have any debt other than house mortgage
@@pansug2560 thanks
FOLLOW THE BABY STEPS! Even if you’re 45 and u still have debt u pay off ALL consumer debt first! 😉
To aim for 1M by 65 aim for like 2000 a month if possible. I'm just doing napkin math don't hate lol
@@OspreyHomeInspection thanks, that's starting from zero now?
Dave should pay for Taylor Swift to perform on the cruise so Rachel could live like no one else...😂
Dear 19 year old. Go join the military, they will give you a career, choose medical like radiology, they will train you for free. They will give you free housing and free food. Once you're out of the military you will earn beaucoup bucks. Radiology pays big $$$.
I noticed there are never any of African American Culture on your show. I called in with a question and never received a callback
How do you know?
Dave $500 a month for 20 years is only 459k even at 12% so yes u were talking out your butt 😅
its 506,000 compounded daily
Try factoring in compound interest
@kathyharrison8192 That is with interest, Ramsey investement calculator shows $494k even with super optimistic rate of 12% each year over 20 years. Dave just likes to exaggerate, it's always several millions when he is talking, but this is ridiculous.
@@Marilyn236well add 7 years and it’s a million.
@@kathyharrison8192Kathy u see don’t believe everything Dave says. Fact check for yourself 😅
I would have sold the Taylor Swift tickets!!!
Yup, same.
Iconic ? Taylor swift? Bless ur ❤ lol
Dave praising T Swift not knowing she sold her soul to get where she is is priceless 😂 admirable is the last the word I’d use to describe her…. don’t you ever wonder why she’s shoved down all of our throats so much? Imagine all of the brain power spent on this concert ticket decision when there are real problems in the world
There are some dark rituals played out at those concerts
Swifties are the biggest religious cult there is. Makes Scientology look like the cub scouts
I am so sick of hearing about her!
A travel stop manager at age 29? Wow
I am sincerely afraid for the time Rachel takes over. She has survivred nothing.
You don't really know that.....
Nobody's life is problem free, no matter how much money they have 😮.
And being dumb in life does not make you an expert. She can hire someone that has what she may lack.
What do you mean she has survived? Nothing what does that mean? Please explain your your sentence, please??? Thank you.
@@isidorolopez265 he’s saying she us spoiled and hasn’t suffered from dumb choices like Dave and therefore is not worthy to give advice. I argue Dave is to rigid and stubborn which is why I follow the Money Guys more than Dave and still use credit cards because I have an ounce of discipline unlike a large portion of the “Dave-ites.”
Dave's comment about training for 10000 hours he stole that from Rocky 2 mick says the same thing to rocky word for word. In the scene where Adrian is in the hospital. Watch you will see what I mean. Dave lies about everything
Maybe the Rocky writers took the quote from the Malcolm Gladwell book? It sounds like the type of phrase that is common enough not to have a known, specific origin. Instead, it will have a date that it first appeared in print/film/etc. For example, the F word did not appear in print until the 1950s. That was certainly NOT the era that the word came into popular use.
Everyone's been saying that for decades. Even Rocky 2 stole it. It was a common expression LONG before the 1970s.
Rachel hasnt had a day of financial struggle in her LIFE. i would much rather listen to Jade who has actually took out credit for cars and had a student loan she skrimped to pay back
Not everyone has to learn through suffering. The wise learn through seeking knowledge. Is every preacher a reformed criminal?
I can’t stand Jade. I turn it off when she’s on.
Oookkkkayyy??? And I can’t stand Mr the Job you were meant for.
This show is nothing without Dave everyone else is very soft
Ken might as well hand in his manhood card. Here he likes to say you don't go on feelings and facts are your friend and you make decisions on principles not feelings. Then when faced with a challenge with some popularity backflash potential he totally bends over backwards to prop up an over sold show just to get brownie points. If someone ever needed a lickin, he and Rachel need one for this. They keep trying to sell the idea that you sell everything to get out of debt and here they actually have something that could be sold easily and they choose their popularity over principles 😮😢
Rachel is on, I will pass
Rude
Why. Please. Explain!!!!!
Crazy to listen to a person who doesn't struggle tell people how to get out of struggle this guy is a joke
People struggle precisely BECAUSE they have nothing useful to tell others.
I can admit I've had a major spending problem I think it's rooted in it's the only thing that gives me any pleasure since I stopped doing drugs I had an addiction some years ago and I don't have those to fall back on anymore so when life gets hard I reward Myself by going shopping I might just buy one or two things or order something online but there's some adrenaline and then once I have the item it's just like whatever but then I keep the item I don't return it and it just has turned into the cycle I came up with an idea for myself and I just want to share it on here in case it might work for someone else too but going forward if I ever get tempted to buy something whatever that item costs I'm going to double it meaning a dollar item will cost me $60 because I will take the other 30 and use it to pay down debt so in other words it limits my will to buy stuff because I'll end up paying double for it so I have to really ask myself is it worth paying $60 for but at least if I do give in and spend the money I'm paying debt at the same time as long as I'm not charging it and paying for the item cash. I've been sticking to this for a couple weeks now and I haven't bought anything because I don't want to pay double for stuff as long as I stick to it it has really helped me limit my shopping and I have committed to myself that if I ever give in I'm going to double it pays down debt at the same time