I've been sole provider for 34 years. The vast majority of those years was making less than $40k/yr. It is doable but you have to do what you have to do. 26 of those years was working 2 jobs. There was almost always a second job but 20 of those 26 years was growing my own company in my basement. It's still a small, home-based business, but it supports my wife and I very well. We have a better life today than I ever thought possible. My advice is to pray for wisdom in every decision, trust God for everything and work, work, work.
Dave handled the call with Ledell perfectly. He heard desperation and humility in Ledell's voice and offered sound, compassionate advice without shame. I think Ledell took it to heart and will get his life back on track.
I've been where he's at before. Dave is right. Sometimes a repo is a blessing in disguise. My life got 10x better when I let the vehicular albatross around my neck, go. Watched the truck come and take it at like 11 o'clock at night. Yeah, my credit took a big hit but after about 3 years it recovered and I'm doing great now. Lessons where learned and I'm thankful for it.
I'm there now, even though I'm staying at home with my 1- and 4-year-old, I still feel like I am not contributing financially. We are debt-free and we were working on paying off the house early, now that is on hold. My confidence has taken a hit for sure.
James- the role you want absolutely exists. I’ll be hiring this year. Just work for a private practice accounting firm where you are able to work more directly with clients.
lol that accountant that called in I get it public accounting can be hell. Left for the fed and never looked back. It’s stressful and no one really talks about how many hours you have to work when and billing hours you might have to put in 80 to bill 40 especially when you just start out and don’t really know what you’re doing. But I think he would probably like the personal finance side of it, I wish I went that route because I love it so much now.
If I had an uncle like Dave I wouldn’t have spent my 20s wasting my hard earned dollars. As you get older educate the youth, they want the info they just don’t know it
Careful with that 401k rollover to an IRA. Better investment options, but you also screw up the ability to do backdoor Roths in some cases (which DID apply to them).
Aaron from Des Moines IA, you need to check your wife bro. You're out there slaving to $200k a year while she sits at home spending your pay check. She wants to keep that 2nd house next to a relative?...then go out there toots and get a job that pays for it.
Young people buying theses old or older condos..in other words trailer parks and getting hit with high HOA fees and assessment fees .. getting their heads slapped 😛
I also have been shopping for a modular/mobile/manufactured home. That is doable for me BUT here on the east coast the HOA fee's have nearly tripled!!! What the hell ! I can afford the home NOT the land its parked on.
@@louise6451 And you're quite right. That is actually the reason there are no "starter homes" these days. It's due to the price of the LAND. Real estate construction has to build larger homes to match the price of the land.
It’s bananas to me that these people can see the difference between “cronie capitalism” and true capitalism but can’t see the difference between fad “wokeness” and actually being woke. The term Being woke has been around in certain cultures since at least the 50s and 60s and had more to do with understanding how other cultures thrive and knowing where u stand in the struggle in order to leverage opportunities for growth and development while also recognizing systems that may be at play to hinder that. As a matter of fact, being aware of how to effectively and ethically participate in capitalism was a part of it! “Wokeness” as exhibited and described by the mainstream is ridiculous and a huge problem. Every time the opposition gets a hold of worthy causes they get perverted. Grouping together “cronie capitalism” and capitalism is dangerous. Grouping together being woke (aware and educated) and “wokeness” is dangerous.
Fortuitous means accidental and serendipitous means what most people think fortuitous means but after years of people using the word fortuitous when they actually meant serendipitous, they finally changed the definition of fortuitous to mean a 'happy accident'. After years of bat-crap crazy people calling themselves and their actions 'woke' the word came to mean bat crap crazy people/actions. You can tilt at that windmill all you want, but I can tell you from experience, you will lose.
He gets the heart of the problem and then ends the call to give his response. He's not going to let someone go on and on and on and on. Better know exactly why you are calling in advance.
I feel like they started to pan out and play music on Vivek because he started talking about Republicans in 2008 😂? "Op sorry brother we gotta cut you out, i hear the music but you dont" is code for STFU bro 😂
I appreciate what I've learned from Ramsey, but does he really think Trump (and any politician for that matter) is really helping the average American?
So are you better off now than four years ago? Are you happy with a president who needs a cue card to read from in order to just greet another world leader (who, by the way, does not speak English as his mother language and is able to greet the president without any notes in English)?
@Trustbutverify2651 Am I better off now? Yes, due to following the tenants taught by Ramsey and the team. Do I like our current president more than the previous? Also yes, because the previous committed crimes in office. That's a truth being shown now despite any political affiliation. No president should be above the law.
Imo I believe Dave and George is getting there. However, Dave not only abides by his principles but also is EXTREMELY creative and that sets him apart! No doubt, he’s the best
Yeah. Dave talks to the person. The other personalities talk to the problem. Not saying one is better than the other and Dave can probably just do what he wants, but it's a much better listen when Dave is on the phone.
It's interesting - no one would dare say "Oh, Mohammed!" for fear of insulting Muslims. But people feel quite free to say "Jesus" when swearing. Not o.k. as many regard that name as sacred and that He is their Savior. It seems to be o.k. these days to totally insult Christians, but no one dare insult someone from a different religion, gender, or race. Double standard.
Yet, here you are watching. Dave thanks you for the watch. Only helps the algorithm for further reach. More for your perceived "cult". The fact that you don't hear the irony is insulting.
He doesn't agree with Trump on everything and I don't know that he would have voted for Trump in the primary. I know I didn't. But certainly voting for Trump in November!
Not easy because currencies are different and the premium version would be IMPOSSIBLE because it would not be able to access European banks. Just put in your numbers with the dollar signs and pretend they're pounds or Euros. I use the web edition, not the app. Not that hard to enter expenses every night. There are also some good European budgeting apps that are very similar.
I've been sole provider for 34 years. The vast majority of those years was making less than $40k/yr. It is doable but you have to do what you have to do. 26 of those years was working 2 jobs. There was almost always a second job but 20 of those 26 years was growing my own company in my basement. It's still a small, home-based business, but it supports my wife and I very well. We have a better life today than I ever thought possible. My advice is to pray for wisdom in every decision, trust God for everything and work, work, work.
You sound like a great guy. Greetings from the UK.
@@freespirit6209 Thank you for your kind reply.
Pulling for you Ledell! Time for a change. Go get after it 🙏🏻
Dave handled the call with Ledell perfectly. He heard desperation and humility in Ledell's voice and offered sound, compassionate advice without shame. I think Ledell took it to heart and will get his life back on track.
I've been where he's at before. Dave is right. Sometimes a repo is a blessing in disguise.
My life got 10x better when I let the vehicular albatross around my neck, go. Watched the truck come and take it at like 11 o'clock at night.
Yeah, my credit took a big hit but after about 3 years it recovered and I'm doing great now.
Lessons where learned and I'm thankful for it.
Hopefully he sees this comment! Dave could have also suggested Ledell go straight to the FedEx hub. He could get a job in as little as a couple weeks
So right on Jade, lost my self-confidence while I transitioned jobs and moved at the same time, took awhile but I'm back in it to win it! Ty
I'm there now, even though I'm staying at home with my 1- and 4-year-old, I still feel like I am not contributing financially. We are debt-free and we were working on paying off the house early, now that is on hold. My confidence has taken a hit for sure.
wishing my brother Ledell the best, you can do it brother
Dave was a great listener and gave great advice from compassion and wisdom. Ledell seems like he took it to heart
Ledell, God bless you man! All the best to you, you can do it!
James- the role you want absolutely exists. I’ll be hiring this year. Just work for a private practice accounting firm where you are able to work more directly with clients.
Praying for this young man 🙏🏽
Please………….don’t leave us yet Dave Ramsey….! ❤️🙏🏻🙏🏻🙏🏻 ❤️☺️
What is he dying or something?
What’s wrong with him. He sick?
Yay Vivek Ramaswamy!!!! ❤️🤍💙
Vivek is awesome!
You got this Ledell!! 🙏🏾🙏🏾🙏🏾
I want to get on the show. I've left a message a couple of times and it's a very good question that we really need help with.
The answer is...sell the car!!!
Are you safe?
4 th
Get 7 jobs or better yet, 9.
Beans and Rice
Rice🍚 & Beans🫘
My Beautiful sister in Christ Jade ❤
lol that accountant that called in I get it public accounting can be hell. Left for the fed and never looked back. It’s stressful and no one really talks about how many hours you have to work when and billing hours you might have to put in 80 to bill 40 especially when you just start out and don’t really know what you’re doing. But I think he would probably like the personal finance side of it, I wish I went that route because I love it so much now.
Vivek is the 🐐
Love Jades too mainly because of the sleeves wondering if that is a tshirt and she tucked the sleeves in❤❤❤
53:00 Vivek Timestamp if anyone is looking for him :)
I am not.
Thanks
@@ColtsFan639 don't care
Thank you!
Thank you so much 😍 Vivek is the best
If I had an uncle like Dave I wouldn’t have spent my 20s wasting my hard earned dollars. As you get older educate the youth, they want the info they just don’t know it
Hey I'm in omaha Nebraska we don't have cornfields much in the city. But you are never that far away from one haha
My wife and I bought a house in 2021 without a credit score.
Careful with that 401k rollover to an IRA. Better investment options, but you also screw up the ability to do backdoor Roths in some cases (which DID apply to them).
Because Dave mentions So-Fi so much all I get is So-Fi commercials while I watch. 😂
Vivek for VP!
He would not do well in a subordinate role - he's a leader, not a follower.
@@Trustbutverify2651VP would set him up perfectly for 2028, he would be just fine lol
I have absolutely no debt, paid off house, and a 829 credit score. 🤔
Did he just say a $1,000 car 😂😂😂
That won't even buy a used golf cart or an electric bike these days!
@@Trustbutverify2651 ik, I like Dave but some of his stuff was from like the early 2000s
I’ve purchased many $1000 cars you just got to know where to look and wait until the right time
They definitely exist
Aaron from Des Moines IA, you need to check your wife bro. You're out there slaving to $200k a year while she sits at home spending your pay check. She wants to keep that 2nd house next to a relative?...then go out there toots and get a job that pays for it.
No different from growing a tree from a seed.
Trump/Vivek 2024 🇺🇸
Freedom, Opportunity, Safety, Peace, and Prosperity
CAUTION 53:02
1:06:51
$200K will buy you a nice house in Omaha. Get real guys.
James in Cleveland needs to apply for a Financial Analyst role in industry.
James in Cleveland needs to suck it up. He’s only been an accountant for 2 years and wants to change his career already.
Did Dave say Jade was a lady performing on a Cruise stage?? 🤣
She used to be a performer on cruises
Young people buying theses old or older condos..in other words trailer parks and getting hit with high HOA fees and assessment fees .. getting their heads slapped 😛
What do you mean by trailer parks?
I also have been shopping for a modular/mobile/manufactured home. That is doable for me BUT here on the east coast the HOA fee's have nearly tripled!!! What the hell ! I can afford the home NOT the land its parked on.
@@louise6451 And you're quite right. That is actually the reason there are no "starter homes" these days. It's due to the price of the LAND. Real estate construction has to build larger homes to match the price of the land.
They did not know better, maybe 🤔
Gold up 24% in 6 months. Groceries up dollar collapsing value.
OMG please tell me you have a course to sell???!?
It’s bananas to me that these people can see the difference between “cronie capitalism” and true capitalism but can’t see the difference between fad “wokeness” and actually being woke. The term Being woke has been around in certain cultures since at least the 50s and 60s and had more to do with understanding how other cultures thrive and knowing where u stand in the struggle in order to leverage opportunities for growth and development while also recognizing systems that may be at play to hinder that. As a matter of fact, being aware of how to effectively and ethically participate in capitalism was a part of it! “Wokeness” as exhibited and described by the mainstream is ridiculous and a huge problem. Every time the opposition gets a hold of worthy causes they get perverted. Grouping together “cronie capitalism” and capitalism is dangerous. Grouping together being woke (aware and educated) and “wokeness” is dangerous.
Fortuitous means accidental and serendipitous means what most people think fortuitous means but after years of people using the word fortuitous when they actually meant serendipitous, they finally changed the definition of fortuitous to mean a 'happy accident'. After years of bat-crap crazy people calling themselves and their actions 'woke' the word came to mean bat crap crazy people/actions. You can tilt at that windmill all you want, but I can tell you from experience, you will lose.
@@jimlamb7642 point taken. Still irritating though.
@@Herhighness211 I feel ya, nuance is a super power these days.
Single mom- ROKU, no activities, used clothes.
Oh patrick...
Jade is much better with Dave
Way too many ads….along with DR ads
Used to have waayyy more callers. Such a bummer.
A stipulation is another word for a trap!!!😂.. dude you got scammed!!!
35:20 🤔 % / × + 🤔
Why does Dave mute the people that call in? LOL
He gets the heart of the problem and then ends the call to give his response. He's not going to let someone go on and on and on and on. Better know exactly why you are calling in advance.
step 1 get out of memphis. memphis is the worst city in united states.
Second
The same
I feel like they started to pan out and play music on Vivek because he started talking about Republicans in 2008 😂? "Op sorry brother we gotta cut you out, i hear the music but you dont" is code for STFU bro 😂
No, actually it's because this is a RADIO show that has hard breaks.
A $1000 car???😂😂😂
I’m sure you can buy a car for $1,000 but likely the engine, transmission and wheels would be another 19,000. 😃
They don’t know about 1000 dollars cars they feel to good to ride one or own one
Patrick's baby girl had trisomy 13!
Wow, almost always fatal shortly after birth.
Doctors can keep these very sick infants alive when there is no hope...
first!
The worst
I appreciate what I've learned from Ramsey, but does he really think Trump (and any politician for that matter) is really helping the average American?
So are you better off now than four years ago? Are you happy with a president who needs a cue card to read from in order to just greet another world leader (who, by the way, does not speak English as his mother language and is able to greet the president without any notes in English)?
@@Trustbutverify2651 Nobody in America has been in a good position at any point in the last 50 years.
@Trustbutverify2651 Am I better off now? Yes, due to following the tenants taught by Ramsey and the team. Do I like our current president more than the previous? Also yes, because the previous committed crimes in office. That's a truth being shown now despite any political affiliation. No president should be above the law.
He never mentions it on the show.
Well, while that can be debated, it's quite clear that biden isn't the choice.
Uuuuhhhhh .... uhhhmmmm uuhhhhh.... ummmmmmmmmmm bro i was losing my mind with the first caller......
Third
Best of all the game!!!
I guess he found out it ain’t easy being a woman 😂
It's painful to listen to any one other than Dave give advice to the public on this show. Shameful really -
Imo I believe Dave and George is getting there. However, Dave not only abides by his principles but also is EXTREMELY creative and that sets him apart! No doubt, he’s the best
@@esgardoherrera3199 100%
Yeah. Dave talks to the person. The other personalities talk to the problem. Not saying one is better than the other and Dave can probably just do what he wants, but it's a much better listen when Dave is on the phone.
@@TheDevilYouDont - Well said. He certainly has the experience. I mostly listen for the callers, overall.
Yall still behind trump sicken me !
Trump is the better option. Biden is horrible
Vive versa. Other ideologies exist. Mighty bold of you to assume that YOUR way is the right way.
@@gildedliberty6090 Sondo all you trumpers. You guys always assume you’re way of voting is right 😂
@@HOLDXSTEEL False. Not a collective. Irony breezes right by you.
Then go away now!
Dave should not swear "Jesus" on the air - it offends some of his listeners.
Jesus, they'll get over it !
It's interesting - no one would dare say "Oh, Mohammed!" for fear of insulting Muslims. But people feel quite free to say "Jesus" when swearing. Not o.k. as many regard that name as sacred and that He is their Savior. It seems to be o.k. these days to totally insult Christians, but no one dare insult someone from a different religion, gender, or race. Double standard.
@@striperkid No, actually they don't - nor should they have to.
It’s a shame that Trump ruined the Republican Party.
Must suck to be delusional!
@@kaynewman1825 You looking in a mirror?
Must suck to be a mindless sheep
@@fkillah See comment above, robot.
@@5407wtbrown aww poor baby is that the best you got? Go join the liberal plantation or pretend to be a conservative like Romney/Cheney
I can't believe they're advertising nicotine products on this channel. That really blows😢😢😢They will sneak that poison in when ever they can.😢😢😢
I bet it's just your TH-cam ads not affiliated with ramsey
Straight up MAGA Cult and Ramsey is a follower, in Trump name we pray 😂
Biden is a terrible president
Yet, here you are watching. Dave thanks you for the watch. Only helps the algorithm for further reach. More for your perceived "cult". The fact that you don't hear the irony is insulting.
He doesn't agree with Trump on everything and I don't know that he would have voted for Trump in the primary. I know I didn't. But certainly voting for Trump in November!
@@rachaelholderman9677 I’ll definitely be voting for RFK in November
What don’t you agree/afraid of financial freedom… or just the word freedom…
Ramiswamy and Trump 💩💩💩!
DEI hire.
Who?
1st caller jade should be able to relate to and talk to the best hahaha 😂😂 🐒🐒🦧🦧
Please make the Every Dollar App evailable for Europe . 👏👏👏👏👏👏👏👏👏👏👏👏👏👏👏👏👏👏👏👏👏👏👏👏👏👏👏👏👏👏👏👏👏👏👏👏
Not easy because currencies are different and the premium version would be IMPOSSIBLE because it would not be able to access European banks. Just put in your numbers with the dollar signs and pretend they're pounds or Euros. I use the web edition, not the app. Not that hard to enter expenses every night. There are also some good European budgeting apps that are very similar.
@@Trustbutverify2651 there are? Can you name some of the Apps?