Don’t Believe the Lies - YOU Are the Hero of Your Story!
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- เผยแพร่เมื่อ 26 ก.ย. 2024
- The Ramsey Show (October 16, 2023)
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Rickesha is AMAAAAZING. Holy smokes. So impressive. 🎉 Congratulations to her for staying focused and true to her values.
375k is absolutely insanity!!! She is amazing!!!
Yes! I’m so happy for her! She can go right into her profession, and enjoy, and reap the rewards without being burdened with the debt for the first 15 years! She should give a seminar to her fellow students and colleagues.
Just wish Dave didn't try to push her to buy a car. It's a metal box on wheels, as long as it's running who cares if it's proportional to your income? He kept saying that she needed to upgrade because she made so much money, that's like the definition of lifestyle creep.
@BlakouttheMM agreed. I work as a cable technician and that gave me the same exact vibe as when customers keep pushing me to "please, sit down" while I'm waiting for a modem to activate. I'm just like, uhhh, no thanks.
@@BlakouttheMMWell, I think buying another car will be a necessity due to the fact she's driving an old Lancer
One thing about Dave Ramsey, he’s going to tell you to WORK! 😩😩😂😂👏🏿👏🏿
@davidb2206 agreed, for a little while I though Dave was rude, then I realized that it's tough love and that's what these people need.
Rickesha debt free scream was on another level! I got a little teary eyed off that one.
First caller: "The baby's father is excited about the baby coming." He's so excited that he doesn't want to support it. Lady, how could you say that with a straight face? Clueless
Pray for her
I really hope that guy stands by this lady and helps her, hes not a man in my eyes hes a user.i really feel for this lady. She must get on fb market place get donations for the all her baby needs, cause that cost money.praying for her, dave come up trumps again 🙏🙏🙏🙏
She's silly for sleeping with a lazy child in the first place. Save yourselves for someone worthy, Ladies. Someone committed enough to buy the cow before they milk it.
He got off really easy. I thought he was going to get a blasting
The baby wasnt born yet. He had zero legal obligation to pay for her poor financial decisions. When the baby is born she can use the extortion of the law to force the dad to pay for her lifestyle.
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The adviser I'm in touch with is Mr Kingsley Taylor.... for me he's strategy works hence my result.
He’s on instagram
@Kingsley Taylor Trading
Nobody believes you or we all would be doing it and it better not be a ANOTHER real estate scheme featured on tik tok. Answer that one.
I felt that Debt Free Scream today. That lady is impressive.
Listening in Ireland everyday, terminology may differ but the straight talking works the same, have put both my young adults onto the show. They are starting out with no student debt thank goodness. Keep up the great work, Tracy
They don’t have student debt because we don’t have college fee’s in Ireland 😂
Congratulations Dr. Rickesha!!!!
I know it wasn’t easy but you are the true definition of perseverance. So proud of you!!!! 👏🏽 👏🏽 👏🏽 👏🏽
I went to school with Emmaus, he is a seriously hard worker who loves the Lord! God takes care of his children!
Where do these fantastic young folks come from anyway? Such a vision of hard work and direction. Their parents are people I would love to meet. Such enthusiasm!
Thank you for those kind words, Kayleigh!
That first caller sums up what’s wrong with the country.
Thanks
~Jim Eagle
Exactly right.
Coming here to see hope happening amidst all the evil happening in the world and on the news.
Congratulations, Dr. Rickesha!
Dave tells it like it is. He doesn’t mess around
Oh my goodness people! Where is your compassion??? First caller, Cathy, I’m so sorry and would like to tell you how proud I am you called in for help. Take a deep breath, DO NOT take into your heart these accusations being made here. Yes, you are in crisis, but there is hope for you and your baby. Please let a financial coach help you and remember to take it one baby step at a time. I’m currently in FCMT and looking forward to helping someone just like you. I promise I’ll be praying for you! 🙏🏼❣️
This is not a case of an unfortunate accident. This is the result of her CHOICES and you need more than prayer to put food on the table and pay the rent.
I agree, she will figure it out as long as she makes changes and gets focused. As a single mom of soon to be 3, my last debt right now is my mortgage, and I hope to be up their doing my debt free scream by 40!
@@Trustbutverify2651ELIZABETH. Shut up. Not everyone had the childhood you had that taught them to make good choices & didn’t completely warp their amygdala & frontal cortex. You profess to be this scholarly woman, but I too hold my MA in Psych & this is the basics. This is barely even 201. I feel so sorry for your family; you are incredibly judgmental. Identical to my mom & we haven’t talked in years. Don’t miss that at all
@@lindab.3551 This did not "happen" to her - sex is something that a person knows can take place at any time and, therefore, one should be prepared or say NO. This is also not a "phase." Nothing changes a person's life more than having a child. This is an entirely new life for her.
Dave said if you make a baby you get to pay😂😂. Period!
Lesson: don't make babies with losers
It takes 2 to make a baby
*Vasectomy , Tubal Ligation , Hysterectomy*
@@WISHBONEL7 Celibacy or wait until marriage! How about those!
@@Intentionaltia That would be great in a serious GOD FEARING world , yet society must face the FACT that most people are not going to stop fornication , and quite a few will practice adultery . Plus , many are not prepared or capable of rasing children properly , which our current USA society clearly reflects .
*EMPHASIZING VASECTOMY , TUBAL LIGATION AND HYSTERECTOMY* , is a lot more realistic than abstinence .
Congrats Rickesha!!! Super excited for you!!!
Proud of the Doctor!
I am so proud of the women on this show. I definitely screwed over my entire 20s. I was making below average income with 0 savings 0 retirement and ignoring my student loans. Now I’m about to be 30 this year and I’ve finally woken up to the dumpster fire I created and I’m working diligently to put it out. With the income I have now and how much it is expected to increase to in the future hopefully I can get out of debt completely in about 5-10 years. I’m so mad at myself and I find it hard to forgive myself for what I’ve done.
Thank you for calling out Abigail for her HUSBAND being the issue not the mother!! He enables the crazy mother
100% - AND Dave is quite right when he states that all the signs were there in advance. WHY do women ignore the signs and think they can change their men? (And she even admitted it was the same with all 3 sons.)
I was laughing so hard!!! and so happy at the same time!!! about time some one said what needed to be said. You can't control other people. plain and simple. I only wish I got to say what dave and george said!!
@@Trustbutverify26511
@@Davefitz04😅
My question was, if this young couple was aware of the controlling behavior of this mom, why in the world did they let her know which house they wanted to buy? Either she was their realtor, or the "uncle" who owns apartments was. That, or this couple told her, knowing what she would do with the information. It's on them. 1000%.
George is an absolute menace. "Those are also at Walmart, aisle A4" lmaooooo
Caller #1. FB Moms Groups. You're an expecting mom, there are lots of moms who can't afford to go to a regular salon. Do hair from your house and offer a less expensive service or go to their house. Use the tools you have. You got this!
Rickesha is the future honestly....Wow girrrl, Well done🌻
I can relate to the woman with the mother-in-law without any boundaries! My daughter’s father and his mother are like that (we aren’t together anymore), but over the years it became clear they are BOTH codependent (and know it), but can’t stop the cycle…there are other issues there, BUT, some ppl really go ahead and interfere in their adult children’s lives without asking but then act like “what would you do without me”? So it’s more a fear of being irrelevant I think..maybe? And he never has to face any consequences of his bad decisions because she always swoops in and pays for or arranges whatever is required to fix his messes. I pray you guys manage your way out of this unhealthy dynamic. I am good friends with my “would be” mother-in-law now, but I DO have that separation and had to learn to set firm boundaries with her. For example dropping off bags and bags of used clothing that I never liked for my daughter or myself, so I would simply give it right back to her after I tried asking nicely that she stop. I didn’t have space or need the extra work of taking it BACK to the thrift store lol so she got the hint… eventually… and stopped doing it amoung other things (like fully rearranging my kitchen while visiting to her liking 🥴) It ain’t easy and wasn’t always pretty, but stick to your convictions! You know what is healthy and right, keep aiming for it and stand strong. It will pay off! 🙏🏼✨❤️ Praying for you!!!!
If you are having sex with some loser you aren't married to, don't be surprised if they leave you high and dry when a baby comes along.
Oh, your sooo smart and hateful!
Hindsight is 20/20
Some life lessons must be learned the hard way. This is a judgement free zone where kindness goes a long way. If Christ can forgive us all, it will all work out if we trust in the Lord amen.
@@UteNagel Truth isn't hateful, just hard to swallow. There's a woman saying the exact same in different words, but you hadn't left a comment there. Keep 'em vertical.
@@Kaleki935 I did not read all comments.! Man need to respekt Woman better and woman need to be Protectet better! If you do not want to have sex as a Woman you are in danger to get raped. And I know what Im talking about! The whole system would have to be changed! So stop blaming the Woman! And the real Truth you dont even understand
I know we are all broken and not perfect but to my fellow women out there, can we please start being more discerning who we spread our legs for. We have the power to heal by making better choices.
Amen 🙏
I know my thinking is flawed now because I'm trying to have a baby later in life. But I envy my cousins and my friends who did have babies, even if the men never stuck around. 😔
Hannah and Emmaus, you two are amazing!!!! Great story. Keep up the great work.
Congratulations Rickesha!! You are inspiration 🙏🏾💕
Hell yeah, she dropped the shovel and got an earth mover. Well done🎉
For the off grid guy. If you must finance, Split the property into two, mortgage the one you are not building on at 90% its value (no PMI). Then build it yourself without any bank input on the other block of land. It might also be viable to move a used prefab/trailer onto the property and install utilities for cash. Then work towards the dream house.
It’s something when Dave is telling you to go spend some money… go Dr. Rickesha!
wow Rickesha is a true inspiration
Great job Rickesha! You’re one of my Sheri ❤. 2024, let’s get it 🔥🔥🔥
Congratulations Rickesha🎉🎉 Such an inspiration 😊
Rickesha is a BEAST! Good stuff!!
Dr. Rickesha is an inspiration!!
Thanks for your generosity Dave. May god keep blessing you all.
Go Rickesha!
That first call is INTENSE, working 60 hrs a week while 6 months pregnant sheeesh 😯 I hope the baby daddy steps it up... also i hope my Gen Z generation sees this, make wise decisions, wear protection guys or ATLEAST buy the morning after pill at minimum 😂
I’ll never understand why women allow broke men get them pregnant. Only adding more stress to the pregnancy and baby
@@MariyaslavaI LITERALLY had the same thought…it’s insane.
Broke men give more O’s
Eh, everyone makes mistakes, especially if you have other trauma in life that attracts you to that kind of person at that time. As long as she figures it out and turns things around, she will make it out!
@@cinycaybudgetsLove this take. The amount of childhood trauma linked to decisions like this is just sad. David always slams women though so we let him troll & ignore
That Surgeon , a Marine , Hard as Nails in a petite package
All these people calling in, are they even aware of what Ramsey teaches? Follow the steps guys!!! Omg.
Where can I find the steps?
@@smithgabrielle101 They usually post them at least once in the video - but you can also google "Dave Ramsey's seven baby steps" for more info about each one. Personally, I do not agree with #5 coming before #6. If you pay off your house early, you can cash flow the college and other expenses like a wedding. Too many retirees are still trying to pay off their kids' college because they made promises to their kids that affected their own retirement. There are lots of ways to pay for college besides saving early - there are few ways to replace funds you should spend on saving for retirement if you give it all to your kids. The ROI on four-year college degrees is terrible now - fewer than 50% of students who start a four-year degree finish in less than 6 years and they use that time to "find themselves" more than to get an education that leads to a good paying job.
Baby Step Action to take
1 Save $1,000 for your starter emergency fund.
2 Pay off all debt (except your mortgage) using the debt snowball method.
3 Save three to six months of expenses in an emergency fund.
4 Invest 15% of your household income for retirement.
5 Save for your children’s college fund.
6 Pay off your home early.
7 Build wealth and give.
Some folks just need directions from someone who they can trust in with. Some always feel stuck in middle of the lake most of the time. It can be scary for them from time to time so it understandable for them to make a phone call asking for help
As a retired educator of both high school and college students - parents, listen up: With almost no exceptions your kids are NOT going to pay off your PLUS loans you took out for their education for one simple reason. An 18-year old has NO IDEA about what the cost of paying back a big loan means. If you need to take out a PLUS loan for your kid, your kid needs to choose a less expensive college option. Don't sacrifice your retirement for your kids' college education! I don't care if you have $500,000 or more - that can disappear in a heartbeat with end-of-life medical expenses!!!
The second debt free scream was so inspiring I love how they work together they’ll make it in life man together man I love their respect for one another.
And so young! They were only 22 and both of them worked around the clock to get almost $100,000 paid off. So well done - and their work ethic is the strongest element they will carry with them moving forward. Loved how he put on the gloves to work right beside her, too. They both figured out a market and the best way to earn the most. Remember what she said, "You gotta WORK?"
Ramsey said babaaaay you’re not working enough😩😩😩 I love it! Gazelle mode!
The two past apartment complexes that I've lived at had the same policy of late rent. If we were 15 days late, we got an eviction notice. Luckily, we were only late once, because we both lost our jobs due to Covid, and we did catch up at that time, but it was still scary they threatened eviction with only being late once in 6 years.
Its not an eviction notice, its a letter to quit and its the beginning of an eviction, usually done by a management company, they serve people by the sheriff to scare you but as long as you pay with 30 days you're technically not late.
Many fathers to be don't pay child support until the baby arrives. Oft times paternity is challenged and nothing is given until paternity has been established. In Maryland, eviction procedures can start as early as a week after the due date. The court date is usually one week after filing. One week after the court appearance, the landlord can start filing for possession of the property if rent is not paid. Very quick turn around.
Rickesha awesome job
That first, pregnant, 27 yo lady. So alone. Hope she gets her bearings. Not fun finding yourself at such situation in life.
Finally, perhaps she should try and work for another salon to work at for now (it sounded like she is trying to do this on her own, and it is never easy at first and it takes much longer than people think.
Thank you for beeing so sweet💞
Not the tea on the “financial incest”. 😂😂😂
With an annual income of $65,000, there is no way that he can come close to affording a mortgage payment on a $300,000 house, especially if he’s only gonna finance it over 15 years.
Rickesha, congratulations!!!! 🎉 🎉🎉🎉🎉🎉
Rickesha you are awesome 🎉congratulations Doc.
Thank you for motivating me on a daily/weekly basis!!!! Thanks for the facts and opinions :) This show is a blessing to America!
1:31:42
A Jeff foxworthy joke from Dave. I love it 😂
Bravo, Rickesha! Happy for you!
VERY tough calls today - a lot of people have made and are making serious mistakes with their money (and lives) and you could just see Dave shaking his head (while George was trying to make the numbers work somehow!)
In reference to the Abigail call. I wish I would have had you say that stuff to me 30+ years ago. I finally walked away from my controlling mother 3 years ago. I am 56, I am mad at myself for putting up with her strings.
George is such a pro!
Thanks Dave my decision making is much better.
Not financial incest, woooo Lord be with this family. Mama needs to back way up & her son needs a backbone
Those can be found at Walmart 😂
Funniest thing Dave has ever said Winnebago means down in value 😂😂😂
30:13 An honest response to pushback on the $1,000 emergency fund rule.
Everything paid off, no debt but can't live on 80k? What.....
Yes! George is there!
Mr. Ramsey: we need you for President.
Run for office Dave!
Never do business with family, period. It never works out
WAY TO GO RICKESHA !!!!!
All these people come on wanting to take out debt. Y’all are not serious. Aren’t you sick of being in debt?
The first caller needs to just throw in the towel and go live w family untill after the baby is born if possible. Bc what is she going to do while on maternity leave? Also dave was right ab child support! She giggled and called it a " laziness problem"... Uh that's a cute way of saying you got knocked up by a bum. 😢
I agree. I think she is still with him. Unless I missed the we are not together part.
What a gal. Rickesha is beautiful smart and rich that is hard to find,
Woah Rickesha!!! WOW!!! So proud of you!!!
Please snip 1:00:20 !!!!!
This young couple is so cute🥰 congratulations
Why do people call in and argue about the advice given? Dave said to the guy $95,000 in debt and wanting to have a $9.500 wedding in April: "I will tell you what you should do and then you can decide what you will do." Correct. They are already married and they just want a party. OK - lots of ways they can have a party for a whole lot less and have a memorable event. Debt can make you creative - lots of places to get beautiful wedding dresses (or rent one) for not much money; have a bonfire cookout and roast hotdogs and marshmallows; rent two food trucks in a city park; have the wedding on a Friday or Sunday; do a morning wedding with a brunch (a lot less costly than a dinner); do a three-day cruise wedding and let all the guests buy their own tickets (cost would be under $2,000 for everything on most cruise ships and tickets are cheap in off season). Mobile is an embarkation point for cruises and within driving distance of Huntsville. Many low-cost venues if you look for one. If the bride insists on a big party for "her" day, just remember this will likely NOT be the last time she still wants to spend while you're in debt. Both my daughters chose inexpensive wedding dresses (actually from the Bridesmaid section!), but both of them now wish they had rented one b/c the dresses (after an expensive dry clean that cost more than the dress) have remained in a box ever since.
You know you’ve screwed up or about to screw up when you’re a grown man and Dave calls you “Honey”.
Food
Lights water
Rent
Car payment
He dud not say "car payment." He said transportation. The Ramsey folks do not condone car payments (for obvious reasons, not the least of which is that most people are immediately upside down) - they state all the time that a person should save up and buy a car with CASH. Mathematically, if someone who takes a car loan cannot pay it off in its entirety in 3 years, that person will be upside down. So many people roll over the remaining debt into the next car loan payment and then, not surprisingly, find themselves trying to pay off a $60,000 "car" which is really worth only $30,000 even new. Personally, I don't think this show gives enough MATHEMATICAL calculations on what cars can do to people. Car payments are as dangerous as student loans and CC debt because too much car also results in expensive repairs (when needed) and high personal property tax (in states where you have to pay it.) In my state, you only get your personal property tax bill for your car 2 weeks before it is due - and the whole lump sum is due all at once and can be well over $1,000 for a new(er) car - and that's only ONE car. So what do people do? Put the expense on a CC!
if you need a videographer for your Wedding hire Emmaus! He was amazing for my wedding! 👏
Great team. So grateful for the knowledge, wit, and wisdom.
Don't forget to use The Master Key.
It blows my mind every time I see somebody with savings and investments sitting around while holding credit card debt
George!
I think she is with baby daddy and he is waisting her money. I did not hear that she was separated from him. If im right, she needs to ditch him fast. She said he is excited about the baby but is not helping financially. Ugg
As someone with a degree in greenhouse growing… it’s a horrible business most average around 4% profit margin annually and you’ll never have a vacation
I live in Winnebago county what the heck😮
So excited to see y’all advertising the Hallow app! This has changed my life.
Yessss Rickeisha👏🏾👏🏾👏🏾👏🏾
Awesome show
Kathy is giving money to her boyfriend that’s why she’s broke.
Congratulations to Rickesha on her debt free scream!😃😃
Benjamin save cash as we were paying cash to a builder and he took our money. Builder said we needed a loan to finish the house. We got a loan. We had to hire an attorney. Builder wanted us to foreclose so he could get our house.
I'd take from the 401k not the Roth because the Roth can keep growing tax free
The so fi commercials that play on every episode are so annoying
It works!🎉 student loan forgiveness :-)
A boat is a trailer that floats 😂
Finally, a real debt free scream!!
“We don’t have any running water, use an outhouse and have a baby. Umm… We love it.”
… Sure you do. 😂
A $60k truck on a $90k salary ?.....lol, that's beyond stupid.
Franco gonna keep paying them bills, Franco gonna let her stay there lol
Franco simpin hard
Who do we think Dave is voting for in Nov? 😂
The first caller is in trouble plus typical female chose the deadbeat lol