My older brother did the tax lien thing and lost everything. He was so desperate that he stole money to keep himself afloat. He thought he can take short cuts in life because of his high 175+ IQ. Thank you, Dave for being transparent about this.
I got my 2021 F150 paid off 2.5 yrs early on a 6 yr term thanks to the RAMSEY way. Now it's saving up cash for the next project on at the house, and stacking cash with what I have left over after covering regular bills. Thank you for all the good work you have done over the years helping people find their way. Hoping to come down next spring/summer to watch a show and grab some books for friends to get them on the right track going forward. Teaching my 19yr old now to get money put away, avoid fees and get ahead as soon as he can so he can live well down the road.
I am AMAZED that in the age of the Internet when there are HUNDREDS of TH-cam videos on saving money in different ways, budgeting information, ways to reduce grocery and other costs, and cooking videos to help families get meals on the table inexpensively and quickly that SO MANY people are just not paying attention. Never have we had more knowledge, but it's clear that knowledge is actually NOT power (to reverse the saying), DISCIPLINE is power! The favorite song these days is to be stuck on the third note of the diatonic scale (for the non musicians, it's me, me, me me...)
They need to have a basic money mangement class before graduating high school and in college. No reason that Y, Z generation cant be millionaires by 50 with NO cost trading on Fidelity and fractional shares of stocks. END OF STORY!!!!!
@@investing2000I don’t think it would change a lot. My kid’s district has a class like this in 9th grade. Just because they are given the info doeymean kids will use it. I agree the original comment that lack of info is not the cause of people’s money woes.
@@investing2000 Our state has a graduation REQUIREMENT for every student to take a personal finance and economics class AND pass the end-of-course exam which is made by a company, not by the teacher. Has that changed behavior and made young people choose less expensive colleges, carry cheaper cell phones, reduce spending on tattoos/piercings/expensive tennis shoes and name-brand clothes? Not that I can see. I stand by my original point. It's not that knowledge is missing; discipline is.
Barbara - LOOK AT THE SIGNS AND FLEE! You are currently an example of "love is blind." NO man is worth the problems this particular one will bring into your life. Choose better.
If she doesn't want to flee, perhaps she can smarten up and just remain b/f and g/f. Let him live at his "shore" home with the money problems, and she can live in her own home without money problems. At the end of the day, she can go home to no stress. Why would she want to invite some 75 yr old's money problems into her life ?
By the shore, his house stands still, A mortgage reversed, yet he won't fulfill The urge to leave or sell his space, The sea's his home, his anchored place.
I do tax lien investments and it’s really hard. Most properties are what we call “bandos”. They are the worst of the worst. Be smart about it and be really picky.
@min 16- why even marry at that age? Why not be platonic best friends? Share coffees and time and walks and faith and fun but not inherit each ithers financial problems. Why marry now?
To the ring… Me and my wife both understand that diamonds are dirty dirty business and we don’t want to support it. So her ring is a saphire and she was happy with it. There are also lab grown diamonds if you insist.
Our last name is Green and all I wanted was a green wedding ring. Not even sapphire. Just a cheap stone from Walmart in the shape of a heart, all green and gorgeous. I get SO MANY COMPLIMENTS! They don't even care it's not a sapphire, like I don't. Invest in your marriage, not your bling!
I brought a 7800 sq ft lot in Riverside county, Ca. For 3200. They didnt redeem the property within 1 year so its mine. Dave is right, you have to do a title search to see what leins are on the property if any.
In Pa the first sale is the upset sale. You do assume any mortgage. Homes not sold on this list list come up again in a judiciary sale. Mortgage is cleared.
The caller from Greenville, SC had the nerve to bring up the current administration when he sold his house, started renting, and spent the profit on fixing up someone else’s house. 😳😳 Don’t blame the current administration for YOUR poor decisions! Such a cop out! Like Dave said you pissed away $90k, have one small baby with one on the way. Clearly a case of “blameisn”. OWN IT!
The president is always an easy scapegoat but they have a lot less power than that, especially when they don’t have a house and senate that backs them. Just an easy way to sidestep your own personal responsibility.
Really weird how that "born again" guy who "repented of his financial sins" and is working on "loving his wife like Christ loves the church" wouldn't give a straight answer about what those sins were. Something not adding up there and he is hiding behind bible language as so many con artists do...
He would make a good politician the way he just refuses to answer a question. Suprised he didn't start going on with "well I was born a middle class child..."
I have an elderly apartment neighbour who is born-again. We live in tiny microflats She keeps telling me that God is about to provide her with a free, three-bedroom house. She would have had $15,000 in food stamps by now if she'd signed up when I told her she was eligible. Instead, she runs out of money at the end of each month. As an untreated diabetic she can barely walk, but insists that mobility devices are "worse than death," so she talks others into going out to buy her food. She can no longer cook or clean, but refuses to sign up for elderly housing or even let anyone in her room to clean it. God will soon restore her to full health and she's going to get a job at age 80. But she won't give up her soda addiction.
It has nothing to do with the money. It was a tally mark she could put in his + side of thw scale to help balance and justify the very bad decision it is to " unequally yoke" herself to this guy. They are not financially aligned or life aligned... so it is not a good deal ... but she was throwing out all she had . 😅
"save up and get a ring"; spend tens of thousands on a wedding ??????? I spent less than $250 on the ring I gave my wife - in fact, it was a necklace since I was scared to ask about her ring size ... Her mom spent less than $6k in total on the wedding. We've now been married for almost 10 years. we've bought houses together (we own 2 houses right now, but there is mortgages on them) We have more than $600k in retirement The size of the diamond means nothing - it's your love. She much prefers flowers (both cut flowers and potted plants). At this time of years - she loves crysthanenums (I think that's how they are spelled). Similarly, Champagne to celebrate all of the milestones. Good Chocolate to mellow the bad days. Silly money on a single day; silly money on a ring? Wait until you can buy it in cash ... and maybe you (AS A COUPLE) may never WANT it. Bling can get stolen. Love cannot!!!
Dave, most people are a paycheck from homelessness. If you ever fell on hard times, be grateful to those who help you, because it could easily happen to you like it can happen to all of us.
Boxing ears is when you attack the ear drum with a cupped hand to cause damage to the ear drum. It's painful and gives you an advantage in a fist fight.
They don’t know when they’re getting married. He could lose everything before they get married. Dave’s advice is right. Why should she have to sacrifice for her boyfriend’s mistakes? No, they’re not married. He needs to sacrifice for his own mistakes.
Dr. Phil demonstrated an AI message in Spanish where his mouth movement matched the words. I bet that will become commonplace soon enough. And, closed captioning should be available already.
@@TulsaDude there are many videos on this very site that can explain it in thorough details. The terms I used to find them was “betterhelp controversy”
with a reverse mortgage you don't have a payment. Bad move but now they might as well live in that house. If she sold her house maybe they could pay if the reverse mortgage and still be ok. the call was somewhat confusing so I am not sure if I got all the scenarios correct.
When couples have separate accounts for the finances.... How the heck do they pay the mortgage and all the bills? They do a percentage based on salary? How do they pay for family vacations? Crazy. Absolutely nuts. They each buy their own groceries and act as roommates? Those steaks are mine? Those Doritos are mine?
This generation of mental and emotional problems are making me piles of money , especially woman , afraid my boss is gonna yell at me , I don’t want to commute etc , what happened to them? WW 2 , Vietnam , Korean generations , hard , my boss can yell at me till he blue in the face and I won’t even think about it a second later , time to Man Up , Big Boy Rules , no crying in baseball , Marine Corp suk it up buttercup , Enjoy the Suk , u have no idea how good u really have it
They don't usually hang up, they mute callers and then pass them onto the booth team who take them through aftercare. All the hosts do is control the call for the benefit of the caller, advisor and audience x
Dave said some BS about tax liens. I like Dave but the mortgages do not supersede the tax lien. It does clean the title as long as you notify all lien holders before foreclosing on them via the tax sale certificate. Dave don’t know shit about tax sales. He’s done 2 of them by his own words. All states and county’s have their own regulations and you have to read them.
I think she stopped working and the 20k was her expenses to live? She doesn't share finances with her husband so she didn't have access to money. I think.
Ryan, no you are not financially ready to get engaged. Pay off your debt and see how well she pays off hers. And I hope your fiancee is considering going to a COMMUNITY COLLEGE to get her nursing degree, not to a four-year college.
@@torsten6777 Actually, no. Our community college nursing students graduate with an ADN (Associates Degree in Nursing) and then sit for the NCLEX-RN state licensing exam after which they are an RN (registered nurse.) Those who wanted a BSN (Bachelor of Science in Nursing) transfer to our four-year colleges to do an additional year. But our nurses did go through the program year-round, which included summers so that was the equivalent of three years of study. Requirements may vary by state and employer, but every healthcare facility is so desperate for nurses now that I do not think a nurse with a community college degree who has passed the state board exam would have any trouble getting a job as a nurse because at that point she is a registered nurse.
![[UNCUT] The Loyal Pin ปิ่นภักดิ์ EP.15 (2/4)](http://i.ytimg.com/vi/qbHbshrA1f0/mqdefault.jpg)
My older brother did the tax lien thing and lost everything. He was so desperate that he stole money to keep himself afloat. He thought he can take short cuts in life because of his high 175+ IQ. Thank you, Dave for being transparent about this.
BS on the IQ
IQ vs common sense.
I got my 2021 F150 paid off 2.5 yrs early on a 6 yr term thanks to the RAMSEY way. Now it's saving up cash for the next project on at the house, and stacking cash with what I have left over after covering regular bills. Thank you for all the good work you have done over the years helping people find their way. Hoping to come down next spring/summer to watch a show and grab some books for friends to get them on the right track going forward. Teaching my 19yr old now to get money put away, avoid fees and get ahead as soon as he can so he can live well down the road.
Why do i love when dave get pissed off 🤣🤣🤣
I am AMAZED that in the age of the Internet when there are HUNDREDS of TH-cam videos on saving money in different ways, budgeting information, ways to reduce grocery and other costs, and cooking videos to help families get meals on the table inexpensively and quickly that SO MANY people are just not paying attention. Never have we had more knowledge, but it's clear that knowledge is actually NOT power (to reverse the saying), DISCIPLINE is power! The favorite song these days is to be stuck on the third note of the diatonic scale (for the non musicians, it's me, me, me me...)
They need to have a basic money mangement class before graduating high school and in college. No reason that Y, Z generation cant be millionaires by 50 with NO cost trading on Fidelity and fractional shares of stocks. END OF STORY!!!!!
@@investing2000I don’t think it would change a lot. My kid’s district has a class like this in 9th grade. Just because they are given the info doeymean kids will use it. I agree the original comment that lack of info is not the cause of people’s money woes.
@@investing2000 Our state has a graduation REQUIREMENT for every student to take a personal finance and economics class AND pass the end-of-course exam which is made by a company, not by the teacher. Has that changed behavior and made young people choose less expensive colleges, carry cheaper cell phones, reduce spending on tattoos/piercings/expensive tennis shoes and name-brand clothes? Not that I can see. I stand by my original point. It's not that knowledge is missing; discipline is.
Dang i love this comment.
Most busy and are consumed watching TicTock and instagram …..😮
“circumstances changed for us” is code for “we did something dumb and are using this as an excuse”.
@kellellbelle - absolutely! - and add to that the refusal to take real accountability.
Ha ha 😂
Barbara - LOOK AT THE SIGNS AND FLEE! You are currently an example of "love is blind." NO man is worth the problems this particular one will bring into your life. Choose better.
If she doesn't want to flee, perhaps she can smarten up and just remain b/f and g/f. Let him live at his "shore" home with the money problems, and she can live in her own home without money problems. At the end of the day, she can go home to no stress. Why would she want to invite some 75 yr old's money problems into her life ?
The guy is 75 and hasn’t learned and won’t choose to change I’m sure!
Dave Ramsey is a hero!
No, he cannot help everyone
I was starting to miss the "Debt Free Scream" episodes! So happy it's back!
I suppose we should be grateful to Dave for sharing that massive loophole with us.
God Bless you Dave! I'm millenial and love watching your show!
By the shore, his house stands still,
A mortgage reversed, yet he won't fulfill
The urge to leave or sell his space,
The sea's his home, his anchored place.
😂
👏
Awesome!!! 🙌🏾🙌🏾 lol
You should sell a book of your poems lol
I do tax lien investments and it’s really hard. Most properties are what we call “bandos”. They are the worst of the worst. Be smart about it and be really picky.
Josh, SERIOUSLY??? The car is not your problem - your uncontrolled spending is the problem.
@min 16- why even marry at that age? Why not be platonic best friends? Share coffees and time and walks and faith and fun but not inherit each ithers financial problems. Why marry now?
George and Dave 🙏👏👏🔥
To the ring… Me and my wife both understand that diamonds are dirty dirty business and we don’t want to support it. So her ring is a saphire and she was happy with it. There are also lab grown diamonds if you insist.
Lab diamonds are diamonds. Yep! That is what I would get today if I was getting an engagement ring.
Our daughter chose a lab grown diamond and is very happy with it. I like my real diamond.
You can buy responsibly sourced diamonds, now, too
Sapphires are more beautiful! Good job
Our last name is Green and all I wanted was a green wedding ring. Not even sapphire. Just a cheap stone from Walmart in the shape of a heart, all green and gorgeous. I get SO MANY COMPLIMENTS! They don't even care it's not a sapphire, like I don't. Invest in your marriage, not your bling!
Great episode! Valuable information!
I brought a 7800 sq ft lot in Riverside county, Ca. For 3200. They didnt redeem the property within 1 year so its mine. Dave is right, you have to do a title search to see what leins are on the property if any.
Dave loves us well. ❤️ ❤❤
Barbara, what makes you want to fix a 75-year-old?
Right. Why marry into that mess later in life.
....better yet, what makes her think she CAN fix a 75 yr old ?
She is in looooovvvvveeee.
@@pamsmith1665😂
@milo - because, unfortunately, that is in the DNA of many women.
In Pa the first sale is the upset sale. You do assume any mortgage. Homes not sold on this list list come up again in a judiciary sale. Mortgage is cleared.
The caller from Greenville, SC had the nerve to bring up the current administration when he sold his house, started renting, and spent the profit on fixing up someone else’s house. 😳😳 Don’t blame the current administration for YOUR poor decisions! Such a cop out! Like Dave said you pissed away $90k, have one small baby with one on the way. Clearly a case of “blameisn”. OWN IT!
The president is always an easy scapegoat but they have a lot less power than that, especially when they don’t have a house and senate that backs them. Just an easy way to sidestep your own personal responsibility.
5 years in parents basement. Hell yeah! That's how we grind!
😂
😅
Really weird how that "born again" guy who "repented of his financial sins" and is working on "loving his wife like Christ loves the church" wouldn't give a straight answer about what those sins were. Something not adding up there and he is hiding behind bible language as so many con artists do...
💯
He would make a good politician the way he just refuses to answer a question. Suprised he didn't start going on with "well I was born a middle class child..."
He also referenced administration changes as if anyone but himself is responsible 😑
So shady..
sounds like a recovering addict who is too ashamed to admit it on the show.
Why does your money problems become better when they say…”I am born again and a Christian? GEEZ!
I have an elderly apartment neighbour who is born-again. We live in tiny microflats She keeps telling me that God is about to provide her with a free, three-bedroom house. She would have had $15,000 in food stamps by now if she'd signed up when I told her she was eligible. Instead, she runs out of money at the end of each month. As an untreated diabetic she can barely walk, but insists that mobility devices are "worse than death," so she talks others into going out to buy her food. She can no longer cook or clean, but refuses to sign up for elderly housing or even let anyone in her room to clean it. God will soon restore her to full health and she's going to get a job at age 80. But she won't give up her soda addiction.
It has nothing to do with the money. It was a tally mark she could put in his + side of thw scale to help balance and justify the very bad decision it is to " unequally yoke" herself to this guy. They are not financially aligned or life aligned... so it is not a good deal ... but she was throwing out all she had . 😅
They dont
This is a right wing religious money organization. It makes them seem like better people than they are to people who believe
@laundrygoddess4 what an absurd comment. Political beliefs are irrelevant here. 😅
"save up and get a ring"; spend tens of thousands on a wedding ???????
I spent less than $250 on the ring I gave my wife - in fact, it was a necklace since I was scared to ask about her ring size ...
Her mom spent less than $6k in total on the wedding.
We've now been married for almost 10 years.
we've bought houses together (we own 2 houses right now, but there is mortgages on them)
We have more than $600k in retirement
The size of the diamond means nothing - it's your love. She much prefers flowers (both cut flowers and potted plants). At this time of years - she loves crysthanenums (I think that's how they are spelled).
Similarly, Champagne to celebrate all of the milestones. Good Chocolate to mellow the bad days.
Silly money on a single day; silly money on a ring?
Wait until you can buy it in cash ... and maybe you (AS A COUPLE) may never WANT it. Bling can get stolen. Love cannot!!!
Oh, and between us we earn more than $150k before taxes/etc. We could afford bling - we just value other things instead ...
Sounds like you’d rather spend money on houses than on your wife.
Dave, most people are a paycheck from homelessness. If you ever fell on hard times, be grateful to those who help you, because it could easily happen to you like it can happen to all of us.
Picking new ideas! 👍
Boxing ears is when you attack the ear drum with a cupped hand to cause damage to the ear drum. It's painful and gives you an advantage in a fist fight.
Effie's situation is wrong in so many ways!😮🙁
Either she's a total flake (and that's why her husband wants to keep things separate), or he's an a**hole.
Immature people don't do well with finances
She was sketchy with her answers too, time to come clean
please do another show with mike rowe.
caller with the reverse mortgage sell her house, pay off the reverse mortgage and live by the beach happily ever after missed on that one
They don’t know when they’re getting married. He could lose everything before they get married. Dave’s advice is right. Why should she have to sacrifice for her boyfriend’s mistakes? No, they’re not married. He needs to sacrifice for his own mistakes.
Wish the show was in Spanish so my parents can watch it
same
They can watch Andre Gutierrez. Andre worked for Dave and teaches his principles. Good luck!!
Dr. Phil demonstrated an AI message in Spanish where his mouth movement matched the words. I bet that will become commonplace soon enough.
And, closed captioning should be available already.
Feels weird seeing a better help ad on the Dave Ramsey show, especially after all the controversy they’ve had over the years
What controversy
@@TulsaDude there are many videos on this very site that can explain it in thorough details. The terms I used to find them was “betterhelp controversy”
Yeah that company has been creeping back, I've heard the ads on some other shows lately also. I thought they went away years ago
1:08:50 Stan and Carol for the win!
there are regular you tube ads for tax lien investing.
Josh in Greenville is fluent in Yap-anese
😂😂😂😂😂
hey Dave, you can't force someone to work with you- I am married to one of them. Should I have married him- no, but I did.....
But he lives half a block from the shore
George: OH MY GOODNESS
The total exasperation 😂
Rings and a wedding can be done for 100 bucks, don't overthink it
That probably depends on your definition of wedding. Marriage sure, but I think a wedding might cost a bit more.
with a reverse mortgage you don't have a payment. Bad move but now they might as well live in that house. If she sold her house maybe they could pay if the reverse mortgage and still be ok. the call was somewhat confusing so I am not sure if I got all the scenarios correct.
Good ol' Jersey boy needs to sell his house.
But it’s a half block from the shore!! The bank will make a killing off of it eventually lol
@@mike112079 yup, the longer he holds onto it, the better position the bank is in.
When couples have separate accounts for the finances.... How the heck do they pay the mortgage and all the bills? They do a percentage based on salary? How do they pay for family vacations? Crazy. Absolutely nuts. They each buy their own groceries and act as roommates? Those steaks are mine? Those Doritos are mine?
So he blew through his reverse mortgage. This is what im hearing.
George!
When is the last time Dave filled his truck up? I just paid $2.99 today lol
I'm not sure it was all Effie's husbands fault. She played the victim very well. Not that he's a good guy, but there is so much more to that story.
Thank you for saying that. It is definitely necessary to hear her husband’s side of the story. It could be entirely different.
Josh I couldn’t even listen to
I’d say that postpartum mom needs to file for divorce .
It feels so weird when Dave calls other men "hun" 😂
The wanna be cop that was looking to commit fraud should stick to trucking. Cops don't do well in prison.
To the Kamala Harris ads…you can’t talk about cutting taxes without talking about cutting government spending…it’s intellectually dishonest…
This generation of mental and emotional problems are making me piles of money , especially woman , afraid my boss is gonna yell at me , I don’t want to commute etc , what happened to them? WW 2 , Vietnam , Korean generations , hard , my boss can yell at me till he blue in the face and I won’t even think about it a second later , time to Man Up , Big Boy Rules , no crying in baseball , Marine Corp suk it up buttercup , Enjoy the Suk , u have no idea how good u really have it
Dave just hangs up 😂 I wish they’d end the calls better sometimes, feels weird
The caller usually yaps too much.
They don't usually hang up, they mute callers and then pass them onto the booth team who take them through aftercare. All the hosts do is control the call for the benefit of the caller, advisor and audience x
Can someone please explain the "trump coin" to me
Dave said some BS about tax liens. I like Dave but the mortgages do not supersede the tax lien. It does clean the title as long as you notify all lien holders before foreclosing on them via the tax sale certificate. Dave don’t know shit about tax sales. He’s done 2 of them by his own words. All states and county’s have their own regulations and you have to read them.
Exactly
I bought a few tax foreclosures around 10 years ago in NY and the mortgages got wiped out through the tax foreclosure.
@@torsten6777 correct, usually the banks will redeem the property. Sometimes you get a win!
RIP THE RAMSEY SHOW OM TH-cam 💔💔💔
How did the lady with the post-partum accumulate $20K in CC debt? She got the debt because she had post-partum?
I think she stopped working and the 20k was her expenses to live? She doesn't share finances with her husband so she didn't have access to money. I think.
Her husband was of no help. They need marriage counseling.
Is this the Ramsey show?
Every finance show is make more money, spend less and pay off debt. Nothing new under the sun
Dave called him Hun , in the hood that’s like giving a man a pink lighter or calling him Baby Girl , LMAO
OMG. Sharon couldn't find Dave's speck he said. Way too small, he said. Said she needed a magnifying glass lool.
Ryan, no you are not financially ready to get engaged. Pay off your debt and see how well she pays off hers. And I hope your fiancee is considering going to a COMMUNITY COLLEGE to get her nursing degree, not to a four-year college.
You cannot become a registered nurse in 2 years. It requires a 4 year degree.
@@torsten6777 Actually, no. Our community college nursing students graduate with an ADN (Associates Degree in Nursing) and then sit for the NCLEX-RN state licensing exam after which they are an RN (registered nurse.) Those who wanted a BSN (Bachelor of Science in Nursing) transfer to our four-year colleges to do an additional year. But our nurses did go through the program year-round, which included summers so that was the equivalent of three years of study. Requirements may vary by state and employer, but every healthcare facility is so desperate for nurses now that I do not think a nurse with a community college degree who has passed the state board exam would have any trouble getting a job as a nurse because at that point she is a registered nurse.
They are not debt free. They paid off student loans. They still have a mortgage. (Debt free scream)
George and Dave🩵🩵
He talks about weird people calling grown men honey is weird
Dave & Tik Tok got BEEF. 😂
he calls it tiktac lol
58:08 did Dave mix up “Nirvana” with “Pirhana” here?!
Yes.
Uhhhh.... Is Dave on wegovy and the nerdy guy is bulking up?? 👀 I'm for it... Also holding out for a Dr Deloney Bares All Twitter page...