No More Excuses: Get Your Debt Cleaned Up! | July 18, 2024)
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- เผยแพร่เมื่อ 15 ต.ค. 2024
- The Ramsey Show (July 18, 2024)
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Dave Ramsey & Ken Coleman answer your questions and discuss:
The importance of being open and honest with your spouse,
When to stay put and when to find another job,
Don’t use your kids as a piggy bank,
The real costs of starting a business
“You don’t own a house with people you aren’t married to”
Starting over after the death of a spouse
“How do I make myself more valuable at work?”
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![เปิดใจ "อาจารย์เบียร์ คนตื่นธรรม" อดีตเคยสุดทุกทาง ถ้าใช้หนี้หมดไปบวชแน่ l [Nickynachat]](http://i.ytimg.com/vi/IxeE0xVhy08/mqdefault.jpg)
We own a million dollar property, paid cash. You won't regret it no better feeling. Single income home and not bringing in anywhere near $100,000/yr. Debt free under 40. Thanks ramsey team.
Congrats that awesome. You all probably feel like anything is possible.
@teresap2363 yep pretty much. We are building a rather large building cash right now and at our age its so amazing.
Dave’s straightforwardness is of infinite value
Thank you so much Dave , because of your shows, I paid off my depth and now I’m stress free. And I’ve been saving my money for more than a year now.
Always gets so excited to see Dave!! I learn so much from him
Thank you Dave, and thank you Malik for sharing your experience.
Ken’s face when Dave cuts him off gets me every time 😂
I can only conclude that the lady who called asking about her boyfriend moving into her house and them keeping their assets/money somehow separate while sharing the home (I not only got exhausted...I got really confused) has not listened to Dave Ramsey very long. You will NEVER hear him recommend doing what he calls "playing house". If I were involved with a man for YEARS and he had not yet decided he wanted to marry me, I would be history. Maybe it's just me, but if a man had not decided to marry me after we had been dating for a year or so, I would assume he was NEVER going to be interested in marrying me and I would move on.
Ahh dang that’s crazy.
Lady with the husband who's left multiple times. You will do so much better in your life and career once you get rid of him and move on. He is probably making you feel like you can't do it alone, but you can. Good luck, it will continue to get better. Don't go back.
Amen sister! You will thrive when you lose that dead weight
There's another woman, probably other women in the past. He's dating.
Yup. We are usually the reason we’re in an uncomfortable position. When you stand up you can be freed
I like how Ken is a straight shooter and has compassion. I think him and Dave work well together
SSA is very clear that the money dependents get can *not* be spent on anything that doesn't serve the dependent.
I find it kinda strange because they said you can't just save the money but I have like a 14yr and he doesn't need as much as he gets but in the paper work it says you need to spend most of it you can't just save it for him. I don't know I don't want to use it on anything for the house just hope we don't get in trouble for not spending it
Maybe things have changed but when my son was receiving social security, we received yearly paperwork that required us to account for the money he received. I put all of his money in his savings account. And that was acceptable.
As soon as she called them both my “kid” I knew what was coming. How awful to spend that money on yourself! It’s for THEM! Your babies , your children , son, daughter/insert name
Mom passed when I was 14, my dad used the SSI to pay for food, clothes, gas and car maintenance later, personal training for basketball, and general spending money in high school. 900 per month was really helpful back then
Some hillbilly from Tennessee showed me how to get out of debt, stay out debt, have a paid for house and retire a millionaire.... 😂😂😂
?
I know the Hillbilly from Tennessee.
@@kenmurithi3509 Aye
Hospice nurse here. It can be a great income depending on your location. It is a very physical job, however. You will be in homes moving and caring for people without help at times. I get the feeling you may already be caregiving? Don’t count on not being required to lift, bend, tuck and roll. It is a very rewarding career if you are truly called to it! 🙏🏼
Definitely, that can also be a very physical job, though there are some nurses that work exclusively doing care plans and evaluations etc for folks in facilities, so hopefully she can find something like that
Thank you for the AMAZING work that you and your colleagues do. ❤
I am a hospice nurse. It is very physical. Nursing in general is very physical, time consuming. You will work evenings, weekends, holidays, 12-hour shifts, with very short or no breaks. It takes a special person to do it. You won't be poor as a nurse, but it won't make you wealthy. Hospice nurses will work around the clock and nap when they can. Unfortunately, people die around the clock.
Did the first caller say his new wife was 25 and had been married for 8 years in her prior marriage? So how old was she when she got married? 🤯
I’d be ending this marriage and move forward with my life. I don’t think I’d ever trust someone who lied about that. He’s 23. Let it be a life lesson.
I thought the same. She was 15?
She got divorced and immediately got married.....red flag.
@@eightiesaddictone9063 everything about her is a red flag, imo. Saying she got screwed with a car loan, ex husband was abusive- those things may be true, but give me the sense that she always sees herself as the victim and things just happen to her. And she seems to have convinced her new husband of this, too.
@@marcelamartinez9202 I can’t tell, I’m so confused.
25 - 8 = 17
Dogs are not for broke people. Like children, do not start a family unless you an afford it.
Agree about dogs, wrong about children
Totally don't understand why people have children they can't afford. So unfair to the child/ren.
To the man who is going to start a mobile car detailing service. I am on three neighborhood watch groups in a fairly large city and there is at least one ad for mobile detailing on each one every day and also one for duct cleaning. Every car wash in our area does detailing and 90% of them will pick up your car from your home and bring it back. I doubt that there is much money in either of these professions.
I understand that he wants to build fancy things. If he limits his market to fancy items, he's cutting off all the people who need railings and ramps built for handicapped family members, fence building or repairs and attic or basement remodeling, all of which I had done in the past two years. And I hired everybody through word-of-mouth and referrals from my friends and neighbors. He should get a job right now and do side work and he will be so busy he won't have time to sleep!
To Lindsay. You still have to do lifting as a new nurse. In nursing school and after before becoming a hospice nurse. End of life care does not mean neglect of care. The patients have to be pulled up in bed turned and changed their diaper.
Maybe look into Occupational nurse and work for a large corporation. It's not a bedside position. It's teaching employees about health. Look into employment at a pharmaceutical company. They hire nurses.
Bedside nurse is physical work. Look into administrative nurse but you have to do bed side before.
I love daddy Dave, sassier than ever!!😂😂😂
At time 49:00: NO taunting.
Over alimony or anything else.
That can backfire to your disadvantage.
Get a good lawyer: she does talking.
Alex from New York is either slow or high af 😂😂
Most New Yorkers are.
Why do people who live w bf/gf still call in?
Someone must have set them up. “Call Dave Ramsey, he’ll give you good advice about your girl/boyfriend lmao
So they can get help lol like ppl in debt
Great duet! Thank you Dave and Ken!
RIP Bob Newhart
Caller: "The dog died..."
Dave: 😂
I wish I had the financial issues your callers have, I am just barely surviving. I don't want to be "rich" just eliminate debt, easir said then done. I dug my hole, I can really afford only to peer out and wish my situation was as easy as some of your callers. Folks you don't realize it but you are in so much better position then most. Just stop spending and taking on any more debt. I know it's like a drug... Listen to me before you find yourself with no more options. Thanks Ramsey for the information we need to hear.
Peopel are still switching jobs for 15% raises. Im experiencing that right now. Switching to a new company, same job title. 16% raise
You can’t spell “people” and someone was willing to pay you? Congratulations, you are overachieving in life.
@super1234567891011 Sometimes if you were talking into the text part of your phone and something is mispelled you can't always get the edit to post..
@@super1234567891011Your. Parents must be so proud of how rude you are.
I just switched for %15 in May
@@Joce123You just made a rude comment while calling someone else rude. 😅😅😅 Pot, meet Kettle.
Thank you Dave for truly inspiring and educating those of us who didn’t learn the fundamentals of economics and wealth in the early years 🎉
I've been an RN for 10 years. Hospice Nurse encompasses physical activity. Not sure if caller realizes that. I'm going for my Masters in Informatics. Made 6 figures most of my career so far.
Malek is fabulous! Very realistically down-to-earth. GOD bless him!
Great team today. Thank you Dave and Ken
Great insights and suggestions for everyone to learn more and experience
I kept thinking about the single woman in my neighborhood who hired a guy to do some work for her and he convinced her to "pay" him with part of the deed. He now owns a lot of her home and he is no where near her. It is an awful situation.
I bet he promised her more than he could deliver. And she was naive
James in Raleigh, you ARE A SMART MAN. Start telling yourself this and believe it. (Because the world will see you as you see yourself).
I believe in you. You got this✨
The lady whose husband is threatening divorce is in such a sad situation. Unless there is more to this story that she is not explaining, this sounds emotionally abusive. I would be surprised if there wasn't something else going on here, as well - an addiction, gambling, affair, or some other reason he wants cash besides a race car.
I would bet he's got a side piece who's younger than the wife....
I was in that lady's position. When my ex hit his midlife crisis, he turned evil.
I was in the same situation with three minor children, no job and our house value plummeted (2009 economy). It was very difficult to ask, but my family helped me get back on my feet. He is self-employed and only claimed a fraction of what he made. He continued to tell me I could never do it without him. It may sound spiteful, but his words drove my determination to succeed. 16 years later, I make close to 6 figures and more importantly, I can look at myself in the mirror and be happy with myself everyday. If I can do it, you can do it! I believe in you! It will take hard work, but it is better than being emotionally extorted. I am rooting for you!!
Can the physical therapist look into being a childrens therapist? Or home health? I work w children as a PT and i save my hands . Praying for you! Hospice nurse is very physical too, which I know u already do.
As a hospice nurse, I can confirm you will be turning patients and helping transfer, at least.
San Antonio is military city, the stay in your lane comment probably came from an Army Vet lol
Excellent job Malik!!
Dave has such patience with callers 😂
1:26:11 check into second-degree programs. They may cost a little more, but the timeline would be greatly sped up and you’d be in the market earning money quicker.
I came here today to hear Dave say "Dumber than a rock!". Lets see if I get my wish.
i had rewind that first call and got a good laugh
Can some explain if credit goes from 350 to 900 how is a 600 “bad”? Even though I don’t use credit I never under stood how more than half is still bad.
1:12:15 👀 the dude doesn't want to marry his 5 year 53 yr old girlfriend 😂
Dave &Ken are amazing 👊🏼🩺😎
There are a lot of good churches that have no or little marriage council in. Yes, there are pastors that have some basic skills, but that in no way makes them experienced experts.
As humans we don't like to understand our own reality when it comes to $$$
Especially when using credit cards. It truly gives a false sense of how much money you really have.💸💸💸
Working through nursing school is not for everyone!! It’s nonstop work getting through the program. I worked weekends only
Thanks Dave and Ken
This girl was married at 16 or younger ?! She’s 25 now and was married 8 years to first husband?! And now on her second? She was a child😢
Poor 23 yo. I'm on the other side of the fence, you screw me with my money you're done you disappear into the abyss
Love Dave and Ken duo. ❤
I’m literally in the same boat as that guy with the bmw. Got a truck through Toyota financial truck is $16,000 less than I owe
I did start my own business with only 2 months saved.... Best thing I ever did I make 3x more and I work less. But it depends on the field you are in and the demand. If I had of kept working for that company it would have took me 6 years to save up a years worth of expenses. Not worth it
Ok I really do not understand these folks who have 70+/year jobs and unable to pay their bills. Because they live in a high cost area if the country. Move or change jobs! You are not entitled to live where you can't afford it! Wish I had 70/year to work for. Thanks Ramsey for the valuable info. I am trying...
The outer music at 31:10 has no business being as siiiiick as it is. Anyone got a source for that stock music? 😂
Why is option to try settle debt for a few cents on the dollar always an easy suggested option?. You made the the debt so you should be responsible to pay all of it back in full
Vince in Phoenix - I'm shocked they didn't address the CRAZY purchases this guy has been making. This guy could make $.5M/yr and still figure out a way to be over his head.
Asking the caller with the MBA in marketing to volunteer to complete creative projects? So she paid to study, didn't get paid to study, and now has to volunteer in order to have any chance of getting paid work in the field she highly trained for? I hope that the RTOs warn prospective students about that. I wouldn't sign up for that.
I thought Ken meant in her job, ask for creative projects. I've done that in my current job. Definitely got paid for it!
Is the longer version in the attached link, cause I can't find the full story? 🤦🏻♀️
If my spouse lied to me like that, the first person I would be calling is a divorce atty.
Ramsey Show needs a side hustle branch of the business, I definitely need this kid to fix my SRT
Does lyndsie think being a hospice nurse isnt physically demanding?
Malik seems like a good dude
Did the first caller say his 25 year old wife was previously married for 8 years??? How? She got married at 17? No bueno!
People know deep down inside when they're spending too much. Then when everything falls apart they wonder why. Dave does a good deed sharing advise but just use common sense. Don't try to convince yourself you can afford something when you know deep inside that you really can't.
Did he say shes 24 and had been married for 8 years. She got married at 16??
I would say hire me as your Realtor but there is no 200K homes in my market 😂
Did dave suggest Caller 2 take out a loan?
Yes
It's not the first time. Usually to get out from a bad car loan and its underwater to allow them to payoff and sell the vehicle and then buy a cash car. So, it could be a personal loan from a credit union.
Oh god. He even called it that people were going to spin it that way! 😂
Agree. Only to get out from a car loan to pay the difference.
I absolutely love dave, he is god of speaker
GRANT SHOW!!! THANK YOU MR. DAVE AND KEV!!!
Great team today, this show is for me alone guys, it made for me and my husband am listening from Germany Frankfurt am main 🇩🇪
@@Fredehrsam0ken and Dave are a good speaker I love the team today, the are absolutely amazing show with a good team
@@CunninghamNelson I wish I can be in touch with Mr. Dave I will be the happiest lady on this planet Earth am dieing to speak with Mr Dave that have been my dreams since I started list to Mr dave and his team on Dave Ramsey show...
@@AdinaRobertson-kr7uq Dave have invited me to his next show on Dave Ramsey show am already in touch with him, the Lord is good... At list am going to discuss how to reinvest my company again
If in collections, does a person need to get a copy of the amount owed?
I remember Dave saying that you should ask and they have to send you all the paperwork. He said it's a good idea to do that especially if you don't remember the debt and there have been occasions where numbers got transposed and it's not yours. And if your Social Security number or other personal information is out there on the dark web, you could be the victim of a scam and it would let you know that.
First story, lady came from an abusive relationship of which she was a kid when she got married the first time. She was probably afraid of his reaction if he knew her financial situation. Of which I would say See ya!!. But I think there is more to the story than what he is saying! Not all her fault, maybe he didn’t listen when she spoke.
My Brother in law would never call Dave for help he said that Dave would yell at him, I told him Dave would not do that he would help him out
He would help but he also may yell. Is your BIL a wimp?
The divorce will be the greatest gift he could give her.
My first car was at 24% interest 😮
😂😂😂 I love Dave 😂😂😂
Dave your financial program is out of this world , but I still don't get it you have been around for almost 3 decades and you have only 700k subscribers odd
Probably most listeners listen on the radio or to the podcast not on TH-cam
There are other mediums for a channel that posts audio-heavy content. This is a podcast and a radio show first and foremost. Note also that the highlights channel has 3.2 million subscribers.
22 million listeners every day. About five years ago it was 12 million. Plus he said something about being one of the top podcasts in the world and over 1 billion minutes of programming have been downloaded. Holy moly he's popular!
That lady from TX wants to pay off HER debt using her KIDS savings? She sounds like a wonderful Mom.
At least she hesitated. She knows she shouldn’t.
I don't understand why you would advise someone into going from a therapist job towards nursery? Nurses have a physically though job and get way to less paid to what they diserve and should make.
25 yrs old and she was married 8 yrs before him?
Is Lisa in Toronto a troll call? That's a troll call.....
Disagree with the former Evangelist -- Indeed does work. Also, he doesn't actively listen. The caller clearly said her hands cannot handle the work any longer. Dave should only being taking calls -- like the old days.
How old is Malik!? I better get my stuff together!! Sheesh
I learn an important thing from Dave Ramsey show that I would never marry into debt! Always check each other car's loan, student loans and bank accounts.
Rules out 99% of your prospects under 30.
Dave never tells people to delay marriage because of debt.
Get a credit report and provide one to the person you are landing into a serious relationship with and looking to marry. The issue is not the debt only. It's more about their attitude towards debt. If I'm in a relationship with someone in debt and she is making no effort to get out of debt now on their own, I am not marrying her.
They lie sometime darling….they LIE.
It's not so much the debt as the attitude and being honest.
Here's the reality regarding owner finance.
The buyers do not have a ssn and therfore the only loan they can get is an owner finance.
It's a very prominent thing that Mexicans do. And then they pass the advice to their u. s citizen children. This is my testimony.
Balloon payment 😱
Will Jade be attending the cruise 😂If so Im coming forsure
Hold up, did Gabriel just said that his 25 yr old wife was in a previous marriage for eight years? So that means that she was 17 yrs old when she got married. Homie should’ve made her sign a prenup before putting a ring on it. Either take on her debt or send her divorce papers!!!!
Homie should have talked to her about finances period.
She's deceitful, he's too young to understand that she cannot be trusted. Additionally she had been married for 8 years, the divorce papers weren't even cold when she married him. Interesting to say the least.
Bet last husband just kept her wack in check and he was a "narcissist"
When I was 26, I knew a guy who was 25 and was marrying a gal 24, who had been married 3 times before and had been "single" for 3 years. Which means at 21 she got out of her 3rd marriage. I advised against it as did other friends in our circle even though she seemed really nice.....3 years later he files for divorce after catching her cheating upon coming home 2 days early from deployment......not saying always but if someone is in 20's and multiple marriages alarms go off in my head.
Almost 20 minutes into the show and Ken hasn’t said a word. He is so scared when he cohosts with Dave. I don’t get it. He does well with others.
😂
No I think he's the only one who acts like him self and isn't intimidated by Dave love him 😊
His voice annoys me so it works out
@@CyrusZerbeTo interrupt anyone takes timing, courtesy and ethics most especially if its with your boss. Anyone who thinks they have a free reign on that is absurd.
@@phillip5397i thought it was a me thing! Geez 🙄
I wanted to say that I have loved you show very much and you all have helped us. But I listened the other day and I was upset! A girl had 6k in credit card debt and you enthusiastically encouraged her to settle for .50 on the dollar. How is this any different than bidens student loan forgiveness? Sometimes there are extenuating circumstances like medical bills- but if we borrow money and promise to pay it back why are you encouraging people to not be responsible for their debt
Gabriel is being gaslighted by this schemer
Cruise is dirty
Problem with marriage advice from these guys is when they don’t know the full story. Story from 50min mark sounds like wife is pulling victim card but was most likely the cause of the marriage issues.
Married at 16?
...sounded like 20-yr. old bride. Hope she's OK.
[Four years for a $10k raise??]
Well, let's not forget that this woman picked and chose to marry this man.
If you make $23 an hour, you are not a banker.
😂
Why does Dave always ask how a loved one died?
Oh my gosh, I hope that guy Malik is single
Calling women dudes and men honey lmao😂
lol.. grounds for a divorce.
Riiiight, the ex is always guilty. How bout lyjng?
Dave, thanks for “bottom line-ing everything Ken says… 🙄
Typical Dave Ramsey Show: get married get divorced get married get divorced get married get divorced.... all this could be avoided if you live together first and get to know someone 24/7