Quit Trying To Calculate Your Way out of Debt! | May 20, 2024
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- เผยแพร่เมื่อ 19 พ.ค. 2024
- The Ramsey Show (May 20, 2024)
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Loved every second of my watch to the very end. You are a great teacher. I’m 36 and own a small business with $380K in savings. But I'd still love to grow my investments ahead of retirement. Do you mentor others? Really need some guidance to financial freedom.
Safest approach i feel to tackle it is to diversify investments. By spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown. its important to seek the guidance of an expert
A lot of folks downplay the role of advisors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.
@@EthanBrowne451 How can I participate in this? I sincerely aspire to establish a secure financlal future and am eager to participate. Who is the driving force behind your success?
Her name is. ‘JENNIFER LEA JENSON’. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.
I just looked her up on the internet and found her webpage with her credentials. I wrote her a outlining my financial objectives and planned a call with her
every time i hear the "were debt free" scream something comes over me i can't explain! I can't wait to say it one day.
Just remain focused
Baby steps 👏💗
Baby step 2 here, knocking it out year after year. $28,461 this year so far paid off.
Awesome! Proud of ya!
Holy sh**!! Good job!
Amazing job dude! Keep going!
Im new to watching here. Just wondering where can I find out more about the baby steps as I dont know what they are
@lauressebinghay1602 if you can afford it, take Financial Peace University.
I worked at a university in the IT department until I earned my masters. It didn’t pay that well, but I didn’t pay for one nickel of my masters. I left after three years.
Bring back Debt is dumb and cash is king!
Can’t believe they picked Food at Home for their merch over Debt is Dumb Cash is King.
Well, I can’t believe they thought merch was a good idea either.
It’s always a FANTASTIC show when Dr. John and Dave are together! Wishing all the callers peace! ❤
I agree!!
One big problem is our belief that we all start with nothing and have to make it on our own. I support one generation helping the next...
I agree to reasonable extent. Helping is one thing enabling and doing for when the person can do for himself or herself is another. There is a fine reasonable balance between babying someone spoon-feeding someone when that person is capable of feeding himself or herself, versus just telling handing a freaking Hammer to a kid and say build a house
As long as parents don’t spoil their kids I agree
I honestly don't see a problem with living in your mom's house if you are significantly contributing to the bills. If the mom is alone especially.
I agree. In most other cultures, a three-generation household is considered healthy and functional.
So many societal ills could be lessened if multigenerational housing wasn't stigmatized. This is a distinctly American culture attitude and it doesn't make a lot of sense
Thank you! I asked my daughter to move back in. It saves us both, in different ways. She handles yard care, snow removal, cleans the house and does most of the laundry. I help care for the baby and get their company. I get to teach her more cooking and budgeting skills she wasn't open to before, but is now. I would never want my daughter struggling to afford a crap apartment for someone else's financial benefit, while a stranger raises my granddaughter in "daycare" and I'm alone in this house. That's crazy talk. The real winner here is the baby who is so well loved and cared for 🥰
It’s a marketing paradigm to sell more houses! 😂
most other cultures are poor and have no choice. Americans should not be copying places that do much worse then them.
11:01 Dave, please consider selling beans and rice - with your trade name. I am not kidding.
I’m 16 and I’m listening to every word he can say, I watch the show all the time, and when my girlfriend and I go out on our own, there will be plenty of beans and rice for us both. We’d definitely buy his brand
Hilarious 😂
Yes!!! A collaboration with Conservative Goya!!!
I seriously would buy them!!!
He’s had people try and convince him to do this for 30 years 😂
Never heard any of the debt free screamers give glory to God. . . ❤ refreshing😊
While I will say that probably around 65% of debt-free screamers on the Ramsey Show throughout the decades have not mentioned God or religion involved in any form of Praise or gratefulness, you must be new here because there have been a pretty good bit who have
P97p o p6p 64.11 4😮p😮so po😮😮😮py😮p😮😮p🎉p😮😮p6p😮⁶985-2 p😮p⁸per 3😂
AMEN!
Yeah, definitely have heard it before.
I have
Dave Ramsey , a Christian , drives a Raptor , carries a .45 everywhere and worth a 1/2 Billion dollars , that’s cool in my book , if that’s a nerd call me a wannabe Nerd
Losing the full value of my truck's worth as a plaintiff v. an employee (defendant) affected my business in 2022. Getting involved in a scheme that got me $125,000 monthly was my only saving grace. It saved my business
It's been a struggle lately, really need a positive turn around financially
Please how do you earn that much? I genuinely want to know.
Big thanks to Renee Marie Harrison
She’s a licensed broker here in the states 🇺🇸
Her top notch guidance and expertise on digital market changed the game for me
I wish I knew about Dave Ramsey before I’ve made dumb decisions… Now I must clean it all up)
Is not late for us! Let’s use cash and dump debt 💵
John I can so relate to you and your friend that cheered you on when he was losing his job. We paid off our home when a friend was struggling in her business because of covid and loss of events (Feb 2021). She HUGGED our home (an interior pillar) when I said "hey my the grass does feel better."
And I was going to baby showers when we were not having babies and adoption wasn't working.
Celebrating your friends and what God has done in and through them has to happen 24/7.
My mom came here from Bosnia 🇧🇦 worked 25 years straight from 8$ to 14$ got house paid off living like a queen now 6 kids all of us have great jobs ! Yes she never had a credit card in her life just cash and debit card. So yes you can live your life America dreams but you will be broke all your life ppl needs to live their lives and own dreams.
I own property on the other side of Australia. If a pipe leaks, I send a plumber. I have never been to the other side of Australia before. I pay a manager to look after the tenants and property. I get $2000 per month in rent and the loan is $1200. I paid $300k for the house 2yrs ago and it's worth $440k today. It's easy.
Totally agree. They need to specify that in order to have the benefits long term of rental properties, you need significant margin and possible help with the management of them. Instead, Dave points out how much money he has in real estate while neglecting to provide a few significant details. You can bet he’s not running from property to property, collecting rent checks and finding tenants. It’s a bit arrogant. It’s possible for anyone to become a multi property owner but it needs to be done with the slow, steady, grounded approach and eyes wide open.
What's your net income after manager and repairs?
$117,520 per annum in gross rent
$109,294 after management fees
- $18,000 insurance repairs etc
- $31,000 loan repayments
= $60,000 - income tax
Loan $360,000
Property value $2,400,000
(Total portfolio)
Plus $165,000 gross income from washing cars
Own home paid for
Porsche paid for
$10k Toyota paid for 😆
@@munkeyrider🙏 and awesome, although you're including many properties or units there and not just the 2k rent one you mentioned originally.
Having said that I often feel that Ramsey doesn't in a way want anyone to have the same success. He's always advising people to sell their rental properties and saying how much it sucks while reminding us for the millionth time he has 600 mill in real estate assets 😅
@@munkeyrider Sir what is your total household income in Australia? Plz reply. Thanks a lot.
I WANT THAT PEACE YOU SPEAK OF DAVE!!!
The Prince of Dave's Peace is Jesus. Just call His name and He's there. 🙏
John: Overanalyzing the first caller trying to impress Dave.
Dave: No
LOOOL 😂
Dont calculate or Ramsey wont have a job anymore!! Only kidding. It really is an emotional battle more than anything. People realize that eventually, hence why baby steps work.
Absolutely
Pay off that house - it IS Step #1 in retirement prep.
Yes please! ☺️ beans and rice T-shirt would be amazing
I guess my shirt will say "Rice/Beans" vs "" Beans and Rice."
I’m going to be on this microphone until I don’t make sense 😂
I love your We have food at home. Thank you for your content!
The hardest part for me with getting out of debt is patience. It’s simple, they are baby steps… but it just takes time and I hate how long it takes! Or maybe I’m just a very impatient person when it comes to money. 😂
My renters did pay my properties off. It worked for me. I only rented to retired professionals. If you don't put up a 'for rent' sign you can pick and choose your tenants.
Congratulations Dave , on your leadership event…
You inspire me every time I listen to you… 💥
I’d love to see a T-shirt that says “My Stupid had ZeeRows in it!”
For a Masters degree, some employers will pay for your classes. My employer paid for me to take night classes to get my engineering masters. Definitely look into options before getting loans. (Not to brag, but the Army and Air Force paid for mine and my wife's bachelors, too. :) )
Agreed! I am an Executive Recruiter and Job Search Strategist. Part of a benefits package from a company is tuition reimbursement or assistance. Take advantage of this benefit!
12:25 I like that idea! Double the tip!!!! Yes, bring it back!
Glory to God, how wise to mention this first.
Amazing ! Thank you
Here too learn📈
Lesson one: the difference between “too” and “to”. Here to help.
Ha ha ha Papa Dave should not market the Merch 😅😅😅😅 Let Rachel and Jade market the Merch😆😆😆
I work at a private liberal arts college and 2 of my daughters get their tuition free. I pay for room and board for one and the other lives off campus and pays her own rent.
You raise a good point that I don't think is addressed. Many colleges offer free tuition to the workers children. Thanks for bringing that up.
Thousands of dollars saved!
Don't have people in your life that don't celebrate success. The people who get on tiktok and complain about the price of eggs gotta go.
Not celebrating success doesn't necessarily mean complaining.
10:40 “here’s a tumbler, in case you want to tumble” 😆😆😆😆😆 Dave is the funniest guy ever
Such a humble couple 🤗
Ramsey - best sales pitch ever - who cares, buy one, if ya want (not an actual quote). You know that's gonna make you sell out :). I gotta say - I like the tumbler with the 'live like no one else' saying, it reminds us to stay the course and live like no one else.
You need to make a Plain T-shirt that says "The Ramsey Show"!!!
Pay your house !!! Lucky you!!! With peace I bet the best dreams can be envisioned! Congrats 😊
It took me forever to think about where I had seen John Delony before then I remembered! He was on Mind Pump! That was an awesome episode!
Phenomenal wisdom reality check @ 1:24:20
My twins loved sharing a room but realized in college most kids didn't know how to share, clean or deal with the change.
Penny, most relationships drag you down. You have time on your hands to make yourself successful.
Jade and Rachel the previous show: Don't buy an index fund
Dave this show: Buy an index fund
Ahhhh no fault divorce - what a glorious way to destroy families and avoid apologies and humility.
The Ramsey Show, I loved this video so much, I had to hit the like button!
The Ramsey Show, This is great! I liked it and subscribed!
Dave is so funny when he said at the end of the day
It was a small gut punch hearing Mr. Ramsey specifically word it as: "The amount of people that went to counseling because they shared a bedroom with a sibling is zero."
In my head, I thought, "one." Its the exact reason, I went to counseling...
I just love the way the Ramsey personalities that work with Dave Ramsey on the air pander to Dave Ramsey. It could not be more obvious. I think it’s very clear if you want a career at Ramsey solutions, you better not disagreed with Dave Ramsey on a single thing. Can you imagine working in environment like that?
It's his business model and the employees all signed up for it. Not sure how you would expect the show to be genuine if they flipped/flopped beliefs.
Literally 100% of American workplaces are like that dude
The Ramsey Show, You're the best! I just had to subscribe!
Love it Glory to God they are debt free !!!!
What's in your wallet. Not Capital One!
Shout out to Vegas!🎉
1:34:10 Nigerian fathers are stick and don't like to listen to their kids or really the wife for the most part. Its rare. He is better off accepting Daves gift and trying to get his father to talk to a professional.
Divorce is so destructive; I bet most marriages could be saved with good biblical counseling.
I want to see Dave on Patrick Bet-David's podcast. It would be an amazing conversation.
Isabella from San Diego: You need to move to a cheaper location or make way more money. I used to live in San Diego and trust me when i say you can't afford it unless your numbers change dramatically.
I LOVE THE NEW MERCHANDISE! IM GETTING MYSELF AND MY HUSBAND SOME. PROLLY GOING TO GET EXTRA FOR HIS BDAY COMING UP TOO! THAT WAS SUCH A GREAT IDEA GUYS!
Cute shirt ideas but I can make my own.
She's complaining about 3k/mo for a 3-bedroom.... um... that's like a ONE-bedroom in many places!
Will they do the Dave’s 2 day investment class in the future again for those who maybe cannot afford it right now? I’m still in Baby step 2 and about to go to 3.
i'm looking at weirdos LOL
I know! Rude, or what? 😂
Penny is struggling with her situation and misinterpreting what is a clear message.
@Flo fellow Nigerian here. I feel your pain. Let me know how the conversation goes.! I need to have the same.
My job paid for my bachelor's and master's degrees. They paid so much a year, so I went part-time so all of it was covered.
I love when Dr John is on the show!!❤
He’s the BEST!!!! ❤
Emily and Gregory had super charasma!!
Yeah... I saw what you did there..😉
Come on! When is the next George and Dave hour?!
Staying with parents is the standard in so many countries regardless of the financial situation. I don’t get the American culture. The benefits are economical (save on housing cost, day care costs) and it also helps build family values allowing your kids to grow up around their grandparents, there is less overall consumption of resources so it’s better for the planet, along with less waste. 3 generational homes are what can get people out of the constant middle class to actually building wealth and financial peace. My wife and I own two properties worth excess of $1million total and gladly rent them out to stay in a generational home. It saves us money on rent, provided free child care with someone we actually trust, gives us more flexibility as well so we end up getting more time with our kid (no need to travel to and from daycare constantly). It also provides a larger space for our child to grow up in (where I live a reasonable size house 3 bedroom two story cost excess of $1.5 million which isn’t exactly attainable), and allows us to have a much shorter commute to work.
13:52 A new bachelor's degree needs work experience to be worth 2 cents - and you need to grab a job while you can get it NOW. It will also make grad school more meaningful and useful.
The guy who sold the rental would have a chunk of change left over after paying of the house? Unless I missed something? Nice little amount to invest/play with.
But they are always saying that married people are better off and live longer!
For the first caller, the interest rate matters. Im not paying off a 2-2.5% mortgage rate. His initial hesitancy was correct on the opportunity cost of that money being in the market.
The millionaire study of "nobody borrows money on the house to invest" is not the same situation of tons of people that pay off mortgage over the long run while investing aggressively
You're right but the vast majority of millionaires don't do that nonsense they don't hold on to a house payment like it's a damn pet
(Facepalms)
So if you want to take that risk and hold on tight to being under the thumb of a bank for far longer than you have to, that's your choice and your problem. It damn sure they won't be mine
@motoryzen People take longer to pay off their first house, but second or third homes are paid off quicker
The difference between 2% mortgage and 8-12% in the market is insane long-term, you're leaving hundreds of thousands of dollars on the table.
I’m a millionaire. I still have a mortgage. I’m making over 12% on my investments, last year 22%. I pay about 2% on my mortgage. I’m not taking from my investments to pay my mortgage.
I am!!! Going to take half this year/half in January and pay it off. DEBT free finally. (my mortgage is 2.5% with 135,000 balance) I want the freedom and it is only 7% of overall investment value (1.6mil). No brainer.
No Dave you are wrong. Invest the $140k and grow at 10% will net a much larger return vs investing the house payment until retirement. This should be two separate categories especially if the mortgage is manageable even with reduction in income. I used your lovely investment calculator online to demonstrate that the $140k put away now will bring millions more and this is without adding any extra to it.
Sounds like you need to do an updated study of millionaires, guarantee there will be some people with different methods of becoming a millionaire
I tried renting out my old place and gave up after one tenant. It was a bad experience.
I have no debt besides a mortgage and $9,000 saved (6 months expenses). Should I start throwing everything at the mortgage? It's a scary step
Everything extra. Why not
@bluebelle9572 Because I want to have fun and be irresponsible lol. But I know this would be 1000x more productive
401k, etc,too. Give spend save
Picture your house payment in cash lying on the table in front of you. Benjamins. $$$$ It's yours to spend, invest or give every stinkin' month IF you pay off the mortgage.
@@ibuy2manymovies In your current situation, it would probably be fine to spend a bit on optional "fun", but just be careful to not spend too much.
T shirt suggestion.... DEBT FREE DEGREE t shirt🥰
It must be very different in the US to the UK. All those universities, government buildings are cleaned & kept by large contract firms.
Yes, the USA only has colleges and universities in name only, not actual universities.
How do I payoff $30,000 in debt making $4000 a month and $1600 in rent . Please help
@1:24:30 - The delineation between Millionaire and Billionaire needs to be your next Short! SECOND BEST thing I heard in this day’s show!!! (1st was DAVE being told to pitch merch!!! 😅😂😅 Seriously?! I’ll take that $20 I didn’t spend here or at the grocery store on junk-food and apply it to my Principle!!! Paying a 30 Year in 10!! 😊)
Doing uber everybweekntonget out od debt. 1k a week. Not the best butta what u going to do
My parents have a million. My pop has taken 50k heloc and hasnt paid it off “to invest in the market because he can get a better interest investing”. So dont say ZEEERRROO” dave
Dave has around 600 000 - 1 000 000 $ in real estate? Or he has 600 milions -700 miliony i real estate? I didnt get it right.
Roughly 120k in my portfolio are in tech/TSLA stocks, can I get an advice on any other stocks that I can acquire to diversify my reserve across multiple markets while creating a comprehensive portfolio allocation that balances my concerns of risk aversion and returns that meet yearly inflation.
You need to hire a financial advisor to help you diversify your portfolio by including Mutual Funds, Etf's, the 11 GICS groups, inflation-indexed bonds, and stocks of companies with reliable cash flows rather than growth stocks, where prices were based on future prospective earnings.
That's correct. At first, I wasn't too pleased with my gains compared to my previous performances, I was doing so poorly, I thought I needed to diversify into better assets, so I got in touch with an investment-advisor. That same year, I pulled a net gain of 550k, which is about 10 times more than I average on.
My portfolio has been in the gutter for the entire year, so I started researching new ways to profit in the market, but everything I tried just seemed to miss the mark. Please let us know the name of your financial advisor
Thanks for this tip. His website popped up on the first page immediately I searched THILO MOUKOKO name, I read through his resume and it seems pretty tight. So, I dropped a message & hopefully he replies soon.
I want a t-shirt that says "I'm looking at weirdos".
or "I am a weirdo"!!!
I wonder if any of the personalities have investment properties other than Rachel.
10:00 Dave not a fan of the merch movement. lol.
I don't know why - he does enough marketing on the books and other shows.
I know I can find a better quality shirt than his at the flea😂
First guy is saying he can pay off the house in 3 years anyway. I fail to see how the net difference in 20 years is $1m different from what he will invest anyway if he drops an extra $50k in the market the next three years instead of putting it toward his house...
There wasn't any information given about what he intended to invest in however its a huge chunk of money to not have in the market so Ultimately the issue he was trying to explain & they failed to address was would you pay off 150k of debt now to lose 1 million dollars from future retirement.
There's so many variables missing from these quick assessments it's kinda scary. If it were me I'd of probably gone to a CPA for a full assessment of my situation and what that money could do.
You can always downsize but you can't get time back so keeping money out of a solid investment for an extended period of time could cost you big dollars.
The advice is great for basic strategy but beyond that it's more nuanced.
John Deloney… creating a deep dark problem for every solution.
John quoting Tony Robbins 🤪🤡🙊👻
In between mouth-breathing
You trolling the comments about Dr. John while he is out helping people and literally saving lives! 🤪🤡🧌
Dr feelgood is so cringe sometimes
why is serving not a job im offended😂
For the record, I’m a net worth millionaire and I love using my credit card, paying it off every month, and using the points for free travel.
Look up the morality Dave speaks of when using your points. Where they come from.
It isn’t free, someone is paying for it.
@@seanstuart6115 I’m all for legislation that limits interest rates and frees that credit card companies can change. However, the credit card companies don’t need people like me to take advantage of people who carry a balance and pay interest and fees.
@@bluebelle9572 ok, but do you think credit card companies would take not take advantage of lenders regardless of people like me who don’t pay fees or interest?
Not only morality, George Kamel explained that hotels and airlines raise their prices in order to not lose money. Hotels and airlines change the quantity of points you get for every dollar you charge. They invite people to see it for themselves. Make a reservation using the cc and have someone else make a reservation at the same hotel, same type of room.
You create chaos because you don’t know how to live with normal 💀
Okay. We have been blessed with both sons and daughters. As a woman, I don’t know that I can take much more of the mollycoddling of my gender on the Ramsey show. Stop treating women as fragile beings, incapable of managing Life in general. It feeds into the notion that as women, we can never get ahead or catch a break. Women are resilient, responsible and more than capable of creating a fulfilling life both with or Without a partner. If Cori had been a male and called into the show, still living with a Mother at 45, we would never have heard the end of it. Just Stop.
💯I don't get it either. I have two daughters, both happily married over 20 years, and both finished college and have been employed except for a very few years when one of them had small children. I have always worked outside our home (except when my kids were very young), and my 96 year old mother has a college degree (pretty rare for her time) and has always been employed. The message in my family has always been - EVERYONE NEEDS TO BE ABLE TO TAKE CARE OF HIM OR HERSELF FINANCIALLY, EVEN IF MARRIED - get an education or a workforce skill and stay in the marketplace at least part-time if for a season you decide to be a SAHM. This show is littered with women who never learned that lesson and then find themselves unable to manage both their money and their lives when the unexpected happens. There has never been more information available and more opportunities for women and yet so many of them miss turning into full-fledged adults and I have no idea why this show caters to weak women!
@@Trustbutverify2651There’s something so completely condescending about it. I don’t even have sufficient words but it just drives me bananas. It’s wonderful to be supportive and full of compassion, but after the third time he told Cori he was proud of her, I stopped listening. On another note, I am totally all for living with an aging parent where appropriate, but let’s make sure it’s for the right reasons. By the time Cori has found the home she thinks she deserves, her kids will have no need for it, and neither will she.
@@Trustbutverify2651my sister and I were raised by our mom, who was born in 1921, to get an education, so we could get a job, so we could support ourselves. She was ahead of her time.
@@BeeDee-qs9soyes! If Cori had been a man, Dave would have lambasted him for living with his "mommy" for so long, and Dr. John would have hopped on the train, as well. There is such a double standard on this show...women are almost always given a pass just because of their gender. It truly is infuriating
@@BeeDee-qs9sothey also call every single mom who calls in a hero as a knee jerk reaction, when in my experience, many single mothers are the result of women having unprotected sex with deadbeats. Guys can hit on a girl, but ultimately she's the one who lets him into the bedroom. You're not a hero because you made bad decisions. It's the same sort of mollycoddling.
I grew up in a conservative community and nearly everyone that I went to school with is still married, because they had long courtships, focused on romance, and neither the girls nor the boys were allowed to date crazy partiers who would screw up their lives. You're a hero if you do the right thing, not if you do the wrong thing and manage to stay afloat.
You ask everyone to be generous, and especially so. You say you are not heartless and live according to God's word, the Bible. Then I ask myself why you would throw out a woman who works for YOU just because she got pregnant without being married. What is Christian about it and full of charity and forbearance? What is NOT heartless about that? And the fact that you totally put people down and yell at them in front of others is the lowest level. Your employees will get you where you want to go. You have the same responsibility for them, no even more when you are their boss! Dave, you are acting like a cult leader and not like a human being, and certainly not like a good company boss. And you probably can't make anyone believe that you didn't have sex before you got married. Who would believe you after everything you've said about yourself? As it says in the Bible: "Let the one who is blameless cast the next stone" and Jesus stood up for a woman who was stoned because of her behavior. Where do we live here? In a fundamentalist state or what? How do you deal with people!!? Horrible and Disappointing.