Don't Cheat Tomorrow for Today's Whims | February 7, 2024
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- เผยแพร่เมื่อ 19 ต.ค. 2024
- The Ramsey Show (February 7, 2024)
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Ken Coleman & Rachel Cruze answer your questions and discuss:
How to decide if you should take a pay cut to spend more time with family
The real risks of taking out a HELOC to build another home
The reality of fighting through shame to gain financial freedom
Why working two full-time remote jobs is more exhausting than beneficial
The best ways to navigate life after medical emergencies
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Hey Dave - we're debt free, including the house, as of today!
And what was your highest and lowest income?
Congratulations 🎉
I love it when Ken is on the show, he is actually funny and logical with his advice
Only problem working two remote jobs is if you’re pretending to be at both jobs at the same time. I used to work installing hardscapes during the day, take a shower with a garden hose and then go work as a server. Plus 5 hours a week at a Hooters! 85 hours a week, no one understood how I did it and I exceeded expectations at all of my jobs. Now I work 40 on average and make three times as much just kinda coasting by because of the skills I learned along the way.
I asked my husband out 7 years ago and we are expecting our second baby this summer. 🥰 Nothing wrong with asking out a man, especially if you are into the bookish, nerdy or shy guys. Sometimes just one clear green flag from a woman can let a man know that she's open to being pursued. ❤
Ken is so unhinged lately. Been cracking me up lol. Love it 😂
I dont care what ANYONE SAYS...I AM TEAM KEN...😂😂😂😂🎉🎉🎉🎉KEEP IT GOING...WE NEED VARIETY...AND YALL DEFINITELY NEED THE TRUTH😊
I moved to the USA from Canada on a K1 visa in 2011. Married my American husband and got my green card. Just became a citizen in September. I could have applied sooner but wasn't ready. The USCIS is no joke. We spent lots of money and time for me to get here. You can't just get married, and all of a sudden, you are in.
My wifes k1 visa took nesrly a year as well. Then another 1.5 for her CR1 greencard. Now we have been waiting a year for her removal of conditions.
But in this episode it seems Ken thinks its a scammer... Questioning is she sends him moneh, asking if shes seen his budegt etc.
I moved from the Netherlands to America on a K1 visa in 2015 Yes there’s a whole process. I will say we were quite lucky as everything went super smooth and fast. I was bracing myself for worst case scenarios based on what I was reading, but it was really quick and easy. I think it depends on who works on your case too and how clean your record is. I became a citizen in 2019 right before COVID.
😊Husband British citizen but Canadian resident. Me U.S. citizen. It took me after we got married in Savannah 1 year and $5000 for me to get my Canadian visa. Divorced 2.5 years later. I couldn't handle the weather OMG😢 and the lack of funds😮 and no life insurance. $170,000 you need to own a home and $150,000 with 2 kids " to just make it by." I never talked to him about money. No retirement money put aside. In debt $15000? Made about $40,000 in a factory in Kingston. Sometimes LOVE IS NOT!! ENOUGH! Married now "in like," good finances, no debt, own our own home put in my name, army medical and I make sure i!! take care of ALL !! the bills. rent 1 room out. I'LL NEVER BE THAT STUPID AGAIN! TALK FINANCES FIRST THENNN MARRY. I think Dave would concur. ❤
Loving Ken as the primary host
Yessss Ken u da man
I’m with Rachel on this, there’s absolutely nothing wrong with this. Especially if it’s 2 completely different industries. As long as her job performance at both jobs is not affected. It’s none of their business what she does when she’s off their company’s clock.
agree
I’ve been loving Ken on the show. Thanks for the easy listen!
Ken on the thumbnail... I'm there! 👏 🙌 👏 🙌
My favorite duo -- so much compassion and humor from both Rachel and Ken. Keep it up!!
Lol Kisa!!! Your gonna have some great guys looking you up!!!! Too cute! I wish you love & happiness Kisa✝️💜May Father Yahweh order your steps🙏🏽🙏🏽🙏🏽
There was a caller from Alaska on a recent show (or at least I listened to it recently - I don't remember the date) who does babysitting/daycare. She was overwhelmed w/the customer load and asking about starting a business. Does Olivia happen to live in or close to the same area? Maybe they can help each other!
Stay at home moms can sometimes do childcare at home. Or they can work at a childcare center and take their child to work.
Why doesn’t Dave tell people to put kids up for adoption? Listening to Olivia she needs to focus solely on working and said 2-year-old won’t be old enough to contribute financially anytime.
Not in England you can't just look after other people's children for money.
Ken needs to be the successor to the primary Ramsey host seat…it’s clear. Just have him, then George and Rachel on rotation. John is great in his lane
Agreed!Just those 4 are good!
He by his own admission is not the best with the numbers. It should be George as the consistent host with one of the others. They are each wonderful in their own right.
@@BeeDee-qs9soI agree that George has the edge with the numbers/strategy but as far as engagement with the callers and general charisma…I think Ken is better at digging in deeper and taking the conversation in interesting directions
@@trustbutverifymedia8470 Ken is definitely a gem. He’s incredibly fun too. I notice how well he balances out the show regardless of who is co-hosting with him.
Yes, Ken is great and can carry the shoe for years to come
😂 Ken, I laughed out loud at the red wood deck comment 😂
I knew instantly what you were talking about. Love that song
Ken is just crushing it!!! So true.
Yup, unfortunately, the long immigration process is probably why people don't come here the right way. It's such a heartbreaking process. My mom didn't get to spend much time with my grandparents because the immigration process took 23 years before she was able to come to the US. They both died 2 years before she got her greencard. I'm married to an American citizen, and it looks like I'll be waiting for about a year to get my greencard. I thought I'd share this because I know a lot of US citizens don't know about this.
Henry is the most risk averse man in Las Vegas.
Yes, it's okay as long as you aren't on the clock for both at the same time.
Ebony don’t be upset about your past mistakes. I’m 36. We’re in the same situation or similar. Major student loan burden. Just take it all one step at a time and keep positive. You’ll get through it!
Thank you I truly appreciate that so much
Ken is right on this one. We also don't know if the two companies are competitors to each other. Unless Melanie discloses the two to one another and they approve, if they find out, she can absolutely get fired.
She can get fire for absolutely nothing. Why not get fired for making money?
i watch like 3 ramsey videos on a shift of work, definitely just getting paid to watch ramsey
No! It is not ethical to work two FT remote jobs without disclosing it to each company.
Melanie isn’t working 80 hours a week . She’s doing double the amount of work in 40 hours a week for 2 employers at the same time frame. A full time and part job are back to back not 2 full at the same time.
Exactly. Working 16 hours a day is not possible.
Yup melanie is not doing 80 hrs a week.
Not a chance she is working 80 hours, she is working maaaaaybe 45-50 hours
Even if you can get your work done in 30 hours, if you are full time and getting paid for 40 hours (if that's the agreement you have with your company), you ethically need to work 40 hours!
As much as employers disrespect, Gas light, And bully employees... I'm done worrying about being ethical towards them
It is there responsibility to enforce any and all rules that I agree to involving a green to be employed under such an employer.
If they don't get their panties in a wide involving me, working for thirty hours and getting forty hours worth of work done, and they are satisfied with the work and the customers are satisfied... Then that's not my problem
I wish they had called her out more on it.. shes not working 80 hrs a week..
@@morenitamunozI was hoping they’d ask her her schedule. Is she doing 8am - Midnight five days a week? She said herself she’s worried 40 hours hybrid will be less flexible than 80 hours remote. That’s a pretty clear indicator she’s not doing 80 hours of dedicated work or it would be a no brainer.
Ah yes ken coming out and calling the caller a liar too!
It took my brother two years to bring his wife to the US from Africa-- and, yes, they were married for TWO years before she finally arrived. Immigration is a lengthy process.
K1 visa is easier. I don’t know why people take the get married route first. It complicates things more. I did it through K1 in 2015 from the Netherlands and everything went very smooth and fast. Once married you also stay together while waiting on your greencard. I became a citizen in 2019
@@alqoshgirl, immigrating from the Netherlands is different that immigrating from Uganda, Africa, unfortunately.
I do NOT see a problem with working (2) full-time remote jobs @ the same time. If you can get the jobs; do what is asked; and still get 'double' the money, then more power to you
So excited for your next step Ann!!
The best show in the world
Kisa got more than she bargained for 😂
I wish Dave Ramsey was on the call when Henry called
He would bring up the millionaires he has interviewed have two things 1.)a paid for house 🏡 and 2.)money in 401k. Also, Dave would said say your not doing His baby steps but Henry’s baby steps. So, if he woke up in Henrys shoes he would pay off the student loan. Because he already spent the money - paying it off would just admit it. lol, I like the tough love because I’m a spender and need him yelling in my head “young can’t afford that “ love being BS7. Ken and Rachel are so sweet, but it felt like they hate to debate with Henry.. Dave would he like “you are wrong, but you do what you want”
Rach u aint neva lie. It is soooo easy to slip bk into old ways. We gotta FIGHT OLD HABITS!!!!!!!❤
1:29:42 absolutely not. An employee can work where they want unless it’s written in the contract. It is not unethical and it isn’t wrong. Why would she get fired???
Getting married is not always the best advice
True, but they're not in the functional relationship business. That's up to the individual to choose a good spouse
I've have been in a job polygamous relationship for 12 years now since I've always had a side hustle. Both jobs know though. I just like to say that I have double life since they're so different from each other!
Ken ur tbe best!!
Ken is right about Melanie. And it’s not just about the money, it’s the time! 40 hours vs 80 hours AND kids? She will feel less tired managing it all even with the hybrid! Melanie can be spending more quality time with her kids rather than working.
2 full time careers isn't a bad thing moneywise. If both companies are okay with the idea that your attention and dedication they pay you for is divided then go for it.
Would it still be an issue if the two companies Melanie works for are in two different industries? What's the difference between what she's doing now and having a full-time job and working a part-time job simultaneously? I've heard the advice given to pay off excessive debt by working two jobs temporarily. Did I miss listening to a piece of key info here?
Ramsey personalities frequently suggest renting, which has zero equity yet are very much against trailer homes or mobile homes. Even if the mobile home depreciates, you still have an asset with some equity. Also, it can often be less expensive to live in a trailer than an apartment.
Maybe cause u get to comfy and don’t push for more
Ken got that swagger!
I just subscribed to the channel. We have been setting our schedule to watch you everyday on TBN. What happened to the show? It stopped airing on Monday, February 5.
Question for Ken:
You say two full-time employers must know about each other in order to be ethical. What about part-time employers? Do I have to let my full-time employer know that I deliver pizzas on the weekend? If not, then what’s the difference?
The problem with the lady working 2 remote jobs is she didn't leave the link.
Maybe she doesn't walk competition.😂
the problem is with the woman working 2 jobs....is she working the same hours..is she working 8 to 5 for both jobs....I know a remote worker who is doing the same thing
Lady with two jobs, she a professional lier…. She billing her employer for time she isn’t working… ken knows she full of 💩 lol😂
Regarding Melanie’s 2 jobs: if she is working the hours and doing the work both companies require, she shouldn’t have to disclose either job to the other ethically as long as there isn’t a clause in her contract about that or competing (and she said they’re different fields). I haven’t heard Ken have anything to say about making sure anyone working a 2nd job even part time should disclose that job to their original employer. The second job is the employee’s “personal time” and the employer has no right or say in what they do in that time. They are allowed to have another job as long as it doesn’t go against their contract(s).
The lady that works two remote jobs, what people don’t realize that what she’s doing is unethical. I can guarantee you if those jobs found out she would get fired. Ken was on point with everything he said. Even the lady knows what she’s doing is not right
She knows is not right thats why she hasn’t notified her employers
@@morenitamunoz 100%!!!
I'm a naturalized citizen, and the waiting list for my brother to come here on a green card would be 8 to 10 years. So he said forget about it. Now I told him good choice, it's not worth coming anyway. Just a thought, when I came here he was already owning his house car and had a steady job. I've been listening to Ramsey Show trying to get out of the rat race for the past 20 years. Tell me where life is better
Tell you where life is better?
Will the depends on the two nations that you are comparing living in
Why don't you ask the Venezuelans? How communism has treated them over the past ten plus years?
Big hint america is not the worst nation to live in even today
It could be a lot worse
And it even bigger hint if you vote the same way you've always voted, which is just red team VS blue team without an ounce of critical thought. And if you vote for the left the vast majority of time you will make the country worse.
No, the right a.k.a., the red team. A k republicans or equally is evil depending On the individual agendas at hand... Ron Paul being the only exception in the past. Centuries worth a presidents that I can honestly think of
Its insand.
My wifes family is in Mexico. If she wanted to sponsor her sister, it'd be a near 20-year wait. Who would do that?
It takes more than simply listening to the show for most people to “get out of the rat race”.
If a person would have followed the baby steps, not just listened to them, for 20 years, that person would be quite successful by anyone’s standard.
It's sad people coming over illegally and then he gets penalized for doing it the right way
well, Venezuela has a dictator, big difference between that a social democrat society @@motoryzen
1000% ok to work 2 jobs and the other not know. If person is doing the jobs well, meeting the requirements and they aren’t competing companies-it’s really not the other ones business. The time is my time.
There is Zero chance she is working 80 hours a week for a year
She's double dipping with the jobs. It's pretty obvious. 80h a week is killer if she's actually doing it for that long. Lots of stay at home jobs just require you to click a few buttons/clicks every so often so she could easily be doing that with 2 jobs.
I’m surprised they were so encouraging to Ebony when she said she’s only making 32K Dave would have told her she’s not making enough money . Made me like Rachel more she was very encouraging
Kenny and Rachel, just weighing in on the caller about two full time jobs. The is NOTHING NOTHING wrong with working them both of you get the job done! The problem with modern day companies is they think they own you! Absolutely not! They are paying you for a service and as long as you are delivering on that service then fair game! If your not delivering with 2 jobs or not then you shouldn’t be there! Just thought I would share my thoughts! It’s simply my opinion!
Xela's story is not unusual for us who immigrated legally to the US. We are punished when come in legally.
1:38:00 I guess I got lucky bought a mobile home for 5k sold it for X5 $25k. U never know who willing to pay people spend wrecklessly and want to live different
Uscis gonna bypass those paperwork every time it come across their desk . A Green Card holder filing a petition for a spouse in another country is extra work for those agents. She should've waited to get her citizenship first.
How would you get fired for working 2 full time jobs?? Ken definitely didn’t hear the caller when she said the 2 jobs are in different fields. She tried to say it twice but they talked over her. I think the jobs don’t know about each other just because it’s not relevant, not because she’s keeping it a secret.
Regarding the couple living in two different countries… I disagree with combining debts. I have been in that situation where my future depends on the government immigration regulations. The person in the US will always have the financial upper hand. Debts were part of the past. The Canadian gentleman should pay his debts and the lady should pay hers. The resentment about waiting is plentiful. I would bet that you will be able to pay your respective debts before you will be able to live together. Wishing the best. Love wins !
Those jobs are not paying $20/hr in Ft. Myers, FL.
Ken has not looked into manufactured homes what so ever. It's not 1985. I bout one in 2020 for 45k im selling it now for 75k and have already had an offer.
Ken, how is her working both jobs any different than somebody working two full time jobs outside the home? 1st company doesn’t have any say in what she does after work
Because full time jobs generally give benefits expecting you only work for them
I think as long as legality is involved, it shouldn't be a employer's business what you do.
What's a “backdoor Roth?”
Totally disagree on the trailer comment I live in a rural area and mobile homes on land sell for over 100k not everyone has to live in a mansion or gated community they seem to look down on ppl that live a certain way but could still make decent money and save. Not everyone desires a fancy home . I know ppl that live in 30 year mobile homes and they hold up fine as long as you take care of them.
Dude calling in making over 300k wasting time from callers who need real help. It's like he called just to brag. He should just work it out with his smartvestor pro and start giving generously.
We’re getting a few more bragathoners over time - at least, that’s how I see it with my somewhat cynical perspective sometimes. 🤔
Go Ebony!! You can do it!
Unless your company has a non compete clause, how could you be fired? No one can tell you what to do in your free time. Why is it ok to have a full time and a part time but not full time? This is corporate BS, where you think the employees owe you everything
Her company had a non-compete clause, or did I miss something. I’m trying to picture what would happen if a Ramsey employee decided to ignore their employment agreement (which has some specific clauses, I believe) and just said oh wait I didn’t really mean it…🤔I thought this was one of the few times Ken temporarily lost his marbles.
It is very common for the Philippina culture to be married and live apart. It’s not great, but really common.
Why be married?
Melanie needs to look at her hourly rate at the 1 job at 100k plus 20k bonus vs making 97k working 80 hours vs 40! She's more than doubling her hourly rate, has room for growth and will work half as much! Take the new job and give up the 2 remote jobs!!!!
If u haven't watched yet let me save you, fast forward through Ryans call.
Ikr
Dynamic duo
A comment on another days show…George and Jade giving incomplete advice on drawing SS benefits. There are income limits when drawing SS. It is not best for everyone to draw early and invest. It seems they need to know before speaking.
1:00:46 ur never a peer with ur parents…EVER 🤷🏽♀️🤷🏽♀️🤷🏽♀️
I don’t see what the big deal is about having two full time jobs if one is not interfering with the other. I think it’s a lot on her plate, but I don’t see it as unethical. If it interferes with the other job, yes, unethical.
I wonder if that mom just doesn't want her kids moving away which is why she doesn't want them to move into the rural area. Just a thought
How is having 2 full time jobs any different than 1 full time job and 1 or 2 part time which is what they tell us all to do??
Full time equals forty hours a week in the united states of america
Do the simple multiplication math... Two full time jobs is basically eighty hours a week
Where as one full time job which is forty hours a week... Plus a part-time job that can range anywhere between 10 and 30 hours a week. Most commonly is not the same as two full time jobs
Is it kisa, kesa or something completely different. I'll marry you lol
Get it!!
I am not a fan of the black and white advice. Your saying mobile homes always go down. I am surrounded by mobile homes that have gone up by over $100,000. And they sell. I am not saying a mobile home is a good investment, but making a blanket statement that they only go down is proven false in my area.
I don't see how it's unethical to work 2 40 hour jobs and the companies not know about it as long as they aren't on the same shift. It is obviously unethical if you're working 2 40 hour jobs at the exact same shift time. Even though Melanie says she's working 80 hours I question that because she was talking about not taking the possible new job because of flexibility reasons. If you're working the remote jobs 80 hours a week truly you don't have any flexibility anyways. So I'm thinking Melanie is actually working both jobs at the same time.
and most likely not working both.
@jackie…..you got it! Listen and deduce. She is double dipping for sure.
If the full time job is giving benefits, that could be a conflict with another full time job
You never talk about marriage going bad and 1 partner left penniless
Amen to that!
If she's getting the work done in both jobs, I don't see why there's a problem at all. And why is there a secrecy issue? It's not my employer's business what I do on my own time. Especially if there is no competition between companies. Relax, Ken, she is doing her work.
I feel bad for Ebony from Savannah.
57 year old whose husband is disabled needs to get a chance license and work at whichever nursing home he goes to
1:31:10 y’all are telling folks to get a side hustle. Pls explain why she can’t have 2 jobs
They were making the whole 2 different country thing weird. They are from the same ethnic background and know each other. In these cultures families know each other. It’s not a scam, but yes sometimes it takes time to be together whether you’re married or not. You guys didn’t need to make her feel like that
Where’s Dave? He’s been out for 3 weeks now. I hope he’s okay.
He has Not!
57:55 please stop telling people their families’s opinions don’t matter and the family doesn’t get a vote. Rugged individualism does not work. It’s all about the family
Xela, my hubs and I go back to kindergarten too ❤ 🥰
I dunno Ken. I've never met a goat that smelled better than a cow 😂😂
True, but the piles of excrement left by cattle are far more odiferous than those left by goats.
@@notgivingmyemail3381good point
Okay I have to chime in on this episode. Melanie can do whatever she wants to support her family as long as she can do it. It's not unethical it's called surviving life. It only becomes unethical if one job starts suffering because of the other.
Keep the two remote jobs unless they're on to you or you feel like you might lose one soon. Working from home is way better than having to commute.
Your employer has no right to know what you are doing outside of your work hours. If you are working another job its none of your employers business.
The call with the woman that had two WFH jobs was frustrating. Ken interrupted her so many times.
The wait time just to get an interview in the Mexican consulate is four years right now. Immigration is broken in the US.
Ken Coleman you dork, explain to me why employees should have to tell either of their full time employers what they do outside of their work hours? What extra-professional loyalty do we owe them as their boards and c-suites secretly plot to decimate their employees with no-warning layoffs?
What is the website address for Ally bank?
Where is John delony?
According to his IG he just finished an elk hunting trip in NM. He needs some release time. His show is getting so heavy so I’m glad he is taking time for himself!
We are all enjoying him being on a break 😊
@@Nigriff umm speak for yourself! Can’t wait till he gets back. Miss him!!!!
@gourabsarker9552 Never ask that unless you want to hear from the corgi how great he is within 2.9 seconds of the posting🤣
@@Trustbutverify2651 she* sweetheart! I’m a woman thank you very much!
Rachel needs a public speaking coach because she says “like” “you know “ too much without completing whole sentences…I do like her.