I am 17 years old and love listening to y'all and learning about winning with money! My dad got me listening to The Ramsey Show, Smart Money Happy Hour, and the George Kamel TH-cam channel about 2 yrs ago and I've been listening often since. I have been working for 2 yrs and have saved almost $14,000. Ive been putting my money into CDs lately. Anyways, I love you guys, and I can't wait to live an adult debt free lifestyle!
You're doing great! Have you looked into a Roth IRA? If you max out 7k every year from the age of 18 to retirement you'll be sitting on well over 5 million tax free. I started a Roth at 32 and will cap out at about 1.5 million by retirement. I wish I started when I was your age but better late than never.
The commercialization of Valentine's Day is amazing these days. I was in our large grocery store last weekend and the VD display looked almost like Christmas!
If you can buy a nice card or go out to dinner on V Day. Imo it's okay to show extra love on some days. I'm not going to be a grinch when I can make an extra effort on V Day. Rachael seems resentful that Hallmark is making money on selling cards. Hallmark also employs alot of people. Rachael can make her own card if she so chooses. Kids especially love V Day. Spread the love. You don't have to break the bank.
@@lyndahammel9502 Absolutely! One negative about this show is that they criticize anything that is not the "Ramsey Way" - sometimes gently, sometimes viciously (like their attacks on banks.) Everyone who works at RS is indoctrinated to the point that it is almost like a cult! Dollar Tree cards - some of them beautiful - are also largely made by Hallmark and I get them there 2 for $1. So what does she have to say about that?
Im crying right now with John talking to the mother with only one child. I am in the same predicament that John's mother was, knowing that he knew what his mother did to better their lives is amazing❤❤❤
Praying for each of you reading this, that the Lord helps you with any trials you’re facing. To be good stewards of your money. To lean on Jesus because only He can do the impossible and give you the strength you need. Amen 🙏 💪
If I were talking to a stranger who told me that she had just moved into her forever home and I said there is no such thing as a forever home, would I be considered rude? I am tired of Dave and John and the others making that comment to people who just may be in their forever home. Yes, I am one of them. I moved into my home at age 27 and I am still here 57 years later. It was built in the late 1800s, I absolutely love it and it's two bricks thick, not made of popsicle sticks and tinfoil like many new properties and it's in great shape. According to all the statistics, the average homeowner lives in three homes. Therefore, that last one is their forever home. To all of you, please stop being rude to the callers.
" A society that puts equality - in the sense of equality of outcome - ahead of freedom will end up with neither equality nor freedom. The use of force to achieve equality will destroy freedom , and the force, introduced for good purposes, will end up in the hands of people who use it to promote their own interests." -Milton Friedman
I feel for Kimberly. I wish they would hear her pain without jumping into the grim reality of it every time. She knows what she’s facing so quit with the drama- she’s already There. Just help her with what she’s asking about. Sending my best wishes and prayers to her.
I gotta say, I relate with Dr John more than any of the other personalities. I love his view on things. I feel like he's the kind of guy I could just hang out with and be comfortable.
As someone employed in the racing community, Jason is full of it. He forgot to mention the part where his Dad pays 2 million dollars a year for him to "win" $400,000. The whole call is either a lie (all the references to crashing and losing income, that's not how any racecar driver talks or thinks), or he's leaving out the generational wealth his father is paying for him to play around.
To Sandy, who feels she has to decide between living in florida and moving back to Ohio, there are other places that you could move to that are warm and would allow you to live debt-free. One example is Savannah, GA. I encourage you to do more research.
Rough show today, Jim from Green Bay living in a shed with 6 kids? Prayers and wishing you peace in the future. We have had friends with issues related to family property, sometimes it works out, but other times it is a complete mess. You live life thinking parents are going to leave you the house or farm, and if not you wake up at 40 or 50 with no equity built up.
At the 1 hour 30 minutes question.... buying gifts for my Husband, I buy as much as I can with cash (from my personal spending $ in our budget) in person. OR, I have a couple "minions" that I hand cash too and they order the gift for me. If it was a biggy that needed to be in our names (airline/trip type stuff) then I would buy as close to the date, and ask him to not look at the accounts.
John you are amazing to get to the point of their issues. He has been a liar since before the marriage. What is she doing striking out at his kids. He caused all this mess.
I have my own amazon account but we are on the family plan I can't see his and I can't see his I guess that doesn't fit in the ramsey plan. Never thought it would be wrong. We always tell each other when packages come and if it is a gift, we do not open each other's mail out of respect so we don't rip into each other's amazon packages. We are 73 and 67. It works for us.
In our family we write the occasion into the address. Jane BIRTHDAY Thompson, or Jane CHRISTMAS Thompson. That way nothing gets opened and the surprise spoiled. I've actually never understood couples who can see new things around the house and claim they didn't realize the other partner was spending money! We also don't open each other's mail - never have. It's SECRECY that is the problem, not separate accounts.
@@Trustbutverify2651 you know just because someone is sensitive and kind doesn't mean they are ignorant to the unhealthy behaviors and reality of someone else’s action
A loving correction: you guys consistently tell people who get a tax refund that they overpaid their withholdings. Just an FYI that anyone under about $58k income a year gets the earned income credit and child care credits which come in the form of a refund. I personally pay zero Federal and state tax withholding (and I run my payroll and the payrolls for many small businesses for my company) and I get several thousand dollars back in the tax credits yearly but pay Zero withholding. They are truly tax refunds for the lower income with children.
@@Trustbutverify2651 They are giving advise to contact HR and lower your withholding, which could be appropriate. But the blanket statement that you’re giving a loan to the IRS which is later a refund just doesn’t account for EIC and other tax credits.
They also say to take social security at 62-65 years old and continue working and invest the money. The problem with that is health care is taken out and if one works it reduces SS payments. People not getting the full amount it's probably less than $1,500 after taxes and deductions. People have to work if they are taking it in their 60s without investments. It's best to wait until full retirement and get 8% increase every year plus cost of living increases. If people take it before there is no 8% increases.
@@eileenwatt8283 There is also another reason that advice is bad. If you postpone social security until you get the absolute maximum you can, that is a regular payment you can count on, even if it is reduced a bit in future years. The government is NOT going to do away with social security - they would have a mass uprising on their hands. But whatever you have in savings and investments - even millions - can be wiped out in a heartbeat by serious medical conditions or other disasters. Now that I'm retired (although still working part-time), I realize how glad both of us are that we maxed out out social security and waited because IF WE HAVE TO, although we have investments, we can live on the social security income because it is so much larger than it would have been if we had taken it at 62. Sometimes in life a bird in the hand really is worth two in the bush! Keep in mind that all these "personalities" giving this advice (except Dave who is a multi-millionaire), are young. They have no idea about anything regarding actually LIVING in retirement. And not all of us can start a huge business like Dave.
@@JuliaCloonanyup. Thank you for your comment. I don't know why they don't realize that, maybe ignorant, maybe just that disconnected from people who don't make a ton of money.
But one SHE contributed to by not checking everything out in advance. It's not all on him. Some women love to blame men for everything (and I'm a woman.) She knew she was marrying a family. She should have been able to see how he treated his kids. She did not check his credit report. She needs to own up to her part in this fiasco.
This is why you get a credit report, see his financial statements and medical report. If he's lying about his finances he's likely lying about other things.
She is obviously in love with him and blind to the fact that people who lie, lie all the time. He will never change. The fact that she's working on this relationship lets him know that he can lie to her about everything and anything and she will accept it. She needs to see a therapist who will explain to her what a real relationship looks like and why she's worth it and then she needs to leave.
Unfortunately for the caller whose boyfriend does not want to marry so he doesn't have to pay alimony if they split, Minnesota is NOT one of the states that recognizes common law marriage.
Husband deserted us 2018.. He didn't care if we had food on the table etc. ( " go to a food pantry ") Valentines Day he leaves me a message from the nursing home in Fargo where he'll be forever telling me how "much I love you from the bottom of my heart❤!!" Valentine's Day I agree with y'all is garbage! He can " go to he'll in a hay basket". That's my nice😂way of putting it!😡
Gotta love a guy who makes 400k with 150k in the bank calling in to see if he can afford a car. Give me a break. Save the call ins for people who need actual help. Cry me a river Jason. This had to be a troll call.
There are a lot of new people listening to the show every day and they have not heard Dave's wisdom. Those of us who have been listening for many many years cringe at some of the answers that are given or important facts that are omitted. I'm to the point where I listen at the most once every two or three weeks and if it's not Dave and Rachel, I don't listen. I only clicked on this one because I didn't have a CD in my car and I was aggravated almost immediately.
Too bad she couldn't trust him & needed to protect her assets from his lies & choices. She wouldn't be threatening divorce if he would have been honest before marriage.
To Ryan in Salt Lake City @1:41:00. If you're a Christian with 5 children I'd strongly advise you to look at the laws in California before moving there. They have some dodgy new laws that pretty much protect pedophiles. Their school's have control over the parents, if your Christian raised kids show innocent curiosity in sexuality or identity they're at serious risk of being brainwashed and mutilated behind your back or taken away from you if you're resistant. I'd strongly recommend a state with laws that do not infringe or intrude on you as a parent. The sun shines in many states, move to one of those and simply plan annual family vacation to California.
I'm a single guy never been married but I just don't understand why you're not combining my married people aren't combining their their incomes I mean they're right you just glorified roommates that sleep together
They don't give anything except generic advice on retirement investments - mutual funds in four categories, invest 15% after all debt is paid off and 3-6 months or emergency fund is saved, and otherwise they advise you check in with one of their SmartVestor pros. The advice is very general - they are NOT going to tell you which funds to pick. If you listen to the show, you'll hear the four categories. growth, growth and income, aggressive growth, and international. In general, they GREATLY exaggerate the return that most funds will bring except in exceptional years - so don't get your hopes up. But they are right about one thing - STAY in the market, up or down. It almost never works out to time the market. On a personal note, the two SmartVestor Pros we called did not work out for us - we stayed with the investment company we already had. Each of the SVPs we called wanted $750 up front to even set an appointment. The SVPs have to pay RS to be on the recommended list - and I understand it's quite a bit of money. Seems to come out of the hides of those who later call them on the recommended list... I hope others had better experiences.
Emily - it's her fault if she did not ask to check his credit report before she got married. He obviously did not want to lose her and my guess is he was afraid to tell her or he did not see this as debt, but as commitments he made to his kids b/c most of the debt seems to be his children's education. It's ON HER to check his report, not just on him. Trust, but always verify! AS USUAL, JBD just jumps on the husband with one side of the story. What I'm hearing here is her saying I, I, I - and, sorry, a lot of this is on her for not verifying in advance. If it's for his kids and past commitments he made to his kids, t's not like he's been randomly wantonly spending on himself. "Evidently," my dear, means SHE did not check. I'm not sure I believe her that he lied - nor do I like the way JBD is handling this. She hates those kids and now she is threatening to get half of his retirement after only a year. There is a lot more to this story than her side.
Agreed. She started to show her true self as soon as the “how about I divorce you and take half your retirement and half your games” came out of her mouth. I know there’s only so much you can do in a two minute call, but the hosts should have picked up that she likely was telling a very skewed version of her story.
Again, with the negativity, why??? Why do you feel the need to comment this? It literally makes ZERO sense. Just move on! You’re a teacher it’s scary how hateful you can be especially in a YT comment section!
@@amireallythatgrumpy6508 Actually, there are a LOT of families with limited incomes who depend on Thanksgiving and Christmas to provide for their children what they cannot afford, sometimes due to their own financial negligence and sometimes due to disastrous events (medical, fires, etc.) that are beyond their control.
@@OopThereItIs77777 It depends on someone's salary. If someone making $ 20,000 yearly and has rent it might be alot for them vs someone making $100,000. 00 and low expenses.
I hate the way this guy jump to insults another man without listening the other half of the story. Once someone do that I am sure that is not a good professional. I am referring to the first call on the show. Always but always you have to listen to both sides before issuing your opinion or advice
The PhD on the first call calls someone a coward who he doesn’t know. Who’s the coward Johnny ? The PhD kisses Dave’s butt & he calls other people coward. Why is he on a financial show ??
Delony called the guy a coward because he lied to his wife’s face. He’s just being honest and also this isn’t just a “financial” show anymore it’s about life and relationships hence why they brought on Dr. John AND Ken. So the PHD is right here. He was brought on to takes these calls specifically and he does a great job!
Delony has two doctorates - one in counselor education and supervision and the other in higher education administration, both from Texas Tech. Neither of these are direct patient-professional interaction related. Most of the people calling likely presume he is a psychiatrist (medical doctor) or psychologist (therapist.) If he is licensed to diagnose people with problems or has direct therapy treatment, the way he goes about it is not the way a genuine therapist would do so. The “Can I stop you right now?”, “I’m willing to bet you…” and insults, as well as “Just let it go” are certainly not what a true therapist would say. He also relates every problem to himself. But he LOVES being called “Doctor” on the show and the show never misses a chance to remind the public of his title.
@@Trustbutverify2651 Respectfully, you have zero clue what you’re talking about. First, Delony has had clinical interaction. He was a LPC in the state of TX and purposely chose to not renew his license in TN because he didn’t want the regulations. Second, he doesn’t care to be called doctor. He’s fine with you calling him John. Matter of fact, just the other day Ken asked when you are in a hotel do you introduce yourself as “Dr. John” and he said nope “my mom named me John” so please don’t spread that false rumor. Third, Delony probably has more hands on and clinical experience than any counselor because he literally has cleaned brains of walls, sat with mothers while their son is dead in the next room, etc. Normal counselors are there in the aftermath but Delony showed up in the trauma day in and day out. Not to mention spent years in psychiatric hospitals with students so he has plenty of patient care interaction. If you just did one search of Delony and his credentials you wouldn’t be saying half the stuff you do. It’s quite ignorant from someone who prides their self on being a teacher. Your critiques of him only having one side again doesn’t hold. Most counselors unless you are a marriage counselor do only get one side of the story and have to run with that until they learn differently. John has had multiple couples on the show and when that happens it’s great but most callers don’t. Him calling someone a “coward” or “acting like a child” again is just calling a spade a spade. It’s no ill will plus he is not in a professional counseling relationship anymore, he’s transitioned to more being a coach so he can let loose on people and still be empathetic with them.
She’s probably just in shock. Maybe some anger that he didn’t stop drinking when he knew this would probably happen. All of her feelings are valid and I’m praying that she can get some stability because it’s just heartbreaking!
They appreciate the views and watch time . Just a heads up watching Delony and Rachel and then commenting makes the algorithm show you them more! Hope you’re having a fantastic Wednesday! 😊
In general I appreciate the show. I just miss Dave. His daughter doesn't stop talking dribble and John's solution to people's problem is to have them just be born again.
@@flashthecorgi2053I don’t think the algorithm works that way. The computer doesn’t scan hours of content to see who’s on, it simple looks at the description the producers put below the video. Since the actual hosts of the day are not singled out in the video description they won’t be shown more than any other host combo (at least not based on who the host is).
@@notgivingmyemail3381They are singled out in the description says “hosts Dr. John Delony and Rachel Cruze…” plus Delony is in the thumbnail so I’m pretty sure the algorithm can read that and pushes that person more. I could be wrong but that’s my understanding!
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I am 17 years old and love listening to y'all and learning about winning with money! My dad got me listening to The Ramsey Show, Smart Money Happy Hour, and the George Kamel TH-cam channel about 2 yrs ago and I've been listening often since. I have been working for 2 yrs and have saved almost $14,000. Ive been putting my money into CDs lately. Anyways, I love you guys, and I can't wait to live an adult debt free lifestyle!
Jordan, you are awesome! Way to go!👌
You're doing great! Have you looked into a Roth IRA? If you max out 7k every year from the age of 18 to retirement you'll be sitting on well over 5 million tax free. I started a Roth at 32 and will cap out at about 1.5 million by retirement. I wish I started when I was your age but better late than never.
@@BeeDee-qs9so thanks! 😄
I want my son to listen too 🙏🏼
@@cleirecarvalho457 I enjoy it, and it sure is good stuff to know at a young age for sure!
I agree with Rachel on Valentine's Day. It's a glorified day to spend more than usual for the name of "love". Love is all all-year-round.
The commercialization of Valentine's Day is amazing these days. I was in our large grocery store last weekend and the VD display looked almost like Christmas!
👏 🙌 👏 🙌
Love costs nothing. You don't have to spend to show love.
If you can buy a nice card or go out to dinner on V Day. Imo it's okay to show extra love on some days. I'm not going to be a grinch when I can make an extra effort on V Day. Rachael seems resentful that Hallmark is making money on selling cards. Hallmark also employs alot of people. Rachael can make her own card if she so chooses. Kids especially love V Day. Spread the love. You don't have to break the bank.
@@lyndahammel9502 Absolutely! One negative about this show is that they criticize anything that is not the "Ramsey Way" - sometimes gently, sometimes viciously (like their attacks on banks.) Everyone who works at RS is indoctrinated to the point that it is almost like a cult! Dollar Tree cards - some of them beautiful - are also largely made by Hallmark and I get them there 2 for $1. So what does she have to say about that?
I love how they said that Dave is chillin' in Cabo. He deserves it! Happy to hear that he's finally enjoying the fruits of his labor
Rachel has gotten really good at this now! She's really come into the hosting role.
Im crying right now with John talking to the mother with only one child. I am in the same predicament that John's mother was, knowing that he knew what his mother did to better their lives is amazing❤❤❤
I'm liking Rachel more and more. She's has good banter with the other co-hosts. Lightens up the show!
Praying for each of you reading this, that the Lord helps you with any trials you’re facing. To be good stewards of your money. To lean on Jesus because only He can do the impossible and give you the strength you need. Amen 🙏 💪
Good show Rachel and John! Your guidance and helping with financial problems was on point!
Another day another show to listening too. Give me 2 to 3 years I'll be there do debt free scream. 😅😅😅😅
Great show today! Love the Dr. D and RC combo. Also, praying for all the hurting callers today! ❤
A lot of hurting callers, family issues.🙁
If I were talking to a stranger who told me that she had just moved into her forever home and I said there is no such thing as a forever home, would I be considered rude? I am tired of Dave and John and the others making that comment to people who just may be in their forever home. Yes, I am one of them. I moved into my home at age 27 and I am still here 57 years later. It was built in the late 1800s, I absolutely love it and it's two bricks thick, not made of popsicle sticks and tinfoil like many new properties and it's in great shape. According to all the statistics, the average homeowner lives in three homes. Therefore, that last one is their forever home. To all of you, please stop being rude to the callers.
Love y’all!! Happy late Valentine’s Day ❤ 💌 💖
I show my love 365 ! Not just one day
" A society that puts equality - in the sense of equality of outcome - ahead of freedom will end up with neither equality nor freedom. The use of force to achieve equality will destroy freedom , and the force, introduced for good purposes, will end up in the hands of people who use it to promote their own interests." -Milton Friedman
I feel for Kimberly. I wish they would hear her pain without jumping into the grim reality of it every time. She knows what she’s facing so quit with the drama- she’s already There. Just help her with what she’s asking about. Sending my best wishes and prayers to her.
I gotta say, I relate with Dr John more than any of the other personalities. I love his view on things. I feel like he's the kind of guy I could just hang out with and be comfortable.
As someone employed in the racing community, Jason is full of it. He forgot to mention the part where his Dad pays 2 million dollars a year for him to "win" $400,000. The whole call is either a lie (all the references to crashing and losing income, that's not how any racecar driver talks or thinks), or he's leaving out the generational wealth his father is paying for him to play around.
Jason is not only full of it but he's an idiot!
Good to know, thanks for your honesty
Love the show! Thank you
Best advice John nailed it on that last one
To Sandy, who feels she has to decide between living in florida and moving back to Ohio, there are other places that you could move to that are warm and would allow you to live debt-free. One example is Savannah, GA. I encourage you to do more research.
Rough show today, Jim from Green Bay living in a shed with 6 kids? Prayers and wishing you peace in the future.
We have had friends with issues related to family property, sometimes it works out, but other times it is a complete mess. You live life thinking parents are going to leave you the house or farm, and if not you wake up at 40 or 50 with no equity built up.
It sounded to me like he was Amish or something.
At the 1 hour 30 minutes question.... buying gifts for my Husband, I buy as much as I can with cash (from my personal spending $ in our budget) in person. OR, I have a couple "minions" that I hand cash too and they order the gift for me. If it was a biggy that needed to be in our names (airline/trip type stuff) then I would buy as close to the date, and ask him to not look at the accounts.
John you are amazing to get to the point of their issues. He has been a liar since before the marriage. What is she doing striking out at his kids. He caused all this mess.
I have my own amazon account but we are on the family plan I can't see his and I can't see his I guess that doesn't fit in the ramsey plan. Never thought it would be wrong. We always tell each other when packages come and if it is a gift, we do not open each other's mail out of respect so we don't rip into each other's amazon packages. We are 73 and 67. It works for us.
I think you're good...I wouldn't stress about it. If it works for you, that's what matters.❤❤
In our family we write the occasion into the address. Jane BIRTHDAY Thompson, or Jane CHRISTMAS Thompson. That way nothing gets opened and the surprise spoiled. I've actually never understood couples who can see new things around the house and claim they didn't realize the other partner was spending money! We also don't open each other's mail - never have. It's SECRECY that is the problem, not separate accounts.
@@Trustbutverify2651 well said. Secrecy and separate are two totally different things.
“He is so full of crap his eyes are brown” had me dying
We used to say that all the time back in the 70s. Very common saying.
Such a KIND remark from someone whom others on these comments claim is always so sensitive and kind...
@@Trustbutverify2651 you know just because someone is sensitive and kind doesn't mean they are ignorant to the unhealthy behaviors and reality of someone else’s action
@@bettedavis9261 I actually didnt know that!
A loving correction: you guys consistently tell people who get a tax refund that they overpaid their withholdings. Just an FYI that anyone under about $58k income a year gets the earned income credit and child care credits which come in the form of a refund. I personally pay zero Federal and state tax withholding (and I run my payroll and the payrolls for many small businesses for my company) and I get several thousand dollars back in the tax credits yearly but pay Zero withholding. They are truly tax refunds for the lower income with children.
You will find that the RS personalities rarely mention (if ever) the tax implications for advice they give, either pro or con.
@@Trustbutverify2651 They are giving advise to contact HR and lower your withholding, which could be appropriate. But the blanket statement that you’re giving a loan to the IRS which is later a refund just doesn’t account for EIC and other tax credits.
They also say to take social security at 62-65 years old and continue working and invest the money.
The problem with that is health care is taken out and if one works it reduces SS payments. People not getting the full amount it's probably less than $1,500 after taxes and deductions. People have to work if they are taking it in their 60s without investments. It's best to wait until full retirement and get 8% increase every year plus cost of living increases. If people take it before there is no 8% increases.
@@eileenwatt8283 There is also another reason that advice is bad. If you postpone social security until you get the absolute maximum you can, that is a regular payment you can count on, even if it is reduced a bit in future years. The government is NOT going to do away with social security - they would have a mass uprising on their hands. But whatever you have in savings and investments - even millions - can be wiped out in a heartbeat by serious medical conditions or other disasters. Now that I'm retired (although still working part-time), I realize how glad both of us are that we maxed out out social security and waited because IF WE HAVE TO, although we have investments, we can live on the social security income because it is so much larger than it would have been if we had taken it at 62. Sometimes in life a bird in the hand really is worth two in the bush! Keep in mind that all these "personalities" giving this advice (except Dave who is a multi-millionaire), are young. They have no idea about anything regarding actually LIVING in retirement. And not all of us can start a huge business like Dave.
@@JuliaCloonanyup. Thank you for your comment. I don't know why they don't realize that, maybe ignorant, maybe just that disconnected from people who don't make a ton of money.
Phew this first call is like being trampled by a herd of wild mustangs. What a mess.
But one SHE contributed to by not checking everything out in advance. It's not all on him. Some women love to blame men for everything (and I'm a woman.) She knew she was marrying a family. She should have been able to see how he treated his kids. She did not check his credit report. She needs to own up to her part in this fiasco.
@@Trustbutverify2651nope
More Dave Ramsey, please.
I love the line, “Solve for Freedom” amen!
This is why you get a credit report, see his financial statements and medical report.
If he's lying about his finances he's likely lying about other things.
She is obviously in love with him and blind to the fact that people who lie, lie all the time. He will never change. The fact that she's working on this relationship lets him know that he can lie to her about everything and anything and she will accept it.
She needs to see a therapist who will explain to her what a real relationship looks like and why she's worth it and then she needs to leave.
She has some responsibility to know what her husband is doing, it’s a 2way street
NO kidding!!! (And more than some.)
New slogan “Solve for Freedom” I love it
Unfortunately for the caller whose boyfriend does not want to marry so he doesn't have to pay alimony if they split, Minnesota is NOT one of the states that recognizes common law marriage.
Husband deserted us 2018.. He didn't care if we had food on the table etc. ( " go to a food pantry ") Valentines Day he leaves me a message from the nursing home in Fargo where he'll be forever telling me how "much I love you from the bottom of my heart❤!!" Valentine's Day I agree with y'all is garbage! He can " go to he'll in a hay basket". That's my nice😂way of putting it!😡
Give that kid 18 years of parents that don’t owe anyone anything
1:06 Valentine’s Day is NOT a holiday
Just started following and listening to this channel and I was expecting stuff from the clips that are everywhere. Nothing this deep
I miss Dave. He was so much more to-the-point
Yes!! I couldn't listen for years when Dave wasn't on the air
Content starts at 1:55
Gotta love a guy who makes 400k with 150k in the bank calling in to see if he can afford a car. Give me a break. Save the call ins for people who need actual help. Cry me a river Jason. This had to be a troll call.
Sandy in Naples, FL. Please find a job, then pay off the car. Stay in FL. Good luck to you.
Please get Dave back on the dang show
I'm not holding my breath. His last vacation in October, November and December was about 2 1/2 months long!
@@myoldvhstapes uggghhh I want to see the ratings of the show when he is not. I bet it’s a tremendous dip in viewership
That particular vacation began on around 5 November and ended on around 11 December.@@myoldvhstapes
There are a lot of new people listening to the show every day and they have not heard Dave's wisdom. Those of us who have been listening for many many years cringe at some of the answers that are given or important facts that are omitted. I'm to the point where I listen at the most once every two or three weeks and if it's not Dave and Rachel, I don't listen. I only clicked on this one because I didn't have a CD in my car and I was aggravated almost immediately.
A female THREATENING her husband with divorce because she's upset??? What are the odds??? Protect your money and seed, gents
Definitely protect the seed!
Too bad she couldn't trust him & needed to protect her assets from his lies & choices. She wouldn't be threatening divorce if he would have been honest before marriage.
@@lesleyellis7649 bingo
6:10 6:33 6:45 8:00
To Ryan in Salt Lake City @1:41:00.
If you're a Christian with 5 children I'd strongly advise you to look at the laws in California before moving there.
They have some dodgy new laws that pretty much protect pedophiles.
Their school's have control over the parents, if your Christian raised kids show innocent curiosity in sexuality or identity they're at serious risk of being brainwashed and mutilated behind your back or taken away from you if you're resistant.
I'd strongly recommend a state with laws that do not infringe or intrude on you as a parent. The sun shines in many states, move to one of those and simply plan annual family vacation to California.
Anybody else wanna bet that ‘Jim’ is Amish or Mennonite? Pretty sure that’s a PA Dutch accent
That's exactly what I was thinking
I'm a single guy never been married but I just don't understand why you're not combining my married people aren't combining their their incomes I mean they're right you just glorified roommates that sleep together
Valentines day has a really dark beginning. Just like all other pagan holidays that we follow, unfortunately.
Great comment
1:38:00 Ryan, why are you letting other people speak into where you live? It's your and your wife's lives. Live where you want, for pity's sake.
Me sitting over here with brown eyes....
Max is a great young man.
I need advice on retirement investments, how may I speak to you guys? I’ve tried calling the number many times.
They don't give anything except generic advice on retirement investments - mutual funds in four categories, invest 15% after all debt is paid off and 3-6 months or emergency fund is saved, and otherwise they advise you check in with one of their SmartVestor pros. The advice is very general - they are NOT going to tell you which funds to pick. If you listen to the show, you'll hear the four categories. growth, growth and income, aggressive growth, and international. In general, they GREATLY exaggerate the return that most funds will bring except in exceptional years - so don't get your hopes up. But they are right about one thing - STAY in the market, up or down. It almost never works out to time the market. On a personal note, the two SmartVestor Pros we called did not work out for us - we stayed with the investment company we already had. Each of the SVPs we called wanted $750 up front to even set an appointment. The SVPs have to pay RS to be on the recommended list - and I understand it's quite a bit of money. Seems to come out of the hides of those who later call them on the recommended list... I hope others had better experiences.
go to the web site at ask a question
You could contact a financial advisor who is a fiduciary. They could probably help you more.
Why would he be a skeptic about Valentine's day? Hes happily married!❤
Stop, solve for freedom, not going to catch on
poor Keith...you work, she spends, I see a problem for you
44:12 uhmmmmmm am i the only one wondering when they started dating?
Went from he owes to we owe. The ridiculousness she needs to divorce him.
Emily is right in being mad but I can sense she is not easy to live with
Emily - it's her fault if she did not ask to check his credit report before she got married. He obviously did not want to lose her and my guess is he was afraid to tell her or he did not see this as debt, but as commitments he made to his kids b/c most of the debt seems to be his children's education. It's ON HER to check his report, not just on him. Trust, but always verify! AS USUAL, JBD just jumps on the husband with one side of the story. What I'm hearing here is her saying I, I, I - and, sorry, a lot of this is on her for not verifying in advance. If it's for his kids and past commitments he made to his kids, t's not like he's been randomly wantonly spending on himself. "Evidently," my dear, means SHE did not check. I'm not sure I believe her that he lied - nor do I like the way JBD is handling this. She hates those kids and now she is threatening to get half of his retirement after only a year. There is a lot more to this story than her side.
Agreed. She started to show her true self as soon as the “how about I divorce you and take half your retirement and half your games” came out of her mouth. I know there’s only so much you can do in a two minute call, but the hosts should have picked up that she likely was telling a very skewed version of her story.
@@notgivingmyemail3381she sounds like a piece of work.
That lady scared me straight. Just don’t get married.
I’m a man running away far and long.
Maybe Emily can get the marriage annulled?
I tried to listen for half the show - I honestly did. But I'd had enough.
Too much John?
Again, with the negativity, why??? Why do you feel the need to comment this? It literally makes ZERO sense. Just move on! You’re a teacher it’s scary how hateful you can be especially in a YT comment section!
@@flashthecorgi2053 can you disappear for a while!
Well, somebody has to stay broke in this world , your choice
@@DudeMuscleNope just gonna keep driving it home to be KIND. We need less hate in this world! Hope you’re having a great day today!
I wonder if they get a strike from TH-cam every time they play Baker Street. ▶️
I bet they pay a license fee
Happy any time someone plays Baker Street.
@@tonyandjackieholmes9546 same! Loved that song since I heard it the first time when I was 10 years old
Rachel 👎👎thumbs down on Valentines Day. Useless holiday.
Are there any holidays that aren't useless?
All American holidays are tradition and can be celebrated in a non hallmark way!
@@amireallythatgrumpy6508 Actually, there are a LOT of families with limited incomes who depend on Thanksgiving and Christmas to provide for their children what they cannot afford, sometimes due to their own financial negligence and sometimes due to disastrous events (medical, fires, etc.) that are beyond their control.
Gold has almost doubled in 5 years and Bitcoin is up 120% over the last year and 1200% in 5 years
I wonder if Dave Ramsey would be opposed to selling pictures of my feet online to get out of debt?
Lol! I say go for it
Dave doesn’t need to wear a vest like that. He looks grumpier than usual
John Deloney should not be in the driver's seat. Too easily distracted off topic.
42:10
Incorrect response from Rachel at 19:00 nonchalantly stating that a monthly payment of $275 is not a huge amount, like its fine 🥴
Not huge when the average car payment is over $700/month, genius
It’s not! Quit trying to hate on Rachel lol. The avg is massive. That is nothing. She’s right
@@OopThereItIs77777
It depends on someone's salary.
If someone making $ 20,000 yearly and has rent it might be alot for them vs someone making $100,000. 00 and low expenses.
I hate the way this guy jump to insults another man without listening the other half of the story. Once someone do that I am sure that is not a good professional. I am referring to the first call on the show. Always but always you have to listen to both sides before issuing your opinion or advice
The PhD on the first call calls someone a coward who he doesn’t know. Who’s the coward Johnny ? The PhD kisses Dave’s butt & he calls other people coward. Why is he on a financial show ??
Delony called the guy a coward because he lied to his wife’s face. He’s just being honest and also this isn’t just a “financial” show anymore it’s about life and relationships hence why they brought on Dr. John AND Ken. So the PHD is right here. He was brought on to takes these calls specifically and he does a great job!
Why does an elderly man come to a TH-cam podcast to mock and bully people half his age? What in god’s name is wrong with you? Just STOP!
Totally - but watch for the Corgi who blindly loves the guy. Never misses a chance to defend him in the comments. Watch for it 🤣
Delony has two doctorates - one in counselor education and supervision and the other in higher education administration, both from Texas Tech. Neither of these are direct patient-professional interaction related. Most of the people calling likely presume he is a psychiatrist (medical doctor) or psychologist (therapist.) If he is licensed to diagnose people with problems or has direct therapy treatment, the way he goes about it is not the way a genuine therapist would do so. The “Can I stop you right now?”, “I’m willing to bet you…” and insults, as well as “Just let it go” are certainly not what a true therapist would say. He also relates every problem to himself. But he LOVES being called “Doctor” on the show and the show never misses a chance to remind the public of his title.
@@Trustbutverify2651 Respectfully, you have zero clue what you’re talking about.
First, Delony has had clinical interaction. He was a LPC in the state of TX and purposely chose to not renew his license in TN because he didn’t want the regulations.
Second, he doesn’t care to be called doctor. He’s fine with you calling him John. Matter of fact, just the other day Ken asked when you are in a hotel do you introduce yourself as “Dr. John” and he said nope “my mom named me John” so please don’t spread that false rumor.
Third, Delony probably has more hands on and clinical experience than any counselor because he literally has cleaned brains of walls, sat with mothers while their son is dead in the next room, etc. Normal counselors are there in the aftermath but Delony showed up in the trauma day in and day out. Not to mention spent years in psychiatric hospitals with students so he has plenty of patient care interaction. If you just did one search of Delony and his credentials you wouldn’t be saying half the stuff you do. It’s quite ignorant from someone who prides their self on being a teacher.
Your critiques of him only having one side again doesn’t hold. Most counselors unless you are a marriage counselor do only get one side of the story and have to run with that until they learn differently. John has had multiple couples on the show and when that happens it’s great but most callers don’t. Him calling someone a “coward” or “acting like a child” again is just calling a spade a spade. It’s no ill will plus he is not in a professional counseling relationship anymore, he’s transitioned to more being a coach so he can let loose on people and still be empathetic with them.
Sounds like Ella's boyfriend is a redpiller
Does anybody think Kimberly was VERY COLD. Her husband has a year left to live and she's worrying about house renovations?
She’s probably just in shock. Maybe some anger that he didn’t stop drinking when he knew this would probably happen. All of her feelings are valid and I’m praying that she can get some stability because it’s just heartbreaking!
Dr John Delony should've married Rachel Cruz. They'd make the perfect couple
John always assumes the worst in men and sees women as victims.
He thinks he is The White Knight
He has anger towards men he can't hold back
Couldn't someone have worn a heart patterned sweater... geesh. lol
I am not even particularly a “Valentines Day” person but truly, I have to agree with you 😂❤
Should have kept the starter home for a while and saved more.
So you cash out all the Robinhood to pay the car?
So nothing will be left in your stocks?
They recommend to cash out only stocks, not index funds, 401k, etc..
Or sell the car, that’s the Ramsey way
Yes
Yes.
The 2 worst personalities. :(
At least one of them is the worst in my books - always the same!
They appreciate the views and watch time . Just a heads up watching Delony and Rachel and then commenting makes the algorithm show you them more! Hope you’re having a fantastic Wednesday! 😊
In general I appreciate the show. I just miss Dave. His daughter doesn't stop talking dribble and John's solution to people's problem is to have them just be born again.
@@flashthecorgi2053I don’t think the algorithm works that way. The computer doesn’t scan hours of content to see who’s on, it simple looks at the description the producers put below the video. Since the actual hosts of the day are not singled out in the video description they won’t be shown more than any other host combo (at least not based on who the host is).
@@notgivingmyemail3381They are singled out in the description says “hosts Dr. John Delony and Rachel Cruze…” plus Delony is in the thumbnail so I’m pretty sure the algorithm can read that and pushes that person more. I could be wrong but that’s my understanding!