Dave, I'm Worried About A Government Shutdown!
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- เผยแพร่เมื่อ 31 ม.ค. 2023
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Looking to learn more? Check out these related articles from Ramsey:
What Is a Government Shutdown and How It Could Affect You - bit.ly/RamseyGovernmentShutdown
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What to Do if You Miss a Paycheck - bit.ly/RamseyMissAPaycheck
Worst case scenario; you stop and pile cash, then if it doesn't happen, you put the cash toward debt
I created a shutdown fund to weather these crazy times. Just put $50 away every paycheck, and then you will be covered. It grew large enough to use it as my retirement vacation fund.
That makes way to much sense. Most people are to incompetent to save $50 from every paycheck. I like how you think!
"I work for the goverment so in the event of a shutdown I would be deemed essential and have to work without pay". So you're too essential to stop working but not essential enough to get paid? Leave those clowns.
So essential
They will all get back pay anyway.
@@jimmymcgill6778 Thats not the point.
@@Thomas-yo2zu I am just saying that they will get back pay. I never said it was right .
@@Thomas-yo2zu seriously! Some of you guys cry about everything! If they get back pay, I don’t see a problem
You will be paid back pay, and most shutdowns aren't any longer than a couple of days.
Exactly. This happens, like....every other year. Just another Wednesday.😅
In 2018, it shut down for 35 days. I hope this doesn't happen. People are still recovering from 2020.
@@SIP612 Recovering from what? Everyone got paid back and a few years to straighten everything out.
The tragic part is they will open back up again.
🤣🤣🤣🤣
Yah we don’t need no stinking gov ….yeee haa!
Such a shame lol
Comment of month right here
Hah..too funny
I was in the military during the 2013 shutdown, the civilians I worked with were mandated to work. My first paycheck was half the amount I would of been paid and then by the next paycheck-got all our money back.
Yup!
*would have
Would have. Is English your second language?
While I was in California, I could only catch the Dave Ramsey show when I got into/over the hills from the Bay Area into the Central Valley, on my way to Modesto.
I dislike the drama that surrounds this. Every year it comes up, but every year it's somehow an emergency.
They are probloby surprised when winter comes every year too
I worked for Accenture for a year. I left after a year for a much better job paying almost double what I was making there. I remember them wanting us to use our vacation time if the contract didn't give us enough hours for the month. They also underpay you. I'm grateful to use that place as a stepping stone for something better but there was no way they were gonna force me to use my vacation because they didn't properly allocate hours in the budget for that month
Dave says her coworkers are broke but he must’ve forgot that the majority of America is broke with most people living paycheck to paycheck.
no, he is actually very aware of that, and is part of his point
I've been civil service for almost 19 years and only experienced shutdowns twice. First time, I was essential, and the second i wasn't. Both times, we were paid after the shutdown. Sequestration was another story, and we were required to take leave without pay. I'm not concerned about a shutdown any time soon.
Love Dave Ramsey he put things into perspective
Glad he is back after a long break. It's time to take charge of things and let these callers have it!!!
To the caller, you should consider banking up one or two paychecks worth. Anything beyond that is highly unlikely.
I agree with your comment
Interesting segment.
I think there needs to be a differentiation understood between a baby step emergency fund and your actual savings which can also be used for emergencies.
Dave will forever be a legend in finance
You can be a legend in your financial world, you don't need Dave, take away the common sense from him though.
Doing a no spend month this February!!!
But it's only 93% of a month. Too easy.
I hope so, these politicians need to spend within theories budget!
Theories? 🙄
I thought the answer to her original question would be "yes" but Dave answered "no" and told her to pile up cash. I don't understand what the difference is between increasing her starter emergency fund and piling up cash. Wouldn't the starter emergency fund in a savings account be considered cash as well?
Он намекает на проблемы с банковской системой, для этого лучше иметь наличные.
I think he just wanted to differentiate between pausing the baby steps temporarily and increasing the starter emergency fund. He would not recommend permanently increasing the starter emergency fund, but he WOULD say it's okay under certain circumstances to pause the steps to pile up cash (in a savings account), and then once you're out of the "storm", dump that cash back on to the debt or whatever baby step you're currently working on.
75 hours a week, wow. Not worth it.
She needs to worry more about her own state going bankrupt due to their stupid policies.
the problem is that CASH is slowly becoming ''worthless'' (losing value)
Proud of this women ❤
Woman*. Singular.
Nothing is going to happen until June or later. She is guaranteed back pay anyway if it does happen.
I'm totally fine with the govt shutting down
Good old Modesto!
Pile up cash but don't increase emergency fund? I get what Dave says, but I have more than 1000 stashed away.
"They broke people."
Lol... I can't believe these words use in a sentenced sounds so funny
They're broke people.
Don't worry about things you have no control over.
Yah just juice up and don’t worry 😂
Wrong. You do worry.
You still need to prepare for things you have no control over. If I was her I would hold off making payments and keep the cash for a month just in case she misses a paycheck
So I shouldn't worry about someone hitting my car while I'm driving?
@@tira2145 no that’s why you have insurance
Dave will implement every dollar if he were in Washington 😂
I'm glad I'm still working that's for sure!
Stop everything and pile up cash everywhere! I love it. 🥰
"Work your plan and shut up" 😆
People have no memory of past events SMDH.
Keep as much cash as you feel secure
How many times have Dave said there will be no shutdown, and then a shutdown happened?
Only a millionaire would say don't worry about it.
He came across as rude and unknowledgeable in this clip. How is he going to tell this woman about how her own job works? He needs to take a Midol. 🙄
Dave also said after the shutdown anyone who thinks inflation is more than transitory is stupid. How that prediction turn out?
@@dewilew2137 Yeah. She knows more about her OT them he does.
How much cash is piling up cash?
Can I email a question in?
Can we revisit this topic?
She seems to have called it as looks like the tornado is coming.
if i remember correctly, this whole shutdown thing already happened a year or two ago? did people not learn anything?
It's theater. Establishment insiders playing the role of right are going against Establishment insiders playing the role of left to trick you into thinking there's a choice. But they're all on the same team, and it's not the team regular people are on.
This is America. People never learn. They just mindlessly consume and fear on command when the power structures in this country tell them to be scared of anything that might interfere with that consumption. Its a major reason that 2/3rds of the country is paycheck to paycheck.
dave said shut up!
HE’S BACK!!!!!! 😆😆😆😆
Stop everything including minimum paymnets? That will increase fees quickly. It is hard to build a significant amount when you are broke. Get a Union auto job, get laid off and collect 95%. Work at the Honda plant in Marysville, Ohio. It has been open since 1979 with no work stoppage ever. Caller can do little except hope.
Just wait till the EV mandates kick in. How many EVs has Honda made there?
He doesn’t mean stop minimum payments, he just means pause his system and pile up cash temporarily for this purpose.
Natalie should also worry about her own state of California
She need to check with her Labour Union about them overtime hours during "shutdown."
Why?
YAY! Kristina and Dave! Woot woot 👍
But then they get caught up on their pay when it all gets worked out.
Will the Gov shut down? We can only hope and pray that it does. Unfortunately it won't!
100% needs to shut down and cut everything until they have the debt going in the right direction
100%
@@Ruprecttt agree but political suicide so it won't happen
A budget it’s that simple
Why is this guy so rude in in this clip? My god. 🙄
“They’re broke people”….oh my 😮💨
Dave, you should let your guests talk without interrupting them!
Dont worry about anything it is the worst thing yoi will ever do. It is what it is.
Dave is a legend
Only in yours and his own mind.
Love listening to Dave and co’s answers to these panicking nitwits who’ve got their heads buried in silly conspiracy theory videos.
I agree, but I wouldn't classify this as a conspiracy theory. It is simply congressional drama.
Would love for it to stay shutdown
No you wouldn’t.
I'm sure the Russian and Chinese governments would love that too.
Why is this making her nervous *now?*
She should have considered this before she got the job.
It was no secret.
Both parties say there won’t be a shut down.
Both parties lie more often than they tell the truth
✝️🙏
Dave: No. don’t increase the £1000. Just pile up loads more cash. …..so effectively increase the £1000 then yeah lol
No, it's $1000. Big difference in amount.
Dave needs to let the co-host speak. So rude. 🙄
Dear Natalie, if you need a man who is local and debt free(has a jumpstart on retirement)shoot me a line
Are we going to have a shutdown ???
Hope so.
Shut it down
If she works 75 hrs a week why she doesn’t have at least one year of savings already is hard to understand I work 40 to 48 hrs a week I have a little over one year of savings geez people use your brain for more than just a empty shell
She just started and presumably has a lot of college debt, or possibly bad past decision. She’s on her way to success, this is just a speed bump.
They printing money anyway ...
Why is there a potential shut down? Lol what am I missing?
Why working full time plus 35 hours per week overtime for only 100k.
How much should she be getting paid?
I though they make more in the gov.
@@rainacherienne1010 she works for usps! She’s prob a mail carrier and that’s decent pay
@@reese85 Oh, mail carriers are so needed and it’s hard work, I always look forward to my mail, wish they get paid more.
@@reese85 she works for the USDA
a big pile of money or another job!!!!
No don't increase your emergency fund pile up cash because an emergency is coming.....
Shut it all down!
Dave looks like he lost weight!
People actually care about gov shutdowns?
Yes, we care when our paycheck is affected. Yes, we will get paid back for the hours worked, eventually, but not for the hours we are told to stay home. An essential worker will work the hours and just get paid late. Non-essential personnel don't get paid for hours not worked (as it should be, but sucks when it's not planned time off) 🤷🏻♀️
Yes. That's why you should always have more then 1k.
AND you should never have consumer debt.
i would love it to shut down. please GOD let it shut down
With all due respect to Dave, there is most likely a gov't shutdown happening as of October 1st of this year. This clip did NOT age well...
I hope they shut down and never reopen
I hope Dave joins the Libertarian Party.
Honestly shutting down for a bit would be the best thing for america
AGREED!!!
I am looking forward to another paid vacation…
Those that are told to stay home will get back pay with the time off so it’s like extra annual leave time or paid vacation time for the rest of America.
It is a forced paid vacation. They get paid back.
😅
Dave is teaching her the basics of critical thinking
P
She's not that bright.
She's "essential" though. 🤷♂️
hopefully, the shutdown will be permanent.
When people use the word "essential," is a CNN watchers. There is no need to jump on words and phrase ban wagon. Just say it's important.
Essential is a specific designation. For instance, we were treated as expendable during the most dangerous time of the pandemic, forced to work and try to find our own PPE and hand sanitizer. We would have been fired for not going to work, even though we did not sign up for danger and are not compensated like police and firefighters.
@GenX X No one didn't start saying essential until CNN etc start saying it. They are changing how people speak/thought process. It's important to have your PPE. hand santize on you. Look at all the words and phrases you're no longer can't say because it racist, hate speech, etc. There's two books coming out in 2024 that will change how you talk in the work environment because it hurts people feeling or remember of the past. I don't need to read the package on toilet paper saying it's essential. Lol, when it common sense.. I don't need to read a sales paper saying medication, etc, is essential. It's all a marketing tool to get people to buy, etc.
It’s a specific legal term with very significant and established meaning, you rube
I'd rather it shut down and we start from scratch....
Dave is losing his questioning attitude and becoming more arrogant. Don’t be mean Dave!
That lady next to Dave looks creepy.
If that's what you call creepy, I can think of a lot of guys that wouldn't mind being creeped out.
@@XennialGuy I bet
She looks Beautiful to me 🤷🏿♂️
No, she’s just stressed out because Dave constantly cuts her off. He should of encouraged her more and not be adding to that anxiety he already caused her. She looks like she has panic attacks to even come to work (same like Ken).
@@rainacherienne1010 That could be it! She looked off at the beginning of the video. Ken looks like he's coked up sometimes the way he grinds his teeth, cool guy though.
A true govt shutdown, we could only be so lucky.
Amazing how much Dave Ramsey does not know
These are fake calls. My opinion
Shut it down