After my house sold; I have been in debt free for 4 working on 5 years now ! Thank you for your show and the advice you give to your callers ! Being debt free is awesome, place to be live in !
I listen every day from the U.K and am following the baby steps/snowball plan. Your advice is life changing and I love all the presenters. Scotland was lucky to see Dave! 😊
26 years ago My husband and I bought a construction company. (I was a licensed plumber for 17 years. )A few years later my husband wanted me to work for our company with no pay. He said we'd enjoy the money at retirement. Long story short, he dropped the "Bankruptcy bomb " on me along with infidelity. He left me with 2 kid's and moved to the virgin islands. I never saw any money 😂 Needless to say, I divorced him. I've been completely debt free since 2008 and paid cash for my retirement home in Colorado. I don't have a big retirement income but I'm living life just fine across the street from a lake and golf course 😂😂
A 23 year old with a master degree … wow! As Dave said you are sharp ! How would you feel if he cannot make his rent payment one month ? I understand that you are a person of faith. Being able to pay for your rent is a question of survival. If that men does not have the zeal, the motivation to mark his territory, to be responsible for the basics ,what else will he be demotivated to do? He has to grow up! Focus on your life and all the good you can do ! Don’t ask him to prove you anything! That’s his life, his responsibility to stand on his own two 👣! Go get the world 🌎; wonderful people like you are needed!
I was a stay at Home mom with no money in my IRA or any savings of my own, which was scary at 53 years of age. Three years ago I got a part time job and save everything I make. After 3 years, I am 56 yo and have put $9,000 in an IRA and $40,000 in my portfolio with CFA, Stephanie Janis Stiefel. Since the goal of getting a job was to invest for retirement and NOT up my lifestyle, I was able to scale this quickly to $150,000. If I can do this in a year, anyone can.
I know this lady you just mentioned. Stephanie Janis Stiefel is a portfolio manager and investment advisor. She gained recognition as an employee of neuberger berman; a renowned investor she is. Stephanie Janis Stiefel has demonstrated expertise in investment strategies and has been involved in managing portfolios and providing guidance to clients.
Stephanie Janis Stiefel hooked me up with a late-stage fund that got me in on private shares of some hot companies before they hit the market or blew up. Those investments totally paid off when the companies went public and their stocks shot up. Now, I'm stoked because I'm heading into retirement with almost a million bucks in my portfolio.
Stephanie Janis Stiefel has really set the standard for others to follow, we love her here in Canada 🇨🇦 as she has been really helpful and changed lots of life's
I think I know who the caller from the pet franchise talked to. It's a company that encourages people to go into debt and start a franchise business. Do not do it. Trust your gut and do not take out huge huge loans because of a sales pitch. Be strong. Start your own business if you want, on the side, while you earn an income. Debt is never the answer.
Years ago, I stayed at my Aunts house she told me that we had to pay for any food that we ate each cookie was .50 cents! We left and stayed at a hotel 😀
I had an aunt like that. Back in the mid to late 80s we did not have a TV. (We were kids under 10yo) She used to charge my sister and I 10 cents to watch TV 😂
Matt, thank you for your service, sir. You sound like you need this bit of verbal affirmation. Enjoy the real estate your family left you to benefit from.
The whole family sending each other invoices is pretty crazy. I feel like there is alot more going on there what happened between the family with money?
Dave’s back, and it feels like the lighthouse is shining again, guiding us through the storm. Like a steady father figure, his wisdom brings clarity and calm. So glad to have him back!
I agree, though I was sad to hear him say he is supporting the convicted felon for President. I thought Dave believed in law and order, and would not support a criminal.
Tracy, the Executor has to do what the will states. Do not walk away - you may regret it later. You can INSIST that the house and assets be sold. (Or they can buy you out.)
My grandmother passed away 15 years ago (2009) and my uncle still hasn’t executed her will. My dad doesn’t want to rock the boat, so he refuses to take legal action, but we’re pretty sure her bank accounts have been wiped clean and they’re sitting on a piece of land that is worth at least $5M 🤦♀️
The only time I could even think of a guest paying for anything is if they request a fancy, borderline-gourmet meal that I can't afford to buy the ingredients for and saying "The only way that I could do that is if you bought the ingredients because I really can't add that to my budget right now". And even that might be more of a joke than serious unless they took you up on it. SO WEIRD!
My mom says it's usually the spouses of the inheriting adult kids who instigate fights. They're not emotionally attached to anyone but their spouse, so there's no disincentive. When my dad's dad died, he willed each of his kid's spouses $1k. Then the rest was divided. In a way, it was "you stay out of it money." My dad and his siblings are also not the kind to fight and to respect each other and their dad, so it all worked out. But my parents are planning ahead like this too and we kids are on board with it.
@@jenniferpearce1052nah people fight over this stuff all the time. Sibling fights over personal items and especially childhood homes can get vicious. My dad was about to throw down with his parents when he found out they were selling his childhood home. I can only imagine what would happen if they'd died there and my dad and his sisters had different opinions on what to do
Did I understand Dave correctly on the first call? When this couple marries and combines their finances and assets he is automatically half owner of her home? If the marriage does not work out is he then entitled to proceeds from the house?
@janise01 depends on the area. Where I live, Dave is 100% correct. The "matrimonial home" is 50/50 even if bought before marriage and the non owner doesn't have to be on the deed or anything. In other places, the non-owner can get a portion of the home if they help pay the mortgage or renovations
I already know theres no money coming in for a small bussiness. Until later on the run. Like i really hope they reconsider their idea. 🥴 or get the salary out of it.
This new generation always come over empty handed , back in the day , an Entenmann’s cake was mandatory to visit , no one would dare come empty handed no matter how poor they were, I miss the 70’s and 80’s
@@striperkid yeah , I guess I’ll have too, I’m sick of hearing how they’ll never get a house , they can’t afford one because of the boomers , whine , whine , whine and no cake in hand
@@crazymouselady me either. There is a pet supply plus near me, doesn't seem super busy but they did add a do it yourself pet wash which might bring in more money.
You gotta get the team to google the mom who charged her child’s friend’s parents for their kid staying over the night. She charged them for flushing the toilet and made a post about normalising it.
For Paige, I don't think she's making them buy stuff. I feel like she's just asking them to pick up stuff, if they can. When my mom comes to visit me, she brings stuff for my house.
Right. I doubt she's forcing them to buy food for all their meals or something ridiculous. What probably happened is one of both of the parents was going to the store and Paige or her husband asked them to pick up some incidentals for dinner or something. When I've visited family there's been a couple times when the plan was to have one thing but we all decided something else sounded better so I pitched in a few dollars or picked up a couple items. It wasn't unusual and I didn't give it a second thought. I figured that happens pretty frequently when a guest is staying for more than a day or so and isn't a big deal. I could be wrong and to his defense Dave couldn't ask questions to get clarity but IMO he jumped to a conclusion that isn't the most likely scenario based on the letter.
I laugh at this man and his advice to the masses. Never once, does he look at the root cause of so many financial issues in America. Trickle Down Economics works well for men like Ramsey, but rest of us, the proof is in the simple fact, 70% of us LIVE CHECK TO CHECK. He talks big dollars, when folks are trying to run a two penny's together in the hopes of a nickle. Instead, why does he not speak about income inequality, or who actually owns the stock market wealth, or how folks can not save when most are working poor. Corporations like Wal Mart, who refused to pay wages, reaps huge benefits. Home Depot, Stock Buy Backs. Stock Buy Backs help the average family, no. This man is no different than a snake oil salesman...
He has some good points - we are too quick to spend money on frivolous things because of YOLO/capitalist society and social media. A lot of us also live beyond our means, especially on credit.
@@patriciak826 A big fraction of Credit Card Transactions was on FOOD, in the first quarter of 2024. LET THAT SINK IN. Here we have a guy, Ramsey talking about Millionaires, when the majority of folks are struggling, to even feed their families. Corporations have reaped huge benefits for far too long, one big relief would be raise taxes on corporations, and give the Middle Class breathing room. Trickle Down Economics has failed, have we not seen enough. Almost all his success stories are from two decades ago. TODAY, a GEN X.. how. Women will be taking over, real change is coming in GOV.
Kidlcarus45 - o.k. Apparently you don't see what I see. It's pretty easy to figure out why 70% are living paycheck to paycheck. Every restaurant is packed, usually with families with children. People are sporting tattoos, fancy hair dos and mani/pedis, carrying expensive cell phone, wearing very expensive tennis shoes and driving around in cars (whether being bought or leased) that do NOT look like beaters. Their kids' rooms are crammed with toys and they are having expensive birthday parties, baby reveals, and the list goes on and on. Cut out about 90% of that "stuff" and most people can live, save, and invest on what income they actually have. Cook at home, make a budget, and stop throwing away money on discretionary items!
Because it's not relevant to the average person, since these are things they have zero control over. Control the controllables! If you don't understand that, you have the intelligence of a brick. Like the rest of America. Which is the real cause of your financial problems, not the economy.
Nothing new as far as interruptions and cutting in while somebody speaking, that’s nothing new for any of these guys out my personal opinion and I’m not professional by any means totally unprofessional. That’s totally unprofessional way to be.
![ปฏิเสธไม่ไหว (Crush on you) - LIPTA feat. No One Else [Official MV]](http://i.ytimg.com/vi/NBw1jF342vw/mqdefault.jpg)
Thank you so much for having me on your show today! Enjoyed getting to do my debt-free scream!!
🎉🎉🎉
Hey Steven
Congratulations!
Congrats dude, my wife and I are hoping to be on that stage end of 2026!
Congrats!!🎉
I am Indonesian listening everyday from Bali island. Bought your 2 books, now I am at step 6-7. Thanks for the show
I am American. I did my honeymoon in Bali
After my house sold; I have been in debt free for 4 working on 5 years now ! Thank you for your show and the advice you give to your callers ! Being debt free is awesome, place to be live in !
Where do you live now?
I listen every day from the U.K and am following the baby steps/snowball plan. Your advice is life changing and I love all the presenters. Scotland was lucky to see Dave! 😊
26 years ago My husband and I bought a construction company. (I was a licensed plumber for 17 years. )A few years later my husband wanted me to work for our company with no pay. He said we'd enjoy the money at retirement. Long story short, he dropped the "Bankruptcy bomb " on me along with infidelity.
He left me with 2 kid's and moved to the virgin islands. I never saw any money 😂 Needless to say, I divorced him.
I've been completely debt free since 2008 and paid cash for my retirement home in Colorado. I don't have a big retirement income but I'm living life just fine across the street from a lake and golf course 😂😂
I‘m a 75 year old German woman (listening from Germany… I love your stuff and often forward your Videos to my grandkids…
Ramsey Show supporters and producers:: my family and I love listening to your shows !
Steven is an inspiration. Thank you Steven and you too Dave.
A 23 year old with a master degree … wow! As Dave said you are sharp ! How would you feel if he cannot make his rent payment one month ? I understand that you are a person of faith. Being able to pay for your rent is a question of survival. If that men does not have the zeal, the motivation to mark his territory, to be responsible for the basics ,what else will he be demotivated to do? He has to grow up! Focus on your life and all the good you can do ! Don’t ask him to prove you anything! That’s his life, his responsibility to stand on his own two 👣! Go get the world 🌎; wonderful people like you are needed!
I was a stay at Home mom with no money in my IRA or any savings of my own, which was scary at 53 years of age. Three years ago I got a part time job and save everything I make. After 3 years, I am 56 yo and have put $9,000 in an IRA and $40,000 in my portfolio with CFA, Stephanie Janis Stiefel. Since the goal of getting a job was to invest for retirement and NOT up my lifestyle, I was able to scale this quickly to $150,000. If I can do this in a year, anyone can.
I know this lady you just mentioned. Stephanie Janis Stiefel is a portfolio manager and investment advisor. She gained recognition as an employee of neuberger berman; a renowned investor she is. Stephanie Janis Stiefel has demonstrated expertise in investment strategies and has been involved in managing portfolios and providing guidance to clients.
Stephanie Janis Stiefel hooked me up with a late-stage fund that got me in on private shares of some hot companies before they hit the market or blew up. Those investments totally paid off when the companies went public and their stocks shot up. Now, I'm stoked because I'm heading into retirement with almost a million bucks in my portfolio.
How can i reach her, if you don't mind me asking?
Stephanie Janis Stiefel has really set the standard for others to follow, we love her here in Canada 🇨🇦 as she has been really helpful and changed lots of life's
her name is 'STEPHANIE JANIS STIEFEL'. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment.
Steven is the best debt-free scream participant ever!! Awesome kid!! Brilliant!
Steven so proud of u I’m on my road of being debt free 🆓 😊
Not the parents sending a bill for the stay 😂 that’s hilarious. They gotta be trolling.
I’m watching from Australia. Love it
I think I know who the caller from the pet franchise talked to. It's a company that encourages people to go into debt and start a franchise business. Do not do it. Trust your gut and do not take out huge huge loans because of a sales pitch. Be strong. Start your own business if you want, on the side, while you earn an income. Debt is never the answer.
What is it
Years ago, I stayed at my Aunts house she told me that we had to pay for any food that we ate each cookie was .50 cents! We left and stayed at a hotel 😀
People like that have no joy in their lives. She lost out on having family near her and chose to be alone. So dumb!
@@laurab5849 Well ya never the whole story to make that call!
I had an aunt like that. Back in the mid to late 80s we did not have a TV. (We were kids under 10yo) She used to charge my sister and I 10 cents to watch TV 😂
And we HAD to enter through the back door.
Wow
From Scotland here 🖐🏼, LOVE FROM SCOTLAND 🏴🏴🏴
LONG LIVE THE SCOTTY.
Matt, thank you for your service, sir. You sound like you need this bit of verbal affirmation. Enjoy the real estate your family left you to benefit from.
Great job Steven!! You are definitely going places in life. ❤🎉🎉🎉
The whole family sending each other invoices is pretty crazy. I feel like there is alot more going on there what happened between the family with money?
They're probably all accountants
Some married couples do that and I cannnoooootttt imagine the hassle
Steven congratulations! You are so well equipped going forward, it’s going to be great. Enjoy!
Dave’s back, and it feels like the lighthouse is shining again, guiding us through the storm. Like a steady father figure, his wisdom brings clarity and calm. So glad to have him back!
I agree, though I was sad to hear him say he is supporting the convicted felon for President. I thought Dave believed in law and order, and would not support a criminal.
All the way out in Australia and loving the content
Tracy, the Executor has to do what the will states. Do not walk away - you may regret it later. You can INSIST that the house and assets be sold. (Or they can buy you out.)
I listen from Scotland not far from Edinburgh!
Scottish Shortbread, the original comfort food, love it!!!!!!!!
Listening from France
Listening from the UK...Big fan via TH-cam
Steven did the Cristiano Ronaldo choreography after scoring a goal ⚽️💯🔥
Tracy, the Ramsey personalities are not attorneys.
My grandmother passed away 15 years ago (2009) and my uncle still hasn’t executed her will. My dad doesn’t want to rock the boat, so he refuses to take legal action, but we’re pretty sure her bank accounts have been wiped clean and they’re sitting on a piece of land that is worth at least $5M 🤦♀️
I’m a fan of you and your team. I’m Irish!
Sounds like Tracy et al needs to getabetter realtor and more realistic proce expectations
Did you see/hear the way Dave handled the Firefighter's call? No other host can handle calls like that, nor should they be.
Hey watching from England
The only time I could even think of a guest paying for anything is if they request a fancy, borderline-gourmet meal that I can't afford to buy the ingredients for and saying "The only way that I could do that is if you bought the ingredients because I really can't add that to my budget right now". And even that might be more of a joke than serious unless they took you up on it. SO WEIRD!
Lots of fans in Romania, too ❤️
Where can I watch this full case? The link takes me to another video.
Dave and Jade ⭐️⭐️🙏👏
What’s what’s the time stamp for this one in the bigger vid?
My parents had a will and my dad said if any of the siblings fight over the will, no one gets anything
My mom says it's usually the spouses of the inheriting adult kids who instigate fights. They're not emotionally attached to anyone but their spouse, so there's no disincentive. When my dad's dad died, he willed each of his kid's spouses $1k. Then the rest was divided. In a way, it was "you stay out of it money." My dad and his siblings are also not the kind to fight and to respect each other and their dad, so it all worked out. But my parents are planning ahead like this too and we kids are on board with it.
@@jenniferpearce1052nah people fight over this stuff all the time. Sibling fights over personal items and especially childhood homes can get vicious. My dad was about to throw down with his parents when he found out they were selling his childhood home. I can only imagine what would happen if they'd died there and my dad and his sisters had different opinions on what to do
Matt proves rich people ain't always smart, good lord
Lmao single mom trying to make a man "prove it to her" that he's worth it. Cant make this shit up!
What single mom?
Steven, way to go.
If middle and low class can't live in these high end areas
Who is gonna serve the rich?
Did I understand Dave correctly on the first call? When this couple marries and combines their finances and assets he is automatically half owner of her home? If the marriage does not work out is he then entitled to proceeds from the house?
In most states, yes
@@MONI-bj1ms Thank You. I did not know this.
He could be
That's what he said but I have doubts if the house was bought before marriage
@janise01 depends on the area. Where I live, Dave is 100% correct. The "matrimonial home" is 50/50 even if bought before marriage and the non owner doesn't have to be on the deed or anything. In other places, the non-owner can get a portion of the home if they help pay the mortgage or renovations
I already know theres no money coming in for a small bussiness. Until later on the run. Like i really hope they reconsider their idea. 🥴 or get the salary out of it.
They're not making more land, but way up in the coldest part of the upper midwest there is. Learn to enjoy the outdoors.
There are so many more homes available now in Tampa area
Tracy needs to chill out, sheesh! Just don't sign anything.
For real, a little too jumpy
This new generation always come over empty handed , back in the day , an Entenmann’s cake was mandatory to visit , no one would dare come empty handed no matter how poor they were, I miss the 70’s and 80’s
...then stop inviting this new generation to your home.
@@striperkid yeah , I guess I’ll have too, I’m sick of hearing how they’ll never get a house , they can’t afford one because of the boomers , whine , whine , whine and no cake in hand
That cruise isn't sold out YET!?
I hope the pet place does well...near me they have many but Amazon and other places online tend to be cheaper. He seems to need a little more guidance
Sounds like it's a franchise of a chain from some of the wording he was using. I was unaware of pet shop franchises.
@@crazymouselady me either. There is a pet supply plus near me, doesn't seem super busy but they did add a do it yourself pet wash which might bring in more money.
You gotta get the team to google the mom who charged her child’s friend’s parents for their kid staying over the night. She charged them for flushing the toilet and made a post about normalising it.
I found one about a mom charging for a playdate. Is that what you're talking about?
@@nikkibadzik3948that the one most probably.
We would never visit our children if we don’t pay for it and gift them some cash. What a weird question of the day..
For Paige, I don't think she's making them buy stuff. I feel like she's just asking them to pick up stuff, if they can. When my mom comes to visit me, she brings stuff for my house.
Right. I doubt she's forcing them to buy food for all their meals or something ridiculous. What probably happened is one of both of the parents was going to the store and Paige or her husband asked them to pick up some incidentals for dinner or something.
When I've visited family there's been a couple times when the plan was to have one thing but we all decided something else sounded better so I pitched in a few dollars or picked up a couple items. It wasn't unusual and I didn't give it a second thought. I figured that happens pretty frequently when a guest is staying for more than a day or so and isn't a big deal.
I could be wrong and to his defense Dave couldn't ask questions to get clarity but IMO he jumped to a conclusion that isn't the most likely scenario based on the letter.
This video has so many ads in between every call...
Fast Foward? Lazyyyyyyyyy alerttttttttt
@@xchubxyoda I do but Im at work and cant really be on the phone. Theres an ad every like 5 mins.
Great excuse lol
I get happy now that I dump money on my Mastercard.
The lady with the dad's estate, how much caffeine did you drink before this call. My gosh, chill for a minute. And quit looking for a pat on the back,
You can’t be tired of working
And have no money saved so you don’t have to work
Matt's nervous laughter is super irritating.
Paige, y'all are weird.
Nah girl you better not put your name on that lease he knows what he is doing 😒😡 and please dont marry him run girl !!!
Things were better under Trump just a fact
Nice generic statement. "Things"
Where Racheal, and her fashion!
Kamala and her value of taxing future value. Cslifornia taxes. Why would you risk investing in Cslifornia real estate?
I laugh at this man and his advice to the masses. Never once, does he look at the root cause of so many financial issues in America. Trickle Down Economics works well for men like Ramsey, but rest of us, the proof is in the simple fact, 70% of us LIVE CHECK TO CHECK. He talks big dollars, when folks are trying to run a two penny's together in the hopes of a nickle. Instead, why does he not speak about income inequality, or who actually owns the stock market wealth, or how folks can not save when most are working poor. Corporations like Wal Mart, who refused to pay wages, reaps huge benefits. Home Depot, Stock Buy Backs. Stock Buy Backs help the average family, no. This man is no different than a snake oil salesman...
He has some good points - we are too quick to spend money on frivolous things because of YOLO/capitalist society and social media. A lot of us also live beyond our means, especially on credit.
@@patriciak826 A big fraction of Credit Card Transactions was on FOOD, in the first quarter of 2024. LET THAT SINK IN. Here we have a guy, Ramsey talking about Millionaires, when the majority of folks are struggling, to even feed their families. Corporations have reaped huge benefits for far too long, one big relief would be raise taxes on corporations, and give the Middle Class breathing room. Trickle Down Economics has failed, have we not seen enough. Almost all his success stories are from two decades ago. TODAY, a GEN X.. how. Women will be taking over, real change is coming in GOV.
Kidlcarus45 - o.k. Apparently you don't see what I see. It's pretty easy to figure out why 70% are living paycheck to paycheck. Every restaurant is packed, usually with families with children. People are sporting tattoos, fancy hair dos and mani/pedis, carrying expensive cell phone, wearing very expensive tennis shoes and driving around in cars (whether being bought or leased) that do NOT look like beaters. Their kids' rooms are crammed with toys and they are having expensive birthday parties, baby reveals, and the list goes on and on. Cut out about 90% of that "stuff" and most people can live, save, and invest on what income they actually have. Cook at home, make a budget, and stop throwing away money on discretionary items!
Because it's not relevant to the average person, since these are things they have zero control over. Control the controllables! If you don't understand that, you have the intelligence of a brick. Like the rest of America. Which is the real cause of your financial problems, not the economy.
@@KidIcarus45s By the way, America has not had a middle class since WWI.
Matt take the numbers out and figure out what you want to do. This has nothing to do with money. 50k pension for NINE more years is a joke
Nothing new as far as interruptions and cutting in while somebody speaking, that’s nothing new for any of these guys out my personal opinion and I’m not professional by any means totally unprofessional. That’s totally unprofessional way to be.
Yeah, you're definitely not professional. No one would pay for your comments lol
Jade is so cringe. It's so hard to listen to the show while she is on
Name an example
I like Jade.
I was I Scotland, thanks to you losers who buy all my books 😂
You're welcome 🙃
🤔
@@Rick-of6gx😅
I am not appreciating the "ending" of this show. I thought more about you.