The Ramsey Show (Replay for May 27, 2024)
ฝัง
- เผยแพร่เมื่อ 26 ก.ย. 2024
- 💵 Sign up for EveryDollar today! Create a free budget - ter.li/i091at
Next Steps:
📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or send us a message - www.ramseysolu...
Support our Sponsors:
Blinds.com - www.Blinds.com
Christian Healthcare Ministries - www.CHMinistri...
Churchill Mortgage - www.ChurchillM...
Hallow - www.hallow.com...
Yrefy - yrefy.com/ramsey
Watch more from Ramsey Network:
🍸 Smart Money Happy Hour ⮕ ter.li/dre4oa
💸The Ramsey Show Highlights ⮕ ter.li/tp4w1h
🧠The Dr. John Delony Show ⮕ ter.li/9l5k9g
💰George Kamel ⮕ ter.li/2ma765
💡The Rachel Cruze Show ⮕ ter.li/roya3c
💼The Ken Coleman Show - Highlights ⮕ ter.li/7ipp7e
📈EntreLeadership ⮕ ter.li/proqeb
Ramsey Solutions Privacy Policy
www.ramseysolu...
Rachels' concerned face when Dave is talking is the best. Her facial expressions say it all. Keep the shot on both of them lol, Dave's word and Rachel's facial expressions are a dynamic duo!!
I love how honest and direct Dave is man, straight to the point. I like that
I am always impressed how quickly Dave sizes a situation and simplifies the grey .
I love that my wife is a stay at home mom. I think everyone who can financially do that should. Even being a high income earner, though, you do have to take an ego check. I am guilty of that, unfortunately. I can't buy all the things I want, but I know my wife is home educating our children, and I wouldn't trust another person on this Earth to do that to my children but her
Dave. Basic finance classes need to be taught in schools. You could end poverty in one generation. We should all be demanding better education for kids as well as adults about the subject
It is taught in schools- not all students listen!
Im just here to say that money is not everything at the end of the day. We were poor , young pregnant couple at 18 and for many years I imagined the day we “made it” . We had a money goal we chased we checked a lot of things in our goal list. And guess what ? We were the unhappiest we ever been LMAO We couldn’t understand why . We had “everything “ we dreamed of . But we didn’t have God .we were empty inside,we were anxious, depressed, material things do not equal happiness . We are now working on our spiritual journey . Good luck to everybody on your debt free journey but don’t forget to lean on God and have a relationship with him on the way ❤
So glad you took the time to give Glory to God....after all, He will remain for all eternity, money won't.
Even Dave said keep your spirituality.
Your absolutely right though give to God and God will give you meaning in your life
The hollow villa syndrome. E'rything outside, no content.
Lord Jesus bless this family right here 🙏💗
Plumber: “Sir your shower drain is clogged and needs to be serviced”
You: “Plumbing isn’t everything”
I think she makes closer to $86k not $160k
Poor girl 😂
That’s what I was thinking. She and her husband make a combined $80, not each per year. But I think things got misconstrued because Dave kept talking and so did she.
They forgot about health insurance coming out of one of the checks. It’s expensive!
I was as annoyed by her as much as Dave lol
She said they're each bringing home $1800 every two weeks. That's $7200 a month net. If the only withholding they had was taxes, then that equates to about 120K/year in Georgia. This isn't counting 401K, insurance, pension or any other withholding they may have.
I'm 47yrs old. $73,000 biweekly and I'm retired, this video have inspired me greatly in many ways that I remember my past of how I struggled with many things in life to be where I am today!!!!❤️
How did you do it? Do explain please 😯
My family have been into series of sufferings lately
All thanks to Renee Marie Harrison
After I raised up to 325k trading with her I bought a new House and a car here in the states 🇺🇸🇺🇸 also paid for my son's surgery (Oscar). Glory to God.shalom.
Absolutely! I've heard stories of people who started with little to no knowledge but made it out victoriously thanks to Renee Marie Harrison.
I do know Renee M. Harrison, I also have even become successful....
During my journey to become debt-free, we didn't eat out for a year. This was easier because we had toddlers and taking them to a restaurant is never fun. But we did this to save money. I remember someone in our family taking us out one time to a steak house and it feeling so foreign. You also appreciate it so much when it's a treat and not an every day occurrence. Anything you need to cut for a season is well worth the reward on the other end. Keep going!
“Stop looking at internet!” Dave nailed it on the first caller! Is it a fad to follow being negative? No, no, No!!!
Noah! IF you come to Waco, we have about 200k metro population and are home of Baylor University. I promise either BU staff or the high quality counseling practices in town can connect you to the personal or group help you need while here. Also many super churches. Good luck and hang tough regardless of.your decision!
I worked on the week ends so that my husband watched the kids.
Teamwork
Dave wasnt having it today and I thoroughly enjoyed it.
47:04 currently home barefoot and pregnant with my two babies. 😆 so blessed to be able to stay home
Shows with Rachel are the best! 👊🏻💥👊🏻
The sass is fierce today, with Daddy Dave 🔥🔥🔥
🤣 the bluntness, though
For annonymous building good habit takes time. You can do a *no spend* week/month where you tell yourself I’m not gonna spend money on lunch, i’m bringing my sandwich, not gonna buy my usual statbuck/Dunkin' I’m taking my to go thermos, and each day cross it out. It makes out accountable. Build up to it
Great advice! I buy a pound of generic decaf coffee for four dollars and I get 25 cups of coffee from it. Even spending two dollars a day for 20 days would be $40 at a coffee shop. People don't realize how quickly little things add up.
I listen to you every night and I love your show ❤
*First caller just rang in to brag*
Happens a lot.
Big fan Dave! However the every dollar app is not “just a few dollars” Its actually $18 a month. Nice tool but it’s overpriced
1:53 a housing crash doesn’t affect him.. if prices go down.. oh well ride it out… you have 2.5% rate and seems like your monthly payment is probably well within your budget… so even if there’s a crash…. Ride it out, real estate will always go down then come back up. It’s a cycle.
She just realizes you don’t own shit took her long enough for that reality check
another great show, thank you Dave!
😂 Dave! Gucci day care! Nose sunburned! Haha!
I’m literally laughing about the lady with the husband going back to school lol like the story doesn’t make sense
8:26 never thought I'd hear the same music on the Settled RuneScape YT channel and Dave Ramsey.
UK watching as well ❤
Sir how much do you earn a year? Plz reply. Thanks a lot.
Me too! Scotland over here 🙌
Same. I wonder what Dave would make of our student loans, the fact that they're written off at a certain stage and so many people don't bother to pay them
160k! LOL Husband really been lying to her and doesn't know any math.....lol.
Dave lays into her soooooooooo goood 58:25 it hurts to watch 😭
Yeah, I thought too he was a little hard on her.
Who gets a tax refund anymore just people with kids?
No. Minimum wage workers usually and if they have kids they might get more. I make too much money and I have kids but I have no refund, I've been paying taxes for the past 10 years. It depends on the income in theory. The more money you make the more taxes you which seems fair
A tax refund doesn't really imply your tax status or tax burden. And it has nothing to do with "getting more back" or having a lower tax burden. It literally has to do with how much you're having your employer taking out to pay what you owe. If they take out too much you get a refund. The size of which is dependent about how much they are over. Same if they take out too little, then you owe.
Its the pinnacle of ignorance of how taxes work where people think "I got a huge refund yaaaaaa!". No. You paid too way much and now are getting it back.
Everyone seems to think it's this magical thing where if they get a refund they won the lottery and if they owe the government just screwed them.
So silly.
@@gormerothI LOVE THIS!!!! Amennnnnn
Finally...sense
Except with the EITC people with children receive much more than they paid. Co worker bragging about 11k refund and has all the deductions. Crazy
Can anyone tell me which episode is this? Exact one?
I don’t think caller is off with her numbers…..I make $78,099 and yep it’s $1800 net every two weeks after all the crap that the gov takes out…… plus health insurance.
@TheRamseyShowEpisodes Info: 47y/o and wife is 55 y/o. Wife and I are in good health with no bills other than a mortgage that is 25% of our take home. Collectively 150k in retirement account, and 100k in high yield CDs, wife has no other retirement income or pension. 2 adult kids who are also in good health.
Decision to be made this year: $8600 per month pension for the rest of my life and my wife's life AND 200k lump sum payment OR $10,200 per month pension for wife and my entire life with no lump sum?
Caller just before the hour mark: She really made $80,000 total not $160 and she let you say she made 160. One of the biggest parts of her problems is her rent is way too high in that case. Over $2,000 rent is almost 50% of take home pay if 80k is their gross. Get lower rent
I wish the Every Dollar app was available in the Bahamas
I remember years ago that Dave said there was a budget form in the back of one of his books. Maybe the total money makeover? It might not be as sophisticated but I have the old "yellow pad" with all my bills listed in the order in which they come and a list of sinking funds at the bottom and I use the money from previous months paychecks to pay the next month's bills. That doesn't mean I live paycheck to paycheck lol. Hope that helps!
The app is available in The Bahamas.
Pen and paper is just as effective. My mom had used a composition notebook since she left my dad with one paycheck in her pocket. You can do it!
Pen and paper is just as effective. My mom had used a composition notebook since she left my dad with one paycheck in her pocket. You can do it!
@@jacquelinesymonette312 how did you find it? When I looked in the Google Play store it said it's not available in your region
I’m starting to hear a lot more family members mention the Ramsey baby steps
I agree daycare is expensive but think about it, in our area it cose 150 a week for a child age 2. Thats only 3 dollars an hour if they are there 50 hours a week. What is a reasonable amount to pay for your kids.
What a dream! I pay 1050 a month
Dave was going ham on that y’all Gal haha $160k/year she prob meant $86,400/year
They make combined 160K.
$86,400 net yearly
She said she makes 80k salary and her paychecks are 1400 😂😂😂
He was getting out of control lol
She needed to have her numbers correct. Frustrating to listen to. Why did she say 80 each when she probably meant 80 combined??
Dave vs Ashley
NP in Psych explains it all 😂
I’ve seen similar comments to mine. I heard Ramsey is making some folks suspicious you’all. He uses religion, he stated his net worth is over a 1/2 a billion, he’s short tempered & calls folks in certain legitimate careers like insurance bad names while he makes money from an insurance agency he recommends.
I was like “$1800 every 2 weeks doesn’t make sense!” Then I ran the numbers and I don’t know what they’re paying in taxes, but at 35%, they would each clear $2000 every 2 weeks, so not as far off as I thought.
Can I get that young man’s number for my daughter? 😉 You never know!
Wife of Shane in Denver sounds like she might be happier if all their eggs werent being stored in the house basket. Denver has crashed before - the nationwide market may do it again after everybody does the FOMO routine on getting the new Freddie insured 2nd mortgages to tap into equity. Is wifey on board with the distribution of their monthly income? Just asking.... 😊
For me, I'd rather be sure I have a deep deep food pantry and a backup generator before shuttling every last nickel onto the house balance.
Comes to show how it don’t matter how well we are doing we will always have something to worry about because look how they are worried about a false idea making amazing money and with no debt… it’s all mentality
Im 41 years old living over seas. I have about $12k in debt but I have about $7k in savings. Should i zero out my saving in order to pay off debt faster and then regrow my savings or spend month to month putting money towards increasing savings and paying off debt? please help
Think dave would say keep 1k emergency saving start, & 6k towards your debt. Keep putting overtime or extra payments to get rid of the debt. Then focus on the savings 6 months income. He has a baby step video that's pretty good. You can do it!
Hey from the Lou! Working to become next
There's no way Ashley from GA is making a combined $13k a month (before taxes). Her math is completely wrong.
I have mortgage debt, no credit card debt. Listen to David I’ve started saving adding 700.dlrs into 401k .
In the discussion of a mom not making money considering the high cost of daycare… you shouldn’t forget the opportunity cost of LEAVING the workforce if you do. If you leave for five years because it was a net zero because of childcare you may find your skills outdated or not be able to find a job at the same level. Alternatively, you may not make much more than the cost of daycare NOW, but what about six months from now? Or two years from now? How much further along could you be in your career could you be if you didn’t leave the workforce? In a world where so many marriages end in divorce, women need to consider this possibility too.
I’ve worked with several women now who kept working despite the net financial position not changing, precisely so that when their children are at school and childcare costs ease, they won’t have gone backwards in their career trajectory.
Health insurance paycheck deductions?
If my husband was making less than me he would be willing to loose money just to stay working because he can’t handle staying at home with the kids. 😄
Omg at 1 hour 😂
Dave needs to chill out.
Honey"…………..
"Did you just say that" 😅
I personally wish he hadn’t 😢 but I love the show and all his advise
Sell your car
Eat more tacos and get some Jesus
Jesús as in a Mexican man or do you mean Jesús from the Bible? I need clarification.
Step 1:
Eat tacos
Step 2:
Get some Jesus (sounds suspicious) depending on translation. 😂😅
I had heard this show before, so it's not last nights show.
Yes, it says in the upper right corner, "Previously Recorded," so we know it's a rerun.
@bettedavis9261 I look forward to listening to it ,luckily I only remembered bits of it.
@@paulajeffrey6706 I always enjoy listening to the repeats.
Come down Dave
35:37 he doesn’t need school. Go straight to apprenticeship
This housing market is going to crash... Job layoffs will crash all!!
You've probably been saying that for 10 years.
@amireallythatgrumpy6508 no I am debt free with no mortgage and I know people can't afford what they have and will be loosing there homes to foreclosure. People live to far above their means. Sorry I creat my own economy!
@@kevinnierenhausen7855 People have always lived too far above their means.
Well, as a daycare worker I can guarantee you that the employee is not getting much more than minimum wage. The government needs to step in and make daycare similar to public schools.
Or have a child tax credit for kids under 5 and a parent can stay home or work partime.
In Scandinavian countries their daycare staff are educated in early child development and their pay reflects their degree.
@micheleohmer4117 I remember a Scandinavian foreign exchange student. She said people lived pretty boring, very similar lives.
Requiring a certain wage for daycare workers would force more women into the workforce because it would increase base taxes needed to be paid.
Egalitarian societies don't produce more children per capita.
Anyway, i remember our foreign exchange student being blown away that we had a house with large yard and a second home on a nearby lake.
She says most families live in small homes, and there's really not much upward mobility.
It's so much more fun and interesting to be able to work yourself into a different lifestyle.. Scandinavia seems boring.. the vast majority seem lower to middle "middle class" and stuck there.. although I guess everyone has medical Care.
Stop talking over Rachel, Dave! At 49 min. That’s rude
Sure. He was being rude throughout the show, but she interrupted too.
Utah? lol
Sir, Buy a new car or a used car?
Why are they playing Repeats 🤔
Today is Memorial Day. Ramsey team is off! 🇺🇸
@@flashthecorgi2053 Thankyou I'm in Australia 😊
@@pennybentley5125Greetings from Texas!
Holiday weekend
Yeah, I bet it's super easy to pay off fifty four thousand dollars and workersa shit tunnel over time when you don't have any kids
I know Dave is a man of god, but is there anyways @calebhammer on TH-cam could be his illigitament child lol
I feel like this episode is a repeat from the past?
It is, it says "previously recorded" up in the right hand corner.
This is because of the Memorial Day holiday.
This is because of the Memorial Day holiday.
Dave, I am a huge fan, but please, take it a notch down. That lady with $160k total family income is saying that HER take home pay is $1,800/every 2 weeks. She needs to speak only about total take home pay for both incomes. Ahe was not consistently addressing both take home pays combined.
Her math is still off if her bills are 4000 yet she only has 500 a month left over. She probably THINKS she makes 160, but doesn’t.
I was doing the math as she was talking & she's way off. I'm with Dave. And she's thick!
Daycare is outrageous and should be looked into but, I won't lose years of work experience to stay at home.
So many grandparents are exhausted, taking care of their grandkids and some have to say they need to cut back because they don’t have the knees or the energy to do it. It never should’ve gotten this back.
Poor Rachel, he seems to just wants eye candy, just a pretty face, let her talk. I like she doesn't always agree with him, having all the personalities parrot him is just boring. Rachel is pretty, smart and a little privileged but emphasizes with the audience and he should let her talk more.
Saying that he wants his daughter there as eye candy is offensive
@@brenda121143 I didn’t mean as a girlfriend, but just a pretty face for people to tune in and see.
People watch the show cause of Dave. The ones with Dave in it have more views
She’s not for eye candy, she is a great co host.
No one comes to this channel to see Dave Co-Host, so your comment is very ignorant
Stop yelling
Sometimes you got to
The winners do, only winers don't
Rachel arguing, talking over, and challenging Dave is obnoxious!
Daycare where I am is $800+ for 2 kids but daycares are supplemented by the government. The regular price would be closer to $1,600+. That would be at least $300 more than our mortgage. It's insane. lol Luckily the oldest starts school this year so it will drop down again.
I just love Rachael, she’s so relatable 😂
I don’t think they said touchdown. I think they said amen hallelujah lol
That’s the thought love we first hate and then love bc he is right n we have to wake up n face or stupidity n it sucks but once you take control do the steps u will thank him
Can I pay off my house with my 401k to be completely out of debt? I think 401’s are a scam 😂
Anyone have a suggestion?
@22:50 those couple still suck at money. They made 250k and paid only 55k off. 😢😢😢 ramsey shouldn't of scolded them and say they should of paid that off in 4 months.
“Blowing’ it, left and right” pause smh 14:54