Fortune Favors Those Who Get Up and Go to Work! | May 22, 2024
ฝัง
- เผยแพร่เมื่อ 21 พ.ค. 2024
- The Ramsey Show (May 22, 2024)
💵 Sign up for EveryDollar today! Create a free budget - ter.li/e1ra1g
Dave Ramsey & Rachel Cruze answer your questions and discuss:
- "Our neighbor's septic is leaking into our yard..."
- "How do we get on the same page financially?"
- "How do I build a multi-family homestead?"
- "How much should I budget for a car?"
- How real millionaires built their wealth.
Next Steps:
📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or send us a message - www.ramseysolutions.com/shows...
🏠 Find a Ramsey Trusted Real Estate Agent - ter.li/6abrtu
Support our Sponsors:
Blinds.com - www.Blinds.com
Christian Healthcare Ministries - www.CHMinistries.org
Churchill Mortgage - www.ChurchillMortgage.com/Ramsey
Hallow - www.hallow.com/ramsey
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.ramseysolutions.com/compa...
I pray for the neighbor. When I went through some loss in my life. I gave up. Lost my home and was homeless for a year. 😢 I hope she gets counseling and assistance somehow ❤
Wow sorry you had to go through all that, hope you’re doing better now
Andrew in Atlanta!!! County (or agency controlling septic) can order the local water provider to cut off water to that house to prevent more septic output. It would bless her to go to a shelter or whatever to consider your kind offers of help. You don't say you're a believer, but your unselfish caring is Christlike to the max. BLESSINGS!!
House sounds like a "scrape off" to me.
They should contact the city to get guidance on what to do.
This is one of the calls I would love to get an update on eventually. Good luck to all parties.
It’s understandably important to recognize that this neighbor is stressed, broke and above all mentally ill. This is some ocd level issue as they are living in an unfit home and inflicting health risks on neighbors. Compassion should never get in the way of telling someone it’s time to get off the pot, and if they won’t get off or do the hard stuff you need to get social services involved. They need public housing, not to live in filth.
The tree
Love the Proverbs 31 bit. I’m not married yet but I believe the Lord will provide a great wife and I’ll trust her therefore, I’ll never have lack of gain!
That's a great faith! God provides
"Do something that causes the situation to change" I love what Dave said here. Sometimes you gotta rock the boat on purpose so you get to SEE the REAL person you are dealing with. Don't be afraid to do it.
I love how Dave speaks of his wife!!!
Our family has a family compound In new Mexico. There are 11 families. Each family has one acre. We love living like this together.
The actually sounds cool
You guys did it right by each family having a srperate acre.
Quarter secrion must have been subdivided before hand?
That family homestead conversation was so much fun. Dave got a chance to talk through his feelings as though it was a therapy session. I don’t think we ever need to worry that the extended Ramsey family is going to be living multi-generationally any time soon. Too funny. 😂❤
health hazard county or city should step in on the neighbors issue
Absolutely illegal to occupy a home with a failing septic here in my state.
Exactly! I don't understand the comments saying that the caller should offer to pay for it. That's 8-10k. That's a lot to cover that shouldn't be his responsibility.
Same thing happened at my house. The plumber said mine and the neighbors plumbing is connected and since we are below the neighbors house it mainly their septic getting pushed into our house and on the street. The city told us we need to fix it or we will get fined. They never went to the neighbors and my dad never asked. The plumber also said she is common in our area. And it costed about 13k
I like the content of the calls today, they were well set up and discussed the unique situations that people who own their own businesses face. Nice job!
the debt free screams always make me cry but i loved this so much because my side hustle is flipping also makes me want to really focus even more now because it can bring me the money i need ....love them giving glory to God also ...so beautiful
I know someone who opened a restaurant with a windfall of money and proceeded to lose $10,000 per month every month for 4 years until all the money was gone. 🤦♂️
I know someone who was in a similar situation. Borrowed money to open a coffee shop - in a small town that already had a successful coffee shop - in 6 months, they had to close it. Restaurants are hard to make a go of, especially as an independent.
@alleykeosheyan4779 All business are difficult to make a go of.
Andrew in Atlanta, call your county health department and ask to speak to the Environmental Health department and they will direct you.
I love the couple who did the debt free scream. ❤️ They hustled for real.
I love Dave for his humility and wisdom. It's so rare to meet someone that respects his wife.
Most men respect their wife...I hope.
It's like he's publicly overly compensating.
wrong idea! Lindsay, don't let your husband sell your paid off house! just to open a no plan restaurant
I feel so bad for Angela…. That marriage is done… she needs to leave and make that dushbag pay a ton of alimony and child support. He’s a controlling freak. This call makes me sick. She needs to leave
For real.
First caller of the Millionaire hour gives me hope as a 40year old with only $1400 in my 401k, $1000 emergency fund and on my way to being debt free with 27k of debt I’m looking to pay off in the next year. I rent and don’t see myself buying anything anytime soon. Calculating what I could have by 65-70 if I keep on this road I’ll have about what that gentlemen has at his age.
That last guy, "fortune favors those who get up and go to work and not by crypto." HAH!! Brilliant!
Yes and why the disabled cant get ahead!
If it were me, it would go like this: I'm going to get my own job, you will have zero access to my money, and you will pay 100% of the childcare expenses.
That's absolutely insane.
Report the septic leak to the health department. They may not allow her live there with the non functioning septic system.
I am in my 5 th home, so Dave is correct I really thought my 1st home was for ever, wow he’s amazing and really made me think of why am I in my 5th home 🤔
Keeping his wife off of the account is pure abuse and he’s definitely hiding something! How do I know this because I put up with the secrets and the lies for 38 years until I put my foot down. He’s acting like her daddy and not her husband.
It’s his way of keeping the power and the control over her because he can! STOP 🛑 him now or let him go live his single life. 8 years is way to long to allow him to treat you with his childish and selfish ways. Uggg
With three kids in South Carolina? Dude would be sending her over half his salary to her. I strongly dislike control freaks, which is what her husband is. I agree, he's hiding something.
I think you are all wrong if he's taking care of everything why does she need money I agree you can have a separate account together but her having access to his accounts I don't think so. Dave recommending marriage counseling is ridiculous it doesn't work. If she wants to contribute she should go back to work then there will be no problems where the money is going. They should be working towards the same financial goals.
@@jsjdhwbsbwbbqListen, I'm sure you're just a troll trying to be a fool. Your first comment proves that. You know nothing about marriage! What being ONE means, in sharing lives together, sharing debt and income together, sharing a home and bed together, sharing children and goals together, Sharing finances and a budget together. Agreeing and communicating about how you want to reach your goals, your dreams, your retirement, raising children,etc. Whether you're working outside the home for an income or raising the children & being a homemaker you're both contributing to building responsible, good, caring lives & home together. Your now ONE, doing DIFFERENT BUT EQUAL responsibilities in your marriage. Its ridiculous to hold anything in a marriage over the head of the other! to be controlling and self centered, whether its income, or children or physical power, etc. Your suppose to be caring and giving your best to each other. Your suppose to care about the heart of the love of your life, right?and their input in the marraige, Working is JUST one aspect of a marraige, like having the responsibility of raising children and running a household. Income has nothing to do with anything other then it being one of many responsibilities You Share as ONE. You still have individual interests, hobbies, etc but are SHARING your life as one also includes learning good communication with each other, which includes both of you having a say in how things work in your marriage and home and finances, continuing to learn to communicate better (which doing a budget with finances helps you learn to communicate better) No longer living JUST for themselves But for each other, caring about each other.. He should care that it bothers her that she feels like a child having to ask for $20 like she's a little teenager talking to daddy, but you knew that, you're just being dumb along with everything else you said proves that. Or you know nothing about marriage or what the data shows supporting what a good happy marriage is, as well as the GOOD advise she was given on this show. I doubt you understand what they are talking about. You're either ACTING like a fool to be a troll Or you believe what you said, which makes you the most pathetic Fool Ive encountered on this show since I'm sure you would disagree if the roles were reversed and the husband had no access to any money or any knowledge of how it was ALL being spent. You'd be ok with him NOT knowing whether any was going into retirement for the both of them to retire well?or whether the bills were being paid ontime without being late? Or if the mortgage was paid or 6 months behind, or whether money was being secretly put away, or spent foolishly, etc etc? But him having no access is ok to you right? Its just reversed in that scenario. Then again, if you think that's OK, you're the fool that I knew you were when I first started this, after reading comments you said like "they should work towards the same financial goals" lol what? when he doesn't give her any access to know what the finances are? Fool ..UUGG!
Rachel is one smart woman
"Certificates of Appreciation with presidents faces"
1:01:20 We've been in our semi-forever home for 25 years. No plans to move any time soon. This is the second home we've owned. My mom lived in her semi-forever home (her second purchased home) for 60 years, and then she died. My MIL lived in her semi-forever home (her third purchased home) for 46 years until she died. You're right...there is no forever home. We all eventually die.
No such thing as a "forever Home"....let's just call it a home.
@@brucefredrickson9677 yep. Didn't say it was a forever home, but rather a semi-forever home. Vast difference.
I like hearing the millionaires!!
Please link the correct episodes! That is the point of having the link available, so you can go watch the rest of the episode from the short.
Big congrats to the team and to you Ramsey from greece 🎉❤
Dave!! Angela won’t be able to get money for a therapist from her dushbag husband!! I feel like they should have helped her out with better help or something like that. I feel so bad for her. She needs to leave him. Made me sick hearing that
There are free resources . I think she can call 411 and speak to someone without him knowing
Atlanta caller: stay out of her life. As her friend sometimes that’s the best action. Report it’s to the county snd out in landscape redirect.
Dave is right I work as a food distribution consultant and restaurant business is so hard people can go out of business fast with a year I had account not make it through a year seriously
Mr. Ramsey is so knowledgeable!
Great show Dave and Rachel!
Your shows and financial related advice, and all your other wisdom you inject into your listeners is next level!! I really appreciate you guys! You've been a huge blessing and an answered prayer 🙏! Praise God!
@Angela from SC. I'm sorry you're going through that situation. It destroys you emotionally and I'm speaking from personal experience, though no children. He needs to know he has two options #1 include you in all of your finances or #2 be ready to pay alimony and child support which would be a whole lot more than what it seems he's giving you now. Maybe he'd realize it's cheaper to keep her.
My uncle had a restaurant for five years. Put his HOUSE up for collateral on the loan…lost it all. He is living out his senior years broke.
American homesteads something one of many great ideas from our Yankee friends.
and if you can't put down 20%....keep an eye on home value and as soon as equity reaches 20% or greater the mortgage company will drop PMI (but you have to poke the bear to get them to drop it, they won't reach out to you!). I had my PMI removed last year due to loan to home value but I had to contact the mortgage company.
We love you Dave!! 🇺🇸 👊🏼 💪🏼
Can he call the health department and have the home condemned? This is clearly a health issue.
I really like all the personalities, but it drives me crazy how Dave always interrupts Rachel. His show he can do what he wants, but he never interrupts anyone else like he does her.
Dave and rachel = best combo on air
In Japan, husbands give a sum of money every month for decades. It's about culture too. The firstborn boy must live with his parents after marriage and the wife is treated like trash. You're eating from my money, I'm the one who's working, etc. “old-style thinking. Lately, women have had the chance to work but housewives were and are treated very badly.
That's tragic
Sitting home wishing something will happen or change is a losing game.
"Date the rate and marry the house" doesn’t always work out so well... especially if rates go even higher as your house depreciates 😮
The best option for septic neighbor guy is to call the city and have the water forced off bc of the septic/condemned. Septic into his yard is a health hazard. No water and then she will be forced to either sell or repair.
Call the health department
I dated a man for two years then married. He was 11 years older than me. He did the same thing. We never had a joint account.
I had my own funds from the sell of my house (400,000.) and wanted us to build a home together. He said I was trying to trick him into a house.
We eould grocery shop and he pushed the basket. He would rearrange the items I put in the basket or unload the basket.
There's more to it than this.
We separated 2 times after 6 months .
I divorced him after 2 years and never looked back.
2:04:03 Amen to that, Scott! 🙌🏽😂🤣😂🤣😂
Time to have a $500,00 hour for Single folks, which is equivalent to married folks with 1 million+
Can two point four advise parties for one?!
If you make $500 a month. Or 2000 a month. It's not a small business it's a hobby
Angela, The next time he gives you « money to pay The bills», i would take that money, and The kids and set up another residence. While he is at work. Then have ur attorney contact him. When he realizes how Much money support and alimony is going to cost him, he may have a second thought. This dude needs a shock to his system.
Wow!!! The debt free scream🎉🎉🎉
We couldn't afford to buy the home we live in. Value has doubled, and interest rate is quadruple.
I'm 32. I fight against it.
On that first call, one option you could do is offer to pay for it. I get it's enabling, but if she's unable get it done and my family is being affected then I'm willing to pay for it then place a lein on the property.
That way my family doesn't have to deal with that problem and eventually I'll be repaid if she sells it or the county siezes and auctions it off.
Exactly!
I'd love to call in when I'm a millionaire but I doubt Dave will be doing the show by then. lol
Don’t count on that! You could be a millionaire sooner than you realize and he’s planning to stay till he “doesn’t make sense anymore “…so far, so good! 😊
@@BeeDee-qs9so Thanks! It's probably closer than I know but who knows. Conservatively we are a quarter of the way there.
@@DiscipleStevenCan’t wait to hear your Debt Free Scream one day! Keep putting one foot in front of the other. You will do this!😊👌👍🎉
Well, just think if she gets evicted because of the health hazard then they will be using water and none of the septic coming up in your yard so I would get her evicted
Unfortunately, I know a school teacher whose husband has a catering business that generates minimum income. They live off her income and the help of her elderly parents who are on a fixed income. They have moved three times since I've met them. Don't do it Lindsay!!!
Much wisdom from boomer who bought 1,600 square foot family home for $830 and sold it to Chinese investor for $1.5 million.
The husband witholding money from the wife, it's very simple: get yourself anjob, put the kids in daycare or send them to school and that's it. Make your money and he makes his, and split the bills. If not, let him go and put him on child support. I can't stand couples that aren't open to sharing their money. If you're cleaning, cooking, taking care of children, then he should allow you to have some spending money, but that's me. Otherwise, this is why autonomy in relationships is important. It traps you into the relationship, idc what anyone says. Get a job. Simple.
Or charge him $25.00 an hour for 24 hours a day for everything you do. Child care, housekeeping, cooking, laundry, etc. Sometimes, staying at home is much harder than it seems to others. It is very underappreciated.
They listened to her for 20 words and gave 200 words back. And told her to divorce him. They did not even ask her if she is responsible with money. And tell her to fucking divorce???
The city will be forcing the sale for taxes very soon. She has 2 choices. Sell to investors or lose out completely.
I appreciate Dave for what he does! Just wondering how many of these millionaire callers are people of color? Never heard him bring up this statistic with all the many others.
Why does it matter?
I wanna be debt free
Well wasn't that a very useful comment are you new here or have you actually been watching Ramsey Solutions content for many years like most of us? Sincerely asking
Follow the Baby Steps and you'll get there 👍🏻
Dang Angela
What’s up with the comments peddling some sort of investing scheme? It looks like an organized group of people who make comments under every Dave Ramsey video selling some woman’s investing class. Are these bots?
Yes, just bots that post on every video that does not delete them. This channel is hands-off and lets the spammers stay.
Report the comments when you find them.
@@user-hc9vz7oo3w In my experience, reporting spam just hides it from myself. The other commenters still see it.
Fortune favors those who get up an go to work? If you heard that it might be from the very person who downsized or took away your work rights
If real estate is so great, why did Dave sell his house?
To build another.
Dave claims to own "several hundred million" in properties, so I think he's a huge fan of owning real estate!
What? You make no sense and you know it. Buying real estate for investment has nothing to do with him selling or buying a personal home.. daah!
the seller can sell to cash investor is she want to sell her house to pay for the sewer line issue.
She doesn't want to sell, though.
Party for one. If you are not a party of one how can you link up with other people ?!
Dave keeps interrupting his daughter more than last time 😅😅😅
And that irritates the hell out of me....
But she interrupts him too
They both talk. Matched words. They both interrupt each other a lot
He interrupts the callers a lot too 😂
The funny part is that with the other hosts he listens more patiently. Only his daughter cannot finish a sentence without him interrupting:D
OF?
Could REALLY do without the snarky political remarks in his podcasts. Great info but sometimes really hard to digest due to the delivery and I find my eyes rolling so hard into the back of my head several times each time I listen. I tend not to do that so much with Jade, Rachel and George. I enjoy the show much more when Dave’s not hosting, lol. Just being honest. All in all, great financial advice.
Angela seems to put up with this...I doubt she complains to him.
🌿🌿🌿🌿🌿
Being a stay at home mom is never good. Men never respect it. Ladies keep a job & funds.
TH-cam recommendation to push me towards their rather loathsome ads.
Financial advice is like rainy days. Storms are better and big tech is a hostile environment.
Financial abuse is the new trigger now
Dave: "The only ship that doesn't sail is a partnership."
Also Dave: "Get married and combine finances with your spouse."
Marriage is a partnership 😮
A marriage is way more than just a partnership. It’s a covenant. Nowhere do business partners promise that they will take care of each other till death do them part.
How to make flower bouquet affordable
Is this a question? Answer: Go pick some flowers at a park or the side of the road.
Rachel is 😍 cute
Hey Dave you keep throwing VA under the bus as more expensive than a conventional loan...wrong advice as most Iraq vets have 10% or more disability and do not pay the VA funding fee! So VA is there best option.
Perhaps Angela was looking for a sugar daddy and now regrets it.
Subtext: it's always the woman's fault
I am subbed to this channel and even have the bell clicked, yet I was prevented from leaving a comment. The message said comments restricted to people subbed for at least 5 minutes. Well I've been subbed for months. Anyone have any answers. I lived in NM and family compounds among the old Hispanic families are common.
You've commented!
@@ChesterCheeto awesome comment thanks for helping
@@LordJesusEvangelism3158 anytime friend 😉👍,
Happy to make an impact on someone's day!
Contact TH-cam
1:02:00 "If you're gonna get into this real estate market, now is a really good time."
With prices at all time highs along with mortgage rates, how does Dave figure it's a good time? I'd much rather invest the money and wait for rates and prices to come down.
The all-time high was when it was 18%! Just by the house, and when rates come down, if they do, just refinance. That's Dave's advice.
@@brookelondon8029 I think we will avoid rates going much higher. But home prices are still way up. Our house value is up 30% since 2020.
Black gold…. Texas tea
Actually no Dave doing food catering and food truck business to opening a brick and mortar business way different
that's wrong! Is not acceptable. It's not acceptable. It has to be a joint account.
Lol. Oh no we got laid off and we have a giant emergency fund. What on earth are we gonna do to supplement income. Freaking people man.
Sometimes you have to take control of the bank accounts because of reckless spending over and over. No regard for future financial security. I'm sure that's the reason he's controlling the accounts. If not, then yes he needs to change some stuff. But, i doubt he doesn't have a reason besides what she mentioned. It doesn't make sense!
If she had reckless spending habits she wouldn't be in charge of paying the bills.
1:38:30 Dave, there are actually three types of millionaires: Asset Millionaires, Net Worth Millionaires, and Liquid Millionaires. I prefer to consider liquid millionaires for my personal yardstick. What I own (cash, retirement, brokerage) minus what I owe (absolutely nothing). Since I can't liquidate my house quickly for cash, or if I could, I'd need to buy a new house, I don't consider that as part of my "millionaire" status. But that's just me.🤷🏼♀️ If you want to disagree with me, I'm totally fine with that. If I were to include my house in my net worth, it's 13% of all my assets.
Good thing it doesn’t go by your standards. Stop trying to step on people that ARE millionaires. You’re no better than anyone.
A millionaire is a millionaire...a pizza is still a pizza no matter if its sliced or not.
@@motoryzen Yep. Bette is on here always dogging other humans I’ve noticed. She’s sad in her own life, millionaires or not. Her kids probably don’t come around much
The upside to your definition is that if you hit liquid millionaire status, you are by default a net worth millionaire. Nothing wrong with setting your personal bar higher. Good for you!
Asset Millionaires and liquid millionaires are either also net worth millionaires or merely pseudomillionaires.
Dang caller at 13:05 needs her husband to realize what marriage is.
Im not sure brandon in texas is farming just livestock 🤣
1:41:30
What’s up with all the hate against left-wing people?
Miss 500 business, that’s a side hustle or a hobby, girl should get a job
Really?? There's nothing really negative going on in that woman's life, in her marriage, the only issue that she has is that he has total control of the finances, so we're calling that "financial abuse"?? She has to have everything??? Blame modern women why this is becoming more of a trend
Control is abuse. It is something you learn when working with DV victims. People think DV is one thing, it is not. Most DV cases include some form of financial abuse. Cutting a spouse off from finances and isolating them at home, are major control tactics. No one said she has to have access or the ability to spend every dollar. He won't do marriage counseling and odds are he won't "allow" her to work. Even if she were to go out and get a job, he has a history of controlling the finances. He would likely punish her by refusing to cover child care, not allowing her finances to get work clothes, gas money, etc. That is assuming that she would 1) be allowed and 2) be given access to her own paychecks. A lot of times control seeps in slowly over time. We call it the boiling frog. If they were that way at the beginning you would run. Instead they slowly exert control and isolate you and acclimate you to your new "normal" which is what the hosts even stated here. They interview before allowing them on the show and then they edit what is published on the radio show, and here on YT. Just because you do not recognize it as control and abuse, especially with zero experience or education, doesn't make it so.
@1:11:20 Sneaky F Bomb!
What if Angela is a spend thrift and can’t be trusted with money? Having your household on a budget isn’t abuse but they need some mediation. It’s possible he has a 0 sum budget or maybe she just spends every dime she gets.
1:10 stop pooping. That would solve the problem!
LOL. Or buy her a composting/incinerating toilet. Much cheaper than $10k. Or a port-a-potty. I really wish them all the best though. The caller has a good heart.