_Chase๐
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Caller: โIโm 51 and i am tired of working, I have no retirement. What should i doโ? Dave: What do you make, and whatโs your debt? Caller: $75,000 a year. $25,000 left on my mortgage, and $20,000 on a Harley-Davidson. Dave: Sell the bike. Today. That paymentโs killing you. Any life insurance? Caller: Term life, $100 a month. No kids, no dependents though. Dave: Drop it! you donโt need it. Now download EveryDollar, budget every dollar, and find $2,000 a month to invest. Between the bike and the insurance, youโre most of the way there already. Caller: That still feels like a lot. Dave: Youโve got 10 years until 67. Invest consistently, your house gets paid off, and youโll be secure Dave says he can still be a millionaire, there is more time.
_Chase๐4,328,054 ๆฌก่ง็ โข 6 ๅคฉๅ
Caller: โIโm 26, about to get engaged, but my net worth is way higher than my girlfriendโs. Do I need a prenup?โ Dave Ramsey: โOkay, what does โdifferent net worthโ actually mean?โ Caller: โ$50K from my grandparents for a house, $50K in my truck, $165K across my 401K and accounts, $150K left in a college fundโฆ Sheโs finishing PA school with about $120K in debt.โ Dave Ramsey: โAnd what are you making a year?โ Caller: โAbout $120k/yr.โ Dave Ramsey: โYouโve got around $600K to your name at 26โฆ honestly? Thatโs not enough net worth to warrant a prenup. If youโre comfortable, skip it.โ $600K net worth at 26. Fiancรฉe in PA school with debt. Dave says skip the prenup
_Chase๐7,338,966 ๆฌก่ง็ โข 26 ๅคฉๅ
Caller: โMy husband and I make $80,000/year and we bought an $800,000 houseโ. โMy in-laws covered $300,000 of the down payment, but hereโs the catchโ: โWhen the house sells, my in-laws get their $300,000 back PLUS a cut of the profitsโ. Dave Ramsey: โWhat an abusive mess.โ โYou bought a house you canโt afford.โ โYou shouldnโt have done that.โ Caller: โi want to know how much financial input my in-laws should haveโฆโ Dave Ramsey: โThat ship has sailed, they own part of your life now. SELL THE HOUSEโ
_Chase๐2,473,801 ๆฌก่ง็ โข 22 ๅคฉๅ
Norman Powell describes guarding LeBron James in the playoffs as a completely different kind of nightmare. It wasnโt just his physical dominance. LeBron could call out the Raptorsโ plays as they were running them, anticipating cuts and exactly where the ball was going before it got there. Even crazier, heโd direct his own teammates on the floor in real time, adjusting their defense mid possession to counter Torontoโs offense. Powellโs takeaway: LeBron wasnโt just playing the game. He was coaching it live while playing it at an elite level. A different species, by his own admission
_Chase๐75,942 ๆฌก่ง็ โข 1 ๅคฉๅ
Caleb Hammer says โDave Ramseyโs $1,000 emergency fund is leaving people WORSE off than before they started savingโ. Most real emergencies cost more than $1k . Car breaks down. Medical bill. Lose your job. $1,000 is gone in one shot, and now youโre back in debt. Hereโs what actually works: โ Save 1 month of your full budget (not $1,000) โ Have kids? Make it 2 months. The risk is higher. โ The goal is simple: survive 30 days while you find new income A $1,000 โsafety netโ isnโt safety. Itโs a false sense of security. How much is in YOUR emergency fund right now?
_Chase๐709,648 ๆฌก่ง็ โข 16 ๅคฉๅ
Caller: Iโm 56 and honestly, Iโm scared. Iโm living paycheck to paycheck and I feel like retirement is right around the corner and I have nothing. Rachel: Okay, letโs get a clear picture. Walk me through your numbers. Caller: I have about $27,000 in my 401(k), my mortgage balance is $155,000, and I took out a $15,000 loan for a new roof. Rachel: Alright. And what are you bringing in each year? Caller: Around $66,000. Rachel: Okay, Beth, hereโs where we start. First, you need a $1,000 emergency fund set aside, thatโs your cushion so youโre not going back into debt every time something unexpected happens. Once thatโs done, every extra dollar goes toward that $15,000 roof loan. Thatโs Baby Step 2, and thatโs your entire focus right now.
_Chase๐657,147 ๆฌก่ง็ โข 19 ๅคฉๅ
Iman Shumpert just said what nobody wanted to admit He HATED LeBron James. Not naturally, he was trained to. Loyalty to Melo meant LeBron was the enemy. No questions asked. Then he became his teammate. And everything changed. โHe just made everything easier.โ The man he was built to hate turned out to be the greatest teammate he ever had. Funny how that works.
_Chase๐354,588 ๆฌก่ง็ โข 12 ๅคฉๅ
J.R. Smith says he spent over three decades not understanding why his brain worked the way it did. He describes seeing numbers backwards reading 63 as 36 and never having a name for it until he was 36 years old. The hosts point out what that really means: the school system had every chance to catch this and didnโt. He went years without support simply because no one identified it. โI didnโt understand why until I was 36โ
_Chase๐210,566 ๆฌก่ง็ โข 8 ๅคฉๅ
Kyrie Irving didn't leave Cleveland just because of "leadership issues", Iman Shumpert just gave the REAL reason and it changes everything ๐ฅ He wanted to prove he could win WITHOUT LeBron. Not be his sidekick. Not share the throne. BEAT him. This clip is going crazy for a reason ๐
_Chase๐225,565 ๆฌก่ง็ โข 15 ๅคฉๅ
Conor McGregor went from fixing pipes as a plumber to making $500 million selling whiskey. And according to DC on Club Shay Shay, thatโs exactly why heโll never be the same fighter. DC revealed on Club Shay Shay that Khabib GENUINELY hated Conor. Not fight weak beef. Real hate, after Conor disrespected his family and religion. Thatโs why the 2018 fight wasnโt even close. The money took the hunger. Khabib took the legacy. Whatโs left to fight for?
_Chase๐198,441 ๆฌก่ง็ โข 14 ๅคฉๅ
Caller: โMy wife and I are $43,000 upside down on our RV and weโre spending close to $1000 a month on it. How do we get out of thisโ? Caller:: โIโm in bad shape with an RV, Dave. I owe $63,000 on it, but itโs only worth about $18,000. Iโm paying $1000 a month for storage, insurance and the loan and Iโm not even using it. Dave: Whatโs your income? Michael: $130,000 household, but we just took on a mortgage and have almost no savings. Dave: Okay. Sell the RV, take whatever you can get, then go to the credit union and ask them to convert the remaining balance into an unsecured personal loan. You need to stop paying storage and insurance on something you donโt use
_Chase๐274,381 ๆฌก่ง็ โข 20 ๅคฉๅ
โTom Brady says he never felt like the GOAT, just someone who refused to waste an opportunity.โ Shaq: Tom, everybody calls you the GOAT. Seven rings, 23 years, still looked like you could play tomorrow. But when you look in the mirror, do you feel like the GOAT? Tom: Honestly? No. I never felt chosen. I just never wasted a moment. Every practice, every film session, every offseason, I treated it like it was the last one Iโd ever get. Shaq: See, thatโs what separates you. Because most guys get the opportunity. You actually did something with it. Tom: And I didnโt do it alone. Alex kept my body right for over two decades. Coach Belichick didnโt let me be comfortable ever. When you have people around you who refuse to let you settle, settling stops feeling like an option. Shaq: So itโs not just talent. Itโs the room you build around yourself. Tom: Exactly. The right room changes everything. Most people underestimate that.
_Chase๐151,304 ๆฌก่ง็ โข 15 ๅคฉๅ
Michael Jordan walked into the NBA 75th Anniversary room. The entire room went silent. These are the 75 greatest players to ever live and they still stopped what they were doing. Still sizing MJ up. Still nervous. Then Jordan and Magic got caught on camera going at it. Not joking. Dead serious. The obsession never turns off. Not even at a celebration. Thatโs why heโs different. Is he the Greatest Ever? MJ?!
_Chase๐102,944 ๆฌก่ง็ โข 13 ๅคฉๅ
J.R. Smith opens up about what it really meant when LeBron James vouched for him to join the Cavs. Not just as a player, as a person. He talks about how media narratives and past coaches had painted him a certain way, leaving him feeling misunderstood for years. LeBron, arguably the greatest player ever, choosing to stand behind his character meant more to him than any basketball endorsement ever could. โIt wasnโt even about the basketballโฆ it was him vouching for me as a personโ
_Chase๐54,678 ๆฌก่ง็ โข 8 ๅคฉๅ
โLeBron James is a 41-year-old kid with moneyโฆ and thatโs why heโs unstoppable.โ Iman Shumpert said Cleveland changed everything for him. Not the city, LeBron. Watching him see the game in slow motion while everyone else was just winging it with zero recovery plans, no real training systemsโฆ LeBron was playing chess before most guys even learned the board.
_Chase๐67,871 ๆฌก่ง็ โข 13 ๅคฉๅ
Shumpert said LeBron doesnโt watch film on players. He watches film on COACHES. He already knows your play before your team even breaks the huddle. 23 years in the league and heโs still doing this. โHe older than some peopleโs kidsโ Longevity The man is a cheat code
_Chase๐52,715 ๆฌก่ง็ โข 11 ๅคฉๅ
Magic Johnson just broke down the Draymond/Poole situation and it hit different. Draymond and Poole had the EXACT same story. Both doubted. Both late picks. Both had to earn everything. They shouldโve been each otherโs biggest weapon. Do you think the Warriors ever recovered?
_Chase๐62,287 ๆฌก่ง็ โข 15 ๅคฉๅ
Magic Johnson said something that should stop everyone in their tracks; LeBron James passing Kareem may be the last time we EVER see that record broken. 20 seasons. Still dominant. Still the most unguardable body in NBA history. But Magic said the real secret isnโt the size or the speed. Itโs the IQ. LeBron sees the game on a level nobody else does. Is LeBron the most complete player weโve ever seen?
_Chase๐54,675 ๆฌก่ง็ โข 15 ๅคฉๅ
Chad "Ochocinco" Johnson made $36M in the NFL. He saved 83% of it. Here's how he did it while his teammates were going broke โข Lived INSIDE Paul Brown Stadium for his first 2 years. No rent. No distractions. Just locked in. โข Wore FAKE jewelry. Said his brand (Ocho Cinco) was worth more than any chain. Why spend real money to impress people who don't pay your bills? โข Let his kids wear designer, but made sure they understood: we don't live beyond our means. The man was one of the most entertaining players in NFL history AND one of the smartest with his money. Flamboyant on the field. Frugal off it. That's the cheat code most athletes never figure out.
_Chase๐14,599 ๆฌก่ง็ โข 16 ๅคฉๅ
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