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Matthew McConaughey says his parents were wild, lustful and complete outlaws. Howard Stern: “It seemed like a wild family. Your mom was a kindergarten teacher?” Matthew McConaughey: “Right. A teacher.” Howard Stern: “And she lived to what?” Matthew McConaughey: “She’s still alive. She just celebrated her 85th birthday.” Howard Stern: Yeah. “And your parents lived this lustful life” Matthew McConaughey: “They divorced twice, married three times, and were together for 39 years. Unbelievable. They were wild.” Howard Stern: “Even your dad always said, ‘I’m going to go out probably banging your mom.’” Matthew McConaughey: “He said, ‘Boys, when I go, I’m going to be making love to your mother.’ And he did. Called his shot. It happened at 6:30 a.m. on a Monday morning.” Howard Stern: “Then your mom said, “I want my man to be carried out of here nude because I want them to see the gift that was Jim McConaughey.” I mean… he must’ve had a big cock, right?” Matthew McConaughey: “Yeah. The paramedics are covering him up, all the neighbors are out in the street, and they’re taking him out through the garage. You know, the sensible thing to do at 7 a.m. is cover him. My mom’s out there, half-naked, ripping the sheet off him, yelling, ‘Get that sheet off of him! You’re going to see how big Jim went out!’ “They were badasses and complete outlaws.”
1:21

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Caller: “My mother is 85 years old and she owes debts on her credit card worth $45,000 Who is liable for her unpaid credit card debt?” Dave Ramsey: “Only she is” Jade Warshaw: “unless you’re a co-signer.” Caller: “She accumulated the $45,000 across five different credit cards. I only found out after my father passed away in July while going through his paperwork.” Dave Ramsey: “Does she have any income besides Social Security?” Caller: “No, just Social Security. She’s already received three letters from debt collectors, and one of them has gone further, they sued her, and the case is now in court over the balance.” Dave Ramsey: “Does she own a home?” Caller: “No. The home was transferred out of her name in 2006.” Dave Ramsey: “And she ran up the credit card debt after that, Does she have any other assets? Does she own any vehicles?” Caller: “yes. She doesn’t own anything, not even a car. She’s never driven.” Dave Ramsey: “Who issued the cards?” Caller: “She has an American Express card, a Citi Mastercard, and a Citi Visa.” Dave Ramsey: “So American Express and Citi issued credit cards to an 85 year old widow with no income other than Social Security?” Caller: “Yes. They approved her for the cards at high interest rates even though Social Security is her only income. I haven’t even tried reaching out to the credit card companies.” Dave Ramsey: “I wouldn’t worry about that. She doesn’t have any money to give them anyway.” “I would explain to her that if she ever borrows money again, knowing she has no ability to repay it, that would be stealing. She has to stop borrowing not just for financial reasons, but on a moral basis.” “If someone dies with no assets, their debts generally go unpaid they aren’t passed on to family members. If there are assets, they’re used to pay debts before any inheritance is distributed. Since she owns nothing and her only income is Social Security, there’s nothing for creditors to collect, and Social Security benefits generally can’t be garnished. In her situation, she’s considered judgment-proof.” “I’m under no moral obligation to these companies. They chose to lend money to an 85 year old widow whose only income is Social Security. They took that risk so they are getting nothing”

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705,712 次观看 • 15 天前

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Caller: “I'm 26 and a nurse. I've been with my boyfriend for 6 years. I graduated from school in 2023 with $167,000 in student loans. I've paid off a lot and have about $90,000 left. My boyfriend makes $250,000 a year, but he doesn’t want to propose until I’m completely debt-free.” Dave Ramsey: “Interesting. You’re not going to like me if you were my daughter.” Caller: “Why?” Dave Ramsey: “You want to know what I would tell you?” Caller: “What?” Dave Ramsey: “Dump him.” Caller: “Yeah? I mean, he’s a great guy.” Dave Ramsey: “No, he’s not. No, he’s not. No, he’s not. He’s making you prove your worth based on money. To him, you’re having to buy your way into this relationship. Nope. You’re a princess, and you deserve more than this.” Caller: “The reason I’ve been able to put the majority of my paycheck toward my loans is because he pays all of our rent.” Dave Ramsey: “Oh, so you live together?” Caller: “Yeah, we live together.” Dave Ramsey: “Oh, so you’re already married you just didn’t admit it.” Caller: “Yeah, it doesn’t seem like we’re married.” Dave Ramsey: “Well… yeah. Gosh. So what’s his incentive to get married? None. Jade Warshaw: “Living together before marriage is a bum idea. It’s not a good idea because what happens is you start making bad relationship decisions based on financial gain and the pressure you’ve already put on yourselves.” “It’s a lot easier to walk away from a messed-up relationship when he lives over there and she lives over here, and you just get together when it’s time to go on dates. It’s a lot easier to say, ‘You know what? This guy’s a bum. I’m going to walk away.’” “It becomes much more difficult when you’re living in the same house, splitting responsibilities, and he’s paying the rent. That makes it very hard to make the natural transitions you would have made if you hadn’t put that kind of pressure on the relationship.” Dave Ramsey: “You have a fabulous career as a nurse. You’ll always be employed, and you can work as much or as little as you want. You can work 80 hours a week or 20 hours a week. You’ll be able to do that for the rest of your life, and you can make a pile of money.” “All we tell couples to do is be aligned. Be in agreement about how money is going to be handled.” “Now, he’s in agreement that he hates debt. You’re in agreement that you hate debt, and you’ve been working hard to pay it down. But then he put up a false barrier here.I’m just telling you I love you, and if you were my daughter, I’d tell you not to marry this guy because I think this is a false premise.” “You’re aligned on what’s important. You’re aligned on saying, ‘We don’t like debt. We’re going to avoid debt, and we’re going to get out of debt.’” “If one of you has zero debt, but one person loves debt and hates saving while the other loves saving and hates debt, you’re going to get divorced later.” “The number one cause of divorce in North America today is money fights and money problems, This is a money fight, you’re just not having it out loud. You’re having it in your head.” Jade Warshaw: “It seemed like he was willing to help with the debt. We aren’t married yet, but it felt like he was trying to help, He was helping in the wrong way. That’s the only thing that makes me think he might simply be misguided. He said, ‘I’ll pay the rent.’” Dave Ramsey: “you can go to a marriage counselor and say Let’s get aligned on this, or we’re going to end this, But if at the end of the day, the answer is, ‘I won’t marry you until you pay off your debt Well, then the question has been answered. “You value that more than you value me, See you later, alligator.”

𝓢𝓵𝓪𝓶 👁️⃤

406,434 次观看 • 15 天前

Caleb Hammer has officially seen it all. This LGBT guest is $415,000 in debt… and is still paying for Sniffies and glory holes. Guest: “My best friend told me I had to be here” Caleb Hammer: “what does she say you should do here?” Guest: “Budget” Caleb Hammer: “$277,000 is your mortgage but your total debt is $415,729, your mortgage is just half of it that’s crazy !” Guest: “I get overwhelmed, I’m really good at solving other peoples problems” Caleb: “Go to therapy” Guest: “I don’t” Caleb Hammer: “sniffies, you paid for sniffies?” “If you go to that website, it’s the craziest thing you’ll ever see. It’s basically a map full of schlongs and booty holes. You just pick one, show up, and that’s it. It’s like a buffet. And you’re paying for it. There are even locations where it’s like, ‘Go to this bathroom,’ and you can cum. It’s crazy. And you’re paying for it.?” Guest: “I do, so I can hide from people. Like, you can go into hidden mode if you want.” Caleb Hammer: “This is a fast track to STDs” Guest: “I do prep and doxy” Caleb Hammer: if you keep hitting yourself with that you’re gonna get resistant “This app is just people stroking and posting booty holes saying come through, like if you wanna traumatize yourself just go there” Guest: “I love paying subscription it’s natural you call it trauma I call it an opportunity, I’m sorry” Caleb: “I’m sorry for your body”
4:08

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Caleb Hammer has officially seen it all. This LGBT guest is $415,000 in debt… and is still paying for Sniffies and glory holes. Guest: “My best friend told me I had to be here” Caleb Hammer: “what does she say you should do here?” Guest: “Budget” Caleb Hammer: “$277,000 is your mortgage but your total debt is $415,729, your mortgage is just half of it that’s crazy !” Guest: “I get overwhelmed, I’m really good at solving other peoples problems” Caleb: “Go to therapy” Guest: “I don’t” Caleb Hammer: “sniffies, you paid for sniffies?” “If you go to that website, it’s the craziest thing you’ll ever see. It’s basically a map full of schlongs and booty holes. You just pick one, show up, and that’s it. It’s like a buffet. And you’re paying for it. There are even locations where it’s like, ‘Go to this bathroom,’ and you can cum. It’s crazy. And you’re paying for it.?” Guest: “I do, so I can hide from people. Like, you can go into hidden mode if you want.” Caleb Hammer: “This is a fast track to STDs” Guest: “I do prep and doxy” Caleb Hammer: if you keep hitting yourself with that you’re gonna get resistant “This app is just people stroking and posting booty holes saying come through, like if you wanna traumatize yourself just go there” Guest: “I love paying subscription it’s natural you call it trauma I call it an opportunity, I’m sorry” Caleb: “I’m sorry for your body”

𝓢𝓵𝓪𝓶 👁️⃤

147,042 次观看 • 7 天前

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Caller : “I am 65 years old and have made poor financial decisions throughout my life. I have no substantial savings my wife has about $10,000 in her 401k, and I have a couple thousand, I have two credit cards, a car loan, and a mortgage. Total debt, including the mortgage, is $137,000. Dave Ramsey: “Whats the mortgage detail?” Caller: “The mortgage is a 15-year fixed rate, set up for half a payment every two weeks, which means in a year I've made 13 payments instead of 12. Since we have no retirement plans, I'm trying to determine the best way to proceed to eliminate all debt.” Dave Ramsey: “What's the balance on your mortgage?” Caller: “115,000” Dave Ramsey: “how long into the 15 year?” Caller: “8months” Dave Ramsey: “Okay. So, it's brand new mortgage Well, doing a bi-weekly, you'll reduce the 15 to about 11 just on the bi-weekly thing that you're doing that that has the same effect of paying an extra payment a year.” “You've got $22,000 in other debt are you guys still working? And what you make?” Caller: “yes sir, the two of us together make about $105,000, first time we surpassed $100,000” Dave Ramsey: “Good news. I would just leave the biweekly mortgage alone and let it run. Let’s work the Baby Steps. “Your $1,000 starter emergency fund is already there. Baby Step 2 is listing your debts from smallest to largest. You have $22,000 in non-mortgage debt, and you need to have that paid off in under a year.” Caller: “I can have all of my unsecured debt, excluding the mortgage and the car, paid off in three months.” Dave Ramsey: “At least $2,000 a month needs to go toward your debt, not counting the house. That’s $24,000 a year. With what you’ve shared, you can be completely out of non-mortgage debt within a year.” “You’ll have plenty of room in your budget, so I want you living on beans and rice, rice and beans for one year. By age 66, you’ll be debt-free except for the house, Then you’ll build an emergency fund with three to six months of expenses. After that, you’ll focus on paying off the house and building your retirement nest egg.” “By around age 72, you’ll probably have about $200,000 saved for retirement, your house will be paid off, and you’ll be completely debt-free. You’ll just need to keep working for a while cause your broke.” “As long as your health allows you to do that, it’s what we're going to do, work those baby steps exactly the way they're laid out.”

𝓢𝓵𝓪𝓶 👁️⃤

192,623 次观看 • 10 天前

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Caller: “I got married a few months ago, and a few weeks ago we found out my wife is pregnant. We have a bit of a debt problem. She has about $177,000 in student loan debt, and I was wondering how we should attack that.” Dave Ramsey: “Is she a doctor or a lawyer?” Caller: “I wish I could say either one, but she’s a freelance nanny. She actually never finished college.” Rachel: “Private school?” Caller: “It was a Division I state school.” Rachel: “So, out of state?” Caller: “Yeah, and this is a bad situation.” Dave Ramsey: “It is a dumb situation. Wow. How close did she come to finishing?” Caller: “She had a little bit left. It got to the point where we couldn’t afford to keep going.” Dave Ramsey: “What do you make?” Caller: “I make about $54,000 a year, and she makes about $36,000. I have about $35,470 in a mutual fund that basically mimics the S&P 500, and I also have just under $30,000 in a money market account.” Dave Ramsey: “How old are you guys?” Caller: “I’m 20, and she’s 23.” Dave Ramsey: “And you graduated from college as well?” Caller: “I’m about 65% through mine. I’m doing it online while serving in the Army.” Dave Ramsey: “Your $54,000 income is from your military service, and she makes $36,000 as a nanny. You have about $65,000 lying around between the money market and the mutual fund. I would continue to stack cash until the baby comes.” “When the baby arrives and everyone is healthy, I have some bad news: your wife is not going to be a stay-at-home mom. She’s going to be working. She signed up for $175,000 worth of debt, and she’s going to be working for a while, so we need to get used to that idea.” “When you have your first baby, there’s usually a tremendous desire to stay home with the child unless someone has a very strong professional calling. You guys need about $85,000. So let’s pretend you save another $10,000. That gives you $75,000 in cash.” “When the baby comes home healthy from the hospital, and mom is healthy and ready to return to work, you write a check for $75,000 and put it toward the student loan. Then you keep $1,000 in your account and attack the remaining $100,000 with a vengeance. Work extra, do everything you can, and sell everything in sight.” Rachel: “The good thing is that, because of what she does, she may be able to watch her own baby along with the children she cares for.”

𝓢𝓵𝓪𝓶 👁️⃤

313,143 次观看 • 19 天前

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Kevin Costner recounts the exact moment he knew he’d made it as a Hollywood star. Howard Stern: “How many years were there from when you, let’s say, graduated high school?” Kevin Costner: “Probably six or seven years. I was just knocking around, taking odd jobs, auditioning for things, and constantly getting rejected.” “People always ask, ‘What was your moment? What was your big break?’” “It’s really clear to me. I knew when I got the job in The Big Chill. Not what happened later, not getting cut out of the movie. I’m saying when I got the job. I was driving home on the freeway, and I knew it had happened for me.” Howard Stern: “It’s so funny because The Big Chill is the movie where you’re the guy who got cut out.” Kevin Costner: “But it had already happened for me, right? I was on the freeway, and I didn’t care anymore what happened after that. I knew I was in the right room, with the right guy, with the right people. I knew it was on. Not when the movie came out. I knew it was on the day I left the audition with the part.” Howard Stern: “That was the day you said to yourself, ‘I’m an actor.’” Kevin Costner: “That’s exactly right. Wally Niesita was the casting director, and she had such a force of will. She helped me with Lawrence Kasdan. But people only look at the obvious. If you want to ask when the moment was, it was really two moments. The moment I decided I wasn’t going to worry anymore about what people thought of me, and I wasn’t going to let my parents’ worries define my life. I didn’t care. They were going to catch up with my life. That was the first moment. The second was driving home after getting The Big Chill. Those were the two most important moments of my life.”

𝓢𝓵𝓪𝓶 👁️⃤

162,969 次观看 • 10 天前

Caleb hammer almost fainted after this guest said her husband was allegedly caught j3rking off to her 7-year-old sister. Caleb Hammer: “Do you not know what a girls’ trip is? How does that equal you being a P3dophile?” Caleb Hammer: “It sounds like she said it, like, once.” Male Guest: “No, she said it three times.” Caleb Hammer: “How do you get from that to, “Unless you’re a P3dophile?” Female Guest: “I see, because we had issues in the past.” Caleb Hammer: “What? What? No, no. Context, please. What issues would lead to that insinuation?” Female Guest: “My little sister spent the night one time, and he stayed in the living room. She walked out to grab a drink, and he was on the couch doing very inappropriate things. He proceeded to lie to me and my mom about it when she wanted to go home. So then he tied me saying it was weird into that past experience.” Caleb Hammer: “How old was she at the time?” Guest: “She was like seven, he didn’t know she was going to walk out. It wasn’t meant to be like that, but he then tied it back to that.” Caleb Hammer: “Guys, what the f***? No, no, no, no. A 7-year-old is in the house. Why are you in the living room doing… no. You don’t do that.” “if a kid is in the house, we don’t set up sexual exposure unless there is, like, an intent to be caught in some way.” Male Guest: “I was sleeping in the living room. They were sleeping in the living room.” Caleb Hammer: “You still go to the bathroom.” Female Guest: “That’s fair. I know, and that’s why I said it was just one night. She was only spending the night that one time.” Caleb Hammer: “What was he caught doing, specifically?” Female Guest: “j3rking off.” Caleb Hammer: “Just full out in the open?” Female Guest: “Yes” Male Guest: “No, I was under a blanket.” Caleb Hammer: “It doesn’t sound like it from what’s being said.” Female Guest: “She said that she saw everything.”
2:59

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Caleb hammer almost fainted after this guest said her husband was allegedly caught j3rking off to her 7-year-old sister. Caleb Hammer: “Do you not know what a girls’ trip is? How does that equal you being a P3dophile?” Caleb Hammer: “It sounds like she said it, like, once.” Male Guest: “No, she said it three times.” Caleb Hammer: “How do you get from that to, “Unless you’re a P3dophile?” Female Guest: “I see, because we had issues in the past.” Caleb Hammer: “What? What? No, no. Context, please. What issues would lead to that insinuation?” Female Guest: “My little sister spent the night one time, and he stayed in the living room. She walked out to grab a drink, and he was on the couch doing very inappropriate things. He proceeded to lie to me and my mom about it when she wanted to go home. So then he tied me saying it was weird into that past experience.” Caleb Hammer: “How old was she at the time?” Guest: “She was like seven, he didn’t know she was going to walk out. It wasn’t meant to be like that, but he then tied it back to that.” Caleb Hammer: “Guys, what the f***? No, no, no, no. A 7-year-old is in the house. Why are you in the living room doing… no. You don’t do that.” “if a kid is in the house, we don’t set up sexual exposure unless there is, like, an intent to be caught in some way.” Male Guest: “I was sleeping in the living room. They were sleeping in the living room.” Caleb Hammer: “You still go to the bathroom.” Female Guest: “That’s fair. I know, and that’s why I said it was just one night. She was only spending the night that one time.” Caleb Hammer: “What was he caught doing, specifically?” Female Guest: “j3rking off.” Caleb Hammer: “Just full out in the open?” Female Guest: “Yes” Male Guest: “No, I was under a blanket.” Caleb Hammer: “It doesn’t sound like it from what’s being said.” Female Guest: “She said that she saw everything.”

𝓢𝓵𝓪𝓶 👁️⃤

65,623 次观看 • 12 天前

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