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I say we book Dave Ramsey as a speaker for all future programs!

Ami Kozak

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47,079 Aufrufe • vor 3 Monaten •via X (Twitter)

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Caller: I’m getting married. She has $3 million. I have $45 million. Should we get a prenup? Dave Ramsey: Yes. Caller: She wants us to build wealth together. She suggested moving 5% of my assets into joint ownership every year. Dave Ramsey: There’s no reason to do that. Caller: Then what’s fair? Dave Ramsey: You both leave with what you brought into the marriage. Then agree on how future growth gets shared. Caller: So we build together without giving away the original assets? Dave Ramsey: Exactly. A prenup should protect both of you, not turn your marriage into a roommate agreement

Caller: I’m getting married. She has $3 million. I have $45 million. Should we get a prenup? Dave Ramsey: Yes. Caller: She wants us to build wealth together. She suggested moving 5% of my assets into joint ownership every year. Dave Ramsey: There’s no reason to do that. Caller: Then what’s fair? Dave Ramsey: You both leave with what you brought into the marriage. Then agree on how future growth gets shared. Caller: So we build together without giving away the original assets? Dave Ramsey: Exactly. A prenup should protect both of you, not turn your marriage into a roommate agreement

hi.

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🔊 ... Dave Ramsey vs Millennials ... This guy commenting on Dave Ramsey's "advice" is hilarious. Boomer advice from Dave Ramsey does not seem at all welcome by the Millennial crowd. Is Dave Ramsey just obsolete at this point? His generation just doesn't understand the differences between then and now? Or is Dave Ramsey still relevant?

🔊 ... Dave Ramsey vs Millennials ... This guy commenting on Dave Ramsey's "advice" is hilarious. Boomer advice from Dave Ramsey does not seem at all welcome by the Millennial crowd. Is Dave Ramsey just obsolete at this point? His generation just doesn't understand the differences between then and now? Or is Dave Ramsey still relevant?

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Danger Dave ⚡️ Book tickets for all shows

Danger Dave ⚡️ Book tickets for all shows

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Caller: I am 61, I have zero retirement savings and only a $1,000 emergency fund. I am currently in Baby Step 2 trying to pay off debt, but my company offers a 4% 401k match. Given my age and lack of savings, should I pause the debt payoff to take advantage of the company match? Dave Ramsey: So you're 61 and have no money. Caller: None. Dave Ramsey: What do you make? Caller: I bring home roughly $67,000. Dave Ramsey: What is your debt? Caller: A little over $69,000. Dave Ramsey: On what? Caller: Student loan $11,000, I have a car loan of $18,000, I have a personal loan of $12,000, and then another personal loan of $26,000 on a tractor. Dave Ramsey: Why do you have a tractor? Caller: Well, we're country folks and... Dave Ramsey: Oh, "we." Where's your husband? Caller: My husband is 75, he's drawing Social Security, he is basically disabled. I guess you could say he has COPD and emphysema, he's had three back surgeries. Dave Ramsey: So he don't need to be on a tractor. Caller: No, I use the tractor. Dave Ramsey: Not anymore. Broke people don't have $26,000 tractors. Caller: Well, I have tried everything I can to try and sell this thing, other than just letting it go back and letting them sell it for whatever they can sell it for and paying the difference. Dave Ramsey: No, you haven't. Tractors are selling right now. What's, what kind of tractor is this? Caller: It's a Kubota... Dave Ramsey: That tractor will sell. Dave Ramsey: I would go to the credit union and borrow the $5,000 worth of difference and get this tractor sold, and you need to sell your car too. You guys are in emergency mode, girl. Caller: Well, this was two years ago before I discovered this past March. Dave Ramsey: Okay. What is your land worth? What's your land worth? Caller: Probably about three or four thousand. Dave Ramsey: Your land is worth $3,000? Caller: Yeah, we bought it back in '92. Dave Ramsey: You have a $26,000 tractor for a $4,000 piece of land. Caller: Well, we hunt and I use it to clear deer leases and our hunting area and food plots. Yeah, I told you I was a country girl. Dave Ramsey: Yeah, and you're starting to look up and go, "I need something to eat other than Social In-Security when I get to 66 or 67." So, yeah, if I'm in your mode, I am so scared, I'm going crazy, and I'm selling tractor, I'm selling car, I'm going to get a $2,000 car, I'm going to work like a crazy person.

Caller: I am 61, I have zero retirement savings and only a $1,000 emergency fund. I am currently in Baby Step 2 trying to pay off debt, but my company offers a 4% 401k match. Given my age and lack of savings, should I pause the debt payoff to take advantage of the company match? Dave Ramsey: So you're 61 and have no money. Caller: None. Dave Ramsey: What do you make? Caller: I bring home roughly $67,000. Dave Ramsey: What is your debt? Caller: A little over $69,000. Dave Ramsey: On what? Caller: Student loan $11,000, I have a car loan of $18,000, I have a personal loan of $12,000, and then another personal loan of $26,000 on a tractor. Dave Ramsey: Why do you have a tractor? Caller: Well, we're country folks and... Dave Ramsey: Oh, "we." Where's your husband? Caller: My husband is 75, he's drawing Social Security, he is basically disabled. I guess you could say he has COPD and emphysema, he's had three back surgeries. Dave Ramsey: So he don't need to be on a tractor. Caller: No, I use the tractor. Dave Ramsey: Not anymore. Broke people don't have $26,000 tractors. Caller: Well, I have tried everything I can to try and sell this thing, other than just letting it go back and letting them sell it for whatever they can sell it for and paying the difference. Dave Ramsey: No, you haven't. Tractors are selling right now. What's, what kind of tractor is this? Caller: It's a Kubota... Dave Ramsey: That tractor will sell. Dave Ramsey: I would go to the credit union and borrow the $5,000 worth of difference and get this tractor sold, and you need to sell your car too. You guys are in emergency mode, girl. Caller: Well, this was two years ago before I discovered this past March. Dave Ramsey: Okay. What is your land worth? What's your land worth? Caller: Probably about three or four thousand. Dave Ramsey: Your land is worth $3,000? Caller: Yeah, we bought it back in '92. Dave Ramsey: You have a $26,000 tractor for a $4,000 piece of land. Caller: Well, we hunt and I use it to clear deer leases and our hunting area and food plots. Yeah, I told you I was a country girl. Dave Ramsey: Yeah, and you're starting to look up and go, "I need something to eat other than Social In-Security when I get to 66 or 67." So, yeah, if I'm in your mode, I am so scared, I'm going crazy, and I'm selling tractor, I'm selling car, I'm going to get a $2,000 car, I'm going to work like a crazy person.

Traeyz ♠️

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Caller: I won $22 million in the lottery. Dave Ramsey: Who knows about it? Caller: My wife and one sibling. That's it. Dave Ramsey: Not even your kids? Caller: No. I don't want them growing up as waiters. Dave Ramsey: Waiters? Caller: Waiting for me to die so they can inherit the money. I want them to build something of their own first. Figure out who they are. Find their purpose. Create their own success. Dave Ramsey: So you'll tell them eventually? Caller: Absolutely. Just not yet. I'd rather they know how to earn money before they know how much money I have. Dave Ramsey: That's wisdom. A sudden fortune can change a family. Sometimes protecting your children means protecting them from the money itself.

Caller: I won $22 million in the lottery. Dave Ramsey: Who knows about it? Caller: My wife and one sibling. That's it. Dave Ramsey: Not even your kids? Caller: No. I don't want them growing up as waiters. Dave Ramsey: Waiters? Caller: Waiting for me to die so they can inherit the money. I want them to build something of their own first. Figure out who they are. Find their purpose. Create their own success. Dave Ramsey: So you'll tell them eventually? Caller: Absolutely. Just not yet. I'd rather they know how to earn money before they know how much money I have. Dave Ramsey: That's wisdom. A sudden fortune can change a family. Sometimes protecting your children means protecting them from the money itself.

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Dave Ramsey says “Bitcoin is dumber than crap.” WE ARE EARLY!!

Dave Ramsey says “Bitcoin is dumber than crap.” WE ARE EARLY!!

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Dave Ramsey describes a pivotal moment in his life when he went bankrupt and was ultimately led to God. Dave Ramsey

Dave Ramsey describes a pivotal moment in his life when he went bankrupt and was ultimately led to God. Dave Ramsey

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Caller: I have a gambling addiction. I haven’t filed taxes in five years. About five years ago, I had $200,000 in gambling winnings. After that, I haven’t filed anything. Dave Ramsey: Do you still have a career? Caller: I'm retired. Dave Ramsey: Okay. Do you have any money? Anything? Caller: I've got almost $10,000 in my savings account. Dave Ramsey: But you don't have a nest egg other than your pension. Caller: No. Dave Ramsey: Do you own a home? Caller: Yes. About $13,000 is remaining on the mortgage. Dave Ramsey: What is it worth? Caller: About $300,000. Dave Ramsey: And how much is your pension income? Caller: $95,000 a year. Dave Ramsey: That's good. Are you married? Caller: No. Dave Ramsey: Have you done something about the gambling addiction itself? Have you quit gambling? Caller: I have not. Dave Ramsey: Okay. So whatever we do is going to be a temporary fix because that is going to cause further problems. Agreed? Caller: Yes, absolutely. Dave Ramsey: What kind of gambling are you doing? Caller: Slot machines. Dave Ramsey: Are you lonely? Caller: Yeah. I've been single for quite a while. Dave Ramsey: How old are you? Caller: 61. Dave Ramsey: From working with people addicted to anything, I know that 100% of addicts eventually have financial problems. The addiction consumes every department of your life, including your financials. I can help you with the money parts of it, but it is a temporary fix until you deal with this. It's not bringing you joy. If you were my buddy sitting down over a cup of coffee, here is what I would tell you to do: Step 1: Get in touch with the Gamblers Anonymous folks in your area. Step 2: Find a good local church and start developing a personal relationship with a pastor who can walk with you. Step 3: Find a one-on-one professional counselor to help dig into what is really going on so you can get to the other side of this.

Caller: I have a gambling addiction. I haven’t filed taxes in five years. About five years ago, I had $200,000 in gambling winnings. After that, I haven’t filed anything. Dave Ramsey: Do you still have a career? Caller: I'm retired. Dave Ramsey: Okay. Do you have any money? Anything? Caller: I've got almost $10,000 in my savings account. Dave Ramsey: But you don't have a nest egg other than your pension. Caller: No. Dave Ramsey: Do you own a home? Caller: Yes. About $13,000 is remaining on the mortgage. Dave Ramsey: What is it worth? Caller: About $300,000. Dave Ramsey: And how much is your pension income? Caller: $95,000 a year. Dave Ramsey: That's good. Are you married? Caller: No. Dave Ramsey: Have you done something about the gambling addiction itself? Have you quit gambling? Caller: I have not. Dave Ramsey: Okay. So whatever we do is going to be a temporary fix because that is going to cause further problems. Agreed? Caller: Yes, absolutely. Dave Ramsey: What kind of gambling are you doing? Caller: Slot machines. Dave Ramsey: Are you lonely? Caller: Yeah. I've been single for quite a while. Dave Ramsey: How old are you? Caller: 61. Dave Ramsey: From working with people addicted to anything, I know that 100% of addicts eventually have financial problems. The addiction consumes every department of your life, including your financials. I can help you with the money parts of it, but it is a temporary fix until you deal with this. It's not bringing you joy. If you were my buddy sitting down over a cup of coffee, here is what I would tell you to do: Step 1: Get in touch with the Gamblers Anonymous folks in your area. Step 2: Find a good local church and start developing a personal relationship with a pastor who can walk with you. Step 3: Find a one-on-one professional counselor to help dig into what is really going on so you can get to the other side of this.

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Dave Ramsey said he gets angry when people say the rich pay no taxes because, in his words, he’s rich and pays a lot of taxes. Hala Taha: I find myself, you know, thinking about taxes and making these decisions... Dave Ramsey: Oh, me too. Hala Taha: ...all the time. Dave Ramsey: I hate them. I get really angry at that time of year. It's really hard for me, I hate it. But I've never been able to... you know, this idea, it always makes me angry too when people say, "Oh, the rich pay no taxes." Well, I'm pretty rich, and I pay a lot of taxes, so I don't know who those people are. I haven't been able to get out of it.

Dave Ramsey said he gets angry when people say the rich pay no taxes because, in his words, he’s rich and pays a lot of taxes. Hala Taha: I find myself, you know, thinking about taxes and making these decisions... Dave Ramsey: Oh, me too. Hala Taha: ...all the time. Dave Ramsey: I hate them. I get really angry at that time of year. It's really hard for me, I hate it. But I've never been able to... you know, this idea, it always makes me angry too when people say, "Oh, the rich pay no taxes." Well, I'm pretty rich, and I pay a lot of taxes, so I don't know who those people are. I haven't been able to get out of it.

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I'm 24yrs old, makes $320,000 a month and drive a Rolls-Royce Ghost. Caller: I'm paying $3,200 a month for my Rolls-Royce Ghost lease. Dave Ramsey: What do you make? Caller: About $320,000 a month. Dave Ramsey: A month? Caller: Yeah. I own a digital marketing company. Dave Ramsey: You're making almost $4 million a year at 24 years old? Caller: Yes. Dave Ramsey: Then quit worrying about the lease. If you want the car, buy the car. The bigger issue isn't the Rolls-Royce. It's believing you'll make this kind of money forever. Caller: What do you mean? Dave Ramsey: Digital businesses change fast. What's working today might not be working two years from now. Bank a lot of this money. Invest a lot of this money. Because I don't want you looking back at 24 as the good old days. Caller: Fair enough. Dave Ramsey: Enjoy the success. Just don't spend like it's guaranteed to last forever.

I'm 24yrs old, makes $320,000 a month and drive a Rolls-Royce Ghost. Caller: I'm paying $3,200 a month for my Rolls-Royce Ghost lease. Dave Ramsey: What do you make? Caller: About $320,000 a month. Dave Ramsey: A month? Caller: Yeah. I own a digital marketing company. Dave Ramsey: You're making almost $4 million a year at 24 years old? Caller: Yes. Dave Ramsey: Then quit worrying about the lease. If you want the car, buy the car. The bigger issue isn't the Rolls-Royce. It's believing you'll make this kind of money forever. Caller: What do you mean? Dave Ramsey: Digital businesses change fast. What's working today might not be working two years from now. Bank a lot of this money. Invest a lot of this money. Because I don't want you looking back at 24 as the good old days. Caller: Fair enough. Dave Ramsey: Enjoy the success. Just don't spend like it's guaranteed to last forever.

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i’ll speak for everyone when i say we are due for a Future track like this

i’ll speak for everyone when i say we are due for a Future track like this

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Dave Ramsey was shocked after a caller told him he had over $670,000 in student loan debts. Caller: “My wife and I both have a substantial amount of student loans well over $600,000. We’re both Physicians” Dave Ramsey: “$600K? I hope you’re freaking brain surgeons” Caller: “I study medicine, she psychiatry” Dave Ramsey: “Oh my Lord, you’re kidding. These are not high paying fields”

Dave Ramsey was shocked after a caller told him he had over $670,000 in student loan debts. Caller: “My wife and I both have a substantial amount of student loans well over $600,000. We’re both Physicians” Dave Ramsey: “$600K? I hope you’re freaking brain surgeons” Caller: “I study medicine, she psychiatry” Dave Ramsey: “Oh my Lord, you’re kidding. These are not high paying fields”

Percy

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Caller: “My daughters just graduated college. We used student loans to get them through. We’ve got about $180K left on our mortgage, and I’ve got a brokerage account with about $200K in it. My wife and I are thinking… should we just cash it out, clear the $125K student loans, and put the rest toward the mortgage?” Dave Ramsey: “How much student loan debt are we talking?” Caller: “About $125K total, between two kids.” Dave Ramsey: “And you’ve got $200K sitting in the brokerage account?” Caller: “Yes.” Dave Ramsey: “Yeah… I’d liquidate that today.” Dave Ramsey: “You don’t have $200K invested while carrying $125K in debt. That doesn’t make sense.” Caller: “So you’d pay it all off?” Dave Ramsey: “Absolutely. You’d be debt-free except the house.” Dave Ramsey: “Then you rebuild properly. Emergency fund first, then attack the mortgage. But you don’t keep borrowing money at one rate while trying to invest at another. That spread you think you’re making… it’s not worth the risk.”

Caller: “My daughters just graduated college. We used student loans to get them through. We’ve got about $180K left on our mortgage, and I’ve got a brokerage account with about $200K in it. My wife and I are thinking… should we just cash it out, clear the $125K student loans, and put the rest toward the mortgage?” Dave Ramsey: “How much student loan debt are we talking?” Caller: “About $125K total, between two kids.” Dave Ramsey: “And you’ve got $200K sitting in the brokerage account?” Caller: “Yes.” Dave Ramsey: “Yeah… I’d liquidate that today.” Dave Ramsey: “You don’t have $200K invested while carrying $125K in debt. That doesn’t make sense.” Caller: “So you’d pay it all off?” Dave Ramsey: “Absolutely. You’d be debt-free except the house.” Dave Ramsey: “Then you rebuild properly. Emergency fund first, then attack the mortgage. But you don’t keep borrowing money at one rate while trying to invest at another. That spread you think you’re making… it’s not worth the risk.”

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$26,000 in debt… from Pokémon cards. 😳 On The Dave Ramsey Show, a caller revealed his pregnant wife is filing for divorce after he racked up $26,000 in credit card debt. 🎥: Dave Ramsey

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🎵say there’s no future for us as a pair and though I may know, I don’t care

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This woman inherited $1.6 million after her boyfriend passed away. Four years later, her fiancé says she needs to stop giving money to his family. Caller: “When he passed away, I inherited all of his assets. Every year, I give each of his nieces and nephews $1,000 for educational experiences.” Caller: “My new fiancé doesn’t think it’s appropriate for me to continue.” Dave Ramsey: “How much did you inherit?” Caller: “About $1.6 million.” Dave Ramsey: “And how much do you give the children?” Caller: “$1,000 a year each.” Dave Ramsey: “Why is this inappropriate?” Caller: “He feels it’s not appropriate for me to prioritize my late partner’s family over his.” George Kamel: “I don’t think it’s about fairness. I think he doesn’t like the emotional attachment.” Dave Ramsey: “If this was a boyfriend you broke up with, I’d probably agree with him.” Dave Ramsey: “But he died. It’s kind of an immature approach.”

This woman inherited $1.6 million after her boyfriend passed away. Four years later, her fiancé says she needs to stop giving money to his family. Caller: “When he passed away, I inherited all of his assets. Every year, I give each of his nieces and nephews $1,000 for educational experiences.” Caller: “My new fiancé doesn’t think it’s appropriate for me to continue.” Dave Ramsey: “How much did you inherit?” Caller: “About $1.6 million.” Dave Ramsey: “And how much do you give the children?” Caller: “$1,000 a year each.” Dave Ramsey: “Why is this inappropriate?” Caller: “He feels it’s not appropriate for me to prioritize my late partner’s family over his.” George Kamel: “I don’t think it’s about fairness. I think he doesn’t like the emotional attachment.” Dave Ramsey: “If this was a boyfriend you broke up with, I’d probably agree with him.” Dave Ramsey: “But he died. It’s kind of an immature approach.”

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Dave Ramsey gives tough advice to a 32-year-old with $451,000 in debt after he admits he made financial decisions just to please his parents. Dave Ramsey: “What do you do for a living” Caller: “Law enforcement” Dave Ramsey: “How do you get $252,000 in student loan debt to be a policeman”. Caller: “I went to private institution to study finance because my mother wanted me to go there and I didn’t do good at finance so I switched” “I also got a $185,000 house after my father passed because it’s the last thing we talked about and I wanted to do it to honor him”

Dave Ramsey gives tough advice to a 32-year-old with $451,000 in debt after he admits he made financial decisions just to please his parents. Dave Ramsey: “What do you do for a living” Caller: “Law enforcement” Dave Ramsey: “How do you get $252,000 in student loan debt to be a policeman”. Caller: “I went to private institution to study finance because my mother wanted me to go there and I didn’t do good at finance so I switched” “I also got a $185,000 house after my father passed because it’s the last thing we talked about and I wanted to do it to honor him”

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