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Make una help me tag Dave, make e PMO.😭🙏🏾 Web3 must change my life too, ino wan Dey host till I clock 40🥲 Dave, na beg I Dey beg you, I’ve been messaging Dave since 2024. Dave please reply brotherly ❤️❤️

MasterDaBozz

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12,509 görüntüleme • 2 ay önce •via X (Twitter)

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I just receive this video from my younger sister… 💔 I decided to post am make Nigerians see with their own eyes and believe say my story na 100% truth. This no be story wey person dey cook… na real life matter 😢 As I watch the video again, my heart just dey tear. The condition I dey that time no be something I go even wish for my enemy. Omo, I really suffer… 😭💔 Nigerians abeg, make una help us. We need help seriously, especially financially. Things really hard for us right now 🙏 Most especially my mum… that woman don try, she don suffer too much for this life 😫 She deserve every good thing wey life fit offer. Abeg, make una help us… God go bless every helping hand 🙏💔 Please help me like and repost. ❤️ Sir Dickson Mr Bayo MrBanks💰

I just receive this video from my younger sister… 💔 I decided to post am make Nigerians see with their own eyes and believe say my story na 100% truth. This no be story wey person dey cook… na real life matter 😢 As I watch the video again, my heart just dey tear. The condition I dey that time no be something I go even wish for my enemy. Omo, I really suffer… 😭💔 Nigerians abeg, make una help us. We need help seriously, especially financially. Things really hard for us right now 🙏 Most especially my mum… that woman don try, she don suffer too much for this life 😫 She deserve every good thing wey life fit offer. Abeg, make una help us… God go bless every helping hand 🙏💔 Please help me like and repost. ❤️ Sir Dickson Mr Bayo MrBanks💰

TERRORIST SURVIVOR 💪🏽

110,741 görüntüleme • 5 ay önce

My people, U can already guess where your Area Fada dey? Olamide Baddo Bus Stop! Yes o, na the same bus stop wey una sabi since… now na Baddo get am. Street na street, e no get age limit, abi? I just dey inside car dey laugh yeye people wey wan show Fada power. The Emperor of Nigeria go soon rename everywhere. Next thing, dem go name airport after one DJ, then call National Assembly ‘Comedy Central’. Yeye dey smell. For me? I still go dey fresh, I still dey cruise, and I still no send anybody wey no like am. Life too short to dey vex for bus stop name change, when I never chop. Dia Father's.

My people, U can already guess where your Area Fada dey? Olamide Baddo Bus Stop! Yes o, na the same bus stop wey una sabi since… now na Baddo get am. Street na street, e no get age limit, abi? I just dey inside car dey laugh yeye people wey wan show Fada power. The Emperor of Nigeria go soon rename everywhere. Next thing, dem go name airport after one DJ, then call National Assembly ‘Comedy Central’. Yeye dey smell. For me? I still go dey fresh, I still dey cruise, and I still no send anybody wey no like am. Life too short to dey vex for bus stop name change, when I never chop. Dia Father's.

Charly Boy Area Fada 1

999,021 görüntüleme • 1 yıl önce

Dave Ramsey tells heartbroken mom to remove estranged daughter from her will Caller: My husband and I have two adult daughters. A year ago, because of the pandemic and our very different views on masking and social distancing, we had a heated conversation. She cut us out of her life completely. She changed her number, changed her email, and all cards and correspondence have been returned unopened. Dave Ramsey: I’m so sorry. Caller: We have a will. It’s basically 50/50 for our girls. But given where we’re are now, I don’t feel comfortable if I were to die tomorrow to leave that daughter money. Is it appropriate for me to change my will, or should I just leave it and move on? Dave Ramsey: It’s worse than a death because they’re still there. Caller: We haven’t been able to contact her. Everything just comes back marked “Return to Sender.” Dave Ramsey: All over a mask and social distancing, this is so sad. Caller: It is. Dave Ramsey: Fear is a sad, sad thing. The number of these stories out there is just staggering. As a mom, your heart must be completely broken. Caller: It is. Dave Ramsey: What you have to do for you is you have to change your will. Caller: Okay. Dave Ramsey: That’s you admitting what has happened. In the Jewish culture, you’ll hear them say, “You are dead to me.” Dead means the person is still alive, but there’s no longer any financial or relational interaction anymore. It is worse than a death.

Dave Ramsey tells heartbroken mom to remove estranged daughter from her will Caller: My husband and I have two adult daughters. A year ago, because of the pandemic and our very different views on masking and social distancing, we had a heated conversation. She cut us out of her life completely. She changed her number, changed her email, and all cards and correspondence have been returned unopened. Dave Ramsey: I’m so sorry. Caller: We have a will. It’s basically 50/50 for our girls. But given where we’re are now, I don’t feel comfortable if I were to die tomorrow to leave that daughter money. Is it appropriate for me to change my will, or should I just leave it and move on? Dave Ramsey: It’s worse than a death because they’re still there. Caller: We haven’t been able to contact her. Everything just comes back marked “Return to Sender.” Dave Ramsey: All over a mask and social distancing, this is so sad. Caller: It is. Dave Ramsey: Fear is a sad, sad thing. The number of these stories out there is just staggering. As a mom, your heart must be completely broken. Caller: It is. Dave Ramsey: What you have to do for you is you have to change your will. Caller: Okay. Dave Ramsey: That’s you admitting what has happened. In the Jewish culture, you’ll hear them say, “You are dead to me.” Dead means the person is still alive, but there’s no longer any financial or relational interaction anymore. It is worse than a death.

‏ً

283,196 görüntüleme • 29 gün önce

CALLER: Dave, I’m 45, engaged and worth almost $20 MILLION But my fiancée has no idea. DAVE RAMSEY: You’re engaged and she doesn’t know? CALLER: No. I’ve been hiding it. My last relationship went bad because of money, so I’m scared she’ll only want me for my wealth. DAVE RAMSEY: Then you made a mistake by waiting this long. You’re asking someone to marry you while keeping a $20 million secret. CALLER: So what do I do now? DAVE RAMSEY: Sit down face-to-face and tell her everything. Start with an apology. Tell her why you were afraid. Then show her the full picture. Marriage requires complete honesty. CALLER: Should I get a prenup? DAVE RAMSEY: In most cases, I’m not a fan of prenups. But when there’s a $20 million difference on the table, it’s different. A prenup isn’t about expecting divorce. It’s about making financial decisions while both people are thinking clearly instead of letting a judge make them later. The bigger risk isn’t the prenup. The bigger risk is trying to build a marriage on a secret.

CALLER: Dave, I’m 45, engaged and worth almost $20 MILLION But my fiancée has no idea. DAVE RAMSEY: You’re engaged and she doesn’t know? CALLER: No. I’ve been hiding it. My last relationship went bad because of money, so I’m scared she’ll only want me for my wealth. DAVE RAMSEY: Then you made a mistake by waiting this long. You’re asking someone to marry you while keeping a $20 million secret. CALLER: So what do I do now? DAVE RAMSEY: Sit down face-to-face and tell her everything. Start with an apology. Tell her why you were afraid. Then show her the full picture. Marriage requires complete honesty. CALLER: Should I get a prenup? DAVE RAMSEY: In most cases, I’m not a fan of prenups. But when there’s a $20 million difference on the table, it’s different. A prenup isn’t about expecting divorce. It’s about making financial decisions while both people are thinking clearly instead of letting a judge make them later. The bigger risk isn’t the prenup. The bigger risk is trying to build a marriage on a secret.

Tokyo

641,618 görüntüleme • 2 ay önce

Whether Davido gave me 5M or not, I’ve been his fan long before that. i changed my name to DavidoHeir before he even quoted me. This page was built on Davido stanship since 2024, so make una stop the “5M this, 5M that” talk. tire for una matter ohhhh. Abi no be human being Dey bear wizkid girlfriend?

Whether Davido gave me 5M or not, I’ve been his fan long before that. i changed my name to DavidoHeir before he even quoted me. This page was built on Davido stanship since 2024, so make una stop the “5M this, 5M that” talk. tire for una matter ohhhh. Abi no be human being Dey bear wizkid girlfriend?

DAVIDO-Heir✨

34,323 görüntüleme • 1 ay önce

Happy Sunday, guys. ❤️🙏🏽 That k!dnapping incident set me back seriously, like 10 steps backwards. 💔😓😰 This is what I do to survive now. I'm active in the market everyday, trying to rebuild my life little by little. To those wèrè people who think I don't hustle and assume I only come online to beg for money, una no go talk now. I dey work hard both online and offline to make ends meet. 💯🙏🏽

Happy Sunday, guys. ❤️🙏🏽 That k!dnapping incident set me back seriously, like 10 steps backwards. 💔😓😰 This is what I do to survive now. I'm active in the market everyday, trying to rebuild my life little by little. To those wèrè people who think I don't hustle and assume I only come online to beg for money, una no go talk now. I dey work hard both online and offline to make ends meet. 💯🙏🏽

TERRORIST SURVIVOR 💪🏽

19,186 görüntüleme • 1 ay önce

Una remember Oputa Panel Dat my papa show wey almost wan dey as popular like The CharlyBoy Show. I be Charly Boy Area fada I don see plenty useless film for this country Na the same cassette dem dey rewind Colonel open mouth Truth close eye Call Yoruba name Igbo Just to repaint fear Just to arrange enemy As if tribe be crime As if surname fit fire gun Na magic dem dey do Political jazz Change name Change story Change people destiny If coup loud Make e sound Igbo If wahala burst Point finger for one side So crowd no go ask who steal rice Who drain oil Who turn country to ATM Na old trick Divide so dem fit rule Confuse so dem fit chop Dem dey use uniform cover naked lies I don waka this road before From Kalakuta to court room From radio ban to prison wall Na the same script Different actors Same wicked director Today na Igbo Tomorrow na Yoruba Next tomorrow na poor man with sense Anybody wey ask question become suspect But hear me well Name no dey overthrow government Hunger fit Corruption fit Arrogance fit If dem fear tribe pass truth Then truth don near power Make una no fall for am Make una no dance to wrong drum Na we be Nigeria Not dem If dem change your name for their mouth No change your mind for their sake Area boys and area girls Open eye This film don old And the ending dey bloody Na Charly talk am I no dey whisper truth I shout am For street For mic For history Because one day This country go wake And ask Who really plan am And lie no go fit answer. Make una dey get ready for 999. E go shake una.

Una remember Oputa Panel Dat my papa show wey almost wan dey as popular like The CharlyBoy Show. I be Charly Boy Area fada I don see plenty useless film for this country Na the same cassette dem dey rewind Colonel open mouth Truth close eye Call Yoruba name Igbo Just to repaint fear Just to arrange enemy As if tribe be crime As if surname fit fire gun Na magic dem dey do Political jazz Change name Change story Change people destiny If coup loud Make e sound Igbo If wahala burst Point finger for one side So crowd no go ask who steal rice Who drain oil Who turn country to ATM Na old trick Divide so dem fit rule Confuse so dem fit chop Dem dey use uniform cover naked lies I don waka this road before From Kalakuta to court room From radio ban to prison wall Na the same script Different actors Same wicked director Today na Igbo Tomorrow na Yoruba Next tomorrow na poor man with sense Anybody wey ask question become suspect But hear me well Name no dey overthrow government Hunger fit Corruption fit Arrogance fit If dem fear tribe pass truth Then truth don near power Make una no fall for am Make una no dance to wrong drum Na we be Nigeria Not dem If dem change your name for their mouth No change your mind for their sake Area boys and area girls Open eye This film don old And the ending dey bloody Na Charly talk am I no dey whisper truth I shout am For street For mic For history Because one day This country go wake And ask Who really plan am And lie no go fit answer. Make una dey get ready for 999. E go shake una.

Charly Boy Area Fada 1

22,664 görüntüleme • 6 ay önce

Mummy please na… the mumu boy weh Nigerians dey drag small small e reach your turn only you wan finish am..💔😭😭 finish em mama and papa join😂😂 Ratels put your hands on your and repeat after me, I will not be a useless person, I will stop selling and sucking things, I will get a skill, I will use my brain, so help me God, Amen! . . #VDM #reactionvideo #Sowore #verydarkman #veryfunny

Mummy please na… the mumu boy weh Nigerians dey drag small small e reach your turn only you wan finish am..💔😭😭 finish em mama and papa join😂😂 Ratels put your hands on your and repeat after me, I will not be a useless person, I will stop selling and sucking things, I will get a skill, I will use my brain, so help me God, Amen! . . #VDM #reactionvideo #Sowore #verydarkman #veryfunny

Thaniel

18,985 görüntüleme • 4 ay önce

Caller: I'm $451,000 in total debt. $252,000 of that is student loans, and I have 185 in a home loan. I only bring in $70,000 a year. After pension and all that stuff taken out, it's more like $40,000. I just don't know where to start. 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 a private institution because my mother wanted me to go there. I went there originally for finance, didn't do good, so I switched my major to criminal justice, and then eventually went on for a master's as well, which didn't really help my employment eligibility as much as I thought it would. Dave Ramsey: Is your mother wealthy? Caller: No, neither my mother nor my father. I'm the first in my family to go to college. Dave Ramsey: Mathematically, we always look at the ratio of shovel to hole. The amount of hole you're in versus the shovel you have, your debt to your income. Are you married? Caller: No, I have a girlfriend who lives with me, and her daughter as well. Dave Ramsey: What is this house worth? Caller: I actually just purchased it off of a whim. My father passed away and it was the last conversation we had. It was across the street from his house, and he really wanted me to get it, so I jumped in with both feet to honor him. Dave Ramsey: So you didn't put anything down, so the house is worth $185,000? Caller: Yeah. Dave Ramsey: How old are you? Caller: I'm 31. Dave Ramsey: When are you planning on marrying this girl? Caller: She's currently in school to finish up for nurse practitioner. Sometime after that, hopefully after January. Dave Ramsey: Does she have student loan debt? Caller: She does. Dave Ramsey: How much? Caller: I'm not sure because she's not really on board with all this. I've tried to bring this up to her when listening to your show recently, and her thing is, "I'm too busy with school and don't want to worry about that right now." Dave Ramsey: I think you're the voice of experience that says it's a good idea to worry about it, otherwise you end up up a creek, which is where you are right now, and your paddle is real small. You told me in a five-minute conversation of two really stupid financial decisions you made from the influence of your mother and your father. You bought things you couldn't afford with money you didn't have, because of their influence. At 31 years old, you're going to have to decide to love your parents but no longer be influenced to do financial decisions based on their opinion, or even your perceived opinion of what your father would have thought. You cannot please these people anymore. They are breaking you. You make $70,000 a year and you're so far in debt you can't breathe. Buying a house you can't afford, going to a school you shouldn't have gone to and paying twice or three times as much for an education that you didn't even need to do the job you do. Am I wrong? Caller: Right. No, not at all. Dave Ramsey: Number one, that influence has to stop. Number two, you can't afford this house as a single guy making $70,000 a year.

Caller: I'm $451,000 in total debt. $252,000 of that is student loans, and I have 185 in a home loan. I only bring in $70,000 a year. After pension and all that stuff taken out, it's more like $40,000. I just don't know where to start. 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 a private institution because my mother wanted me to go there. I went there originally for finance, didn't do good, so I switched my major to criminal justice, and then eventually went on for a master's as well, which didn't really help my employment eligibility as much as I thought it would. Dave Ramsey: Is your mother wealthy? Caller: No, neither my mother nor my father. I'm the first in my family to go to college. Dave Ramsey: Mathematically, we always look at the ratio of shovel to hole. The amount of hole you're in versus the shovel you have, your debt to your income. Are you married? Caller: No, I have a girlfriend who lives with me, and her daughter as well. Dave Ramsey: What is this house worth? Caller: I actually just purchased it off of a whim. My father passed away and it was the last conversation we had. It was across the street from his house, and he really wanted me to get it, so I jumped in with both feet to honor him. Dave Ramsey: So you didn't put anything down, so the house is worth $185,000? Caller: Yeah. Dave Ramsey: How old are you? Caller: I'm 31. Dave Ramsey: When are you planning on marrying this girl? Caller: She's currently in school to finish up for nurse practitioner. Sometime after that, hopefully after January. Dave Ramsey: Does she have student loan debt? Caller: She does. Dave Ramsey: How much? Caller: I'm not sure because she's not really on board with all this. I've tried to bring this up to her when listening to your show recently, and her thing is, "I'm too busy with school and don't want to worry about that right now." Dave Ramsey: I think you're the voice of experience that says it's a good idea to worry about it, otherwise you end up up a creek, which is where you are right now, and your paddle is real small. You told me in a five-minute conversation of two really stupid financial decisions you made from the influence of your mother and your father. You bought things you couldn't afford with money you didn't have, because of their influence. At 31 years old, you're going to have to decide to love your parents but no longer be influenced to do financial decisions based on their opinion, or even your perceived opinion of what your father would have thought. You cannot please these people anymore. They are breaking you. You make $70,000 a year and you're so far in debt you can't breathe. Buying a house you can't afford, going to a school you shouldn't have gone to and paying twice or three times as much for an education that you didn't even need to do the job you do. Am I wrong? Caller: Right. No, not at all. Dave Ramsey: Number one, that influence has to stop. Number two, you can't afford this house as a single guy making $70,000 a year.

Traeyz ♠️

31,663 görüntüleme • 1 ay önce

God bless you Coach BI well detailed view of what I have been trying to say since all day, no be only am be him be the only black player for Madrid, that's why with this tantrums way e dey always throw e no fit ever win Ballon Dior, na only Christian Dior dem go give am. Make e go learn from oshimen, Ademola lookman, Boniface how dem take survive their own without leaving the the pitch or pausing the game because of say one pesin say or people say! Make dey end every game game because of vini na 😂😅 big baby He is not the only black player in Europe, make e comot that junior for him name, e too dey deceive am, make e dey mature, no be him be the only black player there and a lot of players dey hear different things. Everybody dey use emotions dey follow vini every time dey do this tantrums, make we con end game because somebody said something without evidence. Even KOMBO™ banter aside said evidence supposed dey before Una kill him career, Madrid just pulled of the victim card to win this game. I still say NO to RACISM 🚫 I STAND AGAINST IT🚫 Vini is not the only black player in Europe Period!

God bless you Coach BI well detailed view of what I have been trying to say since all day, no be only am be him be the only black player for Madrid, that's why with this tantrums way e dey always throw e no fit ever win Ballon Dior, na only Christian Dior dem go give am. Make e go learn from oshimen, Ademola lookman, Boniface how dem take survive their own without leaving the the pitch or pausing the game because of say one pesin say or people say! Make dey end every game game because of vini na 😂😅 big baby He is not the only black player in Europe, make e comot that junior for him name, e too dey deceive am, make e dey mature, no be him be the only black player there and a lot of players dey hear different things. Everybody dey use emotions dey follow vini every time dey do this tantrums, make we con end game because somebody said something without evidence. Even KOMBO™ banter aside said evidence supposed dey before Una kill him career, Madrid just pulled of the victim card to win this game. I still say NO to RACISM 🚫 I STAND AGAINST IT🚫 Vini is not the only black player in Europe Period!

BigE005 'I 🧑‍🚀🚀

72,124 görüntüleme • 6 ay önce

Wetin we go do dis our Baba? See as e come stage come even collect my own mic. On top of dat, Baba come steal my show as him come jump off the stage like superman. Pls whoever know Baba Obj, make una help me beg am to be calming down. How can a 9ty smtin year old man dey behave like a boy. When he's not Charlyboy. I no understand again

Wetin we go do dis our Baba? See as e come stage come even collect my own mic. On top of dat, Baba come steal my show as him come jump off the stage like superman. Pls whoever know Baba Obj, make una help me beg am to be calming down. How can a 9ty smtin year old man dey behave like a boy. When he's not Charlyboy. I no understand again

Charly Boy Area Fada 1

94,825 görüntüleme • 12 gün önce

Caller: “I think i’m my 41 year old boyfriend’s retirement, should i run?” Caller: I’m 32, an attorney, and I’ve been dating a 41 year old for three years. We’re talking marriage, but I just discovered he has no retirement or investment accounts. Nothing. George: At 41? Caller: Zero. And it’s making me nervous about our future together. Dave: You’re right to be nervous. This isn’t about being superficial or greedy. How someone handles money tells you a lot about their character and maturity. Caller: That’s what I’m worried about. I’ve been responsible with my finances and I don’t want to subsidize someone who lacks ambition. Dave: That’s a legitimate concern. You two need to understand each other’s financial values before marriage. George: Here’s the key question, does he have legitimate reasons for not saving, like caring for sick family members? Or is it just a lack of planning and discipline? Caller: I don’t think he has legitimate excuses. Dave: Then you have a bigger problem. This isn’t just about money, it’s about whether you two are aligned on life goals and whether you’ll respect each other long term. George: If he’s not planning for retirement at 41, that tells you something about how he approaches adulthood and responsibility. That doesn’t disappear after marriage. Caller: Can people change? Dave: They can, but they have to want to. Before you marry him, have a direct conversation. Find out if he’s willing to get serious about retirement and financial planning. If not, you need to ask yourself if you can be happy with someone who isn’t taking care of his future. Caller: That’s hard to hear. George: It is. But being miserable in a marriage because you’re subsidizing someone’s lack of planning is worse. Dave: Don’t marry someone hoping they’ll change. Marry someone who’s already aligned with you.

Caller: “I think i’m my 41 year old boyfriend’s retirement, should i run?” Caller: I’m 32, an attorney, and I’ve been dating a 41 year old for three years. We’re talking marriage, but I just discovered he has no retirement or investment accounts. Nothing. George: At 41? Caller: Zero. And it’s making me nervous about our future together. Dave: You’re right to be nervous. This isn’t about being superficial or greedy. How someone handles money tells you a lot about their character and maturity. Caller: That’s what I’m worried about. I’ve been responsible with my finances and I don’t want to subsidize someone who lacks ambition. Dave: That’s a legitimate concern. You two need to understand each other’s financial values before marriage. George: Here’s the key question, does he have legitimate reasons for not saving, like caring for sick family members? Or is it just a lack of planning and discipline? Caller: I don’t think he has legitimate excuses. Dave: Then you have a bigger problem. This isn’t just about money, it’s about whether you two are aligned on life goals and whether you’ll respect each other long term. George: If he’s not planning for retirement at 41, that tells you something about how he approaches adulthood and responsibility. That doesn’t disappear after marriage. Caller: Can people change? Dave: They can, but they have to want to. Before you marry him, have a direct conversation. Find out if he’s willing to get serious about retirement and financial planning. If not, you need to ask yourself if you can be happy with someone who isn’t taking care of his future. Caller: That’s hard to hear. George: It is. But being miserable in a marriage because you’re subsidizing someone’s lack of planning is worse. Dave: Don’t marry someone hoping they’ll change. Marry someone who’s already aligned with you.

Lin

147,000 görüntüleme • 23 gün önce

Caller: My situation is one where you would suggest that I sell my house to pay down debt, and if not, what should I do? Dave Ramsey: How much debt do you have, not counting your house? Caller: Around $500,000 or $600,000. My husband's school loans are $80,000, mine are $45,000, we have a debt consolidation loan for $45,000, and two cars that are ridiculously expensive. Dave Ramsey: Just give me the total. Caller: The total owed is $67,000 on my car and $62,000 on my husband's car. The main reason I'm calling is we owe the IRS $56,000, and they want to put a lien on our house because we owe over $50,000. Dave Ramsey: What's your household income? Caller: I'm about to go back full-time making $111,000, and my husband usually makes around $120,000, but he was just laid off at the beginning of the month. We have no emergency fund. Dave Ramsey: So if you get everything going again, you'd be at like $230,000. And the house is worth what? Caller: Between $770,000 and $800,000. Dave Ramsey: What do you owe on it? Caller: $628,000. My worry is after agent fees and closing costs. Dave Ramsey: You're not going to get enough to clean up the mess. The mess is too big and the house won't fix it. How'd you end up owing the IRS $56,000? Caller: When my husband graduated college and I landed in my career, we started making money and didn't realize we weren't getting enough taken out of our checks year after year. I finally met with an accountant who told me that, and I also have a side business where I design websites and haven't been pre-paying those taxes either. Dave Ramsey: What do you make on the side business? Caller: This year it was like $30,000. Dave Ramsey: What's your husband's career? Caller: He's a software quality engineer. He was in an 18-month contract and they didn't renew it. Dave Ramsey: The good news is he's very employable and can probably get a job pretty quick. You have a series of crises and need to work on three of them at once. Number one crisis: re-employment. Number two crisis: the IRS. You need to talk to a tax professional to negotiate an installment payment plan with no lien. Even if they put a lien on the house, they aren't going to do anything with it because they don't want to pay off a $628,000 mortgage. What you actually need to prevent is the IRS leaning your checking accounts and cleaning out your bank accounts.

Caller: My situation is one where you would suggest that I sell my house to pay down debt, and if not, what should I do? Dave Ramsey: How much debt do you have, not counting your house? Caller: Around $500,000 or $600,000. My husband's school loans are $80,000, mine are $45,000, we have a debt consolidation loan for $45,000, and two cars that are ridiculously expensive. Dave Ramsey: Just give me the total. Caller: The total owed is $67,000 on my car and $62,000 on my husband's car. The main reason I'm calling is we owe the IRS $56,000, and they want to put a lien on our house because we owe over $50,000. Dave Ramsey: What's your household income? Caller: I'm about to go back full-time making $111,000, and my husband usually makes around $120,000, but he was just laid off at the beginning of the month. We have no emergency fund. Dave Ramsey: So if you get everything going again, you'd be at like $230,000. And the house is worth what? Caller: Between $770,000 and $800,000. Dave Ramsey: What do you owe on it? Caller: $628,000. My worry is after agent fees and closing costs. Dave Ramsey: You're not going to get enough to clean up the mess. The mess is too big and the house won't fix it. How'd you end up owing the IRS $56,000? Caller: When my husband graduated college and I landed in my career, we started making money and didn't realize we weren't getting enough taken out of our checks year after year. I finally met with an accountant who told me that, and I also have a side business where I design websites and haven't been pre-paying those taxes either. Dave Ramsey: What do you make on the side business? Caller: This year it was like $30,000. Dave Ramsey: What's your husband's career? Caller: He's a software quality engineer. He was in an 18-month contract and they didn't renew it. Dave Ramsey: The good news is he's very employable and can probably get a job pretty quick. You have a series of crises and need to work on three of them at once. Number one crisis: re-employment. Number two crisis: the IRS. You need to talk to a tax professional to negotiate an installment payment plan with no lien. Even if they put a lien on the house, they aren't going to do anything with it because they don't want to pay off a $628,000 mortgage. What you actually need to prevent is the IRS leaning your checking accounts and cleaning out your bank accounts.

Traeyz ♠️

57,148 görüntüleme • 1 ay önce

Caller: “I’m 70 years old and married. We have no retirement savings, only $25,000 in cash, owe $27,000 on our $250,000 home, and $11,000 on our car.” Dave Ramsey: “how can we help?” Caller: “My husband wants to make financial decisions I don’t agree with, and I’m stressed. I at least want to keep our home.” Dave Ramsey: “what’s your income” Caller: “we have $2000 a month of social security, with a cleaner job that I have that’s physically challenging about another $2000” Dave Ramsey: “is your husband able to work?” Caller: “No, he’s got medical issues which was one of the things that put us this way cause our medical bills were too high” Dave Ramsey: “how many cars?” Caller: “paid off old pickup,the one with the debt and an old roadster valued at $10,000” Dave Ramsey: “I’m sorry the roadster is gone, that gives us $10,000 to put towards the house, $15,000 in emergency and that leaves you $17,000 to go and you guys get into business in the next 17months to get that house paid off” “You can make it but it’s not gonna be pretty, you gotta get your house and car paid off, you have $25,000 and a roadster to pull this off and a $2000 that’s questionable because we don’t know how long you can do this at 71” “Otherwise you’re gonna sell off the house buy a condo for $100,000 and extra to live on and have a life”

Caller: “I’m 70 years old and married. We have no retirement savings, only $25,000 in cash, owe $27,000 on our $250,000 home, and $11,000 on our car.” Dave Ramsey: “how can we help?” Caller: “My husband wants to make financial decisions I don’t agree with, and I’m stressed. I at least want to keep our home.” Dave Ramsey: “what’s your income” Caller: “we have $2000 a month of social security, with a cleaner job that I have that’s physically challenging about another $2000” Dave Ramsey: “is your husband able to work?” Caller: “No, he’s got medical issues which was one of the things that put us this way cause our medical bills were too high” Dave Ramsey: “how many cars?” Caller: “paid off old pickup,the one with the debt and an old roadster valued at $10,000” Dave Ramsey: “I’m sorry the roadster is gone, that gives us $10,000 to put towards the house, $15,000 in emergency and that leaves you $17,000 to go and you guys get into business in the next 17months to get that house paid off” “You can make it but it’s not gonna be pretty, you gotta get your house and car paid off, you have $25,000 and a roadster to pull this off and a $2000 that’s questionable because we don’t know how long you can do this at 71” “Otherwise you’re gonna sell off the house buy a condo for $100,000 and extra to live on and have a life”

𝓢𝓵𝓪𝓶 👁️⃤

470,637 görüntüleme • 1 ay önce

Dave My Kids Has Turned Into Socialists! ( I Want To Cut Them Out Of My Will) Monique (caller): ...looking for some guidance from Dave and Dr. Delony about my will. Um, I have two daughters: one of whom is doing very well financially she and her husband are in the 1%. And the other daughter earns about $50,000. And for several years, I felt uncomfortable about how to, like, divide up the assets I'm an everyday millionaire. Um, but more recently, I've gotten to the point where I don't want to give either of them any money. Dave Ramsey: Why? Monique: I feel like I've worked so hard my whole life. I paid for college for them I've paid over half a million dollars for college for them. And they've turned into socialists. And they just... Monique: ...but they have. Dave: Well, you sent them to the wrong college! (laughs) Monique: Yeah! Dr. John Delony: Monique, you're my favorite call maybe in two months. Monique: Well... I know we're all laughing, but frankly, I'm depressed. I'm very depressed about where I see my children heading. And I think: I don't want my money to go to them. And I feel terrible about that. Dave: You shouldn't. They're not entitled they didn't hit the DNA lottery. They're not entitled. My children have been instructed since they were small that in order to get the opportunity to manage the money that God gave me to manage meaning that I hand off the responsibility to manage some of the Ramsey fortune to them they will have to be people of character. Socialists are not people of character. (laughs) They're parasites. And so, um, if my children are going to be parasites, I'm not going to finance their lives so that they have a reality show. Monique: Is there a way to put money in, let's say, a trust, where they couldn't get access to it till they were, let's say, 70 years old? Because I... Dave: Well, I mean, then they'd just be a 70-year-old socialist, right?

Dave My Kids Has Turned Into Socialists! ( I Want To Cut Them Out Of My Will) Monique (caller): ...looking for some guidance from Dave and Dr. Delony about my will. Um, I have two daughters: one of whom is doing very well financially she and her husband are in the 1%. And the other daughter earns about $50,000. And for several years, I felt uncomfortable about how to, like, divide up the assets I'm an everyday millionaire. Um, but more recently, I've gotten to the point where I don't want to give either of them any money. Dave Ramsey: Why? Monique: I feel like I've worked so hard my whole life. I paid for college for them I've paid over half a million dollars for college for them. And they've turned into socialists. And they just... Monique: ...but they have. Dave: Well, you sent them to the wrong college! (laughs) Monique: Yeah! Dr. John Delony: Monique, you're my favorite call maybe in two months. Monique: Well... I know we're all laughing, but frankly, I'm depressed. I'm very depressed about where I see my children heading. And I think: I don't want my money to go to them. And I feel terrible about that. Dave: You shouldn't. They're not entitled they didn't hit the DNA lottery. They're not entitled. My children have been instructed since they were small that in order to get the opportunity to manage the money that God gave me to manage meaning that I hand off the responsibility to manage some of the Ramsey fortune to them they will have to be people of character. Socialists are not people of character. (laughs) They're parasites. And so, um, if my children are going to be parasites, I'm not going to finance their lives so that they have a reality show. Monique: Is there a way to put money in, let's say, a trust, where they couldn't get access to it till they were, let's say, 70 years old? Because I... Dave: Well, I mean, then they'd just be a 70-year-old socialist, right?

Hecto Crypto | NetLink ⛓

42,750 görüntüleme • 1 ay önce

Caller: “I’m 19, Is This $500,000 Purchase A Good Decision” Caller: I'm 19, getting married next year, and I have a $118,000 net worth with no debt. It includes investments, savings, and two paid-off vehicles. Dave Ramsey: Wow. How'd you do that at 19? Caller: I'm a welder making about $55,000 a year. I started welding at 16 through a school program and went full-time after high school. My grandfather is 72 and wants to retire. He's offering me his $1.1 million farm for $500,000, plus about $100,000 in equipment over time. He wants $50,000 down and a 15-year land contract at 1.2% interest. The farm brings in about $30,000 a year, so I'd only need to cover $500–$1,000 a month myself, and I hope to pay it off within 5–10 years. With my wedding next year, I want to know if it's a smart financial move. Co-Host: Do you actually want to farm, or do you want to keep welding? Caller: I want to own the farm but keep my welding job. It's a 100-acre farm with a house, and I just want to be sure it won't put me in a bad financial position. Dave Ramsey: Where do you live now? Caller: With my parents, but I'll get married next year. Dave Ramsey: Will your wife work? Caller: Yes. She'll make about $45,000, so together we'll earn around $100,000. Dave Ramsey: You'll live on the farm then.What does your family think about you buying it for less than half its value? Caller: They're not interested. Dave Ramsey: You're buying a $1.1–$1.2 million property for $500,000? I'd take that deal,but I'd make one change: don't use a land contract. With a land contract, the deed stays in your grandfather's name until it's fully paid off. If he's sued or a lien is placed on the property before then, you could lose the farm even if you've been making payments. Get the deed transferred properly from the start.

Caller: “I’m 19, Is This $500,000 Purchase A Good Decision” Caller: I'm 19, getting married next year, and I have a $118,000 net worth with no debt. It includes investments, savings, and two paid-off vehicles. Dave Ramsey: Wow. How'd you do that at 19? Caller: I'm a welder making about $55,000 a year. I started welding at 16 through a school program and went full-time after high school. My grandfather is 72 and wants to retire. He's offering me his $1.1 million farm for $500,000, plus about $100,000 in equipment over time. He wants $50,000 down and a 15-year land contract at 1.2% interest. The farm brings in about $30,000 a year, so I'd only need to cover $500–$1,000 a month myself, and I hope to pay it off within 5–10 years. With my wedding next year, I want to know if it's a smart financial move. Co-Host: Do you actually want to farm, or do you want to keep welding? Caller: I want to own the farm but keep my welding job. It's a 100-acre farm with a house, and I just want to be sure it won't put me in a bad financial position. Dave Ramsey: Where do you live now? Caller: With my parents, but I'll get married next year. Dave Ramsey: Will your wife work? Caller: Yes. She'll make about $45,000, so together we'll earn around $100,000. Dave Ramsey: You'll live on the farm then.What does your family think about you buying it for less than half its value? Caller: They're not interested. Dave Ramsey: You're buying a $1.1–$1.2 million property for $500,000? I'd take that deal,but I'd make one change: don't use a land contract. With a land contract, the deed stays in your grandfather's name until it's fully paid off. If he's sued or a lien is placed on the property before then, you could lose the farm even if you've been making payments. Get the deed transferred properly from the start.

Jeff

257,936 görüntüleme • 24 gün önce

Sheikh Gumi Come make I ask you something you dey alright? Do u need medical attention? You Dey think before you talk? You say attacking bandits will be a mistake? Are you mad? Are you normal? Or na bandit spirit don colonize your sense? People dey cry, Families dey bury children, Farmers no fit go farm, Villages dey empty like ghost town And you stand for public dey defend criminals wey be your congregation? Wetin dey wrong with you?? Any small thing, you go rush microphone: “Negotiate with them.” “Don’t attack them.” “Give them amnesty.” “Bandits are not terrorists.” Shut up abeg. Which kain amnesty you don ever suggest for the victims? Which kain negotiation you don do with the families wey bandits scatter their future? E clear say na you dey represent killers. You dey talk like their PRO. Like their spiritual adviser. Like their unofficial mouthpiece. I don tire for your nonsense, honestly. You be cleric, but your mouth no dey bring peace. Na fake you be You dey act like say bandits na endangered species wey we suppose protect. God punish you for us. Let me tell you now Any leader, cleric or elder wey dey use “dialogue” excuse to pamper killers is part of the problem. U no go die better I swear. Because if na your family bandits carry, If na your people dem butcher, Your mouth no go ever produce “dialogue.” You go suddenly turn military commander. You go shout “attack them!” louder than siren. Sheikh Gumi, hear me well: Stop talking nonsense. Stop defending evil. Stop creating confusion. Stop making Nigeria look like playground for criminals. For once, use your influence talk truth: “Bandits must be crushed. Victims must be protected. Government must wake up.” If you no fit talk that one, At least respect your old age and shut the fuckup. Ur fathers left nyash. Make una help me rain curses on dis mad man.

Sheikh Gumi Come make I ask you something you dey alright? Do u need medical attention? You Dey think before you talk? You say attacking bandits will be a mistake? Are you mad? Are you normal? Or na bandit spirit don colonize your sense? People dey cry, Families dey bury children, Farmers no fit go farm, Villages dey empty like ghost town And you stand for public dey defend criminals wey be your congregation? Wetin dey wrong with you?? Any small thing, you go rush microphone: “Negotiate with them.” “Don’t attack them.” “Give them amnesty.” “Bandits are not terrorists.” Shut up abeg. Which kain amnesty you don ever suggest for the victims? Which kain negotiation you don do with the families wey bandits scatter their future? E clear say na you dey represent killers. You dey talk like their PRO. Like their spiritual adviser. Like their unofficial mouthpiece. I don tire for your nonsense, honestly. You be cleric, but your mouth no dey bring peace. Na fake you be You dey act like say bandits na endangered species wey we suppose protect. God punish you for us. Let me tell you now Any leader, cleric or elder wey dey use “dialogue” excuse to pamper killers is part of the problem. U no go die better I swear. Because if na your family bandits carry, If na your people dem butcher, Your mouth no go ever produce “dialogue.” You go suddenly turn military commander. You go shout “attack them!” louder than siren. Sheikh Gumi, hear me well: Stop talking nonsense. Stop defending evil. Stop creating confusion. Stop making Nigeria look like playground for criminals. For once, use your influence talk truth: “Bandits must be crushed. Victims must be protected. Government must wake up.” If you no fit talk that one, At least respect your old age and shut the fuckup. Ur fathers left nyash. Make una help me rain curses on dis mad man.

Charly Boy Area Fada 1

149,877 görüntüleme • 8 ay önce

NEW: Barstool’s Dave Portnoy vows revenge after seeing a ‘F*ck The Jews’ sign at his Philadelphia bar last evening. Portnoy says he is tracking down the people responsible and has already fired two waitresses. “I'm gonna f*cking make it my life f*cking mission to ruin these people. Like, I'm coming to your throat.” “I have been on the trail. Trust me. I've been on the trail. You think I'm gonna put up with this sh*t at my bar?” “I'm giving you one f*cking hour…”

NEW: Barstool’s Dave Portnoy vows revenge after seeing a ‘Fck The Jews’ sign at his Philadelphia bar last evening. Portnoy says he is tracking down the people responsible and has already fired two waitresses. “I'm gonna fcking make it my life fcking mission to ruin these people. Like, I'm coming to your throat.” “I have been on the trail. Trust me. I've been on the trail. You think I'm gonna put up with this sht at my bar?” “I'm giving you one f*cking hour…”

Collin Rugg

4,224,553 görüntüleme • 1 yıl önce

Parents Promised to Pay for College… Until Their Daughter Broke One Rule Caller: My husband and I have been on your plan off and on. We’ve paid off all our debt at one point, and then I was stupid, got back into it. One of the driving forces is we want to cash flow our kids’ college. I’ve told my kids since they were in middle school, “We will pay for college, but you have to live at home, you have to go to a school that we approve of, and you have to have good grades.” Dave Ramsey: Yeah, that’s fine. I did the same thing except the live-at-home part. John Delony: Why do you add that you have to live at home? Caller: Because where I live there are so many colleges within 20 minutes of our home that there is no reason for you to not live at home. Dave Ramsey: Okay. It’s your money, and those are your rules. What’s your question? Caller: My daughter refuses to stay home and go to school. She wants to go to WSU, which is six hours away, and they require you to live on campus and have the food program. John Delony: This is very simple. She’s opting out of your rules. Caller: Yes. And it’s just… it’s very difficult for me. John Delony: You drew a very hard line, a very clear line. This is the way this is going to be, and she said, “Cool. I’m going that way.” Dave Ramsey: But that doesn’t obligate you to pay. Caller: I said I would help with some groceries. Dave Ramsey: No, no, no. She gets none of your money. That’s the rule you set up. Caller: It kills me when you see your kid running into… Dave Ramsey: It’s really heartbreaking to watch people you love do stupid butt things. But you don’t get to vote anymore once they’re adults.

Parents Promised to Pay for College… Until Their Daughter Broke One Rule Caller: My husband and I have been on your plan off and on. We’ve paid off all our debt at one point, and then I was stupid, got back into it. One of the driving forces is we want to cash flow our kids’ college. I’ve told my kids since they were in middle school, “We will pay for college, but you have to live at home, you have to go to a school that we approve of, and you have to have good grades.” Dave Ramsey: Yeah, that’s fine. I did the same thing except the live-at-home part. John Delony: Why do you add that you have to live at home? Caller: Because where I live there are so many colleges within 20 minutes of our home that there is no reason for you to not live at home. Dave Ramsey: Okay. It’s your money, and those are your rules. What’s your question? Caller: My daughter refuses to stay home and go to school. She wants to go to WSU, which is six hours away, and they require you to live on campus and have the food program. John Delony: This is very simple. She’s opting out of your rules. Caller: Yes. And it’s just… it’s very difficult for me. John Delony: You drew a very hard line, a very clear line. This is the way this is going to be, and she said, “Cool. I’m going that way.” Dave Ramsey: But that doesn’t obligate you to pay. Caller: I said I would help with some groceries. Dave Ramsey: No, no, no. She gets none of your money. That’s the rule you set up. Caller: It kills me when you see your kid running into… Dave Ramsey: It’s really heartbreaking to watch people you love do stupid butt things. But you don’t get to vote anymore once they’re adults.

‏ً

72,289 görüntüleme • 1 ay önce