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My husband won $1 MILLION over a random scratch off ticket. Caller: My husband stopped at a gas station, bought a random scratch-off ticket, and won $1 million. Dave Ramsey: You're kidding. Caller: We're still in shock. He came home and couldn't even get the words out. Dave Ramsey:... So what happens now? Caller: We took the lump sum. After everything, we expect to receive a little over $400,000. Dave Ramsey: The first thing I'd do is stop taking financial advice from Google. Caller: Really? Dave Ramsey: Absolutely. When you're dealing with life-changing money, internet research isn't a financial plan. Before you make a single move, sit down with a qualified tax professional. Learn exactly what you owe. Learn exactly what you have. Then make decisions from facts, not guesses. Caller: So don't rush? Dave Ramsey: Exactly. The lottery changed your bank account overnight. That doesn't mean you need to change your life overnight.show more

RealGold⚜️

4,623 subscribers

53,635 просмотров • 2 месяцев назад •via X (Twitter)

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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.

Traeyz ♠️

1,051,570 просмотров • 1 месяц назад

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 (𝜏)

2,357,872 просмотров • 1 месяц назад

A coffee shop owner making $750K a year asks Dave Ramsey which debt he should pay off first: Caller: "My wife and I own some coffee shops. We have about 100 employees, did $4.2 million last year, and we're unsure whether to attack our personal debt or our business debt first." Dave Ramsey: "Well... they're all personal. The SBA loans were signed personally." Caller: "We've got about $270,000 in vehicle loans..." Dave Ramsey: "How many vehicles?" Caller: "Four. The bulk of that is our personal vehicles. They're very expensive." Dave Ramsey: "You made $4.2 million. What was your net profit?" Caller: "About 15%. I also have a day job making about $250,000." Dave Ramsey: "So you've got a $750,000 household income?" Caller: "Yes." Dave Ramsey: "And the SBA loans?" Caller: "About $1 million." Dave Ramsey: "Other debt?" Caller: "$55,000 to the IRS, a $1.9 million mortgage, a $200,000 HELOC, and a $280,000 flip house." Dave Ramsey: "You're a busy guy. You're flipping houses, running 11 coffee shops, and have a full-time job."

A coffee shop owner making $750K a year asks Dave Ramsey which debt he should pay off first: Caller: "My wife and I own some coffee shops. We have about 100 employees, did $4.2 million last year, and we're unsure whether to attack our personal debt or our business debt first." Dave Ramsey: "Well... they're all personal. The SBA loans were signed personally." Caller: "We've got about $270,000 in vehicle loans..." Dave Ramsey: "How many vehicles?" Caller: "Four. The bulk of that is our personal vehicles. They're very expensive." Dave Ramsey: "You made $4.2 million. What was your net profit?" Caller: "About 15%. I also have a day job making about $250,000." Dave Ramsey: "So you've got a $750,000 household income?" Caller: "Yes." Dave Ramsey: "And the SBA loans?" Caller: "About $1 million." Dave Ramsey: "Other debt?" Caller: "$55,000 to the IRS, a $1.9 million mortgage, a $200,000 HELOC, and a $280,000 flip house." Dave Ramsey: "You're a busy guy. You're flipping houses, running 11 coffee shops, and have a full-time job."

Bee♧

339,873 просмотров • 1 месяц назад

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.

RealGold⚜️

2,169,529 просмотров • 2 месяцев назад

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.

RealGold⚜️

248,104 просмотров • 2 месяцев назад

Caller: My husband and I are in way over our heads. We are about $1.3 million in debt with two businesses, a house loan, a car loan, credit cards, and back taxes. Dave Ramsey: How old are you guys? How long have you been married? Caller: We're both 28, married six years. Dave Ramsey: How much do you owe on your home and what's it worth? Caller: We owe about $48,000, and it's worth about $250,000. Dave Ramsey: What do you owe on your cars and in taxes? Caller: Cars is $17,000, taxes is $30,000. Dave Ramsey: That means we have a whole bunch of business debt, like $1.2 million worth? On what? Caller: My husband was fired four years ago and couldn't find stable work. We started a summer camp in 2022 built with credit card debt. To make that stable, we bought another business's assets for the $1.2m. Dave Ramsey: The credit card debt totals how much? Caller: About $19,000, and $15,000 of that is from the summer camp. Dave Ramsey: You don't own the land on the camp, do you? What kind of income do you make on that? Caller: No, sir, we rent the ground. It makes about $200,000 a year. Dave Ramsey: And the business that you purchased, what was the assets? Who loaned you $1.2 million for that? Caller: It’s event rentals like staging, lights, audiovisual, and inflatables. The SBA loaned it to us. Jade Warshaw: Is the camp still operational? Is there a way you can add things for other seasons to earn more? Caller: Yes, we still do it every year. We've been trying to, but we've hit a point in the economy where people are trying not to spend as much on fun stuff or childcare. Dave Ramsey: Not really true, but being so overwhelmed, I can see how you could start to think that. Lots of people are still renting kid stuff all over the place. The economics at your house suck, and I'm so sorry, honey.

Caller: My husband and I are in way over our heads. We are about $1.3 million in debt with two businesses, a house loan, a car loan, credit cards, and back taxes. Dave Ramsey: How old are you guys? How long have you been married? Caller: We're both 28, married six years. Dave Ramsey: How much do you owe on your home and what's it worth? Caller: We owe about $48,000, and it's worth about $250,000. Dave Ramsey: What do you owe on your cars and in taxes? Caller: Cars is $17,000, taxes is $30,000. Dave Ramsey: That means we have a whole bunch of business debt, like $1.2 million worth? On what? Caller: My husband was fired four years ago and couldn't find stable work. We started a summer camp in 2022 built with credit card debt. To make that stable, we bought another business's assets for the $1.2m. Dave Ramsey: The credit card debt totals how much? Caller: About $19,000, and $15,000 of that is from the summer camp. Dave Ramsey: You don't own the land on the camp, do you? What kind of income do you make on that? Caller: No, sir, we rent the ground. It makes about $200,000 a year. Dave Ramsey: And the business that you purchased, what was the assets? Who loaned you $1.2 million for that? Caller: It’s event rentals like staging, lights, audiovisual, and inflatables. The SBA loaned it to us. Jade Warshaw: Is the camp still operational? Is there a way you can add things for other seasons to earn more? Caller: Yes, we still do it every year. We've been trying to, but we've hit a point in the economy where people are trying not to spend as much on fun stuff or childcare. Dave Ramsey: Not really true, but being so overwhelmed, I can see how you could start to think that. Lots of people are still renting kid stuff all over the place. The economics at your house suck, and I'm so sorry, honey.

Traeyz ♠️

144,296 просмотров • 1 месяц назад

A woman asked Dave Ramsey if she should split her inheritance with the sister their mother left out of the will Caller: I have an inheritance, and my sister was left out of the will. Dave Ramsey: Whoa… why? Caller: I think there’s been conflict along the years that never got resolved. My mom was very strong-willed, and she just had enough. Dave Ramsey: So your mom was not in a relationship with your sister, and chose not to leave her anything as a result? Caller: Exactly. Dave Ramsey: Well, that sounds reasonable. Caller: Oh wow, okay. Dave Ramsey: Why would your mom leave something to somebody that doesn’t speak to her? Caller: She said, “Are you going to split this with me? I just want to know. Because if you’re not, that means you agree with Mom.” George Kamel: We’re not taking that guilt trip. No, thank you. That’s on her. Dave Ramsey: You not giving her money is not cutting the relationship off. She is choosing to cut the relationship off. Caller: Oh, that makes sense. Dave Ramsey: You didn’t choose. She chose. I’m sorry, it hurts, though. Dave Ramsey: She’s not really interested in a relationship with you. She’s just interested in money. Am I wrong? Caller: You’re spot on. Dave Ramsey: It still hurts because it’s your sister. But you didn’t cause any of it.

A woman asked Dave Ramsey if she should split her inheritance with the sister their mother left out of the will Caller: I have an inheritance, and my sister was left out of the will. Dave Ramsey: Whoa… why? Caller: I think there’s been conflict along the years that never got resolved. My mom was very strong-willed, and she just had enough. Dave Ramsey: So your mom was not in a relationship with your sister, and chose not to leave her anything as a result? Caller: Exactly. Dave Ramsey: Well, that sounds reasonable. Caller: Oh wow, okay. Dave Ramsey: Why would your mom leave something to somebody that doesn’t speak to her? Caller: She said, “Are you going to split this with me? I just want to know. Because if you’re not, that means you agree with Mom.” George Kamel: We’re not taking that guilt trip. No, thank you. That’s on her. Dave Ramsey: You not giving her money is not cutting the relationship off. She is choosing to cut the relationship off. Caller: Oh, that makes sense. Dave Ramsey: You didn’t choose. She chose. I’m sorry, it hurts, though. Dave Ramsey: She’s not really interested in a relationship with you. She’s just interested in money. Am I wrong? Caller: You’re spot on. Dave Ramsey: It still hurts because it’s your sister. But you didn’t cause any of it.

‏ً

78,116 просмотров • 1 месяц назад

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 ♠️

789,607 просмотров • 2 месяцев назад

Caller: “We’re about $34,000 in credit card debt, and we have an $11,000 loan on our car and about $100,000 in student loans combined.” Dave Ramsey: “OK. And what’s your household income?” Caller: “About $28,000.” Dave Ramsey: “Huh? A year?” Caller: “Yeah.” Dave Ramsey: “OK. Who’s not working?” Caller: “Me.” Dave Ramsey: “Why?” Caller: “My daughter is at home and I’m suffering from anxiety.” Dave Ramsey: “Alright. Let me give you a couple of facts. Student loans are not bankruptable, so after bankruptcy you’ll still have $100,000 in student loan debt. Your household income is $28,000. Y’all are starving to death, and bankruptcy will not fix your income problem. “If you keep the car, you’ll still have the $11,000 car loan. So really, the only debt bankruptcy clears is the $34,000 in credit cards.” “Who sued you over the credit card?” Caller: “Credit One Bank.” Dave Ramsey: “OK. And how much do you owe them?” Caller: “$1,006.” Dave Ramsey: “OK. The third fact is debt relief attorneys are generally bankruptcy attorneys. If you ask a bankruptcy attorney if you’re bankrupt, that’s like asking a dog if it’s hungry. “So the advice you were getting was self-serving. If you’re keeping the car, you’re really not filing bankruptcy on much. And it’s a $1,000 lawsuit that’s triggering all this. “You have a household income of $28,000, which is less than half the typical household income in America. I’m not shaming you. I’m just saying you guys have an income issue.” Dave Ramsey: “What’s your husband do for a living?” Caller: “He works at a car dealership.” Dave Ramsey: “Doing what?” Caller: “Driving cars.” Dave Ramsey: “33 hours a week? And how old are you guys?” Caller: “We’re in our 40s.” Dave Ramsey: “OK. I’m not a mental health professional, and I know anxiety is real. I’m not qualified to tell you when you can go back to work. “But I am qualified to tell you your family needs income. Thirty-three hours a week is not enough when your family is this broke. Your husband needs more work. He’s in his 40s, and I don’t want him in his 50s still making $28,000 a year driving cars.”

Caller: “We’re about $34,000 in credit card debt, and we have an $11,000 loan on our car and about $100,000 in student loans combined.” Dave Ramsey: “OK. And what’s your household income?” Caller: “About $28,000.” Dave Ramsey: “Huh? A year?” Caller: “Yeah.” Dave Ramsey: “OK. Who’s not working?” Caller: “Me.” Dave Ramsey: “Why?” Caller: “My daughter is at home and I’m suffering from anxiety.” Dave Ramsey: “Alright. Let me give you a couple of facts. Student loans are not bankruptable, so after bankruptcy you’ll still have $100,000 in student loan debt. Your household income is $28,000. Y’all are starving to death, and bankruptcy will not fix your income problem. “If you keep the car, you’ll still have the $11,000 car loan. So really, the only debt bankruptcy clears is the $34,000 in credit cards.” “Who sued you over the credit card?” Caller: “Credit One Bank.” Dave Ramsey: “OK. And how much do you owe them?” Caller: “$1,006.” Dave Ramsey: “OK. The third fact is debt relief attorneys are generally bankruptcy attorneys. If you ask a bankruptcy attorney if you’re bankrupt, that’s like asking a dog if it’s hungry. “So the advice you were getting was self-serving. If you’re keeping the car, you’re really not filing bankruptcy on much. And it’s a $1,000 lawsuit that’s triggering all this. “You have a household income of $28,000, which is less than half the typical household income in America. I’m not shaming you. I’m just saying you guys have an income issue.” Dave Ramsey: “What’s your husband do for a living?” Caller: “He works at a car dealership.” Dave Ramsey: “Doing what?” Caller: “Driving cars.” Dave Ramsey: “33 hours a week? And how old are you guys?” Caller: “We’re in our 40s.” Dave Ramsey: “OK. I’m not a mental health professional, and I know anxiety is real. I’m not qualified to tell you when you can go back to work. “But I am qualified to tell you your family needs income. Thirty-three hours a week is not enough when your family is this broke. Your husband needs more work. He’s in his 40s, and I don’t want him in his 50s still making $28,000 a year driving cars.”

𝓢𝓵𝓪𝓶 👁️⃤

133,246 просмотров • 1 месяц назад

Dave Ramsey tells caller American Citizens are not allowed to own Real Estate in Mexico Caller: “I want to buy a beach condo in Mexico for $350,000… with my inheritance.” Dave Ramsey: Do you have the cash? Caller: Yes. Dave Ramsey: If you lost the condo tomorrow, would your life still be okay? Caller: Yes. Dave Ramsey: Then I’d probably do it. Caller: Seriously? I thought you’d tear me apart. Dave: Just remember… buying property in Mexico isn’t like buying in the U.S. Caller: How so? Dave: You don’t technically own it. It’s held through a Mexican trust, and the rules are different. Dave: “Go in with your eyes open. If you’re comfortable with the risk, enjoy the beach.”

Dave Ramsey tells caller American Citizens are not allowed to own Real Estate in Mexico Caller: “I want to buy a beach condo in Mexico for $350,000… with my inheritance.” Dave Ramsey: Do you have the cash? Caller: Yes. Dave Ramsey: If you lost the condo tomorrow, would your life still be okay? Caller: Yes. Dave Ramsey: Then I’d probably do it. Caller: Seriously? I thought you’d tear me apart. Dave: Just remember… buying property in Mexico isn’t like buying in the U.S. Caller: How so? Dave: You don’t technically own it. It’s held through a Mexican trust, and the rules are different. Dave: “Go in with your eyes open. If you’re comfortable with the risk, enjoy the beach.”

hi (𝜏)

670,311 просмотров • 1 месяц назад

Dave Ramsey: How much student loan debt do you have? Caller: About $550,000 Dave Ramsey: $550,000? Caller: Yeah. Dave Ramsey: What is your field of study? Caller: Medicine. Family practice. Dave Ramsey: Why did it take $550,000 to do family practice? Caller: Poor decisions and misguided advice early on to not worry about loans. Dave Ramsey: Family practice. What are you looking at, a hundred and a half a year? Caller: $180,00] starting. Dave Ramsey: Why does it take eight years if you're making $180,000? You could live on $80,000, put $100,000 on it, and be done in five years. Caller: After taxes and tithing, I'm down to $110,000. We plan to put about $85,000 a year toward it, leaving $20,000 to $30,000 to live off of. With the interest rate, it will take about eight years. Dave Ramsey: Your income doesn't go up in your scenario? Caller: That is building in a 5% raise every year. Dave Ramsey: I think you'll get more raises than that. Can you work ER on the weekends? Caller: The place I'm signed with won't let me work other jobs so I don't come in tired. But they said they can put me to work as much as I need. Dave Ramsey: You could pick up another $100,000 a year working ER on the weekends if you have the stamina. I want to increase the size of your shovel. I'm not going to accept the eight years; I'm going with a four or five-year plan. And yes, I am going to delay retirement because this is a vast problem.

Dave Ramsey: How much student loan debt do you have? Caller: About $550,000 Dave Ramsey: $550,000? Caller: Yeah. Dave Ramsey: What is your field of study? Caller: Medicine. Family practice. Dave Ramsey: Why did it take $550,000 to do family practice? Caller: Poor decisions and misguided advice early on to not worry about loans. Dave Ramsey: Family practice. What are you looking at, a hundred and a half a year? Caller: $180,00] starting. Dave Ramsey: Why does it take eight years if you're making $180,000? You could live on $80,000, put $100,000 on it, and be done in five years. Caller: After taxes and tithing, I'm down to $110,000. We plan to put about $85,000 a year toward it, leaving $20,000 to $30,000 to live off of. With the interest rate, it will take about eight years. Dave Ramsey: Your income doesn't go up in your scenario? Caller: That is building in a 5% raise every year. Dave Ramsey: I think you'll get more raises than that. Can you work ER on the weekends? Caller: The place I'm signed with won't let me work other jobs so I don't come in tired. But they said they can put me to work as much as I need. Dave Ramsey: You could pick up another $100,000 a year working ER on the weekends if you have the stamina. I want to increase the size of your shovel. I'm not going to accept the eight years; I'm going with a four or five-year plan. And yes, I am going to delay retirement because this is a vast problem.

Traeyz ♠️

1,928,252 просмотров • 1 месяц назад

Caller: I don't know what to do. My husband just died within the last week or so. Dave Ramsey: Oh, my. Caller: And I went to call my sister, only to find out that her husband had died in February. So, we're both in the same boat. But the reason I called is because I don't know exactly what I should be doing in terms of the mortgage. I received a letter from the mortgage company where they were doing the annual escrow analysis, and they've upped the mortgage payment almost $1,000. Dave Ramsey: Mmh. And how old are you? Caller: 76. Dave Ramsey: How old was your husband? Caller: 85. Dave Ramsey: What happened? Caller: He fell at home and he went to the VA hospital, and they in turn transferred him to a civilian hospital, and seven days later he died. They don't know exactly why he died; they were guessing. But... Dave Ramsey: What was his name? Caller: Monroe. Dave Ramsey: So, do you have children? Caller: He has three grown children. I have three grown children. They're all on their own. Dave Ramsey: Which one of your three children is the responsible one? Caller: My daughter. Dave Ramsey:Didn't take long to come up with that name. Call her today, okay? Call your daughter as soon as you hang up with us, and then we will have one of our coaches call you within 24 hours, and we'll make sure you got food money set up. We'll make sure that you got a good budget and you got a good handle on where you are. Somebody walking with you and helping you do this stuff. And again, we don't need any payment from this. This is... my Bible says to take care of widows, and that's what I'm doing. So... and it's our honor to do that for you

Caller: I don't know what to do. My husband just died within the last week or so. Dave Ramsey: Oh, my. Caller: And I went to call my sister, only to find out that her husband had died in February. So, we're both in the same boat. But the reason I called is because I don't know exactly what I should be doing in terms of the mortgage. I received a letter from the mortgage company where they were doing the annual escrow analysis, and they've upped the mortgage payment almost $1,000. Dave Ramsey: Mmh. And how old are you? Caller: 76. Dave Ramsey: How old was your husband? Caller: 85. Dave Ramsey: What happened? Caller: He fell at home and he went to the VA hospital, and they in turn transferred him to a civilian hospital, and seven days later he died. They don't know exactly why he died; they were guessing. But... Dave Ramsey: What was his name? Caller: Monroe. Dave Ramsey: So, do you have children? Caller: He has three grown children. I have three grown children. They're all on their own. Dave Ramsey: Which one of your three children is the responsible one? Caller: My daughter. Dave Ramsey:Didn't take long to come up with that name. Call her today, okay? Call your daughter as soon as you hang up with us, and then we will have one of our coaches call you within 24 hours, and we'll make sure you got food money set up. We'll make sure that you got a good budget and you got a good handle on where you are. Somebody walking with you and helping you do this stuff. And again, we don't need any payment from this. This is... my Bible says to take care of widows, and that's what I'm doing. So... and it's our honor to do that for you

Brown Legacy

454,197 просмотров • 2 месяцев назад

Dave Ramsey was shocked after a couple stopped worrying about their $190,000 student loans because they expected forgiveness after 20 years. Then they checked the balance. It had exploded to $250,000. Dave Ramsey: “what’s your house hold income” Caller: “He makes about $90,000 a year” Dave Ramsey: “What other debts do you have” Caller: “The school loans, a camper for about $14,000 and we had to buy a truck to pull the camper and we owe $38,000 on that” Dave Ramsey: “So you keep doing stupid stuffs. Let’s go buy a $38,000 truck to pull a camper?”

Dave Ramsey was shocked after a couple stopped worrying about their $190,000 student loans because they expected forgiveness after 20 years. Then they checked the balance. It had exploded to $250,000. Dave Ramsey: “what’s your house hold income” Caller: “He makes about $90,000 a year” Dave Ramsey: “What other debts do you have” Caller: “The school loans, a camper for about $14,000 and we had to buy a truck to pull the camper and we owe $38,000 on that” Dave Ramsey: “So you keep doing stupid stuffs. Let’s go buy a $38,000 truck to pull a camper?”

Percy

180,862 просмотров • 3 месяцев назад

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 просмотров • 1 месяц назад

Caller: "I just recently graduated from residency to become an orthodontist, and I have student loans totaling just over $1 million. "My interest alone is about $5,800 a month." Dave Ramsey: "You're kidding." "What were you thinking?" Caller: "Well, I wasn't thinking, clearly." "My fiancée and I are trying to figure out the best way to attack this debt." Dave Ramsey: "What will you be making as an orthodontist?" Caller: "About $250,000." Dave Ramsey: "If you make $250,000 a year, why are you only putting $120,000 toward your debt?" Caller: "We're going to put as much as we possibly can toward the debt." "We're hoping to eventually make payments of $20,000, $30,000, or even $40,000 a month." "Otherwise, I'm just up a creek without a paddle." Dave Ramsey: "If you only pay $10,000 a month, you're only clearing about $4,200 a month against a $1 million principal. It's going to take you decades at that pace." Caller: "Yeah, that's what we realized when we looked at the numbers." Dave Ramsey: "You and your fiancée have got to live like you're completely broke because you are broke." "You are a negative millionaire." "You shouldn't see the inside of a restaurant unless you're working there." "Every dollar that isn't keeping the lights on needs to be thrown at this monster." "You need to grow that practice so you can start throwing $20,000 or $30,000 a month at this debt. That's your only way out."

Caller: "I just recently graduated from residency to become an orthodontist, and I have student loans totaling just over $1 million. "My interest alone is about $5,800 a month." Dave Ramsey: "You're kidding." "What were you thinking?" Caller: "Well, I wasn't thinking, clearly." "My fiancée and I are trying to figure out the best way to attack this debt." Dave Ramsey: "What will you be making as an orthodontist?" Caller: "About $250,000." Dave Ramsey: "If you make $250,000 a year, why are you only putting $120,000 toward your debt?" Caller: "We're going to put as much as we possibly can toward the debt." "We're hoping to eventually make payments of $20,000, $30,000, or even $40,000 a month." "Otherwise, I'm just up a creek without a paddle." Dave Ramsey: "If you only pay $10,000 a month, you're only clearing about $4,200 a month against a $1 million principal. It's going to take you decades at that pace." Caller: "Yeah, that's what we realized when we looked at the numbers." Dave Ramsey: "You and your fiancée have got to live like you're completely broke because you are broke." "You are a negative millionaire." "You shouldn't see the inside of a restaurant unless you're working there." "Every dollar that isn't keeping the lights on needs to be thrown at this monster." "You need to grow that practice so you can start throwing $20,000 or $30,000 a month at this debt. That's your only way out."

Bee♧

92,731 просмотров • 1 месяц назад

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.”

KΞRL_✂️

559,375 просмотров • 3 месяцев назад

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 ♠️

57,174 просмотров • 1 месяц назад

Caller: “My husband and I make $80,000/year and we bought an $800,000 house”. “My in-laws covered $300,000 of the down payment, but here’s the catch”: “When the house sells, my in-laws get their $300,000 back PLUS a cut of the profits”. Dave Ramsey: “What an abusive mess.” “You bought a house you can’t afford.” “You shouldn’t have done that.” Caller: “i want to know how much financial input my in-laws should have…” Dave Ramsey: “That ship has sailed, they own part of your life now. SELL THE HOUSE”

Caller: “My husband and I make $80,000/year and we bought an $800,000 house”. “My in-laws covered $300,000 of the down payment, but here’s the catch”: “When the house sells, my in-laws get their $300,000 back PLUS a cut of the profits”. Dave Ramsey: “What an abusive mess.” “You bought a house you can’t afford.” “You shouldn’t have done that.” Caller: “i want to know how much financial input my in-laws should have…” Dave Ramsey: “That ship has sailed, they own part of your life now. SELL THE HOUSE”

_Chase😈

2,475,914 просмотров • 2 месяцев назад

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.

‏ً

283,284 просмотров • 1 месяц назад

CALLER: “Hi Dave, I just inherited $50,000,000 in cash and I don’t know what to do with it.” DAVE RAMSEY: “Who in the world left you $50,000,000?” CALLER: “My parents. My dad was into everything — real estate, car dealerships, private jets.” DAVE RAMSEY: “Okay… first thing. Don’t do anything rushed. Don’t touch it yet.” CALLER: “Really?” DAVE RAMSEY: “The people who have the most fun with money are the ones who give. Wealthy people who give are the ones who actually enjoy it.” A MAN INHERITED $50,000,000 IN CASH AND STILL CALLED DAVE RAMSEY FOR ADVICE. THAT’S EITHER THE SMARTEST THING OR THE MOST HUMBLE THING I’VE EVER HEARD.

CALLER: “Hi Dave, I just inherited $50,000,000 in cash and I don’t know what to do with it.” DAVE RAMSEY: “Who in the world left you $50,000,000?” CALLER: “My parents. My dad was into everything — real estate, car dealerships, private jets.” DAVE RAMSEY: “Okay… first thing. Don’t do anything rushed. Don’t touch it yet.” CALLER: “Really?” DAVE RAMSEY: “The people who have the most fun with money are the ones who give. Wealthy people who give are the ones who actually enjoy it.” A MAN INHERITED $50,000,000 IN CASH AND STILL CALLED DAVE RAMSEY FOR ADVICE. THAT’S EITHER THE SMARTEST THING OR THE MOST HUMBLE THING I’VE EVER HEARD.

Owen

3,933,752 просмотров • 3 месяцев назад