All About Family Money Drama! | June 19, 2024

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The Ramsey Show (June 19, 2024)
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Dave Ramsey & Rachel Cruze answer your questions and discuss:
- "I did a bad deal with my parents and now I'm not getting paid,"
- "Is it possible to build wealth while renting?"
- Why you don't need to build your credit score if you don't plan on borrowing money,
- "I'm tired of paying so much in taxes..."
- "My husband gambled away our HELOC,"
- "My wife is a compulsive shopper"
- "What can I do to stop overdrafting my account?"
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Опубликовано:

18 июн 2024

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Комментарии : 162

@LordBass 8 дней назад

When Dave breaks out the "honey" to a dude in the first call, you know the episode will be a banger.

@brucefredrickson9677 8 дней назад

He wants to be sweet because his daughter is there.

@gormeroth 8 дней назад

It's such a disrespectful dbag thing to do.

@jeffreylong1478 8 дней назад

Calling a man ‘Honey’ is Dave’s way of calling him a dumb a** and not getting in trouble on RU-vid lol

@Aquaria2291 8 дней назад

@@gormeroth it was not very nice but I guess he gets crotchety when people don't make sense. The young man told like 5 versions and not a one added up, bless him. 😭

@Inakamo 8 дней назад

@@gormerothwhy it’s okay to call him honey because his math confuse me for 20 mins steaigh

@beynzpeyro 8 дней назад

Because I found The Ramsey Show, I ended up paying off the car I got for my daughter. Debt free here.😊

@melaniea4901 7 дней назад

As a recovering addict, 30 years clean and sober, I admit that manipulating people was almost as hard to quit as the drugs. So grateful for my recovery & rebuilt relationships! To the caller with the addicted husband, DO NOT ENABLE HIM & take care of you & that baby!❤ I’m on BS4-6 now! Thank you Ramsey for covering all aspects of life!

@madisontran3020 8 дней назад

“They’re too dead to do anything about it” Dave is so funny! 😂

@randybuyers 9 дней назад

I love Rachels plan for her Dad at work. Classic!

@lenisteingen3036 9 дней назад

Thank you for explaining the reasoning behind owning a home as a way to not have to pay for housing when retired. Now I get it.

@jon72592 9 дней назад

The first call me my head hurt

@rstanley2385 9 дней назад

This comment made my head hurt

@jon72592 9 дней назад

@@rstanley2385 lmao 🤣

@fundamonium 8 дней назад

I read this before hearing the full thing… but I literally have a headache now after watching 😂 what on Earth??

@pamsmith1665 13 часов назад

Me my head hurt too, as did your response

@ClutchSling 8 дней назад

Dave is in his no fucks given era 🎉🎉🎉🎉🎉🤣🤣🤣🤣🤣

@kellibuzzard9431 4 дня назад

😂

@kathymclaughlin2248 9 дней назад

Rachel is kind and tactful with callers.

@justinveenendaal3044 9 дней назад

But not helpful as her experiences are limited. Wisdom comes with age and experience. She should not be on this show.

@dropoutandretireearly1781 9 дней назад

@@justinveenendaal3044 I THINK RACHEL IS GREAT ON THE SHOW !!!! SHES AMAZING AND WELL TRAINED BY HER DAD !!!!

@bettedavis9261 8 дней назад

@@justinveenendaal3044then neither should the other personalities, especially Jade and George, with those parameters.

@justinveenendaal3044 8 дней назад

@@bettedavis9261⁠jade and George have at least walked some trenches and therefore have some experience. All Rachel can blabber about is ‘budget budget budget’

@bluebelle9572 8 дней назад

@@justinveenendaal3044she grew up and lived under the guidance of the man who did, she has valuable input.

@badlands9100 9 дней назад

Rachael I love your new hair style. But whats new. You can rock anything girl! Keep smiling and stay beautiful. Thank you for what you all do. Blessings!

@brucefredrickson9677 8 дней назад

What about Dave?

@belledelice9151 8 дней назад

@@brucefredrickson9677Dave have no hair and I think they’re talking about her dress styles!

@Iamearlbrown 8 дней назад

Dave really showed some restraint during Peter's call.

@steveclark5016 3 дня назад

It's so cool to see this father daughter relationship , you can see the love and respect and Admiration for each other.

@badlands9100 9 дней назад

Rachel- can you consider designing a clothing line for us women ? Many would agree that your style is so classy and beautiful . I will pay the price and buy the style! Can you also add the nail polish as well? Please do it !

@madisontran3020 8 дней назад

Agreed. She’s so classy yet refreshing

@dorinmazilu7996 8 дней назад

She is also in good shape so everything looks good on her!

@brookebales2931 7 дней назад

She says buys many things just off Amazon 😊 or j crew etc.

@kellibuzzard9431 4 дня назад

Her hair is super cute these days. ❤

@Beepbopboop19 День назад

I ALWAYS love everything she wears! I'm sure she's got a stylist, but they could do a line together.

@gladyramos-adams5342 7 дней назад

1:12:25 I'll apply now as a private nurse for a grumpy old Dave 😅😂😅😂. Great sense of humor, you two!!

@Kayyynicoleee 8 дней назад

Loved the education on homeownership. It makes so much sense 💡❤

@ryank2434 9 дней назад

Dave is the goat 🐐

@dropoutandretireearly1781 9 дней назад

YUP !!!! HES THE BEST !!!! If anyone says he's not that just tells me that they haven't listened to him long enough !!!! LOL !!!!!

@sarahshealthyrecipes 5 дней назад

Cute haircut, @rachelcruz❤ Thanks @daveramsey for explaining the difference between a traditional IRA and a ROTH. I've always struggled to remember the differences. Great show as always 🙌

@miloseveggies8064 8 дней назад

Rebecca from Toronto sounds like she's being held at gunpoint in a closet while the police are searching the house

@kellibuzzard9431 4 дня назад

😂

@pamsmith1665 12 часов назад

Yes she really needs to grow a pair and call lawyer because her mother never will

@cc-iq2bs 4 дня назад

I like the no debt , I like having no payments to anyone or any company . I'm glad I smartend up, and now I'm free of debt and I keep a strict discipline on staying away from credit , cards, loans and all that Its nice for most part I have 2 plastic cards, and 1 is my driving licence, the other a debit card No way osay I like my freedom and nothing, absolutely nothing is wrecking my reclaimed life .

@MsValiG 9 дней назад

Is a math nerd, I have a headache after the first caller

@kellibuzzard9431 4 дня назад

And the circular, low-energy, young man rant vibe. 😂

@stuemler 8 дней назад

I would love 92 year old Dave. I'd be 62 🥲

@Jetup24 8 дней назад

Dave is 63 years old

@kellibuzzard9431 4 дня назад

@@Jetup24she knows. She's projecting 30 years into the future.😂

@beckygeer6480 9 дней назад

Peter is taking the polite Canadian a bit too far. Why would he not want to be added to the deed of their family home, especially if he paid off a mortgage that was not necessary but for her spending?

@BeeDee-qs9so 9 дней назад

As a Canadian, I agree completely. Don’t tell anyone, but I wanted to throttle him. We Canadians are kind but not without IQs. 🙄🤫 (Well, okay - Not ALL of us are kind…😃)

@ThePolypam 9 дней назад

It's not his Canadian politeness. He's a total beta.

@gourabsarker9552 8 дней назад

@@BeeDee-qs9so Sir how much do you earn a year in Canada? Plz reply. Thanks a lot.

@tracicross5253 8 дней назад

My husband and I have yours mine and our accounts. The our account is the house account. House payment, utilities, and food budget goes into this account. We both put equal amounts into this account. This way there are never any questions about the mortgage or utilities not getting paid. This is automatically put in from our checks. We discussed the house income and agreed to do this. We’ve both had bad marriages that the other didn’t manage money well, so this is not a bargaining account. It can only be used for what it is designed.

@joleebertsch 3 дня назад

this makes me feel better about dave being there at 92 🤣 We were scheduled to do our debt free scream in 2020 and well didn't get to cause well 2020 - My dream is to go when we reach everyday millionaire status! Hoping Dave will still be around the studio then & we can shake his hand & thank him for setting us straight 😆

@bettedavis9261 8 дней назад

1:09:30 ish...Maybe in Tennessee, there are separate facilities for Medicaid patients vs private pay patients, but in my state, the skilled nursing facilities are the same, whether you are a Medicaid patient or private pay. There can be a Medicaid patient in the same double room with a roomie who private pays. The care is exactly the same. Now, you definitely have to shop around because facilities aren't created equal, no matter how you pay.

@jjkatz 8 дней назад

Agree, he always says that but as a nurse I can verify that both Medicaid and private pay patients get the same care.

@fourdayhomestead2839 5 дней назад

Private pay tend to have an entitled attitude. I live in an area that has all levels of wealth (cared for them equally).

@agingacademy 9 дней назад

While i like this show, i do get tired of how stupid people continue to be.

@lawandahilaire5057 7 дней назад

When Dave does the “Hmmm Mmm” in the low tone…underneath that is judgment!

@kellibuzzard9431 4 дня назад

😂

@jjkatz 8 дней назад

Love Rachel! She’s so sweet!

@oceansky6207 8 дней назад

Love Valerie’s energy!

@jaijai1132 9 дней назад

1:59:31 Behind on your mortgage, but private catholic school is important to you? Kids love a place to call home. For their sake, please get on the same page with money, the kids and learn how to prioritize. Even roommates are closer.

@striperkid 7 дней назад

Jill & Holly, oh my. Only way to fix both of your issues is gambling and marriage counseling. If either men refuse to go, eject and move on.

@MoGood2158 8 дней назад

1:56:18 Wow….What a powerful statement by Pres. Abraham Lincoln!

@brucefredrickson9677 8 дней назад

Amber from Dallas: Why did you have a baby when you have MS and still unsettled with all of your disability issues?

@alleykeosheyan4779 8 дней назад

Not to mention not married. She had no business having that baby.

@MsValiG 5 дней назад

I feel sorry for a baby coming into this world with a mom who sounds she has given up already

@pamsmith1665 11 часов назад

She likes it

@hannah_githuki День назад

Someone asked if the Uncle has to be ugly ..hahaha ..ya'll too funny.

@jpsy422 8 дней назад

The 401k vs Roth conversation assumes you can put $1000 of post tax dollars in when you are putting in $1000 of pre-tax. You need to compare $1000 trad vs $650 Roth.

@baitroyale6070 8 дней назад

Exacly there are also other nuances that Dave will never address. For instance your first 12k right now is tax free as income. So if you only draw from Roth in retirement you miss out the opportunity for getting that extra 12k of tax free income from a traditional. Also there are tax advantages for all the church people wanting to tithe or give. If you give from a Roth there is no way to take advantage of those tax codes for charity. But it’s good that someone is paying attention good for you.

@BP_PE90 8 дней назад

Roth costs you your current marginal tax rate to invest today. Traditional you pay an effective tax rate on your annual distributions. If you have a 35% effective tax rate in retirement, congratulations, you’re so rich taxes don’t even matter. The other thing I hate is this “taxes always go up” crap. Taxes are lower now than they were previously so this argument is nonsense. That’s not to say they won’t be higher, but to say that they always go up is just wrong.

@Zach290197 33 минуты назад

How do you upload episodes this long without timestamps?

@ianpatgriffin 8 дней назад

Arizona is cute! Luke and her are a great couple and I’m glad they were able to be lazer focused on their goals.

@bettedavis9261 8 дней назад

She and Luke

@mandypdx День назад

Rachael is my favorite 🤩

@TargetedIndividual 9 дней назад

I’m curious about the Ira argument. I just realized that the pre tax traditional is actually more money compounding. The Roth would be taxed already and would obviously be less money invested. I know the amount invested would be different and the gains are theoretical. Still it’s an equation that hadn’t previously thought of.

@aaronmoore8996 9 дней назад

Yes traditional is more money compounding but you will pay the income tax on the money when you draw it, therefore you’re paying tax on the growth at whatever the tax rate may be at the time you began to draw. The Roth option allows you to pay the taxes now, and the money grows tax deferred. Hope this helps.

@jaijai1132 9 дней назад

I completely understand what you’re saying. Unfortunately, people just accept arguments around ROTH vs. Trad as gospel without thinking it thru and running their own math for their specific situation. I simply don’t think ROTH is universally a better option.

@bettedavis9261 8 дней назад

Hmm. I remember Dave saying numerous times (and he infers it in this call) that you invest the same amount of money, whether traditional or Roth. You just need to have the tax money available upfront for the Roth. In that case, the amount compounding is the exact same, but with the Roth you don't pay taxes when you withdraw the funds.

@CharlotteCarMoments 8 дней назад

I used to think it was good to put money in a regular 401K instead of the Roth 401K because of the tax benefit. Then I saw calculations that showed the growth of the Roth over 10-20 years and realized that having that growth all be tax free is a way better deal! Not to mention that you can typically afford the taxes when you're working, but paying taxes hurts more when you are living on a retirement income.

@brucefredrickson9677 8 дней назад

@@jaijai1132 Don't forget..."your IRA is an IOU to the IRS. I'm doing Roth conversions for the past several year so I can be done with the tax issues. Taxes have to increase given our huge national debt.

@saurabhbagai5982 8 дней назад

Why didn't Dave give Luke and Arizona a free cruise, you have one coming in 2025... Lol

@jeanniedevine815 4 дня назад

Uncle Dave, you can hire me to take care of you❤😊

@barbmac75 4 дня назад

You can REALLY tell Dave HATES sending money to the IRS 😂

@harrizona_268 2 дня назад

why cant he write off the building for the money from the cattle sale? if it's all under the same llc/business? im assuming the building is for profit for the biz, like a farm stand or something

@tomhocutt2013 8 дней назад

It works be hard for me too give up a Camey no matter how much rvd payment was.

@marziehardestani4497 3 часа назад

Where is part 2? What was his answer?

@tequiladenise7787 8 дней назад

They just chose not to pay relatives. They will pay strangers but ghost family members. I’m on the same situation with a lease. Can’t get rent for ish! I’m about to get a property management company involved

@gur123noor День назад

Where’s the full video/ the answer part?

@raenapote759 8 дней назад

Valerie is cracking me up 🤣😂

@brucefredrickson9677 8 дней назад

Yes...for the wrong reasons.

@pamsmith1665 11 часов назад

I found her INCREDIBLY annoying

@bananasforbikes 8 дней назад

You don't pay 300k taxes on a million unless you took it all out in the same year. If you and your spouse took out 50k a year you would pay 12% taxes. Dave is ignoring tax brackets. You only pay 33% on any amount above 330k.. Noone is taking that much out and you don't pay a flat 33% in the whole 330k just on any amount above it.

@bananasforbikes 8 дней назад

The best reason dave has to go with a Roth is because no minimum withdrawal and because people suck with money so you pay more in taxes with a Roth but you are better later

@BP_PE90 8 дней назад

Yeah everyone pushing only Roth is oversimplifying it to meet their narrative. Now I think it’s good to have both. But the more money you make, the more you should skew to traditional, in my opinion.

@andrewsnyder9262 8 дней назад

@@BP_PE90yes I think it makes sense for higher income people in the highest tax bracket. Saving that high tax rate is quite a return on its own but for most of us making less than $300k per year, max Roth accounts first since we all know where future taxes are going.

@BP_PE90 8 дней назад

@@andrewsnyder9262 at this point I think we are talking about optimization. I don’t think it’s wrong to go any direction. If someone is maxing out traditional or Roth, they will probably be okay. Obviously, the person going the Roth route will have more spending power in retirement, but they paid more to get there. Roth costs you your current MARGINAL tax rate to make that contribution. Traditional saves you your current marginal rate today. But traditional accounts are only taxed as they are distributed, so you pay an EFFECTIVE tax rate on those distributions. That is because some of the distribution is not taxed (standard deduction), some taxed at 10%, some at 12%, 22%, 24% etc. The only way it’s more effective to do Roth is if your effective tax rate in retirement is higher than you current marginal tax rate. Currently, I do 25% Roth and 75% traditional. Even though I believe it’s more optimal to go traditional, Roth is simple and can be useful for controlling your tax rate in retirement. My plan is to also aggressively do Roth conversion la before SS (if we still have it) and before RMDs. The best thing about Roth, it sure does simplify planning, and you know exactly how much money is yours.

@rpcp5v18 3 дня назад

That’s not how it works. You have minimum distribution requirements with Traditional Retirement accounts, meaning you will have a minimum amount of money you will have to withdraw from your traditional retirement account and depending on how big your balance is, that could put you into a higher tax bracket than 12%.

@100jakkk 6 дней назад

1:11:50 it requires its own highlight 😂

@YahBless7 6 дней назад

All praises to Our father yah for letting others reveal Our truth!!!

@billybarber8746 8 дней назад

Aren’t the Roth IRA assets subject to estate tax?

@mmp495 8 дней назад

Dave "Grumpy" Ramsey 😂 I love Rachel. ❤

@ericbowman9738 7 дней назад

The dude at 1:35 is a complete simp. How does he not understand the absurdity of the situation with his wife spending over 100k on credit cards. Unbelievable.

@brookebales2931 7 дней назад

Man, Rachel and her siblings and grandkids, are gonna get so much money ha, they don’t even need to invest a lot lol. What a blessing 🤍 That is if Jesus doesn’t come back before then 😉 Uncle Dave, you can add this “long lost niece Brookie” to your will 😂

@badlands9100 9 дней назад

Hey Dave- Hire me- I will teach you Spanish for free! Lol but true! Your awesome Dave and Racheal.

@pamsmith1665 10 часов назад

You're

@MsValiG 7 дней назад

Just to hear mooing" 😂

@MaMa-jh6bb 4 дня назад

1:00

@cerbico12 8 дней назад

I have always rented. My rent is cheaper than what my parents paid in taxes on their home/yr. Buying a home is buying a lifestyle. It is not a good investment. Buyi a house if you have kids or if it makes you happy. jmo

@kellibuzzard9431 4 дня назад

I hear you. What is your plan for housing in retirement? Expecting that when the time comes, you'll find something affordable on your retirement budget?

@mandypdx День назад

Wow! Where do you live?

@georgeslupski5987 9 дней назад

Does this "kid" even have a GC license? Those are not that easy to pass and he doesn't seem with it

@ThePolypam 9 дней назад

He's one of the dumbest callers I've ever heard.

@brucefredrickson9677 8 дней назад

@@ThePolypam Not dumb...probably naive and got out of his lane on this issue.

@dropoutandretireearly1781 9 дней назад

DAVE !!!! Im gonna be there on the 27th on Thursday next week !!!! Can't wait to give you another 6 house paid off hug buddy and cash saved up for number 7 next !!!!! LOL !!!! This is "THE DOUG" from "THE RAMSEY BABY STEPS" COMMUNITY !!!! Hopefully Grady will be in the audience. He's a fun old man !!!!

@pamsmith1665 10 часов назад

Alan is going to have a hard time making deliveries with one leg on crutches

@holandx 9 дней назад

It’s disgusting to see these people say to a 86 year old woman that the best option she has is going to a pt job, you guys have no empathy nor compassion