No video :(

Should We Pay Off Debt or Save for Medical Expenses?

Подписаться 3,3 млн

Просмотров 33 тыс.

50% 1

Should We Pay Off Debt or Save for Medical Expenses?
Say goodbye to debt forever. Start Ramsey+ for free: bit.ly/3g11A2V
Visit the Dave Ramsey store today for resources to help you take control of your money! goo.gl/gEv6Tj
Did you miss the latest Ramsey Show episode? Don’t worry-we’ve got you covered! Get all the highlights you missed plus some of the best moments from the show. Watch debt-free screams, Dave Rants, guest interviews, and more!
Want to watch FULL episodes of The Ramsey Show? Make sure to go to The Ramsey Show (Full Episodes) at: www.youtube.co...
Check out the show at 4pm EST Monday-Friday or anytime on demand. Dave Ramsey and his co-hosts talking about money, careers, relationships, and how they impact your life. Tune in to The Ramsey Show and experience one of the most popular talk radio shows in the country!
Ramsey Network (Subscribe Now!)
• The Ramsey Show (Highlights):
www.youtube.co...
• The Ramsey Show (Full Episodes): www.youtube.co...
• The Dr. John Delony Show: www.youtube.co...
• The Rachel Cruze Show: www.youtube.co...
• The Table with Anthony ONeal: www.youtube.co...
• The Ken Coleman Show: www.youtube.co...
• The Christy Wright Show: www.youtube.co...
• EntreLeadership: www.youtube.co...

Опубликовано:

10 июл 2021

Ссылка:

Скачать:

Готовим ссылку...

Добавить в:

Мой плейлист

Посмотреть позже

Комментарии : 106

@MP-nj1qy 3 года назад

My biggest fear of becoming a parent is to have a child that sick.😔

@jairdisciple 3 года назад

If you ask this dad he would do it all over again.

@joshr585 3 года назад

@@jairdisciple I’m the dad. Can confirm

@blackworldtraveler3711 3 года назад

Biggest fear should be debt and paycheck to paycheck with kids from not planning ahead of time.

@jairdisciple 3 года назад

@@joshr585 you sound like a great dad. 👏 Praying for healing and provision over you guys!

@joshr585 3 года назад

@@jairdisciple appreciate it

@zeezeebo 3 года назад

Wishing your son a speedy recovery from his condition!!! ❤️

@markratigliano7511 3 года назад

Medical insurance in this country is a complete rip-off

@bobprice9541 3 года назад

And none of our leaders really want to fix it. If they did it would be fixed.

@Mansini77 3 года назад

Most insurance is a rip-off, until you need the insurance.

@blackworldtraveler3711 3 года назад

@@bobprice9541 Some of us don’t wait. We figure things out ourselves and do fine. Taking care of myself and eating fresh healthier food takes priority over new car debt. Figuring out how to pay zero premium for health care is more important to me than getting in debt for a swimming pool.

@blackworldtraveler3711 3 года назад

@@Mansini77 Insurance just paid over 90% of my orthodontist bill for my braces and I’m retired.

@bobprice9541 3 года назад

@@blackworldtraveler3711 what does that have to do with fixing healthcare? I delay getting a new car also to save for more urgent things but healthcare is still broken. Other countries have this taken care of but not us.

@GitarPicker 3 года назад

Good call, tough situation

@bandyj20 3 года назад

I had a similar situation regarding a medical procedure that insurance would not cover, but I just rolled what I could not cover with the emergency fund into the debt snowball, which was about $10k. We also get killed by dental work as well. The combination of medical and dental expenditures has slowed my debt snowball, but it will not stop us.

@clement2780 8 месяцев назад

im glad ramsey still thinks people first

@djpuplex 3 года назад

Gotta love the American health scare system. 🤡💩

@blackworldtraveler3711 3 года назад

Non issue with me and many I know but we are financially responsible, we plan, avoid debt,and take better care of ourselves health wise.

@bobprice9541 3 года назад

@@blackworldtraveler3711 non issue until you get sick and the costs insurance doesn't cover wipes out your savings.

@bigpicturethinking5620 3 года назад

Pay off debt and get a job that has good medical insurance.

@elianah8803 3 года назад

Probably has good insurance. Even if you use preferred providers and obtain pre-approvals, you’re ultimately responsible for all charges. Welcome to health care in America.

@joshr585 3 года назад

We’re about to both be self employed and we wanted some input on the “worst case scenario” for our healthcare situation. Plus in southeast Idaho there isn’t really such a thing. It was one of the things we overlooked before moving here. Wouldn’t go back, but it means there’s some extra hurdles.

@bigpicturethinking5620 3 года назад

@@joshr585 Well it sounds like you are doing more than most by even considering a strategy beforehand. I wish you and your family the best!

@sammiecollier8783 3 года назад

I’m grateful that I live in Canada and don’t have to worry about paying for medical treatment.

@hall0341 3 года назад

How much do you pay for medical coverage?

@sammiecollier8783 3 года назад

@@hall0341 it’s free!

@Gareth_Mayers 3 года назад

Like most everywhere else in the world. Its just Americans that are in this strange situation. Even their fire service is not free. A fire truck will come and watch your house burn down, but be present to make sure your neighbours who pay their fire bill house dont burn. The strange thing is you get it, if you put out the fire then other people will think its ok to not pay that bill. So no one is to blame but when things like that happen it points to a system being wrong.

@hall0341 3 года назад

@@sammiecollier8783 it's not free. You don't pay at point of use, but you pay a fixed amount based on your income and family size. Do you not know how your individual tax burden is broken down?

@hall0341 3 года назад

@@Gareth_Mayers that isnt how our fire system works. That was tried in some areas long ago and done away with. Tax bills are uses to fund fire serves in America as done in most of the developed world.

@elianah8803 3 года назад

After you meet an insurance deductible, you will reach a max out of pocket with the insurance company. Medical providers are not beholden to that max out of pocket. Anesthesiologists, radiologists, CT /MRI fees, laboratory, surgeon, all of these providers expect you to pay their fee, whether they’re a preferred provider or you’ve reached your annual max out of pocket. Thats between you and the insurance company. Providers will expect to be paid and obtain your signature to ensure that they do. It isn’t realistic for this family to expect that everything will be paid once the deductible/max out of pocket are paid. It’s possible but unlikely.

@blackworldtraveler3711 3 года назад

Another reason to have a very large emergency fund and read your documents.

@garburto 3 года назад

Sold a house in California and moved to Idaho. Great move, but your neighbors probably hate you.

@joshr585 3 года назад

I just tell em “we owned guns before we got here” and “I was born there it’s not my fault” So far that’s worked lol

@garburto 3 года назад

@@joshr585 that’s a good move. All we ask is that you don’t try to change the community you move in to. You came here for a reason, so keep the environment the way it is. :)

@mattcrouch9348 3 года назад

@@garburto Heh. Love it or Leave It! Do not try to improve the place you live in!

@mattcrouch9348 3 года назад

It's almost certainly posssible to go to another country for the surgery, getting it for 25-35% of the price that US health care system demands.

@tonythaiger93 3 года назад

Thailand probably charge $5000 not 55k

@blackworldtraveler3711 3 года назад

Spent overnight in one of the Thailand world class hospitals a few years ago with a broken toe and sprained ankle. Had two nurses tend to me and American doctor. Along with X-rays,boot,and crutches is cost me $150 cash. They faxed all medical info to my doctor in the U.S..

@StacyWorth 7 месяцев назад

Thoughts on best medical insurance? Aflac supplements? Med share Zion health?

@CaseyBurnsInvesting 3 года назад

Kid is tougher than me, that’s for sure.

@genwunner6783 3 года назад

Good generic comment

@Prod1jbtc 3 года назад

@@genwunner6783 He’s on every Dave Ramsey video leaving generic comments. Maybe he thinks it will grow his channel or something. I hate channels that do that, I get you want exposure, but these channels never say anything valuable. Seems like lazy marketing to me.

@user-jy7yw5kw3w 3 года назад

@@Prod1jbtc Casey is a great guy, with quality content. Channel deserves to be bigger, don't see nothing wrong with comment hustling to get there.

@wewhoareabouttodiesaluteyo9303 3 года назад

Medical expenses is a debt. Smallest to largest.

@joshr585 3 года назад

@@SarahConnor562 it’s also our worst case scenario. HOPEFULLY some of it will be covered more thoroughly. But we want to approach it correctly.

@zeezeebo 3 года назад

What a shame, America!!! We shouldn’t be choosing between health and anything else

@BlessedbytheKingofKings 3 года назад

Pay off the debt first of course medical expenses do not charge interest.

@ISUringman1974 3 года назад

And where does the money come from to pay the medical bills?

@BlessedbytheKingofKings 3 года назад

@@ISUringman1974 they continue to make payments every month. Hospitals and Dr. offices will not send you to collections as long as you pay them something every month.

@DisabilityExams 3 года назад

If he doesn't pay his son's medical expenses the doctors will stop treating him

@elianah8803 3 года назад

Yes they do charge interest.

@bigbill74scots 3 года назад

Greetings from a civilised country is really all I can say.

@StephenIC 3 года назад

The fact that people don't even want to call an ambulance in the US because it will cost hundreds of dollars or more is so scary to me. Never mind cancer treatment and other things. We're very lucky in Europe.

@MaxSujyReact 3 года назад

Wait... he needs to pay for his child's surgery?

@vintagestereocollector4159 3 года назад

U know what I don’t understand with others they make more money but they owe a lot of money.That sucks!!!

@brainSull 3 года назад

It's a proportional scale.

@neolithic3 3 года назад

How much paid maternity/parental leave do Americans get when they have a child?

@joshr585 3 года назад

Federally none I’m believe. Companies offer it on a company by company basis.

@blackworldtraveler3711 3 года назад

Six weeks paid where I worked and more without pay. Also expectant mothers parking space.

@markvb5592 3 года назад

I like just Dave, Anthony o Neal and Ken Coleman

@jordilobon7528 3 года назад

Wouldn’t you be able to negotiate surgery payment easier, than debt?

@joshr585 3 года назад

Probably not since it’s gonna be going through insurance somewhere. We’re also going to have really good income leading up to this surgery (Jan 2023…I’m a planner) just only one year to save up. But that’s going to disqualify us for a lot of assistance and ability to negotiate.

@anneshirley9560 3 года назад

Wow. Not many views or comments. I know that it’s a newer video, but seems a lot lower than usual.

@blackworldtraveler3711 3 года назад

Should have been saving since teens regardless instead of spending and getting in debt. No early age limit for saving and building an emergency fund.

@blackworldtraveler3711 3 года назад

@@SarahConnor562 I’ve learned from what others have said they should have done since grade school so I had a point. I learn from other people mistakes. And you’re not doing anything new. Been there done that working full time paying my tuition out of pocket taking only $10k student loan with no scholarship because of listening to what people before me say what they “should have done” and took another direction. I’m a aerospace metallurgical engineer retired at 50 and stand by what I say.

@blackworldtraveler3711 3 года назад

@@SarahConnor562 I don’t care about any of that snowflake and feelings stuff. I don’t sugarcoat things especially to people I care about. You’re gosh dang right what I said is irrelevant to the caller. My post wasn’t even aimed at the caller. It’s too late for the caller and many here but not too late for young people that still have zero debt and not financially stupid.

@blackworldtraveler3711 3 года назад

@@Gulpathfinder I think that’s all in your mind. As the other guy said my post is irrelevant to the caller and I totally agree.

@abagofmilk3819 3 года назад

@@blackworldtraveler3711 I like the way you think

@igoiks 3 года назад

Idaho is full, stop moving here

@joshr585 3 года назад

It’s not my fault. I was born there

@senuauwu 3 года назад

50-50

@anonoo7074 3 года назад

He's got health insurance but decides to see a "specialist" in Florida when he lives in Idaho. Get better health insurance and find a specialist in your state

@arthrodea 3 года назад

It might be a doctor that has been caring for the child for years doing the prior surgeries. Typically the same surgeon will follow a patient like that.

@superblump87 3 года назад

Idaho has a very limited number of surgeons.

@blackworldtraveler3711 3 года назад

This is one of the reasons Canadians travel to the U.S. for healthcare.

@TheDjcarter1966 3 года назад

Why are you waiting to see what her new job insurance covers don't you have a job?

@wewhoareabouttodiesaluteyo9303 3 года назад

Farmers get horrible health insurance. I am assuming he is a farmer because he lives in Idaho.

@blackworldtraveler3711 3 года назад

This is what happens when you don’t plan for a family,,have no emergency fund, no savings/investments, no common sense,and plenty of debt.

@joshr585 3 года назад

@@blackworldtraveler3711 and how is this helpful. Seriously, every comment I see from you says “look how bad off you are you should have been smarter” how is that helping anyone other than making you feel good about making good decisions for you and yours in your life. That’s AWESOME. I’m happy for you. But not everyone has done that and they need to work through it. You’re on a channel where people come to get advice. Not flex on those who are putting in the work to get debt free because they’re already there. Stop.

@blackworldtraveler3711 3 года назад

@@joshr585 If you are already in a financial mess it don’t apply to you. Too late. Don’t apply to me or others with no financial issues. Anyone who has no debt and not financially stupid yet just starting out it applies. If that bothers you have a cup of tea or something.