Stop Trying To Figure Out Where Your Money Is Going, and Tell It WHERE To Go!

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The Ramsey Show (March 7, 2023)
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Опубликовано:

15 сен 2024

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Комментарии : 128

@furgulley8077 Год назад

So happy for patrice! I'm a letter carrier as well and did the same exact grind. Paid off my mortgage on july 1st 2022 by working when nobody else would. So many similarities with listening to the podcast daily to keep me motivated. I finally got off of the overtime desired list last month after being on it since march 2014. Now I'm trying to train myself to slow down and back the hours down after all that time.

@christopherhernandez3909 Год назад

Good work 👏

@mgb5170 Год назад

I feel like Dave is genuinely proud of people who break through debt. He is like a big papa bear.

@danaguyer8863 Год назад

Baby step 1 already saved me... car starter issue would have been seriously painful without my emergency fund... only 25% left on baby step 2!

@latinalopez2385 Год назад

That's my bestie! Super proud of you Big P! 💚 Tons of love to the Ramsey team and thank you for letting Patrice know that she definitely has the swagger now 😀

@autordijanaferkovic Год назад

We have all fell in love in Patrice. Tell her some of us teared up. We wish her all the success in the world. She's awesome.

@loctown7775 Год назад

Love that NY swag! Got cousins in Long Island with the same swag/accent 😄 Big ups from LA! Congratulations Patrice! Keep achieving your dreams ✊🏼

@margie909 Год назад

So inspiring Patrice!!!!!

@mmp495 Год назад

Much love to Patrice. She didn't let anyone or anything get in her way. I felt that. 💕💕💕

@kellyc9539 Год назад

Caller Jeff’s poor kids. His wife, their mother, passed away 1 1/2 years ago. Jeff is already getting remarried and selling the house that his 18 year old daughter still lives in, to go get remarried. Now he’s asking his kids to not take Money that their mother left them so that he can buy a new house with his future wife? That call had snake written all over it. Those poor kids. It seems like Jeff is more interested in his new wife, then his poor two children who are likely still devastated from the death of their mother and now have to deal with their father selling their house to move to another state and get remarried.

@oscarrodriguez1068 Год назад

He’s a snake. His dying wife knew it and that’s why she had him sign over a portion of the house to the kids.

@maryknight6020 Год назад

Agreed!! Something is fishy! 😢

@sebunney1 Год назад

What do you want to bet there is something to do with persuasion by the new wife?? Just my guess, just a hunch on other relationships I have seen. Give the kids their money, set them up with a financial advisor, and keep talking to them about making wise choices with money. If he wants to save his relationship with his kids, that's what he will do. I hope I'm wrong and the new wife is not asking for anything, like money towards her new house, but I agree, it's fishy.

@SKC1913 Год назад

And he admitted he wanted to take the money from them to buy a new house with “nice”fiancé. I hope they don’t give to their father. He’s a snake and so is the fiancé

@BradDiBenedetto 11 месяцев назад

Yea dude was trying his best to sugarcoat it. He’s getting played by the new woman

@deenebrakefield1798 Год назад

This is my first comment on Dave Ramsey show ! Ive been listening daily for months... WAY TO GO PATRICE! Really proud of you too! From Arizona

@nuggiesmommie5689 Год назад

Thank you Ramsey team for providing a debt free scream platform. A lot of people either don’t understand or support the celebration of accomplishing this journey. It’s not a boastful act, but a place where support, understanding, and most importantly validation is given to many who can’t find it elsewhere. Thank you!

@ennellesperance1186 Год назад

Shout out to our L.I. Letter carrier! Repping NY 🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉

@brookelondon8029 Год назад

I have loved all my letter carriers over the years. I never realized that everybody else loved them too!

@gamer3642 Год назад

I loved Patrice segment what respect I have for her such a hard worker and grinder!

@maryallen1017 Год назад

I drive a 11 year old vehicle with 89,000 miles on it. It runs great. I have never had any problems with it. If all goes well I hope I can drive it for 10 more years. "I feel good" every time I get in it to drive.

@stosh6586 Год назад

Way to go Patrice! Love your attitude and hustle. ⭐👏👍 My Dad was a mail carrier and raised 5 kids and sent all of us to college. The USPS can be a great career as you have shown if you are willing to cash in on the overtime opportunities. Keep it up!

@JMay-pl5ge Год назад

Loved Patrice's story and determination! Great episode!

@ThePrincessa29 Год назад

39:10 the kids have not shown that they’re being irresponsible and won’t be able to handle the money. It’s obvious the dad wants or needs it for his new wife. One year and he’s getting re married already? That’s sus.

@jjkatz Год назад

Agree and it’s a long distance relationship 🙄

@Jcruz388 Год назад

Way to go Patrice! From another letter carrier listening to Dave on the route :)

@carloscastillo626 Год назад

Dad caller sounds greedy to me, he is getting remarried and wants to take all the money for himself. Instead of taking the money back on his word he can teach them how to use the money wisely. Sign them up for financial peace University and teach them how to invest and protect that money

@arianavidal Год назад

I was thinking the same thing. Tell them that he wants the money (their mom's wish) to be a blessing to them and offer to pay for them to do FPU so they can learn how to be good stewards of that blessing.

@jordangarrick703 Год назад

Nah - the dad should keep the loot. The kids will be raiding his bank account as soon as the coroner finishes up - they'll get their share in the end. Let the Old Man enjoy his scratch while he can....

@trishmartin6410 2 месяца назад

It was his dying wife's wish that the kids each get a quarter of the equity. Then his dad is saying he wants to use the equity for a house that he and his new wife are going to move into?! Those kids would stop talking to him, and I wouldn't blame them.

@rhondaadams4013 Год назад

I love listening to Ken! He's so passionate about what he teaches.

@mmp495 Год назад

Way to go Patrice!!! I loved her story and her hard work. The American dream is alive and well! 🎊🎊🎊💐

@justincaldero5174 Год назад

Seriously! I see a lot of myself in her. Heart hustle and muscle!!

@lukelacasse6412 Год назад

gotta love Patrice. inspirational for sure! Dave is right - she is amazing.

@kathymiglio8196 Год назад

⭐⭐⭐⭐⭐Patrice you are amazing!!!! The sky is the limit for you, from a fellow New Yorker.

@brookebales2931 Год назад

Go Patrice! So inspiring you are. God bless you and your future.

@virginiakellock990 Год назад

LOVE DAVE & All of his crew !!!

@AllThingsMoneyandTech Год назад

I really hope it’s not the new wife persuading him to get more money in order to have more money for the new home. He’s not saying that but it seems odd it’s coming up now

@jjkatz Год назад

Yes and it’s a long distance relationship. Can never understand these people who have to rush into a new relationship with someone they hardly know.

@brookelondon8029 Год назад

Over the years, friends of mine had long distance relationships. They were madly in love and had never met. It only worked out one time. One woman paid for a guy to move here from Australia. If he can't afford airfare… And there are many stories of women being involved with multiple men online who send her tiny amounts of money every month but it adds up. I pity those children because they're going to have to live with his decisions.

@lovecats6856 Год назад

Yippee Patrice. I have a nephew who, when my Mum bought plane tickets on visa (which she keeps paid off) and she asked him to pay her back, said "why? Visa paid for it". They just don't understand.

@x_Artius_x Год назад

I’m sorry but that guy Jeff is a snake. You can hear it in his voice. It’s been only a year and he is getting married already? I think his wife did the best thing she could of getting his kids on the deed to the house. If the kids are smart they will take that money and keep it far from him.

@jjkatz Год назад

Agree

@av-lz5db Год назад

The wisdom of Dave ~ ~ ~aaahhhh. Ken is an added bonus.

@carolannstevens5814 Год назад

I agree!

@seanjean9677 Год назад

The widower need to give them kids their money!

@Newlaw289 Год назад

The 1st lady is cute, but why call if you like your current arrangement? It's like a validation call. Am I good? I know I am. Say it Ramsey!! SAY IT!!

@colleengarcia7752 Год назад

I suspect she was getting bad advice from family or friends or investment snake oil salesperson and she began to doubt her wisdom. I don’t think it was for bragging rights. She just needed assurance and confidence.

@ZoKitchen Год назад

she's humble ..stay blessed

@dianem4188 Год назад

Congrats Patrice!! You are a rock star🌟⭐

@bettedavis9261 Год назад

I must be "nobody." I've owned 3 cars that I drove until the wheels fell off. That was over a 40 year time frame. I now drive my dream car (Honda Accord). At 61, I plan on it being the last car I own (I only put about 4,000 miles/year on it.

@colleengarcia7752 Год назад

I drive mine till they die too.

@brookelondon8029 Год назад

I drove my Volkswagen for 14 years until the runningboards fell off. I just run a car until they don't go anymore and I do regular maintenance and do the tuneup's and get regular oil changes etc. etc. When I look at a car I have no idea what year it is and I often don't know the model. So nobody's impressing me at the stoplight!

@msktrina 10 месяцев назад

I AM SCREAMING! Also a sociology major- THE TEARS- YOU GO!! YOU GO PATRICE!!

@joyceneergaard4152 Год назад

Help the kids invest that 200K. Then they will have a head start becoming millionaires.

@lukehumphreymusic Год назад

Rent the house out and take the income until they get older.

@rebekahproctor4687 Год назад

Go Abby and Patrice! You guys both rock!

@vincentvalenzuela3069 Год назад

There is also a letter carrier in San Jose, Ca tuning in 8 hours minimum a day..

@jora1545 Год назад

That guy is trying to snake his kids out of the money his wife left them no wonder she did that

@user-ob5nk3ss1p Год назад

Yep. New wife and he is thinking of himself and her, not the kids.

@jordanhaugen9765 Год назад

100%! Can't believe Dave didn't see it sooner. Dude wants the equity for his new house !

@jora1545 Год назад

Hope it all works out for you

@elway423 Год назад

Love Patrice’s DFS awesome job from letter carrier 1:47:14

@seanjean9677 Год назад

He’s gonna use the money for his home with this other woman?! Loser!

@brookelondon8029 Год назад

What I was thinking was it doesn't sound like he taught his children anything about money even though he was on the plan for 14 years. Big mistake. Plus it's taught in schools and he's living that life. Do you remember when Dave said he sat his children down when they were 21 and told him what the amount of money was that he had and that they were stewards and it was a big responsibility. He didn't want them to think that was going to be OK for them to be trust fund babies living on a yacht! That's what should be taught to kids.

@aweisen1 Год назад

18:00 Absolutely, keep that $30k for living and residency interview expenses, not investments. She never said which medical school she's going to; I hope she isn't going to overspend on a degree that is the same from any other school that offers and MD/DO. Especially When a Step/Level2 exam score is the most important factor to get into residency. I can't wait to see the comments about how a particular medical school matters for skill/education... it doesn't, at all. You teach yourself all of the material anyway. It only matters for networking; the age-old classic where it's about who you know, versus what you know. A few caveats but, they all circle back to 'who vs what.'

@robp7538 Год назад

Get it Patrice!!!! Congrats!!!!

@seanjean9677 Год назад

Let them get their money!

@Christine-si8nc Год назад

Wow, love Patrice's story!!

@seanjean9677 Год назад

Go Patrice!!!!

@MrMistajone Год назад

35:41 Guy is getting married a year & a half after his wife passed, to a women that lives in another state..... & Dave is saying that he believes that he's genuine in his assertion that the reason he doesn't want his kids to have the money is because they would be "burdened" with such an amount... yea I call BS. The new women definitely wants that Mercedes

@oscarrodriguez1068 Год назад

He’s a snake.

@Qwackdawack 3 месяца назад

The dad wants to empress his new wife with deceased wife's money

@Trahern100 Год назад

I’m from Long Island when he said breaking all kinds of labor laws I felt that😅

@veronicacruz6919 Год назад

Sooooo proud of you Patrice!!! woot woot!

@yvettejk Год назад

I disagree that the excitement of having that car wears off in a month! Not true for my husband and I. We have been buying with cash for years and keep cars for a long time. My 2016 still feels new to me

@lejuanbass366 Год назад

My dad was much older than this man. He pledged all his financial holdings to me and 4 other siblings as he married a lady shortly after mom’s death. New wife had plenty from her deceased husband. He ended up splitting everything 6 ways, including her. When she’s gone, her daughter, who stole money from his accounts while he was dying in the hospital, will get all mom’s money. Sad situation

@rachelkruse9087 Год назад

The guy who quick claimed deed should tell his kids when they are ready to buy a home he will allow it as a down payment and then it will bless them later.

@petecates3186 Год назад

Convincing the kids to invest the money for a new home or long term investment would be great idea. At this point, trying to change what is going on and against the wishes of his deceased wife's estate, that is pretty fishy. Being a caller on the show, we only hear his point of view. We assume he is a good person, but could just a easily be a dirt bag. We have no idea if he is good or bad. We have no knowledge why the deceased wife wanted to do this. We don't know the situation, so we don't know if the deceased wife was not very financially savvy or if she was extremely financially smart and a lot more knowledgeable of what was going to happen.

@chriskim2770 Год назад

Love love the opening

@vinnietaganekurukuru8519 Год назад

Good on you Abby..congratulations

@TroyDStanley Год назад

Thanks for defending Sailors Dave. This old Sailor in a BSM.

@antoniosantiago9794 Год назад

Great show!

@marktolbert4047 Год назад

Self employed people get the worst deal when it comes to taxes!

@flotaylor8170 17 дней назад

As a “socialist”, I just want to say this. Most of us don’t think rich people should pay more, we just believe they should pay their fair share, which a lot of them don’t. I think everyone should pay a standard percentage, one that doesn’t take too much from those that can’t afford it, but is the same for all; 15 or 20% maybe? I don’t think that if you earn 10 times as me that your tax percent should be double, but even at 15%, that’s 10 times what I would pay.

@yanetrodriguezcruz3609 Год назад

I can be your company for ever. Not too expensive.

@theclothingcottage Год назад

So how many accounts are recommended as sinking funds? Dave didn't say it but assuming he recommends not mixing emergency funds with funds for car, travel.....

@inglesd90 Год назад

Stacey must be a saint to have put up with Ken for 25 years!

@autordijanaferkovic Год назад

why, Daniel, son?

@NextGenEvs Год назад

Yeah dude is obnoxious!

@lmao1915 Год назад

Ken is great

@thirdintegra Год назад

Who's putting up with you? Nobody probably?

@thirdintegra Год назад

@@autordijanaferkovic 🤣

@michaelfagan1507 Год назад

Thank you.😀

@seanjean9677 Год назад

He’s a greedy man!

@bendafixer4542 Год назад

Great discussion regarding taxes

@tlr1604 Год назад

Money Market is not FDIC or NUDIC or credit union-both are not insured

@erikrohr4396 Год назад

I hate when people ask for 5 star reviews. If they must ask, they should ask for accurate reviews.

@thirdintegra Год назад

So write a one star review and explain how you feel about this

@notgivingmyemail3381 Год назад

For someone who says “if you can’t say anything nice….” so often, he sure does call a LOT of people stupid when they don’t agree with his exact methodology.

@lartrak Год назад

The first older lady is unusual, a possible case for a fixed lifetime annuity. Someone who just can't handle volatility or any risk and is older. She could get guaranteed about 10% income returns for life with one at her age. If she thinks she could live into her 90s in good health, maybe an OK idea. One risk is if she needs long term care abruptly though, that could be an issue, or other sudden medical type expense, so she may be better off just sticking with her current plan.

@yanetrodriguezcruz3609 Год назад

After being a homeless with license for three years there is a way to get better.

@yanetrodriguezcruz3609 Год назад

How can i bring my lost family member including my dogs back to life.

@zuri4life 3 месяца назад

That man's wife was a clever lady. She left her half to the kids, give it to them, or put it in a trust for them...not try to back out of it

@lmao1915 Год назад

Is there a better combo that *Ken* and Dave??

@NextGenEvs Год назад

Yes. Anyone besides Ken

@lmao1915 Год назад

That’s wild, Ken is the best @the7vin19

@Diamondamber02 Год назад

George and Dave are my faves together

@FitnessDad44 Год назад

Letssssss go!!

@markanderson4353 Год назад

Dave is always talking about 10% S&P500 returns. $10k a year lost by not investing made me laugh. I’ve lost way over 10% the last year in the S&P. Those 10% a year gains are likely over. We will have a lost decade of stock returns. History doesn’t guarantee the future. Remember when cars used to depreciate and now a car bought 4 years ago is worth the same today? Who would have thought. Yes it happens. Dave’s budgeting and debt free advice is good but be careful who you take investment advice from folks.

@NeoSoulCrew Год назад

Let me call in to brag!

@yanetrodriguezcruz3609 Год назад

Can you answer question number three to me, i dont have the answer?

@Pirate35able Год назад

Omg guy give your kids the money just get them some financial help advice

@andrerodriguez7603 Год назад

Paula is doing terrible, a disaster waiting to happen. Ignorance in the market is sad to see in her case. She has a nice monthly income and has her mortgage paid off with no bills. She is losing money daily with no investments with the rate of inflation today, that money market account will just keep losing income. Her 1K a month into it, is just keeping the current balance at the 100K level. With major emergency home repairs, that account can be exhausted in a couple of years or less. That 30K in a savings account is totally dumb. Hopefully she stays healthy. She can always go back to work if the unexpected happens, even without choosing to. 😢

@brookelondon8029 Год назад

I agree because of inflation with everything you said. I think Dave could have recommended that she dip her toe in the market and simply invest $250 a month and see what happens. She's probably earning 2% at the bank. And her Social Security increases won't really mean much because my part C went up $500 this year. Gasoline is more, everything is more. She needs more than a little bit but I could tell she was very hesitant. And what is she going to do when she has to replace a roof or heating system or any major repair like that. She's not going to have any money left.