The Ramsey Show (REPLAY for July 4, 2024) 

Hey Dr., I love how you instructed that 24 years old man to write a letter to himself @ 30 years of age and live into it. You so Rock Sir! Y'all are the best there is I swear. Gil

I paid off my house in 2011 and continued making payments to myself in my investment account instead of Citimortgage. The balance on my investment account increased very rapidly. It is now more than the value of my paid-off house. Pay off your house as soon as possible!

I love when these two are together!!! 🎉 it’s so well rounded and every important thing financial and emotional is taken care of. ❤❤❤❤❤❤

You are the BEST, Dave. You have a golden heart. God is always smiling at you and your whole staff. God bless you more abundantly! 🙏🌹🙏

❤❤Absolutely love how you treat widows!! ❤ And I especially love the shows with John!! His insight into peoples plights/conditions is the MOST VALUABLE ADVICE!!!❤🥰

What a blessing to hear Dave & John's take on Tracy's situation! Dave's "bully" response is absolutely correct! I was married to TWO of these jokers and know the pattern all too well... Yep - I outlived 'em both, decided long ago that I have a defective "picker" so just wouldn't use it anymore. It took me around 20 years to "recover" from years of hearing I was stupid, ineffective, could never make it without "him," etc. I started out as a strong & intelligent woman and praise God, I'm back there now. But hearing that crap repeatedly over many years' time takes its toll. I used to fervently pray for God to make me a better wife; finally realized that **I** wasn't the problem, other than the fact I never stood up for myself until I was DONE. LOL, upside is that I never bashed in anybody's skull w/ my grandmother's cast iron skillet 🙂 But sadly, it never crossed my pea brain either time to draw a line in the sand with either until each turned violent.

Depending on whether a college student lives at home or not, they really can go to college cheaply. I told my kids I couldn't pay tuition, but they could live with me and eat my food. Their choice. All 3 chose to graduate from community college and work their way through the rest of undergrad. 2 of the 3 finished with loans, but that was their choice. I'm not paying those. A few years ago, I was getting calls from student loan people for my youngest daughter. They told me I had to pay the loans, but wouldn't give me any amounts because my daughter was over age 18. I laughed. Nope. Not sending a penny.

Main part of my house was built in 1790. I love my old house. Don’t rip a house down because Dave doesn’t like old houses.

I love John's expression on the camper. Makes me laugh.

Car insurance is outrageous today!! Allstate charges approximately 3800 on a car worth 2k. AAA quoted more. What is going on?

Happy Independence Day America.

John, you get me every time when you get to the money truth, I am aware of the growing up with less than and the hurdle to be good enough and for a long time hating "that" not good enough person...thank you for speaking honesty. Today I am quite good but you can't take the trailer park out of the boy.

A rice and beans t-shirt would be awesome. Send me one free for the idea!

Nice❤❤, great stories. Like, I come back here

A mortgage payment of 3700 at 180k does seem high to me. I feel like they should have asked a few more questions about expenses. We're at a similar income with zero debt and there's no way we could swing that without crazy stress.

Next year, they need to open their 4th of July show with Jade Warshaw singing the National Anthem (yes, it would need to pre-recorded). Right on the Debt Free Stage, "O'er the land of the free, and the home of the brave."

Am I trying to get out of debt just so I can buy the Debt Free crew? 1000000000000000000%.

I love solid old houses. However, renovations on old houses tend to uncover bigger issues. I understand Dave's perspective. Be careful. If you got $$$ to cover uncovered issues, renovate. If not, new build what you need.

I bought my house cash in 2007 .a month ago bought my dream house cash now save to buy another house .have my first house rented out.

As someone from England I find it wild that people in the states don’t automatically pay into a pension.

Loved how Dave was with the 24yr old guy who was divorced.

I’m from Auburn lol, it can be annoyingly expensive compared to the jobs available around here but she had a ton more options than $3400 for just her and her husband for rent. She just didn’t like the options lol

I'd just like to leave this here. I was on board with the ramsey theology. I paid an additional 13k towards my 3% student loans over the course of the last 7 months. I didn't do the $1000 emergency fund as suggest and thank god I didn't. My van, a dodge that I bought for 6k in 2018 and had driven up to 290k miles completely died on me last week. My girlfriend and I began splitting her car and this week her car had an issue and is now out of commission until we can pay to get it fixed. If I did the 1k emergency fund I would be stranded and unable to get to work just burning pto.

This is a very affordable education and it is credited university.

Do a give away of the Merch

Dave

Dave filing for divorce should I surrender my car if in both names

1:38:52 Every Dollar won’t connect to my bank account

I work out

Can you buy the Debt Free jersey with a Credit Card??? 😅

Dave gets take home wrong by almost 50% a lot of times, how is this possible? It kind of negates any advice.

VEE HICK ICLES

Delony is so annoying with his ‘do you have friends? What’s the state of your marriage? Are you healthy?’ Like bruh, this isn’t the Dr. Delony show, sometimes people just have financial problems.

Sounds that was stupid

They always give relationship advice without hearing the other side of the story. Frauds!

I think not asking people what the interest rate is on their mortgage is irresponsible. I would never advise someone with a sub 4% fixed rate to pay off their home asap. Any decent investment would generate 2-3X that. Also, for most people, beater cars will end up being sink holes in repairs. Getting a new car at 0% interest is a great if feasible. Not working on having a great credit score and leveraging 0% rates for 2 years on CC is also a missed opportunity if done correctly. I agree with keeping debts down, but doong everything cash is also too risk adverse.