There’s a Way out of the Paycheck-to-Paycheck Cycle | April 8, 2024 

I’ve stopped listening to music while I’m cleaning at home and on my commute and listen to them instead. Literally life changing. Recommend to anyone who will listen lol!

Break free from loyalty and take a job that benefits your family. I finally did it last year and when I did I realized quickly that the loyalty I felt was a one way street. Go for it and take the job.

Jade is my fav person on this show. Just more relatable. Good to see someone that has gone through the program. I love her!

Tiffany is a brave woman to keep her baby. Her baby daddy is a coward for telling her to get an abortion and running away.

Too funny, Jade! There is a coffee truck that raises money for religious organizations near my house, and its name is "He-Brews." Genius.

As a mom, my heart goes out to the first caller who is pregnant. I wish I could hug her and tell her it will be ok. 75k is a great income for u and baby. A baby is only as expensive as a parent wants it to be. I would get second hand everything for the first year because they grow so fast. Unfortunately even her being 10 weeks along. If she is looking into daycare she should put her child on the wait list now. I put mine on at the same time and I waited over a year for her to go to daycare.

A former friend of mine got addicted to Cross Fit and quit his solid job as an engineer in the military to open a gym. In 2 years he lost 45 lbs got a girlfriend, left his wife and daughter, and went bankrupt. Be careful opening a gym.

I like the way Jade is listening keenly . When you are with a mentor, take as much as you can.

Oh god, this happened to me! But the other woman was the one who got pregnant. We became friends and she is STILL fighting him in court for child support. What a nightmare

I subscribed to the show because this information is priceless. Dave is wise. Also, he has a sense of humor. I love the way they incorporate scripture/word of GOD during the show. After listening to The Dave Ramsey Show, I really want to start making wise decisions when it comes to my money. Jade is wise as well when it comes to money decisions. Thank you all for sharing your knowledge. May GOD continue to guide and bless you all! ✝️🙏🏽❤️

Jade is my fave! Brains, beauty, class and sass.

As a former gym owner, THANK YOU Dave for steering those kids to a different entrepreneurial opportunity. Our gyms were highly profitable, and still a difficult experience. Post-COVID, we transitioned to a one-to-one, bespoke service with no overhead. Far less stress, far more profit!

When Jade said, “Montell Williams”made me laugh! Blast from the past. Love love Jade!!

Omg we are so lucky in the UK, not all companies are the same, but I got 6 months maternity leave on full pay, the next 3 months on half pay and then had the option to take a year with the last 3 months unpaid. I saved up £6,000 in the run up to having my baby, which meant I was then able to take the full year.

I applaud Tiffany for keeping her child.

Dave you have a wonderful family. Your kids on the show are very very smart kids. Thank you and your family for all the advices.

Dave, I listen early every morning right now during tax season as I review returns. Fighting the battle of "Taxation without competent representation" for nearly 20 years.

32:00 That is not bizarre because You Are The real Deal! I listen to you guys from europe, totally diferent numbers but the same principles apply, it really is a behaviour issue, you brought so much light and peace into my life ❤❤❤ I am currently debt free and saving for retirement 😊 thank you very much!

She’s in a tough spot. Thanks for helping get her feet under her. I wish her and her child well.

Dave is such a thoughtful person, and I love his advice on money management and life in general!

Dave: "Absolutely! We do it all the time!"..... that felt really inspiring. Made me feel like I could take on the world!

I love "He Brews"! I also like: "Heaven Scent", "Java Script' ", "Roman Foam" and "Kings Cup" Anyone else?

Tiffany should go to the Crisis Pregnancy Center in her area. Yhey help moms during pregnancy with supplies and even after, a year the baby is born. Provide resources as well.

Jade is absolutely stunning! I love her fro but her hair pulled back out her face is just WOW!

Jade is so pretty!

I ve never read your books.. but common sense and budgeting has made my financial condition great

Good on Tiffany for keeping her child. ❤

Watch you everyday! Love it! Can't download the Every Dollar app though because I live in Saskatchewan, Canada.

jade with the ultimate dad joke ftw. "HeBrews Coffee" 😂

It's a pleasure listening to Mr. Ramsey and his team.

Your doing a Great Job Jade!!🎉

yep Dave employers don't skip a beat when you leave. The beat goes on!

This is amazing information. I’ve just been introduced to this speaker. Yay my new you tube channel to listen to. Thank you very much.

Not sure why getting out of her moms house is a priority with a baby one the way

I would ask her mom if she could stay the 1st year of the babies life. She going to need help and support. This would also give her time to pay off a few bills before getting her own place.

Hi Dave, please make every dollar app accessible in Ontario, Canada. I would love to use the app, thanks.

I’m not going to a rock wall gym built by a 20 year old who has no construction experience. I’m surprised Dave didn’t mention that. And CrossFit gyms aren’t “working” either. Margins suck there too.

Jade is a completely different person with Dave than other hosts. But I guess maybe we all would be sitting next to our boss. On the air… lol 😂

For the guy who was staying home and the wife who wanted him to get him on board. I recommend the guy getting his T levels checked. I was in a rut like that and found out I had low T. Changed my life/mindset

14:38 - love those smiles. good vibes

Still loving the music 🎶 going into scripture of the day/quote ❤ good vibes.

The young man rock climber is a dreamer. A dangerous dreamer

Scripture of the day!!! Love it ❤❤❤❤❤❤❤❤

I would tell her to save up to take the extra 4 weeks extra to care for her baby. 9 weeks is not enough adjustment time.

I have bpd. You help with your advice. Bpd causes money problems and it's tough. Can you address this problem?

Tiffany needs to get a paternity test established from that bone head and go after child support once the baby is born. The guy is gonna try to avoid it. But, she needs money for that kid and to know that guys medical history, in case the kid has issues later that require a blood transfusion or some other medical issue. Its never easy to be a single parent even if the other parent helps out, but not having any info about the father is gonna hurt the kid in the long run. She absolutely needs to get an attorney to help her go after paternity testing and child support....or he signs away his rights in exchange for family medical history information.

Dave: "You have over 4 million dollars in assets, you've been living a luxurious life" Caller: "Well... It's all relative" lol relative indeed.

This is the episode that has changed my entire life.

How can you say she paid twice as much for her vet degree? Based on what? I have heard so frequently that Vet school is so competitive because there aren't enough of them. Maybe she should have saved more to get herself through, but I heard the call the other day with Jade and George. It was bad advice. You can't stop vet school part way through. How does that help anything? She made a bad decision, maybe, so she should bail without a degree? Am I not understanding this properly?

I love the soundtrack choices for Ramsey!

Jade, good thinker as always on your head, especially being a Bard. We do however have a HE-BREWS, here in Emmet Idaho.

Good advice chanel. Wirth liseningnto n take some notes for sure.

Funny Jade. Montel Williams!

Thank you both. I gained tremendous insights.

Oh boy, wish I could have a look into all the data your app collects. Probably one of the best retail tools

never listened to this show and its interesting i need to learn more about money matters I can always push myself to be better and get out of debt

I remember Robert Wagner endorsing one of those scam reverse mortgages. Like Dave said, old time actors still trying to collect on their name🤔

I enjoyed, thank you.

Molly, use the commute time to listen to Ramseys podcasts! It can be time for yourself.

lol at 39:14. We're selling our house that we bought in 2014 ..... our house has more than doubled in 10 years 😂

What a great show

I have learned so much watching this channel. I make a relatively good income but if you asked me where my money went each month I couldn’t tell you. I also impulse bought items I didn’t need and racked up some credit card debt. Making a budget was eye opening. I first made one based on what I “thought” I was spending and realized how far off I was in some areas. I don’t eat out very often but when I do it’s usually a nice dinner with drinks and I realized I was blowing $250 on 2-3 dinners a month. I’m now more confident with my spending habits, can pretty accurately estimate my spending, and will be debt free by September of this year. My only criticism to the general recommendations these folks make is when they suggest people need to spend the bare minimum and live like a college student eating ramen noodles. I suppose each person’s financial situation is different, but for me it’s like starting a diet and going cold turkey. Eventually most people will binge. Had I thrown every penny at my debt I think I would have failed. I still allow myself a little “fun” money so it’s not so restrictive. At the end of the day it will cost me an extra $250 in interest but it’s worth it to me to have some flexibility to still spend a little on non essentials. I’m sure it’s a completely different situation for people who struggle just to make ends meet.

Dose ramsey provide FPU in spanish I been teaching my church I been translating it all myself but was wondering if there's a FPU in spanish to make it easier

Me and my significant other just found the baby steps and Dave Ramsey and I wish I would have found you 2 months before this, due to buying a house but at the same time I wouldn't have found you I think if I wouldn't have bought the house and I just want to say thank you guys for what you do because you guys made me take a step back and look at how I am with money and it was not the best and now me and my significant other are on baby step 2 and making our way to becoming debt free! Thank you guys really for doing what you do I really appreciate and I am spreading the word about you guys and your program!

I wonder if the movie Dave complained about was Life of Brian? 😂

I pray Lord Jesus that you help out Tiffany. Please help her out and be there when she is feeling alone or in difficult times during her pregnancy and I pray if she only believes in you that she starts to get to know you in Jesus name. ❤️🙏🏽

Really like this show!

Who looks after the baby whe she returns to work? In the uk maternity is a lot longer and paid longer but then when a parent returns to work childcare is very very expensive

Solar panels with a reputable company is a good deal. Paid cash for net zero, and the electric company actually got 3 months from me this year because it was a mild winter. Payoff is expected at 8 years on 30 year panels.

Is tithing included in these budgets?

I wonder if it was the first Ghost Busters 😂😂😂

What about going after baby daddy for child support... Duh 🙄

Reverse mortgages are a joke. They tell you that they'll give you a loan against your house and when you die it's deducted from your estate and your children still get the house after that money is deducted. That is a lie. It's not that simple. The fees are astronomical and with their income, they are much better off doing one repair at a time, saving up, and not risking their home.

Does the pre-tax 401k include from the 15% investment? In my mind I thought the 15%investment is from the net income pay.

Not Montel Williams! 😂😂😂

Why is Dave advising a soon to be single mom to MOVE out her mom's house right after the baby is born? This is rhetorical, I know the answer. That's horrible advice and I hope she ignores it.

I just want to say thank you to the dave ramsey show! I made $1000 for my emergency fund in 60days. I just have one question that i know is most likely obvious. Do i want to use that money towards my small loans or credit card, or not touch it?

I’m In a similar situation. But once you try and get child support, they try and get 50/50 time which hurts the child.

Last call AJ Denver - coffee shop guy. You also need to consider other factors. A coffee shop will be most visited in evenings and weekends. Will your wife and family be happy with you gone most of that time - a totally different schedule than what they have been used to with you as an engineer? Will your wife deal well with fluctuating rather than a steady income? LOTS of things to consider - this would be a seismic change of lifestyle.

Don’t be scared now big guy! Time to pay up!!

What should i do with 20k? I need business or investment ideas!🙏

we just paid off our 23k car but wondering if i should sell it cause we only make 60 k or less a year we paid it off in 7 months now we are looking for a house

How do you get a mortgage on 65k? If you qualify for special mortgage programs you won’t need a huge deposit.

When you mention cutting up the credit card, does that mean to cancel the card or just stop using it while keeping the credit card open?

Yes!

I love how Daves just laughing at this rock climbing clown hahaha

Great coffee shop name Jade! 😂😎😊

Please, could you do more videos geared towards single adults? Most are geared towards families with children, which is understandable in our society.

Rockclimber should save up $75k and launch a minimum viable product by himself and at most one partner. Ideally the partner is a minority partner so he can own the executive decisions

Listen to Dave Ramsey.

Yes, there is it's called universal basic income or guaranteed basic income implemented nationwide.

I wish my electric bill was $200, here in Califnia... in the summer it is $ 500

For the woman that says she’ll be making an extra $27 k a year by taking a job out of town doesn’t take into consideration that she’ll be driving an extra 35,000 miles a year . She’ll be blowing through a lot of gas and will probably have to buy a new car every few years .

Im also stuck on baby step 1 .. our salaries is not enough to get us through the month...please help

Avg Welder salary mentioned was $110k a year. Not true. avg pay is $20 - $22 per hour after a 24 week course at $21k tuition.

It’s pitiful that people don’t recognize simple respect for your elder in Jade’s demeanor with Dave. She’s deferring a lot to his wisdom-and she should. The calls they took are much deeper than what I’ve heard her and George tackle. Go Jade, you’re doing great!!

Sometimes Jade is so wise!

1:01:52 shade! 😂

are we gonna edit that intro to include Jade?

I only wish my electric bill was 200$😭