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Time Is Precious, Don't Waste It with Debt!

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The Ramsey Show (January 4, 2022)
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Опубликовано:

3 янв 2022

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Комментарии : 98

@AIrn6087 2 года назад

The first caller…. Man I can only imagine what was really going thru their minds as he was talking… this is legit the type of person people hate who are on government assistance… but yet he ain’t even struggling just lazy… yet there are people actually struggling who NEEED govt assistant .. sigh

@kmartins5604 2 года назад

From my experience it’s nearly 80-90% of ppl like that that are on govt assistance it’s a shame

@joseluna5934 2 года назад

But i think after Dave answer this guy will change. Sound like it. Hope it does … too many ppl taking advantage of out tax money

@joanntebo2835 2 года назад

It can be a learned dependency, often becoming a generational, repetitive pattern. It can be broken as new habits and attitudes are learned.

@colleenduffy1139 2 года назад

He is looking to change, just doesn't want to jeopardize his family and the roof over his head in the meantime.

@ryanvandyke9684 2 года назад

Caller number one here... I am on track to double my income plus after talks with my supervisor about more hours and whatnot. I have open enrollment for insurance and such in February and am going to sign my family up to get off Medicaid. Once my first paycheck comes in with more than what it usually is, we will be cut off from assistance and totally on our own. I appreciate your comment, as it helped light a fire under me and I now am very aware of how possible it is to do this without the help that was hindering me so badly. I'm excited for this next chapter in my life.

@Charamanur 2 года назад

Just an abuse of government benefits ( caller number one). He is physically and mentally capable of getting off the benefits and providing for his family on his own, but he chooses not to. Government benefits are a HELP, NOT A LIFESTYLE. Unfortunately a lot of ppl abuse the system and then other can't get help

@pamsmith1665 7 месяцев назад

Exactly, I wonder if anything has changed now

@sharedaccount3676 4 дня назад

@@pamsmith1665 Yes, he updated in a comment that he is doubling his income & is getting off Medicaid. Good on him!

@jennys2005 Год назад

Your a stand up guy Dave! I love how you calmly, with patience and understanding explain what the “so that” is about when people can’t see the possibilities of their life. Living off the government will keep you in poverty. Don’t teach your babies to live like that. Thank you

@mkite715 2 года назад

George looking dapper today …I like that jacket!

@laurafisher4199 2 года назад

I would love to share with the guy who said he loved detailing cars... I was an Air Force Officer's Wife for 12 years after he left me for another woman found myself doing things I thought I would never do my entire life which included detailing cars, then boats, and Hummers, and Airplanes, and lived it in that era! But yes!; since he loved his job, which I never knew I would enjoy during that time, if he built a name for himself with a specific market, he could do very well owning his own business, and I would encourage him to extend his market to small planes and boats if it is in his geographical area to introduce his skills to these areas and work hard and enjoy doing what he loves thru his own business, and I think he would do brilliantly...! Wish him the best and I encourage him to establish his own business and just Go for it, if that is what he loves...!

@danieldpa8484 2 года назад

My personal advisory board - Jordan Peterson - Dave Ramsey - Jocko Willink - Warren Buffet

@marinp2938 2 года назад

53:20 My father would always say " I wish I owed a million dollar in taxes, because that meant I made a lot more than a million dollars". Love that man!

@amazinggrace8136 2 года назад

Ryan, it’s not wanting the “millionaire” status. Being a millionaire is just what you end up with when you are managing your money the right way.

@pamsmith1665 7 месяцев назад

Bum

@jiangpkpful 2 года назад

I'm like April I love doing the budget and spreadsheets! Targeting paying off our mortgage in 1.5 - 2 years! 😊😊

@dianvandevyver5729 Год назад

same here. Excel and budget. And hope to pay off my mortgage in December 2025.

@jiangpkpful Год назад

Update my friends, we just paid it off this month!

@margaretkaczorowski2211 2 года назад

That boss just changed her life.

@margaretkaczorowski2211 2 года назад

wow the woman who got left 1.5 mil--that was one generous boss!!

@LOL-ps3tg 2 года назад

I think she was more than just "personal assistant"

@chelseahayllar5853 2 года назад

@@LOL-ps3tg being outrageously generous doesn’t have to come with tues. Maybe he just wanted to do a good thing.

@MaMa-jh6bb 2 года назад

Unfortunately a lot of people think like Ryan...

@tylerwest3820 2 года назад

Caller number one 🤦‍♂️

@njvalueinvestor 2 года назад

His advice is well grounded, with great examples. He shows how discipline, career, personal outlook, habits, and unplanned events work together. No one can plan the last item, but if the previous items are well aligned, the latter can be mitigated or remediated. His use of facts, indignation, and humor holds the listener.

@jordangarrick669 2 года назад

The correct response to anybody who says they are "not money driven" is "You need to learn to be.".....The people who say this are the same ones who say "Money is not important." That's complete hogwash. It's ok to be broke and dependent on others when you are 20, but it's a disgrace when you are 40. And if you can't help yourself because you're broke, you sure as heck can't help anyone else.

@igot5onit423 2 года назад

I don't think she realizes how much 1.2 mill is.. You invest that right now and your good

@boostedtoys1400 2 года назад

he gets his housing and food paid for. what is he wasting 25k a year on that he can't spend his own money

@lindawer 2 года назад

I have to say I like George in this role.

@sarahpleasant-nowowiejski5971 2 года назад

Same. I fell in love with George way back when he was the mc for the show. His presence on the show is fantastic and he plays off well with Dave. Makes the show even more golden.

@AIrn6087 2 года назад

I have to agree!! I like George a lot!! Very level headed responses

@nowandthennn 2 года назад

I’ve never met a generous rich person . They are usually tight with their money , but I have met generous poor people with what little they had .

@elmateo77 2 года назад

I'd bet the top 10% of people donate more $ to charity than the bottom 90%. They're not necessarily tight with their money, just smart with it. They'll research a charity then donate a large amount to it in a way that gets them the maximum tax benefits for it. Just because they don't go handing out money to anybody who asks for it doesn't mean they're not generous.

@nowandthennn 2 года назад

@@elmateo77 This might be true , but most organize charities are rip offs and only a small portion of the money goes for the intended purpose and 90% goes in the pockets of the top heads , and the rich people who donated end up with a favor done for them sooner or later . Almost worthless !!

@elmateo77 2 года назад

@@nowandthennn I wouldn't say most, but there are certainly some like that. That's why it's important to do your research before donating. And just handing cash to anybody who asks for it is far worse, because many of them have problems besides just not having enough money. If you give cash to somebody with a drug or alcohol addiction, you're more likely to get them killed than help them.

@nowandthennn 2 года назад

@@elmateo77 yeah , handing cash out allot of the time is a rip off , too . I was talking about like paying a utility bill for a poor person or buying them a meal , not handing out cash for drugs , even though if a druggie goes too long without their fix they could get seriously ill .

@wandahaines7143 2 года назад

The majority of the rich people I know are very generous. They just don't have the need to brag about it. They also want to give it to worthy causes. You not wanting to work or want somebody to help pay for your wedding or your vacation is not a worthy cause. Rich people are rich because they use their money wisely. This is why lottery winners are usually broke within 5 years. It's from the leeches coming out and wanting money. Then being nice people they give it to them. I like Dave's way of giving money. You can give a small amount one time say a $100 maybe $500 Make them go through FPU. Prove that they know how to handle the money.

@pepper8494 2 года назад

Love George!! Diamond in the rough!!

@davidnatiel6886 2 года назад

6yrs ago I was making 34k/yr and now I'm @ 92k/yr In 2 years my plan is to be @ 120-130k

@kmartins5604 2 года назад

Nice! What do you do?

@mandypdx 2 года назад

I’ve been making $100k+ for over 20 years, but I don’t see much increase (3% annually). How are you planning on doing it??

@davidnatiel6886 2 года назад

@@mandypdx 100k is nice 👍 I'm in the transportation industry and we get rewarded/bonus depending on our performance and i got 3.73% raise , plus quarterly bonus if accidents free, injury free, summer time don't miss a day of work, driver of the year, and some another bonus here and there. I decided from now on I'm going to stay working atleast 1-2 extra hr each day and that's my plan. We usually finish our route and we run out that door but not this year haha. Years ago i was a regular delivery driver and loved doing it so i decided to get my commercial driver license and that opened more doors. It's alot of work with huge responsibilities plus stress involved so it's not for everyone but I love it.

@davidnatiel6886 2 года назад

@@kmartins5604 I'm a commercial truck driver

@mandypdx 2 года назад

@@davidnatiel6886 so cool. My best friend’s husband is in your industry too, and it’s a great job. I’m in healthcare IT. I started making $100k about 10 years ago, today I make $180k. I get to work from home, so that part is cool :) (Oops- my original comment said 20 years ago, but I meant 10 🤣)

@ywamdan408 2 года назад

heck yes!! go see all 50!! I'm just missing Alaska and it is so fun and so worth it

@valleyoftears8964 2 года назад

Really mesmerized by historic homes and almost financed to buy one. Not gonna do that after listening to Dave! 1:58:00

@andrephillips7764 2 года назад

The first guy lacks ambition

@kathleenphillips7145 2 года назад

Like how sensitive Dave was to the caller with practical, not demeaning advice.

@AIrn6087 2 года назад

Dave is in rare form in start of 2022

@dougprentice1363 2 года назад

Hopefully this caller realizes he is a leach. If he does decide to make more money, he will be proud and disgusted with his old self.

@KC-dr3cg 2 года назад

Oh.He realizes that he is leach..recall that he wants to spend his money" anyway he chooses."doesnt want to have to have to pay for his Bill's! What a poor example for children.

@pamsmith1665 7 месяцев назад

I hope so too... he makes me want to scream. Keep it in your pants

@23lauramoreno 2 года назад

Love me some Dave and George, Dave was on fire on this one 🔥🔥😍 more of this!!

@jvnp834 2 года назад

George Kamel is awesome!!!

@1pirezx827 2 года назад

I detail cars on my own now, it’s going better than I thought but I still have the day job that isn’t the best I’m really trying to stabilize my life. Wish me the best of luck and blessings

@ELS.A 2 года назад

"You done riled him up Dennis you done riled him up"😂

@KC-dr3cg 2 года назад

Timing is crucial. He needs to have his steady dependable income in a way that is strong enough. Getting on the subsidized programs especially housing , is not easy. Giving it up is scary and maybe not wise during these high inflation times. Getting advanced education ..maybe with scholarshops.. is a better use of free time.

@Razdasoldier Год назад

You are asking someone who is not financially stable to increase their cost of living to go back to school. Doing what he has the passion for will do more to help him in the long-run than anything else. (I saw your comments about the company above) They are not telling to set a goal like ownership because working step by step towards a goal; because, it helps lead you in a single direction. As someone who was so financially unstable that they almost took their life to get out of it, I can tell you the single focus mindset helps a Lot!

@businessmanager4746 2 года назад

Every time I hear this I hear him making sure him and his folks get a pc of that money lol Fave Ramsey commission lol 😂

@eprofessio Год назад

George needs a little more stake in Ramsey. I can hear it in his voice. Maybe it’s time for George to have his own show.

@fhuber7507 2 года назад

25k a year... he needs a bigger shovel. So find a totally new job that pays $40k +

@KC-dr3cg 2 года назад

Depending on the gross rated weight. Over 6,300 lbs ..IRS rule 179 you can write it off all in one year..

@KC-dr3cg 2 года назад

For my business.. a purchase I made that I was going to make anyway I bought a $20,000 vehicle and saved $5,000 in income tax because I bought it before December 31st

@paigeauerswald4631 2 года назад

With an IRRRL the closing costs are financed into the loan.

@sweetpea4967 2 года назад

It's such an American concept that married couple shouldn't live with parents. The rest of the world must listen to that and be shocked. Just sayin...

@ShonTolliverMusic 2 года назад

The first caller was lying.

@ramonalofgren5552 2 года назад

Hi, where is Christi. Miss seeing her?

@MaMa-jh6bb 2 года назад

12:50 💯

@elizabethd2614 2 года назад

oh boy.. Government assistance isn't a long-term solution. Personally, I do not want to depend on the government to support me financially. All it would take is a government shutdown for my financial plan to collapse.

@beckypetersen2680 2 года назад

That first guy is living a lower middle class lifestyle because of the gov't. assistance.

@JAM609 2 года назад

I hate when people assume homeschooling is a good thing

@devenmurray3580 2 года назад

That 11 month old is her previous employers. Yikes.

@sXePunkV2 2 года назад

That's exactly what I thought but I didn't wanna be judgemental 🤔😂

@christiemansell4144 2 года назад

Where is Christy Wright Iv not seen her in a while

@AIrn6087 2 года назад

She has her own thing she does… she doesn’t always work directly on this show when she working on her own thing. But she was recently on 2-3weeks ago

@awesomehigames 2 года назад

17:22

@FS2obscura 2 года назад

Mcc I

@myoldvhstapes 2 года назад

Hmm, Dave is not wearing his wedding ring.

@andrephillips7764 2 года назад

This is a weird observation. Maybe he didn’t feel to wear it today. The man has been married for over 30+ years…a ring doesn’t prove anything.

@tylerwest3820 2 года назад

Except he is in fact wearing his wedding ring lol

@myoldvhstapes 2 года назад

@@tylerwest3820: Look again. Dave has always worn TWO rings- the wedding band on his left hand and a larger ring on his right that he plays with when listening to callers. Today, there is a pale white space where the wedding band usually sits. Yesterday, another commenter pointed out the injured (black) fingernail on the right hand.