You Work Too Hard To Be This Broke! | September 12, 2024 

Thanks, Ramsey Solutions, for freeing up an extra hour of my life with the shortened show! 🙏😉

It's so frustrating when people call and go on, and on, and on, and don't listen.

Henry makes $250K, his wife makes another $100K, a side hustle is not necessary. He needs Baby Steps, return/sell luxuries, and maybe a fin planner.

Not Ken laughing at “Girl Math” only to say if you make $100,000 15% is $15,000. If you make 80,000 15% is what $16,500? 😂😅 love how you got there though. 🤪

Do not send money to anyone you’ve never met, how is this so hard to understand?

I love Rachel she's an amazing human being ❤

The rising interest rate can surely control inflation, but won't prevent erosion of the eroding purchasing power of the US dollar. I have learnt my lesson this time. The banks can't be making money off my money, while inflation eats into it. I have set aside 650k to invest in the stock market now, since that keeps up with inflation, but I don't know how to get started.

Here is a better lesson about common sense, which my mother reminds me isn't common. Don't even give money to people you are dating. Everyone is an adult and responsible for their own living expenses. Let your date, partner, or fiance figure out their own life. After marriage, you can give them any and everything you have if that's what you want to do.

I cannot even imagine an income of $350000

I had my email hacked and they ended up getting into everything. I had to create a new email and make a lot of phone calls because they would change passwords after I would because they had my email. Having someone take over your life is terrible. I had to let every institution know to lock my account, including banks, credit, and everything. Poor girl, I know it took like a year to finally get everything straightened out

Great episode!

How does a 21 year old girl get $45,000 to lose to a scammer? You people didn't ask her how much she earns, what kind of work does she do?

Rachel! The usps scam happened to this smart girl too! The scammer did try to make purchases. I knew because my bank texted me asking: are you trying to by carpet in India?! They were clever enough to try to buy it on a pay period. Fortunately I didn’t lose anything except the time it took to cancel my debit card cards. Never again, Sister! 😂

@Rachel Cruze I was spammed the exact same way this summer! When I asked my husband for his card, he saw it and said, "Lisa, this is a scam." We had to freeze my card and change the number. Thankfully we did this quickly because the scammer started using the card quickly. Ugh! 🤦🏼‍♀️

This couple has real chemistry. Very Fun

Ken, is confusing a passport with a visa. Some of these places on the cruise need a passport, but none need a visa for a short stay. Turks & Caicos is not an American territory - it is a British Overseas Territory. You need a passport if you want to get off the ship. To go to the Bahamas, normally you need either a passport or a Passport Card, but I just checked the RS cruise description and they are going to Half Moon Cay only in the Bahamas and for that you don't need a passport on a closed-loop cruise. Holland America cruise line owns Half Moon Cay which they bought for their cruisers, and it now belongs to Carnival, the parent company of Holland America. St. Thomas is part of the U.S. Virgin Islands and you don't need a passport IF you are coming directly from the U.S. But you should have your government-issued ID (driver's license) as well as a copy of your birth certificate because sometimes you need proof of U.S. citizenship to leave St. Thomas (or any of the other USVI.) A passport would provide both of those. Most ships are not registered in the U.S. I can't believe any of the RS people are telling people they don't need a passport to go on this trip - but maybe they are letting them know they can just stay on the ship without a passport. A passport is always the simplest document to have to travel abroad as it shows identity, citizenship and U.S. residence. In addition, for any international travel not to U.S. territories and ports, your passport must be valid at least six months after your arrival date and some places also require two blank pages in your passport. Do your research, and the RS people need to make this perfectly clear. Nothing will be more disappointing to the cruisers than to think they are getting off the ship when they are NOT without a passport in at least a couple of these places. (We've been on over 30 cruises.)

For the question on the 15% (since it wasn’t answering what she was trying to ask) it sounds like they may manage their money separately. Each person would put away 15% of their income. A good way you can validate this is correct is if you total what each person’s 15% dollar amount is, that total will match the 15% dollar amount of the household total.

If you're company stock is always going down, you may want to look for another job.

Good grief 21 and thinks she's pretty smart, but gives someone she's never met in-person 45k.

Ken making fun of girl math and he proceeds to get 15% of $100k = $15k correct but then says 15% of $81k is $16,000. Genius

The children of parents who are more advanced in years can appear to have a more comfortable childhood/early adulthood than the first born. I was that first born. It isn't that my parents wouldn't have provided those things for me, they were just younger at the time and didn't have the same financial capacity.

Jen will buy the house

Regarding the first call, I live in France, and I know someone thats happened to her. She is well over thirty, working, smart. These things makes a mark on you emotionally, psychologically. It's embarrassing to admit. And I thing that's worst than the money, they gave freely in the first place, imo. We saw the tinder swindler on netflix.

I leave my TV on for my kitties, birds and squirrels and the whole works

35:12 Kevin ("Sorry We Missed Your Call") comes across as an extremely legalistic person, both with his Christianity AND with following the baby steps. My question for him is does he have a brain he uses for discernment and common sense, because listening to him, it doesn't sound like it...he does what he is "told." Very sad.

Yeah these scams are criminal organizations, not individuals, but the man is like a rep in a call center taught how to conduct human phishing

Time MACHINE Needed remember AOL plug your back in the day computer y'all know that computer that look like a box maybe it wasn't no real Internet yet today people so Soft and it's your money

8:40 Ken's wondering "Is she really a smart person?"

Several times I have heard Rachel talk about "legalism". How is it that it isn't legalism to quote Proverbs 22:7, 26, or Proverbs 11:15, or Proverbs 6:1-5 (which are all in the OT), but when in Malachi 3 God says that failure to RETURN tithe and offerings is stealing from Him, somehow that it legalism?

Never put work before God. God tells us to stay out of debt. We disobey him by not stewarding our money, then neglect him by working to get out of it. Put him first and he will see your goals through. My husband & I been chopping at our debt over the past 20. Years,,,we are almost free, and we haven’t skipped worship or Wednesday Bible study or any other function in our 23 years of marriage because it is there where we grow and get strength to keep going. We have 4 kids. How can we provide an example of being faithful by skipping service to work to pay off debt… Hebrew 10:25 tells us Not to forsake the assembling of ourselves. We can’t fix our disobedience of mismanagement of our funds by disobeying the command to worship and assemble. It’s like covering a lie with a lie. We repented for not being good stewardship,put a plan in place that’s working, BUT serving GOD even more!

Does anyone know why the Every Dollar budget has a category of "Debt" that cannot be removed? The other categories can be deleted and I'd like to delete that one, too, since we have no debt - but the best I can figure out to do is to move it to the bottom of the categories. I would think that RS would make it possible to delete that category since they still advocate using Every Dollar even if you have no debt.

Rachel was almost scammed?! No one is safe! 😮

Girlie trying to buy a house with $3k 😭

16:23 omg her grandfather needs the money 💰 How was that not obvious to them!!

$45,000 sent long distance for a “collection of little things?” You would be hard pressed to get $450 from me even if we are in the same apartment building. 🤦🏾‍♂️. You can’t “oops” me in over 40 grand. That’s all on her!

How old is this lady? I feel so sorry for her.

Would the first caller be able to file taxes on that $45,000 gift? Might as well make the person pay that 24% tax on it.

She should lock her credit via the credit unions.

Don't worry dude, murderers turn to God in jail and supposedly they still go to heaven go to work, God does not pay your bills

Ken is wrong. You have to have a passport if you are going to go ashore in the Turks and Caicos.

I wonder if Rachel will vote with her favorite singer?

How do people like Sky exist? You were sending money to a man you never met in person for a house? And people like Sky are allowed to vote?

More money more problems

10:57

Test

The first caller deserves it ngl😂 no way you were that naïve

Bad advice on attending Wednesday night Bible study. Hebrews 10:25 is clear. Christians should always be seeking opportunities for spiritual growth through worship and bible study. Putting debt payoff before fellowship is not good. A mature Christian knows what is priority. Putting God first is not legalism. God is priority. Seek ye first the kingdom of God.

I think you guys gave Jen the wrong advice on the grandmothers house deal.

How does being “gazelle intense” match up with Jesus instruction to be “temperant in all things” 🤔

AMEN!

NO.....I will not listen when Racheal is on.

Thank you for the content!! All we need is the right advice on how to invest in crypto and we will be set for life, I made over $86k from trading the crypto market this year