Looking to learn more? Check out these related articles from Ramsey: 10 Money Traps to Avoid - bit.ly/RamseyMoneyTrapsToAvoid How to Avoid Timeshare Scams - bit.ly/RamseyAvoidTimeshares Are Mobile Homes a Bad Investment? - bit.ly/RamseyMobileHomes

I will watch anything with Jade!!! She's my absolute favorite!!! 💚

These two work so well together

The Ramsey show is definitely in good hands. These presenters are great! 😂👏🏾👏🏾

20 years ago when I was just starting my first full-time job and living in a duplex, a neighbor a couple of duplex's down asked me to co-sign for her power bill - I turned her down but did feel sorry for her as the power company was requiring her to pay a deposit and she did not have the money. I knew not to co-sign for anything, even if it's friends or family.

I was unemployed and this guy called and invited me to a timeshare presentation - free food included! I was hungry and unemployed so I said "sure!". I got there, chowed downed and then they tried to close with me and I said was unemployed, broke and no way I could afford this. I could see the manger take the sales guy aside and wasn't happy with him - oh well - I had been honest I was unemployed, but he said no problem come on down! So I did and got my free meal.

I love that you shared your financial mistakes

The commentary from you two😂. Love it! New hosts? !!

I got a cool deal to go visit some nice time-shares for a low price in sort of a vacation package deal. It was really nice, but the first day you had to go through the presentation early in the morning. It was like 6am or something. Anyway we went through the timeshare presentation, then they set us up with an aggressive salesman. I kept saying no over and over again, but he would not give up. Then I just started to talk about Jesus and started to share the gospel with him. He then quickly wanted to end the conversation and get outta there!

Jade’s smashing it 🙌 she fits in so well

Living on campus rather than commuting to college. Will forever be my biggest regret.

My mistake: thinking debt is the only option. Also: not working overtime when offered.

This is fantastic content. Love the host chemistry and the honesty of their testimonies.

Getting married was my stupid tax.

My biggest money mistake was when I divorced, and we settled the financials is that the legal separation didn't stipulate that part of the equalization for the retirement accounts was to be transferred in kind, and not a cash settlement. Ended up having to withdraw an extra ~30% more from my own RRSP to pay the withholding tax (well, income taxes) in order to access the cash to settle with. Huge oversight from me and my lawyer which pretty much depleted a decade of retirement savings for me.

My husband of 40 years bought me- outright- a car for me after TWO weeks of knowing me. We were engaged two weeks later and married six months later.

“She took advantage of that homie” 😂

It's important to differentiate between a manufacted home and a mobile home. A manufactured home placed on land will absolutely appreciate in value on par with any other house. Even a properly maintained mobile home on a proper foundation on land will appreciate in value. Modern day manufactured homes are built to the same standards as any other houses built to be affordable for the average person.

Let me count the ways…… that I’ve done stupid things with money😄🤪 but we’re finally on our way out and can see the light!🙌🏻 Thanks papa Dave!

How about cigarettes? They cost about $12 per pack in my state and they do absolutely nothing for those who smoke except give them various health problems and make them smell bad. Those who quit are utterly amazed how much money they are no longer wasting.

buying a "trailer" isn't automatically the money pit which is always attributed to it. Buying a trailer in a trailer park, where you pay huge lot fees, don't own the land and still have all the other obligations of home ownership is the issue. A trailer (modular home) on a lot that you actually own can be a good investment... ALL houses depreciate or require continuous substantial injections of cash to preserve the value, it's the land on which the house is built on that appreciates.

I remember when they said beanie babies would be worth money in the future. Lol

As soon as I hear Nigeria I hang up the phone!!

My wife and I were looking into a mobile/manufactured home a year and a half to two years ago for our first home as that was all we could afford. I always had a sick feeling when it came to it. We looked at some decent ones, even found a potential plot for a new one.... never felt good about it. Now we are in a better place financially to buy something better. Glad this was included in the biggest money mistakes. One that we were close to making. Trust your instincts and think through logic and not emotion!

Thank you for sharing your experience. Keep up the good work.

I wish I can raise my debt ceiling and print my own money.

When you don't pay your woman's debt / not cosigning, she will then accuse you of not loving her enough and call you selfish. Fortunately, that also don't work on me haha

Jade is awesome. I'm seeing some hatorade in the comments, but she's got her stuff together, fits right into the show. Definitely my favorite co-host by far.

It wasn't stupid at the time, but looking back? HA. In the run up to getting married, I was shelling out money to my fiance to pay her phone bill and some other stuff and of course all my normal bills. After we got settled as a married couple, I got an American Express bill (stupid card to have) that I couldn't pay; AMEX cards had to be paid in full at that time. So I took one of those checks that Citibank Visa had given me and I paid the AMEX bill and then took a few months to pay that off. While I look back now and laugh, it wasn't a laughing matter at the time.

Not them not wanting to let you off the bus. 😂

Everyone has done sth stupid about money it is the people that do not admit it that are still broke - so true. It pays to be humble.

One of the classics: "loaning" my brother-in-law money when his then live-in girlfriend took him to the cleaners and he was about to get evicted and his car repo'd. Thirty years later, never saw a dime of the money I "loaned" him. In all fairness, this one is on my wife.

These two work well together

If I type all my mistakes, I will be writing a book.

Yes! Do a budget and stay out of debt!

I love going to timeshare presentations because I love the word NO! I will take the free stuff though!

It was definitely a Nigerian prince thing 😂

This lady is fire ! Love her !!!

Lending a credit card to a family, thats crazy...

"mobile homes don't go up in value" they sure as heck go up in value here in Florida. Just not as much a slab homes does

The hosts stories are so funny 😁

If it’s true you can learn from others’ mistakes, I’ve been a graduate level class on personal finance. The good thing is that you can always learn and can always improve. Making mistakes isn’t bad. Making the same mistake over and over is.

A mobile or manufacturered home is not always a bad idea. We bought land and moved a home on to it and raised our family there. The mobile home lost value but the land has appreciated in value.

My stupid tax? Small stuff that added up! Coffee every morning from Starbucks, lost weight and decided I would not only get new clothes, but new clothes from expensive brands and new shoes just to match my new clothes, buying more food than we could use before it went bad, new kitchen gadgets just so that they’d all match, I could go on. Now I’m trying to fix my mistakes so that I can actually have a savings account.

I remember being taken on a timeshare tour to get €50 off a jet ski trip on holiday. Thankfully I was too broke to sign up but can see how older people with money do.

My ex co-signed for a car for me. Fortunately for him I paid the car off ...and early. Never again.

Wasting money on a timeshare is my dumb money move. Was lucky to get out of it. Never used it and wasted a lot of money.

Notice I haven't seen Dave in a while, maybe he's graduated from the Ramsey show and is now on to other things 😂

Those are the things that people should definitely avoid! Agree!

I opened student loans to pay for 10 courses in my first year then I withdrew from my classes as soon as the money hit my bank account and before the deadline. I did this on purpose so that l can buy stupid handbags. One handbag got stolen by my friend at the time and others I gave away.

I got a lot of good use out of my timeshare, but it was still the biggest financial mistake of my life. They have no resale value. I ended up paying $500 net to get rid of it. Never ever buy a timeshare.

Jeep Liberty 🤦‍♂️

I had someone send me the same type of PayPal email for my ps3 several years ago. Good thing I didn’t send my ps3

ANY HOME YOU OWN - MOBILE OR OTHERWISE YOU HAVE TO PAY FOR REPAIRS.

Lol to that boyfriend

So FUNNY. Just love George and Jade

Nothing says love like a transaction

Don't buy timeshares, whole life insurance, or lease cars.

adjusted for inflation that $500 dinner set in 1980s cost him $1900 in today money

So I’m in my late 40s now but in my early 20s, my wife got tricked into a timeshare, but the way we got out of it was when they tried to collect maintenance fees, I said I do not want this anymore and if you won’t cancel it, repo it, take it back. It worked for me.

lol "she took advantage of that homie"

I have NEVER regret financing my car, cant beat 0.9% rate back then, why wait

I like watching these two together, but I will say I've never heard George say "ain't never" and "homie" before not sure where that came from! Hahaha!

I love Jade! 👏🏽👏🏽👏🏽

some collectibles may have increased in value....some

My dumbest thing with money? I used to live by the Bible literally, or at least by what I had been told and understood The Bible says about money. With whatever I earned I paid my bills and bought basic food, any outstanding money giving to people who in my opinion were in need. I never questioned why they were so short of money if they earned the same or more than myself. I had no savings, nobody to help me when I was sick and out of work for almost 3,5 months and nobody to advise me wisely on money topic. When I was 47 one incident triggered a change in my attitude. Now, at 50, I am still in the process of changing myself but doing much better.

What about buying a mobile home that's on some acres? Wouldn't that increase in value?

While dating you don’t give money unless you’re ready to marry her

I know of many trailers that are worth a lot more

Good ones,. Oh my ! But glad the only stupid things I can say I have done with money is buy a car on loan- early in my life, and not start investing until my 30s. Other than those things, have not done the mountains of dumb that seem to be so prevalent in our society today.

My stupid money thing was buying a car on eBay, a fake eBay website, sent 2900 to eBay aka scammer, didn’t realize till after we sent it. Informed police and western union. Received 2900 back ten years later.

Co signing an apartment with my mom when I was 21 was a stupid tax

Pimpin ain't easy

Rich Dad brags about being in debt, using debt as money or some scheme like that....the rich seemingly spin a bunch of fragile plates to be in debt to generate cashflow and do deals. The rest of need simplicity and peace of mind.

I all ways stupid with money 😢I pray all the time because I struggle all the time..I try but with Bidens economy I just can't make it..

Lets be more specific. You probably bought a mobile home in a park not on its own property. I have made bank on mobiles on land in far northern Ca.

I would make an argument against the mobile home part of this video. My mom bought a mobile home for 12k in 96 and it is now worth over 100k. Mobile home appreciation is really based on location. In California, a mobile home that was worth 150k in 2000 is now worth over 400k in some mobile home parks.

Thumbnail is literally all yellow with 1/8 being faces…

I made money on all the mobile homes I bought. Buy used, fixed them up myself.

Shiiiieeeeetttttt! 100k for gf bills? I give mine 200 bucks every time we dated. 😆😆😅

Take them red pills fellas.

Dynamic duo here...

1:13 - "I had to get medieval on 'em." --> Did she just make a reference to Weird Al's "Amish Paradise"!? She just made my day!

College/student loans are very similar to the time share stories mentioned.

JOHN 14:6 😊

Donald Cornwell is a bot

Takeover your ex girlfriends bills. Do not let this man procreate!

LOL paying off someone elses DEBT Even If I were to marry a chick I'd still never pay off their debt... Key words there "their debt" they have debt coming into relationship they pay it off, they want to argue, bye bye.

Never made any of those mistakes. Was more of a saver,investor, and retirement contributor living within means. Knew many doing this through the years and learned from their mistakes. The whole time share thing never made sense to me. I only rented at different places in the world with cash.

Any definitions not many people realize it when it comes to homes you have trailer parks they have a bunch of trailers and I'm kind of like a mobile homes campers then you have modular homes now you're getting up there Ray prefab home I bought a modular home came into sections I set it on a basement some people say it would never go up in value but it's also on 20 acres I did well with it a modular home is not a prefab my daughter made a mistake and bought a prefab and a trailer park I got her to move it out she bought herself a little lot put it on a block basement she's safer now the only difference in her house in a regular stick-built it might be the picture of her roof but I have a stick-built home brick I don't know what kind of definition my roof is but it doesn't have the standard 12-2 pitch to it getting a little bit out of my league but the pitch is determined by how far away how much to angle is it so many feet or foot if it's a factory or a commercial building it has flat roof and they have training systems they have little Plumbing that collect the water and send it down to the ground or they may have some form of pitch they have some form of pitch but they don't have a big picture on it the water is still has to flow somewhere otherwise just sits there

Busy head 28

Biggest regret from homebuyers in June 2022 was listening to Dave Ramseys advice and bought a home

The worst thing is to pay mandatory tithe to sect Pastors!! After 20 years your pastor is rich and you are poorer !!!

HARRIS 2024!!

Whine and dine? But don't pay bills? Wow.

Stupid is an ableist term and I love this show but I wish they wouldn’t use terms that are demeaning to disabled folks. Stupid tax is Poor decision making tax

The new host (I think her name is Jade) needs to quiet down and calm down a bit. She's making it a little rough to pay attention to the knowledge they have to offer.

Please stop with bragging. It is disguised as a story, but it is constant bragging. Please bring back Dave. These guys are so self-absorbed.

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I'll be back when this woman takes a day off.