I have 6 hours of emergency fund's saved up .😊

Jade and George have got to be my fave combo… but George works well with everyone tho. When he’s with Rachel and Dr D he’s the hard one but when he’s with jade or Ken he’s the nicer one. He’s the all around player 😂

Im 51 and i just started contributing. Its a 10% mandatory contribution. Im on baby step 2, and although I know im going to be working for 20 more years and I might not reach as high as I would've, I'm going to keep on moving forward and go as far as I can!

Elizabeth wanting to ask her grandparents for a HOUSE after everything they have done for is next level entitlement omg. She’s already wayyyyy ahead of everyone in her class graduating debt free. She should focus on her savings while in school and then start job hunting like a normal young adult instead of worrying about a house

"Be a crockpot in a world full of microwaves" I'm gunna need that on a shirt or something! But not until I'm living debt free!

Hypaecia, you are an amazing mother. I felt your tears to my core. "She watches over the affairs of her household and does not eat the bread of idleness. Her children arise and call her blessed; her husband also, and he praises her: 'Many women do noble things, but you surpass them all.'" -Proverbs 31:27-29 You are virtuous woman!

Elizabeth sounded like she wasn’t getting the answer she wanted and wasn’t open to a reality check and advice. There are many grandparents that have a heart of gold and want to help their grandkids, but she doesn’t sound like she has even considered saying no to help THEM. Maybe they’ve got the money and means, but unless they’re multi millionaires I would never in my life let my grandparents carry me like this. Guarantee she still does it and gets the house.

I don't even blame Lucas😂😂 until I saw my mom buy a 30k car in cash last year I didn't think that was a thing. Majority of the people around us are doing payments and leasing so it seems like that's the only way. Financial literacy needs to be taught more. I'm so happy im learning for my daughter.

George: Go Fund Yourself... 😂😂😂😂 I think that went over a lot of ppl head. I thought he was going to say Go F Yourself! 😅😅😅

Gosh I wish Elizabeth the best but man she is SO entitled. Gotta tone down the princess syndrome! Props to both Jade and George for setting her straight!

Great show. These young folks want to see young examples. For me, love the OG Dave. His voice keeps me in check and those admonishing jokes are the medicine I need. Miss you Dave.

On the extremely rare occasion when I do go to a restaurant (maybe twice a year), I either get an appetizer, which will give me enough for the next day's lunch; or I order ala carte, say, one taco. I always get water. I'm a very small person, so I don't eat much. To help my server out, my minimum tip is $5, up to 100% of my bill, depending on how little my order is. I'm BS7, btw. Never stop saving money.

George you are by far my favorite personality. Thank you for bringing your energetic energy and positive outlook to every situation. You are an inspiration for many. Thank you Ramsey team for everything you do for the community. 😄

I can’t believe the entitlement and the order that Elizabeth shared with Jade and George! You’re getting college and your living expenses paid for, and you want to ask your grandparent: “ 💅 buy me a house, I will live in it and you pay for it, and when I’m ready, I’ll buy it from you 💅” The audacity! You ought to be ashamed of yourself.

Elizabeth, the college student from Atlanta, is the epitome of entitlement.

When I got in my wreck a year & a half ago, insurance gave me about 11K for my 2012 Fusion. I paid off that car in 2018. With the insurance money, I paid cash for my car. I got an $8K Fusion (same color but an upgraded edition) - was near $10K with the tax, title, & license. Still dreaming about the car I want for when I can upgrade to it.

“The eye Candy” 😂 He’s stinking funny.

George is probably my favorite personality too! But I have to call him out on one topic in today’s show. He was talking about taking social security right at 62 and investing the amount for compound interest. I thought that once you took ss, you are limited on how much you can work and earn. My reading is that there is a $17,000 annual cap. This is why many people postpone taking ss until 65 or 70, because they are higher wage earners and make way more than $17,000 plus the ss check. So George, unless the person is semi-retired and can live mostly off their investments, your plan might not work. Most of us need the ss check, some work, and some investment income to maintain lifestyle. I had a big issue with Jade and Rachel giving out blatantly incorrect info about financing long term care last week. And feel also that this advice today is not fully incorrect, but missing a very important caveat. The personalities are great on budgeting, baby steps, etc. But really need to be careful to not put out false info to millions of viewers.

Board of Health does not allow anything served to a table to be reused or served to another table.

Thanks for sharing Andres Gutierrez. I never knew. Bring back another hispanic to the show.

Hypaecia and Tony are a beautiful couple and what a beautiful family! You can tell how strong their relationship is, very humble, a committed, loving team. What an example for your children. Congratulations!

They totally glossed over Michael's comment about his dad is on hospice and is currently staying with him in the house. His wife's timing has him in overwhelmed mode. Michael, I'm so sorry for your current circumstances.

Elizabeth is spoiled as hell holy crap.

Liked the segment on Hacky vs Tacky.😀 If you split an entree, however, be generous with the tip. For the two of us, getting one take out entree and splitting it at home (with no bother cooking or clean up) can be just about as cheap as cooking because we are Seniors with smaller appetites and we can usually split one entree and even have some left for a light lunch the next day. But personally we don't split entrees if we go out to a restaurant because we don't want to short the server from what could have been a larger tip while taking up just as much of his or her time and effort. I have often told others trying to get out of debt to order an appetizer and ice water - they can still be with their friends for a lot less money. (They're usually the ones who are thinner, too...) Absolutely NO splitting checks!!! Usually the people who propose this are the ones who are benefitting. Treating another couple is a different matter - that's a gift. True story: I had a teacher in my department who moved to Florida with her husband and they were back within a year. She couldn't find a teaching job and so she worked as a server in a restaurant. She said the Senior citizens would come in, split an entree, drink ice water, leave a dollar tip, and then strip the table of everything that wasn't nailed down on the table (napkins, Sweet and Low, ketchup packs, etc.) She couldn't make any money there and swears there are whole rooms in apartments in Florida full of nothing but what has been grabbed off the tables! No, personally we don't take the extras. We feel like if you need to do that, you should eat at home. My daughter worked as a server and got so frustrated with people who would have 3 or 4 drinks and then leave a miserly (or no) tip. Couldn't they cut back ONE drink and leave a better tip?

I have been listening for three years now and my husband says he's proud of me for trying to learn finances but he's tired of listening to the show😂 im not stopping😏

Terrific show today, George and Jade. So well done. 👍

The caller Elizabeth thinking she can earn 80K as a newly graduated entry level hire at any Interiors firm is pure fantasy. Someone fresh out of Interior Design school will commonly be hired as a lowly Intern charged with very basic tasks to assist the more senior designer staff. If she moves to a state where Interior Designer is a licensed professional, she will have to start a formal Internship and work a few years before she can take the qualifying examination that allows her to use the title "Interior Designer". She will likely be earning a starting salary anywhere between 35K - 55K at an Interior Design firm. Maybe a bit more in cities where the cost of living is high.

Loved the "Tacky" or "Hacky" segment in this video. Very insightful!

George killing it! I was worried that I would stop listening when Dave retired until George became a personality.

I like George! He is like an off brand that you try once and realize it’s better than the on brand😂

1:47:57 i FEEL you Hypaecia!! Cooking at home is the hardest part of my debt free journey

You guys need to acknowledge that social security at 62 has earned income limits set at $56,000/yr. Plus Medicare does not start until 65 so there are alot of things to consider before taking 3 years of social security.

I used to work in.a Mexican restaurant. We NEVER recycled the chips and salsa. How GROSS! 🤢 And since I never plan on taking a cruise, I won't worry about their policy.

So there! I just passed this onto my son-in-law, but he won’t listen but I did it. I did the best I could and I can say that you’re doing more than the best you can you’re doing it.

I had to pause Elizabeth. She is embarrassingly daft.

This couple's story got me so emotional. What am amazing journey 💖 All the blessings to them. Gx

My wife stabbed me with a plastic fork over a piece of chocolate cake when she was in her 3rd trimester 😅. Sounds worse than it actually was

Restaurant hack on a budget: Order appetizers and go to a byob. When our kids were little it was a great night out w hubby or friends

I was told never to get ice at a fast food restaurant or any restaurant because they never ever clean inside a ice maker ,, and it grows mold and mildew from The continuous opening and closing

George is so sweet to give the family a babymoon gift,

The girl who wanted the free house is why all young guys should stay single

Love love love Jade's hair like this!

The "Tacky or Hacky: Restaurant Edition" was brilliant!

Another comment on eating out which was part of today's broadcast: If you look around in restaurants, you'd be hard pressed to think anyone has any money worries. Where's the inflation and high cost of living? We usually eat out on Friday night - had to wait almost an hour and the place was packed out all night long. Folks still pouring in at 9:30 p.m. I know what we spent for just two people. I can only guess what a family with two and three teenage kids is putting down on the table for just one meal eating out! Same at all the local restaurants here.

Thank you for sharing. Financial education is crucial today to show incredible resilience and discipline in the volatile market, masterfully balancing strategy and insight for success. This dedication to continuous learning is inspiring...managed to grow a nest egg of around 2.1BTC to a decent 15B TC in the space of a few weeks... I'm especially grateful to Linda Wilburn, whose deep expertise and traditional trading acumen have been invaluable in this challenging, ever-evolving financial landscape..

This episode was absolutely golden beginning to end it felt more within my reach that I could be one of these on the path to success Although I gotta say Elizabeth doesn't know what she has going for her a lot of people have no help at all she needs to be appreciative of her family

53:20 I ❤ the restaurant edition….tacky or hacky?!? Awesome idea! 👏🏽 👏🏽👏🏽

They’re not lying about social security. I have a vested pension (I slipped in a few years before they ended it for new hires) and I still started a 2nd retirement account. Always have a plan B guys.

YEAH!!!!!!!!!!!!! Congratulations TONY AND PAE🔥🔥🔥🔥🔥🔥🔥🔥

Beautiful team! Intelligent, insightful, intuitive, and witty. Winning combo, folks!! Thank you for what you bring to the world. Keep being authentically YOU. :)

Thank you for the segment about social security... I've thought for a long time that since we have retirement account money we should definitely take social security money as soon as possible and add it to our bucket. We will do a much better management job than the government.

The “should I ask my family to buy a house” is a similar question I had. I mean I wasn’t going to ask my family to but, but I’m in a similar situation. Renting and owing is about the same where I am. Thanks so much for the clarity I actually signed a lease yesterday🎉

"Middle Class Baller" 😂

George, as one Boston guy to another, I hope you'll reconsider some of your recent advice on SS. We both agree that it is NOT a retirement plan, and may be unstable in the future, but I'm not sure your advice to take it at 62 and invest the payments in the stock market is wise for many people. For one, if you're working full-time, there's going to be a big tax hit (tacking social security onto an existing income), cutting sharply into returns. Also, someone between 62 and 70 likely shouldn't be fully exposed to the possibility of bad market year or two at that stage of life. A more conservative portfolio, as most advisors would recommend, is not going to reap a 10% annual gain. In addition, I think Jade said social security has a 2.8% annual return. Not so - it's more like 8%. And you do not get back only what you paid into it. Depending on your lifespan, you can reap much more. Again, SS is not something to rely on, but it can be an important part of an income stream. Please don't tell people to collect it at 62 and invest it in the stock market. That is too risky for most. Otherwise, you're doing a swell job! I'm a Massachusetts liberal who can filter out the religious/Trump-leaning sentiments of some Ramsey content and appreciate the common sense approach to getting out of debt. And yes, I am debt free, with or without a scream. Thanks.

If you make over 100k you won’t get social security at 62. They reduce your benefits until you are at full retirement age, while you are still working. You will not be able to invest the Social security if you’re not eligible to receive it based on earned income. The idea to invest the full SS benefits while still working will not work because you make too much money. They reduce the benefit by one dollar for every two dollars of your benefit. If you make three times what your benefit is at 62, you make too much money to qualify for the benefit. You all had made this argument before. Most earners working at 62 can’t qualify for SS if they make 6 figures.

True about the portions. But here's the hack, leftovers. Always take them. You have another meal prepaid.

Awesome advice about Social Security! Thank you!

The Dream Team

Hacky - I will go to a fast food place to get a meal with a drink. Before I leave, I get a refill with no ice. As much as they make off drinks, especially tea, I don't mind doing it.

HAMMOND, INDIANA DEBT FREE SCREAM!!! I live there!!!!! Congrats!!!! 🎉❤

The daughter from Mexico is great for caring enough about her parents future. With $23,000 US and if they spent $14,000 for a car that leaves them with $9,000 US in savings, no debt, and 3 properties and his $3,000 US a month in come. Awesome daughter!❤

I’d love to see more on the social security. If no retirement would they still suggest taking it early? Or is there a show in it that idk about

On Thursday, July 4th, I'd like to hear Jade sing the Star Spangled Banner on the debt free stage, live on the show. "O'er the land of the free..."

Lol OHSA violation for a bread basket

I’m rolling when she talked about giving Lucas a whoopin…I’m thinking of that episode of the office where Michael Scott’s nephew, Luke, got a whoopin in the middle of the office🤣

Hacky for sure on no ice! Else it’s mainly ice and not much of the drink then gets watery.

The insync “Woo Hoo” 😅

Dude better just start planning on selling that house. after child support and hes bringing home about 1500 a month he probably wont be able to afford rent on some shit hole for the next 20 yrs

2:05:40 Watched it live, but a little behind, so I can skip the ads.

I’m a kids meal person too!! Too big of portions kill me

No way!!! That’s my name too..AND I’m also from Indiana!!! So crazy!! But my name is spelled Hypatia. Congratulations Hypaecia & Tony way to go!!!

I feel bad for Michael. My rent and utilities are also about 1750 a month, and I bring home $4,400 a month. I'm a single woman with no kids or pets. I can't imagine having to support two other human beings with my current income. I'm just getting by.

If you go to Red Robin tell them you’re splitting it and they’ll do it in the back for you for free. It’s like two little meals.

I think eating food family style is hacky and a waaay better experience!

George!

She is abusing her grandparents

George: "my mom says I should smile more" George does not smile 😅

Guy getting divorced with a 7 month old baby smh it’s about to get ugly!

The reason RS is endorsing Health Trust Financial for medical insurance is because HTF gave RS a huge check to do so. How naive do they think we are? Now, I'm not saying HTF isn't a good company...I have no idea if they're good or not, as I've never heard of them before. I'm just saying RS is endorsing them because RS likes the company, AND HTF paid RS an endorsement fee.

I don't think the divorcing guy realize how much his wife's income, which sounds like it wasn't much did contribute to keeping them afloat. Jade is right he's gonna have to sell the house and get something more affordable.

The problem with George's theory on taking SS early is that if you take it early, it limits the amount of income you can make from working.

The fact that Elizabeth thinks she’s getting 50-80k as a recently graduate and 0 yrs of experience…

Jade is wrong about taking social security at 62 and continue working to received SSA benefits to invest. You will be penalized. If you make over $47K at 62 your benefits will be zero, nothing to invest. The government takes $1 for every dollar made up to $47K. If you plan on retiring to get the money like Jade mentioned call and setup an appointment with the SSA or lookup your benefits based on your income if you continue to work. If you retire at your full eligible age which is 65-67 depending on your birth year then it doesn't matter how much you make, you will be eligible for full benefits with no penalty.

That sounds great to take SS early and invest it. But at 63, I'm still working full time and my understanding is that I would be limited on how much I could earn if I take it now. I don't want my earnings to be limited.

17:43 Jade goes over the top

I would not want a Camaro. They do not look like muscle cars anymore.

Gerry Rafferty is the man, great intro lol

Awesome family from the debt scream from Indiana, my home state!

Alopecia brought it Today!!!

George with the Mugsy Bogues reference 😂

Sell. I went through a divorce. Any fixing up on the house if you decide to sell later she won’t be responsible for. Get an apartment

1:24:25. Crazy call

I’m a total Ramsey fan BUT I believe George’s comments about taking social security early (at 62) were misleading and inaccurate. Up until target retirement age any work earnings over $22,320 will reduce the amount of SS you receive. Here’s what SS site says, “If you are under full retirement age for the entire year, we deduct $1 from your benefit payments for every $2 you earn above the annual limit. For 2024, that limit is $22,320.” Taking retirement early and investing all of it doesn’t take into account what you are going to live on. For me, I’m investing social security after reaching target retirement age so I’m not limited on what I can still earn.

Did that dave ramsay commercial just tell people to refinance there private student loans? Lol

What a GASSSS. Loved that one

I bring my Milo water flavor

Can someone explain the Robinhood RUN statement? We've just started investing in it....😕🤔

You do realize that there are income limits when drawing SS benefits before full retirement age! That’s why people wait. They can’t continue to earn substantial money!

I mean good show but extremely different than the Dave Ramsey shows we all came and stay subscribed for.

Lukas, go to your local junk yard. Every one of those cars was someone’s new dream car. Don’t do it!