Finance and Business books have been so helpful. I’m 55 and my wife 50 we are both retired with over $3 million in net worth and no debts. Currently living smart and frugal with our money. No longer putting blames on FED for our misfortunes. Saving and investing lifestyle in the stock market made it possible for us this early, even till now we earn weekly.

I’ve been in the caregiving field for 34 years. Hiring privately is the best way to go. If you put your loved one in a nursing home you never know who is taking care of them. They hire people off the street in desperation. The staff is constantly turning over, and the quality of care will be much much lower. They’re often shorthanded, and they have to cut corners just to get everybody out of bed and serve them breakfast. I now work privately. I haven’t worked in a facility in over 20 years. I get all my jobs by word of mouth. When you hire someone privately you get references and you can vet them yourself. When you find the right fit, it’s a blessing! They actually become a member of your family. They are part of your household. They build a relationship / rapport with your elderly family member. The quality of care is top notch because the caregiver’s primary focus is on your loved one, and only them. You also won’t have all this foot traffic. Your elderly relative will have consistency dealing with the same person or it may be two people doing 12 hours apiece if you need 24 hour care. Again…..Hiring privately, is cheaper than going with a facility or an in-home care agency. When you put your family members in a facility, you often have to liquidate your assets. There’s a lot of angles to explore, but if you can hire somebody by word of mouth and good references in your community, then you’re golden. I’ve met some wonderful people over the years. I have still stayed in contact with sons and daughters and grandchildren of my previous clients who have since passed on. They become part of my reference list as I move forward and acquire new clients.

Dave & George are the best combination for the classic Dave Ramsey show experience.

AWESOME! DAVE AND GEORGE ARE ON ! CANT GET BETTER THAN THIS!!!!! I don't even need to go to Disney for dreams to come true! 🏰🏰

1% here! Made payments all through Covid and when I found out interest was going to start again I paid them off.

Love Dave and George. George is a natural. I think he’s my favorite personality now. Also, Smart Money Happy Hour with George and Rachel is so good!

I love DAVE and GEORGE together. They made my day

My favorite hosts; Dave & George 💪

Putting well-earned money into the stock market can be over emphasized for first-time investors, unlike a bank where interest is sure thing! Well, basically times are uncertain, the market is out of control, and banks are gradually failing. I am working on a ballpark estimate of $5M for retirement, and I have a good 6-figure loaded up for this, could there be any opportunity for a boomer like me? I'm nearly 60.

Love your show! So glad I am part of the 1% that continued my student loan payments. Newly found you and now beginning the Total Money Makeover. Excited at the thought of being debt free so much sooner than I originally thought we would be :)

So funny when Johnathans tone changed as soon as they hit him with the cold hard truth that he wasn't as far along as he was. Came here to get congratulated and ramsey threw the uno reverse

Dave is always entertaining lol

George's smile after saying his mom is biggest critic saying he needs to smile more 😁

You know what I like the most. Not owing money in any way to anyone or anything, my life is so much better, and more calmer. The freedom restored if you will, and now I'm very very careful on shopping, in a new healthy way. 💪💪💪💪💪💪👍😁

This is one of my favorite Ramsey videos of all time. Anyone who is in any doubt about whether Dave’s methods work needs to listen to caller Kim. You can just hear the joy and relief in her voice. I’m so happy for her and I can’t wait to get there soon!

The G.O.A.T is back🎉🎉🎉🎉

NEVER "borrow" from your RRSP in Canada. I did that once and paid dearly for it. When you take it out, you are taxed at source, it then is added to your income for you tax return the next year you file. If it is a big enough amount, it puts you in a different tax bracket and you then have to pay tax on the new income amount you earned technically. In my case I owed the Gov't an extra $3800.00 in taxes I couldn't pay. Long story short. I declared insolvency and took 3 yrs to pay it out and 6 weeks later bought a new truck and that is the only debt I have and will have it paid off in my 3 yr timeframe (May/June 2024) and after that SAVE SAVE SAVE and carefully invest for the future. Just getting my son started on his investment journey at 18.. Thanks to Dave and the team for all of the help and info you give FOR FREE to many that call in, and those that just choose to listen and use the lessons of others to try and avoid the pitfalls of money and debt going forward..

I love when they talk about baby Kamel and grandma Kamel

I love the millionaire hour!

I am in the top 1% of something? I have been really agressive with my student loan during this pause and it has saved me thousands upon thousands - TAX FREE MONEY BABY

Dave and George are the BEST!!!❤

"10" star program This is THE "BEST" FINANCE, or wealth building program out there. Thankyou Dave Ramsey and Company.

I LOVE Tammy's piece of advice-treat an investment like a bill.

Yay!!!! BS Millionaire hour❤ Absolutely love this segment. Always inspiring and keeps us focused on the long game😊

Dave Ramsey for US President 2024 🇺🇸

Dave has changed my life for the better! Debt is gone!On track to pay off mrttgage! Thankyou Ramsey crew:)

"emotional bandwidth" > good term (Dave uses around 1:21:00 discussing a $200k rehab). I think about 'emotional bandwidth' all the time when making decisions.

Soon I'll be calling in as a millionaire.

Congrats Alec on starting a new chapter being debt free and engaged!!!

Great show ⭐⭐⭐⭐⭐

When Dave start talking about furniture…it’s a auto save to list… 💯

Love George! He’s so funny!

Dave’s timeline doesn’t add up for John in NC. Throwing $70k a year at the debt is unlikely. $130k nets around $91k, minus Dave’s $70k is $21k or $1750/month. Didn’t the guy just say his rent was around $3k alone??

Thank you for your knowledge on adjustable rate mortgages and why they are SO BAD!! Thanks Dave!!

Yes, our small business has never had debt and never will. While others go under, we hold in those downturns because we don’t have the pressure of debt. Stick to God’s and grandma’s ways!! Ramsey Solutions is such a God send for personal and professional growth and freedom!!! It’s worth all the sacrifices and looking down the man in the mirror.

So I guess the banks gave loans without considering the student loan debt someone owed? That seems interesting to me. It also seems like 99% is a really high number of people who assumed they would get forgiven.

Congrats to Alec, wish they would ask if his fiance had any debt i think thatd be interesting to know if she's on board which i would guess she is!

Life changers ⭐️ 🌟 ⭐️ ⭐️ ⭐️

Awesome! Danielle, CT an Everyday Millionaire!!!🥳

Most people moving to a southern state from California are going to have a big pay cut. I moved to South Carolina and ended up moving back to California because of the low pay. I make $50,000 more a year here for the Exact same job. Even a state with no state taxes isn’t going to make up a $50,000. pay cut. Also know someone who moved to Florida and took a pay cut plus paying more in property taxes and much more in homeowners insurance and utility bills due to having to run air conditioning all the time. I rarely use air conditioning or heat because I live near the California coast and the weather is beautiful most of the time. Alec is lucky he got the same pay in Tennessee but that’s not usually the case.

How on earth did the 70-year lady not know she was almost a millionaire?!

I’m not sure about the millionaire hour. I prolly should tho maybe I’ll learn some more.

Alec looks like George.

I’m new to getting my finances in order and looking into retirement in a more serious note. I have a Roth deferral plan. Is that the best one for me to be set up with through my employer? I’m 35.

I’ve been listening to this Ramsey show for a year now but I’m in Canada. I follow your baby step but How can I invest in stock market like you do?

They transferred my discharged loan mortgage loan to a servicing company and they transferred the interest repayments that were missed while I was on forbearance under the CARES act are they aren't they supposed to not charge interest under the CARES act forbearance?

go Dave and skinny jeans! lol

Many millionaires invest in precious metals, despite Ramsey and John always putting that down.

16:45 Georges face just listening to her keep talking 💀💀

😅😂 dwl I just love Dave. He's like a black man in a white man skin. So freaking hilarious 😂 "the little man can't get ahead" 😅😂

Papa Dave is back!

200K-don't do it! Build a house instead! What a hassle this would be. No rehab. No thanks.

How can I get out of an adjustibe rate mortgage?

I love millionaire hour!!

1:40:30 Millionaire facts.

I'm curious what the plan is for some of these younger folks with HUGE amounts in non-retirement (brokerage) accounts? I wonder maybe they are parking it there for a future r. estate purchase and need it liquid? If it's short term though, they can get 5% in online savings accounts, so it just has me thinking. Anyway, happy investing everyone. Be well, -Paul (Boston, MA)

🥳it's the Millionaire Hour!!!!

When I started I was 112,000 in debt, now I’m contributing 15%, paid off house, just started 7, with LPL Financial

Wait…. Did Dave say a “Crack Recession”?????🤣🤣🤣

I just want to watch shows hosts and cohosts

I was right. It was vacations.

First time to hear a Canadian caller! 🇨🇦

I always hear huge jumps in income on these debt free screams. While I was working for an employer, the most I ever got in raises was $1/hr is this uncommon? How do people get like 30-50k pay increases within 2 years working for an employer?

The guy with the student loans and the car loan wants to buy a house. He's "tired of renting". I bet he won't listen to Dave's advice. Follow those baby steps! The guy outgrowing his house and wants to rehab his house won't istwn to Dave and sell his house and get a bigger one. He's going to renovate his house with a pregnant wife a d then a newborn baby. I could hear it on his voice. He just wanted Dave to agree with him.

The VW Atlas is gonna be the achilleas heel , should've gotten a 2019 Pilot or Acura instead

Is the net worth and assets the determining factor of wealth. So to be a millionaire, For example. I am mortgage and debt free.retired with pension income, have side job and So Would the value of my house, plus cash and other assets (total sum)?-if totals a million dollars 💵 =millionaire?

The part about experian should be investigated even wow

From Canada here, his advice on withdrawing from RRSPs isn't accurate. For Canadians, there is no penalty. They initially withhold a set percentage, which varies by province. In AB it's 20%. At the end of the year, your withdrawal is counted as income, and the withheld is counted as taxes paid. So the decision to withdraw really depends on your current income. For example, I had a year where I was home with the kids, and so I withdrew exactly the amount that would not incur taxes. They initially withheld 20%, but at the end of the year when I filed my taxes, I received it all back as a tax return. There's also no penalty for withdrawing from TFSA. You only lose the available room for the remainder of the calendar year, but you get the withdrawal amount added back to your contribution limit in January.

Could I implore the chat and the ministry to think again about the headline? For the love of money is the root of all evil: which while some coveted after, they have erred from the faith, and pierced themselves through with many sorrows. 1 Timothy 6:10 That literally says you cannot win with money. Don't make money and budgets your god. Be good stewards with what you are given. Love of money, or avarice as it is also translated in Strongs comes from the word philargyría. avarice means excessive or insatiable desire for wealth or gain. I'm concerned about the headline. Please pray about it and think about whether that is the best headline. Our victory is in Jesus Christ the Righteous Son of God, not in money. It is clearly heresy - the headline.

Experian only reported on it. They have nothing to do with anything.

I’m one of the few gen x that wants that house😅

If I have a debt of USD 20500 and I acquired the debt through my private limited liability company but its nolonger existing yet the creditors are on my neck and I file for bankruptcy of the company to get out of the debt. Is it a wise idea?

Seeking advice as a 30-year-old male. I'm currently earning $36k annually and have a debt of $22k. While I rent an apartment and work at a dental lab, I aspire to enter the real estate field. Despite enduring childhood trauma, I'm striving to move forward and leave the past behind. Any guidance would be appreciated.

So glad Dave knows about long term care. I am a funeral director and I would suggest that she prepays the funeral and lock in a price with the funeral home of her choice long before she ever needs long term care or Medicaid.

Is it ironic that my last name is bass lol

Calm down Dave❤! You'll have a heart ❤️ attack and Sharon will never forgive you!😢

dadgumit

Um, Like, And You Know!!! Over and over again good grief

When tax is withheld from withdrawing from rrsp or 401k you still get a credit against tax payable. I’m surprised Dave didn’t mention that.

how do I block this channel? anybody?

Dave is 💤 😴 or simply not informed.

All the millionaires make over $100,000. This is not possible for people making $60,000

Don't even get your 401k match while you're indebted? Absurd.

Every time Rachel says 'pay for and pray' for each others medical debt in the CHM advert I throw up in my mouth a little 🤮

I hope the daily finger wagging at the student loan borrowers who havent been paying ends soon. It is getting really old.

OMG 😢Mr. Ramsey disparages and calls people names & says they live in basements if they criticize him LOL 😂. This man is almost a billionaire and he’s so insecure & thin-skinned ?