Been watching for about a week. Just took the money I had saved up and paid off my car, paypal and credit cards. Can’t believe I didnt do this sooner. Can’t wait to start seeing the money stack up not having these extra “debt bills”.

In Costa Rica we eat rice and beans EVERY DAY.

I live with my husband and my 2 boys ( 6 mo and 3 yo) in a small 1 bedroom flat and we are currently on baby steps 4,5&6 combined. I say combined because we save more than 60% of our monthly income towards retirement, children and a deposit for a house. We live in England. I learned to be the best at everything. I left my great career in the corporate environment because childcare is very very expensive and I became the best. Best hairdresser, best cook, best entertainer, best small space organiser, best homemaker. We are currently 33 and we both see each other at 40 as a healthy family with 3 children, still debt free, with a 7 figure business and a veggie garden ❤️🙏. Don't let society dictate where and how to raise your family. Small spaces brings family together. WHERE THERE''S A WILL, THERE'S A WAY!

The ultimate entitlement is thinking your child needs to pay you back for existing. I'm praying for Taylor and her mom.

Just paid off my credit cards, feels so good! Next step is my car and then I can start saving for a house.

We have about $20k in the bank, but we have yo-yoing credit card debt (pay it off - charge the card - hold a balance - repeat). After watching this video I opened by banking app and paid off the credit card. Then I opened an excel doc and looked/logged/categorized all spending from Jan to today. I cancelled 3-4 subscriptions, cut the cost of another in half. I see that I Zelle too much money to others, and I spend WAY TOO MUCH MONEY on Amazon. Too much. The saved money is the nest egg for when we close on our house in April (to finish the backyard - new build problems). So starting I'm the emergency savings at $5k. Hopefully we are in a decent place now to continue the baby steps. Now that I see laid out clear as day where my money is going (to absolute nonsense), I will be able to cut those expenses.

I hope that first woman spends some time alone and is much more careful in the future if she decides to date again. Two abusive exes with kids is something that needs to be examined.

We have over $40,000 for a down payment or outright purchase for a new vehicle. We say no. Just got my 2004 silverado work truck from the Mechanic. He said its running great. I may have another 100,000 miles with it. It has $428,000 origanil miles on eng/trany. I'll wait. Its been paid off since 08. No vehicle payment allowed us to pay off our mortgage 5 years ago. Stop buying stupid stuff!

8:42 I love that Dave is empathizing with this lady and helping her get in touch with Zander after she got out of an abusive relationship. That is an incredibly heartfelt gesture and she will never forget it; I can guarantee that as someone who's left an abusive relationship.

Young person who has a difficult Mom, I am a Mom of 40 year old kids and I am really, really proud of you! Your accomplishments are just great and when I think of you I smile because you make me so happy! Sorry your Mom contributed so little but you made it even through a hard situation. You will do great things!

21:20 pay our student loans or buy a house? 26:05 use our vested stocks to pay off our mortgage faster? 28:30 preparing to take out student loans for girlfriend 33:00 should I lie to my entitled mother about money? 43:15 my dad foisted the parent PLUS loan on me 52:40 plugging the January 11 Ramsey livestream 55:20 long-winded caller is inspiration for episode title 1:05:20 go back to school if we still have debt? 1:24:38 using prenup opinions as a litmus test for financial knowledge 1:33:20 should my parents set up a trust or a will?

I worked in collections at the Target Corporation for years and was one of their top producers. Customers sent complimentary letters about me to the Target CEO They gave me the tools to help people solve debt problems with us . I did my job in a way that was going to keep them as a Target customer.

Though everyone loves the luxury lifestyle but many don't want to take the risk to invest or work for it.. Now's the best time to buy the dip and it's an opportunity that will grant you all the luxury you crave for.Very interesting content, i would also be glad if anyone here can explain a few things for me, this is 2024 and I believe it's my time to invest and shine for a better future.

This is the episode that shows how mature children can be even with immature parents.

What Dr John said about walking away instead of standing your ground was exactly what I needed to here after a wounding conversation with a my ex wife. I wish I had heard it yesterday!

LEO wife here. Husband spent first 14 years of career with no holidays or weekends off. You have to change your idea of traditions and make new ones. this is the first year he’s had weekends and holidays off - but to trade…he’s teaching at their training academy 1.5 hours away and isn’t home 4 days a week. We have four young boys. We foster. I homeschool. I spend a lot of time alone with my kids taking on all the home responsibilities. I can understand the hardship. But he loves what he’s doing. We love having long weekends and holidays together. We actually get to go to church together. There’s always a trade off in any career - grass is only greener on the other side for a little while. Hang in there momma and find some support! Work through it together and keep communicating so you don’t build up bitterness. ❤

I needed to hear this one so much. My mother just took out 70k in loans and is expecting me to pay it back. I said no to everything she wanted to buy. Now she thinks it’s my responsibility.

Dr Deloney’s book is amazing. I love his realistic direct approach. These 2 are great to watch. I like George too!

Now we just need to see the PbatesLTD price also move in the same direction as these charts. Up. Very Up.

I’ll be adding PbatesLTD to my portfolio soon, 10k is plenty to start.

How about this. Don't buy crap just because you can afford it. Live like no one else so....

35:00 Taylor in Indiana, there is no law that says you have to have any contact with a toxic individual. That includes parents (your mother). You're an independent adult, and you can choose to not interact with her again. It's not easy, but it can be done.

I got emotional over the caller who’s mom did not celebrate her accomplishments. It cut deep. I didn’t realize I was hurting with this until you guys started talking about it. I felt so much pain. I graduated with a masters. First in my family to graduate college or to even go into college. I felt I always wanted to overachieve go get recognition from them and other people.

It’s so hard to unlearn the traditions, my mom planted into my brain. We lived on credit card debt all of our lives. My parents still live on credit card debt, and every single birthday party I had was just massive and we don’t believe in credit card debt. We also don’t believe in spending obnoxious amounts of money on birthday parties and here my child is having an eight-year-old party and he’s very content but I feel like I’m not doing enough with just having a couple of decorations, a small little cheesecake, and Pizza for the kids and I feel like I’m not doing enough because I grew up with having so much birthday everything. And every moment of today’s probably going to be like just think of what David Ramsey says live on less than you make live on less than you make it’s not about how much crap the kid has, It’s about the memories that I make so, it’s a process and I’m definitely unlearning it. It is so hard Dave!!!!! But THANK YOU!!!

Broke the rules but managed to come out ahead anyways. Bought a house when I couldn't afford it in 2007, owned it 16 years, often had to borrow money to make the mortgage payments, in 2009 the market tanked and the house was valued at half of what I paid for it. Honestly don't know how I never lost the house but somehow hung on by the fingernails. Didn't even get back to break even until 2017, then the market really went crazy after that. Just sold the house in December for several times what I paid for it, was able to pay off the mortgage and all the other accumulated debt with enough equity still left to buy a less expensive house with all cash. Am somehow retiring with zero debt, owning my own home and a net worth of about half a mil. I wouldn't necessarily recommend going this route; I think I got lucky. But it does illustrate how buying a house can be a good long term investment.

Wow! I just love all of your financial advise. You guys are the best! May God bless you.

Need more PbatesLTD content. Converted my ETH to BTC but kept my PbatesLTD

I wish I had connected with Mr. Ramsey’s show sooner. Life saving show in this world…… Thank you

I wish I had a prenuptial agreement with my abusive ex. Once I decided to leave him, he tried to make me go bankrupt with lawyer fees. Had I had a prenuptial, I would not have ended up with 153K of stupid lawyer fees. I'm still paying 11 years later, but almost done.

Dave Ramsey is completely wrong. If a person opens up a credit card in your name WITHOUT consent, then that is considered credit card fraud, and she is under no legal obligation to be responsible for the charges. What she needs to do is file a police report and identity theft report and submit it to the court and Chase Bank.

We had three kids in three years and my hubby was gone working states away a lot of the time to take care of us. we have been married for 19 years and are debt free and i have never worked full time. My husband is amazing. yes, he has missed some birthdays and a few Christmases but those sacrifices have set us up for the rest of our lives.

We all know the first caller knew damn well about the credit card and isn’t taking accountability.

The last caller yikes ! She was not direct and with her feelings and they were really trying to help her . But I guess you can’t help someone if they don’t want to help themselves . Hope she figures it out

Yes! You need people you can celebrate the good stuff with. Unfortunately, there are lots of haters🎉🎉🎉❤❤❤

This is the best advice I've ever heard. Thank you!! 💕 I feel like i can get out of debt and save to buy a house.

She needs to insist that it goes into arbitration. There is an arbitration agreement in nearly every credit card agreement. Fees on consumer and business side are completely lopsided in side of consumer. Just taking it there can make them back off.

Inspiring video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family

My son finished dental school at 32 and went right into working at a small practice. His program had a lot of clinical work during years 3 and 4 so no residency was required and he immediately began to work. Yes, it cost almost $400K, but his income increase is making up for it, and he has a balanced home/work life.

Some of these calls stress me out...just listening to what people are going through...

FYI, Our homeowners insurance includes identity theft so check with yours first before getting a separate policy.

Thank you Dave for your information. I'm almost thru working the steps. Woohoo.

You can file a police report for indentity theft online with alot of police departments. Then, you file that report with the Federal Trade Commission..it will stay on file

Regarding the last caller: I wanted them to ask her if there’s another guy involved. She’s so lackadaisical about destroying her marriage and the lives of her children! If I left my husband over the first 4-8 years of our children’s lives, when we were both trying to figure out how to be parents AND spouses, I would’ve made a terrible decision and ruined my children’s lives and hurt them beyond repair. So thankful God got us to where we are! It takes work, commitment, and choosing love!! Grass isn’t greener!! Don’t do what you’re about to do!!!

That marriage one made me so sad. So your husband is reconnecting with his children (18months is literally nothing, is she serious!?) And since you don't wanna forgive him or rebuild/reconnect with your husband you want to rip your daughters away from their father!? She sounded so cold and disconnected, but wanted to accuse him of having (past tense!) been the same ... So sad. Kids need both parents. She couldn't even give a legit reason to leave. Our culture is so effed.

She’s a dental hygienist and makes $40,000?? How? In Virginia we all make between $70,000 to $100,000 being a hygienist. I wonder if he meant Dental assistant.

My dad is a firefighter, my brother and best friend are as well… don’t marry a man (or woman) who is or has dreams to be a firefighter if you can’t handle it. It is normal to miss holidays, it is normal to have to do things without them. DONT sign up for that life if you can’t handle it.

Ensuring the protection of your capital holds greater significance than solely focusing on making money. This is primarily because once your capital is lost, the process of generating profits becomes significantly more challenging. It is comparable to the notion of "missing the train" versus the irreversible consequence of "losing your money." While there are various opportunities available, once your funds are depleted, it becomes exceedingly difficult to recover.

In regards to the prenup and this is for more of stay at home parents or planning to be stay at home parent GET A PRENUP. As amazing as it is being with your child at home it will cost some gaps in your resume and you will miss out on promotions etc. Make sure you and your child will be set up for success with/without your partner just in case.

Dave is steamrolling Deloney in this episode 😂

Life is a result of the choices we make.

I had my son in 1990, and we moved in 1991, leaving a forwarding address for any mail. Fast forward to 1999 when my husband and I go to buy a house, our credit score was terrible because of a doctor’s bill they never sent to us. It was for the anesthesiologist. It took a huge chunk out of our down payment. The calls were filled with profanity and screaming, upsetting my son who always loved to replay the answering machine. We took care of it but it would have been much easier to get the bill in 1990. LESSON LEARNED: ALWAYS monitor your credit report, and report errors ASAP!

In some states, banks only have 3 years to collect credit card debt from a customer. Just do an online search for your state. My mom was a victim of credit card identity fraud and after 3 years, the banks left her alone.

You don’t need a bigger house to grow a family. My parents came to America to escape the Vietnam war. I have 3 sisters and we lived in a 1 bedroom. 6 people. Make it work and leave your ego behind

Every time listening to your advice love you more ❤❤❤

Always good advise from you two. The challenge is to get people to chose to "sacrifice" the new car, new clothes, etc. for a short time. There is not an instant fix, no magic pill. Too bad our schools don't teach practical economics, because too many parents don't or can't. Why is saying " I can't afford it" a bad or shaming thing?

I feel so bad for these young people who have had to put up with these immature, cowardice, so-called parents. Sometimes in life you have to give to yourself what you wish you could get from others.

Interestingly, banks more commonly go after people with under 10k in credit card debt because people with more than 10k debt are less likely to be able to pay it off.

Men & their trucks. Caller lovingly says "my truck" four times. Paying for baby stuff is goung to hit them hard. Even with free rent at grannie's "estate." 😮

That last caller who wants to leave her husband is delusional. He will remarry and end up okay and she will end up alone if this plays out the way most of these situations do.

On the student loan debt the mother and father should split that debt and pay 30k a piece which is totally manageable. Today in divorce or custody hearings it is standard to split college costs in thirds, the child pays a third and each parent pays a third .

Parents don't need to take out loans for kids college. Save and go to cheaper schools. 🙄

I did a short stint as a debt collector in my early 20s. I hated it. I absolutely hated it. Needless to say, I wasn’t very good. glad I wasn’t very good😊

There is another consideration for the dental hygienist call. Here in Virginia a hygienist has to work under a dentist. However, in some other states a hygienist can set up his or her own independent office. If what the wife wants is independence to "do dentistry" the way she wants to do it, perhaps consider a move to a state that would let her have her own independent hygienist business - certainly a lot cheaper than going to dental school. She could also specialize in making bridges, crowns, and other technical lab type work as an additional supplement. All that would mean she could make a lot of money, but have far fewer expenses than dental school bills and setting up a practice. My sister-in-law had her own independent hygienist business and made a ton of money before she retired.

Man Dave helping out with ID theft good man I work in Identity management

Love this. Mr. Ramsey thanks so much for all the great videos! You are right on the money!

Firefighter career - I was married to a cop. Couldn't imagine asking him to quit his career. The problem was the PTSD he came home with and his refusal to quit going out on his Regular Days Off with co-workers. I divorced my cop because he was married to his career. Not me.

This is the only one thing I disagree with Ramsey on. It’s about not getting a trust done. It is so necessary! For one thing, no probate court also money and fees come along with that. It helps your beneficiaries, avoid certain tax’s. It illuminates beneficiaries from going to war over assets, because a will can be contested. Here in the state of Washington trust can be done for $2,500 - 3000. My wife and I are was so glad we had this time for our family. Also make co-executors of the estate. If you have more than one beneficiary!

Parents should never take out parent loans for school...horrible decision.

Stephen - DO YOUR RESEARCH. The glory days of highly paid chiropractors are over. A lot of people who go to chiropractors are older. Medicare reimburses only about $18 a visit and does not pay for the x-rays, etc. that are needed before treatment. And other health insurance for younger people does not cover most of the costs. I know - my son-in-law is a chiropractor and would not choose that profession again. Thankfully, he was able to find another job as a college anatomy professor. Think about another kind of medical training that she can get inexpensively through a community college like radiology tech, nursing, etc.

Young people generally speaking, aren't really good at knowing how to deal with problems like this when they arise; very emotional... We need more early financial education in this country!!!

For the cc the ex opened. A good piece of advice if you exit a relationship like that, pull your credit report immediately, and then every year. They will not usually investigate identity theft reports, but if you can identify the person they might. Freezing your credit is always a good safe guard, but it isn't 100% fool proof either.

An even better idea: Don't Buy Crap You Do Not Need!

Had a collector call me and ask me to talk to my neighbor accross the street about an alleged debt. Unbelieveable.

1. damn some parents are douches 2. it's reassuring to know it's not just mine that are douches 3. it's reassuring to know that douchey parents affect men as much as it affects women 4. wonderful to see 2 educated men call out douchey parents (including the dads) rather than enable / excuse their crap behaviour

thats right dave. The kids are alright. Thanks for saying that

Nick - please listen to the advice given. There is a lot to consider. Not only the money, but that in any kind of medical education, students are in a cohort which means they have to take certain courses at certain times - so part-time education is not possible. Another MAJOR consideration for being a dentist is if she has the small motor skills to actually do dentistry, which is quite different from hygienist work. I often talk to various professionals about what's needed for success in their profession as I do a lot of student academic counseling. My dentist is an exceptional technician and when I talked to him about the challenges of dental school, he told me so many future dentists had the ability for the book knowledge, but not the small motor skills for the technical aspect. So they bailed out and had huge debts for what they had borrowed to that point. In addition, although many physicians can work as hospitalists and a doc in the box, dentists have very few options other than the huge expense of setting up their own practices. So, between training and setting up a practice, this is about a million $ decision. And she will not just be working for the next 20 years, she can count on working for the next 30 years to make it financially viable. The reason given that she wants to be a different kind of dentist from what she has seen is not a good enough reason to want to take on this huge commitment and potential major debt. On your salary alone it will be almost impossible to cash flow this cost.

Sometimes you just need to cut ties with toxic parents. I havent spoken to my dad in over 5 years because he crossed the line 🤷

Telling your legal wife to grow up and get a job is not being abusive

Way to go Taylor! Congratulations! You did it! Wow! Amazing 🤩

The call Dave won't ever take: I can't afford food or my prescription meds....and I'm disabled.

Yes, fraud,fraud, fraud! Good advice! I worked in fraud with a credit card. I hope she gets through this.

They crushed the chiropractic girlfriend's dream 😂😂😂😂😂

I'm feeling a bit called out. I work for a Larry H. Miller auto financer (that aligns with Larry's values and isn't what Dave was describing) and before that I cleaned portable toilets 😂

Success rate of marriage - also remove the multiple divorce rate of people who have been married and divorced several times.

These 2 are easily the A-team regarding tandems on this show. Actually, it's not even close.

Investing in the stock market has HISTORICALLY provided higher returns than other forms of investment. According to Morningstar, the average annual return for the S&P 500 index, which measures the performance of 500 large-cap stocks, was approximately 10% from 1926 to 2020.

@47:40 the trooper said, “… when I didn’t know what I was getting myself into.” That’s an admission that he did know about the loan. And why go 60k in the hole to turn out a cop? The math ain’t mathin’ at all on that. The story isn’t believable at all.

Clear of debt now..but used to tell them. "I dont want to be recorded" ! Conversation over.

I have no affiliation with debt collectors, but who do you think pays bad debt in the long term? Those who pay our bills, like you and me. So I'm not going to be as hard on debt collectors as Ramsey. They are doing a service the helps reduce our cost.

I would love that clip in the end with John. I would love to hear more. And hear him try to work it out.

1:58:15 - 1:58:26 is such a funny moment out of context

Just listened to the advice that you provided that caller who left an abusive situation. If that caller follows your recommendation and files a police report, won’t the abusive ex-husband now have her address?

To avoid being harassed by the collectors, better pay your debt on time or better don’t borrow money at all! These loan sharks should be avoided in the first place 🤦‍♀️

I clean septic tanks fulltime 😢 pay is not great lol.

Dave is correct: It is a commitment for those degrees. I'm Dave's age, but I have noticed lots of younger people having commitment issues. There are other books and resources that talk about the growing number of people with commitment issues. Just saying.

Anthony from PA: You can't "get" her to do anything. Dave is right, you have the least amount of power in this relationship...sorry.

For the last caller, good luck being a single mom. I hope the husband moves on and find the right person to build a life with and leave this behind.

Once a woman is done, they usually dont have any fight left. The sad part is the partner doesnt take it serious until they reach that point. Its hard to pick up the pieces once its so far gone. I advice people to talk before you get to that point.

Notice how fast Dave yells at and gets rid of the guy with a $37k truck payment that sold a house and made $77k and keeps others on so much longer wasting time.

I believe Dave is right on with woman last caller…. Wise man DAVE RAMSEY! 🙏🏻♥️