Make Decisions With the Future in Mind (Not the Present)

Make Decisions With the Future in Mind (Not the Present) | July 3, 2024

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Ай бұрын

The Ramsey Show (July 3, 2024)
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@elissapoh7782 Ай бұрын

My first car (that my dad bought me) cost $300. The mostly red car had a blue front quarter panel and black tape to cover the rust spots. When you turned on the vents, pine needles would fly all over the car. When you pulled into the gas station, you had to fill the oil and check the gas. Sometimes you needed 2 feet to start it and to hold your tongue right (it was an automatic) We named it the red rocket. I drove her for over 2 years and sold her for $500. 😂😂. I mean, if you never drive a hooptie, you are missing the opportunity to acquire the life stories that go with it 😂😂😂😂

@sewwithore3618 Ай бұрын

😂

@vertiefisher4462 Ай бұрын

😊

@catherineskis Ай бұрын

What year was that? In 1983 I bought my first, new, car...AMC Renault Alliance and it was less than $200 a month. I named her, "Coquette".

@elissapoh7782 Ай бұрын

@@catherineskisI got the Red Rocket in 1995. She was a 79 AMC Spirit 😂. She was $300 total… not per month 😂😂

@Truckerdaddy Ай бұрын

I've got a hooptie portfolio at this point. 1985 Dodge D150 for $500 needed steering column. Sold it for $100. Driver door wouldn't shut, smoked to high heaven, and motor mounts were held together with bailing wire. 1993 chevy 1500 SWB paid $800. Needed tune up, light switch started arcing while driving home and I lost all lights. It was about 9pm and dark. Had it over 4yrs and sold it for $400 because I needed bail money. I've got a couple others that I didn't have long that were real trash. But my current hooptie is a 2008 dodge dakota sxt extended cab. It's been wrecked multiple times prior to me owning it. But I've had it since 2018 when my grandpa died. Bought it for $1500 from his estate sale. Currently has 189k miles on it.

@anniethomas451 Ай бұрын

*Powdered Butt Syndrome*😂😂 I LOVE this!

@bettedavis9261 Ай бұрын

Dave has said that for years

@3roachkidsdhe Ай бұрын

Dave is so inspirational and John on his show because of them I started doing Uber Eats while looking for my real job. I now have a part time job in my field and do Uber eats along with raising with my three children. Listening to Dave say one of the reasons people don’t succeed is the belief that they can’t had made me believe that I can. John Delaney saying why don’t you believe you are worth it has made me know that I am worth it!! Thank you guys for helping me with my life.

@janicebreaux4956 Ай бұрын

Dave, you are so brilliant & reassuring still after all these years. Your message is the same and I really enjoy it. Thank you!

@princess5993 Ай бұрын

I LOVE the Dave and John DUO. So funny together and very wise at the same time

@foxxxybrown555 Ай бұрын

Agreed!!

@mmp495 Ай бұрын

I love their laugh when something funny hits them 😂

@roseyfischer Ай бұрын

I retired a few years ago and I'm doing okay, but I can't help but worry I should have planned more. There's this nagging feeling like I might run out of money someday.

@DavidNarteon Ай бұрын

I hear you. It's scary to think about outliving your savings. Have you considered talking to a CFP? They can help you create a plan based on your goals and risk tolerance

@Andres_853 Ай бұрын

Yeah, that might be a good idea. I know a friend who swears by his CFP, Aaron Morgan Bell Apparently, he's grown his portfolio significantly.

@DavidNarteon Ай бұрын

Aaron Morgan Bell? Really? I've heard good things about him too! He seems to be a great resource for securing your financial future.

@Sanchyfab Ай бұрын

That's a good idea. We could also look into some investments together that tend to do well during inflation, like real estate or certain stocks.

@Sanchyfab Ай бұрын

I am nearing retirement, and it seems like i have nothing. My portfolio is not growing. I tried going into trading. It didn't Go well

@Davefitz04 Ай бұрын

Bro John with the soggy cereal comment and no one acting like he didn’t just tell that where story 😂😂 I’m dead.

@Krazybonejabs Ай бұрын

Just paid off my 2024 Accord Hybrid "Jesus car", now one last loan for 37k which will take 3 months, then the house at 505k which will be about 3 years! Too easy!

@user-dm9jw4un8l Ай бұрын

How much do you make a year ?

@bluebelle9572 Ай бұрын

Chad, I liked your story about how your coworker introduced you to the Ramsey plan. 😂 I also found out about Dave when I overheard 2 coworkers talking about him. Then I looked it up myself and it’s game on. 💙💛 Enjoy your trips you two!!

@heatherdoeur114 27 күн бұрын

I was on a 3 way call with 2 coworkers today. Coworker 1 told us she’s taking extra call because she’s trying to get out of debt. Coworker 2 said, “Are you on the Ramsey plan?” Me:😮😮😮😮 You listen to Ramsey too????!!! Coworker 2- Yes! All the time! Me- me too! Every day! Coworker 1- I’m going to look that up when we get off the phone. 😂🎉🎉🎉❤

@lindaburnside3832 Ай бұрын

For the disabled young man, social security disability offers a path toward returning to work. They give the disabled person a two year transition period, and benefits are not completely cut off (depending on how much money the person is making) during that transition. If he were to relapse sometime in that two year period, and be unable to work again, then he returns to his disability payments from the government. It's a little more complicated than this explanation, but I have a family member who is also young and disabled. We tried to transition him to working, but he was not able to work afterall. Vocational rehab in your state is the resource that can assist the young man who wants to work / build wealth.

@myoldvhstapes Ай бұрын

Your relative is probably eligible for an ABLE account. He can save and invest without the money being counted as an asset. Best of all, others can gift money into the account and it does not count as income!

@catherineskis Ай бұрын

Thank you for explaining that. I have no problem paying this for deserving people who want to better themselves who will actually better themselves. As for those who are in and out of rehab to get an endless supply of free money, that disgusts me.

@daurissacrank3270 Ай бұрын

Happy Birthday America 🥳🇺🇸 🎆

@alleykeosheyan4779 Ай бұрын

When I was younger, I thought my parents were total failures because they couldn't/wouldn't contribute to my college. Now I'm glad that I had to find my own financing (meaning I had to keep my grades up and my nose clean and get scholarships) and that they didn't take out these awful "Parent Plus" loans. Those frikkin' loans are like albatrosses around people's necks!

@nicholascowley8885 Ай бұрын

The smirks on John and Dave’s faces at 1:00:00 had me cracking up 😂. We all know what my guy was about to say on live radio 😅

@mr.g.culinary Ай бұрын

I’m glad someone else caught that 😂that was a brilliant self-censor lol

@nodsib Ай бұрын

I was just listening with my earphones in, and I had to rewind it 30 seconds to see if I heard what I thought I heard and their reaction was priceless 😂

@douglasbennett9044 Ай бұрын

Love John and Dave!

@kristencampbell5533 Ай бұрын

I had the same thought as Dr. John about the self managed retired account. She sounded like she was day trading or something. I'm glad he pointed that out!

@joshhoodrat451 Ай бұрын

“A society that puts equality - in the sense of equality of outcome - ahead of freedom will end up with neither equality nor freedom. The use of force to achieve equality will destroy freedom, and the force, introduced for good purposes, will end up in the hands of people who use it to promote their own interests.” -Milton Friedman

@ginnydavenport3303 Ай бұрын

“The car I bought sh-- died”…… everyone is grinning. 😂 we all knew what you were going to say.

@Pidol.Chichi Ай бұрын

That first Convo was great ❤ "Old John the Mule." - Dave's reaction 😂

@Demonizar Ай бұрын

Passing your knowledge onto others is absolutely difficult to the point that I can see the battle you guys have getting your advice out there to complete strangers must be even more difficult

@pamsmith1665 Ай бұрын

CHM. The reason there is no network or assigned providers is because its a crap shoot. You always pay in but no guarantee your medical cost are going to be paid. Its up to the other Christians to decide if they want to take money out of the pot for you. Pay for health insurance, not this.

@curvygirlzrock8836 Ай бұрын

Ohh my goodness… it 2:52 am and hearing Dave say “ heated seats and a sunroof” made me laugh out loud… he is just so awesome..💥💥💥💥💥💥💥💥

@lovejoyg10 Ай бұрын

I agree premarital counseling is wise. I would want my kids to complete premarital counseling, financial peace university and do the one year Bible with their future spouse before marrying ❤🙏🏽

@melrosepnn Ай бұрын

Chad and Natalia, congratulations! Thank you for sharing your story. Touched my heart made me teary eye. Lovely humble couple! You're my inspiration! God bless your family!

@user-vc2or6uq5j Ай бұрын

Thank you for your kind words!

@brianivey73 Ай бұрын

Jennifer from Tampa, good job going to Dave when youre needing sound advisement of these money issues. Best wishes to you

@savanah1407 Ай бұрын

Yay! Love DAVE!

@nyamburakinyanjui770 Ай бұрын

😮 Pole sana. Just make them safe and continue to the next stage. At least they are still functional.

@brookebales2931 Ай бұрын

My husband says that to our boys too when needed, “you’re not going to talk to my wife like that” and yes I’m their birth mom lol. ❤ thankfully he hardly has to say that since we raise them to have manners/respect. ESP in this day and age.

@lauriemotley2566 Ай бұрын

Thank you John…don’t pee in the car made sense to me and what I needed to hear as I wanted to pull from my TSP early to pay off remaining debt

@freenation.podcast Ай бұрын

Probably first time Dave saying “sex” on the air 😂😂😂😂 and I love the Biblical reference 🙌

@romaintrevisiol9159 Ай бұрын

We bought a Subaru Forester with hail damage for $5k in 2019 and sold in 2022 for $5k with 60k miles more on it and never did anything to it. Hail damaged cars are awesome when you're broke. Best value for the buck.

@DevHazy Ай бұрын

Lololol John fighting back

@moniquejones7161 Ай бұрын

I am the first on my immediate family to have an interest in financial wellness period. I share the information and keep it moving.

@clouwho7675 Ай бұрын

If she won't do counseling before when you have a problem later she won't do it then. Runnnnnn. Speaking from experience!!!! Runnn now!!!

@douglasbennett9044 Ай бұрын

Loved that debt free scream from that family! Congrats to them!

@TargetedIndividual Ай бұрын

Dave the metaphor was perfect

@robertpalos564 Ай бұрын

For the 19 yr old caller, the divorce decree most likely is applicable when she is a minor, now that she is technically an adult, he no longer will have to provide any stipulations in the decree

@bobbasar6424 Ай бұрын

Inking it in the morning with breakfast!

@mmp495 Ай бұрын

I love the first caller Marie wanting to help her parents understand finances. Marie adopt me as your mom and we’ll talk finances till the cows come home. ❤🐮🐄

@chelyscorner4038 Ай бұрын

I LOVE IT !!!!!!

@christabellecarpenter2354 Ай бұрын

Man, I wish the people calling in, would state their pertinent info, ask their question and then be quiet.....so many of them keep talking over the hosts so you can't hear the host or the caller!!!

@zachschwartz1586 Ай бұрын

Jackson who got kicked out of basic.. i heard a lot of excuses for not working for a month.. take a bus, take an uber, borrow a car, ask a Coworker for a drive, ask wife/girlfriend for a dropoff, walk, ride a bike.. stop making excuses

@LordBass Ай бұрын

"Dave, I've been listening to you since Moses parted the Red Sea. I want to sell my first born to arbitrage a mint collection of Garbage Pail Kids and 18th Century wooden teeth. What do you think?"

@terriweatherby5968 Ай бұрын

I like Dave and John together 😊

@yankos_ Ай бұрын

1:41:32 ....There we go again.... Sorry Dr John....

@jaijai1132 Ай бұрын

Yea! Totally uncalled for, even under the guise of a joke.

@catherineskis Ай бұрын

I am listening to J. Yellen and Powell. Apparently, unemployment is good for the economy because that means more people have fewer dollars and that brings down inflation.

@JSerio1983 Ай бұрын

If I never get any other advice from The Ramsey show after today I’ll take away “don’t pee on the car” as the best advice thus far.

@beckygeer6480 Ай бұрын

@amireallythatgrumpy6508 Ай бұрын

10:23 You have that exactly backwards Dave.

@miryamishot Ай бұрын

I hope one day I get to say "I'M debt FREE!" On stage homes and everything

@scottbowles8014 Ай бұрын

" random ass stranger" at 2:10

@nowandthennn Ай бұрын

The youth doesn’t want to learn from the wisdom and experience of the older generation and the older generation doesn’t want to learn from the youth because they don’t think they have the experience or wisdom they have because of their age . I wish we could learn from both generations .

@scottloutsch5379 Ай бұрын

1:41:29 had me laughing.

@camcraw18k5 Ай бұрын

Greetings and good tidings

@drpdrp6422 Ай бұрын

Christmas in July….got it!

@TCAPRecipes Ай бұрын

Keep the mercury and get something new. Things an antique at this point.

@quintinnunn1392 9 күн бұрын

The KZfaqr and ticktock is dave

@Krazybonejabs Ай бұрын

Who would've thought, a guy that couldn't make it through basic training wants to become law enforcement. I'm a disabled combat war veteran and see/hear this all the time. By the way, my local FPS (federal protective services) wouldn't hire anyone that has no military combat experience. Good luck in your endeavors, high speed.

@CELESTE-ks4ys Ай бұрын

Surprised to learn Tou wrote FINANCIAL PEACE . It was like a Bible to me. However both the financial institutions and my Ex think debt is good.

@CMBBmc-jd6ur Ай бұрын

I sometimes check in on this show to see just how knuckleheaded some people are.

@seanjean9677 Ай бұрын

The parent plus loans…..I don’t understand. Let them get their own student loans.

@jeremiahsmith450 Ай бұрын

Man Jennifer from Tampa really screwed up her inheritance 🤦‍♂️

@cany-m6v Ай бұрын

❤

@regina4538 Ай бұрын

Smh Jennifer from Tampa

@brianivey73 Ай бұрын

I thought she was holding together well under a lot of family and money pressure

@nancyblockcolsky1387 Ай бұрын

Don’t tell them how much money you have. They’ll come to you asking for some when they’re in trouble.

@douglasbennett9044 Ай бұрын

If someone can’t be a grown up enough to get pre marital counseling, don’t get married to them! Marriage is work, why would you not want to set yourself up to win?

@LouisMorganxb3 Ай бұрын

Without a doubt, this year will be worse than the last. I lost a lot of money last year as a result of bad investment choices that I would not have made if I hadn't been so worried about my portfolio. I kept investing, but I couldn't determine whether to start paying for a house. In the end, I sold my positions, and the house needed more work than I had planned. I'm not sure how long I can keep going like this

@AlexClarkcompany Ай бұрын

We've all made mistakes at some point. You should consider financial planning

@BaileyJames-zv2ddd Ай бұрын

True. My portfolio was diversified across several markets with the help of a financial planner, and were able to achieve over a million in net profit among high dividend yield equities, ETFs, and bonds. It is vital that you have a variety of exposure, including in firms that are currently generating cash flows.

@LouisMorganxb3 Ай бұрын

Do you mind sharing your financial planner?

@BaileyJames-zv2ddd Ай бұрын

Leah Foster Alderman

@BaileyJames-zv2ddd Ай бұрын

You are most likely to find more info when you look her up.

@yankos_ Ай бұрын

1:25:20 Dave is dismissive... again... I don't think Dr John will be staying at Ramsey very much longer.... 😞

@rcnitro2233 Ай бұрын

Not john....ugh.

@isidorolopez265 Ай бұрын

Why don’t you like John? Why not?

@MichaelDavisDJMic Ай бұрын

$10 Dolla... Hurry up and buy!

@PhantomWorks22 Ай бұрын

$210k in parent plus loans…? Where are their kids? They should be paying on that for them to help.

@susanschmitz5871 Ай бұрын

The first caller….”umm umm umm” oh my goodness I lost count and couldn’t listen to her anymore, the umm thing was so distracting.

@alleykeosheyan4779 Ай бұрын

That's because people these days are so busy playing with their phones they don't learn to communicate in real life!

@myoldvhstapes Ай бұрын

It's the same cast again today. I don't recall ever seeing a pair of hosts do three days in a row. Until now!

@flashthecorgi2053 Ай бұрын

Nobody else is around because it’s a holiday weekend and it’s the summer. Ken is in Barbados with the hurricane, George is in FL, Jade is in FL, and Rachel is also on vacation. Dr. Delony and Dave are the only ones available!

@partyrentalsmallbusiness7849 Ай бұрын

I’ll take anyone but Ken… no ken.. I literally stop listening.

@debragilley8091 Ай бұрын

@@partyrentalsmallbusiness7849 I never listen to the show if Ken is a co-host. I find him repulsive since the day he spent 10 minutes picking his teeth on air.

@bettedavis9261 Ай бұрын

@@flashthecorgi2053we're so fortunate to have you around in the comments section to let us know all the inside information.❤️❤️

@flashthecorgi2053 Ай бұрын

@@bettedavis9261 not inside information, all public. Just gotta follow them on social! :)

@playaplaya9315 Ай бұрын

What a great show! So much positivity and knowledge for anyone walking this earth.

@CMBBmc-jd6ur Ай бұрын

Seriously?

@estebanperalta8880 Ай бұрын

Love Dr. Delony’s insight. He approaches problems from different phychological angles which is great at finding the root cause

@ChrisBorghi22 Ай бұрын

I love you Ramsey! Have you ever lived in another country?? I have and I can assure you this wonderful 🇺🇸land is super far from being “the best country in the world”!!! For sure is the country with the most mentally unstable people. Why?? Because the most important thing ever for a human being is the family, something that, in general, Americans do not prioritize AT ALL!!! The foundation of every society is the family and in many other countries they’re family rich comparing to family poor Americans. I love 🇺🇸 and its people!!!

@myoldvhstapes Ай бұрын

Reese, open an ABLE account.

@vanegyadri Ай бұрын

"shut up John" 😂😂😂

@yankos_ Ай бұрын

1:02:36 "Old Dave", "John" (Yianni in Greek) are endearing terms for a car.... Calling Dr John a "mule" is rude, especially in Greek where its a very derogatory term, if you want your head removed.... Disgusting... A repressive, submissive, controlling term....

@frankflores5164 Ай бұрын

Your advertisement kills your show

@user-eo6is6go9d Ай бұрын

The only god Dave worships is the god of money

@jamesjazzy8040 Ай бұрын

Don't talk to me about being debt free this week alone I paid $9500 on taxes/ insurance and $585 for healthcare.. And i'm supposed to be debt free? .It doesn't exist.. Becoming "debt free " made me realize just how much debt I still have and will always have... I was going to scream: "I'm debt free" but then I realized if I don't send this very large annual check, they will take my house... That's hardly being debt free... Come on everyone it's time for reality now....

@MoKa444 27 күн бұрын

I live debt free except our mortgage, we live within our means and budget EVERY month. This is how we manage to save money and put extra towards our mortgage every month. If you aren't budgeting and focusing on getting out of debt I can see how you miss the mark every month. This podcast has kept us on track and has given us hope. I hope it does the same for you.

@jamesjazzy8040 26 күн бұрын

@MoKa444 You missed the point. Nobody is debt free, there's thousands and thousands of dollars of debt every single month, even if you" pay everything off". Even billionaires are not debt free. You can't prepay your property taxes years in advance because "they" haven't worked up the bill yet. Same thing with healthcare.That is a monthly debt, a bill.That you cannot pre-pay off ever. We can all sit around and pretend we're debt free, but it's just not reality. Again, They will take your house if you do not pay your taxes. Therefore you don't own your house. I don't either. You have a zero balance on the mortgage but you don't own your house because there's a piece of ground under it (called land) you don't own and they want money to plow the streets, etc.

@MoKa444 25 күн бұрын

You will always have bills, being debt free doesn’t mean you don’t have bills to pay every month. Debt free means you aren’t borrowing money.

@amanirosefoundation Ай бұрын

JD focuses too much on trying to sound smart, trying for these home run comments and analogies and it just doesnt work. I wish someone would tell him just say what you're trying to say in plain english

@juniekalu9340 Ай бұрын

I disagree. He provides psychological insights on why people behave the way they do. He's actually spot on when he comes to the emotional aspect of behaviors - both good & bad.

@flashthecorgi2053 Ай бұрын

“Don’t pee in the car” was pretty clear. I have no clue what you are talking about! 😂 In all seriousness though Dr. John is AMAZING and his ability to articulate things and simply them to a level where somebody without a PhD or even a college degree could understand it is pretty impressive. Just love Delony! ❤

@dct623 Ай бұрын

Very well put. If he did that and quit the dramatic sighs he'd be much more tolerable

@amanirosefoundation Ай бұрын

@@dct623 I hate that for him 😆

@ClutchSling Ай бұрын

I’ve caught on, he didn’t start off that way tho

@TheWebMindset Ай бұрын

Uh oh, Natalia wears the pants… still awesome that they’re debt free!!!!!

@theforeigner6988 Ай бұрын

Well they ever wake up? This ship is sinking

@danieltik Ай бұрын

40:06 You guys only heard one side of the story from a 19yr old and determined dad is a deadbeat

@jimmymcgill6778 Ай бұрын

Not everyone needs pre marriage counseling. Dave always loves to use strawman agruments.

@survivingthetimes Ай бұрын

Y'all are so gullible...

@pamsmith1665 Ай бұрын

Oh Joseph, motor mouth....poor candice

@tomhocutt2013 Ай бұрын

Put the baby up for adoption. You’re broke

@janit9255 Ай бұрын

Turn and run as fast as you can!? Horrible advice! No, not all people need outside council! Honestly, I don't know why Ramsey thinks he is an asset to his show...half the time I don't know what he is trying to say!

@jurgitabars Ай бұрын

Beg to differ Dave, Europe is incredible 😂 free education, free health care and less centric approach to world 🎉 America is not best country anymore - it is scary! 😢

@amireallythatgrumpy6508 Ай бұрын

America never was.

@myoldvhstapes Ай бұрын

"Free" to you means in was paid by someone else- the taxpayers.

@jurgitabars Ай бұрын

@@amireallythatgrumpy6508 good point :D

@jurgitabars Ай бұрын

@@myoldvhstapes americans also pay taxes... and when get bills for their health in thousands :D I never received a bill from hospital in my life time and will have social security if I get sick :) not to mention 2 years of paid maternity leave :D

@myoldvhstapes Ай бұрын

@@jurgitabars Same. I have Social Security and taxpayer-funded Medicare, so I only pay cash for medical expenses when I choose to go outside of the system.

@user-kz6vc1yn6p Ай бұрын

Another onesided conversation and bashing the "abusive" father/husband. Get the other side before you bad mouth someone.

@zedalvea841 Ай бұрын

You wouldn't happen to be the other side of that story by chance? I figure as a Ramsey fan that dad might listen to this episode

@DevHazy Ай бұрын

Shocking. A boomer who doesn’t believe 19 year olds

@rnarzu Ай бұрын

The responses are based on the caller and the assumption that it'd true. Not absolute. So give some grace here.

@dawnhanley6937 Ай бұрын

Working as a counselor and divorce mediator, there's always responsibility on both sides of a relationship in conflict. "Emotionally ab" is often a convenient accusation for people who don't agree with our opinions or give us what we want. Victim consciousness = emotional immaturity.

@NopeVS Ай бұрын

On the first caller - I think the three of them missed the fact of his dad doing research about the things she’s had been telling him… this, my friends, is called progress. He’s listening, he’s just a bit immature and not humble. But he is listening