Stop Trying To Figure Out Where Your Money Is Going, and Tell It WHERE To Go!

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Жыл бұрын

The Ramsey Show (March 7, 2023)
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Пікірлер: 127

@furgulley8077 Жыл бұрын

So happy for patrice! I'm a letter carrier as well and did the same exact grind. Paid off my mortgage on july 1st 2022 by working when nobody else would. So many similarities with listening to the podcast daily to keep me motivated. I finally got off of the overtime desired list last month after being on it since march 2014. Now I'm trying to train myself to slow down and back the hours down after all that time.

@christopherhernandez3909 Жыл бұрын

Good work 👏

@mgb5170 Жыл бұрын

I feel like Dave is genuinely proud of people who break through debt. He is like a big papa bear.

@kellyc9539 Жыл бұрын

Caller Jeff’s poor kids. His wife, their mother, passed away 1 1/2 years ago. Jeff is already getting remarried and selling the house that his 18 year old daughter still lives in, to go get remarried. Now he’s asking his kids to not take Money that their mother left them so that he can buy a new house with his future wife? That call had snake written all over it. Those poor kids. It seems like Jeff is more interested in his new wife, then his poor two children who are likely still devastated from the death of their mother and now have to deal with their father selling their house to move to another state and get remarried.

@oscarrodriguez1068 Жыл бұрын

He’s a snake. His dying wife knew it and that’s why she had him sign over a portion of the house to the kids.

@maryknight6020 Жыл бұрын

Agreed!! Something is fishy! 😢

@sebunney1 Жыл бұрын

What do you want to bet there is something to do with persuasion by the new wife?? Just my guess, just a hunch on other relationships I have seen. Give the kids their money, set them up with a financial advisor, and keep talking to them about making wise choices with money. If he wants to save his relationship with his kids, that's what he will do. I hope I'm wrong and the new wife is not asking for anything, like money towards her new house, but I agree, it's fishy.

@SKC1913 10 ай бұрын

And he admitted he wanted to take the money from them to buy a new house with “nice”fiancé. I hope they don’t give to their father. He’s a snake and so is the fiancé

@BradDiBenedetto 9 ай бұрын

Yea dude was trying his best to sugarcoat it. He’s getting played by the new woman

@danaguyer8863 Жыл бұрын

Baby step 1 already saved me... car starter issue would have been seriously painful without my emergency fund... only 25% left on baby step 2!

@latinalopez2385 Жыл бұрын

That's my bestie! Super proud of you Big P! 💚 Tons of love to the Ramsey team and thank you for letting Patrice know that she definitely has the swagger now 😀

@autordijanaferkovic Жыл бұрын

We have all fell in love in Patrice. Tell her some of us teared up. We wish her all the success in the world. She's awesome.

@loctown7775 Жыл бұрын

Love that NY swag! Got cousins in Long Island with the same swag/accent 😄 Big ups from LA! Congratulations Patrice! Keep achieving your dreams ✊🏼

@margie909 Жыл бұрын

So inspiring Patrice!!!!!

@mmp495 Жыл бұрын

Much love to Patrice. She didn't let anyone or anything get in her way. I felt that. 💕💕💕

@nuggiesmommie5689 Жыл бұрын

Thank you Ramsey team for providing a debt free scream platform. A lot of people either don’t understand or support the celebration of accomplishing this journey. It’s not a boastful act, but a place where support, understanding, and most importantly validation is given to many who can’t find it elsewhere. Thank you!

@maryallen1017 Жыл бұрын

I drive a 11 year old vehicle with 89,000 miles on it. It runs great. I have never had any problems with it. If all goes well I hope I can drive it for 10 more years. "I feel good" every time I get in it to drive.

@carloscastillo626 Жыл бұрын

Dad caller sounds greedy to me, he is getting remarried and wants to take all the money for himself. Instead of taking the money back on his word he can teach them how to use the money wisely. Sign them up for financial peace University and teach them how to invest and protect that money

@arianavidal Жыл бұрын

I was thinking the same thing. Tell them that he wants the money (their mom's wish) to be a blessing to them and offer to pay for them to do FPU so they can learn how to be good stewards of that blessing.

@jordangarrick703 Жыл бұрын

Nah - the dad should keep the loot. The kids will be raiding his bank account as soon as the coroner finishes up - they'll get their share in the end. Let the Old Man enjoy his scratch while he can....

@trishmartin6410 11 күн бұрын

It was his dying wife's wish that the kids each get a quarter of the equity. Then his dad is saying he wants to use the equity for a house that he and his new wife are going to move into?! Those kids would stop talking to him, and I wouldn't blame them.

@deenebrakefield1798 Жыл бұрын

This is my first comment on Dave Ramsey show ! Ive been listening daily for months... WAY TO GO PATRICE! Really proud of you too! From Arizona

@stosh6586 Жыл бұрын

Way to go Patrice! Love your attitude and hustle. ⭐👏👍 My Dad was a mail carrier and raised 5 kids and sent all of us to college. The USPS can be a great career as you have shown if you are willing to cash in on the overtime opportunities. Keep it up!

@ThePrincessa29 Жыл бұрын

39:10 the kids have not shown that they’re being irresponsible and won’t be able to handle the money. It’s obvious the dad wants or needs it for his new wife. One year and he’s getting re married already? That’s sus.

@jjkatz Жыл бұрын

Agree and it’s a long distance relationship 🙄

@gamer3642 Жыл бұрын

I loved Patrice segment what respect I have for her such a hard worker and grinder!

@Jcruz388 Жыл бұрын

Way to go Patrice! From another letter carrier listening to Dave on the route :)

@ennellesperance1186 Жыл бұрын

Shout out to our L.I. Letter carrier! Repping NY 🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉🎉

@brookelondon8029 Жыл бұрын

I have loved all my letter carriers over the years. I never realized that everybody else loved them too!

@seanjean9677 Жыл бұрын

The widower need to give them kids their money!

@JMay-pl5ge Жыл бұрын

Loved Patrice's story and determination! Great episode!

@rhondaadams4013 Жыл бұрын

I love listening to Ken! He's so passionate about what he teaches.

@AllThingsMoneyandTech Жыл бұрын

I really hope it’s not the new wife persuading him to get more money in order to have more money for the new home. He’s not saying that but it seems odd it’s coming up now

@jjkatz Жыл бұрын

Yes and it’s a long distance relationship. Can never understand these people who have to rush into a new relationship with someone they hardly know.

@brookelondon8029 Жыл бұрын

Over the years, friends of mine had long distance relationships. They were madly in love and had never met. It only worked out one time. One woman paid for a guy to move here from Australia. If he can't afford airfare… And there are many stories of women being involved with multiple men online who send her tiny amounts of money every month but it adds up. I pity those children because they're going to have to live with his decisions.

@kathymiglio8196 Жыл бұрын

⭐⭐⭐⭐⭐Patrice you are amazing!!!! The sky is the limit for you, from a fellow New Yorker.

@lukelacasse6412 Жыл бұрын

gotta love Patrice. inspirational for sure! Dave is right - she is amazing.

@mmp495 Жыл бұрын

Way to go Patrice!!! I loved her story and her hard work. The American dream is alive and well! 🎊🎊🎊💐

@justincaldero5174 Жыл бұрын

Seriously! I see a lot of myself in her. Heart hustle and muscle!!

@virginiakellock990 Жыл бұрын

LOVE DAVE & All of his crew !!!

@brookebales2931 Жыл бұрын

Go Patrice! So inspiring you are. God bless you and your future.

@lovecats6856 Жыл бұрын

Yippee Patrice. I have a nephew who, when my Mum bought plane tickets on visa (which she keeps paid off) and she asked him to pay her back, said "why? Visa paid for it". They just don't understand.

@Newlaw289 Жыл бұрын

The 1st lady is cute, but why call if you like your current arrangement? It's like a validation call. Am I good? I know I am. Say it Ramsey!! SAY IT!!

@colleengarcia7752 Жыл бұрын

I suspect she was getting bad advice from family or friends or investment snake oil salesperson and she began to doubt her wisdom. I don’t think it was for bragging rights. She just needed assurance and confidence.

@x_Artius_x Жыл бұрын

I’m sorry but that guy Jeff is a snake. You can hear it in his voice. It’s been only a year and he is getting married already? I think his wife did the best thing she could of getting his kids on the deed to the house. If the kids are smart they will take that money and keep it far from him.

@jjkatz Жыл бұрын

Agree

@joyceneergaard4152 Жыл бұрын

Help the kids invest that 200K. Then they will have a head start becoming millionaires.

@lukehumphreymusic Жыл бұрын

Rent the house out and take the income until they get older.

@av-lz5db Жыл бұрын

The wisdom of Dave ~ ~ ~aaahhhh. Ken is an added bonus.

@carolannstevens5814 Жыл бұрын

I agree!

@bettedavis9261 Жыл бұрын

I must be "nobody." I've owned 3 cars that I drove until the wheels fell off. That was over a 40 year time frame. I now drive my dream car (Honda Accord). At 61, I plan on it being the last car I own (I only put about 4,000 miles/year on it.

@colleengarcia7752 Жыл бұрын

I drive mine till they die too.

@brookelondon8029 Жыл бұрын

I drove my Volkswagen for 14 years until the runningboards fell off. I just run a car until they don't go anymore and I do regular maintenance and do the tuneup's and get regular oil changes etc. etc. When I look at a car I have no idea what year it is and I often don't know the model. So nobody's impressing me at the stoplight!

@jora1545 Жыл бұрын

That guy is trying to snake his kids out of the money his wife left them no wonder she did that

@user-ob5nk3ss1p Жыл бұрын

Yep. New wife and he is thinking of himself and her, not the kids.

@jordanhaugen9765 Жыл бұрын

100%! Can't believe Dave didn't see it sooner. Dude wants the equity for his new house !

@jora1545 Жыл бұрын

Hope it all works out for you

@BabyChelo 8 ай бұрын

I AM SCREAMING! Also a sociology major- THE TEARS- YOU GO!! YOU GO PATRICE!!

@MrMistajone Жыл бұрын

35:41 Guy is getting married a year & a half after his wife passed, to a women that lives in another state..... & Dave is saying that he believes that he's genuine in his assertion that the reason he doesn't want his kids to have the money is because they would be "burdened" with such an amount... yea I call BS. The new women definitely wants that Mercedes

@oscarrodriguez1068 Жыл бұрын

He’s a snake.

@Qwackdawack Ай бұрын

The dad wants to empress his new wife with deceased wife's money

@vincentvalenzuela3069 Жыл бұрын

There is also a letter carrier in San Jose, Ca tuning in 8 hours minimum a day..

@seanjean9677 Жыл бұрын

He’s gonna use the money for his home with this other woman?! Loser!

@brookelondon8029 Жыл бұрын

What I was thinking was it doesn't sound like he taught his children anything about money even though he was on the plan for 14 years. Big mistake. Plus it's taught in schools and he's living that life. Do you remember when Dave said he sat his children down when they were 21 and told him what the amount of money was that he had and that they were stewards and it was a big responsibility. He didn't want them to think that was going to be OK for them to be trust fund babies living on a yacht! That's what should be taught to kids.

@dianem4188 Жыл бұрын

Congrats Patrice!! You are a rock star🌟⭐

@aweisen1 Жыл бұрын

18:00 Absolutely, keep that $30k for living and residency interview expenses, not investments. She never said which medical school she's going to; I hope she isn't going to overspend on a degree that is the same from any other school that offers and MD/DO. Especially When a Step/Level2 exam score is the most important factor to get into residency. I can't wait to see the comments about how a particular medical school matters for skill/education... it doesn't, at all. You teach yourself all of the material anyway. It only matters for networking; the age-old classic where it's about who you know, versus what you know. A few caveats but, they all circle back to 'who vs what.'

@ZoKitchen Жыл бұрын

she's humble ..stay blessed

@Trahern100 Жыл бұрын

I’m from Long Island when he said breaking all kinds of labor laws I felt that😅

@elway423 Жыл бұрын

Love Patrice’s DFS awesome job from letter carrier 1:47:14

@seanjean9677 Жыл бұрын

Let them get their money!

@veronicacruz6919 Жыл бұрын

Sooooo proud of you Patrice!!! woot woot!

@lejuanbass366 10 ай бұрын

My dad was much older than this man. He pledged all his financial holdings to me and 4 other siblings as he married a lady shortly after mom’s death. New wife had plenty from her deceased husband. He ended up splitting everything 6 ways, including her. When she’s gone, her daughter, who stole money from his accounts while he was dying in the hospital, will get all mom’s money. Sad situation

@robp7538 Жыл бұрын

Get it Patrice!!!! Congrats!!!!

@rebekahproctor4687 Жыл бұрын

Go Abby and Patrice! You guys both rock!

@yvettejk Жыл бұрын

I disagree that the excitement of having that car wears off in a month! Not true for my husband and I. We have been buying with cash for years and keep cars for a long time. My 2016 still feels new to me

@seanjean9677 Жыл бұрын

Go Patrice!!!!

@Christine-si8nc Жыл бұрын

Wow, love Patrice's story!!

@marktolbert4047 Жыл бұрын

Self employed people get the worst deal when it comes to taxes!

@rachelkruse9087 Жыл бұрын

The guy who quick claimed deed should tell his kids when they are ready to buy a home he will allow it as a down payment and then it will bless them later.

@petecates3186 Жыл бұрын

Convincing the kids to invest the money for a new home or long term investment would be great idea. At this point, trying to change what is going on and against the wishes of his deceased wife's estate, that is pretty fishy. Being a caller on the show, we only hear his point of view. We assume he is a good person, but could just a easily be a dirt bag. We have no idea if he is good or bad. We have no knowledge why the deceased wife wanted to do this. We don't know the situation, so we don't know if the deceased wife was not very financially savvy or if she was extremely financially smart and a lot more knowledgeable of what was going to happen.

@chriskim2770 Жыл бұрын

Love love the opening

@antoniosantiago9794 Жыл бұрын

Great show!

@TroyDStanley Жыл бұрын

Thanks for defending Sailors Dave. This old Sailor in a BSM.

@vinnietaganekurukuru8519 Жыл бұрын

Good on you Abby..congratulations

@bendafixer4542 Жыл бұрын

Great discussion regarding taxes

@seanjean9677 Жыл бұрын

He’s a greedy man!

@yanetrodriguezcruz3609 Жыл бұрын

I can be your company for ever. Not too expensive.

@theclothingcottage Жыл бұрын

So how many accounts are recommended as sinking funds? Dave didn't say it but assuming he recommends not mixing emergency funds with funds for car, travel.....

@inglesd90 Жыл бұрын

Stacey must be a saint to have put up with Ken for 25 years!

@autordijanaferkovic Жыл бұрын

why, Daniel, son?

@NextGenEvs Жыл бұрын

Yeah dude is obnoxious!

@lmao1915 Жыл бұрын

Ken is great

@thirdintegra Жыл бұрын

Who's putting up with you? Nobody probably?

@thirdintegra Жыл бұрын

@@autordijanaferkovic 🤣

@michaelfagan1507 Жыл бұрын

Thank you.😀

@zuri4life Ай бұрын

That man's wife was a clever lady. She left her half to the kids, give it to them, or put it in a trust for them...not try to back out of it

@tlr1604 Жыл бұрын

Money Market is not FDIC or NUDIC or credit union-both are not insured

@yanetrodriguezcruz3609 Жыл бұрын

After being a homeless with license for three years there is a way to get better.

@lartrak Жыл бұрын

The first older lady is unusual, a possible case for a fixed lifetime annuity. Someone who just can't handle volatility or any risk and is older. She could get guaranteed about 10% income returns for life with one at her age. If she thinks she could live into her 90s in good health, maybe an OK idea. One risk is if she needs long term care abruptly though, that could be an issue, or other sudden medical type expense, so she may be better off just sticking with her current plan.

@FitnessDad44 Жыл бұрын

Letssssss go!!

@yanetrodriguezcruz3609 Жыл бұрын

How can i bring my lost family member including my dogs back to life.

@lmao1915 Жыл бұрын

Is there a better combo that *Ken* and Dave??

@NextGenEvs Жыл бұрын

Yes. Anyone besides Ken

@lmao1915 Жыл бұрын

That’s wild, Ken is the best @the7vin19

@Diamondamber02 Жыл бұрын

George and Dave are my faves together

@NeoSoulCrew Жыл бұрын

Let me call in to brag!

@erikrohr4396 Жыл бұрын

I hate when people ask for 5 star reviews. If they must ask, they should ask for accurate reviews.

@thirdintegra Жыл бұрын

So write a one star review and explain how you feel about this

@notgivingmyemail3381 Жыл бұрын

For someone who says “if you can’t say anything nice….” so often, he sure does call a LOT of people stupid when they don’t agree with his exact methodology.

@yanetrodriguezcruz3609 Жыл бұрын

Can you answer question number three to me, i dont have the answer?

@markanderson4353 Жыл бұрын

Dave is always talking about 10% S&P500 returns. $10k a year lost by not investing made me laugh. I’ve lost way over 10% the last year in the S&P. Those 10% a year gains are likely over. We will have a lost decade of stock returns. History doesn’t guarantee the future. Remember when cars used to depreciate and now a car bought 4 years ago is worth the same today? Who would have thought. Yes it happens. Dave’s budgeting and debt free advice is good but be careful who you take investment advice from folks.

@leesprout5820 Жыл бұрын

Algorithm

@Pirate35able 11 ай бұрын

Omg guy give your kids the money just get them some financial help advice

@andrerodriguez7603 Жыл бұрын

Paula is doing terrible, a disaster waiting to happen. Ignorance in the market is sad to see in her case. She has a nice monthly income and has her mortgage paid off with no bills. She is losing money daily with no investments with the rate of inflation today, that money market account will just keep losing income. Her 1K a month into it, is just keeping the current balance at the 100K level. With major emergency home repairs, that account can be exhausted in a couple of years or less. That 30K in a savings account is totally dumb. Hopefully she stays healthy. She can always go back to work if the unexpected happens, even without choosing to. 😢

@brookelondon8029 Жыл бұрын

I agree because of inflation with everything you said. I think Dave could have recommended that she dip her toe in the market and simply invest $250 a month and see what happens. She's probably earning 2% at the bank. And her Social Security increases won't really mean much because my part C went up $500 this year. Gasoline is more, everything is more. She needs more than a little bit but I could tell she was very hesitant. And what is she going to do when she has to replace a roof or heating system or any major repair like that. She's not going to have any money left.