The Ramsey Show (June 28, 2022)
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2 жыл бұрынThe Ramsey Show (June 28, 2022)
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@mildredlane3717 Жыл бұрын
my friend's husband died after working for a local company for years. When she filed for his life insurance thru the company she was told that they did not have a record of him every having life insurance and she had not kept any of her receipts- so she was out but later she was cleaning in her attic when a book fell from her hands and out came a receipt from where his life insurance premium had been paid. She turned it in and got his life insurance.
@sgist7824 Жыл бұрын
phew scary
@opulentmissopal1123 Жыл бұрын
Sheeeeeesh
@michaelleahy6848 Жыл бұрын
It seems actionable.
@sherryobar5750 Жыл бұрын
That was a God send! Happy for her :)
@caseyporter499 Жыл бұрын
What was he paying it cash or what. Bank records should show
@KC-dr3cg Жыл бұрын
It is absolutely essential to keep important papers in a spot that everybody can access in case of your untimely death
@carieyoung1111 Жыл бұрын
That women that has so many good points on life insurance should absolutely help people with it. I sell life myself and she has so many wonderful points to help people really understand what life insurance is for…great segment
@rachelnavarro2897 Жыл бұрын
I'm part of the 90% of people that paid their house off before the 30 year without autopilot, or refinancing, I just decided to do it and convinced my husband and we did it in 6 years. It was hard but you have to have the intention to do that or it won't happen.
@Freshprankstv1 Жыл бұрын
You mean you’re part of the 8 percent
@brookelondon8029 11 ай бұрын
that's absolutely great! Did you multiply the amount of the money you paid every month times 12 and then by 30 to see how much money you saved by paying it off early? Good for you!
@katyhanara Жыл бұрын
Love the energy of Amy & Jonathan!
@prez4pres329 8 ай бұрын
I work with them and they are amazing people! Most organized energetic couple ever. So awesome
@YessiRod Жыл бұрын
1:55 I love this call. My brother was murdered 4/15/2022 and I've been carrying this guilt of setting boundaries with him months before his life was taken. I needed to hear this
@fourdayhomestead2839 Жыл бұрын
Great topic (insurance). Lots of specific things to check on. Updates are important asap.
@nicksullivan4799 Жыл бұрын
1:19:27 best part of the whole show is Dave’s dad jokes🤣
@janetcross2797 Жыл бұрын
You guys are amazing Great job
@jaijames1131 3 ай бұрын
Oddly enough, I emailed Dave’s team about this exact question around switching from the 30 to the 15 given the higher interest rates. His team replied telling me to refinance which I thought was bad advice. So, I followed my instincts and just aggressively started paying off the mortgage. We will turn a 30 year mortgage into a five year by staying the course.
@tigar0485 Жыл бұрын
The 2nd spouse issue has been an occurrence in my family. They had a "my kids & your kids" marriage. He died, the wife changed the will to exclude all but one child. That child died so all the physical possessions went to his kids but the money went to the beneficiary on the account. Thankfully, the monetary beneficiary is a moral, godly person and evenly distributed the funds throughout the family. Update your legal business and TALK with the family about who is getting what or not.
@Cowgirl77Hikes Жыл бұрын
Faith comes by hearing. Thanks for the reminders. Were on Baby step 2 and were not 100 on the same page. My hubby just got another CD without telling g me and keeps saying we can charge it and pay it off in three months rather than waiting. I'm trying to keep my head up and gain endurance. Appreciate the encouraging wisdom. God bless.
@Cowgirl77Hikes Жыл бұрын
*CC not cd😂 big difference!
@melvinthompson3357 Жыл бұрын
Thank you
@platinumhandymansolutions Жыл бұрын
Fantastic episode! I can't imagine seeing Dave jumping out of an airplane though. Also, that makes my hands sweat just thinking about it.
@brookelondon8029 Жыл бұрын
Frankly, I was a bit shocked. I'm so glad nothing went wrong.
@KC-dr3cg Жыл бұрын
At least fill out a health directive .assign someone to have a "pay upon death" your bank accounts. In Minnesota of the 300+ people who died this year, 84 were under 30yrs old..insurance is important.
@steveclark5016 Жыл бұрын
We do have a NC state income tax,
@larrytucker222 Жыл бұрын
My son died in 2012. He had married six months earlier. His military cash benefits went to his mother, rather than his wife because they had not changed the beneficiary to his wife.
@carieyoung1111 Жыл бұрын
When stuff like this happens- I’m like those that get the benefits should turn around and give that money to the right party!
@larrytucker222 Жыл бұрын
@@carieyoung1111 My ex kept the money ($400k) and bought a van and more.
@brookelondon8029 Жыл бұрын
Many people forget about changing beneficiaries. One of my friends was with a divorced man for six years and when he passed his ex-wife got everything. They never even thought about it because he died young.
@brookelondon8029 Жыл бұрын
And I'm so sorry that you lost your son. I wanted to say that first. He must have been a wonderful man to volunteer to serve his country and keep us safe.
@janetcross2797 Жыл бұрын
Great Great Great job
@angelakollhoff1444 Жыл бұрын
Watkins Glen ny isn’t Ithaca ny
@ChrisPozzi Жыл бұрын
Lol that’s not a 20 year old truck
@esprithillstrom465 Жыл бұрын
@ChrisPozzi It is a 2003 Ford F-150! We are the second owners. ☺️ We bought it (paid cash) after being a single car household for a while when my husband changed jobs. ☺️
@janetcross2797 Жыл бұрын
Then if something comes up you will ok look it up Amortization you will understand it better
@bronsonisaboss Жыл бұрын
North Carlinians are so tired of people moving here. We need to build a wall.
@nils704 Жыл бұрын
Exactly!!!!
@KC-dr3cg Жыл бұрын
Why are you tired of the new neighbors?
@alf7190 Жыл бұрын
mainly because of how they drive & shop in the stores
@jmac2757 Жыл бұрын
Is Dr. John a drummer 🤔😛
@mariee.5912 Жыл бұрын
🤟
@janetcross2797 Жыл бұрын
Pay for half 50% he might be right not every kids wants college
@metroby-tmobile9396 Жыл бұрын
❤
@janetcross2797 Жыл бұрын
Their condominiums coopative or move to cheaper state
@BuiltonGODSrock Жыл бұрын
🐐🐐🐐
@janetcross2797 Жыл бұрын
Not everyone can afford a house like me I will never have a house
@KC-dr3cg Жыл бұрын
Yes you can if you move to a different area
@KC-dr3cg Жыл бұрын
Check online for a small city..with buses, hospital, N Az, S Missouri, N Iowa..get a a friend maybe to do the same?
@janetcross2797 Жыл бұрын
Pay extra payments you will be OK if it 1200 then pay 2400 you will be good shape
@joanntebo2835 Жыл бұрын
Or just pay extra principal. No need to pay a whole extra payment of principal, escrow, interest, etc. Interest is calculated based on your principal, so pay that amount extra where possible. Your interest costs are reduced over the life of your mortgage.
@MrAllie-bf6zt Жыл бұрын
Pay extra on the principal.
@MrAllie-bf6zt Жыл бұрын
@@joanntebo2835 facts!
@karenreneerobinson5479 Жыл бұрын
Alot of banks you can pay your mortgage online and specify what extra amount you want paid for principal only. Also if you pay your mortgage with a coupon book you need to specify the extra payment amount as interest only. Note: I have a friend that did this but the bank still applied it to their normal payment amount. It was a pain for them to fix with the bank but important you verify each month they posted it properly.
@brookelondon8029 Жыл бұрын
Yes and my friends were told to make sure that they were doing it accurately. That was before you could see everything online.
@sweetnezdee8683 Жыл бұрын
They are awesome team mentalhealth/financial wealth
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