every time i hear the "were debt free" scream something comes over me i can't explain! I can't wait to say it one day.

Baby step 2 here, knocking it out year after year. $28,461 this year so far paid off.

I worked at a university in the IT department until I earned my masters. It didn’t pay that well, but I didn’t pay for one nickel of my masters. I left after three years.

One big problem is our belief that we all start with nothing and have to make it on our own. I support one generation helping the next...

I honestly don't see a problem with living in your mom's house if you are significantly contributing to the bills. If the mom is alone especially.

It’s always a FANTASTIC show when Dr. John and Dave are together! Wishing all the callers peace! ❤

Bring back Debt is dumb and cash is king!

I wish I knew about Dave Ramsey before I’ve made dumb decisions… Now I must clean it all up)

Never heard any of the debt free screamers give glory to God. . . ❤ refreshing😊

11:01 Dave, please consider selling beans and rice - with your trade name. I am not kidding.

Losing the full value of my truck's worth as a plaintiff v. an employee (defendant) affected my business in 2022. Getting involved in a scheme that got me $125,000 monthly was my only saving grace. It saved my business

John I can so relate to you and your friend that cheered you on when he was losing his job. We paid off our home when a friend was struggling in her business because of covid and loss of events (Feb 2021). She HUGGED our home (an interior pillar) when I said "hey my the grass does feel better." And I was going to baby showers when we were not having babies and adoption wasn't working. Celebrating your friends and what God has done in and through them has to happen 24/7.

Dave Ramsey , a Christian , drives a Raptor , carries a .45 everywhere and worth a 1/2 Billion dollars , that’s cool in my book , if that’s a nerd call me a wannabe Nerd

I own property on the other side of Australia. If a pipe leaks, I send a plumber. I have never been to the other side of Australia before. I pay a manager to look after the tenants and property. I get $2000 per month in rent and the loan is $1200. I paid $300k for the house 2yrs ago and it's worth $440k today. It's easy.

I WANT THAT PEACE YOU SPEAK OF DAVE!!!

John: Overanalyzing the first caller trying to impress Dave. Dave: No

Pay off that house - it IS Step #1 in retirement prep.

Dont calculate or Ramsey wont have a job anymore!! Only kidding. It really is an emotional battle more than anything. People realize that eventually, hence why baby steps work.

My mom came here from Bosnia 🇧🇦 worked 25 years straight from 8$ to 14$ got house paid off living like a queen now 6 kids all of us have great jobs ! Yes she never had a credit card in her life just cash and debit card. So yes you can live your life America dreams but you will be broke all your life ppl needs to live their lives and own dreams.

Yes please! ☺️ beans and rice T-shirt would be amazing

I love your We have food at home. Thank you for your content!

Congratulations Dave , on your leadership event… You inspire me every time I listen to you… 💥

I’m going to be on this microphone until I don’t make sense 😂

The hardest part for me with getting out of debt is patience. It’s simple, they are baby steps… but it just takes time and I hate how long it takes! Or maybe I’m just a very impatient person when it comes to money. 😂

For a Masters degree, some employers will pay for your classes. My employer paid for me to take night classes to get my engineering masters. Definitely look into options before getting loans. (Not to brag, but the Army and Air Force paid for mine and my wife's bachelors, too. :) )

Glory to God, how wise to mention this first.

My renters did pay my properties off. It worked for me. I only rented to retired professionals. If you don't put up a 'for rent' sign you can pick and choose your tenants.

12:25 I like that idea! Double the tip!!!! Yes, bring it back!

Amazing ! Thank you

Ha ha ha Papa Dave should not market the Merch 😅😅😅😅 Let Rachel and Jade market the Merch😆😆😆

You need to make a Plain T-shirt that says "The Ramsey Show"!!!

Here too learn📈

The Ramsey Show, You're the best! I just had to subscribe!

It took me forever to think about where I had seen John Delony before then I remembered! He was on Mind Pump! That was an awesome episode!

The Ramsey Show, This is great! I liked it and subscribed!

Such a humble couple 🤗

The Ramsey Show, I loved this video so much, I had to hit the like button!

I’d love to see a T-shirt that says “My Stupid had ZeeRows in it!”

My twins loved sharing a room but realized in college most kids didn't know how to share, clean or deal with the change.

I work at a private liberal arts college and 2 of my daughters get their tuition free. I pay for room and board for one and the other lives off campus and pays her own rent.

Don't have people in your life that don't celebrate success. The people who get on tiktok and complain about the price of eggs gotta go.

Love it Glory to God they are debt free !!!!

10:40 “here’s a tumbler, in case you want to tumble” 😆😆😆😆😆 Dave is the funniest guy ever

Penny, most relationships drag you down. You have time on your hands to make yourself successful.

Jade and Rachel the previous show: Don't buy an index fund Dave this show: Buy an index fund

Pay your house !!! Lucky you!!! With peace I bet the best dreams can be envisioned! Congrats 😊

What's in your wallet. Not Capital One!

Ramsey - best sales pitch ever - who cares, buy one, if ya want (not an actual quote). You know that's gonna make you sell out :). I gotta say - I like the tumbler with the 'live like no one else' saying, it reminds us to stay the course and live like no one else.

I just love the way the Ramsey personalities that work with Dave Ramsey on the air pander to Dave Ramsey. It could not be more obvious. I think it’s very clear if you want a career at Ramsey solutions, you better not disagreed with Dave Ramsey on a single thing. Can you imagine working in environment like that?

Phenomenal wisdom reality check @ 1:24:20

I want to see Dave on Patrick Bet-David's podcast. It would be an amazing conversation.

Ahhhh no fault divorce - what a glorious way to destroy families and avoid apologies and humility.

Shout out to Vegas!🎉

Will they do the Dave’s 2 day investment class in the future again for those who maybe cannot afford it right now? I’m still in Baby step 2 and about to go to 3.

Come on! When is the next George and Dave hour?!

I LOVE THE NEW MERCHANDISE! IM GETTING MYSELF AND MY HUSBAND SOME. PROLLY GOING TO GET EXTRA FOR HIS BDAY COMING UP TOO! THAT WAS SUCH A GREAT IDEA GUYS!

Isabella from San Diego: You need to move to a cheaper location or make way more money. I used to live in San Diego and trust me when i say you can't afford it unless your numbers change dramatically.

She's complaining about 3k/mo for a 3-bedroom.... um... that's like a ONE-bedroom in many places!

Penny is struggling with her situation and misinterpreting what is a clear message.

1:34:10 Nigerian fathers are stick and don't like to listen to their kids or really the wife for the most part. Its rare. He is better off accepting Daves gift and trying to get his father to talk to a professional.

I have no debt besides a mortgage and $9,000 saved (6 months expenses). Should I start throwing everything at the mortgage? It's a scary step

i'm looking at weirdos LOL

@Flo fellow Nigerian here. I feel your pain. Let me know how the conversation goes.! I need to have the same.

I love when Dr John is on the show!!❤

Sounds like you need to do an updated study of millionaires, guarantee there will be some people with different methods of becoming a millionaire

Emily and Gregory had super charasma!!

My job paid for my bachelor's and master's degrees. They paid so much a year, so I went part-time so all of it was covered.

The guy who sold the rental would have a chunk of change left over after paying of the house? Unless I missed something? Nice little amount to invest/play with.

It was a small gut punch hearing Mr. Ramsey specifically word it as: "The amount of people that went to counseling because they shared a bedroom with a sibling is zero." In my head, I thought, "one." Its the exact reason, I went to counseling...

Staying with parents is the standard in so many countries regardless of the financial situation. I don’t get the American culture. The benefits are economical (save on housing cost, day care costs) and it also helps build family values allowing your kids to grow up around their grandparents, there is less overall consumption of resources so it’s better for the planet, along with less waste. 3 generational homes are what can get people out of the constant middle class to actually building wealth and financial peace. My wife and I own two properties worth excess of $1million total and gladly rent them out to stay in a generational home. It saves us money on rent, provided free child care with someone we actually trust, gives us more flexibility as well so we end up getting more time with our kid (no need to travel to and from daycare constantly). It also provides a larger space for our child to grow up in (where I live a reasonable size house 3 bedroom two story cost excess of $1.5 million which isn’t exactly attainable), and allows us to have a much shorter commute to work.

For the first caller, the interest rate matters. Im not paying off a 2-2.5% mortgage rate. His initial hesitancy was correct on the opportunity cost of that money being in the market. The millionaire study of "nobody borrows money on the house to invest" is not the same situation of tons of people that pay off mortgage over the long run while investing aggressively

But they are always saying that married people are better off and live longer!

I tried renting out my old place and gave up after one tenant. It was a bad experience.

13:52 A new bachelor's degree needs work experience to be worth 2 cents - and you need to grab a job while you can get it NOW. It will also make grad school more meaningful and useful.

I’m a millionaire. I still have a mortgage. I’m making over 12% on my investments, last year 22%. I pay about 2% on my mortgage. I’m not taking from my investments to pay my mortgage.

No Dave you are wrong. Invest the $140k and grow at 10% will net a much larger return vs investing the house payment until retirement. This should be two separate categories especially if the mortgage is manageable even with reduction in income. I used your lovely investment calculator online to demonstrate that the $140k put away now will bring millions more and this is without adding any extra to it.

Roughly 120k in my portfolio are in tech/TSLA stocks, can I get an advice on any other stocks that I can acquire to diversify my reserve across multiple markets while creating a comprehensive portfolio allocation that balances my concerns of risk aversion and returns that meet yearly inflation.

How do I payoff $30,000 in debt making $4000 a month and $1600 in rent . Please help

First guy is saying he can pay off the house in 3 years anyway. I fail to see how the net difference in 20 years is $1m different from what he will invest anyway if he drops an extra $50k in the market the next three years instead of putting it toward his house...

@1:24:30 - The delineation between Millionaire and Billionaire needs to be your next Short! SECOND BEST thing I heard in this day’s show!!! (1st was DAVE being told to pitch merch!!! 😅😂😅 Seriously?! I’ll take that $20 I didn’t spend here or at the grocery store on junk-food and apply it to my Principle!!! Paying a 30 Year in 10!! 😊)

It must be very different in the US to the UK. All those universities, government buildings are cleaned & kept by large contract firms.

I want a t-shirt that says "I'm looking at weirdos".

10:00 Dave not a fan of the merch movement. lol.

I know I can find a better quality shirt than his at the flea😂

My parents have a million. My pop has taken 50k heloc and hasnt paid it off “to invest in the market because he can get a better interest investing”. So dont say ZEEERRROO” dave

I wonder if any of the personalities have investment properties other than Rachel.

Doing uber everybweekntonget out od debt. 1k a week. Not the best butta what u going to do

John quoting Tony Robbins 🤪🤡🙊👻

John Deloney… creating a deep dark problem for every solution.

Dr feelgood is so cringe sometimes

For the record, I’m a net worth millionaire and I love using my credit card, paying it off every month, and using the points for free travel.

You create chaos because you don’t know how to live with normal 💀

John loves putting down other men

Okay. We have been blessed with both sons and daughters. As a woman, I don’t know that I can take much more of the mollycoddling of my gender on the Ramsey show. Stop treating women as fragile beings, incapable of managing Life in general. It feeds into the notion that as women, we can never get ahead or catch a break. Women are resilient, responsible and more than capable of creating a fulfilling life both with or Without a partner. If Cori had been a male and called into the show, still living with a Mother at 45, we would never have heard the end of it. Just Stop.

You ask everyone to be generous, and especially so. You say you are not heartless and live according to God's word, the Bible. Then I ask myself why you would throw out a woman who works for YOU just because she got pregnant without being married. What is Christian about it and full of charity and forbearance? What is NOT heartless about that? And the fact that you totally put people down and yell at them in front of others is the lowest level. Your employees will get you where you want to go. You have the same responsibility for them, no even more when you are their boss! Dave, you are acting like a cult leader and not like a human being, and certainly not like a good company boss. And you probably can't make anyone believe that you didn't have sex before you got married. Who would believe you after everything you've said about yourself? As it says in the Bible: "Let the one who is blameless cast the next stone" and Jesus stood up for a woman who was stoned because of her behavior. Where do we live here? In a fundamentalist state or what? How do you deal with people!!? Horrible and Disappointing.

"Index funds are passive income" old Dave is confusing unrealized gain and income lol

pay off the house and then invest what would have been the payment for the house.....doesn't this caller understand this?

My mom came here from Bosnia 🇧🇦 worked 25 years straight from 8$ to 14$ got house paid off living like a queen now 6 kids all of us have great jobs ! Yes she never had a credit card in her life just cash and debit card. So yes you can live your life America dreams but you will be broke all your life ppl needs to live their lives and own dreams.

Jade and Rachel the previous show: Don't buy an index fund Dave this show: Buy an index fund