This Is The Shortest Call In Ramsey Show History!

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Жыл бұрын

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Пікірлер: 572

@mida8261 Жыл бұрын

Plot twist; he only had $211.

@spankynater4242 Жыл бұрын

And he only had $95 remaining on his mortgage.

@tommafer3250 Жыл бұрын

Lol

@rodneylatham6202 Жыл бұрын

Maybe ,but he only owed $95.

@destinhook3826 Жыл бұрын

That is definitely me 😂

@Jax_904 Жыл бұрын

Lol

@Lon1001 Жыл бұрын

Caller: "I'm a Ramsey listener for 20 yeasr. I have all this cash I'm not sure what do do with, should I put it towards debt?"

@moahhamid Жыл бұрын

Dave has always recommended people get as much debt as possible

@FelonyVideos Жыл бұрын

It's almost like he has learned nothing in 20 years of listening!

@arcelivez Жыл бұрын

@@FelonyVideos It's not always that simple!

@FelonyVideos Жыл бұрын

@@arcelivez You know that and I know that, but Dave doesn't! 😂

@17h127 Жыл бұрын

@@FelonyVideos I think Dave knows, he just knows most people aren't responsible enough to use good debt effectively and are best advised to avoid all debt. Him and Graham Stephan talked about it.

@8literbeater Жыл бұрын

He's been a fan for 20 years. Owes $95k on his house and has $211k, and called in to ask if he should pay off the house. Dave doesn't waste time with nonsense. NEXT!

@KM_1983 8 ай бұрын

@triiii1303Pay it off and have peace of mind that it’s paid for. Why pay more for it? What if he invested that money but the stock market crapped the bed? Then he would not have a paid off home and his return on his investment wouldn’t be around for years… take the sure thing now and then invest your former mortgage payment knowing you are safe.

@silvererain 7 ай бұрын

@triiii1303 maybe but it's much better to sleep knowing you dont owe anything

@cybrainx72 7 ай бұрын

sleep is important

@jaypence332 6 ай бұрын

What happens win the stock crashes or what ever he invested 211k goes broke.

@kbanghart 6 ай бұрын

@@silvererain yeah, but at a certain point you start worrying more about the recurring costs like maintenance, taxes, etc

@jackpoirier3334 Жыл бұрын

From the title, I thought the caller was going to hang up abruptly, not liking Dave’s advice. The fact that Dave hung up on him is so funny 😂

@angelap32 Жыл бұрын

I thought the same thing I said oh boy he has a person that's not going to like what Dave has to say but that was a good hang up

@purpleviolet207 Жыл бұрын

@@angelap32 That was one quick call! 📞

@angelap32 Жыл бұрын

@@purpleviolet207 yes indeed

@tailoredfitnessatl5044 Жыл бұрын

He knew what he should do. But he definitely got the confirmation and I hope he did the right thing yesterday when he called

@bjaka220 Жыл бұрын

Only reason I watched this thinking the caller was going to get mad at Dave and hang up on him.

@Doc_Watts Жыл бұрын

Caller: “$211k” Dave: “Sell your car”

@GCurtisJr Жыл бұрын

“And the kids”

@TruthSlayer1 10 ай бұрын

@@GCurtisJr "And the wife"

@ricardodelacrvz1400 9 ай бұрын

Caller: "$211k" Dave: "U on Beans and rice, rice and beans"

@dbtech4562 8 ай бұрын

Beans and rice. Get a job delivering pizzas when you get home from work.

@kroto7451 6 ай бұрын

lmao

@cisium1184 Жыл бұрын

If this was a troll call, the selection of "Chad" as the caller name was hilarious.

@Californiamagnum Ай бұрын

Just like Chad to do that.

@AccessoriesAddict5528 Ай бұрын

Classic Chad.

@barttfisher Ай бұрын

Everything seems so uncertain with inflation on the rise. Makes me wonder if my hard work will even pay off in the future. Not a great feeling for anyone trying to build a secure future.

@HildaBennet Ай бұрын

Stay informed, but don't panic. Focus on what you can control - your budget, your savings, and your investments. A solid financial plan can help you weather economic storms.

@beafoster747 Ай бұрын

Get a Financial consultant, stat. They can help you stay informed about economic trends and adjust your investment strategy accordingly. They can also provide reassurance and help you make sound financial decisions during uncertain times. Many clients including myself who worked with my consultant have reported feeling more confident about our financial future because she set up so many long termstrategies to yield us profit.

@PennyBergeron-os4ch Ай бұрын

@beafoster747 Ай бұрын

Then hire a financial advisor? The logic is literally self explanatory. How do I make five figures from the market monthly passively? You think I have a PhD in economics or whatever degree you need to invest?

@PennyBergeron-os4ch Ай бұрын

Yes, but you do agree the amount of information on the internet can be overwhelming? Now we are talking about that, maybe you could recommend who you work with? I've put that off for too long.

@fsmoura Жыл бұрын

_Cut the cards pay it off rice and beans deliver some pizzas, NEXT!_

@kylegustafson6088 Жыл бұрын

Don't forget to get a hoopty!

@ember13dp Жыл бұрын

And sell the car

@cancel.lgbtq.6892 Жыл бұрын

It would be hilarious if he only has $211 and Dave thought 211 k.

@nnyv0040 Жыл бұрын

🤣

@BridgeStamford Жыл бұрын

🤣🤣🤣

@FelonyVideos Жыл бұрын

Or if they were bolivars.

@fitnesstech2024 Жыл бұрын

but he said 95

@ryankiel4895 Жыл бұрын

I like your moniker. I'm so sick of the homosexual agenda progaganda.

@mariefonder2389 Жыл бұрын

I think he just wanted everyone to know he had 211 😂😂😂

@eethanhuntington Жыл бұрын

The real reason

@adiaz1182 Жыл бұрын

Str8 flex

@AaBbCcDdEeF Жыл бұрын

@@adiaz1182 and with very little muscle.

@nczioox1116 2 ай бұрын

Which isnt that much relatively speaking

@NexusBanks 2 ай бұрын

As if that’s a lot of money 😂

@garrettwatson2737 Жыл бұрын

If John was running this call, we would’ve had to endure 20 minutes of discussion about who hurt the caller in their past. Glad Dave was on!

@KB-sg7tv Жыл бұрын

😂😂😂😂😂

@Tunechi65 Жыл бұрын

"what was your childhood like"

@Themetallicafan21 Жыл бұрын

“Theres a reason behind that”

@nickwilsonxc Жыл бұрын

“This doesn’t sound like you have a financial problem. It sounds like you have a spiritual problem here.”

@KB-sg7tv Жыл бұрын

I'm rolling 😭😭😭😭🤣🤣🤣🤣🤣🤣🤣

@Joshmarmolejo_ Жыл бұрын

I started to smirk and laugh when the thumbnails for other episodes popped up. Lol

@johannesswillery7855 Жыл бұрын

@+①⑨④⑨⑦③⑨⑤④④⓪WhatsApp Scammer alert!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

@biancagriffin8501 Жыл бұрын

Lol!🤣🤣🤣

@SuperDuty250 Жыл бұрын

😂😂😂😂😂😂

@geraldwalker7609 Жыл бұрын

Listening for 20 years and didn't know the answer 😂

@fluffyFaris Жыл бұрын

Nah he just wanted to call in at that point

@dbtech4562 8 ай бұрын

He was just trying to show off.

@Wolfstalker21 Жыл бұрын

He wasn't given an answer he didn't like. He was given the conformation he said he called for. The laughing was just a fun laugh.

@wewhoareabouttodiesaluteyo9303 Жыл бұрын

confirmation*

@nickwilsonxc Жыл бұрын

@@wewhoareabouttodiesaluteyo9303 Don’t be a grammar knot see.

@lav7161 Жыл бұрын

He was about to say he was one million in debt before they cut him off

@Sheryl777 Жыл бұрын

If true, at least his house would be paid off though lol.

@May-tai 3 ай бұрын

@@Sheryl777Exactly 💯.lol It still pays off the same. 😊

@Sheryl777 3 ай бұрын

@@May-tai 👍

@taylormaines9909 Жыл бұрын

Remember this live, and laughing how quickly he hung up on him

@benjaminsalinas6780 Жыл бұрын

Same here… I remember saying “that was fast…”😄

@mikehtims Жыл бұрын

@+①⑨④⑨⑦③⑨⑤④④⓪WhatsApp this is a FAKE account

@wichaelmeston1492 Жыл бұрын

Plot twist… wifey had 250k of students loans

@Treehandler Жыл бұрын

When you’re married, it’s all “our” debt. So if he’s debt free and ready to pay off the house, there is no debt between husband and wife

@sneakerfreak2002 Жыл бұрын

Dont say wifey. So cringey

@wichaelmeston1492 Жыл бұрын

@@sneakerfreak2002 wifey

@handleyobusiness Жыл бұрын

@@Treehandler Til you're in divorce court.

@MrMLBson09 5 ай бұрын

Sounds like that's the wife's problem and not his.

@Dailyfiver Жыл бұрын

If he was actually a fan for 20 years he would have paid it off lol.

@anthonyfaucy2761 Жыл бұрын

Very poor call. They didn't ask him any other question like if he had any other debts

@otrebla8944 Жыл бұрын

The caller has been listening to Dave for the past 20 years. He likely followed the baby steps and just have the mortgage as debt. If he has additional debt, he can pay them off using part of that 211.

@Vazcov1609 6 ай бұрын

@@otrebla8944 Paying off your mortgage is a big decision, you should not assume anything, they should have asked for more details.

@awilliams382 Жыл бұрын

❤️❤️❤️ 😂😂😂 Dave ended that!!!😂

@richardgalvan4639 Жыл бұрын

I wanted to hear what Jacob in Fort Worth had to say🥺

@wewhoareabouttodiesaluteyo9303 Жыл бұрын

Or Jake from State Farm.

@biancagriffin8501 Жыл бұрын

🤣🤣🤣

@TripleBlsdNHlyFvrd Жыл бұрын

Me too, I'm in Ft W, lol.

@jacejunk Жыл бұрын

That was the shortest call (Jacob's).

@wewhoareabouttodiesaluteyo9303 Жыл бұрын

@@jacejunk Nah, phone call is not official until one can hear his voice.

@Incredible365 Жыл бұрын

Pay it off ! Lol 😂 next , Jacobs in Fort Worth 🤣🤣

@alvarobarrera6014 Жыл бұрын

I wish Dave would have flip flopped and say no dont pay it off that way John could chime in immediately "What are you thinking!? Don't pay it off!" Haha love John

@amanirosefoundation Жыл бұрын

John waits for his cue from Dave then goes all dramatic

@jimhandler1129 Жыл бұрын

Exactly what I was thinking. Such a Yes man.

@wichaelmeston1492 Жыл бұрын

Too much was said in this short call.

@ryankelsey9646 Жыл бұрын

Somebody just wanted to be on the radio…

@vivianblack2951 3 ай бұрын

I had to the penny enough to pay off my mortgage, but didn't calculate the $12.35 in interest for the few days past the month end. I gathered a bag of change from my car, deposited it and paid it off. I had no money left in my bank account, but lived off drawer money for a couple of days.

@cole4987 29 күн бұрын

At least its payed off, good job brother

@SirJoey420 18 күн бұрын

Drawer money? You must be a cashier. 😂

@vivianblack2951 17 күн бұрын

@@SirJoey420 I was at one point, but being a disorganized person I threw change into various drawers cans piggy banks, etc. and scrounged it when needed. Magic!

@beckygeer6480 3 ай бұрын

Caller was just flexing, Dave dispatched him.

@dannydinosaur73 Жыл бұрын

".....Jacob's in Fort Worth. Hey, Jacob!" 😂

@ParadeTheGospel Жыл бұрын

Haha I remember hearing this one on the podcast thinking wow that was short

@DarkStarAZ Жыл бұрын

Thought it was gonna' be "I'm Debt Free!! WhooooHoooo! 😄

@43DW Жыл бұрын

He said he had “211K” in cash Everybody

@cappaslangmurderer Жыл бұрын

excellent 👍 these unintelligible American agents throw me

@jazzymichael 2 ай бұрын

They threw me a pickle too

@s5101984 Жыл бұрын

I'm sure he has other debts he might need to tell them before being cut off but they must not like these agents 🤣

@joshstieneker4615 11 ай бұрын

Exactly, he didn't even get to talk about all of his other debts, if he had any. But I guess we will never know. A completely pointless call.

@boredmartymcfly6099 10 ай бұрын

@@joshstieneker4615Well, when the worst thing that could happen from taking his advice is a paid off house…. then maybe it would work out anyway, just not in the same order.

@Sunrise-fr9jb Ай бұрын

Why wouldn’t they like realstate agents?

@coding7196 Жыл бұрын

Great advice. I hate debt.

@missib4081 Жыл бұрын

LOL. I love Dave.

@Temuville Жыл бұрын

Side note: Who has a mean red beans and rice recipe?

@cisium1184 Жыл бұрын

I use the one from Emeril Lagasse's book, _Louisiana Real & Rustic,_ but I add 1/2 pound of chorizo in addition to the andouille.

@shoot_the_glass5654 4 ай бұрын

Didn't even get a "well done". 😄

@dougparson4407 5 ай бұрын

Hahaha - the commercials to hear this lasted longer than the call ! ! ! !

@boeingfan2479 5 ай бұрын

Congrats Jacob from Fort Worth!

@phatbetbruh Жыл бұрын

Bruh. Pay it off. Like you didnt know what they were going to say.

@fsmoura Жыл бұрын

He was hoping Dave would tell him to keep the money and go all in Cathie Wood Ark Innovation Fund.

@phatbetbruh Жыл бұрын

@@fsmoura lol. OMG

@Kristinapedia 2 ай бұрын

THIS WAS HILARIOUS !!!

@trachito Жыл бұрын

"Jacob's in Ft Worth..." No hesitation, lol.

@ValkyrieIA 9 ай бұрын

There needs to be some context, if the mortgage rate is under 2% why would you pay that off vs investing it for a long term return that should exceed that?

@stevenbeach748 5 ай бұрын

Doubtful the mortgage rate is under 2%

@bailey9r 5 ай бұрын

No but it could be easily 3.5 and the point would still be valid. He could have 25K in 23% credit card debt that I'd want to lose first. @@stevenbeach748

@bornkinggamer3347 5 ай бұрын

Dave doesn't like math

@AustinTexasGardening 5 ай бұрын

This was a flex call, and it wasn't the first

@DinoThugg Ай бұрын

real estate agent called the Ramsey Show to confirm if they were ready to pay off their mortgage. The agent had been a fan of the show for 20 years and had faced challenges in paying off their house. Dave Ramsey, the host, asked how much cash they had, and upon hearing the amount, advised them to pay off the mortgage immediately.

@mbank3832 Жыл бұрын

I am sure this is one of those troll calls DR got but this one got chosen to be uploaded for the laugh and giggles. So the troll actually won by having his pointless call being shown

@taylorsmith9629 Жыл бұрын

Where is the video for Jacob in Fort Worth?

@webfreakz Жыл бұрын

Aaaaaaaaaand onto the next call!

@alexspurlock3727 Жыл бұрын

I’m near Augusta Georgia. We’re not all that confused

@apuunahasapeemapetilon5347 6 ай бұрын

Dr. Platitude didn't even have time to ask if he's tired, scared or safe!

@DEBTFREEMIKE769 Жыл бұрын

Look it’s some peoples bucket list option to get to call in and chat with big Dave

@zaad5273 Жыл бұрын

I agree. As long as he's been a listener, I think he just wanted to call in while he's still technically in debt

@SeanDIY Жыл бұрын

If you have a 3% or lower mortgage and Dave says you can get 12% on a mutual fund why would you pay off the house and lose the mortgage deduction?

@jondearing Жыл бұрын

Exactly. Maybe that wasn’t a question on the “millionaires survey”.

@Dooguy Жыл бұрын

where is anyone getting 12% on mutual funds??

@aba1791 5 ай бұрын

@@Dooguy IKR, I'm certainly not🤔

@glasshalffull2930 5 ай бұрын

Future calling…..S&P 500 earned about 20% in 2023. All these guys tout 8-10% average. Dang, even CDs at my bank are about 5.5% now.

@SeanDIY 5 ай бұрын

@glasshalffull2930 good point. With that said though, 2002 was down 18.1%, so when it went up 24.3% in 2023 it was still down from 2021, so it was basically at the same level it ended 2021.

@thomasjorge4734 4 ай бұрын

Buy some rice and beans, now!

@leemcfarland4769 4 күн бұрын

If he has a 2% loan, Don't pay it off. Put in in CD and get 5%.

@camerongray7767 5 ай бұрын

Lmao how he been watching for 20 years and don’t know what to do

@fras0065 Жыл бұрын

The laughing the callers make when they are told something they don't want to do always irritates me to no end

@Omegaphats Жыл бұрын

You must watched a different video because it does not seem like he disagrees. He said he needed an extra push and got it

@Emophilosophy Жыл бұрын

Oh my god I’ve never really noticed that until you said this. It’s literally the same exact chuckle from everyone

@michaelnodorft7198 Жыл бұрын

I’m from Augusta Georgia! If I knew where to find Chad I’d go tell him to pay it off myself!! Lol

@ProfessorOfLogic81 6 ай бұрын

Some people just want you to hear how much money they have

@miajean352 2 ай бұрын

Jacobs in Fort Worth hi Jacob 💀💀💀😆 Dave just hung up on him and took the next call like he was waiting on Jacob’s call for hrs 😂😂😂

@iolss Жыл бұрын

Thought was something bad, turns out it was something good.

@cashway0420 6 ай бұрын

Caller: Hey Dave. Dave: SELL THE CAR! Caller: Okay, bye.

@games68775 2 ай бұрын

I thought it was gonna be something about selling a car lol

@marquiesbutler4277 Жыл бұрын

Man honestly wanted to hear the rest lol

@bobularbob Жыл бұрын

shortest call, but the LONGEST commercial before i can watch this....

@fmoney Жыл бұрын

Dave just wanted to upload this because the caller said he was a fan of 20 years

@MJKT95 Жыл бұрын

Well dang🤣

@cheeseballs3825 Ай бұрын

I'm your biggest fan. I make 25k a year, have zero in retirement, my CC are maxed out I spend$40 a week on coffee, eat all my meals out, wear name brand clothes. Can I afford a brand new car?

@big123lak 6 ай бұрын

Paying ur house off is literally saving more money then saving money lmao 🤣

@buckybarnes3803 Жыл бұрын

Call Zander Insurance and then our investor Pro, heck just send us a blank check

@RIGTHEGIANT Жыл бұрын

I swear some people just call in to show off

@seedabeauty 2 ай бұрын

Chad doesn't need confirmation, Chad needs attention.

@tr3slech3s Жыл бұрын

If I have rental properties paying off my mortgage for me, do you think Dave would still yell at me to pay it off asap?

@wewhoareabouttodiesaluteyo9303 Жыл бұрын

Yes. Pay it off. You are still in debt.

@sblijheid Жыл бұрын

Yes. Remember the moratoriums and you know the answer is yes.

@jml9550 Жыл бұрын

I have rentals that are getting more than my primary home mortgage. I still choose to pay off my primary home mortgage. No debt is good.

@thaisrutman8994 Жыл бұрын

Yes.

@feliciavale4279 Жыл бұрын

He'd tell you to sell the rentals if you don't own them.

@nataliethomas3260 Жыл бұрын

this made me laugh.

@paulhopkins1905 2 күн бұрын

Plot twist, he owes 95 grand on a loan with a 2.5% intrest rate, and that 211 grand is sitting in a high yield savings earning him 4.5% a year....paying it off loses his money

@radfoo72 Жыл бұрын

Hello Dave Ramsey, I have enough cash to pay off my debt but should I do it? I need your confirmation🤪

@inthepinesmama Ай бұрын

he is a fan for 20 years and apparently never ''heard" a thing dave has taught...glad he didn't waste much time on this call!!

@mariegreg2202 Жыл бұрын

I live in Papua New Guinea. How do I get in touch with Dave Ramsey. We do not have much option for investments and need some advise

@koltonyslicer 6 күн бұрын

Where’s the full video😭

@PtylerBeats Ай бұрын

“Hey Dave, I’m super rich and have enough to pay off my debt but I don’t know if I should. I kind of like owing people money. It makes me feel like a man of the people. What should I do?”

@helenhilton2158 Жыл бұрын

Sounds like the guy didn’t really need advice, just wanted to get on the show!

@nowie4007 Жыл бұрын

Yeah

@josephinenelan4204 Жыл бұрын

Troll call

@matthewgardner2144 7 ай бұрын

Chad "loves goin' to git it."

@davidspin5353 5 ай бұрын

90 days is not the same as cash... Dave Ramsey and me...

@AtillatheFun Жыл бұрын

I strongly disagree. He should invest it in property (specifically starter homes) and build a portfolio. I don't understand all the people in the comments not understanding how money works. You can use it to make more.

@khaicapital2142 Жыл бұрын

Wow someone who understands 🤣 hard to find these days What if the interest on that mortgage was like 2.75% No way its a good financial decision to pay it off

@etucker5007 Жыл бұрын

Dave has addressed that exact issue 1000x over. Have you ever listened to this show before?

@khaicapital2142 Жыл бұрын

@@etucker5007 yep and he is wrong 1000x over lol Paying off your home depends on the interest rate Paying off any debt depends on interest rate

@strack94 Жыл бұрын

That's great but if he's trying to live a debt free lifestyle then paying off his house is an easy decision. He still has plenty left to invest with. Besides Dave always recommends paying cash for real estate when possible,.

@AtillatheFun Жыл бұрын

@@strack94 Dave recommends paying cash for real estate to people who have a 5th graders understanding of money. You should NEVER pay for something in cash when you can pay 20% later refinance it and then buy another property and repeat.

@mcdouche2 5 ай бұрын

I can’t believe GigaChad took time out of his busy Alpha Male day to call this little show.

@Albert12893 Жыл бұрын

Caller knew the answer. Strange

@lamleg1172 6 ай бұрын

He did say he was from Georgia. Dave was scared he was going to bring up football!

@josmith4531 2 сағат бұрын

Listen to his show for 3 hours, read his book. You should almost any answer that would not take a lawyer, account, or stock broker.

@wurly164 5 ай бұрын

I came into a large sum of money and owe 80k on my mortgage. I asked my guy should i pay it off. He said whats the rate, i said 3 1/4. He said dont pay it off and put the money into CDs at 5 1/2 %.

@geoffreyfaltot1006 6 ай бұрын

Somewhat of a polarizing figure this Dave Ramsay. With his philosophies on money saving and spending. Like him or hate him, he obviously knows a thing or two.

@donaldpaluga 4 ай бұрын

He who speaks does not know. He who knows does not speak

@mayharmon6948 6 ай бұрын

Compared to some of the callers, this is a very nice position to be in.

@trnc9082 5 ай бұрын

He just wanted to hear himself talk.

@joshstieneker4615 11 ай бұрын

It amazes me how all these people just give away how much money they have. It makes you wonder if the stories are real sometimes. I wouldn't give away any of my personal financial information on a national radio show, but that's just me. He knew he could pay off his house but was just gloating about how much money he had probably.

@LegDayLas 6 ай бұрын

I have 190k net worth. Congradulations you now know the net worth of me, some random person you have never met, nor will you ever meet. There is literally nothing you can do with that information. I have not told you my routing numbers, what banks it is in (if any), or any of my personal information other than my youtube account name and picture, both of which can be faked (which they clearly are). The fact you are so paranoid someone will steal from you without giving them the information needed to actually do so is just unhealthy.

@Boris275 6 ай бұрын

@@LegDayLas😂

@kbanghart 6 ай бұрын

@@LegDayLasok relax

@drlax15m 5 ай бұрын

the show is pretty annonymous

@carryeveryday910 5 ай бұрын

@@LegDayLasJust a thing with some people I’ve noticed. I’m super open about my finances but others I’ve met have been raised and trained not to talk about it with anyone like it’s taboo. My wife was like that when we met. She thought it was wild that I wanted to combine our stuff so I could effectively budget lol.

@Chet_24 2 ай бұрын

At least it was a generally positive/optimistic call. 😊

@danguee1 4 ай бұрын

It must be different in the US (actually I know it is)! I've had a tracker mortgage in the UK that's cost me on average 1.0% over bank base rate for the last 20 years - typically actually about 1.50% - 1.75%. It would be ABSOLUTE MADNESS for me to pay off any part of my mortgage any earlier than I need to. I can, instead, expect to get 8-10% return (over those 20 years) on global trackers in my pension-wrapper portfolio. I'd be *_crazy_* not to use the debt in my mortgage to grow my pension pot..... So "pay it off!" would have made no sense to me and many others here in the UK in the last decade and a half