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The lady with the "inheritance" that's not a randomly plucked out of the air number, he gave her exactly 20 times her annual earnings, it's a lump sum pension and if she invests it and follows a 5% withdrawal rate rule it will supply her salary indefinitely.

HELLO! Ramsey Team. Please use the CHAPTERS feature. Thanks.

Dave I just inherited 100 million dollars Dave: start delivering pizzas

Do NOT tell anyone about what your boss left you!

The lady who inherited 1.25 million from her boss earned that sum of inheritance in his eyes

Dave trying to keep a straight face on the "personal assistant" call 🤣

First caller - make sure you pay your taxes first. Best advice Dave.

The 1st caller's boss had a heart of gold, and no doubt she wasn't the only one he showed kindness to

I heard the first call before but it's a very heartwarming and refreshing story. The boss clearly viewed her as family and probably realized she was more honest / loyal than his own family (I could be totally wrong of course, but just based on what we can gather from the call)... Kinda reminds me of the movie Knives Out. All his kids were scheming for his inheritance and meanwhile he gives it to his caretaker because she was the only one with a genuine soul. Not sure that's exactly the case here but you can tell she is a nice person just from how she conducts herself during the call.

As a gamer, I'm glad to see Dave rail against micro transactions. I just wish others my age understood the asinine nature of paying 10 bucks for an outfit for your character in a game to wear 😑

The entire conversation about the "virtual" pigs and games was HILARIOUS!!!

She sounds genuinely still surprised. I hope she doesn't rekindle any previous relationships or new ones, focus on herself and the children.

On the first call... a lot of people believe all rich people are greedy and evil, but if you ever get to know some of them, they're usually very generous. I've had bosses that would literally do anything to help the people that worked for them, sometimes they feel as if they have a responsibility to take care of their people.

That was a huge a blessing with that first caller. I know that man is in a better place. May he Rest In Peace. He was even a great man in death. Wow, I aim to be like that. ❤️

I personally know several millionaires & I am not sure most of them graduated high school much less a fancy college! The majority made their money from their own hard work!

I love listening to your show Dave for my English listening practice and I thank you for the very high quality and helpful information.

This just shows why The Dave Ramsey Show is on top of the radio stations right now

BTW… it’s ethical and common in for certain personal assistants, if highly regarded by boss and or family to receive a stipend/ upon end of life. Nothing shady, these type of people truly appreciate their assistants

That first phone call....dang. I cant even get a small cost of living raise from my boss, much less millions of dollars...lol That is crazy!!

With 1.2 Million in her shoes; I would have paid all debt. Sell the old car. Buy a new honda odyssey and purchase a house all cash. And then invest the rest. That would have been great advice!

“Can I have a snack? Can I have a snack? Can I have a snack?” 😂😂😂😂 every day!

First lady-must be nice 😬. Even though I thought she was crying at first.

17:17 that’s why Dave is just the best. He may clown around a bit and poke fun but at the end of the day he will point out the core of the issue instead of taking cheap dismissive potshots at something he doesn’t understand. I know FOR A FACT that Dave Ramsey is not a gamer and it’s cool that even though he talked about how ultimately video games are escapism and a virtual hobby, they are still a valid hobby if you don’t engage in unhealthy amounts of escapism. Many people Dave’s age wouldn’t draw that distinction or speak in such good faith on something they don’t care for.

What a maniac. The first caller. The age of the kids!

I love seeing Dave Ramsey best Moments

I too heard these before. They are great! Some amusing, some funny and some so stupid they are funny. Dave's reaction is sometimes the best part.

The First Lady, just maybe she and her boss had more going on than work. That’s a lot of money for 8years. Maybe 20years or more.

I would love to see an update on the first caller

great advice , thank you

That virtual stuff was hilarious

"Animal Farm" hahaha, I love Dave but he is such a boomer 😂🤣

Dave when he witnesses people who have a heart and are nice "😮 that's an arraignment"

I need to get a job as a personal assistant

Those are the boss kids lol🤣🤣🤣

Stellar advice on every level.

On 42:18, 250k for a bachelor's is NOT worth it. I paid just shy of 200k, and even though it was a great education, it wasn't worth every penny. I love my job as a software engineer, and I make enough that I should have my loans paid off by the end of this year. Many of my peers that didn't have their education paid for them aren't as lucky.

Great information

No bacon going to happen 😂😂 10:42

I like how Dave learned what a video game is in real time on air

Dave like I aint gonna pay y’all that much hahahaha!

2nd caller had no husband, four kids, perhaps the boss was more than a boss.....just sayin.

Love these clips.

I think i need an interior designer and a meta chef to cook for me virtually every day 😂😂😂

Love the story about his grandpa. That's awesome!

Love to hear that 8 out of 10 largest US companies are run by CFO/CEO/COO's that graduated from state schools

Love it!

A lot of people need to hear from another person confirming their own take on what they already know they need to do.

LOL! I love this!

For the last lady, I cannot imagine going to school for so many years, working so hard, then working even harder to pay off $300,000 of that student debt...just to retire from it all afterwards. Think long and hard about the road ahead before you commit; whether that is going in to become a doctor or leaving it all behind.

41:23 Dave’s grandpa reminds me of Ove, from the book A Man Called Ove (recently adapted into a movie called A Man Called Otto).

She was definitely her boss lover lol traveling with the boss ha ha Dave read right through that lol 😂

Why do people not want to buy stocks when they are down. Its insane. These people are insane.

Dave with that "Mm-hmmm" 🤣😂😂

Wait till Dave hears about Fortnite.... my brother has probably spent my parents retirement on it.

lol. That lady at the end did it for me.

killed that

I'm not for living in the metaverse but I'm not going to miss out on the money that can be made in it

Pay -To-Win games are the worst, and they have consumed the lives of so many kids.

First caller, stop having kids

42:45 to 43:03 NO..unless that graduating student has/had a career already lined up in writing promising to pay him at least half that each and every year as a guaranteed salary.

love the farnville story, lol.

When I was a kid, being accused of getting your clothes or whatever at the blue light special was a supreme insult. And this is from kids who were all lower middle class.

Was this first lady only his personal assistant? She's a single mother with kids younger than her length of service in the job... More to this..? Or am I being unfairly cynical? I'm not judging by the way.

“I just have a quick question” No, you don’t. You’re going to talk for a long time.

"You married" no "how many kids do you have" 😅

Get well soon Dave xx

Nice boss!

I got a 2010 Japanese car in 2011 for 12k. It's only cost like 1k in repairs in 10 years.

I totally get the paying real money for virtual games. Mostly kids getting money from thier parents to go away and not bother them. Actually detracts from the game for other players as special items and even required objects cost more or get snapped up before anyone else gets a chance. As a gift for my ever loving wife I did buy digital money with actual money as she's retired. Not much money at all, but just so she could get one item. I rented vhs tapes, money for entertainment that you don't own.

That’s when I heard the sweetest voice (Forrest Gump voice) No wonder her boss left her a million dollar this is the nicest person I’ve ever heard and I’ve never met her

How many of you get those car warranty calls? I get them constantly!! Used to be recorded, now it’s a live person.

Ab the 1st story, i bet the boss played a lot good games w/her

And he still doesn’t get what BTC is

Me laughing bc I think Im different but the Sims havs been screwing me for years.... I NEED IT

What you fear others pray for❤

How are you going to become a Dr. Then want to NOT do it anymore. Spent all that money and wasted all that time for NOTHING🤯🤯🤦🏽‍♂️🤦🏽‍♂️🤦🏽‍♂️🤡🤡🤡🤡🤔🤔🤔🤔

It would take her over 20 years if she saved every penny from her job to save that much lol. That’s an amazing gift.

I went to a "part time" doctor 1 time with complex medical conditions. She had excellent training and fellowship credentials. I was shocked at how she was as a physician! Blind sided me. I don't think you can be an excellent part time physician. I don't see it much here where I live. You need to be dedicated and available. I want a full-time, sharp physician not a part-time keeping my hand in the business physician. Just my experience. I left her office never to return. Her skill set was inferior. I never mentioned her name, but when I told the vague story to another highly qualified full-time physician as part of my journey to him, because I won't smear people, he guessed her name in about a minute. Told me her skill set was very limited. Enough said. You can't have it all. Not at the same time. 70k is not enough for a family of 5 to live off of in this country, unless I misunderstood the numbers. Sounds like very poor planning of a very smart person. Banking careers are not high paying jobs that I've seen even as a vice-president. God bless her.

Any retribution if my Navient loans are paid off?

When I used to collect comics as a kid, I would get excited when the magazines would publish their spreadsheets on what they were worth. I’d run to my dad all excited that I had one that was worth $10 and he’d sort of scowl at me and say that it was only worth $10 when I found someone ready to pay me $10 for it. Not just because a magazine said so. Virtual things are the same. They’re not worthless if someone is willing to pay for them. I would agree that they tend not to retain their value for very long, and there’s probably a moral discussion to be had about selling them as well. But they do have value.

That inheritance story... I would make sure the family is not scamming her.

That virtual furniture needs to be illegal

The possible argument regarding Cuban's health med-method? The health industry is on a fast-track to flip meds at lower costs with dangerous synthetic chems from off-shore manufacturer industries with loop-hole regulations.

Good point by Dave on CEOs at "46:50". However, I have to push back on that a little bit. Yes, the current CEOs are from state schools, but I wish he would also tell us who pioneered those companies as well as who their early CEOs were. If he were to discover that they were also from state schools, then I would have to back him on his point. Consider: The current CEO of Microsoft attended U of Wisconsin and U of Chicago. But where did the founder come from??? That's my point.

The people that are going to Wharton, MIT, etc. probably have parents that drop $250k on their kid at the drop of a hat. This kid might be unhappy about the spoiled nature of his connections had he attended.

To be fair. A lot of high level firms and companies require high end Ivy League degrees. My uncle is a lawyer at a firm that requires Harvard degrees and nothing else.

Where the hell are good homes for under 200. You are buying a foreclosed home or one you can't even live in where I'm at

The breathless, pearl-clutching lady at 27:32 says, "We have -- are you ready for it -- 1.5 MILLION DOLLARS." And then she drops the mic. Dave sits back with his arms crossed and says, "Yeah? So?" This is more money than this lady has ever seen. But $1.5 million is not that much anymore. It's enough to buy a house, a car, and fund EITHER a university fund or a retirement account. Especially considering she and her husband have another 20-30 years to live.

Forget all the speculation. The advice was good

That is just disturbing 😳

Dave Ramsay doesn’t know what a PA does 😂

First call - get a fiduciary

Yeah that first women has some kids with ol dude

Dave criticizes Congress for their out-of-control spending constantly, but I am sure he has no issues with them sending billions to Israel every year.

Hey Dave, one way to avoid collectors using whatever means necessary to collect your past due debt is to actually pay your bills.

Money is becoming virtual. Lol.

Is there a follow up on the first caller?

That hxe bxtching about not having a job anymore but her boss leaves her 1M 😂😂😂😂😂 hxe retire and just work for fun lmao

I just have something to say about the “Rich people being bad” and the “Kentucky tornado helping guy” segment. Yes those people are doing great things that aren’t bad and are helping many people especially Mark Cuban but with the car dealership guy you say he is “helping” all these families after being displaced by tornadoes. How is he helping them when they have to use what little money they may have left to pay him rent?? How is he helping them get back to where they were before when they are paying him, yeah he has a lot of money and can provide homes to “help” these people but wouldn’t it just be more of a “help” if they didn’t have to pay the already rich guy and could save money to hopefully get another house of there own. Not trying to be a Debbie downer but how much of a “help” is it really when they are paying the guy who already has more than enough money when they need all the money they can get to rebuild what they lost?? I think that’s what people mean when they say rich people are bad. Yeah you are trying to “help” but making people pay you as a rich well off man while they just lost their house family friends to a tornado isn’t much of a help. It’s the greed that people see in the rich that makes them bad. Yeah that’s the way the world works you have to pay for what you get but if someone doesn’t really need the payment anymore to get by and they still have people in worse situations pay them. That’s just greed. 26:30