Will You Be Proud Of Your Decisions 20 Years From Now?

Will You Be Proud Of Your Decisions 20 Years From Now? | May 14, 2024

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23 күн бұрын

The Ramsey Show (May 14, 2024)
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Dave Ramsey & Ken Coleman answer your questions and discuss:
- "We keep coming up short $500 every month and don't know how to tackle the Baby Steps with 4 kids"
- "I've homeless with 3 kids and don't know where to start on the Baby Steps"
- "Should I leave a well paying job with benefits to spend more time with my family?"
- The real reasons why waiting to pay off loans with 0% interest is stupid
- "How do I stop comparing my financial journey to those around me so I don't go back in to debt?"
- "How can I help build our income as a stay at home mom?"
- Willie Robertson of Duck Dynasty joins the show to share about his new book, Gospeler: Turning Darkness into Light One Conversation at a Time
- "Should I take a 0% interest wage advance from work to pay towards my student loans?"
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Пікірлер: 147

@lawandahilaire5057 20 күн бұрын

Hang on Kelly will pick up….should go on one of the tee’s 🤣🤣 Kelly is a life line!

@brookebales2931 18 күн бұрын

See I listen to this show daily (2 hrs) BUT it’s while doing dishes, folding laundry etc etc. gotta multi task! Then it’s ok. Plus I’m learning and I’m staying convicted/reminded on being wise with finances. 💪 💰 We have got to put our phones down more/TVs off, there’s lots of time to spend with our kiddos! ❤

@bluebelle9572 9 күн бұрын

That’s how I do it a lot of times as well. 💙💛

@scrubs4everr 20 күн бұрын

What Dave and Ken said about social media is so true. It's a time stealer

@Trustbutverify2651 20 күн бұрын

Yes, but their KZfaq channel can also be a big time waster, yet they ask everyone to listen and give them a thumbs up - LOL! The only difference is that I can watch the KZfaq channel on 1.5 and skip what doesn't interest me and get through a show in under 30 minutes. Their real time stealer is their 3 hour radio broadcast, packed with ads, and no fast forwarding there!

@kristinewberg7656 19 күн бұрын

@@Trustbutverify2651 It's great background show for chores, though, as it is really just a radio show. At least that is how I listen to it!

@Trustbutverify2651 20 күн бұрын

These two have such a great time together - they could just talk and talk and not even take any calls.

@LadyJamieElizabeth369 20 күн бұрын

Dave you are such a gentleman and a sweetheart! Thank you for being so generous and kind to that mom. He gives the medicine you need. He’s be yelling at me and calling me dumb but that’s ok I’m getting it together. So grateful I heard you on the radio a couple months ago. ❤

@angelikakimpesa9551 19 күн бұрын

@jeffrobnc1971 20 күн бұрын

37:39 "Quit going down KZfaq rabbit holes!" Wait, what??? Where am I now?

@MsValiG 18 күн бұрын

But rabbit hole is totally different, like watching stupid people doing stupid things. Ramsey show is not a rabbit hole

@keeziegopaul9353 Күн бұрын

Exactly!

@nbrown565 7 күн бұрын

I love Ken Coleman. I remember the Flowbee back when you couldn’t fast forward thru commercials.😮😮

@janetwilliams1153 17 күн бұрын

Kids love it when you pick them up instead of the child minder. That period of time does not last long at all. It is partly financial but it is how much your child feels you love them when you collect them from school yourself.

@stevena55 20 күн бұрын

For Katie, something doesn't math. $20/hr 40 hours a week isn't $28k, it's 41,600.

@alonzo11us 20 күн бұрын

I was wondering how did Dave skip right past that info. Also, I'm not convinced by her story about her grandma. A lot in this story doesn't make sense.

@bettedavis9261 20 күн бұрын

I thought that, as well. Maybe $28,000 is net income? But I was surprised Dave or Ken didn't say something.

@jorgeo.1405 20 күн бұрын

Honestly sounds like she's going out spending considering her take home and not being able to save ? I work 2 jobs and I still have time to dilly dally.

@motoryzen 20 күн бұрын

Adding to the point others have made in response to your reasonable comment comma I'm willing to bet that she does not claim herself all year as well. This will result in her getting a pretty big income tax refund for example I make $18 an hour and my take-home pay after taxes after everything every week per paycheck is around $540 a week...this around 28,100 to 28,200 actual take some pay. Now other variables? I havw no kids aka dependents. Thus my tax filing is more simple..( Shrugs)

@clarissaubben7884 20 күн бұрын

I think she’s a drug addict or a former one

@sherridevries9144 20 күн бұрын

Im a CNC machine operator too! 🎉 My 1st full time job in 23 years

@scrubs4everr 20 күн бұрын

Dave and Ken are an amazing team! 🎉 Love seeing them

@ClutchSling 20 күн бұрын

For Katie’s case there may be more than meets the eye…why wouldn’t grandma want her in the house? Lesson learned? Are drugs a factor?

@LadyJamieElizabeth369 20 күн бұрын

Generational abuse. Why was her self worth so low to be attracted to an abuser. Learned from her family maybe? Lots of cruel mothers and grandparent out their abusing their progeny.

@ThePolypam 19 күн бұрын

Deeefinitely substance issues which is why her GRANDMOTHER has taken her great-grandchildren (however many that was) in.

@henryancheta6668 10 күн бұрын

This is the first time I watched the entire show on KZfaq. Usually I hear the show on Pandora streaming. Dave Ramsey is not gone yet, and I am already missing him. Thank you very much for your teachings on financial discipline and financial responsibility.

@BeeDee-qs9so 21 күн бұрын

I wish I had more time today to shed my thoughts, but Ken and his Flowbee made my day 😂

@Trustbutverify2651 20 күн бұрын

I laughed out loud, too - had totally forgotten about that!

@BeeDee-qs9so 20 күн бұрын

@@Trustbutverify2651He’s such a hoot. He’s definitely what could be called an “old soul.” Even I can barely remember Chia pets, much less Flowbees. I have often said that Ken is secretly a 70 year-old in a 50 year-old body. 😂

@Trustbutverify2651 20 күн бұрын

@@BeeDee-qs9so What I like about him is that he takes the issues seriously, but doesn't take himself too seriously. And he has a memory like an elephant!

@BeeDee-qs9so 20 күн бұрын

@@Trustbutverify2651 Spot on.

@dianem4188 14 күн бұрын

I enjoyed that part of the call and came here to look for the comments. I love Ken. I love all the personalities but Ken and George are funny. LOL I hadn't even listened to the end of the call before my comment above and it just got better at the end. Love it!! 🤣

@UnbotheredLibraBeauty 20 күн бұрын

Gotta hear that intro. Rewind everytime I miss it. 😁❤️

@AmberNathanGillespie 20 күн бұрын

the first call was exactly the one I needed to hear.

@ToulouseFan 18 күн бұрын

Isn’t it fucking sad that 100k is not enough for a family nowadays? Most jobs still don’t come close to that. I guess I needed to hear it too, since my hhi is double that and it will motivate me not to quit my job.

@jen5854 20 күн бұрын

Dave! I double it! You’re right! I’m a master at what I do.

@monicamollinedo8118 20 күн бұрын

There is a bookstore near me called Books and Greetings in Northvale NJ. Please come do a signing there they host them often!

@jaijames1131 21 күн бұрын

1:54:28 What a beautiful family.

@texasskygirl7890 21 күн бұрын

I don't know where that young couple is looking to live in the Dallas area, bur steer clear of anything close to downtown Dallas. It's very expensive there. There are reasonably priced one bed room apartments in West Plano. Willowbend area.

20 күн бұрын

Little Elm, McKinney and north of Frisco are also great areas that are much more affordable

@brenamichael7429 20 күн бұрын

What if Katie is a drug addict? Would explain why granny doesn't let her in the house. Caring for the kids, but not enabling Katie.

@mike112079 20 күн бұрын

Yeah I thought about that. I wouldn’t be surprised if that were the case

@BeeDee-qs9so 20 күн бұрын

Possibly where some of the money is going, too. This is one of those calls where unfortunately they are only left with the information they’re told, and don’t have the luxury of deep dives into the story. In any event, Katie obviously needs help, so the details will be uncovered at some point through their generous offer of support, I think.

@ThePolypam 19 күн бұрын

Dave was quick to judge based on her word and didn't step back to look at the answer in front of him: a compassionate great-grandmother who is surely elderly taking her ggchildren in to spare them life with an addict.

@mike112079 19 күн бұрын

I know then he is talking about that she may be giving her too much money haha. She is raising the kids not just babysitting them daily. She deserves all of the money lol. I’m in my 40s and getting exhausted just thinking of raising 3 little ones lol

@riverfisherman4255 15 күн бұрын

Very likely the case and grandma is a saint for dealing with the kids crap

@rachaelholderman9677 20 күн бұрын

I heard Lindsey's story on Sadie Robertson Huff's show. Great story!

@mightyjoefrank9517 20 күн бұрын

Make it so!!! Love it !!!

@alexisballard1459 21 күн бұрын

“Tortoise wasn’t stopping to take a poll” - so good!!!!!! They don’t get a vote!

@rhondaadams4013 20 күн бұрын

Another great show!

@jeromecardinale4791 21 күн бұрын

Tith. Pray peace kindness joy bliss laughter abundence prosperity to all🏁

@LearnAsYouGo. 20 күн бұрын

Why did Dave put Ken on blast like that for not speaking for 13 minutes! 😂😂😂😂

@amireallythatgrumpy6508 20 күн бұрын

The real funny thing is that was only 8 minutes in.😂

@Helloboby 20 күн бұрын

As a dude also from fort Myers, you can make a piss ton of money considering which construction industry. But also you can get screwed.

@pl9915 20 күн бұрын

I’ll be lucky to see 20 more years - so , of course . Always . Why wouldn’t I be ?

@barbaradann1446 20 күн бұрын

ever hear of school bus or car pooling the kids? depending on their ages they want to be with friends and be taken to activities, not necessarily quality family time. And the kids would probably miss that income from your work.

@SouvenirKidneyStone 19 күн бұрын

"You'll never have to deal with pushy salespeople..." Too bad you can't say the same about Smartvestors, ELPs, Churchill, or Zander. Give them your number and your phone will never stop ringing again...

@kimcurtsinger8872 20 күн бұрын

Removing a pain pump after shoulder surgery

@PoyTroy 21 күн бұрын

Don’t move to Dallas. I’m in Houston and rent is only going up. Dallas is x2 of that. Especially if they’re going for a major city like Arlington or anywhere close to downtown. The homes start at 400k in Dallas as well. They should stay where their at, if they’re income is gonna stay the same. And his wife is remote where they are now

@Trustbutverify2651 20 күн бұрын

Income up; outgo down; get organized. There it is in three phrases from Call #1.

@kainekitchen8522 5 күн бұрын

I’m 4500 in debt and I feel like it’s never going away and there’s people with 100s of thousands 😂🤦🏼‍♂️

@Nigriff 20 күн бұрын

Saying "Pre-Plan" is redundant. Planning is always done before something occurs.

@barbaradann1446 20 күн бұрын

I think Dave is a little tough on the grandmother. She is housing her grandkids. She knows this gal's history. thanks for helping her with the referrals. She needs a lot of help.

@user-gu3ou9ds7p 20 күн бұрын

My thoughts too .

@ThePolypam 19 күн бұрын

Her great grandchildren! Exhausting at that age which means she feels that someone needs to step up.

@MoiseIlus 20 күн бұрын

The 2nd guy won’t make it year 2 😂but I hope them the best tho 😅

@pamsmith1665 20 күн бұрын

I think a lot was left out of katies story. She may be into drugs and running with unsavory types , and grandmother is afraid for her safety and that of her grandchildren. Dave should have dug a little deeper before assuming grandma was the bad guy.

@stevensalter9697 19 күн бұрын

1:02:00 True fact the pickles in a Bic Mac are thicker than the patties.

@weyoungstrom 21 күн бұрын

I don't know where they currently live but if they move to Dallas they won't pay state tax and that will be a raise enough for both of them

@Rolando91flores 21 күн бұрын

Have you seen Texas property taxes ?

@Trustbutverify2651 20 күн бұрын

Every state has to make its budget (unlike the federal government), so if you don't pay it on this item, you'll pay it on another.

@rus-wu5uf 20 күн бұрын

They live in Tennessee, so, no gain there.

@nbrown565 7 күн бұрын

On Katie Dave I don’t think grandma is the bad guy here. We only know what she relayed. There’s probably more to this story that she conveniently left out. Sounds like this has been going on for a long time and this is probably not the first or second time grandma has had to take these kids. Also she does not need to take the kids until she is stable for a year or so before you throw these poor kids back into chaos.

@ThePolypam 19 күн бұрын

Kate's using.

@islandhopper100 20 күн бұрын

emt is shit paying job for what you do.

@Nigriff 20 күн бұрын

18% of $8,000 is $1,440. Average Big Mac in USA is $5.69. That's 253 Big Macs. That's almost one daily M-F for an entire year.

@Nigriff 20 күн бұрын

That's a Big Deal for someone who is living paycheck to paycheck.

@Anjure_Danjure5092 19 күн бұрын

I want to start a campground but land is well... out of my reach. Is a loan to buy land to start a campground a reasonable idea?

@Anjure_Danjure5092 19 күн бұрын

Atm I make 33k a year. I was in management for a decade but currently I am not.

@kristinewberg7656 19 күн бұрын

Considering how hard it can be to make a steady income in that industry, I couldn't imagine being comfortable with taking out a large loan to start off.

@Anjure_Danjure5092 19 күн бұрын

@@kristinewberg7656 fair. All that meas is my dream is almost un atainable 👍

@BeeDee-qs9so 19 күн бұрын

@@Anjure_Danjure5092My goodness, if one comment is enough to close the doors for you, please trust me when I say you shouldn’t be a business owner. Entrepreneurs are the people who dare to hold a big picture of a dream while being completely grounded in reality. You can start small. Business isn’t an all-or-nothing mindset. Learn everything you can while saving all the money you can. Talk to people! Don’t be foolish by going into debt. Dream big but start small. The climbing of a mountain begins with a single step. Remember that. 👍

@Anjure_Danjure5092 18 күн бұрын

@@BeeDee-qs9so sarcasm doesn't translate into text well

@steveclark5016 20 күн бұрын

What is Dave opinion of Phil Robertson living in a Manufactured Home?

@Demonizar 20 күн бұрын

Anyone else find some callers can be annoying as crud when they reply with exactly and absolutely and/or Correct when Dave and the team answer their questions with the most clear advice, it’s not exactly or absolutely until you do it so take the advice and say thank you so much is the ‘correct’ reply

@ThePolypam 19 күн бұрын

Omg this. Also, say thanks when they give you free stuff and not just silence or "OK".

@Demonizar 16 күн бұрын

@@ThePolypamthat language is sadly becoming a lost quality no matter the age these days, disgusting really.

@lbartbison 20 күн бұрын

Hey Ken, your impressions of farmers make us sound stupid. You probably don't mean to, but you really act like you think we aren't of value or are just too ignorant to get with the times. We're busy, we're hardworking, and we matter. I've heard this impression from you before. Maybe reflect on how you feel about those that sacrifice daily for their passion of agriculture. We love what we do. They are the reason you have food and clothing, but also why you have access to so much more, including in medical devices, shoes, construction materials, so much you don't think about daily.

@Trustbutverify2651 20 күн бұрын

I knew almost nothing about farming until my daughter moved to Iowa. Now I have a VERY HEALHTY respect for them - thank you for all you do!

@islandhopper100 20 күн бұрын

would sub except for the commercials...i pay a fee to youtube to not have to hear or see this tripe

@motoryzen 20 күн бұрын

Just because you pay for KZfaq red or KZfaq premium does not pay Ramsey Solutions when they wish to implement their own private commercials Now if you're talking about Google ads then you need to figure out some way to reach out to Google and flip the bird with their Ai and chew their @$$es

@willtacoma2ndgen661 20 күн бұрын

The lady with the doggy daycare good luck to you if you think someone is going to pay you 350k for a doggy business in this inflation market. Anyone who has that type of money will open their business from scratch. She's asking way too much for that business.

@Nigriff 20 күн бұрын

If you raise step 1 to $2,000, it would help people get ahead. It has been $1,000 for decades and things cost a lot more now.

@christopherhernandez3909 21 күн бұрын

first?

@Ferrero123 20 күн бұрын

OMG the amount of ads....

@user-gv4sv8bb5t 20 күн бұрын

Dave, I keep getting loans from online banks and they have never denied me. I have about 150 million dollars in loans now and I'm worried I might get in trouble when I can't pay it. Is this a good case for bankruptcy?

@breezybre2670 18 күн бұрын

Is Ken nuts????? Love the job??? How about loving the kids?? This mom doesn't need to work!!!!!! Or maybe it is the dad that doesn't need to work. Seriously!!! These kids will frow up sp fast Jennifer!!Just quit! These men don"t have a clue. I quit my career as an RN to be with my kids and I don't regret it for 1 second!!!!

@julieo330 17 күн бұрын

Geez Dave, chill. People are asking you for help and you are so condescending and just mean.

@jonathansa8567 21 күн бұрын

Mr. Dave My Way or No Way.....wow.

@mike112079 20 күн бұрын

That’s right!! 🙌🏾🙌🏾

@pamsmith1665 20 күн бұрын

He has earned having things his way..don't like, don't watch.

@jonathansa8567 20 күн бұрын

@pamsmith1665 I can say the same to you. Don't like, don't read! Guess your sense of free speech only applies to you...lololol

@avivrazon4252 20 күн бұрын

8% of $8,000 is $1,440, it’s not a Big Mac. Someone needs to help Dave out with the math. I’m not saying I like a credit card balance but just stick to the real math, geez.

@ThePolypam 19 күн бұрын

Do you understand hyperbole?

@avivrazon4252 19 күн бұрын

Yes I do but for some people $1400 is still money.

@CT-O 20 күн бұрын

Lol Ken you dork, everyone is still waiving inspections

@bettedavis9261 20 күн бұрын

No they're not. We sold my MIL's house last fall. We definitely had an inspection. Three houses on our block sold within this past year (two were last month)...they ALL had inspections.

@Trustbutverify2651 20 күн бұрын

@@bettedavis9261 100% - same here with selling my FIL's house!

@BeeDee-qs9so 20 күн бұрын

Not in my world…hugely irresponsible to not spend that money on possibly the largest purchase you will ever make. Those who waive inspections might very well be the same people who are phoning Dave Ramsey a year later expressing buyer’s remorse, deeply in house debt from unforeseen repairs.🤔

@Trustbutverify2651 20 күн бұрын

I think you might be the dork for making a blanket statement that is certainly NOT true everywhere for "everyone." It's mandatory in my state unless you specifically waive an inspection in writing bc inspections check for things that are against the state code and which a person must fix to sell the house.

@cheesecake-vb5st 20 күн бұрын

SIR, my house and 3 cars are paid for, have a bachelor & master's degree, yet, right now in my life I make $21,800 a year (sales) & I owe $20,000 in debt & $20,000 in attorney fees and bail bond fees for my son. SIR, I NEED MORE MONEY

@mackpainter7445 20 күн бұрын

Need more boundaries

@loucaribou7765 20 күн бұрын

Lol😂

@MONI-bj1ms 19 күн бұрын

Obviously sell 2 cars

@cheesecake-vb5st 19 күн бұрын

@@loucaribou7765 What's funny?

@loucaribou7765 19 күн бұрын

@@cheesecake-vb5st you're paying your son's bail bonds? I'm sure a doctor feel good and Dave would have a problem with that they'd probably call you an enabler

@mattlaeff724 18 күн бұрын

Ken just says the obvious and talks about nothing, every, single, time.

@caliopeknows844 20 күн бұрын

Isaac if you love your beautiful girlfriend as you say then don't make a prostitute out of her. Marry her. Be obedient to God's plan for marriage.

@AspergerGuy 20 күн бұрын

Why does Ken Coleman always look confused? He'd have more credibility if he didn't always look like a 2nd grader who was just asked to solve a calculus problem...

@Trustbutverify2651 20 күн бұрын

That's the look he gets when he's thinking. He's probably the best listener on the show and catches details others miss. I'm also not sure he realizes he is on video on KZfaq - he always looks and acts like he thinks he is only on the radio show (which he probably did for years before they started having the KZfaq channel.)