What Are You Doing To Reach Your Goals?
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- čas přidán 17. 04. 2023
- The Ramsey Show (April 18, 2023)
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The greatest gift my workaholic parents taught us 5 children was good work ethics for what we got.
I passed these work ethics on to our 2 children and our 2 grandsons.
I told them “ if anyone tells you life isn’t about working hard they’re lying to you.”
Before play time the kids all helped work in the flowerbeds with me and our daughter ( 10 at the time helped build above ground pools w her daddy during Oklahoma summer time🥵).
Now at 42 she owns her own beauty shop that she is buying from her mentor , the previous owner.
Besides the fact the Bible says hard work is a “ gift from God.” 10:29
It's so encouraging to hear you say "the only Way to true Financial Peace is to walk daily with the Prince of Peace, Christ Jesus". Thank you, Dave. I am your everyday millionaire, but money does not give me peace. Only my Savior, Lord, and best friend Christ Jesus.
Lol 😂
Money will make debt/government off your back.
I am an air force medical officer. appeal AF disqual. Their rules are old...and are in the process of changing. In the next 10 years, everyone will have a mental health flag in the future as mentally health awareness and diagnosis increase. At the same time I respect the stringent requirememts the AF has. My friend Flys a stealth bomber with nukes. No reason to believe otherwise, but I hope he is mentally resilient
My advice about kids as they get to be adults, is lead by example. Work hard, show them a budget, 401K savings, etc. My son is 23 and my little bird is off and doing well. Works full-time engineering job and two part-time jobs. We did that at that age too, he wants NO debt. Something I was never taught. He always had work ethic. He was mowing lawns at 16. Worked many part-time jobs to buy cars etc. He wants to work. We are blessed.
It's smart to buy a house you can afford on only one income. That's what my husband and I did. We anticipated that I would want to stay home with children once we had them (and we were right). This strategy also allows a couple to weather a situation where there is only one income for whatever reason in the future.
Yes we did as well. Live on one income. If at all possible. I do have to pay our property tax and auto insurance, though, but hubby handles everything else . It's liberating. If we down-sized he could handle it all, but I bought the home b4 we even met, and the home is perfect location so I don't want to move.
@@lesg5270no “I” in team 😉
I’m surprised the Air Force is turning down people since all branches have been not meeting quotas. But John is right and any military person would tel you to fight it. It’s a stubborn organization you can’t just take that one hit and not get back up
It is actually MEPS. The military has certain medical requirements. I just retired from active duty military health care last summer. She may have had inpatient stays which if a certain amount may be disqualifying.. She may be on certain medications. Certain medications will disqualify a person from flying such an benzodiazepines etc..There is more to the situation than what she is saying which is understandable.
If she's in ROTC it's DODMERB, I was disqualified for being diagnosed with auditory processing when I was 8. A dude I know was disqualified for kidney stones. I had to rebuttle to get back in and my leadership fought hard for me. Unfortunately a lot of good people don't make it past this step for dumb reasons.
@@isaiahmartinez2061 Yep. I am was more involved with psych in the military and I worked with med boards. I just know certain meds are no go especially if she cannot or will not stop taking them. Who knows her situation, but the aviation side especially plays no game with certain meds.
@@danielrn133 Yeah, I've known people who I currently serve with who's parents were Retired military who purposely never had them looked at for ADHD or things like that because they eventually wanted them to serve.
@@isaiahmartinez2061OMG. I was disqualified for kidney stones back in 99.
These mental health records are dangerous...why people are afraid to get help.
She gave to much information to the recruiters lol join the Marines we take everyone with a pulse 😂
One of my clients is an Air Force recruiter and told me that recently with the streamlining of digital medical records lots of people are getting denied for decade old childhood medical records that could have easily been disregarded before….
Yup.
Ouch! The interruption at 1:46! Ken is not even being subtle anymore about looking at the booth people when he gets interrupted. Ken gets it the most, but always handles it with class.
I didn’t think it was weird. Dave let Ken talk. Ever try to talk on a three way call? Way more choppy than this. These guys rock!
Caller: Buy duplex and living in half of it... I forget what it's called?..
Dave: its called stupid.
Instant brilliant response, right there
If you’re smart and you can make money off everything and you know what you’re doing by using your What God gave you meaning you come in since in your brain then go for it by all means remember everything that Dave says he’s not great great great advice. I repeat every single thing that he says is not graded vice by any means everyone be safe thank you.
It's called house hacking
@@statesoftheunited7049 lol
💯 schools should teach financial literacy course
"Doesn't know what duty is and hasn't answered the call" 😂
The Pythagorean Theorem is very useful. Maybe Dave was referring to the Quadratic Equation.❤️
FIGHT IT! just watching this episode now. You can fight the military's determinations. Spent years fighting the Army and the VA.
What was the point of Allison's call from Seattle. She's 44 and a baby steps millionaire and I have no idea what she is "worried" about. Pointless call.
Dave Ramsey was in a bit of a mood today
😂😂😂
It’s tax day, give uncle Dave a break. He has to pay all the taxes to support the unemployed.
@@davidb2206eat the poor
@@davidb2206 give give give gimme gimme gimme. Why doesn’t that “poor” person start a landscaping business and start knocking on doors? Why should it by my responsibility to find them and “give” them work.
Always is
Ken Coleman's professionalism and expertise shined brightly on this episode of The Ramsey Show. He demonstrated exceptional skill in guiding the conversation and keeping Dave Ramsey on tract. Ken's ability to actively listen and interject at just the right moments made for a truly engaging and informative show.
Throughout the episode, Ken showcased an impressive understanding of the subject matter and an unwavering commitment to helping listeners tackle their financial challenges. His calm demeanor and reassuring tone established a sense of trust and confidence that allowed the conversation to flow seamlessly.
Ken Coleman's performance on this episode of The Ramsey Show was nothing short of exemplary. His professionalism, expertise, and adroit handling of the conversation were truly outstanding. It's clear that he is a valuable asset to the show, and his contributions are deeply appreciated by both Dave Ramsey and the show's listeners.
Are you taking a writing class, sorjova? You submitted two long essays in the comments here today.
@@myoldvhstapes I ain't taking any writing class right now. Nonetheless, I am fully committed to honing my English language skills, being a non-native speaker and all. Let's face it, writing, speaking, and listening in English can be quite challenging, but I strongly believe that practice makes perfect.
To practice my skills, I leave comments on CZcams and other social media platforms. It's a low-stakes arena that allows me to practice my English without any pressure. Sure, I may make some mistakes along the way, but it's all part of the learning process, right?
My long-term objective is to become proficient enough in English to write more sophisticated texts and speak with confidence in high-stress public speaking situations. With consistent practice in a variety of settings, I am positive that I can achieve this goal!
@@sorvoja: Thanks for the explanation. Well done!
Ok, Ken.
I love Ken 😊
Love love the Ramsey team!
This happened to a friend of mine she can rebuttle but it's gonna be really tough unless her leadership fights for her.
Yeah, we rode in the back ledge. But when I got too big, I curled up in the floor with my head on the driveshaft tunnel. A 7yo kid could do that in a 22 foot Mercury.
Dave 😊 more
Good for Georgia re high school requirement. How much is Foundations class if you want to donate to your high school?
To the caller in Kansas city. I'm also in KC there are so many places desperate for workers. Factories have entry level positions that pay better than Uber eats. All shifts. If you need some reccomendations reach out. I'm currently juggling 2 jobs and regularly have others contacting me. Having connections is super important.
What is the name of that music that they played during the break? I just love that so much anybody know?
Every step of a righteous man is orders by YAH
Seattle house person you need to sale and move take the cash and move to like TX, bc electrician you can make more $ and cost of living is 1/3
I'm still trying to figure out what Sway from KC's question is. All over the place
What do you think about Timothy Ward's advice?? 🤔
The irony of Ramsey being sponsored by a monument of American consumerism (Pods Storage)
The time to comment on that was seven months ago.
In their defense, it's a moving company for beds, sofas, dressers and other non-consumables😉
1st caller should try Navy or Marine Corps. They are much more likely to consider waiver for MH for commission and pilot.... astronaut is still a possibility then too.
I could still see Dave YAWN during Taylor & Melanie debt free scream even though he did not open his mouth this time ... Bless you Uncle Dave 🥱🤣🤣😆
48:00 Real estate prices going up 10% a year for 21 years straight is really unlikely. That's way over historical averages. Just something to remember.
I'm trying to figure out the point of Allison in Seattle's call. She didn't seem to believe anything Dave told her. I think she should switch to TikTok and follow a house hacking plan, as she appeared to think that sounded like that was a good way to build wealth.
I was literally thinking the same thing
All the Ramsey personalities have unique strengths, but Ken really is in a league of his own.
I love Ken!
Challenge that diagnosis. She can definitely be a pilot doesn't even have to leave the Air Force.
Air Force can be tough to get into!
When is Dave going to be a Co-Host?
He has done it a few times .
1:58:00 you can work too honey! 😊
The girl who wants to be an astronaut should contact Elon Musk
Living with relatives isn’t necessarily bad if it’s being used to set up children for financial success. If your children are hard working and saving/investing, then invest in them
Yes i told my daughter that
Chicago 😦 NC some day?
❤ it just a house
1:18 👏🏽👏🏽👏🏽👏🏽
Home prices can always come down in a recession, and 91% of CEO’s expect a recession at the end of 2023
They expected a recession in 2022 too
Peter lynch and Micheal berry have predicted 27 of the last 2 recessions.
Followed his plan since 2007. Am completely debt free with 200k in savings. But ... own no home and minimal retirement. Didn't buy a home because he said pay cash or no more than 25% of net income on a 15 year note. So, I figured I'd just save for 10 years and pay cash. Now on year 16 and savings are just 30% of typical modest house values here in the west. Should've bought because my rent over 16 years is much much more than what I would have paid in interest. Plus then there's the equity. Could've sold now and paid cheap to retire in West Virginia and have a ton of savings. But no ... I followed the Ramsey plan.
@@anthonyrippa686Yeah, the Ramsey plan is really only good for people with big incomes. More modest incomes need every advantage they can get, like house equity. Now is probably as good a time to buy a house any.
My husband is working at a job earning about 60k for a family of 7. We're struggling. Daycare is too expensive for 3 kids for me to think of working. 4 weeks rotating days and nights for him in a jail. He's ready to leave but we cant match the income. Thoughts?
It is not tech jobs in large numbers for layoffs there's a pork producer laying off 1,000 people in southwest Minnesota David's Bridal laid off 9,000 people yesterday 17 Burger Kings closed in Detroit..McDonald's at least 600..more coming...... those are just to name a few
By American standards those are not large numbers
Dang Dave seems on edge today...must be due to tax day.
Hahaha he is!
Dave Ramsey for US President 2024 🇺🇸
No
Nah. Too much on about god and what not.
I called bs on the caller with the side hustle
There's actually a profit in selling stuff to handicap people (mostly covered by state aid& medicare). A lot of people are staying out of long-term care facilities with access to handicap vehicles. (Ps those vehicles are extremely expensive!)
Not making the AF pilot program is not the end of the world 😢. Then try joining other branches
I have a question? If you usually pay your car insurance on a monthly basis would it be a good idea to pay it in full to liberate another monthly payment? Any suggestions?
If they offer a discount for paying in full I don't think it would be a bad idea but not every insurance company does.
@@wwhite2958 companies that offer “paid in full discounts” can be misleading. If you choose to pay monthly, they are charging fees for financing the policy. Most mutual insurance companies don’t offer paid in full discounts because they aren’t owned by stockholders.
@@davidb2206you don't get a paper or email bill to avoid that problem?
Paying in full usually saves, just put money aside every month to cover the next lump sum (my insurance does discount for 6 months at a time).
28:00 The caller needs to pay and claim 1/3 of property tax and mortgage interest.
It’s crazy again no one will listen to anyone and it doesn’t matter who you are you can’t win this one with anyone is crazy
You guys did not ask pertinent questions about the value of the parents home etc...
If she was misdiagnosed at age 11, she definitely needs to appeal the medical discharge. Sue. The military as well as the psychologist that misdiagnosed.
2nd caller just wanted to brag. Stop letting these calls through.
I got that impression too, and I think Dave picked up on it. He shut it down relatively quickly, despite him getting the benefit of the doubt because this is being broadcast to millions of people and it would look bad to shut him down without at least hearing him out
😂
The call screeners need to be better at discerning the caller's intent. Unless, of course, the caller flat out lies about what they're calling about.
My first thought about the 2nd caller....was that he is using his 6 figure job to get referrals for the side hustle....which is technically soliciting. I couldn't figure out why he'd keep that full time job if he's making almost triple on the side hustle...there are call ins with real problems that need to be talking. Not this guy. I agree the screeners should've done a better job....but maybe he wasn't honest with them about why he was calling either.
@@tobyhams and he was full if crap. He isn’t making mobility vans by himself and making that kind of cash.
Rando question: where is Kristina Ellis?
She's gone
She left last week
@@conniehull8390 how did she make Rachel look bad? I must have missed something.
@@sXePunkV2 Really I thought she was great very genuine .. I did think she will get a major network calling
I keep hearing that K-12 doesn't teach financial literacy, but disagree. In Preschool and kindergarten they make sure you know all your numbers, and in first grade they start into simple arithmetic -- addition and subtraction. So, by second grade an average student has the fundamentals mastered. From there you advance into bigger numbers and learn to carry. Word problems are designed to to teach critical thinking. They should be written something like this:
Mom gave Suzy two cookies for chores. Then Grandma gave her four just because! How many cookies does she have?
Suzy had six cookies, then her mean brothers Todd and Alex each grabbed two cookies and licked them. Now how many cookies is she shielding with her whole body?
At some point all Suzy has to do, in her mind, is exchange Mom and Grandma for employers, cookies for dollars, and GMAC and MC for Todd and Alex. Then realize that dollars aren't cookies, but you can only buy cookies and pay the rent with the dollars left over.
She coukd still be an astronaut. Probably not for nasa but plenty of private firms on their way to space...
Why didn’t the guy roll over his 401k so it’s just in one account and he didn’t have to add to it ?
“Training” for airforce lol
Look forward to the financial calls but there’s too many career and life stories coming through lately. Don’t these cohost have their own shows to direct these calls to? Still a newer listener. Maybe this is how it’s always been but all the cohosts getting their own shows should cut these calls out of the Ramsey show
But listen to what Dave says in the intro nowadays. He says "do work that they love, and create amazing relationships" as what they help people with.
She’s going to be hard pressed to find a provider to sign off on her FAA exam even to be a commercial pilot. Dave and homeboy don’t know what they are talking about on this one.
You can get waivers for literally everything in the military. You should fight harder to get the waiver.
There is no labor shortage Dave just too many jobs
That poor lady wanted to be in the USAF and they rejected her but they'll commission all sorts of officers with gender dysphoria. Very sad. Then again why would you want to serve in the military these days?
900k$ is a six figure income. Just sayin.
what ever you do ...do not join the military....
Followed his plan since 2007. Am completely debt free with 200k in savings. But ... own no home and minimal retirement. Didn't buy a home because he said pay cash or no more than 25% of net income on a 15 year note. So, I figured I'd just save for 10 years and pay cash. Now on year 16 and savings are just 30% of typical modest house values here in the west. Should've bought because my rent over 16 years is much much more than what I would have paid in interest. Plus then there's the equity. Could've sold now and paid cheap to retire in West Virginia and have a ton of savings. But no ... I followed the Ramsey plan.
Sounds like you live in an expensive area. You might see if you can keep your job but transfer to a cheaper area. That's what I did; same pay, but in an area with half the cost of living. I was able to afford a house, and should be able to pay it off early, and it's already grown quite a bit in equity. There's no shame in moving away from your expensive hometown and coming back later when it's something you can afford.
Have you followed the part about increasing your income and career? I saved up cash and bought a house with it - it definitely didn’t take me 10 yrs and have only 200k in savings
Renting temporarily also avoids property taxes, maintenance and repairs, so don't just look at the monthly rent.
Love this idea think I will save for a house for 15 years since I live in a mobile home and don't have rent. I just need to increase my income to have more in savings.
What happened to Kristina?
She was worthless?
She left.
@@myoldvhstapes *fired
Kristina Ellis is a remarkable woman who has made invaluable contributions to The Ramsey Show. Her expertise, dedication, and passion have helped countless listeners and viewers navigate financial challenges and make positive changes in their lives.
It is understandable to feel a sense of loss at her departure from the show, as she has been an important part of its success. However, change is a natural part of life, and Kristina is likely moving on to exciting new opportunities that will allow her to continue to excel and make a positive impact on the world.
Despite her departure, Kristina's influence will continue to be felt by those who have had the pleasure of working with her or hearing her advice. She is an inspiration to many, and her strength, perseverance, and positivity are truly admirable.
We wish Kristina all the best in her future endeavours, and have no doubt that she will continue to be a shining example of excellence and inspiration to those around her. Her contributions to The Ramsey Show will be deeply missed.
sorvoja, do you work for Ramsey?
Lady calling in doesn't even know she's a millionaire 🙄
His side hustle wont continue to grow at 30% lol. But yea he should resign and pursue it
Dave Ramsey may have good advice and knowledge, but dang he can be a jerk a lot!
I can’t look at Ken Coleman any more since I watched him pick his teeth extensively on camera a few weeks ago. Fortunately I don’t need career advice. Won’t be watching today.
I just with Mr. Dave Ramsey would have the professionalism to at least explain to people what happened to I simply a few you could’ve said a few words on behalf of Christina alice about her departure instead, he says absolutely nothing nothing nothing nothing there in my opinion is totally unprofessional. Oh well life goes on if you wanna have a great day.
Disliked due to letting the show off second caller through