Today's Lesson: Stop Taking Out Loans | July 25, 2024
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- čas přidán 6. 09. 2024
- The Ramsey Show (July 25, 2024)
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Dr. John Delony & Jade Warshaw answer your questions and discuss:
- "Is it worth it to move for better schools?"
- "How do I get over resenting my husband?"
- "Can we upgrade our house?"
- "My in-laws want to give my daughter $10k for a car,"
- "I'm behind on my mortgage, am I bankrupt?"
- "Despite my success, I feel lonely and depressed"
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My heart absolutely breaks for this farmer. I cannot imagine being in this position. Farming is SO HARD! There is little to no help and so many people are against them. Praying for a miracle for this man and his family.
The call destroyed me. "This isn't what I do, it's who I am."
As a liberal commie, I will say this is despicable. Our farmers deserve so much better. These are generational farmers who are struggling and our government, from right to left, has failed them!
The left/uniparty are shutting down farms; they want us reliant on big gov.
These two co-host together so well. Very respectful. Great show!!
I enjoy them when Dave isn’t on
The kindness in the advice for the farmer is heartfelt. I'm with John here, much better to sell the kit than get a banker in a shiny suit from New York walking down the driveway asking for the keys.
“You can choose misery or you can choose joy” YES!!! 🔥🔥🔥
FANTASTIC show today. Praying for Adam that he can find a solution that allows him to keep this generational family land. That situation broke my heart but I hope he chooses peace over his ego. ❤
So true what you said at the end it’s more important 😊
The call with the farmer, it should be pointed out that he said in the beginning when he inherited the farm in 2015, it was unsustainable as his dad had it. He was given a failing project and he kept it alive for almost another decade. He did his best and should not feel shameful about failing to save a doomed farm.
My heart still goes out to you Adam!
Can’t understand why people call this show and then argue with the advice they’re given. And, not know their budget.
They want validation for their way.
That caller was so frustrating.
Like girl, if you're draining all your money during a furlough (not a layoff), you obviously do not have everything figured out.
You called them, they didn't call you. 😂
Listen to the advice and be open to change.
Thank you for being respectful to Adam and ok with radio silence. It was sensitive to sit with him in his suffering.
Praying for the farmer to keep his land 🙏
As a dairy farmer, Adam’s call actually made me cry. Broke me down, hard.
Adam, have you tried to refinance through USDA? Work with your local USDA department, reach out to local environmental groups. Maybe try to sell the land rights so you still own it.
Praying for you and your family.
They have me cracking up this episode 😆. The first few calls were comedy with the callers responses
Tired of these broke people calling saying "i cant work because I homeschooling my kids". Ladies, homeschooling is a privilege not a right. If you cant survive in Fargo, ND then you need to get to work!
I agree. There are excellent public and charter school. Homeschooling has its place but it’s good to keep your kids out of the bubble and socialize, regulate and problem solve with others.
Jade, I’m so jazzed. Last episode that you were in I made a negative comment but today you were amazing. Thank you for letting lose and being yourself. I feel like your personality shown bright and the episode was amazing. Great work!
Her and John are great together!
I think it all depends on who the cohost is. Some of them mesh very well together.
Finally a show with Delony where he is helpful and not just overstepping lol
When i got my new dog, i talked to my vet about it. His suggestion was, if you have any pets, make emergency fund for them of one major operation worth (about amount, you never know for sure, but it's much easier to find the extra)+ one year of what you would estimate their average yearly care bill would be as sinking fund. It takes time, but his experience with insurances was, that should your animal need even a small operation, they hike the monthly fee up a lot and you pay premium of same amount a year as the emergency operation when in most cases, your dogs will have 1 or 2 major problems in their whole life.
I'm so sorry for both you and your neighbor. This is hard to go through.
@John: "No one is responsible for that kind of thing happening"? YES! The owner of the Belgian Malinois IS responsible. Their dog jumped the fence, hence no control over the dog. Unless dog laws are different in the state that this happened the law in where I live is: "All dogs must be under control. This means that when your dog is not on your property, it must be under reasonable control of you or a handler. The best way to control your dog is with a leash. Remember, dogs are personal property."
Don't let them take your land, sell assets to pay the loan. Start over with what works. Good luck and God bless. 🙏
This is shallow but I love the earrings Jade wears.🤭🤭
I love her nails always!
Lol liking something isn't shallow
No shallow at all :) you can admire something without it being shallow :)
As a veterinarian, I always recommend that a pet parent have either $15,000 in an emergency fund (per pet) or pet insurance. Sometimes, I recommend more if they have a pet that is known to need a lot of vet care throughout their life, like French bull dogs.
What I learned today. Be careful making promises you can not afford to keep.
How about getting financially stable while making the big bucks & then move?
Thank you Jade and John for your wise counsel.
Once you decide to move you can go anywhere. Make sure to decide carefully where you go
Love this episode. God bless you 🙏
It’s not often I stop in my tracks and focus intently on these calls but darnit John you got me on that first one.
First caller literally said he was broke but was making good money. No financial advice was given only emotional advice. Where is Dave at?
He didn't want money advice! He wanted to spin, and laugh, and not listen, and hear his own voice!
@@kellibuzzard9431yep. Just a little yakker with something to bitch about. Oh, poor you making 42. How miserable. 🙄
@@kellibuzzard9431😂
Listen listen listen. Tell me what you feel. No no no no no. Listen. Tell me what you feel.
You are missing the point this had zero to do with money. Read in between the lines. The guy said he wasn’t happy. Zero to do with money.
Nothing to do in Seattle??? I live here. It is recreational paradise. Mountains, ocean, camping, hiking, fishing, culture, sports… etc. Summertime in Seattle is the best place on earth.
I know my opinions are not needed. But, omG , what an improvement in letting each take a turn to speak and in a nice way! Thank you, Now I am able to really enjoy the talks. Children play nice in the sandbox. Thank you, Jade n John.
There are government programs to help farms in distress. I'm not saying it's a sure thing, but there is federal grant money to save farms available. Our family had to ask for help on a chicken house farm. It saved it. Call your local AG South bank, and your local congressmen.
Holy smokes! 1:37:00 Adam's story hurts so much! I'm a self-proclaimed liberal nutjob who knows the impact of corporatism and it HURTS to hear his story.
This is wrong! This is not who America is. These corporations are destroying our farmers, not just their livelihood, but their entire lives!
I'm praying for you, Adam! The United States of America owes you so much! Stay strong!
"Self-proclaimed liberal nutjob" lmao the balls to say that out loud and PROUD 😂😂
I had a 24k pet bill for my cat that got cancer. Fortunately, I have pet insurance. The reason I always carry pet insurance is because I never want to be in the position to have to say to my pet- I do not have the money to help you. That's something one would have to live with the rest of their life. Some people would find that very difficult. Just my thoughts.❤
Love when Jade brings God into the convo!!!😍🩷❤️ So amazing seeing people with a high following talk about the Lord. Thank you Jade!
Love the way he channels The Humpty Dumpty dance and Digital Underground before the Knoxville call
First caller will never be happy until he learns to stop the "yeah but"
I dont even have health insurance, much less my pet.
I do not use credit cards anymore. But recently I was talking to someone about theirs and they made an argument I honestly didn’t have a rebuttal. “I was in Jamaca and the hurricane was coming the next day, we had to cancel our vacation and luckily found a flight out”. I said, well did you get a refund for your trip? He said “ I will. I used my credit card. Most credit cards have automatic travel insurance”. A) is this true ( I do believe I have heard this before b) do debit cards do this? Because now I’m kinda like… why pay for travel insurance if CC give it to ya free?
Pets are some people's children. When my dog was attacked by the neighbors dog it was the most terrifying thing ever.
Yes! Pets are babies too. Remember that road sign? So sad they had to post that as so many people were abandoning their fur babies 😢
That was giving sell the horse energy
Awesome Explanation of Retirement investing! Thank You Jade 🌟
Two things
The Federal not just military 401k is called a TSP.
Second:
The farmer that called. This was a deep call, Dr.John paused after 1:39 time and unfortunately Jade spoke. The pause is a pause necessary. A pause is powerful. I really wanted to hear the farmers reply after Dr.John asked him. I wanted to hear what was going through his mind.
This call was. Professional Therapy call where only Dr.John can handle this.
That first caller advice was un-Dave like😂 telling him to disregard money and move right away for feelings? Kids can’t wait 6 months?? Dave says to eat rice and beans, work 3 jobs, just to get out of debt
❤ these 2 are my favorites ❤
When John sings he sound like the creepy old guy from the Simpson.😅
I like John, what is everyone’s issue with him?
Me too. He is honest but kind. It’s a hard balance sometimes ❤
Dr. John is the BEST!!! ❤
He is a good guy. They all are. But he dominates his co-hosts and takes more time on psychobable than hearing the callers' financial issues. 🙄
He is incompetent. Hence, working at Ramsey instead of being a therapist or professor. Every caller gets the same canned advice, because he doesn’t listen, but makes false assumptions every. Single. Time. Any mental health professional knows you can’t make assumptions from a 5 min phone call, so don’t. At best, telling them to seek counseling is all he is qualified to say.
@@kygirl032006 Dr. John is NOT incompetent which is why he’s so successful at what he does and the most popular personality. He also has saved countless lives so no he doesn’t just tell people to seek therapy, he gives real life practical advice and solutions. In fact, his content pulled me out of the darkest depression of my life and has gotten me into the best mental health I’ve ever been at. John is amazing! ❤️
Adam my heart goes out to you. 🙏🏼🙏🏼🙏🏼
The first guy should have called a therapist instead. He is a complete mess.
Daniel from NYC should have called Dr. John's show. Don't understand why the schedulers had him on this show. 2:01:00.
John’s show is WAY deeper than that surface call. I mean we are talking extreme trauma like SA calls, physical abuse and anger outburst, bf gave me herpes, 8 year old found my husband kissing another woman, etc. his topics are much deeper than the call with Daniel.
Why can't Kat sell the house and downsize? Her cousin can still live with her in a smaller house and she can fulfill her promise.
Yeah I wish jade would of not been so nonchalant about that situation.. that lady should of never bought that place.
Personally I do buy pet insurance. its around £12 a month( I live in England) and its worth the peace of mind. A colleague of mine had a dog that ate a sock! It cost over £4000 to have it surgically removed. The dog would have died without the surgery. As humans we have medical insurance so I don't see the difference in buying it for our pets. Unless you have savings to cover pet emergencies.
Belgian Malinois is like a fancy German Shepherd that’s more hyperactive… prayers up to the caller who lost their dog 😢… so sad. When our Sheltie got bladder cancer he was on chemo and treatments that made him very irritable. At the dog park an unleashed dog ran up to him and there was a growling match and some lunging btwn the 2… no injuries but it made us much more careful when out with our dogs. I can understand her apprehension ❤
As a German Shepherd owner, I think German Shepherds are fancier. 😁 But yes, Belgian Malinois are also very good dogs. It takes me hours to tire out my German Shepherd, I can't imagine having a Belgian Malinois. High maintenance dogs are a big responsibility. Sorry about your dog btw.
They're as bad as Pitbulls. People think they can just get any dog they want but don't think about things like their Belgian Malinois can scale 10ft brick walls!
Can anyone tell me the name of the soundtrack at 51:00? It is so amazing.🤩 thank you and greetings from Luxembourg
The Thief in Marrakesh
Yes I love it too ❤️🎉
@@Amiga247thank you soo much, on repeat for sure today 😂 have a lovely Friday
First caller, I make $30/h as a house cleaner. Move to Tennessee, you will be just fine
When people call for advice just to push back on it 🤷🏽♂️🤣
Seattle is a great city! if you're bored, it's on you it's sound like you're just an unhappy person wherever you go.
Maybe he doesn't like all the DAMN liberals in Washington state 😂
Horses for courses. Maybe he loves horses. Or country music
Nature is incredible in the NW. I won’t let political differences control me.
$42/hr in Seattle doesn't go very far, esp if you're the only bread winner for a spouse and kids. Our minimum wage is $20/hr here. $42/hr is FINE but he keeps bragging about his wage like he's living like a king. He seems so miserable in general.
It's not what it was. Sadly. I live up the road. It used to be world-class. 😢
Go Jade🎉🎉🎉🎉❤. You’re tough coach
Pet insurance, especially when you have multiple dogs, is a life saver. We have used it multiple times for small and large accidents and it has saved us thousands for only a few dollars a month. For example, my dog had a severe allergic reaction that ended up looking like an obstruction because of how inflamed his GI tract was. Ultrasounds, pain meds, and consultations later his bill was $6,000+. We paid $600. We fund emergency funds for deductibles and copays for their pet insurance but it’s necessary.
I understand the perspective but you should definitely check the math.
John has such a god-complex.
I think I know why the first caller is so miserable. He has to live with himself and his crappy attitude. I lost count of the number of times he said different things were "crappy." Dr. John was correct...if that guy moves, he'll go with him (and his crappy attitude).
To the first caller afraid to move to TN because he'll make less money... dude, there are baby step millionaires in Tennessee too!
Jade is a cool character, but my mind melts during every one of her explaining binges. Preserve us.
My goal in life was to be a stay at home mom but you married and had babies with a person who is trying to achieve his goals instead of getting with someone already stable. Why have multiple kids if that’s the case. If she holds on to resentment she will not be a stay at home mom but a single mom with a full time job.
Why can't this app be available in the UK 😢🇬🇧
proprietary concerns and laws
Theres alot wrong with the lady from Fargo,ND.
Her husband makes $ 45 an hour. Thats $1800 a week for 40hrs or $2475 for 50hrs.
Take 20% taxes, medicare and social security thats $1440 net for 40hrs.
25% for taxes, medicare, a SS on the 50hrs and thats $1856 a week.
$1440 for 49 weeks because he's off 3wks a year without pay comes to $70,560 and $90,944 for 50hrs a week.
If shes able to budget $300 a week for savings which is $14,700 then there is no reason they should be struggling.
Something else is going on and they never go into the details of it.
$14,700 should certainly cover those 3wks he's without work during the year.
This is why they need to run reruns on Friday when Dave doesn't work
The farmer didn't fail his family, his family failed him, I bet that farm has been spiraling for 60 years, he's just the first one to care.
I’m glad to hear John on the air without him sounding wasted.
She's on a fixed income, but they never asked about her income and expenses.
Iam just waiting for Racheal clothing line, we need woman fashion on this show.. she has so much class!
She has mentioned Amazon as her go to
1:35:00 As someone who Iives in a 2br apt I’m like…
Sorry but I don’t like the the scenario that John made to that one person about about the marriage when he was married already and he wasn’t going through a divorce or anything. Why did you John make that scenario that was not understandable and good for this situation? The guy moving to Tennessee.
00p
That farmer…that’s a tough pill to swallow where you took over the family legacy of over 100 years and it went downhill. Thats a lotttt of acres. 😢 and those investors may turn that land into a real estate development or something. I wonder what he saw wrong in the way his dad was doing it to make the change to take out of debt.
I would’ve sell some of those acres. To get the money. I couldn’t give all my land away.
Also why is it literally Yellowstone
So some lady has her dog mauled to death and Delony shows up with a Belgian waffle joke? Lol. Hey at least we made it through an episode without him talking about his hemorrhoids.
Escaping the soviet republic of Washington state would be a good plan. I have a customer that escaped California and moved to Tennessee. LOVES IT!!! Overall, this is not a "call into a radio show" question. It's a "get on your knees" question. I don't know the future, but I know who does. There's no such thing as a good public school. Some aren't quite so bad as others.
❤❤❤❤❤
IRA.....Individual Retirement Account
Caller #1: a man with a problem for every solution...
Come on doc, skip the metaphors and just straight talk.
Worst advice ever for the 1st caller. John you have no idea what his finances look like. What if hes so upside down on his bills he can't afford to move there. Show him first steps first. Clear your debt and then move. You'll never be happy if you're so under water, drowning in debt you can live. He's been there he knows that. Sounds to me that's why he can't pull the trigger.
All these stay-at-home Moms always have financial issues. Wonder why? Human beings are made to work. "Home schooling" your children should not be an excuse not to work.
This episode was kind of irritating and gave me a few eyebrow raises on my way home. John Deloney felt a bit off like he drank a full monster energy right before this and telling the Wife who put her husband through school "stupid" for feeling resentful is so weird. There's is a difference between podcasts hosts being comfortable vs. careless.
Definitely too amped! He was a turnoff today and I usually love him!
@@curlsncoilsnwaves7324 Dr. John was nothing but direct. At the same time, still the same kind, compassionate, and loving human he always is. Just take the call with Adam for example. You could hear Delony getting choked up talking to that guy because he was at a loss at how to help him not lose his family land.
Is John on ‘something’?
John lives on the planet of reality, what's wrong with that? What are you on? Denial?
@@badlands9100 Reality is not a planet, and it isn't even something that contains America.
The 1.1m guy was 60 so its not "borrowing at 30%" anymore right? Just using the retirement you've saved all these years to pay off 30k and you still have 1.07m and no debt 🤔
Correct. You are not borrowing . You are taking a distribution that is taxed at your normal tax rate unless it’s from a Roth - then no taxes owed at all. Jeez. 30%. No.
home insurance is about as fringe as pet insurance for how often a freak accident actually happens that they cover and car insurance wouldn't cost nearly what It does if not for ridiculously high prices of healthcare
Guess you’ve never have a flood in your home.
Pet insurance and homeowners insurance doesn’t even compare……….🤔
@eldon80 im talking about the frequency of something happening that's covered by them not the importance of what they're covering lol
@@LilTex0825 nope
@@harrizona_268 They both need to be weighed. You can't talk about one and not t'other.
You sound miserable it's not all about the money it's just a choice to be happy or miserable.
let me see if I understand this. A man calls in who's unhappy because of the state that he is in and wants to move. He might make less money but that's OK because this is the right thing to do. Dave would have said you know maybe you can make more. But John asks if he grew up without a lot of money. every decision does not come because of your childhood. His decision came because he and his wife are not happy with the schools, the politics, and the cost of living. Even if he had grown up wealthy, I think he would feel the same way.
i'm finished. I am no longer listening to John or George. George is a snob. Ken is great when he talks about jobs and I don't think I've ever heard better advice from anyone about finding a job and everything else that's involved with working. Dave of course is the bomb and I love Rachel because she's Dave. Jade is fine except she keeps interrupting with her little yeses and nos and uhuhs which is distracting but she gives good advice. This man did not need counseling.
You don’t understand this so let me break it down for you. Dr. John asked him because he views his worth through money, he doesn’t see that he has innate value just because. That’s what Dr. John was trying to convey to him. That there is so much more worth he has. Mike is a dad, and husband but he clings so tight in to this money because that’s where he got his worth and achievement from as a kid. You heard Dr. John nailed it on the head to. He didn’t grow up with money and so now he’s chasing it. What you see is the surface level, and John as the trained counselor sees WAY deeper!
Listen to 4:20-4:50.
Anyone who thinks moving states helps those problems is in DESPERATE need of counselling.
Where's Dave? No more tweedle-dee and tweedle-dum 😂
No, keep the male ego when it comes to finances, you guys should be the pillar of the house to get the respect as such
Where the heck is Dave! This is Dreck -
They need to look hard at that pet insurance math - it saved me a fortune over the years with my dog
Alot of people swear by pet insurance. Not a bad option
Pet insurance is a must.
I don't see how the algorithm shows that it's the same as when he's on when he's off but this show sucks about that
Be a responsible adult, stick to a written budget, use credit cards for all expenses and get 2-5 percent cash back, pay off the balance weekly, never pay a dime of interest, and invest all the cash back.
Assuming $40 a month in rewards, invested over 30 years at a conservative (according to dave) 10% return, thats just over 90k sitting in an account from literally free money.
Assuming daves 12% return that he always talks about, that would total out to 140k
Mr. Deloney took the Lord's name in vain, and I understand that's a normal thing to do... but the only reason I watch this show is for the clean language, which is so hard to find in entertainment. PLEASE do not mess this up. 😩🙏🙏 I know other viewers agree.
Yes 100% agree with that! Exodus 20:7 please read it!
Thank you for your work; giving advice to so many hurting out there! Listen to the show daily!
Agreed
I wouldn't fret over such a little thing. Its 100% a family friendly show that teaches and advocates good life lessons.
Why did they not even ask for the financial details of the first caller? Imstead they're prattling on about sky daddy?!
Edit: Amanda is a perfect example of using god as an excuse to have your family live in dire straights
Dr John is being a dick today
John has aged. Plz take care of yourself. He is so wired 🙏
I would never not have pet insurance. It is not just about freak accidents. Pets also get sick and yes have accidents like humans. I know people that have had to foot bills of over 20k for their pets. Because of the breed being prone to bad hips or bad teeth. Pet insurance is worth every penny.
Correction. Unless I had a very decent emergency fund. Then maybe I might get rid of it.
I wish I would have gotten pet insurance when my dogs were younger. Now that they're older with diagnosed health conditions it's kinda outrageous
@@bribradt3450I had pet insurance for my dog. When he died in old age of a heart condition, the company made me keep paying premiums until the end if that year to get their money back on the discounted services.
With my new dog, I'm building an emergency fund for him.
She can’t afford $30 a month. How about $5 a week a dog? Or 5 a week? Something would be better than nothing just to keep up with normal vet visits.
@@angelamastandrea1787 yeah I get she can't afford it. I was saying it more in disagreement with Jade and John.
Not fan of this guy he's probably the worst
“Gifts come from God whether you believe in him or not.” Yikes, that was terrible and I’m a Christian.
Why was that terrible?
@@kaylieanne7927 Because gifts don’t come from God if you don’t believe in God. That’s a BELIEF, not a proven fact. What she said is why people don’t like religions.
Where’s Dave ? Kinda tired of everyone else