No One Accidentally Wanders Into the Land of Success | June 25, 2024

The Ramsey Show (June 25, 2024)

Dave Ramsey & George Kamel answer your questions and discuss:
- "How do I stop my mom from taking my grandma's money?"
- Why no one accidentally wanders into success,
- "I'm jealous of my friends who don't have student loans,"
- Dave weighs in on a previous call that George & Jade took,
- "Is the American Dream still possible?"

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[dianna]

There was a call a few months back from a woman who was over 70 asking if she should keep some of her money in CD’s or invest like Ramsey indicates. Dave took that call and told her to keep that money in CD’s as it gives her peace of mind. It was the perfect advice for that particular situation. I don’t know if that would’ve been the advice given by the other personalities. I wish that Dave would have one more personality in the rotation who was older (above 55) and female to offer another perspective. I will say that I appreciate that George was concerned about the backlash he got. It tells me that it bothered him enough that he wanted to find out if he said the right thing and/or what he could have said differently. Kudos to him!

[reneespring]

In George’s defense, the call about the 86 yr old was a tough one. The personalities do need to up their game on elder finance issues. But true story here from my life, my 86 yr old mother has a paid companion who is 84 and still drives and very alert. My mom has Alzheimer’s and this sweet lady takes her to hair appt weekly and occasionally to the senior center to socialize. We pay the 84 yr old helper $28/hr. She is also a single lady in her own home, paying all her own bills on a fixed income. She also works for a family with a severely handicapped child, when they go out she cares for child.
I really like how the show revisited the call, they should do this more often. Not to downgrade the personalities, but just to expand the solutions so we can all learn from them.
We love you George!

[rhodoralopez]

George: "I heard Grandma, broke, work" 😊. Glad to hear Dave defend George & his cohosts. They're there everyday trying to help people, they don't get it right everytime. Trolls are sitting at their screens with their opinions. We're all just trying to get through life, let's give each other grace. I'm pretty confident Dave followed up with the caller with sensible advice.😊

[nurse.brittykitty]

George’s “she’s the Queen and we’re the sorry people” line had me spitting out my coffee this morning. The look on that kid’s face when he says that lives totally rent free in my head these days 😂😂

“Bacon, is good for me!!”

[sarahc]

I love the debt free screamers visual goal of the amortisation schedule being printed out and placed on the back of the door and their desire to pay it down! And it only took 4 years awesome! Nabbing this idea.

We only had tiny $2.5k debt but it hung around like a bad smell.
Deadline to be gone was June 30. It was gone almost 1 month early 🙌.
We did a mini debt free scream.

My husband lost his job 2 months ago too.
We know God is blessing the side hustle biz turned full time biz and it's winter in Aus.
Right at that time too when everything seemed like it was going south ... our daughter needed a $3k surgery (paid privately) and my car needed repairs $3k later, we have afforded it all and paid ourselves a wage. Plus, our relationship is further strengthened.

In this short time I found Dave Ramsey. And love the stories and motivation and to dream up our life without lingering debt, so glad we have this example.

We have been blessed upon blessed upon blessed, Praise God!
Thank you Dave!

Next debt to tackle is our mortgage.

[takemeback]

Man the debt free screams really bring back the old days of Ramsey. Miss this

[MHOFF]

Amazing show !! Loved all the debt free screams and advice! Thank you Papa Dave for addressing the previous call from the 86 year old. woman and for giving George and Jade credit for trying to help her!👏👏👏👏👏😀

[glennclark]

Can I still say that's why Dave should be there

[sallyprzybil]

Dave is correct. The 86 y/o should just destroy her credit cards and default. Seniors income is legally protected and there’s actually nothing they can do about it. Searching for some kind of added income is a great idea too. Will the kids chip in a bit monthly? Even $50 to $100 a month will help her. A renter renting a room is a great idea too. She’s in a hard spot. Too many seniors are having financial issues.

[caitiecook]

I listen to one or more of these each night on my night shift to keep me motivated in the baby steps, but also to learn. I love hearing the callers' stories, situations, and advice given to them. I also love the nuggets of wisdom shared about the world or society that sometimes isn't even money related! I love that you care, Dave, it's not just a game of telling them they're wrong and what to do. And i love that you scream with the debt free screamers. The emotion in yours chokes me up EVERY time. 😅 Oh, and I do share the links and tell people! 🙌

[Dayan]

Love this show. Dave is funny without even trying.

[SouthernBuilt]

George is the man. I watched the show on youtube when the "sell the dog" happened, and i told my self they he will catch some heat from the people on that. Love it George. Preach it.

[arlenepardo]

You are the best Dave!!! God bless you..🙏🌹

[carynwickline]

Tom and Cheryl. Amazing story! Love how you set your children up for success. I plan to show mine the same.

[Arnold-]

So far this week has been busy with debt free screams ! Keep it up!

[veronicabishop]

Yep I listened to that episode and I did think that George was a little hard with the lady but I also saw that he was frustrated with her since she didn't want to help herself. Maybe his advice for her to work helps her to realize that she needs to do something with her situation now and don't wait longer. His second advice of looking for a roommate probably is better 😂😂😂 We love you George keep your hard work

[kristencampbell]

Good advice to the 18 year old! It takes time to save a down payment and bring up your income - that's normal! And thank you for at least acknowledging that it IS a tough time to buy a home.

[tqjoohn]

Listening to Dave talk about interest rates takes this boomer back to the purchase of my first house. The interest rate on that mortgage was 14%. We bought a fixer upper that was structurally sound with newer mechanicals and roof in an ok neighborhood. The rest of the work was basically cosmetic, but very livable. I remember showing my mom and saying, "it's livable", as she looked around at the unpainted walls and the plywood sub floor she said, "this is livable?" LOL. Indeed it was.. when interest rates dropped to 8% (woo hoo!) we refinanced which left us extra cash to finish the work. Years later, we turned around and sold the home for double what we paid/put into it. We were able to upgrade to a larger home on a little acreage. We sold the first home to another newly married young couple who were so excited to start their new life. After the contract was signed, the wife asked if she could bring her mom through and show her the house. I said of course, and could hear them upstairs as the wife was telling hermom all about her decorating plans for the house. Made me smile. 🙂

[margaretkaczorowski]

ooh. I gotta agree- George that was a bit harsh saying the 86 year old "bright future in retirement." There is always a context and history they are unaware of so you need to go easy sometimes.

[timknin]

Please have a Ramsey cruise in "2026" i can't make it this year!!