You Have To Own Your Stupid Mistakes Before You Can Win | July 29, 2024

The Ramsey Show (July 29, 2024)

Dave Ramsey & Dr. John Delony answer your questions and discuss:
- "My sister wants me to pay for her car that was repossessed, "
- "Are international investments necessary?"
- "How much should I spend on an engagement ring?"
- Is the US in a recession?
- "How should we split up our house in the will?"
- "Should we move to an area we can afford?"

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[RideRedRacer]

I did my debt free scream today!!!! thank you guys so much for the encouragement. i paid off $30k in 1 year. Ate rice and beans for 1 year. Now the new journey begins to save money for a house!

[msparr]

My wife dragged me around to every pawn shop in Charlotte looking for her perfect ring. We finally found 1 for $750. The first thing she does is take it to a jeweler to have it appraised. It appraised for $2800. She was so happy. I always thought it was crazy to go into debt for a ring. Any jewelry for that matter. So glad I found her.

[The_future_looks_bright]

“This is how we talk to people we love” Dave’s the best!

[mattjaps]

Hey Dave thanks for all you do. When I took your class years ago I was broke.(didn't look like it but I was) now my boat is paid for, vehicles are paid for, house is mostly paid for. Small amount of debt on my business. Cars are old, boat is old, (in great shape though) but now I sleep well at Night. Thank you Dave!

[noaspencer]

“Some of you peoples parents are cousins, I don’t care what you believe”😂 48:50

[lindaburnside]

When Dave said "My wife has several things that sparkle in her life ..." I thought "Hey Dave, that includes you." LOL

[brookebales]

PLEASE DO ANOTHER CRUISE UNCLE DAVE!! 🚢 we plan to be on the next one!! 😎 🏝️

[CT-O]

Finally, someone who puts some mustard behind the scream

[JJ-jnei]

Hi Dave-just an update, we TSP folks (i can only speak on military)have target date funds now. I was hesitant for years, but its actually doing quite well. We also have access to mutual funds & Roth in our TSP as well. The blended Retirement now matches, but you loose 10% of your retirement unless you stay past the 20 yrs. Lot of improvement over the last 10+ year's 😊

[victoriamorris]

what i like about delony is that he is not afraid to go deeper into the why you went into debt. That is what helped me personally, in order to put an end to the overconsumption cycle i was in.

[AlaaKhazar-pqgu]

Those 2 are my favorite ❤Followed by Jade&Dave

[cirer]

Dave sometimes does not listen, the lady calling from Tampa states she can't afford a house on a household income of 75-90k. So for the Ramsey house buying guide, it is a 15 yr fixed with the payment no more than 25% for your take home pay. So we are taking about a monthly payment of about 1200-1400 per month so a sub 200k house in Tampa? Good luck!

[Trustbutverify]

Ronald - no, no, no for giving money to your sister. You need to make a break with that past pattern BEFORE you get married. Reason to give her: you're in a new relationship now and need to watch out for your own family (present and future.)

[alejandroguerrero]

1:50:15 Dave mentions that your income is your number 1 wealth building tool. The rant that really stuck out for me was the “Think America” rant. In that rant Dave says “ your number 1 wealth building tool is your income, and when you give your income away, you don’t have it anymore, ugh, is this hard. And when you give your income away, you have nothing. All the money comes in, all the money goes out, but by god we’re counting our discover points; oh we got airline miles…” I could go on but y’all should just watch it if y’all haven’t seen it yet

[alexisballard]

Yessss I missed Dave! He’s so funny talking about “going big, it’s going zoom zoom” for explaining trending podcasts 😂😂😂❤❤❤ he’s clearly back from time off with the grandkids

[Bradimoose]

Wow, Dave is flat out wrong you do need more than 100k a year to buy a house in Tampa. Tampa bay times just did a story last year you need 85k a year to be a single person and qualify for 1 bedroom apartment. No freaking way can you support a family and buy a house in Tampa nowadays on that salary.

[roy]

You are hilarious regarding the recession discussion. Thank you for making me laugh so hard. 😀

[YouMissedBro]

To you people who think divorce is okay and step parents are fantastic, listen to this woman say she values her bio son 3x more than the step son that SHE RAISED SINCE HE WAS 5!

[IsaliaAlmaTull-Castro]

Thank you, Mr. Ramsey for providing facts and data on what a recession is and the reality of where our country is economically. Not biased opinions. I enjoy your show and look forward to it every day ❤

[dodger]

I bought a cool condo last year making $75, 000 a year. I saved up for the down payment, I'm
A single woman. If I can do it, a married couple should be able to do it.