The Ramsey Show (June 9, 2023)

The Ramsey Show (June 9, 2023)

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[mrs.natashaellwood]

Im in my earlt 20's and I have severe PTSD. I need to have background noise at night while I sleep. I listen to these all night and I swear I'm absorbing information in my sleep.

Over the past few months my financial health has improving without even trying. My husband and I are officially debt free, contributing to our childrens RESP, and are building a great emergency fund. To most that's not much but to someome in their early 20's in 2023, I feel great about where we are financially.

[mariannedressler]

Can’t even fathom signing the contract for an $800 car payment. That’s just nuts!

[nelp]

Love these 2 together! George & Ken- you guys are the best 👍👏

[dt]

The richest guy i know drives a super cleab toyota corolla but his house is really nice, not too big, not too small and in a really quiet neighborhood. His life is great. He doesnt have to prove anything to anyone. Hes loaded.

[krisPatAU]

Perfect chemistry between these two hosts. Keep it up 👏

[eljefe]

Time to hang my RN badge and stethoscope and go drive for UPS. Dude is rocking it

[davidrg]

Good shout on the credit card user poll. I like that you engage on this topic even though its contentious for you guys.

I can tell you why I wont get rid of mine.

Because I’m responsible and can use the card responsibly.

I use a budget
I have emergency funds
I don’t carry a balance

We’re not talking about building wealth here its about getting something back.

I spend £13k on my debit card and I’ll get nothing back from the bank.

I spend the same on my credit card and every year I’ll get a weeks groceries or a couple of weeks worth of fuel etc.

Things I wouldn’t have using debit.

There are millions of folks who cant use credit cards. They carry balances, max the cards out and do really dumb stuff with them.

Ive been that guy, I’ve done the stupid stuff and I’ve eventually got out of revolving credit card debt.

Lessons learned.

Could I survive without a credit card, absolutley, no problem at all.

But why should I when I’m better off using them? I shouldn’t feel the pressure to get rid of my card because others cant use them.

[tlr]

I grew up in TX in the 70s-80s-no AC, no ceiling fans, no box fans, no fans, opened the window at night with -0-breeze, and it did not cool off cooler than 90s at night-horrible. I lived to tell about it, horrible, yes, during the day go the library or work AC, then later on grew up, my top priority was AC. Many times, if you charge a new HVAC system, they charge another 3% fee. We grew up with -0- credit cards in the 80s and younger, if you did not have the money you did without, debt was avail. on house and cars at 10% or higher, one time 0% on cars, but you used a car for 30 years and you pd. house off in 3 bc interest was so high. Mom and Dad each as long as I can remember had 3 jobs each-1 main one and 2 side jobs, both had bachelor's and master's degrees already done years earlier while doing this.Meaning they had higher education and worked 6 days per wk., Sunday was church and had 3 jobs each and some were driving school bus, cleaning houses, cleaning cattle/horse cell barn where they have sales-nasty, hot sweaty job did this one also myself while in college keeps you motivated bc you never want to that again, and the list of side jobs goes on, mom did tennis lessons, etc., and had a house with AC, but never allowed to use it. I get it the bill would have been $200 mn., we have no cell phones they did not exist, had no cable TV it did exist we just did not buy it. I can remember 1 new pair of shoes year, and 3 new short sets new from store 1 time bc I was overweight, way back when 70s and 80s and earlier you had hand me downs, or donations from local women in the church traded kid clothing-so no goodwill or Salvation Army. I get it, I had AC go out twice in car 1 car I drove for a season and then realized I had AC coverage on the warranty-oh well. I was not going to buy until we had the cash to pay for the new install.

[RattMum]

Domestic cleaning and Window cleaning are a good side hustle too. My husband and I are window cleaners. you can clear 90 an hr in australia easy. one of our customers manages a cafe and then works cleaning houses on the side. her side now makes her 2 times the amount her manager job does for half the hrs

[charliworgan]

The way you guys handled the call from Beth made my eyes tear up❤

[KingRayVision]

That's true lol.. "People are very optimistic when it comes to their own stupidity and pessimistic when it comes to following a proven plan."

[BlakeC]

Nope, I've used my cashback rewards CC since age 18 for necessities without ever paying a single cent in interest and I've never held any debt despite 7 years of college and having 3 cars. You just need to be disciplined. It's not hard, and that's coming from a kid from Baltimore that grew up dirt poor and has been homeless twice from a broken home. There is nothing holding anyone back aside from issues that are within their own control.

[travelnurseadventures]

30:38 : totally agree with Ken with being debt free and financially independent, for me I'll never retire, I'll always be helping someone and working--being debt free and financially independent is peace and so is being productive and helping others--just imo🥳

[crazyleaf]

So I'm with Samaritan ministries and I really liked it they help you as Christians to care for the needs of the Saints owe any money you send in go straight to another Christian in crisis and they cover natural things like chiropractor supplements and even homebirth midwives. Do you have a program that does all that?

[mattder]

Great show thanks. I live in Canada and I don't have a credit card, but... I did let my wife apply for one recently. My main gripe has been parking and hotels. Parking especially has been annoying as the machines we have here require a credit card and nothing else. Hotels also have made it clear they are not comfortable with anything else than a credit card on file, but the parking machines have been my kryptonite. My wife is pro-credit card and we often have discussions about it which have been fun and sometimes a little spicy! I have listened to you guys for a long time but have never heard this issue addressed, any suggestions? (My visa/debit card doesn't work for these machines)

[veritashonor]

If you have enough initiative to call the place you’re paying and setup a payment plan, you have enough initiative to make a plan to pay your credit cards before interest is due. People are lazy, simply put. That’s why they put things on credit cards. 18:48

[Demonizar]

Thanks for posting the full 2hrs, I thought the last one was short and started abruptly 😅

[jenniferklayer]

Exactly cheaper to do a Google certificate or Course Careers than college

[buenaventurak]

I've been stuck at 10k in debt and cant seem to make progress since something always keeps coming up

[sarahburggraf]

I took on a roommate to lower my bills. BIG MISTAKE! it was cool for ab 3 months then she stopped working and paying. Complete hassle to try n get her out of my house. I wish i was physically able to work another job but im not. DEFINITELY think twice b 4 getting a roommate!!! Ill NEVER do it again.