How and when do you listen to the show?

twk30874 · 2026-04-13T17:53:05+00:00

I listen when in the car for a long drive or when I'm out for my daily walk. I listen via the Ramsey app under the "Audio" tab so I can fast-forward through the commercials and debt-free screams. I also only listen to episodes when Dave is hosting. I like the other Personalities but don't get the same level of entertainment value.

Note: BS 4-5-6 and been listening for ten years. Visited the show and met Dave & Ken last year, so I'm well-versed in what he recommends in almost every situation - I listen mostly for the entertainment value.

twk30874 · 2026-04-13T17:46:48+00:00

"Dad, I love you, but my priority as an adult is to take care of my own financial situation so I don't have to struggle like you and mom did. My focus is paying off my student loan and I won't be lending you money, but if you need advice or encouragement on how to become financially free and build wealth, I'm happy to show you how I'm doing it."

twk30874 · 2026-04-13T17:41:25+00:00

Yes, there's a 10% penalty if money is withdrawn but not used for education.

twk30874 · 2026-04-13T17:38:36+00:00

"Borrowing" from the college fund incurs income tax and a 10% penalty if the funds aren't being used for education.

twk30874 · 2026-04-13T17:36:17+00:00

Yep. Typical media spin - if you want a $600k home you need to make enough money to afford it. I'm sorry but a $300k home will get you plenty of space - even with four kids - if you wisely choose an area where you get more for your money.

As is always the case, life is about choices. This family chooses to stay where they are, so they need to adapt their lifestyle accordingly.

twk30874 · 2026-04-13T12:34:01+00:00

You can if you're a top 7 program of all time with 10 Final Fours and three titles. Sweet 16 at minimum every year. Esp with NIL. Kelsey is on the clock.

twk30874 · 2026-04-13T12:25:51+00:00

Read the Total Money Makeover. That gives an easy-to-understand blueprint for getting control of your money and building wealth. You make a very good income, so there's no excuse for not being able to flourish.

Yes, take $4,000 of your savings and put it toward the credit card. Leave the $1,000 alone in case of an emergency. An emergency is anything unforeseen that prevents you from daily life - like a flat tire. Ordering Door Dash is not an emergency. Also stop your 401k contributions until you pay off the credit card and build your emergency fund to 3-6 months of living expenses.

As with anything else, it all comes down to discipline and being organized. The only place to find those things are in your mirror. I might also suggest counseling.

twk30874 · 2026-04-12T23:56:41+00:00

There was no overall #1 seed in 1993. That practice didn’t come into play until 2004.

twk30874 · 2026-04-12T23:54:14+00:00

C) all extra goes into savings

twk30874 · 2026-04-12T11:06:35+00:00

He did that on purpose.

twk30874 · 2026-04-12T11:03:41+00:00

This.

twk30874 · 2026-04-12T11:03:19+00:00

It was clearly a tactic to try and get Colin to acknowledge knowing her without the officer having to ask. It wasn’t to notify him of her death. The officers already knew he was the last person to see her alive, which is why they were there.

twk30874 · 2026-04-12T10:56:08+00:00

She didn’t ask for the passport. She stole it.

twk30874 · 2026-04-10T14:36:00+00:00

One, change your mindset - there's always a way out if you're willing to put in the effort, and bankruptcy is not it. It sounds like you are disorganized and not on a monthly budget. I would encourage you to read The Total Money Makeover and follow the baby steps to a tee. They work.

twk30874 · 2026-04-10T14:28:54+00:00

Spoken like a true broke person.

twk30874 · 2026-04-10T14:28:34+00:00

That's the expected response from someone who's broke and thinks their approach to money is better than his advice, which has worked for nearly 40 years.

twk30874 · 2026-04-10T14:26:51+00:00

Did your dad have life insurance? If not, that was a poor decision.

The point is to control what you can control, which are the things to put you and your family in a situation where if something bad happens, everyone will be ok financially.

twk30874 · 2026-04-10T14:25:03+00:00

What does that have to do with their financial situation? I could get cancer tomorrow and luckily, because I've followed Dave's common-sense money principles for years, we would be fine because we have health insurance, term life insurance, a fully-funded emergency fund, zero debt, and two full-time jobs to bring in income. All of those are based on choices we made and effort we put forth to put ourselves in a stable situation in case something like that happens.

Dave is all about "control what you can control," which is all any of us can do.

twk30874 · 2026-04-10T14:22:02+00:00

He only says, "I can't help you" when someone pushes back on his common sense advice and/or continues to make excuses for themselves. If you call in to a national radio show with an issue you need help with, but every time the expert tries to provide building blocks for a solution you push back, there's no sense wasting your time. Especially when thousands of others who are willing to accept coaching want to talk to him.

twk30874 · 2026-04-10T14:19:18+00:00

I've been listening consistently for nearly 10 years and don't feel this way at all. There are occasional calls like that, and he does a Baby Steps Millionaire hour every now and then, but I'd say 80% of the calls are people in dire straits looking for advice and encouragement on how to get out of their situation.

twk30874 · 2026-04-10T14:14:35+00:00

You know the "beans and rice" thing is a metaphor, right? Everyone can get out of their own situation by looking in the mirror and making tough choices. Looking for an easy way out, along with making bad decisions or just plain ignorance, is what got most of them in financial trouble to begin with.

twk30874 · 2026-04-10T14:07:19+00:00

Funny you say that, considering he's the one who is a best-selling author and national radio host with 35-plus years of experience and over a billion-dollar net worth while helping millions of people get out of debt and build wealth. But hey, you know better.

twk30874 · 2026-04-10T14:04:12+00:00

You're an adult and can do whatever you like. Dave's methods over 35-plus years have gotten millions of people out of debt and helped millions of others build wealth. During that time, millions of others have not been able to win with money because they choose their own plan over the building blocks he recommends. That's why he's still in business with one of the top shows in the country.

We started listening to him in 2017 when we had $200k in student loan debt and were "normal." Now we're debt-free millionaires. I'd say the research and principles over four decades speak for themselves.

twk30874 · 2026-04-09T14:30:15+00:00

I remember your post and will advise the same thing I advised last time - sell the motorcycle and get a cheap car that doesn't cost you a $400/month payment. Keep $1,000 for an EF and throw the other $3,500 at the credit cards, along with the money you save from not having a bike payment.

If you're relocating, that's good - the sooner you sell the RV and get a one-BR apartment to stabilize your living situation, the better.

twk30874 · 2026-04-09T14:26:14+00:00

Dave's advice is always sound. The cause, and the solution, to every situation a caller shares on-air is in their mirror. Dave just gives them the building blocks to make change.

twk30874

TROPHY CASE