every time i hear the "were debt free" scream something comes over me i can't explain! I can't wait to say it one day.

@lilianasaba9846

23 күн бұрын

Just remain focused

@vickiesmith5658

14 күн бұрын

Baby steps 👏💗

Baby step 2 here, knocking it out year after year. $28,461 this year so far paid off.

@emilevanwieren3393

23 күн бұрын

Awesome! Proud of ya!

@paytonbarnett8641

14 күн бұрын

Holy sh**!! Good job!

@FancyRPGCanada

13 күн бұрын

Amazing job dude! Keep going!

@lauressebinghay1602

6 күн бұрын

Im new to watching here. Just wondering where can I find out more about the baby steps as I dont know what they are

@JillRuckman

2 сағат бұрын

​@lauressebinghay1602 if you can afford it, take Financial Peace University.

I worked at a university in the IT department until I earned my masters. It didn’t pay that well, but I didn’t pay for one nickel of my masters. I left after three years.

One big problem is our belief that we all start with nothing and have to make it on our own. I support one generation helping the next...

@motoryzen

23 күн бұрын

I agree to reasonable extent. Helping is one thing enabling and doing for when the person can do for himself or herself is another. There is a fine reasonable balance between babying someone spoon-feeding someone when that person is capable of feeding himself or herself, versus just telling handing a freaking Hammer to a kid and say build a house

@FancyRPGCanada

13 күн бұрын

As long as parents don’t spoil their kids I agree

I honestly don't see a problem with living in your mom's house if you are significantly contributing to the bills. If the mom is alone especially.

@myoldvhstapes

23 күн бұрын

I agree. In most other cultures, a three-generation household is considered healthy and functional.

@ThePolypam

23 күн бұрын

So many societal ills could be lessened if multigenerational housing wasn't stigmatized. This is a distinctly American culture attitude and it doesn't make a lot of sense

@itsallperfectlynormal9805

23 күн бұрын

Thank you! I asked my daughter to move back in. It saves us both, in different ways. She handles yard care, snow removal, cleans the house and does most of the laundry. I help care for the baby and get their company. I get to teach her more cooking and budgeting skills she wasn't open to before, but is now. I would never want my daughter struggling to afford a crap apartment for someone else's financial benefit, while a stranger raises my granddaughter in "daycare" and I'm alone in this house. That's crazy talk. The real winner here is the baby who is so well loved and cared for 🥰

@Walkers24

23 күн бұрын

It’s a marketing paradigm to sell more houses! 😂

@joesmith3590

23 күн бұрын

most other cultures are poor and have no choice. Americans should not be copying places that do much worse then them.

It’s always a FANTASTIC show when Dr. John and Dave are together! Wishing all the callers peace! ❤

@super1234567891011

22 күн бұрын

I agree!!

Bring back Debt is dumb and cash is king!

@chief5981

23 күн бұрын

Can’t believe they picked Food at Home for their merch over Debt is Dumb Cash is King. Well, I can’t believe they thought merch was a good idea either.

I wish I knew about Dave Ramsey before I’ve made dumb decisions… Now I must clean it all up)

Never heard any of the debt free screamers give glory to God. . . ❤ refreshing😊

@motoryzen

23 күн бұрын

While I will say that probably around 65% of debt-free screamers on the Ramsey Show throughout the decades have not mentioned God or religion involved in any form of Praise or gratefulness, you must be new here because there have been a pretty good bit who have

@josephbishop1418

23 күн бұрын

P97p o p6p 64.11 4😮p😮so po😮😮😮py😮p😮😮p🎉p😮😮p6p😮⁶985-2 p😮p⁸per 3😂

@starrystarrynight6281

22 күн бұрын

AMEN!

@williamehlers5158

22 күн бұрын

Yeah, definitely have heard it before.

@sharoncounce8907

21 күн бұрын

I have

11:01 Dave, please consider selling beans and rice - with your trade name. I am not kidding.

@cjmclaughlin2393

23 күн бұрын

I’m 16 and I’m listening to every word he can say, I watch the show all the time, and when my girlfriend and I go out on our own, there will be plenty of beans and rice for us both. We’d definitely buy his brand

@Ferrero123

23 күн бұрын

Hilarious 😂

@LindseyHarvell-vc4ez

23 күн бұрын

Yes!!! A collaboration with Conservative Goya!!!

@annfarrior3197

21 күн бұрын

I seriously would buy them!!!

@FancyRPGCanada

13 күн бұрын

He’s had people try and convince him to do this for 30 years 😂

Losing the full value of my truck's worth as a plaintiff v. an employee (defendant) affected my business in 2022. Getting involved in a scheme that got me $125,000 monthly was my only saving grace. It saved my business

@HelenaNguyen77

23 күн бұрын

It's been a struggle lately, really need a positive turn around financially

@HelenaNguyen77

23 күн бұрын

Please how do you earn that much? I genuinely want to know.

@Seanporier1410

23 күн бұрын

Big thanks to Renee Marie Harrison

@Seanporier1410

23 күн бұрын

She’s a licensed broker here in the states 🇺🇸

@Seanporier1410

23 күн бұрын

Her top notch guidance and expertise on digital market changed the game for me

John I can so relate to you and your friend that cheered you on when he was losing his job. We paid off our home when a friend was struggling in her business because of covid and loss of events (Feb 2021). She HUGGED our home (an interior pillar) when I said "hey my the grass does feel better." And I was going to baby showers when we were not having babies and adoption wasn't working. Celebrating your friends and what God has done in and through them has to happen 24/7.

Dave Ramsey , a Christian , drives a Raptor , carries a .45 everywhere and worth a 1/2 Billion dollars , that’s cool in my book , if that’s a nerd call me a wannabe Nerd

I own property on the other side of Australia. If a pipe leaks, I send a plumber. I have never been to the other side of Australia before. I pay a manager to look after the tenants and property. I get $2000 per month in rent and the loan is $1200. I paid $300k for the house 2yrs ago and it's worth $440k today. It's easy.

@BeeDee-qs9so

23 күн бұрын

Totally agree. They need to specify that in order to have the benefits long term of rental properties, you need significant margin and possible help with the management of them. Instead, Dave points out how much money he has in real estate while neglecting to provide a few significant details. You can bet he’s not running from property to property, collecting rent checks and finding tenants. It’s a bit arrogant. It’s possible for anyone to become a multi property owner but it needs to be done with the slow, steady, grounded approach and eyes wide open.

@ThePolypam

23 күн бұрын

What's your net income after manager and repairs?

@munkeyrider

23 күн бұрын

$117,520 per annum in gross rent $109,294 after management fees - $18,000 insurance repairs etc - $31,000 loan repayments = $60,000 - income tax Loan $360,000 Property value $2,400,000 (Total portfolio) Plus $165,000 gross income from washing cars Own home paid for Porsche paid for $10k Toyota paid for 😆

@ThePolypam

23 күн бұрын

​@@munkeyrider🙏 and awesome, although you're including many properties or units there and not just the 2k rent one you mentioned originally. Having said that I often feel that Ramsey doesn't in a way want anyone to have the same success. He's always advising people to sell their rental properties and saying how much it sucks while reminding us for the millionth time he has 600 mill in real estate assets 😅

@gourabsarker9552

23 күн бұрын

​@@munkeyrider Sir what is your total household income in Australia? Plz reply. Thanks a lot.

I WANT THAT PEACE YOU SPEAK OF DAVE!!!

@countrysister700

23 күн бұрын

The Prince of Dave's Peace is Jesus. Just call His name and He's there. 🙏

John: Overanalyzing the first caller trying to impress Dave. Dave: No

@super1234567891011

22 күн бұрын

LOOOL 😂

Pay off that house - it IS Step #1 in retirement prep.

Dont calculate or Ramsey wont have a job anymore!! Only kidding. It really is an emotional battle more than anything. People realize that eventually, hence why baby steps work.

@paytonbarnett8641

14 күн бұрын

Absolutely

My mom came here from Bosnia 🇧🇦 worked 25 years straight from 8$ to 14$ got house paid off living like a queen now 6 kids all of us have great jobs ! Yes she never had a credit card in her life just cash and debit card. So yes you can live your life America dreams but you will be broke all your life ppl needs to live their lives and own dreams.

Yes please! ☺️ beans and rice T-shirt would be amazing

@Joce123

23 күн бұрын

I guess my shirt will say "Rice/Beans" vs "" Beans and Rice."

I love your We have food at home. Thank you for your content!

Congratulations Dave , on your leadership event… You inspire me every time I listen to you… 💥

I’m going to be on this microphone until I don’t make sense 😂

The hardest part for me with getting out of debt is patience. It’s simple, they are baby steps… but it just takes time and I hate how long it takes! Or maybe I’m just a very impatient person when it comes to money. 😂

For a Masters degree, some employers will pay for your classes. My employer paid for me to take night classes to get my engineering masters. Definitely look into options before getting loans. (Not to brag, but the Army and Air Force paid for mine and my wife's bachelors, too. :) )

Glory to God, how wise to mention this first.

My renters did pay my properties off. It worked for me. I only rented to retired professionals. If you don't put up a 'for rent' sign you can pick and choose your tenants.

12:25 I like that idea! Double the tip!!!! Yes, bring it back!

Amazing ! Thank you

Ha ha ha Papa Dave should not market the Merch 😅😅😅😅 Let Rachel and Jade market the Merch😆😆😆

You need to make a Plain T-shirt that says "The Ramsey Show"!!!

Here too learn📈

@Walkers24

23 күн бұрын

Lesson one: the difference between “too” and “to”. Here to help.

The Ramsey Show, You're the best! I just had to subscribe!

It took me forever to think about where I had seen John Delony before then I remembered! He was on Mind Pump! That was an awesome episode!

The Ramsey Show, This is great! I liked it and subscribed!

Such a humble couple 🤗

The Ramsey Show, I loved this video so much, I had to hit the like button!

I’d love to see a T-shirt that says “My Stupid had ZeeRows in it!”

My twins loved sharing a room but realized in college most kids didn't know how to share, clean or deal with the change.

I work at a private liberal arts college and 2 of my daughters get their tuition free. I pay for room and board for one and the other lives off campus and pays her own rent.

@brookelondon8029

22 күн бұрын

You raise a good point that I don't think is addressed. Many colleges offer free tuition to the workers children. Thanks for bringing that up.

Don't have people in your life that don't celebrate success. The people who get on tiktok and complain about the price of eggs gotta go.

@amireallythatgrumpy6508

21 күн бұрын

Not celebrating success doesn't necessarily mean complaining.

Love it Glory to God they are debt free !!!!

10:40 “here’s a tumbler, in case you want to tumble” 😆😆😆😆😆 Dave is the funniest guy ever

Penny, most relationships drag you down. You have time on your hands to make yourself successful.

Jade and Rachel the previous show: Don't buy an index fund Dave this show: Buy an index fund

Pay your house !!! Lucky you!!! With peace I bet the best dreams can be envisioned! Congrats 😊

What's in your wallet. Not Capital One!

Ramsey - best sales pitch ever - who cares, buy one, if ya want (not an actual quote). You know that's gonna make you sell out :). I gotta say - I like the tumbler with the 'live like no one else' saying, it reminds us to stay the course and live like no one else.

I just love the way the Ramsey personalities that work with Dave Ramsey on the air pander to Dave Ramsey. It could not be more obvious. I think it’s very clear if you want a career at Ramsey solutions, you better not disagreed with Dave Ramsey on a single thing. Can you imagine working in environment like that?

@striperkid

22 күн бұрын

It's his business model and the employees all signed up for it. Not sure how you would expect the show to be genuine if they flipped/flopped beliefs.

@amireallythatgrumpy6508

21 күн бұрын

Literally 100% of American workplaces are like that dude

Phenomenal wisdom reality check @ 1:24:20

I want to see Dave on Patrick Bet-David's podcast. It would be an amazing conversation.

Ahhhh no fault divorce - what a glorious way to destroy families and avoid apologies and humility.

Shout out to Vegas!🎉

Will they do the Dave’s 2 day investment class in the future again for those who maybe cannot afford it right now? I’m still in Baby step 2 and about to go to 3.

Come on! When is the next George and Dave hour?!

I LOVE THE NEW MERCHANDISE! IM GETTING MYSELF AND MY HUSBAND SOME. PROLLY GOING TO GET EXTRA FOR HIS BDAY COMING UP TOO! THAT WAS SUCH A GREAT IDEA GUYS!

@Joce123

23 күн бұрын

Cute shirt ideas but I can make my own.

Isabella from San Diego: You need to move to a cheaper location or make way more money. I used to live in San Diego and trust me when i say you can't afford it unless your numbers change dramatically.

She's complaining about 3k/mo for a 3-bedroom.... um... that's like a ONE-bedroom in many places!

Penny is struggling with her situation and misinterpreting what is a clear message.

1:34:10 Nigerian fathers are stick and don't like to listen to their kids or really the wife for the most part. Its rare. He is better off accepting Daves gift and trying to get his father to talk to a professional.

I have no debt besides a mortgage and $9,000 saved (6 months expenses). Should I start throwing everything at the mortgage? It's a scary step

@bluebelle9572

23 күн бұрын

Everything extra. Why not

@ibuy2manymovies

23 күн бұрын

@bluebelle9572 Because I want to have fun and be irresponsible lol. But I know this would be 1000x more productive

@MONI-bj1ms

23 күн бұрын

401k, etc,too. Give spend save

@countrysister700

23 күн бұрын

Picture your house payment in cash lying on the table in front of you. Benjamins. $$$$ It's yours to spend, invest or give every stinkin' month IF you pay off the mortgage.

@sgc1401

23 күн бұрын

@@ibuy2manymovies In your current situation, it would probably be fine to spend a bit on optional "fun", but just be careful to not spend too much.

i'm looking at weirdos LOL

@BeeDee-qs9so

22 күн бұрын

I know! Rude, or what? 😂

@Flo fellow Nigerian here. I feel your pain. Let me know how the conversation goes.! I need to have the same.

I love when Dr John is on the show!!❤

@flashthecorgi2053

23 күн бұрын

He’s the BEST!!!! ❤

Sounds like you need to do an updated study of millionaires, guarantee there will be some people with different methods of becoming a millionaire

Emily and Gregory had super charasma!!

@doonie5396

23 күн бұрын

Yeah... I saw what you did there..😉

My job paid for my bachelor's and master's degrees. They paid so much a year, so I went part-time so all of it was covered.

The guy who sold the rental would have a chunk of change left over after paying of the house? Unless I missed something? Nice little amount to invest/play with.

It was a small gut punch hearing Mr. Ramsey specifically word it as: "The amount of people that went to counseling because they shared a bedroom with a sibling is zero." In my head, I thought, "one." Its the exact reason, I went to counseling...

Staying with parents is the standard in so many countries regardless of the financial situation. I don’t get the American culture. The benefits are economical (save on housing cost, day care costs) and it also helps build family values allowing your kids to grow up around their grandparents, there is less overall consumption of resources so it’s better for the planet, along with less waste. 3 generational homes are what can get people out of the constant middle class to actually building wealth and financial peace. My wife and I own two properties worth excess of $1million total and gladly rent them out to stay in a generational home. It saves us money on rent, provided free child care with someone we actually trust, gives us more flexibility as well so we end up getting more time with our kid (no need to travel to and from daycare constantly). It also provides a larger space for our child to grow up in (where I live a reasonable size house 3 bedroom two story cost excess of $1.5 million which isn’t exactly attainable), and allows us to have a much shorter commute to work.

For the first caller, the interest rate matters. Im not paying off a 2-2.5% mortgage rate. His initial hesitancy was correct on the opportunity cost of that money being in the market. The millionaire study of "nobody borrows money on the house to invest" is not the same situation of tons of people that pay off mortgage over the long run while investing aggressively

@motoryzen

21 күн бұрын

You're right but the vast majority of millionaires don't do that nonsense they don't hold on to a house payment like it's a damn pet (Facepalms) So if you want to take that risk and hold on tight to being under the thumb of a bank for far longer than you have to, that's your choice and your problem. It damn sure they won't be mine

@poolking25

21 күн бұрын

@motoryzen People take longer to pay off their first house, but second or third homes are paid off quicker The difference between 2% mortgage and 8-12% in the market is insane long-term, you're leaving hundreds of thousands of dollars on the table.

But they are always saying that married people are better off and live longer!

I tried renting out my old place and gave up after one tenant. It was a bad experience.

13:52 A new bachelor's degree needs work experience to be worth 2 cents - and you need to grab a job while you can get it NOW. It will also make grad school more meaningful and useful.

I’m a millionaire. I still have a mortgage. I’m making over 12% on my investments, last year 22%. I pay about 2% on my mortgage. I’m not taking from my investments to pay my mortgage.

@KAinFL

4 күн бұрын

I am!!! Going to take half this year/half in January and pay it off. DEBT free finally. (my mortgage is 2.5% with 135,000 balance) I want the freedom and it is only 7% of overall investment value (1.6mil). No brainer.

No Dave you are wrong. Invest the $140k and grow at 10% will net a much larger return vs investing the house payment until retirement. This should be two separate categories especially if the mortgage is manageable even with reduction in income. I used your lovely investment calculator online to demonstrate that the $140k put away now will bring millions more and this is without adding any extra to it.

Roughly 120k in my portfolio are in tech/TSLA stocks, can I get an advice on any other stocks that I can acquire to diversify my reserve across multiple markets while creating a comprehensive portfolio allocation that balances my concerns of risk aversion and returns that meet yearly inflation.

@AdinnaMullins

23 күн бұрын

You need to hire a financial advisor to help you diversify your portfolio by including Mutual Funds, Etf's, the 11 GICS groups, inflation-indexed bonds, and stocks of companies with reliable cash flows rather than growth stocks, where prices were based on future prospective earnings.

@williamchukwudobe

23 күн бұрын

That's correct. At first, I wasn't too pleased with my gains compared to my previous performances, I was doing so poorly, I thought I needed to diversify into better assets, so I got in touch with an investment-advisor. That same year, I pulled a net gain of 550k, which is about 10 times more than I average on.

@JeffEmerson-gi5jt

23 күн бұрын

My portfolio has been in the gutter for the entire year, so I started researching new ways to profit in the market, but everything I tried just seemed to miss the mark. Please let us know the name of your financial advisor

@JeffEmerson-gi5jt

23 күн бұрын

Thanks for this tip. His website popped up on the first page immediately I searched THILO MOUKOKO name, I read through his resume and it seems pretty tight. So, I dropped a message & hopefully he replies soon.

How do I payoff $30,000 in debt making $4000 a month and $1600 in rent . Please help

First guy is saying he can pay off the house in 3 years anyway. I fail to see how the net difference in 20 years is $1m different from what he will invest anyway if he drops an extra $50k in the market the next three years instead of putting it toward his house...

@1:24:30 - The delineation between Millionaire and Billionaire needs to be your next Short! SECOND BEST thing I heard in this day’s show!!! (1st was DAVE being told to pitch merch!!! 😅😂😅 Seriously?! I’ll take that $20 I didn’t spend here or at the grocery store on junk-food and apply it to my Principle!!! Paying a 30 Year in 10!! 😊)

It must be very different in the US to the UK. All those universities, government buildings are cleaned & kept by large contract firms.

@amireallythatgrumpy6508

22 күн бұрын

Yes, the USA only has colleges and universities in name only, not actual universities.

I want a t-shirt that says "I'm looking at weirdos".

@KAinFL

4 күн бұрын

or "I am a weirdo"!!!

10:00 Dave not a fan of the merch movement. lol.

@Trustbutverify2651

23 күн бұрын

I don't know why - he does enough marketing on the books and other shows.

I know I can find a better quality shirt than his at the flea😂

My parents have a million. My pop has taken 50k heloc and hasnt paid it off “to invest in the market because he can get a better interest investing”. So dont say ZEEERRROO” dave

I wonder if any of the personalities have investment properties other than Rachel.

Doing uber everybweekntonget out od debt. 1k a week. Not the best butta what u going to do

John quoting Tony Robbins 🤪🤡🙊👻

@Nigriff

22 күн бұрын

In between mouth-breathing

@flashthecorgi2053

22 күн бұрын

You trolling the comments about Dr. John while he is out helping people and literally saving lives! 🤪🤡🧌

John Deloney… creating a deep dark problem for every solution.

Dr feelgood is so cringe sometimes

For the record, I’m a net worth millionaire and I love using my credit card, paying it off every month, and using the points for free travel.

@seanstuart6115

23 күн бұрын

Look up the morality Dave speaks of when using your points. Where they come from.

@bluebelle9572

23 күн бұрын

It isn’t free, someone is paying for it.

@financialsuccess870

23 күн бұрын

@@seanstuart6115 I’m all for legislation that limits interest rates and frees that credit card companies can change. However, the credit card companies don’t need people like me to take advantage of people who carry a balance and pay interest and fees.

@financialsuccess870

23 күн бұрын

@@bluebelle9572 ok, but do you think credit card companies would take not take advantage of lenders regardless of people like me who don’t pay fees or interest?

@nydialuz314

23 күн бұрын

Not only morality, George Kamel explained that hotels and airlines raise their prices in order to not lose money. Hotels and airlines change the quantity of points you get for every dollar you charge. They invite people to see it for themselves. Make a reservation using the cc and have someone else make a reservation at the same hotel, same type of room.

You create chaos because you don’t know how to live with normal 💀

John loves putting down other men

Okay. We have been blessed with both sons and daughters. As a woman, I don’t know that I can take much more of the mollycoddling of my gender on the Ramsey show. Stop treating women as fragile beings, incapable of managing Life in general. It feeds into the notion that as women, we can never get ahead or catch a break. Women are resilient, responsible and more than capable of creating a fulfilling life both with or Without a partner. If Cori had been a male and called into the show, still living with a Mother at 45, we would never have heard the end of it. Just Stop.

@Trustbutverify2651

23 күн бұрын

💯I don't get it either. I have two daughters, both happily married over 20 years, and both finished college and have been employed except for a very few years when one of them had small children. I have always worked outside our home (except when my kids were very young), and my 96 year old mother has a college degree (pretty rare for her time) and has always been employed. The message in my family has always been - EVERYONE NEEDS TO BE ABLE TO TAKE CARE OF HIM OR HERSELF FINANCIALLY, EVEN IF MARRIED - get an education or a workforce skill and stay in the marketplace at least part-time if for a season you decide to be a SAHM. This show is littered with women who never learned that lesson and then find themselves unable to manage both their money and their lives when the unexpected happens. There has never been more information available and more opportunities for women and yet so many of them miss turning into full-fledged adults and I have no idea why this show caters to weak women!

@BeeDee-qs9so

23 күн бұрын

@@Trustbutverify2651There’s something so completely condescending about it. I don’t even have sufficient words but it just drives me bananas. It’s wonderful to be supportive and full of compassion, but after the third time he told Cori he was proud of her, I stopped listening. On another note, I am totally all for living with an aging parent where appropriate, but let’s make sure it’s for the right reasons. By the time Cori has found the home she thinks she deserves, her kids will have no need for it, and neither will she.

@bettedavis9261

23 күн бұрын

​@@Trustbutverify2651my sister and I were raised by our mom, who was born in 1921, to get an education, so we could get a job, so we could support ourselves. She was ahead of her time.

@bettedavis9261

23 күн бұрын

​​@@BeeDee-qs9soyes! If Cori had been a man, Dave would have lambasted him for living with his "mommy" for so long, and Dr. John would have hopped on the train, as well. There is such a double standard on this show...women are almost always given a pass just because of their gender. It truly is infuriating

@BlakouttheMM

22 күн бұрын

​@@BeeDee-qs9sothey also call every single mom who calls in a hero as a knee jerk reaction, when in my experience, many single mothers are the result of women having unprotected sex with deadbeats. Guys can hit on a girl, but ultimately she's the one who lets him into the bedroom. You're not a hero because you made bad decisions. It's the same sort of mollycoddling. I grew up in a conservative community and nearly everyone that I went to school with is still married, because they had long courtships, focused on romance, and neither the girls nor the boys were allowed to date crazy partiers who would screw up their lives. You're a hero if you do the right thing, not if you do the wrong thing and manage to stay afloat.

You ask everyone to be generous, and especially so. You say you are not heartless and live according to God's word, the Bible. Then I ask myself why you would throw out a woman who works for YOU just because she got pregnant without being married. What is Christian about it and full of charity and forbearance? What is NOT heartless about that? And the fact that you totally put people down and yell at them in front of others is the lowest level. Your employees will get you where you want to go. You have the same responsibility for them, no even more when you are their boss! Dave, you are acting like a cult leader and not like a human being, and certainly not like a good company boss. And you probably can't make anyone believe that you didn't have sex before you got married. Who would believe you after everything you've said about yourself? As it says in the Bible: "Let the one who is blameless cast the next stone" and Jesus stood up for a woman who was stoned because of her behavior. Where do we live here? In a fundamentalist state or what? How do you deal with people!!? Horrible and Disappointing.

"Index funds are passive income" old Dave is confusing unrealized gain and income lol

pay off the house and then invest what would have been the payment for the house.....doesn't this caller understand this?

My mom came here from Bosnia 🇧🇦 worked 25 years straight from 8$ to 14$ got house paid off living like a queen now 6 kids all of us have great jobs ! Yes she never had a credit card in her life just cash and debit card. So yes you can live your life America dreams but you will be broke all your life ppl needs to live their lives and own dreams.

Jade and Rachel the previous show: Don't buy an index fund Dave this show: Buy an index fund