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Dave Ramsey

 
The Dave Ramsey Show is about life, love & relationships— and how they all happen to revolve around money. It is not about right or left, or the “he said, she said” of politics. It is not about Wall Street or the latest headlines. You see, this show has always been about one thing … life. And life happens everyday on the radio. Dave is spreading his message of debt-free living. Each day, he offers callers life-changing advice on how to beat debt, build wealth, and change their family trees forever.

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Dave Says - May 14, 2013
5/14/2013 10:05:49 AM
I'm a stay-at-home mom now, and my husband brings home $2,600 a month ...
It's Contagious
5/10/2013 11:13:17 AM
I started listening to Dave after I saw him mention stupid tax & being debt free on Fox & Friends about 4 years ago. At that time I was finishing off a car payment & buying a condo. My friends thought I was nuts to pay off my car and only have the mortgage. Fast forward three years later, I refinanced to a 15 year, knocked two points off the interest rate and will be debt free by 45 at the absolute latest. They were shocked at how much over the term of a loan you can save by shortening the loan, we were all brought up that 30 year terms are the norm, not the anamoly. It's now a friendly competition! They finally are getting the big picture and have paid off their credit cards, cars will be done by the end of 2013 & are all looking to refinance to lower mortgage terms. Thank you Dave, hopefully we are all debt free & free from the lenders together!
Not One, 2 Universal Life Insurance Policies!
5/9/2013 9:14:11 AM
Ten years ago my husband and I purchased a Universal Life Insurance policy, paying $154/mo, not too bad, yet. Two years ago an agent came to my school to sell us a "retirement savings option" so I filled out the inquiry card. I met with the agent and showed him all my "retirement investments" so he could "assess" my situation. Well this guy sold me, a second Universal Life Policy at $400/mo, VERY STUPID of me! And even MORE STUPID, he suggested I "cash out" my two small annuities, my Oppenheimer and Franklin Templeton 403b accounts to consolidate and open one large annuity with his company. Well, I trusted him (as teachers do) and I took a massive hit. Now that I know Dave and have gone back to evaluate what happened, it's bad. I lost thousands! I am in the process of filing a complaint with the CA Insurance Board and hoping to recover some of my losses. And yes, both UL policies have been canceled. Any tips on proceeding with the claim would be greatly appreciated.
I shall borrow no more!!
5/8/2013 2:31:54 AM
My wife and I paid off over $33,000 in debt in 13 months. We always made good money and then one day woke up to the checkbook being empty, with us both asking "where did our money go?" It seemed we always out earned our mistakes and just kept borrowing and refinancing every couple of years. We read Total Money Makeover, but didn't really start until we took the we took FPU. Things just started to click and fall into place. Our budget said two years to pay off the debt. I took a second job driving cab on weekends and stuck to the plan 100%. Paying off the last credit card was the second best feeling in the world. The best was going to Nashville, meeting Dave and his staff, and of course yelling the debt free scream on the radio. Freedom, Faith, Forgiveness
You don't want to pay off your house!
5/7/2013 11:12:01 AM
This is what we heard from our mortgage banker and investment banker over and over. Well, we did NOT take their advice and now, almost 7 years after taking an FPU class at our church we are DEBT FREEEEEEEEEE!!!!!!!! Note: we now have a new investment banker and have kissed (not really) the mortgage banker goodbye! Financial Peace feels awesome! Talk about shock and awe! The borrower truly is slave to the lender and we are slaves no more! John/Lois, Omaha, NE
stupid tax and thankful to pay it!
5/7/2013 10:41:34 AM
My husband and I are currently paying STUPID TAX to the tune of 60000.00 and thankful to pay it because it has finally made us take a long hard look at our life, spending habits, and gave us the hope that one day our future will be brighter because of it. Never again will we engage in the STUPID behavior that got us into so much debt!
Income Tax advantage
5/7/2013 4:29:20 AM
I have a friend that is convinced that paying off her mortgage is not as good a use of her money as being able to write off the interest each year. Please give me a short explanation that I can pass on. Thanks, John

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