When You Don't Have Payments, You Have More Options
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How did a viral Instagram 'documentary' trend spark confusion about Dave's daughter?
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Normal is broken. Common sense is weird. So we're here to help you transform your life. From the Ramsey Network and the Fairwinds Credit Union Studio, this is The Ramsey Show. Rachel Cruz, Ramsey personality, number one best-selling author, co-host of Smart Money Happy Hour. My daughter is my co-host today. So, Rachel, we did that post, that silly thing you wanted to do with acting like we're doing a Netflix documentary or something.
Oh, yeah, we haven't talked about that.
And things gone bananas. You were right. It's a big, big deal. Apparently, it's a trend to sit down in the chair and act like you're doing a documentary, right?
Yeah, exactly.
And so we did it. And it went on Instagram. It went crazy. Yeah, it did well. The numbers are nuts.
Oh, like 1.3 million.
And so, yeah, they brought a million. Oh, yeah, yeah, over that. Yeah, crazy. Yeah. So the guys, some of them were saying they had read the comments. And a huge number of people didn't realize you were my daughter.
Yes. There was a lot of like, well, today, I was 10 years old before I knew.
And a huge number of people don't know it's a fad and a trend. Yes. And they actually think there's going to be a Netflix documentary about being Dave Ramsey's daughter.
On Facebook.
There's not.
On Facebook specifically, a lot of people are like, oh, no, I just canceled my Netflix membership. I'll miss, you know, miss it. And we had to go in and call him and be like, it's a joke.
Don't sign up.
It's just a trend on Instagram. Just a trend.
And I made Dave do it. It's a funny thing to do.
I made Dave do it. Sometimes he, you know, he's the anti-social media guy. He's our boomer. Our resident boomer who we love. That's right.
Go boomers.
But we get to rope him in sometimes.
Go boomers. Boomers sooner.
To some of the trends. And sometimes he says yes. Sometimes he says no. But it was a good one. Yeah.
It was funny. Well, that one was fairly innocuous. It wasn't like, you know, you have to be a clown or something to do it. No. We did one.
We are-
Years ago, do you remember when Twitter was Twitter back in the day? Oh, gosh, yeah. Was it the ice water challenge or whatever? You dump buckets of water on people?
Oh, that was for ALS.
For ALS. Yes, yeah, yeah. You dump, what was it called?
The ice bucket challenge, I think.
Something like that. You dump buckets of ice on people and you play them doing it on. Yes. And so we ended up having the fire department come over to the front of our building and our whole team got dumped.
Yeah, yeah, yeah.
Remember, they rained on us with stuff. That was a pretty good post.
And then you donate.
That was a trend that I participated in. That is fair.
That was fair.
That was only 30 years ago.
Yeah, I was going to say that was like 15 years ago, but that's fine. We're roping you in, Dave. We're roping you in.
That's it. Yeah, I'm going to make me relevant yet. Nisi is in Minneapolis. Hi, Nisi. How are you?
I'm doing well. How are you?
Better than I deserve. What's up?
Okay, I'm calling because I am in a position where I don't have to pay any household costs as far as rent goes. And I'm just wondering if I should use my income in this time that I have living rent-free to use this time to build my business or use this time to get another job and pay off debt as fast as possible.
How much debt do you have? About $108,000. What does that consist of?
Student loans, stuff in collections, and a tax bill.
Okay. Where are you living? How are you living without rent?
So I converted my SUV into a tiny camper, and I've been living out of my vehicle to expedite this process. And in the process, when you start working on your debt, everything starts coming into full swing. And the next thing you know, I'm getting garnished. My wages are getting garnished. So now I'm thinking maybe I should just put building the business on hold and get another job. But also, I don't have any rent to pay. So it's kind of like, which road do I take?
Who's garnishing your wages?
The state for taxes.
Okay. For a business that you own?
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Chapters
7 chapters
1
How did a viral Instagram 'documentary' trend spark confusion about Dave's daughter?
0:04–7:23
2
What should someone living in their car do when wages are being garnished and they owe taxes?
7:23–36:58
3
How do you set boundaries when your fiancé's manipulative family asks to move in?
36:58–1:07:10
4
How should I build liquidity and split retirement vs. non-retirement investments?
1:07:10–1:08:40
5
What steps should I take before buying out-of-state real estate or starting an investment property?
1:08:40–1:11:07
6
How can I handle company retirement accounts when my employer closes?
1:11:07–1:13:46
7
What personal finance and relationship boundaries should I set when a partner refuses to work?
1:13:46–2:07:05