It's Never Too Late To Build Wealth | July 22, 2026

Jade is so pretty in hot pink!! 🩷

Has the time of this show changed?? I'm in Australia and this use to start 6am for me, listen in carpark at work, now it's not live at this time

So Karen how you going to pay for Health Insurance? It could be 2000 family per month on open market

Dave is at the lake house 🏠 probably. 😎

Military disability retirement with $75k/year fixed income and can't get out of debt? Good grief

Once I spent all but $500 of my savings to pay off my land and truck. I was thinking I could rebuild my savings quickly. A week after the money was gone I needed $2,500 for truck repairs. I spent that $500 renting a car while I saved up to get my truck fixed. Didn't buy anything but gas for a week, then I made four payments to the shop. That was a scary time.

I do have a question. For someone with less than $100,000 to invest, How would you recommend we enter the market. I'm looking to study some traders and copy their strategy rather than investing myself and losing money emotionally.. What's your take on this approach???

FUCK "GIFT TAX". There isn't a single GODDAMN state that will grift any amount of MY money that I pass along to my people, whether I'm alive or dead at the time.

Dawn- following his lead means following his lead! How would you feel if he did something that made you made extremely uncomfortable, not in the short term, but for the long-term weighing on your mind each and every single day? If you truly want to follow his lead as the Bible says, I would follow his lead.

Eduardo is doing a great job screwing up every aspect of his life.

“I’ll be brief”…proceeds to ramble and never shuts up.

Yes, Caleb, you can save up more in your emergency fund before paying off all your debt if you know there is a good possibility life is going to hit you upside the head.

No credit score is NOT as good as a good credit score. Stick with true statements.

Jade, NO home inspection includes the pipes going to the road. That was not the fault of the "inspector," if, indeed, there actually was a home inspection. He likely got only a VA Appraisal which is not a home inspection.

Jenny in Cincinnati, OH - sounds like the boyfriend/fiance did not know the difference between an inspector (who "missed a bunch of stuff") and a VA Appraiser. My guess is that the boyfriend got a VA Appraiser and skipped a home inspector. VA loans do not use "inspectors"—they use VA appraisers who ensure homes meet Minimum Property Requirements (MPRs) focusing on safety, sanitation, and structural soundness. They are strict about dealbreakers like peeling paint, roof leaks, and termites. Veterans are still highly encouraged to hire an independent home inspector. A VA Appraisal is required to secure the loan and determine market value. It is not a deep-dive inspection. The appraiser checks basic habitability (e.g., working HVAC, no exposed wires, solid roof, and no chipping paint). If an MPR is violated, the seller must fix it before the deal closes. Anyone who is getting a VA loan is also advised to get a separate thorough home inspection. NEITHER will check the underground pipes. Jade should not be advising her to tell him to make a claim against the "inspector," or saying the inspector should have checked the pipes when she doesn't know if he got an actual inspection or not.

George is funny! Give with a warm hand instead of a cold hand. 😅

Kris - call with the student loans in forbearance. DO NOT PAY OFF THE STUDENT LOANS WITHOUT READING THIS COMMENT BECAUSE THERE IS AN IMPACT ON HOW YOU DO IT. If you have not been paying due to the Covid pause, you are way overdue and the loans are likely now moved from forbearance to default and reported to the credit bureaus and on your credit report. The pause ended in 2023, loan holders were notified, and as of Jan 1 this year, there are limited choices of what to do with back student loan debt in default. 1) You can pay off the loans, but the debt will stay on your credit report and affect your credit score for 7 years, even paid. 2) You can go into "rehabilitation" and make scheduled on time payments at an amount that is decided for your situation for 10 months to prove you can now make regular payments. At that point you CAN pay it off in its entirety. If you make it through rehabilitation successfully, the default will NOT remain on your credit report. The second choice is your only option right now if you want the paid debt off your credit report which will have an impact on your credit score. (However, the late payments that occurred before the default will remain on your file for up to seven years.) The RS people may give different advice b/c they discount credit scores and credit reports.

I hope dad and the aunt allow this guy to remain in grandma’s house for a while because he has stepped up to care for grandma. They have had no worries about grandma

Jordan found himself a sugar momma and he went wild with a bunch of toys 😂

George probably spends 15% on his eating out. He seems to be okay. He has a paid iff home, no debt and a 401k of $600k. I’m not sure why he’s calling.

Jordan and Taylor…..yikes….sell everything and get control of your spending….

The difference in Dave and his protégés is that the man who called with 5 kids and 40k in savings and 1k free a month who simply wanted to get a 30 year mortgage instead of 15 was mishandled. He valued over wealth the concern of missed time with his kids. It sound like they became so frugal that there are no fishing trips, 4 wheelers, concerts or movies. Dave's protégés while usually keen, just slapped him with the company lines like a doctor's office, "NEXTTT". Hope he gets a 30 year and make beautiful memories with his kids.

The life insurance thing, the new husband should stay out of it unless he has the means to pay for his step kids college.

JMO, after the boys are grown and off on their own, I'd drop the policy.

What do you do when the funds you have tried to set aside for car or house repairs get used for those things? then you start out again at $0? Then have something else crop up before you have more funds built up? We keep having this happen. We have some things we are trying to save for, we get up to maybe $500, then a catastrophe hits in another area, so we rob that fund to cover it, (to avoid debt) but then the thing never gets addressed... Sigh.

Came for the financial advice, stayed for Jade's solid delts
Love yall😂

Everytime people are over 100k in debt a Camper is always involved 😅😅😅😅

Jenny to be honest you should focus on yourself and your fiance does not sound like a smart man and i would not marry him at all. Why buy a 100 year old home which should be demolished or used for artifacts only ? and the guy probaly has never seen any of the stuff in the house because nobody was born at that time to know any of the structure used back then so you have no claim.

Guys don't cut each other off, wait until the complete sentence is done.

No need to choose a mutual fund in the age of low cost index funds.