Mide
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Dave Ramsey and Rachel Cruze crack up over a caller’s unusual kitchen purchase, but Dave quickly shifts into high gear to explain why buying non-essentials before your emergency fund is fully loaded is a dangerous behavioral trap.
Caller: “So my husband and I are in Baby Step 3, and I want to spend $400 on a new kitchen appliance, and my husband and I talked about it. He's listening right now. Hi, my love.”
Rachel Cruze: “Hi, Teresa's husband.”
Caller: “We're trying to decide if it was a good idea or not.”
Rachel Cruze: “Okay, how much do you guys have saved?”
Caller: “We have $1,800 in our savings account, and we have the cash in our checking account to cover it just fine.”
Rachel Cruze: “Okay, and what's the goal for the three months?”
Caller: “Probably around $20,000.”
Rachel Cruze: “What's the appliance? I'm just curious.”
Caller: “It's a flour mill, so it mills wheat into flour.”
Dave Ramsey: “Yeah, I got one I'll sell you used. I got a 5-gallon bucket of that stuff in the closet from two years ago when Sharon had this fad. (laughs) I promise I'll use it. Yeah, that's what she said. (laughs) I believe you will. Here's the thing. The thing that we always have to manage when we're managing these decisions is not the actual little issue of $400, but what it represents in our behavior, in our standards, and in who we are. What Sharon and I would have said when we were at your place: if this isn't an emergency, we can't do it because we don't yet have an emergency fund.”
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Brad Pitt, Leonardo DiCaprio, and Margot Robbie expose the bizarre rules on a Quentin Tarantino movie set, including a strict ban on phones, how Tarantino communicates without email, and Brad Pitt's hilarious reaction to Leonardo DiCaprio's massive posters.
Interviewer: “It's safe to say you guys, that this is probably the coolest film you've been in. What could rival it?”
Margot Robbie: “Honestly, ever since I started working in this industry, I was like, that's it, I've peaked. It's not gonna get any better. It really can't get any better. And then something really fun comes along like this.”
Interviewer: “When you get an email from Quentin Tarantino, and you go, 'I'm gonna open this one! Let's see what's inside this one!'”
Brad Pitt: “He doesn't email.”
Interviewer: “He no email?”
Brad Pitt: “No.”
Interviewer: “What, with a telegram?”
Brad Pitt: “No, basically it's an old voice recorder.”
Interviewer: “He sends you?”
Brad Pitt: “You gotta leave a message.”
Margot Robbie: “Yeah, he does, yeah.”
Brad Pitt: “Yeah.”
Interviewer: “I will be asking him about that.”
Brad Pitt: “No mobile, no mobile phone.”
Interviewer: “'Cause you're not allowed any on the set at all, like, no mobile phones”
Brad Pitt: “Oh god, no.”
Interviewer: “And he's sitting next to the camera at all times. Is that right?”
Leonardo DiCaprio: “Pretty much, yeah.”
Brad Pitt: “Yeah, he's comfy. He's a comfy fella.”
Interviewer: “I'd like to ask you about this giant painting of your face obviously Rick as you drive in and park the car every time, you're confronted with your face. Now, obviously, I'm not gonna ask you do you have your face by your car parking spot at home...”
Brad Pitt: “I've wallpapered my house, and just Leo's face.”
Leonardo DiCaprio: “It checks out.”
Brad Pitt: “It's why he wouldn't work with me for a while, but he got over it.”
Interviewer: “Do you have any of your own posters at home?”
Leonardo DiCaprio: “Not my house, no. But my mother's office is adorable. It's just adorned with every movie I've ever done. It's actually really cute. She does the archiving.”
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Brad Pitt and Leonardo DiCaprio expose what it is actually like to be directed by Quentin Tarantino, revealing the blunt behind the scenes commands they received on set and why Tarantino completely hates holding back.
Ali Plumb: “Welcome. I do want to ask you a very key question here, which is: what is the most memorable bit of Quentin Tarantino direction that you've got?”
Margot Robbie: “Oh, that's a great question.”
[Clip from 'Once Upon a Time in Hollywood']
Interviewer: “So Rick, explain to the audience exactly what it is a stunt double does.”
Rick Dalton (Leonardo DiCaprio): “Actors are required to do a lot of dangerous stuff. Cliff here is meant to help carry the load.”
Ali Plumb: “Because I want to know if anybody got a 'genius'.”
Brad Pitt: “Oh. He didn't, no. I didn't hear a 'genius'. Did you hear a 'genius' on this set?”
Leonardo DiCaprio: “No, I heard a 'just fucking do it'. That was...” (laughs)
Brad Pitt: “I'm hoping he just put it away on this one.”
[Clip from 'Once Upon a Time in Hollywood']
Interviewer: “Is that how you describe your job, Cliff?”
Cliff Booth (Brad Pitt): “What, carrying his load? Yeah, that's about right.”
Brad Pitt: “My favorite Quentin direction is... Quentin is... 'Was that too big?' And he's, 'You can't go too big on my set!'” (laughs)
[Clip from 'Once Upon a Time in Hollywood']
Bruce Lee: “We get into a fight, I accidentally kill you, I go to jail.”
Cliff Booth (Brad Pitt): “Anybody accidentally kills anybody in a fight, they go to jail. It's called manslaughter.”
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@0xMideSol Tarantino's style isn't for everyone, but it's hard to argue with the performances he gets.
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Legendary DJ Steve Aoki reveals the unbelievable origin story of how a rare 12-inch vinyl record accidentally launched the career of one of the biggest DJs in the world before digital music or social media even existed.
Steve Aoki: “Remix happened to be Bloc Party because I had the stems.”
Interviewer: “Aha.”
Steve Aoki: “So when I was remixing Helicopter, I also called my friend who was on tour with M.I.A. at the time, to also remix the other side of the 12-inch. Because there was no digital back then.”
Interviewer: “Uh-huh.”
Steve Aoki: “So you would press the 12-inch and that's how people would hear this. He was also throwing a cool party, and I was throwing my LA party.”
Interviewer: “Mhm.”
Steve Aoki: “So, it's interesting because all around the world there was these little hubs of communities growing where we're playing indie, electronic, underground hip-hop, and we had this cool little thing happening. I was doing it in LA, he was doing it in Philadelphia, someone's doing it in London, Japan, and that's why we would end up if I did a show, I would probably play at those parties.”
Interviewer: “Okay.”
Steve Aoki: “These underground little hipster parties.”
Interviewer: “Yeah, yeah.”
Steve Aoki: “So he did the other side, I did the other side with my friend Blake Miller in Weird Science. And it was his first remix and now he's a very well-known DJ and people know him as Diplo.”
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Audrina Patridge shares a heartbreaking look into the exact moment her marriage shattered, recalling how a violent physical confrontation while holding her baby finally forced her to stop trying to fix the relationship and walk away for good.
Interviewer: “...shoved you, and you were holding your baby.”
Audrina Patridge: “Yeah.”
Interviewer: “Can you kind of walk me through that moment of what you were feeling?”
Audrina Patridge: “It was kind of like that fight or flight mode, like I kind of froze and I didn't know what to do. But things kept escalating and when I was pushed back, Kirra started screaming and crying, and then I started crying, and then he realized what happened and then he started crying. It's just like everything just spiraled, and it got worse. And it's like that's when my family got involved and when the police got involved. And that's after going to therapy and trying to make it work, it's like, you're not changing, you're not wanting to change. Like, I can't do this anymore.”
Interviewer: “Not only is it obviously not okay to shove you, but the image of reading it, of you holding your daughter while he's shoving you, it's just like, heartbreaking. Because it's going back to like, the fight was wasn't it about he thought you were cheating again?”
Audrina Patridge: “Yes. Well, not that I was. I knew that he was.”
Interviewer: “He was cheating, yep.”
Audrina Patridge: “And at that point, I was so numb, I didn't care. I was kind of like and I talk about this in the book I got to the point where I was almost like, 'I'm glad that you're cheating. Like, go be with anyone you want, just don't touch me. Like, I don't want to be around you. Your energy, like everything, it just made me want to run.'”
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A 20 year old making $56,000 a year thinks he is beating the system by using a standard investment account to buy a house early, but Dave Ramsey exposes how this exact strategy triggers a massive $700,000 tax trap.
Caller: “Twenty years old. I'm living at home. I make around $56,000 a year and I cash flow in college. So, recently I started investing in a brokerage account and I was wondering, is it wrong to primarily invest into a brokerage account?”
Dave Ramsey: “For what purpose? I don't understand your...”
Rachel Cruze: “Just in general?”
Caller: “Yes, so recently I'm thinking more about it, I should put money into the retirement accounts, of course, but I was kind of wondering, is it wrong to put more money into the brokerage account versus retirement accounts for the purpose of saving for like a down payment on a house or being able to use that money before the age of 59?”
Dave Ramsey: “Yeah. Yeah, if you're saving for the short term, next 5 years, and do no retirement and just stack cash for your down payment, that's fine. And then, you know, you do need to get the Roth long term working in your benefit because from age, let's say from age 25 to age 65, the amount of money that is in the account that is growth is about 90% of the money. So let's say you had $2 million in there, then somewhere around $1.8 million of the $2 million is growth.”
Caller: “Mhm.”
Dave Ramsey: “That means it's all taxable. You're going to pay taxes on $1.8 million if you've got it in a brokerage account. If you've got it in a Roth 401(k), zero taxes on that 1.8.”
Caller: “Right.”
Dave Ramsey: “And taxes on 1.8 sounds an awful lot like $600,000 or $700,000. So, right, long term, you don't want to only have a brokerage account. Long term, you also want to have the tax savings of a Roth 401(k), Roth IRA.”
Rachel Cruze: “Yeah, and the question you're asking is fair to say, 'Hey, do I want money tied up until I'm 59 and a half?'”
Dave Ramsey: “Yes, some of it.”
Rachel Cruze: “And so that's it. So I would frontload your retirement, take care of the Roth IRA, take care of the 401(k), and then anything beyond that that you want to be able to save in a brokerage account, you know, get some index funds, whatever that is for you, that's great. Then you can take it, but I would do that second to all the retirement. Go ahead and get all that funded”
Dave Ramsey: “And third behind buying a house.”
Rachel Cruze: “That's right, the home. Yeah, exactly. So”
Dave Ramsey: “Yeah, sometimes, Connor, we get the question like a 40 year old is worried about, 'Oops, I might want to retire in 10 years at 50, and I can't get to anything till I'm 59 and a half.' And in that case, you do what Rachel's talking about, and that's your third step, what we call bridge investing, and you'd have some brokerage account, a S&P 500 account, whatever you want to put it in, and you build some wealth there that you can use for those in-between years until you get to the Roth tax free. But don't avoid the tax free growth. That's a million dollar mistake minimum for someone your age. That would be a huge mistake.”
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@MattWallace888 That's some instant cuck energy. Regular fan grabs the jersey? Swing and tech. Morgan Freeman? "Sorry massa, my bad sir" Celebrity worship is pathetic as hell...
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@NOlivier17 She pulled the bra out faster than she pulls out of relationships when it gets cold Modern feminism in -20°: "Free the girls... from the car window.
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@iTheWolfman Peak single mom content: shaking ass in a bikini so the future step-dads in the comments know she's still got it while the kids learn to sink
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Dave Ramsey brutally exposes a 21 year old caller who is about to make a massive financial mistake, showing how working for a "family business" you don’t own will leave you broke while your siblings inherit all your hard work.
Dave Ramsey: “Saying family business, and yet you don't own anything.”
Caller: “Yeah, because, I mean, my parents like I said, my parents own it, but they have kind of, like, I have talked with them, and we've kind of come to an agreement where they want me to basically take the lead on it, because they're nearing retirement, so”
Jade Warshaw: “Right, are they paying you?”
Dave Ramsey: “No kidding, how are you getting paid for this? That's dumb. They want to hire their 21 year old, who had other life goals, to now be a property manager is what you're saying, because you're getting nothing out of this. No, I don't want you to do this. Because you read an article on TikTok and got excited about real estate, no.”
Caller: “So even if”
Dave Ramsey: “You don't own it!”
Jade Warshaw: “If they don't if they don't enjoy property, they can always sell the properties and invest the money.”
Dave Ramsey: “Yeah, you don't own it. Nor anywhere in this discussion have you ever owned it. You've never indicated anywhere in this entire thing we asked you four times, 'Are you gonna own it?' 'No, I'm just gonna run the family business.' Well, then you're just a stinkin' employee.”
Jade Warshaw: “And I don't even think they've said that to you, that they're going to pay you money or a certain amount of money to run this. They haven't said that.”
Caller: “Yeah. Well, I guess like, I mean, following the logical line of progression here, I guess eventually me and my siblings are going to inherit it. So”
Dave Ramsey: “And your siblings are going to benefit from all your work because you're not.”
Caller: “Yeah, so you think I should”
Jade Warshaw: “I think you're I think what's happening is you're operating on a set of assumptions, and they are massive assumptions. You're assuming that”
Dave Ramsey: “You're gonna end up with this.”
Jade Warshaw: “you're gonna end up with this, and that you're gonna have a bigger percentage of this, and that there's gonna be a family business. You've got a lot”
Dave Ramsey: “Let's play this out. Let's play this out. You go in there, and you work for a few dollars, enough to support you while you screw with this, and you run this from $5 million to $20 million. In 10 years from now, your parents die, and your siblings now have one third of $20 million that you built.”
Jade Warshaw: “You're gonna be pissed.”
Dave Ramsey: “That is not a good plan.”
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