Dave Ramsey's 'Shortest Call in Show History' Came From a 20-Year Listener With $211K Cash and a Mortgage — You Can Probably Guess What He Said
When you see a video titled "This Is the Shortest Call in Ramsey Show History," you expect chaos — a prank, a hang-up, maybe someone trying to sell Dave on Bitcoin. But this call wrapped up fast for one reason: the guy already knew the answer.
Chad from Augusta, Georgia, finally dialed in after 20 years of loyal listening. His question was simple, but the stakes were high.
"I have a mortgage just about ready to pay it off," Chad said. "I'm a real estate agent and... it's a big chunk. I think I'm there, but I'm looking for maybe a final confirmation."
The man had $211,000 in cash and a $95,000 mortgage. He wasn't debating a new car or flirting with meme stocks — just wondering if he should write the check.
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Dave Ramsey didn't miss a beat.
"Good Lord. Pay it off today," he said. "What are you doing? You don't need to think about this."
And that was that.
Even co-host John Delony didn't get a syllable in. The clip, posted to YouTube under its now-famous title, clocks in at barely a minute — and it's racked up over 1.3 million views.
To be fair, unloading $95,000 in one shot isn't something most people do lightly. That's nearly half of Chad's liquid savings. The mortgage payments might be manageable. The market might look tempting. And with an unpredictable income like real estate, holding back a little cash can feel like a safety net.
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But that's not how Ramsey rolls.
"You knew what I was going to say," he told Chad.
It was a mic-drop moment — not because it was surprising, but because it was so unapologetically Ramsey. No hedge, no hand-holding. Just facts and finality.
Some viewers called the call "oddly satisfying." Others said it's why they've listened for decades: Ramsey keeps it simple and doesn't dance around what he believes.
Of course, not everyone agrees with the math. If Chad had paid off the mortgage and invested the remaining $116,000 in an S&P 500 index fund at 7%, he could've earned around $8,120 in a year. A 5% CD? That's $5,800. Meanwhile, if his mortgage rate was 3% — a common figure from the past few years — he'd only be saving about $2,850 in interest.
But Ramsey's never claimed to be chasing yield. His philosophy is emotional, not just financial. No payments means no stress, and no stress means freedom.
As he's said: "Personal finance is 80% behavior and only 20% head knowledge."
For some people, wiping out debt feels like flipping a switch. For Ramsey, it's the whole point.
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Over the last five years, the price of gold has increased by approximately 83% — Investors like Bill O'Reilly and Rudy Giuliani are . This article Dave Ramsey's 'Shortest Call in Show History' Came From a 20-Year Listener With $211K Cash and a Mortgage — You Can Probably Guess What He Said originally appeared on Benzinga.com
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