Even The Bible Says This Is Stupid!
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- เผยแพร่เมื่อ 21 ก.พ. 2023
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"We're not calling you stupid, Debbie. The Bible did." 😂
You don’t get 24 points on your license for simple speeding. He was either on his 10th ticket or going 100 mph and ran.
my thoughts exactly. I WONDER how he blew his transmission so quickly
@@ndwhitlow yep. His mom needs to stop enabling him. I can’t imagine keeping him on your insurance after his second ticket. He’s already proved he isn’t responsible.
Did she say at the beginning she’s proud of her son for going to work everyday?
@@josephsantangelo2801 he goes to work every day 😂
I don't know much about the point system, but I do know that you have to do something pretty reckless. This wasn't for exceeding the speed limit by 5-10 mph. He was reckless. I Would not be surprised if a DUI was involved.
You don't just "lose your license". He has a serious history of speeding and.or other driving infractions.
I assume that there must have been more than one speeding ticket on the interstate to lose his license????
He likely had an excessive amount that he probably also didn't pay
She said he had 24 points. That’s like 12 speeding tickets over 100 💀
What we have here is a total disregard for the law...
Proverbs 17:18 NIV for those that want to know: "One who has no sense shakes hands in pledge and puts up security for a neighbor."
Thank you!
24 points 😂 that boy’ was in a RUSH for that piece of a## !
🤣🤣🤣
He should have taken care of that before driving. Maybe he would have driven more relaxed 😂
@@lauvasquez7198 Exactly, he should have rubbed one out first before making the drive.
😂😂
Why are so many parents coddling their offspring into their 20s? Let them grow up and make their own way, otherwise they are never going to grow up. Parents have got to stop enabling childlike behavior in their adult children.
One of the most annoying scenarios I deal with in my business: Stupid parents who buy their kids new cars.
Jade makes a good point about cosigning. The person needs a cosigner because the bank doesn't think they are able to pay!
He prob needed a co-signer cuz of his age and job history
Right. If someone needs a co signer, that's usually not a good sign.
The bank was right.😂
@@reese85 because that means the person can’t pay regardless of history or age
@@topsykretts2264 it doesn’t mean that at all! It just means the person is inexperienced! So there looking at him as a risk, vs not being able to pay
21yo with girlfriend who lives far and has a new car that can go fast. What could go wrong?
My buddy got a 5.0 mustang in High School and totaled it. Another got a v8 F150 and totaled it. Get your kid a slow reliable old car. No Turbos.
To be fair, both of those are naturally aspirated V8’s not turbo engines
Turbo doesn't necessarily mean fast anymore. Usually, it means car with tiny engine and the turbo isn't going to make it near 100k. Completely agree about giving teens new and/or powerful cars.
@@Emerica771 Mom in original call bought her son a new turbo so i mentioned it. my buddies dont need turbos that would make them even faster lol
Good advice from wise women.
We were all young and dumb, but it is best if our parents do not support any more bad choices.
The answer to all car issues is a 94 Toyota Celica. Like if you get the joke!
Maybe go with a 1945 Tom Celic...
Scotty!
or corolla or camry or civic. Say hello to Scotty
No joke . If it runs reliably,drive it . 😂😂😂
Not a lot of those left in good shape any more. Most are rust buckets or leaky disasters. After 30 years it’s an antique, not a used car. But I do get the Scotty reference :)
Buying a turbo car for a young male is stupid. No wonder the transmission went out, he drove it like a maniac. He needs to be in a used Corolla and pay for it himself, if he ever grows up.
We bought our kids' first cars with cash. We gave them some money towards their second cars. My daughter still drives that car, while my son replaced his with a car bought with cash.
Congratulations.
@@tiermacgirl He didn't mention that his daughter used the money towards shoes
My parents did it for my brother and it bit them cuz he stopped paying. To be somewhat fair, my parents taught and told us squat about money.
I didn't buy any of my kids cars and I didn't pay for cell phones either. You want to have adult things you get you a job and you do what adults do, Pay your Bills
My sons first vehicle I said whatever amount he saved I would match…gave him a feeling of pride,and he is invested too hopefully more careful aware.
A good hard life lesson that Jim will remember for the rest of his life.
This is not even a big deal
What lesson was that exactly?
@@reese85 mom will bail him out, lol
What I think should be done with your kids is either give them a fixed, small budget(5-6 grand) for their first car and allow them to do their own research or match whatever money they put in for a first car. This obviously involves some level of self sufficiency and good communication, but it makes sure the kids have respect for the vehicle and they’ve done their research about the car itself. Just offer them a bit of guidance like they have to get a pre purchase inspection by a mechanic and they have to look up online the common mechanical issues before they buy a car.
My 1st car cost $1000 which I paid for! These kids are spoiled brats! Sliver spoon 🥄
I don’t know why people don’t do this, but more people need to look into 2000-2010 used American cars. It was a period where most cars were really reliable(except the Cadillacs) and they can be had in good shape for $2-6 grand. Things like the Mercury sable or any of those panther platform sedans or old Buicks are awesome and driven/maintained by mostly old men.
Former Malibu owners disagree.
Make that Japanese cars and I'd nod my head in agreement. I'm an '06 Honda sedan owner and am loving its reliability.
@@ericventuroso3544 those mid 2000s Hondas have a reputation for losing automatic transmissions every ten years
I have a 2007 cadillac escalade 220k miles goin strong
disagree. more like geet a Toyota corolla 2010 and call it.
This lady really needed Dave on this call. Rachel and Jade too scattered and skipping over things
Then she shouldn't have called the week Dave was out of town doing live events...
Didn't you listen to the effective conversation and the teaching turnaround? Women roll that way. You just didn't want to listen to it
If Jim has a good job as Mom described he can ride a push bike to work until he can afford a car. At 21 it’s time to man up or he’s going to be running to you for the rest of his life
Never co-sign a loan
If they private sale instead of sell it to the dealership they can probably get 12-13k for the car, then she only needs a 2-3k loan.
How bad of a driver do you need to be to lose your license on one trip without a dui
If he can’t afford a car. Ride a bike
I’m confused…if you lose your license, why do you need a car?
Sell it.
We need the Debbie and Jim’s of the world! Otherwise we would lose pawn shops, lotto, small business dealerships, probation officer job demand would decline, Philip Morris and Pepsi Co would be out of business.
The list could go on.
My opinion: never co-sign for anything - for any reason. You are taking on someone else's debt and there is a reason they can't get it by themselves. Just don't do it.
I co-signed for my son too. They also put the title in my name. We were taking FPU and the week after I co-signed the loan ww saw the video on Don’t ever co-sign for anyone! 🤦♀️
Really dumb I will just sell it and make him pay the $5k loan and never do anything big for him again .
Nah that’s still her kid! So doin other big stuff for him should be a giving
@@reese85 nope he is a adult
@@queen.kristal8395 that don’t matter! Still her child! Idc how old my kids get! Imma always do stuff for them if need be
@@reese85 and that’s how kids never learn responsibility
@@acidman5 my kids are goin to be very responsible and I’m also goin to help them when needed! Both can easily be done! Just because you guys don’t wanna help your kids once they become adults is on
The only reason a bank requires a co signer is they don’t believe the loanee can pay the loan back. If the bank doesn’t believe it, why should you?
I remember my parents wanted to cosign on a car loan for me if i couldnt get approved on my own, i was immediately against that not only because i didnt want their help but if i went and did some dumb stuff in it i didnt want them to be able to take the keys from me lol
Consigned or not! They shouldn’t be able to take keys away from you on a car your paying for!
@@reese85 yes you are right my parents are a different breed lol. There terms when they offered were they get the spare key and the minute i got in trouble with it they take the other key and i was like nah not happening if im making the payment.
@@Your_pal_jsal yeah that’s insane lol
@butchnoneed4883 I wish my parents would try and take my keeps away to a car I’m paying for! Yeah you prob helped me get the car but I’m paying for the car and I’m not a child where you can just take things away from me! You can tell me to be more responsible but your not taking keys from me
This is a beautiful episode of the ramsey show😍
How in the world did she not know she co-signed on a car, and did her son really lose his license for speeding? The son's stories stink.
The explanation of “co-signing” means she signed the document!
@@vinnieboombotz2001 sure, but with a loan, that comes with obligations. She may have to pay the loan if her son won't or can't pay it. I would hope people are well educated enough to understand something so basic.
Never cosign unless you can afford to pay it yourself. Your son is an adult - he can fend for himself.
Do not co-sign.
Sell more snacks little Debbie lol
LOVEEEEEEEE these two together! So awesome to see young women doing this show together!🎊🎉
Terrible advice. Too bad Dave wasn't there to help. Goodness. At least it's not as bad as ol' Dr. John convincing people they are miserable and they had a rough childhood because they took out a stupid car loan.
@@disco4535 I'm curious what's bad advice about having the adult son actually being accountable for his actions? Maybe I'm misunderstanding?
He is 21. The problem was caused by HIS SPEEDING TICKETS (not his mom's). HE should deal with it.
Been there done that 😂😂😂
The dude got a DUI lol. You don't lose your license for speeding. Why do people have to lie?
My mom cosign for my new car before I filed bankruptcy in 2020. 3 yrs later never once was late and been dealing with cash ever since. Let's pray I make the last 2 remaining years with no issue 🙏🏽
Rebuilt trans for that car should be around $4k installed. If the dealer quoted $9k, that was probably for replacement with a new transmission. At any rate, if you decide to pay $9k, make SURE you're getting a "factory new" transmission.
Fancy sports cars, especially those with a turbo, are usually expensive to maintain. Especially, with a young male driver, (they tend to push it pretty hard).
My daughters are getting 20 year old Toyotas. A hooptie should be a right of passage!
That's if you're going to make the mistake of even wanting a vehicle.
24 points, he is a loser! sometimes as a parent you have to realize that.
24 points, he ought not to drive for the next 10 years
Gasp! Did she just tell someone to get a loan?😯
Good sharing 🤗💗🥰
He should have been driving a 10+ year old car that was purchased for less than $5K. But, that particular car model is in fact highly sought after. They can sell it for $15K and wipe the slate clean. The son needs to purchase his own used car after he gets his license back and take care of himself. The veloster comes with a 100K powertrain warranty. Just sell it, might even make money and then let him take some responsibility. This mom needs to step away for this.
If he cannot afford the car, why would you buy it for him?
Everyone I know that has one of those cars has had transmission problems
....sounds like being married to a Millennial spouse.
Our sons had to pay for their car if they wanted to drive. We paid for their insurance until they finished college. They both had enough so they learned to drive on their car and were much more responsible drivers because they were never allowed to drive our cars.
I'd sell the car and call the loss "stupid tax". And tell my son it is time to grow up.
hmmm speeding tickets and transmission went on a brand new car...guranteee this kid was abusing that poor car
i was that son at one point, not with 24 points mind you, but i had a cosigner and i missed payments because i didn't understand money at the time.
ended up doing the same thing, selling the car and got a cheap 04 hyundai that i paid in full
This was good advice but I do have a question: how did the dealer get mom on the loan without her knowledge or signature? That is fraud right?
I was wonder too how is that legal.
Right ! You don’t co-sign without knowing. My mom did it for me and stressed if you can’t pay let me know! 💰 🚂 🏦
@@jimmymcgill6778 She didn't look at what she signed. It wasn't fraud. She signed.
@@jimroscovius If they switched her name as the primary. Then that is fraud.
@@jimmymcgill6778 Not if she signed it. She should have looked. Always look before you sign.
I didn’t even get a brand new car until my current car and I’m 50!
How is it even legal to switch the name on the loan?
Jim how do you think the dealership got her info to put her on the loan?
@@reese85 Had to watch it again, it was confusing the way she was explaining it.
I thought she meant that they switched it some time later.
Amen. Fantastic advice from women who reverence the Lord.
9k for a transmission? Good thing nobody wants a manual anymore, that’d be like 3k max
Manual rarely break, and clutches are cheap.
Velosters come in stick, they just choose the boring option lol
Love the green smile top. Where did you get it?
Mama needs to cut the purse/apron strings and her son needs to grow ASAP!
When I was growing up u didn't buy 21 yr olds cars!!! You borrow your parent's car until you could buy your own
Great idea to match
Rachel lookin good in this video
Let's be clear: banks don't GIVE anyone money.. they LEND it to you for a price (interest).
That's why I only drive the Bugatti that others (non- family) cosign for then it's catch Me when you can and believe me it's fast 🤣
Son is A Winner!
The point of raising kids is to make them not dependent on you. If you cant follow that it hurts everyone, your kid the most. Please, for all of us, raise your kids
Yeah....it's not "under her credit" without her knowledge. No way, no how.
What does people think about national debt rate program? Is it good or bad?
Why is the Mom on the hook for 5k if her son is still living with her and if he sells the car, no longer has payments for it or the insurance? If son can still get to work, or work from home, charge him a couple hundred at least a month to repay the loan.
Mom still has leverage over her son.
Hey Dave you think about the 30% rent based gross income rule?
Love Rachel!
Rachel’s face says it all here LOL
So I'm a kid early 20, and my mom co-signed for my 15000 car, I currently work a job as good as my dad's (I can pay it off in a year and a half), and my mom is an accountant. The reason why I didn't go with a cheaper car was because I did buy a 3500 car when the price was high and it broke down on me in the middle of my work week (dead dead, three mechanical minded friendsall said so), we bought that new car on that weekend and it was the cheapest they had from a good dealership. Do you think I made the right choice, or how would you evaluate this situation? (I also sent the video to my mom so that she can think about it)
Thumbnail Title!!!! Yes, Raw!
Def click bait 🤣
You cannot help the kids too much they will take advantage
Me 61. No car. He can get a
City bus pass for about $75.
If he lives in a metro area
He really couldn’t scrounge up the 300 bucks a month? I would do everything before I stiffed my momma
Too much time spent on this call 🙄
Are you referring to the borrower is served to the lender?
*slave, not served
✝️🙏
Funny, the first car my dad bought me when I was 20, and in college, was a $500 1976 Vega. I did not ding, crash, or ruin anything on it and drove it many many times across state from University to home 300 miles each way. I eventually got a job after college, and then bought a 1986 Nissan truck, with cash, and gave the vega to my brother's stepson. So to say young people will ding and crash cars is stereotyping teens and young people. Of course this was back in 1988. So maybe I fall into the not normal. 🤷♀ I do agree about not co-signing, especially something that expensive. My mom did co-sign something with one of my brothers, I don't believe that worked out well for my mom. Again though that was back in teh 80s, and my brother eventually grow up and made amends with mom. But she learned a lesson for sure.
Why would Jim need car insurance if he lost his license?
Required on financed cars
We all know why Sam cosigned for Jade.
The bank doesn't give money to anyone as you said. I don't want their money either. If I don't have the money then I don't buy simple as that. It doesn't mean I'm not trustworthy as stated in this video I just rather spend cash and have done so for 14yrs now . According to the banking world I'm not trustworthy but if that's the way they want to be oh well I'll just keep using cash and if that's not good enough then oh well don't need it
It's not that they say you're not trustworrhy, but that they just don't have data to determine if you are.
I'm 35....Paid, and still pay cash for everything....If I don't have the money....I don't buy it...Every vehicle I've ever owned is paid cash money......Never missed rent, or electric, car insurance payments in over 17 years....Does it mean anything.....NO....Co-signing doesn't mean you can't make a payment....just means you don't have a paper trail of evidence for them to evaluate if you're responsible or not.....And yes, God does say not to put yourself in the position this lady is in....✌
my parents let me borrow their car until i could buy my own
At 4:33 what scripture are you paraphrasing?
Proverbs 17:18, I believe.
Terrible advice. He’s 21 and needs his own insurance. He’s making the payments. Mom said it herself that he has a good job. Make him get his own insurance and pay both car payments and insurance. It’s that simple
In some states, if your child live with you,their insurance is combined in one household. For him to get his own insurance, he has to move 20 miles from home. Under 25 has the highest car accident. I just learned this.
They always have to find a way to blame the man.
@Jimmy McGill it's his tickets from his own bad decisions...but sure, he's definitely not at fault here 😒. Are you this son? Lolol
@@jimmymcgill6778yeah the son is full blame here
@@Globewanderer000 lol
Good job Jade 🥴
On 2:26 min still sell tree car and 🏃♂️and keep the money unless he decides to be a good steward and change like taking peace university
NO. He was paying. He doesn't need to take anything.
Um Jim needs to pay the deficit
Aren't those trucks worth $80000 or more? Why is a kid driving a truck worth probably twice his annual income?
A Veloster is not a truck. She said it was bought for 18k.
@@jimmymcgill6778 He prob thought it was a Velociraptor.
Rachel lookin extra pretty
What exact piece of scripture are you referring to?
The Bible bwhahahahaha
Oooo liar liar you don’t loose your license for speeding