Listen to Rachel at about minute 24 and learn WHY you should never mingle finances and buy a house with someone to whom you are not married. What a mess! I hope she has the backbone to take this situation on.
Yep. had a relative that bought a house with her boyfriend. Relationship blew-up within 6 months and they had a financial mess on their hands. Lesson learned (I hope).
@@brucefredrickson9677what's the mess, honestly? If one person on deed, then the person not on deed loses out on equity (knew that before going into the house). If both on deed, sell house and split equity, if any Not arguing with you, just wanted to discuss
I'm a 22 year old married mom to a 5 month old. I'm loving Dave's show. His no-nonsense advice is amazing. His problem solving skills is so great! I love it.
I don’t know why people are so pressed about the phone call regarding Jayden’s question. Am i the only one who understood where Dave is coming from? Jayden asked if he should buy a house now with 3.5% down or wait and put 20%. If you’ve been listening to the Ramsey show they always say the best way to buy a home is with 100% cash if not do 20% down with a 15yr fixed rate loan or if you’re a new home buyer to put down 5-10% with 15yr fixed rate loan. So that answers that question. Then they asked why renting was NOT an option and Jayden’s reply (at least from my pov) is because he has a large dog and most places will not allow pets. Well rather than explaining all the reasons, Dave is plainly saying you and your wife/gf whatever come first and if you want to save money and live in a comfortable place dog had to go. But if you want to keep the dog and live in a van or rush into buying a house to live with your dog then that’s on you. Maybe I’m old school like Dave because if i have to choose between my life/my partner’s life or a pet… well I pay the bills not the the pet.
Haha. From a money perspective I totally agree with you. But I admit I had a soft heart when it came to my boy (Rottie dog, passed away a few years ago now) and made decisions for him rather than for me. I knew those decisions were not always sensible. I would have been homeless before I gave him up, and had I given him up I would have felt guilty for the rest of my life that the life I had was based on the mistreatment of a creature I had claimed to love. I couldn’t rent easily and probably paid more for rent than I should have, and I probably ended up buying a house earlier than would have been sensible. But I did make other good (not that keeping my dog was bad, but I mean good as in financially sensible) decisions and so once he passed away I was okay. Now I’m still in and paying off the house I own just outside Edinburgh, Scotland (chosen over a fancy flat in the city centre with barely a commute due to it having a garden I knew my dog would enjoy) and I have no regrets. But yeah. From a purely financial perspective (no consideration of morals or the heart or anything) he’s absolutely right.
@@Charlotte-ti2ykNot just from a financial perspective. Dave was saying you need to put your finances need before your dog's. That is not about money but priorities.
Getting engaged with no set date or one years from now is called getting a shut-up ring. It's where an uncommitted man proposed to shut his girlfriend up on the matter of marriage and kicks the can down the road (sometimes a woman will say yes to a proposal to not lose the boyfriend and also kick the can, but thats not as common). Not saying that happened to Rachel, but the "paint or get off the ladder" situation is called giving her a shut up ring.
A lot of men are committed but hesitate because marriage isn't very romantic. All the companies that profit off it try to make it seem like it is, but if two people are already in love, they don't need a government contract to prove it. It's just an excuse to blow money and feel special. And like it or not, there are people who use marriage against men, divorcing them and taking everything from them. I think it's much more romantic if two people choose to stay with each other and the only thing binding them together is love, not a contract.
For a long time, I was torn between keeping my 14k invested or should I used it to pay some of my line of credit balance of 30k. This show made it clear what I should do. Thanks to the Ramsey show.
Its like a curseword when Dave tell people " get married FIRST before mixing finances and buying houses". They are so sure of the person theyre ENGAGED to. Poop happens.
The beauty of the Ramsey plan is that it isn’t personal. There are a very clearly defined set of steps to follow to become wealthy. Those steps don’t involve making decisions based on feelings. If your through steps 1-3, go to 3b which is save up 20% of a house payment and buy a house on a 15year fixed where the payment is no more than 25% of your take home pay.
I work as a Data Analyst so i must be the first to say correlation is not equal to causation. When talking about characteristics of people who do not live at the poverty level, those sound more like the characteristics of a person with good morals. Its like saying, rich people usually brush their teeth twice a day. Doesn't exactly mean that brushing your teeth will make you rich, just means that that is a characteristic of most rich people. All that to say your chance to be in poverty has not a lot to do with your wedding date or if you had a child young, and more with the type of person that you are and where you strive to be in life.
You're definitely not the only one around here to recognize shallow sales tactics for the sake of argument. Reminds me of a guy at work who used to debate me in large meetings by asking me yes/no questions, and cutting me off with loud yes/no reminders, for what is not a binary position. He wasn't wrong "technically", but he wasn't properly conveying circumstances and consequences, to a room full of novices, who need to make an informed decision.
Dalmatians were used as fire dogs because their contrasting colors are more easily seen in smokey areas and many are deaf so the sirens don't bother them like they would most dogs.
My dog is like my child. Never would give her away. I'd get an apartment and pay extra, or rent/buy a cheap trailer home. Even if the value goes down, it's temporary until he puts aside 20%.
As a retired (5 yrs ago) Realtor, I agree with Dave (to Shari) for the most part. But I had already been a sole proprietor for twenty years. Interesting perspective, “Realtors work when other people aren’t.”
I was so glad Dave told him he failed FPU. It seemed odd he said he went through FPU but he really doesn’t understand the principles of the baby steps.
I'm not a fan of his "We surveyed 10000 millionaires." speech. This works well against office politicians, for salesmen like Dave. I take orders from personalities like Dave, to make any set of data appear as a positive or a negative, depending upon the intent. I have been a systems engineer by trade for a long time. If a survey found 0% of stuffed animals kill children, I provide contextual data to someone like Dave, who could then use his sales communication prowess to convince the masses that buying stuffed caterpillars for your young children is an absolute no no. People who can do this well are often in titled positions of continuous improvement, lean six sigma black belt, etc. "This is data, people!" 😂
It would have helped if she periodically worked PRN (on the weekends) while she was a stay-at-home mom, maybe two days a month. She could easily make $400 shift at least. That would pay her license and give her bonus money.
I love Dave and I always follow his advice but giving the dogs up it is NOT an option❣️I've always lived with my three dogs choosing places where they allow dogs❣️There is always a way to keeg your dog and find a good place to live,I've done that for 16years❣️
Ashley, you got off easy! You don’t realize how difficult getting out of that lease could’ve been. You could’ve been carrying that monkey on your back for years to come. I would certainly sacrifice the equipment ….count my blessings and move on.
I don't think she was listening very well. It's like she is thinking more about punishing the guy rather that making a smart financial decision to cut her loss and walk away.
Damn I'm a security guard and my wife is a cashier/customer service and we make $135k with no student loans. I do work 6days a week, lots of o.t. and 2 jobs on weekends
For the first caller, I hope his ETF isn't invested in his RRSP. Cashing that out in Canada is equivalent to cashing out a 401K in the US and there are huge penalties.
I have a friend who rented out her house ostensibly to a roommate...lives in her minivan. No city regulations or rental license required. When she is debt free she will move back into her home.
Honestly it's kind of annoying seeing Vans parked everywhere with people living out of them. Our society is not built for this mode of habitation. Those of us who pay property taxes to live in a nice neighborhood do not appreciate this lifestyle choice. If you can't afford to live in an area then you should move somewhere else.
Dave doesn't realize that "fiance" today is just someone who thinks they have a serious relationship with someone else. If there's not a ring and a date, you don't have a fiance!
Yes, in today's cesspool of a culture "fiance" usually just means that they are shacked up, playing house and want people to think they aren't irresponsible.
@@amireallythatgrumpy6508if your atheist worldview was reality there would be no reason for anything and nothing would matter. You’re stardust. When did star dust started demanding people to be nice to one another?
I'm different now I guess I'm just super adventurous because I have a dream to live mobile Either a campervan or an RV. Hello camping backpacking hiking kayaking all that stuff and travel I wanna see the world and I'm sick of paying for hotels and I don't have the money for that right now anyway. When I think of living like no 1 else so that I could live like no 1 else this is on the top of my mind.
I acted like I was married for ten years. Raised the girls and paid for everything. One day after work I came home to an empty house. I ended up paying all the debt from that relationship. I did it for the kids is what I told myself constantly. Man was I wrong. At the end of the day the system said we are not married and those are not my children.
3:10 I love this advice. Same thing as Dave says to people who question paying off their mortgage. Pay off your house then if you don't like it, take out another mortgage.
I gotta say, I didn’t find much value from calling in today. I don’t feel like my question was even addressed. I have enough money for a down payment on a house right now so I don’t know why I would rent. He didn’t give me any reason to rent a house other then the fact that I live in a van and I’m incapable of buying a house? I hope other people actually can get some value out of calling in. I felt disrespected and not taken seriously. If he would have asked some financial questions the segment would have gone a different direction. Before I got my new job I was fresh out of high school, no parents house to rely on, and no money. My girlfriend and I decided to do the baby steps and get ourselves into the van with a 4 year plan to get into a house. I wish Dave would have taken me seriously because he was such a inspiration for everything I’ve done. Live like no one else now so you can live like no one else later as Dave would say.
Go buy your house 🏠 and keep your Dog this call in made me mad as he was more intrested in going around the question and implying to get rid of the Dog 😡 good on you for being a good Dog owner 😊 go get your house man good luck 🥰
Dave gives excellent advice but in your case he was WAY off. But as always people need to either take his advice or not. You are making the right decision!!! Give that dog a hug! You are a great dog dad!!! 🙂 If I were the girlfriend I would still be living in the van with the dog so we could get more cash saved. But that is me. 🙂
At the end of the day Dave is human too. We all make mistakes. I don’t think he knew all the facts of your situation and i don’t think he knew you had enough for a down payment. Just remember he’s not perfect, nor is anyone. But overall obviously he’s a very good person with lots of wisdom.
Well if you wanted an answer, the answer is, "No, don't buy a house at 3.5% down", cause there's a chance you won't be able to afford it if something happens down the road to jeopardize your new 100k salary that you haven't had for even a year yet. I'm not sure about renting neither tho, might as well keep living in your van if you cool with it bruh Keep waiting till you can actually drop that 20% skip the renting entirely, and you saved money by being basically homeless for ~4 years. Not bad plan, if it works.
It seems like you have a good head on your shoulders and he dismissed you completely. I had to turn the episode off. I personally would wait for the 20% so you don’t have to pay private mortgage insurance and let the market settle a little. You sound perfectly capable and responsible enough to purchase a home. People always warn of buying a home with someone without being married so maybe make sure the two of you have a good agreement set up in writing and notarized if things don’t work out. Missed opportunity by Dave on this.
To the rad tech I am a travel cna you can make an awesome living wife and I do this we both love it. You can make a very good life for you and your husband. Best thing set your own schedule. You will be OK. Go for it I have 13 years experience in the field.
Marriage is the only thing I tend to disagree with Dave about. If I married the few people I wanted to, I’d probably have died of old age by 24. Also more than 60% of my wedding photography clients broke up before they reached two years of marriage. Not exactly great stats. But I’m single and rich! 🤑
It's about commitment. Why would you COMMIT to half of the debt with someone else on items as big as a house, an expensive vehicle, and a loan without having a personal commitment back as an indicator that person can keep a commitment (relationship or financial.)
The other side is: my bf thought the same, dragging his foot to marry me saying marriage is a trap. I left, and 2 months later, he impregnated a date. He still insited no marriage or moving in. If he keeps on this track , he will have a couple of baby mamas without a life partner.
Just bc people are bad at doing something doesn’t mean it’s right. They are just doing it wrong. Plus, people today can’t even tell what a women is so don’t be too surprised they can’t have a successful marriage.
This whole comment section is a cesspool and proof that people in this country are obsessed with dogs and could probably not even go on with life without them. Get a grip people they are animals not human beings
I think part of the problem is people buy a dog they want and they have no idea the type of things it needs, exercise, grooming, training, etc. and it’s just a terrible match and the animal almost always gets the short end of the deal.
The whole marriage advantage can be true but marrying the wrong person wont help. People can hear this information and try to marry as fast as they can. Some people don’t find a good person to marry until they’re older which is out of their hands.
Everything just depends....When engaged my fiancee was in a terrible car accudent tgat resulted in permanent brain injurues. Constant seizures uncontrolled by medicine meant years of medical expenses. We couldnt affird to get married because I make just enough money tgat Id be responsible for monthly neurologist appointments, mefucines, transportation..time off of work..
I sympathize with your situation. Several years ago I also was involved in a crash and now sustain a traumatic brain injury that I still dealo with. I find many people that have TBIs in my day-to-day but like your fiance, who has a different injury than mine or other people, it is not the situation of the caller . I'm not that big anymore about getting married. The commitment is what's the most important.
Around 1:40, I got irritated with Dave. He kept interrupting the caller and not letting her speak hardly at all. She had questions and absolutely no way to get a word in edgewise! So rude, Dave!!
32:37 Dave if you need a reason to piss people off you can just tell people it’s a sin against God to shack up together without being married and sin leads us to hell. And bc we are headed to hell we need a savior and that savior is Jesus Christ. The only way to heaven. Oh nvm that will actually get people to unfollow you.
If you had $5,000 in credit card debt but then had the chance to borrow $5,000 to buy Bitcoin at one penny would you do it? The answer is of course you would because Bitcoin is at 72000. But of course if you listen to Dave you would still be broke😂. Listen folks don't ever listen to this fool.
The landlord is not a "good guy" just because he let someone out of a lease while chasing profits. He is extorting her. However if she has to pay shipping and storage on the equipment she might be throwing good money after bad with no concrete future plan to restart the business.
@@Nigriff No. He is the son of the Alpha and the Omega. - John 14:28. The word Trinity is not even in the Bible and the doctrine originates from satanic false gods.
I lost a lot of respect for Dave when he talked about dogs. I would never just dump my dogs like he’s talking about. He should be embarrassed and ashamed to tell that story.
He is that’s why he’s telling it, so you don’t make the same mistake…and you should be ashamed of whatever it is you’ve done because we all know you’re not perfect….smooth brain comments are the best
@marinegetem he's not speaking to the dog part of dear. He's talking about not catering your life around animals. Animals are great but you should never live your life around an animal.
@@Nursemidratza animal is a responsibly. You have to factor that in your living situation if you have made the choice to get an animal. You’re a Dave boot licker.
![เปิด อาณาจักร หมื่นล้าน "สาระตั้ม" l [Nickynachat]](http://i.ytimg.com/vi/3XE0nPF4YkQ/mqdefault.jpg)
I love listening to the show when Dave is on.
Thank you
None better.
Listen to Rachel at about minute 24 and learn WHY you should never mingle finances and buy a house with someone to whom you are not married. What a mess! I hope she has the backbone to take this situation on.
I agree! That happened to my late husband. When I met him, he told me the story and it was horrible.
Yep. had a relative that bought a house with her boyfriend. Relationship blew-up within 6 months and they had a financial mess on their hands. Lesson learned (I hope).
People complain all the time about Dave being old school but this is why he says don’t do it.
@@brucefredrickson9677what's the mess, honestly? If one person on deed, then the person not on deed loses out on equity (knew that before going into the house). If both on deed, sell house and split equity, if any
Not arguing with you, just wanted to discuss
Can it be because having sex before marriage is a sin against God? Oops. I wasn’t supposed to say that on this show was I.
I'm a 22 year old married mom to a 5 month old. I'm loving Dave's show. His no-nonsense advice is amazing. His problem solving skills is so great! I love it.
Yes to young couples! God bless your marriage and children.
I don’t know why people are so pressed about the phone call regarding Jayden’s question. Am i the only one who understood where Dave is coming from? Jayden asked if he should buy a house now with 3.5% down or wait and put 20%. If you’ve been listening to the Ramsey show they always say the best way to buy a home is with 100% cash if not do 20% down with a 15yr fixed rate loan or if you’re a new home buyer to put down 5-10% with 15yr fixed rate loan. So that answers that question. Then they asked why renting was NOT an option and Jayden’s reply (at least from my pov) is because he has a large dog and most places will not allow pets. Well rather than explaining all the reasons, Dave is plainly saying you and your wife/gf whatever come first and if you want to save money and live in a comfortable place dog had to go. But if you want to keep the dog and live in a van or rush into buying a house to live with your dog then that’s on you. Maybe I’m old school like Dave because if i have to choose between my life/my partner’s life or a pet… well I pay the bills not the the pet.
Agree 100%
I totally agree!
Haha. From a money perspective I totally agree with you. But I admit I had a soft heart when it came to my boy (Rottie dog, passed away a few years ago now) and made decisions for him rather than for me. I knew those decisions were not always sensible. I would have been homeless before I gave him up, and had I given him up I would have felt guilty for the rest of my life that the life I had was based on the mistreatment of a creature I had claimed to love. I couldn’t rent easily and probably paid more for rent than I should have, and I probably ended up buying a house earlier than would have been sensible.
But I did make other good (not that keeping my dog was bad, but I mean good as in financially sensible) decisions and so once he passed away I was okay. Now I’m still in and paying off the house I own just outside Edinburgh, Scotland (chosen over a fancy flat in the city centre with barely a commute due to it having a garden I knew my dog would enjoy) and I have no regrets.
But yeah. From a purely financial perspective (no consideration of morals or the heart or anything) he’s absolutely right.
Still hard to get rid of a loved one😢
@@Charlotte-ti2ykNot just from a financial perspective. Dave was saying you need to put your finances need before your dog's. That is not about money but priorities.
Getting engaged with no set date or one years from now is called getting a shut-up ring. It's where an uncommitted man proposed to shut his girlfriend up on the matter of marriage and kicks the can down the road (sometimes a woman will say yes to a proposal to not lose the boyfriend and also kick the can, but thats not as common). Not saying that happened to Rachel, but the "paint or get off the ladder" situation is called giving her a shut up ring.
A lot of men are committed but hesitate because marriage isn't very romantic. All the companies that profit off it try to make it seem like it is, but if two people are already in love, they don't need a government contract to prove it. It's just an excuse to blow money and feel special. And like it or not, there are people who use marriage against men, divorcing them and taking everything from them. I think it's much more romantic if two people choose to stay with each other and the only thing binding them together is love, not a contract.
So grateful for the Ramsey team. Blessed with their wisdom and values.
For a long time, I was torn between keeping my 14k invested or should I used it to pay some of my line of credit balance of 30k. This show made it clear what I should do. Thanks to the Ramsey show.
Its like a curseword when Dave tell people " get married FIRST before mixing finances and buying houses". They are so sure of the person theyre ENGAGED to. Poop happens.
Yep. had a relative that bought a house with her boyfriend. Relationship blew-up within 6 months and they had a financial mess on their hands.
The beauty of the Ramsey plan is that it isn’t personal. There are a very clearly defined set of steps to follow to become wealthy. Those steps don’t involve making decisions based on feelings.
If your through steps 1-3, go to 3b which is save up 20% of a house payment and buy a house on a 15year fixed where the payment is no more than 25% of your take home pay.
I work as a Data Analyst so i must be the first to say correlation is not equal to causation. When talking about characteristics of people who do not live at the poverty level, those sound more like the characteristics of a person with good morals. Its like saying, rich people usually brush their teeth twice a day. Doesn't exactly mean that brushing your teeth will make you rich, just means that that is a characteristic of most rich people. All that to say your chance to be in poverty has not a lot to do with your wedding date or if you had a child young, and more with the type of person that you are and where you strive to be in life.
You're definitely not the only one around here to recognize shallow sales tactics for the sake of argument.
Reminds me of a guy at work who used to debate me in large meetings by asking me yes/no questions, and cutting me off with loud yes/no reminders, for what is not a binary position. He wasn't wrong "technically", but he wasn't properly conveying circumstances and consequences, to a room full of novices, who need to make an informed decision.
Dalmatians were used as fire dogs because their contrasting colors are more easily seen in smokey areas and many are deaf so the sirens don't bother them like they would most dogs.
Why were dogs needed at fires? I remember the classic image of dalmatians on fire trucks, but not the reason.
Source: my butt
@@ShaquilleOatmeal94 😀😀😀😀
My dog is like my child. Never would give her away. I'd get an apartment and pay extra, or rent/buy a cheap trailer home. Even if the value goes down, it's temporary until he puts aside 20%.
I agree 💯 %
As a retired (5 yrs ago) Realtor, I agree with Dave (to Shari) for the most part. But I had already been a sole proprietor for twenty years. Interesting perspective, “Realtors work when other people aren’t.”
Caller at 1:22:08 saying they’re doing good financially while being $200,000 in student loan debt. Lol. 😂
I was so glad Dave told him he failed FPU. It seemed odd he said he went through FPU but he really doesn’t understand the principles of the baby steps.
35:00 those studies lump divorced people into the non married category. I believe a never married study will yield different findings
I'm not a fan of his "We surveyed 10000 millionaires." speech. This works well against office politicians, for salesmen like Dave. I take orders from personalities like Dave, to make any set of data appear as a positive or a negative, depending upon the intent. I have been a systems engineer by trade for a long time. If a survey found 0% of stuffed animals kill children, I provide contextual data to someone like Dave, who could then use his sales communication prowess to convince the masses that buying stuffed caterpillars for your young children is an absolute no no. People who can do this well are often in titled positions of continuous improvement, lean six sigma black belt, etc. "This is data, people!" 😂
Kelly - she would be CRAZY to give up her license for $400 a year - that's less than $40 a month - for a PA?
It would have helped if she periodically worked PRN (on the weekends) while she was a stay-at-home mom, maybe two days a month. She could easily make $400 shift at least. That would pay her license and give her bonus money.
Always cracks me up when people say they are debt free but oh they have student loans or "a few" CCs LOL
Ashley… $35K is your gift Holy Moly !! At the end of the day it’s an oven is it worth 35K?
Marriage is honorable in all.......Hebrews 13:4
I love Dave and I always follow his advice but giving the dogs up it is NOT an option❣️I've always lived with my three dogs choosing places where they allow dogs❣️There is always a way to keeg your dog and find a good place to live,I've done that for 16years❣️
Ashley, you got off easy! You don’t realize how difficult getting out of that lease could’ve been. You could’ve been carrying that monkey on your back for years to come. I would certainly sacrifice the equipment ….count my blessings and move on.
I don't think she was listening very well. It's like she is thinking more about punishing the guy rather that making a smart financial decision to cut her loss and walk away.
Yes, she would be more grateful. I wish her luck going forward though.
Dave is just the best!
Ramsey great advise for the youth!! people need to get married first, the old fashion way, the God way.
Ben in Anchorage: Do you realize how short the season is for a food truck in Anchorage? It's winter 9 months of the year.
Dave is extra hilarious in this one. Love it hahah
I did Brian Baffini my first year! Great coach & classes
Damn I'm a security guard and my wife is a cashier/customer service and we make $135k with no student loans. I do work 6days a week, lots of o.t. and 2 jobs on weekends
Super fantastic
For the first caller, I hope his ETF isn't invested in his RRSP. Cashing that out in Canada is equivalent to cashing out a 401K in the US and there are huge penalties.
There is nothing wrong with living in a van by choice.
I have a friend who rented out her house ostensibly to a roommate...lives in her minivan. No city regulations or rental license required. When she is debt free she will move back into her home.
Especially if it's down by the river.
Honestly it's kind of annoying seeing Vans parked everywhere with people living out of them. Our society is not built for this mode of habitation. Those of us who pay property taxes to live in a nice neighborhood do not appreciate this lifestyle choice. If you can't afford to live in an area then you should move somewhere else.
Imagine believing there are nice nerighbourhoods in the USA. That's the height of delusion. @@cruisinusa5110
@@cruisinusa5110Nobody is forcing you to pay taxes in a nice area. And leave those people who live in vans alone; you don’t know their situation
Dave doesn't realize that "fiance" today is just someone who thinks they have a serious relationship with someone else. If there's not a ring and a date, you don't have a fiance!
Yes, in today's cesspool of a culture "fiance" usually just means that they are shacked up, playing house and want people to think they aren't irresponsible.
He was actually nicer to that young lady than Dr Laura would’ve been
He later explains what you just aaid..said... he said a fiance without a date is a glorified boyfriend
So true...Dr. Laura would be brutally honest. @@tomhocutt2013
He does actually and he’s giving wisdom that I hope everyone takes heed to… male and female alike ❤
I wish i can call in one day this is definitely motivating and i have so many questions
You can ask some of your questions here.
Don’t shack up before you’re married because God said so. There’s no better reason than that.
God has never said anything to humans
@@amireallythatgrumpy6508 you have free will to believe whatever you want.
And I believe reality.@@SV-xb1rg
Don’t shack up before marriage because something that doesn’t actually exist and was made up by humans said so. Right. Noted.
@@amireallythatgrumpy6508if your atheist worldview was reality there would be no reason for anything and nothing would matter. You’re stardust. When did star dust started demanding people to be nice to one another?
I'm different now I guess I'm just super adventurous because I have a dream to live mobile Either a campervan or an RV. Hello camping backpacking hiking kayaking all that stuff and travel I wanna see the world and I'm sick of paying for hotels and I don't have the money for that right now anyway. When I think of living like no 1 else so that I could live like no 1 else this is on the top of my mind.
If you really want to live in rv van life, and you can deal with all that comes with it, then do so.
I acted like I was married for ten years. Raised the girls and paid for everything. One day after work I came home to an empty house. I ended up paying all the debt from that relationship. I did it for the kids is what I told myself constantly. Man was I wrong. At the end of the day the system said we are not married and those are not my children.
I loved this episode
3:10 I love this advice. Same thing as Dave says to people who question paying off their mortgage. Pay off your house then if you don't like it, take out another mortgage.
I gotta say, I didn’t find much value from calling in today. I don’t feel like my question was even addressed. I have enough money for a down payment on a house right now so I don’t know why I would rent. He didn’t give me any reason to rent a house other then the fact that I live in a van and I’m incapable of buying a house? I hope other people actually can get some value out of calling in. I felt disrespected and not taken seriously. If he would have asked some financial questions the segment would have gone a different direction. Before I got my new job I was fresh out of high school, no parents house to rely on, and no money. My girlfriend and I decided to do the baby steps and get ourselves into the van with a 4 year plan to get into a house. I wish Dave would have taken me seriously because he was such a inspiration for everything I’ve done. Live like no one else now so you can live like no one else later as Dave would say.
Go buy your house 🏠 and keep your Dog this call in made me mad as he was more intrested in going around the question and implying to get rid of the Dog 😡 good on you for being a good Dog owner 😊 go get your house man good luck 🥰
Dave gives excellent advice but in your case he was WAY off. But as always people need to either take his advice or not. You are making the right decision!!! Give that dog a hug! You are a great dog dad!!! 🙂
If I were the girlfriend I would still be living in the van with the dog so we could get more cash saved. But that is me. 🙂
At the end of the day Dave is human too. We all make mistakes. I don’t think he knew all the facts of your situation and i don’t think he knew you had enough for a down payment. Just remember he’s not perfect, nor is anyone. But overall obviously he’s a very good person with lots of wisdom.
Well if you wanted an answer, the answer is, "No, don't buy a house at 3.5% down", cause there's a chance you won't be able to afford it if something happens down the road to jeopardize your new 100k salary that you haven't had for even a year yet.
I'm not sure about renting neither tho, might as well keep living in your van if you cool with it bruh
Keep waiting till you can actually drop that 20% skip the renting entirely, and you saved money by being basically homeless for ~4 years. Not bad plan, if it works.
It seems like you have a good head on your shoulders and he dismissed you completely. I had to turn the episode off. I personally would wait for the 20% so you don’t have to pay private mortgage insurance and let the market settle a little. You sound perfectly capable and responsible enough to purchase a home. People always warn of buying a home with someone without being married so maybe make sure the two of you have a good agreement set up in writing and notarized if things don’t work out. Missed opportunity by Dave on this.
Hey George 😂
I believe in your acct, partner account and joint acct.
To the rad tech I am a travel cna you can make an awesome living wife and I do this we both love it. You can make a very good life for you and your husband. Best thing set your own schedule. You will be OK. Go for it I have 13 years experience in the field.
There is never, ever a reason that I give up my dog ! I sleep in my car first !
Same. Time for a side gig to keep the dog if I have to!!!
People in this country are obsessed with dogs it is unbelievable
@@BBEX-fu5ho I am Dutch, the same here !
We moved from Florida to Montana with 2 dogs and a toddler. We never thought of leaving our dogs behind
Ken is Dave's Ed McMahon . . .
Marriage is the only thing I tend to disagree with Dave about. If I married the few people I wanted to, I’d probably have died of old age by 24.
Also more than 60% of my wedding photography clients broke up before they reached two years of marriage. Not exactly great stats.
But I’m single and rich! 🤑
It's about commitment. Why would you COMMIT to half of the debt with someone else on items as big as a house, an expensive vehicle, and a loan without having a personal commitment back as an indicator that person can keep a commitment (relationship or financial.)
@@Trustbutverify2651 I can’t even commit to breakfast. I never would have shared a house with someone to begin with. They’re nuts!
The other side is: my bf thought the same, dragging his foot to marry me saying marriage is a trap. I left, and 2 months later, he impregnated a date. He still insited no marriage or moving in. If he keeps on this track , he will have a couple of baby mamas without a life partner.
Just bc people are bad at doing something doesn’t mean it’s right. They are just doing it wrong. Plus, people today can’t even tell what a women is so don’t be too surprised they can’t have a successful marriage.
That's because you picked badly. Some women settle for loser guys because they know their guy won't leave them.
Don’t get rid of the dog
Dave is so funny 😂
My boyfriend and I live together and don’t have plans of getting married. We have separate bills and expenses and no debts together
Allison, pay off the house!
This whole comment section is a cesspool and proof that people in this country are obsessed with dogs and could probably not even go on with life without them. Get a grip people they are animals not human beings
Thank you for this 👍
most people prioritize the wrong things.
I think part of the problem is people buy a dog they want and they have no idea the type of things it needs, exercise, grooming, training, etc. and it’s just a terrible match and the animal almost always gets the short end of the deal.
I love that Dave called it the Fauci Pandemic. Cuz that’s what it was
And from the whole show that's what stuck with you?Bitter you are for sure.
Bitter doesn't even begin to describe it lol@@Miranda3730
No it was the Tyrant Trump Pandemic
It's intention experimental point of view in humanities reactions financially psychological...
So true.
The whole marriage advantage can be true but marrying the wrong person wont help. People can hear this information and try to marry as fast as they can. Some people don’t find a good person to marry until they’re older which is out of their hands.
@@davidb2206 would you recommend that now with your kids at 21? I think most times it won’t end well but that’s me
Debt free screams never get old.
Everything just depends....When engaged my fiancee was in a terrible car accudent tgat resulted in permanent brain injurues. Constant seizures uncontrolled by medicine meant years of medical expenses. We couldnt affird to get married because I make just enough money tgat Id be responsible for monthly neurologist appointments, mefucines, transportation..time off of work..
I sympathize with your situation. Several years ago I also was involved in a crash and now sustain a traumatic brain injury that I still dealo with.
I find many people that have TBIs in my day-to-day but like your fiance, who has a different injury than mine or other people, it is not the situation of the caller .
I'm not that big anymore about getting married. The commitment is what's the most important.
Where can i complete the Listener Survey?
Dave tells you the two ways at 21:20, either by text or online.
What is an ETF?
If I were Jayden, I'd stay in the van till I had the 20% down.
the best
Around 1:40, I got irritated with Dave. He kept interrupting the caller and not letting her speak hardly at all. She had questions and absolutely no way to get a word in edgewise! So rude, Dave!!
The caller at 1:40 was male. Do you mean 1:40:00?
I feel like the cold weather affected the show yesterday😂 not as upbeat as it sometimes is
@@amireallythatgrumpy6508 Good catch! Thanks for the correction.
But Rachel shops at Whole Foods just for junk food
32:37 Dave if you need a reason to piss people off you can just tell people it’s a sin against God to shack up together without being married and sin leads us to hell. And bc we are headed to hell we need a savior and that savior is Jesus Christ. The only way to heaven. Oh nvm that will actually get people to unfollow you.
That lady Ashley just isn't getting it. Let that oven go lady and save yourself $37k in lease payments !
" rocket science"
It's a joke. He knows!!!
I love Ramsey but don't give up your dogs to save $$. Just find a place.
The radiology lady should take the more pay job as long as it doesnt interfere with her school.
Jesus Saves.
And George withdrawals
@@davewhite756😂
19 years old and making 120,000 a year? What does he do? 🤔
Get rid of the dog? Insanity
Animals are family!!!🤬😠😡
Dave's advice is the best dumbest advise you will ever get here😂
ANIMALS ARE NOT THROW AWAYS!!🤬😠😡
Who is this person that he keeps talking about that has a football stadium? He is so fixated on whoever that.
Sofi stadium…student loan lender
400 K per year what's the point of even putting that on here😂
🍁🍁🍁🍁🍁
If you had $5,000 in credit card debt but then had the chance to borrow $5,000 to buy Bitcoin at one penny would you do it? The answer is of course you would because Bitcoin is at 72000. But of course if you listen to Dave you would still be broke😂. Listen folks don't ever listen to this fool.
Absolutely not about leaving the oven with the landlord! It’s extortion! He hasn’t liked her or her business and he wants her stuff. I side with her.
The landlord is not a "good guy" just because he let someone out of a lease while chasing profits. He is extorting her. However if she has to pay shipping and storage on the equipment she might be throwing good money after bad with no concrete future plan to restart the business.
Nope, she's in the wrong here.
First 🥇
I would like to thank my wife, my mother, and all those that supported me to get here first! 🏆
Jesus is The Alpha and Omega.
@@Nigriff No. He is the son of the Alpha and the Omega. - John 14:28. The word Trinity is not even in the Bible and the doctrine originates from satanic false gods.
Dave, it's cohabiting (not co-habitating) 🙂
He is correct. Look it up!
I gave you the link the to dictionary definition of cohabit, but they removed the comment with the link.@@Joce123
You’re incorrect.
I lost a lot of respect for Dave when he talked about dogs. I would never just dump my dogs like he’s talking about. He should be embarrassed and ashamed to tell that story.
Stop it
He is that’s why he’s telling it, so you don’t make the same mistake…and you should be ashamed of whatever it is you’ve done because we all know you’re not perfect….smooth brain comments are the best
@marinegetem he's not speaking to the dog part of dear. He's talking about not catering your life around animals. Animals are great but you should never live your life around an animal.
Well nowadays if your dogs did what his did they wouldn’t even be alive anymore.
@@Nursemidratza animal is a responsibly. You have to factor that in your living situation if you have made the choice to get an animal.
You’re a Dave boot licker.
Avoid living in an apartment at all costs. An apartment is a home that is only fit for cockroaches and bed bugs. It is not fit for human habitation.
I am what? That doesn't make sense.@@barbara4329
I will. And I'll also tell them that they're not very intelligent.@@evasanz3466
Uhh.. I don't know what kind of apartments you've lived in but I have lived in many and never have had any of those problems.
That's clearly false. You haven't lived in any apartments@@ses-ei7oc