Top 10 Unbelievable Calls on The Dave Ramsey Show (vol. 2)
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The Dave Ramsey Show I been hearing about a movement that is called THE FIRE MOVEMENT that means financial independence retire early
@@LovelyyAubrey I'mi
The average salary for family medicine is $200K a year. I dont really believe this stat, but it says that psychiatrists make around $200K a year.
@@common_c3nts Average is like after 5 years at least, not starting.
@@TechConversations But that is way more than real doctors like pharmacists, foot doctors, dentists.
Makes no sense.
Before this video: Feeling poor driving around my rusty old car.
After this video: Feeling smart driving around my rusty old car.
Sandra Chatwin cars are the biggest waste of money!!
Sandra Chatwin absolutely, people are mad they overspend to a ridiculous degree on cars
Rusty old cars are a badge of honor....Dont laugh its paid for...lol.
Financial security > flashy cars
AMEN! I've driven Mercedes cars for the past 24 years. Bought my first one when I was 19. But not new ones; OLD ones - 1980s diesels. Back when they built good cars. My daily driver is 37 years old, paid for, restored to near-new condition, no emissions inspections, no check engine light, just a solid old car that any idiot can work on himself. I have another one with 752K miles on it. Good old cars back then. I see the flashy newer cars pass me, and I smile, imagining how much their payment is every month, lol!!
Anytime I think im broke i listen to this show and all my anxiety goes out the door
Reggie J hahahahaha
If you really listened to the show, you wouldn’t be broke. ;)
yeah I feel like a millionaire after listening to this compilation
same here thank god after Robet Kiyosaki, Mike Maloney, I endup here
Haha was just thinking the same thing
I thought my dad was being mean when he wouldn’t let me take out student loans. I lived at home. Local university. Part time job. I wish I could thank him but he saw me do well before he passed away 💕🙏🏾
He’s proud of you. Take care.
Im sure he was proud of you! ❤
What a gift of wisdom he passed down to you
That's a good dad.
Your dad knew what was up 🎉
Listening to all these student loan debt stories confirms that I made the right choice doing an electrician apprenticeship which i didnt have to pay for and now im 24 and I earn over 200k a year. 👏 Thank god I always hated school.
Thank god.
What kind of electrical work do you do sir
You still worked and studied ! Smart .
School definitely is not for everyone and it can cause debt if you jump in blindly. However if you get a degree in a high paying career, you can pay that debt off easily with your income. This is especially true if you take study seriously by not flunking subjects and semesters, working a part time job while you study and paying it off as you go. Everyone in my family has followed this formula and been successful with it
Where tf are you making 200k as a sparky that doesn't sound right
Can’t afford 2,000 to fix a Ford Fusion
Buys 20,000 Ford Fusion
No way that would cost 2000 unless she went to the stealership.
The cost to fix her Ford Fusion would have conservatively been only about $600-800. Why in the name of all that's sacred she would get rid of that car to buy a $20,000 Ford Fusion? If I heard right, wasn't the "newer" Ford Fusion only a few years newer than the car she got rid of?
@@robindear5043 it's a woman thing and an emotional decision. I remember when my mom's water heater went out and as we were mopping up the water because the tank busted, she started shouting that she was going to sell her house. I told her that's like selling your car over a dead battery. If women would take an interest in fixing things themselves, they would think more analytically. The only way to have a car that never needs brake work is to not own a car or trade yearly.
I think she was being shortsighted in her decision, and now regrets it. It may have taken a few days, maybe even a few weeks, but she could have inquired around and found a mechanic or shop that could've fixed her car for a reasonable price. I have known just as many men who make emotional, "spur of the moment" decisions, then later, after the smoke clears, they regret it. This has nothing to do with gender. Will she negotiate with the dealership to return the car, even though her 30 days have passed? I doubt it. She didn't mention it, but I wonder if she traded her car in for the $20,000 one, or has it sitting in her driveway?
most people are clueless about cars, a break down in high school and even college education
Jay Z once said, “If you can’t buy it twice then you can’t afford it once”. Best financial advice I ever received lol.
that's actually pretty good advice
Put a shirt on
Pretty good and lines up with Dave teaches minus a house lol
@@JoshGavin sorry sir.
@@singatias absolutely
*250,000$ in student loan debt*
“I just don’t know what to do 😭😭🙏🏼”
*buys 38,000$ truck and 13,000$ camper*
🤯🤧😰😱😭
Yet the guy is smart enough to pass the bar!
🤣🤣🤣🤣🤣🤣👌🏽👌🏽👌🏽
Haha hahahahaha 😂😂😂😂😂😂😂
It's called American maths
If feel personally attacked by this comment.
"I don't know why we have not being paying bills for 6 years" what an answer from an adult🤦♀🤦♀
She didn’t want to say why. She knows.
Just paid off my car yesterday officially debt free. It’s a good feeling
IGriff TV congrats!
IGriff TV I start my first car payment on January 30th. I look forward to the day I am debt free!
Congratulations 🎉
IGriff TV congratulations ‼️
Melody Outhaithavy why in the world would you get a car payment.
She makes 28k
She has 29k school debt
SHE BUYS A 20K CAR.
A good salesman.
Unbelievable!.
How did she get a loan if the car = her yearly income?
Austin Russell
Yeah, there must be a great salesman behind that....
Might have never thought of that, thanks Austin
@@Elizabeth-yg2mg anyone can get a loan. You don't even have to put money down 🤦🏾♀️🤦🏾♀️
Big props to Mercedes for holding their salesman responsible for proper treatment of customers 👏
That caller was tony swedberg, hes a car sales youtuber
Thank God they fired that fraud-committing scumbag!
@@tobinskaggs5263 seriously?
Yea I'm glad Dave didn't let him get away with that
Car fax is a scam.
I lost it when Dave told the 600k debt Dr “I wouldn’t want you operating on me” lol.
that was harsh hahah
We should get a "Where are they now?" episode
Brendan Berney hahahaha yes
Spoiler alert: all of them are in even more debt.
😂😜😜😂
Dawn, Tyler and NoRtHwEsTeRn
Brendan Berney yaaasss tho.. op u kno whats up 👍🏼
Woman: *breaks down crying*
Dave: What's your household income?
🤣🤣🤣 I said the same thing....too late to cry now
Lol
😂😂😂
😂
You can't cry problems away.
" I'm not a dream killer. I'm not a dream stealer, but I'm somebody that tries to prevent nightmares from occurring " That should be written in bold at the begining of each episode
6 years later, listening to this. Let’s fast forward these situations to now. 😂 we need follow ups in this stuff. Before and after. Would be a great series!
Dave makes me feel responsible for debt I don't even have
Hahahaha!! 😂 this is great
Omg this is amazing. So true 😂
😂😂😂
Lmao
😂
After listing to this... I feel better than I deserve.
😂
😂😂😂
😂😂
Right?
Same 😂😭😭😭
Me only a $1000 in debt feeling like I’m drowning , I watch these and feel blessed
“Please help me, I just had a baby and I’m a single mom”
“Sell the freakin baby, stupid!” 😂
😂😂😂
Abort the baby.....that was stupid
😂🤣😝😄😂🤣
Not funny
Duummbbb!!! 😂😂😂😂
You can make 20k a year or 200k a year, if you don't have a budget you'll always be broke.
I've seen it first hand. Struggled making 40k and then got a job paying 120k and they still struggled
Not necessarily, I don't budget but I live on less than I make I'm debt free except for my house, I save and invest, plus I have nine months of expenses in cash. If you stay away from senseless spending you won't be broke. I'm allergic to debt right now
@@xPRODIGYxGAMER I see your point
So TRUE! It doesn't matter how much money you make, it's how well you keep it.
@@newtonraymond77 living on less than you make is pretty much budgeting. Budget meaning: An estimate of income and expenditure for a set period of time
A valuable lesson to be learned here: choose your life partner WISELY
Better option sign a prenuptial agreement or don't even get married.
Right! I always question why these women want to marry men who have hundreds of thousands in debt. Hypergamy sweetie and have your own thing going SMH.
I’d like this 100 times if I could
hey there Will i have a quick question for you
VP7 exactly. Not sure why people can’t be together til death without a legal document that says “here’s half my belongings.”
Student loans are really destroying young working professionals. The amount of debt is just outrageous.
I wish I would have heard of Dave back when I was 20 years old and starting out.
Me too. But I doubt I'd have listened.
But would you have listened?
I heard this stuff, didn’t listen, and now 20 years later I kick myself. All you can do is move forward and make better choices.
@@timetowakeup6302 Yep, it takes making a few mistakes to get it.
@@regul8or71 im 25 not with a lot but basically debt free. Im fin to turn my life around.
@@Iam-ss5tu Not only that, but people our age responding to this advice can inform the peers around us so that they have an easier chance at financial freedom.
They should play these videos to school children - get them scared about the realities of debt
Mafr0 nah let the stupid suffer, the intelligent will already be aware of this. It's basic common sense lol
They do
Mafr0 or life 😂
I've seen a lot of talk about school districts adding a Financial Literacy class. Make everyone do a book report from one of Dave's book.
marxist teachers would help our kids ? No.
That girl is not bringing back that car
And you can tell it's within the 30 days too!
Her Pride will not let her. She's probably bragged about it all ovr social media, kill her to not live her wonderful Lie.
@@EricSmyth4Christ ummmmmm, I think I just missed it 😂
EricSmyth14 ik😂 she hesitated for the loooooongest time and seemed like she was trying to decide when exactly the 30 days was up. Plus She was really nonchalant about the stupidity that was the decision to buy a car that was greater than her yearly salary on top of student loan debt that was also approx her yearly salary. So yea, she’s probably not gonna return that thing.
She need to take it back, but to buy something for a $1000, probably won't work.
When I'm feeling like my life is bad I watch Dave, Hoarders and Intervention and then I'm good to go.
Yes, indeed, so true.
😂
Dave playing with his wedding ring while talking about the couple having problems in their relationship shows how empathetic he is about these situations. He puts himself in their shoes
I took it as .. it shows that Dave is terribly afraid of his wife. Not blaming the obvious debt culprits for these callers .. THE WIFE , NEVER MARRY
Just stumbled in this channel today. This man pulls no punches.
"Sell the car......that was stupid". 😂
Oh yes, Dave is so great to listen to, well informed and straight to the point, but when someone calls in who needs gentler advice he's capable of giving that too. He's the old fashioned advice we all need. I'm so glad he's put so much content on youtube for free, it's helped me a lot to learn about personal finance and get a solid plan for my life
@@Zichqec Back a few years ago (I am dating myself here) there was a fella called Bruce WIlliams on the radio. He did the same ad Dave, but a little drier. I cut my teeth on him but when I met my best and only wife, she invited me to her guest seat at a Financial Peace University sponsored by her brother. How could you NOT love a woman that can save! Dave is excellent.
It's what stupid people need to hear.
She got swindled into it by the dealership. That's why I never take my car to dealerships for repairs.
that was savage, but absolutely true. "Tell me you know that was stupid, right?"
Normal people: freaking about about not paying this month's bills
Dave Ramsey callers: Nah, I just don't pay bills
F’real!
It’s really just disgusting how people do this.
🤣🤣🤣
Go sabercats
I don't understand this mentality!! My luck I would be sued.
I feel for Brenda. It takes GUTS to face this kind of debt problem after trying to run from it for years. It takes humility to admit your own stupidity and own your stupid mistakes.
she is scummy and just wants to be saved by bankruptcy and eventually do it again
Dave Ramsey's insights have been a game-changer for me! His practical approach to financial management has empowered me to take control of my money and work towards a debt-free life. The Total Money Makeover is my go-to guide, and I appreciate how he breaks down complex concepts into easy-to-follow steps.
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@@TinaMylesbot reply to bot comment
His voice is so reassuring that I listen to these while cleaning my apartment and feel productive and financially motivated at the same time!
Same hahaha clean the house and clean the mind
Its therapeutic.
😂
I listen to him while shi**ing 😂😂. Shi**ing has never felt so productive.
Quintin Espinosa same here I thought I was weird 😅
This is the opposite of surfing Facebook & Instagram in terms of mental health.
these people get in the situation theyre in because of social media... they see someone else who financed a car thats way above their means, and want to look as successful, its a horrible cycle of trying to make your life seem better than it is
@@justinc2633 Exactly right. I saved myself a lot of money simply by ignoring the social media rat race.
@@Miranox2 same haha, completely pointless
😂
@@justinc2633 fr ppl needa stop doing that
The thing that gets me is how calm and carefree the caller is with $600k in dept
**Americans**
I mean they'll be making 400k a year. It's a lot different than having a 2k mortgage and making 5k a month, than that guy that could have a 2k mortgage and make 35k a month.
And they can get forgiveness after ten years
Dave "better than I deserve " is such a great statement, so optimistic, thank you for that
This show makes me feel like I'm on top of my finances... now I've got to go watch hoarders so I won't feel bad about not vacuuming the house today. I got this. 🙄
Bahahaha! Thanks for the chuckle!
🤪🤪😁😁
Absolutely!!!! Lol I feel like a very responsible person 😂 and I DESERVE a day of not vacuuming 😂😂😂
SO FUNNY!!!
Lol
There are people that are bad with money...and then there are Dave Rhamsey callers 😂
Touché
Poor men are being tricked into marriage to become financial rescue plans.
😂😂😂
Lol
Honestly feel like these aren’t that uncommon alot of people live similar to some of these
"So how fast you paying off 50, one year?"
"Haha I wish"
The look on Dave's face hahahaha
As Dave is freaking out about the young doctor's debt, he has to throw in "I wouldn't want you operating on me." Ridiculously rude and uncalled for.
He was being stupid throughout that segment. Stupid, opinionated, repulsive.
One of my good friends is from Singapore, I'm American. I was telling her how I'm paying off credit card debt. She goes, "How do credit cards work?" I said, "You don't know how a credit cards work? Don't you use them?" She was confused. She said, "In Singapore, credit cards are not popular there. If we can't afford something, we just don't buy it." ....... I was dumbfounded.... Remember folks, common sense is not always common practice!
Wait, I just realised by reading your comment what a credit card is in America. You can buy something even if there is no money in your bank account?
@@bibaoreo4355 yep. You run the credit card and another company pays for the item there at checkout. At the end of the month you either pay that company the money you owe, or they start charging insane interest on it. If you aren't incredibly careful about it, which %90 of us are, you lose a ton of money using one
I am from Malaysia and working in Singapore currently. most of my friends from Malaysia and Singapore r using credit card for gas with discounted price and buying stuffs with discounted price only. If that thing is too expensive than what they can afford, they won't buy it. For my personal, I just don't use credit card cos I dun need a car.
@@chairmandrek8230 interesting
Oh my god... I heard this and immediately paid off my 200 credit card bill
Ahahahah me too!!! Had to lol
Way to go... follow Dave's Baby Steps and you'll be on your way to financial security. I'm 62 years old and discovered Dave two years ago. I've paid off over $15,000 In debt during that time and am now on Baby Step 4. My only regret... I wish I had heard about Dave Ramsey twenty years ago. His methods WORK, and if you're willing to commit to this process, it will, as Dave always says, "change your life."
@@oldwestguy what are those steps?
@@twincherry4958 You can go to Dave Ramsey's TH-cam site to get the details, but basically they are the following... IN THIS ORDER:
1) Save $1,000. in an emergency fund.
2) Pay Off All debt, not counting your mortgage.
3) Save 3-6 months of your income. (Basically, a continuation of step 1.)
4) Save 15% of your yearly income in a retirement fund.
5) Save/invest in you children's college fund.
6) Pay Off your home early.
7) Build Wealth and be very generous along the way.
oldwestguy glad I’m 17 watching this gotta learn early
Love the guy that got fired for trying to scam a customer comparing it to leaving the toilet seat up 😂
He makes me feel responsible for the debt I don't have...LEGEND
Dave: How are you doing?
Caller: I’m doing well
*proceeds to tell dave how they’re not doing well*
Golden Kaleo there doing well because there health is good and there mentally healthy is great, ya there not financially stable but there ready to learn
😂😂😂 exactly!
bottle doo they’re **
Because we block financial stress from our mindset
Narrator: they indeed were not doing well
I constantly think i'm broke and the sky is falling and i'm never gonna get ahead in life, and then i listen to this show and my problems seem minuscule.
Kody Eldridge me too hahahaha omg 🤦🏾♀️🤦🏾♀️🤦🏾♀️
Taking confort on other people’s issues does not fix your own. Use them as a cautionary tale. 70k in debt 3 years ago... 20k left to go.
Yeah! Let that ego grow baby!
you need to dream bigger buddy
For real. I need to continue listening cause I am not trying to be on their level. Bout to workon my debt TODAY before I call in sounding like them.
“I can’t breath and it’s not even my debt “😂 man he destroyed him, I feel bad (but it’s true ).
When I listen to these conversations he has with callers it solidifies my belief that college loan debt is literally evil.
@@ADUSN bu, bu, but america is the best country in the world.
You can tell the first girl is not going to give back her car
whyjordie she’s already regretting that decision I bet.
Finn you really think they would take the car back? After the 30 days?
I think she lied about the 30 days too. She just didn't want to take it back.
Caller 1: I didn't have my $1000 emergency fund saved up so I bought a $20,000 car.
Fazal828 I thought I was the only one that heard that absolute stupidity
Because of brakes and CV axles, I paid 20k for the same car but 2 years newer. LoL
LOLOL. Makes sense to me. I may not make much, but I want everyone to think that I do. I’ll skip out on rent to make my Beemer payment. After all, I’m entitled to a luxury car even though I work as a cashier at Dollar General!
but people do it all the time because they don't understand that credit today means less spending tomorrow.
EXACTLY!! YOU KNOW that was stupid!
“I don’t have $1,000 for repairs, so I bought a $20k car” 😂😂😂😂😂
I literally screamed in the car while driving home at 16% and a $900 payment for a car !! 😳
Just got a car and we paid it off feels good we don’t have a car payment
I seriously don’t understand how someone makes 100k per year and still is broke
Carol Brewer bills 💵 bills 💵 bills 💵 bills 💵 bills honey❤️ I makes 18000 dollars per year my savings account have $4000 and I have my rent credit card my 2 boys thanks 🙏 god my boyfriend give me money 💰 every week
Just because you make that much that doesn’t mean that’s what you take home. That’s how life works young man
Professional Degrees cost a fuckton. I graduated with $250k in debt at not a good interest rate.... I make good six figures but it's still gonna take me a decade to pay off ... it's insane.
Just because someone makes that much doesn't mean they know how to live below their means and save their money
Collin Mac first of all, I am a woman. Second of all, you have to be dumb if you make 100k per year and don’t know how to control it, how can you spend more than you can?
“How are you doing” “Good, I just lost my job this morning”
*Margaret Aufmuth* 🤣🤣🤣🤣🤣🤣
I just spit my coffee out!
😂😂😂 and “I have 4.6 million dollars in credit card debt”
lawn lawn lawn 😂😂😂
Eh anyone can get a job but a career..
I freaking love Dave, he tells you what you *Need* to hear, not what you *Want* to hear
Man I been driving a 1997 ford ranger for 13 years and the way people dig themselves into more depth baffles me.
My 1st grade brother saw his teacher during Spring Break, and she asked how he was doing. He responded "Better than I deserve." The teacher looked at my parents and started laughing.
"It's never too early to teach them about debt."
gia stone what is a first grade brother?
@@user-qr7eb1sf3l My brother would be in year two of primary school in England, I think. The US does everything differently and I hate it.
@@watcherglowcloud saying "1st, 5th, 12th grade" is much easier than "first/fourth year of primary/secondary/whateveriary school".
@@garretteckhardt6665 I agree. I think this is something American's do that makes more sense than how they count the grades in the UK.
MsClarinut in the UK I think it’s much simpler ( fair enough it’s how I grew up ) but it’s just year 1, year 2 all the way up to 11 then you go to college or sixform which is classed as year 12 and 13.
I lost it when Dave told the 600k debt Dr “I wouldn’t want you operating on me” lol
I wouldn’t either, seeing as he is a family physician
" I'm sitting here, I can't even breathe, it's not even my debt😄"
Yes that was so rude.
Hey, he's calm under horrible pressure! It might work! (If he were a surgeon, that is, and then he'd make more money, too!)
😂😂😂
39:52
This was the nicest way I’ve ever seen a man tell another man to stop doing drugs and to get help in a meaningful way. He absolutely said that without having to use the word addict once. That was very impressive and genuine. I just started watching this guy today and I’m loving this.
Yesterday my coworker said there are no good cars less than $40,000 and that’s the thing that gets me so upset. People actually believe that.
My newest and most expensive was 10,000 3yr old. I'm 69 with no debt.
Every caller: I'm young, deeply in debt, partway through college, have kids and am about to get married. I make 25k a year and want to get my masters degree in psychology after our honeymoon. I also just bought a new BMW and my husband is starting his own business. Do you think we should start paying our student loans, Dave, or put them on deferment to pay for our wedding and honeymoon?
I'm surprised Dave doesn't have a heart attack after these calls. These people are one HVAC break or medical emergency away from bankruptcy.
Not every caller.. Num. 2 is different
I’m 24 years old, 653k in debt, partway through community college, 6 kids and about to get married. I make 12k a year and going to major in gender studies to help the black community and be a social justice warrior. I leased a brand new Lamborghini Urus and my husband is a stay at home dad. Should we pay off student loans, or the Urus?
So true.
@@wanilimbe 🤣🤣🤣🤣
No that much jobs for psychology. Go for nursing.
Dave: how are you?
Callers: good
Dave: how can I help?
Callers: proceed to tell how they’re not even close to good
Dave: How are you?
Caller: Well, I called you, so.
Lol
I teach esl. Saying Good is a social convention expected by everyone. No one in casual conversation wants to hear your problems
@@georgewagner7787 right
@@georgewagner7787 wrong, stop teaching people this.
He said “don’t even start talking” 😂🤣😂🤣😂🤣😂🤣🤣🤣😂
Honest advice and I appreciate it!!!!
I work for a university in the financial aid department. I push students towards scholarships. I have even offered to tailor the loans so it's just enough for tuition but everyone still wants the max.
"doing good, just lost my job this morning"
my guy, you aren't doing good
Raul Toro I’m good. Just lost my job this morning 🤣🤣🤣
Sometimes its a mutual separation. 🤷🏿♂️
Not much sympathy, wasn't he ripping customers off?
Some dude called once and said he's better than he deserves but dude was hundreds of thousands in debt I yelled out "dude you aren't better than you deserve "
*calls in for help* 10 seconds of silence when they find out they have to actually take action to solve the problem
i swear half these people expected dave to write them a check
@@justinc2633 fr they ask for help then don’t like what they hear
Right 😉🤣
@@emmaLFC but isn’t that how people are? That’s human nature. We prefer laziness and the easy way out. And we wonder why society is so messy.
The second caller in this compilation gives me so much anxiety, 150k debt... No money... Not paying bills... Jeeze
Dave I just want to say that you are out here teaching people who have been disadvantaged from this kind of information you are giving. I have learned so much from you. Stay blessed!
24 years old and never been in debt. thanks to the advice of Dave Ramsey. I'm a truck driver and listen to Dave all the time.
Uneducated peasant
SuperSimpleasthat Dude, your sick. I legitimately hope you never mess with anyone again. This man is letting us know about his success and your hating? Please go to a Facebook conversation and stay off of this mans success!
I drive a truck too. Never been in debt and put away 22k my first year, that's with a starter company. It's crazy to see the amount of debt people incur to make the same amount of money we do...bunch of suckers
Dude you are a hero! Hoping you preach this to everyone around you.
@@MrJohn-kb1eu they aren’t suckers, they’re misinformed or uninformed. That’s why they call for Dave’s advice. Just because you made a good decision against the grain doesn’t mean no one follows suit. Some people are just need a little push to become better and it’s a little disappointing you’d even call them that instead of being informative. But good for you
I was raised by a single mom living off a 15k salary ... and this guy has an issue with living off of 90k. Sounds rough.
I agree. So many people I know simply live beyond their means.
People have no humility
Some people just don't know how to live simple. Too much pride in buying used anything.
Hilarious ain't it
I have learned income is irrelevant with the majority of people as far as getting in debt. I know friends who make a 130k annually , and have 75k in car debt . No savings living paycheck to paycheck. I know people making 50k 30k just in car debt . They both live above there means.
Dave I’m severely in debt, bought a new car, want to go to school and I don’t make enough. How much should I spend on my wedding? I was thinking 50k?
These people are really idiots lol
2010 fusion that needs repair, It adds up.
Then goes and buys a 20k fusion
Lol your picture described that call PERFECTLY
“You make $62000/year, why don’t you pay your bills?”
“I don’t know, I don’t know... we just.... don’t”.
Lol ok
Yeah, there's something super odd with that whole situation. She almost sounds like she suffers from depression.
MsClarinut You’re probably right. There’s a deep dark abyss there that tells the real story that’s not being acknowledged.
shes paisa my wife and in laws talk like that. Kinda like the family guy cleaning lady. I mean im mexican too but i dont sound like eore.
she is a drug addict
@@KatieBellino Or not bright.
Felt miserable until i watched this. Even though my job is low paying and i am living a peasant life, i have no debt to worry about.
THATS BEST OF NEWS. SIMPLY OPEN A SAVINGS ACCOUNT AND SLOWLY GROW IT. EVEN IF YOU CAN AFFORD TO PUT AWAY $10 MONTHLY, ITS STILL GROWING YOUR MONEY.
@salabh S.G a peasant life is good as long as you can pay your rent, food and save for a rainy day money then you have a content life.
Same, really low income with no debt. But really poor.
And you have the internet as a peasant? I don’t know..you may be bettter than you realize:)
Keep doing what you're doing and find a way to bring in some extra income. I personally recycle cans and invest in the stock market. It will get better stay debt free!
I would love to hear a “where are they now” episode on all these people!!!
Caller: We just had two kids
Dave:
Sell the kids.
😂
😂😂😂
No please dont.
@@buffaloben15golf88 why
😆 🤣 😂
Man this is making me reconsider all my life choices.
Michael Jenkins, like, you realize yours weren’t so stupid after all? Or are you identifying too much with these callers? 😆 It’s all good, we all need a dose of this medicine.
SERIOUSLY
this why I aint making none
@@keepyourheadup9183 Both. Not acting as unwise as these callers, but we are realizing we're not headed in the smartest direction.
This vid made me change my mind on an expensive luxury apartment that I was planning on moving to this fall. I guess I'll just stay where I am and continue to save my money lol
I bet anything she kept the car!
My money says she did also. She really didn't like the idea of giving it up. She just wants to live like a queen on a fishwife budget.
In a Ford Fusion?!?! Theyre not even good cars!
EmperorTokugawa Right!
Mars TV by nikki bass haha I was thinking the same thing.
+EmperorTokugawa the ford fusion is nothing but the offspring of the ford taurus!
I used to feel like a poor 20-year-old for only having $750 in savings but I have no debt and a college degree so I guess I am ahead of most people! Jesus!
So instead of paying $2500 for repairs, I’ll buy a $20k car.
Dude cv joins are 200 each max, breaks maybe 400 if they make you do roters... so maybe 1k after labor?
So just buy a 20k car! Mint!
Why sink money into a car thats pure garbage?
First off, there’s no wedding until the debt is cleared.
Facts
A wedding doesn't have to be expensive. The court house is very inexpensive.
Shay t. Think what she means is that you shouldn’t wed someone wit so much debt LOL omg the bride stoopid 😂
Facts
Hmmm .. you're right
Man.. these Dave Ramsey shows is like "Beyond Scared Straight"! 😱
😂😂😂😂😂😂😂😂
Dave needs Big Dragon on the show
Good analogy
#9 is a crazy piece of work…. Never pays a single bill but “we want to just move on from this.”
“I’m considering getting a job.”
It seems like about 75% of these callers’ debts are student loans. I am more grateful than ever to my parents that they helped with most of my tuition. And I also have no other debts even though my assets are gone due to a terribly abusive relationship. But at least I am safe and can rebuild without debt. ➡️🙌🏻🙏🏻
When 8k of student loans makes you seem rich after watching this video....
no, you're just less broke....
That's not bad :) and you can pay that off :D
I paid mine off with a home equity line of credit :)
Ryan Turner Baldbrah!
I felt the same!!!!
Was 67,000 (mostly student loans) in debt when I started listening and incorporating his principles. A year and two months later I’m still 29,000 in debt never though I’d be able to pay even that much, it takes time but it works. Ramen noodles are delicious btw.
I was 67K (all student loans) in debt 3 years ago. It's now $17K. Staying consistent is key. Also you may wanna try some rice and beans sometime 😁 keep your eye on the ball. You can do this!
@@kramez9156 🤣.. Rice and beans with some fried eggs. Or pasta and sauce. All cheap alternatives. I am going to be death free this week. Only mortgage now. Stay strong folks. Keep the goal in front always.
I,
Congrats! Stay strong!!
Beans and rice with Mexican blend cheese on top is also delicious. My husband and I are debt free for over a year now but we still eat beans and rice once or twice a week because we like it so much.
Americans love debt, they absolutely love it, can't get enough of it.
You know she intentionally waited until after the 30 days to call in so she wouldn’t have to take the car back.
LOL that's exactly what I thought
I heard it in her voice that she knows she shouldn't have bought the car, but she thoroughly enjoys making such "crazy" fun financial decisions. She is the kind of girl who thinks it is part of her personality to splurge while having nothing. She thinks it is funny.
“Hi Dave! I owe $200,000 and I make $7.50 an hour.” 🤦♀️🤦♀️🤦♀️
Unbelievable!
time to buy a new car
@@ronaldrickard3551 Nah time to lease
@@brettfriedman587 Nah time to get a D.U.I with 4 kids in the back of the $40k New leased sports car
😆
I LOVE how honest and blunt he his. "That was stupid"
Sometimes too blunt.
To Dave : I’m broke and have no car so I take the bus to work
Dave : sell your neighbors car
😜
LOL !
I have like 600 dollars in my bank and no debt, I feel rich after watching this :D
I have like $400 in my bank and no debt I feel rich now too
Mantas Valciukas you gotta start somewhere. Good for you. I was going to school and ran out of money when I was too lazy to get another job. I had a small negative balance on my checking account too. It was like $20. Had to ask my siblings to pay for school while I found work. I worked and went to school and was able to be financially stable.
It was a great lesson for me and now I’ll be able to pay them back. It’s humbling to look back and stupid at the same time because I was studying to be an accountant. Now I’m working full time and feel humbled.
@S J W 4 Life I'm 21 and have 30k (AUD) saved. Life is ez if ur not an idiot, I don't even work.
Crozbozy what do you do?
@@JT-ef2qy i study and then work full time during my holidays
Why do people think fixing up their car is more expensive than getting a new car with payments. If you can fix your car then fix it. It’s a lot cheaper than getting a new car that’s over $20,000. 🤦🏾♀️🤦🏾♀️🤦🏾♀️
Synchrony bank sucks, but they will finance dang near any car repair. 2000 at 24% for 24 months beats 20000 at 10% for 60!
If the repair is close to as expensive as the cost of the vehicle, thats where I draw the line. I had my last car for 10 years and I feel like I got my money's worth there.
Inbal Feuchtwanger all the reason to listen to Dave Ramsey
It's the money upfront issue. Payments are easier for most people than coming up with 1000 or more for repairs. It's just bad planning and panic.
Not more expensive. More involved. It's just easier to go to a dealership and sign for a new car rather than deal with the headache and down time of repairs for some people. It's still a stupid choice, though. repairing what you have or buying a good used vehicle are ALWAYS better choices.
I got my daughter and son in law on to Dave. They are rocking it, and I have helped them out just a little bit. I'm proud of them, and have great expectations for thier future
Dave : why you didn't pay your bills
Caller : I don't know
😂😂😂
So happy I found him at 16. Definitely don't want to end up like these poor people
I'm glad you're grateful. This information and platform wasn't this easily available when I was 16, and I assume when these callers were 16. Y'all in the younger generation have a huge advantage.
@@outphase78 I introduced my daughter to Dave at 16. She’s 23 and manages her money quite well. Better than me and Husband at managing money.
That's so awesome! 👍
They are broke not poor
Some of these stories are heartbreaking, let's hope they can turn things around.
I was 8 grand in credit card debt for the last 3 or 4 years. Just paying the minimum. I make about 30k a year right now but in the past 4 months i've paid over 6 grand. 2 more to go!
Aaron Fisher you go Aaron!
Aaron Fisher how did you pay that much over 4 months?
Aaron Fisher i used to do that when I was younger and stupid lol paying a little more than minimum and wondering why I couldn’t pay off lol...Now I pay them off every time I use my credit cards.
@Kara The Love Bug you'll be calling Dave in 5 years crying like a baby hahaha
@Aaron Fisher I thought I was reading about myself there. 8k debt with a 30k job. Guess I have to tighten up the ship myself and get out under this.
I gotta use that uncle Dave “don’t drive off “😂😂😂😂
I listen to this and I am FLABBERGASTED at this amount of debt even possible; especially for people under 30. The financial environment in the US seem predatory. I live in the Caribbean and at 38 have zero debt and never had a credit card; university is free ie no student loans (i have a PhD), we import foreign used cars i.e dirt cheap transport, health care is free ( i had an emergency c- section and paid $0 out of pocket), lived with my parents till I could afford to buy a simple starter apartment. I just cannot believe these figures and how desperate i'd feel with that looming over my head.
Once they experience life outside the US, not merely as tourists but as ex pats for a year or two, most Americans choose to stay abroad rather than return to live in the US. It's a harsh, predatory society even towards its own.