I Ignored Dave Ramsey's Advice...
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- เผยแพร่เมื่อ 7 พ.ย. 2024
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I’ve been listening to enough of these calls now that it really seems like people let their ego get the best of them. It’s ego that causes you to spend above what you can afford-you feel like you want to prove something, show off, show that you’ve made it. I’ve been guilty of it too. But if you want to take control of your finances, your ego needs to get left at the door.
That is spot on. Good work!
Tanvir Minhas thanks! It was basically personal reflection. When I was younger I always wanted to buy brand names because I didn’t have those things growing up and wanted to show that I “made it”. It was all ego. I feel silly looking back at it now.
@@Erika2 i actually would love to learn more. Since your older than me,what else have you learned growing up?
Tanvir Minhas I try to share everything I’ve learned about personal finance on my TH-cam channel so check that out if you have time! My biggest financial regret from my early 20s is not investing sooner. I think I was just intimidated by the whole concept. Now, I wish I would’ve started investing earlier because I’ll never be able to make up for that lost time. Another big one is going to get an expensive degree (I took out $200,000 of student loans to go to law school) without really putting much thought into whether I even wanted to be a lawyer and whether it made sense financially. At the time it just seemed like the right path-something that would make my asian mom proud. Student loans feel like Monopoly money when you’re taking them out; the gravity doesn’t hit you until after graduation. So those are the 2 that come to mind :). You’re young! Take advantage of that! Absorb as much information as you can about your finances early and start applying it to your life! 👊🏼👊🏼
It's part ego, and part not being willing to invest for the future. Everyone wants satisfaction NOW.
Dave has helped me so much.
Two years ago I had $11k credit card
Balance.
Now, no credit card no debt.
$20,000. In savings
Josephine Bournes totally awesome !!!!
Good job
@Josephine Bournes
That's fantastic.
Keep on keeping on.
Stay blessed.
Him Bike I’m happy for you, 👍. I’m almost there, but I’ll keep one credit card so I don’t lose my 760 credit score.
M P nice. I don’t keep one cc because
I don’t trust myself. LoL.
Congrats! 👍
I laugh every time he says rice and beans because this is a staple in my culture. And trust me, find the closest Haitian restaurant to you, taste their rice and beans, yes the plain one, with no add ons, and you'll never wanna call rice and beans a struggle meal again. It's all in the spices people. Spices can make the most boring ingredients sing.
This is why I can eat very cheaply and when you look at my plate you'd think it's a grand restaurant.
It's colorful, flavorful and delicious. There is a staple in Haitian food called diri, sòs pwa, legim.
It's literally white rice, a bean sauce (boil the beans, blend them with spices to make a hot soup), and mashed eggplants.
Sounds ridiculous right? It's crazy cheap and crazy delicious.
F-J J
So when and where will you be opening your restaurant? The beans and rice sounds delicious.😀
He says that because in most cultures, rice and beans is a boring meal. Also, even with spices, most people get tired of the same few meals over and over. Most people are used to eating out and having a variety of meals.
F j j. Thanks for the info I'm going to make beans and rice in a new way 😃
Yummy 🤤
I love it! I'm a vegan Haitian - American and love that dish!
Me when a new Dave Ramsey video pops up in my feed:
“I’m doing better than I deserve!”
Ross Campoli - Leadership & Business Videos I am the same way even my kids say that now. When you ask them how are they doing. Lol
It’s not how fast you can get out of debt, but how disciplined you are in keeping it that way.
Yup. Once you're out of debt that's just the beginning of the journey.
I totally agree. I'm debt free as well, I'm not a homeowner yet. But, I rent from a roommate, been staying there 6 years, I'm also a student going to finish up my B.S degree and graduating in December. I watch this show to keep me discipline on my goals for 2020, it's hard but I can do it.😊
Michela Rosier i find Dave Ramsey videos keep me focused even at the verge of impulse buying. You already have plans figured out and I’m proud of you (even though we never met, lol) just like The Rock always says, FOCUS!!!
@@ErrorPagenotFound-ig1cy Thank you.
So true!!!!
”No payments but your house payment" feels like freedom.
No car note, no student loans, no medical bills, no revolving credit debt.
Eliminating those from you life enables the freedom to pretty much do what you want in life.
Depends now that I have no mortgage either I dont notice a huge change as the mortgage money is just being invested also. But not worrying that much if i lost my job is a very nice.
Dexter M
Bingo! 👏🏼
Been living this for 8 years. It’s amazing. Nothing builds net worth faster than being debt free and living under your means on a budget
@@dialac1 other than saving for retirement, have you been able to save for fun? Trips, hobbies etc.
Dexter M you don’t have to save every penny you make especially now that you are fully debt free spend some money on things you enjoy
I wish callers would just get to the point.
Kysen10 Absolutely!!
I get so irritated by nonsense talk. It's like nails on a chalkboard.
Omg. Isn't it irritating how much they "eat around the edges."
Paint or get off the ladder.
You all are jerks. Sometimes it’s nice that people tell the background so we know where they are at
@@josephjackson4335 No one resorted to name-calling but you buddy. Settle down.
Ever since I’ve started following Dave Ramsey life advice, my life has improved ten fold.
I changed my mindset to “my life is better than I deserve”
I am now six months till I’m debt free, other than a 15 year mortgage which should be paid off in 7 years.
In one year I went from making 24k to 80k with changing my mindset and lifestyle to “my life is better than I deserve.” And “living like no one else so I can live like no one else.”
This is truly amazing!
Great Job man!! I'm like you, I'm living this stuff!
Grizzly H
👏🏼 BOOM 👏🏼
Grizzly H great work!!! You got this. 👍🏽
Congratulations that's great keep moving forward you deserve it👏👏👏
I absolutely love it when Dave calls people out on stuff they are doing or planning to do without the caller telling him. It just shows how good he is at this lol
This caller is like the Prodigal Son returning to the family when he knows he's messed up. I'm guessing he's learned his lesson and will do better in the future.
He’s not messed up just yet. Watch he will ignore this advice and call back again when he’s like $200,000 in debt. If he didn’t listen to Dave before, I don’t think he will listen now especially when his wife doesn’t even know who Dave is. It’s like asking a non-practicing Christian to covert an agnostic lol
dialac1 i disagree and i think that’s dumb of you to say. the fact that he is calling dave for advice shows that he wants to change, he could’ve called in the past but he didn’t learn his lesson until now. he will do fine they make 100k a year
@@dialac1 you are subjectively wrong here. Once he and his wife get on the same page and work towards a common goal it will be first nature and quick to do. $100k a year is a lot of money.
@NurturingTalents If that is the case then they need a marriage counselor. My point still stands. Once they get on the same page, it's easy to work towards and will come faster than expected.
I love Dave's bluntness. Refreshingly honest.
i respect this caller, honest and seems like he learned or is learning his lesson. i think they will be okay 👌
Very long-winded tho...needs to get to the point
Having a budget and sticking to it is the key. It's opened up my eyes to how much money I've been wasting.
This is what I like about Dave. People say he is mean, but he is only assertive when he needs to be. He is caring and concerned when he needs to be. But he is always direct.
My husband and I were also FPU drop outs BUT I still had the cds, the books, everything and remembered everything I learned. It took 2 years of growing up before we could actually do the program. Right now we only have a house payment and some medical bills to pay off so we are one year away from being free! Problem is we had to grow up and change our attitudes toward how we lived. The first thing that has to prosper is inside of us because otherwise this will not work because it takes discipline and change for Dave's plan to work! I thank GOD this was waiting for us to come back to and I didn't give it away. But take it from me, If it's challenging you let it! Don't fight it because it's absolutely a waste of time to do so! God bless you.
“You either have to lower debt or raise income, one of the two”.
Dave prefers you do BOTH. Just so you know. 🤗
I've always thought I can do my stuffs myself but i keep missing it. I need a financial advisor now more than ever.
Keep watching Dave, you'll learn a lot from him. However I have a financial advisor as my wealth manager. She takes care of my family investments.
Lorraine Montgomery
Dave has investment people that refer,
Call into his switchboard.
Hi Herbielina, I'm thinking of getting a manager to take care of my funds. Already fed up with the heartaches. I have very little tolerance to risk. I feel a managed portfolio would be a good move. Do you manage your investments yourself?
Bartosz tell me more about your wealth manager. I'm in Australia atm. How do I get through to her.
Hey Lorraine, she's Mary Jo Wubker, a FINRA regulated broker. She covers all round the world....I have my funds diversified among available securities from time to time. Search her on the web. You can leave her a mail or give her a call.
You can't kinda be pregnant... and you can't kidna listen to Dave.
Oh, I don't know. I listen to his getting-out-of-debt advice, but I ignore his investment advice.
Retirement Crisis Why do you ignore his investment advice ?
Live on $50,000 pay off the debt with the other half.
HE SHOULD SERIOUSLY CONSIDER LIVING OFF WAY LESS THAN 50K! THEY DONT HAVE KIDS to feed or anything.😂 literally just do ur four walls and eat 2 meals a day of rice and beans💯
I was thinking the same! They can pay off their debt in 1 year if they live on 50k
Thats what I am thinking as well🤦♀️ it just seems like he needs to get his wife on board.
He would only have 30k after taxes if living on 50k. Taxes on 105k income. He can make a lot more sacrifices and wife work a bit, this should be gone in a hard year. But he doesn't want to.
Our solution to still getting to go out to eat together is to ask for gift cards for Christmas and birthdays and only going to those places that we have those gift cards to.👍
As a college student, I do the same!
Josh Rowe
Very good idea!
Bass ackwards 😂
Mortgages Made Manageable had to hit replay on that one lol
I was like, “huh” 😂
Another 100k plus income and broke. While most of us get by really well on half that!
I know right!! Isn't it crazy?! I could not imagine making 8k a month and still be broke. Some people I swear.
Because almost everyone thinks they have to keep up with the jones. People think I'm werid because I don't drive a 60K truck. Well I don't care for deprecating assets.
Bullion Forever
I’m so old, (63) I can remember small trucks advertised on TV for $3000.
Now they look like living rooms with a cockpit controls. Lol.
@@mriphone1000 I am always amused at the cost of vehicles now. Your $60K example especially, because that represents a half century of vehicles for me.
Azzo Squirrel omg seriously! I make $45,000 a year and I monitor my budget/money so closely it’s not even funny. I’m working on beefin up my savings and this dude doesn’t even have a $1,000. If I had that money I would have been debt free a long time ago lol
I would love to talk to dave in the radio show. But im from argentina, so i dont know how this can be done. Of course the specific law/regional tips wont work, but the general idea still aplies.
Best advice my mentor ever gave me.. aim to be the stupidest person in the room so everyone has something to teach you. I use to think I knew everything and no ones advice mattered but after that and opening my mind my personal development and salary have skyrockets! Ego will keep you doing what doesn’t work
clicking on a dave ramsey video..
Already winning at life
0:13 *Dave normally says he's better than deserves, but if you pause right here he definitely looks like he is feeling it* 💪☻
Black Vito - Moneyology 😊 sure does!!
Black Vito - Moneyology
Yup! 🤗
Dave is a freaking mind reader 😂🔮
Nah, it's that people are more predictable than you may think, and he's been at it for three decades.
30yrs experience helps.
3 things.
1. Live off less than $40k. Ya'll can and should.
2. Eat 2 meals of rice and beans a day. (Ur Food budget a month is like $70 now)
3. BE GAZELLE INTENSE. Get angry sir, you have been robbed by ur bad choices. And u sound only mildly irritated. Get furious. Get serious! BOTH OF YOU!
只要!‼🙏💯
Well, look at that. When you ignore good advice from people who know how to achieve your goal, your goal is harder to reach.
Me: “Running around all over town.”
Dave had his finger on the trigger with his “Better than I deserve”. Nailed it
I had a vacation to Costa Rica planned before I discovered Dave. Now I’m torn 😩
nicole4779 Is the vacation already paid for? If so you can either still go or see if you can get some if not all of your money back.
If you haven’t paid for it yet look at Costa Rica as the treat yourself AFTER you have reached your goal of completing most of his Baby Steps. I say most because I don’t know how much it cost to buy a house where you live.
The most successful people are those who are willing to sacrifice the now for the future. The guy who called in isn't willing to invest for his future, hence all the debt.
This caller is playing, he’s not ready.
Yep. I got that same feeling lol
I agree. He still sounds unsure he wants to give up his lifestyle.
Doesn’t want beans and rice !
He might be ready, His Wife isn't ready. She still wants vacations and dinners out.
😂😂😂
3:12 "stop the 401K"
I disagree there.
If the company matches your 401K, maintain the 401K up to whatever the company matches. So if your company matches your first 3%, then lower your 401K withholding to 3% and *get the company match.* That's a free 100% return, that's sheltered from tax until you withdraw it.
Never stop your 401K completely if you have a company match. You're throwing away money if you do.
Yes, a company match is a great return, and it feels terrible to give it up - which is a very good reason to do exactly that. Looking forward to restarting retirement investing and getting that match creates another goal to work towards and additional motivation to get out of debt that much faster.
Okay “millionaires” shut up. Nobody cares what a couple nobody’s on TH-cam have to say. You aren’t a millionaire
I can’t understand how people making 6 figures don’t understand the most simple principles of money. How did they get those high paying jobs with no common sense?
Sir We Are About to Die still doesn’t make sense, why would you hire a person with no common sense and pay them 6 figures. Blows my mind.
We are our greatest counsels, our greatest motivators, all the answers you seek are already inside.
Owning a home is a very nice feeling.
After it’s paid off or before, I feel like before it’s going to feel like ur still paying rent
Couldn’t plan to enjoy a vacation knowing I’m coming back to all of those payments. Rather vacation in my backyard for now. I’ve got a rent and everything. 🏕
Casey Burns Investing
I tell my friends to go shopping in their storage rooms and closets. 😉
Casey that’s where the alcohol comes in. When you start to worry have drink.
I have friends that go on vacation MULTIPLE times a year and have debt up to their eyeballs. When you have a “live for the moment” mentality, you don’t consider eliminating debt as a priority. Now, they’d love to be out of debt, but are not willing to put in the sweat equity it would take to get there. They somehow hope it will happen passively. I HATE debt to a point where I will never consider using a credit card again. I will scrub public restroom floors before having another car payment. These fools will finance anything some idiot will put them on payments for. My wife and I make about the same money as they do. The difference - our net worth is about $450K. Their net worth - minus (fill in the blank and make sure you include several zeros after the number).
🤣 @ vacation in the backyard
Getting both partners on the same page is huge. My wife and I both got on board with getting out of debt, and we made it! Now, we're planning on how to save for a retirement that will allow us to stop working earlier and still live a great life in the meantime.
We're also able to plan out investment accounts for our children that we will gift them when they are settled down and looking to buy a house. Being able to to pay it forward is so much better than any fancy house or car, and hopefully it will be enough to significantly impact the lives of our children and grandchildren so that they too can start saving at a much younger age.
We don't make a whole lot more than this caller at present, and we're able to make all of these plans at our current income level with money to spare. Life is SO much better without money stress.
I’m realistically never going to stop eating out so giving that up is out of the question 😂
Dave: Yeah, you’re not on my plan, you’re still going out to eat and planning a vacation. Right?
Caller: aaaActually - yeah - those are both true.
🤣🤣😂
My own progress: Just the student loans left and the mortgage.
Can. Not. Wait.
"I Ignored Dave Ramsey's Advice" almost needs to be the name of the show at this point.
Husband wants to get out of debt to build real wealth
Wife is fine with living paycheck to paycheck as long as she gets to drive a Beemer and go to Vegas
This guy has no chance of success if the wifey isn’t sick and tired of being sick and tired.
Gold&Silver is the key! PEACE
That’s a tough one to do. I’d say you live and learn. Sell the car.
Sell the car but keep planning that vacation and eating out? Makes no sense
auxis sounds like they can sell the one with debt. They have a paid for car already. 🤔. Sounds like to me selling the one with debt makes more sense. Haha Dave callee him out so fast on the plan spending outside the baby steps.
Raul J. Gomez
Yup, I think most callers think he’s kidding about beans and rice.
But our ancient ancestors knew beans and rice (& other grains) sustained them for centuries.
They actually make a complete protein.
herbielina I hear that one! 🙌🏽.
herbielina Funny you day that because before watching this my plan was to order through Uber Eats, after I watched it I went into the kitchen and made a nice bowl of Black Bean Spaghetti. This episode saved me $23.00 Canadian.
Dave Ramsey vs peter schiff debate. Who would also love to see this?
Dave is great. But if the people calling don't change their mindset about money Dave's program is not going to work. The people calling need to learn how to make their money work for them.
“Before we seeeellll ourrrr cuuuuaaaaarrrrrrr...” 😂
Now I’m craving enchiladas...
With rice and beans, beans and rice!
This guy is just like me...got the knowledge but still stuck in the "ish"!...lol 🤣🤣🤣
Do or do not, there is no try - chinese proverb
Dave: Sell the car! Rice and beans, beans and rice. Go deliver PIzza or drive uber...
I haven't finished the video and I already knew..
It baffles me that the first thing to cut is not eating out!
Such a simple thing.
Some people really hate to eat in a manner that is simple and affordable.
Sharyn Braud
You can’t believe how many people forget to cut out their $200 a month cable bill.
Not sure eating out, travel are the issue.
Student loan is half their income.
That's the problem -
"I remember everything from the course" but yet here you are calling in....
I'm surprised at the "stop the 401k" advice.
Everything else I understand, but IF the company matches any percentage I wouldn't stop a 401k contribution.
Agreed. 100% ROI instantly and it's a small percentage of income.
Agree with you as well. You need to learn to live a frugal life while you're still invested and getting free money.
@@reniehandler2595 not sure, but I believe that Ramsey prefers people to pay off all debts before investing, but I think it also depends on the person's situation, because he is more lenient with some people about paying down debt.
I’m late but he’s said before to match the percentage match, then no more 401k.
When Dave asks household income do callers tell him gross or net income? I wish I knew! Not really for this call since 105k is a lot gross or net. More interested for those who call in and make below 60k.
A lot of times Dave will ask of it's gross or net.
Not one but two sips! I've never seen Dave do that before.
Needed this one Dave!
This guy is the man
Get this dude some rollerblades
The tone I got is he wants to do ish. Selling the car won't make the bigger problem go away. Imo a free fpu course isn't going to change anything he already has heard and knows what to do.
Oh hunny by the way I have just sold your car’What’ and We are not going on vacation What, Oh yes I’ve cut up all the credit cards.
She is not going to change her ways they will be in dept for decades lol
Yeah man! Both people in a marriage definitely have to be on the same page financially!
Ian Mowbray
🤣😆😢🙄😁
I wish Dave would always make them clarify whether what what they state as household income is before or after taxes...
If u don't understand what take home pay is lol
I have to disagree with Dave on the 401k thing. I've been able to follow his plan except for that. I've steadily put money into my 401k and based on the investments i've made i'm up 120%
I agree. I only contribute 1% as Im still working on baby step #2. For me, it has been a good decision.🙂
Yea that guy is never going to stop
Why does it seem like everybody has student loan debt? Seems crazy
"No payments but your house payment" is freaking me out more then the debt! We are now so focused on paying off the house that we are looking at what we can sell, vacations are camping, and eating out is the grocery store. And if the Lord is willing we will be done on 12/20 and in 12 years. To Him be the glory.
Margie K YAY!!! You definitely got this!
Dave’s face in the thumbnail is like “Really? -_-“
100k a year would be gold to me (my wants and needs are small yet effective)....I have heard these "Dave stories" over and over yet folks want they want😔
I know that many churches have classes in how to use Dave’s plan. I think they should also have beans and rice fellowship meals. The people can go to them and feel like they’re eating out, they can swap beans and rice recipes and if they make a donation after the meal, that’s a win/win/win.
you know he doesnt literally mean beans and rice right smh lol
@@taylamayde Yes
@@hollyb6885 just making sure because a lady asked one day he replied are you serious maam but i dont had beans and rice just not a dislike but it would be nice 2 swap and fellowship over all types of cheap dishes
What's carrier server notice someone hung in my front door from Carrier process service. Does it bad ? Thanks
I like when Dave mutes the caller and lays down wisdom.
Still going out to eat and planning a vacation...nice work dufuss
Can someone send a link to the actual Dave Ramsey community Facebook page. Got some reason Facebook decided I don't like Dave Ramsey anymore and there are too many Dave ish groups
Why sell your car that actually can get you to work if you are spending money on things you can cut out that doesn't take you to your job?
The Cash Compass Public transportation does the exact same thing! Unless you live in a rural area where public transportation doesn’t exist/not reliable or you have to commute 30 mins+ to work a car is really not necessary.
The Cash Compass Just subscribed to your channel love a lot of your video ideas and can’t wait to watch!
@@FuturePsychNurse Yeah you are definitely right! In New York it's a headache having a car but in Miami it is a necessity! I should have mentioned that lol.
@@FuturePsychNurse Thank you so much! Please let me know what you think :)
We have no payments. Debt free!
The internet is broken. Ramsey said DON'T sell the car!
Just curious, if you've watched Dave for a long time and know all the Baby Steps, etc., is there any value to taking the Financial Peace course?
definitely not, unless you cant formulate proper spending and saving habits from his videos
Did Dave just say bass ackwards? 🤣🤣🤣
Dave so what happens when the market crashes like it did in 2008 and you have all your wealth tied up in mutual funds, 401k and stocks? Do you recommend investing in silver and gold bars? If there is another crash all your institutional wealth will crash too
Jennifer Urwin
Instead of investing in mutual funds, I invest directly into blue chip stocks. Stocks that have been around so long that are trustworthy. They Pay stable quarterly dividends, no matter what the market does, yes their stock price might drop super low on a crash, but their dividends (income you can live off off)
Stays the same.
If you're young and far from retirement when that happens you can buy more stock at a discount.
My IRA lost 30% in the crash. And gained 150% as it recovered.
@@MrTmenzo and just kiss my initial money invested bye bye really ?
@@jenniferurwin5038 that's why u invest when ur young , u build a diversified investment portfolio. U really want around 800k by the time ur 45 so when a crash happens u might be down 200k if u don't pull ur money out quick . ( It took months before people lost 37% in the 2008 crash )
But once it recovers a year or so later u can continue another decade or 2 of gains until the next little crash lol .
What also irritates me is when callers consistently talk over Dave; like they don't know there's a delay in the signal.
No payments, not even a house payment.
Lol 3:44 😆
When ever the husband says the wife is not on board, Dave should just tell the guy to hand the phone to the wife, and talk to her and yell at her for not being on board. It would make the show more popular and entertaining.
THE CAR IS *NOT* THE PROBLEM?!?!
Never had Dave's program but I am allergic to debt at the point that if I borrow money, I can not sleep well. So avoiding debt is my highest priority.
I earn 6 figures annual income but has the same life style as a frugal student because I know my net worth will go up and down because of the economy, but it will be nice if I just keep my expenses low so I won't have to adjust my expense accordingly.
Looks like the caller just need to develop this allergic reaction towards debt. Yes, the world will probably come to an end if you can't buy that $3 coffee every morning. But our ancestors survived so it is really nothing comparing to the debt free goal.
“That’s bass ackward dude!” People are stupid!
i’m not saying I’ve never done anything like this but this is the mentality of people today we make 105,000 a year and we want to sell or $15,000 car so we can go on vacation wrong wrong wrong wrong wrong
That’s bass ackwards
"That's b-ass ackwards!" 😂
It feels good to be finally debt free.... If I started saving young could have been well off now
I ignore dave myself becaause I know myself well enough to know I can handle a debt avalache payment method and prefer paying the lowest amount mathmathetically to the pychological reinforcement. So I do things a bit differently than he recs and I agree most people can't handle it and need to see the progress a lot quicker but because I watch his show and everythhing else and see people getting into trouble all the time I find the key with the Avalanche is never get in too deep.. Mine can be paid off in 3 months but will have to wait for me to deploy it until the inventory I preordered is paid off. I overbooked stuff for my online ecom toy store soo... my creditors have given up on me officially and I'm not enjoying it but I know they're going to be shocked when I actually pay it all off starting at thhe beginning of next year over 3 months.
Is this Trey Gowdy, former Congressman of South Carolina?
In this guy’s situation, I wouldn’t stop my 401k. If the company matches, I’d only contribute up to the match.
@ 3:20 - "How fast can you knock out $50k making $100k? That tells me you can knock this out in 18 months" - Dave. Guy and his wife still have to pay rent/mortgage somewhere, EAT, pay taxes on that $100k, etc. plus all his other bills. The student loan bill doesn't just stop (let's say it's 4% on $40k - that's probably a 10 year loan @ $400 per month. Plus property taxes, electric, gas, water, etc. God forbid anyone gets sick in that 18 months. 18 months of $100k per year is 150k - Federal/State/Local (at best 100k take home). If this guy lived with his parents and didn't have 40k in student loans nor another 10k in random debt I could see maybe 18 months to knock out 50k in debt. 18 months though as stated is way too optimistic IMO.
Sounds so strange Dave telling somebody not to sell the car 😂
"My car is paid off"
Dave: SELL THE CAR!
Pass ackwarda!!!!
Honestly.. every time I hear him say stop 401k.. I think that this man doesn’t understand basic math skills. So.. the choice is have 20k debt for 6 years and retire at 65... or have no debt and retire at 75... this is really the suggestion...