Most of the time, a lesson in common sense is taken much better by a person if it is given by a stranger. I don’t agree with some of his strategies; but he is good for people that have little or zero financial knowledge.
Please continue making these videos. Absolutely loved it. I appreciate all the work your company does. Paid off $130,000+ in debt. Almost there. There's light at the end of the tunnel. GOD BLESS ❤🙏✨️
As much as I love all the new personalities, these videos make me sad. I forget how many more pieces off wisdom we used to get from Dave. Plus, that father like feel where he'd give tough love, be more compassionate, and give almost motivational speeches.... Now it's like "whats the question, here's the answer, next caller" But back then, he used to give 15 minute + mini speeches and THOSE are what really changed my life. I'm so lucky that when I started listening in highschool and college, I got THAT version of the DAVE Ramsey show... the Ramsey show is fine, but just not the same.
I never watched at the time, only knew any his books. Are these videos you are talking about available on TH-cam or somewhere we can watch it? Thank you for sharing 🙏🏻
@@therapywithisabelyes, if you go back in the videos a couple of years, you’ll see videos where it’s just Dave (like the clips in this segment). Back then it was the “Dave Ramsey Show” before he started gearing up for retirement and rebranded it as the “Ramsey Show”.
Well, one can only say the same things over and over and over before WE ALL get sick of it. 98% of callers: I'm 60k in debt, I earn 40k and I want to buy a lake side condo for 550k. Help me. Btw, love your show, been listening for years now. Yeah, that gets tiresome and obviously gentle parenting isn't working for most of these callers.
The difference is that dave has been through it. Something different about someone that climbed out of the pit when no one else could help him but God. His personalities are like children they know what Pappas taught them which is right but the true I had it Rachel hasn't had
My grandfather started off as a janitor for a trucking company. As the company grew, he grew too. Became a driver and by the time of retirement he was a department CEO. So it is possible to start at NO WHERE and become someone.
Keyword = grandfather. The world he came up in isn't currently the world we live in NOW. EVERYONE has a story about how an old relative was able to pull themselves up by their bootstraps and become wealthy. That's just not the world we live in anymore.
Things were also much different back then. That story can still happen but not as much as it used too. I'm not some punk brat either, I had a master's degree and make >150k a year. Just being real
@@greatawakeningnewsnetwork577 yes, it is. People today don't want to put in the work. I did it at 40. Started an $11/hrs role and in 3 months I was building a learning department with a $4/hr raise. When I retired 11 years later I was making $100,000/yr.
He claimed he was a welder by trade! I wish Dave would have asked him why he's not welding. That would probably easily double his income with huge potential down the road.
Sometimes a credit card debt can go on forever, 6k went on for 15 years. I kept saying I’ll pay it off but kept paying off the minimum payments. I pay it off already, now I’m debt free. Note, never help out families and cousins because they won’t pay you back and if you ask for your money back years later, they other victim and you’re the bad person for asking. Helping families and cousins got me broke and started using credit card. Lesson learned
Ditto! Helped several Family and Friends on credit cards because I didn't have the cash on hand but wanted to help. I did say to each of them that they didn't have to repay me. I took out a personal loan in the amount of $13k in August 2021 for five years. I just paid it off on April 1st, 2024 roughly 2 1/2 years early after throwing everything but the Kitchen sink at the debt. So happy 😊 it's behind me with just my Car lease to go at roughly $5500.00 leftover. I can't wait to be DEBT FREE! 🎉
I've loaned money to friends, did work expecting payment and bought tickets to shows expecting to be paid back ,as they said they would. Never. 😆 Luckily all that wasn't more than $500 in the last thirty years. Lesson learned.
I lived at home with my parents and was unemployed when my (then girlfriend) got pregnant. It booted me into a new mindset and made me figure my sh*t out. 4 years later we have two kids, own a home, and I own 2 small businesses. We still have months where money is tight but it’s improving constantly.
I hit rock bottom and I dug myself out it wasn’t easy but I am still struggling and I am improving slowly stay away from toxic people only a matter of times thing will get better if you play your cards right
When it becomes too difficult to organize things, it means you have too much and need to declutter. Buying more containers is not the solution. Most of the cleaning supplies we have we don’t need and if you want to try something new use up something old first. You only have so much square footage if you go beyond that you’re creating a mess. Everything should have a home and be accessible. Forge ahead and much love.
The first guy is a WELDER but he's working a delivery job for $9 an hour ??? I don't understand. He could triple his income if he just got a welding job.
@@ericpierce6378 Oh wow! I missed the part where he said it was a pipeline company. Maybe that's what he meant when he said he wanted to grow with the company.
Aging parents who can’t afford their mortgage could sell and move into an apartment. There is low income housing for older people. Her siblings are being selfish and not likely to change.
Watching this made me realize that I can get through my 7,800 credit that I owe with my credit card. Thanks for advice that you gave in this video Dave blessings to you💜‼️
Him sending that man two years worth of books to improve his life was just one of the best gifts Handpicked books sent from a multimillionaire that was self-made truly that's a once in a lifetime gift
I have been listening to you sir for the last 2 months. I had credit card debt. not too big but i also owed some money to my friend. i have paid all that off and my only debt is my student loan and i have a 2 month emergency fund. I cried when i payed all this off. i never realised how much of a pressure minimum payments can be.
My rock bottom was when I was deployed .. and got bomb threats. Running into a bunker thinking I would never come home. I ended up watching Dave Ramsey while I was deployed and paid off my 31k in credit card debt. I thought I was so smart with money thinking I was doing more by moving money around.
I think dad has waited to long to help. She may have to hit rock bottom before she decides to live differently and she may never change. Pray for her to wake up and change her life.
The difference between my 2 children, my daughter figures out where she is and where she wants to be, then maps out a plan to get there. She is super successful. My son, in his mid-twenties, a couple years after college I had to sit my son down and explain the reason his little sister was so much more successful, since then he's changed his methods and he is also soaring. Having a target and a plan to reach that target makes the difference.
16:00 she really does not even want to try to negotiate with her family the arrangement. She's probably very passive, and possibly has survivor's guilt for being the only family member on the path towards success. I hope her husband heard that so he can hold her accountable for not holding them accountable.
@@beck943 I agree with you. That's why I said, "path to success." Relative to her family, she is likely doing great, because they're doing absolutely terribly. She's got a partner, she's asking Dave for advice, and if they lock in, they can turn their situation around. She definitely needs to work on accountability, and prioritizing. Take care of her fine before she starts trying to help everyone else.
Thing is there's nothing to negotiate. She can say "I'm only contributing this and you guys can decide to cover the rest of not" but her siblings have absolutely no obligation to take care of their parents who sound very irresponsible. She can only set her boundaries. She can't force an obligation onto others. Sounds like the parents need to move back to their owned property and either brother moves or stays in exchange for helping them as needed.
Also let's not assume she has any negotiating power within her family only because she made up her mind. family is a delecate situation, and other cultures are way less individualistic than the us, some places is simply no concept of "me first" and one can't just force it. it might take some time.i also wonder about the others situation. if they live in a difficult situation themselves, which we don't know, they might look at big shot sister who went to America and maybe rightfully question why they have to support the parents purchase over there? we don't know, but i think it's too quick too assume that she could change the family dynamic and maybe whether she should. if anything, maybe the parents need to make some decisions to not ruin their daughter, if they're still able to. we don't know about their health or mental capacity at this point. also, if she is in the will inheriting the us house then maybe it's fair within family context? i don't know, just wanted to throw some other perspectives in the mix 😅
Would like to point people that are looking for cheap cars in the direction of Facebook marketplace as well as certain new car dealerships have a less than $5k trade in sections as well. I was able to get a 20 year old excursion with over 240k miles for $1600 and it lasted me 4 years. It wasn’t sexy but I was able to move cross country for a higher paying job in it and found an apartment that I could walk to work. Good luck and happy hunting!
There are a handful of snowflakes here complaining about how Dave used to talk to folks...the gentle parent way, caring about your feelings and side-stepping poor life choices. I started listening with his old clips and could NOT stand the repetitive callers: I have 4 kids, 60k in debt and I make 28k a year, I still owe 14k on my car and I want to buy a Condo. What should I do? Btw, been listening to you for years. Help me. And poor Dave would gently, calmly tell these callers to refer theBaby Steps...over and over that I got sick of it. The new personality and show tells it to them straight: Why would you do that? What have you done to achieve your goals? All a breath of fresh air!
That poor newlywed... I feel for her. Central and South American culture are very toxic when it comes to supporting parents/siblings etc. They probably think she's "rich" because she lives in the US and then no one feels like they should do a thing to help the parents. Her parents obviously don't have the means to afford the mortgage and have a paid off property in Belize. They should live where they can afford to. Plus she's the only sibling helping pay the mortgage but once mom and dad go the siblings are going to want "their share".
It’s about hard work and pounding the pavement. The day before I graduated undergrad I was making $12/hr part-time. That was December of 2018. Last year I made $240k pre-tax. This year I’ve made 180k through June and expect to close out the year just below $400k…. Honestly it’s still not close to enough. And F the tax rates in the U.S. Straight thievery
@@ezekielgdk it's crazy for sure but the only way they can afford to stay here. I'd think the smarter option would be to move back to their home country where it's cheaper. Otherwise they can't expect their kid to support them with the cost of living how it is..plus they'd make a lot with the sale of their home and that'd help a lot in their home country.
You can write to the hospital and ask for a lower bill or forgiveness when you show you are not making much. At least I had that option in Washington State. Made too much but was able to get the application/option.
I worked with a woman who had a 25 yo kid at home with 6 kids by 4 baby daddy's and the woman was the only household income. Now the younger daughter is expecting and still in high school.
You’d be unfortunately surprised at how many people have kids for the tax return & food stamps. Sounds like a boomer thing to say but it’s true for some
@@Sarcheindisgusting rather be poor than dead. How bout don't get pregnant instead of killing the child when it happens. You telling me that 26 year old with 6 kids in foster would be better off just having 6 abortions paid for by taxpayers? What the fuck that's kind of fucked up and her situation would still be terrible.
That’s the exact opposite of what I’ve observed. Been listening since about 2003. He’s gotten a lot more compassionate always talking about how he’s done so many stupid things.
I lost over $80k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Charlotte Grace Miller.
She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states
I'm surprised that you just mentioned and recommended Charlotte Miller, I met her at a conference in 2018 and we have been working together ever since.
I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills
That 6 kids at 24 call always shocks me as if it's the first time I'm hearing it. I want to know more. Why, where was the dad, whats her relationship with him.
Different Dad every kid. The thing I'm most concerned about is not making a debt payment in 5 years causing that 60k principle to keep growing. This is a trainwreck that keeps taking. If I was in her shoes I know how to make that 60k go away in less than 10 years, but mentally 6 kids would destroy me.
I believe the commenter was talking about the girls own father. Where was he in all these screwups? Also the 6 kids are all in foster care, nothing to wreck her mine about!😮
The dude makes $5 an hour!😮 Why??!! The person who said he ought to work at Taco Bell is spot on:he’d make at least $13 an hour! My son got his diploma a week and 1/2 ago and got a job offer 3 days later, 1 day before turning 18. He’s being paid $7 an hour more than this man!😮🤦♀️🤷♀️
Hey, dad of a 24-yo with six kids, stop being shy about the details. Your language reveals weakness that you cannot afford to show. No one has "about" six kids. She had six kids. It was not "almost" all medical debt. It was medical debt.
When he tries to act like he has the high road, a parent who has a kid who has children starting at 15/16. He doesn't earn the father of the year award either. Lost kids usually come from some sort of trauma, and it is clearly unresolved
I struggle to believe it was medical debt. She’s basically had a child a year for the last six years. I have to believe she had Medicaid insurance. This father didn’t sound honest and/or just holding back details. I think it’s more likely it was welfare fraud and that’s why she bailed.
that father completely failed his daughter then judges her poor life decisions, sounds like he was a weak father that never disciplined her and now she doesnt respect
@amireallythatgrumpy6508 lol, yeah I figured that. I guess I'm too young to know what housing costs were back when I was in high-school. I just want some hope that I can afford to buy a house by the time I'm 30 or so.
To the dad calling about his 24 year old daughter. He needs to take some of the blame here. He doesn’t know the exact number of children she has?!?!? About 6?!?! He is worried about her 60k in medical bills but didn’t teach her anything about finance?!?! Nice job parenting…
It sounds like the daughter is a "free spirit" and doesn't like to be told what to do. She is looking for love to where a man will take care of her. More unwanted children are probably in her future. I myself see her as a loser and the kind of women that will not change her attitude or her way of living life. I feel sorry for the children that she has abandoned.
Marcell needs to get a court order for some child support. Ridiculous his ex ran from her responsibilities on being a co-parent and abandoned their kids and isn't even tossing a few quarters their way
I’ve loved the show since I first heard about it but I really wanna know how I can get in contact with someone regarding my financial situation because I’m in a really tough spot
He should consider relocating if there aren't welding jobs. I live a state over from SD and we are desperate for welders. My brother is making like 28-30 an hour welding. They offer hire on bonuses too.
Seriously, making $7/hr driving a truck could be making 4x that as a welder… there’s the easy answer. Yet for some reason the poor kid thinks his company is doing him favors.
Exactly. There was a small town business that welded and built cattle guards and fences. They were were paying more than enough to cover a 3 bedroom house and living expenses in town
That one girl who has six kids with all sorts of guys and the dad is saying he wants to help her??? No! Help those kids! That girl's is gone buddy, she needs a hammer of reality and responsibilities. She needs to get those kids back out, it's not their fault mom is trash! They are suffering her actions and she's getting off scott free!
13:01 every dollar budgeting app 28:01 if you don't make a plan for a way out nothing is going to change -Im almost worst than all these ppl bc I'm 41; I thought bc I was more moral than everyone else that God would make a way for me!?! How terribly wrong I was about that!!! I thought to be more money minded was slimy and materialistic like a corny tony Robbins but now I realize that if you don't provide for yourself God isn't really going to do any thing at all. Maybe He might kinda give you some kind of open or opportunity but that never happened for me. It's just you against the world-the christians that say God "blessed" them were usually just rich to begin w/. But I'm totally stunned. I've seen the unexplainable so I know He's real but Hes seemingly not doing much of anything for a person's finances and that's startling
The lady paying for her parents, they need to move back to their home. It makes more financial sense for all parties, if its central America 400 dollars will go a long way for them there.
Right? I think his daughter might have some kind of mental illness. She seems delusional with her "thinking". I wanted to yell out "STOP HAVING KIDS" 😂 Good lawd 🤣🤦♀️
20:55 Listening to this while at work and was not expecting to hear a caller mention Hutchinson, Kansas, which is where I live. I wonder when this clip was originally filmed? Pretty cool.
Yes but that's the point of the show. People have either never been taught or they think they are smarter than the people who taught them. Give them credit for figuring out they are in over their head and asking for help.
It doesn’t matter what your opinion on Dave Ramsey is, he has helped and changed a lot of peoples lives for the better
Right about that 🎉
Sure it matters . He’s a shmuck .
Including mine! 🎉
Me for one. These call-ins are everything and I haven't even done the money make-over yet.
Most of the time, a lesson in common sense is taken much better by a person if it is given by a stranger. I don’t agree with some of his strategies; but he is good for people that have little or zero financial knowledge.
I'd love a Where Are They Now episode
YES!
The girl with 6 kids now has 6 more kids.
Was just gonna comment this. You beat me to it.
I wonder how Marcel is doing.
Same.
12:20 “When we put shame in the rear view mirror, we call that grace.” Wow, wonderful quote.
Please continue making these videos. Absolutely loved it. I appreciate all the work your company does. Paid off $130,000+ in debt. Almost there. There's light at the end of the tunnel. GOD BLESS ❤🙏✨️
As much as I love all the new personalities, these videos make me sad. I forget how many more pieces off wisdom we used to get from Dave. Plus, that father like feel where he'd give tough love, be more compassionate, and give almost motivational speeches.... Now it's like "whats the question, here's the answer, next caller" But back then, he used to give 15 minute + mini speeches and THOSE are what really changed my life. I'm so lucky that when I started listening in highschool and college, I got THAT version of the DAVE Ramsey show... the Ramsey show is fine, but just not the same.
I never watched at the time, only knew any his books. Are these videos you are talking about available on TH-cam or somewhere we can watch it?
Thank you for sharing 🙏🏻
@@therapywithisabelyes, if you go back in the videos a couple of years, you’ll see videos where it’s just Dave (like the clips in this segment). Back then it was the “Dave Ramsey Show” before he started gearing up for retirement and rebranded it as the “Ramsey Show”.
Well, one can only say the same things over and over and over before WE ALL get sick of it.
98% of callers: I'm 60k in debt, I earn 40k and I want to buy a lake side condo for 550k. Help me. Btw, love your show, been listening for years now.
Yeah, that gets tiresome and obviously gentle parenting isn't working for most of these callers.
The difference is that dave has been through it. Something different about someone that climbed out of the pit when no one else could help him but God. His personalities are like children they know what Pappas taught them which is right but the true I had it Rachel hasn't had
How are you, how are you, better than I deserve
dave ramsay is a good person
My grandfather started off as a janitor for a trucking company. As the company grew, he grew too. Became a driver and by the time of retirement he was a department CEO. So it is possible to start at NO WHERE and become someone.
What’s a department ceo?
Keyword = grandfather. The world he came up in isn't currently the world we live in NOW. EVERYONE has a story about how an old relative was able to pull themselves up by their bootstraps and become wealthy. That's just not the world we live in anymore.
Things were also much different back then. That story can still happen but not as much as it used too. I'm not some punk brat either, I had a master's degree and make >150k a year. Just being real
Yes you are 👆
@@greatawakeningnewsnetwork577 yes, it is. People today don't want to put in the work. I did it at 40. Started an $11/hrs role and in 3 months I was building a learning department with a $4/hr raise. When I retired 11 years later I was making $100,000/yr.
The last guy needed that so much, the most beautiful thing is there are people that are trying to find a way to make things better, that is inspiring!
We love you Dave,God bless you more with Good health and long
Life.
At 24:02 Dave began to say “where are the…”. He knew that a 24 year old with six kids was from more than one man. And he was right
I'm sorry but I don't feel bad for her. I get 1 kid it was a mistake it happens but how do you have 6 kids at 24?
Shame on these deadbeat fathers that impregnated her, let their OWN children end up in foster care.
@@rltreasurebeing a Democrat is a booming business
@@bojan1999drugs
@@bojan1999there is such a thing as multiple births. Might be unusual, but it DOES happen & once it occurs, it's often more likely to reoccur.
“We don’t have to pretend”, love this lady, lol😂
Look at the bright side, once you hit rock bottom there's no where you can go but up!!!
I've seen some folks find new bottoms first
Yeah, usually you just dont realize it can get worse, and sometimes it does.
Yes, it is all up. It is what all of us do, but not everyone has fallen so far.
You hit bottom, when you STOP digging.
You can still dig. You will never really hit true bottom. Just the realization that you’re in a terrible situation.
That Marcell call still 1 of the best to date
Agreed
I have closed my credit card today. Thank you Dave. 4 more loans to go. Ice berg method.
Snow ball! ❤ Way to go!
😂
To my man Marcell, you got this dude🫡. The fact YOU are raising those kids says everything anyone needs to know about you. Keep it up.
To all the people on today, you can do it! Start small and keep at it, bit by bit. You allready made the first step by asking for help.
I am impressed by this young man who started working with 16 and still does, hope he will get everything he dreams about!
$15k per year working full time? Dude would do better working at Taco Bell.
That was recorded years ago, when he was probably making minimum wage at $9 an hour
He claimed he was a welder by trade! I wish Dave would have asked him why he's not welding. That would probably easily double his income with huge potential down the road.
@dumdumdugan1940 $9 an hour is still more than $15K are you 15 or you forgot that $15K has been little money every year since 2000?
@@acruzro95 No need to be rude.
@@acruzro95 I’m sorry, didn’t pull out my calculator. Next time I will so I can make sure to satisfy a random stranger on the internet.
Wow, what a blessing dave gave marcel. Marsel, study them books, this is your life roadmap.
Sometimes a credit card debt can go on forever, 6k went on for 15 years. I kept saying I’ll pay it off but kept paying off the minimum payments. I pay it off already, now I’m debt free. Note, never help out families and cousins because they won’t pay you back and if you ask for your money back years later, they other victim and you’re the bad person for asking. Helping families and cousins got me broke and started using credit card. Lesson learned
Ditto! Helped several Family and Friends on credit cards because I didn't have the cash on hand but wanted to help.
I did say to each of them that they didn't have to repay me.
I took out a personal loan in the amount of $13k in August 2021 for five years.
I just paid it off on April 1st, 2024 roughly 2 1/2 years early after throwing everything but the Kitchen sink at the debt.
So happy 😊 it's behind me with just my Car lease to go at roughly $5500.00 leftover.
I can't wait to be DEBT FREE! 🎉
I've loaned money to friends, did work expecting payment and bought tickets to shows expecting to be paid back ,as they said they would. Never. 😆 Luckily all that wasn't more than $500 in the last thirty years. Lesson learned.
You’re all just broke , you, cousins and family all included 😂😂😂😂😂
I'm finishing my loan next month thank you Mr Ramsey
If you are single and living paycheck-to-paycheck, don't get married or bring kids into this world.
Tell that to the people not living in the first world countries, then come back to us.
People need to hear this everywhere starting in Elem school
People should also not bring kids into the world because their friends, family, or religion tell them to.
@beebobox they'd get the same advice. If you can't afford them, don't have them. And it's true of anything.
I lived at home with my parents and was unemployed when my (then girlfriend) got pregnant. It booted me into a new mindset and made me figure my sh*t out. 4 years later we have two kids, own a home, and I own 2 small businesses. We still have months where money is tight but it’s improving constantly.
I love how gracious and understanding Dave can be, especially with that last call who was a single father of two.
I hit rock bottom and I dug myself out it wasn’t easy but I am still struggling and I am improving slowly stay away from toxic people only a matter of times thing will get better if you play your cards right
When it becomes too difficult to organize things, it means you have too much and need to declutter. Buying more containers is not the solution. Most of the cleaning supplies we have we don’t need and if you want to try something new use up something old first. You only have so much square footage if you go beyond that you’re creating a mess. Everything should have a home and be accessible. Forge ahead and much love.
The first guy is a WELDER but he's working a delivery job for $9 an hour ??? I don't understand. He could triple his income if he just got a welding job.
Old call.
Buddy can weld on the pipeline and easily make 5k/week. He already works for a pipeline company 🤦🏻♂️
@@ericpierce6378 Oh wow! I missed the part where he said it was a pipeline company. Maybe that's what he meant when he said he wanted to grow with the company.
@@ericpierce6378this made me laugh 😂 fucking true!
His statement is still correct no matter when the call was made or what min wage was...@@suen5006
Aging parents who can’t afford their mortgage could sell and move into an apartment. There is low income housing for older people. Her siblings are being selfish and not likely to change.
H
Watching this made me realize that I can get through my 7,800 credit that I owe with my credit card. Thanks for advice that you gave in this video Dave blessings to you💜‼️
Wish Marcell could call back in to update us,......besides Dave, the audience "pulls for you to succeed," cause we've ALL been in debt before!
Him sending that man two years worth of books to improve his life was just one of the best gifts
Handpicked books sent from a multimillionaire that was self-made truly that's a once in a lifetime gift
Worth little to nothing
@@Neji1984 typical sour grape comment
Let me tell you I belly laughed out loud at work when he said “pretend your broke” and she said “we don’t have to pretend”
$15k a year driving a truck is ridiculously low. Get away from companies like that
That would be bad for a part time job. I thought maybe he meant to say $50
Maybe in the south?
I have been listening to you sir for the last 2 months. I had credit card debt. not too big but i also owed some money to my friend. i have paid all that off and my only debt is my student loan and i have a 2 month emergency fund. I cried when i payed all this off. i never realised how much of a pressure minimum payments can be.
I really moved when the guy said that I will send books to you and you need to read!!!! ❤❤❤ hope!
My rock bottom was when I was deployed .. and got bomb threats. Running into a bunker thinking I would never come home. I ended up watching Dave Ramsey while I was deployed and paid off my 31k in credit card debt. I thought I was so smart with money thinking I was doing more by moving money around.
Watching Dave while in the bunker?
@@1jw298when I was able to connect to WiFi out there. I had a WiFi box
If you were deployed you definitely should have gotten hazard duty combat pay, even tax free areas. How'd you not knock that debt on deployment?
@@BV-Auto I did knock out that debt
Glad you made it back safely
$15,000 a year, working 40 hours a week?? Goodness me when was this call made? The 1800s??
Some states still have a very low minimum wage even today
This was probably 2017 or earlier
He makes 10.50 per hour
@@growing.grounds4054
That’s $7.25 an hour lol. And that’s how much I used to make working after high school in 2012😂
🤣🤣🤣
24:05 I like that Dave tried to be hopeful that it would be 1 dad and not multiple, shows he did really hope the best for her
Wow Dave sounds so much kinder in the old calls than now. But still, love his Amazing wisdom and straight shooting advice.
Time is money
I need people who called 3/4 years ago to call back for a follow up
I think dad has waited to long to help.
She may have to hit rock bottom before she decides to live differently and she may never change. Pray for her to wake up and change her life.
The difference between my 2 children, my daughter figures out where she is and where she wants to be, then maps out a plan to get there. She is super successful. My son, in his mid-twenties, a couple years after college I had to sit my son down and explain the reason his little sister was so much more successful, since then he's changed his methods and he is also soaring. Having a target and a plan to reach that target makes the difference.
16:00 she really does not even want to try to negotiate with her family the arrangement. She's probably very passive, and possibly has survivor's guilt for being the only family member on the path towards success.
I hope her husband heard that so he can hold her accountable for not holding them accountable.
Thing is, the daughter is NOT in good financial shape.
She has $111,000 in student loans.
@@beck943 I agree with you. That's why I said, "path to success." Relative to her family, she is likely doing great, because they're doing absolutely terribly.
She's got a partner, she's asking Dave for advice, and if they lock in, they can turn their situation around. She definitely needs to work on accountability, and prioritizing. Take care of her fine before she starts trying to help everyone else.
Thing is there's nothing to negotiate. She can say "I'm only contributing this and you guys can decide to cover the rest of not" but her siblings have absolutely no obligation to take care of their parents who sound very irresponsible. She can only set her boundaries. She can't force an obligation onto others.
Sounds like the parents need to move back to their owned property and either brother moves or stays in exchange for helping them as needed.
Also let's not assume she has any negotiating power within her family only because she made up her mind. family is a delecate situation, and other cultures are way less individualistic than the us, some places is simply no concept of "me first" and one can't just force it. it might take some time.i also wonder about the others situation. if they live in a difficult situation themselves, which we don't know, they might look at big shot sister who went to America and maybe rightfully question why they have to support the parents purchase over there? we don't know, but i think it's too quick too assume that she could change the family dynamic and maybe whether she should. if anything, maybe the parents need to make some decisions to not ruin their daughter, if they're still able to. we don't know about their health or mental capacity at this point. also, if she is in the will inheriting the us house then maybe it's fair within family context? i don't know, just wanted to throw some other perspectives in the mix 😅
“You can’t do ready fire aim you have to do ready aim fire”
I hope Marcel is doing well. Sounds like a good guy.
I remember a few years ago at UPS, we had a American Airlines pilot doing causual work. So definately know it does get bad for some folks.
Would like to point people that are looking for cheap cars in the direction of Facebook marketplace as well as certain new car dealerships have a less than $5k trade in sections as well. I was able to get a 20 year old excursion with over 240k miles for $1600 and it lasted me 4 years. It wasn’t sexy but I was able to move cross country for a higher paying job in it and found an apartment that I could walk to work. Good luck and happy hunting!
Man how was that 10 grand a year for fuel? That didn't save you anything.
Dave Ramsey greatest hits? Gotta be a country album!
There are a handful of snowflakes here complaining about how Dave used to talk to folks...the gentle parent way, caring about your feelings and side-stepping poor life choices.
I started listening with his old clips and could NOT stand the repetitive callers: I have 4 kids, 60k in debt and I make 28k a year, I still owe 14k on my car and I want to buy a Condo. What should I do? Btw, been listening to you for years. Help me.
And poor Dave would gently, calmly tell these callers to refer theBaby Steps...over and over that I got sick of it.
The new personality and show tells it to them straight: Why would you do that? What have you done to achieve your goals?
All a breath of fresh air!
Dave is COOL 😎💯
$2000USD per month to support your parents when you're 100K in debt is crazy...
That poor newlywed... I feel for her. Central and South American culture are very toxic when it comes to supporting parents/siblings etc. They probably think she's "rich" because she lives in the US and then no one feels like they should do a thing to help the parents. Her parents obviously don't have the means to afford the mortgage and have a paid off property in Belize. They should live where they can afford to. Plus she's the only sibling helping pay the mortgage but once mom and dad go the siblings are going to want "their share".
It’s about hard work and pounding the pavement. The day before I graduated undergrad I was making $12/hr part-time. That was December of 2018. Last year I made $240k pre-tax. This year I’ve made 180k through June and expect to close out the year just below $400k…. Honestly it’s still not close to enough. And F the tax rates in the U.S. Straight thievery
Let's always do alot of good ❤️
is it possible to get a list of the books that Dave would send to Marcel, the last caller? I would like to read them too.
Did you get the list from anywhere? I want it too
Yep. Amazon and I buy the used books. It's worth it
@@VHick can you share the list here? Thanks!
Man, Dave really touched my heart with his call with Marcell. I wonder if he ever called back in.
To the girl taking care of her 80 year old parents, I would send their butts back home!
I would too! They didn't set up for retirement..its cheaper back home..they should move back or get jobs in the US if they want to stay.
Agree. If they can't afford the mortgage then they should sell and go back home.
@@vianjelosworking at 80 is crazy. its possible but crazy lol
@@ezekielgdk it's crazy for sure but the only way they can afford to stay here. I'd think the smarter option would be to move back to their home country where it's cheaper. Otherwise they can't expect their kid to support them with the cost of living how it is..plus they'd make a lot with the sale of their home and that'd help a lot in their home country.
@@ezekielgdkYes, and that's why they shouldn't be living in a place they can't afford.
That last call was so wholesome!
You can write to the hospital and ask for a lower bill or forgiveness when you show you are not making much. At least I had that option in Washington State. Made too much but was able to get the application/option.
Character and kindness are big no matter how small arrogance and aggression are small no matter how big less provoked
Really hope Marcel is doing well. What a brave man he is, especially liked how Dave’s answer wasn’t “get her to pay child support”.
Why would you relocate to somewhere to make $11.00 an hour? She could make more at the local fast food place!
“Does she pay child support?
“No”
“Why not?
It is his kids right to be supported by their non custodial parent.
6 kids with 6 different fathers, disaster
Yea, he should’ve started with that 😂
Decided to birth and abandon 6 babies to foster care? Inconceivable. Use birth control!!! (Screams internally)
Unbelievable right?! 😮😮😮
I worked with a woman who had a 25 yo kid at home with 6 kids by 4 baby daddy's and the woman was the only household income. Now the younger daughter is expecting and still in high school.
You’d be unfortunately surprised at how many people have kids for the tax return & food stamps. Sounds like a boomer thing to say but it’s true for some
@@capps2015this is exactly why abortion clinics should be set up in poor neighborhoods with free services, thats cheaper then welfare
@@Sarcheindisgusting rather be poor than dead. How bout don't get pregnant instead of killing the child when it happens.
You telling me that 26 year old with 6 kids in foster would be better off just having 6 abortions paid for by taxpayers? What the fuck that's kind of fucked up and her situation would still be terrible.
What sticks out the most to me is that Dave used to be a lot nicer than he has gotten in the last few years.
Not true. He has some good old school rants
That’s the exact opposite of what I’ve observed. Been listening since about 2003. He’s gotten a lot more compassionate always talking about how he’s done so many stupid things.
$797. House payment????????????
As a Californian I just puked while in traffic.😭😭
Maybe it’s a cruel April Fool’s joke 😂
2011 foreclosure for $50K>>> $214/mo
Sold in 2006 for $245K
Can’t even rent a room in a house here in NJ for that .
My mortgage in Ohio is $1075. I'm grateful.
@@SRTBOATsame. Mine is $850.
Id like to see the dates along with these calls. Maybe I'm missing them??
Marcel’s voice changed by the end of that call. He could hear him sitting up straighter.
It's inspiring to see the hope injected back into a person like that. Great call.
Great advice to Nicole!!!
I plan on calling in soon
Did you call?
I lost over $80k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Charlotte Grace Miller.
She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states
The very first time we tried, we invested $1400 and after a week, we received $5230. That really helped us a lot to pay up our bills.
I'm surprised that you just mentioned and recommended Charlotte Miller, I met her at a conference in 2018 and we have been working together ever since.
I'm new at this, please how can I reach her?
I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills
That hurt, Dave... "They can't tell you who got thrown off of the island." It's so dang true though. That's funny...
That 6 kids at 24 call always shocks me as if it's the first time I'm hearing it. I want to know more. Why, where was the dad, whats her relationship with him.
Dads
Different Dad every kid. The thing I'm most concerned about is not making a debt payment in 5 years causing that 60k principle to keep growing. This is a trainwreck that keeps taking.
If I was in her shoes I know how to make that 60k go away in less than 10 years, but mentally 6 kids would destroy me.
I believe the commenter was talking about the girls own father. Where was he in all these screwups?
Also the 6 kids are all in foster care, nothing to wreck her mine about!😮
Hilarious when a credit card is the advertisement before a Dave Ramsay video
23:50 Dave utterly speechless.
The dude makes $5 an hour!😮 Why??!! The person who said he ought to work at Taco Bell is spot on:he’d make at least $13 an hour! My son got his diploma a week and 1/2 ago and got a job offer 3 days later, 1 day before turning 18. He’s being paid $7 an hour more than this man!😮🤦♀️🤷♀️
Love the military reference. You speaking mon language
Classic Dave joke at the end about the books 😂
Hey, dad of a 24-yo with six kids, stop being shy about the details. Your language reveals weakness that you cannot afford to show. No one has "about" six kids. She had six kids. It was not "almost" all medical debt. It was medical debt.
When he tries to act like he has the high road, a parent who has a kid who has children starting at 15/16. He doesn't earn the father of the year award either. Lost kids usually come from some sort of trauma, and it is clearly unresolved
I struggle to believe it was medical debt. She’s basically had a child a year for the last six years. I have to believe she had Medicaid insurance. This father didn’t sound honest and/or just holding back details. I think it’s more likely it was welfare fraud and that’s why she bailed.
The first guy needs to put his skilled trades to use! He would easily double or even triple that if he was welding!
Amazing video. Lesson learned is to invest in you to make yourself more valuable and earn more money.
How can I get those books?
that father completely failed his daughter then judges her poor life decisions, sounds like he was a weak father that never disciplined her and now she doesnt respect
People are so delusional about their own abilities
What kind of home in Atlanta, GA has a $700 mortgage?
You do realise many of these calls are from 2016?
@amireallythatgrumpy6508 lol, yeah I figured that. I guess I'm too young to know what housing costs were back when I was in high-school. I just want some hope that I can afford to buy a house by the time I'm 30 or so.
To the dad calling about his 24 year old daughter. He needs to take some of the blame here. He doesn’t know the exact number of children she has?!?!? About 6?!?! He is worried about her 60k in medical bills but didn’t teach her anything about finance?!?! Nice job parenting…
Or teach her birth control, evidently.
I knew it was gonna be a horror story the moment I heard the caller's name was "Cody"
😂😂😂😂
24, $60k in medical bills, 6 kids, moved away from parents for an $11 job. Typical babymomma mentality
It sounds like the daughter is a "free spirit" and doesn't like to be told what to do. She is looking for love to where a man will take care of her. More unwanted children are probably in her future. I myself see her as a loser and the kind of women that will not change her attitude or her way of living life.
I feel sorry for the children that she has abandoned.
She’s ignorant not wanting advice while digging herself a bigger hole. She sounds like a brat rebelling.
@@Bonnie-v9r she sounds like a self entitled liberal brat.
Marcell needs to get a court order for some child support. Ridiculous his ex ran from her responsibilities on being a co-parent and abandoned their kids and isn't even tossing a few quarters their way
I’ve loved the show since I first heard about it but I really wanna know how I can get in contact with someone regarding my financial situation because I’m in a really tough spot
You can call the show. The phone number is on the screen or description box
Reach out to a Ramsey trusted financial advisor. Calling the show is difficult and won't give you real detailed info
It starts with sacrifices.
Why isnt he welding, they making good money
He should consider relocating if there aren't welding jobs. I live a state over from SD and we are desperate for welders. My brother is making like 28-30 an hour welding. They offer hire on bonuses too.
Seriously, making $7/hr driving a truck could be making 4x that as a welder… there’s the easy answer. Yet for some reason the poor kid thinks his company is doing him favors.
Exactly. There was a small town business that welded and built cattle guards and fences. They were were paying more than enough to cover a 3 bedroom house and living expenses in town
Is Dave still doing this program? I just fpund this.
My parents always taught us kids (7 ) to never go in debt for anything other than your home....and very little if must for na car!
That one girl who has six kids with all sorts of guys and the dad is saying he wants to help her??? No! Help those kids! That girl's is gone buddy, she needs a hammer of reality and responsibilities. She needs to get those kids back out, it's not their fault mom is trash! They are suffering her actions and she's getting off scott free!
You may be surprised at how the fathers could have treated her...
13:01 every dollar budgeting app
28:01 if you don't make a plan for a way out nothing is going to change
-Im almost worst than all these ppl bc I'm 41; I thought bc I was more moral than everyone else that God would make a way for me!?! How terribly wrong I was about that!!! I thought to be more money minded was slimy and materialistic like a corny tony Robbins but now I realize that if you don't provide for yourself God isn't really going to do any thing at all. Maybe He might kinda give you some kind of open or opportunity but that never happened for me. It's just you against the world-the christians that say God "blessed" them were usually just rich to begin w/. But I'm totally stunned. I've seen the unexplainable so I know He's real but Hes seemingly not doing much of anything for a person's finances and that's startling
also I went to churches and NONE would help me after the fire...it is a SICK world
God will help those who help themselves. You have to make a plan or goal and work towards it. Pray for God to bless your finances and guide you -
Family from Belize? The 80 year old parents need to move back home to Belize where they can afford to live if they can't sell the house back in Belize
The lady paying for her parents, they need to move back to their home. It makes more financial sense for all parties, if its central America 400 dollars will go a long way for them there.
My parents would never take money from me like that
How do you not mention the 6 kids thing up front
Right? I think his daughter might have some kind of mental illness. She seems delusional with her "thinking". I wanted to yell out "STOP HAVING KIDS" 😂
Good lawd 🤣🤦♀️
What the hell do you do to amass 111k in student loan debt and end up earning like 50k?
College is and has always been a scam.
20:55 Listening to this while at work and was not expecting to hear a caller mention Hutchinson, Kansas, which is where I live. I wonder when this clip was originally filmed? Pretty cool.
3:26 That question answered my question!
If i had student loans and a car to pay off, what do i tackle first? Car APR is 6% more.
People do it to themselves and then cry when they start to sink .
Yes but that's the point of the show.
People have either never been taught or they think they are smarter than the people who taught them.
Give them credit for figuring out they are in over their head and asking for help.