Stop Blaming Dave Ramsey For Your Financial Trouble!
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- เผยแพร่เมื่อ 31 พ.ค. 2024
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"When I do a budget, we don't stick to it." Found your problem.
😊yuuuup for sure
As always...the math is simple but the human arithmetic is the "fuzzy" part.
That sounds like me when I say I’m going to go on a diet
Getting out of debt is simple, not easy. It takes discipline. Stay away from un-disciplined people and you will prosper.
stay away from credit cards simple
@@angel-ij4xvfrom most people. Absolutely
@@angel-ij4xv
Yes and alcoholics should stay away from beer and wine.
Same as losing weight
@@angel-ij4xv but not easy, haha.
"Are you Safe????" at 11:01. Even the caller was like "chill bro!". Dr. John lol...
Deloney was concerned about domestic violence. He had to ask. Situations this dysfunctional are breeding grounds for domestic violence.
I thought it was a valid question. She was false bubbly through the whole call and she mentioned the husband not being on board as a barrier. He was trying to make sure that it wasn't deeper than that and a full on controlling abuser.
@@KatieBellinoAre you safe?
@@healthwithmarcus😂😂😂
@@thirdcoast-nx7jxyou can legit make the argument that everything is a "breeding ground" for domestic violence.
They told me to drive in a straight line, and so kept turning right and left. I have no idea how I got lost
😂
3:25 “I wouldn’t be doing this if I thought everyone who made mistakes were mistakes themselves.”
Now THAT was beautifully put.
I recently paid off two collections and I had to put in tons of overtime at work to eliminate it. Now I’m working on my car loan and throwing chunks of money at it. It’s rewarding to see the balance going down weekly!
Congrats!
Keep going! That’s awesome!
Don’t stop. After it’s paid off, save and invest. No greater joy then being financially secure.
You will get to a point where you have no more debt... THEN you need to invest your extra weekly income wisely (eg. S&P 500 Index)... that is how you become rich.
CONGRATULATIONS! Keep up the great work.
Dave teaches people how to be financially responsible, typically people who want to live beyond their means and indulge in irresponsible spending don't like his methods. It takes A LOT for a credit card company to sue you, clearly they're much more reckless with money than what they're telling (meaning the wife too, not just the husband).
Yeah I had made some bad financial choices especially younger (better now and making better income) but never had a credit card company sue me.
These people just want to be heard on the radio, that’s all. She makes ZERO sense.
He said don't talk bad about my friend Lindsay
Wow...that's sweet, I love it
She just keeps chuckling and laughing, and says she's happy. My wife and I got an eviction notice from our landlord years ago, and we were not happy about that or our debt. We got out of it, we caught up on our debt, and never did it again.
She sounded like nervous anxious laughter. Putting up a pretense of happiness on the outside.
@2bituser569 I understand that, but this was too much. Even the hosts thought she wasn't serious enough.
I sounded like this when we lost our home to a flood. It was just such a surreal situation I think my brain kinda kicked into protection mode and made me act more positive as a weird coping mechanism.
These people always interrupt guests. I thought this was the Dave Ramsey show ?
@@fredcurrier3288 Those are two of his co-hosts. Also, you have to interrupt. You can't let them drone on forever. Listeners get bored.
The secret is never get into debt. So simple, always live below your means so if a financial emergency happens, it’s not a emergency because you have funds to cover it.
Simple but people can't seam to do it, kinda like just eat healthy foods easy but difficult
“Live below your means” yeah no thanks
People are always looking for someone to blame even if you have helped them from deep water and killer sharks.
True that! They would complain that they had to pay taxes after winning the lottery
This lady's personality explains her financial situation perfectly. Frantic and just all over the place.
Wow! Have you ever been in this position??
sounds like denial
She’s not all over the place lol she’s got a great personality
She does sound super ditzy
Good luck...you got a mess on your hands.
It takes a lot for a credit card company to actually sue you. This woman probably has had some major issues for a long, long time.
Yeah, sue for 4k? 😮
She’s an entitled emotional brat
Yep. These are tiny amounts for them, destroying your credit score is usually more than sufficient for them.
Sign cash is tight out there, they will squeeze the blood out of rocks if they have to.
@@joelkabenno. Destroying your credit does nothing for them.
At 7:36 Jade is spot on - how much more is it going to take for this woman and her husband to get serious about her debt? Do they need to be thrown in jail?
They wouldn’t do good in jail, they would get themselves owing someone who wouldn’t think twice about doing something terrible to them.
Yes! Good point Jade
Credit companies usually dont sue, they usually contest sudden bankruptcy claims or unpaid debt.
This is me! I’ve been doing Dave’s program on my own terms and have failed miserably. I finally decided to stop doing my own personalized version and do it Daves way I cannot wait until the end of the year to see my accomplishments. Tired of the struggle 😫!
Good Luck!
What were your terms? Cause I have been Dave's program on my own terms and I have amassed a little over 4 million so far. What is "your" terms?
@@johnSmith-uz8nl my terms meaning not following his plan accordingly and doing things my way. Like instead of paying the minimum on my cards to save 1k first I would pay the minimum, charge more, save less. It’s basically not being disciplined.
@@Shawnmico1 First of all, I never carry a balance on my credit cards... that is a sure way of staying poor. I personally have a HELOC and multiple cashback credit cards... that is why I don't follow Ramsey. Also, if you have a low mortgage rate, I may not pay my mortgage off fast.
Dave has a great video out on this. He told people to not call it his plan when your not following it. Your doing your own plan and it has nothing to do with him. It’s definitely a good watch! I’ve done Dave’s program to the Tee and I’ve paid off 40k in debt in 18 months. It really works if you just submit yourself to it! Good luck my friend!
You know, people knock these companies trying to get their money back, but I don't blame them.
Pay your freaking bills. You borrowed, you pay it back.
Msgs Dave
Only in installments, not in a lump sum. People agree to pay in installments, not all at once.
@@ElliotTManThe paper you sign, (also known as a contract) when you borrow the money says what the payback terms will be. If you comply with those terms, the lender won’t ask for it back all at once.
Completely agree
That's far too reasonable for current society. It's someone else's fault always, never our own. Or, at the very least, probably Trump's fault. 😅
She.... didn't hold her breath. 😂😂
Lol John just can't help but do these corny things.
I would love to see more of this kind of energy more consistently on this channel. I love seeing the callers treated with dignity and kindness.
I adore how John treats people. He genuinely cares & changes how they feel when they hang up the phone
Stop calling Dave "old". Old is irrelevant. Dave is very relevant and the methods work!
Do you believe earning money is easy when you have a reliable source of income
He is old.
Have you ever thought of earning money despite your job I can show you how I double my income
Any chance he gets, John calls Dave old.
@@sblijheid And wise
She sounds young and immature. She sounds like she’s trying to pay off her debt. It also seems like more is going on in her life than she is letting on.
For sure 😊
They have the money.
Dave has helped me do a complete 180
On spending. I’m doing great now
Avoid the 360
@@alinatamashevich3354 yeap
I would advise her family members to NOT loan them money to pay off their credit cards, unless they are willing to part with it forever. She sounds like an unserious, irresponsible person😮
I taught FPU years ago. I worked the program too. It was huge help in getting me and my wife to understand and communicate with finances. After we got out debt and maintenance we are about to pay off our second home and live off the fruits of our first home and retirement.
YES. Dave Ramsey’s program works. But folks do need to sit down and do a WRITTEN budget.
Dave has made an absolute fortune selling common sense. Good for him!
@@linkbelt111 I wish I was as smart as the dude. Is it true his net worth is north of $800 million? :-)
Why would a CC company sue over $12K and $4K doesn't make sense, there must be something else going on that she is not telling us. They would just send it to collections if anything no ?
Making money is not the same as keeping it there is a reason why investments aren't well taught in schools, the examples you gave are well stationed, the market crisis gave me my first millions, people shy away from hard times, I embrace them.. well at least my advisor does lol.
Investors should be cautious about their exposure and be wary of new buys, especially during inflation. Such high yields in this recession is only possible under the supervision of a professional or trusted advisor
@@McElvinn This is superb! Information, as a noob it gets quite difficult to handle all of this and staying informed is a major cause, how do you go about this are you a pro investor?
@@Aziz__0 Not at all, having monitored edge my portfolio performance which has made a jaw dropping $483k from just the past two quarters alone, I have learned why experienced traders make enormous returns from the seemingly unknown market. I must say it's the boldest decision I've taken since recently.
@@McElvinn I've actually been thinking of reaching a portfolio-adviser, my 401k and stocks been losing everything it's gained since 2019, mind if I looked-up this one coach you use?
@@Aziz__0 The adviser I'm in touch with is ''NICOLE DESIREE SIMON''. He works with Merrill, Pierce, Smith incorporated and interviewed on CNBC Television. You can use something else, for me his strategy works hence my result. He provides entry and exit point for the securities I focus on.
The ol reliable "Are you safe?" line from Deloney lmao
😂
I can't believe he said that BS
Don't forget the "Don't talk bad about my friend so and so"
And the "Hey you know I'm just some stupid idiot with a microphone".
He annoys me with that lmao
Safe from what I don't get it
I practice Ramsey lite, lol. I am a believer in being or trying to be debt free, and I live rather modestly but I will not sacrifice time or an experience just to live a certain way someday. I'll driver a cheaper car to have financial freedom but as a Dad I was not going to sacrifice years of her life working, working, working to achieve that. Sure I understand compound interest but I've seen people make and lose and make money again, but when this moment is gone, you will never get it back.
That’s just NUTs
@@sendit3251 Explain?
Very interesting perspective!
Live for today not for tomorrow. That's basically what I got from this. It's good to have no debt and if you're able to save a good amount of money without being extreme then that's good. The extreme is for getting your debt done and starting to save again.
If you don't have debt, great. You're doing the right thing.
If you do though, then good luck because it seems like like I you're making excuses to keep doing what you're doing.
Only you can know your real situation but if you're not willing to change your habits you will always live like you're broke, and that's the point of the channel.
@ItsMrLee I understand the point of the channel, but like you said, only you or I know our situations. All about priorities and values and understanding the consequences of your choices.
Let me give you an example. Many years ago, when my daughter was 6, we took her to Disney, and you know how expensive Disney is. Dave would say there was no way I was in a financial position to do so at that time. Well, my daughters face lighting at the wonders of Disney, dressing her up like a Princess 👸 for dinner, etc was priceless and I wouldn't have traded that for anything including getting out of debt a little faster or saving for retirement, etc. Money comes and goes, but those memories will last forever!! Never sacrifice your memories for money!
Paying a lawyer because u didn't pay your bills....😢
Super appreciate John and Jade's compassion on this clip
Love watching Jade and Dr. Delony together. You guys are awesome. Thank you for all the informational help given to people willing to listen.
We had to say no to 2 family trips this summer. It sucks but we don’t roll/debt like they do. Focus on your pains and cure them so they aren’t running in the background while you play!
Well done 👏
I never took a vacation for so many years... now I am at the stage of taking two a year plus weekend trips. Your time will come.
@@johnSmith-uz8nlwho needs two trips a year and weekend trips? That’s such a waste of money.
10:53
I was waiting for John to ask! 😂😂😂
😂😂😂😂
They are too reckless. The best thing that can happen to them is to have their wages garnished. If you can't be responsible enough to do it yourself, let a judge order your money to go to your debt.
Faxx😊
I thank Dave Ramsey. I would have been worst off if it wasn't for Dave Ramsey. But I still have to clean up the mess i made before learning what ive learned from Dave Ramsey 😫
when it comes to people who are terrible with finances they blame everyone except themselves
Does Deloney get a bonus when he asks "are you safe?" Even the caller was confused why he was asking it.
I'm just glad Dave has him wearing long sleeves to hide the scribble skin tattoos.
Quack has a script and can't deviate from it
According to Deloney, every man a a violent wife beater, and every woman is a domestic violence victim.
Do you think he would believe me if I told him that my ex-wife was violent and I was the victim of domestic violence? I doubt it.
She’s clearly scared. You 🤡🤡🤡 are just hating, just to hate.
@@GardenerEarthGuywhat’s wrong w tattoos?
Debt snowball melted mid payback. Got to see it through. Celebrate victories but then back to the grind.
Delpney asks the questions he does cause this girl is so hard on herself and talks down to herself saying she’s “used to people being hard on her” and all that. She puts herself down the whole call and talks about how her husband wasn’t on board with Ramsey. Those questions he asks are 100% legitimate and necessary. She’s showing all the signs of “hiding” a deeper problem, even if she isn’t.
GREAT COMMENT. You're right.
100% I’m certified in abuse and neglect with DCF and she did have some behavior mannerisms as well as talking extremely fast and negative self talk that raised a reg flag.
@@flashthecorgi2053 Good insight.
I can see this. However, Do you think it’s possible she’s just playing the victim card to avoid taking full responsibility?
“Are you safe?” Oohh Yeah!!!!! 🤡
dr balony 😂
A lot of difference between paying off a credit card and blowing them off. It kinda boils down to doing what you SAY you'll do.
No one:
John: aRe YoU sAfE?!?!
Dave said we don’t need a credit score and the bank laughed at me when I said that and said go see Dave for the loan then. Lol
Dave says not to take loans your absolute tool!!!!!!!!!!!!
Credit scores are one of the reasons the rest of the world laughs at the USA. Only backwards countries like the USA have them, civilised countries don't.
The sell ...surprise...... DEBT! Just like a car dealer telling you you need a new car. A credit score is only for those who want to stay in debt.
It is a shame that credit card companies have to sue to get the money from dead-beat borrowers.......if the situation was reversed and the bank owed people money, the people wouldn't want to have to sue to get it.......pay your bills, period.
Banks are the biggest criminals don’t kid yourself. They steal money on a daily basis but yes you should pay your bills
Keep the comments to yourself
Numb nuts
Great Job Dr. Delony. At times like this your training and wisdom shines.
Brown noser.
Lol
Why do some people always blame other's. Just own your part and grow from it..
Because this culture supports being playing the victim card. Even if they got themselves into their own mess.
When I was young in my 20's. I was spending money like crazy. I would let my friends borrow money, but I would never get paid back. I learned by my mistakes and now I am in my 60's and I saved every penny starting in my 30's and up. Now I have rental properties and I am in the stock market. Sometimes I think OMG. I am just amazed on what I have done and what I have accomplished. You make mistakes and learn from it that is what I was always told by my parents. They also told me have faith in yourself and God. Amen!
lmao at John repeatedly calling Ramsay "an old Nashville dude" and the method "a scheme" haha
So what's their income? What are they spending their money on?
This
On BS.
Very helpful analogy of guilt vs shame with the cinderblock and backpack!
Financial hardships will not be a giggling situation in the future. These relational issues need to be addressed if they want a stable future together.
Dont marry a child
Your past doesn't define you onless you allow it to🤫
Dave Ramseys methods don’t have to be the end all be all of your financial decisions. BUT it can help you get a grasp on your overwhelming consumer debt, take care of it, then either continue to follow the steps, or LEARN how you can leverage other types of debt to make more money. But you gotta start with understanding what you’re doing wrong to begin with. Its the bad relationship we Americans have with consumer debt that causes a lot of our financial problems, whether cuz we weren’t taught something better or just choose to ignore it. Either way, there is a way forward, you just gotta be willing to roll with the punches and get back up every time you fall down.
GREAT comment.
And pay your debts
The KISS Army lovers that Gene Simmons hair, lol
It might sound dumb this interview but this situation of pin someone else opinion instead of being direct to what we feel and think is more common that you might think. I love the way they addressed it
People's repressed trauma has their ego in a fit over this powerful energy.
Was waiting for it and sure enough Dr. John randomly pulls out the do you feel safe lol
Blink twice
Oh my goodness I love your advice that you gave her. No more Dave Ramsey in your narrative. Love!
Why would you pay money for a lawyer and not just pay the credit card down?!?! What since does that make?! 🤦♀️🤦♀️🤦♀️ You aren’t even going to win credit card company’s have unlimited lawyers 🤦♀️
You're always better off settling cc debt than paying it down, imo. My husband and I got out of debt by settling for 10% of what we owed. No lawyers necessary.
Makes about as much sense as saying "since" instead of "sense" lmaoo
just stay away from credit cards they are nothing but a trap
Cause a suit was served...they don't know how to answer that. If they paid this off years ago this be behind them already.
@missdemeanor3524
These amounts could be the settled down versions. Given how reckless they are, this could be the issue.
I was waiting for the "are you safe" part from Baloney. And he didn't disappoint.
Great insights here.
Dave's system works. It's very simple to follow.
"Dr" John: "Damn it, as always, the other host answered everything... I need to say something to keep my job... Wait, I know what to ask! ARE YOU SAFE?!"
They really babied this woman, lol. And John... "are you safe"? cringe. 😂
Dont use a credit card if your not sticking with a budget people.
That's the kind of support you need. He taught her how to breathe because she was freaking out. But the singing cracks me up 😂
John thinks everyone is unsafe..
Blink twice
Can you imagine being his wife take a deep breath pull your elbows down 😂 caller sounds so confused jade stop him
I was wtf is this guy talking about 😂
And we see where the Dave Ramsey dismissal crew end up chasing those credit cards and credit scores 😂
“Are you safe” 😂😂
John always goes to the "are you safe". Ask some deeper questions and then that becomes obvious.
More dave straight talk less deloney are you safe please
😂😂 omf I’m so tired of it
Drink!!! John said I can’t breathe
“Are you safe? 🤡”
dr balony 😂
There are other good gurus that have good plans that work too. My husband doesn’t like DR either. Mostly because he won’t stop saying, “Better than I deserve!!!!!”
Hey Jade, thanks for rocking the natural hair. Do you have tips to take care of natural hair on a budget?
Requires sticking to the budget along with self control it’s not easy but it’s the only way. Good luck hope you manage to achieve your goals ❤️
Thanks!
I love this show. Love Jade and Dr.John
The best pairing of the neo Ramsey personalities.
Zizi. What a wonderful name.
Instead of trying to settle the debt for pennies or dimes on the dollar, treat it like a student loan. You agreed to pay it, so pay it.
Remember credit cards have over 20% interest rates in most cases, so if they've been delinquent for a while, the company may settle for what they actually spent versus making money beyond that. While I agree in paying your debts, people being advised this on Dave Ramsey are told this because they are in a massive financial hole.
@@b-rad-3849 I am all in on that, not holding my breath tho.....
Female Caller - hi guys great speaking you!!
John - “ARE YOU SAFE?”
Jade: You can pay the 4k off this month. Caller: silent. Why did no one ask how much cash the caller had on hand?
I was wondering the same thing. The clip may have been edited due to break . . . .
I don’t like the philosophy of “just settle the debt for pennieson the dollar.” You bought it, you took the trip, you ran it up on eating out and buying crap….you owe it. Pay it.
So bankrupcy is somethi g that should be outlawed?
Medical bills and job layoffs happen, and people get in trouble. That’s understandable. Debt for trips and clothes and furniture and dining out? If I was in charge, which I’m not, they wouldn’t be eligible for bankruptcy, no. @@jackfox5738
If the credit card company accepts it, what's the issue? I wouldn't worry so much about other people's business.
Now the government "forgiving" debts, I hear ya.
What do they do for a career? How much do they make in a year? Do they each make 13.75 an hour? Or 30.00 an hour? Why weren't those questions asked? If they make 20-30 an hour each, they should have no problem knocking out the debt. Of course they need to cut down on the spending. Was curious to know what they make in a year salary wise.
I was wondering why they never asked for household income, at least not on the air.
Because these two are clowns and one specialized in breaking up marriages....Are you safe, please John lol. This is exactly why the ratings are falling faster than the value of the dollar
Jade rolling her eyes at John lmao
Have to blame the husband?
In a marriage, you blame both.
I don't follow him either. That does not mean I don't pay my bills.
This energy was powerful.
Scary is when paying nothing on credit card debt, opening other credit cards, using mortgage portion of budget for trips, and ignoring 29% plus penalty for late payments, then thinking somehow an end of year tax refund will help but it's aleady spent, while eating out instead of cooking, and neglecting to pay insurance, or delaying roof android medical coverage. That's a not safe, for sure.
John: “I’m gonna ask you something real quick, and I might be crazy. How’s your relationship with your dad?”
Witness what the masses are doing and do the exact opposite. I have no idea where this is from but I heard it somewhere and love my by it.
Oh wow! I’m a Sheila❤️ how do you get a credit card company to sue you! Cut up the cards.
Lol “Are you safe”? Bro not a single thing she said would lead you to ask that
Our marriage got off to a blessed start because we had the information and motivation to work our way out of debt...we are incredibly fortunate that we were able to attend a financial peace university class. This opportunity was huge for us.
If you don't take responsibility for your OWN financial decisions, you do yourself a disservice.
The lawyer will cost you two grand. They paper each other, then dismiss in court. Then they split the 2k. Its in the lawyers playbook. Another one is class action suits. Only one that gets paid it the head of the class and of course the attorneys.
I think they should sell some of the things they purchased and make some payments or negotiate a deal, something. My opinion.
It is so annoying when John refers to them in the third person "my friend so and so" and then it's all dramatic like telling them they're not stupid.
Then two seconds later is like "I'm just some dumb buffoon myself".
If I went to counseling and that's how my psychologist talked with me I would walk out the door.
And my good lord, the are you safe question.
Even the caller was like "WTF does that mean?".
Dr. John: Lemme ask you a question...
Me: If he says "Are you safe?" Imma lose my 💩.
Dr. John: Are you safe?
Me: GAAAAAAAAHHHHH!!!!!!
I understand why John asked her if she’s safe. She was talking so fast I could barely focus at times. Wishing them peace and success!
He uses the same script with every caller . “ Are u safe? Take deep breath “
aRe yOU sAfE ?? Lollll wth where did that come from.