I paid mine off, was only 14k. Feels great rolling in a nice ride that's paid off. Not gonna lie, I was sick and tired af of making those big payments.
Use to work at a car dealership and the amount of people that bought new verses used was astonishing. Than they defaulted on their loan and had their car repossessed. Think wisely people.....
My husband is over due for a truck. He's not willing to get in debt for it. I'm so proud of him, he dropped $2k and got his old Chevy Dooley running yesterday. Been outside detailing it to enjoy and use for wk. Saving for an upgrade and making it happen. This is not the same man, we had to lose BIG time to get to this point in life.
I've got a strange situation. I always purchased new cars. I could afford them, but really shouldn't have bought new cars. Now I can afford a super-nice new car.....and the more I can afford a new car, the less I am inclined to spend on one.
If Carmax is offering $26k, then the truck probably retails for at least $30k. Truck values are CRAZY right now, especially for 2500 series trucks and if it is a diesel, then even more so. Keep the truck, double up on the payments, and enjoy the fruits of your labor.
I’m the caller. It’s 20k on a consolidation loan and my truck is paid off. I’m also cash flowing college for my sister and myself. So yeah, 117k before taxes in New York City isn’t a lot.
I'm on the way to pay off my car within this year. Not worth selling it to buy something else to keep wanting to get back to the same car again down the road. I love my car!
I’ve had my truck for 20yrs (Tacoma) and boy do I want a new one (the newer 4doors look so good) But I’ve got a few yrs left of life on my current one at least (only 270k), and it still looks good cleaned up. Plus every yr I wait I can get a yr newer model. (2-3 yrs old of course)
I love my truck too, but I was setting cash on a side and paid it off with a year and it was a struggle. I might sell it if I know i could pay cash for a next newer one. I hate vehicle payments
Are you using the truck for work? Do you even NEED a truck? I am amazed (as a person who has owned work trucks for nearly fifty years) that so many folks today own trucks. Whatever for? Do they carry anything in them or tow something with them or is it all for show? I guess trucks have become the Detroit road yachts.
Why do you care what other people choose to drive? As it pertains to the popularity of trucks in North America, trucks are popular because they do everything well. You can use your Silverado High Country or F-150 Platinum for work during the day and then park it outside an expensive downtown restaurant later that evening. While most customers don't actually use their trucks for hauling or towing duties, a truck still remains very useful for the average customer (e.g., trips to the The Home Depot, transporting large items such as BBQs and furniture, driving in snow conditions, etc.). And if you're a numbers person, there's no denying that trucks maintain a higher residual value than sedans.
I literally can't imaging not owning a truck. Buying plywood? Put it in the truck. Helping a friend move? Put the furniture in the truck. Going camping? Take the truck. Towing a boat? Take the truck. Buying trees and mulch at the nursery? Take the truck! If you are a residential homeowner, a having a truck is a huge advantage.
Early on i had the impression that trucks kept their value much longer than cars and i think i am right. That is the reason i buy them, and they come in handy for hauling items.
As a homeowner, I find myself renting u-hauls or a friends truck (if available) for things I can’t fit in the Sienna. I.e. Going to the dump, getting 2nd hand furniture, items to maintain the yard or house etc
makes me feel better about the Tacoma i want to buy - I own my condo, i'm putting $20k down on the Tacoma, and I'm gonna pay the rest off in under 16 months (my goal) while still contributing the max to my roth
My wife and I are debt free other than mortgage but we still want nice things. We paid cash for our cars and now we are saving for a cheap travel trailer. The difficult thing will be after the trailer we will need to get a diesel pickup and those are not very cheap
Some of us need a truck or lg suv to make a living, always bought used. I cringe when I see people buy the largest SUV or truck that have no family or job that needs it. They buy just to show off and are always broke driving up the cost for me to buy used at a fair price.
Question is does he like the truck enough to keep it the next 15-20 years, I'm that guy cause I hate working overtime that much even though I could pay cash for any brand new car or truck right now. Run it to the ground!!!!
He's cash flowing college, has an amazing income, and has already paid off $60k of debt already. Keeping the truck (which is reasonable for his income) is perfectly fine since it's a vehicle he likes!
I paid off 60 grand since 2019. Should I pay off my truck? I'm calling from tiny dunkirk but live in new York. I'm cashflowing college for me and my sister. This call doesn't add up. Glad you got on the show.
he’s probably in construction....ppl from all over the country come to MD on contract gigs he’s also cash flowing college for his sister and himself , that may have started after the 60 k pay off
@@bangladeshirealtor Yep. I figured he worked construction as well. He also said that his job was paying for him to go to school, hence the "reimbursement" comment.
Question: So how much of one's income should be used for buying a car? like if I made 50k a year what would be the max price I should spend on a car? (relatively new to Dave's channel)
@@sosassteelstrings9623 Cash is King. If you buy cash all at once, it's yours. A house you own cannot be foreclosed, a car you own cannot be repossessed. Save for everything you want. If you can't buy it cash, you cannot afford it, period.
AON is trying so hard to bring value to the Dave Ramsey table but Dave has it covered end-to-end. All of these Ramey "personalities" are just useless fluff.
@@craigcarter400 True. Ramsey's teachings will live on because they are solid. Not sure the Ramsey show will live on after Dave exits, these hanger-ons are boring.
@@dustinlinkins3112 ohhh. So THATS what you said at the beginning of the call. It’s ok bro. We love you just the same. 👍🏾. I just ended up using the closed caption understand exactly what you said. Enjoy that truck bro!!!👍🏾🙏🏽
When your net worth is as large as dave's, it doesn't matter if it depreciates. Dave could buy 10 raptors and drive them all off a cliff with no insurance and it wouldn't even tip the scales. It would be like you or me buying a sandwich. And then being worried that sandwich is going down in value by the minute.
What I find discusting are young people sitting on a busy street corner with a tarp over their heads. Often they have a cardboard sign begging for money. They are young, the world belongs to them. They need to get off there backsides and get a job, or a couple of jobs they need to get a life. I am 67 years old it never occurred to me at their age to sit on a corner and beg food and cash. What a waste of their youth.
@@craigcarter400 Going to prove a point on how super fake his story is. I love how vague all the info is on this " show" "since 2019 I've paid off 60 grand in debt." " should I pay 20 grand off my truck?" lol. its a paid caller or someone wanting to get on the radio.
![เปิด อาณาจักร หมื่นล้าน "สาระตั้ม" l [Nickynachat]](http://i.ytimg.com/vi/3XE0nPF4YkQ/mqdefault.jpg)
This is my call that I called in on, so cool
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@@cryptosrus59 yeah definitely not Ramsey
@@dustinlinkins3112 How hard was it to get on show? I’ve only tried calling in once
It's not too hard to get on if you call at a non-busy time.@@dustinlinkins3112 keep up the hard work. You are making great money. Keep it up.
I paid mine off, was only 14k. Feels great rolling in a nice ride that's paid off. Not gonna lie, I was sick and tired af of making those big payments.
Use to work at a car dealership and the amount of people that bought new verses used was astonishing. Than they defaulted on their loan and had their car repossessed. Think wisely people.....
Then *
Be wise
I want to buy new.
But I will only pay cash.
My husband is over due for a truck. He's not willing to get in debt for it. I'm so proud of him, he dropped $2k and got his old Chevy Dooley running yesterday. Been outside detailing it to enjoy and use for wk. Saving for an upgrade and making it happen. This is not the same man, we had to lose BIG time to get to this point in life.
thanks for watching and being subscribed :)
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😆 it a Dually. And a dually even an old one is a beautiful truck.
Sounds like you two are making a great partnership.
I've got a strange situation. I always purchased new cars. I could afford them, but really shouldn't have bought new cars. Now I can afford a super-nice new car.....and the more I can afford a new car, the less I am inclined to spend on one.
@@cryptosrus59 @The Ramsey Scammer, report it by clicking three dots.
The bank is very happy that you love your truck as well.
Ahahahha yeah
😄😄😄
They both win.
@@alexfonseca2063 … nope…. Only one does lol
@@madarchermoto4955 He gets to enjoy the truck, and the bank gets to enjoy his money.
The title is so conflicting. I bet people telling you not to worry about debt have a $hit load of debt. Your in good shape just pay it off.
I love my Rolls Royce because anything less would be uncivilized
thanks for watching and being subscribed :)
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😂😂😂
You're hilarious LOL
Finally someone who understands!
@@cryptosrus59 @The Ramsey Scammer, report it by clicking three dots.
If Carmax is offering $26k, then the truck probably retails for at least $30k. Truck values are CRAZY right now, especially for 2500 series trucks and if it is a diesel, then even more so. Keep the truck, double up on the payments, and enjoy the fruits of your labor.
thanks for watching and being subscribed :)
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Used car prices are INSANE right now!!
@@cryptosrus59 @The Ramsey Scammer, report it by clicking three dots.
I was in the exact same situation. Paid off my debt and guess what, the trucks I can afford now with cash are even better than the truck I sold.
Spammer
@@appleforever6664 lol
Get a job,, dude
If you hate and attack debt with laser focus, your broke friends will think you are weird.
Where did you come up with that? Oh yeah, Dave Ramsey.
Unless you share your finances and debt details with your friends, how would they know your financial business?
Why would they know or care? Weird.
Or your in laws haha
@@HamiltonRb by your habits, and lifestyle, which is 180 degrees different than many people that just waste and spend.
Great job calling in!!! So brave a person who stutters ❤❤ congratulations on your income and truck!
How can you earn 117k a year and still owe 20k 🤦♂️
Easily especially in NJ
Very easily!
Because he said I make x dollars a month, I can budget in a y car payment.
He said he's cashflowing college right now
I’m the caller. It’s 20k on a consolidation loan and my truck is paid off. I’m also cash flowing college for my sister and myself. So yeah, 117k before taxes in New York City isn’t a lot.
Funny you guys mentioned this. I just sold my truck to pay off some debt. Good stuff 👍🏾👍🏾
Yaaayyyyy
Why not just focus on paying off the truck and then keep it forever
Because then the 2021 version of the truck comes out 😩
@@Will-oj3un you Ean 2022?
Hahahahahha
This makes me feel better on my car now. Cuz my car is my only debt and house paid.
You're the man
thanks for watching and being subscribed :)
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I had the same exact predicament with my car, glad I made the best decision.
What decision did you make?
I'm on the way to pay off my car within this year. Not worth selling it to buy something else to keep wanting to get back to the same car again down the road. I love my car!
I’ve had my truck for 20yrs (Tacoma) and boy do I want a new one (the newer 4doors look so good) But I’ve got a few yrs left of life on my current one at least (only 270k), and it still looks good cleaned up. Plus every yr I wait I can get a yr newer model. (2-3 yrs old of course)
thanks for watching and being subscribed :)
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Hubby has 04 Tacoma only 115k mi but Tundra's are sooooo nice!
Confucius says
“If you have debt because of the truck you love, you will get rid of neither.”
Huh 🤔
Great helping people.
I hate debt but I love my 94 f350 that’s paid for 🤷🏼♂️
Hahahaha
Fantastic gentleman! Preach It!
For buying a truck he could not afford? What’s fantastic about that?
I have a 18 year old truck but the new dodge 2500 is calling my name 2021 all the bells 🔔 its the technology these days
I have a 1991 dodge diesel. Never wanted a new truck until I see the new 2021 ram 2500-3500’s 🤤
Im sorry..i wanted to let you know there are real truck available out there for purchase. But some people have fallen in love with Fiat
@@insideoutsideupsidedown2218 lol what do you call a real truck ? Have you been looking at the tug of wars on TH-cam
I love my truck too, but I was setting cash on a side and paid it off with a year and it was a struggle. I might sell it if I know i could pay cash for a next newer one. I hate vehicle payments
Are you using the truck for work? Do you even NEED a truck?
I am amazed (as a person who has owned work trucks for nearly fifty years) that so many folks today own trucks. Whatever for? Do they carry anything in them or tow something with them or is it all for show?
I guess trucks have become the Detroit road yachts.
Why do you care what other people choose to drive? As it pertains to the popularity of trucks in North America, trucks are popular because they do everything well. You can use your Silverado High Country or F-150 Platinum for work during the day and then park it outside an expensive downtown restaurant later that evening. While most customers don't actually use their trucks for hauling or towing duties, a truck still remains very useful for the average customer (e.g., trips to the The Home Depot, transporting large items such as BBQs and furniture, driving in snow conditions, etc.). And if you're a numbers person, there's no denying that trucks maintain a higher residual value than sedans.
I literally can't imaging not owning a truck. Buying plywood? Put it in the truck. Helping a friend move? Put the furniture in the truck. Going camping? Take the truck. Towing a boat? Take the truck. Buying trees and mulch at the nursery? Take the truck! If you are a residential homeowner, a having a truck is a huge advantage.
Early on i had the impression that trucks kept their value much longer than cars and i think i am right. That is the reason i buy them, and they come in handy for hauling items.
@@southerncountryboy8 Plus,
It puts a little more schwing into Mr. Winkey.
F-250 4x4 leather Lariat SuperCrew with a big American V8
As a homeowner, I find myself renting u-hauls or a friends truck (if available) for things I can’t fit in the Sienna. I.e. Going to the dump, getting 2nd hand furniture, items to maintain the yard or house etc
Get out of debt!! You're doing great!!
Dave "Sell-The-Car" Ramsey telling him to keep the truck.... Just when I thought I'd seen it all! 🛻
He recommends keeping it if you can pay it off within two years and you like it.
Dave “Sell-The-Car” Ramsey 😆 that’s about right
Agree he does recommend keeping a vehicle if caller likes it and has enough coming in to pay it off in a certain time limit. Common QA for DR show.
And it is his only debt...
This is me that it’s calling in on it!
I like trucks too, but on top of depreciating the salty winters rust them away in 10 years in Wisconsin.
I wish people would call in with some real problems
thanks for watching and being subscribed :)
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Watch more DR videos, there are some doozies....
makes me feel better about the Tacoma i want to buy - I own my condo, i'm putting $20k down on the Tacoma, and I'm gonna pay the rest off in under 16 months (my goal) while still contributing the max to my roth
Darn i need that thanks!!!!!Dave and Anthony👍👊💪
thanks for watching and being subscribed :)
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My wife and I are debt free other than mortgage but we still want nice things. We paid cash for our cars and now we are saving for a cheap travel trailer. The difficult thing will be after the trailer we will need to get a diesel pickup and those are not very cheap
Rice and beans.
😂
Beans and rice
There will always be another truck.
There will always be another debt
He will be fine.
I hate debt. It hard to pay back.
thanks for watching and being subscribed :)
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Most of us here in the UK are not fond of trucks but small reliable cars, we're cost conscious
We have a much bigger country and drive in lots of different terrains and weather. I love my AWD SUV, bought at 2-years-old and paid for with cash.
I hate debt that is why I saved my cash and paid cash for my v8 ford falcon.
I think this caller is doing great with his money.
Some of us need a truck or lg suv to make a living, always bought used. I cringe when I see people buy the largest SUV or truck that have no family or job that needs it. They buy just to show off and are always broke driving up the cost for me to buy used at a fair price.
"the wusification" Ha!
Dave I make ten million dollars and have a penny in debt. I am at a loss what to do.
Dave: SELL THE CAHHHH!
...beans and rice for you, for 10 months.
Get a job selling pizza and sell everything, so much that the kids think they're next.
Get off your what? OK that’s a new one 😂
Wanting to get a new truck is the reason that i am paying off all my debt.
What is “TSP”?
What kind of truck do you have?
KEEP THE TRUCK.
💪🏾💪🏾💪🏾
What's the problem then? Where's his money really going?
This guy will win with money!!!!
thanks for watching and being subscribed :)
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Question is does he like the truck enough to keep it the next 15-20 years, I'm that guy cause I hate working overtime that much even though I could pay cash for any brand new car or truck right now. Run it to the ground!!!!
Definitely keep it until it won’t run anymore. Then get a 5+ year old vehicle with cash.(new if you have $1 million net worth)
Just pay the truck off!
Dave: “Turn off the news and Shut up!”
Also Dave: Goes on Fox News and craps on poor people struggling from a global pandemic
Keep the truck and do overtime like crazy
He's cash flowing college, has an amazing income, and has already paid off $60k of debt already. Keeping the truck (which is reasonable for his income) is perfectly fine since it's a vehicle he likes!
Nice work 🎆🎇✨🦕
How do I do this? I need to call dave . my life sucks
I hate debt too but I love my yu gi oh cards
Just turned 16, student loans & my $50K sedan all paid off.. I just stopped buying Starbucks and bought a nespresso machine instead :)
I paid off 60 grand since 2019. Should I pay off my truck? I'm calling from tiny dunkirk but live in new York. I'm cashflowing college for me and my sister. This call doesn't add up. Glad you got on the show.
he’s probably in construction....ppl from all over the country come to MD on contract gigs
he’s also cash flowing college for his sister and himself , that may have started after the 60 k pay off
@@bangladeshirealtor Yep. I figured he worked construction as well. He also said that his job was paying for him to go to school, hence the "reimbursement" comment.
They are talking about racism and sexism at the end.
Can someone explain the GSP or whatever they said that the guy had?
Use the CC feature. He said cashlfowing college.
TSP = Thrift Savings Plan (retirement account)
Question:
So how much of one's income should be used for buying a car?
like if I made 50k a year what would be the max price I should spend on a car?
(relatively new to Dave's channel)
Typically, he recommends not more than 50% of your income. I think that is still too much. I'd say 25% though.
@@smartcookie3500 okay and of that set amount I should wait to save up to buy all at once or pay piece at time?
@@sosassteelstrings9623 Cash is King. If you buy cash all at once, it's yours. A house you own cannot be foreclosed, a car you own cannot be repossessed. Save for everything you want. If you can't buy it cash, you cannot afford it, period.
@@smartcookie3500 alright thanks. I'll see what I can do in couple of years
He got a truck load of debt
thanks for watching and being subscribed :)
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Punny
Sure he loves his truck now. But just wait until a younger, hotter one comes along...
If you love the truck then live in the truck and eat rice and beans in the truck.
AON is trying so hard to bring value to the Dave Ramsey table but Dave has it covered end-to-end. All of these Ramey "personalities" are just useless fluff.
They are learning from him so when he retires they can take over running it for him with Rachel probably at the helm.
@@craigcarter400 True. Ramsey's teachings will live on because they are solid. Not sure the Ramsey show will live on after Dave exits, these hanger-ons are boring.
What did he say about college?
Use the CC feature. He said cashlfowing college.
Thank you for the suggestion.
@@nadinewalker9375 you are very welcome. I accidentally stumbled upon that idea becasue many times I cant understand what the callers are saying :).
@@jeffreywhitaker5154 I am the caller for this clip, I stutter and I’m sorry you couldn’t understand me.
@@dustinlinkins3112 ohhh. So THATS what you said at the beginning of the call. It’s ok bro. We love you just the same. 👍🏾. I just ended up using the closed caption understand exactly what you said. Enjoy that truck bro!!!👍🏾🙏🏽
OH Dave Drives a Raptor...good choice....really shows he knows what a great truck is..holds value well.
When your net worth is as large as dave's, it doesn't matter if it depreciates. Dave could buy 10 raptors and drive them all off a cliff with no insurance and it wouldn't even tip the scales. It would be like you or me buying a sandwich. And then being worried that sandwich is going down in value by the minute.
Sort of sounds like George Bush
What I find discusting are young people sitting on a busy street corner with a tarp over their heads. Often they have a cardboard sign begging for money. They are young, the world belongs to them. They need to get off there backsides and get a job, or a couple of jobs they need to get a life. I am 67 years old it never occurred to me at their age to sit on a corner and beg food and cash. What a waste of their youth.
Cry me a river
Right
Caller - I'm a billionaire.
Dave - Rice and beans, beans and rice.
😎🖖👌✌👍😁
Another scripted call.
Nope, sure wasnt, this was my call
What's the year, mileage, make and model of truck?
@@bigpete1014 Do you want his VIN too while he’s at it? 🙄
@@craigcarter400 Going to prove a point on how super fake his story is. I love how vague all the info is on this " show" "since 2019 I've paid off 60 grand in debt." " should I pay 20 grand off my truck?" lol. its a paid caller or someone wanting to get on the radio.
First comment
I'm never first lol.
@@DebtFreeDad It's tough on his videos. I was first on a drug commercial youtube video (Humira)
@@wewhoareabouttodiesaluteyo9303 lol funny
I love how you were first 😯
Yasser masser . You know you ant to hear Anthony say it
thanks for watching and being subscribed :)
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