My Wife And I Don't Agree On How Serious Debt Is!
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- เผยแพร่เมื่อ 26 มิ.ย. 2021
- My Wife And I Don't Agree On How Serious Debt Is!
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When Anthony found out what cars they have 😂
I’ve screenshot his reaction. Like “BRUH?”
Without having a clue that he was upside down
He melted onto the desk 🤣
@@TheeMrsChampion 🤣🤣🤣yes,
His face!
He’s just as bad with spending. Don’t blame it all on her, dude. Your truck was an unreasonable purchase too.
Yup
And then trying to justify it with his camper that he just threw at them for free
@@TheIronChainMaster Right?!? So embarrassing...
This guys like "my wife needs to stop with the vacations because i need to pay for my 100k truck camper combo...."
😂 him and his wife are nuts 😂😂
This guy literally watches Dave for years and still has 100k+ in car debt 🤦🏻♂️
He clearly didn't understand the homework. I was confused about the cars too
He say he finished financial peace university, then went and bought 2021 cars, its not just his wife its him to.
I was rooting for him then he said "I can't sell the truck because it pulls the camper" Um... This dude was blaming his wife for everything and not looking in the mirror at all.
@@josephinenelan4204 lol, yeah he needs to change his behavior and stop making excuses
He dropped out the university
Hopefully he looks through these comments and see what we all see!
@@ashleyjones5396 lol
His wife doesn’t think debt is serious, yet he goes and gets a brand new truck. Lol
Aaaand a camper
Right? Lol what an idiot
literally my thoughts exactly lol
He might have gotten it before he seen the light….
@@lionsden305 nope.. he mentioned the wife vacation love first, then he mentions he can’t get rid of the truck, because of the camper.. you don’t need a 60k truck to pull a camper.. he hasn’t seen any light
Dave would've torn this caller to shreds.
How do people think that $250k in liabilities is normal? At what point do you stop and think, "man these debts are starting to stack up!" Blows my mind.
I agree I get nervous about not paying a bill the day it comes in 🤦🤦🤦
Wouldn’t know.
Still hung up on the six kids part of story.
@@johnb1121 same when I go off the plan & use my CC for food expenses but I pay it off
@@blackworldtraveler3711 the 2020 n 2021 cars is bothering me
@@howlbeast and then he's like "I'm stuck in the truck because I have to pull the camper" 🤣🤣🤣🤡🤡🤡
“Need a truck to haul my camper” while he’s hauling around 250k debt lol. Pretty sure this guy will have debt for the rest of his life...
I rather be poor that quarter of a million in debt
@@unfairsanic5089 If someone has 1/4 mil in debt they are poor.
What a dysfunctional household. This guy is projecting onto his wife and blaming her for things they’re both doing.
That’s so childish! These callers make me wonder I’m glad I don’t do finance n am financial illiterate
who held a gun to his head on the car purchase for himself? sure, blame the wife.
I think he did
Right! He could make some headway but selling his own truck and buying one with cash. That truck could also pull his trailer when it’s used. Matter of fact, just sell the trailer too! I definitely understand vacationing with all those kids and being a military family myself. They could use their timeshare and just have short stays in Myrtle Beach which isn’t far from Raleigh, NC. Once he shows his wife he is serious about getting out of debt, she may also get serious. Smh The crazy thing is they have good income.
I have heard of wives doing some crazy things and she holds a financial gun called divorce.
I just know his wife is going to demand a brand-new car in 2022
Facts: There is no way that they are giving up these cars. Nothing will change here until there is a serious issue that forces them to get beyond, “well, we can afford the payments”.
Yep they never give up the cars lol
@@edb484 - seriously. Underwater with 2020 and 2021 car/truck and the man says, “well I need it to pull my camper”...AND Timeshare!!! Wow. Just wow. 🤦🏽♂️🤷🏽♂️🤕🙃
Plus they are new Nissans. The worst car company for reliability.
@@ugabuga1361 actually the titan is very reliable because it has a regular automatic transmission not a cvt......even the murano isn't that bad....
@@truckercowboyed2638 Scotty Kilmer would disagree with you.
This is why when one person calls blaming the spouse and Dave and the personalities calling the spouse dumb and stupid doesn't work. This guy just got caught saying more that $100k is because of toys while blaming his wife that it's because she wants to go on vacation.
But then who makes the most $?
they BOTH did that, over 40 grand is a Marano with virtually every option you can have, yes he goes and gets a pro 4x but she has a lot on that Marano as well .
Who can spend the money the fastest?
He’s trying to blame the wife but won’t look into a mirror and admit his faults. She’s not 100% responsible for the debt.
Anthony better watch it. He is becoming more and more like Dave. 😂
I love it though. He really feels it 😂
lol 😂 yup
Like father like son 🤣😂
Ken too smh they need Chris back
Right! He is like Dave.
I have a 2009 Nissan Sentra and I'm driving it until the wheels fall off lol. It's paid off in full💃🏾💃🏾
Good girl! I’d rather have 40k working for me in an investment than a 40k car DEPRECATING in my driveway! Drive proud and smile when someone gives you that look about your ride. I know, I drive a 2010 Subaru and people know I can afford something else but I just smile
My 2006 mitsubishi galante just croaked this year and it killed me to get another car. I got a 2013 camry this time and it only has 80k miles on it. I'm hoping it runs past 300k!
1998 Toyota Camry. Over 800K miles and still going strong. They don't make them like that anymore. It looks like a 25 year old car, but runs flawlessly still.
Better then mine 2008 chevy lolll I'm saving up to get atleast a 2012 or 2013 Toyota
2010 Tacoma here. Love it. Taking it in to get the tires rotated and the oil changed tomorrow. Taking good care of my ride...like its a pet 🤣
$120k on Nissans? They must be the full package too
The way Anthony dropped the pen once he heard about the cars- hilarious
Caller: I have to have it to pull my camper
Anthony: 💀
Me: 😂😂😂😂😂
that was a hard call to listen too tbh!
This guy wants to blame his wife but he is deep into the whole spending thing !!! Talking about not being able to sell his truck because of a stupid camper🤷♀️ and his truck is even more expensive than his wife’s car🤣 This is a joke not even a wish… shhhh
Exactly, 🧐
I couldn't believe it when he listed the debts, the guy needs accountability.
Amen!!
What a blow heart
He's just selfish and probably a bit of a narccasist and Blames her when it's his problem
Can't figure out why his wife isn't willing to sacrifices family vacations when he isn't willing to sacrifice six figures worth things on wheels that are depreciating everyday. He wants them to live on beans and rice so he can keep cars and campers that they can't afford.
No vacations. Ever. Even if they had only two kids, $150K would only allow a modest vacation if they were covering all financial bases. If they wanted a lavish lifestyle, they shouldn’t have had kids. They chose to have a huge family. You can’t eat your cake and have it, too.
It’s like the 80s and 90s.
Wife has the new car she wants and all is well.
@@genxx2724 we have a large family. We bring in well under six figures and can still afford investments, kids college funds, a few modest vacations each year ect. Maybe those income requirements are correct in a place with a high COL or if you have out of control spending habits.
@@eccentrichomesteader That’s very good. Yes, I’m definitely in a high COL area.
@@eccentrichomesteader EXACTLY
These guys have great chemistry. Much better than some of the other new-ish hosts.
i agree.
Why did he even bother calling if he has no intention of improving the situation? Nobody *needs* a $50k truck to pull a camper. With that much debt you don't need the camper either.
The guy took the class, read the book, and still made a senseless move on two new cars.
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Bragging that he listens and took financial peace but finances $110k in vehicles.
@@choreomaniac Text me for more information on cryptocurrencies.
These are the "feel good about yourself" videos when you look at others doing 20X worst. No different from watching "Hoarders" or "my 600 lbs life".
Another problem is having six kids.they think making 100k thinks their rich.
🥴🥴🥴🥴
Depends on what state they live in. In some places 100k holds a lot of value vs Cali.
@@daveyjones3016 he's in maryland, it doesn't hold much value there either
100k with six kids is middle class. Nothing more, nothing less. Definitely not justifiable to have 100k in vehicles and take vacations every year.
They definitely think that’s a lot of money since they’re spending all and more.
I see why Anthony was confused about the car loan amounts. I also though he only owed $10k on them. That's how he made it sound lol
Does he not want to sell the camper because he plans to live in the camper when his marriage falls apart?
haha
He was explaining that at the end and they cut him off. He’s living in it for work
@@DudeMuscle thank you no one else heard it but us
@@XEGMagic yeah it’s a bit sad how they treated him. If I was him I would’ve left the call disappointed and probably a bit offended.
@@DudeMuscle ya I would have been upset it was his first time calling trying to change things and Dave completely ruined any chance he had to save him
🤣😂 Anthony's reaction cracked me up [mini Dave] 🙈 Ken is kind and trying to get to the bottom.
As soon as I heard they had TWO BRAND NEW NISSANS, I knew something was up. Like, who even buys Nissan in this day and age?
Exactly what went through my head... a nissan, really... for 60k. That was the most shocking part of this call.
My Nissan is paid off :)
I love how people think that only a $60,000+ truck can pull a trailer
Its amazing the stupidity people will rationalize.
It’s not often that AO rage-mutes. Like they’re not even trying
@@lnvsetopad6697 Go away
Yup caller today was not willing to sacrifice
@@Scarface_445 nor determined
I have the same issue, though not as severely, as this case. My husband and I have significant debt. He once told me, "I don't care if I die and it's never paid off," which I found shocking. I do care if it's paid off, and the sooner the better. We're still together, but I'm taking more action to pay things off at a faster rate. In the future, I'll also not be going into more debt on his behalf. When he said that to me, it was a very sobering moment.
Can’t get rid of the 50k truck + camper 😆 he’s the problem, not his wife
My heart really goes out to them individually and as a couple. That’s a rough one. They’re trying to buy their way into a lifestyle they can’t afford.
I think they're just being greedy; I wonder who they're showing off for...
No. They got into this mess that was completely avoidable and have nobody to blame but themselves.
@@mattytoal4088 yeah, beats me, that’s a matter of their hearts. Good counseling activity for them would be to read these comments on TH-cam. Unbiased opinions telling them they are insane
Every time I think I should be doing better with my finances, one of these videos pop up and I think, “guess you’re not doing so bad after all.” Good heavens! If I were him, I’d just fake my own death, assume a new identity, and open a fruit stand in Nicaragua. 😳
hahahahahahaahaha
🤣🤣🤣🤣🤣
This guy wants us to feel sorry for him sell everything 🤦🤦🤦🤦
He is trying to blame the wife and gets a 2021 expensive car.
It feels good to live a meager life after hearing the insanity that some people live. $150K a year and $250K in consumer debt? Livin' large, living like the neighbor across the street.
This is the first time I've seen any caller on The Ramsey Show get hung up on.
He deserved it too
A timeshare, student loans, upside down on vehicles, consumer debt, this family is a case study on what not to do. The problem is not just the wife. HE signed on the dotted line to be upside down on a new vehicle. They both have to sit down and say "Enough is enough. We're not doing this anymore." This family is in a precarious financial situation.
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I make 150K a year. I drive a 2014 Toyota Corolla. I’m a millennial. Wake up my friends
I make a 160k a year and drive a 1999 Honda civic, has 210k miles and still running
Oh yeah? Well I make 1.7 trillion a year and drive a Ford Model-T with 8.6 million miles, a few rattles here and there but runs great!
@@dustinhughes1125 🤣
I have a 2014 Forester.
are you single?
“It’s cheaper to live in the camper.”
Are you living in it?
“No!”
Lol 😂
So... they have a timeshare and a trailer for which they also need a brand spanking new truck? Oh okthen....
Some people deserve their hardship and debt. This caller was one of them.
I agree...for most I feel sympathy this guy not so much.
“Yea she’s living beyond her means” goes and buys a new 2020 truck
I shivered hearing how badly in trouble they are!!! The entitlement in his voice… I can’t even begin… praying for him and his family!!
AO was done once he heard the camper 😂😂😂😂
2:27 When you see Ben Simmons go to the free throw line.
😂😂😂😂😂😂😂😂😂😂😂😂 W
I love his reaction!! I’m starting to like AO and Ken Coleman more and more👍😆
🤣🤣🤣🤣🤣🤣🤣🤣🤣 best comment I've read so far
💀💀💀💀
Lol that family is nuts. He is in crazy land. Sell everything get out of debt and call it a day.
sell the kids
you are right
Well, it's not that simple but he needs to follow Dave's advice.
@@juditharsenault2131 it's that simple. They are living a lifestyle that is a joke. You sell all assets first. "I have a camper why I need the truck"... really not that simple lol 😆he is I'm denial just like the wife. I was simple Sgt in the army living off 45k. I seen this bs. Just survived my second divorce and still a networth of over 300k at 35 and no debt because I ran into the same issues as this couple. . This guy is clearly high up with 150k. Combine. So yeah very simple sell stuff worth of value and don't flip cars. 🙄
I wish they hadn't ended the call because I wanted to hear the breakdown on the rest of the debts.
He went through Financial Peace and still financed two new cars AND rolled over negative equity? 🤦🏾♀️ He can't blame this all on the wife. He made these decisions with her, and he also thinks they can still go on vacation. Unreal.
He only enrolled, he didn't go to class, didn't do any assignments and definitely didn't graduate.
This is one of the calls. . . Where you listen and it makes you angry when you hear more and more. . .
The way Anthony had his head in his hand. 🤣🤣🤣
Be debt free before a relationship. Only date debt free. The end.
For those who say it's unrealistic. Well you in debt dating in debt people then why is it impossible for the other side? Exactly.
@Kelly Smith yep.
What if they debt they take is loans for medical school but are on the same page of taking out a little as possible and paying it off as quickly as possible?
Facts
I agree if your dating someone middle class or below, but most wealthy people have debt.
That's like saying to be celibate. It's laughable, the chickeheads I deal with who make $14/hr and drive baby mercedes they paid 30k for that are worth 3k.
When AO says I’m not married, I’m like “you are wise beyond your years and experience, I would totally take his advice” and his future wife is one blessed lady!
Anthony's reaction was PRICELESS.
He did say “he’s living in the camper.” So the family is not. He is. I’m assuming near base.
He corrected himself and said no they're not and he isn't living in it.
@@juditharsenault2131 Is that what he said at the end? I thought I heard differently.
He did! That’s crazy. Would’ve been nice to hear their advice. His family isn’t living in it, HE IS.
@@Bigf00t100 If he's active duty, there's no military base in Maryland that you need to be living in an RV. Even if his family isn't with him, if he's a geobachelor the branch of service would provide him a place to stay.
I listened to this call on the radio when it originally aired and I started screaming at my radio when the caller mentioned he had a camper.
This family has vacation-itis and dysfunctional written all over it. Unless they cut out the vacations, and sell the camper and the expensive vehicles, no way are they going to make it. He blames his wife, I personally think its a combination of the two.
A camper, AND a time share, AND vacations ???????????
Caller: I’m really worried about my $250k debt.
Anthony: Sell the truck.
Caller: I can’t sell the truck, I need it to pull my camper.
Anthony: Sell the camper.
Caller: I need the camper to store the Jet Ski.
*Anthony hangs up.*
These are the types of people my wife looks at and says “if they can have all that why can’t we??” Then i say cause we’re not stupid we know what we can and can’t afford to do
Anthony knows and it hurts 🤣 This is straight up nuts.
I thought AO pic was click bait, but lol..... he just sat there for a good 45-60 seconds with his hand on his head....... :)
Not one word about how expensive six children are.
Well it’s not like he can sell them 😂😂
@@KrystleLaughter They can stop having them.
Is that part of the $250k? Nope, but stupid decisions are
The ending hahaha we’re going to break man” we’re done🤣🤣🤣lolll
I love the candidness... "Well you made a mistake telling us that..." I do feel like there seems to be a lack of ownership by the caller; however, he may still be telling the truth that the wife does not want to budget and cut out vacations.
Rent a camper and a truck when you actually want to use it. Buy what you need for 90% of the time. Rent for the 10% of the time.
The real issue is that both their eyes are bigger than their paychecks.
Take the class again WITH her this time.
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AO, It’s not about whether or not you’re married. It’s about people, relationships and their money behavior. I have a feeling you got some solid advice for married couples, just like you do for single people. Don’t be afraid to go there. Don’t let people push you away from giving good advice just because they think having a legal document makes their situation different.
these two are a deadly combo and it's great!
My wife is the EXACT same way about vacations. Insane.
This dude wakes up after water rises up to his eye balls. SIX freakin kids, no home, yet two brand new vehicles.
At least they got latest cars during chip shortage 🤣
yeah, they owned themselves. paid MSRP I bet LOL
Reminds me of a comment I saw: At the beginning of the pandemic, stupid people invested in toilet paper while smart people invested in stock.
😂😂
Wow, they are living a millionaire lifestyle but debts are coming out of their eyeballs! He wants to be on the road to being debt-free yet not willing to make any sacrifices. Guess what dude, you cannot have it both ways! Did somebody hold a gun on your head? blaming your wife? really? you both need to grow up, smh
They bought every possible NEW toy and call Dave's show with ridiculous amounts of debt. Loved how Anthony was like... Byyyeeee 👋💥
He could go to a local campground with the camper for a vacation!! They need to brainstorm for cheap vacations.
A better idea is work during the vacation and put the money towards finishing baby step.
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Absolutely correct! The guy is in the military so he gets four weeks of leave a year so he needs to monetize his leave time for at least two years, and his wife needs to do the same.
Look at both of them sitting there with their arms folded, this caller has really gotten under their skin 😂😂
It's very common in the military. It's very much like "keeping up with the jones" mentality. You go to work every day and you got these young soldiers that have no family, live in the barracks (no rent or mortgage), and go to the dinning hall for all their meals having these really nice cars, yes they are taking out loans for them but they have no bills whatsoever. The higher up in rank you go the more you feel like you should be living a higher lifestyle which is what I saw from the senior NCOs all the time. I'd go over their houses and they have this massive house with three newer cars, a big truck, and then a boat or RV. They think because they can make the payments they can afford it, which is a mindset we all fall into. This guy just hasn't seen the light yet.
This guy has three car payments and a trailer payment.
If he is military, he must not have a high security clearance or else he wouldn’t have it for long with that amount of debt lol shows no self control. He is no leader
Yeah, but you are just supposed to say: “Thank you for your service.”
He’s just an O-4 making E-1 decisions
@@fransvanhofwegen7414 some people actually think you’re exempt from criticism just for being in the military lol
@@fransvanhofwegen7414 Ya well when you are actually in the military, you can hold other member accountable to the standards that we are supposed to meet
Lol I remember so many people in the military being in debt because of horrible financial choices they made
Whenever AO is on the show is always entertaining
I have no debt besides $68k mortgage and hearing the amounts ppl take out for other things gives me anxiety and makes my stomach turn insane! No way
This isn’t a money problem. It’s a marriage problem.
I like Anthony so much! He is humble and I can see how respectful he is towards Dave.
Me and Anthony: You have a camper?!?
😳For what now?!? Sell that too !!!
I swear that was in unison lol
This call made me laugh. 😂 I need my truck to pull my camper.
What do we want, where are we going? YES - this is the most important question that couples need to ask. The best pre-marital, marital, advice succinctly and clearly put! THANK YOU, person who said that! I am a newby to this show, btw. Forgive, please, for not knowing you name.
Staycation David word of the day.
"Are you living in it" lol
Nice job calling the husband's attention to his $50K, 2021 truck and vacant camper, Ken and Anthony. It would appear that the wife is not the only one breaking the budget. I hope they can work together to get their spending habits under control.
I think they ended the call too soon.
This would have been a good teachable moment for him and all the members of the audience.
His story had more holes than Swiss cheese. AO just hung up the phone😂😂
I’m sneaking watching this before she hears me to see if I can share it with her lol no argument Sunday!!
The kind of guy that will race someone at every stop light
I bet he's like 90% of the problem and the wife is 10 lol
I use to work for a dealership and the amount of people who rollover negative equity to their new cars are unimaginable. Meanwhile I had my 98 toyota avalon for 10 years which I bought for $5000 and asold it for $2500.
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loving the energy of these two without dave :)
People used to ask the total price of the car. Nowadays it is “ what is the monthly payment?” Without any regard to what the total price is.
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😂🤣 this was hilarious!!!!
"no I NEED the truck!" oh you messed up now, boy
Nice work ✨🎇🎆