At 4:54- Dave hits his "call disconnect" button out of frustration with a male caller he has called "hon" multiple times. Usually a SINGLE "hon" is a precursor to an epic rant! !!!
Dave is done with us stupid people 😂 but lets be real we are stupid with our money and he's been doing this sooooo long i don't blame him for being frustrated with us. We say Lord Help Me...and He gives us Dave 😅
"Mathematically it's tiny, emotionally it's huge" and THAT is a huge stressor with debt, it isn't realistically much if you approach it logically, but the stab it takes ooh boy
I don't blame Dave for being short with this guy. You call a national radio show for help, lay out your problem and stop making excuses. If this guy started the call " My ex ran up my credit cards, what can I do about it" the call would have gone in a different direction. Instead he starts the call "I'm in debt but its someone else's fault". And the excuses come pouring out. Also how can you be a healthy single adult in America and make only 45 grand ? Dave was absolutely right. Tell this guy to get off is behind, start making some coin and pay his debt.
I don't blame Dave one bit. This "guy" sounds a little too soft not to have his problems. He's making excuses by the truck load and has no intention of honestly solving the money problems HE caused with all the spineless screwups he made. And we're talking only $17,000 of debt. Dave is right, this fool needs to work like a maniac,lose the scumbag fiancee,no social life and watch his back like a man.
Happy boxing day. I'm glad you made this video it reminds me of my transformation from a nobody to good home, $34k monthly and a good daughter full of love
Making touch with financial advisors like Elizabeth Regina Nelson who can assist you restructure your portfolio, would be a very creative option. Personal financial management will be crucial to navigating the next difficult times
Elizabeth Regina Nelson has really set the standard for others to follow, we love her here in the Uk 🇬🇧 as she has been really helpful and changed lots of life's.
- Hands credit card to a woman - Surprised when she spends a bunch of money on it - Acts like the victim Moral of the story, don't give women your credit card
Someone wanting to file bankruptcy is in my opinion no different than being on welfare. Both situations are like saying I don’t want to be responsible for my actions, let everyone else carry my load. I wished bankruptcies didn’t exist. You took out loan, you pay it off
First of all, many people who are on welfare, need to be on it. There are sick and disabled people who need the welfare. Also those temporary unemployed. Let’s stop shaming people when we don’t know their circumstances. Crazy how you compare bankruptcy to this. Meanwhile not even mentioning fraudsters or other people who are worst off in society…
@@thomasadams9395 hard to take advice from someone who bulldozes over everything you try to say. Dave spent half this call assuming it was identity theft because he wouldn't let the caller explain anything before interrupting him with angry presumptions.
If I heard correctly, he had the card, but they used it without his permission (or so he says). That is what he said, but Dave might have misunderstood (just as he might have misunderstood the caller's gender) 😅
17k is a hell of lot if you are poor Dave. Just spent 2k on my car and 700 on my teeth this month both unavoidable. My car has cost me 5k and my teeth 3 k sind September and folks just don't always have stuff they can sell.
My humble opinion is that the primary issue is that these victims don’t have a clear sense of reality and they therefore argue with those point it to them, unknowingly. This is by no means arrogance or ill intentions they just can’t see it
From the credit cards I see people use, they always send you a monthly statement. You can even have an App on your phone to keep track. How did he miss this and wasn’t aware of $7,000 being taken/stolen from his credit cards? Something is not adding up. Perhaps if Dave did not disrupt him and go with his own identity theft narrative, maybe he would gave the full story.
I think it’s pretty clear that Mr. Dave loathes most of his callers at this point. He seems to have lost his patience. And calling another man hun is just disrespectful.
@alinatamashevich3354 yeah that's a very bad deal. A salaried job is only a good idea if you can make up those times when you have to work extra by being able to leave early other days. If you can't do that, you are working extra for free. Terrible deal.
I have been investing for a few years. I have reached a point where I could benefit from financial advice to improve my $200,000 portfolio for retirement, how do I maximize my ROI?
You didn't provide detailed information about your portfolio makeup. However, I recommend seeking guidance from a financial advisor for a well-informed portfolio restructuring.
Opting for an inves-tment advisr is currently the optimal approach for navigating the stock market, particularly for those nearing retirement. I've been consulting with a coach for a while, and my portfolio has surged by 85% since 2023
I've experimented with a few over the past years, but I've stuck with the popularly ‘’Zareen Grace Church” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.
Thank you for putting this out, it has rekindled the fire to my goal... was able to spot Zareen after inputting her full name on the web, she seems highly professional with over a decades of experience.
DAVID RAMSEY. Become trauma informed please. Someone who has been in an abusive relationship is going to be so overstimulated that things that feel simple to a healed person would feel impossible for someone like them. They are a victim. They need help to get out of that role and you need to be KIND
With Donald Trump moving back in the White House and with both sides of Congress leaning red, it's expected that the rules will change with the PSLF to grant a larger benefit to the taxpayer, not the borrower.
Why was the credit card accessible to her? I would have kept my checkbook, credit card(s), Social Security card, etc., under lock and key from a fiancée, and even from the wife, and the wife should keep her stuff from me.
People in the business of giving financial advice often admonish little folks who say they don't have extra money to invest into a mutual fund after expenses. Why not, they say, take all of your pocket change at the end of each day and use that to invest. Please oh knowledgeable one, explain to us the "mechanics" of how that would work.....and do it in "baby step" fashion. Thank you.
Wait, so if I ever say that a person can use my card, it’s expected that they will take the card and rack up thousands of charges? And that’s my fault? The dude is the victim of theft, I don’t think that makes him a sucker, unless his ex was obviously deranged.
Merry Christmas 🎄🎁 to you allI'm 51yrs old. $40,000 weekly and *I'm retired, this video have inspired me greatly in many ways that I remember my past of how I struggled with many things in life to be where I am today!!!!* ❤️
After I raised up to 325k trading with her I bought a new House and a car here in the states 🇺🇸🇺🇸 also paid for my son's surgery (Oscar). Glory to God.shalom.
@@mr.constitution Dave wasted the first three minutes of the call ranting about identity theft because he jumped to an incorrect conclusion about what the caller was describing.
At 4:54- Dave hits his "call disconnect" button out of frustration with a male caller he has called "hon" multiple times. Usually a SINGLE "hon" is a precursor to an epic rant! !!!
lol I know they cant talk forever but I do love when Dave wants to say something without a rebuttal he shuts them down to respond lol
This caller broke the “honey” record
That’s how you know it’s bad. When Dave calls a male caller honey.
Torched the record. 🤣🤣
@@Joshmarmolejo_ Calling another male "hon" is beyond gay.
😂
@mplslawnguy3389 haha it is soooo patronizing....lol
Correction... he got SCREWED THREE TIMES... he was called "Hon" throughout the call
😂
😂😂😂
🤣😂🤦♂️🤦
No, I think Dave called it correctly.
Dave woke up on the wrong side of his mansion today lol 😅
😂
@@mr.constitution 😅😅😅😅
There are people who have an excuse for every solution. Can't help those people.
It’s funny how Dave tells the caller “Hun”😂
It's a Texas thing
Is Derek a Woman???? (The caller).??? Why does Ramsey call the caller "hun"?????
He is cleverly using "they" and "them". Dave can read the room.
Banks are friendly, but they are not your friends!
yup, also...
Dave is your friend, but he's not always friendly
I like how Dave yelled at this guy. This guy should be dashing!
Dave is done with us stupid people 😂 but lets be real we are stupid with our money and he's been doing this sooooo long i don't blame him for being frustrated with us. We say Lord Help Me...and He gives us Dave 😅
Caller's negative energy completely drained mine. And it's only 7:03AM.
Rolling my eyes every time the caller answered a yes or no question with "So I blah blah blah"
Jeezus within one minute Dave called him honey 😂 he's the sucker of the year by FAR 😅
I thought only guys who drive on the other side of the street call each other hun
Dave is a beast. What a way to assert your dominance 💪🏻
"Mathematically it's tiny, emotionally it's huge" and THAT is a huge stressor with debt, it isn't realistically much if you approach it logically, but the stab it takes ooh boy
Derek sounds exhausting. Everything is an excuse and “basically” this and “basically” that.
This.
Because “basically” he didn’t want to come clean on exactly what happened.
If they used his card without his permission, that's a criminal act. At 0:38 Derek says "without me knowing about it". It's a crime.
Ken looks a little guilty being the hypothetical bad guy! 😂
😂😂😂
I don't blame Dave for being short with this guy. You call a national radio show for help, lay out your problem and stop making excuses. If this guy started the call " My ex ran up my credit cards, what can I do about it" the call would have gone in a different direction. Instead he starts the call "I'm in debt but its someone else's fault". And the excuses come pouring out. Also how can you be a healthy single adult in America and make only 45 grand ? Dave was absolutely right. Tell this guy to get off is behind, start making some coin and pay his debt.
I don't blame Dave one bit. This "guy" sounds a little too soft not to have his problems. He's making excuses by the truck load and has no intention of honestly solving the money problems HE caused with all the spineless screwups he made. And we're talking only $17,000 of debt. Dave is right, this fool needs to work like a maniac,lose the scumbag fiancee,no social life and watch his back like a man.
Why did Dave keep interrupting?! I wanted to basically hear what happned
🤣🤣🤣🤣🤣
Because the guy was waffling. Dave needed to cut through
Look for the case on Judge Judy, then you can hear the deets! ID theft is all I need.
Before you watch.. Hope you don't have blood pressure issues.. Good luck
Dave calling dudes "Hun" or "Honey" 👍
Best piece of advice; "Hon, please get a vasectomy. I'm payin'!"
Happy boxing day. I'm glad you made this video it reminds me of my transformation from a nobody to good home, $34k monthly and a good daughter full of love
My advice to everyone is that saving is great but investment is the key to be successful imagine investing $15,000 and received $472,700.
wow this awesome I'm 47 and have been looking for ways to be successful, please how??
Making touch with financial advisors like Elizabeth Regina Nelson who can assist you restructure your portfolio, would be a very creative option. Personal financial management will be crucial to navigating the next difficult times
Elizabeth Regina Nelson has really set the standard for others to follow, we love her here in the Uk 🇬🇧 as she has been really helpful and changed lots of life's.
Life is easier when the cash keeps popping in, thanks to Elizabeth Regina Nelsen's services. Glad she's getting the recognition she deserves
Ken needs to bring the 70’s corn mustache back
- Hands credit card to a woman
- Surprised when she spends a bunch of money on it
- Acts like the victim
Moral of the story, don't give women your credit card
TRUE!
Im not sure it was a woman.....
Hell, don’t give ANYONE! your credit card.
what does being a woman have to do with anything
He never said he gave his gf his CC. She took it and he was unaware.
0:45 Dave is telling the guy to put his foot down on the bank but the guy didn’t listen.
Sometimes Dave should let the person explain without jumping to conclusions.
Guy was a drama queen, cut that off quick.
@@alinatamashevich3354 stop trolling
He probably jumped the gun because he thought he had an opportunity to peddle Zander Insurance
@@alinatamashevich3354 Yep, as soon as he mentioned the social worker, Dave hit the nuke button.
@@Thurgor_Supreme Does your boss allow you not to sell the products or services your company has to offer?
Someone wanting to file bankruptcy is in my opinion no different than being on welfare. Both situations are like saying I don’t want to be responsible for my actions, let everyone else carry my load. I wished bankruptcies didn’t exist. You took out loan, you pay it off
First of all, many people who are on welfare, need to be on it. There are sick and disabled people who need the welfare. Also those temporary unemployed. Let’s stop shaming people when we don’t know their circumstances.
Crazy how you compare bankruptcy to this. Meanwhile not even mentioning fraudsters or other people who are worst off in society…
Some people are just dumb! 🤦🏻♂️
Dave broke out the "honey" and "hun", Derek made excuses, and Dave hung up on him. I was waiting for Dave to say, "Sorry, I can't help you."
Dave and caller were both annoying in this call
The caller was the one unbearable
@topsykretts2264 Dave was bulldozing him with angry presumptions that weren't even reality. He was unbearably annoying this time.
@@topsykretts2264 "Basically..."
Hard one to prove though. Soon as you pay…. Debt is yours.
Dave is getting angrier and angrier with each new video..lol
This guy dated a dude who was abusive & a crook? So sad.
This dude didn’t listen to any advice.He just kept rambling.
They always do.
@@thomasadams9395 hard to take advice from someone who bulldozes over everything you try to say. Dave spent half this call assuming it was identity theft because he wouldn't let the caller explain anything before interrupting him with angry presumptions.
Basically what happened, basically...
He was overwhelmed
“Honey” must be a southern thang!
I think it's just a gay thing.
And it’s a huge insult as well 😂😂
Calling a dude "hun" is actually a major power play.
Yep, verrrry boyish. I grew up in the south, around here, that's how you get popped in the nose. We treat each other with more respect than that.
@@JW-vl5or No...Dave means nothing but all well. Don't try to make it some other nonsense.
No its not. Let it go
@@JustinCase780you’re denying reality. Would Dave call this man “hun” in real life? Likely not, because it is a disrespectful power play.
@@rr-ti2xp That's exactly why he WOULD, hun.
The bank didnt use the card, he handed the card to her and she used it. You owe it.
I’ve had an identity theft incident once and my bank was on my side from the jump. Guess I found a good one
If I heard correctly, he had the card, but they used it without his permission (or so he says). That is what he said, but Dave might have misunderstood (just as he might have misunderstood the caller's gender) 😅
Its still a crime to take a card and use it from a person who did not give it to you.
He gave her the card to use. He could tell what she charged daily just by looking at his statement online.
17k is a hell of lot if you are poor Dave. Just spent 2k on my car and 700 on my teeth this month both unavoidable. My car has cost me 5k and my teeth 3 k sind September and folks just don't always have stuff they can sell.
He would tell you to get 20 jobs
get a better job n stop spending
Well don't be poor sucker
The number of jobs Dave tells people to get jumped from 3 jobs to 6 jobs 😂
I make 55k & have 40k saved but mostly through crypto. He can do 48 months at 350 or try to squeeze 1k a month with proper budgeting
Also the banking and car industries are so predatory in America. And the population is so happy to accept whatever crap they dish out.
Am I the only one who couldn’t tell if the caller was a man or woman because of the voice despite seeing the name at the bottom?😭😭
Dave is sick of the BS lol
The podcast never fails to entertain me. Some people are remarkably stupid.
My humble opinion is that the primary issue is that these victims don’t have a clear sense of reality and they therefore argue with those point it to them, unknowingly. This is by no means arrogance or ill intentions they just can’t see it
From the credit cards I see people use, they always send you a monthly statement. You can even have an App on your phone to keep track. How did he miss this and wasn’t aware of $7,000 being taken/stolen from his credit cards? Something is not adding up.
Perhaps if Dave did not disrupt him and go with his own identity theft narrative, maybe he would gave the full story.
He’s making us North Carolinians look crazy lol
I think it’s pretty clear that Mr. Dave loathes most of his callers at this point. He seems to have lost his patience. And calling another man hun is just disrespectful.
He's getting a very bad deal if he's working all that extra time without getting on call pay or overtime.
State job with salary
@alinatamashevich3354 yeah that's a very bad deal. A salaried job is only a good idea if you can make up those times when you have to work extra by being able to leave early other days. If you can't do that, you are working extra for free. Terrible deal.
When you think about the fact that cps is the reason for 84% of child trafficking I have no sympathy for him
@@benhollingsworth4378 Yet millions do it everyday! Don't forget he will retire at near full salary!
Don't call a male "Hun", unless you mean to disrespect him..
Dave, please quite calling dudes honey! Love your show.
Sheesh. “$17 grand is not a lot of money. No big deal” says the multimillionaire to the guy who makes only $45k a year. 🤣
$17 grand,It is not a lot of money. If you don’t agree with this, you are destined to be poor in your whole life
@ Well I’m not poor at all and it’s partly because I’m frugal. $17k is a hefty chunk of change. Should be to anyone.
Tbh it’s not in terms of other callers, he can be out within two years with hard work
Dude calls and every single solution Dave offers he has an excuse why he can't do it. WHY did he call?
I'm betting he took out a credit card and gave the ex one in her name....which isn't fraud. Dave ran with something that wasn't the case.
"Basically"
I have been investing for a few years. I have reached a point where I could benefit from financial advice to improve my $200,000 portfolio for retirement, how do I maximize my ROI?
You didn't provide detailed information about your portfolio makeup. However, I recommend seeking guidance from a financial advisor for a well-informed portfolio restructuring.
Opting for an inves-tment advisr is currently the optimal approach for navigating the stock market, particularly for those nearing retirement. I've been consulting with a coach for a while, and my portfolio has surged by 85% since 2023
I've been considering getting one, but haven't been proactive about it. Can you recommend your advisor? I could really use some assistance.
I've experimented with a few over the past years, but I've stuck with the popularly ‘’Zareen Grace Church” for about five years now, and her performance has been consistently impressive. She’s quite known in her field, look her up.
Thank you for putting this out, it has rekindled the fire to my goal... was able to spot Zareen after inputting her full name on the web, she seems highly professional with over a decades of experience.
That was Ken when he was younger
Was this an authorized user on the card, or was the card stolen out of his wallet and used without his knowledge?
No she opened it up using his information
DAVID RAMSEY.
Become trauma informed please. Someone who has been in an abusive relationship is going to be so overstimulated that things that feel simple to a healed person would feel impossible for someone like them. They are a victim. They need help to get out of that role and you need to be KIND
With Donald Trump moving back in the White House and with both sides of Congress leaning red, it's expected that the rules will change with the PSLF to grant a larger benefit to the taxpayer, not the borrower.
if you hear the word hunny, that means youre in trouble
Why was the credit card accessible to her? I would have kept my checkbook, credit card(s), Social Security card, etc., under lock and key from a fiancée, and even from the wife, and the wife should keep her stuff from me.
I agree about that she must had access to it never do thag if your not married
When Dave calls the person calling in "hun" that is code means they're about ready to get chewed out for being stupid.
@1:25 Ken is like sorry pal but let me revisit the lunch specials available today.
😂
Some callers are ridiculous stupid! I’m embarrassed for then being stupid !
Basically, this call makes no sense.
$17 ,000 is "nothing" ( if you're worth $200 million.) How much are his books?
He can get on a budget and pay $800 or so per month for 2yrs and be done with ease and without changing anything in his life.
Dave calls everybody Honey, Male or Female 😄
Teach him do not give out your social and personal info to people your NOT married too.Banks know when you play house 🏠.
People in the business of giving financial advice often admonish little folks who say they don't have extra money to invest into a mutual fund after expenses. Why not, they say, take all of your pocket change at the end of each day and use that to invest. Please oh knowledgeable one, explain to us the "mechanics" of how that would work.....and do it in "baby step" fashion. Thank you.
Caller should get a better phone geez
Its a stupid tax for him
He calls him hun to display emotional support. Learn stuff people ! 😑💀
why does a child abuse investigator only make 50k ?
What did this guy do, get together one of the ladies he was investigating?
Was he underwater
Here after Destinys stream
yeahhh thats just you
Why is Dave keep calling him “ hon” what are we missing😮
Pretty sure his fiance was a dude not a chick lol
Why is he calling this guy "hon"?
Wait, so if I ever say that a person can use my card, it’s expected that they will take the card and rack up thousands of charges? And that’s my fault?
The dude is the victim of theft, I don’t think that makes him a sucker, unless his ex was obviously deranged.
That's my question! like ...what da heck.
The irony lol
What a dork - easy to take advantage of by bad people
Why does Dave keep calling this guy “hun”? 🤔
How can you be so naive and have that job
This is a hard watch. Its frustrating listening to that guy talks.
Keeps calling Dude, hun...
Merry Christmas 🎄🎁 to you allI'm 51yrs old. $40,000 weekly and *I'm retired, this video have inspired me greatly in many ways that I remember my past of how I struggled with many things in life to be where I am today!!!!* ❤️
Have you heard about Maria Frances Hanlon doing, she's changed my life.
After I raised up to 325k trading with her I bought a new House and a car here in the states 🇺🇸🇺🇸 also paid for my son's surgery (Oscar). Glory to God.shalom.
Absolutely! I've heard stories of people who started with little to no knowledge but made it out victoriously thanks to Ms. Maria Frances Hanlon.
Good day all👍🏻 from Australia 🇦🇺 How do I contact her
please
my portfolio needs growth?? 🙏
I will leave her information below this comment.
17k is not that much money.. yes is it
For broke people unwilling to work it is.
Deloney wouldve been nicer to this guy
Calling another man "hon" is next-level gay
Let him speak!!! Stop interrupting!!!
I don't like Dave calling these dudes hun!
First time I’ve watched this site. He doesn’t listen to the caller, calls him hon and is generally impatient. Won’t watch him again.
I have very high respect for what this person does for their job but related to this call just too much victim mentality. And excuse making
If you hand Ken Coleman your card...you buying him lunch!
Please let the man talk.
No. He's talking in circles. Radio moves fast. You need to get to the point.
@@mr.constitution Dave wasted the first three minutes of the call ranting about identity theft because he jumped to an incorrect conclusion about what the caller was describing.
This dudes full of excuses