Your Husband Is Not Good At Math!
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- เผยแพร่เมื่อ 8 ก.ย. 2024
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She may sound dumb but she’s asking lots of questions and wants to learn. Good on her.
The dumb ones are the ones who don't ask the questions because they don't want to sound dumb. Smart people ask a TON of questions because they have plenty of confidence to do so.
She sounds dumb to me because she sounds like she's not actually listening to any of the answers and her questions sounds more like she thinks her husband is on to something and she wants Dave to confirm that they're correct lol.
This is Dave Ramsey show ,not accept kilmer,top grear
You know the guy still went out and leased that truck......
She went with him
🤣🤦🏻
😆😆🙄
Andrew Hofmann 🤣 you’re probably right!
Her husband is fudging numbers to best case scenario to justify the purchase but even then he's still lying to himself. Wife is not knowledgeable but she was asking the right questions to educate herself so good for her.
Once Dave realizes he can’t help you change your opinion he reaches for that “quiet” button and proceeds to RANT 😂😂😂
😂
That's what he does in his company... what else would you expect from him???? HAHA
Yeah, it’s almost like this is his show or something. 😁
The best part of the show tbh
They waste time and answer questions nobody asked. Seems like Dave makes the right choice.
The worst accidents are on the showroom floor 😂
P
That's basically like saying 'I want to pay 10 years of rent in advance' like if you're gonna do that you might aswell buy a house 😂
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Dad joke about cars: “We should all be in one accord.” 😂
Yes, I heard the one about Jesus and the apostles..all in one accord :)
Did someone say Honda
Why is it so hard to give up what you cant afford? I just cant understand....
You got to be a Republican
@@thomasthumim7630 id say im closer to the right
"You got to be a Republican"
So someone that actually understands finance.
It's because you aren't spending someone else's money.
Because people wrap their identity up with what they own (or at least seem to own)...
13k could buy you a car outright that lasts 10-20yrs lol
It could also buy you a car that lasts less than a year, happened to me. I just go with a 2k hoopty and replace it as needed lol.
@@user-jy7yw5kw3w you spent around 13k on a car and it broke down on your after a year? How much were you driving? Did you keep up with maintenance?
13k gets you a good used Toyota!
What car made td is lasting more than 10
@@LukasP143 idk about new models but my 04’ mustang lasted me 10 years now. 250k miles. still runs great
i have two friends in their mid 50's who never learned to drive. they are really onto something
I never learned to drive too. Granted I'm only in my thirties, but whenever I move, I move to places with very good and sometimes free bus services. Or at least commuter friendly with bike lanes. 😂My friends pester me to buy a car all the time and say, 'you are just afraid of commitment', and I say 'what's not to fear?'
@@frumpusnumpus good for you, that's me too until next year 😅
Lol as soon as she said lease a car his smile dropped
deciding whether to buy or lease an FCA vehicle is like deciding which arm to put in a wood chipper
Dave is just different. He sticks to the facts. There is no grey area 😂. Love it.
I just bought a 2003 Dodge Dakota from a single owner (grandpa of a student). 200K miles, $3500. I love that old truck!
As a car enthusiast, I loved when Dave said none of my cars have less than 400hp.
He's pretty spot on for the most part but trucks definitely don't depreciate as much as some other vehicles out there. So the term "hold their value" is the wrong way of saying it, many vehicles just don't depreciate as much or as fast as others. There's a channel "Four Wheel Finance" that goes over stuff like this
They do tho
They cost significantly more to drive around and buy gas for.
If you pay Lease payments upfront and that car gets totaled in a couple months, you do not get a refund for any of those payments, you lose the entire down payment (up-front lease payments).
Leases usually require you to carry a certain level insurance policy as well which is costly ...
Good point
Hilarious 😂 some people wants to have buy nice cars but they have houses that are falling apart
"Christians ought to be able to do math, bubba." 🤣
I thought the bible was also against borrowing money at interest...
🤣🤣🤣🤣🤣
😂😂😂💀
Callers husband believes he is smarter than multi billion dollar corporation
Worse. He thinks he’s smarter than the whole auto industry!
@@wordsrwind22 Worse, he thinks he's smarter than the entire worlds banking system. Do you really think car dealers carry their own debt? Na, they get paid either way lol.
Just buy something cheap until you’re wealthy.
SPAMMER
Sadly, most people disagrees lol
LOL "Trucks hold their value." "RVs hold their value." I've heard these in real life SO MANY times.
Trucks hold value better than an RV lol wow they sink fast
Make sure you want the vehicle and keep it 10 years.
I mean....my husband's 25 year old truck is still worth 10k on KBB
@@DK-mc7mp kindda like buying the cheapest house in the best area. A base model xlt f150 or an sr5 tundra.. Chev custom or trail boss will hold best resale compared to lariet 1794 etc...
I haven't looked at new cars in decades but what the H happened with trucks? They used to be cheaper than cars and it was uncool to drive them. Now everybody wants one, nobody needs one, and they all cost $40K. $40K FOR FREAKIN PICKUP TRUCK.
Everyone wants one now ! It’s the good old demand !
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40k is kinda on the low side really. A nicely trimmed out one can push 80k msrp and even 90-100k in some specific cases.
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The real trick to buying cars is looking at depreciation charts - some hold value well and make sense new (Tacomas and Wranglers) others drop like a rock and should always be bought used (German luxury cars).
Would you please do this same question with cell phones? Cell phone companies have gone to no contracts and leasing the phone. But they don’t say it’s a lease. But that is what it is.
Trying to do an end run around getting debt free is total sabotage. It's about sacrificing things, not buying more things. Serious people can say, "Boy, I would just love to have a brand new Ram truck, but I can't do that and get out of debt. So I will buy something used for a few thousand, and wait until I can really afford it." There is nothing worse than buyer's regret.
Exactly
Her: “When buying a new car, I know it shouldn’t be more than 50% of you income”
Dave: “that’s all your cars”
Her: “that’s good to know. I didn’t know that.”
If she thought about if for two seconds she’d realize what a failure buying two cars using that principle would be.
The 50% rule works perfectly even in a multi-car household - you just can't buy "too much car" in too short a time
It's the total value of your vehicles you should try to keep under 50%, not the purchase prices.
So for instance, with a household income of 30k, you could buy one 15k car, wait until its value has dropped to 7k, then safely afford an 8k car by that point (assuming no change in income)
@Jaime Blanco: Exactly what I was thinking!!! How is that better??? That means she can't buy as expensive of a car as she thought she could! Dave's rule is meant to be MORE restrictive on families to keep them from getting into trouble!
Husband sounds like the "extended warranty" type of guy. Great idea! How can I lose??
The all in one accord joke went right over a lot of people's heads
He’s been getting really good with the dad jokes lol
Didn’t get it. Can you explain?
@@AC-qo8oq What car would Jesus and the apostles have driven if they lived in modern times....All in one Accord :)
One other way I quick figure out whether something is worth the price charged (ALL the price) is how much advertising/marketing the selling company is pouring into the product. That money is being inflated into the price.
Sell the husband.
🤣
You joke but it's pretty clear the financial problem in that family is the husband.
@@cisium1184 She’s in school and he’s making $76,7676.76 a year and he’s the problem? What tradition is that?
Trucks do hold their value... for the second owner... but only slightly better than a car.
He’s getting a pay raise but only $500 a month, again only $500 a month. 🤑🤑🤑🤑
Worst car accidents' happen on the showroom floor lol 🤣
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Dave Ramsey: Your husband's got truck fever!
.
.
Christopher Walken: It needs more cowbell!
Pretty good example of the Dunning-Kruger effect.
Now imagine if the title said: “Your wife can’t do math”
Dave: do you think Crysler is stupid ?
Skotty Kilmer : YESSSSSSS!!!! 😂 😂
The only truck that holds its value is a Toyota Tundra platinum. My Sierra Denali, and every other truck loses value
Don't lease. Go buy a used ex-lease vehicle off the lot. Got mine for under KBB price and plan to drive it until the wheels fall off.
Paying $36K for a car with a $70K income? This is what is wrong with America.
Here in Canada too. People with $50000 income buying $60000 suvs.terrible
@The Graham Stephan Show 😂
You are spamming dave?
I bought a 40k dollar truck and I made like 28k on my taxes for 2020. Learn to handle your money better?
When Dave went from great to good in few seconds. You know it could only go down from there.
Hubby wants to impress his male friends. Which is kind of weird when you think about it…
Even worse - If you prepay a lease and wreak it on day one they don't refund all the money you prepaid. You would only get any money you pay that is in excess of what your insurance company reimbursed the leaseholder.
I have a feeling the wife wants the truck. Throwing the man under the bus.
Yeah, she's campaigning a bit too hard for this ridiculousness.
@@matthewgardner2144 that's really it. If it's not her idea, she would've been more like....I can't wait to tell my husband what you said. When has a woman ever not wanted to throw "you're wrong honey" in a man's face.
@@TILLEYJS Maybe he's listening to the conversation?
Proverbs 28:8 He who increases his wealth by interest and usury lays it up for one who is kind to the poor.
He'd pay $52,680
As soon as I got rid of my car payment and all the dumb overhead that keeps you broke and put that money towards money making I started getting ahead. Soon I'll be able to pay down my debts!
Wheb people make up their minds there's no help. I knew a guy that was 4 months away from being vested at his job. He would have gotten a pension for life had he stayed 4 more months. He was dead set on quitting and he did. Sad
i mean I'm looking at a Toyota tacoma and used are not far off from new so I mean I'm not a millionaire yet but i think it varies by manufacturers right?
How come everyone calling always wants to spend a ton of money on a truck? I've never heard someone saying they want to spend a ton on a Lexus or a Porsche. IS the stereotype that big?
Trucks are actually useful, a Lexus or a Porsche is just a luxury expense.
Buy the best 2nd hand Toyota Tacoma or Tundra for 13k you can find.
The best 2nd hand 13 K Toyota Tacoma or Tundra are HARD to get. That is the sweet point.
@@bindingcurve Exactly! I bet there are only a few dozen for sale at that price point with under 100k miles in the entire country at any given time. Good luck finding one geographically close.
The 29 people who disliked own a leased car lol
Anyone who says any vehicle holds value, does not know accounting & math.
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So he would overpay for the truck... twice.
There are some super good used 13k trucks out there.
I think he’s just adding up the 13k plus the 23k and NOT all the payments they’ll be making on the lease for the 3 yrs in between!
Dave: You aren't stupid. People do stupid things.
Caller: I know.
😆 🤣 😂
Depend on the trim of the pickup. 13k+23k is not bad for a brand new pickup. Any nice brand new full size pickup is 40k plus.
I have a coworker that just financed a 2013 ford 250 with 100k miles on it for $25k!!!!!!
I told him dude isnt it way too expensive for the mileage it has?
And he looked at me like I was stupid and said it's cause it's a diesel 100k miles is like 20k miles on a regular gas engine......umm ok
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Yeah, prices for used 2500 series 4x4 diesel trucks are insane right now. I've been looking to replace the old "farm" truck, but not at these prices.
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He might have been right if it didn't have emissions garbage on it. Modern day diesels are less reliable than a quality gas truck unless you have a lot of money to constantly fix the emissions system(s) when they break lol.
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They also live where? Augusta, ME? One word: Snow. In three years an accident is a very possible thing. Not necessarily his fault. Plenty of idiots on the road to help you there.
“Visit one that’s 4 years old and let’s see how well it held it’s value”. Don’t u ever personally attack me on ur show again Dave hahahahah
Then BUY it, The are almost always going to hurt you on the LEASE
Dave’s face when she says they will save up to lease a car.
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And he wants a Dodge?
Nope, he wants a RAM
That’s not even a dodge anymore it’s a FiatChrystler love child pos
@@T25de It's all the same thing lol.
If we're going to talk about math, why aren't we doing the real equation? What does the truck cost brand new, and how does that compare with $13k + 24k = $37k?
First off. Ram / Chevy = poo
Second off. Pay cash
The million miles of chevy's in the driveway would like to disagree.
Just the title got me watching. I didn't watch yet but I know Dave is gonna lose it.😂
Hope this guy enjoys his truck!
While his wife smolders for years
Trucks do hold their value pretty well but not brand new. If you buy a 5k truck you can drive it for a year and sell it for 5k. New pickups you buy for 60k you can sell for 45k the next day
That's not really true but okay.
Get a '95 Corolla.
Never lease a vehicle... Ever.
The only cars that don't necessarily lose value are collector cars. Everything else devalues like a rock.
Tax, Title, and Licence/Registration are the only honest fees. Check out "The Homework Guy" on TH-cam to save time and money at a dealership. He's ok with car loans, but he gives great advice on buying with cash too. Don't tell them you're paying cash until the end of all discussions!
You can not rent a vehicle today for cheap. Costs for rental vehicles is through the roof.
We love the new car buyer..as long as its a Ford..;). Dave is correct buy what you can afford. There is a formula.
I am weird I've never spent more then 5k for a used 🚗
All your cars are over 400hp?! niiiiiiiice
We can all rationalize expensive purchases if we work hard enough. Rationalize being wealthy
Cohost is a stooge - get someone better
What’s weird I just sold my truck to carmax for 200$ more than I paid in 2018 it’s crazy thank you chip shortage
Leasing vehicles is for broke people. You will be hared pressed to find a person with a respectable net worth leasing a vehicle.
Leasing makes sense for businesses that can deduct the lease as a business expense. Individuals - generally not so much.
@@stevenporter863 ALL businesses are different and you really need to talk to a tax accountant BEFORE going into the showroom. I see a lot individual businesses using it as an excurse to buy way more car.
I sort of disagree with you. Buying a 3-5 year old truck was AS EXPENSIVE at a dealer as a new truck. If you suppose 3-5K for repairs, and real depreciation that used truck is way more expensive than a new truck. Might be able to find something used from an owner for less but the selection is much lower and the time required is much higher skewing the numbers for truck and it has been this way for years. Trucks are insane.
Dave is off a little on the lease costing more. It's not much and it saves you money I nthr short term for like products. Lease payments are less for a fully loaded than a 6 year finance for a base model. All things equal
" I like big Trucks, and I cannot lie..."
Why not finance it to begin with if hes buying it out
Its 0.9% everywhere
Exactly. These interest rates are so low you might as well finance it. Leasing doesn't really do anything for you.
@@dedalliance1 leasing imo is for people who has some money, wanna enjoy an expensive car short term, not want to keep it because of maintainence, wear and tear amd break downs
Its the best option for a second car for fun like c63, hellcat, m3 etc etc
There are rare cases where new cars hold or even increase in value. You have to be super nerdy into cars to know tho. Average people are getting ripped off big time on most new cars!
Chrysler IS a mistake
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People call in, but don’t shut up enough to listen. The wife will allow the husband to buy the truck. $76k income while she’s most likely taken out student loans. You can afford a $10k truck.
They know Dave's "rules" but are looking for ways around them.
Hits the mute button and rant begins 😂
Dave obviously hasn’t heard of a Supra.. 😒
He loves cars, he knows there are collector cars and potentially future collector cars, but as a generalization his listeners aren’t going to be buying anything like that, and even if they did they would crush the value by daily driving the heck out of the vehicle for 10+ years
Exactly you can buy a car permanently for half of that and then sell it on after 😂
Husband's nickname should be Tootsie Pop, he's such a sucker.
I think that’s why dodge and Chrysler are separate because they messed up their lease
where are they getting the 76K a year thing, especially in a pandemic
She is going to lose this battle against her husband and be right back into debt.
Seriously. That’s one thing that we don’t see from these calls. The decision has to be agreed on by BOTH people in the marriage for it to work. He won’t listen, and that means they are going to do the lease. 🤦
Something tells me she's going to let her spoiled little baby husband get his truck. I wanted a Can-Am Spyder. I bought a used 2012 Spyder with cash when we could afford it.
Christian should be able to agree. Didn't settle well for Paul, Peter, and the guy who taught Little John (not the baptist) in the New Testament.
You want a truck? Buy a toyota tacoma... Do some research and thank me later. You wont find another vehicle that will depreciate slower..
15k gets a pretty nice truck.