Dave has rants that are inspirational for me. I start thinking about spending money for some frivolous bullsh$t and I watch a rant or two and that takes care of it!!
This is why I watch every day. My car is 20 years old. It works fine but I’m ready to replace it. I’m going to wait until I get my bonus in February rather than taking a loan out. Just paid off all my debt I don’t need to get into more. Dave reminds me!
Annie, watch the one titled “Change your life” my absolute favorite rant and it truly makes me get on fire about keeping to the plan! Best of luck out there
When are people going to realize, private schools/universities aren’t any better than community college or online degrees… it’s the same piece of paper + LESS money spent.
My sister put my niece in a private school.....cost them an arm and a leg. What she does now? Works odd jobs with no gumption to find a career, or at least a stable job, because she alas, she can't handle people. Goes from job to job and quits because she thinks it's beneath her. All that school gave her was a snobby attitude and a degree that she will never use.
School quality does matter... but unless you're getting into the top 2% of universities with direct pipelines and strong financial support it isn't worth it.
I tell my wife all the time: "If you keep doing what you're doing, you're going to keep getting what you're getting." We are working on breaking both of our family trees. Generational irresponsibility. My dad figured it out late, but he still changed his life. Millionaire with no debt. You can too
Why don’t these callers prepare with their numbers ready to go? I mean come on, they’ve watched at least one of Dave’s videos they should know how this works.
Absolutely spot on about the cost of the wedding my husband and I have been married for 46 years this month had a wedding inside his home. His family brought a dish each we picked flowers from the yard. We spent $55 at the time on wedding rings which we still wear today and work just as well. I bought a dress for $50 he wore a suit he already had total including the marriage license and everything we spent on the wedding was less than $200 and we’ve been married happily for 46 years.
@@traceejohnson290 but there’s way’s around it, my dress was not an official wedding dress it was a markdown formal dress , our rings were plain, family bringing food no cost fresh picked flowers 🌸 no cost , I guess the only fixed cost is wedding license.
@@traceejohnson290 so true cause even what she described would probably cost $2k today . But I see the point as people don't have to spend $100k either .
Did the same a few years ago. Bought a pretty dress (not an official wedding dress) for €50, my husband wore a suit he already had, we got some pretty silver rings (total of €125), the getting married part was free at city hall. As a gift from our parents we got a beautiful diner at a great local restaurant with both of our families. It was a great wedding day and a great start of our marriage🥰
My car has every light on currently on the dash and I’m going to continue driving it until it finally catches on fire because the prices of the newer ones are just ridiculous.
Went to a "private" school to get a business degree. Wow, just wow!!!! Tution in private schools is beyond reasonable. I know alot of folks from state colleges that are making six figures.
@@buddykerr1 I recently came onto him and I like him a lot. He doesn't have an exact set cookie cutter plan he uses for everyone and instead gives slightly different advice depending on the specific circumstances of the individual.
Im a security guard without a bachelors and I make $65-75k a year right now depending on how much overtime I feel like working and how long I want to sit in front of a computer playing video games…. I own a home as well Update: I made $96k this Year 2023! That was a lot of movies and youtube I watched. lol
A business administration degree is pretty garbage so that’s not saying much. Only business degrees worth anything are Accounting, finance (from select schools) and supply chain
Which begs the question how did that degree land him a $100k+ job straight out of college unless he inherited so position his parents made him go to school for
@Kay lol not even close a entry level Doctor earns that. Once they get their residency done they earn well above $250k-500k + You have Dr earning $1 mil + a year
People think Dave is tough because the truth makes people uncomfortable. And people today want the comfortable, easy, convenient, instant gratification fix.He tells people there’s not an easy button and that’s considered ‘triggering’ in today’s world. When I think of my grandparents and how resilient, tough, resourceful and fearless people of the greatest generation were, it always brings to mind how far society has fallen.
I know this might be an extreme example, but my great grandmother had 10 children that died. I've always said, compared to that nothing even comes close-- hence their high tolerance for stress. We could never understand that level of resilience in today's world. It's inconceivable.
@@meds714 two of the toughest people I know had their first child still born he would have been eight years old today but they are the toughest yet most loving people I have ever had the privilege of knowing
We’re truly living life on easy mode these days… that’s why I don’t understand the current societal angst, anger and depression from the young generation of how the country is today! BTW I’m not a boomer… just paid attention in history class
@@mikezerker6925 there are three main reasons why first social media has put everyone in view it restricts our ability to form genuine friendships and it allows for a much more devastating form of bullying. Second is the no tolerance policy/schools not wanting to interfere with bullying situations being unable to report bullying or even react without the risk of being expelled leads people to believe there is no way out of their problems which in turn leads to depression, anxiety, and even suicide I'm some cases because we are essentially trapping them in the problems preventing them from solving them. The last reason is we understand the importance of diagnosis and it's being diagnosed at a much higher rate in the past you were told to just suck it up and get back to work now you either get stuck with no way out or you get treatment and nowadays we don't give people time to get better on their own instead we slap a title on them and say this is you now
The stories on this show are getting more interesting now than they were several years ago. Seems as though since the pandemic was over the average non-mortgage debt level of all callers has risen dramatically.
Hmm. I watch his old Playlists and I haven't noticed. I think inflation is bringing people more in tune with their finances. People are scared when their costs go up so they freak out.
@Donovan She may make more doing Doordash or UberEats on paper, but when you add in your OWN cost of gas and car maintenance, wear and tare on the car, it's not worth it compared to what she is already doing.
When asked how much is owed on the cars and the caller makes comments like, "I think I owe still 47k on it" and "the other one is thiiiirrrteee?", the hesitation of not knowing the balances owed is as big a problem as the debt itself and the two are related.
I'm amazed that people call in but don't know exactly what they owe. I would know exactly and have it written on paper because Dave asks the same questions with every phone call. It sounds like people can't be organized and prepared for questions during a phone call so they can't help but have a big mess in their lives.
They’re calling because they’ve unorganized and unrealistic. They want a magic bullet. Dave tells them matter of factly how to dig out of the mess that they slept their way into.
Knowing is half the battle. If you already know your problem, you can start working on fixing it. You don't need Dave to yell at you to start doing it.
It's like pulling teeth to get answers from this guy. My wife and kids went to a private college and paid nowhere near that much. And two of them have degrees in communications. These people are foolish. Start getting out of debt, NOW!! Stop spending!!
Love listening to Dave and his associates! Can't believe the mess some people have gotten themselves into financially ? Dumb! Dumb! Dumb! Listen to what he says and do it!
I never accumulated student debt. I worked the whole time I was in college and finished my degree using tuition assistance/GI Bill through my military service. My wife doesn’t even have a Bachelors degree. Together we make nearly $175K with ZERO debt outside our mortgage. A degree is not the answer to financial success. Sure it can help, but skills, work ethic, and willingness to take on levels of higher responsibility are way more influential to career success. This idiocy of going to a private school and racking up huge student loan debt astounds me. This guy clearly places lifestyle above financial freedom. He’ll be working until they put him in a box.
The guy who is calling isn’t actually in a terrible situation, His Fiancee is… having $20k of student loan and $30k car loan, and on top of that another tens of thousands in credit card debt while making less than $50k with a degree.
The Caller keeps hemming and hawing..taking deep breaths when asked basic math questions about his finances. Dave's offer of Financial Peace University will really help him if he chooses to follow thru.
@@johnengland8619 How do you know it's a bargain, you have no idea the mileage or condition of the car. It could just as easily be a terrible buy as it could be a bargain.
Who noticed that Dave not wearing those bulky big headphones anymore… Producers finally convinced him to get new smaller ones 😂 they’re like “come on Dave those are from 2000s…”
Nope, the average person who follows the plan will be millionaires in about 17 years. However, these people have a better income than average, so if they’re smart they can do it.
I went to a community college for 2 years, then an online accredited college across country from me … for a business administration degree. Walked away with zero debt and about 5 years later making $140,000 annually. House hold income at $205,000 with zero debt except for the house at ages 34/33. Just proves it doesn’t matter what college, or private school. Ya just have to have brains and reasonable and rational critical thinking skills.
Internet is full of deceptions and lies. A new grad in his 20s without work experience with a Bachelor's degree in Business Admission does not make 100k a year, not even close. This guy is full of crap. 48k 0 - 1 year of work experience. 65k - 75k for people who have 5 years of work experience. 100k is for Senior level with at least 10 years of work experience.
@@djpuplex so the kids should just be sent on off for random people to watch them? And be taught godlessness? That’s what’s wrong with today’s society.
Im paying my debt down and making good progress. My new job with with a higher salary has helped a-lot. But when I look at on what was spent on these cards just pisses me off. I put a freeze on all but one card.
An education in business administration should provide some sense of basic personal finance. It's hard to believe he just "thinks" he knows where his problem is (again w/ a 4-year degree in Business Admin. & making 117k). There is no problem here unless they don't wake-up and change the way they manage their personal finances. The good news is they can get out of debt in 2-3 years by working extra job/s and spending less. That said, who didn't know the solution was to "sell the cars"...
Been going on for years, but with tuition what it is today, you can really get yourself in a bad situation quickly. You have to be smart when it comes to education. Some people don't even need a degree, and make very good livings.
Women have it easy in this world... they just need do some minimal dieting, body care, and open their legs... I've seen videos of chicks going from a 4 to a 8 in makeup tutorial videos.
It scares me the amount of debt people are in that do not include a home and a car. Colleges are beyond expensive and frankly, unless you are going to school for certain degrees, like a medical doctor or engineer or work in science, one has to think if it's worth it or not. Whatever classes you take, will they pay you back in the end with endless high paying job opportunities? I always say, if a young person is really smart, they would go to a trade school and learn a MUST HAVE skill. As for weddings, I cannot think of a bigger waste of money. It's a party. That money need to be spent on the couple's future from the day after the wedding. If you cannot get out of student loans, what do you do?
investing requires good experience and knowledge to carry out a good and successful trade, I have lost a lot trying to trade all by myself May I ask which investments are good?
if family ain't paying for nuptials they can drive themselves to the temple/church and watch the certificate signing through pastor's office window. what kind of nonsense is this, penniless youngsters putting themselves in huge debt so their families can flex?
So what does one do,when they.have been sick since age 3 and in and out of work and not enough credits for SSI..all funds go to useless Healthcare and you cannot work..no retirement
2:03 I’m predicting Jade will be gone in less than a year. I’ve seen this interaction with Dave and another female Ramsey personality before and she was gone shortly after. Dave doesn’t like not being looked at as the smartest person at the table and Jade cares little to defer to Dave. Take a look at her “debt free scream” with her husband and see who is taking the lead in that interaction. Very interesting.
Probably. Not all Ramsey personality combinations have the same synergy. Ken and John D. are my favorite, as is the Dave and John D combo. Dave defers to John's extensive knowledge of psychology and human relationships. George is excellent as well and he could easily be the successor to Dave in my humble op. Jade will probably do better with her own podcast show.
Interesting, I read a lot of comments, a loooot of people say they make a lot... my question is - is you all here make a lot, where is your money then? All sudden all of you have student loans, car loans and list goes on... non of you have money or good jobs otherwise you wont be here
I love how nobody gives a second thought about the cost of the tuition for the school they chose or the car they buy. They'll cut out 25 cent coupons for the grocery store, then go pay $80K for a year of college and $65K for a new car. wut?
People are so dead set on where they want to live. You can still work in a high income city, but reside somewhere more reasonable. I see so many young people wasting money on rent in a trendy area.
As long as they aren't living together, I think he'd be fine with it, but on other calls that they are already living together, he tells them to get married next weekend.
It’s NOT me!
Or is it 😏
This was my first thought when I heard it😂
😂😂😂
Lol the voice doesn’t match
Sounds just like you
Dave has rants that are inspirational for me. I start thinking about spending money for some frivolous bullsh$t and I watch a rant or two and that takes care of it!!
This is why I watch every day. My car is 20 years old. It works fine but I’m ready to replace it. I’m going to wait until I get my bonus in February rather than taking a loan out. Just paid off all my debt I don’t need to get into more. Dave reminds me!
Dave Rasey is a clown
Annie, watch the one titled “Change your life” my absolute favorite rant and it truly makes me get on fire about keeping to the plan! Best of luck out there
I love the humorless laugh when Dave asked who the doc or lawyer is😅
Me..2
I think people think it’s tough because Dave is so direct.
Dave? He can't get two words in.. the girl just takes over.. every call..
If their parent had told them, he wouldn't have to
He went to a private school to get a business degree and the dumbest business decision he made was going to private school to get the business degree
Exactly.
He makes good money right after college though. It seems like it worked?
@@Joyjoyjoy4not too much. I got a degree in the exact same thing and only came out 22k in debt and I make 114k at the moment. Mid 20s.
hes clearing 117k after taxes right out of school ... how is that a bad trade
@@JohnSmith-ox7ktI think that people mean it's not a good iterable decision. 100k would be a very high starting salary, more than usual
She's very direct and to the point.
I make 130k and I'm terrified to even take out a 30k car loan for a new car...still driving a paid off 2011 Scion lol.
Keep driving it!!!!
@@chocovanille5809 driving it to the ground! It can go for at least another 100k-150k miles.
2004 Toyota, no debt. Retiring early is the end goal.
So what
I wouldn’t buy 30k cars unless they are gonna get paid in cash
When are people going to realize, private schools/universities aren’t any better than community college or online degrees… it’s the same piece of paper + LESS money spent.
It's FREE in the military, even better!
My sister put my niece in a private school.....cost them an arm and a leg.
What she does now? Works odd jobs with no gumption to find a career, or at least a stable job, because she alas, she can't handle people.
Goes from job to job and quits because she thinks it's beneath her.
All that school gave her was a snobby attitude and a degree that she will never use.
School quality does matter... but unless you're getting into the top 2% of universities with direct pipelines and strong financial support it isn't worth it.
I tell my wife all the time: "If you keep doing what you're doing, you're going to keep getting what you're getting." We are working on breaking both of our family trees. Generational irresponsibility. My dad figured it out late, but he still changed his life. Millionaire with no debt. You can too
Fake story.
@@pyronixe weird reply, but okay.
@@SilenceSlayer224 I believe it, similar story here. Keep up the great work!
Sounds like a father preaching to his daughter
"He called the crazy people on the radio. He asked for this." True. Very, very true.
Dave is truthful, honest, lots of common sense. He gives you the facts.
Dave is a clown. I don't miss him!!
Why don’t these callers prepare with their numbers ready to go? I mean come on, they’ve watched at least one of Dave’s videos they should know how this works.
If they were organized with their numbers, they wouldn't need Dave's help?
@@blingman78 Bingo!
@@blingman78 very true but be at least a little proactive prior to “go time”
My thoughts exactly!
Whoever screens the calls should tell them to at least have their debts listed on paper.
Absolutely spot on about the cost of the wedding my husband and I have been married for 46 years this month had a wedding inside his home. His family brought a dish each we picked flowers from the yard. We spent $55 at the time on wedding rings which we still wear today and work just as well. I bought a dress for $50 he wore a suit he already had total including the marriage license and everything we spent on the wedding was less than $200 and we’ve been married happily for 46 years.
All those things you mentioned cost 20 times more these days😁
@@traceejohnson290 but there’s way’s around it, my dress was not an official wedding dress it was a markdown formal dress , our rings were plain, family bringing food no cost fresh picked flowers 🌸 no cost , I guess the only fixed cost is wedding license.
@@traceejohnson290 so true cause even what she described would probably cost $2k today . But I see the point as people don't have to spend $100k either .
@@rogers5622 Exactly, no need to spend 100K, however can barely find a dress for $200.00. For 5k you can have a nice wedding.
Did the same a few years ago. Bought a pretty dress (not an official wedding dress) for €50, my husband wore a suit he already had, we got some pretty silver rings (total of €125), the getting married part was free at city hall. As a gift from our parents we got a beautiful diner at a great local restaurant with both of our families. It was a great wedding day and a great start of our marriage🥰
Heard “Caleb” and “Austin” and got scared it was gonna be Caleb Hammer there for a second.
People making good money seem to have more problems than those who make far less than $100K/year.
Because we don't have money to spend
Right, I only make 50k before taxes but I have no debt of any kind. That’s worth a lot more to me than a six figure income.
Is not how much you make, is how much you keep. Listen to the millionaire next door.
Cause people making less typically have to be stricter with money...higher income leads to usually many being sloppy and overspending.
Mo money, Mo problems
My car has every light on currently on the dash and I’m going to continue driving it until it finally catches on fire because the prices of the newer ones are just ridiculous.
@@cedrick305 lol!!! I also got 2 or 3 flashing. It still runs. It's sensors are bad, nothing else.
@@anniesshenanigans3815
Lol 😂.
Went to a "private" school to get a business degree.
Wow, just wow!!!!
Tution in private schools is beyond reasonable. I know alot of folks from state colleges that are making six figures.
To be fair, he's grossing $117k in his 20s. The student loans aren't actually the problem here - it's the $77k combined in the car loans.
*a lot
Yeah, and a communication degree! lol!
@@ghjong001 yea. And for all we know, his loan might only be 20-30 k since he only gave combined figures.
@@ghjong001 Agreed I am 40 and wish I made that much but my car was 20 k new and is now paid off.
For half a second I thought this might be Caleb Hammer... Then I realized he would only ever have debt like this on a rental propety 😂
I can hear him screaming “stupid, stupid, stupid” if that was really him 😂😂
LOL... he's gonna call in a panic right after getting scammed into buying a Panda Express
I was about to comment the same thing!!
Caleb Hammer is 100 times adviser better than Dave Ramsey
@@buddykerr1 I recently came onto him and I like him a lot. He doesn't have an exact set cookie cutter plan he uses for everyone and instead gives slightly different advice depending on the specific circumstances of the individual.
Wedding? Forget it. Just go down to the courthouse and sign the paperwork. No honeymoon, either.
At least, until they’re out of debt and can afford it, then a honeymoon would be fine.
Im a security guard without a bachelors and I make $65-75k a year right now depending on how much overtime I feel like working and how long I want to sit in front of a computer playing video games…. I own a home as well
Update: I made $96k this Year 2023! That was a lot of movies and youtube I watched. lol
I want that job… XD
That’s not really a lot of money tho depending on your age
@@reese85 for a security guard it is
@@FlyyHigh834 not really! He said with overtime
It’s more than the average American makes
What is entirely hilarious is that this guy who had a degree in business administration can’t give a firm answer on the exact amount of debt he is in.
He needs to work on communicating with his wife with the comms degree on how much debt she has lol
A business administration degree is pretty garbage so that’s not saying much. Only business degrees worth anything are Accounting, finance (from select schools) and supply chain
Which begs the question how did that degree land him a $100k+ job straight out of college unless he inherited so position his parents made him go to school for
@@ballinforlife9 I agree! I have one and it was a totally waste
@@QuinLIVE That’s my question, business administration doesn’t pay that amount in Texas
How do people not have ALL the math written down before calling in.
Because they are dumb
He don't know math, just how to borrow and spend.
As I like to say, even for church but it applies in finances too....."Come as you are, but don't stay as you are"😂
Neither is a doctor but they are spending their money like they are 😂😂😂
They think they deserve certain things. They’re living a lifestyle they haven’t earned.
Well the nan is making over 100k thats almost like doctor money.
@Kay lol not even close a entry level Doctor earns that. Once they get their residency done they earn well above $250k-500k +
You have Dr earning $1 mil + a year
@@dairysmoreta6108
Well I’m no expert on doctor incomes, google says a doctor starting out averages around 90k, but after a few years average 150k.
@@XFizzlepop-Berrytwistit would be a waste! To go to school to become a doctor and only make 90-150k
People think Dave is tough because the truth makes people uncomfortable. And people today want the comfortable, easy, convenient, instant gratification fix.He tells people there’s not an easy button and that’s considered ‘triggering’ in today’s world. When I think of my grandparents and how resilient, tough, resourceful and fearless people of the greatest generation were, it always brings to mind how far society has fallen.
I know this might be an extreme example, but my great grandmother had 10 children that died. I've always said, compared to that nothing even comes close-- hence their high tolerance for stress. We could never understand that level of resilience in today's world. It's inconceivable.
We've just been lucky to live our lives in a golden age of safety and prosperity (in the West). Many people will toughen up quick when they have to.
@@meds714 two of the toughest people I know had their first child still born he would have been eight years old today but they are the toughest yet most loving people I have ever had the privilege of knowing
We’re truly living life on easy mode these days… that’s why I don’t understand the current societal angst, anger and depression from the young generation of how the country is today! BTW I’m not a boomer… just paid attention in history class
@@mikezerker6925 there are three main reasons why first social media has put everyone in view it restricts our ability to form genuine friendships and it allows for a much more devastating form of bullying. Second is the no tolerance policy/schools not wanting to interfere with bullying situations being unable to report bullying or even react without the risk of being expelled leads people to believe there is no way out of their problems which in turn leads to depression, anxiety, and even suicide I'm some cases because we are essentially trapping them in the problems preventing them from solving them. The last reason is we understand the importance of diagnosis and it's being diagnosed at a much higher rate in the past you were told to just suck it up and get back to work now you either get stuck with no way out or you get treatment and nowadays we don't give people time to get better on their own instead we slap a title on them and say this is you now
The stories on this show are getting more interesting now than they were several years ago. Seems as though since the pandemic was over the average non-mortgage debt level of all callers has risen dramatically.
The pandemic is just an excuse. People didn't adjust their spending.
Hmm. I watch his old Playlists and I haven't noticed. I think inflation is bringing people more in tune with their finances. People are scared when their costs go up so they freak out.
Because of inflation.
@src4409 probably both. Inflation probably has people who used to not care thinking twice about their debt now though.
@@enhancedutility266 And that's a real problem!! People don't budget.
So many people buy new and expensive cars when they're already in debt, pretty crazy. Buy a used Honda, Toyota, etc.
Currently saving for a nicer, newer car. These videos help me stay out of the dealership lol.
So where would you get the car? Lol
Hey we make a great salary let's spend it all!
She has a degree in communications making 42k....you can LITERALLY make more money DoorDashing and Uber Eats.
Yes but making a living doing Uber eats and door dash would be crashingly depressing.
Right…$42k is about $20 per hour for 40 hours a week…
@Donovan She may make more doing Doordash or UberEats on paper, but when you add in your OWN cost of gas and car maintenance, wear and tare on the car, it's not worth it compared to what she is already doing.
@@Elizabeth-yg2mg it’s not. I just listen to podcasts/music all day while bringing in $250-300 daily. This is why we saw the great resignation.
42k a year. a month 3.5k uber driver? why rest of the world uber drivers make like 1k for living?
Don’t feel sorry for him at all. Spending that much on a car is insane. Could’ve gone to a public school or joined the Guard to pay for college better
Cars are still the holy grail of status symbols in America. It's the number one budget breaker and it's not getting any better...
When asked how much is owed on the cars and the caller makes comments like, "I think I owe still 47k on it" and "the other one is thiiiirrrteee?", the hesitation of not knowing the balances owed is as big a problem as the debt itself and the two are related.
When people call in and haven’t figured out where ALL of their debt is from, I want to scream!! So annoying. N
This has to stop people good lord
$77,000 in cars? Dude needs to give Jesus the wheel.
I'm amazed that people call in but don't know exactly what they owe. I would know exactly and have it written on paper because Dave asks the same questions with every phone call. It sounds like people can't be organized and prepared for questions during a phone call so they can't help but have a big mess in their lives.
They’re calling because they’ve unorganized and unrealistic. They want a magic bullet. Dave tells them matter of factly how to dig out of the mess that they slept their way into.
Sell the cars then the GF
GF for sale?
Human trafficking will end him up in jail. It would be dumber than not paying credit card bills.
@@srs9973I gotta feeling he didn't mean it literally...😂
Most Americans want to live the rich life and are broke no wonder 31 trillion in debt and no one does anything its insane
I want to call into Dave but don’t feel like being called an idiot 😂
Hey, it's better than actually being an idiot lol. Go on and make the call. You won't regret it.
Make the call. No pain no gain 😆
Knowing is half the battle. If you already know your problem, you can start working on fixing it. You don't need Dave to yell at you to start doing it.
This guy sounds confused. He barely even knows what debt they have.
show is staged, made up... omg americans why you always believe in everything... it's not real!!!
Yeah oh wait what is debt lol
It's like pulling teeth to get answers from this guy. My wife and kids went to a private college and paid nowhere near that much. And two of them have degrees in communications.
These people are foolish. Start getting out of debt, NOW!! Stop spending!!
He has a degree in business administration
@@katemiller7874 Obviously, that does not make one smart.
$200k in debt and planning to pay for a wedding cash. Wtf is wrong with people
Love listening to Dave and his associates! Can't believe the mess some people have gotten themselves into financially ? Dumb! Dumb! Dumb! Listen to what he says and do it!
This country is in trouble!
In more ways than one! It's off the rails at this point. 😮
Just get married in a courthouse and pay your debts instead
Yes then renew your vows in a fancy ceremony in 5 years
I never accumulated student debt. I worked the whole time I was in college and finished my degree using tuition assistance/GI Bill through my military service. My wife doesn’t even have a Bachelors degree. Together we make nearly $175K with ZERO debt outside our mortgage. A degree is not the answer to financial success. Sure it can help, but skills, work ethic, and willingness to take on levels of higher responsibility are way more influential to career success. This idiocy of going to a private school and racking up huge student loan debt astounds me. This guy clearly places lifestyle above financial freedom. He’ll be working until they put him in a box.
His wife definitely didn't need to go into all that debt for communications😮
Knowing is the half the battle.
Dave never lets Black chick talk 🤣🤣🤣
Came for the call, stayed for the rant lmfao 🔥
The guy who is calling isn’t actually in a terrible situation,
His Fiancee is… having $20k of student loan and $30k car loan, and on top of that another tens of thousands in credit card debt while making less than $50k with a degree.
$200k is what I’m going to make in 10 years with compound interest
Smart man, stay single
Hope you’re not expecting social security in ten years LOL
Compound interest on what lol.
I mean you're allowed to dream....
@@eggsinsideme index fund, I’ve been contributing it $700 a month
this should be a PSA before buying a new car /truck
The Caller keeps hemming and hawing..taking deep breaths when asked basic math questions about his finances. Dave's offer of Financial Peace University will really help him if he chooses to follow thru.
I paid eighteen thousand dollars for a Honda Fit. I paid cash and love it.
That actually sounds like a bargain
@@johnengland8619 How do you know it's a bargain, you have no idea the mileage or condition of the car. It could just as easily be a terrible buy as it could be a bargain.
@@mplslawnguy3389 :D bargain omg people amaze me all the time :D car which loose value every year a bargain :D dom dom :D
@@mplslawnguy3389 msrp is $17,120. They said they paid cash another good move.
Next time go for a Mercedes G Wagon.
Pay off the debt first
Get married after
Who noticed that Dave not wearing those bulky big headphones anymore… Producers finally convinced him to get new smaller ones 😂 they’re like “come on Dave those are from 2000s…”
This man hesitates and is uncertain on every question about finances. I bet he is extremely detailed with his latte order though.
Now he wants a wife he can't afford and she is hoping to ride this train to suckersville
I just love Jade's hair!
Well you took away the important message there huh.
looks similar to me down there 😂
why do people buy insane amounts of car? Its so stupid
because everyone is gangsta
How can you owe $47k on a car and still be calling into this show. Come on dude. Watch an episode or do some basic math.
millionaires in 7-8 years. Dave has completely lost touch with reality.
Nope, the average person who follows the plan will be millionaires in about 17 years. However, these people have a better income than average, so if they’re smart they can do it.
Do the math. They still could be millionaires if they do it correctly.
So have you if you think ANYBODY is in touch with reality in 2023.
I bet the wedding will not be a cheap one judging by the cars that they have 😮
RIGHT
Ohhhhhhhh geez. I didn't even think about that 😫
@@rmj7Oh it’s coming!
I went to a community college for 2 years, then an online accredited college across country from me … for a business administration degree. Walked away with zero debt and about 5 years later making $140,000 annually. House hold income at $205,000 with zero debt except for the house at ages 34/33.
Just proves it doesn’t matter what college, or private school. Ya just have to have brains and reasonable and rational critical thinking skills.
Didn’t know there’s a new host on this show. I’ll def be watching again 🤗😍
Internet is full of deceptions and lies.
A new grad in his 20s without work experience with a Bachelor's degree in Business Admission does not make 100k a year, not even close. This guy is full of crap.
48k 0 - 1 year of work experience.
65k - 75k for people who have 5 years of work experience.
100k is for Senior level with at least 10 years of work experience.
He not getting rid of those cars.
I’m afraid you might be right.
I won't get married to be honest...!
Yup you know two years into this marriage she gonna "communicate" her need to be a stay at home mom and never work again.
I'm with you! Debt free first then marriage
@@djpuplex so the kids should just be sent on off for random people to watch them? And be taught godlessness? That’s what’s wrong with today’s society.
@@saltandfaith Simp
Im paying my debt down and making good progress. My new job with with a higher salary has helped a-lot. But when I look at on what was spent on these cards just pisses me off. I put a freeze on all but one card.
Good for you. Keep building that self discipline!
You paid to go to a private college just to get a degree in business administration?
🤦♀️
An education in business administration should provide some sense of basic personal finance.
It's hard to believe he just "thinks" he knows where his problem is (again w/ a 4-year degree in Business Admin. & making 117k).
There is no problem here unless they don't wake-up and change the way they manage their personal finances.
The good news is they can get out of debt in 2-3 years by working extra job/s and spending less.
That said, who didn't know the solution was to "sell the cars"...
Sad to see this is a huge majority following this route.
Been going on for years, but with tuition what it is today, you can really get yourself in a bad situation quickly. You have to be smart when it comes to education. Some people don't even need a degree, and make very good livings.
@@mplslawnguy3389 💯
Women sure do know how to find valuable men lol
Women have it easy in this world... they just need do some minimal dieting, body care, and open their legs... I've seen videos of chicks going from a 4 to a 8 in makeup tutorial videos.
😂
Facts. If she wasn’t with him she would be bankrupt
It scares me the amount of debt people are in that do not include a home and a car. Colleges are beyond expensive and frankly, unless you are going to school for certain degrees, like a medical doctor or engineer or work in science, one has to think if it's worth it or not. Whatever classes you take, will they pay you back in the end with endless high paying job opportunities? I always say, if a young person is really smart, they would go to a trade school and learn a MUST HAVE skill. As for weddings, I cannot think of a bigger waste of money. It's a party. That money need to be spent on the couple's future from the day after the wedding. If you cannot get out of student loans, what do you do?
I hate it when Dave completely cuts off his co-host. So rude. Let her contribute
Dude needs to run fast.🏃🏿♂🏃🏿♂
They fell for the American dream, in debt........
😄😄😄😄right
This is crazy. I'm considered high earner but I would throw up with 200k of debt. Let alone a 40k car.
His girl took out loans to go to a private university to get a job that pays less than the starting wage at the Post Office. Wow.
investing requires good experience and knowledge to carry out a good and successful trade, I have lost a lot trying to trade all by myself May I ask which investments are good?
I am going to look her up, I have about $81k i want to start with....
Thanks for the efforts you put in these. I found her and i leave her a message i await a response
Marriage? You have to be kidding. Dave won't say it but no marriage til debt is manageable. Women with that debt and a 42K salary. come on.
💯
117k a year for a bachelor's in business administration seems sussy unless he talking about Ivy League
if family ain't paying for nuptials they can drive themselves to the temple/church and watch the certificate signing through pastor's office window.
what kind of nonsense is this, penniless youngsters putting themselves in huge debt so their families can flex?
They Think They ARE RICH.WHAT A JOKE
calm down dude :D
Don't live life based on other people's opinions of you are scared of what other's think. Live it for yourselves.
dave makes this shit funni!
So what does one do,when they.have been sick since age 3 and in and out of work and not enough credits for SSI..all funds go to useless Healthcare and you cannot work..no retirement
Sell the fiancé.
PS this is Austin, I still love you. ❤. His favorite song once he starts the plan
2:03 I’m predicting Jade will be gone in less than a year. I’ve seen this interaction with Dave and another female Ramsey personality before and she was gone shortly after. Dave doesn’t like not being looked at as the smartest person at the table and Jade cares little to defer to Dave. Take a look at her “debt free scream” with her husband and see who is taking the lead in that interaction. Very interesting.
Probably. Not all Ramsey personality combinations have the same synergy. Ken and John D. are my favorite, as is the Dave and John D combo. Dave defers to John's extensive knowledge of psychology and human relationships. George is excellent as well and he could easily be the successor to Dave in my humble op. Jade will probably do better with her own podcast show.
Looks like you may have been wrong about this one! Jade is pretty cool. 😊
They could trade in for 2 brand new corollas and make 40k lol. But can their ego handle that?
How is someone with a business degree this bad with numbers?
Some turn off the knowledge outside of work ....crazy
I don't have a college education and I make more money than she does!
What’s your job ?
Interesting, I read a lot of comments, a loooot of people say they make a lot... my question is - is you all here make a lot, where is your money then? All sudden all of you have student loans, car loans and list goes on... non of you have money or good jobs otherwise you wont be here
@@cameronclark3927 I work in the school district.
I love how nobody gives a second thought about the cost of the tuition for the school they chose or the car they buy. They'll cut out 25 cent coupons for the grocery store, then go pay $80K for a year of college and $65K for a new car. wut?
Austin is blowing up, what’s their rent? There so much they can downsize once they get rid of the cars.
People are so dead set on where they want to live. You can still work in a high income city, but reside somewhere more reasonable. I see so many young people wasting money on rent in a trendy area.
Hey Dave great show. I wanted to know your thoughts on people waiting a year and a half plus to get married?
As long as they aren't living together, I think he'd be fine with it, but on other calls that they are already living together, he tells them to get married next weekend.
Yes. Delay the wedding and work like crazy to pay off the debt.
College doesn’t fix stupidity!
Agreed.
And this guy is doing well? Dave please help him understand he is not doing well at all.
two years out of school and making $117k, it's not an income problem.
He could’ve got that degree at his local community college.
💯