I said the same thing to myself...she's keeping that car...even with $55.000 a year between her and her fiance', that car is going to be a major burden and she has all that college debt too? Outrageous!
I said the same thing to myself...she's keeping that car...even with $55.000 a year between her and her fiance', that car is going to be a major burden and she has all that college debt too? Outrageous!
1. She won't sell the car 2. She will have that picturesque wedding at least for her FB and Instagram 3. She will take a new loan to get out of previous mess 4. RIP happy married life 5. #LivingAmericanDream
Protoss Zerg doesn't matter if it was.. look on Cars. Search 2014 fusion with less than 30,000 miles (I used that as a baseline for 10000 miles per year). You can't even find one for 20,000 most are 10-15 MAX.
@@alexsbikesandmotors Your thought process is why she did it in the first place. When consumers go to buy something instead of saying hmmm this item is $20,000 and I make $28,000, that's way too much, they go, OH it's $20,000 but the payments are $500 so it's not really hurting my pay because I can make the payments, which is what makes it a dumb decision in the first place. So you're saying she's dumb, but you're also saying "Not really" to the comment the other poster left saying that's 75% of her pay in a car. When you make purchases, you MUST think Income vs the purchase. If your car is $20,000 and you're going to lease or finance, you're now in debt for $20,000 regardless if it's delayed purchasing. If you can't walk in and buy whatever it is right then, with cash or debit, you can't afford it. If you can walk in and purchase it with cash or debit and it will leave you broke after, you can't afford it. So you shouldn't lease a car, not buy a car $20,000 cash and have $0 money left over either even though that's better than leasing, especially if you are in the negative, which means you're in debt, adding to more debt willingly.
Cobalt? Just remember to get the ignition recall done. Many people have died because Chevy did not think lives worth anything. www.cars.com/recalls/chevrolet-cobalt-2008/ This ignition coil recall is more dangerous than the Takata airbag inflator recall on my book. The former could happen anytime as long as the car is on, the later only kills when the airbag is deployed.
2005 Mustang with 235k miles, still runs great do all the work myself if it needs any, including paint job I just did. I will never finance another car.
Overpriced extended warranties, GAP insurance, and negative equity rolled into the loan that's how and yes she got taken to the cleaners dealerships railroad many customers like this because their so desperate to sell a car and meet their quota for how much useless warranties and gap insurance they can sell.
this guy is great. he is very supportive. he has a way of admonishing you but also making u feel like you can overcome mistakes. dave great advice and better support
I made the same mistake about 4 years ago. I was hungry for a new car and bought a $25,000 car at 20 years old with a $30,000 income. Now 4 years later I’ve learned my lesson. Not proud of the action, but I’m two years away from getting rid of that vehicle and I’m making $40,000 a year now. I will never ever commit such atrocities again. I’m financially savvy now and I hope this woman learned her lesson. All that suffering was unnecessary for me.
Good point. Could she have rolled over residual debt from her previous car? Since it needed work and if she traded it in she likely received very little for it. That could explain the high cost. BTW are from Việt Nam. I ask because while I'm from the US I've been living in Đà Nẵng for a couple of years. It's an amazing country with the best food in the world. Anh yêu Việt Nam. =)
Every call is the same 1. I spent a bunch of money on a degree that I didnt obtain/dont use. 2. I spend twice as much as I make. 3. I am in debt thousands of dollars.
I paid 500 to get married which was awesome, but I paid in divorce fees over 100 thousand in lawyers, alimony and child support. Marriage is just a business contract that benefits the woman.
Listen to Dave. Sell the car. I'd rather charge the $1500 or so in repairs on a CC then finance a $20,000 car. Or better yet, buy a $1000 car that you won't have to do repairs on.
Exactly, thumbs this comment up hundreds of times---hope this lady sees this video and reads this. I told my wife(fiance' at that time) this exact thing for months prior to our wedding and she wouldn't listen. A few months after the wedding, as nice as it was--she realized it was one day and she would have rather had that wedding money cost to put down on a house or furnish our living. Wedding's are a day, marriages (should) last for life.
My friend is doing exactly as the caller does. She refuses to give up the expensive car that has her crying each month. She pays almost $500 for payments.
Yeah I do too. My Jeep will be paid off in about a year and a half. At that point I will entertain getting the car that I really want. I should be above 100K by then too.
Vile Nation Gaming good stuff man. I enjoy seeing people be smart with their money. man 100k in NYC gets taxed like crazy. Hopefully the taxes are not as high for you.
Jennifer Lazyfoot Not everybody. Everything she did I've never done before. I've had more than $2k emergency fund before I was out of high school. And the Air Force paid for a lot of my education. And marriage was out of the question.
Jennifer Lazyfoot Indeed. Creating financial peace will do that. Make your financial situations boring and humming along nicely in the background. Hung a lot of drywall to build my emergency fund and invested part of it which kept growing. Then 100% of time and energy can be concentrated on studies and career. Didn't mess up things by having kids back then either.
Bought ford thats falling apart and then bought another ford to fix the issue. I drove a 1999 corolla for 16 years with no issues and that car went through 2 accident. Some Americans are really devoted to American brands no matter what it costs.
My family has always driven Chevy. My parents gave me a 2006 Silverado, it's a good truck. Then i bought a BMW. (used). Not going back to American cars after that. lol
I buy American and I have no problem. When you take care of your cars, they take care of you. If you buy a foreign car most people have no problem paying for over priced services but don't want to pay for the affordable services of an American car. You get what you put into it.
Whaaaatttt?!?!?? Ford is really popular in the U.K., particularly the Ford Fiesta. The older models at least are pretty reliable and fairly cheap on parts
Learn how to do minor repairs and keep it until the cost is no longer viable. Also stop trusting mechanics to give you a real appraisal. The world is full of mechanics who are friends with car salesmen. Just hoping to convince you to scrap your used car and go look at loans for a newer one.
I recently stumbled upon your channel and I really appreciate all I've seen thus far! You're a great man for sharing all this knowledge. From the bottom of my heart thank you.
I just wanna know what goes through peoples minds when they spend 75 percent of their yearly income on a car? Regardless of how much money you make that’s absurd
I just love on these callers how Dave calculates stuff and then the caller divulges a new detail which pretty much makes the existing math Dave did worthless.
Now i understand why I see so many nice cars on the road in the states... none of them have the money to buy it in cash, everyone is borrowing money that they don't have
It worked for my wife when she was in college, lived at home and making 30k, bought a 20k car with 5k down, the car was her only payment and was only 273 a month
I had a car one time, that constantly broke down on me, it was only worth like 500 but I was trying to be responsible and fix it instead of buying a new car. I dropped 3k, broke down again, then another 2k and broke down again. after that I got fed up. it cost me alot of problems for work.
I have a number of co-workers who have purchased older cars in most cases the motor or transmission went in a year the replacement repair bills were in the thousands...These days a $1000 used clunker is going to cost you money in the long run.
I felt guilty making 55k yr. Buying 25k car. So i decided to give up my free time and picked up uber and doordash. And threw every single penny i made from rideshare on this car.
Sometimes when I’m bored I go on Craigslist and see what’s the best car I could buy for $1000. You can really find some good deals. And even if it only lasts 6 months you’re still saving money over a new car payment.
Sometimes it is not worth keeping a car that bleeds you $1,000 in repairs a year. But don't go out and buy a $20k car if you can't afford it! I just recently exchanged my 15 year old Buick Century for a 5 year old Kia Optima, and paid $11,500 in cash because that's what I could afford. Actually, the dealership's financing department was trying to convince me to pay down $7,000 while paying the remainder (with interest, of course) in $88 payments every 2 weeks! No, thank you! I prefer to be debt-free.
@@ben-and-maffy Well first things first, do NOT go to the stealership for anything unless it's covered under warranty. Another thing is that you're really complaining about maintenence at 100k miles? This get used and old, just like your truck and are bound to be replaced. And how long did it take for you to replace your starter?
I bought my truck for 400 bucks. 1999 Cadillac escalade with almost 200,000 miles. Fixed the steering and water pump myself. Boom no car payment for an entire year now.
$20,000 on a 2014 Ford Fusion? People really need to do their research before purchasing such a moneypit! The Fusion is a great car, but here's the problem. Rental companies have been working on getting these Fusions and now the resale value is far below what the car would normally be worth. But a brand new Fusion doesn't cost that much more for what she bought! Seriously if she needed a car that new and at that price, it's better to lease it.
I see this all the time. Kids working at fast food joints driving wrx's and sti's. Even people at my job putting 1000 down on a brand new 30k car. Just ridiculous
If you are working towards debt payoff, if you feel burnout in your second job, weather you drive uber / deliver pizzas , try listening to Dave while working. It works very well.
Should have bought 2 of those cars................. or maybe 1 50k car, for fun !! Heck, why not. A cruise wedding for 5k or 10k ( even better ) sounds great.
I bought a 18 grand car new, financed. I only make 30g a year. I feel like I made a good choice. 0.9% financing. I actually take care of my car so I can't see it being a bad choice for me for the next 10+ years.
She is not going to return the car.
Anastasiia Kharchenko yea you can tell she not listening
Anastasiia Kharchenko
I'm thinking the same thing.
I said the same thing to myself...she's keeping that car...even with $55.000 a year between her and her fiance', that car is going to be a major burden and she has all that college debt too? Outrageous!
I said the same thing to myself...she's keeping that car...even with $55.000 a year between her and her fiance', that car is going to be a major burden and she has all that college debt too? Outrageous!
I hope his truck is not $30,000.
20k for a 2014 Ford Fusion is ridiculous
Yeah you can get them brand new for 22k there's no reason to pay that much for a used one with X miles on it.
So Smart too. Let's get something too expensive that uses too much gas? Wow.
Exactly my thoughts. Couldve gotten.$10000 2014honda accord with 40000 miles on it. Better car in general too. Even some $5000 cars are better.
not even close to being better than the fusion lololol
JJSmith Lago there are different features and options.... it can run up to 30+k brand new
Car needed $1000 in repairs, so she went out and bought a $20,000 car. Makes sense.
Jason Burns 😂😂 decisions like these seem like logical decisions to the majority of society tbh
Crishchun Goomah easy things to get fixed too to top it off
Jason Burns probably 3-4 hundred in parts. If the repairs are even needed.
Exactly what I was thinking!
Goomah!!!!!! Didn't know you were a Ramsey fan, did you pay cash for your ferrari?
I keep watching these car videos so I don't get a new car lol
V von Hessen me too lol
Or a Ford Fusion 😂
Me too lol
Guilty
facts lol
The best car payment is no car payment
Smit1791 my man!
Dude you win 🤣
Yup and she had a 2010 and bought a 2014 😂
Ya think ?
Yep i got 3 cars all paid for. No better feeling.
1. She won't sell the car
2. She will have that picturesque wedding at least for her FB and Instagram
3. She will take a new loan to get out of previous mess
4. RIP happy married life
5. #LivingAmericanDream
polymath Can't fix stupid!
Yup exactly right
Sounds about right
Exactly what I was thinking
gilbert martinez kind of racist im black but sadly its true lol
"Sell the car. That was stupid. Tell me you know that was stupid."
You're my hero Dave
Dave: "So you bought an 20 000 dollar car, and you broke..."
She: "tihi yes"
Me: *grabs popcorn*
20 grand for a 2014 Ford Fusion? That a terrible deal on it's own
may be it was maxed out!
Protoss Zerg doesn't matter if it was.. look on Cars. Search 2014 fusion with less than 30,000 miles (I used that as a baseline for 10000 miles per year). You can't even find one for 20,000 most are 10-15 MAX.
ShockinglyBleh probably rolled over negative equity from her previous, broken car.
Either it's a loaded titanium trim fusion. Or its money brought over from the loan on her other car.
What I’m saying
why don't schools teach people how to be responsible with money?
Brandon Adams lol game is rigged!
Why don't parents teach kids......oh wait they are inmature with money too!!
tommy hall don't you know that would be wacist
Patio Furniture true Forgot about that.
Brandon Adams most valid reason
That was about 75% of her income wrapped up in one thing with a motor.. ouch.
not really because it was probably like a 5 year note on the car. she's still super dumb tho.
Kaynen Brown, BSN, RN engine ** motors are electric .
WRONG! GM(General Motors)…..
@@alexsbikesandmotors Your thought process is why she did it in the first place. When consumers go to buy something instead of saying hmmm this item is $20,000 and I make $28,000, that's way too much, they go, OH it's $20,000 but the payments are $500 so it's not really hurting my pay because I can make the payments, which is what makes it a dumb decision in the first place. So you're saying she's dumb, but you're also saying "Not really" to the comment the other poster left saying that's 75% of her pay in a car. When you make purchases, you MUST think Income vs the purchase.
If your car is $20,000 and you're going to lease or finance, you're now in debt for $20,000 regardless if it's delayed purchasing. If you can't walk in and buy whatever it is right then, with cash or debit, you can't afford it. If you can walk in and purchase it with cash or debit and it will leave you broke after, you can't afford it. So you shouldn't lease a car, not buy a car $20,000 cash and have $0 money left over either even though that's better than leasing, especially if you are in the negative, which means you're in debt, adding to more debt willingly.
Even worse. Her take-home pay is much less than that.
I'm buying a 2008 Chevy cobalt for 1,000 today! It has 80,000 miles & looks in great condition. I'm 18 years old & have 4K saved up
nice dude! I need some of that car shopping skill you got. was it a private sale?
Daniel Arias wow that's cheap. hope it serves you well
Cobalt? Just remember to get the ignition recall done. Many people have died because Chevy did not think lives worth anything.
www.cars.com/recalls/chevrolet-cobalt-2008/
This ignition coil recall is more dangerous than the Takata airbag inflator recall on my book. The former could happen anytime as long as the car is on, the later only kills when the airbag is deployed.
You're on the right track!
Daniel Arias 4K at 18 your doing well my man
A $3000 Toyota Camry or Corolla would have lasted until the $29000 in student loan debt was PAID OFF!!!!
And it would’ve lasted quadruple that of the ford
Instant gratification is strong in this lady. A $20,000 car and a $5,000 cruise. Yikes.
$5000 for a wedding isn't bad.
SG F a wedding overall is bad if you cant afford it
Sad both of them only make 55000 together and they’re committing financial suicide.
for asians we normally spend at least $50.000 on wedding. (all cash)
Average wedding in the U.S. is about $30,000 and couples go in debt for it soooooo
"Don't even start talkin'." 😂😂😂
michelleatdawn LOL i totally bust out laughing when he said that..
Dave the Savage.
I'm at about 90k, still pushing a 2004 Buick Rainier with 160K miles! Drive it until the wheels fall off!
That's what intelligent people do.
Bunch of cheap skates
Best advice ever
2005 Mustang with 235k miles, still runs great do all the work myself if it needs any, including paint job I just did. I will never finance another car.
$40k here..gonna drive my 2001 acura with 170k miles till she dies 😂
I bet she lied about the 30 days being up cause she thought he would let him keep the car LOL
😂😂
I felt that too
She was looking for validation 🤣🤣🤣 its okay keep the car hun
Her*
My ford fusion broke, so i go and buy another ford fusion. Brilliant!!
Hiram Rosa Jr 😂😂😂😂😂
First issue is buying a Ford
It was not even broke , and just needed brakes , normal maintenence lol.
Hahah yea, makes sense to buy a different brand if your previous one had problems 😅
How do you spend $20,000 on a 2014 Fusion??!! My brother just bought at 2016 Fusion for $16,000... This girl got taken to the cleaners.
Overpriced extended warranties, GAP insurance, and negative equity rolled into the loan that's how and yes she got taken to the cleaners dealerships railroad many customers like this because their so desperate to sell a car and meet their quota for how much useless warranties and gap insurance they can sell.
Interest
Obv not haggle like asian
Caller: Hi, Dave
Dave: Sell the car
Lol
this guy is great. he is very supportive. he has a way of admonishing you but also making u feel like you can overcome mistakes. dave great advice and better support
Is it just me or do other people watch Dave Ramsay to make them feel a little better about their financial choices😁
Umm, yup I do
Or worse
Oh absolutely 😂
I made the same mistake about 4 years ago. I was hungry for a new car and bought a $25,000 car at 20 years old with a $30,000 income. Now 4 years later I’ve learned my lesson. Not proud of the action, but I’m two years away from getting rid of that vehicle and I’m making $40,000 a year now. I will never ever commit such atrocities again. I’m financially savvy now and I hope this woman learned her lesson. All that suffering was unnecessary for me.
2014 Ford Fusion for $20K? She got ripped off too. A little research and she could have bought the same car for $9-12K.
I was thinking the same thing.
Good point. Could she have rolled over residual debt from her previous car? Since it needed work and if she traded it in she likely received very little for it. That could explain the high cost.
BTW are from Việt Nam. I ask because while I'm from the US I've been living in Đà Nẵng for a couple of years. It's an amazing country with the best food in the world. Anh yêu Việt Nam. =)
Viet PopLove ikr
I bet she rolled in negative equity from the 2010 Fusion.
Viet PopLove these car dealerships
Every call is the same
1. I spent a bunch of money on a degree that I didnt obtain/dont use.
2. I spend twice as much as I make.
3. I am in debt thousands of dollars.
She think it's funny too.
Ya gotta admit that her fiscal judgment is better than that of the US Congress.
Blaine Nay a dead animal has better management skills than Congress. I mean self serving congress
Blaine Nay ur right
Not true. Congress uses OTHER PEOPLE’S money.
There’s no end to that.
"Sell the car". I watched this just to see his reaction. I love Dave Ramsey! he is phenomenal
Because of him, i am up this weekend to make extra money and clear my stupid credit cards. Bless you Dave Ramsey
I paid 500 to get married which was awesome, but I paid in divorce fees over 100 thousand in lawyers, alimony and child support. Marriage is just a business contract that benefits the woman.
She needed $1000 to fix her car so she went out to get a new car for $20k. Wow stuff like this makes me feel like im a genius
Too funny
Hahaha great 😂
She got fleeced by a dealer. Relax.
Listen to Dave. Sell the car. I'd rather charge the $1500 or so in repairs on a CC then finance a $20,000 car. Or better yet, buy a $1000 car that you won't have to do repairs on.
ominous450 $1000 car, you won't have to do repair on? haha, nice joke.
Done it before. it is doable if you know what you are looking for and have cash in hand.
NOO NOPE what car you get?
Exactly
Problem is many old cars keep having more and more repairs.
I had 10000 in the bank. I got injured. My saving allowed me to heal comfortably. I was 19. Guys savings is so important.
cancel the cruise wedding, do a courthouse wedding, and spend the money on a car. Weddings aren't that important. Plus you can do a ceremony anytime.
Exactly, thumbs this comment up hundreds of times---hope this lady sees this video and reads this. I told my wife(fiance' at that time) this exact thing for months prior to our wedding and she wouldn't listen. A few months after the wedding, as nice as it was--she realized it was one day and she would have rather had that wedding money cost to put down on a house or furnish our living.
Wedding's are a day, marriages (should) last for life.
justin hill you're right. Probably the woman's decision to go on the Cruise 🚢. It's not a priority.
justin hill church!!😂😂😂
When my now husband asked me to marry him,I said yes, on one condition, To not have a wedding and spend a buttload of money!
Bend Metal Fitness Just get a used Honda or Toyota. Camrys, Accords, and 4runner are very reliable.
She is not deep enough in the Dave Ramsey stuff as we are to return that car.
I love it when Daddy Dave says....’That was Stu-pid’ 😂
Do a Vegas wedding, ours cost $350. With plane tickets and hotel stay we still spent under $1500.
MrBreeze vegas is really cheap.
Better yet, don't get married at all! Cost is $0. There is no logical reason for a person to get married in the 21st century.
Christof L True. I agree. But I know someone will come along some day and change my mind.
@@christofl6523 Uh well if you're a Christian there definitely is. God says so, unless celibacy is your thing.
@@TB-vb3ov Celibacy isn't my thing and neither is believing fairy tales.
How much ypu want to bet she won't sell the car? You can hear it in her voice
My friend is doing exactly as the caller does. She refuses to give up the expensive car that has her crying each month. She pays almost $500 for payments.
It was all going smooth until she said the words "I just bought a car"
Dave Ramsey: you bought a car......
Ha ha ha !!! I had a feeling she was gonna bring that up.
She sounded so sad after he said sell the car 🤣
I’d love to hear an update
How in the WORLD!!!???!!??! Why oh why? SELL THE CAR!!! I have the feeling she's not gonna sell that car...
I make 84K a year and drive a Jeep Compass. I want a the Lexus RC 350 or BMW 6 Series but, trying to be smart with my money I'm keeping my Jeep.
Vile Nation Gaming
I think you will thank yourself later down the road for doing this. smart move.
Yeah I do too. My Jeep will be paid off in about a year and a half. At that point I will entertain getting the car that I really want. I should be above 100K by then too.
Vile Nation Gaming
good stuff man. I enjoy seeing people be smart with their money. man 100k in NYC gets taxed like crazy. Hopefully the taxes are not as high for you.
Nah. I live in Birmingham AL. A 100k here goes quite a bit further than NY.
Wow that's awesome man. Well congrats on your hard work and success. Keep working hard and remain humble.
I'm going to buy a new car specifically to call Dave and say I got a new car, you know, just because feelings....
My first car was just under $1,000. Now, when I look at a $20,000 car, I say, "I could have 20 cars for that price!"
Whats hard is that im a car enthusiast. Probably one of the most expensive hobbies
What does a good cheap car cost now? 😂😭
And I thought I was dumb for getting a 15k when I made 20k, luckily I'm now making 40k but interest and insurance is killer
She hasn't done anything we haven't done. Everybody has made dumb financial mistakes Trust me!
Jennifer Lazyfoot
Not everybody.
Everything she did I've never done before.
I've had more than $2k emergency fund before I was out of high school.
And the Air Force paid for a lot of my education.
And marriage was out of the question.
+BlackWorldTraveler yawn....
Me dying my hair in 7th grade was a mistake. What she has is a disaster.
Jennifer Lazyfoot
Indeed.
Creating financial peace will do that. Make your financial situations boring and humming along nicely in the background.
Hung a lot of drywall to build my emergency fund and invested part of it which kept growing.
Then 100% of time and energy can be concentrated on studies and career.
Didn't mess up things by having kids back then either.
GamerNRetro Hahaha👍
Bought ford thats falling apart and then bought another ford to fix the issue. I drove a 1999 corolla for 16 years with no issues and that car went through 2 accident. Some Americans are really devoted to American brands no matter what it costs.
My family has always driven Chevy. My parents gave me a 2006 Silverado, it's a good truck. Then i bought a BMW. (used). Not going back to American cars after that. lol
I buy American and I have no problem. When you take care of your cars, they take care of you. If you buy a foreign car most people have no problem paying for over priced services but don't want to pay for the affordable services of an American car. You get what you put into it.
Whaaaatttt?!?!?? Ford is really popular in the U.K., particularly the Ford Fiesta. The older models at least are pretty reliable and fairly cheap on parts
I drive a 20 year old Ford Escort. Still runs great!
True but you look like a loser in that Corolla. So that's on you.
people like her keep dealership's business alive.
Stealerships
I have owned $1000 cars and they just don't magically keep runing. Keeping an old pos running isn't always a good idea either.
Learn how to do minor repairs and keep it until the cost is no longer viable. Also stop trusting mechanics to give you a real appraisal. The world is full of mechanics who are friends with car salesmen. Just hoping to convince you to scrap your used car and go look at loans for a newer one.
$1000 is a little hard to get a running car, but $2000 is pretty easy. Learn how to inspect and work on cars. Just minor stuff. It’s not that hard
TRUE
I recently stumbled upon your channel and I really appreciate all I've seen thus far! You're a great man for sharing all this knowledge. From the bottom of my heart thank you.
I read the title and immediately said "ooooo you're going to be in trouble" 👀
Lol 😅😅
I love Dave's show on the radio.... Glad I found this page on youtube...
Bought myself a fancy looking Saab for $5,000, under 90K at the local BMW dealer. There are great options to debt out there!
I just wanna know what goes through peoples minds when they spend 75 percent of their yearly income on a car? Regardless of how much money you make that’s absurd
20,000.00 for a used car!?!?!
I bought a new car, cost me $15,000.00
I just love on these callers how Dave calculates stuff and then the caller divulges a new detail which pretty much makes the existing math Dave did worthless.
weddings are a waste of money, they are just too expensive to get out of.
There are no 1000 dollar cars anymore (not that run and drive anyway) 2000-2500 minimum if you find a good deal
This aged well lol… more like $4500 minimum for a 170k camry
You know you done messed up when he pulls out Financial Peace University LOL
You only make 28k a year. You shouldn't be spending 5,000 on a wedding.
A Marriage That May 'Not' Last That Long.
Magandang Buhay most people don’t stay married that long you twit
If you find a girl who giggles about going $20k into debt, run.
Sounds like the typical american. There is a reason the average car payment is $503 per month and the us is in over 1 trillion in car debt.
Typical Black girl
@@PacMan755 don’t think race has anything to do with her decision making. all races fall into the debt trap.
Sounds like I’m in a good place with my $350 car payment
@@PacMan755 people of all races call into the show with the same problem 🙄
Now i understand why I see so many nice cars on the road in the states... none of them have the money to buy it in cash, everyone is borrowing money that they don't have
This guy makes me wanna buy a muscle car for no good reason.
Just don't buy a Chrysler product
honchoryanc 😂
Your loose bb
The marriage is the dumber decision than the car.
She's the woman, so not necessarily for her.
You are so very, very wrong.
Why? Married people are wealthier in general.
Violet Tippet not if one burns it faster than they can make it.
Gordon Freeman same thing I was thinking
Wow, she doesn't make no sense
Mike Nelson get a life
That was the joke
So she does make sense?
Cars can be the biggest waste of money anyone can make. It's only ROI is that it can get you to work.
Spends 20k on the same car 4 years newer🤦♂️
And I wonder why folks have no means to survive during this pandemic. So many folks are living way above their means.
It worked for my wife when she was in college, lived at home and making 30k, bought a 20k car with 5k down, the car was her only payment and was only 273 a month
I’m more mad at a 2014 fusion being 20k and her paying that lol.
Please do not spend five thousand dollars on a wedding. Get rid of that car. Pay down that student loan now. God bless the two of you.
I had a car one time, that constantly broke down on me, it was only worth like 500 but I was trying to be responsible and fix it instead of buying a new car. I dropped 3k, broke down again, then another 2k and broke down again. after that I got fed up. it cost me alot of problems for work.
She sounds so proud of what she and her hubby make.
I have a number of co-workers who have purchased older cars in most cases the motor or transmission went in a year the replacement repair bills were in the thousands...These days a $1000 used clunker is going to cost you money in the long run.
All people see is payments and not the price
It's an IQ problem
as of 07/04/2018 a NEW 2018 fusion can go for $20,000. She paid that amount for a used fusion. WHAT ON EARTH!!!???
We all have done something stupid.
She just wanted a new car. She probably thought she "deserved" it.
Cancel the wedding, get married just don’t do all that
I make $50,000/year and when I splurged on a car, it was a 2017 Chevy Spark, I got for $14,000 and I felt guilty buying it :p
Same, but for 12k for a Nissan versa
You payed 14k for a spark. You should feel guilty.
We'reAll GoingToDie 😂
I felt guilty making 55k yr. Buying 25k car. So i decided to give up my free time and picked up uber and doordash. And threw every single penny i made from rideshare on this car.
@@ALEXFVHS How much is your rent or mortgage?
Sometimes when I’m bored I go on Craigslist and see what’s the best car I could buy for $1000. You can really find some good deals. And even if it only lasts 6 months you’re still saving money over a new car payment.
Early 20’s and getting married was the real mistake
Jarjr222 mid 20s here, no debt , no kids, 4k$ saved, make 25-40k a year, life is good.
Lohst how old is mid 20’s?
@@carlkpsplucky5554 24-27ish maybe
People used to do it all the time, and they did it better than us too. Morals have changed. Find someone with good morals.
@@musicman1eanda yeah rent was also $800
Some people don't understand that when you have no money you have to make stupid decisions...like buying a car when you don't have the cash
lol this guy is amazing he is straight up with these people 😂😂😂
Dave keeps it real!
Sometimes it is not worth keeping a car that bleeds you $1,000 in repairs a year. But don't go out and buy a $20k car if you can't afford it! I just recently exchanged my 15 year old Buick Century for a 5 year old Kia Optima, and paid $11,500 in cash because that's what I could afford. Actually, the dealership's financing department was trying to convince me to pay down $7,000 while paying the remainder (with interest, of course) in $88 payments every 2 weeks! No, thank you! I prefer to be debt-free.
1000 a year is 90 a month.
buyers remorse is terrible . i did this once . hard lesson . but learnt a hard Lesson. never repeated .
she could have just done the repairs. plus that car is 9-12k and she paid 20k. why....
horacechin1 they put the old note on the new car
@@ben-and-maffy Well first things first, do NOT go to the stealership for anything unless it's covered under warranty. Another thing is that you're really complaining about maintenence at 100k miles? This get used and old, just like your truck and are bound to be replaced. And how long did it take for you to replace your starter?
I bought my truck for 400 bucks. 1999 Cadillac escalade with almost 200,000 miles. Fixed the steering and water pump myself. Boom no car payment for an entire year now.
I have the same yearly take home pay as this woman and I couldn't IMAGINE doing this 😳
$20,000 on a 2014 Ford Fusion?
People really need to do their research before purchasing such a moneypit!
The Fusion is a great car, but here's the problem. Rental companies have been working on getting these Fusions and now the resale value is far below what the car would normally be worth. But a brand new Fusion doesn't cost that much more for what she bought! Seriously if she needed a car that new and at that price, it's better to lease it.
I see this all the time. Kids working at fast food joints driving wrx's and sti's. Even people at my job putting 1000 down on a brand new 30k car. Just ridiculous
If you are working towards debt payoff, if you feel burnout in your second job, weather you drive uber / deliver pizzas , try listening to Dave while working. It works very well.
I feel sorry for her future husband.
Negative equity on the previous car
Should have bought 2 of those cars................. or maybe 1 50k car, for fun !! Heck, why not. A cruise wedding for 5k or 10k ( even better ) sounds great.
I bought a 18 grand car new, financed. I only make 30g a year. I feel like I made a good choice. 0.9% financing. I actually take care of my car so I can't see it being a bad choice for me for the next 10+ years.
The new car is worth it. Spending 20K on a new car is way better than getting killed in a little beat-up junk on the road in her 20s.
Buy cheap but realialble toyota or honda.They are good on gas .
The dealership knew what they were doing. The bank will auction that car off by the end of the year