My Fiancé Is $340,000 In Debt And Not On Board
ฝัง
- เผยแพร่เมื่อ 10 มี.ค. 2020
- My Fiancé Is $340,000 In Debt And Not On Board
Get a FREE trial of our life-changing Financial Peace University today: bit.ly/3dI2MF3
Visit the Dave Ramsey store today for resources to help you take control of your money! goo.gl/gEv6Tj
Ramsey Solutions TH-cam Channels (Subscribe Now!)
• The Dave Ramsey Show (Highlights): th-cam.com/users/TheDaveRams...
• The Dave Ramsey Show (Live): th-cam.com/users/thedaveramsey...
• The Rachel Cruze Show: th-cam.com/users/RachelCr...
• The Ken Coleman Show: th-cam.com/users/TheKenColem...
• Christy Wright: th-cam.com/users/ChristyWrig...
• Anthony ONeal: th-cam.com/users/aonealmi...
• EntreLeadership: th-cam.com/users/entreleader...
Did you miss the latest Ramsey Show episode? Don’t worry-we’ve got you covered! Get all the highlights you missed plus some of the best moments from the show. Watch debt-free screams, Dave Rants, guest interviews, and more!
Want to watch FULL episodes of The Ramsey Show? Make sure to go to The Ramsey Show (Full Episodes) at: th-cam.com/users/TheRamseySh...
Check out the show at 4pm EST Monday-Friday or anytime on demand. Dave Ramsey and his co-hosts talking about money, careers, relationships, and how they impact your life. Tune in to The Ramsey Show and experience one of the most popular talk radio shows in the country!
Ramsey Network (Subscribe Now!)
• The Ramsey Show (Highlights):
th-cam.com/users/TheRamseySh...
• The Ramsey Show (Full Episodes): th-cam.com/users/TheRamseySh...
• The Dr. John Delony Show: th-cam.com/users/JohnDelony?...
• The Rachel Cruze Show: th-cam.com/users/RachelCr...
• Anthony ONeal: th-cam.com/users/aonealmi...
• The Ken Coleman Show: th-cam.com/users/TheKenColem...
• The Christy Wright Show: th-cam.com/users/ChristyWrig...
• EntreLeadership: th-cam.com/users/entreleader...
![[ไฮไลต์] แบดมินตันชาย วิว กุลวุฒิ(ไทย) vs Kenta Nishimoto(ญี่ปุ่น) รอบ 16 คน | โอลิมปิก 2024](http://i.ytimg.com/vi/kaQRLljJkSI/mqdefault.jpg)
After listening to Dave for so long I've come to realize that most people aren't as wealthy or well off as they seem.
Yep. Behind many BMWs and Mercedes-Benzs is a lot of personal debt.
People tend to live well above their means, to try and look like they’re successful. Such as shame.
Welcome to the USA where people have everything but dont own anything.. a country full of people faking what they are not!
Yep
I thought of this the other day thinking about people at work with lots of "toys".
The camper, the boat, jet skis, motorcycle, multiple cars/trucks, etc. They don't own it, the bank owns it. It's a facade and they're in debt up to their eyeballs making payments every month.
Why cant we just say dont marry unless he's onboard with getting out of debt
you mean *out of* debt.
He did but u don’t wanna tell them not to get married if he’s still a good guy to marry, just make sure your onboard with getting out of debt first. Its what he said.
@@joshuamclean4588 but if the guy has 340,000 dollars in debt and hes 28 in the medical field who doesnt want to get out of debt isnt a "good guy" to date
She needs to be strong or they will get a Divorce!
Are you strong?
Dave should have asked her!
Dave went all around Jericho..
If the fiancé doesn't want to get on board tell him to go find his own boat! 🚢
Applico take out a loan and go all in on oil stocks, payoff debt with profits easy
@@ShaunbirKlair24 😅
I am sooo using that!
“He wants to experience life with $340k debt”
“Experience life” = get into more debt.
HEAT LIFER 😂😂😂😂😂😂
He's a doctor. He can pay it off later. No hurry. He'll have the money.
Excellent advice! I lived this for 28 years and my husband Dr’s debt, financial irresponsibility and excessive spending ended our marriage. I am now debt free after working 3 jobs and he committed suicide after his spending ramped up out of control and he couldn’t get out from under his mounting debt. Please listen to this advice.
I'm so sorry to hear this Amy. I hope the conversation about Physician suicide becomes more prominent in upcoming years.
Wow, that's terrible, but glad you are debt free and living life. Thanks for sharing.
A wedding can be postponed. Until he can step up, you step back. Don't make dumb choices for LoOoOvE.
He's the goose who laid the golden egg. She ain't leaving.
*Money is the leading cause of divorce. Talk early and often about money.* 😉
Marriage is just not worth it these days. It’s antiquated, just like the Bible/religion
Imagine loving someone’s son enough to take on their 300+K debt AND they want to “experience life” 💀💀💀💀
This is so true. A lot of doctors think they are the smartest people in the world. There is a difference between being intelligent and being financially literate.
hes in debt. he can't experience the life he wants. thats how it is.
Ya think ?
@@dks13827 well HE doesn't know that. thats why I had to say it like that.
asari shepard the easiest solution for him is take out a loan and buy up oil with all of it, he’ll make double summer time easy money
He needs 3-4 years of discipline. If they’re willing to live off just HER income (no woman’s dream but marriage should be a partnership) he can do it in a little over 2. Then their lives will be set.
Dave: "Because! You are calling me already!" Spot on!
Wait a year before you cross that threshold. Make him get active with Dave Ramsey - continue marriage and finance counselling. Good luck!
How about don't get married until the debt is gone.
"He's going to be a Doctor." Ohhhhh that's why she is riding this one out.
Get him onboard please, before you jump into a mess!
He’s broker than broke. Him becoming a doctor isn’t going to change that, especially with that mindset and that amount of debt
I pray this woman listens to Dave!
Woman think with feelings not logic
She won't. She wants to just get married. And the guy is going to be a "doctor" so she isnt letting that go.
Steve Oh Status. You are right.
read the title and was like: "Ex fiance"
At $340k he should experience paying off some debt. I can’t experience life being I. That much debt 😂😩
He should take out a loan and go all in on oil, he’ll make bank
But at least he has a big shovel. He just has to buckle down and change his mindset. Nonetheless, marrying someone with that much debt is asking for divorce! since the stats are against you!
It's because he knows he has a 300k+ starting salary waiting for him at the end of the training. Young physicians fall into this trap all the time. It really is a big joke/stereotype of doctors as Dave always says. After that many years of delayed gratification, many doctors want to drive benzes rather than the toyotas they've been in this whole time.
@D Richardson Perhaps you're underpaid. You don't need a surgical specialty to hit 300k. You're only 6 years out so you're not too old, which is why I'm not sure where you get the mentality that DOs can't get surgical specialties. Perhaps you're in a state where there aren't many DOs but the ones I've been to, there are many surgical DOs. I'm first year out, nonsurgical and I'm above that mark.
😜
"You're marrying a BROKE doctor"
there's a storm brewing! and this is going chew her up and spit her out on the side walk. get this under control
Samuel Leake 🤣🤣🤣🤣🤣
Unfortunately, I agree with every word you said. It's a shame. And she's so young too?! Poor thing.
Preach Dave! I was on the road to being a broke lawyer before finding your program. Dodged a bullet.
340k in debt, he is just graduating, meaning he needs 3-4 more years of residency which usually pays tops 90k. This sounds hardcore.
Try 60k...lol...and interest accrues at 10% for every year
@@JK20239 10 percent every year?! Had no idea it was that bad.
Joshua yikes 😬
No residency for osteopathic doctor
Even at 90k, if they live bellow their means and follow what Dave teaches they should be fine and pay it all off in 5 years.
Easy my dear . Don't get married , he's a broke Doctor.
Just completed baby step number 2 (Paid off 6K) I am now working on baby step number 3! Thank you Dave Ramsey!
My wife graduated from PA school in 2017 with about $120k in debt, but we already had our plan to aggressively tackle that debt, and only borrowed the minimum to pay for tuition (I took care of the rest of our bills via my job). Now, she's 3 years into her practice as an orthopedic PA, and despite having a household income over $200k, we still drive our well-used but well-maintained 2007 cars, and pretty much throw every extra dollar towards her student loans and our modest mortgage. Friends and family think we're kinda weird for living like we make far less income, but I borrow from Dave and reply that we appear "weird" because in the US, being up to your neck in debt is considered normal, if not good, and I really have no interest in being "normal" by that measuring stick.
So you need more than 2 years to pay off 120k making over 200k a year?!
Sell the car!!
(Joking)
@@angelikalaser7778 haha!
👏👏👏👏👏
@@angelikalaser7778 lol
Very good! 🏅
How are they paying for the wedding and I bet he whants the big house too!!!
Love the show Dave!
Thank you for sharing your wisdom!💕
She’s young!
D Jmnz very very young she is only 23
Ppl get married young.
You a man of wisdom!
Run.🙏
Women pick - and they do pick - some interesting partners. And there are plenty of doctors deeply in debt, living paycheck to paycheck.
Same for guys
Both men and women make terrible choices in partners. The gold-diggers, narcissists and idiots tend to latch onto the sensible, hard working people, making it much harder for them to find each other.
Many men AND many women do the same thing. You can't overgeneralize this.
Ramsey is exactly correct here regarding her husband. He is a "broke doctor."
There is however a much deeper lesson Ramsey is teaching here regarding intellect. Intellect is not wisdom. Her fiance doesn't have it as Ramsey is eluding to, and even expresses regarding many intellectuals generally. She better take his advice, otherwise that marriage may be short lived. Her fiance must change or that will be a huge problem later on in their marriage.
I'm actually reading a book about this called "Intellectuals and Society" by Thomas Sowell that explores this fascinating topic. I'll end with just one quote from book that highlights what Ramsey is saying here:
"Intellect is not wisdom. There can be “unwise intellect,” as Thomas Carlyle characterized the thinking of Harriet Taylor, the friend and later wife of John Stuart Mill. Sheer brainpower-intellect, the capacity to grasp and manipulate complex concepts and ideas-can be put at the service of concepts and ideas that lead to mistaken conclusions and unwise actions, in light of all the factors involved, including factors left out of some of the ingenious constructions of the intellect." Thomas Sowell
Number one is lack of communication, not money.
Good advice on this one.
Mr. Ramsey's words about doctors that are brilliant otherwise, but cannot manage money properly -- it's so true. Doctors or former doctors are one of the worst money managers ever, either personal or business. I don't know why. But it's very very true.
RUN!!!
not a fan 🙌🏾
Can someone please tell me how this video has dislikes? This was very good advice and Dave still gets an unlike. Great advice from Dave and I wish her the best. God bless.
Someone that much in debt you do not marry
Jase Tyler 🙌🏾💯
Girl!!! Former fiance..life is too hard for that S_+_!!!
My friend is a med student and he’s already wanting to give up on paying his debt.
340k isn't bad in itself. But "wanting to experience life" is pure entitlement and a red flag.
Some people like spending money more than they like earning it. Don't attach yourself to a pompous boat anchor.
If she marries into that much debt, she’ll be miserable
I think the biggest problem is that a lot of people with this type of debt actually have no intention on ever paying their loans back.
Run dont walk away!!!!!! You will have this fight for the rest of your life. Run run run!
We need to start sponsoring doctors they are way too important to ignore
I think people are way too negative on the doctor. Getting a medical degree costs a ton of money. So his being in debt isn't a big negative. At that point you're looking at a 28-year old who may have been living on beans and rice the past several years and would like some steak. That makes him...normal -- and young. It seems very fixable.
you're dumber than he is
Husband wants to spend money he doesn't have
calling a divorce and an alcohol problem in 4-6 years
Run!!!!!!!
I have a green car. I am re-painting it.
Dave: DL I don’t know what that is
Me: me neither Dave
Her: its a sogjdhdowkffhdjeowdfdk doctor
Dave:ooooo I see
Me: what in tar nation is she saying *flips table
Torryx osteopathic doctor
It sounded like she was saying DL but she said DO, Doctor of Osteopathy
This made me laugh too hard lol
he's on the DL she said.
😂🤣😂🤣😂
Run!
This lady and her D.O. need to get on the same page before the “I do”
They won’t stand a chance if they can’t agree on money before getting married
Getting married to a doctor isn't the best idea, even without the debt.
Dave you be a good man and pay off his debt. The secret philanthropist .
Same page or no I do....
Another problem with smart people - they can out argue anyone - whether they are right or not.
What are the members only Perks for Joining?
300,000 fkk daaaaaaat
People saying dump him probably live sad single lives. Me and my wife have student debt but she is a doctor and I’m a lawyer. You work hard together and pay it off. But it’s important you are both on the same page.
-What is your husband’s name?
-Broke Doctor...
Adil Alfa 😄
If a 15 year old gets a job in retail and works his way up with the same company and never goes to college, he may be better off than someone like this.
Average salary = $213K, ~$300K/yr mid life,
That 15 year old will eventually hit a ceiling, requiring a MBA
Barry Boppins bro word. I’m good with dying at 60 it’s more about the quality than the quantity.
4:38 I know that language to well
She see his income potential 💰 💰🤑. She’s staying with him no matter what.
Shad 100% agree
BANANAS!!! This guy needs to grow up!
His earning potential is astronomical. Theyll be fine.
Did her fiancé dislike this video twice?
She’s like won the lottery, stay at home mom and never work a day in my life again!
What a boring life to live.
She wants to be a full time baby making mama!!
If you think being a stay at home mom to little kids isn’t working then I’ve got news for ya....it’s freakin HARD work. It’s not for everyone but it can be incredibly rewarding as well.
Yup and that's why she worried about his debt.
@@aileencrane7700 I think the caller does not either
Anyone know what a DL is? Do they infact have a big shovel?
Its DO . . . Doctor of Osteopathy.
A D.O. is a Doctor of Osteopathic Medicine degree which is equivalent to the M.D. degree in the US.
i don't understand that. "osteopathic medicine" sounds sort of like a scam-y type of medicine like holistic or whatever. guess i need to google it
ok, yea, looks like you're right. was interesting to read about
@@isaachaze1 There is nothing scammy.. people just have not heard of it because we are a smaller group within the physician/medical community. There are about 30 of DO medical schools compared to 100+ MD medical schools. But we are everywhere, and many people don't even realize they are being treated by a D.O. There is not much distinction left between MD and DO's nowadays with the recent merging of our two training organizations.
i thought he said green cards instead of green cars! 🤣🤣🤣
Cancel that wedding!
Can she? Sounds like she’s in it for the long haul
Once he finishes his residency he can work and open his own practice. He can go in the military they will pay his loan off then. He has to commit for a couple of years.
What exactly is the earning potential of this DL?
Any new doctor is going to have a lot of debt but they make it in the end. Takes a long time to pay the debt back then you get to start your house debt etc etc
Sell the fiance 👍
Best comment ever 😂😂😂
You better make sure you make a big deal about this now, while you have a chance.
Wedding expense will add up to that 340K debt if she don’t listen. I really hope she take Dave advices.
RICE: no beans, just RICE.....however she might be wanting that doctor mansion.....good luck
i also like daves pay it forward mentality "i am losing money on this transaction but one day you might help another young doctor"
Hannah. Why? Just why? Bless you, my Sister. As you get older you'll know better...you'll learn.
She might have to learn the hard way though. That’s too bad.
Why do fools fall in love - Frankie Lymon & The teenagers
DL doctor in what?
four years of osteopathic medical school for $340,000?
Where’s the part where she’s supposed to get a 2nd job and pay off his debt? You know, if it were the other way around.
A part time job isn't gonna change 300k of debt... and dave is old fashioned
Right now she isn't supposed to be paying off any off his debt. They aren't married.
Vydio They’re about to get married though, unless I missed that part.
@@rolandoflores2806 About to get married and married are different things with Dave. Besides, with over $300,000 in debt and the main holder of the debt less than enthusiastic about paying it off her getting a second job isn't going to make much of a dent in the problem.
Why isnt Dave saying what he always say 'Until debt due us part, once married the debt is ours'.... once again Dave SIMPIN...
So grateful to be single and carrying $0 debt.
It will be a minimum of 3 years post medical school before he starts making some real money. Then you can expect another 3-5 years to really pay off the debt itself. If they both get after it, they will be just fine. If he wants to start living a “doctors lifestyle” as if he’s making $250K a year right away, they are sunk.
This is a difficult one because he's going to have a massive shovel in a couple of months. She will learn how much he respects her very soon.
He could pay off this $340k within 5 years easily. At least they're already in counseling, so there's hope.
@Sir We Are About to Die Then you should stick to celibacy or paying prostitutes.
You don't have to be a simp to be in a long-term relationship or get married. But you do need to respect your woman in the same way you'd respect a business partner or valued employee.
Otherwise, there's no trust, no commitment, no growth, no co-dependence and you actually are vulnerable being cheated on, lied to, or milked of your assets and will to live.
@Sir We Are About to Die In the US, perhaps. Luckily, other parts of the world are much more civil.
run
Hope that young man listens and follows this advise. Making the wrong decision here could be costly in many ways. Wish them well.
Runnnn and avoid this periodt... You are gonna pay for this for the rest of all your lives..
The fiancé would be on board alright.
DONT DO IT.
It's wonderful that he will be a doctor helping people and making good income. But because he's not on board, hold off the wedding. You'll ended up being stressful.
He will never pay it off. Get on a paymt plan and live your life dude. If you come into extra money... great. Throw that to the balance. As your salary grows. Etc etc. You will still be able to buy a house and other things. Live your life.
Is "live your life" code for "be a wuss" in your world?
Dave BBQing this guy 😂