$300,000 In Student Loans and Nervous About the Future!

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[@mikesmith-wk7vy]

Dave doesn’t even flinch anymore when someone tells him 300k in student loan debt because it’s becoming so common

[@ro7601]

Ya he stopped saying “Good Lord”

[@PInk77W1]

My daughter asked me when she was 18 can I help her with college. I said on one condition. No student loans. She agreed. Fast forward 6yrs later she has a masters degree and $0 student loans

[@Aaron-nw7qx]

@@PInk77W1 good parent. Theres no point in getting your kid in debt just to teach them a lesson

[@PInk77W1]

@@Aaron-nw7qx plus I’m a high school drop out laborer. I don’t know anything. I just knew student loans are no good.

[@adrianmechelle3784]

Live on his income and use all of hers to pay off loans the next 3 years.

[@steelcastle5616]

She's got 300k in student loans and he's making 60k (70k with bonuses) with no loan debt. He should be nervous about her.

[@az21bob666]

yea i like you need to get this paid down a lot before we get married

[@dhenderson319]

​@az21bob666 yeah as a woman I would feel guilty putting that pressure on someone else She should atleast have a bunch of that paid down before they get married because that's her debt But I'm not married so what do ik😅

[@SeniorNI]

She’ll be making 500k more than him over 10 years Probly more . If he’s with her for 30years. She’ll have significantly contributed to the joint financial lives. I’d take 300k debt today to make an extra 70k a year for ever

[@steelcastle5616]

@@SeniorNI Then you should marry her.

[@SeniorNI]

@@steelcastle5616 can’t mate married lol also in UK. but I’m just running the numbers he’s winning. Not saying it’s right but in society’s eyes she has more value than him. If she just paid the interest she brings more to the party than him

[@xxAl99xx]

He's probably scared to get married! He'd be signing up for that mountain of debt!

[@knightfox4121]

Right. I don’t think anyone regardless of what they have to offer is worth taking on 300k in debt for.

[@xxAl99xx]

@@knightfox4121 Exactly. Before entering into marriage, I believe both parties should be "equally yoked" financially speaking. This scenario could very well build resentment in the man. Homeownership and starting a family will definitely be delayed because of it, so that is something to consider.

[@dcg590]

As he should be because as soon as he’s done paying it off she will divorce him

[@pep590]

That was my exact thought at first.

[@eclipse.5295]

@@dcg590Or the other way around

[@iBryanDBrown]

I turned down a girl who had $350k in student debt and she wanted luxury cars and clothes. I couldn’t do it! You just can’t romanticize debt.

[@jackcoleman5955]

Run, brother. RUN! If your lady has a humble heart, and a repentant/committed attitude and will WORK to clear the debt, with a transformed lifestyle…maybe… But otherwise that is a train to grief. Good work there.

[@reese85]

What did she go to school for?

[@sendit3251]

@@reese85 left hand puppetry

[@meganmarie4289]

@@reese85 pharmacy school. Didn’t say what her undergrad was.

[@MarksTournaments]

​@@meganmarie4289 lady hes asking about the op

[@user-iz6nc1ul1w]

Get your popcorn ready, we’ve gone 3 years without these kind of calls, now that student loan repayments start back up again they’ll be back

[@kensmith2796]

The Ramsey show has not stopped taking and posting these type of calls. They are the ultimate click bait.

[@RS-xq4hf]

I graduated pharmacy school last May with $275k in debt!!! So devastating. So I started paying on my loans in January and they will be down to

[@samrusoff]

Well done if that's really true

[@thelovelykimmi7920]

Same! Congratulations fellow PharmD ❤

[@arh1234]

Gazelle intensity! You've got this.

[@gourabsarker9552]

Sir how much do you earn now as a pharmacist? Plz reply. Thanks a lot.

[@dcg590]

Awesome! You can do it, stay on your purpose. Good luck to you in your future!

[@spatty2589]

He doesn't want to pay her debt. As soon as she gets married and pregnant she's going to want to be a stay at home wife. She need to get this debt cleared before she gets pregnant.

[@natalieackon4457]

Wait did she say she wanted to stay home after having her baby?

[@jordynb1024]

@@natalieackon4457even if she plans to go back to work.. once you add up daycare, diapers, and everything else that comes with a new baby… they’re just going to keep plunging deeper and deeper into debt

[@thetruth5635]

Dave went from rice and beans to tuna fish 😆

[@JakeStewart1343]

Day old bread too 😂

[@lateshachurney5965]

Can have more then that

[@Astro95Media]

This is a big part of why I paid off my debt before I married my wife. I wanted to head off anyone's ability to say "He married her for money" (she's a doctor). I made my final payment six weeks before the wedding. Now we can do whatever we want ... together.

[@roolyfe]

What type of doctor 👩‍⚕️?

[@rnt45t1]

simp

[@JakeStewart1343]

​@@roolyfechiropractic

[@Astro95Media]

@@roolyfe Pediatrician.

[@jimroscovius]

Great plan!!

[@changemymind2021]

He has no debt? Then run like hell from this woman!

[@JakeStewart1343]

Help her pay her loans off and she'll run from him with her 2x salary 🏃‍♀️ 🏃‍♂️

[@Dan-440]

Agreed, but she is probably hot. Young men often choose poorly when involved with a beautiful girl.

[@AngieMcdonald-fu9nh]

Agree that 300k isnt just tuition. Shes been living well of those loans. And shes going to get pregnant within 12 months if the wedding and he will spend his life paying off that loan.

[@johnallen3497]

I have no idea why anyone would marry someone with this much debt

[@ChrisBoulas]

"We're scared to get married" means "my fiance is scared to marry me."

[@kayn2756]

My good friend was an RN for 5 yrs and decided to go to pharmacy school and gained 250k in student loans. Fast forward, instead of paying down the debt. Gets married and quickly buys a 450k home with less than 20% down in 2020. Then buys a 60k Mercedes and takes expensive vacations overseas twice a yr. Did i mention he also had 40k in CC debt? I just can't 😢😢😢😢😢😢

[@lagarde2011]

I wonder if he's even making more money as a pharmacist than he was as an RN. I know a lot of people in this kind of situation and I don't understand the mindset. They could be in denial or just clueless. As interest rates increase, people with debt will really be in trouble.

[@texasmimi5566]

It's all about priorities. He sounds like he has to prove himself to not just others but himself as well. Ego will get you every time..........

[@kayn2756]

@lagarde2011 he definitely is making more. Coz we nurses have to rely on OT to make good money. Pharmacist don't. He only did nursing because he needed a quick career so he can support his 3 younger siblings who were in High school when his mom was diagnosed with terminal cancer. He was paying the bills and took care of everyone. The siblings all finished college before he went to Pharmacy school.

[@michaelb.8953]

RN's can easily make almost as much as a Pharmacist depending on the kind of RN so what was the point of him spending a quarter of a million dollars to make maybe just a little more money other than paying for a title to flaunt some prestige, besides he lost all kinds of opportunity costs while he sat in a classroom making zero dollars for years. That looks like it was a very bad investment especially since it messed with his head and he's spending away the gains.

[@hairypokeballs1572]

Bad investment to go back for pharmacy. Depending on where you live, RNs literally make as much as pharmacists and even more with very little OT. Can easily get 6 figures as an RN in a handful of states with minimal OT.

[@tylerh8230]

I had 149k after pharmacy school and it freaked me out. Paid 2k to 2500 a month for 9 years. Wished I would have lived with my parents at home for 3 years after and just paid it off. Instead did the usual bought a house cars tractor etc. dragged it out. Found Dave too late. Do it right pay it off like crazy. Saves crazy money in interest. I paid 40k in interest over 9 years.

[@Dan-440]

In 92, I borrowed 4500 bucks to go to truck driving school. I paid it off in 4 months. I truly feel for these people. I believe schools would become less expensive if it were harder to get these school loans.

[@enhancedutility266]

It was until the government had their hand in the student loan business

[@dcg590]

Nope, they chose to take out loans. No one forced them. Stop trying to blame someone else for their choices.

[@Excalibur2]

​@@dcg590it makes sense to take on that kind of debt when it practically guarantees a $150k income.

[@flyyyj]

The problem is if they didn’t allow the loans we’d be even more dependent on foreign countries for lots of medical professionals and the shortage of doctors/nurses etc would get even worse because almost nobody can afford to pay for those schools…

[@oglocbaby520]

@@flyyyj A lot of people don't realize that college/university became a money making scam back in the 80s and 90s. Regan passed the affordable education act, which basically lead to federal financial aid as we know it. Think of this, you have all these fresh out of high school kids that not only want to go to college but now also have the funds to do so. The colleges, well aware of this, recognize it for the opportunity it is and take advantage of it. College doesn't have to cost 6 figures and it also doesn't have to involve getting some useless degree either.

[@ryangardner7709]

When she said she was $300,000 in debt, I yelled out no in my living room!!!

[@Cauhauna]

As she concluded the call, I thought “she’s not gonna do it” and at that moment, Dave called her out 😅

[@annetraut8247]

I’m more concerned that she has been out of pharmaceutical school for 3 years already, while student loan interest has been on hold, and she still hasn’t made any progress on that student loan. Where has her 6 figure income been going the past 3 years?

[@tonytoni1150]

Shopping, $10 coffees, Hobby Lobby, Target etc..

[@texasmimi5566]

@@tonytoni1150 The latest and greatest phone, vacations, dining out, the list is endless of where one can just throw away their money and make someone else wealthy.

[@TheAustrianPainter87]

Apple store and Starbucks. There's also likely a Tesla in her driveway

[@dc76384]

Bingo!

[@Avendale]

She was hoping (like millions of other people) that Biden was going to "forgive" her student loans.

[@firstnlast]

They’re not getting married because of taxes. She doesn’t want his income on her joint taxes because her student loan repayment program is based on her income alone. I’ve heard of others doing the same thing.

[@bigt1114]

I am 67 years old... Retired... Social Security..Pension... Investments .. doing very well.....debt free ( except for my home ....but only owe 90k) and I'm AMAZED how "casual" these young people are about debt?!....300k at 30❓❓....no Man should Marry into that nightmare...B1

[@Project-Masculinity]

Agreed, however going into retirement with a mortgage isn’t a good thing buddy, 56 here, on baby step 6 , looking to pay off one of my properties mortgage in the next ten years

[@tcgtpl]

Simpin’ ain’t easy.

[@hrstories2]

@@Project-Masculinity With a $90K owing I am sure he is paying around $500 per month. Still not bad. My grandma is the same age and has a $2000 per month mortgage and her ss is only $1200.

[@Project-Masculinity]

@@hrstories2 Okay, all I’m saying is get to DR baby step 7 before retirement

[@drcatrinaking]

$300k at 30 and she already makes $122k. Not sure you're doing the math here... in 10 years she could easily be a debt-free millionaire. AND she'd only be 40.

[@asnmdnss]

Shes not gonna do it. They'll be in debt forever lol

[@MikeNapoli1989]

Yeah

[@JakeStewart1343]

Sacrifice is hard 😢

[@Originalman144]

They? He’s not married to her. Not his debt

[@everlastingprosperity5137]

Hopefully he follows his instincts and runs !

[@gbb82]

I cannot understand how people who are so gifted intellectually, who graduated with advanced degrees, start earning six figures right out of school, could be so financially illiterate. I never earned six figures at any time in my life and I am still financially independent after retiring at age 60.

[@tahirhaq9627]

Boomers don’t understand money. At your school age years you could live off minimum wage. Even making a 100k can’t even get you a house now.

[@jimroscovius]

​@@tahirhaq9627Yes, it can. You can find all kinds of good houses here where I live while living on $100k. Don't live in a place because of climate. Live somewhere because of cost of living.

[@jimroscovius]

​@@tahirhaq9627I'm a boomer and I understand money WAY better than you do!!

[@gbb82]

@@tahirhaq9627 You can afford a house earning 100k in most places in the US. Maybe not New York, San Francisco, Austin or Los Angeles, but you can make it work.

[@David-wo9un]

⁠@@jimroscovius love how people throw out the label “boomer”, I honestly don’t think they understand that the term doesn’t apply to everyone ten years older than themselves.🙄🙄

[@Shay-yg7nm]

I would never ever marry someone with that amount of debt. Nobody is worth that.

[@dcg590]

She keeps saying ‘we’. No. He is scared. He knows when he’s done paying it off she will divorce him. Why should he take that on? Dave is biased saying he should. That’s so unfair to him. He needs to run for the wind. Find someone he doesn’t have to dig out. Awful.

[@roolyfe]

I don’t think Dave would be so nice if it were a man with 300K

[@tcgtpl]

Simpin’ ain’t easy.

[@TheAustrianPainter87]

​@@tonytoni1150 He thinks it's 1953. When the girl next door didn't have 20 bodies by age 20

[@9StickNate]

Exactly! What’s the divorce rate In the US? Roughly 50% it’s a little higher with partners that have a college degree. That’s quite the gamble.

[@mbank3832]

dave love sniffing women's odor hard, that little old simp lol

[@aarongonzalez0531]

The moment she gets pregnant, she will be a SAHM. This dude needs to run…NOW!

[@Project-Masculinity]

Agreed, depends if he’s a Soyboy…

[@roolyfe]

I was thinking the same thing!

[@handleyobusiness]

Exactly. Most women choose their kid over a job, regardless of their skill or degree level.

[@tduck828]

Exactly. I have several friends with mountains of debt and they stay home. Why take on all that debt and them stay home? That's D-U-M-B as Dave says.

[@front331]

SAHM- Subarachnoid hemorrhage moment.

[@jumpingjake123]

My wife and I got married at the age of 22 & 23 in 2017. We made $100k-$150k. We paid off $58k of debt in 10mo, and saved up $300k for a home down payment in the following 4 years. If you're willing to scratch and claw, sacrifice and delay gratification. I'm here to tell you it is possible! Forewarning though, there are a lot of emotional ups and downs on this journey. If you can handle it, you will strengthen your mental fortitude once you come out on the other side. Never forget God is in control the whole time.

[@DB-bw5fz]

Couldn’t agree more! My wife and I did very similar thing, with the exception that we started out together being completely debt free, and each with a decent amount in each of our savings accounts. Fast forward to today, we have kids, a paid off house, and money in the bank. People thought we were crazy for doing what we did….but now we’re sitting very comfortably financially at a time when many others are concerned about cost of living increases….which for most people is code for “rising payments due to rising interest rates”. After all, paying an extra $100 a month for fuel, or $200 a month more for groceries is a lot harder to do when you also have to pay $700 a month more on servicing your debt due to the rates having increased.

[@nealp885]

What do you guys do for a living?

[@jumpingjake123]

@@nealp885 I am a project manager for the Navy and my wife worked in marketing for Christian non-profits (now a stay at home mom/Real estate agent serving in western Washington)

[@Originalman144]

Your numbers are completely different though. Not even close to the same situation

[@jumpingjake123]

@@Originalman144 can you elaborate?

[@jeremylewis5154]

Dude is not getting married this weekend and he keeps asking about the forgiveness because he doesn't want to pay that astronomical student loan debt. Imagine going from being a debt free single guy making 60k plus bonuses to tuna fish and working 24/7 to pay her debt off for years.

[@JP-uy9kq]

tuna fish? I think you mean a sh!t sandwich LOL

[@PInk77W1]

They can live off his pay And use hers to pay off debt. But will they. LoL

[@smokeyhat]

That dude is smart, he doesn’t want to marry into that. He messed up by proposing, IDK why debt is romanticized when the possibility of divorce means he risks losing half his assets on top of whatever he helped pay into that debt. In short, marrying this woman with that debt HORRIBLE IDEA.😐

[@Originalman144]

He’s already likely getting all the “benefits” of marriage anyway. Why get the tax man involved at this point?

[@PInk77W1]

Simple Pay off your debt Then we get married No risk all reward

[@tsaunders4684]

​@@PInk77W1 There is still risk especially if she file for divorce a few years down the road and take 1/2 of his retirement, crypto and other Investments he has.

[@adamseidel9780]

He’ll win in the long run with her greater superior income. In ten years she’ll be a sugar mama!

[@aolvaar8792]

Half of THEIR assets, all assets prior to marriage should have been protected

[@mannyjeanpierre4062]

She'll get pregnant in a year and want to be a stay at home mom. We've heard these type of callers before unfortunately

[@tonytoni1150]

Racks up a mountain of debt, just to be a stay at home mom. Why get the degree in the first place??

[@Project-Masculinity]

DNA test your children… high possibility they belong to Chad or Tyrone,…

[@aolvaar8792]

@@tonytoni1150 we have moved away from the 18 yr old marrying a 35 year old man, and becoming a stay-at-home mom. But we are going back to that, 66% of men in their 20's are without partners.

[@bigteeist]

You're 100% right 👍🏾

[@hrstories2]

He should be the stay at home parent. She can't afford to stay home

[@fortunateson2]

The advice this channel gives about getting married is ridiculous. Why should a man with zero debt marry into $300k worth of it? Wtf? Dude needs to run away and run fast.

[@alqoshgirl]

Last I checked this dude is sleeping with her and proposed. Why are so many pathetic men like you void of any moral standard and pretend like there a gun to your head to be married to anyone. He could’ve left her a long time ago. He didn’t, then he should be marrying her and be a freaking man instead of a wimp

[@marcenelj]

Actually, her debt is 320.

[@ThePeanut12300]

It’s Ramsay’s Christian boomer mindset talking. You are right have them pay for the hole they dug themselves first or just run

[@XennialGuy]

... and climbing

[@kayn2756]

😂😂😂😂😂 I couldn't agree with you more.

[@liberalmadness7248]

This man would be a fool to get married prior to her paying off this ridiculous debt! Men, STOP complicating your lives!!!

[@alinatamashevich3354]

Shout out to the Coach gang.

[@EricAndradeMusic]

Dave is nuts. Debt should absolutely be a deal breaker in a marriage. Why would I sign up to fix someone else's mess? NOT HAPPENING.

[@crashtestdummy1972]

I think it would be their attitude about it. If they dont care and just try to bury it, RUN lol. But i feel if they are hammering it out before you get married i doubt that debt will be an issue if you are married

[@EricAndradeMusic]

@@crashtestdummy1972 I could never. No matter what she's going to expect you to help her pay. But if it's the other way around, I'm sure she wouldn't want to help him. The way women treat money is different than men

[@crashtestdummy1972]

@@EricAndradeMusic bro, id run from a woman who does that to me. A good woman would not do that. I can speak from experience, both sides of that coin! Hope you find a woman who will never treat you like that Brother!

[@soonermagic24]

@@crashtestdummy1972agree. I took on my wife’s debt when we got married. We worked hard for two years and knocked ir out as a team. Now we save as a team. Marriage is wonderful if you are on the same page

[@randymillhouse791]

Maybe she ..... you know....

[@DBragg2124]

Living on $50k a year is NOT living broke. Or else, I've forever been broke. My wife and I live pretty comfortably.

[@steelcastle5616]

I'm sure she wants to maintain her 120k lifestyle while paying off her 300k student loan and having the "wedding" of her dreams. Like so many, she can do the math but she just doesn't want to do the work.

[@PInk77W1]

I make $50k But I’m retired with no debt and a paid off house. Life is good.

[@alinatamashevich3354]

@@PInk77W1 There you are! Stranger!

[@jamsstats1700]

Depends on where you live. Some places have a high cost of living

[@chapinachango8002]

Where on earth do you reside in? In Los Angeles CA, $50k a year is pocket change living on tuna fish. Especially if you need to budget in gas prices if you’re commuting to work 1 hour for a 15 mile drive. You’re living with roommates in a 2 bedroom apartment IF it’s decent quality. Most property managers out here are too cheap to upgrade apartment with decent counter tops and cabinets, HVAC systems, and kitchen appliances. 😂

[@brittanyhuffracker149]

The ending had me rolling 😂😂😂

[@PInk77W1]

Yeah Dave just called her out “She ain’t gonna do it” lol

[@harrisonwintergreen1147]

Lol 😆 when caller said "he has a limited credit history " like it was a bad thing. Settling the score to minimize her massive debts and irresponsibility

[@lady56725]

Dave: go get married this weekend Her fiancé: Not happening 😂😂

[@axelfoley1812]

Lol😂

[@stockpile2137]

I dropped out of college with $15k student loan debt. After dropping out of college, I started my mentorship program in 2D/3D Design. Students usually pay $60/year to learn this profession but I pay $1200 every 3 months. I refuse to marry a woman who have massive student loan debt. Pay it off.

[@avacago22]

You mean animation students usually pay $60,000 per year?

[@stockpile2137]

@@avacago22 a lot of the 4 profit art schools charge between $30k-$60k for the 4 years

[@VuQuang1973]

I am working two jobs to pay for my son’s college. I wanna make sure he has no debt after graduation.

[@VuQuang1973]

@@marlyceI’ll be fine in my retirement because I save money for it. He’ll have to take care of his own family.

[@handleyobusiness]

@@VuQuang1973Proud of you and yours!

[@TheAustrianPainter87]

Make sure he doesn't marry into debt. Actually make sure he doesn't marry

[@InternetUser._]

Tell him to apply for scholarships. There’s so many of them out there and nobody applies for them.

[@michaelhooker980]

I hope ur son is working. I have 9 kids 8 college grads never paid a dime for their school. Let them pay for school. It makes them very self reliant.

[@BagsNBaguettes_327]

As soon as this man helps pay for her student loans, she will get pregnant and not work. As a woman, I wouldn’t expect my new husband to help pay for my debt, especially 320k 🤦🏻‍♀️

[@djpuplex]

Thank you for acknowledging that. Most men are picking up on that as well.

[@sendit3251]

Tania where you at? Need a woman like you

[@BagsNBaguettes_327]

@@sendit3251my husband would agree 😅😂

[@natalieackon4457]

I agree definitely wouldn’t want my husband to be buried with that. But you are assuming she wouldn’t want to work after giving birth.. she didn’t say that in this video so where are you getting that from?

[@djpuplex]

@@natalieackon4457 She doesn't have to say it. Watch the Ramsey enough you'll hear them call in.

[@yoshit9819]

My pension is 115,000. I have zero debt. Zero mortgage. Zero car loans. It feels good to be able to breath. Thank you Dave

[@msbrithorton]

I always love seeing the dynamic between Jade and Dave! Also, Jade looks AMAZING here! She is one of the reasons (among many reasons!) why I love watching this show!

[@TheTurdballs420]

I want to live in the world Dave has created in his head where taxes don’t exist! 🤣 It must be glorious there

[@LittleMopeHead]

He hates taxes, but he doesn't include them I'm guessing to simplify thing on the show.

[@ParkerBG]

5:34 🤫

[@alinatamashevich3354]

@Jim, they vary so much, it would be impossible to run numbers in a 4 minute call. Your mileage may vary

[@TheTurdballs420]

@@alinatamashevich3354 so just disregard them completely and run projections that are about 50% off target. Yeah, that makes wayyyyy more sense 🤦🏻‍♂️🤣🤣🤣

[@ParkerBG]

@@TheTurdballs420 I like how you’re disregarding my time stamp showing how you’re wrong 🤣 and he’s not off by 50% you half wit. Assuming the final income of about 225k with the overtime he told them to do, their income will be about 160k take home not 175k.

[@TheVelvetLoungeLife]

If at $120,000 she cannot figure out a plan to pay off her debt she just deserves to carry it around like an anchor. She's simply needs to lower her expenses to the bare minimum and she can pay that off within four or five years if she really wanted to by paying more than the minimum payment.I understand why the fellow does not want to suddenly take on such a burden. But that also means he is not willing to do the until death do us part thing. Therefore, she should definitely move on live her life and he should definitely move on and live his life as well.

[@jray9661]

Currently working my ass off to pay off my last debt of 6200 which is my car. After that I’ll be happy to start the 3-6 months of savings

[@jray9661]

@@atrain9610 absolutely just keep your head down and keep grinding and stay true to the cause. It’ll be over in no time

[@pep590]

Good job! You can do it!

[@jray9661]

@@pep590 thank you!!!!

[@OTOWN2STOCKTOWN]

Nuthanggg! Drop that beast like a bad habit!

[@PInk77W1]

U smart

[@andreia.inacio]

Me eating my rice, beans and canned tuna at work while watching this 🥳🥳 feel fancy too cause i boiled an egg and diced some onion to make it high end 😂

[@Whiskey_Jane]

Thanks for sharing the stats Jade, It helps with perspective. I knew I had to wait to make responsible choices with children. Now I'm financially much more stable to consider those things. Many friends in high school went and had the kids young. I mean to each there own but I feel much more sound myself in doing the waiting. 💜💜

[@cutenobi]

That’s as much as a house.

[@MikeNapoli1989]

Right !!!

[@jas4925]

I don't understand how so many people get scammed by these universities. I saw it in the early 90s went to community college and from there used the tuition programs at my jobs to finish my bachelors. This conundrum is nothing new.

[@kensmith2796]

I must confess I agree. I also graduated high school in the early 90s and attended college before there was internet, reddit and google to research things. And, even then, I knew to avoid useless majors and high tuition. I started at a community college and then went to the state universities and received degrees in very high demand fields. I do have empathy towards the younger gens that find themselves in these situations, but can't figure out how they end up there when they have access to so much information and statistics online about degrees and outcomes.

[@FlansyLinny]

I would rather make 70 with no debt than make 120 with debt

[@mouthofpower8492]

He’s signing for a Lamborghini… and the court will destroy him if they get divorced. This would be insane for the man

[@alinatamashevich3354]

More like a worn out Buick, on a tote the note lot

[@cantgetright742]

He should run for his life

[@shandemaio8902]

At least she seems to be truly scared of the mountain of debt she is in. I commend her for being brave enough to call Dave. I hope that she can face it head on, work hard and not let ego get in the way of paying off all of that. I wish her all the best. Pharmacists make good money!! Hopefully she makes good decisions with it!

[@jragon9215]

If she does the combination of divorce, alimony, and child support like 80% of women do then she can just dump the debt on him like what most women do….

[@nicholeknight1893]

He better not marry her. She needs to get it together first. She is not going to listen to anything he says

[@JesusisLordgh8j]

Don't get married until your debt free because if you get married thats just additional stress on your marriage.

[@David-wo9un]

I do enjoy this channel but there are double standards abound; I don’t believe they would ever encourage a woman(who’s debt free)to marry a man with a mountain of debt.

[@johnf5245]

Get married?? That guy needs to run.

[@curiouscat3384]

I'm old like Dave and remember paying about $750 per semester at in-state at UNC so it was not impossible to support myself and pay tuition with cash. It's hard to accept that now, in-state annual tuition in North Carolina is about 28,000 for 4year undergrad. That's not including fees, books, living expense. Out of state is double that! So these people with $300K probably went out of state or private schools and financed the whole thing

[@catherinn.951]

Dave’s answer is to share her debt burden to her future husband…. While they split bills. In her future husband’s shoes, I’d say “no thanks, I can wait until you clear it”

[@FortuneSeek3rz]

While waiting for this lass to get her head screwed on straight I'd be thinking about a good solid Plan B in the relationship department.

[@JegtoDFW504]

In other words, Dave’s plan is for them to live on his salary and every dollar she makes plus side hustle on the debt for 24 months!!! No way.😂

[@TheMichelex20]

Dave is wrong. The public service loan forgiveness program has been revised. I got forgiven for $131k. She should go ahead and apply while continuing to pay off the loan and see what happens. She already has 3 years maybe more if her undergrad loans qualify. I need Dave to get educated on loan forgiveness.

[@commonsenseisntcommon1776]

Dont take loans you cant re pay!

[@jackdaniels5134]

That's not true. Dave Ramsey took out loans that he couldn't pay and ended up filing bankruptcy. Why can't I do the same?! 🤔

[@thejakelegion]

I would never marry someone with 300k in debt. Never.

[@Fennergrad]

RUN dude RUN. Do not marry that debt.

[@lady56725]

😂😂😂

[@DC-rd6oq]

Dave's math is almost always off. He said $225k less $50k plus taxes on $175K and you're debt free in two years. Basically he's saying they'll have $150k/year to put towards the debt. That's wrong. They're lucky if they net $150k/year after taxes.

[@akramdinzly7777]

I love this channel.tq Mr Dave

[@MichaelHall-qo7ce]

Horrendous advice. The right advice would have been show your boyfriend/fiance that you are serious about paying off your 300k. Whether in a year you now owe 225k, 2 years 150k etc. He better hope that nothing ever happens to her, or if she changes one day and doesn't feel like it anymore and he is holding the bag. I would never, ever EVER tell a friend or loved one to marry a woman with 300k debt with no proven track record to show she is aggressively paying it off. Talk about marriage once she shows a commitment. Hopefully her boyfriend will think this through, shame on Dave Ramsey for this advice.

[@MichaelHall-qo7ce]

Also half the bills Dave talks about isn't true. I assume they both shower/bathe? Double the water. Groceries one bill like Dave says, yeah its one bill... doubled. She has no money, in insane debt!

[@PInk77W1]

So simple. Pay off your debt and the next day we get married

[@Diana-ro2xj]

I agree. Too dangerous to marry her.

[@MichaelHall-qo7ce]

@@PInk77W1 spot on!

[@penguin12902]

@@MichaelHall-qo7ce Groceries don't double for 2 people. All the expensive spices and stuff you only need one of each. You can buy a whole gallon of milk, a dozen eggs, and a loaf of bread and you won't throw half of it away because it goes bad like when you're single. There's way less waste when you shop and cook for two vs. for one. Water bill isn't double either, there's a base bill for every house so no matter how little you use, you still get billed that amount. In my city it's a $45/mo minimum, so they'll save that amount at least. Sure the water bill will go up but it doesn't double. Adding a second person to the house doesn't change the heat and electric bill significantly. Combining households is way more efficient than maintaining two individual households. That said - no way I'm marrying a chick with $300k in debt, that's insanity. I'd let her live in my house to save money, and when she shows me she's serious about paying it off FAST, when it's almost gone, then we'll get married.

[@tubenachos]

Jade looked pissed 😤 😂😂

[@Tenjiecorner]

This is one of the reasons why I didn't want to be part of a high-paying career. I rather have a modest job that pays tips, save and retire early without having to worry about paying back student loans.

[@ianward8107]

Dave’s advice is always great I always have the feeling that the callers know it’s good advice but it’s so hard to break those habits of spending and being comfortable so I always think that they’re going to take the advice on the phone but that in real life they’ll never follow it

[@djpuplex]

He's richer than she is with all those degrees. Odds are if he made $130k+ she'd have no problem with marrying him.

[@PInk77W1]

Yeap

[@henryanaya8459]

Yeah she doesn’t want to marry because he doesn’t make a lot of money. If they do get married, they’ll be divorced after she’s done paying the debt with his income

[@Zinger3030]

I don't get it. I paid $50 a month for IT certs and I worked my way up to $80k a year without a college education. There isn't anything noble about college. It has been a disaster for almost everyone that goes.

[@enhancedutility266]

Where did you get your certs?

[@SlowGrindT]

Caller: I have 300k student loan debt. Dave: 2 YEARS

[@kensmith2796]

His standard answer which never takes taxes into account or "life".

[@kcdav7]

When people say how much they make on the show are the giving before or after taxes wages? I have always been curious about this. Lol

[@mattmasteringer4399]

Before taxes

[@robloxvids2233]

Always before.

[@ykook7000]

Salary is Always Gross

[@LegalMind-ds4wr]

Dave still continues to underestimate taxes. $225k is about net $150k in Georgia. Living on $50k a year means it’ll take 3 years to pay off.

[@grlmgor]

He overestimates to get the ball moving. If she waits 10 years on a to get the loan forgive it will be about 580K.

[@LegalMind-ds4wr]

@@grlmgor Accuracy is still important.

[@grlmgor]

@@LegalMind-ds4wr It possible if you reduce your living standards to none but he know most people can't do that.

[@lisan4674]

Please don't let Dave rush, or should I say push you into marriage if you're not ready. Aside from that I like his advice.

[@izzo2998]

1) They will be having a sizable wedding; 2) They will be buying a sizable house. She didn't hear a word he said.

[@ajfrederick9584]

I don't see how anyone logically could marry someone with 300k in debt

[@ykook7000]

I don't see how logically anyone could have $300k in student loan debt

[@ajfrederick9584]

@@ykook7000 valid point people are stupid to pay that much i decided to go to a 11k a year university much closer to my house instead of spending 280k like some of my friends. Personally i think it's stupid

[@da11king]

It's called ❤love 🥰

[@joeriveracomedy]

Run homie!

[@Jennifer-vp2ov]

So glad i did my bachelor and had 0 debt. Now im almost done with my master and still no debt/loans at all!!!

[@joziewales1965]

Jade sporting those earrings. Damn girl.

[@flygirl2447]

Younger people today only want to do things they want to do. They want instant gratification. They want to feel good. They don’t want to do anything hard. Or anything that is the least bit uncomfortable. Or anything that might take a little time,effort and commitment. She’s calling in and hoping Dave has an easy button solution for her. She doesn’t know Dave at all.

[@9StickNate]

She went to college to become a Pharmacist. That’s not instant gratification. It’s a 4 year degree after an undergrad.

[@flygirl2447]

@@9StickNate Yes. And went into a mountain of debt to do it. She is no doubt a very good student if she graduated from pharmacy school. Yay!! She has earned the degree and the title. But soon afterward always comes the reality check. She wants a nice wedding and a house. And (even though she didn’t include herself) she and her fiancé were banking on loan forgiveness. Dave laid out a plan to have her 300K paid off quickly but from her blasé reaction, she’s not ready to sacrifice and put in the work to achieve it. And Dave and Jade, having heard countless stories just like hers, agree with me. Hence, my above comment.

[@Prod-by-Z]

⁠@@flygirl2447yeah how lazy of her to study 8 more years after high school to study medicine! When I was in college, I worked my butt off and sweeped the floors to pay for my college! I don’t understand why she can’t do the same - John, 68 year old boomer Education level: some high school Occupation: Factory janitor Net worth: 2.8 million Benefits: Pension, 401k, health, medical, dental insurance, bonuses, company car

[@jsanjay5513]

The question is would you rather be in $300k in debt and make $120k, or be $0 in debt and make $60k for an average job.

[@David-wo9un]

And be single being able to do ANYTHING you want.

[@davidmiller2167]

That's not how taxes work Dave. She pays taxes on everything, and will have maybe $100K to pay her debts with. Maybe. Then there is interest on the debt. Probably a 4 year payoff, not 2.

[@stupadasol5911]

Student loans? As a "lifetime" student, all my student loans given were either forgiven or paid off. The secret was only make beer loans to your roommates and never expect to be repaid. (And drink their beer!) Trick was more work, lighter class loads and the need to borrow. Decades later and comfortable retired, beer drinking days long gone, it was fun while it lasted, but it was a wild debt free ride! Life is good!

[@theflightsimulationexperie6894]

Dave, please STOP interrupting your co hosts. It would be appreciated. My brother is a pharmacist and earns about 155k a year. His wife makes about 70k. He graduated school about 7 years ago. He still owes more than 6 figures on his loans because he bought a house, a 48k Jeep loaded and his wife a brand new Honda pilot loaded. They took out a heloc on the house to upgrade. He has spent, spent, spent all these 7 years just paying down the minimum balance due. The response is always, it’s a low interest rate. Yes I’m sure my brother will pay it off eventually but at the rate he’s going, it will probably be early to mid 50s and he’s 43. Don’t do it that way. My wife and I are 5 years younger and don’t have a doctorate degree. We both make less than him combined and we have a much higher net worth.

[@JakeStewart1343]

Yeah, but they have cool professional titles, cars, home, EGO, etc.... 🤷‍♂️

[@genxx2724]

You and your wife will be The Millionaire Next Door.

[@Vencarter]

Watch them call dave bec that heloc got out of control and dave is then telling them they gotta sell the house 😭

[@PInk77W1]

I thought he let her talk a lot. I love that lady. She made it thru the Debt war herself

[@theflightsimulationexperie6894]

@@PInk77W1 in the beginning he clearly cut her off.

[@MGTOWmademeMillionaire777]

Dude ruuuunnnn!!! Thats a money pit! Study mgtow and DTB

[@stockpile2137]

Lol I was thinking the same thing. Men need to move smarter.

[@juicysmith38235]

I am a WOMAN, debt FREE, & would NEVER marry someone with that kind of debt. Dave should discuss havint yoir values align & also how that kind of debt would impact buying a home, children, etc. How could you not feel guilty burdening someone else with YOUR problems. I intentionally have a clean slate

[@treasurethetime2463]

Poor bastard. He makes a good living with no debt and now he has to punish himself for 3 years all for the glory of marrying a woman he'll never going to see for more than 20 minutes a day 6:52

[@yardleyhbk]

If i was that dude im dumping her and moving on no way in hell im dating a wmn with 300K in debt.

[@haydenlandgraf3900]

Has Dave ever heard of interest? That $300k is more like $500k

[@kevinmunz402]

You can’t pay off $300k in debt with $250k pay in 2 years

[@SP-qo1so]

You absolutely can. People like you just think it’s impossible because they don’t realize what real financial sacrifice looks like.

[@kevinmunz402]

@@SP-qo1so show me the math! $250k gross is $175K net. Have a go!

[@thegenxgamerr]

All the young men out there listen to this carefully. You don’t need to be married to have a great relationship with a woman. Marriage is a legally binding contract. You will be on the hook for all of their debt. The Ramsey net work is not a place you should be calling ever for advice on relationships. They are Christian-based, nothing wrong with that, but they will always tell you’d be married, and they will always assume you as the man are the problem. Good luck.

[@tonytoni1150]

Agreed . These Christian men are very naive when it comes to women.

[@untouchable360x]

Listen to Coach Greg Adams for advice. Shout out to the coach gang!

[@thegenxgamerr]

@@tonytoni1150 these are the men that repeat the old phrase. “happy wife happy life“. Meantime, it’s 2023 married, men have horrible outcomes, be a divorce, police involvement they always assume it’s the man, custody battles, financial obligations. How about happy husband happy life? Young men out there should not be taking advice from people whose moral and ethical compass are situated, in a time that has long past in the United States. It’s 2023 any one 800 numbers for men? Any institutions for men’s issues? Of course there isn’t. Men are valued solely for what they can provide women children their valued/loved unconditionally. Don’t fall into the trap fellas.

[@LittleMopeHead]

Works for some, but not most. The issue with this is that not being married, you are saying "you" and "me" instead of "we" on everything. There is no binding of any sort, and there may be a "I can leave or get out of this any time" in the relationship. Don't underestimate the financial and infidelity of people in the society. There is a reason statistics show this data on divorce rates.

[@handleyobusiness]

A truly Christian woman would not bring any past burdens to a future husband. No outside kids, debts, or a past.

[@instagramdude4784]

I agree with Dave 100% when it comes to getting out of debt. But this advice is batsh*t crazy! I hope the dude doesn't agree to get married unless she clears up this mess she made! I would never marry a woman with that amount of debt. Doesn't matter what anyone f'ing thinks. It's my life.... My choice! Period!

[@arcelivez]

Are you guys insane? What's wrong with you all?? Did you even listen? Did you even hear what they were saying? SHE'S EARNING TWICE THE AMOUNT HE DOES. So they can spend 120, if they leave 60 a year for the debt, she's not pressuring him with any debt. SHE'S THE ONE PAYING IT OFF. Not him! And she's like ashamed to get with him. Dude once she's done paying of the debt. Be it after 10 years, but she will be getting twice as he does, so it's like his income isn't serious compared to his. (well it's gotta be a bit annoying to him, I feel it as a man, but she's not the one to be embarassed! Well he's not too, that's just how it sometimes is, my wife earns more than me too, not by that factor, but still - significantly enough)

[@instagramdude4784]

@@arcelivez You are entitled to your opinion. Like I said, I would not marry into that much debt. That's my opinion. You don't have to agree. You think this in a different way and that's fine! :)

[@observer8736]

I see my co-workers order meals every day instead of saving. My student loan is a peanut compared to those spenders.

[@Hdhfhhdh]

if the fiancé is reading this , DO NOT MARRY THIS WOMAN!! let’s be honest , she secretly hates you for making only half of what she makes, and just wants your extra income to pay of her insane 300k debt !! Don’t inherit is debt and don’t be a simp!! You deserve better

[@lady56725]

"Simp"😂😂😂

[@golden-bear]

Oh gezz...Dave can be so naive to how marriage works in 2023. her fiance is very smart to be hesitant about getting married to her before this debt is tackled. DO NOT get married yet, you'd be a plumb fool.

[@shanep2760]

She said she graduated 3 years ago. I wonder if she had made any payments since then. 🤦

[@sendit3251]

Nope No payment I know Im her bank account

[@toya1374]

Probably not because all student loans are deferred due to covid

[@PInk77W1]

0 interest. Golden opportunity to pay off the principal fast. People are mathematically illiterate. I have no student loans, but if I did I’d be making double payments with 0interest

[@ykook7000]

Aren't all these students assuming the govt will waive their debts.....lol....😂

[@PInk77W1]

@@ykook7000 govt is the problem

[@fhuber7507]

I'll tell you why her having $300k in student loan debt SHOULD matter for getting married. The guy needs to be cautious about being her walking wallet. He's debt free and that $300k anchor she's toting around should scare him.

[@fhuber7507]

BTW... she hasn't been paying that down during the time people cpould just ignore student loans. She's been spending all of that income. She's now addicted to spending that income and ignoring the debt. She has a 3 year history of NOT paying her student loan... or it would be paid off today.

[@oldhag2881]

Scary hat the concept of 'more work' ='more money' is viewed as crazy

[@caroler4297]

Courtney needs to find a job that has a student loan forgiveness plan. Some will pay quite a bit just have someone working in her position.

[@smithrr6]

She is 30, she has $320k debt all hers, she is getting baby rabies... OK so she makes $120k per year ... The man she is "engaged" to only makes $60k. She thinks that with her education that she deserves a wealthier man than her current boyfriend, but this current boyfriend is way way WAY more responsible with money than she is. He can dump her for a 23 year old that has zero debt, and then she would be alone, age 30, big into debt, and childless. Age 30 is the scary age for women because age 30 is when women start to lose leverage over men in the dating market and men start to gain leverage. But she has the extra liability of also being hugely in debt. In my opinion, this guy needs to break up with her and let her fix her own problems. these problems are all her problems and not his, but if he signs the marriage certificate, now they are his problems. Would she get married to him if he was $320k in debt? He wouldn;t even get a second date if that was the case... This $60k earning dude needs to have more respect for himself and break up with her.

[@terriesmith2616]

100% agreed with you. As soon as he marries her, you know she's gonna want a baby asap because she's already 30 yrs old and time is running out. Once she's pregnant, she's gonna want to be a stay at home mom, so that means he's going to have to work his ass off to pay off her $320K debt and also pay for a family of three living expenses. This guy is doomed if he marries her. He'll have to work until he dies.

[@Cristobal8605]

You make complete sense but an ass well managed make a man blind