Dave, We Are A Financial Mess!

[@jeannet7443]

"When you like the taste of steak at a restaurant more than you like the feeling of paying your bills on time, you've got a problem."

[@dylanschweitzer18]

This is why I learned to cook steak. Now I make a $65 steak for 10 bucks 🤷

[@thanhtran-huynh5979]

I like rice and beans!

[@dianahussain5066]

I like rice without beans 😅

[@katsybo]

I like bread with a spread. Especially when I’m tired after a long day.

[@JScottAudio]

As a diabetic.... I cannot eat rice.

[@nephetula]

She's hiding something significant. There's gambling, drugs, or some other big drain that's eating half their income.

[@jamoeclopton1939]

Lol detective Don on the case 😆, probably drugs tho I completely agree don't add up

[@jennitapia1269]

Shopping.. she’s an addict

[@nessapalmer5316]

You'd be surprised how much over spenders can spend when the addiction is spending not drugs or alcohol. My ex husband spent money like it was burning a hole in his pocket. I couldn't stop him I tried everything and once you take the access away they resent you for giving them an "allowance" like they are a child, then divorce you. 🙄

[@farouksellam7194]

@@nessapalmer5316 what was the addition of you don’t mind?

[@nessapalmer5316]

@farouksellam7194 the addiction was spending or you could say purchasing things.

[@winewoman224]

I’m 63 years old and I can tell you that the problem with our country is that parents do not teach their children how to deal with feeling uncomfortable and deal with adversity in life. You job as a parent is to teach your children how to stand up on their own two feet. That is only taught by making them learn how to stand up after you let them fall. It’s the hardest thing to do but the only way to love them the best.

[@reyjonhsmith]

🫡

[@koranoir380]

You’re 100% right. Children need to suffer a bit more in the US so they can grow resilient. I’m also guilty of helping my daughter too much. Good she’s only 2 and I can correct that.

[@RaymondDawson-v2w]

You better believe it. Part of responsibility as a parent is to make your children hard cause the world they have to live in not the fantasy world you hide in is cruel,vicious,unforgiving.

[@RaymondDawson-v2w]

Also, it's mandatory to teach your children honesty, character and decency so they grow into decent,honest,,useful gainfully employed adults not sleazy deadbeats,freeloaders,scammers.

[@Donation3million]

Stop kicking out kids from home there is nothing wrong living with your parents and justing bills with them is cheaper saving money is going to be easy 😅

[@SPY_0-DTE]

Glad Dave stepped in and started asking the right questions.

[@NaNa-lt1po]

Absolutely

[@richthepup]

That’s why this show is going to crash without him. Rachel/Ken/George may keep the thing afloat but the rest of the personalities are parrots (sometimes George too)

[@RandomAmerican23]

Some of the advice from the other personalities is excruciating to listen to.

[@wahinepaddler4]

George is getting there.. he's not as straightforward as Dave but he has come into his own a little..maybe time will tell.. The others are very painful to listen to.. the one thats on here with Dave is a hype person. She feels the need to background anytime Dave says something..it's annoying. Im going to miss Dave 😔

[@ONLY1KUDWE]

💯

[@mike7933]

If she is struggling on 9k a month, she will die financially if she divorces him and only makes 2.8k a month… careful what you wish for

[@David-wo9un]

If she is accustomed to 9k a month, the husband will be paying alimony through the nose if there is a divorce; she is all set.

[@oclayton1911]

100k in ATL is poverty

[@giainto5564]

Yep, she won’t be able to survive without his income if she’s been spending like crazy like this.

[@hansonallie]

@@David-wo9un- Totally, although she’d still be spending out the a$$ in no time😅

[@wewhoareabouttodiesaluteyo9303]

@@David-wo9un She can always remarry if things get really bad.

[@CaptainCinnabar]

I wish that the other co-hosts were trained to identify roots of problems like Dave can. Anybody can pin the list of baby steps on their wall, write a budget and just follow the steps to success. But Dave is there to ask the difficult questions and actually think critically to find other barriers that people have, which is a trait that i feel the others really lack.

[@Margatatials]

I think it's decades of experience as a financial councillor

[@CaptainCinnabar]

@@Margatatials Fair

[@RaquelSantos-hj1mq]

They're in training right now.

[@lillynumber2]

I love how straight forward Dave can be.

[@linuxsurfer2002]

That's why the show is so successful.

[@bobmarker6812]

Yup! Dave goes old school on them.

[@morbuenogroup3092]

Yeah! I also love how Mr. Ramsey just hammers the SH%T out-of-them! Love it!

[@dianawilliams8801]

The others need to be too

[@soni05131]

Yep, that is why he's got $$$$$. It is or it isn't!

[@allofthenames77]

I love how blunt, honest and direct Dave is in these conversations. Today, we sugarcoat too many things to make people feel good. Oftentimes, we need the cold, hard truth to help us get on track.

[@radioheadfanlove]

"Were you parents cousins?" 😭 I am obsessed with Dave's straightforward attitude! :)

[@catherineblue5607]

I'm at work and I'm trying not to bust out laughing 😅

[@radioheadfanlove]

@@catherineblue5607 🤣

[@striving1]

He's so flat out bold and country!! 😂

[@radioheadfanlove]

@@striving1hahaha the best

[@aida087]

My parents always told me "if you do nothing else, PAY YOUR RENT first and foremost at least that way, you have somewhere to LIVE!!" Can't pay your utilities: candles, flashlights/batteries for lighting, warm clothes, window insulation and blankets for warmth!! Water: bottled water or gallons of water!! Food: If you can't afford food shopping: pb&j sandwiches, almond milk, canned meat/food/veggies, fruit!! Transportation: bus or walking!! Can't afford clothes: Goodwill or secondhand clothing from relatives/friends!! Basically, whatever you need to do to be responsible with your bills/save, and "survive and thrive" do it!! All of this "keeping up with the Joneses", your STUFF, you can't impress anyone or take your stuff with you when you DIE!!" My parents btw, in their 80's and they look like they're in their 60's, I thank God for their wisdom and lessons and I truly love them!!❤️❤️

[@David-wo9un]

Dave left her speechless when he opened her eyes to their situation.

[@marygassman-baltierra3530]

I used to think a budget was going to be completely restrictive and boring. What I found out is the budget gives me absolute peace of mind and freedom, because before the month even starts, I know where all of my money is going, and I know how much I can spend. I used to be a free spirit, and I'm now turning into a nerd.

[@markcowan3366]

My wife refuses to make a budget with me. I've told her many times it's not about restricting things down to nothing, but just to know where we are financially and maximize our savings. She refuses to cook, so if I'm working nights she will take the kids for fast food and that stuff adds up.

[@PInk77W1]

@@markcowan3366 eating at home saves so much. Dried blueberries and oatmeal. $2 a meal. Cheap Restaurant. $15 a meal. Egg sandwich is $3. A meal.

[@davidhenry9764]

Nerds are cool

[@wewhoareabouttodiesaluteyo9303]

@@markcowan3366 Yeah, the females of today are not like the ones in the past. One would be lucky to find one who cooks and works. I am going to miss my mom's cooking one day.

[@otrebla8944]

@@wewhoareabouttodiesaluteyo9303 learn your mom's recipes and pick up where she left off.

[@Sayres434]

The show will not survive without Dave . He knows that

[@PhilipMarcYT]

Definitely. I'd much rather prefer just to listen to him than other hosts trying to stay relevant by saying stupid sh*t like yeah yeah yeah... 😑

[@genxx2724]

It’s a relief when he takes the wheel and rights the ship.

[@otrebla8944]

None of the other personalities can really take the helm because Dave dominates them. A dominant personality is required to take the helm, and Dave won't pair up with another dominant personality because then they'd clash.

[@musicman1eanda]

@GenX X Yeah, the other hosts are just "yes" men and women. They don't give advice as well as Dave does.

[@WeBeatMedicare6969]

They said that about family feud too lol

[@corona24life]

I’ve learned so much from Dave. He’s no nonsense and straightforward. Gotta love him 😊

[@cajbaf]

Yep, he says the same as my financial guy. And he got me out of debt...

[@jeanniesabol5410]

EVERYONE learns from Dave. So right about so many things. Personal responsibility + discipline.

[@davidsensing2664]

LOVE Dave's directness with the situation. You can hear in her voice she is at least 50% of their problem with spending.

[@zeal4god402]

"Food is a necessity. Eating out isn't a necessity. Some of you, all you know how to make is a reservation." -Dave Ramsey 🤣

[@random-nz7dy]

Hahaha love that

[@nephetula]

I know people who stop at Starbuck's twice a day. Exactly none of them have figured out they're spending three thousand dollars a year...for a cup of coffee!

[@AnalyticalMenace]

That also seems to be a generational problem.

[@taqeemhilton]

It was a cute line but not that funny because he talks about not eating out a lot. If this is your first time hearing him mentioning not eating out then it seems funnier than it really is.

[@crowtservo]

@@nephetulaMy wife knows a couple who gave their daughter a credit card for food and clothing expenses while she’s at college. $1000 limit. One month she spent over $600 at Starbucks. They found out she got two or three cups a day and often buy for her roommate too. They bought her an expensive cappuccino machine for Christmas, told her she couldn’t spend more than $50 a month at Starbucks and she’s been good since then.

[@Anfiyaah]

Every call needs to be like this! All the other Ramsey personalities need to take note. People need tough love and be smacked around a little so they can step back into reality.

[@TommyTombstone]

It doesn't help that half the comments are people whining whenever Dave calls someone out for their stupid behavior.

[@shawncho5217]

She's definitely leaving something out. You don't get behind on rent and car payment with a income like that unless you have a gambling or drug problem or some other kind of addiction.

[@aboutwhat1930]

The paycheck-to-paycheck addiction: one or both have serious spending problems.

[@shawncho5217]

@@aboutwhat1930 it's beyond paycheck to paycheck when you are about to get your car repossessed and evicted.

[@kingcobra014ify]

Or she’s lying about it the income

[@michaelvan6675]

$90k, It’s not very much.

[@chuckcooke227]

@@michaelvan6675 maybe not where your at but a person could live VERY comfortably making $90k a year in my neck of the woods.

[@ykciR]

Good thing dave took this call. The other guys would just tell the husband to get a 3rd job. Dave told her that it was her fault they are in debt as well

[@joshwilson6473]

Definitely the best with Dave! He always digs in more.

[@nikkisigmon8090]

Lol no they would not have.

[@luminous6969]

Dave usually simps hard but he seems to have found his balls at least for this call.

[@Anfiyaah]

So true!

[@camxdidxthat]

@@nikkisigmon8090 you must be new here

[@sweetpeathebreadtamer411]

Dave!!!!! This is what America needs. Slapped and awakened!!! HELLO!

[@debmacie1612]

Several years ago I watched a KZbin video about doing a “no buy year”. Which meant only buying replacement items you use up, things that were broken, needed for a job, medications, etc. absolute NO clothes, books, fancy coffees, decor items, etc. I thought it would be hard, but it was so easy. If I went into a store knowing already I could not emotionally purchase I felt no temptation even to look at all. I just grabbed the dish soap or paper towels and out I went. I saved so much money it was amazing. And I feel so good about myself. I also took the year to go through my house and get rid of stuff I didn’t need or want, so my house is uncluttered, my finances are better and I am so happy. I love watching this show because even in retirement it keeps me focused and on track financially.

[@jeanpolkoski2107]

I often do a no buy month. I asked my husband to come up with a dollar amt to save for every day we don’t spend, he decided on $7 per 'no spend day'. We've saved $63 this month so far. It's not hard to not spend. We gamify it so it's fun.

[@justvincenturb]

She's in denial of her own fault and blaming her husband for most of their issues. Dude's avoiding a bullet if the divorce goes through. Her call was literally her trying to get Dave's confirmation that she's not doing anything wrong and Dave saw right through it.

[@djpuplex]

It's almost like the more you watch these videos the more that it's apparent "we" is usually "she".

[@justvincenturb]

@@djpuplex happens when "she" always says "he". Funny.

[@lostboi3974]

Sounds like most modern day women. Accountability is kryptonite

[@poeticprincee9750]

Women typically never take responsibility! I’ve never heard a woman say, “you know what , it was my fault and I’m sorry”.

[@superblump87]

@@djpuplex who hurt you?

[@falkonklan1622]

Thank you all for changing my life for the better! Debt free and building wealth because of yall!

[@kcc3985]

This lady is in total denial and she’s not being honest. You take home $8k and you can’t make it work? 🤔

[@LyonsArcade]

Has to be a gambling addiction they’re blowing like $200 a DAY over their bills

[@cherrypieforbreakfast1499]

Or drugs, or something. How can you blow through eight grand a month and be behind on rent?

[@lorenzovonmatterhorn7402]

9k lol and yeah.

[@Margatatials]

@@cherrypieforbreakfast1499 that could explain why he doesn't want her to see how he spends his personal money

[@hasani9110]

He makes the majority of the money and he probably isn’t chipping in for household items. I also suspect that $8,400 is their gross pay. If their finances are not combined, it’s hard to budget and plan for every dollar.

[@MrRobertJeppesen]

Some of the other personalities on the show are still having trouble "feeling" their way into the call. Dave has so much experience and intuition about what's actually going on when people call in. It's really amazing actually. Some other calls I have listened to, I think one thing and Dave goes another direction and come to find out, he nails it. Awesome stuff.

[@alvinjackson9685]

Dave certainly has years of wisdom over the other younger ones on his team.

[@laruku82]

thanks for coming back from vacation Dave! We need you you to get straight to the point!

[@jojachow]

She spends money and runs up a debt.... her solution: get divorced

[@unfairsanic5089]

Thats sad and more and more married people in america are going through that route than helping each other on thier debt issues

[@MrTmenzo]

She only brings in 2800 so the husband might be better off single lol

[@David-wo9un]

She will probably make bank with alimony; the husband is about to lose BIG.

[@zeal4god402]

It's likely they have deeper personal problems than just rampant spending and not agreeing on a joint account only

[@jeremya.695]

Too many people look at marriage as a rental or a lease instead of a lifetime commitment. Bolting as soon as things get hard.

[@davidnewton7436]

I disagree that you should prioritize buying food before paying rent. There are a lot of food assistance resources available for low income people (SNAP, food banks, WIC, etc.), however rent assistance is much harder to get. Pay your rent first , then figure out food. It doesnt do you much good to have a full cart of groceries if you dont have a pantry to put them in.

[@samalfonzo1585]

I agree with this. Shelter is priority number one for me. I’ve been in rough spots and my rent was always paid on time. In those times I would find loose change to buy a 1$ burger. That worked out well for me.

[@hadenanderson563]

Go try to get assistance.

[@elizabethallen4353]

These people would never qualify for food assistance with their income

[@lynnebucher6537]

AND, when they are already begind like this, COMMUNICATE with landlord, admit your mistake, agree on a plan, and pay as much as possible every paycheck until the rent is caught up. The worst thing is to say nothing to the landlord when you are behind because they will just assume you're never going to pay again and it's eviction time.

[@kondrasellers2740]

I don’t care if I’m broke peace of mind knowing your not getting evicted or utilities are not being cut off is priceless!

[@nildabridgeman8104]

Absolutely 💯

[@sourcehealing82]

I love my budget, my spreadsheet where I can see everything I spent. It’s like a game for me stick to it and it’s kind of fun. I don’t feel like I’m missing out on anything. Taking care of my future self is a better feeing than any vacation or shopping spree.

[@JCJourney]

Sometimes you need someone talking to you like a dad.

[@Epidombe]

Father Dave Preaches the Gospel.

[@Epidombe]

@@genxx2724 what are your thoughts on this: men arent allowed to. If they give a stern talking to their wife, girlfriend, kids, then theyre seen as abusive or controlling. I cant speak much as im in my 20s but it seems thats more what its about than anything to me

[@JCJourney]

@@Epidombe that is true nowaday but I won't care about that if I have to talk like that to teach my kids how to avoid digging a hole for themself.

[@Epidombe]

@@JCJourney so then to string these thoughts together, the root lies more within men caring about their public image than anything, right?

[@JCJourney]

possibly , yes. We are social animals. need to overcome that "face" problem.

[@andrewmakasini4054]

There’s a reason why the show is called the “Dave Ramsey” show because no matter what any other show host here says Dave sees through the fluff and asks the right questions.

[@tmusa2002]

Not trying to get lost in the details, but….. It’s not called the Dave Ramsey Show, lol. However, I AGREE, nobody is anywhere near equal to him.

[@Fishouta]

Agreed, and the day he retires from hosting will be the day I stop watching/listening.

[@tmusa2002]

@@Fishouta There will always be reruns!

[@KidFromQueens]

Sheeesh, it's sad people are having these issues but these stories make me feel better about my situation and keep me on track!🤦🏾‍♂️

[@RaquelSantos-hj1mq]

I know it's the whole reason I watch. If I start feeling bad about my weight and fitness progress, I watch My 600 lb life.

[@BV-Auto]

😅​@@RaquelSantos-hj1mq😂

[@Holdeenio]

This is the PERFECT example of where Dave’s straight talking can instantaneously make a world of difference. This lady’s home earns well and don’t even have that much debt, they just need to be disciplined and stick to a budget and within two months they’re back on track. Within a year they could be debt free and increase their lifestyle if they so choose to.

[@ONLY1KUDWE]

Love how Dave took charge of the conversation.

[@beaco2706]

LOVEEEE this!! Good to see Dave actually run a budget with a caller!!

[@oleggrishchuk739]

Preach it!!! I started clapping and saying Amen!!

[@Moolarkey]

I am in adjusting and updating our budget just about every day. When something changes (new, removed, updated $ amount) then I adjust the budget for each month for the rest of the year. We are doing very well financially now but there were times years ago when we weren't. How much money we have, what we owe, etc is very important to me.

[@dt6750]

I don’t need a budget, never had one. I own a paid off home and paid off vehicles. I maxed out my roth every january, and contribute 1k a month in to my brokerage stock acct. I don’t make a lot, I just don’t spend ridiculous amounts on entertainments and junks I don’t need.

[@olaabi8150]

9k a month and it’s not enough.

[@random-nz7dy]

"eating out is not a necessity. some people all you know how to make are reservations" 🤣🤣🤣🤣

[@budgetingdaddyuk6761]

Glad Dave was on the call and opened her eyes.

[@bellmattwebb]

I feel so bad for these people. Some folks just can't get it together.

[@tubenachos]

I'm glad Dave is calling BS on this caller, she's trying to avoid accountability

[@SPY_0-DTE]

They make between 80 & 100k a year. There's no way they're pulling 8-9k a month after taxes.

[@قناةعلمتنيأمريكا]

I Agree! Max $5000/ month

[@unfairsanic5089]

Caller dosent even know how much there making

[@edwardrhoads7283]

I have a feeling she has no idea how much her husband makes. The fact she rounded hers to 100 and her husband to nearest thousand is a sign of that.

[@Georgemorales5559]

I did the math also she doesn’t even know how much they bring home that man is gotta run run

[@robloxvids2233]

I think they are netting 100k. She's making $8,400/month takehome.

[@kathleenphillips7145]

Being paid once a month I’ve always prioritised my mortgage payment first, then utilities and then food. After that are phone and internet along with transportation and insurance costs. Everything else are not necessities but extra spending.

[@screwdriver_bandit]

This proves Dave is superior to all these clueless hosts. Calling people out in a way the others are scared to. And they have no life experience compared to him.

[@FancyRPGCanada]

@14:26 my husband grew in poverty in an extremely abusive household so he never learned anything about finance until meeting me. He was very smart though and never had a single debt until we bought a house together (unfortunately relying on only my credit score, but he did contribute a huge chunk of the downpayment). This point in the video Dave makes a really good point about how people don't make good decisions, especially not good financial ones, when they are stressed and in crisis mode, and because my husband lived the first 20 years of his life like that, it's very hard to get him to talk about finances. He's great about saving and paying down debt, he's all on board with that, but man is it like pulling teeth to try and get him to open an RRSP.

[@Fredflinstone23]

Suddenly, i became financially well hearing this

[@bessiedalton891]

Tell it Dave deal with the root of the problem not the symptoms👏🏽👏🏽👏🏽‼️

[@BrianaBudgets]

The husband not letting her get rid of the separate accounts leads me to believe SHE is the spender and he doesn’t want her draining the account.

[@lionmangolf]

My brother tried to give me your book when it first came out & I never read it but now I'm a big fan. Still never read the book but know the baby steps.

[@ReginaDillard]

I wish they asked her if she and her husband have children. It's unbelievable how much people spend to make their kids "happy". Not saying this is their case, but I have family members who go over the top when it comes to their kids.

[@musselmanmedia5236]

these calls just prove that most couples do not talk about money before marriage....

[@JohnFKennedy420]

“Are you parents cousins??” 💀💀 Dave is my favorite 😂😂

[@InternetUser._]

How many millions of people wouldn’t be BROKE if they simply bought cars they could afford? 💡

[@lynnebucher6537]

Sounds like they buy their WANTS first, then what's left is NEEDS. My ex was like that and it was terribly stressful.

[@zo_471]

I agree with the four walls but the order is different for me. Number 1 is always shelter. There’s no point having utilities if you don’t have a house. Food for me is number four, I got plenty of body weight where I can easily miss a meal or two.

[@billwessels417]

they aren't paying rent, car loan, medical debt, or student loans and she was like we don't even have enough for our minimum payments.... what in the world?!? so basically all of their income was food and other spending.

[@zeal4god402]

They fine dining daily

[@jeromehenry4484]

Addictions are expensive.

[@georgewagner7787]

Shopping

[@Aminah6623]

Been listening to Dave for 6 years. My four walls are never in doubt.

[@PInk77W1]

My budget $2400. Pension $500. Food $200. City utilities $65. Internet. $765. Total. $1635. Left over. Life is good.

[@shannonobrien9922]

You forgot rent/mortgage

[@jessrx1]

No insurance or medical or taxes or transportation? 🤷‍♂️

[@PInk77W1]

@@jessrx1 Rode my bicycle from LAX to San Clemente today. Taking an Amtrak for $22. To San Diego

[@Azel247]

She makes $2800 and he makes $6000. She said they both contribute to overspending. Does she truly think a divorce and going down to a single (smaller) income will be good for her? Might be a good thing for him though.

[@andidede3653]

She probably has someone already lined up or is just simply dilusional

[@David-wo9un]

I think she is figuring getting half his income through alimony.

[@FrankS111]

She is planning on getting half his income so she will be pulling in $5800 and he will have $3000. That’s “equality”

[@alanj9978]

Not in Georgia, I don't think. At least not forever.

[@Mr.LetMeCook]

They both out of control 😂

[@dostagirl9551]

I get when people get behind on bills, especially when unexpected bills pop up. But this…this is ridiculous. If they paid their fixed expenses, including rent, it would leave them with 5k a month, but they’re defaulting on their car payments and medical bills?!? How do you go through 2/3rds of your income on discretionary spending and then even dip into your bill money to get behind like this? I can’t even imagine the mindset. No matter how bad with my budget I got, I ALWAYS paid my rent, car payments, utilities, etc…first.

[@rainacherienne1010]

If I didn’t work from home, I would not be able to watch all the Dave Ramsey Show episodes as they get posted, Dave.

[@JustinCase780]

If you work from home you are a loser per Dave. 🤣

[@MrJimmy3459]

You just proved his point about working from home......

[@samtackmier9274]

Oh really? Is this why no one wants to go back to the office, I wonder 🤔

[@brandonmcmillan9641]

Working from home is not a problem. So what if he watch Dave Ramsey and still work, why are yall jealous

[@addisoncoughran7326]

I have the same income and we have a $3,100 mortgage payment. They are not prioritizing the bills above buying stuff/junk. I have a feeling one of them or both of them is doing "retail therapy" to the max. Dr. D needs to evaluate the marriage and mindset of the couple

[@nantinee9]

“Eating out is not a necessity. Some of you people all you know how to make is reservations.” 😂 Gotta love Dave.

[@pinkorganichorse]

We take home $10k per month and our mortgage is $900. We SOOO want a bigger home but can't swallow when we consider going up in mortgage from $900 to $2700. That's hard.

[@jeanniesabol5410]

They are so right about so many things. Financial responsibility. Live below your means. Pay necessities. No luxuries. Save and invest. Budget so you know where your money is going. And cable isn't a utility. You can solve your financial problems in a few months if you really work on it. So doable.

[@davidpaul9961]

My wife and I are in the same income bracket as this couple. $1750 on mortgage, $1600 in daycare. Then the rest. We’re able to put aside $1k a month. And I live in Oregon, not the cheapest place to live. Lol

[@unfairsanic5089]

I live in texas and have 870 on rent

[@mattmasteringer4399]

@@unfairsanic5089what part of Texas where rent is 875.

[@davidpaul9961]

@Worst Case Scenario sheesh! What does that mean, “is on the dole”? Haven’t heard that before.

[@thesingdance101]

@@worstcasescenario3689 If it’s just you and your dog, I’d recommend a roommate type situation for sure. Usually it’s cheaper

[@Est3banR]

Here in eastern Oregon! Same numbers lol 😆

[@margie909]

Love when Dave holds the woman accountable!!

[@arthurdebacker3270]

"Some people, all you can is make reservations" seems like he had that one locked and loaded, but it's such a great line! And it's true, I never bothered learning to cook and only know I'm starting to realize how much you can save by cooking yourself..

[@Noblity54]

Just jump on into it- the chicken won't blow up. Get some chicken breast on sale, butterfly it into smaller cutlets, put cutlets in a bag with about 1-2TBSP of mayo and some seasoning, marinate for 1hr and then pan fry each side for 3 minutes. Don't knock it until you try it, you won't pan fry chicken any other way when you try this. Do it right, that chicken can be used for dinner, dinner tomorrow, sandwiches (good ones at that with real chicken breast). You can eat really good, even better than eating out, while cooking at home. Just like a budget, meal planning takes deliberate effort but is worth it with the savings, and how you feel after eating/in the morning

[@CatherineGoodrich]

If she thinks they are bringing in 9k a month and making 85k a year, it explains why their budget and finances are a wreck.

[@paulfelder8879]

They make too much money to be in such a bad situation. They’re about to be sleeping in their only car. Just listening to this stressed me out. Can’t imagine living it. Financial peace is so much better than living a nightmare while eating out and buying stupid stuff.

[@jeromehenry4484]

It sounds more like an addiction problem like gambling or drugs (why lots of medical bills?). Their monthly bills are actually reasonable. Rent is less than 25% of take-home income, so why is it in arrears?

[@philmarsh7723]

Trouble is, if she gets evicted, the careers and income sources will collapse like a house of cards.

[@rayj.9568]

All it takes to get behind like this while having a great income is to be an impulse buyer. Habits like eating out every day, sometimes more than once a day will rack spending up rapidly.

[@dacokc]

She thinks that $500 and $400 a month in car payments isn’t that much?….

[@wadesuhr]

Marriage + general busyness of life can often create a backlog of communication. This couple needs a face to face sit-down.

[@hermanrogers1325]

A lesson for the hard way in life knowing where your money is going is very important to keep it from disappearing and not knowing until it is to late like this case.

[@PetePuebla]

I listen to this just to feel better about how I’m doing in life.

[@elginG80]

Simple! People live above their means.

[@4JaayTv]

“Some of only know how to make reservations” 😂😂😂😂😂

[@barnabusdoyle4930]

Denial is the first step to recovery

[@afsoc1909]

Awesome Soldier on Praying for you all

[@sasilver1]

Dave has got me laid out laughing at this episode

[@x_Artius_x]

I feel like this is one of the first times Dave actually called a woman out. Usually he is just telling the husband to work until he drops.

[@johnathanvale8634]

I like how she says that they both overspend, but it's hard to get them on the same page. How ironic

[@jennitapia1269]

Havent heard the word “civics” used in educational terminology in so long.. I learned it back in 1990 something

[@Manihsi]

"Wow, this 15-minute show was like a crash course on family budgeting! Great episode!"

[@philmarsh7723]

Dave on KZbin is a utility.

[@jeremydomin7671]

The other question is what happened to the money that didn’t go to rent and car payments?

[@infidelheretic923]

Clothing effectively means, if it’s winter and you don’t have a coat or a sweater you buy one of those. The bare necessities, not balling Gucci swag. You may also want to wear the sweater at home and dial down the thermostat a few degrees.

[@nmenonm]

I love you Dave !! Cable is not a necessity! !

[@nmenonm]

You are my dad I never had when I get into a toddler tantrum ..hugs & kisses - straight as an arrow - Jade has been a great asset to the team ..

[@JoeSmoeisnotmyrealname]

Watching these videos make me cautious of whom I date.

[@jdwar11]

A lot of people look at food in total different ways. When you break your budget down and have it under control do the same with food. It’s another fun thing for some couples. Make it a game lowering your expenses for food every month. Food isn’t required to be a luxury. Food is just fuel for your body.

[@Najibway]

9k per month is great income. They can definitely clean that up by sacrificing a few months.

[@mciti2594]

Dave, you should include phone and internet in the utilities package. Those are essential needs to apply tor jobs, work for Uber, DoorDash, sell stuff on Offer up, nowadays.

[@mikesawyer4707]

Both! Are big spenders they are willing to walk away from each other. Very sad.

[@dummgelauft]

One of them spends on something stupid, the other one goes and spends more on something stupid "to get even". This is what it is, most likely. They won't change.

[@socketyellow3]

Sounds like she’s the spender if she’s going to divorce over not sharing money. Sounds like she wants him to help her and he knows she is a terrible spender

[@adink6486]

I hope she's not a math teacher because she terrible at numbers. Assuming her household income is 100k gross, after tax net 70k best case. $70,000/12mo = $5800/mo. Her monthly could be only $4800 if the gross is 80k. The rent and cars are eating her life. They spend way more than they bring home every month.