“He Wants To Stay in Debt”

[@xavier_lucas]

With rates climbing in '23 and our mortgage at 7.5%, what alternatives can maximize savings without an RV move?

[@AanyaDarika_]

Affording our mortgage is tough. Considering cashing in, renting, and investing the rest in the stock market.

[@Muller_Andr]

If you can afford to travel, you should manage the mortgage.

[@AanyaDarika_]

We own apartments but won't sell or inflate rents. Being cautious with rising costs.

[@Jennapeters144]

Consider a fiduciary with mortgage-backed securities knowledge for guidance. Prices today may look like dips tomorrow.

[@AanyaDarika_]

I'd enlist a reputable fiduciary. How do I find and vet them? We value fiduciaries and are considering the idea

[@lisaowen7617]

I'm here for the comments and ya'all are not disappointing.

[@Songbird36able]

Same😂

[@VIJER47]

Don’t inhale helium before calling in.

[@Robinlan]

You sound jealous

[@karenadams2512]

😂😂

[@jrey1]

​@@Robinlanjealous about having a squeaky voice? Nah

[@shannonobrien9922]

😂 no.....DO it

[@nychris2258]

Having the voice of a child, it really must be difficult getting anyone to take you seriously.

[@wolfpackflt670]

I remember having a teacher with a similar voice. Yes, it was hard to take her seriously but did anyway out of principle.

[@Loljjkb]

Nobody takes you seriously

[@lionmangolf]

I'm surprised he never asked their income or other debt

[@JosiahK555]

what's your job? "I work in a helium factory"

[@SidraAdele]

I love that the first question Dave asked was how old they are. 😂

[@chrissmith8469]

😂

[@o0usf0o]

We were all wondering the same thing lol

[@pamelaburleson2063]

She sounds 12.

[@deathblade909]

I understand needing big car and dave is right. You can now get 2020 vehicles way under 20k

[@lot2196]

Minivan. We toted three children and friends all over America in our minivans for years.

[@bravotrades5614]

Our last two SUVs were an Escalade from a well off couple moving to a minivan, paid $10k cash, and a Yukon from a retired couple downsizing for $12k cash... Shop around, you can find deals from people who dont need the money.

[@Rome1017Lights]

Agreed! I got a very well maintained and babied Volvo XC70 from my girlfriend's parents friends for *free* because they were downsizing and didn't want any money for it as well. I was able to then sell my other car, make a profit of 10k and wipe about 70% of my debt away. I'm eternally grateful to God and that elderly couple.

[@analyticalchick3064]

My husband got our Mercedes SUV before I knew him for 5k. He walks to work. I usually take the car and then if he needs to go anywhere else we plan it so he takes the car for it. We picked out this apartment just so we could share the car.

[@GrisouIII]

Good for you! 👍

[@HowToChannel298]

Truly love your candidness, I DCAed today again for BTC VRI TOKEN and ETH

[@can1beatme]

L

[@can1beatme]

L

[@linuxsurfer2002]

"Hey Dave, we're almost done paying our debts off, we'd like to add more debt. Whadya think?"

[@carlaritchie331]

She is the responsible one in that relationship! Sadly, he has car fever and desire/temptation has a grasp on him. He isn't listening and respecting her opinion which is much wiser on this point. That's a bigger marriage issue. He hasn't matured into a man who leads his family with the best decisions.

[@Chet_24]

Only get a new car if your current car is breaking down several times a year and is costing $2k+ a year to fix.

[@thedude5040]

Hahaha I bought a new car because I was spending $400/mo in fuel. I went from a 04 ranger to a 2020 passat. 13mpg to 29mpg.

[@austintomkewitz3981]

​@@thedude5040 Just because you drive a lot of miles doesn't mean the general rules don't apply

[@thedude5040]

@@austintomkewitz3981 never said they didn't apply to me

[@jcherestal]

Newer...not new.

[@thedude5040]

@jcherestal I broke that rule and did buy a new car, our income has skyrocketed to $190k, so $25,500 on a brand new car didn't seem like a stretch.

[@dearestdarling9467]

I think we should give more grace to the fact that we all entertain a potentially bad financial decision because we think we can swing it (so we can have our cake and eat it too), and it doesn’t make one a bad person or husband, in this case. The fact that they haven’t already pull the trigger and he discussed it with her deserves credit IMO. They’ll get the lesser value car and both be happy about it in the long run, no insults necessary.

[@NS19K]

I wonder if Mickey knows Minnie called the Ramsey Show?

[@cashway0420]

Right? She's taking this baby-step thing to literally, nobody told her you don't actually have to talk like. a baby just because your doing the baby steps,...

[@Nursemomi25]

Lol you cracked me up😂

[@yhckelly]

Crappy minivan for the win. It sucks, but they're awesome for four kids.

[@sblijheid]

My first thought was a mini van. They are very spacious.

[@truebengalsfan]

But mini cans aren't cool looking , but is a smart choice

[@ROCKETS2965]

Why’s this lady sound like when you put the video on fast forward? Or like she’s auditioning for Alvin and the Chipmunks…

[@adelea414]

I was hoping that biden would help student loan debt (big mistake of thinking government would ever be helpful, esp biden) BUT I finally paid off all my student loan debt this week! I’m completely debt free!!!! 😊

[@Bamapride1985]

I've owned large suv and minivan with having 4kids and would prefer the minivan over the suv. Better gas and easier to drive around. The seats can be removed or stowed essy and have a great amount of space to haul larger items. Most suv only allows 3rd row to stow away. I prefer the 2 separate seats in the middle row for when only have 4 people riding, everyone has their own seat without needing to share a bench seat (kids fighting)

[@johndone8045]

Finally a bright person Suv is the americas biggest scam

[@lindseywalker4841]

I agree. I have a Chevy Traverse right now which is just like the GMC Acadia and before that I had a mini van that I had and I missed that one so much more that minivan was paid off and it got totaled so I am totally sad about that minivan. My Chevy Traverse is a 2011 so definitely older SUV but I don’t care lol

[@phillipgonzales2911]

I do t understand what the kid is saying

[@lionmangolf]

Same thing I did four years ago. I wanted a ram rebel or Ford raptor but both were over $50k. Found an 08 dakota for $10k.

[@jesusbarajas9444]

Buy the Raptor now

[@MrOfficer235]

I would get the Yukon. 4 kids in a Acadia would be a nightmare.

[@kimjones1007]

Agreed. I'm sure they can find a Yukon for $3000 less

[@pewpewtactical5288]

Yup.

[@annyvee_]

She may sound like a kid but he acts like one. What a plot twist

[@jimmymcgill6778]

With an Acadia, you have no trunk with 4 passengers. With a Yukon, you do. She said they can have the car paid off in 6 months. Paying 2k a month, they have to have a good income. It does not matter if they pay the extra 3k after they pay off the car off or not. They pay off the car, then sell it, he get's 22k. He would still have to put another 3k towards the SUV. If he buys it now. He'll pay 25k. Sell the old one. Get 22k. Put that all to the SUV. He still have to pay another 3k.

[@armored-clown]

Need to buy a $15,000 or less minivan… 4 kids with an suv is madness..

[@kbanghart]

It worked out great for me and my wife, we had a suburban but it was a second car.

[@elizabethallen4353]

4 kids is madness

[@kbanghart]

@@elizabethallen4353 I kind of agree, I have four kids. But two were adopted, so we got $$ for that.

[@cyoohoos]

The comments…. 😂

[@chrissmith8469]

😂

[@maxwellspeedwell2585]

Just checked. ‘09 Toyota Venza 131,000 mi. $9,000. The Toyota will still be going strong when the Acadia is in the crusher.

[@johndone8045]

Venza wont fit 6

[@InternetUser._]

@@johndone8045 7 seat highlander would, And could be had for 9k

[@Rome1017Lights]

​​@@InternetUser._ Highlander is the same size class as the Acadia. They're looking for something bigger. So Yukon, suburban, sequoia, expedition are really their only choices. Unless they decide to move into a minivan that would realistically have more usable space for their kids

[@Aki_Lesbrinco]

This danm obsession with these huge SUVs and trucks. You have 4 kids, get a reasonably sized minivan.

[@pewpewtactical5288]

Yeah? Where are you going to put the stroller and groceries? Not all in the trunk that’s for damn sure.

[@jimroscovius]

Four kids fit fine in a cheap used minivan. That's what we had.

[@SoUnDMaN831]

Sounds like the husband is like most truck owners I’ve met. They are fanatics about one specific brand and scoff at the thought of buy a truck from any other manufacturer even if they’ll save money.

[@jimroscovius]

Why do you need an SUV in San Antonio? We have an SUV, but we live in snow country. We bought our SUV when we could afford it.

[@jessicabrittany1682]

I think her biggest concern should be if that Yukon can even fit in Munchkinland. May need to consult the lollipop guild first

[@midnightblue117]

😂😂😂

[@flxckos]

Lol

[@JustinCase780]

😂😂😂😂

[@rooster5755]

lol very nice

[@debpratt52]

🤣

[@Daveyboy28]

I have a Toyota minivan with 170,000 miles that I drive my wife and 3 little girls all over this country. We paid 14k for her 3 years ago, never had a single issue. We looked at Yukons and tahoes and realized that minivans are way better buys when you remove your ego and how cool you think you’ll look in a Yukon.

[@letsgotomarsman]

Wrong

[@lethanielsmith6958]

​@letsgotomarsman bro probably drives a full size SUV or pickup 💀

[@Daveyboy28]

@@lethanielsmith6958 yeah, I love lying in the KZbin comment section about having an old car with a bunch of miles 💀🤡🤦🏻‍♂️. Go find your dad and tell him you forgive him please 🫡🫡

[@proverbs31woman31]

@@Daveyboy28lol 🤦🏼‍♀️

[@georgeslupski5987]

Not saying your wrong, but u got lucky. Do u think everyone who drove a almost 200k mile car, drove it all over with no problems? There is probably more examples of people putting tons of money into their vehicle every month

[@JOZoSo.]

You can find a 6 seater for 18 grand? Must be a POS

[@evanoman7587]

It's called a minivan, plenty in that price range

[@rebeccaoprea9917]

Just older and more miles.

[@CuppaLemonTea]

its crazy a old 6 seater would probably be 3-5k here in England

[@johndone8045]

​@@evanoman7587older minivans are usually crap with high miles and disgusting interior

[@cabayern9416]

I broke up with a serious partner, because he is a horrible spender. No debt, but no savings. Would buy me a lot of stuff I never wanted. Very stressful. Big relief I don't have to deal with this anymore.

[@kbanghart]

Well, no debt is great. Having debt AND no savings is worse. So I hope you can do better in a partner.

[@benjaminmoore985]

Well did you try and teach the guy!?!? No debt is awesome these day to start so maybe you could have helped him

[@kbanghart]

@@benjaminmoore985 yeah, we only know one side of the story so who knows. Maybe the guy is better off 😁

[@cabayern9416]

@@benjaminmoore985 yes, tried to teach him... But at 57 he is a YOLO guy and expressed no interest in changing.

[@cabayern9416]

@@kbanghart sure. I make 3x his income, save, tithe, live simply. I was not about to blow my money. He still lives in his apartment with leather furniture and a 60k eV (because he is saving on gas). Oh yeah, he is a tax preparer.

[@juancarlosayub5060]

I am so happy the show has arrived at Munchkinland.

[@kennethvaughn5967]

What? There are 18,000 larger SUV’s? On what planet?

[@penguin12902]

All over the place...just not new ones. You can get a 10 year old Yukon with 130k for around $15k

[@dylanbarrett599]

Unfortunate that Ramsey solutions has become pretty demeaning when people call in. A lot of assumptions are made very quickly and they put people in categories and shame them. Of course mistakes were made here. But this call made me cringe a few times.

[@jimmymcgill6778]

YEP.

[@mikel7800]

BECOME? 😅 I watched videos from 10+ years ago where he said someone's parents are cousins.

[@genxx2724]

“Shame” is not a verb.

[@jeffreynorway5723]

Shane is both a noun and a verb haha

[@pitbull7885]

She sounds like Gypsy Rose Blanchard LOL

[@SidraAdele]

When she cleared her throat at 0:17 I thought her voice was going to get deeper. It didn’t 😂

[@ReturnOfTheJ.D.]

Is it still a Baby Step if the person doing it actually is one?

[@ArkansasDeerChaser]

28 & 29? I thought she was 12!

[@willelliott5052]

The Acadia is a large SUV. If he is this tempted to borrow more for such a trivial upgrade in lifestyle, he really does not get it. I didn't get it until Age 46, but I didn't have a wife who was trying to get me to get it either.

[@johndone8045]

Suvs are crap, 4 kids 2.adults, get a van

[@kbanghart]

​@@johndone8045 depends. I drove a suburban for a while, it was great because the price was low and could actually seat 9!

[@Matt-yj8fb]

​@@johndone8045correct! A van is much bigger space and less cost.

[@nicholasselke5214]

@johndone8045 an SUV might be crap but if it gets the job done, you don’t go into a bigger amount of debt to stray from it. Get out of debt, then save and pay cash

[@johndone8045]

@@nicholasselke5214 the little higher price of the car doesnt matter, they need to pick the right car that last them atleast 10 years thats the problem, buy newer, nicer one that lasts, financing cars are fine, just dont lease

[@carsonkavanaugh3602]

Surprised Dave didn’t fall out of his chair hearing this

[@Lewistonwilliams-f5i]

America is currently plagued by the hydra-headed evil duo of inflation and recession. The worst part about this recession is that consumers are racking up credit card debt. In April alone, credit card debt went up 20% while rates have doubled in a year. Inflation is so high that consumers are literally taking debt for basic life necessities. Collapse has indeed begun..

[@ben_dukeson]

This seems like the worst period.Even the markets are very unpredictable.started investing recently when the market prices were a bit high, today i am more than 60% down

[@ClemenceRoskelley]

The current situation is incredibly dire for people in the United States and other countries. The global economy is facing a significant downturn, with increasing inflation rates and unemployment figures.

[@Grace.h-t8o]

You are right! I’ve diversified my portfolio across various market with the aid of an investment coach, I have been able to generate a little bit above $830k in net profit across high dividend yield stocks, ETF and bonds.

[@Eric_moore484]

Fantastic! can u share more details?

[@Grace.h-t8o]

The decision on when to pick an Adviser is a very personal one. I take guidance from ‘Amanda Kathryn Sachs‘ to meet my growth goals and avoid mistakes, she's well-qualified and her page can be easily found on the net.

[@johndone8045]

Get a nice 25k minivan, not suv, and case close Finance it and pay it off and dont buy another car unless it ran to the ground Payment is not a problem with a 25k car

[@someoneelse6934]

I remember Dr. Drew (Pinsky) saying once that girls with a voice like that were often times traumatized sexually at the age reflected in their voice. I swear I am not making that up and I hope it was not the situation for her.

[@talitaavanessian9213]

I’m in the same situation with my husband but I’m the 29 and he is the 32 acting like a 17 teen! About to file a divorce

[@tony.9363]

Ouch

[@luvcheneywasalegend9168]

Take your vows seriously.

[@mikesmith-wk7vy]

good luck finding a large vehicle for any less though .

[@pmart17]

10 year of car payments is the cycle of "trading up" every few years. The cars change but payements never go away.

[@jimmymcgill6778]

Who said 10 years? They sell this car, then puts it all towards the Yukon.

[@pmart17]

@@jimmymcgill6778 1:16 people fall into the cycle of trading up every few years and next thing they know they been making payments for 10 years

[@kristy1653]

⁠@@jimmymcgill6778She did. She said they’ve done the 10 years of car payments. Listen again. She doesn’t want to extend it anymore.

[@jimmymcgill6778]

@@kristy1653 That must have been with another car, or she's being dramatic. She said they can pay off this 12k car in 6 months.

[@emoney1231]

Why do you need more cargo space? You're not supposed to go on vacation until you're out of debt anyway. Unless all 4 kids play the tuba, you can "get by" in a 200" vehicle.

[@jalenmalone7808]

Gypsy rose?

[@miketheyunggod2534]

We are the Lollipop kids the Lollipop kids the Lollipop kids.

[@LifeHappens2]

I guess Bigger car means less MPG and higher maintenance expenses & insurance.

[@UneakTershai]

7:13 😂

[@stevenwalton6405]

I agree with Dave but a vehicle that size for 18k oof where

[@kbanghart]

I found a suburban for a good price, but it was before the pandemic.

[@AerynSB]

They're having a great time playing house

[@siegfriedbraun5447]

Here's how I view it from his POV; if I have to hear that voice, it's either a new car or cocaine 😮

[@asavannah7439]

I can’t believe there are grown women out there who talk like that 🙈🙊

[@qrcodeguy5669]

Is the caller gypsy rose??

[@JP-uy9kq]

Dr. John: "Immediately divorce so the 4 kids can grow up with a single mom!"

[@fauxbro1983]

More like: "are you safe?"

[@thomasorchard]

Chris Hogan: "hi Dave I'm here to host the show again" Dave, pulling out his 1911: "the flip you are!"

[@djpuplex]

​@@fauxbro1983Honey I'm scared.😂

[@aolvaar8792]

Unremarried mom, not single mom

[@lauren4078]

This woman has the sweetest voice!

[@Fedgery007]

Agree with comments, that voice is like nails on a chalkboard.

[@calebburghardt3391]

Where is there a full sized SUV for $18000 that’s less than 20 years old?

[@djpuplex]

Nowhere a $25k minivan is a stretch.

[@SJB2024]

We bought our 2011 Acadia for $7000 last year off Facebook marketplace

[@Aki_Lesbrinco]

@@SJB2024$7k for a 13 year old Arcadia? You got scammed hard.

[@RJ-cv2uw]

Is that my 13 year old sister, AY SHANIQUA IS THAT YOU. Hold on...

[@djpuplex]

I love how when wife calls husband gets bashed. When husband calls with the exact same situation it's sit her down and say I'm scared which a wife will fight to hold back her laughter or disgust. But as always bashing the husband is okay

[@fauxbro1983]

It's because fundamental ramsey knows that women need to be lead by a strong man. Burden of performance is on us (men). Hate to break it to you.

[@djpuplex]

@@fauxbro1983 That caller doesn't sound like a follower to me. They don't want to stay in their lane hard to lead that.

[@DudeMuscle]

@@thebeegood1731 You are wrong. They only expect men to follow traditional rules.

[@toyotas4ever]

As a husband, I know what it took to change my view of money. I bought what I want and when I want for many years. I don't look at this as bashing the husband, it just takes a lot more to get through a thick head. I'm so glad I swallowed my pride, and my wife and I now agree and plan together with our money and were able to become completely debt free last July. Dave's plan works, as long as a married couple works together and agrees to put the plan in action. It also has great benefits in strengthening a marriage. Peace y'all

[@kbanghart]

​@@fauxbro1983yep, fundamental patriarchy.. trying to force guys to be "alphas" when they really have no clue what that means

[@austinbuttenob5251]

Imagine going in debt for a *Yukon.*

[@fauxbro1983]

Auto manufacturers are fleecing the consumer for trucks and SUVs , but the pleebs are paying for them

[@danieljohnson4418]

After recently renting a 2023 Yukon Denali XL, I certainly CAN imagine going into debt for a Yukon. 😎

[@Aki_Lesbrinco]

I just don't get this obsession of driving around on huge trucks. They're the most uninspired type of vehicle on the road. They all look the same, drive the same and guzzle the same huge amounts of gas.

[@danieljohnson4418]

@@Aki_Lesbrinco: They don't all drive the same, which is why GM's full-size SUVs have consistently enjoyed approximately 70% market share in their segment. They are excellent people and cargo movers (second only to minivans and a select few crossovers), capable of towing substantial loads, reasonably capable off road, offer a commanding view of the road, make excellent road trip vehicles (minus the mediocre fuel mileage), and the list goes on. I currently drive a Prius but have historically driven sports cars (namely, Corvette and Camaro). Nonetheless, I understand the appeal of these behemoths.

[@drfattie]

How do some of these callers make it in?

[@kbanghart]

They call in

[@midlifecrisis7888]

How old is this caller ? 😂.

[@tubenachos]

Little people 🔥

[@benjaminhough8804]

There isn't ANY reason to buy a GMC, ever. Chevrolet is made by GM as well and is exactly the same vehicle for less. As a proud Chevy owner, I cannot understand why you'd ever buy the exact same vehicle at a higher price.

[@CarnivoreStork]

Are they actually planning to use the Baby Steps?

[@ROCKETS2965]

From the sound of it, I’d say Toddler Steps is more fitting.

[@chrissmith8469]

@@ROCKETS2965lmao

[@bebop504]

Girl put some bass in your voice.

[@maureenogorman8740]

Where can you get a large SUV for 18k ? 1998 ?

[@savedbyjesuschrist9748]

These comments are ensuring this young lady never ever calls Dave again lol

[@pewpewtactical5288]

“You do realize that they sell Yukon XL’s for 18k with over 200,000 miles on them don’t you?”

[@angryox3102]

Where are they finding a Yukon for under 50k?

[@kbanghart]

I just looked on CarMax, there are several. Unless you're talking brand new. But paying brand new prices is crazy.

[@Alex1234496]

Stop taking the Mickey out of Minnie!!

[@swarnasen1]

Not sure if 18k gets a good big suv that would not require frequent maintenance and burning gas like crazy. Plus kids safety. Not sure if it right advice

[@Aki_Lesbrinco]

All big SUVs burn gas like crazy

[@newsomsr2000]

What a borrowed money. Like 10 million with 0 Interest for 36 months. You know how many, how much Bunny you would make just off the interest.

[@socialdungbeatle]

Why are they so quick to bash the husband, and they only heard one side of the story?

[@cko8643]

Ohhhh, the comment section is brutal today. Guess I'm going to hell with all of ya.

[@chrissmith8469]

😂😂

[@meesh1002]

Glad I wasn’t the only person that thought is this chick 12? 😂

[@bantizzle79]

She should have called Dr John instead of Ramsey

[@stt5v2002]

Acadia is a good car and it’s perfectly fine for four kids. One of the most important wealth building strategies is to not pour money into vehicles. So many people make this mistake. It’s particularly common in the middle class because people who have almost no money can’t realistically consider buying a vehicle they don’t need. But people in the middle class really cannot afford to upgrade to expensive cars that they don’t need. That’s a purchase that only very wealthy people can actually afford.

[@analyticalchick3064]

Yeah the Yukon is like 90k new. I looked it up because I babysit for a family with one. Fair point though that they live in the mountains.

[@seadragon1456]

Just curious because this is my reality… I have a 2015 traverse with 140k on it. The timing chain area is leaking oil so the dealer recommends replacing it before it fails and causes the engine to blow. The engine is 6k plus labor and taxes. The timing chain is 3,400 with labor and taxes. I’m the second owner I bought it with 13k on it so the miles are mine and the vehicle has been routine maintained. It’s in great condition inside and out. It’s currently in the shop getting fluids flushed and a new power steering part since the fluid drained all over my driveway. So would it be worth it to invest a devaluing 10 thousand into the vehicle or buy a new one? I’d like to keep it as long as possible but I don’t want a money pit either. I did replace the transmission for 3k 3 years ago.

[@georgeslupski5987]

​@@seadragon1456your first issue is the "dealer says" .find a local guy who works out of his garage will so it for 800

[@thethoughtthatcountspodcas1581]

Suggesting to a woman that she tell her husband that she’s scared to death for their marriage because he had a $3000 idea is completely off-base

[@freeindeed8416]

Lot of silly people in this comment section. Her voice is the voice GOD gave her

[@Jss766]

Lol my vehicle is the good and reliable one and it was $5000ish.

[@zone-_-marauder4767]

So I’m 17 years old (junior in highschool) and I want to know how to deal with/handle my money for right now and for the future. I’m just now starting to watch this account and don’t fully understand all of the things they are talking about 100% of the time. Can anyone dumb down what investing really does for me? Also, can anyone let me know how to invest and what I should invest it. (Thank you for taking your time and reading this and please be patient with me as I know nothing on this topic.)

[@mariannebrandon8891]

This is very long be warned I’m not an expert but any means so take this with a grain of salt. Investing allows you to build money on money. Your money grows with time however there are risks. It’s good to invest so that way when you retire you have money to live on. Sometimes social security is not enough. Now as far as how to invest that’s up to you. Dave has his plan I say talk to a company like fidelity and speak to a representative they can explain investing to you and work with you on a plan that meets your goals. First though like Dave says and I agree get that 1000 emergency fund 2. Pay off any debt you have unless it’s a mortgage (hope not since you’re so young assuming no mortgage for same reason) 3. Build a 3 - 6 month emergency fund (important expenses like rent electricity etc things you need not necessarily want) 4. Now you can invest if your job has a match then invest up to the match and if you have anything left to invest open a Roth IRA Now some people will say invest while in debt again totally up to you but if you do invest while in debt budget carefully for what you are investing versus what you are throwing at debt don’t just invest a bunch and hardly make a dent in your debt it’ll set you back more Also investing is important but so is saving I recommend a high yields savings account Good luck

[@eringilligan8308]

The best place to start is with Ramsey’s Financial Peace University to understand the basics. Great job getting started young!

[@ccjdis]

Good thinking. Try saving 25% of income and when you have $1000 call an investment firm, like vanguard or fidelity. They help for free.

[@zone-_-marauder4767]

@@mariannebrandon8891 thank you

[@steelmill]

That Arcadia is probably on its last leg.

[@lot2196]

Yukon Cornelius.

[@lukechandler371]

Actually yeah trade for the Yukon the Acadia sucks

[@jasonjosephlee]

Living above your means will always keep you down. You have to delay gratification for a long time and invest in your future. Best thing I ever did was invest in rental properties. Takes a lot of hard work and saving but it can be done.

[@danieljohnson4418]

So, according to Ramsey, one is "childish" for borrowing money. Silly comment . . .

[@amireallythatgrumpy6508]

Yes. Unless you're taking a mortgage, there is no excuse for borrowing money. It's a sign of being disorganised and a failure to prepare.

[@danieljohnson4418]

@@amireallythatgrumpy6508: 🤣🤣

[@johncameron4194]

Her voice. LOL

[@CoffeenSpice]

They have to do something with the call quality... I can't even hear what she saying

[@deboramarcotte4203]

I think all the derogatory commenters need to GROW UP. PERIOD. Be humble and look in your OWN BACKYARD!!

[@myyt3824]

This lady is high as all get out on helium 😂