How Do I Get Current When I'm So Far Behind?

[@TheRamseyShow]

Say goodbye to debt forever. Start Ramsey+ for free: bit.ly/3g11A2V

[@damonleeb]

This is one of the few callers that actually appreciates the free stuff Dave gave him/her

[@MichaelAnderson-wk1no]

I wish the best for this guy and his wife. It's nice to hear a caller that's all ears and not just making a bunch of excuses.

[@gregoryking4796]

This man kicked me in the a$$ now I'm down to $4200 in debt from $25k three months ago. Still kicking and looking forward to more progress. Thank you sir and God bless

[@Astro95Media]

That's a tremendous leap! You're almost there!

[@BiggSneaddd]

Awesome man you got this

[@paulpetersen7041]

Great job I'm very proud of you!! If you can just sacrifice for the next couple years and keep it Lane work hard make more money in 10 years there's no reason why you couldn't be an every day millionaire. I wish you all the best.

[@gregoryking4796]

@@paulpetersen7041 oh for sure. Working two jobs currently and when this debt is paid off I'm going to attack savings and retirement investments. I'm 39 but I can make it happen

[@paulpetersen7041]

@@gregoryking4796 you will! 🇺🇸

[@jaykesharobertson7744]

It's only when you are willing "to do whatever it takes" when you can truly turn your life around.

[@ghostmane2643]

FACTS

[@ruthav8580]

This is why I love the Dave Ramsey plan. He literally gave that caller the confidence and tools to conquer his desperate situation.

[@hollyb6885]

This was such a good call. Dave calmed the caller and gave him good advice to get his debt under control and paid off. I hope this caller does well.

[@nocigar7730]

850 in car payments, good grief. Car debt is always the most shocking to me. Glad this guy is ready to turn it around.

[@cachem11]

My car payment is even more than that because I am on 24-month term.

[@nocigar7730]

@@cachem11 i hope you are making a 6 figure income

[@jillgott6567]

Last caller I listened to owed $10,000 on a car, $9,000 on a truck, and $11,000 on a motorcycle. They made $75,000/ year and were $100 in the hole each month. $30,000 worth of vehicles ! Between that call and this one I feel stressed

[@DeezyDesoto96]

I definitely got screwed on car payments due to low credit as well. I was thinking now I gotta find a cheaper buy out car or just tough it out with this one. Trynna refinance right now to see what my options could be. Currently 27. About $2k in debt currently. $640 monthly car note $460 insurance (gotta have full coverage on those financed cars)

[@ChazWilson-o7l]

How do you get out of that car payment?

[@ggwoman]

Drop the cable, get a simple, cheap phone plan, sell stuff, make your own coffees and meals. Cook from scratch.

[@colemanhigley747]

Brevity is the soul of wit. You have summed up the whole process in a sentence.

[@timetowakeup6302]

Yeah that's the way to do it. My wife and I got rid of all that junk and we quit eating out. On top of saving the extra money we are much healthier now.

[@ellencox8415]

Carpool with your spouse. My husband and I thought we couldn't do that, but we figured it out and it has made us closer because we have just the two of us time.

[@virtuosowins]

What's a cheap phone plan like in the USA ?? I don't know so I ask.

[@SG-zh5xd]

Get a antenna now a days digital air waves have tons of shows .

[@bloodserpant]

5:31 "to get the electric CURRENT" I laughed a bit too hard at that none intened pun.

[@Fishouta]

Me too, lol!

[@pauljinadu]

Nice one

[@LittleMopeHead]

"Electric bill current"

[@teesellz7692]

When you are real about your situation That's the best way to get through it

[@greggonzalez859]

I heard this in the car and I prayed for him and his wife. Lord hear our prayers.

[@random-nz7dy]

I like the way this guy is talking. He knows the numbers, he recognizes that they need redirection, and he seems willing to revamp his life. I hope he takes it seriously and gets on the plan because with his income he should be able to turn this around a lot more quickly than he realizes.

[@Black_Jesus3005]

Dudes car payments is more than my rent. That’s nuts.

[@webfreakz]

I bet his IRS payment is more than your and my rent check together!

[@webfreakz]

@@user-qx1xr3ee8x are you even making money with this nonsense?

[@kenengland3700]

His car payments are almost my mortgage.

[@mariaclayton9892]

Riddle me this......how can you sell a car that is upside down like that? You will owe the finance company and they will come after you for the difference. Isn't that another bill?

[@HitmanChase]

Reduce unnecessary spending

[@sl66ggehrubt]

New guns and ammo is not unnecessary.

[@jimroscovius]

@@sl66ggehrubt Guns are a hobby, so they are not necessary when getting out of debt.

[@DeezyDesoto96]

@@jimroscoviusright nothing to protect anyway lol

[@jimroscovius]

@@sl66ggehrubt Not necessary when you don't have anything to protect

[@countdown2xstacy]

“Well, the moral of the story The moral of this song Is simply that one should never be Where one does not belong So when you see your neighbor carrying something Help him with his load And don't go mistaking Paradise For that home across the road”

[@katythebeauty330]

He’s determined and you can hear it in his voice. He’s got this!

[@preston0808]

Dave, make this guy and his wife an ongoing project, and provide update vides as they go along. They're going to need to accountability. They can do it, but they need the consistent help.

[@l.a.picasa]

This is our situation almost to a T... just add almost 2 mos behind on rent. When he said "We're tired", I felt that! I'm physically and mentally exhausted to the point that the chronic stress has led to depression and that's not helpful to my congenital heart condition. I'm so glad I found you Ramsey!! I can't wait to get started TODAY!

[@kellyannmanning4614]

I am still in survival mode while debt free and it's paying off! Keeping it going. I hope he can do it. I really think he will!

[@manderm]

I must admit, I'm debt free full emergency fund, and investing and I still feel in survival mode. After becoming debt free I feel like I have nothing extra then the basics to spend on. Sounds like you are the same?

[@LCmonman]

He was humble and READY!!

[@ResidntPresident]

This is where Dave really excels. He was so attentive to each detail of the call. Love seeing that!

[@sXePunkV2]

They filed for bankruptcy and didn't learn a single thing! 40K to the IRS?!

[@knucleballfreedom]

Bankruptcy does not come with a new financial lesson with it

[@TimeisUp22]

If you filed bankruptcy does that stop the IRS?

[@jimroscovius]

@@TimeisUp22 No, it does not. IRS debt and student loans are NOT bankruptable. Neither is your house if you want to stay in it. Bankruptcy is usually a dumb idea.

[@Diana-ro2xj]

I love Dave’s compassion!

[@ainurabeisheeva3415]

This was so helpful for everyone, even if you are not in that situation but as a reminder.

[@blairkinsman3477]

I REMEMBER being there it was about 10 years ago I owed 107 grand at probs close to the same income .. my car loan after bankruptcy was at 29.9% (yep I said twenty nine point nine percent) .. Xavier this baby step process WORKS u guys can get there .. make friends through FPU with others and get through it together .. 💯worth the effort

[@jeanc819]

To get to your better financial self, you need to sacrifice your wants in order to focus strictly on your needs.

[@TAPPChannel]

19k on the car and he bought it almost 10years ago? Wth?! 😬

[@RonJohn63]

3/4 through the video... "How much is your car worth?" "I ran the numbers, and we owe $40000 to the IRS." Sigh.

[@Hiddenangell1270]

I can't believe all the judgemental rude comments from people on here. You don't know his situation or details and you should focus on whatever blessings you have that is preventing you from being in his shoes, and not judging others.

[@GiantsWS]

I can't believe you are judging and so judgmental about the comments on here. How dare you judge others and their comments? You don't know the posters' situations or details and you should focus on not posting racist and judgmental comments on this site. See how that works? You're the worst of the bunch.

[@untouchable360x]

This is a bad habit problem. When you're in your 40s, it's very hard to change those habits.

[@DavidEVogel]

You are correct. Changing a spender into a saver it next to impossible.

[@jbunk2109]

It is beyond difficult. This is where I am now not 41 years young. Trying to change my mindset on money and my attitude toward budgeting. It’s sooooo hard.

[@kimberlyturner820]

...but not impossible😌

[@DavidEVogel]

@@kimberlyturner820 Lets get back with the caller in 12 months. I have $100 that says nothing has changed. Are you in?

[@kimberlyturner820]

@@DavidEVogel No, but I do think he will change.

[@Takar100]

Debt free is the way to be....that should be a slogan they push in schools, similar to "just say no".

[@arlenedennis9446]

I agree ! Been teaching my 14 year old son about money now so he doesn’t have to go through the things I did .

[@DebtFreeDad]

Budget, reduce spending, get a side hustle, target smallest debt. My guess as to the advice. FPU changed my life for the better.

[@ayela562]

Mine too . And I think the biggest boost came from realizing there were other people just like me and we had a way out . Community and support are amazing .

[@DebtFreeDad]

@@ayela562 💯 facts help convince the wifey we can tackle over 200k in student loans. Go figure Dave convinced her and I couldn't 😁😒😂

[@KelleyByrdsong]

“A big butt cable bill.” 😂 This is one of my favorite calls. I like the guy that called in. Two years later I hope they’re in a much better place and I have a feeling they are. 🙏🏽💛

[@cita_m]

This man fills my spirit with hot and perseverance! I wish him all the best and hope he and his wife are in a good path today. Godspeed, sir!

[@NewVibrations522]

One of the best episides... it spoke to me. I've been there. I appreciate Dave and Ken hearing and effecting solution in his situation. It was good to hear the compassion and teaching direction given.♡

[@janethughes2775]

We don’t go out much even though we have ZERO debt (not even a mortgage). We cook healthy meals at home.

[@ThePeterDislikeShow]

May I ask how you met each other? If I cooked every meal at home I'd be even more isolated than I already am.

[@wewhoareabouttodiesaluteyo9303]

@@ThePeterDislikeShow There are some females that are old school. They will literally cook everyday or on the weekends. Few and far in between

[@ellencox8415]

There just better frankly.

[@janethughes2775]

@@ThePeterDislikeShow we met in grad school. Neither of us had money so together we learned cooking and financial management 🤣

[@ThePeterDislikeShow]

@@janethughes2775 Is it too late to meet someone once you begin your career? I've always wondered.

[@shauleen]

Raising a prayer for this guy and his family. Lord please strengthen them as they rebuild🙏🏽

[@robertclontz3728]

This husband and wife team are IN IT TO WIN IT!

[@virtuosowins]

He seems like a nice guy. Wish him well.

[@Another80sClaire]

Good luck to you Xavier. It will be worth it! Freedom is coming 😊👍🏼👌

[@edjohn4590]

Beans an rice… rice an beans… scorched earth baby!!!!!

[@Jarg555]

This one made me happy. Hope they make it!

[@GabrielMartinez-sd8pc]

This caller, I want to know to know his life now. Talk about a willing soul!

[@FrankS111]

Prime example of why we need to teach financial information in schools not CRT garbage. Filed bankruptcy and STILL bought cars they cannot afford

[@pattyajones]

Oh man, please do an update on Xavier. I pray he was able to get out of that mess and is now on his way to being an "Everyday Millionaire".

[@ronaldackerman7383]

Finally I'm sorry someone I can relate to thank you

[@Tomlin80iu]

Great call.

[@lnvsetopad6697]

Thanks for watching . For more guidance and information . +1..4..0..2..3..7..0 ..9..2..6..2 W.H.A.T.S.A.P.P√√√

[@netrunner2922]

That's why I don't own a car in a megacity. Payment is huge. The parking fee is huge. Maintenance is huge. Everything is huge.

[@rkotitan10]

Good advice Dave. You motivate me every video you post!

[@between_the_lines12]

Hard work can get you anywhere

[@misslmnop8680]

I hope this caller gets a Ramsy update. Where he claims he & his wife are Debt Free 😁. I'm cheering for you & your wife.

[@irina383]

Goes to show you that bankruptcy is not the cure. Habits of borrowing and living large remained.

[@moneyrulesinvest690]

W•.H•.A•.T•.S•.A•.P•.P +.•1.•2.•2.•4.•7.•0.•7.•4.•7.•5.•9

[@FrankS111]

Just look at lottery winners and professional athletes who win or make millions and still end up broke years later. Proof most people don’t have an income problem but a spending problem

[@neolithic3]

Never fails to amaze me that people who are struggling to pay their utility bills and don't have a $1000 to their name still go out and buy brand new expensive cars. Imagine being in your 40s and not have any investments or savings....yikes.

[@WolverineIncognito]

How far behind are you on the electric, what’s it take to get current ? 😆

[@kbonce4669]

This why I Love Ramsey Solutions!

[@christalisaias7236]

To be humble and show grace. Well wishes from AZ!

[@metrorealty7631]

Ditto.

[@queen.kristal8395]

Wow so ridiculous!So much debt but not taking care of any kids.$90k is enough for two people ,they just spending like crazy and they know that.

[@ghisellesimon162]

They do 90k is good for people without kids they aren’t responsible

[@wakeupstylellc]

Wow $800 a month for two?? I’m over here at $175 a month for my daughter and I .. I do share custody of her, so half the time she is at her dads. But still 👀 . We are blessed to have people who give us food and we make it work with cheap pasta and oatmeal, and protein shakes for me. This month I’m finally debt free!!!!! 🎉 ❤🎉

[@jillianboone-gonzales3859]

I wish there was a follow up to this call. I’m watching more than 2 years later and this guy sounds gazelle intense👍

[@blackworldtraveler3711]

It’s always the cars.

[@patriciaikeda2608]

YES IT IS. Very expensive to be pretend rich

[@cutandgo]

Phew! That is a scary situation to be in. I wish them both all the best

[@isabelbecerra9258]

Xavier “is all in!” He will be a Ramsey success story!

[@don-michealbell6303]

Love it! Felt his pain

[@alexanderbreschi90]

89k and can’t pay the bills? Wth

[@user-qx1xr3ee8x]

*Thanks for your comments.. Try something new today!!! W•h•a•t•s•A•p•p n•o•w +•1•3•3•7•7•8•0•8•4•4•2

[@nephetula]

How do you get your bills current? Man, STOP BUYING STUFF! "Fill the hole first, and then worry about bailing out the boat."

[@donaldlyons17]

I agree with your assessment that filling that hole is a lot easier. I don't think they wanted to live cheap to begin with so may be part of the problem. It may be better to bail out the boat faster rather than fill the hole. I do not know what is possible b/c he owes back taxes and I think he is self employed. Your quote: (How do you get your bills current? Man, STOP BUYING STUFF! "Fill the hole first, and then worry about bailing out the boat.")

[@liamcnews6618]

How do i call to ask for advice?

[@danlee27]

They got this! I can hear it in their voice

[@suzum.9713]

Awesome call!

[@alqoshgirl]

$800 on food. That’s too high! I used to budget $400 before the inflation for a family of 6. I upped it to $700 now

[@stevenprice2976]

Question: How do you eat an elephant? Answer: One bite at a time.

[@alexanderbreschi90]

My dad says that a lot

[@lkj0822g]

This type of scenario is where the Ramsey Baby Steps can really help someone. I disagree with a lot of the Ramsey stuff, but he was spot on here. The main thing here was this caller's attitude, he was sick and tired of being behind the 8-ball.

[@happilysmpl]

Question - Is it really all that problematic to do restaurant jobs that have option to put in only 20 hrs per week as extra income source? These jobs are available I suppose??

[@bgbell3049]

Wonder how they are doing a year later. Would be a very good podcast. Real life story. They’re the best.

[@evelynherrera-gonzalez1474]

I really hope that this caller and his wife are in a much better financial situation today.

[@lissyb3314]

Good info

[@niteshtak12]

wish them all the best, they're going to make it

[@juststoppingby390]

Great question that's where we all start

[@emanuelsanchez180]

I have a network of 75k and still have a little over 10k in debt and I feel like I'm behind.

[@MrOfficer235]

$850 in car payments. Unbelievable

[@ThePeterDislikeShow]

$800 for food for 2? I can eat like a king on that budget especially if I actually listened to Dave on not eating out.

[@ryankelsey9646]

That's about how much I wasted monthly on McDonald's in the past from ages 18-25. I'm 26 with much better habits now thankfully.

[@rethinkcps2116]

Add these costs to 'grocery' shopping cart, you get closer to $800 for two. Household cleaners, paper products, pet items, OTC health, hygiene & personal care (sunscreen = $$$.)

[@patriciaikeda2608]

I spend 800 a month in food, but we eat really healthy. Most of that cost is buying bulk meats when they are on sale and freeze them, but 200 a week for healthy fresh meals at home worth every penny

[@ThePeterDislikeShow]

@@patriciaikeda2608 That's good. I see so many people who "can't afford to eat healthy" but they sure have a lot of money to spend at McDonalds and Starbucks. Isn't it funny how quickly they can adjust the excuse? But then I don't have time to cook!

[@Overly_Hydrated]

My question is. Can I actually live off rice and beans? I’ll eat it for a year if it keeps me alive but will it?

[@PatriciaCV9]

Add an egg for a bit of protein+cholesterol.

[@ggwoman]

Grains + legumes = complete protein. Add a salad or steamed/stir fried vegetables and fruits in season every day, egg, poultry or fish and you will have great complete, healthy nutrition at the least expense. Cooking simply from scratch is key.

[@wewhoareabouttodiesaluteyo9303]

Get some orange juice every once in a while. Scurvy

[@omnimoeish]

Makes $89k and can’t pay his $200 utility bill?

[@darlene971]

That's what i was thinking. But i guess some people never learned how to control their spending

[@Telecasterfan]

Dave needs an intake person to require all callers to have their numbers written down before letting them on air. Household income, all debts spelled out one by one. Painful to listen to people figuring that stuff out in real time.

[@wewhoareabouttodiesaluteyo9303]

It needs to come off real though. If it was like that, it would be too scripted.

[@unboundbytiffany]

I guess this makes sense being 5 years old, the amount taken out of paychecks to make the net take home so low is not that far off of my household's paychecks, and we dont get huge refunds, im lucky to get one, hah, but only because of my son now, but 5 years ago it wasn't that bad so i get it. Now though, ughm it's ridiculous, the amount that is taken out. None of it for insurance nor 401k either. State of hawaii sucks. I officially think weve been priced out of paradise in every area now. I was raised and had my kid here, cant imagine moving, heck the dang flights are a fortune to begin with, but might have to. Hmmm.

[@tailsplayspoker9352]

Why do people have car payments?!!

[@annetraut8247]

42 and his kids are "gone and married"????

[@tequisaholloway1738]

You're going to be eating beans and rice and rice in beans. DAVE : im giving u $800 a month for food. Lol

[@liamcnews6618]

How do i call in?

[@tanicefort5260]

Dave didn't say tithe? I've been having an internal battle in preparation for July's budget.

[@alladreamwedreamed]

Tithing doesn't come into the picture when you're in this much money trouble. They're in as much debt as they earn in annual salaries, and they've had bad money habits for decades. They need to get caught up first, it would be irresponsible to do anything but pay down those bills.

[@tanicefort5260]

@@alladreamwedreamed That's true. Good point.

[@andrem1238]

Sell the car, sell the cat, rent out a 1 bedroom. Rice and beans/beans and rice. GAZELLE INTENSITY BABY

[@markwint605]

Bro your situation is not that bad you can do it.

[@TestTest-ei4gi]

Dave was not having it lol right away offering Ramsey+

[@lelebella3252]

Food isn’t first HOME is. I’d rather be hungry over homeless…. Not full and homeless

[@bigd9040]

At first this guys numbers just didn't make sense, not with this good income. But then I heard about all the IRS debt and stuff :/

[@tmurrayis]

This call is so inspiring! Good on Dave for comping his merch to this couple. Worthy recipients IHMO. "Giving Is the Biggest Reward” Excerpt From: Dave Ramsey. “The Total Money Makeover Workbook.” Apple Books.

[@Dexterityshow]

Dave didn't say "better than I deserve"

[@murrayw17]

Dave is good not better than I deserve what’s wrong with him 😂

[@makemelaugh1337]

Immediately have a yard sale

[@user-qx1xr3ee8x]

** Thanks for your comments.. Try something new today!!! W•h•a•t•s•A•p•p n•o•w +•1•3•3•7•7•8•0•8•4•4•2