“I Don’t Know if You’re Actually Going To Do This”

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The Ramsey Show Highlights

The Ramsey Show Highlights

Күн бұрын

Пікірлер: 612
@lburroughs2012
@lburroughs2012 18 күн бұрын
Bless her heart, she’s clueless.
@drn13355
@drn13355 17 күн бұрын
She is less clueless than her boyfriend. At least she sees the problem and is trying to work on it.
@zerafians8145
@zerafians8145 16 күн бұрын
they need an adult with life experience to help guide both of them a little. If either of them have a mother/ father, unless they dont know about the relationship, theres no excuse for letting your daughter and son do this on their own.
@AnnMitt
@AnnMitt 18 күн бұрын
There are certain KZbin channels bashing Dave, but his advice is spot on 💯.
@amireallythatgrumpy6508
@amireallythatgrumpy6508 18 күн бұрын
Yeah most of them are just using his name to boost their own profile.
@nitacollins9543
@nitacollins9543 18 күн бұрын
@@amireallythatgrumpy6508YUP😂😂😂
@thecramptons
@thecramptons 18 күн бұрын
I had this discussion the other day
@JoeRNNE1
@JoeRNNE1 18 күн бұрын
As Dave always says, don't combine your finances or assets with someone to whom you are not married. If you break up, it can get extremely difficult and costly to sort things out. This caller's heart is in the right place, but her lack of knowledge and understanding is a great example of why we should have a mandatory personal finance class in every high school.
@DFullerLisa
@DFullerLisa 18 күн бұрын
I love dad Dave coming out!
@floresnashvilledrummer
@floresnashvilledrummer 18 күн бұрын
He definitely has a soft spot.
@NewGuy2024
@NewGuy2024 18 күн бұрын
I like how Dave sets folks (especially the Millennials and Gen Z) straight off the bat in the discussion about how to define "WE" before thinking of tackling life financial issues as a couple.
@analyticalchick3064
@analyticalchick3064 18 күн бұрын
Yeah shacking up has been normalized.
@miketheyunggod2534
@miketheyunggod2534 18 күн бұрын
Ok Boomer.
@jesssc402
@jesssc402 18 күн бұрын
Because a lot of boomers and gen x marry only to divorce
@aolvaar8792
@aolvaar8792 18 күн бұрын
I rock climb with my wife, as she tied off to me. She says: " you slide, I slide, you fall, I fall, you die, I die You may have known a lot of rope cutters; I am not one." NEVER marry a woman unwilling to kill for you or die with you!
@GAFB1122
@GAFB1122 18 күн бұрын
The last minute of this video was spot on. There is enough nationwide data on the reasons and predictors for poverty that accurate statistics can be made. And statistics are statistics. While it is possible to do nearly everything wrong and be an anomaly and successful the statistics are NOT on your side. Life is hard enough even when you are doing everything right. Don't make it unnecessarily harder by making poor decisions. That is the lesson I taught my kid!
@Ja50nkAt
@Ja50nkAt 18 күн бұрын
3 years engaged and no date set. How do people not seriously question if it's real or not?
@rcathegreat4358
@rcathegreat4358 18 күн бұрын
@@Ja50nkAt the same way people fake it through actual marriages 🤣🤣 why do y'all pretend that marriage means good. Or marriage automatically means healthy relationship.
@analyticalchick3064
@analyticalchick3064 18 күн бұрын
@@rcathegreat4358 You missed the point. It flew over your head.
@rcathegreat4358
@rcathegreat4358 18 күн бұрын
@@analyticalchick3064 I definitely didn't. Asking someone why they aren't married is implying that marriage means they are serious. You can be dead serious and all about your person without marriage. Just as you can be married and truly hate the other which 40-50% seemingly do. Based on data
@gravyyybot28
@gravyyybot28 18 күн бұрын
@@rcathegreat4358squeaky wheel gets the oil. most people are happily married, just not running outside and yelling it from rooftops
@seanleblanc8784
@seanleblanc8784 18 күн бұрын
He's stringing her along.
@TerryOnDemand
@TerryOnDemand 18 күн бұрын
Bless her heart. He has no intentions on marrying her.
@DaizyEckleburg
@DaizyEckleburg 18 күн бұрын
Exactly.
@luminous6969
@luminous6969 18 күн бұрын
Well if she's gonna let him have all the benefits without the commitment, why wouldn't he take her up on such a sweet offer? It's like women stringing guys along for free meals and gifts, if the guy's willing to keep shelling out money, why wouldn't she keep taking him up on it?
@jillgott6567
@jillgott6567 18 күн бұрын
​@@DaizyEckleburg Yup
@zybard01
@zybard01 18 күн бұрын
you talking about the call, or you deflecting you own personal situation?
@maryannenizio5074
@maryannenizio5074 18 күн бұрын
she is clueless
@James_Hough
@James_Hough 18 күн бұрын
Generally, if you don't get married within about 18 months of the "engagement", you're not engaged. You're living together and you want to have something to call each other rather than "boyfriend" and "girlfriend".
@TXPrincessPaula
@TXPrincessPaula 18 күн бұрын
Probably because the term "fornicators" does not have the same ring to it.
@jillgott6567
@jillgott6567 18 күн бұрын
I know a woman in her 60's. Engaged now around 29 years. When I met her years ago, she had already helped him raise his children. SHE was living in a subsidized apartment in his name. HE was living in a house she was paying rent on. THEY did not live together and I do not know how they avoided arrest. She had to rent another apartment, lost her car. Walked to work to her first job, took cab to her second job and home. He could not be bothered to leave his house in a town a few minutes away to take her to and from work. They saw each other on weekends. This is one of the few calls I agree throughly wirh Dave. This couple are in an unsafe situation.
@cherrypieforbreakfast1499
@cherrypieforbreakfast1499 18 күн бұрын
"Paint or get off the ladder." Dave's G-rated version of "either sh!t or get off the pot."
@stevenporter863
@stevenporter863 18 күн бұрын
I thought she took it as something else X rated. 😂😂😂
@CashTerry-g2m
@CashTerry-g2m 17 күн бұрын
Merry Christmas 🎁 I'm glad you made this video it reminds me of my transformation from a nobody to good home, $34k monthly and a good daughter full of love
@Grayoakley-k1m
@Grayoakley-k1m 17 күн бұрын
My advice to everyone is that saving is great but investment is the key to be successful imagine investing $15,000 and received $472,700.
@Noaharth22
@Noaharth22 17 күн бұрын
wow this awesome I'm 47 and have been looking for ways to be successful, please how??
@VivianGonzalez-bz1tp
@VivianGonzalez-bz1tp 17 күн бұрын
Making touch with financial advisors like Elizabeth Regina Nelson who can assist you restructure your portfolio, would be a very creative option. Personal financial management will be crucial to navigating the next difficult times
@VivianGonzalez-bz1tp
@VivianGonzalez-bz1tp 17 күн бұрын
Elizabeth Regina Nelson has really set the standard for others to follow, we love her here in the Uk 🇬🇧 as she has been really helpful and changed lots of life's.
@Tarryma-n1j
@Tarryma-n1j 17 күн бұрын
Unfortunately, not all of us were financially literate early. I was 35 when I finally educated myself and started taking steps. I went from $176,000 in debt with zero savings or retirement to now, 2 years later, fully debt-free and over $1000,000 net worth. I know that doesn't SOUND like a lot, but I'm incredibly proud of it. Now I'm fast-tracking my wealth building (investing $400,000 annually) and don't owe a dime to anyone. It's a good feeling!
@amymusick5455
@amymusick5455 17 күн бұрын
"Our precious Madeline." Love it.
@tubenachos
@tubenachos 18 күн бұрын
Is this a mortgage or lease? Caller: Yes?
@ChulaChecora1
@ChulaChecora1 18 күн бұрын
Como iniciante, o que preciso fazer? Como posso investir, em qual plataforma? Se você conhece alguma, por favor, compartilhe.
@TravusScoop
@TravusScoop 18 күн бұрын
Acordar todo dia 14 de cada mês com 210.000 dólares é uma bênção para mim e minha família... Grande gratidão a Sonia Duke 🙌🏻
@KoniOmah
@KoniOmah 18 күн бұрын
Negociar com um especialista é a chave para negociar com sucesso
@PorscheMaria-i8k
@PorscheMaria-i8k 18 күн бұрын
Sim, 253 mil do duque Sonai, procurando adquirir uma nova casa, bênçãos.
@EmirateJeff
@EmirateJeff 18 күн бұрын
Investindo $ 15.000 e recebendo $ 174.000
@ChrisMcCannj
@ChrisMcCannj 18 күн бұрын
Estou feliz em escrever para ela, espero que ela me ajude a administrar meu salário corretamente☺️☺️☺️
@B.H.56
@B.H.56 18 күн бұрын
I notice the people who have a lot of CC debt, he never asks them, What did you spend it on? Was it splurges, impulse purchases, or you needed it to survive (medical bills, etc).
@canecorsomom2023
@canecorsomom2023 18 күн бұрын
Medical bills can be put on payment plans without interest I used to bill and did it all the time with patients. No reason the out them on a credit card
@MuzzyBarker
@MuzzyBarker 18 күн бұрын
He doesn't care.
@MillieonaVespa
@MillieonaVespa 18 күн бұрын
It doesn’t matter ..debt is debt …if you needed a credit card to buy it ……you couldn’t afford it to begin with ..
@rahuliyer7456
@rahuliyer7456 14 күн бұрын
Every day my wife and I get on her younger cousin. He is in university studying computer science. He spends money like water .. Starbucks Uber Eats GrubHub Eating out Other splurges He just rolls his eyes when my wife politely asks him what happens after university? How will he pay for his lifestyle...in May?...it is almost January now.
@MuzzyBarker
@MuzzyBarker 14 күн бұрын
@rahuliyer7456 Does he spend money on anything besides food?
@RecoveryAndLife
@RecoveryAndLife 17 күн бұрын
3:04 “this is what I was talking about before I started talking” 😂
@stevenporter863
@stevenporter863 18 күн бұрын
She is 24 and bought a house and doesn't even realize it!😂😂
@pitbull7885
@pitbull7885 18 күн бұрын
How did she get approved for a house at $240,000 and making only $38,000 a year. That makes no sense!!!!
@ryanwilliams7664
@ryanwilliams7664 9 күн бұрын
They for sure cosigned. There's no way she qualified for that mortgage alone.
@2013aurora
@2013aurora 18 күн бұрын
How in the world did she get qualified for a 234k house making 38k? I bought a house in 2019 making 80k. Now I’m married and make significantly more money. Still on the same house making 280k combined. She cannot afford this house.
@HOLDXSTEEL
@HOLDXSTEEL 18 күн бұрын
Says you
@jimmymcgill6778
@jimmymcgill6778 18 күн бұрын
Maybe she as making more before that.
@jimroscovius
@jimroscovius 18 күн бұрын
​@jimmymcgill6778 No, she wasn't. This couple is braindead!!
@2013aurora
@2013aurora 18 күн бұрын
And Dave and John. So there’s that.. And she’s calling because she knows she can’t.
@reese85
@reese85 18 күн бұрын
On a 30 yr mortgage, how much you think the payments would be? Can’t really be much on a $200k house
@Echodot232
@Echodot232 18 күн бұрын
How in the world at 38 000 a year u get a mortgage over 200 000. Omg wow
@livingunashamed4869
@livingunashamed4869 18 күн бұрын
Banks will lend out anything these days.
@lot2196
@lot2196 18 күн бұрын
Banks are the problem.
@tjbalistic
@tjbalistic 18 күн бұрын
Parents probably cosigned.
@reese85
@reese85 18 күн бұрын
A 30yr mortgage on a $200k house can’t be a lot
@AbbyC543
@AbbyC543 18 күн бұрын
Maybe he contributed to the down payment…. But his name isn’t on the mortgage?????
@ellaaysun6181
@ellaaysun6181 17 күн бұрын
I hope we all know that it doesn't matter who is in the 'top job' because this is a systemic problem -- greed. We have allowed many of our economic sectors, to take advantage of the American people. It's disgusting and frightening for the future of our country. My husband and I will be retiring in the next two years n another country. We are absolutely worried that SS! will no longer be funded. we'll have to rely on his pension, a 403 (b) and a very prolific Investment account with Stephanie Janis Stiefel my FA. Our national debt is bloating and expanding every month. Our government needs to get spending under control and cut the federal budget.
@SissyJosito
@SissyJosito 17 күн бұрын
I know this lady you just mentioned. Stephanie Janis Stiefel is a portfolio manager and investment advisor. She gained recognition as an employee of neuberger berman; a renowned investor she is. Stephanie Janis Stiefel has demonstrated expertise in investment strategies and has been involved in managing portfolios and providing guidance to clients.
@MafArdoleda
@MafArdoleda 17 күн бұрын
I’m planning on moving to Thailand in the next 5 years if trump’s government doesn’t do anything with the high prices of groceries and taxes What about you??
@KarencitaSacher
@KarencitaSacher 17 күн бұрын
Been debt free for two years thanks to Stephanie Janis Stiefel. So sad to see my friends in their 40s with car loans, mortgages and credit card debt.
@LuuzbelitoPirogovsky
@LuuzbelitoPirogovsky 17 күн бұрын
Please stop gentrifying countries
@LuuzbelitoPirogovsky
@LuuzbelitoPirogovsky 17 күн бұрын
How can i reach Stephanie if you don't mind me asking? Heard she’s an IA.
@imaliveinjesus
@imaliveinjesus 18 күн бұрын
Poor girl has absolutely step out WITHOUT any SAFETY NET, period. Living our lives by the BIBLICAL STRUCTURES cannot be expressed strongly enough.
@Bluetreez
@Bluetreez 18 күн бұрын
Oh shut all the way up
@analyticalchick3064
@analyticalchick3064 18 күн бұрын
Our society used to call this shacking up, but the young people starting with my generation (X) started doing it and it's to the point where it's normalized. You can whine all you want, but shacking up and kids out of wedlock are messy ways of living life. I'm not a Christian, either.
@reese85
@reese85 18 күн бұрын
It’s always been normalized
@analyticalchick3064
@analyticalchick3064 18 күн бұрын
@@reese85 No, it hasn't. It definitely wasn't normalized when I was growing up.
@reese85
@reese85 18 күн бұрын
I’ll be 40 next yr and this has always been normalized.
@tracyaf6084
@tracyaf6084 18 күн бұрын
40 years is not nearly long enough to qualify as forever. 😊
@reese85
@reese85 18 күн бұрын
@@tracyaf6084 I didn’t say for forever, I said “been” big diff lol
@derrickbell3087
@derrickbell3087 18 күн бұрын
You don’t know what you make a year and the difference bewtwren renting and owning a house but you want to get married?! This is a wake up call!!!! $38k is not enough money. They need to be making $50k a pics minimum
@travisbickle1455
@travisbickle1455 18 күн бұрын
Girls, please stay in school. This is what girl math is like.
@bekayezme
@bekayezme 18 күн бұрын
That guy has his cake and eat it, too. And he can leave and she’s stuck.
@haloimplant7678
@haloimplant7678 18 күн бұрын
Isn't she also 'stuck' with any equity built up in the house? She's in a mess getting out but it's bad for both of them
@opinionbytriz
@opinionbytriz 18 күн бұрын
I don't get that saying. It doesn't make sense. If it's your cake you should be able to eat it too. But the implication is that you can own a cake & eat it.
@haloimplant7678
@haloimplant7678 18 күн бұрын
@@opinionbytriz it's an unclear saying but the idea is that once you eat the cake you no longer have it. If the order was reversed, eat your cake and have it too, it would be clearer but not sound as good
@opinionbytriz
@opinionbytriz 18 күн бұрын
@haloimplant7678 OH that makes sense lol But the saying definitely doesn't sound clear like your explanation
@nicokl5593
@nicokl5593 17 күн бұрын
@@opinionbytrizI am so glad to read this because I have been saying this for years. Like what in the world is that saying, it never ever made any sense at all. Nice to meet you. You are the first person other than me, that I have heard question this ridiculous saying. Cheers 🥂
@blakeharrison3972
@blakeharrison3972 18 күн бұрын
I will never understand the long term engagement with no wedding in sight, just stay boyfriend girlfriend at that point
@rcathegreat4358
@rcathegreat4358 18 күн бұрын
@@blakeharrison3972 same way I don't understand quick engagement and quick marriage and then quicker divorce. Which once is worse?
@analyticalchick3064
@analyticalchick3064 18 күн бұрын
They use fiance/engaged to let people know they are more "serious" aka shaking up. The youth are trying to change language.
@Fred2-123
@Fred2-123 18 күн бұрын
Our engagement was about 2 weeks. Ask, accept, courthouse to Justice of the Peace for the wedding. The wedding is for us, family & friends come later.
@analyticalchick3064
@analyticalchick3064 18 күн бұрын
@@Fred2-123 I had to pack up my apartment, but ours was short, too. We used a place called the Hitching Post.
@todd2324
@todd2324 18 күн бұрын
​@analyticalchick3064 There are couples in their 40s and older doing this.
@trainboy192
@trainboy192 18 күн бұрын
Ladies, stop putting yourself in these situations. Get married if you’re playing married anyway.
@stevenporter863
@stevenporter863 18 күн бұрын
Dave would say correctly (paused before his advice) 1. Get married today 2. Sell the car and get a cheap one for the time being 3. Pool your cash and attack the huge mortgage (she thinks lease) relative to the combined $60k income.
@untouchable360x
@untouchable360x 18 күн бұрын
"Don't put the cart before the horse."
@74GenX
@74GenX 18 күн бұрын
She's still trying to find out how to get off the ladder
@poms-eyeview2453
@poms-eyeview2453 18 күн бұрын
@@74GenX😂😂😂😂
@deelehey2827
@deelehey2827 18 күн бұрын
High school. College. Job. Marriage. Children. Success and security.
@miketheyunggod2534
@miketheyunggod2534 18 күн бұрын
Ok boomer.
@donwayne1357
@donwayne1357 18 күн бұрын
@@miketheyunggod2534 It's called the success sequence. Those that do this mostly live above, way above, the poverty line. Those that don't mostly live below the poverty line. I bet you belong to the 'Party Of Science.' Don't be a horrible person, ignorant, loud and proud.
@Bluetreez
@Bluetreez 18 күн бұрын
@@donwayne1357you're a fool
@Bluetreez
@Bluetreez 18 күн бұрын
That's not life
@donwayne1357
@donwayne1357 18 күн бұрын
@@Bluetreez You're right, reality is life. And the reality is that most people out there couldn't start a fire if they were freezing to death and they were given a blowtorch and a gallon of gasoline.
@lms2379
@lms2379 18 күн бұрын
Not great advice to encourage her to marry him. She needs to sell the house and start all over doing things in the right order this time. Marrying him is not going to build his character, and it's not her responsibility to do that for him. And isn't John D writing a book about unmarriagable men? He and Dave need to get on the same page.
@Growth234
@Growth234 17 күн бұрын
Agree!
@janhatcher6991
@janhatcher6991 18 күн бұрын
why do people have these long engagements? Why do people live together? That's what kids do nowadays. It is time to get married after three years of living together. This is crazy. I hope you have done it by now.
@melanieb2132
@melanieb2132 18 күн бұрын
The reason is men are scared out of marriage, and women want to save money for a big wedding party. That's why they both participate in stupid.
@aolvaar8792
@aolvaar8792 18 күн бұрын
Prior to entering into a covenant marriage, a couple must attend premarital counseling sessions "emphasizing the nature, purposes, and responsibilities of marriage" and must sign a statement declaring "that a covenant marriage is for life." When you marry FOREVER, better make sure.
@garronl.7989
@garronl.7989 18 күн бұрын
I have faith she'll do the right thing; she just sounds young. Calling in at 24 starting early shows she wants to get on the right track financially.
@GAFB1122
@GAFB1122 18 күн бұрын
Where are her parents? Unless they are as bad at making decisions as she a 24-year-old is. I know my daughter may not always follow my good advice, but she certainly does not need to call into Dave Ramsey for financial advice. Then again, I am in a numbers field.
@jimroscovius
@jimroscovius 18 күн бұрын
@garronl.7989 I don't think they'll do any of it. They won't get married, they won't work more, they won't cut of the cards or quit eating out, etc. She didn't even know anything about having a mortgage, yet she owns a house!!
@penelope5500
@penelope5500 18 күн бұрын
She may do the right thing...but what if he doesn't? When did young women get so stupid & desperate as to leave themselves in a vulnerable mess like this?
@joycejudd5109
@joycejudd5109 18 күн бұрын
she's 24. That's not really "young". Might be inexperienced, might be immature, but that's old enough to have a degree and job. Certainly, she's not been given good tools for relationship challenges. Hopefully, she'll hear what Dave's saying and not let her fella talk her out of it.
@TXPrincessPaula
@TXPrincessPaula 18 күн бұрын
Shacking up and claiming to be "engaged" with no wedding date on the calendar shows that she is NOT wanting to do anything right, financially or otherwise.
@susancnw59
@susancnw59 18 күн бұрын
Honey, you're his 'right now' until Miss Right comes along.
@StatixCinder
@StatixCinder 18 күн бұрын
I'd disagree on the getting married before living together in the specific case someone already had a house, then live together for a bit and if that works that is fine, but def don't buy a house before married.
@sleepyjoe1685
@sleepyjoe1685 18 күн бұрын
This is 2008 all over again. Giving home loans to people who can't afford it.
@loriloristuff
@loriloristuff 18 күн бұрын
"B-B-B-baby baby baby why you wan' treat me this way? You know I'm still your lover boy I still feel the same way. That's when she told me a story, 'bout free milk and a cow, And said no hug-ee no kiss-ee until I get a weddin' vow. My honey my baby, don't put my love upon no shelf. She said don't hand me no lines and keep your hands to yourself!"
@karebear326
@karebear326 17 күн бұрын
Do not buy a house before you are married, rent together sure, cause it isnt permanent! But do not buy stuff together before you are married on paper together
@BrianaBudgets
@BrianaBudgets 18 күн бұрын
She sounds a lot younger than 24.
@andrewrobinson2565
@andrewrobinson2565 18 күн бұрын
In the UK it's possible to buy a flat/apartment which is leasehold. 😮
@analyticalchick3064
@analyticalchick3064 18 күн бұрын
She doesn't sound like she's in the UK. She sounds like she's in the south of the US.
@andrewrobinson2565
@andrewrobinson2565 17 күн бұрын
​@@analyticalchick3064Did I say that she sounded like she was in the UK?. Not so analytical in this case. Research it... It's a worse trap than exists in the grabbing US. The mortgage interest rate in the UK is constantly changing and the longest one can guarantee the rate is 5 years, on a loan of up to 35 years. It's never good to pretend one knows EVERYTHING.
@alainawarnock3238
@alainawarnock3238 18 күн бұрын
Statistically, for future success of children, what matters is- parents college grads, socioeconomic status of grandparents, and parents being over age 30 when children are born. That’s last I read anyway. So pretty much what Dave said except the grandparents part
@NihalDucem
@NihalDucem 17 күн бұрын
The Alemio team is proving why it’s a project worth backing. Transparency and innovation win!
@100jakkk
@100jakkk 18 күн бұрын
5:32 combined lack of brains xD
@BurcuRabia-yv8mj
@BurcuRabia-yv8mj 17 күн бұрын
Alemio is taking the ICO game to the next level-can’t wait to see what’s next!
@LivefreeLoz
@LivefreeLoz 18 күн бұрын
Hit 240k today Appreciate you for all the knowledge and nuggets you had thrown my way over the last months. Started with 24k in September 2024..
@AmirRezaie-d2h
@AmirRezaie-d2h 18 күн бұрын
I would really love to know how much work you did put in to get to this stage
@LivefreeLoz
@LivefreeLoz 18 күн бұрын
I will be forever thankful to you, you changed my life I will continue to speak on your behalf for the world to hear that you saved me from huge financial debt with just a little trade, thank you Jihan Wu you're such a life saver
@GregFunnell-q9f
@GregFunnell-q9f 18 күн бұрын
As a beginner in this, it’s essential for you to have a mentor to keep you accountable. Jihan Wu is also my trade analyst, he has guided me to identify key market trends, pinpointed strategic entry points, and provided risk assessments, ensuring my trades decisions align with market dynamics for optimal returns
@VictoriaFirmstone
@VictoriaFirmstone 18 күн бұрын
Jihan Wu Services has really set the standard for others to follow, we love him here in Canada 🇨🇦 as he has been really helpful and changed lots of life's
@RichardArthurBaker
@RichardArthurBaker 18 күн бұрын
His guidance allowed me to restructure my retirement plan, resulting in an estimated $700,000 more by the time I retire.
@tede5939
@tede5939 18 күн бұрын
Love your videos !
@TheLucky17
@TheLucky17 18 күн бұрын
There will be another guy waiting in the wing right after...no worries Dave
@AnnettaManzanares
@AnnettaManzanares 17 күн бұрын
Alemio’s presale has been a masterclass in building community trust.
@GottaLoveGoats
@GottaLoveGoats 18 күн бұрын
John’s reaction to the home she purchased was exactly what I thought. Why do people do this?? So foolish.
@reese85
@reese85 18 күн бұрын
I see nothing wrong with it. I wish at 24 I was able to buy a house at $200k plus.
@GottaLoveGoats
@GottaLoveGoats 17 күн бұрын
@@reese85 You are missing the reason for why this purchase was foolish. It's not that she purchased a $200K home at 24; it's that she purchased a $200k home while only making 38k annually. Affording the mortgage payment on a $200 home with that minimal of an income is incredibly unwise and any small financial blip (her boyfriend leaving her for example) could easily lead her to financial distress and foreclosure. So she is not "able". If she made $100k or more, then it would be different.
@reese85
@reese85 17 күн бұрын
The house is only worth $200k and although her income isn’t very high she’s young. She can easily get a 2nd job, pick up a skill and cover that little mortgage no problem.
@reese85
@reese85 17 күн бұрын
A lot of you guys are too busy looking at this from a negative point of view, when she’s actually not in a bad spot. Her only debt is the $200k house with a monthly mortgage payment of $1000-1500 bucks
@fandoms5ever
@fandoms5ever 10 күн бұрын
I bought a $620k condo at 24 as a single female. It’s possible if your income is high enough.
@shanep2760
@shanep2760 18 күн бұрын
Bought our house in 2016 and our combined income was about 70-80k, they approved us for a $250k loan. How did she get approved for that on 38k?!
@NatividadMcintyre
@NatividadMcintyre 17 күн бұрын
Alemio’s presale bonuses make this one of the most rewarding ICOs out there.
@newman9948
@newman9948 18 күн бұрын
I'm pressing the like button
@BrendaKnight-kl8xr
@BrendaKnight-kl8xr 18 күн бұрын
She needs to sell the house and rent until she is out of debt and makes more money.
@jillgott6567
@jillgott6567 18 күн бұрын
IF, for example, his credit is poor and house, rent, car loans are in her name and he leaves - IT IS ALL HERS ! Which sounds like it has happened.
@theslowevo9303
@theslowevo9303 18 күн бұрын
How do you know you're compatible with someone if you don't live together first?
@analyticalchick3064
@analyticalchick3064 18 күн бұрын
You ask a lot of questions. My husband and I didn't shack up. We are doing just fine.
@theslowevo9303
@theslowevo9303 18 күн бұрын
@@analyticalchick3064 I ask extremely important questions that a mature adult asks. I need to know how a person lives before I decide to spend 60 years with them.
@loriloristuff
@loriloristuff 18 күн бұрын
If you're that immature to look at it from sex and not really knowing a person, you shouldn't be married or living with a significant other. That's what the dating/ courting time is for. Ask questions! Be observant!
@cherrypieforbreakfast1499
@cherrypieforbreakfast1499 18 күн бұрын
People managed to figure it out for hundreds of years beforehand. Why can't you figure it out?
@theslowevo9303
@theslowevo9303 18 күн бұрын
@@cherrypieforbreakfast1499 I want a happy marriage. Not one I am forced into.
@Haskaza22
@Haskaza22 18 күн бұрын
My wife and I got married after 7 years together. Still happily married after 42 years. Rushing into anything hoping for long term success is a recipe for disaster.
@stevecook413
@stevecook413 18 күн бұрын
If you follow the Bible rules (wether you want to believe in God or not) it should not take more than 6 mouths to decide if you want to dedicate your life to someone. Long courtship short engagements
@BilgeFatih
@BilgeFatih 17 күн бұрын
Alemio’s use of AI to enhance DeFi functionality is nothing short of brilliant.
@johnzabik270
@johnzabik270 15 күн бұрын
How did she get approved for the $240,000.00 mortgage loan making $38,000.00 a year? The person at the bank should be fired. That's complete stupidity.
@drewmax-kl4oy
@drewmax-kl4oy 15 күн бұрын
Banks will lend people anything nowadays.
@DarrenMossman
@DarrenMossman 18 күн бұрын
Advice to young lady: Get Married Advice to young man: Never get married, or co-habitat
@mfbikle
@mfbikle 18 күн бұрын
Our educational system don’t teach people how to function in the real world
@amireallythatgrumpy6508
@amireallythatgrumpy6508 18 күн бұрын
Possibly because America is not part of the real world?
@FiOSFellow
@FiOSFellow 18 күн бұрын
People move in together all the time prior to marriage, Dave. Saves on having two rent payments.
@theresamc4578
@theresamc4578 18 күн бұрын
Interestingly statistics show that there is a higher divorce rate for these people.
@haloimplant7678
@haloimplant7678 18 күн бұрын
The upside of this for her is that if his name isnt on the house, for the time being, he's helping to build the equity for nothing
@JosiahK555
@JosiahK555 18 күн бұрын
dave: paint or get off the ladder. caller: Im too dumb to understand a metaphor, i'm also too dumb to know what a lease or mortgage are...
@miketheyunggod2534
@miketheyunggod2534 18 күн бұрын
Aww, really? You’re that dumb?
@IrishMexican
@IrishMexican 18 күн бұрын
Ouch. Dick response. Crack open a beer dude.
@14elvira14
@14elvira14 18 күн бұрын
How did she get a mortgage 😂
@davidmilhouscarter8198
@davidmilhouscarter8198 13 күн бұрын
Madeline goes to a job interview and is hired. She follows-up regularly, but three years later, still no start date.
@michaelpalumbo4880
@michaelpalumbo4880 18 күн бұрын
Dave is such a dope. She owns a home if she can't afford it she just sells it. Or she can get another room mate. Dave's "remedy" to this is to marry him and pay off his debt. And Simp Delony - he can lose his job whether or not he is married, and if he's married he has property rights to the home until they are divorced. In these two moron's White Knight zeal to bend the knee and save "me lady," they gave her the worse possible advice - to husband up a broke dude, move him in, and pay his bills.
@NebiMurat-v5b
@NebiMurat-v5b 17 күн бұрын
Hey guys, Alemio’s unique approach to decentralized AI tools makes it interesting. I’m excited to see how they execute.
@lindawilson4625
@lindawilson4625 18 күн бұрын
Please hold off on having a baby. Please....
@kw-vy5jd
@kw-vy5jd 15 күн бұрын
Why is it when you get married?You have to share debt together.I don't understand that if that's the case.I'm staying single because a lot of women have a lot of debt...
@OguzhanTaylan-q8r
@OguzhanTaylan-q8r 17 күн бұрын
Don’t sleep on Alemio-projects like this don’t come around often.
@ALEJANDROMendenhall
@ALEJANDROMendenhall 17 күн бұрын
Guys, Alemio’s presale is moving fast. If you’re curious about AI and DeFi, this one might be worth a shot.
@KyleBowey
@KyleBowey 18 күн бұрын
Where im from theres a thing called common law, where after living together for 1 year you are "legally married" in the eyes of the law. Not sure why Dave just jumps in off the hop without knowing all the details
@Growth234
@Growth234 17 күн бұрын
Goodness... I wish he would've told her how to get rid of the house on her own. Her judgement is naive. Signing a mortgage on her own when she doesn't make enough, was clearly a mistake... :( hope she' ll be ok, this is a mess.
@Gwaycee
@Gwaycee 17 күн бұрын
The poor girl doesn't even know if she bought or leased a house! What sadness.
@shav12
@shav12 18 күн бұрын
Can someone answer this. What is the difference between owning a home with someone you are married with versus someone you aren’t if both of you are on the deed and mortgage
@rcathegreat4358
@rcathegreat4358 18 күн бұрын
There is no difference. The push for marriage is just cult like
@cyoohoos
@cyoohoos 18 күн бұрын
Who is PAYING the mortgage? WHO is PAYING for maintenance/upgrades: plumbing, HVAC, paint, furniture, appliances, etc. WHO wants H.A.L.F. “if” you sell for a profit. WHO is on the hook if you don’t sell for a profit. The questions go on and on
@mtbokor1969
@mtbokor1969 18 күн бұрын
Except that they are not both on the lease or mortgage
@blakeharrison3972
@blakeharrison3972 18 күн бұрын
If they were to divorce usually courts will force the sale of the house, if they breakup there’s nothing that can force the sale
@rcathegreat4358
@rcathegreat4358 18 күн бұрын
@cyoohoos both pay everything. It's not a complicated math problem. Two people work out things with each other because they have a relationship together. Not because the law says to do it s certain way.
@MuzzyBarker
@MuzzyBarker 18 күн бұрын
Dave really needs to make his mind up in regards to what marriage is. When he's talking to someone who's cohabitating in a long-term relationship, he says they're married. When he's talking to someone who's engaged and co-mingling finances, she's somehow not married. It doesn't make sense.
@sarsattacks
@sarsattacks 18 күн бұрын
Just go to City Hall, pay $50, get legally married. THEN have the wedding.
@tfish7330
@tfish7330 17 күн бұрын
What Bank in their right mind would give a mortgage to a 24yo with 35K income and not married? SMH That's part of the problem.
@DM-dy9cw
@DM-dy9cw 18 күн бұрын
Was the loan 230000 or did she put money down? What the other debt she has?? Did he put money on the house? Why it is on her name??
@joycewright5386
@joycewright5386 18 күн бұрын
My husband and I lived like this for12 years. Now we are happily married for 28 years. We did it mostly out of fear: I was divorced from a cheater and my husband had 5 divorced sisters. In the end it all worked out.
@JODYChristy-n3s
@JODYChristy-n3s 17 күн бұрын
Alemio’s roadmap is one of the most impressive I’ve seen-strong potential for growth!
@seanh317
@seanh317 18 күн бұрын
Come on Dave, you know that girl was too young to understand the meaning behind “paint or get off the ladder” 😂😂
@theresamc4578
@theresamc4578 18 күн бұрын
I was married and had a child by 24, and saving money for our house which we built three years later. She is immature and clueless, not a good candidate for marriage right now.
@MehmetHasan-mg8ck
@MehmetHasan-mg8ck 18 күн бұрын
The most advanced technology out is a XAI225K
@leod7130
@leod7130 16 күн бұрын
“Are you safe?”
@HOLDXSTEEL
@HOLDXSTEEL 18 күн бұрын
No don’t get married please for the sake of everyone
@nervotica7991
@nervotica7991 18 күн бұрын
In this case I agree with you 100%
@sherryweems8579
@sherryweems8579 18 күн бұрын
Sadly Gen Zero are clueless totally, do not marry until you grow up in your mind. That may take you many years, like the age of 35 + at the least. SERIOUSLY
@lanceehrsam8296
@lanceehrsam8296 18 күн бұрын
This girl has made a few mistakes, but finding Dave at her age is a great thing. Wish I would've. she definitely can right the ship if she chooses to.
@siegfriedbraun5447
@siegfriedbraun5447 18 күн бұрын
Does saying "me and my fiance" not reveal a lack of intelligence?
@SparklingThunderPK
@SparklingThunderPK 18 күн бұрын
not really in normal conversation nobody cares.
@amireallythatgrumpy6508
@amireallythatgrumpy6508 18 күн бұрын
Living in the USA reveals that first.
@healthwithmarcus
@healthwithmarcus 18 күн бұрын
Only thing I don't like about the constant pressure for these early 20's people to get married is: How many calls have come in where the recommendation or implication was divorce? So easily they say "get married" but it seems more sensible to encourage seeing a marriage counselor and then consider marriage. They definitely recommend counseling. But they more often simply and "dismissively" say get married. Nah. Some people should not be married. Get married to unite finances? Still not a good enough reason if divorce comes only some years later. Y'll have no idea about the integrity of these relationships where you're verbal-shotgunning them into marriage. If they wanted to do it they'd don it. Forcing it is DUBIOUS.
@SLangel18
@SLangel18 8 күн бұрын
She’s soooo sweet… and clueless. And life is going to hit her like a freight train 🚂 and we are not being negative or jaded but realistic and everyone keeps thinking they are the exception. Oh we’ve been together and he talks about marriage and bought a promise ring… 💍 yeah a promise ring is cheaper and easier for a man than to walk down the aisle. Duh
@Tashas_Travels
@Tashas_Travels 18 күн бұрын
Engaged for 3yrs and still don't have a date in mind when to get married 😮😮😮
@darex0827
@darex0827 18 күн бұрын
Sounds like me, but common law in Canada is significantly different than in the US.
@analyticalchick3064
@analyticalchick3064 18 күн бұрын
yeah shacking up
@maggiebogdan6249
@maggiebogdan6249 18 күн бұрын
We were engaged 5 years and saving up for a wedding. Dave would have gone wild because we had a down payment and couldn’t justify paying rent. We ended up winning a wedding and used all the money I saved from my second job for the honeymoon. 🎉
@Ewalk.213
@Ewalk.213 18 күн бұрын
I think she got confused by the question cuz he said “dating OR engaged”…. At least I hope that’s the case lol
@RubeeRoja
@RubeeRoja 18 күн бұрын
Well with debt that high, how can they afford to
@theresamc4578
@theresamc4578 18 күн бұрын
Engaged for three years means he is very comfortable with having all the perks with no commitment. Or she is. Why was she the one to buy a house, and not he? Better to sell the house than push a marriage that will not last.
@epicgaming4946
@epicgaming4946 18 күн бұрын
200+k house on her income is not possible. FHA will to like 48% DIT which would only get 125k - 150k MAYBE. Something isn't right here
@Juhani139
@Juhani139 18 күн бұрын
Why advise her to marry him? Maybe it's to test if his commitment is real. I have a suspicion it isn't, but hope I'm wrong. Wishing her all the best.
@credemption8607
@credemption8607 18 күн бұрын
They ask for advice on how both of them can get out of depth and he started yapping about their relationship
@davidmilhouscarter8198
@davidmilhouscarter8198 13 күн бұрын
Why are you engaged if there is no wedding date?
@GAFB1122
@GAFB1122 18 күн бұрын
If there is one common theme I've found among people and that is, they often want to do it their way and reject good advice from those who are wiser and have more experience AND if or when things go bad which often they do, they are figuratively on your doorstep asking for help, asking you to bail them out. My kid knows if you reject my good advice to do it your way, then be prepared to fix your own mistakes and if that takes years, then so be it!! But if you have done a decent job as a parent, they would have learned this lesson early in life, long before the big decisions of marriage, kids, home buying, etc.
@loriloristuff
@loriloristuff 18 күн бұрын
Thank you for explaining that to him. Many parents don't. Then reality bites the adult kids in the butt.
@BagsNBaguettes_327
@BagsNBaguettes_327 18 күн бұрын
Dave is spot on…These men drag these women along as a fiancé for the goods, 3 year engagement 😒
@rdshadden1
@rdshadden1 18 күн бұрын
The whole society teaches the opposite.
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