I Don’t Think I Can Financially Catch Up!

[@SwanBelmont]

God bless the people who call into this show and get to the point.

[@joycewright5386]

Yes I always wondered why the call screener cannot encourage the caller to be succinct and get to the point.

[@azera55555]

Do people not know how this show works? He wants all the numbers not your whole life story

[@jimmymcgill6778]

People are nervous talking in public.

[@orphancharmander1168]

Yes, its not easy to say to yourself, that you need to change, and then infront of millions of people, its tough 🧐

[@eddyvideostar]

@@jimmymcgill6778: You think: *No pauper calls Dave's show.* Ramsey's show is preaching to the resourceful choir who some have the ability but don't realize their mental sickness.

[@joefunk76]

The people who know how it works and are able to follow it can likely figure all of this stuff out on their own and won’t call in unless it’s to brag: “Dave, my wife and I make $700k per year. Can we afford the guac when we go to Chipotle? It’s extra, you know.”

[@randymillhouse791]

"...and that is how I went into debt with commemorative spoon collecting."

[@ajb7530]

As of yesterday, August 2, 2023. I am officially out of debt. Im debt free. What a feeling, amazing.

[@KENTUCKYUSA1]

Good for you!!!

[@scroogemcduckismyspiritanimal]

Hooray!

[@FTG2Eli]

Right On!

[@SerenityNow331]

Congrats, friend. I too, know the feeling. I officially got out of debt early last month and am on baby steps 3 & 4 simultaneously.

[@tonypittsburgh9]

CONGRATULATIONS and YES, it is something to be proud of

[@MikeInSthlm]

”I bet your house is a mess!” Savage Dave lmao I nearly spat out my coffee 😂

[@edb484]

Haha he was wild for that

[@georgeslupski5987]

Lol

[@BRY__BRY]

hahahahaha

[@Shiitalker]

Bruuuuuu

[@samuelkingo9995]

@@edb484on God🤣

[@gusmueller4413]

why would someone say "3390" and expected ANYONE to know WTF she meant regarding her salary?

[@ChachiTelevision1979]

That's a pet peeve of mine.

[@boneyn3661]

Ya, especially since that was right after she said her husband makes 85k. LOL Her brain is seriously scrambled eggs

[@keisukeyoshida2839]

What’s worse she explains her husbands salary in yearly terms: $85,000 She drove me nuts in 2 min

[@SageKayDee]

@@keisukeyoshida2839Exactly. If she was at least consistent and had started off by listing her husband’s income as monthly, then it would’ve made sense. I assumed she meant $33,900/year, thank goodness Dave asked for clarification.

[@barc533]

I bet she says her child is 234 months old 😂

[@rbraxton00]

These calls 🤦🏾‍♀️. If you know you’re calling in, why don’t you have your number ready. I’m just wondering.

[@jagmohan909]

I was out of patience listening to her life story from birth to moving to new place and all. Just give the numbers and don't waste anyone's time especially Dave's 😂

[@zacharywatson5667]

She kept talking around information instead of getting to the point. I’m at 2:27 and only staying for the comments.

[@randymillhouse791]

E=MC AHHHHHHHH!

[@FTG2Eli]

Just the facts Ma'am, just the facts.....

[@randymillhouse791]

@@FTG2Eli "My name is Dave Ramsey, I'm a money cop."

[@mikejohn3265]

Reminds me of the episode about the dog walker who wouldn't stop talking. He had to keep calling her name. 😆

[@Julian-zc9vm]

She has a long answer to everything to try and justify and make excuses for being irresponsible.

[@jimmymcgill6778]

She was not making excuses.

[@orphancharmander1168]

She was clearly confused, and had no idea of, what comes in, and goes out 🤔 All they need, is some good Dave Ramsey advice, so they can focus, and get going ❤️

[@randymillhouse791]

Talks a lot but doesn't say much.

[@randymillhouse791]

@@JustinCase780 She'd bore you to sleep!

[@NicGiollaMhichil]

It's annoying, but some people truly struggle to mentally organise themselves in time, and you can see it in their speech patterns.

[@iforgotmyscreenname1]

This lady reminds me of my ex-wife. Our household income was $85K a year, our house note was only $980 ($169K home). But yet we're broke every month because she refuses to admit she's overspending. Every month she spends $2,000 on clothes, shoes, make up, tanning, gym membership, purses (lots of purse and shoes) and her coffee (Starbuck). And after paying for car note, electricity bills, insurance and so on, we're broke at the end of the month. Thank God, she files for divorce and left. And then I became rich again. Life is good.

[@ryanberry1]

Sounds like you got out of a nightmare situation! Whenever I start to know a girl, I always bring up finances in the sense that we MUST be on the same wavelength of viewing long term

[@SnifferSock]

Apparently she wanted to be broke by herself 😂

[@orphancharmander1168]

Glad you got your sanity back, its also better to find a partner, that you can grow with, instead of someone dragging you down 😬

[@curiouscat3384]

@@ryanberry1 Yes - the Ramseys have recommended to start that conversation once you know there is potential for the relationship to go somewhere but I say start talking values on 2nd date. First date is just to see if you even like each other's personalities and general lifestyle choices. I would also be looking for info about what her relationship to her parents is. There's no point in going beyond that until you've discussed money and for god's sake don't SLEEP with anyone until you're confident the nitty gritty of a partnership is determined! But if you have to screw around - WEAR a CONDOM !!! lol

[@tylerk.7947]

@@curiouscat3384 Haha Idk, talking values on date two I think is wayyy too early

[@russyspring]

"Your brain is scrambled eggs" omg Dave is hilarious

[@alinatamashevich3354]

A/D/D poster child!

[@chrissmith-yg5xn]

Haha

[@floxydorathy6611]

Despite the fact that stock prices fluctuate, what is the best method for capitalizing on the current market? I'm still undecided about investing $400k in my stock portfolio.

[@hollyb6885]

These kind of calls should start with, “And God created the heavens and the earth…” Too much unnecessary information.

[@RawVeganGinger]

Callers need to stop rambling and talking in circles and start giving Dave the straight numbers. How can you call in and not know exactly how much you make a year. If I called in, I would give him all the numbers first then explain my situation. Saves time.

[@boneyn3661]

True, but there is a big reason why she is having serious financial issues. She isn't level-headed. Her messy call represents how messy her life is and how unorganized she is

[@johnknox3345]

How do people live this way? I got an anxiety attack in the first 2 minutes of this call lol

[@CarlaQuattlebaum]

Yeah, just hearing that the mortgage went from $1600 to $3200!

[@Jane-rh7tc]

feel bad for her family, have to listen to this everyday, hopefully her kids won't end up with scrambled egg heads...

[@ralphholiman7401]

It is amazing the things people will say to justify spending more money than they make.

[@randymillhouse791]

"Don't even know where the $20K credit card debt came from." Sister, that is pure nonsense. You have the receipts!

[@alinatamashevich3354]

@@randymillhouse791 The merchants do!

[@Jane-rh7tc]

@@randymillhouse791 oh I believe her, have you heard the way she talks? You think a messed up head like that can keep track of what she spent $$ on? 😂

[@TMHF]

Thanks, now I'm in the mood for scrambled eggs.

[@phatbetbruh]

With bacon!

[@v.m.4453]

My mother speaks exactly like this. It is impossible to get to the point. Just use yes or no questions, otherwise you'll never get anywhere

[@robloxvids2233]

She has the maturity of a 13 year old girl. Dear Lord.

[@Jane-rh7tc]

Even a 13 yr old has a clearer head than her

[@amendaalmonte2236]

$20,000 credit card and you just finished the basement but don’t know how your credit card got that high??

[@amandawalker1196]

I think some people call the show just to vent….and they have A LOT to vent😂😂😂

[@VenerableBede2510]

People who babble and ramble in circles with a foolish story about everything, instead of saying a number…. Practically DESERVE to suffer because they’re just CHOOSING to put effort into their fucking sob story instead of getting real. Drama !!!

[@coolaunt516]

Dave: cut to the chase already!

[@johntyler7024]

*I read about a man in his 50s who started investing in stocks and real estate and then retired in 2 years with over $6 million and that is my main goal and I would really appreciate any tips and advice on how to achieve this goal. in 5 years. Especially with the current economic crisis all over the world. This is still a good time to invest in gold, silver and digital currencies BTC, ETH, SOL...*

[@ldtriton]

Scrambled eggs... Dave is ruthless! 😂😂😂

[@pauldower8226]

If she and her husband sat down and done a budget this could be sorted in an hour. I always say budgeting a bills and finance should be a major lesson in school as its as valuable as English, Science and Mathematics.

[@zimmermanlandscape9287]

It could be the only subject taught in school and we would all be better off

[@JackTheGiantOne]

I’d argue I learned more from AP Economics and government than I did in all my years of English class. Other than some pop words like Gregarious I don’t know what I truly learned from English.

[@semosancus5506]

Schools were designed to create minions who don't think. Teaching personal finance goes against the objective.

[@gibblespascack1418]

We had billing and finance in Home Economics class. Everyone was required to take Home Economics in high school because how can you manage a home without knowing how to do a budget and pay bills.(People in poor rural communities need this.) How to fill out and run a check register was in the business course(typing and general finance) which was an elective, but many took it because it was an easy class.

[@antonioiniguez1615]

@@JackTheGiantOne High School English classes are completely useless

[@Jamya87]

😂😂😂😂 "I bet your house is a mess" lmaooo. I laughed so hard

[@PSCA1988]

"I bet your house is a mess "😂😅

[@krobdawg]

Dave hit the Skip Bayless "My Turn!" 😂4:38

[@OopThereItIs77777]

I was gone when he said that 😂😂😂😂

[@boneyn3661]

hahahaha👏

[@buckymoto]

It never ceases to amaze me how many people who make six figures plus, are completely clueless about finances. It is so frustrating.

[@boneyn3661]

Well, she was making "3390," so there 😂

[@patrickmartin8479]

Love cranky Dave😂

[@ChadZeluff]

She starts off by saying she’s on baby step 0, without recognizing that she truly IS on baby step 0. She hasn’t even done the written budget, despite reading the Total Money Makeover

[@boneyn3661]

haha nice one

[@Robertgriffinne]

I've been diligently working, saving, and investing toward financial independence and early retirement, but the economy since the pandemic has eaten up the majority of my $3 million portfolio. I want to know: Do I keep contributing to my portfolio in these unstable markets, or do I look into alternative sectors?

[@BenjaminMcLeod815]

Just try to diversify your portfolio to other market sectors, that way your investment is balanced and you don’t get to make so much losses.

[@Natalieneptune469]

I stopped listening and taking financial advise from these KZbinrs, because at the end of the day, I end up with a bunch of confusing stocks without knowing when to take profit, In reality, all I needed was professional advice.

[@PhilipMurray251]

How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?

[@Natalieneptune469]

I’m a contractor, and my job doesn’t permit me the time to properly analyze my holdings/evaluate stocks myself, so I’ve had a fiduciary "Nicole Desiree Simon " actively restructuring my portfolio for the past 7 years now to match the present market condition and that’s how I’ve been able to stay afloat, knowing when to buy and sell…maybe you should do the same.

[@PhilipMurray251]

Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an e-mail shortly scheduling a call.

[@AmandaMo89]

Dave was savage on this call….I love it!! This woman is going every which way, but up. Lord, help her.

[@FollowTrystocks]

Income isn’t the problem. Them being idiots and spending like children is the issue.

[@Bob-yh7ir]

Ding, ding, ding .. Thank You!!! True of most people that are broke.

[@dougholdem2898]

She wants to justify their situation and get sympathy. Not looking for a path to a solution.

[@einstein1102]

yes. Sounds like that.

[@dudeorduuude5211]

No, not sympathy. Praise. But she doesn't completely grasp what is going on.

[@maryjanedavidson2804]

My husband and I have been married 36 years, 15 years ago he lost his job and was unemployed for 6 months (not his fault), cashed one of our 401K and we had to sell everything and owed more than 20, 000 when we sold our house. Fast forward to today, we have less than 30,000 on our house, no credit card debt, no car payments and money in the bank! God is good, are we rich? no but we sure are happy!

[@jimroscovius]

I can't believe they bought a $400,000 house on that income. They could make it, but then they go and do remodeling they can't afford, and take out a home equity loan, credit cards, etc. They can do it, but they have to STOP SPENDING. Get under control and be organized!!

[@phatbetbruh]

And a variable rate that doubled their payment, and then they locked it in at thay doubled rate!

[@jimroscovius]

@@phatbetbruh These people know absolutely nothing about handling money!!

[@CarlaQuattlebaum]

@@jimroscovius - I had to roll the video back and make sure I heard that right.

[@hollystiener16]

They have a renter for $1200 and that will help

[@jimroscovius]

@@hollystiener16 Until he trashes the place!!

[@armored-clown]

It’s mind boggling how these people are so oblivious to what they have coming in and going out… it’s crazy irresponsible

[@exceedinglyaverage1179]

Laughed so hard, "I bet your house is a mess" 😂

[@Dad-979]

Dave dropped the HAMMER 🔨 💵 😂

[@StephenIC]

Dave's point about telling a friend/writing down your problem in detail and instantly coming up with an answer is completely true, and its similar to something Jordan Peterson says. You're still trying to figure out the problem as youre describing it, and by the time it's concrete whether that be in words or on the page, its easier to tackle. That's why part of being a good friend is to just listen to your friends...dont need to suggest solutions, just offer them your ear.

[@voidfroze]

I’m a software engineer and that happens to us DAILY. We even have a name for it - “rubber duck”. The idea is that when you’re stuck on a problem, go explain it to any person, animal, or object (eg a rubber duck). They don’t have to give any feedback or response, you’ll figure it out on your own just by explaining the issue.

[@ARKenMan]

Orimar was really stressing Dave out. I think she was about to say she has a Yacht payment of $10,000 a month but he didn't give her a chance to say it. So close.

[@boneyn3661]

hahahaha. That would explain how they got from Toronto to New Brunswick 😂

[@drn13355]

It is madness and he is right. She needs to take a deep breath and calmly write all the numbers down. When things get crazy I stop everything and write stuff down and it really helps.

[@cooleobrad]

Gives her husband's salary as an annual number, gives her salary as a monthly number ???

[@TerryOnDemand]

I had the hardest time listening to this call. Too long winded. Just get to the numbers 😭

[@Vencarter]

Dave aint got anymore damn time for people who can’t even make a freaking budget.

[@multistack1502]

She wouldn’t shut up lol

[@deborahjackson6108]

😂

[@trebmaster]

That was a POWERFUL psychology lesson right at the very end! Unknowns are TERRIFYING and I never thought of the budget that way but it's actually making the unknowns known so you aren't stuck with paralysis of this looming fear in the background. All of a sudden, with a budget, that fear is front and center and you get to deal with it head on! The devil you know vs. the devil you don't.

[@Riverbend1752]

This! I recently moved after graduating university (debt-free). As I was going through the leasing process and signing up for services electric, internet, etc, I was afraid I wouldn't have any money left over to build an emergency fund. After listing everything on an Excel spreadsheet, I realized that I'll have over $1000/month to throw at the emergency fund. Now that I've started the job, I appear to have overestimated my tax withholding so will be able to build it even faster. I haven't gone through enough payroll cycles yet to be willing to update my budget, but I'll figure that out soon enough.

[@DeziEliass]

People get to the point! When sharing what you need help with 🙄

[@azteca6695]

"I don't know how it got to $20,000.00..." ( air head)

[@physicianskitchen]

I used to be somewhat like this and I HATE that spiral of anxiety and paralysis of not doing anything about it. At some point you gotta start cleaning up the mess and organizing your life no matter how painful it is. Life is beautiful on the other side.

[@RomanzRage]

🙄🙄🙄 some people just can’t take responsibility and be in reality

[@angiejones6985]

Oh my gosh! I am laughing so hard! I love all the comments, Dave is saying, and especially when he said, I bet your house is a mess.

[@randymillhouse791]

Moved to another State in 2022. $13K debt. Paid off today. Car purchased in 2017. Paid off today. $56.00 from 2 recent Amazon purchases paid off today. Saw this day coming in November of 2022 by planning for it. Other than the house I am debt free. Now, the market investments took two days of hits which is not fun. But investments are up overall over the past year. Been contributing in both up and down times. Starting to breath better. Oh, edit. That car payment and monthly CC payment: Going into savings now. Still paying on it if you get my drift.

[@ONLY1KUDWE]

Omg, thank you, Dave😂. She rambles sooo much!

[@currenteventsenthusiast9477]

Her poor husband

[@leepialong]

@@currenteventsenthusiast9477 no! her husband would be like I am the luckiest man to get a woman like her.

[@dudeorduuude5211]

​@@currenteventsenthusiast9477he is probably the same

[@droid2D2C3P0]

​@@currenteventsenthusiast9477do you know them personally? You know for sure he's not also a problem?? Grow up from this sexist narrative

[@currenteventsenthusiast9477]

oh wow....one of those. LOL@@droid2D2C3P0

[@fhuber7507]

They have a total lack of self control.

[@MichaelHollen]

and then….and then…. This was frustrating to listen to. It’s like midwest nice.

[@smithersrob]

Getting a variable rate mortgage when rates are low and then fixing it when they start rapidly rising is like buying shares when they're high and selling them when they drop, dumb dumb dumb

[@Jane-rh7tc]

it's ok to get variable rate, but can't treat it like a 30 yr loan and ignore it. we got variable rate and constantly checking for the newest rates, once I see a rate is low and I'm allowed to pay off the loan, I refinance, this way my low rate can be extended, I kept doing this for abt 7-8 yrs until I found a very low rate(during pandemic) and refinanced to a 15 yr term one.

[@untouchable360x]

No excuse. New Brunswick is one of the cheapest places to live in Canada.

[@davidpaul9961]

$3,200 mortgage is crazy high. And then if they have daycare also, likely 50% of their income is going to mortgage and daycare.

[@robloxvids2233]

Brilliant for them to get a variable rate mortgage last year when rates were skyrocketing...THEN fixing it after the payment doubled. These people make all the wrong decisions. They literally lit $1,600/mo on fire because they didn't sign up for a fixed rate to begin with. Yikes.

[@davidpaul9961]

@@robloxvids2233 oh wow, I missed the variable rate detail. Sheeeesh

[@Jdonaleshen]

For Canada if she is mobile and can go anywhere that mortgage is stupid high. She could purchase a house and have lower taxes here in northern Alberta and have 1/2 that mortgage.

[@dudeorduuude5211]

​@@Jdonaleshenon a $400,000 mortgage with how high the rates are now, that $3200/month is close to what we would pay in Alberta.

[@sblijheid]

She was annoying. She kept yapping and saying irrelevant stuff.

[@BB_TRUTH]

I don't think her and her husband communicate when it comes to finances 🤔😳

[@bradleymaravalli2851]

So they renovated the basement for $1100/mo so that they can have a tenant that pays them $1200/mo. Add in extra bills for the electric and water, and it's probably a wash ASSUMING it is always rented out.

[@unkownuser5809]

So many people these days want "income streams" and will go deep into debt to basically buy income streams. It's not an income streams if you owe money on it.

[@brybry111]

80% of the time Ramsay guests call in it's literally just people who could be fu**ed to simply add up their monthly income with their partner, subtract all the bills, log into their bank account and tally up all the things they bought that month and find the thing that's ruining their budget.

[@adamseidel9780]

Scrambled eggs, that’s great! Mush in the brains, mush coming out her mouth. Disorganized, just WRITE IT DOWN

[@Denny4155]

She move feom Toronto which houses are overpriced, and went to New Brunswick which have affordable houses 🏘 but purchased an expensive house in New Brunswick. New Brunswick have so much affordable house and cost of living lower than Toronto. She need to make a budget and stick to it.

[@XennialGuy]

She lives in Canada eh. Everything over there is more expensive than the US. By a lot, like 25% minimum. And I'm not talking about the exchange rate. Converting to USD, most things at the supermarket, gas, just about everything costs more over there. I was just there and I couldn't believe that gas was like $4.50 a gallon when I did the liter conversion. You would have to live there to understand that their money does not go as far as it does over here.

[@insideoutsideupsidedown2218]

But the hEalThCaRe is fReE....😅

[@jwlsngold5026]

What are you talking about?? There are a lot of places where gas is over $4.50/gal., at my local Costco (cheapest gas around) it's $4.59/gal.

[@kleindropper]

@@jwlsngold5026 lemme guess? the utopia of California?

[@FreedomFighter485]

I live in Canada and confirm it's actually worse than you imagine. Gas is $4.80 ($USD) a gallon in Ontario. Also the average monthly mortgage payment is now roughly $4k/month. You can't leave out that 50% of our income goes to taxes as well.

[@goodolchris4173]

When I was in Toronto a few weeks ago, I calculated that gas was $5.82/gal...ouch

[@johnl8634]

Dave Ramsey be like “rice and beans”.

[@zimmermanlandscape9287]

It’s almost like they are just smart enough to run the machines and fill out the paperwork but just dumb enough to not be able to sit around the kitchen table and run the calculations

[@1timothydillon]

American society by design.

[@zimmermanlandscape9287]

I just try to enjoy my Mac mansion my flat screen and my Oreo blizzard …

[@joycewright5386]

Dave needs to hire a better call screener. I’m sure these people are on hold a while. Why can’t they be told to formulate their thoughts and numbers coherently?

[@melissawhiting3549]

I wanted to hear all of her story. I truly believe Dave cut her off. I love the whole Ramsey team but I feel like they missed the mark on this one. I felt some trauma that wasn't addressed.

[@ryankiel4895]

Not even three minutes into this call and I don't think I can keep listening to it. She's talking in circles and it is driving me nuts. Is there such thing as speech dyslexia?

[@cato451]

This is not complicated people. Stop buying stuff.

[@jacksonsplace9754]

Many people escaped Toronto to the Maritimes to find peace of mind. Exactly like Dave said, your mind is on scrambled eggs. I don't think she did find peace of mind moving to NB with no plan written down.

[@Primitive_Code]

She probably escaped a s*** hole to live in Toronto like most other immigrants there.

[@SanjeevSaxena250690]

love the way Dave pressed that mute button :)

[@BlakeC341]

My God this was painful to listen to. I have lived in some of the nicest cities on the world making far less without issue than these people. Unreal how disorganized some people with large incomes are.

[@annetawney2408]

Now I want scrambled eggs.

[@victorhugoalvarez8619]

LMAO

[@fglend73]

My finances are very squared away, but my house is def always a mess 😂

[@Hiker2110]

Same 😂😂😂

[@itgamer4143]

How anyone ever falls for variable rate mortgage? I will never understand.

[@Shay-yg7nm]

Omg .. if you don't have a headache. You will after listening to this caller. 😏

[@godsson8035]

I love Dave but for the first time, people with six figures are priced out of this market.

[@bcusaaus4749]

I was tired listening to her. Seems to be rationalising her money as she speaks. Thanks DR for straightening her out!

[@ninaeverest25200]

I love the grounded reality of this channel!!!, Despite the recession, I'm so happy withdrawing $65K weekly profit out of my investment I just cleared my mortgage 3 months ago and I give back 30% of my weekly interest back to Charity.

[@sabrinnegibson1860]

How do you earn that much weekly

[@sabrinnegibson1860]

What do you do

[@ninaeverest25200]

I earn from investing in the digital market with the guidance of Mrs Elizabeth Ann Larson Brokerage services...

[@ninaeverest25200]

Her strategy has been helping alot of traders/ newbies out there , with her program I was able to recover my losses from the crash so swiftly .

[@sabrinnegibson1860]

I'm 40 and have been looking for ways to be successful, please how??

[@joeriveracomedy]

I love it when people who make more money than 99% of the world call in with finance issues. Cry me a lake.

[@hollystiener16]

everythiing in life is relative

[@Jane-rh7tc]

she live in one of the most expensive countries in the world, shouldn't compare her to third world countries where the monthly living cost is $100, that's not fair and unrealistic. By your logic, everyone living in north america are doing well, since we all make more $$ compare to third world countries

[@kevinkidneyy]

She talks to much we have only few minutes 😂😂😂

[@fsm12385]

Some callers get off the phone more stressed with Dave 😅

[@samrusoff]

Lol he utterly steamrolled her. There was probably more to their situation (student loans? Child care? Car payment?) But ultimately he's right, they should have enough to budget and make it work, she could not stay focused.

[@rickmorley6855]

If he let her continue, she'd still be talking about her issues to this day.

[@TravelStephanie]

She’s from Canada so student loans and childcare should be minimal compared to the US

[@Ms.MD7]

Variable rate? What the hell why?! That's so 2008 recession stupidity.

[@Jane-rh7tc]

because ppl treat variable rate like a fixed rate, they think once they get it they just keep making payments for the next 30 yrs and be done. If they are that lazy, then yes, they just get a fixed rate ane call it a day. We got variable rate for the past 10 yrs, the difference was we pay attention to the interest rate, once our low rate term is near the end, we refinance to another variable rate, we kept doing this until we can get a low rate 15 yr term rate

[@laurens7431]

Oh wow, I didn't know they could accept international calls, another 👍 for Dave / Ramsey Solutions. It's true the situation in Canada is crazy with the average cost of homes being absurdly overpriced. Yeah she could have done the budgeting herself...but she wanted to talk to Dave haha. I wish we got a better example of an international call! I love how he knows exactly how to interrupt her to redirect her without being rude. Genius.

[@boneyn3661]

I'm on the other side of Canada, Vancouver, BC. I too, bought a place in 2021, paid 500k for a 2 bdrm apt. I signed up for a variable at 1.5%, it's now 6.25. I've been getting healthy raises each year, set to make 95k this fall. I've been on a variable adjustable rate, so I've been able to balance my books and budget effectively in order to continue making payments and still save for trips etc. My apt is 50 years old, however, when I moved in, it was rain screened and the sellers paid the 42k levy, and my place was renovated 2 years before moving in. So I haven't had to do anything to my place, and I'm also debt free, aside from my mortgage. Yes, it's insanely pricey here, but if you follow a budget and don't get lazy, it's possible to flourish anywhere around the world. There is your "better example of an 'international' call." lol

[@amireallythatgrumpy6508]

There does seem to be a Canadian call at least once a week. I've seen them take calls from Europe, Australia and NZ too.

[@hollystiener16]

Some people truly do not know how to do a budget

[@jermainebennett7473]

My eyes were squinting just listening to her..smfh. The sky is always falling in her life

[@patriotdrone9566]

Dear lord, I'm glad I'm not married to that mess.

[@mikeshaw4610]

The statement at the end regarding the unknown being worse than the know is so true.

[@ashleycnossen3157]

He's almost certainly right about her life but when he gets frustrated and doesn't let people finish I feel bad. My husband talks like this lady, takes the long way around to make the point.

[@Jane-rh7tc]

in the case of this lady, I prefer listen to Dave than listen to anymore of her rambling abt her life story, driving me crazy

[@ashleycnossen3157]

​@@Jane-rh7tc Truthfully me too. I hold both feelings at once 😅

[@WhatShallEyeDo4U]

When people don't budget, they are just performing a stupid action and ignoring the pain, all the while causing the pain that they are trying to avoid.

[@yendothegamer9880]

Man i wish i could make $8500 a month. Without overtime I bring in $2700 a month but with OT i make about $3600-$3800 a month and thats 50+ hours a week. I wish I could make more being comfortable

[@Jane-rh7tc]

you will still think this way when you make it to $8500, cause your spending will go up, and you'll realize you need more to live more comfortably. Every level income has its issue. Need to know how to finance and understand your spendings, or you'll end up like lady who has no clue where she spends all her $$ on

[@yendothegamer9880]

@Jane-rh7tc my lifestyle is only roughly $3200 a month but I have my wife and her dad that live with me that takes a good $700 off of that burden. I'm pretty good with money and my mortgage is very good in comparison to most today. I wouldn't succumb myself to lifestyle creep because I make more I'm more financially literate than that.

[@acemissler6683]

This women drives me nutz listening to her

[@kochubobby]

Problem talking, and keep talking

[@rr-brown6445]

Why would they take a veritable rate when interest was low?!

[@ryand7713]

Within the first thirty seconds you've said "We've done everything we can" twice. This is going to be spicy

[@Logical_magic19]

Every Dollar is not available in Canada