I Feel Like I'm Never Getting Out Of Debt!

[@megafraneldelavaina9113]

This lady was literally drowning in a 2 feet deep pool 🤣🤣🤣 smh.

[@nicolegraham1492]

31yrs old, self employed, and earning $300K… uh yeah. The smallest violin 🎻

[@jhonilocran6077]

That violin is too big

[@almaguillot8597]

😂😂😂

[@natebrome3089]

j cole once said “pride is the devil”

[@meggrotte4760]

Why is this lady calling?They've got enough money

[@someonethirsty1957]

@@natebrome3089 Yeah it was totally J. Cole who came up with that phrase.

[@DavidWilliams-vc2ms]

...I've never heard a person call in and started crying about making ENOUGH money to get out of debt 😆

[@grantpatrick3586]

Happens a lot with those of us in medical professions, we sacrifice social life, income, and years of our life going to school to hopefully be in a respected profession. Yet how the pay works is you get paid nothing or very little, and then all of a sudden you’re finished and your first paycheck is half of what you made in a year before you finished training. Very easy to get lazy with debt and inflate your lifestyle which such a huge increase in income

[@celeste7469]

Like another commenter said I think it comes from wanting to spend on luxuries, vacations, cars etc. and feeling sad because paying of the debt requires sacrifice and being responsible. Many people have a hard time with delayed gratification. The reality is that she will enjoy that income a while lot more with only a mortgage payment.

[@odessajackson4551]

Crocodile tears over making $300000 combined income!!! Crying cause she can't bankrupt student loans!!!

[@anthonyamato6367]

Hard to feel sorry for people with that kind of an income.

[@joeaaronsen]

Especially those interested in shooting themselves in the foot.

[@michelel965]

Don’t think she wa looking for sympathy 😊

[@cuh720]

Yeah caller doesn’t know the struggle smh

[@nikolavonfulton5195]

Debt is still debt. The larger the debt the larger amount to pay off. So it can still be a lot for people

[@elcheekoful]

Gad dang. You make 300,000$. Yall can't live off of 150,000$ income. JESUS!!!!

[@daminh9245]

Crying hungry with a loaf of bread under each arm.

[@bryanmata8319]

You mean virgina ham

[@jacquelynholt4753]

😂😂😂

[@evanl889]

It’s not that she’s tired from before they got that wrong. It’s because she went through all that schooling and now she wants to spend her money, go on vacations, and enjoy her life. It’s an entitlement thing. I could tell as soon as she said she is giving her life to this because I have had many friends say the same thing after college when they had tons of debt but wanted to buy houses. Imagine the entitlement of taking out 220k in loans and feeling it it’s stealing your life to have to pay them back.

[@l.gibson6422]

Right! That's it!

[@cgasucks]

She's attacking her debt and I applaud her for it, but she is whining about it instead of keeping her head down and attack that student loan debt.

[@tomw485]

It’s just the reality of her situation smacking her in the face. I don’t know if she’s entitled so much as just overwhelmed. Despite her income having nearly a quarter million in student loan debt is still kinda scary. She just needs to get tougher.

[@amydoran9987]

She was really upset when she called. It was awkward.

[@Chicago48]

How is it a chiropractor gets $220K in student loans? does it cost that much?

[@amydoran9987]

Her life does not seem so bad. She was literally acting like her finances are desperate.

[@adamseidel9780]

She’s just sad that she can’t go out for $300 biweekly mail appointments and $5000 biannual vacations for a year and a half.

[@blueflameSM]

I was fucking floored when she said her household income was $200k+. Are you kidding me, they got a big ass shovel for their debt, lord have mercy lmfao

[@investinghike215]

0

[@channell11]

She doesn't like living lean to pay off debt. She wants to be living in luxury and enjoying the money.

[@chedbeckford8067]

She was crying because she wants to enjoy her money and live like her friends.

[@carryonjeeves]

I love how Dave just cuts right through all he attempts at avoidance: Dave: "How long has he been out of work?" Caller: "Blah blah sniffle blah blah whimper..." Dave:"HOW LONG HAS HE BEEN OUT OF WORK?"

[@kvgolfa]

"2 days" "Actually not at all" 😂

[@Shelly_B]

The lady actually said two months... a nurse out of work for two months???

[@candy2325]

$80K paid off in FOUR MONTHS!? girl! She’s blessed to make a dent that fast with a spouse.

[@mikec.4343]

I absolutely hate calls like this

[@intrepid_rain]

me too; I'm like "really?" 🙄

[@defaultname7685]

This is the kind of person that interrupts the couple about to be foreclosed on their house and their utilities shut off to talk about her problems and how “we’re all suffering” like she’s right there with them

[@alexpeters7159]

The best gift that was ever given to me was to struggle and pay off all my debt. What you learn throughout that process and the sacrifices you make will change you forever and not only towards money

[@juliawitecka889]

Couldn’t agree more!

[@russyspring]

"And be done in 24 months, somebody needs to come smack you" LMFAO Dave always keeping it real. Took the words right out of my mind.

[@heathermcconochie2572]

I paid off $110k in student loan debt as a single person! Why is she complaining? She’s got a partner! Lord have mercy.

[@margaretslaughter8320]

She just doesn't want to pay off her student loans. It's hard to be compassionate in this woman's situation.

[@joelfenner9179]

Did anyone else get more angry as this call went on?

[@BuckMulligan72]

@@Austenfan177 Yup. They're crybabies. They could be multimillionaires and never have to work another day in their lives in about a decade if they actually wanted it.

[@quinnterry2834]

😂😂😂

[@tomw485]

Nope not really. Why does this make you mad? She just needed a little dose of reality and a shot of adrenaline.

[@grantpatrick3586]

@@Austenfan177to be fair, she’s a chiropractor, she’s had to sacrifice her life for many years of school, she’s getting burnt out from not being able to enjoy her new high income yet cause she still needs a couple more years of sacrifice. This is not about her not being able to sacrifice, its that her finish line is further away than she thought it would be when she picked this career

[@DaveW74TVN]

Angry? No Exasperated? Yes! 250k+ income I can't feel bad for ya ;)

[@KrystleLaughter]

She doesn’t realize how blessed you truly is. I would love to be in that situation.❤

[@zybard01]

Yea, would love to only make $250k/yr Make less than half that and I am debt free

[@freedomworks3976]

Respect ✊ ❤

[@bobbybob4680]

My household income is 34k I couldn't imagine being in that situation

[@Tunechi65]

​@@bobbybob4680 yikes. Y'all are poor

[@dannystranahan1004]

You can be in her situation. Go spend Many years of your life to chiropractor school. Bush your a** and start your own company as chiropractor and you could be in her situation.. simple

[@David-wo9un]

She is so annoying; poor baby doesn’t want to live within their means.🤢

[@wreckers_band8825]

Yep, she doesn't like that she needs to sacrifice

[@TheSoulCrisis]

@@wreckers_band8825 Yeah, welcome to reality for her.

[@joysilas4724]

Was this call recorded on April Fools Day?!?! Complete joke 🤦🏿‍♀️

[@actuallyterry]

I love Dave's reaction when she says shes a chiropractor 😂😂😂😂

[@darkbee2359]

I don't know what this caller wanted to hear but it helps when you're truthful about your situation. We aren't just missing a piece of the puzzle with this call, we're missing half the puzzle. If I made $150k (as a single person), I'd be living like a king right now because I could probably get my house paid off in a couple of years.

[@Chicago48]

How come a chiropractor student loan is $220K?

[@fabbz94]

Not in California.

[@urbancitygirl3696]

Yes, she’d have a heart attack with my income. And I have a masters degree.

[@lukerider479]

You probably bought a house that matches a person with a lower income. If you made 150k you probably would buy a house that matches that salary.

[@magicdaisies5242]

She wanted sympathy and him to say she can still have a nice life. The fact the husband is currently part time shows he's not as bothered as he should be. Yes he's waiting on a good job but until that's signed off I would've stayed put.

[@kathleennile7611]

I find it helps me to break it up into smaller goals. Work toward getting the next 50k, then 100k, then 150k, then 200 k. If you look at just the big numbers it is depressing.

[@joshw7415]

Jade and Dave are the best! Incredible energy!

[@ketocajun7451]

I have seen people get out of MUCH, MUCH, MUCH, worse circumstances! Good Lord, live smaller and get out of debt. Great achievements requires great sacrifice!

[@ericdrewyour6593]

I feel so bad for the family making 250k 😂

[@TheSoulCrisis]

xD

[@boredoreos]

Could you imagine 300k income and no debt? Look forward to that life...

[@lakotasaunders]

Does this even exist.

[@mikenelson8377]

@@lakotasaunders it's going to with them if they're truly serious about this. $300k income and debt-free? They can do some pretty amazing things with their life. I've been debt-free since 2016 and I don't make anywhere near them and I feel like I'm stacking cash every month.

[@candy2325]

@@mikenelson8377 I can’t wait to be in that position 🎉 such a blessing

[@JustinCase780]

I don't want her crackin' my back! 😂😂

[@ScreamTatumRiley]

😂😂😂😂

[@PInk77W1]

She said “the debt is so big.” NEVER look at the whole thing. Just keep momentum going and keep the total going down a bit at a time. “How do u eat an elephant?” One bite at a time. I had huge debt. I’m shocked that I paid it off. It feels so good.

[@TeaNoSugah]

I needed that, thank you.

[@jessicabixler1658]

We have been at it 13+ years. Every time we get out of debt we loose all our savings and need to get back in debt because of move or job loss. Slmost done with cc again. I'm 45...and we don't own a home...we are tired

[@tubenachos]

The tears are hilarious a woman cries then everybody feels pity. Man up and pay it back. Crying doesn't pay the bills.

[@shroomssadow4981]

She’s mad she can’t stunt on the gram 😂😂

[@brianthomas3451]

I don’t know that means, but I’m sure it can be translated to “whoop there it is”

[@shroomssadow4981]

@@brianthomas3451 nice try Brian, but it means to show off on social media

[@brianthomas3451]

@@shroomssadow4981 I was close

[@NickFromLongIsland]

300k combined income is uppermiddle class…. Thats a phenomenal income to have….This lady needs to breathe and realize how good they have it

[@Outdoorsnmotors]

Yes this!

[@jimmymcgill6778]

They make good money. Why is she complaining?

[@susanedghill609]

@Jimmy McGill....she hasn't discovered beans and rice yet 😁

[@mattmasteringer4399]

It’s that time of the month. Woman tend to be very emotional during their bleeding cycle.

[@MrJimmy3459]

Because they want that 250k lifestyle, the Benz, the 800k home, vacations to Italy and Spain...........

[@andnew1335]

Cuz she’s a woman

[@jillgott6567]

Jade is perfect for this call . She and her husband paid off way more than this lady.

[@CemNCoreSeries]

She's not tired. She's just upset about selling all their stuff.

[@MisteRRYouTuby]

Yeah, and the fact that she had to make that sacrifice caused her to panic…yet that sacrifice brought them 80k dollars CLOSER to financial freedom.

[@listerinr]

This lady is tripping

[@hardchooligan]

"I'm mad we make a ton and don't get to go out to eat every week", thats whats happening. If ypu don't want to do the 100% ramsey plan that's fine, do a less intense version that works for your house. But if you are going to commit to the baby steps then just do them

[@yasminogbu8929]

Such an inspiring show. Asking questions is key 🔑

[@dacianbonta2840]

She has to go French Revolution on her inner drama queen

[@poeticprincee9750]

Exactly lol

[@aubreysellssofl]

Im sure the weight of her debt is just as heavy as anybody else’s but this was definitely a opportunity for a lesson in gratitude.

[@TheSoulCrisis]

Weight of her entitlement is far more impressive to be honest, I agree!

[@jamesjackalone5486]

Call the wambulance.

[@mr.shelton8063]

Sound like they are living above their needs. You can easily live off $100k-$150k. They need to rethink their finances.

[@Solo76239]

“Somebody gotta come smack you” 😂 😂

[@TimGreen-co3vp]

I am slightly confused by this. If I missed something, please enlighten me. She said her gross pay was $250K. Then Ramsey said it was $300K. Then he said you can live off $150 and throw down $150 towards debt. What is her net pay after taxes, insurance etc.? That was never asked. Still, whatever the net pay is after taxes, insurance, etc. on $250K a year she should be able to pay this off in no time.

[@cameronmay843]

"I'm rich with 300k income waaaaaaaa" bro i wish i had that type of income. 😂 rich ppls problems.

[@peartfaldo]

Income doesn't make you rich when you spend it all ....

[@wonderz3217]

WTH is this chicks problem! Heard of sacrifice? Jeez!

[@mysticquetzal87]

wow, she’s had a really easy life if she finds this situation hard… oh well, bless her heart, I hope they pay it back and feel better!

[@pey7777]

Dave gave them a $50k raise out of no where and then ignored that on $250k gross you take home around $180k depending on the state. This is a 3 year plan at best, not a 2 year plan

[@rooster5755]

will agree..hate when dave never figures in taxes,house stuff,kids,daycare...all this stuff adds up

[@sidehustlevikki1066]

Ok I thought I missed something 😂

[@NWI_Steel]

Right? I love his math sometimes

[@joeaaronsen]

@@rooster5755 Agreed. Taking all of that into account would make it harder for him to sell the program as being trivially easy if you are just intense about it. The program works, but not always trivially easy to be out of debt in 1-2 years.

[@floresnashvilledrummer]

@@rooster5755 When he says living on $150K/year, that's literally what he's referring to. Life and all its costs.

[@NikiLivi5]

She sounds tired and like she has totally deprived herself. Maybe give yourself a short weekend cheap vacay. Start getting outside and walking. Being in nature is proven to improve your mood and clear your head. Take up a hobby or set time aside for something you want like reading a book etc. Do something that won’t greatly impact your money but gives you something that’s just yours. It sounds like you need some down time and this will help.

[@thedeels7522]

Yes she’s burnt out with life. I get that. I’m in the same boat.

[@GraphicSolutions360]

She’s in debt, she doesn’t need a cheap vacation.

[@sweatygamergainz870]

Just evicted Sallie this month. Feels great.

[@untouchable360x]

Sacrifice is never easy or it's no true sacrifice.

[@make749perday]

"People rarely succeed unless they have fun in what they are doing." *Dale Carnegie

[@RJRussoVids]

The math is too fuzzy. A couple that earns $300K gross will pay at least $120K in taxes which leaves $180K. If they pay off $150K in debt in that year then they only have $2,500 a month to live on. Not realistic. 🙄

[@nungacynderilla5095]

Chiropractor is a wrong career choice seriously.. if u own your own practice then maybe it could be better. I am a dental Hygienists wanted to go to dental school to be a dentist but to be honest the student loans for dental school is traumatizing 😳😳😳

[@daveavemian5940]

Dave's unwillingness to figure taxes is insane. 300k after taxes is like 180-200

[@dianethompson6804]

When you are making that kind of money, you're looking forward to enjoying it! Not paying the piper for the hard work you put in while you were in school. I can see it. Scrimping to get thru school, scrimping to get started in your career and then scrimping to pay off debt when you are finally making good money! Two more years probably seems daunting! You can do it! Then you can finally get your rewards! I only make $18,000 a year, so living on $150,000 sounds like heaven! When you get discouraged, think of me.

[@stephenshapiro8404]

Did somebody summon the warrior spirit? Now you have my fullest attention!

[@leojamias1275]

Dave Ramsey is America's financial guru.

[@obsessorforever6617]

I love how quickly she dropped the water works voice. It's almost as if it were acting lol

[@Jack-kj1zu]

I can't feel bad for someone who makes $300K and makes poor financial decisions.

[@1RamTough]

When you’ve been eating straight sugar for a year, substituting it with a bit of honey to avoid diabetes is bitter apparently. This lady has it made in the shade and is crying because her life isn’t candy canes and gum drops all of the time.

[@kindredkey]

It's okay to feel the way you feel. You want to cry? DO IT! Now, take that energy and USE IT! to fuel the next 18-24 months.

[@Zero-gh9lp]

Even the intense payback budget they describe here is more comfortable than what most American incomes are. They still have survival and fun money on a budget of $80-$100K a year for 2 people with no kids.

[@DJDrew27]

NOBODY feels sorry for this lady, crying about paying off 80k in 4mos, while earning as a family 300k. Miss me with that… u got folks 100k in debt making 45k a year

[@MrColonelbbc]

Damn good call…great team work!!!

[@bgbell3049]

Jade and Dave are a good team. This call was well handled.

[@shatimbeecat1960]

Wow, why isn’t she excited!! That’s amazing

[@mvpcilo2268]

Bro i live in st louis MOST JOBS PAY10-14$ they are doing better than 70%

[@brittanys.7191]

When she said “this is the walk,” I thought she was going to say “this is the way.” Lol Ramsey and Mandolorian nerd here😂

[@jonathansaindon788]

The 150k is pre-tax. Its more like 75 a year but still great!

[@Rosh___]

dose dave not realize that regular people pay taxes or something?

[@joannecastro9048]

A nurse that won't get vaccinated? Harder to get a job.

[@kennyz9167]

Ridiculous

[@jimmymcgill6778]

How can Dave say they are going to make 300k? She does not know.

[@asavannah7439]

Dave is all knowing

[@Boreddays1992]

The rich don't pay taxes

[@bgbell3049]

Each person’s problems are very big to them. Even when the problems seem like nothing to someone else. Maybe she just needed to vent.

[@lonestarrk9308]

My wife and I have been doing this for 3 years. We just got into baby step 3. We make 1/3 of what these people make. I also sold my truck. She needs to take a deep breath.

[@tammypritts8102]

I feel like this lady...i cry and pray everyday for some change 🙏🏻 I'm the only one making ends meet and I'm losing my mind on it...

[@smallblock412]

She sounds like a quitter.

[@allisonwarman1689]

This call infuriates me! We live comfortably on $2,500/ month including our mortgage. WTH is wrong with people?! Budget, cut the extra, stop vacationing and eating out. They should be done in less than a year, no excuses.

[@joeplem5329]

She's not going to do it, probably waiting for loan forgiveness..smh

[@mattmasteringer4399]

Umm loan forgiveness only approves a maximum 20k, still not enough. It would help although.

[@MYTMIC]

She's self employed, not going to get loan forgiveness

[@acrane1100]

When I was in my senior year of college my class was visited by a recruiter for a chiropractics school. When he asked if anyone was interested in that no one raised their hands and he asked why. I asked back how much it costs and how much I’d make after graduating. He gave us all paperwork saying the in state tuition was $22K per QUARTER and average salary in the state was 70K per year. Yeah, it’s a crock.

[@azteca6695]

She's drowning in a glass of water......🤨

[@Joshmarmolejo_]

Dave said someone needs to come smack you 😂

[@marioibarra9306]

Curious as to Daves thought when he smirked as soon as she said she was a chiropractor...Any thoughts ???

[@Outdoorsnmotors]

It’s because he knew she made good money already before she even said it.

[@Ja50nkAt]

They can knock it out in less than two years if they adopt rice and beans.

[@thorneto2742]

Lol chiropractor smdh. Mumbo jumbo job and they go into so much debt for it. Boggles the mind

[@rodrigocortes3641]

They are on the right track 👏👏

[@yaboityler2617]

To anyone living "paycheck to paycheck," I'd recommend driving for Uber or some sort of gig job. You get paid based on the amount of work you do, and can use that as spending money. The regular job then pays all the bills and debt. Then if you find yourself out of spending money, you get to work that day and start working for it

[@musume7723]

"Rice and beans" If they live on half their income, that's $150k. Year. That's not rice and beans. That's a very comfortable life

[@daveavemian5940]

@nysyne7723. The taxes on high incomes are huge. She's not taking home 300. She's taking home 200. Trurth be told they can live on 70 and throw 130 and be done in 2 years.

[@peartfaldo]

Rice and beans are delicious

[@WonderWomanInMichigan]

Sounds like they are doing amazing. At the end of it they will be golden 🎉

[@gero4415]

Maybe stop blaming the husband while she is being over dramatic? Especially the husband is actively paying for her student loan.

[@TaurusBebez]

Maybe you didn't hear that they both paid his student loan debt off first?

[@gero4415]

@@TaurusBebez doesn’t change the fact that the husband is actively paying down her loan now.

[@brandonmcmillan9641]

She is only 31 years old and make all that money smh. She is fine, her husband probably saying, "see I already told you that we are on track." 😅😅😅

[@jacobmoreno6339]

Always funny when they use gross income and hypotheticals to help people.

[@GolfDuff]

Nothing beats rich people complaining😂

[@adamseidel9780]

“Waaaaaaaa this is going to actually require effort and sacrifice, wahhhhhhhhh”

[@Lon1001]

This call was just emotional venting and not much else. Caller is in good financial shape.

[@meggrotte4760]

This is hard for me to understand because I spent the last twenty years working in taiwan I make the equivalent 18000USD a year I moved there after I graduated because I was worried.I wouldn't be able to pay off my student loans twenty years ago I only have 20000 USD I've never seen the kind of money but these people have

[@hollyb6885]

2:00-‘He’s waiting for a religious exemption so he doesn’t have to get vaccinated.’ Pause for eye roll 🙄. I don’t know if I’d trust his medical expertise.

[@Nayahpooh012]

This woman is a professional victim. She had everyone going in the first part. What is she crying about?!

[@bellad1063]

Exactly Dave. Thought she was making 30k a yr with 400k in debt. She’s so cashhhyyyyy it’s ridiculous!

[@robertjetski8736]

I genuinely thought she and her husband were in their 60's...