I'm $173,000 In Debt and STRESSED OUT!

[@TheRamseyShow]

Say goodbye to debt forever. Start Ramsey+ for free: www.ramseysolutions.com/ramseyplus?lead_source=Organic_Social&TRS_highlights_debt_description&

[@Originalman144]

If you can’t tell the wife you both did something stupid without “sleeping on the couch” then you’re not the husband. You’re a little boy and the son in the relationship.

[@TylerCummings6]

Or maybe they never set the right dynamic to begin with. Or there’s some unhealthy entitlement.

[@michaeldavis2039]

Sounds like the dude is trying to think logically about getting out of debt, but his wife is thinking emotionally on keeping the stuff. Ramsey is right, she is acting like he is her daddy, not her husband....there is the disconnect.

[@costco_pizza]

@Juan Williams: Completely agree. He needs to man up!

[@joesmith3590]

No strong male role models for a generation. Destroyed the country. Poor guy likely raised by a single Mom.

[@xsgtxbigboy1655]

Maybe she’s a pos yall always blame the dude

[@AgentOrange88785]

I just became debt free this past weekend after selling my home. I was 45K in debt and that was a nightmare! I cant even imagine 173K.

[@reneritchieglveaway4087]

Congrats

[@reneritchieglveaway4087]

Why not make 50k with 5k

[@reneritchiegiveaway1330]

@@reneritchieglveaway4087 how?

[@reneritchieglveaway4087]

I was debt free when i made 50k with 5k I did it with the help of

[@reneritchieglveaway4087]

@@reneritchiegiveaway1330 Madison

[@riskbusin3ss]

I live in Southern California, seems like everyone is driving fancy cars and drinking $6 latte, with not a single care in the world. BUT, in reality 63% Of Americans don't have enough savings to cover a $500 emergency, and let that sink in.

[@philipgerry5228]

In Texas they call that having a big hat and no cattle.

[@riskbusin3ss]

@@philipgerry5228 Good one!

[@boston312]

i also live in So Cal and this is correct. Everyone is living this rich illusion under debt. I have no idea how the stress doesnt add up for these people.

[@Josh-by9fv]

I agree every Starbuck's I drive by in Southern California. Must have at least 20-30 cars in the drive thru ALL DAY. I don't understand it myself, makes me scratch my head and just keep driving. Starbucks is overpriced trash anyways.

[@mikehurt3290]

Explains why there's so many homeless, it's like people in California have no common sense

[@justinleboss2849]

Financial literacy is SO important man. I refuse to live my life with so much stress. My future family deserve a debt-free life with no stress.

[@MarcyJ2F]

They will appreciate that. I know I would.

[@msbrithorton]

They absolutely do! I hope you and your future family will have a debt-free life and live a prosperous, healthy, and happy life!

[@chrishooshmand]

The stay at home mom with no job is refusing to let him sell the truck and 5th wheel to get out of 100k debt?! Stories like this remind me how happy I am to be single.

[@mle011]

The problem isn’t that he is married..the problem is that he married the wrong person.

[@justinacase2623]

@@mle011 LOL! The next one will be worse!

[@boston312]

@@mle011 with a 50% divorce rate im not sure if there is a right one. Even the so called successful marriage on the surface seem to be stressed out and unhappy once you start talking to them. Way too much financial risk for a man nowadays to get married.

[@maryboyle6562]

When I married my husband I got him to start investing in real estate and the stock market (previously he contributed generously to his 401K and Roth but had amassed a bunch of cash that was just sitting) and brought my investment portfolio (~$250K at age 28) doubling his net worth. We both made $100K/year and the investments I got us into contribute another $50-100K/year. Marrying me was the best financial decision he made. Don’t stereotype women just because you haven’t found a good one ☺️

[@jimroscovius]

My wife and and I have said many times that we did lots of stupid when we were young. We have no problem saying we were stupid.

[@elizabethallen4353]

Yep - same!!

[@vildachaya6462]

When I shredded old receipts and statements, seeing my old dumb ways, I felt relief in how I’ve come Since

[@gabrieljensen5752]

Thanks for the feedback! For guidance on investment 👇 🗨W h a t s Ā p p |±| |1| |9|7|8| |6|3|3| - |5|6|0|7| ✉

[@NadyaPena-01]

Wait. The wife doesn’t have an income but still wants to keep the $100k worth of vehicle debt? I am shocked. I was expecting the wife to at least be working in order to keep the vehicles but no. She expected her husband tackle it on his own without a way out. My goodness.

[@blackworldtraveler3711]

Not shocked at all.

[@Rashaadthegr8]

Alot of women want the man to handle all the bills even if they work.

[@darex0827]

@Ziggy Sobatka at 26 years old in the military, only way he is doing that is with income, housing allowance, some form of specialist officer maybe?

[@darex0827]

@@Rashaadthegr8 A lot of people want the other to deal with that, so much easier.

[@Rashaadthegr8]

@@darex0827 huh

[@Justsayingthat]

I will never understand how people buy cars that are equivalent to a years income. Is it really worth a years worth of work?

[@a-a-ronbrowser1486]

For a cyber truck? Yes it is...lol

[@Justsayingthat]

@@a-a-ronbrowser1486 😀

[@Alex-jr1zs]

most def is.

[@timetowakeup6302]

I drive a 2003 Toyota Avalon with 248K miles on it. Thing runs beautifully and all I do is put gas and oil in her. I refuse to make car payments and jacked up insurance rates.

[@costco_pizza]

@@timetowakeup6302 Yeah but who is going to respect you driving around in a used Toyota? Who will want to associate with you, befriend you, or love you? No, you need to get a proper new car that tells the world that you are a somebody. That you have made it.

[@PInk77W1]

I’m a high school drop out. I made $54k in 2020. I have no debt I have no car I paid cash for my home. I have big savings. Eat at home Live below your means Fear debt.

[@geo865833]

Awesome!

[@xsgtxbigboy1655]

And how exactly did you pay off ur home making 50 I make 75 with no debt and ain’t anywhere close to that

[@PInk77W1]

@@xsgtxbigboy1655 I paid $23k cash for my home in Coleman Tx. 400sqft cabin style home

[@bluebearbank247]

This is a tough one. Dave & Anthony, you gotta understand the guy's position. He must be fearing that if they sell everything and move to a 1BR apt, she'd file a divorce (she is a mid-20s female in San Diego..., she isn't ready for rice and beans with a pickle on side). Living like a college student may means divorce court.

[@befree9579]

So ur blaming him for trying to be responsible? l0l ridiculous.

[@genwunner6783]

Don’t hang on to toxic.

[@Justsayingthat]

@@befree9579 no. I think he showed her a life that he really can't afford. It will be hard to give up.

[@iancaudill6005]

Hopefully she's not so shallow to throw away her marriage over some stuff.

[@allanhood8402]

Lose that lazy brat

[@jermainew8394]

This caller just had a financial reality check and is serching for help while his wife is still on her debt Honeymoon.

[@v0mdragon]

his rent payment is going to be more than his mortgage payment. hold on to the house and sell the dumb stuff.

[@user-jy7yw5kw3w]

Sell the cars get a hooptie a 2000$ Ford Taurus or something will do, pay off the debts call it a day. And if the wife doesnt like it she can work and get all the fancy stuff in her name lol that's what I'd do.

[@willelliott5052]

Poor guy. Hard lesson. He is broken up. It felt so good for me to tell my wife "we now have things moving in the right direction. I hope that he has the same experience.

[@sciencetypeperson2401]

Selling an appreciating asset to pay for a depreciating asset 🤦‍♂️

[@Shay-yg7nm]

This guy is so stressed out he is talking in circles

[@imxploring]

He didn't mention kids.... dump the wife now.... it's only going to get worse.

[@Rashaadthegr8]

Don't date or marry in debt. If you want to win in relationships and marriage

[@tduck828]

So true. I will be single forever. Most people dont and wont have this mindset unfortunately..

[@Rashaadthegr8]

@@tduck828 why will u be single forever?

[@Rashaadthegr8]

@Mr D speak for yourself.

[@JustAName-it5qp]

Intermittent fasting helped with my stress and depression. My mind is healed and I can tackle debt with motivation.

[@topcheese2889]

It truly cures all

[@izgil7541]

Interesting. I've been trying that in the past and as soon as I see results I get off of it and gain the weight back =(

[@JustAName-it5qp]

@@topcheese2889 it really is and my body feels younger. No more laziness

[@vchafab]

@Just A. Name do you do 16:8? Do you eat anything you during your eating window or do you follow a meal plan?

[@JustAName-it5qp]

@@vchafab 16:8 w/ Keto

[@AtomicQuotient]

Nothing wrong with being humble and saying I made stupid mistakes, to err is to be human. Good advice

[@DeepDataInvesting]

Oh my goodness! Stressed as you should King! 😮

[@telecasterbear]

"But I want", does not make it a great choice.

[@allysoncipollone890]

I love Dave's crew, Anthony is one of my favorites ❤

[@cabayern9416]

He does not make 100k in the military at 25 years of age. Lazy wife needs to work and not be entitled.

[@RadTradDad]

In San Diego he does. BAH is based on geographic location.

[@twincherry4958]

@@RadTradDad I'm not sure how that is possible. 25yrs and 100k in the military? I've gone through theit pay thing online...it takes a lot!

[@BB-fl3ss]

@@twincherry4958 BAH plus being an officer would get you into that income range

[@SkylineGTR06]

Probably an officer and he's factoring in his allowances.

[@cabayern9416]

@@BB-fl3ss double check pay scales. Not even as an officer At age 25 he would not be very high ranking. I am quite aware of salaries and BHA. Plus, listen to his language - very poor language skills. I am guessing not an officer. N

[@monicadhenderson8670]

Thanks AO!!! Its not what we say its how we say it!!

[@jackadams8299]

My guess he’s an officer in the military. There are financial advisors and counselors everywhere on military installations. I hope he and his family reach out

[@James-zy4nc]

Officers make six figures in the military at 26? I don’t know anything about the military, but I was under the impression it doesn’t pay well for most.

[@Liz2613]

@@James-zy4nc It varies. I thought the same thing at first, but he is living in San Diego and the pay could change depending on where he is stationed.

[@jackadams8299]

@@HermannTheGreat to gain other perspectives or reassurance

[@bitcoinmaster3634]

Nothing will change a person’s mind when they are determined to drive the entire family into financial ruin.

[@Rosemari753]

I'm a warrant officer and make a hundred thousand in Utah. That's including housing allowance and some other additional pay I get. A 1st lieutenant with the San Diego housing allowance could definitely make $110k depending on their years in service. The military only doesn't pay well for lower enlisted with not many years in service. As an E6 with 14 yrs service my gross yearly pay was about $75k.

[@mberge1]

I always pay cash for my cars, they usually need some kind of repairs, but I have no car payments.

[@GeometricMason]

He's in the military in San Diego and has a vehicle he can't afford... I bet he bought it on the National City Mile of Cars... also known as "The Mile of Thieves."

[@30cjbeast]

Lol making100k+ yea okay

[@fortunateson2]

@@30cjbeast yeah unless he's like an O-4 he's not making that.

[@michaelweyenberg6238]

@@fortunateson2 he said $100 to $110k

[@30cjbeast]

@@fortunateson2 if you’re 26 and 04 you’re not making stupid decisions lol.

[@fortunateson2]

@@30cjbeast not true. I've met too many incompetent officers in my short military career, far too many! and this guy sounds like no exception. Plus I've never met a 26 yo O-4 he'd have to be an extremely high speed graduate from West Point or Naval Academy. That's not him, if it were he def wouldn't be on the line w/Dave Ramsey asking for financial guidance that's for sure 🤣🤣🤣

[@bobslenker27]

Some similarities to my story. Something I always tell younger folks is that “a saver will always lose out to a spender.” Gotta have the same philosophy and goals when it comes to finances. Otherwise, your relationship is doomed. As well as your finances.

[@gessrinky9129]

I have a hard time believing he makes 100k a year unless he’s an officer

[@markolguin8750]

Even if he was an officer he would still be a junior officer at his age, maybe a captain at the highest. I doubt he makes that much too.

[@TuyetNguyen-pp2ew]

He may be including all the housing allowances, food allowances and other allowances...the $$ amount depends on the area and San Diego is pretty expensive.

[@SVSky]

@@markolguin8750 He's an officer, prob an aviator bringing home all the allowances. And she's a classic officer's wife.

[@markolguin8750]

@@SVSky He still couldn't be making that much unless he was adding all the allowances, which in that case its not salary per say.

[@michaelb.8953]

@@SVSky He doesn't sound smart enough to be a military aviator.

[@milexp.1331]

Im 15, turning 16 I love The Ramsey Show!

[@antzlive70]

Thank you for your service Anthony. Get your spouse on board and you will come out of it.

[@LifeofKairo]

"We were stupid" is definitely not going to go down as well as "I was stupid" 😁

[@smokeeater1769]

Maybe so but when you become married, the pronouns change.

[@ginah.864]

Single folks PSA: Pre-Marital Counseling!

[@latimer442]

Can't sleep on the couch if you sell the couch.

[@ehsoule]

How does someone in the military at age 26 make over 100k a year?

[@SVSky]

He's an officer.

[@justinacase2623]

@@SVSky But not a Gentleman!

[@jacquelinemay]

O2 to O3 bah in San Diego is about $3000 to 3300. Plus bas with two dependents and any possible specialty pay he might get. 100k/yr is completely feasible.

[@subjecttochrist]

I am looking forward to teaching my children sound financial principles, Lord willing. I made a lot of bad financial decisions in my past. Baby steps help you get out of a mess, and it takes time and discipline and sacrifice. Almost everyday I have to stop myself from splurging on big purchases...

[@gabrieljensen5752]

Thanks for the feedback! For guidance on investment 👇 🗨W h a t s Ā p p |±| |1| |9|7|8| |6|3|3| - |5|6|0|7| ✉

[@masterbeuner89]

Because of Dave i bought a $1500 cash second small car. Instead of something more expensive.

[@between_the_lines12]

Definitely inspiration to avoid debt as much as possible!

[@shannonzittlow8462]

Maybe live in a fifth wheel trailer for a year when houses become half-price after the correction can buy a more affordable house

[@timetowakeup6302]

Dude married a spoiled rotten princess and is just about realizing it now. This won't end well.

[@minervagalvez4748]

He will survive a divorce from his wife...he needs to be financially successful in order to take care of his child NOT his wife. Walk away soldier...just walk away.

[@aolvaar8792]

My State will pursue you across State lines and drag you back in chains for the Crime of, Abandoning a Spouse A God help you, if you abandon your child.

[@joelwalberg9802]

It's scary hearing this because the top reason for security clearance denial is debt and financial issues. This isn't only effecting his mental health now, but could also effect his career.

[@harrys5925]

And then theirs people who have over millions in debt with their investment properties and other stuff. I guess it’s all about if you can handle the stress or not.

[@cesarperez3822]

Id rather sleep on the couch for a couple of days, months or even a year than sleep under a Bridge.

[@alphathefirstone1222]

Hire a divorce laywer..There is an old saying. "The way you got her is the way you will have to keep her"..Sound like you got her by spending big money , not caring about the price tag, splurging ...So now you are starting to care about that.. she going to bounce....and I do not blame her...More Men need to stop this splurging and spending big to get Women.. it getting ridiculus out here. You will be suprise at how many women say "I didnt tell you buy all that...Hire divorce lawyer....you got her by spending big.. you will have to do that to keep her.. she going to bounce....B1.

[@justinacase2623]

WORD!

[@philmarsh7723]

"stupid and normal" Dave is spot on. Stupid is very very popular.

[@advanceprollc4500]

He feels stressed

[@tjcabq]

Officers (O-3 w 8years of experience) in San Diego get $122,184 per year if living off post.

[@droolalot5795]

I just looked up the officer pay scale and no way he makes 100k at 26.... Although if he's married and gets baq etc that could push him to 100k. Plus his buying power is increased if he shops on base and pays no taxes

[@philmarsh7723]

Owning your own home actually isn't all that great for your finances. The main power of homeownership is the it forces the owner to pay down the mortgage.

[@meancarleen]

I would NOT try to CONVINCE someone who is bringing in $0 per month of ANY financial decisions- come on man ball up!

[@9liveslisa]

Anthony, don't say "tell your 27 year old". She is his wife, not his 27 year old. lol!

[@ginah.864]

@jtheobbles86 Exactly

[@snackman2005]

He is in the military he is 25. Said he makes 100K a year. Im calling BS.

[@lindseyandrewal]

Nice delivery AO!

[@Dangerclose1]

How does this dude have a security clearance with all that debt...he’d be easy pickings for a foreign intelligence service.

[@justinacase2623]

Good call!

[@aolvaar8792]

I knew a guy who failed his "read in" over +$25K in CC debt, after waiting a year for his NACLC to come in.

[@choreomaniac]

Sad that a naval officer is so spineless with his wife that he has to call in to get the guts to decide not to go along with stupid financial decisions.

[@khanhcao3123]

He is the man of the house and needs to take the lead. He also need to put his wife in her place.

[@choreomaniac]

@@khanhcao3123 yes. But what amazes me is he is literally trained to lead sailors into battle and five orders that might lead to death. But he is too afraid of his wife to make the right decision.

[@elizabethallen4353]

This young man sounds incredibly stressed......like his adrenaline is wayyyyyy up on a regular basis. They’re so young.....doing what Dave says won’t be too rough short term, and long term will give him so much peace.

[@JonnyBgooD007]

No offense and as prior military (Navy), I've seen this a lot. I hope this isnt the case, but I forsee a divorce after one more deployment on this one.

[@WheelsandWallets]

I’m not sure if I heard that right 100 K a year in your 20s in the military?? Great content love watching your videos Dave Ramsey

[@RadTradDad]

Depends on location.

[@RadTradDad]

Exactly. I made around 90k at that age in SD in the military. Doesn't go that far in a place like that.

[@genxx2724]

How is the caller in a state of military readiness with all that debt weighing on his mind? Why does the military not teach about this?

[@hikerhobby1204]

The military teaches financial readiness.

[@justinacase2623]

@@hikerhobby1204 Did they issue this deadbeat wife?

[@daveulrich4623]

Did anyone else notice he really skirted the question of what they were going to do once they sold the house? My best guess is this poor dude is drug around by his non working entitled, keep up with the neighbors lifestyle and she’s wanting an even more expensive home. Poor dude is going to lose everything because his wife doesn’t know anything about finances or budgeting.

[@mle011]

I caught that too. He/they want to buy a more expensive home!

[@rollingacresfarmstead206]

I kinda thank my parents for struggling growing up and losing a business. Ive been pretty darn scroogish ever since

[@f_r_e_d]

If she won’t budge, say hello to your new single life with your finances and mind clear

[@janicerambo1311]

I love Dave’s way of saying it, stupid!!

[@joebadgermoneymentor8436]

Hey Anthony this is Anthony, we have awesome names don't we? That's all I got

[@littlebell0000]

Is it just me or is the new intro music WAY less stressful?!

[@genxx2724]

@moon man J That was Gerry Rafferty’s Baker Street, 1978.

[@genxx2724]

Lol, this is the baby’s room music box chime version of the same music.

[@justinacase2623]

@@genxx2724 Miss that guy!

[@leadnsteel1428]

I was stupid too and bought a new vehicle.... will never buy new again. I'll have it paid off this year though

[@NonchalanceInvasion]

Is it common for people in the military to be making $110K a year at 26?

[@gonzaga45377]

Seems like an awful lot. Unless he went to a military college and is now an officer?

[@21mejia25]

Its very likely for an officer, especially in San Diego.

[@Lisa-vu5vi]

He's probably an officer.

[@tymom9313]

@@gonzaga45377 $100k in CA is good income?

[@aprilelias2773]

A lot of Spec Ops are in San Diego. They get bonus and special pay. And yes, he’s at the prefect age for that.

[@karimbennett5651]

He should have bought a Honda Civic and called it a day.

[@choreomaniac]

Their choice is basically to sell the house to pay for the truck and fifth wheel or sell the fifth wheel and truck and keep the house. What will each choice look like in 20 years? The house will go from being worth 500k to 1.5 million and the truck and fifth wheel will be worth zero in a scrapyard. And they will have paid $800k in rent. You can’t win financially by selling appreciating assets to buy depreciating ones. Who sells SanDiego real estate to buy vehicles?

[@gabrieljensen5752]

Thanks for the feedback! For guidance on investment 👇 🗨W h a t s Ā p p |±| |1| |9|7|8| |6|3|3| - |5|6|0|7| ✉

[@icelandic_mughal2223]

100k in military !!! At age 25. REALLY!!!!

[@keedndeed5883]

All lies

[@geo865833]

Would living in San Diego make a difference, due to the high cost of living?

[@enzoferrari88]

25 no kids and in the military… how does he earn 100k I find that hard to believe

[@cesarvargas7736]

Stop it and get to it brother!!!!!🔥✌

[@yarrdayarrdayarrda]

Why buy a trailer for a couple of weeks a year when you can rent one for the same timeframe and not take the loss for the other 50 weeks a year?

[@roolyfe]

💯 K in the military? Dang I picked the wrong 😑 profession.

[@roolyfe]

@Heather Mckenzie all my military friend here in San Antonio, Texas are not rich 🤑.

[@Polostar79]

$100K in the military is not uncommon. $100K in the military as a 26 year old is.

[@roolyfe]

@@Polostar79 I can see a general

[@Polostar79]

@@roolyfe a Lt Col or Col can easily make $110K. A 1-star General would make more.

[@joeh9213]

Stay away from Losers ☝🏻

[@richthepup]

Nah, this new intro sound aint hitting

[@profitmix441]

His wife has him by his manhood

[@benjaminpauldimedio1683]

i hear the repo man calling !!!!

[@TMoody]

I could not sleep with that kind of debt hanging.

[@EM3RALD0C1TY]

Geezus and I thought I was stressed with 28k in debt

[@alshallon]

I like this new intro.

[@theresemeggitt8455]

173k yikes! Sell those vehicles... they are a burden. Period.

[@phatcrayonz]

Debt is bad. Freedom is good.

[@Coreyj06]

I like the silent intro better

[@imxploring]

This guy is 26 and in the military making $100k+? Did I miss something? Did I hear that right? And listening to him he doesn't sound like leadership material.

[@calipdis2]

Married with a kid and debt... shocking -_-

[@Tr1Hard777]

Camper and truck would go tomorrow and keep the house.

[@FIREownyourtime]

Sell all vehicles, keep the house. Work to pay off CC and vehicle debt. They are going to regret selling their house

[@30cjbeast]

26 E5 making 100k+ sounds suspect already.

[@Jajaky]

music in the beginning is so annoying. feels like the intro in a movie theater

[@LegacyFarmandHomestead]

Sell the dependa.

[@Robert-pm6bm]

Like the new introduction

[@VintageStereoCollector]

$100 thousand debt insane

[@mrsaoallen1707]

I thought Dave didnt allow ads!? He wants that money as well.

[@Charlesbjtown]

This guy was hard to listen to. Talked in circles, got old after about 30 seconds.

[@robertmontgomery7158]

Did he say 100k in the military? Not the military I served in.

[@macneoh7418]

Why do people get married? It's so much easier when you don't have to get another person "on board". She will continue to drag him down financially, emotionally and spiritually until either the money runs out or he puts his foot down. Then, she will take the kids and force him to pay child support and alimony. The dumbest thing a man can do is get married.

[@Justsayingthat]

If you haven't realized, they both were "on board " for bad decisions. He switched ships and she will have to as well.

[@macneoh7418]

@@Justsayingthat she will switch ships all right.....she will take the kiddos and find a new ship and captain that isn't so boring. That way she can jump in the 5th wheel and post on social media about how great her new life is.

[@mikedoyle5901]

Sounds like you need to convince someone that don’t work. Should not be hard.

[@jerstiene6861]

Better chill intro!!!