I'm Scared To Pay Off Debt!

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[@johnulcer]

Man, I hate to seem negative, but this made me realize how much I miss when Dave took calls on his own. No interjections from the "good cop" co hosts. Just Dave telling her how it is and not letting her off the hook. It's just so much better when he takes calls on his own.

[@atdepaulis]

I have thought this too often… I like some of the other hosts too.. and he deserves to retire at some point 😜 but yes I loved it just him too..

[@TheonlyBacelona10]

The other hosts are Dave try hards

[@Beekeeper8011]

Lol

[@littleripper312]

I don't think the good cop hosts would have let this one go though, this woman was pretty bad.

[@Arithmetic00]

I don’t mind the idea of two hosts, the issue is the hosts themselves. None of the others are confident giving financial advice, which is sad because this is pretty basic stuff. Ramsey Team - just go out and find a sharp, charismatic CPA to stick on the show. They’re out there, I promise. And let the other guys stick to their respective specialties.

[@montymython754]

My husband and I are debt free today!!

[@karenjensen2345]

Same here

[@celeste7469]

Congratulations!!

[@jazzylew7627]

DEBT FREE SCREAM!

[@BK12344]

When someone says their scared to pay off debt just proves how bad people get suckered in to borrowing and staying in debt.

[@Polo22546]

FACTS!!

[@xman666soad]

Stockholm syndrome.

[@jonnyweber3311]

Soo true!!! But when it's paid off, it feels so good!!!

[@sagatuppercut2960]

I worry about not having emergency money if I pay off my debt right way instead of spreading out the payments.

[@LeFKay]

@@sagatuppercut2960 but if you’re debt free, you’re able to save even more money and build your emergency fund back up fairly quickly…

[@diceportz7107]

A paid off house and no job is still better than a mortgage and no job with some cash in the bank. You can get a job at McDonalds and pay the utilities if the house is paid for. You can Uber or be a pizza delivery person. No debt gives you so much more freedom.

[@lifeisbeautiful9455]

Amen

[@arturomoreno9319]

Yes!

[@jason-dn3hy]

100% correct!

[@dancalmpeaceful3903]

I got laid off..but I had my house and car paid off. I sailed through it and in fact, didn't work for about a year (my choice). The only issue was health insurance... I was so glad I paid that house off years ago...

[@dash4800]

exactly, people act like you need to be a millionaire. The reality is you just need to not have debt. Once you have a house paid off you are basically on easy street no matter how much you make.

[@MinimalDesing]

The moment he crossed his arms is the end of it…

[@richardkilley6838]

Dave "storm mode, I'll show ya storm mode!" 😡

[@michellegrovak]

Where is your emergency fund on all this?

[@LiamR90]

She doesn't realise that money isn't hers anyway. If she loses her job she will be jobless and still have to make minimum payments. That's the real fear and stress.

[@Zizzyyzz]

Yeeup.

[@fhuber7507]

They never went on "Rice and beans, beans and rice" They went on a spending spree.

[@mxerb5912]

This call hurts my brain. I’m a bit worried she’s a pilot. I wouldn’t want to be on that flight

[@blessedfromtx.1910]

😬

[@namastenadine6690]

Me too 😂😂

[@staceystrukel1917]

Thats what i was thinking. She did not sound very bright.

[@Originalman144]

I'm skeptical that she's really a pilot. She was incredibly inconsistent on very minor things. Pilots are usually quite rational/logical people and not overly emotional

[@letstalkaboutgermany8288]

Did she say she is a pilot? I didn’t get that. Yikes!!!!!!!

[@winchesterhollow2899]

"i HaVe tWo CArEeRs"

[@sami-9233]

Love when DR hosts the episode HIMSELF and not with an extra person there

[@johnulcer]

Yeah, it's truly so much more captivating. It brought me back to the old days and gave me some nostalgia. He was just much more dynamic when he only had to worry about speaking on the calls. Now it's like he is often afraid to speak too much so his co hosts can jump on, but unfortunately no one ever listened to Dave Ramsey for what the co hosts have to say!

[@Albert12893]

It’s daves show,hopefully not retiring for a long time yet

[@offerskirksey2255]

This woman is insufferable.

[@poetnumbrr8]

Seriously

[@taahdaah3813]

She doesn't want to spend her savings on debt.

[@RRK1]

Bingo!

[@KEANUWHITE]

then she should perish with interest and high debt, her call

[@alexandrapalacios3955]

If you have debt, you don't have savings. Period. That money isn't yours. People who have a savings account and are in debt are just deluding themselves

[@RRK1]

@@alexandrapalacios3955 well said and very true. Unfortunately there’s a lot of delusion these days.

[@marksandoval5361]

Nothing better than being 100% debt free. The peace of mind is amazing. Wouldn't this women be in a better financial position if she was debt free when/if she got laid off?

[@dancalmpeaceful3903]

I can't even imagine getting back into debt.... I"ll never let it happen again.

[@NaNa-lt1po]

Now that's what I'm talking about.. Dave , flying and screaming solo No one to parrot the baby steps...

[@chocovanille5809]

This woman is most of America. High income but two paycheck away of losing it all.

[@Lapetak]

That was a great conversation, I loved it. She is going to be fine, she just needed someone like Dave to talk to her.

[@robertthompson5908]

This woman is irrational.

[@alexfonseca2063]

Life is not rational.

[@danielb3863]

@@alexfonseca2063 Only if you make it irrational. No one puts a gun to your head and makes you live that way.

[@sorrygtfo]

Dear lord, this lady is crazy. All of the major airlines are in desperate need of pilots. She will NEVER be out of a job.

[@michelleh4717]

she's unvaccinated (the whole "medical freedom" part)

[@FancyRPGCanada]

@@michelleh4717 still blows my mind that people drank the koolaid on being anti vax so hard they were willing to lose their careers over it

[@Dperfater]

I applaud her for choosing medical freedom. I’m a nurse and did the same. Tough times when tyranny moves.

[@rachelharrison7961]

A retaining wall sounds pretty useful in a storm TBH.

[@jimroscovius]

Dave is so right here. If you can fix a retaining wall, you can pay off debt.

[@CarriedSilver]

Not only that but she spent 50k on it. She got ripped off big time.

[@MelissaLona]

It’s funny how the mind work. I know someone that have a lot of money saved up but is afraid to take a huge chunk of it to pay off all their debts. But when you have very little saved up and you just pay off everything, it actually seem easier. I think it’s because you just see yourself as getting out the hole especially if you don’t have a nest egg to begin with. I think for people with a savings, even though the debt is gone, they see it as their cash is gone too. I think when you’re looking at it that way, it’s harder to make the decision to pay it all off.

[@Michael-ft9pm]

He becomes more like the angry "get off my lawn" guy with each video.

[@jimroscovius]

@@DarvonBrown Yes, some do. We have a retaining wall, but it doesn't affect our house. It doesn't look the best, but we wouldn't fix it unless we had extra money.

[@Overlord277]

@@DarvonBrown The guy has been in real estate for a very long time, I am sure he would be aware of retaining walls?

[@jimroscovius]

@@DarvonBrown Fine. Then fix it,c when you have the cash. That's what we do. We don't borrow money.

[@Overlord277]

@@DarvonBrown This is under the notion that the retaining wall to whatever extent was necessary. Suppose the converse was actual. What now?

[@sagatuppercut2960]

Airline pilots are in demand...unfortunately, they don't get paid what they're worth. Some of them make less money than bus drivers.

[@iamaltitude]

Dave’s short circuit scream at 2:10 lol 😂

[@1timothydillon]

Dave: It's all your income, it's all one pile, there's no bifurcation here. That was hilarious! I wonder how many people have a side hustle or a second job, and keep everything separate? Doing so adds complications, especially if you start to think you don't have enough of an income from one job to live off of, or enough from another to pay off debts. Household income equals total sum of all money received. If it fluctuates, adjust your budgets accordingly.

[@filmislife77]

I do this All my rental income goes to one brokerage . 60% of my work income goes to coinbase. And all the money I make in premiums from selling options in my main brokerage stays there. It's really no different from people who put their money in envelopes and write what that envelope is for. The money I received in rent goes towards my real estate brokerage which will pay for repairs, upgrades or be a down payment on another property. It's a lot easier to keep this money separated for me to continue working towards my goals instead of keeping it in all one pile

[@1timothydillon]

@@filmislife77 That's cute, but what you just described is a business, which is different. When you handle rental properties, it's under different tax forms than it would be if you merely had two or three jobs. Same with your investments. If you're running a business, you don't buy a washing machine for your house, then try to right it off as a business expense. Not legally anyway.

[@francom2052]

Did I get right she’s gonna lose her job as a pilot because she refuses to be vaccinated? Or did I get that totally wrong?

[@Torso6131]

Imagine being worried about losing your job and having that be the only thing that would make it happen. Also someone being worried about a worst case scenario and not getting the vaccine. Unbelievable.

[@francom2052]

@@Torso6131 totally unbelievable.

[@pablo750]

That's exactly what she said , her medical freedom is not to get the vaccine , The best economical advice would be ; just get the frickin vaccine, I am against vaccine mandate but don't lose your job for a stupid vaccine .

[@musicessexx]

@@pablo750 Especially a job that is so difficult to get.

[@teresaevans4840]

@@pablo750 🤔 makes sense to me.

[@webfreakz]

YOU FIXED UP YA KITCHEN! lol Dave calm down!

[@micheledaugherty275]

Solo Dave all the way!! Connection , Longevity, and Life Experience.

[@pdxmusl1510]

To be fair... retaining walls are often pretty cheap... sometimes cheaper than dinner at McDonald's.

[@cazpk6840]

Good question and good luck to this lady. Gonna be ok 🌷🙏

[@CorayjessleighKreations]

This was a good call!

[@Kelly-wo3jz]

I really needed to hear this today, this has been my problem for years.😢🙃😬 Praise God for her calling in. 😅🙌

[@Gus_Chiggins]

Storm mode? What

[@Peter-mf6gh]

Dave is so Right!

[@nryanmusic]

I'm in a volatile industry... I've never been without income.... WHAT?!?!?

[@framseen2]

It's volatile right now because of the medical freedom issue for people who decide to not get the jab. Many people have been fired from their jobs for that reason

[@mygoodnessdarlin]

This is great advice for those of us who are in professions where we always are preparing for the worst case scenario / maximizing safety/ minimizing risk. His approach is a wise balance: minimizing risk with zero debt, then accepting financial risk once you have a reasonable financial safety net. Excellent advice.

[@Weakeyedominant]

I know how this person feels. Excluding mortgage I have 15k on interest free debt that I could clear tomorrow but I don't want to clear my emergency fund when I can afford the repayments.

[@dedalliance1]

If it's 0% interest keep it.

[@Kaodusanya]

I'm assuming it's student loans. I have the same issue if I sell my car.

[@KEANUWHITE]

@@dedalliance1 And i'm pretty sure it's not zero. Paying interest when you have the money, is the definition of CRAZY!

[@Anglophile2012]

Unfortunately most people live way overextended

[@123donmaster]

Ramsey should do a video on how to get out of tool truck dept. its really hard when your always buying new tools

[@opportunityknocks3954]

Dave never responds nicely when hears Ramsey-ish

[@fhuber7507]

There was no Ramsey in their ish

[@pscih7149]

Salut to her! What an admirable career.

[@Albert12893]

Go Dave.get them told

[@j.m0ney133]

The caller is picking and choosing "when" to be scared. She is inconsistent. It is time to decide to use "Dave's" plan or not.

[@gladlock]

Dave is super harsh and doesn’t always listen

[@siegfriedbraun5447]

Headline: "House slides into Ravine" Homeowner asked why it happened, responds with "Dave Ramsey said..."

[@Successbond760]

I work in tech and god it makes having two jobs so easy. But you can’t think about it as separate money because at the end of the day it’s your income.

[@icawn]

I would have liked to know what the husband was advising, and if his wife was dismissing his advice. Guys are usually much more logical, especially in "storm" situations.

[@PSCA1988]

"medical freedom " ROFLMAO

[@altratronic]

3:17 Dave! What the heck is a "nukyular winter"??

[@JegtoDFW504]

I think an update on this caller would be interesting

[@tedkunhardt3721]

Anyone else gauge the weather in Nashville based on whether or not Dave breaks out the Telluride jacket?

[@xmang8769]

Not Owing Anything is Key to Freedom and Control over yourself and Life, Deeds and Title's Look Good 🔐 Up

[@djpuplex]

She doesn't even own her own responsibility.

[@stephenshelton4267]

He never asked why she built that wall. It may have been necessary to route storm water or preventing the house from washing away or it could have been needed for making a garden pretty.

[@vane9584]

If it was necessary she should have said so

[@jimroscovius]

She didn't it make it sound like it was an emergency. If it was, she should have said so. She had plenty of opportunity. He explained it all later in the video.

[@jimroscovius]

@@vane9584 Saul the Troll loves to come on this channel and blast Dave.

[@jimroscovius]

@@vane9584 I swear Saul the Troll doesn't listen to the entire video.

[@RL-ww5ev]

if it was needed to make the garden pretty that's not a need that's a desire

[@skydude1996]

A classic facts don't care about your feelings moment.

[@andielliott7721]

Good, Dave. Call a spade a spade.

[@ezramullen4551]

Medical freedom, and freedom from logic

[@FancyRPGCanada]

Pretty funny how she says she cares about safety but doesn’t consider that taking a vaccine greatly increases her safety and the safety of those around her

[@carylhalfwassen8555]

As of mid 2024 her choice turns out to have been reasonable unlike the draconian mandates of 2021. Hindsight and epidemiology for a century gives perspective.

[@9liveslisa]

She hasn't gotten the big picture. lol!

[@inertiaforce7846]

I've met people like this. Debt creates a cycle of more debt. People don't realize how bad it is until they get out of it.

[@4JaayTv]

2:10 😂😂😂😂😂😂😂😂

[@Bryan-tf2ii]

Caller is the kind of person that loses a family it’s home by trying to improve it with no concept of money. Granite counter top in a recession type.

[@nancywidows463]

I feel for her....she makes great money and has become used to it...its hard to think of losing such a great job. At the same time, I doubt shes living very far below her means. Live like you make a portion of your income...then its hard for any variable to touch you. 👍

[@tyler3570]

The hyper volatile industry of the flight industry lol

[@flea4061]

Its a legitimate concern. People who spend all their money paying of debt usually end up accumulating more debt. Most people live in the real world. Things come up.

[@craigfulton2586]

LOL "The world is against me due to my medical freedom!"

[@jaredhammonds8255]

Super Saiyan Dave

[@kyleb835]

haha Dave just had a brain aneurism

[@EriksHouse]

Money is money 💰

[@ducky1593]

His whole demeanor changed once he found out she was a Pilot.

[@justinbowman2126]

She might need a new airline or new career if she wants to maintain her medical freedom

[@ghostpos]

Agreed. Unbelievable statement.

[@garrenshot]

Yeah absolutely silly not to get the vaccine and then lose 150k or so

[@ndane2]

We unfortunately live in a biomedical security state

[@Dailyfiver]

This lady isn’t living in reality. She has imagined every excuse possible to not pay her debt off.

[@codingispower1816]

Fear is a tough thing to overcome.

[@VegasMilgauss]

Build that wall, build that wall, build that wall

[@codyrobinson22]

I need a juicy cheeseburger & Diet Coke after listening to this call. I can’t take it.

[@MikeThePike316]

Lemme get one as well. Lol. BTW, why do people pick on us for ordering a diet coke with a cheeseburger, but not water? Both have zero calories.

[@MrTmenzo]

@@MikeThePike316 speaking of diet soda It's rare to find diet cherry Pepsi at the grocery store.

[@webfreakz]

@@MrTmenzo because it's nasty!

[@jazzyj6640]

Can I join? 🍔 me too!

[@MzEpiqBeatz]

Respect to her for standing her ground. Everyone can’t be bought… I mean I’ve never gotten a FLU shot, but I’ve ALSO never had my job or livelihood threatened over it either… everyone’s so ready to cave over something done using threat, duress and coercion and noooooo one thinks it’s weird?

[@jp__878]

Expect nobody is threatening or coercing anyone? They’re giving them an option to comply with their company’s standards or don’t work for them anymore. You can abjectly disagree with the company policies but to believe it’s malicious intent why? Because it’s been so politicized that’s the why

[@staceystrukel1917]

@@jp__878 you think its normal for an employer to force medical procedures on you? Not normal for the majority of jobs. Youre brainwashed.

[@sXePunkV2]

@@staceystrukel1917 the military has mandated many vaccines for decades, nobody has ever complained or whined about MuH FrEeDuM about that...

[@BikeHelmetMk2]

@@sXePunkV2 If the military paralyzes you, they also look after you... it becomes an issue of culpability when it is forced. Most employers will not look after you for life if something goes wrong. For a healthy person that never gets sick, weighing the odds of violent autoimmune reaction vs chance of sickness is a decision for someone and their doctor to carefully consider. A side benefit of less vaccinated people (though still above the hurdle rate) is more vaccines (sooner) for those that are at risk and need access to them. It also makes a subset of the population have less homogenized immune response to a threat, increasing the quality of the herd immunity. If everyone is programmed to generate one type of antibody, you open up the possibility that the threat could evolve around that defense (and likely will given how quickly bacteria and viruses evolve/adapt) - more diverse defense strategies makes that less likely to happen. My own personal view is that treating vaccines like therapeutics - prescribing them based on risk factors and overall exposure or a patient's worries - makes more sense than just giving them out to everyone or mandating them. This is not a popular view in North America, though much more common in Europe.

[@andyvu8513]

She so scared of everything, she is even scared of her own shadow

[@tessaburnett5084]

It all made sense when she mentioned “medical freedom”. Ohhh so you work a job where you earn good money and your job is secure, but because you don’t want to follow the rules of the workplace, you’re concerned you may be let go. Gotcha.

[@02DodgeViper]

Or because she doesn’t agree with a blanketed vaccine mandate and is standing by her values.

[@quietearthMT78]

@@02DodgeViper So I guess she didn't get her kids any of the half a dozen vaccines that are REQUIRED by public schools for her kids to attend right? She stood by her "values" and homeschooled them I guess..... idiots.

[@PrestonTocco]

@@quietearthMT78 there are vaccine waivers for kids in schools who's parents dont want to vaccinate. I'd be cautious who to call an idiot if you don't know what you are saying

[@elainex5666]

Bingo!

[@EverElia]

Can someone explain what she was saying about choosing medical freedom could cause her to lose her job?

[@codingispower1816]

I get it's hard to overcome the fear by spending your savings that took SO long to build up...but if you have debts... being free of them is better IN THE LONG RUN. In the near term it won't feel like it's better because you feel like you're going backward...but it's not reality. Being debt free will propel you faster to wealth then trying to build wealth while having debts to pay.

[@Jim_Curtis]

What she is, Dave, is a woman who has no problem spending money on things she wants, but doesn't want to prioritize other more important financial goals. Pretty selfish of her.

[@Jim_Curtis]

@@saulgoodman2018 Did you listen to the whole thing? Dave called her out on it. She's saying they're in storm mode saving in case they lose their job, but she wanted to get home improvements so she's spending money on that. C'mon man

[@Jim_Curtis]

@@saulgoodman2018 She's not saving money if she's blowing it on home projects that are not needed. If she and her husband were afraid of losing their jobs, they would be saving every dime they can. You don't see him spending money on stuff frivolously. If he did what she was doing, you probably wouldn't be defending him.

[@Jim_Curtis]

@@saulgoodman2018 Dave doesn't agree with you that it was necessary right now, if they are afraid of being unemployed.

[@Jim_Curtis]

@@saulgoodman2018 You're missing the point dude. What these people fail to do is follow a budget they both agree on, not just what one spouse prioritizes. Her and her husband need to get on the same page about their finances.

[@Jim_Curtis]

@@saulgoodman2018 Dave said that because she's only doing what she wants. I'm done arguing with you man.

[@StayHumble86]

You should've been scared to take on debt, not pay it off... Baby steps..

[@dominicstemmler1357]

I watched a video about compound interest and how it grows money over time for your retirement. What I don’t get is what type of account do I need to set up for that. Is it savings or something else?

[@guycoder]

Retirement and/or brokerage Investment account that is also set to reinvest any dividends automatically. It takes a long time before compounding becomes noticeable as compared against your own contributions but it does happen and you will notice one day your account growth and dividend reinvestments exceed your own contributions. Compounding is the long game but ultimately incredibly rewarding seeing your account doing all the heavy lifting for retirement.

[@janstolk486]

There is apps you can download to do the calculation , mine is called " compound " You simply fill in the numbers how long you plan th donate and how much per month , I use a 10% rate of return annually. You will be amazed how much you will have in 30-40 years and how little your own contribution is .

[@dominicstemmler1357]

And what’s the rate of return now? If I put $500 a month from now (18yo) till 60 will it actually grow into the millions?

[@V.Hansen.]

@@dominicstemmler1357 after 40 it’s over 1M

[@brianparrett114]

I wonder if she talks about her "medical freedom" when she wants to have a drink before she flies the airplane.

[@02DodgeViper]

I’m not understanding your point

[@brianparrett114]

@@02DodgeViper The caller said she was worried she was going to have to quit her job because of her "medical freedom." My understanding is that there are all sorts of restrictions on pilots.

[@02DodgeViper]

@@brianparrett114 Toward the end of the video they talk about getting notice and "vaxing".

[@mannyjeanpierre4062]

The ending of this call was a great worst case scenario breakdown. Having debt is never in your benefit. Ever. You're just about always better off paying it down and/or off so you have more cashflow next paycheck/month. Keeps more money in your pocket

[@erikrohr4396]

Wouldn't you have more money in your pocket if you don't pay down a debt?

[@mannyjeanpierre4062]

@@erikrohr4396 you'd have more of someone else's money when you don't pay down a debt. The money doesn't belong to you when you still owe

[@erikrohr4396]

@@mannyjeanpierre4062 If the borrowed money doesn't doesn't belong then you're saying it's immoral to have it?

[@mannyjeanpierre4062]

@@erikrohr4396 no never mentioned anything about morality in my previous comments

[@erikrohr4396]

@@mannyjeanpierre4062 So it's morally okay to have the money... and it is in fact more money in your pocket!

[@marknc9616]

Her home renovation was a retaining wall. People don't build retaining walls because they want to. They build them because they need to. Also, when people are flush with money they don't dream about building a new retaining wall unless they have an overwhelming need to do so. I've been on a HOA board when we had to rebuild a number of retaining walls in my neighborhood. We had some liability concerns where a crumbling wall was likely to collapse onto a public sidewalk. An engineer had determined that the buildings on the soil held up by the retaining wall were not at risk of collapsing. Anyway, retaining walls are very expensive to build. The only construction company we could get to rebuild the new retaining walls was the same builder who had built the original ones about 20 years earlier or so. Many companies won't build them because they take special construction methods and knowledge like bridges. Also like bridges, there is a lot of liability with the walls if a wall prematurely collapses. When Morgan, the caller, said retaining wall I understood that that could have caused her major financial implications.

[@karaayers2867]

Not always. I built a 65'x5' tall retaining wall for a customer that just didn't like his back yard being downhill. They wanted a flat yard for the kids to play. Took 80 yards of fill dirt and 10 of topsoil to make it a nice gentle slope

[@dash4800]

it was a "home improvement" not an emergency. If they absolutely had to build one she would have said so. Its like if a tree falls on your house you don't call the repairs "home improvement"

[@jaebeablessings1005]

😂😂😂

[@Peace-ju9us]

YES, always pay off debt.

[@youngedwards3265]

She didn't disclose her income. There are many pilots make less than $100k a year which not a great salary. She needs to prioritize on spending and manage her money better.

[@AtomicAdams]

I love Dave, but boy did his tune and sentiment REALLY change once he heard that phrase “chosen medical freedom” from her.

[@charityclark7910]

Sounds like she was being threatened with losing her airline job if she didn't take the jab.

[@wemustdissent]

Airline pilot who doesn't want to get vaccinated for "medical freedom"? What the heck?

[@hairypit10]

Medical freedom… smh 🤦‍♂️

[@jordanharirchi4604]

As soon as she said she chose “medical freedom,” her lunacy made much more sense

[@fawkestheplotphoenix964]

This lady so obsessed with a second job

[@lifeisbeautiful9455]

Her voice is annoying me and how she’s so indecisive… just be debt free.

[@wewhoareabouttodiesaluteyo9303]

Have at least a year and a half savings and then you will feel better about paying off debt.

[@egeorge4378]

I have over 800k in mortgage debt, can I ever pay this off sooner than in 25 years?

[@dedalliance1]

I don't know, can you?

[@sohd2283]

Karen didn’t like Dave telling her the truth 🤣

[@factshurt5362]

Sad she is in the feeling of losing her job because “my umbrella doesn’t work unless you have an umbrella” nonsense going on in the world today.

[@Peace-ju9us]

When will the STORM pass?