“I’m Setting You Free and You’re Arguing With Me!”

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[@princessgumbo]

I just don't understand how someone is making 200k a year and have NO savings and struggling to pay off 3200.

[@janelleg597]

Chaos

[@Golf2foto]

Absolutely absurd

[@cjhoward409]

My husband’s sister and her husband are like that. They make excellent money but they spend it on eating out and they both smoke and drink. Nothing to show for it but bad health !

[@disco4535]

How much someone makes is irrelevant. Every budget can be out spent. There are many people across the globe that would say "how are some Americans making $25k a year and cry about being 'poor'??" All about discipline and perspective

[@hotman718]

Retardation

[@ladysparkle6784]

Just listening to this guy stresses me out and I’m debt free.

[@errolrice9405]

Lol😂

[@Buggu3]

Never trust a person who has money and always stressing how broke they r😂

[@fabian7463]

Do you know my Aunt?

[@zhenya2055]

We need a "safe" stroller for $2k We need to remodel the baby room in the right color tones We need a safer car We need brand clothes for the baby Etc. Etc. Etc. Thats where the 200k is going. Useless wants.

[@RCGuitar982]

how me, a ramsey-aligned person, who has to address the same things with a baby on the way: 1) most strollers at $500 are amazing, anything higher we register for. 2) remodel? we paint with basic colors we keep on hand, and add stencils or family pictures to keep the room looking great. 3) almost all cars on the road are safe, and no "safe" car is gonna protect your from horrible drivers hitting you or vice-versa. 4) great baby clothes at target or tj maxx, $3-4 each. Raise your kid and stop doing things for appearances. I can assure this guy, other parents do not give a fly f*ck

[@aorg9793]

I know acquaintances who legit think people who lived through the latter 20th century without all the new fancy gimmicks added to stuff were dying left-right-and-center. "My child NEEDS a cell phone", yet children have only had access to cell phones in the last 20 years.

[@MrTmenzo]

Wife wants a new SUV probably 😂

[@Golf2foto]

@@RCGuitar982we have a $900 stroller currently which we bought used for $350 and will sell for $300. We always buy high quality, expensive items used and sell them for (almost) the same.

[@cjhoward409]

I have a friend who begged her hubby for a new Cadillac Escalade! He bought her one. Then we got an old president and the gas went sky high and she couldn’t afford to drive it anymore so they went out and financed a small economical car. Crazy.

[@janelleg597]

Can't understand these 200k people stressing about 3200. Good grief

[@pklemm1]

It all depends where you live. 200k for a family of 4 is not much in Boston.

[@pklemm1]

Look it up. Recent study. “Boston is one of only six cities where families need to make over $300,000 to comfortably raise kids”.

[@ScottsGuitar]

Probly new income, hasn’t earned it that long. In sales income isn’t guaranteed so he’s probly scared looking at the economy and wants to hold onto cash (although misplaced in this situation). You have to have ridden the rollercoaster to understand. Sounds like guy has some previous scars and has some irrational ptsd about it.

[@lolwtnick4362]

@pklemm1 he has a $12k bonus check!!! fuck. stop. get some help. most of the country doesn't get bonuses or even raises.

[@kamdenbrothers8089]

​@@pklemm1probably because they have a pile of debt.

[@DadinWA]

$200k and no clue where his money goes. hope he turns it around..

[@314jph]

The unspoken thing - the spouses are not on the same page. There was something else that was not shared. You can never make enough if someone spends it faster.

[@cammgt3rs370]

I have a friend like this. But his wife surely knows where his money goes.

[@LV-1969]

Everyone should take an economic class. It's amazing how little common sense people have

[@chadlee76]

They wouldn't listen or care at the highschool level. 1 out of 20 might listen. But I agree it should be taught.

[@LV-1969]

@@chadlee76 that's a good point. Most kids today wouldn't get anything out of it until they got out on their own and started paying bills. I taught my daughter how to save money when she got her first job at 15. I bought her first car but she had to pay for everything - gas, insurance, repairs, etc. She never went to college so I made sure to teach her the basics.

[@myfindependencejourney]

Even if you include a mandatory economic class, most people will just study enough to pass the class and will never apply anything in real life.

[@LV-1969]

@@myfindependencejourney true. We as a nation are full of people that live for pressing the easy button on everything

[@TheSoulCrisis]

@@LV-1969 That's a great balancing act to gift her a vehicle but make her accountable for maintenance and ownership!

[@earthring]

Dave is sooooo right on this. If we don’t FEEL like what’s going to happen tomorrow , we will get stressed.

[@TheDjcarter1966]

How are people that make this much money so disorganized and undisciplined???

[@benhollingsworth4378]

The same way people that dont make a lot of money are disorganized and undisciplined.

[@ScottsGuitar]

Tons of ppl are Great at generating income. Tons of very intelligent ppl are lopsided in capacities. Being able to generate income with a skill has no correlation to financial discipline at all. In fact I probably know more mid 6 figure workers that are worse with their money than ppl forced to work within very rigid constraints

[@Ourlittlehomesteadlife]

My thoughts exactly. It's wild.

[@leabeauty837]

@@benhollingsworth4378what the OP is saying is when you’re in the top 10% of earners vs the bottom; you expect them to be in industries that requires discipline and good organisational skills (at the bare minimum). We don’t really have those sort of high expectations from the bottom though (generally speaking).

[@David-si8vq]

It’s emotional unintelligence. He creates panic for simple problems and expects everyone else to figure out the solutions.

[@Bullets4Bucks]

Bro doesn't even know what real problems are

[@FranksClassic42]

He is the problem

[@claytonmarkin7863]

Funny seeing you here, didn’t figure the guy who recommends 3 different rifle a week is also financially responsible 😂

[@catchingupproductions]

Ain’t no such thing as real problems. If it’s real to him it’s a real problem

[@Bullets4Bucks]

@@claytonmarkin7863 I didn't use to be but I kinda am now lol... I grew up on Dave but had 10 surgeries and 5 diagnosed health conditions before 35 so I know what struggle is and debt. No I never got a penny from anyone but I built several businesses in the last 3-4 years and got out of medical debt so I go nuts on spoiled ppl lol. I used to go in debt just to buy a rifle to do content on only to be put down. Bullets4Bucks is still a hobby and not making real profit or even paying what my time is worth but it lead to other doors opening. There is a lot ppl don't know about me good and bad.... I feel bad for people with low income working hard that have crap medical luck like i did. However, people who have little real emergencies and or make good money piss me off when they cry. Also people who live off the government or litigation piss me off that can work just fine. 14 years ago I was making $7.25 an hour with no benefits working some of the worst jobs in the United States living in Flint Michigan so most peoples excuses don't work on me. Lived in 800 sq/ft rentals until 2 years ago. Worked in Law Enforcement. No I am not a millionaire but just work about 80 hrs a week. I am out of all debt but my house though which I never thought would happen and investing.

[@Bullets4Bucks]

@@catchingupproductions lol go fly your unicorn over the rainbow

[@robertdutka3409]

Dave you are aweaome.

[@timcurry9842]

It's crazy how so many people lack common sense when it comes to money. Even people that are smart, they can figure everything else out except how to handle money

[@jimmymcgill6778]

200k, but have no savings?

[@Tehui1974]

It makes no sense. There are people earning $50k who have more financial smarts than this guy.

[@jimf937]

In 1992 i was a simple 28 year old with a decent job and basic insurance. Had my lovely baby at Sutter Memorial, in Sacramento. Top shelf experience. Insurance paid it all. I had a $5 COPAY Edit: just a little example of what America was like just 3 decades ago. Thanks owebama

[@aolvaar8792]

Today, my Co-Pay Plan cost $2300/mo. My $930,000 Hospital bill cost $300 copay.

[@DDDD-of3hv]

heck i remember when you acutally got credited for taking certain medical plans.... that was late 80s... having insurance now doesn't mean squat, and you'll be finding as time goes on more and more is not covered or premiums and copays/etc will just keep going up someones gotta pay for freebies.....

[@alexpietsch7997]

My mom had a $500 co pay for me in 1996. My wife went through the same procedure to the coding that my mom went through in 2022 and it cost over $4200. My 2 month old was free because Medicaid ftw.

[@bigbean78]

The ACA has been anything but affordable.

[@pameladawkins2887]

Don't blame this greed on ACA or Obama. Blame it on the greed of the American Health Care insurance industry.

[@Bullets4Bucks]

Our baby cost like 20k 😅 this guy

[@c_mac8633]

Same! Right????

[@williamedward3198]

Mom’s deductible, then babies deductible! Those damn hospitals.

[@Mavryck_Tha_Myghty]

I hope the caller reads the comment section.

[@annaelisavettavonnedozza9607]

He’ll ignore it “the whole comment section is against me”

[@pls5201]

I hope the caller takes the advice. He sounds like he feels trapped but folks with high incomes need budgets too.

[@carnivoreRon]

He's not going to do what they advised.

[@HelosWorldRailroadReseller]

That’s why they ended the call quickly

[@annaelisavettavonnedozza9607]

Absolutely not 😂

[@tonytoni1150]

Let ‘em figure it out on their own.

[@WestTexMMA]

I'm 26 from Abilene, TX. I make 52k a year. Me and the mother of my kids co-parent. I cover all medical expenses. I caught up all on my debt. I have 3k in checking. 7k in savings. And 10k in a rollover IRA in mutual funds. Thank you Dave! ❤

[@willduong387]

We need more Dave talking, he gets to the point fast

[@dannyh9010]

I like the other host fine, but no one cuts to the heart of the problem like Dave.

[@simlife445]

@@dannyh9010 fu x 1000 for GRADe school mth is a illionare the reson you do anthing,,,

[@wf4983]

It's amazing. You seem to read my mind lately - the topic today confirms and validates what I try to explain to my 'business' partner today. Now, I can simply send this video.

[@Beginningtopeak]

200,000 a year and 4500 bucks has him talking like he’s buried alive

[@dr_pinna543]

I wanted him to tell John that he can't breathe.

[@MrTmenzo]

Adhd probably

[@lionheart93]

times r hard lol

[@alexpietsch7997]

My wife and i paid off 8k in April 2021. We make a fifth of what the caller makes with a significant amount of it coming between March and May. This guy's got a lot of holes in his boat

[@JG-ic8is]

There’s something else going on, otherwise this was a really weird call.

[@middleagedcrazy5297]

My opinion too. His bonus or commission check whatever it actually is, covers every debt he just stated. He wants to buy something big and pay cash for it. The check is already burning a hole in his pocket.

[@alisons9740]

Probably young and exaggerated his income. Living on commission can be very stressful, lots of ups and downs. He needs a budget and an emergency fund to get baseline and manage.

[@EHull-c8q]

Not necessarily. Some people are just anxious. My best friend and her hubby work for themselves. Taxable income of 200K+, 1.2M in portfolio, more than $100k in savings. They are constantly worried they don't have enough for the future and will never be able to retire. It's a mental issue.

[@jeffwombold9167]

If being completely mathematically incompetent can make 200K a year, I can use a calculator even...no wonder I'm broke !!..

[@titolovely8237]

hes probably in sales.

[@evosmith12]

This guy lives above his means like most people. He just happens to make a lot. It’s that simple.

[@chickmcgee1000]

How can someone be bright enough to earn good income be so clueless?

[@GG-zn5hx]

You don't have to be necessarily bright to make that much in sales.😂

[@LyricalTampon]

Income has nothing to do with intelligence.

[@MaynardGKrebs-tt1dd]

He sounds like a product of our modern educational system.

[@d.j.daugherty4945]

Mind blowing hearing some peoples logic.

[@MrLavajet]

Try listening to my coworker who's voting for Kamala 🤦

[@monaminchau4798]

Today we headed out to buy supplies to build a (pretty ugly and kludgy) cat door. Then we came across a really nice ready-to-install cat door at twice the price as our DIY project. We discussed which budget item this would fall under, decided which other project we could downsize to stay within that budget, and bought the nice door. It installed in 15 minutes, and we will never regret spending more, because we knew how to reallocate the money in that budget item. No stress, no hand-wringing, no regrets. Budgeting does indeed set you free.

[@rods6741]

Had almost 9 months to get the wife's insurance lined up but didn't get it done

[@JoeyNYSDnomad]

No health insurance but great incomes,,,that is the first purchase when you start a family bro.

[@georgelien]

Yes ! Well said, Dave 😂 Have yourself a plan !

[@ryanj357]

How can someone make so much money and have no clue about finances?

[@ganymedehedgehog371]

The ability to make money doesn’t make you intelligent especially if it’s a sales job.

[@tonytoni1150]

Lifestyle inflation is very real. The more they make, the more they spend. They have a consumer’s mindset.

[@joelpineda4414]

Maybe because that person has no money at all!!!! And that person thinks that money is not out there and there’s nothing that person can do about it?!!!!! And people don’t care about finances at all!!

[@LV-FOURTWENTYSIX]

What the hell does he spend his money on? I honestly dont know how a household that can make 200k per year can be so stupid.

[@Mr.Boring_Man]

This guy makes ZERO sense. The money is already spent before he HOPES to make $200K a year with both incomes. Living above your means makes even upper income households feel broke.

[@Bestfriend-650]

Medical expenses of a second child are not a surprise. One has literally 9 months to save which we did in our case. We had 5 k deductible and we knew we will end up paying that so we saved it before hand to avoid debt. Dave is right, they need to have a look at how they are spending money because it is out of control.

[@XennialGuy]

This is why nobody can ever impress me by how much they make. It makes no difference if you make 50k a year or 500K a year and are living paycheck to paycheck. A layoff or an unexpected huge expense will wipe out either person pretty much the same.

[@random-nz7dy]

4:38 "I'm aghast" 😂😂😂

[@champagne4bfast]

I was married to someone like this. No matter what, he'll find a reason to be stressed about money. We had no debt and hundreds of thousands of dollars and he'd be trying to convince me to let him get rid of the above ground pool that the kids loved because of the water bill. Then...make a 20k deposit on next year's snow mobile

[@Bullets4Bucks]

Even with insurance you would be suprised we had bad insurance we paid like 30k in one year in medical... deductible isn't all you pay... however yes this guy makes crazy money and is an idiot

[@aolvaar8792]

80/20 for in-network, $3K max out of pocket 60/40 for out of network, NO max out of pocket. In-network $100K>> reduced to $50K>> $10K. $3k max out of pocket. Out of network $100K>> NO reduction>>no out of pocket max>>$40K owed. Wife got sick, in network, 140 miles away

[@Bullets4Bucks]

@@aolvaar8792 yes and most insurance has a 10k to 20k max out of pocket not 3k anymore

[@Bullets4Bucks]

My deductible alone is 2600 I think and our family deductible is like 4 times that lol ... ppl don't get what it's like these days with medical if you are unfortunate or get hurt.

[@aolvaar8792]

@@Bullets4Bucks When I worked, I took a cut in pay, $130K>>$65K for a 40% pension at 20 yrs and Free lifetime family healthcare. I look at my co-workers, who choose $65 more per year and No retirement Healthcare. The company now pays a $2300/mo premium in my retirement. I pay $200/mo, Now $250/yr deductible/out of pocket max. I got a $930,000 hospital bill>> $250 out of pocket.

[@schuylergeery-zink1923]

We’re paying off $10,000 in debt and made $80,000 gross in the last year. There’s no excuse to make 200k and can’t pay off a few thousand 😭

[@tones_2466]

I love these calls, he didn't even know what his take home pay is.😊 double 6 figure salary and no savings..wild!

[@umgazel4785]

If I made $200,000 annually, I'd be saving $160,000 of it annually. What a fabulous income.

[@dos14dos14]

LOL - no you wouldn’t - there’s this thing called taxes.

[@trfrierson]

Trust me you have to do the poor man's tax shelter. Taxes will eat that up. I got a raise and make six figures I put a large amount in 401k to avoid giving it away in taxes

[@kj1443]

$1500 for a car service 😮 Throwing money into chaos!

[@JustinCase780]

Yes, a nice new BMW is $1,500 to service.

[@jasonleatherwood2172]

1500$ may be the dealer price but take to a more qualified independent shop like me be half that remember most dealers only got one certified employee and 5 flunkies

[@Mwap439]

New BMWs come with free maintenance so idk lol

[@JustinCase780]

@@Mwap439 Said a car salesman. The first few years of minimal coverage is just a hook to get you on board.

[@SRD1281]

No it's not.

[@MrJimmy3459]

​@@Mwap439yea, just oil changes nothing else

[@LearningFast]

3:14 Dave says the guys $200K salary should have a $15K a month take home pay and $18K a month total without taxes. Correct me if my math is wrong but isn't $200K divided by 12 months = $16,666 and not $18K? Am I missing something with how Dave is calculating that?

[@trfrierson]

He misspoke but the take home pay should be 5000 or more per check semimonthly thats assuming there are things being taken out of their check. 3200 shouldn't make you stress out

[@marcuswashington461]

Love when people say they are doing the baby steps ...then tell their story and it ain't the baby steps!!

[@katieandkevinsears7724]

A couple years to go from $20k down to $5k on the credit card on that income? I make significantly less and knocked out a full $20k car loan in under a year.

[@taylamayde]

they are baby steps alright lol

[@nocciolina]

$200k joint income with 2 kids in Boston is actually not much. Boston has some of the highest childcare cost in the country and the cost of living is incredibly high. Although agree that a $3200 deductible isn't that bad especially since you have a 9mo runway to save for that.

[@starrystarrynight6281]

Dave is absolutely right! If I had all the interest money that I paid on house, car, and especially charge cards…we would have an extra million in savings. Just do it and don’t do what we did.

[@Sable1837]

“No month left at the end of the money.” I felt that, Dave. lol.

[@CarlaQuattlebaum]

Are you sure you heard him right? I heard "too much month left at the end of the money". He's says that occasionally.

[@curiouscat3384]

What's the market got to do with it? ????????????????????????????????????????

[@ernestperryjr]

"this is the reason why people have too much month left at the end of the money" oh snap that was a bar 🔥

[@sixthangel9716]

3200-8000 bucks is nomal out of pocket labor delivery.

[@xuanpgrey]

*Thanks for continuing updates 👍🏻 I'd rather trade the stock market as it's more profitable 🙌🏻🙌🏻🙌🏻🙌🏻🙌🏻was owning a loan of $47,000 to the bank for my son's brain surgery (Oscar), Now I'm no longer in debt after lI invested $8,000 and got my payout of $120,500 every months,God bless Angela Christine Derle* 🇺🇸🇺🇸🇺🇸..

[@Frankdonald5]

Same, I operate a wide- range of Investments with help from My Financial Adviser. My advice is to get a professional who will help you, plan and enhance your management skills. For the record, working with Angela Christine Derle, has been an amazing experience.

[@jeenagreat3993]

Hello how do you make such monthly?? I'm a born Christian and sometimes I feel so down 🤦‍♀️of myself because of low finance but I still believe in God

[@Frankdonald5]

She's always active on Whats~App... 🎉

[@Frankdonald5]

Her number down below ✨

[@Frankdonald5]

+154

[@jgjg3848]

How do they have any debt at all when they earn $200,000 a year? They spent over a year paying $1,000 a month toward credit card debt and nothing toward medical debt? They make almost $17,000 a month and he hasn't paid off either of these debts? He either doesn't make $200k or he lacks common sense.

[@ElectricBlueIX]

Yeah this isn’t making sense to me. He said they are on BS2, which means they should be down to a very strict budget and paying off debt. He then says they were putting $1000/month into the credit card debt and that’s good, but with no other debt it should be way more. They must be bringing home north of $10k/month, which should leave them with several thousand leftover to pay off debt. They aren’t serious enough about the program.

[@yanwain9454]

reminds me of the spider i rescued yesterday. he wouldn't come out of the shoebox.

[@TheLifeOfaBichon]

My wife and I make $87k gross a year. I save on a perfect month $1,125. My written budget is so air tight. The 4th week of every month I save 100% of that entire paycheck. I sacrifice a lot to save money to attack our debt. I have no credit card debt. Problem with this caller is, he has no money to fall back on to pay off his debts. He feels the people he owes to. Are coming after him. Stressing him out. It's really all in his head. You have to change the way you view money. That starts with looking in the mirror with telling yourself to control your behavior. I would love to make $200k a year like this guy makes. Im finding many of these high income callers. Just know how to do their occupation well. And have no clue what to do with their money. A lot of us are the opposite.

[@raquelocasio8588]

If they don't have an emergency fund, they're not on Baby Step #2...

[@roadrunner9622]

This is the stupidest caller I've heard on this show. And somehow he makes $200K/yr. He's either house-poor, or just called to hear himself talk.

[@jasonjosephlee]

Best thing we can do is live well below our means and save as much money as we can. I was able to buy a little over 100 rental units by saving most of my money and using it for the down payments.

[@thejakelegion]

Bro, we make the same money, I'm 32 and we have 120k in the bank. You're not doing the money stuff right.

[@Fred1294]

This guy has 200k income and has no emergency savings, What is he hanging out at the strip club. Why are people so bad with money 😂

[@mikespain8655]

Poor planning, and no control equals chaos.

[@zachwv189]

Wow, these guys wouldnt survive if they made the average income in the US.

[@aolvaar8792]

Look up HINC-04 U.S. Census Married with children under 18, all races Median income, $123K Asians >> $193K

[@Chet_24]

$200k gross is $100k in the People's Republic of NY after tax.

[@jacobmonti453]

Still, making 6 figures 3k shouldn’t be a problem lmao

[@LyricalTampon]

No, it's not. It's 150k. You know you can just Google this stuff, right?

[@RasimH1982]

John is gonna ask are you scared to Pay off Debt..

[@Run4Ever77]

John: "Are you safe???"

[@RasimH1982]

@@Run4Ever77 😂 Classic

[@triciamool8157]

Can I just say we don't hear enough about the new parent overwhelm, lack of sleep - that's the chaos first and foremost, know that, then move forward with that knowledge with your budget. Peace will come from feeling into the new parent saddle, breaking it in everyday. Seriously, when you don't get enough sleep, everything can get really whacky in reactivity. When you know that, you'll have a little more compassion for your state, you'll find some humor, you'll know it will pass. We were able to move forward with step 2 in that time of life, with recognition of this.

[@raymondmorentin9556]

Can anybody give me advice… I bought a 1980 corvette back in 2017 for $9000 people have offered me $5000 cash.. the only debt I have is my Jeep which I owe $15,000 on it… i have $10,000 saved if I sell the corvette that’ll give me enough to pay it off… only thing holding me back, is because I bought it for “$9,000” and I’ll be losing “$4,000” on it but I’ll be debt free… what would Dave Tell me to do.??

[@loganstoll2947]

Sell it. You already lost the 4k regardless. Go debt free, save 1k, then save 3-6 months of expenses. Finally then work towards that corvette in the future paying cash along side investing.

[@lolwtnick4362]

do you love the vette? or do you just love how much you saved or lost on it? money wins and losses come and go every day. if you love the vette, keep it. if you dont, cut your loss. use most or all of your savings to pay down your jeep. keep back maybe 1k or 2k for emergencies. then set up a plan to pay off your debts and you'll know the end date. then get creative and smash it down. or in a few months if it still burdens you pay it all off. you'll definitely see savings with no debt dragging you backwards.

[@austinwheeler3665]

First reply about eating the loss on the Vette is spot-on. In business it’s called sunk-cost: it’s money that’s gone no matter what decision you make, so it shouldn’t influence the decision at all. That said, if you love the Vette, it’s not worth letting it go over five grand. $15,000 is chump-change compared to what a lot of Ramsey callers are facing. Cut back your spending dramatically until the end of the year and pay the Jeep off as a Christmas gift to yourself. Since you asked what Dave would say, I’ll add that he’d probably chew you out and make you swear never to finance a car again 😊

[@Bob-yh7ir]

Just goes to show you, lots of income does not mean you have your crap together.

[@aristac9257]

He’s also probably not sleeping!😂

[@victorofrias]

And then you open a credit card because you have no debt. Lol

[@BraiytryeneGibbons]

This guy doesn’t even realize how lucky he is when some of us don’t even make a 1/3 of his income …. Smh

[@fabbz94]

He doesnt even know what he soends his money on. He doesnt even have a mortgage. Must be soending so much on rent.

[@mikeshaw4610]

With what you are making after paying off all debt you can then build up an emergency fund very quick.

[@PenusDrippings]

Did he really say this is the reason too many people have too much month at the end of the money.

[@JMann2307]

Based on the title, I “liked” this video before watching it… Nailed it!! Plan for wealth!! Amen and I’m IN!!!

[@attentive11]

I always told my kids to not assume people with money are smart.

[@HatedJared]

Does Dave think insurance covers all birthing costs? We had to pay $10,000 out of pocket even with insurance.

[@TylerAndToast]

Wow. We make about 60k as a household and have more medical bills that that. "Piling up" thats laughable

[@martinmi5]

Case of too much money and not enough brains

[@cutehumor]

Dave should have gave him a free Financial peace book bc he has none

[@tonyahenry4167]

He make 10k a month wtf …where is the money going

[@BREEZYM6015]

I make $60K a year and live with less stress than they do. 😂

[@TonyStark-wr7ob]

No management skills at all and he makes 200k. Smfh. 🤦🏼‍♂️

[@thomasfranco5997]

I have a neighbor who I asked if I should get a financial advisor. I have a 401-K and retired in 2021. I have had it for 24 years now. He told me he just got rid of his because even when he was losing money, his advisor was making money. He just told me don't do it. I have been doing it on my own all this time and I am happy with how much it has grown especially lately.

[@DrKrysRacquel]

For anyone confused the home she sold was not 1.6 million. It was valued at way less and she managed to sell it for way more. Also if you don’t do well financially it is probably difficult to fathom someone paying 60k a year when you yourself have never made that. This is not a man who would be paying $50 a week in child support. He would probably be paying $2000 a week or more in child support based on his income. For her to be awarded 60k yearly that means he A. Makes a great income and B. She did not work and was a stay at home mom for the benefit of the family and children and therefore has no career, would be living in poverty and has no way to make a decent living due to giving up all of her good work years. Not to factor in I don’t know who caused the divorce but if a man cheats or is physically abusive and the woman divorced him or if a man chooses to divorce a lady for whatever reason and she now has no career, what should she do? The courts are working in her favor for a reason. Clearly whatever the situation was, it makes sense to the court that she should be able to live comfortably. She is even still choosing to work what she can (babysitting) to earn. Imagine if she was just a babysitter now. How long could she even do that at her age? She probably has no retirement, no 401k. She would be loving terribly when elderly with no job etc

[@brianprobert3090]

First, $200K total household income is NOT a lot in Taxachusetts, esp. if you own a home near Boston. Second, does no one understand how health insurance works? They have to pay 100% of the bills up to $3200. Then insurance steps in and pays probably 80% up until they incur $6800 out-of-pocket for the year. So their total debt is going to be $11,800. $6800 is not insurmountable but is a sizable chunk if you don't plan for it. With a nearly 9 month warning period, you might think they'd prepare a little better but........

[@Nicolllld]

$3,200? Jeez I wipe my ass with $3,200, wtf you make $200,000 a year!!! “YOURE BROKE!!!!!!” -Dave Ramsey

[@JasRog1026]

I dont want to pay my 3200 debt with my 20k monthly paycheck because of the market😂😂😂😂😂😂😂😂😂😂

[@jmorris023]

1:00 Ramsey stumbling blindly onto one of the biggest problems Americans face and he's completely oblivious to it.

[@OlgaSunny-pl2sg]

Canada has the best healthcare system designed healthcare for all so no one goes without it so does Europe. Just a recent case mother last her son it was a brain aneurism took the kid had surgery and died at the operation table. He had no medical as parents are making above poverty line. Mom works as a caregiver They both make above minimum wage but son did not qualify for medical. Mom’s work doesn’t offer medical dad’s work insurance charges $500 per family individual which was big portion of his paycheck. Not only they lost their son but now the bill came for $230 k for few days of hospital stay.

[@Aaron-ec8uc]

canada puts people down like dogs

[@jgjg3848]

Yeah, it's so great that Canadians flee to America to get medical treatment in a timely manner.

[@christianchetwood2581]

If you pay private, you get seen to quicker. But I can tell you as somebody living in the UK, we don't need insurance and we don't pay extortionate amounts for health care. And in fact, you may just find that our national health service performs better than hospitals in the US. You have to pay just to hold your baby in some hospitals in the US! Are you crazy?!

[@OlgaSunny-pl2sg]

Are you telling US healthcare system if they are crazy? They are smart they know how to make money off of general population who by life’s tragedy end up in their trap. I spoke with a nurse who last her life savings after she was diagnosed with a terrible disease. She last her house and now is starting from button up. Thanks to the system. Is that crazy or what?

[@OlgaSunny-pl2sg]

Of course they do they run away from US and openly discuss how terrible is it in US.

[@kathygarnett5115]

I don’t get it, I’m on Disability, husband has his retirement, we both have side jobs we each work maybe 20 hours a week. We have a mortgage and a car payment, we always have money put away and maybe $5,000 in debt. We’re making it just fine and technically I think we’re in poverty level. So I just don’t get these people who make so much but have no money

[@privacyplease1556]

Dave Ramsey thinks people making $200k per year only pay $20k in taxes. What a clown. $200k is more like $11k per month.

[@FreeAgent797]

How do you make 200k a year and have absolutely no savings?? And struggling to pay off 3k in credits cards??....He is clearly not telling the whole story here. Something is off.

[@titolovely8237]

lol makes more than 90% of households and still stressing about 8 grand. LOL dude you're part of the elite. you made it. you won. stop stressing.

[@amylin5062]

We have just under 4k in debt. We don’t make anywhere close to 200k a year. This guy’s stress level doesn’t make sense.

[@TheSoulCrisis]

I would like to say classic example of "a fool and his money are soon departed," instead it's "a fool hanging onto debt who makes 200K annually lol."

[@ujayet]

L😂L This guy owe peanuts and can pay it off in a blink of an lol I owe $5000 barely making 40k a year.. and I’m ok lol