I Make $650,000 A Year And Scared About Combining Finances

[@TheRamseyShow]

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[@nelsondiaz9867]

And what would the pre nap say?

[@zacnbend]

Question for you. Every time a girl calls in and says that her boyfriend wants a prenup you say that is bs and he shouldn't do that. I have listened to you for a bit now and why the double standard? I agree with so much you have to say but I can not see the point of giving her a pass and every guy is a bum who wants a prenup.

[@YahLion77]

@@zacnbend facts!

[@janemedrano1]

​@@zacnbend 0

[@willgazlay5711]

Even as a physician, $650K/year is insane. She doesn’t sound very old, so she has to be a specialist that has excelled at every milestone. Incredibly impressive.

[@kuro3864]

I googled it and neurosurgeon doctors make around that much it’s insane.

[@NomastiAfricanWarlord]

@@kuro3864 Makes sense that the person doing surgery on human brains are paid top dollar.

[@jmanrock11]

Don't forget she Canadian different currencies

[@HenryPaulThe3rd]

In Canda doctors are paid a lot less than in the US. She must be the top neurosurgeon in the country

[@المهديخاتلبالمجاري]

Or orthopedic surgeon.

[@MoD3RnHD]

Let's not forget the guy makes 150k/year. He's no bum in this situation either.

[@XFizzlepop-Berrytwist]

He could make 15-20k a year a still not be a bum. XD A lot of jobs just pay horribly, min wage is 15k working full time.

[@memphistiger4647]

@@XFizzlepop-Berrytwist yeah I only make about 70.. Guess that makes me a dirt bag as well..

[@XFizzlepop-Berrytwist]

MemphisTiger I know what the OP meant, that the guy was simply a high earner, and would need to mooch off the woman to survive.

[@memphistiger4647]

@Diem Golightly 😆me either.

[@sheila3936]

Unless he also spends 150k/year. Earnings can’t be the only factor for judging a partners dependability.

[@GARNET-DAGGER-FF9]

How often does 1 person make 150k a year and that's nothing compared to what their significant other makes!?!

[@benreilly595]

Every episode of House Hunters.

[@armandol1826]

こんにちは 150 is the minimum in the 949

[@russellstoffel207]

Rarely

[@ryanweston9677]

Less than 1/2 of 1% lol

[@tomm8025]

Your point?

[@nataliejenkins7640]

Dr. John Deloney just sat up in his chair looking like he was rethinking his life when she said she made 650😂

[@exjehooberdubexpiobeezleeb6269]

Hahaha.. I noticed that too 😂😂😂

[@kimoramicheal8353]

Unfortunately, I do have to take out a loan. It states it will be a loan origination fee of 1.059% to be included. Is this a good deal or not? 😭🤷🏽‍♀️

[@jayrider2726]

She makes 650k a year and needs to call Dave? LoL

[@katherineh.6852]

I mean....she did go to college lol

[@rodwazwaz3637]

@@jayrider2726 a fool thinks they know everything and a wise person knows they know nothing. Theres something to be learned from most people

[@BernadetteTeachesMusic]

I SO appreciate that they honored her past experiences and actually recommended a prenup for her situation. That was great.

[@dolobrolic6066]

So her money is her money and his money is her money?.........🤔 😉😂

[@BernadetteTeachesMusic]

@@dolobrolic6066 I think Dave Ramsey always advocates for joining incomes (I do too), but this woman did experience some trauma in her past relationship. If the story repeats itself, she will have some peace of mind.

[@dolobrolic6066]

Bernadette Teaches Music 🤔…………yeah yeah…………just sounds a little one sided. I think she is full of bologna. But I don’t have to deal with it……… Hopefully she will give him an allowance ……………😂

[@samguy7209]

Why don't we just all sign prenups and consider marriage a business partnership for tax cuts lol 😂

[@dolobrolic6066]

Soy M it is business partnership …………but we want to believe the lie of love.

[@daron9229]

Caller: “I make 650k a year.” Dave: “Sell the house.”

[@Mariemoni4]

Lol 😂

[@thomasd5488]

Caller: "I make 650K a year, and my boyfriend/fiancé makes 150K a year." Dave: "OH, WOW. Get a prenup."

[@annabellavetra]

Ahhahaabba

[@mylespartington1321]

🤣🤣🤣

[@crowtservo]

“Deliver pizza on the weekends.”

[@mwv25]

Dave is being a realists. She makes a lot of money. And people are crazy and greedy.

[@COINsimp2024]

And lazy.

[@tomm8025]

Just nice to see Dave who usually is quoting the bible about what marriage is and lecturing people who have had similar concerns, suddenly does a flip flop,, throws out those morals and values simply because HE deemed this case different. Absolute demonstration that he does not believe his own BS! Evidence that his moral standing does have a price!

[@ASLunar]

@@tomm8025 Where in the Bible does it say it's immoral to get a prenup? There are a lot of sinful reasons to get one, but that doesn't mean prenups themselves are inherently sinful...

[@tomm8025]

@@ASLunar - You need to learn how to read! You also need to not make assumptions and leaps of logic. I am not the bible thumper lecturing people on what it says all the time. I also have no idea what money and religion have to do with each other. I got no problems with prenups. I don't even think marriage is necessary in our modern world. It's DR that is always lecturing and now flip flopping. He has quoted bible versus when telling others to be full-in on marriage and combine everything. He is the one with a price on his morals!

[@lavonnealexander6936]

Yes, I agree. You better be careful who are dating.

[@yamamancha]

Once divorced doctor. Chances of a 2nd divorce are quite high. Establish a trust for yourself, then spend several months talking with your boyfriend about money and finances, then each of you outline your top 5 rules for money along with your top 5 goals for life, then see if you are truly financially and philosophically compatible, then get a prenup.

[@anitaknight3915]

Very wise suggestions. It's crucial to be on the same page

[@I_like_turtles_67]

Funny. Because a woman asking for a prenub is hilarious. Women almost NEVER DATE DOWN.

[@Jujubean9795]

When you make 650 a year, you have little choice but to date down. Lol

[@texan903]

@@Jujubean9795 she could marry a fellow doctor. In that income bracket, you socialize with a different group of people.

[@BridgeStamford]

You've done it twice and still don't know how to do it 😂😂 don't do it again! Rules and goals change as you get older and your wife it husband to be changes that. Getting married isn't a college degree you can't study it to pass. You take a chance with someone after being with them long enough, if it's love. Don't get married too young or in a hurry

[@ChrisVincelli]

PROTECT yourself!!! Be cautious, always!

[@DerasCouture]

I love how Dave Ramsey actually knows how to share the space in providing advice. He doesn't cut off his guest consultants and really provides value in a team!!!! Wish many KZbinrs would do communication like this

[@oshkoshbegone]

he cuts off all his guests except his daughter lol

[@moniquedavis3583]

He cuts her off too, just not as much lol..difference is she cuts him off just as much and none of the other guest host would dare cut Dave off 😂😂😂

[@X9523-z3v]

He cuts off people ALL THE TIME!

[@Jonathan01233]

when she said she makes 650 Dave caught a heart attack.

[@TimeisUp22]

It annoys me when Dave acts like he’s NOT a millionaire 🙄

[@ryanweston9677]

Kerena Only he pretends to be shocked to pander to his audience. Most people buy it, but it’s definitely not a genuine response.

[@GARNET-DAGGER-FF9]

@@ryanweston9677 I always thought the "excitement" that he shows when someone yells they are debt free is fake.

[@ryanweston9677]

こんにちは yeah I’m sure he’s desensitized by it now. If I had his money, I would be quietly enjoying it somewhere. He’s turned into a KZbin version Dr Phil. Financial advisors and insurance agents that sign up for his partnership programs complain a lot about how little value it brings them.

[@marioa3318]

Kerena Only not everyone that have money need to show it off, if fact those that do usually have nothing more to offer.

[@waynemiller6070]

I was "with" a woman that made a lot more than I did. She was used to buying and doing what ever she wanted. She was a quality lady and brought a lot of quality to my life, but I simply wasn't able to "keep up" with her financially. I liked doing the things she liked to do like concerts and travelling, but I had been very disciplined with money, and I didn't travel or go to concerts that cost $150 a ticket. After she "treated" a couple of times it looked like the trend was going to continue but I was uncomfortable with the financial relationship being so one sided. We stayed friends though and when she got married I provided the music for their wedding and reception. Her husband is a much better fit for her than I was. BTW I was able to retire at 59 but I still don't spend $150 for concert tickets. LOL

[@ladyshrink22222]

wayne miller money is to enjoy also. You maybe saved so much you forget that? Spending $150 every once in awhile is fine. But I’m like you, I look for much smaller money amounts of entertainment, like taking our granddaughter to the movies, which by the time I buy tickets, popcorn and drinks, it’s $50. We go a couple times a year.

[@gamesofcontent]

I dated a girl about 5 years ago and I would go out with her family to the lake and I thought they were rich. They had boat (over $100k new), a trailer (nearly $100k new), 2 trucks ($120k for both), side by side ($30k), a house ($600,000), mom drove a BMW X5 ($70k), and a few other expensive toys. Once night I was sitting there drinking with the dad by the lake and he was telling me how he was stressed because of a financial situation and if it fell through he didn't think they could survive. I said yea well you are doing well for yourself, I am sure you could survive for a while until you figure it out. I said you could sell some stuff off and have plenty of money. Then he told me how it was all financed and that he owed more than any of it was worth. He said he only had a few hundred dollars left at the end of each month after he paid all their bills, food, etc. I couldn't believe it. He made around $200k a year and his wife didn't work. They were broke. I made around $100k at the time, and my only debt was student loans (that I could pay off because i am a natural saver, and i have since paid off) and now my house is my only debt. I don't know how they are doing now, but I hope he got it under control. I get stressed at the thought of debt, IDK how people do it.

[@bryant51w]

It’s just sad that what money will do if you have so much love for the money other than love for your marriage.

[@Ghanaba23]

@J Idowu really? What is the number one cause of divorce in America?

[@eclipseshadowyt5917]

i Bee Amazin what was the reason why you end up braking up w her or vice versa? But yeah it’s interesting how some ppl have all these things but they struggle even w 200k annually I’m struggling getting to my 40k

[@woodbrassandglass]

Such good advice. Don't make the new spouse suffer/carry your baggage for the wrongs of the former one.

[@misstbikini]

The good thing is the husband is making 150 instead of 50k so no stranger to money.

[@YPEFFLE]

150 Canadian

[@dete503]

@@YPEFFLE Her 650 is also Canadian. He makes $110k USD, she makes $480k USD

[@luisbarrios4430]

@@dete503 wow they’re poor

[@HHTP6]

@@luisbarrios4430 yeah so poor they cant afford food

[@HenryPaulThe3rd]

@@dete503 after Candaian taxes cut that down to about 40%. So about 44k and 192k

[@JesusEsDios007]

She makes 650k canadian. Thats about $470k usd which is in line with what top doctors make here in the us.

[@Tacit]

And?

[@codyt4691]

There are plenty of doctors here in the US who make way more than $470K

[@probablynot1368]

She would be earning closer to $480,000 USD and he would be earning $110,000 USD. The ratio in earning remains the same, whether is was made in Canada or the USA. If she was earning her money in Canada (and we convert it to USD) and he was earning his money in the USA, that’s $480k USD and $150k USD. No matter how you look at it, she earns considerably more money than he does. In her first marriage, she was denied access to the finances. She wants to share what she has worked so hard to build, yet needs to control and protect the assets she had before the relationship moves into marriage. There are men and women alike who search for their ‘payday’ in a partner. Dave is giving her the same advise he has given to men.

[@JesusEsDios007]

My point is I dont know why they look so surprised when she saysshe makes $650k. Probably because they thought it was USD. Which he did mention USD. They have interviewed doctors before making $500k so I dont know why they are so surprised.

[@vince8520]

I'm canadian and I was under the impression that canadian doctors were making less than US doctors, so she is killing it !

[@chitownracing]

The thing about the guy who wanted a prenup for his car is we don’t know what that car is worth or what that car means to him.

[@sheila3936]

If his car is his most expensive asset it suggests his financial priorities are out of whack or immature. And if he loves the memories attached to a car more than her then the marriage is doomed before it begins.

[@dheins57]

Exactly. I own my great grandma’s 1965 mustang. It’s only worth maybe 15-20k but if anything ever happened to it I’d be devastated. So his situation could be similar

[@GR-uc1gq]

@@sheila3936 a 1967 275 GTB cost 30 million. So its case by case basis. Definitely not worth it for a cheap car but I'd say yes for expensive and sentimental value cars

[@chartuck]

@@sheila3936 My luxury car is my most expensive asset. My net worth is in the 200's, I rent for flexibility, and live well below my means. Your car being your most expensive asset isn't "immature", you're just a dork.

[@nghinguyen875]

@Sheila , I agree with the other comments. Difficult to make blanket statements if we don’t know all the facts at hand. The car was a gift from his late wife that pass away due to cancer and therefore, the car holds a sentimental memory of her.

[@imeldaglenn828]

I appreciate her calling and getting advice no matter the income amount. “Plans fail for lack of counsel, but with many advisers they succeed.” ‭‭Proverbs‬ ‭15:22‬ ‭NIV‬‬ “The way of fools seems right to them, but the wise listen to advice.” ‭‭Proverbs‬ ‭12:15‬ ‭NIV‬‬

[@mannyjeanpierre4062]

wow they almost make a million/year together. Hopefully they can work together and live their best lives together. Stats on second marriages are worse than first marriages unfortunately. Rooting for them. Congrats on the high income Alice.

[@dec1slh]

I think it's CAD not USD, so it's ~ 600k.

[@DewTime]

dec1slh 475

[@dec1slh]

@@DewTime the 600k is combined income, since the comment was "they" make almost a million together

[@katemiller7874]

My second marriage is great. Don’t believe the stats. We were older when we met and knew what we wanted

[@americanmade36merica99]

What an awesome phone call, and the many great opinions & thoughts. The Dave Ramsey Show, never gets old or boring.

[@andreakumar2984]

@1:02 the moment Dr. John realizes he should have been the other kind of doctor. Also the moment I realize I should have used my bio degree for medicine rather than education 🤦🏾‍♀️

[@rudysalas9138]

Exactly, education has failed all of us. It is meant to educate to be a good employee.

[@MoltarKaio]

@@rudysalas9138 I don't understand this, she's a doctor. Which means she Spent 11+ years learning and educating herself to be fully licensed to be able to make 650k a year.

[@anitaknight3915]

@@MoltarKaio she's referring to others who went to school for many years also to be in helping professions that are very underpaid in comparison to doctors.

[@JasonSmith-ef8ci]

@@anitaknight3915 PhD in philosophy is a long time in school as well. Undergrad, graduate school and then PhD program. Newsflash it's not about "length" of schooling. It's about the rigorous of the degree. Medical school is much rigorous than a PhD in many other fields. An "associate" degree in nursing is more rigorous than many PhD lol. It's no coincidence the "tougher rigorous" degrees are the higher paying. Remember that.

[@colorfulcodes]

@@JasonSmith-ef8ci exactly. A neurology residency is 7 freaking years. After 10+ years of school. I could never.

[@grandpatzer]

I learned something today. I did not think that Dave recommended prenuptial agreements in any case whatsoever. Thanks for the video.

[@hungrybeaverontheleaver]

He does if it's a woman asking

[@Julie-ip3il]

Always get a prenup and check with a lawyer to make sure it will be upheld in court in something goes wrong. Ethical people are few and far between so always protect yourself!

[@mattsmillennialmoney39]

Trust is the most important thing in a relationship. Without that, you have nothing

[@vaderwashere365]

She already failed at marriage once. She is more likely to fail again. I agree, trust is the most important and hasn't been a problem with my marriage... some people are just bad at love... and it sounds like she is one of them.

[@Mostopinionatedmanofalltime]

If you can't trust someone, then you shouldn't get married. I disagree with Dave on this one.

[@Xtina-e9u]

Right, “IN” the marriage. Sometimes things go wrong besides finances. So when that happens you have to be protected.

[@Kesaze2006]

One can trust but be sensible at the same time

[@ocvegasproperty]

You may literally have nothing if you don’t at least get a prenup...

[@Audrey-fu7bi]

I’m amazed at how people think debt is okay. I’ve a cousin who learned from her parents that debt now means fun now. “Live life while you’re young.” She stays constantly in debt with her fancy car, four wheelers, dune buggy, camper, boat and big house. Rubbing my nose in the fact that she LOOKS wealthy lol I’m proud to say I’ve never had debt…in my 34 years of life I never ever acquired debt. I paid cash for older cars and rented house- until I got married. My husband and I still pay cash for older cars and we recently saved enough to pay cash for house. So we are good. Now extra money saved can go toward our future and maybe some fun toys like a dune buggy someday…as long as we can pay full and cash.

[@mr.pocket575]

See this is the flaw with so many people. Debt is not a bad thing. IT'S NOT. It can be your best friend if the perspective and usage of debt changes. In the situation you laid out with your friend I agree that it's a total waste of money. She's dumb and things like that will make you broke. If you use debt to buy things that put money in your pocket, then that debt becomes an asset. There are people out there with tens of millions of dollars of debt or more, and that debt is lining their wallets and net worth cash over fist.

[@SplashIt34]

Sounds fun. You can’t take it with you

Debt on houses are good because houses appreciate faster than the interest rate with a sufficiently high deposit.

[@stevesavanna]

You never know what peoples situation may be. I make 450 , my wife makes 130 (we’re in our early 30s). I support my brother (who has mental health problems ) and my parents (father with dementia) completely (all their expenses and home) and ourselves and now have a baby on the on the way. I’m not complaining , we’re comfortable but we don’t live like most would expect with our income. Not to mention about 45% goes to taxes. We’re fortunate to be able to help our family, but I always expected making this kind of money would be way different than it is.

[@anitaknight3915]

Very good point. There's so many assumptions and judgments in the comments but you never know anyone's situation. Also, some places have much higher taxes and cost of living which takes a lot affecting your take home pay.

[@454lin]

I don’t blame her. I would protect myself also

[@bbtank3000]

When a woman makes more money: "You need to protect your money from him." When a man makes more money: "You need to share with her."

[@channaw.3538]

Yep and that’s the biggest difference isn’t it? Many may side with the woman who wasn’t or never ever knew the hard work and what it took for him to get where he is at, but when the shoe is on the other foot most becomes her litigators 😁

[@DayDaysWorld316]

Straight up bro! 😤

[@dynamicwellness33]

The Ramsey double standard!

[@jaym9200]

That's because Dave is a Simp.

[@dynamicwellness33]

@@jaym9200 ramsey virtue signals. He can be real sometimes, just not all the time. The simp does come out...

[@tmusa2002]

Sharon Ramsey is one revered woman by her husband. She is so lucky to be loved that much by Dave.

[@mso008]

Get the prenup. Money has no feelings and neither should we with money.

[@David-wo9un]

I feel like if he was the one making $650k, the advice would be different.

[@perotal]

obviously. The simping on this channel is through the roof

[@AshiyaWhitley-ShawVeganAthlete]

Probably, 😂 but it shouldn’t be.🤷🏽‍♀️

[@ryanweston9677]

Dave would be telling them to combine immediately and no prenup.

[@probablynot1368]

perotal Why use this insulting, misogynistic term, aimed not at women, but at the men who value (or pursue) them? If the “simping on this channel” is disagreeable to you, then this may not be the place for you to get financial, ethical, or relationship advise.

[@tomm8025]

@Anne Day - So all his Bible thumping and moral standings have a price? Yep! Thanks!

[@mtbroca]

People don't realize how gross and net can look very very different in these types of professions.

[@msujonbd]

With income like that, even net would be quite a substantial amount.

[@a33m3a]

@@msujonbd it would not be more than 350k. At that point the difference isn’t THAT big between her and her partner

[@-Dynamite]

I feel like a limited prenupt is a good idea. Establishing the idea that in the case of divorce assets going into the marriage and future earnings are seperate. Income and assets they acquire together during the marriage are split evenly regardless of who's income played a higher role in getting those asssets. That way the marriage is treated as together, but if that worst-case scenario happens she'd be able to move on without damage to her income.

[@frankiesmom8478]

It’s very difficult to earn a high income as a woman. I’ve experienced a similar situation. My ex-fiancé made a ton of money and used that as a way to control me. He would come home with a car and not even discuss or text me about it. Fifteen year later I graduated from school and my husband (different guy) couldn’t handle the fact that I out earned him. I was very sensitive to say our paycheck. I never disagreed with anything he wanted because he would make terrible comments about his career never taking off. As a woman it is hard when you are walked all over because you don’t make money or other men resent you for making a high income also

[@perotal]

You just gotta find the right man

[@frankiesmom8478]

I did find the one! I got divorced after finding out the exhusband had cheated on me. I got remarried to the most amazing man. He told me on our first date that he likes a strong, confident woman. It’s so effortless and easy to be with someone who doesn’t resent you for making money or not making money.

[@mtbroca]

Truth

[@elmoomle4565]

@@frankiesmom8478 So gland that you're living out your life as a sugar mama!! Oh, yeah...he's definitely an 'amazing man' to you...beta males are like that.... I hope he stays that way with you...seriously because if he ever grows a pair, I'm sure he will no longer be so 'amazing'.

[@Midalias25]

@@elmoomle4565 you seem so upset for her being happy. I hope you find happiness as she did.

[@TheJonOrtiz]

Dave has been a hypocrite when it comes to prenup. He tells MALES to become one with their partners YET he tells this FEMALE to protect herself. (Now he does recommend prenups for athletes) but I just saw a video where a male with a large amount of money saved is marrying late in his 40s and Dave told him to become one with his wife. There’s definitely a bias going on. And he needs to stick to one or the other. I LOVE DAVE and I live his lifestyle but he would make me feel bad about the thought of a prenup until now

[@XFizzlepop-Berrytwist]

Yes, always get a prenup!!! Take every precaution when getting one as well!! Get a lawyer! Have her get her own lawyer as well! And have it signed in front of a judge! This gives you a much better leg to stand on in a divorce! A lot of Prenups get thrown out!

[@MarluART]

I agree with ya there

[@ErwinSchrodinger64]

Agreed. I knew what his answer would be. As soon as I heard the caller was female I knew exactly what Dave's response would be.

[@cherryblossom-f44]

You don't have to take EVERYTHING Dave says so LITERALLY! It's difficult with relationships, not every marriage or de facto relationship falls under the same category. Dave shares his opinions based on the information he's given by the caller. Dave says it himself all the time .... "It's my own opinion - you don't have to agree, you take what you want or leave it."

[@dks13827]

Dave blows it on the subject of prenups. Every time.

[@vero0992]

Never seen so many dudes crying in the comments about a perceived double-standard, holy smokes

[@DewTime]

What if it’s true?

[@brittanynorris2313]

Exactly, I found 2 other videos were Dave told men who made WAY more than their fiancées and he recommended pre-nups. But we’re talking about hundreds of thousands not a ten of thousands.

[@devonmatthews6443]

Money is money

[@marktheshark2569]

No, I get both sides. Dave pretty much always says for richer or poor, he almost never recommends a prenup besides in cases of extreme situations. But it’s always for the favor of the woman. Like if the man comes into the marriage with 200k net worth, and the woman comes in with 100k + in student loans and wants to be a stay at home mom and not work. That’s a 300k difference on top of her not working yet he still won’t tell the man to get a prenup. So Dave definitely has a double standard when it comes to men and women on this. But I’m logical and do agree that a prenup is correct here. The difference is too big and on top of that he has a very good income as well

[@verb0ze]

It's because it is. Even on this very channel, you'll see the advice go the other way when it's a guy worried about being burned financially.

[@marthaleneteage986]

If that was me, We can absolutely join the same amount. 150,000k each . That’s 300,000k a year; most people in America lives on that or less a year. My 500,000k will go in my savings for my kids.

[@susanedghill609]

Was thinking that....she could put in the exact number of dollars that her future hubby earns and invest the rest.....that way she is still contributing in a fair way and the balance would be put to good use....

[@ON34U]

Agree with you. This goes for situations where the male brings in the lion share of money. There is a thing called honoring a marriage and another thing called being stupid. Don't be stupid.

[@mysticquetzal87]

ok but this is Canada half of it will go in taxes

[@hellogbye.2047]

Perfect 👌🏽 I was thinking this

[@The115Project]

@@mysticquetzal87 lol

[@juliefinance1833]

Prenuptial agreement is highly recommended for this marriage. You never know how they will turn out. If you in the future, if you think you live him enough in the future, you can cancel prenub

[@DiamondScuff]

Prenupt pre much means you dont trust your partner with the finances. If you cant trust your partner with finaces its already over..... I did see someones comment where there incomes of 150k each are shared then her extra 500k can go to family/future kids which i dont think a partner would disagree.

[@ccmusic2249]

I think an important point is that one who makes less has to be 100% truthful with the one who makes more. If the one who makes less is a fantastic steward with money, there's much less to worry about. And a genuine partner will want to protect their loved one, which will be evident in their actions. Lots of options here, but certainly not a horrific situation. Only be wise in giving trust, but not unwilling to give trust.

[@hestiaa9354]

Dave is not being inconsistent. He’s always says if there is a substantial difference in income (which this is). If he were making $150K and was making $200K, he would be saying no to the prenup. Given her past history where her spouse was probably financially controlling, it makes perfect sense.

[@tomm8025]

So his moral values have a price!

[@hestiaa9354]

@@tomm8025 I don’t think so. He just knows human nature. She’s been a victim of financial abuse. That has to be acknowledged. And, even if the financial imbalance is not an issue for the two of them, there’s the issue of family members. When you marry, family is part of the package. If he is close to his family and one of his family members has a financial emergency, the temptation may be too great to want to bail them out-which means that wife gets involved. A pre-nup will possibly outline how those issues are to be addressed. Not acknowledging her past pain and addressing that in the current relationship is a recipe for disaster.

[@tomm8025]

@@hestiaa9354 - You need to pay more attention to Ramsey and his co-hosts. The habitually sides with women. Plenty of people have pointed this out on other videos. Plus my point was about how his morals have a price when he acts like marriage is this sacred thing and you're a team, but exceptions when higher money is involved. That IS, morals having a price.

[@9doggie12]

This is a female lol his rules don’t apply

[@Alexis-wu7gk]

So glad this was a woman calling in. I don't make as much as her but I feel like I make more than most. My story is similar to hers & this is a concern of mine as well. I'm very grateful for this video being posted.

[@jazzkatt7083]

Now she knows how a lot of men feel. Prenup all the way every day. Won't hurt to have. Will hurt to NOT have. 💯

[@nigelstanford4]

prenups don't mean anything these days...Judges will laugh while ripping them up

[@perotal]

@@nigelstanford4 Probably different if the one with the assets is a woman

[@davet9387]

@@nigelstanford4 That's what I'm hearing as well, at least here in Texas. Consequently, I'm never marrying again...

[@Hboogie182]

Prenup is a sign of distrust. If you're thinking about prenup then do yourself a favor and don't marry. If you don't trust your partner then what's the point of marrying?

[@FuturePsychNurse]

H Boogie I can trust my partner AND have a prenup!

[@deanalbertson7203]

If you want, just keep separate accounts. That way, you control your finances.

[@justteresiah]

I never thought I would hear the day Dave recommends a prenup

[@sunnydays4966]

He has before it not like telling them to put it all on creadit, but I have noticed Dave Ramsey, is more proctivative for women.

[@speakingtruths4215]

Hundred bucks says he quits his job less than 6 months after they marry and becomes a “house husband.” This woman’s issue is not about finances, it’s about trust.

[@lakishaweeks7618]

Exactly!!

[@xfhnhhgjbvcfg]

Well a woman would do that exact same thing, don't forget that

[@neisci]

And he'd be just about right. That's the perfect picture for one of the parents to to home.

[@bryanmoser358]

What's wrong with him being a house husband if he chooses to go that route? She makes more than enough money and they have the opportunity to still be in the top 2% of families in America with her income alone. A woman would do the exact same thing and no-one would bat an eye, so what's the issue?

[@misa5941]

Unlikely with a man making that income. If he was a bum, maybe.

[@bubbles1978]

If you already got married, got burned, why risk your sanity again?

[@shazz286]

Listen. Long term partners is just fine

[@peterszabo7572]

shazz286 unless the state recognizes it as marriage...

[@shazz286]

@@peterszabo7572 what about if we live in a duplex and I live one one side and they live in the other. We each have our own spaces but we're still together. I'm trying to find a solution😂

[@ryanweston9677]

shazz286 thats too close! Haha

[@Mississippian]

Because people like to grow instead of hiding in their fears...

[@LeesaLilHop]

This is about trust. Marriage counseling.

[@ihavetubes]

You can have a shared account that both of you use where you both put in some money for a goal of some sort like buying a new house car etc doing this will build trust for each other, and you can still have your own private account for personal use.

[@samanthasmiles9112]

This lady is a boss!

[@KennyakaTI]

Make him sign a prenup. Case closed.

[@ryanweston9677]

Exactly. I’m sure he would be fine with it. He makes a good living on his own.

[@dodgeplow]

@P B but it usually helps

[@steveshideler1333]

She's in Canada, prenups don't work here. 50/50 split of all marital assets is legislated.

[@المهديخاتلبالمجاري]

If you are marrying and have the least doubts about it. You should not get married.

[@hungrybeaverontheleaver]

Is she insecure? Doesn't she have trust issues? Don't you think the dude will be emotionally hurt by her distrust?

[@ChosenPlaysYT]

Need to be extremely careful about marriages where the woman makes more than than the man. The data / numbers are staggering about how often the woman ends up filing for divorce eventually.

[@edb484]

If I made this kind of money I’m not getting married lol. I went to HS with 2 friend that played in NFL. He did the “Derek Jeter” things. He didn’t get married until after he was done playing. Very smart

[@slayer5813]

Exactly!! Example: Why Tony Romo ever got married during his NFL prime is beyond me. Even after his playing days he's a rock star announcer on CBS.

[@bigcatdaddy7573]

I bet if he made $650,000 she’d be crying that he wants a prenuptial agreement.

[@TheBlackDorothyZbornak]

If combining finances scares you why get married? You are sleeping with someone, allowing them in your space, giving them control over your mental, physical and emotional health but FINANCES are a concern?

[@hishomie4466]

Before devoting yourself to someone it's smart to make sure you are both STD free, figure out if there are any kids involved from previous relationships, substance abuse, etc. With finances that is something you can definitely control that comes from you into a marriage. A prenup is insurance, why not have it? I can love a woman with all my heart, but I would never be stupid about it. Never again.

[@TheBlackDorothyZbornak]

R N a prenup isn’t insurance and if you think you need insurance for your marriage-don’t get married 😒

[@timothysmith7080]

I don't think the plane is going to crash, BUT I still listen to the preflight briefing. Also the way family Court works these days is not fair at all and people's lives are completely ruined because of the stupidity of how family court works sometimes. I don't see anything wrong with having the safety net of a prenump.

[@TheBlackDorothyZbornak]

Timothy Smith Honestly, I don’t care what you think about prenups. I didn’t ask you.

[@chammyy456]

Sandra Jean chilllll Sandra, Who hurt you with prenups? Lol

[@angelbeast8863]

Everyone has the right to protect their assests. There's nothing wrong with prenups. It's insurance.

[@hungrybeaverontheleaver]

Everyone as long as they're a woman 😂

[@j936-n6n]

150k is not too shabby at all from his side. It depends on them, but her boyfriend does not look like the desperate guy that could be a gold digger with 150k. Also no, I don't think Dave's advice would be different if it were a man, he consistently advises people to go all in into marriage and be partners.

[@zmose1665]

"my boyfriend doesn't want to combine finances" not quite the same advice?

[@j936-n6n]

It kind of is, he is advocating working together combining finances and budgeting together.

[@tomm8025]

You don't think his advice would be different? You just saw that it is! He threw the whole preaching about what marriage is out the window to say "get a prenup"!

[@ChipZilla69]

If this was a role reversal and a guy called to protect his wealth Dave would be banging the bibal drum and quoting statistics why finances should be merged with no penup.

[@vilmamaritz8265]

She had a bad experience in the first marriage.

[@ShineBright-m5b]

Well in my house we have a joint account for the household expenses in which we put a percentage of of incomes in , we also have individual accounts for personal use.

[@colebendoggettyounger2610]

At no point should anyone share finances ie having a joint account. You never know what may happen in the future. You have to protect yourself at all times.

[@ryanking4942]

When a man calls about this, Dave says he needs to get over it and combine. When a woman calls about it, Dave says to get a pre-nup smh

[@Secretelover12]

Lol no, you're being dramatic

[@Flare6]

@@Secretelover12 No, Dave literally just told a male caller that his fiancée thought she was better than what she was. It’s a video from October “My Fiancée wants me to sign a prenup, is she worth it?”

[@Secretelover12]

@@Flare6 I've seen a video Dave did where he suggested the man get a prenup because he had a bunch of money he made from inventing something and selling it to become a millionaire. It's almost like Dave gives advice based off the info told to him.

[@coreywilliams1454]

@@Flare6 It's because they weirdly combine being religious nut jobs with trying to provide financial advice, and it just doesnt work.

[@nikkisigmon8090]

Prove it. Compare all the situations where prenup is recommended for or against and look at the trend.

[@ClaxtonBay123]

If you're paranoid about joining funds you shouldn't be married. Period. It shows a lack of trust and it's OKAY to feel that. Don't lie to yourself.

[@mtbroca]

She probably picked him because he's hot.

[@joshuashaw9384]

Yet when a guy wants a prenuptial agreement so the wife can't take his life's work suddenly its wrong 😂. I love watching Dave Ramsey but sometimes I feel he's WAY lenient

[@thoryan3057]

I want to get a prenup agreement no matter what the situation is, I don't care if I make less income or more income. I want myself and a future spouse to have our own separate financial accounts then I want us to have joint accounts that we are both responsible for contributing to every month except for months when one of us is not employed. The money we contribute to that account doesn't have to be 50/50 but it would be used for all joint expenses. Then, if a divorce happens, only the joint accounts get split up and the house(s) we both go in on get split up (share of mortgage payments for joint properties while married doesn't matter to me but going 50/50 on the down payment would, but that's negotiable). If a potential spouse can't agree to this or an adjustable version of this than I am not getting married with them. Kid(s) with them maybe, but not marriage.

[@littleripper312]

It's true, I'm happy as women we're allowed to work and make money and are fighting for equal opportunity but we also need to evolve our views of men. I think more women need to stand up for men just as many men have stood up for women's rights. Human rights and a better society should be fought on all fronts for everyone not just select demographics.

[@cm01]

As far as I've ever seen Dave has been very consistent in his prenup policy. If anything it's the men themselves who are the suckers and think they don't need one because their wife doesn't work or something. Definitely not how it works.

[@misa5941]

@@cm01hi p I agree. Seen him suggest to both men and women.

[@Maremare680]

You make $650? Girl, don’t get married 😂

[@MsDorcelus]

Unless it’s to someone who makes an equal or larger amount. 😂😂😂

[@Spaceysgurl]

Play for life. Get a flavor of the week forever.

[@COINsimp2024]

Seriously, like why!!!!

[@slayer5813]

AGREED!!! Same goes for a man.

[@510bayareaprincess]

Agree, but who knows how old she is lol she did say she’s a doctor and is divorced so I’m thinking her young years to be single have passed. What if she has a short window to become a mom and that’s what she wants?

[@tompinkerton8099]

Dave is a multi-multi-multi millionaire. I like that he is genuinely still taken aback that someone would make $650k. 🤣

[@globescape4771]

In net worth, he's millionaire, but because from where he came from, he's average joe

[@yasminogbu8929]

I know what you mean

[@Mr.Rogers91]

What a good man she found congratulations. He was understanding of her past and willing to adjust how they handle finances to make her comfortable.

[@texasgermancowgirl]

Btw- doctors that make this much are usually partners in private practice or own their own practice. Most don’t mention they own their own practice on calls like this for privacy reasons. It’s known healthcare knowledge.

[@bobbivalleau]

A private clinic in Canada?

[@klinzons]

It’s completely different in Canada, all doctors are paid through the government unless they do cosmetic work.

[@chessmatica8242]

And their personal drivers make about 150, right? Lol!!

[@aao449]

In a well established, busy private practice that amount is definitely attainable annually. Cosmetic services, procedures, performance bonuses for healthier, happier patients.👍

[@minervagalvez4748]

Prenuptial Agreement 📃 is great👍 Idea💡 to keep your finances safe. Awesome boundary to have in a relationship like this🙂!

[@cristalpartida5053]

Umm... maybe I should try to go to med school :) lol 650k?!?! Woah!

[@cristalpartida5053]

The dream

[@kitabae25]

I really wanted dave to ask her what kind of doctor she was 😩

[@ECmom]

Probably more than US because she’s in Canada.

[@kitabae25]

Ack it all depends how she decided to pay for it. She seems really smart so i dont think she has much or if any

[@ryanweston9677]

There’s very little difference in happiness after 250k according to a lot of studies. If you have the intelligence, ambition, and patience for med school, Godspeed

[@localone1597]

Would you give a man this same advice? Pretty much everyday a woman comes in and tries to take what a man has earned.

[@monicarenee7949]

He has a video giving a man the same advice, yes

[@teachmehowtodoge1737]

@Dementia Joe there was. A guy who became a millionaire at 26 from his business, Dave suggested a prenup to him.

[@Ttekcif1]

If you guys watch a multitude of his videos he does advocate prenups to both sexes in very specific scenarios. He mentions a prenup but always states there’s more to it and communication is the bottom line

[@maxrice6990]

I'd work for like 5 years and retire, lol. 650.. Living on 150, you can have $2 mil in 5 years saved up in mutual funds paying 140k a year

[@TheSurgeExclusive]

But you can’t take the money out of mutual funds without being penalized right ?

[@maxrice6990]

@@TheSurgeExclusive Only if it's in your 401K. Just having your money invested in a mutual fund will generate taxes on the returns, but not the massive penalty that you'd get with early withdrawal from your 401k.

[@IceFireEx]

Depends on community property laws as well. Check your state to make sure if this law applies. If it does, get a prenup. If not, keep separate checking accounts and contribute to a joint account for joint expenses or continue with a prenup anyways.

[@takingbackprofits1280]

So as the old saying goes, whats hers is hers and whats his is also hers lol

[@globaldj719]

Right!

[@deborahjackson6108]

😂

I always advise couples to never combine everything. Separate accounts encourage personal responsibility for better money management. Separate accounts also help prevent one spouse from abusing the other financially They help prevent arguments over money and discourage gold diggers.

A spouse should be a partner, not a parasite. You marry a person, not a bank account. Couples who keep separate accounts seem to have stronger, happier marriages.

[@damonleeb]

Too bad that 650k is taxed down to 350k in Canada

[@RedScareClair]

To quote Kanye West, "If you ain't no punk, holla we want pre nup"

[@knowthyself8233]

We want prenup, yeeeaaah!🎵🎶

[@arthrodea]

@@knowthyself8233 "Its sumthin that you really need to have..."

[@luxuryhairhouse9641]

Cuz when he leave yo a**, he gone leave with half

[@caseycantrell-gh6fg]

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing below the $100k mark and in the first 2 months, my portfolio was reading $234,800. Crazy right!, I decided to reinvest a huge percentage of my profit and it got more interesting.! For over a year we have been working together making consistent profit just bought my second home at the beginning of summer.

[@Susan00197]

Hi. I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second child. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks

[@caseycantrell-gh6fg]

@Susan00197 However, if you do not have access to a professional like Suzanne Gladys Xander, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments.

[@Susan00197]

@@caseycantrell-gh6fg Oh I would love that. thank you.

[@caseycantrell-gh6fg]

@Susan00197 Suzanne Gladys Xander is her name .

[@caseycantrell-gh6fg]

Lookup with her name on the webpage.

[@zoraster3749]

Waiting for the double standard narrative... imagine the sexes are reversed and let’s see if Dave would say the same thing (or in the same way)... After video: Probably the best advice given on the topic. I think they’ve been less sympathetic to men in a similar situation though and there’s been more of a focus on responsibility when he talks to a man than delving into the actual issue like they did in this case.

[@insideoutsideupsidedown2218]

He does say the same thing...next question...

[@ExplisidyMusic]

I was going to post this same comment..if it was a male wanting a prenup he would be shamed for wanting to protect himself.

[@Sinful_Survivor]

Truth

[@RedScareClair]

Well 1 the gap is huge and 2 the conversation isn't I'm a resident and I'm about to make 600k, should I get a pre nup. She already does. The same is true in reverse. I think ppl like Michael Jordan would be a FOOL for not getting a pre nup getting remarried at this point of his life. But the first wife was there when you were broke and not a celeb. Huge difference.

[@edb484]

Facts 💯

[@Kysen10]

0:58 reaction = priceless. Its why i'm subbed.

[@Mag1c4lyfe]

I'm subscribed because Dave gives good money and life advice

[@tokenblkguy00]

Another vid where Dave tells the woman to protect herself financially but no matter the circumstance tells men no prenup and combine finances

[@HAMID___]

GIRL YOU BETTER GET THAT PRENUP

[@steveshideler1333]

Prenups don't work in Canada, 50/50 split of marital assets is legislated.

[@callmeishmaelk767]

Plot twist, she has $1.2 million dollars in student loan debt...Dave, would you now advocate for the husband to get a prenup? 😂

[@husher5142]

Nah, prenup for everything and then there is no discussion about "you don't trust me" or w.e bs

[@eprofessio]

Don’t get married if you are worried about it. Just keep being a serial monogamist. Prenuptial are like preparing for a divorce so you might as well just skip the whole thing.

[@IMBLESSED-oe6dl]

She gonna be keep resenting him if already thinking a about prenuptial

[@tigerak02]

Prenup or no marriage, period.

[@teeduck]

What do you put in the prenup? She buys the house. He pays her rent? What if they have a kid. Who pays for the kids food and clothing, what percentage each

[@bsimms583]

For everyone latching on to a suppsoed "double standard" without finishing the video: he addresses why he recommends it in this situation. Y'all are trying to find issue with something that isn't there.

[@cxkelley]

B Simms you’re not 100% right and you’re not 100% wrong. Good point.

[@justinc2633]

Dave will pay for a single mothers house before he buys a burrito for a man dying of cancer, then he'd insult the man.

[@mr.2gr33dy7]

funny how when its the man bringing up a prenup it is wrong but when a women brings up a prenup its okay?

[@ForgeofSouls]

Dave recommends a prenup regardless of gender.

[@I_like_turtles_67]

BINGO.

[@J_Costa15]

He specifically outlined the scenarios where he does recommend it. Don’t try to make something out of nothing

[@echofnoiseechofnoise3888]

@@ForgeofSouls nope

[@blackworldtraveler3711]

All I know is George Jetson took money out of his wallet to hand to his wife Jane and she grabbed the wallet instead. Never forgot that.

[@Elizabeth-uj8vn]

😂🤣😂

[@FaivenFeshazion]

🤣🤣🤣🤣

[@muffiefran4456]

She was only going to buy groceries 😂

[@CLdriver1960]

BlackWorldTraveler Funny you mentioned that, it was exactly what I was thinking!🤣🤣🤣

[@Sombra_Azul_]

XD

[@phil3924]

I can't imagine how that income differential would affect the relationship dynamics in that marriage. I wouldn't go anywhere near anyone like that. The dating pool is probably pretty sparse for her.

[@mercycunningham2813]

I'm very much for prenups. People change, you don't divorce the person you've married, as a figure of speech. And the reaction when mentioning wanting one will show you exactly who the person you are about to marry realy is.

[@Josh-by9fv]

Rice & beans, beans & rice until you triple that income.

[@texan903]

Prenups...even a single conversation or question about a prenup will tell you where you stand with the other person, whether or not you plan to follow through with drafting the document.

[@genevieveleduc2208]

You go Alice! Props to you!

[@jewelswinfield]

Why get married if you're not really getting married? Stay boyfriend and girlfriend.

[@ashtonpriestley3173]

2:09 weird is gonna be exaggerated: so I'm wearing golf shoes to all my business meetings from now on if there's any questions I'll defer all of them to this video.

[@Dance1617]

John Delaney response to her 650k was PRICELESS John:650.... 650!! F****ck me 🤣🤣🤣

[@TheUzamaki1234]

When you punish the person in the present, due to the person in the past, then you have no future.

[@callmeishmaelk767]

Double plot twist, they both have $1.2 million dollars in student loan debt.

[@markyouneva7840]

The doctor has to be in something highly specialized for that income, like neurosurgery. While it's excessive pay, I still rather a doctor get it than useless CEOs

[@drippy4622]

A doctor only works on how many people every year ? A ceo affects waay more people. Your doctor fixing your leg or whatever does nothing for me at all.

[@DevHazy]

Sooooo good I love when John says the brilliant things

[@chada75]

This Video was 11:30 Too long. Get. A. Prenup.

[@YPEFFLE]

👏👏

[@valarmorghulis3773]

🤣🤣🤣