I Stopped Making My Car Payment Over a Year Ago

I Stopped Making My Car Payment Over a Year Ago
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[@TheRamseyShow]

Say goodbye to debt forever. Start Ramsey+ for free: bit.ly/35ufR1q

[@todd2456]

I wonder if they kicked him out of the military because he couldn't get to the point.

[@Anna_Bruno97]

You’d be surprised how much the military makes no sense

[@weirdnomad8868]

He definitely isn't the sharpest knife in the drawer.

[@mannysykes]

yupppp

[@kingartem]

@@Anna_Bruno97 Death by PPT.

[@planner812]

He is young and doesn’t know

[@patty109109]

“Nicholas, what’s your question.” Thank God!

[@lorrainea.285]

🤣🤣🤣🤣🤣

[@jacobmoreno6339]

Hahaha 🤦🏼‍♂️ sounds like the other guy wanted to laugh too

[@sajakupadhyaya]

Something tells me this guy is not gonna do any of what Dave said.

[@FallicIdol]

He doesn’t sound like the sharpest tool in the shed

[@theunkownmr.562]

Exactly. He's just going to buy the car he wants.

[@Chevifier]

I laughed so hard when Dave cut him off and said: "Whats your question?" He was trying so hard to justify his actions lol

[@ralphholiman7401]

Yep, he needs that new car for self-validation.

[@tjbalistic]

@@FallicIdol You don't have to be smart to be wise. He sounds like neither.

[@ladysparkle6784]

I don’t understand why people are so afraid to go to work. Just work and stop spending!

[@mattschmitt9924]

Don't have extra time to spend it if you're too busy making it!

[@vincentortega4284]

Many people do not want to work because they are Lazy.

[@jacobshaw2991]

FOMO

[@matthewwilliams9200]

@@junomaxzoey5146 yea some people version of studying and working full time is threw lazy glasses. just like some people's version of study is threw lazy glasses.

[@teacherscott437]

Amen

[@amandar4980]

What’s the question!!!!!! 😂😂😂😂😂😂

[@TonyRule]

I was yelling exactly that at my phone just before Dave said it LOL

[@polyglotsjourney]

Dave: How old are you? Nicholas: 22. Dave: aaa, ok 😁😁😁

[@user-eu2me4bp7j]

lol

[@ClintonFox29]

Horrible to listen to this OMG drag on

[@Harry4Potterfan]

lol I cried when Dave says what's your question? so funny

[@ChrisMFlorida]

So how can I help today?

[@ChrisMFlorida]

@@saulgoodman2018 Did you find your 12% saul?

[@matthewgardner2144]

It's why he was court-martialed. The Army couldn't deal with his pointless rambling.

[@TonyRule]

@@matthewgardner2144 Maybe the early discharge for nefarious reasons is just a cover story. He actually went into PsyOps after being recruited by the CIA and now specialises in breaking the enemy's will to live, with his babbling.

[@yamamancha]

I think we all lost a piece of our souls listening to this one...

[@sigourneywilliamson2050]

You’re spot on

[@YouTubeUzername]

Dude bought 1200 dollar tires for a car he couldn’t even afford. 😆🤣

[@Shane-fh4uu]

I bought a set of wheels and tires for 2800 (downsizing from 21" to 20" for better ride quality) and sold my OEM sets for 2000. It was a little pricey but I could swallow it since I got a lot back but I always wondered how people with cheap cars have all these custom wheels on them. Took a while for me to decide to get them on my 60k car

[@TheRSAngle]

@@Shane-fh4uu Because if the car is cheap you can afford more mods.

[@DVeck89]

For two! Not even a whole set

[@UserName-mj6db]

“Nicholas what’s your question” 😂 I feel ya Dave

[@specialtyentertainmentdj]

The tension in his fingers.😂

[@coopduc112]

Like I always told my kids, “when you find yourself in a hole...stop digging!”

[@dans3718]

Man, this guy can't get to the point.

[@LittleMopeHead]

I was about to throw something at the wall.

[@dagobaker]

@@LittleMopeHead i was about to b buying a new tv

[@elbarto9458]

Glad he is not in the military anymore.

[@vickieclark5931]

No doubt. Some of these callers tell their whole life story before finally asking the question.

[@jusplay7309]

Maybe it is because you live in a culture that does not value patience.

[@shannonb4506]

Incredible that he has most of the money saved to pay off debt but instead he wants to buy a car....🤦‍♀️

[@teresatalkss1211]

He sounds so lost 😆

[@polyglotsjourney]

He will learn one day from his own mistakes! Hopefully.

[@hornetguy9063]

John Sejdini and then claim it’s everyone else’s fault when the bill is due

[@westonr4359]

Sounds like he’s going to go get another car loan, and probably end up paying 20% interest since the repo.

[@MattInTech]

Wonder if he is in the dealership now.

[@juniorgod321]

Yes, but if he switches to Geico, he can save 15% or more on car insurance!

[@jorgeluna6773]

@Muddobber McCrablice I think he got a honorable discharge so he probably gets free education via gi Bill hopefully but hope he doesn’t get another car Loan. He’s young he probably is embarrassed to drive his grandmas car lol

[@PInk77W1]

@@jorgeluna6773 young and clueless

[@747-pilot]

@@juniorgod321 ROFLMAO!! 😂

[@ClaxtonBay123]

I'm absolutely SHOCKED it took that long for the car to get Repoed

[@livingunashamed4869]

Maybe it was in a garage? They can't physically take it unless its out in the open.

[@strothermartin5368]

He was lucky!

[@keepitreal8939]

He was in the military when he got it. Something the get cut a little slack.

[@ashleym6765]

They don't mess around with the military lol they will wait. Same as with housing....

[@strothermartin5368]

@@ashleym6765 He was in military cut him slack

[@marys8628]

not having a car payment is one of the best decisions i ever made. so many of my “friends” would pressure me to get a car from the dealership ... i’m so glad i didn’t because i would be in sooo much debt because of it. i got a great reliable car for $2.5k and have the rest of the money ($15k) i would’ve spent in savings :)

[@rjwalker4153]

That's the smart way to do it, you come out way ahead. I've always driven beaters until I actually had the money for a newer car. The main thing is to avoid car payments.

[@freedomworks3976]

Yep for sure 👍 👌 no car payments !!!!!

[@g4be01estuar]

Well any car has value and expenses...

[@johnengland8619]

I ride a motorcycle and a scooter

[@Brushyset]

@@johnengland8619 same

[@dylancrossfinance]

This kid needs to figure out how to handle finances... This is how I was when I was 18, but I learned my lessons and NEVER AGAIN!

[@ElaineLoyd]

Yeah I learned when I was -219 in my bank account at 18 started ynab never looked back. Keep it up.

[@bogdanaronov351]

Sameeee, I bought a brand new car at 19 and never again. Paid it off by 21 and never going on car payments again. Lol

[@jackmichaelbmx]

I make the same mistakes when I join the army but I was lucky that a old guy totally my car

[@HaloDaycare]

To all the rude people in the comments, take a moment to understand he's only 22. It sounds like hes also suffering from a bit of social anxiety which can happen when you're on the phone with millions of people listening

[@Fred1294]

I never did anything like that at 22, he is a trainwreck 😟

[@karimbennett5651]

But, he’s not 12.

[@HectorLopez15]

I’m 21 and this dude sounds like an idiot to me

[@ab6551]

He need something good and it was to ask for help

[@GamerNRetro]

Willing to bet the car was a Dodge Charger/Challenger.

[@hectormorones8733]

Naw definitely a camaro lol

[@ThatDoll25]

It’s definitely one of the 3 😂

[@blacknmild]

Probably so... I will never make the mistake of buying a Dodge/Chrysler/Fiat car ever again. The computer modules in those cars are garbage.

[@stephenshelton4267]

The computer garbage is the death of modern automobiles. It promises the bells and whistles of a Federation shuttlecraft, but in reality it's like driving Microsoft Windows.

[@As_A________Commenter]

Dodge Challenger, the official car of the NCO

[@tomdrummy4984]

I stopped making car payments in 2005

[@Saiyijon]

My gut said he wasn't buying a $3k car, but was gonna put that money down and finance another car. This kids a soup sandwich.

[@simplyme922]

Soup sandwich is a real mess

[@DVeck89]

And not pay on it either. He thinks he can keep gaming these systems

[@redbunnyclassic]

With potatoes.

[@ChrisAcetoPriest]

I never imagined when I bought my first car with a co-signer that not paying the bill was an option.

[@---cr8nw]

For people with morals, it's not an option.

[@dylancrossfinance]

If you want to be wealthy, get rid of the car payments.

[@unfairsanic5089]

Yes, is you want to buy a car right away save money then pay it full

[@appleforever6664]

Or, don’t get married! 😂

[@unfairsanic5089]

@@appleforever6664 you can get married but dont get a woman who will milk you for money

[@phobedavis7014]

@@appleforever6664 Isn't it easier to build wealth together.

[@melanieb2132]

@@appleforever6664 most millionaires are married.. most millionaires are not divorced.

[@ThePooppantsman]

I stopped making payments over 3 years ago when I paid off my truck. We have so much in common.

[@ssh6706]

I haven't made a vehicle payment since 2008

[@pic376]

They say when you are young you are stupid. Experience is a tough teacher it gives you test before the lesson.

[@cheezybred]

It doesn’t seem like he learned anything. Hes gonna buy a car next week.

[@Casinogirl56]

And it'll probably be a more expensive model than the repo wagon.

[@user-kr2hw7zb6v]

I do a lot of work on houses, and something I notice is when I'm working in lower income areas, I'll see a house and they'll have an Audi or a bmw outside along with another car normally. I'll go to rich neighborhood's , yes I see the occasional range Rover and nice Mercedes, but in general they have cheaper cars and save their money

[@pigpjs]

Yep. My parents own 5 rental properties. Their renters ALWAYS have "nicer" and newer cars than them. My parents believe in buying new, reliable cars then driving them for 15 - 20 years. When I rented I used to shake my heads at the amount of Teslas and BMWs I would see in the parking lot.

[@laanierhae]

"What's your question?" Still doesn't ask a question.

[@cisium1184]

"I made a few bad decisions..." ...and he's about to make a few more.

[@dlawsonlawson1582]

Four months from paying my truck off. Can’t wait to be done

[@IamtheGL]

W

[@appleforever6664]

Shouldn’t have taken on a car loan in the first place. 🤦‍♂️

[@IamtheGL]

@@appleforever6664 blocked

[@micksterboone4517]

Good for you! Drive it as long as you can, new truck prices are insane.

[@blacknmild]

@@appleforever6664 Why? Not everyone wants to purchase a piece of junk car that will keep breaking down every month.

[@rcarter012]

I wonder if he saved the stimulus checks for his new car

[@Martin_3030_]

Me: Open KZbin. Me: 👀 “I stopped making car payments a year ago” Me: “this should be good” Me: Click

[@noahcorona1397]

Ok?

[@dalesamples]

@@noahcorona1397 I think he is saying that the video wasn't good. It was painful.

[@unfairsanic5089]

I knew a soldier who came back from the iraq, bought a corvette c5 and works at the callcenter making 8 bucks an hour, sleeps around with alot of women and found out that he Owned 19k in debt and ended up living moms house with pregnant girl 🤦

[@ssh6706]

So sad...

[@unfairsanic5089]

@@sumerjohnson1879 until rn be still brags around that he sleeps more women more than other men because he got the looks, but he broke though

[@hornetguy9063]

Sumer Johnson 'student' I know of chicks who will marry dudes like that. Being military is huge status in blue collar circles and women will flock to them. Then they enter the post-military world and they become regular

[@hectormorones8733]

I actually know a lot of people like that lol crazy how people have so much in common

[@Faith-un7ns]

He’s not going to listen. I don’t know why he even called.

[@Noadvantage246]

He obviously just called to brag about all his money

[@Faith-un7ns]

@@Noadvantage246 what money? $3000 but he wants to buy a car for $6000 and not pay what he already owes. Ya okay.

[@simplyme922]

@@Noadvantage246 haha he doesn't have any

[@Gus_Chiggins]

Holy cow it’s hard to listen to this guy ...

[@user-rw8zj1td9v]

This hurt my brain

[@MillionaireMindsetClub]

"Nicholas, whats your question?"

[@xXmurgiXx]

I lost brain cells listening to this kid.

[@RockyMtCrystal]

It took so long to repo because he lived ON POST. Single E1-E4s have to live in the barracks. Don't know if repo drivers are given access to military bases 🤣.

[@squished300ztt]

Speaking from experience, E1-E4s will also hide their cars when they know they’re behind on payments.

[@Jay-om8gr]

Yep

[@Chinunit22]

@@squished300ztt they have an access, they'll just have to get a pass from visitor center.

[@qmakesithappen]

I financed a car for the first and only time in 2008 and it was repossessed that same year. I haven't had a car note since.

[@0neofthem]

Can’t wait for the caller who made a small fortune off GME and asks Dave what to do with it.

[@7318ify]

Or the one who used lost all of his student loans playing GME....

[@motorcyclemichael2182]

I’ll try calling and getting through tomorrow

[@TeaRex97]

You’re in luck it just came out

[@williamerazo3921]

Already has happen

[@andygarcia3585]

Dave: you’re a grown man Also Dave: don’t do it, honey

[@luigy0491]

This is why i love watching this guy. If you can why cant i. Sucha motivation Dave thank ya!

[@jefflauracook]

I wouldn't call him honey ,I would call him a thief!

[@freshurb8963]

This guy is a train wreck.

[@AC-ly6tg]

He can’t even get his point across

[@HaloDaycare]

He sounds like he suffers from social anxiety. Its rude to speak this way of anyone, even if you are behind a keyboard

[@appleforever6664]

Caller is a mess! 🤪

[@oaoskey6051]

Omg right!?!?! 🤪🤪🤪🤪. 😐

[@DaveSincere]

This dude is the author of his own misery because he can't effectively communicate.

[@foshobmx]

Man that was one of the stupidest calls I’ve heard lol

[@Takar100]

Sounds like he just didn't want to drive a "grandma car". Let me tell you, grandma cars are great, especially when you don't have money! My first car was a grandma car that we bought from a little old lady that literally only drove it to church. It had 30K miles and was in excellent condition. It was 17 years old (older than me at the time) and we got it for $1200! I was so proud of that little car, that I worked on it and made it better. Turned it into a lowrider. Took it to shows. Guy was like "I didn't know these cars could look this good. I have one." Me, "yeah, a lot of people say they're grandma cars." Him, "I got mine from my grandma!" I still have it by the way, since I loved it so much. It's on my page. 1985 Chevy Celebrity.

[@Denisenyc54]

This guy can’t get his thoughts 💭 together 🤦🏾‍♀️

[@deebeautiful84]

He has some issues with depression. I know what this looks and feels like. I pray he can move forward and makes more responsible decisions.

[@arnold17]

I don’t think so. I think he just lacks confidence and tries to fit in or impress people. It makes sense, his discharge from being around the wrong people, getting a car he can’t afford and spending 1200 on tires he can’t afford. Him not wanting to drive his grandma’s car when she barely drives... her car probably isn’t cool enough for him. He has 3k and wants to get another loan to get another car... if he really just needed a car he could buy one for 3k or less, but the car would be older with a lot of miles. He can’t be seen driving that can he?

[@JoeLSoL]

My first car was a grandma car from my grandmother I made payments of $200 a month for a year till paid off to $2400. It was a 1990 Chevy Corsica. It showed me the value of money and created a sense of responsibility as a 17 year old while washing dishes at a rehab hospital making $6.10 an hour in 1999 right after high school.

[@jaysmith6013]

Before I started listening to Dave Ramsey... when I got my first job, I went out and bought a brand new car. I thought I was being smart because I “stayed within my means” by buying a Toyota Corolla on 0% financing. Then I found Dave, and focused on paying that car down. Paid off in 36 months when i financed it for 60 months. That was 8 years ago. I’m still driving a reliable solid little car and haven’t thought of a car payment in 8 glorious years. Not having payments is so liberating. Once you go debt free, it’s hard to take debt on again

[@Viva_La_Vargas]

Those UA’s will get ya. Being in the military is easy, it’s harder to get kicked out than it is to stay in lol cmon kid

[@mrodriguez6449]

This guy is brutally honest! I love it!

[@steadyuser919]

Who dave?

[@joelratemo1752]

Very good advice. This show is a blessing.

[@phillipnevels1598]

No Dave you haven't been in the same situation as this guy. It's not his debt that is keeping him up at night. It's the fact that he knows he can't afford to pay for that car he wants. And no he is not going to follow Dave's advice. Give him another couple of years and then he will be calling about the $25,000 in debt that he owes and he will be living in his grandmother's basement.

[@cooperwright8500]

This one makes no sense? If the debt is keeping him up at night it’s obviously because he can’t pay it. Dave had to go through bankruptcy I’m pretty sure he’s been in the same situation

[@Nickkkk838]

"Early on in my time in the military, I purchased a vehicle". Translation: I went to a shady off post car lot and paid 28% interest on a car I couldn't afford.

[@LetsTalkPersonalFinance]

I'm shocked they took that long to repossess the car

[@lkj0822g]

Most likely, there are some regulations against repossessing military members, which were put in place to protect the military members while they are deployed. When they kicked him out, he was fair game.

[@heathj7794]

Probably lived on base. Not sure if the repo man has that kind of access

[@---cr8nw]

@Charles, it doesn't really give him as much of a break as it seems. When they repossess a car, they sell it and apply the proceeds to the balance owed. So, the older the car is and the higher the mileage that's on it, the less it'll sell for. He'll have to pay the difference. Granted, that's probably less than his car payment would've been for all of those months.

[@mind.health7834]

He needs to listen to Dave every day. It's good to learn these lessons now when he is young.

[@75sheed]

Dude can’t give a straight answer lol

[@GARNET-DAGGER-FF9]

This man has a car that got repo and he's trying to buy another car too. Crazy

[@user-dx7tm7qn1w]

Most of you guys are jerks pretending you’ve never done anything stupid at a young age…He did the right thing asking for help. Considering none of jerks helped him out it’s quite pitiful you’d comment something negative about his situation. I wish you all painful situations & no support 😢 Thanks to Dave for giving him the time of day

[@timdaugherty5921]

Car payments are the devil

[@mariacarino5665]

Why is the other guy angry? Caller is asking for advice.

[@jcarlson2727]

I had a car payment once - it was one payment and I paid cash

[@cutehumor]

He can't get no action driving grandma's buick!

[@mrsaoallen1707]

Spit it out son! We don’t mumble and beat around the bush in the military!

[@micksterboone4517]

Thanks partly to listening to Dave and also being a little "miserly", I find myself with Financial Peace. Feels really great. No truck payments in my future! lol

[@thomasm5922]

I have a plan. Borrow 6,000 for an auto because i plan on not paying it anyway. LOL Hopfully they won't repo it for a year.

[@Martin_3030_]

“I can hear it in your voice”-Jon D

[@neethi3jois]

Also Dr. D - “There’s more to this isn’t there?” 😂

[@orlandoducati]

The military really needs to implement a financial responsibility class in boot camp. Right after boot camp I went into the same thing and bought a car at a ridiculous interest rate and my insurance was insanely expensive. A lot of military members do this and considering that a lot of us in at an early age we fall into this trap.

[@steadyuser919]

Did you get any better?

[@halfprice6889]

Thank your for your advice

[@EvitasBudgetingLife]

When Dave calls other men “honey” 🥰

[@MP-nj1qy]

Because he could have been his son

[@amandar4980]

When Dave said Miami Florida … all I can think of was Miami Repo.

[@Positiveenergy68]

He’s 22, he comes for advice but he won’t take it. I’m glad I now have zero debt and I make money and my money also works for me. Once you ditch the “poverty mentality” money is just drawn to you.

[@sigor2011]

Talk to grandma and buy hers if she ain't driving it.

[@DVeck89]

Probably a town car or lesabre or something else not cool enough for him

[@fhuber7507]

Early separation... due to something he did... probably lucky to not have an OTH discharge. He's been going from bad choice to bad choice. Time to start making better choices.

[@rebeccan4763]

Does he lose any benefits from not completing the minimum time in?

[@tucoramirez9729]

Pay what you owe!!

[@black4vcobra]

How can we possibly get this through the heads of people! Same with student loans - you borrow it, you pay it, period.

[@tucoramirez9729]

@@black4vcobra couldn't agree more with you !

[@stephaniehall8179]

Lmbo when Dave called him honey🤣🤣🤣

[@JoeyNYSDnomad]

What a mess, get to the point.

[@theirmom4723]

No what is upsetting him is...he can't get a new $70K vehicle on time b/c of his repo...he is too good for a Grandma car. This kid is all about appearance.

[@stephengilstrap]

"Ive been living in the poop that I made, and thats where you are" LOL!

[@richd5922]

He called this guy honey😂

[@06XTOR]

Buying a new car is not a big deal for people who know how to budget.

[@jermainebennett7473]

I stopped listening 4 minutes in. It was too painful

[@LLLLogicccc]

Y’all need to stop hating on this kid, he messed up with his life and now he’s asking for help in attempt to redo his life, just relax on this kid geez guys

[@ab6551]

Sorry I feel bad now

[@jordanneal576]

If he listens to Dave he's averting a future disaster. This kid has the potential to be a caller ten years from now with a hundred thousand dollars in debt and seemingly no way out.

[@SueEmmDee]

The caller's nerves are bad. I hope he comes through.

[@antoniohoward8529]

Dave didn’t like this guy AT ALL. Plus Dave knows this dude will not listen, that’s why he had that reaction when the guy said he was 22....that kid is about to buy that 6k car, his grandma car is not “cool enough” for him

[@danielgamingblogs7132]

Dude, its only 3700 bucks. People wish they were in his shoes .

[@razorramon6754]

This boy is incapable of living his life as a responsible man.

[@HamiltonRb]

I don’t think you can make an amateur prognosis on a young man’s life in an 8 min phone call

[@---cr8nw]

He's not incapable. He just needs someone to teach him.

[@TonyRule]

It's not that uncommon.

[@nathanjones6421]

His parents failed him. I actually feel bad for him and how unprepared he is for adulthood.

[@diannathornton2911]

It's NOT his parents fault. He is an ADULT now.

[@nathanjones6421]

@@diannathornton2911 Says Dianna, probably a bad parent

[@diannathornton2911]

@@nathanjones6421 maybe and maybe NOT. Either way he is an adult and everything is NOT the parents fault. Trust me, people with great parents are on drugs and make bad decisions.

[@nathanjones6421]

@@diannathornton2911 I will not trust you. I have no reason to. I’m a parent myself and I’m well aware of bad parenting. Some drugs are good and some are bad, and I’ll never blame my child for trying drugs. Drugs aren’t evil, they’re just dangerous. Education and access restriction is part of good parenting.

[@diannathornton2911]

@@nathanjones6421 you don't trust me....? I don't care if you trust me or not . He has got to straighten up or he will never be a success with money. I don't care about his PARENTS. He needs advice and council. It's about him looking in that mirror and making smart choices.

[@hectormorones8733]

Maybe they didn’t repo it so quick cause he was on the military base? Even then he seems like the person to not keep paying since nothing has happened to the car yet. Definitely thinking well dang maybe I got lucky and got a free car smh

[@rothbj1]

Even without a car this guy swerves all over the road

[@jeffdorris5321]

Nice work ✨🎆🌠

[@Dbeaves2493]

Stop buying things you don't need.. Yikes

[@jesuslovesyou916]

Also, STOP buying things you can't afford

[@raymondcunanan5016]

Work,Save,be frugal,Invest,Repeat. Thank me in 5 years when you are a millionaire 😉😉

[@DaBossk]

imagine being called honey by dave ramsey when your a 22 year old guy

[@buddykerr1]

Debt collectors: "We'll forgive everything you owe if you will just stop talking"

[@brianvandy4002]

Should I create 1 or more additional bank accounts to help me save and control spending? I'm thinking a savings account for the emergency fund, a checking account for bills (rent, utilities, debt payments, auto), and another checking account for flexible spending, like food, gas, entertainment?

[@mustafahafeez411]

I have a checking AND savings account. I leave just enough to cover expenses in my checking and everything else goes into savings. What is “fun” money? It’s all more savings to me