My Bipolar Disorder Caused Me To Spend $889,000!

[@karin0963]

Title makes it sound like she went on a $890k spending spree!! Majority of debt is their house.

[@Aznmf]

Exactly. 700k was the home and the investment property. Only 90k was due to spending.

[@karin0963]

Can you say click bait?

[@pri.sci.lla.]

Thank you for saving me the time of watching this

[@karin0963]

@@pri.sci.lla. you're welcome. 😄

[@AccidentalHiker1]

Bi-polar is hard to manage.

[@StarxPlayz7]

im married to a schizophrenic wife and shes still working.i have no choice but to control our expenses.

[@craigslistrro709]

Bet it makes things interesting.. always a surprise as to who you are married too.

[@StarxPlayz7]

craigslistrr O it is interesting,life is full of surprised.she was diagnosed after we got married.its not easy.but i love her no matter what.

[@katv3116]

Bless you, my mom has the same illness and its not easy

[@Rai_Koroshiya]

Read the book, "the body keeps the score". Been doing EMDR feedback and neuro feedback therapy for other spectrum disorders myself; recovered from prior schizophrenia episodes and now making further progress on many fronts. But the person has to be in a good place to begin to change... god bless.

[@StarxPlayz7]

Kat V be strong,make sure your mum never miss her medication and surround her self in a loving and safe environment i order to prevent relapse.

[@joshuavillegass]

"its an honor, dave im shaking" dave: -_____-

[@VincentW2]

LOL

[@olivevideogames]

He is probably thinking the same thing i'd be thinking "I'm just some common sense financial person, not the messiah..."

[@MariaJimenez-kk9ge]

😂

[@ChrisInvests]

You can "accidentally" fall into the hole but you can't accidentally dig yourself out 😬👎

[@TruIyYours]

With bipolar disorder, if they are in a manic state, they will just spend money like crazy especially if they are not medicated. Then once they go back into their depressed state again, they feel extremely guilty. I hope everything works ouy for her.

[@SIGSEGV1337]

With bipolar disorder it's like your brain is coming up with a billion ideas at once and you can't actually think too much about them you just do them. So yeah, it is an accident.

[@jasonsanders8623]

faissialoo GREAT POINT 😃👏👍 💯

[@ImVeryBrad]

you could always win the lottery >.< haha

[@wahhmann123]

bipolar is no joke, overspending is one of the most common symptoms, especially when you have manic episode the first time you don't know what hit you and you feel invincible, shes really brave for asking for advice. Mental illness is truly a hard thing to deal with

[@tennisbum67]

Medication will need adjustments throughout her life. Her husband needs to be vigilant and watch out for relapse. They need to put in safeguards so she doesn't overspend.

[@black4vcobra]

Being bipolar is mostly legit but still an excuse...

[@black4vcobra]

@@jxgreen1985 like I get that some people are inclined to manic highs and lows more than others but that doesn't mean that people aren't responsible for their own happiness. A person can't just throw in the towel and blame being bipolar for everything. The illness certainly can be managed, treated and if necessary, medication can help.

[@turtleanton6539]

Yes🎉🎉🎉

[@RochelletheRealtor]

I give him a lot of credit for his compassion toward her.

[@RealLifeMoney]

The Effortless Naturalista I agree, he’s very wise in his advice

[@Uhhlaneuh]

RealLife Money - Weekly Financial Videos I think he’s being kinder because she’s suffering from mental issues

[@brucew.5292]

More than I would at first impression

[@joshmiller3673]

He would have gone off if it had been a man... shoot he was more mad at her husband, and SHE'S the one that spent the money!

[@buffaloben15golf88]

@The Effortless Naturalista Well Dave is a rather devout Christian and he knows how to navigate through the emotional factor of finance pretty well. There is a lot of scripture that talks about money such as teithing as he mentioned in this video.

[@LalienX]

They make $280K a year together and own a lot in assets. They'll be fine.

[@patty109109]

She didn't say their age or what their networth is; they are probably massively behind on retirement now.

[@dexterm1285]

@@patty109109 Depends even in in 40's they will be ok...if they dont get sidetracked again.

[@bryanabrego3051]

patty109109 they make 280 a year, they’ll be fine. They could easily save 200k a year

[@patty109109]

@@bryanabrego3051 "They could easily save 200k a year" LOL. This is the same sort of silliness dave says. Depending on which state they're in, after payroll taxes, healthcare premiums, state taxes, federal taxes they'll be lucky if their net is even $200k. What are they going to live on?

[@dexterm1285]

@@bryanabrego3051 No after taxes they are lucky if they have 200k. After mortgage and expenses....more likely id say easy to save $100-125k a year.

[@Sir_Ken179]

The title of the video made it seem worse than the situation actually is. If she gets the needed treatment, goes back to work, the husband keeps an eye on her and they sell their other house they will be 100% debt free in 4-5 years

[@trollsymctroll5361]

Most call it click bait

[@TheBeard411]

Clickbait is clickbait

[@Doors067]

Mental illness is no joke, I feel for them. Prayers for sure

[@kaseycentanni753]

she makes a ton of money has two properties so obviously she’s doing so much better than half of the people out there

[@basednwhitepilld]

She doesn't "have" them if there are mortgages on them.

[@MarksTournaments]

Did you not watch the video?

[@DanielIles]

I think there may have been steps along the way to recognize this behavior and stop it early... Good for her changing things now!

[@cherrytung]

I’d get a mini heart attack if I spent that amount... *minus three zeros*

[@clintbeastwood1947]

Facts sister

[@cherrytung]

@AlaskanWhiskey haha same! If I had 889K in cash i'd probably put it into real estate :D

[@cherrytung]

@@clintbeastwood1947 👐

[@shachede6828]

they didn't. click bait title!

[@sbrazenor2]

🤣 That's not even that much.

[@TomaGonzalez]

Proud of her for being brave enough to call Dave after all that has happened! They can totally get out of debt again because they knows how. Her illness of course has to be addressed seriously and cannot be ignored.

[@ministerchristine]

Wow she is very wise and humble to admit the problem and willing to get back on track! Well done!!

[@linllinas8469]

For everyone commenting on her spending so much money and blaming her illness, please educate yourself on mental illness, especially bi polar disorder. They go through phases of mania which can come in all sorts and everyones bi polar disease and the urges that come with it, are very different. Dave is trying to help people but she has to keep up with her treatment: therapy, medication, etc and then she has to have an accountability partner (her husband, parents) whoever is there for her.

[@hymnodyhands]

@Elaine McMurren But it can be a symptom...

[@hymnodyhands]

The IGNORANCE on this thread of comments is sad but not unexpected... the narcissistic projection and vomiting of personal resentment is sad also. Here you have a woman who is coming publicly to an expert about a shameful thing she did while dealing with illness she didn't know she had -- but now she's getting the treatment and therapy, back at work, and taking the initiative to get things cleaned up. Yes, there is emotional damage, but a journey into responsible recovery is exactly what you are ACTUALLY hearing.

[@Killdroid96]

I feel for people with bipolar disorder. I am diagnosed bipolar 1. It’s hard with finances. Even as a teenager I find myself having trouble controlling my impulse and spending money. I try to do my best with keeping my finances in check especially while going through college. It is a struggle, but will eventually be worth it!

[@rustynails8756]

I love how Dave can see the total picture and advise accordingly. It would be so easy to simply agree with this woman and say yep you messed up its all on you. Instead he correctly points out her husband has some accountability and how together they can avoid this financial tragefy from being repeated. Wish I could see things in such a balanced way

[@NoDebtButLove]

Mental health is taboo to discuss. Laura is brave.

[@wanefelicia8779]

Taboo? Lots of ppl love talking about it and using it to exploit others 😂🙄 that is why u can find many who have faked such illness ...it is fun to have a sad victim story 😄

[@NoDebtButLove]

@@wanefelicia8779 sad and true for some😔

[@gemsix876]

Wane felicia which is why it’s hard to talk about it if you actually DO have a mental illness, nobody takes you seriously because of people like that. There are people who have it and talk about it way too much though, those people are frustrating.

[@Simon-oy7kf]

Tf you talking about?

[@digitalbrand5510]

My brother does this spending and more, like confronting people about how they park their car or smoking.

[@digitalbrand5510]

I didn’t diagnose him or dispense meds to him or encourage him to drink hard liquor with his meds. Common with this behavioral (not scientific/chemical) diagnosis is reckless spending and overall bad decisions. It’s even more problematic when he gets arrested and jailed by the police for these extreme behaviors (in addition to bail and lawyers, also fines/court costs)! Plus, his third marriage is breaking him and he’s become a poor man as a result.

[@ladypink3473]

I’m on baby step 2, the other day I had a nightmare that I went to Target (my fav shopping place) I spent $400 and I was freaking out bc my whole budget was thrown off track!!!! Good thing it was just a dream and Target accepts refunds, which is a solution I didn’t think about in my dream. 😭😭 I am so mad at my debts! I could never again!!! I’m so focus, even though I currently have a small shovel it keeps me motivated to think of the end line and the possibility towards the end, specially with this new approach I have at life and finances.

[@abdulrahmanmohamed4131]

Keep going and it will pay off!!

[@taahdaah3813]

Why does she keep saying "we"? We didn't spend a fortune, she did.

[@thatslamejehl]

If most debt is the mortgage- that is a we thing. And that's what it sounds like.

[@yazeedgh3812]

I used to listen to dave to learn and now I listen for entertainment lol

[@bobmarker6812]

Did husband not see this and intercept the problem before it blew up to this.

[@atarbuck3452]

Sounds like they did it together..

[@bobmarker6812]

He ignored the behavior, but couldn't avoid the consequences.

[@brandep8920]

bob marker being bipolar myself my husband and I have struggled with this. I can practically guarantee you that if the disorder had that big of impact with their money then their relationship was probably a bigger one hit harder. When I’m in a mixed state on the higher end of manic I start unintentionally scheming these massive plans and my husband will tell me no a hundred times but I can suddenly without realizing it manipulate him into agreeing as if he no longer has a say like a sick sales person. He’s feared that I would leave him or commit suicide if he didn’t just go along. Even though she has the diagnosis the spouse is always in the spinning cycle too.

[@bobmarker6812]

Brizzle Perzzle Exactly my point - he let her manipulate him. Now they're so broke, she can't spend. Does this mean she'll leave him or commit suicide. The problem has to be addressed either before or after they're broke. Better to address it before.

[@oneeyedman99]

@@brandep8920 I was going to say she probably calls him controlling/bullying, but it sounds like you probably do that as a warmup, yowza. Best of luck in getting better.

[@WorldOfMellie]

Question: what’s to stop her doing this again? Don’t worry about it Dave’s got it.

[@CatLady110]

World Of Mellie being medicated properly to treat the manic episodes

[@WorldOfMellie]

@@CatLady110 Honestly her husband will need to be alert and stick with her as I've met bipolar people who have convinced themselves they no longer need their meds or the meds make them feel worst. Wishing her the best though.

[@Mf7d89]

Maybe stricter limits and shorter budget on accounts

[@mriphone1000]

A fool and thier money are soon parted. Just because someone makes more money doesn't mean they'll spend it wisely.

[@dogguy8603]

Difference between being a fool and a mental illness

[@Ant0417]

dog guy Oh stop. Excuses excuses. Mental illness is always the most convenient excuse for everything.

[@patty109109]

@@Ant0417 Yeah it is a convenient excuse if somebody is actually mentally ill.

[@pistachiosandpopcorn7146]

I absolutely have mental illness but with me with age came some snapping out of it. I still have it but I have to remind myself not to let it get me. I think that all this excuse for mental illness actually hurts some people. Now this lady sounds completely sane to me but I don't know how she is when she is having her episodes. But I do feel this lady shouldn't get told over and over (with how sane she sounds here anyway) that her mental illness is something she can't help. When you start telling people they can't help something..they tend to do it more.

[@Evelyn-pl3we]

@@Ant0417 Oh God. Please do some research on all the peer-reviewed articles regarding mania and the biological components before making these types of comments. I DO think her husband, as well as her, should have been paying attention to her increase in manic symptoms but that does not mean they are an excuse.

[@allforjak8074]

I truly can not imagine a $500k house!!!! What happens when someone losses their job for good!! I will be happy in my little house, thanks

[@pattibiley4383]

Amen to that!

[@gurindersingh5852]

It's called having high income. My parents live in a 2 million dollar house, but they bought it for 1 million.

[@joslinnick]

For anyone claiming this is just a problem related to self-discipline clearly doesn't understand the nature of this psychiatric disorder. My friend's father did something similar (albeit he had a lot less money to blow) when he quit his job suddenly, cashed out his 401k, and spent it all on a fully-equipped Toyota Sequoia that he happily paid full sticker price for. My adopted cousin was diagnosed bipolar at age 10, and he would routinely disappear from my aunt and uncle's house for days on end during manic phases, only to be found by the local police department, not having slept for 72 hours, living behind the local Winn Dixie.

[@wadeharris348]

If your friends father had bought a luxury car, I would say it was a mid-life crisis or something. But since it's a Toyota Sequoia, I say differently.

[@adambouchater80]

Use to make $280k, have HELOC, 401k loan , credit cards etc... I wonder if they are living like they are billionaires. Poor husband 😢

[@Archer335]

I don’t care how much money she has. Not being able to control YOURSELF is sad and must be very difficult. She sounds like a really nice person. I hope that she’ll come through it doing well.

[@briannacollie2742]

Oh my gosh.......I'll be praying for you. I can't imagine the guilt she feels

[@percyastronautstatus.8780]

Ur cute

[@Ddoglatin]

The title scared me but they make and live like kings

[@SensSword]

I'm bipolar too. Spending that amount of money and blaming it on your illness is a cop-out. There were many, many bad decisions that lead up to the situation. She lacks discipline. Her illness only makes it even more important to be an adult. Her illness isn't holding her back. Her ego is.

[@NicE-jq3wv]

timmd909 I don’t have bipolar...while it isn’t an excuse, it is a condition that can make responsibility harder for her than the average person at certain periods. That can’t be discounted. It sounds like she recognizes it and now and is taking responsibility for it.

[@ariefraiser140]

@NurturingTalents What's your point? We're not talking about low IQ here we're talking about bipolar disorder. If your commenting it should be either to offer advice to help someone or offer support. Snide remarks does nothing for anyone. Not even the commentor.

[@arthrodea]

Bipolar disease can range from more mild, and easily controlled with medications, to very severe. Just because you are able to control your condition doesn’t mean that others are able to as easily or effectively.

[@SensSword]

@NurturingTalents correct. If one has a condition that makes life harder, it's on that individual to get stronger. We all have a cross to bear.

[@ariefraiser140]

@NurturingTalents You appear to be someone who has never dealt with people with mental issues if you believe it's merely a choice. It's an every day struggle to remain on the right path. If it was simply a "choice" as you wrongly believe then why do people with mental issues need medication, mental health professionals, and reinforcement from friends and family to lead a normal functional life?

[@kujjjooo]

Software consultant huh 🤔 got to check it out.

[@Nononowhoawhoawhoa]

Electronic medical records...find yourself an in at your local hospital

[@mle011]

She might be a Salesforce consultant

[@miketheyunggod2534]

Poor rich people. 🙄.

[@adambouchater80]

They can come back on truck without selling the rental property. With $280k income.

[@Ali-ws6mu]

People are crazy. If i made 280k a year I would be a millionaire in 5 years with a paid off house.

[@haleytruslow7200]

Right? I make $40k and I’m doing well.. if I made $280k I’d be a queen

[@Somuchcooleronline1]

You should have a talk with whoever keeps making these clickbait titles, Dave. They make you look bad.

[@peekinghills2450]

"280k household income" It doesn't seem as bad as the title makes it seem 😆 They can get out of this

[@NicE-jq3wv]

peekinghills Not if they live in California. The taxes will eat a whole lot of that up.

[@Natalia-oj6mm]

Dave is low key a therapist.

[@SoCalFreelance]

Blowing $200K on consumer spending would be amazing, I can only imagine.

[@elmagnificodep]

She should double down and reduce the cost of her current residence. Her mortgage seems a little high. How much did she originally take out? My wife and I took out roughly $165,000 and $103,000 and we make $120,000 a year. The $103,000 is on a rental property we own. We make about $500 a month on it.

[@kutie216]

They live in Washington where houses are very expensive!

[@elmagnificodep]

Kim D It depends on where in Washington. Are they in Seattle or a small town. You can find expensive and cheap houses anywhere. They can obviously get houses for $400,000 or possibly less.

[@nextari]

Why is the question of the house possibly being a valuable income earning property not assessed once it's determined they have huge income? It's very costly to buy/sell a home, lots of equity lost in that deal.

[@Wall2000x]

She really doesn't listen, it wasn't "we" it sounds like "she" did it all herself. Hope she stays married and is on her meds.

[@c103110a]

I try to spend as LITTLE as possible each month. Of course, I'm a single white male and don't have to remodel after each HGTV episode. I'm retired at 54 with zero debt. Can I run out and pay cash for the latest electronic gizmo or SUV/Crossover, yes I can. I'm very happy with my life and that's the difference between me and someone who's 200K-300K in debt at my age. Take a hike folks - it's free !

[@NickPeitsch]

How did her husband not help prevent this? Hard to blame is solely on her disorder...

[@joslinnick]

My mom had a lot of problems, and my dad was just checked out the whole time. He didn't want to have to acknowledge or do anything about it.

[@hmrobert7016]

Thelondonbadger Thanks for the stereotypes and broad assumptions

[@hymnodyhands]

He could not prevent her disorder, and it is not that easy to get a grip on the symptoms in someone else.

[@PassportBrosBusinessClass]

I am $22 trillion in debt and my kids are $1.5 trillion in student loan debt. Please help.

[@Phantom-darkness]

Hello USA my advice is to keep spending in deficit into perpetuity then print more money to increase the volume but devalues all the labor of your people by making each dollar in their pocket worth less and less. Have a bunch candidates blow hot air about it but continue on the spend spend spend train! Way to be. Long as you stay the worlds reserve currency and can sell worthless paper wealth you’re a ok. lol.

[@NomastiAfricanWarlord]

Have the whole country on beans and rice. Everybody sells their car.

[@jordankraemer9876]

I have Bi Polar disorder and I can totally see making a mistake like this haha

[@megantaur3683]

The good thing about my manic phase is i got OCD with the budgeting after attending to FPU. If I do go back to being an impulsive shopper, my husband is there to restrain me lol

[@julieludwig8927]

Learn to restrain yourself. It's not your husband's responsibility.....it's yours.

[@hymnodyhands]

@@julieludwig8927 People do sometimes need help and support... one of the things about bipolar is that your mind can take all learning and blow it out of the way. Having backup is important... and the point of being married is sharing responsibility in doing life.

[@imetaboyiusedtoknow8308]

Her husband is not her father, he expects her to walk beside him as an adult. I suspect she will continue her wild ways and not take any responsibility. Hubby should get out now

[@jaked1902]

“I just wanted to say that I miss you, and I love you waaahhhhhhhhhhhhhhh”

[@journey2zee]

Dave’s face in this thumbnail is everything 😂

[@uptoyouThailand]

After the mania, the depression will ensue. After listening to her even I want to go jump off a cliff. I hope she makes it through this.

[@Wildledroses]

As a person who's bipolar its like being two different people, with little episodes of clarity in between. Mine is very severe, but its definitely something you can over come and control.

[@eckankar7756]

The depression phase and the regret for the spending (or other risky manic behavior). then the cycle resumes and they are back in mania spending to make up for the period of regret. I wonder truly how many of these callers Dave gets are undiagnosed bipolar.

[@pawsnotclaws2772]

Why are high income earners so bad with money

[@dexterm1285]

Its easy to be bad with money when you have alot of it coming in so many dont think about it I guess.

[@mangoryder7139]

I don’t buy this excuse.. my obesity forces me to overeat 🤣

[@TheNewburyTribe]

Dave I'm debt free but it's hard to stay debt free when I'm having credit cards thrown at me from the bank and I need to take credit out in order to get credit up, to buy my house. Is there any hypnotherapy I can have to take away the craving to spend all the time 😩 it's hard to practise the art of waiting when I can have it Now

[@ianmowbray3284]

Did she just say that there on$280.000 ? Who the doctor or lawyer!!!! And her Husband was asleep at the wheel

[@colin1818]

The numbers are big, but as long as they can maintain that income they'll be fine. I didn't hear an equity number on their primary residence, but it's possible that they could downsize house and really clean this up very very fast.

[@666dynomax]

what the heck does it take to be a fpu coordinator???

[@stevehargis6880]

He didn't look like it was an honor to speak to her, haha

[@KnifeCrazzzzy]

Ok so what about the people with bi-polar who can’t afford health care?

[@InOrlando]

I wonder what software she was referring to. Anyone has any idea?

[@pinkyTekey333]

These comments are why people hide their illnesses.

[@NoCatStrangling]

Huh. Way too many people hide behind a "mental illness" label when they are just LAZY and WEAK. That woman is just refusing to take responsibility for her actions. Did you hear how she kepts saying, "WE didn't do this, WE dropped the ball"? Uh, NO. YOU ran up those bills, and you didn't do it in your sleep, Yes, her husband should have been keeping better tabs on the finance and put the brakes on her after the first 5K flew out the door. But the whole thing is HER fault--and she isn't admitting it. Dave's 100% wrong on this "oh, the bipolar done made you do it, hun!" mindset of his

[@hmrobert7016]

TheWhisperNotHeard Go get super high on Ritalin (that would be an artificial mania) and try to make rational decisions. That’s her natural, uncontrollable mental state during an episode.

[@patwhite8106]

@@NoCatStrangling you just proved his point. Please educate yourself on this subject

[@jasonsaeger]

Thewhisperernotheard - right on brother! Go to the 3:50 mark and that explains it all. I wonder if this could make a great excuse in court when you kill somebody, “Your honor, I‘m manic depressive I can’t be held responsible for my actions!”

[@hmrobert7016]

Jason S You’ve never heard of the insanity defence?

[@iamlsusam]

That’s an insult to everyone who has bipolar disorder to blame it on the disorder!!!!

[@alicialandry7857]

iamlsusam not really- chronic overspending is a noted symptom of BPD type 1

[@pwners4u]

That’s like saying someone over cleaning when they have OCD isn’t because of their mental disorder. She gets manic episodes that she can’t control and becomes highly depressed afterwards. If she wasn’t diagnosed and claimed mania because of bipolar then it would’ve be an insult to them but she is one of them

[@turtleanton6539]

​@@alicialandry7857indeed😊

[@jamesl.7725]

Holy moly.

[@rositahl]

Sounds very doable, they will be fine in no time if they stick to the steps.

[@patandbrandi]

plan 15% for tax (capital gains) on the sale of the rental house

[@mikeekim007007]

Sounds like a cop out to me. Husband needs to lock down the books, and give her access to only a small amount.

[@wanefelicia8779]

Exactly

[@ret4kind]

Or she can just learn self-discipline.

[@rebeccashields9626]

Liliy White bipolar disorder isn’t just “self control.” It’s a real mental illness that cycles between manic and depressive states. Absolutely the husband should control the books and give her an allowance, and she should follow a strict regimen with her meds and counseling. But saying it’s just a matter of self control is silly.

[@ret4kind]

@@rebeccashields9626 What's silly is a grown adult using "bipolar disorder" as an excuse when she did it because it makes her feel good. And feeling good and self-discipline work in opposite directions. The best thing for him is to divorce her because you can't fix silliness.

[@rebeccashields9626]

Liliy White do you know anyone with “bipolar disorder?” The fact you put it in quotes makes me think you don’t think it’s real. Consider yourself lucky you have the ability to think it’s not real because for the people with it, their families, and the healthcare providers who take care of them it is very real and can be debilitating without treatment.

[@ayo_k32]

At least she's reasonable.

[@ErrorPagenotFound-ig1cy]

Got nobody else to blame, created an alter ego, THEN blamed the alter ego🤦🏻‍♂️🤦🏻‍♂️🤦🏻‍♂️

[@hmrobert7016]

What alter ego? Do you know the first thing about BP, Dr Ganern?

[@001SpecialAgent]

She's making it out to be a bit worse than it is, probably because of depression due to her illness. Hope for the best of them, but husband probably let this happen because he wasn't that alarmed about it. With us deep into Ramsey stuff we would be, but he was working hard making the right general moves if you know what I mean. But having such major equity on that rental house and being totally on track, they have nothing to worry about

[@craiginzana]

I want to hear this same episode with someone that doesn't make $100k+ a year.

[@ramonuy5567]

Feel good to spend MONEY

[@astronautfox8547]

I started spending a ton of money on clothes, takeout, you name it. Ended up with 8k on credit cards after being so close to paying them off. I'm a single mom on one income. Had no clue what was going on and had other symptoms. Finally I was diagnosed with bipolar 2. Emotionally I'm angry. But I'm down to 4k in credit cards, $700 on my 401k loan. Then on to my car loan. I realize my symptoms now and work hard to control it. I get a bump now and then but nothing like it was. I feel for her. It's super tough.

[@wread1982]

They should of spent all that money on a small, mid and large cap index fund and a few good blue chip stocks like home depot, Costco, target 🎯

[@rogerb7662]

What was an FPU coordinator doing with credit cards? Seems like somebody wasn’t practicing what they were preaching. If all of the credit accounts were closed like they should be to be an FPU Coordinator then it is hard to get in such a large hole.

[@herbiehusker1889]

Why does Dave always blame a husband for his wife's spending, but when a husband overspends, it's all his fault. He has this double standard where men are responsible and women are just the victim, this isn't helpful.

[@dcamnc1]

Is this a repost? It seems like I heard this one the other day.

[@yellowtrain3161]

You made a lot of money....meaning that someone saw it fit to put you in charge of something worthy of earning a good income. Which, is twisted.......I feel sorry for the people who have had to work under you and or with you, and I can only imagine the damage YOU have caused to others. Seriously makes me SICK!!! I can’t imagine making $280k a year, and I try extremely hard to keep my mind straight while working with pennies!! I don’t feel sorry for this lady or her situation. She is wreck less and dangerous.

[@ronwhiteleo3352]

He can't baby sit this woman 24/7... .sell the house, get back to the fundamentals that are taught in FPU.. .

[@wmurray003]

"Yeeah, Ok... alright yeah..::rubsherback:: ..so, where was your husband?" ...buhahhha.. I can't with you Ramsey!

[@dc4me44]

Good question Dave where was the husband in that situation? She made a mistake but he should have been vigilant and ask questions. Accountability and all that. Doesn't mean he becomes controlling they should just be responsible adults

[@catherine380]

Cami Exactly. She spent over $200k in credit cards, and he just “wasn’t really paying attention”? Doesn’t sound like a very attentive husband and it seems he wasn’t there for her when she needed him the most. What a shame.

[@MoD3RnHD]

Where is the eye roll emoji when I need it

[@yellowtrain3161]

WOW!!! My disorder just causes me to sleep a lot......it’s called depression!!

[@dawnt5587]

Excuses. Everybody’s got one.

[@christopherpaige406]

B.S. all the way around.

[@teebone2157]

imagine if they lived below their means. They would be millionaires in no time. I dont understand how people can earn a great sum and think they have ot have a luxury car and mansion. I know a guy that makes 110k a month and he drives a Kia and lives in a cul de sac. the most expensive thing he owns is a apple watch lol

[@Aznmf]

Why apple? He could have settled for a 100 dollar casio...lol

[@domingocavazos]

Get rid of your debit cards and have your husband give you an allowance since you can't control your spending.

[@JewelBlueIbanez]

“Go spending like a crazy person”. Ouch. A bit insensitive.

[@Bonanzoo]

JewelBlueIbanez Yeah, I agree. That was a bit much. She could say the same about Dave. At least she didn’t take the easy way out through bankruptcy.

[@inthevault9603]

Oh lord, calm down, it’s just an expression. Oh, he also said, walking with a limp and I walk with a limp, so should I be offended?! 😜❄️

[@shachede6828]

they have zero problem. click bait

[@je8z6x]

Its not business investment, its the mania

[@craigslistrro709]

Rich people problems...

[@eckankar7756]

I wonder how many of Dave's callers are undiagnosed bipolar?

[@tymom9313]

American express ads! Lol

[@ligbzd837]

The "need" to spend is a psychological issue. This has something to do with a sense of not being fulfilled. She needs to find a hobby or a cause that is about 'giving' to others in order to fulfill that "need". Shopping or spending, which is about 'self' ain't going to fix it... If we receive more than we give, we will be out of balance. If we are only thinking about ourselves, we will be out of balance. When we become balanced, we become better people. All things in life must be balanced in order to function.

[@nararabbit1]

BP people can easily get addicted to spending on other people which makes it easier to justify spending sprees when their brain is sick. It is true that thinking of others can help but if your brain is so chemically unbalanced then anything can become addictive, which is why a lifetime on medication is required to have a stable life.

[@tjames2376]

I feel this caller all the way , I dig myself n jump back in ,dig myself out n jump back in and I know the principals imagine someone who doesn’t make six figures going thru this ,thank you caller I’m woke 💵

[@barbieblue3336]

Sell stuff.

[@jeffkline9191]

Husbands fault. Go figure.

[@pants8029]

I was diagnosed with bipolar disorder in 1992, but I've never used it as an excuse.I paid off my mortgage and all my debt this year.

[@1yasin6]

it isn't the same with everyone. sure you shouldn't use it as an excuse and don't try to work on your behavior. But different people have different symptoms

[@hmrobert7016]

She’s paying off her debt and managing her condition. Where is this “excuse”??

[@michaelmarquez6133]

Omg of course its the husband's fault he wasn't paying attention 🙄 and my eyes he's the victim I mean she says they were teaching the FPU class right so she's all acting normal and out of nowhere spend thousands and thousands of dollars and then says I was depressed after she got busted but yet that big bad guy I mean husband he's the one to blame he has to sell his how's that he was making money off of every month but he's the one to blame