Over $90,000 In Credit Card Debt And Suffering From Depression

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[@MissJ000]

Praying for him. Depression and job loss is a terrible combo. Hope he gets through this

[@leadnsteel1428]

Job loss and 90k in debt is bad. I had a time where i was at rock bottom with debt and lack of savings but now im much better. you just got to go out and find something you like

[@mr.grillo3385]

yes it is. I've had both

[@JustinNgim]

Praying for the man.

[@ssimon64]

Yeah that's a tough one, been there.

[@matte4123]

praying doesnt help.

[@InvestingHustler]

Having 90k in credit card debt will definitely cause depression 😰 Wish you nothing but the best !

[@KnockoutInvesting]

And over 15% interest rates smh.

[@dwilliams8002]

After hearing this man story I will be doing everything I can to get out of debt FAST! because we never know which way life is going to take us.

[@tarawalton6778]

SO TRUE! AMEN!

[@HurricaneGaming509]

You can get out of debt and build a savings at the same time. Read the book called "The Richest Man In Babylon"

[@caroleehubbard8380]

Good idea!

[@zolozek3327]

Rice and beans rice and beans

[@YTJasonNguyen]

How are you going with it D? Hope you’ve made progress.

[@Shark511151]

Delivering pizzas and Ubering. That's exactly what I'm doing at the moment.

[@dogan6070]

You're a smart man

[@dogan6070]

Playa

[@Joukno26]

Good job brotha

[@philos_theos]

Keep it up man

[@Mr.Legend_Speaks]

I’m working at Best Buy as a part time on the weekends (they pay well compared to other retails). And on my main job, doing lots of overtime.

[@jacobfleener8501]

This is why i like Ramsey hes in it to actually help people. Not just take their money

[@jjayguy23]

Yep, that’s a God fearing man.

[@chartuck]

@@jjayguy23 lol whut? Are you saying there is a correlation between helping people without taking their money AND being a god fearing man? That's stupid.

[@jjayguy23]

@@chartuck i hope you're being sarcastic, cuz yea, I was.

[@chartuck]

@@jjayguy23 My bad, didn't realize you were being sarcastic. I was as well.

[@jjayguy23]

@@chartuck no, i meant i was being serious! and that i hope you were being sarcastic!!! LOL!!!

[@lovekindness5637]

This is for anyone out there misusing credit card horribly and not thinking. Stop immediately and start saving money. Job loss and depression and anxiety happens to anyone.

[@inthevault9603]

Coronavirus: knock, knock

[@isamarquez1654]

K thx 🙄

[@AndreaLKL72]

He is young! My mom started a new career at 50! Ton of jobs out there you GOT THIS!!!!

[@JustinNgim]

Amen!

[@Kimun888]

May i know what career she has? Thanks

[@cgasucks]

You're never too old to start a business. Col. Sanders didn't start KFC until he was 62.

[@prepordietryin9119]

@@cgasucks yea and he was suicidal right up to before he founded KFC I believe because he was so broke. Luckily things changed around for him

[@inthevault9603]

July 2020: 43 million people are unemployed 🙄

[@TheTurdballs420]

Hopefully this video is a cautionary tell for people. 7 years feast 7 years famine. When the good times are around pay off all your debts and save/invest everything you can. 15 years at the same place and now out on the street. Nothing is a sure thing anymore.

[@jessicaqu]

Jim Smith always save for rainy days!

[@minimalist_monk]

great comment 💯

[@YouTubeUzername]

Jim Smith what happened? How are you now?

[@inthevault9603]

I totally agree. I still have a career in/through the pandemic and though it’s not perfect I’ve never been so grateful to have an income along with some bonus $ coming in, so I’ve been making a conscientious effort to pay off as much of the principal on my auto loan until my credit score goes up a bit more and then I’m going to refinance it.

[@rorycalhoun6484]

it's "cautionary TALE"..... he's not playing poker. 🙄

[@andrewmartin6404]

exercise is the best thing for depression along with a healthy diet. i know from experience

[@Musicienne-DAB1995]

Great point.

[@pw5146]

Retail jobs have no loyalty to their employees. None. I used to work in retail & the store manager fired a cashier who'd worked there for 10 years, knew all her customers, and literally was so positive everyday. All because a customer who had about $2 left on his store credit gift card gave it to her to keep & she purchased a drink with it. Fired her on the spot with no warning.

[@unleashdogscom]

probably the best thing for her, onwards and upwards

[@AC-qo8oq]

Omg! 😱😢 That’s so messed up!

[@imahustla5029]

Right it's like walking on egg shells everyday one little false move and your gone

[@peartfaldo]

They do that to hire someone new in at a lower pay rate. that manager's boss was telling him to look for anything to get rid of her. always a money thing. its BS

[@asphaltandtacos]

This is so sad. Corporate does all sorts of all bad things and makes money off of us.

[@andrewtoth9403]

The hilarious part of this video is that Dave's advice was better than what you'd get from most therapists for several thousand dollars.

[@ChrisInvests]

Does anyone else find these situations sad? ☹️

[@samanthalake5011]

No

[@chartuck]

He did this to himself. I don't find it that sad. But, also, why do these credit card companies keep giving credit cards to people that will never pay back their debts?

[@carojames6776]

YES!!

[@mavsman7449]

No

[@bjornarmar2462]

Sad, but hopeful.

[@micahbaylor6608]

Wow, Dave kinda hit my heart strings the way he handled that. So much respect for an illness that not all backwood boy’s from Tennessee would respect. Appreciate the example!

[@snbi7518]

I feel bad for the guy. Mental depression is no joke especially after a job loss. 😢 hope he can pull himself back up again

[@beckymigdal5650]

Alan - The Wealth Learner it very depressing for a male as men identify their value by a job

[@browneyedgirl4285]

I know!!!!! I have suffered badly from depression

[@diyswithangie7377]

YOU'RE GOING TO MAKE IT JOHN....🤗

[@KnockoutInvesting]

Angela Drewey nah he probably took his own life by now

[@diyswithangie7377]

@@KnockoutInvesting Hope not🙏

[@hkmamacmd428]

Who takes joy and makes fun of someone else’s misfortune? You trolls need to find a job and be useful for once.

[@aryavbharali4298]

@@KnockoutInvesting wow...

[@Emma_madison]

@@KnockoutInvesting why are you saying that

[@Bestfriend-650]

In 2013 I lost my job and had about 50k plus student loan. Can’t describe the stress in words. Thankfully I had some money saved which helped me keep current on my loan payments and survive barely, thankfully I found job in few months and now fast forward totally debt free and have 50k saved in bank account and hopefully buy a house when I have enough saved to put as a down payment. Stay strong brother, don’t lose hope. I am sure you will get out of this mess.

[@Aristaifly]

Great that Dave took time to show compassion! John, get back to your feet, you can do this!

[@paulaboynton8299]

He is so lucky to have his dad. Put a hold on all the credit cards. Work at McDonalds. He's young. I've had to restart at age 62. It can be done. I also suffer from depression, I know what I'm talking about. Best of luck.

[@Rmando]

Paula Boynton respect to you man. Doesn’t use age as an excuse.

[@DJ239]

Wow! Restarting at 62? That's impressive man, I always feel like all hope is lost after I turn 50 and am not financially well off. Gives me a lot of hope.

[@debbie7771]

I like that you gave him simple, specific and doable first steps to physically take to hopefully pull himself up. It’s so hard to know what to do that we just sit home in fear and worry and it only gets worse.

[@alexbarrett190]

Dave did great on this one. He never once made him feel bad. I loved the conversation in this little 7 minutes he just changed this mans life and the thousands of listeners just like him.

[@KayleeCee]

Poor guy. Depression can be really difficult. It's like you know that things need to be done, but finding the willpower and energy to get things done is really hard when you're depressed.

[@BrandonYoung]

Yeah depression is no joke . I’m absolutely sorry that this guy is going through this . But I’m absolutely sure that he will be able to get back on his feet !

[@jeanlenor1858]

He s not doing anything to get back on his feet. At least not enough. Are you going to pull him back on his feet? He could be making 400 a week driving 30hrs doing Ubereats.

[@sweet_southern_gal]

God bless this man. My heartbreaks for him because Depression is hard and it hurts.

[@makoa143ify]

This call was probably a life or death situation. You answered him so well. My uncle was in the same situation and he committed suicide 4 months ago. 💔

[@smlorrin]

Very good point. I'm so sorry about your uncle.

[@kellyegeline9823]

I’m very sorry for your loss.

[@shawnd.8498]

I hope you are better these days.

[@makoa143ify]

Shawn D. Yes, thanks for asking.

[@nryanmusic]

no. life or death is going through this and not having any family to turn to

[@mr.grillo3385]

this hit me in the feels. I'm depressed, bad anxiety/panic attacks and have a job I hate that barely gets me, my wife and our 2 kids by. she's a stay at home mom so everything is on me. every day is a mental uphill battle.

[@ittakesavillage5461]

SVT Whines I hope this program helps you and your family.

[@mr.grillo3385]

@@ittakesavillage5461 thanks man. you have no idea how much your 1 comment means to me. I really appreciate that.

[@smlorrin]

So sorry that things are so bad. I hope as your children get older your wife will be able to get back in the workforce so some of the pressure is taken off of you. It sounds as though you're close to the breaking point... Please don't give up!

[@back2the80s]

should not be a stay at home mom when you cant afford. She has to work

[@sarahb331]

I’ve suffered from depression my entire life as far back as I can remember at 9yrs old. I’ve had multiple traumas that have happened and I never sought the counseling that I need. Until I started listening to Dave and John. I realized that why yes I have this illness and the cause was out of my control, how I handled it and if I sought counseling or not was up to me. Once I realized that it’s my responsibility to take care of it myself is when my world changed. I got out of the victim mentality and got into survivor mentality. Now I feel better than I ever have and I don’t feel overwhelmed taking on my debt and other life issues.

[@ALXSSA]

Sending prayers his way 😓🙏🏾🙏🏾

[@user-to1kq6vq1o]

ALXSSA he needs an income not prayers

[@nikkole9951]

I 100% agree with Dave about the exercise thing. I was deeply depressed then started going to the gym and lost weight. My depression was cured. I hope everything works out for this guy. It’s true. Gotta keep yourself busy. Idle hands and depression do not go well together.

[@gregorypaine513]

THANK U SPOT ON ADVICE. MANY PEOPLE HAVE DEPRESSION!

[@briannacollie2742]

I use to go through what he went through as far as depression. My best advice is to give your depression to God. It was the best decision I ever made. Also, you got to stop beating yourself up about your situation. Dave Ramsey and other success stories are physical proof that you can get rid of debt. Get out of that negative mindset because it's holding you captive. You have to fight for your happiness and your life.

[@DevD750]

Amen!!!

[@minimalist_monk]

amen!

[@Tuxster3]

Give your depression to God? What if the person is an atheist?

[@melancholymartialarts7095]

Lol what a waste of advice. We need practical advice

[@wondermuffin597]

I wished I found Dave earlier. Depression or periods of sadness hits everybody. When I graduated from college, I was so depressed that I couldn’t find work. Had no confidence. I wished I had Dave speak truth in my life. Hope this man got out of this rut.

[@scottanderson691]

Some of the best advice for people with depression I've ever heard.

[@2p4dr32]

I grew up living in financial turmoil. As a kid I saw the people around me suffering with money issues. It really helped shape me into a financially responsible person. This channel is just reinforces the things I grew up learning.

[@sarishryack6545]

Wow, what a compassionate answer. I love tough Dave as much as the next guy but this was such a great response. 🙌🙏💕 Praying for you John.

[@spookycat2679]

I can tell Dave has been depressed. This is the best advice, and what I did after I went through yet another jobless depressive episode.

[@rsafree1139]

Just because he knows those simple steps means he’s been depressed before? Not saying he hasn’t, but anybody could know those somewhat common sense steps

[@jesussavesgodislove9106]

I am at a total loss I am in so much debt. What started as something fun has now ruined my life. I never thought this would happen to me. I have had suicidal thoughts but if I have life insurance my family would not get it because it was a suicide. I am in such a bad place. PLEASE PRAY FOR ME.

[@jackiemichaels1162]

Depression is terrible! Papa Dave, excellent advice and thank you for helping a brother so wonderfully.

[@elidvenega3017]

I went throught a tough depression not long ago I pray and gave it time and feel better trust God and give it time.

[@jjayguy23]

I play gospel music in my car, it’s constant praise for God. It helps me get through rough times.

[@elidvenega3017]

@@jjayguy23 I just started listening to K love

[@mariejones7136]

Where is he getting money for a psychiatrist...

[@PrinceGale]

You handled this call flawlessly Dave. Hoping the best for John

[@sabrinay9430]

I know a guy at my job that has been there for almost 20 years and he just raves about how much he loves that company. I am like I hope he has been saving his money because there is no loyalty anymore. But judging by his expensive taste I doubt it.

[@Maxdouble07]

Man I wish they had a update report on some of these folks. I hope he finally made it.

[@nebulonv2881]

this is actually one of the best Dave Ramsey vids I've ever seen, and I've seen just about all of them. Well spake Dave, you're very insightful for folks walking the knife edge

[@hollyb6885]

I hope all turned out well for this guy.

[@TripleBlsdNHlyFvrd]

For all of you experts that feel "You're Exempt" from setbacks, hitting rock bottom, or having "Murphy" to visit your doorstep, keep living. Wake-up call.......YOU'RE NOT EXEMPT!!! Stop being judgemental and harsh in your opinion on what you feel this person coulda, shoulda, and woulda done. Even Dave says it himself that there's usually serious life changing events that take place in our lives every 10 years or so. Job loss, death of loved one's, accidents, medical issues, downsizing, etc... happens to us all or those we know. Depression is very serious and has literally taken lives and caused irrational behaviors and decisions. Most of us who are not depressed have made irrational decisions and will continue making them. I pray nothing but the best begins to happen for this man and thank Dave for his service. Believe it or not, You negative people will probably remember this caller once you're placed into a position to either humble yourself or be humbled. THINK ON THAT!!! *Love and blessings to you all*

[@wisfanatic]

The daily exercise regime is such a powerful recommendation, i hope the caller follows the advice.

[@peartfaldo]

walking is the best and its free......

[@edjoseph4922]

I love the Ramsey community. If this was a random post on FB or Twitter or IG there would be a ton of negative comments and thumbs downs. All positivity in the comment section here!! I hope he followed Daves advice and checks back in so we see he’s doing better.

[@CM_00]

One of my favorite calls- we need an update on John!

[@Kait__d]

He can get through it.. I’m praying for him! Dave is the sweetest. ❤️

[@charizard9735]

Dave doesn't just give great financial advice but he also gives great life advice too.

[@scoutisabelle]

That was some great caring and compassionate advice. Dave's awesome.

[@mcmic1212]

Great advice! God bless the caller, this is possible to overcome.

[@glennodell4003]

Again , thank you, for recognizing depression as a real condition, or just listening.

[@alv2601]

Depression is real! As much as you want to wake up each day to conquer your issues persisting lingering deep down issues persist. Dave Ramsey makes some good points to help get over it.

[@nox5282]

Dave I’m impressed, you gave spot on advice and treated it like the serious mental issue it is.

[@MsGechi77]

This was amazing advice and realistic. Thanks 🌸

[@Peepsyx3]

Dave is giving everyone words of wisdom, my goodness.

[@crazy3rdgen]

Hes right on the exercise. I feel it is one of the keys to success. You'll get that energy and mental focus back.

[@bobbymarm9978]

Great advice - good luck man, keep on track, don't let these hurdles drag you down

[@AnnMitt]

He needs a job fast. There are tons of jobs. Start off as a baseline worker, then work your way up to assistant manager.

[@JustinNgim]

Amen!

[@malvanlondon8683]

That was a great video with compassion and good advice.

[@hongpingmike]

people dont understand.. depression is real. lack of money causes depression which causes lack of energy or motivation to find a job to make money to pay the debt........ deadly spiral.

[@longranger5226]

Wow! Dave, that was fantastic advice!

[@abranmoya00]

Solid advice Dave!

[@dpborn2721]

I just want to say thank you to everyone who shares their stories like this guy. I listen to every single one and I feel really sorry for the people going through hard times, but it reminds me that none of us are invisible and can find ourselves in this guys shoes. Remember to be grateful for everything I have and everyone in my life. Stay on my path of no debt except my house and pray if things implode that I’ll be ok.

[@realsafetysquad]

Dave is the man. I am in a good shape financially because of his advice (working on step 3!) I love how his advice he gives to this man really can be applied to anyone!

[@Solostar9]

This was a big help. Thanks Dave!

[@septembersapphire347]

I'm $17,000 in credit card debt and feel like it might as well be 17 million.

[@kelseykjarsgaard5774]

Right

[@mirianadimitrova2112]

That was actually great advice! It`s very hard to pull yourself out of a rut when you`re depressed.

[@countdown2xstacy]

Yes, not easy at all

[@lenas5613]

Dave is very compassionate This man needs more than financial help.

[@shelleystapleton525]

Dave's advice is spot on. That's exactly the steps I took and I am working both at home and outside of the home now, 2 jobs. I haven't worked outside of the home in 5 years. Also I love his empathy.

[@katerinakassiotes8983]

I’m on the same boat. I lost my job 3 months ago and I’ve been applying for jobs and I get no response. I saved up 4K in my emergency fund but it’s all gone now and I have about 1k worth of expenses every month and I’m really struggling. Please can someone pray for me that I find a job ASAP :(

[@kimjong-un5562]

Maybe go to a temp and get a warehouse or assembly job .

[@katerinakassiotes8983]

@@kimjong-un5562 ive applied at temp jobs. Hopefully i get a response back soon

[@DanThaManOhNo]

Can you do Ridesharing or Food Delivery?

[@Thejoemega]

Did you get a job?

[@moonaj89]

Dave handled this so well. I may not agree with everything he says and that's fine.... These are the types of calls that make me appreciate him so much

[@cathhl2440]

He needs a community to support him. He really needs a family.

[@taml754]

Thank you - for acknowledging that mental health issues have a huge effect on productivity and general existence. Its not just about money - but living your best life and creating your best self

[@cherrytung]

Not PC at all, but I'm prob suffer in depression too if I had $90K in Credit Card Debt... Just hearing this story gave me so much anxiety...

[@jjayguy23]

The interest is the worst.

[@cherrytung]

@@jjayguy23 yea... and 90K is seriously no joke... I'd do whatever it takes. like work over 100 hours a week to get it paid off!

[@jjayguy23]

​@@cherrytung I'd probably go bankrupt.

[@rbarzola7756]

Ramsey you Speak Life to people. I love speaking life too. The power of the tongue!!

[@josefrootgum]

In dire situations like this, baby steps are giant leaps

[@Foxie770]

Dave gives great advice. He’s like the dad I never had!

[@LalienX]

Thank you so much. Was getting to a dark place with my debt and depression.

[@wufflemann]

Such kindness. Wish him well.

[@sourabh5340]

May god bless this guy and help him and give him strength to come out of his mess.

[@Madi4321]

Good advice. Thank you, Dave, for being kind. The Texas advice + exercise was good.

[@countdown2xstacy]

Yes, he’s so right about exercising. Definitely helps the mind, body and soul

[@randy944]

If you're depressed do not watch the news.

[@blacksmith0316]

Great advice. Particularly now. The news is not only dishonest, but it is also based strictly on emotions.

[@peartfaldo]

@@blacksmith0316 AND its on purpose and allowed to happen. Gee....wonder why......

[@geo865833]

Especially not now...

[@maggiemay5618]

Dave is si kind. Love him

[@gehmangang8006]

Good advice!!

[@freeman7079]

This was excellent advice.

[@Birkinbag09]

I've suffered with depression my entire life. It made normal things like school and university extremely difficult. Hopefully he will take the necessary steps to help himself get better. Dave Rants always help me feel positive. God bless Dave Ramsey and all of his good work x

[@mistiinseattle]

Praying for this man. Depression does terrible things to a person. Been there, done that. And losing his job on top of it.

[@Umph84]

Great advice.

[@plants4thewin]

Fantastic Advice!!! Pulling for this guy!

[@tazsmine5915]

Praying he gets the help he needs!

[@myfavorites1016]

wow i didnt know this about depression thanks dave , sorry to hear about your caller

[@flaviocamilo8498]

You can do it John , you choose the right path ..

[@Michael-4]

Fabulous advice. So many nuggets of advice. Debt-Income Challenge-Self. It starts with seeing a way out. Hope.

[@smiljaivancevic8256]

Great advice!

[@JTDyer21]

Very good discussion. Depression and discouragement are topics that are terribly over looked in the money game. This is a really bad problem for people who lose their jobs or for students who graduate into a recession. You get to the point where you just give up on the job search. The Great Recession is a classic example. Truth be told many many students students still haven't recovered from the horrible effects of the Great Recession cause they couldn't get work experience in their major after they graduated into that recession. As a result it still hurts their job search today for lack of experience. This has been a horrible problem for me as a grad of the Great Recession even to this day. To be honest I gave up. I am employed but the job has nothing to do with my degree. I just couldn't do it any more so I gave up the job search in my major. I thought accounting would open doors to an awesome career path. Boy was I wrong. Sadly my education did nothing for me. Oh well life goes on.

[@frapeyou]

wow solid advice

[@johnhennessy4422]

wow great call, dave handled it perfectly

[@lavendarj7318]

Thanks Dave... your so right

[@JohnnyB21401]

Great advice! Working out is huge for depressed people. Not expensive to start either. Big mood changer

[@jlg3487]

good solid advice