"Quit Being A Bunch Of Spoiled Brats!"

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[@gl0ck9handy]

When she said she can take on debt because she "Could afford it" she is wrong. If she could afford it she would pay it in cash and not take out a loan 🤷‍♂️

[@TonyCox1351]

“I can afford it” = “I can afford the monthly minimum payment as long as I put some of my living expenses on credit”

[@ghostbird92]

Her statement was like an oxymoron. Completely nonsensical

[@lauren4078]

Yeah, that was one of the most ignorant, idiotic things I've ever heard on this program.

[@BlueDauntless]

I’m surprised Dave didn’t call that out.

[@joelfenner9179]

I think many callers "think" they want to hear the truth until Dave unleashes the fury.

[@blodus4521]

They may "think" they know what he will say and hope to reinforce the decision they've already made.

[@gmarie3053]

Well done to them for calling in anyway. It’s not easy

[@AlEx-hk1pf]

😅😅

[@AlEx-hk1pf]

The truth hurts, but it's still the truth 😅. Making 200k and can't pay daycare, unbelievable. So, what if the parents were not there? I wonder if they have thought about that possibility.

[@shawnmendrek3544]

Truth is better than a harsh lie.

[@mxerb5912]

Imagine owning 90k in toys and wondering if you should sell your home to pay for them 😂

[@Ink30]

I've seen people with 100k worth of car debt in an apartment,ridiculous

[@sciencetypeperson2401]

"Should we sell our one appreciating asset to pay for all of our depreciating assets?" 🤦‍♂️

[@killamixx]

Wow

[@randymillhouse791]

Are we talking Tonka truck, or GI Joe. This is IMPORTANT to define now.

[@joelkaben]

Lmao, crazy stuff.

[@RRAREBEAR]

5:01 Let’s all take a moment to acknowledge Ramsey NAILING their age. That was pure skill. “Are you 28?” “Yes.” 😆

[@samanthaglover4426]

Right. 😂😂😂😂😂 very hilarious moment.

[@cvaldez9981]

😂

[@racheln4309]

Hey! Not all 28 year olds are dumb!

[@costco_pizza]

He absolutely nailed it. You can always tell when they list off all the stupid decisions they make. It’s easy to know their age!!

[@sew_gal7340]

Humans are predictable, rarely are they ever different or unique. we have entire marketing teams to figure out what people want and how they get where they are. it is always the same story old as time.

[@ogreeno9314]

My grandma use to tell me if u can't afford it, don't buy it.

[@randymillhouse791]

So she was buried in a pine box on public land?

[@isay207]

Smart gramma

[@donnafontaine2799]

Yes your grandma is a very smart lady

[@ashleyjones5396]

I tell my son just bc I can afford don’t mean I’m buying it!

[@fueledbymusic3]

It's actually, "If you have to use credit to buy it. You can't afford it"

[@NaNa-lt1po]

This is why dave cannot be replaced

[@pistachiosandpopcorn7146]

“That’s called skinny fat” Lmao I like this lady

[@marcuswashington461]

Perfect example of decent salary and living check to check!! This is America!!

[@michaelhutchings6602]

*This is stupid people

[@MrJimmy3459]

They could be millionaires in 10 years with their salary but debt is killing that dream

[@thomasd5488]

@@MrJimmy3459 Yup, live on $100k per year, and invest $100k in dividend stocks per year. They would be millionaires in 9 years.

[@jbrittsun]

Decent salary?? That income is in the 95th percentile of ALL America, meaning this couple makes more than 95 percent of ALL Americans!! Practically the ENTIRE country makes LESS money than this couple!!

[@mocheen4837]

Easy for her to get out of debt. She will have a great life after age 30.

[@yayyareaa2997]

Just here to hear Dave say “Vee-Hickle”

[@TheBooRad97]

These two are the definition of complacency.

[@amberdelivered6054]

My mamas situation is even crazier. She makes 2k a month and doesn't have a penny saved. She's 58 and lives with relatives. She knows she doesn't make enough but she likes the retail job. It's terrible seeing her like this.

[@9liveslisa]

I love Dave's hard truth. It is what all of us need to hear over and over until we wise up.

[@erikgutierrez3613]

The personalities come and go but none will ever give it to you straight like Dave.

[@jet4415]

Freaking car payments! Get beaters and sell the trailer. And goodness, NO childcare costs! What a blessing.

[@randymillhouse791]

Why did they breed while in debt?

[@jet4415]

@@randymillhouse791 They can’t stop themselves. A kid is like buying a trailer to them.

[@CarlaQuattlebaum]

Those car payments are insane! $700 and $600!!

[@Dubya556]

@@jet4415crazy assumptions you’re making there. Disgusting

[@haleytruslow7200]

Listening to this show makes me feel so much better about myself 😭

[@zimmermanlandscape9287]

Plain and simple fact. I feel better about myself when watching this show. Ikr. My wife’s car needs work and I just think back to when I didn’t have a wife but my car needed work and I was still carrying 25 grand in student loans around with me and had no paid for real estate and five grand in credit card debt. This ministry is amazing.

[@mustangkurt]

I hear ya. The level of financial illiteracy in this country never ceases to amaze me.

[@shawnanderson7858]

"My 600lb Life" is another show that'll make you feel really good about yourself.

[@dutch4117]

It becomes debt porn after awhile.

[@BaconMountainMan]

Same. 😀

[@alexbryant2796]

“Are you 28?” 😂

[@erenguler9620]

MYSTICFLIP literally gave me a fresh start. Before, I was stressed out and exhausted from being turned down from lender to lender. As of now, I'm currently in the phase of purchasing a home. I'm more confident and I feel more secure. I want to extend a very big THANK YOU to Brandon .

[@joeplem5329]

For the life of me I'll never understand why people today refuse to live within their means and are okay working their lives away when you don't have to 😒

[@cutehumor]

My us stocks and my credit card rewards thanks these people!!! I will retire rich 😊

[@the_expidition427]

It is simple. People learn what to spend is in their pocket

[@TonyCox1351]

Because living within your means doesn’t get you a sweet trailer!

[@94sunset196]

It's the decades old 'Keeping up with the Joneses'. They probably have social media accounts and post pictures of their new cars. Or they want to out do their family and friends and post pics of their new vacation home, new boat, new jet skis and so on.

[@randymillhouse791]

Americans are a disturbed lot. Here is one item: "Come on down to XYZ Auto and SAVE!!!!!!!!!!!!!!!" Americans don't even realize there are no good restaurants in the USA. They think the fruit at the store tastes good and they can feed it to their kids. Can't wait to get outta this USA.

[@mariolakaminska1327]

I love Dave, his no bs approach. It’s refreshing because everybody is so soft and whiny.

[@Zodiacarsv]

Not going to lie, but we are actually really proud to have an employee like you as part of the team. The job is done so gracefully and neatly. Very well done, dear MYSTICFLIP . First of all. Thank you for making the work environment so friendly and taking your responsibility seriously and completing the work gracefully! You deserve so much.

[@PurvisTwiggs]

You are not alone but don't sell to pay for a liability. To keep up with rising cost we are beginning to see the equity of our home for what it truly is, Its becoming hard for us seniors not to ask the obvious question: Should we cash in, invest the money, and rent/relocate?

[@PurvisTwiggs]

I know times are uncertain. I and my spouse are working on a ballpark estimate of $5M for retirement, and I have a good 6-figures each loaded up for this, if we sold our house you think we can do it in 5 years at most? I'm nearly 55.

[@bukki07]

@@marcoerrett Very true, people downplay planners role, until burnt by their mistakes. I remember just after my layoff early 2020 amidst covid outbreak, I needed to stay afloat, hence researched for license-fiduciary advsors. Thankfully, I came across someone of practical knowledge, and decades of experience, I liquidated 200k of 325k from my 401(k) it has yielded nearly 1 m after subsequent investments so far.

[@irenatrulove]

can you refer me please

[@bukki07]

Loren Lena Walker is my fiduciary and my dads estate planner responsible for our families portfolio success, lady is advanced and experienced and has a private client base you can confirm her yourself on the internet, regulation and all.

[@bukki07]

@@marcoerrett Well we own a horse ranch out in mexico city with just 7 horses now. I love horse riding. Lol. It is a commission they charge on profits accrued on your account so it is affordable.

[@babagamer9123]

This man spends hundreds of thousands of time just to help us. He helps those in need while also helping us. He always puts a smile on our faces and we should appreciate it. Hats off to Him! I love you dude. Crazy I've never payed attention to the MYSTICFLIP on the internet movement when I say ancestral your a gift to our people

[@KamalaTheClown]

Jade is spot on about being “skinny fat”. My wife and I make the same money, roughly 200k. We own a house that we bought for 180k, two cars paid off, one purchased for 16k brand new and the other purchased brand new for 35k but paid off fully. We have ZERO intention of buying another house or cars at the moment. We have ZERO intention of having debt. The piece of mind is priceless. God forbid our financial situation changes and we are ready for the worst. I can’t imagine having so much debt, even at our income level.

[@zimmermanlandscape9287]

Such a huge difference it makes getting advice straight from the man. I have put 10Gs/mo of blow money into my budget while carrying a house payment around with me before too. He’s really right. If you stop that for like 13 months and pay the house off you can go straight back to it as soon as you want. Or see the value in investing 10Gs/mo and just keep doing that instead. The options are limitless

[@defaultname7685]

Lmaoooo where the fuck did you buy a house for less than 200k? Must be nice buying over a decade ago.

[@Gavin-bp3xx]

Lol. We have the exact same situation except for on 260k $160,000 paid off house 3 cars 8k truck, 8k mustang, and 38k Durango. All paid cash. I didn’t think anyone was nearly as cheap as me.

[@randymillhouse791]

I am right there with you man. Always good to avoid the gonads being stomped on by creditors.

[@zimmermanlandscape9287]

@@Gavin-bp3xx who needs a dresser when you can store clean clothes in a laundry basket lol

[@somyrapoacelli1560]

Jade was right about the ‘Skinny Fat’ I love Watching Jade glad shes part of Ramsey Show

[@luke8838]

Selling off appreciating assets to keep depreciating assets. Yikes

[@JustinCase780]

She's calling from a lounge at Mandalay Bay.

[@merriem24]

😂😂

[@aolvaar8792]

smell margarita?

[@CarnivoreStork]

An $800,000 house in Vegas is a McMansion.

[@Lil-Whiskies]

I was just thinking, that's a lot of house for a couple and a baby. They could have bought a decent house at $400k and had it paid off by now.

[@donnafontaine2799]

People do crazy things .. lmao😅

[@Lourd-Bab]

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 with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.

[@Lourd-Bab]

@PilouBen However, if you do not have access to a professional like Clementina Abate Russo, 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.

[@Lourd-Bab]

@PilouBen Clementina Abate Russo is her name

[@Lourd-Bab]

Lookup with her name on the webpage.

[@Lourd-Bab]

@PilouBen You are welcome .

[@Kittyququmber]

“I think we could?” “Could”and “would” are not the same. They won’t. Impossible. W in her voice. No desperation. No commitment.

[@getinthespace7715]

$200k income and an $800k house. That's probably a $4k a month payment. Plus $70k car debt and the Heloc. Ouch.

[@robr268]

So is the cars the issue or the house payment? Because $1300 isnt killing their over $10k monthly income.

[@ingridburling8731]

I'm floored by this and the numbers. We have under 20K to live off, and we are saving money in the bank - and we are not suffering in our everyday life. With an income of 200K, we would consider ourselves to be rolling in money, so why can't they manage? And why on earth are they living in a house worth 800K? A modestly sized house would be enough.

[@getinthespace7715]

@@robr268, if they are spending $4k a month on their house and probably another $1500-2k/month on cars. Plus a home equity line of credit, plus who knows what sort of other insane expenses. They don't seem to be "in control" of their spending. I'm in a situation where we have been funding my wife's nurse practitioner degree and are in the process of moving out of state. I'm renting a house in one place and a townhouse in another on $150k income. While paying for all this nursing school debt we took on over the last 6 months and everything else in our life. Once my wife starts working this month we will have a combined income over $300k and our living expenses will drop to $1500/month. We'll wipe out all our debt in the first 6 months and we'll be able to bank money fast. We started out 15 years ago on my single income of $36k a year. We understand the value of money and hard work. I would never sign myself up for an $800k mortgage. It's not worth it. I spend over $1500/month on Housing and it feels stupid.

[@getinthespace7715]

@@ingridburling8731, it sounds like complete lunacy. When my wife and I started out 15 years ago we were living on my $36k a year gross income. We've kept that same scarcity mentality which has allowed us to save $250k in retirement. My high-school janitor and his wife who worked at the grocery store bakery retired multi-millionaires when I was in high school. He gave me great advice when I was a kid. I took it to heart. Avoid debt and invest like crazy. Some people don't get it. My wife just graduated with her Nurse Practitioner degree. Our income is skyrocketing this year. Our goal is to be the first in our family to create generational wealth. Setup college funds for our daughter and all our nieces and nephews.

[@diceportz7107]

"We maintain debt because we can afford it"???? Just how much money is that???

[@MrJimmy3459]

translation = we can afford the monthly payments

[@94sunset196]

It's sad. If they invested that money instead, in their twenties, at their salaries they could retire in their mid 50's maybe????? Or earlier??????

[@randymillhouse791]

Too much...

[@patriotdrone9566]

imagine if they had cheap paid for vehicles and invested that 1500 a month in an ETF for the next 20+years, they'd be retired millionaires. Instead they are going to be broke for having ridiculous car payments.

[@robr268]

I don't think that $1300 a month is hurting them too much when they probably taking home over $12,000. They're spending alot of money and mortgage is probably extremely high.

[@patriotdrone9566]

@@robr268Not the point. They are pissing away potentially millions of dollars on stupid insanely high car payments. These type of people keep car payments forever. Its a cycle.

[@robr268]

@patriotdrone9566 I understood the point. They just earn a lot of money. You would think its more debt.

[@goforbroke2]

Bet money, they spend 3k+ a month on Food and Amazon packages. 😂

[@kevinkidneyy]

boring

[@S2gmamoke]

Hey Sherry after taking your advice and getting the 51 point increase to my fico score, Mysticflip claimed my increase came from my car payment balance decreasing which I believe was a lie, hoping I'd not realized the real reason it went down and try the process all over again.....makes me realize these companies really wanna keep us down and indebted to them...am I crazy for thinking this way?

[@jsjskndksjsk5572]

As a Retired combat Marine I want to tell you that as what you are doing is just as important as any warrior on the battlefield. You are waging warfare against these criminals and terrorists on the digital battlefield. You are defending and protecting the most vulnerable of our society against these predators. Keep up the good work MYSTICFLIP on the internet

[@moisesarmando3156]

this gotta be the weirdest YT comment of all time.

[@shawnmendrek3544]

SF

[@shawnmendrek3544]

No it is not. In the military, there are digital soldiers, spiritual warriors, combat warriors and not just in the military of course, we have online heroes all over like hackers.. Heck even prayer warriors. So it is not weird, you just do not understand. Even seen a soldier behind a computer 24/7? Digitial. Protecting your internet, security, fending off cyber attacks.@@moisesarmando3156​

[@oankibenimeskal1623]

Thank you so much MYSTICFLIP for my SBA approval. I understand the terms and conditions of the loan disbursal and will make sure that I return the loan amount in the stipulated timeline. As I have already taken insurance for my new Business that I am planning to open in California LA. My business details and owner details have been submitted in the bank and I will be submitting the further details as well as and when the times comes.

[@v.m.4453]

I laughed so hard when Jade said "skinny fat" Lmao!

[@drn13355]

I remember Vince Vaughn described his body that way once.

[@ji-inroh495]

And there is no state income tax in NV. lol Why do you have a HELOC when you gross $200k a year? 🤦‍♂

[@aolvaar8792]

That's the $200K question. Dave didn't ask, Where did the $70K HELOC go?

[@bich-vanle]

You made a good point. My husband makes over 200k and we don't have any debts except mortgage. We live in LA so our incomes tax is 35% w 50% tax on bonuses. We bought a pre own lexus 40k paying cash. I was feeling extreme pain when we paid it. I would never go back to financing loans crap. We are trying to pay off our mortgage rn.

[@amberbiggs]

Why on earth would they sell the house before selling those cars?

[@blue-wb8yn]

They want to sell the house to pay for their cars?! 😅

[@randymillhouse791]

AGE 28!

[@georgewagner7787]

When I was 28, I wasn't that dumb. I should have bought a house in my neighborhood instead of out of state but who knew that the prices were going to go up so high here

[@linuxsurfer2002]

The team is right - if they sell things and "start fresh" it won't change their lifestyle - and in a few years they will be back in debt at square one. They need to make serious changes. Either get super serious about this debt, as Dave recommended, or sell the cars and trailer, get beater cars, and attack the heloc.

[@randymillhouse791]

Update: They started off ROTTEN.

[@shawnmendrek3544]

mmhm. I learned, just cus you make more doesn't mean to spend more. Easiest way a wealthy person falls into debt.@@randymillhouse791

[@brandonwaddell2583]

The benefit of that suffering cannot be stressed enough. My wife and I started it a little over a year ago and we’re on track to be done with baby step 2 by the end of this year and IT HAS SUCKED. But what it’s also done is changed how we look at money, cause we don’t ever want that go through that suck again

[@jwlsngold5026]

CONGRATS!! Keep up the fight it is so worth it!! 👏 👍

[@bich-vanle]

Hang on tight. My husband and I were there once and we made it to step 6 rn. Keep going bc it will be worth it. 👏!

[@randymillhouse791]

What John Fogarty told his band after album 1 was a moderate success: "I ain't goin' back to the carwash!"

[@brandonwaddell2583]

Thanks y’all 🫡

[@henryancheta6668]

Mr Ramsey has prove himself a sound voice about financial discipline. I really get motivated to prudent money management by listening to him.

[@aysedelibay5353]

first of all.Thank you for making the work environment so friendly and taking your responsibility seriously and completing the work gracefully!You deserve so much.He does what he says he is going to do and his ethics are of the highest quality.MYSTICFLIP

[@mitchellgrand3724]

No way is she going to change. She's a princess and thinks she can buy anything because they earn as much. Husband wants to sell the camper. Bet they used it once !

[@philipgerry5228]

Stop buying until debts are paid.

[@randymillhouse791]

AIRPLANE MOVIE: "There's a SALE AT PENNY'S!"

[@3rddegreeburns494]

They wanted to sell the house, not for a "fresh start" but to get their hands on that cash! Dave didn't tell them what they really wanted to hear. I hope they stick to Dave's plan and truly change their behavior.

[@Shane_Raw]

SO many people need to be watching this video. I can't count how many people I've come across who have decent jobs and struggle to make ends meet, but they make mortgage-like payments on a car loan and other frivolous things

[@kensmart1976]

$70K in vehicle loans is stupid. Any vehicle purchase, including RVs and trailers, should be paid with cash. Otherwise don't buy them. Why don't people understand this?

[@lisacraft9929]

Live in a modest house, drive a reliable used car, skip those trips to Disney., quit ordering food to your door, go to the grocery store and cook your own meals, etc. etc

[@cerebralcaustic]

I know people who did this. Sold the house, paid off the truck, ATVs, dirt bikes and trailer. Used remaining cash as down payment on on another house. Most of their friends thought they were smart for "getting out of debt". I thought they were idiots 🤔

[@user-vg6ym5xy2r]

I love when Dave guesses the caller’s age just by their financial situation.

[@jeanniesabol5410]

Dave and company are so right about so many things. Tried and true principles.

[@michaelgerhardt7130]

So why would you sell your biggest asset to pay off debt? If the house is worth 800k and goes up a measly 2% a year, that is almost of 50k in 3 years of appreciation. I know you dont see it until you sell but if you sell and rent, you’ll spend 30-40k a year in rental income and have no tax benefits, and the only equity payments you’ll be making will be will be for your landlord each time you pay your rent and he/she pays their mortgage. This is poor man’s logic.

[@randymillhouse791]

AGE 28!

[@frozentundra7446]

@@randymillhouse791 Agreed!

[@Cristobal8605]

A house is not an asset though

[@michaelgerhardt7130]

@@Cristobal8605 if you think that your doing something wrong

[@Cristobal8605]

@@michaelgerhardt7130 an asset provides income, a house takes it away. You think cars are assets too, don’t you?

[@ShelleySorenson]

Wise saying, "If you can't afford to save up the money to buy it, you can't afford the loan."

[@too-da-loo]

Perfect example of people spending so much on vehicles and toys.

[@zimmermanlandscape9287]

Post Malone moves to Utah. Silicon Valley workers have to ride the bus into San Jose for their jobs.

[@mocheen4837]

I see people making a lot less that drive new Dodge Challengers and Chargers who do not own a home.

[@kevinsamson1693]

@@mocheen4837the scatpack and hellcat challengers and chargers are not gonna be in production after 2024 so Its their only opportunity to get it

[@TonyCox1351]

@@kevinsamson1693here’s an opportunity for them: just don’t get it

[@zimmermanlandscape9287]

@@mocheen4837 they literally spend more on the car than the landlord spent on the house they rent

[@ONLY1KUDWE]

I live how Dave tells it like it is.

[@WarriorsPhoto]

The skinny fat message made the most sense to me. 😢 Glad I started listening to Dave Ramsey again. 🎉❤

[@amireallythatgrumpy6508]

That died with JFK

[@drn13355]

Will do you it? "I think we could". They won't do it.

[@JustinCase780]

Bingo! (pun intended)

[@snakeplissken3063]

I have never owned a car worth $40k, and I've certainly never borrowed $40k to buy a car. You can get a certified pre-owned Carolla for less than $20k. They run forever and parts are cheap.

[@doug6259]

The most expensive car I ever owned was $15K.

[@Lady.Luck.]

Its insane to me that people think its worth paying $1k a month just to ride around in a nice car. When a used car thats maintained would be paid for. Literally just riding from A to B for $1k a month

[@amylee6038]

What is surprising is the rage you get from people when suggesting they get rid of their vanity item. Their car is a personal statement. A lot of emotions tied up in it.

[@Lady.Luck.]

@@amylee6038 totally agree. It's a status symbol for them

[@TheBeard411]

Cranky Dave is my favorite 😂

[@bradleymaravalli2851]

$850,000 is a lot of house in the Vegas market. You sure you can't move down to something more like $450,000?

[@merriem24]

Agree!!! Half that amount is still a phenomenal yet smaller home there

[@unclebenny]

Dave dissects this caller like a surgeon.

[@jimmymcgill6778]

Yeah right

[@Julian-zc9vm]

Too much house on that income to have that much car. Pick one or the other.

[@andrewshepherd1579]

IT IS ABSOLUTELY SHOCKING how these Americans have so much car debt. 70k in car debt...honestly????

[@creolelady182]

I would never marry anyone who cannot manage money and who I would have to depend on for money. This is why I have my own money my own house my own car and no debt

[@denisewehling649]

Yep

[@Dee0336]

That’s what every responsible single adult has.

[@aolvaar8792]

Cats?

[@AJ_SouthernGal]

Yep. SMART.

[@creolelady182]

@@aolvaar8792 NO BUT i WILL NOT HAVE MEN LIVING WITH ME. They tend to want to take over stuff that I paid for. Thats why I am divorced

[@yunusemrectak5311]

Honestly, we need more people like you MYSTICFLIP if we had an army of people like you, we could stamp out these total loss in no time. I love that you are helping the victims, too it's ultra gratifying when you are to save people in real time like you do thanks 🙏🏻 for getting ours approved

[@annaelisavettavonnedozza9607]

“Haha” “heh heh” “hah” The giggles tell me she really doesn’t care & has no idea what’s going on

[@Albert12893]

Dave Ramsay.what a man.speaks nothing but the truth and says it like it is.legend

[@bradyoung1714]

If there is any evidence from every video I have watched, its that they need to teach finance in school before you take chemistry or political science

[@matthewwaters9742]

Most schools do teach about finances but the students, just like most adults, do not see the point and push it down the road.

[@nancylord4776]

@@matthewwaters9742No they teach about “smart” use of credit cards, how to take out student loans, etc. They don’t teach about behavioral finance because they don’t understand it themselves. You can’t teach what you don’t know. Love you, Dave Ramsey! Your teachings have transformed our lives.

[@michelleatwood1234]

Utah is expensive. Housing is very over price

[@moo3538]

If they make 200k so they bring about 10k a month home after Taxs. There is no way they can pay 10k a month

[@bahwickee]

Holy Smokes those car notes and monthly payments are insane

[@speeddemon0712]

Those notes are average, if not below average now days. Have you seen the video of the dealership employees almost bragging about their $1200 - $1400 payments? Now that's insane!

[@goforbroke2]

Those payments are average as noted below. The car payments aren’t the issue, I bet they spend 3K + a month on Food & Amazon stuff.

[@MrWaffle04]

The car payments on a 200k income aren’t horrible. $850k mortgage on a 200k income ON TOP of the cars is the problem. $400-500k in a house would make way more sense for their income if they want to keep the cars. We love to pick on car payments nowadays (and don’t get me wrong - it has gotten ridiculous with some of these payments my) but we never talk about being house poor. We make $140k in the Midwest and I was on the fence for a long time about spending $300k on our house because I thought it was a lot to take on for our income. I can’t even imagine a mortgage on an $850k house.. good lord.

[@CJP9694]

They needed parental structure-crave it. Media, etc. raised them. All families are affected.

[@heathervenkat1414]

I love how he guessed her exact age lol

[@randymillhouse791]

28 is a stupid age. Been there. Was stupid. Have stupid, will travel.

[@im-gi2pg]

As a hairdresser, when I hear of a kid who cut their own hair, i know they are 4 years old. Never fails.

[@hedgiegal3340]

They aren't going to do it. They want the easy way out. He's going to sell that house and repeat the cycle all over again.

[@timelbrecht9562]

The other point not made is why would you pay off your house to pay off depreciating crap. Sell one car ( buy a get you by car) , sell the camper. Pay off the rest in a year ( except house)

[@madisonhruschka3718]

I think they are probably house poor. It’s a major red flag that she said “build a new house.” Sounds like a lot of KUWTJ. I don’t think based on their income the cars are bad(cost wise). The heloc and trailer are obviously ridiculous.

[@BecauseWhyNot660]

She has no idea the exact dollar amounts.🙄

[@misteroz]

The skinny-fat analogy is so on the nose.

[@kendrascorner]

This hurts to hear :( ugh. This kind of income and this kind of debt. And justifying it saying "we can afford it."

[@thetruth5635]

$1300 in cars unbelievable ridiculous

[@countrymusicandcher8593]

What i love about this show is that every episode (almost) they don’t only get an in-the-moment advice. BUT, they also get something that lasts beoynd the show - classes, couches, books, whatever they need that they can resonably offer

[@fatimamanneh9432]

I said it before the more money people make the more stupid crap they do smh

[@ricksnethen5505]

I really like the concept of "It doesn't change the person in the mirror."

[@froboy88]

Dave is to the point in his life and career where gives a flip about tact. 🤣 Straight to the point!

[@JoeyNYSDnomad]

Wife always wants to move, never happy. More babies, more cars, never satisfied get a dog, get a cat not happy. Why???

[@brawlstarskulubu1095]

Your out-of-the-box thinking and unique perspective turned an otherwise mediocre presentation into a fantastic one MYSTICFLIP . You did a good job of catching the mistakes and keeping us from wasting time and by taking the wrong path. Your attention to detail really sets you apart from the crowd. Great work! Brandon, Your great work has resulted in tangible, beneficial results to me. You’re a force to be reckoned for doing all these beautiful things to my grant MYSTICFLIP

[@wayneburton3168]

Really Dave, why have a co-host if you won’t let them add to the discussion? Either let her contribute without interrupting her or just split up times and host on your own. My 2 cents. Still a great channel!

[@jimmymcgill6778]

I don't understand how people with a good income have any debt?

[@mariorta5017]

Because they make good money and they think always will be the same. They don't think about things changing, getting old, or how the future can be.

[@linuxsurfer2002]

Lifestyle creep.

[@semosancus5506]

It's easy honestly

[@aolvaar8792]

@@mariorta5017 I retired young on a large Government pension and free lifetime healthcare. If you get there, you will see money different.

[@odelllucas]

I wish folks had all of there information written down and ready to go, when they call into this show.

[@randymillhouse791]

Do you suffer from proctalgia too?

[@Ketchup584]

Me too

[@valeriekehrt7566]

For sure. Be prepared before the call!

[@ugabuga1361]

My brother introduced me to Dave Ramsey, meanwhile he takes out credit cards because he can’t say no to his wife. The toys are really just so you can show off to family/neighbors. So stupid, he complains he has no money too.

[@randymillhouse791]

Brothers can get away with a punch to the face on occasion. If that is not an option and his behavior does not change, LIE TO HIM and tell him you are struggling too. Otherwise, you become the BANK!

[@taurusthebull76]

I love that analogy, Jade. "Skinny Fat" 🎯

[@Bluetreez]

I make a good living but won't pay an extra penny for a fancy car. Have a mature Subaru and it works just fine. My coworkers in management have multiple fancy vehicles and I'm never sure why.

[@alqoshgirl]

I’ve never understood the appeal of nice cars. As long as it’s safe and takes you from point A to point B that’s good enough for me. Plus less chances of getting robbed. There are some great cars for a lower price

[@Bluetreez]

@@alqoshgirl I don't get it either. I'm not trying to impress anyone and I totally love the way the Subaru handles in our winters. Extra bonus is my mom, who is handicapped, can get in and out of my car where she can't get around in bigger or higher cars. It's a win all the way around. I bought it used years ago (it was at really low mileage)

[@markg999]

Cause people rather play fake rich then do what it takes to really get ahead which means some sacrifice and buying used cash or new and reasonable. We have a 14 and 13 model year car both paid cash and bought used. Give me stealth wealth any day over pretend rich 😂

[@tubenachos]

I bet the husband will disagree with Dave's advice 😂😂😂

[@regtalkswealth]

Yes stop being spoilt 😂

[@zimmermanlandscape9287]

Good job Dave. I saw your video the other day about abrasive personalities. Way to go tempering your response by saying - you called here now are you absolutely certain that the truth is what you want to hear … lol perfect

[@zimmermanlandscape9287]

Are you 28 hahah

[@redfox_84]

1300 a month in car payments 🤣😂

[@robr268]

They make around $12-14k a month though. It's the house payment that's killing their luxurious lifestyle.

[@shawnmendrek3544]

If more parents did not spoil their kids and told them when they were spoiled, maybe we could have less spoiled people, but I guess some parents only care about spoiling their kids because they were not. It sounds nice in short term, but long term it just messes them up when older.

[@furiousrobinson]

They probably won’t change a thing.

[@thepracticalblade9013]

Wild. Absolutely wild. Every time someone doesn't include their mortgage in what they claim is their debt, I about lose my mind. "I have no debt except my mortage." Hold on, let me rephrase... "I have no debt except the biggest piece of debt that most people have." Got it. I get sick to my stomach when people "don't count" their mortgage as debt. Wild. Mind blowing.

[@thetaekwondoe3887]

Well from calls I've heard, Dave usually asks, "what's your debt, besides your mortgage?"

[@slyfoxx2973]

0% excuses for being in that kind of debt making that kind of money.

[@rc3884]

Love the honesty Ramsey! Its why I keep watching your videos! We need to hear it even if we don’t like it!