Still In Debt After 5 Years

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[@Taj-Mahal]

she was clearly distressed or something. thanks, Dave, for being so kind to her.

[@Nilsosmar]

He seems a little harsh in the first part, but in the second half of the video he does say some kind things to her... he says it's not her fault, her husband needs to pull his weight.

[@febeomnibeepboop6367]

sounds like she will be a single mother soon.the husband is just mooching of her by the sound of it. shes afraid to pull him to the table. Its the truck that is intact and running costing money. her name is shante and she is from detroid. making 50k a year yet shes broke. Some one is spending that money on their sideb%^tch

[@ladyj8487]

a qq

[@darbyohara]

She doesn’t need kindness. She needs honest talk of the verbal slap in the face kind to wake up.

[@T25de]

I hope the pep talk helped her turn it all around.

[@clair233]

Respect to Dave being so patient with this lady. She needed it. She's doing it all on her own basically.

[@inthevault9603]

I wouldn’t have been so kind. This is infuriating.

[@Musicienne-DAB1995]

@@inthevault9603 The situation is a bit ridiculous, but if she had enough humility to call in and ask for help, that does merit some sympathy.

[@earthangel1978]

Only because I went through this with my ex, it never made sense. He was hiding his paycheck stubs and bills.

[@ashanticrawford6033]

He was surpassingly gentle with her. This was a good video. But yeah, she definitely isn't budgeting.

[@soulnurturer1175]

exactly

[@firebrandsgirl]

She isn't even looking at the bills. HAHAH if you don't know what you make and what your bills are you can't even be looking. Is she paying the property taxes on that home? The Home insurance?

[@cawheeler27]

I felt so bad for her. It was clear she wasn't formulating a real budget when she can't even describe what she's bringing in every month. I have a feeling her husband is a big part of the equation. If he's not even involving himself with the financial side, he could be spending god knows how much money without her even knowing about it. Marriage is a partnership, and that means both parties have to take equal responsibility to make that household function. I hope her and her husband can sort this mess out together.

[@paulstandaert5709]

I asked a woman at my work if she had her own well and septic system and she did not know. Very well. Does the city send you water bills? "I don't know. If I get a bill from the city, I just pay it."

[@pinkflamingoes]

A little late to the comment game here, but she cold call the electric company and ask to be put in a payment plan. They'll often do that.

[@angelicaarteaga9311]

I don’t understand how spouses can just let their other halves drown in stress over finances. Be a partner and help !

[@thehoov6672]

He may be an adult by age. But he's a boy by mentality. That's how.

[@avarice5071]

@@thehoov6672 lol, yeah. Also, when you have a generation of parents who aren't speaking to their own kids about their finances they will raise kids who don't speak about finances. I remember asking my mom about how much she actually makes and speaks and the question along gained me annoyance and disgust from her I couldn't understand it. From my experience parents exist to co-exist with you not really teach you.

[@lionmangolf]

My wife keeps the house clean, does the laundry, & I pay the bills. She doesn't help me & I don't help her. She hates math & I hate cleaning. It works for us.

[@xsgtxbigboy1655]

@@thehoov6672it’s his fault she don’t work? Lmaooo aways excuses for the girls always the men fault

[@icecream4depression]

Oh yeah I'm doing a budget, no I dont know how much our income is and I dont pay my bills before my debts. smh

[@ARMYSTRONG007]

I promised myself early I life that I would not STRUGGLE with anyone. And I have kept that promise and now I love a successfully single life. It is awesome!

[@bhat_ysrael]

#1 issue is the husband ---> She makes a budget and he's not sticking to it because he's not involved. He is not taking care of his family, it's not about bringing home the bacon and having the wife frying it up in the pan anymore. Man stand up and work with your wife.

[@smithersrob]

She clearly doesn't make a budget, shes sitting there trying to do the maths off the top of her head on their monthly salary, if she had been doing a regular budget for 5 years she would know that number as well as she knows her own name.

[@butterflyqueen9260]

dmebrown i bet he's cheating

[@lisaadams42]

Butterfly Queen What?

[@MrWhite-pn7ui]

Don't worry they'll be divorced soon enough.

[@666dynomax]

hes probably at the bar... too busy ;) whered that money go... like when i pick my kids up after school theirs a bar by the after school place, same drunken fools there every night after work... who can afford that...

[@bethleon7006]

Dave ask the same basic questions on every show, I wish callers would have that info written down so they could read it out quickly with out all this him hawing. It's nice to see Dave is always willing to help out those struggling. Hopefully she got to sit with the coach and get her husband on board. I'd like to know if they are debt free now or close to it.

[@actuallyterry]

Having the knowledge to get out of debt isn't enough, you need to put the knowledge into ACTION.

[@madambutterfly7641]

I really hope her situation gets better & congrads to her for being brave enough to come forward with her situation.

[@COINsimp2024]

Why do they allow these callers in who don't know their numbers? I wish they would tell them to call back.

[@DNaupari]

Would love to hear follow ups on a lot of these older callers

[@deborahm.8850]

I love Dave Ramsey! You are one of a kind. Thank you for all that you do...may God continue to bless you and your family. My husband and I are on fire with what you teach...we are on our way to being debt free, with the help of the Lord we've got this!

[@CrackberryMe]

Ok so who is she fooling ..They're overspending and it sounds like HE is the problem and she is in denial

[@sandrasmith6207]

her husband is handling the money and he spending all of it

[@hrdkorebp]

"I don't understand, I read the book and my debt didn't go away"

[@markgroth4380]

She needs to read the book again, but actually do what it says this time.

[@MsJoyce31202]

😂

[@readerbabe1984]

Motion makes her feel like she's getting things done. But really she is just preparing to get something done.

[@royalredus]

You can do it Shante, don't give up, girl! :)

[@martinplaybook]

She sounded overwhelmed and I agree, there probably isn't a budget in place.

[@Titus-as-the-Roman]

My Wife works for an electric/gas Utility in Billing, and it's amazing to learn how many people think that having electric and gas service should be free. It's often the last thing paid when things get tight, that includes after the new car they can't afford and the $800.00 dollar outdoor smoker grill. Ever wonder sometimes why your utilities bill is so high, some of that is because of the amount they have to write off every year which the amount would shock some people.

[@labellegene7971]

I think she is overwhelmed. I do not think that the husband is doing his part when it comes to this marriage. I think anyone can get to this point, just need to be disciplined.

[@luminous11]

So...they wanna ensure their kids have cable but not electricity when it goes out?

[@quoteme.goddess6957]

Bless her heart. Someone is very naive.

[@brendawallgren8354]

If the husband has no idea what the budget is, he can’t be staying within the spending bounds. He just spends whatever and then tells his wife, “figure out how to make it work. I trust you.” I would be so angry if my husband was doing that to me every wk/month.

[@Moriningland]

The best time to plant a tree is 20 years ago. The second best time is today.

[@cam4short]

Absolutely love this ❤️

[@ElaineLoyd]

This is a whole different side of Dave. So kind and compassionate. If her husband doesn't help how does the left hand know what the right is doing she budgets 300 for the electric he spends it on bs and she's lost to it.

[@BatBrakesBones]

I feel embarrassed for this woman.

[@BatBrakesBones]

***** Exactly. I would be ashamed to call Dave and describe this.

[@Daniela.m.]

She should have never admitted she read his book and took the class and here she is 2500 behind on her electricity. So embarrassing

[@arienfox]

She was able to get through the phone line to speak with Dave; The teachings are great though.

[@lijohnyoutube101]

Why? It takes strength to make calls like this. I think its uplifting to see truth in action and to cheer her on from the sidelines. I don’t feel embarrassed at all, in fact it seems like an odd reaction.

[@tyler-edic]

She's got the level of humility to admit she needs help. That's huge.

[@crow-vz5lx]

2500 late on electric bill. That angers me cause I used to be irresponsible and unorganized. I never owed that much money but I was pretty stupid in not having bills paid on time

[@americanskeptic138]

It's not a "paid off" house...it's a home she inherited from her grandmama...that's why she's drowning in debt. Somebody else put in the hard work and left their legacy to give her the shot at life that they never had and she spent the money she was earning on a status symbol car, new hair every week and brightly coloured finger and toe nails...no pity here for girlfriend.

[@butterflyqueen9260]

I need an update on this!

[@Elizabeth-uj8vn]

God bless you while you blessed others

[@totallyrandom7804]

Dave seems shocked that she's in debt while owning her home. My house cost about 6,000 in Detroit (see did some renovations, but it was livable at least). I know a ton of broke homeowners. Its cheaper to buy than to rent here

[@kakelinga]

This woman needs to get a clue. Seems like she hasn't learned a thing from the book or from financial peace. Why would she get herself a credit card after filing bankruptcy? They need some couples counseling first and foremost. They should have more than enough money to live.

[@garyhost1830]

kakelinga how do they own their house?

[@garrettmesser3977]

Gary Host they live in Detroit, they can be had really cheap. $50,000 per year after taxes is at least $3,000 per month!! With no mortgage a car payment and food couldn’t possibly be more than $1500.

[@p.shermanfortytwowallabyla9488]

I feel like she is frantic and all over the place. Its like shes a hummingbird Just slow down and listen.. Relisten to Dave bc u didnt the first time

[@Robin86]

If she’s Bringing in 2500 a month she’s only making 30,000 a year (and that maybe before taxes) That’s far off from 50,000. Step one she needs to know how much she’s making

[@thehappycamper6610]

He should have asked her how they paid their house off. If they’re not paying their electric bill , I doubt they were making double payments on their house. Was it given to them?

[@davemart8221]

You are such a good person for what you do Thank You !

[@debbie7771]

People read the book and think it ends there. Like it will just magically happen now. People are scared to suffer a little. “I don’t know how to get caught up”. Pay it! You have the money but just spend it elsewhere. Silly.

[@crow-vz5lx]

"I don't understand what's going on..."

[@Hulious777]

Just mind blown on how this can be an issue with having zero mortgage payment. They're ignorant spenders.

[@janiecel]

This was hard to listen to. I think where a lot of people get tripped up is in the weeds. Get a precise number (down to the dollar) on your income. Get precise about your debt. Put it on paper! Call in with that paper! Know your minimum payment amounts. It will be a much more productive conversation and Dave won’t have to keep speaking over people to get to the real.

[@smithraymond09029]

When I hear of people owing more than they make in a year it makes me feel so much better about owing a couple of grand (which I plan on playing off by the end of the year).

[@accentplaya18]

It sounds like her student loan payments are being garnished from her paycheck. Taking home only $2500-$3000 when making $50,000/yr is why i think that. My wife had her wages garnished from student loans as well and they garnished around 35% of her monthly take home.

[@KB-sj8hb]

accentplaya18 no I make 50k and take home 1445 biweekly you have to factor in where u live and insurance if it's take out of your pay

[@MissCofia33]

accentplaya18 I make about that and by the time taxes, medical and 401k are taken out.... there really isn't a lot left over. $2500 is about right.

[@Mrs.T305]

Sounds like her hubby is a loser

[@eprofessio]

I believe in a free and appropriate education.

[@luisporras916]

i take home $4000 month 1st -check -$2000 mortgage -$1400 utility -200 food-200 car insurance-$120 left over $80 2nd check $2000 car payment -$350 school loan-$70 insurance-$120 food-200 cable/wifi-$175 left over $1085

[@keyroncampbell]

cable/wifi $175... mine $100 cable internet/home security with Comcast.... who do you have service with?

[@keyroncampbell]

Luis Porras .... and on a contract... Comcast was the better deal but you learned your lesson.

[@keyroncampbell]

Luis Porras I see them in Walmart all the time... I act like I don't see them and they owned by att now so you know.

[@Glass088]

Luis Porras What about a 401(k)???...don't neglect that

[@keyroncampbell]

Makaveli The Don for sure.... That Always get at least 12% of what I make.

[@nw8000]

This sounds like a case of keeping up with the jones

[@deemajor123]

How do these people not know their annual/monthly salary off hand, it should be a no brainer

[@tymom9313]

$2,500 on a car that dont run 🤯 that hurts

[@ChrissyLovesU2]

I can't...

[@debbieakers2635]

Wiping me is where I have been for so long. So tired of it.

[@hypemodels9679]

Hey I’m an international student in the Us with a 4.0 gpa I’m trying really hard to get a scholarship since my school tuition is $7000 it is really difficult and i attend a community college. I have been working part time and i do community service as well . I’m grateful for all your words of advice

[@x-fatboylifestyle589]

Someone gave them that house is the only reason it's paid for and they can't even keep the lights on... WOW😂😂 they will forever be broke. 🤦🏽‍♂️🤦🏽‍♂️🤦🏽‍♂️

[@BagsNBaguettes_327]

2 words to describe this situation: hot mess

[@briellejones9550]

People just need to be honest. “I have a spending addiction.” The money is going SOMEWHERE. Turn those lights off and get some candles, do your laundry in off-peak hours.

[@paperbox819]

This is an odd one. I feel there is something going on more than disorganization. It takes a while before they cut your power. That and not having rent or a mortgage every month which is most people's highest bill. Could be the husband has some sort of addiction he is hiding? Maybe gambling, drugs, ect.. I don't know, but this sounds off to me.

[@autumnrose538]

Love Dave, but how are you supposed to sell a car that doesn't run??

[@HereIsWisdom1318]

She’s not even doing the baby steps because bs1 would have taken care if the light bill if it wasn’t budgeted.

[@whiskersredwood7903]

For a family of four, they arent paying that much in taxes on $50,000.

[@ramonuy5567]

They have no Idea !!!!

[@wanefelicia8779]

Food before house payment ? Not on my budget

[@slotkillah6586]

She paid her home off for 100 bucks in Detroit.

[@MrsThollo]

Wish I felt like listening to this again. Trying to understand why everyone is primarily badmouthing the husband; it sounds like people heard way more details than I did to blame him for everything.

[@vickieclark5931]

A paid for house making 50,000. She could be completely debt free in 2 years. I know if I didn't have a mortgage I'd have more than enough money left over and I make a lot less than she does.

[@666dynomax]

A vehicle with a payment and the engine doesn't run

[@TheToadChild]

I think we just need recharged a bit. Five years is a long time to try and be intense and focused.

[@BagsNBaguettes_327]

She's clueless...how do you not budget for utilities?

[@lijohnyoutube101]

Tania Martinez Because she’s overwhelmed, struggling and stressed!

[@jprichardson9630]

She’s probably not eligible because of her late payments but having my bills “levelized” was the best thing for us. The amount we pay per month is usually about the same. I feel for her 😔

[@saracash7959]

All I can say is wow

[@soexcessive84]

The more I listen to these radio show calls the longer these " ummmmmms" draw out. If you're going to call and ask for help tell it all and don't try to save face. Sounds like some disorganization and not staying on track is going on.

[@kendraplayzrobloxgamer8413]

After bankruptcy you still owe people?? Behind on all bills. No you’re just not paying your bills.

[@harrycee656]

Basic math is critical.

[@nfldshorty21]

Does she listen to Dave? She couldn't possibly have an emergency fund or a budget sh sticks to. Lol

[@keyroncampbell]

idiot

[@keyroncampbell]

The girl asking the question

[@anDWandy]

her plan to pay off debt is to pay the minimum payment

[@jesusbarajas9444]

Wisdom leaks out of Dave in any situation!!

[@travisclifton1581]

2500 electric bill?! Turn the dang lights off once in a while

[@barbararepko4824]

Travis Clifton Sounds like they didn’t pay for a few months, even considering a whole house.

[@janefromthecountry1820]

"You gotta grab this thing by the ears and choke it! ...Get Bubba to come to the kitchen table and help!" Lol!" Lady, you have no written budget or the lights would''ve been paid!" Dave cracks me up in this video....Odd, she has been thru Financial Peace and still in debt after FiVE YEARS! Yikes! 😂.

[@mlovespring7892]

Mr.....Ramsey, please have your team reach out, I love budgeting. My specialty! ❤❤❤

[@rudistorm3348]

This person is not being honest with Dave. There is money going out that she is aware of that she is not saying.

[@lindab3340]

She really sounds confused. I'm surprised she did not know her monthly income . I'm surprised she also did not know her debt before bankruptcy. She has not sat down and really written everything out. I can feel her pain because it's tough to face the hole we get into! But she is by no means having an established plan.

[@alisagraham6513]

Only way to actually get control of debt is writing down(pen & paper) the debts. We have to see the list and truthfully know the amounts.

[@Mafr0]

Does anyone ever pay for FPU?

[@billschlafly4107]

"I do a budget every single week." Your problem is that your husband doesn't.

[@hayaankanolosha6306]

Shante r u still in debt after another 5years

[@Michelle-po9xy]

Lol. I think she makes a budget and then doesn’t follow it.

[@michellebakic4202]

inaustralia we pay monthly gas and electrical thu our companys ,

[@GUTOMOFFICIAL]

When this caller comes up AGAIN because of Auto Play. LOL

[@crystalgreen1252]

how can she know about Ramsey AND still be so clueless?!

[@chouavue9056]

I think there will be no Christmas until the two kids can buy for their own kids.

[@myprincess5905]

Omg i feel sorry for her kids !! This woman probably goes to TJ MAXX every week. ROSS and THE MALL thats where her money is going then she wonders where her money went !!

[@TheLydiaM]

Oh man. What we could do if we didn’t have a mortgage payment 🤩 lol I can’t wait!

[@lady56725]

One of them probably have a gambling addiction.

[@fantadiallo8299]

The problem is she is clueless and managing their finances

[@JK-Visions]

did the study help increase or decrease the IQ? sorry but they have so much money per month and no plan...how do you study something if you cant make plans in the first place..? Ramsey is very good at giving solid advice. I like him if he isnt shouting:)

[@ladyoun4936]

and she didn't have an emergency fund either! why? why? omg!

[@donaldrichey3318]

The money is going somewhere. She is either in denial or is the one spending it

[@tonysteel1377]

She has failed to trail the plan!

[@matthewclaiborne229]

50 k a year with 2 kids. YOIKES

[@sharonking6206]

I've been scammed and have nothing left, can you help me?

[@bigrod1674]

Get out of Detroit Lateqwa.

[@d_chatz8353]

Hey man, that is racist. Don't you know that?

[@spunky181]

Is it better to try to sell gold jewelry on my own or just take to a coin dealer?

[@Sexy40baby1]

Filed bankruptcy and went back into debt

[@christine2952]

I think the house was inherited. I doubt they paid off their house with their disfunction.

[@Production-xj5qm]

Houses are like a $1000 in Detroit. Super easy to have a paid off home.