Should I Voluntary Repo My Car To Get Out Of The Payment?

[@edhcb9359]

You can have any car in Los Angeles “voluntarily repossessed” by simply leaving the doors unlocked for a couple hours. Problem solved.

[@sdot3358]

😂 Facts!!

[@ThePeterDislikeShow]

Just make sure to get GAP insurance first.

[@edhcb9359]

@@ThePeterDislikeShow If you were dumb enough to have leased the thing.

[@edhcb9359]

@Oya Wright There has to be some perk for living in godforsaken Los Angeles!😂

[@amaya1hn]

CORRECT! That's right

[@cincinnatislider]

How to frustrate Dave in one easy step: say something using 100 words that only requires 10.

[@jaredhammonds8255]

True. Kind of like how I had this roommate named Joseph and while I was dating my ex he managed to trip and land on our glass coffee table and get shards of Glas in his eye. We took him to the hospital and they asked me some questions. It was then that I realized that I didn't know where he moved from prior to living with ne or anything else about him for that matter. I had to go out of town for a week and my ex would check in on him. He got a gotton eyepatch while he made his recovery but he and my ex fell for each other when I was gone. They ended up getting married and I never saw them again. What I'm trying to say is that if it hadn't been for cotton eyed Joe, I'd been married a long time ago. Where did come from? Where did you go? Where did you come from cotton-eyed Joe?

[@cincinnatislider]

@@jaredhammonds8255 Yes, EXACTLY like that! Thanks for sharing your meaningful story.

[@jaredhammonds8255]

@@cincinnatislider lol you're welcome but it was a joke. I totally agree with you tho

[@Kysen10]

Dave: How much is the car worth? Caller: Well blah blah blah

[@hmj8469]

I would say the fastest way to frustrate Dave is to use the word repo or bankrupt as the solution to your problem.

[@mikewright2858]

24, have an Audi and a wife that doesn't work. Boy genius.

[@jjbdbd8279]

Married at 24 sheesh

[@johnengland8619]

She needs a job

[@nicholasadkins6469]

@@jjbdbd8279 you’d be surprised. I seen people get married at 20.

[@Cutthroat__]

@@nicholasadkins6469exactly

[@Niafunn]

@@charlesandrews2513 sounds like she’s locked up an excuse early in the marriage not to work. Then a kid pops up and she’s a kept woman. 24 and you’re just out of the workforce for the foreseeable future? Over a shoulder? She can do all kinds of stuff or work from home typing and answering phones.

[@deejames9380]

When I was young, my dad told me something that was told to him. "There are three types of people. Those who make things happen, those who wait for things to happen and those who wonder what happened". Get off your ass, get your wife working and make it happen. You don't need Dave Ramsey, you need a change of mindset.

[@taylamayde]

So he does need Dave ramsey then

[@taylamayde]

And ill go with theres two type of people worriers and warriors

[@DanielMose-s7e]

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.

[@lennoxmutterick6434]

Hi. I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second child. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks

[@DanielMose-s7e]

@@lennoxmutterick6434 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.

[@lennoxmutterick6434]

@@DanielMose-s7e Oh please I’d love that. Thanks!

[@DanielMose-s7e]

@@lennoxmutterick6434 Clementina Abate Russo is her name

[@DanielMose-s7e]

Lookup with her name on the webpage.

[@Ja50nkAt]

So proud of owning the family car out right, for 31 years. Toyota van runs like a champ still. Live like no one else so later you can live like no one else.

[@shanep2760]

You've been driving the same van for 31 years?! That's awesome!

[@markg999]

How many Miles on the van?

[@jjb0894]

I own two vehicles free and clear, both worth about $15k combined. Haven’t had a car payment since 2018.

[@666dynomax]

@@absolutetruth3290 and it will never leave you hanging. No drama vehicles. Not flashy not powerful. Just dang reliable

[@rodneyanderson673]

Don't forget to give 😁 "so later you can live and give like no one else" . Haha

[@whiskers78753]

He should have listened to Scotty Kilmer first, instead of Dave Ramsey second. Scotty would have told him "it's an endless money pit."

[@anthonycourtney8029]

I read this is Scotty’s voice haha

[@nytewrtr]

Indeed it is

[@orlandovelastegui1391]

Audi ?? That a money pit !!! He will never have enough money to fix that car !! His best bet is to leave windows open and let some steal it so he can get his money from the insurance!!!

[@orlandovelastegui1391]

Don’t listen to Ramsey he is a fool!!! You’re not going to get out of this hole 🕳️!!! Park that car in the roughness part of California and leave you windows open and let the Criminals help you out and after they steal it !!! Call the insurance company so they can write you out a check!!!

[@ILikeBigTrains]

100%

[@stellarocquie7957]

Yeah, they give him 13k, and sell it for 22k.

[@666dynomax]

They factor 5k to fix check engine light too. Bad move taking it in with that to begin with.

[@seventeen9718]

@@666dynomax Why not just check carsales etc to see it's rough value? It's like, of course car yard are going to try pull down your pants and spank you...

[@redfox_84]

Dealers and such use wholesale pricing, not KBB, etc.

[@calebniederhofer6529]

It is way too hard to make assumptions without seeing it. CarMax actually sells off volume. They don’t make as much per vehicle, as people think. Yea, If it has damage and a check engine light, That is going to significantly reduce the price. Especially on a luxury car. They can be crazy expensive to repair.

[@bishalgole8552]

Dealer told my car is worth $12.5K. Sold to Carvana at $17.5K. Those online car company pays good amount.

[@handleyobusiness]

Because carvana is an online store that doesn't have as much overhead cost as these traditional dealers. Carvana is a very good deal.

[@edhcb9359]

Which means you could have sold it for $20k private party in a weekend.

[@darriongering392]

Carmax in my experience has paid around the same as Carvana or sometimes more. He also could have just paid too much for an Audi (one of the fastest depreciating cars out there) and now it's having an engine issue as well

[@arga400]

@@edhcb9359 Selling a 20k car is gonna take you more than a weekend

[@larrytucker222]

Took me two hours to sell my truck to Carvana for $5500 more than I paid three months,earlier. 30 minutes of paperwork and the rest to dropoff the truck. Easy process.

[@debbieweibley3899]

I have shoulder problems (need surgery) but I clean houses, assistant teacher, I sell Avon and the crafts I make. So, she definitely can work.

[@stud6414]

She found a simp so why work

[@fhuber7507]

Selling Avon isn't a job. It's a hobby that costs more than it makes.

[@Meow_Merchant]

@@fhuber7507 I remember being a kid and the Avon lady would come to our house and sell my mom stuff. They're still around that was probably 30yrs ago now.

[@EgalitarianWoman]

@@stud6414 A normal person would still work, because of integrity and accountability. I realize not everyone has those traits, but it would be best to find a partner who has them.

[@mandypdx]

Who buys Avon 😂

[@ggdatboi]

I’m thinking of voluntary repo for my car situation. I went from making 30k to 60k. Decided to get a new car since I could now “afford it”. Car came out to be 26k. 2 months later I lost my job and haven’t been able to find anything that pays similarly. I’ve been using savings to pay my bills, but I’m completely out now. Got a job making $15 an hour rn. However, it isn’t enough for the car. I’d rather pay my rent and other utilities first.

[@annoyingbookgirl]

I’m in the same boat

[@markelraya10]

I had bought a 50k mustang. 915 a month. I didn’t get the promotion I was expecting. I totaled the car on purpose then I got a cheap Volkswagen for 13k lol.

[@ggdatboi]

@@markelraya10 LMFAO oh u are a menace. When u totaled the car the insurance paid out the full amount to the finance company or were stuck with some leftover debt ?

[@markelraya10]

@@ggdatboi Yes they transferred 11k negative from my old car then added it to my car that was 40k. The I bought gap insurance and totaled it out by setting it on fire. Everything is paid and I didn’t have any deductibles cause gap.

[@markelraya10]

@@ggdatboi now I have a 2016 Volkswagen that’s 12500 left. I will never get an expensive car again. I will pay this in a year. My current interest is 7.7% which I don’t care because I will pay 1k a month o pay it off. Or close to a 1k. But my car payment overall is 300.

[@hymanbjorn6768]

He bought an AUDI as a broke person! Never buy a European car unless your pockets are deep!👎🏽

[@musicpro7278]

My pockets are deep and I still wouldn't buy an European car. I guess that's why my pockets are deep

[@hymanbjorn6768]

@@musicpro7278 Smart man! 👍🏽

[@markg999]

Why german cars have bad resale value...they are expensive to repair.

[@musicpro7278]

@@markg999 because they have to ship the parts from Europe and the way the cars are designed are hard to work on

[@sammax4245]

@@markg999 over engineered, hard to work on

[@Treerootz1]

Dave thinks fixing the engine in an Audi is $500? Lol

[@Moue666]

Drop in an LS for $500 and a weekend of work.

[@redfox_84]

that will just cover labor at best

[@mxerb5912]

Probably a coil pack. 50 bucks

[@Sinful_Survivor]

Audi's are super expensive. I had a Transmission slip in mine and they wanted 2k to fix it lol 😆 I let it go. I got a Mazda now, runs alot better

[@CJXBS]

I did a 60k tune up on my wife's car. It costs $600

[@Julian-zc9vm]

A $13k Audi is not a nice car. And they depreciate so quickly that it doesn’t take rolling negative equity into the car for them to become so underwater.

[@markg999]

A $13k Audi a few years earlier was a $25k+ Audi. Avoid german cars they are money pits typically.

[@seventeen9718]

@Marty Yo 013 True of literally any car.

[@jkneeland89]

@@seventeen9718 not like a German luxury car

[@kristaw2686]

We just sold our passenger van for $10k more than what we bought it for a year ago. Then we used the money to buy an older, less fancy passenger van with cash.

[@Sarah-vl4mq]

Which van did you end up buying? And from where? 🙂

[@seventeen9718]

Well played Krista! That's how we rolllll

[@MrTmenzo]

Bull

[@carsondwayne]

How dare you make a wise financial decision?! That's not the *American Dream* :)

[@seventeen9718]

@@carsondwayne Disgusting PROFITEERS. Ruining a good country.

[@whooolop]

“Light it on fire” 🤣 that’s actually the best way to fix his situation.. if someone steals the car and burns it, hypothetically speaking 🤫

[@radolfkalis4041]

She can get a non physical job. Phone work is great for those with physical problems, cashier possibly, walmart greeter. Blue book the car, Edmunds, something. You will always get swindled whenever you try to sell a vehicle to a car reseller.

[@KC-dr3cg]

Probably not a Walmart greeter.Thrir hiring policy has changed.They got in trouble for failing to be accommodating for ADA..so they now hire more able bodied applicants.

[@sarahobrien3379]

Her shoulder comes out of the socket. She would probably have trouble typing.

[@radolfkalis4041]

@@sarahobrien3379 o.0

[@jimroscovius]

Took a LONG time to get to the point.

[@jessib2dope790]

I had 3 car notes at one point, worst thing I ever did. I wasn't making as much as I was before to be able to afford the vehicles. Luckily I didn't get any repos. I ended up selling my Daily driver and paid 1k out of pocket. My other vehicle got totaled. And I only kept one car (which my mother drives, as she cannot afford a vehicle and is my gift to her to have something reliable) and I got myself an old 1988 civic (I've always been a mechanic so fixing/repairing is not an issue) sometimes things just play out, but I refuse to get a repo on my credit.

[@thomashaas5965]

He's not REALLY getting "snookered". Its a 7 year old European car. Those drop in value like mad. They break down every time you sneeze. And everybody knows it.

[@jkneeland89]

Agreed, I had broke friends in the past who bought Audi’s and BMW’s and I told them that it’s a bad idea, but they wanted to look cool so they did it anyway, wasn’t long before they regretted it. Only fools buy used European luxury cars.

[@redfox_84]

Exactly, people who buy them don't understand that they are cheap as they age because they are expensive to have repaired.

[@thomashaas5965]

@@jkneeland89 European cars are the ONLY car that I would say you should lease if you want one just because you don't have to worry about getting it sold after the warranty is done - its already precalculated and even if the value is lower than anticipated because the car ended up having all kinds of issues - NOT your problem. However, a prepaid lease so you still don't have a car payment. That's if someone is going to go European. I would go Lexus or Acura if I'm gonna do luxury. Even if I'm wealthy, I'd like the OPTION to keep the car.

[@TheMechanicj]

Lol read my name I get it

[@gregoryali4206]

Thank you

[@metaltera86]

It’s crazy how many people just take their cars to dealerships and the number they give them is how much it’s “worth”. SELL PRIVATE PARTY

[@alexanderf4508]

im looking to sell my bmw its worth about 21k and I owe 25k. how should i sell privately for such a large amount

[@jupibowen]

@@alexanderf4508 let me know if you find an answer

[@Tompicks879]

@@alexanderf4508 you need to cover the $4k only way to sell

[@yoshit9819]

Still driving my 2005 Toyota Sequoia.

[@RJRussoVids]

“I’ll be honest it [the car] was a little bit fancy.” If you’re thinking of a voluntary repo it must be A LOT fancy.

[@NadeemMansouri]

Depending on the model and miles of the Audi it could well be worth 13k

[@rothbj1]

5:24 This is why you avoid a repossession at any cost, ‘voluntarily’ or not.

[@t206kid]

I feel bad for the guy. His wife is prob one of those people that blames everyone else but herself. He has a lifetime of issues with her. He doesnt have a car problem, he has a wife problem

[@spiritualcosmeticss]

Why trash the wife for being disabled??? She could work from home probably.

[@t206kid]

@@spiritualcosmeticss if it was the guy I would have said the same thing

[@blackworldtraveler3711]

@@spiritualcosmeticss People are creative now with their interpretation of being disabled. Some will find a job and others will play victim with excuses.

[@knowthyself8233]

Voilà

[@jvega625]

@@spiritualcosmeticsshe trashed her as a person. There are many people who claim disability. Like you said, she can work from home. Or paper pusher ( accounting) ,recon, HR. I know someone who claims he’s legally blind, that’s why he can’t work at all. Gets a government check. A good amount. Yet when I go over his house, he’s playing video games. Online multiplayer, he’s decent ( not better than me though, sorry had to throw that in there 😂).. I don’t see him running into walls, missing corners, missing that tiny dot on the map

[@Saiyijon]

A bad shoulder does not stop you from working. It sounds more like a couple kids looking for an easy button.

[@KevinB-gj1gk]

2020 Maserati Ghibli, 21yrs old, forgot the ultimate goal of retiring mom. Not sure wtf I was thinking specially with how uncertainty in the economy. Thought I’d motivate me in my Career but instead it’s dragging me down

[@jeffstadtfeld4653]

As usual Dave is an expert on everything he obviously knows nothing about German vehicles and how expensive they are to fix

[@peculiar5422]

Exactly. And Audis have massive depreciation in a short time frame

[@TURTLEORIGINAL]

It’s okay to use commas when you write a sentence.

[@kbthegoat824]

500 sounds like a part alone. They know about it they just act clueless for the sake of the show, they're not ignorant.

[@jonheredia8789]

Cars are all expensive to maintain correctly.. I have an Audi that runs great in the 5 years I have owned it,and I always make sure it is roadworthy by regular maintenance.

[@augustalexander2647]

Shame cause an audi is like my dream car 😂 deffo not going there

[@solidshake12]

Brevity is a virtue.

[@Gobbluth666]

Please get to the point caller.

[@sifn3756]

Going through this can't wait for the insight

[@calisurfin]

Just detail and fix everything you can on the car. If you go through that effort it automatically boosts the value of the car.

[@warpshield]

My wife just got hired on with Kaiser Permanente. Her medical insurance is free. She adds me on for $150 a month. Best career move she ever made.

[@superblump87]

That is pretty comparable to most medium to large companies. I actually pay less.

[@ashleygabriellapladsen1850]

I'm interested!

[@yaydog2702]

$150 / month is expensive isn’t it

[@melissa4896]

It's sad that in the United States one has to look so much at medical insurance when it comes to choosing a job, rather than just the job itself. So glad we have universal health care in my country so I do not have to worry about what type of medical insurance my job has or my husband's.

[@marcenelj]

$4300 a month in Cali is rough

[@andidede3653]

I don't know how they just deal with it and don't think of moving out. Easier said then done, but not once did he mention of a plan going forward or how to better his situation. 4300 gross pay anywhere in most places can be tough especially Cali

[@marcenelj]

@Veedo well you need to move to Cali then

[@user-xw4vg1vy5e]

4300 gross at that!

[@ajsway6320]

I’m in this exact situation!!! I’m soon to be married and I made an unwise decision to get a Mercedes in 2020 that I honestly couldn’t afford, and now I’m assuming more responsibilities. I’m thinking of doing a voluntary repo. I don’t want to but I really feel like there is no other choice.

[@keakey18]

Did you do it? I’m thinking about doing it

[@groovyferny9061]

Same boat . What did you guys do ?

[@ajsway6320]

@@keakey18 No, I still have it. I’ve heavily weighed my options. I have 1 year left on the lease, so I’m just going to ride it out. I’ve been praying hard about my situation. I decided to go get a new Toyota Corolla and just drive that and park the Benz and maybe drive it every now and then. I pray that someone wants to drive it for a year and make the payments, but if not I’m being blessed to take care of it.

[@christiansoto9755]

even if you do repo it, they are still coming after you to pay for the difference. Don't repo it. Just sell it on the private market or talk to the lien holder.

[@guap8391]

@@christiansoto9755can you pay that difference over time ? My car was repossessed my plan was save up the would be monthly and cash out on a vehicle then pay off the difference over years

[@Wall2000x]

This is a very good question. Check engine light? Could be a loose gas cap. Needs a new battery. Or dirty mass airflow sensor. List it on Facebook for $22,500. No long stories. Don't roll out the ball of twine. I am guessing that your wife (and I am not trying to be mean) from the internet: excess weight can damage joints, including the shoulders, and may increase the risk of shoulder dislocation. One study found that morbidly obese people in the United States have experienced an increase in shoulder dislocations over time, and that the average BMI of patients with shoulder dislocations has also increased. It apears you make 'bad' choices then try to excuse them away. Spouses are tough to fix.

[@kylehodson2357]

I’m in a similar situation right now. I was biking everywhere and had a paid off motorcycle as well. Finances were going well and I decided to finance a car with $0 down. Having an issue with the axle now on a fancy car and I’m thinking about getting out of the loan and going back to cycling again. I’m blessed (and cursed) with a situation where I have housing for free and live across the street from work. Trying to figure out how to get back to winning financially.

[@diegohenaohenao3569]

Warranty is so important when financing German cars

[@kbthegoat824]

​@diegohenaohenao3569 warranty is a rip off, just take care of your car. The mistake people make is they never pay attention to services and maintenance and make things worse for themselves. Now they gonna sell that car to somebody else who would have to deal with those issues cause the previous owner was negligent. That's why these cars get bad reputation.

[@thunderthumbz3293]

Anyone who bikes around was never winning financially.

[@evoman44]

Your mistake was not buying a reliable brand. If a Toyota was not nice enough for you you should had gotten a Lexus.

[@gregorymalchuk272]

​​@@evoman44 Nobody remotely in need of financial advice should be buying any luxury car, period. Arguably not even a used one as a beater. They don't have the economies of scale to have experienced technicians and aftermarket parts supplies. You need need an old grandma Buick, an old Toyota Corolla or Camry, or old Honda Civic or Accord. Nothing more until you have your first million (or two) in investments.

[@MrOfficer235]

German cars tank in value. It probably is worth more than $13k but probably not that much more.

[@dummgelauft]

Take it to an independent VW mechanic and have it fixed. An unstable shoulder is NOT a disablity. If it is, then apply for disability and get some money in. Running a cash register should NOT cause an issue with an unstable shoulder.

[@matt.108]

Sounds like a misfire. Get a good code reader and fix it. Sell it private party and pay it off. That Audi probably just needs an ignition coil.

[@jonl1319]

I'm not buying the shoulder thing. I've seen plenty of people who work with one arm and many other disabilities.

[@susiecam1033]

A check engine light on!! Good luck selling it for 13k. NO ONE wants a check engine light! Period.

[@joshuapriddy2383]

check engine light isn’t really bad unless it’s flashing

[@mph5896]

Get your shoulder fixed, and put her to work. Mid 20's, thats a long time to go with a bum shoulder.

[@pjdurkin8582]

He's lazy

[@beckyshell4649]

@@pjdurkin8582 It was the wife who had a bum shoulder and "can't" work not him.

[@pjdurkin8582]

@@beckyshell4649 oh. Well many us still work with "ailments"

[@klxo14]

His wife clearly doesn’t want to work

[@melissa4896]

You never know. Maybe she doesn't understand what she could still do.

[@Oliviasblessed]

Or maybe he doesn’t want his wife to work. You do know that some men still believe in being the provider for their household.

[@JuCarlos-ex8ip]

I would trow the wife out if she doesn't want to work

[@johnengland8619]

@Oliviasblessed he can't support a car let alone a lazy wife

[@reynaldobaca3403]

​@@Oliviasblessed if she's able she better be working, everyone has to work especially that young and no kids, me and my girl hace 2 kids so rn she stays at home to rear them but a young couple with no kids? Psh both yal better be working because that's dead weight

[@Johnbrian210]

500 is like a oil change price for a Audi. He’s not fixing it for 500 bucks.

[@cecilcook3557]

Absolutely. He's got major repair which may cost four to seven thousand to repair. Car repairs on foreign cars even more expensive.

[@iHadWaterForDinner]

wtf maybe for the r8 lol

[@JoeyNYSDnomad]

I am the proud owner of a 2013 Kia rio. I could care less what anyone else thinks of it.

[@superblump87]

You have to admit the car is pretty hilarious. Also, the phrase is "couldn't" care less. Otherwise it has the opposite meaning of what you're intending.

[@PowerNGlory]

The correct phrase is "I couldn't care less". If you could care less as you said that means you actually do care. Sorry it's just a pet peeve of mine with that phrase and people get it wrong all the time.

[@MartianAmbassador69]

Good cuz we all think you're a fruit

[@kjthomas4553]

trash cars

[@CJjefferson94360]

Are they reliable

[@vnlaice4778]

I’ve done 6 voluntary Repos and was able to dispute every single one off my credit.

[@melenejoseph6507]

How?? Please explain to me how it works because I want to give back a finance vehicle but don't want it to mess up my credit though my credit it below 500 😢 advice please

[@melenejoseph6507]

How?? Please explain to me how it works because I want to give back a finance vehicle but don't want it to mess up my credit though my credit it below 500 😢 advice please

[@taykhamilton]

how?

[@alwayshustling8854]

She can work. She can do customer service or another easy job like say welcome to Walmart all day

[@Bigtexdraw]

😂

[@heathbrockway9040]

What got me was that his wife hurt her shoulder so she can't work...what a load of bull.

[@tonyahenry4167]

They still want that money sell it and pay off the rest if you can And wife can work she’s not on disability

[@briankrouch430]

Take the car to auto zone they will run a scan tool on it for free to see why your check engine light is on

[@RealGalaxyGamers]

@@briankrouch430 haha

[@DaveW74TVN]

Auto zone and Audi should never be in the same sentence.

[@markg999]

Those scanners aren't good you need a legit one at a service center to really know the issue...its probably complicated issue being an Audi

[@stevencamacho6474]

@@markg999 not necessarily just grab the code and leave or better yet spend 30 bucks and get an ob2 scanner or whatever port the audi uses. typically code readers can read check engine lights and if its something like an air filter you will be able to tell just through that. if its something more like it sounds like this guy has some kind of fuel injection problem or something having to do with low fuel pressure, the ob2 scanner will point you in the right direction. typically dealers will charge hundreds for diagnostics you can do yourself

[@jvega625]

@@stevencamacho6474they charge as much because you are paying for the experience and equipment. The proper computers ain’t cheap. Any decent technician will take your paperwork of codes and use that has scrap paper. They always plug their computer in to get their own codes so they can see themselves what’s going on. Pretty much incase it’s made up, got wrong diagnoses , etc etc

[@hereforthelaughs992]

Don't evaluate your car by Car Max, they will rip you off

[@Mr5305401]

Can you ask just question without the whole life story

[@unfairsanic5089]

Then you will never get the proper answer

[@keithwestbrook5429]

Dave’s reaction at 2:20 is priceless 😂

[@tmfamc]

There is a phrase in the Mexican Hispanic community that goes like: “Ponte las pilas!” It literally means “encourage yourself to be a better person and get your act together!” Exactly what this guy needs!

[@JoyofRVing]

Leave the wife. Problem solved.

[@XxDiamond44xX]

🤣

[@dagobert1234321]

Sell the wife

[@williamegler8771]

The only vehicle I have EVER financed was my first new car. I have bought 22 new vehicles over the years since then. I deposit money every month in an account. I also don't need to drive the newest vehicle in the neighborhood. I drive my vehicles for years and don't replace them until they are at the end of their useful lives. When I NEED a new vehicle I find one I want and go to the bank get a cashier's check and pay for it in full. If I have an unexpected expense I just don't pay myself. Try telling the bank you aren't making your monthly payment because you need a water heater or need to fix a leak the roof.

[@Teamshmo]

My next door neighbor is his age and has an Audi. I never understand how he can afford it since most of his life he had no job. I assume he is same as this guy.

[@thegrandpencil4374]

Banks should not let you apply for loans where the car is going to cost you more than 10% of your income.

[@RazzmanMK8]

2015 audi stutter issue. Cel light. Get valves cleaned. Don't go to dealer. Alot of euro shops do walnut blasting cleaning valves. Check spark plugs and coils as well.

[@jessib2dope790]

Do you have full coverage insurance? Do you have GAP insurance? Do you have a Helmet?

[@PI1901]

😅

[@jonnaborosky8836]

A car dealer is not the place to ask the value of a car. Look up the value in the Kelly Blue Book.

[@Ryan_DeWitt]

Not only is Carmax possibly taking advantage of this guy, but his wife as well. Can't work because you have a bad shoulder? Come on now. Countless people have bad shoulders.

[@Ryan_DeWitt]

@@saulgoodman2018 I don't care if her shoulder is falling off. You can work.

[@Sizukun1]

First time listening to Ramsey? seems like every other caller is on disability or has a spouse on disability and refuse to work more than 20 hours to maintain disability payments. But they still want to be a millionaire...

[@Ryan_DeWitt]

@@Sizukun1 It's all on what your priorities are. If you really want to work and put in the effort, you can find a job even if you are in a wheelchair, missing limbs etc. It is very easy to some people to come up with excuses to justify themselves not working.

[@redfox_84]

Carmax isn't going to pay to fix his messed up Audi just so they can sell it.

[@superblump87]

@@saulgoodman2018 what do you do for a living besides comment on dave ramsey videos?

[@monicadhenderson8670]

Go Gazelle Intense!!! You most definitely will feel better when you do!! Y’all got this! Especially being so young! What a blessing 🤩🤩🤩

[@666dynomax]

Until I’m a millionaire I don’t think I’ll ever own an Audi. Most of the people with these overpriced vw tend to think they’re nice cars than they ever were, will be, or are. I think I’d honestly take a bmw before I’d buy an Audi. Parts are insane on Audi and vw. Terrible cars no question

[@samuelpineau906]

BMW is a VW bruh

[@bjkarana]

A very dear friend of mine is a millionaire and he wanted an Audi or BMW until he could afford one, but by then, he understood opportunity and lifecycle costs too well to buy anything more than a lightly used Toyota or Subaru (his wife likes Subaru).

[@15KHPCLUB]

What makes you think a beamer will be any cheaper to own?

[@HonorOneAbove]

You gotta run! My god this is the way.

[@HonorOneAbove]

@Pinnedby Dave Ramsey show◽️ What do I need to do?

[@ShaunSavage-kl9pd]

I bought a 97 ranger for 200 bucks. Odometer stopped at 500 thousand miles been driving it for 15 years.

[@Neji1984]

Thats crazy

[@treyevans384]

Carmax will normally only give you trade in or close to trade in. That's not the place to sell it. Find used car dealer to help you sell it on consignment to get the most as possible and you cover the rest if it's any

[@JohnDiMartino]

The used market for an Audi out of warranty is never good. They are known as unreliable, super expensive to repair,and ppl are scared to buy one out of warranty. It has en engine light , 500 dollars would even pay for a diagnostics on an Audi ! It’s probably2-3x at the shop to fix it and 5k if he’s lucky . This guy would be fine if he got his wife to go to work 20-30 hrs a week for home, a bum shoulder socket is nothing compared to what some ppl work with every day.

[@taylamayde]

9/10 it's the notorious vw 2.0 tsi motor easy fix it just has carbon build up until they finally fixed it years later.

[@michiganpoke4772]

Carmax is a joke stay far away from them, as well as carvana

[@SolidLan]

Those EU cars are nothing but problems. Next time buy a Japanese car (Toyota or Honda).

[@davidl5037]

Used car + cash = problem solved. 😁

[@persevere6326]

I dont remember the last time I heard TWO people make something so simple so incredibly complicated Finally, there is nothing wrong with east way out

[@Cleo-ix2kd]

Never buy a German vehicle man. You’ve learned the hard way

[@JA-zh5xi]

Exactly - worst quality in the world

[@XxDiamond44xX]

@@JA-zh5xi not bad quality just over engineered

[@JA-zh5xi]

@@XxDiamond44xX when that over-engineering breaks = bad quality. Thus the massive depreciation German car owners experience.

[@fred89pj]

The worst. I drive a paid off Lexus. 0 issues

[@salimahmuhammad6271]

Oh I really enjoyed this episode. Thank you so much for explaining the process.

[@widmaierjean1302]

These guys are are literally saving you bro 🔥🔥🔥🔥🔥🔥

[@nephetula]

What any dealer (especially Carmax) will give you is always a poor idea of an automobiles worth. And if he owes $22k, I doubt he will get more than $15k - $17k selling it outright. Used cars are NEVER worth what you owe on them unless you make a BIG down payment, like 30% - 40%, and don't drive it a lot. AND...driving with the Check Engine light on could cause serious (expensive!) damage. That's a dumb thing to do unless you're driving a hooptie.

[@george6319]

When he asked dave how he was doing I thought dave was going to say better than you 😂

[@frozenfirestix]

as soon as he said Audi was luxury, I automatically knew he iwas in his 20's. Sure hope he learned this phased mistake!

[@taylamayde]

he's possibly right ....Audi AG (German: [ˈaʊ̯di ʔaːˈɡeː]) is a German automotive manufacturer of luxury vehicles headquartered in Ingolstadt, Bavaria, Germany. A subsidiary of the Volkswagen Group

[@frozenfirestix]

"ding or scratch, check engine light" and it's an Audi. yea, def not a car guy, and Audi is nothing to brag about so not sure what he's thinking..

[@dagobaker]

or his wife works 60 hours he works 60 hours and yall get the car fixed and its paid off in a year max...... and u have a nice car

[@Thedonron12]

Sell the car and the wife!

[@alanparedes2034]

Keep the car. Sell the wife.

[@wordman3624]

Buy a Toyota, man.

[@stevenlopez1717]

Kids names Seth: John: "DONT BURN THE CAR STEVEN"

[@Kaydiva318]

That’s going to mess up your credit

[@tonythoreson]

And don't sell to carmax

[@kylestokes4501]

I work with two Engineers that pay more than $1,200/mo for their Trucks. I drive a 2007 Jeep Grand Cherokee and 2008 BMW. That allows me to contribute my complete 15% to retirement, and carry some Index Funds on the side, and our IRA that we want to pay 20% down on a home one day. My wife doesn’t work. There’s no need to, because we planned well. So all my off time is spent together, working on my marriage, and yes-Marriage is Work, and we should all be WORKING OVERTIME THERE!!!!! 50% of Marriages END. I invest time and money consistently to make sure kindle that flame. May God Bless You Abundantly or Show you the way to Abundant Blessings as He’s shown me.

[@kingofrannoch]

It sucks when lifes good when you get the car then it goes downhill a year later and are struggling

[@cw5948]

This is like asking if you should get arrested and go to jail so you can get rent-free shelter.

[@Lifeisshortby]

He doesn’t know it but his wife is doing O.F.

[@zackf5120]

Dude is exhausting.

[@anthonyfalco2462]

Never understood people buying these old expensive cars when they have no money. If they researched just a little bit on the cars they would just get a Toyota corolla and never get another car cause that shit won't break in you

[@johnallen3497]

Pay your bills. You took out the LOAN, and you need to pay that back

[@larrythomas6068]

There's plenty of part time jobs.get one pay it off

[@marcenelj]

Pay your bills? But who's gonna pay my student loans too.

[@jdp486]

You mean like Dave Ramsey who declared bankruptcy?

[@bestrad2300]

@@jdp486 bruh, that was decades ago before he knew better.

[@dennisswanberg1718]

Thank you guys

[@jorgehern43]

My car got repo 23 years ago, now they want me to pay 5000 dollars, can they do that??

[@lot2196]

An Audi. Nuff said.

[@anthonyamato6367]

Pure junk.

[@avreypietila6960]

Since the man said stuttering im sure it’s a misfire and Abt 500$ would be the price to have that fixed at a shop

[@livinginoklahomacityofficial]

Why does everyone who calls this show think that selling their car WHOLESALE is the way out of a car loan?? This is the reasoning of people who will always be in debt.

[@christophercabrera1096]

Remember when there was no commercials on KZbin

[@Taylormademan900]

$500 to fix an Audi. That might get your oil and transmission fluid changed but if any moderate repairs you are looking at thousands and good luck finding the right mechanic. When my cvt transmission went oit two mechanics told me it's not worth fixing 😂 It's over when even a mechanic tells the truth about your vehicle