Dave, My Fiancée and I Disagree About You

[@TheRamseyShow]

Say goodbye to debt forever. Start Ramsey+ for free: bit.ly/35ufR1q

[@jonyoung6405]

“It’s her problem if you leave her. It’s your problem if you marry her” Choose wisely.

[@T25de]

😅

[@oroville12345]

Nice can I use that

[@reggiemstallify]

Dave said "I'm pretty good." Getting worried about him as he is not better than he deserves!

[@JamesJamersonIsAGod]

Haha, he gets super annoyed with bad phone connections, which is understandable in his profession. As the years go by he has less tolerance for it, if you notice he starts getting ready to drop the call right before it gets a little clearer.

[@LittleMopeHead]

He only say "better than he deserves" when the phone signal from the other side is clear.

[@a1onso427]

If she is mad from bringing up Dave, imagine when she finds out she is on one of his episodes...

[@SidraAdele]

😂

[@beataojwacompany5082]

😂😂

[@thelonepigeon6237]

😂😂😂

[@thelonepigeon6237]

😂😂😂😂

[@corrieschneider9687]

😂😂😂😂😂

[@dayvidsdays5644]

Financial compatibility is just as important as social compatibility in a relationship.

[@chatbass2468]

Say it again, so people really listen!

[@dayvidsdays5644]

@@chatbass2468 Financial compatibility.....lol 😆

[@josephcoatofmanycolors]

lol

[@karenstirling6347]

pi

[@dayvidsdays5644]

@@karenstirling6347 3.1415926

[@RyanG3189]

I just never understand how people can get engaged or married before talking about these important subjects first to make sure their goals align.

[@erickqwesibentilmanie2382]

Beats me too

[@MightyQuinnj]

Love googles have a way of blinding you. Sounds like this caller both loves her and has the maturity to see a red flag that needs dealing with before walking down the aisle.

[@KG-ud9ki]

right?!

[@markc.8566]

This is like 2ed date stuff for me lol

[@karenchikuku8773]

It baffles me too.

[@Black_Jesus3005]

Living paycheck to paycheck is the worst. Just getting out of that lifestyle should be motivating for her.

[@Ewoonation]

That sounds like too much effort for a lot of people and also people who don’t want to give up certain things like eating out or vacations while in debt even if it’s temporary. It’s immature thinking. People want instant gratification instead of long term.

[@Astro95Media]

@@Ewoonation Bingo. My ex-wife was (and still is) like that. We were broke the entire time we were married because she wanted to be reckless and I wanted to make her happy. Fast forward to four years post-divorce ... I'm a few months away from debt freedom while she's tripled her debt, not including the house she bought and can't afford. I know the kind of future I want and plan for it. She's still paycheck to paycheck.

[@generallordjowbra8871]

Its not her problem that he can't afford her - that's her attitude.

[@Astro95Media]

@@prometheuspredator7971 Still does.

[@Astro95Media]

@@prometheuspredator7971 I think it’s grief spending, honestly.

[@leathelandlady]

She's doing you a favor to let you know now that you're not on the same page about money. Definitely get this resolved before walking down the aisle. Good luck!

[@otrogreandcorgi9818]

yeah I'd say leave her in the dust. s*** testing before a marriage is a sure sign of a problem when you're married. plus this guy seriously needs to go out and get a trade or drive truck or something to save money to establish himself. 20 grand a year is basically welfare poverty money. Which makes me wonder if they're living off the system and he's just doing a maintenance job.

[@leathelandlady]

@@otrogreandcorgi9818 I noticed that $20k income too, but didn't want to come on him down too hard. I bet he lives at home.

[@techwithramsey]

She thinks its normal to be in debt all the time, while he knows its not

[@braddye4983]

Counter point, I had the exact same problem where my wife didn’t like Dave Ramsey’s method but she still worked with me to create a budget that is healthy where we pay off debt and save money every month. So you don’t have to both agree on a financial program but you both should agree on a financial plan.

[@kbanghart]

So true! My wife and I did Dave's class ages ago, and we both like the ideas but we have trouble executing. But recently I combined the idea of Dave's zero-based budget plus paying all bills In the beginning of the month, and it's working out great so far. In our specific case we get paid off weeks.

[@jameson6930]

Dave needs to make a dating site of financially responsible people.

[@classicler8309]

Caller: "My fiancée doesn't understand you, Dave." Dave: "Sell your fiancée!"

[@dks13827]

Eat more rice............and more beans !!!

[@johnlabry325]

Ha ha

[@melissapereira9879]

Omg these comments 😳 thank you

[@MikkosSoGone]

💀💀💀

[@amolgill7480]

They’ll regret it down the road. Dave Ramsey is a genius at getting out of debt.

[@pjf3837]

Only he will regret it.

[@ike.mp3665]

wait did he say hes making 20 grand a year at age 30 ? was expecting Dave to start talking about his income problem

[@kateg9437]

The guy wasnt asking about how to get out of debt, in which case Dave would talk about increasing income. The caller wants advice on how to get his fiance to have the same outlook on debt as him. They are different issues, and increasing his income will not change that

[@pimaggot]

I know this is like a 600 pound man telling his wife to lose weight. She needs to run 🏃‍♀️. This is someone that has no motivation and wants to control someone else.

[@chemquests]

She might not want someone broke telling her how to manage money

[@adolpholiverbush5867]

Dave he makes 20k a year. He can't afford a marriage counselor. He needs a real job and a real girlfriend.

[@whereschloevids]

I caught that too. Being in his 30s and making 20k is the first thing that needs to be handled. He can’t change her, but he can improve his situation

[@otrogreandcorgi9818]

if this guy doesn't have kids the best thing he could do is leave this chick in the dust. get a van and a gym membership and learn a trade or drive truck to establish himself. I mean heck even learning to code is a great job. But this chick sounds like she's already s*** testing him over things that don't matter. A defiant woman before marriage is a definite red flag. if she can't even keep the act up before the rings on. just imagine how bad she'll be after the marriage.

[@chuckbenger8918]

@@otrogreandcorgi9818 totally agree man. She sounds toxic and he needs to focus on himself.

[@Faith-un7ns]

Even if he was making more money it sounds like he doesn’t like the idea of being into debt. The real issue is she doesn’t want to talk about it almost like she has more to hide. This needs to be dealt with before he marries her or else it will only end up in divorce anyway.

[@EarlyBirdCraft]

@@Faith-un7ns I agree. Seems like she has more to hide.

[@1021Marcy]

Dave Ramsey needs to make a dating app or service. This is a common problem when dating.

[@squishycaroline]

My husband and I found Dave when we were engaged and thankfully we are now debt free and have financial freedom 😎

[@mirjanaskoric3385]

She probably has more debt than she let on...

[@MightyQuinnj]

If true, that's another red flag. Trust issues too

[@JJs_playground]

I think so

[@johnsteele8073]

Absolutely

[@untouchable360x]

She probably has a higher body count than she claims.

[@slaughterthefalsegodempore9274]

@@lmnop01 Oh no get wrecked or Go Red Pill not a joke. Be careful dude.

[@jamescadzow9545]

Emotional Intelligence has no correlation to age..

[@kslucki]

Yes and no. Emotional intelligence can be developed with experience.

[@foodlover8078]

Financial problems is the number one reason people get divorced. So... have a talk with her before you guys get married.

[@SamuelsReview]

I'm so glad Dave brought up counseling because the issue could stem from childhood financial trauma. Hopefully the couple uncovers and resolves the issue.

[@SamuelsReview]

@@michaelpalumbo4880 No one is perfect and not all projects are hard.

[@ktsterlin9304]

This is a communication issue. He doesn’t even know what her real problem is. I’m a stan of the baby steps but I know it’s possible to win with the money with slight variations because there are testimonies everywhere. Don’t let The baby steps be the hill you die on if you can come together on what your real goals are. Also, he slipped in there that the income was $20,000...is that projected household (I hope not) but even just for the guy, that will eventually be an income issue. Maybe she doesn’t see the route to get out of debt past the lack of current resources. There’s so much that only having one side of this conversation just can’t get through, but when they start having the conversation and learning about what is really the root of the issue, they can decide if this is where they cut their losses.

[@whereschloevids]

So well said.

[@God.Almighty]

it's strange but single independent people are on the same exact page with themselves on all matters and have a 0% divorce rate. someone needs to study that and figure it out.

[@jasontrautsch2373]

Some people contradict or disagree with a plan, just because it wasn't their idea. For example: "Nobody's gonna tell me what to do".

[@eprofessio]

I turned my wife onto your show years ago and we are debt free besides our house. It took some time, I would play your show when she had no choice to overhear then little by little I started forwarding her you video. One day the light came on BIG TIME and she got on board! Thank you Dave!

[@chezshirecat1872]

I admit I was a little slow to joining Dave, but it’s been amazing since joining his program. I will be debt week on the 1st and looking forward to a debt free life.

[@brianparrish4649]

Relationship advice: dont look for a person who has potential because that's unpredictable. Look for the patterns a person has. That will tell you all you need to know

[@naomiwilliams8850]

This is one of the best relationship advice. It's easy to full victim to potential when you are young because everyone is at the start of their journey to achieving their goals

[@brianparrish4649]

@@naomiwilliams8850 so true Naomi. It is better to be by yourself then be with someone with the predictability of a rattle snake. One moment you're fine, the next your fighting for you're life and you may lose it. Stay Blessed!

[@morallygray6527]

based

[@kbanghart]

I chose based on my heart, not my brain. No regrets and still happily married for 23 years.

[@Thompson_sports_med_official]

I’m glad my gf and I both like Dave Ramsey 😂

[@kbanghart]

We both do too, but we don't always execute like we should

[@ATCagil]

pre- marriage counseling, really good advice. I wish I knew this 21 years ago.

[@TeKnoVKNG23]

30 years old and making 20k, the issue isn't the fiancé.

[@otrogreandcorgi9818]

I agree. I mean if you're only making 20 grand a year get a van and a gym membership. and stop paying rent and get a trade or drive truck. A dude that isn't established shouldn't even be considered by a woman. The whole situation kind of makes me wonder if she's living on Section 8 and he's just couch surfing. 20 grand a year? what is that part time at a subway?

[@juliettezea9507]

@@otrogreandcorgi9818 why should a guy like that not he considered by a woman? But a woman who only makes that amount of money a year, it’s not a big deal?

[@jackkelly4032]

When I approached my wife about Dave she told me it was ridiculous and pointless. We were just going to be broke. It was impossible for us. It’s just the way it is. We had about 40k in consumer debt plus the mortgage and no money. I pleaded with her to give it a try. Just do it for me, if it doesn’t work we can go back. She finally broke down. Fast forward only four years. We just bought a house twice the size of our old one(impossible), have no debt besides the mortgage(impossible). Three paid off vehicles and a paid off Harley and we inverted our 40k debt into a 40k of emergency and sinking funds. After about two months she completely changed her tune and today she keeps me in check. It works. There is no question. Our household income increased about 60k as well. It motivates you on all sides. And of course we are in filling those 401s.

[@dricedt]

Ken standing up for his opinions a bit more. I like this.

[@tinawelch2545]

Based on the title I already know that someone chose death.

[@ab_shootin]

Take it from a guy that walked down that road.....dont do it....if she doesn't agree with the vision you have ruuuuuunnnn!!!! I paid for it. Also she too old talkin bout not agreeing to be debt free

[@TAPPChannel]

I can't believe to see people complain but todays world has most opportunities ever! At age of 38 I wish I was 25now but from the other end I'm glad I'm not 50 :) Keep your head up guys!

[@redman3583]

Well said. I am 38 and could not have said it better.

[@steve03260]

This statement should be MY EX FIANCEE and I use to disagree with Dave .... YOU don't need all of that NEGATIVITY in your lif, buddy!

[@matthewreddy5615]

What a great video. Both had great points that came together nicely

[@jin8640]

i’ve been watching dave for a couple of months now and all this has me stressing out and i’m single 😂 choosing a life long partner is sooo important

[@unities82]

Dave already gave you the answer. RUN

[@untouchable360x]

This guy needs to get his income from $20k to $200k and then find someone new. He'll have more options.

[@slaughterthefalsegodempore9274]

Oh no you will loose both money and a woman but you loose both.

[@kbanghart]

@@slaughterthefalsegodempore9274 not me

[@kbanghart]

200K?? Nah

[@clownunchained5872]

Love this advice. ”If your poor, just get some more money and then ur not”

[@Matthew-et6lc]

This dude will get financially wrecked by this woman. Guaranteed.

[@RiggyRonnie]

Probably already is lol

[@CautionBeforeCoffee]

Dave’s nice until that he hits that mute button 😂😂😂😂

[@TheLuxeTraveler702]

Lol!!! So true !!🤣🤣🤣

[@ClaxtonBay123]

0:30 Either Dave is the problem or your "finance" is the problem. Get rid of one. Problem solved.

[@patricksanden3575]

I think part of what would help her, would him leading by example. Him starting out at gazelle intense. Him knocking out his debt and getting to Baby Step 3. She knows him in the now, knows the lazy side and the debt side. By him showing out and going gazelle intense, it shows her that she doesn’t know him all the way, and seeing his fire could spark a fire in her too.

[@TeKnoVKNG23]

Or she just figures out he'll pay for everything and her debt becomes "their debt" for him to become gazelle intense about.

[@wolfalpha2862]

Don't get married. Problem solved...

[@Jeramithehuman]

A crackling phone call makes Dave not better than he deserves it only makes him pretty good

[@fabbz94]

Man this made my day 😅🤣 thank you!

[@ravinakaushal1265]

These two have great chemistry.

[@mr.e5791]

Why would you love anyone to death? 🤦🏽‍♂️ That's the beginning of your problems

[@realbrianh]

it blinds you

[@josephcoatofmanycolors]

😂😂😂

[@bartlipetri6895]

Had a similar onboarding problem. I chose to lead by example and start dealing with my own debt transparently. Signed up for FPU and she came along (likes to socialize). Sell the dream, not the chore. Working out so far; we are at BS3B and BS2.

[@don1738]

This dude seems like the kind of guy that says yes maam to his gf

[@ChrisMFlorida]

whipped like whip cream.

[@otrogreandcorgi9818]

the guy sounds like his girlfriend is on Section 8 and he's living in her house. And basically she already knows that he's completely replaceable. Because usually women will try to keep the act up until they're married.. And that's a lot of motivation these days to never put a ring on a woman's finger. They need to change the laws and give some better asset protection to incentivize more men to want to get married.

[@kbanghart]

Maybe he needs to lose everything to realize he should leave her.

[@gerardopliego-financevideo8214]

taking notes, dont ✍️ ramp ✍️ it ✍️ up ✍️

[@nathanbishop1999]

You guys will be financially free by the end of this year. I believe in you!

[@chiaraippoliti]

Now if the only income is his 20K income. I hope she brings in more than that.

[@adrianmorales711]

“Sell her” 😂

[@Je.rone_]

medical debt sucks, one of my biggest financial fears, but not living paycheck to paycheck is fairly simple especially if one doesn't have kids. Spend less, earn more. Something being Simple doesn't necessitate that it be easy btw

[@aolvaar8792]

You don't have insurance/coverage?

[@sophia4christ]

Which sensible person doesn't want to be debt-free, financially independent, and being able to bless your family, friends, associates, and your world? Smh

[@Huschai3]

They barely have any debt!!! They can get rid of their debt within a year!!!!!!!!!!!! 😱😰🤯🥵😓🙄

[@realbrianh]

its not about the debt its about something much more important than that

[@historiqueafricaine]

I thought about that too

[@naomiwilliams8850]

It's about their different mindset to debt not the amount of debt they have

[@Huschai3]

@@naomiwilliams8850 I’m well aware of that lol

[@littleripper312]

I agree with them, this guy needs to actually listen and ask the right questions of his wife and find out what her resistance is. Right now he's just talking at her and not really listening, you're never going to change her mind when you don't even know what's causing the resistance.

[@sricardo8223]

Put a pause on it!

[@MillionaireMindsetClub]

Disagreeing with Dave is a dangerous game!

[@perotal]

How so

[@teamtakeover7317]

What do you mean MMC you disagree with him all the time. Ive seen your comments about getting debt because interest rates are low. Thats in disagreement with Dave.

[@MillionaireMindsetClub]

@@teamtakeover7317 Dave gets angry when you disagree with him. That's was the context of my comment.

[@too-da-loo]

This should be an open, honest conversation about why she does not think it is a good approach. Forget DR and look at the plan.. I may not agree 100% with his approach, but it is a great foundation for people new to all this. You should be able to discuss each point and figure out what her issue is and the solution to the problems.

[@kslucki]

Money, Religion, In-laws, Children! - topics to agree upon BEFORE marriage. Whish more people knew that, including myself.

[@juliettezea9507]

What about in-laws?

[@kslucki]

@@juliettezea9507 these are the topic Dave listed in the video. I'd guess, partners to agree on how much influence (if any) the in-laws can be allowed to have. Boundaries basically.

[@et1016]

It’s so interesting how none of these guest hosts have the balls to disagree with Dave. It’s like they’re afraid to contradict him. 😏

[@1486230]

I have a feeling his whole organization is like that.

[@random-nz7dy]

@@1486230 yeah that's what a lot of people who work there imply. It's not surprising. Dave's whole thing is "hardline advice". Basically his brand has been sticking to the same guns no matter what. So I don't imagine he would want co hosts disputing his advice.

[@nathanbishop1999]

They can disagree on certain things, but overall your budgeting platform works.

[@IlFree]

Ahhh man, here we go !

[@MightyQuinnj]

NO. 1 cause of divorce

[@Kyle5K]

She had hidden debt.

[@polyglotsjourney]

Set up your goals and then find the method to achieve them...

[@integralx1988]

Love these SIMP calls. Dude

[@EarlyBirdCraft]

I don’t understand what her problem is with paying off debt and saving money for emergency.

[@ILUVGOLF]

Please STOP interrupting each other and give and take in a conversation!!! It's so annoying. Dave needs to shut up and let the other host speak.

[@ChrisMFlorida]

Now when does Dave stop talking? C'mon man!

[@diannathornton2911]

It's HIS show. This guy has this job because of DAVE

[@littleripper312]

Don't expect someone to change the way they've viewed and done things their entire lives over night. Even for me it took quite a few Dave Ramsey videos before I got on board

[@zylo6283]

I ain’t disagreeing with Dave any time soon

[@jeffdorris5321]

Nice work 🦋🦋🦋

[@ryant2568]

Me and my wife are very different people when it comes to money, I am a spender and she is a saver but we are both on the same page when it comes to our financial goals. You need to make sure you are both on the same page with your goals or you will never be able to design a plan to reach them, whether that is the Dave Ramsey plan or a completely different one does not matter if you are not on the same page.

[@elbarto9458]

Wow, there has to be someone that you could help that gets a good connection so we know the problem. I tune right out when someone calls with a bad cell phone connection.

[@jessie7601]

Money is definately major when thinking of getting married. Its so frustrating to be with someone who likes spending and is not a saver.

[@joshbakowski9721]

They never learn

[@thesetrash5083]

Leave her already. She just want a sugar daddy.

[@bobbyb7672]

Run!!!!!

[@jmc8076]

At least they can figure this out before being married and legally combining finances (incl debt) and children. Good luck to them. I hope it works out for both no matter what.

[@josephcoatofmanycolors]

Praise GOD, if you have a girl that love being cheap, you know your future’s are Good.

[@redclayscholar620]

Flip side: she had low standards and no values. Cheap does not equal good.

[@timothytarango1919]

Just run. Don't even ask her anything just run cause I believe thats a red flag

[@brianvandy4002]

I'm in 100% the same position.

[@nathanbishop1999]

She sounds like a know it all, like everyone else is wrong and she is right. It is a bummer that people don't open up to new things

[@MightyQuinnj]

Sounds like she doesn't want to be on a budget. Her excuses are just a smokescreen. And logic is NOT going to influence her behavior. Sorry, but Dave's right, she has a princess mentality and they needs to get counseling. And walking away needs to be an option.

[@nathanbishop1999]

@@MightyQuinnj I agree with you, no offense to whoever she is but it defiantly sounds like a me me me situation

[@MightyQuinnj]

@@nathanbishop1999 now, it could be that the problem is that the caller is using Dave as a curse word. But counseling should bring this issue to the light one way or the other and they can move forward accordingly.

[@gardenofe12]

I think this guy needs to think about what he wants in this relationship with regards to finances. She seems to have no desire to do a budget nor does she care and when $hit hits the fan you or she will be calling back to say you’re in $100k in debt and how to get out of it !! 🙄🤷‍♀️

[@Jay_LeCaprio]

Red Pill forever 💯

[@ChrisMFlorida]

Jay knows.

[@Pantera972]

It's all about alpha male strategies. Every man should look him up on KZbin.

[@Jay_LeCaprio]

@@Pantera972 AMS is the goat 💯

[@kristinasterling3583]

Snip snip>

[@alumsey4013]

It’s as simple as she doesn’t want to. Accept it or move on.

[@JaredGrenfellMusic]

If you have to choose between financial responsibility and a girl... there are other fish in the sea. Do not compromise.

[@THEBRYANMAN360]

Sell the fiancé live on beans and rice, rice and beans

[@ewitte12]

The only difference I've had is I'd rather take 10-20% longer than put 100% effort and not have a life or eat poor quality food that leads to higher medical expenses. Dave's advise still helps to weigh pros and cons and decision making.

[@johnsteele8073]

Dude.. run. Find yourself someone young enough to have kids.

[@emsiesenvelopes]

Ouch! She's only 30/31!

[@chiaraippoliti]

Ew and how do you know they even want kids?

[@johnsteele8073]

@@emsiesenvelopes 90% of her eggs are dead. Fertility way low. If you're a 30-year-old unmarried woman sorry game over. The wall remains undefeated.

[@juliennetully4814]

@@johnsteele8073 people these days are naturally having children in their late thirties and early forties

[@johnsteele8073]

@@juliennetully4814 fertility drops off sharply after 25. Stop selling other women a bill of goods. Do some research and get back to me. Late 30s and 40s? you mean exponential chances of birth defects even if you can get pregnant and a very difficult pregnancy.

[@tvrao878]

Nine minute clip summed up: Millennial Women

[@lynnebucher6537]

I wish I'd heard this advice before getting married. Silly me, I thought love was enough.

[@digitalbrand5510]

As a bear, I’m offended

[@linhaton4957]

It takes more than love to have a successful long term marriage.

[@samlee6152]

There’s a reason why money is the #1 reason for divorce

[@FlowsBro]

I'm not even a consistent viewer of the show but the younger co host feels like he never Shuts up

[@dannyh9010]

They should go through Financial Peace University together BEFORE they get married. If she won’t go, there’s your answer.

[@stephenshapiro8404]

If she is unable to compromise, ditch the perma brat.

[@Huschai3]

We all know who’s right.... DAVE! Lol

[@gingergann3934]

I'm their 30's and a combined income of $20,000 a year? They have a serious income problem.