My Company Forced Me To Buy A Car I Can't Afford!

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The Ramsey Show Highlights

The Ramsey Show Highlights

Күн бұрын

Пікірлер: 418
@erimei8478
@erimei8478 2 жыл бұрын
Something about this kid sounds so genuine and down to earth. I hope he finds a better opportunity.
@bettysmith4527
@bettysmith4527 2 жыл бұрын
Agreed, he sounds like his parents actually taught him how to be a man, he just needs to be patient on the house buying.
@jaygrenham
@jaygrenham 2 жыл бұрын
@@bettysmith4527 agreed. Sounded like a great young person who just needs a better opportunity
@matthewgardner2144
@matthewgardner2144 2 жыл бұрын
@@bettysmith4527 The married-and-pregnant-at 20 doesn't seem so great though. He's a kid, wanting a middle class life. Props to him for being so responsible and such a hard worker though.
@charlesg7926
@charlesg7926 2 жыл бұрын
I don’t mean to be rude, but he sounds like an idiot. No smart person would take a job like that. He sounds like a good person, but a dumb one
@bettysmith4527
@bettysmith4527 2 жыл бұрын
@@charlesg7926 He is young Chalres, young people are stupid, you gain wisdom as you age, at least he is a hard, motivated worker!
@maxpayne044
@maxpayne044 2 жыл бұрын
I’m hardly ever shocked, this one did it. Wow, my man needs a new job.
@tomcat8662
@tomcat8662 2 жыл бұрын
Right. He never should have accepted the job in the first place under those terms. Unfortunately this is the conundrum of living in a rural area. You get the advantage of having peaceful surroundings and cheap land. But the economic opportunities are basically nonexistent. He probably needs to move.
@alp.9672
@alp.9672 2 жыл бұрын
@@tomcat8662 Bingo! Then people always say things like if it’s so expensive move out of the city lol.
@mqayyum9226
@mqayyum9226 2 жыл бұрын
I lost it when he said that it needs leather seats so it can be disinfected. Man the employer is really ripping off this poor guy.
@TheSwissChalet
@TheSwissChalet 2 жыл бұрын
That's the BS FDA regulations that are killing farmers.
@666dynomax
@666dynomax 2 жыл бұрын
vinyl would have been cheaper
@yamamancha
@yamamancha 2 жыл бұрын
It's like he's getting scammed by his own employer. He's paying their operating expenses.
@1Nevergone
@1Nevergone 2 жыл бұрын
I don't agree. Sounds like one of the necessities of the job is to have reliable transportation. It was this kids CHOICE to go buy the truck. He should have realized that he didn't have the requirements in a vehicle needed to do the job so he should have moved on. I don't believe the employer MADE him go and buy the truck, I believe the kid just made a bad decision in doing so, he could have said no but again, he chose not to.
@UKtouch
@UKtouch 2 жыл бұрын
@@1Nevergone and if someone doesnt already have reliable transportation, the company should have provided it.
@1Nevergone
@1Nevergone 2 жыл бұрын
@@UKtouch That’s a very general statement and not necessarily correct. Regardless, he still knew what his financial situation was and how unrealistic it was in that situation to go out and buy a truck. Those were all choices he made, no one forced him to do it. Upon learning he would need to buy a truck, he should’ve said I’m not in a position to do that so I’m gonna have to find some other type of employment.
@612osiris
@612osiris 2 жыл бұрын
@@1Nevergone How do you know that how it happened? 🤡 You are probably the employer that forced that poor guy into debt 🤣
@1Nevergone
@1Nevergone 2 жыл бұрын
@@612osiris it’s called common sense. “Poor boy?” Did the employer have a gun to his head and force him to take the job knowing he’d have to buy a car even though his financial situation clearly wasn’t in a place where he should be buy one? You can call me a clown if that somehow makes you feel better but I’m just simply giving my two cents and if you’re unable to have a basic conversation with another adult without calling them names that says much more about you my friend. 👍
@FrankS111
@FrankS111 2 жыл бұрын
Absolute rubbish. I’m usually on the side of employers as it is “at will” employment. But these clowns are absolutely scamming him. He’s better off working in a fast food place. $15 / hr, signing bonuses, some offer benefits and retirement plans.
@bmaiceman
@bmaiceman 2 жыл бұрын
$15 an HR in fast food????? REALLY??? WHERE???? Not near me that's for SURE!!
@brandonjohnson3894
@brandonjohnson3894 2 жыл бұрын
I live in Massachusetts and I seen fast food places hiring for 18/hr plus all the time, aswell not long ago there was a kfc/Taco Bell offering a 1,000$ sign on bonus
@gatewaysolo104
@gatewaysolo104 2 жыл бұрын
@@bmaiceman that's the starting rate for 14 year olds here in Ohio. Gotta love bidenflation.
@bmaiceman
@bmaiceman 2 жыл бұрын
@@gatewaysolo104 ya ok so earn $15 an HR. But make 20hr weeks I bet..... You don't see that hear. No way.
@612osiris
@612osiris 2 жыл бұрын
@@bmaiceman You leave in the middle of nowhere that's why you don't see it. Live a little bit and you will see all the advertising.
@soni05131
@soni05131 2 жыл бұрын
Awe they are just babies. God bless them both and hope things work out for the best.
@ricolewis2949
@ricolewis2949 2 жыл бұрын
Don’t Say AWWWW
@Deanooooo
@Deanooooo 2 жыл бұрын
Married too young
@sneakerfreak2002
@sneakerfreak2002 2 жыл бұрын
Thats just a really cringey thing to say
@willelliott5052
@willelliott5052 2 жыл бұрын
The rent to own "opportunity" is a financial mirage just like his job. He needs to get better at analyzing financial matters.
@theirmom4723
@theirmom4723 2 жыл бұрын
Thank you...that is one of the oldest home "buying" scams out there
@percivalgooglyeyes6178
@percivalgooglyeyes6178 2 жыл бұрын
I'll bet the owners of this guy's company are making bank and doing quite well for themselves and living the American dream.
@Piccolo_Re
@Piccolo_Re 2 жыл бұрын
This is what most of the people who look like they’re living the American dream do: they exploit other. This is why we are reminded Biblically not to pursue worldly things and love money. It corrupts those who do.
@MatthewChapmanYT
@MatthewChapmanYT 2 жыл бұрын
Like most business owners lol
@darinherrick9224
@darinherrick9224 2 жыл бұрын
Since the American Dream is to get rich exploiting others I would agree with you.
@alinatamashevich3354
@alinatamashevich3354 2 жыл бұрын
@@darinherrick9224 Wal-Mart?
@robertbell525
@robertbell525 Жыл бұрын
Walmart would be more lucrative.
@Cleo-ix2kd
@Cleo-ix2kd 2 жыл бұрын
Can’t afford any of our bills, we know nothing about managing money. We are 20 and 21 so let’s have a baby! People are redic.
@mph5896
@mph5896 2 жыл бұрын
He never said they could not afford the bills. Best time to have kids is when you are young.
@perotal
@perotal 2 жыл бұрын
@@mph5896 keep encouraging this nonsense
@buttscratcher
@buttscratcher 2 жыл бұрын
@@mph5896 figuring out your passion and working towards your future is the best time to do it when you're young. kids will get in the way of that
@mph5896
@mph5896 2 жыл бұрын
@@buttscratcher Some peoples passion is having a family and taking care of the family. Kids aren't a burden on them. Do what works for you.
@MovieJustin
@MovieJustin 2 жыл бұрын
@@mph5896 just because you did it stop telling people to put the cart before the horse that is why so many people are in trouble today.
@purplerube1038
@purplerube1038 2 жыл бұрын
It’s Mankato Minnesota, I live in the same town he could make more working at the Walmart Distribution center in town
@jordanmcmurray5785
@jordanmcmurray5785 2 жыл бұрын
I was fortunate to have grown up decently well off in rural Missouri. That said about half of my friends families were in agriculture. Sad to say this is exactly what this industry looks like. It’s built on the backs of immigrants and the poor. People with no better opportunities in areas like that. Some wise up and move away exactly like Dave is saying to do.
@patty109109
@patty109109 2 жыл бұрын
Dude said he isn’t open to moving away so I guess this is what he gets. I had to leave my home town when I was starting out.
@612osiris
@612osiris 2 жыл бұрын
@@patty109109 Yup, sometimes you need to make sacrifices in life.
@jason76065
@jason76065 2 жыл бұрын
I went to college for heating and cooling and the town I grew up in only had one company that did Heating and Cooling and the company in this town wasn't hiring so I had to move 40 minutes to a town that had a company that was hiring
@adrodog17
@adrodog17 2 жыл бұрын
'you're paying them to work there' Ouch. Feel for him, he's only young and this company is ridiculous
@kara2162
@kara2162 2 жыл бұрын
They took advantage of him for sure.
@tannerrobertson9988
@tannerrobertson9988 2 жыл бұрын
It is sad situation that he could probably quit, sell the truck, file for unemployment and make more net. Most states pay unemployment to people who leave if they had good cause. And I am sure some States would agree he has good cause. He just doesn’t have a view of the horizon of better opportunities yet. If he really can’t get a better job in his area, they should move, in my opinion.
@charleskayser4646
@charleskayser4646 2 жыл бұрын
Didn't he say they were paying insurance and making the payments? I know its besides the point but if he financed it for three years he could stay ahead of the depreciation and come out with a paid for truck
@Sizukun1
@Sizukun1 2 жыл бұрын
They pay the insurance and some "minimum payment". Essentially he's getting a stipend for the truck. Yes he went into debt for the truck but they're paying for it every month. Its dangerous if he quits or gets fire, but if its stable and he's there long term he essentially gets a free truck. I think this entire clip missed that point.
@PanchoSmitty1122
@PanchoSmitty1122 2 жыл бұрын
They pay insurance and a mileage per diem which is basically they take all the gas prices in the area, average the cheapest ones and pay him for 75% of his travel. This is part of his total income, so his base is probably somewhere in the 18-20k range when that’s accounted for. That’s why Dave was saying he’s paying them to work there because once taxes, bills, and groceries are accounted for his annual savings is probably $5k or less.
@Sizukun1
@Sizukun1 2 жыл бұрын
@@PanchoSmitty1122 Not sure where you're making those assumptions. Many companies default to the 56 cents per mile IRS number, I know someone working for oil companies that get paid $1.50 per mile without a stipend for their vehicle because it isn't explicitly used for work. I'd say we probably didn't get enough information, but this isn't uncommon for field workers like this and so very rarely do they actually pay extra just to work at their own job.
@kenike007
@kenike007 2 жыл бұрын
@@Sizukun1 ...What good is a truck after all those miles..the cist of fixing breakdown will be more than he could handle...and not to mention the parts will be if not already near impossible to get.
@cooleobrad
@cooleobrad 2 жыл бұрын
@@Sizukun1 I guess the question is how much are the minimum payments and what happens when the truck has so many miles that it's unusable? Bc if the employer isn't going to pay off the truck for 3+ years, you're looking at a truck with 180k+ miles that is gonna be worthless. At that point is the caller going to have to keep making payments on that old truck while he buys another brand new one that the company will make min payments for?
@The.AI.Finance
@The.AI.Finance 2 жыл бұрын
Time to find a new company
@pspwilliams
@pspwilliams 2 жыл бұрын
Right
@blackonblack...9244
@blackonblack...9244 2 жыл бұрын
He's gotta look. Opportunities are out there. You just have to get out of his comfort zone.
@The.AI.Finance
@The.AI.Finance 2 жыл бұрын
@@blackonblack...9244 absolutely, it never hurts to try
@stevenporter863
@stevenporter863 2 жыл бұрын
Absolutely. It might mean looking outside the small town they live in but he seems reluctant to do so.
@casualleviathan5926
@casualleviathan5926 2 жыл бұрын
No they didn’t.....you got talked into it.
@pspwilliams
@pspwilliams 2 жыл бұрын
Sound like it
@Aaron-fb1pq
@Aaron-fb1pq Жыл бұрын
I’m an outside salesmen, we’re not allowed to drive beaters. They give us a 700 a month car allowance. Is what it is
@neolithic3
@neolithic3 2 жыл бұрын
He makes it sound like a 600ft apartment is so awful. Plenty of people in large/expensive cities live in apartments of that size.
@BernardinD
@BernardinD 2 жыл бұрын
Dave's face at 6:01 🤣🤣
@zacharybohlman4069
@zacharybohlman4069 2 жыл бұрын
Right? *Doubled* to $17k?!
@theirmom4723
@theirmom4723 2 жыл бұрын
He is screaming in his head...how do you double zero
@TheConjurersTower
@TheConjurersTower 2 жыл бұрын
"St. Peter don't you call me cuz I can't go, I owe my soul to the company store..."
@sandyarizona3471
@sandyarizona3471 2 жыл бұрын
I am finding mostly minimum wage jobs that require me to pay their expenses by having to buy computer and phone equipment or a 60k truck to do the job. All too common right now. No hourly worker should be required to buy equipment for the employer.
@erikkahopkins6779
@erikkahopkins6779 2 жыл бұрын
Or they want you to do 1099 absolutely not
@alp.9672
@alp.9672 2 жыл бұрын
@@erikkahopkins6779 yea 1099 so they don’t have to give you benefits and insurance
@mattmiles9779
@mattmiles9779 2 жыл бұрын
@@alp.9672 Your revolution is over. Condolences. The bums lost. My advice is to do what your parents did; get a job, sir. The bums will always lose. Do you hear me? The bums will always lose.
@ButtmanAtHeart
@ButtmanAtHeart 2 жыл бұрын
@@mattmiles9779 😂😂😂 i hear you. loud and clear. loud. and. clear… 😂😂😂
@mattmiles9779
@mattmiles9779 2 жыл бұрын
@@ButtmanAtHeart Funny-I can look back on a life of achievement, on challenges met, competitors bested, obstacles overcome. I’ve accomplished more than most men, and without the use of my legs. What? What makes a man sir?
@BetYouHateMeNow
@BetYouHateMeNow 2 жыл бұрын
They took advantage of a 21 year old with little to no financial knowledge, told him he needed "dependable truck" to run their operations(and pigeon holed him. He is too broke to leave and find a better job without risking default).
@pedlpower
@pedlpower 2 жыл бұрын
It's the old "company store".
@sethauld6708
@sethauld6708 3 ай бұрын
Employers doing this to people is inexcusable
@gavinv4807
@gavinv4807 2 жыл бұрын
Ken, what an insightful, noncardigan-wearing gentleman you are.
@homeslice4551
@homeslice4551 2 жыл бұрын
What's wrong with cardigans?
@cutehumor
@cutehumor 2 жыл бұрын
Ken is styling and profiling
@gavinv4807
@gavinv4807 2 жыл бұрын
@@homeslice4551 Nothing. The problem exists more with Ken wearing a cardigan rather than the cardigan itself.
@mattmiles9779
@mattmiles9779 2 жыл бұрын
@@gavinv4807 Your revolution is over. Condolences. The bums lost. My advice is to do what your parents did; get a job, sir. The bums will always lose. Do you hear me? The bums will always lose.
@thomasjefferson5727
@thomasjefferson5727 2 жыл бұрын
He said the employer makes the payment, pays mileage, and pays the insurance... only thing not mentioned is maintenance. Shouldn't be costing him anything.
@Argedis
@Argedis 2 жыл бұрын
The employer is basically pretending to pay for the trucks expenses by paying him $30k which is $14hr. The dude is the one paying for the employers expenses. Maintenance still falls on the guy. Maintenance for 60k miles/yr. That's tires, brakes, alignments, filters, spark plugs, fluid changes, etc.
@rayjgold
@rayjgold 2 жыл бұрын
Thought I was the one who heard this.... The job is paying for the car.....seems like a good deal to me.
@alp.9672
@alp.9672 2 жыл бұрын
@@rayjgold how is it a good deal fool? He is making 2400 a month
@rayjgold
@rayjgold 2 жыл бұрын
@@alp.9672 does calling another "fool" make you feel smarter?
@sullimd
@sullimd 2 жыл бұрын
And federal mileage reimbursement is .50 per mile I believe. So that should be $2500/mo in reimbursement, plus insurance, plus the truck payment. And he said he makes $2400/mo. Somethings not right.
@ladev91
@ladev91 2 жыл бұрын
The value of the truck is going down faster than he can pay it off. By the time the truck is done working, he will still be making payments. Seems like a very bad deal! Get out!
@TheCobruhAlienat0r
@TheCobruhAlienat0r 2 жыл бұрын
I mean as long as he didn't get an American truck it will still keep going. There was that Tundra that made it to a million miles with basic maintenance.
@SchwangerYT
@SchwangerYT 2 жыл бұрын
Time to get a new career
@havuckofp
@havuckofp 2 жыл бұрын
This is reality for quite a few Americans
@5trace
@5trace 2 жыл бұрын
They are paying for the truck he said.
@theirmom4723
@theirmom4723 2 жыл бұрын
No...they are giving him truck pay...in other words nontaxable money to make the truck payment. That amount is not always the actual payment of the vehicle. That is why he said minimum payment. In other words, he is still having to put some of his reg wages into paying the truck each month
@Forestdawg1791
@Forestdawg1791 2 жыл бұрын
I’ve had jobs like this where this truck thing was an option. It’s varies but usually it’s a lump sum payment of $450 per month and they pay back $.30 a mile. Out of that payment you’re supposed to be pay off the truck within four years. Ideally that is what should be happening here but they might just be doing .59 mileage and hoping he didn’t notice.
@johnSmith-uz8nl
@johnSmith-uz8nl 2 жыл бұрын
Yah, I disagree. I think the mileage reimbursement is greater then what the IRA allows since it is a truck. I have never heard of a monthly sum and then low mileage reimbursement when you are using your own car. But even at 60 cents that is $36k per year.
@matthewlangley3524
@matthewlangley3524 2 жыл бұрын
I doubt his car situation is entirely on his company. This guy doesn't even grasp the baby steps.
@Jim_Curtis
@Jim_Curtis 2 жыл бұрын
What is it lately with Dave cutting Ken off from saying something? It shows his lack of respect for Ken. He doesn't do this with John, George or Rachel.
@IA-py9by
@IA-py9by 2 жыл бұрын
Yes you are right...never seen him do that to Rachel ...and she is not really good at answering questions...she says mainly same thing over and over.
@sandramulchahey8268
@sandramulchahey8268 2 жыл бұрын
Yes, it really is rude
@Jim_Curtis
@Jim_Curtis 2 жыл бұрын
@@IA-py9by Yeah I don't find Rachel or George to be that great to listen to by themselves.
@johndone8045
@johndone8045 2 жыл бұрын
Salary is low, but they pay for the truck and insurance
@bradleymaravalli2851
@bradleymaravalli2851 2 жыл бұрын
I hope you find a better job man. You sound like a good man!
@Maddteddy049
@Maddteddy049 2 жыл бұрын
sounds like they dont like him. who in their right mind would do that, he was supposed to turn it down.
@Goon94
@Goon94 2 жыл бұрын
How about vinyl seats and floors like in my work truck, cheaper that cloth seats.
@Argedis
@Argedis 2 жыл бұрын
The employer is basically pretending to pay for the trucks expenses by paying him $30k which is $14hr. The dude is the one paying for the employers expenses. Maintenance still falls on the guy. Maintenance for 60k miles/yr. That's tires, brakes, alignments, filters, spark plugs, fluid changes, etc.
@Gstunfisk
@Gstunfisk 2 жыл бұрын
He is making money with Truck. He is being reimbursed with mileage. Use your brain for once.
@peterjones3226
@peterjones3226 2 жыл бұрын
McDonald's pays better than that. He thinks he has to be a corporate hog farmer to get into agriculture. You could get 10 acres in a processor and make a shitload more money than that. He just would have to have a high enough self-image to drive an old truck. That's the deal-breaker
@Argedis
@Argedis 2 жыл бұрын
@@Gstunfisk The dude literally said his TAKE HOME pay $2,400/mo. He ain't making money the truck. Use your brain and ears for once.
@Gstunfisk
@Gstunfisk 2 жыл бұрын
@@Argedis do you know what mileage reimbursement is? Also other expenses are paid by the company. No wonder you listen to Dave Ramsey with that level of intelligence.
@dylan-vc4qp
@dylan-vc4qp 2 жыл бұрын
He said he brings home $2400 a month which is 30k NET a year. Which is possibly $18-19 an hour.
@wemustdissent
@wemustdissent Жыл бұрын
Well am I wrong or did he eventually say that the company pays for the truck because they pay mileage, insurance AND the truck payment.
@CaseyBurnsInvesting
@CaseyBurnsInvesting 2 жыл бұрын
Sell the job
@pakerandmak
@pakerandmak 2 жыл бұрын
Hahahahahahahaha I am 20 and my wife is 21 🤣🤣🤣🤣
@karenboots9077
@karenboots9077 2 жыл бұрын
It's time for him to quit this job. It just doesn't seem worth it.
@Hlaford2009
@Hlaford2009 2 жыл бұрын
I have a friend who was also forced to do that, because of the lifestyle conventions within the company.
@SarahLarsonwgm
@SarahLarsonwgm 2 жыл бұрын
Mancato is actually spelled Mankato
@elchapojr6219
@elchapojr6219 2 жыл бұрын
The dude doesn’t want to leave the woods for a better pay ? 😂 man pros and cons bro either you don’t want to make any money or you do
@jerryvillagrana4130
@jerryvillagrana4130 2 жыл бұрын
The company is paying for the truck payment and insurance. How is this lost on everyone? The mileage they pay will take care of wear and tear on the vehicle. I think Dave missed this detail and went off the deep end lol.
@blairkinsman3477
@blairkinsman3477 2 жыл бұрын
I missed something .. kid says his take-home was 2400 a month and 600 PT for his wife .. then the kid says he gets paid mileage for using the truck .. is the mileage included in the 2400 ??
@damondiehl5637
@damondiehl5637 3 ай бұрын
60,000 miles at 50 cents a mile is another $30,000.
@thejakelegion
@thejakelegion 2 жыл бұрын
Watching Ramsey's team misspell Mankato is kinda funny. Not a bad little town!
@smurkieo504
@smurkieo504 2 жыл бұрын
I live in Rochester Minnesota I’m also forced to get a truck for work as farmer also
@mathisnotforthefaintofheart
@mathisnotforthefaintofheart 2 жыл бұрын
Maybe it's me, but I feel that I have heard about this story at D.Ramsey before....
@theirmom4723
@theirmom4723 2 жыл бұрын
Part of me wonders how this kid thinks this is a good idea....and then another part makes me wonder if he is trying to justify the vehicle he bought b/c the job requirement is dependable vehicle...I don't know something is off with this truck
@simonstonesifer4951
@simonstonesifer4951 2 жыл бұрын
I think his 30k salary is separate from the fuel and monthly minimum payment they stipend him for his truck allowance. So he doesn't make 30k a year then have to cover the fuel and truck payment, there's no way. I don't think this kid expressed the information properly.
@stevenporter863
@stevenporter863 2 жыл бұрын
Makes sense.
@michaelwoods4495
@michaelwoods4495 2 жыл бұрын
If these guys could spell "Mankato" they'd know whether it was rural!
@JJFLD
@JJFLD 2 жыл бұрын
In the car business, we call this getting pounded. 🤧
@droolalot5795
@droolalot5795 2 жыл бұрын
Why are you having kids when you are broke? I don't get it. Now three people will be broke instead of two
@bigcatdaddy7573
@bigcatdaddy7573 Ай бұрын
They’d be buying and paying for everything or find another job.
@toddaustin2198
@toddaustin2198 2 жыл бұрын
a Hog Farm = the Smell of Money The business owners are likely making bank while ripping off this young man. As P.T. Barnum so eloquently stated,: "There's a sucker born every minute!"
@Leelang931
@Leelang931 2 жыл бұрын
Wow this employer is ridiculous, the company is using him! I would relocate, quickly
@blackworldtraveler3711
@blackworldtraveler3711 2 жыл бұрын
Keep having kids while broke he will be stuck in a rut not able to relocate or relationship decline.
@YanilleCastillo
@YanilleCastillo 2 жыл бұрын
A modern truck basically im guessing
@bettysmith4527
@bettysmith4527 2 жыл бұрын
No way, if he only paid 24K for his truck, its gotta be at least 10 years old! New trucks are between 40K and 80K now.
@mriphone1000
@mriphone1000 2 жыл бұрын
Yikes, this guy is getting hosed down big time by his employer.
@AngieMcdonald-fu9nh
@AngieMcdonald-fu9nh 2 ай бұрын
The bigger problem is the kid. They needed to get rid of the baby more than get rid of the truck. Wifey has another 5 years of full time work before they can afford a kid?
@evon7327
@evon7327 2 жыл бұрын
Did Dave even get the part that the company is paying the insurance and the minimum payment for the truck, PLUS the mileage?
@motoryzen
@motoryzen 2 жыл бұрын
Wow. Big dooky. Did you miss the part where th caller didn't say anything about his employer paying the yearly tag?... I'll bet you anything that monthly truck payment is easily more than 400 bucks...the guy is only making 30 grand...BEFORE taxes and it's not like he lives rent free... You're not accounting.for all the costs here
@612osiris
@612osiris 2 жыл бұрын
Let me tell you something, Evon, either this guy is ripping off this company or the company is ripping off this guy. I'll put my money on the second one. Where do you want to put your money?
@mikeshaw4610
@mikeshaw4610 2 жыл бұрын
If there paying him that much mileage he should be able to get a less expensive truck.
@666dynomax
@666dynomax 2 жыл бұрын
how are those two things related?
@stevenporter863
@stevenporter863 2 жыл бұрын
He is limiting his opportunities extremely by thinking of buying (and to an extent being married at 21 - next will be a baby then bye bye to even her part time work).
@elchapojr6219
@elchapojr6219 2 жыл бұрын
So much opportunities right now and this guy has a employer ripping him off
@James_Hough
@James_Hough 2 жыл бұрын
I guarantee that you can get a crew cab with vinyl seats.
@MichaelAnderson-wk1no
@MichaelAnderson-wk1no 2 жыл бұрын
He said it has to have leather seats because of "bio-security."
@James_Hough
@James_Hough 2 жыл бұрын
@@MichaelAnderson-wk1no And vinyl disinfects easier than leather.
@TheCobruhAlienat0r
@TheCobruhAlienat0r 2 жыл бұрын
Never seen a stripper truck that came in crew cab. I've only ever seen single cabs with vinyl.
@James_Hough
@James_Hough 2 жыл бұрын
@@TheCobruhAlienat0r Don't know what make he bought, but a 2021 or 2022 Silverado W/T can be had with a crew cab and vinyl.
@kara2162
@kara2162 2 жыл бұрын
And.. of course she's pregnant. Hot, hot mess express.
@nmarkert01
@nmarkert01 2 жыл бұрын
He’d be better off working at target hahaha. Make the same money but not spend anything to get there.
@bettysmith4527
@bettysmith4527 2 жыл бұрын
The cabin probably needs far more work than anyone is aware of, move in the rent to own property, and make the current owner pay for the repairs, they are stuck with it now anyway! You guys are WAY to young to even think about home ownership, and you don't even have close to the income needed for home ownership! On top of it, you are having a baby, you cannot afford a house!
@rudybarton1171
@rudybarton1171 2 жыл бұрын
Dave please let us know how we may help maybe even donate this poor young man
@TheLivedeath
@TheLivedeath 2 жыл бұрын
He will use that money to pay for new tires and brakes on the truck and continue being taken advantage of.
@rayjgold
@rayjgold 2 жыл бұрын
I think they missed it this time. The company is paying the care note.......His first mistake in trying to pay down a car loan that they job is covering......If you pay it down faster....the job stops giving the money faster and you essentially start getting paid less. I dont understand why Dave cares so much about the value of cars doing down.... They ARE NOT ASSETS. Only used car dealerships should care about resell value. We should get cars we can afford and will be happy keeping until it is worth nothing.
@Jim_Curtis
@Jim_Curtis 2 жыл бұрын
He could have gotten a used truck that met all the work requirements needed. I think it's just his misinterpretation of what his employer said.
@ChicagoTRS
@ChicagoTRS 2 жыл бұрын
Even if he got a 10-15k used truck (which is tough these days) putting 60k miles on the truck annually is going to consume half the value of the truck in just one year. Kid is making 24K and he is consuming 5-10K in truck value a year because of the job...can make more working minumum wage at McDonalds.
@M2Abi
@M2Abi 2 жыл бұрын
I thought he said it was a $24K truck, and he still owes $17K. Definitely not new.
@hbarudi
@hbarudi 2 жыл бұрын
The company cannot just require a vehicle like this, and disinfect the seats? Why not use a normal delivery truck and disinfect the cargo area after each delivery?
@TheLivedeath
@TheLivedeath 2 жыл бұрын
Might have required a decent tow rating for various trailers.
@hbarudi
@hbarudi 2 жыл бұрын
What about a used modified tow truck that can also have a cargo area with it? Does such a thing exist?
@DebtFreeDad
@DebtFreeDad Жыл бұрын
I think he need a new job and to sell that truck.
@michaelvan6675
@michaelvan6675 2 жыл бұрын
How much they paying for mileage?
@nicolegraham1492
@nicolegraham1492 2 жыл бұрын
There is no dream job. Who dreams of labor??
@Kysen10
@Kysen10 2 жыл бұрын
for some of us our job is fun.
@nicolegraham1492
@nicolegraham1492 2 жыл бұрын
@@Kysen10 sure. Ok. Work your heart out.
@Outrageousconduct
@Outrageousconduct 2 жыл бұрын
Roflamo ,WC field say There's a sucker born every minute
@Gus_Chiggins
@Gus_Chiggins 2 жыл бұрын
Good golly
@ThatCho
@ThatCho 2 жыл бұрын
He’s married and pregnant before the age of 21… and broke?! Yikes we’ve got to have our young men do better.
@stevenporter863
@stevenporter863 2 жыл бұрын
Yikes is right!
@journeyman171
@journeyman171 2 жыл бұрын
Did he say the company was making the payments?
@thinkforyourself9334
@thinkforyourself9334 2 жыл бұрын
Yes. The minimum payment
@journeyman171
@journeyman171 2 жыл бұрын
@@thinkforyourself9334 so the company is paying off a car that's in his name and that's on top of them paying a salary and insurance? Why is that a terrible deal? If he looses the job he sells the car, no?
@rickygkilla1358
@rickygkilla1358 2 жыл бұрын
Thats his fault
@randy944
@randy944 2 жыл бұрын
If he can find a better job, sell the truck.
@JDawgstwothousand
@JDawgstwothousand 2 жыл бұрын
Dude needs to get out of Dodge.
@Bamapride1985
@Bamapride1985 2 жыл бұрын
He is taking all the risk for the company. The likelihood of truck still working after paid for by the company are slim. If it was $24k, the truck already was used with miles on it and 50-60k miles a year will be lucky to get 3-4 more years life at that rate and probably is a 5-7 yr loan that they are making minimum payments on. This doesn't include it being in his name and insurance in his name. The legality of if he has a crash while working but in his personal vehicle instead of a company vehicle. That would require higher insurance (commercial) for the company instead of individuals. Maintenance and upkeep with oil changes, brakes, tires, etc... are most likely his responsibility (even time for repairs being on his time instead of paid company time). I have did both the using personal vehicle for field work and using company vehicle and having a company vehicle comes out on top even if have less money from mileage pay. The stress involved with keeping vehicle operational for 5k a month in miles so can make money the next day is also a factor people overlook unless have had to use personal vehicle for field work.
@aolvaar8792
@aolvaar8792 2 жыл бұрын
My brother drives 100K miles/year, in a company owned truck checking levels of field tanks of ag chemicals. Every year the Company gives him the old truck, one year old Chevy 4x4 w/100Kmiles and he gets a new truck for work. He drives the old truck at home for a year,
@ClaxtonBay123
@ClaxtonBay123 2 жыл бұрын
You make no money. Get another job. This job is garbage. That truck deal is instanity
@doompod
@doompod 2 жыл бұрын
His job sucks.
@stevenporter863
@stevenporter863 2 жыл бұрын
The job does, but probloby not as much as he presented it. The caller may have presented the information unclearly or doesn't know how his salary and reimbursement works. Otherwise this is totally rediciilous.
@JJJobson
@JJJobson 2 жыл бұрын
Unbelievable
@roolyfe
@roolyfe 2 жыл бұрын
I make 36K and can’t find a wife!
@Gstunfisk
@Gstunfisk 2 жыл бұрын
Yet another dumb Ramsey advice. He gets mileage reimbursement- he is making money with the truck.
@ajones8008
@ajones8008 2 жыл бұрын
uBeR dRIvER LOL
@jimroscovius
@jimroscovius 2 жыл бұрын
Companies cannot force you to buy a certain car or truck. They can require you HAVE a car, but they cannot require you to buy one. It was just an excuse to buy a new truck they couldn't afford.
@jennyberger6688
@jennyberger6688 2 жыл бұрын
I completely agree with Dave but I’m in my 30s and me and my husband have been doing this for ever and we can’t find a house because of this country. I hate not having a home for my kids. 😡
@jmr9735
@jmr9735 2 жыл бұрын
You "can't find a house because of this country?" What does that mean?
@MooMoo69556
@MooMoo69556 2 жыл бұрын
Y’all sound dumb
@theirmom4723
@theirmom4723 2 жыл бұрын
@@jmr9735 The Govt. will not be the sugar daddy and sign over a home for free
@kevdogg545
@kevdogg545 2 жыл бұрын
The debt is in his name…. But…. His employer is paying his minimum payment, mileage, and insurance… that’s why his salary is so low.. the employer is paying an extra $15k a year for him to drive a vehicle.
@d8niel77
@d8niel77 2 жыл бұрын
He should be a commercial truck driver they are making $100k plus a year easily right now
@jeremiahberry1134
@jeremiahberry1134 2 жыл бұрын
This guy sounds not so bright
@blackhoodiefitness5862
@blackhoodiefitness5862 2 жыл бұрын
Don’t blame the employer, he took the job he’s a grown man he didn’t need to take it.
@JuanVargas-ek3yg
@JuanVargas-ek3yg 2 жыл бұрын
👀👀👀👀
@YouSoundButtHurt
@YouSoundButtHurt 2 жыл бұрын
He should be able to claim this truck on his taxes if it's required for work, no?
@stevenporter863
@stevenporter863 2 жыл бұрын
Even if he could it's like getting $1 back for every $100 spent, like mortgage interest.
@stephenedwards9341
@stephenedwards9341 2 жыл бұрын
Guy needs to go into welding and get the family on the road to recoup his money. What a horrible, stupid, current employer and work situation!
@karimbennett5651
@karimbennett5651 2 жыл бұрын
What is with all the broke 20 year olds getting married and having babies?
@paulaqueirosz
@paulaqueirosz 2 жыл бұрын
🤷‍♀️🤷‍♀️🤷‍♀️
@beckyshell4649
@beckyshell4649 2 жыл бұрын
There would be almost no people on earth if everyone had waited to have kids when they could afford them. It is just kinda how things work out. People have kids and then have to figure a way to support them.
@MrFuroius1972
@MrFuroius1972 2 жыл бұрын
@@beckyshell4649 "People have kids and then have to figure a way to support them" Well that's pretty stupid
@BrandonMinguez
@BrandonMinguez 2 жыл бұрын
Driving 5k miles a month and living below the poverty line. This is absurd!
@ChantelSunday
@ChantelSunday 2 жыл бұрын
3000 dollars a month is below the poverty line...in rural America?
@ThePatriots010304
@ThePatriots010304 2 жыл бұрын
@@ChantelSunday Yes because it’s a household of two soon to be three.
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