Dave, You Haven't Met ME Yet...

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[@BrokeMillionaire1]

This guy is the most annoying caller I’ve ever heard on his show. 😂😂😂😂😂

[@whitness4christ]

Agreed lol

[@Tom_Het]

You haven't met ME yet

[@vickieclark5931]

I've been listening to Dave for years and I have heard some real irritating callers on this show. This one is up there as one of the worst.

[@kamerondunnuck6759]

Dave should not be yelling at him chill out old man

[@teenyverse7707]

seriously

[@vchow6749]

This call should have lasted 2 and a half minutes. He doesn't want help.

[@TheJsote1988]

I thought he called out of desperation, but being arrogant kicked in. 🤦‍♂️

[@IreneZGoodman]

Someone is not telling the whole financial truth. He's hiding money from the IRS. Lol..

[@chrisreynolds6391]

Great idea calling a national radio show.

[@saiga12forme88]

No, the way taxes work with a business there are many deductibles, he was eluding to the income after all is said and done which is the number you want to look at with a business. A business might make $200K gross profits but after paying its employees (and government bribes to employ said employees) and their expenses, the owners might only take home $40K. The entire tax system is designed to tax workers the most and give incentives to people to do what the government wants which is provide jobs, housing, produce consumer goods, invent goods, etc. Which is why the worker will always pay the most in taxes, because if you don't give people an incentive to use their money to help the economy people would take their money elsewhere, plenty of other countries in the world that would love American wealth that won't tax it to death.

[@riverdaletales8457]

As he should the IRS are nothing but thief’s.

[@thebleakoverview4227]

@J L he said “on paper” as in “in theory”, not in practice. How can you not know that idiom? 🤦🏼

[@DirtyPrancing]

"for tax purposes is say about 40-50... On paper" LOL that's freaking hilarious

[@bobbyb7672]

Somebody avoiding taxes...

[@mxerb5912]

@Joseph Allen bragging about tax evasion kudos

[@tomp7550]

If it’s done legally then 👏🏼👏🏼👏🏼

[@mxerb5912]

@@tomp7550 no the Montana registration scam is not legal

[@Eric-mc5to]

@@mxerb5912 how what is it

[@bobbyb7672]

@@Eric-mc5to I watched a documentary on KZbin about it years ago. People with expensive supercars such as a Bugatti register them in Montana. They avoid vehicle taxes this way. If you have a multi million dollar car collection, it might be cheaper to buy a house in Montana and register your cars there.

[@gduke25]

Dave: what's your income? Tom: we have two dogs and one cat....

[@user-rw8zj1td9v]

BAHAH

[@kevinb8881]

Lol

[@HI967tree4]

Good one 🤣!🙏🏼

[@ignitionSoldier]

🤣

[@legony1]

😂😂😂

[@tharpeaddy]

He lost me when he said You haven’t met yet

[@chcarroll5164]

You haven’t met yet...and I thank the Lord for that.

[@PointB1ank]

"For tax purposes" .... "On paper"... oh man lol, someone at the IRS just had their ears perk up. This guy goes on a national radio show and basically asks the IRS to audit him lol

[@DocOrtmeyer]

I got that one too. "For tax purposes" .... There is no other. Taxes are a part of it. Final.

[@bornkinggamer3347]

I doubt anyone is going to audit him based on that comment on a radio show. EVERYONE who starts a new business fails to report the cash they make. The IRS knows this. It's like when people admit they do drugs on tv. KZbin or radio. The FBI doesn't raid their house the next day.

[@ericdahl2915]

This guy doesn't have a money problem. He has a hearing problem

[@blessedwifeandmama]

Seriously 🤣🤣

[@JDAfrica]

Pardon

[@takeastandorbeenslavedby-left]

Brain problem not hearing

[@barbieblue3336]

Thinking problem, and honesty problem

[@insertname5057]

Who runs a business and doesnt have past profits and future projections off the top of their head

[@feliciavale4279]

Yeah this is ridiculous. Hes asking you for a ballpark estimate, because you don't know exactly what its going to be your going to count it as zero? Jeez.

[@YogiLogic]

The guy says he is doing great financially thousand times and doesn't know his income ! 😂😂

[@Sean-mq7wt]

Assuming he is telling a real story, he's likely doing something not legal with his side business, either by hiding income through cash payments or other such. He was dodgy with with the information.

[@MattBravado]

"I met a thing called math" hahahaha

[@MCC1591]

I loved that 😂

[@ugabuga1361]

@@MCC1591 should of hung up after he said that

[@kimmontenegro2258]

I used that line once when a car salesman tried hiding numbers😆🤣🤣

[@NWforager]

@@ugabuga1361 we know Ramsey is gonna put the fire to our feet if we call with some bullpucky . Its all in good intentions tho . 💲❤

[@elizabethpalu2447]

🤣🤣🤣🤣🤣🤯🤯

[@Azel247]

Make 75K, have 280K debt, but because "you haven't met me yet" I can pay off this debt in 1 year with fairy math.

[@dumdumdugan1940]

I shouldn’t have taken a drink when he said that. I lost it when he said you haven’t met me yet, but Dave’s response was the best.

[@MP-nj1qy]

🤪😂🤣🤣OMG, That's so hilarious!!!

[@JCem8409]

Running dope can get you out of debt in a year do the fairy math!!

[@vasaguy7624]

@Heinrich Himmler he is low key bragging to Dave. Dave who is worth like $100,000,000 lol

[@jenniferleigh1674]

yet he's calling into Dave.

[@gsabella4]

This was a classic. The ole too cool for school Mr. Arrogant. Dave ain't having it Pal.

[@iLLWiLLx21]

@Honest Reviews you’ve never heard that?

[@jjman533]

Guy just called to brag and got called out by Dave. Guy has several rentals. but owes money on the house he lives in...........

[@findingnory]

I don't think so. He sounds to me like a guy who came from literally nothing and has worked his way up and is extremely proud of what he has...even to the point of obsession. He's just afraid guys.

[@jimroscovius]

@@findingnory Yeah, afraid of the IRS coming after him.

[@RKmndo]

Most people with rentals still owe on their residence. Most investors use debt, rather than Dave's system.

[@Islandgirl671]

@@findingnory oh waaa...afraid? This is 2020, and they are 52 year old Adults, not children or teenagers. No excuse not to do the right thing with clear conscience and seek a CPA or CFP or learn math 🤑

[@mrdanforth3744]

Everybody buys houses with a mortgage including investors. Who has cash in their pockets to buy a house? He is doing the right thing, he bought some rental properties, if he keeps using the rent money to pay down the mortgages he will own them free and clear by the time he is ready to retire in 13 years. Or if not, he will be able to sell one house and pay off the rest.

[@Healthyconsumer]

This guy really rubs me the wrong way, but I can’t exactly explain why???

[@mxerb5912]

Arrogance

[@Khorton014]

Because he’s dishonest.

[@ntb3884]

He can't answer a simple question and is arrogant. Both traits are almost objectively hated by most people

[@MagnusD]

He actually mentioned 70k + 50k ... (...) on paper Soooo how much off the books buddy?

[@dinac6250]

@1 no he’s totally cheating on income tax,which is not fair for some of us like me that pays thousands every year to the IRS

[@ethan4048]

This guy's wife has an only fans

[@jamesmir89]

hahahahaha

[@IM12111]

Savage comment haha

[@Daedalus33]

100%

[@anilpant71]

Or maybe he does 😂

[@GTRrocker84]

I was thinking he’s involved in some shady drug stuff

[@TheDoctaJS]

"What.is.your.freakin.income?!" Hahahaha

[@jmr9735]

LOL! "I'm asking what your freakin' income is!" Dave's done with this guy, and I love every second of it.

[@IshtiaqAlam]

Dave: *yells* Caller : *crickets*

[@supremevision631]

Hit the button Dave!

[@Islandgirl671]

🤣🤣🤣

[@Islandgirl671]

It’s a good day Dave! 😂

[@notafan6]

I wish I owned 6 lots around my lake house. I dont think I would ever leave. I also wish I had a lake house.

[@Islandgirl671]

Ditto 🤣

[@barbieblue3336]

Lol

[@jcherestal]

Work for it. Go get it

[@bobtom3756]

Either an illegal side buisness or avoiding taxes!! He doesnt want to say to much

[@sammader5456]

I’m curious on what Dave said about him during the break

[@user3640]

Dave's laugh at 6:50 got me. As someone who graduated school during the first recession and is living through a second "once in a lifetime recession", I've learned to be prepared. You can't count on a job, your government, or anything but yourself for help. Live humbly, save for a rainy day, reject hyper-consumerism, and find happiness in the non-materialistic things in life.

[@haute03]

Yep. Wise words.

[@jimroscovius]

This guy can't, or doesn't even want to, answer a simple question. I think he's a shady dude, and won't do a thing Dave recommends.

[@tbd1613]

Sounds like the IRS needs to make a friendly visit to this guy. Something is very fishy in Idaho.

[@FireMrshlBill]

Haha. Sounds like it. "It could be $200k one year or $400k another" "How much will you make this year!?!" "On paper... $50k"

[@itzjusbrian]

@@FireMrshlBill AAHAHAHA Dave should've asked : What's off paper?

[@FR-tb7xh]

@Neil Pinto wow. You could be right.

[@craigcarter400]

Well he does live in a college town that is next to another college town lol.

[@elizabethpalu2447]

Lol - i think this guy's answers were not too clear because he's dodging the IRS.

[@Winston0Boogie]

Wow! If he didn't want to answer the questions why even call? The dude knows he's going to be on the radio.

[@roythousand13]

I think Dave's staff is trolling Dave, by allowing this guy to get on the air with him!🤣🤣🤣

[@jakem6076]

What a scammer. The IRS needs to get on this bum!

[@howcin]

Taxation is theft

[@gardenofe12]

Why did he call then if he says you’re haven’t met me yet??’ Obviously 🙄 duh 🙄!!

[@racheljordan6705]

"I have a steady job"... that laugh. Classic

[@shutupandeatasmr4498]

“Im blessed financially” Next second... “I cant depend on my fluctuating income” 😂🙄

[@teresastoneking5957]

I have 2 full time jobs

[@MrJay197409]

This guy doesn't want help he called to be argumentative. Talk about being hard headed.

[@boomshakalaka8567]

It's not just that. He's very obviously doing something illegal. At the very least, he's lying on his taxes.

[@MrJay197409]

@@boomshakalaka8567 that could be it too.

[@SherryEllesson]

@@boomshakalaka8567 I agree. When I was a young auditor, I encountered a number of clients who were that evasive, and invariably, there was a 2nd set of books layin' in the weeds.

[@ducks-on-quack]

@@boomshakalaka8567 he may not have lied. Real estate comes with a lot of legal tax write offs. He may be depreciating his properties.

[@random-nz7dy]

I'm glad they've got annoyed at this guy because he was being really sketchy. He's definitely up to some funny business

[@burnerloco4138]

Waiting for Dave to hit the mute button

[@Islandgirl671]

Ditto 🤣

[@CaseyBurnsInvesting]

This guy doesn’t want advice.

[@Eyore82]

Exact same reason I bought the house next door. The opportunity came up, I took it it.

[@lemonman77able]

I need one of those stickers that Chris Hogan has on his laptop...."Focused and not Finished"

[@gsabella4]

This caller was such a clown. Scam artist clown. You can tell in his voice.

[@craigcarter400]

They should sell it on the Dave Ramsey site or something.

[@Baseballisbest67]

This dude thinks he’s a gift

[@Hotobu]

$24.99

[@gnarlyDUCK]

Dave's face at @3:16 is priceless lololol

[@The_CoreyBrown]

"I can't say because you can't depend on it..." no you can't say because you're tax evading! Lool

[@angiep8217]

Yes the pandemic taught us a big lesson. The job can disappear in an instant. Have an emergency fund & invest long term

[@repudiummoney]

Dodging the question like dodging alimony.

[@sdm1568]

“Well, I met a thing called math.” ☠️☠️☠️

[@wastelanddan7388]

This hurt my head

[@Islandgirl671]

😂

[@shanwilson3682]

Just here for the comments😅😅😅😅😅

[@burntblonde2925]

He asks Dave a question, but he can’t give him all the info to answer his question.

[@yayyareaa2997]

This guy is all kindz of sketch 😂😂

[@JB-kx9bx]

280k is alot of real estate debt at that age for such a remote area where you cant be making that much off 5 rentals and property values aren't blowing up like major urban areas.

[@brandonjuber3576]

Idaho is being flooded by Californians. Prices are going up there in a hurry. I bet he has made a lot of money on those 5 rentals even if he's only owned them for a few years.

[@JB-kx9bx]

@@brandonjuber3576 yeah but if you're in your 50s using debt for rental properties somethings off with that strategy. You should have all that paid off or had paid cash to begin with. Real estate is not a good "investment" if you are using debt. People are flooding into Houston where I live and property values have not skyrocketed so I can't imagine Idaho is going through the roof either.

[@brandonjuber3576]

​@@JB-kx9bx The median price of a home in Moscow in 2011 was $175k. In November 2020 it hit $325k. The guy says he has 5 properties. I don't know when he bought them or how expensive they were, but he has most likely done really well. Especially if he has had renters in them paying the mortgage for him.

[@JB-kx9bx]

@@brandonjuber3576 yeah I just checked zillow that is interesting how homes there have gone up so much.

[@alannarouette2694]

sounds like he was trying to brag and it backfired lol

[@harrisonwintergreen1147]

"Could be quarter million or half a million! Totally unreliable!"

[@fistcover3831]

Dave, you haven't met me yet. And I answer most questions with more questions.

[@kevinmoore9524]

Thank You. Happy Thanksgiving.

[@J0hnny0]

The guy is annoying...Just answer the question.

[@joseaguirre744]

he is a drug dealer

[@jeffreywhitaker5154]

@@joseaguirre744 exaaaactly. Or Mj seller.

[@renaeadams7868]

@@jeffreywhitaker5154 Idaho is very against MJ... At least that's what my friend said was part of the reason to live in Spokane.

[@jeffreywhitaker5154]

@@renaeadams7868 ahhhh. Good to know 👍🏾

[@Jason-uw3wn]

This guy is so lost. Just answer the question dude.

[@calebmallen]

For "tax purposes", I only make $50k on that side business {laughing out loud}

[@TheLuxeTraveler702]

"What's your freakin income" ? 🤣🤣🤣

[@vernonu7314]

I enjoy watching Mr. Ramsey as his mind quickly assesses these financial situations and comes to a workable solution. As opposed to the marriage advice he puts out from time to time.

[@glovalova]

I just saw an ad for American Express at the beginning of this video! I’m sure that wasn’t Dave’s choice!

[@ElijahHunter77]

For a half a second I thought, it was (FINALLY) the first International call!! From Moscow, Russia🇷🇺😀😄😎

[@justinaacorn5721]

😂

[@jeremyrushton8310]

How many rubles do you make a month?

[@bryanmejia3998]

@@jeremyrushton8310 😆😆

[@matthewwilliams9200]

like pulling teeth this guy geeze feel sorry for his wife if he has one

[@Psylent]

Just got my 4 month Emergency Fund. Thanks Dave

[@americanmade3218]

I love the analogy ..

[@doompod]

That guy ain’t as bright as he thinks. “It varies Dave!” Dude, he was asking for your projected average 😂

[@Islandgirl671]

Obviously the guy didn’t meet “Math” either 🤣🤣🤣

[@AdamGbl95]

Dave is so friendly. Lol

[@DC-or9ob]

Dave 101: I’ve met math, now how much do you make??🤣🤣

[@roxaneadams6723]

Pants on fire.. somethings shady

[@roolyfe]

Indeed

[@legony1]

Yep!! I’d like to know what’s his shady side hustle. 😂

[@happygirl7258]

Happy Thanksgiving everyone!!🦃

[@mrdanforth3744]

At 52 years old he should hold onto all the rentals and the land. Debt is NOT a bad thing if it is making you money. If the rental properties pay their mortgages and give you a profit besides there is nothing to gain by selling them. If he was 65 and getting set to retire it might be time to sell the rentals and invest the money in something that requires less management and leaves him free to travel and enjoy life but for now, stay the course.

[@o.c.2470]

“Dave I have a problem, I’m rich” 🤦🏻‍♂️ my God dude leave space for callers with real problems

[@barbieblue3336]

Tom: I am going to call Dave Ramsey up & really annoy him with my nonsense "For tax purpises" - what other purposes are there?

[@Shadowwind4]

I never wanted Dave to mute someone more than this guy

[@spiritualcosmeticss]

Dave got feisty! Lol!

[@johnjeremih]

I love Dave

[@helloabbylyons]

Hahahha Dave really cracks me up

[@sadieesther9721]

It’s Mos-CO idaho ;)

[@bigjdadon5068]

Oohhh I love Dave so much 😂

[@mecheckraise]

I understand risk and have no mortgages on my 28 paid for rentals but the risk vs reward is good at the rates now. The rate really does make a difference.

[@Todjcam]

“I own 2 lots adjacent to my house and 6 lots adjacent to my lake house.” Classic Dave, never miss an opportunity to brag..

[@LoveRivera]

I dont think he is bragging, its just facts.

[@Islandgirl671]

I call this a “Wise Investor” 🤑

[@Flanderslessons]

Well Dave, that depends on how much drugs I move! 😂

[@aatheus]

Wow, 3 minutes into the call and he's finally given a straight answer to what his paper profit is for the business. Guy sounds like a shady used car salesman.

[@---cr8nw]

I don't understand the call. "You haven't met me yet." meaning he thinks he can pay it off very quickly. So why even call?

[@userwatttt]

“Tax purposes”. Lolol

[@erikhuisman2487]

My job is secure! "Everyone needs a toilet" my dad (boss) the plumber

[@Sara_The_Feral_Housewife]

This year I learned the military is a secure income unless the government actually shuts down.

[@jennyneutron6748]

I tried calling between 2 and 4 and I just got a beeping sound and no message. Is something wrong?

[@Ktrain0218]

Sounds like a "Shady" business.

[@chippydog2]

There is such thing as a steady job Thankfully I’ve had mine now for 19 straight years and one and a half years to go before retirement

[@SHIMONISHIART]

Tom is an actual POTATO!

[@elizabethpalu2447]

🤣🤣

[@maam-yj8ph]

Some folks really put the "tator" in dictator, eh?

[@Islandgirl671]

Oh my that’s funny 😆 😂 so that’s Mr Potato Head’s real name! Lol

[@ChipZilla69]

I've never seen Dave like this lol

[@derrickhoward9156]

He's making Dave's plan work for him versus following it step by step... When you follow the steps it changes your behavior don't take shortcuts.

[@wizardofahhhhhhz]

This is hilarious 😂😂😂😂😂😂

[@KC-dr3cg]

Best thing I heard from Dave R this week..You MIGHT BE the victim is something and you can still become wealthy.

[@JadeTrading]

Love reading comments 😂

[@robellyosief8820]

@Anna Lee rude

[@racheljordan6705]

😂😂😂😂😂 I know math ! Lol. Why call in if you do not really want advice ? You know more and are not doing the baby Steps in order .... why bother?

[@Robmancan1987]

When your a narcissist, you need confirmation from others that you're ideas are brilliant.

[@BubbleMania5678]

If your debt is not being productive, then paying it off is a good idea. If your debt is being productive, keep the debt. The guy is very reasonable in my opinion. If income is variable, it should not be counted before it comes in.

[@michaelmcgregor3108]

Idaho! Wooo!

[@wa2k99]

Dude. I would not be proud this caller is from your state

[@michaelmcgregor3108]

@@wa2k99 eh, I cheer anytime Idaho is mentioned, probably just like anyone would from Florida.

[@KTSpeedruns]

That title pretty much sums up any comment section in Dave's channel. "Oh, credit cards are bad? You haven't met ME yet. You just gotta be responsible. blah blah blah." This caller has no idea how to handle a fluctuating income. You project based on worst case scenario. My wife and I get weekly paychecks. We assume she makes 280 per week because that's the occasional low. My occasional low is just above 100. Getting your hours cut back really sucks, but I freaking adjusted how I project is and how I attack it instead of giving up and saying "Well, I guess I make what I make and there's no point in having a plan."

[@cannednolan8194]

I would do the lots and five of them. This way your other 15 lots should go up in value.

[@ktsterlin9304]

I sell insurance and I have spoken to people who get no help from family are on a low income subsidy because they can’t afford their prescriptions and are hanging onto their house or land so they can leave it to their children. I’d say this caller is in a much better situation, but it’s weird to have this idea of passing things on to the future generations when you’re not taking care of today fully. The icing on the cake is when the kids aren’t helping in any way. (For the record, I was never suggesting for people to sell their property but it would come up in conversation ie they’d be talking me about what they are looking for in their coverage and they were shocked that they did not qualify for Medicaid because they make less that 600 a month on SS, but the house kicked them out of eligibility for that program in their state)

[@marlynsantos9677]

I can not with this caller.... He's so in his head that he's calling an expert but really not listening. 🤦🏽‍♀️

[@jacobjohnson9030]

hyped