Fiancé Has $200,000 of Debt!!! What Should I Do?

💵 Create Your Free Budget! Sign up for EveryDollar ⮕ ter.li/6h2c45
📱Download the Ramsey Network App ⮕ ter.li/ajeshj
🛒 Visit The Ramsey Store ⮕ ter.li/7vyom2
📞 Have a question for the show? Call 888-825-5225 weekdays from 2-5 pm ET or send us a message ter.li/n88ly5
Explore More Shows from Ramsey Network:
🎙️ The Ramsey Show ⮕ ter.li/ng9950
🍸 Smart Money Happy Hour ⮕ ter.li/9gcp3d
🧠 The Dr. John Delony Show ⮕ ter.li/2u3mc0
💰 George Kamel ⮕ ter.li/1elws8
💡 The Rachel Cruze Show ⮕ ter.li/n2u6jc
💼 The Ken Coleman Show - Highlights ⮕ ter.li/1rbjr2
📈 EntreLeadership ⮕ ter.li/ktxv2k
Ramsey Solutions Privacy Policy
www.ramseysolutions.com/compa...

[@TheTbabylati]

Living at home, married and in -200k already. Only 23k in income. This is a disaster.

[@JakeStewart1343]

Yeah, but his title sounds cool! 😂

[@BrokeMillionaire1]

This is a depressing call.

[@leadnsteel1428]

I hope they have a plan to tackle this debt.... 200k and years of schooling to make maybe 60-70k... no thanks. Or she is just going to use him, get him to pay her debt then she will leave him in a few years

[@ryant2568]

22-year-olds getting married while still in school and living with the parents? Put the marriage plans on hold for a few years and get your lives sorted.

[@BboyDaquack]

Lol it's funny to me. In asian culture you'd never see this. Cuz no asian parents in their right minds would ever give their blessing for a marriage to a man who can't provide.

[@robertcraft1030]

Or, if she's the one, change career paths and earn an income.

[@kateg9437]

This is 100% what I would say, but they are likely religious and waiting until marriage, so people rush into marriage because they want to get laid

[@Jay_Lo]

@@kateg9437 You read my mind, lol

[@randallanimal]

Nooooooooooooooooooo! O.P.

[@TheTurdballs420]

The lady that cleans my house can barely speak English, started her own business and makes about 80k a year. 5 years of lost wages and 200k debt to maybe get an 80k job? Hard pass

[@xktwnxl4zlx213]

Shes the example of Inspiration!

[@inmate0054]

AMERICA!

[@michaelguzman4136]

HARD PASS

[@untouchable360x]

@Johnny Five Simps are the root of all the female issues that men have to deal with.

[@kevindudson2344]

@@untouchable360x True take it from a professional Simp.

[@tequisaholloway1738]

Why are they trying to get married while living with his parents, smh

[@Crackity_Jones.]

Exactly, like relax! Do it when things arent so pressurised and you'll enjoy it more .

[@5000MikeMaster]

Probably desperate people lol I’ve seen it before they feel like they can’t do better and need to lock it fast

[@DaMu24]

But he wuvs her.

[@DrRRaza]

It just sets it. You don't have to rush things because you change your label.

[@thesunflowchannel1995]

Lol big mistake

[@Ingridlourd02]

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.

[@Lourd-Bab]

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

[@Ingridlourd02]

@@Lourd-Bab However, if you do not have access to a professional like JUDITH ANN PEACE, 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

[@Lourd-Bab]

@@Ingridlourd02 Oh please I’d love that. Thanks!

[@Ingridlourd02]

@@Lourd-Bab Judith Ann peace is her name

[@Ingridlourd02]

Lookup with her name on the webpage.

[@Kysen10]

This is a disaster, forget the marriage.

[@boywonderless]

@@saulgoodman2018 Ladies and gentlemen, exhibit SIMP

[@carlkpsplucky5554]

Sure, pay for it. Her 2nd husband will thank you.

[@pseudorealityisreal]

Haha...this poor caller is extremely blue pilled. Lesson to guys: never do this. And if are absolutely sure, well, one wouldn't be calling Ramsey or other advisors of what is to be done. One would be talking to their spouse.

[@mmc9828]

LOL!!

[@kbabyblue]

🤣🤣🤣

[@chevelle1]

This guy already sounds so defeated. I wonder if his fiancé would do the same for him.

[@twincherry4958]

🤣🤣🤣

[@trepan4944]

Our poor caller is going to be red pilled into the stratosphere after this engagement falls apart. RUN NOW MAN!

[@trepan4944]

@Johnny Five I'm pulling for him, but the odds are he'll only learn this after some serious financial pain with her.

[@mriphone1000]

I agree he should run. Bunch of other options available out there who aren't liabilities. 200K to maybe make 80K. Mmm no.

[@pseudorealityisreal]

"She is going to be living with her mother...." No, she is going to pump out a few kids from a chad, and you (OP) is going to be that beta-simp still thinking she is in love with you.

[@davem4193]

@@pseudorealityisreal truth brother!

[@mph5896]

Throw in a couple babies and, "I just want to be a stay at home with the kids" after a few years in the job market.

[@twincherry4958]

@Tom Hewitt I am not a feminist and never will be.

[@jimmyhvy2277]

Ha ha ha Man you hit the nail right on the head !

[@lyndagruen2047]

Word.

[@sgist7824]

Well, the husband can stay home with the kids too, or actually pay for someone to be at home with them so the pressure isn't just on the wife.

[@beachygurls6]

Got married and can’t survive on your own? So you signed up for loans, marriage, no place of your own, two more years of school and living with your parents? Stop signing up for stuff!

[@msi8311]

Great and underrated advice.

[@lyndagruen2047]

And stop burdening the parents!

[@5000MikeMaster]

I feel bad for the parents... mommy and daddy can’t take care of you forever like this

[@josephmartinez3851]

After hearing this I had to call my wife and tell her how much I love her...

[@tylerpetit33]

Once again, having a degree does not always mean you will make more money.

[@millertoyal]

OR, very smart.

[@riverdaletales8457]

I know guys that make 50k or over without any degree they don’t even have a high school diploma.

[@aolvaar8792]

@@riverdaletales8457 My first job out of University in 1980, paid $100K/yr. I don't know what you would do with $50K/yr Today.

[@aolvaar8792]

@@JuancoPRoFlow Petroleum Engineer, working overseas

[@seph4667]

Romeo: "We don't have a car, Dave." Dave: "Sell your shoes."

[@Peaches4779]

😅 amazing

[@riverdaletales8457]

🤣

[@DS-kp4su]

I’m. Still 🤣🤣🤣🤣🤣🤣

[@nosaeholor9673]

😂😂😂😂

[@macneoh7418]

They will be divorced before he sells his first commercial property.

[@skibum6422]

This is just the most insane thing I've heard in awhile. Why do people keep getting this much student debt for jobs that don't make enough to pay the loans off?

[@rayhill5767]

Because they don’t know anything about anything except going to school.

[@JK20239]

Be a good simp and clean up this mess now!!!!

[@johnallen3497]

No way would I marry into that disaster

[@dipsomaniac124]

The SIMP pays off her debt.... then she divorces. The game plan is set

[@skunkycatog]

😂😂😂😂😂😂

[@autismwalk6855]

Yes bro, pay off her $200K student loan for her because you love her and all that BS; I am sure her second husband will give you a high-five.

[@davem4193]

My ex-wife's cousin cashflowed his fiancee's doctorate degree by driving a roll-off dumpster truck for a living. Once his fiancee got her degree she dumped him like a sack of potatoes. Simpin' ain't easy!

[@0neofthem]

Better to spend 200k pursuing financial freedom rather than wasting it on someone else’s absurd student loan.

[@bentleyboy72]

So sorry for these kids. I'm glad they're tackling this together and all, but two 23 year-olds who are both still in school should NOT even be thinking about marriage!

[@SynterraSteen]

It would be better if they were 33 and still in school?

[@bentleyboy72]

@@SynterraSteen No? My main point here is that they're both in school and not working. If they were 33 and still had the same amount of debt but weren't in school, this would be easier to tackle. Basically don't add major life decisions onto other major life decisions that you're still in the process of finishing.

[@Barweezy]

I work in commercial brokerage, and it’s a boys club of the who’s who of the industry. If you’re a 23 year old with little to no connections, don’t expect to get paid any commissions any time soon. That’s why most commercial brokerages pay out at least a small salary for junior staff and then shift to commission-heavy structure once you’re more senior and can hold your own. It goes without saying, but he should find a shop that will at least pay him a salary. He might not be rolling in riches, but at least he’ll eat.

[@yamamancha]

This is the closest Dave and John have ever come to saying, "Don't marry this person".

[@hollym1751]

I kept waiting for it...

[@yiliu5909]

I think they were trying to say, get a job actually pay you, or don’t get a master degree, or don’t get married. You can do everything at the same time.

[@riverdaletales8457]

He doesn’t need to marry her. 200k in debt is a set up for him

[@davem4193]

The simp gyroscope pulled Dave back in and prevented him from saying it.

[@fotismichael1877]

This video can be a lot shorter. Get a new fiance.

[@lancestone4409]

This is why I don't recommend getting married at an early age.

[@aisherwasher6959]

I think there's a difference between getting married young and getting married while in deep in debt, in the middle of clinicals, living with your parents

[@rolandg4236]

@@aisherwasher6959 well put

[@RayAndre]

Young doesn’t always equal stupid. I married my wife when she was 20 (I was 24). When we were dating she worked and went to school, had saved up 10K all on her own (and zero debt). 1 yr later we got married, and after another year we had a child. Now she stays home with our baby boy while I take care of the finances.

[@untouchable360x]

@@RayAndre Even a broken clock is right twice a day.

[@SynterraSteen]

@@untouchable360x how is it broken? Because it doesn’t fit your idea of what someone’s life should be?

[@John-bd9fj4435]

investing requires good experience and knowledge to carry out a good and successful trade, I have lost a lot trying to trade all by myself May I ask which investments are good? I've been looking at a few different ones but want others' opinions as well.

[@John-bd9fj4435]

i need a supporter...

[@Anthony-cp7yc6655]

I am going to look her up, I have about $81k

[@John-bd9fj4435]

Thanks for the efforts you put in these. I found her

[@John-bd9fj4435]

Thanks for the efforts you put in these....

[@aaronqueen55]

Un-fiancé.

[@DisabilityExams]

This couple is insane.

[@tjmcavoy-jensen871]

I’m 21 and I found Dave a few months ago, I was wanting to be a physical therapist but he knocked the stupid out of me, now I want to use the stupid exercise science degree I’m getting soon because I was stupid, to try and get into the community college nursing program. This is because a lot of the courses I need for this exercise science degree are the ones I need to take for nursing like microbiology anatomy and physiology

[@conservativelatinausa9005]

Nurse here, good choice you will always have a job. Even if you have to spend money on this degree you will still make a good living. Best of luck!!

[@tjmcavoy-jensen871]

@@conservativelatinausa9005 thank you! I am prepared to study extremely hard for this. I want to be help people and earn a living for it. I know the schooling can be brutal as well as the job but I like learning about the human body and anatomy and stuff

[@gelo2221]

I am currently in my third year of college and going for PT I have $0 in debt I don’t know how it’s possible to rack up $200,000 but I do live in California and am low income so I get financial aid but even if I didn’t I wouldn’t get a loan. Pt make average starting off 70k so I wouldn’t say that’s bad and that’s with a masters or DPT. I feel like that’s good as a start off but to go back to school for nursing you would have to go through Med school and even then you won’t make a desired wage right away have you thought that through?

[@hedyeherfani5729]

@@gelo2221 Third year of PT school? Or bachelors? PTs now get DPTs which does cost around $150k. 70k is "not bad" but don't forget how quickly $150k accumulates in terms of interest. That's literally paying $1k a month for about 30 years to make $70k. People pay $150k to become doctors and make around $200k+. I don't want to sound mean and I know this sounds really mean lol sorry.

[@gelo2221]

@@hedyeherfani5729 hi it didn’t sound mean at all but that is not necessarily true I live in California so In state tuition for me to attend a school like Cal state Sacramento for example it’s 9,411 per semester which is a lot of money I agree but it would not add up to anything near $200,000 or $150,000 for 9 semesters which is the program at Sacramento it would be about $84,699 an average pt makes about $70,000 but it is possible to make $100,000. The only way you could rack up to the numbers that are above $100,000 is if you go private, out of state or do both.

[@unfairsanic5089]

Ive noticed that there are alot of simp callers this year

[@-Wreckanize-]

Don't worry, she'll find some chump to marry and pay it off for her.

[@justinacase2623]

That is most females game plan, working on a Mrs Dr. Degree

[@autismwalk6855]

Bro, I think she already found the chump....

[@-Wreckanize-]

@@autismwalk6855 Kind of my point.

[@strang1124]

No, she will find a higher paid stick to ride while he pays them off.

[@pseudorealityisreal]

* she'll find some chump to marry and the OP will pay it off for her.

[@sydneyyw23]

There is more than one soulmate in the world

[@TheThunderSound]

Sounds like being a nice guy is his problem

[@sunfireThu]

Judging by the caller's response, he does not want to listen to Dave's and John's advice. He is going to be a statistic in the "destroyed through divorce" kill count.

[@aceshy2725]

Lol💯💯💯💯💯

[@swampcrawlerls1267]

Withdraw your proposal. Next caller.

[@HamiltonRb]

Sounds like they are trying to get married, get degrees, get jobs & pay the loans all at once, while living with parents and I can see it being an overwhelming task, especially at that age. I would prioritize the sequence as finish school, get jobs, move out, start paying loan then get married. It might take an extra 2 to 3 years, but you will have a much better chance of success in business & marriage without the stress.

[@SynterraSteen]

No they shouldn’t move in together before they get married.

[@HamiltonRb]

@@SynterraSteen Why is that? They are living together now

[@ohitsme1903]

@@SynterraSteen its definitely best to move in with someone before you get married. Otherwise how do you know you can stand living with them? Haha you gotta be prepared to accept the whole person, flaws too, most of which come out after extended periods with said person.

[@gabcarol8]

People continue to change years and years after living together, & years after finally getting married. It’s better to get married after you know the person really well, then Ben prepared to accept them with all their flaws till the day you die. There’s really no need to live together first

[@markh.6687]

So other than that....they have no worries! :)

[@schuylergeery-zink1923]

She needs to want to pay this off, too. My fiancé and I are both bringing student loan debt into our marriage. Me as a lawyer and he with a Master’s degree. We were both dumb! We have a plan to cash flow our wedding next year and we are working on our plan together to tackle debt. You have to be a team! 👍

[@JadeTrading]

Oh my goodness. 200k debt 🤦‍♀️

[@DebtFreeDad]

200k is not the problem, it's the income thsts the bigger concern.

[@DebtFreeDad]

@Johnny Five lol, no, but once the get married it's both of theirs. I'd the get a divorce they would split assets and debts so once they say I do....he might as well.

[@pnwadventurer9674]

Ikr fml! Causes me anxiety listening to this lol

[@Transfixion]

I finished College with 0 Debt. I made a bet with my dad that if I passed all my classes the 1st time through, he would pay. Guess what I did..

[@TF-ff7ir]

200k is nothing. I'll have right around 500k in debt when I finish college.

[@polyglotsjourney]

"I think we need a different plan" won!

[@dallincandland]

Man these make me feel so much better about my own situation. I agree with everyone else. Run while you still have the chance. It’s not worth the pain this is going to cause.

[@ALPHABARN]

College has been over prescribed as the golden ticket

[@aolvaar8792]

The University of Texas Permian Basin: $9K/yr tuition, $11K Room & Board $80K+, Median salary for Petroleum Engineering on graduation ~$100K Stateside

[@AaronandAsh]

Worked for me spent 30k loans in state school bagged a 100k+ job

[@lanceknuth5300]

I love my parents, and they love me, but I never want to live with them again, and they have told me that the feeling is mutual.

[@michaelguzman4136]

A PHD for only 80k a year?!? Bro u can earn that income for free the only price is labor!

[@Kymv8382]

Median salary is 90k. She will be well compensated for her education, believe me.

[@msi8311]

There are better deals.

[@kristinabatista6766]

@@Kymv8382 sorry, where?

[@elizabethlinda8785]

Im tired of calling this a recession, this is depression over 30 million unemployment isn't a recession

[@amandaptucker4308]

I think the pandemic has taught people the importance of multiple streams of income unfortunately having a Job doesn't mean security

[@michaeljones6477]

Imagine being rich, being too lazy and ignorant to even the slightest agreement. Let's petition to fire the government or take from their pocket

[@amandaptucker4308]

My advice to everyone right now is to invest in Cryptocurrency

[@briayarbrough5189]

@@amandaptucker4308 Yeah, despite the economic crisis, this is the right time to startup an investment

[@erikasuarez8290]

Stocks are good but Crypto is more profitable

[@cheezybred]

200k for a DPT is crazy. The numbers just dont make sense.

[@spiritsofthesky]

Unfortunately that's thr way it is. Organizations pushed for a PhD requirement because if how popular the field is

[@anthonylozano8035]

It’s crazy yes. Unfortunately, for PT it does make sense

[@patti9339]

She may have borrowed more to supplement her income.

[@markg999]

Most of that likely was undergrad debt also rolled in.

[@IreneZGoodman]

Sheet getting a PhD. She can make over $100k. Just dont get pregnant and she'll be fine.

[@dexterm1285]

My wife got her DPT online about 8 years ago from a university for around $15k. $200k is insane. That's the type of women you look for...not this. Run guy.

[@zenFreq]

What school? There's usually a lot of hands on learning.

[@anthonylozano8035]

exactly. Wisdom in finances. My wife, just weeks after getting accepted into an occupational therapy program for 100k declined after talking it through with me. Now is on the fast track to getting a BCBA fully paid by the company she works for with the potential of making the same pay as an occupational therapist without the student loan debt. A good wife is hard to come by "She goes to INSPECT a field and buys it; with her earnings she plants a vineyard. She is energetic and strong, a hard worker." -Proverbs 31:16

[@dexterm1285]

@@zenFreq ATSU. She was already a PT at the time...she had a ton of course work and homework I'll say more than other schools that cost more she said. We had to fly out to Phoenix for her graduation though which was sort of cool and made into a little trip.

[@joshheiller2710]

@@dexterm1285 maybe a transitional DPT (tDPT) costs around that amount (now much more though im sure- at least 50% more). However, ATSU's current DPT program is closer to 120k (not including cost of living of course) for their DPT program so you're not comparing apples to apples. Not a fair or helpful comparison and misleading. Medical education is very expensive and most would say overpriced. At the end of the day we need doctors, nurses and physical therapists. I don't know how helpful it is to blame medical professionals for taking on debt instead of focusing on the issue at hand which is the cost of education.

[@dexterm1285]

@@joshheiller2710 seems to make more sense to then get tDPT...no reason to get into huge debt for a DPT. She also went to college in the Philippines (where she is from) and passed all her exams in the US. So total cost of her education maybe around $25k or so instead of paying $100k+... US education system is a joke now and way overpriced for what you get.

[@bluegoka]

If the roles were reversed how many women would marry him?

[@July.4.1776]

Zero

[@bluegoka]

@@paraguayaenalaska730 hi, your lying ex husband proves my point.

[@pseudorealityisreal]

@@July.4.1776 Wrong negative 😆. Even the women potentially considering dating a guy would run miles away from him.

[@5000MikeMaster]

@@pseudorealityisreal he’s probably desperate, not many options

[@dang75790]

I'm convinced this is a satire site! Lol

[@dang75790]

@Johnny Five I'm talking about Dave's callers! He has to set this all up! If people who call in are this stupid? Well ...? You know the answer!

[@jmanaid2131]

😆😆😆

[@itslash8493]

*before I watch I’m betting 6$ the caller is not a doctor*

[@jamesjazzy8040]

Forget about that... how did you get the bold writing that no one else can do...

[@itslash8493]

@@jamesjazzy8040 *you tube red subscriber feature*

[@amberlucero2803]

One word: run. 🏃‍♂️

[@xktwnxl4zlx213]

With speed and intensity!!

[@roolyfe]

America 🇺🇸 marriage! Hence why I will never 👎 marry a western women! Zero loyalty

[@rayhill5767]

@@roolyfe I think you have to live here first

[@justinacase2623]

Like AWOL nation, run

[@MarcyJ2F]

Waweru N. Gatimu i hope that you made this response on the male commenters saying the same thing.

[@itisAlex_]

Why do people rush marriages? I bet a can of beans and a bag of rice she’s one of those girls who say “if he doesn’t propose by year 3, I’m out”

[@andrewde78]

Elephant vs Rabbit hunting. Very Very accurate analogy (no sarcasm).

[@nurse.christian]

They’re not ready to get married. Slow down & get your affairs in order first. ✅

[@anthonylozano8035]

easy. stop simping. invest in yourself. don't get married to a woman with 200k student loan debt

[@israelruiz8706]

I mean the hope is that she will be making money at the end of it, but yea 200k is a lot. Ive seen horror stories where the students drop out of med school with 200k of debt. That is a true nightmare

[@glich610]

@@israelruiz8706 according to dave PT's make about 80K/year. At 80K with 200K debt, I dont think thats good value. Not impossible to pay off but definitely will hold them back with investing/house purchase/etc

[@anthonylozano8035]

@@glich610 Horrible ROI. A wise person would look at that and say no

[@israelruiz8706]

@@glich610 true, but that's the mistake she got herself in. I have student loans myself but I try the best to pay it off. Get tired of hearing forgiveness tho

[@krassimirpetrov7131]

Best advice

[@maxrice6990]

Dave's got a soft spot for real estate, no chance he'd recommend $200k of debt, living at home, and working on a master's degree for a commission job at a "small firm" that currently is bringing in $23k if this was any other field

[@chrishooshmand]

She'll graduate and 6 months later decide she wants to be a stay at home mom. Good luck brother.

[@lionheart93]

Lol

[@lionheart93]

F that get her working for at least 5 years then she can stay at home

[@dexterm1285]

Somebody has been watching this channel for awhile.

[@CC-sj8hd]

Then has 2 kids and decides to homeschool them through high school.

[@echoo9787]

Why are there so many jaded people on this thread?? Geez. Sometimes marriage = partnership and team players who work together and do well! Keep hope alive man.

[@strang1124]

BAD ADVICE Dave. Don't get married til you have matched or passed her income. As a man he needs to get his $$ to where he can afford 3 people & a house BEFORE you get married. Who thinks this is a good idea?

[@RealAmericanStar]

And he's only making 23k? Bruh you're only 23. Go live a little

[@cjlive5182]

Cept the lockdown thing

[@jtyree0226]

Simping ain’t easy

[@dannyhantx]

Sell the fiance.

[@JB-kx9bx]

Commercial real-estate must be in bad shape right now with companies doing work from home.

[@CEDL4072]

Dump her! My ex never told me about his debts. It has now more than doubled but that's his girlfriend's problem not mine hallelujah! Lol!

[@skunkycatog]

What’s good!!! I have 2k in debt, cool 401k and drive a stock Honda Civic w/ 200k plus miles. Where are you located 😂😂😂😂😂😂😂😂 jk jk jk.

[@JB-kx9bx]

This is why I married an engineer with $0 in student loan debt.

[@DrRRaza]

If this is why.....

[@ktee1403]

Wow! Shallow much??

[@JB-kx9bx]

Let me rephrase that I'm with my wife because I love her, I would not have married someone who had a bunch of debt and/or no career.

[@DrRRaza]

@@JB-kx9bx I don't know, didn't really make it better.

[@same.7939]

I don't think it's shallow at all. I'm with you J B! Anyone who thinks marriage is all about being lovey dovey and not about numbers & finances is incredibly naive. The numbers have to add up from the jump.

[@mike569112]

Make her your ex fiancé.

[@mike569112]

200k in your pocket doin nothin.

[@ericmckenzie9708]

Taking my ex wife's advice of investing in the online trade market was the best thing to come out of our marriage, I've been recording some massive payouts investing in it, investing has got me working lesser shift and has given me enough time to become a better father.

[@ericmckenzie9708]

Though I still make a comfortable $19000-$20000 a month investing with my broker Mr Hovik, maybe a proper investment could help.

[@ericmckenzie9708]

@

[@leadnsteel1428]

Every time I watch the podcast I think of the theme song whenever they take a call lol

[@elianah8803]

He’s not even married yet and sounds depressed.

[@aceshy2725]

Exactlyyyy

[@July.4.1776]

I would wait a few years to get married. Don’t rush to marriage!!!!! Get your lives going and get those bills paid prior to marriage.

[@avitony35]

This is a monster debt brother. If you both get through with this without killing each other, y’all need to stay together !

[@DragonMama-yt3zs]

Don't get married. Depending on the state, her debt becomes their debt and if there is a divorce, he gets half of her debt because it now considered community property. No joke, when I got divorced in CA., I got 50% of my husband's debt.

[@bradmitchell4936]

Her parents must be counting the days till you marry her. Parents out!!

[@TheePrettyGirlSwag]

😂 y’all go hard in the comments.

[@BosticReiva]

No need to rush into a marriage at 24

[@SynterraSteen]

Who says it’s a rush?

[@aolvaar8792]

By the time a woman reaches 30, over 90% of her ovarian reserve(eggs) is gone.

[@markh.6687]

No need to get married at all. Ever.

[@ladye2818]

@@aolvaar8792 Over 90%? Oh noo, are you sure? I've always thought women were fertile until they turn 38 🤔 Guess I was wrong! I know a lady who had her 3rd at 37, and my Mom conceived me at 39. My father is a decade older than her too!

[@aolvaar8792]

@@ladye2818 ??? Do a search "90% eggs gone"

[@bk_deltor9155]

just reading the title, well, her debt is now his! congrats bro!

[@retiredmanager510]

Most people that own big commercial Properties are also commercial real estate brokers. They sell the properties and buy properties in tight net circles.

[@whitneyw.7919]

Dave does people a disservice by not telling them to reconsider marrying people with hundreds of thousands in student loans. Ain't no financial peace in that.

[@JiisTube]

Yes you can only marry rich people who have never made a mistake and never build character and who will never work hard to overcome problems with you to grow with you. I learned that from the helpful youtube commenter

[@autismwalk6855]

My suggestion: walk away, bro...walk away!

[@JogBird]

PT is a professional masters level everywhere else in the world

[@aznfootballplayer]

Not anymore. All schools are now a doctorate program (not PhD like they mistakenly said in this video). Tacked on one more year of school with no increased pay

[@masterlee4370]

If I only knew at 23 what I know now.

[@aceshy2725]

I'm a Gen Z, what do you know now ??? Can you drop a Gem

[@SeanConneryPimpShlap]

@@aceshy2725 Don't do commission-only sales jobs. Unless you try it for a few months and end up being a great salesman. If that's the case, immediately start networking and trying to get a good sales job with a strong base salary - like software sales, pharma, med device, etc. Remember, the people selling you on working a commission-only job like that are good salespeople.

[@blakew9422]

Don't get married its not worth it

[@justinacase2623]

Blake, spot on.

[@tdgdbs1]

She'll monkey branch the moment she land her first job.

[@blakew9422]

@@tdgdbs1 guaranteed

[@justinacase2623]

@@tdgdbs1 sad but true

[@cgasucks]

Especially at that age. They should focus on their careers and working off that debt first.

[@GARNET-DAGGER-FF9]

You're not married yet so call off the engagement and run!!!!

[@xktwnxl4zlx213]

With speed and intensity ;)

[@simonbelmont5801]

@Johnny Five disassemble Stephanie?

[@jarrettpierce5626]

It’s a great plan! Love has no boundaries!

[@truthseeker8844]

My sister describes Cheesecake factory as “upscale Applebee’s” 😂

[@gardenjoy5223]

RUN !!! Run FASTER !!! And Never Look Back. You'll find a decent woman, who won't wreck your life, soon enough. Love makes incredibly blind, obviously.

[@markh.6687]

It's not that she's not decent, it's that these two shouldn't be getting married in the next few years, because they'll be so broke they'll have to buy the day-old rice and beans for 5 years, assuming they even survive a year of this disastrous plan they concocted.

[@gardenjoy5223]

@@markh.6687 Decent as in 'not wrecking your life'.

[@Bachelbasquez]

Why are they getting married living at his parents????

[@5000MikeMaster]

Because they are children

[@SynterraSteen]

@@5000MikeMaster or their parents are trying to help them get a leg up. I lived with my mom and fiancé while we built a tiny house, when we came back from our honeymoon, we moved into our new tiny house.

[@5000MikeMaster]

@@SynterraSteen There's no dignity in leeching off of your parents when you're a working adult. You can't stay with mommy and daddy forever should have left the nest already especially when you're married.

[@xyzsame4081]

@@5000MikeMaster actually young couples used to live thousands of years with their parents. if the inlaws are nice it is a major help. the CUT their spending and might help them out as well when she does residential (which is a grind). Only a small space to clean, maybe MIL cooks for them. heaven forbid that family help each other. That the parents give the kids a leg up.

[@Penguin-kr9do]

@@5000MikeMaster Nothing wrong with staying with your parents to save up so you can leave with a good financial foundation. This stupid logic results in people moving out and being broke forever because they have no savings.

[@VTmyET69420LaTesla]

Dump them immediately and without hesitation. Why would you enslave yourself for the rest of your life?

[@TexasEmperor]

Run dude!

[@Ryan_DeWitt]

She most likely would be just as well off with a heck of a lot less debt with a standard PT degree. Don't get married dude. More and more men are figuring this stuff out hence one of the reasons marriage rates are going down and down.

[@MadDogSouthHouse]

I currently go to school and study physical therapy and unfortunately to become a physical therapist it requires a doctorate degree these days. I took the smart route and went to school for physical therapy assistant. Under 20K for the entire degree and the pay scale honestly isn’t too different.

[@princess287love]

You need a doctorate these days...

[@dsy1081]

Degree inflation is getting ridiculous. Unfortunately, you do need a doctorate now for an occupation that really doesn't need one.

[@5000MikeMaster]

@Johnny Five I agree I was planning on doing DPT but now I changed plans and I’m sticking with AT.. need to stop attending these overpriced programs they aren’t worth it

[@marijimenez8545]

Woww! 200k for DPT degree to only make ~80k is crazy! & thats not adding the interest yet. Nope, hopefully he doesnt marry her until she pays that off.

[@muzikbenimisim9133]

Nice video! What about FBC13 algorithm review?

[@LTJuni0r]

It’s even worse because he’s broke too. If they are able to deal with each other’s financial predicament, it’ll literally take a miracle

[@danielvasquez3758]

If you’re relationship is getting serious, yeah you’re going to have to tell your partner to open up them books and help them pay off most of that debt before anyone is legally married.

[@danielvasquez3758]

@Johnny Five If everyone took that approach, almost no one would be getting married and/or seriously dating. Also, taking that analytical approach makes it seem that you’re applying for a job and not trying to be in a romantic relationship with someone. Also, most people aren’t going to be comfortable sharing intricate and confident details about their lives on the first few dates. That’s ridiculous. Again, you’re not applying for a job and there’s no need to put your whole resume at the beginning of a relationship.

[@regb6989]

Finances are a big part of any serious relationship. And marriage is just as much of a business transaction as it is romantic. I’m not sure about a third date but the more transparent people are the better equipped each is to make a decision to pursue further.

[@danielvasquez3758]

@@regb6989 This is true but as with anything nowadays, more than a few people out there are looking to scam others and everyone should be on guard and aware of that. A serious relationship is up to anyone's definition but people should have a serious definition and standards of it.

[@danielvasquez3758]

@Johnny Five That I almost universally agree with. I say almost because age is also an important determining factor. I have seen high school couples be together in a relationship for years and when they graduated, they were still together but they weren't talking about getting married or having a more serious aspect to it, especially not at that age. Other than that, I agree that honesty and having everything at the table is the best way to go about it, when it is appropriate.

[@SynterraSteen]

@@danielvasquez3758 age really doesn’t have anything to do with it

[@patti9339]

Sorry, I wouldn’t marry until she pays off her own debt. I will never understand how anyone marries someone with large debt. 200k for a PhD that doesn’t increase your salary. That’s a PhD in DUMB.

[@timdaugherty5921]

Leave her immediately

[@carylhalfwassen8555]

Nobody is going back to large scale offices anytime soon. My son works for a firm that has come to appreciate the work from home model. The firm is buying out leases on 2 of five large buildings and no longer building new office space. Office space will be reduced 60% for this firm.

[@weswest8666]

Terrible ROI for an education

[@RayAndre]

These stories make me so grateful for my wife. I married her when she was 20 (I was 24). When we were dating she worked and went to school, had saved up 10K all on her own (and zero debt). 1 yr later we got married, and after another year we had a child. Now she stays home with our baby boy while I take care of the finances. There is hope out there, men!

[@SynterraSteen]

Thank you!!! That’s such a sweet story. I married my husband when we were the same age. No baby but living our lives to the fullest together! I wish you a blissful union 🌻🖤

[@RayAndre]

@@SynterraSteen thank you Syn! I wish the same to you and your husband.

[@snowpz]

This comment gave me the ick so bad. Mainly the 'theres hope out there, men!' Part... Jesus lol

[@DrJaredNelson]

It seems like the opinion is always, "Do you love them or the money more" until the debt they are bringing into the marriage is a vastly significant number.

[@maxwellspeedwell2585]

RUN!!!

[@J0hnny0]

Run as fast as you can dude.

[@AlexRubio]

Huh guy will learn the hard way.

[@JakeStewart1343]

He likes it hard

[@philsowers]

We all definitely need to see the Dave Ramsey with a Magnum Pi mustache wearing a disco suit selling real estate. lol ;)

[@markh.6687]

That's almost as bad as gun guru Paul Harrell when he dressed like a 1970's detective for a demonstration with a 'snubbie' handgun like a detective would carry back then. The cliche was alive!

[@steve03260]

"What should I do, how should I prepare?" Streatch ... then you should RUN! ..... like a gazelle!, GAZELLE INTENSE!!!

[@dabsmoothbeats1174]

Don’t get married before you have your own place. What kind of sense does that make?

[@ddfamf88]

Total sense