My Wife Is Afraid to Pay Off Debt!

[@asavannah7439]

I just said to my husband today, that I am so happy that we don’t owe a single penny to anybody. We even paid off our mortgage in our Forties 🎉

[@rustykatt3870]

Congrats A Savannah! 😃

[@mattschmitt9924]

Great job! Feels good to breathe air in a home you own. Congratulations!

[@karlabritfeld7104]

Me too

[@blackworldtraveler3711]

Wonderful thing.

[@jimroscovius]

That's awesome!! We didn't pay off our house until our 50s, but we bought it in our 40s.

[@sassed12many]

Ex wife got remarried after 20 years to someone financially worse than her & told my daughter now she knows how dad felt. She doesn't have a clue how I felt

[@karlabritfeld7104]

My ex and I got divorced 35 years ago. He's still penniless and I'm worth one million.

[@dougholdem2898]

and that's why she's your ex

[@rhondahopkins4366]

The banks are loving these stupid people. 8-year car note and 40 years mortgages. Invest in yourself first.

[@Ryan_DeWitt]

What is it with trucks and over-spending? Over half the time I see someone with car payments that don't match their income usually a truck is involved somewhere.

[@na2305]

I can relate to this caller. Talking about $ and wanting to knock out debt stirs up heated arguments. I feel for this guy. Stay in debt and stay married or pay off debt and live in marital misery/divorce.

[@richprokop5155]

Jake: If she doesn't change her mind time to get a divorce lawyer... That will get her attention...

[@shanep2760]

When I first started dating my wife, she always said she wanted a truck, until she borrowed one for 3 days and spent $50 in gas. 😆 Thankfully that changed her mind

[@stevenporter863]

Trucks again? Unless it is part of a business who needs about $70k in trucks? When will people learn? Most in distress callers seem to have too much trucks, kids and/or house(s). Dave said it, until she is on board basically nothing is going to happen. Welcome to marriage: where the difficulty levels and complications are more than doubled.

[@costco_pizza]

Yes but what kind of life is it to drive a used Honda Civic all day? Who will respect or appreciate you? That is not a proper way to live. They wanted the car that tells the world they are somebodies, not nobodies. I completely understand why they did what they did.

[@johnmitchell2741]

👌

[@stevenporter863]

@@costco_pizza Hope you are kidding. Delayed gratification: separates adults from children

[@TonyCox1351]

I’ve got a coworker who makes half what I do, got a heloc, no emergency fund, and just bought a brand new truck. It’s a disease

[@kirsten9323]

If it gets her on board, just keep the 5k in savings. Use extra money from now on to pay off debt.

[@jimmymcgill6778]

And that is what he said she is saving. Dave's followers want to get out of debt so bad, that sometimes they try to go overboard with it. And make it seem worser then it is.

[@lawrence-juniornalty]

Lol that's a plan but it's not Dave's plan 😛

[@spot_of_tea53]

It’s called Dave-ish

[@RRK1]

Dave’s plan really works. Just took me 25 years to get it. I now use my story as a cautionary tale as I could have saved a lot of money by doing this sooner. It can be done, I was in the same boat as my spouse wouldn’t come onboard. Good luck to you!

[@karlabritfeld7104]

My ex husband wouldn't come on board with me. I left him and am now worth a million dollars.

[@MooMoo69556]

Ur already old

[@RRK1]

@@karlabritfeld7104 amazing how that works, right! Same here. Old way was spend spend spend, borrow borrow borrow and then borrow some more to spend. Vicious cycle. Glad to be done with debt!!!!

[@tedmartin4882]

Everybody wants those big expensive trucks even when they can’t afford them. And they’re only in their 20’s. I got mine at 47 years old and paid cash

[@blackworldtraveler3711]

First thing I noticed after moving to Oklahoma.

[@Jedi12789]

They have a good income for their age. Maybe I view it like that because I work as a teacher. Agree with Dave, ‘you guys make too much money to be this broke.’ And that is 100% the truth.

[@DSLightning21]

The video title is misspelled, but we get it. She IS the debt. 😉

[@scottmorgan6099]

Glad you could comment on that,..

[@michaelvan6675]

Someone getting fired

[@spot_of_tea53]

What is you mean?

[@prvtcaboose]

The titles are usually based on what the caller said when they were screened, not what Dave says.

[@shachede6828]

She is not the car he bought. 🤷🏽‍♀️

[@brucekiraly5630]

Divorce her.

[@Ink30]

She doesn't wanna give up lifestyle stuck on these fancy cars and money

[@angel-ij4xv]

she wants to live that luxury lifestyle

[@alinatamashevich3354]

@@angel-ij4xv Bingo

[@karlabritfeld7104]

Sounds like a man.

[@Genshinaction]

Keeping up with the Joneses will keep you broke every time😅

[@Cahluvca]

Every time!

[@grayandgray]

He could deal with his truck right now, but it could fracture the relationship when one person charts a path independent of the other...I'd risk it. I wish I knew the income split between them too. Maybe that will scare her into action when he looks like he's moving ahead no matter what.

[@Lon1001]

Sell the wife??

[@shachede6828]

Man the 1k Dave savings never worked for me. I put over 10k in saving them started paying of the debt like crazy!

[@OhWell0]

His co-host here actually told a pregnant mother of three whose husband was getting laid off to dump her savings into their debt. And then told the mother that she needed to pay off her debt more than prepare for the future.

[@OopThereItIs77777]

This. Is. The. Way!!!! 👏🏻👏🏻👏🏻

[@kunya16]

Yeah the 1k just isn't enough at all. 1k in emergency savings won't pay for any emergency. Save at least three months of expenses and then get into the debt snowball.

[@Bertuzz84]

@@OhWell0 They seem pretty religious about paying the debt off. I would want a healthy buffer first before paying off debt, if i had high interest debt. My thinking is that its more about getting people to be against debt, instead of it being a rational decission in the moment. Paying of low interest debt is just stupid, you are trading valuable money for lower value money in the future.

[@OopThereItIs77777]

I love DR & rave about him/his team to everyone, but it was annoying for him to keep cutting Jade off. Hopefully production gets with him on that

[@skibum6422]

The amount of debt should be paralyzing her not the thought of paying it off.

[@shumatsuopost]

Dave is spot-on as always!

[@spot_of_tea53]

Spot on indeed

[@bantizzle79]

I would be worried as well dipping into the 5k savings account if that is their only asset

[@Thoughtsbyme-ts4jz]

The savings I understand but not downgrading the cars I don’t

[@bantizzle79]

@@Thoughtsbyme-ts4jz yeah they got to get rid of those trucks ASAP. Hopefully they are not that much underwater with the loans

[@RanchExplorerHQ]

Thank you 🙏 great observations and advice. ❤y’all!

[@nass5964]

90% of the time either the husband or wife hate the word budget

[@deathbysonar]

I smell a divorce on the horizon. I started the Ramsey process in 2018. My divorce was finalized in 2020.

[@alinatamashevich3354]

No, you are free, do not repeat that mistake again.

[@oroville12345]

​@@alinatamashevich3354 facts 🎉

[@alinatamashevich3354]

@@oroville12345 A while back my b/f asked me how I felt about getting married. I told him he better not have a ring in his pocket, he never brought the subject up again. We are still together.

[@OTOWN2STOCKTOWN]

Great job, Zach!

[@thedeels7522]

He doesn’t need a divorce. He needs to have her watch Dave and hear it from another mouth.

[@ronaldnichols9945]

She wants Control. She's not afraid.

[@Agingcowboy92]

She doesn't want to pay off debt because that would mean to hold her accountable for her actions

[@flch95]

Dave is right. It definitely won’t work unless BOTH are on board. To ask a spouse to live like no one else is an impossible sell.

[@cassieshaffer8613]

Cheaper cars do breakdown..alot. this is a issue for sure. I spent more on car repairs more than the car is worth.

[@djpuplex]

She wants him to pay off the debt with "his" money and not "hers". That's what's going on. She's using security as the excuse.

[@jimroscovius]

It's THEIR money, not his and hers.

[@jasonrodgers9063]

@@jimroscovius Not according to HER. Good luck to hubby if he says otherwise.

[@jimmymcgill6778]

She just does not want to empty the savings. It's like people don't listen.

[@djpuplex]

@@jimmymcgill6778 It's being emptied anyway by interest payments.

[@jimmymcgill6778]

@@djpuplex No it's not. or all we know, they can be paying like 6k a month towards. But some people want to go hardcore with it.

[@gavinivers8941]

Why do I think she is scared of what this will look like to her friends down scaling the cars to pay of dept.

[@sblijheid]

It's social pressure. What will xyz say of me if I don't drive a cool car?

[@Cahluvca]

Union over others opinions

[@robcook6120]

She simply sees the guy as a wallet to subsidize her lifestyle. He is in for hard times ahead. Men are in love, women are in business.

[@mattmasteringer4399]

Facts. I always say we men fall in love with a woman but woman fall in love based on what we have to offer, and once that is gone, she is gone to the next man. Man love unconditionally but woman love based on certain things.

[@chantre17ms]

Husband's can be a lucrative business. She's not handing it right.

[@zoraster3749]

Men value love and women love value.

[@karlabritfeld7104]

Men want a ten while they themselves are a two.

[@poeticprincee9750]

You didn’t say this loud enough for the people in the back brother! It’s a truth most women aren’t willing to admit.

[@jreinel1966]

Most wifes are like that,they let the husband take care the deb in order to keep living a countable life..!

[@Josh_Roberts]

Spot the incel ^^^

[@sblijheid]

The word is comfortable.

[@jamesjazzy8040]

She's afraid to pay off debt because she realizes debt never goes away.. After I "got out of debt" I realized just how much debt I still really have ( Taxes insurance, health care insurance, gas and electric, phone bill, cable bill etc, etc, etc...$9500 a year and i'm supposed to be out of debt?

[@sxtsxt6714]

That’s not called debt….. sorry 🤷🏽‍♂️

[@vdoggydogg3922]

Those are just expenses

[@YutubeBansALot]

I once had a $240k student loan, pediatrician indoctrination is expensive all to end up being big pharma pusher in many cases causing illnesses after the jab schedule, dark industry , then I left my girlfriend bye bye student debt, now I’m debt free single happy and looking for a sane woman

[@arga400]

"My DOCTOR Girlfriend told me medicine was good but I didn't believe her" okay bro, good luck on your quest for a "sane" woman lol

[@YutubeBansALot]

@@arga400🐑 trusted Fauci and the CDC lets start there, wonder how that is going after the truth came out… also you have no idea what I am lets say im a chemist for a pharmaceutical company and know exactly what happens to your brain after taking “medication” , wake up look up how many “peered reviewed” researches came out to be faked…

[@djpuplex]

"Sane" women are still sneaky, self absorbed and untrustworthy. Stay single want a loyal companion? I hear dogs are nice.

[@mattschmitt9924]

​@@JesseD34 don't forget antidepressants and opioids. Medical malpractice is responsible for over 10 percent of all deaths in the USA. That's staggering.

[@CristianLL]

Dave can’t wait for the women to stop talking to disregard them. I love it ❤❤

[@richardm5540]

I love to see how fast Jade became a yes girl!

[@INSP.BLAISE]

I think the callers are is on the screen and Dave’s always said a year off just to say it’s like I’ve done this before 😂

[@davidmilhouscarter8198]

3:51 “This is Fine.”

[@davidbrayshaw3529]

Why on Earth do people go into debt up to their eyeballs to buy cars? There is only one better way to burn cash than buying a nice car and that is to buy a nice car on finance! And two nice cars on finance? That's absolute lunacy. My wife and I didn't get our first decent car until we'd had our home paid off for over a decade and our son had left home. And even then, our "second" car was an old Mazda hatch worth a couple of grand, tops.

[@blackworldtraveler3711]

I was in my 40s before a got my first used car that didn’t leak oil. Something so simple and wonderful.

[@mattschmitt9924]

I think most people do it because it's "normal" to be in debt to your eyeballs just to have shiny things. Then you grow up (not at a specific age) and realize they stop being shiny before they're even paid off.

[@MrTmenzo]

I got to look "cool" man 😂

[@tristan2332]

Never bought a new car and I'm in a good place financially. It's makes no sense might as well set fire to thousands of dollars. My current Lexus new would been $35k+ I paid $13.5k cash in 2020...worth more than I paid now ha. The argument that used cars arent reliable is laughable also...as some of the worst cars I've seen friends have issues with were new.

[@davidbrayshaw3529]

@@blackworldtraveler3711 I haven't had a car that's leaked oil for many years, now. You're really taking back with that one.

[@lot2196]

Dave, stop cutting off Jade.

[@michaellutfy4405]

Picture if the situation were reversed? The wife called up, and the husband didn't care about the debt. Can you imagine the wrath Dave would have for the husband? Here, Dave makes lots of excuses for the wife -- "she is just misinformed." This is typical.

[@claybob]

She realized she won’t be able to spend whatever she wants for a short period of time and she’s not willing to sacrifice her comfort for the long term good of the family.

[@kellyglenn5897]

Need to do FPU - the full course.

[@flch95]

In what world does a lender approve of close to $50k of car loans? Our banking system is corrupt and enabling this behavior.

[@CarlGorn]

"My Wife Is Afraid Is Pay Off Debt" ??? They need to hire someone who doesn't put in the titles to these videos via their phone.

[@JustinCase780]

Afraid of being debt free? Ohhh my! 😂 Such a scary thing...BOO!! He's married to a version of my first wife....RUN!!! She won't change but will take all the change and spend it.

[@sharonh5399]

She is afraid of getting a clunker car and having to spend money fixing it when she hasn't any money. I have been there.

[@heathermcconochie2572]

Who in earth needs two new trucks? Lord. Sell them both and buy a used civic.

[@Jman3862]

I like how the title is "My Wife is Afraid is Pay Off Debt!" Very relatable. My wife is also afraid is pay off debt. Is your wife afraid is pay off debt too? (Lol)

[@ihaveadreamformykids4400]

😂

[@jimmymcgill6778]

Wrong. He says she's will to put extra money towards it. Just she does not want to drain the bank account.

[@k_kelsey]

I is afraid is pay off debt! I love my debt!!

[@alinatamashevich3354]

@@jimmymcgill6778 And yet again, you miss the point.

[@Sheryl777]

@@alinatamashevich3354 👍

[@johnmitchell2741]

The wife aint giving up her truck She will find a new husband first

[@kennymartin379]

Keep the money get cheaper cars

[@nae4830]

That’s “funny” in that his truck is the one with the highest balance.

[@SIGSEGV1337]

title writer had a stronke

[@untouchable360x]

That makes her a liability then.

[@howlbeast]

66k in cars wow 😯

[@melanieabbondandolo481]

He should sell his truck and get something cheaper to start until he can get her on board

[@christiancat6276]

Financial Problems === Taxes💀+ Fees ☠️ is that Clear? Is Your University inform about this? Inform about Fair Tax ? They do not make 130k,... they get ripped off probably 50k,... why is this never Mentioned in Your shows?

[@garrettessary1350]

I think title is misspelled haha

[@BaconMountainMan]

He needs to walk with his wife through the process. He's totally trying to drag her into this without her really being educated on the process. He needs to throttle back a bit.

[@aolvaar8792]

He needs to WALK with his wife.

[@mjbgworld5594]

"I'm scared than your wife is and it's not even your house" LOL. This couple are very ignorant when it comes to personal finance.

[@sblijheid]

Typical for kiddies in their twenties.

[@prestonlaw]

You can downsize in car to an 8k car with mileage at 275k miles with these used car prices now!😂

[@Sheryl777]

Haven't read the comments section yet, but waiting to see the (same) people who always say something like "There is no problem, they don't need to get rid of their trucks" or something similar to that lol. Like this couple can just keep living the way they have been and be just fine financially? No I don't think so! But there are usually at least a couple of people in the comments who won't see that there is a problem that this couple needs to fix and need to work on it in a drastic way.

[@alinatamashevich3354]

You are talking about Jimmy, some people love making others rich

[@Sheryl777]

@@alinatamashevich3354 lol 👍

[@sblijheid]

@Alina Tamashevich And Reese.

[@sblijheid]

Jimmy already made those comments just as expected.

[@Sheryl777]

@@sblijheid Yeah saw that afterwards! 😂

[@kman20]

I would say leave the 5k in savings as emergency fund just in case but definitely sell the trucks

[@mikeshaw4610]

If the videos don’t help ask her to try it for a year. At that time she will be onboard. If not you can go back in debt for some trucks you can’t afford. You won’t because she will see the benefits and you will have money each month.

[@MikeWalksWithJesus]

Sell the wife

[@jeremiahsmith450]

He needs to lead by example and sell his truck

[@JamesCuck-gq5en]

So my thing is what’s wrong with getting a nice car? If you have a good job and make good money what’s the problem with getting a car?

[@viliusr.8792]

Oh noooo no more debt!!! I am no longer riding tje inflation!!!

[@howlbeast]

2:47 The wife is gonna freak out even more when she hears this clip ... she bout to be hysterical after hearing Dave say “I’m scared for you and it’s not even my house “

[@kindredkey]

2:00 wow... 😅

[@jamesmoody9363]

JOHN 14:6 🙂

[@timmymiron2727]

She's a child.

[@WhatShallEyeDo4U]

The title of this video has a typo.

[@TrackerRox]

Is it me or is the video titled wrong?

[@austinfairbanks9142]

I want to know what kind of trucks

[@commonsenseisntcommon1776]

This is why I dont have a wife, and I never will!

[@Sheryl777]

common sense...that may not be the only reason ya know?

[@johnmitchell2741]

You have to marry someone whos on the same financial page as you

[@Cahluvca]

🎯

[@robertmarshall5982]

She’s afraid of dropping the life style

[@huskyhooligans999]

❤

[@Jason-tn8eh]

Whoever wrote the title of this clip is remedial 😂

[@cjhoward409]

They should be proofreading that’s for sure ! Lol

[@adamchavez999]

Now Dave are you going to teach him how to be a man.

[@johannesswillery7855]

Someone needs to.

[@kennymartin379]

Save more money

[@jimroscovius]

These people just LOVE debt!! They are nuts!!

[@alinatamashevich3354]

Debt heads

[@jasonrodgers9063]

I would have liked Dave to repeat the story about the crapmobile a friend GAVE him after he filed bankruptcy years ago (the "Bondo-Buggy" with the loose vinyl top that poofed up like a parachute while driven!)

[@katyedwards3935]

I would've loved to see that on the road LOL

[@tonytoni1150]

Wife is clueless 😴 😴 😂

[@stealthysubie]

Typo in video title

[@spot_of_tea53]

She wanna be Dave-ish

[@tristan2332]

I'd be afraid I only had $5000 in savings as an adult...that's not alot of money just put aside for an emergency. But most of these people don't act like an adult so I guess makes sense.

[@TheFishingNomad]

How often do emergencies happen? You don't need $5000 sitting there doing nothing. Especially when you've got all that debt.

[@tristan2332]

@@TheFishingNomad As a homeowner they definitely can happen. For these people they need to use what they do have to sell these cars and get debt free and work on an emergency fund.

[@BrianW211]

Another intern did the upload and created the video title, eh?

[@jimmymcgill6778]

My Wife Is Afraid Is Pay Off Debt? Of. Not is.

[@amireallythatgrumpy6508]

To. Not is. And not of. Of would be if it was payING off debt.

[@jimmymcgill6778]

@@amireallythatgrumpy6508 This is not the first time this happened. I would have fired them long ago for a spelling mistake.

[@kevinkidneyy]

The wife is a smart 😂😂😂😂😂

[@lukeharris2622]

✝️🙏

[@SPY_0-DTE]

🙏👹

[@kelleyb]

This clip is cringy. Dave is interrupting her and disagreeing with her comments. Jade you absolutely don’t need Dave Ramsey.

[@mattschmitt9924]

She doesn't need him, but he really doesn't need her. I agree with the cringe, but it's not called "jade solutions" for a pretty specific reason.

[@ghostbird92]

I'm confused. Just yesterday he had a caller in a similar situation (income of $120k and two cars totaling $80k of debt) but he was super nice and relaxed with them, but here he's insulting them and saying he's scared for them???

[@katyedwards3935]

It was on Friday's show cuz he doesn't work on the weekends except for special events, but I agree with your reasoning.

[@moggekungen]

when is christina coming back can we change these two?

[@guccithunder6136]

I read that she wasn’t part of the Show anymore

[@TheSmoothGrind]

@@guccithunder6136 Her social media still says Ramsey Personality.

[@TheSmoothGrind]

THe chemistry between Jade and Dave isn't very good in this clip. Seems like they both have dominant personalities and just both trying to talk at the same time. Jade is really good on the radio, so not saying she isn't great at her job, but this clip was not great.

[@alinatamashevich3354]

@@guccithunder6136 Say what?

[@mattschmitt9924]

@@TheSmoothGrind I agree. It seems like she was clashing with Dave on the "bad guy" thing. Neither were wrong, but if the boss says he's not the bad guy on national radio, you don't contradict him to make your point unless you wanted to go back to Sam without a paycheck.

[@mmp495]

All I can say is....🏃‍♂️🏃‍♂️🏃‍♂️🏃‍♂️💨👟

[@alexandru5369]

Not afraid more like she wants too keep up a delusional lifestyle

[@Stephan2P]

Dave has a bad habit of interrupting his co-hosts.

[@ferngrows6740]

Perhaps but it is called 'The Ramsey Show' so there's that. . . . :)

[@XennialGuy]

Yeah, it's cringe sometimes. But I think they all know that's just the way he is and don't take it personally. It's called being a "conversational narcissist". It could also be a form of ADD, and I don't think Dave realizes when he does it; his mind is so focused on his one thought that he blocks his hearing.

[@blackworldtraveler3711]

He’s the boss and TV star.

[@nickblooruk]

Especially as she was the one who initially understood the problem.... Lack of knowledge

[@L.O.R.DRecords]

What’s jade iG