I Feel Like I'm Never Getting Out Of Debt!

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[@megafraneldelavaina9113]

This lady was literally drowning in a 2 feet deep pool 🤣🤣🤣 smh.

[@amydoran9987]

Her life does not seem so bad. She was literally acting like her finances are desperate.

[@adamseidel9780]

She’s just sad that she can’t go out for $300 biweekly mail appointments and $5000 biannual vacations for a year and a half.

[@blueflameSM]

I was fucking floored when she said her household income was $200k+. Are you kidding me, they got a big ass shovel for their debt, lord have mercy lmfao

[@investinghike215]

0

[@channell11]

She doesn't like living lean to pay off debt. She wants to be living in luxury and enjoying the money.

[@evanl889]

It’s not that she’s tired from before they got that wrong. It’s because she went through all that schooling and now she wants to spend her money, go on vacations, and enjoy her life. It’s an entitlement thing. I could tell as soon as she said she is giving her life to this because I have had many friends say the same thing after college when they had tons of debt but wanted to buy houses. Imagine the entitlement of taking out 220k in loans and feeling it it’s stealing your life to have to pay them back.

[@l.gibson6422]

Right! That's it!

[@cgasucks]

She's attacking her debt and I applaud her for it, but she is whining about it instead of keeping her head down and attack that student loan debt.

[@tomw485]

It’s just the reality of her situation smacking her in the face. I don’t know if she’s entitled so much as just overwhelmed. Despite her income having nearly a quarter million in student loan debt is still kinda scary. She just needs to get tougher.

[@amydoran9987]

She was really upset when she called. It was awkward.

[@Chicago48]

How is it a chiropractor gets $220K in student loans? does it cost that much?

[@carryonjeeves]

I love how Dave just cuts right through all he attempts at avoidance: Dave: "How long has he been out of work?" Caller: "Blah blah sniffle blah blah whimper..." Dave:"HOW LONG HAS HE BEEN OUT OF WORK?"

[@kvgolfa]

"2 days" "Actually not at all" 😂

[@Shelly_B]

The lady actually said two months... a nurse out of work for two months???

[@alexpeters7159]

The best gift that was ever given to me was to struggle and pay off all my debt. What you learn throughout that process and the sacrifices you make will change you forever and not only towards money

[@juliawitecka889]

Couldn’t agree more!

[@chedbeckford8067]

She was crying because she wants to enjoy her money and live like her friends.

[@defaultname7685]

This is the kind of person that interrupts the couple about to be foreclosed on their house and their utilities shut off to talk about her problems and how “we’re all suffering” like she’s right there with them

[@margaretslaughter8320]

She just doesn't want to pay off her student loans. It's hard to be compassionate in this woman's situation.

[@darkbee2359]

I don't know what this caller wanted to hear but it helps when you're truthful about your situation. We aren't just missing a piece of the puzzle with this call, we're missing half the puzzle. If I made $150k (as a single person), I'd be living like a king right now because I could probably get my house paid off in a couple of years.

[@Chicago48]

How come a chiropractor student loan is $220K?

[@fabbz94]

Not in California.

[@urbancitygirl3696]

Yes, she’d have a heart attack with my income. And I have a masters degree.

[@lukerider479]

You probably bought a house that matches a person with a lower income. If you made 150k you probably would buy a house that matches that salary.

[@magicdaisies5242]

She wanted sympathy and him to say she can still have a nice life. The fact the husband is currently part time shows he's not as bothered as he should be. Yes he's waiting on a good job but until that's signed off I would've stayed put.

[@jimmymcgill6778]

They make good money. Why is she complaining?

[@susanedghill609]

@Jimmy McGill....she hasn't discovered beans and rice yet 😁

[@mattmasteringer4399]

It’s that time of the month. Woman tend to be very emotional during their bleeding cycle.

[@MrJimmy3459]

Because they want that 250k lifestyle, the Benz, the 800k home, vacations to Italy and Spain...........

[@andnew1335]

Cuz she’s a woman

[@CemNCoreSeries]

She's not tired. She's just upset about selling all their stuff.

[@MisteRRYouTuby]

Yeah, and the fact that she had to make that sacrifice caused her to panic…yet that sacrifice brought them 80k dollars CLOSER to financial freedom.

[@jamesjackalone5486]

Call the wambulance.

[@hardchooligan]

"I'm mad we make a ton and don't get to go out to eat every week", thats whats happening. If ypu don't want to do the 100% ramsey plan that's fine, do a less intense version that works for your house. But if you are going to commit to the baby steps then just do them

[@pey7777]

Dave gave them a $50k raise out of no where and then ignored that on $250k gross you take home around $180k depending on the state. This is a 3 year plan at best, not a 2 year plan

[@rooster5755]

will agree..hate when dave never figures in taxes,house stuff,kids,daycare...all this stuff adds up

[@sidehustlevikki1066]

Ok I thought I missed something 😂

[@NWI_Steel]

Right? I love his math sometimes

[@joeaaronsen]

@@rooster5755 Agreed. Taking all of that into account would make it harder for him to sell the program as being trivially easy if you are just intense about it. The program works, but not always trivially easy to be out of debt in 1-2 years.

[@floresnashvilledrummer]

@@rooster5755 When he says living on $150K/year, that's literally what he's referring to. Life and all its costs.

[@Solo76239]

“Somebody gotta come smack you” 😂 😂

[@joshw7415]

Jade and Dave are the best! Incredible energy!

[@NikiLivi5]

She sounds tired and like she has totally deprived herself. Maybe give yourself a short weekend cheap vacay. Start getting outside and walking. Being in nature is proven to improve your mood and clear your head. Take up a hobby or set time aside for something you want like reading a book etc. Do something that won’t greatly impact your money but gives you something that’s just yours. It sounds like you need some down time and this will help.

[@thedeels7522]

Yes she’s burnt out with life. I get that. I’m in the same boat.

[@GraphicSolutions360]

She’s in debt, she doesn’t need a cheap vacation.

[@yasminogbu8929]

Such an inspiring show. Asking questions is key 🔑

[@azteca6695]

She's drowning in a glass of water......🤨

[@leojamias1275]

Dave Ramsey is America's financial guru.

[@joeplem5329]

She's not going to do it, probably waiting for loan forgiveness..smh

[@mattmasteringer4399]

Umm loan forgiveness only approves a maximum 20k, still not enough. It would help although.

[@MYTMIC]

She's self employed, not going to get loan forgiveness

[@lonestarrk9308]

My wife and I have been doing this for 3 years. We just got into baby step 3. We make 1/3 of what these people make. I also sold my truck. She needs to take a deep breath.

[@GolfDuff]

Nothing beats rich people complaining😂

[@wbae1340]

Never invest in actively managed mutual funds with a smartvester pro. Passively managed mutual/index funds and ETFs will save you hundreds of thousands over decades of investing.

[@jayfilm3023]

As Dave would say ‘ somebody call the WHAMBULANCE’

[@cookinthekitchen]

It is kind of funny. She seems so disconnected from reality. If you make 300k and you pay your taxes, at most she and her husband make 150k a year.

[@tammypritts8102]

I feel like this lady...i cry and pray everyday for some change 🙏🏻 I'm the only one making ends meet and I'm losing my mind on it...

[@gero4415]

Maybe stop blaming the husband while she is being over dramatic? Especially the husband is actively paying for her student loan.

[@TaurusBebez]

Maybe you didn't hear that they both paid his student loan debt off first?

[@gero4415]

@@TaurusBebez doesn’t change the fact that the husband is actively paying down her loan now.

[@acrane1100]

When I was in my senior year of college my class was visited by a recruiter for a chiropractics school. When he asked if anyone was interested in that no one raised their hands and he asked why. I asked back how much it costs and how much I’d make after graduating. He gave us all paperwork saying the in state tuition was $22K per QUARTER and average salary in the state was 70K per year. Yeah, it’s a crock.

[@brittanys.7191]

When she said “this is the walk,” I thought she was going to say “this is the way.” Lol Ramsey and Mandolorian nerd here😂

[@bgbell3049]

Each person’s problems are very big to them. Even when the problems seem like nothing to someone else. Maybe she just needed to vent.

[@michaelrichardson4913]

Has Uncle Dave gone soft? I was really expecting him to say “Live on 90 and be done in a year!”

[@FreeAmericanUSA]

Debt is a battleship chain around your life. Live below your means in life.

[@fsm12385]

I think her problem is its easier to swipe and buy than giving up what she believes was all hers

[@wake-upwednesdaypodcast]

Emotion catching up after doing the logical conclusive change of lifestyle. But everyone saying they got enough to eat and why is she calling DON’T MAKE ENOUGH sooo work harder

[@jeremiahsmith450]

She’s balling her eyes out because she’s been working hard for 4 months, and she makes $300k? I think I can speak for everyone in America, that we all despise Madeline from St Louis.

[@odelllucas]

Next caller, please.

[@lee14876]

How about live on 50,000 and get it done in a year

[@forevergogo]

Try making 50k a year and having bills over 35k a year. Live off of whatever 15k is after taxes. Food. Clothes. Netflix. Going out to eat Once a year for your birthday. 300k a year, give me a break.

[@rodrigocortes3641]

They are on the right track 👏👏

[@kevinwalter4078]

Her husband knows they're fine. She's a worry wart and probably exhausting to live with.

[@BoodaSDavis]

Karen complaining was really pissing me off 🙄. Girl keep going, you’re on a roll!!!

[@cherylhickmon8573]

Next!! Where is the person with the real debt!!?

[@joshuatree28]

Hardest is when you spouse is not on board.

[@sara7mk]

This caller needs to pay her debt, she's only been trying to make a dent for 6 month to a 1 year. Stop crying and get it done. So glad Dave and Jade called her on her mess.

[@Ldj8000]

Annoying... they can be millionaires in less than five years if they focus.. but lifestyle plays a big part of it..

[@lisaowen7617]

Why does Dave keep saying they make $300k/year?

[@Outdoorsnmotors]

Electricians make super good money, and when you own your own chiropractor business. You have the potential to make that much without much effort.

[@lisaowen7617]

@@Outdoorsnmotors Right, but they are not currently making $300k.

[@Outdoorsnmotors]

@@lisaowen7617 if they’re gazelle intense they can definitely make that much

[@lisaowen7617]

@@Outdoorsnmotors My comment is regarding their CURRENT situation. They are NOT CURRENTLY making $300k.

[@patriciamiller9317]

OMG! This woman is so dramatic and loves the attention. "Poor me, we make $300k a year and I am 31 y.o." Tell that to the lady who is 70 y.o still working and no money for retirement. Please woman!

[@XSP17]

At first i was like....are you kidding me?? Then i could hear someone in Bangladesh saying well you're complaining about 160k of debt making 53k a year.😏

[@millsykooksy4863]

$221K in student loans?! Wtf

[@singerjo5791]

I don’t think it will be hard to live on $150k a year.

[@anthonyjames4319]

You have to get out of debt to do the debt free scream.

[@arcfst]

Can someone explain the taxes here? With that income she’s making 150k a year after taxes…

[@cherylbroadenax1006]

She feels burnt out looking at the debt. And I can’t travel out of the country every month. This is taking longer than 30 days. U will be alright. Jsut keep trudging along. Getting out of debt is boring. Hang in there

[@DebtFreeDad]

Lol, she's the spender, and she wants to spend. He's no board now she's not clearly but they said she's tired of dragging him. Lol, the guy is getting blammed. Lol

[@pegzpat]

Doesn't want to give up the lifestyle for 2 yrs to pay debt. End of story.

[@daisykaren6584]

The sad thing Dave won't take my call only crying woman.

[@igot5onit423]

It's a crazy popular show keep trying 🫡

[@donnafontaine2799]

She has Nothing to complain about...don't feel least bit sorry for her.

[@lukerider479]

I’ll answer your question instead. Ready go.

[@WJMLLC]

They have time all the best to them.

[@lionheart93]

how much is net?

[@RC94332]

People suppose to be taking care of us and can’t even take care of themselves making $300k/yr. 🙄 The lady is just crying to Dave cuz she wants to go on some fabulous vacation and she is tired of actually paying her bills…

[@5thdimensionliving727]

I don’t get this call..the maths really adds up..I think this lady regrets the debt and probably doesn’t want to live a frugal lifestyle for the next 18-24 months to get to financial peace..🙏 come on lady..you can do this..i went through my own financial peace plan for 12-18 months where I paid off all my debts..I kicked Sally Mae to the kerb and ate rice and beans..last 7 years I’ve been living in financial peace and there’s no better feeling than having no mortgage and no unsecured debt at all..in fact my frugal ways i learnt through financial peace have helped me ride the storms of the current cost of living crisis🙏 its well worth the sacrifice and hard work..no better feeling that being financially free and choosing the work that you want to do 🙏🙏 and folks, there’s nothing wrong with rice and beans let me tell you..it opened up the gateway to a new flexitarian, plant based diet and intermittent fasting which helped me to lose 65lbs and hopefully live a little longer and enjoy my financial freedom 🙏🙏 way to to go Team Ramsay 🙏🙏👏👏✅✅

[@liveinms9949]

Could be done in one yyear on that income

[@Feltzm]

She's just crying because she isn't happy about adjusting to a "not spending every penny we make on fun" lifestyle the rest of her friends are probably still doing.

[@SELFWRTH]

😂😂😂they playing the wrong game keep that in mind

[@drewdelaney4166]

Some of these hopeless cases are a joke. Trying being disabled veteran unable to work living on a fixed income and in debt up to your eyeballs barely able to afford food and rent. No car and no savings through bad choices and no way to bounce back from it because unable to work to bring in more income. Live like house arrest everyday. 300k income!?? Get out of here!!

[@davinasquirrel7672]

Hard to feel sympathy with that kind of money coming in. I look at the sidebar to suggested videos, and one is "$300k in debt and only make $65k". It sounds like she has only done this seriously for the four months, realised she has to sacrifice some lifestyle. Still no sympathy with that kind of income. Get on with it woman.

[@Offgridtrucker]

This is Dave Ramsey not the dr. Phil show lol

[@edwardwilliams3216]

She doesn't seem to have much resilience.

[@daks8888]

Lol I make like 35,000 dollars and I'm barely making it. I wish I make even 100,000. They just need to sell that house and find a place with cheaper cost of living lol or something. Damn

[@joshroa9111]

She’s soft. “I know, I know” She just knows that she doesn’t want to be disciplined and do hard work 😂😂😂

[@melinated2497]

She feels like she's swallowing a watermelon when her income provides her a very sharp knife to slice it up. She got through Chiropractic school. I'm sure it was harder than this temporary debt service. She just needs to look at the knife and not the whole watermelon.

[@philuent]

this is one of the hardest ones to listen to yet. painful really to listen to this lady lol

[@amandar7719]

You’re repeatedly avoid the caller’s point at she’s just had a baby. Juggling baby/job/debt….. why refuse to address this?

[@cafecitoconjesus8750]

She just want for people to feel sorry for her with her pity party 😅 She probably is out of budget. She lives in congress😅

[@jimmymcgill6778]

Dave always thinks people can get a new job the very next day. They don't have to stop eating out, or stop going on vacation.

[@djpuplex]

I'm a nurse you can get a job in hours in most states. Not a sweet heart job. But my email inbox is 2-5 emails everyday with "jobs".

[@freedomworks3976]

Capitalists can always get jobs super quick , if not they can create jobs super quick ❤

[@Tank-vi2dv]

Jimmy McGill always thinks he's the smartest person in the KZbin chatroom. Don't listen to this dude.

[@freedomworks3976]

@@Tank-vi2dv lol 😂 thanks 🙏

[@jimmymcgill6778]

@@djpuplex No you don't. Not if you don't want the clot shot.

[@kevinmoore9524]

Madeline is not telling the truth.

[@AimeePoppinBabies]

Sally May sounds like a tenant that don't pay rent! 😅🤭

[@samueloh6874]

She has not felt real pain. She is just cry baby... Come on now. Be thankful that you can get out of this is short period of time. There are people who will have to suffer for decades before they can even take a breather. Sheesh.

[@keaten52]

Chiropractor and anti-vax. Yup sounds about right.

[@wewhoareabouttodiesaluteyo9303]

It is not the debt you have to worry about, expenses are the killer. They just keep coming unless you either die or become homeless.

[@nicolegraham1492]

31yrs old, self employed, and earning $300K… uh yeah. The smallest violin 🎻

[@jhonilocran6077]

That violin is too big

[@almaguillot8597]

😂😂😂

[@natebrome3089]

j cole once said “pride is the devil”

[@meggrotte4760]

Why is this lady calling?They've got enough money

[@someonethirsty1957]

@@natebrome3089 Yeah it was totally J. Cole who came up with that phrase.

[@DavidWilliams-vc2ms]

...I've never heard a person call in and started crying about making ENOUGH money to get out of debt 😆

[@grantpatrick3586]

Happens a lot with those of us in medical professions, we sacrifice social life, income, and years of our life going to school to hopefully be in a respected profession. Yet how the pay works is you get paid nothing or very little, and then all of a sudden you’re finished and your first paycheck is half of what you made in a year before you finished training. Very easy to get lazy with debt and inflate your lifestyle which such a huge increase in income

[@celeste7469]

Like another commenter said I think it comes from wanting to spend on luxuries, vacations, cars etc. and feeling sad because paying of the debt requires sacrifice and being responsible. Many people have a hard time with delayed gratification. The reality is that she will enjoy that income a while lot more with only a mortgage payment.

[@odessajackson4551]

Crocodile tears over making $300000 combined income!!! Crying cause she can't bankrupt student loans!!!

[@daminh9245]

Crying hungry with a loaf of bread under each arm.

[@bryanmata8319]

You mean virgina ham

[@jacquelynholt4753]

😂😂😂

[@anthonyamato6367]

Hard to feel sorry for people with that kind of an income.

[@joeaaronsen]

Especially those interested in shooting themselves in the foot.

[@michelel965]

Don’t think she wa looking for sympathy 😊

[@cuh720]

Yeah caller doesn’t know the struggle smh

[@nikolavonfulton5195]

Debt is still debt. The larger the debt the larger amount to pay off. So it can still be a lot for people

[@elcheekoful]

Gad dang. You make 300,000$. Yall can't live off of 150,000$ income. JESUS!!!!

[@David-wo9un]

She is so annoying; poor baby doesn’t want to live within their means.🤢

[@wreckers_band8825]

Yep, she doesn't like that she needs to sacrifice

[@TheSoulCrisis]

@@wreckers_band8825 Yeah, welcome to reality for her.

[@mikec.4343]

I absolutely hate calls like this

[@intrepid_rain]

me too; I'm like "really?" 🙄

[@joelfenner9179]

Did anyone else get more angry as this call went on?

[@BuckMulligan72]

@@Austenfan177 Yup. They're crybabies. They could be multimillionaires and never have to work another day in their lives in about a decade if they actually wanted it.

[@quinnterry2834]

😂😂😂

[@tomw485]

Nope not really. Why does this make you mad? She just needed a little dose of reality and a shot of adrenaline.

[@grantpatrick3586]

@@Austenfan177to be fair, she’s a chiropractor, she’s had to sacrifice her life for many years of school, she’s getting burnt out from not being able to enjoy her new high income yet cause she still needs a couple more years of sacrifice. This is not about her not being able to sacrifice, its that her finish line is further away than she thought it would be when she picked this career

[@DaveW74TVN]

Angry? No Exasperated? Yes! 250k+ income I can't feel bad for ya ;)

[@joysilas4724]

Was this call recorded on April Fools Day?!?! Complete joke 🤦🏿‍♀️

[@ericdrewyour6593]

I feel so bad for the family making 250k 😂

[@TheSoulCrisis]

xD

[@candy2325]

$80K paid off in FOUR MONTHS!? girl! She’s blessed to make a dent that fast with a spouse.

[@shroomssadow4981]

She’s mad she can’t stunt on the gram 😂😂

[@heathermcconochie2572]

I paid off $110k in student loan debt as a single person! Why is she complaining? She’s got a partner! Lord have mercy.

[@listerinr]

This lady is tripping

[@wonderz3217]

WTH is this chicks problem! Heard of sacrifice? Jeez!

[@boredoreos]

Could you imagine 300k income and no debt? Look forward to that life...

[@lakotasaunders]

Does this even exist.

[@mikenelson8377]

@@lakotasaunders it's going to with them if they're truly serious about this. $300k income and debt-free? They can do some pretty amazing things with their life. I've been debt-free since 2016 and I don't make anywhere near them and I feel like I'm stacking cash every month.

[@candy2325]

@@mikenelson8377 I can’t wait to be in that position 🎉 such a blessing

[@JustinCase780]

I don't want her crackin' my back! 😂😂

[@ScreamTatumRiley]

😂😂😂😂

[@tubenachos]

The tears are hilarious a woman cries then everybody feels pity. Man up and pay it back. Crying doesn't pay the bills.

[@russyspring]

"And be done in 24 months, somebody needs to come smack you" LMFAO Dave always keeping it real. Took the words right out of my mind.

[@dacianbonta2840]

She has to go French Revolution on her inner drama queen

[@poeticprincee9750]

Exactly lol