“I Don’t Think I Can Help You, Dude”

[@FrostFangTCG]

Keeping a house in Kentucky when your family lives in Georgia to work in Ohio is crazy to me

[@imnitguy]

See also: Double life!

[@fehyndana7725]

There’s another woman living in that house in Kentucky 😏 possibly a bunch of kids too

[@AstonM6]

Smells like.... Polygamy?

[@ashkrikorian5753]

At bare minimum side piece

[@gagewalters7051]

Well dude doesn't seem that smart to be fair

[@TheZiZaZo]

"Take a picture and put it on the wall" FACTSSSSSSSSSSSSSSSSSSSSSSSSSSSSSS

[@Randomkitten7]

😂😂😂😂😂

[@Royalewithcheesee]

😂😂😂😂😂

[@Brian-os9qj]

Dave is sharp, this caller is evasive

[@BuckMulligan72]

"Jesus didn't live there." There are a lot of Ramsey quotes, but this one is up there.

[@jeremyridge1332]

LMAOOOOO agreed😆

[@georgeslupski5987]

LOL

[@Royalewithcheesee]

😂😂

[@oh_adhi]

He has the best quotes. They randomly pop up in my head during the day and I’ll just chuckle like a mad person.

[@steelcastle5616]

There's something about the house in Kentucky the caller is not saying. Maybe that's where his other family lives and he doesn't want to kick them out.

[@focusedfreebird]

😮

[@tomahawkm4687]

Maybe Jesus is actually staying there because it's God's country

[@steelcastle5616]

@@tomahawkm4687 Jesus sent KY Rand Paul?

[@Tehui1974]

You're right, he hasn't given the entire story. I hope he hasn't been cheating.

[@w300i2]

Or maybe he doesn't want to put it in the marriage and keep it from his wife and kids as property obtained before marriage.

[@buzz4162]

I love how Dave hangs up on the guy and then continues to talk to him uninterrupted for 2 minutes.

[@roadrunner9622]

Me too. I couldn't stand one more minute listening to that evasive, scatter-brained jacka**.

[@georgeslupski5987]

LOL

[@brandonsconcertadventures2368]

He possibly might of just hit the mute button lol he sometimes does that

[@buzz4162]

@@brandonsconcertadventures2368 same difference really lol

[@JGComments]

Happens a LOT if you look closely.

[@ReloaderJoe]

I wish they had asked him who was living in the house in KY!!!

[@zachilten8064]

Hearing Dave Ramsey say, "I don't think I can help you" is like hearing your Dad say, "I'm not mad, I'm disappointed."

[@onfrobation]

😂 dead on

[@DMS1010]

I am worried about this man doing home schooling

[@crowtservo]

@@DMS1010He might have to get someone else to teach math.

[@Tunechi65]

People are so radical that they'll give their kids had education on purpose LMAO ​@@DMS1010

[@OldManAndTheSeaOfTooManyCats]

@@DMS1010Home schooling is what you do to give some facade of respectability to a hapless spouse.

[@o.p.4254]

Is there another woman living in that house in Kentucky? That could be the ‘attachment’ he was referencing during the call. He probably doesn’t want to sell it and put the woman or his possible side/bonus family on the street. I guess the wife needs to catch a flight from Georgia to Kentucky to check things out and learn more about the ‘attachment’. 🤔

[@Ceeurin]

I definitely agree with you.

[@MeaHeaR]

I got similar vibes he doesn't wanna lose the house to divorced Rapés

[@Ceeurin]

@@MeaHeaR yeah I feel he knows that the marriage isn’t going to last.

[@annette2326]

The Bible study house with a 2nd family? Ouch

[@fehyndana7725]

I really hope the wife sees this video and finds out the truth about that house, dude is definitely cheating!

[@tdgdbs1]

You don't need a $50K tractor, I maintain 120 acres with a 26hp Kubota purchased at $18K.

[@rleonekc07]

also you don't need to mow all of it lol. I knew someone with 40 acres who didn't mow it all

[@Kristinapedia]

@@rleonekc07 we had 10 acres when I was a kid and 9-1/4 was wooded/field so only 3/4 was taken care of.

[@jlebrech]

a $1k lawnmower and push it.

[@Mustang-mb7cg]

20 acres with a $2k riding mower, cattle takes care of the rest!

[@rleonekc07]

@@Kristinapedia that sounds like a dream

[@linuxsurfer2002]

"When are you going back to work?" Caller "Ummmmm..." That pretty much says it all.

[@steelcastle5616]

Who needs a stink'in job when you have a working wife making 120k per year, kids, 2 houses, and a Bible School degree? This guy sounds like he walked off a "Green Acres" episode.

[@missfavoured]

So true! Excuses upon excuses. His wife is his security.

[@notyourtypicalfarah7194]

​@OfficialBirdmando you do construction only? There isn't maintenance work available during those months or does that go to seniority?

[@books4739]

Sounds like a nice dream.@@steelcastle5616

[@franzinauen8443]

Thats a dreamer!

[@OMGITSAAAJ]

Dudes got a whole other family in Kentucky!

[@MichaelDruck]

Bingo!!!

[@Leslie83249]

😮

[@jusplay7309]

😂

[@proverbs31woman31]

Exactly!!

[@Southern.Nappiness]

😂😂

[@brandonlaviolette7281]

I can't believe people actually call in with these type of questions. Hey Dave I'm laid off and just took $100,000 a year pay cut do you think it's okay if I finance a $60,000 tractor ....... OMG dude are you serious !!!! This is sad, people spend multiple decades slaving away just to make payments on stuff they can't afford. I just can't believe people are this ignorant with finances !!!!

[@ykook7000]

Believe it!! Happens every call Whether it's a car or a tractor same chit different day That's why Ramsey's still in the finance advice business 😂

[@goforbroke2]

This is the AMERICAN Way 🇺🇸.

[@OldManAndTheSeaOfTooManyCats]

Didn’t you hear? He’s going to be a rancher on his 40 acres of what I assume is scrub brush.

[@Tigersfan829]

Everyone needs the latest and greatest. People didnt learn from 2009.

[@garykeith1048]

A classic case of you can't fix stupid!

[@Ka_Gg]

This was a very annoying call to listen to. He was acting like they were dirt poor because they only had like $25k in the bank. He said he was 4 states away from his wife but they are together now. He acted like paying off debt was such a crazy thing but then getting a huge loan on a tractor he doesnt need is fine. Then the Kentucky house came out of left field. Something is really off on this guy. Sounds like his wife is probably the one that's good with money. She made the plan to pay things down. He probably had a lot of toys. She's been spending the last yr trying to talk him into selling the KY house. She's probably completely against spending money on a fancy unnecessary tractor. Something is just off with this guy.

[@ROCKETS2965]

Feel like we're missing the bigger point here. ... This guy is so attached to a house he doesn't even live in, or live in the same state in, that he was more willing to move 4 states away from his wife and kids to pay off debt than just SELL THE DAMN HOUSE. Can't fix stupid. 🤣

[@dheins57]

Lmaoooo 🤣

[@melanieb2132]

But he lost his virginity there!

[@Tehui1974]

The real question is - who's living in that house?

[@everydy]

But the other family he created lives there

[@Subremedy]

Yet last year he made over 100k lol

[@tomconway6808]

Sell the house in Kentucky, sell the house in Georgia, buy a house in Georgia in a better school district that does not have 42 acres to manage, and go back to work.

[@RepentImmediately]

People who don't want to outsource the education of their children to the government aren't looking for a better school district.

[@OldManAndTheSeaOfTooManyCats]

You nailed it.

[@chryskramer]

All of Georgia schools are sub par. Doesn’t matter what area. Limited private schools.

[@AudreyPerry]

@@chryskramerthe county south of him is pretty good, actually. He’s in Bibb, which is terrible, but Houston is much better and not far away at all.

[@chryskramer]

@@AudreyPerrymy kids both transferred to Houston county from schools in Missouri. Georgia schools are definitely worse and behind

[@lindawilson4625]

"Too many conflicting priorities." You got that right! He's all over the map. I would be curious about his wife's opinions on all this.

[@curiouscat3384]

She's a P.A starting her career probably has no time to think thru these decisions and at least the family is together and he's home with the kid. They can live on her salary so all she needs to worry about is him blowing their money on toys because he "thinks" he's going to be a farmer.

[@OldManAndTheSeaOfTooManyCats]

My thought was his wife convinced him to call in.

[@curiouscat3384]

@@OldManAndTheSeaOfTooManyCats very possible if she's hoping an "expert" can change his mind. I'd be bonkers if my spouse wanted to spend that much money and I would look for as much evidence to persuade him as possible!

[@reliefwithoils]

Another option might be: Go back to work and pay for private school that meets with your values. Just an idea.

[@kurtrussell5228]

They don't exist anymore

[@LawrenceTimme]

All the private schools are woke AF too.

[@georgewagner7787]

Christian school

[@willmcc05]

​@@georgewagner7787 just as woke as every other school

[@rillawhat8142]

" give up some other stuff to get what you really want " 👍🏾

[@1227Masher]

He has another family in Kentucky…

[@Subremedy]

Yep the caller ain't telling us the truth

[@curiouscat3384]

"Jesus Didn't Live there!" 🤣🤣

[@jonathancazares6114]

Came looking for this comment😭😭

[@swackhammer2139]

I laughed out loud when he said that!

[@sworder24]

Hahahaha

[@radioheadfanlove]

Yes!!!! I screamed 🤣🤣🤣🤣 Dave is the BEST 😊

[@Southern.Nappiness]

😂😂😂😂

[@James_Hough]

Ever heard of used tractors? I'm in that world and you can pick your price range and you can find the tractor that fits in it.

[@damondiehl5637]

Where is the best place to get one/best way to find one? I'm looking for one to move logs, but have no experience with tractors.

[@vincentgonzales3312]

@@damondiehl5637😐…..the internet?

[@scottcurry479]

@@damondiehl5637 Most auto trader magazines have a farm implement section. Facebook Groups. Implement dealers.

[@vbelbel490]

@@vincentgonzales3312 You win the internet today!

[@CianMcsweeney]

used would probably be better too, would actually be able to repair it unlike the new stuff

[@goforbroke2]

I don’t picture this particular guy home schooling his children, he’s all over the place. Wish him the best though.

[@arthrodea]

I would have serious concerns about his ability to teach his kids.

[@mle011]

Right? Like this guy does not sound qualified to teach.

[@freedomisnotnegotiable]

60k tractor this guy is shot… I got a 10k used John Deere from Marketplace, can plow fields, have a loader, can brush hog. This dude has a problem

[@SusieGr187]

I was literally thinking that this guy is not with it enough to be teaching kids. I'm sure he is a great person but hopefully the education system can do better.

[@CianMcsweeney]

@@SusieGr187 it definitely can lol, and that's saying something, this guy is a dummy

[@Tehui1974]

"take a picture and put it on the wall" - LOL. That's good advice for that situation.

[@onebridge7231]

My dad has 150 acres and his tractor was only $30k new as of 2022. Before that he had an old beater. Guy can easily find a good tractor used for a lot less and work on it himself if it’s older.

[@daisy9910]

I think Dave hit it on the head when he called it a Gentleman's farm. This guy wants to pose as a farmer.

[@lkj0822g]

If you have acreage, you need a tractor. However, if you live in Macon GA, you don't need a cab tractor, which sounds like the tractor this guy is pricing. You can still find older tractors that will get the job done in the $5000 - $15000 range. Bonus, these older tractors are made with real metal and don't have all the DEF and other diesel emissions crap that will cost thousands of dollars WHEN, not if, it needs repair.

[@curiouscat3384]

I've watched a lot of homesteaders/farmers who are in love with their old tractors that have names like "Bessie" or "Sally", almost like it's a badge of honor to have possession of grandpa's tractor. It helps though, to have some mechanical skills to maintain it so that's a good way to get started.

[@julieosmondson5180]

This guy has found his sugar momma. I hope his wife doesn’t get tired of him. I find him annoying just over this phone call. My personal opinion is get a job! I don’t think he has passion to home school his kids. He doesn’t want to work.

[@zenlife321]

😂😂😂 I was thinking the same thing. I’d leave this guy too.

[@Ka_Gg]

I bet she had to deal with him getting expensive toys. That was probably a lot of debt. She's been trying to talk him into selling the KY house for a year now. She's probably beyond frustrated they didn't sell it a yr or 2 ago. This guy is annoying. Just think if you lived with him and had to hear all about his conflicting ideas and plans. It'd put you in the nut house.

[@fedguy9182]

But if he was the sugar daddy and she was planning to stay home that would be fine right? Double standards are fine in that situation lol.

[@karenwade6713]

I'm a RN and damn if I'd work my arse off while he's sitting at home.😂

[@fedguy9182]

@@karenwade6713 I never got the sense he was going to be sitting at home and not contributing. A guy the goes out of state temporarily to take a high end construction job to pay down that much debt is not lazy. I don’t think he called with a well thought out plan which I agree with Dave about the KY home. What set me off was the sentiment that because it is the man considering being at home vs the wife he will be doing nothing…that is a biased stereotype that society seems to leap to regarding gender roles. We obviously don’t know all the details but assuming his staying at home to home school is something they are in agreement about if they can make it work economically. Are you saying, if it made sense for your spouse stayed home and the weight of being the earner fell on your shoulders, you would not accept that responsibility? Welcome to equality as men have done that for generations.

[@SheaLeona]

Take a picture and put it on the wall!! 😂😂😂

[@treasurethetime2463]

Dave read this guy like a book. Gentleman farmer is what's he wants to be. Figures his wife's job is secure, so what the hay.

[@woodside4life]

“What the hay” I see what you did there 😂

[@aaronmurphy8796]

this is a great story about why if you dont actually suffer through paying off the debt you can end up worse off than someone who does have to really fight. This person hasnt developed almost any of the actual skills that he needs to to approach this type of situation

[@Lon1001]

what are you talking about this young guy and his wife are making all the right choices to get control of their life. He's just wresting with his mind at the moment of cheating with equipment debt and Dave gave him the reality check he needed.

[@barnabusdoyle4930]

This is a mindset thing. This guy will likely never really be on the Ramsey mindset. The reality is, most people never change without there being something major happening that causes that change. He is buying that tractor and will be back in debt in less than 5 years. People don’t change

[@jamesjazzy8040]

Any 0% loan simply means you are being overcharged for the item as the retail place is being charged extra money as they are paying for the 0% with what they call a discount. So they will add the fee into the product.

[@roadrunner9622]

And some of these "0% for XX months" have a balloon payment of ALL the past interest if you don't have it paid off in XX months.

[@norelease2]

He's unhappy in marriage/parenthood and doesn't want to let go of the Kentucky house because it represents his former life

[@anniehope8651]

And his boyfriend is living there.

[@kendrascorner]

This call was all over the place. "Crazy" to pay off his debt, getting laid off is a tragedy, but also its an "opportunity" to homeschool his kids, even though he was willing to work 4 states away, "needs" to use debt to buy a tractor, and wants to keep a house in Kentucky because he went to Bible college (and now is a construction worker), but wants to be a farmer. Lol Its just a lot. Decide what you want to be, choose a path, and go that direction. Lol

[@kbere4142]

It sounds so much worse now that you’ve summarized it.

[@mominthe209]

Yes he is all over the place. I wonder if he has been diagnosed with ADHD or bipolar. When something is interesting, you can tunnel vision and be the best employee. You can then become bored of chasing the infamous squirrel and don’t keep your job. Please don’t home school your children.

[@AbbaJoy1]

His poor wife must be frustrated. Hopefully he'll gain some focus.

[@kendrascorner]

@@AbbaJoy1 agree.

[@tkbreen1381]

If he’s homeschooling who’s gonna teach math😭

[@williamerazo3921]

Ooof. Yeah those kids are screwed

[@letstalkaboutgermany8288]

My thoughts exactly…. 😂… the self confidence of those people to think they can homeschool… as if that is soooooooo easy…..

[@Polo22546]

Ayo!!! 😂

[@deborahmaehs7604]

😂

[@billmelater6470]

Well to be honest he can't do much worse than public school. There's a lot of good homeschool programs.

[@lifestream4191]

He actually could make money on 42 acres. Wouldn’t need a tractor. Rotational grazing for cattle and Goats/sheep to keep the weeds in check. Raise chickens for food and sell eggs. If he really pinched pennies, he could make maybe $20-30k

[@KENTUCKYUSA1]

Easy to fence cattle. Goats and sheep are a horror to fence. I agree he needs to make some money from the property or sell it and move.

[@lifestream4191]

@@KENTUCKYUSA1I figure to maybe keep the goats long enough to clean up the weeds and let them run off after that. 😉

[@KENTUCKYUSA1]

@@lifestream4191 Something I have seen happen is that the goats decide to not eat the weeds and eat the hair off the cow tails instead. Not a joke!

[@lifestream4191]

@@KENTUCKYUSA1 there is nothing about goats that surprises me. I know that most regenerative farmers run sheep and away from the cattle. I love to watch time lapse videos of goats cleaning up fence rows and overgrown acreage.

[@bobcantstandzyobitz9778]

I know a guy who has 10 or 15 acres that he lets a farmer grow hay on. Idk about farming prices but he says he can get over 10k a year from the hay. Sounds excessive to me, but there are ways to use the land that can make money, regardless.

[@MistahFen]

That house in Kentucky is probably his backup plan and solely in his name, those attachments he talks about is exactly what he tells his wife when she suggests he sell it, but he’s spent the better part of 2 decades of his life making payments on it so that’s why he doesn’t want to give it up.

[@marchosch3876]

I'm wondering if he thinks he'll look cooler in the $50k/$60k tractor than he would in a cheaper/used one. Trying to impress others, maybe even impress himself. His personal "reward" for paying off all the debt. Even though this'll put him in more debt.

[@PremiumFuelOnly]

Id go another step further and say sell the other house, buy a used tractor and use the rest on paying down the acreage.

[@kiwiskiwi]

what a roller coaster of a call, house in Kentucky??

[@back_up_mike]

He’s definitely got a mistress living in the Kentucky house 😂

[@anniehope8651]

I think it's a mister. He can't openly live that way because of religious reasons and that's why he needs that house away from home.

[@back_up_mike]

@@anniehope8651 OOOOHHHH hahahaha so true

[@Polo22546]

You already know!

[@karabrodsky2852]

Haha yes probably

[@aurasphere87]

How did they pay off 240k with a 210k income last year? Minus bills and taxes it doesn't add up. He needs to worry about securing a new job instead of a 🚜.

[@jmcorp8021]

he said they emptied their savings account as well as income.

[@aurasphere87]

@@jmcorp8021 ah, makes perfect sense. It was my fault for assuming they were broke from the start. Still great progress.

[@ryansteffen-kw2ys]

He said he unloaded their savings, income and just about everything into it. I'd like to know what the "everything" is?

[@Ka_Gg]

​@@ryansteffen-kw2yshe probably had a bunch of stupid expensive toys that he never used. His wife finally got through and he sold them.

[@duck85123]

I keep hearing there is a shortage of housing but then I hear about people who own multiple houses that they don't even live in....this world gets stranger all the time

[@baysideharpy8350]

Lord help the kids if this guy homeschools them. Total chaos.

[@howlbeast]

He’s all over the place

[@queenjohnson5097]

I was just about to say I can't imagine being homeschooled by someone like this caller 😂 (I'm sure they're a nice person and cares about his daughters) but those poor girls 😭😂 They would 100 percent be better off with public schooling whether you think public school has issues or not.

[@OopThereItIs77777]

I’d rather he teaches them than the public schools. Full stop

[@Tunechi65]

​@@OopThereItIs77777yeah let's give the kids less education cause of the "libtards" 🤡 some of you folks need to detox from social media and TV. It's rotting your brain

[@General_Zod99]

homeschooling is terrible period

[@radioheadfanlove]

I literally screamed when he said. “Jesus didn’t live there” 😭😭😭 I LOVE DAVE so much 🤣❤

[@UncleBen-h2y]

Unfortunately, this guy is a normal American. He’s all over the map with a bunch of ideas and therefore, he has NO PLAN!

[@raybans8712]

Paying off 220k last year was a good plan

[@jeremylewis5154]

Didn't know paying off 240k in a year was normal american

[@rillawhat8142]

👍🏾

[@LittleMopeHead]

^He was weird until after he paid off $220k. Then he was normal.

[@ryanc2927]

And we’re all slightly dumber listening to it … a vision without a action is a hallucination. What kind of person has two homes and calls into a show about $ to ask if he can buy a 60k tractor for one of his homes? ….assuming he actually has all this $ what the hell ?! Something isn’t adding up and I think it’s the story that Keeps unraveling in a methodical fashion… yup this was a waste to listen to no doubt

[@varthelm]

more to this story he's not saying. He said he paid off the house in KY and its worth $200-220k. Then later he says he's got $130k in equity in it. The guy is a dreamer and at least partially full of crap.

[@lxc3909]

I suspect he meant that it is now worth $130k more than he paid for it. Perhaps he is reluctant to sell it because he hopes it will continue to appreciate in value at a high rate.

[@fichterfactor]

This was like a soap opera...As the World Turns! Like many callers, he was trying to validate his decisions. Why bother calling if you're not going to take his advice? It was comical to see Dave and George's reactions when the caller added new elements throughout the call. "My wife lives four states away... Well, my house in KY...I have an attachment to the house." Yeah, it's called a deed. Sell it!

[@etiennedegaulle3817]

Cletus wants his tractor, Dave.

[@strangerdanger8462]

Yup. Boys want their toys. 😂

[@ezequielrojas2828]

Dude has too many conflicting priorities. Mr. 🐏’y as always spot on.

[@amyhitchner-allison5752]

Take a picture and put it on the wall 😂😂😂 you guys are great!

[@coderider3022]

Yeah , very good advice. What he needs to hear. Hope the wife hears too !

[@mofarmmomoney3009]

When you are counting the half acre on your 42 1/2 acre farm, your land is too small to make a living or replace a city job.

[@TheSecondWitness]

Dave: “The call was an accordion” nearly gave me a side pain from the laughter 😂 Dave you are the BEST! I’m listening to you and trying to follow your plan, and I love it! Thank you my friend.

[@marziamartignoni5585]

I am nowhere familiar with farming myself...but I do work in a rural store, a big box retailer chain that sells farming equipment and other stuff as well...I get farmers coming outside of town at 7 am after being in the fields, driving an hour and buying feeds for cattle and such . Homeschooling is impossible for this guy. Just sell both houses, and move to a better school district.

[@mominthe209]

That’s the most sensible thing I’ve read.

[@RepentImmediately]

Homeschooling requires 875 hours of education per year. That's less than 2.5 hours per day if he homeschools year round. A farmer's workday can vary significantly depending on the time of year. And although he will have to get up early, it doesn't mean that he's working a 12 hour day everyday, especially considering farmers' children tend to help work the farm when they are old enough to do chores. His wife will probably be home at least a couple days every week week as well. They can knock out a lot of the schooling hours on her days off.

[@Playingwithproxies]

Yeah they came to get feed at 7 am cause they have actually jobs that they do during the day most likely farming 42 acres is a part time job maybe 😂

[@Bbfishman]

why not parcel off a segment of property and sell it to pay for the amount you need for a tractor?

[@scroogemcduckismyspiritanimal]

Because he owns a whole other property in a different state. Start there

[@Bbfishman]

@@scroogemcduckismyspiritanimal well hes apparently too emotionally attached to that one based on the call we just listened to

[@rleonekc07]

or lease it off to a farmer. Someone I knew had 40 acres and let someone farm 20 of it for a monthly fee

[@RightAmerica_]

I could easily see myself become this guy😂 I am all over the place and am very sentimentalI and I totally get his position. He’s not that crazy, just needs to organize his life.

[@LittleMopeHead]

I am curious why he was so attached to the house. He doesn't have to tell, but I think that would have been a good story.

[@Aaron-nw7qx]

@@LittleMopeHead Its where he first discovered the poop hole loop hole

[@revondamehovic3132]

So many of these calls come down to a battle between sentiment and logic

[@Smsrules1]

They don't trust the public school system but we as viewers/society are hopeful that these kids are going to turn out just fine with their homeschooling/parental abilities... best of luck to us all

[@OldManAndTheSeaOfTooManyCats]

Nah. They’re screwed. Dad will teach them to be just like himself.

[@kindredkey]

One word for this gentleman: Chaotic. Life shouldn't be a pivot. Sometimes you have to pivot when your PLAN doesn't unfold as expected but this man is all over the place. Should have asked him what his ideal scenario is and weeded through all the variables from their. I would wager he most likely wouldn't be able to answer that given his scattered-ness. I might also suggest they chill for a month or two, exhale, let all the adrenaline from the debt payoff run its course and then come up with the next step.

[@MrBertstare]

You can buy a lot of rental time or paying someone with a tractor with 50k

[@hotdogs5265]

"I wan't to buy a tractor and I just got laid off"

[@3dservicesllc]

0% for 60 is probably a Kubota. Those hold value really well. Buy a tractor but look at the smaller B series TLB. I had one and it was a solid machine. You can rent a bigger machine for one-off projects. You own houses and property. Dont doubt yourself. Every big investment is scary but have any of your past big decisions been a disaster. It doesnt sound like it.

[@chuckhorus3228]

"42 acres isn't a big spread" 😂😂😂

[@500dollarjapanesetoaster8]

Not for cattle, or for someone who doesn't necessarily know what he's doing in farming. You'd have to have quite a few head to make up the costs. Unless he knows how to rotate animals thru areas and get regenerative grazing working, he'll be spending a ton on feed and hay. He could find an appropriate private school for the kids. Him losing that much income is nuts. If he's being a farmer (which isn't necessarily big bucks either) that is a constant job, so he won't be able to put in the hours keeping the kids current with their lessons. The house in KY isn't spinning any income. He can either sell it or rent it out using a property manager, depending on how the numbers look.

[@IntegratedAngela]

That was my first thought! I grew up on 40 and my in-laws farm beef and crops. 40 is nothing compared to someone who is really farming to make a living.

[@brandonhale6371]

It's not we accidentally have that much

[@annai157]

They need to have a serious family conference about what their real values are. One year, dad doesn't live in the same state as his kids, so they can get out of debt. The next year, he plans to be with them 24/7, while his wife is the sole wage earner. One year he's in Bible college, the next he's working construction. They need to answer a few questions 1) why is it best for dad to stay home instead of mom? 2) what good does the Kentucky house do for the *family*? 3) if there's such a strong sentimental feeling about Bible college, is construction truly the best path now?

[@andrewbradley3305]

That’s where his second family lives

[@CarnivoreStork]

You can do remodel construction right in Macon Ga. it pays very well.

[@ttr8141]

Get a construction job in Georgia near your wife/kids, rent out the KY home if you genuinely want to keep it, save up for a used gently used tractor.

[@billbob4856]

Dude, go be an HVAC Tech. People always want to be hot and cold. Not that it’s my place, but my personal opinion is there are social aspects you absolutely cannot learn from homeschooling. I’m not talking about how to “act conservative” or how to “act liberal”. I’m just saying there are some things in life you should learn on the playground; Homeschooling severely limits that.

[@wewhoareabouttodiesaluteyo9303]

People want to be bipolar?

[@nickalton]

This guy is lying about something.

[@jameswhite8365]

This was a fun episode. Sounded like a great guy, honestly!

[@johnsyler8580]

Get rid of the 42 acres. You cant make money off cattle on that small of property.

[@roadrunner9622]

"Why don't you want to sell the house in Kentucky?" "Ummm..... I have an, 'attachment'." 🤔

[@grayandgray]

I can't believe people still fall for "0%" on vehicle deals. The interest is built into the price, guaranteed. A cash negotiation can always be a lower price.

[@jimmymcgill6778]

No it's not.

[@damondiehl5637]

Everything I've watched on KZbin says not to tell them it's a cash deal.

[@grayandgray]

@@damondiehl5637 yes because dealerships want the financing commissions. Get a price then bring up cash deal. I bought a used vehicle and the finance department still wanted me to finance for a few months, THEN pay it off so they could get their financing fee from the lender.

[@grayandgray]

@@jimmymcgill6778 Like I said, I can't believe people fall for it.

[@raiden031]

​@@damondiehl5637I don't think it helps to withhold information. My experience has been they will not negotiate a final out the door price without knowing all the details such as trade in and financing. If you were to bait and switch them by throwing out that it's a cash deal at the last possible moment, they are going to come back and say they can't give you whatever discounts they offered unless you finance with them. They will probably ask the question directly anyways. I tried negotiating with a dealer and I wouldn't accept their price discount, so they said how about 0% financing instead. But it was clear both could not both be achieved. I ended up walking because the only reason I walked in the door was an online ad for a price that didn't really exist. I was mad and wasted probably 90 mins of their time.

[@a.c.7069]

Kudos to this caller and his wife for paying down so much debt. They are making the right decision to homeschool.

[@ryanl3812]

Wow I thought this guy was about to say 420 acres, not 42 lol

[@djc1013]

Exactly. And running cattle on 42 acres sure isn’t gonna get you too far. Assuming you keep them exclusively grass fed, you’re probably gonna have 10 head, maybe. At that point it’s a hobby, not a living.

[@fe7260]

I'm not sure how things work in the US, but in the UK landowners like this may decide to use some of the land for commercial purposes like holiday lets, or a campsite... and make a monthly income that way. As the MAN of the house, I think he should only stop working to homeschool his children after much prayer. He really should try to be making an income. He should be trying to BUILD his career at this stage in his life and find other options to boost his income. He can pray about it and ask God to lead him.

[@ykook7000]

Yawn 🥱

[@RepentImmediately]

He went to Bible school.... what type of money is he supposed to be pulling in?

[@fe7260]

@@RepentImmediately I thought there were many people in the US who did not go to college at all... surely, there are possibilities. As someone who has worked in construction he has got an excellent primary/core skillset to work with. I live in Europe. There are many immigrants here from Eastern Europe who have construction expertise. They are largely self-employed across the construction industry, many will be making upwards of £120k a year... (at least). He can consider possibly multiple income streams. Maybe he can't get one extremely well paid job, but he can maybe try and make a few smaller things work well. I just think as a man if he was to make this choice now because it was the most convenient, he may ultimately regret it. Hence, my suggestion that he prays and seeks direction. I think when a woman becomes a primary breadwinner, it disturbs the familial and relational dynamic. However, it's not always the case. My experience has been that it isn't the best idea in upwards of 95% of scenarios. His situation however, could be one of those exceptions. Either way I pray for a blessed outcome for himself and his family. They have so many awesome things going for them! 🙏

[@mhodge0890]

Idk how men can be okay saying that they can be a stay at home Dad. I just don’t get it

[@Galworld761]

Not every woman wants to be a Stay At home Parents. Done right, it is a REALLY hard job with a 24/7 shift and an unbearable mental load. My company gives men parental leave and they BREAK UP the 8 weeks b/c it is never ending. Since, I know I would not be a good SAHP - I admire men who would take the challenge.

[@RepentImmediately]

It's not for you to get.

[@CianMcsweeney]

nah there's nothing wrong with it, not for everyone of course, same way being a stay at home mom isn't for every woman either. Issue with this caller is that it's clear he's using it as an excuse, he never really wanted to be stay at home at all, he just wants to shirk his other responsibilities

[@hollyb6885]

That guy confused me. His wife was 4 states away but they are both in Georgia. His house in Kentucky was paid off but he still owed $130,000 on it. Jeez.

[@loum.2864]

Exactly! I picked up on that as well. It sounds like he has 2 women. One on Georgia and one in Kentucky and refers to both of them as his wife. Total confusion.

[@ryansteffen-kw2ys]

So when he says we unloaded 240k in debt, where did that money come from? Did they sell assets, or cash out all of their retirement accounts? I wish that would be asked more often, as I have a bad feeling they cashed out retirement accounts.

[@silverstar4289]

Listen to his decision on using “I “ and “we”

[@Takar100]

He thinks the house is an investment, and thinks he's getting ahead because he has it. I agree with Dave though...why not sell it and pay off the other house and get the tractor. Then you'd be able to stay at home teach the kids. Your wife makes $120K and that would seem like enough to live off of with 42 acres and a paid off house. This is why they have baby steps. So you can focus on one thing at a time and not get sidetracked.

[@gsquared2394]

Because his other family is living in the KY house

[@Jalen373]

What was the cash flow of the house? What was the home in proximity to? These are valuable questions. Cause if he was going to school and the home was near the college, that home is worth a lot more than just the equity he has today.

[@thomasfranco5997]

Is he renting the house in Kentucky. I can see if he does not want to sell it if he is getting extra income from the house. But if he isn't rent, it out and get extra income. When I retired, I was planning to sell my condo and I was told by my father why! it is extra income. That was 3 years ago and now they are selling for $450,000. Three years ago, it was worth $300,000 and bought it in 1992 for $110,000. I will not sell it until it is paid off. I have a teacher renting it out, but he was laid off after 30 years with the school district. I lowered the rent $300.00 less only because he has been there 10 years and always paid the full amount which was $1800.00 on time. I personally think Teachers are the best at what they do for our FUTURE. Amen!

[@FTYC2022]

It's not paid off yet?

[@Ka_Gg]

You have a 50 yr mortgage? Lol.

[@thomasfranco5997]

@@Ka_GgYes! I do but the house I live in now is paid off that I bought brand new for $179,000 in 1984 and now it is worth 1.2 million, So, when the Super Bowl is on each year, People come to my house and watch it on my Big Screen TV and Parteeeeeee...

[@thomasfranco5997]

@@FTYC2022Yes! But I have property in California, I have money in the stock market also, that I had for 24 years now. All Diversified, Your better off in Real Estate and the stock market, Thats for sure.

[@FTYC2022]

@@thomasfranco5997 I'm just curious as to why you still have a mortgage on a $100,000 house you purchased in 1992?

[@AstonM6]

Here I am in Texas, watching my taxes go up, people are moving here making everything more expensive. Hurricanes come here. I'm trying to retire, and thinking about a little house in KY. I can't be the only one. You have buyers.

[@justiceonthebeat]

6:43 "who cares... Jesus didn't live there" 😂😂

[@pm2886]

Dude just wants the shiny tractor.

[@bluesfan6862]

What’s the point of calling a random guy on the radio/internet if your not gonna be honest in the 1st place? Either he is not smart or lying or both!

[@craigfulton2586]

This Einstein. "We want to home school our kids because we don't like schools." I feel for the kids.

[@josephmartinez3851]

Bro that random house is standing between you and your kids...

[@carloscruz7317]

Paused at $50k tractor I bought one used for $6k cash put $2k into it and 3 years later it’s still running. Not the creature comforts but it’s paid for!

[@bettysmith4527]

He is laid off from work and thinks it might be a good idea to buy a 60K tractor?!

[@steelcastle5616]

His wife makes 120k a year so she won't mind paying for it.

[@taylorkurtz9749]

I’m a big fan of homeschooling. We’ve homeschooled our kids from the beginning. It’s not easy but worth living on one income. Although I highly recommend it be the mother for multiple reasons. I thought Dave was too hard on this poor guy. These are not easy decisions. And the kids should definitely come before money.

[@markmurrell1894]

Jacob lives in a town about 50 miles from me lol

[@scotthix2926]

Come up to Greenville SC. We have plenty of construction.

[@tubenachos]

"Ummm..." after every answer yeah this dude is screwed 😂😂😂 and his wife already lost respect for him

[@semosancus5506]

Wait until he is a stay at home Dad.

[@daretodream...898]

Caller: Heavenly Father blessed us with a house when we needed it. 30+ years later, I was emotionally attached to this house (family home) but knew I needed to sell it. (No longer lived there) It needed a new roof and major plumbing work. Then H.F. gifted me with a cash buyer. I sold it. Don't let an emotional attachment keep you from making a logical decision. ❤️

[@LearnAsYouGo.]

Dave is funny! 😂

[@1whical]

I love when people call in asking if it's ok to finance something... 😂

[@saladboy1465]

Divorce inbound

[@marcusagrippa8078]

Dude said he bought the KY house online while going to Bible college. But does construction in OH living in GA. But needs a brand new tractor to homeschool his girls. I think the girls will be better off in public school. I wish this whole episode was them just asking this guy questions.

[@junkfoodvegan]

He can’t sell his second house in Kentucky because his second family lives there…

[@billsmith360]

.... The house in Kentucky is his security.... He got it before he got married and in the event of a divorce witch is NOT uncommon and the court takes everything he has the house in Kentucky can NOT be attached and he still has a place to live ... He's a forward thinker I don't blame him