I’ve Dug Myself a Hole and Don’t Know How To Get Out

[@Britty0189]

Dave is the Judge Judy of finance

[@kendrapratt2098]

That never occurred to me but you’re right! I enjoy her, too

[@kathrinefer7301]

😂

[@ToOpen6seven]

Yesssss! 😂

[@lukehailey8250]

😂 true 😊

[@nicolelee1218]

Absolutely 😂

[@floresnashvilledrummer]

Dave got his 80's rapper pimp jacket on and ready to hurt some feelings out on these streets. Get 'em, Dave!

[@justinebailey5333]

😂😂😂😂😂😂😂

[@ginjobique]

lol

[@lalacoqui3729]

Omg, I'm dyingggggg 😂😂😂

[@Aminah6623]

[@seannunemaker5492]

Slavic tracksuit Dave shows no mercy!

[@untouchable360x]

If they made $2 million a year. They would be millions in debt. Nothing would change.

[@enricopallazzo3244]

100%

[@tristan2332]

Yup...most have not an income issue they just are freaking idiots.

[@LetsGo6009]

Exactly. This is a character issue, not a math issue.

[@TheRealYungZulu]

Well yeah cuz they'd have to throw $3 million a year into cars and woodworking so they can make $10 million 😅

[@pep590]

I agree!

[@GAFB1122]

$200K is a strong income with no minor children in the home. If you can't figure out how to live on $200K, you got bigger problems than just the dollar and cents!

[@bluejedi723]

I own my own house and live quite well off of $45k a year. I don't know what the hell I'd do if I made 200K a year. My 401 K is 50K, my ira roth is at 30K (both growing)

[@johnnymichael1804]

​@@bluejedi723atta FUCKIN BOY! Grab em by the P! 👏🏼👏🏼👏🏼

[@MarkYeung1]

Great point

[@Mr.Boring_Man]

Exactly!

[@89playstation65]

Another question is....what state do you live in? Cause one state has higher taxes than others. Cough cough New York state. Sigh....is where i live. Taxes are outrageous.

[@MichaelSBowen]

It’s hard to have sympathy on people who make $200,000 a year and can’t get out of debt 😮

[@sharktoof1]

Absolutely! $200,000 a year would be a dream come true for most anybody. I know it would for me. An income like that would change my life. Zero self discipline, no grit and determination, just coasting through life lost. I hope people like this get it together, cause they have everything they need to be successful.

[@jeanmccallum5034]

Agreed. Even before I found Dave, I was never that dumb. Spendthrifts!

[@RedsRtrouble]

People don’t want to sacrifice and don’t want to be told they are not making smart career choices… therefore they stay in debt 😔

[@gigiwoodlawn2142]

Expenses rise to meet income.

[@MikeNapoli1989]

Suddenly my situation is okay.

[@jaysonmoseley6569]

😂😂me2

[@justinebailey5333]

Man!!!!!!!😂😂😂😂😂

[@Westcoastguy]

I listen to these shows sometimes to make me feel better about my situation haha.

[@celebrationcruisetrip5735]

​@@Westcoastguy😂😂🤭🤭🤭🤭

[@Keeks492]

@@celebrationcruisetrip5735that’s what l’m thinking. I am not complaining anymore.

[@coolaunt516]

Dave always cuts to the chase. It's his superpower.

[@DEE-o4v]

"Debt-Spidersense's" tingling....

[@DrSchor]

dave just sends people to financial peace university. standard answer and standard plug for his business.

[@RJ-cv2uw]

Definitely adding this one to my "watch when you're having a shit day" Playlist

[@fire12731]

lol yes

[@justinebailey5333]

Right

[@aching4382]

🤣 YESSSS, THIS!! 🤣

[@uptownjec]

💀💀💀

[@UaG2423]

Bro ima make a Playlist called that W

[@BrianW211]

Jack is $140K in debt and he started a woodworking business not to get out of debt but "to fund an early retirement." He's on his second marriage and kids are out of high school, so he's probably in his early 50s, so at most he's got around 10 years remaining to actually retire early. The woodworking business loses money, but Jack keeps pouring money into it. The woodworking business loses money, but Jack puts more time into it than a full-time job. Jack has debt on the trailer used for the business and it's likely that _a_ _lot_ of Jack's money is going into buying woodworking equipment. Dave said it at 7:50. Jack has an expensive hobby that he wishes was a business. Jack, you're hiding from real life in your wood shop.

[@JessicaLovely1]

He hiding from reality and And the marriage!

[@BrianW211]

@@JessicaLovely1 I thought the same thing, at first, but he said that they go to the craft shows together and he implied that his wife works with him in the woodshop.

[@jeanettealfred3054]

Jack borrows money to from his retirement to fund an early retirement🤔🤔

[@TonyCox1351]

I think the woodworking is a way for him to avoid the reality of his spending habits. If he spends 8 hours woodworking he doesn’t have to face the fact that he’s living above his means. He even says that he and his wife made a budget and “something comes up” meaning his budget was spending all of their $200K income and not leaving any extra

[@CarnivoreStork]

Jack and his wife spent how much on their HUGE 2nd wedding? Very unnecessary and immature.

[@MisterNightfish]

He is one of those people that are just hardwired to live on 150% of what they make. It doesn't matter how much money comes in, he will always want to spend more than that. Until he can fix that, there is no hope.

[@drn13355]

Yep. They could triple his salary he would still be totally broke.

[@Avenlane]

Spend more than you earn, that's the American way.

[@ecclairmayo4153]

Also hardwired to probably start a lot of "businesses " and nothing really pans out

[@teresah.6696]

Exactly....my niece makes good money but she over spends on crap. But you try to talk to her about she just doesn't get it.

[@dc5330]

My credit cards recently came back and needed a place to crash for a few weeks. They eat my food and blast music till 2am. It really sucks

[@christinehopping5040]

I live on a clerk salary in California and it's enough. It blows my mind when I hear people making $200K struggling. Moments like this makes me happy that I am single.

[@joeishere500]

:: she be the bleeding rock

[@jambreakfast4341]

People don’t understand the difference between a NEED and a WANT.

[@BaconMountainMan]

"The credit cards are coming back" as if the credit cards are aliens or something.

[@kendrapratt2098]

🤣🤣🤣🤣🤣🤣

[@ShutterSpeedGaming]

😂😂😂😂🎉

[@jreinel1966]

I don't understand why people call looking for a miracle solution..spend less,that's the real solution,spend less...!

[@dr_pinna543]

I am reminded each day we come in all sorts of shapes, sizes and IQs lol.

[@TonyCox1351]

Homie is $100K in consumer debt, taking loans from his 401K, trying to “retire early”

[@markg999]

Exactly...this isn't rocket science but seems to be for many.

[@mbank3832]

well, you can't be an American without doing something financially stupid

[@marvsiceslice]

It's the same with excersize/ weight. People will do everything to avoid eating less and moving more.

[@Petroguest-i4g]

So what's the most effective strategy during this period of volatility with the rate cut? Most of my portfolio is in (20% Index funds, 20% CD's 30% Bonds/T-bills and other assets) I want to explore different strategies to benefit from a potential bubble.

[@2024Red-j5t]

This is the exact thought process of persons handling their portfolio themselves. I will advice you engage guidance to help you make smarter portfolio decisions.

[@wealthychronicle-i1u]

Since risk is at an all-time high right now, perhaps you should be a little more patient and return when it has decreased.

[@LeepinLeopard]

I've been through the 'bonds are beating stocks' periods since the 90s with no bonds and with all aggressive stock mutual funds. At 66, my IRA and cash accounts are far more than I expected for my retirement. I can easily handle a worst-case 80% stock crash, Thanks to my CFA.

[@Resmith18S]

Mind if I look up your advisr please? I've worked in real estate for over 15 years and have neglected a major stock portfolio. This served me well when I was flipping and renting houses, however I need a different plan now

[@LeepinLeopard]

Sure you can! Melissa Elise Robinson is the NY-based advisor I work with. Just search the name. You’d find necessary details to work with to set up an appointment.

[@theburnetts]

This call is a perfect example of why Dave is SOOO much better to have on these calls than the other Ramsey personalities. The years and years and years of experience that Dave has lets him zero in on the real issues that the caller has. Jade just seems like she is reading from the Ramsey playbook on what to tell a caller. Too often Jade listens to 30 seconds of a caller and immediately declares "well that right there is your problem" and then ignores anything else the caller has to say. Dave has a real knack for working through the caller's nonsense and uncovering the real issue.

[@TonyCox1351]

100% agree. Callers like this have deep seeded psychological problems. Jade is worried about where he keeps his credit cards, meanwhile this guys entire worldview needs a seismic shift

[@_Y.Not_]

@@TonyCox1351 Exactly!

[@Fishouta]

Also, caller said 401k loan repeatedly and Jade called it a HELOC twice. Doesn't she listen?

[@SlayerLvL99]

Give Jade some time. She has gotten out of her own mess like a champion. She can help people.

[@wittenberg5]

True, but imagine if you had to do your on the job training next to your highly demanding and rigid boss live on air with millions of people. Let's give her some grace.

[@rn2811]

If I was making 200K a year I’d be living like a king.

[@juanleonardo3359]

I propose that if Dave Ramsey is on air, please remove all the sidekicks. Like they don’t need to be there when Dave is present 😂

[@jeffkline9191]

Agree. So much better by himself.

[@greggpurviance7252]

Yah, the point is they are supposed to be learning. If they have an expertise pertaining to the call, it usually works better. (all of them do have diffrent ones) but in stuff like this late boomer with 3 car loans & a trailer to haul his stuff to craft shows, who can't figure out how to live on 200,000 a year & basically blames his wife, Dave is a master

[@inthebooks3947]

He cut her tf off lol

[@matthewc9806]

Idk I enjoy them especially the shrink

[@mbank3832]

Agreed. They are so darn redundant to keep around, like they are some kinda pet

[@kendrapratt2098]

A big wedding and it wasn’t their first? Hmm. ‘The credit cards are coming back.’ Sneaky little monsters, huh?

[@raymond_sycamore]

simp

[@kendrapratt2098]

@@raymond_sycamoreI wonder if she thought she was getting someone who could pay all this for her 😆 And he’s already tired of working himself to death

[@ΤάσοςΚαυσοκαλυβίτης]

> A big wedding and it wasn’t their first? The dude sounds like a dunce by pouring insane time and money on a losing money side-hustle hobby. No wonder he got finessed by a woman that actually managed to LOSE money in her divorce case AND convince the next ignorant husband that "it was not her fault, let's have a HUUUuuuge marriage". She was lucky to find such a sucker. Very lucky.

[@PInk77W1]

But we only spent $1500 at restaurants last month

[@greggpurviance7252]

The cc were hiding

[@warwagon]

Working 8 hours a night and losing 10,000 a year on it. Well that's an easy answer.

[@rd24life]

Right, he could just bag groceries and be much farther ahead

[@deirdrekiely6187]

Losing, not loosing

[@amireallythatgrumpy6508]

Yes. The answer is "learn the difference between "lose" and "loose".

[@BREEZYM6015]

Keep grinding? 😂

[@TonyCox1351]

The business he started to “fund an early retirement” 😅

[@jeanniesabol5410]

They are so right about so many things. Get organized, sell stuff, live in less than you make, and work together. This is so doable, but ONLY WITH EFFORT.

[@davidbrayshaw3529]

It's not rocket surgery, is it.

[@ecclairmayo4153]

He doesn't want to do the work

[@Iworkwithnitwits]

They both have to be on the same page or it will be like swimming upstream without a life jacket.

[@elizabethallen4353]

My sense: they had a great time dating, keeping their finances separate, each being disorganized and making bad decisions. Then they combined and had to get serious, and it's a real relationship shakeup. It was more fun to date and each go on their merry debt filled ways.

[@oldtomplatz8862]

So glad I found Dave Ramsey. My dad tried teaching me his ways many years ago and I ignored it (like an idiot) but sometimes it takes hearing it from someone else. Debt will be paid off in the next two months and cash flowing grad school. Then it will be grinding hard for 2-3 years for a down payment on my first house. It’s never too late to turn things around even at 33 years old.

[@Iworkwithnitwits]

With a thirty-year mortgage, you will have it paid off in your early sixties. High Five.

[@elianah8803]

“The credit cards are coming back” like they have legs and are charging themselves…smh…these two didn’t talk about finances before they got married even though they’d been together for 6 years. They probably spent that entire time talking about how awful their exes were. They finally got married and the wife thought she’d hit pay dirt with hubby #2. Financial ghosts came back to haunt her, he doesn’t want to make waves (heaven forbid a second divorce) and avoids the entire topic by spending the evening in the woodshop. She gets mad/nervous/worried (heaven forbid a second divorce)and spends the evening shopping on the internet. On the weekend they rally, kiss and make up and tell themselves it will all work out. After the craft show, they go out and celebrate with a fancy dinner (charged on the credit card) then wake up on Monday to an even bigger nightmare. You don’t have to live like that. TALK to each other.

[@Iworkwithnitwits]

It is called two steps forward and three steps back.

[@davidwade2735]

Ed Zachery

[@TeddyAlexanderv6]

Investments are the roots of financial security; the deeper they grow, the stronger your future will be."

[@GraceOliviaf7y]

The deeper your investment roots, the stronger your financial security will be in the future.

[@NikolasMartine01]

Exactly! With my adviser, I’ve cultivated deep investment roots, strengthening my financial security for the future.

[@AgnesHarperq3x]

I would love an introduction to an adviser who can help me strengthen my financial roots.

[@NikolasMartine01]

My CFA NICOLE ANASTASIA PLUMLEE a renowned figure in her line of work. I recommend researching her credentials further.

[@AgnesHarperq3x]

Thank you for this amazing tip. I just looked the name up and wrote her.

[@poolmilethirty2859]

Living beyond their means with debt from a previous marriage.

[@kensmart1976]

Mistake made 2 years ago. Getting married. Started out of control spending. Calls his hobby a business. But plenty of income to dig out of their debt.

[@JBCookies8885]

I find it hilarious that people get offended when he says their side business is a hobby. If you don't make money, it isn't a business! He would be better off watching TV. He would save $10k per year. Just imagine if he were to get a part time job in the side. Wow!

[@greggpurviance7252]

The IRS says it is a hobby if you lose money for I think 5 years. Then no deductions for you

[@JBCookies8885]

@@greggpurviance7252 oh, I didn't know that! I wonder how many years he has lost money.

[@johnanderson8385]

The biggest issue is that they aren’t on the same page. It doesn’t matter if one person wants out of debt if the other won’t cooperate. Jade is serving as usual.

[@zachpierce641]

$4000 Verizon collection notice they didn’t know it was coming? It takes a lot to run up a $4000 bill at Verizon. How do you not pay it and not think it’s going to get sent to collections?

[@drn13355]

Anyone else able to follow this guy because I can't. He makes 200 grand a year. He is flat broke. He blames it on a 4,000 old bill his wife owes And he is "funding an early retirement with a woodworking business that loses 10K a year"? Step 1. Stop the woodworking business. Keep the 10 grand a year. I just made this guy an extra 10K a year.

[@Excalibur2]

Instructions unclear, closed woodworking business and replaced it with an even MORE expensive hobby.

[@danielfurr7356]

And sell the trailer he uses for it.

[@megalodon1726]

He's living in another reality. He talks like those old bills just came out of nowhere even though they were known before he got married. And he's talking about early retirement when he doesn't have the assets and discipline to retire late.

[@Blacknight-1111]

Viva USA... and Dave!

[@TonyCox1351]

@@megalodon1726yeah he literally says that the time share bill was part of a divorce decree, so she didn’t just “know” about it, it was a legal directive that she paid it. This couple is doomed

[@kristia627]

Dave needs to stop interrupting Jade and allow her to talk. Show a little respect to your cohost because she’s awesome and makes valid points. I’m normally not critical of Dave but I’ve seen him do this before to her.

[@Secede]

Yep, he disrespected her and I saw a reaction from Jade.

[@BirdDogey1]

I consulted with small businesses. Can't tell you how many small businesses have turned what should be a hobby into a huge financial liability.

[@Matt-e4x]

This guy has more excuses than my golf game…

[@huskiefan06]

Who in the world needs two car loans and a trailer loan? Seems like an easy decision to sell all of those. How is this difficult?

[@poolmilethirty2859]

He said he's funding his daughter's car. I wonder how old she is and whether it's a necessity or a want.

[@katieandkevinsears7724]

​@@poolmilethirty2859a necessity is four wheels and an engine. Anything extra is just more money wasted.

[@huskiefan06]

@@poolmilethirty2859 Why would anyone take a loan out on a vehicle, much less for their kid?

[@aschulte7502]

@@poolmilethirty2859 that's a third loan....

[@greggpurviance7252]

Probably just graduated but he couldn't afford it

[@symlexbrn5396]

"You've got two stinking cars" 😂😂😂😂😂 l love the Ramsey show

[@mariarooney6262]

Dave knows exactly what’s going on in peoples lives and knows how to fix it, if they’ll listen and do it.❤️

[@lauren4078]

I do feel bad for this man. He's very scared. Everything is going to be OK, Jack. It will be hard, but you'll get through this. Praying for you.

[@lovenature7823]

Jade, great to see you, haven't seen you in a while! Dave and Jade, one of the best teams.

[@Kaktus965]

Not really….

[@ShutterSpeedGaming]

@@Kaktus965yes really you hater.

[@Kaktus965]

@@ShutterSpeedGaming Not everyone who disagrees with you is a hater. That's not how the world works. Grow up.

[@jimmymcgill6778]

How can you have 220k in Ohio, and be in debt?

[@alanj9978]

Two wives, 3 vehicles, and an inability to say no.

[@fireengine77]

Another, “I make 200k a year and can’t pay my bills” call… 🙄🙄🙄🙄🙄🤮

[@itsdavidlo]

I doubt you make 200,000 nickels in a year.

[@fireengine77]

@@itsdavidlo Looks like you felt called out🤣🤣🤣I’m debt free and you’re swimming in debt because you suck with money

[@fireengine77]

@@itsdavidlo It must really suck to be you

[@justinebailey5333]

Crazy

[@JakeStewart1343]

​@@fireengine77 How big is your shovel? 🤔

[@jeffpadilla9891]

1. Cut up and cancel all credit cards. 2. Stop buying on credit 3. See if you can get a loan from your bank for all the debt. 4. If you can’t get a loan pay on the highest interest first.

[@DeclanOKaneMD]

Those who have massive debt always think they deserve early retirement I am in my shop 8 hrs every night to 9 pm. So you work to 1 pm.

[@Christine-wp2bw]

Trump's policies had been viewed by many experts as more positive for the financials sector, spurring this massive rally. It's enticing to consider purchasing some stocks, I'm contemplating investing more than $300k. Thoughts?

[@SaintYvess]

It seems like there's potential, but caution is warranted. hence I will advice you get yourself a financial advisor that can provide you with entry and exit points

[@WestonScally7614]

I've been in touch with a financial analyst ever since I started investing. Knowing today's culture The challenge is knowing when to purchase or sell when investing in stocks, which is pretty simple. On my portfolio, which has grown over 90% in a little over a year, my advisr chooses entry and exit orders

[@sting_grayl]

Sounds interesting! Please can you leave the info of your lnvestment advsor here? I’m in dire need for one

[@WestonScally7614]

Jennifer Leigh Hickman is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

[@Redwood4040]

I’ve just looked up her full name on my browser and found her webpage, very much appreciate this

[@cleanairninja9256]

I had a side hustle once and once things declined to the point of "breaking even" I packed it in. I wasn't going to put in hours of work for no pay. This fellow is way past the point of packing in the side hustle.

[@laneyluneva]

Poor folks, all this stuff that "randomly" keeps happening TO them. Ya know, like unpaid phone bills and timeshares etc, etc... Not to mention, $200k in OHIO? Should be living just fine, this is insane.

[@JoeyNYSDnomad]

Whenever you hear to make a long story short, you know a blabber mouth is coming up.

[@lonnieswag100]

200k a year household and still having this much debt makes no sense to me

[@SRD1281]

This caller came out the woodwork.

[@kendrapratt2098]

🤣🤣🤣🤣🤣 He needs to stay out!

[@ecclairmayo4153]

Literally!

[@Jithu_VA]

Credit cards are coming back ? They never left , they were just ignored !!

[@Fred2-123]

Yeah, those cards just snuck out of the house at night and ran up a bunch of charges. No the cards aren't doing anything. YOU are running up the cards.

[@amydoran9987]

They were never payed off.

[@paulmarshall9189]

A lot of people just don't understand how to do life. They have absurd values and priorities. Rules and dogma can put band-aids on that, but can't fix it. It's just not realistic to go though life doing stupid stuff and not expect catastrophic outcomes. People have a lot more consumer credit at their immediate disposal than they did decades ago. So there's a much, much higher potential to dig yourself into a hole. Can do does not equate to should do.

[@ecclairmayo4153]

That first sentence is so true. Not knowing how do this thing called "life" messes a lot of people up. This man however, is knocking ok retirement ages door, and he still hasn't figured it out. He will be working forever

[@jornada.del.muerto]

How I love Dave Ramsey and his whole team. They're really helping people. Unlike the other finance "gurus" (aka scammers) on KZbin who claim to teach people how to "become a millionaire in 3 days" type of get-rich-quick schemes selling $500 monthly classes

[@Poopinagroup]

Making nearly a quarter million dollars a year and still being in dumb consumer debt is amazing.

[@New-bw4kz]

“The credit cards are coming back” no accountability 🤦‍♀️ that man is too old to be so ignorant

[@beng3345]

Dave doesn’t need sidekick hosts. He refuses to let them speak and undermines their credibility by disagreeing. I know he’s trying to pass the torch, but it’s obvious he doesn’t respect their opinions. 😂

[@Kaktus965]

It would help if their opinions were worth a damn……..

[@beng3345]

@@Kaktus965 He should hire better people with more personality. They just defer to Dave constantly.

[@Kaktus965]

@@beng3345 Yep

[@alsuth803]

Imagine if Dave and Dr Laura did a show together. It would blow up the internet.

[@cutehumor]

I’m retiring at 54.5 and I’m 47 in July. This guy will be working until he is dead

[@KaseemWalker-ow4wo]

What if u don’t make it to see 54.5

[@cutehumor]

@@KaseemWalker-ow4wo I’ll be with lord Jesus. My eternal plan is set and my retirement is set at 54.5.

[@OTOWN2STOCKTOWN]

I know what the Bible is saying and you might just learn what it teaches about the topic for you know very well that the day of the Lord will come like a thief in the night. While people are saying, "Peace and safety," destruction will come on them suddenly, as labor pains on a pregnant woman, and they will not escape.

[@Jakkaribik1]

I could Retire Legally at 46 .. Ehh for the Money I could even do it in 10 Years or better now but heck Im still 26 Years old and can do much in the workforce to learn and improve.. I dont want to have the very easy life yet because that will just be a Insult to others and then you get bored after some years doing nothing with just "FUN Time"

[@brendandavis5773]

At what point does he figure his failing business is going to take him into early retirement? Why can't they live on $200k a year? How do you earn this kind of money on your primary income and not instinctively know your 'business' is breaking you financially?

[@megalodon1726]

With his and wife's habits, early retirement for him is retiring at 95 instead of 100.

[@RascalCatify]

If you are making 200k and your "side hustle" is loosing money and you have all that debt, how can they not figure out what to do?? It sounds to me like they just want all the debt to go away without having to change anything,

[@aschulte7502]

denial

[@christ3831]

Really wish Dave would have donned a thick chain with that track suit

[@rabbitholereviews]

This comment needs to be pinned 😂

[@xlerb2286]

They seem to have not figured out that bills have to be paid and you only get to spend each dollar once. I hope they can sort it out. With that income they should be living a good life and they're throwing it away.

[@mdaniels6311]

How is it that loan companies are legally allowed to loan people in so much debt?? How can people on 200k not survive, I simply do not get these people... I just dont get it.

[@DrSchor]

Its easy to get. They are idiots.

[@Thurgor_Supreme]

I'll never understand the tens of thousands in debt for a car thing

[@NovelNovelist]

It also doesn't even sound like they're enjoying the woodworking business based on his tone, phrasing, and general attitude about it. Why do something that takes all that time, loses you money, AND leaves you resentful?

[@smithersrob]

The trick to dealing with unexpected expenses making $200k is to plan to live on $60k, then pay any unexpected expenses with cash then put whatever's left of your ~$140k take home pay towards debt. If you are living on less than you earn then unexpected expenses can at worst only delay your debt payoff, there is absolutely no reason earning $200k a year that an unexpected expense should make you have to go further into debt.

[@taurusthebull76]

If you're financially unfit, then add another to the equation who is also financially unfit, prepare to dig the hole at least 2x the speed.

[@AO-nr7kl]

She hid a lot prior to their marriage it sounds like. He's lost income but still spends all his time in his shop. Neither are facing reality.

[@techtastic2010]

You can hear it in his voice and his language. He's sidestepping the budgeting and refusing to cut back on his current standard of living which is unsustainable. I know because I've been there, but I finally had enough and worked by butt off to get out from under. He still thinks he can get out from under without cutting back.

[@DLShoulders29]

As soon as the guy mentioned the ex-husband, I knew what the problem was; the wife is dragging the ship down with old issues. The guy can’t say that.

[@Margatatials]

Paying off the money she owed her ex shouldn't have been a surprise expense because she should have been up front about owing him that money when they combined finances. He mentioned it like it just came out of nowhere.

[@merriem24]

They have a common problem. They don’t know how to get out of debt and keep their lifestyle. You can’t!

[@louismat319]

At 200k income, you can easily pay this off.

[@Margatatials]

continuing to use the credit cards after paying them off IS a problem that is itself a symptom of the bigger problem that they aren't on the same page about money, seemingly because she doesn't pay attention to what she makes vs what she owes. And he makes excuses to not upset her about her mismanagement.

[@ArzuIslim]

journey of transformation with Adept-limited unrefined company , Every moment is life-changing , im fr blessed

[@tjmichael8773]

I knew a marriage that fell apart because husband had a side hobby where he sold old clocks. Thev side "business" is just a means to avoid marital issues.

[@Imaginarysonics]

That employee at work who sucks at his job and says, "I COULD DO THIS BETTER!" and quits mid-shift... that's every small business owner. Can we finally admit as a country we've been propping these guys up when they're all mostly this guy? They can't do one job even decently, but they all decide they can suddenly do 11 jobs really well on their own.

[@ecclairmayo4153]

He is definitely the type to start a lot of businesses but nothing ever really pans out

[@brooklynzoo81]

Yeah, good luck with that. Keep on doing what you're doing.

[@frsp3403]

Did I miss what they do for the 200k a year?

[@midnightblue117]

I missed it too

[@kvgolfa]

Why do people talk about credit cards balances like they're just something that happened to them rather than something they did? Lol

[@terrydebord7878]

He and his wife are living beyond their means, and cars keep you poor.

[@nightreader1264]

I did not hear anything about a pension in the near future.

[@ga6257]

Well. The reason he may be in that shop is actually to avoid stress. He's doing something he loves doing. Which is fine if it made him money. I also don't know whats going on with that marrige or why the wife didn't plan for those two bills. Something is wrong there...

[@Margatatials]

yeah, he mentioned them like there were surprise expenses that came out of nowhere not debts that she brought into the marriage from years earlier, how did he not know about and plan ahead for them?

[@Ixcila111]

"I have a full-time job that pays negative $10K, Dave please help me, I can't figure out what I'm doing wrong."

[@Songbird36able]

So glad that a husband called in.

[@Isrealisforever45]

Well I’ll just say when you make a six figure income and you still can’t pay your bills it’s a behavior. I used to be that way so I know

[@scotthannah4657]

It always makes me laugh when they start out "To make a long story short... well let me go back to 2 years ago"

[@JaySmith-pv2mw]

I'm never getting married again. Period.

[@williams6334]

"And losing your butt". I'm using that one 😂

[@GolfDuff]

If I made 200k per year, I would feel like a millionaire.

[@LifeandLifeMoreAbundantly]

Love ❤that Dave put them through FP👍 it might very well save their marriage. 🙏

[@onenikkione]

I would love to have 200K as a start to my budget. There would be a nice chunk left over at the end of each year.

[@lwilliams7448]

I just don’t understand how they are stressed earning $200k per year. I don’t even make half that and live comfortably within my means

[@ufchighlights1]

Why is there a cohost if they can’t get a word in lol Dave always does this but he’s old school. Straight to the point. Rather just hear him

[@jhonilocran6077]

Im so confused about the woodworking business thats losing money…that he doesnt want to stop

[@Gruuvin1]

Dave: "close it and sell off the stuff. Why wouldn't you do that?" Caller: "because I love my business more than my wife."

[@tkordik]

There you go - stick your debt elimination strategies and leave everything else alone dave and crew.

[@royhoco5748]

when you find yourself in a hole the first thing you do is stop digging

[@singerjo5791]

I wonder if the wood shop is to avoid the marriage.

[@helenbonner-v5h]

Im sorry but 200k a year is insane to have these problems.

[@SoUnDMaN831]

No disrespect to Jade, but Dave doesn’t need a cohost. If anything the other Ramsey hosts need to watch Dave take calls to better understand how to handle each caller’s situation.

[@AmandaHugenkiss2915]

Jade is the best out of them all. I can see her replacing Dave when he decides to call it