You Make Too Much Money To Be THIS BROKE!

[@annajbananas]

I had no idea people were this bad with money til I started watching these shows.

[@solidice242]

I know right. I am starting to wonder if they are actually honest about their income

[@reese85]

@@solidice242 the ppl prob went into alot if debt b4 the income and some of the 100k incomes are not a lot of money!

[@t3morga]

just look at society when you are out and about.... people spending money like it grows on trees

[@jml9550]

@@reese85 sure, but making $135K before with a $200K condo should be sufficient. It is not like they are in Manhattan or Silicon Valley.

[@jrwntctv8091]

@@solidice242 If they don't know what to do with their money and how to look after it, the more money they have the more money they flush down the toilet.

[@drn13355]

"student loans are my wifes debt". Sorry man that is your debt.

[@davidbrooks8809]

So so True!!

[@blairkinsman3477]

Yup .. if u r part owner of all ur incomes, then u r part owner of all ur debts

[@bighands69]

Yes but they are from her not him he is only pointing out the origins.

[@pattyajones]

@@bighands69 The origin of the debt doesn't matter...her debt is his and vice-versa.

[@acd1168]

@@pattyajonesAbsolutely

[@laanierhae]

This guy can't just simply answer questions.

[@DS-mo7vu]

I'll probably be completely out of debt inside 18 months after learning the steps and budgeting in every dollar. Very excited.

[@michaelsmith2157]

Update?

[@mrmortgage]

"Will you break this promise?" "YES!" 😆 🤣 😂

[@meganwilson1945]

I know it’s your go to answer, but you absolutely deserve to be doing well.

[@RebekahSF]

Where is the rest of the income going? "Overspending" to that degree....can be explored further. The money isn't going to debt repayments, or interest..... More than reasonable mortgage! Restaurants?? Stuff? Expensive Hobby?

[@Sizukun1]

Seems to be the trend for recent callers; 6-figure incomes, low to no debt, and struggling to figure out why they're living paycheck to paycheck. Then as Dave berates them they let slip they've got some $500 per month private school or some ridiculous toy they see as mandatory spending in their budget.

[@Videpedia101]

Some literally just overspend. A coffee before work. A fancy lunch. Order takeout in the evening. Sounds simple but that could be an $80-$100 day. It's adds up

[@velvetthunder8853]

Yh i wish theyd asked about that. Maybe theres medical bills or something?

[@stevenporter863]

I am completely baffled people can live like this.

[@TheAustrianPainter87]

Tesla owners probably

[@RJRussoVids]

Selling, renting and then buying requires that you move at least twice and then you have a lot of stress with all of those changes. I say keep the condo and get aggressive on the budget, like Dave said.

[@xfhnhhgjbvcfg]

I agree, doing exactly that and now on my second move in 60 days and I can honestly say I am sick of moving

[@dahbajanman7044]

The cost of rent will be more than their mortgage on their condo, so i don't see how they can save for a house by renting.

[@Lilbit2215]

My wife my wife my wife. His wife must be stressing him out

[@hiteshadhikari]

She owes 55+ k debt out if 70k so we know that

[@PoyTroy]

Cause she is. This man pulls in alone 130k a year. He’s fine living on a budget. His wife is in and out of work stressing about her debt. And that is bringing him down. They’ll be fine if they stick to a budget

[@acd1168]

@@PoyTroyThen he shouldn’t have married her. He made a choice to marry her so he has to deal with jt

[@PublicNuisance2K24]

He’s a beta

[@svanwyn1]

I lived this life for many years. Made great money and paycheck to paycheck. I married my wife and she doesn’t work. For some reason we have plenty of money now. She helped me change my spending ways

[@bighands69]

Young single men are not the most considerate of their lifestyle.

[@michealclayton1728]

My wife and I make 130k/yr gross but by the time taxes and insurance are deducted we don't bring home any where near that.

[@bighands69]

Sounds like you have bad finances.

[@benjaminmoore985]

You ask that man where he lives or anything else pertaining to his situation? Maybe ask that next time before you assume the worst.

[@DevarshT435]

A lot of maybes and "I think". This guy needs to write out his every finance.

[@maryrenaud6732]

Taxes, insurance, childcare, eat into incomes but still, where is it going? I suspect ‘toys’ vacations, eating out, an buying stuff…weird!

[@jml9550]

Taxes, insurance, child care and all other expenses are known already. Making $135k-180k, they should be able to afford a $200K condo. Eating out a lot, buying toys will kill your saving easily.

[@bighands69]

All nonsense to be honest.

[@queen.kristal8395]

I would keep the condo for now plus rent will be way more than what your paying now which will be further from your goals

[@reese85]

@bill joseph nah! New haven ain’t that expensive! I mean certain places can go for that much! But you can get something decent at a way cheaper price! Places like Greenwich, Stamford, Norwalk, Wilton ct are expensive

[@TheNobleBard]

@@reese85 You must not spend much time in New Haven lol. It is DEFINITELY that expensive. A lot of people are leaving. of Source: Former RA at Yale. Currently in Hartford.

[@reese85]

@@TheNobleBard new haven is not expensive compare to Greenwich, Stamford, Norwalk, or a wilton! I lived in ct my whole life! Got family in new haven, family in Bridgeport, Stratford, etc! The closes to the city, the more expensive

[@reese85]

@@TheNobleBard if you think new haven is expensive, move to Stamford lol

[@annehajdu8654]

*you're paying

[@therationalistparty9742]

Geesh dudes a rambler! If I lived in his head I'd be broke making $200k too! Lol

[@jecht86]

it wasnt 200k, previously it was less than 120k a year -taxes and healthcare Sure there, was overspending. But was not 200k

[@therationalistparty9742]

@@jecht86 The exact amount is irrelevant to my comment

[@jecht86]

@@therationalistparty9742 All my comments are irrelevant. I associated 'too" with the amount (200K) instead of "being broke". Thats where we miscommunicated.

[@theburnetts]

I'm always sort of shocked when I hear people who aren't really sure what they combined annual income is. Like doesn't everyone know what their household income is?

[@reese85]

Depends on the person job! You can kno the range but not the amount, especially if they work a lot of overtime! Do they make more off commission, bonus, etc!

[@donnaleesalerno]

@Corey Burnett Agree. Atleast have it all written down for the call. We all know what Dave is going to ask!

[@reese85]

Because I work so much overtime! I don’t even kno how much I truly make until the end of year

[@michaelb.8953]

I know what my take home monthly pay to the penny, but ask me what my annual gross income is and I have to think about that. Bills and life happens all throughout the year usually on a monthly basis so I'm wired to think of it in that way. To me knowing your annual income is almost pointless, but at least it gives you a general baseline so I guess that's the point.

[@nestororlandopimentelsolor3635]

She just wants a new house, she’s not onboard you can tell by her voice…

[@FastAligator1234]

New Haven is so close to where I live. I work in New Haven. Nice to see others from around here call the show

[@lindacornell7881]

Working together is the hardest part.

[@diegolim6277]

I had to close my 20 year business in 2022 went into depression and also health issues, this interview reinstated the confidence in me moving forward with something new. I will start investing with my little savings.

[@richardyepesdiego5702]

first educate and learn know the consequences Choose the leaders only reap the compounding effect. dividends will take care of you.

[@hollandhoff975]

Keep pushing it, it’s only a matter of time, We are in such a prime time right now to be investing. What an opportunity.

[@diegolim6277]

@@hollandhoff975 But I read it's a terrible time to start investing, but i also know people that became rich during 2008 recession.

[@berwickperu7683]

@@diegolim6277

[@diegolim6277]

@@berwickperu7683 I need recommendations on a reliable one please.

[@ohmylanta9973]

I love when. Dave says don't go out to eat no vacations etc and the caller is speechless lol. The problem is not many people in lncluding myself aren't patient enough to not eat out and spend for months I'm guilty. Tomorrow isn't promised lol

[@linuxsurfer2002]

Yeah that is the crux of most of these calls. The caller wants a quick fix or something to do with getting a lower interest rate loan, when the solution is simply to delay gratification, hunker down and have basically no life for about 12 months, then your debt is gone and you get your life back! But I agree, it's difficult for most people.

[@PInk77W1]

Eating at home Saves about $4000 a year

[@dylanshine6473]

Tomorrow is your worst enemy if you spend like there’s no tomorrow, today.

[@mariorta5017]

Then, learn to build patience. Plus, you are not doing this forever. it is just a short period of time while you pay off debt.

[@flygirl2447]

Children want instant gratification. Adults may want it too, but they also understand that they have self-control and can choose to sacrifice in the short -term for a much bigger benefit in the long term.

[@rebeccaoprea9917]

It goes to show that its not how much you make, but how much you save and spend.

[@uberboiz]

Yep - this caller is a classic example of professionally successful but financially illiterate people.

[@mariagomes9882]

Yeeeeeeeessssss

[@Michael-4]

Feel the fear and do it anyway was the first 'self help' book I ever bought. I can honestly say I dread to think what my life would be like today if I hadn't embraced it, owned it and made it part of my identity. It really is the key, so just start.

[@Nepthu]

I make 180k a year and I'm broke. C'mon, man!

[@stangeorge3534]

My wife and I used to make 200k a year and we were absolutely broke. Then I got financial advisors and we are now almost debt free minus the house.

[@victors16811]

Netflix should add Ramsey show that way everyone can put their life together … USA dream is just an illusion

[@jimroscovius]

No, it isn't. We're living great - paid off house, haven't had debt for years, good retirement funds, doing some traveling, etc. If we can do it, anyone can do it.

[@stevenporter863]

The dream isn't dead, just changed.

[@cindymann3673]

No need for Netflix. They’re on YT

[@HatedJared]

KZbin = Free. Netflix = $20/mo. Which one would Dave choose for his listeners?

[@victors16811]

@@HatedJared theres a lot of broke people on Netflix, that bill I bet is the most important one 😅

[@Iam_jardow]

How are you doing? Better than I deserve, how are you doing? Good, how are you doing.

[@DoctorSmartyPants]

Good

[@jimroscovius]

This guy is overspending. Stop spending and get out of debt. How often do you go out to eat? You need to do NOTHING for 10 months and get rid of the debt.

[@jml9550]

Hard to do for some people. They are not willing to give up that lifestyle.

[@jimroscovius]

@@jml9550 And yet they whine and moan about being broke. No fiscal responsibility at all.

[@jml9550]

@@jimroscovius yep. Don’t spend futures money. Simple.

[@reese85]

@@jml9550 they live in a 200k condo! That’s not a luxury lifestyle

[@jimroscovius]

@@reese85 Yes it is. I live in a huge house that's worth $280k.

[@Ant_Lambo]

Fire that financial Advisor 😂😂😂

[@keaten52]

Bro doesn't even know much money he makes. 6 figures is about as unspecific as you can get

[@mannyjeanpierre4062]

Some marriage issues going on for sure but this guy doesn't want to admit it

[@NiquazWorld]

Oh man I’m in a similar situation but make less. I needed this vid!

[@PInk77W1]

Eat at home. Save a bundle

[@veronicay3926]

They may not want to admit it, but I'm pretty sure they are giving quite a bit of their money to family.

[@reese85]

How did you come up with this?

[@michelarosier1918]

I agree.

[@robloxvids2233]

A 200k house in Conn must be in a dangerous area. wife may want to sell to get into a safer (but more expensive) apartment. Dave should have asked more questions. They could sell, get out of debt, get safer, and start from scratch rebuilding. But in general I wouldn't sell.

[@reese85]

It’s a condo! So it can be in a decent area

[@bovnycccoperalover3579]

New Haven is not a good neighborhood.

[@reese85]

@@bovnycccoperalover3579 new haven is not neighborhood! It’s a city in ct

[@reese85]

@@bovnycccoperalover3579 but new haven as a city is not all bad, unlike Bridgeport ct

[@redfox_84]

@@reese85 better than Bridgeport, but that isn't saying much

[@robr268]

Sell condo...get rid of debt. You have 21k left over. It's the easy way out but you can breathe again with money left over for emergencies.

[@therealnikrich]

Hey from New haven ct also

[@reese85]

Norwalk ct

[@JustinCase780]

Cool...enjoy the pizza!

[@reese85]

@@JustinCase780 New haven pizza is way overrated

[@therealnikrich]

Lol yes

[@ericwilde4583]

You reach financial freedom when your passive income grows larger than your active income, Keep stacking cash-flowing assets so that one day this becomes a reality.

[@harleycartley3138]

This is the goal. Build side hustles to increase my income and investing what I don't need into assets. Rinse and repeat.

[@truthseeker6370]

Their mortgage pmt has to be less or similar to what rent would be- so there would be No Savings benefit to selling the house and rent.

[@jessicacamp22]

Love this couple! They took the tough love Dave and John gave them and they are not getting hurt by it they’re using it to motive themselves as it should. Great people!

[@stevenpoohn]

Out of control 😪

[@HHHPedigrees]

This brother needs to get his life together. He needs to man up to take care of his wife and kids. You should be well of with 180k income. Tell his wife no more Louie Vitton bags or fine dining restaurants.

[@Mr_Fairdale]

The wife didn’t sound too happy 🫣

[@seanjean9677]

That’s her voice…Geesh. She sounded completely on board. She even said absolutely.

[@yeeleng1000]

Dave: Will you break that promise? Her: Yes!

[@timstrawbridge]

I think he said "make that promise"

[@karenstough8708]

Nike...Just do it! Good advise!

[@DEBTFREEMIKE769]

And once he gets that debt gone, he can maybe quit one or two jobs if he chooses to. Win win either way

[@yanesiadowning1144]

I remember when we had my student loans (70K) and mortgage - and when those two got paid off, wow!!! Many sacrifices made, but so worth it.

[@flea4061]

180k a year is not that much in Connecticut. That's like 100k in Tennessee.

[@reese85]

It’s not as bad in new haven ct! The closer you are to New York! The more expensive ct gets and new haven is goin north of New York! So it’s not as expensive

[@lionheart93]

180k is a lot 😂 come to California then we can talk

[@reese85]

@@lionheart93 who said it was a lot?

[@lionheart93]

@@reese85 anything above 100k should be enough to live a stable life. Millions, billions, trillions is a lot wouldn't u say? It I never a lot on the other hand...

[@bighands69]

People need to stop making excuses it is plenty enough.

[@TheKingsOutpost]

Can you do follow-ups from your videos, where are they now.

[@IgoOutlateAtnight]

Dave still thinking the condo and housing is gonna go up over next two years. That is not guaranteed...

[@M2Abi]

Even if it doesn't, they're better off staying in the condo, then selling it and renting.

[@jml9550]

@@M2Abi exactly. Pay the dang debt off first. They have a stable living situation instead of rent uncertainty.

[@reese85]

@@M2Abi condo may be too small for there family

[@PInk77W1]

Housing goes up 9/10 years So Dave is playing the numbers

[@Bigbilly-ms9bn]

It’s not likely to go down though

[@christophercolley459]

Dave is too much of an old head sometimes, you cant pay off 70k in debt in 8-9 months making 180k a year. Its almost like he completely forgets about living expenses and taxes.

[@bighands69]

That is just an excuse you made up there.

[@choicemeatrandy6572]

"You can't outearn stupidity" Put that on a billboard

[@crosswingrobots]

6:58 "Will you break that promise?"... "Yes"

[@jimroscovius]

She thought he said "make that promise".

[@crosswingrobots]

@@jimroscovius I know. It just struck me as funny.

[@plezilakay1214]

😂😂😂

[@brolaw123]

Honest woman 😂😂

[@HelloWorld-hb7yt]

Dave had too much coffee...

[@oclayton1911]

He is lying

[@autisticearth]

Definitely not cheap. I live in Ansonia, about 30 minutes from New Haven. I attend school at a state university in New Haven Half Time. Rents in my small town average about $1200 per month. No way I can afford it, so I live in HUD subsidized housing. Once I graduate college and I start making more money, maybe I will be better off, but still without the ability to drive a vehicle. Medical problems prevent me from driving.

[@J3llyBean423]

SRB They are just ,self contradictory / and ...back ,back , forth , and back again /.leaves them confused 😕 /about why they said /.

[@itamchi9084]

They go too much to restaurants lol

[@chuckyyes]

If you’re poor because of restaurants. Then you were already destined to be poor

[@throughmyshadow]

Its a bad assumption but at that income and debt, could it be drugs, gambling?

[@adrianmechelle3784]

No lol, lack of focus is easy. Most of Americans are in debt and we love instant gratification.

[@stevenporter863]

When there are question marks about something people tend to assume the worse. Just the way it is.

[@PInk77W1]

Restaurants are so expensive

[@bighands69]

@@adrianmechelle3784 Most Americans are not in debt.

[@joeltroughton3021]

Life style inflation or actual inflation

[@hornetguy9063]

It’s actually not a horrible idea from wifey. Housing is starting to deflate and it might be good to “get out” before the property can’t be sold for an acceptable gain. Especially since this definitely isn’t a “forever home”. Getting rid of debt would change their lives. They’d be able to save tons of money, since new haven isn’t too expensive.

[@donnaleesalerno]

@Hornet Guy But they've not learned the practice of saving and not spending. If they pay off the debt from hard work and creating a budget, they will see the fruit of their efforts a year from now. If they pay off the debt from the profit of the sale of the condo, they didn't do the work to get out of debt.

[@mikesawyer4707]

Thank the lord they are both on board with Dave' Ramsey's plan for financial success.

[@nancygamez7087]

Don't sell. Rent is going to be way more

[@gavanlee]

The title sounds like a country western song 😄

[@John-bd9fj4435]

investing requires good experience and knowledge to carry out a good and successful trade, I have lost a lot trying to trade all by myself May I ask which investments are good?

[@myhappyspace4533]

The moment the other guy starts talking, I fall a 😴. Get him off the panel 😂

[@alphagenisis1]

Connecticut has a high cost of living. 180k is not a lot.

[@bighands69]

It is good income for state.

[@caleblammers6032]

People love what they can’t afford

[@lionheart93]

180k you can saving an investing 100k minimum and enjoy life. Live frugal to the max and save and invest

[@lionheart93]

Post tax

[@djpuplex]

Did Delony have a growth spurt or is Dave shrinking. Most be the Lord at work. Of course the wife is looking for the perfect job and spending time with kids. He's a simp, and those two give him a pass.

[@kingtizzy007]

What happened to Kelly will pick up?

[@jrwntctv8091]

Kelly's allowed holidays.

[@HHHPedigrees]

Fired because she wanted WFH

[@countrymusicandcher8593]

This call is the best thing ever. I've rarely heard someone sound so certain when he asks if they promise to do it. She just said "Yes" like she had decided there was only one answer before he even put her on the phone. They'lk be debt free right about now!

[@BrandonMinguez]

Proof that you can't out earn financial laziness.

[@tomdrummy4984]

Gambling problem ?

[@tommycoe2333]

You can outlive disorganization....... whats this clown talking about?

[@OTOWN2STOCKTOWN]

Wonder too...

[@jml9550]

Unbelievable. Low $115K mortgage, making $135K before and don’t even have a measly $30K to buy a car? That tells you making money is easier, spending money is even easier.

[@budgetingdaddyuk6761]

It's very easy to get into debt. Paying it off is very, very difficult.

[@blairkinsman3477]

S and S .. FPU and the ideas in there work .. we did 107k in mixed debt using the debt snowball .. it’s work but the outcome is great .. I feel like u guys will get it done

[@davidbrooks8809]

You should not be broke!!!

[@Pretty_Fly_White_Guy]

Highly doubt that they have no car debt

[@blackworldtraveler3711]

They could have planned better before having kids.

[@15KHPCLUB]

Says the one who doesn't have kids

[@blackworldtraveler3711]

@@15KHPCLUB Learned a lot from the best group working and living around home schooling parents since the early 90s.. Also from my parents. They planned before having four kids. Not only kids. Can be dogs,cats,adoption,eldercare for parents,vacation,retirement,marriage,funding education,etc. Just need to know math and plan ahead. It applies to most things in life. If not you will be like this caller or worse.

[@angelaonthego]

Please follow up with this couple in 12 weeks and a year!!???

[@larissagonzales6075]

Why do we not just answer the question lol. Instead, we ramble on stories and then answer the questions.

[@PianoMatronNeeNee]

Sad but True times in America

[@DoctorSmartyPants]

Haha, that's got to be a first! The caller hands the phone over to his spouse towards the end.

[@jreinel1966]

Over spending is the problem here,no doubt..!

[@mistiinseattle]

Can't understand a word the guy is saying.

[@kdavis9948]

Do it anyway. A 3 part series. New book?

[@dannynguyen5684]

The hesitancy in this guys voice just shows that he is a total BSer and is full of it. Just probably spends and spends.

[@Mntbikerguy]

Thier is no way this guy is going to get on a budget Everyone knows how much they make. Everyone. Of course he knows. why do they act like they don't know. the only reason is, they want to lie

[@reese85]

Because I work so much overtime! I don’t kno how much I make until the end of the year

[@jml9550]

Yep, Every paystub gives you a gross pay for that period and YTD earning. If that person choose not to know, that’s on them. Get organized.

[@midkort]

They're gonna make it.

[@GERALDT]

What a jamboree

[@ebonylewis1680]

I agree

[@joeriveracomedy]

Sheena, Shauna, Cherie, Shontay...

[@janeoleary8454]

Quintoya

[@RawVeganGinger]

Stop treating the symptom. Change your lifestyle. People would rather change everything BUT changing themselves.

[@miketheyunggod2534]

Pants is better than no pants.

[@clutchlaughs9179]

Dave hears a name as simple as Shea and a minute later messes it up lol

[@krobdawg]

Dave getting old lol

[@stevenporter863]

He doesn't really listen. I wouldn't be surprised if his headphones are music.

[@jaqueitch]

3rd

[@truegrizzlesfan2292]

Are you third, out of debt. That's the real question.

[@Wealth_Wisdom_Discernment]

@@truegrizzlesfan2292 shut up

[@jaqueitch]

@@truegrizzlesfan2292 I don't overpay on the house, as the loan rate is so low. I can do much better with high-yield stocks, etc.

[@thejakelegion]

First

[@truegrizzlesfan2292]

Are you first, out of debt.

[@JONAELF]

First

[@truegrizzlesfan2292]

Are you first, out of debt?

[@tonystone8584]

When people comment “first” what do they mean?

[@AlanH2B]

They are trying to be the first person to comment on the video.

[@tonystone8584]

@@AlanH2B ah. I see. Probably 14 year olds?

[@AlanH2B]

@@tonystone8584 I'm not sure how many 14 year olds would have notifications set up for new Dave Ramsey videos :)

[@blackworldtraveler3711]

@@tonystone8584 Yup in an adult body.

[@tonystone8584]

@@AlanH2B lol

[@Itsdjsigi]

Amazing advice except for calling her student loan debt theirr debt… it’s her debt not his

[@mccroryshealthandfitness7242]

if they're married its their debt

[@Itsdjsigi]

@@mccroryshealthandfitness7242 and that’s why marriage isn’t worth it

[@Harvey2Tall]

@@Itsdjsigi how old are you? You honestly sound like an 18 year old kid

[@Itsdjsigi]

@@Harvey2Tall and you sound like a simp

[@d_all_in]

@@Itsdjsigi marriage is worth it when you're on the same page