Unforgettable Calls Vol. 2 | Dave Ramsey's Greatest Hits

[@toological7188]

My sister met a Philipino man on a cruise ship. He was working as a server. They kept in touch (no internet then). She took some more cruises. They got engaged. He was able to come meet the family. We were all ready to expose the scam. But we all liked him so much. They’ve been married 35 years. He’s the hardest working person I know. He stayed in hospitality. Even when laid off with Covid, he found a job at a nursing home in their cafeteria the next day. He made less than what he would have made on unemployment. That’s a worker.

[@HighCarbAlex]

Filipino's are awesome, I loved seeing their gratitude and work ethic during my visit to the Philippines.

[@amandariddell7120]

This is also how you stay young & your mind always working Glory be to GOD

[@Lala-ft1mb]

Because he’s Filipino, that’s a big difference…

[@cococock2418]

No that's what's called a slave. It's people like that that drive down wages and cause native born Americans to have to accept this horrendous work environment we have currently. I applaud everyone who took as much covid unemployment as possible. The government robs us daily and it's about time the people saw some payback. It's absolutely astonishing to me how you are over here applauding someone for working and giving up a PRICELESS resource (his time) to make LESS money than if he would have spent that time enjoying it with his family. Throughout life I've met people like you and the man you described and let me tell you - they always have skeletons in their closet. Normal, well adjusted people do NOT love working their lives away til their 70 years old. PEople who love to work all day are running from something in their lives, be it family situation, wife/husband, mental issues, etc.

[@raccuia1]

@@HighCarbAlex not all. There are lazy scammers in that ethnicity who prick up their ears at a foreigners money.

[@jetson8119]

As an American born Dominican, I can tell you run fast and don’t fall for it.

[@Playingwithproxies]

Yep that’s insane 😅

[@L.Landerson777]

Run like Hell !

[@Lstacker]

I’m half n I was born here I have a lot of family members in that island 🏝️ girl run like hell 😂

[@maryjankowski9032]

Exactly... don't believe a word...

[@maryjankowski9032]

​@@L.Landerson777I smell a green card

[@nickwilsonmusic2532]

"Pictures of him going to work" ..and he got fired for no reason... Run🏃🏾

[@ShermaineLit]

Ruuunnnn

[@Playingwithproxies]

I don’t really speak Spanish and he’s still learning English 😅. Maybe you should slow down and learn each other’s languages before they get engaged.

[@garystone5338]

Run VERY FAST. EXTREMELY FAST!

[@ORSkie]

​@@PlayingwithproxiesEven worse! "I'm learning Spanish and he speaks NO English at all" ❗️❗️❗️And she goes there to see him. NO EFFORT shown on his part!

[@curiouscat3384]

@@Playingwithproxies Sex is its own language I suppose

[@rebeccamurphy3251]

The second caller saying “I’m not going to argue with you, but…” then proceeds to argue. Classic. 😂

[@Kristinapedia]

That was the ONLY reason for his call!! LOL

[@YouButter]

He had his wife in the background listening. He was trying to prove a point lol and failed

[@jacobparamus1229]

I mean it’s ok to have disagreements in the call and challenge people. He wasn’t disrespectful

[@dmailm4501]

Free advertising for his insurance business.

[@zoeyredmond5501]

The guy even sounded like a sleazy salesman from a cartoon

[@debasishraychawdhuri]

The first case is like "I can barely understand what he is saying, but I know I want to marry him"

[@mplslawnguy3389]

She's definitely a bigger girl.

[@atombomb31458]

"The first case is like "I can barely understand what he is saying, but I know I want to marry "...details details

[@SavedbyGrace84]

I know a couple that was in a similar situation. From what I heard their relationship was fiine albeit challenging at times. Unfortunately she died in a car accident a few years later. The difference is they met here in the US and attended the same church. Personally I was not happy about the way they proceeded with their marriage but they were mature adults in their 40s and there were mutual friends and acquaintances who could vouch for his character. This caller is in a long distance relationship with someone she can barely communicate. The foundation of their relationship is shaky. He is also presently unemployed. Too many red flags. Maybe I have seen too many episodes of Dateline, but I fear that this may not end well for her.

[@vaska1999]

Bizarre as it sounds, people have married barely able to communicate and the marriages turned out to be long lasting and happy.

[@jacquelynholt4753]

😂😂

[@twinblade63]

the insurance guy was so mad. lmfao. he was seething!

[@beedeefpv8930]

he sounded like trump 😂

[@lindalund9621]

@@beedeefpv8930He did😂 it did not help him

[@gruffencip]

I am 2 minutes in and all I am thinking is: RUN AS FAST AS YOU CAN!!!!!

[@Wistbacka]

Yes. But also, this is also on her. Who the fugg decides to get married with someone in a long distance relationship that you have only met 4 times? I smell pregnancy... But still

[@annpapalii3232]

90 Day fiance vibes 😂

[@MrPoetistic85]

​@@Wistbackaand not only that, but she only went to him, and not the other way around.

[@CMoore8539]

It’s so sad that she even believes in him!!! Very young with much to learn!!

[@beverlysaletta2983]

Why get married to start with, so soon anyway? Him come to this country and work, get to know each other better. Don't be in a hurry to marry, doesn't make sense

[@kersymelenciano6107]

I'm dominican and I assure you most of us WORK HARD. I have family in the USA and they are doing great because of how hard they have worked their way up. The guy she described on that call, we don't claim him. Guurl run.

[@HanSDevX]

Same, she's being gold digged lol.

[@jarrod797]

Key words here, most. Duh. No shit.

[@kersymelenciano6107]

@jarrod797 there is lazy people EVERYWHERE, however, you should not judge an entire nation just for a few. Just saying ❤

[@eileenwatt8283]

Getting my hair done in the DR salon while I listened to this. They are excellent and hard working.

[@vincomens]

No you don’t

[@sukhvindertiwana586]

I am from the Indian community. I know two women whose husbands left them after becoming permanent residents in the UK. Sad reality is they waited years for it. It happens a lot.

[@thecamillarose9806]

So fucked up

[@madlad4206]

Really like how respectful he was to the first woman, didn't accuse her "boyfriend" of anything, just raised the red flags for her to decide herself, perfectly done.

[@lancheloth]

He point out as a father talking to his daughter, he understands that she like / love that man it is to enlight her to be aware of the looming danger ahead of her.

[@NursesToRiches]

For the caller with the $430k in student loans: you most definitely can become a nurse with very little to no need for student loans. There are programs you may qualify to help you cover the cost of tuition and many courses from your biology degree will absolutely count toward your nursing degree. Then, I recommend you move to a relatively low cost of living area in Northern California, work for Kaiser, earn over $200k per year, and pay off your student loans in 2-3 years.

[@chinaarlene7035]

I watch your channel, great advice! I hope he sees your comment!

[@anthonyreynolds2365]

2 Year Associates Degree at a local community college can absolutely get you in the door as an RN as it's all you need for the RN cert. After that, you can work your way up to higher roles and supervisory roles that put you in 6 figures. All for the cost of under $12-15K and that's paying out of pocket either by loan or cash, with no grants, subsidies or scholarships. In some states, Associates degrees at a local state school is nearly free outside the few costs of fees and books.

[@HBARbarian]

He could also use his bachelors to go through a 12 month program and become a perfusionist. Average pay is 130k but the managers exceed 200k. The lower 10% still make over 90k. I inquired at the program in Houston and they said the bachelors can be in anything but medical related is a plus.

[@lorindahall131]

South Dakota is paying for nursing degrees as long as you work for their hospital. A friend's daughter is moving in May.

[@anthonyreynolds2365]

@@lizc2168 Personally I wouldn't recommend. The medical establishment and herbal/holistic medicine have been at odds with each other for well over a century. With the establishment nearly always coming out on top. In the U.S., you're far more likely to find a well paying job and have many more opportunities in traditional medicine than in the herbal/holistic field.

[@wdsd03]

I appreciate Dave's concern and wisdom. Thank you for putting on your "Papa Dave" hat and giving this young girl some wise advice.

[@DonnaSmith-qy5xi]

Hope She Listened!

[@deliveryguy7402]

My problem would be that I worried about that girl until she called me back.

[@RubyShelton-nf4mb]

That's the Dave I love. I believe his advice regarding budgeting and debt management however the concerned Dave doesn't always come through. He was solidly Papa Dave with this first caller. Really loved that.

[@dmailm4501]

Dave said what her real father wouldn't or couldn't because he's no longer around. Or maybe she doesn't listen to him.

[@donnietreece5257]

"I did take my muddy boots and walk all through your house there" adding that to the vocabulary, brilliant ✨

[@LaVonna3333]

I know... I absolutely loved that one!!!

[@MissDanielsonMath]

I heard "money boots"! 😂😅

[@Rollie-go]

Why did they cut off the doctor call? You get invested and then it switches to another call, not a well edited video

[@sharonloves]

To the caller who flunked out of med school, if you become a teacher, at least I know in New York State there is a school loan forgiveness program. Good luck and keep your head up. 🙏🏾

[@Ben-zr4ho]

A lot of people who graduated from shty medical schools in Granada who don't actually end up getting a residency (which is like a full 1/4 of medical school graduates) end up going to specialized nursing schools or go to work for pharmaceutical companies or both. Not the best situation but it's what a lot of people do because there are more medical school graduates then there are residencies.

[@Kuncous]

16:34 I would change my identity. Is knowing the world I could be saddled with nearly a half $1 million in debt with a degree that doesn’t pay because I didn’t finish. That’s the worst scenario ever.

[@monkey39128]

I didn't even realise that could happen. Is people ending up with no degree and loads of debt a common occurrence? Never did the whole college/university thing.

[@Cuggaconroyfan30001]

​@monkey39128 common? No not particularly. The caller in question seems to have failed his medical boards which if my knowledge of that subject is correct, means he essentially finished law school then failed the bar exam twice. So he cant be a doctor since he failed the boards twice without going to medical school for a second time

[@RdkDhrn-do2bt]

As bad as it is. It means his student bill is footed by the taxpayer. No too bad since the Biden administration is spending out tax dollars like a drunken sailor. I guess 400,000 is nothing to another 400 billion.

[@rebekah5429]

I dated someone who also had the same medical situation, 3 years in and didnt pass and very high debt. He went into a fast paced 1.5 year nursing program, did amazing, and is now a successful male nurse. Probably would be great to look into that for this young guy.

[@StellaBella488]

I’m in similar situation. Graduated from pharmacy school. Got my doctorate and delivered a baby months later. But I underestimated how much being a new mom with postpartum depression and ADHD would affect the ABSOLUTE focus you need to study for board exams. Also I don’t live near my family. Because of my education I was able to identify quickly that my daughter had autism (no believed me and thought I wasn’t disciplining her enough). After 2 failed tests and my daughter’s constant overstimulated tantrums I knew I had to solve 1 problem at a time. With research, trial/error, and TONS of patience my daughter is 4yrs old, doing great in school, can spell, read, do math, barely has tantrums and loves to help mommy. She still struggles with speech but I have to find a new dream that provides money to lift the financial burden from my husband and afford a speech therapist because Im not an expert lol. I wish I had a therapist because I’m scared to death that I’ll be a failure to disappoint my family again and i have soooo much anxiety built up from the past 4 years but I’m applying to everything. I can only fix one problem at a time.

[@johanssonx]

Regarding the first caller, I’m from the Dominican Republic and I can tell you that her “boyfriend” is desperate to leave the country and he sees her as his salvation 🤣🤣

[@jeanmccallum5034]

This young lady is way too loving and trusting. The guy? Forget about him.

[@nathang2465]

If you know any hot Dominican women that want to leave let me know 😉😂

[@rolandhansen812]

@@jeanmccallum5034 Some people are just desperate to be loved.

[@itzelmayoral729]

​@@jeanmccallum5034loving? Is that what you call it?

[@angelap32]

The first red flag is that She ONLY met him four times and he proposed to marry her that's ridiculous😂😂😂

[@brentleary2227]

1st caller......he's just looking for U.S. citizenship. He will drain you of what little money you have and dump you in a heartbeat. WAKE UP !!!!!!

[@MrClassicmetal]

Precisely, he's a scammer and he found a willing victim.

[@Ocelot35]

Don't tell that strong independent woman what to do.

[@EduardoScobar]

As a Latino I thought the same thing

[@johanssonx]

I’m Dominican and you’re totally right

[@rschmidt9495]

100%

[@parkertowles2401]

Pretend that you want to move and start a life together in the Dominican Republic instead of the US. If he ghosts you, than you know your answer

[@EduardoScobar]

Great idea

[@ckreon]

Gotta add that you expect him to work and provide

[@sarikagoode1505]

@@ckreonAs a man should.

[@asarishepard8171]

I agree, shes gotta flip the script on him to find out. Guaranteed he's bragging to his buddies that he's so great some American idiot is going to bring him over.

[@ladycactus110]

Say you want four babies in the next six years also.

[@mnb3566]

OMGosh, I absolutely love when someone like the insurance agent tries to argue with and “prove” Dave wrong. So funny. 😂

[@proudmary3553]

That was hilarious 😂

[@narelle-creative-arts]

James, I wish you all the best, just because you didn’t pass your doctors exams doesn’t mean you failed anything, it’s all a journey, nothing you’ve done so far is wasted. Keep going, you’ve got this ❤

[@christfollower122491]

First call is literally how my dad became a American citizen back in the 90s. Once he got what he wanted he left the women and got back with my mom. Terrible thing to do and never underestimate the desperation of those in poverty in a third world country.

[@mp5249]

That's disgusting.

[@adorimonroe1]

That’s both romantic and messed up lol. He literally did what he had to do for love. I can and can’t respect it 😂😂

[@Brian-vk1hm]

Thai broad used my friend to get her green card then instantly divorced him.

[@tomlxyz]

​@@adorimonroe1 i can't respect it. He made two promises and broke one

[@sergiv5613]

Your dad is a leech. I'd be too embarrassed to admit this online, personally.

[@lauraminor5891]

My grandfather was an insurance salesman. Took out a whole life policy on each child. His son died at 26 of liver cancer with a young wife and son. He was completely devastated to learn that the bill of goods he had sold everyone and bought into so much himself- that it was trash and there was nothing. Term life insurance is what he should have had and term actually serves the purpose of protecting a family from the lightening strike of an untimely death.

[@valley5617]

It makes no sense that a whole life policy would end up with nothing. It sounds like he bought junior policies on children then didn’t convert them at age 25 or so. I converted my son’s policy and added a term policy on top. You can’t get term insurance on children.

[@notmoose8670]

@@valley5617 Uhhh you can get term life insurance on children. From Progressive..... "While many parents choose a term policy for their child's life insurance, you might decide to get permanent life insurance (like a whole life policy) if you want to make sure your child and their future family have coverage into adulthood." From Aflac..... "Aflac juvenile life insurance offers both term and whole life options for children, with no medical exams required."

[@thepleasants2795]

​@valley5617 you most definitely can. It's a rider. Which is cheap.

[@marcvolkamer133]

The guy with 430,000 in student loan debt with a major in biology/science along with the full term of MD study even though he has not passed would be an excellent candidate for pharmaceutical rep

[@Elgato840]

That's exactly what I thought!

[@cori8457]

I feel like this guy is very demoralized from failing twice. I hope he realizes that his worth is not determined by whether or not he can pass the boards. Some people are not good at test taking. Some choose things that are out of their reach, but none of that determines your worth. I pray he has friends and family that can help him get his confidence back.

[@bebetigre1252]

yup they can make a ton of

[@Kuncous]

That’s a great idea. Are you gonna leave American and be a doctor somewhere else the next day?

[@hadassahberendzen5663]

Right!!

[@jillbaerg]

I am so thankful for you! My husband and I have 9 children, I am a stay at home wife and mother and we are totally debt free!! We own our home, our van, everything! Both of our families are in debt and that is how we grew up. Not ours! You helped us change!! God bless you!!

[@vidareggum6118]

Way to go!!! I’m so happy for you and your family. That’s so impressive.

[@Mishairl]

9 children, that's amazing! May I ask what your husband does for work?

[@jillbaerg]

@@Mishairl He is a repair parts analyst for a Farm implement manufacturer 🙂

[@malieblessed2782]

How many bedrooms is your house ?

[@FaithwWorks]

God bless yall! that’s definitely goals

[@KenistonKist]

I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Charlotte Miller.

[@stephaniebeddis8069]

She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states

[@Piligarcia-zs7bo]

The very first time we tried, we invested $1000 and after a week, we received $5500. That really helped us a lot to pay up our bills.

[@pedroAgondel]

I'm new at this, please how can I reach her?

[@WilsonCounty]

I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills

[@KenistonKist]

she's mostly on Instagrams, using the user name

[@DanielChadwell-n2y]

The Insurance guy literally called just to argue with Dave 🤣

[@Muchacha2024]

AFTER he spent time typing out his arguments on Dave's website. Give it up, Dude. You might as well be calling Donald Trump and trying to convince him that he is arrogant.

[@rolandhansen812]

@@Muchacha2024 I bet he could convince Donald Trump that Dave is arrogant 😛

[@kloppthedestroyeryt7238]

He sounds like trump lol

[@thomashind4835]

That how you know he’s a conman

[@dariotrombas]

I’m from a neighboring town from where the second guy is from, everyone is like up in New England 😭

[@roadrunner9622]

After that insurance broker call, Dave probably yelled at his assitant, "Don't let anyone like that through again!"

[@DoubleDee382]

Nah, good drama makes for future viewers. That video is on so many Ramsey fan channels.

[@_2315_]

Facts!! Homie got Dave all mad 😂😂😂 Dave kept interrupting him so we all know who won that battle. Not tio Dave 💀

[@veramae4098]

Started my IRA with Massachusetts Mutual. Turned out they were not doing IRAs, but selling whole life. Feds got involved. I changed companies.

[@New_Years_who_Cares]

​@@veramae4098😮waht duah

[@frankcb11]

True lol

[@FrankS111]

“Life is hard. It’s harder when you’re stupid” - John Wayne

[@anthonys5568]

Amen Brother...

[@slickster3211]

Stupidity is also always expensive and/or painful.

[@elainenilsson5472]

Well, that was helpful.

[@ericolens3]

​@slickster3211 dont forget that sometimes the stupid tax is paid by OTHERS. try getting into a wreck with an uninsured motorist or being related to a person who costs you money for their bad decisions. namely, knocking up a woman who refuses to get employed yet hits you up for child support. theres so so many ways OTHER folks stupidity becomes your problem. becareful who you become attached to. (by money, marriage, sharing a child, friends and so on) their problems can become yours. the stupid tax just by association.

[@ms-tw4sj]

Here's another way to put it: The reason why rich people are rich and poor people are poor is that rich people are smart and poor people are stupid. One way to get smart is to learn a skill that pays a living wage.

[@jmgomez5480]

I'm dominican 🇩🇴 and all i can say is run 🏃‍♂️ before is too late.

[@timsimon8995]

Known for 9 months, met 4 times, live in different countries, can't speak to each other. How stupid are some people?!

[@marilyntill9507]

Pretty Stupid 😂!!!!!

[@Forwardnow]

Youth!😁

[@jemimacoop2726]

That's like voting Democrat after the last 4 years. It's insane

[@I.no.ah.guy57]

Yeah that was just a whole lot of red flags... I feel sorry for her but I REALLY hope she just ghosts that man and never looks back 😭😭😭

[@MagnsATK98]

She literally said she speaks Spanish but not fluently yet. Meanwhile plenty of guys find Asian wives without knowing each other's language at all.

[@DaveDepilot-KFRG]

To explain the first call. Dominican guy quit his job when he got his sugar momma from America sending him money, and is only buying time to come to the US to start sending money back home. Then after 2 years, he'll get his 10-yr green card and say good bye to sugar momma.

[@alladreamwedreamed]

Just google Sanky Panky for more info on this very common DR scam 😂😂

[@bruceellenburg429]

And she's too blind to see it I hope she wakes up

[@Otiliastodolist]

As a Dominican woman I have to agree with Dave. But that is true with people all over the world that wants to come here to better their lives.

[@bruceellenburg429]

@@Otiliastodolist and I'm all for that. However, there are so many criminals and deadly drugs that cross our borders every day that aren't vetted. This is very dangerous

[@pampurcell7111]

Dave didn’t ask how much $$$ she’s sent him already…

[@denada4661]

First caller is red flag, flag on the field, full stop, NO.

[@ShalomDove]

Truth- a whole parade of red flags. 👀

[@zybard01]

Women like them Dominican men

[@MrClassicmetal]

Red flag, green card.

[@BTLawnCare]

@@MrClassicmetal This is hilarious

[@royh2618]

LOL Full stop. Do you feel smarter saying that?

[@esotericone9101]

You gave that young lady EXCELLENT advice. I’ve been there. Luckily it just cost me hurt feelings and not financial ruin. I would have appreciated that information from a “Father-figure” when I was a young woman. 😊

[@Deepstatedebate]

Women need to quit bringing people into the country cause they can't date here. Passport bros at least move to the other country.

[@richtidd]

I’m very impressed with how DR addresses to first caller. He addressed, answered and advised person with kindness, dignity, respect etc.

[@christophercabanog]

I always get a daily dose of Dave’s rants to keep myself grounded. 😂

[@marysalas3547]

Yes!!!😂

[@werebilbyj4449]

First caller - Don't. My friend did this and her " husband" used her, abused her and left her with nothing. So please listen to Dave, he knows what he is talking about.

[@janstolk486]

Nothing ? Not even a mixed kid ?

[@curiouscat3384]

First girl sounds like one of those poor country guys picking up girls vacationing there, talk them into marriage to get his visa to US and then she's paying for everything or abandoned. RUN GIRL! I'm glad she called Dave and is paying attention to all his questions and advice. She's young and naive and the perfect target for an opportunist. Talk to my sister who did her thesis on tourism in Jamaica and the prevalence of scam lovers!

[@ORSkie]

OR all that plus trafficked. 😢

[@TexBirdie]

I would SO love to read her thesis - great topic

[@curiouscat3384]

@@TexBirdie She would be so flattered. That was 20 yrs ago - It was in university print then but not sure how that works. I'll ask :)

[@HeyCati8]

I would love to reqd your sister thesis as well as a Caribbean American i have heard many stories recolving it ...its quite wild but it crazy what people will fall for yet it is quite interesting

[@neurotechman]

She is either very unattractive or that guy is very good looking for an American woman to go overseas to find love.

[@jeffreyblaise3198]

lol this guy called in just to argue with Dave? 😂😂

[@MrClassicmetal]

Some people just have that urge.

[@TheCatnipCinema]

The second one right? 😂

[@lindap.p.1337]

Yep, the whole life guy did.

[@Scott-got-caught]

Nothing wrong with a good debate . It's stimulates critical thinking skills and expands your mind to what others think about the subject

[@xlerb2286]

When we were young and dumb(er) we bought a modest whole life policy. Looking back at what the payments were I'd have been way ahead getting a term life policy and investing the difference. We've never cashed out the policy, but it's worth nothing compared to what that money put into a S&P 500 index or similar fund would have done. Ah well, a good life lesson.

[@Bamifun]

Dave was so diplomatic with that gullible girl.

[@jeanareed1854]

Dave sees the flags. He was very fatherly about this young woman.

[@jcrules2413]

The first story literally made me sick to my stomach that poor girl doesn't know what's coming to her

[@dietzyfly]

James broke my heart....what a difficult position to be in. I often thought about whether or not I would pass boards when I was in the healthcare field....and knew folks who didn't. So tough. And as far as the NYC woman---take the tundra job!!! I moved to a rural underserved population to pay off my loans and then fell in love with it---stayed for a decade. Now I'm retired at 56 :)

[@pixie_the_rabbit2917]

Thank you for your service. I grew up in a rural area. My family physician took care of several generations of my family, before he retired. That surgeon's wife sounds like his first wife, who dumped him and moved on. I guess there was no place to show off her designer clothes or to socialize with people she thought were her caliber. I could elaborate, but I won't. Fortunately, after many years he remarried. Second wife was and still is a lovely, friendly, country girl. He has given so much to the community over the decades. I am so glad that they were surprised with raising a new family. The kids are also now grown. He is still active and provides care at free clinics.

[@OnlyAchievingHere]

Yeah that NYC woman kinda annoyed me simply for even questioning that decision. 3 years for nearly $3m between her and her partner. She’s wondering about having enough money to retire but doesn’t want to move to a nice quiet country town for a few years to end up better than many people ever have the chance to end up. Somewhat insulting

[@MommaARA]

@@OnlyAchievingHere Just the simple fact that they are still together with financial strife and not being on the same page enough to take an obvious opportunity, over what? Comfort, inconvenience? Many people in this world do not deal with change well at all. Hence many are in debt. If I had half the opportunities she had my life would be vastly different.

[@beckytourian]

RE: James. I so agree. I feel so bad for him. Horrible situation.

[@EmilyGloeggler7984]

I hated moving to a rural area and so grateful to God for moving us out of that Hell. Self sufficiency is coming to the city!

[@TammyMayCormier]

The whole life salesman thinking he was gonna change dave's mind 😂

[@colleengarcia7752]

Funny wasn’t it! 😂 That guy was just selling his product and trying to defend the immoral whole life policies he just sold to his family members.

[@crazycdn8327]

We had one in the family and refused to buy his junk. Told him to his face it was junk (he wouldn’t sell term to family said he didn’t like anyone that little lol). After that he avoided me and any family functions at our place, which was fine with me.

[@katemiller7874]

Term is a waste of money. Whole life is not.

[@streetlights88]

@@katemiller7874how so?

[@_2315_]

Total opposite. Dave on the other hand let his emotions get the best of him. The whole phone call, his blood pressure went up and down. 😂 VS agent dude remained calm. I know alot of people who are like Dave. Their emotions get the best of them.

[@Mom2jems]

the 1st caller need to RUN!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! She doesnt know anything bc she's accepting his excuses.

[@usuallie]

I love the “sign up for term life insurance today” ad ALL through the second call 😅

[@courtneya2207]

I know almost nothing about life insurance so the words they were saying didn’t mean too much to me, but the ad killed me 🤣🤣

[@Sibyle79]

I've listened to Dave for 24 or so years. Excellent advice from someone who genuinely cares. Much love

[@colleengarcia7752]

Such a sad call. This lady needs to put everything on hold. Let’s see how long he can wait. I think Dave’s advice is perfect! Thank you for caring about her.

[@Brian-vk1hm]

Nah she needs to end it and find a white man in Kansas City

[@La_sagne]

i am very impressed by how nice yet firm dave talked to the first girl

[@queen.kristal8395]

first caller i know Dave is right. 22 years old, language barrier, ,no job and wants to get married? and only met 4 times/9 months is not enough to marry someone. I say just date or call it quits.

[@bruceellenburg429]

Recipe for disaster

[@KatrinVB89]

I was dating a guy in Florida, we actually even lived together for 4 months. Chilean. After 3 months in I figured out he was illegal and even was deported before 😂 you can not trust anyone 😅 after we broke up I was getting calls from collectors about him owning a lot of money, luckily I was smart enough NOT to share any financial responsibilities with him 😂

[@MrClassicmetal]

The guy is obviously a scammer looking for a greencard.

[@Stellasbaby724]

I wish my daughter would…uhm no!

[@runawaypony429]

The fact that either he felt the need to send pictures of him going to work, or she felt the need to ask him to send her pictures of him going to work, is a huge red flag. It’s the same as these scammers who send women pictures of their bank accounts to prove they’ve got that $5 million in the bank but they just can’t access it. Run honey run.

[@sarameiragootblatt1819]

🤪 we all need a papa Dave in our lives

[@sebern2]

Case 1: spot on! Failed Medical student: Pharmaceutical sales or surgical instrument rep.

[@colleengarcia7752]

I thought the same thing.

[@joniatoms9798]

Me too

[@DeliverMeFromEvil-]

Me three...

[@shellythompson3740]

He's not interested. Matter of fact there are TONS of options if only he tried a bit.

[@bobbywilhelmi9932]

@@shellythompson3740 sounds like he’s waiting for the right idea to be suggested to him. I read someone suggested he go Military. You have to have a degree to be an Officer which it sounds like he never actually got one. But if he were to find the right job for with them, student debt relief provided by the military is a thing and he could even use the GI bill to finish his schooling without going further into debt. Great options that weren’t mentioned in the conversation. He definitely needs to take action on one of those, get rid of all the emotional shit and logic his way out

[@jfoose27]

i love seeing an advisor call out a bs salesman.

[@yanwain9454]

on that first call: if you marry a foreign citizen and bring them here and sponsor their citizenship, you are financially responsible for them for a set amount of time, even if you get divorced.......

[@skylohs4631]

No shot that’s true, I’ll brb.

[@skylohs4631]

Lord have mercy it’s true, that’s nuts.

[@yanwain9454]

@@skylohs4631 wild huh?

[@lauraonesky1250]

10 years

[@duvessa2003]

That would be AWFUL for her.

[@tmdrtn]

First caller; Everyone listening heard the same, but the way Dave made her listen to him was amazing 👏

[@jesshatchette]

I really needed a dad like Dave

[@london4447]

The Poppa Dave is awesome! Thanks for switching hats and giving this young girl advice. ❤

[@Freebirdpr]

For the dude for the 430k student loan, Military offers Repayment programs and they need health professionals. Benefits that no other company will give.

[@DeliverMeFromEvil-]

I agree. Also research and development in the medical industry pays well I wonder if he's looked at that

[@phoebesue3008]

At this point he is not a healthcare provider of any kind.

[@deciduous_99]

Good thought

[@telepotatoe8508]

Isn’t 34 years old too old? I thought the cut off was 29

[@metallifreak100]

@@telepotatoe8508 Army takes enlisted up until at least 39. If you join to be an officer it’s usually a few years higher. I’m not a military person, just what I’ve read.

[@RiverWoods111]

The doctor's wife and Doctor should consider the tundra. They might be surprised by the peacefulness and the pure beauty of the place. Also, people around there will be super happy to have y'all there and welcome you with open arms. They need you there. You might find a super tight community there. These are all in the past, but food for thought if someone else is considering this. Obviously, I grew up the opposite way on the sticks raising and growing all of our own food. We were green before green was a term, as in we composted, and grew organic food, and all that stuff. I go back and forth between wanting to live very rural and living in the city. If I was married I would probably want to go rural, but the city is easier for me to meet people.

[@ezracox9195]

Dave is so patient with the second guy🤣 love it

[@TrinityHostile]

I'm in dental school. I thank God everyday for my full-tuition scholarship cuz I'm just sweating listening to this guys debt amounts 😅

[@DylanJDeals]

I loved Dave before this but gained a lot of respect from him on this one being a father figure

[@sunsetkizz1]

That first caller needs to RUN! I married a German who I sponsored. The bleep hit the fan and I was left holding the bag! Girl, for the love of your life, RUN! Listen to Daddy Dave!

[@billymabum3514]

Why would a German need a green card ?

[@sunsetkizz1]

@@billymabum3514 Fact: B/c it’s my decision how much/little to share Billy.

[@billymabum3514]

@@sunsetkizz1 unlucky 😂

[@vaska1999]

I don't see a German woman wanting to marry an American just to move to the US. Whatever the problem was between you and your ex, that wasn't it.

[@samatkinson4331]

@@sunsetkizz1you posted personal information on a public KZbin comment section and are surprised that someone asked you about it?🤔😂

[@katherineliz1]

Oh my gosh the lady asking if 500k and a 3 year commitment a year is worth the move to get out of debt quicker 😂 moooove !! As someone who has lived that far north, it’s amazing and you’ll be fine 😂

[@nevea.4621]

My suitcases would be ready in a day !

[@cynthiaclark4990]

On top of that, they may actually like it. I have people ask me all the time why I live in a small town in Northeast Tennessee. The Appalachian Trail, lakes, more trails, downtown is a mile and a half away. Almost everything that I need for my daily life is 2 mi away or even closer. Amazon delivers....

[@katella]

Three years goes by in a flash. You could also use the time to accomplish something else like working on your fitness, learning a new language, do some art, improve your education. To experience a new country/ culture is an enrichment and an adventure, so many new things to learn. If you are bored that is your own fault. Even if it is cold.

[@MommaARA]

I know. Some people don't want to live below their means long enough to get rid of debt that is stressing them out anyway. She is so deep in the stress she doesn't see the opportunity as anything other than more discomfort and more work. Meanwhile, the debt is eating her hope for a free future alive.

[@julianamoore4521]

I'd be packing lol

[@doughty_vee7824]

Calling to argue is wild 😂😂😂

[@gagewilson4694]

“Imma call you stupid if you do, straight to your face”😂😂

[@abunchahooey]

The medical student who couldn’t pass boards should go to CRNA school. Find a hospital that will hire Associate Degree nurses, apply for hospital to pay for him to get RN Bachelor’s and then off to CRNA school. I bet a lot of his prior classes will be accepted.

[@juliefranks4265]

And hospital systems will pay off his student loans-or a good chunk. Also, Rural Health Districts a huge need and have awesome opportunities: total tuition reimbursement (Nurse Practitioner or PA - 3 years for him)in exchange for a multi-year contract with the District.

[@saralynndunkerson2509]

This is a hard path for a smart person, he does not qualify for this path.

[@ladycactus110]

The med student’s situation is a scandal-he got swindled by the whole medical scam.

[@ilsevdg1194]

​@@saralynndunkerson2509 He would certainly make a longer journey to where he's supposed to be (let's assume the best: that he falls into place somehow, through new chances along the way), but what is the alternative?

[@VLS1998t]

“If it’s arranged properly” Arranged properly should be a given lol

[@ga6257]

No, actually a way that insurance guy makes a living is if it somehow oops! Isn't arranged quite properly!

[@BrianaBudgets]

I think I would move to “the middle of nowhere” for 3 years if it made me 2.5 million dollars.

[@Coolkem1]

Absolutely no brainer!

[@hollygennaro5874]

I'd live in TENT if I were going to earn a few million! I lived in a tent for two years while deployed for a hell of a lot less! AND had people shooting at us!

[@jorgeevasku4187]

The doctor call was a no brainer. Move to the middle of nowhere where there is nothing to spend your money on and NOBODY AROUND TO TRY AND IMPRESS. Rake the cash in for 20 years, early retirement and walk away with 17Mil MIN.... 😂

[@ivnehaas]

I am screaming that over here lol Are you kidding?

[@Love_cats584]

Yeah but you might be selling your soul. There is a reason for the high pay….those are jobs from *****!

[@nursenellfa]

The first call is mind boggling!!!!!!!!

[@Asian-Hawaiian-Orian]

For that first call, im glad Dave saw right through that and went straight for the 18 red flags rather than answering her insignificant debt questions.

[@cosmomontanaro5759]

$800k living in a cheap rural area? You can basically retire in 10 years if you play your cards right.

[@titolovely8237]

lol more like 4 years

[@yanasto]

How is this even a question??? I cannot believe this lady is so fussy about living somewhere cold for 3 years in exchange for 1.5 MILLION dollars!

[@cv6442]

How is she that ungrateful for an amazing opportunity. I'm disabled and don't even make 2k a month. Makes me so angry!

[@MartineStorm6000]

She is so annoying... Her laugh when he said she should be able to live on 150k dollar a year.... jesus. I legit live on 15.000k a year. Made me feel sick.

[@Camie2030]

@@MartineStorm6000yup. Sounds very entitled and ungrateful.

[@tinachesser8957]

Im surprised Dave didnt ask the first caller if shes sent him any money. If she did, RUN!

[@melodiejonz]

I was wondering the same thing.

[@thomashind4835]

You already know she did

[@IFITAINTBROKEDONTBRAKEIT]

Probably why she 42k in debt

[@Redvesta111]

Scared for the first caller - you can’t even speak each other’s languages ….thats a must first.

[@MagnsATK98]

She literally said she speaks Spanish but not fluently yet. Meanwhile plenty of guys find Asian wives without knowing each other's language at all.

[@DropDatBass]

Desperate people doing desperate things

[@Dreadwolf3155]

she's learning Spanish, cool but is he also learning English?

[@Albert12893]

This man is amazing.uncle Dave is brilliant

[@CassandrashadowcassMorrison]

Hi Rachel! Just want to let you know you and your Dad are loved in Minneapolis I am not now nor have I ever been A Trump Cultist. I am a Moderately liberal Democrat, but I respect you and your Dad to enjoy the shows and learn what I need to from them. Akso a huge shout out to John Deloney!

[@reginastano2527]

Wow. I love Dave Ramsey! He handled this call with poise and class as usual.

[@sheilad6359]

@Dave I love your "5-minute father" advice, you are spot on and I wish you had been around when I was 18-24 yo. I am grateful that you're here for the next generations. I hope they listen.

[@nessapalmer5316]

First caller even knows how crazy it sounds when she says it outloud. 🙃

[@charmmorningstar7530]

I just bought your book, 'Total Money Makeover'. ❤ I bought my 1st house in my mid-20s and in my early 30s now. I still have 18k car debr. I was thinking of getting a rental property-- in fact I was pre- approved already before knowing Dave Ramsey. Im originally from the Philippines and I've been a Md resident for 10 yrs. I was abt to make a bad financial move, and you may just have saved me from making a bad financial decision by getting a second mortgage. Right now I have 120k equity in my current home. I'm excited to receive your book and start reading it. Thank you, Mr. Ramsey for all your financial and life wisdom.❤❤❤

[@jakehuber3612]

I really loved the conversation about term life insurance versus whole life. I was just contemplating if it's worth whole life. Thanks dave, sticking to term life

[@V3012bkind]

Thank you, Dave for schooling that life insurance agent. I do not trust insurance companies at all I learned so much from your show. Thank you for sharing your wisdom.

[@DesertCRJT]

At 34 minutes: Preach! This is the craziest and truest thing I've ever heard!

[@georgiabell3640]

Dave you are spot-on I believe that girl needs to run

[@miryreina925]

Damn you NAILED it with the first caller Ramsey!

[@SniperLogic]

Re: Natalie ---Alaska for 3 years for an extra million and a half. I’d do it. In a New York minute. 😂

[@gimmedatnecro]

for 850,000 a year just from her husbands job. i just don’t understand why it’s even a question. TAKE THE JOB

[@m_n_a_b]

That caller annoyed me. I understand loving where you are from and enjoying city life, but holy buckets... are you so stuck up about city living that you think spending a few years in a rural place is a prison sentence? My goodness. Rural areas are beautiful. And for that kind of money and what it will land you long term, it would be more than worth it. They may even discover they love it enough to want a vacation home there someday. I just wanted to scream, "Go touch some grass!" 🤦‍♀️

[@JS-hu7pv]

For the guy $430K in debt for medical school. He failed step exams, likely step 1. I’m an MD and managed to take on no debt by joining the Army. I’ve advised my own kids to NOT go to medical school. The cost is absolutely ridiculous and taking on that debt with all it takes to make it through is perilous. If the US wants the primary care doctors it needs, we’ll have to subsidize medical education.

[@carlacharles-yee7245]

1st caller, as the mother of a 22 yr old young man, living in the Caribbean, I know my son is not ready to be married yet. Still a boy at heart, still studying and still relatively reliant on us. No way can he take care of a wife or kids as yet because we would be the ones financing his marriage. Its too early for u all to be thinking marriage. Take ur time, dont rush it cause u may regret it.

[@6Jenne6La6Flaca6]

My husband and I got married at age 20. He is Dominican. We've raised 4 kids together. Been together 14 years now. Age isn't a clear indicator of maturity. There are some men who are still immature at age 50, and others who are capable of getting married and raising a family by 15 years old (like several of my husband's cousins in DR and folks in the olden days).

[@pegzpat]

Ok let's call a spades of spades, first caller is being scammed. Period.

[@Brian-vk1hm]

Dave should have asked her better questions. Where did they meet? Who pays for the plane tickets. Why isn’t he learning English?

[@RaayRayJenkins]

You Saved my life and changed my Family tree may god continue to bless you 🙏🏽🙏🏽🙏🏽

[@TrippyWheelsEnduro]

Natalie from New York is a high maintenance woman. Just listening to her talk you can tell she’s not one to give up desires to accomplish a goal.

[@funtechu]

I love that every life insurance salesman that tries to defend whole life always says "if the policy is written correctly" when confronted with an issue. Yeah that's the problem, no one writes them like your ideal case - including you!

[@ASimoneau]

Getting your cash value out of the policy should be the default condition of the policy. The fact that you have to write the policy to reflect that is a major clue that something is hinky.

[@funtechu]

@@ASimoneau What 99% of them are talking about with "writing it correctly" is setting it up so that in the latter part of your life, the cash value is used to purchase paid up additions which increase the death benefit, and to pay the premium. But of course, that's not really getting the cash value out - that's using the cash value to buy even more expensive insurance with a slightly higher face value (because you are older in that period).

[@ASimoneau]

@@funtechuI have no doubt that's true, but this specific broker flatly denied that he was referring to paid up additions when he talked about "writing it correctly."

[@yaronyehudai2117]

I was once in an insurance company class to obtain an insurance agent license the instructor said something about life policy I asked him if I can give this information to the client he says NO if you do the client will not buy it so I asked so I need to lie to the client he said no you don’t lie you just don’t tell them everything. My response was saying Good Bye as I got up and left.

[@billymabum3514]

Exactly , why wouldn’t it be written correctly

[@marlenestemme1599]

The insurance guy switched his argument from first-person account of evidence to appeal to authority when his first attempt to argue with Dave didn’t work. 😂

[@btrinanes]

I love his ranting, it's an eye-opener

[@LibraGirl-1071]

I was so glad to hear Papa Dave do a Papa Dave and tell it how it is. Straight talking is the only way to go in the first case. Love the show

[@erichdelossantos4701]

papa dave makes good sound advice

[@coniccinoc]

I have sincere and significant love and respect for Mr. Ramsey. I would bet banks, whole life insurance and time share companies do not share my opinion.

[@divyanandasaraswati]

First caller: Run and don't look back.

[@SpilkersKompass]

Papa Dave. Lovely and caring man ❤

[@twill7213]

Absolutely love this guy. What a great gift to us all. Thank you Mr Ramsey!

[@francesnordan2915]

Both term insurance and whole life has left me set for life. I was 66 years old and disabled when my husband passed away

[@Playingwithproxies]

Life Insurance tends to work great when the person dies. That doesn’t mean that one of them doesn’t work out in most peoples favor.

[@aidamartinez267]

First caller, “ DON’T DO IT “ you will end up supporting him and his family he might have a wife and children I seen this before they will swoon you until you fall then they take control my advice “ STOP “

[@RichelleW]

I don’t think she’s ever seen 90 day fiancé.