I've Been Stacking Debt And Now I'm In Trouble!

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[@lmrbeerbellyl]

He seemed to be ashamed of being a manager of a Pizza Hut. Very kind of Dave to quickly say "good for you". What a nice guy.

[@economiclifestyleinvesting9884]

Ian Victorine I noticed that as well. There ain’t nothing wrong with that, any work is better than just sitting on a couch complaining to Dave like things will happen miraculously

[@blessed7497]

I sensed that as well. He's making a honest living and he's making more than some people that have a degrees. No need to be ashamed at all.

[@SoHoDon_718]

Yep no shame in making a honest living, 🙌🏽

[@TheThrivingLady]

Exactly. It's unfortunate that we live in a society where people are ashamed of (if this is true in his case) of being hard workers. Where success is measured by a title or credentials. Sure, there's nothing wrong with having aspirations and goals. But, there's also nothing wrong with earning an honest living, either. Glad Dave validated that.

[@themontephone875]

Ian Victorine . Hmmm. He didn’t want to get fired. Yep!

[@charlesyoung9980]

20 years old and making 40 grand is good. Most 20 years olds can't come up with 40 bucks.

[@TutandGaming]

Samn here. I have more work experience than these people people with degrees. I make 49k. In about 6 months, if I get another promotion that I'm working on, I'll be making 65k at age 21.

[@austintomkewitz7206]

Idk where y'all live but I live in pa in the mountains where houses are dirt cheap like 60k-100k

[@cgasucks]

So true. I was making minimum wage working at 711 when I was 20.

[@FiladelfiaStudios]

Yeah I’m 22 and make about 23k and cash flowing my classes with financial aid

[@leadnsteel1428]

@@TutandGaming just dont blow it on a car.... drive a cheap 10 grand or less

[@mrmackey8956]

I can't believe how many people buy BRAND NEW CARS while IN COLLEGE. It blows my mind.

[@edennis8578]

A lot, if not most of those kids have cars paid for by Daddy. Lots of kids' parents give them a car for their high school graduation.

[@ravengale]

Military is worse.

[@youkickedmydog0]

And trust me I’ll never buy a brand new car again.

[@gayle2276]

Yes. There are a lot of really nice low mileage used cars out there. It doesn't matter the age of the car but the mileage.

[@nat-natc.8142]

I wish I got this advice when I was 20.... smh

[@gangatalishis]

better late than never.

[@13Grneyez]

Nat-Nat C. Me too.

[@gangatalishis]

@@Trailblazers323 what were you doing making 60k at age 20?

[@felixaggreh5010]

Hey beautiful

[@TheMAMAB123]

Vanessa yes, we need to know what job you had, that’s amazing!

[@fpl_bailey]

This guy is doing very well. Well done man, in debt but future is bright

[@ChrisInvests]

I'm surprised he can't cash flow most of the schooling with a "roommate" and an income much higher than most college students 🤷‍♂️

[@QueenStylin]

Chris Invests - Personal Finance Videos they are probably eating out a lot and may have been paying some of his girlfriends bills if she is short one month. As well as probably has just given her money to get hair, nails, makeup etc. Not realizing how much is actually going out.

[@ligerllama]

Chris Invests - Personal Finance Videos His “roommate” is a liability in his financial situation.

[@jtla370]

The roommate is paying her bills from her back, that’s why

[@jvolstad]

Four terms a year? Sounds like a for-profit school.

[@timmydevil999]

Men student debt is non transferable marriage or not. Do not let these women trick you into paying their student loans off.

[@NickPeitsch]

Going for a degree in software development? He is clearly a smart guy and will make enough to cover all of his debt in no time! Just needs direction on his finances.

[@JK20239]

40k as manager at pizza hut. With only a high school diploma? Why bother with college?

[@hunter7081]

Josh 40k until he retires at age 65 is 1.8m. (45 years) versus...let’s assume he graduates by 23 and starts his career at 25, he’s 20 now. That’s 40 years of work being a software developer making around 125k/year which is about 5m. 3.2m more over his lifetime that could double or even triple if invested correctly. Why not dream big, more money means more “time” in the end

[@pkal244]

Lots of reasons- So he doesn't have to work nights, weekends, and holidays. Seamless upward mobility to make six figures and beyond, managing a team of developers will pay much more than managing pizza huts. And lastly because software development teaches you a universal language that allows you to work remotely anywhere in the world. *Speaking as a software engineer that used to deliver pizzas (among other jobs) to put me through college

[@ligerllama]

Josh Software developers potentially make 6 figures.

[@agjios]

As an entry level software engineer, he's making $85k, with a ceiling well into the mid 6 figures. Not even talking about stock options, self employment through consulting, hitting it big with a startup, etc.

[@debbie7771]

Seriously? Because he’ll probably be able to make 3 times that’s in a few years. He’s sounds like a smart ambitious young man with lots more to offer. Why settle?

[@philfortner1805]

I love ya Dave but this Software Developer can tell you 150k salary is Development Manager cash, not anything near new grads.

[@johnnastrom9400]

This guy needs to dump his girlfriend and dump her quickly. She is nothing but a drag on him while he needs to focus on building his life. When will men stop letting their girlfriends talk them into living with them?

[@donotresuscitatechannel7257]

I agree. His girlfriend has already convinced him that their debts are combined.

[@agjios]

You have no idea that that is true. Their debt is even. It could be just as likely that he is dragging her down, as it is that she is dragging him down. This comment says more about where your mind goes, than it gives him any kind of meaningful advice. When will women stop letting their boyfriends talk them into living with them, too?!

[@marywebb9127]

@@agjios He actually called so he wants help. Her well..... Maybe she will change also.

[@V.Hansen.]

Lol. Yeah, right. Its always the girlfriend? Sure.

[@DanteDAmato-hh2ze]

Look at Dave's calculator. It's an old HP. You can tell from the landscape profile.

[@aaronalquiza9680]

Software developer with managerial experience. He's probably in a great place now.

[@Superbl0bby]

I fell asleep listening to Dave Ramsey and I woke up to this. So long story short I had a dream of finding my car in the parking lot of a Home Depot while Dave Ramsey omnisciently tells this man how to make his way through college

[@KnockoutInvesting]

At least he is 20 and can turn his life around.

[@spencjon4822]

As someone who got a computer science degree with about $100k in debt, I’m glad he found this early.. he’ll be able to pay off whatever loans he has, but the stress and setback debt gives is rough.

[@jayritchie6596]

If hes working full time and studying a proper load he shouldnt have time to spend a lot of money.

[@drmpilot365]

Unless he's spending money on Amazon and can shop from home. lol

[@jvolstad]

Doesn't Pizza Hut offer tuition reimbursement?

[@MattSmith-vr4sr]

I think he will win in life. Its 4 years later. I hope he has his degree

[@Nathan-sq4rq]

Had friends over yesterday, they seemed proud to buy a used car outright at $4000. Me: "Dave Ramsey?" Them: "Dave Ramsey ☺️"

[@edgehodl4832]

Dave gave great afvice!!!

[@gsmith5140]

Get it right b4 that surprise kid comes along. 😱

[@davek9648]

I am a computer engineer and Dave is right! He knows what he is talking about.

[@psychedelicdaemon4914]

I managed pizza huts money like a boss I am, i figured it out at 23 why cant I manage my money the same way I do theirs then I found ramsey

[@southerncali88]

:30 we don’t have a combined total because we aren’t married 💯 😂tell ‘em dave!

[@Kysen10]

Software is definitely where the money is, I tripled my income in a few years.

[@Jaydenricardo590]

Why is it so hard for people to give a straight answer “is it a two year course or a four year ?” “We’ll as a child I was always interested in.....” 🤣🤣🤣

[@andream4989]

He can definitely make 40K in entry level. I made that at the helpdesk

[@Matt-gf4gd]

"Dave to pay off my debt should I sell my..." Dave: "yes"

[@zabuza-p2k]

hes gunna be a fullstack dev making 160 a year, im not sure he realizes that and hes working full time

[@alexanderbreschi90]

Seems like he’s doing fine like he is even with the loans, it’s a cheap school. The car is the only thing even if it is less than half is income. I would just keep everything as is, just graduate as quickly as possible

[@WISHBONEL7]

He probably should NOT be dealing with any women anytime soon , because it is just a matter of time before he gets one of them pregnant .

[@God.Almighty]

"if you pay 10k of her student loans and she decided to run off with your best friend, she just took your money." ... still cheaper than a wife.

[@jennym007]

I thought Dave might give him FPU...?

[@rogerarvizu5558]

Wow he's 20 and he makes 40k? I couldn't live like that.

[@chulasexychica11]

My husband nd i started as "roommates" nd we both had episodes of unemployment where we supported each other nd never did we see ourselfs just as "roommates". I guess if you both tlk and work together i know debt free nd marriage can be possible even if you dont start that way.

[@NoDebtButLove]

Be proud of your job Nick. Not everyone is cut out for management.

[@cattsmahal1005]

No Debt But Love -YES! Everyone is so caught up on what people think. You gotta a great paying job and you live in a Great Country. Own it pal.

[@GardenerEarthGuy]

Dave couldn't tell him to deliver pizza this time!

[@eltuco5103]

Hahahahahaha

[@jcrowley1985]

He manages the delivery boys

[@lmgam]

Gardener Earth Guy 😂

[@nyaneece]

LOL!

[@fsmoura]

_Dave, you gotta help me, I'm stacking debt, need more money, what do I do??_ _Ok, you need to do more, you need a side hustle. What do you work on?_ _I deliver pizzas._ . . . *_*impotent rage*_* ლ(ಠ益ಠლ)

[@rossedwardmiller]

Guy's gonna be fine. Can y'all imagine if you were this financially aware at age 20?

[@lovethemflowers]

@ Ross Miller - In the words of Cher: “If I could turn back ti-ime . . .”

[@KMartha22]

@@lovethemflowers yeap exactly

[@CarolynP376]

Yeah, I'd have a lot more money saved.I regret all of the useless junk I purchased in my 20s.

[@beckamayfield9912]

So financially aware he bought a 20,000 car while he's in college.

[@rossedwardmiller]

@@beckamayfield9912 and smart enough to realize he needed to call Dave for help

[@TWDxKILL3R]

When I was 20 I would kill to make $40,000 a year. All I remember from my 20’s is getting into my 30’s with no money

[@2legit2Kwit]

TWDxKILL3R haha!

[@mblake0420]

Better than me, me and my wife made 22k with a 2 kids until I was 26

[@JuniFFXIVChannel]

@@mblake0420 We all have to start somewhere. Good on you moving forward towards a better future for you and your family!

[@mblake0420]

@@JuniFFXIVChannel delivering pizzas to million dollar loads

[@rudistorm3348]

Im guessing 40k now is like 65k in 1999.

[@msch3891]

🤣🤣😭"We don't have a combined total because we aren't married. Now how much do you have?" I knew that was coming🤣🤣

[@marywebb9127]

He would be an idiot if he is paying off her debt too!

[@vermouthsavage4750]

But then turned around and asked him how much do yall owe on the car lol if they have that car together then they have combined debt haha.

[@leadnsteel1428]

well its true so pay partners bills unless youre married

[@riverdaletales8457]

I had a friend who’s parents weren’t married but lived together and combined their incomes .

[@denirobernard9745]

The legal perspective of marriage is the reason that I don't want to bother with marriage. I'll pay my girlfriend's bills and deal with it if she decides to run off. I'm not going to deal with that same madness while married then needing to pay an attorney and court fees

[@ALXSSA]

I wanna know how he became a general manager at Pizza Hut at 20???? That's an accomplishment.

[@kimjong-un5562]

Simple , he can make pizzas perfectly Everytime like he's feeding his own family. Basically if everyone called out besides the delivery drivers , he could easily run the store no problem . ( He picks up the slack everywhere )

[@kateg9437]

Probably worked there from 16, and just gave his all. In school I had a friend who started McDonalds shift manager training before he was even 18, so he got the promotion as soon as he turned 18.

[@miguelcruz2932]

Not as hard as it may seem actually 😅 was given the opportunity at 19 but I passed on it 🤧

[@benb7727]

As a 20 year old I was making $36k and bought a $31k truck. Dang I was dumb.

[@JuniFFXIVChannel]

Sometimes we have to pay the stupid tax before we realize our mistakes. At least now you are wiser. :)

[@kimjong-un5562]

@@Trailblazers323 the dealer usely offer a smaller loan for a different car because they know it's stupid . And dumb kid still sign the big loan reguardless

[@majordudette]

Ben B You’re “normal” - sadly.

[@benb7727]

G. Dub Was normal. That was 20 years ago.

[@vitiligogirl1037]

😂😂 Me too!!

[@AnnMitt]

Dude's girlfriend needs to listen to this video clip also.

[@fanoftoast]

I hope she is smart enough to listen to what he says!!

[@MrFuchew]

it's dave's unicorn pizza man paying his way through school. he can barely contain his excitement!

[@mrfred1000]

"average Pizza Delivery Driver salary in the United States is $20,936 as of December 26, 2019, but the salary range typically falls between $18,937 and $24,190." Dave always says deliver pizza on the side and make an extra $1000 (Which does not incude TIPS) You said "Unicorn Pizza man" So I'm going to assume you meant it's a rarity to have a pizza delivery person make an extra $1000 a month doing that job hence "Unicorn" Also I'd like to point out, the caller is NOT a delivery man, he's a General Manager so his salary is around double a delivery man not counting bonuses. So let's see if an extra $1000 like Dave says is common or uncommon as you believe. Lowest annual: $18,937 which is ($1578.08 monthly) Highest annual: $24,190 which is ($2015.83 monthly) Already you can see it's a fail position, you've already hit $1000 monthly even after tax at the lowest or highest average which means it's common to make $1000 like Dave says. Anyone not making $1000 must be working less than around 28 hrs and if that's the case, for THOSE people they can't hit $1000 without tips, but they are usually still make $700-$800 if they are part time. If they are full time, they hit $1000. It's simple math, Part time 20 hrs of work per week equals 80 hours and if you make $13 an hour that's $1,040 a month before tax so still with just 20 hours of work at $13 an hour you still almost make a $1040 after tax and most drivers are not doing 20 hours only and they make more than $13 as a driver. I used low numbers on purpose. What's unicorn about this? Stop repeating what you hear and assume and do hard numbers for facts. Even if you made $10 an hour, if you work 40 hours a week you make $1600 a month before tax. All you people do is keep your brain stuck in the same mindset that people have when we got the debt minus the ideas about the debt after watching Dave Ramsey which will also hold you back.

[@bimbop7693]

@@mrfred1000 Why did you feel the need to write all of this condescending bs on someones joke? Go outside.

[@jubrannassar2387]

I thought this was funny, it was just a joke. This 20 year old will be fine.

[@shannonzittlow8462]

Dave See see people there’s money to be made in pizza 🚙 🍕🍕🍕

[@akui88]

dude makes 40K a year at 20. and he lives in Mississippi, one of the lowest cost of living states in America!

[@timmydevil999]

akui88 he’s probably not seeing $15k of it with Mississippi’s taxes.

[@akui88]

@@timmydevil999 your math is wrong, it would be 1,593$, not 15K if you include federal and FICA, it would be around 9K in taxes total. take home would be around 31K.

[@ilovelucyb7173]

timmydevil999 Mississippi taxes are not really bad.

[@seanfay279]

@NurturingTalents he's not an owner.

[@kaseycentanni753]

Pizza Hut is paying 40 grand a year ??? Let me put in an application

[@JK20239]

@@Trailblazers323 he doesnt have a college degree. Hes is in school. So hes banking 40k with just high school or associates

[@journey2zee]

K Centanni yes a general manger. Not a dough boy/delivery girl.

[@suttsd]

@@Thatperson2-u7u tea masters but do you have a lsw as well?

[@suttsd]

@@Thatperson2-u7u that seems a bit low..maybe try another company..I would think atleast 50 with lsw

[@suttsd]

@@Thatperson2-u7u I would probably move and apply at another company.

[@dronetrucker]

Never play house, I like how Dave cracks the whip on this topic.

[@Norm475]

Nothing wrong with playing house, you just don't let the other person live off of you for a piece of tail once in a while.

[@alexg8460]

Its crazy i know some one who on facebook constantly posting pics of their vacation in europe constantly and new cars. My wife says we need to go on vacation look at everyone enjoying life were getting old (we are 36🤨) and who wants to go on vacation when were old. I say lets pay off everything we owe we should be debt free by march next year. Then i spoke to the couple a a birthday party and after couple drinks and turns out they are drowing in debt and paying minimums on everything and ruined their credit and maxed out everything. So next day i tell my wife , she has this look on her face like "oh wow🙄". Dont believe everything you see on face book.... P.S i know this has nothing to do with the video just throwing it out there lol

[@LOGOS_Official]

So true. Thankfully my wife has opened her eyes to it as well. Now we’re on the road to ACTUALLY being rich and going on vacations without going into debt.

[@fsmoura]

That's why you don't let the wife decide or have a say in those things. It's just inviting trouble later on.

[@edennis8578]

Also, many people have sources of income that aren't readily apparent. Example: where I live, a lot of people have trust funds. They may not be huge trust funds, but it allows them freedom that other people don't have. They can drive better cars, buy a nicer house, and go on trips that you wouldn't think they could afford from what they do for a living. I also know people who get huge cash gifts from their well-off parents for Christmas and birthdays. I didn't understand this until a friend showed me the check for $50,000 that her in-laws gave her husband for Christmas. I have other friends whose rich parents give them huge amounts of money. They have new cars, go on trips all the time, eat out all the time at very expensive restaurants, all on $60k income a year, wink, wink. Then one day the husband told me what the deal was with his parents being rich (I didn't know).

[@zacbabcock4223]

Fakebook

[@kdoc19961]

I agree with you about getting out of debt but as soon as you can I would recommend that you travel. I am 49 years old and unfortunately many of my friends have started having health problems that limit their ability to travel. My nephew in law had a massive heart attack and died in May without warning. I believe in being debt free but I also put something away to use as a travel acoount. We are going to Italy with the kids next year but I am not going into debt. Congratulations on accomplishing your goal of being debt free but don't completely brush off your wife's desire to travel.

[@cashboy7406]

Keep working hard, Nick! 40k is good

[@tjandcj123]

Sounds like Dave wanted so bad to tell him to drop the girlfriend because he sounded like he is paying her bills too.

[@economiclifestyleinvesting9884]

The young man is doing a good job with making 40k in a year for 20 years old. He just made some bad decisions which a lot of us do when we are young but he sounds like a bright young man just needed a little guidance in right direction 👍

[@choreomaniac]

Yes. He’s actually not doing too bad. He just needs a hoopty.

[@PInk77W1]

Dave’s a National Treasure

[@JOHNCENAisDOMO]

Nick: “We make a total of $47,800.” Dave: “There’s no ‘we’. How much do you make?” Nick: “$40,000” So all of it, dude. She’s not helping

[@fsmoura]

She'll help herself after he pays her debt. **wink**

[@zachnunya8749]

No 47,800 was their combined debt homie

[@suttsd]

No that wasnt income...he was saying the total debt they owed combined

[@ravengale]

If they live together it’s WE. I don’t know why Dave is so condescending sometimes.

[@mikejackson7881]

@@ravengale agreed some couples work well and can handle this before marriage and others can not....🤷‍♂️

[@trblessed1020]

Mr. Ramsey I love that you always gives a young person props when they hold down a job no matter what the job. You can tell he was kind embarrassed to say his job but you were like good job good for you!!

[@onebridge7231]

I hate our school systems. Guy wants to be a software developer, but can’t take coding courses for another year because he has to take English, Social courses etc. Stop the well rounded excuse and let people graduate quicker by dumping the useless courses.

[@digiwatt]

They don’t have to, pre req, just ignore the advisor

[@janebaker4912]

I'm glad he pulled him up on the "not married" thing. There are playing as married, but with no commitment. I'm gen y but being married was important to me. Yes all I got was "just a piece of paper" but it's important

[@xcal8140]

20 years old and a GM at a pizza hut. This kid will be going places, he will be fine.

[@sunset6010]

Looks like his VEHICLE is eating his EDUCATION $

[@TheRadicalReseller]

I bet the girlfriend does not like Dave after this call!

[@marywebb9127]

She is probably high maintenance 😂

[@JP-pl9mv]

The Radical Reseller wait til she stops taking the pill

[@MrJay197409]

If your manager or general manager at Pizza gut aka hut see if they have any college assistance programs.

[@codeman99-dev]

Worth asking, but I would doubt it would be worth much time. Getting a college assistance program generally means you owe the company future time. Additionally, it would depend highly on the region and/or franchise owner he is working for. He is not employed by YUM! brands.

[@F_And]

*you're

[@clarifyingquestions]

Unlike all the usual commenters, Dave does not compare him to the average 20 year old, but speaks to his potential. Once again Dave is Dad !

[@DrDizzle1990]

He makes 40k, has a roommate, has a $350 monthly car payment, but cant afford school? There's something missing.

[@GardenerEarthGuy]

The chick is burning through his stack and he's not wise enough to see.

[@ZIPPERG00CH]

He's 20. He goes out and goes shopping.

[@luminous6969]

Yeah she's using him as a utility in exchange for P-sleeve access.

[@Exxon300]

Luminous Yes, via Coach Adams lol

[@GardenerEarthGuy]

@@luminous6969 We can only hope that he reads this and wakes up to the damage she's doing to his wallet. Ms. Pac Man is doing the woka woka woka on his earnings....

[@tinateews9494]

What a smart 20 year old. I was making a lot of financial mistakes at his age. Way to go Nick, you're a future millionaire.

[@angelica437]

I make 35k and I have a bachelors degree. Brb gonna go start working at Pizza Hut.

[@JK20239]

Right. I have a degree and make 10 dollars an hour...lol

[@dmitriyr4095]

What did y’all study?

[@geraldtone5914]

@@dmitriyr4095 the real question.

[@oneeyedman99]

If he gets rid of the car and has no social life, he probably won't have the girlfriend either.

[@aguyandhiscomputer]

Sounds like a win-win.

[@JessicaHicks]

Wow. He’s doing great st 20 years old and in college. I wish I had learned of Dave Ramsey when I was 20. Life would have been a lot different!

[@rcarlson8203]

As a software engineer for 15 years with only a HS diploma I can speak to the fact that you do not need a 4 year degree writing software. We don't even have education as a requirement any more when hiring. We care about what people can do, not what they have learned.

[@SiCVoltage]

I am so glad of that.

[@thisguymartin]

The market is flooded now and that is a huge issue

[@respectkev5136]

Thats exactly where I am at, 38 and hating the 20 tear old version of me

[@yamamancha]

He's somehow thinking that he's responsible for her debt and you could tell from his reaction that she's not paying half the bills. It's basically a transaction. Physical relationship in exchange for room & board and she's hoping she'll get him to pay off her student loans on a rolling basis.

[@themontephone875]

yamamancha . Hmmmm he’s desperate and can’t figure it out. He realized he needed professional guidance. Yep!

[@yamamancha]

@@themontephone875 Yeah, you can visualize his though process. "Maybe I shouldn't have bought this car..." Finds Dave, reads comments "Maybe there's something wrong with this relationship...." Bet he sells the car and proposes to his girlfriend... that she start paying half the bills. And he'll find himself free of both very soon...

[@luminous6969]

I'd love to know how many men get their girlfriends to pay off their debt as opposed to the other way around. For every one guy that does it, how many women do you think do it?

[@yamamancha]

@@luminous6969 Not common, I'd imagine. And when it does occur, society usually labels them lazy pigs or worse.

[@yamamancha]

@Barbara Ann Touché. Fair point indeed but a 20yo kid shouldn't be paying for his GFs room, board, and college loans. If she needs a man to do all that, what the heck is she going to college for? She should have just gotten married out of high school. And this kid is trying to "do right" in his mind but they're not married. What happens when she graduates, decides to move 2000 miles away saying, "thanks for the memories"? He's trying too hard to be mature beyond his age, experience, or ability but it's a setup for failure.

[@2legit2Kwit]

Car payments are the problem. Get rid of all debt, cash flow college... I did all that in the 1990’s-2000’s.... the payoffs are incredible.

[@liberator9248]

I used to be a dishwasher for a small restaurant….after they gave me one dollar rise and name me Dishwasher manager.I was so happy.even thought I was the only dishwasher.

[@scaldon2]

There is no we . Only marriage makes you we . People need to get that in their thick head .

[@QueenStylin]

He did stress that from a legal standpoint. And this guy did call into a Christian based financial show. Not sure if the young man knew it or what. Everyone has their beliefs.

[@johnnastrom9400]

@Josh S Oh.... look at little boy Josh, throwing a temper tantrum. It has nothing to do with the religious angle, you F---ing idiot. It has do with legal obligations.

[@texan903]

The girl makes him pay the lion's share of the bills.

[@marywebb9127]

@Josh S A little triggered aren't we?

[@Omonike88]

@Josh S I am no Christian, but I believe if you are not married you don't need to be paying for someone else's bills! marriage is a contract!

[@rickwalker5203]

We have $48k in debt, drop the roommate and $20k is taken care of! Then you have a future! Roommate can return when she’s debt free and you want to commit!

[@marywebb9127]

👍

[@mikejackson7881]

😆🤦‍♂️

[@LGnLA]

AND, when he "drops the roommate" he can get out of her apartment and find his own place to rent and man up & stop "playing house." 💯💯💯💯

[@DavidIstre]

So glad he called Dave Ramsey. If he will do this, he will legitimately avoid the heartaches that he's headed for right now.

[@nowthatsurban]

Honestly, once you take the crazy car loan out of the equation, this kid is crushing it! Sounds like he has a good head on his shoulders.

[@themontephone875]

Encouraging. Calling in for guidance. Great job. Recognize it’s emotional decision making.

[@andreakumar2984]

Girlfriend is going to find herself short a roommate and possibly a boyfriend in a couple days.

[@kevinb8881]

He should be able to get rid of his student loan debt without having any issues!!

[@JK20239]

Not sure how 40k cannot pay of an 18k car note.

[@cynthiagraham4046]

What’s his rent/mortgage? Did I miss that part?

[@DanielIles]

This man is doing good. Anyone that thinks different probably didn't have to work hard in their 20s

[@fsmoura]

4:05 lol if it was your wife she'd do the same, ask and get a divorce (you can't stop her), get half your stuff and run away with your friend the same way

[@Natalia-oj6mm]

So glad he called early on in life. He will make a lot of money in the software industry. Don’t give up kid. U on the right path just by discovering Ramsey

[@T12J7]

How can someone study software engineering and have a full time job at the same time? I study software engineering in a University and I have zero free time, not even at the weekends. I do school work all the time.

[@FortuneSeek3rz]

He is still in the pre-requisite phase of his education. When the software classes start things are going to get dicey.

[@sniping12]

with uber being a thing there is no reason for a college student to have a car because it will probably just sit during the week if you are at a large college...need to go somewhere? call uber and go for less than $20...$100 a month for uber or $380 + insurance and gas for a car...

[@AN-tp4rs]

Did it not occur to you that some people commute? Living on campus is actually a horrible financial decision if you can avoid it.

[@sniping12]

@@Trailblazers323 that is true, i forgot about that, my sister had a free bus shuttle everyday to and back from school

[@sniping12]

@ people like to make excuses for why they can't do stuff, if you really put your mind to it and try hard enough you can survive without a vehicle, i have a coworker that hasn't drove in over 5 years because he figured out it was cheaper to live the way he lives...it's all about what you are willing to sacrifice to get there

[@aubreysellssofl]

He’s doing amazing! Once he corrects the few things he’s immediately on the fast track! Good job!

[@jimhanson9248]

I sure as heck was not this focused at 20. Good luck.

[@JessSJ2DC]

I’m the 37 yo version of me that hates the 27 yo version of me.

[@jeanp.5929]

It happens. As long as you're catching your behaviors and learning or getting help (if it's available), then you should be fine.

[@dougg4633]

How will the 47 year old version feel?

[@ruthchelimo6751]

I'm with Dave on this one. Treat the girlfriend like a roommate. Split the bills. You're on the right track. 40k a year at 20 is pretty impressive. If your girlfriend can't hold her own, drop her because she's dead weight.

[@Exxon300]

and he works at Pizza 🍕 Hut, so he doesn’t have to worry about food. I would eat pizza everyday and night and morning lol

[@lovethemflowers]

Bring back the Barbecue Pan Pizza! Man, that was SO good!

[@codeman99-dev]

"I would eat pizza everyday and night..." Obviously, you've never done this. It becomes tiresome. Also, the amount of grease is tremendous. Signed, Previous delivery driver and husband to a current driver.

[@TheNightquaker]

Good luck with paying off your medical bills after eating that much pizza.

[@chrisatwood9715]

Did he say he was making 40k as a 20 year old

[@turbolabamerica]

You won’t see the inside of a restaurant unless you work there.

[@kzamora2548]

"We don't have a combined total cause we aren't married!" - Dave Ramsey A lot of people really do shack up and want to play married. On the flip side of that there are a lot of single people in married situations as well. The "I" do this and that when it's suppose to be we should be focusing on this and that.

[@OmoiSenpai]

The financial way of saying " it ain't nun to cut that bi*ch off"

[@realfaithlife2104]

0:33 “we don’t have a combined total...’we’ aren’t married.” 😂😂😂

[@titan3063]

*How bad is $7000 dollars in savings for a 20 year old?*

[@carlosgutierrez2789]

Exactly

[@ariefraiser140]

Not freaking bad at all.

[@fsmoura]

It's not even bad compared to the average American. But then again, you don't want to be average.

[@ariefraiser140]

@@fsmoura $7000 in savings is WELL above average for a 20 year old.

[@WeaponX-mk6lo]

Problem is this kid needs to listen more then talk. He likes to hear himself talk. Very simple question"2 or 4 year degree" *Proceeds with a monologue about nothing*

[@mikesawyer4707]

If you are not planning on marrage, go your own way. Focus on your life, education and life goals, going forward. Sell that car do it today. You can always get a "room mate"

[@annwilliams6438]

If you go down to a rice and beans lifestyle and your girlfriend pays her way - and she stays with you, then you have a 'keeper'. Marry her. If she disappears in short order, then have a good cry and get on with your life - she wasn't the woman for you anyway. And if she even helps you out, then she is gold and you look after her well for the rest of your lives. Good luck with your studies.

[@gp3012]

Dude, you're in good shape..BUT! Sell your car and do not move in with a "roommate" unless your "roommate" is paying at least half of rent and utilities.