My Girlfriend Is Bringing A $350,000 Student Loan Debt Into Our Marriage!

[@TheRamseyShow]

Nix the guesswork and scrolling. We’ll connect you with investment pros we trust: bit.ly/3hc6Pgt

[@JesusisLordgh8j]

MY ADVISE IS GET A NEW GIRLFRIEND!!!!!!!!!!!!!!!!!!!!1 stress stress....

[@TheSinglisa]

Why didn't these two tell the caller to WAIT a couple of years to see if his girlfriend was serious about working hard? She should be able to pay off $100K in a year. (In fact, Dave never tells people to wait / pause a couple of years on getting married and I've always wondered why.)

[@JS-zi7yr]

We held off on getting married until both of our debt was paid off. Paid cash for the wedding. Started off marriage debt free with our emergency fund in place. Best decision we made.

[@ariahlea]

Love this!

[@jmax6614]

This is what I would do if I was the caller, if she's really focused on getting out of debt

[@coniccinoc]

A canoe works better when both riders are paddling in the same direction.

[@ufchighlights1]

Now that’s how y’all stay together.

[@y.peffle2802]

If people followed this advice some would never get married. You don't need to have a wedding to get married if the hold up was you wanted to pay cash for the wedding

[@merhabaworld5924]

As a female, I would not marry her with that much debt. He's in a good position to walk away or just hold off the wedding. No way. This is very much an early sign to be careful.

[@DougAlesUSA]

As a male, I’d start with a test. Caller, if you are reading this, do you have a garden hose? Oh, and a golf ball?

[@gbb82]

The fact that another female downvotes this is enough for me run.

[@exvan3571]

Doug Ales wins the internet.

[@unpopularopinion149]

@@DougAlesUSA and if she won’t do it out of love and pure attraction then it’s still not worth it brother. That’s still a simp move.

[@NoName-ip4si]

He should make her pay all of it.

[@theconglomerate832]

I'd hate to have worked that hard, saved up a nice little cushion, and end up throwing it all at such a large debt that isn't mine. Sheesh!

[@Q.b.9378]

If you get married, that is your debt.

[@theconglomerate832]

@@Q.b.9378 I'm an advocate for combined finances in marriage, debt included. Doesn't change my sentiment, though! It is a daunting task!

[@trancendental5373]

She would have to be a 10

[@DextahPC]

@@trancendental5373 The fact that she was capable of going that far into debt wouldn't make her a 10 to me.

[@uhtredsonofuhtred9440]

Military guys always mess up in this fashion . I seen it over and over again !

[@LimitlessLovely]

I’m a female and my message to this caller is please do not marry her until she has paid off at least half of that debt by herself. I paid off my own student debt and it really made me appreciate how hard you have to work to pay off debt.

[@marywebb9127]

💯

[@thelookout5802]

I was of the same opinion. Let him observe how she pays off part of the debt first. He seems like a nice guy, responsible, and she knows it. Let her show commitment..

[@ehiggins7476]

Half ? How about all of it?

[@xiomaragomez6649]

@@thelookout5802 correct. She needs to show him she's committed to make their family successful.

[@chipm2544]

Wait till she gets pregnant. You know what is going to happen then.

[@bffoxjr]

My wife has an inferiority complex from never having gone to college. But she overlooked the shining fact that she's completely free of the indentured servitude of student loans.

[@TheRealEdStoner]

College is one of the biggest scams in this country except for the 30% of jobs that actually need degrees.

[@bffoxjr]

@@TheRealEdStoner mostly STEM, business, and law. You can even omit some tech jobs.

[@Daniel-mq3nf]

Run bro

[@JohnDoe-gy5dr]

@@bffoxjr You can omit *some* tech jobs but its a bit of a myth that high paying tech jobs will hire without a degree. it happens more than in most fields im sure but unless you are a wizard id recommend going to school for math or computer science.

[@jamiehelms9896]

Best thing that could happen to her, many of us regret school!

[@jordanwilliams1546]

This man is LITERALLY walking into a burning 🔥 building smiling

[@erikkacherry4537]

😂😂😂

[@2atexan986]

No he is “literally” not.

[@chrissy1448]

No he’s not.. if she hunkers down this will go away in 3-5 years…

[@oregonflatland]

Simp hall of fame is calling his name!

[@joesillamanrs7189]

Could be lucrative if they pay it off early.

[@sgg17003]

"When poverty walks through the door, love flies out the window." - My Nana, circa 1995

[@melanieb2132]

"Marry for money not for love, because when the lovin's all gone, the money's still there." Step grandpa to my mom circa 1979 She didnt take his advice. 😆

[@MartinLabuschin]

Your nana was anti-poor?

[@ErwinSchrodinger64]

@@MartinLabuschin how could you come to that conclusion?

[@MartinLabuschin]

@@ErwinSchrodinger64 I read the comment.

[@Ep1cRainbow]

@@MartinLabuschin stop being offended

[@rolandoflores2806]

Finally Dave told the man to run if she’s not gonna pay it

[@vincetaylor3948]

Dave is kinda of a simp sometimes

[@bobbyb7672]

Yeah finally! He usually tell men and women different things in these cases...

[@djpuplex]

Female customers won't like that.

[@richthepup]

Cause he understands the magnitude of that debt. If it was 150k he would have told him to power thur it without hesitation

[@jerrydixon3862]

@@richthepup yeah o_o that’s a freaking mortgage but super high interest

[@ChosenDeeDee]

He seems like a very great man. If I were him though, I wouldn’t marry her until I actually see her roll up her sleeves and work like a maniac to work on paying the debt off.

[@cashkitty3472]

Exactly this

[@Kp-cb8pq]

🙌🏽🙌🏽👏🏽

[@jmr9735]

But she's fantastic, didn't you hear him? haha I'm joking. For real, though - that marriage counseling also better discuss what happens when the talk of babies comes along, and they're sitting there with this mountain of debt. I can see it now - she starts popping out kids, and suddenly she...the one with the debt, wants to stay home with the kids.

[@Abmarp]

Yep

[@worthlessnbreathin8005]

i love your hair. 😍

[@yeislyntorres5304]

DO NOT MARRY HER. TRUST ME, AS SOON AS SHE IS PREGNANT SHE IS GOING TO THROW THE "I WANT TO BE A STAY AT HOME" BS INTO THE EQUATION AND YOU WILL HAVE TO PAY FOR ALL HER DEBT. YES I AM SCREAMING AT YOU. SAVE YOURSELF SOME TROUBLE

[@henri6595]

I know a girl who did the same thing with 70-100K debt for her Masters. Worked 2-years~, married, and now planning to stay at home with her 1st kid.

[@drcatrinaking]

Women who get into and get through vet school generally don't have this mindset. They've worked hard all their lives, and having kids never seems to stop them. I know 100s of vets who are wives and mothers - none of them are just stay-at-home moms.

[@thehylander266]

@@drcatrinaking Not true. There is a doctor shortage in much of the country because female doctors never go back to being doctors after they have kids and decide to be moms instead or go back way later to being a doctor. And bing a Vet isn’t a massive difference as being a MD insofar as weird ethic is concerned. Not always the case that because you’re a doctor you won’t do that.

[@drcatrinaking]

@@thehylander266 You literally just made that up. What evidence do you have to support your assertion?

[@joshitheyoshi2533]

@@drcatrinaking Most of my family is in medicine and I've seen it first-hand. Even according to the AAMC, 40% of women physicians go part-time or leave medicine altogether within six years of completing their residencies, based on a University of Michigan study.

[@GLJ2414]

350k=no marriage

[@devinhawkins249]

😂😂😂

[@jeorgedavid3239]

Exactly

[@eckankar7756]

Continue dating a few more years and see how she handles the mess she's in. If they marry and work like dogs they won't see each other much anyway. Put marriage off.

[@tjmcavoy-jensen871]

@@jeorgedavid3239 I won’t be getting married anyway even if someone had $0 debt, it’s a bad deal for men in this day in age

[@Rob10288]

👍👍👍

[@georgemendez6760]

Imagine her rolling up her sleeves and divorcing him after its been paid off

[@nightfangs2910]

Wouldn't be the first time I have seen it

[@Sam-dc9bg]

That is the big risk. Would she really be looking at this guy if she was debt free? Often the answer is no.

[@stewbugz5213]

I know girls who did that in the medical field. The caller needs to wait to get married!

[@yourgooglemeister6745]

Imagine? That is SOP!

[@Primitive_Code]

That's disgusting. I hope there's a god in that instance.

[@TheIdontcarewhat]

This guy is a savings rockstar. He is going to get crushed by this other persons debt. I hope he runs away!

[@ericprieto4348]

u cant fix beta

[@hermanhenderson966]

He’s simpin hard

[@nsp31a]

This guy needs to get red pilled quick and call off the wedding.

[@kaiserpuppydog7174]

He could find out if this woman loves him by simply saying he won't marry her until she pays off her debt. But he sounds like a lovesick puppy who doesn't want to know the truth.

[@knowthyself8233]

The 🐱 is to good he won't run away 🤣

[@TeenaNikole]

Never cared to marry a rich guy, but made sure my husband had no debt before we got engaged. Love should be priceless, but your marriage won’t be that great if you’re 350K in the hole and struggling to pay it off. Even if there’s a solid plan in place to pay it off in 15-20 years, you won’t be happy that your peers are buying houses and having kids, yet you’re stuck paying off massive debt because you CHOSE a partner with this much debt.

[@ethanlee-c3d]

Teens Nicole your smart.

[@linuxsurfer2002]

Agree 100%. He's walking into a financial dumpster fire.

[@sonderexpeditions]

Exactly. I want some to be debt free when getting married.

[@kokoskokso]

even worse, you CHOSE a partner who's that stupid / irresponsible / [enter your preferred adjective] to rack up student debt in the amount for which you could get a HOUSE. as a woman, I'd run far. at the very least, I'd be holding off the wedding until the other person is debt-free. in this case though, I think they're polar opposites and too far from each other finance-wise. he's a diligent hard-working saver, she's a spender from what we've seen so far. NOPE

[@jeffsmith9420]

You are a bot right?

[@tamrix]

Don’t go into marriage paying someone else’s debt. Never do this. Ever.

[@justinebailey5333]

Right

[@censored1360]

No Vajaja is worth taking on 350k in debt

[@jeorgedavid3239]

Exactly

[@Michael-jo9jb]

😅😅😅😅

[@jeep19]

Ditto, but he sounds like he needs it 😂 he's defending her, and she'll break him using that vajay 😂

[@bill2181]

If you ever feel down or hopeless in your current situation, at least you’re not 350k in debt 🤣🤣🤣

[@Leftists_are_Losers]

At least I’m not $350k in student loan debt for someone else’s education. That’s not stupid... it’s stooooopid.

[@ichooselife2590]

I concur!

[@Opethfeldt]

So many people out there who appear well off on the surface but have hundreds of thousands in debt.

[@aryheen]

SO TRUE. :p

[@silky2204]

Unless you have inheritance.

[@rhynosouris710]

Dave's right. You're walking into a divorce settlement that will ruin your entire life.

[@jaygold4467]

Exactly. This is a disaster.

[@jocarson5310]

She will be making a lot more money than him. More than likely she would be paying alimony; not him. He will never be obligated to pay her student loan debt. It is a premarital debt.

[@AmukaAkuma]

@@jocarson5310 That is assuming she out earn him continuously. She may hustle till the debt is gone, pop out a few kids, and while they are small, work significantly less. Making him the breadwinner. 7-10 years later and, poof, divorce the dude collect the kids, child support, alimony & the house. Happens every day.

[@BusArch42]

@@jocarson5310but if he spends years paying it off then it’s gone. Spousal support is only for people who can’t support themselves.

[@dynamicwellness33]

Never drain your retirement account for someone else’s debt… Ever. Student loan debt, is that persons debt, not our debt.

[@Robert74450]

Best advice ever dynamic wellness

[@gr86er]

Exactly

[@lusfit6903]

I agree! But then do you combine or separate bank accounts if you're married ?

[@dynamicwellness33]

@@lusfit6903 combined account for monthly household expense purposes. If she is working, she should be paying her student loan debt, income based at least. If she isn't working, lets say a stay at home mom, do income based payments and file taxes seperatley. There's no way I am paying someone else's debt especially if they aren't working. Her names on the loan, not yours, you have no obligation to pay unless you refinance into your name.

[@mkeptrangli]

@@lusfit6903 Have a combined account for household expenses and keep separate accounts for personal expenses and personal debt.

[@energeticsoulhealer888]

I would NEVER expect my future husband to take on my debt like that. To me, THAT is the red flag. It's entitlement, and a major character flaw. I'd feel guilty asf draining his savings, and exploiting his hard work like that. RUNNNN.

[@a.h.2667]

With that much debt, I hope they aren't planning to spend thousands on a fancy wedding as well.

[@eckankar7756]

A can of Spam and two forks.

[@MajorGainz-704]

I was wonder the same

[@TobiHamed]

Ofcos she wants a big wedding women don't care about reality all they want is the magic and rainbows

[@run4cmt]

@@TobiHamed not all women. I never wanted a big wedding

[@TobiHamed]

@@run4cmt well you're the exception and not the rule, I got married in 2020 and my wife is still upset till today that we had a small wedding, because of the pandemic, still wants a big party, and I say no cos I refuse to go into dept for a party, I'll give her the world IF I could afford it, I love my wife but she's a woman and women like the nice things in life and would rather get it without working for it

[@ev1836]

She has the debt of an MD without ever being able to make the salary of an MD

[@thekiaradanielle]

Vets make more than a lot of doctors

[@josephsonntag1354]

@@thekiaradanielle not likely

[@patty109109]

@@thekiaradanielle lol. Average vet salary is like $125k.

[@ev1836]

@@thekiaradanielle the average salary of a vet in pittsburgh is $97k which is way less than the average for a physician

[@HoneyDooDoo]

@@ev1836 crazy, I bring in about $97k cleaning ducts in SoCal.

[@johntaliburton7743]

If caller was a woman the call wouldn’t even be made, a decision would have been made on the 2nd date!

[@jaygold4467]

Bingo!! They look at your wallet first.

[@aligncars10000]

This would be a deal breaker for me. She is beyond irresponsible with money. Chances are they get married, payoff the debt, and she will be gone down the road.

[@ryanj357]

NEVER clean up someone elses mess. It's not your responsibility. This man needs to run.

[@dunkinmonke1380]

Your jealous that you couldn't find a guy so awesome

[@xsgtxbigboy1655]

@@dunkinmonke1380the guy is awesome for adopting 350kbin debt?😂

[@eyaalem7990]

@@dunkinmonke1380are you okay? You want to live a hell life?

[@awill3454]

I have broken up with 2 separate women who were in $200k+ in debt. Hell no I would not deal with that nonsense

[@peacebeyondpassion2]

He can stay, he just needs to see that she will do the work! No marriage until then, because as soon as the babies come, that's it!

[@CJXBS]

I dated a vet with over 200k in student loans. I ended that relationship pretty quick

[@krassimirpetrov7131]

Good call !

[@jeorgedavid3239]

Ha ha 😂 🤣

[@eckankar7756]

Same here, I'm an RN and made more than the Vet I dated. I went to a community college for my RN and the hospital that hired me paid for my bachelor degree. My RN cost $7K for the associate degree, the Vet was still in for over $200K in student loans. Plus I work three 12 hour shifts a week.

[@craigadams3639]

Thank Goodness! That's probably one of the best decisions of your life I bet .

[@nicolab2075]

Sounds like they dodged a bullet

[@alexisidro]

Grasping for air as i hear this story.

[@crystalhull1677]

@Joseph Wright sounds like you have had a BIG shovel!

[@markekins4769]

Grasp that air my friend

[@ensignmjs7058]

*Gasping

[@matthewgardner2144]

@Joseph Wright You're smart to do the anti-Ramsey and invest in your 401s as well as paying down the student loans. Well done.

[@exvan3571]

Most don't "stick the landing" like Joseph did. Statistically and anecdotally, the caller marries this woman his chances of catastrophic failure and drama are high.

[@ExplorationRandomDestination]

350k student debt to become a vet? That is crazy

[@bighands69]

Not at all with the income generated from that it could mean a career wealthy of about $10 million.

[@lt6986]

Agreed but some of it is likely undergrad debt as well. It was probably 30-40k / year in undergrad and 40-55k / year for vet school.

[@blackworldtraveler3711]

@@bighands69 It could maybe and maybe not. It’s remains crazy until that happens.

[@HIRISK]

Medial field got these losers confused. They’re know realizing that they’re just WebMd analysts

[@cesaravegah3787]

They probably had pandas as lab animals.

[@Nomad332]

I love ramseys bluntness! He just gets right to the point, You cant get any better than that!

[@SolidTrades]

He is so Naive !!! Bless his heart !!

[@han1218]

He's IN LOVE 💕 😍

[@MsArtemis01]

He's a fool.

[@dunkinmonke1380]

No he's just a badass

[@yamamancha]

I never thought I'd see the day when Dave was this rational towards marrying a woman with debt. They need professional advisors to work through this. Financial planner, pre-marriage counseling, ongoing couple's therapy... A practical military man in logistics will start to crunch the numbers, start calculating cost performance, and value. This is certain to fail without a plan.

[@hiteshadhikari]

Dave has a soft spot for women

[@erickqwesibentilmanie2382]

@@hiteshadhikari that’s the only thing I dislike about him

[@littleripper312]

Stop with the gender stuff, just look at people as individuals. I get that others like Dave might be bias but it doesn't do anyone any good for you to be obsessed and preoccupied by gender inequality.

[@yamamancha]

@@littleripper312 I guess you haven't listened to Dave for very long if you think I'm making this about gender....

[@hiteshadhikari]

@@littleripper312 oh the courts look at it gender wise, i can tell u that

[@rodneyholmes5260]

DON'T MARRY HER! That's a giant red flag. How a person manages debt demonstrates how fiscally responsible they are. Clearly, she's not responsible.

[@han1218]

Listen to Rodney, WALK AWAY!!! :)))

[@SlothnSteel]

@@han1218 run

[@han1218]

@@SlothnSteel don't walk, run :)))

[@gregoriopassport]

Run!!! You can find something way better.

[@dunkinmonke1380]

Jealous?

[@brianmcg321]

This dude needs to run.

[@jeorgedavid3239]

Quick

[@lj2192]

Right? Plenty of fish in the sea.

[@davem4193]

Truer words have not been spoken.

[@scottg4520]

How do men NOT hear about the horror stories of marrying/paying off debt just so the wife divorces?

[@Opethfeldt]

Rose colored glasses. They want to believe they've found a girl who is "different" or "special". She may very well be but you don't know that until you've tried and why take the risk when there's better options out there. Love makes people blind.

[@davidsebastianelli1326]

@@Opethfeldt Marriage will open those same eyes.

[@Mawyou]

I haven't heard these stories. But it sounds like something that probably does happen

[@Semiam1]

Thinking with the wrong head.

[@jaygold4467]

Low self esteem.

[@rj-lx9yt]

Don't marry. Choose a more suitable candidate. She didn't plan on her future properly.

[@rj-lx9yt]

Further, this isn't anti-poor. The lack of finance understanding is a mind-set. She obviously doesn't have it.

[@devinhawkins249]

DONT MARRY HER DUDE

[@bighands69]

Of course he can marry her that debt is nothing compared to their potential career earnings and wealth that they can build. They need to rent for a few years or buy a small Mortgage house and pay that all of before moving to a nicer house. It would be different if she had that debt and was a Nurse or school teacher.

[@hiteshadhikari]

@@bighands69 they can wait until "potential career" has paid it off

[@blackworldtraveler3711]

@@bighands69 No man or woman should marry “potential” like that until that insane debt is paid off.

[@Joshua.Carrasco]

Ironclad prenuptial

[@alp.9672]

@@bighands69 you sound dumb, other way around she wouldn’t marry him

[@victoriagarcia5533]

Don’t marry her. That’s 350K for a vet.

[@jeorgedavid3239]

Exactly

[@haha-cm6pg]

😅😅😅

[@elijahbrown8675]

If they are already living together why marry all marriage does is make each other responsible for the others actions including their debt. They can have a little wedding ceremony but don’t get the certificate from the courthouse that way the if she decides to be a stay at home mom the debt collectors won’t be able to touch his savings.

[@elkellenhabla]

@@elijahbrown8675 they shouldn’t shack up if they’re married. That’s just childish. Be married or don’t be but don’t “play” house. Be adults.

[@garronl.7989]

I'm not sure I'd marry anyone with $350k in debt. She paid a small fortune to become a vet. I'm surprised Dave advised him to run. 😄

[@Dis_is_fine]

I would advise him to only marry after she pays this off. Live together maybe, with finances completely separate. That’s what I would do and I’m a woman.

[@Dis_is_fine]

@Dementia Joe I thought common law was different than married?

[@ednaramos727]

@@Dis_is_fine once you're common law married, you have to go through the divorce process. Most states have certain requirements to be considered common law married. Just because you live together doesn't automatically make you married, at least here in Texas.

[@Dad-979]

I wouldn’t recommend running with the little bit of information he shared. My wife had $250k in student loan debt (medical school) when we got married (2014) We were able to build a house ($400k), buy a vacation/rental property ($250k) and just became 100% COMPLETELY out of debt June 25th 2021!! IT IS POSSIBLE. It’s going to depend on them as a team. We grew up with nothing and know what it’s like and neither one of us want to be there again.

[@offroadvehiclelover]

@@Dad-979 you basically confirmed what dave said man!

[@sydney2462]

I absolutely would not wed someone with a debt that large.

[@mollynash2597]

If I were this guy, I would tell her to pay off a certain amount before we get married. That way he can see if she's serious about paying it off.

[@Rod_91ks]

RUN brother! This mess will take years to get fixed and there is a very good chance she might divorce you after the debt is paid off! The stakes are too high man.

[@BusArch42]

Only would marry her with a pre nuptial. Lay out their starting positions and split the gains down the middle. That way if she bails she will have to even things up.

[@Thebootyrater]

Don’t have any kids until she’s payed off majority of the debt. Don’t let her use the “I wanna be a stay at home mom” excuse.

[@kara2162]

ALL of her debt.

[@michaelb.8953]

It's that exact mentality that would give me pause moving forward. Not to say she would pull that, but some woman would.

[@jeorgedavid3239]

Don't marry her till she pay it all off

[@cesaravegah3787]

"ir you wanted that why expend so obscene amount of money on a degree You don't want to use?" That would be me, I supose that is one of the reasons I remain single, blunt as a brick.

[@kara2162]

@@michaelb.8953 A lot of women would. I'm a working mom and I am so sick of women coming into marriage with student loan debt and then pulling the SAHM card. Ridiculous.

[@clericstorm2009]

No! Let her pay it off first, or get close to it, then marry.

[@TB-ev2hg]

Right, at least half of it. Demonstrate effort.

[@uniqwiab8679]

Yeah she needs to get a little over half paid off

[@sd0753]

Half paid off is still $175k. That is still too much for me to accept

[@millerr9307]

Incredible that a guy so well put together financially can't see the warning signs flashing right in his face.

[@jesseking9254]

It happens. I know from personal experience. I was worth 300k before I managed to get a date with a girl. Very dangerous position for a man to be in...

[@discorabbit]

“I wanna have kids & stay home” 350k in loan debt

[@SINCE-76]

RUN DUDE RUN

[@jeorgedavid3239]

Exactly head for the hills asap

[@crooked52h]

Your not debt free if you get married to this 350k bill smfh

[@fitnesschallenge1000]

You’re

[@fleurelise997]

That's how you know he has no clue what he's getting himself into. He's going from zero debt to 350K. The shock to his system would be insane.

[@jragon9215]

@@fleurelise997 and if he gets divorced he’s really going to be in a lot of pain

[@chickencharlie4539]

Holy cow. 350. That's torture.

[@pranavpillai7778]

Becoming an attorney or a doctor in the past was a guarantee to financial success in previous generations. But in today's day it is a quite risky investment to go for. Many attorneys and doctors struggle to pay their debts.

[@a.ashley5292]

i agree, but they say most doctors don't make it through their internship, either, if i remember correctly.

[@morningmona]

I’m in one of those fields and in my 30s I make about 700-800k a year and paid off my 250k student loans. It was a good career choice and the initial debt was worth it.

[@pranavpillai7778]

@@morningmona I'm in law school as well.

[@0p0a0s4]

My vet school made it very clear that if you think you're going to make a lot of money that you're in the wrong profession. They push getting board certified so that we can get into the $200k-$300k range. Outside of that we're told to expect $70k-$90k.

[@BB-re6nz]

Chiropractor here. In literally the same boat. Worst decision in my life was getting into this profession. Every day I like being pinned against the wall

[@consumerdebtchitchat]

Rent is at an all time high. In tampa my apt. in 2013 was 700. It now rents for nearly $1400. This is everywhere nearly from what I can tell. Forget the 30% of income towards rent - it's more like 40% and up! If he can he should pay rent to his parents on the CHEAP ... stay there and then use THAT money to buy a house. Wife needs to work.

[@MM12684]

Looks like you also noticed the dollar is collapsing 👍🏻

[@zachwalters8001]

I live in tampa too and can confirm! Also from Pittsburgh though like the caller. Pittsburgh rent isn’t too bad though.

[@jragon9215]

Yes I don’t have any shame living at home, I’m going to live at home for as long as I can and I don’t give a dam what anyone else says or thinks, I won’t get married until the laws change so I don’t screwed by divorce, alimony, and child support, I won’t get into debt or get myself into trouble because I took the time to educate myself.

[@bellezanegra0206]

Y’all didn’t coach him on what happens if she decides to dump him after they pay down the debt lol

[@eckankar7756]

I was thinking the same thing, he's not her dream boat, he's her life boat

[@hollon1697]

And she will absolutely have kids and scale back part time

[@janelleg597]

Absolutely is a strong word for a rando internet stranger who doesn't know anything about their plans. Insufferable know-it-all

[@Thebootyrater]

@@janelleg597 well that’s what women tend to do so 🤷🏾‍♂️

[@Mitzi73]

Agree!

[@krassimirpetrov7131]

No doubt

[@truckerman9112]

And then divorce him and take half of his stuff

[@bkucenski]

She's looking for someone to pay off her student loans for her. She needs to establish herself in her career and an attitude towards paying down that debt. You're not buying a house until those student loans are gone. She's a walking disaster. You're a military person who is going to be deployed while she's home by herself. Give a few years working in her field making a huge dent on that debt before you sign off on her. Never put your name on her student loans. If you get divorced, her student loans are hers. They don't get split in a divorce.

[@jungunanta8931]

No no $350k in debt...........No way would I marry her.... unless she pays it off before we get married otherwise bye bye

[@smithrr6]

She needs to pay that student debt off before you sign the marriage certificate. If that takes her so long that you want to break up and find another girlfriend, that is OK as well. Don't be a SIMP to this veterinarian that is so far into debt that she needs captain saveaho to rescue her from her own decisions. You don't want to start a marriage this far into the negatives that it is very easy to blame each other and be at each other's throats and have a very high high chance of divorce. Don't set your self up for failure. A hot chic that works as a cashier with no debt is better than this.

[@slinkster1772]

Agreed

[@garethsmith1436]

Yep he sounds like a complete simp. Why get married? What benefit is he getting from the deal??

[@Adil729]

👏👏

[@Adil729]

@@garethsmith1436 None lol

[@Omonike88]

Agreed!

[@DemetriPanici]

That is absolutely NUTS

[@Vdeepak2011]

Let her clear atleast half of 350k first before marrying.

[@Mitzi73]

Exactly!

[@jeorgedavid3239]

She need to pay it in full not half

[@TrueNirvana69]

Don't do it.

[@_Frank_the_Tank]

Geez, they're all "fantastic" the first couple years you know them. It's not until you shack up together and get married that her true colors come out... He's a young military man, sounds halfway intelligent and clearly has his own personal finances figured out, needs to just leave this chick and her massive debt behind and move on. Females are replaceable, financial freedom is not.

[@admiralrustyshackleford119]

Amen to that

[@tigerak02]

Simpin' ain't easy, keep debts separate, PRENUP

[@mannyjeanpierre4062]

SELL THE GIRLFRIEND!!!!!

[@handleyobusiness]

He will only get $40 back. 😅

[@offroadvehiclelover]

Rick, best i can do is 1.00$ taking on all the risks here.

[@MsArtemis01]

@@handleyobusiness 1cent. 🤣

[@yoleeisbored]

Lol make her get her tubes tied

[@Mr_Fairdale]

Simpin’ is dangerous business, man.

[@alp.9672]

100% what he is. Caller is beta.

[@annatar6453]

Bro, RUN and don’t look back!

[@ozzyg4604]

With 350k I can buy another wife

[@chrisryan48]

The wife and I both went to state schools. We both received business degrees and graduated with no dept.. We make a little less than $400k. There’s no need to take on student loan debt to get a good job.

[@user-es5jq6yy9l]

not if you went to medical, pharmacy or dental school

[@littleripper312]

She's a vet and went to professional school, it's different and very expensive. But yea her loan is too high even for vet school.

[@kingbran923]

No one tells you that when you’re 18 looking to go to school. I wish someone would have told me or that I was wise enough to look at all my options when I was 18 but what’s done is done

[@TheSwissChalet]

@@user-es5jq6yy9l Not true. People do it regularly without debt.

[@charliele3165]

@@TheSwissChalet Pharmacy school is at least $100K a year. Dental school is like $200K. My sister graduated debt-free from pharmacy school because my parents helped pay for it. My wife graduated with $120K because her parents couldn’t. No one is graduating with these degrees debt-free unless they have help or scholarships.

[@herbertscott9575]

If you want a women's respect, stand firm on your morals and principles. If you don't want to pay her debt but still want to have a relationship, you must communicate that. This way she knows to keep her eye out for a savior type. If you approach anyone's problems harder than they are approaching it themselves, YOU are actually the problem. Get out of the way and continue to live your debt free life and meet a debt free woman.

[@kendallwilliams9618]

Meeting a God fearing, pretty, reasonable, intelligent, unselfish, modest, respectful, and debt free woman is dang near impossible these days. That’s a unicorn we’re searching for.

[@habeshasister11]

@@kendallwilliams9618 I have a friend for you Kendall! Lol

[@talyahr3302]

The cost of vet school is why I didn't go to vet school when it used to be my dream. I have $20k of school debt now still, but boy is that much better than $350k.

[@jaredfrazier2216]

If it was your dream you could have joined the military and used that route

[@sarahhilton7964]

Unfortunately, nowadays, if you marry a doctor of any sort they will be bringing in $150K minimum in student loans. Most doctors I know have about $300K-350K+. And salaries are lowering in comparison.

[@Rudy4759]

Play it safe brother. Wait till she pays her debt first and when she’s done paying it, if you guys still loves each other, then marry her. Some women get bored easily and can change their minds at any time. Especially when her significant other is away for long periods of time.

[@braceyourselvesfortruth2492]

Women can be convinced to work if they can get something out of it. My wife wanted to be a stay at home mom until she saw the house and school district we would get if she kept working. If you're telling her she has to work 24/7 to put all the money into her student loans, and she didn't care enough about it to avoid that trap in the first place, it ain't gonna happen. RUN.

[@scotttracy9333]

Exactly 💯 .... pretty soon after the wedding she's going to want a house in the suburbs, flash SUV etc. If she was budget conscious she'd not have racked up that kind of debt

[@oldgeezer2780]

Some of the best advice I ever read: "If you want to be a stay-at-home mother, marry someone who has the capacity and drive to make that kind of money. It's not fair to marry someone with a low-paying profession he loves and then resent him because you're not vacationing in Europe every other year." I never wanted kids, but people routinely think the above is a dreadful outlook. This guy should put off 'the next step' until he sees what she's made of, and you know what? IF she was moving heaven and earth to pay this off, he wouldn't have called and asked for advice.

[@phipsdeus2]

What marriage!?!?

[@phipsdeus2]

Multiple red flags: She had much more debt, will make more money, if she doesn’t already, and he is good with money! She found a mark. I want to him to call back in five years for an update.

[@Simplynieceee_]

My fiancé went to pharmacy school and He is in $300k in debt. No one has ever told me to run away from him.

[@adrianmechelle3784]

The people here are miserable. If you are both equally yoked, you can attack the debt together and succeed.

[@Yandel21ableify]

You should run away from him...lol

[@Simplynieceee_]

@@Yandel21ableify explain why

[@Yandel21ableify]

@@Simplynieceee_ If your husband where to die, you would still have to pay his student loans. Student loans are unforgivable.

[@melanieb2132]

@@Yandel21ableify they are forgiven if the student loan holder dies.. unless private loans

[@razor4059]

“Once you are in, you are in this together”… unless you attack it like Ramsey said, RUN AWAY

[@maynardewm]

As soon as she has kids, she's going decide that she's "too burned out" to keep working full time.

[@tmc187]

As a woman I think she should pay at least half of it before marriage and never stop working once married. Thank God for good men like this one.

[@MoonMoon-fx1op]

I don't even have to listen and watch the video. Run broseph

[@davecopp9356]

Finally Dave was on the right side with his advice.

[@han1218]

The other guy didn't. Simp alert.

[@pseudorealityisreal]

Careful with the family courts, bro.

[@golden-bear]

finally...dave gives some good 2021 relationship advice haha the days of traditional marriages are looong gone. this dude needs to make sure he protects himself, nothing wrong with him being very cautious

[@crooked52h]

Don’t do it !!!!!!!!!!!!!!!!!!!!!!!!!!

[@patty109109]

Average veterinarian salary is $125k. Her debt load is absurd for that career. You’re gonna be paying this for at least another decade. Particularly when kids come along, you buy a house, cars. You might be stuck with this till 40. Just being realistic.

[@patty109109]

@Rich Casino Not sure--I just googled average vet salary :)

[@run4cmt]

I recently met a vet that was 45 and still paying off student loans. He thought he would be working until at least 70.

[@ianmorrison5474]

The word 'run' came to my mind as well.

[@BernadetteZayasLore9]

RUN!!!!! Don’t be stupid!

[@kimb9585]

HUGE MISTAKE!!!! I would never marry into such a mess

[@iro3952]

She’s for the streets homie.. especially when he’s deployed

[@JBrown-go8ru]

Retired military here. It’s scary how many times I’ve seen this happen during my time in the Air Force. Everyones in heat when it’s deployment time. It’s why I never got in a serious relationship while in, and waited to start a little family very late in the game.

[@MN-ns1lo]

An educated person like his wife isn’t interested in your criminal lexicon.😪

[@rchn1315]

The instant she starts making as much as the guy, it's divorce. He's not the risk, she is. She got herself into this mess in the first place. Why isn't she calling in?

[@fleurelise997]

Nail on the head there. She doesn't think it's a problem.

[@CK-et8gt]

Run, don’t walk. That girl will ruin you.

[@RealityCheck6969]

Noone would touch that woman with a 10 foot pole. I wonder why this guy feels like he has to pay someone else's debt I don't know...

[@agentooe33AD]

Yeah my buddy married a girl with $65k student loan debt. He's not paying on it, but neither is she.

[@ke6264]

I wouldn’t dare marry a man with that much debt and don’t suggest a man marry a woman with that much debt either.

[@suek7086]

Yes, thank you for your service.

[@SavageSanto]

DON’T marry that girl… 🙅🏿‍♂️

[@barryetherton4889]

Very good advice, I hope they listen.

[@pcluvsmusic]

Does anybody here remember this important message/lesson from Dave’s earlier videos: “The fastest way to wealth is no debt”. That single message gave me a new perspective on how I spend money and invest money. Older version of me realizes I should have more assets than liabilities. Having too many liabilities hinders your ability to build wealth.

[@dcg590]

Let her pay it. He will marry her, help,her pay it off then she will dump him, or she will have her first kid then not want to work

[@missbcat6386]

Run sir RUN !!!! Veterinarians DO NOT make that much money, unless your a veterinarian that goes into residency and specializes in orthopedic surgery, oncology or pathology, most Vet Clinics these days are owned by corporate like Banfield, and she’s looking at her most earned under 80k . You HAVE NO idea just how badly veterinarians are paid, not to mention the very high burn out rates, and the constant shilling of vaccines and other things , she will be pulling teeth just to scrape by as a vet. Trust me on this one.

[@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?

[@John-bd9fj4435]

Thanks for the efforts you put in these. I found her and i leave her a message i await a response

[@Snesboy09]

Lol all the shit posted here is bots bro