This Has to Stop!

[@Sizukun1]

Married for 3 years, she got a free lexus, motorcycle, half a 401k, half a house, all her debt paid off, and probably a xmas bonus on top. All from a trucker's salary. All enforced by "the law". What a disgusting institution marriage has become in the US.

[@dmbgator86]

… and people look at others weird when they talk poorly about marriage and not wanting it.

[@castroh19]

This is disgusting. There are days I wish I was in a relationship. Then I see this and realize that im better off single. Men lose in divorce.

[@jimroscovius]

No, marriage is great. The problem is that he shouldn't have married her. They obviously didn't talk about finances before they decided to hook up. My wife and I were on the same page BEFORE marriage, and we've been happily married for 41 years with a paid-off house and no debt. Don't blame marriage. Blame the people.

[@ruthlessreid9172]

​@@castroh19yep they wrecked schools and family court let's hope they never run Nuke plants!

[@jimroscovius]

​@@Dieselman6.7Why did you marry her?

[@01man01truck]

As a truck driver I can say selling the house selling the car and going over the road is the best move he can do. No rent no mortgage no car payments. Focus on paying off what you owe.

[@LiifeWithShaq]

bingo

[@kastrothetrucker7820]

Facts

[@TheKylweese]

That's my rock bottom emergency plan.

[@chystassia2170]

Thats what im doing at the moment just dumped my ex a bit ago and im just cleaning up my finances and never doing that s&$@ again

[@getinthespace7715]

Force the sale of the house. Force the sale of all assets. Split it down the middle. Start over. Don't make the same mistake again.

[@mplslawnguy3389]

I can hear it in the guy's voice, he WILL make the same mistake again, and will make many financial mistakes along the way. Then he'll brag about something stupid like he lowered his truck payment from $970 to $800.

[@getinthespace7715]

@@mplslawnguy3389, yeah. If it were me, I would rent the cheapest crap hole studio apartment, by a $500 car, and maximize my over the road work. If I could make 6 figures consistently I'd be a friggin millionaire in less than 10 years. The Ex would either be broke because of her spending habits or latched onto some other loser. Not my problem. At least they make the same money so he doesn't owe alimony.

[@mplslawnguy3389]

@@getinthespace7715 I highly doubt this guy will follow your advice, but that's exactly what he needs to do. There are people who are destined to be poor their entire lives, and there is nothing you can tell them or teach them, they have it all figured out. Unfortunately these type of people make up the majority of this country.

[@NickAndTech]

@@mplslawnguy3389 not the majority but many, America is still by far the wealthiest most opportunity-rich country in history so there's a very large margin of error for dummies being stupid and still being able to live well

[@PInk77W1]

I slept in my car in Los Angeles 2000-08 to pay child support. Doing much better now.

[@kagnewcobra5228]

Moved up to a van ?

[@deirdrekiely6187]

Use a condom. Much cheaper.

[@jimv77]

​@@kagnewcobra5228......Minivan...Cargo Van.....Sprinter Van.....Big O'RV........Class "X"......

[@mikezerker6925]

It’s sickening what the family court system has done to men all in favor of manipulative, conniving women!

[@PInk77W1]

@@kagnewcobra5228 To b honest it was a Toyota mini van Cargo. No I now have bought a small Home cash in Coleman Tx. 400sqft. $23k cash. So blessed

[@Axl_colts]

People need to quit paying these high prices for vehicles. A $950 car payment is stupid.

[@tmusa2002]

Yes, plus he gave them a car and motorcycle to have $4K negative equity on it. Ouch.

[@scottlaux6934]

He is an idiot

[@stephensuon9620]

Especially buying big trucks people don't need, is buying ego.

[@clarifyingquestions]

Any pmt is stupid.

[@Bambarbia2447]

Why anyone would get a brand new truck with almost $1K monthly payment plus insurance while having $35K in CC debt and no savings? Talk irresponsible. I feel sorry for him going thru divorce but he also needs to reconsider his life priorities.

[@BearsBeetsBattlestarGalactica1]

because in their mind they deserve a nice vehicle

[@mplslawnguy3389]

This guy has a "poor person's mindset." This guy will never get ahead. He will be digging himself new holes as fast as he can dig himself out of other holes for the rest of his life. There are many like him.

[@kensmith2796]

Yes, it literally boggles my mind. I make significantly more than him and I drive a 30 year old Jeep.

[@navsofour2892]

Because somebody approved the loan, so why not?

[@JL-hj8hj]

This guy is not "financially smart". Anyone who pays nearly a grand in monthly truck payments was suckered. Suckered by dealership salesman, suckered by his wife, suckered by other debtors... stop being the sucker, dude.

[@nicholasmartinez6043]

This poor man’s life sounds like a country song

[@mplslawnguy3389]

These two idiots deserve each other. They will both remarry and start the whole thing over again.

[@topnotchtx]

😅😅

[@dialac1]

🤣🤣🤣

[@cadizwilmo9687]

Play the record backwards and he gets everything back!

[@j.l.salayao8055]

with gravy in it.

[@joshmonus]

"You are being managed by emotion because your heart is broken one minute, you are pissed the next minute, and you are broke and terrified the next minute." Dave Ramsey has perfectly described the emotional state of a man going through a divorce.

[@cris2ivan]

Ain't that the f truth 😢

[@brettweltz8135]

Getting a divorce was the happiest moment of my life

[@joshmonus]

@@brettweltz8135 Happiness and peace come after the divorce. However, during the divorce it's quite stressful. Especially if your ex is trying to steal the home you owned years before even meeting her.

[@safeandeffectivelol]

@@brettweltz8135 That's after it's all over. The months leading up to it can be terrifying, possibly losing your children and everything you worked for.

[@k.lamareyev4418]

Was reading this while he was saying it

[@joelplatt2651]

I know that this has nothing to do with the video, but I’d like to thank you guys for being a huge support to me. I’m debt free as of TODAY from $79750 in consumer debt 16 months ago

[@markh.6687]

Good Job!

[@amadoutimbo]

I'm on the same journey. Had about $75000 debt. Started paying it off in June 2022. As of today, still have $22500 left and I'm paying it aggressively. It's a mentally draining process but the lessons learned from this journey is GOLD.

[@saelaird]

That's incredible. Awesome job! Congratulations. I've got £800 to go...

[@iamjoedy4883]

Crazy to see this comment. I just paid off $35,000 of consumer debt. Took just over 6 months. Congratulations!

[@joelplatt2651]

Thanks all!

[@user-mv9tt4st9k]

This sounds like what happened to a guy I went to school with. He dated a girl for a little over a month when she told him she was pregnant and he had to marry her. Friends told him to call her bluff and make her prove it, we even gave him the name of clinics to take her to. He married her. They rented a nice apartment and he filled it with financed goodies. He financed car for them. Obviously, she was not pregnant ('big surprise).A year or so later she wants a divorce, and it was ugly. She dragged it out over how to split the the stuff HE had paid for while they were married. He met with her and her lawyer several times and she was never satisfied. He told us their final meeting lasted about fifteen minutes; he told the judge he was done and ready to sign the paperwork. All he wanted was his truck (it was paid for and he had it before he married); she could have everything else he had paid for. She was stunned and apparently not happy. He said it was as if she did not really want to divorce him and maybe hoped he would beg her to take him back. The divorce was granted and he never looked back. He eventually married and had three kids.

[@JJ-mh3hb]

Dude got taken for a ride, crashed hard and then got in again...this guy is an idiot 😂

[@i.d.6492]

That sounds like literally any dude that gets married and then divorced 😂

[@chattingman6777]

He basically didn't learn any lessons at all.

[@joelweekes4267]

Yeah

[@CarlWeakAss7]

I hope he gets through this and stays strong. I know it’ll be hard but with faith and consistency I know he can.

[@chazzkramer7676]

Dave's right. Lose the house, the truck, and whatever else you bought together while married. Buy her out and get on with getting back to YOU. Been there, done that, got the tee shirt!

[@Mchris24]

Complaining about his wife being the spender, but then admits that he bought the Lexus, motorcycle and Siverado and has just as much credit catd debt as her.

[@navsofour2892]

Good riddance either way.

[@jjasonSU]

You just don’t get it

[@britneyog9537]

You said it. Both are a financial mess. Now an ending marriage.

[@topnotchtx]

lol

[@sunitization]

They think ending marriage will fix their finances rather rather than doing a ceasefire and find a plan together to get out of the mess 😂

[@curtiscf1986]

OTR driver here. I went through this exact same thing a few years ago. Don’t let her keep the house like Dave said. Force the sale of that. Get your name off that mortgage. Everything will be settled, or split equally. You will recover from this.

[@BusArch42]

Absolutely. Force sale of everything

[@branmichaluk445]

100%

[@TheCanineclub]

I was in car sales for a decade - retired this year- Lat Car payment a customer signed, the payment was $2,700 for a F350 CRAZY - I had to retire

[@bclayton430]

$30 in his bank account with a $970 truck payment?! Time to ride a tricycle to work bro

[@TheSoulCrisis]

😂😂

[@andidede3653]

Just waiting for the next pay check

[@kokoskokso]

at least he's responsible and pays his bills for said truck and saves for retirement, unlike wifey who just goes off shopping without a care in the world. see who's laughing a year from now.. she'll be looking for another victim to mooch off of

[@commonsenseisntcommon1776]

lol, and he wants to buy his own semi.....with what Monopoly money?

[@furiousrobinson]

💯💯💯

[@tomlaureys1734]

Of all the Dave Ramsey videos I've seen this one is probably the best advice I've ever heard given to a person who called. I hope this guy takes Dave's advice exactly as given.

[@michaelatkinson6730]

I don't know how people go through a divorce with all that debt. That is just horrifying.

[@vollste]

Man, I love listening to these people and their issues. Makes my life seem so stress-free in comparison.

[@Aaa0483]

Agreed

[@Nahuelero123]

You get joy and peace from seeing other people struggle more than you, good job wolverine

[@Nahuelero123]

That’s a big man

[@ajax8079]

Never say never and don't say forever....

[@PescesKitchen]

I used to finance a $64,000 F-250 with an $888.88 payment exactly attached to it. I had to come just shy of $6,000 out of pocket to get out of it. But I'm in a separation and at the time I shared her car because I had a motorcycle, but now I dry a motorcycle and the only thing I miss about that truck (not the payment), is a roof over my head. Today I got drenched in rain on my way into work and sat in wet clothes all day.

[@mcdouche2]

But you got to keep the KZbin account. Congrats!

[@keithbellair9508]

Why not just buy a economy car like a normal person? Problem is people think they need these pick up trucks to haul around their egos

[@ItsmeCote]

Whn I was in a similar situation, I bought a mazda 3 for $500 and drove it around for 6months until I got back on my feet and sold it back $800.

[@robertdutka3409]

Some of the best advice I've heard from Dave.

[@ONLY1KUDWE]

Man, I love Dave's straightforward advice

[@kokoskokso]

Awesome advice. I was even relieved when Dave laid it out like that and portioned up the sections into digestable pieces. Poor guy, wife goes shopping he saves for retirement and in the end wifey (hopefully doesn't) get half of it. Caller sounds like a good, hard-working man, goes to show how important it is to be discerning who you trust. And not just men, I'm a woman and I've had to take a hit too due to a financially irresponsible guy (earning twice as much as me but still managed to spend it all and drag me into debt). One year everything will be much different and better, just be smart these couple months. All the best to us all 🙏

[@fleetofwjs1893]

Been there, done that, judge gave her the T shirt.

[@nightfangs2910]

And I truly hope you like myself I never co habituated or ever got married again learned my lesson

[@bamafencer12]

The man bought the expensive toys though. He is at fault too. Why does he need a new Chevy?

[@Winston0Boogie]

I normally put 2k into my retirement and then brokerage pretending I have a car debt of 2k/mth. 976 is a lot. I had a car debt of 195/mth and worked overtime to pay it off.

[@Convosinnature]

So they have no kids, only three years of marriage and she can potentially get half? That’s insane to me

[@M.J.TheGr8]

Not potentially…She will get half of everything acquired during marriage.

[@MaletinaClarke-rq9ds]

He picked her !?...

[@mikehurt3290]

I guess I'm lucky we were broke my whole marriage so she didn't get anything other than our car we shared

[@Ja50nkAt]

Another man "going through it", shoooooocking.

[@alinatamashevich3354]

Rinse/repeat

[@warwagon]

Every time Dave tells someone to get married a link to this video should get posted in the comments.

[@c2s2942]

Well, Dave is right about marriage, but people aren’t responsible about getting married. They don’t make thought out decisions about who they’re marrying and why they want them as a spouse. They just think typically “I love them, that’s enough.”

[@bradleymaravalli2851]

This couple clearly didn't go through premarriage counseling nor were they on the same page about money, before & during marriage.

[@Kevin-et6ng]

@@bradleymaravalli2851so people never change or want something different in the future.

[@danielboone72]

Tom Leykis is the person to listen to. Don’t get married! There is nothing in it for us men.

[@ikxrlxi2895]

Not all heroes wear capes and Dave is one of them!!

[@Kaiden-Bentley]

I watch several KZbin videos on how to trade in the stock market but haven't made any head start because they are either talking some gibberish or sharing their story of how they made it and I do not want to make mistakes by taking risks in my own hands

[@Kaiden-Bentley]

@Penelope-Valentina What is the name of your broker and how do i connect with him or her ?

[@Juniper-Brielle]

@@Kaiden-Bentley Alice Marie Coraggio her trading strategies is working for me for more than a year now and I’m making good profit from the stock market and she's 100% honest, reputable and trustworthy

[@AdrianGonzalezSales]

@@Juniper-Briellethank you ma’am. How kind of you to share such valuable information

[@Gypsy2057]

Getting rid of her now is the best thing for him. He's young enough to get his life together. It's too bad he took out such a large loan on the pickup but he is just like millions of others.

[@evanl889]

Problem is he will probably jump into another relationship with a new woman when the first one comes along and is nice to him. Problem is he could be stepping in it all over again.

[@cindymann3673]

The woman wasn’t nearly as much of a problem as his own financially decisions, according to the things he listed that he purchased.

[@slayer5813]

" just like millions of others" True!!! My buddy has a shop next to a repo business. When I'm there, you should see how many people come to claim their cars or to collect personal belongings on a daily basis. Also many car haulers in and out picking up cars. It's a continuous revolving door, it NEVER stops spinning.

[@bigcahuna42366]

This guy's truck payment is more than my monthly house payment. Selling a brand new truck that expensive is very tough to do on private party.

[@commonsenseisntcommon1776]

right!

[@henryanaya8459]

Depends on where he lives

[@jasonleatherwood2172]

Wow a house less than 1000$ a month in 2023 is around 85000$ mortgage lol i underatand its a old mortgage

[@A_barrel]

​@@jasonleatherwood2172 more like 130,000, which where I live are like half the houses for sale

[@fxdnny]

@@A_barrel Yeah I owe 142K with a $900 payment in CA

[@Nmdresser]

God bless this man and give him strength to follow through Daves advice.

[@Neddie2k]

They marry you for 3 years and take half your shit. What hurts the most is they knew they will leave you before they said yes I do.

[@robloxvids2233]

He's lucky, if you watch Forensic Files a lot of women literally marry a guy just to poison him and collect insurance.

[@Neddie2k]

@@robloxvids2233 😳 never thought of that.

[@benfranklin3638]

I used to live by a lady with 4 kids by 4 different guys….never worked a day in her life. I asked another neighbor that knew her what she did for a living. His answer? She’s a professional divorce’ and breeder. Her alimony and child support was more than I made with a doctorate in engineering. And she paid zero taxes.

[@1967davethewave]

This is why the trend against marriage is growing with so many younger men. Divorces are no fault anymore so all these women have to do is be nice enough to get you to marry them and then like you said, take half. I'm union and my buddy went through this a couple of years ago. He married a woman, took care of her kids as his own and their biological dad never paid a dime, treated the woman like a queen. At the 10 year mark everything changed. She moved out with zero warning, filed for divorce and ended up with half his 401k, half his pension and half the savings. She had been a part time server at a little restaurant during their marriage so she made maybe 10% of the household income. He found out during the divorce she had been cheating on him for a couple of years. Why work your ass off, do the right thing and then just hand half of it over to some woman who was only in it for the money anyway?

[@1967davethewave]

@@robloxvids2233 Scary but true!!!

[@AKAT1980]

I would like to say thanks Dave, for laying out a plan that he can very well execute to get his life back. He was broken and if not for you it's no telling when he would have snapped. Prayers up for him for sure.

[@kodiemclean2170]

Respect, keep on trucking buddy Divorce is evil nowadays

[@Noyb0712]

No dude...do NOT give her the house you equally shared. Do not do that.

[@user-mv9tt4st9k]

He is on the mortgage. THAT is why he forces sale of the house they equally shared.

[@tshandy1]

Divorce is expensive -- emotionally and financially.

[@alinatamashevich3354]

But so worth it

[@tombkk1322]

@@alinatamashevich3354??

[@user-qy6tu9ip9v]

@@alinatamashevich3354 304 alert

[@astroboy5137]

He can’t pay the payment on a pickup truck. How’s he going (if he could get financing) going to afford a payment on a semi ??

[@justicedunham4088]

I find it absolutely horrendous that divorce law can be written so poorly that the ex can make an equal amount of money, squander it, and then take half of his, meaning she actually got 75% to his 25%

[@IRISH4486]

When Dave broke it down it made sense. He’s afraid because this woman is threatening all kinds of things. It doesn’t matter. They don’t have kids. Thank goodness. He seems like a nice guy. She’s a dumpster fire and then some. I’m never getting married again. It’s not worth it and the worst business transaction you will ever make in your life. Trust me. It has cost me everything. But I’ve had to loose everything to be honest and happy with myself. It’s tough but in the long run it’s the best way for me. Be ok with yourself being alone. You have to be best friends with yourself first. To be happy being alone. I see it time and time again. Unhappy people staying in unhealthy relationships just because they aren’t friends with themselves. Trust me. Be content by yourself. Don’t chase others in the street. Keep it simple and be honest with yourself. It’s a nice feeling not to be beholden to anyone. Be drama free and be happy. ☘️

[@willgates9381]

Stay strong brother, i had a friend that worked at GM kill himself for something like this

[@robertbenedict4668]

Sad new a few did that

[@MrDeadpool980]

Dave’s reaction to the truck payment made me laugh

[@guillermorios6263]

Right idk why people are surprised with that kind of payment trucks are not 30k like they used to be

[@MrDeadpool980]

@@guillermorios6263 I can’t really blame him for the reaction, this channel really has taught me never to take on a car loan again

[@MrDeadpool980]

Still I understand Dave’s reaction, $970 in car payments when you have a large amount of debt already is insane

[@stanley4006]

I have never had a $900 car payment. I thought my last car payment was too much at $627. But I always pay my vehicles off in 2 to 3 years and my last truck I had for 16 years. I keep my vehicles as long as possible and will save for a down payment to keep the out of pocket monthly more manageable.

[@xrayandy4770]

Been there and done that - It will be ok in a few years !

[@markadler8968]

My friend was mentioning the other day how is is struggling to make his truck payment. I asked how much and he said it is just under $1500 a month for a fully loaded Platinum F 350.

[@cheldosarmiento2733]

Wow unbelievable

[@fframer1]

well, thats a $100k truck. Most people who have them use them for their business and can use it for a tax right off.

[@PInk77W1]

$35000 in cc debt is roughly $380. A month in interest before the first $1 is paid down

[@barnabusdoyle4930]

Closer to $600 a month. Even at 18%, that’s 1.5% of the balance each month in interest which would be around $400 and I doubt the card is at such a low rate. 24% is 2% of the balance each month in interest

[@PInk77W1]

@@barnabusdoyle4930 I was trying to be nice. Yikes

[@joshua1935]

@@barnabusdoyle4930I’m sure it’s around 29%

[@michaelb.8953]

I have a CC that up until I paid it off had a $25,000 running balance on it at 11% at the time (not now as interest rates have risen) with a payment of just shy of $500 a month so I would guess this guy's total payment would be closer to $700 a month give or take with today's interest rates.

[@kendrapratt2098]

I think Dave died a little inside when the caller said it’s a Silverado🤣

[@commonsenseisntcommon1776]

but is it a 1500 2500 3500? There are lots of silverados, and what trim level?

[@sw6155]

I felt the pain too… Oof… 😓 😅

[@kendrapratt2098]

@@commonsenseisntcommon1776At $970/month, hopefully it’s top-of-the-line!

[@austintomkewitz3981]

​@@commonsenseisntcommon1776 that's like telling your family your gay and then they ask well how gay are you do you do butt stuff or mouth stuff and you say both 😂

[@zachaddington5264]

Me too I’m a Chevy guy

[@pawelek7]

Don’t buy semi. Freight volume and prices are dropping like a rock. I drive for one of the biggest LTL and have friends who are OTR. Don’t do it.

[@bbkyjohnson]

Just make sure your attorney does the paperwork right!! My attorney screwed up the paperwork and my ex got my truck and $9k which was the agreement then another $18k she was never entitled to!!

[@biggamer8655]

She probably paid off or slept with your attorney or a mix of the both.

[@HootieWhox]

This is great advice from Dave!

[@Hughjanissssssggg]

Imagine having a $900+ truck payment with $30 in the bank… wow

[@BobbaFett312]

🤯

[@linkbelt111]

I have men working for me (several) that are in that same boat, and they don’t even realize how clueless they are.

[@roolyfe]

Lmfao 🤪

[@shameekasimon]

Can you say Panic Attacks!!!!

[@redfox_84]

not to mention 35k in credit card debt

[@nicb8723]

This is exactly why I’m not interested in getting married. It’s hard to find fiscally responsible people who you’re compatible with and like being around. No thanks. Being single is drama free and wonderful!

[@DC-jt9py]

I found me a Christian woman who shares my faith. In the ever increasingly godless society you need shared values. I don't know where to find those outside of the church.

[@crowtservo]

Yep, I have a friend who got married at 22, divorced at 24. He’s now 45. He’s had a few girlfriends since the divorce, but nothing longer than a year. He told me that he’s never letting a woman have that much control over his life again. Every girlfriend he’s had breaks up with him when they realize he’s serious about never getting married again. If you like having control over your own life, never get married.

[@MountainMan.]

I've found Christian women have the same worldly standards as non-Christian women. They want a guy with big money, big muscles, or both. They're no different. @@DC-jt9py

[@Loljjkb]

No, do not get married or have kids. The idea of having a big family, so when you get old you will have children to take care of you is a big ole LIE. Most people die in a nursing home regardless of how many children they had.

[@Loljjkb]

@@DC-jt9pynot all people believe in your imaginary friend

[@juliejohnson5724]

I love the way Dave gives wonderful wisdom and common sense advice❤

[@Yogastrong908]

Dave’s biggest mistake is assuming a judge will split everything 50/50. Most judges won’t. She’ll get 75% of the house and 401K and he’ll get 75% of the debt. His lawyer doesn’t seem that great either.

[@amireallythatgrumpy6508]

Most judges will keep it ALL for themselves. That's how divorce court works in America.

[@mikenelson8377]

Not every lawyer is actually good. Some just flex the title of a lawyer but aren’t good at their job.

[@eos_2366]

That’s only if child custody is in involved. There’s no child involved so most states should do 50/50 for that matter.

[@mikenelson8377]

Also, what I meant by ‘not good’ is not every lawyer truly knows the law that they study. It’s merely an interpretation aka opinion of the said-laws. Don’t get me wrong, lawyers know more than the Average Joe or Jill but they make mistakes too and it’s up the judge to decide what to believe. However, the Judge doesn’t always make the right decision either but that’s another can of worms.

[@michaelpalumbo4880]

If it were a woman calling he would tell her to get the "meanest" lawyer that she can find. Ramsey is a joke.

[@smokinhalf]

I gave the wife the car no payment. My ex said well I get the car and I will not touch your 401k damn good deal. She left me the house and the payments almost painless. Half of my bank accout thats ok. my 401k is safe thank goodness

[@thekidblack111]

The way Dave lit up when he said what kind of truck 😂

[@Angelo80907]

“The problem with divorce is, it turns a marriage into a business transaction.” Oh Pappa Dave sadly we’re living in different times. He signed that contract the day he got married he just didn’t read the small fine prints and he’s a truck driver he definitely was getting cheated on while he was away he just didn’t caught on to it. That woman wanted the divorce once she was sure the grass was greener on the other side. Three years and no kids she wanted out the first year of marriage she was just waiting for the right time.

[@brianfl33916]

A 2023 Ram tradesman trim, 4 door, V6, 4x4, and cloth seats now has an MSRP of $49k. That’s at least $900 a month car payment depending on the rate. Truck prices are out of control.

[@fframer1]

Nobody in this comment section seem to know how much trucks cost these days. $80k for a 1500 and thats not maxed out with trim,options.

[@classicxl]

@@fframer1 💯 agree with you that no one in the comments understands what vehicles cost . A used 4-5 year old half ton pickup is still going to be 20k plus if it has low mileage and with higher interest rates on used vehicles vs a new one you’re no better off . Another thing that’s bugging me is all the comments that most pick up truck owners don’t tow or haul anything. i do with my 2022 colorado, i’m towing a side by side with a trailer and use the bed all the time . this truck that almost a base model was 44k . trucks are not cheap unles you go 10 years plus and then your doing repairs

[@RafaelHernandez-vt8fu]

I owe $10,000 left on my car. Very good car. I got the itch to buy a new truck since the dealer was offering me some good equity in my vehicle. Was about to trade it in and my 6yo said “daddy you don’t need a new truck” I listened and left. So thankful she said that.

[@CHAPOLEEN]

i was 70k deep in debt at 20 i have 2kids and a wife who was also 10k deep in debt im 27 her birthday’s tomorrow she turns 28 and we’re debt free “GOOD THINGS ARE COMING”

[@NFStamper]

With laws like this, I can't understand why marriages and thus the family is falling apart in this country…

[@ThePatriotPirate]

Dave, $740 was the national average for a new car payment a few months back. This is only 25% more than that, all trucks cost this much now. What has to stop is the price of vehicles going up because in case you haven't been looking around, there are no cheap ones anymore. You can expect to pay 15-20K for a very very POS used one now. Prices doubled to tripled since Covid. Most trucks new are close to 100K now out the door.

[@bighuskermav7175]

We paid about $740/month on a 36-month 0% loan back in 2018 for a Dodge Durango, and that was after about a $10,000 down payment. $900 doesn’t shock me at all.

[@VchaosTheoryV]

For a truck around 600-700 in monthly payments, the mileage exceeds 140k pretty regularly from what i've seen. A 7-950 truck payment seems like the norm now for a fairly newer truck. This is why i strayed away from Dave is because of the disconnect from the everyday person the more our economy slips.

[@mattyb1030]

Since biden took office, but dumbies keep voting democrat

[@yamamancha]

Maybe don't buy a new vehicle? I don't understand how people think it's better to go into massive debt at crazy interest rates rather than buy a reliable used car for $10k and then pay a qualified mechanic $3k to $5k for a complete overhaul. If you have the cash, sure, but most people seem to be needlessly drowning themselves.

[@jmizzonini]

@@yamamancha Reliable car for $10k in the post-covid economy?... In that price range you're talking about cars with 70-90k (average) mileage. $5k could cover complete suspension wear and tear replacement, brakes, tires, other minors. But any engine issues are a whole different ballgame. Buying at that price you're adding an element of randomness to if you get a car that lasts 50k miles without major issues, or 10k miles before you're in the hole for a $9k trans. Especially if you buy a Chrysler/Stelantis product .. lol (I'm a mechanic)

[@michaelkirkland6759]

I've been there good luck brother

[@robertjeffery6100]

Yup Dave’s 100% correct

[@grantv2313]

When you buy a new truck nowadays, there’s literally about $11k to pay for on top of the actual truck you’re buying. Taxes, fees, GAP insurance, delivery charge of nearly $3k, dealer profit. Not a shocker he’s not ahead on a 2023.

[@jasonk446]

And this is why I never got married. With such a high divorce rate, added to the ex getting half of everything I worked hard for, it's just not worth the risk. I'll just date forever.

[@aa777flyer]

Gosh, my car payment is $336 and I hate that.

[@carlaritchie331]

Right! I thought at first the $970 monthly truck payment was for the semi tractor he drives for work.

[@aa777flyer]

@@carlaritchie331 Highest car payment I ever had was $430 @ 1.74%APR. I still was freaking out, I ended up paying it off in 3 years

[@tombkk1322]

@@carlaritchie331It’s amazing that these $1,000 car payments are actually quite common these days! For the life of me, I cannot understand who would do it.

[@radolfkalis4041]

My MORTGAGE is $500/month, I cannot fathom a normal class street vehicle being almost $1k/month.

[@aa777flyer]

@@radolfkalis4041 I am jealous, my RENT for a small 1BR apartment is $2500

[@sophie20001]

Great call and advice.

[@f.j.c4444]

Hopefully, he did his research on the current market freight rate. It's not a good time to buy a semi-truck..

[@mattm597]

It's good advice, but like most of Dave's dealing-with-debt advice, it's pretty much common sense. I find it kind of amazing that people actually have to be told this stuff. Selling the truck would is an absolute no-brainer. I would have already been all over that.

[@johnlanier3616]

Not to be mean, but people are stupid.

[@benjaminoechsli1941]

As Dave said, the caller is going through a lot of emotions right now. Logic isn't as easy as it should be. That's why we have experts like Dave we can come to for help.

[@patriciaalbertson5183]

Ahhhh... Or, never gotten in that position to begin with ???

[@jason76065]

I really feel bad for the guy, I had a similar situation. A two-year marriage cost me $31,000

[@markg999]

Nobody should have a $1000 car payment...its ludicrous. Save up and buy a vehicle cash like an adult.

[@carlos33193]

Lol, what difference does it make if I have to save 1000$ a month for 7 years just to buy that same truck cash? They don't get any cheaper just because you saved for it.

[@markg999]

@carlos33193 Well for one your not paying interest. Also if you pay cash you'll spend less usually as most just look at monthly payment not total loan amount. Hurts more writing a big check than just financing for 60+ months.

[@aolvaar8792]

@@markg999 0% interest???? My employer requires that you can be at work in 30 minutes.

[@rons2079]

The whole idea is to not have a payment. The difference is to save your money from working. $30 in the bank and 35k credit cards, $970 a month truck payment,…….. poor guy can not even breathe. Take a trip to Latin America or SE Asia if you want female companions. The average US woman today is the size of livestock with short hair and a bunch of ugly tattoos. Not feminine or agreeable. I bet if you saved $1000 a month for 7 years you would not want to let go of it to buy the truck in the first place. Getting credit cards and buying anything you want is a recipe for being broke like this poor guy. Then for dessert he gets the pleasure of his wife ham stringing him and giving her half his little net worth.

[@aolvaar8792]

@@US_ARMY_25_INF._DIV. A stripper truck ~$50K

[@lifehappensfast_21]

My brother finally got over the hump at 45 with 250k + in residual income. They went from no car payments to 3 payments of almost 3k monthly🤦‍♂️🤦‍♂️🤦‍♂️

[@SammiFidel-so5tx]

Transition 😮😮😮is the whip for all

[@Blessed2024.]

People $600- $900 car payments now a days is the norm. If you want to drive a good car that is going to be reliable or last 5+ years.

[@CMM-sv8xk]

It’s always a business transaction. And doesn’t work out most the time. Huge liabilities. In 10 or 20 years marriage won’t even be a thing.

[@amireallythatgrumpy6508]

Nor will having children. By 2100 the American population will be back to where it was in 1900.

[@handleyobusiness]

So, society will be a bunch of broken families that don’t give a F about each other. Hopefully I’ll be in a grave by then.

[@gesalbte]

In 10 or 20 years, young people will increasingly seek Islam and Christianity as a bulwark against all this chaos. In 100 or 200 years, nearly all the population on earth would be traditional Muslims and Christians.

[@andycompton8452]

“We were making $250,000 a year and I was putting my part in my 401k.” So you maxed it out at $20,000 a year. Where did the remaining $230,000 go? It sounds like you both were the problem.

[@dannylengyel5830]

All the expenses that go along with running a semi plus taxes would be my guess.

[@jared6361]

@@dannylengyel5830 they were probably team driving for a company. There are no expenses when driving a company truck.

[@Trex_TIF]

He threw that buy a truck and over the road at Dave. He doesn't need to buy a truck to go otr. His thing is he needs to go otr. Get rid of the house car motorcycle everything and bank money

[@hedgiegal3340]

I agree, there's a lot of money unaccounted for here.

[@FortuneSeek3rz]

I have a theory that only about 10% of the callers that are on Dave's show actually tell the entire truth. They're not technically lying, but they never go into every single detail.

[@AcuraAddicted]

Just one to remember: a $970 payment today is a mere $485 payment in 2021's money.

[@richarddixon6352]

Financially unsophisticated people often spend until they won’t qualify for another loan. While the millionaires are extremely unlikely to have a $970 truck payment 😮

[@curiouscat3384]

This is so sad - I'm sorry Corey. Dave's strategy is so so GOOD so do as he says to the letter and you'll recover in quick order. I'd also pick up a part-time job meanwhile to push forward on the debt faster. Stay focused on the numbers rather than the pain and resentment. Hopefully your lawyer can help you avoid making any mistakes like acquiring any new assets or how to force the sale of the house.

[@privateinfo1711]

I think Corey needs to be a lazy slug until the divorce is final.

[@sbenn6917]

The moral of the story is, don't get married.

[@rahimcastro10]

Moral of the story - don't get married

[@blackworldtraveler3711]

Yup. Never sign a contract where the other party benefits from breaking it.

[@rahimcastro10]

@@blackworldtraveler3711lol exactly

[@ericeandco]

Prenup.

[@tracymerriman3996]

​@@ericeandcolately prenups have been getting thrown out. Be smart, never say I do.

[@deirdrekiely6187]

Or pick better partners.

[@wyqid]

My brother did something similar. He was making 35k a year and she was making 85k. They had something like 60k in debt, 85% of it her credit cards. They split the debt evenly due to his emotions, even though she made double his income. She got a new husband who also made like 80k a year. His new lawyer took it back to court and she had to eat almost all the debt with her new household income vs. his measly 35k a year. It was costing him $850 a month to pay that debt.

[@mikespain8655]

Well said, very good plan!

[@tttray4258]

Prime example on why men shouldn’t sign a contract that rewards the woman that break it 💯💯

[@asimskentzos9231]

he was in debt before he got married, so credit councelling is needed, lots of men have broken contracts as well.

[@jme92685]

Anyone who can talk shit about a guy choosing to be single after listening to this?! Stop projecting. We all know you’re trapped in a marriage you wouldn’t have gotten into if you had it to do over again.

[@topsykretts2264]

Be careful who you get married with. No one’s perfect but you can definitely set you and your future spouse up for more success when you’re careful.

[@blackworldtraveler3711]

One of the most terrifying things about marriage is no fault and that a woman can say something as simple as “I’m not happy” and take at least half your stuff and weaponized the kids against you among other things.

[@deirdrekiely6187]

@@blackworldtraveler3711 Should she stay if she's not happy??

[@mplslawnguy3389]

Sounds like these kids are two peas in a pod. Neither one of them will ever get ahead. They will both be in debt their entire lives and own nothing. You can just tell.

[@alinatamashevich3354]

@@deirdrekiely6187 None of them are happy, too many Chad's and Tyrone's out there

[@blackworldtraveler3711]

@@deirdrekiely6187 I didn’t say anything about staying. When did leaving stop someone from taking half, delaying court proceedings, creating drama, weaponizing kids,etc..?

[@michaelm4514]

paid my house off in 3 yr driving OTR. (64k) so 35k is nothing. My tacoma is paid off, I have cash and no debt. 35K can be paid off in about 2 years OTR

[@idaho_7407]

Solid advice Dave.

[@furiousrobinson]

Spending $1k a month on a truck? People don’t value life that can’t be fun making less than 30 an hour for what!!?

[@johnnydoe9969]

Put everything in a trust fund to avoid situations like this.

[@ysykes489]

This was great advice Dave! I've been in this situation, hopefully he gets his ducks in a row before February! The truck needs to go bye bye...that's more than my house payment! EGADS!

[@joaniehowan8321]

My grandparents lived on a very fixed income. My grandfather had a heart issue and worked till he couldnt. They raised 2 children helped a big family in need. I learned from these wonderful people. I can throw a veggue bag and some seasonings in a crock pot. It is so good. You can do it.

[@matthewhowe3727]

My 2008 Town and Country has 202,000 miles on it and my wife of 26 years has a 2006 Trailblazer with 156,000 miles. Both paid!

[@selenajack2036]

The most important thing that should be on everyone mind currently should be to invest in different sources of income that doesn't depend on the government. Especially with the current economic crisis around the word. This is still a good time to invest in various stocks, Gold, silver and digital currencies

[@brandywhite9317]

The key to big returns is not big moving stocks. It's managing risk in relationship to reward. Having the correct size on and turning your edge as many times as necessary to reach your goal. That holds true from long term investing to day trading.

[@cloudyblaze7916]

Even with the right technique and assets some investors would still make more than others, as an investor, you should’ve known that by now, nothing beats experience and that’s final, personally I had to reach out to a market analyst for guidance which is how I was able to grow my account close to a million, withdraw my profit right before the correction and now I’m buying again

[@roddywoods8130]

Please can you leave the info of your investment advisor here? I’m in dire need for one

[@cloudyblaze7916]

@@roddywoods8130 Mrs Marisol Cordova really seems to know her stuff. I found her online-page, read through her resume, educational background, qualifications and it was really impressive. She is a fiduciary who will act in my best interest

[@bsetdays6784]

Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with

[@jaysonmoseley6569]

30 bucks in the bank ks CRAZY!!😂😂

[@TheSoulCrisis]

Try $0 or -$35 Broke people problems 😂😂

[@austintomkewitz3981]

​@@TheSoulCrisis*poor people problems* Ps. I hate poor people

[@patriciajoy23]

I love how he says he works five days a week. same here.

[@johnc2438]

Working FIVE days a week?!?!? The HORROR! 🤣

[@jondoe4381]

A truckers 5 days is usually 60-70 hours

[@JustinCase780]

You ever get up well before dawn to go to the airport and you see trucks. That's him. He's not punching it at 9am. 😂

[@Shortballa11]

@@jondoe4381thanks for explaining this. it went way over my head

[@dannikay5959]

Great call

[@novaguy509]

People need to stop paying new car/truck prices period. $100,000 for 1/2 ton truck is ridiculous.