Top 10 Unbelievable Calls on The Dave Ramsey Show (vol. 2)

[@TheRamseyShow]

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[@Miaonroblox]

The Dave Ramsey Show I been hearing about a movement that is called THE FIRE MOVEMENT that means financial independence retire early

[@bootnocks1]

@@Miaonroblox I'mi

[@common_c3nts]

The average salary for family medicine is $200K a year. I dont really believe this stat, but it says that psychiatrists make around $200K a year.

[@TechConversations]

@@common_c3nts Average is like after 5 years at least, not starting.

[@common_c3nts]

@@TechConversations But that is way more than real doctors like pharmacists, foot doctors, dentists. Makes no sense.

[@ReggieR3gg]

Anytime I think im broke i listen to this show and all my anxiety goes out the door

[@Tessatopiia]

Reggie J hahahahaha

[@Jaycee3]

If you really listened to the show, you wouldn’t be broke. ;)

[@k8schmate]

yeah I feel like a millionaire after listening to this compilation

[@crystalianike]

same here thank god after Robet Kiyosaki, Mike Maloney, I endup here

[@Havanah2006]

Haha was just thinking the same thing

[@igrifftv6633]

Just paid off my car yesterday officially debt free. It’s a good feeling

[@Becca_Lynn]

IGriff TV congrats!

[@Lavida-melody]

IGriff TV I start my first car payment on January 30th. I look forward to the day I am debt free!

[@seleneledezma3543]

Congratulations 🎉

[@sherylchapman7809]

IGriff TV congratulations ‼️

[@TheRealSlimShady509]

Melody Outhaithavy why in the world would you get a car payment.

[@wildflowersmile3224]

Before this video: Feeling poor driving around my rusty old car. After this video: Feeling smart driving around my rusty old car.

[@Uhhlaneuh]

Sandra Chatwin cars are the biggest waste of money!!

[@foxdylan9536]

Sandra Chatwin absolutely, people are mad they overspend to a ridiculous degree on cars

[@bryanburke7947]

Rusty old cars are a badge of honor....Dont laugh its paid for...lol.

[@satirical_snake]

Financial security > flashy cars

[@gravytrain416]

AMEN! I've driven Mercedes cars for the past 24 years. Bought my first one when I was 19. But not new ones; OLD ones - 1980s diesels. Back when they built good cars. My daily driver is 37 years old, paid for, restored to near-new condition, no emissions inspections, no check engine light, just a solid old car that any idiot can work on himself. I have another one with 752K miles on it. Good old cars back then. I see the flashy newer cars pass me, and I smile, imagining how much their payment is every month, lol!!

[@3864267]

I thought my dad was being mean when he wouldn’t let me take out student loans. I lived at home. Local university. Part time job. I wish I could thank him but he saw me do well before he passed away 💕🙏🏾

[@apmire]

He’s proud of you. Take care.

[@alqoshgirl]

Im sure he was proud of you! ❤

[@stuflikethis]

What a gift of wisdom he passed down to you

[@mariahsmom9457]

That's a good dad.

[@supremelotus6227]

Your dad knew what was up 🎉

[@Quemiibo]

His voice is so reassuring that I listen to these while cleaning my apartment and feel productive and financially motivated at the same time!

[@andrewf4623]

Same hahaha clean the house and clean the mind

[@peppersaltman1805]

Its therapeutic.

[@w.e.2139]

😂

[@beloved1731]

I listen to him while shi**ing 😂😂. Shi**ing has never felt so productive.

[@sharondagriffin465]

Quintin Espinosa same here I thought I was weird 😅

[@boothman9321]

Dave makes me feel responsible for debt I don't even have

[@preciousantonio9985]

Hahahaha!! 😂 this is great

[@aseseminars]

Omg this is amazing. So true 😂

[@yasminogbu8929]

😂😂😂

[@wizkhalifa9401]

Lmao

[@claudiaherrera2395]

😂

[@christiansgrandma6812]

Yesterday, I was feeling ashamed that my car was the oldest in the parking lot. Today, I'm so thankful I don't have a car note.

[@Saxdude1984]

I'm an accountant and have always found hilarious driving my beat-up car into accountant's meetings, surrounded by vehicles worth up to 200x mine. Most vehicles depreciate, so I've invested in property, as that appreciates in value. I've never owned a vehicle that I've paid more than $5,500 for. We currently have three vehicles, and combined they're worth less than our most valuable home asset: our piano. I don't charge the earth: my hourly rate is lower than most in my profession. But I'm happy dealing with little people and sleeping well at night, knowing I've done my best at my job. :-) Years ago, I lost a client as I told them (they were in their sixties) that they needed to sell their 'prized possession': their vehicle 100% financed that they paid $60,000 for, and which was sinking them financially, and they only used 'for fun' once per month. Sounded nuts to me, so I told them so, and they told me I wasn't doing my job properly. I'm sure they're still complaining about not getting anywhere financially.

[@Bellaxcharlie-p4r]

It’s paid off!! You’re winning!

[@Mr99Burns]

Hooptie

[@skyisthelimit3255]

You can't take your cars with you in the end

[@heidibuchanan8369]

I told my kids in thier teens that the guy driving the rusty car was probably better off than the guy beside them in debt up to thier ears. Don't fall for marketing telling you what's cool. Thier the devils workers.

[@mrsh2167]

Dave knows how to advise callers, when the debt is all their own fault, which it usually is. But he also knows how to counsel and console ppl. He hits the nail on the head 99% of the time. He is a gem

[@robvilletto3146]

After listing to this... I feel better than I deserve.

[@mollyknight269]

😂

[@tman4534]

😂😂😂

[@wendyvilla7811]

😂😂

[@N7-WAR-HOUND]

Right?

[@iBeBryanna]

Same 😂😭😭😭

[@twilson2605]

Just stumbled in this channel today. This man pulls no punches. "Sell the car......that was stupid". 😂

[@Zichqec]

Oh yes, Dave is so great to listen to, well informed and straight to the point, but when someone calls in who needs gentler advice he's capable of giving that too. He's the old fashioned advice we all need. I'm so glad he's put so much content on youtube for free, it's helped me a lot to learn about personal finance and get a solid plan for my life

[@TechGorilla1987]

@@Zichqec Back a few years ago (I am dating myself here) there was a fella called Bruce WIlliams on the radio. He did the same ad Dave, but a little drier. I cut my teeth on him but when I met my best and only wife, she invited me to her guest seat at a Financial Peace University sponsored by her brother. How could you NOT love a woman that can save! Dave is excellent.

[@Fingolfin3423]

It's what stupid people need to hear.

[@cellogirl11rw55]

She got swindled into it by the dealership. That's why I never take my car to dealerships for repairs.

[@MrSuckeragi]

that was savage, but absolutely true. "Tell me you know that was stupid, right?"

[@BudderB0y2222]

We should get a "Where are they now?" episode

[@davidreynolds3709]

Brendan Berney hahahaha yes

[@rob879]

Spoiler alert: all of them are in even more debt.

[@fairarthur]

😂😜😜😂

[@IamtheGL]

Dawn, Tyler and NoRtHwEsTeRn

[@remremivarte2084]

Brendan Berney yaaasss tho.. op u kno whats up 👍🏼

[@banesauce7754]

Listening to all these student loan debt stories confirms that I made the right choice doing an electrician apprenticeship which i didnt have to pay for and now im 24 and I earn over 200k a year. 👏 Thank god I always hated school.

[@annehajdu8654]

Thank god.

[@dynaryda8857]

What kind of electrical work do you do sir

[@BlackStump172]

You still worked and studied ! Smart .

[@GauravSharma-j2o]

School definitely is not for everyone and it can cause debt if you jump in blindly. However if you get a degree in a high paying career, you can pay that debt off easily with your income. This is especially true if you take study seriously by not flunking subjects and semesters, working a part time job while you study and paying it off as you go. Everyone in my family has followed this formula and been successful with it

[@exdee__]

Where tf are you making 200k as a sparky that doesn't sound right

[@kodyeldridge5847]

I constantly think i'm broke and the sky is falling and i'm never gonna get ahead in life, and then i listen to this show and my problems seem minuscule.

[@UneakTershai]

Kody Eldridge me too hahahaha omg 🤦🏾‍♀️🤦🏾‍♀️🤦🏾‍♀️

[@AndreeBZ]

Taking confort on other people’s issues does not fix your own. Use them as a cautionary tale. 70k in debt 3 years ago... 20k left to go.

[@MasterNochi]

Yeah! Let that ego grow baby! you need to dream bigger buddy

[@msshawn4048]

For real. I need to continue listening cause I am not trying to be on their level. Bout to workon my debt TODAY before I call in sounding like them.

[@TheDonYG]

Look into land flipping.

[@willcoggins6155]

A valuable lesson to be learned here: choose your life partner WISELY

[@matthewandrade1893]

Better option sign a prenuptial agreement or don't even get married.

[@mandiesholly939]

Right! I always question why these women want to marry men who have hundreds of thousands in debt. Hypergamy sweetie and have your own thing going SMH.

[@dylanrodgers7223]

I’d like this 100 times if I could

[@ffsdungy]

hey there Will i have a quick question for you

[@dylanrodgers7223]

VP7 exactly. Not sure why people can’t be together til death without a legal document that says “here’s half my belongings.”

[@stevenlandaverde4600]

24 years old and never been in debt. thanks to the advice of Dave Ramsey. I'm a truck driver and listen to Dave all the time.

[@SuperSimpleasthat]

Uneducated peasant

[@EliWallace154]

SuperSimpleasthat Dude, your sick. I legitimately hope you never mess with anyone again. This man is letting us know about his success and your hating? Please go to a Facebook conversation and stay off of this mans success!

[@MrJohn-kb1eu]

I drive a truck too. Never been in debt and put away 22k my first year, that's with a starter company. It's crazy to see the amount of debt people incur to make the same amount of money we do...bunch of suckers

[@unisonosc1617]

Dude you are a hero! Hoping you preach this to everyone around you.

[@datboiashy2957]

@@MrJohn-kb1eu they aren’t suckers, they’re misinformed or uninformed. That’s why they call for Dave’s advice. Just because you made a good decision against the grain doesn’t mean no one follows suit. Some people are just need a little push to become better and it’s a little disappointing you’d even call them that instead of being informative. But good for you

[@Albertdoessomething-df9vr]

"I don't know why we have not being paying bills for 6 years" what an answer from an adult🤦‍♀🤦‍♀

[@Gemmarose9012]

She didn’t want to say why. She knows.

[@jacquelinepaige-hammond3548]

I'm speechless 🤐🤐🤐

[@calgal5752]

IKR! What are they teaching their children? I’m speechless

[@maegandiagostino985]

Seriously

[@Brooklyn-rj3np]

They are stealing and ok with it

[@bigsalad3936]

Jay Z once said, “If you can’t buy it twice then you can’t afford it once”. Best financial advice I ever received lol.

[@singatias]

that's actually pretty good advice

[@JoshGavin]

Put a shirt on

[@1998Disturbed]

Pretty good and lines up with Dave teaches minus a house lol

[@bigsalad3936]

@@JoshGavin sorry sir.

[@bigsalad3936]

@@singatias absolutely

[@shannonyoungberg9327]

You can make 20k a year or 200k a year, if you don't have a budget you'll always be broke.

[@mikeymike2552]

I've seen it first hand. Struggled making 40k and then got a job paying 120k and they still struggled

[@newtonraymond77]

Not necessarily, I don't budget but I live on less than I make I'm debt free except for my house, I save and invest, plus I have nine months of expenses in cash. If you stay away from senseless spending you won't be broke. I'm allergic to debt right now

[@newtonraymond77]

@@xPRODIGYxGAMER I see your point

[@wingberry123]

So TRUE! It doesn't matter how much money you make, it's how well you keep it.

[@wingberry123]

@@newtonraymond77 living on less than you make is pretty much budgeting. Budget meaning: An estimate of income and expenditure for a set period of time

[@T25de]

Can’t afford 2,000 to fix a Ford Fusion Buys 20,000 Ford Fusion

[@billgateskilledmyuncle23]

No way that would cost 2000 unless she went to the stealership.

[@robindear5043]

The cost to fix her Ford Fusion would have conservatively been only about $600-800. Why in the name of all that's sacred she would get rid of that car to buy a $20,000 Ford Fusion? If I heard right, wasn't the "newer" Ford Fusion only a few years newer than the car she got rid of?

[@billgateskilledmyuncle23]

@@robindear5043 it's a woman thing and an emotional decision. I remember when my mom's water heater went out and as we were mopping up the water because the tank busted, she started shouting that she was going to sell her house. I told her that's like selling your car over a dead battery. If women would take an interest in fixing things themselves, they would think more analytically. The only way to have a car that never needs brake work is to not own a car or trade yearly.

[@robindear5043]

I think she was being shortsighted in her decision, and now regrets it. It may have taken a few days, maybe even a few weeks, but she could have inquired around and found a mechanic or shop that could've fixed her car for a reasonable price. I have known just as many men who make emotional, "spur of the moment" decisions, then later, after the smoke clears, they regret it. This has nothing to do with gender. Will she negotiate with the dealership to return the car, even though her 30 days have passed? I doubt it. She didn't mention it, but I wonder if she traded her car in for the $20,000 one, or has it sitting in her driveway?

[@l337Jeff]

most people are clueless about cars, a break down in high school and even college education

[@asmaalenezi6345]

" I'm not a dream killer. I'm not a dream stealer, but I'm somebody that tries to prevent nightmares from occurring " That should be written in bold at the begining of each episode

[@kays3599]

One of my good friends is from Singapore, I'm American. I was telling her how I'm paying off credit card debt. She goes, "How do credit cards work?" I said, "You don't know how a credit cards work? Don't you use them?" She was confused. She said, "In Singapore, credit cards are not popular there. If we can't afford something, we just don't buy it." ....... I was dumbfounded.... Remember folks, common sense is not always common practice!

[@bibaoreo4355]

Wait, I just realised by reading your comment what a credit card is in America. You can buy something even if there is no money in your bank account?

[@chairmandrek8230]

@@bibaoreo4355 yep. You run the credit card and another company pays for the item there at checkout. At the end of the month you either pay that company the money you owe, or they start charging insane interest on it. If you aren't incredibly careful about it, which %90 of us are, you lose a ton of money using one

[@queenw9540]

I am from Malaysia and working in Singapore currently. most of my friends from Malaysia and Singapore r using credit card for gas with discounted price and buying stuffs with discounted price only. If that thing is too expensive than what they can afford, they won't buy it. For my personal, I just don't use credit card cos I dun need a car.

[@Art_by_Nicole]

Don’t mind me asking, but what is so mind baffling about that?

[@boston312]

in most countries they dont use credit cards. Its an American thing

[@georgewhitev7900]

Woman: *breaks down crying* Dave: What's your household income?

[@ronb357]

🤣🤣🤣 I said the same thing....too late to cry now

[@jaredhingle8607]

Lol

[@innovateandinvest]

😂😂😂

[@videochanneld841]

😂

[@ElevatedAgenda]

You can't cry problems away.

[@katrinacripps1017]

I LOVE how honest and blunt he his. "That was stupid"

[@brooklynn6499]

Sometimes too blunt.

[@fluffernutter0923]

Me only a $1000 in debt feeling like I’m drowning , I watch these and feel blessed

[@Mafr0]

They should play these videos to school children - get them scared about the realities of debt

[@TheNurplePurple]

Mafr0 nah let the stupid suffer, the intelligent will already be aware of this. It's basic common sense lol

[@ryenkimball8168]

They do

[@bnzimusa]

Mafr0 or life 😂

[@sydney45]

I've seen a lot of talk about school districts adding a Financial Literacy class. Make everyone do a book report from one of Dave's book.

[@dks13827]

marxist teachers would help our kids ? No.

[@gototheantusluggard2644]

I’m from South Africa 🇿🇦 and I got hold of ur material on KZbin . I Started listening to Dave Ramsey about 3 months ago , bought his book online and finished reading it . I’ve saved up my $1000 emergency fund and I’ve got about a $1600 of debt left before I can debt free.....all thanks to you

[@jamillahtunstall6206]

Oscar Ntsintsi of

[@mcshawnboy]

My best friend went to Cape Town for a speaking tour and along the way met his wife. I have met so many SA folks in the US and I have respect for them as we were once like them, but our culture has changed and we are not as strong as they are. I have been fascinated with the nation and have been learning Afrikaans language going on 2 year's on Mondly Language App. I have been #1 in the US a few times and I know thousands of words, a few hundred phrases and enjoy learning more. I don't know if I will ever be able to do sentence structure or Grammar well, but I hope when his wife is here that we can both teach one another language. What part of the country are you in? What type of work do you do? 🇿🇦🌝

[@jehoramisrael7374]

The saying goes “someone always has it worse than you” lol now I believe it!😆😆

[@cumberlandquiltchic1]

6 years later, listening to this. Let’s fast forward these situations to now. 😂 we need follow ups in this stuff. Before and after. Would be a great series!

[@imnotpurestr]

7 years later and I still agree

[@ktylonox8646]

This show makes me feel like I'm on top of my finances... now I've got to go watch hoarders so I won't feel bad about not vacuuming the house today. I got this. 🙄

[@jenlya3783]

Bahahaha! Thanks for the chuckle!

[@kendylopez1306]

🤪🤪😁😁

[@veemedina7857]

Absolutely!!!! Lol I feel like a very responsible person 😂 and I DESERVE a day of not vacuuming 😂😂😂

[@seadragon1456]

SO FUNNY!!!

[@cari0783]

Lol

[@yoanabetances]

That girl is not bringing back that car

[@EricSmyth4Christ]

And you can tell it's within the 30 days too!

[@millertoyal]

Her Pride will not let her. She's probably bragged about it all ovr social media, kill her to not live her wonderful Lie.

[@shepardbrostv]

@@EricSmyth4Christ ummmmmm, I think I just missed it 😂

[@leilanidru7506]

EricSmyth14 ik😂 she hesitated for the loooooongest time and seemed like she was trying to decide when exactly the 30 days was up. Plus She was really nonchalant about the stupidity that was the decision to buy a car that was greater than her yearly salary on top of student loan debt that was also approx her yearly salary. So yea, she’s probably not gonna return that thing.

[@brooklynn6499]

She need to take it back, but to buy something for a $1000, probably won't work.

[@watcherglowcloud]

My 1st grade brother saw his teacher during Spring Break, and she asked how he was doing. He responded "Better than I deserve." The teacher looked at my parents and started laughing. "It's never too early to teach them about debt."

[@user-qr7eb1sf3l]

gia stone what is a first grade brother?

[@watcherglowcloud]

@@user-qr7eb1sf3l My brother would be in year two of primary school in England, I think. The US does everything differently and I hate it.

[@garretteckhardt6665]

@@watcherglowcloud saying "1st, 5th, 12th grade" is much easier than "first/fourth year of primary/secondary/whateveriary school".

[@KatieBellino]

@@garretteckhardt6665 I agree. I think this is something American's do that makes more sense than how they count the grades in the UK.

[@archie4141]

MsClarinut in the UK I think it’s much simpler ( fair enough it’s how I grew up ) but it’s just year 1, year 2 all the way up to 11 then you go to college or sixform which is classed as year 12 and 13.

[@southfloridaoutdoors1091]

Big props to Mercedes for holding their salesman responsible for proper treatment of customers 👏

[@tobinskaggs5263]

That caller was tony swedberg, hes a car sales youtuber

[@AnonymousQwerty]

Thank God they fired that fraud-committing scumbag!

[@gamatoutsikos]

@@tobinskaggs5263 seriously?

[@keaten52]

Yea I'm glad Dave didn't let him get away with that

[@stevenswisher4339]

Car fax is a scam.

[@DrOrtmeyer]

She makes 28k She has 29k school debt SHE BUYS A 20K CAR.

[@PointBomaN]

A good salesman.

[@Faluthe]

Unbelievable!.

[@Elizabeth-yg2mg]

How did she get a loan if the car = her yearly income?

[@davidreynolds3709]

Austin Russell Yeah, there must be a great salesman behind that.... Might have never thought of that, thanks Austin

[@konye618]

@@Elizabeth-yg2mg anyone can get a loan. You don't even have to put money down 🤦🏾‍♀️🤦🏾‍♀️

[@Gambit2483]

There are people that are bad with money...and then there are Dave Rhamsey callers 😂

[@dmitriyr4095]

Touché

[@robt3407]

Poor men are being tricked into marriage to become financial rescue plans.

[@kitabae25]

😂😂😂

[@fogandwhirlwind]

Lol

[@hershfam]

Honestly feel like these aren’t that uncommon alot of people live similar to some of these

[@howiehehrer1893]

48k salary 5/1/17 -> 80,000 in student loans 4/15/18 -> 47,0000 left Thanks for the direction during my stupid tax phase of life! Gotta keep it going!

[@KAGEFOREEVER]

how?

[@corinnemcwilliams3954]

probably negotiated some down

[@dominick253]

Bravo!

[@annwilliams6438]

Brilliant. Well done. Keep going and let us know how you are doing now?

[@kyram123]

Good job!

[@jonquindiagan7625]

I lost it when Dave told the 600k debt Dr “I wouldn’t want you operating on me” lol.

[@giovanapc1]

that was harsh hahah

[@Justiceone88]

😂😂😂😂😂😂😂 I agree

[@MsMoneyonMyMind]

Same 😄

[@MasonGll734]

*calls in for help* 10 seconds of silence when they find out they have to actually take action to solve the problem

[@justinc2633]

i swear half these people expected dave to write them a check

[@emmaLFC]

@@justinc2633 fr they ask for help then don’t like what they hear

[@82566]

Right 😉🤣

[@regul8or71]

@@emmaLFC but isn’t that how people are? That’s human nature. We prefer laziness and the easy way out. And we wonder why society is so messy.

[@789irvin]

This is the opposite of surfing Facebook & Instagram in terms of mental health.

[@justinc2633]

these people get in the situation theyre in because of social media... they see someone else who financed a car thats way above their means, and want to look as successful, its a horrible cycle of trying to make your life seem better than it is

[@Miranox2]

@@justinc2633 Exactly right. I saved myself a lot of money simply by ignoring the social media rat race.

[@justinc2633]

@@Miranox2 same haha, completely pointless

[@videochanneld841]

😂

[@ceazargarcia4046]

@@justinc2633 fr ppl needa stop doing that

[@TheBarisaxman17]

Every caller: I'm young, deeply in debt, partway through college, have kids and am about to get married. I make 25k a year and want to get my masters degree in psychology after our honeymoon. I also just bought a new BMW and my husband is starting his own business. Do you think we should start paying our student loans, Dave, or put them on deferment to pay for our wedding and honeymoon? I'm surprised Dave doesn't have a heart attack after these calls. These people are one HVAC break or medical emergency away from bankruptcy.

[@FinnyMG]

Not every caller.. Num. 2 is different

[@wanilimbe]

I’m 24 years old, 653k in debt, partway through community college, 6 kids and about to get married. I make 12k a year and going to major in gender studies to help the black community and be a social justice warrior. I leased a brand new Lamborghini Urus and my husband is a stay at home dad. Should we pay off student loans, or the Urus?

[@onemorething100]

So true.

[@Ojisan642]

@@wanilimbe 🤣🤣🤣🤣

[@HealthEri]

No that much jobs for psychology. Go for nursing.

[@kathleencooney1518]

I was listening to this video while driving my 14 year old car. I saw a guy in a BMW at a stoplight & thanked God I was driving my old car that runs great & has no payments. The new cool is driving an old car & having no mortgage. ❤

[@yeritzadelgado2191]

I have 1 car pay off, just pay off my mortage January 24 and about to pay off my 2nd car😊 1st car is going to my teenager son when he start driving ❤

[@nickdantzlerward8567]

I love listening to Dave. He's like a second Dad. Every time I hear his voice I know everything's going to be okay and I'm going to make the right choices with my money.

[@BonnieNeely-p5m]

Amen ❤ !!!

[@hardy3089]

Was 67,000 (mostly student loans) in debt when I started listening and incorporating his principles. A year and two months later I’m still 29,000 in debt never though I’d be able to pay even that much, it takes time but it works. Ramen noodles are delicious btw.

[@kramez9156]

I was 67K (all student loans) in debt 3 years ago. It's now $17K. Staying consistent is key. Also you may wanna try some rice and beans sometime 😁 keep your eye on the ball. You can do this!

[@annhans3535]

@@kramez9156 🤣.. Rice and beans with some fried eggs. Or pasta and sauce. All cheap alternatives. I am going to be death free this week. Only mortgage now. Stay strong folks. Keep the goal in front always.

[@charlineoro6714]

I,

[@JeffEllis608]

Congrats! Stay strong!!

[@alwestcott8625]

Beans and rice with Mexican blend cheese on top is also delicious. My husband and I are debt free for over a year now but we still eat beans and rice once or twice a week because we like it so much.

[@minabobina420]

Man.. these Dave Ramsey shows is like "Beyond Scared Straight"! 😱

[@notmebutyou8350]

😂😂😂😂😂😂😂😂

[@IamtheGL]

Dave needs Big Dragon on the show

[@PInk77W1]

Good analogy

[@bariatasudan]

Dave I just want to say that you are out here teaching people who have been disadvantaged from this kind of information you are giving. I have learned so much from you. Stay blessed!

[@salabhsg]

Felt miserable until i watched this. Even though my job is low paying and i am living a peasant life, i have no debt to worry about.

[@ACCOMPLISHEDSHEIS]

THATS BEST OF NEWS. SIMPLY OPEN A SAVINGS ACCOUNT AND SLOWLY GROW IT. EVEN IF YOU CAN AFFORD TO PUT AWAY $10 MONTHLY, ITS STILL GROWING YOUR MONEY.

[@rachaelstudio]

@salabh S.G a peasant life is good as long as you can pay your rent, food and save for a rainy day money then you have a content life.

[@zoe0187]

Same, really low income with no debt. But really poor.

[@AlanaL3]

And you have the internet as a peasant? I don’t know..you may be bettter than you realize:)

[@b2200mlb]

Keep doing what you're doing and find a way to bring in some extra income. I personally recycle cans and invest in the stock market. It will get better stay debt free!

[@miagraceespiritu8511]

Love all your conversations. I just cleared my credit card debt from 2010. It took me 9 yrs to finally cleared it all. The feeling is amazing. I sleep well and better health 😍😍😍😍😍😍

[@ericasnyder5109]

Mia Grace Espiritu 9 years well spent! Great job!!

[@DarkStarAZ]

Take the FPU and keep moving forward!

[@hani786ish]

Same here and it’s such a blessing that you can sleep in peace.

[@miagraceespiritu8511]

@@ericasnyder5109 Thank you! money management is still working in progress but now its more on where to put your savings ❤❤❤❤

[@_trust9994]

@@miagraceespiritu8511 how did you get in that debt for?

[@aaronfisher7159]

I was 8 grand in credit card debt for the last 3 or 4 years. Just paying the minimum. I make about 30k a year right now but in the past 4 months i've paid over 6 grand. 2 more to go!

[@icereidy6586]

Aaron Fisher you go Aaron!

[@kbanghart]

Aaron Fisher how did you pay that much over 4 months?

[@HannainFlorida]

Aaron Fisher i used to do that when I was younger and stupid lol paying a little more than minimum and wondering why I couldn’t pay off lol...Now I pay them off every time I use my credit cards.

[@IrishSoldier027]

@Kara The Love Bug you'll be calling Dave in 5 years crying like a baby hahaha

[@MrBordal]

@Aaron Fisher I thought I was reading about myself there. 8k debt with a 30k job. Guess I have to tighten up the ship myself and get out under this.

[@classydarktoys5731]

39:52 This was the nicest way I’ve ever seen a man tell another man to stop doing drugs and to get help in a meaningful way. He absolutely said that without having to use the word addict once. That was very impressive and genuine. I just started watching this guy today and I’m loving this.

[@sarangbae3126]

I don’t understand how people call Dave and are literally in shock when he tells them to undo everything that got them in their situations. I’ve been in a similar situation and I was willing to do everything I could to get out of debt without question.

[@ParkerBG]

sarangbae That’s one of the sexiest things a woman can say

[@sarangbae3126]

Amaequiaas Corner love that. Power to you love ❤️.

[@karenk2409]

That's why you can describe that in the past tense!

[@supernova11711]

Right? It’s like people call in expecting him to have some miracle cure that will just erase all of their debt. It’s almost like they don’t expect to actually have to pay everything back. I’m no financial guru but the ONE thing I’ve always stayed on top of is paying off debt. People get into things thinking “oh, it’s only so much a month, I can do that!” And then they accumulate multiple things like that until all of those little things amount to more than their take home pay. Then they wonder how it all happened 🤦🏻‍♀️

[@coleverbrugge5680]

Normal people: freaking about about not paying this month's bills Dave Ramsey callers: Nah, I just don't pay bills

[@keepyourheadup9183]

F’real!

[@bobb7317]

It’s really just disgusting how people do this.

[@igorskiboss331]

🤣🤣🤣

[@TheScovin720]

Go sabercats

[@anniesshenanigans3815]

I don't understand this mentality!! My luck I would be sued.

[@georgeclam1756]

I love when Dave just tells people that they made a stupid move.

[@dargosinger]

That's the moment where either you're gonna laugh or you're gonna cry.

[@mattbartley1765]

Dave playing with his wedding ring while talking about the couple having problems in their relationship shows how empathetic he is about these situations. He puts himself in their shoes

[@mangodiet801]

I took it as .. it shows that Dave is terribly afraid of his wife. Not blaming the obvious debt culprits for these callers .. THE WIFE , NEVER MARRY

[@bodrexo47]

I give all these callers props for the courage to pick up the phone and call Dave.

[@carmenwg]

Dave never fails to show tough love. That is exactly how I've learned over the years to better myself. I would have been caller #1 had I not been denied the car loan and I'm SO glad I was. It was truly a blessing in disguise. Thank you Dave for all you have done and continue to do.

[@damonleeb]

*250,000$ in student loan debt* “I just don’t know what to do 😭😭🙏🏼” *buys 38,000$ truck and 13,000$ camper*

[@phillipmoore7436]

🤯🤧😰😱😭

[@mommaoinnh2674]

Yet the guy is smart enough to pass the bar!

[@mangoryder7139]

🤣🤣🤣🤣🤣🤣👌🏽👌🏽👌🏽

[@mugumyapaultheafricannomad9488]

Haha hahahahaha 😂😂😂😂😂😂😂 It's called American maths

[@tmac662]

If feel personally attacked by this comment.

[@hamishwilson9787]

I freaking love Dave, he tells you what you *Need* to hear, not what you *Want* to hear

[@OrenjiArms]

"doing good, just lost my job this morning" my guy, you aren't doing good

[@jessicamcdaniel317]

Raul Toro I’m good. Just lost my job this morning 🤣🤣🤣

[@AlfieTank]

Sometimes its a mutual separation. 🤷🏿‍♂️

[@alexhogg1364]

Not much sympathy, wasn't he ripping customers off?

[@newtonraymond77]

Some dude called once and said he's better than he deserves but dude was hundreds of thousands in debt I yelled out "dude you aren't better than you deserve "

[@alejandraortiz8991]

I paid $2,500 for my vehicle which is in GREAT shape! Looks brand new and only had 50,000 miles on it! Its saved me a TON of money! After watching a bit of his channel, I will NEVER take out any type of loan.

[@crystalrobins1378]

How? As in where'd you get it from? I'm looking for a reliable cheap (under $5000) car at the moment

[@alejandraortiz8991]

Crystal Robins I purchased it from a customer at a restaurant I used to work at. It was his mother vehicle and after she passed, he sold it to me.

[@crystalrobins1378]

@@alejandraortiz8991 Ouch! Sorry I asked

[@charlottemariesmith]

Unfortunately, thats how you build credit

[@shb8212]

@@charlottemariesmith nnnooo there are lots of less risky ways to build credit. Cars are depreciation machines.

[@kathleenrod8423]

I was raised by a single mom living off a 15k salary ... and this guy has an issue with living off of 90k. Sounds rough.

[@someoneelse.2252]

I agree. So many people I know simply live beyond their means.

[@NSGLiv]

People have no humility

[@annetteg1174]

Some people just don't know how to live simple. Too much pride in buying used anything.

[@life5161]

Hilarious ain't it

[@calebniederhofer6529]

I have learned income is irrelevant with the majority of people as far as getting in debt. I know friends who make a 130k annually , and have 75k in car debt . No savings living paycheck to paycheck. I know people making 50k 30k just in car debt . They both live above there means.

[@federicogiorgetti5503]

Dave "better than I deserve " is such a great statement, so optimistic, thank you for that

[@vincenttitone8776]

Here I am freaking out about $1,700 consumer debt that I will have gone in a couple weeks lol These videos always make me feel better about myself.

[@rustyscrapper]

I would be living in a tent and collecting cans everywhere I rode a bike because I wouldn't have a car and stealing food from restaurant dumpsters if I had debt like some of these people.

[@bartvanriel6767]

More then I ever had although I'm planning on getting a mortgage since switching from my rental to a similar house would save me $300 a month excluding repairs

[@TWDxKILL3R]

Vincent Titone .... I know I have $3,000 in credit card debt and I feel terrible looking at it..... but after tuning in to the show that $3,000 is nothing compared to some of these crazy people

[@ceciliaulmer1498]

Vincent Titone i

[@SajatulA]

That’s soo true man!!

[@yolandamacias2403]

Paid cash for my groceries, went home and cleaned my home after listening to David before I get in trouble 😆. He is awesome!

[@bowiehs]

Man this is making me reconsider all my life choices.

[@keepyourheadup9183]

Michael Jenkins, like, you realize yours weren’t so stupid after all? Or are you identifying too much with these callers? 😆 It’s all good, we all need a dose of this medicine.

[@1Ataya]

SERIOUSLY

[@AjaySingh-zc8xw]

this why I aint making none

[@bluraine7739]

@@keepyourheadup9183 Both. Not acting as unwise as these callers, but we are realizing we're not headed in the smartest direction.

[@GUURL101]

This vid made me change my mind on an expensive luxury apartment that I was planning on moving to this fall. I guess I'll just stay where I am and continue to save my money lol

[@carryonjeeves]

I feel for Brenda. It takes GUTS to face this kind of debt problem after trying to run from it for years. It takes humility to admit your own stupidity and own your stupid mistakes.

[@richman117]

she is scummy and just wants to be saved by bankruptcy and eventually do it again

[@Aliciabpd]

22 years ago as newlyweds my husband and I financed a Nissan Sentra at 29.95% interest 😩 I have always been frugal but I wanted my husband to be happy. It was the beginning of a terrible weight in my life of me trying to pay off debt and hubby racking up debt. A friend from church shared DR with me when we separated 9 years ago and this year we are on babystep 4&5 🙌🏼💕🙌🏼 God is good!!

[@BlackStump172]

Good that you got rid of the lead weight user pulling you down . Smart girl .

[@anthonypalladino5694]

Love how everyone starts out the call with, "I'm doing great!"

[@DB-jj8hb]

I lost it when Dave told the 600k debt Dr “I wouldn’t want you operating on me” lol

[@mediaproductionpro]

I wouldn’t either, seeing as he is a family physician

[@abbasjoy4785]

" I'm sitting here, I can't even breathe, it's not even my debt😄"

[@amandacrossasu]

Yes that was so rude.

[@Skyesoceaneyes]

Hey, he's calm under horrible pressure! It might work! (If he were a surgeon, that is, and then he'd make more money, too!)

[@terryhusband5078]

😂😂😂

[@prashanthpendem548]

He makes me feel responsible for the debt I don't have...LEGEND

[@PCKA1987]

I did not realize debt collectors pay cents on the dollar. Didn’t realize I had the power to negotiate. Wish I had that knowledge a year ago. Oh well. That debt has been paid off two weeks ago anyway, praise God. We are on our way to becoming debt free in a hurry. Thanks, Dave!

[@sherrystewart7745]

You can negotiate anything! Remember that!

[@dcross446]

You can go to sleep with pride knowing you fulfilled your obligation to the fullest. Congratulations.

[@KatieBellino]

You had more integrity. They haven't paid a cent in years and their credit is shot because of it. You took out money promising to pay it back and fullfilled that obligation. I'd feel better about that.

[@staceystrukel1917]

When you figure out how much is just interest they want from you it should make it easy to negotiate. It should be illegal to charge those interest rates.

[@TankAssTanner]

@@KatieBellino You don't owe a debt collector anything. They buy that debt for nothing from the person she actually owed. They are simply leeches and don't deserve any money.

[@benanderson4639]

So happy I found him at 16. Definitely don't want to end up like these poor people

[@outphase78]

I'm glad you're grateful. This information and platform wasn't this easily available when I was 16, and I assume when these callers were 16. Y'all in the younger generation have a huge advantage.

[@moniquebaskett338]

@@outphase78 I introduced my daughter to Dave at 16. She’s 23 and manages her money quite well. Better than me and Husband at managing money.

[@TaraConti]

That's so awesome! 👍

[@flaqko5686]

They are broke not poor

[@ep1929]

Some of these stories are heartbreaking, let's hope they can turn things around.

[@carolinybrewer]

I seriously don’t understand how someone makes 100k per year and still is broke

[@danibathalier6839]

Carol Brewer bills 💵 bills 💵 bills 💵 bills 💵 bills honey❤️ I makes 18000 dollars per year my savings account have $4000 and I have my rent credit card my 2 boys thanks 🙏 god my boyfriend give me money 💰 every week

[@CollinMac96]

Just because you make that much that doesn’t mean that’s what you take home. That’s how life works young man

[@bbauer04]

Professional Degrees cost a fuckton. I graduated with $250k in debt at not a good interest rate.... I make good six figures but it's still gonna take me a decade to pay off ... it's insane.

[@tamekad-b1014]

Just because someone makes that much doesn't mean they know how to live below their means and save their money

[@carolinybrewer]

Collin Mac first of all, I am a woman. Second of all, you have to be dumb if you make 100k per year and don’t know how to control it, how can you spend more than you can?

[@barbie3139]

I worked FT and went to school at night and had 0 debt when I graduated. It was difficult but SO worth it

[@zakattack7799]

Driving in my 1000$ hoopty listening to dave with a smile on my face!

[@whyjordie]

You can tell the first girl is not going to give back her car

[@TheRAH1]

whyjordie she’s already regretting that decision I bet.

[@ireami11]

Finn you really think they would take the car back? After the 30 days?

[@Blaiyan]

I think she lied about the 30 days too. She just didn't want to take it back.

[@GOgg13s]

I love the whole "I needed a $20,000 car. I had no choice." mentality. I bought a car for $1500, put less than $1500 of work into it (including basic maintenance) and its still working 3 years later.

[@raymondkay4896]

I'll never get that line of thought. Even if you bought a $5000 car, you would still have to put $12-13k of work into it to even touch the cheapest new cars out there.

[@MrBeard17]

The price people will pay for a status symbol.

[@wildflowersmile3224]

I bought a 2-door 1992 honda accord with 200k miles for $500 in the year 2013. I had 3 little kids one of which was in an infant car seat at the time. That was a p.i.a getting a baby in and out of. My point is if you are willing to make the sacrifice you can get ahead financially. Ps. The cars name is Julie and I still see her nee owner running around town in her in 2019 😄

[@TankAssTanner]

@@raymondkay4896 It is simply the fallacy of the lack of upfront costs you get with buying a new car, rather than repairing a current one and/or fixing up a really cheap car. It is just really short sighted thinking, along with not being able to save any money, making it hard to pay for any sudden repairs. It leads to an endless loop of debt.

[@HermannTheGreat]

@@TankAssTanner I agree, I paid $3300 for an low mileage 18 year old camry a few years ago, it was nothing special, put about $750 in it to fix a few things that popped up within first few months(starter, timing belt, re-seal engine valve cover), another $200 since then and it's running just fine. So basically 4-5k for a car I've owned 2.5 years already with no sign of stopping, and every year I drive it I'm basically paying myself. Not a status symbol and doesn't look pretty and idles high at times, but it's about thinking long-term.

[@Vera-dg3hf]

Student loans are really destroying young working professionals. The amount of debt is just outrageous.

[@anoneemous406]

College should be free or much cheaper. Especially state schools.

[@AnaMaria-wf4nx]

in Greece it is

[@rusticski]

I’ve been holding off paying off my credit card. Ten minutes of listening to Dave, it’s done!

[@justinc2633]

Dave gives really good advice to people who are fine working 9-5 for someone else, but youll never be able to retire at 45 sipping pina coladas in mexico with his advice. Most debts are fine to keep, CC isnt one of those, but, paying off just about any other debt is just for piece of mind. assuming the interest is below ~5%, I personally wouldn't bother paying them off, instead if invest my money, it's not hard to get above 10% ROI on investments which means by taking out a debt instead of paying with cash youre 5% a year, every year until you die, richer than you would be paying off the loan. To most people this is hard to wrap your ahead around but it's the mindset your average millionaire has.

[@justinc2633]

@Tee then borrow money and try again, repeat until rich

[@brucefredrickson9677]

@@justinc2633 When will you start your radio program since you are so smart?

[@blackduckfarmcanada]

​@@justinc2633this advice in 2022 doesn't apply anymore. Welcome to high interest rates

[@ohfuckitall]

How are you doing after 3 years?

[@goldenkaleo]

Dave: How are you doing? Caller: I’m doing well *proceeds to tell dave how they’re not doing well*

[@bottledoo3639]

Golden Kaleo there doing well because there health is good and there mentally healthy is great, ya there not financially stable but there ready to learn

[@ryan3716]

😂😂😂 exactly!

[@dylanheraid4611]

bottle doo they’re **

[@VibeBooth]

Because we block financial stress from our mindset

[@halieransom]

Narrator: they indeed were not doing well

[@alien2girl07]

It was because of listening to Dave Ramsey that I paid off my car in 2019 and now I'm about to interview for a second job to pay off my student loan debt. Thanks Mr. Ramsey for inspiring me 😊

[@humilis42]

Yesssss I knocked out those payments and it is going to be paid off next month. Next is my business loan. Ugghhhh He has been a godsend. I feel like I’m on the right path finally!’

[@PatriceDanielle]

Did you do it?

[@JP-qx2wb]

“I can’t breath and it’s not even my debt “😂 man he destroyed him, I feel bad (but it’s true ).

[@lytonya1533]

Why do people think fixing up their car is more expensive than getting a new car with payments. If you can fix your car then fix it. It’s a lot cheaper than getting a new car that’s over $20,000. 🤦🏾‍♀️🤦🏾‍♀️🤦🏾‍♀️

[@southerncoyote]

Synchrony bank sucks, but they will finance dang near any car repair. 2000 at 24% for 24 months beats 20000 at 10% for 60!

[@Inbal_Feuchtwanger]

If the repair is close to as expensive as the cost of the vehicle, thats where I draw the line. I had my last car for 10 years and I feel like I got my money's worth there.

[@lytonya1533]

Inbal Feuchtwanger all the reason to listen to Dave Ramsey

[@melissacrowther5263]

It's the money upfront issue. Payments are easier for most people than coming up with 1000 or more for repairs. It's just bad planning and panic.

[@mindwideopen2579]

Not more expensive. More involved. It's just easier to go to a dealership and sign for a new car rather than deal with the headache and down time of repairs for some people. It's still a stupid choice, though. repairing what you have or buying a good used vehicle are ALWAYS better choices.

[@jessicaolson490]

#5 is too busy tooting his horn to admit to himself he was being unethical. If you get the most sales by swindling customers you aren't the best sales person, you are the worst.

[@DannyOvox3]

Yeah he was already bullshiting you can hear this guy has a superiority complex

[@fogandwhirlwind]

@@DannyOvox3 "I left college because I didn't really want to hear what they had to say."

[@KG-ud9ki]

Well his name is Tony and he’s from Tampa. What do you expect?

[@stoicvibesonly]

he was the worst by far. everyone else at least seemed to listen, but this guy had the audacity to blame the car dealership for him being a shady salesman.

[@crzyruskie86]

@@fogandwhirlwind To be fair who would blame him not wanting to listen to those indoctrination professors.

[@LightNightNeon]

Oh my god... I heard this and immediately paid off my 200 credit card bill

[@DorianC19]

Ahahahah me too!!! Had to lol

[@oldwestguy]

Way to go... follow Dave's Baby Steps and you'll be on your way to financial security. I'm 62 years old and discovered Dave two years ago. I've paid off over $15,000 In debt during that time and am now on Baby Step 4. My only regret... I wish I had heard about Dave Ramsey twenty years ago. His methods WORK, and if you're willing to commit to this process, it will, as Dave always says, "change your life."

[@twincherry4958]

@@oldwestguy what are those steps?

[@oldwestguy]

@@twincherry4958 You can go to Dave Ramsey's KZbin site to get the details, but basically they are the following... IN THIS ORDER: 1) Save $1,000. in an emergency fund. 2) Pay Off All debt, not counting your mortgage. 3) Save 3-6 months of your income. (Basically, a continuation of step 1.) 4) Save 15% of your yearly income in a retirement fund. 5) Save/invest in you children's college fund. 6) Pay Off your home early. 7) Build Wealth and be very generous along the way.

[@gsjourney3054]

oldwestguy glad I’m 17 watching this gotta learn early

[@fithealthymindset2293]

I used to feel like a poor 20-year-old for only having $750 in savings but I have no debt and a college degree so I guess I am ahead of most people! Jesus!

[@itchyisvegeta]

Whenever I need to feel better about myself, I just listen to calls like this

[@KM-nq7ez]

And I watch “Hoarders”🤣

[@josefinigo7100]

@@KM-nq7ez Looser Itchy

[@jaysmith6013]

“You make $62000/year, why don’t you pay your bills?” “I don’t know, I don’t know... we just.... don’t”. Lol ok

[@KatieBellino]

Yeah, there's something super odd with that whole situation. She almost sounds like she suffers from depression.

[@trw4war322]

MsClarinut You’re probably right. There’s a deep dark abyss there that tells the real story that’s not being acknowledged.

[@isaiah92]

shes paisa my wife and in laws talk like that. Kinda like the family guy cleaning lady. I mean im mexican too but i dont sound like eore.

[@southernclassik]

she is a drug addict

[@Elizabeth-yg2mg]

@@KatieBellino Or not bright.

[@Theman26642]

Dave: "How are you doing?" Tony: "I'm doing good. Just lost my job this morning". Why is it so perfunctory to say "I'm doing good" when you're not?!?!

[@premedmike2080]

Because he only lost his job, not his life. When we learn to thank God for another day of life, all our other "problems" seem so tiny, sure it sucks getting laid off, but we can always get another job, sometimes even a better one, but if you lose your life or someone you love, you can never get that back. It'll be alright, in the mean time stick to the Ramsey plan

[@carultch]

It's called an instinct. How many people really give an honest answer to "How are you?" every time it is asked? Most people just say "good" and move on, regardless of how they really are.

[@SuperAmazingNoob]

might have been sarcasm

[@Chubbycat748]

How you you doing? Me: "I've been better."

[@Chubbycat748]

And amazingly, over half the time, they don't ask "what's the matter?"

[@Seiji96]

“I don’t have $1,000 for repairs, so I bought a $20k car” 😂😂😂😂😂

[@Justin-jg2hi]

The fact that she paid 20k for a 2014 is insane. She bought it from a buy here pay here place and was likely paying 450+ a month too

[@imnotpurestr]

On 28k a year 😭 tbh those wages should be illegal though, not sure how someone can survive on $600 a week

[@imnotpurestr]

Not to mention she’s an assistant manager at the DMV… government job should at least pay as much as the poverty line…

[@Justin-jg2hi]

@ government jobs shouldn’t pay anything.

[@Todjcam]

A crooked car salesman gets fired for scamming customers, please forgive my heart for not breaking

[@seanmartin5056]

A dumb crooked car salesman on top of it. Couldn't even answer simple questions

[@dropthebassline]

This channel has changed my life

[@veronicawilliams1957]

Mine too!!

[@maggiea5783]

“How are you doing” “Good, I just lost my job this morning”

[@Funny-ed5jl]

*Margaret Aufmuth* 🤣🤣🤣🤣🤣🤣

[@Brandon1984mn]

I just spit my coffee out!

[@ryan3716]

😂😂😂 and “I have 4.6 million dollars in credit card debt”

[@shanetrat9303]

lawn lawn lawn 😂😂😂

[@prosperandgamble]

Eh anyone can get a job but a career..

[@morganottlii2390]

I got my daughter and son in law on to Dave. They are rocking it, and I have helped them out just a little bit. I'm proud of them, and have great expectations for thier future

[@mutedearthvirgo]

Im so glad Dave gave the Mercedes guy the tough love he deserved. So well said.

[@jculver1674]

Yeah, that was a great call. He steered that young man in a great direction in life.

[@Billybillybillyrocking]

It was a very hard, heartful call. Dave really talked to Tony like he was his kid, and honest. He took the good and bad and told him where he fell off, but pointed him in the right direction. Dave fidgets when it gets hard to talk, straightening the papers showed his feelings on it. It was truly like he was talking to his child.

[@etiennedegaulle3817]

The greatest gift my parents gave me was the knowledge to stay out of debt.

[@julianbalcikonis3665]

Yes, me too. My mum saved up money in envelopes and always saved and paid cash for what she wanted....

[@mantasvalciukas5734]

I have like 600 dollars in my bank and no debt, I feel rich after watching this :D

[@5000MikeMaster]

I have like $400 in my bank and no debt I feel rich now too

[@CraZzy3n3rGy]

Mantas Valciukas you gotta start somewhere. Good for you. I was going to school and ran out of money when I was too lazy to get another job. I had a small negative balance on my checking account too. It was like $20. Had to ask my siblings to pay for school while I found work. I worked and went to school and was able to be financially stable. It was a great lesson for me and now I’ll be able to pay them back. It’s humbling to look back and stupid at the same time because I was studying to be an accountant. Now I’m working full time and feel humbled.

[@Crozbozy]

@S J W 4 Life I'm 21 and have 30k (AUD) saved. Life is ez if ur not an idiot, I don't even work.

[@JT-ef2qy]

Crozbozy what do you do?

[@Crozbozy]

@@JT-ef2qy i study and then work full time during my holidays

[@mk3cortinachik]

When I'm feeling like my life is bad I watch Dave, Hoarders and Intervention and then I'm good to go.

[@helenveasey7318]

Yes, indeed, so true.

[@ghhm2705]

😂

[@braxtonmills1235]

How can your life be sinkkmg when your super cute.

[@carlaclark7349]

Yep

[@Love.on.top23]

First off, there’s no wedding until the debt is cleared.

[@AjaySingh-zc8xw]

Facts

[@pinkshay11]

A wedding doesn't have to be expensive. The court house is very inexpensive.

[@jonevans1568]

Shay t. Think what she means is that you shouldn’t wed someone wit so much debt LOL omg the bride stoopid 😂

[@fobeking]

Facts

[@yulnikita]

Hmmm .. you're right

[@Fazal828]

Caller 1: I didn't have my $1000 emergency fund saved up so I bought a $20,000 car.

[@jacobhellman9181]

Fazal828 I thought I was the only one that heard that absolute stupidity

[@VincentAnthonyE]

Because of brakes and CV axles, I paid 20k for the same car but 2 years newer. LoL

[@aeromedical6750]

LOLOL. Makes sense to me. I may not make much, but I want everyone to think that I do. I’ll skip out on rent to make my Beemer payment. After all, I’m entitled to a luxury car even though I work as a cashier at Dollar General!

[@MegaYoungday]

but people do it all the time because they don't understand that credit today means less spending tomorrow.

[@ImWORTHITINC]

EXACTLY!! YOU KNOW that was stupid!

[@Pooh1608]

Listening to this made me write down all my debts compared to my income. I'm about to cancel my 401k asap and find a second job. This debt has to go

[@margaritaavila2778]

Pooh 1608 smart move

[@DelusionalDev64]

CSI wondering the same

[@brocourtney]

Yea bro. How's it going?

[@billgateskilledmyuncle23]

Don't cancel 401k, put less in it or none, then resume later.

[@twincherry4958]

@@billgateskilledmyuncle23 folks fail to do simple math! Saving for retirement through simple investments and paying debt simultaneously is always better than choosing one or the other. I did a rough math and if I do it this was, I'll have 112k in investments instead of trying to save 34k by not investing in my retirement at all.