We Are A Month Behind on ALL Of Our Bills

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[@cadende2010]

Following Dave Ramsey has been the best thing I've done for myself.. I am so excited to be on the road to financial peace 😊

[@chrisgast]

I didn't have to follow Dave. I already had financial common sense. Granted, I'm not perfect and I still relapse - at least I'm not in as bad of debt as most of these callers.

[@misschenda4717]

Jesse Loves amen! I'm so happy I found him last month. Best wishes Jesse!

[@misschenda4717]

Nadine Oblad amen!

[@bridgett3909]

Jesse Loves that is me and you

[@Dontslaythybroski]

yeee

[@RC_KAI]

Sorry, but whoever thinks Dave Ramsey is rude or impatient can’t deal with the fact that he’s brutally honest.

[@marcanthonysalon]

He's both.

[@JohnDoe-rk7ej]

Kai you’re rude

[@stupidandboot4507]

@@marcanthonysalon no u

[@chrisgreene123]

Precisely

[@stolensilver5811]

the problem is these people want the same lifestyle AND pay off debt. It doesn't work like that

[@jill9606]

I don’t understand people who call in to the Dave Ramsey show saying they’re behind on their utility bills. Her household income is $80,000. Where on earth is your money going if you’re not even using it to pay for your basic survival necessities?

[@step2191]

I cringe everytime Dave tells callers "you cant eat out at restaurants, you can't go shopping, you need to sell your car" then the caller chuckles. Because you and I know, most people can't self discipline!

[@cutlerylover]

If they knew how to handle money we would never hear their voice on this channel :) I honestly feel like half or less of the callers go through with Daves advice...People are too set in their ways to change easily unless they really hit rock bottom and even a few of those people still dont learn...Some people really just dont care as much about being in debt and just assume everyone is and its normal and sadly we know that is the new normal...

[@lkmiller2010]

GOD OVER MONEY But the difference is that Dave earned the right to buy/eat whatever he wants. We haven’t, yet!

[@1redrubberball]

@GOD OVER MONEY That is a loser mentality. Beans and rice, rice and beans, thats a metaphor for controlling your food spending, along with everything else. If you want a better quality of life, you'll do what it takes!

[@JamesRDavis-ft3wq]

1redrubberball Dave uses that language to make people realize they need to buy cheaper food. He doesn’t literally mean buy ONLY beans and rice. He’s said this many times.

[@1redrubberball]

@GOD OVER MONEY No one cares about your plight, if you're too stupid to initiate damage control in your own life!

[@ligbzd837]

Tips for callers: please get ready with your money numbers like income and expenses when you call. Dave is going to ask you about them...every time.

[@danielponder7165]

La ZBd you mean not everyone keeps meticulous spreadsheets of their cash and finances??

[@1redrubberball]

The greatest pay raise you'll ever receive is to get out of debt and learn to manage your money and control your spending.

[@PCross38115]

This situation is wrong on so many levels... 1. She says they make $80000 per year but doesn't "know" what they bring in on a monthly basis. 2.She taught an FPU class but is behind on everything. 3. She is making payments on a much older car. 4.Her husband is behind on child support but owns 2 barber shops. I'm done...rant over!

[@kasialeparska2480]

Mrs. Cross don’t judge..... people make mistakes...life happens....no one is perfect.

[@skyelizsam]

I think her church hosted an FPU class...I don't think she actually taught it.

[@michaelmarquez6133]

@@kasialeparska2480 I'm sorry but anyone who makes that kind of money and doesn't pay rent is risking there children's lives and needs CPS called

[@bryanjacobs1423]

She didn't teach the class, her church hosted it

[@Jill721]

I think she hosted an FPU class she just provided a venue

[@vanhughes]

I would pay rent First. Buy a bag of rice and a bag of beans. Onions garlic and salt. That is it. Pay utilities. Pay car notes. All while selling off extras.

[@annettethomas2770]

I agree, because the apartment may be owned by an individual that could be left in a bad way without the income. They could eat beans and rice for a month and be fine. A jar of peanut butter and a loaf of bread.

[@kathleendigregorio1701]

Van Hughes - smart thinking. If they get evicted, it will be humiliating, they won't have the cash for security deposit, moving expenses.

[@carojames6776]

Van Hughes I got the sardines and the flour. !!!

[@cadavison]

That's what Dave just said. Not sure why you weighed in on it.

[@capnskiddies]

A shin of beef and a cut of bacon thrown in too. That's the food bill cut back to under 300 for the month. It's not pretty but two months and you're 1400 up.

[@cadavison]

Her problem might be that she thinks she makes 80k when she actually makes 50k.

[@oblivion85]

Even at 50k shes shouldn't be behind.

[@matthewdeanl5884]

@@oblivion85 I earn about $16K annually and taking care of an elderly. Thank The Good Lord I"m making it for the past 15years. I'm alittle stuck on earning extra multiple streams of incomes *just sharing

[@Meow_Merchant]

@@oblivion85 I have an old coworker that claims to make 5k per month. They're now a state employee so you can actually look up their salary online and its more like 3k. Maybe eventually they will make that but not yet. Same person also bought a brand new car to show off lol

[@jutde]

@@Meow_Merchant if you factor in the sweet perks that government employees get like health care and pension they might actually be close to 5k lol

[@eddiekulp1241]

Gross means nothing , net is what counts .

[@atdepaulis]

i think its odd she taught an FPU class and never did the program correctly herself.

[@johndoe-ii1ko]

Amy browneyes Exactly. She's not even credible considering her situation. Sounds like her heart was in the right place but she didn't think the whole thing through.

[@mikenelson8377]

Not only did she never do it correctly herself but she doesn’t even know how much their take home household income is. This is really sad.

[@charaardrey5846]

Very odd, he should've been offended

[@joshquinlan2448]

She didn't teach one. She hosted one. There is a difference.

[@FatBoyBrett]

Think she was saying "we" meaning the church she attends hosted FPU.

[@tinkm4669]

‘The dog needs to be hiding because you’re selling everything’

[@ZachChoi]

She doesn't sound like she's going to do any of that. Least of all taking back the Christmas gifts, she just changed that topic as soon as she could.

[@RexyFan]

That’s the impression I got too lol

[@himmie1]

How is it possible to not pay your bills making $80,000

[@kbjcda]

easy. spend $120,000.

[@klife7775]

kbjcda 😂😂😂😂

[@ivettecruz8970]

People do it all the time because they spend like they on Congress 😂😂😂 it’s totally crazy. It’s should be an embarrassing that you make that much money and your bills are not pay on time lol.

[@kasialeparska2480]

It’s possible!!! I’m not behind, but living paycheck to paycheck and make good money..☹️

[@rebeccatrujillo9883]

That was my initial thought but now I'm wondering how much the 2 barber shops cost as well. They must be deducting more than they are making

[@zjones9876]

Pay rent first. You have to keep a roof over your head. You can get emergency food assistance and you can eat for cheap if you plan.

[@missdesireindependance5194]

Find a cheaper place to live and budget. What I could do with 80k.

[@Hey_its_Koda]

Miss desire Independance right. 80k is like me being a millionaire where i live. Lol

[@mikenelson8377]

Yep. Make $80k/yr and live on half that.

[@BeautyMommysUnite]

@@Hey_its_Koda same here.

[@rawlee6719]

Lucky, 80k is a studio apartment with a roommate in CA lol

[@beckyshell4649]

She needs to find out where the money is going. If they don't do a budget , they need to write down every dollar they spend for a month or two to see where the waste is.

[@kampdavies]

I like how he is killing the restaurant industry, nobody is allowed to go out.

[@turtleanton6539]

As they should not😮

[@whiskersredwood7903]

Restaurants are a luxury.

[@kampdavies]

agree

[@tsich3226]

You know when you call he is gonna ask you your salary, why do some people pause, or not even know?

[@capnskiddies]

Listen to the calls.... Those who know this stuff are not in the kind of trouble as this who don't or at the very least have a serious plan as to how to dig up.

[@brendaechols2228]

Yes. How do you not know? Thats dumb!

[@dorisjking8937]

Exactly!!! Please have this stuff READY!!! It saves SO much time.

[@socuriousjenee5105]

I think they have a mental block because it’s hard to speak the reality of it out loud. Their friends and family are listening. Otherwise I don’t know how they don’t know how this show works🤷🏽‍♀️

[@inthevault9603]

That’s the first clue they’re in real trouble. Idiotic.

[@RBoas]

If you answer questions about your finances with “about” you’re not in control

[@Ramayj20]

I wish I was making $80k a year.

[@stephaniealex1852]

Ramay James the more they make, the more they spend- crazy!

[@pseudonymshqipe854]

It's really not that much.

[@truthlove1114]

It all depends on where you live and the cost of living in that area. 80k in say Missippi takes you a lot further than $80k in Miami or California or New York.

[@kathleenchiara]

I think it's pretty clear that America has a big problem with overpriced car purchases. You can buy a reliable used compact car for around $5,000. Why do people have $15,000 in car loans? I don't get it.

[@LB-sh3tp]

Kathleen Anne yup and if we'd think about it if you saved for 2 years 3 tops you can buy that 15k car outright smh.

[@SRAphotog]

15,000 isn't even close. Way more then that unfortunately.

[@capnskiddies]

"Shiny things are nice" that's why

[@freewifi7163]

Everyone I know in-laws/friends/grandparents/aunts uncles are all having car troubles right now. We lease our cars. We never care about what the car is we just shop for the lowest price. I say that because all of them have found $6k-$8k used cars. And they have been bad investments. I think most people justify putting money into their car because they don’t have a car payment. That $5k car you had for 10 years. You have put $10k into. I just don’t get the point.

[@BeautyMommysUnite]

We just made this mistake not too long ago. We bought a used car and the motor blew up in it. So the only way to get a new car was going through a no credit needed lot. Now I'm realizing the payments are killing us and idk how to get out of it without getting stuck with the bill anyway

[@arnoldomonterroso8417]

You won’t go to a restaurant unless you work there 😂

[@rickyrudolph41]

Doordash brings food right to your house, so you don’t have to go to a restaurant 😏

[@Meow_Merchant]

@@rickyrudolph41 And you can order with a credit card so you don't even need money.

[@butterflyqueen9260]

I don't know why people dont have thier numbera before calling. Wasting our time!

[@ChrisBoulas]

She doesn't even know how much she brings home every month. How can we expect her to pay what she owes if she doesn't even know how much she makes per month?

[@vickieclark5931]

I agree. Before she starts paying anything she needs to first figure out what she's working with.

[@kristinamarie111]

Chris Boulas exactly

[@marcarrera4904]

💔 I remember being in this place in our life!!! So good to be on a budget to pay all our Bill's and paying it on time paying it off and now living with a budget to make sure it wont happen again!!!

[@xVxx6528]

How do ppl make more than me (way more) but they are the ones always broke!?...SMH

[@herfirstmate]

Alejandro Arzate Spend more time crafting your profession and income! School, starting a business, trade school, or just climbing up the "corporate ladder". Her husband is self-employed, that in itself opens up more doors in terms of income. I work in an hourly + commission job, am in school, and am trying to start my business - I try to not question how someone makes more money than me, I trust that they earned it. I do question how I can get to that point though.

[@drunclecookie216]

living way beyond their means is how most of them do it

[@BoogerDeluxe22]

*looks for approval on budgeting skills and thrifty living* -denied

[@misschenda4717]

80K wow and still behind something is wrong w this situation.

[@tez_foe4382]

Miss Chenda Bad Money Management Is Tha Problem.

[@aneshabrown5]

They were behind on rent and child support

[@audreychayer7145]

80k is not a lot of money but still enough to cover all the expenses she said..

[@pseudonymshqipe854]

@@audreychayer7145 I agree with you. I'm paying $500 a month just for daycare.

[@KnockoutInvesting]

She is lying about her income. It's probably closer to $50,000 gross annual. Her take home pay is low $3,000.

[@VampireKa1n]

I think rent is more important than utilities. Would you rather live in an apartment with no utilities, or on the street with no utilities?

[@jamesjohnson2458]

If your utilities are turned off you get kicked out. It's a Kobayashi Maru.

[@jeffc5974]

Water is necessary for life. Plus you need a way to heat it and cook your food.

[@realfine901]

Well I believe he may have put it in that order because, your lights/utilities will get cut off before you get kicked out.

[@mirnapretty8169]

You don't get evicted fast, but they wil cut your utilities really quick!!And you need water and electricity to continue living and go out to work to get your rent money.

[@bmaiceman]

Jeff C weeeeeeellllll. It depends. I live in a cheap rental home. I have power ONLY!! have not had water /sewer in 2 tests. I still live there. Is it fun? No!!! But I CANT afford to get the bill back on and repair oilesy. So I deal with it.

[@fireengine77]

I have such a hard time feeling sorry for these folks. I would love to make 80k...

[@AleksandrVasilenko93]

I disagree with utilities coming before rent. Having electricity in an appartment I just got evicted from is not useful...

[@corinnemcwilliams3954]

agree and most utilities companies aren't allowed to shut off during hot or cold months anyways

[@gusmueller5836]

as a landlord, i see this kind of thing all the time. now when looking at a prospective tenant, i consider a new car a BAD omen, particularly if credit is anything but excellent

[@SubTranslationJack]

Corinne McWilliams that is definitely not true in the Pacific Northwest. They’ll shut off utilities rain or shine.

[@allisonwaters716]

@Dis1chick If youre a month late, youre getting evicted

[@Preservestlandry]

@Big Bubba at least you won't be homeless.

[@Cyber_Guy2]

Caller: "We are sicken tired of being normal" Dave: "Good!"

[@arleneaugustahair8393]

She needs to do a Bank Reconciliation to see where money has been going. She does NOT need to buy food 1st. It’s Rent/Mortgage, Utilities, Car Note, Car Insurance, Daycare, Food and then other bills. People are more willing to give you a plate of food than to help you pay your bills. If you don’t have a place to live, where are you going to put the food? If you don’t have utilities, how are you suppose to keep your food cold or use it to cook your food? How are you suppose to wash your backside? I would never ever buy food 1st. My husband told me that before and I broke it down to him. We can cut coupons to get food. We can eat at someone’s house but no one is going to help us pay our mortgage, utilities and so forth.

[@martinpetrov6379]

Death Taxes And Dave Ramsay being "better than he deserves"

[@joseabreu5366]

She didn't sound ready:(

[@Kimmotion1]

I'm so grateful that I found Dave's pocket-sized money guide that day I worked in the library. Changed my life! Thank you Dave 😊 almost debt free!

[@fergusonto-2032]

Where’d you get the pocket guide , I’d like to have one ?

[@elainedeardorff9242]

This is painful to listen to.

[@marthar4370]

agreed but all the more reason to listen to it

[@bestly802]

$80k a year salary with $3600 per month in bills. No wonder they are behind. Their take home after taxes is probably $4500 every month (Dave said $5000 but that's for states that don't have state taxes) which leaves them around $900 left for food, gas, etc. One emergency situation and they are doom if they don't have any money saved up. They aren't able to save up a lot each month. They need to sell some things to get their monthly bill down.

[@drunclecookie216]

no kidding... my wife and I make $83k COMBINED and our monthly bills are only $1400 and that includes paying $500 on a car loan

[@TheDecoCottage]

Viet PopLove Yup. Dave's figures are a touch off if there are state taxes. My husband and I make about $86K combined pre tax and bring home about $4800 per month after taxes. Our bills are much lower than $3600, though..

[@drunclecookie216]

yep, me and my wife combined are $83k and our take home is about $4500 a month after taxes

[@courtneyg3038]

I’m just trying to understand the math. If you bring home $4500 per month X 12 that’s $54,000 so you are telling me you get taxed almost 30,000 per year??

[@angorachic]

@@courtneyg3038 Taxes and health insurance...Insurance comes out of your check before your take home pay, and our health insurance costs us $1000 a month ($500 biweekly, $13,000 a year)...Between that and taxes, it adds up to about $25K or $30K depending on your tax bracket if you make about $80K...I know, it is crazy...

[@motorcyclehair]

This has to be explained....HOLYSHIT, I'd be so stressed out if I couldn't pay my bills.....Christmas, is no excuse to spend recklessly.

[@lamblover714]

scary that so many people put Christmas as a priority

[@KennTollens]

Hard to manage bills when you don't know what they are.

[@beefen7921]

if I make 80K i'd be living so frugally while feeling RICH = )

[@30minforasn]

Bernie Fen i make over 100k but dnt feel rich.

[@theoutlier66]

Sure

[@Kosherstyles24]

@@30minforasn Because you probably don’t manage your money, you’re probably one of those idiots

[@johnadams3418]

Making 80,000 per year and behind on bills makes you a dead beat. Not meant as an insult but a statement of fact. Just like being unwashed and living with old food strewn about a house is not impoverished, it is slovenly. Best way to address something is to accurately identify the problem. She's less likely to do anything if she just views herself as "not good with numbers" rather than the deadbeat she is behaving like.

[@likeuntoleaven5605]

When they delay paying their rent, the landlord is gonna be late with his payments, then he’s gonna have to call Dave Ramsey

[@thomashaas5965]

I would switch some of the priorities just because they're in a crisis. I'd bring the rent and car current before the utilities. Utilities are much more willing to work with you on a payment plan than a landlord or car lender. Besides, utilities don't mean much if you don't have a home to have working lights and running water in. And NONE of that happens without a car to get to work in.......

[@alyssajones2781]

I have to have my car for my job since j drive . Don't have anything to sell since I left with nothing due to demostic violence . So I don't have much . I just got new job after being unemployed and now have three . Working is all I'm going to do to get my life together. I'm 7 months pregnant I pray I get 1000 before she's here . Paying rent then car loan (need it to have a job) then insurance and utilities. I got to take care of my baby . Pray for me .

[@BriLoveMusic]

Alyssa Jones I pray you're well and safe for the the rest of yours and your sweet babie's life 💕 Blessings. I'm happy you got away.

[@carojames6776]

Alyssa Jones just keep doing what your doing. Stay strong, stay focused. God bless.

[@sami-9233]

why did you get pregnant with that kind of living situation?

[@aliciahumpherys4916]

Sami - did you read the domestic violence part?? Maybe she didn’t have much of a choice in the matter! Always blaming the female for the pregnancy even though it takes two to tango...

[@gMalingo]

Alicia Humpherys amen!

[@DH-bx1qj]

I notice that Dave's always says take care of the four walls and number one is food. but I just want to add that most people are thinking about going to a grocery store. Well grocery stores are some of the smartest marketers in the world - they sell toys and junk food and clothes and all kinds of things that are really not "necessary foods". For example in my local grocery one can buy buckets of ice cream and boxes of chocolate bars (that are really luxury items and are also unhealthy) they also sell prepared foods that one just has to stick in the microwave and are much more expensive than buying the raw ingredients and making it yourself because most of the work is already done for you. so just be careful when "buying the food" and try to keep to what is necessary and needed and not buy junk!

[@dreamingbig5588]

"Lots of people need to get their hair cut immediately " 🤣🤣🤣🤣

[@micheleD498]

That's the truth! Lots of folks need it after being on lockdown...

[@fkc2107]

Pay yourself first, set a budget, pay your rent and pay Utility companies last or even argue with them.

[@poodlegirl55]

I am a landlord. I have to pay the mortgage payment even when I have a deadbeat like this. Even if she gets current on her rent she needs to look for a new place because her lease will not be renewed. We have no sympathy for people like this, they are the worst.

[@mickeyrourke6560]

I make $20k a year and I rent a room and save $11000 a year. No debts.. I know I don't have a luxury life but I have no stress because of f...… debts...!!

[@UnblockedOne2]

Likely, constantly paying a list of late fees, overdraft fees etc.

[@checkfoldcallraise]

I'm Puerto Rican, I'm born on beans and rice, rice and beans. That's whether you are rich or poor lol

[@rowdeo8968]

I never heard about Dave Ramsey until a few days ago and I have been watching these episodes. I am please with how we lived our lives as a team, raised 8 children, and lived modestly naturally. I have a Home Equity loan I am paying off. I have paid it off several times but now I am just paying it off and not going to use it again. The house is paid off except for the Home Equity loan. There are no debts that we have and have four cars paid off. I am about to donate one to NPR. I am paying off my daughter's master's degree willingly and at my husband and I agreement. We never eat out no vacations . He is retired and we are retired. I expect to receive funds in the future and we are set in our retirement fund. I would like to move but our real estate market is terrible and we will lose money if we move so we are not moving. No car payments. All my utilities are automatically taken out. I also helped one son with a debt. Now no more. They are all set. If I could not help my daughter, she would be able to take over the student loans and is appreciative. When she marries, I am only buying the dress and that is all. Of course I use a credit card but pay it off as soon as possible. Age 75 and 80 and done with it all. I think this man has so much common sense it is disgusting. I am not religious do not like religion and stay away from it all that is the only point I differ with him. I have my reasons why I feel this way. I am not longer helping my adult kids there is no need to except for one daughter I mentioned. I have grateful kids no interference and anything I do from here on in is going be death defying LOL

[@thequeenbee82]

These videos are so motivational. Just started our journey and loving it!

[@triumphiztation]

Obviously her household income is not $80,000 per year.

[@michelenolan7962]

Love his show!!! Looking forward to financial freedom addicted to this show

[@joanchristenson5761]

They are behind in all of their bills because they spent alot of money the month before . . . Christmas gifts. She doesn't sound like she is committed to the program.

[@x_270rr_s3]

Some American women dont have any self discipline bec its culture. So much money spend on make up , hair coloring and manicure so on. I don't spend any money for these stuff, but I do exercise and eat healthy. That's all matters. We all need self discipline, and create the life u want.

[@melindawills-girnus6658]

Love watching and listening to Dave Ramsey

[@betzy13ed]

It looks like she is expending extra $$ in non sense. There is no way with 80k to be behind unless ur debts/ expenses / pleasure are too high.

[@missyevitt8150]

Setup a payment plan and pay $20 a month on the medical bills. Those should be dead last.

[@jeffc5974]

When I had a medical bill over $20k, The hospital let me pay $10 a month.

[@brendaechols2228]

All doctors that assisted my husband in surgery wanted their money upfront , no payment plan, including the hospital! $4000. They refused doing the surgery if we didnt pay for it upfront. It put us in a big bind.

[@anthonymurphyDroghedaRural]

I am so glad I live in a country with free health care, no-one ever worries about medical bills. The US has a crazy ruthless medical system, it needs change

[@Jonathan01233]

Makes no sense $80,000 a year and owe rent and utilities ?

[@keeperofsecrets88]

We fell behind a month (or more) on utilities when my stepdad lost his job 3 years ago. He needed to get his license current to get a full time position at his new job so we had 4 months of our monthly income at almost $3,000 instead of the $6,000 we had been at. We had less than $1,000 in credit card debt & no savings & live in New York so our rent was1/2 of our reduced income. He sold stuff & borrowed a few hundred to get his license back & we paid the freaking rent! We've been evicted before & it's no fun! Utility companies will make payment agreements with you but we wouldn't have be able to get come up with first, last & security to get a new appartment while struggling that badly.

[@umt6429]

My parents fell into the same situation..and the reason debt...

[@MsYlatan]

Some people are total oxygen thieves! Such a shame.

[@ScreamGeronimo]

Wow I needed to see this. Thanks for sharing your wisdom!

[@Okastu]

why pay utilities first if no money left over for the rent and you get kicked out?? I'd say food, rent then utilities.

[@Okastu]

Mike Nelson rather live in a house with no utilities than on the street i think.

[@Wifeandmotherof1]

Aurelius I agree! I'm thinking why pay utilities first if you're behind on your rent. You need a place to stay first in order to have utilities. But needless to say, with her take home pay alone EVERYTHING should not be behind.

[@rosalynnweaver3295]

It takes a while for a landlord to evict them. If they follow Dave's plan they will be out of this mess in less than 2 months. The utility company will shut them off before they can get evicted.

[@justjessie5907]

They aren't really first. The 4 walls are mutually exclusive. There is absolutely no reason at 80k for them to be behind on any of the four walls.

[@mesube22]

+Aurelius I did it a number of times. When I got back on track I was still in my apartment and then I caught up utilities. I slept/showered in the dark.

[@johnzabik270]

I wish I had that salary..my house would be gone and paid and my 401k would be slamming!

[@euenfheiejrj]

I think its $80k combined which isn't that much... that's $40k each.

[@johnsuggs8810]

Emily Browning I make 85 and it’s not all that. Trust me

[@PJSparkles100]

@@johnsuggs8810 exactly!!!! Once I'm taxed it's not a lot.

[@marthacintronrnbsnbc7663]

I make 80,000 my take home pay is not $5000! After taxes and health insurance I bring home $4000 month.

[@bigspoon7984]

Dave, you have it wrong. Nothing gets paid until your rent - don't live in the streets. Nothing else gets paid until you have food - food is vital to life. The last important thing to be paid is utilities. You can survive in a house without gas and lights. You cannot survive, very long, without shelter and food.

[@theophilusredd3742]

You make $80,000 and you're broke.. that's SAD

[@NateBee]

She needed to talk to her landlord to spread out the past due balance on her rent over the months remaining on the lease. Any landlord will do that to keep you there.

[@joshmatthew4125]

How do they have no money making that much? How did they host a FBU class?

[@chicana44444]

Well said Dave!!!!

[@roxiecotton101]

I would think rent before utilities. Because what's the point having the heat on in your apt if you are getting kicked out of it.

[@pablofr74]

Very clear and reasonable line of thinking!

[@jtg2525]

They should probably be making minimum payments on the credit cards immediately as well, just to ensure no more late payment fees are added

[@rowdeo8968]

Unless you live in a public transportation city or town good luck living without a car. When kids are concerned, you need a safe car. Check the cemeteries for young dead people in car crashes. I also object to all family members traveling in the same car or van in the case of a larger family for obvious reasons.

[@jbdragon3295]

When I hear behind on ALL of our bills, I’m thinking, we’ll first thing, cancel a few things and get less bills to pay every month. For example, I don’t pay for Cable TV, I use an antenna for most of my TV. Student Loans paid off long ago. Bo credit card debt. That is auto paid off every month. My Truck is a 2003. Paid off long ago. My only debt is my House Morgage which I pay a little more on it every month. I try to limit monthly services that I can as these days that's what every company wants these days. Not to buy something outright, but to get you on a monthly forever plan. Say you buy a Ring Video Doorbell. Not you have a monthly payment for that for however long you use that doorbell. I have a cheap wireless doorbell that cost me like $12 from Home Depot. I did wire up Cameras around my house. There is the upfront cost for the system when I fully paid for and no monthly costs. That's a better overall system for my needs. You can get the Eufy Doorbell camera and gave no monthly fee. So look at other options and avoid all those small fees as they do add up.

[@wolftreetree]

One thing we all need to think about as Americans is dumping the Christmas festivities. It's interesting that all this is hitting her family right after the holidays, our people can no longer afford this anymore. It's hard to get caught up once your behind, it's hard to feel sorry for her as she makes about 20,000 more money than we do and I'm not in her position. She can turn this around. So many people I know have a problem of to low of an income.

[@peggysullivan5396]

Christmas has gotten out of hand I dread it- puts many in the hole

[@econarticles]

Fine advice Dave. Anyone know the song that's playing right before the call?

[@67judson]

I bet she never did any of this and is still behind and broke today!

[@motordar]

$80,000 a year and paying on a 10 year old car?

[@rowsdower12]

motordar as crazy as it is people mismanaged their money. she said that they live above their means. of course getting into more loans.

[@chrisgast]

Yeah, this couple really lost their minds a bit. They made more than one mistake in their money situation. I DREAM of an 80k salary. I would totally do better than this couple. Unfortunately, I have to settle for 40k at the moment.

[@rowsdower12]

chrisgast money is about attitude. So it doesn't matter how much you make. If you mismanaged at 20k or 100k. hence why so many lottery winners file bankruptcy. Don't know how to handle the money. heck government pisses our money then complains they need funds

[@chrisgast]

Zap Rowsdower212 That's true. However, 20k has very LITTLE room/margin for error when it comes to management of money - compared to 100k.

[@rowsdower12]

chrisgast true but why do you think a lot of low income people are in a lot of debt? of course I know everyone's is different situation etc. life happens

[@meritaisaku8655]

I make about 19 thousand a year with three kid's, single mom. My bills are paid,rent paid. I don't understand some ppl. I guess I'm used to the struggle, this woman has to get her priorities straight.

[@FortuneSeek3rz]

You must have a cheap apt.

[@meritaisaku8655]

@@FortuneSeek3rz . It's called being smart with your money. I don't buy thing's I don't need. We go out to eat once a month. I coupon, buy older car's. I don't need the luxury. I live simple.

[@ZeinabVID]

This was actually very helpful

[@aptate1988]

Instant gratification is costly

[@AFLive]

I will say I Usually Dislike Dave Ramsey advice cause He Don’t care 🤷‍♂️ about Emotion and Living your best life now !! But this Right was so On Point , Great 👍🏾 Value. I needed this

[@s1234pro]

I'm surprised Dave doesn't also recommend going to a food pantry. These are wonderful Christians that treat people in need with respect. Just one trip to the food pantry would be so helpful.

[@MaraschinoMary1]

I agree. She and her husband need to visit the food pantry to ask for food. This would hopefully show them some humility and what could happen if they end up losing everything.

[@annabowe3385]

They aren’t in need. They blow atleast 40k on useless things and could afford food if they were responsible with their money. Those food pantries are for individuals and families who can’t even afford to eat.

[@victoria.galvin]

Anna Bowe agree! They need to stop living above their needs and figure out what’s coming in and going out. Dave’s advice is correct.

[@michellekulas282]

How can they go to a food pantry with an 80K income?! That’s absurd and not what food pantries are for. Our household income is less than that... I certainly don’t donate to the food pantry to feed people who can’t make it work with 80K/year.

[@mirnapretty8169]

80k and behind on everything? Sounds crazy!

[@bebedeveronica5983]

Dave is my new Super Hero. If my husband will get on board, we will be on our way;)

[@janietram]

Dave would love this youtube vid: What NBA Players Bought With FIRST Check (Zion Williamson, Luka Doncic, Chris Paul) at 4:30

[@mrj-charles6383]

There was something there that Dave didn't address or doesn't know about. With the child support if you have arrears you run the risk of going to jail. If they go to jail or one of them goes Then There Goes half the income and they definitely would be living on the street. So they need to prioritize to get those arrears caught up before the court issues a warrant for the arrest the parent that's not paying. Making $80,000 a year they should be able to get those arrears caught up in less than 2 months.

[@mikenelson8377]

Mr Charles you weren’t listening. It’s called working like 3-5 more jobs and make MONEY. She and her husband need to be working just about everyday to make their mess go away.

[@idaslpdhr]

I think it should be Rent or mortgage, food, utilities , you won't be paying utilities if you don't have a roof over your head.

[@MaraschinoMary1]

And they don't need excess food if they have no home.

[@mikenelson8377]

It’s a good thing you’re not the one giving advice. It’s always food first.

[@idaslpdhr]

That's why I have no car payments I am ahead on my mortgage my Utilities are up to date I eat like a king and my credit cards are nearly paid off, following MY plan

[@phillipnevels1598]

I could have swore I heard her say at the beginning that they are FPU coordinators!!!!!

[@836dmar]

“Go through FPU again” except this time listen instead of surfing Amazon. Hope they found success but a SE barber during the pandemic? I do wonder.

[@beckygeer6480]

The call was in 2017

[@eddiekulp1241]

The more you make the more you want to spend on luxuries, and you think your entitled even when income goes down. Be me on s.s. disability less than 20000 a year you figure out how to live

[@haha-cm6pg]

My brain just don't get it with this call. I don't know how people can make new family and they cannot handle their food budget. Thank you Dave for your patience with such question.

[@ErrorPagenotFound-ig1cy]

80k a year still cant budget correctly... should only paying for one car at a time... Doesn’t know their take home pay... Seriously, they need to teach these life skills in schools.. Stop relying on the credit card.

[@joelsilverman6899]

with 80k you should be able to pay rent and your bills.. and you live in Georgia!! pull it together

[@pitsy4374]

Why does his take home pay calculation never add up to mine?? Where is he getting those numbers...., or NJ and NYC taxes must be completely different

[@righand]

Food first? I mean yea (ramen noodles) but I'd also be extremely worried about housing. You can eat off peoples plate scraps for free at restaurants, you can't just live anywhere for free.