Which Debt Do I Need To Pay Off First?

[@TheRamseyShow]

Make sure to hit the subscribe button and thanks for watching! kzbin.info

[@aleksandarlazic8994]

Not certain about the points made but ,if anyone else is searching for your credit report try Magonsi Credit Magic Expert (do a search on google ) ? Ive heard some decent things about it and my colleague got amazing success with it.

[@honestyhope260]

How do I call in?

[@Kitty-ul8rq]

How can I call you ?

[@juliecairns9644]

The Dave Ramsey Show what is your email address or phone number I have a question?

[@kamauwilliamk]

Done that, am a Kenyan 🇰🇪, love your advice

[@RD-qm7et]

“You’re getting a degree you don’t plan on using?” 🤣 he has no filter!

[@mr.speyside5240]

Savage

[@tlbx57]

Tough love to make her think. Feelings and emotion have no place in this conversation about finance.

[@Bobsonomatic]

It was a very reasonable point to make. You can tell she didn’t like the fact that he pointed it out, but that’s too bad. If she isn’t willing to face the facts about the terrible financial situation her family is facing, she can’t begin to address and eventually resolve the problem.

[@elizagaskell7957]

@@Bobsonomatic totally agree. Life happens but it definitely sounds like she is unwilling to go join the work as either a part time or casual employee.

[@masgordo]

Filter? Or reality?

[@steppentofortune7934]

This is why financial responsibility NEEDS to be taught in high school

[@Wingman-yl3qq]

Remember Me? Problem is who will teach them

[@AndrewP123]

It will NEVER be taught in school as banks and credit companies need dumb masses who get into debt and the government needs money illiterate citizens who as a result of their financial irresponsibility will end up on welfare and vote for whoever cough,cough democrats... gives them free money provided by the productive people who are taxed beyond believe, in the name of helping the poor - who hate and envy them with passion.

[@randomthoughtstoday]

excellent post. i agree. we never were able to take these type of classes in HS

[@oroville12345]

Hahahaha you are funny and that will never happen.....

[@cindyg1334]

Yesss! Such a big flaw in the school system.

[@Ace-ci2id]

140k in debt and I’m here stressing over 1,500 lol

[@abriellad6637]

Jesus 97 lol same

[@jakeraland5806]

😂😂 same

[@itgirlandthatgirl]

This 😩

[@marianad2635]

Jesus 97 Right!!!!😩😩🤦🏾‍♀️

[@manpreetsandhu7310]

same

[@EROBLOX2014]

People!!!! People!!! Please live below your means!!!!!! F**k a car payment!!!!! Stop showing off!!!

[@Mags765]

R D So true!

[@misschenda4717]

R D perfectly stated!

[@johntracy72]

Buy used.

[@bryanlettow4389]

No kidding I don't envy this type of debt

[@ttlola5515]

You hit the nail on the head,Keeping up with the Jones

[@brantley2171]

These type of calls make me feel better about my life.

[@RonniiLatrice]

Brantley ..lol

[@erodz2943]

Brantley True

[@Neilram2001]

Brantley you need other people's misery to feel better. I'd take inventory of my life if I were you.

[@crismae4627]

Exactly what i was thinking, amazing what people spend money lol

[@DavidsOutdoors]

Love that fred bear pic

[@LilannB]

She spent $90,000 for a degree and does not know what she will be making when she graduates. She has $50,000 in cars. Do people even think before they make these debts.

[@DivaGlam84]

Exactly!!!

[@lilylanoue]

LilannB I feel bad for the husband....either he is madly in love with the girl....or super stressed

[@leewalker9538]

LilannB

[@ThePittas]

Probably both.

[@MsSassyMT]

The problem is that when people go buy cars, most of the time, they listen to what the dealer says the payments will be and they accept it, not really taking into account their lifestyle. The dealer doesn't care about your lifestyle. They are simply crunching the numbers based on income.

[@Sir_BoazMutatayi]

$24000 and $27000 on cars ? Waouhh!! Since I have followed Dave Ramsey, I have learned to not envy those people driving fancy cars on the road. You do not know their financial situation.

[@jedrashidul6952]

So true. A friend of mine just sold off a car that took a huge chunk of his monthly income to maintain only to buy a much more expensive one😔😔 failed his maths in school I bet

[@cassieoleary3289]

Exactly!! Especially in big cities!!

[@pbasnya]

t

[@Doriesep6622]

A long time ago a millionaire (back then it meant something) said, always buy a used car. Because as soon as you drive a new car off the lot, it is used. I am envying people now who have old well cared for cars. One guy made a Honda last over 400K miles.

[@nikki-qb7iq]

This show has changed my perspective on a lot of things, lol. Especially living in the suburbs. You learn not to envy people's McMansions and BMWs because many of them are likely stretched thin and unhappy

[@hannahcurtis9919]

She doesn't need to be staying at home at all. If you're getting a graduate degree, you need to get a job

[@divinebydesign20]

@CarlosChip Morales her decision when you have babies and getting a masters. So stay in debt because if tge babies?

[@ASmith-jn7kf]

@@divinebydesign20 yeah. As a stay at home mom, not sure why get an advanced degree just to stay home. I don't think people plan on that but still you are accumulating debt, you better pay it off.

[@marcarrera4904]

Exactly!!!

[@marcarrera4904]

@@ASmith-jn7kf it's called bragging rights lol cant tell you how many stay at home parents that homeschool always use the degree as a bragging tool its ridiculous!

[@marcarrera4904]

@@TSV805 right but the problem is school should be stopped if she is planning on staying home.

[@parisian_nicole]

I agree about the cars a stay at home mom does not need a $24-$27 thousand car.

[@ASmith-jn7kf]

With 5k a month, they could have saved money and bought a car cash.

[@alexg8460]

A 3k dollar minivan is a great car for getting around , decent its not a bmw or 2018 but it doesnt cost you $600 a month.

[@James5_50]

I paid my track $10k (2011 Chevy ) it working good

[@mwrgibsonr169]

All my life I look for older lower mile cars. My pickup and car are around 20 years old now and they get me around just fine. My tags and taxes this year were $164.00 dollars. Why spend $30,000 on a vehicle when you only spend 1 to 2 hours a day in it???? I always have them serviced regularly and I wouldn't be scared to drive them cross country. Learn to take care of your vehicles and they will last a long time. My phone is just a cheap Walmart phone and it don't cost me much. I don't get caught up in buying a new phone every time a new one comes out on the market. My laptop is eight years old now. I learned to keep things till they don't go anymore. My house sits on 10 acres and it is paid for. I am out of debt and have been for years. All that money I save looks better in my account than some car dealer, banker, phone company, treasures office, etc. Now take my neighbor who has two new vehicles, boat, camper and other toys. He owes on everything and he has two jobs and his wife works too. You call that a life. I believe he took his $20,000 boat out twice last year. My $600.00 dollar boat works great and I take it out at least once a week. People need to learn to be content is the first thing to becoming debt free. If we took away everyone's credit where would they be? If USA didn't have credit most people would be out on the streets.

[@serina_makeup_mama4094]

When you already have a large amount of debt like 90k, 25k probably looked smaller to them. Crazy math they did lol

[@DanielAllen45]

These videos are helping me realize debt sucks and I should pay it off , and helping me refocus on my life

[@heatherjohnson5612]

I totally don't understand why people get a degree especially master but want to stay home. Maybe it's just me but it seems pointless.

[@papy012001]

Some people get a Master just to brag about it

[@IamAnnety]

Pretty stupid in my opinion.

[@TheConservativesrock]

They are morons

[@LOUDPACG]

@Tatum Martin That's why you get a degree in a high demand market

[@TheElleWord316]

Heather Johnson she doesn’t want to stay home she is taking care of the kids and waiting to finish clinicals

[@TinaMyles]

Dave Ramsey's insights have been a game-changer for me! His practical approach to financial management has empowered me to take control of my money and work towards a debt-free life. The Total Money Makeover is my go-to guide, and I appreciate how he breaks down complex concepts into easy-to-follow steps.

[@marielisrojas9250]

Most of these comments are insensitive and judgmental. Of course she’s going to be a bit defensive. At least she had the courage to call in and seek advice. Yes, of course she needs that tough-love, but she doesn’t need anymore shame than she already has. I truly hope her an her husband are on their way to bettering their situation and have learned from their mistakes. We’ve all made mistakes, some at a higher price than others. I’m sure she has read these comments and instead of shaming her, we should encourage and support her journey. It’s so easy to see someone’s misfortune and mistakes and quickly brag about how we’re so much better in those areas they’ve messed up in, but I’m sure there are other areas in our lives, that have nothing to do with money, that are in total chaos. I wish her and her family the best!

[@themontephone875]

marielis rojas . Well...I think comments are supposed to be directed the other way. Yep!

[@zimni08]

marielis rojas i agree!! Praying for them!

[@PJ-qr6xu]

I agree to an extent. She is young and now learning her mistakes before she is too old.

[@bc2015southern]

Amen

[@dang75790]

She's another dumb college grad! Lol

[@BrianMarcWhittaker]

I appreciate you being so direct. And then coming around with the advice. Tough, yet loving advice.

[@lareinadeinglewood]

she has 90,000 in student loans and she cant work full time because of a baby???? She better go to work full time and find a sitter. I had twins and I rushed to work real quick.

[@lizamedia1015]

Working full time is great but what money is paying for babysitter?

[@jamaallewis3520]

Lye- za baby sitters and daycare are expensive but she should still be bringing​ in more money working full-time then for child care

[@misschenda4717]

Reina Carrillo amen!

[@rgchrono]

amazing! I work as a teacher, most teacher at my work site tend to go on maternity leave for 3 months and then they come back to continue their jobs. The 3 months is fully paid, but they still go back to work. One thing I also notice, most of them also go back to working out and they fight to get their old bodies back. It shows that they have drives and work to get where they want to get to. The only kind of women who don't do this are lazy or just blame everything on their poor babies. -_-

[@Mrs.T305]

Reina Carrillo exactly she needs to get to work

[@journeywithus7]

I'm so happy that I discovered Dave Ramsey this year. I'm now on my debt free journey. God bless you Sir!

[@georgelupercio2795]

I want a low income of 5,500 a month!

[@31bbjm]

I make 90k as a correctional officer come apply

[@jennielin508]

@@31bbjm that's a terrifying job tho. Lol

[@RHI.750]

Same!

[@bizy05]

It’s not that much...trust me

[@TheMightyPrimeHD]

I make that at 23

[@teanishabailey6766]

It's easy for us to listen to other people's poor decisions and think how radical and insane their decisions may seem but fail to look at the unhealthy behaviors we demonstrate daily. This video put a lot in to perspective for me personally. Changes are definitely on the way

[@gregmason369]

Focus on lowest balance first. Put whatever extra you can towards the bill. If you look at everything at once, it can get overwhelming. Don’t take out payday loans. I personally contacted a repair company to take out collections and currently have a FICO score of 790.

[@HairTalk101]

What company?

[@rdavo]

I'm telling you...we need financial education from 5th grade up to 12th grade at least. People can't control them selfs and lending banks are sharks that don't give a poop about ppl.

[@diamondthomas8734]

rdavo agreed!

[@illenessOne]

rdavo sorry they not gonna give education on that. They want us in debts .

[@shieh.4743]

Hubby and I can relate to the very high student loan debts ($145,000 for the two of us). We struggled to get away from perpetual low incomes or unstable employment due to contracts. It's been 12years of living very frugally and we're almost debt free. It's a tough road and don't wish it on anyone, BUT I have so many other blessings. I think it might be helpful for people in baby step 2 to really focus on what they have rather than what they want. The minimalist philosophy "love people and use things because the alternative is never worth it".

[@mikenelson8377]

Shie H. What the heck are your degrees in??? Please don't say German Polka History, Liberal Arts, Art, or Communications lol

[@MJ-cu1nw]

Sounds like their living above their means.

[@fpl_bailey]

way above

[@mikenelson8377]

They're and yes, they're living a huge lifestyle with no means

[@tracyowen6872]

They’re

[@shaleknight6224]

EXACTLY

[@Michelle.8619]

Exactly...

[@appleforever6664]

The average salary for a clinical intern is $30,000/yr. A licensed clinical therapist makes on average $60,000/yr. I would try to sell off one of the cars and buy a used car.

[@MarkZ_1985]

sell both cars & buy used. with that huge student loan debt of $90k. her income would not be enough.

[@latinobazaar]

Sell off one of the cars and only have one car.

[@lionheart93]

Sell both man

[@shannonyoungberg9327]

Jesus. I makes 60k with no degree. People should really consider trade schools. Minimal student loan debt and great career outlook.

[@lionheart93]

Shannon Youngberg ya I am for sure. What school do you recommend? I’m looking to seek a general contractor liacense

[@Maxdouble07]

Them cars will getcha every time. That's why some of the richest folks be driving their same car for years and years.

[@latinobazaar]

Yeap! I have a friend who earns $18K a month and drives a Nissan Versa which cost $9,999 brand new.

[@shanetrat9303]

Almost all my pharmacist friends drive old beat up cars. & they make $60 an hour

[@JLSCPhT]

@@shanetrat9303 lol what state is that in??? Pharmacist wages across the country are dropping to $35-40/hr. The average pharmacist comes out of school with $150,000 in student loan debt, and some even $300,000...the field is ridiculously oversaturated now and many companies are laying off older pharmacists that were making $60-70/hr in favor of paying lower wages. The field is a mess.

[@peartfaldo]

AND no one with a brain and self esteem cares

[@dp-mcfly5158]

This is crazy. I make only 30k a year and own 2 cars both Chevys and paid cash for both. I've put some money away in a 401k, money market, and a Roth IRA. I cannot understand why people would buy cars to put themselves in debt just to say it's reliable and it can brake down at anytime. Saving can be done you just have to make a plan for yourself.

[@kristinabatista6766]

DP- MCFLY They are the perfect example of the morons you see who drive expensive cars but in reality, they are in crippling debt.

[@anaq6149]

DP- MCFLY yes. if you only make 30k you cant afford a good car.

[@pleasuretokill]

Depends what your other finances are, really and what you call a "good" car. If you don't have kids, rent and have roommates and no credit card debt or any student loans (my situation) you can afford a bit better of a car. $10k in that instance will get you a "good" car if you shop around. I make closer to $40k, which isn't much, but my total debts minus food are about $1000 a month and that's WITH my $305 car payment (0% interest). Not everyone can be lumped into one scenario. It's the people with massive student loans, 2 kids, $10000+ in credit card debt and a sizeable housing payment that end up taking on a $30,000 car loan that need to be worried. I will probably never have kids. Escaped a 6 year marriage without having them.... no thanks. I like money and freedom too much, lol. Call me selfish, I don't care!

[@anaq6149]

Devil'sAdvocate selfish Jk! But I have bought a brand new car before and never again.

[@josephbaber12]

That's not so much selfish. Your more than less depriving yourself of simple life pleasures. For instance My daughter has been a godsend to me. Knowing that all the money I work for will go to someone I love dearly when i die gives me motivation to make more. Your actually limiting your success because all you see if dollars and sense and don't have anything to put that back into. (freedom isn't worth as much as you think it does.)

[@deftones2684]

People make mistakes that the outside world deems as ridiculous but no one can judge cause we all mess up.

[@themontephone875]

Deftones 26 . Hmmm. Judging? I think comments are suppose to be in another direction. You know they are running out of food and shelter for the children. It’s righteous anger to save them. Our conviction is for the innocent. Yep!

[@katedscribe4179]

We are called to judge justly and righteously. Judge not lest ye be judged means to not use a double standard.

[@rubycrystaldust7007]

No. prioritizing looking rich when you’re broke by rolling in a $25k car is just a gd character-flaw. Get real.

[@rosettadenton2876]

I just start over. Regroup

[@solidXmike]

It's like nails to w chalkboard every time she says "ummm." If she's reaching out for help, she can't be so defensive and sensitive when someone gives you a reality check.

[@SuperNovaStar9000]

solidXmike I agree. Especially when you ASK the other person for it

[@jodynanci]

solidXmike it's just stress

[@johnnyexp3645]

Yesss! Preach it👐

[@dustinkrejci6142]

Being judged/shamed while trying to ask/getting for help is a real thing. Personally it hurts!

[@arniepineda7799]

90K in student loans! And im here stressing over 10k that i still owe.😂😂

[@kw9299]

Arnie Pineda ....Right?!?! I've got about 3 yrs left and it's making me crazy! Some people get loan crazy, desperate to finish school but once that's done you're hit with the sledgehammer of reality.

[@IlikepurpleXP]

Lol..consider yourself lucky.

[@kimwannamoore43]

Arnie Pineda 😂😂

[@samanthan2999]

Sameeeee

[@jadedivine8842]

I owe 0$ in student loans 😊

[@nmikloiche]

Birth control first suggestion. Work full time when husband is able to watch the children. He is his own boss so he should be able to figure out a schedule. And how is she doing her internship for the full year ?

[@SJB25]

Yeah. Who is going to watch her kids while she does her intership and how are they going to pay for childcare?

[@ASmith-jn7kf]

@@SJB25 why can't her husband watch the kids??

[@wickedleeloopy2115]

She is going to have to sell her children to be able to afford the cars...lol

[@galena4785]

I do not want to bring my student loan into my future marriage. That is for me to pay.

[@Baccanaso]

Galena agree

[@ejames80]

I agree with you

[@ASmith-jn7kf]

Okay.

[@MOMO-tv8zd]

I agree as well.

[@30minforasn]

Too bad. It will effect your significant other. Whether u like it or not.

[@laanierhae]

She started the call saying, "we've pretty much have everything paid off..." and then drops these bombs. And student loan debt accruing at $300/month? Insane. I wouldn't be surprised if there's credit card debt in there somewhere that she just omitted because the rest is so outrageous.

[@feeflava3410]

So much respect for Mr. Ramsey. He tells it like it is & breaks things down where we can FULLY understand. 💚

[@ericstewart0921]

No sympathy for this woman. THREE KIDS and a graduate degree and NO JOB. She trapped her husband.

[@workingshlub8861]

gotta agree..her husband does not have the balls to say ' get a job" im killing myself here.

[@savemoney4058]

She absolutely trapped him. But it gets better. Eventually she will divorce him... under the guise of irreconcilable differences.

[@srokabezoka5159]

Those are his children as well.

[@yrellim]

Ifoldthenuts do you know men have a role in making the 3 children- did she trap him or he trap her Ifoldthenuts???Actually it'ssounds like they are married and had children and she also wants a career so she can contribute. Dude your attitude is from the dark ages man IMO !

[@ericstewart0921]

Are you joking? She's calling this show complaining about the debt she's in, but has absolutely no real plan or interest in taking action. She has an excuse for everything. 140K in debt with 50k in cars?! Elects to have THREE children. What are you not getting? This situation is fatal.

[@helenamensah7274]

My first time watching Dave and his background and headset are perfect for this call, since his reaction to her responses is like him watching a football team that will never win! I had to smile as he crosses his arms across his chest as he's in deep contemplation over how to be polite yet provide this lady a much needed wake-up call! Don't Hold Back Dave, Tell 'Em!

[@Clemsonshawty]

If she’s a stay at home mom why does she need a new car?

[@Unibot47]

Because she wants one. And more kids. And to be able to not work. This woman is unreal.

[@peartfaldo]

EXACTLY!!!!! THIS is why people cant pay back their student loans. Just dont dont tell Bernie and Elizabeth that...........

[@cartninja6479]

Because she's a princess of course. He would bet my right but it's a German car

[@unnamedchannel1237]

Why does she need a degree?

[@773elim]

Good point!

[@j.rothchild173]

$96,000 degree, she better be working on spaceships !!!😳

[@EMichaelBall]

That's actually pretty cheap; her field of study is very automation-proof. A lot of people will be in serious trouble in the coming decades.

[@nicka2121]

ALWAYS pay off the debt with the highest interest rate %. I had a used car with a 5.69% interest rate, now it is fully paid. That's why it is important to always pay your credit card at the end of the month. If your credit card isn't paid, most of them have a 15%-25% interest rate on them. Then this would be the debt you need to pay off first, because it has the highest interest rate.

[@kelvinfeliciano]

she is going to college for counseling when she is the one that needs counseling lol

[@Longmiestr]

You hit the nail on the head.

[@ASmith-jn7kf]

She's not going to school for financial counseling.

[@franckycasimir5326]

lol that true

[@franckycasimir5326]

i advise u guys keep 1 car for now buy a cheaper one just for work ..and your husband can push harder to get more work to fix the problem

[@ShannonSoSweeet]

I agree 😩🤦🏾‍♀️😭😭

[@EpyonRoyal]

"I don't wanna work, my husband is broke. How do I pay my bills?"

[@TacosnZorro]

Do you have any idea HOW expensive child care is!? They're SAVING money by her being at home. She'd have to take home more than her husband with her new job full time to get ahead because half of her salary, if not more, to child care. It isn't a matter of "want" to work. However I do think it's ridiculous she went into a huge masters program and has no idea how much she will make with it. There are other jobs she could do part time even while being at home instead of amassing more debt.

[@AMindInOverdrive]

This is why I like to hear several opinions on things. Both of you make good points. I hadn't thought of the childcare but yeah someone recently told me the cost and I nearly fell off my chair - it would be better to stay home...also, kids being raised by mom/dad is much better for the kids - can't put a value on that.

[@amiramatthews3255]

We fell off our chairs as well when we started shopping around for child care. child care causes moms especially to step away from the work force. Along with a shortage of quality care. Cost and safety were the deciding factors for us. Its a catch 22 if working and paying child care put you in the red. One parent staying home saves money. Childcare. Transportation cost. Cost of two vehicles. It all adds up.

[@ladyema8836]

Yep, single moms do it everyday AND pay the expensive daycare. Pay $7000 - 10000 to the daycare but with a Masters Degree you could be making 40000+ first year and grow your income from there as you gain more experience. You still bring in money. These are excuses women who have husbands that can work find to stay at home with the kids. Which if you don't have debt or your husbands money is enough for your family then ok you have the luxury to do that. But if you have a large debt, don't complain if you are a part of the problem and not the solution.

[@craigslistoceanside8677]

SovngardeBeckoned people seriously have no idea.

[@semajd5995]

What people don’t realize is the majority of people they see on social media living their “best life” are in the same situation as this young lady

[@bryonmiller4326]

She's worse off than she thinks. She mentioned bringing in $5,500 a month. The way she said it sounds to me like she isn't taking into consideration operational costs. If that isn't AFTER expenses are paid, they're in a far worse position.... I do not think Daves assumption they make $66,000 was accurate.....

[@fallguy4209]

Bryon Miller lol 5500 x 12 months is 66000.00 if that’s take home lol

[@debbieksycki4059]

Bryon Miller Has

[@powellpicc1985]

Does this woman know who she's talking to making this kind of call with these numbers??

[@Jo71603]

Hi Kelly!

[@austinevs]

Hi Kelly!

[@jiivasquezii2210]

I guess that's the point of the show

[@brycehedstrom374]

This situation is INSANE! We make much more than this young couple and we just bought the most expensive car (paid cash) we have every had for $10,000. Best books for this are ones Dave recommends: The Millionaire Next Door and Stop Acting Rich by Thomas Stanley.

[@Mypainfullyaveragelife]

+Bryce Hedstrom bought my $13,000 car cash and never felt better!

[@GalbertKun]

Good job guys!

[@cachaygreen6886]

I will add these to my reading list. Thank you❤

[@masterchief8855]

Ill bet money he isnt withholding taxes on that $5,500. Thats a big bill coming his way.

[@keyroncampbell]

yep

[@tracyowen6872]

masterchief88 I

[@fallguy4209]

He Probably doesn’t even make that much. She’s seems like numb skull

[@TheToadChild]

masterchief88 Those are horrible letters to receive, I hope not!

[@arienfox]

True.

[@SportZFan4L1fe]

Go on Craigslist and buy an Toyota Camry or a 4runner for $3,000-$4,000 dollars and drive those Until she graduates and gets a stable job. Get rid of the cars.

[@deysanimations1949]

How she do it she already is in a contract guessing five years if she return the car to the dealer her credit will be ruined. What is the step by step if there is to do it with the dealer

[@nextari]

"Hello, this is the Dave Ramsey show, please sell your car and then call back with your question. beeeep."

[@BagsNBaguettes_327]

I spend several hours a week watching your videos on youtube!

[@patrickthomas815]

I agree Tania; He's full of wisdom and understanding. He's the internet "Best kept secret!"

[@joedoe7839]

Tania Martinez That is it? Lol

[@themontephone875]

Tania Martinez . Encouraging. I study3 hours each day on DR process 1) videos 2) meditate on finance 3) put into play . You’re right!

[@tanyaparker-callsign.kk7ic238]

I love you Dave Ramsey and so glad I found your KZbin page when exploring investment options! I used to listen to you all the time on the radio about 20 years ago!

[@pradys]

I got me a Master's Degree in tech and struggled to find a job during great recession. That's when I realized that your degree is no certain path for success. Today as a investor and a KZbinr that's all I love to teach people to not make same mistakes. Financial Education is more important than conventional education.

[@daricej9753]

At least she can counsel her children with her education :-/

[@DivaGlam84]

😂😂😂😂

[@tiffanyvalencia8415]

That's IF she has the 1 in a billion kid who actually takes parental advice 😞

[@Brook465]

Lol

[@James5_50]

She need counseling more than her kids

[@ExploreNature0123]

Love when people call in and get quiet when they hear the truth (what they don't want to hear). That is what I love about Dave. No fluff.

[@ExploreNature0123]

@John I'm good. Don't need your scam. Can pay my own bills.

[@gabel4277]

This is the majority of Americans, we spend more then what we make, simple.

[@artonsmith1976]

sell the cars, get a job and get into passive investment (forex or stocks) with professional so you pay off the debt in no time.

[@cassandrafarmer5985]

The family is a big fix. About forex trading how do I get started. Stay at home mom here 🙋‍♀️👨‍👩‍👧‍👦

[@jasonking2780]

I've had a lot of losses coz my entire portfolio keeps fluctuating. I could really use some help. Thanks..

[@artonsmith1976]

I'm working with a financial advisor, Mr. Lucas Anders who trades for me using spectacular expertise. We've almost reached an €80k mark on profits gained.

[@christianclark3260]

@@artonsmith1976 how long did it take to make your 80k??

[@cassandrafarmer5985]

@@artonsmith1976 ur doing very well for yourself. Some friends have suggested forex & stocks, lord knows my husband is too busy. Either ways how does this Lucas Anders go about his services?

[@goldentrucker7921]

Way too much debt! They need to cheap cars. 2004ish Honda's or toyota corolla. Get rid of the car payments, and work down the loans! They're living like they're making 150k a year

[@ramoncortez3154]

A lot of what I’ve been learning from Dave is to AVOID CAR PAYMENTS. And here I was thinking to reward myself by purchasing a corvette when I graduate in the fall of 2021 🤦🏻‍♂️

[@malikaharper23]

She should of waited for grad school if she wants to be an at home mom and why would she need such an expensive car to not work

[@FltMdk]

I don’t think Ramsey appreciates how much trucks cost. The guy likely has a 3/4 ton working in construction. A 3/4 ton truck that starts reliably is going to run about $25,000. You can’t finish a job if your truck is constantly breaking.

[@rubycrystaldust7007]

No way. Tons of my friends and boyfriend do this with $4k Toyota s. If he’s maybe bringing home $5500 per month he’s not doing huge construction jobs obviously

[@patrickfinn7041]

The Paramount focus remains; being able to live Debt Free, I encourage multiple streams of income and a diversified portfolio; you wouldnt believe the massive relief that comes with not having to live paycheck to paycheck, hence i recommend Arthur Winchester

[@lorraineshelby9314]

Love you guys! Here's my latest little win, i got the WinxInvest recommendation in the fall of 2018 with about $75000.00 of debt this Wednesday just gone, we are under $20000 a lot of this was paid with one income. I and my partner are so excited.thanks guys!

[@dougdebear2098]

I laugh at the number of those who fell for the "guru" trap and threw away good money on expensive membership and lost trades.

[@fernandasouza.k3202]

I gain 15% of my total amount which equals to 100% profit each month, very slow pace Can i work with Winchesters?

[@oscarrodriguez-ym7ev]

+lorraine that's a heavy burden off your shoulder 😩 hi Winchester 👍

[@fernandasouza.k3202]

+Douglas what makes up your portfolio?

[@joiheaggans1807]

I just love when he ask questions that makes sense “your spending money getting a degree you don’t plan to use”

[@joelhinojosa6838]

Dave i watch your shows every once in a while. I really think its good you giving the program to this family. Good stuff here.

[@jackiedecastro]

Seriously woke me up with these two statement... “You’re getting a degree you don’t plan on using?” & "How much will you be making when your done? "

[@jonwojcik4494]

So my dad what worked his @ss off, to pay for his family. My mom really wanted to go to college, she always wanted to be a teacher. She ended up just staying at home taking care of us 3 kids. She did a great job and didn't accrue any debt #nostudentloans . Dad paid off the house and retired happily, and you know what, mom got to be a teacher helping special needs kids(20 years of dealing with us sure helped!)

[@anaq6149]

Jon Wojcik your parents decided that raising children was more important than having a new car. 👍 This guy here is sending everyone to work.

[@Wingman-yl3qq]

Raising our own children is the best contribution we can make toward a better life for all! Money will never create happiness.

[@themontephone875]

Jon Wojcik . Hmmm I just got chills. You turned out great from your story. I’m glad you wrote bc there are fatherless children who need your clear story to see how it can be done. Encouraging. People are so anxious and competitive for debt? Interesting. Yep!

[@Marie-wc7kt]

Girl please get a job stop it blaming the child.

[@ASmith-jn7kf]

How is she blaming the child? Is that a black woman thing, to have no inclination to raising your own children?? As a black woman, I do not understand the disdain most black women have for staying home and raising their own children and foregoing being a co-breadwinner. Why have children at all? If you are okay with missing out on their lives, not breastfeeding, not holding them, not being their main carer and nurturer, why do you bother to have children at all?

[@raggedyann4372]

The banks' family Babysit a couple kids and you can still stay home

[@frankrobinson5453]

My mom always told me if you don't have nothing to say, don't say anything. I have no words for this woman.

[@mikaylayoung33]

I wish we could see what these people did and if they followed his advice, I’m watching this 4 years later

[@renewedinchristromans12]

Dave Ramsey is awesome

[@bobmoe5934]

Wow. It’s amazing how she can justify $90k in debt for a degree in counseling.

[@livi_bridge]

That was horrific. I'm glad that I'm learning from other people's mistakes so early in my life. People should stop trying to "keep up with the Jones's" and stop trying to live beyond their means.

[@Richb711]

cut the cable the high speed internet and anything else that is not essential. And things you can do yourself. cook for the whole week so you have ready made meals. It can be hard because you always want and its short term gratification. But you pay for it in the long term literally

[@bumpcity9794]

She needs to get to work, Use that degree! For crying out loud! Common sense.

[@lifewitholga_]

wow he is going to pay for it! That's so awesome! I really hope they get out of that ditch. I pray they don't divorce. Poor kids

[@alfienykabutler5919]

Sometime I have to ask myself. WWDD "What Would Dave Do?"

[@Curiousnessify]

he would say sell it

[@margareto1600]

🤣😌

[@Mrs.T305]

Counseling degrees are a major rip off and its a low paying profession and after graduation u need to complete 2 or 3 years of a clinical internship before u can get licnesed. She needs to sell those cars and GET A FULL TIME JOB!!!

[@meanvecktor1900]

Man Dave Keeps it real, I love this guy

[@bigmo6211]

Sell your car before you call Dave 😂

[@themontephone875]

BIG MO . That’s what I was saying. Write it out before calling in. Might be a reason why the call was sent through. Yep!

[@7777fbey]

Thanks Dave!!! I’m saying that on Kelly’s behalf because Dave’s generosity touched my heart. My God Bless you ♥️

[@ladypilliwick8179]

wow. I see a divorce big time headed their way.....sad. this story makes me cry

[@ASmith-jn7kf]

Why is that??

[@cryptobulls1161]

I like your channel...I recently got rid of 57K in auto loans by selling cars and paid 13k in negative equity...rates were 6% and 12%...free up 1400 a month! Lots of sacrifice but finally paid off...now working on some credit card debt 12k @ 0% for 16 months

[@l9878]

I know this is 8 months old but she should check into the National Health Service Corps student loan repayment program. They give you money to work in low income areas and I know that therapists (which it sounds as if that is what she will be) are eligible.

[@themontephone875]

L . Hmmm she said she didn’t know what to do with her masters. That’s why DR responded with perturbisness. Yep!

[@sculptedbymonroe7043]

I appreciate the fact that he’s straight to the point! You’re going to school to get a degree that you don’t plan on using? Put that baby in school and go to work! Work from home! Do something! This is making me consider selling my car.

[@william629]

$90k for a degree in what she calls counseling?! Just hearing about the decisions she's revealed during this call, I wouldn't want her counseling me about any of my life choices!

[@katesmith891]

Best recommendation for debt clearing and credit repair,fast and reliable service

[@AzariaBell24]

Sometimes I wonder what these people would be doing if they didn't know about you dave!

[@TheRamseyShow]

+Azaria Bell Thank you for watching!

[@Michael-ke8on]

+Azaria Bell Yeah, it's hard to know who would show them the light of way.

[@deeb1636]

I’m using the snowball method to pay off 30K in credit card debt from house repairs. This program should be updated because $1000 is not enough money for an emergency fund. With inflation and the economy in a downturn, you need at least 1 month of expenses in the bank while paying off debt. I tried the 1K and my furnace and hot water heater broke at the same time, and the 1K did not come close to covering the expenses.

[@F_And]

If you're staying at home so much, why do you need such an expensive car?

[@jerbearnotabear6818]

What is wrong with people!? I can't understand the stupidity! I admire Dave's patients and sympathy.

[@FortuneSeek3rz]

Without these types of people Dave doesn't have a radio show. He needs these types of callers. That's where his patience comes from.

[@katanderson22]

Here student loan payments are going to be well over 750.00 if on the typical 10 year repayment term. Holy cow and she doesn't want to use her degree right away. YIKES.

[@angelbear_og]

+Katrina Murphy It's not that she doesn't want to use it. She had a baby (surprises happen) and is doing the BEST thing for her child -- staying home to raise it. Frankly, I can't stand people who pop out babies and shove them into daycare so they can "have a career."

[@katanderson22]

+j3ss4ndr4 oh I understand I'm a SAHM too, but did she think about loan payments when she started grad school, or purchased two cars. I just think a lot people in today's world don't think about the future with this type of things. I mean you can have a car loan for eight years, can you imagine where you could be in eight years when signing those loan papers.

[@karenvanorden6711]

Kat Murphy and if she waits her degree will be less marketable

[@jtowensbyiii6018]

That's not 10 years that's 30 years

[@kimchee94112]

First rule of of financial freedom: Never lose money - Warren Buffett Second rule of of financial freedom: Never marry a woman like her - Common Sense Third rule of of financial freedom: Repeat First and second rules - The Financial “DO” loop

[@caalmen1522]

She’s not getting rid of her car lol

[@mdrmoose]

so glad i chose electrican over college! been in 10yrs house paid and multiple new vehicles paid off! so glad most people look down on construction careers!

[@knpstrr]

Experian said in a report Thursday that the average monthly payment for a new vehicle hit $493 in the fourth quarter of 2015, up from $482 in the same period of 2014. The average amount financed for a new vehicle was $29,551

[@candyluna2929]

a nation of broke ppl

[@rowsdower12]

that's insane. But people want more goodies on their cars. it's a nation of credit which makes people feel invincible. that's why we have economy crashes

[@pleasuretokill]

My car brand new was $21,000, 2015. Payment of $305 a month. 0% interest. I pay $500+ on it as I have literally no other debt that isn't unavoidable (food, gas, rent ect.) That will be the last brand new car I ever buy. Will have it paid off by the middle of next year at the latest. Then I will drive it until the engine jumps out of the hood and commits suicide. After that 2-3 years used for anything else I buy and it will be cash.

[@ASmith-jn7kf]

If you can afford it I guess it's fine. No matter how much money I had, I would never pay that much for a car.

[@crb4059]

$900 a month now

[@leodass]

Hello Mr.Dave, You are the saint,for helping people to clear all debts and helping them build financial wealth

[@timetoinvest1012]

Thanks ,Dave I just bump to you talk show because I have 20K in credit cards dept and I was surprise how much dept others people have compare with my dept.

[@TheRamseyShow]

Time To Invest, Welcome to show! You can find a lot of videos here to educate and motivate yourself to become debt free! Thanks for commenting and watching this video! Don't forget to subscribe if you haven't already! kzbin.info

[@Jonathan01233]

Time to Invest !!! I'm only in $12k debt, these people are in so much debt compare to me. I can most definitely pay off my credit cards by 2018.

[@KelseyCate]

J Brandon my fiancé and I are both 12k together in total. I thought it was bad nd was getting anxiety attacks because of it. And this includes student loans and credit cards! In two years, I expect 10-15k more on college, but I also have scholarships. But I was thinking it was bad until o watched these videos. I totally feel like we can pay this off by next year. I'm feeling. Little better too.

[@Jonathan01233]

Kelsey Cate YES we can most definitely

[@michealsurgeon3215]

@Time to Invest !!! Wow!!! We can help you take care of all your debts 🤩🙏🏽message us at [phone]

[@PAPERCHASERCH47]

She makes no sense. Have 90k in a school loan and don't even know if she is gonna work in that field. Smh. I hope they get it together. Debt is so stressful

[@jennielin508]

Am I the only one who gagged hearing their debt!? Omg! 😱

[@WJ4x4OR]

I think the true answer for this is to go make more money. So your husband need to multiply his hustle to support his family. The fact that he opened his own business is probably the best action his taken.

[@jediknight38]

With a debt that is over $140,000, both the husband and wife should BOTH be working!

[@timlwig5367]

jediknight38 extremely rare fir u not to be

[@mmledwards1979]

Back in 2002 I bought an $18K Mint 98’ Trans Am and took it to a shop to have the dash ripped out to make the car talk and have gadgets like Knight Rider. When all was said and done I had a car I soaked 50K into and it had a cardboard (covered in Vinyl) dashboard. Sold it for $23K! Biggest financial mistake of my life! As my father says...”The best lessons in life are bought and paid for”

[@nemybunny6132]

sounds like she has been wasting time and not planning on working. I'm working full-time, live alone and paying for school out of pocket. yes I have debt but nowhere near that much. lady is insane

[@ASmith-jn7kf]

So what?