"You Guys Are The Most Completely Chaotic People I've Run Into In A While"

[@garrettspeakeasy]

One of the many reasons I listen to the Ramsey show is the fact that the callers seem to always make me feel outstanding about my life choices.

[@dancalmpeaceful3903]

Yeah..I agree....most callers make me feel like Einstein to be honest with you....which is pretty sad.....

[@AC-uj8kf]

Ha ha ha. Sooooooo true!

[@sanitary103]

Unfortunately the bar for financial literacy is very low.

[@atdepaulis]

😂

[@atdepaulis]

They remind me of where I was and why I never want to go back to that!

[@cjhoward409]

I worked with a lady who said she couldn’t afford new tires for her car but spent $10 a day at Starbucks. All those “little” purchases daily can add up. I guarantee they’re eating out too much and buying expensive drinks. 🤔

[@rtimmins7212]

Yup, this is small purchases adding up to hundreds a month for sure.

[@daphne10120]

Facts

[@bettyroberts4156]

You can buy "to go" cups and make your own coffee for a fraction of the price.

[@cjhoward409]

@@bettyroberts4156 I have a couple of insulated “to go” coffee mugs that I take with me everywhere

[@curiouscat3384]

Yup. Just do the math $10 x 30 = $300 per freakin' month on coffee you can make at home for $1 per day.

[@RodneyFx]

Not get Uber eats , Deliver Uber eats” 😂😂😂

[@richardw3470]

When I heard 'do Uber eats for, like, four months' - what?!!!

[@Randomkitten7]

@@richardw3470 Exactllyyyy

[@Secratita]

This humbled me. I am about to sign up for a 24 hour client service job. Because I am done . I can do it in weekend and evening. I dont care anymore. All I care about is running from this beast. I am debt free in 2025.

[@SRD1281]

"Don't talk to me about style, you're broke people" -Dave Ramsey

[@jray9661]

Thought of my alma mater when I heard that line

[@AIRWOLF.SNIPER]

😂

[@lukejones9002]

I love how Dave is on your side. He can hear how someone is just overwhelmed, gives them a kick up the butt then gives the pep talk.

[@Fun4GA]

You've got to love how Dave cuts to the chase and gives order to the chaos. God bless him for helping so many people from themselves.

[@1stdraft611]

I was a drinker until age 35 and went into debt twice. I'm down from 31k to 13.5k getting my welding experience at the same time.

[@Gemini24247]

I don't know you brother, but you can do this and I wish you the best. Congrats for taking control of you life.

[@bigpicturethinking5620]

That’s great. Welding should serve you well, lots of demand if you acquire those certifications and move on up.

[@1stdraft611]

@@cesardejeronimo8184 I've seen it before. I did about 10 years of clubbing. Unfortunately I was approached more often by wives.

[@godsdozer]

good job dude

[@roadrunner9622]

Awesome. Congrats.

[@Tandymandan]

Whenever i feel down about myself, I come and watch these videos.

[@keith-kb1zl]

this is a lot cheaper and more entertaining than going to a therapist 😂😂😂 everytime I hear one of these financial train wreck stories I feel much better about myself

[@JesusIsLord7773]

Me too!! 🙏🏼

[@Kim-bv3xn]

exactly.. keep me on my toes to budget and plan 😮

[@BrianaBudgets]

The people that call in with no preparation on what they’re going to say blow my mind. Also people who make over 100k per year and can’t pay their bills. $222 and a blown tire overdrafted his account? Something isn’t adding up.

[@TheSoulCrisis]

Their math isn’t adding up. 😂

[@oneeyedman99]

Being broke on 100K a year isn't that unusual or unreasonable here in the Bay Area, or other expensive urban coastal areas. Wichita, though, is a different story.

[@nadiar.7788]

@@TheSoulCrisis The math ain't mathin'.

[@TheSoulCrisis]

@@nadiar.7788

[@thekaerichtexas]

Yep probably eating out and shopping, gyms, subscriptions.....

[@amandakelly8793]

Cole- hang in there!! This process works. Tell your money where to go so you know where it went. YOU CAN DO THIS!!

[@Omikoshi78]

I like Ramsey’s quiet “ummkay” as he channels his curmudgeon energy into his metaphorical whip.😂

[@BengalTiger47]

He was waiting for the $60k car loan or $300k student loan to drop, seemed like he was disappointed it didn’t 😂

[@pkope6849]

🤣 Awesome !!

[@rickwalker5203]

“Live within your means” best advice ever. I was in their place once. Now I’m not.

[@TheRealDeadhorse]

Drugs? Booze? Eating out every night of the week? Blowing money on big quantities of nothing? All of the above?

[@triciadilligaf1933]

I have found young people who are bad with money love the convenience of ordering Uber eats.

[@jjimenez2855]

It’s always hilarious to me how Dave says “ No I’m not making fun at you,” then laughs hysterically 😬😂

[@millsykooksy4863]

😂😂😂

[@USMC6976]

He's relieving stress. Some of these callers really get to him.

[@heyjosh7224]

Love when Dave gets fired up about helping people. You could hear the hopelessness in this guy’s voice. Truly just about getting organized and getting out of his own way.

[@AncientMarinerNY]

Hosts: 4:15 What put you in this mess? Are you spending a ton? Cole: No, No Me: I almost choked on my rice and beans while on baby step one

[@dorahmulinge3800]

😂😂

[@KateDerepas]

😂😂😂 hahahah

[@ethandowler4669]

You can do it Cole! Sacrifice in the short term to win in the long term 💪

[@justnovie13]

50% of people making 100k or more live Paycheck to paycheck and can’t afford a $1000 emergency. This show proves this statistic everyday. So happy I found Dave learned how to budget and became debt free 😊

[@drn13355]

Where did you get that statistic?

[@alicelaybourne1620]

I’d like to see your source on that number. Unless you are in NYC or LA, I call BS on that.

[@monicastricker3582]

Proof that no wage is enough if you can't budget. People treat the word budget like diet. That's some "those" people "have" to do.

[@fullmetalalkami6466]

She just made it up obviously ​@@drn13355

[@djpuplex]

I love when people call and Ramble and just watching Dave boil.

[@eveexpertguides995]

"If I gave you 10,000 dollars to look at these people's budget and come up with a plan on how to fix it. You would have it done in an hour and half." Really insightful way to look at it!

[@trebmaster]

This man was about to only eat delivery food every night if Dave didn't step in to correct the misunderstanding.

[@nadiar.7788]

🤣🤣🤣

[@kevinm.8682]

After years of living on a budget, knowing what I owe,when its due, what i have coming in and when, I cannot imagine living any other way.

[@joycemckenzie5723]

I agree 100% I wouldnt know how to start the next month!! I could not live in such a choatic state ?????!!!!

[@ykciR]

People really need to at least have a budget plan before calling. You’re having money problems because you have no idea where your money is going to. It’s really not that hard.

[@johannesswillery7855]

Yeah he didn't even know how much money they make.

[@whitegoodman7465]

@@johannesswillery7855 He clearly did.

[@sblijheid]

That's most people even those with degrees. That's why I'm against student loan forgiveness. They make enough to pay off their debt, but they're such disorganized, impulse spenders, that they end up in the hole.

[@kufufinmufinable]

I feel like such a fully functional adult listening to this show

[@jroberts7387]

Same

[@lingra1438]

Me...2

[@mohammedabdihakimhassan672]

Great advise

[@nchen09]

Same. Whew. Lol

[@lexalee5795]

😂😂😂 Yeeesss it’s insane!

[@emmawainwright5527]

I love it when Rachel cracks up.

[@Jake-tn7md]

I enjoy how blunt Dave is, well done....

[@benjaminhough8804]

These sorts of calls are always a little frustrating. I want to know where they are spending money. They call in completely clueless about how to make their basic needs, but make $110k? I mean, how does someone with that income overdraft on $220?

[@Lon1001]

They overdraft because they don't have enough funds in whatever account is being debited from. Has nothing to do with income. $110k is enough to get by on but it's not a huge amount, especially with the rising cost of literally everything.

[@Mr_D555]

@@silentnot4812 You nailed it, he has no clue where his money is going or how much he has.

[@sciencetypeperson2401]

​@@silentnot4812🎯🎯🎯

[@shachede6828]

@@Lon1001 even if inflation was 10% it still doesn’t make sense. He is hiding something

[@iamkesha.]

@@Lon1001 It have to do with financial management. I make half of his household income, and my monthly bills with is a mortgage and car note is only 25% of my income. When I was married and monthly income was doubled this family, we live paycheck to paycheck. He was financially irresponsible but will admit, the best thing I got from him was an excel budget that I still use today.

[@LakeAllfredLuigi]

Dave cutting to the chase. And giving the man what he needs to hear.

[@JohnSmith-ps7hf]

I make around 130K after tax. I spend only 30k and save 100k yearly for my early retirement. As a single male, I don't need a big house and a 60K car. 30K is more than enough for me.

[@ONLY1KUDWE]

Dave's face at 3:12 is hilarious 😂

[@visciousadventures]

Dave's face is hilarious throughout most of this lol

[@tmusa2002]

I can relate to this. They are working and have a young child. New parents. It gets overwhelming. They caught it early enough and will start to feel better soon! ❤

[@keithrickson8522]

They have a TON of money just disappearing somewhere. That's like 10k a month in take home and like 3k in bills.

[@Lon1001]

it's about $7k in take home.

[@danclapper626]

Keith your math is a bit off bro.

[@Tunechi65]

​@@Lon1001 not even that. ~ 6k lol. I make the same

[@aeromedical6750]

@MrBean - totally agree. My wife and I jointly make right at $175K a year and take home $8500 monthly. People seem to forget about all the deductions as you itemized. Now I’m not complaining. Our take home is very good money for the area of the country we live in.

[@Bob-yh7ir]

They need to get their act together. Do a budget for gods sake. Control the money.They are bringing home 5K or more a month after taxes and all. You can't live on that in the location they are in? Come on.

[@donwayne1357]

Don't bend it, it takes a left-handed twisty to work properly.

[@hammanta]

They are bringing home at least 7k. And their mortgage is nothing. Something strange is going on here

[@donwayne1357]

@@hammanta For me and my buddy Hunter, I mean 'Gunther' it was hookers, coke and sweet, sweet whiskey.

[@iamkesha.]

@@hammanta I was going to say the same thing. They are brining in much more than $5k a month. A major problem is people are living outside their means. $100+k is not poverty level income.

[@Tunechi65]

​@@iamkesha. around 5k sounds right. I make 112k and bring home close to 6k a month after 401k and others

[@roadrunner9622]

I love Rachel's expressions starting at 5:21 . Adorable.

[@SchoolOfAlchemy]

Caller: It will hurt my credit if I don't pay my credit card Dave: You don't need credit, you are not really good with it 😂

[@bryannorris3976]

There is something he isn’t telling Dave

[@donnie678900]

Rachel was holding back that laugh in the beginning 😂

[@RollinMcCoalerson-eh7fn]

Actually she was fanning a fart to smell it. They had lettice wraps that day in the cafeteria

[@rayvar4526]

lol deliver uber eats.. dont order.. cracked me up!

[@cocoabeachcbbc1458]

Situations like this I wonder how much is spent on alcohol. People never seem to count that

[@skibum6422]

This reminds me of my life when I was married 17 years ago. Finances killed our marriage. I found Ramsey and she's still just like this. I'm now in bs7 and an EDM and she's still over drafting her accounts. I'm happy and she's miserable, this plan works.

[@kingberry100]

Unfortunately , most women are bad with money. It's sounds bad but it's true since they are more emotional

[@seagirl1100]

These segments are so valuable and encouraging! Thanks

[@chuckiedavidson719]

Honestly if they ate at home they could probably be out of debt soon. I guarantee they never eat at home. Wanna know how i know?? That’s my problem lol 😂

[@ellencox8415]

Yep. This is where most horrible money habits start... laziness mixed with lack of planning.

[@Tunechi65]

Mine is vacation😂

[@sblijheid]

Have you started cooking at home already?

[@hastycontemplation]

Restaurant food is not what it used to be. It's much better to make homemade.

[@chuckiedavidson719]

@@hastycontemplation much better

[@Lil-Whiskies]

If he doesn't know where the money is going it's probably being frittered away on useless little things they don't need, eating out, buying coffee at cafes, buying lots of toys and clothes, shopping for junk for the house etc. They need to start tracking all that.

[@azucena7castro]

Dang Dave yelled at me with this one. Next month will take a 180 for sure

[@n1k01k0]

Don’t be like the people who say, next week I will start working out. Start now.

[@markpolice3585]

This show makes me feel like a financial genius.

[@brittanylong280]

I think the problem is that these people are just spending day to day without paying attention. I know when I’m not every day, looking at my budget/spending, what bills I have coming before I get paid next, etc., it makes it so easy to get out of control.

[@PrincessLolly1]

Never understood people spending more than they bring in or have saved for a specific purchase. Growing up with nothing and the example of a mom who worked hard and her luxury was sci-fi paperbacks from the grocery store (about $1.50 in the ‘70s) once or twice a month keeps me humble in my spending. My husband doesn’t care for video games or motor toys or tech toys or drinking and smoking, and neither do I. We enjoy time with each other and our kids watching movies, playing cards and board games or getting outside - we rarely travel. After frugally raising our 3 kids, we should retire with $1 million in pretax retirement funds and $1 million in post-tax (ROTH and brokerage) accounts.

[@jimmymcgill6778]

Still never said where all that money is going to.

[@robertjetski8736]

Yep. Dave did not dig deep enough this time to the to the bottom of the problem

[@Tank-vi2dv]

And?

[@Sheryl777]

Jimmy McGill that was the problem...the guy didn't know where all the money is going to, because he and his wife don't have a budget.

[@Sheryl777]

@@robertjetski8736 Apparently (at least from the video I just watched) they surmised that the problem was that the couple don't have a budget, and are very chaotic in their spending.

[@alinatamashevich3354]

@@Sheryl777 The guy is NOT in control!

[@Ja50nkAt]

What!!? $1050 mortgage! That's insanely cheap. Average American just can't make a budget. We need mandatory financial education in high school before kicking them out into the real world, bc the real world will eat you alive if you're not on top of your stuff.

[@lanaj1107]

But graduates know the difference between magma and lava which helps a lot during volcano season. 😂😅

[@Ja50nkAt]

@@lanaj1107 And cloud names to know when rain is coming, lenticular aaaaand... Fluffy🤣🤣

[@3roachkidsdhe]

Right!!

[@joycewright5386]

I’ve been living on a budget since high school and it was all self taught. It’s not rocket science to add up your bills and subtract from what you make. Then spend accordingly.

[@ibealion1]

It's a mindset as much as it is an education. The mindset comes from the parents and the friends.

[@dougf9900]

I make similar money, and with $900 in car payments and $2200 in mortgage payments plus all the regular bills, I put over $1k in savings every month. These people must be spending like crazy people on everything they could possible buy.

[@grantv2313]

I’m guessing he’s spending his 60k and she’s spending all of her 52k and that’s life.

[@KatieBellino]

@@grantv2313 Yes, I'd be willing to bet they each pick up a ton of lunches and coffees on the go along with eating out at least a few times a week. That could quickly become a couple grand a month.

[@ErichH68]

$900 car payment??! The most I ever paid was $168 a month for a car payment.

[@dougf9900]

@@ErichH68 what year was that in? $168/month is only financing about $8000.

[@ErichH68]

@@dougf9900 2010

[@azteca6695]

Rachel expression... "No he didn't" 😮

[@rbraxton00]

Hahaha you’re the problem, you’re the problem! Lol 😂 did he say this is awesome? I guess some people just need Dave to yell them into shape. I get it. You can definitely do it. Good luck sir.

[@jimmymcgill6778]

I don't understand how people are making 100k, and they are broke, and living paycheck to paycheck.

[@ElevatedAgenda]

People are insanely irresponsible and spend too much. Someone out there is saying that about people who make 30k.

[@dmbgator86]

You think 100k household income is a lot? That’s below average.

[@ainlLeek]

@@dmbgator86 Wrong. 2022 average US household income was $87k.

[@woodysrockspyro6436]

With essentially bills under 2k... crazy

[@finesupplements9698]

People in third world countries are saying: “How could someone who makes $15 an hour possibly be broke?? I make $15 per month!”. Truth is, broke is a mindset/spending habit. NOT a paycheck/bank account balance.

[@justanothermaid]

I'm sorry to say that I discovered a lot of other adults are still financially illiterate or purposely refuse to actually know where the money is going by writing it down. By the time they grow up and wake up they are 30 or even 40.

[@MN-br5nb]

He’s young but I believe he can totally do this and enjoy life without this mental burden, that’s got to be the worst! I hope he knows life is worth living but cutting back will make him feel good. All the best to this young couple.

[@fichterfactor]

I love when Dave said hypothetically that if he paid them $10,000 to develop a working budget and that they would have that done in an hour and a half. Motivation is relative. Be the adult. Budget. Develop a plan and execute. They clearly have the resources to punch through this.

[@lauradelucastroia4191]

I work with someone who spent $17 a day on 2 iced coffees and a pack of cigarettes. I figured that over a year, she spent $6500. She could have doubled her mortgage for what she was spending on throwaway items.

[@Flipper86]

I’m always amazed at the number of people that eat lunch out everyday rather than pack a lunch Maybe its because I was a teacher and had to bring lunch (or eat school lunch - ick!).

[@obie1coby]

I'm floored at how bad some people are with money.

[@mercyp7151]

I got a whopper of a story that tops them all.

[@hm8489]

At my son’s high school they teach Dave Ramsey and budgeting. It should be mandatory at schools. If you want kids to succeed and not be broke, you need to teach them. The reason they don’t teach this is because saving money doesn’t make good consumers. I found Dave Ramsey over 10 years ago with $125k student loans on my back. If I didn’t take things seriously, I would probably still be making payments. The plan works. You just have to behave yourself.

[@AnnaSzabo]

Incredible ❤❤❤❤

[@1tommyday]

I love listening to the Ramsey show. I can honestly say that I've never had issues with money. I worked, had decent money. I even got very ill and lost my job and had no income for 2 years and had to pay up to 85K for treatment and I could still do it with my reserve fund. Now I'm on disability and I have a decent part time job. I make the same amount that I did when I worked full time. I lived alone when I was younger and I always lived well, shopped, ate out, took trips. I really have never had to stress about money. Unlike my bf who never has enough money ever in the 10 years I've known him. I believe you get trained watching your parents and fortunately we had good parental role models with money.

[@JustinCase780]

Put on the song "Seven Nation Army" on full blast on your way to work every morning and get pumped up to kill the debt! Stop spending and start living!

[@Intuitiverye]

Love that song

[@PS-bs8oe]

I alwaysgave away baby and kidclothes of youngest child and got some in return for them. My clothes have dressed at least 14 kiddos!!! At school there always was a big clothesexchange and moms and dads did the same. It was awesome to revive memories seeing another little or big person wearing previously loved clothes. We even "reserved" clothes by asking someone wearing an item we loved to think about giving or exchanging it wit them if ever we were getting rid of it. And when at long last an item wasn't wearable anymore it got recycled into bunting and other schoolfeast decorations and arts and craft classroomactivities.

[@Aka2nv08]

I still struggle with finances but will continue to push forward with Ramsey mindset

[@bingboone9474]

Imagine thinking selling a car with $6000 left on it is going to fix your problem.... HAHAHAHA

[@mikeshaw4610]

You can do this. Just forget what others think and follow the steps.

[@CRobJones]

It's for sure something missing here with his story about their finances

[@robertjetski8736]

I agree with you.

[@TxHoneyBee]

You ignored him saying *300 a week in childcare*

[@bigpicturethinking5620]

They likely shop a lot and eat out a lot. 80 bucks a day in food is 2400 a month.

[@TheFlyingZulu]

LOL 7:55 dangit I was drinking some water right as Dave said that and almost choked...

[@sovereignruler]

It's always about people misbehaving with money. They do it for a while until it comes home to roost. I understand that most of us operate under someone else's programming and philosophy when it comes to money. CHANGE! The future doesn't change by crossing your fingers; it gets better and changes by PLAN!

[@yarrdayarrdayarrda]

BTW if the wife isn't on board, this is all for naught.

[@infidelheretic923]

Christmas and a flat tire shouldn’t be enough to break the bank when you make $100 K a year. What’s going on here?

[@bettygrable6440]

Go to college so you can have $30k in debt so you can work full time making $52k so you can send $1200 a month to daycare. Women need to wake the heck up. We’ve been lied to.

[@donnafontaine2799]

Betty you made a good point...😊

[@Jane-rh7tc]

that's life, life require spending $$. can you guarantee she can still find a 52k job if she doesn't go to college? she won't need to spend 1200/mo if she has no kids, it's a choice that she makes, no one is making her do it.

[@snackman2005]

Welcome back Dave!!

[@brentsmelser]

When he said “freaking”, I was really thinking a different word was going to come out! 😂

[@jray9661]

“FAWKING”😃

[@Pettiger]

Love this one. 'Team Dad and Daughter' moment.

[@botticelli728]

One thing I thought I heard is that the hospital bill came directly out of the guy's bank account, which caused an overdraft; he probably needs to stop those automatic payments. He can probably pay online without it being an automatic payment.

[@fortyseventhronin]

Well, he started by saying he's going to sell a vehicle. That's an encouraging sign

[@garbageman1917]

I had a buddy that delivered pizza. At the end of the night he'd bring home pizza that people didn't pay for in the trunk of his car. He was so sick of eating pizza everyday that he started passing them out in the homeless community

[@jso19801980]

3:50 "half million, million dollar house" i wish you could see what that buys you here in sydney australia...probably a shack with no bathrooms

[@XennialGuy]

"The good news is, you're the problem, the bad news is you're the problem." The solution is, sell yourself and get rid of you, and eat ramen noodles.

[@getinthespace7715]

They must be shopping, drinking or eating out like crazy. They got $9k a month income and listed $3k a month in bills. Something doesn't add up. There is a online gambling addiction size hole in their finances somewhere.

[@kingberry100]

Drugs

[@getinthespace7715]

@kingberry100 , or if they are eating out almost every meal. Could easily spend $150/ day on that if they have no self-control.🤔 I wouldn't doubt if someone has a bad coke habbit, though.

[@AGM-ts5bb]

And buy only what you NEED - and second hand at that.

[@JC-xu1cz]

When someone has never learned how to handle money or was never taught how to handle money, someone who makes a lot of money can be in a mess. Over spending, not knowing where your money is going. It's helpful to remind yourself sometimes to stay on track.

[@fueledbymusic3]

One thing I hate is when people hide (or some cases, they don't see) what they're spending their money on

[@pandabear7177]

This is the video I needed to hear today.

[@cathy1679]

My sister is disorganized too . Makes 45,000 . But Amazon lives at her house . Buys small cuts of meat at 17.99 per pound but the small amount cubed cuts cost only 4.64 . Not understanding she can buy large and meal prep . The amount of money she spends on small items is costing her money . I have tried to explain but have stopped . An outsider has to help . As a sister she gives me the bulldog face and stomps away . She lives in the dollar store .

[@kevinarzola4781]

Question for people, why do so many people have trouble with hospital bills? They can’t even collect it from my experience. I have a kid and I never even paid their birth bill. She’s 5 now and they’ve never called me for it

[@MrLegendra]

Depends on the hospital network. Some will chase after you aggressively, others (mostly non-profits) will sell the debt to a collection agency but will chose to not report to credit bureau so it would never show up. However, It is in your best interest to pay your medical bills. Stealing services from hospitals is not cool.

[@yarrdayarrdayarrda]

I think this caller is the norm rather than the rarity.

[@flotaylor8170]

Years ago, my husband was spending like $500 more a month than we had budgeted for him to spend. When we looked at his credit card, he was spending $2 here, and $2 there, on things like coffee and snacks. He started bringing keurig pods to work and snacks and he cut all that down. It’s crazy how quickly it adds up and when you see it, it’s shocking; like death by a thousand cuts.

[@paulbeard7491]

Looking at Dave and the expression on his face when the caller said they make over 110k a year and he has about 11k in auto loans was funny. The wife buys Starbucks before and after work and ubereats for lunch and dinner. When I was typing ubereats the cohost said about doing ubereats. Then Dave chimes in about not getting ubereats delivering it. People don't realize how eating out all the time adds up. Dave knows what the problem is. Not cooking at home.

[@jenniferharris4085]

Ever wonder why they made it so easy to spend your way into debt only struggle twice as hard to get out?

[@mrdadar2594]

It sounds like he is not good with math and the wife is out having fun with the money. Don't know who Is fooling who!

[@meganfitzpatrick1019]

I still don't understand where their money is going...

[@williambeyer5095]

People just don't break it down, a lot of people pay more for Cable, internet, cell phones and other recurring subscriptions then they realize, and it kills their budget! because they don't have a budget.

[@xandercruz900]

Then you add all of the Amazon and DoorDash they use.

[@KatieBellino]

Yup. If they write it out, they'll likely find places that can be eliminated in order to put the budget back in green.

[@Dflonn]

Just because they don't owe much on the cars doesn't mean the notes aren't high.

[@KatieBellino]

True. They only have $10k left, but we don't know where it started. Still, I don't think it explains the amount of money that should be left in the budget.

[@ZombiePilot7]

My emergency keeps running out because of bad luck with terrible drivers. Been rear ended sitting at red lights 3 times since January. Insurance is good but high deductible are not. 😂

[@josephlantz6331]

Ah Wichita, KS, my beautiful hometown.

[@bigbanknewyork3655]

Birthplace of the great Barry Sanders.

[@robertjetski8736]

​@@bigbanknewyork3655 Barry who?

[@Youtubeiscool865]

“Turn off Amazon prime” lol 😂

[@icawn]

i was in a similar situation as these folks. no huge debts. nothing glaring. trying to be frugal and not doing a bad job...but oblivious to some small things that come through frequently, such as child choir t-shirts and field trip the parents "must" pay, $5/person for entry at their kids sports events and the gas to travel around, etc. these are all things we convince ourselves to be necessities, when our great grandparents would say hell no they're not. that is one thing you need to remind yourself of. another thing i didn't connect early is on is that my 401k contribution needs to stop, roth/ira contribution needs to stop, and kids college fund contributions need to stop. NO RETIREMENT CONTRIBUTIONS until the other crap gets paid. this just didn't click with me right away. so this would probably free up $1-$2k/mo of their $115k/yr before tax household income, to redirect to debts. do it and automate it so that it comes out of your paycheck immediately, just as retirement contributions would, so you can't screw it up.

[@marcustulliuscicero9140]

Retirement contributions are the last thing that should go, you lose money on employer matching if you don't pay them. That's like taking out a loan at a massive interest rate

[@kindredkey]

Getting organized will definitely help them clean this all up in like 12-18 months

[@ct5850]

Dave I can't pay my bills. We make over 100k per year but we have a medical bill. How much is the medical bill? $200. 😂

[@GoogleAccount00]

😂😂😂