“You People Are Broke!”

[@mattmelis762]

I guess this is my debt-free scream. 45k in student loans. Wrote the final check today as a birthday gift to myself. Paid off in 18 months. Income ranged from nothing to 75k in that time. Overcame illness and a complete life overhaul. I'mmmmm debt freeeeeeee!

[@cristellekambala4172]

🎉🎉🎉 Congratulations!

[@singerjo5791]

Yay! You go!🎈🎈🎈

[@TLA123y6f]

I applaud you. So am I. It's a great feeling.

[@Raphanne]

Super happy for you! Enjoy the victory!

[@MANDEE7962]

Congrats

[@phillipsouthard8285]

My wife and I are 28 and two months away from being out a 130k debt hole. The feeling is INCREDIBLE. I hope this man figures it out.

[@joycewright5386]

Congratulations!

[@USMC6976]

Keep working your plan. Good job.

[@Trandonius]

Congratulations

[@frankvonfrauner]

One more month

[@phillipsouthard8285]

@@frankvonfrauner yes sir!

[@ReceptiveKing93]

“You guys been spending like you’re in congress” 🤣🤣 it kills me every time he says that 😂

[@linuxsurfer2002]

"You don't walk around with a flask in your back pocket if you're trying to quit drinking." This caller needs to listen up.

[@TonyCox1351]

This is why Dave is Dave. No other host can put it quite like he does.

[@ReceptiveKing93]

🤣🤣

[@Charlieboo84]

I love it that he doesn't coddle nobody he gives tough love I see a lot hasn't experienced it

[@myfindependencejourney]

“You never met a debt you didn’t like” 😂

[@masterchief5437]

No matter how you cut it you won't like any type of debt

[@KnowledgeIsComfort]

@@masterchief5437yet he couldn’t say no to any of them

[@ronp-eb9bh]

Ramsey Solutions has to put all of their coinable quotes on T-Shirts and sell them. I would wear a shirt like that all day 😆

[@aeromedical6776]

Yup. Today’s mentality - “If I can make the payment, I can afford it!” They will finance anything some fool lender will extend them credit for. My wife and I gross just over $180K annually. Our only debt is a very manageable mortgage that we are plugging away at with purpose. We use cash only for our purchases. If we can’t pay cash - we don’t buy it. This couple is way too wrapped up in presenting an image of wealth while struggling to keep their head above water.

[@LadyVA0422]

😂😂😂

[@PInk77W1]

I make $48k No debt at all. House paid off. No car. No credit card. No student loans. Life is so good

[@marioharris0680]

You ride the bus?

[@PInk77W1]

@@marioharris0680 sometimes. I have 6 very expensive bicycles

[@citygurrrl6387]

​@@marioharris0680 if they do, good for them! some people live in areas with good public transportation or are walkable

[@dwfinds3030]

single? because my life was like that prior to wife and kids :)

[@alluringbliss4165]

@@marioharris0680maybe in NY where you don’t need a car

[@annea6288]

Left the abusive ex husband 13 years ago. Had nothing, he took everything. Now, the only thing i have to pay is my house loan. And I drive a fancy Toyota which I paid cash for. And my 401K is well on its way to make me a millionaire. Leaving the violent ex husband made me financially more stable.

[@greenleafyman1028]

That's right. People should know no one needs husband/wife to be successful. In fact, you don't need it in your life.

[@lilaschwarz1236]

@@greenleafyman1028 That's the wrong conclusion to which you can only come with lots of trauma in your back. IN fact, having a good marriage and a good relationship to extended family makes you statistically more successful. Wish you well, don't die on that lonely hill.

[@pammy5260]

@@lilaschwarz1236well not everyone does have a good marriage because of one or both partners is fkd up. Sometimes its better if you part ways when the person your with cant or doesnt support you. Is everything all rosey in your world. Some ppl domt know what they are getting into until they are into it already and not as easy to get away from.

[@tommartin3045]

"The plan I'm going to give you does not have a middle ground." Priceless. I'm writing that down.

[@donnag7288]

My friends used to laugh at me. I buy used Honda for car. We eat lunch at ikea cafeteria for our wedding anniversaries while other people go on cruises. We do staycations when our friends go on three to four fancy vacations a year. I am now 67. Just retired due to minor health issues. Spouse is 62 will work till 65. Two houses paid for in about eight months. 1.2 million each. One is investment property. I don’t regret what I did. I feel at peace

[@TonyCox1351]

I get what you’re saying but Ikea on your anniversary is crazy lol

[@one3DoiNWoRk]

@@TonyCox1351 fr cook your own meal at home at that point

[@naimaismail4356]

@@TonyCox1351fr 😭😭😭

[@marshalltille7770]

Please don’t sell those kids. Joking. Get better champ.

[@davidlloyd1526]

@@TonyCox1351 I dunno... Ikea meatballs are great :)

[@ralphholten8815]

When I was in my 40s, I was that guy. But I have been debt free since. Sense 2019. Thanks Dave

[@LisaLisa-in4vw]

I always feel so much better about my life after watching these episodes!

[@USMC6976]

I keep thinking, "I thought I was having it bad", At my worst I never had that kind of debt without a mortgage included.

[@funbags6471]

100%

[@asavannah7439]

🤣

[@babydollkincaid4584]

@@LisaLisa-in4vw So do I😃😏❤️

[@vikos78]

That's the only reason why we are all here!

[@Ryan_DeWitt]

There are people making less than 40k a year with kids who are much better off than this person because they didn't try to pretend they are rich.

[@sitcomchristian6886]

We're one of those! I resemble that remark! 🤣Single income family of 5. Husband is a plumber. We left the city and bought our home in a rural area outright. God is good.

[@frawdulent]

100%. I’m a single 35 year old in California and make $65k/year net, but still able to save/invest over 50% of my money. How are people spending so much???

[@Riley_rolo]

​@frawdulent I use to invest almost all my money I lost my ass. Investing is legal gambling. Keep your money and buy cheap houses to rent.

[@elevate4eva]

@@frawdulentyou said it yourself, you’re single. When you have kids there are a lot more expenses

[@TheSupervillain316]

My sister is the faux rich type. Lost her house because she couldn't give up dinners and clothes shopping constantly

[@drjlrust]

He sounded so reluctant to change. He kept making excuses. I wonder if he would really be willing to eat beans and rice and go down to one car.

[@alanj9978]

Even if he is, I guarantee the wife isn't.

[@USMC6976]

@@alanj9978 And that is a problem.

[@Jenda-ld8dj]

Divorce is in their future.

[@aeromedical6776]

@@alanj9978- both parties have to be on the same sheet of music for this to work. Thankfully, when my wife and I decided to get rid of debt, we were both in favor of a “scorched earth” approach for 3 years. That was the best decision we ever made and we cleaned up the debt. It’s a freedom you can’t describe when a bank doesn’t own your check.

[@VinodhBallout6711]

People like this dude are what keep the American economy thriving 😂

[@stevenporter863]

Exactly. Where Dave think the stocks in his 'good growth mutual funds' get their growth from.

[@steviecoleman9260]

Truth!

[@wideglide1313]

People like this caused the 2008 collapse.

[@RaymondDawson-v2w]

Not thriving,just heavily leveraged to the hilt. He's not the only moron spending more than he makes being out of control .

[@RaymondDawson-v2w]

Actually the only ones thriving are the people he owes, especially the bank he took out a HELOC at. His idiot wife is half the problem so nobody cares how this idiots wife feels.

[@jacobwestfield3164]

“It’s the family car” Really got him going

[@merriem24]

😂

[@isaacgomez-everythingrevie6955]

Dave is the Dad most everyone in the USA needed and needs! Great advice and tough love that everyone needs to hear!

[@raymonddurkin]

Epic Dave quote "Everything is on the table; we're selling so much stuff that the kids think they're next."

[@macneoh7418]

Dave killed this call. The way he delivered the hard truths to this guy was a wake-up call. It's something I fear the resf of the Ramsey personalities won't be able to do when he's gone. Getting out of debt is more than just numbers and selling cars, its about changing your lifestyle.

[@vickieclark5931]

100% agree. We hear many calls with people making lots and lots of money and are still broke. So it's all about their lifestyle. I think the other ramsey personalities will be fine. I honestly think that John and Racheal may not be very tough on people because those 2 are pushovers. But I have heard Jade, George, & Ken get on to callers. So those 3 I do give credit to for having the balls to tell callers the truth while still having empathy for certain situations. But nobody will ever top Dave, I definitely agree with that.

[@turtleanton6539]

Indeed🎉🎉🎉

[@Charlieboo84]

You people are broke lol maaaan he like a second pops to me

[@danasmith8292]

So they took out a HELOC to pay off their credit card and then immediately started racking up the credit card again. And it doesn’t sound like he is even ready to change.

[@carpediem6431]

And the HELOC was on the last year. Unbelievable!

[@Nardaa-ox3be]

And within one year they racked up the same amount of debt.

[@akhi_zayd]

What’s a HELOC?

[@danasmith8292]

@@akhi_zayd home equity line of credit. They borrowed against their house equity.

[@carpediem6431]

@@akhi_zayd Shortened form of a Home Equity Line of Credit.

[@TXMama]

Wow you haven't found a debt you didn't like! 😅😅😅😅😅 That had me ☠️🤣

[@blackworldtraveler3711]

Yeah that was pretty good.

[@babydollkincaid4584]

@@TXMama 😂

[@vickieclark5931]

Yeah, I knew Dave would say something like that when this guy was listing out all of his debt because I was thinking the same thing. It's like this guy borrowed on everything from everywhere. Cars, student loans, credit cards, HELOC, etc.

[@sicklygazelle]

being in almost $30k debt for a KIA....yikes

[@mikebutkevich8805]

I know a guy that rolled 3 Kia’s on not 1 loan. They the newest one he took out a 200,000 mile warranty on tires. Lol😅

[@sluggingbread]

30K isn't much for cars these days. Also, KIAs aren't garbage.

[@Crashcourse3806-v2n]

I've had my Kia for 10 years and only put new tires, brakes and a battery in it. Plan on keeping it another 10. 41 mpg. It's been a great vehicle, but I only paid 19k for it and obviously, no car payment.

[@rgseven6557]

Are u from Singapore by any chance?

[@ryanlight1013]

Right?! I’d rather kill myself!

[@jasonvankessel74]

I can't imagine going $50k into debt for a Kia Sorento and a Nissan Altima😂

[@1SmokingLizard]

My ex went into $43K for a dodge caravan back in 2004😂. I called it the Caraviper😅

[@TonyCox1351]

A $50K kia sorrento is no different than any other $50K car. Leather seats, digital dash, bells and whistles. It’ll last 200K miles if you take care of it. I’m not saying it’s great or anything, but $50K is the standard price of most regular new car these days, whether it’s Kia or Toyota or whatever

[@jxg5448]

@@TonyCox1351 The 2006 Toyota Tundra that I paid $9000 for in 2021 will outlast any $50K new car.

[@King_TuTT]

this guy is clearly an idiot. KIA are junk

[@lifehappensfast_21]

​@@jxg5448great buy🎯👏

[@dohnjoe735]

LOVE this type of rant !!

[@Lumaga]

This video was classic Dave! We needed this.

[@Jack-Mehhoff25]

I don’t manage my money in the best way possible but watching those videos makes me feel so empowered and confident. Let’s be honest we all watch em for the same thing. That family are just being milked by debts

[@BanjoPixelSnack]

"Anything that is between me and freedom is the enemy!" Yesss! This is so galvanising. What I needed to hear today, thank you, Dave!

[@aeromedical6776]

That’s exactly how you have to treat debt. You have to hate it so bad that you’ll do whatever it takes to get it out of your life.

[@JasonBlaha66]

OMG this guy doesnt know it yet but hes in debt for life

[@jcstang8952]

That's true and it begs the question. Should we regulate more? Maybe loans shouldn't be be given unless there's some kind of ability to back the loan by the individual. Giving someone 80k for a degree with no promise of a job to match the debt, should be illegal.

[@Pepestock]

​@@jcstang8952Government regulation is never the answer. Personal responsibility is the answer.

[@MooMoo69556]

@@jcstang8952why? I make $ off these people and move off their interest they pay. Let him stay in debt

[@Jenda-ld8dj]

Great candidate for divorce also.

[@turtleanton6539]

Indeed🎉🎉🎉

[@kristinewberg7656]

I watch these so I can remind myself my husband and I are actually doing really good.

[@RedsRtrouble]

😂😂 same!!

[@tross549]

“Stupid is as stupid does”.. Forrest Gump

[@frequentlycynical642]

I let my ego take charge back in the 1980's, a sudden reduced income, and bingo, I couldn't pay my CC's or car...used for business...loan. It was a small bankruptcy as those things go. I swore never again. I had to go back to driving my ancient, un air conditioned van in southern CA for my work. I became very frugal, lived within my means from then on. Surprisingly, this had little impact on my, um, dating life. Some women don't care about the superficial, even in LA. No credit cards for years. When I finally got one about 12 years ago I mostly paid in full every month. Living within your means is a wonderful feeling.

[@alanb.5445]

Everyone wants to own things until those things own them. Smh...

[@siegfriedbraun5447]

The entitlement is BIG with this dude. He just had a bunch of stuff given to him, and his response was "okay". OKAY?! How crazy is that?

[@dwfinds3030]

When he ask does it scare him... ya. It doesn't he thinks just needs to move some crap around and work itself out. Ive heard scared people they know they need to do it

[@anthonys5568]

Agreed, maybe the caler was counting in Dave offering him a free car if the guy would sell his other cars.

[@SheLoveSports]

It's an overwhelming situation and maybe he was just trying to process it all.

[@siegfriedbraun5447]

@@SheLoveSports maybe... But probably he's just ungrateful. Thankful people have a built-in response to generosity and gifts.

[@Freespeech2]

💯 he’s obese.

[@Uchihawallstreet]

I’m 5k in credit card debt, paying 18% interest rate and I’m going insane. I’m paying it off next months but I would never do something like that again. 😅

[@PrimalDialga]

Been there my guy. Last year I had 2,300 at 29% interest and it's down to $100 now. Interest like that should be criminal

[@MrTwonetwone]

@@PrimalDialga something that’s your choice should be criminal?

[@vickieclark5931]

@@MrTwonetwone I agree that we should not be using credit cards in the 1st place if we don't have the money in the account to pay for them. But 29% interest is moving up to those payday loan places.

[@rgseven6557]

Hey man, I also had 5k in cc debt. To make it worse, I lost my job and my debt snowballed. I paid it off with a lot of difficult. I swear not to use credit cards again.

[@franciscopartida2737]

I've been there. Get another credit card with ZERO PERCENT interest (usually for a year) and do a balance transfer. Then cranck out that debt before the year ends. Make all your payments count!

[@gloriascott6491]

I saw a credit consolidation add in which some guy said "they got me out of debt, I booked a trip to Puerto Rico." Probably used a credit card to get back into debt.

[@Canada-life-nature]

He is not ready I don’t hear him fired up 🔥 He is thinking they are the victim . Good luck 🤞

[@MYMEXICANKITCHEN1]

OMG! And I thought I was in debt having a $2,500 CC🤦‍♀️ now is full and seating there just for an emergency, I owe like $97 dollars and the bank keep sending me letters giving advices/tips on how to spend “my money”🤣🤣🤣🤦‍♀️My husband and I are really on the path to buy our own home🙏 Thanks to this channel, seriously, he started and I support him 101% We don’t know how long is gonna take us but we’ll get there some day🙏We live in a duplex and between other things/changes we pay a cheap rent and that helps a lot🙏PLUS WE’RE NOT INTO BRANDS, WE LIVE SIMPLE & WE’VE NEVER LIVED TO IMPRESS ANYONE. THAT’S NOT WORTH IT AT ALL! NO MATTER WHAT THEY THINK/SAY, REPEAT: ‼️‼️‼️LIVING YOUR LIFE TO IMPRESS OTHERS IS NOT WORTH IT AT ALL‼️‼️‼️

[@Nonsense116]

They did this with kids in the house and arent fixing it??? That's wild... Imagine dragging your kids into a situation like that. Horrible.

[@pmichos1]

I’m 57 and never paid credit card interest. My only debt is my home. I’ve taught my kids there there are needs and wants, and you never go into debts for wants only needs.

[@ojg386]

Listen to Dave and it can be done. We are debt free and just giving generously. Ask God for wisdom and He will show thru His WORD.

[@untouchable360x]

If someone were to write a check and pay it off now, they will be in the same spot 1-2 years later. You can't fix stupid.

[@victorblock3421]

happens all the time. I watched a story about a lottery winner. He approached 2 friends, said he'd pay off all their credit card debts. He wiped it all clean. Each one came to him at a later time to pay off equal amounts of debt they yet again accumulated. He said NO. They are no longer talking to him.

[@lifehappensfast_21]

​@zvmZvm0102very well said.

[@annea6288]

​@@victorblock3421😮😮😮

[@victorblock3421]

@@annea6288 yep. My best friend since we're 7 years old, he got into trouble at 17 with a reckless driving charge. His parents wouldn't help him pay the fine. He called me to help. I broke open my piggy bank, gave him everything I had, about $200. Never heard from him again. My dad said "if you want an enemy, help that person."

[@KatrinaLeFrancois]

Debt free is the best thing

[@UsernameUnkwn21]

Clearly😅😅😅

[@Treerootz1]

Nope, debt is the way to go

[@Yogastrong908]

No, wealth is the best thing

[@SRD1281]

​@@Yogastrong908This. Debt free is one thing. And it's a huge part of the money game. But building wealth is king.

[@michaellawrence3345]

Amen to that

[@cellis921]

This call made my stomach hurt.

[@lizguz2771]

That line…”the math is not scary…it’s the pattern”… so much hope there 😢. We can CHANGE patterns. Good luck, Caller. I’m in a similar situation. Our numbers are pretty similar. I’m rooting for both of us. Thanks Dave.

[@Easy-Eight]

Honestly, I paid my way though college with minimal debt and after paying for rent, car insurance, books, and tuition for the winter semester I was reduced down to eating peanut butter sandwiches, drinking instant coffee, and ramen noodles for a month. Best financial lesson I ever took in college.

[@robertthompson5908]

Welcome to Dave Ramsey. It’s jarring when you first hear it. It’s not simply advice it’s a completely new way of thinking about your personal finance. Once you “see it” you will be shocked that you allowed this to happen. But you will also realize that you have control in your life and you will be able to get out of it. When you emerge you will have a new life.

[@mbm8690]

Some callers are just tired of the treadmill. They need a break. Often people think "let's escape all this, go on a weekend-trip, go on vacation". But it won't work, if right afterwards they're back on the same treadmill again. Getting out of debts means working double as hard. That's what keeps people from changing bad habits - they feel they were already working very hard and they are tired of it.

[@flygirl2447]

“It’s the family car” They immediately try to justify when they’re not ready to change. They’re one foot in, one foot out. The pain of being in debt needs to be worse than the pain of getting out of debt will be. It’s not painful enough yet.

[@bonniehalf-elven]

I have a low income friend who bought a Pontiac Vibe (which is a Toyota inside) for $1000 cash. She loves it!

[@KathleenMcNe]

A financially toxic couple.

[@TheJoeshExperience]

Love when dave pulls out his classic lines

[@TxLoneStar817]

When Dave said “Good lord” that shii had me screaming 😂😂😂😅

[@Coreyj06]

I wld love to see a update on calls like this

[@LivinglandNZ]

Watching these videos makes me feel really scared for these people. I'm not super rich but I owe nothing to anyone. How do these people get into this situation ?

[@mr_skerz]

Debt free scream-$40k in student loans paid in full back in March, I turned 25 in May. I feel so great to have that weight off of my shoulders. Now, all the payments I would make every week to the student loan company, goes into index funds!

[@Nardaa-ox3be]

Congrats!

[@mr_skerz]

@@Nardaa-ox3be thank you!🙏🏻 God is good!

[@meilong2338]

Never live above your means, it’s as simple as that

[@Astro95Media]

I love how Jade rattles off her paid-off debt number without having to think about it. It really does stick with you because it's a reminder of where you were and how far you've come to get out from under it, as well as motivation to never go back. Mine was $105,000. Paid it off in 34 months as a single dad with custody.

[@mariorta5017]

Big hat, no cattle.

[@SteezyVon]

I like to tune in just to let myself know it could be worse, I hope I never have to make the call to papa Dave 😅

[@lonestarrk9308]

If he says “unfortunately” ONE MORE TIME!!!

[@MaxAndDaisy0825]

I have 6k of credit card /medical debt And It keeps me up at night sometimes I can just imagine almost 300k of debt I wouldn't be able to breath. 😵‍💫

[@jh1328]

Going into debt for a Kia and an Altima is preposterous.

[@BecomingGrace]

Dave is so generous with his free help to this guy and he still hesitates when asked if he will promise to change. 🤯

[@bigcahuna42366]

I love how Dave is kind and speaks calmly in the beginning and then goes nuclear at the end

[@joepic85]

This one is really bad.. what a terrible situation

[@MrNiceGuy500]

My sister in law is a little delusional. She thinks she is a millionaire because she is a million dollars in debt. She has 3 HELOCs.

[@gungagalunga9040]

Non American here. What's a HELOC

[@Al_Sayid_Sanad]

@@gungagalunga9040home equity line of credit meaning you take out a loan on your house as collateral

[@fionasmom6254]

@@gungagalunga9040 Home Equity Line of Credit

[@tmdrtn]

Home equity line of credit, basically a personal loan to remorgadge the equity on the house

[@MrNiceGuy500]

Home equity line of credit. If your house has increased in value you can take a loan out in that value increase but if you mess up I think they take your house

[@ObiJuanTX]

Before you buy a house, make sure you have no student loan debt and no car loan debt. Keep your expenses low and live within your means. I drove a 1999 Toyota Tacoma and it lasted me 233,000 miles before engine overheated

[@philipmeyer8801]

Impressing people ISNT WORTH IT PEOPLE!!!!!!

[@ysesq]

youre not impressing anyone wih a kia or nissan.

[@philipmeyer8801]

@ysesq if it's a 2023 or '24, you are !!👍

[@chookchack]

47k in credit cards is 1k of monthly interest alone. Impressing people who doesn’t really care about you will put you in this place.

[@kevind8752]

It was approx double that. They paid off credit cards with a HELOC.

[@UncleDavesKitchen]

@@kevind8752 yipes. traded one debt for another, though less interest

[@BigRed2]

No it’s not $1k internet a month 😂😂😂 Back to math class for you 😂

[@memphistiger4647]

Yeah that sounded like a bit much😄​@BigRed2

[@linuxsurfer2002]

@@BigRed2 It's pretty close - if the interest rate is 20%, that's $9400 / year or $783 / month.

[@davidmilhouscarter8198]

Forty-six thousand dollars in car debt and they’re not even nice cars!

[@kevinb8881]

S240K debt in St. Louis, MO??? Now I've seen it all!!!

[@aaronlambert9297]

Love the sound of "ugh" she made once he said "Kia Sorento".

[@dariuss.3500]

Lol😂😂 value plummeted lol

[@teachercaron]

Kia is a more reliable car brand than it used to be - my paid-for 2011 Sorento is still going strong 😊

[@merriem24]

@@teachercaronyou must not live in Chicago. These people can steal a kia like it’s a big wheel.

[@bobsacamano7653]

Best of Luck to this guy! I hope to hear good news in a year or two from this guy.

[@thejohnnycway2b]

This guy ain't ready to change

[@mikenelson8377]

I hate to doubt people but I agree. You can hear callers get emotional in their voice and say, “I WANT OUT!” This guy, however, acted like he’s already thinking about buying the new iPhone coming out in two months with borrowed money 😑

[@lexmax08]

There’s at least a jet ski if not a whole boat, a storage facility full of crap, and fancy steak dinners are weekly.

[@supermodelatlanta1354]

"sell everything until the kids think they are next" 😂😂😂😂😂😂😂😂😂 Ain't no way

[@PInk77W1]

My parents had 8 kids and 1 car. I’m 63 and have no car

[@fleurelise997]

Debt consolidation can make things worse if you haven't resolved what caused you to go into debt in the first place. You will believe that everything is okay now and that you've got more wiggle room for spending.

[@kalebbruwer]

"But only if you're willing to say 'I will do whatever it takes to win'" "...Ok" Yeah I'm not buying it

[@Tehui1974]

I hate having debt. I don't know how people can live like that.

[@joeplem5329]

Lol I am the exact opposite of this guy, my mentality is the more you spend the more you have to work and I am beyond done working full time even at 43 years old. No debt no kids working part-time 😂

[@rare2find0918]

That's amazing!

[@bjkarana]

The best decision I've ever made, aside from my spouse, is working hard over 20 years to build my wealth _before_ acting wealthy.

[@ihaveadreamformykids4400]

This is like having luxury brands bags but no cash. 😅

[@stevenporter863]

1:27 Cars again😂😂😂

[@ble22eda86]

When Dave said they'll be "...selling so much stuff that the kids will think they're next..." made me chuckle but I'm sure Dave means well and I hope this family gets their finances in order.

[@lindawilson4625]

I see so many callers where the train has left the station, crashed into a brick wall, then they call Dave for a miracle. This caller did everything wrong he possibly could before asking for help. I do understand that once you get so buried in debt you can no longer think straight, but geez! Time for a financial reality check. Not so sure he's really there yet. I don't hear that in his voice. Not yet. I hope he listens to Dave, but I don't think he (and his wife) will.

[@spatty2589]

I didn’t hear him say time share or car lease. So he still hasn’t done everything wrong.

[@Ryan_DeWitt]

It's like knowing you have cancer, not doing anything to treat it, letting it metastasize all over your body, then going to the doctor and asking for a cure.

[@MobyShamu]

I have $87 and just ordered doordash that cost $44. I have 6 credit cards maxed out for a total of $16k. I have a car payment of $655 and I am 2 months behind on my rent. I don't feel like I have any problems.

[@cindymann3673]

And this is why DR is against HELOCs. This is also a strong persuasion to not just consolidate debt, because it’s out of sight out of mind + a false sense of having actually accomplished something.

[@Nardaa-ox3be]

Converting unsecured debt into HELOC is tragic.

[@ProCoach2373]

He hung up and called a bankruptcy attorney. LOL

[@kuro.hitsuji]

"You're gonna sell so much stuff the kids will think they're next" That made me laugh lol

[@kevinerosa]

I just became debt free, and the thought of being in this situation will give me a panic attack.

[@JasonGroom]

This is Dave's bread and butter, overspends, irresponsible with credit, and a decent income. I don't agree with his one size fits all methods, but it fits this guy like a hand made suit

[@Constellasian]

Only thing I would use a HELOC on is to improve the property for rental purposes, and sure I can get forced equity out of the improvements to pay back the loan ASAP.

[@UncleDavesKitchen]

I'm debt free, paid off mortgage etc and still can't force myself to buy a nice $250 convection toaster oven.

[@danasmith8292]

I hear you. I wanted an air fryer/toaster oven so I did surveys until I had enough Amazon points to buy one lol

[@Ldj8000]

A $50 dollar one does the same exact thing

[@UncleDavesKitchen]

@@Ldj8000 no it doesn't

[@catherineskis]

This is what my husband did! OMG, I did not know that my former husband was living in St. Louis MO!

[@ChrisC-kv4bp]

All these callers seem to own Kia’s that are upside down.

[@GAFB1122]

Lol don't knock on Kia. I'm the proud original owner of a 2010 Kia Forte. It turns 14 years old next month. It has 190,000 miles on it and except for routine maintenance, tires, brakes, etc. it is still running strong. All I can go of off is my experience, and I'd recommend Kia to anyone.

[@kevind8752]

We have a 2016 Sorento that’s been paid off for 3 years. Only reason people are upside down on car loans is because they rolled a prior car loan balance when they traded it in.

[@Ryan_DeWitt]

I have a 8 year old Kia soul that I paid off years ago thanks to Dave.

[@geezy4000]

50k on a Nissan and Kia. Huh?

[@ScottishTerrorsInLA]

Car prices are crazy after pandemic. He said 2021 Kia so no doubt he paid market adjustments on top of MSRP

[@TheGhost2612000]

I don't understand why people are shocked by that. Vehicle prices went up big time during corona. $25k a vehicle isn't terrible. You figure they probably paid $28k to $30k brand new for each one. I don't see the big fuss about the price. It is the world we live in. Either you can afford it or you can't. His CC and HELOC debt is more of a concern.

[@KathleenMcNe]

People like these must have been reared in a household where they didn’t have to deal with the consequences of their actions, where daddy and mommy bailed them out of the messes they created.

[@KathleenMcNe]

@@silentnot4812 It has been my observation/experience that people who were reared with little money in the house tend not to waste money because of the fear of running out of it. I have an 8-figure net worth and I still think about money all vanishing. Crazy, I know, but that feeling never leaves one.

[@deanc2000]

Great video! Emotional and inspirational. Love it!

[@DEBTFREEMIKE769]

You either control the system or the system controls you

[@mdaniels6311]

Dave is on fire here.

[@Fernandosasx]

I am forever grateful to Mr. David , he has completely changed my life and I will continue to preach in his name until everyone hears that you saved me from a huge financial debt with a small investment, thank you Mr. David

[@Hdk-l2x]

Crypto is bringing a different revolution in the world economy, people who are optimistic investors earn consistently, others will just sit and watch!.

[@Asabbbeswjsjdkd]

Making touch with financial advisors like *David Wilson Clark* who can assist you restructure your portfolio, would be a very creative option. Personal financial management will be crucial to navigating the next difficult times.

[@Fernandosasx]

Investing a in crypto/forex is a good idea, a good trading system would put you through many days of success.

[@AnnabellaTaylor-d6t]

Lately i got interested in crypto but has no idea how to go about it. Can anyone Help with a reliable tra-der?

[@BukyPounds]

been a single mum hope investing In Bitcoin will help solve my financial problems?

[@ddubsr5886]

Dave Ramsey is the man