You're Not Emotionally Ready To Pay Off Debt!

[@TheRamseyShow]

Nix the guesswork and scrolling. We’ll connect you with investment pros we trust: bit.ly/3hc6Pgt

[@PiXimperfect]

Quote of the day, very profound, "everything's a 100% off when you don't buy it." Even Dave was impressed!

[@sandyshorewalker5364]

I like your comment, "everything is 100% off when you don't buy it."

[@666dynomax]

Lol nice

[@michaelb.8953]

Many years ago my wife and I walked into a Walmart to grab a few food items and they had a rack of shirts at the door with a big sign that said, CLEARANCE 25% off!! She then detoured towards that rack of shirts and started browsing through them. I said, "what are you doing?" Her response was, "I'm looking at the shirts they are 25% off" I said, "do you need a shirt?" Her response was, "no, but they are 25% off" I said, "well if you don't buy one then that's 100% off." When female shopper emotions take over it just kind of short circuits the brain from all logic, actually one could say that about many men also. I think we all have a tendency to buy things we don't need, but it fits an emotional need at the time. These marketers have it all figured out.

[@alyssabird720]

My husband and I paid off 10k this year, bought a car for 6k cash, and are $1k from being debt free making only $40k! :) its doable, you just have to be disciplined. We use cash envelopes.

[@EmeraldElements]

Yay! So awesome to hear!!

[@cenarules190]

Massive congratulations!

[@jeffb.4800]

Way to go keep up the good work

[@michaelb.8953]

Way to go!!! I support you so much in your endeavor that I gave you multiple kudos by up voting your comment and all the other comments to your comment. Here's to wishing you and your husband a very prosperous 2022 and just keep grinding away at it no matter what may come along your way to try to topple you.

[@razojacqueline]

That’s great. Keep it up!

[@trent797]

I don't really understand this mindset of buying things "on sale" if you don't need them. If I see a TV that is 50% off, I don't even think of buying it because my current TV is fine. I guess some people are just wired differently.

[@speeddemon0712]

I got a buddy in debt that always buys things on sale because "it was such a good deal, I couldn't pass it up". Well it might have been a good deal, but you got yourself into $12k in cc debt because you didn't need it and didn't pass it up.

[@dcamnc1]

Yep, my bro in law has several new in the box tv's stuffed in storage areas (just one example) because he got them "on sale". Their whole house is filled with unopened stuff that they got on sale.

[@20maxilo]

These are the people that marketers prey on

[@darrenruben4108]

Spot on Trent

[@shikha5246]

I don’t even own a tv but my laptop for my cat and I works perfectly fine

[@bohan9957]

"Everything is 100% off when you don't buy it"..... you nailed it! I say that to myself during every Black Friday and Cyber Monday.

[@daringlavan3615]

"You can go broke saving money" man I needed to hear that!

[@amythinks]

George is the first person I've seen come through these doors that could actually take the reigns from Dave. He's got great insight and charisma. The others just don't have it. They always seem to be thinking about how to answer the question like Dave and they miss a lot of the wisdom Dave brings to the conversation.

[@deemajor123]

I disagree 😊

[@theforeignerinamerica1817]

Saving $ is the same as losing weight. Noone can do it for you.. you have to commit and be disciplined. You can call who you want and watch all the videos you want, but the next steps are on you!

[@christopherrosas2738]

I couldn't agree more, you can watch all the videos you want, but if you don't take action, nothing is ever going to change.....

[@suen5006]

Nothing like losing weight at all. Have you lost weight and kept it off?

[@theforeignerinamerica1817]

@@suen5006 of course I did

[@tehtehHAWS]

@@suen5006 former fatty here, yes I did. Been down over 80 pounds for over a decade, committed myself to a lifetime of functional bodybuilding.

[@lovelyjo01]

Great analogy

[@unpopularopinion149]

Call after call after call the biggest issue is student loan debt and I’m so glad I never incurred any. That offsets most young people’s growth to financial wealth by minimum of 10 years or more

[@dougprentice1363]

How can you listen to Dave for a year, and not understand the baby step?

[@HSFY2012]

He doesn't not understand, he struggles with sticking to it. Anyone can understand not drinking or not gambling, but breaking those addictions is the difficult part, just like cutting out spending.

[@pimpballer3]

Director of finance at 23… I pray for this company

[@aplanefliesabove]

I struggle with buying from Target & Amazon! Lol Next month in December I'm gonna try a No Spend Challenge. Life is filled with ups & downs. The point is to never give up on yourself and to always Challenge yourself to do more, in terms of accomplishing goals. This month I am focusing on not eating out and cooking all my meals which are primarily plant based. My main debt is Student loans at $20k, which I want to have paid off by June 2023.

[@cobbiebobedas6962]

That dudes about to go buy something right now! He ain’t ready to quit spending!

[@Musicienne-DAB1995]

A great reminder that changing poor finanical behaviours all begins in the mind. I hope this caller pulls himself together and knuckles down on the baby steps. Good to watch this video, as I wobbled off course at the beginning of this month.

[@Sinful_Survivor]

Everything's 100% off when you don't buy it 😂😂

[@shola7987]

As soon as he said second wedding that was proof they like to spend money, don't blame Lady Corona.

[@DemetriPanici]

Some people just aren't there yet. I love it when you guys give it to them how it is

[@RichardJanvrinMusic]

There’s definitely something that comes over you. I got sick of looking at my student debt and went all out. I made $170k last year, but I still door dash at night and work mornings at Dunkin’ Donuts. You get to a point where you abandon the mindset of “what I’m doing is enough” because when you have debt, you need that gone ASAP!

[@justins7585]

The irony of saying you work in finance and missing your actual debt by 50% lol

[@SonofAGunFrom410]

That's the oldest 24 year oold I've ever heard.

[@musicpro7278]

I'm 24 and I still sound like I'm 18 lol

[@RichV20]

Are you sure he isnt 42, since he is bad with numbers?

[@Anglophile2012]

Mr. Ramsey is a voice of reason in a chaotic environment

[@MP-nj1qy]

George, this guy doesn't deserve a gift. He needs self discipline.

[@culture3687]

You have to become very frugal and it’s a lifestyle.Being part of the dave ramsey community it’s an amazing support system.I’m always thinking about taking the easy way out & committing suicide but I fight it everyday.I tell myself it’s going to get easy so this Community helps.

[@talyahr3302]

You got it. Just keep growing (:

[@angelalaskodi3459]

Keep going and keep growing...you sound like an amazing person.

[@culture3687]

@@talyahr3302 I appreciate it thank u 🙏

[@culture3687]

@@angelalaskodi3459 literally why am on this community so many amazing people like you inspiring me every day.

[@flyingduck22]

You got this!!

[@Benita399]

This is one old sounding 24 year old I could of sworn he was gunna say 40-50 something and they just went to college later in life 😂😂😂

[@pjsaki4797]

$150k of debt without including the house and only making $90k. He probably has $400k in house debt. Dude needs a bigger shovel.

[@oneeyedman99]

I too have a tendency to spring for something when I see a good deal, but the supply chain mess has fixed that problem. It's been months since I've had to tell myself "that's a great price, but is it something really useful?"

[@not_harrymaguire]

Fiance director at 24 and wife is a teacher only making $90k? I'm guessing he lied and has a finance degree but is a Jr analyst or intern...

[@Spladoinkal]

Depends on location

[@joank.0421]

Haha, these two are a dynamic duo 😂🤣 George is a mini-Dave

[@mikesmith-wk7vy]

First 45 seconds in we know they love debt , they have almost every kind of it

[@LittleMopeHead]

Wedding x2 😳

[@alwaysevolving281]

Dang, this one was motivational for me. I definitely struggle with the emotional side of things.

[@pattyajones]

Dave continues to pleasantly surprise me. Dude gives it to me STRAIGHT.

[@wadeharris348]

When people make more, they spend more. It's very hard habit to break.

[@desylid5915]

A “good deal” is one in which you can (and do) resell it for a profit. Or solves a real problem that exists in your life better or more cheaply than other solutions. Getting a root canal gor $400 less from dentist across town is a good deal. Buying a slightly larger second tv “on sale” is not. The caller is delusional

[@AmandaOwen-n9r]

We make a list and stick to it. Pay cash for everything. Stopped spending time with people who can't handle money. Our stress is so much less.

[@WindRidgeWoodCrafts]

Great advice. Love the end where George says he has a great yell and Dave throws in a Popeye cackle :-)

[@mxerb5912]

Finance major couldn’t even add up his debts 😂 correctly. Oh my I hope his employer doesn’t know who he is. Dave: you’re very smart Caller: I can’t do 1st grade arithmetic

[@alinatamashevich3354]

Most with advanced degrees cannot balance their checkbook.

[@ghostriley1855]

The irony 😂

[@shaunacoleman3306]

😂😂😂

[@angelineforestal8256]

Engage

[@Hiker2110]

Debt payoff is possible for anyone as long as they are disciplined. I don't see anything wrong with treating yourself to a new pair of jeans or new shoes once in a while, but only if you're making consistent progress in lowering your debt first.

[@oneofyou6773]

Let's admit it, Dave is the financially sane dad none of us has. If we did we wouldn't be here lol

[@arttwear]

I have a repo on my report....I need someone to hire to get it removed. the repo is from 2014. its the only thing on my report that needs fixing. HELPPPP.

[@DNaupari]

0:21 Dave’s head tilt is like a lab ☺️

[@TheDjcarter1966]

These guys are the 💯 typical Dave Ramsey customers and exactly what Dave's plan is for...just do it!

[@FooFan-b3k]

George has made a remarkable turn around I must admit. He's gone from not ready for prime time to being a true asset in short order.

[@frankcardano4142]

“Everything’s 100% off when you don’t buy it”. 😂

[@ChrisSGreenawalt]

first step, is learn how to add your debt up.

[@johnnyhoang4444]

I can’t believe Dave said he might be able to keep the truck

[@MikeyB_1972]

90% of fixing the problem is observation, 10% is fixing it.

[@xoxrazzyxox]

Does anyone know what Dave would say if you need a car NOW. I need a car to get to work (no public transport) to get shopping etc. But don’t have anything saved for it. I would be ready to get one in six months.

[@GapingLotusX]

I'm debt free but closing on a home in OC so I will have a crushing amount of debt but it's only my mortgage.

[@Lemontwist98]

This is the first one I’ve heard from my area of RVA

[@AbidingHopeMentalHealthCoach]

I have to laugh also at George being a drill sergeant. He is too nice to be one.

[@jazzymichael]

Only thing I disagree with is when Dave said this caller is smart.

[@AbidingHopeMentalHealthCoach]

I have to laugh at the whole Costco thing. I just went today. Came out with a couple things that weren’t on my list, but would have been if I’d thought of them. The rest I bought intentionally. Spent less than $70 (it was a short list). But I have spent over $300 many times!

[@josephpatrow]

Impulse control, doesn't have any, lying to himself about debt.

[@maryrenaud6732]

Save up cash for everything, including Christmas. STOP a buying stuff if you have to go into debt for it!

[@MsMockingbird06]

🎵 I’m talking to the man in the mirror. I’m asking him to change his ways 🎶

[@latinainmedicine4315]

He said he didn’t have student loans at the beginning.

[@mimih23]

That's why he feels bad and seems to have an addiction to spending. He just thinks that he should b able to do it by osmosis.

[@jaebeablessings1005]

It's Not good deal if you Don't NEED it! 🥴

[@Primitive_Code]

Dave, I can see yelling, but George? No way.

[@Rashaadthegr8]

Pray with me that I get to do my debt free scream. I applied twice now since early August 2021 I haven't heard anything background.

[@jmariah6222]

I hope you make it through

[@Rashaadthegr8]

@@jmariah6222 thanks queen.

[@Rashaadthegr8]

@@jmariah6222 you cute. Are you single

[@oscarp2629]

He hung up on the call and went straight to dinner 🧎🚶🥂🍝🍣🍤🍻

[@MartinLabuschin]

didn't they discuss finances before the wedding?

[@9liveslisa]

He's a Financial Advisor? Yikes!

[@TheFirstRealChewy]

What he's describing is an addictive behavior. He is addicted to spending and its just as bad as being addicted to drugs. He should really consult with a psychiatrist to find the root of the issue and to help him change his behavior.

[@CaseyBurnsInvesting]

You can lead a horse to water but you can’t make it drink.

[@alinatamashevich3354]

Did you come up with that? Slow day for you Casey.

[@aolvaar8792]

You throw salt into the mouth of a Camel at the watering hole. I bet it works for horses too.

[@jayafow84]

Of course you have a truck and can't add

[@plants4thewin]

I’m here for the comments. Should be a party down there.

[@BrandonMinguez]

I wonder if the spending is why Target stock is near it's 52 week high. Only said Target since Dave mentioned it 😆

[@Jessica_Jones]

But he mentioned it because it's so legit -- Target is a danger zone when you have no plan 😂

[@BrandonMinguez]

@@Jessica_Jones So true. Go in for one thing, walk out with a cart!

[@rodrigofernandez9055]

Dude can't control his emotions.... Wife needs to jump in and take over CCs and check book. Best of luck.

[@joeplem5329]

I'd rather save my money and semi retire in my 40s 😏

[@ghostingwhileblack]

Demetri The Spammer where you at boy

[@alexquintero4698]

$200 spend minimum in Costco or Sams🤣🤣

[@OTOWN2STOCKTOWN]

Wait, wait wait - did he say his wife got some of her student loans forgiven??

[@joycewright5386]

Sometimes if you teach in a poor school district they forgive some of your loans.

[@cutehumor]

THIS GUY MUST HAVE CHEATED FOR HIS FINANCE DEGREE!!!

[@Jessica_Jones]

@@evasanz3466 I had never really thought about it as a possibility but it makes so much sense. And when Dave didn't even flinch to hear him say what he did for a living, it shows just how common it really must be. I guess at least now he can say he's in good company :)

[@Dustin-tt4gx]

Hey is the problem. The wife is doing good.

[@righteoussoul146]

Wrong if Kevin had intellectual capabilities to "do this" he wouldn't be calling and no he's not too bright. He's not very interested in even discussing the money problems judging from his lackadaisical atitude.

[@9Risky]

Claim your “here within an hour” ticket *here*

[@JosPlays]

I was here!

[@deanhydra]

I was here. Not that it matters to me

[@kat-oe7gb]

Here

[@switchbladeromance1466]

This is hilarious...my Son of 12 is better off than these jokers..he has thousands in the bank!!!🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🇬🇧

[@monical733]

I doubt your son has bills or even a job… it’s easy to save when you are given everything including money

[@djpuplex]

Got married. That was the first mistake.

[@ana10g]

ridiculous caller. next.

[@johnmirbach2338]

😁👍👌✌🖖😎

[@RonnieColeman80]

"My dad said go clean the garage, I said are you gonna help? He said no I thought of it" - laugh - can you explain the joke for us not US people?

[@sabinindra3566]

That means you have to clean your own mess?

[@monical733]

People laugh in awkward situations, when they don’t know what to say, or to see the reaction of the person to see what the real answer is

[@129dannytran]

Dave explained it after he said the joke. He said recognizing the problem is 90% of the job. The joke Is the dad did 90% of the work because he knew the garage had to be clean

[@RonnieColeman80]

@@129dannytran makes sense, thanks!

[@dagobaker]

this guy is milktoast

[@teeduck]

Dude can’t even add.

[@macadon041]

1st

[@culture3687]

Did you even watch the video?.

[@rlopez2626]

@@culture3687 - He is probably like Casey the Spammer, makes comments and never watches the video.

[@rlopez2626]

Where’s Casey the Spammer? Just saw him on the Minority Mindset about an hour ago. 🤦‍♂️

[@culture3687]

@@rlopez2626 right what’s the point of being first if you didn’t learn anything?.

[@justins7585]

The irony of saying you work in finance and missing your actual debt by 50% lol