You're Partners With A Broke Person! (This Scares Me!)

[@DMS1010]

I don’t have any debt besides the car, house and student loan

[@truegrizzlesfan2292]

Haha IKR..

[@stevenporter863]

😂😂😂

[@dougprentice1363]

If you ever want to feel like a success, listen to callers. Wow.

[@stevenporter863]

@@dougprentice1363 Agree. I do. 😄😄😄

[@OTOWN2STOCKTOWN]

Lolllz

[@random-nz7dy]

"you're not going to do any of this but I'm going to tell you anyways" 😂😂😂😂 "What do you think debt is" 😂😂 "Do you have any other non-debt that is debt?" Dave was on a roll in this call.

[@joelfenner9179]

Yeah, no way is she going to do any of this.

[@mattmickle1296]

I love when Dave asks a simple question, and gets a novel. How much is owed on your mortgage? “Well my first boyfriend in 5th grade was named John, but then we broke up…”

[@mj9316]

Lol, your right it is hysterical!

[@KellyMichaelsTV]

Many people have trouble giving direct answers and want to qualify their answer before they get to the meat.

[@GodSaveTheClothes]

😂😂😂

[@lucasmso]

He steams whenever that happens.

[@soni05131]

Yes that's how the conversation went. How is she making 130k?

[@danni6257]

This is how Dave keeps his show going, people have the same issues and questions but don't take the advice

[@alinatamashevich3354]

No, stupid people keep his show going, Dave just tries to lessen the impact of stupidity

[@Polo22546]

Yup.

[@thegenxgamerr]

All the young men, all the young women out there. Please listen to this call multiple times. if you have this type of thinking or your partner does don’t get married until you get on the same page. And understand exactly what’s going on financially. All the love all the romance all the religion doesn’t matter you’re about to enter into a legal contract. Be safe

[@georgewagner7787]

Get married first

[@rnt45t1]

I would go even further and say men should absolutely NOT get married, or pursue women at all anymore. It's not worth it.

[@thegenxgamerr]

@@rnt45t1 I agree men shouldnt get married. The minute you do, every thing that can go wrong will be assumed your fault. From family, to the police to courts. For women though, they need to be 100% sure the man is tamed. The woman on this call has an issue, lol.

[@jimroscovius]

@@rnt45t1 Wrong!! My wife and I have a great marriage. We haven't had debt for years, we have a paid-off house, a good retirement built-up, kids college was paid for, etc. Had anniversary #40 a couple of days ago. We were smart about it.

[@mattmickle1296]

I agree. If the relationship isn’t serious enough to get married, don’t sign a 30 year mortgage together!!!!

[@WeBeatMedicare6969]

I get annoyed when somebody makes 130K and they don’t know what debt is…

[@ericphan2715]

She's lying about her income

[@themusicman669]

@@ericphan2715 How do you know?

[@currylove2519]

That’s called stupid rich. Lol

[@Jay-ry2nk]

She don't know what that is because it's not straining her lifestyle because of their income

[@seanhubble5532]

@@ericphan2715 so true, they all lie about income

[@dpink4832]

It's nice to hear an average person getting caught by Dave 😂. Most people do not believe that car payments are debt, they look at them like utilities. Most people do not believe that a mortgage is debt.

[@OTOWN2STOCKTOWN]

He himself is leading people to believe that: "How much debt do you have, 'not counting the house'...?" It's his line in almost all calls when figuring out the finances So if anything, he should be called out on this issue

[@alinatamashevich3354]

@@OTOWN2STOCKTOWN Not at all. Debt free means NO debt, you need to listen more carefully

[@MrTaylorfenoglio]

It's amazing to me too how people only see it as debt if they can't pay the payment. It's crazy

[@sweetfayce18]

This blows my mind 😂

[@droid2D2C3P0]

@@OTOWN2STOCKTOWN no he's not. The reason he says "not counting the house" is because mortgage IS debt.. he has to directly ask for your debt amount WITHOUT it because he recognizes it is debt..

[@jpstewart100]

“You’re not going to do any of this, but I’ll tell you anyway” - Dave. Haha calling it spot on with how ditzy this caller was

[@katemiller7874]

She’s hardly ditzy. She’s a great saver.

[@alinatamashevich3354]

@@katemiller7874 SUUUURE

[@alinatamashevich3354]

@@katemiller7874 She found her a Chad/ Tyrone, it will end as expected.

[@epr1]

He knows people well enough. Hopefully she listens to his advice

[@Hw-xf6gs]

@@alinatamashevich3354 Chad or Tyrone? Strong aware misc brah

[@donnyj9487]

Imagine him listening in the background being called "BROKE". That would either kill a mans ego or wake him up!

[@summerforever6736]

good than

[@grantv2313]

I wonder how many people actually have 10k in the bank? He should have more for what he makes but sounds like they have hefty expenses so not really surprised . I’m guessing she doesn’t know what he has in the bank.

[@joechang8696]

@@grantv2313 a young person graduating college with loans, starts job at a modest salary + car loan. Salary grows over the next several years. Assuming he has spending under control, it could be the loans get paid off about the same time as he gets a good raise. in this scenario, he could transition from debt + paycheck to check living to all of the sudden having a good surplus. In this case, he may have put up a good down payment leaving him with near zero saving, then grew to 10k

[@jimroscovius]

It should wake him up!!

[@sarahconner9433]

Wiener killer...

[@mustangthings]

The nitwittery of this woman, my god.

[@lingra1438]

WHAT A FOOL.SHE DO HAVE DEBT

[@Ironknuckle100]

She’s a Derp.

[@joyparker3116]

Get over it! Loser! Run!

[@chrisengletx]

it was so frustrating to hear her claim to have no debt then to discover she doesn't consider a hefty mortgage and a brand new car lease, nor her fiancee's car payments, to be debt.. then she didn't seem to really be focused on the actual amounts, which i'm guessing are huge. I'd be willing to bet her "non-debt" car loans / leases are for expensive cars. Given their income I even think her mortgage was super high- in a state where net income is reduced due to state and city income taxes. Has she ever listened to this program before? how can she not think of those things as debt? I wanted to pull my hair out on that one.

[@epr1]

That was painful. People are so oblivious

[@littleripper312]

Especially with their high incomes. Why on earth would someone with $130k/year salary have car payments? The only reason is they are spending way above their income.

[@mrchyzy16]

@@littleripper312 130k a year and your not allowed to have car payments? I dont know about you but 130k a year im living pretty comfy with my car payments. In case your math illiterate, thats close to 8k take home a month...for one person...

[@notiitans]

To be honest I think she just wanted Dave to congratulate her for having a large income. I dont get the feeling that she is very financially literate, hence the fleeced vehicle.

[@annadingman1530]

​@@mrchyzy16I think @littleripper312 is saying that with that income they could afford a car easily with no car payment.

[@residentevilfreakk55]

Her laughing isn’t because she finds what Dave is saying funny, she’s nervous

[@AB-wy7dr]

It’s because she’s not serious about understanding her situation or doing anything to improve it.

[@JR-wu8dc]

Because she’s lying

[@mattenderle1766]

Imagine making $130K a year and only have $10K in the bank.

[@khrisstake2210]

Well she's not 80

[@mattenderle1766]

@@khrisstake2210 that doesn’t make sense at all.

[@khrisstake2210]

@@mattenderle1766 she doesn't need to have 100k in the back at this moment. She can start after she's gotten other assets

[@mattenderle1766]

@@khrisstake2210 I disagree. 3-6 mos emergency fund is ideal.

[@khrisstake2210]

@@mattenderle1766 10k is fine

[@whoismaverick2152]

Not to be rude but she seemed oblivious to the scenario she’s in.

[@stevenporter863]

Clueless may be a better description. 😄

[@thetruth5635]

This lady is going to do nothing dave says

[@Frank00]

You know it

[@epr1]

Dave said it twice lollll

[@littleripper312]

I wouldn't be surprised if she or her husband calls in a few years that they have 500k in debt.

[@blakeandrews4480]

“I doubt I had any impact at all, but it’s fun to try” has gotta be the new slogan for these calls😂😂😂

[@jking5772]

Nothing more irritating than when somebody asks for advice you give them sound advice, and they start to giggle

[@littleripper312]

She's probably a little nervous being on air.

[@amandadean3948]

I’m unsure if she was being truthful, her “story” kept flipping…

[@stevenporter863]

.... or she just is just clueless about her and his finances.

[@theforeignerinamerica1817]

when your partner is a broke person and doesn't want to change or adapt and learn, then that may cause a rupture in the relationship!

[@ugabuga1361]

How are they making 130k a year each? I’m jealous of the income and angry at myself, this girls making money and sounds like a rock

[@Eric_Bassett]

Something tells me she over inflated their incomes which is why they were conveniently both 130k... Im also willing to bet that those over inflated salaries are BEFORE taxes. I mean if she lied about having debt then how is anything else she said credible ? She's a liar AND makes poor life choices.

[@reese85]

You always give income b4 taxes

[@ki2000ki]

Your guess on her is right on

[@jgray690]

maybe not. There is no way they just got approved for a 600K/$3500 a month mortgage payment without the tax return/income. Especially with all the other debt she listed they have (car loans/student loan debt) their income had to be over 10K a month. It had to be. Other wise the bank would not have approved the loan amount.

[@Kysen10]

This woman is clueless.

[@MrMustangrick]

What a clown show. It gets better and better.

[@Lexethan2011]

Her employer overpays her. Such a simpleton.

[@josephshatrowsky]

Sadly she is probably hot which is why she gets paid a lot.

[@janeoleary8454]

Complete dingbat

[@ilotefft2526]

I wish you had asked her the definition of debt.

[@tic8259]

Omgosh I just said that aloud "what is debt to you???!" 😂😂😂

[@regularity2556]

She probably thinks since she's up to date on her payments she's not in debt

[@MissHunterELA]

@@regularity2556 hmmm...makes sense what you're saying.

[@k.d.k1250]

I don’t know what was the purpose of this call!!!!🤷‍♀️ She wants to make everything looks so rosie while she is still in debt🤦🏽‍♀️

[@unfairsanic5089]

Most Americans are like that. Its like its part of life if you have debt

[@jimroscovius]

And she bought a house with her fiance. Sigh...

[@Rob-fn1kp]

She was in pure Denial…. Tactically withholding her debts too 🤦‍♂️

[@donnaleesalerno]

@K. D. K. Completely agree with your comment. She is immature and vague with her information. It's frustrating when callers aren't serious about their financial issues. How do people not know what they owe on things when in deep debt!!!!????

[@donaldlyons17]

@@donnaleesalerno Even if you know how do you get out of debt?

[@ONLY1KUDWE]

Dave was a super savage here 🤣

[@joeypiet1925]

"I have no debt, and I own my home" Made us all think she had paid off her home free and clear

[@Leilia930]

I haven't even listened to the whole thing yet, they got to the point where he asked her if her fiance had any debt and she said no and then Dave asked does he have a car loan, and she said "yes" and Dave said "what do you think that is?" I have been laughing for the past 10 minutes! My sides hurt! 😂😂 She said that she owned her home, and then she has a mortgage on it. Sweet Summer Child, you don't own your home. The bank owns your home, they let you rent it. 😂

[@sherryweems8579]

WOW I forgot how much I loved Dave !!!

[@-Wreckanize-]

Caller is so clueless

[@summerforever6736]

airhead

[@eprofessio]

Your numbers are going to skyrocket with the short format Dave!!! Congratulations!

[@miltoncat]

LADIES… stop letting these men shack up with you or stay ‘engaged’ for years! They don’t want to fully commit! Got one foot out the door. Stop hanging on to these losers!

[@dis.infectant]

If only I could fast-forward to when she calls in again.

[@georgewagner7787]

I could predict...

[@summerforever6736]

$3500 mortgage is huge

[@OTOWN2STOCKTOWN]

Something leads me to believe she exaggerated numbers 10X Mortgage 300

[@mrchyzy16]

@@OTOWN2STOCKTOWN what would make you think that? High taxes and a $3500 payment is only like a 500k house. If she said 35k I would call bull but not 3500.

[@Marsthemartin31]

How do you make 130k and not know what debt is ??????im underpaid for sure

[@letstalkaboutgermany8288]

Me too! I am always thinking that. Can I please be dumb and make $130? 😂

[@VS-fo9py]

Why don’t people consider car payments debt???

[@alrbredwall]

People have been living with them so long they think it is normal.

[@georgewagner7787]

"It's gonna be paid off in a year. ....I just signed a lease. "

[@dericanslum1696]

...she defines "debt" as stuff we don't need to live in her head...

[@PH-xw1ri]

Her "fiancee" does not make 130K. I call BS.

[@jimmymcgill6778]

And why can't he make that much?

[@stevenporter863]

She doesn't know any of the important numbers. Not knowing his salary is a good bet.

[@johnlanier3616]

He's probably unemployed

[@stevenporter863]

@@johnlanier3616 I thought that too. She was very vague.

[@rockintherae]

You're jealous

[@cnewt00]

I’m also debt free. I only have my mortgage, 3 car loans, student loans, an IRS judgment, 4 credit cards, a personal loan & a small medical debt left. Debt free scream here I come!

[@janise01]

😅😅😅

[@cathy7824]

I've bought a house with a boyfriend. It's one of the dumbest thing you could do financially. I was young and foolish. It worked out in the end but it was a hard road traveled.

[@reese85]

What was so hard about it

[@suek7086]

Nope, she’s not going to do any of it.

[@9liveslisa]

As Judge Judy would say, "Uhmmm is not an answer." lol!!!!!

[@Lucas259]

Hello 👋

[@MissHunterELA]

🤣🤣🤣🤣 right!!!

[@Mr_Fairdale]

These are the fun calls I’ve missed lol

[@landshark7684]

Being this clueless is almost making me feel bad for her…almost

[@mikea1973]

..I'm still taking in the 600k house with the 3500 mortgage payment!..unbelievable..they both deserve each other..good luck 🤣

[@Dan16673]

Sounds like small down %

[@danielle228512]

I nearly fell over when I heard that then I saw she lived in New York 😅

[@frumpusnumpus]

It's new york, new york. I'm surprised they even have a house with how much they make.

[@thefinancialcouch1072]

Apparently I have the wrong definition of debt lol

[@Damon-qt3fw]

My household is a sole income household at $77k. We live pretty well. I have an IRA, 403b, Index funds, and one year of emergency fund. I can't imagine $260k a year. That would be so unbelievably life changing. How could someone be broke making that? Even $130k, how are you broke?

[@catherine4908]

Depends where you live. In big cities $130k doesn’t get you far especially when you’re taxed very heavily

[@ki2000ki]

She lies about her income

[@misterb1132]

That's an average salary in my city on the west coast.

[@weinowei143]

NO debt, none... Car payment! I am also leasing the car~ I got lost listening to this.

[@truegrizzlesfan2292]

She call a financial show without having her bills in order. Sounds crazy to me. She not organized at all. Yeah a disaster is waiting to happen any minute now.

[@stevenporter863]

Just sit back and watch the disaster show.😄

[@rachelharrison7961]

She’s way more typical than the opposite. Most people are not the least bit organized about finances.

[@Chromewarrior]

Jeeez that was like pulling teeth. Listening to her answers and silly laughter was painful.

[@flea4061]

She doesn't have an issue. She just wanted to be on radio. Or what ever it is.

[@alrbredwall]

She has multiple major issues. I don't think you were listening to the same call.

[@joeypiet1925]

Honest question- who has made people believe that mortgages are not debt?!!? A lot of people make that mistake

[@alisonsezonov1420]

I agree this is one of the 'scariest callers ever!! she has ' no debt' but huge mortgage, leased cars and laughs at everything. I don't think she understands how precarious her financial situation is.

[@Bob-yh7ir]

Do people not know what debt is? !!! Wake up people ! Owe everyone and think they are ok. 260K income when they get married should be able to pay off everything in very short order.

[@Yaya-cl3tu]

Nothing irritates me more than a silly, giggly grown woman...

[@rjmurray5128]

NYC almost like West Coast, lots of fruits & nuts!

[@lav7161]

Weird call. Was she bored and had extra time. Didn't really understand this one.

[@kdi9049]

I love the way Dave talks to women.

[@alinatamashevich3354]

News flash, unless the property in question is free and clear, the bank owns it! Unless one has really wealthy relatives, few are willing/able to take on new debt. No worries , the bank is your friend and will gladly repo any and all unpaid assets .

[@jamesross1798]

He's probably paying for everything thinking it's the manly thing to do going broke. While she's saving up 150K telling him how blessed she is to have him 😕

[@Emophilosophy]

Lol

[@danclapper626]

Yep. I did the same in my young 20s.

[@FairBeautyEssentials]

After she said, she have a car payment. I am exiting the video.. foolishness

[@Whoiskevinjones]

Get married at the courthouse today!

[@victors16811]

She just was in the clouds and David took her back to earth

[@Bunnnnbuns]

I’m not buying it. She’s full of it. Dave could’ve poked a lot of holes in that with a few more question.

[@ctb3343]

This will be one of those several callers that make a ridiculous amount and still fail financially. Her head is stuffed up her rear.

[@ryanl3812]

Does she not know what debt means?

[@vinnynunziata]

Her attitude towards debt is exactly what is wrong with this country. If she has kids I bet you they think the same way that she does. They don't know the definition and the true weight of debt, so they will also be in harm's way. It's really not something to just laugh off. And then everyone gets all upset and blames other things when THEY are broke. No, it's not capitalisms fault, it's not your employer paying you too little, it is largely YOUR fault for not being careful and competent in YOUR life.

[@WeBeatMedicare6969]

And she makes 130K a year..stupid

[@jaylenjenkins1696]

My younger sister is in the exact same situation as your caller.

[@Lucas259]

Hello 👋

[@freeman7296]

That conversation is close to what a friend of mine is doing now - a "partner" with a former fiance and it's falling apart and it's not pretty....

[@theresapreus9687]

People have to start realizing that engaged is not married. The sixth commandment (You shall not commit adultery) is a serious problem. It is frightening how flippantly people dismiss God's Law. Getting smart with money won't solve that problem.

[@KellyMichaelsTV]

I always talk about how women can't be getting serious with men just because they're cute. Financial literacy, and stability in a man is important, and a man who can make some good life decisions.

[@BradKandyCroftFamily]

Same goes for the women. If you're financially literate and she's stuck in stupid, how can you want to hitch yourself to that just cuz she's pretty? She's gonna make you miserable.

[@iwilson6651]

The fiance, sounds like me...there are alot of relationships like that in NYC.

[@BagsNBaguettes_327]

You mean you just signed a fleece ✍️

[@letstalkaboutgermany8288]

That call went awkward real fast…. She is like: I don’t want to do this anymore…. Can I please hang up now…🤪

[@martinfreeman8391]

She’s such a time waster.

[@sblijheid]

If you make 130K a year, why would you need a lease? You can save and buy outright, except if you buy a $200K car. I don't think this lady has met the truth yet.

[@reese85]

You lease to switch out cars every few years! What do you think rich ppl do with their high end cars?

[@shannonbell5365]

From a cancer survivor, please don’t compare cancer to someone’s finance’s problems, there is no comparison!!

[@SteveT.]

This girl is something else

[@energeticsoulhealer888]

I think she called the wrong show, or has zero clue who Dave Ramsey is? HOW is a mortgage not debt? A car payment (lease, same thing)? Also a little sus they both make the same exact amount of money per year. Dave is patient, way beyond what he should be. He needs to be firmer with people like this. She was a complete dunce. Clearly has no idea what the baby steps are, or she's just decided her way is better, but then why call?

[@chipstetson5819]

People call for advise, they aren't even honest, certainly ignorant . Can't correct that flaw w/out honest evaluation of self.

[@e4817]

My last boyfriend straight up did not understand that he had a loan on his car. He basically thought it was a rent-to-own situation 🤦🏻‍♀️🤦🏻‍♀️🤦🏻‍♀️🤦🏻‍♀️

[@relaxgood512]

Many people prefer to live in fantasy land when it comes to their financial situation.

[@lights80088]

How would you want to be her lucky employer, geez!

[@chedbeckford8067]

He makes 130k a year but only has 10k in the bank

[@vinnieboombotz2001]

I was waiting for her to tell Dave she was also pregnant!

[@georgewagner7787]

A quarter of a million isn't a lot of money in nyc. In queens maybe

[@sarahconner9433]

1m / year is ok in NYC

[@Houseofbeasts]

these people are ridiculous!!!! they dont answer the yalls questions. how do they expect help by trying to lie to yall?

[@giainto5564]

Why do people buy house before getting married??

[@mrchyzy16]

because they want to? Dont need to be married to buy and a house and live together.

[@BoriPR82]

650k house in New York is a 3 bedroom 1900 sqft house, And old.

[@matrixkernel]

I don’t know many people who earn $100k individually but they seem to call Dave every hour.

[@TheHoriginal]

Right? Who are these people 😂

[@sherridevries9144]

Her laughter 🤦

[@gwenraddatz5603]

Some of these people with their giggling.....and they don't listen.

[@DLIX2DCLI]

Lol either this lady is clueless to what debt is or she has enough money to pay it all but she doesn't want to therefore she don't consider it debt. This caller is funny.

[@sabrinay9430]

This lady😂😂

[@binks3371]

It is funny listening to people that think like: "I bought a house (on credit), I own a house. I bought a car (on credit/lease), I own a car." No you don't. The bank owns it.

[@bridgettetraveler658]

I'm happily married & I recently bought a new house! I put it in my name only! I'm paying for it all by myself! My husband has a son by his deceased wife! He received his inheritance after her death & my house is not going to be another part of his inheritance! I have a son & he will inheritance this house after I go to meet my maker! We must look out for those we want to protect! Our children are grown! My son still looks after me & his stepfather! My husband son is married & we don't hear from him much since he received all of his inheritance!!!

[@cita_m]

You really love the exclamation mark.

[@rickw3243]

Why not buy the house with a joint tenancy with the right of survivorship so that if one party dies, the entire property passes to the survivor by operation of law?

[@alinatamashevich3354]

You mean the mortgage? Nothing will "pass" if the bank owns it!

[@rickw3243]

@@alinatamashevich3354 No I mean the title. If the house is not in foreclosure, the property is still titled in the names of the owners. The mortgage is only an issue if it isn’t being paid.

[@alinatamashevich3354]

@@rickw3243 Again, the bank owns it. The BANK (lender) name is on it. The owner IS THE BANK!

[@mrchyzy16]

@@alinatamashevich3354 wrong. The deed or title is in your name. The bank has a lien on the house. Not the same. Bank does not own it.

[@alinatamashevich3354]

@@mrchyzy16 And your really believe the lien holders name is not on it? You a fool.

[@patymartin8568]

She's lying! She's lying for him... she's covering for him 😢😢 she'll call crying in the future😮

[@DCLover72]

What a mess

[@t3morga]

couldn't finish this call....smh. next call!

[@RagingWolffe]

She make over $100k a year but she’s not bright.

[@lingra1438]

AMEN

[@ryanj357]

It baffles me how high-earning people don't know financial literacy.

[@jonathanarras1281]

Exactly how does a dud like her makes 130k

[@summerforever6736]

look at camala harris

[@reese85]

You don’t need to be smart, to make money!