$70,000 In Student Loan Debt, But I Need A New Cell Phone!

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$70,000 In Student Loan Debt, But I Need A New Cell Phone!
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Опубликовано:

28 окт 2019

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Комментарии : 781

@lucaslevonmusic 4 года назад

We need to buy a new Tesla. Dave: Why? To buy groceries for the baby.

@MrOfficer235 4 года назад

lol. Well done

@axbxcx123x 4 года назад

HaHaHa😂😂😂

@roolyfe 4 года назад

Lucas Levon ha ha lol

@debrawilliams7983 4 года назад

Lucas Levon Lol 😂😂😂

@aaronsalentine7876 4 года назад

Epic comment.

@aileencrane7700 4 года назад

“Cause I wanna take pictures...” oh girl... 🤦‍♀️ She immediately regretted calling Dave. And yea she’s still gonna get the new phone.

@dataodokpa5431 4 года назад

You are exactly right, she knew she was wrong when she gave her reason, and that started a whole new break for Dave to get on to her...but she's going to get the cell phone...and that 300 was for a down payment...she said it right the first time (For down payment)...had to switch it up to say "Pay it in full" so she don't rattle Dave.

@michaelmarquez6133 4 года назад

I'm glad that I'm not calling him because I just spent 1300 bucks on a cell phone for me 350 for a cell phone well actually the Google pixel for a that's 350 bucks that's like the best cell phone for that kind of money but usually that kind of cell phone is okay cell phones are getting cheaper when you go down to the lower tier now but that's not like going to take really good pictures either if she really truly wants to sell phone for pictures only then she should take 350 bucks and buy a camera with that much I think she would get way more out of it but there's no way I'm calling Dave haha he'll probably Flip or something how much are you paying for your cell phone hahaha I can see it now and I don't need that I'm also getting the tablet that's another thousand bucks

@Abigailwark 3 года назад

😂😂😂😂

@dallasryder8125 4 года назад

She’s gonna hate when she sees the cost of a baby.

@jaypence332 4 года назад

It's her 5th baby

@fsmoura 4 года назад

she's not paying

@tadiqshahid4625 4 года назад

Baby Daddy is gonna pay, bro. Child support 💴

@clarifyingquestions 4 года назад

Having kids - just more rationalizations is why the cost of a baby is higher. Come on America! This is a great question and answer not one to judge the caller on but look in the mirror or re watch the video.

@thomasmorrison3279 3 года назад

She is going to end up $170k in debt with the new baby.

@peruvianheat2053 4 года назад

She will end up buying an iphone 11 Dave

@Ryan_DeWitt 4 года назад

I can see the salesman talking her into an Iphone 11 or a Samsung Galaxy 10. You don't want that old phone, it is already out of date. If you are going to upgrade after 7 years spend the $ and buy a top of the line so you don't have to upgrade again for a while. It will SAVE you $ in the long run. I've heard it a million times. She would probably fall for it too.

@multistack1502 4 года назад

Salesmen doesn’t make money based on what phone they buy, just the fact they buy. But it’s true purchase a newer one. Newer the better.

@johnazhderian5734 4 года назад

An iPhone 11 for $1,500! I mean why not? And how about a new S Class Mercedes?

@roolyfe 4 года назад

She is like all Americans love new things!

@bobmarker6812 4 года назад

" That phone is outdated " - What will your friends think?!

@yayyareaa2997 4 года назад

Caller: I am interested in buying the two for one KIT KAT bar deal at the grocery store. Dave: What’s your household income?

@lucaslevonmusic 4 года назад

Are kit kats a necessity or a want?

@stevemanxxx 4 года назад

Get a part time job delivering pizzas and MAYBE then you can think about getting one!

@guillermopianetta5935 4 года назад

Dave: you can’t buy that you are broke!!!

@JoeEnt 4 года назад

Go to church and get connected with a pastor.

@debrawilliams7983 4 года назад

Yayy Areaa Lol 😃

@iPLAYtheSTATION 4 года назад

She's going to buy the phone. Then later she's going to buy a $40k minivan because "oh, we have kids now!"

@JunkMailBoxStuff 4 года назад

New, of course. Don't forget the DVD/BluRay media screens in each seat back because we *just must* provide our child more digital media input and we don't want the child to use their mind to look out the window, imagine, or develop.

@Jaxmusicgal23 4 года назад

Sigh, yes....hopefully not. We are on living baby #4 and FINALLY saving up for a used minivan but it will be $9k-$12k depending on tax return and what we sell our other "nicer" older car for. Priorities matter...I want to stay at home, I don't need all the new stuff to be happy even though I like technology.

@mastersfan04 4 года назад

And blame her husband when she finds out how much a PA makes

@user-kx7do4fh2j 4 года назад

Maybe she will even take out one of those loans the store offers. Or go to a pay day lender and get 600+ interest rates.

@ElainesDomain 4 года назад

Nope. $45K or so. Mebee a $60K Suburban.

@arzoowasson1085 4 года назад

Sometimes I think the show hires actors with these questions. But these are real people😂😂

@MrOfficer235 4 года назад

I can’t believe she called DR and asked this.

@richardfosterII7575 4 года назад

Exactly

@digjayd 4 года назад

Some people want validity, she knows it’s stupid but she needs to hear the harsh reality from a neutral perspective

@stephcurry9524 4 года назад

This is what Dave Ramsey is here for. Don't judge someone else for her way of thinking but just help her see how wrong it is

@MrOfficer235 4 года назад

I’ll call out stupid when I see/hear it. Thanks.

@stephcurry9524 4 года назад

@@MrOfficer235 what seems stupid to you actually matters to someone else

@nikkole9951 4 года назад

Please. When I had my first baby I had a flip phone. I went out and bought a cheap disposable camera because I didn’t have a digital camera either. I agree with Dave. She’s using the baby as an excuse to buy a fancy phone. 🙄

@michelarosier1918 4 года назад

I totally agree. I did the same for my oldest sister when she was pregnant. I had a disposable camera, I took a lot of pictures, when my nephew was a baby. Now, looking back at those pictures still looking good.👍🏽

@NathanielClay 4 года назад

@_David_ it's for a down payment, she's getting it at a cellular providers store, so she is renting the device.

@paperremix 4 года назад

Exactly! Just buy a camera - way cheaper!!

@higherliving 4 года назад

Omg! Im so glad the caller called in. This is something I do all the time. THIS IS GOOD STUFF. WISDOM IS PRICELESS, IGNORANCE IS COSTLY AND STUPID IS FREE.

@davidhochstetler4068 4 года назад

I agree, while it seems dumb it shows how she and many people think. To keep appearances up and impress people she doesn’t care about with money she doesn’t have. Next it’ll be the new $40,000 van for one kid

@rositahl 4 года назад

You know you’ve made some bad decisions when you need to call about getting a phone.

@SvPVids 4 года назад

How do you earn 50k a year and struggle to buy a new phone after 7 years

@ceescorner 4 года назад

She's down to 70k in debt, it was probably 100k

@SvPVids 4 года назад

I get that, I mean how can her life be so enslaved to debt that she cant even buy a new phone earning 50k.

@ceescorner 4 года назад

She's in debt, having is being enslaved. I'm tackling 58k of debt including my car. I'm working to get it to 0, if i buy a new phone it wouldnt be smart knowing the extra funds spent could of been knocking the debt down.

@jcarlson2727 4 года назад

35-40k after tax.... just over 3k/month doesn't go very far for 2 people and 70k debt.

@thomasmorrison3279 3 года назад

Making 50k/year and spending 70k/year

@JoMama123451234 3 года назад

I am in the same boat. 20k in debt. Just paid 16k to bring it down to 4k. My phone is getting slow and I want to upgrade but I have decided to wait until Im debt free. Its actually painful to fight the urge but principle prevails!

@QuickWit04 4 года назад

She can't be serious. A phone to take baby pics? She just want a new phone..Just stop lying about it.

@BatBrakesBones 4 года назад

She wants the new iPhone, Dave. All those Billboards got her.

@twdjt6245 4 года назад

The new iPhone doesn’t cost 350

@MarksTournaments 4 года назад

@@twdjt6245 350 down lol

@danroberts7975 4 года назад

@@twdjt6245 Although the text said "Is it okay to finance a cell phone?" So unless she really did mean $350 down...she did seem to change it when Dave called her out on it!

@zkatt1959 4 года назад

@@twdjt6245 yes

@MP-nj1qy 4 года назад

SuccessBasis 😂 🤣😂

@YummyFood454 4 года назад

Me: I need to buy a $1 bag of chips Dave: what’s your house hold income?

@mr.speyside5240 4 года назад

🤣🤣🤣

@thecatnextdoor12 4 года назад

Way too expensive, get a smaller one for .79 cents.

@virtuous__woman7 4 года назад

😂😂😂😂

@mike990 4 года назад

Air is free my dude.

@billgateskilledmyuncle23 4 года назад

You're going to eat dirt until you get that 3 dollar box of corn flakes paid off, then if your 5 dollar emergency fund is built back up, you can purchase the bag of chips. Don't get me wrong kiddo, I love bags of chips, I have a few 2 or 3 dollar bags of chips, the difference is I'm a hundredaire and my chips all added together make up less than 25% of my yearly income.

@NickPeitsch 4 года назад

New cell phone doesn’t have to be the iPhone 11 Max... Budget phones are available for this exact reason!

@KTSpeedruns 4 года назад

The big deal is that she was about to slap down $350 on a phone without considering that there are phones for $100 or less and really good point and shoot cameras for $100 which saves her $150. She's rationalizing getting more phone than what she needs because she wants to take pictures of her baby. In truth, she really should keep using her 7 year old phone until is fully stops working, then buy a cheap-o budget phone. Saves her even more money in the long run. The big deal is not that she was trying to ask Dave's permission about an iPhone 21 Pro Max Ultra Flabergaster whatever; the big deal is that she's letting her emotions control her money. "Love with your heart, use your head for everything else." -Captain Disillusion.

@favoovis 4 года назад

@@KTSpeedruns She should've picked up a low-range DSLR for $200 if you ask me. Yeah it's more money, but you'll get amazing pictures, and you can even make money selling the pictures if you're so inclined. Not a lot, but it's something

@TLM860 4 года назад

Clearly she's never heard of Ebay, Amazon or Swappa!

@savagedragon79 4 года назад

I got a decent phone at Walmart for $50.

@michaelmarquez6133 4 года назад

@@KTSpeedruns hahaha oh man you really don't know much about phones I think 350 barely get you something reasonable I think she can find something for 3:50 but if you're talkin about 150 that is just not going to get you much in terms of phone for these days I just spent $1,300 on my phone not to mention that I have to get cases maybe even a screen protector and the cases are like 40 to $50 each I need a good phone for work but yes I am getting Shirley the best phone that I can because that's what I like good thing I don't have a bunch of debt

@seymourcake752 4 года назад

She hung up the phone with dave and purchased a thousand dollars phone. Keeping up with social media is a must.

@truegrizzlesfan2292 2 года назад

Lol yes. Yep pass and she still have another new iphone but her debt still 70k

@Ricardo_C 4 года назад

People would rather keep up with appreances than to live debt free .

@TheDHEL13 4 года назад

Apparently, it is now considered "NORMAL" for people to live in debt.

@bobbybines7881 4 года назад

Sad

@Dentalman87 4 года назад

Ricardo Chavez you’re 100% correct.

@fsmoura 4 года назад

Run down houses but cars with "rims."

@Ryan_DeWitt 4 года назад

Time for a used phone off of Ebay.

@MarksTournaments 4 года назад

Exactly, $99 S5 for years and it's perfect enough. That's the first thing I said no more years ago, the payments and price for a phone is stupid

@harshitmadan6449 4 года назад

Used phones are dangerous. God know what they contain and police may get involved.

@MyNameIsCorey 4 года назад

Same thing I was thinking

@rayj.9568 4 года назад

@@harshitmadan6449 Great point. I can be a cheapskate, but not when it comes to getting snagged into some criminals web.

@traviskraemer 4 года назад

Just get an lg v30 for under $150 used on swappa or ebay. It's a really nice phone. Android phones drop in value very quickly on the used market.

@blackworldtraveler3711 4 года назад

I keep hearing people complain that personal finance is not taught in school even though you could have at least just gone to a library and read books..... but go into all of this debt getting all of these student loans and still don’t include courses like personal finance,economics,etc.. When I say this to people in person they get angry.

@1redrubberball 4 года назад

I'll go one step further and ask why it should be necessary to be taught? It would seem to me that this subject should be intuitively obvious, enough to recognize that a budget should regulate ones income to a proper outgo. Ones spending priorities should be from most to least important. A beginner at budgeting can't be expected to know and employ all the finer points in theirs, but how many weeks/months/years have to elapse for a good working budget to emerge? All one needs is a small notebook and a pencil. And enough common sense to pursue it.

@cameronsantiago3155 4 года назад

I agree but disagree. While you can learn independently, it's rather sinister that the system allows people to be nieve and not comprehend how their actions will impact the future. I can understand how people are frustrated that our students learn math formulas that almost none of us have used since and don't know the value of compound interest.

@Nonameagain80 4 года назад

That's a really good point! You could start your own life coach video just on that ☺

@euenfheiejrj 4 года назад

The more concerning thing is they’re having a baby when he’s still in school...

@nicolesonk5132 4 года назад

who are you to judge

@euenfheiejrj 4 года назад

Nicole Sonk it’s common sense, don’t have a baby until you’re ready. He’s still in school so obviously he’s not ready.

@nicolesonk5132 4 года назад

@@euenfheiejrj do you know a lot of people have children and dont go to college at all???

@euenfheiejrj 4 года назад

Nicole Sonk he’s not even working and she’s the breadwinner making little money. Hopefully she gets paid maternity leave but they could have planned this better.

@twdjt6245 4 года назад

Nicole Sonk did you know you don’t have to go to college to make good money? Do you also know lots of people who arent making good money who have kids are in a poor financial state because of that choice? So salty at the truth this guy is saying simply because “lots of people do it”....yes well lots of people in this country in debt buy 1000$ phones as well...maybe Dave should’ve just told this caller “no biggie, buy the phone 👍” 🙄 Rule #1 to financial freedom and being debt free: do what makes logical/common sense, not what “lots of people do”, what “lots of people do” is why three quarters of the country doesn’t have 1000$ in their savings and so many are in debt, if you haven’t noticed.

@TheZchristina97 4 года назад

So she's just trying to keep up with people who post their babies on social media in HD. Shouldn't be flaunting a human being on instagram as an accessory anyway.

@txchaipls 4 года назад

Forreal I cant stand, one photo once in a while but not everyday

@JunkMailBoxStuff 4 года назад

Immature, lacks self-discipline, fails to demonstrate good judgment, impulsive without wisdom, swayed by 'but everyone else does it' crowd following, ... and I'm not referring to the *child* on the way. Congratulations lady. The social media networks thank you for *voluntarily providing and uploading* the *very* personal and *private* facial mapping of your *child* for their databases. How nice.🤔 ♀‍🤦. Wow! How sad.

@patty109109 4 года назад

TheZchristina97 taking pics of her kid is not keeping up with people

@Jaxmusicgal23 4 года назад

I have a Samsung J7 and it takes just fine pictures....if I want better I use my hubby's new Samsung S8 cuz his 7 yr old LG died. I don't post most on social media....I don't get the need to constantly publicize your life and goings on with everyone. You don't NEED the newest phone to keep up or to take good pics. You want it to look good...and that is sad

@JoeEnt 4 года назад

@theZchristina97 true

@steveo252 4 года назад

I held off getting a smart phone until my boss told me I needed one or I won’t be promoted. I was very angry at the time, I felt if I needed it for work the company should have provided me one. I left there about 6 months later. It was a very toxic environment.

@CallHerCassie 4 года назад

What phone lasted 7 years?? 🤣 I’m a little impressed

@marcdonvito6485 4 года назад

My previous cellphone lasted almost 7 years, but it was in sad shape for the final few months. I should have replaced it earlier. I would not expect a cellphone to be reliable beyond about 5 years.

@insideoutsideupsidedown2218 4 года назад

Nokia 3310....

@crestinglight 4 года назад

My Samsung Galaxy S4 lasted 6 years. My hubby's is still going. They were very dependable phones if you treated them well.

@CarolBennettGA 4 года назад

Im going on 4yrs with mine. Its one of the Samsung galaxy prepaids from AT&T. Bought it for about $50. Still going strong.

@andysorensen1737 4 года назад

Cassie B I sell cell phones for a living. You’d be surprised how many phones people just throw in the car and use them for emergencies 5-7 years ago and are still ticking.

@Crismodin 4 года назад

I swear some of these callers remind me of the HGTV memes. "Hi Dave, my wife and I are currently going to college to become butterfly recovery specialists, we currently have a combined $300k in student loan debt. We were hoping we could sit here on a phone call with you and justify why we should buy something really expensive, completely ignore your advice, and buy it anyways. Thanks for allowing us to waste your time."

@Ms.MD7 4 года назад

Butterfly Recovery Specialists 😅🤣😂😭

@Mag1c4lyfe 4 года назад

Dave. I make $85,000/year. I'm $400 in debt and that's it. Can I afford to buy a $1 chocolate bar? 😂

@mapssweetblk5769 4 года назад

No you cannot. It's rice and beans for you kiddo

@Mag1c4lyfe 4 года назад

@@mapssweetblk5769 so should I take out a loan or ask one of my relatives to borrow money on my impulsiveness? Because I have a sweet tooth and I really want a chocolate bar.😂

@mapssweetblk5769 4 года назад

@@Mag1c4lyfe i suggest you get in contact with your local pastor and deal with ur impulse issues. You dnt have a money problem but something deeper 😂😂 I'm starting to sound like Uncle Dave

@1redrubberball 4 года назад

Dave doesn't address how you spend your money, after ones debt problem is solved. Actually, Dave doesn't care if you solve your debt problem, unless you want to. He gives excellent advice on how to do it, if one is willing to follow it. Search your heart. Do you really want that choc. bar?

@Mag1c4lyfe 4 года назад

@@mapssweetblk5769haha that you do. We watch too much Dave Ramsay. Gotta say though, this guy changed my life. *clicks the mute button* hey thanks for the call 😂😂

@djpuplex 4 года назад

Moto g6 unlocked on Amazon with a 15 meg camera less than $100.

@twdjt6245 4 года назад

You a slickdealer too?

@eurekahope5310 4 года назад

We have never purchased a phone over $120 and that phone included minutes/texts and a one year plan. Tracfone is very reasonable. She could probably find a friend who would give her an old phone with a good camera. Many people have extras these days. Dave is right, this is about mindset. Most people don't need an expensive phone and plan unless they can afford it easily. Be frugal now and enjoy the benefits later.

@hj-mr5gg 4 года назад

I had a moto g and the camera was dogshit

@AbrahamsYTC 4 года назад

@@twdjt6245 🤙lol. I just saw this deal pop up too haha. I used to use it a lot before too buying "cheap" stuff I didn't need. Still use it today but on stuff that I'm actually looking to buy

@icecoldfire25 4 года назад

But that's not a new iPhone. Reeeeeeeee

@orlandoducati 4 года назад

She can buy a pixel 2 XL for like $150. Still receives updates and great camera for pictures. She probably just wants an iphone 11 or newer android phone.

@A-Doug 4 года назад

Exactly, I have one and it takes amazing pictures and it's still performs well!

@cameronsantiago3155 4 года назад

@@A-Doug I can sell my old iPhone 7 if she really needs it

@brandonrides8953 4 года назад

Best phone IMO. I'm still using mine and nothing new has caught my attention since. Nothing is really innovating anymore.

@mle011 4 года назад

Next is a brand new mini-van because the car seat and stroller "won't fit" in the 4-door car, and only a new car is "safe enough" for the baby. You know their necks can snap off, Dave, if we don't get a van with headrests!! lol

@jessikalopez4710 2 года назад

"If you fail this test you get to retake it." Is actually pretty hopeful advice. Just because you fail this time (which she is going to do) doesn't mean you have to fail next time.

@0045551 4 года назад

There's an old saying " The smarter the phone the dumber the owner" applies in this case.

@bromulus141 4 года назад

That was hard to hear because I find myself wanted things too. Happy I hear it though, it will remind me of my goals

@cookierepairprojects4544 4 года назад

Yeah and I just buy em and go broke anyway 🤷‍♂️ oops

@joanmart5666 4 года назад

@@cookierepairprojects4544 000pppl

@GamerNRetro 4 года назад

But Dave I need to post these pictures on Facebook and Instagram. Get real lady but we all know she's going to get the phone.

@Rickolee 4 года назад

She's at the store right now buying it.

@pamelag3879 4 года назад

Lol, she could take photos with the camera and upload the pictures on her computer. Then transfer it to her phone so that she can post on social media😁

@takedashingjen4402 4 года назад

@@pamelag3879 ehm... why not post it from tje computer?

@pamelag3879 4 года назад

@@takedashingjen4402 That too. Lol I over complicated it. Don't mind me, I'm just a Gen Z used to using their phone for social media

@wuahwuahwhore 4 года назад

I wanted to upgrade my phone before a concert coming up and I had the money for it. I have no debts. And then my car broke down. $791 to fix it and I still have money to buy my phone. But all of a sudden it doesn’t seem important anymore. It seems more important to rebuild my savings account for the hit that it took. I am still attending the concert and I will still take video & pictures with my phone that still functions. Yeah I might be annoyed that it freezes up and the camera quality is not the absolute best but I have SELF CONTROL and can rationally think when it matters. Lady pay off your debt and buying that new phone will feel much better than! I am waiting another year to trade my phone just to see how much I can save extra for it.

@WoohSteezy 4 года назад

Sesshōmaru’s hoe what phone do you have

@dp4kallday 4 года назад

I wanted some new shoes this morning. Problem is I'd rather pay off my student loan debt instead. Those material things will be there later. Let's get this debt wiped out first! 💪🏽

@wuahwuahwhore 4 года назад

Steezy iPhone 6 I wanted to upgrade to the iPhone 8. It’s $486 minus the trade in value of $100 from this phone

@JFDSmit-rm6tw 4 года назад

To paraphrase a friend's dad: If it can make calls and sms, you have what you need. He's kinda high up in the game ranger training business. Without debt. I think he might be onto something there.

@kimmykim1277 4 года назад

This the part many struggle with thinking rationally like you did kudos

@Lola8165 3 года назад

FYI the “Free phones” are still available in urban communities all over America. Just go to the 98cent store, they are right in front.

@gthebron1 4 года назад

I used to work for a cellphone carrier. A father was buying his kids his first celll phone , he didn't wan't to spend more an a few hundred dollars. The kid rejected it and said if he can't have an iPhone, he'd rather have no phone. I can see this kid calling Dave in a couple years for advice 🤦🏻‍♀️.

@Magerquark 4 года назад

Recently bought a Nokia 5.1 for 130€ cause my iPhone 4 broke and it's more than I will ever need There is absolutely no reason to EVER buy a first generation phone

@jeffkline9191 4 года назад

My coworkers told me I needed an upgrade on my phone. I told them “this is the upgrade.”

@Only2GendersCommonSense 3 года назад

Should've told them, "here's your upgrade 🖕"

@krh948 4 года назад

This is really great advice. Sometimes, we don't even realize we are rationalizing a purchase.

@cripplermaximus 4 года назад

i got a $50 android phone at the dollar store, unlocked it, and it works perfect on Mint mobile. it is so cheap to be completely "connected"

@joemo7384 4 года назад

I'm waiting to see a video where a caller calls Dave, gets mad at Dave's advice, and hangs up. Lol

@fhuber7507 3 года назад

I just bought a $39 Android cell phone. It will do everything I need for 3 to 5 years. I've never seen a reason to spend more than that on a stupid cell phone.

@RiggyRonnie 4 года назад

Dude literally has his pregnant wife working and paying all the bills while he attends school and gets into even more debt wow.

@kevinl4183 4 года назад

In this case, it's practical. Given the intensity of the program(he's finishing), he may be unable to work so having the wife temporarily be the only one working is not an issue. He will come out making 6 figures for surem and should already have a job lined up even before graduation given the high demand on his field.

@5000MikeMaster 4 года назад

Kevin L that’s optimistic at best. You should start having kids until you’re out of debt and well established already

@stevelangstroth5833 3 года назад

"I feel like....." That's says it all.

@EricaWorshipsGod 4 года назад

"I think i have legit reasons why i need to get one." aka...I have an older phone and want one of the new ones everyone else is getting...

@c103110a 4 года назад

Her cell phone is 7 years old and the camera is 10 years old. Each work fine, but she needs to buy new, because of the child. I thank GOD every day that I'm single and I'm 100% in control of my spending.

@VideosOfSumit 4 года назад

so at 3:30, he just mutes the caller and gets on a rant? 😂awesome.

@stephensantiago603 4 года назад

My mom took pictures of us with disposable cameras and still has the pictures to this day 😂😂. She'd have even more pictures if it wasn't for the pharmacy giving some of our pictures to another Santiago family 😂😂😂😂.

@michaelcrouch1779 4 года назад

Y’all are a bunch of trolls. Can’t blame the lady for wanting to upgrade from a 7 year old phone. At least she’s being conscious about it instead of leasing a $1k phone like most people

@droptozro 4 года назад

Used phones do work. I just got one passed down from my mom. I dont care at all to have the newest phones nor upgrade. My first and second smart phones were under $100.

@sharyn4271 4 года назад

droptozro I use Walmart family plan and my phone was $50, which was an upgrade for the camera. 😁

@nilsjohansson9739 4 года назад

This young woman has no person in her life that she can turn to and ask this question on finance. That's the scary part...but good for her to find someone to talk to and Gawd bless that baby!

@gardenofe12 3 года назад

I want a Rolls Royce because I need something to park in the garage. I’m also in $200k in debt !!! 😂😂

@yamamancha 4 года назад

People are stupid. Just call it like it is. I purchased a 2-yr old phone on sale for $125 after my previous phone broke. Even that felt expensive. This lady will call in 2 years saying "we're $250k in debt and need help". And it all started with a stupid phone.

@chartuck 4 года назад

Deprecating items, especially ones that aren't a necessity, should be paid in cash only.

@jessikalopez4710 2 года назад

Do not buy a 350 phone when you have small, accident-prone children (and sleep deprived accident-prone new parents) in the home. Get a $50 phone from Wal-Mart.

@Nonameagain80 4 года назад

50 dollar Wal-Mart phones have all the gadgets that the expensive phones have. And unlimited plans for 45 dollars. And no contract. Why again do people spend 100's or even a 1000?

@OurBelovedBungo 3 года назад

Nobody "needs" a cell phone. We all lived just fine before they were invented.

@ccsmith2937 4 года назад

Wait a year until husband is working as a PA & buy new phones for you both. The discipline to wait for the right time is key. 👍Good luck

@jacobg8640 4 года назад

I am currently 21 years old. I didn't have a smartphone until I was 20! And all it cost was $100 plus the $100 for an annual year of service. I only get 1.5GBs a YEAR. I adapt by turning off data and only using it when absolutely necessary. Once I get out of debt, I'll think about using more data. You don't need to pay that much!

@elizagold2186 4 года назад

Notice how she speaks fast when she doesn't want to focus on that specific area. So does he have student loans? Buy a phone plan from Wal-Mart. Buy a used phone.

@michaelmarquez6133 4 года назад

Google fi, Google network is way better and they have decent new phones from 150 to 300 bucks of course they have more expensive phones too but way better than Walmart

@BaconMountainMan 4 года назад

"I need to spend $350 on a phone because a $50 camera won't work. Been there. :-(

@kevinkidneyy 4 года назад

Haha i mean why not already owe 70k

@JK20239 4 года назад

She wants an iphone X. 1000 bucks. Lol

@Mag1c4lyfe 4 года назад

So then she'll be $71,000 in debt 😆 could be better, could be worse.

@euenfheiejrj 4 года назад

Josh she said $350 though. Am I missing something?

@JK20239 4 года назад

@@euenfheiejrj she said 350 down. And only changed her answer after she was questioned about it....even the title says" financing" aka borrowing big time to buy that "iphone". You really need to finance a 350 dollar phone?

@kevinkidneyy 4 года назад

Josh ahah its not going to make a difference . 70k and 71k same thing

@tamick2000 4 года назад

Yikes. They are already having a baby when her husband isn't working. Babies are expensive so, no to the phone.

@countingchange8677 4 года назад

It would be nice to hear people like herself someday come back for a debt free scream and inform us she didn’t buy the phone.

@Jean-qn4fy 4 года назад

No, you can't get a decent digital camera for $50, but you sure can get one for $100. That's a heck of a lot cheaper that $350. She said "down" on that phone because there will be more tacked on to her payments.

@thekaerichtexas 4 года назад

This is a dumb question (to me). I say buy the phone. Its a one time fee $350 and u make 45k. A seven year old phone......buy the phone its ok. Ppl call Dave for every small thing 😒

@jaya.0069 4 года назад

No mortgage here, no credit card bills, I drive an 8 year old Toyota and use a very dependable flip phone. I have no need for overpriced junk in my life and sleep very good at night not worrying about how to pay the bills!!

@kathaiti 3 года назад

I had a similar argument with my mother a couple of days ago. She bought herself an Apple Iphone for $399, and wanted me to do the same. I told her no because I was happy with the current phone I have. She then proceeded to call me cheap and lazy. SMH...

@beastfromtheeast9318 4 года назад

The thing is when a phone gets too old it doesn’t get supported for updates and it will start to bug out to the point where you want to throw it against the wall.

@meishamom7298 3 года назад

Dave is right! Once you really understand need vs want, you can truly make good decisions on purchasing, which in the end give you more power to become wealthy.

@HangNguyen-ih8rf 4 года назад

I had my 5s for 3 years and my coworkers keep making fun of me. I don’t understand the hype. I wast my money elsewhere...like lotions and potions. Everyone have their own obsession.

@Chinese080808 4 года назад

I gave my 5S away then got a classic Nokia off eBay. Phone still works great without all the toxic distractions! 😉

@bmaiceman 4 года назад

She wants to up grade her cell phone because she wants to take baby photos??????? Go to Wal-Mart and get a digital camera with video for $90 GAWD !!!!!

@scorpionx7044 4 года назад

"People who don't get it, don't get that they don't get it" - This is a perfect example.

@scaldon2 4 года назад

This is the reason people are broke . She doesn't need a new phone . She wants 1 . She can buy a new digital camera for under 100 dollars if she wants .

@jovandraganescu1406 4 года назад

She’s had the same phone 7 years!! Most could not say the same. Buy the phone!!

@biskit7 4 года назад

She can get a phone for 100 bucks , its really the monthly plan thats the problem.. better not pay more than 40 a month

@shandemaio8902 4 года назад

Idk why she called asking this question. If u want to take fancy iPhone pics so you could blast it out on social media go ahead!! But don’t complain later that you have no money. Sometimes upgrading phones ALSO means upgrading cell phone plans which ALSO means it’s going to be more expensive every month. Do your research- compare plans/ phones/carriers against tour reasons why you “need” the phone. Very simple. Stay focused. Don’t worry about what everyone else has.

@TWDxKILL3R 4 года назад

You can get an iPhone 6 (which does EVERYTHING you need it to) for about $150).

@adequatequality 4 года назад

Wait until she hears about the new Airpods Pro....He buddies at Starbucks will be dying for her to get those.

@datacipher 4 года назад

Besides buying a used phone, used digital cameras are incredibly cheap.

@cookierepairprojects4544 4 года назад

Hello dave, I'm In the supermarket right now, should I buy chef boyardee canned soup or great value brand, it's a tough decision for me. Dave; go eat rice and beans till you're debt free

@poet82n 4 года назад

I literally have an LG Stylo 3. Had it for 3 1/2 years. Screen just cracked earlier this year. EVERYONE was telling me to get a new phone. Why? It still works. Since February I have not gotten a new phone. It will now make 4 years since I've had it. I am just now about to get a new phone but it will be the LG Stylo 5....less than $200. I don't have to break the bank. I still have savings and my emergency fund. I am not touching that. Instead...when my screen cracked in February, I put $10-$20 back every time I got paid in an envelope for my phone. Now I'm about to pay cash for it without touching any other funds. I plan to keep that phone for a few years until I have to get a new one. But the iphone?! No...that's a whole emergency savings fund right there. People don't think about the long term consequences...smh.

@garthy4u 4 года назад

If your budget is

@poet82n 4 года назад

garthy4u Thanks. I'll look into that. Life is too unpredictable to keep up with the Jones's and upgrade to iPhones every year. I'd rather have a savings cushion. I was waiting for the caller to make it make since. It never did.

@fsmoura 4 года назад

But, Dave! Have you seen the new Iphone?! It's 1,000 bucks! You can't buy with one those babies without an installment plan! Who can come up with that much of money outright!?

@hurt1704 4 года назад

I had the same problem a month and a half ago while in baby step 2. My phone iPhone 6 finally quit working. I walked into Verizon to see about getting a new phone, they tried to sell me an iPhone 11 Pro for 1100 dollars. I said notta chance and went to a cell phone repair shop and bought a like new refurbished 10x for 400 dollars. It still hurt, but I tried to find the best deal I could.

@Xxpianoplayerx 4 года назад

Use the 350 for diapers lol

@i9incher 3 года назад

I mean, I bought a smart phone out of a box at walmart and it only cost me like $50. Just saying.

@blakeb4583 4 года назад

Bro, I’m recently out of college with little debt, I make roughly $88k per year starting off as an engineer in a low cost of living area, and I’ve had the same iPhone 7 with a cracked screen for the past 3 years because A) too cheap to buy a new screen or phone, and B) don’t see the point of buying a brand new iPhone when I new one is going to come out in a year. You don’t “need” a new phone, you WANT a new phone. That’s why people go broke because they buy all of the things they want but don’t need, but then have no money left over to pay for the things they need/need to get rid of (in other words, debt).

@JK20239 4 года назад

iPhones are a ripoff when you can get androids for as cheap as 150 bucks.

@Wall2000x 4 месяца назад

Apple Iphone 13 Pro Max 128GB (Unlocked) *CINEMATIC CAMERA* good used at&t is $438 on eBay. New Phones are not a necessity.

@dt7099 Год назад

😂😂😂my 100 dolar cellphone works so well she just overspends on anything to look good

@notafan6 4 года назад

So many people willing to go bankrupt for their kids. But so few willing to become rich for their kids.

@101perspective 3 года назад

Most people don't even need a cell phone at all. And even if you want one for emergencies, just get a really old one for free and send it with Visible or some other company willing to exchange it for a new phone for free. I don't think Visible even requires you EVER use their service. Yet, it will still be usable for 911 calls. You can also still browse the web, run programs, etc, using your home or free wifi. The camera and video work on them also. I get that many these days are expected to have a cell phone for work. However, you don't need the latest model for that usually.

@josephwolf7552 4 года назад

On my cheap 150 dollar phone I got pictures of me with the bands Trivium and Cradle of filth. They both came out fine

@jujubee90275 4 года назад

Papa Dave giving her 100 truth.

@domodepiano 4 года назад

Lot of companies give u the phone free w new contract , used phones on Ebay Amazon, cheap good ones

@SoHoDon_718 4 года назад

These females are sick😂... she want a new phone to take pictures 🤦🏾‍♂️

@mroliver3130 4 года назад

Just went to the apple store in my area yesterday to get a new battery for my s.e. 53 bucks later way cheaper then a new phone. To many ppl in there just to get the newest of things. Sad to see

@UmmLeslie 4 года назад

This was a really good Dave Ramsey lesson. Thanks.

@NeoAndersonReloaded 4 года назад

I have a iphone 4s and i make 100k zero debt. I get laughed at but who cares.

@twdjt6245 4 года назад

Now that’s just going too far imo lol I mean if you had debt I’d understand...keep a flip phone if you need to in that instance....but 100k with no debt and ya cant spring for an iPhone 7 or something? Yikes. But I guess if a nicer phone won’t make you any happier, then i suppose it’s understandable, and your choice either way so 🤷‍♀️

@Serafin10CP 4 года назад

Jen Tuesday If it still works and functions OK, why upgrade?

@JK20239 4 года назад

@@Serafin10CP because apple forces you to buy. They upgrade the software this year. iPhones 5 or older dont get the security upgrade

@peekinghills2450 4 года назад

@@twdjt6245 I remember when I had an ipod 4, which had similar specs to the iphone 4. When I got my first smartphone the LG Motion (The best budget phone when it was released in 2012), other than having a worse display, it felt 2x faster than my ipod4. Literally any $50 smartphone released nowadays will be faster than the 4s