“Y’all Are Broke People, Man!” 

As soon as I heard his voice I knew there was a truck payment

Makes $130k and can't afford a $315k mortgage, sounds like a lot more going on here.

I swear "sell the truck" is part of half the calls from guys lmao

My biggest pet peeve with these callers lately: saying your house is “old” (2002 isn’t remotely an old house) so therefore it NEEDED work… but those works are just design updates. Your house may NEED a roof, or NEED a new furnace, or NEED a replaced stove, or NEED mold remediated. You do not NEED to have your worn and unstylish carpet or wrong-color cabinets replaced just because they don’t look like what’s trendy on HGTV. Those are wants, and you budget for them.

Giving this man $100k is like giving a toddler a flamethrower.

"House was built in 2002...very outdated." If the house has indoor plumbing and electricity, then it is NOT "outdated". I think his wife might be high maintenance.

Dave saw his young self flash before him and became irritated INSTANTLY! ❤

Caller is about to be a FATHER. He had BETTER do some serious maturing, and FAST!

Did anyone else laugh out loud to Dave’s reaction 😂?

No amount of money will save these folks from themselves!

2002 outdated? My house was built in 1920 lol😂

I started listening to Dave at 19, I’m 27 now with no debt ( only my mortgage ) two cars paid in full. Stop financing cars that’ll keep you poor!!!

When Dave dropped the pen when he said he used the money to buy another car 😂🤣

I love it when Dave tears into people! These people need some help…

Some people act like it's their holy duty to have debt.

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.

Why would you need 3 cars

I’m confused… why do you need three cars if it’s only 2 persons driving… Who is the third car for? 😂

Dave: "How can we help?" Caller: "In the beginning was the word..." Dave: "What is the question?" Caller: "What should I plan for capital gains on a house and how do I breath on these cars?"

Stop trying to "have it all" immediately. Pay as you go with a solid budget and do not use credit to finance a dream lifestyle. There are a lot of people who feel a need to "renovate to current styles" which is often an unnecessary moving target of desire, with emphasis on form over function. If a refrigerator works, it doesn't matter what color it is on the outside! Luckily you profited on the house sale. Don't be tempted next to get all the expensive, trendy baby items. Just know that being content with less than you make is the goal. Often "not yet, let's save for that" is the best answer. Put more into your relationships rather than in materialistic appearances. Draw a hard line on defining needs versus wants! You will eventually make progress toward your goals, just learn to embrace delayed gratification and live debt free with less stress.

Was waiting for dave to call him honey 😂

@2:25 when he drops that pen😂😂😂😂

When Dave throws his pen down. LOL

Just imagine being the "family friend" who sells you a house below market value and then you cashout and make $77 thousand dollars off the generosity of this family friend. Sorry but that's a scumbag move- taking their equity and blowing on wasteful spending for yourself and you wife. You should have cut them a check for at least half of the profits. Headline should have been "Scammed a family friend out of $77,000"

I swear, people's desire to own a "nice" car is one of the biggest problems they have, No one cares what kinda car you drive. I MEAN NO ONE! Car payments keep you poor, period. Just get a car that safely gets you from A to B for cash. Put all that "car payment" money in a mutual fund or EFT and you'll eventually retire a millionaire. I know it works, because I'm doing it now!

The body language of Dave and John says it all!! They are like ‘man, what are you doing!!’

I’m really shocked you guys spent this much time on this guy. So many people realize they’ve made terrible mistakes with money and really want to change. This person doesn’t seem that serious about changing.

I feel investors should focus on under-the-radar stocks, especially given the present rollercoaster nature of the stock market, because 35% of my $270k portfolio consists of plunging stocks that were once respected, and I'm at a loss for what to do now.

People always twist themselves into knots to justify stupid financial decisions. 'We live an hour from work'... So were gonna buy new cars and run their value down extra fast?

"Thank God it' Friday", Oh god it's Monday"

OMG HE TALKED WITH NO PUNCTUATION!! SHEESH!!!

If I cut my friend a deal on something and they turn around and sell it for a substantial profit I would feel cheated.

What is so special about those "trucks" that people dump bank account after another on them? Why can't they just use a regular car. If you deliver stuff regularly, maybe you should use a box truck?

John is gonna ask the caller if he can Breathe you just watch

I would’ve sold the cars way before the house!

Me watching this and trying SOOO HARD not to judge the boy but man oh man. Dave dropping the pen was a very MILD reaction really

So his friend sold him the house at a discount for him to flip it and make 77k? Lol

Man i love grumpy Dave 😂😂😂

I recently made further purchases. Saving for a market slump is also a bad idea. There are different perspectives on recessions and depressions; we cannot always expect significant rewards; and taking risks is preferable to doing nothing. The bottom line is that by diversifying your portfolio and making sensible judgments, you will accomplish exceptional outcomes. In just 5 months, my portfolio's raw earnings increased by $608k.

I love Dave 😂😂😂 the pen drop

2:25 Dave getting all fired up lol 😅

LEXINGTON, KY! WOW!

when you need a call to feel better about your own situation, this is that kind of call

I miss Dave the savage. lol

So they bought a house they couldn’t afford, sold within a year, so paying taxes on the profits and that best broke even after years worth of mortgage payments, and possible housework maintenance. Mans a real winner.

Yea Navy federal gave me a really high limit. I applied and was denied at first so I got a *VRI TOKEN* , and I was approved for a capital one. The limit was so small lol but I took it and worked on it. Because if that it helped my credit and I believe that’s what made me finally get approved for navy fed with such a high limit. they're still working on increasing the capital one since it was so low. All in all I’m satisfied.

As soon as I heard him talking I knew this was going to be a Charlie Foxtrot!

I love when people call in asking how to get out of debt while keeping their toys. Always gives me a good laugh.

They should have kept the house and waited to upgrade it. Idiots. He's probably letting the wife make all the decisions off of her emotions.

6:05 Dave didn’t exclaim “Congratulations!” at the baby announcement, this time😆

They couldn't afford that extremely cheap house with two incomes? Good grief...

I feel bad for the friend that gave them the house for a good deal. Probably trying to help out a young couple. The friend should have sold the house at market value.

My fishin license was 15 more this year and my wife bought boots the same day with a coupon and the cashier had pigtails and a camo shirt I thought about getting at Cabela's last week...

Listening to this guy after a minute, I wanted to scream “STOP” “just stop”!!!

Man of just a few words!!

How many handouts does this guy get? And still fucks it up?? It won't change

how's that $130k income going to change after the wife has the kid and wants to be a stay at home mother? caller has a kid coming and is worried about extra vehicles.

Truck yeah!

Lit ep

People from Kentucky never disappoint

I know we only heard portion but Dave was a D to this guy

Dave at 2:19 lol.

Amazing, Dave & John never asked what he spent all their money on.

Great video! I have a question, I have two fraud inquiries on my reports that I would like to get removed. I've seen your video regarding this, but Im still a bit confused. So I know my first step would be making a call with the credit bureau (Experian) but should I also make call what time? And would I be never stop sending a good compny *VRI TOKEN* to my friends and people I know regarding any credit situations

How are they struggling making 130k in Lexington, KY? 😂 these people must be living kings 😂

That truck will do it everytime! Haha 😂 gotta have my truck 🛻 vroom vroom!! 💨

CPA here. at 120k income, they're not in the 35% tax bracket, not even close. They're paying like 24ish in their highest marginal rate. The higher percentage Dave always uses is great because it puts the fear of God in them... but they'll have a bit more breathing room than he thinks.

They are not broke, have some cash 30k or so, paid off cars, good income, no rent. I’m confused why are they saying they are broke

I made the same face when I heard "0% down is what we got"

Seems that any title that has the word "broke" in it there is a truck payment in the mix. Still confused how a pick 'em up truck became a status/luxury vehicle.

Dave, We can't afford the taxation.

Be nice , he called for help .

This caller seems reasonable. Nothing really stood out except what he owes on his truck which he could sell or pay off quickly because they have no mortgage or rent currently. He had 30k in savings before he got married. Right after he got married he paid his wife's student loan and car off. They lived in an apartment for a year until someone gave them a great deal on a house. They gave it a shot. Who wouldn't making 130k? Realized they couldn't do it after renovating via credit cards and sold it. He didn't blow the money. He put the 50k aside and called the show because he wasn't sure what to do next. Most of the confusion is because they didn't listen to the caller.

Idk about price, but I'm going with *VRI TOKEN* . I feel that regardless of gains and losses my funds are safe.

His wife is living it up isn’t she LOL

Following dave ramseys advice I owe 35k and will be out of debt in 9 months if I go aggressive! I'll be back when my debt is paid off

Of course this is close to home lol.

My pension is $110,000 I have a side job making 40,000. No mortgage. No CC debt. No car payments. And I still drive my 20 year old Toyota Sequoia.

" Autopsy CSI on Dave " 😂❤

He would have kept going if Dave didn’t interrupt him. 😂

Damn Kentucky

The way he just hang up on him mid sentence XD

You blew your nose in the Willie Wanka ticket🤣. Dave is off on the taxes for ordinary income. He was stating 35%, sure if you make what Dave makes. 😆 They are paying 22% on that plus any state taxes due.

we got $77000 on the house sale and instead of paying off the credit card we went out and bought a new car and got pregnant....

2002 is an old house? So what is my 1908 house ancient? It has real 2x4's held together by square peg nails old growth hardwood floors. The only update I did was replace the Cedar shingle roof and bypass the knob and tube electrical wiring. The basement foundation is three feet thick basalt rock from the local Copper mines in the Keweenaw area.

Remember we all learn from mistakes....

Lol. Very looooong story.

A 30-year 315k loan at 6.25% should have been no problem with a 130k income…and of course he goes and buys his wife a 2nd car the second the cash from the home sale hits their account.

130k, no rent. 37k car debt. 50k in the bank. No need to sell any car. In 4 of 5 months, they can have the car paid off. They are not broke. They live an hour away from their work. And Dave want's them to sell 2 cars? It is not as bad as Dave is making it out to be.

Too much bla bla, get to the point man.

I think it’s kind of funny that before a Dave Ramsey video I get an ad for a $90,000 SUV.

Get to the question, dafuq!

Great time to buy buy now no do the numbers first.

The pen drop.

Can't deny the fact that *VRI TOKEN* has the strongest bet to bring lights back to this industry after we suffered FTX, Celsius, Tera and so on. Sure if they fail it's done for good but the pressure is too high and I think they will keep proper liquidity rather than these others. Don't see them going bankrupt any time soon.

" WE TRIED ANYWAY ." I come from a business family with 2 Masters Of Economics. I failed grade 7 but math is not a guessing game for me. We are retired and rich but if I let this guy try at our finances i will be living in a van down by the river. These people are DANGEROUS .....with money.

Holy. Cow…

In the uk there’s no capital gains taxes on the property you live in 😊

I feel that the last bull run was bolstered by all the money being printed. Major returns next bull run but I think they will be tamer in my humble opinion. A 10x on *VRI TOKEN* is and a 15x on polygon are fair considering how much those two coins are interwoven into the entire crypto ecosystem

he/she was given a gift in the form of the below-market house. if they really tightened the belt, did minimum improvements, they could have rode it out and came out pretty. sound like he married a high maintenance woman.