Am I Being Too Serious About Paying Off Debt? 

The best advice I ever heard Dave give was that it was better for the couple to be United than for one person to be extremely on the plan and against the other person

Take 5 days off every month and do it in 7 months, you guys can do this.

I've always said you have to live a balanced life cause tomorrow isn't promised

"when they're not in school" is this guy for real, she's working full time and doing 100% of the housework and child care. Make the 6 month plan an 8 month one and take some responsibility for your share of the housework and child rearing or you're going to be cash flowing the costs of a divorce lawyer before the 6 month plan is done.

She’s literally doing two jobs at once while being at home all of the time. I understand her frustration

If I were her and knew how he was going at this… I’d encourage him to keep it up and get the house paid off too. Then you could go hard into funding retirement, while also being able to relax and enjoy life.

Credit scores are just a form of federal control, so if you want to continue living a good life? it’s important to have a high score. My house and vehicles are paid off, I have one Visa card for all purchases, which gives me air miles, and I pay it off monthly, but my score bounces between 800 and 820 without changing any of my patterns, so it’s manipulated for some reason. *VRI TOKEN* made it stay at that range and getting it up

With that level of debt and timeline, what costs more is his time with his family.

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I have become a little obsessed with paying off my house. I admit I have totally stopped doing anything to spend any money!! I want that last 43k gone! I don't want to retire with a mortgage. I only got a few years left to get this done.

She is not on-board.

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I used to throw Christmas open houses for friends, relatives and church family. I made oodles of cookies, breads, homemade candy, etc. And of course had to clean the house (my ex never lifted a finger to help with housework in the 13 years we were married). At this point I was also working away from the home and we had two kids. So I tell my husband that the driveway needs shoveled could he please do it. He tells me he will only shovel the driveway if I help! I was so mad that he expected this of me, that I went out and had 3/4 of it shoveled before he even got 1/4 done. So we have a great party and lots of people. As things we winding down, my friend's husband went into the laundry room and came out with a broom and started to help clean up. I could have cried. I hadn't asked him to help, but he knew. I think the men in the people we knew were much more aware of how badly he treated me than the women. Anyhow, you wife has asked for your help, you need to give it to her and be sure you are available. These kind of parties can be a lot of work, especially if the wife is doing most of the cooking, etc. Be sure you aren't scheduled for work the entire day of the party in case she needs you for other reasons like going and getting a bag of ice. Those sorts of things, making sure if she needs a nap, that you are taking care of your kids. Then maybe taking her and/or the family out as a date/family night out so she doesn't have to cook the day after the party so she gets a break. You do those kinds of things to help her, she will be your best cheerleader in bringing down this debt.

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

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

They'll miss you at home. They won't miss you at work. Tomorrow is never guaranteed. There are more important things than making money. Be sure to make time for the people in your life and the things that make you happy.

Wow, he is working a lot. Please slow down a little sir, because you sound like it’s not healthy. I get it, but 24 hours working a day. Help your wife a little, you need to listen to her some. Because you’ll be debt free and divorced.

Much respect to this guy going above and beyond to get family in a great spot! Great advice to! So many people I talk to think this show is cut everything out of your life and be miserable when they never even listen. This is a great overall clip what this shows all about 💪

She needs to get on the same page as him. It’s only 6 months. You can do anything when you see the light at the end of the tunnel

This is the best video I’ve seen on this channel!! Keep it up you two

I would trim back the Christmas party. It's because that would be acknowledging my husband's unbelievable effort to get us out of debt.

This was a fantastic call that I needed to hear.

The sustenance of the U.S. economy heavily depends on ongoing credit and debt generation. With the Federal Reserve anticipated to boost the money supply, it is likely to result in additional debt accumulation for the average American. Simultaneously, foreign nations persist in desiring the U.S. dollar, despite their own economies encountering considerable challenges, some surpassing those of the U.S. These circumstances prompt concerns about who will ultimately shoulder the repercussions of these economic dynamics.

My husband is a paramedic, the hour are intense and erratic. For me, if I know my “no” matters for over time, vs my “no” doesn’t make a difference - that’s the kicker to me about extra extra hours. That’s not me trying to be manipulative, that’s me wanting to know me and the kids are the priority, not the job. For the record he now does MORE overtime since we’ve established that priority sequence.

Throwing a holiday party is not an "emergency."

I’m an outlier here I guess. He and his wife had a lot of fun running up this debt, driving vehicles they can’t afford. She needs to suck it up. Stop being a whiny baby. He’s working all the time, her lift is to pick up his share of the housework.

“I’m going really intense…and I owe $X on my truck.” Come one, you’re a teacher, not a rancher. Get rid of truck. It’s a vanity item.

My heart goes to the entire community for *VRI TOKEN* building up something even my grandpa can understand. This is so smart by them to launch it to shatter the doubts and fears of the common folk which is not even correct to begin with. Everyone knows the state of inflation and recession now and the way out is already in progress. Now it's just about catching the big fish

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.

No way Dave would agree with what they said lol

So she takes care of the kids, and work from home at the same time. And he works all the time. He is going over board by wanting to work all the time. Family comes first. Their regular income is good at 110k. He is 100% going overboard. If he keeps doing this. He won't be married any more.

I have about 500K invested plus a house. No debt. I make about 120K a year. I am single no kids. I kind of get this guy. My issue is spending money. I want to take a vacation, but I keep seeing the numbers will go down and I start to panic. I am not complaining, but it can be difficult to spend. I get a panicked feeling at seeing my balance go down even a little.

Not in this case, but it's always sad to see people not able to think for themselves. The caller just wanted to confirm what he was thinking, but as Dave says, his name has become a curse word in some households. It's the mantra of, "gazelle intense". If the plan is going to take you two, three, four years, it's OK to add a couple of months to the end of it. This plan is a guide, it's not gospel. Intensity does not mean insanity.

His over working will crumble the family structure. This is one of the concerns I have with the gazelle intensity plan. Maybe he can take every Tuesday, Thursday and Sundays for family.

Jade coming in with the fire advice in the last 30 seconds. Will 100% be using that!

This couple is not in bad shape financially. Pay the vehicles using normal payment schedules. Focus on the credit card debt and then get the family loan paid off. Family dinners and get togethers, family vacations, spending time with loved ones, etc, etc, are what makes life worthwhile. This guy brought Ramsey into the house and put him in front of his family. In all things, moderation.

Can't deny the fact that *VRI TOKEN* is the strongest bet to bring power back to this industry after we suffered FTX, Celsius, Tera and so on. Sure if they fail it's done for good, but I don't see that the biggest tech company in the world would put everything at risk just for that.

I hope she doesn't have an affair. Her husband is missing in action too many times.

Sweet Jesus. Thank God Dr John didn't hear this call. He would of questioned the poor guys manhood.

I started crafting to make extra money and my husband complains about the time I spend doing it while not helping to increase our income so we can have room to move in May. I completely understand how the caller feels.

"Me and my wife". Out of the mouth of a high school teacher.

Caller: I'm working my tail off extra hours to kill our debt. Jade: Take a few nights off. 😮

I wonder how long he has been going at it and how much debt they had when he started aggressively working to pay it off. If they just started then maybe they weren't on the same page.

Everyone in this comment section knows if this was a woman calling, they'd tell her to ignore her husband and " you go girl"

They need to look at the spending decisions that got them into that financial mess. Esp. $15k cc debt. If they don't change their underlying spending habits they'll end up in the same situation.

I’m a woman and I’d much rather have a date night with my husband than go out with girlfriends. I also learned, we don’t know everyone’s situation and I need to tip more when I get delivery! Great call!!

No such thing as too intense, sell the kids next.

Ok den I like how they gave marriage advice and finance at the same the same time

It seems like he's trying to earn his way out, when they could probably just cut more costs and not have to work extra jobs.

they need a date night. debt free then a divorce...isn't freedom.

Yeah you making 1k invest into something that gives an average 2.9% yield, that would take nearly 30 years to cover that initial 1k, Assuming your investment would grow, how long does it take to actually turn that initial loss around? Of course you can continually increase your investment but then you have more money you need to earn back. Do you simply have that dividend put back into the investment to compound the growth? That's why *VRI TOKEN* is the best

Credit scores are just a form of federal control, so if you want to continue living a good life? it’s important to have a high score. My house and vehicles are paid off, I have one Visa card for all purchases, which gives me air miles, and I pay it off monthly, but my score bounces between 800 and 820 without changing any of my patterns, so it’s manipulated for some reason. *VRI TOKEN* made it stay at that range and getting it up

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

Deep breath, Steven. You got this.

Wife can kick rocks

I would love for the Ramsey team to advocate for taking a once-a-week sabbath even when being gazelle intense. I think the principal is important to relational, spiritual, and physical health, even if not a legalistic interpretation of it.

Live in a balance. Pay the credit cards and your in laws. Once you are done with that just pay your car payments, maybe add some extra cash but you should slow down. You are going to get burned out. You are missing precious time with your children that never comes back.

I wanna let you know that *VRI TOKEN* made it this year. What better way to start a global change? Don't get me wrong I know they are not like altruists or something but they keep doing the right thing to improve the situation, power the ecomonmy and so much more. We need players like them and we can always jump in the train at good spots such as this one

Ken and Jade are fine people but my gosh they make an absolutely atrocious duo. The ratings have to be dramatically different on the episodes where Dave isn’t on.

The guy is just looking for permission to not be gazelle-intense. It is supposed to be hard but short-term.

Welcome to America 2024. $110k a year = need a side hustle. It’s not enough for a family of four anymore . These people don’t even have expensive vehicles.

Women needs to get off it. She is at home he is working 24/7 for her. Keep the house ready woman that's your job.

I bet she’s not on board. She’s an anchor. Flipping parties can wait, grow up madam.

He should continue the intensity until vehicles are paid and then he can let up a bit.

Honestly i understand her frustration, buuuttt, I’ll definitely hold on for 6 months to be debt free.

This is good advice. Stop the rigid thinking and be a bit adaptable to the various factors.

It sounds like she is saying. You wont let us do anything? Does that mean that she is not your team player?

Maybe i just have great guy friends, but none of them except for one has had these money problems until they got involved with a woman. These money problems 99% of the time stem from the shallow woman.

You can never be too serious about clearing debt. It’s a must, not a choice. It makes you feel so free!

Doesn't Dave say stay on beans and rice? This is very contradicting

cheaper to fight debt a couple more months then divorce costs

Don't let dave see this ken lol. You're going to be in trouble.

I think the thing missing here is they're not in the same page budget or finances wise. He could let up a bit, pay off the debts and get right back in the hole again.

This is very interesting to me in the perspective of debt because i don't like treating years like they're currency to spend not enjoying just for your future even though that is important in this short life i think everyone needs something in the present to enjoy & keep them grounded.

Equally yoked is a real thing

Ive been working like crazy the last 2 or 3 months 70 to 80 hours a week, trying to pay 50k in vehicles, windows and 2 boat loans. Cleared one boat loan, windows paid, and have enough to pay 2nd boat by the middle of next month, now i feel odd when i dont work 7 days a week 12 hours a day, gonna finish the debt hopefully by April then slow down to 48 hours for the summer to enjoy the boats. Getting tired, oh yea ill be 63 in April 😮. No CC debt.

Making all this extra money puts them into a higher tax bracket…. Are they prepared to pay more in taxes ( taking less $$ home)? Are the extra hours worth the extra paid in taxes? I’m asking because I’m picking up overtime to get more $ to pay off my debt. But, there is a threshold where I actually pay more than half to the govt. The extra hours aren’t compatible with the take home/ tax amounts…

I asked my wife what she thought about this... She said "Cancel the party" lol. Knock out that debt before summer vacation and go do something nice to celebrate.

Yes Ken teamwork!

Man to man?🤣🤣🤣🤣🤣🤣🤣. One man short

What Ken is saying by taking a day or two off to help her is not going to solve the problem because it sounds like they've lost respect for each other by what he said at 1:45-2:08. They need marriage counseling and each need to earn the respect of the other because respect is something that's not given, you have to earn it.

Party is not an emergency

The ‘almost 40,000’ is BEFORE tax. Makes a big difference!

Wait until he realizes that saving money is more torturous as paying debt and the next 3 baby steps are all about saving. Oh, and as an added bonus, it takes forever to save money. Gonna be so fun for his wife!

Sounds like the wife is why they are in debt. Tell her to get with the program.

I totally disagree. Totally disagree. You busted out for six months so that the marriage suffers last and went to six months is over you celebrate for a month and then you get back on it and create that family that you and your wife deserve.

The food delivery job is the perfect side hustle to throttle down when some family needs come up. They are on a good pace and can afford to lose some of that to make life less stressful. Good trade.

He could take one night a week to help out at home. Tuesdays and Wednesdays are usually the slowest on food delivery apps.

I'd draw it out to an 8 month plan. Maybe even 9. Name one night. Week to be home.

As the old saying goes, if momma ain't happy, ain't nobody happy.

Take a year instead of 6 months and don't lose your family over it!

"Christmas Brunch that's coming up"? I guess this is an old call?

He's working himself to the bone to take care of his family, his wife is unhappy. Can't ever make them happy!

They aren't drowning in debt and the kids need their dad and the wife needs her man. Cut it down to one side hustle.

So "WE" can clean the house??? WTF!!!

Ken should stick with career advice

Oh I so want to do a reaction video to this

Glad this call wasn't taken by that other "are you safe" guy