"Do I Sound Like I'm Going To Argue With You?" 

“We have no debt except for $190k in student loans”. 😂😂😂

I bet that her husband, who is a lawyer, cannot win an argument with her 😅

Jade said it perfectly. People want things they can’t afford, and they don’t want to sacrifice to be able to afford it

"Dave, I own a MLM business and my husband is finally an attorney. But we can't afford to live like his friends do. Please help us."

She does not want advice. She wants permission.

Way to go Dave, first time anyone has ever confronted her.

I'm a pretty tough critic, but Dave is 100% correct on this one. You got yourself into a mess, sell the house, move the equity into your debt and start over. As it stands, your net worth is currently at $0 with the debt matching your equity. Paying off this debt now will only save you the interest payments and give you a substantial bump in retained earnings.

What she may be too politically correct to say is that the City of Portland has let the homeless invade her upper middle class neighborhood making it unsafe. Or put up federal housing smack in the middle of her neighborhood. Happened to me in New Orleans.

She’s not gonna listen to Dave and go buy a $70k SUV instead.

Love how dave is straight to the point also....Lady wants everything!

Thank you for feeding these folks a dose of realty. I grew up dirt poor my mother and father never had much but love was abundant and we knew from early on life is tough she sounds like an entitlement child the world is mean to her. Get over it.

Sometimes I wonder if people just call into the show to brag about their above average income and mask it in a mediocre question.

I grew up in the "hood" and trust me, even today there is not 1 $500k house in my old neighborhood

Dave hasn't heard what's going on in Portland? Many high cost areas are also high crime. Portland is in bad shape.

Dave you’d be surprised. Some areas do in fact have 500k homes in bad areas.

People are living in tents, and she is calling about her rich lawyer husband and $500,000 house. Extremely irritating bragging. Dave let her entitled self have it 😊

It's hard to live in the ghetto. I respect her courage.

I love when Dave directs these ramblers to get to their question.

Living in Portland, Oregon. That's the start of the bad judgment.

My question to the caller would be, "If you have no debt other than student loans and a mortgage, then why can't you pay off your $190,000 student loans in 1-2 years making $300,000?" Seriously... if your house payment is only $1600/month, then you suck it up and live on a "meager" $110,000 income, and in one year you're done with the student loans. Save for one more year after that and you can sell your current home, put those proceeds to your added savings, and move to a sweet home in a great school district with a 50% down payment. * Junior isn't going to "suffer" spending 1 year in kindergarten and then moving to a new school district the next year. Kids make friends easily. He'll be fine. Mama just wants a nice new house in a swanky neighborhood so she can impress her husband's friends' and co-workers' wives. She needs to deal with the fact that she's using her child as a manipulation tool to get what she wants.

“We have no debt other than $190k in student loan debt” 🙃

Having lived in Portland for years, i can assure you there are plenty of bad areas where houses are 500k. Easily half or Portland actually. Look at crime and housing prices in Northeast Portland. Or north. Or out towards Gresham.

I love that Dave wasn't playing with this woman at all, you can tell she irritated him instantly 😂. That's probably the first time that she had ever been silenced like that in her life 🦗.

EXCUSE AFTER EXCUSE AFTER EXCUSE. Keeping her right where she is. LOL. I love people who call for advice and dont take it ha ha ha ha ha ha

I live across the state line from Portland, and YES THEY DO have $500,000 dangerous neighborhoods over there with bad schools.

Dave is very good a realizing when people need a tough love reality check 👊🏽🔥

He was fed up! I don't blame him.

Making $300K a year and they only have $20k in savings. Where does people's money go?

I gotta say I briefly looked up real estate in Portland OR at that price and things are looking rough

You know that you are primed to witness greatness when Dave utters any iteration “Y’all do whatever you want.”

Live in portland.. our neighborhood HS is 75% free breakfast/free lunch.. average house price is $525k in neighborhood. Lots of renters in school district. Guessing she may be in my hood! I volunteered in elementary and middle school and I could not tell which kids were free breakfast/free lunch and which were not. Almost all of the kids were super engaged in learning and it was a really good experience. Our son now attends a top university and we are still in same home.

This caller illustrates the mindset and what caused Portland to be in the mess it is in now.

Dave ain’t taking no sh’t

Batwing where you are in life is a fantastic motivation if you are spiritually in jeck

Median home price in Portland is over $570k. Completely reasonable that a 500k house is in a bad area

Dave is always so insightful .I was really hopeful of my investments this year, but all my plans have been disoriented, I've been studying the market crashes and I realized some investors made millions from the recent 2008 recession and I was wondering if such success rate could be achieved in this present market. and the Federal Reserve taking a more hawkish approach to interest rates and bond purchase tapering. Any recommendations?

I haven't heard Dave get this angry in quite some time. Hopefully she just doesn't go and do whatever she wants as is human nature. Funny, because the call started on a very good note with her paying off her debts. Dave obviously felt very strongly about this because it's very rare for him to recommend that they sell the house.

I’ve been to Portland, Oregon. There is no low income housing in Portland. There are homeless people everywhere. She truly could be in a bad neighborhood in that house.

“If you can’t afford rent in the school district you want to send your child to then you can’t afford a home there either”. Spot on. It’s a short time sacrifice. Go be debt free.

To be fair, I don't think Dave understands how expensive it is to rent today. At the same time, I understand his frustration. The caller didn't seem to keen on taking advice that goes against what she wants to do.

Lol so great when dave cuts thru the BS. If the callers want affirmation theyvshould call in when john daloney is hosting lol

When they ask “what’s your question” and she keeps going down her list of self congratulatory numbers….😅

Melissa did not sell the house.

Just wanted to say that about 30% of all those who make 100K per year or more are living paycheck to paycheck. They are making plans to be a part of this stat long term.

OMG 300k income and up to there eyeballs 👀 in debt😮

Just because you make money doesn’t make you smart. It’s what you do with it, that makes you smart.

I love how Dave can filter through the BS, and knows who calls to hear themselves talk, or call door genuine advice and will actually use it. You can read Dave’s face when they call in and he’s just not having it

It's entirely possible she's in an over-gentrified house in a bad neighborhood. we've got plenty of that in Durham, NC.

As soon as she started saying how much she listened to the show and proclaiming how she knew dave would want to know all her numbers, you already knew she was just trying to convince dave it was ok to be ish

Dave lost patience. I bet the lady still would not take the advice either way

I haven’t seen much of this Ramsey fellow but I gotta say it’s concerning if he’s generally encouraging people to pay off debt that has lower interest than current treasury yields. Her husband’s student loans probably fit this description, and what’s funny is nobody asked. Her mortgage too, but it sounds like she wants to move. You gotta be real bearish to think you’re not going to get a margin by investing instead of paying off these loans. And that’s ok, as long as you’re consciously being bearish instead of having an emotional reaction to a negative number on a balance sheet.

Do what you have to do so you can do what you want to do!! Good Times!!

Love when Dave is hosting!

This show always makes me scratch my head. I make less than a quarter of this ladies income and I swear I’m less whiney

Portland has gone downhill bigtime is the last couple of years, depends on the neighborhood. running a small business has some risk, keep deep cash reserves. husbands' employment is also a factor, if he is new and at a law firm, there is the possibility of large increase, but can go south as well. normally I would not advocate selling the house, but if she is concerned about the neighborhood, then go ahead a rent to see how husbands career turns

“If you can’t afford to rent you can’t afford to buy” so true since that extra you think you are saving by buying is going to go straight back into the house when something breaks.

Hey but that’s a fair question. If mortgage is lower than any rent then does it make sense to rent?

I am surprised Dave jumped on her about the neighborhood. There is a chance a 500k house in Portland is in a bad situation.

I agree with the idea of renting in the school district she wants after paying off the student loan, but I think there was a dismissive nature to her statement about feeling unsafe. There is a lot of antifa activity in Portland and civil unrest and it is expanding to where it affects neighborhoods that used to not be affected by it.

Ms. Bougie was dying to plug her business but he never let her. Did she mention that she has a business? You know she owns her own business? $500k house with $1600 mortgage & $300k income and it’s not good enough? BOUGIE. My guess is she was just trying to brag and it never got there.

Debt doesn’t just cost you money. You pay your debt with your family’s quality of life. Like time with your family, education for your kids, perfect neighborhood and so on. We have just got to decide to avoid debt and teach that to our kids. You think you deserve nice things but you pay with your family. My husband took a pay cut to be with the family more. We were able to afford this because we are debt free. My 07 jeep isn’t pretty but it’s paid for and doesn’t cost my family.

She's a pampered princess.

They do have $500,000 home slums in Portland, Oregon. The neighborhood is called “Portland, Oregon.” I’d want to get the absolute hell out of there if I were her too. That said, her mortgage is low because it has the old interest rates. That’s going to get worse regardless if she rents or buys. If they move, they’re stuck on that front, so it’s not a factor.

He’s clueless about Portland and housing prices…. Most definitely 500k is still a house in the ghetto there

She doesn't like the area, so what's the problem with selling the house? That frees them up from years of paying student loans and puts them in a good position to decide where they want to live on a great income. What stopped them from doing it the first time? I'm wondering how much her side business is bringing in with 2 young kids. Attorney could probably cover 90% of things.

He’s giving her great advice. She might be paying more on rent monthly, but she will no longer have the student loan payments, or the extra interest that she’d be paying on them in the long run. It won’t take them any time at all to save up a down payment for a new house.

Kevin Samuels said it best: “You can’t make this s**t up!!”

500K house in the ghetto. I'd like to see that. 😂😂

I live in Portland. Unsafe area and bad schools. No S*’t….? 😂😂😂

Some parts of Portland are a hot mess right now.

Dave lost his patience very fast. It was when she sails they have 20k instead of 1k that he was already mad.

I probably would NOT sell the house because with their income they could knock this debt out in 2 years or less easy.

Portland. She might have a homeless drug den encampment on the sidewalk outside her 500k home.

Cities can be very expensive. We live in Philadelphia. Plenty of neighborhoods here have $500K houses with terrrrrible schools and pretty high crime. And Portland is about twice as expensive on average. I mean, literally 1 mile from us is a neighborhood with enormous houses where very few kids are meeting proficiency standards at the elementary school. Now granted, there are MUCH cheaper houses in much worse neighborhoods. But it's still a city with city things happening almost no matter where you go. I say this as someone who has personally in the last year witnessed with my own eyes a shooting on my block (plus we had 3 around the corner that my neighbors witnessed), and a car jacking immediately in front of my front door in broad daylight in a somewhat pricey area. In our prior apartment, we overlooked a busy street and a parking lot in an area with a good school and expensive homes and witnessed frequent parking lot brawls, domestic abuse (in public!), and the like. In our 5 years here, I can name several friends who have been victims of crimes in neighborhoods that are not dilapidated, and our network is not that big! She probably does not live in the worst part of the city, but it is still highly believable! She should be honest about others who have it worse (we are super thankful for where we do get to live), but she also does not need to be ok with crime or bad schools in her neighborhood. I do agree about renting in a different neighborhood if needed to have a good school. We rented for 4 years here (plus the prior 9 years everywhere else we've lived, including the San Francisco Bay Area) and were finally able to get a house just recently. $300K is a large income, even in Portland. On $300K, they should be able to pay off those loans and save up for a new house, even in an expensive area, within 5 years.

Kids of ALL ages hate to be told "no,you can't have your way".Some kids are senior aged.Still don't tell them no or your get a fight every time.

As someone who recently moved out of SE Portland OR to Bellevue WA homes in Portland definitely hit the 500-600k mark that are in the hood. A grandparent of mine recently sold her home in felony flats (SE Portland) for over 500k

I live on the Portland area. And $500k home is the low end here. Especially Portland. I’m guessing she lives in the Milwaukie area, which is rough

You’d be surprised. Don’t know how it happens, but in Portland you can be in a 500k house in an unsafe area. I live here. Rents are also astronomically high. I wouldn’t sell the house with that low of s mortgage. I would just attack the student loans

But I want it now

Has selling a house and going back to renting ever worked for anyone?

This proves Dave doesn’t understand housing prices anymore

BAM! The best episode I have EVER watched! "It has to make sense" Methinks Melissa is not going to listen.

Yes renting now is a great idea it’s not like that’s inflated to all time highs and keeps going up 😂

Sell the house and move out of Portland. The city is crumbling and is a disaster.

I need advice, but I'm going to do what I want anyway.

😂😂😂😂😂 yeah, people call here because they want to be the first to break Dave!!! 😂😂😂😂😂😂😂😂😂😂😂 love it!

Update: she got a HELOC for the $200k in equity and bought a $987k house she couldn’t afford in a Portland “middle class” community.

have you seen Portland lately? lol slums can be an understatement. btw why has Dave recently been getting testy faster and faster lol ?

A $1,600 mortgage is a dream and $300k income is amazing. Why would I change that for a possible $3,000 rent.... that doesn't make any sense. The Ramsey show gets pretty defensive when something doesn't align with their baby steps. On the other side of the equation, people need to get over the whole private school thing. A parent who spends time with their child at home is way more valuable that any big name private school.

Not sure why everyone is dissin' on Melissa. She just wanted to know how to get her kid in a better school but try to keep her house.

I did a quick homes for sale for her 500k in Portland Oregon and these are small homes and only a few are decent but Dave is right you can't have it all

Melissa will be fine. At one time or another all of us have been at that "can't see the forest for the trees" intersection of life. Sounds like she's doing well as a sole proprietor, so she's got that going for her.

She said… Gurrllllllll 😂

"I live in a rough neighborhood" "My house is $500k" Get a grip woman. She's 100% concerned with appearance and disconnected from what an actual bad neighborhood looks like.

$500,000 slums Dave, please go easy on her! 😂

Sometimes he’s wrong. You’d be money head putting kids in private school and keep you lower mortgage and use what money you have left to pay off school loans. Rents are crazy in Portland

I have over $300,000 household income as well and 0 student debt. I paid it off 15 years ago, but it was only $50,000. What a complete waste of money those degrees are! I went to school for chemical engineering and work as a program management leader in the medical devices industry.

Why did she call? She clearly objects to his advice and she sounds like someone who only hears herself anyway.

Maybe Dave has been to Portland before -BUT GO THERE NOW! I live in Salem (45 mins away) and Portland has become a total nightmare! I would NEVER live there with children, homeless will break down your door and move in, needles and all.

I get what she’s saying about rent vs. $1,600 mortgage. I live in Salem, and 5 years ago we rented a small 3-BR house for 1,500. Prices in Portland were higher. Now that same house probably rents for close to $2,000. I think Dave should have done some math with her. Yes, not having a mortgage is great, and having paid-off loans is good. And there are parts of Portland that are just nuts right now, thanks to a lot of things.