I’ve Kept My Wife in the Dark About Our Financial Situation

Просмотров 85 тыс.

% 1 496

💵 Start eliminating debt for free with EveryDollar - ter.li/vbjdm5
📱Download your Ramsey Network app today! ter.li/4ccdfr
📞 Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET or send us a message - www.ramseysolutions.com/shows/the-ramsey-show/email
Explore More Shows from Ramsey Network:
🎙️ The Ramsey Show ⮕ ter.li/rqwdws
🍸 Smart Money Happy Hour ⮕ ter.li/tmj3vq
🧠 The Dr. John Delony Show ⮕ ter.li/s5yazz
💰 George Kamel ⮕ ter.li/dc2gee
💡 The Rachel Cruze Show ⮕ ter.li/a6emrr
💼 The Ken Coleman Show - Highlights ⮕ ter.li/v8n4u8
📈EntrLeadership ⮕ ter.li/g7s9g0
Ramsey Solutions Privacy Policy
www.ramseysolutions.com/company/policies/privacy-policy

Опубликовано:

7 июл 2024

Ссылка:

Скачать:

Готовим ссылку...

Добавить в:

Мой плейлист

Посмотреть позже

Комментарии : 484

@user-xc5es2ut7t 8 дней назад

Seven years ago, I took Daves advice "Live poor so your dont have to live poor". IT WORKS!

@philsanderson7024 6 дней назад

And then a funny thing happens: You've been living poor (more accurately - frugally, intentionally and disciplined), for so long that once you do pile up some cash and no longer have to, you grow accustomed to being careful with money and not caring about impressing your neighbors.

@Wolfhaliey 5 дней назад

I did the same thing I had a car that was paid off sold it got a $5000 car and paid off my wife’s debt and there’s been a massive lifestyle difference. to the point to where we can now afford $600,000 home and it’s still hard to realize that to be honest

@travisbickle1455 8 дней назад

Great example of what Keeping Up With The Joneses does to you.

@poolmilethirty2859 8 дней назад

Especially when the wife's in the dark about the finances. She alone will bankrupt the family. I've seen this happen with couples I know.

@StoicJohny 6 дней назад

@@poolmilethirty2859 exactly, he will keep rolling this debt around and in his mind he will fix this before his wife ever notices, meanwhile, she doesn't know how bad it is so she will want vacations, dine outs, etc etc, meanwhile the debt will continue to grow, he will get resentful, she will feel it, and so on so forth, it will not end will unless he comes clean now

@kylequintana 6 дней назад

Beat me to it! Exactly, trying to look good to other people. I’m sure I would be shocked at how many others are doing the same thing

@poolmilethirty2859 5 дней назад

@@travisbickle1455 we but things with money we don't have to impress people we don't like.

@richarddonald-gc9rb 4 дня назад

I’m a new dad, I moved from Tampa to Santa Clara a few years ago and I’m thinking of purchasing a single family home there, but with real estate prices currently through the roof, is it still a good idea to buy a home or should I invest in stocks for now and just wait for a housing market correction? Looks like NVDA, TSM and AMD and AVGO are strong buys this week.

@zoebakker5211 4 дня назад

it’s a personal decision, but according to Forbes, housing activities will remain stagnant for the most part of the year, so maybe hold off a little.

@karenwilliams9653 4 дня назад

well you could put a downpayment on a home and as well diversify as much as you can into Ai, energy and big pharm. stocks like Pfizer and JnJ, ASML, MLM and S&P 500 ETFs.

@lisaMauer-sj5el 4 дня назад

Certain ai companies are rumoured to be overvalued and might cause a market correction, I’d suggest you go with a managed portfolio, but even those don’t perform so well, so it’s best you reach out to a proper fiduciary to guide you, that’s what works for my spouse and I making a whooping $738k in Q4 last year.

@richarddonald-gc9rb 4 дня назад

I'm an art collector, this is not very new to me but has a nuance to it. Can you assist me? how do I find a fduciary

@lisaMauer-sj5el 4 дня назад

monica mary strigle, you'll be in luck at this time of year to have a conversation. lady is hot topic in downtown manhattan and you must not be and accredited investor. Just browse.

@eringilligan8308 8 дней назад

That IRS debt needs to be first.

@jasonrodgers9063 8 дней назад

Indeed!! NEVER mess with the Gestapo!

@BlueDauntless 8 дней назад

It needs to be addressed first, definitely. Set up a plan with them. And then in the debt snowball it goes.

@katemiller7874 6 дней назад

You can get on a payment plan with them. Credit cards first

@GrandMa-hm5mb 8 дней назад

If this man died suddenly, imagine the mess he left behind for his wife. Their response to his mess really irritates me. This is financial infidelity all the way. He's lied to his wife for years.

@francismarion6400 8 дней назад

She needs a big life policy on him.

@jgjg3848 8 дней назад

She also stuck her own head in the sand. She's an adult who has no idea what is going on in her own financial life. She's equally responsible for not being involved. Does she not see the mail, the bills, the IRS letters etc?

@kentuckyjim5108 8 дней назад

She should have one regardless because of his dangerous profession.@francismarion6400

@clarifyingquestions 8 дней назад

Why is his wife content to be in the dark for the very reason you brought up in your comment.

@TonyCox1351 8 дней назад

@@clarifyingquestionswe don’t know that she’s in the dark, he might be telling her everything is fine. Sure, she should be asking for more details, but if your partner lies about your financial state then they take the majority of the blame

@Maddie-lv5sg 8 дней назад

I chased stuff and showed off my entire life. Ultimately, I could not get rid of the things I purchased for a dollar. And all the friends I tried to impress were nowhere to be found. So...do not make this mistake folks.

@user-lf2lf6wy4z 8 дней назад

A couple of decades ago 'consumerism' was pushed - big time.

@coolaunt516 8 дней назад

The best, the kindest, most generous thing you can do for a spouse is to let them know what is going on with the money you share. If death or divorce parts you, the survivor will be miles ahead in going forward in his/her life.

@StevenSsamba 8 дней назад

This guy possibly grew up poor and envying others as an adult. Then he went all out upgrading his lifestyle. The cool thing is he is looking for help. I wish him all the best.

@Math-Tulane 7 дней назад

That’s quite a classic common occurrence.

@charlottepeukert9095 6 дней назад

I don't like that people critize him so hard. He has some insight. Nobody's perfect. The only inexcusable thing he did was not telling his wife upfront what his situation was and is. She's in it with no fault of her own. In not telling her, he's living a lie.😢

@rickenbacker472 8 дней назад

Live within your means, folks.

@user-lf2lf6wy4z 8 дней назад

Actually, live BELOW your means

@sct4040 5 дней назад

Go beyond that, live below your means. So, you have some money to invest.

@MisterNightfish 8 дней назад

Imagine making 180k and you still can't live on that. Sorry, got zero sympathy for people like that.

@LEP021085 8 дней назад

San Francisco/san Jose enters the chat

@nothing-oj1sz 8 дней назад

Not so simple. Depends on where you live and the standard of living. You don't seem to be a deep thinker.

@pookysboutique 7 дней назад

@@nothing-oj1szUm, he’s from Columbus Ohio…Midwest cost of living…

@canton444 7 дней назад

80-90 hours a week, a lot of overtime. This guy is essentially working 2 jobs.

@chrislanejones 7 дней назад

One of the best comments, I know people who live in Columbus that survived off pennies. He must be hiding ladies of the night and gambling too.

@floydestelle6242 8 дней назад

I was only child, mother raised until she was involved in car accident at 12, passed around to relatives for 3 years, then mother on SSDI, and was poorer than dirt! No education, but more common sense than 99.999999 percent of people. Married 45 years, 3 college grads daughters, bought 7 houses and sold 6 houses, house paid off. IRA in millions. Didn't live by the Jones, lived well, but went 30 years with 5000.00 cars, drove them 250,000. No boat, no 4 wheeler, no snowmoblies, no motorcycles. Now i'm retired and living the life!

@noahbraga1665 6 дней назад

Cheers to you sir, your story is one of the finest examples of what anyone can achieve here if they got the character to make it happen.

@PhilipMarcYT 8 дней назад

Dude, do not spend money you don't have!

@miketheyunggod2534 8 дней назад

Things come up and sometimes you need to.

@rickenbacker472 8 дней назад

@@miketheyunggod2534That's why you have an emergency fund.

@289Mustang67 8 дней назад

@@miketheyunggod2534 He "needed" a travel trailer? Doubtful.

@joefunk76 8 дней назад

Dave wouldn’t be a billionaire if advice like that worked on anyone who needs it. 😂

@pookysboutique 7 дней назад

@@miketheyunggod2534Not $470000 worth…

@jameywallace5133 8 дней назад

I need Papa Dave to take every call from this day forward

@otrebla8944 8 дней назад

😂

@sasukesuite1 8 дней назад

Another episode of “What would Dave say” incoming?

@bigphilly08 8 дней назад

Solution: sell what you can, and do the baby steps

@robloxvids2233 8 дней назад

Dave is awful now too. Kamel and Jade are the only good ones. They should start their own channel.

@bigteeist 8 дней назад

Amen 🙌🏿

@todd2456 8 дней назад

"Rachel just nailed you really well." - Ken Coleman

@jasonrodgers9063 8 дней назад

!!!

@Dbeaves2493 8 дней назад

Travel trailers are a COMPLETE waste of money. Especially when you dont have any money

@KSMO1031 8 дней назад

I used to camp a lot. I would see guys pull up with a new fifth wheel pulled by a $100K dually. Making payments on everything.

@dennisd9554 7 дней назад

He'll probably be lucky if he breaks even selling it. They depreciate so much the second they leave the lot.

@tyler75682 7 дней назад

He probably uses the travel trailer for work. If he’s a contract lineman, they use travel trailers instead of hotels. I know, because I’m in the utility industry.

@houseofgrindgaming3448 6 дней назад

@@tyler75682Thanks for some firsthand info. Refreshing to hear instead of the normal 'I know everyone's life better than they do' crowd.

@mathematician1234 5 дней назад

I had to use Google to find out what a travel trailer is. I have seen them, but I did not know that is what they are called.

@m.alnisamcconico8689 8 дней назад

Talk to your wife; list your debt; snowball payments; rice and beans, beans and rice

@BREEZYM6015 8 дней назад

Franks and beans. 😂

@butimbobbywitdatool 8 дней назад

Not even rice, just the beans at this point.

@HOLDXSTEEL 8 дней назад

Dave is that you???!!

@danieldoucet9121 8 дней назад

Unless there was a prenup, it's her debt too. What a douchebag.

@cheekychipolata 8 дней назад

No seasoning.

@trainboy192 8 дней назад

You have traded time with your family so you can have stuff . Now you suffer the consequences until you pay off the stuff.

@fenomfangx 8 дней назад

I feel for this guy, half a million in debt, two young kids, about to be divorced...

@GoldCountryTrapping 8 дней назад

Yep. Honey, you know how you thought I was rich.......Shes gone.

@rezlogan4787 7 дней назад

Every man looks like a winner until you look at their debt. It’s make believe success.

@user-mf4gz3sp1q 4 дня назад

...said some ignorant bitter idiot on the internet...

@TRC19999 8 дней назад

This dude needs a humility lesson. He is spending what he doesn’t have.

@jackoats50 8 дней назад

IRS DEBT is the biggest problem, pay it or get on an installment plan quick.

@stevenporter863 8 дней назад

That is what stuck out to me also. Surprised they didn't prioritize the IRS.

@lindsay1989 8 дней назад

How come?

@spatty2589 8 дней назад

They didn’t seems to hear that he owes the IRS!

@stevenporter863 8 дней назад

@@jackoats50 How come? They can garnish wages and have basically unlimited authority to do whatever needed to collect. Other debtors have laws they need to comply with.

@TonyCox1351 8 дней назад

I’d say this guys brain is the biggest problem. He could have that IRS debt settled in 2 months at his income. But he’s going to need a rapid personality change for that to happen

@289Mustang67 8 дней назад

Debt consolidation doesn't fix the underlying problem. There are too many people who don't understand that.

@Gmenpg 5 дней назад

Ya but… first things first. Then he can do some therapy and figure out why he did what he did and doesn’t do it again.

@vilmamaritz8265 7 дней назад

He has to share this with his wife. They need to be partners and have to tackle the debt together.

@James_Hough 8 дней назад

Bad news- if you want to get out of debt, you're going to have to keep working a lot...for a long time. The long term goal of working less is great...but it is a loooong term goal.

@BREEZYM6015 8 дней назад

I only work four days a week at 40 hours. I'm very fortunate.

@TonyCox1351 8 дней назад

I’d much rather work 40 hours a week and live in a modest house with no travel trailer, then be like this guy and work 60-80 hours and never see my kids

@user-lf2lf6wy4z 8 дней назад

Fortunately, he probably has a pension and doesn't have to come up with the money for that too

@James_Hough 7 дней назад

@@TonyCox1351 I agree. That's why it's a better idea to stay out of debt to begin with, but this guy is there and there is only one realistic way out.

@keith-kb1zl 7 дней назад

you can try to beat the concept into these peoples heads that they just need to flat out quit spending money they don’t have , but the reality is they aren’t willing to live minimalist lifestyles. they’ve lived the filet mignon lifestyle too long , and won’t downgrade their lifestyle, especially if all their friends are living large.

@bryankovar2930 8 дней назад

They need to start these conversations with " are you stupid?"

@mistiinseattle 8 дней назад

Its her responsibility too... no way she did not know all the money being spent and stuff coming in was not possible on his salary

@gooserich3970 8 дней назад

So most of these dudes pulling trailers and motorcycles with their big 100k trucks are mostly in debt🤔

@alinatamashevich3354 7 дней назад

Only 99% of them

@user-lf2lf6wy4z 8 дней назад

IRS needs to be paid FIRST. It's only 8,000 - could be easily done with his salary

@kaythegardener 7 дней назад

How could she NOT KNOW, about his income & expenses, if she signs the joint returns?? Doesn't she realize that SHE is also responsible??

@kathleenhillier6765 8 дней назад

Make a family budget based off the income at 40 hours a week. Everything else goes to BS 1 - BS3.

@JSICycles 8 дней назад

Get rid of the RV. If you’re working 60-80 hours a week you’re probably not getting to enjoy it anyway. Or rent it out on RVshare

@XennialGuy 8 дней назад

I see a pattern where these blue collar workers fall into a position that makes them way more money than the average person with their education is used to, practically overnight. But then they get into debt way deeper than they would have ever if they had a job making the average in their field. They end up working overtime just to maintain a lifestyle they could never afford and never have anything to show for.

@lot2196 8 дней назад

He's young and works hard. Good luck.

@Jazna1 7 дней назад

Bought himself toys, secretly racked up huge debt, has a stay-at-home wife that he has been lying to and she has likely been spending like a drunken sailor. Great guy. If he ends up divorced I would not be surprised but either way the wife is screwed. She is going to have to get a job to help get the marriage out of debt.

@Hodgiez 8 дней назад

Taxes has to be first

@kaythegardener 7 дней назад

Yep, the IRS can REALLY MESS YOU UP, if you don't start cooperating in digging yourself out of this mess!!

@liorap5636 8 дней назад

Three things. They didn’t focus here! 1) IRS PAID 2) SELL THE TRAVEL TRAILER AND MAYBE THE CARS 3) PAUSE THE IRA this call suffered with not the exact right path here! Where is Dave…

@jeffkline9191 8 дней назад

Yeah they suck. Sorry to say but it’s true. Dave defines the problem in such a masterly way and gets to the heart. No bs.

@user-lf2lf6wy4z 8 дней назад

Or Caleb. Or Romain.

@buckeyedav1 8 дней назад

I was in the same situation 2 years ago with my husband.. we had a "Come to Jesus" meeting after I wrote out all our debts and what we had left. We consolidated and got it all paid off but yes it took sacrifices and watching our budget with a fine tooth comb. Our debt was no where near that amount but it was a Wake Up call 100%. Anna In Ohio

@bntran2 8 дней назад

I'm a half million in debt, my goal is to work a lot less because I have a couple kids... and my wife don't work🤣

@joelnilsson7129 8 дней назад

Wife doesn't need to work if he is making 180k a year. Him alone is above the average household income by miles. He should be able to work less and spend more time with family, if he manages the debt in the coming years.

@bntran2 8 дней назад

@@joelnilsson7129 he wants to work less so his income drops 50k? his expenses will increase with kids, not decrease

@bntran2 8 дней назад

@@joelnilsson7129 he wants to work less so his income drops 50k? his expenses will increase with 2 kids, not decrease

@HOLDXSTEEL 8 дней назад

@@joelnilsson7129she should work to help him out especially since she most likely overspent as well

@e.cforest5422 8 дней назад

@joelnilsson7129 you will not pay back a 500k debt without that salary. The interest alone would crush anyone not making far above average salary

@ewidontlikeyou 7 дней назад

Thank God my mind works the way it does. Keeping me safe and successful 🙏🏾

@black4vcobra 8 дней назад

Linemen work hard and make good/great money but also seemingly are all AWFUL with money. They all have to have big diesel trucks and travel trailers and boats and motorcycles, etc. The smart ones work 20-25 years and can get out of it.

@francismarion6400 8 дней назад

It's the new mindset. My wifes grandfather was a linemen and he was frugal. He passed 8 years ago and his wife is set for life.

@LEP021085 8 дней назад

@@francismarion6400your post begs the question, was he able to enjoy his money?

@francismarion6400 8 дней назад

@LEP021085 Hmm. He liked to fish and crab. They camped for a few decades. He liked to bird hunt and had a small collection of really nice shotguns. He never seemed stressed and always content. I think "content" is the word you were looking for. They were married 60+ years.

@rvog6584 8 дней назад

same goes for a buncha machine tool / diemakers, many of construction trades, &, strangely as Dave endlessly points out ... physicians. :-)

@alinatamashevich3354 7 дней назад

They all have lots of "toys", same with HVAC guys. New Boats, Harleys, Jet Skis, RV's , Tricked out trucks.....

@MozD 8 дней назад

The “I’m so much better than this guy” comments here are special.

@user-lf2lf6wy4z 8 дней назад

And regular. Sort of sickening. Overlooking the fact that he did make a call for help. It's a good thing they dont work a crisis line. The suicide rate would be even higher than it already is.

@mfrierson7 8 дней назад

Which is why no woman should be puting all her financial cards in one mans basket. Th fact that she knows nothing of the financial situation that directly effects her, is the number one reason women need education and independence before and after marriage.

@BlueDauntless 8 дней назад

Seems like she is willingly not involved. That’s a her problem for not asking questions.

@ykook7000 6 дней назад

@@BlueDauntlessyeah well like most men he probably minimised / lied or reassured her all is fine....until the crap hits the fan

@StoicJohny 7 дней назад

I feel for this guy deeply, he needs to have that hard conversation, I was in the same boat, in my mind protecting my wife from the worry and stress I was going through, all that does is create resentment and stack problems on top of problems, you will never start digging your self out unless you come clean and get transparent about those finances brother, talking out of experience here.

@ykook7000 6 дней назад

So you lied and deceived the person you're supposed to be in life together with ...got it

@BigChill73 7 дней назад

Debt free life is simply Amazing!! Never lose sight of your financial freedom goals!!!

@michelejohnson6459 8 дней назад

Wife needs to get a job to have an emergency fund. I don't understand women that don't work in this day and age. I always worked to become debt free and for the kids to have college funds and drove toyotas for 25 years. 😕

@rayhill5767 8 дней назад

Oooooo a lineman You know he’s got to get that giant dually truck to impress his buddies And the four wheeler And the bass boat And the travel trailer And the hunting lease

@alleykeosheyan4779 8 дней назад

I live in Wyoming and young oil workers are guilty of the same thing. Then they lose their jobs and you find the truck on the used car lot and the video game system in the pawn shop.

@extremecarpetcleaning-wvwi86 8 дней назад

@@rayhill5767 my son is a fighter and every guy at his station drive 60,000 dollar trucks and give him hell about his cash out the door Mitsubishi mirage. It gets 40 miles to the Gallon. He just laughs when they complain about being broke. He is frugal and has lots of money in the stock market at 22 years old.

@jimmiepatrum 8 дней назад

@@extremecarpetcleaning-wvwi86 Good for him!

@smtxtv 8 дней назад

I was thinking exactly that. Good call. Accurate.

@patroberts5449 7 дней назад

@@extremecarpetcleaning-wvwi86 he should do financial consulting on the side. Sounds like a good head on his shoulders!

@djean5069 8 дней назад

I make less than 20k a year. A year ago, I broke my foot. I had 26k in medical for it o. Credit cards. I now owe 7500 on one card and payed the other off.

@Shortballa11 8 дней назад

How?

@dustyrhodes2717 8 дней назад

This makes no sense. How can you make so little? How did you pay it off almost?

@djean5069 8 дней назад

@dustyrhodes2717 I am 62. I have no debt other than my CC. I work part-time. I pay at least double or triple the recommended payment. I have a budget of $100 for groceries. I have chickens, so I have eggs for 2 meals. I own my house. I own my truck. I have my cell phone and my insurance for my truck to pay every month. That all is a total of $300 in monthly expenses. The rest goes to my credit card (approximately $12-1300 a month). I am living it. It makes sense and it works. I have an 800 credit score and I am single. If you can't see it makes sense now, you never will.

@djean5069 8 дней назад

@dustyrhodes2717 I buy meat only. I drink water and coffee. I do not buy chips, soda, processed foods, junk foods (which is pretty much everything in the store now days) or alcohol. At 61 when I broke my foot, it healed super fast (walking on it after 5 weeks) because of my eating habits for my age.

@djean5069 8 дней назад

@@Shortballa11 read the comments under Dusty Rhodes. I explained it.

@GrandMa-hm5mb 8 дней назад

Why is this not considered "financial infidelity?" If the wife had hid this debt from her husband they'd be all over her!

@Chet_24 8 дней назад

You're delusional. They only bash men on the ramsey network. Every once in a while, they'll have a call with a lady and say she maybe could have done things differently.

@GrandMa-hm5mb 8 дней назад

@@Chet_24 No. I've heard several men call in about their wives hiding debt from them. Then the wife gets criticized for "financial infidelity."

@francismarion6400 8 дней назад

She had a choice before she married him.

@Willtellthetruth 8 дней назад

@@GrandMa-hm5mbWhy do you care? It sounds like you didn’t get what you want and you’re whining about it instead of doing what grown-ups do, which is just watch something else if you think these two are being unfair.

@ykook7000 6 дней назад

@@francismarion6400omg seriously there's always the miso on here that Blames the wife for everything 🙄🤦

@sct4040 5 дней назад

This guy doesn’t know how to grow wealth, he only knows how to spend beyond his means.

@dukeblue9999 8 дней назад

Dude is a mess. No common sense to speak of unfortunately.

@susanharris8422 8 дней назад

Good Morning 🌞

@momof2momof2 7 дней назад

Keeping this from your spouse is just thoughtless and cruel. If he dies, she will be left with a huge, very unexpected mess, that he created. This is not showing love

@alinatamashevich3354 7 дней назад

She will leave him, and he knows that!

@rachelcrossen8136 5 дней назад

This is financial infidelity. They didn’t call him out on this. Wife is going to feel very deceived. She may not put up with this immaturity and deceit

@Heat-kr2od 4 дня назад

They did, it's just that he said it at the end of the call. He needs to have his wife in the loop.

@DudeDude491 8 дней назад

Kenneth is waiting on his Subway Tuna Footlong Sub

@otrebla8944 8 дней назад

😂

@IsabellaRoss-hl6qd 5 дней назад

We have a similar situation with the debt being too high and making all the payments is tough. Our lightbulb moment was when I became pregnant with our third child I really had a want to be more part time but with our minimum payments it’s just not possible because of lifestyle creep. We are fully aware of the severity of the situation and are working hard to fix it so that within a year of our baby being born I am able to stay home an extra day per week and care for our family the way I wish I could!! ❤ stay strong and reduce the debt to have the family life you wish you had

@mrblondeheart9562 6 дней назад

I knew this guy was a lineman before he said it. This is common in our line of work

@queen.kristal8395 8 дней назад

Wife needs to find work to get this cleaned up also sell all the stuff you do not need it proves both spouses need to be on top of bills I know she sees all this luxury items in the house 🏠

@Michael-ft9pm 8 дней назад

Ugh I am staying single indefinitely

@alinatamashevich3354 7 дней назад

Single life=happy life

@bobmcdoggish9659 8 дней назад

For this guy, selling the camper needs to be the first move. Why? Two reasons: 1. Camping is great, but it is never cheap. 2. Getting rid of the toy will send home a lasting reminder that money must be more wisely spent.

@user-lf2lf6wy4z 8 дней назад

IRS first

@philipgerry5228 3 дня назад

He has no room in his budget for toys.

@chrisitianbeatz 8 дней назад

This guy is a madman....he owes everybody money except me and he has the nerve to say that he wants to work 50hrs a week.....this guy needs to work so much his family would need to own a ladder to see him during the week 😂😂 he shouldnt have a day off until 2030

@carolr7823 8 дней назад

Both he and his wife should have had a budget and know where all their money is going.

@spatty2589 8 дней назад

They didn’t seems to hear that he owes the IRS!

@user-lf2lf6wy4z 8 дней назад

That's the most alarming one

@mxerb5912 7 дней назад

180k in Ohio?? I’m a sr engineer and don’t make that much. This is pathetic to be in that situation

@jeanettealfred3054 8 дней назад

Dude everybody except me 😂😢

@shannonsampson3267 8 дней назад

Hear me out, Michael. Bankruptcy. Talk to a lawyer.

@anonyghost7422 8 дней назад

Why? If he can pull 180k/ year and live off 60k, that leaves 120k to pay off close to 500k. That is 4 years of living like a normal American. Bankruptcy will ruin him more than getting a budget and sticking with it. Edit: of course he has taxes but the math still works. He can live below his means and uses a good portion to pay Debt

@shannonsampson3267 8 дней назад

@anonyghost7422 What is the downside to BK? Ch 13 is a tool that can allow him to keep his assets and stop all of the interest on his debts. It's a debt restructuring system. He will be held to a payment for a set number of years and then be done. Even Dave used BK.

@amireallythatgrumpy6508 8 дней назад

Trading one set of problems for another. By the way Dave never used BK, that's just a business origin story he made up.

@shannonsampson3267 7 дней назад

@amireallythatgrumpy6508 What problems does BK cause? It has caused absolutely zero problems for me. I filed in 2022. I went to marriage counseling and we used the Every Dollar Premium now. Doing better than ever.

@shannonsampson3267 7 дней назад

@@amireallythatgrumpy6508 What problems are caused by BK? I filed in 2022 and have had zero problems. Doing better than ever.

@9liveslisa 8 дней назад

His appetite is bigger than his wallet!

@Gmenpg 5 дней назад

You know this guy wanted to talk to DAVE. Not these two 😂

@fmg12 6 дней назад

I can attest to the linemen feeling the pressure to be in debt: it’s a work hard, play hard mind set.

@johncameron4194 6 дней назад

pay the IRS one ASAP

@juliansteward2593 2 дня назад

Hello, I'm calling from the basement of Ramsey Studios

@DailyNews-rs5qs 8 дней назад

The way y’all labeled the title XD

@jimroscovius 8 дней назад

Why are you spending?? Stop!!

@michellemybelle22 8 дней назад

Go Team

@shanep2760 7 дней назад

I loved that he said he was working the Baby Steps, then fell off, now just wants to know where to start. 🤦 Back at step 1 bro 😆

@extremecarpetcleaning-wvwi86 8 дней назад

I'm guessing normal income people never watch the dave Ramsey show because it seems every call talking i make 200,000 a year and can't make it. It just blows my mind. Ive raised 3 kids on 60,000 a year. No 5,000 sq. Ft. Houses, bmw's or awesome vacations but we paid bills and had food on the table. You have to live within your income. It's tough watching people who make good money go broke because they can't manage money. I bet they go to Disneyland 3 time a year, 2 new cars and a huge house... of course your broke.

@JimmyMook700 8 дней назад

Sell everything except the house.

@ricana1160 8 дней назад

The kids too! 😅

@JimmyMook700 8 дней назад

@@ricana1160 lol! Well…..

@SirD1 8 дней назад

Including himself

@ruthirwin8222 6 дней назад

Surely the tax man should be no1

@dougn7319 8 дней назад

Guy is making $180K working 80 hours a week. Assuming time and a half for anything over 40 hours his job is actually paying a base of 70K ish for 40 hours. The massive pay number comes from overtime which doesn't seem sustainable. He either needs to keep working 80 hours a week or downsize his lifestyle massively.

@sct4040 5 дней назад

Living alone in my 1st apartment, I still managed to save and invest. What’s wrong with people?

@PersnameLastname 5 дней назад

He’s living the borrowed American Dream 🇺🇸🇺🇸🇺🇸

@268RG 7 дней назад

This guy is lucky that Dave wasn't on when he called

@sheryl7837 7 дней назад

Yea, it is a partnership, she needs to be with you and you guys will be fine!

@Ja50nkAt 8 дней назад

Beans and rice will clear him out of non mortgage debt in less than two years on 180k, what's the problem?

@FTG2Eli 8 дней назад

I hope he is, but it doesn’t sound like he is ready to make a huge change in his financial behavior.

@user-lf2lf6wy4z 8 дней назад

Uh........the conversation was a little short

@gdolly166 7 дней назад

Clicked thinking it may be a familiar voice lol

@gaselekrauss415 8 дней назад

Set your wife down and learn to budget.

@juanmartinez1337 8 дней назад

I see it everyday at work. New guys buying expensive toys and cars. I try to give them advice; but most of them don’t listen. Most of us make 6 figures income and a lot of them are living pay check to pay check.

@officerdsouza 8 дней назад

I hope i'm wrong, but it doesn't seem like he's "had it" yet. He sounds more hopeless than frustrated, which could explain why he didn't keep up with the debt snowball in the past. No gazelle intensity. I hope he finds *hope* through setting some goals for himself and his family.

@mybdayis420 8 дней назад

where is this mf’s money going!? 😮

@alinatamashevich3354 7 дней назад

Full time party time at his house

@cdsnider9496 8 дней назад

Too many people hating on this guy. He did make the move to call in. I thought Daves followers our supposed to be Christian. Good luck to this guy. There are millions of people in the same boat.

@penelope5500 8 дней назад

Why do people categorize being Christian into a group of people who have no brain & no ability to comes to a reasonable conclusion?

@seymourwhitetail4945 5 дней назад

Don't do that to your spouse, you can't be that selfish.

@thomaschew2191 8 дней назад

This debt here is 2.6 times the annual income. This makes our debt which was .90 of our income see easy. But it wasn't easy by a long shot. I wish this guy well, him and his family. If they get serious about this it will enhance their life satisfaction so much. I have a friend that is very close to this amount of debt, in actual dollars they are equal however he has bigger shovel, but he is older and worse part is he doesn't think it is a problem.

@reign0ffire88 7 дней назад

The hardest struggle in a man's life. Wife to husband: You work to much and are never home for the kids and I. Husband changes and works less down to 36-40 hrs/wk. Wife to husband & friends: He doesn't work hard enough to provide for our family so I can be a SAHM, go on lavish vacations, and afford a McMansion.

@alinatamashevich3354 7 дней назад

Add in most women are never happy, DIVORCE is coming.

@djpuplex 8 дней назад

I'm sure the wife loves the lifestyle. And I'm sure she'll stick through this difficult time😂. He's about to be in a payment plan to a divorce attorney. She can now use her secret bank account.

@davidbrayshaw3529 8 дней назад

Why should she have to use her secret bank account? She's going to get half his pay for the rest of his life.

@djpuplex 8 дней назад

@@davidbrayshaw3529 The secret get out bank account is typically 60% of lawyers fees (because he'll have to pay 40% of hers) and 3-6 months of expenses. Correct she'll get her chunk but divorces take a while.

@kurtjames9487 8 дней назад

@@davidbrayshaw3529 some women online brag about having an "escape plan". They hide money away for years in anticipation of leaving their husband who doesn't pay enough attention to their finances to notice.

@philipgerry5228 3 дня назад

If you don’t have the cash, don’t buy it.

@lionheart93 8 дней назад

Have your wife work part time and u can work 40 hours a week

@tommiller12345 8 дней назад

Dave would have said that. And Dave would NOT have praised the caller when he said he wanted to work less to spend more time with his family. These two didn’t help him.

@danieljohnson4418 8 дней назад

Hmmm . . . I wonder what they're going to tell him. I have no idea.

@jaystengel7511 8 дней назад

About to be divorced, child support on the horizon

@alinatamashevich3354 7 дней назад

High divorce rate in that line of work. Women view those guys as meal tickets, they get chased.

@TheFirstRealChewy 7 дней назад

The very first step is to fix the leak. He has to stop the bad spending habit before attempting to pay off debt. If not, all the work will be in vain.

@ryankuehl7466 7 дней назад

Stories like this just show that you can be poor at an income bracket. He makes almost twice as much as my wife and I combined and I wouldn't trade places with his current situation at all.