I Owe $18,000 On a Car With a 26% Interest Rate!

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I Owe $18,000 On a Car With a 26% Interest Rate!
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3 июл 2024

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Комментарии : 822

@esonon5210 3 года назад

They may be scheisters but not idiots. They knew she wouldn't be able to pay the note but got a bonus on her down payment and would be able to repossess the car to sell it again.

@cripplermaximus 3 года назад

Sadly, you are 100% right. They got an endless supply of desperate people, too...

@stevenm732 3 года назад

Exactly

@o0OLionHeartO0o 3 года назад

Business as usual

@zunedog31 3 года назад

They set that interest rate because her likelihood of repaying it was lower than most. They were correct and now she can't pay. 100% her responsibility.

@esonon5210 3 года назад

@@zunedog31 agreed. She was stupid for getting too expensive of a car but I wouldn’t be surprised if the dealership encouraged her to get it.

@richgenix 3 года назад

I remember when I was 18 I tried to get a car and they told me 31% intrest and my friends were telling me to do it! And I was about to but I had to think about it and that’s when I realized they weren’t really my friends! I was almost purchased the car under peer pressured and would’ve messed up my financial life

@howlbeast 3 года назад

Glad you were Headstrong n you saved yourself an headache

@richgenix 3 года назад

HowlBeast ,, it’s crazy how I actually thought of it and now I have a car financed at 2.4% at 19 years old! Crazy right?

@howlbeast 3 года назад

@@richgenix dang kid hope you get out of it and follow Dave Ramsey plan

@richgenix 3 года назад

HowlBeast , i got a 10k car financed it and 2.4% paying little over 300 in Total! I think it’s a good deal

@Wesley-rn7oc 3 года назад

umm.. you just drew the conclusion that they weren't really your friends?!? You didn't think that maybe they were as naïve, if not more naïve, than you? Friends give bad advice too.

@untouchable360x 3 года назад

Lots of red flags. 21 year old unmarried and pregnant. Bought a car she couldn't afford.. Low income.

@ianrobinson476 3 года назад

AKA 25% of America.

@redcomic619 3 года назад

Boyfriend with zero debt going to EMT school who PROBABLY won’t stick around...

@howlbeast 3 года назад

I used to work in a dealership years back as a collections advisor .. the amount of kids buying Audi’s, Benz at a young age alongside their dad n in finance. I was stunned I really wanted to pull the dad n say WHY LET HER BE IN DEBT FOR A VERY LONG TIME. I just collected card payments n transfers .. plus desk had mics n camera

@redcomic619 3 года назад

HowlBeast Dealerships are some of the biggest crooks around.

@NumberONEdazaiosamudazaihater 3 года назад

The father is chad or Tyrone

@jeanlenor1858 3 года назад

This is the kind of America that we live in. The "I gotta have it crowd".

@raymondcunanan5016 3 года назад

Spot on!

@AO-nr7kl 3 года назад

Also the 'I gotta sell it' crowd.

@JakeLesser 3 года назад

"I gotta have it *NOW* crowd".

@howlbeast 3 года назад

26% jeez .. I rather be a simpleton in my own lane w/ lil money than to be a stunning wheeling in liability

@triad6425 3 года назад

Rent a center exists for a reason

@redcomic619 3 года назад

Sometimes you make so many poor decisions, Dave is basically speechless.

@autistic-lutheran-carnivore 3 года назад

I am glad he doesn't laugh and I believe Dave has a reminder of his own stupid w/ zeros at the end to keep him humble. Maybe he framed the the (financial) notes that were called on him in his 20s that caused him to lose everything he had.

@Nixonskitchen 3 года назад

Sad. This young lady probably has no role models. She doesn’t understand what’s possible. Making 25k not married with a baby and in debt is not living.

@mjbadboy14 3 года назад

I'll tell you where she went wrong. She wanted everything at once. A baby, car, house, boyfriend,...basically everything.

@Musicienne-DAB1995 2 года назад

@@mjbadboy14 Spot on. No concept of delayed gratification.

@jellyrcw12 3 года назад

I saw the title and went "yeesh!"

@The4P_ 3 года назад

Same

@TechWithJayMcCall 3 года назад

When I saw the title! 👀

@bobrobertson169 3 года назад

What do you mean

@dayinthegrind688 3 года назад

When I also heard “I’m pregnant” oof

@mathieugillet 3 года назад

My eye started twitching

@JogBird 3 года назад

she could have bought a decent $5k used car

@howlbeast 3 года назад

I know right

@darlenepaul2934 3 года назад

That would've made too much sense!

@bluejay6229 3 года назад

I was thinking the same thing lol

@aolvaar8792 3 года назад

My bro in law just sold his Toyota corolla w/438K miles for $1000.

@hastycontemplation 3 года назад

@@aolvaar8792 Wow how did he know it was 438k? My 2004 stopped counting at 300k.

@brianafranklin8164 3 года назад

The car people are not “idiots” they’re leeches. They’re not hurting for her ridiculous interest rate.

@SK-gi8dj 3 года назад

They’re idiots too because she’s at such a high risk of default

@rickvangils100 3 года назад

@@SK-gi8dj at 20%+ interest rate, her default risk is well covered.

@blackworldtraveler3711 3 года назад

@@SK-gi8dj They’re not idiots and know exactly what they are doing.

@TheLordBeast 3 года назад

They’re a bunch of crooks taking advantage of a young lady. She made a mistake but it’s ridiculous that they approved that loan.

@JeanValjean875 2 года назад

I mean, at a broader level if enough people default on their loans that's what causes things like the 2008 crash. It's majorly irresponsible to approve someone for more debt than they can afford.

@bookishnatural 3 года назад

Dave Ramsey was literally at a loss for words. 😩

@kidgoku2206 3 года назад

😂🤣 Fr

@sarahali3367 3 года назад

And that is extremely rare for him. EXTREMELY

@edwinl423 3 года назад

He fears that if he find words he would become her Father.

@JoMama123451234 3 года назад

The whole time hes thinking why did you decide to have a baby making minimum wage jobs!

@nicole4779 3 года назад

I feel like they usually screen these types of calls out

@612osiris 3 года назад

I didn't even know interest rates could go this high. If your interest rate is double digits, big red flag.

@bigchills7194 3 года назад

21% is max in Massachusetts. It’s state law. Not sure of others

@TheButtry21 3 года назад

I was thinking the same! Is this a buy here finance here kinda place? Its robbery!

@literallynoone2093 3 года назад

Dave: My disappointment is immeasurable and my day is ruined.

@franco521 3 года назад

🍗

@ManuelLopez-ev7ud 3 года назад

Review brah???

@tmusa2002 2 года назад

Love Brah!!!

@collectionofcells8656 3 года назад

She got the hood interest rate

@MrTmenzo 3 года назад

Lol

@erickn7985 3 года назад

You ain't wrong bro😂😂

@TechWithJayMcCall 3 года назад

😂 😂 it’s funny because it’s true!!

@mr.boostang2064 3 года назад

Facts, I moved out the hood a year ago and 18% APR on Altimas and Chargers was the most common thing ever

@stormb28 3 года назад

For real. Nissan will qualify anyone.

@DrogoBaggins987 3 года назад

Terrible situation with the car and it turns out that's the smallest problem she's got.

@micahparks5115 3 года назад

EMT school is only a semester long. Just finish the EMT school and continue to work at the grocery store.

@chrisreynolds6391 3 года назад

Honestly with a baby coming EMTs only make $15/hr. Daycare is so expensive.

@mph5896 3 года назад

@@chrisreynolds6391 Depends nowhere you are at. MY area EMT's are not making that much.

@Moli37 3 года назад

@@mph5896 even in Cali EMTs only make $15-16 an hour.

@Mafiaman677 3 года назад

Unless you go to Private service, you're not going to make much as an EMT. He's looking at making $30k - 38k at best.

@bigchills7194 3 года назад

@@chrisreynolds6391 still better than a grocery store

@matthewbarry2079 3 года назад

I thought my 4-6 percent interest rate was bad... good grief!

@JH-ot5mn 3 года назад

@Rachel Sheldon lol, it's utterly awful for a depreciating asset.

@truthteller5521 3 года назад

@@TheBlimp88 Nowhere near as bad as 26%, not even close. OP is admitting her 4-6% is bad, just not as bad as the caller. Context is key. 🔑

@bobbydouglas16 3 года назад

Same

@aolvaar8792 3 года назад

@@JH-ot5mn So what if the car is worth $0, a minute after you buy it. Drive it for 50-60 years, My 1972 chevy truck is on its third engine. and its an appreciating asset.

@KnockoutInvesting 3 года назад

That's high lol. You need 1-2%

@806texan 3 года назад

I make 75k a year and just paid 16k cash for a car and that seemed like way too much to pay for a car

@VoiceOfReason919 Год назад

you should take the bus are you mad

@KeatonDee Год назад

It is too much still.

@BrandonTurpin83 3 года назад

I wish we would see more follow ups with some of these callers 6mos - a year later to see how things turned out.

@jeffreywhitaker5154 3 года назад

YESS! EXACTLY WHAT IVE BEEN SUGGESTING!!!!!!!!!!!!!!!!!!!

@yolandaking4583 3 года назад

I totally agree with you Brandon to see who actually followed the advice given and the productivity the have made.

@bigchills7194 3 года назад

Or even better get both sides of the story for a COMPLETE picture. Dave dogs on the BF without having any insight to his story

@jeffreywhitaker5154 3 года назад

@@bigchills7194 true.

@Tunechi65 Год назад

@@bigchills7194 it's how it is when it comes to men and women. Women are treated like puppies with no brain and ability to work. It's so insulting

@jaysmith6013 3 года назад

My God this girl is the poster child for stereotypical bad decisions.

@Musicienne-DAB1995 2 года назад

Stereotypes often are based on the truth.

@jazzyj6640 2 года назад

Aww, how is that? Just because of the car?

@bignigga1416 2 года назад

and dave expects the man to pay off her debts lol

@anthonydavis3424 Год назад

Birth control only hope

@crackthecode1578 3 года назад

I think previously the highest interest rate for a car on the Dave Ramsey show was 25%- congrats, you broke the record!

@ajh.4131 3 года назад

@Dave Kop you don’t understand sarcasm, do you? 😂

@hastycontemplation 3 года назад

Shouldn't this be considered usury?

@crackthecode1578 3 года назад

@@hastycontemplation you'd think, he also had an elderly lady call in about a personal loan with an 80% interest rate

@chasityeverett3668 3 года назад

Every parent that has a daughter just CRINGED listening to this...

@ShadowKiller71 3 года назад

Every person whose not a financial idiot cringed

@chasityeverett3668 3 года назад

@@ShadowKiller71 ...😂😂

@MilkPudding 3 года назад

@@ShadowKiller71 I think the cringe mainly comes from being pregnant so young without even married to the boyfriend and both are already struggling without this car issue.

@JM.TheComposer 3 года назад

This is probably one of those cars with a GPS-enabled black box that can remotely disable the car from starting if the person misses a car payment.

@tjandcj123 3 года назад

You know it. Straight up hood loan.

@timmy46975 3 года назад

It's one of those calls where all of the air leaves the room multiple times.

@jessitabonita 3 года назад

Yes!!! I love when Dave gets right to it and is extra serious with every “freaking” used. More people need that straight-shooter who speaks truth.

@lexithompson7426 3 года назад

Nice comment .... Where are you from ?

@timdenny1991 2 года назад

Dave's "tough love" speech! 😀

@NirvanaFreak0872 3 года назад

Her: I did a stupid thing. Dave: Your boyfriend needs to man up!

@bignigga1416 2 года назад

exactly, blaming the bf for her decisions

@Dailyfiver 2 года назад

Well uuuuuuuuh, that guy DID get her PREGNANT and now her problems are his problems.

@bbkyjohnson Год назад

Unfortunately the small amount of child support she would get in my opinion would not help her get out of this. Doesn’t sound to me like he’s all that invested in her. I hope I’m wrong but if he was he’d be helping her with the payment already!!

@silverltc2729 3 года назад

I like how Dave blames the guy for the car 😂

@colin1818 3 года назад

He blamed her too. "You were desperate for a car and just signed whatever they put in front of you."

@meymay11 3 года назад

Bc Dave believes men should take care of their families especially if a baby is coming.

@MysticBoltz 3 года назад

Dave is pretty respectful to his callers when he knows they are going through a hard time. They’re asking for help and he’s there to provide a word of advice

@z040880 3 года назад

That's Dave for you! Doesnt matter..blame the man. lol

@RTS_2008 3 года назад

The RU-vid commenters are pretty notorious for calling Dave a Simp. I’m not gonna lie, but I do tend to agree with that statement sometimes.

@MillionaireMindsetClub 3 года назад

26%... god give me strength

@BrownBrown270 3 года назад

What do these people think?

@BrendanEvan 3 года назад

Those auto loan rates are borderline criminal

@appleforever6664 3 года назад

Why? This is America! She messed up!

@thebearishbull2652 3 года назад

Very sad call 😔..

@JakeLesser 3 года назад

It's really interesting to see the clash in generational thinking. Dave insists upon marriage, whereas to the 21 year old, that isn't even a thought in her mind. Despite being pregnant and living with a man.

@labornurse 3 года назад

You get more welfare unmarried...

@adriancastillo5812 3 года назад

It’s because marriage is outdated being legally bonded to each other probably had a lot of bad experiences of seeing other married couples but she really made bad choices and marriage will no fix any of this

@brkfst4dnr 3 года назад

Dave's vision of her at 31 didn't include a bitter divorce, but that's what he sentanced that family to.

@AK-pz7om 3 года назад

Makes you wonder

@genxx2724 3 года назад

As a taxpayer, I don’t feel like supporting her kid. I’m single, I wanted kids, but I didn’t have them because I didn’t marry and couldn’t afford to do it on my own. I have to drag myself work every day to earn my living and pay a ton in tax. I’m tired and I don’t think I should have to pay for other peoples’ kids.

@TechWithJayMcCall 3 года назад

Dave when he hears the interest rate “You got messed over didn’t you?”

@newtonraymond77 3 года назад

Yep because the word that fits is too hot for TV

@TechWithJayMcCall 3 года назад

😂 true!!

@yashpatel3123 3 года назад

$1500 car is a bad choice. Most of the time people sell cars for that cheap is because it has all kinda of issues. You will end up paying hundreds of dollars in keeping it running.

@yoyo-ko4fh 3 года назад

*thousands*

@JesusCervantes-vl4mb 3 года назад

The car company knew since day one that she couldn’t pay for it. They made a profit and they will keep the car

@Wellington205i 3 года назад

Nobody forced her to sign the contract on the loan. Every company is for profit. 🤷‍♂️

@peters.6343 3 года назад

@@Wellington205i that's not profit, it's theft!!

@hastycontemplation 3 года назад

usury?

@JesusCervantes-vl4mb 3 года назад

@@Wellington205i exactly!!

@tomdrummy4984 3 года назад

Sad, but she is proving the previous video on statistics. Hopefully they make it and get past it. Agree with Dave.....if you’re man enough to make a baby, you need to start providing quickly.

@DisabilityExams 3 года назад

Bingo

@Beatyofeet32 3 года назад

And if you're woman enough to make a baby?

@bigchills7194 3 года назад

Takes two to tango... ya know ... women’s rights and women’s lib ? They don’t want a “man” anymore

@folives4741 3 года назад

After listening to Dave for over two years I can say that this is a really bad situation. Usually Dave gives a plan to follow and what to do afterwards.

@fivefivesix-sevensixtwo4114 2 года назад

I've seen a lot of people buy cars they can't afford either because they want to look wealthy driving a newer car or because they don't understand the cost of keeping that car. I've been an automotive technician for years and I daily drive a 92 Acura Integra for a reason. I saw a guy drop off a V12 Mercedes Benz at the shop I used to work at and he never picked up the car because he didn't have the money to pay for the services performed.

@MrOccyc 2 года назад

A lot of people are so concerned about what they look like in the eyes of strangers.

@cathyosullivan718 3 года назад

Dave is such a traditional and good man!

@lexithompson7426 3 года назад

Nice comment .... Where are you from ?

@MariaMaria-by6ff 3 года назад

I got the vibes that even though the bf is there, he isn’t exactly “in the picture”. He kindOf just doing his own thing. Dave had to drag the boyfriend factor out of her. I hope he is really trying to walk down this path with her and that she gets out of this mess. 😕

@As_A________Commenter 3 года назад

He works full time, takes classes towards a better job, and has no debt. She is buying things she can’t afford by financing at terrible rates. What makes him the loser in this scenario?

@bigchills7194 3 года назад

@@As_A________Commenter you're exactly right here but this is just Dave's preconceived perceptions very anti-male lately as he's gotten older

@Bushidough 3 года назад

I feel her pain. When I was her age I did the exact same thing, but it was a 18k loan and 21 percent interest. Will never do that again. Good luck to her.

@teresaboykin4861 3 года назад

Love how Dave tell it like it is. Period

@robertspeaks8736 3 года назад

WOAH, you know its badddd when Dave asks “can your family help you with that [$4k loan]?”

@0neofthem 3 года назад

Love the calls where the car or student loans are close to or exceed the callers annual income.

@jamesrichey2434 3 года назад

In the guys defense, because we don't hear from him at all, maybe he has wanted to tie the knot, and she was the one who didn't? Jumping to conclusions is never a good idea without more knowledge.

@howlbeast 3 года назад

Doubt it, there’s a more chance of him bailing with the talk of marriage n quit school esp if he’s ambitious

@jeffreywhitaker5154 3 года назад

True....but you kow that this is what we don on SM lol. It makes us feel better about ourselves.

@ab6551 3 года назад

He sounds selfish low key...he needs to take care of his kid.

@j.asmrgaming1228 3 года назад

@@ab6551 where does the selfishness come in? I listened back to it again and we hear very little about him but what is said is they aren't married (no idea why), he is in EMT school, and he is working at a grocery store (no idea how many hours), and also no debt. even if we assume that he isn't working 40 hours a week I don't hear anything that says selfishness. as you say he needs to take care of his kid he is going to school so that he can make more money, he is working while he goes to school to provide and he has at least had the financial literacy to not bring debt into the relationship. I might be missing something and there is a lot we don't know, but I would love to hear your thoughts on where the selfishness is in what they said.

@bigchills7194 3 года назад

@@j.asmrgaming1228 hey my friend don't you know it's popular to be anti-male nowadays

@pasdro7777 Год назад

Get married? Tf he on🤣 “you got a finance problem? Get married “😂💩

@srdjr6760 2 года назад

Unless she has a friend or family member that is willing to do her a solid, she isn't going to find a car for $1500 that isn't going to continually drain money from her pocket. She should refinance the loan.

@leeannvan1422 Год назад

That’s what I was thinking. My parents bought my sister a car for $5k and had to do about $11k in repairs on it. Dave was thinking back to when he was younger

@danclapper626 3 года назад

Crazy people do this. Get established before trying to have a family.

@victorpadilla6964 3 года назад

Dave’s solution: Marry your boyfriend so he has to pay off your debt.

@ethanbasham4288 3 года назад

Dave's solution: Grow up and start making adult decisions for yourself and more importantly your child.

@jimroscovius 3 года назад

Dave's advice is right on!!

@Addison737 2 года назад

I just financed my first car (brand new, ordered) almost a year ago at 23 years old. I got a 72 month loan at 3.9% interest (they offered the 60 month loan at 2.9% but I chose the longer loan for lower payments despite the interest) and I thought that interest was high. I can’t even fathom paying double digit interest on an auto loan.

@legendstrength 2 года назад

An easy realization would be, 3.9% on 20k is about $2 a day in interest, a 25% on 20k is about $15 a day in interest. $60/month vs $450/month it’s insane

@tonyspicer6691 3 года назад

Just telling them to get married? great advice, and the kids got no debt but he's already an absent father apparently for working full time and going to school to make MORE money. "I don't know if it's the right time for that" as if his EMT school is some kind of self gratifying indulgence, it's literally how he is going to support his family eventually.

@Kysen10 3 года назад

eventually doesn't mean much when the kid is due in a few months and she has a huge loan right now.

@dimoniebermudez4388 3 года назад

@@Kysen10 ultimately the debt is on her and not the father. From what i hear the father is doing whatever he needs to do to survive.

@dimoniebermudez4388 3 года назад

And provide for his family

@cruciferousvegetable 3 года назад

Get an adult trike with a basket, eat beans n rice and learn to code.

@garrettstevensen2467 3 года назад

Agreed 100% with this.^

@Higheyequez 3 года назад

I have a problem with Dave putting the onus solely on the man. Is she not an adult? Is she not engaging in adult activity? Is she at all responsible for her bad decisions? I mean gimme a break. This ain't 1950s anymore.

@rashffee 3 года назад

But she is carrying the man’s child. I am sure the boyfriend is benefiting from the car that she bought. They are living together, so they ate sharing bills. She is struggling and it will get worse because she is pregnant. She will eventually have to stop working for a bit to tend to the child. How is she partnered with a man but struggling as if she is pregnant by a random guy she doesn’t remember that’s isn’t around.

@polyglotsjourney 3 года назад

"The car needs to go. Bye bye!" Simple as that.

@NAJMFAN 3 года назад

This is really sad! I feel bad for the baby she’s gonna have.

@dieudonnevilsaint6725 3 года назад

It's really not that bad of a situation. All depends on the maturity, work ethic and ambition of the father. I hope he's a responsible man.

@dieudonnevilsaint6725 3 года назад

@@saulgoodman2018 Why.... what?

@schawnettarobinson8584 3 года назад

She has a lot of problems especially in the foreseen future. It is sad.

@KingCrow404 3 года назад

@@saulgoodman2018 because the girl made lots of poor choices

@spartacus3015 3 года назад

Grocery store wont pay bills. He needs a better job no natter if in school or not. Get out from under car, share a car if possible.

@spartacus3015 3 года назад

@@saulgoodman2018 yes but needs job(s) that pays bills in the mean time too.

@spartacus3015 3 года назад

@@saulgoodman2018 this is a false belief. Many i know can make over 40k without. I'm not against educating & learning skills. But work ethic will ultimately determine what you really make & really bring home at the end of the day. So yes, i'm glad he's trying to better circumstances for the future. But that doesnt pay present bills. And he has a little one on the way. It'd benefit all three for him to improve job now & not wait til child is already born. So a better paying job now til emt position is able to be taken up would be wise. Even if it's $2 more/hr is still more than he's able to bring home now. Not sure why some1 would be against that. ?

@spartacus3015 3 года назад

@@saulgoodman2018 who said he cant do both?

@specteranderson 3 года назад

1500 will buy you a car that you will be constantly repairing

@SilentPlayer1999 3 года назад

Im sorry Dave but them getting married is not gonna fix anything.

@shiniquayakaachmiff6898 3 года назад

Correct. But getting on the same page with her other partner, who also has an income and is not pregnant, is the best chance she has, and marriage may be the impetus he needs to start treating the caller and her child as his family and his responsibility.

@chookchack 3 года назад

Its based on dave’s principle of dont join finances if not married. And he held the bf responsible for the family since they are having a baby soon. If the guy is not into it then whats the point of living together. Thats dave’s principle if you watch lots of his episode.

@ps-yk8su 3 года назад

This is Philip McGraw advice

@ftrucker8753 3 года назад

She bought the car at a buy here, pay here place 😳 She gonna struggle for a long time in the situation she’s in.

@ethannaka1822 3 года назад

holy train wreck...... man i'm so happy this isn't me. I hope she can pull it through, gonna be a tough road.

@infidelheretic923 3 года назад

“Take the bit in his mouth.” A perfect metaphor for men getting married.

@logdon17 3 года назад

Time for the reality check on this caller. You and the baby daddy are in no position financially or mentally to raise a child. Give the kid up for adoption and get your life in order first. No reason to bring a kid into your disaster of a situation. From the sound of it the are many years away from a stable life on their own.

@genxx2724 3 года назад

Sad but true. I can’t imagine giving my flesh and blood away, but they should have been more responsible.

@seeyeah5172 3 года назад

I love Papa Dave!

@metaltera86 Год назад

One of very few videos where Dave didn’t know what to say and asked the Ramsey personality to help him out lol

@loserplanet 3 года назад

"EMT school" is about ONE semester. He should be about done.

@skunkycatog 3 года назад

I hear onlyfans is paying

@offerskirksey2255 3 года назад

She would probably make more money than she's ever touched in life too

@ThePooppantsman 3 года назад

If that was the case then only fans would be nothing but black 20 years old for people with knocked up fetish

@kidgoku2206 3 года назад

@ps-yk8su 3 года назад

Jesus is watching

@TheVoiceTalk 3 года назад

It comes off like she doesn't want to marry this guy. Which I could understand but then you shouldn't have had a kid with him eather lol.

@random-nz7dy 3 года назад

That's exactly what I was thinking. And this is exactly why playing house is a bad idea. It leads to be situations and then inevitably the relationship fail and now you have to spend your time in custody disagreements. It's just generally a path to things that are not good at all.

@rockytheafg 3 года назад

I Drive the same Rusty Honda Civic for nearly 10 years. It wasnt Rusty when i bought it but it is now. Still a decent car and it does the job. People don't understand that the purpose of a car is to take you from one point to another, not to show off. I invest 15% of my salary into my portfolio.

@rockytheafg 3 года назад

@@Runco990 Yep, you know it. The moment you leave the car dealearship, it looses value.

@erwina4738 3 года назад

Not eveyone sees the purpose of a car to go from A to B. Some people actually enjoy driving. And others, unfortunately for them, get a car to show off.

@rockytheafg 3 года назад

@@erwina4738 If you have to money to Buy a good car, well good for you. The problem is most people go in debt to Buy one.

@ahmadsamadzai8255 3 года назад

My daily dose of motivation. At 65.7% progress as of today. Expect to be done by xmas. I can hardly contain myself. Thank you Dave.

@KevinGonzalez-vz7rz 3 года назад

Once again…You can’t fix stupid. Here’s Exhibit A… Let’s not also forget that she’s only 21, pregnant and unmarried with a boyfriend who also doesn’t have his priorities in order. Of course, all of us will be paying for this irresponsible mess with our taxes. Only in ‘Murica….

@mmp495 Год назад

My heart goes out to her. Some tough lessons😞

@DanielA-lp7sw 3 года назад

Dave is such a good guy.

@mph5896 3 года назад

I walked through a repo auction yard yesterday. Every single one of the cars were beat down, high mileage, toilets. Interiors were filthy, body dented/dinged, damaged. Mechanically broken in many ways. The people who financed them put themselves in that position (there are a few exceptions) to get their cars repoed.

@newtonraymond77 3 года назад

With a $1500 car she can do deliveries for auto stores or Uber eats. You don't need a nice car for that

@adriancastillo5812 3 года назад

I think driving for Uber you need a nicer vehicle but there’s DoorDash and post mates she can double dip and she can get exercise from walking up the porches for the baby but once her feet become swollen it’s going to be a pain for her

@Bestfriend-650 3 года назад

I would say, lady you are still young listening to Dave and ready to turn things around and good news is you have whole life ahead of you to make it right. I used to drive a used 4.5k kia when I started working. Water used to leak from windows when it rained and my colleagues called it water mobile. Things are much better now but I do remember those days 😊

@ps-yk8su 3 года назад

I bet they kept the car. He stayed in school. Now they still owe the car but it is reliable and they're not giving it up.

@armchaireconomist8648 3 года назад

Papa Dave advising a young mom to drive her baby around in a hooptie. Solid Advise.

@G1OCK22 3 года назад

Not to mention EMT's also don't make much more than grocery workers...

@lexithompson7426 3 года назад

Nice comment .... Where are you from ?

@harknowhere 3 года назад

Not where I live in, in New York, they make the same

@chYnaRIP 3 года назад

I'm sorry, but this is where Dave is out of touch. Marriage is not what it was 30 years ago. These are young kids that made poor decisions. I'd bet money they're in puppy love, and at each others throats at the same time.

@richgenix 3 года назад

How does she even get that high intrest

@ajh.4131 3 года назад

Predatory businesses that thrive on financially illiterate people. Simple as that.

@superblump87 3 года назад

She could have gotten a better rate, but that's the rate that was put in front of her and she signed...

@ominous450 3 года назад

She got scammed

@richgenix 3 года назад

@@ominous450 it’s robbery man

@backoff3477 3 года назад

I always say join the military. I join when I was 25 y/o and don't regret it one bit. family is taken care of and make decent money. not rich now but will be when I retire. thanks you Mr. Ramsey.

@LuckyLewis 3 года назад

Glad she's taking these lumps early in life. She's going to be ok.

@teamtakeover7317 3 года назад

I can't say that getting married is the right answer. Having a child with someone doesn't mean that you should get married. I understand the benefits of marriage etc etc but I can't agree that getting married because of a child is the right thing either

@adriancastillo5812 3 года назад

It’s not a lot of children from married families have a twisted concept of love because when couples are forced to stay together because they have to it screws up a child father being unmarried if they’re unhappy they can leave and if they’re grown up enough won’t take it out on the child and focus on them and themselves

@warikplaya 3 года назад

Recommending a 1500 car is a weird proposition for someone with no money. Where would they get money from to pay for repairs? What would they do when the car is sitting in the shop? Pay for uber to go to work? I think one would be better off buying a car for 5k, even if that means financing the other 3.5k.

@WQQKIE 2 года назад

I pray to God my daughter will never have to go through this, I have been broke and I know what it’s like.

@stevoh5006 3 года назад

Bought cash cars only from 18-27 years old . Best financial decision to start my adulthood

@hastycontemplation 3 года назад

I call that the million dollar car, it will help you become a millionaire by not having a car payment so you can instead invest that money. I have a million dollar car.

@miketheyunggod2534 2 года назад

Married by Friday? 😆. He gone. 😆🤣.

@kattbrown4228 3 года назад

My husband put his school on pause to get another job to pay off this car!! That guy needs to grow up and do the same!!

@bigchills7194 3 года назад

Not his car ... hers and with no plans for her to marry sooooo

@rottenejl1 3 года назад

$500 says she keeps that car

@rachelgooden9981 3 года назад

She said ‘vee-hi-cle ‘ like Dave Ramsey

@greencase 3 года назад

He only hires those that do.

@Aimeesund 3 года назад

Is there any other way to pronounce it?

@552mustang 3 года назад

Curious, how else do you say that?

@ajh.4131 3 года назад

@@Aimeesund I pronounce it without the emphasis of the “h”. For me, it’s just vee-i-cle.

@audibleadventures9004 3 года назад

@@ajh.4131 like the rest of the English speaking world

@TalyaT922 3 года назад

When Dave says, "I'm going to tell you what I'm really thinking....", we know it's about to get real REAL up in there.

@JillSullivan 3 года назад

two words.. Birth Control

@dagobaker 3 года назад

schools dont teach birth control or finance... both are killing her right now

@JillSullivan 3 года назад

@@dagobaker I could not agree more!

@misterE-1989 3 года назад

This was by far the saddest segment I've ever seen on The Dave Ramsey show. Sad that she is so foolish and sad that somebody would do that to a young naïve pregnant girl. Just sad all around.

@NipFungoli 3 года назад

Would be cool if he explained the downward trend of a car's value VS the upward trend of your total payments with a compoundin high interest rate . Helps you visualize the swath or gap you create, most cars are money pits

@MP-nj1qy 3 года назад

"Get married by Friday" 🤣😂 I'll use that line on my next boyfriend.

@Ella0575 2 года назад

Do those people know what contraception is?

@shawmeck9323 3 года назад

I have to disagree with Dave on this one. This is not his problem, he needs to get his education asap to better his position. If he has to pay child support, well it would be pennies on the dollar from his minimum wage.

@viewtube9666 3 года назад

Playing house LOLLL but crazy situation. Most people have this type of loan. It's unfortunate

@thelastword4616 3 года назад

A lot of people do, but not most, not even close.

@oscartristan7173 3 года назад

This is why my first car was only 4000 dls. I was 18 yo at the time.

@wewhoareabouttodiesaluteyo9303 3 года назад

She is a Hispanic and this happens all the time. She probably misunderstood what the dealership was offering her because the salesman knew American English and she cannot comprehend English fully. :'( Sad state of affairs. This gal should sue!

@jeffwvu4602 3 года назад

Really? She's speaking great English and has no problem understanding Dave and Christy...but she should sue a car lot for giving her a contract she agreed to.....because the salesman knew "American English?" COME ON MAN.

@ajh.4131 3 года назад

How did we come to the conclusion that she’s Hispanic? Did I miss something? Her English sounds fluent to me. No matter what ethnicity she is, people make dumb financial decisions every day.

@wewhoareabouttodiesaluteyo9303 3 года назад

@@ajh.4131 Oh you would know. I grew up in CA and she is definitely Hispanic and judging by the age she was impregnated at and the pauses... It is something you recognize if you have been around them for a while.

@Emens_Travels 10 месяцев назад

I was in a similar situation for about 6 months (not pregnant) but I was tired of driving and breaking down every couple of weeks on the way to work. Ended up refinancing and got a much better deal all the way around. Dropped my payments more than half and went from 24% to 6%… It is doable but takes a bit of extra work and a lot of patience. I thank God that he gave me the strength. Now I have a great reliable vehicle and don’t stress every time I head to work wondering if I’m going to make it.