My Company Forced Me To Buy A Car I Can't Afford! 

Something about this kid sounds so genuine and down to earth. I hope he finds a better opportunity.

I lost it when he said that it needs leather seats so it can be disinfected. Man the employer is really ripping off this poor guy.

I’m hardly ever shocked, this one did it. Wow, my man needs a new job.

It's like he's getting scammed by his own employer. He's paying their operating expenses.

'you're paying them to work there' Ouch. Feel for him, he's only young and this company is ridiculous

Absolute rubbish. I’m usually on the side of employers as it is “at will” employment. But these clowns are absolutely scamming him. He’s better off working in a fast food place. $15 / hr, signing bonuses, some offer benefits and retirement plans.

They took advantage of a 21 year old with little to no financial knowledge, told him he needed "dependable truck" to run their operations(and pigeon holed him. He is too broke to leave and find a better job without risking default).

Awe they are just babies. God bless them both and hope things work out for the best.

Guy needs to go into welding and get the family on the road to recoup his money. What a horrible, stupid, current employer and work situation!

Driving 5k miles a month and living below the poverty line. This is absurd!

It’s Mankato Minnesota, I live in the same town he could make more working at the Walmart Distribution center in town

I'll bet the owners of this guy's company are making bank and doing quite well for themselves and living the American dream.

The rent to own "opportunity" is a financial mirage just like his job. He needs to get better at analyzing financial matters.

Caller:"I'm wondering what course of action to take"... Dave:......"You dont have the money"😂😂

Can’t afford any of our bills, we know nothing about managing money. We are 20 and 21 so let’s have a baby! People are redic.

This call sounds so much like what the companies require of chicken farmers. Also, Dave said the truck needs to go. After hearing this call, who on earth would buy this truck? Sanitized or not

If he answers my phone call he will roast me 😂😂

I was fortunate to have grown up decently well off in rural Missouri. That said about half of my friends families were in agriculture. Sad to say this is exactly what this industry looks like. It’s built on the backs of immigrants and the poor. People with no better opportunities in areas like that. Some wise up and move away exactly like Dave is saying to do.

broke, in debt, no saving, no house, lets have baby. i cant be making this stuff up.

I don’t understand his problem. He says his company pays mileage, insurance and the minimum payment.

Time to find a new company

reminds me of multilevel marketing: "employers" preying on people who can't do the math to determine if they're making money

It is sad situation that he could probably quit, sell the truck, file for unemployment and make more net. Most states pay unemployment to people who leave if they had good cause. And I am sure some States would agree he has good cause. He just doesn’t have a view of the horizon of better opportunities yet. If he really can’t get a better job in his area, they should move, in my opinion.

So if this kid is putting 5,000 miles a month on this truck, and the Federal mileage reimbursement rate is .56 per/mile for 2022, then they are paying him $2,800 per month for the truck usage. He should be making bank on that truck. Something isn't right in his story, or his employer is screwing him and he needs to go after them.

This is what happens when actual real working class people call Ramsey. Yeah, there are better paying jobs out there but this young man has no doors to open that lead to those. None of this "we make a household income just over $100k". Duh, it's an income problem but that's how it is for most people that are below the poverty line.

Dave's face at 6:01 🤣🤣

It amazes me that instead of making their own decisions, people let other people make their decisions and then blame the other people for the consequences.

Leather seats so they can be cleaned?! What a joke!

What is with all the broke 20 year olds getting married and having babies?

Time to get a new career

Didn't he say they were paying insurance and making the payments? I know its besides the point but if he financed it for three years he could stay ahead of the depreciation and come out with a paid for truck

No they didn’t.....you got talked into it.

Hahahahahahahaha I am 20 and my wife is 21 🤣🤣🤣🤣

I've tried doing courier routes a couple times, this sounds similar. Basically the only money you make is what you get as a tax refund due to mileage deduction. Comes out to maybe $3-4/hr. Anything where you have to drive YOUR car is not worth it. They should be providing a company vehicle.

"St. Peter don't you call me cuz I can't go, I owe my soul to the company store..."

Ken, what an insightful, noncardigan-wearing gentleman you are.

My god this is a crazy story.

He makes it sound like a 600ft apartment is so awful. Plenty of people in large/expensive cities live in apartments of that size.

i miss farmwork, i DO NOT, miss farmwork pay.

I’m an outside salesmen, we’re not allowed to drive beaters. They give us a 700 a month car allowance. Is what it is

My job wanted me to buy a 25000 dollar brand new car but I wouldn’t listen to them. I got a pre owned one and doing just fine driving between facilities to see patients!

*Mankato is not that rural. He could definitely find a similar paying job without the ridiculous vehicle requirements.

The value of the truck is going down faster than he can pay it off. By the time the truck is done working, he will still be making payments. Seems like a very bad deal! Get out!

They are paying for the truck he said.

I hope you find a better job man. You sound like a good man!

No... the company didn't. Caller chose to buy an expensive vehicle instead of a good used vehicle that would serve the purpose and meet the company's requirements.

Employers doing this to people is inexcusable

Didn't he say that they pay for mileage?. That rate should be $0.585 per mile this year and if he does 5K miles per month that should bring in another 2900/mo to pay for the truck.

Married at 20 and 21, that’s cute. I’m sitting here at 32 single. 😂

Watching Ramsey's team misspell Mankato is kinda funny. Not a bad little town!

I am finding mostly minimum wage jobs that require me to pay their expenses by having to buy computer and phone equipment or a 60k truck to do the job. All too common right now. No hourly worker should be required to buy equipment for the employer.

I doubt his car situation is entirely on his company. This guy doesn't even grasp the baby steps.

Know what I did in my rural situation? Started selling shovels to the miners. I started a drone photo/video business specializing in multi-million dollar Poultry farms for real estate agents who turn those properties. Think outside the box kid!

I will never understand getting married at 20 and 21 years with a low-paying job. Yikes

I believe it's Mankato, Minnesota:-)

I’ve had jobs like this where this truck thing was an option. It’s varies but usually it’s a lump sum payment of $450 per month and they pay back $.30 a mile. Out of that payment you’re supposed to be pay off the truck within four years. Ideally that is what should be happening here but they might just be doing .59 mileage and hoping he didn’t notice.

6:00 that look is awesome

The upside is that they are still very young and have time to turn their lives around.

He said he gets paid mileage. Ask what that rate is! He could be getting $1000-1500 in mileage to pay that truck thanks to the company, plus they're paying insurance.

How about vinyl seats and floors like in my work truck, cheaper that cloth seats.

He said the employer makes the payment, pays mileage, and pays the insurance... only thing not mentioned is maintenance. Shouldn't be costing him anything.

Sell the job

Mancato is actually spelled Mankato

At least he didn’t splurge on the work truck , 24 grand for leather seats and a crew cab that’s really cheap for that

Did Dave miss something sounds like you said his job makes the monthly payments on the truck

Salary is low, but they pay for the truck and insurance

What is it lately with Dave cutting Ken off from saying something? It shows his lack of respect for Ken. He doesn't do this with John, George or Rachel.

They never even asked what the company pays for mileage. Probably a bad deal either way but may not be as bad as they are making it out to be.

This is reality for quite a few Americans

Well am I wrong or did he eventually say that the company pays for the truck because they pay mileage, insurance AND the truck payment.

I wonder how much he gets if you add the car payment, insurance and mileage? I would guess that would add up to at leas an extra 2k a month or $24k in extra compensation. If that’s the case, then they are not scamming him.

This is actually common practice, my company provides 1500$ month vehicle allowance, all the salesman get it.. there's no specific vehicle requirements as long as it gets you from A to B

Mankato not Mancato, and I think I know the hog farming outfit he’s working for. He sounds like a hardworking man who takes pride in caring for his family and I know there’s a ton of better opportunities than that in that area.

In the car business, we call this getting pounded. 🤧

I have a friend who was also forced to do that, because of the lifestyle conventions within the company.

Sad they took advantage of him

I thought you said the company was paying his payment on the truck so what’s the problem? And pays for gas

Do they not make vinyl and rubber lined cabs anymore? I used those cheap trucks for years.

The employer is basically pretending to pay for the trucks expenses by paying him $30k which is $14hr. The dude is the one paying for the employers expenses. Maintenance still falls on the guy. Maintenance for 60k miles/yr. That's tires, brakes, alignments, filters, spark plugs, fluid changes, etc.

He could sell the truck to his employer and keep working for him using the same truck and receiving the same paycheck.

sounds like they dont like him. who in their right mind would do that, he was supposed to turn it down.

How many people do they have working for them doing this?

If it’s rent to own, while you are renting the actual owners should fix the property to make it livable.

To the young guys, you need to learn some kind of technical trade like welding, auto or diesel mechanic, machinist, HVAC, Electrician, aircraft mechanic. This guarantee you can find jobs everywhere and make good money too.

It's Mankato, MN

Wow this is crazy times 100

Apply at USIC.

I missed something .. kid says his take-home was 2400 a month and 600 PT for his wife .. then the kid says he gets paid mileage for using the truck .. is the mileage included in the 2400 ??

The dude doesn’t want to leave the woods for a better pay ? 😂 man pros and cons bro either you don’t want to make any money or you do

How much they paying for mileage?

A modern truck basically im guessing

They need to provide the vehicle for him

I jsut cant figure out why stuff like "Quite Quitting" is a thing. Just cant quite figure it out /s

I live in Rochester Minnesota I’m also forced to get a truck for work as farmer also

I listened to this twice. The company makes a minimum payment on the truck, not sure what that means. Then about $2900 a month in mileage reimbursement making $35K a year. Is that the total income via having his own truck or does he still get a salary? Is he considered a contractor and then must pay his own employment taxes? Too many details are missing to make this clear to me. I would go for the lease to own land. Rent is just money down the drain. With that said this needs to be a legit deal with an attorney looking over the contract because you’re going to put 5k in to make the cabin livable. I’m guessing they have family and that’s why they don’t want to leave. So someone needs to babysit for free so wife can continue part time work. Just don’t buy that baby everything under the sun and save every penny that you can. Most Americans can’t come up with $400 and you’re far ahead of that.

this man needs to find new job asap

Did Dave even get the part that the company is paying the insurance and the minimum payment for the truck, PLUS the mileage?

Wow married with a kid on the way at 21.

this should be illegal. they clearly scammed this kid

Lol. 30k a year and a 17k truck doubled his original 15k a year job