"Quit Being A Bunch Of Spoiled Brats!" 

They may "think" they know what he will say and hope to reinforce the decision they've already made.

Well done to them for calling in anyway. It’s not easy

😅😅

The truth hurts, but it's still the truth 😅. Making 200k and can't pay daycare, unbelievable. So, what if the parents were not there? I wonder if they have thought about that possibility.

Truth is better than a harsh lie.

I've seen people with 100k worth of car debt in an apartment,ridiculous

"Should we sell our one appreciating asset to pay for all of our depreciating assets?" 🤦‍♂️

Wow

Are we talking Tonka truck, or GI Joe. This is IMPORTANT to define now.

Lmao, crazy stuff.

“I can afford it” = “I can afford the monthly minimum payment as long as I put some of my living expenses on credit”

Her statement was like an oxymoron. Completely nonsensical

Yeah, that was one of the most ignorant, idiotic things I've ever heard on this program.

I’m surprised Dave didn’t call that out.

Right. 😂😂😂😂😂 very hilarious moment.

😂

Hey! Not all 28 year olds are dumb!

He absolutely nailed it. You can always tell when they list off all the stupid decisions they make. It’s easy to know their age!!

Humans are predictable, rarely are they ever different or unique. we have entire marketing teams to figure out what people want and how they get where they are. it is always the same story old as time.

*This is stupid people

They could be millionaires in 10 years with their salary but debt is killing that dream

@@MrJimmy3459 Yup, live on $100k per year, and invest $100k in dividend stocks per year. They would be millionaires in 9 years.

Decent salary?? That income is in the 95th percentile of ALL America, meaning this couple makes more than 95 percent of ALL Americans!! Practically the ENTIRE country makes LESS money than this couple!!

Easy for her to get out of debt. She will have a great life after age 30.

You have done great for yourselves. I understand the fact that tomorrow isn't promised to anyone, but investing today is a hard thing to do for me now because I have no idea of how and where to invest in. I would be happy if you could advise me based on how you went about yours, as I am ready to go the passive income path.

That is so amazing, I’m trying to get onto the housing ladder at 40. I wish at 55 I will be testifying to similar success

Thanks so much I was able to find her page and I already leave her a message.

The quickest way to make your first millions is to invest directly with an expert that is trustworthy and has made a name and individual billionaires, I'm surprised you know her too . Stephanie is Good!

Just because you can work around a criminal organization stealing your money doesn’t mean they don’t deserve some blame for the pain they cause in everyone’s’ lives.

So she was buried in a pine box on public land?

Smart gramma

Yes your grandma is a very smart lady

I tell my son just bc I can afford don’t mean I’m buying it!

Plain and simple fact. I feel better about myself when watching this show. Ikr. My wife’s car needs work and I just think back to when I didn’t have a wife but my car needed work and I was still carrying 25 grand in student loans around with me and had no paid for real estate and five grand in credit card debt. This ministry is amazing.

I hear ya. The level of financial illiteracy in this country never ceases to amaze me.

"My 600lb Life" is another show that'll make you feel really good about yourself.

It becomes debt porn after awhile.

Same. 😀

Why did they breed while in debt?

@@randymillhouse791 They can’t stop themselves. A kid is like buying a trailer to them.

Those car payments are insane! $700 and $600!!

@@jet4415crazy assumptions you’re making there. Disgusting

😂😂

smell margarita?

I know times are uncertain. I and my spouse are working on a ballpark estimate of $5M for retirement, and I have a good 6-figures each loaded up for this, if we sold our house you think we can do it in 5 years at most? I'm nearly 55.

@@marcoerrett Very true, people downplay planners role, until burnt by their mistakes. I remember just after my layoff early 2020 amidst covid outbreak, I needed to stay afloat, hence researched for license-fiduciary advsors. Thankfully, I came across someone of practical knowledge, and decades of experience, I liquidated 200k of 325k from my 401(k) it has yielded nearly 1 m after subsequent investments so far.

can you refer me please

Loren Lena Walker is my fiduciary and my dads estate planner responsible for our families portfolio success, lady is advanced and experienced and has a private client base you can confirm her yourself on the internet, regulation and all.

@@marcoerrett Well we own a horse ranch out in mexico city with just 7 horses now. I love horse riding. Lol. It is a commission they charge on profits accrued on your account so it is affordable.

I was just thinking, that's a lot of house for a couple and a baby. They could have bought a decent house at $400k and had it paid off by now.

People do crazy things .. lmao😅

My us stocks and my credit card rewards thanks these people!!! I will retire rich 😊

It is simple. People learn what to spend is in their pocket

Because living within your means doesn’t get you a sweet trailer!

It's the decades old 'Keeping up with the Joneses'. They probably have social media accounts and post pictures of their new cars. Or they want to out do their family and friends and post pics of their new vacation home, new boat, new jet skis and so on.

Americans are a disturbed lot. Here is one item: "Come on down to XYZ Auto and SAVE!!!!!!!!!!!!!!!" Americans don't even realize there are no good restaurants in the USA. They think the fruit at the store tastes good and they can feed it to their kids. Can't wait to get outta this USA.

My mamas situation is even crazier. She makes 2k a month and doesn't have a penny saved. She's 58 and lives with relatives. She knows she doesn't make enough but she likes the retail job. It's terrible seeing her like this.

The personalities come and go but none will ever give it to you straight like Dave.

So is the cars the issue or the house payment? Because $1300 isnt killing their over $10k monthly income.

I'm floored by this and the numbers. We have under 20K to live off, and we are saving money in the bank - and we are not suffering in our everyday life. With an income of 200K, we would consider ourselves to be rolling in money, so why can't they manage? And why on earth are they living in a house worth 800K? A modestly sized house would be enough.

@@robr268, if they are spending $4k a month on their house and probably another $1500-2k/month on cars. Plus a home equity line of credit, plus who knows what sort of other insane expenses. They don't seem to be "in control" of their spending. I'm in a situation where we have been funding my wife's nurse practitioner degree and are in the process of moving out of state. I'm renting a house in one place and a townhouse in another on $150k income. While paying for all this nursing school debt we took on over the last 6 months and everything else in our life. Once my wife starts working this month we will have a combined income over $300k and our living expenses will drop to $1500/month. We'll wipe out all our debt in the first 6 months and we'll be able to bank money fast. We started out 15 years ago on my single income of $36k a year. We understand the value of money and hard work. I would never sign myself up for an $800k mortgage. It's not worth it. I spend over $1500/month on Housing and it feels stupid.

@@ingridburling8731, it sounds like complete lunacy. When my wife and I started out 15 years ago we were living on my $36k a year gross income. We've kept that same scarcity mentality which has allowed us to save $250k in retirement. My high-school janitor and his wife who worked at the grocery store bakery retired multi-millionaires when I was in high school. He gave me great advice when I was a kid. I took it to heart. Avoid debt and invest like crazy. Some people don't get it. My wife just graduated with her Nurse Practitioner degree. Our income is skyrocketing this year. Our goal is to be the first in our family to create generational wealth. Setup college funds for our daughter and all our nieces and nephews.

That's the $200K question. Dave didn't ask, Where did the $70K HELOC go?

You made a good point. My husband makes over 200k and we don't have any debts except mortgage. We live in LA so our incomes tax is 35% w 50% tax on bonuses. We bought a pre own lexus 40k paying cash. I was feeling extreme pain when we paid it. I would never go back to financing loans crap. We are trying to pay off our mortgage rn.

translation = we can afford the monthly payments

It's sad. If they invested that money instead, in their twenties, at their salaries they could retire in their mid 50's maybe????? Or earlier??????

Too much...

Such a huge difference it makes getting advice straight from the man. I have put 10Gs/mo of blow money into my budget while carrying a house payment around with me before too. He’s really right. If you stop that for like 13 months and pay the house off you can go straight back to it as soon as you want. Or see the value in investing 10Gs/mo and just keep doing that instead. The options are limitless

Lmaoooo where the fuck did you buy a house for less than 200k? Must be nice buying over a decade ago.

Lol. We have the exact same situation except for on 260k $160,000 paid off house 3 cars 8k truck, 8k mustang, and 38k Durango. All paid cash. I didn’t think anyone was nearly as cheap as me.

I am right there with you man. Always good to avoid the gonads being stomped on by creditors.

@@Gavin-bp3xx who needs a dresser when you can store clean clothes in a laundry basket lol

AGE 28!

When I was 28, I wasn't that dumb. I should have bought a house in my neighborhood instead of out of state but who knew that the prices were going to go up so high here

Update: They started off ROTTEN.

mmhm. I learned, just cus you make more doesn't mean to spend more. Easiest way a wealthy person falls into debt.@@randymillhouse791

I remember Vince Vaughn described his body that way once.

I don't think that $1300 a month is hurting them too much when they probably taking home over $12,000. They're spending alot of money and mortgage is probably extremely high.

@@robr268Not the point. They are pissing away potentially millions of dollars on stupid insanely high car payments. These type of people keep car payments forever. Its a cycle.

@patriotdrone9566 I understood the point. They just earn a lot of money. You would think its more debt.

Bet money, they spend 3k+ a month on Food and Amazon packages. 😂

boring

Post Malone moves to Utah. Silicon Valley workers have to ride the bus into San Jose for their jobs.

I see people making a lot less that drive new Dodge Challengers and Chargers who do not own a home.

@@mocheen4837the scatpack and hellcat challengers and chargers are not gonna be in production after 2024 so Its their only opportunity to get it

@@kevinsamson1693here’s an opportunity for them: just don’t get it

@@mocheen4837 they literally spend more on the car than the landlord spent on the house they rent

Most schools do teach about finances but the students, just like most adults, do not see the point and push it down the road.

@@matthewwaters9742No they teach about “smart” use of credit cards, how to take out student loans, etc. They don’t teach about behavioral finance because they don’t understand it themselves. You can’t teach what you don’t know. Love you, Dave Ramsey! Your teachings have transformed our lives.

Bingo! (pun intended)

CONGRATS!! Keep up the fight it is so worth it!! 👏 👍

Hang on tight. My husband and I were there once and we made it to step 6 rn. Keep going bc it will be worth it. 👏!

What John Fogarty told his band after album 1 was a moderate success: "I ain't goin' back to the carwash!"

Thanks y’all 🫡

this gotta be the weirdest YT comment of all time.

SF

No it is not. In the military, there are digital soldiers, spiritual warriors, combat warriors and not just in the military of course, we have online heroes all over like hackers.. Heck even prayer warriors. So it is not weird, you just do not understand. Even seen a soldier behind a computer 24/7? Digitial. Protecting your internet, security, fending off cyber attacks.@@moisesarmando3156​

Those notes are average, if not below average now days. Have you seen the video of the dealership employees almost bragging about their $1200 - $1400 payments? Now that's insane!

Those payments are average as noted below. The car payments aren’t the issue, I bet they spend 3K + a month on Food & Amazon stuff.

The car payments on a 200k income aren’t horrible. $850k mortgage on a 200k income ON TOP of the cars is the problem. $400-500k in a house would make way more sense for their income if they want to keep the cars. We love to pick on car payments nowadays (and don’t get me wrong - it has gotten ridiculous with some of these payments my) but we never talk about being house poor. We make $140k in the Midwest and I was on the fence for a long time about spending $300k on our house because I thought it was a lot to take on for our income. I can’t even imagine a mortgage on an $850k house.. good lord.

AIRPLANE MOVIE: "There's a SALE AT PENNY'S!"

Agree!!! Half that amount is still a phenomenal yet smaller home there

What is surprising is the rage you get from people when suggesting they get rid of their vanity item. Their car is a personal statement. A lot of emotions tied up in it.

@@amylee6038 totally agree. It's a status symbol for them

Yeah right

Yep

That’s what every responsible single adult has.

Cats?

Yep. SMART.

@@aolvaar8792 NO BUT i WILL NOT HAVE MEN LIVING WITH ME. They tend to want to take over stuff that I paid for. Thats why I am divorced

28 is a stupid age. Been there. Was stupid. Have stupid, will travel.

As a hairdresser, when I hear of a kid who cut their own hair, i know they are 4 years old. Never fails.

The most expensive car I ever owned was $15K.

AGE 28!

@@randymillhouse791 Agreed!

A house is not an asset though

@@Cristobal8605 if you think that your doing something wrong

@@michaelgerhardt7130 an asset provides income, a house takes it away. You think cars are assets too, don’t you?

That died with JFK

Brothers can get away with a punch to the face on occasion. If that is not an option and his behavior does not change, LIE TO HIM and tell him you are struggling too. Otherwise, you become the BANK!

They make around $12-14k a month though. It's the house payment that's killing their luxurious lifestyle.

Is the low income housing subsidized by the government / neighbors? I just found out a gallon I know gets her housing subsidized when she could live for free at her job at the YMCA

Gal*

What bugs me about these overpriced cars is that my neighbors now only drive 10 mph because they're so afraid to scratch it.

Do you suffer from proctalgia too?

Me too

For sure. Be prepared before the call!

Because they make good money and they think always will be the same. They don't think about things changing, getting old, or how the future can be.

Lifestyle creep.

It's easy honestly

@@mariorta5017 I retired young on a large Government pension and free lifetime healthcare. If you get there, you will see money different.

Are you 28 hahah

Well from calls I've heard, Dave usually asks, "what's your debt, besides your mortgage?"

Yea, the first time someone has called with a scenerio like this one. Absolutely bonkers.

If he is, give this guy a medal for forwarding thinking