Top 10 Unbelievable Calls on The Dave Ramsey Show (vol. 2) 

The Dave Ramsey Show I been hearing about a movement that is called THE FIRE MOVEMENT that means financial independence retire early

@@LovelyyAubrey I'mi

The average salary for family medicine is $200K a year. I dont really believe this stat, but it says that psychiatrists make around $200K a year.

@@common_c3nts Average is like after 5 years at least, not starting.

@@TechConversations But that is way more than real doctors like pharmacists, foot doctors, dentists. Makes no sense.

Sandra Chatwin cars are the biggest waste of money!!

Sandra Chatwin absolutely, people are mad they overspend to a ridiculous degree on cars

Rusty old cars are a badge of honor....Dont laugh its paid for...lol.

Financial security > flashy cars

AMEN! I've driven Mercedes cars for the past 24 years. Bought my first one when I was 19. But not new ones; OLD ones - 1980s diesels. Back when they built good cars. My daily driver is 37 years old, paid for, restored to near-new condition, no emissions inspections, no check engine light, just a solid old car that any idiot can work on himself. I have another one with 752K miles on it. Good old cars back then. I see the flashy newer cars pass me, and I smile, imagining how much their payment is every month, lol!!

Reggie J hahahahaha

If you really listened to the show, you wouldn’t be broke. ;)

yeah I feel like a millionaire after listening to this compilation

same here thank god after Robet Kiyosaki, Mike Maloney, I endup here

Haha was just thinking the same thing

He’s proud of you. Take care.

Im sure he was proud of you! ❤

What a gift of wisdom he passed down to you

That's a good dad.

Your dad knew what was up 🎉

🤯🤧😰😱😭

Yet the guy is smart enough to pass the bar!

🤣🤣🤣🤣🤣🤣👌🏽👌🏽👌🏽

Haha hahahahaha 😂😂😂😂😂😂😂 It's called American maths

If feel personally attacked by this comment.

No way that would cost 2000 unless she went to the stealership.

The cost to fix her Ford Fusion would have conservatively been only about $600-800. Why in the name of all that's sacred she would get rid of that car to buy a $20,000 Ford Fusion? If I heard right, wasn't the "newer" Ford Fusion only a few years newer than the car she got rid of?

@@robindear5043 it's a woman thing and an emotional decision. I remember when my mom's water heater went out and as we were mopping up the water because the tank busted, she started shouting that she was going to sell her house. I told her that's like selling your car over a dead battery. If women would take an interest in fixing things themselves, they would think more analytically. The only way to have a car that never needs brake work is to not own a car or trade yearly.

I think she was being shortsighted in her decision, and now regrets it. It may have taken a few days, maybe even a few weeks, but she could have inquired around and found a mechanic or shop that could've fixed her car for a reasonable price. I have known just as many men who make emotional, "spur of the moment" decisions, then later, after the smoke clears, they regret it. This has nothing to do with gender. Will she negotiate with the dealership to return the car, even though her 30 days have passed? I doubt it. She didn't mention it, but I wonder if she traded her car in for the $20,000 one, or has it sitting in her driveway?

most people are clueless about cars, a break down in high school and even college education

A good salesman.

Unbelievable!.

How did she get a loan if the car = her yearly income?

Austin Russell Yeah, there must be a great salesman behind that.... Might have never thought of that, thanks Austin

@@Elizabeth-yg2mg anyone can get a loan. You don't even have to put money down 🤦🏾‍♀️🤦🏾‍♀️

Thank god.

What kind of electrical work do you do sir

You still worked and studied ! Smart .

School definitely is not for everyone and it can cause debt if you jump in blindly. However if you get a degree in a high paying career, you can pay that debt off easily with your income. This is especially true if you take study seriously by not flunking subjects and semesters, working a part time job while you study and paying it off as you go. Everyone in my family has followed this formula and been successful with it

Where tf are you making 200k as a sparky that doesn't sound right

That caller was tony swedberg, hes a car sales youtuber

Thank God they fired that fraud-committing scumbag!

@@tobinskaggs5263 seriously?

Yea I'm glad Dave didn't let him get away with that

Car fax is a scam.

IGriff TV congrats!

IGriff TV I start my first car payment on January 30th. I look forward to the day I am debt free!

Congratulations 🎉

IGriff TV congratulations ‼️

Melody Outhaithavy why in the world would you get a car payment.

that's actually pretty good advice

Put a shirt on

Pretty good and lines up with Dave teaches minus a house lol

@@JoshGavin sorry sir.

@@singatias absolutely

She didn’t want to say why. She knows.

Brendan Berney hahahaha yes

Spoiler alert: all of them are in even more debt.

😂😜😜😂

Dawn, Tyler and NoRtHwEsTeRn

Brendan Berney yaaasss tho.. op u kno whats up 👍🏼

Hahahaha!! 😂 this is great

Omg this is amazing. So true 😂

😂😂😂

Lmao

😂

that was harsh hahah

😂😂😂

Abort the baby.....that was stupid

😂🤣😝😄😂🤣

Not funny

Duummbbb!!! 😂😂😂😂

🤣🤣🤣 I said the same thing....too late to cry now

Lol

😂😂😂

😂

You can't cry problems away.

😂

😂😂😂

😂😂

Right?

Same 😂😭😭😭

Better option sign a prenuptial agreement or don't even get married.

Right! I always question why these women want to marry men who have hundreds of thousands in debt. Hypergamy sweetie and have your own thing going SMH.

I’d like this 100 times if I could

hey there Will i have a quick question for you

VP7 exactly. Not sure why people can’t be together til death without a legal document that says “here’s half my belongings.”

I've seen it first hand. Struggled making 40k and then got a job paying 120k and they still struggled

Not necessarily, I don't budget but I live on less than I make I'm debt free except for my house, I save and invest, plus I have nine months of expenses in cash. If you stay away from senseless spending you won't be broke. I'm allergic to debt right now

@@xPRODIGYxGAMER I see your point

So TRUE! It doesn't matter how much money you make, it's how well you keep it.

@@newtonraymond77 living on less than you make is pretty much budgeting. Budget meaning: An estimate of income and expenditure for a set period of time

Me too. But I doubt I'd have listened.

But would you have listened? I heard this stuff, didn’t listen, and now 20 years later I kick myself. All you can do is move forward and make better choices.

@@timetowakeup6302 Yep, it takes making a few mistakes to get it.

@@regul8or71 im 25 not with a lot but basically debt free. Im fin to turn my life around.

@@Iam-ss5tu Not only that, but people our age responding to this advice can inform the peers around us so that they have an easier chance at financial freedom.

Oh yes, Dave is so great to listen to, well informed and straight to the point, but when someone calls in who needs gentler advice he's capable of giving that too. He's the old fashioned advice we all need. I'm so glad he's put so much content on youtube for free, it's helped me a lot to learn about personal finance and get a solid plan for my life

@@Zichqec Back a few years ago (I am dating myself here) there was a fella called Bruce WIlliams on the radio. He did the same ad Dave, but a little drier. I cut my teeth on him but when I met my best and only wife, she invited me to her guest seat at a Financial Peace University sponsored by her brother. How could you NOT love a woman that can save! Dave is excellent.

It's what stupid people need to hear.

She got swindled into it by the dealership. That's why I never take my car to dealerships for repairs.

that was savage, but absolutely true. "Tell me you know that was stupid, right?"

F’real!

It’s really just disgusting how people do this.

🤣🤣🤣

Go sabercats

I don't understand this mentality!! My luck I would be sued.

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@@TinaMylesbot reply to bot comment

I took it as .. it shows that Dave is terribly afraid of his wife. Not blaming the obvious debt culprits for these callers .. THE WIFE , NEVER MARRY

And you can tell it's within the 30 days too!

Her Pride will not let her. She's probably bragged about it all ovr social media, kill her to not live her wonderful Lie.

@@EricSmyth4Christ ummmmmm, I think I just missed it 😂

EricSmyth14 ik😂 she hesitated for the loooooongest time and seemed like she was trying to decide when exactly the 30 days was up. Plus She was really nonchalant about the stupidity that was the decision to buy a car that was greater than her yearly salary on top of student loan debt that was also approx her yearly salary. So yea, she’s probably not gonna return that thing.

She need to take it back, but to buy something for a $1000, probably won't work.

Same hahaha clean the house and clean the mind

Its therapeutic.

😂

I listen to him while shi**ing 😂😂. Shi**ing has never felt so productive.

Quintin Espinosa same here I thought I was weird 😅

He was being stupid throughout that segment. Stupid, opinionated, repulsive.

Yes, indeed, so true.

😂

Mafr0 nah let the stupid suffer, the intelligent will already be aware of this. It's basic common sense lol

They do

Mafr0 or life 😂

I've seen a lot of talk about school districts adding a Financial Literacy class. Make everyone do a book report from one of Dave's book.

marxist teachers would help our kids ? No.

Bahahaha! Thanks for the chuckle!

🤪🤪😁😁

Absolutely!!!! Lol I feel like a very responsible person 😂 and I DESERVE a day of not vacuuming 😂😂😂

SO FUNNY!!!

Lol

she is scummy and just wants to be saved by bankruptcy and eventually do it again

Golden Kaleo there doing well because there health is good and there mentally healthy is great, ya there not financially stable but there ready to learn

😂😂😂 exactly!

bottle doo they’re **

Because we block financial stress from our mindset

Narrator: they indeed were not doing well

Wait, I just realised by reading your comment what a credit card is in America. You can buy something even if there is no money in your bank account?

@@bibaoreo4355 yep. You run the credit card and another company pays for the item there at checkout. At the end of the month you either pay that company the money you owe, or they start charging insane interest on it. If you aren't incredibly careful about it, which %90 of us are, you lose a ton of money using one

I am from Malaysia and working in Singapore currently. most of my friends from Malaysia and Singapore r using credit card for gas with discounted price and buying stuffs with discounted price only. If that thing is too expensive than what they can afford, they won't buy it. For my personal, I just don't use credit card cos I dun need a car.

@@chairmandrek8230 interesting

**Americans**

I mean they'll be making 400k a year. It's a lot different than having a 2k mortgage and making 5k a month, than that guy that could have a 2k mortgage and make 35k a month.

And they can get forgiveness after ten years

Touché

Poor men are being tricked into marriage to become financial rescue plans.

😂😂😂

Lol

Honestly feel like these aren’t that uncommon alot of people live similar to some of these

these people get in the situation theyre in because of social media... they see someone else who financed a car thats way above their means, and want to look as successful, its a horrible cycle of trying to make your life seem better than it is

@@justinc2633 Exactly right. I saved myself a lot of money simply by ignoring the social media rat race.

@@Miranox2 same haha, completely pointless

😂

@@justinc2633 fr ppl needa stop doing that

Kody Eldridge me too hahahaha omg 🤦🏾‍♀️🤦🏾‍♀️🤦🏾‍♀️

Taking confort on other people’s issues does not fix your own. Use them as a cautionary tale. 70k in debt 3 years ago... 20k left to go.

Yeah! Let that ego grow baby! you need to dream bigger buddy

For real. I need to continue listening cause I am not trying to be on their level. Bout to workon my debt TODAY before I call in sounding like them.

gia stone what is a first grade brother?

@@user-qr7eb1sf3l My brother would be in year two of primary school in England, I think. The US does everything differently and I hate it.

@@watcherglowcloud saying "1st, 5th, 12th grade" is much easier than "first/fourth year of primary/secondary/whateveriary school".

@@garretteckhardt6665 I agree. I think this is something American's do that makes more sense than how they count the grades in the UK.

MsClarinut in the UK I think it’s much simpler ( fair enough it’s how I grew up ) but it’s just year 1, year 2 all the way up to 11 then you go to college or sixform which is classed as year 12 and 13.

Dave: How are you? Caller: Well, I called you, so.

Lol

I teach esl. Saying Good is a social convention expected by everyone. No one in casual conversation wants to hear your problems

@@georgewagner7787 right

@@georgewagner7787 wrong, stop teaching people this.

Ahahahah me too!!! Had to lol

Way to go... follow Dave's Baby Steps and you'll be on your way to financial security. I'm 62 years old and discovered Dave two years ago. I've paid off over $15,000 In debt during that time and am now on Baby Step 4. My only regret... I wish I had heard about Dave Ramsey twenty years ago. His methods WORK, and if you're willing to commit to this process, it will, as Dave always says, "change your life."

@@oldwestguy what are those steps?

@@twincherry4958 You can go to Dave Ramsey's RU-vid site to get the details, but basically they are the following... IN THIS ORDER: 1) Save $1,000. in an emergency fund. 2) Pay Off All debt, not counting your mortgage. 3) Save 3-6 months of your income. (Basically, a continuation of step 1.) 4) Save 15% of your yearly income in a retirement fund. 5) Save/invest in you children's college fund. 6) Pay Off your home early. 7) Build Wealth and be very generous along the way.

oldwestguy glad I’m 17 watching this gotta learn early

@@ADUSN bu, bu, but america is the best country in the world.

Just got a car and we paid it off feels good we don’t have a car payment

Fazal828 I thought I was the only one that heard that absolute stupidity

Because of brakes and CV axles, I paid 20k for the same car but 2 years newer. LoL

LOLOL. Makes sense to me. I may not make much, but I want everyone to think that I do. I’ll skip out on rent to make my Beemer payment. After all, I’m entitled to a luxury car even though I work as a cashier at Dollar General!

but people do it all the time because they don't understand that credit today means less spending tomorrow.

EXACTLY!! YOU KNOW that was stupid!

Not every caller.. Num. 2 is different

I’m 24 years old, 653k in debt, partway through community college, 6 kids and about to get married. I make 12k a year and going to major in gender studies to help the black community and be a social justice warrior. I leased a brand new Lamborghini Urus and my husband is a stay at home dad. Should we pay off student loans, or the Urus?

So true.

@@wanilimbe 🤣🤣🤣🤣

No that much jobs for psychology. Go for nursing.

Uneducated peasant

SuperSimpleasthat Dude, your sick. I legitimately hope you never mess with anyone again. This man is letting us know about his success and your hating? Please go to a Facebook conversation and stay off of this mans success!

I drive a truck too. Never been in debt and put away 22k my first year, that's with a starter company. It's crazy to see the amount of debt people incur to make the same amount of money we do...bunch of suckers

Dude you are a hero! Hoping you preach this to everyone around you.

@@MrJohn-kb1eu they aren’t suckers, they’re misinformed or uninformed. That’s why they call for Dave’s advice. Just because you made a good decision against the grain doesn’t mean no one follows suit. Some people are just need a little push to become better and it’s a little disappointing you’d even call them that instead of being informative. But good for you

i swear half these people expected dave to write them a check

@@justinc2633 fr they ask for help then don’t like what they hear

Right 😉🤣

@@emmaLFC but isn’t that how people are? That’s human nature. We prefer laziness and the easy way out. And we wonder why society is so messy.

Raul Toro I’m good. Just lost my job this morning 🤣🤣🤣

Sometimes its a mutual separation. 🤷🏿‍♂️

Not much sympathy, wasn't he ripping customers off?

Some dude called once and said he's better than he deserves but dude was hundreds of thousands in debt I yelled out "dude you aren't better than you deserve "

*Margaret Aufmuth* 🤣🤣🤣🤣🤣🤣

I just spit my coffee out!

😂😂😂 and “I have 4.6 million dollars in credit card debt”

lawn lawn lawn 😂😂😂

Eh anyone can get a job but a career..

I wouldn’t either, seeing as he is a family physician

" I'm sitting here, I can't even breathe, it's not even my debt😄"

Yes that was so rude.

Hey, he's calm under horrible pressure! It might work! (If he were a surgeon, that is, and then he'd make more money, too!)

😂😂😂

whyjordie she’s already regretting that decision I bet.

Finn you really think they would take the car back? After the 30 days?

I think she lied about the 30 days too. She just didn't want to take it back.

Yeah, there's something super odd with that whole situation. She almost sounds like she suffers from depression.

MsClarinut You’re probably right. There’s a deep dark abyss there that tells the real story that’s not being acknowledged.

shes paisa my wife and in laws talk like that. Kinda like the family guy cleaning lady. I mean im mexican too but i dont sound like eore.

she is a drug addict

@@KatieBellino Or not bright.

THATS BEST OF NEWS. SIMPLY OPEN A SAVINGS ACCOUNT AND SLOWLY GROW IT. EVEN IF YOU CAN AFFORD TO PUT AWAY $10 MONTHLY, ITS STILL GROWING YOUR MONEY.

@salabh S.G a peasant life is good as long as you can pay your rent, food and save for a rainy day money then you have a content life.

Same, really low income with no debt. But really poor.

And you have the internet as a peasant? I don’t know..you may be bettter than you realize:)

Keep doing what you're doing and find a way to bring in some extra income. I personally recycle cans and invest in the stock market. It will get better stay debt free!

My newest and most expensive was 10,000 3yr old. I'm 69 with no debt.

😂

😂😂😂

No please dont.

@@buffaloben15golf88 why

😆 🤣 😂

😂😂😂😂😂😂😂😂

Dave needs Big Dragon on the show

Good analogy

Guy Zandler I gasped when she said 20k on a car. I can't understand people and their obsession with owning cars they can't afford😑

zinab2blessa Blame car commercials. They show good looking cars doing things you can't do legally all over, as well at tempt you with "deals" that put you in debt.

Everyone sees ads for things they can't afford but it isn't really an excuse to get in huge debt.

There's also the whole "We need a new car, and they go to get some fancy one at a dealership. Even though a used one at $7000 would work just as well, they want the nicer, newer $20000 one, and keep up with the Joneses. It's stupid, and we all know it, but stupid seems to be the new normal these days.

zinab2blessa I can’t understand people who have credit card debit the price of a 20K car.

😂🤣👍🏽

That's how we do that.

3 hundies? Or 6 Fitties?

Volvo 740 life aint bad

Stay weird!! 🤘

Carol Brewer bills 💵 bills 💵 bills 💵 bills 💵 bills honey❤️ I makes 18000 dollars per year my savings account have $4000 and I have my rent credit card my 2 boys thanks 🙏 god my boyfriend give me money 💰 every week

Just because you make that much that doesn’t mean that’s what you take home. That’s how life works young man

Professional Degrees cost a fuckton. I graduated with $250k in debt at not a good interest rate.... I make good six figures but it's still gonna take me a decade to pay off ... it's insane.

Just because someone makes that much doesn't mean they know how to live below their means and save their money

Collin Mac first of all, I am a woman. Second of all, you have to be dumb if you make 100k per year and don’t know how to control it, how can you spend more than you can?

Sometimes too blunt.

Michael Jenkins, like, you realize yours weren’t so stupid after all? Or are you identifying too much with these callers? 😆 It’s all good, we all need a dose of this medicine.

SERIOUSLY

this why I aint making none

@@keepyourheadup9183 Both. Not acting as unwise as these callers, but we are realizing we're not headed in the smartest direction.

This vid made me change my mind on an expensive luxury apartment that I was planning on moving to this fall. I guess I'll just stay where I am and continue to save my money lol

Dude cv joins are 200 each max, breaks maybe 400 if they make you do roters... so maybe 1k after labor? So just buy a 20k car! Mint!

Why sink money into a car thats pure garbage?

no, you're just less broke....

That's not bad :) and you can pay that off :D

I paid mine off with a home equity line of credit :)

Ryan Turner Baldbrah!

I felt the same!!!!

Aaron Fisher you go Aaron!

Aaron Fisher how did you pay that much over 4 months?

Aaron Fisher i used to do that when I was younger and stupid lol paying a little more than minimum and wondering why I couldn’t pay off lol...Now I pay them off every time I use my credit cards.

@Kara The Love Bug you'll be calling Dave in 5 years crying like a baby hahaha

@Aaron Fisher I thought I was reading about myself there. 8k debt with a 30k job. Guess I have to tighten up the ship myself and get out under this.

Lol your picture described that call PERFECTLY

I was 67K (all student loans) in debt 3 years ago. It's now $17K. Staying consistent is key. Also you may wanna try some rice and beans sometime 😁 keep your eye on the ball. You can do this!

@@kramez9156 🤣.. Rice and beans with some fried eggs. Or pasta and sauce. All cheap alternatives. I am going to be death free this week. Only mortgage now. Stay strong folks. Keep the goal in front always.

I,

Congrats! Stay strong!!

Beans and rice with Mexican blend cheese on top is also delicious. My husband and I are debt free for over a year now but we still eat beans and rice once or twice a week because we like it so much.

LOL !

Unbelievable!

time to buy a new car

@@ronaldrickard3551 Nah time to lease

@@brettfriedman587 Nah time to get a D.U.I with 4 kids in the back of the $40k New leased sports car

😆

Facts

A wedding doesn't have to be expensive. The court house is very inexpensive.

Shay t. Think what she means is that you shouldn’t wed someone wit so much debt LOL omg the bride stoopid 😂

Facts

Hmmm .. you're right

Oscar Ntsintsi of

My best friend went to Cape Town for a speaking tour and along the way met his wife. I have met so many SA folks in the US and I have respect for them as we were once like them, but our culture has changed and we are not as strong as they are. I have been fascinated with the nation and have been learning Afrikaans language going on 2 year's on Mondly Language App. I have been #1 in the US a few times and I know thousands of words, a few hundred phrases and enjoy learning more. I don't know if I will ever be able to do sentence structure or Grammar well, but I hope when his wife is here that we can both teach one another language. What part of the country are you in? What type of work do you do? 🇿🇦🌝

My money says she did also. She really didn't like the idea of giving it up. She just wants to live like a queen on a fishwife budget.

In a Ford Fusion?!?! Theyre not even good cars!

EmperorTokugawa Right!

Mars TV by nikki bass haha I was thinking the same thing.

+EmperorTokugawa the ford fusion is nothing but the offspring of the ford taurus!