We're $500,000 In Debt!

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We're $500,000 In Debt!
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2 июн 2020

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Комментарии : 365

@TheRamseyShow 4 года назад

Get life-changing financial advice anytime, anywhere. Subscribe today: ru-vid.com

@coolkidd3787 4 года назад

Dave Ramsey thank you for what you do I'm on my way to becoming debt free my goal is currently to make a way to get into financial peace University for more assistance and I am almost convincing my wife to join .ur knowledge and vision has made impact thanks!

@stubbypopsicle 4 года назад

Thank you so much for all your advice, your words always speak true. bless!

@JustC1226 4 года назад

How do they find these jobs?

@ktsterlin9304 4 года назад

This is the first caller that I have heard that turned to their spouse to ask a question. Mind blown.

@mattschmitt9924 4 года назад

@American Restoration Initiative me thinks you pasted your words in the wrong comment section.

@mattschmitt9924 4 года назад

@American Restoration Initiative depends... What is your household income?

@michemash8860 4 года назад

@Matt Schmitt Thank you, Matt 🤣

@mattschmitt9924 4 года назад

@@michemash8860 It is my pleasure. Thank you and have a great rest of your day!

@tomaitoe 4 года назад

Did you see Dave's reaction? His eyes got super wide LOL.

@thomasmorrison3279 4 года назад

More degrees than a thermometer and no common sense. I could not sleep if I had $500k in debt with no mortgage.

@nsbioy 4 года назад

Not with your income pushing $400K. That's not the best situation, but it could be a lot worse.

@TimeisUp22 4 года назад

nsbioy She said 370k gross after taxes it’s less. On top of a divorce strain because he is overseas.

@mesoanto1031 4 года назад

😆 That call was so energy draining But your comment restored my confidence in humanity

@d.gilmartin3857 4 года назад

I would actually recommend everyone to use the help of a professional so you do not ruin your credit the more. I used the assistance of a credit repair specialist to fix my credit profile, he also cleared all my credit card debts too and that improved my score by more than 97 points. Just shoot him an email (Contact@Creditpatchup. com)

@TimeisUp22 4 года назад

Josh Are you guys not considering the divorce part of this? She is saying she makes 120k with only 30k of the debt and wants a divorce. She’s not going to stick around to pay off his 470k. Most of the debt is his and he’s never home to cater to the marriage because he has to work for the debt. That 370k is not promising to him. He’s in deep bulls🤬🤬t right now.

@Brokeasweat 4 года назад

They cant survive on $100k a year and pay the debt in 2 years?

@insideoutsideupsidedown2218 4 года назад

Downgrade their lifestyle?? Are you insane? They sound like spend it as fast as we make it people. Gross 350k and still need to show the Jones' at the end of the cul-de-sac that we are important, look at our money

@betohax 4 года назад

Half of it goes to taxes they said their gross pay, not pay after tax

@hornetguy9063 3 года назад

Yeah I think Dave Ramsey forgets about tax a lot in this scenarios. Especially in California. Probably something like 40% of that money is being dumped down the rat hole in income tax and other deductions in California. Doesn’t even count local non-income taxes. And of course, the federal government only allows you to write off student loan interest if you’re under a certain income level. They have essentially $210k to work with after expenses. That can go fast if 2/3rds of it is going to loans, and 1/3rd is going to living in California

@ACCOMPLISHEDSHEIS 4 года назад

PAY THE DEBT FIRST BEFORE YOU CREATE MORE DEBTS. NO WAY.

@davidaguilar1174 4 года назад

I would actually recommend you use the help of a professional so you do not ruin your credit the more. I used the assistance of a credit repair specialist to fix my credit profile, he also cleared all my credit card debts too and that improved my score by more than 97 points. Just shoot him an email (Contact@Creditpatchup.com)

@noahgomez4828 4 года назад

@@davidaguilar1174 Well I have been working with Lexington law firm but it's still slow progress. But I will give him a try

@MarkZimmerman 4 года назад

MUSIC CHANNEL Pay the debt and stay off! Don't create more!

@mkite715 4 года назад

David Aguilar the need for a credit score goes away if you stop borrowing money. Only way to keep up a score up is to continually borrow money and go into debt. And the only reason one would intentionally set out to keep up their score is because they plan on borrowing money and go into debt.

@chucky2569 4 года назад

they're in debt up to their eyeballs and they're talking about getting more debt going back to college when their gross income is over $300,000 a year ..downsize.. work the baby steps. Rice and beans beans and rice

@diannyzapata 3 года назад

I literally just said the same thing

@brendondowdy5651 Год назад

@@diannyzapata almost always agree but earning potential changes things some times.

@ttr8141 4 года назад

Glad to see that both Anna and her husband are on the call so they can work together to tackle the debt.

@justinbratton1235 4 года назад

Very true.

@liveyourbestlife143 4 года назад

We are down to 1,700. I'm still working 3 jobs. Cant wait untill we reach the finish line.

@mattschmitt9924 4 года назад

So close you can taste it... You got this!

@mattschmitt9924 4 года назад

Thomas Sowell once said something to effect of, "The best thing I got from my Harvard education is that I don't have to be impressed with your Harvard education."

@justinbratton1235 4 года назад

Love Sowell

@LittleHatori 4 года назад

I remember another quote I liked from Sowell. But cant remember it word for word.. something to the effect of- "At these schools they affirmative action blacks which r used for window dressing. Simply to show their diversity"

@overcomer4226 3 года назад

A 100 grand for a masters in what

@joefunk76 3 года назад

@@overcomer4226 Wasting time and money, with high honors

@mohitnikumbh593 4 года назад

I don't understand how these people start with "I'm great" or "I am good" and then suddenly start to cry about their debts.

@williamnettleton3413 4 года назад

It's a psychological norm we have as a society. It's quite interesting if you like how the brain works and what we do innately. It's a habit for us to not project problems outwardly to people we talk to. Our brain makes us work into it slowly or secondly. And we see this every day, you come home from work wife asks how your day was. You say good... But tiring. We put good before bad, and then dwell on the bad. It's interesting.

@ThinkMoneyBenny 4 года назад

I'm not surprised. People make so much money with nothing to show for it.

@Moloc2230 4 года назад

@Beentga757 yes you're absolutely correct

@anitaknight3915 4 года назад

@Beentga757 the more you make the more you spend! Like Dave & Dr Phil say it's a behavior/emotional problem not money problem.

@NoRecourse1785 4 года назад

There's usually things to show for it: a lot of toys that they get bored of quickly and a lot of failed relationships that came second to the career.

@gardenofe12 3 года назад

I’m not !! They’re spending like they make that much !! They don’t know how to save !!

@thecatnextdoor12 4 года назад

Easy Cheap Beans Recipe: Sauté onion and garlic in olive oil. Stir in beans, add water, and cook for 15 minutes. Sprinkle with salt and pepper. If feeling fancy and just got a paycheck, add tomato paste for a variety.

@Sunshineon5724 4 года назад

Awesome lol

@sup_monica3597 4 года назад

As a latina, that is an awful and bland recipe.

@titiscreations9554 4 года назад

lord there are so many different things i feel for this couple honestly.

@roscoeelcocko1863 4 года назад

Really? I dont.

@JugglingFinance 4 года назад

Good thing they are both on the same page

@overcomer4226 3 года назад

These people are incredibly spoiled

@genxis6097 4 года назад

Dr. John needs a fidget spinner.

@mattschmitt9924 4 года назад

Or some Ritalin... He's as fidgety as my 9 year old. Ok, nobody is as fidgety as my 9 year old...

@txbre8758 4 года назад

He probably has a bit of ADHD like me lol. I do that lol!

@justinredman9463 4 года назад

Dr. D. is a great addition to the team. Good demeanor.

@deshawn1801 4 года назад

Imagine being half a million in debt when you could have half a million in the bank 🥴

@GabrielHernandez-zf2ys 4 года назад

They can't even afford rice. They're eating only beans.

@Sunshineon5724 4 года назад

Lol

@tommytownsendjr.4003 4 года назад

Lol that’s actually funny

@elizabethpalu2447 3 года назад

🤣🤣🤣🤣

@kitsontuli2713 3 года назад

Nah noodles

@mzcain1521 4 года назад

She said they netted $125K from the sale of the house but only have $80K left. What did they do with the $45K? Why does she still have $32K in student loans? Why didn't they pay off her student loans at a minimum? She is blaming the husband for everything but takes no responsibility for her part in where they are . . . she chose this man that didn't want to be home with his family . . .

@xman666soad 2 года назад

Ma’am, you have my utmost respect. I didn’t even think about that perspective but you are 1000% correct on asking those very important questions .

@alphamarshan 4 года назад

Sounds scary but something doesn't add up. They're making $370k/year total income, but they don't anticipate paying off the debt for another 4 years?

@charlieulmer-scrantonscomm2388 4 года назад

Expensive lifestyle!! Spend like their in Congress!

@queen.kristal8395 4 года назад

I know right some people will die just to make that.90% don’t even have that type of income.

@ignaciom32 4 года назад

After taxes they are left with about 250K. That would probably take 3-4 years to pay off because they sill have things to pay (health insurance, utilities, housing, food,debt).

@rathelmmc3194 4 года назад

Queen. Kristal, 99%. Household income for the US 1% starts at around 400k a year.

@insideoutsideupsidedown2218 4 года назад

@@rathelmmc3194 the rest of us, 52k.....

@Bidenisafraud 4 года назад

370 a year and a complete mess. That is America.

@rollingacresfarmstead206 4 года назад

that is stupidity

@alcinobenfica 4 года назад

@@rollingacresfarmstead206 no its the american dream .....you have to be asleep to believe it

@NoRecourse1785 4 года назад

No, that is human stupidity. Best part about America is that we can make our own decisions for the most part. That comes with responsibility. Pushing that responsibility off on "America" is childish. Freedom comes with taking responsibility for our actions and if we do not assume those responsibilities then someone else will (eg Government) and take away our freedom thereby.

@betohax 4 года назад

Half goes to tax

@hornetguy9063 3 года назад

C Engler this is correct. Modern leftism around the world has basically devolved into “no one should ever suffer for their mistakes”. $468k of student loans? Well, that’s a mistake. The cost of that is that you have to work whatever job pays you the most amount of money. Even if it means having to spend 80% of the year in the Arabian desert or Arctic circle.

@michaelmoore-realestateage176 4 года назад

This marriage seems doomed. Too many threats of divorce for it to be sustainable

@scott-uu3qc 4 года назад

Yea she is ready to give up much too easy. He is better off without her and will be much more successful.

@scott-uu3qc 4 года назад

@tahoemist98 you already lost.

@kiksocks12 4 года назад

And yet they’re both there on the phone together and on the same page - don’t see that from many callers on this channel

@scott-uu3qc 4 года назад

@@nekolu she is the common female with a common simp.

@bigjack79 4 года назад

Exactly. One foot in, one foot out.

@khangelwakhathi508 3 года назад

Even though they seem like they are planning for a divorce, the fact that they are on the call together AND they are going to financial peace university AND they are going to a marriage counselor makes me believe they will make it. They definitely have a chance to make it.

@talyahr3302 3 года назад

Agreed

@bjkarana 4 года назад

They couldn't possibly live off of less than $200k per year, meanwhile, there's a couple down the street living off a measly $100k per year (they clean their own pool).

@TheDriller100 4 года назад

Been working in oil and gas for 15 years. Each month a pack my bags and I leave my wife and kids for 28 days. I've been working International for 10 years. It never gets easy leaving them but thanks to the strong woman I have at home we are able to have a pretty amazing life. The oil and gas is not for everyone and you have to give up a lot. I had to see my daughter be born through Skype while Working offshore in Australia. I make amazing money and it's tax free. Oh and I only got 9 college credits🤣🤣🤣🤣. And I owe it to my strong wife at home.

@Michelle-mv1qr Год назад

What do you do in the industry without a college degree?

@Gaia5D 4 года назад

Debt causes so many problems in relationships. I feel like a huge part of their marriage issues are this $500,000 debt!

@CounterRyu 4 года назад

Gaia 5D Atleast they’re making a bunch of money... but that’s an enormous amount of debt.....

@MusicPhrase 4 года назад

Dave's advice is always spot on, but man he really needs to do better math with these projections. 370k after taxes leaves you with less than 250k take home. So, they cannot "pay off 250k per year and live off of 120." They can maybe pay off 230-40 per year and live off zero. Or they can pay off 200k and live on 30-40. But, that's the bare minimum.

@Jikjuka 4 года назад

I agree and she gets taxed too so probably they take home around 205 to 210 a year, they live in CA where average cost of living is high, add to that approximately a total of $30k year just in student loan interest. 4 years sounds about right.

@ed_hodge58 3 года назад

Dave either needs to use a tax calculator or ask for their net income. Neither are difficult to do but the impact on the advice he gives and the plan they make will be considerable!

@AaBbCcDdEeF 3 года назад

Dave lives in the ideal world that doesn’t have income taxes.

@tray-j 4 года назад

Another degree is not going to fix money problems

@pigpocketinvestorguide5120 4 года назад

It always surprise me when I hear story like this. How can you get to this point???

@benreilly595 4 года назад

We are already 300 in debt what's another 50k?

@danclapper626 4 года назад

Very easy if you don't take responsibility.

@DisabilityExams 4 года назад

Folks can outspend any income. Any income. Any.

@pigpocketinvestorguide5120 4 года назад

I was many time in financial problems..... just please people start to save and be smart with money. I do already few years and it work. Fined me on my channel. It about saving money 💰!!!!

@yuramandziy2377 4 года назад

PIG Pocket Investor Guide I’m already inscribed!!! Good luck everyone!!! Stay healthy!

@nicodemuswellington9762 3 года назад

Dave needs to take income taxes into account when paying off debt.

@jimroscovius 2 года назад

He does.

@anbay3213 11 месяцев назад

I think that's why he tries to get everyone enrolled in either his program or with a financial coach who will work through those issues and many others.

@taahdaah3813 4 года назад

It's weird that everyone making 40k can figure out how to pay off this debt in 2 years but these two can't see it.

@cancel.lgbtq.6892 4 года назад

Different mentality ~

@tamaralaird3389 4 года назад

What you make does not equate to intelligence. My dad's a millionaire made no more than 30k a year for 50 years.

@webfreakz 3 года назад

@@tamaralaird3389 how?

@ADM-wt9cn 3 года назад

So much more going on in this call then just tackling debt lol

@rorybray7487 4 года назад

These people seem to have the worst money management skills of anyone alive.

@edkennedy7952 4 года назад

No doubt.

@craigslistrro709 4 года назад

Wow. Cry me a river. I make 36k a year and managed to stay out of debt and buy a house.

@brianpitsilides5337 4 года назад

Dave - "Step one: Pay off all of your debt."

@davidaguilar1174 4 года назад

@Gregoman89 4 года назад

David Aguilar I would recommend people listen to the rich guy with a million + followers and not a credit scam.

@GChan129 4 года назад

@@davidaguilar1174 I live in Europe. The idea of getting a credit card to go into debt to get a good credit score is SUCH A CON!

@noahgomez4828 4 года назад

@@davidaguilar1174 Well I have been working with Lexington law firm but it's still slow progress. But I will give him a try.

@brianpitsilides5337 4 года назад

@@davidaguilar1174 Nah I'll pass.

@DJ-ws6je 4 года назад

Lady to her husband : "How long have you been making that?" Dave: @.@ ?! 1:10

@wkhristafer 4 года назад

DUDE! Where can I get into these high overseas jobs?

@JK20239 4 года назад

Oil jobs are the first to go when the oil price dips. No severance no anything. You literally pack your things the day you get canned. This industry's nail in its coffin was in 2014.

@connietimoney4447 4 года назад

@@JK20239 No harm have destroyed the planet with carbon.

@V.Hansen. 4 года назад

@@JK20239 with that money I'll have my own severance package in a year. I'll risk it.

@TheDriller100 4 года назад

Joshua I've been getting a pay check since dec 2005. Yes there has been some bad years and yes lots of people do lose there jobs if they don't have a lot of time In the industry. Im a drilling consulting working for Saudi Armco but it's taken me years and years to get to this position.. back in 2012 I figured out that over seas work is a little more steady than the lower 48 and we don't pay taxes 🤣🤤

@iro3952 4 года назад

So the remaining 468k is his student loans? I’m not sure if I missed it

@CaseyBurnsInvesting 4 года назад

Wish they would’ve found Dave 500k ago. Geez

@alexisjankowski3281 4 года назад

I know! They were killing the income game, but their industry is changing. Hopefully they can pull through.

@MrJimmy3459 4 года назад

These people make extremely well salary's and want to go in debt to go back to school.... WHY?

@Nonameagain80 4 года назад

Because they have alot of debt- the American way, make more borrow more want more

@cancel.lgbtq.6892 4 года назад

Because they are stupid. If you make over 370k and have debt problem. The problem is you , not the debt.

@lcastill2013 4 года назад

This was a great call! Good luck guys you can pull out of this ! 🙌🏻

@jorgelarios5601 4 года назад

John asks why they are getting divorced and she put the blame on her husband.

@marcelle215 4 года назад

I'm not squarely blaming him...but they are in counseling AND he was on the call-So maybe there's quite a bit of truth there? Also...and im not in their marriage so what do know...BUT the overwhelming majority of the debt is the husband's and he's also gone most of the time for HIS job. Now obviously marriage requires sacrifice, compromise, etc...but i can see how she might be resentful. Not excusing it...but it makes sense

@jorgelarios5601 4 года назад

@@marcelle215 Ok

@marcelle215 3 года назад

@Antoine Carey interesting assumption. Perhaps it doesn't "only makes sense" because im a woman; perhaps youre not able to see (not necessarily agree) because you're a man.

@greenAbbot 4 года назад

Income: 370k 250k towards debt Live on measly 120k Ignore the 130k you owe the IRS Better use some of that 120k to save up for a good tax lawyer...

@friedrich8322 4 года назад

Can you not write off student loans on your taxes? I am from Germany and here you can write off expenses from university later in your life (obviously there are limits)

@mikescorner940 4 года назад

qwertz asdf Not when you make that much $.

@JK20239 4 года назад

It also depends if he even makes 250k for those years you plan to pay back debt. Oil and energy are dumping workers now. It's a dying field.

@wkhristafer 4 года назад

Money made overseas is tax exempt to a certain point

@mikescorner940 4 года назад

The tax treaties that the US has with other counties do not include income up to 375k, and depending upon where he is working, there would be foreign taxes owed as well. There is no place that a US citizen can have 375k of EARNED income and no tax bill. Yes certain tax treaties allow for tax free income up to a modest amount, but at $400k, you’re going to have a bill.

@Globerson 4 года назад

The oil industry is “iffy”!? WHAT😂

@Je.rone_ 4 года назад

They do have a big shelve to dig, on another note I think most people who make about 4 times the national average *tend* to focus a lot on work, at the expense of other important things

@paw7110 4 года назад

The minute I heard the caller say 2024 I knew Dave was gunna go in deep 🐥🐥💰💰

@Fullrusher 4 года назад

She wants a man that makes a lot of money but it sounds like she can’t bare the fact he has to go for work to earn it . She needs constant entertainment and that’s gonna cause more than just money troubles for the guy

@mesoanto1031 4 года назад

What comes next is the divorce and he still have to work to give up 50%

@V.Hansen. 4 года назад

She makes 125. I did not get the feeling that she needs entertainment and a man that made a lot of money. Projecting much?

@greenluxi 3 года назад

@Rocky Capone I don't know she's making a lot of financial sacrifice for this dude. She only owes $30k and makes $120k, That's a very manageable debt to income ratio. She could get rid of that in a year. He, on the other hand, has $470k in debt and makes $250k that's way less manageable. She now has to rice and beans for this guy who she also can't even spend time with? Basically, she writes a check to him and she doesn't even get to have a relationship or a romantic life? It feels like she shouldn't have gotten married. Now she's legally liable for his education and he doesn't even have the time to be a husband, why did he get married?

@thedhive6512 3 года назад

Making over six figs and your thoughts are "lets break up and take on more debt"? The f*ck?

@sandyseibelhager7131 4 года назад

So we have $500,000 debt and make $370,000 a year but we want to go $150,000 further into debt so that we can make even more money. Am I hearing this right?

@gsquared2394 4 года назад

“Hopefully” make more money. Maybe.

@mr.speyside5240 4 года назад

Yup. Completely asinine!

@cl8wnm5n Год назад

Pure STUPIDITY

@luminous6969 4 года назад

Yet another "I'm smart enough to make 6 figures but not smart enough to pay off my massive debt oh and by the way I want to take on more debt" calls.

@nadiaishaq9156 4 года назад

They are making way too much money to be in debt. Idk what the debt was on because the house was sold. Things not adding up

@aubreytraverse. 4 года назад

Good lord I hope they can get through this stay strong

@HDeemand 4 года назад

“Are you both asking that all of these questions?” Good one Dave. All the demands sounds very one sided in my opinion. I feel bad on her other half! Perhaps Trust is the major issue not money?

@edgehodl4832 4 года назад

I dont understand how can they be 500k in debt with 370k income, make no sense

@phaldaz 4 года назад

In a weird way, it actually makes MORE sense. Once someone makes a certain amount of money, the human nature kicks in and says 'I'll use their money and protect mine' which is just a way of saying 'since I have a lot of income/capital, folks are willing to bend over left and right to loan me money'. Take that philosophy and multiply it by security in one's job and a years and boom .... $500k debt

@edgehodl4832 4 года назад

@@phaldaz I make 200k and got 500k networth, and I dont even try hard, meaning I do spend sometimes without budgeting. There is no amount of lattes and coffees they cant justify 500k debt. With their income and 500k dent, they had to deliberately go into debt, meaning they had to really try hard to do that. That's why I dont understand this call.

@dannygg8758 4 года назад

@@edgehodl4832 what do you do?

@ew2645 4 года назад

Financial train wreck.

@davesondergaard6875 4 года назад

I worked with a lot of these people in the oilfield, 250k / year they all had tons of debt. I know this is contrary to Dave Ramsey's advice but he needs to get out ASAP and get some other job because this job can end next week and he will be making 60k at best. The skills he has just are not applicable to really anything else.

@Omikoshi78 4 года назад

0:38 Ramsey holding himself back from going super sayan.

@carojames6776 4 года назад

EDUCATION EDUCATION and still as broke as my Nanny's best piece of China.

@nsbioy 4 года назад

You can keep me in jail, but you can't keep my face from breaking out

@aririyadh8359 4 года назад

They earn $370k together, this is a storm in a teacup, UNLESS of course they spend like idiots, which most people do.

@amalHope3 4 года назад

$370k income?. You can live on 90k and pay the debts in two years

@PInk77W1 3 года назад

I’m a high school drop out I make $54k I have no debt I have no car I have no mortgage I paid cash for my home. I never done drugs Fear debt people. Live below your means Eat at home. Don’t buy fancy toys

@patty109109 4 года назад

Dave once again doesn’t know people pay taxes on income.

@LTJuni0r 4 года назад

Seriously. 370K gross looks like 220K after taxes.

@harrykam28 4 года назад

L Boogie nope 30% of 370,000 is 111,000. That comes out to $259,000. Throw 200k towards the debt and live on 59k per year. In two years they will be done!

@jhoffman81 3 года назад

Imagine if I told them I am into six figures, I have an associate in applied science, my total out of pocket expense was $28k

@talyahr3302 3 года назад

What do you do with an associate in applied science?

@jhoffman81 3 года назад

@@talyahr3302 ... software. Ive run the whole spectrum from developer to system reliability. Currently I am a software development systems engineer. My degree name is pretty generic its full title ends in "emphasis on internet technology". Ive been in this computer game awhile too, graduated in 2005, I didnt get here over night.

@2014kaydee 4 года назад

Dave must have the patience of a saint. They have $500k debt but make over $300k combined and can’t figure this out? This is a conversation I would it be able to handle calmly.

@CreativeMonsterx 4 года назад

Beans and rice, rice and beans.... and we're talking about the Aldi brand!

@geezy4000 4 года назад

Hey Dave should I do the baby steps in a different order.....?

@Stickers 4 года назад

Dave tells people to follow the baby steps in order. Which steps are you considering going out of order for?

@geezy4000 4 года назад

@@Stickers I guess you didn't watch the video.

@SingleLadyFinance 4 года назад

Everyone has to start somewhere

@sidharthchand8072 4 года назад

Is this Russ from 90 day fiancé on the phone lol

@Dr.C_Stag 4 года назад

This is the biggest eye roll video I’ve ever seen on Dave’s show. 😑

@Sam-be4yy 4 года назад

What a loaded introduction...

@cancel.lgbtq.6892 4 года назад

Came here for all the expert answers in comment section~

@bigdogboos1 21 день назад

i am just amazed at how many people have zero clue. like wtf do you think a "masters" or "going back to school" will do unless you are a doctor or surgeon etc?

@beastfromtheeast9318 4 года назад

Dudes can’t win now a days. Make a lot of money you work too much...or we are struggling, you need to work more.

@greenluxi 3 года назад

@Antoine Carey I agree with you. She should've not married him. He's not husband material. She only has $30k in debt and makes $120k/year, she could be done with her debt in a year, she could've married making what she was making or even less who was debt-free and been in a much better position financially and domestically. I know your part of the "I hate women even if they're right" crew that frequents the Dave Ramsey comment section, but all your doing is highlighting how ridiculous it is to do that every time even in this case where the woman made the better decision. I'm writing this for lurkers because you're a lost cause. Both men and women make good and bad financial decisions. Saying otherwise does nothing for you but give you a momentary feeling of catharsis because of whatever hang-ups you have with over half of the human population. It looks more desperate than you realize.

@knowledgeiskey1319 4 года назад

The fact that this doesn't surprise me says a lot.

@nakedshadows 4 года назад

Wow. Perfect example of $$$ not equating to happiness.

@connietimoney4447 4 года назад

I have two degrees but i made more money with my trade. Degrees are a scam unless you meet the right people in the process of doing the degree or you learn a real skill. Most degrees are useless when you get right down to it. A profession is different than a degree. A degree leads or can lead to a profession but not necessarily. Theres a difference between having a business degree and being an accountant. The latter is actually experience and fulfilling a role.The is a difference between having a degree in computers and being a programmer . The former may lead to the latter but not necessarily. thats the big issue for graduates the work only begins after the degree. In a trade you can pay bills even as an apprentice and you can pick up work casually to pay bills.

@TheJonOrtiz 4 года назад

You put your marriage at risk when you started to go down the hole of debt.

@LittleMopeHead 4 года назад

She seems too calm for $500k+

@JellyBeanInTheNight 4 года назад

I don’t understand how they could get a job with such high salaries and have nothing to show for it and their only solution is to find more things to spend more money on.

@9StickNate 4 года назад

I’m curious of their spending habits. I would imagine he gets housing and utilities paid while overseas. If he’s in the Middle East, I doubt he’s going shopping and should be able to save a lot of money.

@matthewgoss7959 4 года назад

1st caller... WOW!

@JustC1226 4 года назад

How do they find these jobs?

@howlbeast 4 года назад

Dave's face when she said 2024 1:36

@-Wreckanize- 3 года назад

What's amazing that since your husband makes 250K and you make 120K, after you pay taxes on the combined income, one of you is actually working for free.

@yellowtrain3161 3 года назад

These people are just tooooo ambitious!!!

@ImOldandSoAreMyBooks 4 года назад

I’m actually more surprised that there was two people on the call...

@dabd8175 4 года назад

Does Dave Ramsey not pay taxes or something? Why is he always assuming no taxes are taken out of the income LOL

@samdoesstuff7624 4 года назад

Dave forgot to cut off 50% of their income for taxes as top 1-2% earners living in CA. That 120k he said they can live on is probably not even their annual tax bill

@tanL22 4 года назад

Good for them for trying to save their marriage. Best wishes.

@Globerson 4 года назад

...this is just strange.

@willieboy3011 4 года назад

Make nearly $400K a year, $500K in debt, and their solution is to take out > $100k more in debt, go to school, quit these high-salaried jobs, and eventually work at a low paying jobs. Only a person brought up in an affluent house would think like this. Wow!!!!

@judymckee5992 4 года назад

Goodness, Where do this people live, Lala land?

@paulgabel8261 4 года назад

They seem to be handling this call well. A shame they can't solve their financial issus.

@YummyFood454 4 года назад

Wow shows money isn’t everything, making $250k and $150k and still struggling with divorce and still want to go back to school? Inspiring story.

@vg6790 4 года назад

Shaky marriage, they need to work on that

@markporter2642 3 года назад

Debt isn't necessarily bad. It just has to be the right kind of debt and affordable to you personally. The right kind of debt is real estate by the way. Preferable with a tenant paying you monthly.

@einstein1102 4 года назад

One good thing here is that at least they both are still trying to work it out - going to marriage counseling together, and even willing to sit down together while calling Dave. But they need a plan money wise - nobody needs to go to school right now. They already make good money as is. Get rid of the debt first then you can think about school after. Once they're debt free and have all that income still, I doubt that they would go back to school. It's the common problem with people where you got tons of debt and thinking making more money would be the solution because you don't wanna cut back in lifestyle. But some sacrifices have to be made. $170k + $250k If you live on $70k or $100k (because you're in california), you will be debt free in less than 2 years.

@JK20239 4 года назад

Surprised he still makes 250k. Oil and energy is pretty much dead horse.

@leadnsteel1428 4 года назад

Exactly... pay off the debt, live on nothing and dont get into any more

@TheXxzdarkstarzxx 4 года назад

Currently because of the pandemic yes. But overall no. It is still the fastest growing sector in the US

@JK20239 4 года назад

@@TheXxzdarkstarzxx that is quite laughable. It's been dead since 2014. Oil has been dumping workers since 2019 and prior 2014 to 2016, way before the pandemic

@HamiltonRb 4 года назад

@@TheXxzdarkstarzxx Online shopping & tech are by far the fastest growing industries. The oil industry has many roadblocks ahead, such as the pandemic, less flying, less driving, electric cars, and alternate energy sources

@Duke9089 4 года назад

Love Dr. D!

@edkennedy7952 3 года назад

Right....

@tray-j 4 года назад

They are RICH!!

@gsquared2394 4 года назад

Rich in spirit maybe. They are BROKE. Income does not equal wealth. They SHOULD be rich

@dwightschuette8960 3 года назад

Wow. Making that much still in debt.

@mattbannister6850 3 года назад

Makes me sick that they can clear this in two years, still live more comfortably than a lot of people and still don’t have a clue what to do with themselves. JUST PAY THE DEBT AS QUICKLY AS POSSIBLE!