Your Debt Isn't The Problem, It's The Symptom! 

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I started listening to Dave 2yrs ago. I can’t believe the difference. 2yrs ago I had $11k cc balance Now I have no cc debt no cc I cut it up. Now I have $22k in savings. Dave’s plan works

I don’t even have any debt and I feel like I need to go pay off some debt.

Josh, if you are reading this -- I did Dave's plan as a single mom and I have been debt free for 4 years now. You can do this! Go get it!

I absolutely love the fact that Dave said on the air if she isn’t supported of you getting out of debt that she’s not the one for you

What is mostly underrated: The psychology behind debt. We rather seek short term solutions that fight the long term reasons for debt.

This made me cry. I hope Josh listens, his life is about to be changed. I know Dave changed mine.

I love when Dave gives a pep talk. It inspires me to thrive to payoff more!

Officially debt free today 🎉. I'm upgrading from beans and rice to noodles and beans

He is on point. I was just spinning my wheels for years and then one day I was like, "I'm done and getting this debt out of my life". 6 month later I paid off all my credit cards and now working on my student loans. Time to take them out too.

This guy sounds like he has never had a father figure in his life to help guide him. Glad he called Dave. Dave is about as good of a role model as you can get. Good call. 👍🏻

This is true Davey boy!! I just got myself out of debt. I refuse to struggle and go through depression again. I did a lot of dumb things with my credit and money in my 20's. Once i hit my 30's everything i did in the past caught up with me. I'm 33 now i will never put myself through that again. It feels good to be debt free.

14k in collections. 9k in student loans. 6000 car loan. His debt to income ratio is less than 1 to 1. He will be fine.👍

Great advice from Dave, seems like a humble guy. Hope him the best

Get some brother. You got your kid, you have good direction, GO! I'M ROOTING FOR THIS GUY!!!!!

Josh sounds like a good guy. Wishing you the best my man.

The harsh reality is what we all need to wake up sometimes... thanks Dave for not holding back

I really would like a follow up (maybe a year later) with folks who were gifted Dave’s plan with FPU!! That would be inspirational!

I have a relative who is going through chapter 13 bankruptcy. I've tried counseling him, and he always acts like he's listening, but he goes off and does things in secret - most likely embarrassed. I only found out that he was going through chapter 13 from another relative. His car was totaled a couple months ago, and I urged him to use his savings and insurance money to buy a good used car for around $5-7K. Him: "I need a reliable car so I don't miss work"...FINANCED a 2018 Nissan Altima at a really high interest rate. "I have a plan, and I'm going to pay this car off quickly." Me: Smh.

When I first started listening to Dave I thought he was fake. Then I started following his plan. 3yrs ago I had $11k cc balance Now I have no debt. I cut up my cc. I bought a home cash. I have big savings account I make $48k. Life is way different now

*Laziness, stupidity, low income, are usually not the problem but the symptoms as well*

And on the eighth day God created rice and beans just for Dave Ramsey’s listeners

Environment --> Thoughts Thoughts --> Actions Actions --> Habits Habits -> Life Outcomes Start at the beginning with FPU, not at bankruptcy.

The debt sounds manageable without bankruptcy. It would be different if his debt was like 3x or more of his income then maybe that would make sense but it's all goes back to discipline and making a plan.

Debt is a symptom of being a lifelong consumer. Instead of thinking of consumption, think of how you can Produce and make the money work for you instead of only getting deeper into the rabbit hole of debt. If you have any cash laying around, invest it at 7-13 percent average annual return and have money work for you instead of trading your time for an income.

I’ve paid off 8k in six weeks so far and I’m probably 80% gazelle intense. I can’t work non stop because I’m a nurse and the cap is at ten shifts per pay period

A great lesson for his daughter if explains to her what is happening and she gets to see the results!

we really should learn this in high school

Dave was nice to this guy. good luck to him. Invest invest invest! & say no to debt!

Cleared 10k of student loans, have another 10 to go. I never want to borrow a loan again lol

I will never forget the day I returned my 2017 Toyota Tacoma because of uncle Dave.

Wish I would have started listening to Dave years ago. Probably wouldn't be divorced and on my 2nd Ch 7 bankruptcy. Meeting of creditors Tuesday. Make over $100k by myself and couldn't live. As I've started watching my budget I've saved $5k in savings in 3 months even with paying almost $1500 a month in child support and $575 a month on my ex wife's car. I can't pay off the car until the bankruptcy order is final which will only have 1 payment left anyways. Then I have $18k in 401k loans and $1600 in federal taxes to pay off. But if I stay discipline and motivated I've got this.

He can't work two jobs!! Yes, you missed that he "Just got custody of a 10 year old" - What's he supposed to do? leave her with the girlfriend? Kids at that age need 'face time' with their parent especially since her world was just upended! Take her with him to the FPU classes - let her help do budgets -- show her her opinion is valued (there is a reason he got custody) - great teaching moments! But do not leave her with a girlfriend - take a little extra time to pay off that debt - She needs her dad to 'be' with her -- kids don't want your money, they want your time. A statement my son made to me after he was grown - "Mom, we never had a lot of extra money, but you always had time for me" ... Kids do not get 'Do Overs" in life growing up.

It's the symptom of not thinking clearly about what should be obvious. I'm grateful for the day I found the DR show in 2015. If not for Mr Ramsey I would have paid the bank almost $20000.00 in interest on a home painting job that actually cost less than the interest the bank was charging me on the loan amount. This happened because I was stupid enough to accept their offer of a large unsecured debt amount. After I realised how they were gouging me, I paid the preda.....I mean banker off in a lumpsum from my savings then paid myself back with an even bigger interest percentage. Cut 2 and a 1/2 years of payments and paid myself the interest I would have just handed to the devi.....banker. Listening to this show cured my symptoms by reprogramming my brain

Dave is soooooo amazing!!!! The way you told this guy was perfect!!

now that he has custody of his daughter now he can ask for child support and claim her on his taxes! 🙏🏾😎 equal rights.....

I went a bit over budget this month and I have been avoiding checking my bank account because of fear of facing the consequences of my actions. Hearing David speak made me decide to stop being a wuss and face it😂🙈

I have children his age. They grew up in a house where we made choices. Do we go on vacation or do we buy a car? We can only do what we can afford to do when paying cash. And we saved for whatever we chose to do. As parents we have to teach our children about finances. This poor guy needs to learn how to live responsibly.

I'm listening I'm listening ..... bring it on, thanks Dave !

He said rice and beans and beans and rice 😭😭😭

I'm surprised dave didnt tell him not to have another kid til he cleans this mess up, cause if he does, he is done for...

2:00 IT STARTS/CHANGES WITH A DECISION

I love listening to you, it makes me feel so much better about my self

I liked this one I bet he’s actually going to follow through with it

He's in debt with collections and got full custody? Can't imagine the mother's status.

Most people who call about financial advice never have a plan from the beginning or no savings.

I have anxiety and cannot fathom having more than one job.

32 years old tapping out to bankruptcy come on man there should be WAAAAY more fight in you. Do it for your kid. Forget FPU, just keep watching Dave’s videos and you’ll learn all his methods and philosophies behind the madness.

That guy sounded like he was more worried about impressing his girlfriend with the spending rather than taking care of his daughter . Some people just cant be helped

That debt is not bad... Wish I only had that much. 😂

Not a lot of debt. You could increase the income and get out of debt.

I hate people who “settle” their debt by paying less. It makes those of us who play by the rules pay their debts off for them.

Debt is money we owe to ourselves. Paul Krugman

Not enough money. Not enough patience.

Great motivation by Dave - Callers have hit bottom - picks them up - provides the Nuts & Bolts = Real tools of finance & to a new path - listening gives me motivation every time - Fantastic Personality.

My favorite call. As a single guy making 45K a year. This gives me hope. Rice and beans baby!!

"What you should of learned in highschool" Wait.. what class was that? lol Only thing close I had was in 5th grade, learning how to fill out a check Im struggling here trying to re-learn money, make new habits, and win.

I think rhe GF might be part of the problem, looks like she likes eating outside a lot and maybe he's buying stuff to keep impressing her.

That good Ole kick in the rear end advice is timeless thanks Dave!

What Prosperity Gospel actually looks like!

Be realistic, Dave. He can't pay $1500-$2000 a month on a car if he's only clearing $2300 a month... unless he can get a part-time job that'll pay him at least $300-$400 a week.

Does Dave do pep talk work on the side?!?! I could it from time to time haha

Wow. Such simple but awesome advice.

LOVE this!!! Dave is FIRED UP 💜

What great advice

Love this one!

Dave got me so hyped in this clip

Good call. I enjoyed this one.

That's very good advice, very priceless. Dave is such a good guy.

no bankruptcy!!!

When the caller mentions he is living with his girlfriend...😬 I thought Dave was gonna let him have it lol

Josh sounds like he is ready

i had no idea you could get 18% apr.. might as well throw the car on the mastercard... who does this

Dave....awesome !!!

Dave is awesome!

Dave missed the opportunity to talk the caller on taking side gigs to increase his income

This whole futzing around with what the IRS takes out each check is gonna come back to bite people if they miscalculate.

I wonder why he didn’t ask the guy if he received child support if not he should file for that as well.

This is exactly what it took me a decade to figure out.

You do not have a debt problem. You have an income problem! Dan Lok

Sadly, a year from now will be the same story just more debt and the GF being pregnant now.

That’s not that much debt though? 🤔

You problably dont have to pay off the collections, it ll go away after a couple of years depending on what it is

1, 2, 4 Goooo!!!!

Dave, if I had one wish it, would be for you to go on Joe Rogan.

Yooo! Also take into consideration the child tax credit he'll be getting now that he has fu custody of his daughter! Make sure you have even LESS taken out because of that!

Why do people call you know hes gonna say stop spending or. Pay off ur debt

what is a w4, i thought here in Canada they are called t4s.

Great video.... I think we are making progress as a country in turning things around yes this is a slow process but after awhile watch out when peoples friends, relatives, co workers, ETC finally catch on watch out. We are at the beginning of a turning point to some very exciting things that are going to happen in the very near future. One thing is for sure "YOU DO NOT WANT TO MISS OUT ON THIS!" anyway Dave I am very grateful for most of the things you do and all your hard work. Thank you and have a supper great week as I know you will....

Love you Dave

You can no it

Dave finally happy lol

Hang on, didn't this guy say he was paying $700 in taxes, not that he got a $700 return? So why would Dave tell him to raise his income and have them take less taxes out? Wouldn't it be the opposite? Am I just being an idiot or missing something or what?

Makes two grand a month and he says pay 2k a month for car??

Hey guys... I'm 29 and still in college. Im a first generation student in my family and school is really hard for me on top of working to pay rent and bills, which Im struggling with. I have a year and half left of school to go, and will graduate when Im just turning 31. I feel like Ive accomplished nothing in my life and will come out of school at 31 with only a Bachelors and 35k in student loan debt. Im really worried about my financial future and could really use some advice.

What, you didn't see this coming? You did this to yourself.

Das deep.

I am scared of Dave 😂😂😂

Well said...thanks Dave😉

Dave is savage his gf needs to go 😂😂😂