If they made $2 million a year. They would be millions in debt. Nothing would change.

@enricopallazzo3244

29 күн бұрын

100%

@tristan2332

29 күн бұрын

Yup...most have not an income issue they just are freaking idiots.

@LetsGo6009

29 күн бұрын

Exactly. This is a character issue, not a math issue.

@TheRealYungZulu

29 күн бұрын

Well yeah cuz they'd have to throw $3 million a year into cars and woodworking so they can make $10 million 😅

@pep590

16 күн бұрын

I agree!

$200K is a strong income with no minor children in the home. If you can't figure out how to live on $200K, you got bigger problems than just the dollar and cents!

@bluejedi723

29 күн бұрын

I own my own house and live quite well off of $45k a year. I don't know what the hell I'd do if I made 200K a year. My 401 K is 50K, my ira roth is at 30K (both growing)

@johnnymichael1804

29 күн бұрын

​@@bluejedi723atta FUCKIN BOY! Grab em by the P! 👏🏼👏🏼👏🏼

@MarkYeung1

29 күн бұрын

Great point

@Mr.Boring_Man

29 күн бұрын

Exactly!

@89playstation65

29 күн бұрын

Another question is....what state do you live in? Cause one state has higher taxes than others. Cough cough New York state. Sigh....is where i live. Taxes are outrageous.

Suddenly my situation is okay.

@jaysonmoseley6569

29 күн бұрын

😂😂me2

@justinebailey5333

29 күн бұрын

Man!!!!!!!😂😂😂😂😂

@Westcoastguy

27 күн бұрын

I listen to these shows sometimes to make me feel better about my situation haha.

@celebrationcruisetrip5735

25 күн бұрын

​@@Westcoastguy😂😂🤭🤭🤭🤭

@fina000

Сағат бұрын

@@celebrationcruisetrip5735that’s what l’m thinking. I am not complaining anymore.

Dave is the Judge Judy of finance

@kendrapratt2098

29 күн бұрын

That never occurred to me but you’re right! I enjoy her, too

Definitely adding this one to my "watch when you're having a shit day" Playlist

@fire12731

29 күн бұрын

lol yes

@justinebailey5333

29 күн бұрын

Right

@aching4382

29 күн бұрын

🤣 YESSSS, THIS!! 🤣

@uptownjec

29 күн бұрын

💀💀💀

@UaG2423

28 күн бұрын

Bro ima make a Playlist called that W

Dave always cuts to the chase. It's his superpower.

@user-tl7mj2bm4m

28 күн бұрын

"Debt-Spidersense's" tingling....

Dave got his 80's rapper pimp jacket on and ready to hurt some feelings out on these streets. Get 'em, Dave!

@justinebailey5333

29 күн бұрын

😂😂😂😂😂😂😂

@ginjobique

28 күн бұрын

lol

@lalacoqui3729

8 күн бұрын

Omg, I'm dyingggggg 😂😂😂

@Aminah6623

22 сағат бұрын

I propose that if Dave Ramsey is on air, please remove all the sidekicks. Like they don’t need to be there when Dave is present 😂

@jeffkline9191

29 күн бұрын

Agree. So much better by himself.

@greggpurviance7252

29 күн бұрын

Yah, the point is they are supposed to be learning. If they have an expertise pertaining to the call, it usually works better. (all of them do have diffrent ones) but in stuff like this late boomer with 3 car loans & a trailer to haul his stuff to craft shows, who can't figure out how to live on 200,000 a year & basically blames his wife, Dave is a master

@inthebooks3947

28 күн бұрын

He cut her tf off lol

@matthewc9806

28 күн бұрын

Idk I enjoy them especially the shrink

@mbank3832

28 күн бұрын

Agreed. They are so darn redundant to keep around, like they are some kinda pet

Jack is $140K in debt and he started a woodworking business not to get out of debt but "to fund an early retirement." He's on his second marriage and kids are out of high school, so he's probably in his early 50s, so at most he's got around 10 years remaining to actually retire early. The woodworking business loses money, but Jack keeps pouring money into it. The woodworking business loses money, but Jack puts more time into it than a full-time job. Jack has debt on the trailer used for the business and it's likely that _a_ _lot_ of Jack's money is going into buying woodworking equipment. Dave said it at 7:50. Jack has an expensive hobby that he wishes was a business. Jack, you're hiding from real life in your wood shop.

@JessicaLovely1

29 күн бұрын

He hiding from reality and And the marriage!

@BrianW211

29 күн бұрын

@@JessicaLovely1 I thought the same thing, at first, but he said that they go to the craft shows together and he implied that his wife works with him in the woodshop.

@jeanettealfred3054

29 күн бұрын

Jack borrows money to from his retirement to fund an early retirement🤔🤔

@TonyCox1351

29 күн бұрын

I think the woodworking is a way for him to avoid the reality of his spending habits. If he spends 8 hours woodworking he doesn’t have to face the fact that he’s living above his means. He even says that he and his wife made a budget and “something comes up” meaning his budget was spending all of their $200K income and not leaving any extra

@CarnivoreStork

28 күн бұрын

Jack and his wife spent how much on their HUGE 2nd wedding? Very unnecessary and immature.

This call is a perfect example of why Dave is SOOO much better to have on these calls than the other Ramsey personalities. The years and years and years of experience that Dave has lets him zero in on the real issues that the caller has. Jade just seems like she is reading from the Ramsey playbook on what to tell a caller. Too often Jade listens to 30 seconds of a caller and immediately declares "well that right there is your problem" and then ignores anything else the caller has to say. Dave has a real knack for working through the caller's nonsense and uncovering the real issue.

@TonyCox1351

29 күн бұрын

100% agree. Callers like this have deep seeded psychological problems. Jade is worried about where he keeps his credit cards, meanwhile this guys entire worldview needs a seismic shift

@_Y.Not_

29 күн бұрын

@@TonyCox1351 Exactly!

@DoctorSmartyPants

29 күн бұрын

Also, caller said 401k loan repeatedly and Jade called it a HELOC twice. Doesn't she listen?

@SlayerLvL99

28 күн бұрын

Give Jade some time. She has gotten out of her own mess like a champion. She can help people.

@wittenberg5

28 күн бұрын

True, but imagine if you had to do your on the job training next to your highly demanding and rigid boss live on air with millions of people. Let's give her some grace.

I don't understand why people call looking for a miracle solution..spend less,that's the real solution,spend less...!

@dr_pinna543

29 күн бұрын

I am reminded each day we come in all sorts of shapes, sizes and IQs lol.

@TonyCox1351

29 күн бұрын

Homie is $100K in consumer debt, taking loans from his 401K, trying to “retire early”

@markg999

28 күн бұрын

Exactly...this isn't rocket science but seems to be for many.

@mbank3832

28 күн бұрын

well, you can't be an American without doing something financially stupid

@marvsiceslice

28 күн бұрын

It's the same with excersize/ weight. People will do everything to avoid eating less and moving more.

He is one of those people that are just hardwired to live on 150% of what they make. It doesn't matter how much money comes in, he will always want to spend more than that. Until he can fix that, there is no hope.

@danielrn133

29 күн бұрын

Yep. They could triple his salary he would still be totally broke.

@Avenlane

29 күн бұрын

Spend more than you earn, that's the American way.

@ecclairmayo4153

28 күн бұрын

Also hardwired to probably start a lot of "businesses " and nothing really pans out

@teresah.6696

23 күн бұрын

Exactly....my niece makes good money but she over spends on crap. But you try to talk to her about she just doesn't get it.

Eastern Europe mob boss track suit Dave

@PInk77W1

29 күн бұрын

With a southern accent

@davidb8777

29 күн бұрын

Leefting beeg things..

@dummgelauft

29 күн бұрын

😂😂😂😂

@alinatamashevich3354

29 күн бұрын

Protect your knee caps!! You may get whacked

@elizabethallen4353

29 күн бұрын

🤣🤣

Working 8 hours a night and losing 10,000 a year on it. Well that's an easy answer.

@rd24life

29 күн бұрын

Right, he could just bag groceries and be much farther ahead

@deirdrekiely6187

29 күн бұрын

Losing, not loosing

@amireallythatgrumpy6508

29 күн бұрын

Yes. The answer is "learn the difference between "lose" and "loose".

@BREEZYM6015

29 күн бұрын

Keep grinding? 😂

@TonyCox1351

29 күн бұрын

The business he started to “fund an early retirement” 😅

A big wedding and it wasn’t their first? Hmm. ‘The credit cards are coming back.’ Sneaky little monsters, huh?

@raymond_rnt

29 күн бұрын

simp

@kendrapratt2098

29 күн бұрын

@@raymond_rntI wonder if she thought she was getting someone who could pay all this for her 😆 And he’s already tired of working himself to death

@user-lm6me2tz9t

29 күн бұрын

> A big wedding and it wasn’t their first? The dude sounds like a dunce by pouring insane time and money on a losing money side-hustle hobby. No wonder he got finessed by a woman that actually managed to LOSE money in her divorce case AND convince the next ignorant husband that "it was not her fault, let's have a HUUUuuuge marriage". She was lucky to find such a sucker. Very lucky.

@PInk77W1

29 күн бұрын

But we only spent $1500 at restaurants last month

@greggpurviance7252

29 күн бұрын

The cc were hiding

I live on a clerk salary in California and it's enough. It blows my mind when I hear people making $200K struggling. Moments like this makes me happy that I am single.

It’s hard to have sympathy on people who make $200,000 a year and can’t get out of debt 😮

As soon as the guy mentioned the ex-husband, I knew what the problem was; the wife is dragging the ship down with old issues. The guy can’t say that.

Another, “I make 200k a year and can’t pay my bills” call… 🙄🙄🙄🙄🙄🤮

@itsdavidlo

29 күн бұрын

I doubt you make 200,000 nickels in a year.

@fireengine77

29 күн бұрын

@@itsdavidlo Looks like you felt called out🤣🤣🤣I’m debt free and you’re swimming in debt because you suck with money

@fireengine77

29 күн бұрын

@@itsdavidlo It must really suck to be you

@justinebailey5333

29 күн бұрын

Crazy

@JakeStewart1343

29 күн бұрын

​@@fireengine77 How big is your shovel? 🤔

“The credit cards are coming back” like they have legs and are charging themselves…smh…these two didn’t talk about finances before they got married even though they’d been together for 6 years. They probably spent that entire time talking about how awful their exes were. They finally got married and the wife thought she’d hit pay dirt with hubby #2. Financial ghosts came back to haunt her, he doesn’t want to make waves (heaven forbid a second divorce) and avoids the entire topic by spending the evening in the woodshop. She gets mad/nervous/worried (heaven forbid a second divorce)and spends the evening shopping on the internet. On the weekend they rally, kiss and make up and tell themselves it will all work out. After the craft show, they go out and celebrate with a fancy dinner (charged on the credit card) then wake up on Monday to an even bigger nightmare. You don’t have to live like that. TALK to each other.

Living beyond their means with debt from a previous marriage.

I find it hilarious that people get offended when he says their side business is a hobby. If you don't make money, it isn't a business! He would be better off watching TV. He would save $10k per year. Just imagine if he were to get a part time job in the side. Wow!

@greggpurviance7252

29 күн бұрын

The IRS says it is a hobby if you lose money for I think 5 years. Then no deductions for you

@JBCookies8885

29 күн бұрын

@@greggpurviance7252 oh, I didn't know that! I wonder how many years he has lost money.

Credit cards are coming back ? They never left , they were just ignored !!

@Fred2-123

29 күн бұрын

Yeah, those cards just snuck out of the house at night and ran up a bunch of charges. No the cards aren't doing anything. YOU are running up the cards.

@amydoran9987

23 күн бұрын

They were never payed off.

Mistake made 2 years ago. Getting married. Started out of control spending. Calls his hobby a business. But plenty of income to dig out of their debt.

The biggest issue is that they aren’t on the same page. It doesn’t matter if one person wants out of debt if the other won’t cooperate. Jade is serving as usual.

Dave needs to stop interrupting Jade and allow her to talk. Show a little respect to your cohost because she’s awesome and makes valid points. I’m normally not critical of Dave but I’ve seen him do this before to her.

They are so right about so many things. Get organized, sell stuff, live in less than you make, and work together. This is so doable, but ONLY WITH EFFORT.

@davidbrayshaw3529

28 күн бұрын

It's not rocket surgery, is it.

@ecclairmayo4153

28 күн бұрын

He doesn't want to do the work

Whenever you hear to make a long story short, you know a blabber mouth is coming up.

@Desertfox21

23 күн бұрын

Honestly, they are NOT making that long story short. They're taking up just as much time yapping about whatever they say instead of giving the actual details they left out.

200k a year household and still having this much debt makes no sense to me

This guy has more excuses than my golf game…

How can you have 220k in Ohio, and be in debt?

@alanj9978

29 күн бұрын

Two wives, 3 vehicles, and an inability to say no.

Who in the world needs two car loans and a trailer loan? Seems like an easy decision to sell all of those. How is this difficult?

@poolmilethirty2859

29 күн бұрын

He said he's funding his daughter's car. I wonder how old she is and whether it's a necessity or a want.

@katieandkevinsears7724

29 күн бұрын

​@@poolmilethirty2859a necessity is four wheels and an engine. Anything extra is just more money wasted.

@huskiefan06

29 күн бұрын

@@poolmilethirty2859 Why would anyone take a loan out on a vehicle, much less for their kid?

@aschulte7502

29 күн бұрын

@@poolmilethirty2859 that's a third loan....

@greggpurviance7252

29 күн бұрын

Probably just graduated but he couldn't afford it

I used to be 120,000 in the hole. Now im only 50K in debt. Im almost there. This is all a valuable lesson for me on how to manage my money and not use credit cards excessively.

@jeaniecameron295

29 күн бұрын

🎉

@JakobRoseMorrison

29 күн бұрын

You should be proud of yourself, keep going!

@AnnaSzabo

28 күн бұрын

And never get married

@jimroscovius

28 күн бұрын

You are doing awesome!! Keep up the great work!!

@jimroscovius

28 күн бұрын

​@@AnnaSzaboWrong!! We have a great marriage - no debt, paid-off house, nice retirement savings, an emergency fund, etc. Why? We worked on it TOGETHER.

"The credit cards are coming back" as if the credit cards are aliens or something.

@kendrapratt2098

29 күн бұрын

🤣🤣🤣🤣🤣🤣

I do feel bad for this man. He's very scared. Everything is going to be OK, Jack. It will be hard, but you'll get through this. Praying for you.

So glad I found Dave Ramsey. My dad tried teaching me his ways many years ago and I ignored it (like an idiot) but sometimes it takes hearing it from someone else. Debt will be paid off in the next two months and cash flowing grad school. Then it will be grinding hard for 2-3 years for a down payment on my first house. It’s never too late to turn things around even at 33 years old.

Anyone else able to follow this guy because I can't. He makes 200 grand a year. He is flat broke. He blames it on a 4,000 old bill his wife owes And he is "funding an early retirement with a woodworking business that loses 10K a year"? Step 1. Stop the woodworking business. Keep the 10 grand a year. I just made this guy an extra 10K a year.

@Excalibur2

29 күн бұрын

Instructions unclear, closed woodworking business and replaced it with an even MORE expensive hobby.

@danielfurr7356

29 күн бұрын

And sell the trailer he uses for it.

@megalodon1726

29 күн бұрын

He's living in another reality. He talks like those old bills just came out of nowhere even though they were known before he got married. And he's talking about early retirement when he doesn't have the assets and discipline to retire late.

@PatrickGodreault

29 күн бұрын

Viva USA... and Dave!

@TonyCox1351

29 күн бұрын

@@megalodon1726yeah he literally says that the time share bill was part of a divorce decree, so she didn’t just “know” about it, it was a legal directive that she paid it. This couple is doomed

People don’t understand the difference between a NEED and a WANT.

Those who have massive debt always think they deserve early retirement I am in my shop 8 hrs every night to 9 pm. So you work to 1 pm.

I’m retiring at 54.5 and I’m 47 in July. This guy will be working until he is dead

@KaseemWalker-ow4wo

27 күн бұрын

What if u don’t make it to see 54.5

@cutehumor

27 күн бұрын

@@KaseemWalker-ow4wo I’ll be with lord Jesus. My eternal plan is set and my retirement is set at 54.5.

@OTOWN2STOCKTOWN

27 күн бұрын

I know what the Bible is saying and you might just learn what it teaches about the topic for you know very well that the day of the Lord will come like a thief in the night. While people are saying, "Peace and safety," destruction will come on them suddenly, as labor pains on a pregnant woman, and they will not escape.

My sense: they had a great time dating, keeping their finances separate, each being disorganized and making bad decisions. Then they combined and had to get serious, and it's a real relationship shakeup. It was more fun to date and each go on their merry debt filled ways.

Jade, great to see you, haven't seen you in a while! Dave and Jade, one of the best teams.

@Kaktus965

27 күн бұрын

Not really….

At 200k income, you can easily pay this off.

A lot of people just don't understand how to do life. They have absurd values and priorities. Rules and dogma can put band-aids on that, but can't fix it. It's just not realistic to go though life doing stupid stuff and not expect catastrophic outcomes. People have a lot more consumer credit at their immediate disposal than they did decades ago. So there's a much, much higher potential to dig yourself into a hole. Can do does not equate to should do.

@ecclairmayo4153

28 күн бұрын

That first sentence is so true. Not knowing how do this thing called "life" messes a lot of people up. This man however, is knocking ok retirement ages door, and he still hasn't figured it out. He will be working forever

This caller came out the woodwork.

@kendrapratt2098

29 күн бұрын

🤣🤣🤣🤣🤣 He needs to stay out!

@ecclairmayo4153

28 күн бұрын

Literally!

Jade is like Rachel, a lost puppy sitting next to Dave! Might have to improve her note-taking skills as HELOC is not 401K loan.🙈

@alexpietsch7997

29 күн бұрын

Same function. Rob your future and put a long term burden on your kids

@greggpurviance7252

29 күн бұрын

Jade is great at some things but with a late boomer, Dave can give a master class. Yes still using cc is a problem but not the problem

If you're financially unfit, then add another to the equation who is also financially unfit, prepare to dig the hole at least 2x the speed.

If I was making 200K a year I’d be living like a king.

I had a side hustle once and once things declined to the point of "breaking even" I packed it in. I wasn't going to put in hours of work for no pay. This fellow is way past the point of packing in the side hustle.

Yeah, good luck with that. Keep on doing what you're doing.

No disrespect to Jade, but Dave doesn’t need a cohost. If anything the other Ramsey hosts need to watch Dave take calls to better understand how to handle each caller’s situation.

1. Cut up and cancel all credit cards. 2. Stop buying on credit 3. See if you can get a loan from your bank for all the debt. 4. If you can’t get a loan pay on the highest interest first.

Well. The reason he may be in that shop is actually to avoid stress. He's doing something he loves doing. Which is fine if it made him money. I also don't know whats going on with that marrige or why the wife didn't plan for those two bills. Something is wrong there...

journey of transformation with Adept-limited unrefined company , Every moment is life-changing , im fr blessed

The trick to dealing with unexpected expenses making $200k is to plan to live on $60k, then pay any unexpected expenses with cash then put whatever's left of your ~$140k take home pay towards debt. If you are living on less than you earn then unexpected expenses can at worst only delay your debt payoff, there is absolutely no reason earning $200k a year that an unexpected expense should make you have to go further into debt.

Dave doesn’t need sidekick hosts. He refuses to let them speak and undermines their credibility by disagreeing. I know he’s trying to pass the torch, but it’s obvious he doesn’t respect their opinions. 😂

@Kaktus965

27 күн бұрын

It would help if their opinions were worth a damn……..

@beng3345

27 күн бұрын

@@Kaktus965 He should hire better people with more personality. They just defer to Dave constantly.

@Kaktus965

27 күн бұрын

@@beng3345 Yep

Go, Dave!

The bottom line is, if you don’t have the cash to pay for what you want, you shouldn’t be wanting those things. DON’T LIVE BEYOND YOUR MEANS!

It also doesn't even sound like they're enjoying the woodworking business based on his tone, phrasing, and general attitude about it. Why do something that takes all that time, loses you money, AND leaves you resentful?

"You've got two stinking cars" 😂😂😂😂😂 l love the Ramsey show

They seem to have not figured out that bills have to be paid and you only get to spend each dollar once. I hope they can sort it out. With that income they should be living a good life and they're throwing it away.

wow i agree with Ramey

@BamMilg

29 күн бұрын

Your beautiful.

@bobknoke9384

29 күн бұрын

Look up privately

Making nearly a quarter million dollars a year and still being in dumb consumer debt is amazing.

So glad that a husband called in.

That employee at work who sucks at his job and says, "I COULD DO THIS BETTER!" and quits mid-shift... that's every small business owner. Can we finally admit as a country we've been propping these guys up when they're all mostly this guy? They can't do one job even decently, but they all decide they can suddenly do 11 jobs really well on their own.

@ecclairmayo4153

28 күн бұрын

He is definitely the type to start a lot of businesses but nothing ever really pans out

I would love to have 200K as a start to my budget. There would be a nice chunk left over at the end of each year.

Dave: "close it and sell off the stuff. Why wouldn't you do that?" Caller: "because I love my business more than my wife."

Did I miss what they do for the 200k a year?

If you are making 200k and your "side hustle" is loosing money and you have all that debt, how can they not figure out what to do?? It sounds to me like they just want all the debt to go away without having to change anything,

@aschulte7502

29 күн бұрын

denial

You can hear it in his voice and his language. He's sidestepping the budgeting and refusing to cut back on his current standard of living which is unsustainable. I know because I've been there, but I finally had enough and worked by butt off to get out from under. He still thinks he can get out from under without cutting back.

At what point does he figure his failing business is going to take him into early retirement? Why can't they live on $200k a year? How do you earn this kind of money on your primary income and not instinctively know your 'business' is breaking you financially?

@megalodon1726

29 күн бұрын

With his and wife's habits, early retirement for him is retiring at 95 instead of 100.

Big weeding was the first mistake. Get rid of the damn cards....geez. Eliminate that possibility. 200K a year on top of a side hustle? C'mon man, get your s*** together.

Sounds like his marriage sucks and they are overspending to compensate.

*Thank you Angela Christine Derle for $60,000👍🏻. So many opportunity to make money here on KZread but most people don’t know. Thank you for continuing updates I'm favoured, $60,000 every two weeks ! I can now give back to the locals in my community and also support God's work and the church. God bless America*

@AlbaluBM

28 күн бұрын

Hello , I am very interested. As you know, there are tons of investments out there and without solid knowledge, I can't decide what is best. Can you explain further how you invest and earn?

@FredLincoln-pp1dy

28 күн бұрын

YES!!! That's exactly her name (Angela Christine Derle) so many people have recommended highly about her and am just starting with her 😊from Brisbane Australia🇦🇺

@xuanpgrey

28 күн бұрын

Hello how do you make such monthly?? I'm a born Christian and sometimes I feel so down 🤦‍♀️of myself because of low finance but I still believe in God

@corinneclary4054

28 күн бұрын

I'm favoured, $60K every week! I can now give back to the locals in my community and also support God's work and the church. God bless America,, all thanks to Ms Angela 😊🎉

@sofiaogarcia2119

28 күн бұрын

Thanks for the recommendation 🙏 how can I get to her ?

I can feel this pain in my wewe

when you find yourself in a hole the first thing you do is stop digging

Dave Ramsey drip button 👇🏼

It sounds like this is all her. Probably why she was divorced from her first husband. This discussion is so confusing. Is he the only one making money? Why are the focus on the hobby? How old are these people? What do they have saved?

There you go - stick your debt elimination strategies and leave everything else alone dave and crew.

When?

Big wedding when yall both already have kids...

They never mentioned eating out. I’m guessing $1500. A month

"And losing your butt". I'm using that one 😂

Sell the business, live on $40k combined, job done

I don't understand how the woodworking business is losing money, considering that the labor is essentially free (it's him out there every night for several hours). All he has to do is buy materials, which aren't that much. How can you not make SOME money in a scenario like that? Something is not adding up here, and the 1st place I'd dig into is do they really make $200k? I suspect the answer is no.

He won't follow Dave's advice. He has delusional aspirations, too many toys, and lacks basic financial skills

Why do people talk about credit cards balances like they're just something that happened to them rather than something they did? Lol

Why is there a cohost if they can’t get a word in lol Dave always does this but he’s old school. Straight to the point. Rather just hear him

I'm never getting married again. Period.

Adding up to insanity.

Dave will save you, for sure, and the USA printing machine is the best in the 😓west... Ho Lord....

I knew a marriage that fell apart because husband had a side hobby where he sold old clocks. Thev side "business" is just a means to avoid marital issues.

Poor folks, all this stuff that "randomly" keeps happening TO them. Ya know, like unpaid phone bills and timeshares etc, etc... Not to mention, $200k in OHIO? Should be living just fine, this is insane.

Here's what you do: -Find a loan shark/mob member -borrow $145 -go to las Vegas -play a single hand/play of high stakes roulette or blackjack

Dave and Jade really clashed here...

Can someone tell me when callers say $200k/year, is it gross or net? Thank you

They make a lot of money. That debt could be gone with ease in two years.

“The credit cards are coming back” no accountability 🤦‍♀️ that man is too old to be so ignorant

Don't fix your marriage. Fix your debt 😂😂😂

"I have a full-time job that pays negative $10K, Dave please help me, I can't figure out what I'm doing wrong."