I’m fortunate. I’m cheap.... and my wife is cheaper. We usually have to talk each other into any purchase greater than a grocery bill.

@marioangelo1822

3 жыл бұрын

Your blessed to have a loving lady like that , it's very hard to find that type of solidness in relationships now ... Props to you an your lady 👍

@tiabarrett7816

3 жыл бұрын

Well, make sure to convince each other to have some fun, and fun purchases too! 🙃

@joycewright5386

3 жыл бұрын

Same here in my family!

@SynFlowers

3 жыл бұрын

@@tiabarrett7816 yes! I have to make sure I budget for living life too.

@posturesupport2947

3 жыл бұрын

"if your husband won't read my book or take my programs you need to talk to your pastor about your marriage" you people honesty fall for this trash? How old Are you 9 ?:

When people say "they don't have time" what that really means it's not important enough to them to try to make time. If it was anything he really wanted to do, he would find time to do it.

@twincherry4958

4 жыл бұрын

Not really...in some cases. It's extremely important but not possible.

@justusbryce3392

4 жыл бұрын

What would make someone really want to do it? The answer to that question is what you need to do for that person.

@surflvr1319

4 жыл бұрын

Exactly! Well, at the very least true if you do have time for TV or playing on your phone until bedtime.

@danaszalajeski4416

4 жыл бұрын

I was just explaining this fact to a friend of mine about different things he or others should be doing, but uses that same excuse: "I don't have the time."

@timothysmith7080

3 жыл бұрын

Some people "don't have time" to go for a run. I've consistently run an average of 100 miles/ month since 2010. All while maintaining full-time (45-60 hours/week) employment, a part time job which turned into a business (10-20hr/week), finishing 1/2 a bachelor's degree......if someone wants to do something, anything, they can find the time.

If he lives 5 mins away, bicycle until enough is saved up to buy a vehicle for him.

@inthevault9603

3 жыл бұрын

Why can’t he just walk to work? What an entitled idiot!🙄

@KhoalBishop

3 жыл бұрын

@@inthevault9603 Entitled to his own money yes. But you are right. he should just walk or ride a bike. Buy a cash when they can.

@Mari-gl2tk

3 жыл бұрын

Seriously the definition of stupidity, she works from home and he’s 5 min away but it’s important to get in debt over a new car with the latest technology...

@famicomnintendo

3 жыл бұрын

@@Mari-gl2tk 1 new car for each of them!!!

@love4stamps

3 жыл бұрын

Walk! Bike! Or run🤣🤣🤣

Alright one more Dave Ramsey video before I go back studying lol.......

@justmydeals

3 жыл бұрын

Justine A LOL, suuuuuuure!

@sharonmadan6677

3 жыл бұрын

Right?!

@TheItalianDude96

3 жыл бұрын

*3 hours later*

@dgrace27

3 жыл бұрын

It’s a slippery slope

@stephaniekuwornu3691

3 жыл бұрын

I do the same too! Except it’s harder to go back to study. 😂😂😂😂🤦‍♀️

I remember when my wife was trying in 2005 to convince me to work this program. My belief in my own delusions ended when I started getting requests from her at the end of every month starting in 2018 to avoid using the debit card because we wouldn't have money to pay the mortgage. To her credit, now that we are debt free, she just tilts her head and smiles when I ask "why didn't we do this sooner?" Get on board with your partner.

I love having a car that's paid for! It doesn't have all the latest technology and I don't care. In my mind, that's just more stuff to break anyways.

@FOhlookajew

4 жыл бұрын

Yup!!

@Cookieboy70

4 жыл бұрын

Amen! Mine is a Honda Accord, going very strong from 2010 and it's only needed maintenance 1 time so far!

@michelleprice5945

4 жыл бұрын

Truth! love my paid by cash 2008 versa! nothing fancy but you're right just more stuff to break. 🤣

@leadnsteel1428

4 жыл бұрын

More tech means more things to break

@88shalulu88

4 жыл бұрын

Amen! And the fixes arent as cheap either! $200-$300+ computer chips and more days the car is away from you when repaired the more expensive the car is.

If a husband and wife are on the same page on any given subject, it’s amazing what they can accomplish. But if they’re not, it’s like a house that’s divided against itself, it simply can’t stand.

@maricelgund

4 жыл бұрын

Yes agree

@mrodg88

4 жыл бұрын

17 years I lived it "for the kids". Didn't make it to them graduating. Divorce, break apart financially, and 5 years later I am debt free with a 3 year old car with 50k miles, no house but I paid cash for what I'm living in which is better than any rental helping my oldest with college, and even get along better than ever with the ex. We aren't together but do stuff together with the kids all the time and get along great. We were perfect together except financially. I know from college financial aid and her asking me to do her taxes that she is still dead broke while I am wondering what to do with all my leftover income even with her collecting a 3rd of mine, which our salaries are approximately the same.

@caity9244

3 жыл бұрын

@@mrodg88 😱 That's quite the story. Oh my.

@caity9244

3 жыл бұрын

So true.

@agneshortonn433

3 жыл бұрын

Truth

I bet he still finances a 40k+ car for his 5 minute drive to work... 🙄

@jennyhammond9261

4 жыл бұрын

Yeah, when they said 5 minutes I was thinking why doesn't he walk or ride his bike.

@NBHRaven

4 жыл бұрын

I’ve never been able to live that close to work! Has always been 15-45 min except for that time I sold cars at a Ford dealership, and that was still I think 10 minutes

@annamarie1942

3 жыл бұрын

haha

@eligray-roedel144

3 жыл бұрын

What's funny is I thought you meant he cashed out his 401k for his car and I didn't even blink lol

@youngtimer964

3 жыл бұрын

Truck

Financing a new car is the epitome of living in denial. It makes you feel like you are doing well even though you aren't

@samiamor3955

4 жыл бұрын

EXACTLY All of my friends are honestly so stupid. 2020 Jetta, 2019 Sonata, etc. I paid $7k cash for a 2012 Prius C that averages 50 mpg while I laugh at my friends that make their $300+ payment +$150 insurance. I’m about to buy a condo in cash later this year and watch all of them ask how I did it... I’ll tell them I learned from all of your mistakes

@roncur

4 жыл бұрын

I’m making a meme outta this now!

@msubtech84

3 жыл бұрын

@@samiamor3955 Don't be smug bro just lead by example

@nocigar7730

3 жыл бұрын

This! 100 up votes if I could.

@realtonysolo

2 жыл бұрын

@@samiamor3955 so did you buy the condo?

Get rid of the IRS debt first. No ifs, ands, or buts about it. They can garnish your wages or seize your assets in order to satisfy the debt.

@KennyakaTI

4 жыл бұрын

Not to mention the ridiculous interest rate and they can put you in jail

@joeb1522

4 жыл бұрын

@@KennyakaTI The interest rate is pretty low at about 5%. And going to jail for owing back taxes is very unlikely. Although I don't disagree to get it paid off as soon as possible.

@chrisfamos

4 жыл бұрын

The KGB

@thelastmemphian

4 жыл бұрын

Kenny aka TI this is simply not true. The IRS hardly puts anyone in prison (not jail, also a difference). People who are sent to prison are committing tax fraud. And when an agent audits you, they will almost always give you a civil process instead of a criminal one. I have no idea where this myth originated, people think if you owe a couple thousand to the IRS that they’ll come in and take your money and car away. Just doesn’t happen. The small amount owed by this woman’s husband is 100% a civil issue.

@joeb1522

4 жыл бұрын

@@thelastmemphian I have seen the IRS and states (states seem to be more agressive) put liens on homes. But this usually only happens if the amount owed is very large (over 100k) and the individual ignores the IRS' letters.

The husband is broke and OK with being in debt to the IRS. No point in trying to help someone who isn’t interested in helping themselves.

@TraumaER

4 жыл бұрын

Lots of people live like this. They never own anything in their life. They will always be losers.

@philipgerry5228

4 жыл бұрын

People choose to stay home, skip work and overtime, then wonder why they don’t have money to blow.

@someoneelse6934

3 ай бұрын

… or they live in a $80k trailer home and have a $60k vehicle and 40k boat parked outside…

Things like this make me so happy I’m single. I can drive my used Honda and not worry about someone driving me into debt. It’s so annoying trying to drag someone into common sense. I love how the lady said “you won’t have car problems, but you’re creating another problem”

@kbanghart

3 жыл бұрын

And, I'm so glad I'm married. I love the problems my wife and I have.

@martinramirezmi5457

27 күн бұрын

@@kbanghartI wonder if she loves the “problems” as much as you do?

@kbanghart

27 күн бұрын

@@martinramirezmi5457 well, she's still with me... Almost 30 years Everyone has problems. No relationship is perfect.

"KGB I mean IRS"

@levimast3473

4 жыл бұрын

I love him even more after that 😂😂😂

@perotal

4 жыл бұрын

That joke is getting old

@ClaxtonBay123

4 жыл бұрын

@@perotal Dave has literally been saying the same things for 25 years. It doesn't get old became there are always new people paying attention

@Jesseg-rj6xf

4 жыл бұрын

First time I hear that 😂

@erickjohnson7703

4 жыл бұрын

I don’t get it?

It always amazes me that people call up and don’t know exactly how much they owe or how much they earn.

@beccadotelpy

2 жыл бұрын

They probably know and don't want to say. We've gotta lotta cultural sketchiness about money in the US.

lol that Tiger King comment killed me!!!!! Im a fan of Ozark myself but to each his own

@angienew8499

4 жыл бұрын

Me too. I miss it so much. I can't wait for a new season of ozark to drop

@murderouskitten2577

4 жыл бұрын

have to ask - what is tiger king ?

@nick624179

4 жыл бұрын

@@murderouskitten2577 that Carol Baskin

@andysorensen1737

4 жыл бұрын

I spit out my soda at that 😂. I’d love to hear Dave’s take on Tiger King: “Instead of feeding your husband to the tigers, they should’ve gotten beans and rice.”

@kimmyymmik

4 жыл бұрын

Same 😂😂😂

I did the sit down til I was blue in the face...results...I live by myself now and pay my own way with out dragging his way with me...now he is struggling trying to figure life & finances on his own...like everything in life...know when to hold know when to let go

5 minute commute he doesn't need a financed car

@elisahamilton73

4 жыл бұрын

Walk, bus it or cycle not brand new vehicle.

@TimeisUp22

4 жыл бұрын

5 minute drive not walk. He might need a car just not an expansive one.

@jillygirl2024

4 жыл бұрын

@Cory Walker I had a car that needed repairs and no $ to do them as I was paying the car loan still. I took a bus then walked a good half mile in a snowstorm to a job interview - didn't get the job and was 58 at the time.

@euenfheiejrj

4 жыл бұрын

Kerena Only even so what is that 20 mins to walk? That’s nothing

@twincherry4958

4 жыл бұрын

He needs a bicycle...workout is the icing on the cake.

He "doesn't have time" because he sucks at budgeting. Time as well as money must be budgeted.

I love when Dave calls it like he sees it. I hope the caller took his advice to heart.

Some of the worst car problems that I have had in the past ten years has been with computer sensors on the newer cars. But I haven’t had a car payment in nearly 20 years and I won’t go back. Not having the time is code for being too scared to face the truth.

My car is so old, when I rented a new car, it took me a couple minutes figuring out how to turn it on, and how to shift it.

@martinramirezmi5457

27 күн бұрын

Been there too😂

I see Dave as a money therapist. But a therapist who wants nothing more than for his patients to succeed, even at the risk of hurting someone's feelings. Money is a pretty emotional topic.

My one year old heard Dave and said “BULL!”

Haha, she's calling Dave Ramsay for back up. 😁 Edit: also what's with husband that ignore wife's logic, I'm an RN and mine ignores food and health advice from me (after asking) until he reads it from some third party, and then comes and "teaches" me about it. 😖

@pr3modeling239

3 жыл бұрын

My wife and I have been married 17 years. I've been a professional mechanic for over 23 years. I'm the highest paid, most respected mechanic within a hundred miles of here. I have people bring me their cars from three states away and wait up to a month for me to get time to work on it. I'm a certified expert on all things automotive, is my point here. To this day, anytime we're driving and the car makes some weird noise, my wife will be like "what was that? Should we pull over and look at it?" Me: "no, it's just "____" no big deal, don't worry about it." Her:"Are you sure? I don't think that's it. I really think you should check it out. I think you're wrong." 🙄 I feel your pain.

*I plan to do it later* often becomes *I didn't do but wish i did*

@RobTzu

4 жыл бұрын

Facts.

“Everything that irritates us about others can lead us to an understanding of ourselves.” ― Carl Gustav Jung

@msubtech84

3 жыл бұрын

“Everything that exhilarates us about others can lead us to an understanding of ourselves.” - Bunghole Carl

@peterwoods8880

3 жыл бұрын

Reading a Carl jung quote after watching the new “the sinner” season in which the serial killer justifies Carl jung for his killings 🤣💀

I love how this is not just a financial advise show it’s also a relationship and psychological advice show because honestly it’s impossible to manage money if you can’t manage your emotions and your relationships

THE TIGER 🐅 KING COMMENT WAS GREATNESS 🤣🤣🤣🤣 !!!

Monday: BEANS Tuesday: RICE Wednesday: BEANS Thursday: RICE Friday: BEANS

@MrBrewman95

3 жыл бұрын

Friday: BEANS & RICE

@turdferguson5847

3 жыл бұрын

Saturday: Methane poisoning

@stringerbell1702

3 жыл бұрын

Saturday &Sunday leftover beans and rice!!😁

@renardgris2991

2 жыл бұрын

I mean, I'm debt free, and I eat Red Beans and Rice on a regular basis... I make sure I have some smoked sausage in it as well... adds flavor :-P.

One thing I've learned about buying new and used cars is that there is always expenses with maintenance and repairs either way.

5 minutes away from work !? He doesn’t need a new car he needs a bicycle

@JamesJamersonIsAGod

3 жыл бұрын

Right? I'm like hmmm... don't really even need 1 car right now, DEFINITELY do not need to finance TWO new cars. Worst case you get a middle priced used car when she has to start working and she drops him off on the way to her job?

@barbieblue3336

3 жыл бұрын

Walk

And why does he even want a brand new car when his commute is 5 minutes?

@edennis8578

4 жыл бұрын

Because "boys and their toys." Seriously, you don't know anyone like that? At least half the guys I know are like that. The big truck, the fancy car, the newest phone, etc....

@matthester3988

4 жыл бұрын

Pride

@stilliving

3 жыл бұрын

Wish I could like this twice

@kbanghart

3 жыл бұрын

@@edennis8578 this is probably a lot of the same people who complain about living in California and can't afford it

If we’re talking a legit 5 minute car ride to work, why can’t he buy a shiny new bike with all the “bells and whistles?” (Pun intended)

@derrickparra8734

4 жыл бұрын

Or walk? It’s free and great way to start your morning.

@sweetpea_socal.

4 жыл бұрын

Or a Segway scooter.

@margolitapollack9308

4 жыл бұрын

Hover board, electric bike, scooter, in-line skates...

@euenfheiejrj

4 жыл бұрын

Can’t he walk? That’s like a 20 min walk

@patrickjordan2233

4 жыл бұрын

@@euenfheiejrj And it'd be healthy? But...they have health problems (money, debt, marriage, communication...)?

Plot twist: The caller is actually Carole Baskin.

@LittleMopeHead

4 жыл бұрын

Who's that?

@dkgong

4 жыл бұрын

@@LittleMopeHead Watch Tiger King on Netflix.

@TraumaER

4 жыл бұрын

@@LittleMopeHead I'm impressed you don't know because that shows you actually have a productive life.

@kpeggs82

4 жыл бұрын

now that song is in my head again

@bookfan22

4 жыл бұрын

@@kpeggs82 It's good thou...🐯

I love how Dave laughs when she said he watched something else! This guy is hilarious.

One thing I realized after having a lot of used cars and new cars is that no matter what kind of car you have you're always going to have at least maintenance issues. So it really doesn't matter how new your car is. Do you still have to save money to repair or maintain or both your car if you don't have a car payment it makes it a lot easier to do that. And the newer technology tends to be worse then the older technology.

The expressions on the lady's face throughout this conversation are great.

The discussion of clear communication is spot on for me. I’m awful at picking up on hints and if something is important it needs to be clearly communicated to me. Thankfully my wife knows that and approaches it that way so we don’t struggle in communicating with that.

I LOVE when Uncle Dave calls them out on their BS.

A car that’s paid off, or a car paid for in cash doesn’t mean it has to be an old junker. People often get this confused. It really is just whatever you can afford, plenty of people driving new cars that are paid off

Took me years but I learned that hints didn't work. Learned that I had to be very clear about whatever the problem was, in words he could understand, and explaining how it would not just affect me but affect him even more. Married 48 years.

I am becoming increasingly terrified on how the government sucks at handling money. 90% of the 6.2 trillion went to the banksters & corporations.

@YeshuaKingMessiah

4 жыл бұрын

ihategooglespooks I dont have any of them. I only got the 10% that went to the ppl.

@69TDUB

4 жыл бұрын

@ihategooglespooks I could speak for an hour on how incorrect your statement is. You're completely brainwashed & clueless. If they would have split the 6.2 trillion equally every American would have received $20,000. People would spend the 20K & the business would have been stimulated. Stop listening to the mainstream propaganda it's not helping you at all.

Dave Ramsey you are the best! 🙌🏼🙌🏼🙌🏼🙌🏼 I love how you keep it so blunt no sugar coating! You’re awesome 👏

The caller did a very smart thing with Dave. She told him what they made AFTER taxes. That way when Dave starts giving out advice he gives realistic numbers. He always seems to down play or not fully take into account the impact of taxes when giving advice. This way you don't give him the chance to do that.

@eldnahym

4 жыл бұрын

That’s true but then again, many callers don’t seem to know what their after-tax income is either. 😂

@katelyndefreitas2810

4 жыл бұрын

Yes he always seems to think they’re less than what they are. But hey, I’m Canadian so 🤷🏼‍♀️

@twincherry4958

4 жыл бұрын

@@eldnahym how can one not know what their after tax income is unless they're loaded...with no financial constraints or setbacks.

@RKmndo

4 жыл бұрын

Yeah, I have a LOT of stuff taken out of my pay before I get my take-home 80hr check...fed tax, state tax, union dues, health insurance, 401K, retirement plan, etc. My buddy works the same position in a different state for the same exact wage. His 80hr checks are considerably bigger because he pays no state income tax and he deducts 1 more child on his fed taxes.

@twinkletoes8094

4 жыл бұрын

@@twincherry4958 Stupidity

Paid off cars ALWAYS drive better than cars with payment books / lease cars.

“KGB” 😂

Never buying used cars again. They break down costing more money. Only purchasing new cars from this day on.

Untamed advice! A part of the reason our debt-free journey was propelled to get Rid of $73K in 3 months. My husband was all hands on deck with us being debt-free (I was kicking & screaming)...... He TRADED-IN his New Mercedes to get rid of debt. I posted a video on how we got out of debt. I'm so happy we startedand stuck with it! Thanks Dave Ramsey.

Busy at work, but not busy enough to sit for hours in a dealership.

Wow if I had $80k after taxes it would be easy to pay off the 30k debt and buy 2 used cars cash within a year and still live off the rest

Coscto sells adult sized electric scooters for $300. Will more than handle the drive to work for him. He might even start a fad with all the other employees.

@smokinhalf

2 жыл бұрын

not if it is raining or snowing.. maybe he works nights.. probobly needs a car but not really a new car

@maxwellspeedwell2585

4 ай бұрын

I know a guy who has an electric scooter. I also has snow tires and fenders.

I’d bet money they still finance cars.

@sgtdhayes

4 жыл бұрын

Which baby step can I start betting again? LOL, Just kidding

@drewg4261

4 жыл бұрын

Ding! Ding! Ding!

@roncur

4 жыл бұрын

Dave Ramsey is against gambling bro

@TheTaquitoProject

3 жыл бұрын

​@@roncur at least at the casino you get free drinks, unlike when you burn money in your fireplace at home.

@kbanghart

3 жыл бұрын

@@roncur gambling is fine in moderation, just like everything else..

I have a friend who did the FPU at her church. Then promptly bought a horse. Horse got sick, she cleaned out ten thousand form her savings, all of it, and six months later the horse died. She just laughs at her stupidity. Some people can't be help. Those who really want change get change.

Husband needs to buy a bike. 5 minute commute to work?? I wish!

“You might be poor, your shoes might be broken, but your mind is a palace.” ― Frank McCourt

@irishcladdagh3

3 жыл бұрын

Actually I am poor my sneakers are holier than god but with that....I just paid off a 2k loan today...not debt free yet but well on my way ☺

"Guys cannot hear you if they can't read your freaking mind" 🤣🤣🤣 Preach brother, that's gonna save a ton of marriages right there 🙌🙌

@TheEllaTB

3 жыл бұрын

I have to remind my husband constantly that I can't read his mind. He keeps expecting me to "figure it out" 🤦🏼‍♀️

"Stop everything, turn off all the jingers and dingers going on in the house..."

Like Dr. Phil says...You have to put the dots real close together for men.

@macummings7818

3 жыл бұрын

😆 love that man!

Im never going to buy a new car again. I will buy used

@elijahanderson6736

4 жыл бұрын

Same, just decided to pay off the loan in full. 10.7k. Still have 17.5 on the bank so it’s a no brainer. Debt free now!

@austintomkewitz7206

4 жыл бұрын

At least 3 years used for me

@tonitoomer7168

4 жыл бұрын

I use to say that too until all my used cars kept breaking down. I will never buy used again.

@Cupcake813x

3 жыл бұрын

Toni Toomer I just bought a used car (7 years old) and had to put over $1000 in it shortly after. I will definitely be buying a newer car (1-2 years old) next time around.

@tonitoomer7168

3 жыл бұрын

@@Cupcake813x exactly!!

"Too Busy to watch"... That's called an EXCUSE. AND You're buying the B.S.

“You must gain control over your money or the lack of it will forever control you.” -Dave Ramsey

Dave hit the nail on the head...and that is why until both people agree to FPU, "Dave Ramsey" is a cuss word in that house.

pretty crazy that people who make $80,000 are having money issues...don't know how to budget...I know people who make $28,000 who have zero debt and they budget.

@JamesJamersonIsAGod

3 жыл бұрын

mo-money, mo-problems. So many people call in with BALLAH salaries and they are in it wayyy worse than someone making minimum wage. They see that offer letter for the 6-figure salary and they think they are millionaires. They finance two luxury cars, buy an expensive house, boat and rack up credit card debt. It's like the banks will lend at a different debt/salary ratio. Oh they make 3x that guy? Okay lend them 15x as much. Then their only way out is to sell most of the stuff and live on rice/beans and ramen like the true poor person.

@charlottemariesmith

3 жыл бұрын

80 isnt that much

Sometimes it's difficult to get the people you love on the same page with finances, but persistence is key! Keep hammering with a warm heart and good intentions

Thank you for sharing 🙌

In a world of Macs, I like seeing that Dell proudly up there on the desk.

You can still buy a reliable 3-5 year old used car with relatively new technology, that basically looks new, and will run almost forever. Problem solved!

@sosa3017

4 жыл бұрын

Yup but everyone wants the nice lifestyle 🤦🏻‍♂️

@rachelroelands9928

3 жыл бұрын

We are looking for a new car. What is the best way to find one of these cars you are referring to?

@rachelroelands9928

3 жыл бұрын

When I say new I mean new to us. It'll be a used vehicle

@kbanghart

3 жыл бұрын

@@rachelroelands9928 I bought a Kia Sorento used from a Hertz dealership, it's been great. Just look around at the different apps.

@Jane5720

3 жыл бұрын

Same

5 minute drive to work and can’t get a bike!? Wow that commute is gold for that method!

My car was $1800 from the dealership and it has lasted me six months of Uber eats. Easily 1000 miles a month. I’m glad I didn’t get such an expensive car for my first car.

@itsmedavidd

2 жыл бұрын

Oh and it still works

Love how i get financial and relationship advice from dave all the time

I know a lady who makes her lunches before going to work for the week. Her car is paid for. She buys clothes as needed, does her own nails, owns all her real estate, has no debt…. Her job went to China and she is now working for 1/3 of what she used to make. Her high-paid cow-orkers make 3X what she makes. They order from the bistro, have manicures-pedicures, drink expensive coffee like it’s the last cup that will ever be brewed, finance expensive cars, have a ton of college debt, order expensive clothes on their phones when they are supposed to be working and then whine because they want a house and can’t afford it. 🤣🤣🤣

I learned about Dave Ramsey many 4 years ago..by listening and taking it seriously. I would have been much further along. It takes time for certain people.

I wish I woulda seen this guy before I would have gotten into debt but totally changed my view on money this guys out here saving lives even though I’m only on baby step 2 I’m trucking through thank you Dave sending blessings from PA

I don’t always agree with Dave but I sure do love his disdain for the IRS and big government

HE CALLED THE IRS THE KGB GOD I LOVE THIS MAN MORE AND MORE EVERYDAY HAHAHAHA

Alcoholism. That was a 10 for us where I had to sit him down and tell him he needed help.

Gosh. I love this advice! esp. hearing about marriage. bc it really is a marriage-issue, not finance.

tiger king.. GOTCHA!! Men need straight talk. no hints, no 'drive bys' as Dave calls it.

Buy two inexpensive cars , wait til December to purchase a car for her as she doesn't return to work outside of the home until January and save, save, save

I live for Dave’s shade. Lol

that KGB reference was super funny and correct lol

We're making about the same amount and in 9 months we could have easily over $10,000 cash (we have a little more debt). You can get a 2009 Corolla for $5,000. Drive it 6 months and have a $10,000 Corolla. (Not to mention, you have more cash you aren't putting toward the fleece.)

Making $80,000 after taxes but carrying $7,000 on credit card? Are they insane?

with that income , i would have been debt free and with two decent cars in my garage in a year :)

@hgonz14

3 жыл бұрын

More money more problems

Every time I watch one of these videos I pay off a little bit more debt!! You speak to my soul 🙏

Just wanted to say this. I love that Dave addresses the actual problem and not the symptom. Her symptom - what Dave do in our shoes about getting another car. Dave - your in FPU, why isn't your husband there too?

6:42 my dad always told my mom the same thing, I don’t get hints! Lol

Comparing the IRS to the KGB is barely a joke

@jennmenzel6365

4 жыл бұрын

I'd go even further. Taxes are an important part of a functioning society. Education, infrastructure, social services, policing, etc would be sorely missed. Comparing that to the kgb is ridiculous.

@lonestaroutboards4347

4 жыл бұрын

@@jennmenzel6365 if your fed income taxes actually paid for any of that, then I'd be happy to pay it.

@briansamaniego-howard1806

4 жыл бұрын

@@lonestaroutboards4347 lol especially when 50% of Americans don't pay taxes.

Love all the new financial education becoming available 😃

Everytime Dave talks about how us guys don't get subtleties and need to be told directly, I think of a certain episode of "Home Improvement". Jill: "I don't know how I could've been clearer. I told him he was getting his tux cleaned, I told him about the hors d'oeuvres we were having Saturday night, I even circled it on the calendar. I did practically everything except sit him down and say 'Tim, we are going to a fundraiser Saturday night' oh my god I never did that."

@kbanghart

3 жыл бұрын

Yes, guys our idiots sometimes and don't listen. I learned my lesson.

Caller: "i have a complaint about my husband" Dave: "let me get my cape"....

@DeionSardines

4 жыл бұрын

😀😀😄 exactly

@brianpitsilides5337

4 жыл бұрын

@Anne Day common sense would tell you that if a women is spreading her husbands business on a national broadcast then there's probably more to the story. I've listened to Dave for years and he takes the side of the women 90% of the time. Common sense would tell you women are probably in the right around 30-40% of the time. If a guy had called in making the same complaint about his wife, Dave would've told him to grow up and be a better leader for his family. Well, imo same applies here. Maybe the husband doesn't want to get on board because his wife doesn't submit to him and nags him constantly. I lived long enough to know that money problems in a marriage are just a symptom of a bigger problem.

@YeshuaKingMessiah

4 жыл бұрын

Brian Pitsilides 😂🤣

@anniesshenanigans3815

4 жыл бұрын

@@brianpitsilides5337 this may be true here, but IRS is an emergency... not something to ignore and finance two new cars!!

@nicolab2075

2 жыл бұрын

@@brianpitsilides5337 I'm fascinated to know what makes you think that 'common sense tells you that the woman is in the right 30-40% of the time'???? Do you think that rationale leads to a happy relationship?

Changing habits are hard but you have to make time for things that are important in your life. If not you’ll never change

Dave Ramsey saved our life, we are indebted to him forever. Hands down the best thing we ever did was get out of debt and follow his advice If only I had family like you, i would have had the best start in life, Thank you very much again Uncle Dave!

@Matt-cr4vv

10 ай бұрын

Indebted to him is truly an irony

It’s hard enough for one person in the marriage to realize what a couple of losers they have become. When the other is resistant to facts it’s a nightmare.

@msubtech84

3 жыл бұрын

I feel ya brotha

Christy's reactions were priceless!

I wish I had heard this conversation 10 years ago when I was reading the books and realized I needed to start placing debt as a priority. Perhaps my period of unemployment with debt wouldn't have been so terrifying. THANK YOU for telling people how to say "this is important." I'm lucky my wife trusted me and went with the plan (she deferred to my decision). Now she can see how much of a safety net we have and how others scream at every little bump. We didn't follow the baby steps exactly - but the spirit was there and we've made great strides over the years. Things are on hold while I build cash (my job is barely hanging on thanks to the lockdowns), but we don't worry about lights, food, etc. Thanks to an emergency fund we can take a big hit, if needed.

They're gonna continue to finance their cars.

It’s convent to have a newer car with less issues. But at the end of the day it’s better to deal with the car you know. Fun fact new cars also break and often now made to break. Hope they work their way out of debt but adding to it doesn’t help. But why do you need a new car when your not willing to work full time and can walk to work

- He watched every episode of TigerKing, did he? - How do you know? - I'm watching you Carol...

your content is the best much love to your'll