I think the house was inherited. I doubt they paid off their house with their disfunction.

I don’t understand how spouses can just let their other halves drown in stress over finances. Be a partner and help !

@thehoov6672

2 жыл бұрын

He may be an adult by age. But he's a boy by mentality. That's how.

@avarice5071

Жыл бұрын

@@thehoov6672 lol, yeah. Also, when you have a generation of parents who aren't speaking to their own kids about their finances they will raise kids who don't speak about finances. I remember asking my mom about how much she actually makes and speaks and the question along gained me annoyance and disgust from her I couldn't understand it. From my experience parents exist to co-exist with you not really teach you.

@lionmangolf

Жыл бұрын

My wife keeps the house clean, does the laundry, & I pay the bills. She doesn't help me & I don't help her. She hates math & I hate cleaning. It works for us.

@xsgtxbigboy1655

11 ай бұрын

@@thehoov6672it’s his fault she don’t work? Lmaooo aways excuses for the girls always the men fault

I like the calls that start out. "Hi Dave, I'm doing everything you teach." Lol!

@T25de

3 жыл бұрын

😂

she was clearly distressed or something. thanks, Dave, for being so kind to her.

@Nilsosmar

5 жыл бұрын

He seems a little harsh in the first part, but in the second half of the video he does say some kind things to her... he says it's not her fault, her husband needs to pull his weight.

@febeomnibeepboop6367

4 жыл бұрын

sounds like she will be a single mother soon.the husband is just mooching of her by the sound of it. shes afraid to pull him to the table. Its the truck that is intact and running costing money. her name is shante and she is from detroid. making 50k a year yet shes broke. Some one is spending that money on their sideb%^tch

@ladyj8487

4 жыл бұрын

a qq

@darbyohara

3 жыл бұрын

She doesn’t need kindness. She needs honest talk of the verbal slap in the face kind to wake up.

@T25de

3 жыл бұрын

I hope the pep talk helped her turn it all around.

Love your patience with this lady

@soulnurturer1175

8 жыл бұрын

me too

@666dynomax

5 жыл бұрын

Dave loves the ladies, and chews the men out, tells them they are lazy and dont work hard enough while the wife sits home ;) He would chew the caller a new one if it was a man...

@pozloadescobar

2 жыл бұрын

Shante definitely has her heart in the right place. I hope she turns this around, which may mean getting rid of the goober who isn't participating in the marriage

She does seem a bit clueless, but she also seems to be pulling the entire load by herself. Stressed, hopeless people can't function well.

@EmpireTextbooks

4 жыл бұрын

Mark B clueless? maybe. stupid? yes

@tanL22

4 жыл бұрын

@@EmpireTextbooks Who are you to judge anyone? Are you perfect?

@elcheekoful

4 жыл бұрын

Her Husband needs to step up. To help deal with this mess. He might have to fight with her. But he needs to be doing something. What it sounds like to me

A paid for house and behind on the electric bill? Now I've heard it all.

@SuckerPunch92

6 жыл бұрын

Vickie Clark it’s her husband

@plazmicflame

5 жыл бұрын

The husband is definitely doing stuff on the side. Money is slipping out somewhere. If you look at each transaction, you'll figure out what's going on.

@JaredHassell

5 жыл бұрын

Guarantee the husband is spending some money the wife doesn't know about.

@x-fatboylifestyle589

5 жыл бұрын

Vickie Clark 😂😂😂😂

@jono3665

5 жыл бұрын

She called from Detroit, some of the houses are super cheap here

Oh yeah I'm doing a budget, no I dont know how much our income is and I dont pay my bills before my debts. smh

She is either clueless or simply not being honest during the phone call.

@MrMustangrick

2 жыл бұрын

I think clueless.

Only because I went through this with my ex, it never made sense. He was hiding his paycheck stubs and bills.

He was surpassingly gentle with her. This was a good video. But yeah, she definitely isn't budgeting.

@soulnurturer1175

8 жыл бұрын

exactly

@firebrandsgirl

8 жыл бұрын

She isn't even looking at the bills. HAHAH if you don't know what you make and what your bills are you can't even be looking. Is she paying the property taxes on that home? The Home insurance?

@cawheeler27

7 жыл бұрын

I felt so bad for her. It was clear she wasn't formulating a real budget when she can't even describe what she's bringing in every month. I have a feeling her husband is a big part of the equation. If he's not even involving himself with the financial side, he could be spending god knows how much money without her even knowing about it. Marriage is a partnership, and that means both parties have to take equal responsibility to make that household function. I hope her and her husband can sort this mess out together.

@paulstandaert5709

7 жыл бұрын

I asked a woman at my work if she had her own well and septic system and she did not know. Very well. Does the city send you water bills? "I don't know. If I get a bill from the city, I just pay it."

@pinkflamingoes

7 жыл бұрын

A little late to the comment game here, but she cold call the electric company and ask to be put in a payment plan. They'll often do that.

Odds are the guy is a deadbeat. He says "he trusts you" with the budget but doesn't intend to actually live by it.

@cathyrowe594

4 жыл бұрын

"I trust you" seems to be code for; 1) I really do trust your judgement or 2) do whatever you want because I'm 100% not invested in this relationship!

@actuallyterry

3 жыл бұрын

I think "I trust you" in this case means that if she screws up he can blame her.

@crow-vz5lx

3 жыл бұрын

" I trust you" when her husband says that, he's redirecting what he's really doing on the side.

Dave is a good coach. He hears the story, analyzes the numbers, and gives a plan.

@macummings7818

3 жыл бұрын

Such a good heart 💗

That $300 credit card should have already been taken care of!

@AshBoogie24

8 жыл бұрын

+Adam Bottjen exactly!

@soexcessive84

7 жыл бұрын

Adam Bottjen i used to work in collections and people would open a store credit card with visa logo pay the minimum and charge the available balance right over again and it never ends. Seems ridiculous with such a low balance card but I've heard everything from needed gas to groceries to kid had a school function I had to pay for and the extra cash just wasn't there but the credit was.

@yeahisaidit6184

6 жыл бұрын

soexcessive84 I believe it because I’ve done it. I’ve literally made a $25 payment on a card then immediately turned around and used it as soon as it was available.

@charaardrey5846

6 жыл бұрын

Exactly what I had thought

@666dynomax

5 жыл бұрын

i was surprised it was that low... yes should pay that first then get them lights

Dave is such a nice guy! She was 'drowning' and her husband just doesn't get that marriage is a partnership that has to be worked at. You can't just sit back, look pretty, and let your partner take the load. Good on Dave for helping.

Respect to Dave being so patient with this lady. She needed it. She's doing it all on her own basically.

@inthevault9603

4 жыл бұрын

I wouldn’t have been so kind. This is infuriating.

@Musicienne-DAB1995

2 жыл бұрын

@@inthevault9603 The situation is a bit ridiculous, but if she had enough humility to call in and ask for help, that does merit some sympathy.

Sometimes you just need to hear the truth without sugar coating. You can tell she was shocked, but thankful of having heard the truth.

That has to be at least 18 months of electric bills! 😳

Same problem my mom had with my father. She will be in debt forever if he's not on board.

I love it whenever he tells Kelly to pick up because I know they're going to get something good!

@macummings7818

3 жыл бұрын

Yeeeess! It makes me happy too 😀

Dave ask the same basic questions on every show, I wish callers would have that info written down so they could read it out quickly with out all this him hawing. It's nice to see Dave is always willing to help out those struggling. Hopefully she got to sit with the coach and get her husband on board. I'd like to know if they are debt free now or close to it.

her husband is handling the money and he spending all of it

Someone in her household has a habit or an addiction. She needs to wake up.

@dantexventa3695

3 жыл бұрын

Why does it have to be an addiction,a secret baby mama or a stripper ? Can we stop with the assumptions pls . They just overspend and need to stop hence her calling and trying to sort things out

@msims1081

3 жыл бұрын

The habit or addiction doesn’t have to be sinister. It could be eating out, hair, nails, entertainment, etc. Some of those things are addictions for some people.

@araineacutebrownnurse7315

3 жыл бұрын

@@msims1081 exactly !

I promised myself early I life that I would not STRUGGLE with anyone. And I have kept that promise and now I love a successfully single life. It is awesome!

#1 issue is the husband ---> She makes a budget and he's not sticking to it because he's not involved. He is not taking care of his family, it's not about bringing home the bacon and having the wife frying it up in the pan anymore. Man stand up and work with your wife.

@smithersrob

6 жыл бұрын

She clearly doesn't make a budget, shes sitting there trying to do the maths off the top of her head on their monthly salary, if she had been doing a regular budget for 5 years she would know that number as well as she knows her own name.

@butterflyqueen9260

6 жыл бұрын

dmebrown i bet he's cheating

@lisaadams42

6 жыл бұрын

Butterfly Queen What?

@MrWhite-pn7ui

6 жыл бұрын

Don't worry they'll be divorced soon enough.

@666dynomax

5 жыл бұрын

hes probably at the bar... too busy ;) whered that money go... like when i pick my kids up after school theirs a bar by the after school place, same drunken fools there every night after work... who can afford that...

I just started watching Dave Ramsey, loving his advice and kindness to his callers.

Having the knowledge to get out of debt isn't enough, you need to put the knowledge into ACTION.

You can do it Shante, don't give up, girl! :)

I just became aware of you Dave and your channel. I've been watching a bunch of your videos for the past two days. I am now focusing more on my monthly budget thanks to you.

"I don't understand, I read the book and my debt didn't go away"

@markgroth4380

4 жыл бұрын

She needs to read the book again, but actually do what it says this time.

@MsJoyce31202

4 жыл бұрын

😂

@readerbabe1984

3 жыл бұрын

Motion makes her feel like she's getting things done. But really she is just preparing to get something done.

I love Dave's laugh!!! 🤣🤣🤣

I remember back in about 4th grade where we had some math problems that went something like, "Sam has $10. Sam wants to buy pencils, baseball cards, crayons, and a flashlight. Does Sam have enough money for these items?" We had to add up the price of each item on a price list without the use of a calculator and use some simple deductive reasoning to decipher whether or not Sam had enough money for all those items. Maybe all of our 4th grade education has been lost.

@macummings7818

3 жыл бұрын

Love it Yep those early lessons were foundational!

@jackieferrarimusic

Жыл бұрын

😂😂

Ok so who is she fooling ..They're overspending and it sounds like HE is the problem and she is in denial

no mortage payment and your that broke . eat rice and beans for a few months

She sounds scared like she realized her husband is cheating or using drugs

She sounded overwhelmed and I agree, there probably isn't a budget in place.

This lady wasn't prepared when talking to Mr. David Ramsey.

Would love to hear follow ups on a lot of these older callers

paying for a coach was very nice of Dave. great work Dave!

I really hope her situation gets better & congrads to her for being brave enough to come forward with her situation.

Why do they allow these callers in who don't know their numbers? I wish they would tell them to call back.

The best time to plant a tree is 20 years ago. The second best time is today.

@cam4short

3 жыл бұрын

Absolutely love this ❤️

Shopping, eating out, fronting lifestyle. Husband not totally pitching in. How in the world are you in a house paid for, 2500 behind on light bill. What about water bill, car insurance, also really sad and unreal...really hope they get it together as a couple.

come on man.. We accidentally had two kids....because you know he slipped and fell and then two kids popped out. How about paying off bills first.

This is why people are living paycheck to paycheck and barely making it by because it’s not their priority.

@peartfaldo

3 жыл бұрын

Exactly!!!!! Has NOTHING to do with inequality and all the other BS that is preached today

So...they wanna ensure their kids have cable but not electricity when it goes out?

Could be wrong but sounds like the husband might be doing the spending. 50k a year but behind on your light bill?

Bless her heart. Someone is very naive.

I finally sat down and wrote a budget the other day. I am really enjoying the Dave Ramsey show.

The first thing is both parties need to be on the same page. They have to do the budget together.

@michaelmarquez6133

3 жыл бұрын

Yes on one hand it's ridiculous that they're behind on their electric bill especially making 50 and no house payment but on the other hand I really could see how they're behind because the guy says OHSU I trust you and that means that he's not worried about anything as long as he has whatever is important to him like money for lunch or money to put gas in the car or whatever probably doesn't even know how far behind they are on the electric

I love Dave Ramsey! You are one of a kind. Thank you for all that you do...may God continue to bless you and your family. My husband and I are on fire with what you teach...we are on our way to being debt free, with the help of the Lord we've got this!

The best one yet Dave !

I love that Dave really wants you to win!

Time to tame that money and win !

I hate how he has to pull teeth with these people. You listen to the show. You know what he wants.

@Lola-di8fq

4 жыл бұрын

Exactly

@ErrorPagenotFound-ig1cy

4 жыл бұрын

Most of these people just cant comprehend

@macummings7818

3 жыл бұрын

😆😆

I need an update on this!

I think she is overwhelmed. I do not think that the husband is doing his part when it comes to this marriage. I think anyone can get to this point, just need to be disciplined.

If the husband has no idea what the budget is, he can’t be staying within the spending bounds. He just spends whatever and then tells his wife, “figure out how to make it work. I trust you.” I would be so angry if my husband was doing that to me every wk/month.

No mortgage making 50k... you should be balling so hard

My Wife works for an electric/gas Utility in Billing, and it's amazing to learn how many people think that having electric and gas service should be free. It's often the last thing paid when things get tight, that includes after the new car they can't afford and the $800.00 dollar outdoor smoker grill. Ever wonder sometimes why your utilities bill is so high, some of that is because of the amount they have to write off every year which the amount would shock some people.

People need to stop calling her stupid even David went broke

@damianb2702

6 жыл бұрын

He was stupid back then as well, he even said it himself.

@MrWhite-pn7ui

6 жыл бұрын

We're not here to sit around and hold each other's hands, snowflake.

@KennyakaTI

6 жыл бұрын

Kelly Best89 when I make dumb financial decisions I call myself stupid.

@soundmoneystacker2787

4 жыл бұрын

Faizan A yes maybe with some savings she can buy new husband 😂

@kashfortheking

4 жыл бұрын

If the shoe fits... change shoes.

It's not a "paid off" house...it's a home she inherited from her grandmama...that's why she's drowning in debt. Somebody else put in the hard work and left their legacy to give her the shot at life that they never had and she spent the money she was earning on a status symbol car, new hair every week and brightly coloured finger and toe nails...no pity here for girlfriend.

I almost had a panic attack listening to this caller.

What a sensible calm outlook dave Ramsey, has, explains everything to caller, surely people are getting out of debt, all of it works, I've done this

Stay up to date with the latest videos from The Dave Ramsey Show by subscribing! kzread.info

God bless you while you blessed others

Thank you for posting these videos there help me out.

Dave's awesome!

This is a whole different side of Dave. So kind and compassionate. If her husband doesn't help how does the left hand know what the right is doing she budgets 300 for the electric he spends it on bs and she's lost to it.

You are such a good person for what you do Thank You !

I feel embarrassed for this woman.

@BatBrakesBones

8 жыл бұрын

***** Exactly. I would be ashamed to call Dave and describe this.

@Daniela.m.

7 жыл бұрын

She should have never admitted she read his book and took the class and here she is 2500 behind on her electricity. So embarrassing

@arienfox

7 жыл бұрын

She was able to get through the phone line to speak with Dave; The teachings are great though.

@lijohnyoutube101

4 жыл бұрын

Why? It takes strength to make calls like this. I think its uplifting to see truth in action and to cheer her on from the sidelines. I don’t feel embarrassed at all, in fact it seems like an odd reaction.

@tyler-edic

4 жыл бұрын

She's got the level of humility to admit she needs help. That's huge.

I filed for bankruptcy in 2007, I also married my husband. We have a monthly income of $4,100 we still owe $59,300 on our home which we bought for $110,000 in 2011. At the same time we had 3 kids, and I paid off my $14,082 in Student Loans. We currently have $4,700 in credit card debt. I'm now on Step#2. I was over my head as I co-signed for a $30,000 Lexus for a boyfriend and I had over $25,000 in credit card debt.

thank you dave. i needed this.

I remember hearing this a couple of years ago and I still say Dave is such a great man.

I love when he says kiddo

This is crazy! She owes her house outright and is in that kind of debt. She doesn't have the biggest bill everyone else has...every single month. I blame her husband. What is he buying in secret?

@Mrs.T305

6 жыл бұрын

Yup

@oakiediaries9907

6 жыл бұрын

Exactly what I was thinking !!!

Lol......gotta love Papa Dave's advice and money Principals.

Dave is like a dad (financial dad) we all need but we don't deserve ;). BTW. I agree with him about 70% of ideas.

I like that he told her he wanted her to win-Dave really cares about us getting out of debt! Saw him last April at the Tower Theater in a suburb of Philly-was well worth it! Hope Dave and the whole crew come back-a lot of people need his program!👍

Wow! Dave paying for a coach in her area!

I don't know why she called in she seems clueless. I don't know how they paid off the house and how do they still have house after bankrupty . How can she be serious to not even know how much they make or their bills. She knows how he is why set your self up to look foolish.

This woman needs to get a clue. Seems like she hasn't learned a thing from the book or from financial peace. Why would she get herself a credit card after filing bankruptcy? They need some couples counseling first and foremost. They should have more than enough money to live.

@garyhost1830

6 жыл бұрын

kakelinga how do they own their house?

@garrettmesser3977

5 жыл бұрын

Gary Host they live in Detroit, they can be had really cheap. $50,000 per year after taxes is at least $3,000 per month!! With no mortgage a car payment and food couldn’t possibly be more than $1500.

He's so nice and understanding. I got irritated by just listening to how she's behind on her light bill.

2500 late on electric bill. That angers me cause I used to be irresponsible and unorganized. I never owed that much money but I was pretty stupid in not having bills paid on time

Paying for a car that doesn’t work......says it all really. I dare say they thought they didn’t need to put water and/or oil in it.

If she’s Bringing in 2500 a month she’s only making 30,000 a year (and that maybe before taxes) That’s far off from 50,000. Step one she needs to know how much she’s making

"I don't understand what's going on..."

I feel like she is frantic and all over the place. Its like shes a hummingbird Just slow down and listen.. Relisten to Dave bc u didnt the first time

still don't understand why people are not honest and upfront about things when they call in.

I like the log jam example. You want movement then you gotta blow something up. Boom.

Dave seems shocked that she's in debt while owning her home. My house cost about 6,000 in Detroit (see did some renovations, but it was livable at least). I know a ton of broke homeowners. Its cheaper to buy than to rent here

99% of life is planning. The plan never works perfect, but it’s always better than no plan

@ImOldandSoAreMyBooks

5 жыл бұрын

You know I have never heard it phrased it exactly that way and I gotta tell you I like it.

math is hard LOL... you gotta know your monthly bills versus your actual take home pay after taxes or you can't even start a budget

Why is the husband not leading his household with her help?

Wow that's a lot of back utilities. My town threatened to turn mine off when I only missed one payment when the check fell between car seats and I thought I paid it. My bill is only 50-100 per month lol.

The people that judge. Jeez. 50k is squat after taxes for a family of 4!!!!! and in Detroit, where i'm from, I'm not surprised the light /gas bill is high because the local energy company sends inaccurate bills. Sent me one, where I paid in full every month and they said the payments weren't being distributed properly and sent me a $400 bill! any who, and the car insurance is up the a$$ in Detroit. $300 a month for a 10 year old car.

@jennikattt

5 жыл бұрын

Kenya Williams no mortgage though? Oh come on

@kenyawilliamsrealestateage4689

5 жыл бұрын

Jennifer Aviles I understand where one would think she’s miss managing money but after taxes and for a family that size it’s not much. I teach money management workshops and do financial coaching where I help people create budgets. There are many people in Detroit without a mortgage as you can cash out property for as little as $5k. They still aren’t able to stack cash depending on the circumstances. People will judge if they aren’t in the situation to know first hand someone’s situation detail for details. I wish she’d call me. I think I can assist ☺️

People read the book and think it ends there. Like it will just magically happen now. People are scared to suffer a little. “I don’t know how to get caught up”. Pay it! You have the money but just spend it elsewhere. Silly.

I’m trying not to judge, but my God!🤦🏾‍♀️

If he doesn’t want to build with you, he doesn’t want you. She’s staying for the kids. She’s flustered but feels trapped. I pray she is better now.

I'm pretty sure that they inherited the paid off home. Because no pays off home and get behind on lights