"When I do a budget, we don't stick to it." Found your problem.

@turtleanton6539

11 ай бұрын

😊yuuuup for sure

@steelcastle5616

11 ай бұрын

As always...the math is simple but the human arithmetic is the "fuzzy" part.

@donnanewman9571

2 ай бұрын

That sounds like me when I say I’m going to go on a diet

Getting out of debt is simple, not easy. It takes discipline. Stay away from un-disciplined people and you will prosper.

@angel-ij4xv

11 ай бұрын

stay away from credit cards simple

@Dan16673

11 ай бұрын

​@@angel-ij4xvfrom most people. Absolutely

@blackworldtraveler3711

11 ай бұрын

@@angel-ij4xv Yes and alcoholics should stay away from beer and wine.

@johnnybrown12

11 ай бұрын

Same as losing weight

@bjkarana

11 ай бұрын

@@angel-ij4xv but not easy, haha.

They told me to drive in a straight line, and so kept turning right and left. I have no idea how I got lost

@whitney9844

4 ай бұрын

😂

"Are you Safe????" at 11:01. Even the caller was like "chill bro!". Dr. John lol...

@thirdcoast-nx7jx

11 ай бұрын

Deloney was concerned about domestic violence. He had to ask. Situations this dysfunctional are breeding grounds for domestic violence.

@KatieBellino

11 ай бұрын

I thought it was a valid question. She was false bubbly through the whole call and she mentioned the husband not being on board as a barrier. He was trying to make sure that it wasn't deeper than that and a full on controlling abuser.

@healthwithmarcus

8 ай бұрын

​@@KatieBellinoAre you safe?

@rafaelcardenas515

4 ай бұрын

@@healthwithmarcus😂😂😂

@Ka_Gg

3 ай бұрын

​@@thirdcoast-nx7jxyou can legit make the argument that everything is a "breeding ground" for domestic violence.

3:25 “I wouldn’t be doing this if I thought everyone who made mistakes were mistakes themselves.” Now THAT was beautifully put.

I recently paid off two collections and I had to put in tons of overtime at work to eliminate it. Now I’m working on my car loan and throwing chunks of money at it. It’s rewarding to see the balance going down weekly!

@frozentundra7446

11 ай бұрын

Congrats!

@sethkearl8056

11 ай бұрын

Keep going! That’s awesome!

@appleiphone69

11 ай бұрын

Don’t stop. After it’s paid off, save and invest. No greater joy then being financially secure.

@johnSmith-uz8nl

11 ай бұрын

You will get to a point where you have no more debt... THEN you need to invest your extra weekly income wisely (eg. S&P 500 Index)... that is how you become rich.

@Chelle-kd1po

11 ай бұрын

CONGRATULATIONS! Keep up the great work.

Dave teaches people how to be financially responsible, typically people who want to live beyond their means and indulge in irresponsible spending don't like his methods. It takes A LOT for a credit card company to sue you, clearly they're much more reckless with money than what they're telling (meaning the wife too, not just the husband).

@littlesongbird1

11 ай бұрын

Yeah I had made some bad financial choices especially younger (better now and making better income) but never had a credit card company sue me.

@linkbelt111

11 ай бұрын

These people just want to be heard on the radio, that’s all. She makes ZERO sense.

She just keeps chuckling and laughing, and says she's happy. My wife and I got an eviction notice from our landlord years ago, and we were not happy about that or our debt. We got out of it, we caught up on our debt, and never did it again.

@2bituser569

11 ай бұрын

She sounded like nervous anxious laughter. Putting up a pretense of happiness on the outside.

@jimroscovius

11 ай бұрын

@2bituser569 I understand that, but this was too much. Even the hosts thought she wasn't serious enough.

@taylerlong2995

11 ай бұрын

I sounded like this when we lost our home to a flood. It was just such a surreal situation I think my brain kinda kicked into protection mode and made me act more positive as a weird coping mechanism.

@fredcurrier3288

11 ай бұрын

These people always interrupt guests. I thought this was the Dave Ramsey show ?

@jimroscovius

11 ай бұрын

@@fredcurrier3288 Those are two of his co-hosts. Also, you have to interrupt. You can't let them drone on forever. Listeners get bored.

He said don't talk bad about my friend Lindsay Wow...that's sweet, I love it

The secret is never get into debt. So simple, always live below your means so if a financial emergency happens, it’s not a emergency because you have funds to cover it.

@Ink30

10 ай бұрын

Simple but people can't seam to do it, kinda like just eat healthy foods easy but difficult

@Dean543-cc3fd

Ай бұрын

“Live below your means” yeah no thanks

People are always looking for someone to blame even if you have helped them from deep water and killer sharks.

@racerx6

11 ай бұрын

True that! They would complain that they had to pay taxes after winning the lottery

I taught FPU years ago. I worked the program too. It was huge help in getting me and my wife to understand and communicate with finances. After we got out debt and maintenance we are about to pay off our second home and live off the fruits of our first home and retirement.

@Dividendflywheel

11 ай бұрын

YES. Dave Ramsey’s program works. But folks do need to sit down and do a WRITTEN budget.

@linkbelt111

11 ай бұрын

Dave has made an absolute fortune selling common sense. Good for him!

@Dividendflywheel

11 ай бұрын

@@linkbelt111 I wish I was as smart as the dude. Is it true his net worth is north of $800 million? :-)

She.... didn't hold her breath. 😂😂

@random-nz7dy

11 ай бұрын

Lol John just can't help but do these corny things.

It takes a lot for a credit card company to actually sue you. This woman probably has had some major issues for a long, long time.

@tommycoe2333

11 ай бұрын

Yeah, sue for 4k? 😮

@VenerableBede2510

11 ай бұрын

She’s an entitled emotional brat

@joelkaben

11 ай бұрын

Yep. These are tiny amounts for them, destroying your credit score is usually more than sufficient for them.

@midlifecrisis7888

11 ай бұрын

Sign cash is tight out there, they will squeeze the blood out of rocks if they have to.

@superblump87

11 ай бұрын

​@@joelkabenno. Destroying your credit does nothing for them.

This is me! I’ve been doing Dave’s program on my own terms and have failed miserably. I finally decided to stop doing my own personalized version and do it Daves way I cannot wait until the end of the year to see my accomplishments. Tired of the struggle 😫!

@endofquoterepeattheline7516

11 ай бұрын

Good Luck!

@johnSmith-uz8nl

11 ай бұрын

What were your terms? Cause I have been Dave's program on my own terms and I have amassed a little over 4 million so far. What is "your" terms?

@TamicoShawn

11 ай бұрын

@@johnSmith-uz8nl my terms meaning not following his plan accordingly and doing things my way. Like instead of paying the minimum on my cards to save 1k first I would pay the minimum, charge more, save less. It’s basically not being disciplined.

@johnSmith-uz8nl

11 ай бұрын

@@TamicoShawn First of all, I never carry a balance on my credit cards... that is a sure way of staying poor. I personally have a HELOC and multiple cashback credit cards... that is why I don't follow Ramsey. Also, if you have a low mortgage rate, I may not pay my mortgage off fast.

@JpegJakeup

11 ай бұрын

Dave has a great video out on this. He told people to not call it his plan when your not following it. Your doing your own plan and it has nothing to do with him. It’s definitely a good watch! I’ve done Dave’s program to the Tee and I’ve paid off 40k in debt in 18 months. It really works if you just submit yourself to it! Good luck my friend!

If you can save $4,000 a month, & you’re blowing it on bullshit spending instead of knocking of an entire debt in that month…. I have ZERO empathy. None.

Super appreciate John and Jade's compassion on this clip

This lady's personality explains her financial situation perfectly. Frantic and just all over the place.

@tracyd2598

10 ай бұрын

Wow! Have you ever been in this position??

@jacosteyn9031

10 ай бұрын

sounds like denial

@OopThereItIs77777

9 ай бұрын

She’s not all over the place lol she’s got a great personality

@catherinewilke5583

3 ай бұрын

She does sound super ditzy

@brucefredrickson9677

2 ай бұрын

Good luck...you got a mess on your hands.

She sounds young and immature. She sounds like she’s trying to pay off her debt. It also seems like more is going on in her life than she is letting on.

@turtleanton6539

11 ай бұрын

For sure 😊

@insideoutsideupsidedown2218

11 ай бұрын

They have the money.

At 7:36 Jade is spot on - how much more is it going to take for this woman and her husband to get serious about her debt? Do they need to be thrown in jail?

@JpegJakeup

11 ай бұрын

They wouldn’t do good in jail, they would get themselves owing someone who wouldn’t think twice about doing something terrible to them.

@margie909

11 ай бұрын

Yes! Good point Jade

Credit companies usually dont sue, they usually contest sudden bankruptcy claims or unpaid debt.

I would love to see more of this kind of energy more consistently on this channel. I love seeing the callers treated with dignity and kindness.

@OopThereItIs77777

9 ай бұрын

I adore how John treats people. He genuinely cares & changes how they feel when they hang up the phone

Does Deloney get a bonus when he asks "are you safe?" Even the caller was confused why he was asking it.

@GardenerEarthGuy

11 ай бұрын

I'm just glad Dave has him wearing long sleeves to hide the scribble skin tattoos.

@abark

11 ай бұрын

Quack has a script and can't deviate from it

@formula112967

11 ай бұрын

According to Deloney, every man a a violent wife beater, and every woman is a domestic violence victim. Do you think he would believe me if I told him that my ex-wife was violent and I was the victim of domestic violence? I doubt it.

@tonycrabtree3416

11 ай бұрын

She’s clearly scared. You 🤡🤡🤡 are just hating, just to hate.

@cocomalonee

11 ай бұрын

@@GardenerEarthGuywhat’s wrong w tattoos?

I practice Ramsey lite, lol. I am a believer in being or trying to be debt free, and I live rather modestly but I will not sacrifice time or an experience just to live a certain way someday. I'll driver a cheaper car to have financial freedom but as a Dad I was not going to sacrifice years of her life working, working, working to achieve that. Sure I understand compound interest but I've seen people make and lose and make money again, but when this moment is gone, you will never get it back.

@sendit3251

11 ай бұрын

That’s just NUTs

@GAFB1122

11 ай бұрын

@@sendit3251 Explain?

@JpegJakeup

11 ай бұрын

Very interesting perspective!

@ItsMrLee

4 ай бұрын

Live for today not for tomorrow. That's basically what I got from this. It's good to have no debt and if you're able to save a good amount of money without being extreme then that's good. The extreme is for getting your debt done and starting to save again. If you don't have debt, great. You're doing the right thing. If you do though, then good luck because it seems like like I you're making excuses to keep doing what you're doing. Only you can know your real situation but if you're not willing to change your habits you will always live like you're broke, and that's the point of the channel.

@GAFB1122

4 ай бұрын

@ItsMrLee I understand the point of the channel, but like you said, only you or I know our situations. All about priorities and values and understanding the consequences of your choices. Let me give you an example. Many years ago, when my daughter was 6, we took her to Disney, and you know how expensive Disney is. Dave would say there was no way I was in a financial position to do so at that time. Well, my daughters face lighting at the wonders of Disney, dressing her up like a Princess 👸 for dinner, etc was priceless and I wouldn't have traded that for anything including getting out of debt a little faster or saving for retirement, etc. Money comes and goes, but those memories will last forever!! Never sacrifice your memories for money!

Dave has helped me do a complete 180 On spending. I’m doing great now

@alinatamashevich3354

11 ай бұрын

Avoid the 360

@PInk77W1

11 ай бұрын

@@alinatamashevich3354 yeap

The ol reliable "Are you safe?" line from Deloney lmao

@joelkaben

11 ай бұрын

😂

@macneoh7418

11 ай бұрын

I can't believe he said that BS

@random-nz7dy

11 ай бұрын

Don't forget the "Don't talk bad about my friend so and so" And the "Hey you know I'm just some stupid idiot with a microphone".

@elrubiochulo

11 ай бұрын

He annoys me with that lmao

@mike3271

11 ай бұрын

Safe from what I don't get it

Making money is not the same as keeping it there is a reason why investments aren't well taught in schools, the examples you gave are well stationed, the market crisis gave me my first millions, people shy away from hard times, I embrace them.. well at least my advisor does lol.

@McElvinn

11 ай бұрын

Investors should be cautious about their exposure and be wary of new buys, especially during inflation. Such high yields in this recession is only possible under the supervision of a professional or trusted advisor

@Aziz__0

11 ай бұрын

@@McElvinn This is superb! Information, as a noob it gets quite difficult to handle all of this and staying informed is a major cause, how do you go about this are you a pro investor?

@McElvinn

11 ай бұрын

@@Aziz__0 Not at all, having monitored edge my portfolio performance which has made a jaw dropping $483k from just the past two quarters alone, I have learned why experienced traders make enormous returns from the seemingly unknown market. I must say it's the boldest decision I've taken since recently.

@Aziz__0

11 ай бұрын

@@McElvinn I've actually been thinking of reaching a portfolio-adviser, my 401k and stocks been losing everything it's gained since 2019, mind if I looked-up this one coach you use?

@McElvinn

11 ай бұрын

@@Aziz__0 The adviser I'm in touch with is ''NICOLE DESIREE SIMON''. He works with Merrill, Pierce, Smith incorporated and interviewed on CNBC Television. You can use something else, for me his strategy works hence my result. He provides entry and exit point for the securities I focus on.

You know, people knock these companies trying to get their money back, but I don't blame them. Pay your freaking bills. You borrowed, you pay it back.

@sendit3251

11 ай бұрын

Msgs Dave

@ElliotTMan

11 ай бұрын

Only in installments, not in a lump sum. People agree to pay in installments, not all at once.

@tywebbgolfenthusiast8950

11 ай бұрын

@@ElliotTManThe paper you sign, (also known as a contract) when you borrow the money says what the payback terms will be. If you comply with those terms, the lender won’t ask for it back all at once.

@annaelisavettavonnedozza9607

10 ай бұрын

Completely agree

@Chet_24

10 ай бұрын

That's far too reasonable for current society. It's someone else's fault always, never our own. Or, at the very least, probably Trump's fault. 😅

We had to say no to 2 family trips this summer. It sucks but we don’t roll/debt like they do. Focus on your pains and cure them so they aren’t running in the background while you play!

@BridgeStamford

11 ай бұрын

Well done 👏

@johnSmith-uz8nl

11 ай бұрын

I never took a vacation for so many years... now I am at the stage of taking two a year plus weekend trips. Your time will come.

@AnimatedIdiotGuide

2 ай бұрын

@@johnSmith-uz8nlwho needs two trips a year and weekend trips? That’s such a waste of money.

@rayj.9568

16 күн бұрын

​@AnimatedIdiotGuide It's not a waste. He has earned it. He lived like no one else, so now he can live and give like no one else.

Love watching Jade and Dr. Delony together. You guys are awesome. Thank you for all the informational help given to people willing to listen.

Stop calling Dave "old". Old is irrelevant. Dave is very relevant and the methods work!

@DerickJordanDJ

11 ай бұрын

Do you believe earning money is easy when you have a reliable source of income

@sblijheid

11 ай бұрын

He is old.

@DerickJordanDJ

11 ай бұрын

Have you ever thought of earning money despite your job I can show you how I double my income

@margie909

11 ай бұрын

Any chance he gets, John calls Dave old.

@alinatamashevich3354

11 ай бұрын

@@sblijheid And wise

I would advise her family members to NOT loan them money to pay off their credit cards, unless they are willing to part with it forever. She sounds like an unserious, irresponsible person😮

Paying a lawyer because u didn't pay your bills....😢

Why would a CC company sue over $12K and $4K doesn't make sense, there must be something else going on that she is not telling us. They would just send it to collections if anything no ?

“Are you safe?” Oohh Yeah!!!!! 🤡

@cutehumor

11 ай бұрын

dr balony 😂

They are too reckless. The best thing that can happen to them is to have their wages garnished. If you can't be responsible enough to do it yourself, let a judge order your money to go to your debt.

@turtleanton6539

11 ай бұрын

Faxx😊

Debt snowball melted mid payback. Got to see it through. Celebrate victories but then back to the grind.

I thank Dave Ramsey. I would have been worst off if it wasn't for Dave Ramsey. But I still have to clean up the mess i made before learning what ive learned from Dave Ramsey 😫

10:53 I was waiting for John to ask! 😂😂😂

@thinkforyourself9334

11 ай бұрын

😂😂😂😂

Great Job Dr. Delony. At times like this your training and wisdom shines.

@miketheyunggod2534

11 ай бұрын

Brown noser.

@joelkaben

11 ай бұрын

Lol

So what's their income? What are they spending their money on?

@ellie448

11 ай бұрын

This

@sblijheid

11 ай бұрын

On BS.

@rayj.9568

16 күн бұрын

I was waiting on Jade and John to ask about their income. What did they do with the money that was going toward the $60k debt which they paid off?

Jade: You can pay the 4k off this month. Caller: silent. Why did no one ask how much cash the caller had on hand?

@rltreasure

2 ай бұрын

I was wondering the same thing. The clip may have been edited due to break . . . .

when it comes to people who are terrible with finances they blame everyone except themselves

No one: John: aRe YoU sAfE?!?!

Dave said we don’t need a credit score and the bank laughed at me when I said that and said go see Dave for the loan then. Lol

@BridgeStamford

11 ай бұрын

Dave says not to take loans your absolute tool!!!!!!!!!!!!

@amireallythatgrumpy6508

11 ай бұрын

Credit scores are one of the reasons the rest of the world laughs at the USA. Only backwards countries like the USA have them, civilised countries don't.

@alinatamashevich3354

11 ай бұрын

The sell ...surprise...... DEBT! Just like a car dealer telling you you need a new car. A credit score is only for those who want to stay in debt.

Delpney asks the questions he does cause this girl is so hard on herself and talks down to herself saying she’s “used to people being hard on her” and all that. She puts herself down the whole call and talks about how her husband wasn’t on board with Ramsey. Those questions he asks are 100% legitimate and necessary. She’s showing all the signs of “hiding” a deeper problem, even if she isn’t.

@dangehn665

11 ай бұрын

GREAT COMMENT. You're right.

@flashthecorgi2053

11 ай бұрын

100% I’m certified in abuse and neglect with DCF and she did have some behavior mannerisms as well as talking extremely fast and negative self talk that raised a reg flag.

@dangehn665

11 ай бұрын

@@flashthecorgi2053 Good insight.

@JpegJakeup

11 ай бұрын

I can see this. However, Do you think it’s possible she’s just playing the victim card to avoid taking full responsibility?

Very helpful analogy of guilt vs shame with the cinderblock and backpack!

A lot of difference between paying off a credit card and blowing them off. It kinda boils down to doing what you SAY you'll do.

The KISS Army lovers that Gene Simmons hair, lol

Dr. John: Lemme ask you a question... Me: If he says "Are you safe?" Imma lose my 💩. Dr. John: Are you safe? Me: GAAAAAAAAHHHHH!!!!!!

Great insights here.

It is a shame that credit card companies have to sue to get the money from dead-beat borrowers.......if the situation was reversed and the bank owed people money, the people wouldn't want to have to sue to get it.......pay your bills, period.

@katemiller7874

11 ай бұрын

Banks are the biggest criminals don’t kid yourself. They steal money on a daily basis but yes you should pay your bills

@sendit3251

11 ай бұрын

Keep the comments to yourself Numb nuts

“Are you safe? 🤡”

@cutehumor

11 ай бұрын

dr balony 😂

Oh my goodness I love your advice that you gave her. No more Dave Ramsey in your narrative. Love!

Dave Ramseys methods don’t have to be the end all be all of your financial decisions. BUT it can help you get a grasp on your overwhelming consumer debt, take care of it, then either continue to follow the steps, or LEARN how you can leverage other types of debt to make more money. But you gotta start with understanding what you’re doing wrong to begin with. Its the bad relationship we Americans have with consumer debt that causes a lot of our financial problems, whether cuz we weren’t taught something better or just choose to ignore it. Either way, there is a way forward, you just gotta be willing to roll with the punches and get back up every time you fall down.

@dangehn665

11 ай бұрын

GREAT comment.

@alinatamashevich3354

11 ай бұрын

And pay your debts

Why do some people always blame other's. Just own your part and grow from it..

@JpegJakeup

11 ай бұрын

Because this culture supports being playing the victim card. Even if they got themselves into their own mess.

lmao at John repeatedly calling Ramsay "an old Nashville dude" and the method "a scheme" haha

Requires sticking to the budget along with self control it’s not easy but it’s the only way. Good luck hope you manage to achieve your goals ❤️

Hey Jade, thanks for rocking the natural hair. Do you have tips to take care of natural hair on a budget?

Your past doesn't define you onless you allow it to🤫

Financial hardships will not be a giggling situation in the future. These relational issues need to be addressed if they want a stable future together.

@isay207

10 ай бұрын

Dont marry a child

How much money do they get a month? Over what period of time did they pay $60,000?

Can you imagine being his wife take a deep breath pull your elbows down 😂 caller sounds so confused jade stop him

@izzytheman20

11 ай бұрын

I was wtf is this guy talking about 😂

Was waiting for it and sure enough Dr. John randomly pulls out the do you feel safe lol

@alinatamashevich3354

11 ай бұрын

Blink twice

It might sound dumb this interview but this situation of pin someone else opinion instead of being direct to what we feel and think is more common that you might think. I love the way they addressed it

@adoe2305

3 ай бұрын

People's repressed trauma has their ego in a fit over this powerful energy.

Why would you pay money for a lawyer and not just pay the credit card down?!?! What since does that make?! 🤦‍♀️🤦‍♀️🤦‍♀️ You aren’t even going to win credit card company’s have unlimited lawyers 🤦‍♀️

@missdemeanor3524

11 ай бұрын

You're always better off settling cc debt than paying it down, imo. My husband and I got out of debt by settling for 10% of what we owed. No lawyers necessary.

@FirstnameLastname-et3fy

11 ай бұрын

Makes about as much sense as saying "since" instead of "sense" lmaoo

@angel-ij4xv

11 ай бұрын

just stay away from credit cards they are nothing but a trap

@tristan2332

11 ай бұрын

Cause a suit was served...they don't know how to answer that. If they paid this off years ago this be behind them already.

@sblijheid

11 ай бұрын

@missdemeanor3524 These amounts could be the settled down versions. Given how reckless they are, this could be the issue.

That's the kind of support you need. He taught her how to breathe because she was freaking out. But the singing cracks me up 😂

Thanks!

Have to blame the husband? In a marriage, you blame both. I don't follow him either. That does not mean I don't pay my bills.

And we see where the Dave Ramsey dismissal crew end up chasing those credit cards and credit scores 😂

Witness what the masses are doing and do the exact opposite. I have no idea where this is from but I heard it somewhere and love my by it.

I love this show. Love Jade and Dr.John

@ryantcollier

11 ай бұрын

The best pairing of the neo Ramsey personalities.

They really babied this woman, lol. And John... "are you safe"? cringe. 😂

Drink!!! John said I can’t breathe

"Dr" John: "Damn it, as always, the other host answered everything... I need to say something to keep my job... Wait, I know what to ask! ARE YOU SAFE?!"

“Are you safe” 😂😂

This energy was powerful.

John thinks everyone is unsafe..

@alinatamashevich3354

11 ай бұрын

Blink twice

I was waiting for the "are you safe" part from Baloney. And he didn't disappoint.

Dave's system works. It's very simple to follow.

John: “I’m gonna ask you something real quick, and I might be crazy. How’s your relationship with your dad?”

Scary is when paying nothing on credit card debt, opening other credit cards, using mortgage portion of budget for trips, and ignoring 29% plus penalty for late payments, then thinking somehow an end of year tax refund will help but it's aleady spent, while eating out instead of cooking, and neglecting to pay insurance, or delaying roof android medical coverage. That's a not safe, for sure.

When the world needed him most, Dave vanished lol.

When I was young in my 20's. I was spending money like crazy. I would let my friends borrow money, but I would never get paid back. I learned by my mistakes and now I am in my 60's and I saved every penny starting in my 30's and up. Now I have rental properties and I am in the stock market. Sometimes I think OMG. I am just amazed on what I have done and what I have accomplished. You make mistakes and learn from it that is what I was always told by my parents. They also told me have faith in yourself and God. Amen!

She seems so honest, wish her the best.

John always goes to the "are you safe". Ask some deeper questions and then that becomes obvious.

Our marriage got off to a blessed start because we had the information and motivation to work our way out of debt...we are incredibly fortunate that we were able to attend a financial peace university class. This opportunity was huge for us. If you don't take responsibility for your OWN financial decisions, you do yourself a disservice.

Why do the ppl on this channel hate deloney so much but on his channel ppl love him lol

Lol “Are you safe”? Bro not a single thing she said would lead you to ask that

They have the means to catch up but it as the expense of their current lifestyle. She told them that friends ask them to go places and do things with them, and I doubt it is just to go to the movies. More like weekend camping trips where no tents are involved, Alaskan cruises, etc.

I don’t like the philosophy of “just settle the debt for pennieson the dollar.” You bought it, you took the trip, you ran it up on eating out and buying crap….you owe it. Pay it.

@jackfox5738

4 ай бұрын

So bankrupcy is somethi g that should be outlawed?

@annarichter6196

4 ай бұрын

Medical bills and job layoffs happen, and people get in trouble. That’s understandable. Debt for trips and clothes and furniture and dining out? If I was in charge, which I’m not, they wouldn’t be eligible for bankruptcy, no. @@jackfox5738

@adoe2305

3 ай бұрын

If the credit card company accepts it, what's the issue? I wouldn't worry so much about other people's business. Now the government "forgiving" debts, I hear ya.

What do they do for a career? How much do they make in a year? Do they each make 13.75 an hour? Or 30.00 an hour? Why weren't those questions asked? If they make 20-30 an hour each, they should have no problem knocking out the debt. Of course they need to cut down on the spending. Was curious to know what they make in a year salary wise.

@KatieBellino

11 ай бұрын

I was wondering why they never asked for household income, at least not on the air.

@bobvila2444

11 ай бұрын

Because these two are clowns and one specialized in breaking up marriages....Are you safe, please John lol. This is exactly why the ratings are falling faster than the value of the dollar

@rayj.9568

16 күн бұрын

Yeah, Jade and John were sleeping during this call.

Dont use a credit card if your not sticking with a budget people.

The lawyer will cost you two grand. They paper each other, then dismiss in court. Then they split the 2k. Its in the lawyers playbook. Another one is class action suits. Only one that gets paid it the head of the class and of course the attorneys.

Instead of trying to settle the debt for pennies or dimes on the dollar, treat it like a student loan. You agreed to pay it, so pay it.

@KatieBellino

11 ай бұрын

Remember credit cards have over 20% interest rates in most cases, so if they've been delinquent for a while, the company may settle for what they actually spent versus making money beyond that. While I agree in paying your debts, people being advised this on Dave Ramsey are told this because they are in a massive financial hole.

@alinatamashevich3354

11 ай бұрын

@@b-rad-3849 I am all in on that, not holding my breath tho.....

He uses the same script with every caller . “ Are u safe? Take deep breath “

It is so annoying when John refers to them in the third person "my friend so and so" and then it's all dramatic like telling them they're not stupid. Then two seconds later is like "I'm just some dumb buffoon myself". If I went to counseling and that's how my psychologist talked with me I would walk out the door. And my good lord, the are you safe question. Even the caller was like "WTF does that mean?".

I need more Dave and less Deloney.

@cutehumor

11 ай бұрын

dr balony 😂

There are other good gurus that have good plans that work too. My husband doesn’t like DR either. Mostly because he won’t stop saying, “Better than I deserve!!!!!”

I agree with the title of this video, bit I've heard Ramsey give bad advice before such as going into mlms. Thats terrible financial advice.