How do people this clueless make this much money??

@dustyrhodes2717

4 ай бұрын

Onlyfans

@jasonbornne7767

4 ай бұрын

“It’s not what you know, it’s who you know.”

@Trewq79

4 ай бұрын

Dentist here. I'll never forget when COVID hit, two of my colleagues were panicking. They said they couldn't afford 2 months rent. They made more than $250,000/year. Without the education, it's nuts how fast people spend all the money they get.

@reese85

4 ай бұрын

You sound jealous

@siva47931

4 ай бұрын

Well they all can't be like your precious Chelsea

The longer the call went the scarier it got.

@actuallyterry

4 ай бұрын

I was waiting for her to say the Income she gave is a combined amount, not hers alone. 😂

@ericdeer5887

4 ай бұрын

@@actuallyterryand that he is on the deed but not the mortgage

@ThatCho

4 ай бұрын

OMG THIS IS WHAT I WAS THINKING.

A 2019 car that you still owe $54k on. 🙄😳👎

@fuse911

4 ай бұрын

I was literally about to comment “it must be a german car” and i heard her say is a x6. Lmao. In 2027 that car would be worth 20k if its good condition and low mileage.

@deltafox1

4 ай бұрын

Probably an Audi or a Mercedes

@chezlou812

4 ай бұрын

​@deltafox1 she said a BMW

She’s a reseller that doesn’t know how to sell her own car. How funny

@lionheart93

4 ай бұрын

lol

@fabfacesbyebony8895

4 ай бұрын

Right

@drewdelaney4166

4 ай бұрын

Reseller my ass

@qaz3000

4 ай бұрын

Its not that she doesnt know, its that no one in his right mind would pay 54k for a 5 year old bmw 😂

I bet she doesn’t make $250,000k! Thats probably her total sales. Someone making that much money could pay that off that debt in a month

@HarveyFoFi

4 ай бұрын

I follow many experience resellers online, that seems like a really high yearly income estimate. I don't even think that is her real total sales.

@darex0827

3 ай бұрын

She said based on last years taxes. Sounds like income to me.

People like this are so shocked and devastated when life takes a left turn and then body slams you. She's setting herself up for a huge reality check.

Man, I wish Dave was hosting... 😂😂😂

This caller makes me angry. She's being disingenuous.She tried to get past the call screeners by inflating her debt - included her mortgage. basically her consumer debt is only a $50,000 car - which she can afford on her income. She makes a mockery of all the listeners who are really struggling with finances

they should've clarified if the $250k income was both of them, and if both their names were on the house. also should've asked how long they've been together, and how much debt he has.

@Mr.Boring_Man

4 ай бұрын

Exactly!

I don’t think they asked her enough questions.

This poor girl is about to get used left and right

@user-tl8zt9yz6o

4 ай бұрын

You're right. The wedding date always seems to 'be next year'.

@mattbenz99

4 ай бұрын

She needs to demand to go to the courthouse and sign the papers before agreeing to pay for this stuff. They can always have the wedding later, but they need that legal protection today. It costs next to nothing to file the actual marriage paper work and can be done in a couple hours. The party isn't the important part, that is the celebration for the family.

Amen. They missed uncle Dave’s recommendation for pre marital counselling. Lots of red flags here.

@cutenobi

4 ай бұрын

She should call back to get Dave’s opinion/rant.

"I asked him and he didn't answer". Girl LEAVE!

This is very scary. Great advice keep money separated. A friend of mine worked lots of overtime to put her husband through school. He got his degree and a few years laterleft

@iddddaduncan

4 ай бұрын

Sounds like your friend allowed herself to be used, If they were married would things have been different, if you say yes, How?

@stephengamber7000

4 ай бұрын

"Thank You Honey for all your hard work. BYE BYE!!"

@JC-vh2lh

4 ай бұрын

@@iddddaduncan - Please re-read, it’s stated they were married😅

@asnmdnss

4 ай бұрын

​@@iddddaduncan you can still leave after getting your degree in a marriage lol

@JaydoggX1

4 ай бұрын

If married you are supposed to combine finances. If you are married and seperate finances, Ramsey will not approve

Selling her car to pay off his debt 😭😭😭😭 baby what is you doing !!!

@catherinebiermann7940

4 ай бұрын

He can’t afford his car payment without her contributing.

@RK-tf8pq

4 ай бұрын

⁠​⁠​⁠@@catherinebiermann7940yes, but then she should ask him to sell his car to pay off his debt.

@_CPerk

4 ай бұрын

Right…get rid of both cars and you downgrade

@RK-tf8pq

4 ай бұрын

I also wonder if she is the only one paying mortgage on the house they jointly own.

@lionheart93

4 ай бұрын

love lol

I didnt like when the girl asked he boyfriend how much he owed on his car and he didnt tell her... so many red flags.

@abiyah3176

4 ай бұрын

Right 😡

@M-Is-For-Margaret

4 ай бұрын

If you love me, you don't ask me such personal questions.😡 Oh, hey, how much do you make from reselling? Hey, wow, why don't we pay off my debt with your money?🥰😅

@thirdcoast-nx7jx

4 ай бұрын

Sooooooooo many red flags

@Nashville4N6

2 ай бұрын

I took it to mean that she texted him while on this call and he hadn’t responded yet

I wish they had dug into her income to make sure she was talking about profit and not revenue (apparently many business owners don't know the difference 😳). Also to figure out how stable that income is $250k profit for a reseller sounds like top 0.01%, it is possible but lot likely.

@DDDD-of3hv

4 ай бұрын

i was thinking the same thing..... that was a large sum and i'd think if you did make that much, why do you have financial issues? can't pay for a car? only payments are house? making 250+ hmmmmmmmm property taxes must be in the 10s of thousands then??????

@alberttang6955

4 ай бұрын

I also thought 250k was unlikely. She is probably receiving trust fund payments annually. The reseller gig is a hobby that she uses to fill her time.

@robloxvids2233

4 ай бұрын

Not if you steal everything. Which certain races of people are apparently allowed to do now as long as Bidementia is in office.

@nugsin4

4 ай бұрын

Maybe 250k is her revenue

@nailatiylluf

4 ай бұрын

100%. I wish the non Dave hosts had even a little bit of a financial background to understand this. I know a lot of self employed 20 somethings who think their sales are how much they make. $250k in Buffalo and needs to share a car to make ends meet?

She said she’s making 250k, so let’s assume 150k net. I’d absolutely sell the car and get out of that. The real issue is: where does the rest of her money go? 12.5k a month and we’re struggling? Things don’t add up here

@tstanley01

4 ай бұрын

Where did you hear that she was struggling?

@peterwilder752

4 ай бұрын

She's between selling a car at a loss or just sticking with monthly payments. She generates enough cash (assuming the earnings number is true) for that to not even be an issue. Based on the income, neither of these should even be necessary @@tstanley01

@megalodon1726

4 ай бұрын

The likely figures are: $250K gross sales --> $120K net profit --> $90K after tax. That's why she's struggling to deal with a $500K mortgage and car loan over $50K.

S&P mutual fund (don't get married). 2019 BMW X5 worth $33K. Did I say don't get married? Don't marry a 'dead beat.' Both sides should come into the marriage squeaky clean.

@anibaldamiao

4 ай бұрын

Or equal in amount of debt

If she makes 250k, why doesn't she have the car paid for already???

@karenk2409

4 ай бұрын

Why would she even have car payments? I make one fifth of what she makes and I paid cash for mine.

@M-Is-For-Margaret

4 ай бұрын

I wondered the same thing. 🤔Also, She could pay a huge chunk of the mortgage off. 🤔 I wonder how long she's been reselling and if she's on track to keep making $250k for awhile.

@megalodon1726

4 ай бұрын

Because $250K is probably her gross sales, not net profit. If her net profit is $120K, that drops to maybe $90K after tax.

@ZZ-ed6wp

3 ай бұрын

Because she wanted it NOW

I don't know why George is surprised that the car is worth 15k less then when she bought it for. It's a 5 year old car. They are selling for 30-40k. 37k is a good deal.

@raymond_sycamore

4 ай бұрын

LMAO seriously. WHO wants a 5 year old Beemer?

@DDDD-of3hv

4 ай бұрын

its a used depreciating asset..... perhaps she's so hot that since her butt was in it, makes it worth more? perhaps scratch and sniff special?

@johndone8045

4 ай бұрын

She got scammed when buying it, not selling it, 37k for a standard 2019x5 is decent

@ga6257

4 ай бұрын

Yeah she paid minimum on it and it shouldn't be a surprise what it is worth

@Thurgor_Supreme

4 ай бұрын

Carmax is pretty much an automatic low-ball offer though. It might be worth it for the convenience factor, but still...

This is such a bad idea. Just pay the car off. Don’t sell it for a loss man. This is insanity.

@jordanmendoza101110

4 ай бұрын

It’s even worse that’s it’s a BMW

@jayfaz3335

4 ай бұрын

So that it can just keep depreciating? Or she could sell it and buy a car that depreciates at a much slower rate. You'll be up more money this way

@unfairsanic5089

4 ай бұрын

Bad idea, its not an investment. Id keep the car if its not a bmw and under 40k

@thewafflehouser

4 ай бұрын

It will be under 40K when she pays off that 15K they told here to spend anyway. @@unfairsanic5089

@RK-tf8pq

4 ай бұрын

I think that the only reason she wanted to sell her car is that she can help him pay off his car. The guy convinced her to sell her car and then help him pay off his car.

Buying a home with someone you’re not married to 🙄 I’ve seen people I worked with do this and omg it was sooo messy when they broke up! I hope she listened to what they told her.

@kateg9437

3 ай бұрын

I've also seen people buy houses with those theybare married to, and it's even more messy when they break up!

What a chaotic situation. Marriage/divorce will even make this worse. The divorce lawyers will have a blast with this couple and their crippling debts

One caller after another about playing house together but wait till things go south and someone always loses out and sometimes it's alot of money and emotional strain at such a young age.

Love your honest advice!

Zero.chance she makes that much. Thats gross. She prolly takes home 60k

@reese85

4 ай бұрын

@user-qz4ji7dw3b you guys sound jealous

@TheSmokedance

4 ай бұрын

​@reese85 you're saying that a lot, but there's nothing about her to he jealous of honestly

@reese85

4 ай бұрын

@@TheSmokedance I’m saying it a lot cuz so many comments are coming off as so

@Dan16673

4 ай бұрын

@user-qz4ji7dw3b don't know of that but she sounds confused

@DJRiyzen

4 ай бұрын

​@@reese85 so you're basically a bot

This still holds true! “The paid off home mortgage has taken the place of the BMW as the status symbol of choice!”- Dave Ramsey❤

I hope she takes the advice to heart

I didn't realize that BMWs were considered luxury cars. I see so many on the streets.

Girl is doing a pile of dumb. Paying off his debt, having a house when they aren't married, getting rid of a car is great until he leaves and she can't go anywhere. The car market is awful right now and she'll get low balled to the point that she'd almost be better off paying off the car and keeping it

@siva47931

4 ай бұрын

Your comment about him taking the car and her not being able to go anywhere is DUMB. Ever heard of a taxi/Uber/public transit/walking?

@douglasrau5094

4 ай бұрын

She's not intellectually dumb. She's just .....I want to say this without being condescending...young and inexperienced in a lot of these adult matters. I'm 40 now. I would love, LOVE to talk to the 18 year old version of myself and say, "Hey, this is what you need to do with money and this is what you need to do with college. I know you're excited and this is all new to you and it is going to be a lot of fun and an amazing experience but speaking as the older you, this is the path you should go down. You thank yourself for it when you're me."

@codys5727

4 ай бұрын

@@douglasrau5094 yeah i was 24 once too and didn't make the same dumb mistakes. Congrats, you were both dumb at that age

@barnabusdoyle4930

4 ай бұрын

She should not sell her car at all. She should keep all of her finances separate from him even after getting married with him and not just hand him all the money he needs to pay off his debt. She may be in a situation where he is taking her for a ride. Anything she does pay off for him, needs a repayment contract if they divorce in 5 years. Marriage is not a protection like this show pretends it is.

@codys5727

4 ай бұрын

@@barnabusdoyle4930 yes, this is a better plan by miles

I was a reseller part time for a couple of years. Many resellers say "I made $100k last year" and it means total sales without discounting COGS and other expenses. I have a feeling that applies to this call as well. The tell is that she said "I looked at my taxes and it was $250k." Girl, if your Amazon 1099 says you received that amount, that is not your actual net income.

Wish Rachel would have brought up a 2nd solution: go to Justice of Peace this week to get legally married. Formal wedding could still be done next year. If you're good enough to be co-borrower on a mortgage, you're good enough to be married to today.

@KeatingChick

4 ай бұрын

My thoughts exactly!

@jenniferblack5525

3 ай бұрын

Except we don’t have enough info. Is he a leech just using her? If so, then they should not. We are only hearing her side.

Completely understand the fact that I don't know her boyfriend but these are signs. I would get out of the relationship and go for someone whose financial habits are a lot like mine.

Sounds like the young me. I hope she can find boundaries with herself. Don’t learn it the hard way like me.

This is really helpful advice for that girl , I hope she takes it , tks

I like how everyone says they are engaged 🤣

“Looks up whats needed to be reseller”

Girl absolutely do not get rid of a car to pay for your finances car. Nope. Nope. Nope.

Just because you’re making a lot of money doesn’t make you bright… I hate how that’s how they assume intelligence

@anibaldamiao

4 ай бұрын

It’s a better indicator than being broke

@HOLDXSTEEL

4 ай бұрын

@@anibaldamiao being a jerk like yourself is another obvious indicator I guess 😂

@HOLDXSTEEL

4 ай бұрын

@@anibaldamiao says you!

Her car isn’t out of line with her income. Her boyfriend though seems not to have his house in order.

I would keep it. She can easily afford it.

@jimroscovius

4 ай бұрын

Agreed. And they need to keep things separate until they are married.

@firefly9838

4 ай бұрын

But she doesn't want to keep it are you deaf?

@jimmymcgill6778

4 ай бұрын

@@firefly9838 Can't you read. I said I would. That means if it was ME.

@johndone8045

4 ай бұрын

I wont keep that piece of crap, well 37 for that selling it to a dealer is reasonable, she got scammed when buying way over priced

@borisquince6302

4 ай бұрын

She can’t afford it 😂😂😂😂. Just because you can pay the monthly payment doesn’t mean you can afford it. She is 24 for God’s sake, this is time to build your life, not buy a 54,000 car.

She definitely shouldn't help pay his debt. Talk about double stupid tax I used my grad student loans (first stupid tax) to pay off debt for a man (second stupid tax) that left me less than a year later. 🤦🏼‍♀️

Strong and independent OF self-employed

Of course it is a BMW

Damn at 24 making 250 a year, as a reseller.... is that pharmaceutical reselling? 😂😂😂

@someoneelse6934

4 ай бұрын

Cocaine

@sarahtheteacher

4 ай бұрын

I’m thinking OF or something along those lines…. She skimmed over her profession real quick

She isn’t responsible at all. Why didn’t you ask her where her money is going each month? I didn’t hear anyone ask her if she has a budget. She made a lot of money for one year, but that may not be sustainable. You should have asked her how much money she is paying towards their mortgage each month. She could have paid her car note off in one year. She’s very impulsive with money and has no clue how to manage it. She needs FPU asap.

Why do people feel their depreciating asset (car) after years of a paying a loan that they deserve more money for the car? and still paying on a 2019 vehicle? that is just sad, but then again making payments on any vehicle is sad, just shows that you can't afford it. can't pay for it, can't afford, life is not that difficult

5:04 maybe Rachel and George missed it but they own the home together so normally the recommendation is get married asap or come up with an arrangement for them to separate the ownership of the home to one or the other depending on who is dominant on the equity.

@DoctorSmartyPants

4 ай бұрын

You can't separate ownership on the home.

@marcmorris1758

4 ай бұрын

@@DoctorSmartyPants you file a Quitclaim Deed to the other and compensate the one quitting claim. If they’re worried about the party ceasing claim causing contention afterwards, then a Warranty Deed would then be better. That’s how you’d separate the ownership. It’s also useful for transferring property to children before dying.

@marcmorris1758

4 ай бұрын

@@DoctorSmartyPants the boyfriend would file a quitclaim deed (or a warranty deed if you’re worried about contention afterwards) and the girlfriend would compensate him for quitting claim. That’s how you separate ownership.

How is it even possible to owe 54k on a 5 year old X5. She buy it in 2021 with a 50% dealer markup?

She is young to be in heavy debt like this

@kevinkidneyy

4 ай бұрын

its a house lol

@johndone8045

4 ай бұрын

Like u have a house at 24 and making 250k, jealous more

@anthonykence9954

4 ай бұрын

@@johndone8045 I would not want her debt mortgage or not

5 year old BMW for more than 54k? You got scammed.

A reseller means nothing of value to society. Buying and reselling junk nobody needs to begin with. Money from things like that never last.

Great advice! If you are not legally married, you do not put your money in one pot.

Hes got a big bubba truck and owes $100k and needs her to help pay his loan

Until you say "I do" .. DONT

Wow. Her car is the least of her worries.

Yikes, call me crazy but I'm seein' an' smellin' Trouble here with a capital T!

Feels like I’m the only American with a high income and a cheap 10k car.. Americans love having expensive cars!

@0_1_2

4 ай бұрын

Here you go buddy - 🍪

Doesn't make sense, there were more questions at the end of the call. $250k, really? Why the car loan then?

I’ve only lived in places with inexpensive public transport so I’ve never bought a car. Can someone explain to me how a car can be worth $37k, but you owe $55K on it? How can you owe more than it is worth? I’ve never done this so it doesn’t make any sense to me.

Sells Goodwill crap and she thinks it can afford a 500k mortgage 😂

@SRN625

4 ай бұрын

She's making $250k a year lol keep laughing.

@freedomrings1420

4 ай бұрын

​@@SRN625 That's funny if you believe her nonsense. 😂

@k20z3keith7

4 ай бұрын

I bet that "projected". Also that's not sustainable 😂 so yeah I'm laughing. 250k for one year means nothing when you're financially illiterate. I make less than half of that and my net worth is like I make 250k a year. So yeah still laughing 😂😂😂

@cloroxsenpai2277

4 ай бұрын

I used to resell she might be talking gross. If she's doing well I expect 30-40% net after taxes fees and business expenses

@reese85

4 ай бұрын

@@freedomrings1420depending on what she’s reselling, it’s very believable

You marry their family, their debt and their credit score. Choose wisely who you spend your life with.

If she has shared use of the boyfriend's vehicle, making half the payment is like paying monthly to rent the vehicle. If they split, he assumes the entire loan payment and she goes on with her life. No problem.

@stevenporter863

4 ай бұрын

No problem? Problem is a car has a deed and both of them are not the legal owner. She would give up her car and use the proceeds to pay for his car. It is like you selling your car, using the proceeds to pay half the car loan for your neighbor because you can use it once a week to get groceries. Sharing a payment only works if a third party owns the underlying item (like sharing rent payments on an apartment) otherwise it is a transfer of equity.

$490,000 house in Buffalo, New York it must be the size of the White House😂😂😂

Don't marry in debt. Stop being asinine. You only pay off your own debt.

She’s a drug dealer in NYC that’s why she said “reseller” 😂

I follow many experience resellers online, that seems like a really high yearly income estimate.

She says this is my only debt 😂 no dear, your house is probably way more than you need right now

Lol these reseller that be online flexing they sold something for crazy money be the main ones in debt lol 😂😂😂

Made more sense when she said they both bought the home together. I suspect the $250K is revenue, not profit. Retail margins are super thin, if you're doing well. I would have liked to know his job/income. If he has a W2 with a good compensation package, which means she'll get to take advantage of the insurance benefits, it's a pretty fair trade-off. I definitely agree. Marry before you make this big financial commitments.

@anibaldamiao

4 ай бұрын

She said salary

What exactly is a "reseller" ? I'm not familiar with that career

Luxury cars right now are in trouble. Mainly because of un-affordability. Sell it private party bank cashier's check only, check Kelley Blue book and Edmunds. Be reasonable on the price. Unless she just wants to learn a $17k lesson! My '22 Honda, bought new is now only worth $12k LESS, but I paid cash, and it's a 15-20 year keep. And DON'T pay his debts.. he'll leave you debt free because you paid it, and he'll default on mortgage leaving it all to her! Bad bad bad!

Surprised they didn’t say anything about downsizing the house.

How much is the wedding going to cost?????

I was born in Buffalo,NY. Lived in the area all my life. Worked in North Buffalo for 11 years. It seems she wants to help her finance with her big income. Bad move, nothing is set in stone until the marriage is final. Buffalo before 2008 was the second poorest city in the usa. She doesn't know how good she has it. I see people at my job every day without a pot to piss in. Also no way she's making $250k. Buffalo has the 5th cheapest cost of living in America. If she sold in the suburb house areas. She would sell a big house. Definitely not in Buffalo. Most of those houses are old and run down.

The real love is blind. Taking a 14K hit now having no car for your love! So cute!!

240 thousand dollar house paid off, we have a Raptor and top trim level Palisade which was 54,000 and the raptor was 62,800. They are almost paid off. We make like 150,000. People are just dumb with money.

Sooo since she combined all the debt and said it was hers, did she do the same with the income?🤔🤔🤔

She just called to flex

I live in buffalo lol 500k gets you a big ass house that’s totally unnecessary

This call is one big humble brag

This was a Dave Question 100%!!! 🤦🏽‍♀️

That was insane. That dude feelin pretty good about his gf paying for his s*** 🤣 250k in Buffalo lol

If they don't need two cars, why do they keep encouraging her to get another car?

@firefly9838

4 ай бұрын

Because they are hypocrites

@raymond_sycamore

4 ай бұрын

because they don't live in reality.

@jimroscovius

4 ай бұрын

Because they are to keep things separate. She's thinking of sharing a car with a roommate, which is not a good idea. They each need their own car until they are married. It sounded like she didn't want this car, so get rid of it and get a different one. Or keep the one she has. They said she could do that as well. This girl just wants to share everything with her roommate, which is stupid.

@DBS472

4 ай бұрын

Generally, paying your roommates car loan isn’t a wise idea.

@robertacanderson

4 ай бұрын

It’s simple they are NOT married which means she is setting herself up for failure. She needs to have her OWN car and keep their finances separate until marriage!

There are 2 ways to solve this... A- go down to the courthouse and get married. You dont have to tell anyone. Proceed to pay everything off. B- seperate EVERYTHING until you get married. Dont pay each others debt. And girl keep your car you will need it.

I hope she makes a million.

😮. She knows if he's the one or not. That money means nothing in a true relationship. You don't give expecting something in return. (My girlfriend gave me $500 towards buying my first car. She's now my wife of 28yrs.

@anibaldamiao

4 ай бұрын

That’s statistically insignificant

@samlamendola

4 ай бұрын

giving ur bf/gf $500 is wayyyyy different than paying off their bad debt monthly payments and paying half their car note… full blown enabling their childness.

She supposedly earns 250k, yet doesn’t know what consumer debt is, or real estate. Something doesn’t add up.

What the fuck is a reseller.

@AimeePoppinBabies

4 ай бұрын

Literally someone who gets stuff and resells it online for a profit. I've made some quick cash selling old items I had on marketplace but these people do it "professionally" the problem is you can end up with a lot of crap you can't sell.

@jimmymcgill6778

4 ай бұрын

Like drop shipping, or ebay, poshmark.

@droid2D2C3P0

4 ай бұрын

If I had to take a wild guess, I'd say someone who.. resells things... 🤯🤯

@firefly9838

4 ай бұрын

Yeah I don't believe her. Nobody making 250k a year by buying and selling crap on ebay... if it was just that simple everyone would do it

@JustinCase780

4 ай бұрын

Please don't use vulgarity. This is a religious channel and don't do anything with anyone until married. Maybe kissing but that is it.

Sounds like he is with her for money

Dude will stick around for the free housing and when she finishes paying his debt he’s gone

She's going to pay his debt. No doubt.

Why is she wanting to sell her car and the 2 of them both use one vehicle? That’s insane. Pay down her own car and let him work on his debts.

here we go again with the DA caller

They're likely reselling together, making 250 combined.

She said "her debt is $495k for her house". Do you think she has the house in only her name? That would be financially safe. The additional questions told us we still lacked information.

I bet her parents are screaming. She's doing great in life and is setting herself up for failure. That's why she called the show because she doesn't want her parents to find out she is paying his debt.

The problem is they always say “find a private buyer”. Sorry I’m not handing that kind of money over and hope you pay off your car and hope I get my tittle. Good luck.

Dave’s Turkey on the payroll.