As soon as I heard his voice I knew there was a truck payment

@Molly-mp2xi

5 ай бұрын

😭

@angeluceta5688

5 ай бұрын

Lol fr same

@janelleg597

5 ай бұрын

😂😂😂

@beaniemac

5 ай бұрын

😂😂

@evanhergert4259

5 ай бұрын

Bro

Makes $130k and can't afford a $315k mortgage, sounds like a lot more going on here.

@cutlerylover

5 ай бұрын

yeah most people are more like makes $52k cant afford payments on their 315k mortgage...

@evanhergert4259

5 ай бұрын

With the numbers he gave his payment would be about 35% of his take home. That’s really pushing it

@J-wu8sc

5 ай бұрын

If you put nothing down which they probably did they’re looking at around a $2800 payment which they could technically afford but it’s a stretch when you have a bunch of car payments and other debts.

@kbanghart

5 ай бұрын

​@@J-wu8sc yeah that's how much my mortgage is.. My wife and I have been lucky bc we get $ for adopting 2 kids

@BrianW211

5 ай бұрын

@@evanhergert4259 P&I on $315K at 6.25% for 30 years is only $1940 (about 25% of his take-home), but when you include taxes, insurance, and PMI, I think you're right.

I swear "sell the truck" is part of half the calls from guys lmao

@kbanghart

5 ай бұрын

That tells you the demographic of most people calling in or listening or commenting lol

@Cookieboy70

4 ай бұрын

I'm still mystified why people have vehicles they can't afford. All I needed was to make sure I had extra headroom and that it was made by a reputable manufacturer. I bought a 2010 Honda Accord for $12K that had only 2K miles on it. It's sitting at 80K miles on it now and runs beautifully, and I plan to drive it another 14 years at minimum.

My biggest pet peeve with these callers lately: saying your house is “old” (2002 isn’t remotely an old house) so therefore it NEEDED work… but those works are just design updates. Your house may NEED a roof, or NEED a new furnace, or NEED a replaced stove, or NEED mold remediated. You do not NEED to have your worn and unstylish carpet or wrong-color cabinets replaced just because they don’t look like what’s trendy on HGTV. Those are wants, and you budget for them.

@lisalamphier1410

5 ай бұрын

My house is 72 years old and has the original kitchen counter top. For thirty years, I've been planning to replace it but recently I changed my mind when I opened a decor magazine and saw my "retro" counter in a brand new "mid century modern" kitchen. 😂😂

@alishavogel7926

5 ай бұрын

Yep. My mom's house is about 20 yrs old and she's had to replace all appliances except the fridge, the water heater, update one of the bathrooms (linoleum was rolling up, vanity was falling a part, mold on ceiling), and replacing the carpet after 10 years with hardwood. The only additions to the home that was a want was a fence for a dog.

@vesuviateresearches1504

5 ай бұрын

My house was 100 yr old house was fine?

@kayabe856

5 ай бұрын

@@lisalamphier1410😂😂

@kayabe856

5 ай бұрын

@@alishavogel792620 years is young for a house

Giving this man $100k is like giving a toddler a flamethrower.

@USMC6976

5 ай бұрын

The same for most 26 year olds. The good thing here is he can recover quickly if he choses.

@Lg8T3

5 ай бұрын

😂

@mathematician1234

5 ай бұрын

Funniest comment I have seen on a Ramsey video in five years.

"House was built in 2002...very outdated." If the house has indoor plumbing and electricity, then it is NOT "outdated". I think his wife might be high maintenance.

@kbanghart

5 ай бұрын

Nah, I know what he means, mine was built in 2007 and needs interior paint quite a bit. In the kitchen, cabinets are looking like crap. But the house has always had kids who make messes, so, I mean if you are super clean and don't make messes, then yeah there'll be a difference. Also we changed out the flooring and new paint for the exterior. Exterior paint was because our HOA kind of made us.

@craiggowsell8798

5 ай бұрын

Bloody hell 2002 wasn’t the Stone Age.

@jpg_sig10

5 ай бұрын

Or he is just weak-minded and stupid.

@craiggowsell8798

5 ай бұрын

I guess I’m one of those weirdos I love old homes and decor if it’s been maintained.

@econ0003

5 ай бұрын

I would argue that 2002 is relatively new for a house. The average home is probably older than 20 years.

Dave saw his young self flash before him and became irritated INSTANTLY! ❤

Caller is about to be a FATHER. He had BETTER do some serious maturing, and FAST!

Did anyone else laugh out loud to Dave’s reaction 😂?

@USMC6976

5 ай бұрын

Those of us that have done the same thing did.

@sarsattacks

5 ай бұрын

Him trying to hold in the reactions was what made me laugh

@happycamper246

5 ай бұрын

I've missed Dave reacting like this with out of control callers

@chaselesser3191

4 ай бұрын

Bro, I had to pause the video and take that statement in. 😅

No amount of money will save these folks from themselves!

2002 outdated? My house was built in 1920 lol😂

@cutlerylover

5 ай бұрын

lol he probably means interior design wasnt what his wife liked...a house in 2015 can be outdated too if theres wallpaper, I lived in a house build in the 80's for years with tile flooring in the living room and wood flooring in the kitchen? lol

@kbanghart

5 ай бұрын

​@@cutleryloverexactly. Mines 17 yrs old and definitely needs new interior paint. Just had the exterior painted. I have an HOA so they kind of made us repaint the exterior.. but it's fine bc It helps with resale, and honestly, you really do want to protect the exterior.

@dummgelauft

5 ай бұрын

IKR !!😂😂 2002, like wtf. It's only a couple of years older than he himself is..

@kbanghart

5 ай бұрын

@@dummgelauft what? We're talking about the age and the condition of the house.

@cutlerylover

5 ай бұрын

@@kbanghart 👍

I started listening to Dave at 19, I’m 27 now with no debt ( only my mortgage ) two cars paid in full. Stop financing cars that’ll keep you poor!!!

@ItsSacredG

5 ай бұрын

My buddy asked me why I’m still driving my old Corolla and that I can get a brand new one for ONLY like 500 a month I was like dude do you hear yourself?!😂

@XCVi_MAC

5 ай бұрын

@@ItsSacredG a 500 a month payment, with no savings 🥴 most people look rich, but are actually poor.

@fc-ik4ni

5 ай бұрын

Mortgage is debt

@XCVi_MAC

5 ай бұрын

@@fc-ik4ni if you’ll read you’d see that I said my mortgage is my only debt

@mikenelson8377

5 ай бұрын

$500 a month WITHOUT full-coverage insurance. So really, it costs more than $500 just to drive that car 🤦🏼‍♂️

When Dave dropped the pen when he said he used the money to buy another car 😂🤣

I love it when Dave tears into people! These people need some help…

Some people act like it's their holy duty to have debt.

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.

@Lourd-Bab

Ай бұрын

Hi. I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second child. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks

@caseycantrell-gh6fg

Ай бұрын

@@Lourd-Bab However, if you do not have access to a professional like JUDITH ANN PEACE, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments

@Lourd-Bab

Ай бұрын

@@caseycantrell-gh6fg Oh please I’d love that. Thanks!

@caseycantrell-gh6fg

Ай бұрын

@@Lourd-Bab Judith Ann peace is her name

@caseycantrell-gh6fg

Ай бұрын

Lookup with her name on the webpage.

Why would you need 3 cars

@lesgrossman9492

4 ай бұрын

I have 3….but I’m rich

I’m confused… why do you need three cars if it’s only 2 persons driving… Who is the third car for? 😂

@Aaa0483

5 ай бұрын

Private business lol😅

@LadyCaroline123

5 ай бұрын

The baby.

@woodside4life

3 ай бұрын

@@LadyCaroline123😂😂😂

Dave: "How can we help?" Caller: "In the beginning was the word..." Dave: "What is the question?" Caller: "What should I plan for capital gains on a house and how do I breath on these cars?"

@russylogic

5 ай бұрын

LMAO OMG IM IN TEARS!

@choicemeatrandy6572

5 ай бұрын

Bro was giving everyone else's ages as if relevant

@joeishere500

5 ай бұрын

Uuhhhh YUP !!👍👍

Stop trying to "have it all" immediately. Pay as you go with a solid budget and do not use credit to finance a dream lifestyle. There are a lot of people who feel a need to "renovate to current styles" which is often an unnecessary moving target of desire, with emphasis on form over function. If a refrigerator works, it doesn't matter what color it is on the outside! Luckily you profited on the house sale. Don't be tempted next to get all the expensive, trendy baby items. Just know that being content with less than you make is the goal. Often "not yet, let's save for that" is the best answer. Put more into your relationships rather than in materialistic appearances. Draw a hard line on defining needs versus wants! You will eventually make progress toward your goals, just learn to embrace delayed gratification and live debt free with less stress.

Was waiting for dave to call him honey 😂

@OopThereItIs77777

5 ай бұрын

That’s my favorite thing

@2:25 when he drops that pen😂😂😂😂

@robintyson591

5 ай бұрын

And 05:40 - I've caught up with you now - CLICK

When Dave throws his pen down. LOL

Just imagine being the "family friend" who sells you a house below market value and then you cashout and make $77 thousand dollars off the generosity of this family friend. Sorry but that's a scumbag move- taking their equity and blowing on wasteful spending for yourself and you wife. You should have cut them a check for at least half of the profits. Headline should have been "Scammed a family friend out of $77,000"

I swear, people's desire to own a "nice" car is one of the biggest problems they have, No one cares what kinda car you drive. I MEAN NO ONE! Car payments keep you poor, period. Just get a car that safely gets you from A to B for cash. Put all that "car payment" money in a mutual fund or EFT and you'll eventually retire a millionaire. I know it works, because I'm doing it now!

@seadragon1456

5 ай бұрын

People do care. The people that “have” to drive the nicest stuff think they are better than those driving older vehicles.That’s why they feel the need to spend a fortune to look good to other people. People need to stop caring about what other people think about them. It’s that simple.

@patriotdrone9566

5 ай бұрын

@@seadragon1456 The only people that care are the delusional ones that buy the vehicle.

@tristan2332

5 ай бұрын

Alot of it is tied to low self esteem...they aren't winning at life so they feel if I drive this car that's pretty new and I can't afford...atleast others will think I'm doing better than I really am.

@rally1461

4 ай бұрын

​@@patriotdrone9566 most people will absolutely not retire a millionaire.

@patriotdrone9566

4 ай бұрын

@@rally1461 That’s really sad and irresponsible. Saving and investing your way to at least a million is not difficult. Most people will need at least 3-4 million to retire comfortably

The body language of Dave and John says it all!! They are like ‘man, what are you doing!!’

I’m really shocked you guys spent this much time on this guy. So many people realize they’ve made terrible mistakes with money and really want to change. This person doesn’t seem that serious about changing.

@Chancemorgan44

5 ай бұрын

hes also 26 people are 40 making his mistakes, hopefully he learns.

@JohnnyJPatt

5 ай бұрын

@@Chancemorgan44 I’m 42 And I’ve been there. Sometimes people really got to get kicked around hard before they change. That being said. I hope it doesn’t take him that long. Wish I would have woken up at his age

@jimmymcgill6778

5 ай бұрын

It is not as bad as Dave in making it out to be.

@AndyMcBlane

5 ай бұрын

5 minutes?

I feel investors should focus on under-the-radar stocks, especially given the present rollercoaster nature of the stock market, because 35% of my $270k portfolio consists of plunging stocks that were once respected, and I'm at a loss for what to do now.

@tunnelvision3246

4 ай бұрын

Lots of individuals undervalue the function of advisors until they are burned by their own emotions. I remember a couple of summers ago, following my lengthy divorce, I needed a good boost to assist my business stay alive, so I looked for licenced advisors and found someone with the highest qualifications. Despite inflation, she has helped me increase my reserve from $275k to $850k.

@trazzpalmer3199

4 ай бұрын

I am seriously devoted to creating a stable financial future and am thrilled to participate.

@tunnelvision3246

4 ай бұрын

Laurelyn gross pohlmeier is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..

People always twist themselves into knots to justify stupid financial decisions. 'We live an hour from work'... So were gonna buy new cars and run their value down extra fast?

@kendrapratt2098

5 ай бұрын

That’s a good point 😂 Let’s see how fast we can depreciate it!

@kbanghart

5 ай бұрын

​@@kendrapratt2098every car I've owned, I've always driven way over 100k. Actually wait, I had a Hyundai once that had I think 140k when I sold it. All my other cars had close to 200k

"Thank God it' Friday", Oh god it's Monday"

OMG HE TALKED WITH NO PUNCTUATION!! SHEESH!!!

If I cut my friend a deal on something and they turn around and sell it for a substantial profit I would feel cheated.

@jeremylewis5154

5 ай бұрын

If they sold it because they were struggling, I wouldn't have a problem with it.

@kbanghart

5 ай бұрын

​@@jeremylewis5154exactly. My wife once was given a truck from her grandfather.. who has always been very controlling. We have two kids, so after a while she sold it, and he absolutely blew his top bc he loved it and couldn't believe she would sell it bc he gave it to her. Needless to say, we didn't talk to him much after that.

What is so special about those "trucks" that people dump bank account after another on them? Why can't they just use a regular car. If you deliver stuff regularly, maybe you should use a box truck?

@jet4415

5 ай бұрын

Quit using “people” and narrow it down to “men”.

@Makalon102

5 ай бұрын

The bigger the truck the smaller the peen

@thedopplereffect00

5 ай бұрын

​@@jet4415a lot of women like buying trucks too simply because "it sits up higher"

@jet4415

5 ай бұрын

I live in the deepest of the Deep South and I don’t know one woman who purchased a truck. They all purchase a SUV or a van to “sit up higher”. @@thedopplereffect00

John is gonna ask the caller if he can Breathe you just watch

@kbanghart

5 ай бұрын

Yes, breathing is good.

I would’ve sold the cars way before the house!

Me watching this and trying SOOO HARD not to judge the boy but man oh man. Dave dropping the pen was a very MILD reaction really

So his friend sold him the house at a discount for him to flip it and make 77k? Lol

@rory644

5 ай бұрын

Minus 10k he spent on cc so more like 60k minus tax

Man i love grumpy Dave 😂😂😂

I recently made further purchases. Saving for a market slump is also a bad idea. There are different perspectives on recessions and depressions; we cannot always expect significant rewards; and taking risks is preferable to doing nothing. The bottom line is that by diversifying your portfolio and making sensible judgments, you will accomplish exceptional outcomes. In just 5 months, my portfolio's raw earnings increased by $608k.

@Rhgeyer278

5 ай бұрын

Despite my conviction in your direction, my recent stock purchases, and the fact that I am an AMC shareholder, I have not been able to amass anything. I had been in debt for far too long before the collapse. What are the steps required in investing?

@Bradleyschaeffer376

5 ай бұрын

I completely agree, which is why I think it's important to delegate decision-making responsibility to an investment coach. Underperformance is essentially unimaginable given their specialized experience and education, as well as the fact that each of their skills is focused on harnessing risk for its asymmetrical potential and controlling it as a buffer against certain unfavorable events. Working with an investment coach for over two years, l've made over $1.5 million.

@Bradleyschaeffer376

5 ай бұрын

Samuel Peter Descovich that's whom I work with

@Annakrueger822

5 ай бұрын

That is incredible! If he's this talented and has A-list skills, I'd like to speak with him. Even when I clone transactions using a MAM account, I continue to lose 20% of the time. Where can I locate his contact information?

@Bradleyschaeffer376

5 ай бұрын

SAMUEL PETER DESCOVICH GOOGLE the name

I love Dave 😂😂😂 the pen drop

2:25 Dave getting all fired up lol 😅

LEXINGTON, KY! WOW!

when you need a call to feel better about your own situation, this is that kind of call

I miss Dave the savage. lol

So they bought a house they couldn’t afford, sold within a year, so paying taxes on the profits and that best broke even after years worth of mortgage payments, and possible housework maintenance. Mans a real winner.

@jimmymcgill6778

5 ай бұрын

ANd on 77k profit, is not 35%.

@jaredgates4310

5 ай бұрын

What I don't understand is how they couldn't afford a 315K house with a 130k income.

@MercuryRyzen

5 ай бұрын

@@jaredgates4310 Well after listening to the man ramble a Doctorate paper's word count into 2-1/2 minutes time (thankfully, others would have taken 7+ min), I can see how they couldn't figure it out. Very doable if they cut back, formed a budget and stuck to it. Now they get the pleasure of some stupid tax. Lord knows I've paid my share.

Yea Navy federal gave me a really high limit. I applied and was denied at first so I got a *VRI TOKEN* , and I was approved for a capital one. The limit was so small lol but I took it and worked on it. Because if that it helped my credit and I believe that’s what made me finally get approved for navy fed with such a high limit. they're still working on increasing the capital one since it was so low. All in all I’m satisfied.

As soon as I heard him talking I knew this was going to be a Charlie Foxtrot!

I love when people call in asking how to get out of debt while keeping their toys. Always gives me a good laugh.

They should have kept the house and waited to upgrade it. Idiots. He's probably letting the wife make all the decisions off of her emotions.

6:05 Dave didn’t exclaim “Congratulations!” at the baby announcement, this time😆

They couldn't afford that extremely cheap house with two incomes? Good grief...

@1981lashlarue

5 ай бұрын

$315k is extremely cheap?

@thedopplereffect00

5 ай бұрын

​@@1981lashlaruein 2024, absolutely

@1981lashlarue

5 ай бұрын

@@thedopplereffect00 It also depends on the location. I know that housing prices have skyrocketed in recent years, but there are still a number of nice houses in my area in the $250k and under range.

I feel bad for the friend that gave them the house for a good deal. Probably trying to help out a young couple. The friend should have sold the house at market value.

My fishin license was 15 more this year and my wife bought boots the same day with a coupon and the cashier had pigtails and a camo shirt I thought about getting at Cabela's last week...

Listening to this guy after a minute, I wanted to scream “STOP” “just stop”!!!

Man of just a few words!!

How many handouts does this guy get? And still fucks it up?? It won't change

@jimmymcgill6778

5 ай бұрын

What handouts?

@kbanghart

5 ай бұрын

So a good deal from a friend is a handout? Don't be so jealous!

@katydid917

5 ай бұрын

@@kbanghart Jesus Christ 🙄. He’s living rent free right now. That’s exactly what a handout is.

how's that $130k income going to change after the wife has the kid and wants to be a stay at home mother? caller has a kid coming and is worried about extra vehicles.

@catherinewilke5583

5 ай бұрын

That lady isn’t working another hour after the crotch skittle emerges 😂

@mariannebrandon8891

5 ай бұрын

Well at least they’ll save on child care if that actually happens

Truck yeah!

Lit ep

People from Kentucky never disappoint

I know we only heard portion but Dave was a D to this guy

Dave at 2:19 lol.

Amazing, Dave & John never asked what he spent all their money on.

Great video! I have a question, I have two fraud inquiries on my reports that I would like to get removed. I've seen your video regarding this, but Im still a bit confused. So I know my first step would be making a call with the credit bureau (Experian) but should I also make call what time? And would I be never stop sending a good compny *VRI TOKEN* to my friends and people I know regarding any credit situations

How are they struggling making 130k in Lexington, KY? 😂 these people must be living kings 😂

That truck will do it everytime! Haha 😂 gotta have my truck 🛻 vroom vroom!! 💨

CPA here. at 120k income, they're not in the 35% tax bracket, not even close. They're paying like 24ish in their highest marginal rate. The higher percentage Dave always uses is great because it puts the fear of God in them... but they'll have a bit more breathing room than he thinks.

@GAFB1122

5 ай бұрын

More like 22% marginal tax bracket. 22% for MFJ goes to $178K. And that's taxable income. As an MFJ they get a minimum of $27K standard deduction if their itemized don't exceed that. Enough ordinary gain on the sale of the house could push them to 24% but it would have to be considerable.

@brendenagrela2466

5 ай бұрын

@@GAFB1122 either way, less than 35 percent. My point was more "everyone throws 35 percent out blindly" 😂

@jimmymcgill6778

5 ай бұрын

Their tax rate after deduction would be 22%. The same as if they didn't sell the house. So basically they have to pay no extra taxes.

@thedopplereffect00

5 ай бұрын

If they lived in California or New York it's pretty close

@jimmymcgill6778

5 ай бұрын

@@thedopplereffect00 Lair. A Google search easily disproves that.

They are not broke, have some cash 30k or so, paid off cars, good income, no rent. I’m confused why are they saying they are broke

@jimmymcgill6778

5 ай бұрын

Dave thinks everyone who makes less then he does, is broke.

I made the same face when I heard "0% down is what we got"

Seems that any title that has the word "broke" in it there is a truck payment in the mix. Still confused how a pick 'em up truck became a status/luxury vehicle.

@kbanghart

5 ай бұрын

Confused? just drive by any car dealership, you'll see how fancy new trucks are these days.

Dave, We can't afford the taxation.

Be nice , he called for help .

This caller seems reasonable. Nothing really stood out except what he owes on his truck which he could sell or pay off quickly because they have no mortgage or rent currently. He had 30k in savings before he got married. Right after he got married he paid his wife's student loan and car off. They lived in an apartment for a year until someone gave them a great deal on a house. They gave it a shot. Who wouldn't making 130k? Realized they couldn't do it after renovating via credit cards and sold it. He didn't blow the money. He put the 50k aside and called the show because he wasn't sure what to do next. Most of the confusion is because they didn't listen to the caller.

@Candisa

5 ай бұрын

He bought a 22k car for his wife, is paying off a truck, and has a third car on top of that. That's all you need to know right there. Then add the fact they couldn't manage to pay off a 315k mortgage on a 130k income...

@jeremylewis5154

5 ай бұрын

@Candisa he bought it in cash so it didn't go against Dave Ramsey principles. He knows the truck is a problem. That's why he called in.

@Candisa

5 ай бұрын

@@jeremylewis5154 He spent 22k on a new car only for it to depreciate quickly by driving it for two hours every day, while having debt and not exactly knowing what he actually has after taxes. It definitely goes against Ramseys principles and it definitely goes against common sense, hence why he basically called him an idiot.

@poolking25

5 ай бұрын

Ya this isn't a big deal like they're making it out to be

@Candisa

5 ай бұрын

@@poolking25 -facepalm-

Idk about price, but I'm going with *VRI TOKEN* . I feel that regardless of gains and losses my funds are safe.

His wife is living it up isn’t she LOL

Following dave ramseys advice I owe 35k and will be out of debt in 9 months if I go aggressive! I'll be back when my debt is paid off

Of course this is close to home lol.

My pension is $110,000 I have a side job making 40,000. No mortgage. No CC debt. No car payments. And I still drive my 20 year old Toyota Sequoia.

" Autopsy CSI on Dave " 😂❤

He would have kept going if Dave didn’t interrupt him. 😂

Damn Kentucky

The way he just hang up on him mid sentence XD

You blew your nose in the Willie Wanka ticket🤣. Dave is off on the taxes for ordinary income. He was stating 35%, sure if you make what Dave makes. 😆 They are paying 22% on that plus any state taxes due.

@jimmymcgill6778

5 ай бұрын

On 77k that pay 12%. On they income, they pay 22%. Both of the together, they'll pay 24%. So basically they are only paying 2% effective tax. Never let Dave do your taxes.

@mph5896

5 ай бұрын

@@jimmymcgill6778 You are incorrect. And you will have to figure out why you are incorrect instead of me explaining it.

@jimmymcgill6778

5 ай бұрын

@@mph5896 How am I incorrect? You can't say. Means you don't know.

@mph5896

5 ай бұрын

@@jimmymcgill6778 You corrected me with an incorrect answer. You insult me stating I don't know, but then you demand an explanation. 😆 Fine, they make $130k, so the $70 something gets added to that. $27,700 standard deduction since married puts them into 22% tax bracket.

@jimmymcgill6778

5 ай бұрын

@@mph5896 I was off by 2%, big deal. Unalive me than. And I wasn't taking deductions into account. And you're wrong too. For 2024, standard deduction is $29,200. So basically they're paying no extra taxes. Because their tax rate would have been the same 22% anyway. Still now where close to Dave 35%.

we got $77000 on the house sale and instead of paying off the credit card we went out and bought a new car and got pregnant....

2002 is an old house? So what is my 1908 house ancient? It has real 2x4's held together by square peg nails old growth hardwood floors. The only update I did was replace the Cedar shingle roof and bypass the knob and tube electrical wiring. The basement foundation is three feet thick basalt rock from the local Copper mines in the Keweenaw area.

Remember we all learn from mistakes....

Lol. Very looooong story.

A 30-year 315k loan at 6.25% should have been no problem with a 130k income…and of course he goes and buys his wife a 2nd car the second the cash from the home sale hits their account.

130k, no rent. 37k car debt. 50k in the bank. No need to sell any car. In 4 of 5 months, they can have the car paid off. They are not broke. They live an hour away from their work. And Dave want's them to sell 2 cars? It is not as bad as Dave is making it out to be.

@GAFB1122

5 ай бұрын

I was right about you and now I understand why you wouldn't say you like or dislike Dave AND whether you agree or disagree with Dave's philosophies in general. Because you "FOLLOW" Dave just to say negative things about his advice and to disagree with him. I call that an internet troll. When you follow someone just to constantly negatively criticize that's a troll.

@pauls-finds

5 ай бұрын

Dude has it made! Who wants to drive junk 1 hr to work.

@jimmymcgill6778

5 ай бұрын

@@GAFB1122 Why? Because he gave out wrong math about taxes? He's been in real state for 30 years. He should know you get taxed on profits, not sale price. You need to remove your head. If someone is wrong, they should get called out for it. You should not agree with bad math and bad advice.

@GAFB1122

5 ай бұрын

@jimmymcgill6778 Dude YOU are all over Dave's videos with negative comments and criticisms. I scrolled thru many of Dave's videos AND saw your username name on many videos and again all negative criticism. Just admit it already, you don't like Dave AND you follow him / troll him to make negative comments. I don't care what you reply with, YOU ARE A TROLL in my opinion.

@jimmymcgill6778

5 ай бұрын

@@GAFB1122 Really? I just seen you name on another comment, agreeing with my math. Now you are replying to me, and saying I am wrong? Just because you are saying someone's math is wrong, does not mean you don't like someone.

Too much bla bla, get to the point man.

@blodus4521

5 ай бұрын

Sounds like some guy who won't stfu at the bar.

@justincoyne5209

5 ай бұрын

This guy is insufferable

@AlecDaStar

5 ай бұрын

omg fr

@BarelyNoticedADD

5 ай бұрын

No kidding. Two questions: capital gains tax and shuffling some items around to be debt free.

@enricopallazzo3244

5 ай бұрын

Thanks for the heads up.

I think it’s kind of funny that before a Dave Ramsey video I get an ad for a $90,000 SUV.

Get to the question, dafuq!

Great time to buy buy now no do the numbers first.

The pen drop.

Can't deny the fact that *VRI TOKEN* has the strongest bet to bring lights back to this industry after we suffered FTX, Celsius, Tera and so on. Sure if they fail it's done for good but the pressure is too high and I think they will keep proper liquidity rather than these others. Don't see them going bankrupt any time soon.

@luck9837

5 ай бұрын

Shove it

" WE TRIED ANYWAY ." I come from a business family with 2 Masters Of Economics. I failed grade 7 but math is not a guessing game for me. We are retired and rich but if I let this guy try at our finances i will be living in a van down by the river. These people are DANGEROUS .....with money.

Holy. Cow…

In the uk there’s no capital gains taxes on the property you live in 😊

I feel that the last bull run was bolstered by all the money being printed. Major returns next bull run but I think they will be tamer in my humble opinion. A 10x on *VRI TOKEN* is and a 15x on polygon are fair considering how much those two coins are interwoven into the entire crypto ecosystem

he/she was given a gift in the form of the below-market house. if they really tightened the belt, did minimum improvements, they could have rode it out and came out pretty. sound like he married a high maintenance woman.