No video
Dave, I'm In A Huge Financial Mess!
Рет қаралды 191,496
3 жыл бұрын💵 Create Your Free Budget! Sign up for EveryDollar ⮕ ter.li/6h2c45
📱Download the Ramsey Network App ⮕ ter.li/ajeshj
🛒 Visit The Ramsey Store ⮕ ter.li/7vyom2
📞 Have a question for the show? Call 888-825-5225 weekdays from 2-5 pm ET or send us a message ter.li/n88ly5
Explore More Shows from Ramsey Network:
🎙️ The Ramsey Show ⮕ ter.li/ng9950
🍸 Smart Money Happy Hour ⮕ ter.li/9gcp3d
🧠 The Dr. John Delony Show ⮕ ter.li/2u3mc0
💰 George Kamel ⮕ ter.li/1elws8
💡 The Rachel Cruze Show ⮕ ter.li/n2u6jc
💼 The Ken Coleman Show - Highlights ⮕ ter.li/1rbjr2
📈 EntreLeadership ⮕ ter.li/ktxv2k
Ramsey Solutions Privacy Policy
www.ramseysolu...
@TheRamseyShow 3 жыл бұрын
Know where your money’s going when you budget with EveryDollar. Start budgeting for free: bit.ly/3jByPKA
@lkj0822g 3 жыл бұрын
Situations such as this is where the Ramsey plan shines. Getting people to budget, live within their means, and climb out from under excruciating debt.
@johnnyhoang4444 3 жыл бұрын
He stated that he listened to Dave Ramsey for three months before all this happened. If he did listen for so long he knows exactly what to do but isn’t doing it. He kept stating that he just needs help. He knows he needs to sell the cars get on a written budget and be on rice and beans beans and rice
@TheDjcarter1966 3 жыл бұрын
I think people just don't comprehend that their retirement and kids college fund is sitting in the driveway of 75% of Americans. From the day you get married until your first kids are ready for college if instead of spending all that money on cars you could have $250-300k sitting in a mutual fund.
@johannesswillery7855 3 жыл бұрын
It really is a car payment v 529.
@bobsinhav 3 жыл бұрын
That is why they dismantled all the streetcars
@whatadayrose1244 3 жыл бұрын
Agree, we are ALL in a bit of a mess in different ways - stay strong don't give up. Asking for advice and help is one of the hardest steps and you did it!
@edgar9739 3 жыл бұрын
Can’t relate
@deadcell1 2 жыл бұрын
Definitely can't relate.
@Brett_Cale 3 жыл бұрын
"If you do what's easy in life, your life will be hard. But if you do what's hard in life. You life will be easy" ~ Les Brown
@mohammadwasilliterate8037 3 жыл бұрын
Simplified but yes sounds right.....
@nperegri 3 жыл бұрын
Wonderful quote.
@kirapoodle 2 жыл бұрын
Not necessarily true
@rachelharrison7961 3 жыл бұрын
This man only moved from TX to OK, but he sounds like moved 1000s of miles to someplace where he didn’t speak the language and everyone back at home cut him off.
@Rico401Prov 2 жыл бұрын
Yeah what he did wasn’t all that impressive and it’s obvious he don’t get out much
@Elram_91 3 жыл бұрын
Caller: I am a pastor and in a financial mess Dave: sell the church, members included
@maryannedmonson4657 2 жыл бұрын
😂😂😂
@chrislanejones 2 жыл бұрын
Communion wafers and beans from now on! You're not going to see the inside of the restaurant unless it's the reception hall and the seniors are cooking!
@Cassie03 2 жыл бұрын
Lol
@marciafernandes3460 2 жыл бұрын
Yep that will be funny😂😂😂😂
@moneybee 3 жыл бұрын
Sounds like a textbook case of rice and beans and sell the car.
@SpidermanandJeny 3 жыл бұрын
Sell the car-sure. Rice and beans when they make $120k? No, just go to to Denny's or similar only once in a while and start actually paying things off. It doesn't really sound like he has any kind of plan at all and doesn't pay anything off. So maybe mentally it'd be good to go super cheap, but finances don't dictate it.
@LittleMopeHead 3 жыл бұрын
@@SpidermanandJeny Bad advice. They are in a hot mess right now and should be in gazelle intensity.
@edjohn4590 3 жыл бұрын
Scorched earth baby!!!😄
@SpidermanandJeny 3 жыл бұрын
@@edjohn4590 why?
@edjohn4590 3 жыл бұрын
@@SpidermanandJeny uhhhh so they can get out of the mess they in????
@SoloClone 3 жыл бұрын
Jordan B. Peterson, has the best analogy for life in these regards. Dont be afraid of what's in front of you, deal with that, because if you dont, its whats coming behind you if you dont deal with it, thats the real problem.
@ryanl3812 2 жыл бұрын
Dave's system/advice is painfully consistent. I always wonder what folks in situations like this expect to hear.
@BachBeethovenBerg 2 жыл бұрын
I think a lot of these people need moral support more than anything else
@unkownuser5809 3 жыл бұрын
The fact that he bought 40k worth of car, is scary. Why???? Does a used 15k car not have AC and moves from point a to b?
@marleyjanim5033 3 жыл бұрын
I get it , but it would not be me.... My boss just purchased an 80k truck he only makes 150k I barley make 100k my SUV was 20k....
@unkownuser5809 3 жыл бұрын
@@marleyjanim5033 truck guys always buy brand new to show off, in reality it's car payments for years plus parts cost more because they are oversized.
@ctrlaltcreate3827 3 жыл бұрын
Everyday I go to school/work and see an innumerable amount of people sitting in new Ford Raptors and Superdutys. I have to admit they look and probably drive amazing but the debt just isn’t worth it.
@unkownuser5809 3 жыл бұрын
@@ctrlaltcreate3827 They are really stupid when you think about it. Brand new F150 is $30K, add on tax, couple more thousand. Finance costs added on for the loan, then the cost of insurance on a new car is high. And then you get to watch the most perfect new truck get scratched from rocks, car door in parking lots, etc.
@aolvaar8792 3 жыл бұрын
@@unkownuser5809 2022 F-250 4x4 SuperCrew Limited, ~$100K
@katt6894 3 жыл бұрын
Sometimes it seems like people will say "God wanted us to do this" or "God led us to this path" as a way to justify their choices and make them feel better.
@kiaharper7172 3 жыл бұрын
Honey, people believe in the craziest things when it comes to gods.
@ghjong001 3 жыл бұрын
Not just that, but they spent all that money because of the "stress" of moving a few hours drive from TX to OK. While making $100k per year. The fundamental problem is that he sees everything they do as the result of external factors, and not their own decision making. And now he's calling Dave because he needs something else external to get him out of trouble.
@matthewgardner2144 3 жыл бұрын
@@ghjong001 This is one of the best behavior break downs I've ever read here. Thank you. And Caller clearly needs to travel and get out in the world more, as opposed to buying $50K cars and monster trucks they can't afford in order to mitigate the "stress".
@Waterheaterserviceproplus 3 жыл бұрын
So God has never told someone to move somewhere or go somewhere and then that individual made a mess of things that God never intended them to do??????
@Musicienne-DAB1995 2 жыл бұрын
I believe in God, and I agree. Carelessness in using God's name in order to avoid personal responsibility is dangerous.
@mannyjeanpierre4062 3 жыл бұрын
Crazy how a person can literally borrow themselves into the poor house in today's America.
@MrBrewman95 3 жыл бұрын
When people say I took a leap of faith, that means I didn’t know what I’m doing and expect something to catch me without any plan to land on something solid. 🤦♂️
@MP-nj1qy 3 жыл бұрын
Wow, he's a plumber and makes $100k, and I'm a lab scientist barely making $50k. I should have skipped college.🧐
@johannesswillery7855 3 жыл бұрын
A lot of people are making this point. Then if you had put the money you spent on college in a mutual fund compounded over forty years.......
@gordonsmith5589 2 жыл бұрын
Yes Mr. Scientist. Plumbers provide a service everyone needs at some point.
@lukeroonie 2 жыл бұрын
@@gordonsmith5589 said, typing on a computer...
@michemash8860 2 жыл бұрын
@Luke Levan …a computer isn’t made by a lab scientist. So…
@taneshabland8686 2 жыл бұрын
Lol hi 👋 I’m a scientist also lol let me give u the best tip ever….u don’t start making money until you leave the lab lol
@user-wx1ji5ot5u 3 жыл бұрын
That was the most obvious call for free Ramsey + I’ve ever seen
@et5895 3 жыл бұрын
Hmmm.... Why did they leave town? This doesn't sound like the normal "we moved" it sounds like they were dodging something.
@misoudeweese7209 2 жыл бұрын
He moved away from his business, from a state that has no state income tax to one that has income tax? 🤔 odd indeed.
@j.m0ney133 3 жыл бұрын
Sounds like they don’t have a plan. If they can get on the same game plan and both work they should get through this.
@Shnazz999 3 жыл бұрын
Caller provided every single detail except for the details that matter.
@RJRussoVids 3 жыл бұрын
For awhile it doesn’t feel so bad to rack up debt, but then those payments start adding up till you have to make choices about what NOT to pay each month. Then you start to feel ill. Then you have the right motivation to get out, and stay out, of debt.
@mxerb5912 3 жыл бұрын
The debt list just kept going lol. Why did you buy a 50k dollar car?
@MrTmenzo 3 жыл бұрын
Young and marriage. Being impatient and wanting everything"now". "Hey with a new house we need a new car to go with it ahh durr!"
@marthar4370 2 жыл бұрын
that price tag would make me nauseous
@Ziegfried82 2 жыл бұрын
At around 100k yearly income the 50k car was within reach, just not combined with every other move they were making. Priorities were way out of order that's for certain.
@TheTurdballs420 3 жыл бұрын
Instead of “Uncle Ben” Dave needs to create an “Uncle Dave’s beans and rice” to sell to people like this
@SergiuM42 3 жыл бұрын
lol
@matthewgardner2144 3 жыл бұрын
Sadly, he would jack up the actual price and make huge profits from people like this.
@amosiren 3 жыл бұрын
You make 100k and you're struggling...in Oklahoma? Wow
@Rico401Prov 2 жыл бұрын
I heard it all after that
@danielbusby5773 2 жыл бұрын
Exactly I live in Tulsa make $60k a year and live a great life!!! Some people live above their means though
@daltonsikhosana8275 2 жыл бұрын
Man you Americans are built different
@chrislanejones 2 жыл бұрын
Someone need to sell some Coach bags!
@pittste88 2 жыл бұрын
I think some of it is the move transition and the feeling like your helpless if something goes wrong.
@BrandonMinguez 3 жыл бұрын
Their level of debt was a snowball that turned into an avalanche. Hopefully a solid budget and getting some of those loans out of the way will be a good start.
@donaldrichey3318 3 жыл бұрын
A pastor who left the church Moved out of state away from everyone Doesn’t want to go back It’s more than a financial issue
@ExNihiloComesNothing 3 жыл бұрын
Sounds like he is possibly in disobedience
@christinebutler7630 2 жыл бұрын
Whose kid was he messing with, I wonder?
@philburt781 2 жыл бұрын
"God told him to move." Stay away from anyone claiming God speaks directly to them.
@barbieblue3336 2 жыл бұрын
Pastor, plumber. Never heard of that
@barbieblue3336 2 жыл бұрын
And he's a dentist?
@universalservicetechust3578 3 жыл бұрын
That 42K car loan hurt me 😟
@elizabethallen4353 2 жыл бұрын
I admire Dave's lack of expression when he was stating his car loans. 42K. WOW
@jerky1976 3 жыл бұрын
This guy sounds like he wants to be a victim. No one took out those loans. No one bought the cars. He has been in Tulsa and he can’t find a church? He just wants Dave or the lord to save him when he needs to save himself.
@deepfakesforreal9487 3 жыл бұрын
Especially as a 'man of God' , how did he think it is a christian thing to take 42k loan for a car, I am sure cars under 10k do just fine!
@thelogicaldanger 3 жыл бұрын
@@deepfakesforreal9487 Like many self-proclaimed "men of God", he expected he'd have a congregation to pay for it.
@MissBluebirddays 2 жыл бұрын
Some people just need reassurance from uncle Dave
@michemash8860 2 жыл бұрын
Man can’t save himself…that’s why we need Jesus.
@tortoisehead30 3 жыл бұрын
I still can't believe people do this to themselves. His house payment is reasonable. They would be OK without the stupid cars.
@bobsinhav 3 жыл бұрын
Just stick to a corolla or a civic
@matthewgardner2144 2 жыл бұрын
Caller: "God wanted us to have an Escalade and a big truck with monster tires."
@chrislanejones 2 жыл бұрын
I have a 2008 Kia Sportage, it's has seats and a trunk, it is amazing, can't they drive something cheaper!
@leebay6093 2 жыл бұрын
Yep, I’m in country Tasmania Australia and drive 1/2 to Shop for groceries etc, I drive a well looked after 1997 Honda Civic, was one owner cost me $2000. No air conditioning- I roll down the window, I’m not loaded but have no debt, people start living within your means and stop trying to keep up with the Jone’s, bring them down to your level - much cheaper 😜
@ianmowbray3284 3 жыл бұрын
In there situations the car is way out of line acting rich but really broke.
@barbieblue3336 2 жыл бұрын
Their
@rockyali8305 2 жыл бұрын
Most Americans are that way. They act rich, but really are not.
@pigpjs 3 жыл бұрын
Good luck to this guy. I hope he and his wife can stay on the same page and get out of debt.
@rethinkcps2116 3 жыл бұрын
Is Tulsa so far from Texas? Not like he landed in Nome -
@joepic85 3 жыл бұрын
Trucks are such budget destroyers. Overpriced and unnecessary
@mxerb5912 3 жыл бұрын
At least they have utility and hold their resale value unlike sedans
@Wyo2Wis 3 жыл бұрын
But necessary for his plumbing work.
@macneoh7418 3 жыл бұрын
Have you sat behind the wheel of the new F150s? The budget will be out the window.
@rockyali8305 2 жыл бұрын
@@Wyo2Wis If his plumbing work doesn't net atleast what he's spending on that truck every month. Then no. The truck isn't needed.
@gordonsmith5589 2 жыл бұрын
@@rockyali8305 🤦🏻♂️
@NaNa-lt1po 3 жыл бұрын
Finally landed a free FPU
@winchesterhollow2899 3 жыл бұрын
Excruciating rambling
@jutde 3 жыл бұрын
Considering he's from Texas he got to the point pretty quickly.
@rons.6683 3 жыл бұрын
He did better than most.
@raymondcunanan1135 3 жыл бұрын
It’s gonna be hard. But if they’re willing to sacrifice and stay focus on paying all that debts, they can do it.
@bettysmith4527 3 жыл бұрын
Ok kids, time to get a job or two for both of you!! How do people wait until they are this deep to realize they have a huge problem?!
@bingo123270 3 жыл бұрын
Dave is so chill and helpful👍
@mikesawyer4707 2 жыл бұрын
Thank you Dave. You gave them a place to start sell a bunch of stuff. Get on a budget, live within their means they have good incomes. God bless.
@TuyetNguyen-pp2ew 3 жыл бұрын
Sometimes I wonder what some people were thinking getting personal loans? I get the home and car loans but mercy on all the other loans!
@evandawson 3 жыл бұрын
You got this, John! Dig deep 👊💪
@djpuplex 3 жыл бұрын
This hay seed just talked in circles for about five minutes. Makes him a terrible plumber but heck of a minister.
@Je.rone_ 3 жыл бұрын
I've been in a financial mess since going to college with student loans and without a coherent plan. Luckily the college part of my life is over
@teetrav 3 жыл бұрын
Oh the cars are GONE dude....extra jobs or SELL SELL SELL.....💸💸💸💸
@cl5193 2 жыл бұрын
This country and it's waistlines, debt, and "values" are out of control. Anyone else see the iceberg up ahead? Anyone?
@BlessedbytheKingofKings 3 жыл бұрын
Good morning everyone. Have a safe and blessed day and remember Jesus loves you
@cathy7824 3 жыл бұрын
I truly love being at home. I make good money and I love peanutbutter and jelly.
@SeanBaker 3 жыл бұрын
Goodness, those decisions. They have work to do.
@rick_thunder 2 жыл бұрын
Caller: Hi, Dave. Let me give you five minutes of irrelevant details before I get down to the actual numbers. Dave: Mm-Hmm. Okay, do the baby steps... TODAY! What did the caller actually think Dave was going to say?
@jennsimpson6035 2 жыл бұрын
Pain? They make a lot of money. Sell a car, pay your bills. I don’t understand what he’s asking for Dave to help him with. In a better place than most people.
@Basketball2k12 3 жыл бұрын
How do you make 120k and making these decisions , should know better
@Zoot_of_Anthrax 2 жыл бұрын
This guy acts like moving from texas to oklahoma is some great change. Im in DFW and OKC is like a 3hr drive. Sheesh
@Jumpman67 3 жыл бұрын
Wow. I don't understand how people can get things so wrong so fast.
@rodrigofernandez9055 3 жыл бұрын
Emotional purchases... He went on a shop spree to keep up with the Joneses or show the world he made it in life.
@johannesswillery7855 2 жыл бұрын
I doubt the Lord told them to get into debt to their eyeballs.......
@truegrizzlesfan2292 3 жыл бұрын
His first mistake not knowing exactly how much he's in debt when talking to Dave. Why do people need the luxury vehicle. I drive same Toyota Camry 12 SE models for yearsss . And it still drive like a dream.. I am in no debt. I still enjoy listen to Dave. People trying impressed other people. Crazy if you ask me. He lucky that the students loans is extending until January
@wadejensen4146 3 жыл бұрын
Timely for me. Thanks.
@OCDTraci 3 жыл бұрын
I DO NOT UNDERSTAND HOW PEOPLE MAKING 70K OR 120K ARE IN FINANCIAL MESSES. HOW HOW HOW HOW HOW HOW
@hybridramper-futurearmy1160 2 жыл бұрын
"Mo money mo problems" the great Michael Scott
@karimbennett5651 3 жыл бұрын
A big lack of planning and organization. They should not be this broke, given their income and income potential.
@universalservicetechust3578 2 жыл бұрын
Right now I’m debt free except for my home 🙏🏼💯 TYJ
@TumescentToucan 3 жыл бұрын
God spoke to him to move to Tulsa to get into a ton of debt. Makes sense to me. I don't see the problem.
@JustinNgim 2 жыл бұрын
Good point.
@gavinbinding 3 жыл бұрын
Good luck John!
@mikesawyer4707 2 жыл бұрын
This guy needs to do what anyone in dept will have to except. Sell the cars!!!!
@Neddie2k 3 жыл бұрын
John just wanted to speak to someone.
@willelliott5052 3 жыл бұрын
And they have had that ridiculous car loan for some time. That must have been some staggering car fever!
@MrKewlplayer 2 жыл бұрын
He makes good money, his rent or mortgage is definitely not the problem. What are all these loans for besides the truck? It would have been nice to know what the truck payment was.
@jimbojonesporfavor 2 жыл бұрын
"The lord spoke to me" - you mean you heard voices in your head :-)
@shaquanaburnette7981 3 жыл бұрын
Thank you for all your advice😊
@dsanti4069 3 жыл бұрын
"If its confusing or uncertain, than its not from GOD. GOD speaks to us in peace and confirmation"
@wread1982 3 жыл бұрын
If you hear voices from god its called schizophrenia
@marcenelj 3 жыл бұрын
$1400 house payment in Tulsa? That seems over the board for Tulsa
@kendrarhodes6425 2 жыл бұрын
If he’s been listening to Dave he should know they need to make a budget and do the baby steps.
@danj9519 3 жыл бұрын
Declare war on your debt. You can do it! I did it and have just my mortgage which I m working on!
@symlexbrn5396 2 жыл бұрын
They will be playing R&B all the way Rice & Beans
@Myraisins1 3 жыл бұрын
I'm confused. They make enough money they could pay that off in 18 months.
@jasminejama9161 3 жыл бұрын
Aren’t we all 😬😒
@GrumpyCat-mw5xl 3 жыл бұрын
“Dave I’m In so much debt I just don’t know where to start” “ would you pay 💰 off my debts Dave? here son I will pay back all of your debt. Problem solved.
@Stantorr 3 жыл бұрын
Rice and beans, beans and rice.
@jgallone 3 жыл бұрын
Sounds like they need rice Or beans, but not both!
@Stantorr 3 жыл бұрын
@@jgallone oufffff, tough choice... I'd go with rice
@slickwillie9526 2 жыл бұрын
Well if you didn't listen to me before, why should I waste my breath now?
@markbroughton5814 3 жыл бұрын
First mistake..... moved from Texas.
@anawarriner7456 3 жыл бұрын
Sounds like he didn’t listen to Dave!!!
@ponolovefarms3926 3 жыл бұрын
Classic Dave @ 5:33 😆😆
@slickwillie9526 2 жыл бұрын
120k and in trouble, cheese and rice.
@yayyareaa2997 3 жыл бұрын
I’m trying to figure out what kind of debt is possibly left to take out 😅
@MalcolmXtreme 2 жыл бұрын
Sell The Car needs to be on a shirt.
@michaelfarrell3391 2 жыл бұрын
Dave Ramsey could you do show for whole of England on debt 🙏
@vince8520 3 жыл бұрын
Why God would tell you to move to Tulsa OK ?
@michaeldalton8374 3 жыл бұрын
Punishment for sin.
@daisykaran5607 3 жыл бұрын
42k car the note not what it worth.
@anesthesia987 2 жыл бұрын
I love to here people in distress. Makes me feel good about my situation.
@robertthompson5908 2 жыл бұрын
I agree with Dave - the tone in his voice doesn’t match the numbers. I agree that they have debt they must get out of, but they have the income to do it. But the guys talking like it’s the end of the world. There’s something he’s not telling us.
@edgehodl4832 3 жыл бұрын
142k in debt? omg
@Shepherd20.28 3 жыл бұрын
Founder themselves…. Good horse sense.
@kiaharper7172 3 жыл бұрын
Huh?
@philuent 2 жыл бұрын
I have two cars now, each one likely nicer than this so called 40k one and each one less than 10k. secret: buy a car that was top of the line 10 years ago with low miles
@michellewei9139 2 жыл бұрын
My pastor is also a plumber. How interesting. Hes strong in the church.
@cabayern9416 3 жыл бұрын
Get this guy off. Only Dave please. This guy does not appear to have an independent thought at all.
@peterwatson5847 3 жыл бұрын
Hi Dave I don’t see Anthony on your show what’s going on.
@Lilbit2215 3 жыл бұрын
Dave doesn't even have an answer to his mess.
@7392318 2 жыл бұрын
We need to teach financial literacy in high schools.
@barbieblue3336 2 жыл бұрын
Did he say, "first time we moved away from family?" Then that he wouldn't move back? Have to listen again. But - I broke out the violins then
@sdot3358 3 жыл бұрын
Who knows maybe he will start grinding and live below his means and get out of dept. then he can teach to everyone he is pastering that God does work miracles and he can be a prime example for others in the community. Him and his wife would end up being a prime example
The Ramsey Show Highlights
Рет қаралды 509 М.
The Ramsey Show Highlights
Рет қаралды 120 М.