How old are you? You are so experienced and energetic.

Dave, your shows are better without these other guys. We come here for your advice as your are older and wiser than many of us. I have no interest in what someone my age thinks. Please take them off your program and go back to the old format. We DO NOT NEED THESE EXTRA GUYS!!!

I asked for Dave’s advise but to me it didn’t make sense. I can get a VA loan and buy a house with payments of $800 a month with zero down. Currently I pay $1550 a month in rent. His advisor said Dave is not a fan of VA loans so to buy a house I need 20% down on a 15 year mortgage. So it’s better to stay paying $1550 a month for quite a while or forever than to pay $800 a month for 30 years and gain equity in a house. I can also pay more than $800 a month and get the house paid off faster. I’m not following Dave’s advise on this issue.

I like this version of you Dave. I kind of understand what kind of People you help with your Hard stance on paying off debt if this is your customer Base.

6:42 Bruh 😂😂😂

Bazinga!

Good point. Better than I deserve.

And then Dave told him to stop and put more hours in as a mechanic.

Rikki Granger I do DoorDash as side hustle with a full time job cause Dave inspire me to be a delivery boy! Thanks to him, I am on my way to going to nursing school next year.

@@MarkZimmerman DoorDash is an amazing side hussle (better than pizza) if you are smart about it. 5-9pm (preferably 5:30-8pm) Fri-Sun (perhaps more). I've easily made on average $20+/hour if not more.

It's absurd that even the jobs aren't there to see; many of us are struggling, and taxes are likely to go up.

US Relief Funding They are a nonprofit organization run by the US Treasury that provides help checks to eligible Americans. I looked them up online after reading about them in the news and i contacted them. Thankfully, the program is still active, and I recently applied through one of their relief officer felipe gonzalez and was approved for a 5k check.

I looked up the ‘RFUSA’ online, great review, I contacted them got connected with a relief officer Felipe Gonzalez. Now I’m waiting on their response on how I can apply. Thank you for this info

I think I've heard of the RFUSA. are there any restrictions or conditions? To get by till I've finished paying off my bills, I could really use some extra cash.

I looked them up and its pretty easy to find them, i hope i am eligible for the relief. lets see how it goes

So true 😂😂😂

Great advice. I have family member who has just turned 17, I'm showing him that debt is dumb, hard work and discipline is the only way

@vincentrich - Banned But Not Forgotten think you missed the meaning of the quote....

Agreed. When they cant make enough money out of your debt they reject you.

Exactly.

I say if you don't handle your business, your business will handle you.

Otc the reason I stopped selling cars. Some people really couldn't afford that payment but management made us force the cars on them. Didn't like it at all

Cristian Delgado thanks

You only working 2months there does not show that debt settlement is a scam. Sounds like you were not a great fit..

@@ReliefRoadmap yeah I wasn’t a great fit because I don’t like to scam or screw people over 😂

@@LoneWolf-yg1mr Sorry you felt that way over my 20 years of service I still have clients thanking me for the knowledge and options they had to get back on track.. Definitely not for everyone but I proud to have helped families succeed to buy new home etc through settlement.. Much success to you hope you have a great week ...

LOL! 😂

@@JustineCarissa, this episode was hilarious!

Pizza delivery guy with 90k on debt. How?!

Facts

One hundred

If most did that, Dave wouldn't have a show lol shoulda coulda woulda

@@conquistador2 except most make less than they owe.

@@erkfx4154 yes for sure, it's a common theme.

Fr?

😂 y’all don’t like John at all i noticed

Lol he can be real irritating most the time

@@Jay-om8gr I think once you are a Save Ramsey die hard it takes a lot for these new personalities to be accepted. I like Chris Hogan but I find myself often saying "Dave would have done a better job with that call saying xyz."

@@Jay-om8gr not really

😂😂😂😂

🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣

🤭🤭

Lol the heaviness is loud and clear

😂😂 for real

I say the same thing. I would never recommend them. They're a waste of time.

Credit card companies are like the equal and opposite. They are all leeches.

Same. It's a rip off.

sounds like you were not a great fit.. did. you get to pay off your DEBT?

@@goalie2998 getting a credit card is a choice of the CONSUMER ..

“Sell the pizzas”

🤣🤣

Whatever he was doing wasn’t working

Sell the wife, burn the pizzas, beans and rice. In Jesus name, Amen. - Dave Ramsay

@@RainbowManification You picked the wrong comment section fool! ..oh its just you Smoke whats up my brotha

Yea but the thing is you could all negotiated it all yourself w/o paying them. Their just a middle man. Everything you paid them was a waste

How can anyone be irresponsible enough with money to end up almost six figures in credit card debt. Jesus that's depressing.

For some people that’s worth the expense because it’s included in the payment schedule. Also, they negotiate much better deals than you could ever do yourself. For example some companies require you to put a deposit of hundreds, and then pay hundreds. Versus the legit companies can negotiate a much smaller monthly payment and you can keep more of your income every month to focus on rebuilding your credit and savings.

@run teldat that's still insanely irresponsible.

@run teldat disagree, both are irresponsible. The faults of a bank (or another person) don't absolve you of your own responsibilities.

I think being uncollateralized debt free is a short cut 😉

@run teldat this is the point where it would make sense to just declare bankruptcy and stick it to the banks, then they won't get anything LOL.

Nick Johnson Why the LOL? What’s funny about not paying back money you borrowed?

He wants to settle for less which is not wrong considering the played him like a fool for even allowing 90,000 in debt. If he didn't want to settle then he would not be paying 1100+ a month for the program.

He'll be wanting to finance some big 4X4 real soon, as opposed to paying off all that pesky debt.

Sounds like he's brain dead.

It's an 8 minute call. That's not typically going to happen in a live 8 minute call. His financial coaches will dive deeper into that in private over the next year.

To not be debt burdened is simple: Don’t ever spend money that you don’t have.

I suppose it would be better to say: Don’t spend someone else’s money, ever.

​@@jeremiahmeade710 Our entire economy from the 19th century to present day has been based on "spending other peoples (investor) money." We have a capitalist society (capital!). If borrowing money wasn't a thing, we'd be lightyears behind where we are today. People borrow to invest in business, in research, or to invest in themselves by getting an education. To wait to save the vast amount of capital needed to finance ertain things would be impractical. All debt is not equal. Paying for something with some else's money which they get interest on isn't always bad. Financial trouble arises from spending other people's money on unnecessary things, things of depreciating value, and material things that add no real value to one's life. Compounding the problem would be poorly managing one's credit and having to financing this lifestyle at very high interest rates, which is the case for many of the callers. They buy things they dont need at high payments (and corresponding high APR's). "Don't spend money you don't have and don't spend someone else's money" are overly simplistic. If you've never borrowed a dime in your life, that's great for you but life for most people doesn't work that way.

Agreed, just the main category would be fine. I always wonder what they have the $100,000 worth of.

Very true!

I’m looking into it with a company but I have reservations. I have about 22k in credit card debt and interest is about to kick in on most of them. Which company did you use?

@@sharishines99 ClearOne Advantage

Yeah leaching off your parents and not having to pay any bills is a good way to save money 👍🏼

@@staniclol7063 Getting an allowance is leaching? Ok....

You mean ignorant people borrowing money, that's what it is.

@Global Economic Research It's both sides problem.

People should be responsible and then they wouldn't be desperate.

He’s single, so doable

Did they make canceling east or difficult? I’m in regret for making this decision on even thinking debt consolidation was a good route. The more research I’ve done, the more confident I feel on executing on my own.

@@BobbySee2 what's the name of the company? Also did they settle any accounts yet ?

1099 means what for your taxes?

That’s what I tell people. A good company that does what they say they’re gonna do is not the worst thing ever

@@natalieoliver2280 It means the IRS will want you to pay TAX on the amount of credit forgiven. They count it as income when you stiff creditors.

Harry Verri thank you

What did you end up doing

@@jordans03 Wow! I totally forgot about this post. Since no reasonable lender was willing to extend me a loan all I was left with was good old discipline. What I did was I started cutting my expenses big time it was not easy and I had to sacrifice a lot. I started by paying off my balances with the highest interest first and it took me about 15 months to get it under 15% of my limit. Interestingly, once that happened most banks were very interested in offering me reasonable loans. Go figure! Just remember banks are not your friends they just want their $$$ and that's it.

@@jordans03they kept calling him and he eventually got on board

People forget that part. If you owe 50K and settle for 10K , you get charged with 40K in income to the IRS. Ain't no free lunches!

Do you get a 1099 because the debt was “forgiven”?

You can make a settlement with the IRS if you have some cash. They will do a percentage on the dollar. You do not need Optima to do it.

How much debt? And how many year was you in program?

I wanted to finance a truck yesterday then I watched couple of Ramsey videos. I made U-turn because I didn’t wanna make stupid decisions.

@@user-fz3dy7bp9d smart move! 👍🏾

Angry Tiger You made a smart choice it’s a truck not a house the value will just drop and drop and drop and you will be stuck paying it off for a long long time it’s like a mortgage but you dont get anything that has longterm value and instead lose money.

That’s how I also felt about buying a car. Once I knew I could do the same thing, my car purchase has been nothing but the dealership eating out of my hand.

I started one 6 months ago, how long did they take to settle?

@@omarmorales804you commented this three years ago, what ended up happening ? Did it get resolved or did you back out?

@@omarmorales804how long did it take to settle?

Probably only putting 250 on the debt too! What a racket

But if he proves the debt relief company wasn't paying on his debts he agreed to he can demand his money back or threaten them with fraud and a lawsuit.

I work at a hospital and we have our own finance department that calls people for their unpaid medical bills. This could be what is happening.

Yeah but then they start digging into things like, did you overstate your income on the application in order to get more credit... which is a felony, I'm pretty sure. A lot of people do that, and will get away with it, assuming they don't file bankruptcy on the debt.

@@mr.frandy7692 Bankruptcy fraud is a felony, but rarely prosecute and rarely seen. The amount of due diligence attorneys go through in bankruptcy screens out 99% of the bad apples.

Does it work with personal debt . Or just CC debt ?

Can you ask for the CC to forgive part of the debt like he stated?

No, he told him.

As a single guy, you have 100k in cash and don't know what to do with it. 🤔BMW m4, steak and lobster dinners and 30k a year vacations. Dave's callers prove one point: the more you make the more you spend. Its never the income, it's the spending

Keeping up with the jones

Joshua simping on them hos

Snap on tool box

@@Jay-om8gr it's a joke🤔

We have no idea his situation. What if he had to pay a dying family members emergency medical procedure or something?

@@samanthab6642 On multiple credit cards? Seems unlikely, responsible people don't have 5-10 credit cards to begin with.

@@michaelhunsinger8351 you can't know his situation

Oh you'd be surprised!

You probably have to ask their girlfriend......

Omg that's terrible!! Your poor mom 😢

If she gets ssi she doesn't have to pay any of it back. They can't put a lean or garnish wages ssi is protected.

How was that process? Is bankruptcy as bad as everyone is making it seem?

That's too long.

@@jgbotwinick49 nope. Bankrupcty is for 500k in debt make 100k. His debt to income ratio is 0.9 to 1. He can slowly chip away. He sought Dave's advice at the right time.

I have a feeling they made him sign paperwork that forfeits his right to try to recover any of that if he terminates the deal early. That's probably what those companies hope for, so they get ALL of the money instead of just a percentage.

Yeah? Which one is that?

@@airmaxair-max4993 national debt relief

@@roncur oh okay bet. Thanks

@@airmaxair-max4993 np

He didn’t say anything. But he always hears things in peoples voice. SMH

Which one?

Jaz Wafflez Bank of mom and dad.

Which one