Her husband is a narcissist, if you listen carefully to the call, he is emotionally abusive, and her anxiety is sky high because of it

I was married to a narcissist. He was always reminding me that HE as the Christian head of household, so I was supposed to do, go along with, ANYTHING HE....the little demigod said. He's my X husband actually.

Many love to twist the bible for there motives

Sounds like she got a bad deal on a husband

Nobody does, and this "husband" didn't either. There's waaaaaaaaaay more to this story.

😂😂😂

Yikes

Unbelievable. It looks like she got ripped off on a husband.

🤔🤔🤔

Hit the road Jack and don’t.....

Nice job! I wish I had found Dave when I was in college.

Same I am now a financial advisor but listened to Dave through school borrowed 28k student loans but I’m now 25 and it’s paid off and I just paid cash for a new Porsche ! It works guys listen to Dave

keep at it dude, you're killing it!

Jealous, but happy for you! Wish I would've done the same. Great job!

CASEY MANLEY congratulations, well done! 👍

Or he's being childish.👶🏽😛

He probably never did. Sorry honey 🍯

Never did. She's his green card and sugar momma

You listened to Dave and became a wonderful husband because of that.

Good for you Scott!!!

That's something to be proud of, it's very hard to grow like that.

That’s awesome you can admit this 🙏🏾

That escalated quickly. 🤪

Mario Perez same

Amen

Nail on head

😂😂😂😂😂😂😂😂😂😂😂

Well hello there

New Life shut up idiot

@@cncgaming3457 Did I hit a nerve? You must be a boy . . .

@@CreatingFamilyMoments Of course he's a boy. His username is cnc gaming . He probably lives in his mom's basement.

He can walk

Guys sounds like he needs a visa and now wants to run out. This happens

Ya. She imported problems

A financial therapist

Essential Oil Stories if everyone stopped buying cars the economy would collapse. Millions of jobs depend on people walking into a dealership and signing their life away for 5 or 7 years. Lol

God point! Cars kill more people than guns. Ban all scary cars!

@@johnb4669 Sidewalk curbs are also very dangerous, and showers. I'm not sure about the death rate though so let's hold off on legislation.😁

@@EssentialOilStories learn the facts! Cars were number 1 until recently. Curds did not make the list. Go green!

People!!!!! With you mlm oils!!!!! Just stop it!

Ehh... You could pretty easily say that a Mortgage is a “good” debt since property appreciates in value.

In 2006, houses sold on my street for $220K, In 2010 you could buy for $40K, That's $8K down, $32K mortgage ($175/mo, 4.0% for 30 yrs) I am glad I'm in debt, the house will sell this year for ~$250K. Moving to a town of 10K, ~$100K for a new house.

There’s no risk on financing a car you’ve been driving for 5 years or so.

Not all the time, Im Mexican and my husband is white and we are in the same page, we both work hard and we both take care of finances. The problem is not marrying outside your culture, the problem is marrying somebody that you don't know and tha's stupid.

He can walk

TeKnoVKNG23 agreed not worth the trouble you never know what will happen.

I agree, as a 32 year old woman people say I will change my mind on marriage...not a chance!

Josephine Bournes cat or car ? I’m guessing u mean car. My name is Joseph. LoL

Josephine Bournes no problem at all. I love cats and dogs. Cars not so much. I don’t like how cars make us so lazy and so expensive

Him Bike You must live in a big city.

LadyNYC211 Amarillo Tx is 200,000. But I’ve lived in small cities. I’ve been doing this for 40yrs so I’ve learned a lot. Living without a car does intell a lot more planning.

Well everyone is diferent, i own 2 cars, $670 and $520 in car payments every month. But both me and wife use it for work. We both make $2900 each week. Without both cars we wouldnt make that much.

That was awesome. Proverbs 31

well in the last 10 years people have made a ton of money investing in real estate and the stock market. When you finance a car for 5 or 7 years you pay it back with interest irrespective of how the stock market is doing. You did take a risk and it turned out to be a good financial decision based on a bear market. If you can predict the market and are okay with taking risks this approach works. If we are talking in terms of financial gain it would have been an even smarter move to buy a used $15k car and invest the other 15k in stock market. S&P 500 did not rise as fast as (the depreciation of new car - depreciation of used car per year)

In general, Dave's advice is right. If he told his listeners to do what you did, many woukd blunder the investment. His suggestions are meant to be idiot proof. You took on a risk that you fully understood and won. Good job!

What about buying a 3 year old car from a dealership that says in the history is “single owner”? Wouldn’t that avoid flippers?

LOL S. Korea just get a car with a good service record. Most are good if you take care of them

The best way is from someone in your church if possible, if you can't trust them then who can you trust?

yea all cars are risk but new car on payment is the biggest risk of all. just shop around take the car on your test drive to a shop and have it checked scanned and or driven by the mechanic. low miles and never buy car newer then 2 years.

@@randomvideosn0where lol church? Why?

@@juliochavez1308 Because Christians claim to be loving and honest. That's like asking why an American would know where the nearest Starbucks is. Besides, let's not pretend the average car dealer is loving and honest. They don't care about your wallet. Just their own.

This woman sounds like a fool who married a man who's using her.

Now the number of decent men left for us to marry...

he should of added more... nip it in the bud now get problems out of the way before there "will' be more problems because the mindset is still there.

Then just buy the hooptie

As in "refinance" the house? For car money? No. Not a chance. Car debt's not a good thing. But if you're going to have it, the collateral needs to be the car, not the house.

I agree 100%. I get the feeling him and people who view car ownership the way he does, all live in a place with very very good public transportation. Where having a $3k car is no big deal b/c it's only used on weekend getaways. I financed a car, it is driven everyday to work. Without it I don't get to work for more than about $9 per hr (only jobs within "reasonable" walking distance, if 10 miles one way is reasonable). I can not afford where I live to have my car be unreliable, and lets face it, cars sold for under $3-$4k are usually unreliable. I bought my Corolla brand new in 2010 and financed it (at 0% apr) for well under sticker. It now has 175k miles on it and when it starts to cost me a car payment to keep on the road, guess what I'm gonna do... Also I know of multiple multi millionaires who finance(d) cars....he's just wrong in this vid unless he asked like 4 of his friends and stopped there.

He's not saying car ownership on a new car is bad. Financing one is bad. I got a 2014 Fiesta when it was 2 years old and had 21,000 miles in cash. It now has 75,000 miles and it was the best financial desition I ever made. Buying a super cheap old car or not buying a car can be $$$$$$$$$$

You could have bought a 2yr old civic for half that though

I agree!

If you are attempting to commute with a 3k car, you'd better be prepared to ride a bicycle.

And he can walk. He doesnt need a car

James Jhonson WHAT WOULD U DO IF YOUR STILL DEALING WITH A CAR PAYMENT YOUVE BEEN PAYINF BUT DNT WANNA DEAL WITH THE CAR NOTE ANYMORE?

Okay let's not get snow-jobbed over a MARKETING term Certified Pre-Owned is still USED, bruh Do you realize, WHO 'certifies' the vehicle? It just a local dealer and let's keep it 💯....this dealer vs that dealer is going to have varying levels of competence, no matter what....it is what it is. Some McDonald's locations are markedly better than others....that being said a car 'Certified' by this Bubba ain't the same as being 'Certified' by that guy This programs came out to...Yeah at one time give a little confidence and boost to liw miles well maintained rides but now it's a SALES game racket It can not be as black & white simple as you put it....unfortunately, Used is still used

Scotty kilmer disagrees LOL

Gemini Eric there was no confusion on my part about what “pre owned” means but there might be some that could use the info. I’ve had good luck with the pre owned 2015 Ford Focus I’m driving. Any car option a person takes requires research. I do know buying a new car is a stupid decision from personal experience. Honestly, unless you want a recently made car, buying a car around 100k miles might be good as well. But a person should take into account what the car is for, how long they expect to keep it, etc. As for the “sales gimmick,” anything you buy could be as such. This is a game for one that does their homework. My car, for example, was priced fairly based on the Nada Guide and KBB.

Claq Yagami show me a link to the video. But really, all I have to do is tell him it’s a Toyota and I’m good 😂😂😂

@@geminieric1662 CPO status is set by the manufacturer, not the dealer.

Yes, I'm sure I have some electrical vibe going on, but the two times I had bought a new car I got a lemon. I mean a brand new Toyota Corolla with five miles on it went out in only 8mo. The engine (computer chip) broke. Years later I got a ford escape it was one year old with less than 20k miles on it. It had problem after problem, and recall after recall. Forget it. I have much better luck with 20 year old cars. Little work and easier to fix.

100% man! Lots of ppl will lease a new car cause they can afford to loose the money and just want to drive the newest and greatest

If people are rich, they should just buy a new $80,000 Lexus every 3 years. Assuming they want to waste money on new cars. But there is no reason the Lease a car.

The Kitchen Enchilada nah bro. Tons of rich ppl dont like buying cars straight out even if they have the money. Why tie $80000 up on a car when you can finance it for lets say maybe like $2k a month? Tying up your money is a huge deal. Tons of ppl would rather pay that car payment even if they it cost more in the long run due to not having to tie all the money up.

If you have the money, you could just buy the car. Makes no sense to lease when you can be done with the transaction and have no more payments going forward. So there's really little to no reason to have unnecessary payments slowing down your future and paying interest

WHAT IF I DNT WANNA DEAL WITH A CAR PAYMENT I HAVE BEEN PAYING... HAVING MONEY SAVED UP ALREADY???

HereIsWisdom 1318 you sound like yoda

Well, you sir, are wise to have done what works for you. Dave Ramsey's advice is for the broke masses that can't think for themselves. There's more than one way to financial freedom. You have self control and compensate through your frugal living. However, please don't recommend this lifestyle to younger folk. We just don't all have the wisdom and self control you do.

@@BriLoveMusic good point. then it is good to talk about smart ratios. Max car loan should be no more than half your average annual income. The term of the loan should be no more than 48 months and you should plan / be able to make 1 and a half payments each month. You should plan to keep the car at least 15 years. When I bought my new '89 toyota it was $13k and my income was in the high $20k range. My next car was a new '04 chevy and it cost $30k and I put down $15k.... By the way, the toyota sold for $1k after 18 years of ownership. My annual cost of ownership (including maintenance and taxes, but not including gas and tires) was approximately $833.

@@georgewashington938 Agree almost across the board. Just a note on the loan length. I used the interest rates on various loan lengths per $10000 borrowed from my credit union, just to see what it really costs to go longer. Their options go up to 7 years and are for new cars or used cars no more than five years old. With 48 months as the baseline, if you go to 60 months, but pay the 48-month payments, it costs an extra $11. For $11 you buy the option to pay $41 less per month if you have some financial crisis (and not lose the car). Seems like a good trade-off to me. And as Dave Ramsey likes to say about things that go against his dogma, "no one ever became a millionaire by saving $3 per year". If you go to 72 months, but again pay it as if it is 48 months, it'll cost you about $68 in extra interest for the ability to drop your payment by, coincidentally, $68 per month. If you went to 84 months, again paying it as a 48-month loan, there is a pretty big spike. Now you are paying $364 extra to be able to drop-down $82 per month if needed. At what amounts to an extra $91 per year if things go well, I think this crosses the line, but I suppose it depends on how likely you think you are to need to free up an extra $82 per month. -- These all scale linearly, so a $17000 loan would be just multiplying all of the numbers by 1.7. Though the actual rates could be higher or lower depending on your credit union or bank.

It isn't just Dave that is against car loans; most millionaires advise against them.

@@JonathanLov I hear ya - I am a self saved/invested millionaire and I think blindly avoiding car loans pushes people to not do what is needed because most people earlier in their life will need a car loan. The real rule is: Do not over-buy, and do not change them frequently. Push your annual cost of ownership down. Having a reliable decent car is a major part of keeping stress low and eliminating reasons why you can't get to work early every single day so you can focus on generating income and not dealing with car troubles.

Exactly and buying a used car is such a risk honestly but if you have a good mechanic you could get by. My gf before she met me bought a used car. And she kept having some issues she probably put a about 4k into bogus repairs until I introduced her into my mechanic that my family been going to. Our family mechanic said none of the repairs were actually done in the car. So she wasted 4k. I helped her get a work from home job rather hybrid position and we moved back to the midwest for cheaper rent. And her car started to go out and she needed to go in office 1 week out the month. We went to 3 mechanics the first 2 ripped us off we paid 800 dollars and more check engine lights came back on. So we took it to a 3rd mechanic and he basically said he wasn’t going to charge us he said go buy a used or new Toyota. He said it would cost like 3k in repairs and he said we would keep having to get repairs done. So We were in the hole for 4,800 at this point in my opinion could have been used for down payment on a used/ new Toyota. Now a days used cars and new ones are similar in price. You do not know how someone treated the car before you got it. Its a huge risk I rather finance a new car and make an extra principal payment on the vehicle and pay less interest pay the car off sooner than pay money to keep fixing on car that won’t run it hurts more to know you payed someone 1k and your car is still not fix I can sleep good knowing I am paying a note but my car is new and I am taking car of it and not paying for fake repairs.

because debt always equals risk, including getting in the habit of using more debt. pay cash for an inexpensive car, pay yourself a car payment for several months, and move up in car next year.

@@sumobowler3790 - Yeah but an inexpensive car is also a risk of buying someone else's problem. Then it leaves you stranded and you end up paying for the repairs

@@betitos11 spend $100 or so and have a mechanic you trust inspect the car

@@sumobowler3790 - I dont know where you live but where i live shops charge $100 per hour not per repair

@@betitos11 so if you don't have a personal friend who is a mechanic, or a friend of a friend who wants to make some side money, spend $200. the point is there are many ways to avoid going into debt and to avoid mechanical issues when purchasing a vehicle. if you let the seller know you won't buy a vehicle until someone you trusts inspects it, odds are the vehicle will be in good shape when sold to you

Exactly and buying a used car is such a risk honestly but if you have a good mechanic you could get by. My gf before she met me bought a used car. And she kept having some issues she probably put a about 4k into bogus repairs until I introduced her into my mechanic that my family been going to. Our family mechanic said none of the repairs were actually done in the car. So she wasted 4k. I helped her get a work from home job rather hybrid position and we moved back to the midwest for cheaper rent. And her car started to go out and she needed to go in office 1 week out the month. We went to 3 mechanics the first 2 ripped us off we paid 800 dollars and more check engine lights came back on. So we took it to a 3rd mechanic and he basically said he wasn’t going to charge us he said go buy a used or new Toyota. He said it would cost like 3k in repairs and he said we would keep having to get repairs done. So We were in the hole for 4,800 at this point in my opinion could have been used for down payment on a used/ new Toyota. Now a days used cars and new ones are similar in price. You do not know how someone treated the car before you got it. Its a huge risk I rather finance a new car and make an extra principal payment on the vehicle and pay less interest pay the car off sooner than pay money to keep fixing on car that won’t run it hurts more to know you payed someone 1k and your car is still not fix I can sleep good knowing I am paying a note but my car is new and I am taking car of it and not paying for fake repairs. Everyone that I knew in my life who bought a used car lets say they got it for 5k-10k put about 6-8k in repairs. I hate dealing mechanics. I feel the husband why keep playing Russian roulette with used cars. My dad is in the Chicago land area and has always ever bought used cars. He bought 2 used cars 1 a beater for 5k cash and a jetta for for like 9k he put over 9k into the jetta he could got a brand new Toyota with some money down. But he screams he doesn’t want a car payment. Lol

Once you get to the unreliable phase, the trips to the mechanic are like car payments. However if you get a good new car and take care if it, you will get to the 200+ range and after 10+years, you will be able to buy another one. But it can't be done, if you are paying 45k-110k for that new car. @@Michaellove698

@@Michaellove698 so new cars wont need repairs?

what the hell is ? "10 years of triple car payments"

@@taylamayde A brand new Toyota or honda is less likely to break down. Everyone I know with a used car it breaks down and they put a lot of money into