The fact that she couldn’t answer where her money is going sounded like the biggest red flag.

"All kinds of mechanics and people" I don't expect everyone to know everything but always try to learn and understand what your repair needs are. This a fast way to get exploited, in service needs and elsewhere

Step one is getting some self confidence and energy.

Dave's first response "Ouch." 😆

I love this vid. Dave really connected w the caller like it was his own daughter!! ❤

Love these videos. Makes my problems seems like a walk in the park.

As a school bus technician at a dealership it costs about 10k to REPLACE the engine in a SCHOOL BUS

As a mechanic I've seen cars wrecking people's finances to the ground.

1800 for 40 hours potentially is wild , find another gig even for kitchen pay that’s rough.

I howled at Ken’s second question 😂 No headsets, today lol!

I agree with Dave about the repair cost . Used engines are a possibility and she needs someone with good knowledge of car repair cost to help her find a honest mechanic

She should look for work as a Kitchen Designer! She's already a pro in the kitchen, knows the commercial side, and interior design plays a major role in kitchen design. The company I work at (not in kitchens) pays a base salary of $32K+ and commissions on the the margins, so entry level kitchen designers already start out around $50K and our better designers make >$100K plus annual bonuses. It tends to be a 40-50 hour a week job. The trick is getting that first job, even if it's a Home Depot or Lowe's or something. They're often looking for a new designer somewhere in the area. Work there for about 3-5 years making $30K to $50K before going out to a smaller better compensating company and build a book of business of parallel industry pros.

$10k repair? For most vehicles, even replacing a whole engine, or a transmission costs a fraction of that. She's either getting completely fleeced or not being honest about her situation.

working ALOT and not making much money.... I think he is talking about 97% of America.

It's rare for people to call who aren't making over $100k.

She has $4,500 saved. If she’s following the baby steps and she owes $1k medical bills and $11k auto loan. How come Dave didn’t tell her to payoff the $1k medical bill and apply $2,500 to her auto loan then all she owes is $8,500 on the auto which she could payoff within 10 months since lives at home with no bills??

I know she's young, but not knowing exactly what's wrong with her car is not good. If I'm supposed to fork over $10k to fix a car, I need someone to walk me through exactly what they are doing, because that's what a full engine swap costs.

In this case, the best option for her is just to consider the car a loss. A sunk cost. Don't get it fixed, just pay down the car loan. In the meantime she can either lease a car, use public transportation, or continue using her parent's car.

This is the reason why Dave says don't finance a car u can't afford

"I need to hear more of a roar in your voice. You sound like you're 16." 🤣 Facts. Gotta work on your self confidence and that starts with your self-talk. Root out negative programming and remind yourself daily- I Am Capable, I Am Resilient, I Am Determined, I Am Enough. When you're grounded and goal oriented, assertiveness will help you more than passivity. Go forth in boldness and relent Not, lest ye be trampled and left for dead!

Good solid advice here - believe in yourself or others will take advantage

She called into a national radio show to announce that she’s committing tax evasion…. And no one challenged her 😮

7:52 " you can get $3-$4k for anything that's running" in other videos he tells people to go buy a $2k cars lol

Car repair adds up fast when you have body work involved. From the conversation, it seems she probably did go to a body shop at one point. If she avoids repairing the aesthetics and follows the advice, she can be in a much better car very soon!

I wish she spoke more about why the insurance can’t help !

Never admit on a popular podcast that you're being paid under the table lol.

This is very common problem these days.

I was lucky to find a car guy in the alley who fixes my car for 1/4 of what a car shop would charge me. She should look into that also.

2-3K for a car is just not realistic right now with the shortage of used cars.

No overhead other than a car payment making $30k a year, how does she not have any money? Doesn't work 40 hours a week, and clueless how to have a car fixed. How to say she's a princess living with her parents without saying she's a princess. Yikes.

Sounds like a nice girl who is self aware enough to know the problem. She also has some savings which is a plus. I think she will turn out okay once she gets her income up.

Dave is correct yet again

Used cars can be a headache. Cars are a rip off, designed not to be repaired easily by the average driver. Repair costs can be substantial to the point where I've heard of people making payments on repairs. This is a greedy world.

😂I love Dave

I also have a a underwater basket, weaving degree 😊

You always make the money first nothing else matters but the money always always always make the money first you spend comfortably no matter what‼️‼️‼️‼️

IRS has entered the chat...

Ken act like some of us have 11k lying around to fix a car while Dave told us to have 1k in emergency funds and tackle the rest of our debt off smh

Really wish Dave has better resources regarding getting jobs and going up in job.

This is the advice I needed when I was her age. 😔

Go bye a 2k, 3k car...that will have a new set of costly issues. Oh boy

My brothers friend did have to work his way up and go to school for it but he makes good money as a #2 chef at a small fine dining restaurant it is hard work though

1:59 😂

She doesn't want to work all the time!

I wish they asked what kind car it is. I bet it’s Hyundai, kia, jeep, Chevy or ford, it can also be one of those Germany cars.

It’s hot back there 😂 Dave has grew on me because I find him so funny now

Dave Ramsey “turns wrenches”… By “turns” he means eats and by “wrenches” he means cake. 😂

I live in Greenville and she can work for well more than $15/ hour @ 40 hours a week - easily. In fact, my company is hiring and our minimum wage is $17/ hour and my team never works fewer than 50 hours a week. Everything over 40 hours is time and a half. That's $935/ week - or $48,620/ year.

10k repair sounds crazy unless its like a mercedes. Dont get those kinds of cars unless you have stacks pf cash because everything just cost 3-4x compared to an average car. If its not one of those cars, something isnt quite adding up.

I kinda felt like Dave was brash because she is so timid, but she definitely needs to up that confidence to speak directly with someone and just being on top of the subject at hand. She sounded painfully shy

So proud of men right now. It is rare to find a young woman who cannot find a simp to fund any obstacle they come across. Young men seem to be getting smarter

Nice new headsets!

City bus pass. For a month is about $50.

Ride a bike, I did for many years even all winter in MN, didn't get my 1st car until 24.

10k to fix a car? Never had anything more than a couple of hundred. Anything over a grand and I'm out, not worth getting it fixed anymore. I'll just get another used car

Engines don’t normally cost 10k installed 4-6 should get one

The car is a Dodge isn’t it?

I want to know more about the car repair. She mentioned mechanics and body shops, but it's not wrecked? There isn't a repair in the world worth 10k or close to it that doesn't involve body damage or a wreck, or an exotic car.

Soux chef not a Chef lady 😂

Get a job at a kitchen design company or a custom cabinet shop. Ask your boss for a referral. No doubt she would be willing to help with your career. You can help her on the side.

Ten grand is way out of line to replace an engine, unless it's a Jaguar or some other high-end vehicle. (She needs to find an honest mechanic!) Engine replacements these days, on the high end for the average vehicle, are around $5k-$6K.

No way it should cost 10 grand to fix a blown engine. Pay a shop to install a used engine for less than half that.

You can get a used junkyard engine for 2-3 grand and get it dropped in for another 2k.

I don't know about this caller.

Did she ever say she didnt have insurance? She did say she owed 11k right? If that's the case why didn't the insurance pay for or total it?

There he goes again telling people to buy a junker car, that will eventually leave her stranded and right back into the same situaution she is in now.

These young people are in a world of hurt.

We've got a meek little 22year old girl at home. Where is her dad guiding her to figure this out? She's "taken it to body shops" and "it has a bad piston or something"... She has no clue. This should be a $3000 repair not $10K. Dad where are you? Even if you're not an expert you probably know a guy.

Dave acts like all employers will work around other jobs. Haha that never happens

How tf does a single woman living at home need $3-4000 a month. She’s spending way too much on bs.

My brakes on my VW was $1300 for a completed brake job and flush. Dang car repair is expensive because of all this inflation like around 30%.

Where is her location? She needs a better income. Wal-Mart pays way more than 1800 for a full time job

Would have been worth asking what the year make and model of car was, makes a big difference how to approach the repairs.

For 15 bucks an hour … you can do just about anything that isn’t your dream job… and do more hours.

Car has a busted piston... Dave the car is NOT running. Needs a new engine. Don't know what kind of car... that is the first question which of course you never asked... shacking my head.

Is there way to sell this car and pay the difference

Everytime she tried to answer a question they asked another question as she’s answering the first one not a single question was answered lol

Umm.. some people are doomed to fail 🤦

Dave..... you didn't ask her what car it is. If it's an Audi or Mercedes.... BMW, Land Rover... so on.... it very well could be 10 grand for a blown engine.

I like her voice 😊

Something don’t even add up I made more than 1800 making 15 at Amazon

$1,500 to $1,800 a month as a chef? She most be working less than $15 an hour or she’s not working too many hours.

Dust off the pogo stick from the attic.

“I work as a cook at a fine dining restaurant and bring home $1800 a month” This pay rate is horrible for fine dining. If she is pulling 40h a week, she makes maybe 12/h and this is why the restaurant industry is filled with people who need 2nd and 3rd jobs. However, this lady needs to figure out where her money is going and find work that makes money.

What do I do in my situation? Dave- have more money.

To much partying

should have shopped at joels auto sales

Too meek and mild. She needs to become a lioness. 🦁

Youth and car wrecked, this is so common.

10k 😳 girl give it back or get a lawyer someone can do something

It makes me so sad when I hear about American health bills. A country that could easily afford a taxed based free healthcare service.

she can stage houses for real estate companies before they sell.

She sounded too timid & shy… but she was on National Radio so was probably quite nervous!

The kid needs to stop with the “umm” and sound off when speaking. Your life won’t change until you take charge of it yourself.

Get 2,3,4 part-time jobs that pay big money. Looks on the job board, McDonalds. What part-time jobs pay big money? I like the idea, but reality is a little different. If anyone finds a link on zip recruiter, I would like to see it.

So she makes 3300 a month 3000 times 12 is 36k. So why does she have 11k car debt?

Not enough information for me on this episode I need to know what kind of car this is but it does sound like the repair shops are trying to take advantage of her with those quotes.

I could do this show with no problem I'll tell everybody all everything and get a new job

Her parents should get her a car

You owe your parents $11K on a car that doesn't run?? Crazy.