He needed Dave.

I think the Ramsey team needs an automated calculator that the production people in the booth can punch in the numbers from the callers and display the stats and percentages to the hosts. I have seen Dave do the math in his head but maybe the others hosts could benefit from the automated calculator. Those numbers would be displayed on a large monitor visible by the hosts.

Miles doesn't need to feel drowning in debt, he literally is drowning in it because of bad decision after bad decision.

I love it when John steps back when Rachel pulls on his reigns by interrupting his comments.............

I make close to $100k. My home payment including insurance is $1,200 a month. This guy is living is a $500k house making $80k a year. That’s insane.

SELL THE HOUSE AND THE CARS!!! $2300 for 80k gross is crazy. How did he get approved for 400k??? thats insane.

Keep the business and personal separate. Don't mix them.

She said a $2,300 mortgage payment making 80k isn't crazy??? That's absolutely crazy!!!

They dropped the ball on this. There were so many tips they could have provided.

Rachel is way off. This is too much home. You could almost tell she didn't quite comprehend the numbers when she said them out loud There are some calls with a personalities that go well and then there are ones like this where It's hard to listen to as they miss telling this guy to sell his home and that's what he desperately needs to do - unless he sees a very significant income increase in the very near future

Johns genius contribution to this conversation…”so you’re just kinda normal. Just American normal.” Great contribution Deloney. Surprised you didn’t ask him if he was safe.

Love the honesty of the caller

$2300 a month for housing is way over 25% did she do the math wrong lol. 80k/12 is $6666 so his mortgage is more like 35%!

Did they help him in this video? Maybe I missed it

Dave would have said sell the cars get a 2nd job wife included and you're gonna have to live on rice and beans

Weird ad for a Dave Ramsey show. Financing furniture for as little as $8 per month. Great job KZfaq lol

Started selling my body on the corner. Almost debt free

Uhh, Dave was definitely missed on this train wreck of a call

That house payment is definitely well over 25% of his income.

This guy just went and got another loan after this call.. they failed this guy miserably 😂😂😂😂

The number of families who live "too big" is more than you think....

So, please call back and talk with Dave

80k income with a 2300 mortgage. I'm dying inside for him

Does Rachel even pay attention to what the caller is saying? Caller just said how much he makes gross then she immediately asks.. is that take home? I think she just waits to talk. I wish Dave would take his show back.

Anyone else's chest hurt listening to this?

This guy needs a good accountant before anything else.

I agree. The man can recover with discipline.

Go for it Miles! Good luck.

I thought I heard him say that business has slowed significantly ?? ..If so, he's careening towards bankruptcy. Easiest/Quickest solution is to sell everything and just get a regular job...maybe hang on to the business as a side hustle until out of debt.. Also, definitely needs to sell the house and the cars.

$80k isn’t even close to 25% of their income for a 15 year fixed loan. Please remain consistent with your values.

House poor nothing like keeping up with the Joneses smh 🤦🏻‍♂️

What exactly did they say to help him besides something generic and what he already knows? Are they just collecting data at this point?

Boise ID housing hyper-inflated when all the Real Estate investors and Californians swarmed in. Wages have remained stagnant here.

Man I have no debt except my house fully budgeted and I’m still feeling like I’m drowning. But I live in Aus and with how expensive our dam houses are it’s taking 50% of my pay. Was fine before interest rates went up 😅

Just wanted to ask, since this is the most recent video. But are there sources for tracking trends and potentially info that could give me an idea of what to invest in?

Another guy starting a business who answers the “how much did you make question” by just stating his total business revenue. Not. Great.

Where can I find some off your books? I would like to support your work. Love your content 🇺🇲

First! I love your show. Thanks for all you do.

Why do so many people not understand the difference between gross and net income. They should be teaching this stuff at high school instead of gender studies and CRT.

Did she forget the fact that the ratio is based on a 15 year mortgage? Sounds like he's in a 30 year . . .

This is a nightmare for sure. Hope it pays off all this stuff vneal

where is the answer for Miles? just to sell!!! yall just talk but didnt gave him an answer and $80k income is about $1600, i say thats a little above the 25% rule. I live in Boston MA and $1600 cant even get you a space under a bridge, some state are move expensive then others.

This John character is insufferable... he's fidgety, impatient and speaks out of turn... this show is going down hill quickly, dude called with a legitimate concern and basically got ZERO advice.

Need some advice, im on the ball to snowballing my debt on thing im not sure on... car is £9000 left and £260 monthly payment. Just found out my partner has £6000 debt from years ago and the monthly payment is £50. I can pay 5-600 a month to the car and then ill have 7-800 to pay off the £6000 quicker. Should i be paying off the car first? Just seems like the fastest way of doing it

People dont live with in there means..

Rachel is only there because of nepotism, and it shows.

Rachel, I’m a lefty too! 😊

First of all, love the show- especially Dave! Secondly, I noticed that Rachel sometimes misses the ball and it’s surprising with how much she’s been coached over the years. Dr. John is still newer to the money and debt game but no excuse for Rachel. George hits it out of the park and he’s newer as well. Gotta get it together! Y’all didn’t help one bit and rushed this call. Sell stuff? That’s it- c’mon. I’ve been watching your show for over 12 years and even I can do better. At least get the math right. $80k without taxes is ~ $6153 month and his mortgage payment is $2300. That's WELL over 35% of his income. He's DROWNING in debt with that payment. This feedback is meant to be constructive rather than destructive.

What a weird clip. This is the least helpful I’ve ever seen the Ramsey show be. They didn’t even gift him financial peace or some other books that they basically give out to everyone.

Man needs discipline Bought too much for An average wage.

This was a wreck of a call…

Typical American over here. This is normal now

Where's Jade?

His mortgage is almost 40%.

Did I miss the part on how much his wife or partner earns?

Keep up with the joneses

This guy is in a whole world of trouble!

Hi Rachel

I clicked because I thought from the thumbnail that Rachel changed her hair

He needs to sell home and downgrade 😊

Sell the home 🏡 and pay off your debt.maybe rent for a while.

how can you call in

Just… Horrendous, guys… This show will die with Dave unfortunately.

They both have trouble letting the caller talk sometimes. They just talk at each other back and forth. Yes, the caller did call them for advice, but they need the callers too. Their show is literally nothing without the callers. And now that Dave is hardly on the show anymore the show is the same thing and dry everyday.

He can't even afford his house on his income...

Why do you need to howl John - caller has already acknowledged it is a lot.

They don’t give real realistic advice…… talking about selling TV’s

✝️🙏

Send Brandon a Thank you card…

No advice

I love the new do Rachel ❤❤❤

BUY A NEW TRUCK!!!!

These days people grow up learning to take and consume, rather than build and save. Once your mental habits are programmed, you cannot change.

That women is so beautiful

Hehehe lots of poor people in these comments. A $2300 mortgage is nothing.

at least, half of his debt is for a decent (and hopefully long lasting) business. yeah he should've had a business account.

Bret Hart and Eddie Guerrero are the GOATs, sorry.

Sell the dog, the cat and the fleas!

First