I Owe $18,000 On a Car With a 26% Interest Rate!
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Күн бұрынI Owe $18,000 On a Car With a 26% Interest Rate!
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@richgenix 3 жыл бұрын
I remember when I was 18 I tried to get a car and they told me 31% intrest and my friends were telling me to do it! And I was about to but I had to think about it and that’s when I realized they weren’t really my friends! I was almost purchased the car under peer pressured and would’ve messed up my financial life
@howlbeast 3 жыл бұрын
Glad you were Headstrong n you saved yourself an headache
@richgenix 3 жыл бұрын
HowlBeast ,, it’s crazy how I actually thought of it and now I have a car financed at 2.4% at 19 years old! Crazy right?
@howlbeast 3 жыл бұрын
@@richgenix dang kid hope you get out of it and follow Dave Ramsey plan
@richgenix 3 жыл бұрын
HowlBeast , i got a 10k car financed it and 2.4% paying little over 300 in Total! I think it’s a good deal
@Wesley-rn7oc 3 жыл бұрын
umm.. you just drew the conclusion that they weren't really your friends?!? You didn't think that maybe they were as naïve, if not more naïve, than you? Friends give bad advice too.
@redcomic619 3 жыл бұрын
Sometimes you make so many poor decisions, Dave is basically speechless.
@autistic-lutheran-carnivore 3 жыл бұрын
I am glad he doesn't laugh and I believe Dave has a reminder of his own stupid w/ zeros at the end to keep him humble. Maybe he framed the the (financial) notes that were called on him in his 20s that caused him to lose everything he had.
@esonon5210 3 жыл бұрын
They may be scheisters but not idiots. They knew she wouldn't be able to pay the note but got a bonus on her down payment and would be able to repossess the car to sell it again.
@cripplermaximus 3 жыл бұрын
Sadly, you are 100% right. They got an endless supply of desperate people, too...
@stevenm732 3 жыл бұрын
Exactly
@o0OLionHeartO0o 3 жыл бұрын
Business as usual
@zunedog31 3 жыл бұрын
They set that interest rate because her likelihood of repaying it was lower than most. They were correct and now she can't pay. 100% her responsibility.
@esonon5210 3 жыл бұрын
@@zunedog31 agreed. She was stupid for getting too expensive of a car but I wouldn’t be surprised if the dealership encouraged her to get it.
@jeanlenor1858 3 жыл бұрын
This is the kind of America that we live in. The "I gotta have it crowd".
@raymondcunanan5016 3 жыл бұрын
Spot on!
@AO-nr7kl 3 жыл бұрын
Also the 'I gotta sell it' crowd.
@JakeLesser 3 жыл бұрын
"I gotta have it *NOW* crowd".
@howlbeast 3 жыл бұрын
26% jeez .. I rather be a simpleton in my own lane w/ lil money than to be a stunning wheeling in liability
@triad6425 3 жыл бұрын
Rent a center exists for a reason
@JogBird 3 жыл бұрын
she could have bought a decent $5k used car
@howlbeast 3 жыл бұрын
I know right
@darlenepaul2934 3 жыл бұрын
That would've made too much sense!
@bluejay6229 3 жыл бұрын
I was thinking the same thing lol
@aolvaar8792 3 жыл бұрын
My bro in law just sold his Toyota corolla w/438K miles for $1000.
@hastycontemplation 3 жыл бұрын
@@aolvaar8792 Wow how did he know it was 438k? My 2004 stopped counting at 300k.
@untouchable360x 3 жыл бұрын
Lots of red flags. 21 year old unmarried and pregnant. Bought a car she couldn't afford.. Low income.
@ianrobinson476 3 жыл бұрын
AKA 25% of America.
@redcomic619 3 жыл бұрын
Boyfriend with zero debt going to EMT school who PROBABLY won’t stick around...
@howlbeast 3 жыл бұрын
I used to work in a dealership years back as a collections advisor .. the amount of kids buying Audi’s, Benz at a young age alongside their dad n in finance. I was stunned I really wanted to pull the dad n say WHY LET HER BE IN DEBT FOR A VERY LONG TIME. I just collected card payments n transfers .. plus desk had mics n camera
@redcomic619 3 жыл бұрын
HowlBeast Dealerships are some of the biggest crooks around.
@NumberONEdazaiosamudazaihater 3 жыл бұрын
The father is chad or Tyrone
@Nixonskitchen 3 жыл бұрын
Sad. This young lady probably has no role models. She doesn’t understand what’s possible. Making 25k not married with a baby and in debt is not living.
@mjbadboy14 3 жыл бұрын
I'll tell you where she went wrong. She wanted everything at once. A baby, car, house, boyfriend,...basically everything.
@Musicienne-DAB1995 2 жыл бұрын
@@mjbadboy14 Spot on. No concept of delayed gratification.
@brianafranklin8164 3 жыл бұрын
The car people are not “idiots” they’re leeches. They’re not hurting for her ridiculous interest rate.
@SK-gi8dj 3 жыл бұрын
They’re idiots too because she’s at such a high risk of default
@rickvangils100 3 жыл бұрын
@@SK-gi8dj at 20%+ interest rate, her default risk is well covered.
@blackworldtraveler3711 3 жыл бұрын
@@SK-gi8dj They’re not idiots and know exactly what they are doing.
@TheLordBeast 3 жыл бұрын
They’re a bunch of crooks taking advantage of a young lady. She made a mistake but it’s ridiculous that they approved that loan.
@JeanValjean875 2 жыл бұрын
I mean, at a broader level if enough people default on their loans that's what causes things like the 2008 crash. It's majorly irresponsible to approve someone for more debt than they can afford.
@bookishnatural 3 жыл бұрын
Dave Ramsey was literally at a loss for words. 😩
@kidgoku2206 3 жыл бұрын
😂🤣 Fr
@sarahali3367 3 жыл бұрын
And that is extremely rare for him. EXTREMELY
@edwinl423 3 жыл бұрын
He fears that if he find words he would become her Father.
@JoMama123451234 3 жыл бұрын
The whole time hes thinking why did you decide to have a baby making minimum wage jobs!
@nicole4779 3 жыл бұрын
I feel like they usually screen these types of calls out
@jellyrcw12 3 жыл бұрын
I saw the title and went "yeesh!"
@The4P_ 3 жыл бұрын
Same
@TechWithJayMcCall 3 жыл бұрын
When I saw the title! 👀
@bobrobertson169 3 жыл бұрын
What do you mean
@dayinthegrind688 3 жыл бұрын
When I also heard “I’m pregnant” oof
@mathieugillet 3 жыл бұрын
My eye started twitching
@612osiris 3 жыл бұрын
I didn't even know interest rates could go this high. If your interest rate is double digits, big red flag.
@bigchills7194 3 жыл бұрын
21% is max in Massachusetts. It’s state law. Not sure of others
@TheButtry21 3 жыл бұрын
I was thinking the same! Is this a buy here finance here kinda place? Its robbery!
@literallynoone2093 3 жыл бұрын
Dave: My disappointment is immeasurable and my day is ruined.
@franco521 3 жыл бұрын
🍗
@ManuelLopez-ev7ud 3 жыл бұрын
Review brah???
@tmusa2002 2 жыл бұрын
Love Brah!!!
@DrogoBaggins987 3 жыл бұрын
Terrible situation with the car and it turns out that's the smallest problem she's got.
@collectionofcells8656 3 жыл бұрын
She got the hood interest rate
@MrTmenzo 3 жыл бұрын
Lol
@erickn7985 3 жыл бұрын
You ain't wrong bro😂😂
@TechWithJayMcCall 3 жыл бұрын
😂 😂 it’s funny because it’s true!!
@mr.boostang2064 3 жыл бұрын
Facts, I moved out the hood a year ago and 18% APR on Altimas and Chargers was the most common thing ever
@stormb28 3 жыл бұрын
For real. Nissan will qualify anyone.
@micahparks5115 3 жыл бұрын
EMT school is only a semester long. Just finish the EMT school and continue to work at the grocery store.
@chrisreynolds6391 3 жыл бұрын
Honestly with a baby coming EMTs only make $15/hr. Daycare is so expensive.
@mph5896 3 жыл бұрын
@@chrisreynolds6391 Depends nowhere you are at. MY area EMT's are not making that much.
@Moli37 3 жыл бұрын
@@mph5896 even in Cali EMTs only make $15-16 an hour.
@Mafiaman677 3 жыл бұрын
Unless you go to Private service, you're not going to make much as an EMT. He's looking at making $30k - 38k at best.
@bigchills7194 3 жыл бұрын
@@chrisreynolds6391 still better than a grocery store
@matthewbarry2079 3 жыл бұрын
I thought my 4-6 percent interest rate was bad... good grief!
@JH-ot5mn 3 жыл бұрын
@Rachel Sheldon lol, it's utterly awful for a depreciating asset.
@truthteller5521 3 жыл бұрын
@J Nowhere near as bad as 26%, not even close. OP is admitting her 4-6% is bad, just not as bad as the caller. Context is key. 🔑
@bobbydouglas16 3 жыл бұрын
Same
@aolvaar8792 3 жыл бұрын
@@JH-ot5mn So what if the car is worth $0, a minute after you buy it. Drive it for 50-60 years, My 1972 chevy truck is on its third engine. and its an appreciating asset.
@KnockoutInvesting 3 жыл бұрын
That's high lol. You need 1-2%
@806texan 3 жыл бұрын
I make 75k a year and just paid 16k cash for a car and that seemed like way too much to pay for a car
@VoiceOfReason919 Жыл бұрын
you should take the bus are you mad
@KeatonDee Жыл бұрын
It is too much still.
@BrandonTurpin83 3 жыл бұрын
I wish we would see more follow ups with some of these callers 6mos - a year later to see how things turned out.
@jeffreywhitaker5154 3 жыл бұрын
YESS! EXACTLY WHAT IVE BEEN SUGGESTING!!!!!!!!!!!!!!!!!!!
@yolandaking4583 3 жыл бұрын
I totally agree with you Brandon to see who actually followed the advice given and the productivity the have made.
@bigchills7194 3 жыл бұрын
Or even better get both sides of the story for a COMPLETE picture. Dave dogs on the BF without having any insight to his story
@jeffreywhitaker5154 3 жыл бұрын
@@bigchills7194 true.
@Tunechi65 Жыл бұрын
@@bigchills7194 it's how it is when it comes to men and women. Women are treated like puppies with no brain and ability to work. It's so insulting
@jaysmith6013 3 жыл бұрын
My God this girl is the poster child for stereotypical bad decisions.
@Musicienne-DAB1995 2 жыл бұрын
Stereotypes often are based on the truth.
@jazzyj6640 2 жыл бұрын
Aww, how is that? Just because of the car?
@bignigga1416 2 жыл бұрын
and dave expects the man to pay off her debts lol
@anthonydavis3424 Жыл бұрын
Birth control only hope
@NirvanaFreak0872 3 жыл бұрын
Her: I did a stupid thing. Dave: Your boyfriend needs to man up!
@bignigga1416 2 жыл бұрын
exactly, blaming the bf for her decisions
@Dailyfiver 2 жыл бұрын
Well uuuuuuuuh, that guy DID get her PREGNANT and now her problems are his problems.
@bbkyjohnson Жыл бұрын
Unfortunately the small amount of child support she would get in my opinion would not help her get out of this. Doesn’t sound to me like he’s all that invested in her. I hope I’m wrong but if he was he’d be helping her with the payment already!!
@crackthecode1578 3 жыл бұрын
I think previously the highest interest rate for a car on the Dave Ramsey show was 25%- congrats, you broke the record!
@ajh.4131 3 жыл бұрын
@Dave Kop you don’t understand sarcasm, do you? 😂
@hastycontemplation 3 жыл бұрын
Shouldn't this be considered usury?
@crackthecode1578 3 жыл бұрын
@@hastycontemplation you'd think, he also had an elderly lady call in about a personal loan with an 80% interest rate
@JM.TheComposer 3 жыл бұрын
This is probably one of those cars with a GPS-enabled black box that can remotely disable the car from starting if the person misses a car payment.
@tjandcj123 3 жыл бұрын
You know it. Straight up hood loan.
@chasityeverett3668 3 жыл бұрын
Every parent that has a daughter just CRINGED listening to this...
@ShadowKiller71 3 жыл бұрын
Every person whose not a financial idiot cringed
@chasityeverett3668 3 жыл бұрын
@@ShadowKiller71 ...😂😂
@MilkPudding 3 жыл бұрын
@@ShadowKiller71 I think the cringe mainly comes from being pregnant so young without even married to the boyfriend and both are already struggling without this car issue.
@MillionaireMindsetClub 3 жыл бұрын
26%... god give me strength
@BrownBrown270 3 жыл бұрын
What do these people think?
@jessitabonita 3 жыл бұрын
Yes!!! I love when Dave gets right to it and is extra serious with every “freaking” used. More people need that straight-shooter who speaks truth.
@lexithompson7426 3 жыл бұрын
Nice comment .... Where are you from ?
@timdenny1991 2 жыл бұрын
Dave's "tough love" speech! 😀
@timmy46975 3 жыл бұрын
It's one of those calls where all of the air leaves the room multiple times.
@BrendanEvan 3 жыл бұрын
Those auto loan rates are borderline criminal
@appleforever6664 3 жыл бұрын
Why? This is America! She messed up!
@thebearishbull2652 3 жыл бұрын
Very sad call 😔..
@silverltc2729 3 жыл бұрын
I like how Dave blames the guy for the car 😂
@colin1818 3 жыл бұрын
He blamed her too. "You were desperate for a car and just signed whatever they put in front of you."
@meymay11 3 жыл бұрын
Bc Dave believes men should take care of their families especially if a baby is coming.
@MysticBoltz 3 жыл бұрын
Dave is pretty respectful to his callers when he knows they are going through a hard time. They’re asking for help and he’s there to provide a word of advice
@z040880 3 жыл бұрын
That's Dave for you! Doesnt matter..blame the man. lol
@RTS_2008 3 жыл бұрын
The KZfaq commenters are pretty notorious for calling Dave a Simp. I’m not gonna lie, but I do tend to agree with that statement sometimes.
@tomdrummy4984 3 жыл бұрын
Sad, but she is proving the previous video on statistics. Hopefully they make it and get past it. Agree with Dave.....if you’re man enough to make a baby, you need to start providing quickly.
@DisabilityExams 3 жыл бұрын
Bingo
@Beatyofeet32 3 жыл бұрын
And if you're woman enough to make a baby?
@bigchills7194 3 жыл бұрын
Takes two to tango... ya know ... women’s rights and women’s lib ? They don’t want a “man” anymore
@yashpatel3123 3 жыл бұрын
$1500 car is a bad choice. Most of the time people sell cars for that cheap is because it has all kinda of issues. You will end up paying hundreds of dollars in keeping it running.
@yoyo-ko4fh 3 жыл бұрын
*thousands*
@TechWithJayMcCall 3 жыл бұрын
Dave when he hears the interest rate “You got messed over didn’t you?”
@newtonraymond77 3 жыл бұрын
Yep because the word that fits is too hot for TV
@TechWithJayMcCall 3 жыл бұрын
😂 true!!
@JakeLesser 3 жыл бұрын
It's really interesting to see the clash in generational thinking. Dave insists upon marriage, whereas to the 21 year old, that isn't even a thought in her mind. Despite being pregnant and living with a man.
@labornurse 3 жыл бұрын
You get more welfare unmarried...
@adriancastillo5812 3 жыл бұрын
It’s because marriage is outdated being legally bonded to each other probably had a lot of bad experiences of seeing other married couples but she really made bad choices and marriage will no fix any of this
@brkfst4dnr 3 жыл бұрын
Dave's vision of her at 31 didn't include a bitter divorce, but that's what he sentanced that family to.
@AK-pz7om 3 жыл бұрын
Makes you wonder
@genxx2724 3 жыл бұрын
As a taxpayer, I don’t feel like supporting her kid. I’m single, I wanted kids, but I didn’t have them because I didn’t marry and couldn’t afford to do it on my own. I have to drag myself work every day to earn my living and pay a ton in tax. I’m tired and I don’t think I should have to pay for other peoples’ kids.
@folives4741 3 жыл бұрын
After listening to Dave for over two years I can say that this is a really bad situation. Usually Dave gives a plan to follow and what to do afterwards.
@MariaMaria-by6ff 3 жыл бұрын
I got the vibes that even though the bf is there, he isn’t exactly “in the picture”. He kindOf just doing his own thing. Dave had to drag the boyfriend factor out of her. I hope he is really trying to walk down this path with her and that she gets out of this mess. 😕
@As_A________Commenter 3 жыл бұрын
He works full time, takes classes towards a better job, and has no debt. She is buying things she can’t afford by financing at terrible rates. What makes him the loser in this scenario?
@bigchills7194 3 жыл бұрын
@@As_A________Commenter you're exactly right here but this is just Dave's preconceived perceptions very anti-male lately as he's gotten older
@JesusCervantes-vl4mb 3 жыл бұрын
The car company knew since day one that she couldn’t pay for it. They made a profit and they will keep the car
@Wellington205i 3 жыл бұрын
Nobody forced her to sign the contract on the loan. Every company is for profit. 🤷♂️
@peters.6343 3 жыл бұрын
@@Wellington205i that's not profit, it's theft!!
@hastycontemplation 3 жыл бұрын
usury?
@JesusCervantes-vl4mb 3 жыл бұрын
@@Wellington205i exactly!!
@danclapper626 3 жыл бұрын
Crazy people do this. Get established before trying to have a family.
@Bushidough 3 жыл бұрын
I feel her pain. When I was her age I did the exact same thing, but it was a 18k loan and 21 percent interest. Will never do that again. Good luck to her.
@Addison737 2 жыл бұрын
I just financed my first car (brand new, ordered) almost a year ago at 23 years old. I got a 72 month loan at 3.9% interest (they offered the 60 month loan at 2.9% but I chose the longer loan for lower payments despite the interest) and I thought that interest was high. I can’t even fathom paying double digit interest on an auto loan.
@legendstrength 2 жыл бұрын
An easy realization would be, 3.9% on 20k is about $2 a day in interest, a 25% on 20k is about $15 a day in interest. $60/month vs $450/month it’s insane
@cruciferousvegetable 3 жыл бұрын
Get an adult trike with a basket, eat beans n rice and learn to code.
@garrettstevensen2467 3 жыл бұрын
Agreed 100% with this.^
@tonyspicer6691 3 жыл бұрын
Just telling them to get married? great advice, and the kids got no debt but he's already an absent father apparently for working full time and going to school to make MORE money. "I don't know if it's the right time for that" as if his EMT school is some kind of self gratifying indulgence, it's literally how he is going to support his family eventually.
@Kysen10 3 жыл бұрын
eventually doesn't mean much when the kid is due in a few months and she has a huge loan right now.
@dimoniebermudez4388 3 жыл бұрын
@@Kysen10 ultimately the debt is on her and not the father. From what i hear the father is doing whatever he needs to do to survive.
@dimoniebermudez4388 3 жыл бұрын
And provide for his family
@srdjr6760 2 жыл бұрын
Unless she has a friend or family member that is willing to do her a solid, she isn't going to find a car for $1500 that isn't going to continually drain money from her pocket. She should refinance the loan.
@leeannvan1422 Жыл бұрын
That’s what I was thinking. My parents bought my sister a car for $5k and had to do about $11k in repairs on it. Dave was thinking back to when he was younger
@robertspeaks8736 3 жыл бұрын
WOAH, you know its badddd when Dave asks “can your family help you with that [$4k loan]?”
@jamesrichey2434 3 жыл бұрын
In the guys defense, because we don't hear from him at all, maybe he has wanted to tie the knot, and she was the one who didn't? Jumping to conclusions is never a good idea without more knowledge.
@howlbeast 3 жыл бұрын
Doubt it, there’s a more chance of him bailing with the talk of marriage n quit school esp if he’s ambitious
@jeffreywhitaker5154 3 жыл бұрын
True....but you kow that this is what we don on SM lol. It makes us feel better about ourselves.
@ab6551 3 жыл бұрын
He sounds selfish low key...he needs to take care of his kid.
@j.asmrgaming1228 3 жыл бұрын
@@ab6551 where does the selfishness come in? I listened back to it again and we hear very little about him but what is said is they aren't married (no idea why), he is in EMT school, and he is working at a grocery store (no idea how many hours), and also no debt. even if we assume that he isn't working 40 hours a week I don't hear anything that says selfishness. as you say he needs to take care of his kid he is going to school so that he can make more money, he is working while he goes to school to provide and he has at least had the financial literacy to not bring debt into the relationship. I might be missing something and there is a lot we don't know, but I would love to hear your thoughts on where the selfishness is in what they said.
@bigchills7194 3 жыл бұрын
@@j.asmrgaming1228 hey my friend don't you know it's popular to be anti-male nowadays
@fivefivesix-sevensixtwo4114 2 жыл бұрын
I've seen a lot of people buy cars they can't afford either because they want to look wealthy driving a newer car or because they don't understand the cost of keeping that car. I've been an automotive technician for years and I daily drive a 92 Acura Integra for a reason. I saw a guy drop off a V12 Mercedes Benz at the shop I used to work at and he never picked up the car because he didn't have the money to pay for the services performed.
@MrOccyc 2 жыл бұрын
A lot of people are so concerned about what they look like in the eyes of strangers.
@pasdro7777 Жыл бұрын
Get married? Tf he on🤣 “you got a finance problem? Get married “😂💩
@ftrucker8753 3 жыл бұрын
She bought the car at a buy here, pay here place 😳 She gonna struggle for a long time in the situation she’s in.
@cathyosullivan718 3 жыл бұрын
Dave is such a traditional and good man!
@lexithompson7426 3 жыл бұрын
Nice comment .... Where are you from ?
@NAJMFAN 3 жыл бұрын
This is really sad! I feel bad for the baby she’s gonna have.
@dieudonnevilsaint6725 3 жыл бұрын
It's really not that bad of a situation. All depends on the maturity, work ethic and ambition of the father. I hope he's a responsible man.
@dieudonnevilsaint6725 3 жыл бұрын
@@saulgoodman2018 Why.... what?
@schawnettarobinson8584 3 жыл бұрын
She has a lot of problems especially in the foreseen future. It is sad.
@HypeMaster1000 3 жыл бұрын
@@saulgoodman2018 because the girl made lots of poor choices
@0neofthem 3 жыл бұрын
Love the calls where the car or student loans are close to or exceed the callers annual income.
@spartacus3015 3 жыл бұрын
Grocery store wont pay bills. He needs a better job no natter if in school or not. Get out from under car, share a car if possible.
@spartacus3015 3 жыл бұрын
@@saulgoodman2018 yes but needs job(s) that pays bills in the mean time too.
@spartacus3015 3 жыл бұрын
@@saulgoodman2018 this is a false belief. Many i know can make over 40k without. I'm not against educating & learning skills. But work ethic will ultimately determine what you really make & really bring home at the end of the day. So yes, i'm glad he's trying to better circumstances for the future. But that doesnt pay present bills. And he has a little one on the way. It'd benefit all three for him to improve job now & not wait til child is already born. So a better paying job now til emt position is able to be taken up would be wise. Even if it's $2 more/hr is still more than he's able to bring home now. Not sure why some1 would be against that. ?
@spartacus3015 3 жыл бұрын
@@saulgoodman2018 who said he cant do both?
@victorpadilla6964 3 жыл бұрын
Dave’s solution: Marry your boyfriend so he has to pay off your debt.
@ethanbasham4288 3 жыл бұрын
Dave's solution: Grow up and start making adult decisions for yourself and more importantly your child.
@Higheyequez 3 жыл бұрын
I have a problem with Dave putting the onus solely on the man. Is she not an adult? Is she not engaging in adult activity? Is she at all responsible for her bad decisions? I mean gimme a break. This ain't 1950s anymore.
@rashffee 3 жыл бұрын
But she is carrying the man’s child. I am sure the boyfriend is benefiting from the car that she bought. They are living together, so they ate sharing bills. She is struggling and it will get worse because she is pregnant. She will eventually have to stop working for a bit to tend to the child. How is she partnered with a man but struggling as if she is pregnant by a random guy she doesn’t remember that’s isn’t around.
@ethannaka1822 3 жыл бұрын
holy train wreck...... man i'm so happy this isn't me. I hope she can pull it through, gonna be a tough road.
@mph5896 3 жыл бұрын
I walked through a repo auction yard yesterday. Every single one of the cars were beat down, high mileage, toilets. Interiors were filthy, body dented/dinged, damaged. Mechanically broken in many ways. The people who financed them put themselves in that position (there are a few exceptions) to get their cars repoed.
@rockytheafg 3 жыл бұрын
I Drive the same Rusty Honda Civic for nearly 10 years. It wasnt Rusty when i bought it but it is now. Still a decent car and it does the job. People don't understand that the purpose of a car is to take you from one point to another, not to show off. I invest 15% of my salary into my portfolio.
@rockytheafg 3 жыл бұрын
@@Runco990 Yep, you know it. The moment you leave the car dealearship, it looses value.
@erwina4738 3 жыл бұрын
Not eveyone sees the purpose of a car to go from A to B. Some people actually enjoy driving. And others, unfortunately for them, get a car to show off.
@rockytheafg 3 жыл бұрын
@@erwina4738 If you have to money to Buy a good car, well good for you. The problem is most people go in debt to Buy one.
@Bestfriend-650 3 жыл бұрын
I would say, lady you are still young listening to Dave and ready to turn things around and good news is you have whole life ahead of you to make it right. I used to drive a used 4.5k kia when I started working. Water used to leak from windows when it rained and my colleagues called it water mobile. Things are much better now but I do remember those days 😊
@TheVoiceTalk 3 жыл бұрын
It comes off like she doesn't want to marry this guy. Which I could understand but then you shouldn't have had a kid with him eather lol.
@random-nz7dy 3 жыл бұрын
That's exactly what I was thinking. And this is exactly why playing house is a bad idea. It leads to be situations and then inevitably the relationship fail and now you have to spend your time in custody disagreements. It's just generally a path to things that are not good at all.
@loserplanet 3 жыл бұрын
"EMT school" is about ONE semester. He should be about done.
@backoff3477 3 жыл бұрын
I always say join the military. I join when I was 25 y/o and don't regret it one bit. family is taken care of and make decent money. not rich now but will be when I retire. thanks you Mr. Ramsey.
@infidelheretic923 3 жыл бұрын
“Take the bit in his mouth.” A perfect metaphor for men getting married.
@SilentPlayer1999 3 жыл бұрын
Im sorry Dave but them getting married is not gonna fix anything.
@shiniquayakaachmiff6898 3 жыл бұрын
Correct. But getting on the same page with her other partner, who also has an income and is not pregnant, is the best chance she has, and marriage may be the impetus he needs to start treating the caller and her child as his family and his responsibility.
@chookchack 3 жыл бұрын
Its based on dave’s principle of dont join finances if not married. And he held the bf responsible for the family since they are having a baby soon. If the guy is not into it then whats the point of living together. Thats dave’s principle if you watch lots of his episode.
@ps-yk8su 3 жыл бұрын
This is Philip McGraw advice
@polyglotsjourney 3 жыл бұрын
"The car needs to go. Bye bye!" Simple as that.
@specteranderson 3 жыл бұрын
1500 will buy you a car that you will be constantly repairing
@miketheyunggod2534 2 жыл бұрын
Married by Friday? 😆. He gone. 😆🤣.
@teresaboykin4861 3 жыл бұрын
Love how Dave tell it like it is. Period
@newtonraymond77 3 жыл бұрын
With a $1500 car she can do deliveries for auto stores or Uber eats. You don't need a nice car for that
@adriancastillo5812 3 жыл бұрын
I think driving for Uber you need a nicer vehicle but there’s DoorDash and post mates she can double dip and she can get exercise from walking up the porches for the baby but once her feet become swollen it’s going to be a pain for her
@logdon17 3 жыл бұрын
Time for the reality check on this caller. You and the baby daddy are in no position financially or mentally to raise a child. Give the kid up for adoption and get your life in order first. No reason to bring a kid into your disaster of a situation. From the sound of it the are many years away from a stable life on their own.
@genxx2724 3 жыл бұрын
Sad but true. I can’t imagine giving my flesh and blood away, but they should have been more responsible.
@metaltera86 Жыл бұрын
One of very few videos where Dave didn’t know what to say and asked the Ramsey personality to help him out lol
@KevinGonzalez-vz7rz 3 жыл бұрын
Once again…You can’t fix stupid. Here’s Exhibit A… Let’s not also forget that she’s only 21, pregnant and unmarried with a boyfriend who also doesn’t have his priorities in order. Of course, all of us will be paying for this irresponsible mess with our taxes. Only in ‘Murica….
@jimroscovius 3 жыл бұрын
Dave's advice is right on!!
@stevoh5006 3 жыл бұрын
Bought cash cars only from 18-27 years old . Best financial decision to start my adulthood
@hastycontemplation 3 жыл бұрын
I call that the million dollar car, it will help you become a millionaire by not having a car payment so you can instead invest that money. I have a million dollar car.
@armchaireconomist8648 3 жыл бұрын
Papa Dave advising a young mom to drive her baby around in a hooptie. Solid Advise.
@richgenix 3 жыл бұрын
How does she even get that high intrest
@ajh.4131 3 жыл бұрын
Predatory businesses that thrive on financially illiterate people. Simple as that.
@superblump87 3 жыл бұрын
She could have gotten a better rate, but that's the rate that was put in front of her and she signed...
@ominous450 3 жыл бұрын
She got scammed
@richgenix 3 жыл бұрын
@@ominous450 it’s robbery man
@ahmadsamadzai8255 3 жыл бұрын
My daily dose of motivation. At 65.7% progress as of today. Expect to be done by xmas. I can hardly contain myself. Thank you Dave.
@ps-yk8su 3 жыл бұрын
I bet they kept the car. He stayed in school. Now they still owe the car but it is reliable and they're not giving it up.
@skunkycatog 3 жыл бұрын
I hear onlyfans is paying
@offerskirksey2255 3 жыл бұрын
She would probably make more money than she's ever touched in life too
@ThePooppantsman 3 жыл бұрын
If that was the case then only fans would be nothing but black 20 years old for people with knocked up fetish
@kidgoku2206 3 жыл бұрын
Fr
@ps-yk8su 3 жыл бұрын
Jesus is watching
@seeyeah5172 3 жыл бұрын
I love Papa Dave!
@WQQKIE 3 жыл бұрын
I pray to God my daughter will never have to go through this, I have been broke and I know what it’s like.
@oscartristan7173 3 жыл бұрын
This is why my first car was only 4000 dls. I was 18 yo at the time.
@LuckyLewis 3 жыл бұрын
Glad she's taking these lumps early in life. She's going to be ok.
@MP-nj1qy 3 жыл бұрын
"Get married by Friday" 🤣😂 I'll use that line on my next boyfriend.
@misterE-1989 3 жыл бұрын
This was by far the saddest segment I've ever seen on The Dave Ramsey show. Sad that she is so foolish and sad that somebody would do that to a young naïve pregnant girl. Just sad all around.
@rachelgooden9981 3 жыл бұрын
She said ‘vee-hi-cle ‘ like Dave Ramsey
@greencase 3 жыл бұрын
He only hires those that do.
@Aimeesund 3 жыл бұрын
Is there any other way to pronounce it?
@552mustang 3 жыл бұрын
Curious, how else do you say that?
@ajh.4131 3 жыл бұрын
@@Aimeesund I pronounce it without the emphasis of the “h”. For me, it’s just vee-i-cle.
@audibleadventures9004 3 жыл бұрын
@@ajh.4131 like the rest of the English speaking world
@warikplaya 3 жыл бұрын
Recommending a 1500 car is a weird proposition for someone with no money. Where would they get money from to pay for repairs? What would they do when the car is sitting in the shop? Pay for uber to go to work? I think one would be better off buying a car for 5k, even if that means financing the other 3.5k.
@JillSullivan 3 жыл бұрын
two words.. Birth Control
@dagobaker 3 жыл бұрын
schools dont teach birth control or finance... both are killing her right now
@JillSullivan 3 жыл бұрын
@@dagobaker I could not agree more!
@teamtakeover7317 3 жыл бұрын
I can't say that getting married is the right answer. Having a child with someone doesn't mean that you should get married. I understand the benefits of marriage etc etc but I can't agree that getting married because of a child is the right thing either
@adriancastillo5812 3 жыл бұрын
It’s not a lot of children from married families have a twisted concept of love because when couples are forced to stay together because they have to it screws up a child father being unmarried if they’re unhappy they can leave and if they’re grown up enough won’t take it out on the child and focus on them and themselves
@chYnaRIP 3 жыл бұрын
I'm sorry, but this is where Dave is out of touch. Marriage is not what it was 30 years ago. These are young kids that made poor decisions. I'd bet money they're in puppy love, and at each others throats at the same time.
@mmp495 Жыл бұрын
My heart goes out to her. Some tough lessons😞
@G1OCK22 3 жыл бұрын
Not to mention EMT's also don't make much more than grocery workers...
@lexithompson7426 3 жыл бұрын
Nice comment .... Where are you from ?
@harknowhere 3 жыл бұрын
Not where I live in, in New York, they make the same
@NipFungoli 3 жыл бұрын
Would be cool if he explained the downward trend of a car's value VS the upward trend of your total payments with a compoundin high interest rate . Helps you visualize the swath or gap you create, most cars are money pits
@rottenejl1 3 жыл бұрын
$500 says she keeps that car
@maxelusbawark5545 3 жыл бұрын
I’m 19. I nearly went and bought a 15k car. Thankfully tho out of nowhere I just decided to buy a car for $2000 it’s not the best but having that freedom of not paying anything at the end of the month is the best feeling ever. It’s made me vow to only buy a car in cash or if I’m financing I’ll put 95% of the cash as down payment. Mortgage is headache and I wouldn’t want car payments to add on that.
@DanielA-lp7sw 3 жыл бұрын
Dave is such a good guy.
@kattbrown4228 3 жыл бұрын
My husband put his school on pause to get another job to pay off this car!! That guy needs to grow up and do the same!!
@bigchills7194 3 жыл бұрын
Not his car ... hers and with no plans for her to marry sooooo
@TalyaT922 3 жыл бұрын
When Dave says, "I'm going to tell you what I'm really thinking....", we know it's about to get real REAL up in there.
@wewhoareabouttodiesaluteyo9303 3 жыл бұрын
She is a Hispanic and this happens all the time. She probably misunderstood what the dealership was offering her because the salesman knew American English and she cannot comprehend English fully. :'( Sad state of affairs. This gal should sue!
@jeffwvu4602 3 жыл бұрын
Really? She's speaking great English and has no problem understanding Dave and Christy...but she should sue a car lot for giving her a contract she agreed to.....because the salesman knew "American English?" COME ON MAN.
@ajh.4131 3 жыл бұрын
How did we come to the conclusion that she’s Hispanic? Did I miss something? Her English sounds fluent to me. No matter what ethnicity she is, people make dumb financial decisions every day.
@wewhoareabouttodiesaluteyo9303 3 жыл бұрын
@@ajh.4131 Oh you would know. I grew up in CA and she is definitely Hispanic and judging by the age she was impregnated at and the pauses... It is something you recognize if you have been around them for a while.
@viewtube9666 3 жыл бұрын
Playing house LOLLL but crazy situation. Most people have this type of loan. It's unfortunate
@thelastword4616 3 жыл бұрын
A lot of people do, but not most, not even close.
@MasterInHD 3 жыл бұрын
This is what happens when kids have kids. No 21 year old should be having a child in this day and age. Especially, not one that makes decisions like a 26% interest rate on a car note. Gimme a break. Also, that boyfriend doesn't care because he's too young to care for it. She's simply another girl for him at the moment. The same goes for her. That's why she didn't even mention him until Dave asked. I wouldn't be surprised if they break up in a couple of months. What a mess!
@pcer9973 3 жыл бұрын
Preach! 110% agree
@shawmeck9323 3 жыл бұрын
I have to disagree with Dave on this one. This is not his problem, he needs to get his education asap to better his position. If he has to pay child support, well it would be pennies on the dollar from his minimum wage.
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