I’m hardly ever shocked, this one did it. Wow, my man needs a new job.

Something about this kid sounds so genuine and down to earth. I hope he finds a better opportunity.

I lost it when he said that it needs leather seats so it can be disinfected. Man the employer is really ripping off this poor guy.

It's like he's getting scammed by his own employer. He's paying their operating expenses.

'you're paying them to work there' Ouch. Feel for him, he's only young and this company is ridiculous

Absolute rubbish. I’m usually on the side of employers as it is “at will” employment. But these clowns are absolutely scamming him. He’s better off working in a fast food place. $15 / hr, signing bonuses, some offer benefits and retirement plans.

It’s Mankato Minnesota, I live in the same town he could make more working at the Walmart Distribution center in town

I'll bet the owners of this guy's company are making bank and doing quite well for themselves and living the American dream.

Guy needs to go into welding and get the family on the road to recoup his money. What a horrible, stupid, current employer and work situation!

Awe they are just babies. God bless them both and hope things work out for the best.

They took advantage of a 21 year old with little to no financial knowledge, told him he needed "dependable truck" to run their operations(and pigeon holed him. He is too broke to leave and find a better job without risking default).

Driving 5k miles a month and living below the poverty line. This is absurd!

The rent to own "opportunity" is a financial mirage just like his job. He needs to get better at analyzing financial matters.

Can’t afford any of our bills, we know nothing about managing money. We are 20 and 21 so let’s have a baby! People are redic.

Caller:"I'm wondering what course of action to take"... Dave:......"You dont have the money"😂😂

This call sounds so much like what the companies require of chicken farmers. Also, Dave said the truck needs to go. After hearing this call, who on earth would buy this truck? Sanitized or not

Time to find a new company

I don’t understand his problem. He says his company pays mileage, insurance and the minimum payment.

If he answers my phone call he will roast me 😂😂

I was fortunate to have grown up decently well off in rural Missouri. That said about half of my friends families were in agriculture. Sad to say this is exactly what this industry looks like. It’s built on the backs of immigrants and the poor. People with no better opportunities in areas like that. Some wise up and move away exactly like Dave is saying to do.

So if this kid is putting 5,000 miles a month on this truck, and the Federal mileage reimbursement rate is .56 per/mile for 2022, then they are paying him $2,800 per month for the truck usage. He should be making bank on that truck. Something isn't right in his story, or his employer is screwing him and he needs to go after them.

Dave's face at 6:01 🤣🤣

It amazes me that instead of making their own decisions, people let other people make their decisions and then blame the other people for the consequences.

broke, in debt, no saving, no house, lets have baby. i cant be making this stuff up.

It is sad situation that he could probably quit, sell the truck, file for unemployment and make more net. Most states pay unemployment to people who leave if they had good cause. And I am sure some States would agree he has good cause. He just doesn’t have a view of the horizon of better opportunities yet. If he really can’t get a better job in his area, they should move, in my opinion.

This is what happens when actual real working class people call Ramsey. Yeah, there are better paying jobs out there but this young man has no doors to open that lead to those. None of this "we make a household income just over $100k". Duh, it's an income problem but that's how it is for most people that are below the poverty line.

reminds me of multilevel marketing: "employers" preying on people who can't do the math to determine if they're making money

I've tried doing courier routes a couple times, this sounds similar. Basically the only money you make is what you get as a tax refund due to mileage deduction. Comes out to maybe $3-4/hr. Anything where you have to drive YOUR car is not worth it. They should be providing a company vehicle.

Time to get a new career

My god this is a crazy story.

No they didn’t.....you got talked into it.

He makes it sound like a 600ft apartment is so awful. Plenty of people in large/expensive cities live in apartments of that size.

What is with all the broke 20 year olds getting married and having babies?

I’m an outside salesmen, we’re not allowed to drive beaters. They give us a 700 a month car allowance. Is what it is

Leather seats so they can be cleaned?! What a joke!

They are paying for the truck he said.

"St. Peter don't you call me cuz I can't go, I owe my soul to the company store..."

Didn't he say they were paying insurance and making the payments? I know its besides the point but if he financed it for three years he could stay ahead of the depreciation and come out with a paid for truck

I will never understand getting married at 20 and 21 years with a low-paying job. Yikes

*Mankato is not that rural. He could definitely find a similar paying job without the ridiculous vehicle requirements.

I believe it's Mankato, Minnesota:-)

I hope you find a better job man. You sound like a good man!

6:00 that look is awesome

Ken, what an insightful, noncardigan-wearing gentleman you are.

Watching Ramsey's team misspell Mankato is kinda funny. Not a bad little town!

i miss farmwork, i DO NOT, miss farmwork pay.

Employers doing this to people is inexcusable

He said he gets paid mileage. Ask what that rate is! He could be getting $1000-1500 in mileage to pay that truck thanks to the company, plus they're paying insurance.

I’ve had jobs like this where this truck thing was an option. It’s varies but usually it’s a lump sum payment of $450 per month and they pay back $.30 a mile. Out of that payment you’re supposed to be pay off the truck within four years. Ideally that is what should be happening here but they might just be doing .59 mileage and hoping he didn’t notice.

My job wanted me to buy a 25000 dollar brand new car but I wouldn’t listen to them. I got a pre owned one and doing just fine driving between facilities to see patients!

The value of the truck is going down faster than he can pay it off. By the time the truck is done working, he will still be making payments. Seems like a very bad deal! Get out!

Hahahahahahahaha I am 20 and my wife is 21 🤣🤣🤣🤣

Didn't he say that they pay for mileage?. That rate should be $0.585 per mile this year and if he does 5K miles per month that should bring in another 2900/mo to pay for the truck.

No... the company didn't. Caller chose to buy an expensive vehicle instead of a good used vehicle that would serve the purpose and meet the company's requirements.

I am finding mostly minimum wage jobs that require me to pay their expenses by having to buy computer and phone equipment or a 60k truck to do the job. All too common right now. No hourly worker should be required to buy equipment for the employer.

The upside is that they are still very young and have time to turn their lives around.

How about vinyl seats and floors like in my work truck, cheaper that cloth seats.

I doubt his car situation is entirely on his company. This guy doesn't even grasp the baby steps.

I have a friend who was also forced to do that, because of the lifestyle conventions within the company.

Know what I did in my rural situation? Started selling shovels to the miners. I started a drone photo/video business specializing in multi-million dollar Poultry farms for real estate agents who turn those properties. Think outside the box kid!

This is reality for quite a few Americans

He said the employer makes the payment, pays mileage, and pays the insurance... only thing not mentioned is maintenance. Shouldn't be costing him anything.

Sad they took advantage of him

Salary is low, but they pay for the truck and insurance

Sell the job

It's Mankato, MN

What is it lately with Dave cutting Ken off from saying something? It shows his lack of respect for Ken. He doesn't do this with John, George or Rachel.

Mancato is actually spelled Mankato

Did Dave miss something sounds like you said his job makes the monthly payments on the truck

This is actually common practice, my company provides 1500$ month vehicle allowance, all the salesman get it.. there's no specific vehicle requirements as long as it gets you from A to B

Well am I wrong or did he eventually say that the company pays for the truck because they pay mileage, insurance AND the truck payment.

Married at 20 and 21, that’s cute. I’m sitting here at 32 single. 😂

They need to provide the vehicle for him

Apply at USIC.

I thought you said the company was paying his payment on the truck so what’s the problem? And pays for gas

In the car business, we call this getting pounded. 🤧

They never even asked what the company pays for mileage. Probably a bad deal either way but may not be as bad as they are making it out to be.

At least he didn’t splurge on the work truck , 24 grand for leather seats and a crew cab that’s really cheap for that

I wonder how much he gets if you add the car payment, insurance and mileage? I would guess that would add up to at leas an extra 2k a month or $24k in extra compensation. If that’s the case, then they are not scamming him.

sounds like they dont like him. who in their right mind would do that, he was supposed to turn it down.

How many people do they have working for them doing this?

Wow this is crazy times 100

Do they not make vinyl and rubber lined cabs anymore? I used those cheap trucks for years.

Did Dave even get the part that the company is paying the insurance and the minimum payment for the truck, PLUS the mileage?

The employer is basically pretending to pay for the trucks expenses by paying him $30k which is $14hr. The dude is the one paying for the employers expenses. Maintenance still falls on the guy. Maintenance for 60k miles/yr. That's tires, brakes, alignments, filters, spark plugs, fluid changes, etc.

I live in Rochester Minnesota I’m also forced to get a truck for work as farmer also

A modern truck basically im guessing

Mankato not Mancato, and I think I know the hog farming outfit he’s working for. He sounds like a hardworking man who takes pride in caring for his family and I know there’s a ton of better opportunities than that in that area.

I think they meant Mankato, MN they spelled it wrong

He could sell the truck to his employer and keep working for him using the same truck and receiving the same paycheck.

Maybe it's me, but I feel that I have heard about this story at D.Ramsey before....

If it’s rent to own, while you are renting the actual owners should fix the property to make it livable.

To the young guys, you need to learn some kind of technical trade like welding, auto or diesel mechanic, machinist, HVAC, Electrician, aircraft mechanic. This guarantee you can find jobs everywhere and make good money too.

Wow married with a kid on the way at 21.

I missed something .. kid says his take-home was 2400 a month and 600 PT for his wife .. then the kid says he gets paid mileage for using the truck .. is the mileage included in the 2400 ??

this should be illegal. they clearly scammed this kid

Having people pay to work there is more common these days.

I'd quit that job. A company makes someone buy a truck. That's ridiculous 🙄

I listened to this twice. The company makes a minimum payment on the truck, not sure what that means. Then about $2900 a month in mileage reimbursement making $35K a year. Is that the total income via having his own truck or does he still get a salary? Is he considered a contractor and then must pay his own employment taxes? Too many details are missing to make this clear to me. I would go for the lease to own land. Rent is just money down the drain. With that said this needs to be a legit deal with an attorney looking over the contract because you’re going to put 5k in to make the cabin livable. I’m guessing they have family and that’s why they don’t want to leave. So someone needs to babysit for free so wife can continue part time work. Just don’t buy that baby everything under the sun and save every penny that you can. Most Americans can’t come up with $400 and you’re far ahead of that.

How much they paying for mileage?