My Fiancée Wants To File Bankruptcy on $16,000!
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@Shay-yg7nm 2 жыл бұрын
This guy legit had 100 excuses and it was her fault. Take responsibility
@James-yi1vk 2 жыл бұрын
Tell her that. He isn't responsible for am adult he isn't married to.
@kelvinpang438 2 жыл бұрын
@@James-yi1vk They live together and have kids,they are practically married eithout being married.
@James-yi1vk 2 жыл бұрын
@@kelvinpang438 that's another problem too. I agree.
@erickchavez5725 2 жыл бұрын
Agreed everyone wants the easy way out
@Weakeyedominant Жыл бұрын
@@kelvinpang438she sounds like a disaster.
@umtozzi Жыл бұрын
There is an approximately 0% chance that these people took any of Dave's advice.
@MsBekah1000 2 жыл бұрын
Walmart is paying 17.82!! I work there.👍P.S I work there and I still became debt free. Thank you so much Dave!!❤️❤️❤️
@rudymmirelez6289 Жыл бұрын
Awesome job. Good for you. Dave's program simply works
@LincolnBurrows480 5 ай бұрын
Respect
@HOLDXSTEEL 4 ай бұрын
They start at 14 …
@MartianAmbassador69 2 жыл бұрын
Mid 20s, multiple kids, at least one of which happened in their teens. No insurance. She was named 50% responsible because she likely ran a red but officers couldn't definitively prove it. Literally are making all the wrong choices in life.
@MrMustangrick 2 жыл бұрын
Dumpster fire.
@dummgelauft 5 ай бұрын
Typical white American story. Car loan, no insurance (there is no "switching insurance"), kid out of wedlock, no education to speak of....
@vivianhiggins5685 2 жыл бұрын
I love Dave yelling at people 😂
@winchesterhollow2899 2 жыл бұрын
Sounds like they’re made for each other: two total wrecks.
@00177454419 2 жыл бұрын
Yep, I feel sorry for their kids. They've got a couple of losers for parents.
@edb484 2 жыл бұрын
Lol and dude got all kinds of excuses
@GabrielMartinez-sd8pc 2 жыл бұрын
Which is funny because the call is about a wreck lol
@denniscarroll 2 жыл бұрын
Counting the car, three total wrecks!
@dummgelauft 5 ай бұрын
With the unfortunate kids through no fault of theirs.
@seoulmansupra 2 жыл бұрын
Scary to know people like this exist not taking care of business and being so passive.
@rnt45t1 2 жыл бұрын
and they're reproducing....
@skincareceo 2 жыл бұрын
They're young.
@seoulmansupra 2 жыл бұрын
@@skincareceo that's true
@seoulmansupra 2 жыл бұрын
@@rnt45t1 sometimes it's not always a mirror image of what the parents are.
@Jersey1971 2 жыл бұрын
He should get a paternity test on those kids too
@danielrn133 2 жыл бұрын
"in between insurance" Meaning she was illegally driving with no insurance. Now she wants the taxpayers to pay the bill.
@genxx2724 2 жыл бұрын
What a pair. And I’m not talking about Dave and George.
@joycew.6531 2 жыл бұрын
LOL!!!!!!!!!!!!!!!!!!!
@Ethiodawg 2 жыл бұрын
Lol
@Hlaford2009 2 жыл бұрын
Strange people.
@mlovespring7892 2 жыл бұрын
😂😂😂
@rays242 2 жыл бұрын
The car is impounded because it was driven uninsured.
@fhuber7507 2 жыл бұрын
And won't be released until insured...
@Kysen10 2 жыл бұрын
Real talk from Dave, this couple just sat back and let the mess get worse.
@dummgelauft 5 ай бұрын
They didn't sit back..the laid..on top of each other.
@TheSmoothGrind 2 жыл бұрын
I worked with a guy that was saving up $1200 to file bankruptcy on $2500, lol. He's in his mid 50's and just never seems to have grown any brains.
@dustinpitre2278 2 жыл бұрын
In 2013. In high school. PART TIME as a grocery store sacker. I could bring home easily 600$ a month. What is a 24 year old doing as a “job” in 2022 ?!?!?!
@jdstep97 2 жыл бұрын
Murphey's Law, folks, with car insurance. One of the best ways to end up in an auto accident is during the time your insurance has lapsed.
@markgroth4380 2 жыл бұрын
But people who drive without insurance are the best and safest drivers.
@andidede3653 2 жыл бұрын
@Mark Groth they are also the ones that don't stop during an accident, and your insurance is responsible for paying your damage also lol.
@cuh720 2 жыл бұрын
This is true. I forgot to sign up for health insurance in late 2019. Guess what happened in 2020!
@mv7374 2 жыл бұрын
@@andidede3653 yep never fails-half the accidents that happens to my friends are caused by uninsured drivers
@takeitback-financial2808 2 жыл бұрын
“Everything happened because you were passive” About sums up the story and tone of his voice and even the headline of the video.
@woodside4life Жыл бұрын
Oh yeah. Man had no energy whatsoever.
@Eddie-3466 2 жыл бұрын
She had no insurance.
@davinasquirrel7672 7 күн бұрын
Yeah, the "between insurance" was a tall tale.
@droolalot5795 2 жыл бұрын
I've had lots of car insurance over 54 years and the ONLY times I have not had car insurance was when I didn't pay. Even switching. She quit paying car insurance because of money troubles and happened to have an accident.
@terriesmith2616 2 жыл бұрын
Bingo! 🎯🎯🎯 The only time car insurance won't cover is when one doesn't pay the bills causing insurance lapse.
@MrOfficer235 2 жыл бұрын
Sell the fiancé
@JacJo 2 жыл бұрын
My husband and I are healthcare professionals with too much debt to even describe. We took Dave’s advice and started delivery food this month. It has totally changed our lives and our finances!! I highly recommend it for anyone struggling with income!
@georgewagner7787 2 жыл бұрын
What does that mean? Do you have a second job driving?
@JacJo 2 жыл бұрын
@@georgewagner7787 yes
@crzyruskie86 2 жыл бұрын
It costs hardly anything to get married and sign the papers. She just wants an excuse to show off with a wedding.
@LaneDenson 2 жыл бұрын
A wedding - something else they don't have the money for.
@dummgelauft 5 ай бұрын
Yup. It costs $72, total, get married at the court house here.
@robertbell525 4 ай бұрын
For God's sake don't get married to this wreck of a woman. He can barely take care of himself. Two peas in a pod.
@robertbell525 4 ай бұрын
For God's sake don't get married to this wreck. He can barely take care of himself. Two peas in a pod.
@surveyordave 2 жыл бұрын
if you wreck your car, you DO NOT have to let them take it to storage. have the wrecker take the car to your house and leave it in the driveway.
@terriesmith2616 2 жыл бұрын
I think she's not insured, that's why they impound the car.
@surveyordave 2 жыл бұрын
@@terriesmith2616 ah! you're correct. but still...once it's off the street, you should decide where it goes.
@skincareceo 2 жыл бұрын
@David H. no, when they impound owner changes if no insurance or must show proof of insurance. Many sign cars over to the lots.
@Splexsychiick 2 жыл бұрын
Depending were you live this can be a problem and can cause fines. Especially if the neighbors make a big deal about it being an eye saw, etc etc
@BlueDauntless 2 ай бұрын
I learned this the hard way
@MrMpwood12 2 жыл бұрын
In Georgia they will put you in jail for driving without insurance. What in the world were they thinking? I’d also imagine they’re paying more for daycare than she’s even making.
@crzyruskie86 2 жыл бұрын
She most likely has a work boyfriend that she doesn't want to leave.
@JM-ps6le 2 жыл бұрын
They’re paying $18 an hour at warehouses in Memphis. FedEx is paying a $7 premium on weekends. She’s lazy. Work from home jobs paying $15 and you set your own schedule. She’s getting foodstamps is what it sounds like she’s dying to keep qualifying for
@tracygaluszynski1868 Жыл бұрын
Typical millennial.
@kathryndockrey1477 2 жыл бұрын
Get married. Have her quit her job, and look after your own kids. She can work around her husband's work schedule, if she wants to work. This way her car doesn't need to be replaced
@dp4kallday 2 жыл бұрын
Marriage won't solve stupidity and being irresponsible.
@robertbell525 4 ай бұрын
Yeah marrying this wreck will ruin his already pathetic life
@Lourd-Bab 29 күн бұрын
Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.
@PilouBen 29 күн бұрын
Hi. I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second child. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks
@Lourd-Bab 29 күн бұрын
@@PilouBen However, if you do not have access to a professional like JUDITH ANN PEACE, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments
@PilouBen 29 күн бұрын
@@Lourd-Bab Oh please I’d love that. Thanks!
@Lourd-Bab 29 күн бұрын
@@PilouBen Judith Ann peace is her name
@Lourd-Bab 29 күн бұрын
Lookup with her name on the webpage
@jime19911 2 жыл бұрын
They’re both bums. Nothing is their fault even though this completely their fault. Some people can’t take responsibility and they think the world is just out to get them.
@hankwells2637 2 жыл бұрын
They didn’t cover her because she didn’t have insurance that’s why she’s 50/50 at fault
@Jim_Curtis 2 жыл бұрын
Being "in between' insurance coverages mean she didn't pay on the one and was trying to get new coverage in place, but was basically driving uninsured. What was she spending her money on?
@mv7374 2 жыл бұрын
Yea I was confused-was it the other persons insurance that declared her half at fault since she didnt have any coverage?
@sblijheid 2 жыл бұрын
@Jim Curtis What does she spend her money on? Are you serious? She makes less than 1k a month and he was not working at the time, with two kids.
@Jim_Curtis 2 жыл бұрын
@@sblijheid Dude, get out of your feelings for a sec and think logically. There is probably no budget being done here. He seems to be covering housing plus other stuff with his savings. She's not even making minimum wage, but somewhere in their finances, they can pay the car insurance because they were doing it before the accident. It was just a dumb mistake to not have new coverage in place before cancelling the old one.
@dummgelauft 5 ай бұрын
The other person who was probably at-fault, got off easy 😂.
@FrankS111 2 жыл бұрын
Well…if she files bankruptcy don’t plan on financing things for years if you get married.
@nephetula 2 жыл бұрын
He gives all kinds of excuses why she didn't have insurance, but there is no excuse other than irresponsibility and stupidity. It's a chilling fact that 20%-30% of the people driving cars these days have NO insurance.
@ClaxtonBay123 2 жыл бұрын
$1000/month? That isn't a real job. High school kids make more than that. Why doesn't she have a job?
@radfoo72 2 жыл бұрын
I'm surprised he didn't ask what she did for work. I think that information would have been telling.
@cooleobrad 2 жыл бұрын
If she was working fulltime (40 hours a week, 52 weeks a year), that would come out to $5.76/hr!
@euenfheiejrj 2 жыл бұрын
Probably a mlm
@hmj8469 2 жыл бұрын
@@radfoo72 He didn't ask because he knew he probably wouldn't like the answer.
@dp4kallday 2 жыл бұрын
@@radfoo72 instead he said marry her lol. What kind of advice is that?
@ragga7862 2 жыл бұрын
Bankruptcy is not the fix, go fix your life!
@nkyryry 2 жыл бұрын
This is why you don’t have a baby in your teenage years. This couple is struggling.
@oatmealtruck7811 2 жыл бұрын
That daycare bill has to be more than her income! She can stay home and they’d spend less money. Geez these people are a mess…
@GabrielMartinez-sd8pc 2 жыл бұрын
What’s scary is these types of people meet each other, get married, and have children
@paolaristori6179 Жыл бұрын
Actually they just had children....
@soappy1720 2 жыл бұрын
This is one of the dumbest calls ever...
@lindsayclark4009 2 жыл бұрын
Only time I’ve totaled a car was the 30 days between switching lenders with gap 🤦🏼♀️
@foreverever9001 2 жыл бұрын
Thank god I’ve never had a car payment . Cash cars are the way to go. She needs to be working harder to pay this off. Work full time . She work nights, he works days. This can work if they stick to it
@terriesmith2616 2 жыл бұрын
If she work full time at McDonald's she can bring home $2K per month, that's better than her $900 per month income.
@Julian-zc9vm 2 жыл бұрын
Some people really just need training in adulting
@ew2645 2 жыл бұрын
Jerry! Jerry! Jerry!
@gatewaysolo104 2 жыл бұрын
Another cringe call. Not sure if the caller was slow or was just playing dumb. He sounded shocked at all of Dave's answers
@shroomssadow4981 2 жыл бұрын
Play stupid games, you win stupid prizes 🥇
@tugboat2030 5 ай бұрын
You can settle with the storage guy for a quarter on the dollar?!? Lol I'd like to see that.
@jjman533 2 жыл бұрын
These passive enablers deserve each other......
@Fadrowskis 2 жыл бұрын
Loved this advice! proactive is the magic word.
@bmaiceman 2 жыл бұрын
The need for a WEDDING tgats all done up is STUPID... Especially if your already living together and got kids. Just go to city hall and ELOPE
@oliver18754oliverwarders 2 жыл бұрын
Saving for a wedding? That’s money towards debt. And should be for debt first.
@sophia8405 2 жыл бұрын
Do not get married please I see a divorce coming 🙄🙄😳
@queen.kristal8395 2 жыл бұрын
I will not either in this situation either
@And1one757 2 жыл бұрын
Maybe not sounds like there made for each other not in a good way
@KishoreG2396 2 жыл бұрын
They have kids.
@BagsNBaguettes_327 2 жыл бұрын
So many red flags 🚩 🚩🚩🚩🚩🚩
@lawv804 2 жыл бұрын
Don't marry her!
@ivanesparza9473 2 жыл бұрын
Some people’s “problems” seriously… I wish my life was that simple
@lights80088 2 жыл бұрын
Excuses excuse excuses.
@mxerb5912 2 жыл бұрын
What a mess of a call
@creature57 2 жыл бұрын
My boyfriend is exactly like this couple. He has a small health bill and has not spoken with the health people and it's in collections. I don't understand it. Just call the company!
@mv7374 2 жыл бұрын
I agree w all of this except for the getting married immediately part, but it’s Dave so what can you expect 😂
@canadianbird1185 2 жыл бұрын
Americans marry way too early. Or rather get kids too early. Better to save up some wealth and get married/have kids in early 30s with a good nest wealth built up. Having two kids that are 6yo in your 20s will be so so tough on these guys. Probably paycheck to paycheck for the next foreseeable 25~30 years.
@radfoo72 2 жыл бұрын
If she doesn't crawl out of that minimum wage swap, yes!
@JasonGroom 5 ай бұрын
In HS 26 years ago I used to be able to bring in $500 a month working part time at $5.75 an hour, there is no excuse to only be bringing home a grand right now on today's market
@kaseycentanni753 2 жыл бұрын
this guy is out of his mind.
@c.c.2508 2 жыл бұрын
WOW! WHAT A DISASTER!
@robertbell525 4 ай бұрын
My mom didnt have this kind of problem but she is a textbook example of what happens when you let life happen. She never acts until a situation is life threatening or a financial disaster is at the door. Never looked for a better job. Always just went wheree the job put her until it was out the door. Never saved for retirement alrhough my wife and i implored her for years to fund a 401k. Now she scrapes by on $17K/year. Shes good at being cheap but good heavens.
@emmarose6590 2 жыл бұрын
16k oh brother that can be easily paid off
@SCRT 2 жыл бұрын
Thank you ramsey for bringing such amazing content 💕
@thegoldentroll 2 жыл бұрын
You're welcome!
@imhuy95 2 жыл бұрын
This could is so passive it's amazing
@luke7842 2 жыл бұрын
He jumped in a little bit quickly when he said that she's filing for bankruptcy. He didn't even ask if that was her only debt.
@pep590 2 жыл бұрын
They can never pay that $16k off either with their salaries. Might as well be 16 million.
@adamseidel9780 2 жыл бұрын
So she’s making like $220 a week, which even at minimum wage is only about 27 hours a week. These people are just lazy and dumb. Not complicated.
@xfhnhhgjbvcfg 2 жыл бұрын
Unfortunately probably true
@alyssabird720 2 жыл бұрын
I work 20 hours a week because of health issues. Maybe she has health issues. Not everyone is lazy lol
@xfhnhhgjbvcfg 2 жыл бұрын
@@alyssabird720 your videos are horrifying... I'm going to guess your illness is mental.
@scottgoodson5132 Жыл бұрын
Alyssa Hoyt Cool, but why is she taking out a car loan when she brings home peanuts?
@philliprogers2383 2 жыл бұрын
This was hard to listen to. Take responsibility people!
@irishchocolate3872 2 жыл бұрын
My ex-wife had us declare bankruptcy on $7000 about 20 years ago. I was making minimum wage and every time she even made the effort to get a job, she would come up with an excuse to quit. I made basically minimum wage but she would always have us take out loans for various reasons.
@bradleymaravalli2851 2 жыл бұрын
How did the bankruptcy affect your life? I ask because maybe it can provide insight to us and the caller.
@jdstep97 2 жыл бұрын
@@bradleymaravalli2851 - I'm more intrigued by the fact that Irish Chocolate mentioned the wife as being the EX-WIFE. Sounds like some bullets were dodged. Congrats to Irish Chocolate!
@michaelb.8953 2 жыл бұрын
@@jdstep97 I was thinking the same thing. Good call for him making her an ex wife.
@adamseidel9780 2 жыл бұрын
“She had us… she would… she would…”
@ClaxtonBay123 2 жыл бұрын
You said your ex-wife "HAD US Declare bankruptcy" and "she would always have us take out loans". Sounds like you didn't accept any responsibility at all. Hopefully that changed in 20 years.
@harrisonjoa 2 жыл бұрын
How is this man a fan of Dave again?
@Jim_Curtis 2 жыл бұрын
Dude do not marry this chick. She's apparently irresponsible and thinks you're going to just bail her out. Be a good co-parent with your kids, but don't marry her unless you want your life ruined as well.
@pattyajones 2 жыл бұрын
Dave, WTH you talkin' about? SHE NEEDS to get a 2nd job. THIS IS COMPLETELY ON HER. Sid, do NOT MARRY HER. Keep working the plan and if it doesn't work out with the princess, dump her and take care of your babies. Dave? Why does HE need to get a 2nd job?????????????????????? SHE created the mess, SHE needs to fix it.
@BlueDauntless 2 ай бұрын
Because they’re already living like they’re married. And she could save them a ton of money by taking care of their own kids!
@tracyregan8121 2 жыл бұрын
They need a lawyer - a real one, not a 1800 lawyer.
@scottsanders2474 7 ай бұрын
Hey, Sid, if you get disconnected in handling a business transaction, you need to immediately call back and resume the conversation. If you got disconnected again by the same company on two calls on the same day that should have been a tip-off that they weren't legitimate, and you should have immediately gone to another insurance company. If they were going to jerk you around while you're trying to sign up to get insured, what do you think they're going to do if you ever have to file a claim?
@dummgelauft 5 ай бұрын
This woman was driving around in an uninsured vehicle that she has a sub-prime car loan on, from one of these corner lot dealers at 15% or higher.
@amandadean3948 2 жыл бұрын
I don’t buy his lapse of insurance story.
@megalodon1726 2 жыл бұрын
She's earning $1000/month and borrowed at least $16K for a car! Insanity.
@roolyfe 2 жыл бұрын
This guy talks to much!
@Aristaifly 2 жыл бұрын
What is happening? He doesn't know why she is only making pennies and yet they called each other fiancé? Why do they talk about? Weather, Kardashians, new iphone? Probably more interesting topics than life values, priorities and dreams. If she is making 1k a month she better use a transit pass.
@fhuber7507 2 жыл бұрын
To caller: She needs to straighten her finances before they get married. Don't destroy your future because of her bad choices. BTW... what the insurance tells you is not what a lawyer will tell you. Insurance's job is to NOT pay claims. His description of the accident is 100% at fault for the other party. But lack of insurance is going to hurt credibility.
@georgewagner7787 2 жыл бұрын
They're already committed. They have kids.
@justinyoung7207 2 жыл бұрын
Game on baby!
@robertwhite9898 Жыл бұрын
Some want to take easy out.
@jhonilocran6077 9 ай бұрын
She was driving without insurance…she lied to her fiance and Hes believing this ridiculous story
@patrickchilds5486 2 жыл бұрын
Run don’t walk!
@jreinel1966 Жыл бұрын
No go and deliver pizzas?...😂😅😊
@mathisnotforthefaintofheart 2 жыл бұрын
The good news is....she is your fiancee, not your wife. Run!!!
@KishoreG2396 2 жыл бұрын
They have kids
@danielvasquez3758 2 жыл бұрын
Lol better not sign any legal documents with her then!! Hopefully they haven’t!!
@Jersey1971 2 жыл бұрын
That guy sounds like he's 24 going on 60 already busted with kids and debt
@andreaconroy3623 3 ай бұрын
She should not have been driving without insurance cover...her fault.
@radfoo72 2 жыл бұрын
He & his fiancee wanted to be cast in the play as victims but after reviewing the facts Dave held them at fault for being apathetic instead of aggressively proactive. Grab life by the horns! This is Your future & present day wellbeing you're talking about! You can't just take the backseat as a spectator to your own life. 💩 will happen. You have to learn how to deal quickly and effectively and relent not lest ye be trampled and left for dead! It's okay to young & naive but don't be afraid to ask someone more experienced for advice when life throws you these curve balls!
@sblijheid 2 жыл бұрын
This is not naivité. This is stupidity. Writing things down on paper and then using a calculator, does not require genius.
@pgperezlife32 2 жыл бұрын
Game on
@brownelcamino3051 2 жыл бұрын
5:29
@danclapper626 2 жыл бұрын
Obviously does not listen to Dave's videos before calling in.
@jill9606 2 жыл бұрын
What… on… earth… soooo many questionable things here that make me scratch my head.
@Chesu360 2 жыл бұрын
Ah... the good ol' kick in the groin. Everything will be fine the procastinators often say, but then bam! Life!!
@johnnyhoang4444 2 жыл бұрын
Someone needs to shake this couple and slap some sense into them
@umtozzi Жыл бұрын
In the words of my mother these people have more excuses than Carter's has liver pills.
@704ab 2 жыл бұрын
$16K Sell things. Work more. Cut spending. Anyway, if you ever drive a car that is not paid for, sell it, and bum rides or take the bus.
@nancybrozo3313 2 жыл бұрын
I am not believing his story. When you change you continue insurance until then. Was OK until she got in the accident. Why is she not telling her story?? Fishy.
@user-rw8zj1td9v 2 жыл бұрын
Excuses piling up here
@J0hn.R 2 жыл бұрын
I feel like something is missing in his story. He left out details of the whole thing
@ministryoftruth8588 2 жыл бұрын
This couple is the typical couple portrayed in the movie 'Idiocracy'.
@sjfk1306 2 жыл бұрын
3:47, hopefully never. It’s scary that these clowns reproduced. That girl needs to actually get a job.
@anthonykence9954 2 жыл бұрын
Its sounds like she had a hillbillies insurance policy .
@willelliott5052 2 жыл бұрын
Well, that story kind of had "dumb" written all over it.
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