If I was stressed then I would not have taken on a $2,700 a month mortgage. That seems like the mistake here to me.

They brought a home that they could not afford that’s the bottom line.

She wasn't wanting to hear sell the house.

4 kids, a $2500 mortgage, and a wife that doesn’t want to work. This fella is going to work until the day he dies, and she doesn’t care one bit. She is going to ride that horse til he falls over.

$2,700 mortgage, 6 mouths to feed, and a $120,000 income (in a good year)... I’m shocked dave didn’t tell her adamantly from the get-go that their mortgage was too high. My husband and I make $140,000 and don’t even like our $1,750 mortgage payment!

She doesn't want to work

I live in Wisconsin, and their house payment is really high-They have too much house. I totally disagree with Dave about this call--they should move down in house so the husband isn't pressured to make more money while she enjoys being at home with the kids. (And I say this as someone who was a SAHM for over a decade). Putting all the pressure on the husband is NOT fair.

Dave loves him a housewife.

Those “surprise” babies can really throw things off

If she really wants to stay and home with her kids, then her husbands health and happiness needs to be her #1 priority. Stress can put him in an early grave. If I were in her shoes I would insist on selling the house so that he can sleep at night OR find a way to bring in money from home.

''Free spirit'' = a Child in an adult woman body

So many stay at home wives call this show just to throw their husbands under the bus and make them look as incompetent as possible lol

Her giggle when Dave agrees with her is like nails on a chalkboard 😐

Her husband is probably stressed because he hates his job and he has a stay at home wife, a huge mortgage, and 90k of student loans. This is why you don't get married and have kids unless you're prepared to work a long time in a job you hate.

She won’t give up the house, won’t work, wants him to stop saving..this guy will never get ahead

The LisaH responding to everyone’s comments telling them they’re idiots if they don’t agree with her is the caller 😂😂😂

Not sure how or why the husband making six figures is always the bad guy. Dave always takes the wife’s side

Sheesh my husband makes 100k too n were reluctant to jump into a 1k house payment!!! Their mortgage payment is INSANE for his take home pay

I just don't agree with Dave's view. Like he said, toure going to NOT do one of them... I truly believe SHE wanted that house more than he did. So, with that, if SHE wants that house soooo badly (proven by the statement 'We bought the house that we're going to die in.') go back to work and help finance the house and lessen the stress on your husband... Teamwork Makes the Dream Work! Dave seems to sympathize with the women more often than not. She told on herself when she said "He's more of the nerd and I'm the free spirited one." Translation, he's a planner and doer and I'll think 'we'll just figure it out instead of having a plan and sticking to it.' Dave you really have to do better on picking up on the clues. And o believe that 'surprise 4th child' was only a "surprise" to the husband. She planned for it but he didn't want another child. Bottom line, I just don't feel like she's giving the COMPLETE story.

I feel like this woman wasn't telling the whole story. Maybe her husband is stressed about his 401k because they're going into debt. When our kids were small, I worked in the evening and my husband worked in the morning. That way one of us was home with the kids. Zero daycare cost. We only had one day off together. We made it work. You do what you gotta do.

This is financial stress. The mortgage payment and baby are causing a HUGE soak in their budget!

Y’all popping babies like it’s a pasttime now y’all worried about making ends meet. Good job.

A vasectomy is less than $1,000

9/10 the "free spirit" screws over the nerd.

I actually disagree with Dave on this one. 🤦🏾‍♀️

Im not saying shes a Gold digger....but she aint messin with a broke......

Why does he always assume everyone’s income is going to go up $20k every couple years? Lots of people have income that goes up or down from year to year. A lot of people also kinda top out at some point. The assumption of a larger paycheck in the near future is likely what gets a lot of people in these type of messes. Furthermore, unless you make $300,000 a year you can’t afford a $2700 house payment, $90,000 worth of debt and 4 children. These people are way over their heads.

So she took out loads of student loans to become a stay at home mom. The baby is possibly a surprise because she went off birth control and didn't tell her spouse. And now the husband is irked he has to pay off her worthless loans. But he's at fault...

Woman sounds like a headache, I feel for the husband. Doesn’t want to go back to work, refuses to sell the house and kept sending little jabs at him w Ramsey

The husband has five kids

My wife has stayed at home with our 2 year old since he was born and there are some days I want her to get back in the work force. I have to continuously tell myself that we are saving thousands of dollars every month/year because childcare expenses are astronomical.

My wife's immigrant grandfather worked 7 days a week at Ford. Put 2 sons through dental school and a daughter through nursing school.

She knew Dave wasn't gonna tell a delicate little flower princess to get a job.

I bet she's not going back to work . It was in her plan when she got married .

Free spirit did good for herself finding a supportive beta.

Come on Dave, you don't have to take the wife's side in every scenario. In this case, they need to down size or she gets a job or works from home. Telling her to stay at home in a mansion (based on mortgage in that state) while this guy is busting his behind to stay above water is not ideal

How does Dave just assume people are going to get huge 5 figure raises or switch to higher paying jobs? It's quite a strange assumption.

There is NO SUCH THING as a FOREVER HOME!!! We need to stop thinking that way! I thought I would be in TN in the country FOREVER....but not in same house. Hubby got laid off out of nowhere ( he was performing well and just got a raise) a month after our 3rd living child was born. We ended up moving out of state and everything changed. We were done with kids, never wanted to live in a neighborhood again. We now live in a quiet, large upper middle class neighborhood in the country, make way more than we used to WITH quarterly bonuses and a better church and homeschool environment. We even got surprised with another baby due here around Christmas when we thought we were done!!! Life is full of curve balls and changes....NEVER SAY NEVER OR FOREVER!

There's no point in going back to work on his income with 4 kids. Her salary will cover the daycare costs. Complete waste of time.

Dave was too easy on her. Also, I keep waiting for Dave to start advocating for responsible family planning, but I dont think that is ever going to happen.

Hang on, if they're married wouldn't she be going back to work to help fund "their" 401k not "his" 401k?

Dave : get 6 jobs get out of debt Also Dave: don't get a job if you dont want to

Can you imagine a guy calling in saying he doesn’t work because he wants to be a stay at home dad and the wife makes 100k+ a year

She called to find out all possible excuses to not work and Dave was too easy on her. I feel bad for her husband. Free spirit = Careless. Nerd = Real man trying to save for retirement.

Raising children is the most important job in the world, and parents shouldn’t be so fast to give children to daycares where strangers take care of them. They are making plenty of money, they just need to cut down their spending habits and that way those children can have their loving mother in the home.

such a shame the mans really getting after it and shes sorting out expensive houses while wanting to sit at home, then again at the same time he should have made sure that *surprise* babies couldn't be a thing

Dave was pretty soft on her. She sounds pretty entitled and there's no reason for "surprise babies" when you're an established adult couple LOL. Rather immature and old fashioned of her to insist it's "the house we're going to die in". I feel for her husband.

2700.00 a month mortgage payment is stupid plus the property taxes. People create their own financial problems by taking obligations that a too much financially for them

Dave never tells the wife to go back to work. But if the rolls are reversed he’d say the husband is lazy

He’s making 120k per year including bonus. His take home should have been around 6k if he doesn’t make any 401k contribution. Dave sometimes forget to factor taxes in and insurance that withdrawn each paycheck. Either they have to sell the house or she goes back to work. Period!

Mortgage is supposed to be 1/4 of your monthly income. Dave is right 2,700 is kinda high.

The "SURPRISE" 4th baby! You see that boys. It was a 'surprise'. Good grief. Blow Me Up Tom.

Income going up another 20k or 30k. Where does this happen?

I don’t think the stressed nerd working and the free spirit refusing to be working is going to end well unless the free spirit finds a way to calm the worker down.

My brother’s wife was a stay at home mom. House always completely a mess(straight disgusting) , kids eating McDonald’s with iPads stuck in their faces all day while she’s posting on TikTok. Brother was E6 in marines with a two hour commute to work one way- would come home and clean like crazy and try to get the kids involved. They ended up with underdevelopment and learning disabilities

what kind of adult calls themselves "free spirit"? how entitled can they be?

My God their mortgage is 1/3 of their take-home pay after taxes

I make 122k + and I'm single. 100k with 4 kids, a wife and a mortgage is existing, not living

If Lisa was making 120k and her husband wanted to stay home Dave would be singing a different tune. She needs to clean up this mess she helped cause. She is talking about forever homes and moving up in lifestyle, Dave should have ripped her a new one. He didn’t even ask whose student debt it was, I bet it’s hers.

Dave blamin' the man like usual. Crazy that a man with four fathers ALWAYS takes women's side on everything.

Sounds like they create problems for themselves and then worry about them. 🤦🏻‍♂️

It’s too much house, and I’m surprised Dave didn’t say more about attacking the student loan debt. 🧐🧐

“Intense is different than stressed.” Dave, it’s so easy to forget this, especially for the perfectionists out here 🙋🏻‍♀️; thank you.

Questions Dave never asks moms. Who accumulated the student loans? Is your husband happy at work? Is his stress becoming a detriment to the home? Old economy Dave loves his stay at home wife.

Dave’s off on this one. WE agreed to buy a house, so WE need to both get to work.

Husband is making $100,000 plus bonuses but instead of enjoying it, he'll be working to the day his back gives out or he goes postal. Whichever comes sooner. That's another fallen comrade who fell for society's biggest scam. Also "surprise" 4th child. He needs to get a "surprise" vasectomy. Should have actually done it after the 3rd child if they did not plan on having more children. It'd be significantly cheaper than the "surprise" they got coming now.

She wanted permission to sit at home when they need her income.

Notice how it's "our" student loan debt but "his" 401k?

Lady kinda seemed like a air head

the sole fact that she seems so hesitant to moving out of that mansion screams about how much a "supportive" wife she is and what quality woman she is, I feel bad for the guy . . . he got played

Husband wants to invest and pay off debt. Wife wants to not work and pay off debt and live in her "dream home" at 2700 per month. A house payment you can't afford, she needs to go back to work. The husband is the push over. He let her stay at home with kid and quit her job. IF she doesn't want to work, sell the house and downsize. They both get what they want.

I like how he says "boohoo" to the guy wanting his wife to work to boost their retirement, but have complete sympathy towards the lazy wife that wants a free ride. That dudes in for a longgg haul with a big bundle of dead weight at home

Dave basically said he should work and forget retirement and paying off 90k in debt just so his wife can stay at home?? 😂😂🤣 Dave is losing it.

Chose your partner very carefully....her laugh scared me

Those surprise babies are her excuse not to work. He is freaking out because he just realized he got played, plus has a massive house and property tax bill. That dude will eventually break and divorce for a women who is ambitious as he is.

Not to mention that daycare costs money. Maybe she could find some stay at home side hustles. That allows her to stay with the kids.

I feel better about my $40k debt whenever I hear situations like this. Really therapeutic lol

The house is too much for them. She don’t want to work but she needs to help in other areas. Like reducing bills, groceries shopping and also don’t go to the mall “free spirit”.

Daycare for 4 kids is brutal. She could work some evenings or weekends or work from home. It's doable. I stayed home but still brought in some income and felt good I was bringing in some income on opposite shifts.

A babysitter would cost more than her going back to work. It's a thousand dollars a month per kid in most areas. You can tell your husband you will figure out how to budget real well and save money, such as not eat out a lot, not shop a lot, and other ways to cut down on spending.

the house where she's going to die, yea when husband finds out she talked to Dave.

90k in student loan debt. 2700 a month in mortgage...in Wisconsin.

Proverbs 23:4 (WEB) Don’t weary yourself to be rich. In your wisdom, show restraint. Wisdom to consider.

I love that Dave wants moms to stay with their kids. I wish I had that option, when my kids were little. Day care was $900/ month 19 years ago 😩

Princess Lisa has a plan: Once the kids are grown, educated and out of the house, husband will die suddenly from stress and over work, then she'll have her "forever home" all to herself. Mission accomplished.

They should switch. She goes to work and he stays home.

When hear calls like this lm glad lm single and can make my own choices

I can guarantee she was the one who pushed for the house. Now that she is living in her dream house, “the house they are going to die in”, she can step up and add some finances to the family. After all it is THEIR retirement and THEIR future. That is the way to have their cake and eat it to, more money

Be a good provider but don’t be a workaholic. What a contradiction

Not buying this one Dave. You just told this woman it’s ok to buy too much house, and ok to limit her husband’s retirement plan?

I think this is the first time I disagree with Dave. I heard this call differently. What I heard is Princess Lisa doesn't want to go back to work even on a short term basis to help get out of the financial hole they're in, for which she has been partially responsible. How much of the $90,000 in student loans is for her degree? Why did you borrow the money to get a degree if you wanted to stay home? $2700 a month mortgage payment? Husband is pulling down a 6 figure income, trying to get the family in a solid financial position, and she doesn't want to go back to work because her heart wants to stay at home. Now who's being ridiculous? Use your degree and go back to work. If you can make $50,000 a year you can apply it all to the student loans and have them paid off in 2 years.

Free spirit huh......id rather find someone that has actual value.

Haven’t watched it yet… I project that Dave will say that’s it’s fine for her to just not work.

She has college debt and wants to be a stay-at-home-mom. No wonder her husband wants her to go back to work

Did Dave just glaze over that $90k student loan?

Lol I don’t get why I see so many guys whining about him telling a woman she doesn’t have to get a job. We all know Dave is a conservative Christian old-fashioned guy, he’s pretty straightforward about his beliefs. I don’t agree with all of them but I know what I’m getting, not surprised at all by his answer. He believes that if a family can afford to do it, it’s good to have traditional gender roles where the mom stays home with the kids. If you want to hear someone who believes differently watch someone else. I think the thing that’s so insulting is the insinuation that because she’s at home she must be lazy - she has four kids! I’m sure she’s very busy, caring for children, home, taking all those little life tasks off her husband’s plate is a full time job to do well, let’s not play like that has no value! He got cut off before he could ask her expected income but the other big point is the huge expense of childcare, she would need to make at least her childcare expenses back and then some for it to be worth it to leave your small children with strangers.

House is waaaay expensive, 2700 month, not with their income

majority of these callers make good money they just keep living above their means.

Why are people so mad at her for not wanting to get a job? She just had a baby. Taking care of a newborn is major work (plus recovering from childbirth and breastfeeding)! She’s not making money, but she IS working. Plus, daycare for four young kids (one of whom is an infant) would likely cost more than she could earn.

How much does a vasectomy or tubal ligation cost?