I am officially debt free, 63K in 17 months!

300k problem and he's talking about 7k in 2 years. denial isn't just a river in Egypt.

Dave: “Hey Alex, how are you?” Alex: “Better then I deserve.” Also Alex:

Dave "You need two hoopties..." Chris "You need two skateboards!"

The wife should have been on this call. This is exhausting.

Loan forgiveness is a myth!!! I applied to this program with a 4.0 gpa, and taught at a school on the pre-approved list of schools that are considered at-risk. The money never came. I was given the run around. I got tired of this and picked up a second job and got rid of the $67k myself.

No way are they selling those cars. For some reason he sounded surprised when Dave said to sell the cars. These two really are ridiculous!

This sounds so overwhelming. I can't imagine the stress of waking up to $300k in debt every day.

“Don’t even go look at Amazon.....” “Don’t even say it.....” 😂😂😂💀💀💀

Whenever I want to feel better about myself, all I need to do is listen to some of the callers on this show.

The sad part is that these loan forgiveness programs are promised to people who work has public servants, but sometimes it just never happens.

My entire life is on fire... My question is, how do i fix this pencil that broke?

I'm 500 pounds should I switch to diet soda on my hourly fast food orders?

$150k in credit cards??? I can't even imagine.. I'm scared with my $3k lol Man.. Good luck!

“You’re gonna need to sell so many things that your kids will think they’re next” The sayings Dave uses are fantastic.

Chris almost fainted when he heard the debt

Chris and Dave's reactions throughout this call are golden lol

“Don’t even look at Amazon! As a matter of fact, Don’t even say it!” I just laughed so hard 🤣

He's better than he deserves in 300k in debt... 🥵 gosh my $1200 in debt doesn't seem so bad after all

This guy is totally careless...

This guy is frustrating me so bad. Dude just start over

Fun fact (maybe): Most “normal” couples don’t argue over money. They argue over debt.

$150k in credit card debt makes me feel a whole lot better about my situation. I've been paying mine down from $30k (down to $20k now!) and it feels like a huge burden but I can't even fathom having more than the balance of my mortgage on just credit cards.

This guy talks like it's no big deal lol. I wouldn't be able to sleep at night.

This is a classic example of how much more important it is to ask the right question than to get the right answer. The questions this guy wants to talk are a complete distraction, and every second this guy spends thinking about payment order or loan forgiveness makes his life worse.

$150,000 in credit card debt what in the actual eff is wrong with these two.

Dave: what did you run up on credit cards Caller: honestly I don't know 🤯

Oh, my! When I heard the 300k in debt I said "I'm coming for you Elizabeth"!

$150k on credit cards HOW!! I've never had a balance higher than $2k and even that had me worried.

He knows what he spend his money on... you can see in your credit card statements what the purchases are that were used with a credit card. I hope he makes a serious effort at this

Dave: how are you? Caller: better than I deserve! Narrator in ominous voice: He was not better than he deserved....

Guy: better than I deserve I’m 300k in debt Me: well jeez what have you done in life to deserve worse than that!!?

Let's do some math real quick: 300,000 in debt not counting mortgage and not counting interest. If he could put his entire monthly salary on the debt every month for 4 1/2 yrs he can be out of debt. My recommendation for you sir is sell everything: house, wife, kids, car, boats and buy yourself a cardboard box. Get yourself out of debt in only a couple years instead of 12 paying interest! Dandelions and Squirrels, Squirrels and Dandelions! Rice and Beans are out of your price range😆

This happens so often from people seeking advice. They're so fixated on one little thing, they totally forget the elephant in the room. This guy is asking about whether it's a smart idea to try and get his wife's loan forgiven and focusing on other stuff, meanwhile it constitutes 5% of his household's total debt load. With a big chunk of that being unsecured, high interest debt. It's amazing what you can figure out if you keep asking follow up questions. Like the real problem.

Chris : “ you need a skate board “ 😂😂 He is right

Dave: You need to sell so much stuff the kids think they’re next. Me: He said what he said 💀 😂

I DECLARE BANKRUPTCY

$300,000 in debt. I cant breath and this isn't my debt.

The look on Dave's face when he said how much debt. Priceless!

This is keeping up with the Joneses to the extreme

Chris Hogan should be a voice actor! With his laugh he'd make a great villain. XD

I broke into a cold sweat even IMAGINING that kind of debt. And this guy chuckles about selling the cars they owe $60k on...

I can’t imagine running up 150k in credit cards, that’s crazy!

You didn’t see anything, anywhere, in any store you haven’t bought 😆😂

Dave Ramsey - 'We buy things we don't need with money we don't have to impress people we don't like.'

Is it wrong that hearing callers like this makes me feel really good about my life?

My parents always taught me “ If you can’t afford to pay for it you can’t afford to have it “. One golden rule I have carried my entire life and it has never let me down.

"You need a skateboard" got me laughing.

He thinks it's funny. How on earth did they get themselves in such a mess.

“You need to sell so much that the kids think they’re next”! I’m dead! 💀

The big dude said “u need a skateboard”🤣🤣🤣best line in the whole convo

I feel like a millionaire now 😂

Death by Plastic!!☠️💳

“You need a skateboard!” 😂😂

“You need a skateboard 🛹 “

They are paying $30k annually in credit card interest...

The student loan forgiveness program does work. I have worked at a high poverty school my whole career and got $5000 taken off of my loan. My husband got $17,500 taken off of his because he taught math. It does work as long as you get the paperwork filled out correctly.

That co host has a movie star voice.

"You need a skateboard." 😂😂😂

Man its rough out there. Thank goodness for uncle Dave, he and his team have helped me out a lot! This channel has inspired me to learn everything I can about finance/economics. Always remember people, think everything over at least twice!!

"I became a multi-millionaire by using credit cards to pay for everything " said no one ever.

"Don't even go look at Amazon. Matter of fact, don't even say it!". I burst out laughing so hard when Chris said that!! 🤣

Yikes. Just juggling and keeping track of even the minimum payments every month must be a complete nightmare...

Dave “Hold on ima have Madison pick up”. Kelly in the back like 👁 👄 👁

“You need a skateboard” 😂😂

I had to rewind and make sure I was hearing it right when he said $150K on credit cards!

The most important line I learned at college was “hello may I take your order?”

Chris' face when he hears 300K. Priceless.

This caller sounds so confused. I doubt they understood the terms of these loans. It astounds me how much debt Americans can obtain with so little intelligence.

It really looks like Americas have a debt culture. I'll never understand that

How do ppl get approved for cc’s limits like that? 🧐

Dave said break this 300 grand down for me I'm having trouble here🤣🤣🤣🤣

I know they are giving this guy great advice to get his life back on track but when Rogen said skateboard I lost it. 😂😂😂😂😂

How do you have $150K in credit card debt?

I'd be pissing on myself if I had so much debt🙊. I freaked out if my credit card payment pass $500. The uneasiness of Dave after he heard the amount was funny.

Before Dave made his comment, I was thinking this man is asking about help how to pass over a speed bump when a mountain is right in front of him.

We have 30k in debt and it makes me sick...300k would keep me up every night!

This guy is worried about 7900 forgiveness when they have over 300k in DEBT!!! Not including the home is insane on steroids. How does he not recognized the elephant in the room?

Did he say his income was $6,000 after taxes? So confused.

These are the same type of people who cry for student loan forgiveness 😂

Funny how after knowing the mess he’s in, the mention of getting rid of the cars created more of a shock

It is amazing how some people feel so comfortable spending so much money. I enjoy spending close to $0 every month. I also make finance videos. Keep up the great work, Dave!

Yikes! I am gripping at my husband over a $1,200 credit card balance!!

The only avenue to 300k in debt is through stupidity.

Bruh how does someone have 150k on a credit card...I start to get nervous when I have over 100$ on my credit balance

Several years ago, I used to work for a student federal loan servicer. The loan forgiveness programs were kind of just starting. My advice, if you can pay off your loans in less than 10 years, DO IT. Anything can happen in your life. I personally did not trust those programs would work out then, and I don’t now, especially with our current administration. Even though I would have qualified for the 10 year program, I paid my loans off as soon as possible. Turns out people are now having issues with the program.

If you can’t afford it, don’t buy it

Dont even say "Amazon" im dying 😂

My niece got that same offer - she kept making her payments, and ended up getting sick of that school, and took a better offer. Good thing she was smart and paid her loan. Forget the forgiveness fraud!!

Dave is burning inside that he used his line😂😂 jkjkjk

People go to amazon just to look at the daily deals and buy more stuff and more stuff that they don't need.

Chris has the best radio voice!

Wow! “You didn’t see anything in any store that you haven’t bought!” Now that statement was funny. I pray they can get out of this mess. Wow!

Wow $300,000 in debt not including the mortgage 🤯

Dave gets slightly irritated when callers tell HIM “better than I deserve.”

Man... 300K in debt... Congrats on living like everyone else. The culture of put it on plastic and paper and here's my signature to the tune of 84 months.

Why do people get student loans and don’t get jobs to help them pay them off. It’s sad that such an easy lesson is not leant. You need to cash flow your education, period!

FWIW -- My wife had around $18k "forgiven" via a "teacher loan forgiveness" program. I forgot the specifics, but she had maintained perfect payments and worked in a title 1 school for 5 consecutive years. She had her principal complete paperwork, and she made sure everything was 100% perfect. And incredibly, it actually happened! No idea if she's a unicorn, or if this program is now ended.

This family got absolutely no self control

I used to hang out with people who were betting on getting lottery winnings. I stopped hanging out with them