Lots of red flags. 21 year old unmarried and pregnant. Bought a car she couldn't afford.. Low income.
@ianrobinson4763 жыл бұрын
AKA 25% of America.
@redcomic6193 жыл бұрын
Boyfriend with zero debt going to EMT school who PROBABLY won’t stick around...
@howlbeast3 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
@redcomic6193 жыл бұрын
HowlBeast Dealerships are some of the biggest crooks around.
@NumberONEdazaiosamudazaihater3 жыл бұрын
The father is chad or Tyrone
@richgenix3 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
@howlbeast3 жыл бұрын
Glad you were Headstrong n you saved yourself an headache
@richgenix3 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?
@howlbeast3 жыл бұрын
@@richgenix dang kid hope you get out of it and follow Dave Ramsey plan
@richgenix3 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-rn7oc3 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.
@esonon52103 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.
@cripplermaximus3 жыл бұрын
Sadly, you are 100% right. They got an endless supply of desperate people, too...
@stevenm7323 жыл бұрын
Exactly
@o0OLionHeartO0o3 жыл бұрын
Business as usual
@zunedog313 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.
@esonon52103 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.
@redcomic6193 жыл бұрын
Sometimes you make so many poor decisions, Dave is basically speechless.
@autistic-lutheran-carnivore3 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.
@Nixonskitchen3 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.
@mjbadboy143 жыл бұрын
I'll tell you where she went wrong. She wanted everything at once. A baby, car, house, boyfriend,...basically everything.
@Musicienne-DAB19952 жыл бұрын
@@mjbadboy14 Spot on. No concept of delayed gratification.
@jeanlenor18583 жыл бұрын
This is the kind of America that we live in. The "I gotta have it crowd".
@raymondcunanan50163 жыл бұрын
Spot on!
@AO-nr7kl3 жыл бұрын
Also the 'I gotta sell it' crowd.
@JakeLesser3 жыл бұрын
"I gotta have it *NOW* crowd".
@howlbeast3 жыл бұрын
26% jeez .. I rather be a simpleton in my own lane w/ lil money than to be a stunning wheeling in liability
@triad64253 жыл бұрын
Rent a center exists for a reason
@brianafranklin81643 жыл бұрын
The car people are not “idiots” they’re leeches. They’re not hurting for her ridiculous interest rate.
@SK-gi8dj3 жыл бұрын
They’re idiots too because she’s at such a high risk of default
@rickvangils1003 жыл бұрын
@@SK-gi8dj at 20%+ interest rate, her default risk is well covered.
@blackworldtraveler37113 жыл бұрын
@@SK-gi8dj They’re not idiots and know exactly what they are doing.
@TheLordBeast3 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.
@JeanValjean8752 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.
@JogBird3 жыл бұрын
she could have bought a decent $5k used car
@howlbeast3 жыл бұрын
I know right
@darlenepaul29343 жыл бұрын
That would've made too much sense!
@bluejay62293 жыл бұрын
I was thinking the same thing lol
@aolvaar87923 жыл бұрын
My bro in law just sold his Toyota corolla w/438K miles for $1000.
@hastycontemplation3 жыл бұрын
@@aolvaar8792 Wow how did he know it was 438k? My 2004 stopped counting at 300k.
@612osiris3 жыл бұрын
I didn't even know interest rates could go this high. If your interest rate is double digits, big red flag.
@bigchills71943 жыл бұрын
21% is max in Massachusetts. It’s state law. Not sure of others
@TheButtry213 жыл бұрын
I was thinking the same! Is this a buy here finance here kinda place? Its robbery!
@collectionofcells86563 жыл бұрын
She got the hood interest rate
@MrTmenzo3 жыл бұрын
Lol
@erickn79853 жыл бұрын
You ain't wrong bro😂😂
@TechWithJayMcCall3 жыл бұрын
😂 😂 it’s funny because it’s true!!
@mr.boostang20643 жыл бұрын
Facts, I moved out the hood a year ago and 18% APR on Altimas and Chargers was the most common thing ever
@stormb283 жыл бұрын
For real. Nissan will qualify anyone.
@bookishnatural3 жыл бұрын
Dave Ramsey was literally at a loss for words. 😩
@kidgoku22063 жыл бұрын
😂🤣 Fr
@sarahali33673 жыл бұрын
And that is extremely rare for him. EXTREMELY
@edwinl4233 жыл бұрын
He fears that if he find words he would become her Father.
@JoMama1234512343 жыл бұрын
The whole time hes thinking why did you decide to have a baby making minimum wage jobs!
@nicole47793 жыл бұрын
I feel like they usually screen these types of calls out
@jellyrcw123 жыл бұрын
I saw the title and went "yeesh!"
@The4P_3 жыл бұрын
Same
@TechWithJayMcCall3 жыл бұрын
When I saw the title! 👀
@bobrobertson1693 жыл бұрын
What do you mean
@dayinthegrind6883 жыл бұрын
When I also heard “I’m pregnant” oof
@mathieugillet3 жыл бұрын
My eye started twitching
@chasityeverett36683 жыл бұрын
Every parent that has a daughter just CRINGED listening to this...
@ShadowKiller713 жыл бұрын
Every person whose not a financial idiot cringed
@chasityeverett36683 жыл бұрын
@@ShadowKiller71 ...😂😂
@MilkPudding3 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.
@DrogoBaggins9873 жыл бұрын
Terrible situation with the car and it turns out that's the smallest problem she's got.
@literallynoone20933 жыл бұрын
Dave: My disappointment is immeasurable and my day is ruined.
@franco5213 жыл бұрын
🍗
@ManuelLopez-ev7ud3 жыл бұрын
Review brah???
@tmusa20022 жыл бұрын
Love Brah!!!
@BrendanEvan3 жыл бұрын
Those auto loan rates are borderline criminal
@appleforever66643 жыл бұрын
Why? This is America! She messed up!
@jessitabonita3 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.
@lexithompson74263 жыл бұрын
Nice comment .... Where are you from ?
@timdenny19912 жыл бұрын
Dave's "tough love" speech! 😀
@jaysmith60133 жыл бұрын
My God this girl is the poster child for stereotypical bad decisions.
@Musicienne-DAB19952 жыл бұрын
Stereotypes often are based on the truth.
@jazzyj66402 жыл бұрын
Aww, how is that? Just because of the car?
@bignigga14162 жыл бұрын
and dave expects the man to pay off her debts lol
@anthonydavis34242 жыл бұрын
Birth control only hope
@crackthecode15783 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.41313 жыл бұрын
@Dave Kop you don’t understand sarcasm, do you? 😂
@hastycontemplation3 жыл бұрын
Shouldn't this be considered usury?
@crackthecode15783 жыл бұрын
@@hastycontemplation you'd think, he also had an elderly lady call in about a personal loan with an 80% interest rate
@806texan3 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.
@TrueNirvana693 жыл бұрын
Her: I did a stupid thing. Dave: Your boyfriend needs to man up!
@bignigga14162 жыл бұрын
exactly, blaming the bf for her decisions
@Dailyfiver2 жыл бұрын
Well uuuuuuuuh, that guy DID get her PREGNANT and now her problems are his problems.
@bbkyjohnson2 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!!
@matthewbarry20793 жыл бұрын
I thought my 4-6 percent interest rate was bad... good grief!
@JH-ot5mn3 жыл бұрын
@Rachel Sheldon lol, it's utterly awful for a depreciating asset.
@truthteller55213 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. 🔑
@bobbydouglas163 жыл бұрын
Same
@aolvaar87923 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.
@KnockoutInvesting3 жыл бұрын
That's high lol. You need 1-2%
@MillionaireMindsetClub3 жыл бұрын
26%... god give me strength
@BrownBrown2703 жыл бұрын
What do these people think?
@micahparks51153 жыл бұрын
EMT school is only a semester long. Just finish the EMT school and continue to work at the grocery store.
@chrisreynolds63913 жыл бұрын
Honestly with a baby coming EMTs only make $15/hr. Daycare is so expensive.
@mph58963 жыл бұрын
@@chrisreynolds6391 Depends nowhere you are at. MY area EMT's are not making that much.
@Moli373 жыл бұрын
@@mph5896 even in Cali EMTs only make $15-16 an hour.
@Mafiaman6773 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.
@bigchills71943 жыл бұрын
@@chrisreynolds6391 still better than a grocery store
@BrandonTurpin833 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.
@jeffreywhitaker51543 жыл бұрын
YESS! EXACTLY WHAT IVE BEEN SUGGESTING!!!!!!!!!!!!!!!!!!!
@yolandaking45833 жыл бұрын
I totally agree with you Brandon to see who actually followed the advice given and the productivity the have made.
@bigchills71943 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
@jeffreywhitaker51543 жыл бұрын
@@bigchills7194 true.
@Tunechi652 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
@yashpatel31233 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-ko4fh3 жыл бұрын
*thousands*
@victorpadilla69643 жыл бұрын
Dave’s solution: Marry your boyfriend so he has to pay off your debt.
@ethanbasham42883 жыл бұрын
Dave's solution: Grow up and start making adult decisions for yourself and more importantly your child.
@JM.TheComposer3 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.
@tjandcj1233 жыл бұрын
You know it. Straight up hood loan.
@silverltc27293 жыл бұрын
I like how Dave blames the guy for the car 😂
@colin18183 жыл бұрын
He blamed her too. "You were desperate for a car and just signed whatever they put in front of you."
@meymay113 жыл бұрын
Bc Dave believes men should take care of their families especially if a baby is coming.
@innovateandinvest3 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
@z0408803 жыл бұрын
That's Dave for you! Doesnt matter..blame the man. lol
@RTS_20083 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.
@pasdro7777 Жыл бұрын
Get married? Tf he on🤣 “you got a finance problem? Get married “😂💩
@JakeLesser3 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.
@labornurse3 жыл бұрын
You get more welfare unmarried...
@adriancastillo58123 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
@brkfst4dnr3 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-pz7om3 жыл бұрын
Makes you wonder
@genxx27243 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.
@SilentPlayer19993 жыл бұрын
Im sorry Dave but them getting married is not gonna fix anything.
@shiniquayakaachmiff68983 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.
@chookchack3 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-yk8su3 жыл бұрын
This is Philip McGraw advice
@thebearishbull26523 жыл бұрын
Very sad call 😔..
@TechWithJayMcCall3 жыл бұрын
Dave when he hears the interest rate “You got messed over didn’t you?”
@newtonraymond773 жыл бұрын
Yep because the word that fits is too hot for TV
@TechWithJayMcCall3 жыл бұрын
😂 true!!
@Higheyequez3 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.
@rashffee3 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.
@cathyosullivan7183 жыл бұрын
Dave is such a traditional and good man!
@lexithompson74263 жыл бұрын
Nice comment .... Where are you from ?
@folives47413 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.
@timmy469753 жыл бұрын
It's one of those calls where all of the air leaves the room multiple times.
@fivefivesix-sevensixtwo41142 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.
@MrOccyc2 жыл бұрын
A lot of people are so concerned about what they look like in the eyes of strangers.
@danclapper6263 жыл бұрын
Crazy people do this. Get established before trying to have a family.
@tomdrummy49843 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.
@DisabilityExams3 жыл бұрын
Bingo
@Beatyofeet323 жыл бұрын
And if you're woman enough to make a baby?
@bigchills71943 жыл бұрын
Takes two to tango... ya know ... women’s rights and women’s lib ? They don’t want a “man” anymore
@MariaMaria-by6ff3 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________Commenter3 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?
@bigchills71943 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-vl4mb3 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
@Wellington205i3 жыл бұрын
Nobody forced her to sign the contract on the loan. Every company is for profit. 🤷♂️
@peters.63433 жыл бұрын
@@Wellington205i that's not profit, it's theft!!
@hastycontemplation3 жыл бұрын
usury?
@JesusCervantes-vl4mb3 жыл бұрын
@@Wellington205i exactly!!
@NAJMFAN3 жыл бұрын
This is really sad! I feel bad for the baby she’s gonna have.
@dieudonnevilsaint67253 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.
@dieudonnevilsaint67253 жыл бұрын
@@saulgoodman2018 Why.... what?
@schawnettarobinson85843 жыл бұрын
She has a lot of problems especially in the foreseen future. It is sad.
@KingPigeon8913 жыл бұрын
@@saulgoodman2018 because the girl made lots of poor choices
@jamesrichey24343 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.
@howlbeast3 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
@jeffreywhitaker51543 жыл бұрын
True....but you kow that this is what we don on SM lol. It makes us feel better about ourselves.
@ab65513 жыл бұрын
He sounds selfish low key...he needs to take care of his kid.
@j.asmrgaming12283 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.
@bigchills71943 жыл бұрын
@@j.asmrgaming1228 hey my friend don't you know it's popular to be anti-male nowadays
@Bushidough3 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.
@Emens_Travels11 ай бұрын
I was in a similar situation for about 6 months (not pregnant) but I was tired of driving and breaking down every couple of weeks on the way to work. Ended up refinancing and got a much better deal all the way around. Dropped my payments more than half and went from 24% to 6%… It is doable but takes a bit of extra work and a lot of patience. I thank God that he gave me the strength. Now I have a great reliable vehicle and don’t stress every time I head to work wondering if I’m going to make it.
@cruciferousvegetable3 жыл бұрын
Get an adult trike with a basket, eat beans n rice and learn to code.
@garrettstevensen24673 жыл бұрын
Agreed 100% with this.^
@srdjr67602 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
@robertspeaks87363 жыл бұрын
WOAH, you know its badddd when Dave asks “can your family help you with that [$4k loan]?”
@logdon173 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.
@genxx27243 жыл бұрын
Sad but true. I can’t imagine giving my flesh and blood away, but they should have been more responsible.
@polyglotsjourney3 жыл бұрын
"The car needs to go. Bye bye!" Simple as that.
@skunkycatog3 жыл бұрын
I hear onlyfans is paying
@offerskirksey22553 жыл бұрын
She would probably make more money than she's ever touched in life too
@ThePooppantsman3 жыл бұрын
If that was the case then only fans would be nothing but black 20 years old for people with knocked up fetish
@kidgoku22063 жыл бұрын
Fr
@ps-yk8su3 жыл бұрын
Jesus is watching
@chYnaRIP3 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.
@tonyspicer66913 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.
@Kysen103 жыл бұрын
eventually doesn't mean much when the kid is due in a few months and she has a huge loan right now.
@dimoniebermudez43883 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.
@dimoniebermudez43883 жыл бұрын
And provide for his family
@rockytheafg3 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.
@rockytheafg3 жыл бұрын
@@Runco990 Yep, you know it. The moment you leave the car dealearship, it looses value.
@erwina47383 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.
@rockytheafg3 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.
@er.l12163 жыл бұрын
Why is Dave telling them to get married? That’s terrible advice just because you have a kid doesn’t mean you need to get married
@miketheyunggod25342 жыл бұрын
Married by Friday? 😆. He gone. 😆🤣.
@teamtakeover73173 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
@adriancastillo58123 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
@backoff34773 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.
@ftrucker87533 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.
@Addison7372 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.
@legendstrength2 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
@jvolstad3 жыл бұрын
Boyfriend needs to marry her tomorrow and then join the military.
@cloudedcolour53293 жыл бұрын
and he'd be away months at a time, may not wish to be in the military or marry her, ever consider that?
@jvolstad3 жыл бұрын
@@cloudedcolour5329 it's not an easy profession, but it will help him to grow up. US Army Retired.
@cloudedcolour53293 жыл бұрын
@@jvolstad and being an EMT isnt easy either, but marrying someone just because they got pregnant is a awful idea, plus its their choice
@jvolstad3 жыл бұрын
@@cloudedcolour5329 wonder if he told his girlfriend that before they started sleeping together.
@loserplanet3 жыл бұрын
"EMT school" is about ONE semester. He should be about done.
@KevinGonzalez-vz7rz3 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….
@stevoh50063 жыл бұрын
Bought cash cars only from 18-27 years old . Best financial decision to start my adulthood
@hastycontemplation3 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.
@specteranderson3 жыл бұрын
1500 will buy you a car that you will be constantly repairing
@teeduck3 жыл бұрын
Come on guys, she works 40 hours and is pregnant. Telling her to get another job is wrong.
@dagobaker3 жыл бұрын
they didnt realize she was living with the father of the kid
@infidelheretic9233 жыл бұрын
“Take the bit in his mouth.” A perfect metaphor for men getting married.
@shawmeck93233 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.
@0neofthem3 жыл бұрын
Love the calls where the car or student loans are close to or exceed the callers annual income.
@ps-yk8su3 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.
@mph58963 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.
@teresaboykin48613 жыл бұрын
Love how Dave tell it like it is. Period
@armchaireconomist86483 жыл бұрын
Papa Dave advising a young mom to drive her baby around in a hooptie. Solid Advise.
@WQQKIE3 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.
@richgenix3 жыл бұрын
How does she even get that high intrest
@ajh.41313 жыл бұрын
Predatory businesses that thrive on financially illiterate people. Simple as that.
@superblump873 жыл бұрын
She could have gotten a better rate, but that's the rate that was put in front of her and she signed...
@ominous4503 жыл бұрын
She got scammed
@richgenix3 жыл бұрын
@@ominous450 it’s robbery man
@MP-nj1qy3 жыл бұрын
"Get married by Friday" 🤣😂 I'll use that line on my next boyfriend.
@ethannaka18223 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.
@JillSullivan3 жыл бұрын
two words.. Birth Control
@dagobaker3 жыл бұрын
schools dont teach birth control or finance... both are killing her right now
@JillSullivan3 жыл бұрын
@@dagobaker I could not agree more!
@rottenejl13 жыл бұрын
$500 says she keeps that car
@newtonraymond773 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
@adriancastillo58123 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
@metaltera862 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
@TechWithJayMcCall3 жыл бұрын
Clearly getting that car was not a smart move but I wish there was something that protected young people from being taken advantage of like that. Aside from common sense.
@mr.boostang20643 жыл бұрын
There is, it's called parenting. Teach your kids the right path and they wont fall for stupid traps like this I was never taught either so I fell under the car loan trap aswell at a young age
@adriancastillo58123 жыл бұрын
@@mr.boostang2064 exactly I fell for the car trap too still paying them off but never again will I fall for it no matter how many email and letter they send me
@rachelgooden99813 жыл бұрын
She said ‘vee-hi-cle ‘ like Dave Ramsey
@greencase3 жыл бұрын
He only hires those that do.
@Aimeesund3 жыл бұрын
Is there any other way to pronounce it?
@552mustang3 жыл бұрын
Curious, how else do you say that?
@ajh.41313 жыл бұрын
@@Aimeesund I pronounce it without the emphasis of the “h”. For me, it’s just vee-i-cle.
@audibleadventures90043 жыл бұрын
@@ajh.4131 like the rest of the English speaking world
@spartacus30153 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.
@spartacus30153 жыл бұрын
@@saulgoodman2018 yes but needs job(s) that pays bills in the mean time too.
@spartacus30153 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. ?
@spartacus30153 жыл бұрын
@@saulgoodman2018 who said he cant do both?
@warikplaya3 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.
@wewhoareabouttodiesaluteyo93033 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!
@jeffwvu46023 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.41313 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.
@wewhoareabouttodiesaluteyo93033 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.
@Bestfriend-6503 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 😊
@G1OCK223 жыл бұрын
Not to mention EMT's also don't make much more than grocery workers...
@lexithompson74263 жыл бұрын
Nice comment .... Where are you from ?
@harknowhere3 жыл бұрын
Not where I live in, in New York, they make the same
@annatar64532 жыл бұрын
Ladies, farmers don’t buy cows if he can get milk for free
@AK-pz7om3 жыл бұрын
Absolutely no one: Dave: ....so where's the dad? 😭😭😭
@Ella05752 жыл бұрын
Do those people know what contraception is?
@Neddie2k3 жыл бұрын
What more can go wrong for this lady @ 21. Hope the guy doesn’t take off and lives up to his responsibilities. Oh dear, what a place to be at 21.
@blackworldtraveler37113 жыл бұрын
Her choice.
@TheVoiceTalk3 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-nz7dy3 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.
@emc597895 ай бұрын
21 year old unmarried pregnant with a huge car loan no means to support themselves. Talk about bad life choices…
@takigan6 ай бұрын
20-30% interest on a principal that's in the five figures will SINK you on a lower middle-class income. Those interest payments are STAGGERING, and completely unrelenting.
@LuckyLewis3 жыл бұрын
Glad she's taking these lumps early in life. She's going to be ok.
@MasterInHD3 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!
@pcer99733 жыл бұрын
Preach! 110% agree
@misterE-19893 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.