lol

After hearing this, I wouldn't blame the husband for saying "Sorry mother-in-law, we're not selling the cattle right now. It's not the season. Let's wait until they're worth 100K. I may have married her, but you raised her and you co-signed that loan too. "

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Toe Tote yep. She could have been a stay-at-home mom for free. Borrowed $25k for school which is now stalling because she’s a mom?? Yeah, her mom has every right to be mad. I do have a feeling however if she was enrolled in school as in currently going to class, studying, etc. then her mom wouldn’t have an issue with anything.

100% agree with you.

She is a stay at home mom and she going to school I would never co-sign that mess

Me toooo

@YV-HE W. I raised 3 kids and I knew which ones would of left me holding the loan. Sometimes you just gotta say NO.

okay well noone really cares but ok

Ikr. 😂 came to a conclusion too early.

Lol

Yeah I don't blame mom one bit

Lol

Exactly!

Honestly if the husband brings home 100k I believe the daughters time is infinitely more valuable being a stay at home mom, raising her child herself than going to work. She only really needs to do this until the child starts school. But having the mother raise her own child & instill her own values in the child is priceless. The child will be much happier & healthier as opposed to being raised by daycare workers. Its not even comparable.

@John Kevin But how many of them do you know has a husband that makes $100k and is paying the debt off....I don't think you guys are listening to the video. Bottom line, at some point the debt will be paid off. I understand the mom is like "why did you go to school if you going to drop out and stay home?" but the thing is, she's back in school therefor there is no need to make payments and her husband is paying down some debt. Nobody is bothering the mom at all in this scenario. Also, there's nothing wrong with being a stay at home mom, and if the husband wants to pay off the $22,000 then what's the big deal? Either way, no one is bothering the mother, she's just attached in name which is her own fault for co-signing. My daughter is 12, in 6 years she will enter college, you think I'm co-signing? Nope, I'm going to show her how she can work and pay for college EVEN THOUGH I can assist and pay for it. WHY? because these are important financial things we all need to pass on to our future generations, it's not just for us listening to Dave Ramsey. My nephew is 4, my sister is not financially savvy and she askes me for insight also, I want to teach her and my nephew too when he gets older so they don't make mistakes we all have, myself included. My aunt Co-signed for me on my student loans, she should have not done so. I didn't fully understand at the time. However, I pay my own loans. She has nothing to worry about.

Exactly

Women should just not go to school (or go and dont take out loans) if their life goal is to be mom. I admire women who want to be moms, but going to school and accruing debt is just selfish and dumb. Plus, the college CC isnt fair to the husband.

John Hnat 😂😂😂

😂😂😂😂

Omgoodness 👍 😆😆😆😆😄😄😄

I sure need a drink after listening to her speak. Jesus, my head hurts. I pity the husband...

John Hnat 😂😂😅🤣

Imagine being her husband.

lol!

@ James Current HAHAHAHA!

"...Yah."

Me too 😣 why can't they have ALL these info before they call

Journey to Finding Cam she’s just having trouble communicating. She’s saying she has 25,000 student loan and 22,000 of other debt compromised of 10,000 his student loan, 10,000 car loan and 800 credit card.

Why do people like this call up Dave when they can't answer questions? Especially knowing you have a limited amount of time, and you might be nervous, so WRITE IT ALL DOWN, every bill, every minute item that he may ask you. wow!!

....or maybe just confusion. That's how you get goofed up financially.

That's how I feel about a lot of these calls.

@@roxannegordon6162 and they've watched these vids otlr listened to him before!!!

Lol I feel like a gem too

I love the way you worded that 😂

Calling yourself "a delight" makes me understand why he thinks "your ways" are annoying

Getting a little uptight in your mommy’s basement?

Yaaasss!! Same here sis... Our husbands are suuuuuuper blessed lol

Mr. Ramsey was the source of the confusion! He keeps throwing this $22k number out and the poor girl never even said $22k! He asked what other debt she had and like anyone would she gave the total of car loan, husband's student loan and credit card - then when she mentions debt snowball Dave freaks out! Dave was most definitely the source of confusion here!

@@blueonyou if she'd had said the car was 21k he might have given different instructions. He wanted to break it down

I guessshe idn't figure out when to start :)

To be fair, she is probably attending school part-time, 2-3 classes a semester. It's not as easy to calculate when you'll finish the required classes.

When you're a part time student, you really don't know when you're graduating.

R Dy that’s what I was thinking

@brandon I agree. 😂🤣😂

That's the main problem. Being in debt from an early age these days is making everybody numb to debt, so a lot of people don't loose track on what's owed. It's because they do not feel the debt.

And remember she wants to be a teacher 😂😂😂

That's harsh!

I would have asked to speak to the cow

for real lol

I have no reason to believe that anyone else in the household has any better handle on things. At least she is calling and not buying cattle.

@@greenAbbot didnt she say that the husband had then since he was 6?

@@Montai cows can give calves for around 10 years. If he had them since he was 6 and they still bear, he has to be no older than 18. So i dont think so.

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Regarding to this comment- it seems like her child is not the only one that is special ed,lol,jk..

That sounds like a guidance counselor

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Lol You saw Dave getting irritated

The cattle thing can easily be justified that it's out of season and they WOULD be worth 100k at the end of the season, but the immature product wouldn't be worth it as the care and maintenance would still have to be done until slaughter time. No one is going to pay $100k for a house that needs extensive repairs to sell it for $100k. The car might have cost 22k, but she only owes 10k now. A lot of people get confused when they have to publicly speak or speak to "famous people."

Agree, also the 100 could have been her thinking how many cattle they have at 3500 a piece would get her 35k. I am sure none of the commenters here have never thought out loud before...And Dave asked how much other debts she had, 25K, Not to itemize it.

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kolop1 you’re like the caller who’s disorganized. There’s a lot more than that $25k student loan. She ‘forgot’ to mention about $50k of additional debt which is why DR was annoyed

@@mikenelson8377 She is 75k in debt and her husband makes 100k a year. Maybe if she gets a job even making 25k a year, they could pay that all off in 2 years. She just wants an easy fix where she can stay home. She sounds lazy.

They're probably wasting money on the cattle

@@sentjojo All cattle and no hats. :). (I used to have sheep and cattle in the past).

@@iomis2001 she was working and she was not covering her cost for working. And her baby had to be in daycare. She's not lazy she's taking care of a baby and going to school at the same time.

But she didn't make enough at her job to pay off her debt.

@@lyndalamb3221 It’s the principle of the thing.

Lol more numbers just kept popping up and changing

i think theres more numbers shes not mentioning

Evidently, he is not telling her what she wants to hear!

@@WinterWind Dave's the one changing them, not her!

starwreck9 hope she has the looks

if they knew how to do that, they wouldn't really need to call.

How can you make a statement about a whole group of people when you’ve met less than .0001% of the population???

Needs to be a gif and make it a meme

She can work just a few nights a week as a waitress when the husband is home to watch the baby and easily pay student loans as 25k is around 300 a month.

Timothy Gibney is this your calculation for 7 years or 1 year?

@@timothygibney159 There is a reason she's a stay at home mom. She doesn't like working.

@@rickvangils100 Being a mom and a student is work. I'm tired of chauvinistic guys diminishing mothers for actually raising their kids instead of having strangers raise them.

Assets that produce good income or appreciate much faster than the interest on the debt can make sense to keep if you're very smart with money. Most people are not that way though.

It's not an issue if there's a plan to pay it off. The problem is most of the time there isn't a plan to pay it off.

@@TheRisky9 How do you pay off school loan if you're not working. That's the problem. No money earned, no way to pay down debt.

@@AnnMitt If you have one income and it's enough, then you can be a stay at home mom. If your parents decide to tackle the loan themselves, that will work. I think that would be dumb for your parents to do, but some do it.

@@TheRisky9 She's calling in the DR show. So, obviously she has a problem. Again, no job, no money, no paying down debt. Not hard to figure out the problem.

Right. They need to have a checklist of information available before they even call. Ugghh uuuu ii i uugghh I'm not sure.

Now you know why their finances are a mess.

😄

Lol

they could've reproduced

She said they sell them and it goes towards a car loan. So they are clearly breeding the cattle for profit and he has probably kept a few to breed as the mature and sold older cattle.

them heifers can get up to 300 years old.

I just feel for the guy. The cows are probably his only escape from her stupidity, and she will go running to him and try and force him to sell. I hope he gets a say in things, because clearly she does not have a good grasp on finances.

My uncle still has cows from when he started his farm 19th years ago.

"How much are the cattle worth?" 100....I mean, probably just under, 100.... "35."

Arlene Forde 2 guarantees in this situation: she doesn’t finish her degree and they don’t sell the cattle

If your name is on it, it might as well be yours.

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