j monte the hesitation in his voice makes me think so too

Born and raised here, yes, $93k is awesome here! Birmingham is expensive but he can move to Huntsville as an engineer making the same and living decently on $30k.

by spending $92,700 that year

Lily Belle 87 I think he meant he can LIVE on 30k whilst making 93k.

he getting fleeced in the divorce . the usual

MetalMike56 how long did it take you?

Congrats

AWESOME JOB!!!!! I’m 28 with $21k in the bank. You inspire me!

About 6 years to pay off $50,000. $32k in student loans and $18k car loan. I paid off the car but finally wised up and sold it, bought a "lesser" car and made $11k on the deal instantly that paid off my student loans. The money piles up quick without any debt! Keep going guys you'll get there! Stay the course

Nice job! I'm 26 in roughly the same boat.. Just some advice.. with interest rates so low.. not worth having it in a savings account.. Your losing 2%+ to inflation every year. I save my $$$ in gold/silver of which I have 30k... Another 10.5k in a 401k and another 7.5k in a roth. Stocks, bonds, real estate are all bubbles.. Metals are not.. The FED printed tons of currency since 2008 and its showing itself in those bubbles.. Next round of QE will be bullish for commodities. Such as Oil, Gold, Silver, and were going to see inflation at the grocery stores. Check it out. Dollar index finished down -10+% for the year of 2017. Its about to get worse.. Protect yourself. Dont let the FED steal your hard work!

Same

You want a good man in your life now ;)

Yes! You say lost him? I say dodged a bullet!!!

a well deserved bravo

No such thing as a good man

Your ex was moving narcotics for a living

Yes.

you got that dead right!

Anne I agree! And, I’m sure emotional and physical as well..

@@lylaaxiom8750 nice one sided statistics. Also read infidelity in men get higher the older they get. That's enough for a divorce and alimony is not the norm statistically. Only when the woman gives up her career to raise the children for a few decades then gets divorced with an expired skillset. KZfaq commentors love to bring up that stat. There's another 100 reasons why women divorce more. Men and women are human and equally as likely to be terrible people. Humans are flawed...equally.

@Mitchell klein your life sounds sad and miserable. Sorry for you lol

Thank you. I needed to see this at 18 yrs old

They BOTH live beyond their means

J B h

No proper budget and at least for this guy a wife that spends everything, she is even willing to forge his signature to do it.

Wife.

J B 9 out of 10 people spend every bit of what they make.

GodFatherMPR The sooner the better. 🤷🏽‍♂️

GodFatherMPR did you ever get him ? Lol wonder if things changed for this guy

Lol

Keepingupwithjee I’m wondering too

Yeah. He needs grit.

Fill out the expense report! If you will not they shut down the card and if they do not fire you, you will pay your own way and fill out reimbursment reports

Jason Jones For sure

He definitely signed for that car and doesn’t want to tell Dave because he knows he’ll get chewed out for it

💯

Yep I've done the same thing over and over in my life and I didn't get out of it until I admitted it accepted responsibility for myself. This guy sounds like me 10 years ago.

He does Percocet.

I did fine making that in NYC. I don’t get it but I also didn’t have a spouse.

I see your comment was 8 months ago. How is your tree-chopping coming along? Well done for focusing on your debt despite a lower than average income. 👍

Get a 2nd job, I've been in that €35k situation because I only got 100 hours a month from my main job at the time. Had no option but to get a 2nd job, you're not saving a whole lot on €35k.

Yasss 🙌 🙌

Awesome!

Good for you!

please, mr. beans and rice was my father

accurate

🤣🤣🤣🤣

agreed

Yep!

I agree and why lie?

Not necessary car sale do some prity shady things on finance that can easily make 10k.

Prove it price his name is on it prove he sing post the video.

Yeah, I didn't understand that part. Sounds like the company card was for work expenses (as it should), but the caller used it for personal ones. No company in their right mind would allow that to continue.

Exactly! He stole from the company and committed fraud using his company credit card for personal expenses. The company should’ve fired him.

@@shanebernhagen5934 That is not what he said. He was using his own cards for travel and they reimbursed. He maxed them out. They will only pay the travel part.

@@heidithaw1072 You are right, I think they were his cards. Dave said he and his ex maxed out his credit cards which he was supposed to be using for work expenses. The fact that Dave said he and his ex used them and added 'supposed to be using for work' means he misused the cards and now can't pay them off. That is not the company's fault.

And with maxed out cards he cannot travel for work

This service engineer is financially illiterate... Choose wisely who you marry Too many simps will marry a woman and will acquire massive bad debt to satisfy the materialistic woman...

Ok, I'm fed up with the women slamming. Always the women. Let me tell you, just like Dave says, women nickle and dime, men spend thousands at once on huge trucks and boats = both are fools.

Yep. I’ve been there. There are times when I only had 15 cents to my name. It’s very difficult saving. And it’s even more difficult not spending..

@@matthewcastillo9951 It's easy to save. Just save it and don't touch it.

Ann you’re triggered

Yup

Yup

Noodilious I agree with you. He sign for the car

He probably told her to sign his name.

Yeah, that was fishy. But he can quit making payments. It will revert to her. His credit is shot anyway.

He got married, that's all there is to say. _Maybe_ Dave Ramsey has learned his lesson...

Ed he divorced?

He said she cleaned him out. Maybe he did have something in there... till she got to it. 😐

Honestly im 22 with no more than 40k in debt i paid some off already and im happy that im one of those who arent 22 with 100k i already made plans to not spend anymore learn more saving strategy ima start working for a dealership because am a very good sales man and put in a lot of effort and gonna use the money to pay off all my debt buy my house and car in full no payments considering i make the amount that i want and i spend it correctly but also save it correctly ! So im excited for my year of 2019 and what i hate ehixh i agree is that people make all this money and believe they can spend freelessely and not worry about debt lol

There are people who make millions a year and are still broke. Look at all the celebrities who file bankruptcy each year. Being broke is not about how much you make. It's about how much you keep of what you make. If your expenses exceed your income, you're broke. People who seemingly make a lot of money yet are still broke can't get their spending in check.

If one spouse is a huge spender and the other one is not, it can lead to all kinds of financial woes. I know someone whose husband went and got a nice car and put her name on it, and she had to pay for it (lease). She did not even sign to get the car and he got it because he likes it. She earns way more than him; but, he has poor money management skills and has gone through every penny she had saved, including retirement money, before marriage. Oh, he also opened a bank account without her name and changed all his passwords to the phone and email and won't tell her what they are ...after spending all she had and he is way older. He is super sneaky and hides things from her and they have a family together. I personally think "financial abuse" should be a crime.

The problem is people just remain broke at higher levels. New job? New salary? Then new car, new clothes, new crib, new trips. You have nicer things and do nicer things and have the same amount of money in the bank as when you were in school making minimum wage.

Miss desire Independance it’s enough for two people. Not enough for two families.

My mother & step-dad raised us on lower income than that. Trust me, It's way over enough.

Yes it is enough if you're not stupid with your money

Two families your crazy. Its barly for 1 in todays America with everything going up.

@@aaronsalentine7876 My mom raised us (2kids) on 30k a year, its definitely doable. In Orlando Fl, that's a decent wage

only way his story adds up is to realize he has an undisclosed drug problem

better than writing youtube comments about him

😂

Chris Baker wife.

90k isnt that much honestly

He likely worked his way up to 93k.

Chris Baker If I made that much, I would be financially secure! Sounds like he was keeping up with the Jones’s and a spendthrift wife.

90 grand isnt alot of money. And people often spend what they earn so no real savings.

I agree. probably used for non work related stuff

I think wifey used it.

Depends on the company but yeah most companies put it on you which is bad.

sounds like he voluntarily wrote his name down, he just didn't want to admit it to Dave

It happens. My parents divorced after 32 years... As soon as I moved out/graduated from college.

Gambling issue

My parents divorced after 25 years. My little brother died of cancer and they both coped in different ways...one wanted to talk about it all the time, the other couldn't talk about it.

Penguin1290 I’m so sorry about your brother.

The situation with him the the company card is crazy. How could his wife max it out, when it's most likely in his name. He or his work could press charges for identity fraud. They have the transaction records. If she's been to the makeup store, or he was at the electronic store, the truth will come out.

If that is the case then why is his employer not paying him until he pays it back? That makes no sense as can't pay it back

Why do you think older service engineers are like this guy? I'm curious.

@Elaine McMurren we install, repair, and upgrade equipment as vendors usually at manufacturing plants or hospitals; anywhere with complex equipment. I personally work at an Intel fab. Intel buys equipment from my company, and they call me to fix it or have other work done. I'm kinda like a mechanic/plumber/electrician that fixes only one brand of equipment for one customer.

@Sponge Bob I didn't say "I don't mean to generalize", I said "I hate to generalize". Big difference, the intent WAS to generalize, even if it pains me. There are some hard working older engineers, and some slacker younger engineers, it's not 100% either way- my point is there is a definite skew. There is a sense of entitlement that a lot of the experienced people get, and send the new people to do the tough jobs they don't want to do. The idea being sort of an initiation and that after taking your licks you earn the respect to not have to do anything over time. Young slackers quit or get fired (cuz they don't pick up the slack passed off by the more experienced people who the managers trust), and when talking about field work, the work is usually extremely physical; the hard working older people usually retire early or transfer to a desk job for medical reasons. I have worked for 3 different companies in 5 different cities, and of the thousands of field service engineers I've met, there's a notable curve. New hires are hit or miss (usually miss), but people who are able to make it 2 years or more are generally pretty hard working. Once you get into 5-10 years of experience, the exceptional people start getting promotions and transfer to desk jobs or retire, and the people who are feeling burn out start to just relax into the position and display the traits I outlined earlier. Of the people I've worked with that have worked 15+ years in the field, it is at least 80% like this.

Getting married is not the problem, women are the problem.

@@alexfarias5156 sound like the type of man that would blame a woman for you waking up in the morning. Grow a pair and stop victimizing yourself.

Women only want men when they’ve made it, not when they’re still struggling trying to establish something.

@@vp1165 he sounds like a loser incel.

Women want men not men-in-progress.

EXACTLY!

@brian matts never get married

He's part of the problem, but not the whole problem.

The wife decided to leave when she noticed he was about to loose the job.

He makes 90k but only has $300 to his name. Makes no sense.

Maybe Dick can get him a job at some in Vermont inn being a maintenance engineer.

Amelia Basia but if the car isn't in his name or is fraudulently and he didn't legally sign for it then how is he legally liable for insuring a car that her never bought? That is the question. Wife okey doked him.

Jeff Eppenger usually an underwriter would have to approve it if that’s the kind of case... when you call an insurance company the person you’re talking to is usually just a customer service rep so sometimes you have to be nice but firm and say you want to speak to a manager or something like that. People always get mad at the person who answers the phone, and usually they no power and aren’t the ones who make the rules.

Jeff Eppenger He would have to wait for the divorce to be finalized and then send in a written statement that he doesn’t own the vehicle in order for it to be removed or for him to cancel the policy.

Amelia Basia doesn't sound legal I would think he could sue his wife giving false info. There is much going on here we all don't know so this is all speculation but we all hopefully agree it all sounds wrong.

Jeff Eppenger it’s because legally you’re still one entity until a divorce is finalized. He said it’s not final. He definitely needs to sue her absolutely. But I’m just explaining how the insurance company sees it. He should just let the policy cancel by not paying the policy. That’s usually what we advised people to do if the spouse was unwilling to cooperate. Then he could just get a new policy in his own name.

19 with 26k i had 2000 when i was 17 keep it up and jump on any good opportunities. They say good things come to those who wait bs go get that money and secure your future

American and Rasmus, you will be a success in life

Yeah what’s he mean ‘not recently’ then he wasn’t sure. How would you not know something like that?

Ever heard of a mechanical engineer? 🤔

Exactly.

It's easier than you think. Be careful about the people you hang around and marry.

“Unlimited power of attorney”

Something is off with this guy.

ccpanel He's just beaten down by this divorce and it's making it hard for him to defend himself against a very gynocentric court system.

GrandLethal16 this very well could be so, sadly.

Something is waaay off with this guy. Can you spell “dumb as a brick” children ????

USMC 2MSU I have Alfa in Alabama. I have no clue what policy he is talking about 🙄

Same! I've never even heard of it!

You would be shocked to know what people do. I know someone who forged his in-laws name on their mortgage because they had poor credit and needed a cosigner. The in-laws did not file charges because they did not want to end up taking care of their kids.

I've never signed paperwork like that that wasn't in front of the financer so I don't even see how it's possible.

@@fabulouslifeinchrist1349 That's not possible. You need to sign mortgage documents in person. The co-signer has to be there in person and show ID too. Either this person you know is lying to you, or they found look-alikes to impersonate their in laws.

jean lenor how did yoy begin investing

SeekingJustice4Walder I found 2 deals and jump on the right away. I invest out of state but im moving to that state to grow my business more.

How did you qualify for the loan as a Uber driver?

fender7802 he doesn't think it sucks, he just finds it unbelievable how he's still getting the same pay after all those years

Sounds like a trade job, any other type of engineer with his experience is making way over 100k.

Ya well this guy on the phone is a lot older than 25.

Because there is a difference between a trade job and actually being an engineer. Like a bachelors degree engineer. Because off rip they make 100k

a w The only engineers making 100k strait out of college are MAYBE software engineers and engineers in the petroleum field. I would know because I am one.

You're in the black with assets, which is a position lots of folks would love. Good for you!

You paid off your house! Amazing, did you pay it off early by over paying on the mortgage every month?

$3,400 in savings is great! The average person has absolutely nothing in savings. Good for you!

Exactly my thoughts, I don't have much. I rent and I'm in control of my debt with a solid plan to reduce it to zero. I see my own brother and many others who earn more than me suffering from out of control debt and bankruptcy and it makes me feel kinda lucky that I didn't fall in the debt trap.

I consider myself well off. No house payment, no car payments, no other debt. Aleluya to my Jesus Christ!!!

Karen Ro he's an idiot

Listen and believe.

What to do if your spouse gets cancer

Karen, I agree. Might be an engineer, but doesn't sound like he's made good decisions. I believe he signed for wife's car and is in denial about it.

Yes hes suggesting that he didnt sign for that car, but it sounds like he did but didnt really want to say it.

You're the smartest person who's posted so far! Congrats on your frugalness and future financial freedom!

how old are you if you don't mind me asking, I have 12k to my name and I am 21

Dont mind at all . Im 26 years old sad but true .. And Im a HS drop out...

ok, 20k is my next goal. My first goal was 10k, once I reach 20k I plan on buying a used car with cash.

alex scott that sounds perfect .. ..

To be fair, I don't think the wife was an anchor. It does not sound like this guy is home enough to be with his wife, which would explain the loveless relationship and eventual divorce.

Bradley Maravalli society so quick to excuse bad behavior if it’s a female. The man is out providing for his family. Hopefully this guy takes a red pill and never marries again.

Aaron Deaton - redpill is marrying a trad

If she has never worked and been married for 32 years, he is looking at a buttload of alimony, potentially forever.

clubtc05 *their

Sarah Burggraf yasssssss!

You rock, girl!

Same but one emergency away from homelessness.

Broke

No emergency savings? What if you wake up with a flat

Lol