My husband I were over $45k in debt in October 2019 and now we have $5k left doing Dave’s method 🙌🏼 the pandemic slowed our progress a bit since our kids now have to do online school and someone has to be home with them but we kept hustling as much as we could. Should be paid off by June. THANKS DAVE!!!

This call had a real intervention type feel on it. I like when DR goes hard.

They need cheaper rent...asap

I love the calls where Dave gets like this and gives them the motivation!

Dave: What’s your house payment Caller: $2250 Dave: Uhm Caller: We rent Dave: Uhm

Need to reduce their rent too. Especially with him working on the road

Huge turning point for this lady. I am glad to hear she is ready for the change.

2250 a month for RENT, ugh.

Their rent is way too high. They can almost clear the 10k in the first year without making any changes to their lifestyle by just reducing their rent by 500 or so.

“You’re not going to see the inside of a restaurant, you’re broke.” 😂😂😂

Don't return the baby to the adoption agency once that gets too expensive.

$2200 a month rent has to change

Bankruptcy is unfortunate, specially for a car .

This lady is thankfully not bankrupt. Some motivation from a coach or peer group should keep them going. Take care of your food, utilities, shelter, and transportation and the rest is essentially a game. She's got this.

Dave you are so right. I did a no spend challenge this month and I did so great. I did feel like I got a raise.

They are in a rental that they can’t afford.

The Dave Ramsey team does so much good in the world!

One of the best calls I've heard in a while. Good job Dave

If she follows the plan, they'll be fine. Great to see Dave going through some of this stuff still.

Just remember things could always be worse.

Saving people's lives. Keep up the great work Dave!

I always feel better about my situation after listening to these calls. Good grief🤦

I hope they follow through!

I'm petty enough that I'll file bankruptcy just to stop the garnishment. You wanna play? I'll play right back...

Loved this one. I hope we can get a follow up on it in 12/18 months time. See where they improved and what they learnt etc

its tough being an independent contractor, 1099 etc., in which taxes are not withheld, or if you deliberately under withhold - the temptation to spend money needed to pay taxes. The IRS comes first in any budget. I ate rice for a few months in college, not sure if that is the lowest cost per calorie. Now, I have many excess calories that I wish I could send back in time to my younger self

$2250 a month for rent!?!?!

I agree, find cheaper rent. I know a person that pays $1,500 for a one bedroom apartment with a garage. That is close to downtown. They might have to down grade their living situation. However, $2,200 is average rent from what I've seen.

I want to know what they’re renting that’s 2200 bucks smh that rent needs to go down by about 1000 dollars

Save this family, Dave! 👏🏻👏🏻

Nice work 🎆✨🎇

HOLD THE LINE $GME

This couple never met a debt they didn't like. And then they want to adopt? Get put off debt first. You got in, you can get out.

You can do it girl !!

Why would they take 20 cents on the dollar if they get a judgment? They have the leverage at that point.

Hey Dave

Papa Dave is the best

Beans and Rice, Rice and Beans! Love it 👍🏾😂

My rent before I bought my house cash In July 2020 was $250.

I wonder if Dave would recommend bk if there is a judgement for 1 million against the person.

Lord Have Mercy

woah. i have no debt, and this video gave me the strength to pay my non-existent debt.

1st thats rent too much !

That rent payment ouch

This couple is going to be amazing!

Explain a man working as a truck driver in oil fields is going to make 60 K In the ballpark between 40 and 80 K when oil production has come a halt in the US because of a pandemic.

I’m glad Dave side with the caller but I cannot help but feel sorry for the loaner. In theory, people should pay off the loan they borrow. Some people these days just hurry to borrow, sign promissory note, enjoy it and later try their best to not pay back. Crazy world we turn into.

WITHOUT WAR I mean. Stuff is Crazy right now you stick together or your gonna fall

I am so glad I don’t have any debt!

These landlords making a killing

Great review on this topic!

RICE AND BEANS AND BEANS AND RICE BABY

I need advise on selling and buy a new home.

He needs a better job....plenty of 60-90k truck driving jobs out there. I have one and am home every day

Claim bankruptcy and get 2 years of your life back. Don't give it away to pay all this back. That's why we have bankruptcy. Money is time America.

Hi Dave. My husband is an auto technician and makes decent good money. Its obviously a very physically demanding job though he will not be able to turn the hours in he once did maybe in the next decade. He is 40. Trying to help him (while he's at work) come up with a plan B. What we can invest in, how to get retirement, other employment options. Im at home raising our 3 kids. We are just thinking ahead. Thank you for any advice

What’s Dave’s opinion on the GME situation?

This sounds familiar? Is this one old or are callers just too repetitive?

I make over $300,000 trucking in the oil field

Now I've never had debt. But I dont like the snow ball approach

Not when you own GME

Buy GameStonk and you'll be out of debt before the end of the week.

Rachel has a nice look today!

Ramsey never addresses this but there's a air of dishonesty in the live on debt crowd. now as far as business is concern its tied to investment in to companies. they give the analogy of use other peoples money which is a tool when you are getting investment for businesses or projects which is your selling stake in what your doing and people pay in like investing in a movie and if the returns are big they win big if it falls apart it fails. debt leveraging people say the same thing but with personal finance not allowing for the change in the loan being a promise to pay back tied to your name it's not a investment in you its holding you to your word of servitude, debt leveraging people are saying don't plan to pay it back if it goes wrong just ditch and avoid so you rack up debt eventually with the thought of not paying it off with their plan. that's dishonest and destructive to peoples lives. CEOs do it but that's not in anyone's name the company as a intity goes down but everyone gets paid then fired which is bad but not personal. asking people to permanently live that way is stupid because you are playing with ur food money and dishonest graging your name into the toilet

This call make me cry 💔 they can do this 💪

Hmm. Ramsey Solutions ... middle name Heroes.

They are probably going to do it for 6 months, then give up. They are 7 years away from getting out of debt.

You mean there's no get out of debt free card?

How do these people sleep at night? No debt = no problems

Haley’s comet.

This Hailey chick needed a budget, like, two years ago.

Awe that's too bad 😔

Lets get Dave to talk about GME!

The ONLY reason Ramsey opposes bankruptcy is because HIS business profits when you follow him and don't file. Hailey and her husband NEED a Chapter 7 but Ramsey would prefer to see himself profit.

GME, Robinhood, WSB, how do y'all feel

😁✌🖖👌👍 😎

10th

Can Rachel get any cuter?

bussinnesses need to stop just being in business for a profit . i dont like the way businesses are nice when they are trying to get your business , but the second you owe them money look out, that niceness goes away very quick .

Dave gaslights people a lot. Lol.

Oh no... The dirty "B" word 🤢