Pretend that you want to move and start a life together in the Dominican Republic instead of the US. If he ghosts you, than you know your answer

As an American born Dominican, I can tell you run fast and don’t fall for it.

The first case is like "I can barely understand what he is saying, but I know I want to marry him"

Regarding the first caller, I’m from the Dominican Republic and I can tell you that her “boyfriend” is desperate to leave the country and he sees her as his salvation 🤣🤣

"Pictures of him going to work" ..and he got fired for no reason... Run🏃🏾

First call is literally how my dad became a American citizen back in the 90s. Once he got what he wanted he left the women and got back with my mom. Terrible thing to do and never underestimate the desperation of those in poverty in a third world country.

I am 2 minutes in and all I am thinking is: RUN AS FAST AS YOU CAN!!!!!

1st caller......he's just looking for U.S. citizenship. He will drain you of what little money you have and dump you in a heartbeat. WAKE UP !!!!!!

The whole life salesman thinking he was gonna change dave's mind 😂

That first caller needs to RUN! I married a German who I sponsored. The bleep hit the fan and I was left holding the bag! Girl, for the love of your life, RUN! Listen to Daddy Dave!

lol this guy called in just to argue with Dave? 😂😂

To explain the first call. Dominican guy quit his job when he got his sugar momma from America sending him money, and is only buying time to come to the US to start sending money back home. Then after 2 years, he'll get his 10-yr green card and say good bye to sugar momma.

I appreciate Dave's concern and wisdom. Thank you for putting on your "Papa Dave" hat and giving this young girl some wise advice.

The Insurance guy literally called just to argue with Dave 🤣

“Life is hard. It’s harder when you’re stupid” - John Wayne

First caller is red flag, flag on the field, full stop, NO.

For the caller with the $430k in student loans: you most definitely can become a nurse with very little to no need for student loans. There are programs you may qualify to help you cover the cost of tuition and many courses from your biology degree will absolutely count toward your nursing degree. Then, I recommend you move to a relatively low cost of living area in Northern California, work for Kaiser, earn over $200k per year, and pay off your student loans in 2-3 years.

My grandfather was an insurance salesman. Took out a whole life policy on each child. His son died at 26 of liver cancer with a young wife and son. He was completely devastated to learn that the bill of goods he had sold everyone and bought into so much himself- that it was trash and there was nothing. Term life insurance is what he should have had and term actually serves the purpose of protecting a family from the lightening strike of an untimely death.

I think I would move to “the middle of nowhere” for 3 years if it made me 2.5 million dollars.

First girl sounds like one of those poor country guys picking up girls vacationing there, talk them into marriage to get his visa to US and then she's paying for everything or abandoned. RUN GIRL! I'm glad she called Dave and is paying attention to all his questions and advice. She's young and naive and the perfect target for an opportunist. Talk to my sister who did her thesis on tourism in Jamaica and the prevalence of scam lovers!

After that insurance broker call, Dave probably yelled at his assitant, "Don't let anyone like that through again!"

i am very impressed by how nice yet firm dave talked to the first girl

First caller - Don't. My friend did this and her " husband" used her, abused her and left her with nothing. So please listen to Dave, he knows what he is talking about.

I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Charlotte Miller.

"I did take my muddy boots and walk all through your house there" adding that to the vocabulary, brilliant ✨

We need an update on the Dominican Republic marriage

At 34 minutes: Preach! This is the craziest and truest thing I've ever heard!

For the dude for the 430k student loan, Military offers Repayment programs and they need health professionals. Benefits that no other company will give.

James broke my heart....what a difficult position to be in. I often thought about whether or not I would pass boards when I was in the healthcare field....and knew folks who didn't. So tough. And as far as the NYC woman---take the tundra job!!! I moved to a rural underserved population to pay off my loans and then fell in love with it---stayed for a decade. Now I'm retired at 56 :)

Scared for the first caller - you can’t even speak each other’s languages ….thats a must first.

first caller i know Dave is right. 22 years old, language barrier, ,no job and wants to get married? and only met 4 times/9 months is not enough to marry someone. I say just date or call it quits.

You gave that young lady EXCELLENT advice. I’ve been there. Luckily it just cost me hurt feelings and not financial ruin. I would have appreciated that information from a “Father-figure” when I was a young woman. 😊

Ha ha ha - what could possibly go wrong ??? 23 and 22, no English, no green card, debt, no job 😢😢😢

Case 1: spot on! Failed Medical student: Pharmaceutical sales or surgical instrument rep.

on that first call: if you marry a foreign citizen and bring them here and sponsor their citizenship, you are financially responsible for them for a set amount of time, even if you get divorced.......

the 1st caller need to RUN!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! She doesnt know anything bc she's accepting his excuses.

The Poppa Dave is awesome! Thanks for switching hats and giving this young girl advice. ❤

First caller: Run and don't look back.

Ok let's call a spades of spades, first caller is being scammed. Period.

“If it’s arranged properly” Arranged properly should be a given lol

Such a sad call. This lady needs to put everything on hold. Let’s see how long he can wait. I think Dave’s advice is perfect! Thank you for caring about her.

That is the nicest way of saying don't be bumb

That was such a loving response to her. I would have felt so protected and cherished if I heard that. ❤

girl run

Tell him you will live in dominican republic...see how keen he is

This girl also should know that she will be expected to financially take care of his parents because their culture expects it.

The medical student who couldn’t pass boards should go to CRNA school. Find a hospital that will hire Associate Degree nurses, apply for hospital to pay for him to get RN Bachelor’s and then off to CRNA school. I bet a lot of his prior classes will be accepted.

He playing her lmaooo

Call 3. Nursing is the way to go. Go to a community College. 2 year bachelor's. Become a nurse and work you way up to nurse practitioner. Gonna take some time. But he will make decent money to pay off the debts and live. And nursing is a very honorable career path

Omg it wouldn’t be a question for me if I was offered a job at 850k I’d live wherever. 🥴🥴

Surgeon’s wife just does not want to wait one extra minute to buy all the things, does she?

To the guy who failed the boards… medical sales. Get a job at a pharmaceutical they pay well and your knowledge is very useful.

$800k living in a cheap rural area? You can basically retire in 10 years if you play your cards right.

First Lady is oblivious smh

As an American-Dominican, my advice to her is to never, ever, ever talk to that guy again and to never, ever, ever consider marriage in the Dominican Republic. I know I’m Dominican, but unfortunately, our culture often embraces fraudulent behavior, praising it as ‘tigueraje,’ which could be translated to English as ‘Con-Artist.’ While I am an exception due to the upbringing provided by my parents, I represent less than 0.5% of Dominicans.

I love that every life insurance salesman that tries to defend whole life always says "if the policy is written correctly" when confronted with an issue. Yeah that's the problem, no one writes them like your ideal case - including you!

The guy with 430,000 in student loan debt with a major in biology/science along with the full term of MD study even though he has not passed would be an excellent candidate for pharmaceutical rep

Oh my gosh the lady asking if 500k and a 3 year commitment a year is worth the move to get out of debt quicker 😂 moooove !! As someone who has lived that far north, it’s amazing and you’ll be fine 😂

First caller even knows how crazy it sounds when she says it outloud. 🙃

First caller, “ DON’T DO IT “ you will end up supporting him and his family he might have a wife and children I seen this before they will swoon you until you fall then they take control my advice “ STOP “

“Hes from the DR and has no money…sooo I’m 40k I debt”…lol

For second caller, have you considered being a pharmaceutical rep? If you have great personality skills and aced the chemistry part of your education, it might be a fit.

The dental school thing. If you want a diploma from a high-end school, take every possible unit you can at community college and no name schools and transfer everything to the good school and take the very few units left to get the degree

The doctor's wife and Doctor should consider the tundra. They might be surprised by the peacefulness and the pure beauty of the place. Also, people around there will be super happy to have y'all there and welcome you with open arms. They need you there. You might find a super tight community there. These are all in the past, but food for thought if someone else is considering this. Obviously, I grew up the opposite way on the sticks raising and growing all of our own food. We were green before green was a term, as in we composted, and grew organic food, and all that stuff. I go back and forth between wanting to live very rural and living in the city. If I was married I would probably want to go rural, but the city is easier for me to meet people.

i love seeing an advisor call out a bs salesman.

Dave is spot on. What about the military? They have programs for doctors.

the insurance guy was so mad. lmfao. he was seething!

She is so young I am so glad she called to hear those things

Im surprised Dave didnt ask the first caller if shes sent him any money. If she did, RUN!

The second guy with $400000 medical school debt and no medical degree….I’m so sorry…. That’s horrible…

@Dave I love your "5-minute father" advice, you are spot on and I wish you had been around when I was 18-24 yo. I am grateful that you're here for the next generations. I hope they listen.

To the tundra woman: Go for it, the tundra may have a lot to offer. It’ll be an experience you’ll never regret. Just don’t eat the yellow snow.

I’ve been married 18 years and used to even work with my husband when we were dating and I’ve never seen pictures of my husband going to work. I think Dave gave great advice. Probably the most concerning thing though is the language and culture barriers. Communication is so necessary for longevity in a marriage and I hope this young sweet lady, who is smart enough to ask questions, considers how she may feel if he comes to this country using her and then leaves her or leaves her to be the provider while he hangs out.

Omg that insurance guy! Exactly what I hate arrogant salesmen. Ugh.

The first call is why I watch as much as I do. I wish I had a "Papa Dave" in my life.

The ins guy is my fave call 😅

I loved Dave before this but gained a lot of respect from him on this one being a father figure

The caller that failed the med exams X2..........he isn't telling something

Run, Run, Run!!!!!!

First one he probably just wants a green card I watch 90 Day Fiancé you can tell which ones are the users

First called this is a NO-No,

I love his ranting, it's an eye-opener

Oh Gosh, that’s a good argument and David can hold his ground!!!! 🎉

Dave you are spot-on I believe that girl needs to run

I have sincere and significant love and respect for Mr. Ramsey. I would bet banks, whole life insurance and time share companies do not share my opinion.

Good advice to the first caller marrying the foreigner. I made this mistake. I wasted 5 years. Deep hurt lingers.

I remember the first caller. I like that you tell it like it is Dave. I've been listening to the Dave Ramsey show for 13 years now and it did change my mindset.

I don't mind people people having babies when in debt having babies, at all. Thanks Dave.

The second guy is full of rage and just wanted argue. Ridiculous

Dude, that guy who went into debt for medical school then couldn't pass his boards...holy moly. Nightmare scenario.

Dave is sooooo right!!!!! I had the same feeling when she said he lived in Dominican Republic.

Life insurance guy is insufferable

I’d rather watch these Dave reruns than new shows when he’s not there. The others just can’t carry the same water

Key words “If set up appropriately” 😮. Dave Ramsey is right!

Both term insurance and whole life has left me set for life. I was 66 years old and disabled when my husband passed away

Glad glad to hear some Dave again I was not available for a while Love what I always learn from you .. Thank you Mary Ann from Texas

For the guy $430K in debt for medical school. He failed step exams, likely step 1. I’m an MD and managed to take on no debt by joining the Army. I’ve advised my own kids to NOT go to medical school. The cost is absolutely ridiculous and taking on that debt with all it takes to make it through is perilous. If the US wants the primary care doctors it needs, we’ll have to subsidize medical education.

Dave is an awesome person!

Thanks!

This situation is truly frightening. Run, run, run away!