I can’t imagine retiring while still owing $400k on my house. Crazy

Still spending like crazy with cc while bringing in over 100k??? The older I get the less junk I want.

This is insane how much money people can make and just consume all of it

My grandparents were still refinancing their home in their 80s & taking equity out and now my grandpa has passed and my grandma needs a nursing home and still owes over $300k on her home. She might get $100k back said and done. They didn’t just put herself in a bind, they put her kids in a stressful position. So it’s not just about us when we make poor money decisions, it affects those we love too.

We all know she ain’t cutting them cards, she just swiped them at this moment

I always find it funny when people are asked how much debt they have and they come up with a number, are asked if they have a car loan and now that number is bigger, finally the mortgage and now the number is even bigger. How much debt do you have is asking for all of it

I don’t care what anyone here says, you can live a comfortable life on half of what they make. Living cheque-to-cheque on $100k is ridiculous. Shows a lack of maturity; bar some exceptional circumstances

I learned that love doesn't pay the bills. Through experience, bad decisions at a younger age, and starting over, never get in a relationship with a person that doesn't manage finances as yourself. I don't have the energy to teach the unreachable concerning finances. Yes, you summarized it, I am single with my finances from A- Z in order. Just maybe if I am lucky a special lady will come my way!

My husband is still working and will be 68 in April. He loves his job and we don’t want to live like these people in retirement.

This woman has given me hope for the rest of my life. Thank you so much.

These phone callers are sometimes funny. They get advice and just mumble a yes but you can feel it's in one ear out the other

I love these two together. I think it’s nice that there are different personalities in the show

Thank God my wife and I are on the same page financially. If going into marriage and you care about finances...you have to find someone on the same page...otherwise dont bother. Many of the people that call both went into marriage with no care about personal finance and it sometimes clicks after they get married and both are doing own thing. Very rare to hear two were good with money from start and they fall away from that and in get in trouble.

Christina is right, the lady should take accountability and don't wait for her husband to jump in. Set an example first because you shouldn't be retiring anyway in your situation.

I don’t think you should go in to retirement with a big mortgage 😮

Why does this woman think she can retire?

Kristina is actually holding this woman accountable for still using her CC and refusing to cut it up. This caller is crazy to retire when she still owes $411K on the house. What made her think it was a good idea to retire when she still has a big mortgage payment??

Rachel is the best of all Ramsey personalities; I could watch her videos all day.

I think she is off to a good start; she is being humble about the whole thing, she recognize that she did wrong and wants to fix it, she is not blaming her husband but coming to him for help working together. Best of luck and I hope it works out for them.

The wife has zero chance of getting the husband on board when she's not walking the walk herself. She needs to get her habit cleaned up and then go to couples counselling to try and get on the same page as her husband if they can't do it themselves.

Spending problem.

That old and still owe 411k on house...what a mess. She needs to go back to work...or downsize they are in a mess.

We need Dave on this one.

Sell the camper yesterday. Stop going out. Rice & beans, beans & rice.

Retired with $500k worth of debt ant no money. What a mess.

110k, and living paycheck to paycheck?

How can you not know what your payment is for something you bought and are paying on monthly? If her husband did it she needs to know what happens if he dies?

It’s crazy how ppl don’t know their payments. How do you not know your house payment? Your car payment? Your card payment?? You’re way too grown to not know what’s happening under your roof and in your pocket

What a hot mess but unfortunately tens of thousands of people in similar hole like this.

I work so hard to make sure I owe no dept as a single mother life has not been easy

Un-retire pay off your debt. It isn't we have debt, you have debt. What are you buying?

Finally, it takes the women at The Ramsey Show to start holding other women accountable. Great advice ladies

People get a raise and think they're millionaires🤣🤣 This goes to show that money is money no matter what amount and needs to be managed.

People are absolutely mental when it comes to finances

3:00 "Get your scissors out, and cut them up tonight!"

I have so many questions, main one was WHY DID SHE RETIRE!!! They need to cut the cards but she's not because they clearly aren't budgeting and working together. The husband is doing his own thing and honestly it sounds like he came back to the marriage physically but clearly he's not Back emotional in the marriage because she keeps talking about I have this, HE has this. There is no oneness at all in this relationship. I wish her luck because it sounds like she understands the issue and wants to fix it and work together but getting him on board is difficult. Money management is just one issue they need to get to the root of the issue in this marriage first!

Thry just arent on the same page, as long as they aren't synced up, this isn't going anywhere

My gut instinct is that there is more debt than she knows about and that’s why he’s trying to keep her away from the numbers. He’s ashamed that he’s not handled things well and ashamed for her to find out to full extent of the hole they’re in.

But she is spending? She can work and still collect Social Security. She should get a part time job and pay those cards off

Dave would have asked how old are you and are you able to go back to work. Also would have picked up on her comment about doing a budget without her spouse.

Sell the caller

Rachel, amazing and inspirational help. I hope Polly takes it to heart.

They are living a lifestyle they can't afford.

So, how come you retired? Clearly you couldn't afford it and still can't. Polly wants to get some magic and won't follow the Ramsey plan.

Why retire completely if you're able-bodied, have a means of commuting, and have debt??? That seems stupid. Even getting a part-time job would help. DUH.

Has crazy debt and retired. Make it make sense lol.

Leave Denver, too expensive to live there

She didn’t want the smoke from Dave

They are spending above their means. Two men children living together, yup.

I can't imagine in 2023 people (and women at that!) will call and imply that unless Dave Ramsey is answering the phone, the rest of the personalities cannot answer the question.

Why would she retire if they are now living paycheck to paycheck after she retired?

They both work really well together.

These people are unreal! Plus the older wife is probably worried about losing the younger husband! She should not have retired!

10k a month and still spending beyond that? Might need to go back to work.

Looks like someone has to go back to work.

She should get a part time job too

The husband isn't completely innocent, but don't put it on him when you retired, IN DENVER, with thousands in debt... who does that?

Sounds like rice and beans time , good luck to this couple

Polly sounds like a nice lady. Hope the husband comes around, or at least makes it clear to her that she’s on her own so she can move forward. Good luck.

I prefer Kristina with Rachel vs George who seemed to never let her speak. These two make a better team.

They actually are making very good money.

lost cause, $400k owed on house while retired.

Maybe sell the home 🏡 and get a cheaper home 🏡 if your retiring

400 grand left on mortgage and near retirement? That's aweful.

My question is how can you make $9k a month and still be broke putting expenses on credit cards every month

They’ve been living separate lives since 2015. That’s a recipe for disaster

Basically what I've noticed is everyone that has a bunch of debt wants to be a politician and keep spending.

"I was hoping Dave was there." She is cryingfor help and wants someone to tell her the hard truth to give her the condfidence to tackle the problem. She only spoke of his and hers. This is a terrible situation to be in...

Well said, Rachel.👍 Way to bring it home, Kristina. ✌

So she has a hidden account and may have the higher debt but thinks he's the problem?

Did I miss it? How old is she?

Good job on the advice.

Sounds like You need to go back to work girlfriend

People think loans are free money. Until they get old. I refuse to be old and broke.

I’m retired and broker than when I started…

$10k a month income and rolling change? She really needs the baby steps and to stop eating out, sell the RV, and vacation affordably. Owing $411k on their house and retired??? People!! Stop trying to put on airs and look fancier than you are. You should NEVER have a mortgage during retirement!

Rachel I hope everything is ok❤

Is Kristina OK? A woman finally gotten blamed.

Paying Debt with Debt equals to more debt

It’s so fascinating how they both write left handed 🙂

Sell the home and live in the camper

Remarkable

Wow! They are both left handed!!☺️

I'm sorry, but this woman needs to go back to work. We all know she isn't going to cut up those cards. She isn't going to quit spending.

This caller is a dumpster fire. 🤷‍♂️

Should have paid your debts before retirement

“I don’t know my numbers, lemme call Ramsey for help”

If you're not using the camper I would sell it right now and get another one later

Questions I have…how old are you? Could you go back to work?

Never told her to find a job. Or to file SS.

I think its time to change the name of the show to Ramsey’s Solutions. Dave clearly done checked out and went corporate on us.

Dave would tell this lady that her husband should work another job.

Wow, this is crazy: retired in debt w/$40 and making $9100mo combines...incredible. Bless them both. Especially when he's not onboard, this not gonna work. Ugh!

They've ran out of road. Too much much debt. Too few years. Too little income.

Don’t mess with the IRS. The penalties and interest will eat you alive and they may need assistance with the IRS debt which will cost them additionally. That is, if they are truly in trouble tax wise. It sounds like the relationship is not stable. He’s not going to listen to any women trying to tell him how to handle his finances.

This call gives me anxiety.

The new girl is def NEW. She said that she's using the card in the beginning.

Well she said she is now making half of what they were making. So this makes me believe that they lost half of income but kept spending as if they were on the previous income

I would never retire if I still have debt

I guess they are winning using the rich dad poor dad technique?