Mistake #1: Making babies he can't afford with a woman he's not even married to. Mistake #2: Moving to the People's Republic of California. Mistake #3: Moving for a baby mama instead of a career by which he can support a wife and kids. Mistake #4: Blaming baby mama, babies, in-laws, People's Republic of California, and crummy job market for why he can't pay for his $56K car. This poor guy is all over the map. And did he even get around to asking Dave a question? I must've missed it.
He had to have been raised by a single mama...the emotionalism, the lack of rationality and order. I've seen it at this level before, and they always were the victims of single motherhood
@@whyme7996 So when does he get to quit blaming his mom. Is he an adult or an infant? Did his mom force him to buy this? Is the alleged absent father blameless? So hr couldn't teach him nothing? Looks like both like to skip responsibility.
Lived in a crappy neighborhood in one of the worst parts of the city I'm from. So many homes in that neighborhood had Cadillac and GMC SUVs sitting in the driveway, new and shiny, in front of run down shithole shacks. People's needs for validation are insane.
He was a loan officer. Keep that in mind folks when you work with people who handle your money (investor pros and loan officers). They typically are horrendous with money and investing. LEARN IT YOURSELF
It really highlights how important it is to balance finances and lifestyle. This could be a great conversation starter about budgeting and priorities. Thanks for sharing your experience!
Someone's triggered by common sense. No car is free and that is a normal price nowadays. If it's too expensive then that's you having a problem with reality not the price of the car itself.
@@kylee6778He said he lives paycheck to paycheck so he has to be earning something. Plus he didn’t say he was behind in his $1,200 a month payment. That money has to be coming from somewhere.
If my kid, their partner and two kids was living with me and then they bought a expensive fancy vehicle I would be sooo mad. Get your own place and grow up.
This guy was making good money at one point, but he is so mixed up. And good point by Jade at the end: Quit trying to blame somebody else for your own decision to buy an expensive car, or not get rid of it.
It's always entertaining to read all the PERFECT people and their comments. Lol. Really wealthy people are probably not listening to Ramsey and posting comments.
My daughter just bought her first car...paid $1,200 for it 6 months ago. Put another $300 into it tuning it up. Still driving great. 2004 Hyundai Santa Fe
Yup. I bought a $1250 car and make my living driving it. Sure, I've had to put some money into it, but the money is there because I don't have a ridiculous car payment. I sometimes wonder how car sales people can live with themselves knowing that they're essentially selling enslavement.
He’s not going to listen. If you don’t have a job today it’s because you don’t want to work. The guy is living with his gf’s parents and thought a $56k car was a priority over having dignity by being able to put his own roof over his head.
No one ever wants to put away or pay debts in good season! It is really hard though if you hadn’t really ever had anything but still take this man’s story as a warning it’s not worth the short term “I’ve Made It” feeling if it doesn’t last!
For everyone confused on why he bought a $56k car: it's evident when he talks about making $10k as a mortgage loan officer and being a sugar daddy at $50 an hour. dude just wanted to show off, so everyone thinks he is doing great.
My residence and 2008 Corolla does plenty of "showing off" for me. I don't dress "ragged" but there's nothing I wear over $30. No jewelry beyond my wedding ring. I don't want to be a target. If for some reason I am a target the rare times I go to the big city, I have multiple ways to defend myself.
@linhaton4957 As far as that goes a friend once told me a long time ago when we didn't have money, you'll find a way. Over the years, we found a way.Ive learned a lot over the years.
Blaming the car debt on his GFs mom is crazy she did not force him to go down to the dealer and sign all that paperwork he did it willingly to try and get her off his back.
@ It’s probably not as nice a car as Dave has! 😂 It’s for my bride, a 2025 BMW 530i xDrive with all the bells and whistles. Four years ago she said she’d never buy a car that expensive, when I bought my 2021 540i. After four years of driving in one, she wanted her own.
@@cjhoward409 Mine has been flawless for four years. My daughter-in-law is on her eighth year and had one electrical repair. BMW reliability is very model specific. The 5 series is pretty good. My DiL’s 3 series is also reliable.
4:18 - The advice to sell the car privately instead of through CarMax is such a practical tip. Private sales really can make a big difference in recovering more of your money.
@@STELLARMIGHTYi got a mustang gt from carmax last year 2021 pp1 premium used and its nowhere near 40k 😂 price and my monthly payment is less than half of the amount of the callers monthly payment. Cant wait to pay it off in 2 years 😅
@@unfairsanic5089 mannnnn my dumbass purchased a Infiniti Q50 from them in July 2021 my single worst purchase I’ve ever made - thing was marked up at least 15k more than prior to covid.
"I'm calling for clarity" yet you refuse to answer simple direct questions. Another symptom of the generation having the mindset of "it's because of" and it's everyone else's fault. Own your choices and the consequences thereof and man up!
Fortunately he is learning this lesson while he is young and just starting out. Many people call in 20 years later, with a $400k mortgage, 3 kids, $30k credit card debt, an imminent divorce, AND a $56k car. If he heeds the advice and takes immediate action, he'll be just fine.
I've never had a car payment. Hopefully never will. I joined the Army at 17 and I literally walked or hitched rides for my first 3 years and saved what I could, which wasn't much in the early 2000s. The day I made sergeant, I walked to the post "lemon lot" and looked for something in my budget of $3k and found a 1995 Jeep Wrangler for $2500 the previous owner had stripped down to nothing but the front seats and a sun top. Meanwhile, all the new lieutenants were in 3-series BMWs and most of the other joes were buying and overpaying on Camaros and Mustangs.
@@kendrapratt2098 Thank you. I didn't want to ramble, and not trying to brag, I don't own anything expensive or high end, but too many people spend excessive money to avoid any discomfort and end up having less in the end...even now, some of my in laws think I should replace 10 year old vehicles because they're "dated" and lacking "necessary" things....
you can get a really cool used car, pretty much any style you want, muscle cars, luxury cars, trucks, classics, for under $30,000. these people are out of their minds spending so much on these boring trucks that you wouldn't even glance at twice if you saw them on the road.
I used to have some friends like this back in the day....conversations were ALL OVER THE PLACE! They were total basket cases. I could only talk to these friends while drunk at the bar. Fast forward to today, I would excuse myself if I ever met someone like this. My brain cant handle it.
This stupid bum actually called owing money on a $56,000 car, is living with her s idiot girlfriend's parents while having two children. This fool has the gall to say it's her mother's fault he bought a car he can't AFFORD.
This has me cracking up the whole time. 🤣🤣🤣 Dave: "So why did you get a $56,000 car?" Caller: "So, I moved to California..." Caller: "So, my mother-in-law..." Caller: "So, I was a sugar-daddy..." I'm balling from laughter over here. 🤣🤣😭😭
On an old country road ten years ago I was stopped by the police for bad tires. The officers 'persuaded' me . I had to promise to buy a new one because my old one was all dented and stubborn, leaking, air conditioning wasn't working, my mechanic refused to repair it. We shook hands. I searched around in slow car season in august and bought a pristine one-year-old car, an employee's mistaken order without navigation, for a fraction of the original list price with five years of free service, cash. I still drive that car. A car is an expense, not an asset.
You work for 42yrs to have $2m in your retirement, Meanwhile some people are putting just $20k in a meme coin for just few months and now they are multi millionaires I pray that anyone who reads this will be successful in life
stupid freakin car payments hold millions of people back. take a step back and realize nobody out there cares about what you drive except haters lol. become auto loan free and see how much cash you get to keep for yourselves
This caller is infuriating. The moment someone says "so a little bit of my backstory..." Dave really needs to cut them off and ask what their question is.
Other than the car issue, he says he doesn't have work ethic problem when he actually has that problem. He is switching careers like clothing. No career is going to stay up all the time thats why you have to learn from the hard times and build experience. No one will hire him if he says he switched jobs because market was tight. Any monkey can perform in favorable winds.
Lolz i havr 590 dollar monthly payment in my mustang gt pp1 but im hustling rn to pay it off in 2 years good thing that i have another car that is already paid off
I didn't know $50/hr can make someone sugar daddy/mommy already, the bar is so low, even if it happened 15 yrs ago, especially with California taxes, you really don't get much take home pay 😅
“Getting a car” got put in the box labeled “justified”, and then he realized if a car is justified, he can put whatever car he wants in that box. And congrats, he succeeded - he didn’t get yelled at, his conscience let him get away with it, and yet… he’s in debt. It’s almost as though people’s opinions are irrelevant in the face of facts
My daughter bought her first car in July of 2020 for 3G. A 2010 Ford Focus. It's still running great. Aside from regular maintenance (oil,tires,battery) she has only had to do one repair for $900 that was in Jan 2025. There
Summarize from the video why Emmanuel owns a $56K car: 1. He moved to California to maintain his college relationship. 2. Then he became a mortgage loan officer. 3. Then he became recruiting officer. 4. He was laid off from the job. 5. He is not married but he is having mother-in-law. 6. He has 2 young age kids. 7. Crazy family dynamics. The dude needs some serious counseling.
There's a reason I could buy ... I dunno ... 4 of these cars and not even blink. It's exactly because I DONT buy these cars. I buy $12,000 cars with cash. Not financed. No interest.... and ride 'em 10 ... 12 ... 15 years until they're dead. After 40+ years of this I figure I'm $200,000 ahead in just cash. Over $800,000 when you consider it's bern working for me in rental real estate instead of paying auto loan finance charges. Stupid is as Stupid does.
It would drive me nuts when people have to tell you a 10 min story when you ask them a simple question "Why did you buy your expensive car?" There are just too many people like this and they are the ones who need help the most. Dave Ramsey and the other personalities fill an important need to help scatter brained people get order in their lives.
This was confusing but I gathered that at different points he was making a high income and instead of putting something back during times of feast to make it through times of famine, he spent it all. And when he got the second high earning position he had not learned his lesson and did it again. His problem is that his self worth is based on impression other people. He referred to himself as a “sugar daddy”. People who get with sugar daddies and mamas only do it because of what you have not who you are.
Wow. I've always said you car payment should be half of your credit score. You should also invest at least twice your car payment into your 401k every month as well.
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No payments is even better. 2010 Kia Forte here. 195,000 miles on it, all my milies. And the car is still going strong. Maybe I can hit a quarter million miles (or more) before it stops running. I average 12,000 to 15,000 miles per year, so crossing my fingers, that's another 3 plus years.
I work at a car factory in europe and 50% of my colleagues lease a car from the company, high end brand new electric cars, they do get a discount. They all pay 700,- euro minimum and won’t own the car. I hear many complaints that they struggle financially but no matter what they all wanna keep leasing😕
![Lp. Сердце Вселенной #60 РОЖДЕНИЕ ЛОЛОЛОШКИ [Финал] • Майнкрафт](http://i.ytimg.com/vi/YoR0pAV9FVQ/mqdefault.jpg)
Legend has it that he’s still trying to explain why he bought the car to this day
Lol
Lolz
😂😂😂😂😂
😂😂😂😂
Has anyone understood why he bought it? Nope, if they let him talk….
Mistake #1: Making babies he can't afford with a woman he's not even married to.
Mistake #2: Moving to the People's Republic of California.
Mistake #3: Moving for a baby mama instead of a career by which he can support a wife and kids.
Mistake #4: Blaming baby mama, babies, in-laws, People's Republic of California, and crummy job market for why he can't pay for his $56K car.
This poor guy is all over the map. And did he even get around to asking Dave a question? I must've missed it.
He said he called for”clarity.”😂
💯
He had to have been raised by a single mama...the emotionalism, the lack of rationality and order. I've seen it at this level before, and they always were the victims of single motherhood
@@whyme7996
So when does he get to quit blaming his mom. Is he an adult or an infant? Did his mom force him to buy this? Is the alleged absent father blameless? So hr couldn't teach him nothing? Looks like both like to skip responsibility.
Never heard of this single mother thing affecting a mans mentality,. But it's interesting. Sounds a lot like me. @@whyme7996
This guy is all over the place.....good lord bro
I'm still driving my 2016 toyota corolla that I paid off in 2020. 178000 miles and it stills drives great, everything still works.
your car is only 8 yrs old and it already has almost 200k miles on it?
@Jane-rh7tc yeah I did a ton of food delivery in it
Amen to that!!!!
It took you 4 years to pay for a corolla? Pathetic
@@siva47931at least he already paid for it, i got a corolla 2013 rn bought it cash and still using it until this day
He'd rather LOOK like he has money.
I think that's what A LOT of people do. Crazy!
Life is all about how people look on Social Media for most.
Typical of "da culture"
Typical of da culture
Lived in a crappy neighborhood in one of the worst parts of the city I'm from. So many homes in that neighborhood had Cadillac and GMC SUVs sitting in the driveway, new and shiny, in front of run down shithole shacks. People's needs for validation are insane.
This is the funniest video I've ever seen. This guy is completely nuts. He is using excuses after excuses...
The excuses have excuses for excuses😳😳😳
@@Dilberts_Dogbert😂😂
If you would just let him explain though! 😜🫨🫠
@@greatgolfer23😂
Makes me tired just listening to him try to explain things!
He was a loan officer. Keep that in mind folks when you work with people who handle your money (investor pros and loan officers). They typically are horrendous with money and investing. LEARN IT YOURSELF
This is the TRUTH!!!!!!
lol, imagine this dude trying to explain the terms of a loan to someone. . .
@@dash4800who do you think underwrites these car loans? This guy 😳😳😳
Well said. They're in the business of keeping you in debt!
He really said everything except a anwser.
😆
It really highlights how important it is to balance finances and lifestyle. This could be a great conversation starter about budgeting and priorities. Thanks for sharing your experience!
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What’s there primary focus, and what projects are you currently tackling?
Just read they are remote company hiring laborers and office workers. They offer unrefined oil at great prices while focusing on quality
Starting remote work feels like such a big step, but I’m ready for the challenge! Your company’s reputation makes me even more eager to get started
Reading the channel bio could be helpful for finding ways to connect with their recruiting team.
It’s everyone else’s fault I bought a $56k car 🤪🤪🤪
Car made them do it. 😂
How else was he gonna be able to walk his fish?
😅😅😅😅😅😅
Someone's triggered by common sense. No car is free and that is a normal price nowadays. If it's too expensive then that's you having a problem with reality not the price of the car itself.
2 kids under 2 and a $56k car with no job…wow
Definition of a fool. SMH
And every time he lost his "great income" it was because the whole economy crashed. This guy doesn't sound old enough to remember an economic crash.
Right😅
@@penguin12902 his experiences seemed like he's saying the truth, but he seems to have never matured over the years 😂
That’s a miserable guy right there. Don’t want to grow up and take full responsibility for his mistakes!
Just because you make good money, doesn’t mean you should be spending it! Especially not like this
Except he doesn't make good money, he makes almost nothing.
If he was making good money he wouldn’t have borrowed money for the car 😅
He doesnt make ish, he lives with his mother-in-law. He's just a big talker
He doesn't make any money though
@@kylee6778He said he lives paycheck to paycheck so he has to be earning something. Plus he didn’t say he was behind in his $1,200 a month payment. That money has to be coming from somewhere.
I watched the video twice and I'm still confused, why did he buy that car?
He finna explain that to us.
Maybe there will be another video explaining why 🤣💀
Right! I’m still lost hahaha
Gotta check back in three weeks I think he will explain it by then 😂😂😂
Nobody knows but God, and he is not telling us either.
If my kid, their partner and two kids was living with me and then they bought a expensive fancy vehicle I would be sooo mad. Get your own place and grow up.
An adult kid and their "partner" have no business living together anyplace.
An adult kid and their SPOUSE is a different conversation.
And use some birth control.
@ you don’t believe in test driving it before you buy it? I lived with my girlfriend 10 years before marriage.
Guy wants to hear himself talk and wants validation for his car purchase.
This guy was making good money at one point, but he is so mixed up. And good point by Jade at the end: Quit trying to blame somebody else for your own decision to buy an expensive car, or not get rid of it.
You have to love the blame game. This will never stop with high car payments.
It's always entertaining to read all the PERFECT people and their comments. Lol. Really wealthy people are probably not listening to Ramsey and posting comments.
My boy is literally ALL over the place…. He needs to become a car salesperson
My daughter just bought her first car...paid $1,200 for it 6 months ago. Put another $300 into it tuning it up. Still driving great. 2004 Hyundai Santa Fe
Make sure she checks the oil religiously!
in my area hyundais get stolen all the time😮
The new ones, not the older ones that use an actual key in the ignition
Yup. I bought a $1250 car and make my living driving it. Sure, I've had to put some money into it, but the money is there because I don't have a ridiculous car payment. I sometimes wonder how car sales people can live with themselves knowing that they're essentially selling enslavement.
@@wufflerdance9481 No one is stealing a $1200 car.
He’s not going to listen. If you don’t have a job today it’s because you don’t want to work. The guy is living with his gf’s parents and thought a $56k car was a priority over having dignity by being able to put his own roof over his head.
BINGO ! His mother in law probably told him about his bad money habits
Mental! But let’s be honest!! He’s probably being encouraged somewhere!
Facts, I’d drive a 1992 Honda accord or Toyota Camry and have my own studio apartment before I move in with my in-laws.
Dignity? That no longer exists in our society anymore. Long gone..
💯MIL has say in your finances when you live under her roof like a child. Grow up. 👊🔥
No one ever wants to put away or pay debts in good season!
It is really hard though if you hadn’t really ever had anything but still take this man’s story as a warning it’s not worth the short term “I’ve Made It” feeling if it doesn’t last!
For everyone confused on why he bought a $56k car: it's evident when he talks about making $10k as a mortgage loan officer and being a sugar daddy at $50 an hour. dude just wanted to show off, so everyone thinks he is doing great.
My residence and 2008 Corolla does plenty of "showing off" for me. I don't dress "ragged" but there's nothing I wear over $30. No jewelry beyond my wedding ring. I don't want to be a target. If for some reason I am a target the rare times I go to the big city, I have multiple ways to defend myself.
I agree. His self worth is based on people being impressed by his illusion of wealth.
He doesn't even know if he's coming or going. Smh.
For everyone out there. Educate your kids about finances at a young age. Don't count on the schools to do it.
The schools are failing the kids. Scores currently at 30 year low
@PjDurkin-x6x im not surprised
@@formulasaltythunder4806 Four years of this administration and not a peep about it. Kids in China are so far ahead it's not even funny
And about making babies while you’re broke.
@linhaton4957 As far as that goes a friend once told me a long time ago when we didn't have money, you'll find a way. Over the years, we found a way.Ive learned a lot over the years.
Blaming the car debt on his GFs mom is crazy she did not force him to go down to the dealer and sign all that paperwork he did it willingly to try and get her off his back.
Classic example of "it's someone else's fault." 😮
Living with mother in law with a girlfriend and 2 kids. Bad planning.
Even at $50 an hour he couldn’t have afforded a $56k car. What is he talking about.
Americans and cars. It's just amazing.
MOST Americans. I'm happy with my 2008 Corolla with 208k on it. It would go to 300k+ I'm sure with basic maintenance (Which I already do)
I have two boys, am unemployed and just bought a $65,000 car. Of course I’m 68yo, a grandfather, retired and paid cash.
This guy needs to grow up!
What car did you get? Dave and a bunch of fellow Ramsey watchers want to know.
@ It’s probably not as nice a car as Dave has! 😂 It’s for my bride, a 2025 BMW 530i xDrive with all the bells and whistles. Four years ago she said she’d never buy a car that expensive, when I bought my 2021 540i. After four years of driving in one, she wanted her own.
@@TheBeagle1956sadly Beemers are ranked pretty low as far as expense to fix, safety, and they don’t hold their value.
@ Let the retired love birds have fun with their sports car! Congrats @theBeagle1956, it looks splendid!
@@cjhoward409 Mine has been flawless for four years. My daughter-in-law is on her eighth year and had one electrical repair.
BMW reliability is very model specific. The 5 series is pretty good. My DiL’s 3 series is also reliable.
Mortgage loan officer gets mortgage for a car.😮😮😮😮😮
😂😂😂😂😂
He fell on his own trap! 🤣🤦🏻♂️
I still didn’t hear him say what influence his “mother-in-law” had with him getting into the car 🚗 payment 😅
@mekecobb -- No one heard it, unless not wanting to rely on his (future) mother-in-law was it.
$1200 a month for a used car 😮 I was waiting for Dave to ask, “What kind of piece of junk is this?”
Dodge Hellcat with 89k miles
@@percivalgooglyeyes6178That’s exactly the vehicle I imagined 🤣🤣🤣
4:18 - The advice to sell the car privately instead of through CarMax is such a practical tip. Private sales really can make a big difference in recovering more of your money.
that car payment is more than all my bills put together and i own 2 cars and a house
Ha! Same here. House, three vehicles and two motorcycles. All paid for.
Me too 3 houses 2 cars and an rzr all paid for.
Likewise
Me..2 House paid off .2 cars paid off .money in the bank..not going to impress any one😂😂.sleep good at night😊
His car payment is higher than my total monthly house payment. Jeez Louise.
And for something that loses equity every year.
How much is lost for every year?@@litigioussociety4249
Same.
Do you live in a shed in Alabama?
@ Try not living in a big city....your cost of living changes dramatically, but so does your salary.
I bet the car is something basic like a Ford F150.
Scat pack
@@STELLARMIGHTYi got a mustang gt from carmax last year 2021 pp1 premium used and its nowhere near 40k 😂 price and my monthly payment is less than half of the amount of the callers monthly payment. Cant wait to pay it off in 2 years 😅
@@unfairsanic5089 mannnnn my dumbass purchased a Infiniti Q50 from them in July 2021 my single worst purchase I’ve ever made - thing was marked up at least 15k more than prior to covid.
"I'm calling for clarity" yet you refuse to answer simple direct questions. Another symptom of the generation having the mindset of "it's because of" and it's everyone else's fault. Own your choices and the consequences thereof and man up!
Just imagine what you could do with that $1200 a month. Crazy then moves to most expensive State.
You could live a good relaxing life without having to make that payment.
Fortunately he is learning this lesson while he is young and just starting out. Many people call in 20 years later, with a $400k mortgage, 3 kids, $30k credit card debt, an imminent divorce, AND a $56k car. If he heeds the advice and takes immediate action, he'll be just fine.
Lol whoever on these calls actually heeds their advice
In a pattern they stay in a pattern 😂
I've never had a car payment. Hopefully never will. I joined the Army at 17 and I literally walked or hitched rides for my first 3 years and saved what I could, which wasn't much in the early 2000s. The day I made sergeant, I walked to the post "lemon lot" and looked for something in my budget of $3k and found a 1995 Jeep Wrangler for $2500 the previous owner had stripped down to nothing but the front seats and a sun top. Meanwhile, all the new lieutenants were in 3-series BMWs and most of the other joes were buying and overpaying on Camaros and Mustangs.
Awesome, well done. And thanks for your service.
You were wise beyond your years
@@kendrapratt2098 Thank you. I didn't want to ramble, and not trying to brag, I don't own anything expensive or high end, but too many people spend excessive money to avoid any discomfort and end up having less in the end...even now, some of my in laws think I should replace 10 year old vehicles because they're "dated" and lacking "necessary"
things....
His mother in law didn’t pressure him into buying a car and btw $60 hour isn’t enough $ for a $1200 month car.
you can get a really cool used car, pretty much any style you want, muscle cars, luxury cars, trucks, classics, for under $30,000. these people are out of their minds spending so much on these boring trucks that you wouldn't even glance at twice if you saw them on the road.
I used to have some friends like this back in the day....conversations were ALL OVER THE PLACE! They were total basket cases. I could only talk to these friends while drunk at the bar. Fast forward to today, I would excuse myself if I ever met someone like this. My brain cant handle it.
Looks like he doesn't want to take responsibility
This stupid bum actually called owing money on a $56,000 car, is living with her s idiot girlfriend's parents while having two children. This fool has the gall to say it's her mother's fault he bought a car he can't AFFORD.
This has me cracking up the whole time. 🤣🤣🤣
Dave: "So why did you get a $56,000 car?"
Caller: "So, I moved to California..."
Caller: "So, my mother-in-law..."
Caller: "So, I was a sugar-daddy..."
I'm balling from laughter over here. 🤣🤣😭😭
I hate car payments.
anyone else seen this clip before? Says uploaded 10hrs ago, but I swear I've heard this call before...
On an old country road ten years ago I was stopped by the police for bad tires. The officers 'persuaded' me . I had to promise to buy a new one because my old one was all dented and stubborn, leaking, air conditioning wasn't working, my mechanic refused to repair it. We shook hands. I searched around in slow car season in august and bought a pristine one-year-old car, an employee's mistaken order without navigation, for a fraction of the original list price with five years of free service, cash. I still drive that car. A car is an expense, not an asset.
Smart...
You work for 42yrs to have $2m in your retirement, Meanwhile some people are putting just $20k in a meme coin for just few months and now they are multi millionaires I pray that anyone who reads this will be successful in life
This is a problem ineldeed.. I have 0 understanding of how those coins actually gain value since they're worthless.
As a beginner what do I need to do? How can I invest, on which platform? If you know any please share.
Wow that's huge, how do you earn that much?
37 years old and I've been looking for ways to be successful, please how??
Yeah, 253k from Anna, looking up to acquire a new House, blessings.
I thank Anna who has always been there to help me with detailed analysis and recommendations that I would not have had access to otherwise.
stupid freakin car payments hold millions of people back. take a step back and realize nobody out there cares about what you drive except haters lol. become auto loan free and see how much cash you get to keep for yourselves
This guys WILD.
I have to agree with the caller. My mother in law forced me into relationship with her because she was too attractive to resist.
Stacy's mom she's got it going on
Backfield in motion baby, gonna have to penalize you🤣🤣🤣🤣
How can you have a mother in law if you are not married?
I Love All This Advice!
I love how Dave called his BS on the family dynamic
Im sure they are living rent free at mom's house, too
He says it, watch the video
That makes him and his girlfriend irresponsible FREELOADERS,DEADBEATS who don't want to take responsibility for thier lives.
He’d be a great politician because he runs circles around actual answers
"Right, right, right" 😂😂😂
He wasn’t paying rent to help the mother in law and pocketing all of the money instead of buying a home for his fiance and kids
This caller is infuriating. The moment someone says "so a little bit of my backstory..." Dave really needs to cut them off and ask what their question is.
How did he ever have a job... This guy is really special.
Other than the car issue, he says he doesn't have work ethic problem when he actually has that problem. He is switching careers like clothing. No career is going to stay up all the time thats why you have to learn from the hard times and build experience. No one will hire him if he says he switched jobs because market was tight. Any monkey can perform in favorable winds.
I have a $400 car payment on a 2022 Corolla and I hate that payment. I can’t imagine a $1200 car payment when my mortgage is $1500.
Lolz i havr 590 dollar monthly payment in my mustang gt pp1 but im hustling rn to pay it off in 2 years good thing that i have another car that is already paid off
I didn't know $50/hr can make someone sugar daddy/mommy already, the bar is so low, even if it happened 15 yrs ago, especially with California taxes, you really don't get much take home pay 😅
What IS the car?? lol I don’t think he ever mentioned what it is
He sounds black, so there’s a good chance It’s a dodge charger..
@@rabidgoonNot that it matters.... but he actually sounds Hispanic.
@@rabidgoon😂
Tesla😂
@@rabidgoon He sounds h i s p a n i c, honestly. You godly r a c i sts.
He sounds black. Is it a Charger?
Was thinking the same thing. Some Hellcat or something
@@TJ-oo5mx most likely either that or some kind of oversized, overpriced SUV, like a Lincoln navigator. A big white one with tinted windows.
😂
😂😂😂
You can’t sound like a skin color. That’s a ridiculous thing to say
“Getting a car” got put in the box labeled “justified”, and then he realized if a car is justified, he can put whatever car he wants in that box. And congrats, he succeeded - he didn’t get yelled at, his conscience let him get away with it, and yet… he’s in debt.
It’s almost as though people’s opinions are irrelevant in the face of facts
Where is this going?????!!!! He's all over the place.
Having a paid off car changes all of this. Being laid off is not a big deal when your car is yours.
This Guy’s Life is Messy lol 😅 prayers up my boi 🙏🏾
Every problem in his life is someone else’s fault. Nothing is his bad judgment.
Dude blaming everyone but himself.
What are the chances they are planning a BIG wedding!
“All this is happening while we’re under 2”😂🤣🤣🤣 Glad he clarified who was 2 years old
😅😅😅😅😅😅
😂
Jada. I love that sweater you was wearing
My daughter bought her first car in July of 2020 for 3G. A 2010 Ford Focus. It's still running great. Aside from regular maintenance (oil,tires,battery) she has only had to do one repair for $900 that was in Jan 2025. There
the cognitive dissonance is strong with this one
man....i though my 295 a month car bill was bad and was so happy to pay that off
Nothing is his fault.
I bought a $56k car last year, but I paid cash! ..Do it right, or don’t do it!
Summarize from the video why Emmanuel owns a $56K car:
1. He moved to California to maintain his college relationship.
2. Then he became a mortgage loan officer.
3. Then he became recruiting officer.
4. He was laid off from the job.
5. He is not married but he is having mother-in-law.
6. He has 2 young age kids.
7. Crazy family dynamics.
The dude needs some serious counseling.
But it still doesn’t; explain why his car payment is so high😂😂😂
Thank you so much for the summary lol
@@kiki11974 Maybe negative equity from a previous car? Or maybe he bought an SUV because of the two kids?
Jade's skeptical face at his buster ass excuses ... lol.
There's a reason I could buy ... I dunno ... 4 of these cars and not even blink.
It's exactly because I DONT buy these cars.
I buy $12,000 cars with cash. Not financed. No interest.... and ride 'em 10 ... 12 ... 15 years until they're dead.
After 40+ years of this I figure I'm $200,000 ahead in just cash. Over $800,000 when you consider it's bern working for me in rental real estate instead of paying auto loan finance charges.
Stupid is as Stupid does.
It would drive me nuts when people have to tell you a 10 min story when you ask them a simple question "Why did you buy your expensive car?"
There are just too many people like this and they are the ones who need help the most.
Dave Ramsey and the other personalities fill an important need to help scatter brained people get order in their lives.
If banks stopped giving dumbasses loans they can't afford the economy would crash.
Yup, it's all built on a house of cards..
Car payments really are a waste of money cars lose so much value as the years go by
Hes faulting everyone except taking own responsibility
With that cash you can save the money for a few months and buy a car. A car loan is stupid.
anyone: "good morning"
caller: "let me explain..."
This was confusing but I gathered that at different points he was making a high income and instead of putting something back during times of feast to make it through times of famine, he spent it all. And when he got the second high earning position he had not learned his lesson and did it again. His problem is that his self worth is based on impression other people. He referred to himself as a “sugar daddy”. People who get with sugar daddies and mamas only do it because of what you have not who you are.
😂The way Jade burst out laughing, bc I did the same!
The answer for everything is”get married “ lol 😂 he funny
Wow. I've always said you car payment should be half of your credit score. You should also invest at least twice your car payment into your 401k every month as well.
Exceptional video!🔥💯🔥
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I'm so grateful for my $363 car note payment. Honda for life!
No payments is even better. 2010 Kia Forte here. 195,000 miles on it, all my milies. And the car is still going strong. Maybe I can hit a quarter million miles (or more) before it stops running. I average 12,000 to 15,000 miles per year, so crossing my fingers, that's another 3 plus years.
$363 is not a bad payment. It’s definitely manageable.
@@Francisco-po1cf it depends on the long term. If it’s 84 month with 4% interest or more, it’s not good.
I pay less in rent than his car payment😭
My mortgage payment is $700 just imagine!
Does anyone else say “Start budgeting for free today” at the same time as Dave at the beginning of each episode?
me
wow invest half of that a month and when you 60 you will be living like a king
But, but, but... I want a nice car.
Car payments over $500 are wild to me. 😮
I work at a car factory in europe and 50% of my colleagues lease a car from the company, high end brand new electric cars, they do get a discount. They all pay 700,- euro minimum and won’t own the car. I hear many complaints that they struggle financially but no matter what they all wanna keep leasing😕
Especially their term is 72 months
Dude is blaming the economy, family dynamics, MIL...lol for buying a 56k car