Thank you for calling Lindsey out on her evasive behaviour. I was annoyed by her laughter that told me she doesn't feel safe to put her foot down. That "Go ahead, I'm used to it" gave e the chills. Lindsey laughed like she was used to cover up abuse and created an identity of messing up, to protect someone from their responsibility.
@@donnanewman9571 In many ways, being in debt is like being overweight. Unless you change your relationship with money/food, you aren't going to get long term goal of where you need to be.
I recently paid off two collections and I had to put in tons of overtime at work to eliminate it. Now I’m working on my car loan and throwing chunks of money at it. It’s rewarding to see the balance going down weekly!
Dave teaches people how to be financially responsible, typically people who want to live beyond their means and indulge in irresponsible spending don't like his methods. It takes A LOT for a credit card company to sue you, clearly they're much more reckless with money than what they're telling (meaning the wife too, not just the husband).
I taught FPU years ago. I worked the program too. It was huge help in getting me and my wife to understand and communicate with finances. After we got out debt and maintenance we are about to pay off our second home and live off the fruits of our first home and retirement.
I thought it was a valid question. She was false bubbly through the whole call and she mentioned the husband not being on board as a barrier. He was trying to make sure that it wasn't deeper than that and a full on controlling abuser.
This is me! I’ve been doing Dave’s program on my own terms and have failed miserably. I finally decided to stop doing my own personalized version and do it Daves way I cannot wait until the end of the year to see my accomplishments. Tired of the struggle 😫!
@johnSmith-uz8nl my terms meaning not following his plan accordingly and doing things my way. Like instead of paying the minimum on my cards to save 1k first I would pay the minimum, charge more, save less. It’s basically not being disciplined.
Dave has a great video out on this. He told people to not call it his plan when your not following it. Your doing your own plan and it has nothing to do with him. It’s definitely a good watch! I’ve done Dave’s program to the Tee and I’ve paid off 40k in debt in 18 months. It really works if you just submit yourself to it! Good luck my friend!
The secret is never get into debt. So simple, always live below your means so if a financial emergency happens, it’s not a emergency because you have funds to cover it.
I remember hearing a little of that from Ramsey. I also heard it from Austin Williams. He is a minimalist on UA-cam and talks about financial independence. Because he lived a frugal and simple life he was able to save 100k. This might not work for everyone, but it worked for him.
I practice Ramsey lite, lol. I am a believer in being or trying to be debt free, and I live rather modestly but I will not sacrifice time or an experience just to live a certain way someday. I'll driver a cheaper car to have financial freedom but as a Dad I was not going to sacrifice years of her life working, working, working to achieve that. Sure I understand compound interest but I've seen people make and lose and make money again, but when this moment is gone, you will never get it back.
Live for today not for tomorrow. That's basically what I got from this. It's good to have no debt and if you're able to save a good amount of money without being extreme then that's good. The extreme is for getting your debt done and starting to save again. If you don't have debt, great. You're doing the right thing. If you do though, then good luck because it seems like like I you're making excuses to keep doing what you're doing. Only you can know your real situation but if you're not willing to change your habits you will always live like you're broke, and that's the point of the channel.
@ItsMrLee I understand the point of the channel, but like you said, only you or I know our situations. All about priorities and values and understanding the consequences of your choices. Let me give you an example. Many years ago, when my daughter was 6, we took her to Disney, and you know how expensive Disney is. Dave would say there was no way I was in a financial position to do so at that time. Well, my daughters face lighting at the wonders of Disney, dressing her up like a Princess 👸 for dinner, etc was priceless and I wouldn't have traded that for anything including getting out of debt a little faster or saving for retirement, etc. Money comes and goes, but those memories will last forever!! Never sacrifice your memories for money!
She just keeps chuckling and laughing, and says she's happy. My wife and I got an eviction notice from our landlord years ago, and we were not happy about that or our debt. We got out of it, we caught up on our debt, and never did it again.
I sounded like this when we lost our home to a flood. It was just such a surreal situation I think my brain kinda kicked into protection mode and made me act more positive as a weird coping mechanism.
We had to say no to 2 family trips this summer. It sucks but we don’t roll/debt like they do. Focus on your pains and cure them so they aren’t running in the background while you play!
I thank Dave Ramsey. I would have been worst off if it wasn't for Dave Ramsey. But I still have to clean up the mess i made before learning what ive learned from Dave Ramsey 😫
At 7:36 Jade is spot on - how much more is it going to take for this woman and her husband to get serious about her debt? Do they need to be thrown in jail?
They are too reckless. The best thing that can happen to them is to have their wages garnished. If you can't be responsible enough to do it yourself, let a judge order your money to go to your debt.
@@ElliotTManThe paper you sign, (also known as a contract) when you borrow the money says what the payback terms will be. If you comply with those terms, the lender won’t ask for it back all at once.
Why would a CC company sue over $12K and $4K doesn't make sense, there must be something else going on that she is not telling us. They would just send it to collections if anything no ?
Yea, I concur. Most banks will not go through the effort to sue the borrower directly for that amount and just do a charge-off and sell it to a debt collector
When I was young in my 20's. I was spending money like crazy. I would let my friends borrow money, but I would never get paid back. I learned by my mistakes and now I am in my 60's and I saved every penny starting in my 30's and up. Now I have rental properties and I am in the stock market. Sometimes I think OMG. I am just amazed on what I have done and what I have accomplished. You make mistakes and learn from it that is what I was always told by my parents. They also told me have faith in yourself and God. Amen!
Dave Ramseys methods don’t have to be the end all be all of your financial decisions. BUT it can help you get a grasp on your overwhelming consumer debt, take care of it, then either continue to follow the steps, or LEARN how you can leverage other types of debt to make more money. But you gotta start with understanding what you’re doing wrong to begin with. Its the bad relationship we Americans have with consumer debt that causes a lot of our financial problems, whether cuz we weren’t taught something better or just choose to ignore it. Either way, there is a way forward, you just gotta be willing to roll with the punches and get back up every time you fall down.
If you can save $4,000 a month, & you’re blowing it on bullshit spending instead of knocking of an entire debt in that month…. I have ZERO empathy. None.
Living without a credit score only works if you have enough cash. Most people can’t front nearly that much. Dave’s no-credit score advice works only for the wealthy. And if you’re not a dual-income household there’s very little chance that’s you.
You'll note that credit scores only exist in backwards hellholes like the USA and not in civilised societies. This is because the very concept of credit scores is absurd.
Making money is not the same as keeping it there is a reason why investments aren't well taught in schools, the examples you gave are well stationed, the market crisis gave me my first millions, people shy away from hard times, I embrace them.. well at least my advisor does lol.
Investors should be cautious about their exposure and be wary of new buys, especially during inflation. Such high yields in this recession is only possible under the supervision of a professional or trusted advisor
@@Petroguest-i4g This is superb! Information, as a noob it gets quite difficult to handle all of this and staying informed is a major cause, how do you go about this are you a pro investor?
@@Aziz__0 Not at all, having monitored edge my portfolio performance which has made a jaw dropping $483k from just the past two quarters alone, I have learned why experienced traders make enormous returns from the seemingly unknown market. I must say it's the boldest decision I've taken since recently.
@@Petroguest-i4g I've actually been thinking of reaching a portfolio-adviser, my 401k and stocks been losing everything it's gained since 2019, mind if I looked-up this one coach you use?
@@Aziz__0 The adviser I'm in touch with is ''NICOLE DESIREE SIMON''. He works with Merrill, Pierce, Smith incorporated and interviewed on CNBC Television. You can use something else, for me his strategy works hence my result. He provides entry and exit point for the securities I focus on.
I would advise her family members to NOT loan them money to pay off their credit cards, unless they are willing to part with it forever. She sounds like an unserious, irresponsible person😮
She sounds young and immature. She sounds like she’s trying to pay off her debt. It also seems like more is going on in her life than she is letting on.
This counseling session seemed messy. Did John or Jade ask how much was this couple's income? Jade speculated that they had enough money to clear the debts, but neither she nor John brought it home. If they paid off $60k worth of debt, then they probably can pay off the remaining debts rather quickly.
According to Deloney, every man a a violent wife beater, and every woman is a domestic violence victim. Do you think he would believe me if I told him that my ex-wife was violent and I was the victim of domestic violence? I doubt it.
Financial hardships will not be a giggling situation in the future. These relational issues need to be addressed if they want a stable future together.
Delpney asks the questions he does cause this girl is so hard on herself and talks down to herself saying she’s “used to people being hard on her” and all that. She puts herself down the whole call and talks about how her husband wasn’t on board with Ramsey. Those questions he asks are 100% legitimate and necessary. She’s showing all the signs of “hiding” a deeper problem, even if she isn’t.
100% I’m certified in abuse and neglect with DCF and she did have some behavior mannerisms as well as talking extremely fast and negative self talk that raised a reg flag.
There are other good gurus that have good plans that work too. My husband doesn’t like DR either. Mostly because he won’t stop saying, “Better than I deserve!!!!!”
It might sound dumb this interview but this situation of pin someone else opinion instead of being direct to what we feel and think is more common that you might think. I love the way they addressed it
It is a shame that credit card companies have to sue to get the money from dead-beat borrowers.......if the situation was reversed and the bank owed people money, the people wouldn't want to have to sue to get it.......pay your bills, period.
Credit scores are one of the reasons the rest of the world laughs at the USA. Only backwards countries like the USA have them, civilised countries don't.
What do they do for a career? How much do they make in a year? Do they each make 13.75 an hour? Or 30.00 an hour? Why weren't those questions asked? If they make 20-30 an hour each, they should have no problem knocking out the debt. Of course they need to cut down on the spending. Was curious to know what they make in a year salary wise.
Because these two are clowns and one specialized in breaking up marriages....Are you safe, please John lol. This is exactly why the ratings are falling faster than the value of the dollar
Love Dave Ramsey but I do agree with the callers husband stand on credit scores, it is super important to have good credit! Lower Mortgage Rates. Lower Insurance Rates for Vehicle and Home. Some employers requires good credit such as Banking jobs, Security jobs, Tech Jobs, etc. Not ready to purchase a home? Rental applications look at credit scores, you might be denied or fork over a larger deposit. Avoid security deposits on Utilities? Cell phones? Cable? Etc. Do you like to travel? Hotel and Car rentals require credit cards. Even if you don't want to use credit cards, that is fine but at least keep a couple of them open to build credit. You only need to use them at least once a year to make sure they don't close the accounts. As long as you are a disciplined individual credit cards can be very useful. 99% of all my purchases in on credit cards. #1 reason is fraud protection, if your debit card ever gets compromised you literally lose ACTUAL $$ from your checking/savings account. #2 Build good credit #3 Credit card reward points and miles. (I am personally sitting on 1.8 million miles and points). Free hotel and airline tickets or I can turn the points into $$.
Dave definitely gives his advice with the idea that his callers can't handle credit cards. If you are someone who budgets, it is fine to run a credit card at the register and then pay it off. As you said, there are rewards. Yes, Dave says they aren't worth it, but they can be if you are only spending on what you would anyway.
I don’t like the philosophy of “just settle the debt for pennieson the dollar.” You bought it, you took the trip, you ran it up on eating out and buying crap….you owe it. Pay it.
Medical bills and job layoffs happen, and people get in trouble. That’s understandable. Debt for trips and clothes and furniture and dining out? If I was in charge, which I’m not, they wouldn’t be eligible for bankruptcy, no. @@jackfox5738
If the credit card company accepts it, what's the issue? I wouldn't worry so much about other people's business. Now the government "forgiving" debts, I hear ya.
Thru & for a lot of reasons our water didnt paid for ages & the final bill was $8K! We didn’t have to pay that but my husband refused that offer. He believed we should pay that & it’s been a long slog but we see the light of day & am proud my husband chose to do that.!
Remember credit cards have over 20% interest rates in most cases, so if they've been delinquent for a while, the company may settle for what they actually spent versus making money beyond that. While I agree in paying your debts, people being advised this on Dave Ramsey are told this because they are in a massive financial hole.
Our marriage got off to a blessed start because we had the information and motivation to work our way out of debt...we are incredibly fortunate that we were able to attend a financial peace university class. This opportunity was huge for us. If you don't take responsibility for your OWN financial decisions, you do yourself a disservice.
Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.
@PilouBen However, if you do not have access to a professional like Clementina Abate Russo, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments.
Scary is when paying nothing on credit card debt, opening other credit cards, using mortgage portion of budget for trips, and ignoring 29% plus penalty for late payments, then thinking somehow an end of year tax refund will help but it's aleady spent, while eating out instead of cooking, and neglecting to pay insurance, or delaying roof android medical coverage. That's a not safe, for sure.
"Dr" John: "Damn it, as always, the other host answered everything... I need to say something to keep my job... Wait, I know what to ask! ARE YOU SAFE?!"
Stop telling me what to do kid. Zander mortgage co tried to put me through the ringer at a high interest rate. Got one local in house at around 2% lower. Will never do business with them again!!!
How do you all come up with your titles? It's starting to feel a little click-baitish. I didn't feel she was trying to put stuff off on DR, at all, they simply weren't sticking to their budget.
1. Don't date in debt 2. Don't date anyone in debt. 80% of people in debt.67% of people start their marriages off in debt.50% of Americans get divorce.#1 reason finances.If people follow this advice they will literally be ahead of almost everyone in America.
3:25 “I wouldn’t be doing this if I thought everyone who made mistakes were mistakes themselves.”
Now THAT was beautifully put.
Getting out of debt is simple, not easy. It takes discipline. Stay away from un-disciplined people and you will prosper.
stay away from credit cards simple
@@angel-ij4xvfrom most people. Absolutely
@@angel-ij4xv
Yes and alcoholics should stay away from beer and wine.
Same as losing weight
@@angel-ij4xv but not easy, haha.
Thank you for calling Lindsey out on her evasive behaviour. I was annoyed by her laughter that told me she doesn't feel safe to put her foot down. That "Go ahead, I'm used to it" gave e the chills. Lindsey laughed like she was used to cover up abuse and created an identity of messing up, to protect someone from their responsibility.
"When I do a budget, we don't stick to it." Found your problem.
😊yuuuup for sure
As always...the math is simple but the human arithmetic is the "fuzzy" part.
That sounds like me when I say I’m going to go on a diet
@@donnanewman9571 In many ways, being in debt is like being overweight. Unless you change your relationship with money/food, you aren't going to get long term goal of where you need to be.
I mean she said that herself
People need to live within their means and PAY YOUR FREAKING BILLS/ DEBT!!!
They told me to drive in a straight line, and so kept turning right and left. I have no idea how I got lost
😂
I recently paid off two collections and I had to put in tons of overtime at work to eliminate it. Now I’m working on my car loan and throwing chunks of money at it. It’s rewarding to see the balance going down weekly!
Congrats!
Keep going! That’s awesome!
Don’t stop. After it’s paid off, save and invest. No greater joy then being financially secure.
CONGRATULATIONS! Keep up the great work.
And as you get to the bigger balances paid , it's magic.
Dave teaches people how to be financially responsible, typically people who want to live beyond their means and indulge in irresponsible spending don't like his methods. It takes A LOT for a credit card company to sue you, clearly they're much more reckless with money than what they're telling (meaning the wife too, not just the husband).
Yeah I had made some bad financial choices especially younger (better now and making better income) but never had a credit card company sue me.
These people just want to be heard on the radio, that’s all. She makes ZERO sense.
Ya you have to not pay for like a year before they sue you
I taught FPU years ago. I worked the program too. It was huge help in getting me and my wife to understand and communicate with finances. After we got out debt and maintenance we are about to pay off our second home and live off the fruits of our first home and retirement.
YES. Dave Ramsey’s program works. But folks do need to sit down and do a WRITTEN budget.
Dave has made an absolute fortune selling common sense. Good for him!
@@linkbelt111 I wish I was as smart as the dude. Is it true his net worth is north of $800 million? :-)
"Are you Safe????" at 11:01. Even the caller was like "chill bro!". Dr. John lol...
Deloney was concerned about domestic violence. He had to ask. Situations this dysfunctional are breeding grounds for domestic violence.
I thought it was a valid question. She was false bubbly through the whole call and she mentioned the husband not being on board as a barrier. He was trying to make sure that it wasn't deeper than that and a full on controlling abuser.
@@KatieBellinoAre you safe?
@@healthwithmarcus😂😂😂
@@thirdcoast-nx7jxyou can legit make the argument that everything is a "breeding ground" for domestic violence.
Super appreciate John and Jade's compassion on this clip
Love watching Jade and Dr. Delony together. You guys are awesome. Thank you for all the informational help given to people willing to listen.
This is me! I’ve been doing Dave’s program on my own terms and have failed miserably. I finally decided to stop doing my own personalized version and do it Daves way I cannot wait until the end of the year to see my accomplishments. Tired of the struggle 😫!
Good Luck!
@johnSmith-uz8nl my terms meaning not following his plan accordingly and doing things my way. Like instead of paying the minimum on my cards to save 1k first I would pay the minimum, charge more, save less. It’s basically not being disciplined.
Dave has a great video out on this. He told people to not call it his plan when your not following it. Your doing your own plan and it has nothing to do with him. It’s definitely a good watch! I’ve done Dave’s program to the Tee and I’ve paid off 40k in debt in 18 months. It really works if you just submit yourself to it! Good luck my friend!
@johnSmith-uz8nlHow you were able to amaze 4 million dollars?
@johnSmith-uz8nlyou got 4 million dollars by using credit cards? Lol. Get real homie
The secret is never get into debt. So simple, always live below your means so if a financial emergency happens, it’s not a emergency because you have funds to cover it.
Simple but people can't seam to do it, kinda like just eat healthy foods easy but difficult
“Live below your means” yeah no thanks
I remember hearing a little of that from Ramsey. I also heard it from Austin Williams. He is a minimalist on UA-cam and talks about financial independence. Because he lived a frugal and simple life he was able to save 100k.
This might not work for everyone, but it worked for him.
"An emergency fund turns a crisis into an inconvenience." -- Dave Ramsey
I practice Ramsey lite, lol. I am a believer in being or trying to be debt free, and I live rather modestly but I will not sacrifice time or an experience just to live a certain way someday. I'll driver a cheaper car to have financial freedom but as a Dad I was not going to sacrifice years of her life working, working, working to achieve that. Sure I understand compound interest but I've seen people make and lose and make money again, but when this moment is gone, you will never get it back.
That’s just NUTs
@@sendit3251 Explain?
Very interesting perspective!
Live for today not for tomorrow. That's basically what I got from this. It's good to have no debt and if you're able to save a good amount of money without being extreme then that's good. The extreme is for getting your debt done and starting to save again.
If you don't have debt, great. You're doing the right thing.
If you do though, then good luck because it seems like like I you're making excuses to keep doing what you're doing.
Only you can know your real situation but if you're not willing to change your habits you will always live like you're broke, and that's the point of the channel.
@ItsMrLee I understand the point of the channel, but like you said, only you or I know our situations. All about priorities and values and understanding the consequences of your choices.
Let me give you an example. Many years ago, when my daughter was 6, we took her to Disney, and you know how expensive Disney is. Dave would say there was no way I was in a financial position to do so at that time. Well, my daughters face lighting at the wonders of Disney, dressing her up like a Princess 👸 for dinner, etc was priceless and I wouldn't have traded that for anything including getting out of debt a little faster or saving for retirement, etc. Money comes and goes, but those memories will last forever!! Never sacrifice your memories for money!
She just keeps chuckling and laughing, and says she's happy. My wife and I got an eviction notice from our landlord years ago, and we were not happy about that or our debt. We got out of it, we caught up on our debt, and never did it again.
She sounded like nervous anxious laughter. Putting up a pretense of happiness on the outside.
@2bituser569 I understand that, but this was too much. Even the hosts thought she wasn't serious enough.
I sounded like this when we lost our home to a flood. It was just such a surreal situation I think my brain kinda kicked into protection mode and made me act more positive as a weird coping mechanism.
These people always interrupt guests. I thought this was the Dave Ramsey show ?
@@fredcurrier3288 Those are two of his co-hosts. Also, you have to interrupt. You can't let them drone on forever. Listeners get bored.
Credit companies usually dont sue, they usually contest sudden bankruptcy claims or unpaid debt.
Negotiate a payoff maybe. Pennies on the dollar hopefully
We had to say no to 2 family trips this summer. It sucks but we don’t roll/debt like they do. Focus on your pains and cure them so they aren’t running in the background while you play!
Well done 👏
@johnSmith-uz8nlwho needs two trips a year and weekend trips? That’s such a waste of money.
@AnimatedIdiotGuide It's not a waste. He has earned it. He lived like no one else, so now he can live and give like no one else.
I thank Dave Ramsey. I would have been worst off if it wasn't for Dave Ramsey. But I still have to clean up the mess i made before learning what ive learned from Dave Ramsey 😫
At 7:36 Jade is spot on - how much more is it going to take for this woman and her husband to get serious about her debt? Do they need to be thrown in jail?
They wouldn’t do good in jail, they would get themselves owing someone who wouldn’t think twice about doing something terrible to them.
Yes! Good point Jade
Dave has helped me do a complete 180
On spending. I’m doing great now
Avoid the 360
@@alinatamashevich3354 yeap
This lady's personality explains her financial situation perfectly. Frantic and just all over the place.
Wow! Have you ever been in this position??
sounds like denial
She’s not all over the place lol she’s got a great personality
She does sound super ditzy
Good luck...you got a mess on your hands.
It takes a lot for a credit card company to actually sue you. This woman probably has had some major issues for a long, long time.
Yeah, sue for 4k? 😮
She’s an entitled emotional brat
Yep. These are tiny amounts for them, destroying your credit score is usually more than sufficient for them.
Sign cash is tight out there, they will squeeze the blood out of rocks if they have to.
@@joelkabenno. Destroying your credit does nothing for them.
Stop calling Dave "old". Old is irrelevant. Dave is very relevant and the methods work!
Do you believe earning money is easy when you have a reliable source of income
He is old.
Have you ever thought of earning money despite your job I can show you how I double my income
Any chance he gets, John calls Dave old.
@@sblijheid And wise
Also, you can ask companies for a settlement payment and they'll slash that bill in half or more. Plus they'll give you a whole month to pay it.
People are always looking for someone to blame even if you have helped them from deep water and killer sharks.
True that! They would complain that they had to pay taxes after winning the lottery
@@racerx6indeed
Debt snowball melted mid payback. Got to see it through. Celebrate victories but then back to the grind.
They are too reckless. The best thing that can happen to them is to have their wages garnished. If you can't be responsible enough to do it yourself, let a judge order your money to go to your debt.
Faxx😊
Her: “my husband doesn’t want to follow Dave”
Deloney: “are you safe”
She.... didn't hold her breath. 😂😂
Lol John just can't help but do these corny things.
I would love to see more of this kind of energy more consistently on this channel. I love seeing the callers treated with dignity and kindness.
I adore how John treats people. He genuinely cares & changes how they feel when they hang up the phone
Thanks!
You know, people knock these companies trying to get their money back, but I don't blame them.
Pay your freaking bills. You borrowed, you pay it back.
Msgs Dave
Only in installments, not in a lump sum. People agree to pay in installments, not all at once.
@@ElliotTManThe paper you sign, (also known as a contract) when you borrow the money says what the payback terms will be. If you comply with those terms, the lender won’t ask for it back all at once.
Completely agree
That's far too reasonable for current society. It's someone else's fault always, never our own. Or, at the very least, probably Trump's fault. 😅
Why would a CC company sue over $12K and $4K doesn't make sense, there must be something else going on that she is not telling us. They would just send it to collections if anything no ?
Yea, I concur. Most banks will not go through the effort to sue the borrower directly for that amount and just do a charge-off and sell it to a debt collector
Jade: You can pay the 4k off this month. Caller: silent. Why did no one ask how much cash the caller had on hand?
When I was young in my 20's. I was spending money like crazy. I would let my friends borrow money, but I would never get paid back. I learned by my mistakes and now I am in my 60's and I saved every penny starting in my 30's and up. Now I have rental properties and I am in the stock market. Sometimes I think OMG. I am just amazed on what I have done and what I have accomplished. You make mistakes and learn from it that is what I was always told by my parents. They also told me have faith in yourself and God. Amen!
Dave Ramseys methods don’t have to be the end all be all of your financial decisions. BUT it can help you get a grasp on your overwhelming consumer debt, take care of it, then either continue to follow the steps, or LEARN how you can leverage other types of debt to make more money. But you gotta start with understanding what you’re doing wrong to begin with. Its the bad relationship we Americans have with consumer debt that causes a lot of our financial problems, whether cuz we weren’t taught something better or just choose to ignore it. Either way, there is a way forward, you just gotta be willing to roll with the punches and get back up every time you fall down.
GREAT comment.
And pay your debts
If you can save $4,000 a month, & you’re blowing it on bullshit spending instead of knocking of an entire debt in that month…. I have ZERO empathy. None.
Living without a credit score only works if you have enough cash. Most people can’t front nearly that much. Dave’s no-credit score advice works only for the wealthy.
And if you’re not a dual-income household there’s very little chance that’s you.
You'll note that credit scores only exist in backwards hellholes like the USA and not in civilised societies. This is because the very concept of credit scores is absurd.
He said don't talk bad about my friend Lindsay
Wow...that's sweet, I love it
I like listening to Dave and most of the other Ramsey personalities but why is it my eyes begin to glaze over when John Delaney starts to talk?
when it comes to people who are terrible with finances they blame everyone except themselves
Making money is not the same as keeping it there is a reason why investments aren't well taught in schools, the examples you gave are well stationed, the market crisis gave me my first millions, people shy away from hard times, I embrace them.. well at least my advisor does lol.
Investors should be cautious about their exposure and be wary of new buys, especially during inflation. Such high yields in this recession is only possible under the supervision of a professional or trusted advisor
@@Petroguest-i4g This is superb! Information, as a noob it gets quite difficult to handle all of this and staying informed is a major cause, how do you go about this are you a pro investor?
@@Aziz__0 Not at all, having monitored edge my portfolio performance which has made a jaw dropping $483k from just the past two quarters alone, I have learned why experienced traders make enormous returns from the seemingly unknown market. I must say it's the boldest decision I've taken since recently.
@@Petroguest-i4g I've actually been thinking of reaching a portfolio-adviser, my 401k and stocks been losing everything it's gained since 2019, mind if I looked-up this one coach you use?
@@Aziz__0 The adviser I'm in touch with is ''NICOLE DESIREE SIMON''. He works with Merrill, Pierce, Smith incorporated and interviewed on CNBC Television. You can use something else, for me his strategy works hence my result. He provides entry and exit point for the securities I focus on.
I would advise her family members to NOT loan them money to pay off their credit cards, unless they are willing to part with it forever. She sounds like an unserious, irresponsible person😮
10:53
I was waiting for John to ask! 😂😂😂
😂😂😂😂
She sounds young and immature. She sounds like she’s trying to pay off her debt. It also seems like more is going on in her life than she is letting on.
For sure 😊
They have the money.
Great Job Dr. Delony. At times like this your training and wisdom shines.
Brown noser.
Lol
This counseling session seemed messy. Did John or Jade ask how much was this couple's income? Jade speculated that they had enough money to clear the debts, but neither she nor John brought it home. If they paid off $60k worth of debt, then they probably can pay off the remaining debts rather quickly.
Paying a lawyer because u didn't pay your bills....😢
Does Deloney get a bonus when he asks "are you safe?" Even the caller was confused why he was asking it.
I'm just glad Dave has him wearing long sleeves to hide the scribble skin tattoos.
Quack has a script and can't deviate from it
According to Deloney, every man a a violent wife beater, and every woman is a domestic violence victim.
Do you think he would believe me if I told him that my ex-wife was violent and I was the victim of domestic violence? I doubt it.
She’s clearly scared. You 🤡🤡🤡 are just hating, just to hate.
@@GardenerEarthGuywhat’s wrong w tattoos?
Financial hardships will not be a giggling situation in the future. These relational issues need to be addressed if they want a stable future together.
Dont marry a child
Don’t get married in general, stay single: prosper and coast 👌
Delpney asks the questions he does cause this girl is so hard on herself and talks down to herself saying she’s “used to people being hard on her” and all that. She puts herself down the whole call and talks about how her husband wasn’t on board with Ramsey. Those questions he asks are 100% legitimate and necessary. She’s showing all the signs of “hiding” a deeper problem, even if she isn’t.
GREAT COMMENT. You're right.
100% I’m certified in abuse and neglect with DCF and she did have some behavior mannerisms as well as talking extremely fast and negative self talk that raised a reg flag.
@@flashthecorgi2053 Good insight.
I can see this. However, Do you think it’s possible she’s just playing the victim card to avoid taking full responsibility?
Dave's system works. It's very simple to follow.
The ol reliable "Are you safe?" line from Deloney lmao
😂
I can't believe he said that BS
Don't forget the "Don't talk bad about my friend so and so"
And the "Hey you know I'm just some stupid idiot with a microphone".
He annoys me with that lmao
Safe from what I don't get it
Female Caller - hi guys great speaking you!!
John - “ARE YOU SAFE?”
I don't believe she paid 60k off. Sorry.
Why do some people always blame other's. Just own your part and grow from it..
Because this culture supports being playing the victim card. Even if they got themselves into their own mess.
The KISS Army lovers that Gene Simmons hair, lol
So what's their income? What are they spending their money on?
This
On BS.
I was waiting on Jade and John to ask about their income. What did they do with the money that was going toward the $60k debt which they paid off?
lmao at John repeatedly calling Ramsay "an old Nashville dude" and the method "a scheme" haha
There are other good gurus that have good plans that work too. My husband doesn’t like DR either. Mostly because he won’t stop saying, “Better than I deserve!!!!!”
It might sound dumb this interview but this situation of pin someone else opinion instead of being direct to what we feel and think is more common that you might think. I love the way they addressed it
People's repressed trauma has their ego in a fit over this powerful energy.
Oh my goodness I love your advice that you gave her. No more Dave Ramsey in your narrative. Love!
It is a shame that credit card companies have to sue to get the money from dead-beat borrowers.......if the situation was reversed and the bank owed people money, the people wouldn't want to have to sue to get it.......pay your bills, period.
Banks are the biggest criminals don’t kid yourself. They steal money on a daily basis but yes you should pay your bills
Keep the comments to yourself
Numb nuts
No one:
John: aRe YoU sAfE?!?!
“Are you safe?” Oohh Yeah!!!!! 🤡
dr balony 😂
10:52 oh good lord 🙄🙄🙄🙄 always gotta put the guy in the blame zone
Your past doesn't define you onless you allow it to🤫
Dave said we don’t need a credit score and the bank laughed at me when I said that and said go see Dave for the loan then. Lol
Dave says not to take loans your absolute tool!!!!!!!!!!!!
Credit scores are one of the reasons the rest of the world laughs at the USA. Only backwards countries like the USA have them, civilised countries don't.
The sell ...surprise...... DEBT! Just like a car dealer telling you you need a new car. A credit score is only for those who want to stay in debt.
They disagree about fiscal decisions. That doesn’t equal abuse.
What do they do for a career? How much do they make in a year? Do they each make 13.75 an hour? Or 30.00 an hour? Why weren't those questions asked? If they make 20-30 an hour each, they should have no problem knocking out the debt. Of course they need to cut down on the spending. Was curious to know what they make in a year salary wise.
I was wondering why they never asked for household income, at least not on the air.
Because these two are clowns and one specialized in breaking up marriages....Are you safe, please John lol. This is exactly why the ratings are falling faster than the value of the dollar
Yeah, Jade and John were sleeping during this call.
Love Dave Ramsey but I do agree with the callers husband stand on credit scores, it is super important to have good credit! Lower Mortgage Rates. Lower Insurance Rates for Vehicle and Home. Some employers requires good credit such as Banking jobs, Security jobs, Tech Jobs, etc. Not ready to purchase a home? Rental applications look at credit scores, you might be denied or fork over a larger deposit. Avoid security deposits on Utilities? Cell phones? Cable? Etc. Do you like to travel? Hotel and Car rentals require credit cards. Even if you don't want to use credit cards, that is fine but at least keep a couple of them open to build credit. You only need to use them at least once a year to make sure they don't close the accounts.
As long as you are a disciplined individual credit cards can be very useful. 99% of all my purchases in on credit cards. #1 reason is fraud protection, if your debit card ever gets compromised you literally lose ACTUAL $$ from your checking/savings account. #2 Build good credit #3 Credit card reward points and miles. (I am personally sitting on 1.8 million miles and points). Free hotel and airline tickets or I can turn the points into $$.
Note that credit scores only exist in backwards countries like the USa, not in civilised countries.
Dave definitely gives his advice with the idea that his callers can't handle credit cards. If you are someone who budgets, it is fine to run a credit card at the register and then pay it off. As you said, there are rewards. Yes, Dave says they aren't worth it, but they can be if you are only spending on what you would anyway.
I don’t like the philosophy of “just settle the debt for pennieson the dollar.” You bought it, you took the trip, you ran it up on eating out and buying crap….you owe it. Pay it.
So bankrupcy is somethi g that should be outlawed?
Medical bills and job layoffs happen, and people get in trouble. That’s understandable. Debt for trips and clothes and furniture and dining out? If I was in charge, which I’m not, they wouldn’t be eligible for bankruptcy, no. @@jackfox5738
If the credit card company accepts it, what's the issue? I wouldn't worry so much about other people's business.
Now the government "forgiving" debts, I hear ya.
Thru & for a lot of reasons our water didnt paid for ages & the final bill was $8K! We didn’t have to pay that but my husband refused that offer. He believed we should pay that & it’s been a long slog but we see the light of day & am proud my husband chose to do that.!
Very helpful analogy of guilt vs shame with the cinderblock and backpack!
Was waiting for it and sure enough Dr. John randomly pulls out the do you feel safe lol
Blink twice
John Deloney do you ever ask men are they are ok???
Instead of trying to settle the debt for pennies or dimes on the dollar, treat it like a student loan. You agreed to pay it, so pay it.
Remember credit cards have over 20% interest rates in most cases, so if they've been delinquent for a while, the company may settle for what they actually spent versus making money beyond that. While I agree in paying your debts, people being advised this on Dave Ramsey are told this because they are in a massive financial hole.
@@b-rad-3849 I am all in on that, not holding my breath tho.....
Our marriage got off to a blessed start because we had the information and motivation to work our way out of debt...we are incredibly fortunate that we were able to attend a financial peace university class. This opportunity was huge for us.
If you don't take responsibility for your OWN financial decisions, you do yourself a disservice.
Dr. John talks tooooooooo much!!
Requires sticking to the budget along with self control it’s not easy but it’s the only way. Good luck hope you manage to achieve your goals ❤️
Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.
@PilouBen However, if you do not have access to a professional like Clementina Abate Russo, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments.
@PilouBen Clementina Abate Russo is her name
Lookup with her name on the webpage.
@PilouBen You are welcome .
Have to blame the husband?
In a marriage, you blame both.
I don't follow him either. That does not mean I don't pay my bills.
This Caller caller had me Rolling 😂🤣
I was waiting for the "are you safe" part from Baloney. And he didn't disappoint.
John always goes to the "are you safe". Ask some deeper questions and then that becomes obvious.
“Are you safe? 🤡”
dr balony 😂
Dont use a credit card if your not sticking with a budget people.
Witness what the masses are doing and do the exact opposite. I have no idea where this is from but I heard it somewhere and love my by it.
Scary is when paying nothing on credit card debt, opening other credit cards, using mortgage portion of budget for trips, and ignoring 29% plus penalty for late payments, then thinking somehow an end of year tax refund will help but it's aleady spent, while eating out instead of cooking, and neglecting to pay insurance, or delaying roof android medical coverage. That's a not safe, for sure.
Dr. John: Lemme ask you a question...
Me: If he says "Are you safe?" Imma lose my 💩.
Dr. John: Are you safe?
Me: GAAAAAAAAHHHHH!!!!!!
"Dr" John: "Damn it, as always, the other host answered everything... I need to say something to keep my job... Wait, I know what to ask! ARE YOU SAFE?!"
And we see where the Dave Ramsey dismissal crew end up chasing those credit cards and credit scores 😂
That's the kind of support you need. He taught her how to breathe because she was freaking out. But the singing cracks me up 😂
Stop telling me what to do kid.
Zander mortgage co tried to put me through the ringer at a high interest rate. Got one local in house at around 2% lower.
Will never do business with them again!!!
Do you mean Zander Insurance or Churchill Mortgage? 🤔
@@ryantcollier
Clouded with anger. You are correct. Churchill
They really babied this woman, lol. And John... "are you safe"? cringe. 😂
How do you all come up with your titles? It's starting to feel a little click-baitish. I didn't feel she was trying to put stuff off on DR, at all, they simply weren't sticking to their budget.
“Are you safe” 😂😂
I agree with the title of this video, bit I've heard Ramsey give bad advice before such as going into mlms. Thats terrible financial advice.
1. Don't date in debt
2. Don't date anyone in debt.
80% of people in debt.67% of people start their marriages off in debt.50% of Americans get divorce.#1 reason finances.If people follow this advice they will literally be ahead of almost everyone in America.
When the world needed him most, Dave vanished lol.