This Has to Stop!

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  • Опубліковано 9 лис 2023
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КОМЕНТАРІ • 2,1 тис.

  • @Sizukun1
    @Sizukun1 7 місяців тому +2753

    Married for 3 years, she got a free lexus, motorcycle, half a 401k, half a house, all her debt paid off, and probably a xmas bonus on top. All from a trucker's salary. All enforced by "the law". What a disgusting institution marriage has become in the US.

    • @dmbgator86
      @dmbgator86 7 місяців тому +363

      … and people look at others weird when they talk poorly about marriage and not wanting it.

    • @castroh19
      @castroh19 7 місяців тому +211

      This is disgusting. There are days I wish I was in a relationship. Then I see this and realize that im better off single. Men lose in divorce.

    • @jimroscovius
      @jimroscovius 7 місяців тому +283

      No, marriage is great. The problem is that he shouldn't have married her. They obviously didn't talk about finances before they decided to hook up.
      My wife and I were on the same page BEFORE marriage, and we've been happily married for 41 years with a paid-off house and no debt.
      Don't blame marriage. Blame the people.

    • @ruthlessreid9172
      @ruthlessreid9172 7 місяців тому

      ​@@castroh19yep they wrecked schools and family court let's hope they never run Nuke plants!

    • @jimroscovius
      @jimroscovius 7 місяців тому +28

      ​@@Dieselman6.7Why did you marry her?

  • @PInk77W1
    @PInk77W1 7 місяців тому +252

    I slept in my car in Los Angeles 2000-08 to pay child support.
    Doing much better now.

    • @kagnewcobra5228
      @kagnewcobra5228 7 місяців тому +39

      Moved up to a van ?

    • @deirdrekiely6187
      @deirdrekiely6187 7 місяців тому

      Use a condom. Much cheaper.

    • @jimv77
      @jimv77 7 місяців тому

      ​@@kagnewcobra5228......Minivan...Cargo Van.....Sprinter Van.....Big O'RV........Class "X"......

    • @mikezerker6925
      @mikezerker6925 7 місяців тому +32

      It’s sickening what the family court system has done to men all in favor of manipulative, conniving women!

    • @PInk77W1
      @PInk77W1 7 місяців тому

      @@kagnewcobra5228
      To b honest it was a Toyota mini van
      Cargo. No I now have bought a small
      Home cash in Coleman Tx.
      400sqft. $23k cash. So blessed

  • @01man01truck
    @01man01truck 7 місяців тому +214

    As a truck driver I can say selling the house selling the car and going over the road is the best move he can do. No rent no mortgage no car payments. Focus on paying off what you owe.

  • @nicholasmartinez6043
    @nicholasmartinez6043 7 місяців тому +479

    This poor man’s life sounds like a country song

    • @mplslawnguy3389
      @mplslawnguy3389 7 місяців тому

      These two idiots deserve each other. They will both remarry and start the whole thing over again.

    • @topnotchtx
      @topnotchtx 7 місяців тому +1

      😅😅

    • @dialac1
      @dialac1 7 місяців тому +1

      🤣🤣🤣

    • @cadizwilmo9687
      @cadizwilmo9687 7 місяців тому +13

      Play the record backwards and he gets everything back!

    • @j.l.salayao8055
      @j.l.salayao8055 7 місяців тому +1

      with gravy in it.

  • @getinthespace7715
    @getinthespace7715 7 місяців тому +347

    Force the sale of the house.
    Force the sale of all assets.
    Split it down the middle.
    Start over.
    Don't make the same mistake again.

    • @mplslawnguy3389
      @mplslawnguy3389 7 місяців тому +22

      I can hear it in the guy's voice, he WILL make the same mistake again, and will make many financial mistakes along the way. Then he'll brag about something stupid like he lowered his truck payment from $970 to $800.

    • @getinthespace7715
      @getinthespace7715 7 місяців тому +10

      @@mplslawnguy3389, yeah. If it were me, I would rent the cheapest crap hole studio apartment, by a $500 car, and maximize my over the road work. If I could make 6 figures consistently I'd be a friggin millionaire in less than 10 years.
      The Ex would either be broke because of her spending habits or latched onto some other loser.
      Not my problem. At least they make the same money so he doesn't owe alimony.

    • @mplslawnguy3389
      @mplslawnguy3389 7 місяців тому +2

      @@getinthespace7715 I highly doubt this guy will follow your advice, but that's exactly what he needs to do. There are people who are destined to be poor their entire lives, and there is nothing you can tell them or teach them, they have it all figured out. Unfortunately these type of people make up the majority of this country.

  • @Neddie2k
    @Neddie2k 7 місяців тому +337

    They marry you for 3 years and take half your shit. What hurts the most is they knew they will leave you before they said yes I do.

    • @robloxvids2233
      @robloxvids2233 7 місяців тому +40

      He's lucky, if you watch Forensic Files a lot of women literally marry a guy just to poison him and collect insurance.

    • @Neddie2k
      @Neddie2k 7 місяців тому +9

      @@robloxvids2233 😳 never thought of that.

    • @benfranklin3638
      @benfranklin3638 7 місяців тому +62

      I used to live by a lady with 4 kids by 4 different guys….never worked a day in her life. I asked another neighbor that knew her what she did for a living. His answer? She’s a professional divorce’ and breeder. Her alimony and child support was more than I made with a doctorate in engineering. And she paid zero taxes.

    • @1967davethewave
      @1967davethewave 7 місяців тому +42

      This is why the trend against marriage is growing with so many younger men. Divorces are no fault anymore so all these women have to do is be nice enough to get you to marry them and then like you said, take half. I'm union and my buddy went through this a couple of years ago. He married a woman, took care of her kids as his own and their biological dad never paid a dime, treated the woman like a queen. At the 10 year mark everything changed. She moved out with zero warning, filed for divorce and ended up with half his 401k, half his pension and half the savings. She had been a part time server at a little restaurant during their marriage so she made maybe 10% of the household income. He found out during the divorce she had been cheating on him for a couple of years. Why work your ass off, do the right thing and then just hand half of it over to some woman who was only in it for the money anyway?

    • @1967davethewave
      @1967davethewave 7 місяців тому +9

      @@robloxvids2233 Scary but true!!!

  • @Bambarbia2447
    @Bambarbia2447 7 місяців тому +229

    Why anyone would get a brand new truck with almost $1K monthly payment plus insurance while having $35K in CC debt and no savings? Talk irresponsible. I feel sorry for him going thru divorce but he also needs to reconsider his life priorities.

    • @BearsBeetsBattlestarGalactica1
      @BearsBeetsBattlestarGalactica1 7 місяців тому +33

      because in their mind they deserve a nice vehicle

    • @mplslawnguy3389
      @mplslawnguy3389 7 місяців тому +28

      This guy has a "poor person's mindset." This guy will never get ahead. He will be digging himself new holes as fast as he can dig himself out of other holes for the rest of his life. There are many like him.

    • @kensmith2796
      @kensmith2796 7 місяців тому +23

      Yes, it literally boggles my mind. I make significantly more than him and I drive a 30 year old Jeep.

    • @navsofour2892
      @navsofour2892 7 місяців тому +8

      Because somebody approved the loan, so why not?

    • @JL-hj8hj
      @JL-hj8hj 7 місяців тому +12

      This guy is not "financially smart". Anyone who pays nearly a grand in monthly truck payments was suckered. Suckered by dealership salesman, suckered by his wife, suckered by other debtors... stop being the sucker, dude.

  • @user-mv9tt4st9k
    @user-mv9tt4st9k 7 місяців тому +110

    This sounds like what happened to a guy I went to school with. He dated a girl for a little over a month when she told him she was pregnant and he had to marry her. Friends told him to call her bluff and make her prove it, we even gave him the name of clinics to take her to.
    He married her. They rented a nice apartment and he filled it with financed goodies. He financed car for them. Obviously, she was not pregnant ('big surprise).A year or so later she wants a divorce, and it was ugly. She dragged it out over how to split the the stuff HE had paid for while they were married. He met with her and her lawyer several times and she was never satisfied. He told us their final meeting lasted about fifteen minutes; he told the judge he was done and ready to sign the paperwork. All he wanted was his truck (it was paid for and he had it before he married); she could have everything else he had paid for.
    She was stunned and apparently not happy. He said it was as if she did not really want to divorce him and maybe hoped he would beg her to take him back. The divorce was granted and he never looked back. He eventually married and had three kids.

    • @JJ-mh3hb
      @JJ-mh3hb 7 місяців тому

      Dude got taken for a ride, crashed hard and then got in again...this guy is an idiot 😂

    • @i.d.6492
      @i.d.6492 7 місяців тому +14

      That sounds like literally any dude that gets married and then divorced 😂

    • @chattingman6777
      @chattingman6777 7 місяців тому +5

      He basically didn't learn any lessons at all.

    • @joelweekes4267
      @joelweekes4267 6 місяців тому

      Yeah

  • @bclayton430
    @bclayton430 7 місяців тому +112

    $30 in his bank account with a $970 truck payment?! Time to ride a tricycle to work bro

    • @TheSoulCrisis
      @TheSoulCrisis 7 місяців тому +4

      😂😂

    • @andidede3653
      @andidede3653 7 місяців тому +5

      Just waiting for the next pay check

    • @kokoskokso
      @kokoskokso 7 місяців тому +4

      at least he's responsible and pays his bills for said truck and saves for retirement, unlike wifey who just goes off shopping without a care in the world. see who's laughing a year from now.. she'll be looking for another victim to mooch off of

    • @commonsenseisntcommon1776
      @commonsenseisntcommon1776 7 місяців тому +5

      lol, and he wants to buy his own semi.....with what Monopoly money?

    • @furiousrobinson
      @furiousrobinson 7 місяців тому

      💯💯💯

  • @joshmonus
    @joshmonus 7 місяців тому +231

    "You are being managed by emotion because your heart is broken one minute, you are pissed the next minute, and you are broke and terrified the next minute."
    Dave Ramsey has perfectly described the emotional state of a man going through a divorce.

    • @cris2ivan
      @cris2ivan 7 місяців тому +10

      Ain't that the f truth 😢

    • @brettweltz8135
      @brettweltz8135 7 місяців тому +2

      Getting a divorce was the happiest moment of my life

    • @joshmonus
      @joshmonus 7 місяців тому +7

      @@brettweltz8135 Happiness and peace come after the divorce.
      However, during the divorce it's quite stressful. Especially if your ex is trying to steal the home you owned years before even meeting her.

    • @safeandeffectivelol
      @safeandeffectivelol 7 місяців тому +2

      @@brettweltz8135 That's after it's all over. The months leading up to it can be terrifying, possibly losing your children and everything you worked for.

    • @k.lamareyev4418
      @k.lamareyev4418 7 місяців тому +2

      Was reading this while he was saying it

  • @chazzkramer7676
    @chazzkramer7676 7 місяців тому +57

    Dave's right. Lose the house, the truck, and whatever else you bought together while married. Buy her out and get on with getting back to YOU. Been there, done that, got the tee shirt!

  • @arcane7298
    @arcane7298 7 місяців тому +87

    Complaining about his wife being the spender, but then admits that he bought the Lexus, motorcycle and Siverado and has just as much credit catd debt as her.

    • @navsofour2892
      @navsofour2892 7 місяців тому +3

      Good riddance either way.

    • @jjasonSU
      @jjasonSU 7 місяців тому +2

      You just don’t get it

    • @britneyog9537
      @britneyog9537 7 місяців тому +8

      You said it. Both are a financial mess. Now an ending marriage.

    • @topnotchtx
      @topnotchtx 7 місяців тому

      lol

    • @sunitization
      @sunitization 7 місяців тому +2

      They think ending marriage will fix their finances rather rather than doing a ceasefire and find a plan together to get out of the mess 😂

  • @Kaiden-Bentley
    @Kaiden-Bentley 6 місяців тому +205

    I watch several UA-cam videos on how to trade in the stock market but haven't made any head start because they are either talking some gibberish or sharing their story of how they made it and I do not want to make mistakes by taking risks in my own hands

    • @Kaiden-Bentley
      @Kaiden-Bentley 6 місяців тому +1

      @Penelope-Valentina What is the name of your broker and how do i connect with him or her ?

    • @Juniper-Brielle
      @Juniper-Brielle 6 місяців тому

      @@Kaiden-Bentley Alice Marie Coraggio her trading strategies is working for me for more than a year now and I’m making good profit from the stock market and she's 100% honest, reputable and trustworthy

    • @AdrianGonzalezSales
      @AdrianGonzalezSales 4 місяці тому

      @@Juniper-Briellethank you ma’am. How kind of you to share such valuable information

  • @Hughjanissssssggg
    @Hughjanissssssggg 7 місяців тому +290

    Imagine having a $900+ truck payment with $30 in the bank… wow

    • @user-fn9cs4dv8r
      @user-fn9cs4dv8r 7 місяців тому +4

      🤯

    • @linkbelt111
      @linkbelt111 7 місяців тому +51

      I have men working for me (several) that are in that same boat, and they don’t even realize how clueless they are.

    • @roolyfe
      @roolyfe 7 місяців тому +3

      Lmfao 🤪

    • @shameekasimon
      @shameekasimon 7 місяців тому +12

      Can you say Panic Attacks!!!!

    • @redfox_84
      @redfox_84 7 місяців тому +23

      not to mention 35k in credit card debt

  • @joelplatt2651
    @joelplatt2651 7 місяців тому +363

    I know that this has nothing to do with the video, but I’d like to thank you guys for being a huge support to me. I’m debt free as of TODAY from $79750 in consumer debt 16 months ago

    • @markh.6687
      @markh.6687 7 місяців тому +5

      Good Job!

    • @amadoutimbo
      @amadoutimbo 7 місяців тому +21

      I'm on the same journey. Had about $75000 debt. Started paying it off in June 2022. As of today, still have $22500 left and I'm paying it aggressively. It's a mentally draining process but the lessons learned from this journey is GOLD.

    • @saelaird
      @saelaird 7 місяців тому +6

      That's incredible. Awesome job! Congratulations. I've got £800 to go...

    • @iamjoedy4883
      @iamjoedy4883 7 місяців тому +11

      Crazy to see this comment. I just paid off $35,000 of consumer debt. Took just over 6 months. Congratulations!

    • @joelplatt2651
      @joelplatt2651 7 місяців тому

      Thanks all!

  • @Convosinnature
    @Convosinnature 7 місяців тому +28

    So they have no kids, only three years of marriage and she can potentially get half? That’s insane to me

    • @M.J.TheGr8
      @M.J.TheGr8 7 місяців тому +11

      Not potentially…She will get half of everything acquired during marriage.

  • @tiffanya4556
    @tiffanya4556 7 місяців тому +48

    No dude...do NOT give her the house you equally shared. Do not do that.

    • @user-mv9tt4st9k
      @user-mv9tt4st9k 7 місяців тому +3

      He is on the mortgage. THAT is why he forces sale of the house they equally shared.

  • @Ja50nkAt
    @Ja50nkAt 7 місяців тому +54

    Another man "going through it", shoooooocking.

  • @johnSmith-uz8nl
    @johnSmith-uz8nl 5 місяців тому +19

    Got married... with not much, had about $140K in my 401K and about $45K saved and about $30k in equity. My wife had about $225k saved but was under in her mortgage by about $50k. 15 years later we are worth a little more then 4million. I would have never of obtained this wealth without her... being married and having a kid was the best thing that ever happened to me. Today at 55 I stopped working... but my wife loves her job to much to stop.

  • @thekidblack111
    @thekidblack111 7 місяців тому +11

    The way Dave lit up when he said what kind of truck 😂

  • @michaelatkinson6730
    @michaelatkinson6730 7 місяців тому +51

    I don't know how people go through a divorce with all that debt. That is just horrifying.

  • @blas8866
    @blas8866 7 місяців тому +204

    Love not being married and not having kids. Everything is mine. Period.

    • @kokoskokso
      @kokoskokso 7 місяців тому +37

      sad existence

    • @commonsenseisntcommon1776
      @commonsenseisntcommon1776 7 місяців тому +24

      Amen brother, i'm with you 100%!

    • @7318ify
      @7318ify 7 місяців тому +34

      Yup, I might be selfish, but I am damn happy and love my life.

    • @7318ify
      @7318ify 7 місяців тому +35

      @@kokoskokso Maybe for you. He is living his best life.

    • @rogerhoward1900
      @rogerhoward1900 7 місяців тому +21

      ​@@kokoskoksoif ur married it's not love it's just ur turn

  • @vollste
    @vollste 6 місяців тому +46

    Man, I love listening to these people and their issues. Makes my life seem so stress-free in comparison.

    • @Aaa0483
      @Aaa0483 5 місяців тому

      Agreed

    • @Nahuelero123
      @Nahuelero123 5 місяців тому +3

      You get joy and peace from seeing other people struggle more than you, good job wolverine

    • @Nahuelero123
      @Nahuelero123 5 місяців тому +2

      That’s a big man

    • @ajax8079
      @ajax8079 5 місяців тому +2

      Never say never and don't say forever....

  • @Axl_colts
    @Axl_colts 7 місяців тому +6

    People need to quit paying these high prices for vehicles. A $950 cart payment is stupid.

    • @tmusa2002
      @tmusa2002 Місяць тому

      Yes, plus he gave them a car and motorcycle to have $4K negative equity on it. Ouch.

  • @MrDeadpool980
    @MrDeadpool980 5 місяців тому +12

    Dave’s reaction to the truck payment made me laugh

    • @guillermorios6263
      @guillermorios6263 4 місяці тому +1

      Right idk why people are surprised with that kind of payment trucks are not 30k like they used to be

    • @MrDeadpool980
      @MrDeadpool980 4 місяці тому

      @@guillermorios6263 I can’t really blame him for the reaction, this channel really has taught me never to take on a car loan again

    • @MrDeadpool980
      @MrDeadpool980 Місяць тому +1

      Still I understand Dave’s reaction, $970 in car payments when you have a large amount of debt already is insane

  • @mpgisbtsarmybaefighting2838
    @mpgisbtsarmybaefighting2838 7 місяців тому +22

    Omg, divorce is terrible 😢 good luck to him.

  • @CarlWeakAss7
    @CarlWeakAss7 7 місяців тому +55

    I hope he gets through this and stays strong. I know it’ll be hard but with faith and consistency I know he can.

  • @curtiscf1986
    @curtiscf1986 7 місяців тому +37

    OTR driver here. I went through this exact same thing a few years ago.
    Don’t let her keep the house like Dave said. Force the sale of that. Get your name off that mortgage. Everything will be settled, or split equally.
    You will recover from this.

  • @kendrapratt2098
    @kendrapratt2098 7 місяців тому +108

    I think Dave died a little inside when the caller said it’s a Silverado🤣

    • @commonsenseisntcommon1776
      @commonsenseisntcommon1776 7 місяців тому +7

      but is it a 1500 2500 3500? There are lots of silverados, and what trim level?

    • @sw6155
      @sw6155 7 місяців тому +2

      I felt the pain too… Oof… 😓 😅

    • @kendrapratt2098
      @kendrapratt2098 7 місяців тому

      @@commonsenseisntcommon1776At $970/month, hopefully it’s top-of-the-line!

    • @austintomkewitz3981
      @austintomkewitz3981 7 місяців тому +16

      ​@@commonsenseisntcommon1776 that's like telling your family your gay and then they ask well how gay are you do you do butt stuff or mouth stuff and you say both 😂

    • @zachaddington5264
      @zachaddington5264 7 місяців тому

      Me too I’m a Chevy guy

  • @warwagon
    @warwagon 7 місяців тому +34

    Every time Dave tells someone to get married a link to this video should get posted in the comments.

    • @c2s2942
      @c2s2942 7 місяців тому +10

      Well, Dave is right about marriage, but people aren’t responsible about getting married. They don’t make thought out decisions about who they’re marrying and why they want them as a spouse. They just think typically “I love them, that’s enough.”

    • @bradleymaravalli2851
      @bradleymaravalli2851 7 місяців тому +4

      This couple clearly didn't go through premarriage counseling nor were they on the same page about money, before & during marriage.

    • @Kevin-et6ng
      @Kevin-et6ng 7 місяців тому

      @@bradleymaravalli2851so people never change or want something different in the future.

    • @danielboone72
      @danielboone72 Місяць тому

      Tom Leykis is the person to listen to. Don’t get married! There is nothing in it for us men.

  • @PescesKitchen
    @PescesKitchen 7 місяців тому +13

    I used to finance a $64,000 F-250 with an $888.88 payment exactly attached to it. I had to come just shy of $6,000 out of pocket to get out of it. But I'm in a separation and at the time I shared her car because I had a motorcycle, but now I dry a motorcycle and the only thing I miss about that truck (not the payment), is a roof over my head. Today I got drenched in rain on my way into work and sat in wet clothes all day.

    • @mcdouche2
      @mcdouche2 7 місяців тому +4

      But you got to keep the UA-cam account. Congrats!

    • @keithbellair9508
      @keithbellair9508 7 місяців тому +4

      Why not just buy a economy car like a normal person? Problem is people think they need these pick up trucks to haul around their egos

    • @ItsmeCote
      @ItsmeCote 4 місяці тому

      Whn I was in a similar situation, I bought a mazda 3 for $500 and drove it around for 6months until I got back on my feet and sold it back $800.

  • @tshandy1
    @tshandy1 7 місяців тому +19

    Divorce is expensive -- emotionally and financially.

  • @kokoskokso
    @kokoskokso 7 місяців тому +28

    Awesome advice. I was even relieved when Dave laid it out like that and portioned up the sections into digestable pieces. Poor guy, wife goes shopping he saves for retirement and in the end wifey (hopefully doesn't) get half of it. Caller sounds like a good, hard-working man, goes to show how important it is to be discerning who you trust. And not just men, I'm a woman and I've had to take a hit too due to a financially irresponsible guy (earning twice as much as me but still managed to spend it all and drag me into debt). One year everything will be much different and better, just be smart these couple months. All the best to us all 🙏

    • @fleetofwjs1893
      @fleetofwjs1893 7 місяців тому +4

      Been there, done that, judge gave her the T shirt.

    • @nightfangs2910
      @nightfangs2910 7 місяців тому +2

      And I truly hope you like myself I never co habituated or ever got married again learned my lesson

    • @bamafencer12
      @bamafencer12 7 місяців тому

      The man bought the expensive toys though. He is at fault too. Why does he need a new Chevy?

  • @tomlaureys1734
    @tomlaureys1734 7 місяців тому +61

    Of all the Dave Ramsey videos I've seen this one is probably the best advice I've ever heard given to a person who called.
    I hope this guy takes Dave's advice exactly as given.

  • @Gypsy2057
    @Gypsy2057 7 місяців тому +24

    Getting rid of her now is the best thing for him. He's young enough to get his life together. It's too bad he took out such a large loan on the pickup but he is just like millions of others.

    • @evanl889
      @evanl889 7 місяців тому +2

      Problem is he will probably jump into another relationship with a new woman when the first one comes along and is nice to him. Problem is he could be stepping in it all over again.

    • @cindymann3673
      @cindymann3673 3 місяці тому

      The woman wasn’t nearly as much of a problem as his own financially decisions, according to the things he listed that he purchased.

    • @slayer5813
      @slayer5813 20 днів тому

      " just like millions of others" True!!! My buddy has a shop next to a repo business. When I'm there, you should see how many people come to claim their cars or to collect personal belongings on a daily basis. Also many car haulers in and out picking up cars. It's a continuous revolving door, it NEVER stops spinning.

  • @jaysonmoseley6569
    @jaysonmoseley6569 7 місяців тому +15

    30 bucks in the bank ks CRAZY!!😂😂

    • @TheSoulCrisis
      @TheSoulCrisis 7 місяців тому +1

      Try $0 or -$35
      Broke people problems 😂😂

    • @austintomkewitz3981
      @austintomkewitz3981 7 місяців тому

      ​@@TheSoulCrisis*poor people problems*
      Ps. I hate poor people

  • @bigcahuna42366
    @bigcahuna42366 7 місяців тому +50

    This guy's truck payment is more than my monthly house payment. Selling a brand new truck that expensive is very tough to do on private party.

    • @commonsenseisntcommon1776
      @commonsenseisntcommon1776 7 місяців тому

      right!

    • @henryanaya8459
      @henryanaya8459 7 місяців тому +1

      Depends on where he lives

    • @jasonleatherwood2172
      @jasonleatherwood2172 7 місяців тому +1

      Wow a house less than 1000$ a month in 2023 is around 85000$ mortgage lol i underatand its a old mortgage

    • @A_barrel
      @A_barrel 7 місяців тому +1

      ​@@jasonleatherwood2172 more like 130,000, which where I live are like half the houses for sale

    • @fxdnny
      @fxdnny 7 місяців тому +1

      @@A_barrel Yeah I owe 142K with a $900 payment in CA

  • @TheCanineclub
    @TheCanineclub 7 місяців тому +4

    I was in car sales for a decade - retired this year- Lat Car payment a customer signed, the payment was $2,700 for a F350 CRAZY - I had to retire

  • @rahimcastro10
    @rahimcastro10 7 місяців тому +55

    Moral of the story - don't get married

    • @blackworldtraveler3711
      @blackworldtraveler3711 7 місяців тому +11

      Yup.
      Never sign a contract where the other party benefits from breaking it.

    • @rahimcastro10
      @rahimcastro10 7 місяців тому

      @@blackworldtraveler3711lol exactly

    • @ericeandco
      @ericeandco 7 місяців тому +6

      Prenup.

    • @tracymerriman3996
      @tracymerriman3996 7 місяців тому +5

      ​@@ericeandcolately prenups have been getting thrown out. Be smart, never say I do.

    • @deirdrekiely6187
      @deirdrekiely6187 7 місяців тому +6

      Or pick better partners.

  • @ONLY1KUDWE
    @ONLY1KUDWE 7 місяців тому +40

    Man, I love Dave's straightforward advice

  • @Yogastrong908
    @Yogastrong908 7 місяців тому +407

    Dave’s biggest mistake is assuming a judge will split everything 50/50. Most judges won’t. She’ll get 75% of the house and 401K and he’ll get 75% of the debt. His lawyer doesn’t seem that great either.

    • @amireallythatgrumpy6508
      @amireallythatgrumpy6508 7 місяців тому +19

      Most judges will keep it ALL for themselves. That's how divorce court works in America.

    • @mikenelson8377
      @mikenelson8377 7 місяців тому +21

      Not every lawyer is actually good. Some just flex the title of a lawyer but aren’t good at their job.

    • @eos_2366
      @eos_2366 7 місяців тому +30

      That’s only if child custody is in involved. There’s no child involved so most states should do 50/50 for that matter.

    • @mikenelson8377
      @mikenelson8377 7 місяців тому

      Also, what I meant by ‘not good’ is not every lawyer truly knows the law that they study. It’s merely an interpretation aka opinion of the said-laws. Don’t get me wrong, lawyers know more than the Average Joe or Jill but they make mistakes too and it’s up the judge to decide what to believe. However, the Judge doesn’t always make the right decision either but that’s another can of worms.

    • @michaelpalumbo4880
      @michaelpalumbo4880 7 місяців тому +24

      If it were a woman calling he would tell her to get the "meanest" lawyer that she can find. Ramsey is a joke.

  • @ThePatriotPirate
    @ThePatriotPirate 7 місяців тому +55

    Dave, $740 was the national average for a new car payment a few months back. This is only 25% more than that, all trucks cost this much now. What has to stop is the price of vehicles going up because in case you haven't been looking around, there are no cheap ones anymore. You can expect to pay 15-20K for a very very POS used one now. Prices doubled to tripled since Covid. Most trucks new are close to 100K now out the door.

    • @bighuskermav7175
      @bighuskermav7175 7 місяців тому +7

      We paid about $740/month on a 36-month 0% loan back in 2018 for a Dodge Durango, and that was after about a $10,000 down payment. $900 doesn’t shock me at all.

    • @VchaosTheoryV
      @VchaosTheoryV 7 місяців тому +7

      For a truck around 600-700 in monthly payments, the mileage exceeds 140k pretty regularly from what i've seen. A 7-950 truck payment seems like the norm now for a fairly newer truck. This is why i strayed away from Dave is because of the disconnect from the everyday person the more our economy slips.

    • @mattyb1030
      @mattyb1030 7 місяців тому

      Since biden took office, but dumbies keep voting democrat

    • @yamamancha
      @yamamancha 7 місяців тому +9

      Maybe don't buy a new vehicle? I don't understand how people think it's better to go into massive debt at crazy interest rates rather than buy a reliable used car for $10k and then pay a qualified mechanic $3k to $5k for a complete overhaul. If you have the cash, sure, but most people seem to be needlessly drowning themselves.

    • @jmizzonini
      @jmizzonini 7 місяців тому +4

      @@yamamancha Reliable car for $10k in the post-covid economy?... In that price range you're talking about cars with 70-90k (average) mileage. $5k could cover complete suspension wear and tear replacement, brakes, tires, other minors. But any engine issues are a whole different ballgame. Buying at that price you're adding an element of randomness to if you get a car that lasts 50k miles without major issues, or 10k miles before you're in the hole for a $9k trans. Especially if you buy a Chrysler/Stelantis product .. lol (I'm a mechanic)

  • @ikxrlxi2895
    @ikxrlxi2895 7 місяців тому +10

    Not all heroes wear capes and Dave is one of them!!

  • @robertdutka3409
    @robertdutka3409 7 місяців тому +39

    Some of the best advice I've heard from Dave.

  • @Winston0Boogie
    @Winston0Boogie 7 місяців тому +7

    I normally put 2k into my retirement and then brokerage pretending I have a car debt of 2k/mth. 976 is a lot. I had a car debt of 195/mth and worked overtime to pay it off.

  • @HootieWhox
    @HootieWhox 7 місяців тому +5

    This is great advice from Dave!

  • @nicb8723
    @nicb8723 7 місяців тому +62

    This is exactly why I’m not interested in getting married. It’s hard to find fiscally responsible people who you’re compatible with and like being around. No thanks. Being single is drama free and wonderful!

    • @DC-jt9py
      @DC-jt9py 7 місяців тому +14

      I found me a Christian woman who shares my faith. In the ever increasingly godless society you need shared values. I don't know where to find those outside of the church.

    • @crowtservo
      @crowtservo 7 місяців тому +2

      Yep, I have a friend who got married at 22, divorced at 24. He’s now 45. He’s had a few girlfriends since the divorce, but nothing longer than a year. He told me that he’s never letting a woman have that much control over his life again. Every girlfriend he’s had breaks up with him when they realize he’s serious about never getting married again. If you like having control over your own life, never get married.

    • @MountainMan.
      @MountainMan. 7 місяців тому

      I've found Christian women have the same worldly standards as non-Christian women. They want a guy with big money, big muscles, or both. They're no different. @@DC-jt9py

    • @Whiskerman
      @Whiskerman 7 місяців тому

      No, do not get married or have kids. The idea of having a big family, so when you get old you will have children to take care of you is a big ole LIE. Most people die in a nursing home regardless of how many children they had.

    • @Whiskerman
      @Whiskerman 7 місяців тому +1

      @@DC-jt9pynot all people believe in your imaginary friend

  • @smokinhalf
    @smokinhalf 7 місяців тому +5

    I gave the wife the car no payment. My ex said well I get the car and I will not touch your 401k damn good deal. She left me the house and the payments almost painless. Half of my bank accout thats ok. my 401k is safe thank goodness

  • @aa777flyer
    @aa777flyer 7 місяців тому +37

    Gosh, my car payment is $336 and I hate that.

    • @carlaritchie331
      @carlaritchie331 7 місяців тому +4

      Right! I thought at first the $970 monthly truck payment was for the semi tractor he drives for work.

    • @aa777flyer
      @aa777flyer 7 місяців тому

      @@carlaritchie331 Highest car payment I ever had was $430 @ 1.74%APR. I still was freaking out, I ended up paying it off in 3 years

    • @tombkk1322
      @tombkk1322 7 місяців тому

      @@carlaritchie331It’s amazing that these $1,000 car payments are actually quite common these days! For the life of me, I cannot understand who would do it.

    • @radolfkalis4041
      @radolfkalis4041 7 місяців тому +5

      My MORTGAGE is $500/month, I cannot fathom a normal class street vehicle being almost $1k/month.

    • @aa777flyer
      @aa777flyer 7 місяців тому

      @@radolfkalis4041 I am jealous, my RENT for a small 1BR apartment is $2500

  • @kodiemclean2170
    @kodiemclean2170 7 місяців тому +1

    Respect, keep on trucking buddy
    Divorce is evil nowadays

  • @Nmdresser
    @Nmdresser 6 місяців тому +4

    God bless this man and give him strength to follow through Daves advice.

  • @tttray4258
    @tttray4258 7 місяців тому +36

    Prime example on why men shouldn’t sign a contract that rewards the woman that break it 💯💯

    • @asimskentzos9231
      @asimskentzos9231 6 місяців тому

      he was in debt before he got married, so credit councelling is needed, lots of men have broken contracts as well.

  • @selenajack2036
    @selenajack2036 7 місяців тому +462

    The most important thing that should be on everyone mind currently should be to invest in different sources of income that doesn't depend on the government. Especially with the current economic crisis around the word. This is still a good time to invest in various stocks, Gold, silver and digital currencies

    • @brandywhite9317
      @brandywhite9317 7 місяців тому +5

      The key to big returns is not big moving stocks. It's managing risk in relationship to reward. Having the correct size on and turning your edge as many times as necessary to reach your goal. That holds true from long term investing to day trading.

    • @cloudyblaze7916
      @cloudyblaze7916 7 місяців тому +4

      Even with the right technique and assets some investors would still make more than others, as an investor, you should’ve known that by now, nothing beats experience and that’s final, personally I had to reach out to a market analyst for guidance which is how I was able to grow my account close to a million, withdraw my profit right before the correction and now I’m buying again

    • @roddywoods8130
      @roddywoods8130 7 місяців тому +4

      Please can you leave the info of your investment advisor here? I’m in dire need for one

    • @cloudyblaze7916
      @cloudyblaze7916 7 місяців тому +3

      @@roddywoods8130 Mrs Marisol Cordova really seems to know her stuff. I found her online-page, read through her resume, educational background, qualifications and it was really impressive. She is a fiduciary who will act in my best interest

    • @bsetdays6784
      @bsetdays6784 7 місяців тому +2

      Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with

  • @AKAT1980
    @AKAT1980 7 місяців тому +9

    I would like to say thanks Dave, for laying out a plan that he can very well execute to get his life back. He was broken and if not for you it's no telling when he would have snapped. Prayers up for him for sure.

  • @IRISH4486
    @IRISH4486 7 місяців тому +6

    When Dave broke it down it made sense. He’s afraid because this woman is threatening all kinds of things. It doesn’t matter. They don’t have kids. Thank goodness. He seems like a nice guy. She’s a dumpster fire and then some. I’m never getting married again. It’s not worth it and the worst business transaction you will ever make in your life. Trust me. It has cost me everything. But I’ve had to loose everything to be honest and happy with myself. It’s tough but in the long run it’s the best way for me. Be ok with yourself being alone. You have to be best friends with yourself first. To be happy being alone. I see it time and time again. Unhappy people staying in unhealthy relationships just because they aren’t friends with themselves. Trust me. Be content by yourself. Don’t chase others in the street. Keep it simple and be honest with yourself. It’s a nice feeling not to be beholden to anyone. Be drama free and be happy. ☘️

  • @Godchosen23
    @Godchosen23 7 місяців тому +36

    I love how he says he works five days a week. same here.

    • @johnc2438
      @johnc2438 7 місяців тому +7

      Working FIVE days a week?!?!? The HORROR! 🤣

    • @jondoe4381
      @jondoe4381 7 місяців тому +9

      A truckers 5 days is usually 60-70 hours

    • @JustinCase780
      @JustinCase780 7 місяців тому +2

      You ever get up well before dawn to go to the airport and you see trucks. That's him. He's not punching it at 9am. 😂

    • @Shortballa11
      @Shortballa11 7 місяців тому

      @@jondoe4381thanks for explaining this. it went way over my head

  • @midlifecrisis7888
    @midlifecrisis7888 7 місяців тому +6

    Exhibit A to NEVER get married. NEVER. You don’t need to bring in the state into your personal matters.

  • @robertjeffery6100
    @robertjeffery6100 7 місяців тому

    Yup Dave’s 100% correct

  • @mikespain8655
    @mikespain8655 7 місяців тому

    Well said, very good plan!

  • @CubeDomination
    @CubeDomination 7 місяців тому +4

    this is why a prenup is important!

  • @willelliott5052
    @willelliott5052 7 місяців тому +37

    Man, the more they earned, the more they financed their impulsive purchases.

    • @TheFoyer13
      @TheFoyer13 7 місяців тому +5

      I wonder what makes people do stuff like that

    • @jeffmiesen
      @jeffmiesen 7 місяців тому +2

      @@TheFoyer13Keeping up with the joneses. Everyday I see brand new BMWs, Mercedes, or Lexuses. It’s just a car people and no one cares what kind of car you drive.

  • @xrayandy4770
    @xrayandy4770 7 місяців тому +2

    Been there and done that - It will be ok in a few years !

  • @stanley4006
    @stanley4006 7 місяців тому +2

    I have never had a $900 car payment. I thought my last car payment was too much at $627. But I always pay my vehicles off in 2 to 3 years and my last truck I had for 16 years. I keep my vehicles as long as possible and will save for a down payment to keep the out of pocket monthly more manageable.

  • @peeudo
    @peeudo 7 місяців тому +17

    Lesson for all guys. Marry someone who has as much as you have or more than you have financially. Treat marriage as a business and if there is love there you have a bonus.

    • @thatssjess9533
      @thatssjess9533 7 місяців тому +7

      The thing is, theyre both truck drivers who drove in the same truck. She makes just as much as him. She just didnt save anything. He needs a better lawyer.

    • @M.J.TheGr8
      @M.J.TheGr8 7 місяців тому +1

      He did marry someone with as much to lose as he did and she still divorced him.

    • @jeretso
      @jeretso 7 місяців тому +1

      My coworkers wife makes more money. She got him a big Lexus that he is now modifying to go on roadtrips with his buddies. Sweet ride

    • @gesalbte
      @gesalbte 7 місяців тому

      Agreed. In the coming decade, the marriage market will increasingly favor men. Stupid men will continue to marry broke women and become broke themselves. Wise men will, of course, favor the faithful women above all; but they will prefer a wealthy, faithful, and average-looking women over a broke attractive women.

    • @tmusa2002
      @tmusa2002 Місяць тому

      @@thatssjess9533He thinks he has it together when he’s bought a Lexus and motorcycle and thought it was a deal to turn those in for a $900+ truck payment with $4K negative equity, $30K credit card debt, and wants to give his half of the home equity to her… 🤔 There are TWO financially ignorant players in this relationship.

  • @dialac1
    @dialac1 7 місяців тому +53

    As a single and childless guy in his late 30s with a 7 figure networth including 401k and Roth, callers like this are a solid reminder that I must be very careful before I decide to get married or have kids with anyone. This is a nightmare. Married for 3 years and losing half your stuff plus taking on her debt. Wow.

    • @Prosecute-fauci
      @Prosecute-fauci 7 місяців тому +7

      You can never be careful enough. They have nothing to fear when they make the decision to leave you.

    • @justinlalko7834
      @justinlalko7834 7 місяців тому +5

      Dude it’s scary thinking about everything I got up to the age of 30 and a women can take it within a year I’d something I can’t stomach

    • @dialac1
      @dialac1 7 місяців тому +6

      @@justinlalko7834facts. They know the law is on their side and one morning they can wake up and decide they aren’t happy and everything you worked for is in jeopardy or she can go to Target and meet Prince Charming and decide it’s time to leave your ass with half your shit.

    • @ronaldsuarez6389
      @ronaldsuarez6389 7 місяців тому +3

      Hey don’t get married bro

    • @hugostiglitz8465
      @hugostiglitz8465 7 місяців тому +7

      I'm 52, single, home paid off,401k. Good job, and NEVER getting married..All risk no reward. You young single guys out there, dont buy the cow when you get the milk for free. Good ol saying.

  • @SammiFidel-so5tx
    @SammiFidel-so5tx 4 місяці тому +1

    Transition 😮😮😮is the whip for all

  • @idaho_7407
    @idaho_7407 7 місяців тому

    Solid advice Dave.

  • @leet47
    @leet47 7 місяців тому +8

    It's getting to be that there's no upside in marriage for men.

  • @JarettHerder
    @JarettHerder 7 місяців тому +20

    This guys truck payment is double my mortgage payment.

    • @thekidblack111
      @thekidblack111 7 місяців тому +1

      You mortgage is a quarter of average rent now away lucky

    • @roolyfe
      @roolyfe 7 місяців тому

      How much is your mortgage 💸?

    • @JarettHerder
      @JarettHerder 7 місяців тому

      @@roolyfe $453/month

    • @JarettHerder
      @JarettHerder 7 місяців тому +1

      @@thekidblack111 Im very lucky. Its a farm place with 6 acres and a house and barn and 6 other sheds.

    • @chuckokoye2410
      @chuckokoye2410 7 місяців тому

      His truck payments are insanely high, but your mortgage is insanely low, you are very very lucky

  • @richarddixon6352
    @richarddixon6352 7 місяців тому +8

    Financially unsophisticated people often spend until they won’t qualify for another loan. While the millionaires are extremely unlikely to have a $970 truck payment 😮

  • @sophie20001
    @sophie20001 2 місяці тому

    Great call and advice.

  • @michaelkirkland6759
    @michaelkirkland6759 7 місяців тому +1

    I've been there good luck brother

  • @grantv2313
    @grantv2313 7 місяців тому +3

    When you buy a new truck nowadays, there’s literally about $11k to pay for on top of the actual truck you’re buying. Taxes, fees, GAP insurance, delivery charge of nearly $3k, dealer profit. Not a shocker he’s not ahead on a 2023.

  • @chasemackay
    @chasemackay 7 місяців тому +3

    I love the matching shirts guys! Lol

  • @michellemc9517
    @michellemc9517 7 місяців тому

    Good advice Dave

  • @dannikay5959
    @dannikay5959 7 місяців тому

    Great call

  • @fleetofwjs1893
    @fleetofwjs1893 7 місяців тому +7

    Been there, done that, judge gave her the T shirt.

  • @JakeAkstins
    @JakeAkstins 7 місяців тому +16

    Your wife is the biggest financial decision of your life.

    • @asimskentzos9231
      @asimskentzos9231 6 місяців тому

      well you obviously dont put any value in marriage, it's all about the money and satisfying needs with a lot of men isn't it?

    • @JakeAkstins
      @JakeAkstins 6 місяців тому +1

      @asimskentzos9231 There is value in marriage, but there are also a lot of women out there who are intentionally with a man just for their money. Most divorces are filed by women, and most child support payments/alimony is paid by men. The divorce rate is 50% with a high chance of the man losing half their assets in a divorce. Not viewing this financially is probably the biggest mistake a man can make in their lives.

  • @pawelek7
    @pawelek7 7 місяців тому +2

    Don’t buy semi. Freight volume and prices are dropping like a rock. I drive for one of the biggest LTL and have friends who are OTR. Don’t do it.

  • @juliejohnson5724
    @juliejohnson5724 2 місяці тому

    I love the way Dave gives wonderful wisdom and common sense advice❤

  • @johnnydoe9969
    @johnnydoe9969 7 місяців тому +5

    Put everything in a trust fund to avoid situations like this.

  • @bbkyjohnson
    @bbkyjohnson 7 місяців тому +5

    Just make sure your attorney does the paperwork right!! My attorney screwed up the paperwork and my ex got my truck and $9k which was the agreement then another $18k she was never entitled to!!

    • @biggamer8655
      @biggamer8655 7 місяців тому +2

      She probably paid off or slept with your attorney or a mix of the both.

  • @tlmassenburg
    @tlmassenburg 4 місяці тому

    Great advice.

  • @sdrammm696969
    @sdrammm696969 7 місяців тому

    This Guy is amazing ❤

  • @willgates9381
    @willgates9381 7 місяців тому +3

    Stay strong brother, i had a friend that worked at GM kill himself for something like this

  • @CHAPOLEEN
    @CHAPOLEEN 7 місяців тому +4

    i was 70k deep in debt at 20 i have 2kids and a wife who was also 10k deep in debt im 27 her birthday’s tomorrow she turns 28 and we’re debt free “GOOD THINGS ARE COMING”

  • @BobSure_AKA_PotatoSmasher
    @BobSure_AKA_PotatoSmasher 7 місяців тому

    Good advice.

  • @jason76065
    @jason76065 7 місяців тому +16

    I really feel bad for the guy, I had a similar situation. A two-year marriage cost me $31,000

  • @astroboy5137
    @astroboy5137 7 місяців тому +7

    He can’t pay the payment on a pickup truck. How’s he going (if he could get financing) going to afford a payment on a semi ??

  • @Angelo80907
    @Angelo80907 7 місяців тому +5

    “The problem with divorce is, it turns a marriage into a business transaction.” Oh Pappa Dave sadly we’re living in different times. He signed that contract the day he got married he just didn’t read the small fine prints and he’s a truck driver he definitely was getting cheated on while he was away he just didn’t caught on to it. That woman wanted the divorce once she was sure the grass was greener on the other side. Three years and no kids she wanted out the first year of marriage she was just waiting for the right time.

  • @RafaelHernandez-vt8fu
    @RafaelHernandez-vt8fu 6 місяців тому

    I owe $10,000 left on my car. Very good car. I got the itch to buy a new truck since the dealer was offering me some good equity in my vehicle. Was about to trade it in and my 6yo said “daddy you don’t need a new truck”
    I listened and left. So thankful she said that.

  • @GORT70
    @GORT70 7 місяців тому +1

    I paid my 2014 Cherokee in cash $9k. 🎉🎉

  • @topsykretts2264
    @topsykretts2264 7 місяців тому +16

    Be careful who you get married with. No one’s perfect but you can definitely set you and your future spouse up for more success when you’re careful.

    • @blackworldtraveler3711
      @blackworldtraveler3711 7 місяців тому +5

      One of the most terrifying things about marriage is no fault and that a woman can say something as simple as “I’m not happy” and take at least half your stuff and weaponized the kids against you among other things.

    • @deirdrekiely6187
      @deirdrekiely6187 7 місяців тому +1

      @@blackworldtraveler3711 Should she stay if she's not happy??

    • @mplslawnguy3389
      @mplslawnguy3389 7 місяців тому

      Sounds like these kids are two peas in a pod. Neither one of them will ever get ahead. They will both be in debt their entire lives and own nothing. You can just tell.

    • @alinatamashevich3354
      @alinatamashevich3354 7 місяців тому

      @@deirdrekiely6187 None of them are happy, too many Chad's and Tyrone's out there

    • @blackworldtraveler3711
      @blackworldtraveler3711 7 місяців тому

      @@deirdrekiely6187
      I didn’t say anything about staying.
      When did leaving stop someone from taking half, delaying court proceedings, creating drama, weaponizing kids,etc..?

  • @jasonk446
    @jasonk446 7 місяців тому +3

    And this is why I never got married. With such a high divorce rate, added to the ex getting half of everything I worked hard for, it's just not worth the risk. I'll just date forever.

  • @TheFoyer13
    @TheFoyer13 7 місяців тому

    That's good advice I'll never need

  • @aceboogie2021
    @aceboogie2021 7 місяців тому +1

    970 for truck payment lol. It's almost my mortgage payment.

  • @sbenn6917
    @sbenn6917 4 місяці тому +6

    The moral of the story is, don't get married.

  • @charlesb7019
    @charlesb7019 7 місяців тому +13

    Our first mortgage wasn’t 970 a month!! (It was 875). Why would anyone buy a car with that kind of payment!?!? Insane.

    • @tombkk1322
      @tombkk1322 7 місяців тому

      Americans love their trucks!

    • @US_ARMY_25_INF._DIV.
      @US_ARMY_25_INF._DIV. 7 місяців тому +2

      I always see these working class to middle class guys driving 70 k to 90 k trucks......half of them do not even have a trailer hitch on them and you can tell they are not hauling anything in the bed....it is a total vanity buy....the smart guys that need a powerful truck for construction type work buy the paired down work trucks with crank manual windows and am/fm radio and no other bells and whistles.....the same guys that have a 900 dollar truck payment cry and blame Joe Biden and the country in general for having no money and not being able to buy a house...i love it...i hope they will always be in dept and never get ahead....total man-boys....

    • @ragnardanneskjold7675
      @ragnardanneskjold7675 7 місяців тому +3

      @@US_ARMY_25_INF._DIV. imagine buying a 90k truck to throw cinder blocks and plywood in so it can bounce around the bed and dent it up. These truck prices are so insane.

    • @woxyroxme
      @woxyroxme 7 місяців тому +1

      Bought my house in 1995, payment was $647/month. These all hat no cattle guys driving around in pickup trucks are not too bright

  • @hedgiegal3340
    @hedgiegal3340 7 місяців тому +1

    I agree, there's a lot of money unaccounted for here.

    • @FortuneSeek3rz
      @FortuneSeek3rz 7 місяців тому +1

      I have a theory that only about 10% of the callers that are on Dave's show actually tell the entire truth. They're not technically lying, but they never go into every single detail.

  • @TheLizardKing1967
    @TheLizardKing1967 7 місяців тому +4

    Case in Point. That's why you don't get married or go into debt.