We Are Pregnant With $540,000 In Debt And We Are Scared!
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- čas přidán 30. 08. 2016
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Sometimes I think people just call Dave just to hear him say that it'll be ok. Get on the budget, sell the car, etc. These are things every Dave fan knows. But hearing Dave say it himself in his 'Dad voice' has to be the best.
Sometimes we need a push in the right direction. If we don't have good parents or role models, we don't have this person. I feel very much that Dave has just done this for me. I'm 26 going on 27, in debt, ill, depressed, and I've never felt so hopeful and like someone actually cares about helping people get it right. This man is incredible.
Yeah i cant call my parents for these types of things hearing him say it really helps
I think more to do with fear than anything. People may logical know what may need to be done but when you are in the fire it is hard to think.Sometimes an outsider that can think calmy is what needed to make a game plan.
@Trinder3467 yes he is i watch my uncle everyday
Spmetimes a voice of someone you trust is what helps you start. Yes, he knows that (hopefully), but if the free call makes him start - perfect, thanks Dave!
Sometimes i think i have it bad till i hear someone with these kinda problems.Wow.
so true.
pontiachotshot omg yes!
Jack Sparrow You are so right and I am a woman. i have a friend with a a doctorate and immediately pumped out five kids. Has never used her Vanderbilt University degree but brags aboug it often.
lynn smh. that's crazy.
pontiachotshot ......So true.
Caller: I’m $2 in debt and make $2 million a year
Dave: Sell the truck.
Caller: Ok....
Revan1606 😂😂😂
Too funny 😂😂😂
😂😂😂
I'm late but.......😂😂😂
I like to think the caller didn't even tell Dave he had a truck. Lol.
The problem is we all want it at the same time..the education, the marriage, the house, the babies, the cars..who cares if we're $500,00 in debt?! WE HAVE IT ALL!!
This is why women are having kids in their 40s 😆😆😆😆
Yes, that's the vail of the elusive American Dream that we are all sold.
😂😂😂😂😂😂
Well said
Exactly- it just comes naturally without having to work for it, right!?
I guess $540k in debt means there isn't any spare cash for condoms.
LOL!!!
Could of pulled out
Hilarious!!!
Easyly solved. Pull out when you re coming.
@@raymondschembri5042 that does not work.
3 month old baby with another on the way 😳
My mom and brother are only 10 months apart lol just think about that
Katherine Fotopoulos uhhhhh.......
Pramod Regmi exactly 😳😳😂😂
Katherine Fotopoulos step brother?
Exactly!!!
I don't understand couples who get pregnant again IMMEDIATELY after having a child. Dude, let your wife heal and get the baby into a routine before you even THINK about being intimate again. Control yourself.
And does NO ONE go to their final postpartum visit? The doctor or midwife should be putting you on birth control at that appt to promote proper birth spacing. SMH.
My thoughts exactly having a baby and giving birth is so traumatic on your body it can take up to 1 year to heal fully, not to mention the stress of a toddler and newborn. I want to have a big gap of 3 or 4 years between my kids in the future if possible
Some people like having their kids close together so they grow up together I guess.
Maybe they don't believe in birth control, and jacking up the wife's mind and emotions with hormones.
+Anthony Anderson ... Just because you like the IDEA of having babies close together doesn't mean you SHOULD have them close together. A woman's body needs time to heal after birth, the baby and the family need to bond and it is recommended that a baby is breastfed for at least six months. It's exceedingly hard to breastfeed AND grow another baby at the same time. Plus, the caller stated that his wife is prone to high risk pregnancies. These folks can't afford two babies that close together financially or otherwise.
There are SEVERAL non hormonal methods of birth control available. Spermicide, a diaphragm, a cervical cap, the Paraguard IUD, male condoms, female condoms, ABSTINENCE ... need I continue?
All these people ripping this guy. Then Dave gives him Financial Peace. Nice to see someone just saying I know you made mistakes I will help you through it. Dave has a great heart for people.
Birth control is $20-$50 a month. Easily affordable. No excuse.
Birth control is free if you count abstinence.
If you want to declare war on basic biology.
most the time there are even free options
Many people, like myself, dont believe in hormonal BC because it has abortive features so we use condoms or withdraw method. And abstinence isnt biblical. A man and his wife are meant to be together. It was an accident on their part but i just want to inform as you clearly dont know the situation
Oh brother.
The caller sounded so nice! Good luck, I hope everything works out! Praying for you 🙏
Yeah nice and stupid
Your prayers are surely gonna solve his debt.
I can't believe everyone is focused on the kids... I cant get over a broke dude that makes 160k a year! Out of control spending!
Strange Garage exactly the children are babies .. they don’t make financially wise choices
He does not make 160k a year. Him and his wife COMBINED make 160k, and as he explained she had to go on medical leave due to her high risk pregnancy, so the income went to below 100k.
Right?
Are children really a "blessing" if you cant afford them. What is the rush to have children when one simply cant afford it?
Yeah they will be more bless ed if you just abort them 🤕
J. Boadi there’s a rush because biologically you only have a certain amount of time to breed with your partner.
J. Boadi Children aren’t a blessing if you can’t afford them. I feel sorry for these kids.
Pulsar1984 No. having children you can’t afford is selfish and it makes you a bad parent and a bad human being. I would not bring a life into this world I couldn’t not afford to take care of.
Preachhh...omg..i can't deal with ppl n their problems. Sometimes i wonder if their thinking cap is on or they just naturally dumb😒💁
Jeez. I was over here freaking out over $245 in total debt.
As you should be
Conor Court you should be
Yes that's financial suicide. Scarry.
Why do you even have that? Just pay it off.
Facts
Always a stupid truck!!!!
When are Men going to realize that a truck doesn’t make the Man.😑
Cory Spears
It does psychologically when something else isn't big like the truck...you know it's a really big problemo if it's one all jacked up sportin big wheels and tires lol
Same for women and clothing makeup and jewelry everyone had a Preference in what they like in life let the man enjoy life or men. I understand your ballsacks are the size of raisins but there’s no need to insult real men out there
I have a PlayStation
The truck makes a man feel like a man but he can't afford the truck!
However he is a father and that's more important
@@dortiz81706 At least a Truck has uses, unlike dumb shat WOmen "need"
After having a CZcams account for over 10 years, I have to say "The Dave Ramsey Show" is one of my jewels of subscriptions!
This couple needs to practice celibacy until they debt free frfr
They will never be debt free
Birth control bro...
@christ1313 just curious but how? If God says they are to have a baby, they will have it. Birth control or not.
lol that's assuming the surgery is done correctly and a vasectomy is a form of birth control btw. It is literally for sterilizing men.
MsTeaAndCrump3ts I still don’t see the problem with a vasectomy...
I have 3 kids and mostly debt free except for a mortgage. Kids are not a problem. These people have what you call rich people problems. They make good money but still spend way too much. Its all about self control.
Im a business owner and some of my employees drive nicer cars than I do but I make way more money lol. Financially it dosn't make sense to me but as a business owner its a blessing if you know what I mean.
bruce tec You’re describing the book “The Millionaire Next Door”
It’s called trying to keep up with the joneses. Until you don’t care what people think of you, you will always be in debt.
Why does Dave seem so abnormally calm in this video?
Sarah Meyers their non mortgage debt is about 220K and their income is 165K (when both are working) so their 'shovel' is of good size for their 'hole'
He likes babies on the way stories ;)
He has been through a similar situation so he knows this guy doesn't need someone going off on him right now.
Right lol
Someone has to be
The compassion you show total strangers is inspiring.
Keys to the good life: education and contraception. Can't have enough of either.
Betsy, Thanks for commenting and watching this video! Don't forget to subscribe! czcams.com/users/DaveRamseyShow
Betsy J. Miller 🙌🏻
But not education based on stupid student loans in majors that don’t make no money
@@nobad6134 Facts!
Living above your means is the hardest thing to control for some people. some people could make 30,000,000 a year and be in debt
Og maco Sheesh yeah true hence why so many professional athletes end up bankrupt! There is certainly a space for teaching more about how to live within your means and which things to prioritise.
This is what happens when people don't learn money management.
@@jhoncena1111 and people who care too much about what others think of them
Dave is everyone's Dad, when Dad didn't teach you finance. He is a good egg.
I didn't have a dad, he was a loser who didn't even pay child support, so I was never taught good financial management. My mother worked 3 jobs, but she still couldn't teach me much about finances. I mean, she thought she was doing the best and maybe she was, she obviously wasn't taught much better, because instead of 3 jobs she should have found a way to get one really good job. Easier said than done I know, but maybe if she did that life would have been better for all of us.
@@littlered3533 kids dont come with handbooks we do the best we can. Sorry for you Dad, I cant imagine what he went through in his life that he turned out that way. Good thing your mom took over and was strong. Now you get the chance to change your family tree, and put a plan together to live like no one else... go for!!!
Why do people have kids when they can't afford them
Thelondonbadger and how much does it cost for daycare? Easily $1000 per month in many areas.
LTJuni0r he makes 166k have the wife watch them
Because they cant nut outside
What do you expect? America is stupid nowadays.
Wiliam Forsythe woah why say that
Why are they still having kids!?!
Right SMH...
Because children are a blessing.
+David Brighina Children are a blessing, but don't have 5 kids if you can't afford them!!!
tifking73 if you make more than 30k a year then you make more than 98% percent of the world. the rest of the world doesn't have the problem of not being able to afford five kids, its just our american mindset that we need to have it all and then some. PS children are worth sacrificing.
I think the American mindset needs to change, we don't "need" everything the average American family pays for. Cut down on things like iPhones, Internet/data, car payments, credit cards, eating out, buying convenience meals, huge houses, etc.
This is probably my favorite call that I’ve heard because Dave is so loving about the situation, no judgement was passed. He made him know that it won’t be this bad for forever.
He makes 100 thousand and has a 300k Morgage and he sounds so worried. I wish I had those problems
himmie1, thank so much for the recent subscribe! Welcome!
I know ... Right???
himmie1 . Yeah I do not get how people with $100,000 income are so money stupid.
himmie1 pretty good money. But when living outside yourr means you mind as well be broke cuz thats what it will lead to.
himmie1 me and my wife make over 100k a year and I was not comfortable spending any more than $170,000 on a house.
This is the kinda guy that tried to keep up with the Jones’s, but little do you know... he’s in debt up to his eyeballs
I love ❤️ how calming he explains something. It helps when I’m getting stressed over my budget.
I would def add selling the home if they are not under water and get an apartment. My heart goes out to these ppl.
I know my gosh $300,000 home
Good luck to you! You're gonna make it!
I teared up on this one. 😢 Dave's encouragement is such a blessing.
"Have you ever done a bunch of stuff stupid?" Lol I died
These videos make me feel better about life. It's like financial Jerry Springer.
It’s not a bad idea to wait to have children for a few years to get a little ahead
“Have u ever done anything stupid?” Let’s put it this way, VISA has a statue of me in their HQ. You do the math.
LOL
dave ramsey is my father in my head. I take every thing he says to heart. God bless you Mr ramsey for providing leadership to all
pull out game weak
@Sheriff Hoyt my abortion game is solid
W A P
Paid off 2 credit cards and my car.. Almost debt free!!!!
But no education and no house
Allison Waters you don’t know that unless you know her personally
Wait until you buy a house
@@bsm6776 I’m buying a rental property next year
@@simplybows1 in cash?
Bless to come across dave shows his truly a wise man with very helpful tips. ..life changing advice
Dave can be so harsh sometimes, but boy does he make you feel like you can believe in yourself again.
You just watch they will be calling Dave Ramsey again in a year or two talking about how she's pregnant again...
Cerron Pritchett ha ha ha ha
Going thru a divorce
No sympathy. He makes so much and complaining about selling the truck.
How was he complaining about the truck?
He said he was going to sell it, his wife's car and buy 2 cars with the cash.
Get off your high horse
you are a good man Dave
A lot of what he says is common sense but sometimes it helps when someone else says it
Man my life is so much better than theirs i gotta stop complaining
Its probably not. They have 30 years to pay off their debt
Condoms. Those should always be in the budget
Yea Dave you shouldn't be cheering for this guy to have kids.
Kids are great. Sell the truck and have 3 more. It is great to have kids in your life!!
+Abdullah Abdullah lol. I'll pick happily unmarried.
I like that app, great advice. Thanks
Dave Ramsey is great. This is a tremendous example of taking an impossible problem and breaking it down into smaller pieces and having a plan to try to get this mess cleaned up.
I know he has to get a future plan for his business by getting all these "personalities" involved, but I am sorry there is only one Dave Ramsey. If he ever stops, I can't imagine what sill happen.
Instead of sleeping with your wife and making more babies work another job and get out of debt faster.
No one adds up their total debt amount until they start listening to this show. They only know what the note/payment is and as long as they can afford that, then they are presumably doing good.
Dave I've subscribed today! Great content!
Dave cheers when he hears someone who has no money and is having a baby!?!
These student loans blow my mind.this can't be good.
Dave Ramsey I love you dude!!
Papa Dave - way to go!
why have children when you're in 700, 000 in debt
because if you want them at all the female is only reproductive(safely) for 6-10years after grad school and you gotta have a house for them to live in
Thank God he's trying!
Budget is key! Great video
I just turned 20 and god I know it sounds bad but I love the way the people sound when he first tells them what they gotta do
It all good advice. With his income and, hopefully, his wife's income, he will make it. It's all a matter of money management.
I got anxiety just listening to this call.
I feel really blessed when I listen to these callers
I so love this man.
Gosh 6 figures but still struggling
so all these income numbers that they're throwing around, that's gross or net? If it's gross, then some of this math doesn't make sense.
When he said, "I can sell my truck and buy two cars cash with the equity;"
That was music 🎶 to Dave's ears. 😎
Great advice! 👍🏿
Jeeze i only got 10k In debt and I am crapping myself because I lost my job. But this guy makes everything seem alright
nw8000 I hope everything works out soon for you🤗 Now go out and have as many kids as possible, buy an expensive car, and get the biggest house on the block. Works for everyone else 😁😁😁 Have a happy Easter 🐣
Thank god I got a vasectomy won’t be having these problems
i dont always agree with dave but he always does what he feels is best. he is a good person. and his plans do work.
Please make EveryDollar available in the UK as well! The page looks amazing and I would love to try it but I don't use dollars! :(
stop having kids u cant afford
Talk to your doctor about some birth control options.
U are really a King of Money🐺
Had a credit card that my girlfriend stuck me with 6600, got disabled took 5 years to pay off transferred to 0% card then did again to another that was low . Got rid of the debt on just s.s. it can be done
lol. hardship deferral? compound interest still piles on. They will never pay it off. income based repayment is better. school loans will be gone in 25 years.
Lolz
And I’m stressing over owing my credit card $300 🙃
Lol you can hear his sadness when Dave says to sell the truck
How about “we borrowed 10 years from the future and now we have regrets”.
most stupid thing i did was buy a bently on my 30,000 a year pay
...and I thought my $20,000 of student loan debt was bad.
Oh, it still is!
I would love to talk to Dave Ramsey here. The guy is a genius.
Doing a hardship deferral is not a good idea ...interest collects like it’s no body’s business
Some of you are ruthless. Having kids isn't their problem (and they definitely should NOT abort, smh). They have a problem with managing and budgeting their money. If he listens to Dave's advice, he and his family will be fine.
I agree these people have no heart😒
Keep your political views to yourself... some of us believe in abortion.
+Michael R You know nothing about me or my political views. Be quiet.
Of course their problem is managing and budgeting their money. But does having another child help that? No it makes it 10x worse.
BTW no one is saying don't have children, just don't have them when you're 500k in debt and scared asking for help. Only morons do that.
none of these comments have a heart of grace smh.
he has had tons of friends and family and all of their hearts of grace helping him.
Isn't workn
+Christopher banacka How do you know hearts of grace are not helping him?
Romario Smith agree!!!
Romario Smith easy for people been crytical of others when they are not the ones with the problem. Allot of the comments arent helpful but its ro be expected .
like seriously weird people
you are awesome
Whoopsie!! How did That happen???!!! 😂 😂 😂 😂
Alot of these callers just literally hurt themselves.
How do you make $100,000+ a year and still have financial problems? You know what i think... People always max out their income to the point where ONE small slip up takes them under. Making 100k a year, you could save 50k and live off the other 50k. After about 5 years go by, now you have a quarter of a million to pay off your student loans, go on a vacation, put a large down payment on a home and ultimately have a low mortgage payment with a large down payment. Im just curious to know what habbits do they have. Like do they shop alot? Do they drink alot? Do they gamble? Do they go on extravagant trips? Do they eat steak & lobster every day? Somewhere in the middle of his income he is living beyond his means KNOWINGLY
When you make 150k you will learn income tax takes over 40% of that income.
I use mint instead of every dollar.
So? At least you're using something.
I can link mint with chase and my other accounts, I love it!
I use mint for the past 11 years. Best app ever.
People deeply in debt who keep having kids will never make sense to me. I understand accidents happen but not repeatedly.
Having children can be a blessing when planned ahead of time.
They have a 3-month old and she's pregnant?! They seem to have good jobs; maybe they should take a remedial biology class. And Dave says "YAY". Yeah, babies are a blessing, yada, yada, IF the parents can afford them
I was crying because in $10k in debt. Now I'm smiling :)
Lol
These videos always make my student loans look like nothing, lol.
I have never done ST👀PID things (financially speaking). I'm allergic to poverty. I own my house outright and I've been debt free since 2015. I have no children (by choice) and my net worth is substantial. I thank myself every day.
We have no debt (excl mortgage) but spent all the money we had on house renovation to move in to the house with bought. Listening to the proadcast to feel better :( building savings again from zero :(
$700 car payment 😳
6 fig salary
People are addicted to problems, just keeping adding them on top in the name of "social expectations" you just end up as chattel!! 👍
I just realized I have never done anything majority financially stupid. I have taken risks that didn't pan out but nothing majorly stupid.
I'm surprised Dave isn't more freaking out on this guy. That is an insane amount of debt for that income and them having kids.