Dave, I've Made A Mess For Myself!

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  • Опубликовано: 29 окт 2024

Комментарии • 242

  • @jh26pt2
    @jh26pt2 2 года назад +93

    Delony’s “attaboy!” made me laugh out loud. I always like it when he’s one of the hosts.

    • @datacipher
      @datacipher 2 года назад

      He’s a loudmouth bully that is only tolerable when with Dave since he has to keep his place somewhat with the real man there.

    • @Crazyhorsedillpickle
      @Crazyhorsedillpickle 2 года назад

      Yea, sounded a little jealous to me.

    • @actuallyterry
      @actuallyterry 2 года назад +1

      @@Crazyhorsedillpickle wait, are you saying that Delony is jealous of this callers pile of debt?

    • @Crazyhorsedillpickle
      @Crazyhorsedillpickle 2 года назад +1

      @@actuallyterry Maybe jealous of the amount of money he makes. Regardless of that debt.
      The condescending, "THERE IT IS".

    • @dahirdahir3809
      @dahirdahir3809 2 года назад

      He’s annoying just like Dave and Ken

  • @A-t-r-u-s
    @A-t-r-u-s 2 года назад +57

    Goes to show that even those making ridiculous amounts of money a year are not always in financial peace.

  • @cazpk6840
    @cazpk6840 2 года назад +43

    The problem is that he is not organised. Hence the financial mess. He needs a plan.

  • @nephetula
    @nephetula 2 года назад +26

    "We're in big debt, but we thought it was okay to buy another house."
    And these people went to college??? Unbelievable!

    • @luoro5802
      @luoro5802 2 года назад +1

      my tenents pay for my second property...

  • @BrandonMinguez
    @BrandonMinguez 2 года назад +102

    Having an income greater than your student loan debt is a great place to be in.

    • @jaybartgis5148
      @jaybartgis5148 2 года назад +8

      I have 10k in student loan debt and make 11k annually. Bring out the margaritas baby!!!!

    • @westsidesagittarius3103
      @westsidesagittarius3103 2 года назад +3

      @@jaybartgis5148 umm that's tough I hope ur joking

  • @leapheap6837
    @leapheap6837 2 года назад +80

    This guy won’t take your advice. You could tell he was deflated when Dave told him to sell the second house. This guy will continue to be in debt with the dumb financial decisions he continues to make.

    • @aolvaar8792
      @aolvaar8792 2 года назад +4

      My home is appreciation at 42% YOY, $160K a year increase.
      SELL IT????

    • @rudysmustache
      @rudysmustache 2 года назад +1

      Him saying "I hope" and "I pray" we can get out of debt were huge red flags. As Dave said, it's just math and the path is laid out right in front of them. They either do it or they don't. Hope and pray has nothing to do with it.

    • @bangladeshirealtor
      @bangladeshirealtor 2 года назад +2

      yea , selling it isn’t smart . he’s going to lose money on it currently . keep it as a rental , let it appreciate and then maybe sell it down the road .

    • @ralphholiman7401
      @ralphholiman7401 2 года назад +2

      It seems that a whole lot of people come to Dave wanting to know how they can get out of debt without changing anything at all in their lifestyle.

    • @dannyhantx
      @dannyhantx 2 года назад

      @@aolvaar8792 Zoom out.

  • @joefunk76
    @joefunk76 2 года назад +65

    Manages to become a nurse anesthetist and make $320k year (okay, combined), all without any ability to perform 1st grade math. That is kinda scary.

    • @djbabs1092
      @djbabs1092 2 года назад +1

      Really scares me

    • @Isabel-re7sl
      @Isabel-re7sl 2 года назад +7

      there’s a lot of people out there who don’t know math!! lol

    • @jcman240
      @jcman240 2 года назад +10

      I see it all the time as a CPA...got one couple who makes 450k and can't even max out their 401K

    • @clarifyingquestions
      @clarifyingquestions 2 года назад

      Exactly!!

    • @clarifyingquestions
      @clarifyingquestions 2 года назад

      @@Isabel-re7sl All of America!!

  • @kylenelson9486
    @kylenelson9486 2 года назад +73

    What a pointless call. You earn 10x what most people make.
    You have properties that you rent out. How can you not figure this out?

    • @Dbeaves2493
      @Dbeaves2493 2 года назад +1

      He's from Terre Haute, you have to have been around these people to understand how Hautians think. They are a different breed.

    • @elizabethanderson6468
      @elizabethanderson6468 2 года назад +17

      Yeah, while listening to this I kept thinking how I wouldn't want this guy administering my anesthesia

    • @SummeRain783
      @SummeRain783 2 года назад +2

      Greed

    • @johnmitchell2741
      @johnmitchell2741 2 года назад

      I personally think most of these call are sorted threw some are just mind boggling to listen to

  • @JosiahK555
    @JosiahK555 2 года назад +107

    This guy... 320k a year, less debt than a year of income. He's fine, good lord, people would kill for what he's got coming

    • @anthonyamato6367
      @anthonyamato6367 2 года назад +6

      But it’s more than a years income, $275k in student loans, $200k on a secondary home, $35k in cars. He’s not good with money. Even if you take out the second home he still has a years salary in debt. That’s horrible. None of this is counting his primary residence.

    • @kylekq
      @kylekq 2 года назад +9

      @@anthonyamato6367 Umm once he pays off the loans he's just like most people with a mortgage and car payments. Then he has a 320k+ income and can be a cash millionaire in under 10 years, that is literally not horrible. A mortgage payment and car payments are nothing at 320k a year.

    • @anthonyamato6367
      @anthonyamato6367 2 года назад +2

      @@kylekq if he’s smart yes. He sounds like he doesn’t mind the student loans. It’s like someone making $50k a year with $80k in debt, not counting the primary residence.

    • @jml9550
      @jml9550 2 года назад +2

      @@anthonyamato6367 crazy interest on that student loan.

    • @theodorebusche7325
      @theodorebusche7325 2 года назад +2

      @@kylekq Let's not forget that's gross. Probably netting around $220k after taxes for the year.

  • @andrewhollenbeck662
    @andrewhollenbeck662 2 года назад +230

    This guy inspires me to go into crippling debt so I can go on the show to make people feel better about themselves :)

    • @JustinCase780
      @JustinCase780 2 года назад +8

      This guy will inspire everyone in a few years, when his student loans are paid, making that much bank.

    • @aynia3262
      @aynia3262 2 года назад +4

      😂

    • @VegasMilgauss
      @VegasMilgauss 2 года назад +6

      Silly comment.

    • @lot2196
      @lot2196 2 года назад +8

      I know lots of people who live beyond their means and it never seems to bother them. I keep waiting for reality to bite them but they just buy a new suv and take another vacation.

    • @thomaspoucher4089
      @thomaspoucher4089 2 года назад +7

      He isn’t in crippling debt, I bet he has 15-20k left over after all his bills are paid at the end of the month. Why is he even stressing?

  • @mikesawyer4707
    @mikesawyer4707 2 года назад +1

    Hope without action is not hope. They must act!

  • @yamamancha
    @yamamancha 2 года назад +12

    John didn't get to ask the caller the second question. I wonder what it was.

  • @briank3754
    @briank3754 2 года назад +33

    At least he has a useful degree and the loans are less than a years salary.

    • @FR-tb7xh
      @FR-tb7xh 2 года назад +1

      No, they’re not. He’s got 275 in school loans, two cars’ loans - one for 30k and the other 5k, and a 200k 2nd home mortgage. Plus another mortgage he doesn’t even detail. That’s 510k before his main mortgage. He ‘only’ makes 320/yr. Not even close.

    • @mrb152
      @mrb152 2 года назад

      F R. Why are you counting his second home? That’s likely not due for 30 years and the rental income certainly pays for it. It’s a no factor. Dave is just saying to take the small amount of equity from it to pay for the high interest bearing loans and to not have the risk of the rental property.

  • @fabbz94
    @fabbz94 2 года назад +32

    I feel like he just called to show off how much he makes... 320k a year and he crying about 1500 a month.

    • @hollyb6885
      @hollyb6885 2 года назад +2

      I agree.

    • @bee12355
      @bee12355 2 года назад

      If he make so much money, then why is he in so much debt.

    • @piotrnarozny3388
      @piotrnarozny3388 2 года назад

      Nonesense.

    • @fabbz94
      @fabbz94 2 года назад +1

      @@bee12355 school debt

    • @Lon1001
      @Lon1001 2 года назад +3

      @@bee12355 lifestyle.

  • @stevethecheese
    @stevethecheese 2 года назад +32

    Dude makes $300000 and complaining about a $1000 student loan. Why does he need to call?

    • @lindakranak8717
      @lindakranak8717 2 года назад +5

      Sometimes just to confirm you are going in right direction

  • @BitterComments
    @BitterComments 2 года назад +46

    Caller: A black mamba just bit me and my arm is disintegrating!
    Dave: Sell the car.

  • @megalodon1726
    @megalodon1726 2 года назад +13

    Why is it so common for medical professionals to be spendaholics, taking on debt on top of their student loans and saving/investing very little or nothing of their high incomes? Medical school should have classes on financial discipline.

    • @cameroncook1164
      @cameroncook1164 2 года назад +4

      The whole system is built on financing things. If you can’t afford tuition you get loans. Living expenses you can’t afford you get loans. So for 4-8 years you’ve never had to worry about paying stuff you are used to borrowing anything and not really planning.

    • @jerrylansbury9558
      @jerrylansbury9558 2 года назад

      Simple.......the more you make........the more you spend !

    • @staceystrukel1917
      @staceystrukel1917 2 года назад +3

      @@jerrylansbury9558 try the more you make the more entitled some people feel.

    • @jerrylansbury9558
      @jerrylansbury9558 2 года назад

      @@staceystrukel1917 For sure not entitled to save !

    • @daynapeterson9033
      @daynapeterson9033 2 года назад

      All for SHOW!! Dave says the biggest barrier to becoming rich is living like you are BEFORE you really are.

  • @LittleMopeHead
    @LittleMopeHead 2 года назад +6

    This is why it doesn't matter how much money you make, spending and not understanding your personal finance will make you poor. This guy needs to take it slow. Get rid of debt first. He will sleep better at night.

  • @jowensblack48
    @jowensblack48 2 года назад +11

    If he put 20% of gross towards that student loan debt he'd have it paid off in less then four years...idk what he's other expenses and debts are but. He makes good money he just needs to live on less.

  • @lisaowen7617
    @lisaowen7617 2 года назад +9

    I would get rid of the car before I would get rid of the house.

  • @queen.kristal8395
    @queen.kristal8395 2 года назад +24

    I don’t know why he brought another home 🏡 with all that debt just sell it and use it towards your debt most people buy a 2nd home if they are millionaires

    • @stefancoban59
      @stefancoban59 2 года назад +1

      Real Estate is a good investment

    • @queen.kristal8395
      @queen.kristal8395 2 года назад +2

      @@stefancoban59 not when your half a million or more in debt it won’t get them out of debt quickly just sell

    • @stefancoban59
      @stefancoban59 2 года назад +4

      @@queen.kristal8395 a good investment has nothing to do with debt. It is good no matter the student loans or car payments.

    • @SummeRain783
      @SummeRain783 2 года назад +1

      @@stefancoban59 it’s a stupid investment when you’re already in debt period. No investment is entirely risk free and that includes real estate. Though there will always be greedy people like him out there trying to buy property he can’t afford then rent it out to make others pay off his mortgage. All while also creating a housing shortage.

    • @chivimbe
      @chivimbe 2 года назад

      @@stefancoban59 real estate is a good investment. However for this particular caller, it doesn’t sound like it’s a good fit for him.

  • @dr.mohamedaitnouh4501
    @dr.mohamedaitnouh4501 2 года назад +3

    I love watching this show ... these two folks are really smart people

  • @darex0827
    @darex0827 2 года назад +17

    I have a $1000 in student loan payments, so I'm going to go out and buy a brand new car with $30K in debt. Definitely got an advanced degree in D.U.M.B.

    • @droid2D2C3P0
      @droid2D2C3P0 2 года назад +3

      @@saulgoodman2018 not with nearly 300k debt lol they should have waited

    • @droid2D2C3P0
      @droid2D2C3P0 2 года назад +1

      @@saulgoodman2018 yes, AFTER he's out of debt lol

    • @droid2D2C3P0
      @droid2D2C3P0 2 года назад +1

      @@saulgoodman2018 it's nothing to do with Dave it's just common sense lol you're the one trolling on a Ramsey video haha best of luck to you man

    • @stealthyman789
      @stealthyman789 2 года назад

      Saul Goodman is right, Samantha you are a blind follower

    • @alinatamashevich3354
      @alinatamashevich3354 2 года назад

      PHD, in DUMB

  • @adr8nalin92
    @adr8nalin92 2 года назад +9

    Pay off your 5k car loan first and use that money towards your other car debt.

    • @Lon1001
      @Lon1001 2 года назад

      yet again, just use the snowball method, works every time.

    • @adr8nalin92
      @adr8nalin92 2 года назад

      Yet again you don’t always have to follow what “daddy dave” says

  • @Questioneverythingx
    @Questioneverythingx 2 года назад +51

    Makes 320k and talking about paying off a car 😭

    • @mlovespring7892
      @mlovespring7892 2 года назад +4

      Yes, this guy a nut. Making $320k and struggling to pay off debts?
      Just basic math and he has all the money yo do it.

    • @cw5948
      @cw5948 2 года назад +3

      @@mlovespring7892 Do remember a lot of that disappears to taxes.

    • @Questioneverythingx
      @Questioneverythingx 2 года назад

      @@wordsalad01
      And his student loan debt is less than his annual salary as well. His money is going elsewhere is the problem.

    • @SummeRain783
      @SummeRain783 2 года назад

      Where did all his money go so far? Is he sleeping in diamonds?

    • @Questioneverythingx
      @Questioneverythingx 2 года назад

      @@SummeRain783
      What I’m sayin haha

  • @thomaspoucher4089
    @thomaspoucher4089 2 года назад +20

    A years salary in student loan debt is not bad at all when you are making this much money. I’d much rather have 300k in debt making 300k than 20k in debt making 50k

  • @theydontknowmeson007
    @theydontknowmeson007 2 года назад +11

    Dr d and Dave are my favorite duo

  • @jamestellsthetruth
    @jamestellsthetruth 2 года назад +2

    yea....please dont listen to this....your problem isn't the rental.... your problem is the school loans. Once those are paid off you will be rich

  • @bosstime2010
    @bosstime2010 2 года назад +3

    Someone set me straight. Why do you need a shovel to get OUT of a hole?

  • @brettwalsh2847
    @brettwalsh2847 2 года назад +3

    Vampire is my new favorite Dave term. I hope this becomes common vocab.

  • @fwebster6226
    @fwebster6226 2 года назад +6

    Wow, imagine how great this guy will feel when all that debt is paid off?

  • @robintyson591
    @robintyson591 2 года назад +1

    What was the second question I wonder?

  • @maryperrysmith5815
    @maryperrysmith5815 2 года назад

    Young man you can do this hope will not pay it off. Your hard work will indeed pay it off. This is just a burp in time. Then it will be over.

  • @markg999
    @markg999 2 года назад +2

    Biggest way for most to become wealthy is have the ability to live below your means. At $320k if they can live on $80k and invest rest they will be set. But most that do well gotta look the part and dont really get that ahead as well as they could.

  • @ThekillingGoku
    @ThekillingGoku 2 года назад +1

    Telling him to live on like 100K/yr until payed off using the other 220, fine.
    Then the rice 'n beans speach ... how in the world is 100K/yr rice 'n beans again?
    Sure, it's all gross numbers, but still ... 100K living expenses is still way high compared to the average.

  • @chrisgreene9745
    @chrisgreene9745 2 года назад +1

    Friends who are CRNAs try to keep up with anethesia Docs, always a recipe for disaster, Live more like the RN that you are , and prosper ! Toyota vs Mercedes, state side vacations vs Tuscany.

  • @nicholeknight1893
    @nicholeknight1893 2 года назад +1

    Wow I didn't know the students loan debt was the high wth a nurse anesthetist.

  • @lauraschwed1545
    @lauraschwed1545 2 года назад +3

    Has said it before…Says it in his book. I’ve heard him say it plenty of times and it’s also kinda duh 🙄

  • @luisquinones6998
    @luisquinones6998 2 года назад +1

    And… 2050, the caller never changed….

  • @carolynstewart8465
    @carolynstewart8465 2 года назад +1

    How can such smart people be so clueless about money?

  • @mohammadwasilliterate8037
    @mohammadwasilliterate8037 2 года назад +8

    *When I was younger and needed a car loan I borrowed the MINIMUM I needed and bought a basic car that was cheap to run, I don't understand people borrowing huge amounts on a devaluing item, seems crazy.* 😉😉😉😉😉

  • @thehardertheyfall3764
    @thehardertheyfall3764 2 года назад +1

    How do i get in touch with Dave Ramsey, im from Namibia n desperately wanna share my financial situation with him, its a very unique one n im sure he will appreciate it... i need his emal plz plz

  • @JakerCastle
    @JakerCastle 2 года назад

    Yep bad tax advice Dave. He would not qualify for the full residential exclusion on that sale.

  • @YasutakaHirasawa
    @YasutakaHirasawa 2 года назад

    if he is renting a property and assuming mortgage payment would be mostly covered by rent, I would keep the investment property.

  • @jeanlaubenthal698
    @jeanlaubenthal698 2 года назад +2

    Is this the whole story? Partner income,debt?

  • @chookchack
    @chookchack 2 года назад +3

    A nurse who does OT can make 140, no need of a major.

    • @alinatamashevich3354
      @alinatamashevich3354 2 года назад

      So can an electrician and a plumber.

    • @chookchack
      @chookchack 2 года назад

      @@alinatamashevich3354 True, but in this particular case the caller is definitely already a Nurse before taking anesthesia major on a loan. You can even study abroad and pay a tenth of what you pay here in the US. But of coarse its easier to just get a loan though. 🤣🤣🤣

    • @alinatamashevich3354
      @alinatamashevich3354 2 года назад

      @@chookchack This guy has a typical "cart horse" relationship issue. Nothing more. His priorities are jacked up. Bankers love these clowns. Lifetime employment for them

  • @jefftaylor5462
    @jefftaylor5462 2 года назад

    Terre Haute, IN, did you go to rose-hulman and get all those student loans?

  • @jamestellsthetruth
    @jamestellsthetruth 2 года назад +4

    Put 150k a year on 320k???? Dave you do realize that 320k is going to be taxed around 40%....then health insurance etc...so he is supposed to live on 20k a year....good luck finding rent and food for basically 1k a month

    • @bee12355
      @bee12355 2 года назад +3

      I don’t think he take that into consideration. In his world we are living tax free.

    • @Lon1001
      @Lon1001 2 года назад +2

      effective federal tax rate on $320k is about 25%, state tax and other govt deductions are ~10%, other payroll deductions like benefits or retirement contributions are maybe $7-8k per year which leaves him with ~$200k take home pay. maybe $150k towards debt isn't quite feasible, but ~$130k could be if they were intense about it.

  • @raziel2215
    @raziel2215 2 года назад

    Don't sell the house

  • @cbr630
    @cbr630 2 года назад

    Why Is selling the rental a good idea???

  • @djpuplex
    @djpuplex 2 года назад +14

    $320k a year probably walks around like his owns the world, shiny new luxury vehicle big houses eats out all meals, jet sets all over the globe and is crushed under debt.

    • @stefancoban59
      @stefancoban59 2 года назад

      He deserves it. U can enjoy your useless numbers in a broker account while doctors enjoy life. U would not understand this because u are not a doctor.

    • @anthonyamato6367
      @anthonyamato6367 2 года назад

      @@stefancoban59 what are you talking about?

    • @sunsetatshabooms4558
      @sunsetatshabooms4558 2 года назад +1

      wow. That's a lot of assuming

    • @stefancoban59
      @stefancoban59 2 года назад +1

      @@anthonyamato6367 I'm talking about the lifestyle that a doctor affords and deserves. The fans of Dave care too much about their mutual funds and net worth, while doctors enjoy their life.
      The person to which I was responding seems to be full of himself and acts like a financial know it all.

    • @djpuplex
      @djpuplex 2 года назад

      @@stefancoban59 I'm a nurse and majority of doctors I work with have a lower net worth than I do. Most are incredibly upside down.

  • @robertfrank6058
    @robertfrank6058 Год назад

    Lots of people in the comments don’t get why he needs to sell the rental house. It’s really simple. He is in love with debt. Debt for student loans, debt for houses, debt for cars, etc. people who spend their life thinking debt makes you rich have endless payments taking away their income and putting it into the banks income statement. They always have an excuse to buy something they can’t afford and the debt trap never goes away. There is always a bigger house, a nicer car, another rental. Then one day it all comes crashing down under the weight of all that stress. You heard a grown man who should be celebrating how he will soon be worth $10M or more, worried how he will ever clean up his mess. Instead of having peace he is living in stress and anxiety.
    Imagine instead ignoring the math. Sell all the crap. Realize you don’t own that stuff, it owned you. It was your master. Free yourself from its chains. Being debt free in a year never look back. With that big income you have the ability to save up and pay cash for anything you reasonably need while investing for retirement. Having peace and wanting for nothing.
    Which life is more satisfying?

  • @AustiuNoMatterWho
    @AustiuNoMatterWho Год назад

    he doesn't have a shovel he has a backhoe and a full construction team with that income. He should be debt free today.

  • @Rashaadthegr8
    @Rashaadthegr8 2 года назад +6

    If you can't pay for it on cash you three times or more you can't affordable it.

    • @donaldlyons17
      @donaldlyons17 2 года назад

      @@saulgoodman2018 when it comes to housing that can almost never be true

  • @lkj0822g
    @lkj0822g 2 года назад +33

    "The only thing that will speed it up [paying off debt] is to pay off higher interest rate, but that's not what we teach..." Every now and then, Dave lets the truth slip out. Dave acknowledges math only when it supports "muh baybee steps".

    • @David-wo9un
      @David-wo9un 2 года назад +3

      I am confused; I have heard Dave say countless times that the interest rate is not the problem, pay off smallest to largest. He actually told this guy he would pay off faster by knocking out the highest interest rate first; what am I missing?

    • @lanaj1107
      @lanaj1107 2 года назад +16

      I think from a psychological approach paying off the small loans first make sense. It's progress for people who only make minimum payments.

    • @megandrewm5450
      @megandrewm5450 2 года назад +9

      He has explained this with another caller. Mathematically the fastest approach is highest interest first. The best physchologic approach is smallest amount first. His baby steps are based on most financial troubles coming from quick gratification so his approach is meant to fulfill that to keep people going.

    • @hollyb6885
      @hollyb6885 2 года назад +1

      Wow. Dave FINALLY admitted that the interest IS the problem.

    • @Stephanie-rf9xs
      @Stephanie-rf9xs 2 года назад +1

      As a CPA, why didn’t you OBJECT to Mr. Ramsey giving tax advice he IS NOT QUALIFIED to give?

  • @WeBeatMedicare6969
    @WeBeatMedicare6969 Год назад

    I made a mess too…all over the toilet a little while ago..:

  • @larryc1964
    @larryc1964 2 года назад

    This guy shouldn’t be driving a $30k car! Buy a $5000 car Dude!!! Pay cash for a cheap car and drive it until you get out under the debt!!

  • @jazzymichael
    @jazzymichael 2 года назад +3

    What kind of nurse? I can't understand what they're saying

    • @zariaswift2904
      @zariaswift2904 2 года назад +1

      Nurse anesthetist. A mid-level provider similar to an anesthesiologist

    • @SD-ip2wb
      @SD-ip2wb 2 года назад +1

      @@zariaswift2904 there is no way they are similar to an anaesthesiologist no way

    • @jazzymichael
      @jazzymichael 2 года назад +1

      @@zariaswift2904 Thank you! 🤱👨‍🍼👩‍🍼🧑‍🍼👨‍⚕️👩‍⚕️🧑‍⚕️

    • @xiomaragomez6649
      @xiomaragomez6649 2 года назад +2

      @@SD-ip2wb is a doctorate level advanced nursing degree

    • @theerlife148
      @theerlife148 2 года назад

      @@SD-ip2wb very very similar, more than likely they’re the ones intubating you during surgery FYI

  • @Damon-qt3fw
    @Damon-qt3fw 2 года назад +2

    Take out a HELOC for 79% of the value. When you sell, the closing pays off the debt. That’s a “loss”. So you get that money tax free.

  • @Fern517
    @Fern517 2 года назад +1

    Get it!

  • @Mr_Fairdale
    @Mr_Fairdale 2 года назад +6

    Sell the cars. Keep the rental.

  • @dacianbonta2840
    @dacianbonta2840 Год назад

    scheming and scamming for shortcuts

  • @mattenderle1766
    @mattenderle1766 2 года назад

    They made $140K to $320K and think they’re rich….

  • @RebeenAmin1980
    @RebeenAmin1980 2 года назад

    How can I talk to Dave Ramsy guys?

  • @brianwood4204
    @brianwood4204 2 года назад

    Paid first three bills off on snowball

  • @clementine7823
    @clementine7823 2 года назад

    320 k for a CRNA? That’s way too high. Average is 200k or so. Maybe his wife also makes 120 or so? Did he specify?

    • @theerlife148
      @theerlife148 2 года назад

      Depends on the hospital and if he has one full time gig and one part time. He can easily make $320k

    • @cassphanh6678
      @cassphanh6678 2 года назад +1

      He didn’t specify. He just said their combine income was $320k

  • @luoro5802
    @luoro5802 2 года назад

    i cannot relate anymore. is there a rich ppl version of this youtuber?

  • @betitos11
    @betitos11 2 года назад +10

    Why is Dave saying he wont pay taxes no matter the profit? You will pay taxes if you have owned it less than 24 months. And why sell it if its just there renting 🙄

    • @Stephanie-rf9xs
      @Stephanie-rf9xs 2 года назад +3

      This person will pay tax UNLESS the rental home is sold at a LOSS. ANYONE seeking tax advice should speak to a professional such a CPA or Tax Attorney because their fees will be lower than when the IRS send “those heart stopping letters” demanding back taxes penalties in EXCESS of hourly fee of a tax professional!

    • @AaBbCcDdEeF
      @AaBbCcDdEeF 2 года назад

      Because Dave has his own way of calculating taxes. They don’t typically teach his way in school; they teach the boring stuff that the IRS publishes.

    • @betitos11
      @betitos11 2 года назад

      @@AaBbCcDdEeF - No such thing as his way on real estate transactions, this person will pay taxes if he makes any money or will lose money after paying commissions. Only way Dave has his way of calculating taxes is the millionaire way because instead of paying income taxes like we do, their businesses make them money. Dave doesn't have a job.

    • @AaBbCcDdEeF
      @AaBbCcDdEeF 2 года назад

      @@betitos11 to simplify, it is a joke about Dave giving bad advice on taxes.

  • @vinnygarofalo1722
    @vinnygarofalo1722 2 года назад +21

    Reminder that callers should NOT take tax advice from Dave Ramsey

  • @tysonhayes5201
    @tysonhayes5201 2 года назад

    I bet his new house is a big part of the problem. Not the old one

  • @nikkster01
    @nikkster01 2 года назад

    laugh guys but would you prefer to have a witch doctor with no loans in the operating room

  • @alinatamashevich3354
    @alinatamashevich3354 2 года назад

    He needs to get on some N2O and fast. Makes life easier.

  • @hsingholee4972
    @hsingholee4972 2 года назад

    What car is he driving? I bet it's a $100k Mercedes.

  • @carolinel2530
    @carolinel2530 2 года назад

    The caller is not wise.

  • @mlovespring7892
    @mlovespring7892 2 года назад

    This guy is a nut. Calling in to brag is more like it.

  • @Jane5720
    @Jane5720 2 года назад

    What does his wife make?

  • @MuffinTessee
    @MuffinTessee 2 года назад +5

    Dang man on a $300k income I could set aside at the very least $250k a year.. This seems like a no brainer

    • @jimbragu
      @jimbragu 2 года назад +4

      taxes exist

    • @MuffinTessee
      @MuffinTessee 2 года назад

      @@jimbragu Thank you so much for your insightful feedback! Because my numbers were very specific and are 100% exact lol.

    • @jimbragu
      @jimbragu 2 года назад

      @@MuffinTessee well your number was so outlandish that you may have been a child who has never heard of taxes before. I mean you were off a realistic number by about 100k.

    • @MuffinTessee
      @MuffinTessee 2 года назад

      @@jimbragu Could have been talking about post tax income, we don't know. Feel good to win RUclips argument over nothing?

    • @jimbragu
      @jimbragu 2 года назад

      @@MuffinTessee yes it does

  • @farukhkhan1281
    @farukhkhan1281 2 года назад

    100k a year life , that's broke ??

  • @ItsYaBoyChanning
    @ItsYaBoyChanning 2 года назад

    What job does he have ? Nurse what

    • @christinaw8660
      @christinaw8660 2 года назад +2

      Nurse esthetician, I think

    • @ItsYaBoyChanning
      @ItsYaBoyChanning 2 года назад

      @@christinaw8660 thats what i was thinking but wasn’t sure lol

    • @hotmama78
      @hotmama78 2 года назад +3

      Nurse anesthetist

  • @MrFiremind
    @MrFiremind 2 года назад +3

    Telling him to sell the property isn't a good plan. He's going to regret it.

  • @JoseLopez-kc4ow
    @JoseLopez-kc4ow 2 года назад +1

    Anybody else not like delony? He seems too rough

    • @oc9782
      @oc9782 2 года назад

      He’s one of my favorites

    • @2hrsToChooseThis
      @2hrsToChooseThis 2 года назад

      He tries too hard. That’s for sure.

  • @isamisam19
    @isamisam19 2 года назад +1

    How to be debt free..
    All u have to do is be a Muslim...

  • @SD-ip2wb
    @SD-ip2wb 2 года назад +6

    “Nurse anaesthetist” huh? If you’re a nurse, you’re not an anaesthetist, an anaesthetist is a doctor. It’s amazing how nurses try to equate their training with medical specialists

    • @bethanybrown2391
      @bethanybrown2391 2 года назад +5

      Nurse Anesthetist - google it.

    • @xiomaragomez6649
      @xiomaragomez6649 2 года назад +8

      You are incorrect. A nurse anesthetist is advance nursing degree at a doctorate level. Of course is no MD title but you still have to meet certification and training to be sufficient.

    • @hollyb6885
      @hollyb6885 2 года назад +7

      Huh? A nurse anesthetist IS a profession.

    • @theerlife148
      @theerlife148 2 года назад +8

      I’m assuming that you have no training in the medical field. A nurse anesthetist or CRNA is probably the most advanced degree you can obtain as a nurse, highest paying too. A anesthesiologist is a Doctor that is in charge of all the CRNAs. Hospitals actually prefer to hire CRNAs because they’re cheaper and do the exact same thing. By the way CRNAs at Kaiser makes about $150/hr. Do some research before trying to put down a CRNA or any nurse by that matter. And I’m “just a nurse” at Kaiser making $90/hr

    • @beepersify
      @beepersify 2 года назад +3

      Lol that’s literally what his job is called

  • @carlycruise
    @carlycruise 2 года назад

    First and second

    • @JjValentino
      @JjValentino 2 года назад

      You go first... you best me mate

  • @JjValentino
    @JjValentino 2 года назад

    First