$200,000 In Debt. Will Your Plan Work For Me?
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- Опубликовано: 18 окт 2019
- $200,000 In Debt. Does Your Plan Work For Me?
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He's organized, he knows how much he owes and he knows that its his fault. He's already more than halfway through solving his problems. Better than these folks with 150k who plan on flipping houses to pay it off
@@yesaketeshome9968 true but he can pay them off in a year or so. He's the source of his problem and he'll be the solution as well. Dave is the guide
Yesake Teshome oh come on. I guarantee he used the public schools, roads, and libraries without paying for it ie not paying his taxes.
@@bellanicholson327 go away Russia!!!
2:51
@@euenfheiejrj Joseph is from Kentucky. They like when other people in other states pay taxes. They're no so into it themselves. Though to his credit, he is trying to dig out from his self-induced crises.
"Well, that's before taxes.." Dude, I live on $22,000/yr disability AND manage to sock money away every month.
Car loans are always a killer...
But owing the IRS is a TOTALLY different kind of problem!
Investing Engineered thankfully this guy has Dave’s help
Yesake Teshome pay them what you owe!
One of Dave's best call ever
Maybe it's a good thing to have bad credit so no one gives you a credit card .
But you've still qualify for a credit card, just at an extortionate rate. Banks aren't interested in people paying off in full every month, they live on the interests paid by people who get behind.
Well the caller was honest about not having a budget!
beans are actually quite delicious
beef and chicken really isn’t that expensive to sprinkle into a rice bowl if you cook it yourself
Caller: “ I’ve already ordered that”
Dave, I'm owing money on my Sears credit card, to the IRS, the Mafia, the guys on Chinatown, and the Mexican cartels. Please advise.
On behalf from the guys in Chinatown, I forgive your debt for two of your fingers and half of one your legs. How about that? LOL
Pay the IRS!
Witness protection program sounds like the best plan.
Run for it to Cuba & live cheap!....Seriously!
🙈 🔫
I can't tell you how much I relate to this and adore this advice, humor and smart sense. Thank you Mr. Ramsay!
KGB😂😂😂
D Chry I mean IRS
@@aidendaignault3290 that was funny.. KGB lol
Wow!! I’m impressed how he came up with such. Quick solution . Hardest part is doing it !
That’s insane. I’d lose my mind if I had so much debt!!
Steve Luistro - Financial and Life Tips wannabe
Steve Luistro - Financial and Life Tips that’s nothing. people owe wayyy more than this
@@fireengine77 ouch huehue
Is he from king of the hill? 😅
rockintherae Texan (Allen) accents are a lot less twangy.
his inflection was purebred southern/Kentuckian
I tell you hwat
😍
Lucky
First caller I've seen who points out that Dave's numbers never take taxes into account. And Dave said, "I know" 😂. Was this a sign you dont want him to pay his taxes Dave?! 😅
It sounds like his wife is in denial and has/had been running up credit card bills. He will not get out of this unless she is on board.
Buy groceries from Aldi. Saves at least half of your food money!
The guy on the phone sounds like Uncle Arthur from Bewitched.
This caller sounded so bewildered at the end... you need to pay the IRS first then handle your other debts...
It should take him more than 3 years because even the 34k(almost 33%of hos house hold income) is before tax. So if he wants to pay 33% of his income to pay debt the it will be a lot less after tax and will take him about 5 years.
Can you do a video with people who received scholarships and grants which paid for their tuition and living expenses👋
58 with $58,000 IRS debt??? Good luck ✌🏽
LOL!!!
$58,000 MUSICAL TAX CHAIRS.
And I was cringing over owing the IRS only 13 thousand 😂 sometimes I just need these Dave Ramsey episodes!
Casey that's also a good chunk to owe the irs. Don't ever owe the government
The KGB I mean the IRS
"KGB, i mean the IRS" looooool
What does Jenny think about his debt? Maybe he should start a Shrimpin Business...
Srsly though sounds like Tom Hanks prank-calling 😂
Dave or every money dollar team, when can we have the every dollar app for the europe version or the uk version, i follow you since 6 months now and i think youve got a market here with people following you and waiting for your euros or pounds money budgeting version.
Please answer my question/request
Just use it in dollars and pretend it's euros. That's what I do.
They don't normally read these, they r just for us. But they have a website with contact option to semd a message in, or call in, great idea!
Don't know how the app works, but I suppose you can tweak it enough to count the higher taxes, lower medical bills, etc?
Not sure, either, if this app is much different to any other budget app. The basics are always the same, it's about keeping track of all your spending, setting balancing what goes out with what goes in...
I'm in Europe too. You can use YNAB for as an alternative. Only the website version of Everydollar works in Europe. the paid version of iCompta also allow for down to 0 budget. Most other "budgeting" app out there only allow to follow on you expenses, which is very different from real budgetting, which is to plan for you money.
90,000 a year sound like a lot of vacationing and blowing money time for beans and rice rice and beans 🤭 let the neighbors think you broke
Lee Lee Sellz did you even listen to it? He said he hasn’t been on vacation in 10 years
Justin Brown I know what he said I'm just determining what I think if that's okay with you
Lee Lee Sellz you can have money problems a million ways other than blowing it on vacations. I think you just watched part of the video and commented. Pretty typical around here.
Justin Brown I understand that but why what I'm thinking rub you the wrong way it's just an opinion 🤔
Lee Lee Sellz and it’s just my opinion you didn’t bother to listen to the video before you posted.
Gee Dave sure does accidentally confuse the IRS with the KGB! XD
Omg...58 and hasn't nothing to show for, lesson for the young folks here, free spirit=broke broke broke
If he earns 90k but is nit making the payments then what is he spending the money on?....drugs?
Do you not think stupid people can make good money because they do it every day? 🙄💩
$500 a month on cigarettes and liquor, by the sound of his voice. But he does have 1 paid-off car!
He was busy buying Dave Ramsey's products. 🤣🤣
Joey sounds like the type of person if you say one thing to trigger him, he’ll flip out
He is an emotional thinker, he'll be further into debt a year from now
He'll take one of his guns and shoot the car that's not paid off!
Disorganised is such a nice way of saying, what a sh%t fight
So many people must have trouble sleeping at night with that much debt.
Money is debt, and debt is money. Or as Paul Krugman would say, "Debt is money we owe to ourselves."
Dollar Collapse money is a currency: It flows like a current, ebb and flow, ebb and flow. It comes, it goes but the flow never will froze. The world is abundant. I'm abundant. To me, it flows. My wealth, it grows and grows!
How did he not pay taxes in years? I guaranteed he used the services during that time like public schools and the public roads and now he’s shocked he has to pay for them?
The KGB umm IRS 🤣🤣. Did ya'll catch that😳
I'm 45 clocking 90K a year and I don't owe the IRS nothing, LOL!!!
I owe them $894 won't file till mid so April lol
Just a lil 200k problem 🤔
The KGB LMBOOOO
Best way to fix this mess is to do uber on the side until all his debt beside the house is wipe out .
Uber is neg EV after the sign up bonus
I think by law only 1 creditor at a time can garnish you wages. 3 can not be doing all the same time. I believe that is the law. People need to deal with their finances more quickly before this happens
Right. If you just give them something. Like a little money here and there. There not going to take you to court or garnish your wages .
Is it bad that I didn’t see how he needed help seeing how he could easily get out of this ? Some times I wonder if I’m wise or just seeing things wrong due to some kind of lack of putting my self in some one else’s perspective... I really don’t know lol
I’m putting you on bean & rice mehnnn...
I sense hesitation with the guy on the phone!!
Possibly too much info too quickly for him to keep up.
Of course, this is what Dave is known for! 🤔
Scary.
58k to the KGB at 58... ouch
Spending less than you earn works every time it is tried.
.
Many say they try, but they don't have the self discipline. They won't give up the 500 channels of nothing to watch or the new car every 2 years.
KGB-er I mean IRS. LOL
it's so funny that Dave loves the military and is always thanking vets for their service and suggesting young people join the service. How does he suppose the military gets funded? Uh, our tax dollars?
🍿
faking his own death and creating a new identity would be easier though, wouldn't it? 🤔
Guy sounds like Johnny knoxville playing bad grandpa
LOL
I just put u on a beans and rice for....lol.....some ppl actually LOVE beans and rice...
Percy Sherrod my favorite food. I’d cry if he said you need to quit the beans and rice.
@@heyhey11793 your my type of woman......are u Hispanic??
I’m Puerto Rican. Beans and rice is life.
@@mr.speyside5240 me roo
Love the show but can’t follow the no credit card thing
It's to keep a specific type of person from them. Normal people.
Dave never considers income taxes. This man makes $90-95k gross. Dave’s like, “Live on $60k and throw $30k at debt”. After taxes, he’s probably bringing home $70k, so it’s really more like live on $40k and throw $30k at debt, assuming we stick with the $30k to debt.
Doing taxes is like pulling teeth. So many forms and regulations. Sorry for him.
That’s why me and my husband have hired a Tax Accountant to do it for us. Cost us some but but keeps us out of trouble with IRS
Depends on your situation. Taxes are pretty simple for me.
NOT PRETTY TOTALLY DIS ORGANIZE
Does Mrs Wick have to comment on every video?
I know, I guess he think he's going to become famous through Dave🤣🤣
Mr Wick’s comments are funny and his investment advice are on point!
@Mr. Wick
I enjoy Mr. Wick's comments.
I look forward to them !
He is Dave's wife's cousin,family support
How do you even get into 200k worth of debt in Ketucky? Does this guy live in a mansion???
Lol KGB
Big math! 3rd grade level at that. 💱💱💱📚
Beans and rice
Rice and beans
This guy sounds like a robot.
Why Good incomes always falls in wrong hands?
STOP TAKING OUT STUDENT LOANS!! And charging on credit cards with money you don’t have! Find a way to get student loans covered!!! Like joining the military. Free school
Scholarships and working summers and school breaks during high school, and save the money. Some would be surprised how much they can cash flow most if not all their in state university tuition. And get a worthwhile degree please people. STEM is a good field to start......
This call had nothing to do with student loans though.
lol kgb!!!
How do u eat an elephant?
One bite at a time.
Is this a repost?
He sounds like the Tiger King
Who here has 200k or more in debt??
Steve Luistro - Financial and Life Tips nope
Me !
I have $185k without the mortgage. We have the budget in place and we will be debt free on the unsecured debts in 36 months and then the 318k house will be paid in full 5 years from that date! We are on track to be debt free in 8 years. Our 185k in debts are from our sons brain tumor surgery and living on credit cards while we were in the hospital.
Michael Self and i was just crying about my $11860.20 this morning i feel terrible for you.
Obvious this guys does!!!
Get rid of the car payment!! Go buy a cheap car
Why does Dave think being married a good thing ?
It's immaterial to the caller's question, but I'll bite...
Dave is assuming that the caller likes the person he's married to. It does happen.
Hearing "I'm married" and replying with "oh, sorry to hear that" wouldn't help the caller too much (and it wouldn't be good for the Ramsey name, either!) He is actually trying to help others - not only himself.
If the caller is married, he has someone else to work with on the debt. He's not on his own. This is good and means they are more likely to succeed in paying the debt off.
90k after taxes is more like 60k. I wish living on 60k out of 90k is doable, living on 30k out of 60k, not so easy
The worst part of this call is he said he's married. Well, there's your problem, sir.
....also cut back on the cigs maybe.
That voice ... I’m picturing a tough guy who rides a motorcycle with a leather jacket and tattoos.
He'll have certain ways to generate extra income then 😉
Just pay off your debt in the hyperinflation. We are printing 75 to 100 billion dollars a day bailing out the banks in the repo markets. This sucker is about to blow! Only an idiot would be paying off debt now.
This caller sounds like Uncle Arthur from Bewitched.
How can you be smart enough to make 70 - 90 k a year and cant do 3rd grade math ?
Denial. Procrastination.
dumb people dont have a 90k income? wrong there dave. i work with plenty of dumb overpaid people who are obsessed with buying new trucks and big houses.
The king of boomers