That's Dumber Than a Rock!
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- Опубликовано: 17 ноя 2020
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"Hey young family friend, here's a lease on a truck 1.5x your annual income."
- not a family friend
Husband : i work on a boat for 3 weeks a month
Also the husband: ahhh yes i need 65 k truck . Truck goes vroom vroom
How's the car over mileage when he's not even home to drive most of time?
@@Uncleamo42 drove it back and forth to Maine a few times maybe? That’s at least 3,000 miles a round trip, Bwhahahahahaha.
Mommy issues xd mommy look at me I got a big truck
@@Uncleamo42 I was wondering that also
He works hard!
Chris: Call em back and ask them to take back this blessing. 😂
Haven’t watched this yet but that statement is hilarious
Im still cracking up,
This is v.scary.u have the same name on RUclips as me.hey friend 😀
@@ktsterlin9304 in the words of Funky Dineva, it was an ole nasty read. 😂
🤣🤣
"Tell tug boat boy his car is gone.." X'D
😂💀
F for the tug boat boy
That was hilarious!!
LOL
Why would you even have a car if it sits for 75% of the time?
When someone you've never met cares more about you than family friends.
I think it happens a lot more than we realize, considering how us humans are with our relationships.
That's what Christ does in people's lives.
Yeah I’m very satisfied with my 2002 Honda Civic. Hearing car loan stories helps me to never want a car note EVER!!!!
@SuperPunch76 2008 Corolla here, just bought it in cash for only $2700. It's almost as good as my roommate's 2016 Corolla.
i am happy with my bicycle
@@michaelfjmusic 2007 Toyota Matrix here... I paid 3700 for it... better than driving a car that I can’t afford
Yeah I drive a 2001 Buick Park Ave and love that I don’t have a car note .
Ain't that the truth. I love my 2012 Passat with 209k miles. She might have some mileage but shes all paid off!
You’re working at a tire store to pay off his Truck. 😩
thats sick
wow.
I laughed a little too hard at that
I laugh at this statement to it sad
He can get new tires at a discount though
It’s always a truck
But I like twaks
Nissan Frontier for life!!!! 😄
Dave is like a dad with a firm hand, and a acting out of love.
Yes he is, other than my own dad he is one of the few people that speak sense with money.
Dave: “ it’s a truck ain’t it.” 😆😂
😂😂
A dagum truck!
Unnessesary extra vehicle always a good guess!
Corey Diroll right, that a cc or buying too much house.
BUT I JUS GOTTEH HAV DAT TTRRRUUUUCCKKK!!!! 😂
Segments like this help remind me why people who earn less than me are driving new cars and living in bigger homes. I'll stay debt free😎
Dude. At my work place I have about 19 employees and except for 2 of them. They all have better cars than me.
Couldn’t agree with you more! I love driving my 2011 Toyota Camry for 9 years now and it’s payed off. I also love seeing my net worth grow with retirement in site at 42 and I’m 37 now. 😊👍
@@theflightsimulationexperie6894 dude that’s AWESOME!!! I bet there’s so many haters around that talk $hit about you. They all seem to love that debt.
@@user-cv3gd2wr5q very true. A lot of them say “why not a bigger home and newer car”? I say, it’s ok, I’ll be financially free in 5 years. You enjoy working for someone until your 65 to hopefully pay off all your assets.
@@lvluptoaverage52 don’t let it affect you, you are being smart. My workplace is like that, people whom I know I make 3x as much as driving awesome cool cars and trucks. Just gotta keep playing the long game!
I appreciate when Dave calls out corrupt and immoral business practices.
Eh, but is it but it isn’t though. It is because the dealer (family “friend”) knew that they couldn’t afford the car but made them believe they could. It isn’t because she agreed and signed it. 🤷🏼♂️
@@mikenelson8377 There is absolutely personal responsibility at play here I admit, but come on folks. We shouldn't have to live in a "gotcha" economy. Car dealerships should focus on selling quality products, not burying people in unsustainable debt. Frankly, this needs to be regulated more in my opinion. This lady should not have qualified for a $60k truck omg. And this dealership is supposedly her friend? Give me a break!
@@brockb3692 -
No way they should have qualified. I can’t believe their income was higher in Maine when they signed the lease, horrible.
@@brockb3692 It was done through family, there you go
"Call them back and ask them to take back this blessing!"- Chris Hogan
🤣😂🤣
Leased a vehicle they didn't need, couldn't afford, and then went over mileage on it. Yep, that'll do it.
Leases are the most expensive way to use a car! Should avoid them for sure.
Sounds like the 1st two years of driving the truck were in Maine too. So crazy harsh snowy winters and road salt. Oh and I’m assuming since his profession is on a tug boat that it was a sea coast Maine town so salt spray too! That’ll de-value that thing a bit more to add insult to injury.
Just one reason why I wouldn’t want to lease a vehicle. What’s the use in having a vehicle if you have to be careful you don’t go over some set mileage limit? Of course, you may not want to use your own car to drive coast to coast and instead rent a car, but what about a one tank trip every month or so?
How did he put so many miles on a truck while he is on a boat?! I think she’s been joy riding it a bit.
You mean fleeced
The money that people put into cars always shocks me
I bought a used 2019 Mazda CX-5 and I have trouble sleeping at night. I can’t imagine 60k in car debt. I’d die.
@@anthonyjames4319 i have a 2014 Mazda 6. Best car I ever owned.
Even when I was working it was only an hour to and from work and my car was still in the garage or parked about 22-23 hours a day.
Now since I retired I get 2-3 months to a gallon of gas.
I was making $160k a year and the most I’ve paid so far on a car was $15k used. My 4th car since high school paying cash and all totaled less than $40k.
I stopped being shocked years ago.
I paid off my Camry early thanks to Dave's show and advice, and it's a great feeling. Even when I get the itch to trade it in for something nicer, I remind myself all the money I'm saving just keeping it at this point for the long haul.
@@anthonyjames4319 i bought the same car back in march, a 2019 mazda cx5 grand touring with 12k miles.. paid it cash though... i love my car!
“Tell tug boat boy his car is gone” 🤣🤣🤣
I was like😮🤭
“Too many people are buying things they can't afford, with money that they don't have... to impress people that they don't like!"
Garry V
Meanwhile everyone else is doing the same and no-one actually cares what anyone else has got. And they don't seem to realize they're all in the broke club.
In the rock's voice: It doesn't matter what you think of me!!!
More specifically to impress people they don't even know or interact with.
This is a great life lesson at 23. She wont make this mistake again.
Yes she will😭😭
23? sounds older.
She probably 43 and to embarrassed to say😳
@@RAZASHARP 🤣💀
I think she might have if Dave didn’t offer help. I think the coach, Ramsey plus and FPU will change this for her.
"Umm we have 2 vehicles..."
*Rant mode Dave entered the chat
"Tugboat Boy" 😂😂😂😂
😂😂😂😂
Cars worth 70k with an annual income of 50k. Working, sorry slaving on two jobs to keep up with the payment. Lucky you made this mistake at 23 years. Hopefully you will be straight before you turn 30.
I don’t recall me making this dumb mistake when I was 23. Already realized cars depreciate when i was way younger so never spent more then 10k on a car, EVER!
No 23 year old needs a 65k truck.
I'm 20 with a $74k truck. But I don't make $50k a year..!
What the heck do you do for a living ?
Ian, what kind of life is it to be driving around in a used Honda all day? No, we all need to be driving proper cars that tell the world that we are somebodys. That we have made it.
ACR I drive around in a used Honda. I highly recommend it!
@@costco_pizza You haven't made it unless you own it. If going to a dealership and taking out a 72 month loan at 19% intrest is making it then I'm certainly not doing something right.
It's absolutely mind-boggling how much money people spend on stuff
Especially with no money of their own.
@@blackworldtraveler3711 if they had saved up $60k there is no way they would hand it over for that truck.
@@chrishart8548
Very true.
That’s the best thing about using cash.
I’ve seen so many people change to cheaper vacation or eliminated it all together after saving cash.
@Sysiphus Syziggy Biden will make Holidays free for everyone. And Free Cars. Free houses for all. Free everything. We just pay with taxes!
@Sysiphus Syziggy someone will still be working somewhere
That poor woman working 7 days a week to pay for an insane luxury truck to wait for him to get off a tugboat? Wow. How could he think that was okay? I get that they are young but holy smokes. This woman wants to go to college and instead she has to go to get out of lease school. So sad that her "family friends" gave them this special deal to put them into horrible debt. What a mean thing to do to a young couple just starting out. She sounds hard working. She did not mention what his side hustle is when he is off from the boat during the fourth week. I love Dave's response.
This dude is driving his luxury truck and got him a working woman! it's hard to find a working woman who won't complain about working
Well this is how equality feels like i guess
Also women make awful choices in men and leave good ones when they are young all the time to be with a POS
Sounds like the family friends did do what they could to knock a chunk off of MSRP. Can't blame them for the customer's dumb financial choices.
@@forresthodge1024 True he would have just gotten the debt elsewhere...
"Yes sir" and "No sir". Any young man or woman that uses these terms these days when speaking to an elder or superior were raised well. This is a true lady.
Probably comes from being in the national guard
HoodedStalker
Or being raised well like not many other people these days.
Very True.I meet customers these days and when you say yes sir or yes mom,they say you don’t need to call me sir but you can call me Rob or John and you say sure.2 Mins later you say thank you sir and they look at you like there is something wrong with you
JESUS SAVES
What an excellent name.
That really depends upon where you're from. Here in northern California, we are plight to each other and also don't like hearing sir and ma'am lol
Outward signs don’t tell you who’s rich or poor, only the bank does that.
🥶
I used to think people with really expensive cars were rich BAHAHAHA!!! That was in my younger days, before I knew better. People ask me why I don’t upgrade my 15 year old Toyota Camry. Why would I, it runs great!
The bank, and 401k, and any income producing assets.
@@VS-fo9py Very tempted to buy a vehicle cash. My SUV was a total no brainer. Maybe next year I will try to sell and get something paid for.
84 month financing. Leasing. Very easy for people to sign for way more car than they can afford.
Almost 60k in car debt...oooff...she is working way too hard for that.
It's not car debt. Car debt is when you owe a debt on a car. They didn't buy a car. They bought the depreciation on a car. At the end of the lease, they have to give the car back to the dealership (or buy the car).
“It’s a truck isn’t it?” 😂
Its always a truck
Before I started watching Dave Ramsey I never understood how people (who don’t seem that wealthy compared to me) are driving around in these expensive cars and trucks that I never felt I could afford. Now I get it!
Same 😂
Caller: “The sticker price was 65, but we got it knocked down to 52…”
Dave: “Not on a lease you didn’t!”
Dave is a savage 😂
So many people at my job get expensive cars because "they deserve it cuz they work so hard"
Meanwhile I'm driving a 14yr old explorer saying "I guess I'm not working hard enough" 😂
Yup. I've never owned a car not previously owned by a family member and I make multiple their income just myself
This. And people look at you like YOU are the stupid one. Makes me laugh every time.
@@myrellasamuels3513 The reality is people don't care. People only care about their own cars and pay attention only when they see a new shiny car they want AND MUST GET IT! I see them at my apartment who are aged 50 and brag they own a 60K new truck every year .... but still do not own a home and wonder why
@@timothygibney159 do they not care or do they not know any better?
I daily a rusty Ford Escape I bought off a co-worker for $700. I’ve put $1500 into it over two years. It works for me because I do the work myself. Runs good and hasn’t left me on the roadside so far.
I haven’t laughed this hard in a while. “Tell tug boat boy his cars gone” 😂
Now the only question is, how mad will he get at her? That's a huge stressor in a relationship sometimes,
@@kbanghart kind of like buying a car you can't afford and leaving your wife to pay for it
That line had me 🤣
came for the title and stayed for dave actually saying it
HAHA
I love that the tag said “What should I study in college?” But the whole conversation was about cars
I think they vet the callers beforehand as to their name, location, and what theyre calling about so thats what they put in the tag. But she didnt realize the cars were her big problem
Car payment is INSANITY!
"You're not gonna like this..."
Dave: *Heavy breathing*
I love that he treats her like his daughter ❤️
Love when dave helps the young people like this with free help.
stories like this make me a genius
Me too
1) no car payment since 1987.
2) 3 kids all with fuly paid college degrees.
How did we do that?
See #1
Just because you had no car payment, doesn't mean you didn't have to come up with the money to pay for a car. A car is still an expense, whether you pay as you go, or you take from savings. Having said that, just for my own peace of mind, I always save up to purchase in cash as well.
@@steve8803 Yes that is correct. During that time we bought several cars for ourselves and our children. All paid with cash. As others were paying car payments we were paying college tuition payments. That's all I'm saying.
Wow, he earns $40,515 and buys a $65k truck. I pray hubby accepts reality and sells the truck.
How is his truck over miles when he is gone on a boat 21 days at a time? Who is driving his truck lady!?!
his girlfriend
Her boyfriend is driving it.
Maybe he drove it from MAINE to LOUISIANA ?
They probably got a super low mileage lease to try to save money, like 8k/yr
@@sunset6010 That's a one time 1,700 mile trip. Leases are for at minimum for 30,000 miles on a truck over 36 months. So even if you consider that single 1,700 mile trip, how does that not make up for the fact that it's literally in the driveway for 21 days a month? Considering that she thinks that she owes like $20,000 more than it's worth, then where are the other 60,000 miles in 2 years coming from?
So glad my car is paid off. Sheesh.
Both mine too
I’m confused. He leased the truck and has had it for 2 years. Why not just let the lease expire and pay the mileage and buy a junker. Why go through the hassle of the buy out and selling and then getting a loan?
Never had a vehicle payment in my life....never will!
Me either
Same
Everyone is commenting on the truck, but she owes $19 on her car, that's crazy also. I just can't fathom how people do this to themselves.
my wife and i dont understand this, we have a combined income of 250k and drive a 2007 town and country that we purchased for $1200 cash it seems the harder folks have it, the more they put themselves into debt slavery
Way to go, smart couple
Was hella thrown off when she said he's on a tugboat 😂 sometimes I forget how big the US is
🤣🤣🤣🤣
If he's only home about 10 days out of the month, then why is the truck over miles!?🤔
i was wondering myself. but the tugboat may be a new job so he ran up the miles before?
They just moved to Louisiana from Maine. Maybe when he was in Main he had a different job that he drove to everyday? 🤔
When someone you've never met cares more about you than family friends.
Maybe she has a boyfriend who drives the truck?
“Don’t text him!” Haha I love Chris Hogan 😄
She can drive him to the boat dock.
Does he drive it to the dock and let someone else use it while he's gone? To put on the miles, he must spend all his off time driving the truck. And if you have 2 vehicles, why would you let the leased one go over the miles?
Poor gal is too busy to know what is going on.
Yeah she's too busy with another man while her husband is gone. Probably some good looking hungry guys working with her in the reserves and that tire shop
The caller is only 23. I agree with what you are saying but the caller is only 23. She'll live and learn. Better she have this experience now than at 33 or 43.
@ihategooglespooks or he could dump her, they're still young lol
@@commandershepard9601 I doubt it, she is the one calling in asking for help and working at a tire store. The type of girl you’re describing would never work at a tire store. She would have an Only Fans page and never called Dave in the first place. The better question, where is Tug boy going with all those miles with just 9 days off a month?
@@onebridge7231 how do you know hes the one driving it? Maybe her side piece is? Or her friends? Fair.
I love that most of the time, Dave can guess what it is they bought, their age, how long theyve been married and everything- its classic
Should have settled with a nice used Honda or Toyota.
Civic or Corolla. Not Tundra or Highlander or Pilot.
@@TheLivedeath Dream cars both that I do not have - Civic / Corolla :)
Same exact thing I tell people all the time. Civic, Corolla. I have yet to see one to take the advice.
@@virtuosowins I owned a 91 civic. True it had over 100K when I got it back in the day but it had so many problems that I won't buy one again
@Adam Pagenkopf yeah 15 + years old and 200,000 miles
This poor couple! The way she quietly agreed to tell her husband that his truck has got to go was so funny to me. “.....yes sir....” I hope they can get rid of the cars so she can stop working herself to death!
Drop them like it's hot!
Dave is so good and experienced that soon people will be able to just call in and give their name and household income and he will know their problems without them having to explain them!
Dave preaching to his college friend:
"You're dumber than a rock girl.." love his enuciation..🤣
This is horrendous. Love my paid-for vehicles.
I was looking at a car when I was around 20, it was a Chevy Cruze, current year of the time. They wanted 480 a month and tried so hard to bully me into getting it that day, but I was Adamant that I was going to shop around for insurance before I signed anything and I was glad I did, because the cheapest price I found for full coverage insurance was 420 a month. That would have been 900 a month when I was only making 11 an hour. The thing I’ll never forget was the guy telling me that we were friends and he wouldn’t try to back me into anything I couldn’t actually afford.
420 a month for a compact car??? Interest must of been like %20
jeez ... glad I'm looking at used honda and toyota
Wait, they wanted to charge you double the cost of insurance that I paid for a Mustang GT, when I was 23, for a Cruz? How bad was your driving record? Also, $480/month? Was that a short term loan, bad credit, or a short lease?
Edit: thinking back, I can't remember if my insurance was $70 twice a month or $110 twice a month back then. So it may have actually been 3x the insurance I was paying on a mustang gt for full coverage.
@@FireMrshlBill I had a bad record before but they kept telling me it was all clear, but couldn’t or wouldn’t tell me why it would be so expensive.
"Tell tug boat boy his car is gone" LMAO Dave is a savage
Choose your spouse wisely....
David: “At some point you have to do business in a way is a blessing for people”.
They could actually take the truck into a dealership and tell them they’re selling it and ask if they want to make an offer.
I did this on a 2019 Toyota Tacoma (yes it’s always a truck) that I was leasing after comparing offers online from different dealerships. My highest offer was $72 more than my lease buyout amount. When I took it in, the guy inspected it, said we had a deal, and asked if the truck is financed. I told him it was a lease, and he didn’t even bat an eye.
Dealerships, unlike regular people, are able to directly pay the lenders and get the pink slip.
I was lucky enough that my Tacoma pretty much maintained its value and with the pandemic, used vehicles are in high demand.
A very kind person at Toyota Financial told me about this option when I inquired about buying my lease out.
Hopefully this helps someone!
Tug Boat Boy 😂
People love to spend all their money on vehicles in this country.
Especially money they don't have.
@@av8tor261 To impress people they don't like.
@@henkbarnard1553 That are in car debt also...its really stupid.
It’s unreal. I just sat down and showed our daughter how much the interest would be to finance an expensive car for 60 months. She was stunned when she saw how much was wasted on interest.
@@BusArch42 It's really not that much money in interest as long as you're not talking 10-20%+ A couple 3-5k dollars really isn't going to make a big difference in your life. Now, the lost potential of what your money could have been over that 3-8 year car loan when properly invested is the big thing. Costco for example has averaged around 80-120% every 5 years in growth in stock price since the 80's and has never failed to do so. If you had 50k in cash and put it into Coscto stock in 5 years you'd have 100k dollars and could buy your car cash and then still have the other 50k dollars. And if you put your car payments in there for 5 years your 50k could be like 65-75k dollars, way more than what interest is gonna take from you.
I wish I could somehow transfer the knowledge I have now at 37 to all the 23 year olds doing this. When I was in my 20s making dogshit 50k I had used cars in the 12k range with loans and my student loans were 200/mo and even with just that 500 or so a month in payments I was losing sleep at night. You can’t make someone understand the anxiety and loss of sleep until they feel the pain themselves....and even then a lot of people carry on day to day trying to deny their weak position in life
My fiancé and I drive paid for 2018 and 2019 Civics. With cash flow of 15k a month. We “sometimes” chat about buying the Porsche Cayman and the E class Benz with our income. That conversation is always short. 😂
You should be afraid to call Dave with credit and car debt
“You’re gonna be mad at this part too”
🤣🤣🤣
Good advice from Dave. I hope this was a life changing phone call for this lady.
Sell those cars! Buy used rather than new because as soon as you take it off the lot you lose money!
Whats with people buying expensive suv/trucks these days
It’s a stupid macho thing.
Obama era fuel regulations got rolled back. Gas is cheap rn. Vehicle safety ratings are only for those people in the car. "I just like to sit up higher".
It's unfortunate to see people driving a financed truck 30 mins a day to their office job.
They're a status symbol to most people just like having the newest iphone or a certain brand of clothing.
Every time I see some newer pickup truck out on the road, I think about what sticker price must have been. $50, 000 . . . $65,000 . . . $70,000 . . . Yeah, they DO look nice, but man! Then I shudder to think what the monthly payment might be! Scary.
@@lovethemflowers dont forget if they dont pay it monthly and went passed 90 days repo men will steal their trucks/suv back
Every time I think of buying something stupid I just listen to papa Dave. Free therapy lol
Thank You Dave Ramsey for your teaching!!! I have been in the same hole as her!!!
Dave. Your a man of great integrity.
Your life is owned by these vehicles.
Love this show
Props Dave offering services to them for free.
It's not like his life would be different if they payed for it
I know, dave is a tightwad too
God bless you Dave, you are the kind of father, guide and mentor I wish I had, but we got to run with whatever we got hoping to make it someday❤
3:21 Dave’s little laugh YES!
First mistake moving to Louisiana, it’s mega expensive to live there and if your working on a tug boat how do you even qualify for financing for $60,000 in car debt
My son got himself upside down similar to this. Paid the piper and learned his lesson. Gotta experience the pain.
Why can't some of these people just answer a simple question like "how much does your husband make?" lol. He didn't ask if he worked on a tugboat and how many days he was on and off. Just say what he makes, jeez. You know when they answer simple questions like that, there will be some stupid coming our way.
"that's dumber than a rock girl" 😂😂😂
I'm glad I found Dave Ramsey to yell at me. Now when I want to purchase something on credit, I hear Dave's voice yelling "THAT'S STUPID!"
THANK GOD FOR DAVE'S KINDNESS.
Lol that title 😂😂😂😂
Those "friends" that sold you a truck you can't afford are not friends.
I was thinking he was harsh the whole time and then ends up helping her out. Lol nice, Dave. Definitely wrong how the dealership did her though.
came for the title and stayed for dave actually saying it
What's dummer than a box of rocks is when I was at IKEA and saw an add that said "0% interest for 24 months, after the purchase 21.99% interest PAY AS LOW AS $600 A MONTH!! (In big flashy lettering) I looked at it and thought "wow u must think I'm stupid" XD hahahaha
I’d buy a truck like that but I’d keep it for 10-15 years and put 300,000 miles on it to make it worth it
TUG BOAT BOY...🤣🤣🤣🤣🤣
He can work the 14 days he's off the Tug👍🏻
Tug boat boy 🤣🤣🤣
I got a truck, paid 15k for my truck out of pocket after saving for a while. As long as you're responsible it doesn't matter what kind of vehicles drive
Lol I watch most of Dave’s videos and I can say I’m learning a lot of others mistakes 🙏
Sell the cars 🚗 🤣🤣🤣 called it
I remember how important a car was to me when I was 20 and broke. Now I can afford a new vehicle I drive a 12 year old Explorer and fix it myself.
I went to college in Hammond, cheapest place to live. I graduated debt free🤗. Rent was like $500 for a two bedroom apartment. Tuition $4000 a semester for a top nursing program. Sweet deal!
WHAT?!?!?!
“The reason you dont have a life is because you gave it to the dealership...”
I hope they learn from this mistake as i did.
Good luck finding a private buyer for a $50K used truck.