My Wife Wants To Go Into Debt For a MLM!
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- Опубликовано: 7 сен 2024
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As a female I am embarrassed for other females falling for these idiotic ‘companies.’ Also, I wish the Ramsey Show would take a stand officially against MLMs and expose them for the BS they really are.
David can’t because he has a couple of friends involved in the scam business. MLMs should just be made illegal. They are pure trash.
@KG, there are a few that are OK, but never hear about them.
@@alinatamashevich3354 For example?
MLM stands for Making Lives Miserable
😂
I loss $400 in 1 & $30 in another 1, never again. When I told the lady about non of my friends wanting to join, she told me get rid of them they are not true friends 😂
$10,000? For a course on how to make money and be successful?
And here all along, I thought it was just common sense, good morals, and hard work.
Or a $10 self help book (or free at the library)
Yes hahHhaah😊
I would appreciate it if the Ramsey team would come out against MLMs. Similar to how he's against timeshares. This business model is wrecking people's lives.
He's obviously got some friends or business partners doing Amway or something. He's been tying himself into knots trying to distinguish between "good MLM opportunities" and "bad MLMs" for as long as he's been doing his show, and all he does is undermine his credibility.
Yeah he really dances around the topic whenever they're brought up. They're all predatory and there's way better job opportunities in the world, especially ones that don't make you pay to join lol
They’re not against MLMs. They’ve said this repeatedly
The problem with MLMs is that people sign up thinking they're going to make their living by selling the product, when actually, you make the money by recruiting and training other salespeople in your downline. It's a totally different skillset.
@@ASimoneau That's also what makes it a pyramid scheme. You're recruiting salespeople below you, who then recruit other salespeople below them, who then recruit other salespeople people below them, and so on.
Why? Cause the commissions are earned as a percentage of both your immediate downline, and a percentage of each downline below that. So the goal ends up being to build a big downline to maximize commission.
As for sales, very little retail and the sales likely 1) sales to maintain rank and/or 2) to load up on "garage certified" inventory cause that's what your upline wanted.
Had a family friend do this, I filed their taxes in 2022. They claimed a combined loss of 130k ( 2 partners) and have lost their life savings at 40s. Thanks herbal life, yeah I called them out because I am pissed for them.
I know someone who makes 100k + doing this but that’s ONLY because she knew the owner!
@@Uhhlaneuh it pays to be in the group on the top of the pyramid scheme...
@@Uhhlaneuh Your friend is scamming people.
@@Uhhlaneuh that’s because she is one of the first to joined and Recluted. These people make money out of the disgrace of others.
@@marjoriebaut7981 no, I’m saying because of her connection to the ceo.
Tell her to get a real job first and if she wants to do this on the side as a hobby then let her. She will soon realize the real job actually brings in the money.
AGREED!! Best solution. Shy of divorce. It is very easy for the none “working” (income earning) spouse to sabotage the efforts of the “income earning” spouse. Investment into this business must be from income she earns.
I had a neighbor do that with his wife in the 90s. She got a job then became involved with this overpriced açaí juice in a pretty wine bottle that was some type of miracle drink.
Realized it was too much effort and all of the money from her job was going to this pyramid scheme instead of making and saving money.
She also noticed people were beginning to avoid her over this.
My wife's scattered friend was explaining a MLM she was getting involved with. I told her it sounded like a pyramid scheme. She said; "Oh no, t's not a pyramid, it's an upside-down triangle". She was dead serious.
😂😅🤣
Your wife's friend failed high school geometry, didn't she? 😆
this is incredible 🤣🤣🤣
Good grief 😂
my mother in law says the same thing...has always been doing mlms and never realizes she loses money 😢
What this woman wants to do is one of the worst things I have heard on this channel (and I've heard some doozies). My wife also wanted to get into an MLM (Mary Kay) when we were first married and had no money. I told her, politely, that the only way I would agree to it was if she ran the "business" with its own profits - in other words, she had to keep it separate from our regular budget and my paycheck (she was still in college). She agreed, did some stuff on the side, never really made much of anything, and eventually gave it up.
If they have no kids, I would advise him to immediately divorce her.
Yep. Sad thing is she could still use Alimony to suck his life’s earnings
Sadly, they do have two kids. Twin 17yr old sons that are college bound next year. Its a horrific situation even without the mlm crap.
George Kamel is the ONLY Ramsey personality who is honest about how scammy MLMs are. I respect him for that. MLMs are WORSE than using a credit card and paying it off at the end of the month.
"MLMs are WORSE (...) of the month."
Of course they are... what could possibly be bad about the latter?
Faxx
Divorce would be a smarter investment
I really think ypu should consider leaving her otherwise you will be a pauper
So true! lol
This kind of behavior shows such incredibly bad judgement I can't say I disagree.
I had a similiar spouse. The divorce cost me (and her ) 200 grand. We are upper middle class so not really rich. Anyway, i feel free and i really think i am in a better financial position. Our son committed suicide. So her idiocy cost us him ,too. But life moves on. Enjoy your conference. It will cost you everything.
Divorce is way cheaper too. 😂
I was a “ride or die” for Dave before. But Dave’s silence about MLMs makes it look like he might be benefiting by being connected to some high up people who are in them. This is at least the second time we’ve seen Dave defend “some MLMs” instead of calling them out bluntly, like he does with credit cards, timeshares, and other systems that take advantage of people. How disappointing! What other lies has he made?!
He has a friend that owns a MLM, I forgot the name. - At least he mentioned that _some_ are like a cult. They are: they brainwash the associates to spend money. you are only one training away from making it. I disagree, the wife might not be motivated by greed. Just that she _can_ make it, be successful, have sales and a team and a nice car to show for. MLM's are very good in convincing their associates that it is _their_ fault, if they are not succeeding. They are too lazy, not disciplined enough, if only they would follow the recipe (which of course includes expensive courses and buying up and stocking whatever crap they sell. So they will meet monthly targets.
If I had a wife who told me it was her way or the highway......I'd choose the highway.
U Haul is your friend.
If you want to lose every friend you ever had, become an Amway dealer. People will do anything to get away from you if you sell Amway. Their products don't work near as well as Dawn, Tide, or Mr. Clean.
I agree! Went with another couple a zillion years ago. Everything so expensive and doesn't work. The couple filed for bankruptcy once for sure.
I am sickened by all those chemicals and scents. Fortunately Trader Joe’s sells dish liquid with a mild scent that’s from natural ingredients, All makes a Free & Clear detergent, and Clorox now makes a Free & Clear multi-surface spray which is an EPA Safer Choice product.
@@josephinegrech8438 I have found that people who sell Amway have never mopped a floor, washed any dishes, or know how to turn on a washing machine. If you did any of those things, you would know that Amway doesn't work. I don't think Dave has ever done any of those things either.
😂
$10,000 for a weeks of MLM training?!?!! for $10,000 you could graduate with a Degree! My GAWD! that at least guarantees a job!
its 2023, unless you are in medical/engineering an undergrad degree does not by any means guarantee a job anymore
@@defaultname7685it’s 2023 you don’t need a degree to get a job
I am quite surprised Dave doesn’t come down harder on MLMs. A much higher percentage of people lose money in MLMs than the percentage of people who lose money using credit cards! Many pay their balances in full every month and treat them as debit cards. Not advocating for credit cards but Dave should scream about MLMs like timeshares.
"Many pay their (...) as debit cards."
Better than debit cards... there are interest and rewards as well!
I mean if shes gonna just wipe your savings out just divorce her… it’s essentially the same thing
"My way or the highway"
- Highway, highway. Definitely the highway. Both literally and figuratively.
Never amway
MLMs are like a cult and what she’s doing is like gambling, she keeps losing but keeps trying cause maybe she’ll “win.”
We should be calling "MLM" what it really is, which is a Pyramid Scheme...
MLM is like a slot machine in Vegas. Put in another coin, pull the handle, and see if this is your day. The question I liked to ask promoters was: "What's in this for the last person who joins?"
I would be willing to bet that MLM works for those who actually have sales skills. I believe that the MLM marketing tries to make a person believe they have sales skill w/o ever having tested that out before in their lives. If someone I knew wanted to go into MLM, I would advise them to buy a little of some other type of product and sell that product first before they consider MLM because the skill should be there before you make a huge financial commitment. If they say "What about college? Don't people make a huge financial commitment with education?" Okay, you got a point there but the smart move with education is to pay for education debt free because you don't know the future.
@JungoJerry, ask if the whole idea is to recruit new people.
My ex joined 5 MLMs, turned half of the house into a warehouse for useless crap she couldn't resell, that she bought to go up levels in the MLM.
Arguments about the waste were endless.
I guess that's a good reason why she's an ex now...that's just ridiculous. MLMs are not great.
Now you have a great first date question! 😂
@@dr.aasiyahghazi9168it is sad but they brainwash people
I WAIT FOR THE DAY when Dave comes out and exposes MLMs for the scam they really are 😂
I remember I went to an event years ago and an MLM tried to recruit me but something about them made me decline. Always trust your intuition. If something doesn’t feel right in your spirit don’t do it.
some people have bad intuitions... based on things like greed...
I was in a restaurant once and overheard a couple of middle aged scumbags trying to entice the server to get involved in some MLM. They really wanted that $349 from her and would say anything. I ended up making sure I warned her off before I left.
@@grayandgray you have a reward in heaven.. God Bless You for warning them!
Oh Dave. Mlms do wayyy worse than that! They tell women anyone who doesn't agree with them needs to go. They have told women to divorce over their husband's not wanting them to get into the mlm !
If someone wants to be part of a MLM, that really tells you a lot about how gullible they are. You really should rethink your relationship. It would have been better if she said she wanted an open relationship. At least she would get something out of it.
You can't even vet for this while dating, one day your wife wakes up and decides to ruin the family finances what else can you do but divorce and you're still screwed.
Social Media is absolutely wrecking people’s abilities to be a good spouse. The amount of Monat/BeachBody etc women that are now divorced after attempting the influencer life is wild. Same with people who get TikTok famous; the divorce rate is staggering. She wants MLM life to be an MLM influencer. They need counseling & hopefully he has some great people in his life to speak into this mess. Wow
So true every woman want to be a social media influencer & not a wife or mother
Women have made it loud and clear they want nothing to do with actually being what they were made to be: wives and mothers.
@@roolyfe Yes, "every woman" because you know every single one on earth. And many men don't attempt the same. 🙄
What a comment. SMH
@@roolyfe Every woman is a generalization, but I know what you’re saying. It really is A L O T.
@@nadiar.7788 Women like this make it so hard to have a discussion about anything because they obsess about the less than 1% outliers and refuse to acknowledge what everyone knows to be the case 99% of the time
MLM...."Most Lose Money".
When a spouse gives ultimates you got more problems than money.If my wife gave me an ultimatum i would show her the door.
She’s clearly imagined a life without him and is perfectly fine with it
This only in the instance of abuse or addiction should an ultimatum be given. In this case, joining an MLM is like getting addicted to a drug, if anyone is going to give an ultimatum, it should be him.
I do feel for these women. These MLM's project the vision of being a girlboss etc. to stay-at-home moms that havent worked in a while.. to prey on their sense of wanting to build something for themselves and then pinch every penny out of them is just evil..
Boss babe , chasing a dream, or a nightmare.
They definitely target under employed women like military wives too, it’s very predatory
Sounds like feminism in a nutshell 😂
Zero profit is a huge red flag. My brother sold tools to garages for 5 years and was only making 20k so he quit
Mr Ramsay and team a huge Thank you from myself here in England , I found your channel I cried, in a good way .'Thank you Lord '
These are women who give women a bad name. No profit from MLMs over 4 years. Let’s go into debt to invest 10K that we don’t have for people to tell us how to better scam people out of their money.
It amazes and saddens me how people can be so easily manipulated. The cult world of MLM found an easy target here. Someone who would rather give her blind faith to strangers than think for herself and for the betterment of her marriage/ family.
Society is in a sad state. Full of broken moral compasses and selfish priorities.
"MLMs are designed to make sure that the sales representative's expenses exceed commissions" - It's by definition a scam. Why isn't Dave so against this? I'm lost for words.
Because some people who work it can make a living. Most don't , it takes crazy hours and work.
This is awful. Those trainings are absolutely NOT worth it...she is CRAZY to do this to her finances!
She is "my way or the highway" versus his view of "us" 🤔. It is beyond marriage counselor, she will leave this guy depressed (if he is not already), homeless and a destitute. Run man, run while you still can.
She's been brainwashed and indoctrinated already. She'll leave him before giving up her MLM. She is in a cult.
If Mary Kay was a real company, they'd just put their stuff in a store, make billions. The cosmetics industry is insanely profitable.
I had a friend who was involved with Amway. He would always go on and on about having a "meeting with some people", but would never use the name "Amway". When you won't say the name of the company you are working for, it should be your first clue you are on the wrong path.
Did your friend ever mop a floor? Clean a toilet? Do a load of laundry? If he did, he would not have promoted Amway.
Anything over 4-500 start up isn't MLM, it's a scam... If you gotta spend more than that start your own business
She already drank the Kool Aid. I think she's too far gone.
Yup, joining a MLM is no different than joining a cult. He needs to cut his losses and run.
After watching this video, I’m kinda glad to be single… I just need to find a wife who can be good with money to
I’ve never heard a Mary Kay sales director say buy inventory on a credit card without your husband knowing…let alone saying it from a stage!
I never heard that either, thank goodness. But Dave said it was like 15 years ago and I've only been in it for 6 years. I bet I could ask around and see if anyone who has been in the company longer than that remembers anything about this. But yeah I never heard that and I do not have any connection to any leaders in Mary Kay who would recommend that.
Our seminars with hotels and flights aren't even CLOSE to being $10,000, either. They put on a HUGE show for all of us and provide us with high-quality training and it's only a little over $200 for entry for 4 days. Hotel flights etc are all extra of course but you get a cheap flight, you split your hotel room, you can go to Mary Kay Seminar on a budget, probably like $1,000-1,500. I could not imagine going $10,000 into debt for training. Weekly meetings with directors are free to $5 a week. Calls with your director are free. Training videos are free. The local career conferences are $100 for a weekend plus one night in a hotel (that again you can split with people). There is no excuse for charging $10,000 for that stuff.
exactly what happened to my brother in law with his ex wife.she was buying Tupperware and storing it away!just so she could have sales!He ended up with the credit card bills i guess when they divorced.People are insane
When it comes to my way or the Highway, I picked I-90, I-82, I-84, I-15, UT-20, US-89 & 89A, and I-17 lol.
I hate MLMs. They’re like cults, and the money they earn is based on selling dreams and recruiting more people. All smoke and mirrors
A man in such a situation might say: "Gee honey, that's a financially stupid idea, and I think you need to stop "networking" with other bored stay-at home-moms, and go out and get a _real_ job."
MLM the first people who start them make all the money the rest don’t. 30 years ago my best friend sold thousands of dollars of ANWAY and made no money from it. Totally ripped him off😮
Avoid MLM's at all cost
Leave her. PERIOD.
OMG he found a way to still make it the guy's fault! Seriously!?
Dr Baloney is a scumbag man hater, dude never holds women accountable. Guys is the biggest joke on the show.
Run for the hills yesterday, file for divorce if necessary.
They should tell their partner that they can go back to school to itch whatever deep rooted issue is making them vulnerable to MLM
My sister tried this got stuck eith a 4000$ vacuum cleaner and all she had to do was sell 10 of them in a certain time frame think she sold 5 plus hers she had to buy when the time frame was up
Run bro
Surprised the co host didn’t mention she’s seeing another man. Like every time a woman calls in complaining about her husband’s spending.
I just feel bad for this couple, what a challenging situation to be in. I'm thinking there must be a social aspect to it too, maybe she wants to go with some of the folks she knows in the MLM and all that. How immensely unfortunate though. Good luck to them, I hope these two can figure it out.
Haven’t watched the video yet, but I questioned what a MLM is and my girlfriend thinks it stands for Mini Lawn Mower. So we’ll see.
Marry a smart woman. College educated. No debt. My wife is absolutely killin it with her career and no debt. We work as a team, but my life improved dramatically after marriage. I was do inggreat before her, and now am at a point financially I could never imagine for myself. Went from great to unbelievable!
I’ve joined several MLMs over the years. Mainly for the discounts on products I wanted anyway. The only one I made decent money on was Tastefully Simple. And I actually made a LOT of money without any down line. However, I think these days the culture of the MLMs is really toxic.
😂😂😂….Dave let her have it today!! ❤
I wish Dave would stop tip toeing around MLMs. They are destructive and dysfunctional.
100% agree!
Tell her to make 10K as an "influencer"!
Had a college acquaintance that got into some MLM garbage. He invited me over for a "bbq with a free informative presentation that will change your life". I went to humor him and out of curiosity. I knew it was a bad deal, I just wanted to hear the spiel. And what a pile of garbage. No hard figures, no details on how the program worked, nothing you could analyze anyway. But plenty of "picture yourself a year from now, living the dream, vacation home, etc., or stuck in your dead end job if you don't act now" BS. It was well crafted to draw in the suckers, I'll give them that. My buddy lost a few thousand before he wised up. But to his credit he did wise up and stopped throwing good money after bad.
Any MLM should NEVER ask you to invest thousands! That is one you run from and find something else!
MLMs are BAD. The sellers are the clients. People buy a shitload of crap they can’t resell.
tell wifie to save up and pay for it
THE HIGHWAY!
It is bad when Dave sits speechless and it takes him over 30 seconds to get his thoughts and words together.
Start your own business!! You’ll make more profit than joining an MLM
Grow a spine and leave her!
It's kinda amazing to see DR and the time explicitly criticizing MLMs.
DR's circles likely intersect with that of folks in MLMs, and he's given the most half-hearted of criticisms in the past.
Edit: I spoke way too soon. I guess its a stretch to say they'll ever call out MLMs for the pyramid schemes they are/end up being.
MLN's and pyramid schemes are two different things. You did speak too soon.
@@pep590the only difference between an mlm and a pyramid scheme is plausible deniability.
MLMs can at least say they have a product/service to sell... but rarely do people doing MLMs actually sell that product outside their upline/downline.
The name of the game in MLM is to continually build/replenish your downline (convert any customers to "team members")... hence, they're pyramid schemes.
Cult like mentality….😅 DAVE THATS AMWAY!!!! Youre so good at debt yet wont denounce mlms on the whole. Mind boggling.
As someone who was sucked into it for years, you're 1000% right.
@@PickFreedomKCP ugh. Sorry it happened but happy for you now. Were you stalked at a store or did a friend get you in? Were you stuck at hours long pitches?! So many questions! There are 2 really good podcasts that cover mlms but also amyway, sounds like mlm but ok and the dream. Horror stories ive heard and read! Have you seen - on becoming a god in central florida? Check that series out!
I believe that if you want to do anything, START SMALL!!! Here is the thing about MLM (other than the recruiting aspect); they make the person assume they have sales skills. Do a trial run of selling something where you didn't buy that much product! The absolute worst way to start any business is with huge capital investments and debt. Assume the worst and start small. That way you FAIL SMALL!!!
I hate MLM lol. Dave won’t go against it bc he’s out here getting his speaker fees. 😬
There is a deeper issue in their marriage that’s not just the MLM… the my way or the highway is coming from other marriage issues… so the advice of a marriage counselor is a good one… healthy marriages don’t have this mindset
I've never heard the tern MLM but after a given time period with nothing to show for it I'd bail out.
“It’s my way or the highway.” Yep, that attitude will get you far in marriage. All the way to the divorce lawyer’s office, probably.
Seems like she’s planned for it already. She can still use child support $$$, and alimony to suck him dry.
I feel bad for that dude, because if I were in his spot, I would file for divorce if she's going to ruin our family and finances to take a pyramid scam course.
I do not agree with divorcing over this.
People are ridiculous. If you say that because in the course of marriage this is nothing.
You, never get married, you love money way to much.
A colleague at work committed suicide after his wife put them in bankruptcy 3 times. At age 70. Having worked a BlueCollar career his entire adult life with nothing to show for it. He blew his brains out. @@advancedchiropractic667
Wow how sad
I'd be out. They clearly have no money if they can only come up with $3k for this "investment"....and they're likely broke because of the wife's decisions making and 4 years of work for $0. If a partner says my way or the highway on something like this, i'm taking the highway every time. I work way too hard for a stupid wife to keep me broke.
Im into 17 secs of the video. My advice. DIVORCE HER 😂 the end!
What's the worst financial decision I can think of? This one, right here. Surely the fastest way to bankruptcy and divorce possible.
Even min wage is multiples of what you're likely to make with most if not al MLMs. Cutco knives-a week of trg. I made nothing. Stores Online, 6 mos. of work for naught.
After my wife joined Mary Kay, I'm convinced that the majority of their money is made selling their "starter kits" to new Mary Kay ladies. $200 to start and after 6 months of watching her manager reap the benefits, my wife threw in the towel...
I find Ramsey and his crew and audience amusing, but I would never pay $10k for a "Platinum Seat" to spend (waste?) a weekend with them.
MLMs are a scam. Dave should decry them as fiercely as he decries credit cards, timeshares, and banks.
I love living in Utah. Unfortunately, these predatory companies have entrenched themselves in this state. They’re a real blight here, and I would love to see them go the way of the dinosaurs.
MLM is a fancy way to say Pyramid scheme.
MLM sure sounds good but like most straight commission sales jobs fewer than 10% ever make it work.
If she has already failed, she is part of the 90% of those who do not make it.
Cult like. "if you're not in it, you're stupid ." Lol this is the Dave Ramsey crowd.
All Gratitude To God Almighty for His men Like Dave
Gotta loved that joint bank account
I keep getting e mail from MLM.. "We are unable to process your membership. Please update your payment method"
NEVER!
Get in debt and be somebody!!!👍👍
MLM = Multi Level Marketing. I had to ask an AI bot, and then I read the description lol
If the person who sent this in is who I think it is, the husband is in the right. The wife is an abuser, very controlling, and the husband has repeatedly filed for divorce but her friends/family kept guilting him into going back by using the fact she can't (won't) support herself. He's not allowed to leave the house except for work or taking their kids to water polo training/games. The marriage is dead, but she refuses to let it go.
EDIT: It was who I thought it was. The wife is presently trying to suck up to the husband today. And just more info - they have been going to various marriage counsellors for a decade, so advising them to go to a marriage counsellor is funny. Their sons are also 17yrs old and going to college next year, and there is no/minimal college fund. The wife has admitted to being a narcissist and frequently cheated on her husband.
So sad that anyone would take this kind of abuse. Marry the wrong person and they will make your life hell. The top characteristics you want in a spouse are humility and emotional stability.
How very sad! What happened that he would let her control, abuse him? HE needs intensive therapy.
I think most people didn't hear when he said after 4 years she's made nothing from it😂😂
MLMs are predatory. All Dave has to do is look at the earning distribution for any of them. He may as well speak of "good" payday lenders. Except some of his friends are rich MLM predators...
My ex wanted me to join Lularoe when it was almost at its peak. I smelled the pyramid scheme from hundreds of miles away. He was in total denial that he had his friend try to convince me to join only for her to quit 8 months later admitting it was a pyramid scheme.
I agree with a lot of Dave's advice, but he just pointed out one of my biggest issues with him. He very specifically said he has knowingly never taken the money from a broke person to attend his conference. He chooses to be oblivious to the fact that he is selling things to a target audience that is broke, and grasping at their last straw for a reprieve. Be it $10 for a book, or $10,000 for a conference. He chooses to believe, because no one ever told him otherwise, that his money is not made off the backs of people who are desperate and broke.