$430,000 Worth Of Screwed! You Are Seriously Broke!

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  • Опубликовано: 18 сен 2024
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Комментарии • 851

  • @georgeseymour7116
    @georgeseymour7116 2 года назад +635

    Love how being called doctor is so important to him. 70k a year? Less than a plumber.

    • @donaldlyons17
      @donaldlyons17 2 года назад +23

      Who do you think will have the best chance of working till they die? Jobs like doctor and etc. can work longer if they want to on average. My dad has a PHD and he just retired at 70!!!! There are trades people who retire that age but he could work more and many of his friends are still working longer!!!

    • @Buttlather
      @Buttlather 2 года назад +49

      More than most plummers.... why does everyone on this channel think that plummers make so much money? The median salary is 56k.

    • @mattrandall1808
      @mattrandall1808 2 года назад +29

      Because they are just starting out. They will be pulling big money in time.

    • @hungryowl1559
      @hungryowl1559 2 года назад

      @@donaldlyons17 working till you die is no accomplishment. Anyone can do that

    • @zachwalters8001
      @zachwalters8001 2 года назад +8

      What is the median salary of a plumber? According to BLS it’s 59k per year. Where did you get 70 was the median?

  • @cdellbrumley
    @cdellbrumley 2 года назад +147

    When the pilot comes over the speaker, asking if there is a doctor onboard, and you don’t stand up…quit calling yourself a Dr. 😂

    • @britneyog9537
      @britneyog9537 2 года назад +10

      I mean... I'm a nurse and my husband is a doctor. He wouldn't stand. So, ask for a nurse! 🤣🤷🏼‍♀️ He is a pathologist and couldn't do a darn thing. But, I assure you, he is a doctor. 😉

  • @mustangthings
    @mustangthings 2 года назад +119

    Their passions include driving to family member’s houses, reminding their family that they are doctors, running up huge debts, not prioritizing paying those debts, and making stupid phone calls to the Dave Ramsey show.

    • @chasecardiff7741
      @chasecardiff7741 2 года назад +3

      hahahahahahahahahahahahaha

    • @annarichter9037
      @annarichter9037 Год назад +4

      He is not driving, he’s flying….like a 5 hour drive is a killer. I regularly drive from Chicago to South Carolina and back, in a day. It makes more $ sense to fly - I like the convenience of having my car while I’m there. But a 5 hour drive is nothing. They have some growing up to do.

  • @DrewLeyMusic
    @DrewLeyMusic 2 года назад +444

    “We have a ton of debt but we also want to enjoy our life” - Dave just smiles

    • @desco7628
      @desco7628 2 года назад +1

      lol

    • @kbanghart
      @kbanghart 2 года назад +2

      Actually, nothing that the caller said about their counselor was bad, they just said enjoyment. Didn't say how much to spend on that enjoyment. Lol I think the color is assuming hey let's go and spend all of our free money on it, we don't know that's what they were told to do previously.
      And being doctors, yes they will have to get out and away from the job sometimes.

    • @theirmom4723
      @theirmom4723 2 года назад +3

      @Luis Netflix is no free

    • @sstrongman1667
      @sstrongman1667 2 года назад

      @@theirmom4723, its pretty dang close.

    • @kbanghart
      @kbanghart 2 года назад

      @@sstrongman1667 annual vehicle registration is free

  • @Nathan_1492
    @Nathan_1492 2 года назад +453

    I love when Dave calls people idiots, we need more honest advice like this.

    • @samuelrosas2147
      @samuelrosas2147 2 года назад +15

      Its not ok to insult young people when there calling for advice. How would he like it if someone called him or anyone be called an idiot. Its not ok.

    • @francoisdemers-telmosse2404
      @francoisdemers-telmosse2404 2 года назад +21

      Stupid people have to be told they are stupid. Gosh. Don't they realize that they barely have enough to cover basic life costs + interests on their loans? How can they think they will travel lol

    • @francoisdemers-telmosse2404
      @francoisdemers-telmosse2404 2 года назад +24

      @@samuelrosas2147 He is doing them a service. Someone has to do the dirty work at some point.

    • @newlevel3545
      @newlevel3545 2 года назад +8

      @@francoisdemers-telmosse2404 some gotta have the balls do tell em 😂😂

    • @elizabethmiracle9361
      @elizabethmiracle9361 2 года назад +15

      Oh geez. This is how our country ended up where we are!! “Don’t insult anyone! It’s wrong. It’s mean!” Thus we have a bunch of children men and women with no sense of responsibility or direction

  • @mannyjeanpierre4062
    @mannyjeanpierre4062 2 года назад +382

    Miss these calls. This is where old school Dave comes out and I love it

    • @adamseidel9780
      @adamseidel9780 2 года назад +5

      100%!

    • @Michelles_Daughter
      @Michelles_Daughter 2 года назад +2

      🔥💯

    • @NicNameIsNicki
      @NicNameIsNicki 2 года назад +3

      Same🤣🤭

    • @kbanghart
      @kbanghart 2 года назад +1

      Except he always goes bad when the subject of a marriage counselor comes up, like at the 3-minute mark, of course he insults the counselor when he has no idea of the specifics of their discussion. He seems to assume that whenever callers mention anything about work life balance, or taking time for fun they are advising to spend tons of money which he has no idea if that's true or not.

  • @genxx2724
    @genxx2724 2 года назад +370

    “I’m a doctor of physical therapy.” How embarrassing. Trying to make himself equal to his physician wife only makes the difference worse.

    • @godfathaofyo
      @godfathaofyo 2 года назад +34

      Master of the Custodial Arts

    • @golden-bear
      @golden-bear 2 года назад +7

      that was hilarious lol smh

    • @nmc1859
      @nmc1859 2 года назад +16

      Let's be nice ..I feel sorry for these individuals because they are placing their worth on the title rather than who they are. He has a lot more to offer than being a dr or a factory worker or anything else. I just feel sorry for these types bc they want to prove something and have been sold a bill of goods.

    • @golden-bear
      @golden-bear 2 года назад +6

      @nm c Feeling “sorry” and being nice to them is not going to help anyone besides maybe make you feel a lil better that you felt sorry for this person that you don’t even know. Tough love is true love…not that “emotional love” mess.

    • @dialac1
      @dialac1 2 года назад

      @@nmc1859 true

  • @ReddingRed
    @ReddingRed 2 года назад +403

    In the real world, a Doctor of Physical Therapy is NOT a physician. He uses the term to enhance his stature but he is really just a PT with more schooling. In 2020, they mandated that PTs hold a Doctorate, but it is more akin to a Master's degree than anything close to an MD. His earning potential will probably top out at $150K after years of experience.
    This couple will always be broke because he likes titles and with titles comes appearances and lifestyles.

    • @annat6249
      @annat6249 2 года назад +5

      @@wordsalad01 “She will be making $61k and I will be making $70k. $125k/year is the household income”. His wife is worse than he is…

    • @aimeehammon4821
      @aimeehammon4821 2 года назад +36

      His wife is in residency. That’s just residency pay. If she is an actual doctor, she will be making over $200K after residency.

    • @scullyfox4271
      @scullyfox4271 2 года назад +7

      That's a shame pt's need a doctorate. It will only makebseeing one more expensive.

    • @zekewatson6489
      @zekewatson6489 2 года назад +18

      PTs top out closer 80k in most practice areas. I’m an OT and it is definitely not worth the amount of time, education and student loans to be a therapist. My wife has way less education than me and has already surpassed me in salary and has future promotions/ raises coming.

    • @DeepDeepSpace
      @DeepDeepSpace 2 года назад +18

      He didn't say he was a physician. He said he was a doctor which he is. Anyone who has a doctorate degree is a doctor.

  • @pawelwisniewski6849
    @pawelwisniewski6849 2 года назад +137

    I’m a contractor -“house doctor“ I guess 😂
    Need to change my business card

    • @genxx2724
      @genxx2724 2 года назад +11

      You’re an engineer, too. Make sure to put that on.

    • @enriquejaimes3368
      @enriquejaimes3368 2 года назад +2

      I am a cloud engineer, I guess I can say I am a computer doctor too.

    • @genxx2724
      @genxx2724 2 года назад +2

      I’m a lawyer. That’s a Juris Doctor.

    • @rubenwatson1723
      @rubenwatson1723 2 дня назад

      Great comment!! 😂

    • @rubenwatson1723
      @rubenwatson1723 2 дня назад

      😂😂😂😂😂

  • @marcenelj
    @marcenelj 2 года назад +832

    Dave is thinking like "ohh you're a fake doctor"

    • @charliele3165
      @charliele3165 2 года назад +132

      I laughed when I heard he’s a DPT. My sister and my wife both have Doctorates of Pharmacy and they call themselves Pharmacists, not Doctors.

    • @annat6249
      @annat6249 2 года назад +60

      It get funny when Dave start to ask, “PT. So what are you making $80k?” All that school debt for so little income. He doesn’t need college education to make that money.
      Fake doctor list also include PhD.

    • @orangutan-halibut-walrus
      @orangutan-halibut-walrus 2 года назад +44

      It’s like a lawyer calling himself a doctor because he has a Juris Doctor. It’s silly. When people call for a doctor we all know what that means.

    • @elizabethallen4353
      @elizabethallen4353 2 года назад +3

      YESSS

    • @nmc1859
      @nmc1859 2 года назад +19

      @@charliele3165 he's probably a new grad and just proud of his accomplishment 🤷‍♀️

  • @JerryStevens
    @JerryStevens 2 года назад +330

    Dave: I thought you were a doctor.
    Caller: I'm a doctor of physical therapy.
    Dave: Oh... you're a pt. So what are you making? About 80?
    Caller: I make about 70. 😆

    • @mikenelson8377
      @mikenelson8377 2 года назад +70

      Another PT trying to over-glorify his title 🤣

    • @Michelles_Daughter
      @Michelles_Daughter 2 года назад +7

      😂😂😂😂😂😂😂😂😂

    • @shabanaansari3545
      @shabanaansari3545 2 года назад +2

      Lol true

    • @anabolic123
      @anabolic123 2 года назад +15

      Idk why they do it. When someone says Dr. I immediately think family doctor.

    • @mikenelson8377
      @mikenelson8377 2 года назад +4

      @@anabolic123 right? Or a Doc of internal medicine.

  • @nickbroadhurst5924
    @nickbroadhurst5924 2 года назад +159

    To be honest, I don't see this guy ever paying his debt off. The wifey hasn't even gone through residency, they have $430K in debt and he passes it off like they charged a few lunches at a hot dog stand. In fact, I see them going into MORE debt... you know, gotta have the nice house and nice cars when you are a "doc".

    • @jenniferleigh1674
      @jenniferleigh1674 2 года назад +2

      Agree 100%

    • @dsrogersjr
      @dsrogersjr 2 года назад +6

      I like that line, "charged a few lunches at a hot dog stand"

    • @nickbroadhurst5924
      @nickbroadhurst5924 2 года назад +2

      @@dsrogersjr I think it accurately portrays the situation. lol

    • @jonathantaylor6926
      @jonathantaylor6926 2 года назад +5

      His real worry should be him and his wife having kids and then her wanting to not work and raise the kids.. which is great but I bet 300k of that debt is hers.

    • @britneyog9537
      @britneyog9537 2 года назад +3

      Which is why you work your tail off to pay it off from the start so you can start living like no other doctors (aka no debt). My hubby and I had over 200k when we got married and it was gone in 24 months. No debt til this day.

  • @GunGlutton
    @GunGlutton 2 года назад +60

    " we are doctors we deserve to have fun and we are the only ones with stressful jobs" What an entitled brat

    • @unfairsanic5089
      @unfairsanic5089 2 года назад +4

      Lolz im a nurse and i dont even whine like him

    • @clwest3538
      @clwest3538 2 года назад +1

      This is what I was thinking!

    • @GunGlutton
      @GunGlutton 2 года назад +4

      @@unfairsanic5089 at least if you whined it would make more sense

    • @aweisen1
      @aweisen1 2 года назад +3

      @gunglutton That isn't stated by the caller. Please don't propagate misinformation and make up a narrative.

    • @random-nz7dy
      @random-nz7dy 2 года назад +4

      Right haha. And he's not a physician and he's introducing himself like he is one. Saying we're both doctors
      You know what you're doing when you phrase it like that.
      And then act like you're holier than thou and the only one who works hard in life. Give me a break.

  • @David-wo9un
    @David-wo9un 2 года назад +159

    Guarantee the vacations still happen as planned; no chance he will be giving those up as he wants the Dr. lifestyle.

    • @roman7954
      @roman7954 2 года назад +26

      ….as a physical therapist lol

    • @Originalman144
      @Originalman144 2 года назад +7

      And they both will be voting for whomever promises student debt relief so they can continue their vacation lifestyle on the taxpayers dime.

    • @kbanghart
      @kbanghart 2 года назад +1

      @@Originalman144 yesterday it was confirmed that the debt incurred by the Corinthian school would be wiped out. Yay

    • @uwone7778
      @uwone7778 2 года назад +3

      He wants the Dr. Life without the Dr. income. 70? LOL, People flipping burgers are making 1/2 of what he is with zero education.

  • @eirikram
    @eirikram 2 года назад +80

    "Your marriage counselor is an idiot." - Dave Ramsey

  • @azteca6695
    @azteca6695 2 года назад +70

    Why do I get the notion, they will ALWAYS be in debt.

  • @bahwickee
    @bahwickee 2 года назад +4

    learn to enjoy making a cup of coffee at home and read a book from the library.

  • @joeydziedzic7466
    @joeydziedzic7466 2 года назад +48

    Dave just crushing everything about this poor guys thoughts... Lol

  • @joshua38410
    @joshua38410 2 года назад +65

    We are both doctors……lol

    • @leadnsteel1428
      @leadnsteel1428 2 года назад +6

      I bet they bought Mercedes as well. They need to drive a Honda Civic

    • @signsofthetimes886
      @signsofthetimes886 2 года назад +11

      A 1993 Honda Accord to be precise

    • @dukeandmary2578
      @dukeandmary2578 2 года назад +6

      Lol I hate when people misrepresent themselves. Yeah, technically he has a doctorate degree but most people think of medical doctors when someone says “I’m a doctor”. 🙄

    • @Sizukun1
      @Sizukun1 2 года назад +2

      He's a doctor and I make more money than him. He's excited for his title and not his average income.

    • @ellencox8415
      @ellencox8415 2 года назад +4

      🤣 doctors amount of debt, but not doctors. He's going to spend like he's a doctor, but will never make a doctor's salary.

  • @concernedcitizen12
    @concernedcitizen12 2 года назад +59

    “Your counselor is an idiot.” God bless papa Dave!!! Keeping it real

    • @sstrongman1667
      @sstrongman1667 2 года назад

      What part of what the counselor said made them an idiot?

    • @kbanghart
      @kbanghart 2 года назад

      @@sstrongman1667 exactly, Dave loves calling marriage counselors idiots when he has no clue what they actually talked about together. My wife and I have spoken with a couple counselors in our years of marriage, none of them suggested spending tons of money on travel LOL. Dave just automatically assumes the worst. If I were to call and try to explain it, Dave would probably just call me an idiot LOL

    • @rubenwatson1723
      @rubenwatson1723 2 дня назад

      ​@@kbanghart😂😂

    • @kbanghart
      @kbanghart 2 дня назад

      @@rubenwatson1723 👍

  • @diegolara4202
    @diegolara4202 2 года назад +47

    My definition of enjoying life is being able to pay the bills.. have some savings, play with my daughter and watch a movie or enjoy dinner with my wife. This all pretty much free minus the ingredients to cook the food.

    • @littlesongbird1
      @littlesongbird1 2 года назад +2

      Agreed. Don't get me wrong, I enjoy taking a trip (even if on a budget) or going out to eat from time to time. I also enjoy, cooking, movie nights at home, and game night.

  • @davidbaricello9556
    @davidbaricello9556 2 года назад +10

    As someone who works in the rehab field, a PT referring to themselves as a doctor because they have a doctorate degree is ridiculous and pretentious and entirely misleading to patients if he’s walking around a clinic or hospital calling himself Dr. so and so

  • @JA-zh5xi
    @JA-zh5xi 2 года назад +36

    You can go on walks, ride bikes, watch movies at home, take a class at the park district together. You don’t need to spend money to enjoy life together unless you want to be really broke.

  • @darylbaptie5159
    @darylbaptie5159 2 года назад +45

    "We love travelling.."
    Translation: "We love keeping up with the Joneses on Instagram."

  • @BlueBoxGirl1837
    @BlueBoxGirl1837 2 года назад +53

    I love his straight talk!!! I love that he addresses the elephant in the room every time!!! Why do folks think they can live the same life as a debt free or debt minimum person with an enormous amount of debt on their head. Great advice Dave

    • @Buttlather
      @Buttlather 2 года назад +1

      Because despite Dave's weird net worth view, these two are in significantly better financial positions than someone making 30k a year that is debt free - like most of his followers. They can and should live a better life than those people. Like you.

  • @toluani7690
    @toluani7690 2 года назад +20

    Oh PT, ok, so what you making? $80?
    That was brutal.

    • @moneypro85
      @moneypro85 7 месяцев назад +1

      Even worse when he said $70 😂

  • @sarahgoldey2792
    @sarahgoldey2792 2 года назад +40

    us poor folks enjoy things like sunsets,we call it the light show,just need a lawn chair

    • @lot2196
      @lot2196 2 года назад +1

      Yep, grab a fishing pole. Hiking to a fishing spot and enjoying the outdoors. Very cheap.

    • @unfairsanic5089
      @unfairsanic5089 2 года назад +2

      Lolz you can enjoy by looking around in a nearby mall

    • @Primitive_Code
      @Primitive_Code 2 года назад +1

      @@unfairsanic5089 or a trailer. jkjkjk 🤣🤣🤣🤣

  • @LilannB
    @LilannB 2 года назад +17

    430K in debt with combined income of 130K, that is scary. As Dave said they should not even be thinking about traveling with that amount of debt hanging over their head.

  • @JustinCase780
    @JustinCase780 2 года назад +30

    He was more interested in stating that he was "a Doctor" 🤔 over any financial advice.

  • @joefunk76
    @joefunk76 2 года назад +45

    Caller: “We’re $430k in debt.”
    Also caller: “Ha, ha, Dave, you think I’m going to drive five hours instead of paying several times that travel cost to fly there? Such frugality is fine for the other peasants who call into your show but it is not how I roll.”

    • @gregorymoore2877
      @gregorymoore2877 2 года назад +15

      When the drive is only five hours, I think flying becomes a hassle. You have to deal with airports; security; baggage check-in and retrieval; vehicle rental (or waiting to be picked up from the airport); vehicle parking for an extended time (unless you can be dropped off at the airport, in which case you have to wait to be picked up when you return.) Yeah, I think I would just drive the five hours and have my own vehicle available to me for the duration of my stay.

    • @joefunk76
      @joefunk76 2 года назад +7

      @@gregorymoore2877 Exactly. You don't even get much if any time savings from flying in place of a 5-hour drive.

    • @lovethemflowers
      @lovethemflowers 2 года назад +3

      @Gregory Moore - I agree. If most flights still require you to be at the airport two hours before your flight, they could be almost halfway there by driving, rather than spending that time going through security and waiting to board. They could split the driving in half, sit side by side and still both get window seats!

    • @debbieframpton3857
      @debbieframpton3857 2 года назад

      I would drive four and a half hours to see my daughter and I had no debt

  • @sebastianzx6r
    @sebastianzx6r 2 года назад +19

    Live in a studio apartment,live off 50K and that's it. It's amazing that they are clueless about finances.

    • @tinadehart3526
      @tinadehart3526 2 года назад +3

      But he’s a doctor. NOT! Lol 😂

    • @rubenwatson1723
      @rubenwatson1723 2 дня назад

      Don't forget the rice and beans !! My daughter had that for breakfast this morning. 😂

  • @cjusino85
    @cjusino85 2 года назад +19

    Omg I was laughing so hard when he say his counselor is an idiot! 🤣

  • @ohreally8259
    @ohreally8259 Год назад +22

    “Third statement: I am not a physician but I call myself Doctor to imply that I am a physician”

  • @Chromewarrior
    @Chromewarrior 2 года назад +31

    PT? Wow 🤣😂 I’m a Dr? Love those Dr titles.

  • @DMS1010
    @DMS1010 2 года назад +71

    Thank goodness for Dave’s honesty
    This caller has self esteem issues
    While technically I suppose he is a “doctor”. He is a PT. He could have announced that first.

    • @alinatamashevich3354
      @alinatamashevich3354 2 года назад +3

      Like a chiropractor! Unless they can write scripts for pain meds, NOPE.

  • @beckypetersen2680
    @beckypetersen2680 2 года назад +13

    I would think that during residency there wouldn't be time and energy to travel. I always thought they were overworked and very tired.

  • @lynnebucher6537
    @lynnebucher6537 2 года назад +27

    You can have fun on a shoestring budget. I sure did in college! Cut family trips down to once a year, or ask to stay at the parents' house instead of a hotel.

    • @dustinjohnson1410
      @dustinjohnson1410 2 года назад +2

      I love the contradiction. We want to spend time with family but we don't want to stay in their guest room for a weekend.

  • @kellywalls1902
    @kellywalls1902 2 года назад +31

    You lost me at “Me and my wife ..”
    I’m no doctor but that aint no good English 😂

    • @investedfemelle7564
      @investedfemelle7564 2 года назад

      😂😂😂😂😂

    • @kylehackett162
      @kylehackett162 2 года назад

      Grammar police alert!

    • @tinadehart3526
      @tinadehart3526 2 года назад

      Lol 😆

    • @kellywalls1902
      @kellywalls1902 2 года назад

      @@kylehackett162 He said it more than once. Maybe he never had anyone care enough to correct him 🤷‍♀️.
      I care. You’re welcome ❤️

  • @lennoxmutterick6434
    @lennoxmutterick6434 Месяц назад +195

    Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.

    • @lennoxmutterick6434
      @lennoxmutterick6434 Месяц назад

      @PilouBen However, if you do not have access to a professional like Clementina Abate Russo, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments.

    • @lennoxmutterick6434
      @lennoxmutterick6434 Месяц назад

      @PilouBen Clementina Abate Russo is her name

    • @lennoxmutterick6434
      @lennoxmutterick6434 Месяц назад

      Lookup with her name on the webpage.

    • @lennoxmutterick6434
      @lennoxmutterick6434 Месяц назад

      @PilouBen You are welcome

  • @disavvynurse8858
    @disavvynurse8858 2 года назад +15

    I love Dave he keeps it real

  • @AudraZapoticky55
    @AudraZapoticky55 5 месяцев назад +117

    investing requires good experience and knowledge to carry out a good and successful trade, I have lost a lot trying to trade all by myself May I ask which investments are good??>>>>>>..,

    • @Annis-co7vu
      @Annis-co7vu 5 месяцев назад

      I understand your concerns, my friend. I recommend exploring passive index fund investing and expanding your knowledge in this area. Personally, I experienced both successes and challenges when initially seeking a reliable passive income......,.,.,.

    • @Madlyn55
      @Madlyn55 5 месяцев назад

      how do I get in touch with this consultant that assist??>>>>

    • @Annis-co7vu
      @Annis-co7vu 5 месяцев назад

      STEPHANIE KOPP MEEKS, that's whom i work with look her

    • @Madlyn55
      @Madlyn55 5 месяцев назад

      Thanks for these recommendations.....,,,

  • @gregtetzlaff
    @gregtetzlaff 2 года назад +30

    Gotta love when Dave immediately covers the mute button after hearing "I have two statements."
    Thats experience right there

  • @allaboutferrets
    @allaboutferrets 2 года назад +28

    Dave is really the ⭐️ of this show 😅

  • @wickedlikethreesixes5167
    @wickedlikethreesixes5167 2 года назад +4

    A physical therapist is not a doctor in my country.

    • @DongNuggets
      @DongNuggets 6 месяцев назад

      Is it a doc in any country? 😅

  • @AustinTexasGardening
    @AustinTexasGardening 2 года назад +24

    2:12
    The guy: "Were 430k in debt with 120k household income. Me and my spouse's passion is traveling, hiking in the mountains.."
    Dave: 🤨🤨😡

    • @Vydio
      @Vydio 2 года назад +2

      They should develop a passion for reducing debt for awhile.

  • @FrankS111
    @FrankS111 2 года назад +207

    I love how ANYONE in the medical field calls themselves a “doctor”.

    • @jamesbyerly766
      @jamesbyerly766 2 года назад

      The hospital is the new killing fields. STAY AWAY from these evil places. They are trying to poison you for dolla dolla billz y'all!! WAKE UP AMERICA!!

    • @James-hp5tx
      @James-hp5tx 2 года назад +20

      Yes, it's very annoying.

    • @ufchighlights1
      @ufchighlights1 2 года назад +17

      Yeah it’s cringe

    • @MrTmenzo
      @MrTmenzo 2 года назад +20

      Or anyone holding a doctorate really. Call me Dr. for having a doctorate in social studies lol

    • @johnadams3418
      @johnadams3418 2 года назад +9

      @@MrTmenzo In common parlance the term doctor without a modifier like "Doctor of Chemistry" is used for medical doctors. I have a medical doctorate and sure it wasn't easy, but if you have a doctorate in say physics or aerodynamics, my hat is off to you. Some doctorates are harder than medical doctorates. That being said, the typical person insisting on being called "doctor" outside of the professional realm, be they medical doctors or not, are self important tools. It is especially common in fake doctorates like physical therapy or the "social sciences". Just look at the first lady.

  • @Gibb591
    @Gibb591 2 года назад +10

    "I have two statements and one question"
    Dave: in a split second has his finger on the mute + "thanks for the call" button

  • @RaymondSie
    @RaymondSie 2 года назад +26

    I love Dave's passion in eradicating debt and calling some people, idiots!

  • @PriceyP
    @PriceyP 2 года назад +26

    I Feel sorry for this guy when his wife finds a real doctor smh 🤦🏽‍♂️

  • @ryanwalker9842
    @ryanwalker9842 2 года назад +6

    I love that Dave is always a straight shooter. One of the best feelings I ever had was becoming debt free. Being crushed by debt is a dangerous way to go through a marriage

  • @Omikoshi78
    @Omikoshi78 2 года назад +16

    1:33 "oh you're a pseudo doctor, you make 80k?" 😂Ramsey is savage, that's what I come here for lol

    • @Yugiboii
      @Yugiboii 2 года назад +1

      And he made even less than that

  • @ManuelLopez-ev7ud
    @ManuelLopez-ev7ud 2 года назад +15

    We are both doctors 😮😮😮
    I’m a PT 😐

  • @investortrip
    @investortrip 2 года назад +14

    This poor guy is a typical blue pill simp. She will divorce him anyway once she finishes her residency and makes more money. Hope he wises up and gets out of this marriage before it costs him everything.

    • @DavidRamseyIII
      @DavidRamseyIII 2 года назад

      Just because you’re a loser and your marriage ended in flames doesn’t mean all women are evil

    • @unfairsanic5089
      @unfairsanic5089 2 года назад +1

      Lolz yup a true simp. Probably has a financed car too just to impress his girl

  • @alexander15551
    @alexander15551 2 года назад +6

    What i don’t understand is they said they want to visit family but, they need to get a hotel. They can stay with a family member in their house for a night?

  • @xtina1610
    @xtina1610 2 года назад +14

    I will never look at a doctor (of any kind) the same way. I used to think they were all rich since they made so much. It never occured to me how many of them dont take their school debt seriously, and just pretend to be well off.

  • @blackhoodiefitness5862
    @blackhoodiefitness5862 2 года назад +9

    I’m a police officer, my uniform says “security” on it though.

    • @rubenwatson1723
      @rubenwatson1723 2 дня назад

      Your uniform should say, "I put my life on the line every day to keep all of us safe!!" Thank you!!

  • @johnathanh.9038
    @johnathanh.9038 2 года назад +17

    This reminds me of the episode from Friends where Ross wanted the admin staff at the hospital to call him doctor because of he has a PhD in archaeology 😂

  • @Jazna1
    @Jazna1 2 года назад +11

    But but but we're doctors! We deserve to enjoy ourselves! We're special! Entitled. End of.

  • @Ethiodawg
    @Ethiodawg 2 года назад +47

    The fact that this guy is so chill about over $400k debt is scary smh

  • @wreckers_band8825
    @wreckers_band8825 2 года назад +20

    This math doesn't work. Their incomes do not justify this debt. I thought he meant they were doctors like MD or DO. I still don't get it, with so much information out there why people do this to themselves.

    • @jimmymcgill6778
      @jimmymcgill6778 2 года назад +2

      It takes time. They are not going to start making 200k straight out of school.

    • @TimeisUp22
      @TimeisUp22 2 года назад +1

      They went to expensive schools.

    • @Ka_Gg
      @Ka_Gg 2 года назад +1

      It will take a few years before his wife makes big money.

  • @random-nz7dy
    @random-nz7dy 2 года назад +67

    As somebody who's been in the medical field his entire career, there's few things as aggravating as people who misrepresent their title to try to posture.
    It's embrassasing. It makes you look like a fool. And it makes you look like you're ashamed of your profession.
    It's just poor and you just embarass yourself.

    • @amde8554
      @amde8554 2 года назад +8

      Exactly a doctorate is the end point in an educational trajectory but using a title when you’re not a medical doctor is misleading

    • @nursevinyl6185
      @nursevinyl6185 2 года назад

      Well said!

  • @BaconMountainMan
    @BaconMountainMan 2 года назад +12

    Hiking is free. 🤷‍♂️

    • @ellencox8415
      @ellencox8415 2 года назад +3

      He rents a hotel to visit family 🤣🤣. Any excuse to spend money is this guy. If he was genuinely interested in cleaning up his mess, sleeping bags on the floor would be his future, but he's not going to do that because he isn't serious.

    • @BaconMountainMan
      @BaconMountainMan 2 года назад

      @James Williams Right? We always stayed with family. We chip in some money for food, but it's mostly free. 🤷‍♂️

  • @tigerak02
    @tigerak02 2 года назад +6

    DPT isn't a real doctor, he was trying to pass off as a MD. Pathetic.

  • @brandonwilliams5353
    @brandonwilliams5353 2 года назад +8

    Ha! The first 20 seconds and Dave has his finger ready to mute him.

  • @mikesmith-wk7vy
    @mikesmith-wk7vy 2 года назад +10

    The second he said enjoy life I knew it would mean expensive vacations and travel

  • @ryanrhinowright
    @ryanrhinowright 2 года назад +50

    I love how Dave’s hand immediately goes to the mute button when he says “I have two statements” 😂

    • @zMidnightHD
      @zMidnightHD 2 года назад +3

      I didn't even notice 😂😂

    • @Omikoshi78
      @Omikoshi78 2 года назад +4

      If he was a real doctor he might have been blessed with time for one statement 😂

    • @lot2196
      @lot2196 2 года назад +1

      Yep, I was going to comment the same.

  • @lucybell1487
    @lucybell1487 2 года назад +4

    True self awareness can happen through Dave's honesty

  • @thingshappens
    @thingshappens 2 года назад +11

    The call started off so nice- like we are two doctors- and then they are like we make 60 and 70K . Dude, plumbers make double that.

    • @mackdaddy2208
      @mackdaddy2208 2 года назад +3

      Well his wife has an excuse. She will make more than double her current pay once residency is done. He might be stuck for a while

  • @krobdawg
    @krobdawg 2 года назад +8

    gotta love it when Dave calls people idiots lol

  • @nicecolor3083
    @nicecolor3083 2 года назад +9

    I'm a doctor of physical therapy. I'm also a part-time clown ...

    • @jenniferleigh1674
      @jenniferleigh1674 2 года назад +1

      oh my goodness. This is GREAT! Love your comment

    • @lingra1438
      @lingra1438 2 года назад

      THIS PHYSICAL THEARAPY WORKER MUST THINK HE IS BRAIN OR HEART .DR.

  • @klauser10
    @klauser10 2 года назад +5

    They are not at the 'sick and tired of being sick and tired' moment yet. They still have at least 10 more years before they start taking that debt seriously. If they are still together by then.

  • @Ka_Gg
    @Ka_Gg 2 года назад +92

    This reminds me of the hangover where the dentist brags about being a doctor. Lol.
    These two "doctors" could have been nurses by now clearing $100k each, minimal debt AND could have been traveling nurses.
    Dave is right though. They should have thought about all that a long time ago.

    • @bettysmith4527
      @bettysmith4527 2 года назад +11

      it sounds like the wife IS actually a doctor, as in physician, he is not.

    • @ufchighlights1
      @ufchighlights1 2 года назад +5

      So true. But people don’t think that far.

    • @Ka_Gg
      @Ka_Gg 2 года назад +1

      @@bettysmith4527 I said "doctor" mainly because of his wording of regarding to both of them as doctors. Yes, the wife is a doctor.
      (Edit. Doctor in terms of what most people think when they hear that word.)

    • @ChattingWithMegan
      @ChattingWithMegan 2 года назад +10

      Dentist is actually one of the higher paying and work-life balance doctors.

    • @nmc1859
      @nmc1859 2 года назад +3

      @@ChattingWithMegan high incidence of suicide amongst dentists unfortunately 💔

  • @TommyG11814
    @TommyG11814 2 года назад +24

    Sometimes a doctor may be smart in his or her field and not so much when it comes to life.

  • @brianbeattyphotography
    @brianbeattyphotography 2 года назад +9

    haha, love the blunt response. PT and medical seems more and more unappealing every year with these massive school loans

  • @zachwalters8001
    @zachwalters8001 2 года назад +6

    He should not have used the term “doctor” as that implies he is a physician/surgeon MD/DO. As most people think being a physician is synonymous with the title Dr. He is a Dr. In the sense he has earned a terminal degree. Which is not easy to do in any field. Lots of hard work and years of education. Many people trying to do what he has done have flunked out along the way, given up, or were not accepted into the professional school program. The term Dr. Comes from people who earned PhDs then has extended to the professional doctorates such as MD/DO in the early 1900s

  • @volhakasyudik6895
    @volhakasyudik6895 Год назад +1

    PT🙈 I guess I can consider myself being a doctor too😂 with my respiratory therapist license 😂

  • @cutehumor
    @cutehumor 2 года назад +5

    BROKE AS A JOKE. 🤣😆😁🤪

  • @BitterComments
    @BitterComments 2 года назад +7

    _Help! Is anyone a doctor?_
    *Well, I have a doctoral amount of student loan debt…*

  • @DrJiozu
    @DrJiozu 2 года назад +4

    I am a dpt, way less debt than this and feel the pressure. 430k is just unbelievable. You can get a few dpts with that.
    My guess is the combined loans with the MD studies really inflated the total.

  • @tomiasthexder7673
    @tomiasthexder7673 2 года назад +4

    I identify as a Doctor....

  • @adamseidel9780
    @adamseidel9780 2 года назад +9

    Billings, MT is incredibly cheap. Hiking in the Mountains is also free in Montana. A couple hundred bucks a could hundred times a year to see their family isn’t going to end them if they leave it at that. They can do it.
    But anybody who is a PT who has to call themselves a doctor because their wife is an actual MD has pretty powerful zero delusion, so will they?

    • @Ka_Gg
      @Ka_Gg 2 года назад

      Yep! They want to travel and spend a lot. They can still have a great lifestyle and do most things. Just not go crazy like they are pulling in $500k.

    • @adamseidel9780
      @adamseidel9780 2 года назад

      @@Ka_Gg I mean, let’s be real, their debt is massive, they can’t have a great lifestyle and do most things. They CAN hike for free, one of the two things they said they REALLY care about, and they’re going to be paying off this debt for most of a decade, so they can afford to spend a few hundred dollars a year to visit her parents. So they can do the two things they said are really important to them without much cost. That’s it.

    • @Ka_Gg
      @Ka_Gg 2 года назад

      @@adamseidel9780 they CAN have a great lifestyle. Having a great lifestyle doesn't mean blowing lots of money. Thats where people confuse having a great lifestyle.
      I know several ppl that consider going camping and floating down stream as a great lifestyle. Some ppl just hike.
      The problem is the way this guy phrases it, they sound like they want to travel and blow a lot of money.

    • @adamseidel9780
      @adamseidel9780 2 года назад

      @@Ka_Gg ok, now you’re being pendantic. When people talk about a “great lifestyle” in the context of a personal finance conversation, they’re talking about cost level. Anyway, we don’t disagree.

  • @ororomonroe8022
    @ororomonroe8022 2 года назад +4

    Anyone else notice how quickly Dave got ready to mute the caller😂?

  • @janstolk486
    @janstolk486 2 года назад +2

    Good thing they like hiking .

  • @doublet8142
    @doublet8142 2 года назад +4

    🤣 Dave just crushed him...

  • @emaldon7
    @emaldon7 2 года назад +8

    This married couple, making a road trip, staying a few days in a hotel, going hiking with the fam... I can't see that cost more than $1000 each time. These guys just don't wanna budget or something.

    • @jml9550
      @jml9550 2 года назад +1

      They think make $300K combined in the future will guarantee billionaire lifestyle. Best of luck on that.

    • @Dan16673
      @Dan16673 2 года назад

      Lol

  • @krassimirpetrov7131
    @krassimirpetrov7131 2 года назад +24

    She will divorce him once she makes $250k almost guaranteed

    • @JustinCase780
      @JustinCase780 2 года назад +4

      She's already dating a surgeon.

  • @TheLottoKing
    @TheLottoKing 2 года назад +9

    While I guess it's assumed, hopefully Coleman knows it's beans and rice rice and beans and you won't see the inside of a restaurant unless you work there.

  • @Ka_Gg
    @Ka_Gg 2 года назад +3

    It just sounds like they want to spend a bunch of money traveling. He acted like hiking and visiting family will break the bank...it won't.

  • @Kyle-xe5qx
    @Kyle-xe5qx 11 дней назад

    "Your counselor is an idiot" 😂😂. I love dave

  • @katie8325
    @katie8325 Год назад +1

    “We’re both doctors” 😂😂😂

  • @DoctorSmartyPants
    @DoctorSmartyPants 2 года назад +4

    Doctor educated and starts his sentences with "Me and my spouse....."

  • @kaykark
    @kaykark 6 месяцев назад

    Also gotta love, “our premarriage counselorS…” 🤣

  • @JustinCase780
    @JustinCase780 2 года назад +3

    He forgot to mention that he just purchased a new Mercedes with "MD" vanity plates.

    • @alinatamashevich3354
      @alinatamashevich3354 2 года назад +2

      Probably an "A" or "C" class! It is sad when a Honda Accord cost more than a MB

    • @steveo601
      @steveo601 2 года назад

      @@alinatamashevich3354 Literally. Getting a new/ used car this fall.Son getting the old one. I can find a 2 year old Infinity Q50 or Lexus ES350 cheaper than a mighty accord😆😆

    • @alinatamashevich3354
      @alinatamashevich3354 2 года назад

      @@steveo601 The Lexus trumps the Accord I was looking for a LX/ES350, but found a Maxima Platinum off lease! I love it!

    • @steveo601
      @steveo601 2 года назад +1

      @@alinatamashevich3354 Those are nice too

    • @alinatamashevich3354
      @alinatamashevich3354 2 года назад

      @@steveo601 I fell in love when I drove it, powerful and it handles like a car 2X it's cost.

  • @Yupyup543
    @Yupyup543 2 года назад +1

    This caller’s facial expressions throughout the call:
    😃😀😊☺️🙂😕😳😬🥺

  • @codelessunlimited7701
    @codelessunlimited7701 4 месяца назад

    Uncle Dave pressed the red button and call his counselor an idiot. 😅

  • @PinkInTheDiamonds
    @PinkInTheDiamonds 2 года назад +4

    Yeah...not so smart. Almost half a million in debt. That's crazy

  • @oneisnone7350
    @oneisnone7350 3 месяца назад

    These hospitals should be paying more, even if it’s a residency.

  • @betitos11
    @betitos11 Год назад

    The road goes both ways, sounds like shes traveling home 🤣🤣💀💀

  • @brandonmcmillan9641
    @brandonmcmillan9641 2 года назад +4

    I'm a Doctor, I deserve a fancy life!

  • @sseraj2898
    @sseraj2898 2 года назад +13

    Dang I’m a nurse practitioner and hold a doctorate and make more than these two ppl combined salary, and I never called my self a doctor even though when my patient comes into the room for examination they still refer to be as their doc and I politely reiterate I’m an NP here address your concerns regardless.
    The caller truly need to be making more also why you only making 70k a year, I couldn’t breath if I had 400 k debt he is talking about taking vacation and enjoying life hmmmm no stick with rice and beans!😜

    • @aweisen1
      @aweisen1 2 года назад

      Of course, you do... they both just graduated and are starting out...
      I'm glad you make that distinction because too many NPs misrepresent themselves and overstep their role/education.

    • @tdgdbs1
      @tdgdbs1 2 года назад +1

      We have a clinical pharmacist that always introduce himself as " I'm Doctor...." when he rounds with patients. Created a lot of confusion