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This call briefly reminds me of the movie Acrimony (without the crime/drama). Just the plot where the guy pursued his dreams and barely scrapes enough to pay utilities while the wife works two jobs and is struggling.) I would love to hear Dave’s rant about that aspect in the movie.
Dave has it right on! Maybe professional marriage counseling with an experienced narcissism counselor.
Dude do you really think its okay to continually insult grown men behind there back's to there wives??? I don't see you doing this the other way around you always look for a reason to take shots the the man and it's really telling maybe you should talk to your pastor
He is using her. He is either lying to her or he is just doing his hobby on his wife’s dime. She seems nervous to really face it.
Yes, he is.
Agreed.
Or may be she is laying can that be a possibility?
Yeaahhhh...he’s got something going on! Ridiculous!
Ima thought exactly , I think he is lying
He must be hiding his money. There is NO WAY a person would do that!
That’s what I said Exactly ❗️❗️❗️❗️
...hiding it from the IRS
Exactly. Dave whiffed this call completely. A lot of small business owners take tiny pay, and just live off expensing everything to the busness for the tax write-off. It doesnt necessarily mean he’s not earning money, he’s just hiding it in the business. Maybe that’s not the case, but this poor lady was railroaded in this call.
EXACTLY! My former husband decided not to take a salary from his medical practice, and just give me enough for a few bills. He made $650,000 plus. Good thing I had a job and made my own money, but we did not co-mingle finances. I am glad I did not as it made the divorce easier.
@@jenniferlee7167 wth...that's not nice at all.
How could they NOT ask what this guy’s “business” is?!
I'd be curious.. even if it's a common company such as construction, etc. .. still curious.
Exactly! Or how old they are.
That’s what I wondered too.
Trucking
He's probably selling stuff from Goodwill on ebay.
'Love you enough to tell you the truth' - That's one strong proof of love, which many shy away from. Well done Mr Ramsey and Mrs Cruze.
She just described my marriage. After the divorce, I learned that my ex had a six figure income from his company yet he had let me assume all financial and credit responsibilities. Did not recognize this as financial abuse until after the dust from the divorce settled.
I'm sorry about your divorce and I am happy you're free now. How long were you married for and did you have a prenup?
@@anazuosalihu9712 Married at 18 divorced at 26. If there is a next time, I will have a prenup.
I’m sorry you had to go through this. Just out of curiosity, did you not notice his income on your tax return? Or was he lying to the IRS as well? I’m very curious on how people are able to hide things like that.
@@saraho1793 we never filed joint returns for a few reasons. I trusted that he was honest. That is what this naive 18 year-old thought. God is justice. My ex lost everything three years after the divorce without me having to lift a finger.
@@saraho1793 My uncle forced his wife to sign false tax returns for years--she complied because she was terrified of him. Years later when the IRS caught up and took house, cars and bank accounts, she left him. After their divorce the IRS took the house she'd inherited from her dad even though she didn't know what her ex was doing. It took her years to get it back under the Innocent Spouse clause.
He’s playing his hobby while you’re his cash cow. 😬 Yikes
Lucky man!
Wish I had a cow.....wouldn’t care if it’s a mad cow
Sugar Mama, Baby!
Y'all do it all the time
Mr. Negative The Negative Man Some women and men do it as a sugar baby relationship. Not me. Not ever. It should be 50/50 split into equal work of a relationship.
5k a year😂🤣 People dancing on trains make more than that a year.
Showtime!
The husband is likely claimed little to no income on his tax returns and expensing things to the company (potential write-off).
Guarantee that the husband has no desire to change their situation.
Dog walkers can more than that haha
I’m dead🤣🤣
Dave nailed it... AVOIDANCE on many levels. Her giggling and laughing while simply talking about it is a coping mechanism of avoidance in itself...
The laughing indicates a desire to minimize the seriousness of the situation. I know its hard to recognize a massive mistake that has been going on for many years, but it needs to be addressed with seriousness if it is going to be corrected.
Has she actually seen his business finances?? Or is she just taking his word....🤔 so fishy...
I am glad Dave laid it out there and didn't dance around the issues.
Shes crying for help! She knows d**mn well her situation is wrong and maybe she is afraid of him in that the b.s. he spoon feeds her and he probable talks down to her too completely making her feel guilty somehow for questioning him. Bet he belittles her that she doesnt understand being self-employed yada, yada. She wanted Dave to tell her what she already knows...Git to steppin gurlfriend
Ur husband is lying ...
That is exactly what I was thinking. He's playing her and stashing the money somewhere.
It sounds like there is a good chance he is lying.
Exactly my thoughts. This business wouldve gone under. Hes up to something. Shes being naive. It hurts to confront the truth.
He is up to something. The wife needs to get serious and investigate.
Similar thing happened to my aunt. Turned out he had a second family he was supporting.
The fact that she laughs at every time they call out the ridiculousness of her setup makes me think she doesn’t understand the severity of her situation.
This is what they call a nervous laugh, she is hurt a lot from the inside but keeps it inside and gives out the nervous laughter, she is HURT not anything else
"He's doing what he wants" - she says that a few times. Says it all. Not a team.
It's nervous laughter. It's easier to laugh as an implicit Agreement than actually say words.
To me it was about being nervous because she knows it too.
Or she gets it but is scared so she laughs a laugh of nervousness
He tells you he makes 5 grand a year, that's not what he actually makes. Good grief
Hire an accountant and go through his finances. Hes hiding it.
4:42 “You make ten times more than he makes” ... *SILENCE* 🤦🏽♂️
It sounds like he's hiding money, not taking out profits and putting $$ away on the side.
Thanks to Dave in Nov. 2019 we became debt free, we explained our finances to our daughter...she said when she grows up, she wants to be like us. By Feb 2020, she was debt free. She learned those heated seats and car payments did not feel as good as building a home without debt!
This guy has been up to something for a long time. This lady had better get to the bottom of it and today would be a great day to do it.
This is beyond her just carrying the household by herself. I'd be petrified of something illegal going on. Please tell me you do not do joint income taxes or have joint bank accounts with this man.
Complete utter failure. Why continue on the same path? America has a problem with basic math and common sense.
@D Goshay for real
"Cuz he's a butthole, or something like that..." 😂🤣😂🤣 love ya Uncle Dave
What a sad situation. I hope this nice lady gets some help with her marriage.
Your hubby is happy because he can have a hobby, eat good, life stress free because you take care of him sis. 😬 Better move on, he is a dead beat free loader.
If the wife had a hobby and did not make any money, would that be ok?
equality baby 🤷♂️🤷♂️😁😁
He’s living the life lol
@@mikebetts2046 That depends. If he claims to be working full time, then he isn't picking up the slack at home like a housewife would. Someone who does most or all of the cleaning, cooking, washing clothes, running the errands, etc. can be adding enough value to the family unit that everyone's happy. On the other hand, if the non-earning spouse isn't contributing anything in labor to the household, nuts to that. I had a boyfriend like that once; a complete waste of skin. Worse, he refused to work enough hours at his fast food job to pay for his own fun, and had his hand out to me all the time. And he cheated on me. This woman has been taken for a 27 year long ride.
@@edennis8578 I agree with your general premise that both need to contribute in some way to the household, but neither you nor I really know how these details are playing out in this situation.
"This boat needs to be rocked." Well said.
This marriage is messed up if you read between the lines.
yes something's fishy
He sounds like an abusive manipulating cheating husband jeez. I feel sorry for her she has serious self esteem issues
To the caller, I totally get it. I’ve been married to a man just like your husband for 32 years. Everything has always been about him and his “dreams.” Nothing has ever been about us. And he has never been willing to get any kind of counseling because nothing is wrong with him, only me. I feel for you. There’s no getting through to self-centered people like this.
Love with when Papa Dave gets angry and righteous..😅
This is one of the most messed up videos I’ve watched. She’s laughing to keep from crying probably. At least I hope! This lady needed to grow a pair a long time ago and talk about finances before marriage. Not now.
@D Goshay BINGO!!🎯
Something doesn’t add up.....
Glad Dave let loose at the end. It was needed.
I love when Dave breaks it down.
So anyone working at mcdonalds is making more than this guy, loooool
He owns the McDonald's.
@@rd24life McDouble! LOL :)
Or could be the guy lying to his wife on his profit
5000 a year is $2 an hour.
Her laughter is infuriating - hope it’s just a nervous tick.
Yeah because I would be like this isn't funny. It sucks for you...sigh
It is a nervous tick. She knows it sounds "off" & she really doesn't have a reasonable explanation. The laugh is "please like me, please dont hurt me."
She needs a new tick!
No, it's the sound of DENIAL.
I appreciate Rachel's tenderness but I couldn't wait for Dave to get out the gate! She needs tough love and the truth. WAKE UP!!!
He is stashing his money and will dump her for a younger version...wake up lady
I highly doubt he only makes 5k a yr. I suspect its more that's what he is telling her as he is playing her big time. If it was me I would call in the auditor divorce him and take half of that so-called money-losing company
Rachel and Dave:
🙂
Caller: "I'm kinda doing this without discussing it with my husband"
Rachel and Dave:
☹️
She didn't realize when they said their vows-love, honor, cherish- they were both promising to him. By her tone, she fully understands this since, and is trying to keep it, them, together. I'm worried about her because this was my life for 30 years. He had his own separate bank accounts and our joint account. And then he left the marriage when he had better options for himself- walked in the door one day and told me to "leave as soon as possible so that I can feel moved on" one month before our 30th anniversary. I was mid-50s suddenly without a home, a job, my kid & friends (I had to move across the country), no savings, retirement, and I had believed (stupidly) that we'd grow old together. I was in $10,000+ in debt because I had been using cc in my name only to pay our expenses for years while he jumped low paying jobs (i think they were? i have no idea actually) constantly. No one knew I was supporting us, that we were in debt, as he spent his time on his "real" life- a band. She does need to reach out to a pastor and Godly friends. asap. Will be praying for them both.
Gotta appreciate Dave when he tells it like it is! I hope the poor lady is not in some sort of abusive relationship and that is why she seems to not want to create conflict. If she's not, she needs to put on her big girl pants and give her husband a big reality check!
He’s stacking money 💰
I have so much respect for Dave for telling people what they need to hear and not what they want to hear.
I called into a financial talk show to figure how to get my husband to get on board with saving for the future and filed for divorce the next day after I was enlightened
Dave ends more marriages than makes millionaires.
He sounds like a very weak manipulative narcissist and she is completely co-dependent and delusional about the whole situation. Plan your escape without his knowledge!!
5,000 a year for 13 years is unacceptable. My father in law did that to wife’s family and put stress on the entire family
poor lady. she married a dud. 27 years down the tubes. you’re still young Chris. cut your losses and run!!
He's probably making more but hiding it from her.
HE IS SOCKING THE PROFIT AWAY FOR THE DAY WHEN HE WANTS TO LEAVE !
OR, HE IS SUPPORTING A SECOND FAMILY
Heck he could be supporting members of his own famiyl(deadbeats).
he has a gambling habit.
If he's supporting another family or gambling, I want to know how he hides it on the income tax paperwork. Unless they do their taxes separately, she has to see it to sign it.
She may be the type who just signs the paperwork - also, if a great deal of his business is done in cash he might not be reporting that to her and to the IRS
She has never seen the books for her husband's "business". He is lying about profits so she will keep providing. He is super dominant and withholding. She is dominated and conflict avoidant. What a sad mess. A divorce lawyer could get access to those records but you are likely not going to go down that road.
She keeps laughing and with the look on their faces you know they're both thinking this ain't a funny situation
I'm glad "Uncle Dave" told her the truth, that Kris darling, her husband is not being a man, he needs to step up and take care of his family. She has to have that talk with him. Otherwise, she will be trapped for life taking care of a grown man! Prayers for you Kris to gain power and strength 🙏. Enough is enough.
I feel so bad for her! Glad she called in maybe this was good for her to finally hear💙💙
Sounds like hubby has a secret life
The “company” is just a hobby of his
27 years. Wow
I like how Dave gets real at the end. She don’t want to hear it though
I absolutely love her personality lol she's so chill
She’s naive!
Messed up is an understatement.
He's hiding money & has something, or someone, he's spending it on
Why does she keep giggling? There's nothing funny about your man making 5k a year.
It's a nervous/shameful laugh. People do that
It is most likely her way of coping with the issue
Is there anything funny about my wife working eight hours a day on her hobby and not making ANY money?
She’s been sleepwalking thru her marriage. TBH, they were soft on her and could have grilled her harder.
@@legony1 And weirdly, she defends him. After she called DM to whine about him. "This is our life. *giggle*"
She could be scared to address the situation because he's abusive 🤔
I was starting to think dave was being a comedian to her,she laughing like its all a joke lol
It sounds like she's a pushover and he is telling her what she already knows. Shes laughing out of embarrassment.
Nervous laughter. She’s very comfortable about conflict, but is really fed up with it internally.
That was nervous laughter.
Have you heard anyone say “if I didn’t laugh, I would cry”.
I was laughing as I was listening to this. She's giggling over her husband's making $5k per year. Besides that, she seems to be ok with that. Dysfunctional couple.
5k a year that is absurd
This is a marriage problem AND a money problem. She sounded said when said how long they had been married.
She is too nice. Her husband is taking advantage of that.
Excellent advice Dave!!!!
The husband is an entitled narcissist
Society is so sad.....enough sad.
He either thinks she's too stupid (or scared) to notice he's getting a free ride, or he's hiding money from her. She's just woken up to the idea of handling finances in a more mature way, but is realizing she's gonna have to poke a sleeping dog with a stick. Could be good for their marriage, but her nervous laughter tells me she's more afraid it will destabilize a lot of things.
Profit is NOT pay. What does he bring home for PAY?
She said he puts the money "back into the business."
Sherry Ellesson I have run my own business’s and will tell you after 13 yrs if you have to put that much money back into a business then that business is not viable and he needs to wind it up and get a job. My feeling is he is actually earning a lot more than he tells her and stashing money.If you are in a marriage both partners should be fully aware of each other’s financial affairs and if your not then you don’t have a true marriage.
These calls are absolutely painful. Common sense, people.
Sounds like someone has a business that brings in mostly (unreported) cash.
Lots of spouses are hard to get on board when it comes to finances.. I actually interviewed a divorce attorney on my channel on how to keep your money in a divorce.
This is a disgrace, why is she putting up with this?! She might as well be single! She needs to take a look at his books and see where all the money is really going!!
He wants the freedom to work when he wants to. Pretty much. As long as she pays all the bills he will not feel the urgency of hustling harder. 13 years and only making $5000 a year is unacceptable.
Thanks Dave...I'm fuming cause I see it too!
Dave never asks what business people are in who "run their own business", because he knows that half of them are MLM distributors and he doesn't want to say that's a scam even though he knows it is.
I hate MLM, but they are not a scam. They are totally legal.
@@jimroscovius Lots of scams are legal.
Whats the rest of the story??
Where's Paul Harvey when you need him?
Happy she made the decision to call in, first step to happiness hopefully
Well said Dave. Hope it works out for her.
I would never allow my wife to be the only provider financially. No matter what. I saw what that's like growing up and it hurts to think how much my mom struggled. Now that I'm older and have my own bills to pay, I have no idea how she managed.
Her nervous laughter REVEALS everything I need to know!!!
$1.00 an hour. Holy craptastic. That should be a slap in the face.
Not even a dollar a week actually!
We need more Rachel Cruze. I really like her perspective and the way she handles the various callers. Calm, smart, and to the point.
Let me tell you this lady YOUR BETTER OFF SINGLE 🗣
How do you call in? What's the number and time?
He has no conscience and she acts clueless. Wonder if they do joint taxes and if they get a refund no doubt who keeps it. How can a woman put up with this???
I would of addressed this 10 years ago. At this point he’s not going to stop what he’s doing. He doing what he want and you’re paying for his living. I’m guessing they don’t want to retire.
Husband probably has a second wife he supports
I would think she'd know about that from the tax paperwork. He could only hide so much without looking suspicious, so he's either a genius in avoiding audits, or both the IRS and the wife don't care that much.
Similar situation happened to my aunt and turns out he had a second family he was a supporting
If he keeps most of the profit within the company, that means he's using the business as an appreciating asset, making as little take home pay as possible to pay less in taxes. Isn't that normal for ALL small business owners? I have a feeling she doesn't know how much her husband actually makes.
Of course he is cooking the books for himself not even for the family. She isn’t aware of that
Can't imagine they'd be doing it for this long tho. Ppl need to eat at some point.
He's either got some girl(s) on the side or is stashing money for when she divorces him.
The fact that this women laughs every time dave slaps some reality to her face really frustrates me
Marriage counselling big time......needed here .......
Great guidance R & D. Hope she can work up the courage to do it. So sad for her, getting played like a violin.
The lady has been submissive to her husband and let him have a hobby while she's the one working and paying the bills. So sad but it's time to wake up and dump this fool aka burden of a husband who's useless
so true!!
There is actually a word for what her husband has but it isn't a 'business'. What he has is a 'hobby'. I have met plenty of self-proclaimed entrepreneurs who rave about their passion and how they 'get paid to do what they love'; yet when you look at their income and compare it to their expenses and amount of time the spend 'working for themselves', then factor in that they get no paid vacation, no retirement plan, no Dental or Health insurance.....But you are a Monster when pointing out that they are making out substantially worse off than minimum wage.
This is wild. I cannot even imagine.