“I’m Not Going To Participate In This Insanity!”
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- Опубликовано: 18 окт 2024
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“Hi Dave & John, I’m not willing to follow the baby steps, but can you tell me how to get out of debt?” 🤦🏻♀️
The husband is smart. Caller is omitting so much, business is failing and caller racked a lot of debt. That’s irresponsible.
True!
Dave won’t say it but it’s true
If my husband has a business that fails then WE have a business that fails. We're teammates and partners in everything, good and bad. Why be married otherwise?
The husband is an ostrich. He's putting his head in the sand telling himself the front of the train is on the track while the back of the train is rapidly derailing. This situation will bring him right along with it if he doesn't wake up and start dealing with it.
Facts!
When I heard the callers confusion, I thought "I wouldn't want to combine my finances with this person, either." We're only hearing one side of the story... I'd like to hear what her husband would have to say. The sense I'm left with is that the caller has a business that is not productive, so she went into credit card debt and she wants her husband to help pay for it.
Have the same problem with mine .she will talk 🦜 so much and seems confused and never to the 👉 point and I get mad at her....😮😢
SHE IS CARELESS WITH MONEY SO THEREFORE HE WON'T COMBINE WITH HER......
Love this call and I think Dave's turned a corner. Like me, I think she expected Dave to side with her, but good that he had his blinders off and not just helping her and prescribing "beans and rice, rice and beans" for them because she's a woman
He is right to not combine finances because her actions have shown irresponsibility financially on her part.
Agreed. She said nothing about discussing purchases with her husband before spending money. Sounds like she was happy with having separate finances.... until the credit cards were maxed out!
She has debt she shouldn't have, of course the husband doesn't want to combine finances. She can't be trusted with money.
Agreed and it’s looking like things may come to an end with the choices she decide to make from this point forward
She's intentionally comingled funds. He doesn't want a 3-way partnership where she has 2 votes. And she doesn't want a partnership that gives him a veto on her business.
When you are married you are one
@@katemiller7874 You are one...what?
@@csx6910 she probably meant in the biblical/traditional view. If you can share a bed you can share a bank account. OTOH, it sounds like the caller has repeatedly risked her personal life in favor of continuing her business and her husband cannot agree with her financial choices in that arena, so he doesn't want to proverbially give a drink to a drunkard.
She wants to combine finances because she wants a bailout, and he's not stupid
That's it in a nutshell! My ex only knew how to spend money and if we got a little extra money that month he would want to spend it on what HE wanted to spend it on, and it wasn't our debt, and he wouldn't stop harassing me until he got his way on everything! I am so glad I am not married to him anymore!
@@karenjones8713I had the same exact husband. Not anymore, that’s God. Sounds like maybe they were brothers 😂
Why call if you can’t give crucial details? If you are more concerned about hiding your identity than giving necessary information, don’t call a podcast for help.
How long until John asks “do you feel safe?” 🤪
Husband has his finances separate because he wanted nothing to do with this mess of a “business”. It’s terrifying how all of these women that call in think they are entrepreneurs.
The John comments always makes me laugh lol
Women realize that the Dave RAMSEY show has their back!
He shouldn't have married her then
They never say what the business is
@@jerrystauffer2351 some bs like hair lashes nails or some primerica ish
I wouldn't put my money with anyone that keeps running up debt and expecting me to help pay off their bad choices. Maybe the business isn't making any money and was a bad idea....
"I'm not going to give details because then it will reveal who I am." Okay Oprah.
Yeah, I thought, "Ego much?"
I’m with the husband on this. Sounds like she is not good with money and he doesn’t want to carry her all the way all day long.
“Sit him down, give him an ultimatum to combine finances or you’re out”… sounds like healthy advice Dr. John. I’m sure the husband is going to radically change his perspective on sharing finances after that.
him: ok bye
She has the debt not him. Surprised dr john didn't accuse him of being abusive...again.
This lady clearly can’t handle finances. “I did baby step 1 and 3 multiple times.” Skipping step 2 and asking how do I pay down my debt? She owns a business that is losing money and she’s staying afloat with credit card debt. I doubt she has a business checking account. He needs to keep separate to protect himself from her business if it goes chapter 7. There is a ton of stuff she is not telling us about her life and situation.
Husband has sense, wife doesn't. She's pissing away HER $$, he doesn't want to let her ALSO piss away HIS $$!!!
Yeah I can see where poor hubby says see ya, good luck.
She sounds like someone who wants to run a business, but only if she is the ceo/cfo/cio/ manager and everyone else does the nitty gritty and she had no vested interest in what happens when it goes bad.
Hate when people use "their business" as a scapegoat for their poor financial decisions. Lady, you're business stinks and is putting you in debt.
Business is an activity to earn money. Activities that lose money are hobbies.
She says she's done babystep 1 and babystep 3 before, and then she asks how to pay off her debt. Well, that's babystep 2. Sounds like she's just ignoring that step.
I had a marriage like this my wife used to get loans that I didn’t know about while was working up to 80hours a week to pay our mortgage down early after 25years we got a divorce the best thing we ever did
Don't mix or combine money with western modern wives and even not talk about your money and your business. Modern western wives are only temporary unstable untrustworthy patners.
The husband is genius for not wanting to combine finances with her. Theyll be broke, bankrupt, homeless withing days because of her and she'll blame him
I love how they went in detail and real dissected her situation to help her bc a lot of people wouldn’t do this and I love Dave Ramsey show
My wife is bipolar; she's a fruit cake and can destroy a bank account and budget without a moment's notice with credit cards on top of credit cards. There is no way she gets anywhere near the finances, period! I hear it in this woman's voice and the story she tells... and her husband might be a smart man.
The husband sounds like a smart man to me.
He'd be even smarter if he never married.
@@djpuplexwomen should not sleep with any man until he marries her
@@glst1591 Tell them that. That has been a myth as old as time.
A man should pay for a woman's meal until he is sure he is going to get sex. That follows your logic.
It sounds like she's a business owner and when she was successful she didn't want to include the husband and now that she's failing she wants to combine finances
Who said it was ever successful? I didn't hear that at all
She spends like crazy and he doesn't want to be a part of that mess. If her business was going great he would be all about it. Don't give a man an ultimatum unless you're willing to go out on your own with the debt YOU created.
The husband said "Sure honey, you can do your MLM 'business' venture". Here's your starting capital and any loans you take out need to be in the businesses name. I don't want to be financially vulnerable". He could have just told her no, but she's a strong black woman who don't need to be told no cuz the man be keepin her down yo.
"A strong black woman who don't need to be told no cuz the man be keepin her down"! The perfect definition of "Big Shirley"!
Nailed it.
He shoulda chose better.
This is funny "your strongest wealth building tool is your husband's income"? Is that the deal? Does he get to tell her to go get a job, drop this business that's losing money? So many people seem so proud to talk about their "business" when it's nothing but an expense.
The spouse is wealthy and is teaching her a financial lesson. I bet he has bailed her out before.
So Daves not participating in this insanity. Her having debt and a "business" and him avoiding her mess isnt insane. No is a complete statement. The guy said no. No means no.
She's put her business equal to or above her husband. She wants it to be a 3-way partnership, except she gets 2 of the votes (as she's continually comingled funds with her business). He should veto that. If he was a businessman, he'd probably tell her to separate finances with the business and put up a barrier between it and her business.
That's a difficult wall to rebuild. She already put in the starting capital, sounds like she's taken a whole lot of paycuts and additional reinvestments and took on additional debts to make ends meet on that side, she needs to make this business run on its own first and foremost. When it's a stable entity not part of their household/personal funds, then it's a different conversation. If you made good money and want to reinvest, you can sit down and have a financial conversation about goals and plans and risks of investing some money you already paid yourself back into the business, with the goal of getting the business to be more profitable long-term. Otherwise in being a wise entrepreneur, she needs to repay the company's debts and stack up some additional money to make the next big move, perhaps to hire one or more employees to help increase the business's revenues and profits.
The baby steps work in sequence. $1000 starter emergency fund. Repay your debts, every nickel! Then move onto rebuilding the (probably 6-month) emergency fund and investing for retirement. Unless your business can run on its own, you can't retire with it. That means getting it to a place that you have multiple stable employees and a decision-making structure that runs independently of you. And regardless of if that's the plan, you should be planning your retirement with a diverse pool of funds no matter what happens to the business.
How did you get that from this?
@@chazzkramer7676 No means no end of discussion. Guy doesn't want his finances mix with his wife's finances and her 🐂💩 cash incinerator business.
My bad. I misconstrued your comment and somehow thought that you were suggesting Dave sided with the guy. I apologize for my error.
@@chazzkramer7676 NP
She knows why her husband doesn’t want to combine finances…Once she did what she wanted to do and racked up a lot of debt, then she wanted to combine finances
I love the ego that she believes people are going to know who she is
I'm not sure she meant the general audience. She probably meant that people in her social circle, some of whom may watch/follow Dave Ramsey, might.
I bet she has friends who listen. And they probably recognized her voice anyway.
Why call in too?
What if She has Acquaintances watching that show ? Do you know many people who would like to expose themselces ?
Her MLM failed and he's not bailing her out again.
Stop calling this show for relationship advice.
Why don't you just listen, mind your business people just want a little help why be negative
@@Snacks1991 I am minding my business and I do listen. Nothing about this is helpful. Tell me how a man who claims to be so stuck on the bible continuously ignore the instructions that say wives need to follow their husbands and not go outside for understanding?? Constantly telling women theyre right, men are wrong and they should leave after only getting half the story from half the story is insane. Only fools think that's help
The Bible literally says right after that that husbands are to love their wives as Christ loved the church, which means they sacrifice for their wives and give everything that they have to their wives. Maybe read your whole Bible and understand that if nothing else at the beginning of the show, they say that the show is to help people build wealth, the work, they love, and build actual amazing relationships. Regardless of your selective application of scripture, you’ve completely missed the point of the entire show.
@Tylerstrodtman go back and listen to this lady babble about nothing then explain how the hell anyone can conclude hes not taking care of her or doesn't love her?
A 52 year old business owner, with irregular income (probably code for im broke), using credit cards and making irrational business moves is supposed to get her Husband on her program?? Don't be a fool Ty, Bible speaks heavily against being fools. Bible also speaks against debt, Bible also calls the wife the help meet & so many other things we can pull from this.... she's mad she can't get her way & I'm pretty sure if they truly wanted to help they'd listen to his side, understand why & get to the real problem.
How does telling a woman to leave or start making demands in a marriage after she just told you she's moving around goofy helping???
@Tylerstrodtman I agree. Too many read the first part of the passage, but not the rest. They read selectively.
I wish Jade was in on this call. 🤣
Yeah she'd put this caller in her place I believe
A marriage is a partnership. Clearly, they don't have a partnership.
Sounds like a hobby, not a business. And what's with picking and choosing the order of the baby steps? They are numbered for a reason.
Husband is a wise man.
So she got married when she was 42. Her husband doesn't want to give her access to his money.
This woman is the perfect example of a “business owner” who is terrible at business.
Jade would have cut through this clown story
Strong and independent, business owner of yet another worthless, failing business. Betcha any money husband is like there is no way I'm combining finances with this and ruining my life. I'll also venture that he has told her time and again to knock this crap off. Wouldnt it be great to get him on the phone. Oh, the truth shall set them free. And you just know, this business is some MLM scam.
As usual Bologna decides with practically no information, what the couple's problems are and rambles on and on and on and on and on about their relationship. Neither Dave nor Bologna asked her what her business is and why she's been in a cycle of bust and boom
She didn't want to give details she said because people would know who she is😂They know your voice lady!
I’m curious about how much debt she has, and what those debts are.
100%
When she made the comment that she can’t disclose any info because everyone will know who she is, I doubt it.
Ha yeah she probably has zero customers so not a lot of risk there.
I dont see why not combining finances is a huge issue as long you're both contributing and open with your financial decisions
When callers don't get to the point!!!!!
OMG!
I can tell just by hearing her voice that she’s a money pit of spending. Dude is smart not to allow her full access to destroying his finances too
Is she mixing her business and personal together? She said she's done steps 1 & 3 several times, which means she has no discipline. And what about step 2?
I'm glad they came to the husband's defense toward the end of the video. She sounds like she wants her husband to bail her out without making any changes on her end.
I’m pretty sure if you skip steps you’re not doing the baby steps.
After the divorce, wait for the husband to call in and say, "hey my ex-wife took all my money. What do I do?"
I bet this guy is already took steps to prevent that.
John is the only Ramsey personality that Dave doesn’t interrupt.
He doesn't interrupt Jade, either. Actually, Jade is usually the first one to respond to a caller -- she jumps right in before Dave even has a chance to open his mouth.
What is the business? Maybe I missed it, but that seems vital to understanding why he won't combine finances.
I don't understand why she called😂. She didn't say anything
@@bigbillmusic She asked about getting out of debt, but it sounded like she wasn't willing to follow the baby steps. Then again they didn't get into the numbers much
@@linuxsurfer2002 right. Everytime they asked her something, she didn't want to get in details. She just wants them to guess
He refuses because he has probably already told her she over spending and not making enough money and she didn’t want to hear it
the husband should say "BYE FELICIA!"
15 seconds in she tells why she married a genius. Live edit: if SHE was all in, she would not have put her husband in debt through her poor spending. Boom. Mic drop.
In this scenario, the house and the marriage is a better investment vehicle than an ego-drive debt-filled 'business'
If she was making money, she wouldn’t want to combine lol. Shes failing and needs more money.
3 minutes into the video and already can tell she has a listening problem and is dishonest
Didn't it sound like, 'fire on all the cylinders against the HUSBAND bcoz it is the WIFE that came to Dave'?
She is an independent woman… why is she married?
I bet a million dollars her husband asked her not to “relocate” her business.
I'd bet he's seen that her business acumen sucks and refuses to have anything to do with it.
Suprided daloney didn't start with, "are you safe."
or "hey, what is this REALLY about"
How do you 2 know SHE’s not the ball n chain here? What I get here is that she is untrustworthy.
This was supposed to be figured out before They said I do
Sorry she could be the problem. They took her side immediately without knowing the whole story
That's only because they took this call on a day that ended with 'Y'.
Once she said … Hi Uncle Dave
I knew this gibberish was going to go nowhere.
Once again, Dave takes the woman's side, even though she has a falling business and a spending problem. Dave doesn't look at her nightmare life choices...
This is painful....for us!
Are these 2 listening? This is not about her business.
But if it's business debt, he should not help pay that. You don't use personal income to pay business debt.
@Jimmy, who told you that? Is this another on of your "isms"
The SimpMasters blame the Husband... cue my surprise... He won't combine finances because she refuses to accept responsibility for her decisions.
Dave NEVER holds the women accountable.
I bet their house is full of Avon products.
Mary Kay. Pampered Chef. The list is endless!
Summary “I am a strong independent women” lol
She is just looking for someone to tell her that it is ok to want to drag her husband into her financial mess, cue up Dave. I get that most of the time it is best to do so, but in this case she has a failing business, and he doesn't want to be a part of her financial train wreck. Basically she wants someone to blame her husband for not combining, and that's what Dave will always do.
Well no, she actually stood on the premise that her husband refuses to combine finances so how does she alone go about getting rid of her debt. It was Dave who stayed on that track of if your husband isn’t in it, then you’re going to fail. It’s clear that this woman and her husband have financial infidelity issues, but absent of getting all the details about what’s really going on, not sure why Dave either didn’t give her the solo advice or tell her we don’t advise married people on how to live a single financial life and let her go. I sometimes hate when they get into trying to diagnose relationship issues because things are more complicated than a five minute radio call.
I’d love to look at her business tax return.
I just want to watch financial clip about debt, retirement and financial decisions. Some of these people need to not call in and go sit on Dr Phil show
No one except your imaginary unicorn dinosaur is making you watch it.
Hi Dave. Question: why is Megan Rapinoe paid so much?
My husband does not want to combine finances either. When we got married, we looked at both of our incomes and split the bills based on how much we each make. Now, don't get me wrong, but this works great for us and has been working for over 13 years. Now with that being said, my name is on all his accounts and his name is on mine. We also have a joint savings account where we both contribute to it every month. This account is for what we want to do together. Such things are vacations, house repairs, and other goals we want to accomplish together.
She needs to just get another side hustle and do it on her own! Live by example! My parents live in their late 70’s in a financial mess.
I brought up Dave to my mom for guidance on revere mortgages. she’s won’t listen and is stubborn.
She said, “I read his book years ago and don’t agree with many of his ways. it’s easy for Dave with all that money to preach at poor people.”
I told her, “Dave went bankrupt too!”
Total silence and she had to go.
Some people are too stubborn to listen!!
Pride can ruin an entire generation!
Baby step one to three multiple times?It's giving in debt vibes.
talk talk talk talk talk talk .......talk talk talk talk talk talk.......she just resents husband and wants Dave to agree
I do data analytics, and would like to dig into the millionaire survey. The website doesn't give full data, only gives some bullet points from the findings. Anybody know where I can find the full data?
Husband isn’t interested in inviting the cost or hassle of her BS into his life, and I don’t blame him. If she wants to combine finances, she should get her debt situation in order and prove she’s worth merging with.
No, she is likely the one who has not been participating in her marriage- and her husband is Fed Up! She's been dragging him down and he's protecting himself...waiting to see if she is going to be a responsible partner.
Is always has separated financial accounts between spouse!
What happened to the "beans and rice. Rice and beans" Dave?!
Makes me wonder if any of this was discussed before they got married?
So "Doctor" John basically wants her to put an ultimatum to her husband over this? Lol. Yeah that's healthy. "Join me in my mess of a business or we're divorcing!" LOLLLLLLLLLL Jesus would love that.
Did you miss the fact that Delony said several times “I’m not recommending you run to divorce court” shows you listened well dude 🙄
@flashthecorgi2053 I did notice, he said it after he told her to lay down an ultimatum. Like he realized too late that he messed up. He needs a better filter between his brain and mouth. There is no way this ultimatum is inline with the teachings of Jesus Christ of Nazareth.
@@robloxvids2233 ultimatums don’t always have to end in divorce! Don’t just assume that!
Combining finances IMO is a horrible idea bc if you have a spending problem a bigger account with more money creates the illusion there is more money
It’s called open communication, discipline and trust. No wonder the divorce rate is so high. Spouses can’t have tough conversations. Amazing…
@@TheOne-vf2yw combining accounts has nothing to do w/ trust. Discipline is individual not team oriented, if you cant manage your own money, u definitely not managing a bigger account w/ everyones money
So here's the backup plan: comingle funds within the marriage. Keep the pre-marriage assets entirely separate. The only exception is if the home you live in predates the marriage, in which case you should have had a conversation about it pre-marriage to decide how to divide that expense. Or rent it or sell it or run it separately with your pre-marriage funds.
Husband said he ain’t going in debt for her as 😂🤣
She is talking a lot to not be saying very much.
PERFECT DESCRIPTION!
@@TheSonyExperience Verbose
First off this lady needs to replace the battery in her smoke alarm. 2:08
That says a lot.
😂
He’s probably not living in that house
Yesssss John!!!!!
Divorce that man ,ASAP!
Why do people get married before getting their finances in order? Sounds like this marriage is in trouble.🤔
"What's your question?"
"What's the best way to pay off debt?"
"Your husband is a jerk - divorce him."
"Wat."
2 mins in and had to close the video
Whiplash?
Combined income or divorce? These guys are hardcore. Life isn’t that back and white
They didn't even mention divorce.
6:13. He said im not telling you to run to divorce court. However the undertone was there the whole time. They implied the guy was the issue and she would need to make “tough decisions” Anyone who is listening can easily see that.
he dont want to combine incomes because she is always in debt and always will be.
She's the problem.
Lots of assumptions about the husband in this clip
@@TheAck201 lol it's like watching Maury
John wastes no time, racing to blame her husband.
BEEP! in the background
Sure, it could be because the husband thinks the way she runs her business is dangerous, or unprofitable, or both. But it could also be, maybe he is planning to leave the marriage?
God I'm glad she's not my wife!
It's the biggest favor she could do for him.
So.... this is not the first time she has been in deep debt. And hubby refuses to climb onboard this train to hell. I would like to hear hubby's side. Bet he could tell it quite succinctly.
She’s not giving straight answers because most likely, she’s part of the problem 🤷🏾♂️✊🏾