This Was a Bad Idea!
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- Опубликовано: 29 авг 2024
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Dude checked out the moment she mentioned selling his truck. 😂😂
When you have been with your "fiance" for twelve years and you have kids together, you have not been very intentional with your life.
He’s 100% not selling that truck and getting out of debt, and he’s never marrying the mother of his children. What a shame
I’ve been with my guy for 9 years. Last year we bought property together and for the past couple years I was picking up a lot of the financial slack while he started a business. I mentioned it in a comment on a Dave Ramsey upload and people tore into me telling me how dumb it is to not be married at this point. I brought the comments up to him during a fight and we ended up getting married this past December 21st
Congrats!
@@breezyveezy1 thanks 🥰
Married because of a fight! LOL. Usually people wait until AFTER they are married to have big fights. Anyway, congrats.
@@Fred2-123 thanks 😊 it was so funny because I brought up the comment thread and accused him of avoiding marrying me all these years and he denied it. Then I was like “fine let’s go to the courthouse right now!” And he was like “fine let’s go!” But on the way there we made up and got really excited about it. And he said “I never thought I’d get married out of spite” 🤣 we couldn’t be happier about it though.
If he were injured, you were not a family member for visitation or a spouse to give care instructions - you had no rights - nor he in the reverse. Congratulations on a sound result!
What's the point of this guy calling? His ego will not allow him to sell the truck.
It's because no one is picking up at the "Jerry Springer" phone number.
And there seems to be more callers without real financial problems who probably should be calling the program "Cheaters".
$835/month for a truck?? Dear lord.
Apparently that is becoming common. Think if he was investing 835 a month. It is so clear why people are flat broke.
But there’s no money for a wedding. For 12 years. 🙄🙄
Our first mortgage payment in 2008 was about $895. I can't imagine paying almost that much for a car payment!!!
Some people are so dumb!!
That’s just how much new trucks cost now.
If he "needs" a 40k truck to make 80k (gross) per year - he needs another job.
He didn't just now buy it, either. It was likely closer to $60K when he purchased it.
Let them eat cake, huh? Welders, oil field workers, farmers, contractors, and any number of blue collar workers that you need more than they need you all require ridiculously expensive work vehicles to do their thing.
@@austinhuber3131 Not on their own dime. Those are all paid for by the business. He certainly doesn't need a $60k truck to drive to work.
@@austinhuber3131 No they don't. They absolutely do not. That is 100% wrong. Thats just what immature and irresponsible guys tell themselves to justify taking loans on fancy new trucks when they have big paychecks burning holes in their pockets. Yes I do have firsthand experience in the industry that I don't feel like typing out, before you try to say I don't know what I'm talking about.
@@jimroscovius No they aren't. Not if they're an independent contractor. Many of the jobs I listed are, not that you'd know.
Forget a 23,000 truck, get a $15,000 van and pop the back seats out. I bet the most he ever hauls is a few boxes and planks…
Good idea
Jade is my favorite; she comes across as 100% genuine and relatable.
I’ve learned so much from her 🥰
Why would you buy a truck that’s half your income? Who you trying to impress?
Even worse. After tax it’s more like 2/3 of his income.
The "Jones".
A $40,000 full size truck is cheap in todays market
His neighbors
Who said he was? You're just parroting Dave Ramsey. Try an original thought buddy.
He is married...to his Truck.
His "fiancé" is his side chick.
😂😂😂
Jade is a gem man such grace when she speaks
I agree! She’s amazing 💖
City Hall wedding. Together for 12 years + 2 children? Get married. What he's doing is inexcusable and disgraceful and shows the woman he's with absolutely no respect. Get married. And - learn financial responsibility.
City Hall wedding. Together for 12 years + 2 children? Get married. What he's doing is inexcusable and disgraceful and shows the woman he's with absolutely no respect. Get married. And - learn financial responsibility.
So he is supporting a family of 4 and still thought it was a good idea to buy a $40k+ truck? 🤦
He’s not gonna sell the truck. It’s obvious
Guarantee a Honda fit would be more practical for most of the good ol boy truck owners lol
he needs his $80k truck to make $40k/year. 😒
@@hassandawudi4810I like how you lied to make ur dumb comment sound better
Very ignorant behavior to not marry your housewife because the state and social security administration will throw her under the bus when you die and she'll be fighting your parents or siblings for anything you owned.
Look. My sister just split from her partner of 15 years. Either get married or keep finances separate. Good thing they kept their finances separate is all I'm saying. She was able to make a clean break...
My SIL, 25 years and the "BF" dies,
$1000/mo at 62 NOT $2000/mo at 60, SSA
BF made bank.
If he wanted to marry her he'd ask. If she wanted him to ask she'd insist.
@@aolvaar8792what????
I feel like the more I learn about our country's low income people, my anger grows.imagine
Investing $1,500 and receiving $9,300 proflts in 5 days. 😇 Thank you Ms Maureen Toledo, the lady you recommended here sometime ago.
I withdrew my profts a week ago, it was so shocking when I withdrew 8,000 knowing | started with 1000, I wish I could Invest with Ms Maureen forever.
I am grateful to her. though I started with as low as $1,500 actually because it was my first time and it was successful she's a great personality in the state..
SHE MOSTLY INTERACTS ON TELEGRAM!
Maureen Toledo….
Maureen _Toledo….
The man is drowning in a sea of his own bad decisions.
Been together 12 years, they have absolutely no intention of getting married. Depending on the state they were in, there are very little legal protections in getting married now. However, there are a lot of financial and legal pitfalls that come with marriage they aren’t facing now.
Seems like his company is taking advantage of him. They should either provide or pay for his transportation. If they were giving him the IRS mileage rate of $0.67/mile and/or a monthly allowance, fuel, etc., that would change a lot about how much the truck actually costs him.
I was thinking this…why is he using his personal truck for work travel? The company should have given him a work vehicle
Show: Sell your truck
Caller: Absolutely
Next Day: Keeping my truck for my livelihood
😂😂😂facts
Right on in the wrap-up Jade! I know of so many women of all ethnicities who have been left raising the Children when the Guy just up and split. Not married...no legal recourse.
mostly blacks
Sounds like his bigger problem is his personal life. "part of the debt is fiancee's and she's not chipping in."
She needs to get a job. And pay off her debt. You can’t have a credit card and no job.
@@kpeggs82 my wife and I do,
we're retired.
I'm sure you don't have a problem with him helping her.@ericabrown7354
Been together 12 years, has 2 kids, but she's still just a "fiancé". DUDE! Sh*t or get off the pot!
Sad but true.@ericabrown7354
But if he got married, he couldn't afford the truck.
He's got his priorities in order -- wonder if she's willing to see that?
Doubtful.@@steelcastle5616
@@steelcastle5616 He can't afford the truck, married or not.
@@linuxsurfer2002 Regardless of what he could afford, he chose to pursue the truck...marriage not so much...
I could afford to pay cash for a new (big) truck, but they make me cringe with the prices they are fetching. This clown went deep into debt for one.
I am protesting new cars. Prices of vehicles are ridiculous.
They've got money woes and the woman wants a fancy wedding? Major change in how they handle their money is required. In 1981, my wife and I were broke when we got married. We had the wedding at a friend's house and had a small guest list. We're now debt free and still together 42 years later. Never got around to having the fancy wedding.
Americans love their wheels.🛻
I don't know what game this guy and his "fiancee" are playing, but someone needs to get serious. They need to care for their children, let alone get out of debt.
Agree go do it real quick and celebrate when you’re in a better position to 🎉❤
This guy just loves debt. He isn’t going to do any of this. And where is money he wasn’t paying since he wasn’t paying his debt off?
How is he going to get a $23,000 truck after he sells his $43,000 truck that he owes $43,000 on? He can't pay cash, and he probably won't be able to get a loan because his credit is bad bad bad.
Agreed. If he uses the truck for work, he needs something reliable. A broken truck on the side of the road in the middle of nowhere is not the way to run a business. Just keep the truck and pay it off.
That was my thought.
And how can he pay off the remaining 40k in 1 year even without a fiance and kids he's paying for making only 80k
Yeah, they thought he was just going to automatically have $835/mo freed up to pay other debt. They completely forgot about him having to buy another cheaper, yet very reliable truck. Which he’s about to have a very hard time doing since defaulting on all his other debt at the advice of the credit counseling company. His credit is trashed because of that.
My partner and I lived together for 7 years but when he had a serious head injury and was hospitalized, the doctors wouldn't talk to me.. Only his mother and sisters could make medical and legal decisions. I went through Hell on earth. Even if you don't plan on having children, get that legal protection at the Court House. The fancy reception can come later
Love it! Jade and George, best team.
My wife had a similar view on vehicles because her father traded vehicles often. I talked her into buying a used Toyota Sienna van with 30k miles early in our marriage. Fast forward 8-9 years. The van has over 200k miles, still drives like a car with 50k miles and has only needed basic maintenance. It has changed her perspective on the need for new vehicles. She also has realized the benefit of having no car payment from the experience.
A ten year old diesel work truck with over 100,000 miles with is 25k-30k and even more depending on where you are. You guys are out of touch with the working class. There's a very good chance that his truck is what he needs to stay competitive in his work.
If he just an employee, totally agree with their advice. If he is starting his own business then truck is an expense he can write off and business might take off. Ramsey teach how to be debt free so they strongly against any leverage even it is to help you build wealth.
I have a coworker that bought a Audi R8 SUV and her payment is $1055 monthly
Hmm...his credit is now trashed so he can't even get a loan for a 20k truck for much less than his current payment.
People will spend more money on making their cars look better than paying off their loan. Then ultimately gets repo-ed anyway. Smh bots
Ok, but has jade tried to buy a 20k work truck recently? Lol we shopped for MONTHS to find one that didn’t need work…
He needs a change but… also the assumption you can buy a cheap work truck …isn’t easy
Have you tried either? A quick search online can find lots of late model trucks for under $20k that have under 50k miles.
@@sumerianbotfarmyeah but that doesn’t have sweet life kit and a luxury cab and a sexy big hot premium make on it, it’s just gonna be a little mini pickup truck. Doesn’t make the caller feel like a big man at all!
@@sumerianbotfarmyou literally just lied lol you ain’t finding a truck under 50k miles for 20 you get a truck with 210k miles for 20k
Putting a ton of miles on that truck, depreciating quickly. Company should pay more, provide for transpo or get a new job.
Love these callers, every time they get an answer, they want to debate it. Also, if he's using his personal truck for company use, those miles should be billed a 67 cents per mile on your monthly expense report.
All these type videos should just be titled "MUH TRUUUCK."
He is definitely not selling that truck 😂😂😂.
Needs to down grade on the truck, but what happened to the 5,000 vehicle demand?
Jade exposed the real reason why women want to get married, to get your cut lol. Now that is encouraging
when these people say "personal loan" what exactly are they talking about? how are you going out borrowing tens of thousands of dollars on a personal loan. what are you buying that you need to take out a loan that big? if you need that much money to keep yourself afloat, thats a serious issue and borrowing money isnt going to fix that. i understand the death by 1,000 needles with credit cards slowly building up over time, but i cant understand taking out 20k in a lump sum personal loan to pay for something you clearly cant afford
truck is his baby..he's got plenty of other excuses for keeping the truck..hope he makes it.
Empty truck bed 99% of the time; I know these people well.
80K income people should never spend more than 20K for a vehicle and 10K would be better.
His truck is now 3 years old and he must be way upside down.
Sign on to debt relief and stop paying your bills buuuuuuut I need this truck 😂
I really don't think he uses the truck for work. I think he was saying he got the truck for the warranty bc he travels for work.
He is probably already at least 6 months to a year into the debt settlement program. He would be better off canceling his engagement with that company in writing and then negotiating the debt down himself. It’s hard and can be annoying, but the damage is done already.
Why is the company not giving him the truck?
Costco pizza, Costco cake, LOL!!!
They don’t understand. He NEEDS the truck for work. He needs it. He can’t work without it.
Don’t do it!!!
The advice hey give sometimes will cause breakups. Imagine a guy with a kid and gf says "honey, these two dudes on the phone told me that we should keep our finances separate".
He would be kicked out faster than he could say "baby no..."
😂😅 my husband wants me off here 😂😂
What Dave would say is to get married this weekend, and if either one is against it, then getting kicked out is probably the better outcome.
"Honey I'm scared. Why are you laughing?"
the best outcome for people that already have children? thats foolish. They can merge there lives without being married if marriage isnt what they want
@@BrianW211
I think I'll have hamburgers for dinner tonight.
They ain’t wanting to get married so they can get that 15k back each year in taxes. Kids get free healthcare WIK I mean all sorts of benefits. You get married you don’t get any of that. Only in America when you do the right thing you get bent
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Same here, I've seen a lot of recommendation about Wayne Gorman, is he really that good?
Yeah, I have been with many other Advisors before I met him. He's THE BEST in this business. I don't know how I can thank him for all that he have done for me and my life, i cannot thank him enough. Though sometimes I believe that he is 'supernaturally superior' in his analysis, it is his human-ness that I have come to admire the most. Most importantly, the fact that he sincerely and genuinely care for the financial well-being of investors like us - that is astounding and touching. Wayne Gorman is a huge gift to me and my family.
I was owing a loan of $32,000 to my bank for my son's brain surgery,
now I'm longer in debt after I invested $10,000 and got my payout several times for the past two months.
God bless WAYNE GORMAN
I don’t think he’s hauling anything in the truck but hisself😆 Love Jade’s sweater! Why didn’t they ever finance a wedding, as they did everything else?
I just bought 2 good used cars with cash
1. Honda CRV - $17,000
2. Toyota Sienna - $19,000
I expect to have them for 10 years.
You hear the last 15 seconds. "Get married, get the piece of paper so if something goes wrong you can get your cut. come on ladies". This is why I'll never marry. It's premeditated divorce in-bread in these women.
They basically told him to sell his truck and get a 20k truck. Where is he getting the 20k from? There is no way he will be able to come up with 20k in a month. Unrealistic advice. They also said that he would pay off the debt in 1 year which is not true.
Calling in was a bad idea.
I might agree that, with being together for 12 years, it might be time for the next step, but… there is no legal protection for the male in the current marriage iteration. The telling part is the law three words that Jade said… “Come on, ladies”. All the protections are for the female.
?????? no legal protection for the male?????
Defined Benefit Pension, fully survivorable
retirement healthcare
SSA survivor benefits
community property, double step-up in basis
......
If they aren't married and they own property together (car, house, et al) if she dies, instead of getting the property in his name, he now owns the property with her mother. He also gets protections under the law if she dies regarding custody of the children and death benefits he might be entitled to as a husband, but not as a live-in boyfriend. If she gets seriously ill and is in the hospital, he has all kinds of rights as the husband to make decisions concerning her medical care. As the live-in boyfriend, he has no rights -- the hospital will look to next of kin, which is probably her parents -- and if the hospital's policy for visitation is next-of-kin only, he won't even be allowed to get in to see her. These are just a few of the rights he'd have as the husband, but nothing as the live-in boyfriend, so *without* being married, he has no legal protections.
@@AllynHin Property TITLED as Joint Tenancy with rights of survivorship.
If she dies>> title transfer to him alone.
Who titles as Tenants in Common?
If he is on the birth certificates as the Father>>He's the father.
a will and /oradvanced directive can solve all that@@AllynHin
I 2nd that
downgrade the truck and get married
A bad marriage will follow you longer than a bad truck.
Also, you can fix a bad truck much easier.
Pay $60K for a $50K truck and then sell for $30K,
THEN pay $30K for a $20K truck.
A $40K "loss" to drive a $20K truck
But Payment now ~$250/mo
Also google, Rule of 78.
At this point, it may be a principle only loan (no interest)
And find a new job
He is broke. He have no money to pay off the truck, to pay it off. There's really no point in selling it, just to upgrade the trunk later on.
If he's hauling construction materials, he may need this truck for the towing and weight capacity.
He's probably hauling supplies if he is opening stores. He's not building them.
@@DoctorSmartyPants He can be doing construction.
I’m on my last debt to get out of baby step two my truck regular payment is 969 a month I’m trying to do 3000 a month minimum can’t wait to pay this off
She says thanks alot
He's in a ton of debt, and he buys an expensive truck with a huge payment. Some people aren't the sharpest cheese on the cracker!!
Because you're a GC Welder (traveler) and have an RV trailer (home) to move every 45 days.
Company provides Free site and hook-ups.
16 hours/day for 45 days, no days off.
then 45 days off, with GF and Kids.
repeat
In the 1990's, it was ~$180K/year
11 sites in Central CA.
So get a 2000-2003 GMC or Chevy 1500 or Suburban with under 150k miles. It will be like $5k. Have a mechanic shop do a pre purchase inspection for like $150. It will pay dividends. If you really want get a warranty but you shouldn’t need it. 👍
A car that old would not be reliable enough to drive long haul across the country.
@@bebop504 BS I do it every week in a 2000 Suburban with 190k miles, no issues. 👍There are certain vehicles that have a proven track record & were built to higher standards than today. Like 2007-2010 Toyota SUVs especially Land Cruisers, Highlanders, & 1st generation Tundra 2000-2006. Buicks 96-03 with the 3400 or 3800 V6 engines. Toyota Corolla & Lexus of similar models in the early years. Reference the Car Wizard for more. 💡
12 kids and 2 years of dating and they’re EnGaGeD🙄12 years?? Ridiculous. Should have been married about 7 years ago, if not more. No way he’s selling that truck either.
At least they let him talk. Obviously John is not there, nice.
It’s not about the wedding. That’s an excuse. She doesn’t want to get married.
Little boys and their trucks.....
Financial protection with marriage? There's a lot more Financial liability than protection with marriage.....especially for the man.
Please don't procreate. Real men take care of and provide for their family.
I love their way of thinking so he sells his truck. Then he has to go get a super high interest rate on half the truck that he has now.
Because his credit is in the tank. He should just keep the truck. He has and pay it down as best he can. Selling it to just buy a cheaper one at a high interest rate and then buy another. One later is just moving shells around
Creeps and thieves
If he was to go to a car half the price, but finance it correctly, he is likely still looking at a 700 dollar a month payment, because he has no money, likely doesn't have great credit, and only has, at most, a few thousand saved up because he has a massive payment. Going to half the truck, like the suggest, is not really possible
SHE MIGHT HAVE CHEATED ON HIM IN THE PAST AND HE KNOWS THE GUY SHE CHEATED ON HIM WITH BUT HE'S NOT CERTAIN THAT'S WHY HE'S HASN'T MARRIED HER YET😏🤔
He needs the truck so he can pick up strange woman while hes out on the road
In the beginning. I have a truck. Very much to wards the end. I have a partner and 2 kids with her. ....... priorities !
This dude is like so many guys (yes, there are women who do it, too, but tends to be a guy thing) who are just absolutely CONVINCED they need a high-end truck for their work. Fact is, if your employer is requiring you to have a particular type of vehicle or you have to use it for work purposes, like hauling things or extensive traveling, then they should be paying toward it or providing a vehicle.
BTW, I'm not talking about business owners or contractors, although they do tend to overdo on the trucks, too.
one of my very best friends got married this year after 20 years together. I have no clue why it took so long!! lol
I don't see him selling the truck because he can not work without it. Plus, he doesn't have cash to buy a cheap one. He just needs to get a second source of income.
Marriage for financial protection?? What world are we living in, this is no Pakistan
I didn’t understand what he meant by that unless they’re talking about the woman.
@@blackworldtraveler3711
My former employer offers Free lifetime family healthcare to a Spouse in retirement.
My wife and I have fully survivorable government pensions.
Community property, double step-up in basis, no taxes on transfer on death.
(we live in a community property State)
SSA survivor benefits
....
If he is using the truck in his work he can take depreciation on it. But if he sells it early, then he has to pay back that depreciation. It's called recapture. If this is the case, he can't gain anything by selling the truck. I don't think he will,anyway. That debt relief company is hurting him a lot more than the truckm
Good luck getting a loan to purchase a $20k truck with tanked credit. I also don’t get Jade saying to put aside $20K to buy a new truck. He has no money…
I was good with the advice until they said hurry up and get married...after 12 years and 2 kids he hasn't proposed and all she's worrying about is a wedding party - neither of them want to be married.
I knew what the first comment was before I saw it 😂
none gon give you 1 cent extra because you're destroying a 50k truck instead of riding out a 15k truck.
No Body
Dude, get married already. Even if just going to the magistrate as you can not currently afford an expensive wedding.
Men and their trucks.......LOL! My feeling is that most guys would consider a divorce before letting their truck go :-)
He put his truck first before improving his life 😂
What if some people dont want to get married so they dont have to give up a cut?
$43,000 FOR A VEHICLE is NOT unreasonable IMHO.......not in 2024. At some point, even people in debt, NEED something that they like to use every day.......... Geeeeezzzzzz. EVERYONE needs a SAFE VEHICLE to use for work every day. Refinance the truck and cut back else where
Only problem is safe vehicles do not exist.
Heavy Duty trucks are over $70,000 now. I understand if you can’t afford it you shouldn’t buy it but all these comments saying “I paid $5 for my vehicle!”
Times have changed. It’s not 2015 anymore. $900+ truck payments with prime credit at todays interest rates are extremely common.
And before anyone says anything, no I don’t have a car payment. I’m just stating the market.
Bet ya he wont give up his truck