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@@kelsiemitchell8499 true
I was kind of triggered by the start of this comment. There have been so many ads starting with "Say goodbye to debt forever"..... and talk about taking out a personal loan to pay off the debt. What is wrong with these people?
sorry dave this is the only time I do not agree with you and I cringed at the fact that you got angry at her and not at the caller as well
Whoever runs The Ramsey Show - Highlights
Please tell Dave that’s it’s almost impossible not to go into debt for Medical School! Dave needs to realize it’s EXTREMELY Hard to do and your not allowed to have a job!
I think she like it’s my money and that’s your debt at this point.
Exactly...he doesn't have much leverage to be making any decisions, with her being the bread winner and all. And at that point its more of a marriage problem.
But that's the problem right? They're supposed to be a partnership and it's their money. She got into the marriage knowing she was going to make more they have to work together.
@@fernando3061 True but maybe she didn't know he had all this debt. Or that he was depending on her to pay it.
@@greenfly0917 Yea, Like Dave said definitely something they should have figured out before getting married. Perhaps he didn't tell her? That would have been a nice detail to know.
It should be OUR money and OUR debt. That is the problem. She shouldn't be feeling like it is her money
$134k to be pastor. This country has some serious soul searching to do.
The student loans were for the surgeon's student loans no?
I thought he said they were his loans
@@glennchamberlain1737 no they’re all his lone hers are paid off.
If he need a degree to be a pastor! He does not have the "calling" to represent god. Just an excuse to not work!
That is so sad, and even worse when you think the main way for him to pay them off is through the churchgoers tithes and donations. It should be illegal to give student loans to future pastors. This type.of lending makes a mockery of so many good things.
Wait, she’s debt free as a surgeon?! That’s very impressive.
She's a surgeon with no school debt of her own. She's clearly not opposed to paying down debt.
Probably a surgeons daughter and had all her schooling paid for...........just a thought
They’ve been paying down debt for 16 months. So why stop now?
She doesn’t see it as their debt. She sees it as his debt.
Not getting that vibe at all. Did he ever say that she didn't want to pay his debt off? Nope. She just wants to do multiple things at once. Let's not attribute malice to her that doesn't exist.
Came here to post this. I've seen this dynamic at play too many times.
@@colin1818 It’s not malice for her to see it as his debt. When it’s “our” debt there’s a greater sense of urgency to clear it. She may think this other strategy is better because she doesn’t see it as a major problem/his debt.
@@fenderbeen - Again, I see no indication that the fact that it's "his" debt matters. This is just people projecting. She might not be worried about paying off ANY debt. The fact that it's his or hers matters not.
Again, the malice is thinking that she has something against him for bringing the debt into the marriage. There is no evidence of that. He just says she's not worried about paying debt in general.
@@colin1818 I think you may have misunderstood what I was saying. I’m not applying any malice to her at all. I don’t know how else to explain my thoughts so I’ll leave it there. I thought it was clear that it doesn’t seem to bother her that they have the debt.
Roland is about to get dumped.
She might end up having to pay through her nose if they get divorced tho.
Cheaper to get rid of now then later!
@@TheAgentmigs she's a woman, she likely won't have to pay anything.
@@CurtMortis nope she will have to pay. It’s whoever is making the most money and has the kids that will pay. For sure! So many women pay alimony.
She found a new doctor
I know they’re married now but I think this lady is actually pretty good with money. She’s making 340k with no debt and her husband has no money with 140k in debt. It seems like he’s the one making bad financial choices because why would your student loans be that high for seminary that seems ridiculous.
Perhaps, but SHE married the man assumingly knowing that he had debt and no income. She shouldn’t get to lord her income over him anymore than a husband in the same position should.
And went to medical school with no debt
Or they paid her debt off first since they’ve been doing baby steps their entire marriage...just a thought
@@felisleo101 Don't assume she is lording over him just because she doesn't agree with paying off his loans. He should have some skin in the game since he created the debt. Why doesn't he get a job and help her pay off his loans?
Haaa imagine a man making 340k refusing to pay his wife’s student debt.😂. Obviously she has no interest in paying his debt.
This isn't a finance question. It's a relationship question and it's gonna end badly for the seminary student.
I could not agree more. She out guns him in earning power. In addition, she has access to higher earning male professionals in her every day job. She is going to leave him eventually. Honestly, I am not sure WHY she said yes to this guy in the first place.
When you get married you are one and God should be first and your marriage NOT MONEY
@michael smith I know it is cold, and it sucks that it is a reality. But in the end, when a man does not measure up in a woman's eyes, she will leave him.
@@theflyingsmiley01 if she divorces him, will he not get alimony?
@@justmepraying I agree but the divorce statistics amongst Christian couples is just as abysmal as in secular couples.
This is a marriage issue, not entirely a financial one. She's the bread winner in this situation and doesn't feel like he should be making the decisions...especially with the amount of debt HE'S in.
Nailed it. The financial planner is doing what benefits HIM and she's allowing it to happen. Her priorities are out of order as she's putting the wishes of the financial planner ahead of her husband and their previously agreed upon plan. Priorities for a couple should always be God; spouse; everything else.
@@GaryCameron780 100%, my only question is this is the couple believers? If not, I wouldnt be surprised that she dumps him and lets him fend for himself. Marriage vows mean next to nothing if you don't have a connection with God. He might be a seminary student but her choices arent prioritizing the marriage or God's intent for a healthy marriage.
@@Jon-op1pr Why do you say it is her choices that aren't prioritizing the marriage rather than his choices?
Actually, it entirely depends on the state. In divorce, some states separate assets AND debts (so the debts are joined at that point), while other states are more fair. Don't marry in a community property state.
@@Jon-op1pr She wanted a husband not a dependent! He should get a job and put something toward the mess he made.
Wife earns a motza, hubby earns zero, but insists his debt is paid off immediately above all else. Wife saw a 'financial advisor' without hubby. "Financial advisor" says do not pay off hubbys $140k debt even though you can pay it in less than a year. Yeah, the finance advisor is actually a divorce lawyer....
Exactly.
🤣
@
Andrea World
I think she has I foot out the door already. She probably, maybe also saw a Divorce lawyer without hubby too.
The guy is to blame in this. 134k in student loan. Studying a financially worthless sh*t.... how is he planning to pay off the debt.? His wife? Thats a sound financial plan, if you were to ask me
Yep. And if she’s getting out she better do it before they’ve been married long enough where he gets half of her money.
He’s 130k in debt and makes no money and she makes 300k+ and has no debt yet Dave is mad at her
Yes, but that is because Dave recognizes the fact that marriage is more than being room mates with rings.
@@felisleo101 yea but he should at least get a job to help instead of expected her to pay half her yearly salary on his debt
Dave’s mad because someone did a great job without following his plan.
@@wendytravis6427 Both she and her husband followed Dave's plan.
That’s what I’m saying 😅😅Dave shouldn’t be mad at her
How is he "like a gazelle?" He wants her "like a gazelle" but how is he "like a gazelle"? He has no job, pays no bills, and lives off student loans. He needs to worry about himself instead of his wife. He needs to work.
Exactly!! There is nothing "Gazelle" about this caller at all - he's piddling away time in seminary school still racking up debt.
@@arthrodea I suppose he's like a gazelle in a way. There's a big lion called a divorce attorney ready to eat him up.
@@aroff595 he can avoid that lion. He needs to get his nose out of the books- learn to swing a hammer in the morning go to school in the afternoon and then delivery pizzas at night. It isn't about who makes more money - it is about gumption and work ethic.
@@pimaggot I agree that he can avoid it, but nothing about this call leads me to think he has that type of work ethic.
@@pimaggot what would be the point of him delivering pizza if his wife is making 340k a year. They have all the money to look after themselves, when he's done with school then he can pull in money.
DAM!!! she is making $340K and you are a student.
Sit down and do as you are told and hope she does not leave you.
@@queenmadison9943 That's why she hired a financial advisor.
@@philliplord6332 you're right I wasn't really paying attention to the video. Thanks for the heads up.
🤣
😂😂😂😂❤️❤️❤️
LOL!!!
Something tells me calling her “stupid” probably won’t help the situation
@@HWEWSWEW yes...the way you worded this....
And honestly, he doesn't have any power in this situation at all. He's the one with enormous debt not making anything, while she's the one with a huge income. She feels entitled to call all the shots because of this, and it's hard to say she's wrong.
I wonder if was in school before they got married or did he start school after they got married. I wonder if it's possible she told him it was nuts to spend that kind of money on that degree but he insisted that it was a good idea. Now she's saying "you wanted the debt, you pay for it".
On the other side, how many women get married to guys who make more after racking up tons of college debt and expect the guy to pay while still having a say?
Overall, this is clearly a marriage issue.
@@Excalibur2 that’s men’s fault.
@@Excalibur2Yep. And they collectively tell the guy to pay off her debt. Because they’re married.
The caller is married. They still have $134k left to pay off.
Get her on the show! Let’s hear from her too.
Yep
“I spent 16 months off my student loans and now I want to buy a house. I’m leaving money on the table by not contributing to 401(k) and the time to buy is right now! Screw the rest of the debt. It’s just HIS student loans. I make the money and he doesn’t get a voice.”
Sound good?
Yes, it does actually. Getting on the housing ladder is hard money is going down the drain if you rent, and they may need a better property if they want kids. Also it sounded like he wasn't finished at college so maybe future addition to the debt. I think they need to meet and discuss why each thinks the way they do and what their aims are, pray and find a way to move forward together.
I think if I were this guy's wife, I would agree to Dave's plan, but only if dude stops being a student and gets a job working 50-60 hours a week. Dave's advice only makes sense if the debtor experiences the pain of their dumb choices. Dude wants to go "GAZELLE INTENSE" with her money while he continues doing whatever he wants.
He’s on the process of becoming a pastor. But I do agree he needs a job
I think the counter to that argument is the fact that its not only her money. Its his money too. Therefore he wants to go gazelle intense with their money collectively. But I agree with you that she likely sees it as her money. And that is definitely part of the issue.
130k for a pastoral degree is just dumb! It’s his dumb choice, he needs to suffer the consequences, not her.
@@dargosinger He wants to attack the debt like a gazelle but makes zero. Nope dude needs a job plus some serious overtime. It's time to man up and make some contribution.
@@suzwaful1 how is going to seminary an example someone not manning up? He's getting an education and following his dreams. Men who don't follow their dreams are losers IMHO. How can a woman respect a man who comprises on their own goals. But you are probably a broke person too just like that other guy in the comments.
She makes $340K per year and has no debt. He makes $0 per year and has $134K in debt. I think this woman will be leveling up soon.
She's already looking at next branch to leap to I can promise that.
Enters the financial advisor....
@@antonyyang3937 over and over again.
Wouldn’t she have to pay him spousal support?
Oregon is not a community property state. HIS DEBT is HIS DEBT, even after a divorce. It would be way more unfair to her in a community property state.
How was this not discussed before marriage? Someone wasn't honest
I feel like people let their hormones take over before they can use their brain when they marry someone. Smh
Their religiosity got in the way of common sense. Other people would have just been able to have a physical relationship without the high earning spouse having to subsidize the misguided seminary's student insane student debt.
They were on the same page, he said that. Then a financial advisor got in her ear and changed her mind...
Maybe he also started seminary after they got married. So, she agreed to do go through that with him. At least in a good marriage that would have occurred. Now the advisor is chirping in her ear and giving her bad advise. Not that he was dishonest going into it.
@@matthewgardner2144 - Not sure what your issue with religion is.
Dave took this one personally lol.
Lol, the crossover no one expected! Love your fitness videos brother
Do not be fooled...Dave sucks!
So would you if someone said the way you approach training sucks
As someone in the medical profession, they forgot to mention that we are able to always make money so sometimes we don’t respect it as much. Many of us can work for multiple hospitals and also have our own practices that allows us endless streams of cash flow to come in. Also another important point is that many of us feel entitled to have certain things because we “earned” it. We have worked so many years in school studying, so after graduation we feel like we deserve to enjoy the fruits of our labor. Unfortunately this also puts us in debt and and endless cycle of living above our means. Just some food for thought of why the medical profession is some of Dave’s most difficult clients.
@@michaelpalumbo4880 everyone is savings someone’s life if you look at it in a certain way
Read the book "The Millionaire Next Door." Physicians feel a need to show their status since they're surrounded by other Physicians also showing off their status. Their cost of living is very high because they're "expected" to be loaded and show it. As a result they're almost always under-invested and have little actually saved.
@@michaelpalumbo4880 Suicide is the 10th leading cause of death in the USA. A pastor can save these people's lives, whereas, a MD cannot.
@@michaelpalumbo4880 - Nobody says that doctors don't make loot. They just don't keep as much of it as they should in investments. Lot's of studies represent this. Too many examples both anecdotally and in deeper research that demonstrate this point to just be a conspiracy.
@@michaelpalumbo4880 - "What moral authority do you have to tell someone else what to do with their money or chattel property?"
This has got to be the most over-the-top response I've seen in a very long time. What are you even talking about?
Sheesh, everybody is absolutely desperate to be a victim these days. You really should be embarrassed.
It’s easy to tell a couple making 30k each to combine incomes to pay off debt. That argument has no leverage when one is making 350k. She doesn’t need him. He needs her.
True but they’re married so she ought to help her husband pay off their debt unless those vows don’t mean anything to her. She must’ve known she would be making more than him. Unless he was dishonest about his debt situation but even then if she’s not going to divorce him she then she needs to move on and get with start tackling the debt. Feels like a “I’m the breadwinner so you don’t get to make any decisions here buckaroo”
Her Money, Her Rules. He went into huge debt for a profession that doesn't pay anything.
And she knows it hence why she wears the Pants in the relationship.
@@pierrehenry3483 Why isn't he working, at all? Even Dave tells people to work while in school. He doesn't want to do that. He needs to put some skin in the game.
@@buffymcmuffin5361 They’re married. You combine incomes when you’re married. Otherwise you’re looking at an unhealthy relationship
That advisor has probably met with her many times and knows her financial situation well. Dave is being pretty presumptuous thinking he knows better in the first 30 seconds of the call.
I’m not trying to be shady here but it’s unwise to marry someone not on your level; finance, religion, family background. These determine your marriage bliss & divorce rate.
I think he may have changed majors from one that would've been "on her level" so to speak to this new one. Otherwise I dont see how one gets to $130k + for minister school, doesn't add up.
Amen to that. That's all there is to it. These factors you mentioned will also bring the same level of respect.
finance and religion sure. not family background. more like personal character and morals.
@@joshualaughlin2385 y religion? 😃
@@sachin2842 imagine one is Muslim and the other is Christian. What will the kids be?
She might have already paid off her own student loan debt and might feel it is his responsibility to sort out his own debt
Bingo. If you just paid off your debt and your husband hasn’t touched his debt yet, that’s a problem. He is responsible for his debt.
Exactly
Then she shouldn't have married him, its BOTH of their debt. Same thing if a guy marries a girl in debt its now legally YOUR debt now if she dies they are going to call you
Then its an unhealthy marriage.
@@dynamicwellness33 except if the roles were reverse then it's their debt and dave would telling him to man up.
Idk about this one, they were following Daves plan until they weren’t. My bet is her loans got paid off and now she’s looking to invest and he got left behind. They’ve been married for 18 months right? Or did I miss hear that? They could have been working to pay their debt off separately before being married and she’s done. Chances are he changed his line of work or schooling because I don’t want to believe he racked up 130k on seminary school, that’s sounds like he’s irresponsible with his money and debt management and now she’s expected to pay it off since they’re married. I wish they asked more questions instead of ranting, I want to know more about this. No one was asked about why he has that much debt.
They been married 16 months!
I would love a follow up.
Exactly. And no one asked why he can't get a part time job.
I think as soon as the gentlemen said his wife chose another financial assistant plan over Dave’s plan, Dave no longer cared about helping them.
The debt incurred doesn’t matter. It’s a student loan.
And I think that’s exactly what happened. They were in agreement, debt she saw as hers is paid for, and now she was a shiny new house because “she earned it”. Forget the fact that she was also in agreement to be the provider while her husband is in school. And surely she knew he wouldn’t ever make as much as he does. She made a decision about her marriage without her husband having a voice. That’s a problem.
This sounds like she doesn’t want to use her money to pay his student loans off. They are freshly married and she already footing the bill
@@saulgoodman2018 she sounds like the major bread winner. When did she learn about the debt? I mean these things way heavy early on.
Sounds like what 98% of marriages are but the genders are flipped
That's what being married is scout. It's OUR debt. If you can't handle that, don't get married.
My wife makes a lot more than I do, and we have no problems.
@@jimroscovius smells like communism
Dave, I like your show and your advice in general. I do have one suggestion: let Ken talk. He's there as a cohost but you keep interrupting him.
I wish all the cohosts would take a hike. None of them are necessary.
I was thinking the same thing.
This is the Dave Ramsey Show. The Ken Coleman Show is great, but this is not it.
@@DMBVR4 Agreed. They're all brutal, weird "D-level" pyramid scheme type personalities from late-night TV. Especially the daughter, Rachel. Dave is the Tennessean country boy who caught lightening in a bottle with this program, but none of these milk toast, amateurish personalities are going to carry on his successful legacy or the Nashville-based corporation.
@@normajeane507 if you have experience and helped hundreds of millions of people get out of debt for the past 30yrs because they can’t live below their means, you’d have a bit of an ego too 🤷🏼♂️. He’s also worth hundreds of millions. What’s your net worth?
Can't even be mad at his wife. She makes over 300k and im assuming bought no debt to the marriage while he makes no money and has 134k in debt to be a pastor.
Then why did she marry him? To lord her income over him while he remains a perpetual debtor?
Sure you can. You become one when you are married. The 134k is their debt now, it doesn’t matter who “brought it” to the marriage.
@@felisleo101 exactly. People taking up for her are glossing over the fact that she signed up for this. She willingly married a man with 130k in debt and is likely planning to get more debt since he is still a student.
No sympathy from me.
I agree. Imagine the roles would be switched, this comment section would be all like "sHE hAs To gO to WOrk". This guy needs a job tomorrow.
Imagine going into debt to be a pastor LOL. Talk about going against everything the Bible teaches.
Being single sounds better everyday. Lol
Same. Lol
Yup
Every. Day!
How would it be better for him to be single? He doesn't even have a job. She pays for everything! I'm sure he has a great life. She is just ready to save for a house. She is allowed to have say.
@@jilltancredi1824 yeah but she has backed out of an agreement they made as a couple.
If you don't think that's a problem then I can't help you.
Ima be consistent here, he wants HER to pay for 100k of HIS debt for a worthless degree? Doesnt seem very fair to me
Homeboy needs to take care of his bills and get a job.
This is what I was thinking too
Doesn’t matter. They are married. You are meant to be a team when you take those vows. His debt is her debt and vise versa. These are things couples need to talk about & have a clear plan before marriage. If the roles were reversed comments would be saying it’s completely fair.
Exactly. Maybe she thinks he is not taking responsibility for his choices.
Sorry but no. They got married and clearly together with her salary, they can pay that off in less than one year! If she wanted him to pay off his debt, they shouldn’t have gotten married. If a man was making 340K a year and he married a woman with 130K student debt, I would seriously doubt anyone would tell the man his wife would have to pay that debt off herself. Absolutely ridiculous. Dave is right, there is going to be some pain in that relationship.
Take the same energy to all the other videos where most women come with a lot of debt. Dave always says the same paid the debt off together now that you are married is your debt. I hope I can see your comments on the other videos homegirl needs to pay her bills and get a job
Ironically Dave comes off as kind of arrogant here. Many people have gotten in great shape financially without following his exact plan. The real problem is that the married couple has two different gurus and they aren’t able to agree on a plan of execution. She isn’t stupid with money, she is a surgeon making 350k and is debt free. Dave took this way too personally.
In this specific case, the math here’s on Dave side though. Attacking the debt before saving up house will net more by saving on the interest from the loan, vs the interest from a HYSA for the house fund. Paying off the debt first will actually get you to buy a house faster in this case.
Absolutely their world is not to going to fall apart if they follow their own plan. Yet this eventually becomes a marriage issue which the financial advisor has more influence on her than her husband.
This seems to be a relationship issue and finance. Dave should just advise him to get marriage counseling or something to fix the relationship.
Very well said. There more then one way to do something great.
@@michaelpalumbo4880 bingo!
Statistically, there's an 85% chance she will divorce him.
If they live in a community property state, she'd have more incentive to force him out the door to GET A JOB and PAY OFF HIS DEBT, instead of divorcing and having that debt be on her head also. Don't marry in a community property state.
Couldn't he get alimony?
@@ChrisMFlorida Depends on the state, but yes
she will cut her losses and is probably reading this with him!
Which would also, biblically, end his pastoral career.
Was married to an ER doc and 100% agree with this. Absolutely awful managing our finances
A surgeon without any debt of her own, making 340K, and married to a seminary student with debt? Did she pay off her own loans or was she lucky enough to have no loan for medical school? Either way, she seems pretty wealthy financially and spiritually.
Except in her life choices concerning a spouse. What an idiot. lol
They have been paying down debt for 16 months. So if she doesn’t have loans, they were probably first in the debt snowball.
Dave threw a tantrum on this one...
Where was the, "you cant afford to be a student. Start delivering pizzas."
Lol, excellent point 👍
As a household, they can totally afford for him to be a student though. This is more a relationship issue than a financial issue. Money isn’t a problem, but obviously there was a misunderstanding about financial expectations before the wedding night.
They make enough that he can. And they were in agreement and discussed this for 16 months.
Dave was too angry at the wife for not agreeing with him that he didn’t see a seminar student with 140k of loans expecting his wife to pay them off for him AS HE DOES MORE LEARNING.
yes i agree
Dave sees their income as theirs and their debt as theirs. Period, point blank.
The advisor wants them to stop paying off debt to save for a house instead. He wants them to keep that student loan around for years. That’s why Dave is mad.
I remember Dr James Dobson saying “it’s not how much money you make, it’s how much you spend.” We lived in Tanzania Africa for 18 months, that killed our materialism.
That must of been a great learning experience.
humble city
I am married to a doctor and I also know many doctors let me tell you why is usually doctors making stupid financial decisions. Being a doctor is a highly draining job, you do make a lot of money, but you get a ton of stress, worry and sleepless nights from it. Most of the stupid financial decisions I've seen doctors do is more of "I deserve this because I worked really hard for it".
You are 100% correct on this.
Yup
Being poor is a mindset, it makes sense.
And they certainly can have it. When they don’t owe anyone any money. Every penny they make goes to the person they owe until it’s paid off. Use that income to quickly pay it off.
A pastor won't outearn a doctor?
*Joel Osteen has entered the chat
STOP ✋🏻 😂 😆 😂 I literally LoL ed
Glad the cohost moderated a lil. Dave was getting in his feelings
He was so emotional!
@@matthewgardner2144 Yea borderline disrespected the guys Wife to him 😂 Like holdup there buddy
@@TonyBMoviehood That’s because she bruised Dave’s ego about his steps so he took it personally when she may have been generalizing 🤷♀️
@@tigerlily1034 Oh I'm sure
@@TonyBMoviehood 🤷♀️😂
I agree with Dave that many medical professionals handle money poorly. But, in this scenario the wife (medical professional) is debt free while the husband (in seminary) is racking up all the debt. So I find it hard the believe she is the irresponsible one in the relationship. The real question is why does he have 130k in student loans for seminary school.
He could have switched routes, started in med school and found a calling to go a different direction
@@saulgoodman2018 Dave is usually a simp for woman so this is a curveball
Dave is pointing out that since they are married it is THEIR debt. It is just as much hers as his. Therefore, she should want to get rid of the debt just as much as the husband does.
They have $134k debt. Not him, they.
Apparently, she doesn't want to pay his debt.
Shouldn't have married him. Poor dude.
@@90kevin20 No she shouldn't have if she didn't want to be a team player.
@@leathelandlady We're assuming she knew his debt was this much going in. $130k to be a minister? I'm thinking that was not his original aim (maybe his original aim was something making more money) then he changed course ans expects her to be his financial plan. Dude could 100% be working a full time job but isn't.
@@90kevin20 Poor dude? More like poor woman...she's stuck taking care of this man baby.
@@greenfly0917 You're right, good points.
Can we just acknowledge that this woman graduated with a doctorate and has no debt. How is she bad at money? We don't know enough about this couple to say that.
Her parents probably paid for it
She does have debt. She's married and her husband has debt. In a marriage, all debt and finances are shared. If she fails to acknowledge this then she has a marriage problem not a finance/intellect problem.
They’re on baby step 2, pay off debt. They’ve been on baby step 2 for 16 months. I wonder what they’ve been paying off for almost a year and a half?
Student loans? Hers?
Good tactic, Roland immediately got Dave on his side by saying his wife dissed his plan. He's the irresponsible one and needs to get a job, not accumulate more student debt on a seminary degree.
Except if the debt and income were reversed Dave would be telling the guy to man up and pay her debt off.
It’s 2021, women have wanted to be the breadwinners so bad, time to pay up. It’s pathetic how women in reality will cry that they want equality but then still want the guy to earn more.
In this case, he's telling her to man up and pay his debt off. Truth is, the tax payer will soon pay it all off.
Dave went so off the rails that he wouldn't let his co-host speak. Dave's plan got insulted, so Dave ego-tripped... so bad that Dave missed the problem entirely.
Dave took the wife criticism personally. He didn't try to help or let the other guy ask him questions.
That's exactly what I said. Why should she pur herself in debt if hes bad with finances.
@@KidCity1985 just the fact that their married but he needs to work to pay it off she can help him pay it off but she shouldn’t be responsible for the entire debt he didn’t even let him to continue he just ranted
@@adriancastillo5812 his ego was showing
Ken said, "IF WE pay it off" well how much is the husband contributing?
@@spatty2589 moral support 😂
The guy said “she’s not on board” but she is the only one who would be on board as he is paying nothing. It’s both their dent since they are married. I think if he worked a lot more, stop taking out more loans, and helped pay some of it with her it would be good for their relationship. He is basically sitting back and saying she’s not paying it, how do I get her to pay off all my student loans?
He should at least get a side hustle to pitch in.
Exactly! Nothing is stopping him from getting a job and paying off his loans!
He’s using Dave’s plan to make his wife pay for his mess!
Bingo
🤢🤮
Nothing is stopping him from getting a job and paying off his loans! If he is this entitled now he is going to be worse in the future. I hope she has a prenup.
She pays off his debt, and he can say "Bye Bye"
@@buffymcmuffin5361 he's in seminary school. Everyone seems to be missing the fact that they probably won't divorce because they're probably both very spiritual.
@@steveande6560 Seminary School doesn't guarantee anything. How spiritual will she feel after paying off all his loans - and he finds a new girlfriend?
He needs to thank his lucky stars she is putting up with him. She's the financial genius debt free and stunning income. He is the broke guy in debt. Dave got it wrong on this one.
bro its a marriage. If it were the other way around he would definitely be helping her pay off the debt. Thats what a normal marriage would do. But since its her whos making the dough now he's looked as "weight". Come on, where is all the equality
I’m pretty sure that she’s aware that he’s a seminary student. Either she knew him before and they discussed him going to seminary or she met and married him while he was in seminary. There’s no luck here, this is what she signed up for
She’s not debt free. They still have $134k in student loans. They spent 16 months paying something down, wonder what it was?
I want to be gazelle intense with other people’s money too
Haha!
That's it! How can he even talk about Gazelle intensity with somebody else's tools?
When you’re married there is no other people.
But as Dave would say they’re married so they’re one! At least he says that for the women 😂
@@pierrehenry3483 this is proof that the "patriarchy" is the only way a society will prosper.
Females think dating down means financially.
Men will take trailer park trash and change her world if she has good bones.
Since it's all his student debt, it sounds like she wants him to pay it off on his own regardless of them being married. $134k in seminary student loan debt? 😐
Fair point on that amount. I am wondering how many shots he bought his friends in college.....
@@gblyndensrandomreviews seminary student buying shot 🥴🥴🥴🥴🥴🥴
Gotta experience that college life!!! 🙄
Wheres the accountability on his part? He wants his wife to pay his debt? Thats not a wife..thats a mom!
@@TheAgentmigs it was strange Dave agreed with him. He's not contributing anything towards his debt and he's upset that she's not more focused on paying it off. 🙃
I have been in the medical industry for over 30 years...I have several friends that are MD’s and your correct...they are the worst business people I’ve ever seen....Their high incomes generally offset their bad decisions to minimize them recognizing how bad they really are....until they don’t.
You’re
More money more problems.
@@PInk77W1 you beat me to it.....your too quick 😉
@@bradgretch I got corrected once
So now it’s my mission in life. LoL
@@PInk77W1 I noticed you have a video cycling in Australia, can you remember where that was filmed?
Wait, so in that whole conversation, nobody brought up the fact that she’s a doctor with zero student debt and he’s in seminary with 134k in student debt? Who’s paying hundreds of thousands of dollars to go to seminary?
Took me a minute but yeah, I immediately started scrolling in the comments and found you lol!
So many unasked questions, really. Emotions blinded Dave 😅
It's ok because religion! Now if he studied basket weaving or women's studies, then he'd get a slap on the hand.
You didn’t listen. They’ve been paying off debt for 16 months. I wonder what took them 16 months to pay off? Her student loans?
@@BlueDauntless possibly but my second question is still valid...134k to go to seminary? That seems a bit much
This isn’t a financial problem it is a marriage problem.
This is a problem with a hardhead who listened to someones one size fits all plan on the internet and can't listen to his wife's ideas because of it. There is no law saying the Ramsey plan is the only way to be successful. As a couple they need to decide which plan makes sense and why. Unfortunately Dave is too proud to give that advice, it is his way or the highway.
Imagine the internet outrage if a man refused to pay his wife’s student debt😂
@@seanohara5754 Dave's plan is for people that enjoy living with peace of mind and having complete control of their income. And it's worked for every person that has ever followed it correctly. If you prefer to give away chunks of your monthly income to banks your whole life, then yes, Dave's plan is definitely not for you.
As are most on the ahow
@@seanohara5754 You are 100% correct.
I cringe at the comments on videos like this. People really don’t understand how a healthy marriage works. You are ONE. Work on debt together, save together, thrive together. This makes me so sad. So glad me and my husband are on board with each other 100%
Thats because its not a healthy marriage they're in. There has to be some accountability on his part..and what kind of man relies on his wife to support him to that degree? He relies on her 100% Zero income. Its a question of motivation, because if he wanted an income...he would have one.
I don’t agree. She married him knowing he wasn’t rich, he is going to school to become a pastor. She makes more than enough. Why would he work if he’s going to school and he doesn’t have to. Also if they have kids he might be the one staying at home with the kids.
@@TheSharaya this is what you call lure not love.
Maybe the wife does not want to pay his $134k student loan debt, because she has other plans about the marriage! Why is he still going to seminary school? Why isn't he getting a job (delivery) to payoff his debt? He is already living rent free at her expense! Sound like he is a loser to me!!!
And the Wife finally notice that. Lol
Women want money and status! Men want youth and beauty! Women don’t respect men who make less!
this is what the feminist movement does. If the roles were flipped, we wouldn't bat an eye at it, but this is a learned behavior, this man has been sold a false bill of goods. He went into this marriage thinking this was acceptable. He thought it was acceptable to have his $340K/year wife pay off his 134K student loans while he makes nothing. No no, only a woman should be doing that. But feminism teaches guys that they should be more feminine. It also teaches women that they should be more masculine except for when it matters
You realize stand that you sound like somebody that expects the husband and wife to live separately like roommates
@@jennyberger6688 you kind of have a point, but when it's to this degree it's out of hand. This man makes zero dollars with and his wife makes $340k. It's okay for a woman to ride a man's coat tails, but when it's the other way around, it's off-putting for the wife and from an outsider perspective
Sorry Dave. I’m on her side. She worked very hard to be a surgeon and also debt free . I don’t care if they’re married , he’s bad with money and he needs to handle his debt and responsibilities. Why does he have 140k in debt to be a seminary student?
Sounds like the shininess of the marriage is wearing off and the wife is not thrilled to be footing his debt with no real earning power to back it up. That much debt to be a minister? Are you kidding me?
Divorce is on the horizon, prepare yourself bud.
He's going to make out like a bandit though. HALF.
Show some initiative, get a part time job to chip in and start paying off your debt. Otherwise you sound like a leach and your wife just sees you as a dependent and not a partner.
Its pathetic.
Ummm you forgot the part where she married him only 16 months ago
Seriously! Plus she's not being reckless with the money. It's not like maxing out a 401k, investing, and saving for a down payment are ridiculous alternatives.
He is going to be an unequally yoked pastor to a Feminist Doctor that will rule over him.
“This whole we’re a team and let’s put our money together to get ahead” only applies when the man is the one bringing in majority of the bread with the least debt.
as it should be
That is not true. Might stereotypically be the majority of couples, but not all.
Not in my case. Once we said our vows, our dreams and finances merged for better or worse because we are a team.
because men feel emasculated when it's the other way around and start to resent their wives if she's pulling more weight than he is
@@kindasoupie I don't know about. A lot of men leave their wives to marry another wife who's more wealthy and earns more. I see that a lot these days.
Her financial mistake was marrying him thus automatically taking on his debt. He needs to get a part-time job and contribute towards the debt repayment.
She had debt too. They were paying something off for 16 months.
she’s not helping him pay bc probably she is planning to divorce him. That’s what I’m thinking 🤔
That would be the smart move.
God I hope she signed that prenup. How could she marry someone so stupid. I’m with the girl in this one.
@@HHHPedigrees yeah comum sense
I just finished 10 years of seminary/doctoral training at a top school with zero debt. I helped put my wife through med school while studying/working and we have zero debt outside of our mortgage. She now makes a ton of money and I work a bit while raising our kids. Sometimes I’ve been her rock, sometimes she’s been my rock.
This is not really a financial story here, this is the story of a breakdown in love and communication.
Edit: this was not Dave at his best at all. Ironically, he should have tried to be a pastor and instead he dug his heels in as a financial guru.
He didn’t say it was loans for seminary school. Could be loans from an undergrad.
Let’s flip the genders. All of a sudden he’s the bad guy.
Exactly...
That’s the whole point! If he was a surgeon and she sold Avon! Then the man is expected to 💰
It’s always the callers spouse who is to blame, according to the callers. Victim culture
It’s too bad. Most men would immediately help out their partner. Just because the wife feels some of the success she gets all selfish. Marriage is a team effort.
@@roolyfe Difference is AVON is still a job. This man has no job.
Lol, I started reading the comments before the video played because there was an ad. But the comments were so good that I forgot the "Skip ads" option popped up lol.
RUclips comments are undefeated!
“go head and send it we use it for kindling” 😂😂😂😂 i freaking love dave hahaha.
Sounds like they might not be compatible.
Correct. They need to divorce and he needs to find someone more gullible to pay off his debt for him.
Wife makes a ton of money and could easily clear out her husband’s debt. The wife wants to set herself up before she helps dig him out. I get it.
I kinda feel like it's his debt and he needs to do it. At the same time the financial advisor is just trying to make money.
This guy needs to learn that he cannot just study and not work. He's going to have to divide his time. Paul was a tent maker; he didn't bother anyone for his livelihood. You don't have to be a genius to figure out that the wife just refuses to pay for his debt. How did he rack up 134K in student loan debt?
Agreed...he may be leaving out some critical agreement that he now wants to change.
Well...If I'm making 350 times the amount of my spouse I'm making the money decisions.
Correction, your math doesnt work out. Any number multiplied by zero is still zero hahaa. He has NO income. But to your point, she has no respect for his decisions making simply for the fact that he has no income..and there for no leverage in making financial decisions. Her and the financial planner probably look at him and say, "Be quiet, the adults are talking."
@@TheAgentmigs "Her and the financial planner probably look at him and say, "Be quiet, the adults are talking."" - As they should. This guy isn't contributing anything, but wants his wife to pay off 100% of his loans? Man get outta here.
But he raises the kids most likely. If you flipped the genders you can see an obvious double standard
This is one reason why premarital counseling is so important
My neurologist bought a house when I was five years old. Over the past forty years, he has refinanced and take equity out so many times, I don't think he has, or may ever finish paying it off. Meanwhile, my house will be paid off five to six years early, currently have fewer than three years left.
Yup
He won't. I know and have known people like this. They live very upper class livestyles and take out loans and reverse mortgages and cred card debt and personal loans from as many lenders as they can for the rest of their life until they die. The debt never gets paid.
Well you can refinance to put it down on another house and you can get rental income on that house or building and leverage your money that way and restart paying it off if you can cash out refinance get about 30k and get another house that appreciates that’s a good roi but if they use it on lifestyle stuff then it’s idiotic
Your house costs 100k. Your Neurologist's cost 500k.. see the difference
Is he 70?
Poor guy. His wife out-earns him and he won't make squat when he is done with school. The relationship is over.
Trust me women don’t respect men who make less
@@roolyfe facts!
@@roolyfe facts
@@roolyfe I don't believe that. In this case I don't think she respects him. I think he walked into this depending on her to be his financial plan.
@@roolyfe Hypergamy at its finest.
being in finance as well, dave’s quote about doctors being intellectually smart and thinking it translates to finances couldn’t be more accurate. it makes my blood boil talking to doctors that think just because they are medical doctors they know everything there is to know about money, when the truth is very very few actually know what they’re doing
Can we talk about a guy going 130k in debt for seminary?
The doctor’s bad at money...but the seminary student’s the one in debt, Dave.
Jobless.
Remember that.
This level of arrogance is astounding. Is it possible to KNOW that one plan will work better than another? My wife and I tend to disagree (I am a saver by nature and she is a spender) on the balance between enjoying life now and enjoying life later. We discuss it and compromise. Communication is the key. If you have to call Dave to see how to handle your spouse, this is a communication problem, not a money problem.
The word “financial advisor” triggers Dave 😂
Because it's not from his network where he gets a kick-back.
I went to Bible Seminary took full time class load and worked full time(nights) to support myself and pay the bills. It CAN be done.
But their household income is such that he doesn’t have to. They were in agreement for 16 months, so something changed.
LOL at Dave getting triggered and bent at hearsay about him!
😂🤣
😂
Especially from some lady doctor and her financial planner! He was just not having it. :) :) :)
Right on!!
He needs to get a part-time job and tackle some of his own debt as well. Sounds like she’s paying on his loans still just not “gazelle” intense how the program would want her to because she’s maxing out her retirement accounts as well. Doesn’t sound like she’s the one who is irresponsible with money. He needs his wife “back on board” to pay off his debt but made no mention of what he planned to do exactly to also pay some of that debt. Why didn’t Dave tell him to pick up a part-time job and stop taking out loans? $134k as a seminary? 🥴
It feels to me that he’s using her. He thought he had a sugar mama maybe
Most religions that where made up in US are all phonie. The Catholics seminarians dont pay for anything ???
@Christi A huh?
Caller came, spoke and was cut off. They knew there was no hope. BRILLLLLIANT!! :)
I appreciate you bringing up the power dynamic between the two. It IS all her money. She is the sole breadwinner and she makes A LOT, and it's ALL his debt. HOWEVER, they are married. When you marry someone, you become a team. His debt becomes her debt. It should work the same if he had been the surgeon and she the full-time seminary student saddled with all that debt. This debt is clearly hurting him and giving him great amounts of stress, and she needs to consider the stresses of his life because he is her husband, not her roommate. It's not a healthy marriage if one spouse (of any gender) says to the other "it's YOUR problem, YOU got there by yourself, YOU deal with it." I'm sure they could find a middle ground of some kind if they actually communicated with each other.
Money isn't everything but this won't end well. She's investing in her 401k and herself because she already knows lol
As she should.
tony must not be married
This guy needs to WORK even while studying
When I earned my pilot’s license, my flight instructor said the exact same thing about doctors (and lawyers!)... they are the hardest students to teach because they believe they have earned expert proficiency when they are still only beginners.
im going to have to agree, a lot of my uncles, aunties and cousins are all in the medical field, and they all have crippling money issues.
Nah you’re wrong about medical doctors, David😂
Dave is automatically on his side when he only knows his side. He is the one that racked up $124K in student loans for a job that doesn’t guarantee much of an income and right now HE has zero income. She made it through medical school with no debt, so she may know more than her husband does about money. I think there is more to this story than the caller is disclosing.
Yeah you have to be a team. When you're not both on the same page it makes it very difficult to build success anywhere in life.
Wait, dude has no job and magically expects his wife to do it all while he does nothing? Um, no thanks. This absolutely doesn't say enough about "both" of them needing to contribute. They need to talk through how they want to approach his debt that is now both of their responsibility. Marriage is 100% and 100% not 50-50 and he's not contributing much other than debt. A serious discussion is required. Why didn't Dave tell him to get a side hustle and start paying down that debt rather than being a professional student?
Dave sees marriage as a true partnership, even though some these days do not. If one person is making 300k, it doesn't matter if the other person works or not, they are fine financially. Obviously she's fine with him going to Seminary and not working or she wouldn't have married him. Dave sees it as there is 300k for the both of them, as that's absolutely true. Therefore, there is no reason they can't pay off the couple's debt. Doesn't matter if one has more than the other, they are married, it is BOTH of their debt now ... legally. IF they get divorced? Guess what? She's going to have to pay off half that debt. Her income is the only one coming in to pay both of their bills because they are married. He doesn't need a side hustle, they have plenty of income to take care of this marital debt.
@@SuMMeRFLi5 ummm that's not correct at all. The student loan debt was something he acquired before marriage and is in his name only, no divorce judge would make his wife pay one penny of that lol it's not marital debt
@@private9260 Untrue, I see it all the time at hearings. If the debt continued under the marriage and the spouse was actively paying on the debt, the Judge awards the high earning spouse to pay half (even all sometimes). Even more so if the spouse received benefit from the college debt, the spouse could wind up paying ALL of the other spouses student loan debt. Maybe it's different in other states, I don't know. I'm in FL.
This is one of the most uncomfortable things to say which is why it definitely needs to be said. Women today believe that the mans money is "their money" and that her money is "her money".
This is partly why I was determined to pay off all my debt prior to getting married. My fiancé is a doctor and, while she was more than happy to take that on with me (God bless her), I didn't ever want her to feel like it was her responsibility. Getting it done before the wedding eliminates any possibility of that ever happening. Side note - I'll be done in 16 days. The wedding is about a month later. Nailed. It.
It hardly seems fair to diss a person who is earning loads and has NO debt, by lumping her in with all people in her profession as irresponsible with finance.
She makes 340K / Year and you're a seminary student that went 134K into debt over a seminary degree! Dave you don't know his wife's side of the story. From her POV she's been the one doing stuff correctly. If the student debt is low interest rate then why not leave it structured and save for a house and invest?
Behind every successful man is a woman, behind her is his wife
She's just seeing this strategically....she has no debt and a high income. He has high debt, no income, and probably won't ever have a high income. Also, in family court she would be one of the rare cases where SHE would actually get the bad end of the deal....so...she's just contingency planning
Well if she ever had to pay alimony, doesn’t all of that “planning” just fly out the window?
When you get married you are one.
Haha knowing today’s family courts, she may be able to walk away with all of it while the guys still stuck with that 130k of debt 😂
@@anthonylozano8035 your marriage should never be about money it should be about God first and when you put God first he will take care of the rest
@@justmepraying take god to a family court and see the lawyers rip him apart