The Ramsey people are obsessed with marriage. In this case the guy is 53 and it’s easier and more efficient to cut and run and be on his own, master of his own destiny.
Still why would you keep living with a person that don't love you no more and probably cheating while you're away working and then on top of that after hard work and getting out of debt goes right back on shopping spree and buy random things she doesn't need at all just to go back in debt. I feel bad for the dude
Its interesting because people in our country are so obsessed with fighting about politics. But the truth is most of the problems we have in our lives are created by ourselves and our own behaviors and such.
She betrayed him on so many levels... I wish him quick and easy divorce at least they are renting so only thing left to split is the debt that she has made...
He betrayed himself by not being adult enough to keep track of the taxes in his county like his neighbors did. If other men can pay taxes online, so could he. Hes just lazy.
nah.....if this was a female caller Dave would say "your husband's a BUTT and needs to MAN UP..." but because he's a male caller it was his responsibility to keep his wife from being irresponsible.
You see a marriage as individuals. A marriage is a team. You take care of this, I’ll take care of that. Not let’s both handle the same thing and make it take twice as long and still fail. Their communication is broken.
If they're living in a house with twice the rent, that's probably where to start, and also selling the stuff that was super expensive. She could get a job if she doesnt already have one, and once the debt is paid off, get a divorce if they feel they still need one.
So working for 38 years as a skilled person will get me a pension of $1800 a month, but being involved in the stock market, I am able to add $7200 a month to that income. Taxes paid on that income, $3575. The secret ? Dividend income ! YOU have to learn how to play the game. Nobody will play it for you.
It depends on what your pre-retirement income was but I've found that no longer putting 18% of my income into an RRSP and no more maxing out the TSFAs every year frees up a lot of cash. However we are now at a crossroads on what to do next. We need to make the best of this good decision.
Thank you for this tip. It was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her resume.
Thanks for sharing. I searched for her full name, found her website immediately, reviewed her credentials, and did my due diligence before reaching out to her.
So many couples have one person handling the bills. That is a HUGE mistake. Certain things can't be delegated to one person or the other. Tough that he is on the road and I can understand when he comes home he doesn't want to deal with home stuff but that is a HUGE mistake.
No, it's not. Not if the person is honest. My grandad worked, and my grandma sorted all the money. The traditional roles. It worked fine. Assuming she didn't want to work, this is all her fault. He did his part.
This happens when someone trusts a spouse and there is no varification. Not paying federal taxes for years is on both the wife and husband but mainly on the wife who did not pay the taxes.
@@barbieblue3336 as in, making sure taxes are paid. The IRS sends out letters when you're late, wonder if she was getting rid of the letters, or he was ignoring?
Terrible marriage advice. It's no different than if he was banging prostitutes and them saying to her - it's her fault, how could she not know?? Betrayal is betrayal and it's wrong to blame the betrayed for trusting their spouse.
This is par for the course for dave. Men have to take 100% of the responsibilty in almost every situation. She screws up. He should have known. If he screws up, how could you? Financially, I trust dave with my life but when it comes to marriage i dont have to ask i know its "his" fault.
They have been married for over 30 years...I think it is worth a shot to do marriage counseling, focus on communication and follow plan to get out of debt...counseling and getting out of debt together could save their marriage...they did it before...not one mention that he or her didn't love each other...if that doesn't work then they have to do what they have to but exhaust everything before the big d. Marriage is hard work and you have to work at it. Love is an action.
One of the few times I agree with Dave. He has huge ownership in this but he doesn't see it. I don't think it matters anyway but at the core, he doesn't like her anymore so he doesn't feel any incentive to fix it with her.
So you’re assuming the wife is not a competent adult? This is all on her, even if he had been around, she would’ve done this behind his back anyway. She’s an adult, she’s responsible.
@@jimroscovius not at all I often disagree with Dave but I watch for entertainment and to hear about people’s financial situations and I make my own decisions
@@spankynater4242 so she's a competent adult and he's not? Doesn't he keep tabs on his own finances? He can have access to the accounts even on the road. Instead, he waits until things are in the toilet and then reacts? How stupid (and incompetent) is that?
Too sad. I assume you're just trying to be silly but why should we entertain ourselves with someone else's misery? And reality shows just distract and suck up our time from living our own lives with integrity and joy
If I would have found the Ramsey process at age 53, since I could have. Instead I have only been onboard for about a year and half and already retired. I feel my story would be a better picture than it is now. This caller just needs to return to where he was before. This Ramsey solutions is good stuff.
Yes this is what I deal with right now. I'm the one who handles the finances and if I die tomorrow my spouse will have no clue whatsoever. He's not a money person and just lets me handle it all. It's also a free for all because he totes the bank card around and never checks the bank balance, never asks if we have enough to cover whatever he is spending. He's like a child. Just goes and blows every day. Thankfully, he just buys essentials like work lunches, gas, and bandage supplies for his diabetic foot but it drives me crazy. I don't have that luxury. I have to know what is in there to spend at all times. Sorry, just venting.
The wife hated having the human ATM sitting there. It was great when he wasn't there. Stay single. Love how it's still his fault. These two turned it around on him gotta love it.
@@random-nz7dy she racked 30K on debt while he worked in less than a month. If my wife tried to pull that off she would have to disappear for a month before I can look her in the eye. Or I would leave. How can that be this guy's fault? Yes, he should be able to put to the foot down. But also, she shouldn't make financial suicide at age 53.
I am always shocked to hear men say they allow the wife to take care of all of the finances. Either take care of it all or at least take care of your own. You need to know what’s happening in your life.
Well I always agree with Dave Dave is Right 100%, however the man came home every so often what did he think was happening with his taxes? I was married to somebody who didn't like paying taxes been down that road and it sure is not fun!!!
@@dogguy8603 it really not as hard buying a house as most ppl make it! The hardest part, may be coming up with the down payment but there’s ways to figure that out as well
I would get out now before she takes on any more ridiculous debt and also before you pay it off. Divorce while you're still poor so she can't take much and is forced to pay off at least half of the mess she made.
Cut up the cards today. Call someone to help you clean up the tax mess today. Start paying off the "new" snowball today. Get a written budget today and stick to it today and forever. Talk to your wife about your divorce fantasies today and decide whether it is really a fantasy or something you need to get off your tail and make happen. So get moving! I wish you all the best.
Dave is always first to point out weaknesses in the man. Marriage is about duty, among other things. But Dave tends to emphasize the duties of the husband.
@@Hillside-Hive Which I agree with. Colossians 3:18-19 Wives, submit yourselves unto your own husbands, as it is fit in the Lord. Husbands, love your wives, and be not bitter against them.
He should quit his job, file for divorce, now he has no income to pay alimony. Ex will get no alimony. Once the divorce is finalized, sell all the furniture and items in the apartment. Pay off the bills, split the debts. Move in with a parent, get a new job, accrue retirement funds.
I wouldn't quit working because you need money to live. I would get a divorce in this situation, use any assets to pay off the debt and just accept my situation and try to move on with my life. Unless quitting your job temporarily during the divorce saves you from paying alimony or lessens it then that would be good.
@@littleripper312 Good point. I just think the husband might be on the hook for alimony for the rest of the wife's life because she doesn't have a job. He doesn't have any retirement or savings, so quitting a job might give him a clean slate. As a truck driver, he could get rehired easily later after the divorce is settled. I had an acquaintance who was married. Her husband came home one day and said work was very stressful. He asked her if it was okay for him to quit the job. Neither was working. She said okay. A week later, he filed for divorce. They divided up the sales proceeds of their home which the husband put in most of the money, but the husband didn't have to paid any alimony. Husband left the state to start a new career.
Now if it was a woman calling with this issue they would say the man showed financial infidelity and that she is not safe because he is not to be trusted.
Sometimes its better not to be married. You can live as a couple. Before I was married, I was financially ok then broke down got divorce. My ex wanted higher beyond means. After divorce I'd struggled pretty hard. Had to pay child support plus support myself. took me 20 years get to a million dollars debt free with pension and savings of $80,000.00 Paid partial of my daughter's college as well her wedding. Her mom didn't do much to my daughter. And I have an hearing disability all my life. I struggled, but I worked hard with my hands in construction field and did studying real estate. If you see a wall, what are you going to do? You either going break thru, go over, go under, go around to accomplish you need to do. Gotta set your goals.
Call the Tax Advocacy if all else fails. They are the IRS, but a middle man of sort. I had to utilize them some years ago to establish a payment plan. However, they have a ridiculous fluctuating interest and penalty fee structure. I paid it down to a point that I was able to borrow a lump sum and pay them off. Then paid the loan back at a fixed rate in about half the time. That’s was a one and done mistake for me. Never again!
This is my fifth year after retirement. I’ve been following the 4% rule thing, but this isn’t really how hard I expected things to be. I still have about $460k to invest in stocks. Pls how do I take advantage of the market turnaround?
now you are retired and depend on your investment, it’s best you redistribute your capital. To simplify the process, you could allocate your resources with the help of a financial advisor.
This is really nice. I worry that I have a couple more years before retirement, and I want to switch to using a financial advisor, I could really use the expertise of this advsors.
Thanks, I just googled her full name and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a call.
HDV, SPYD, VYM. These types of higher yield income appreciate in value and pay you. These are great in retirement. VOO or VUG if you want growth and more risk.
I'm 60....and there is very little I want or need...REally, I just want to retire. Why a woman would go out and spend like a banshee out of the blue... I"m glad my wife is always thrifty and reasonable....
@@tracy5721 Nothing wrong with trusting someone but there is someone wrong with abdicating ones responsibility and as an adult it is your responsibility to know what is going on. If you do not agree yost look at her situation now and her OWN comment " I guess, I should have been paying more attention to what was going on".
The dude lived the reason why i dont want to marry. I can feel his anger, grief, the feeling of being betrayed and the frustration of the amount of years wasted with no1 to share it all with.
He comes home from a long shift driving cross country. She stabs him in the back as he walks through the door. Come on man. How did you not know one of the knives were missing out of the kitchen? Did you count the knives at all? Did you check to see if anyone was hiding behind the door as you walked in? Sounds like someone needs a crash course in "being a better husband". 😶
I have a husband that drives a truck. I handle all the finances bc he is on the road all the time, it makes it easier for me to keep up with everything . He is literally driving a truck so when is he suppose to pay bills? You have no clue what your talking about unless you have been there. 30 years??? He thought he could trust her.
Dave Ramsey "Baby Steps" is not worth your marriage. You must come to agreement within your own marriage. Not what worked for a baby boomer 30 years ago
I don't understand why he doesn't have anything saved for retirement. That sounds like it's on him, not her. I think he's probably terrible with money.
Because the bottom line is women are the protected class and men are the throw away class. Women are not required to take responsibility for their bad decisions. You never hear woman up, but you always hear man up! Men, must stop getting married until women start becoming wife material. Simple as that!
I feel for him, being a truck driver myself I know it’s hard to be on the same page sometimes and he should own up to it, but she is the spoiled apple that cut back on his hard work and sacrifice of being on the road. Hope he’s able to sort things out and get a divorce.
Classic Ramsey response. When the man makes a mistake, it’s his problem and he needs to fix it. When the woman betrays the man… it’s the man’s fault for not communicating well and he needs to fix it with her. If this guy can get out without having to pay her ongoing alimony, he should do so.
@@SSS-wo2hn Dave Ramsey is a Christian man and follows the Bible very closely, especially about finances and marriage. Men are to be leaders to their wives, and house. So in biblical sense..
Men wait way too long to leave marriages with no intimacy or respect. Then they get to pay alimony for the rest of their lives. People don’t know they can be on the hook for permanent alimony over 20 years. People should be proactive in trying to heal their marriage, build respect, but if it doesn’t work…don’t wait around for years. People need financial boundaries. This is so sad.
@@summerforever6736 yeah. I wouldn’t expect my partner to be faithful or stay if I ever withheld or revoked intimacy voluntarily. That’s feels cruel because most people need it. No idea if that’s the case in this scenario.
61 years old. I have $295,588.25 in my Fidelity retirement account. I cranked my contributions up to 35% and I do all the investing on my own. Fidelity just holds my ETFs/stocks. I made that change earlier this year. I'm hoping to end the rat race by 60 but it's looking more like 63-ish. I want to have $1.5M and bring in about $60k in dividends each year. Pedal to the floor! Thanks for the video. Great content.
Investors should exercise caution with their exposure and exercise caution when considering new investments, particularly during periods of inflation. It is advisable to seek guidance from a professional or trusted advisor in order to navigate this recession and achieve potential high yields.
I agree, having a portfolio-advisor for investing is genius! Not long ago amidst the pandemic crash in March 2020, I was really having investing nightmare prior touching base with a license portfolio-advisor. In a nutshell, i've accrued over $550k with the help of my advisor from an initial $120k investment thus far.
Definitely! All of this happened in less than a year after *gertrude margaret quinto* told me what to do. I started with less than $100,000, and now I'm about 17,000 short of having a quarter million dollars.
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
The best investment I ever made was alimony. When I was married she had 100% of my income. After divorce she only received 60% of my income. I took control of 40% of my income and started prospering.
Well she's the one who ran up debt and and didn't pay taxes. Explain to me how this isn't literally all her fault. Oh you know what sorry, I figured it out. He trusted his wife, how stupid.
you never lived with a woman, she literally will not stop bitchin about new house at which point you will buy 500k house or whatever just so she will shut up.
People calling Dave and John simps and I get what they're saying... but Donny is a MESS. Seriously. What an absolute joker. The guy sank his life and his marriage EVERY bit as much as the wife did.
Folks the key to retirement is to be out of debt. No mortgage, no auto loans and carry no credit card debt. And setting aside 15% in your Roth or you employer sponsored 401K. This new economy were in is telling us all to pay off debt and go as debt free as possible.
![Twenty One Pilots - “The Line” (from Arcane Season 2) [Official Music Video]](http://i.ytimg.com/vi/E2Rj2gQAyPA/mqdefault.jpg)
Sounds like a country song
Which is why country music sucks
@@tonypreston7278 you're country music
He can write a song that can be his retirement plan.
Ita a world song.
😅
If he turns that into a country and western song, he has a winner right there!
A winner and a retirement.
😂😂😂
he does have the voice as well.
@@hoangle2483 And to top it off, he sounds like a good guy who just happens to be in a bad spot. I wish him well.
Johnny Cash already did it, Delia’s Gone.
That's what I love about Dave! Asks about the marriage first!
Marriage first! Money second!
Stay out of marriage 😜 death trap!
@@crpruns69 Que the CGA, " I'm not happy. " soundbite.
The Ramsey people are obsessed with marriage. In this case the guy is 53 and it’s easier and more efficient to cut and run and be on his own, master of his own destiny.
It should be that way.
Dave went to the marriage first because he knew it was the wife’s fault….
I mean little does he know that getting a divorce is only going to make his debt situation worse..
Temporary maybe..
In a short run yes,but in a long run no.
Still why would you keep living with a person that don't love you no more and probably cheating while you're away working and then on top of that after hard work and getting out of debt goes right back on shopping spree and buy random things she doesn't need at all just to go back in debt. I feel bad for the dude
Not in the long term.
She doesn’t work, so he’ll have to support her financially even after divorce
It is a privilege to watch your videos everyday. Plan to enjoy my retirement watching your videos.
It is a TRIP, man! I do not tire, of hearing the endless stories of countless fools.
Give us a brake
I said this on the best of video but calls like this make me appreciate my spouse 10x more.
Its interesting because people in our country are so obsessed with fighting about politics. But the truth is most of the problems we have in our lives are created by ourselves and our own behaviors and such.
she is spending like crazy, because she does not have a job.
Truth. She needs to be busier.
💯
Yeeh🎉
She betrayed him on so many levels... I wish him quick and easy divorce at least they are renting so only thing left to split is the debt that she has made...
And then Donny will be free to marry you.
He betrayed himself by not being adult enough to keep track of the taxes in his county like his neighbors did. If other men can pay taxes online, so could he. Hes just lazy.
Are you familiar with the phrase...till death do we part, for richer or poorer, in sickness and in health.
@@pattyeckhold304 a marriage is a contract
@@nicolejennings3339 income tax is theft
*Individuals in a relationship cannot make excuses. You BOTH need to be handling the finances together.*
Keep finances separate. If one can't be responsible and use common sense with their own money than there is no hope for the relationship.
nah.....if this was a female caller Dave would say "your husband's a BUTT and needs to MAN UP..."
but because he's a male caller it was his responsibility to keep his wife from being irresponsible.
You see a marriage as individuals. A marriage is a team. You take care of this, I’ll take care of that. Not let’s both handle the same thing and make it take twice as long and still fail.
Their communication is broken.
If they're living in a house with twice the rent, that's probably where to start, and also selling the stuff that was super expensive. She could get a job if she doesnt already have one, and once the debt is paid off, get a divorce if they feel they still need one.
So working for 38 years as a skilled person will get me a pension of $1800 a month, but being involved in the stock market, I am able to add $7200 a month to that income. Taxes paid on that income, $3575. The secret ? Dividend income ! YOU have to learn how to play the game. Nobody will play it for you.
It depends on what your pre-retirement income was but I've found that no longer putting 18% of my income into an RRSP and no more maxing out the TSFAs every year frees up a lot of cash. However we are now at a crossroads on what to do next. We need to make the best of this good decision.
I would like to learn how to plkay the game. How did you get started? Can you point me in the right direction?
Google Sonya Lee Mitchell and do your own research. She has portfolio management down to a science.
Thank you for this tip. It was easy to find your coach. Did my due diligence on her before scheduling a phone call with her. She seems proficient considering her resume.
Thanks for sharing. I searched for her full name, found her website immediately, reviewed her credentials, and did my due diligence before reaching out to her.
So many couples have one person handling the bills. That is a HUGE mistake. Certain things can't be delegated to one person or the other. Tough that he is on the road and I can understand when he comes home he doesn't want to deal with home stuff but that is a HUGE mistake.
No, it's not. Not if the person is honest. My grandad worked, and my grandma sorted all the money. The traditional roles. It worked fine. Assuming she didn't want to work, this is all her fault. He did his part.
@@debse.7286 there are always exceptions. All about communication
We're just going to gloss over the betrayal of his wife sabotaging them financially and ignoring the taxes, for years?
This happens when someone trusts a spouse and there is no varification. Not paying federal taxes for years is on both the wife and husband but mainly on the wife who did not pay the taxes.
Verification?
@@barbieblue3336 as in, making sure taxes are paid. The IRS sends out letters when you're late, wonder if she was getting rid of the letters, or he was ignoring?
When you file married filing jointly (MFJ) both spouses have to sign the tax return. He was negligent.
On both of them 100%!
This guy's biggest mistake was trusted the wrong person. Dump the wife.
Terrible marriage advice. It's no different than if he was banging prostitutes and them saying to her - it's her fault, how could she not know?? Betrayal is betrayal and it's wrong to blame the betrayed for trusting their spouse.
The advice would be different if the woman was betrayed.
This is par for the course for dave. Men have to take 100% of the responsibilty in almost every situation. She screws up. He should have known. If he screws up, how could you?
Financially, I trust dave with my life but when it comes to marriage i dont have to ask i know its "his" fault.
Nope Dave always says the money decisions and financing and budgeting need to be made together
Of course it isn’t 🙄 he was responsible for the taxes as well
@@jason-zo9dg no, that’s your own anti-women bias. He always always says it’s on both partners in the marriage.
"Sounds like you're in a jar of pickles" - JD
That is a knee-slapper for sure!
They have been married for over 30 years...I think it is worth a shot to do marriage counseling, focus on communication and follow plan to get out of debt...counseling and getting out of debt together could save their marriage...they did it before...not one mention that he or her didn't love each other...if that doesn't work then they have to do what they have to but exhaust everything before the big d. Marriage is hard work and you have to work at it. Love is an action.
The thing is that love is more important. Why try to fix it when there is no more love?
Maybe he needs a psychotherapist or a family counsellor
Nah
counseling is a joke, especially at this point. half the time you're gonna get some female activist
One of the few times I agree with Dave. He has huge ownership in this but he doesn't see it. I don't think it matters anyway but at the core, he doesn't like her anymore so he doesn't feel any incentive to fix it with her.
So you’re assuming the wife is not a competent adult? This is all on her, even if he had been around, she would’ve done this behind his back anyway. She’s an adult, she’s responsible.
One of the few times you agree with Dave? Why are you listening to the show? Just curious.
@@brosdealership3805 Agreed. If you never agree with Dave, but you listen anyway, you are a troll.
@@jimroscovius not at all I often disagree with Dave but I watch for entertainment and to hear about people’s financial situations and I make my own decisions
@@spankynater4242 so she's a competent adult and he's not? Doesn't he keep tabs on his own finances? He can have access to the accounts even on the road. Instead, he waits until things are in the toilet and then reacts? How stupid (and incompetent) is that?
Wow. Just unbelievable. A TV network needs to get with these people and produce the next reality TV show. They'd make a killing.
Maybe one episode. I can't imagine that many people wanting to see this couple go through the divorce proceedings
@@Excalibur2 I agree, it's just sad.
Too sad. I assume you're just trying to be silly but why should we entertain ourselves with someone else's misery? And reality shows just distract and suck up our time from living our own lives with integrity and joy
If I would have found the Ramsey process at age 53, since I could have. Instead I have only been onboard for about a year and half and already retired. I feel my story would be a better picture than it is now. This caller just needs to return to where he was before. This Ramsey solutions is good stuff.
A lot of things that Dave teachers it’s just common sense but it doesn’t sound like you had any back then
@@Jane5720 Why such a rude response?
It's not rude, it is reality, sometimes people need to be told the truth to wake up @@tracy5721
For the life of me I will never understand not knowing and doing your own finances.
Keep the finances separate, problem solved :)
He was on the road a lot.
It’s easy, if you don’t understand or know, you aren’t accountable. A lot of people love that.
@@NYNC88
That is no excuse with the tech we have today.
@@NYNC88bet she was getting some stranger D while he was away
Thank god I'm not married.
It depends on the girl. I've known mine since I was young and she doesn't spend much. She likes nice clothes that's about it
Same here. I sure wish many MANY men were this smart.
Me too!
Its not worth it!
Don’t miss out on girls who are great with their money. Some of us are smart with our money.
@@paulk9985I am glad many women have figured out that marrying a man isn’t worth it
Sounds like he needs a lawyer
He cant afford one smh
Resentment is tough to overcome. She probably has lost any love for him and would welcome a divorce.
Except she likes the financial part
53?…sounded more like someone in their 80s.
😂😂😂😂😂
The same page was her playing pretend to playcate him. She knew when he wasn't around She would go straight back to doing things behind his back.
Yes this is what I deal with right now. I'm the one who handles the finances and if I die tomorrow my spouse will have no clue whatsoever. He's not a money person and just lets me handle it all. It's also a free for all because he totes the bank card around and never checks the bank balance, never asks if we have enough to cover whatever he is spending. He's like a child. Just goes and blows every day. Thankfully, he just buys essentials like work lunches, gas, and bandage supplies for his diabetic foot but it drives me crazy. I don't have that luxury. I have to know what is in there to spend at all times. Sorry, just venting.
Same
If he just buys essentials then that doesn't really sound like a free for all.
The wife hated having the human ATM sitting there. It was great when he wasn't there. Stay single. Love how it's still his fault. These two turned it around on him gotta love it.
He put blame on both? Which is accurate.
Both were poor communicators.
@@random-nz7dy He should divorce her she doesn't care.
@@random-nz7dy she racked 30K on debt while he worked in less than a month.
If my wife tried to pull that off she would have to disappear for a month before I can look her in the eye.
Or I would leave.
How can that be this guy's fault?
Yes, he should be able to put to the foot down. But also, she shouldn't make financial suicide at age 53.
Typical for trucker wives
@@acruzro95 if the cards were in both there names! How did he not see that?
I feel bad for this guy. God bless us all.
I am always shocked to hear men say they allow the wife to take care of all of the finances. Either take care of it all or at least take care of your own. You need to know what’s happening in your life.
Why should he take care of it all?
im always shocked when men get married. These things usually dont turn out well for the man.
Well I always agree with Dave Dave is Right 100%, however the man came home every so often what did he think was happening with his taxes? I was married to somebody who didn't like paying taxes been down that road and it sure is not fun!!!
It's very nice of you to deal with people who have not prepared for their whole lives and hope to turn that around. You're a stronger person than I.
Took no control or interest in their finances.
Has no mortgage paid off, renting for life.
Zero savings for retirement. 😖
My dad did the taxes but mom paid the bills. He could have not known if she wrote a big check or something
@@georgewagner7787 he could if he asked for proof and verified that everything was done
Most people dont make enough to buy a house, boomer
@@dogguy8603 it really not as hard buying a house as most ppl make it! The hardest part, may be coming up with the down payment but there’s ways to figure that out as well
@@reese85 how do you "figure out" finding 100k for a down payment?
“A lotta pickles in the jar” love dave
He will work forever..no retirement for him
yup he will die of a stress related heart attack before 60
I would get out now before she takes on any more ridiculous debt and also before you pay it off. Divorce while you're still poor so she can't take much and is forced to pay off at least half of the mess she made.
Agreed
He still has to pay, as long as he has a job and an earning potential
I would bet it’s pretty much going to be all on him
I love his accent. I hope he is doing better now.
Cut up the cards today. Call someone to help you clean up the tax mess today. Start paying off the "new" snowball today. Get a written budget today and stick to it today and forever. Talk to your wife about your divorce fantasies today and decide whether it is really a fantasy or something you need to get off your tail and make happen. So get moving! I wish you all the best.
Naw dont even talk, he should quit and then divorce her
Dave is always first to point out weaknesses in the man. Marriage is about duty, among other things. But Dave tends to emphasize the duties of the husband.
Yes, and he tends to not point out the duties of the wife. He seems to miss that a lot.
That's because he takes a bibical standpoint
Fellas man up! It’s not always about bringing down the female, for ish we should have better control on!
@@Hillside-Hive Which I agree with.
Colossians 3:18-19
Wives, submit yourselves unto your own husbands, as it is fit in the Lord. Husbands, love your wives, and be not bitter against them.
Things were different thousands of years ago...try telling a woman what to do nowadays;
He should quit his job, file for divorce, now he has no income to pay alimony. Ex will get no alimony. Once the divorce is finalized, sell all the furniture and items in the apartment. Pay off the bills, split the debts. Move in with a parent, get a new job, accrue retirement funds.
I wouldn't quit working because you need money to live. I would get a divorce in this situation, use any assets to pay off the debt and just accept my situation and try to move on with my life. Unless quitting your job temporarily during the divorce saves you from paying alimony or lessens it then that would be good.
@@littleripper312 Good point. I just think the husband might be on the hook for alimony for the rest of the wife's life because she doesn't have a job. He doesn't have any retirement or savings, so quitting a job might give him a clean slate. As a truck driver, he could get rehired easily later after the divorce is settled.
I had an acquaintance who was married. Her husband came home one day and said work was very stressful. He asked her if it was okay for him to quit the job. Neither was working. She said okay. A week later, he filed for divorce. They divided up the sales proceeds of their home which the husband put in most of the money, but the husband didn't have to paid any alimony. Husband left the state to start a new career.
Best move for him is to leave the country. Ton of American expats who fled alimony payments living in Philippines and Thailand
Now if it was a woman calling with this issue they would say the man showed financial infidelity and that she is not safe because he is not to be trusted.
Yup
Exactly
Yes sir.
Exactly 😂
Yup, and call it financial infidelity. 😉
Sometimes its better not to be married. You can live as a couple. Before I was married, I was financially ok then broke down got divorce. My ex wanted higher beyond means. After divorce I'd struggled pretty hard. Had to pay child support plus support myself. took me 20 years get to a million dollars debt free with pension and savings of $80,000.00 Paid partial of my daughter's college as well her wedding. Her mom didn't do much to my daughter. And I have an hearing disability all my life. I struggled, but I worked hard with my hands in construction field and did studying real estate. If you see a wall, what are you going to do? You either going break thru, go over, go under, go around to accomplish you need to do. Gotta set your goals.
Call the Tax Advocacy if all else fails. They are the IRS, but a middle man of sort. I had to utilize them some years ago to establish a payment plan. However, they have a ridiculous fluctuating interest and penalty fee structure. I paid it down to a point that I was able to borrow a lump sum and pay them off. Then paid the loan back at a fixed rate in about half the time. That’s was a one and done mistake for me. Never again!
Both of them need to be fully aware of the finances.
the sigh that man let out at the @4:36 mark...
i felt his pain....
This is my fifth year after retirement. I’ve been following the 4% rule thing, but this isn’t really how hard I expected things to be. I still have about $460k to invest in stocks. Pls how do I take advantage of the market turnaround?
now you are retired and depend on your investment, it’s best you redistribute your capital. To simplify the process, you could allocate your resources with the help of a financial advisor.
This is really nice. I worry that I have a couple more years before retirement, and I want to switch to using a financial advisor, I could really use the expertise of this advsors.
Thanks, I just googled her full name and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a call.
You shouldn't be drawing down the principal.
HDV, SPYD, VYM. These types of higher yield income appreciate in value and pay you. These are great in retirement. VOO or VUG if you want growth and more risk.
I'm 52 and now feel great about my life.
Ok boomer
@@sashavenka Weak attempt at an insult; I have got news for you, a 52 year old is NOT a boomer.
Me too! 😂
@@David-wo9un Gen X ers have a great life 💪 💯 our mind set it's in the right place
@@sashavenka LOL, dude at least know what generation you're trying to insult
I'm 60....and there is very little I want or need...REally, I just want to retire. Why a woman would go out and spend like a banshee out of the blue... I"m glad my wife is always thrifty and reasonable....
Just end it.
"I guess, I should have been paying more attention to what was going on" -h ahahahhhahahah ya think.
He trusted her. What’s wrong with that?
@@tracy5721 Nothing wrong with trusting someone but there is someone wrong with abdicating ones responsibility and as an adult it is your responsibility to know what is going on. If you do not agree yost look at her situation now and her OWN comment " I guess, I should have been paying more attention to what was going on".
@@clarifyingquestions why can't she be a responsible adult and pay the taxes? Lol
That's a great name for a blue grass country song 🎵
The dude lived the reason why i dont want to marry.
I can feel his anger, grief, the feeling of being betrayed and the frustration of the amount of years wasted with no1 to share it all with.
"I should have been more on top of it" -that's it right there. Making $$ and not knowing where it's going. Ugh!
At 53 he still has some time. He won't be at full retirement age until 67 so he has 14 years. Truck drivers make great money.
"Jar of pickles" 😂😂
She was taking pickles while he was making all the money too.
He comes home from a long shift driving cross country. She stabs him in the back as he walks through the door.
Come on man. How did you not know one of the knives were missing out of the kitchen? Did you count the knives at all? Did you check to see if anyone was hiding behind the door as you walked in?
Sounds like someone needs a crash course in "being a better husband".
😶
I have a husband that drives a truck. I handle all the finances bc he is on the road all the time, it makes it easier for me to keep up with everything . He is literally driving a truck so when is he suppose to pay bills? You have no clue what your talking about unless you have been there. 30 years??? He thought he could trust her.
Dave Ramsey "Baby Steps" is not worth your marriage. You must come to agreement within your own marriage. Not what worked for a baby boomer 30 years ago
Ok mr. skinny jeans
If he was single, he would've been in a good position right about now. She, on the other hand, highly doubt it with her bad habits.
I don't understand why he doesn't have anything saved for retirement. That sounds like it's on him, not her. I think he's probably terrible with money.
Dave cussin now? I love it!!!😂😂😂😂
I was wondering if I was the only one that caught that 👀
When did he cuss
Sounds like some great life planning
Just read the title, laughed out loud and realized I'm doing alright
Why are theses two harsh on the man!? 🤔
Because the bottom line is women are the protected class and men are the throw away class. Women are not required to take responsibility for their bad decisions. You never hear woman up, but you always hear man up! Men, must stop getting married until women start becoming wife material. Simple as that!
I'm not a huge fan of being gone from the house for weeks at a time. You gotta make sure you married someone with some rock solid core morals.
I feel for him, being a truck driver myself I know it’s hard to be on the same page sometimes and he should own up to it, but she is the spoiled apple that cut back on his hard work and sacrifice of being on the road. Hope he’s able to sort things out and get a divorce.
Ah ah, Dave said it is both of them, it takes two to run a great marriage
@@chrysiaroseok lady 😂
Classic Ramsey response. When the man makes a mistake, it’s his problem and he needs to fix it. When the woman betrays the man… it’s the man’s fault for not communicating well and he needs to fix it with her.
If this guy can get out without having to pay her ongoing alimony, he should do so.
Dave secretly has to think woman are grown toddlers that men are responsible for or he wouldn’t always blame the guy🤔🤯🤦🏽♂️
@@SSS-wo2hn Dave Ramsey is a Christian man and follows the Bible very closely, especially about finances and marriage. Men are to be leaders to their wives, and house. So in biblical sense..
Good luck with that these days;
Men wait way too long to leave marriages with no intimacy or respect. Then they get to pay alimony for the rest of their lives. People don’t know they can be on the hook for permanent alimony over 20 years. People should be proactive in trying to heal their marriage, build respect, but if it doesn’t work…don’t wait around for years.
People need financial boundaries. This is so sad.
God does not allow for divorce.
Intimacy after 30 years?
@@danielyounker5371 sheep
Just don't get caught in the marriage trap in the first place.
@@summerforever6736 yeah. I wouldn’t expect my partner to be faithful or stay if I ever withheld or revoked intimacy voluntarily. That’s feels cruel because most people need it. No idea if that’s the case in this scenario.
the good thing he will not lose much in divorce, he dont have anything
I agree with the person that said....pay the IRS and get a divorce ASAP!
If a woman had called in with the same exact scenario, Dave and John would’ve been 100x more sympathetic. Total simps, both of them.
Everyday people are bringing that up. Wish someone would splice together a compilation of the double standards of advice.
No one is making you watch.
Man and woman have different responsiblies
Man and woman have different responsiblies
What are you talking about? Watch 4:30 mins in- did you watch the whole video?
"I'm thirty-thousand dollars in debt to the IRS for taxes she didn't't pay!" 😄😄😄
I feel for people like Donny, because I have been there.
Show is sad. Dave and John could care less about this caller. They enjoy bashing men when a women calls in. "Are you safe"
They really need to quit giving marital advice.
I was over the road before retirement. Divorced that broad which turned out great. Put my nose to the grindstone and 18 yrs later. Retirement is fine
Men, just another reason why marriage isn’t worth it….
Its a headache! !
61 years old. I have $295,588.25 in my Fidelity retirement account. I cranked my contributions up to 35% and I do all the investing on my own. Fidelity just holds my ETFs/stocks. I made that change earlier this year. I'm hoping to end the rat race by 60 but it's looking more like 63-ish. I want to have $1.5M and bring in about $60k in dividends each year. Pedal to the floor! Thanks for the video. Great content.
Investors should exercise caution with their exposure and exercise caution when considering new investments, particularly during periods of inflation. It is advisable to seek guidance from a professional or trusted advisor in order to navigate this recession and achieve potential high yields.
I agree, having a portfolio-advisor for investing is genius! Not long ago amidst the pandemic crash in March 2020, I was really having investing nightmare prior touching base with a license portfolio-advisor. In a nutshell, i've accrued over $550k with the help of my advisor from an initial $120k investment thus far.
@@maryHenokNft Do you mind sharing info on the adviser who assisted you?
Definitely! All of this happened in less than a year after *gertrude margaret quinto* told me what to do. I started with less than $100,000, and now I'm about 17,000 short of having a quarter million dollars.
I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.
Why does it constantly sound like your always taking the women’s side? Clearly this poor guy needs a divorce, and it’s not his fault.
Dave expects a man to be straightened out. Doesn't expect much of a woman at all.
He made a vow before God and needs to keep it. So does she. It’s that simple.
The best investment I ever made was alimony. When I was married she had 100% of my income. After divorce she only received 60% of my income. I took control of 40% of my income and started prospering.
Yea this is why im never getting married lol
Y'all are doing the dance of the victims.... - great phrase
Lots of blaming his wife. He says "she wanted to move into a house" and he acts like he is some submissive baby and it is all her fault.
Well she's the one who ran up debt and and didn't pay taxes. Explain to me how this isn't literally all her fault.
Oh you know what sorry, I figured it out. He trusted his wife, how stupid.
Keep simping
@@xenn4985 correct. This doctor is a literal clown.
Dude they say happy life happy wife.
If he tries to block her dreams then he is the bad guy too either way.
Nonsense.
you never lived with a woman, she literally will not stop bitchin about new house at which point you will buy 500k house or whatever just so she will shut up.
Sounds like the WIFE is a symptom.. Get rid of her.
Another reason to not combine money
yup...blame the man...
Do you have a life insurance policy on your wife and does it pay out with little questions asked?
Good advice.
His wife was cheating while he was on the road. She was in it all for the money 💰. May this guy heal all the way though. She give women a bad name.
Your choice of professions shows what priority you gave your marriage
People calling Dave and John simps and I get what they're saying... but Donny is a MESS. Seriously. What an absolute joker. The guy sank his life and his marriage EVERY bit as much as the wife did.
because his wife betrayed him?
Don’t divorce go to counselling it seems they are just going through a hard time. Make a plan and stick together.
A hard time? She racked up debt in his name and lied by omission about the tax situation. Only a fool would trust someone like that ever again.
I really like Daves compassionate behaviour and John brings other aspects of truth to the discussion.
I guess the solution here is file for divorce 😕 that seems to be the answer to every marital problem these days.
Thanks for break from George. Enjoying this duo & their well-experienced viewpoints -
Both spouses need to work.
This guy wanted to do the right thing, but she was not on board. He does not have a lot of time to start paying off debt and save for retirement.
I hear so many podcasts where divorces are surprisingly common at retirement age.
John Delony always thinks he knows more than he does. Very unimpressive know-it-all.
Dr. Platitude. That is what his PhD is about. The replication of psychology studies is a total joke
That sounds like every single American.
He has backstory
@@joyaustin6581 What? Farting around in academia for decades? Nobody is impressed with worthless degrees in the soft sciences anymore.
Hes clueless. Imagine trying to sound confident but not step on daves toes at the same time.
You need a spine to rock with dave.
Suddenly I feel a lot better about myself🤯
Pay the money to the IRS, then file for divorce.
let her go
Folks the key to retirement is to be out of debt. No mortgage, no auto loans and carry no credit card debt. And setting aside 15% in your Roth or you employer sponsored 401K. This new economy were in is telling us all to pay off debt and go as debt free as possible.