Im the guy in the video🤚, sold my bike this week, got more hours at work, and currently working on getting current on my bills, thank you guys for your advice, helped me a lot, ill call back in the future to tell how well ill be doing😊
you can do this brother . focus on More hours at work . less trying to be ''cool' with fast cars. Like Ramsey says being broke is normal , Be weird . If you need advice , ask 💪🏽💗
@@goforbroke2like i said in the video i used to work at car dealerships so i know a few things some people dont, ig i used that to put myself in a bad position
Stevens Transportation is in Mystquite, Tx, right outside Dallas. They will provide room, board, two meals for 3 weeks while you learn how to back and drive a truck. Week 4 is orientation. Then you go our otr with a trainer. The cost, literally a phone call and 6 months of driving for them. They will greyhound you there next week. Sell all these stupid cars. That way you'll only owe credit card debt back.
You’ll be surprised what banks and car dealers will do. I wanted my then 19 year old daughter to get her own credit card (independent from my account). When we went to the bank, they approve her for $10,000. I wanted them to drop it to $1,000 or $2,000 but they didn’t. Also, month earlier, a car dealership gave her a car loan for $15,000. I was there if she needed a co-signer but she didn’t need one. She was a college student with no job but was approved. I was shocked, even mad that they gave this child these loans. (Disclaimer, her dad was paying the note and I paid the insurance, but still).
@@iamkesha. thats crazy. I hope we are not in a bubble. Because reports have been showing that the purchasing power of Americans is still very high and they correlate it to a great economy. And being disregarded are the record high ave credit card debt and record low savings of Americans.
We all make mistakes; good on you for getting help. We bought a house for $22,000 and moved our family across the country to be debt free. And now I’m sharing our story to inspire others!
Uber has a lot of rules for their cars... they can't be more than 10 years old and they have to have a clean title (no rebuilt or salvaged titles). Delivering pizzas doesn't require that though. On a side note, sometimes you can sneak past the clean title rule for Uber... I have. Lol.
@@Primitive_CodeWrong. They suit her just fine. Whatever you think is wrong with her, Dave Ramsey and Team/Family and the greatest majority of the audience find her perfectly appealing and attractive. Personality and look. Your distaste is another's preferred taste. Life. Oh well. 😊
You can do it. You have to put increasing your income and paying off debt first. Additionally don’t say you can’t and never buy any else on credit. It is very possible and once your done you will be in so much better shape.
Many 50k vehicles are worth about 35-40k after the loan documents are signed. Face it Manuel, when they saw you the "Sucker" Alarm went off in the showroom. If you didn't care about signing up for the car loan, don't expect the salespeople to stop you.
“I make 20k because I don’t know how to do much” is the biggest cope ever. What about the caller a few weeks ago making over $100k picking up dog poop in his neighborhood?
when jade said "get stupid on this debt," i can't be the only one who heard 'michael scott' saying "we're gonna get all stupid up in here!" i've been watching way too many 'the office' YT videos lately. LOL
This guy is making below McDonald's wage at this point, he needs to work a few jobs. Of course they're not going to give him a loan. It's possible he may be illegal and that's why he can't.
The Ramsey net work has made a great hire with this woman Jade. She’s a finance person and sticks to the economics and the common sense. It’s a shame that they continue to pair her with Dr. baloney.
Don’t hate on that man Delony. His approach is different, but he can read the psychology of people incredibly well within an extraordinarily short window.
Dr. John Delony has done way more than you will ever do in your lifetime. You can continue to hate him and be a keyboard warrior with the word gaming in your username. You haven’t saved people from suicide, or talked somebody down from a building like Delony has nor have you run with the police department doing death notifications. It’s okay though keep being a keyboard warrior. Says way more about your character than the great and wonderful Delony!
Slowing the spending is easy. Sell both vehicles, take whatever the hit is. Your problem will be cut into a fraction. You’re going to be upside down but a $15,000 hole is better than a $55,000 hole. The income will be easy to improve as well. You can get $30,000 with just 40 hours a week at any random job. That’s already 50% more money and soon you can have a CDL. Just do it. Edit: somebody below pointed out it might be cheapest to sell the car but keep the motorcycle instead of buying a replacement car. Might also make sense.
Sound young enough to get 3 jobs. I worked at the airport, dominos pizza, and Autozone. Find a side hustle skill. Example teach something, clean houses, something.
They really should have been more clear about selling the vehicles. He kept saying "they'll give me". That very much sounds like he's trying to sell it back to the dealer, which is not at all what he should be doing. He needs private party sales.
When you to deep in the hole only option is more income my friend. I’ve buried myself into a hole with ptsd depression anxiety and a pathological compulsive gambling addiction to top it off. I’ve been there not feeling worth a shite. Complete failure fruitless useless hollowed out by failed ambitions and failed loves. First thing is addressing my addiction and next is mental health
Yeah, go tell a girlfriend he is controlling his spending, working more so less time with her, and spending less on her...guessing she won't be around long.
Being depressed is an excuse. There are far too many people getting into truck that should NOT!!! You don't know how to do much.... You REALLY don't need to get into trucking!!!
I believe the greatest barrier to getting a commercial license is passing the drug test. Marijuana causes depression. Get with the program. Of course, the hosts cannot say this.
22 years old and you are not missing anything. Quit trying to impress people! Get your cdl, sell everything you got and dump girlfriend! Find a company that pays good and live in that truck. Don’t get out of that trucking until you are debt free!!!!!
Nah, John's wrong; this dude IS a screw up. These losers calling in, acknowledging that they did something dumb, knowing that it was dumb at that time, is the definition of "screw-up". Just like AA; acknowledging, is the first step.
Texas uses the federal minimum wage. $7.25. Where I live, Target pays $15.50/hr to start. In Texas, the average salary for Target is $10.76. Minimum wage sets the salary for all other jobs. This is why we need to increase the Federal Minium Wage.
I’m not sure if that was sarcasm or not but if it wasn’t, I’ll say I agree where it provides a balanced view from qualified people like here with Dave’s team. Jade’s perspective as an intelligent person who happens to be a woman and of color is different from the others but she’s not here to check off boxes. Dave’s too smart for that. She knows debt and finance so she gives great advice with flair.
I work in a town with many illegals and they all have new vehicles. I wonder the same thing. I live in another county and all their vehicles have the same county tag number, too.
Im the guy in the video🤚, sold my bike this week, got more hours at work, and currently working on getting current on my bills, thank you guys for your advice, helped me a lot, ill call back in the future to tell how well ill be doing😊
You got this!
you can do this brother . focus on More hours at work . less trying to be ''cool' with fast cars. Like Ramsey says being broke is normal , Be weird . If you need advice , ask 💪🏽💗
You’re a wild dude buying a 50K car making only 20K a year. How you got approved for that loan is shady as hell.😂
Heck yea man you got this buckle down and get lean and mean 😊
@@goforbroke2like i said in the video i used to work at car dealerships so i know a few things some people dont, ig i used that to put myself in a bad position
Stevens Transportation is in Mystquite, Tx, right outside Dallas. They will provide room, board, two meals for 3 weeks while you learn how to back and drive a truck. Week 4 is orientation. Then you go our otr with a trainer. The cost, literally a phone call and 6 months of driving for them. They will greyhound you there next week. Sell all these stupid cars. That way you'll only owe credit card debt back.
Manuel, you are worth more than this. You are valuable and worthy of a livable income.
How do u know that?
I really have come to like/appreciate Jade and her take on things; she is awesome!
She is so practical 🎉
These hosts are truly great people
Whoever gave this man a loan that big, double his annual income is just cruel. You know they cant make it but still sign them on for your commission.
You’ll be surprised what banks and car dealers will do. I wanted my then 19 year old daughter to get her own credit card (independent from my account). When we went to the bank, they approve her for $10,000. I wanted them to drop it to $1,000 or $2,000 but they didn’t. Also, month earlier, a car dealership gave her a car loan for $15,000. I was there if she needed a co-signer but she didn’t need one. She was a college student with no job but was approved. I was shocked, even mad that they gave this child these loans. (Disclaimer, her dad was paying the note and I paid the insurance, but still).
Alex give me predatory lending for 500
@@iamkesha. thats crazy. I hope we are not in a bubble. Because reports have been showing that the purchasing power of Americans is still very high and they correlate it to a great economy. And being disregarded are the record high ave credit card debt and record low savings of Americans.
How in the world did he get a loan for a $50k car only making $20K?
Anyone with a pen can get a car loan with 87%apr
I don't understand the process, I got approved for a home loan for half a mil and it would have been well over half my take home pay.
That's modern America for you
Car dealer will always find someone to finance.
@@elizabetha8565the banks will give you just enough rope..
We all make mistakes; good on you for getting help. We bought a house for $22,000 and moved our family across the country to be debt free. And now I’m sharing our story to inspire others!
Poor thing! It seems his self esteem is to the ground!! I hope he increases his esteem and be confident to take over the world.
Dude, you can go make 30k a year working fast food, absolutely no reason you can't make more than 20k a year.
For real...my 19 year old son pushed carts for 90 days over the summer break at Costco.....$8,000.....enough for the Roth IRA.
no kidding. Minimum wage in my state is $15.74 an hour. 30K a year if not more is very dooable.
He said he's working on getting his CDL. That should net him significantly more eventually.
@@fortunateson2a basic cdl in my state is 10 weeks. He can push carts when not in class and still make more than 20k a year
Love me some Jay and John. The Ramsey team is so helpful and knowledgeable. Great job you guys.
That's a great team👍
*Jade
“First sell your car then go drive for Uber” 😂
well you can't really make much with Uber if you use a 50k car. Imagine the depreciation
Sell the motorcycle! Then sell the car! You don't need a new car to door dash!
@@wheel-man5319right
Uber has a lot of rules for their cars... they can't be more than 10 years old and they have to have a clean title (no rebuilt or salvaged titles). Delivering pizzas doesn't require that though. On a side note, sometimes you can sneak past the clean title rule for Uber... I have. Lol.
Right!
Jade is an outstanding host. Enjoy listening to her.
Easy on the eyes as well
@@richthepupneeds another hairdo though. Those braids don't look good neither does the fro.
@@richthepup VERY easy on the eyes. I have a hard time concentrating on the show most times .....
@@Primitive_CodeWrong. They suit her just fine. Whatever you think is wrong with her, Dave Ramsey and Team/Family and the greatest majority of the audience find her perfectly appealing and attractive. Personality and look. Your distaste is another's preferred taste. Life. Oh well. 😊
I'd date her any day. Of course she wouldn't day me even if she was single.
You can do it. You have to put increasing your income and paying off debt first.
Additionally don’t say you can’t and never buy any else on credit. It is very possible and once your done you will be in so much better shape.
The advice was make more money? Oh why didn’t I think of that, brilliant
Ouch! Just ouch.
Many 50k vehicles are worth about 35-40k after the loan documents are signed.
Face it Manuel, when they saw you the "Sucker" Alarm went off in the showroom.
If you didn't care about signing up for the car loan, don't expect the salespeople to stop you.
“I make 20k because I don’t know how to do much” is the biggest cope ever. What about the caller a few weeks ago making over $100k picking up dog poop in his neighborhood?
He lied
Obbiously
when jade said "get stupid on this debt," i can't be the only one who heard 'michael scott' saying "we're gonna get all stupid up in here!" i've been watching way too many 'the office' YT videos lately. LOL
Body language between Dr. John and Jade is becoming warmer. More flow between them. Lovely.
Can’t wait to see them on porn hub
How does he get loans with 20k salary
$50k car on a $20k salary?! 😳
Something is missing.
Hispanic so family cosigner probably
No dealership will touch him unless he has a co-signor.
Yes true co signer for sure
If he's in TX (and legally in the US), he could work at Buc-ee's. I hear they pay quite well, esp if he's willing to work his way up the ladder.
They are very selective in whom they hire
Delony says "Bye Felicia" when it doesn't even apply in this scenario 4:08 come on man lol
What is "bye Felicia"?
Lol, I was thinking this. He clearly doesn’t even know it means 😭😩
Yeah, I quite didn't understand the application in this case. Is he supposed to just dismiss his girlfriend as unimportant? What did he mean by that?
@@SerErrykFriday
@@SerErryk lol
I LOVE John D. Because He DOESN'T BUY EXCUSES.🤗
Save the drama for your momma
This guy is making below McDonald's wage at this point, he needs to work a few jobs. Of course they're not going to give him a loan. It's possible he may be illegal and that's why he can't.
then he would not be able to get sdl. I think he just does part time.
The Ramsey net work has made a great hire with this woman Jade. She’s a finance person and sticks to the economics and the common sense. It’s a shame that they continue to pair her with Dr. baloney.
Don’t hate on that man Delony. His approach is different, but he can read the psychology of people incredibly well within an extraordinarily short window.
Dr. John Delony has done way more than you will ever do in your lifetime. You can continue to hate him and be a keyboard warrior with the word gaming in your username. You haven’t saved people from suicide, or talked somebody down from a building like Delony has nor have you run with the police department doing death notifications. It’s okay though keep being a keyboard warrior. Says way more about your character than the great and wonderful Delony!
Love Jade best person on this show!
Slowing the spending is easy. Sell both vehicles, take whatever the hit is. Your problem will be cut into a fraction. You’re going to be upside down but a $15,000 hole is better than a $55,000 hole.
The income will be easy to improve as well. You can get $30,000 with just 40 hours a week at any random job. That’s already 50% more money and soon you can have a CDL.
Just do it.
Edit: somebody below pointed out it might be cheapest to sell the car but keep the motorcycle instead of buying a replacement car. Might also make sense.
How could he buy all these things on $20K???
Makes 20k only? How is he living? Who would give a car loan on that income?
I bet he’s sort of lazy & depressed & girlfriend is financing him.
You’ll be surprised. Banks and car dealers are in the business of setting people up for failure.
@@lexalee5795 those are alot of assumptions
@@stephon972 ok and? So What….
@@lexalee5795 exactly so what....
This guy isn't going to do any of this. He wanted y'all to make all this go away.
Sound young enough to get 3 jobs. I worked at the airport, dominos pizza, and Autozone. Find a side hustle skill. Example teach something, clean houses, something.
Hey caller, are you safe?
Oh snap! Didn’t know Delony had a tattoo.
Jade, My mouth fell open when I heard you say how much money you and your husband owed. How did you do it???
The companies who approve folks earning 20k for 50k of credit need forcibly closing down. Immoral ursery.
Some falsify their income.
Jade recommends a credit card shes soo fired😂😂
Jade is killing this look !
ANY second hand car “dealership” will finance anybody no matter their income/debt.
20K is just too little...can't do anything with that.
Dr. D sporting the Tat now that papa Dave is gone.
Dave hasn't gone anywhere
They really should have been more clear about selling the vehicles. He kept saying "they'll give me". That very much sounds like he's trying to sell it back to the dealer, which is not at all what he should be doing. He needs private party sales.
When you to deep in the hole only option is more income my friend. I’ve buried myself into a hole with ptsd depression anxiety and a pathological compulsive gambling addiction to top it off. I’ve been there not feeling worth a shite. Complete failure fruitless useless hollowed out by failed ambitions and failed loves. First thing is addressing my addiction and next is mental health
I have a girlfriend that don’t count, honestly how rude can you be.
Wait, if he sells his car how will be do uber or deliver pizzas in a motorcycle?
Trying to grow up to fast and don’t have enough work experience to buy these things
Go Jade…. I love it 😍
Immediately sell the car and then deliver pizzas in the evening for an extra $1500 a month
Yeah, go tell a girlfriend he is controlling his spending, working more so less time with her, and spending less on her...guessing she won't be around long.
Don't tell me no way Jose
John and Jade are the magic combo.
He’s not going to do any thing you suggested
✝️
What's the situation in Mexico? Is it hard to make a living these days?
Miss me with you need a 50k car to navigate a city you only make 20k a year in. Huston got busses, scooters, bike lanes and sidewalks.
You can get hired off the street at McDonald's and make more than $20k a year.
7:03 that hair flip alone just changed my life already. queen
is he legal?
Are you?
Being depressed is an excuse. There are far too many people getting into truck that should NOT!!! You don't know how to do much.... You REALLY don't need to get into trucking!!!
Why not sell the car and just get around on the motorcycle? Cheaper gas and maintenance
I would sell the car and keep the bike.
I believe the greatest barrier to getting a commercial license is passing the drug test. Marijuana causes depression. Get with the program. Of course, the hosts cannot say this.
spend less, work more
This guy owes everything to everybody but refuses to work
No seas guey Manuel
Jade and John for the Win!!! The 2 best along with George and Racheal of course....but Jade and John are the best team IMO
22 years old and you are not missing anything. Quit trying to impress people! Get your cdl, sell everything you got and dump girlfriend! Find a company that pays good and live in that truck. Don’t get out of that trucking until you are debt free!!!!!
I thought he said $7k
Guess not!
Needs to enter some sort of program like college, church, real life group etc. Most likely parents were out of his picture at a very young age.
😂 such a dumb response
God no, not college.
Sell the car, keep the motorcycle. It's cheaper to own motorcycle than a car
Not a terrible idea actually.
Nah, John's wrong; this dude IS a screw up. These losers calling in, acknowledging that they did something dumb, knowing that it was dumb at that time, is the definition of "screw-up".
Just like AA; acknowledging, is the first step.
They hung up on him? 😭
This man is Dominican 🤣
This show is done for once Dave retires.
I like all of the hosts to some extent but especially Jade, George and Dave’s daughter.
You sound like the people who in 1993 said this show would never last
@@amireallythatgrumpy6508 WTN, and Roy, Nashville 99.7
Mistakes were made but do we all feel SaFe with DR BOLOGNA?
Dude sounds like a barista..
less than 20k a year hahahahahaha has a nice car and motorcycle
Easy solution find a man with no debt and a good job making your husband boom takes care of it self. Oh wait.
Texas uses the federal minimum wage. $7.25. Where I live, Target pays $15.50/hr to start. In Texas, the average salary for Target is $10.76. Minimum wage sets the salary for all other jobs. This is why we need to increase the Federal Minium Wage.
I like Jade! She is waaaay better than George
I like George and Ken. They're way better than Jade and John.
3rd
Love diversity
I’m not sure if that was sarcasm or not but if it wasn’t, I’ll say I agree where it provides a balanced view from qualified people like here with Dave’s team. Jade’s perspective as an intelligent person who happens to be a woman and of color is different from the others but she’s not here to check off boxes. Dave’s too smart for that. She knows debt and finance so she gives great advice with flair.
Omg $7000 only
70000, not 7000
Holy crap I don't blame him I blame the idiots that lent him that money lol.
I mean... yes you can blame him. He made these terrible choices
He's illegal which is why he can only make 20k.
How would he qualify for auto loans??
that’s quite the assumption
I work in a town with many illegals and they all have new vehicles. I wonder the same thing. I live in another county and all their vehicles have the same county tag number, too.
@@pspT61family cosigner
@@Gottaknow That's probably cartel money they're getting...
First