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Dave was asked about Guard depth performance after watching Buffalo film: I like Dave Canales but DAMN is Dave capable of criticizing a player?Can’t he at least say “wasn’t Chandlers best outing, we need to see improvement”??? How hard is that? Dude got beat on every single play

77,116 görüntüleme • 24 gün önce •via X (Twitter)

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“My Husband Owes $58,000 To 3 Separate Women” Caller : My husband had fathered three children before we got married. He has separate child support orders on all three of them. There's three different moms, and together, it's a combined total debt of $58,000. I didn't know if we should do like your traditional debt snowball I don't want to like pay for one child and the other two are not receiving any money. Dave Ramsey: how much other debt ? Caller : Um, about $5,000. We have a small car loan Dave Ramsey: And what's your household income? Caller : Um, about $35,000. Dave Ramsey: Okay. All right. Um... so just one of you working? Caller : Yeah. I work full-time. I make $17 an hour. Dave Ramsey: Hm. What does he do? Caller : he's always wanted to own his own business, and so this year he decided that he was going to um try and start a landscaping company. Dave Ramsey: Okay. But I mean, did he start it before... before winter? Caller : Yes. he started it in April, and um he was making about $500 to $1,000 a month from that. Dave Ramsey: Okay. So, it's not working out? Caller : No. Dave Ramsey: Okay. And I mean, unless he has a plan to get his income up 10x, he needs to get a job, doesn't he? Caller : Yes. Dave Ramsey: Okay. Yeah. Your nervous laughter tells me he's sitting on his butt not doing that. Dave Ramsey: Well, what exactly is he doing? Caller : Um, well, he is at home,we have two children together. so he is at home with them right now, but um uh while they're at school and stuff Caller : ...he's not really doing much. Dave Ramsey: Bull. If he was marketing his business, he'd be making more than $500. So, as kindly as I can, I need to just say out loud that there's a guy that owes $58,000 for three children that he's not taking care of, and he's doing zero about it, And that's kind of not okay.

Jeff

18,757 görüntüleme • 1 ay önce

Caller: I have a gambling addiction. I haven’t filed taxes in five years. About five years ago, I had $200,000 in gambling winnings. After that, I haven’t filed anything. ​Dave Ramsey: Do you still have a career? ​Caller: I'm retired. ​Dave Ramsey: Okay. Do you have any money? Anything? ​Caller: I've got almost $10,000 in my savings account. ​Dave Ramsey: But you don't have a nest egg other than your pension. ​Caller: No. ​Dave Ramsey: Do you own a home? ​Caller: Yes. About $13,000 is remaining on the mortgage. ​Dave Ramsey: What is it worth? ​Caller: About $300,000. ​Dave Ramsey: And how much is your pension income? ​Caller: $95,000 a year. ​Dave Ramsey: That's good. Are you married? ​Caller: No. ​Dave Ramsey: Have you done something about the gambling addiction itself? Have you quit gambling? ​Caller: I have not. ​Dave Ramsey: Okay. So whatever we do is going to be a temporary fix because that is going to cause further problems. Agreed? ​Caller: Yes, absolutely. ​Dave Ramsey: What kind of gambling are you doing? ​Caller: Slot machines. ​Dave Ramsey: Are you lonely? ​Caller: Yeah. I've been single for quite a while. ​Dave Ramsey: How old are you? Caller: 61. Dave Ramsey: From working with people addicted to anything, I know that 100% of addicts eventually have financial problems. The addiction consumes every department of your life, including your financials. ​I can help you with the money parts of it, but it is a temporary fix until you deal with this. It's not bringing you joy. If you were my buddy sitting down over a cup of coffee, here is what I would tell you to do: Step 1: Get in touch with the Gamblers Anonymous folks in your area. ​Step 2: Find a good local church and start developing a personal relationship with a pastor who can walk with you. ​Step 3: Find a one-on-one professional counselor to help dig into what is really going on so you can get to the other side of this.

Traeyz ♠️

1,051,570 görüntüleme • 1 ay önce

Caller: My husband and I are in way over our heads. We are about $1.3 million in debt with two businesses, a house loan, a car loan, credit cards, and back taxes. ​Dave Ramsey: How old are you guys? How long have you been married? ​Caller: We're both 28, married six years. ​Dave Ramsey: How much do you owe on your home and what's it worth? ​Caller: We owe about $48,000, and it's worth about $250,000. ​Dave Ramsey: What do you owe on your cars and in taxes? ​Caller: Cars is $17,000, taxes is $30,000. ​Dave Ramsey: That means we have a whole bunch of business debt, like $1.2 million worth? On what? ​Caller: My husband was fired four years ago and couldn't find stable work. We started a summer camp in 2022 built with credit card debt. To make that stable, we bought another business's assets for the $1.2m. ​Dave Ramsey: The credit card debt totals how much? ​Caller: About $19,000, and $15,000 of that is from the summer camp. ​Dave Ramsey: You don't own the land on the camp, do you? What kind of income do you make on that? ​Caller: No, sir, we rent the ground. It makes about $200,000 a year. ​Dave Ramsey: And the business that you purchased, what was the assets? Who loaned you $1.2 million for that? ​Caller: It’s event rentals like staging, lights, audiovisual, and inflatables. The SBA loaned it to us. ​Jade Warshaw: Is the camp still operational? Is there a way you can add things for other seasons to earn more? ​Caller: Yes, we still do it every year. We've been trying to, but we've hit a point in the economy where people are trying not to spend as much on fun stuff or childcare. ​Dave Ramsey: Not really true, but being so overwhelmed, I can see how you could start to think that. Lots of people are still renting kid stuff all over the place. The economics at your house suck, and I'm so sorry, honey.

Traeyz ♠️

144,315 görüntüleme • 2 ay önce