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Which Debt Do I Need To Pay Off First?

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Text Comments (668)
The Dave Ramsey Show (1 year ago)
Make sure to hit the subscribe button and thanks for watching! http://www.youtube.com/user/DaveRamseyShow?sub_confirmation=1
Diana Gonzalez (1 day ago)
How can I call you ?
Honesty Hope (4 months ago)
How do I call in?
Aleksandar Lazić (1 year ago)
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Dennis Clayman (11 hours ago)
[email protected] been helping me with their excellence 😊
Oscar Serebour (1 day ago)
You don't need Dave Ramsey, you need Jesus ! Fix it Lord
Diana Gonzalez (1 day ago)
How can I call Dave??? I need help Dave !
(3 days ago)
James got me out of my debts. I had a negative of 500 on my bank account he paid it off. I mean he cleared it all and also got me some money. James you are the best!!! He can help you just text him on this number 5023733275
Michael Esteves (4 days ago)
Get a job woman!!!! You are not his help meet!!!
jwebby85 (6 days ago)
Her poor husband (and yes he is just as responsible as she is for the debt in regards to the cars) is working himself into an ulcer until she goes back to work full time.
Michelle Stone (17 days ago)
Get a job and help your husband pay off YOUR student loans
MyJourney Z (19 days ago)
Starting off as a counselor she’s only be making 65k
Victoria Holden (19 days ago)
Cars seem to be a modern day status medal
Joshua Garner (19 days ago)
Be sensible brothers and sisters, don't put yourselves in bad situations, and teach your children when they are young so they don't make our mistakes.
William Oliver (24 days ago)
Dave is not very smart ha Smart like a tractor ..don't let him fool ya :)
Lilly Cham (27 days ago)
If you are staying at home do you need that expensive car? This is scary 😖
Holly Wood (29 days ago)
Sell the cars? Mr, you don't have a clue how to manage $. It is manageable over time just like everything else. Yes, they have a child that is of the age that the mother doesn't know when she is going back into the market. However, with her addt'l income - they could very well pay the child care and the remainder toward EITHER Mortgage or Financial Aid.
christopher O'neill (1 month ago)
169709394 (1 month ago)
the debt we owe to God
oblady1 (1 month ago)
That is absolutely crazy. I got a master's but at least I picked a good field of work and enjoy it. I don't work full time but I am feeling good about what I got going on compared to her. Good luck with that honey
Alan_1212 (1 month ago)
Moral of the story don't have kids and you won't be broke. Duh.
Antunesia Harris (1 month ago)
If she is home, I'd suggest she baby sit for another family. It would add income and be a great benefit for another Mom.
MATTY2TIME (1 month ago)
This woman is deficient and is driving and expensive car for someone who's a deadbeat
ANDYWAFFLEZ (1 month ago)
I am $1600 in debt an I am going crazy , can't imagine fuken 6 figures
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Joe Schmo (1 month ago)
1:07 heyooooo
giggs112008 (1 month ago)
My parents always taught me, if you can't afford to buy a car outright...save and wait until you can OR take the bloody bus...less glamorous but you'll be debt free and owing nobody but the bus driver...lol
Cole Willright (1 month ago)
Well stupid that ones easy get a job.
Jeffrey Richardson (1 month ago)
Neither lender nor borrower be Lisa.
michelle white (1 month ago)
If she doing intern then she can work after school. Smh
Arlene Augusta (1 month ago)
These calls make me want to get 10 jobs.
Andrew Keener (1 month ago)
I wouldn't ever see her for counseling. Ever.
Calvin Dike (1 month ago)
She's a stay at home mum. Lose your car. Uber is cheaper anyways if U habe to go somewhere and u can go grocery shopping with ur husband's car. Nobody is perfect but it's your willingness to change that matters.
cattyagent (2 months ago)
Having expensive cars whilst being broke seems to be a common theme here. I don't understand why you have to create debt for a car. You can get a pretty decent car for a couple of thousand bucks if you buy used cars. That's what most people in NZ do. I've never known anyone here who isn't a millionaire who thought if a good idea to acquire a ¥25K auto loan - it's a depreciating asset. Car might be a necessity but the associated debt is not.
Not really happy about these comments... she can defer her loans based on financial hardship for a while till she can start working as well as restructure the payments monthly. You just have to work with them. Cars yes they should go. But it would harm there credit. So refinancing is the best way to go get a lower payment. $66k a year is actually alot of income for a family of 4 there is plenty of room for food. You have to figure there actual income monthly net and budget from there with utilities, phone, etc,. They really arnt that bad off as this guy makes it seem to be. You cannot take your debt as a whole you have to start off small and go big. Those 90k total loans your gonna be paying them for the next 30 years. There are options and life style changes you can make to budget better. With having your own business you really want to focus on saving money as well at least start out with $1000 and go up in case something happens then work on the smaller bills, anything you don't need starbucks, Netflix or cable. I dont know but my math was working just fine. Don't know how they would go bankrupt unless the business folded. Good luck to that family. Your baby isn't going to go hungry. And if she went to work and got a sitter she would be working to pay childcare and in this economy your better off staying home.
MJC Productions (2 months ago)
Ahhh the student loan debt scam. We gotta pay this stuff off or at least down low before we can think of starting a life with marriage and kids. The millennial way
Paul Scillia (2 months ago)
How do I correct myself and get rid of my high price vehicle lease?? And begin to correct my financial issues with other debts
MeLLand Vlogs (2 months ago)
Didn’t answer the question
Poems Jones (2 months ago)
I’m debt free thanks to Dave ramnsey
topballa03 (2 months ago)
Don’t live beyond your needs if your pockets don’t back you up!
Roy Sandoval (2 months ago)
Folks need to get their act together, before getting married, start a family, new car's, new house etc....save a least 6 months of living expenses on the side, buy a good running used car, cook at home more, save money to make a large down payment 30% or more on a fixer up home, kill all your credit card, buy needs stay away from wants etc....and open your ears to Dave....
Nick Badry (2 months ago)
Freakin 90k that's what my house cost lol
Nick Badry (2 months ago)
Vehicles are the quickest way to drive your debt up and make you struggle!
They need to sell one car get rid of it
cynthia brewer (2 months ago)
She has the option with a counseling degree to go into private practice and work for herself. I know plenty of folks did this so they could be home. W ith technology she can also be an online therapist working for herself or as an independent contractor. Counselors are doing this all the time now as a new revenue venture. Teletherapy.
Jimmy (2 months ago)
My wife is the only one that works and I'm disabled on Social Security, we barely live from paycheck to paycheck, my medical Bill's with insurance are astronomical, I think the doctors kept me alive so I could continue to pay toward my medical Bill's. What steps could we take to structure some type of program for some type of relief ?
Gayle Lynch (2 months ago)
These "stay at home moms" are ridiculous.
Alan_1212 (2 months ago)
I bought a used car for $22,500 and I wont ever do that again. If the car isn't 15,000 or less. I wont even look at it.
Henrik Flück (2 months ago)
Suing Kevin because of the Truth? You should be ashamed!
Cath HL (2 months ago)
I think she needs... maths lesson first. Thank God he did not just take off and dump them behind.
Christina Brooks (3 months ago)
A used Honda or Toyota is reliable and will cost less than 8k. Be smart not greedy and stupid Jesus Christ.
What is wrong with people!? I can't understand the stupidity! I admire Dave's patients and sympathy.
FortuneSeek3rz (1 month ago)
Without these types of people Dave doesn't have a radio show. He needs these types of callers. That's where his patience comes from.
Tim Daugherty (3 months ago)
Tim Daugherty (3 months ago)
Who needs $50K cars??!
MEthat LovesCats (3 months ago)
If she's not working she only needs a cheap vehicle. Put that child in daycare or hire a nanny. Get to work. Wear condoms too.
Bob Marslek (3 months ago)
Get a teaching job or work for a non profit and your student loans will be exonerated. Also, you can apply for an Income based repayment plan for your student loans.
Rachel Lee (3 months ago)
Okay but my question is what do I do once I've paid off my loans?? How do I make sure I'm doing the most responsible things with my extra money..
B Tab (3 months ago)
Wow and I thought my 3,000 dollar debt was bad
Houman Shariati (3 months ago)
I came across tons of YouTube on how to pay off your mortgage within 5 to 10 years flip flopping between HELOC and mortgage. I would like your thoughts on it.
Barefoot Prof (3 months ago)
$24K truck? Old man who owned Walmart, (Walden?), drove an old beat-up truck for 20 plus years.
Barefoot Prof (3 months ago)
Educational loans are such scams. Check how much you will be making before you sign. Your education may never pay off your loan. So, go part time and pay with your own money. It takes longer but you don't have to do what the lemmings are doing.
Skankhunt42 (3 months ago)
Get a vasectomy. Best financial decision one can make.
envyandgreed15 (3 months ago)
if stuff like this was taught in school the world would be better .the thing is since its not we need to take it upon ourself to teach our kids and each other it so we can stand up against banks and cc.
BIGDreTV Channel (3 months ago)
Save the B.S. So how much do u owe on your cars?
sneak apeak (4 months ago)
It is not her Debt, she needs to stop having kids, when you do not have money, women are very dumb when it comes to money all they do is to spend, but you can't blame her that's what they do, its the man fault that she like that ,put her on birth control.
Clemsonshawty (4 months ago)
If she’s a stay at home mom why does she need a new car?
Biff (3 months ago)
Because she wants one. And more kids. And to be able to not work. This woman is unreal.
1 23 (4 months ago)
That degree though 😫 hella expensive and no idea what the earning potential is going to be or when it's going to be used.
Fleur Elise (4 months ago)
When people are scared enough to call Dave, but aren't so scared that they don't see the need to make major changes.....there is some huge disconnect there. She has a car, but she isn't working? Ok
Gary O'Driscoll (4 months ago)
Such an insecure couple! Who needs a car like that to feel special? Lol! Do we want people like this reproducing? 🤔
big spoon (4 months ago)
I've watched many of these videos and it always seems, to me, it is car the loans that throw these people into financial trouble.
Arthur Arnold (4 months ago)
I'm not questioning his/ your advice, but how does getting rid of the cars help? I'd say 9 out of 10 or even 10 out of 10 times the car is upside down. So you still have to pay the difference, plus have the money to get used/ reliable cars. In most cases, I don't see how the majority of people in debt could pull this off. So what is the process in making this happen? I'm really curious and not asking to be argumentative.
DESI NICHOLLS (4 months ago)
the answer is obvious! get a job and turn in your cars and get something cheaper. people are always sitting there trying to one up each other. its okay to drive a beatup car that gets u to point A to B.
Sonie Maikami (4 months ago)
My dad make $300,000 a year and my mom make $80,000 but our family never buy a car that cost more than $12,000! I chose to go to in state college because I didn’t want to take out too many student loan and I was able to move out, afford a car and everything on my own when I was 21! This family are fully grown adult with two kids! How can they not know that buying a $27,000 car is out rages!! And her student loan is just insane, someone should have sit down with her and explain that $300-$400 a month on student loan on top of rent, car payment and everything else is impossible. Unless you’re going to make $200,000, this is not worth it.
k brown .brown (4 months ago)
talk about sink or swim... image means everything over finances. for some people. I can't keep up with jones's...Student loans are a rip off.. most people never work in the field they have a degree in outside of social /physiological work .. the average Billionaire does not have a degree
Jimits123 (4 months ago)
Our university is free.....and your supposed to be the best country in the world?
Connor Riccilli (4 months ago)
Currently in a 2007 Hummer H3, going to be selling it for a cheap fuel efficient sedan that will end up saving me money in the long run
LAVIN20 (4 months ago)
Millennials and their degrees. High debt for degrees that they themselves are devaluing.
Samuel Iam (4 months ago)
*'Stupidity is its own reward'* ~ My dad
PlanesTrains Automobiles (4 months ago)
All that debt and only one income. That's crazy!
Brian Joyce (4 months ago)
Dave Ramsey financial advice should be a required course for anyone that works studies lives in these United States
Nora Galvan (4 months ago)
Why do you get a car loan with a student loan that large? People PAY OFF A LOAN FIRST BEFORE PULLING OUT ANOTHER LOAN SPECIALLY IF YOU ARE IN COLLEGE. Get the car first or get pay the degree first. I paid my $26,000 car loan in a year and saving up $100,000 for a mortgage down payment. And I'm going to school and managing my student debt so I can leave school in debt less than 20k. This is also silicon valley where apartments are $2,000-$3,000 a month. If I can make it work she needs to step it up. My car is paid off and my mortgage down payment will be ready for when I go back to College
Rolando Solis (4 months ago)
I dont want to have their lifes
Anesha Brown (4 months ago)
This is crazy to me. I'm not judging her. She threw me for a loop when she said she did not know how much she was going to be making and she had a "surprise" baby. At a certain age babies are not a surprise. You were in debt and you had another child. Write out a budget, get a babysitter, get a job, and tackle that debt. I can only imaginge the stress that the husband is in.
A. Smith (4 months ago)
So do you think that because she doesn't work she is not stressed? She and her husband both decided to have kids, if he's so stressed he should get a vasectomy. You shouldn't feel sorry for someone who is living above their means. He could make more money. It's not all on her.
jediknight38 (4 months ago)
With a debt that is over $140,000, both the husband and wife should BOTH be working!
J. B (4 months ago)
You are a horrible advisor.
HELLO BYE (4 months ago)
Move to nz interest free student loan debt until and start working
Mrs. Shaniee Kennedy (4 months ago)
Like how did you get the credit to even buy a car in the 20k range????
Gabriel Godin (4 months ago)
Ok. Let's say her husband sell his truck. He still have to buy a decent truck unless he wants to lose contracts: potential costumers do not like old trucks that are falling apart. So he buys a 10k truck. Does he pay it cash ? No. They don't have cash. So he borrows it, but interests rate are higher for second hand vehicles than new ones. Plus he will have to spend more to fix it in the incoming months. About her, let's say she sells her car, we don't know if she really need a car to finish her degree and internship, why ? BECAUSE YOU HAVEN'T ASKED HER. Let's say she doesn't. Then there is only one 10k truck to pay for. But let's say she lives in the suburb and there is no good public transportation. Then she buy a 2k Toyota Echo. You haven't told her about that...
Melinda Brown (4 months ago)
They need to get rid of the cars!! And get used cash cars!
PiranhaJaw22 (4 months ago)
"surprised by a little one." ouch.
BIG MO (5 months ago)
Sell your car before you call Dave 😂
Tatiana Morgan (5 months ago)
Thank you for sharing this with us. I am a Psychology major very close to graduation and with two dependents and debt. I'm making under $1000.00 after deductions things are financially troubling.
Kimm Munsey (5 months ago)
Dave Keep Tellim 💜
Lindsay Pena (5 months ago)
Go to work lady! Omg
Sirius Jones (5 months ago)
Avoid the snowball method. Work on the largest balance first.
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Jovian Riout (5 months ago)
Why all your advice is a sell everything
Dulce D. (5 months ago)
He provides financial classes now?
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Lydia Renee (5 months ago)
How u getting a degree and don’t know how much you’ll be making in your field 🤦🏾‍♀️
Peter Brydon (5 months ago)
Easiest question ever, the one with the highest interest rate.
cresive (5 months ago)
Your cars are fine!
Varnce (5 months ago)
People love these types of videos for the same reason they love the Jerry Springer show, Maury Povich and going to church, bc it makes them feel better about themselves and gives them a chance to judge others. Simple.
Stephy Ann (5 months ago)
I wonder what sign Dave is. I love his straight shooter personality, probly an Arias like myself😏

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