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Which Debt Do I Need To Pay Off First?

6984 ratings | 903728 views
Learn to budget, beat debt, & build a legacy. Visit the online store today: https://goo.gl/GjPwhe Subscribe to stay up to date with the latest videos: http://www.youtube.com/user/DaveRamseyShow?sub_confirmation=1 Welcome to The Dave Ramsey Show like you've never seen it before. The show live streams on YouTube M-F 2-5pm ET! Watch Dave live in studio every day and see behind-the-scenes action from Dave's producers. Watch video profiles of debt-free callers and see them call in live from Ramsey Solutions. During breaks, you'll see exclusive content from people like Rachel Cruze, and Chris Hogan, Christy Wright and Chris Brown —as well as all kinds of other video pieces that we'll unveil every day. The Dave Ramsey Show channel will change the way you experience one of the most popular radio shows in the country!
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Text Comments (727)
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
Kitty91 (3 months ago)
How can I call you ?
Honesty Hope (7 months ago)
How do I call in?
Aleksandar Lazić (1 year ago)
Not certain about the points made but ,if anyone else is searching for your credit report try Magonsi Credit Magic Expert (do a search on google ) ? Ive heard some decent things about it and my colleague got amazing success with it.
A D (14 hours ago)
She needs to get a J O B!
Mitrovik Lawrence (2 days ago)
I’m glad [email protected] paid my debts was incredible with unique techniques
Fee Flava (2 days ago)
So much respect for Mr. Ramsey. He tells it like it is & breaks things down where we can FULLY understand. 💚
Okie Rider (2 days ago)
Dave should do an update on the callers' situation to see if any thing has changed. Sometimes, Dave is a bit rude to his callers. Not very Christian-like of him.
nate (2 days ago)
This is the type of how that will graduate, get a job, then dump her husband because "he is suppressing her independent spirit".
Prophetic Insights (3 days ago)
130k debt gone! Wealth transfer Do you qualify?
Prophet YouTube (7 days ago)
Yep, American high schools and colleges teach nothing about reality!
Kobe Kile (7 days ago)
And i thought my 3k in debt was bad
Kate Smith (8 days ago)
Best recommendation for debt clearing and credit repair,fast and reliable service
Wiley addys (9 days ago)
Markoffice01ATYahoodotcom removes debts , collections and fixes score
Anna Dee (13 days ago)
She doesn’t want to work. Her job is going to college.
Tolindra Collins (18 days ago)
Living outside of your means trying to please the outside people.
Tolindra Collins (18 days ago)
Lol, do not go to school unless its for business, medical, or marketing. Outside of that youre trying it.
toober (18 days ago)
Thank God for student loans...what else would drive the US economy?
Andy Gomez (22 days ago)
Dude and I'm here stressing 15k in debt from an undergraduate engineering degree that's still in deferment for a year because I'm getting a masters for free that I finish in 6 months.......nah I'm good long as I keep chipping away at that every month :)
Clif B. (22 days ago)
You bought the wrong cars
Ms Money Boss (29 days ago)
thanks for this awesome and helpful video!
Karl winters (29 days ago)
I paid off all my debts by hackmax001 @ yahoo com 🤞🤞
Jesus 97 (1 month ago)
140k in debt and I’m here stressing over 1,500 lol
Ashok Fabrics (1 month ago)
Please send me ticket too
Barbara Palmer (1 month ago)
People need to understand there is a way to get a degree without debt. Buy what is reasonable, ie; SECOND-HAND CARS. Cars are nightmares to so many folks. Math and numbers are basic. Parents! you can teach your kids to manage money!
Mary Sebatindira (1 month ago)
I would tell this lady to get on income based loan repayment plan. Also after 10 yrs working at non profit you can have remainder of loans forgiven.
S Flow (1 month ago)
Enough with the excuses, go to work! Put that child in daycare or ask a family member to help and go get a job. It takes TWO in this expensive world!
kimchee94112 (1 month ago)
First rule of of financial freedom: Never lose money – Warren Buffett Second rule of of financial freedom: Never marry a woman like her – Common Sense Third rule of of financial freedom: Repeat First and second rules – The Financial “DO” loop
Cheri Scott (1 month ago)
How do you get rid of the cars?
KesiaT. (1 month ago)
Why you need a masters degree to be a stay at home mom?
Rayn George (1 month ago)
Brian, is great, he payed my credit card balance, my student loan and even loaded my bank account, text him on 2675784862
Kathy Meyer (1 month ago)
everyone is saying this lady should go out and work. day care for 3 kids would be as much as a mortgage payment.
R D (2 months ago)
“You’re getting a degree you don’t plan on using?” 🤣 he has no filter!
Monika Rodz (2 months ago)
Dang i don't feel so bad about my household situation. I'm a mom with a full time job. We gotta make sacrifices as a mom/dad/family. She gotta find a job period
Chad Harkin (2 months ago)
Don’t listen to Dave. You’ll live a miserable life. Turn on Grant Cardone and excel your wealth. Dave teaches you all debt is bad. Use good debt and get rich.
Chad Harkin (2 months ago)
Austin Smith only if you have bad debt. You should read Rich Dad Poor Dad. You’ll learn to use debt (good debt) to leverage your investments to build real wealth. I know because I’ve done it. Check it out.
「Austin Smith」 (2 months ago)
debt is slavery
Natasha S (2 months ago)
She has accrued all the student loan debt n HE has to pay it off for her...it sounds obvious that she doesn't want to work n jys wants to stay home
Andrew E. (2 months ago)
Hope she bought herself a new car. Trade in and have the balance rolled into a new car. Yeah, that's the ticket!
adalycean (2 months ago)
Amerecan way of life ,, loan loan loan
Economics need to be tought in middle schools through highschool
Zadi Belger (2 months ago)
This is facts
Rayn George (2 months ago)
I contacted brian when i was in a debt of $ 15,300 on my credit card, he payed it off, here is his number 2675784862
Pathsy Martin (3 months ago)
“You are rapidly running into the ditch!”😩😩😂
Terrie Stafford (3 months ago)
WOW! Oh my goodness! I can hardly listen to this. Construction in most places are not all year. Wow!
Deepsoul 32 (3 months ago)
Why not get an at home job to help??? Duh
Tanya Parker (3 months ago)
I love you Dave Ramsey and so glad I found your YouTube page when exploring investment options! I used to listen to you all the time on the radio about 20 years ago!
Denise S (3 months ago)
Listen and learn!
Dennis Clayman (5 days ago)
[email protected] been helping me with their excellence 😊
Oscar Serebour (3 months ago)
You don't need Dave Ramsey, you need Jesus ! Fix it Lord
cocobutter Chin (1 month ago)
Oscar Serebour She need common sense.
Kitty91 (3 months ago)
How can I call Dave??? I need help Dave !
Michael Esteves (3 months ago)
Get a job woman!!!! You are not his help meet!!!
jwebby85 (3 months 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 (3 months ago)
Get a job and help your husband pay off YOUR student loans
MyJourney Z (3 months ago)
Starting off as a counselor she’s only be making 65k
Victoria Holden (3 months ago)
Cars seem to be a modern day status medal
Joshua Garner (3 months 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 (4 months ago)
Dave is not very smart ha Smart like a tractor ..don't let him fool ya :)
Lilly Cham (4 months ago)
If you are staying at home do you need that expensive car? This is scary 😖
Holly Wood (4 months 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 (4 months ago)
任戰 (4 months ago)
the debt we owe to God
oblady1 (4 months 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 (4 months ago)
Moral of the story don't have kids and you won't be broke. Duh.
Antunesia Harris (4 months 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 (4 months ago)
This woman is deficient and is driving and expensive car for someone who's a deadbeat
ANDYWAFFLEZ (4 months ago)
I am $1600 in debt an I am going crazy , can't imagine fuken 6 figures
ANDYWAFFLEZ (1 month ago)
+Jas Web exactly my point 🤣
Jas Web (1 month ago)
$1600 or $16K?  Are you a student, because $1600 is not a lot of money now a days.  What area do you live in and are you working?
Eva Cole (3 months ago)
Have heard good things about this guy helping alot of people get out of bad debt and loans... i think is time i try him out before everything got worse +Jessicca Ernard
Jessicca Ernard (3 months ago)
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Joe Schmo (4 months ago)
1:07 heyooooo
giggs112008 (4 months 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 (4 months ago)
Well stupid that ones easy get a job.
Jeffrey Richardson (4 months ago)
Neither lender nor borrower be Lisa.
michelle white (5 months ago)
If she doing intern then she can work after school. Smh
Arlene Augusta (5 months ago)
These calls make me want to get 10 jobs.
Andrew Keener (5 months ago)
I wouldn't ever see her for counseling. Ever.
Calvin Dike (5 months 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 (5 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.
Cheyenne Cheri (5 months ago)
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 (5 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 (5 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 (5 months ago)
Didn’t answer the question
Poems Jones (5 months ago)
I’m debt free thanks to Dave ramnsey
topballa03 (5 months ago)
Don’t live beyond your needs if your pockets don’t back you up!
Roy Sandoval (5 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 (5 months ago)
Freakin 90k that's what my house cost lol
Nick Badry (5 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 (5 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 (5 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 ?
Alan_1212 (5 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 (6 months ago)
Suing Kevin because of the Truth? You should be ashamed!
Cath HL (6 months ago)
I think she needs... maths lesson first. Thank God he did not just take off and dump them behind.
Christina Brooks (6 months ago)
A used Honda or Toyota is reliable and will cost less than 8k. Be smart not greedy and stupid Jesus Christ.
Fearno Evil (6 months ago)
What is wrong with people!? I can't understand the stupidity! I admire Dave's patients and sympathy.
FortuneSeek3rz (4 months 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 (6 months ago)
Tim Daugherty (6 months ago)
Who needs $50K cars??!
MEthat LovesCats (6 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 (6 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.
B Tab (6 months ago)
Wow and I thought my 3,000 dollar debt was bad
Houman Shariati (6 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 (6 months ago)
$24K truck? Old man who owned Walmart, (Walden?), drove an old beat-up truck for 20 plus years.
Barefoot Prof (6 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 (6 months ago)
Get a vasectomy. Best financial decision one can make.
envyandgreed15 (7 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 (7 months ago)
Save the B.S. So how much do u owe on your cars?
sneak apeak (7 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 (7 months ago)
If she’s a stay at home mom why does she need a new car?
Biff (6 months ago)
Because she wants one. And more kids. And to be able to not work. This woman is unreal.

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