I’ve Dug Myself a Hole and Don’t Know How To Get Out

$200K is a strong income with no minor children in the home. If you can't figure out how to live on $200K, you got bigger problems than just the dollar and cents!

If they made $2 million a year. They would be millions in debt. Nothing would change.

Dave is the Judge Judy of finance

Suddenly my situation is okay.

Dave always cuts to the chase. It's his superpower.

Definitely adding this one to my "watch when you're having a shit day" Playlist

Dave got his 80's rapper pimp jacket on and ready to hurt some feelings out on these streets. Get 'em, Dave!

I propose that if Dave Ramsey is on air, please remove all the sidekicks. Like they don’t need to be there when Dave is present 😂

This call is a perfect example of why Dave is SOOO much better to have on these calls than the other Ramsey personalities. The years and years and years of experience that Dave has lets him zero in on the real issues that the caller has. Jade just seems like she is reading from the Ramsey playbook on what to tell a caller. Too often Jade listens to 30 seconds of a caller and immediately declares "well that right there is your problem" and then ignores anything else the caller has to say. Dave has a real knack for working through the caller's nonsense and uncovering the real issue.

He is one of those people that are just hardwired to live on 150% of what they make. It doesn't matter how much money comes in, he will always want to spend more than that. Until he can fix that, there is no hope.

Eastern Europe mob boss track suit Dave

I don't understand why people call looking for a miracle solution..spend less,that's the real solution,spend less...!

Jack is $140K in debt and he started a woodworking business not to get out of debt but "to fund an early retirement." He's on his second marriage and kids are out of high school, so he's probably in his early 50s, so at most he's got around 10 years remaining to actually retire early. The woodworking business loses money, but Jack keeps pouring money into it. The woodworking business loses money, but Jack puts more time into it than a full-time job. Jack has debt on the trailer used for the business and it's likely that a lot of Jack's money is going into buying woodworking equipment. Dave said it at 7:50. Jack has an expensive hobby that he wishes was a business. Jack, you're hiding from real life in your wood shop.

A big wedding and it wasn’t their first? Hmm. ‘The credit cards are coming back.’ Sneaky little monsters, huh?

Working 8 hours a night and losing 10,000 a year on it. Well that's an easy answer.

I live on a clerk salary in California and it's enough. It blows my mind when I hear people making $200K struggling. Moments like this makes me happy that I am single.

As soon as the guy mentioned the ex-husband, I knew what the problem was; the wife is dragging the ship down with old issues. The guy can’t say that.

I find it hilarious that people get offended when he says their side business is a hobby. If you don't make money, it isn't a business! He would be better off watching TV. He would save $10k per year. Just imagine if he were to get a part time job in the side. Wow!

It’s hard to have sympathy on people who make $200,000 a year and can’t get out of debt 😮

Living beyond their means with debt from a previous marriage.