22 Minutes of People Living Above Their Means (and Going Broke

Summary

Podcast Summary: "22 Minutes of People Living Above Their Means (and Going Broke)"

Podcast: George Kamel (Ramsey Network)
Air Date: January 16, 2026
Host/Commentator: (Primarily) Dave Ramsey
Theme:
A fast-paced, snarky, and insightful reaction to viral social media videos depicting people making questionable financial choices. Dave Ramsey (with George Kamel’s style and humor) uses real-life scenarios to highlight the pitfalls of living above your means, debunks bad money advice, and offers practical guidance for sustainable wealth.

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Main Themes & Purpose

• Exposing the reality of “living your best life” online:
  Dave Ramsey reacts to videos where people justify or glamorize reckless spending, big purchases, and financial denial, often in the name of motivation, “hustle culture,” or social flexing.

• Offering tough love and practical wisdom:
  With trademark wit, Dave challenges these narratives, providing alternatives grounded in Ramsey values—spend less than you make, don’t buy on credit, and establish real financial security.

• Relatability through humor and pop culture:
  The episode maintains a light, engaging tone, referencing pop culture, internet trends, and poking fun at financial delusions.

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Key Discussion Points & Insights

1. The “Motivational Car Payment” Myth

[00:19–01:48]

• Video: Car enthusiast claims that buying expensive cars you “can’t afford” motivates you to work harder and level up your income.
• Host Reaction (Dave Ramsey):
  • Decries the insanity of buying beyond your means for “motivation:”

    “His premise is buy a car you can't afford. Because then you'll be so stressed because you need more money... Are you not entertained? That is as insane as it sounds.”
    —Dave Ramsey [01:48]

  • Offers the rational alternative—buy a car you can afford (in cash!) and focus energy on building wealth, not chasing payments.
  • Wryly notes, “This guy is not it,” disowning the car bro’s advice as both illogical and unsustainable.

2. Aspirational Comedy — “Underfunded for My Vision”

[03:50–05:02]

• Video: A comedian jokes about being the “budget version” of himself; dreams of a luxury life but lives on “bread and water.”
• Host Reaction:
  • Praises the self-aware humor:

    “I love that he's choosing reality. This is who I want to be. This is where I am today, and I'm gonna make peace with it.”
    —Dave Ramsey [05:02]

  • Breaks down the illusion of shortcuts—real wealth takes time, effort, and discipline, not instant lifestyle upgrades.
  • Relates: “Right now the business is underfunded. And that usually points back to the person in the mirror. Cause we are the business.” [05:02]

3. “Life Hacks” Gone Wrong

[06:45–07:02]

• Video: Young man plans to drink less at the bar by donating blood first—so he “gets drunk faster” and spends less.
• Host Reaction:
  • Shakes his head at the risky decision:

    “Do not recommend. Guys, he’s a legend. Wouldn't call that a little life hack, but I appreciate that he gave blood.”
    —Dave Ramsey [07:02]

  • Engages with the humor in the video and the wild suggestions in the comments (“Donate plasma instead, get money!”).

4. Creative Event-Going On a Budget

[08:12–09:49]

• Video: Someone films a security guard at a Harry Styles concert, noting that working as security lets you attend for free.
• Host Reaction:
  • Validates the “work at the venue” side hustle:

    “That is relatable, though, and actually true. ... You can generally try to get a job working for it, even on a volunteer basis... and then you can usually enjoy the show completely free.”
    —Dave Ramsey [09:49]

  • Gives personal anecdotes about volunteering at events for frugal fun.

5. Parent “Charges” Rent—Secretly Saves It

[09:49–10:37]

• Video: A staged skit where a father charges his son rent during university, secretly saves it, and years later gifts the adult son a mortgage down payment.
• Host Reaction:
  • Applauds the “forced savings” strategy as a loving, practical nudge:

    “Not mad at this idea of charging your kid rent with the idea that you’re going to save it for them... in a perfect world, your kid just learns how to save. That would be ideal. But I’m not mad at the fact that he went, ‘listen, you're a grown adult now. ...pitch in, because this is the real world.’”
    —Dave Ramsey [10:37]

  • Acknowledges the limits and potential for kids to “never move out,” but supports the general premise.

6. Car Maintenance Avoidance

[Post-ad; ~12:50–16:15]

• Video: Young woman ignores alarming car noises (with the radio on blast) because she can't afford repairs.
• Host Reaction:
  • Commiserates with car stress, but stresses the high long-term cost of neglect and the importance of basic car maintenance.
  • Advises: “People are sleeping on the comment section. Keep up with your car maintenance, people, okay? ... Rotate the tires, get your oil changes... Buy used reliable cars in cash, and they get spooked. ...Don’t let the dealer upsell you on fake air filters.”
    —Dave Ramsey [16:15]

7. Choosing Medications Over Vacation

[16:15–18:09]

• Video: “Maria” tells a friend she can’t afford a trip because she has to pay for diabetes medication; friend suggests skipping meds or asking rich relatives.
• Host Reaction:
  • Praises Maria for setting financial boundaries:

    “That's the best part of the whole video is her just owning up to the fact that she can't afford it. ... That’s generosity I can get behind.”
    —Dave Ramsey [16:42]

  • Condemns the lack of support from friends, suggests true friends support choices to prioritize health and savings.

8. “Hallmark Movie Ex-Fiancé” Realness

[18:09–20:53]

• Video: A “villainized” ex-fiancé laments being left for the local Christmas tree farmer, but brags about his strong financial status: maxed out 401k, paid off debt.
• Host Reaction:
  • Delighted by the premise, Dave riffs on the “mergers and acquisitions, not mistletoe and miracles” line:

    “That was his big mistake. He paid off her college debt. ... If you’re not actually married, do not intertwine your finances!”
    —Dave Ramsey [20:20]

  • Lampoons the Patagonia-vest-wearer stereotype, reminds listeners not to merge finances before marriage.

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Notable Quotes & Moments (with Timestamps)

• Car Bro Delusions:

  “That is as insane as it sounds... I call BS on this guy’s entire premise and hypothesis.”
  —Dave Ramsey [01:48]

• Who I Am, If I Could Afford It:

  “Right now I'm just wearing vibes. God and hope, that's the budget.”
  —Comedian [04:52]
  “I love that he's choosing reality... we are the business.”
  —Dave Ramsey [05:02]

• ‘Life Hack’ Parody:

  “Do not recommend, guys. ...Wouldn't call that a life hack, but I appreciate that he gave blood.”
  —Dave Ramsey [07:02]

• Bonus on Hallmark Ex-Fiancé:

  “I believe in mergers and acquisitions, not mistletoe and miracles.”
  —Ex-Fiancé [19:15]
  “That was his big mistake. He paid off her college debt. ... If you're not actually married to someone, please do not intertwine your finances.”
  —Dave Ramsey [20:20]

• Summing Up:

  “The real flex is living on less than you make and focusing on your own money goals instead of trying to impress people you don't even know or like.”
  —Dave Ramsey [20:54]

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Episode Structure & Timestamps

• [00:05] – Introduction and Episode Theme: “Flexing” vs. Financial Reality
• [00:19] – Expensive Car “Motivation” Reaction
• [03:50] – Comedian on “Budget Version” of Self
• [06:45] – Blood Donation “Drinking Hack”
• [08:12] – Security Guard as Free Event Hack
• [09:49] – Parent Saving “Rent” for Kids
• [~12:50] – Car Maintenance Neglect & Financial Consequence
• [16:15] – Trip Skipped for Medication Cost, Friends Unsupportive
• [18:09] – The Ex-Fiancé’s Financial Vengeance
• [20:54] – Final Thoughts: Real Flex is Living Below Your Means

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Tone & Style

• Playful, comedic, and approachable—yet unflinching about accountability.
• Direct language, grounded advice, and pop-culture quips: “I’d rather listen to Mr. Bean than this guy,” “Living on less than you make... that is the real flex.”
• Willing to validate both relatable struggles and celebrate boundary-setting or humble financial wins.

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Conclusion: Key Takeaways

• Don’t fall for “level-up” myths that require spending what you don’t have—you don’t need luxury to chase ambition.
• Become self-aware about your circumstances, accept the “budget version” of yourself, and make peace with where you are financially.
• Boundaries, side hustles, and community support are practical alternatives to overspending.
• Never intertwine finances with someone who isn’t a spouse.
• Living below your means and saving is the real long-term win.

“Choose reality... Act your wage, live on less than you make, stay out of debt, build wealth, so that one day you can actually afford this life.”
—Dave Ramsey [20:54]

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For Further Listening

• Related Episode: “11 Signs You're Probably Broke” (linked at the episode close)

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This summary captures the entertaining spirit, pithy humor, and practical advice that makes George Kamel’s (and Dave Ramsey’s) content both relatable and actionable for anyone wanting to escape the overspending trap.

Transcript

[Dave Ramsey]

One thing that really grinds my gears is seeing people on the Internet flexing like they're living the bougie life, when in reality their bank account is giving broke. So today I'll be reacting to videos that show all the sides of what it looks like to live beyond your means. Let's get into it.

[Car Enthusiast]

Buy expensive cars because they make you work harder. This obviously isn't financial advice, but it's what helped me level up from car to car. I've got. I've always loved cars since I was young and I went from a 2015 428i to an S5B9 and now to this, my 2017 540i and hopefully in a few months will be in an M car. I've heard a few people say buy cars that you can't afford because it makes you work harder. And yeah, I can confirm that's completely true. Well, in my experience, of course, every car that I've owned, I knew deep down that I could actually afford to own it. But I've always scared myself into thinking there's a risk to buy them and I can't actually afford them, especially when it came to the maintenance side of things because some cars are very expensive to maintain. For example, I own my Audi S5 for around a year and it kept on breaking non stop, which in turn racked up some pretty expensive repair bills. This car specifically made me work even harder and it made me find new ways of making an income because the bills just kept coming and coming and coming. I think overall I spent around five or six grand in a year. Repairing my Audi S5 cars have actually helped me get out of my comfort zone and have made me push harder and harder to get a better job with better pay. And now we're here where in a few months I could potentially be getting my first M car. More on that is going to come up on another video very shortly. I'm now at a point where I have a good job that I'm really enjoying and I'm also at a place where I can call social media, kind of my second job. Obviously don't get like a really expensive supercar when you're only making like a few thousand pounds a month because there are levels to this, but if you get in between a certain level with a bit of hard work and some motivation, you can make some really good stuff happen. Obviously this is just my opinion and a lot of you won't agree with what I'm saying, but let me know your thoughts in the comments.

[Dave Ramsey]

Oh dear. Wow. I don't want to speak for all people of Great Britain, but this guy is not it. If this is what you guys are producing out there, you might want to check the factory line. Something's going on. Goodness gracious. So his, his premise is buy a car you can't afford. Because then you'll be so stressed because you need more money to afford the payment that it will cause you to go get a better job to be able to afford the payment. So then you can get a better car and restart the process to get a better job so you can afford the next bigger payment. Are you not entertained? That is as insane as it sounds. How about this? Buy a car you can afford in cash and also get a better job so you can have a better life and make more money doing something you enjoy. And also you won't be stressed out because you have a big payment and expensive repairs to make. So I call BS on this guy's entire premise and hypothesis. But I dark curiosity as to what's going on in this comment section. Cause he was like, I know a lot of you won't agree with this, but that's just one man's opinion. It's not financial advice, but you should absolutely do this. Cause you'll get a more expensive car. I'd rather listen to Mr. Bean than this guy. Cause Mr. Bean, not a lot of talking. All right? He walks the walk, he doesn't do the talk. Well done, mate. Can you give me some tips? I'm 15. What is a 15 year old doing? This is what kids are watching. Bright blue Beamers. What? What do you do for work? I think that's a fair question. All right. It's just a bunch of car bros in the comments just spouting off letters and digits. I'm all set. Thank you. I'll stick to the America. No wonder we got free from this crap. Couldn't stand it anymore. That's why there was a revolution, guys. I'm sure you'll have another fight, George. Moving on.

[Comedian]

I can't wait to financially afford who I truly am. Because this, you know, this is the budget version of me right now. I'm not actually so casual and laid back. I'm just underfunded for my vision, all right? My dream lifestyle costs a lot of money that I don't currently have. You know, I'll be waking up at 9am, have a cappuccino on my balcony overlooking the sea, you know, work out shower spray my custom cologne. But in reality, I'm waking up in fear, you know, I'm having bread and water and I'm spraying, you know, vaguely citrus scented body spray from like the seventh grade. You know, the person I truly am has a skincare routine and separate outfits for boat and lunch. You know, current me is out here googling, can I mix body wash and shampoo and still go to heaven? So, you know, right now I'm just wearing vibes. God and hope, that's the budget. But one day I'm gonna walk into a room wearing linen and smelling like generational wealth. Just not today. Today I Febrezed my shirt and prayed for the best. You know, we'll get there.

[Dave Ramsey]

Oh, my gosh. This guy is a brilliant comedian, Big fan of his work. I think I've reacted to a different video from him. This guy's got riz. I don't care what you say. And I love that he's. He's choosing reality, as my friend Dr. John Deloney would say. He's going, listen, this is who I want to be. This is where I am today, and I'm gonna make peace with it. Okay? He wants the custom cologne, he wants the linen. All right? Clothing made from one fabric. That's rich people's stuff. We can afford polyester blends at best at this stage of life, and that's okay. I think what he's really getting at is that you have a journey to wealth, and if you try to fast forward it and shortcut it, you're gonna fall flat on your face and end up broke. So I'd rather you live simply, live on a budget and go, listen, this is where I'm aiming. I want to have this kind of life, but right now I'm not there. And then reverse engineer it instead of just wallowing in pity and complaining about why you don't have the things you want, though, what is it gonna take for me to be waking up at 9am overlooking the sea? Well, you're probably gonna need to start your own business. Work for yourself. Work 90 hours a week for seven years to build a business that creates that kind of revenue for you to afford to take time off or work seven hours a day or four hours a day, whatever it takes. So I like his overall take, and I wanna be friends with this guy. So, Davey, reach out if you're looking for friends. But I think this is. We can all relate to this. We're underfunded. You know, if this was a business venture, right now the business is underfunded. And that usually points back to the person in the Mirror. Cause we are the business. All right, next up, another guy in another car.

[Life Hacker]

Here's a little life hack for you guys. Tonight I'm going out with my friends, but I can't really afford to spend that much money at the bar. So today I went to a blood drive, gave some of my blood away, and now we're down like a pint. So I know I'm gonna be able to get drunk a lot faster. I won't have to buy as many drinks, and I won't have to spend as much money.

[Dave Ramsey]

What an M. Night Shyamalan twist that was. I thought he was like, well, I'll go give blood for, like, money, and I'll use that money to pay for the night out. Which actually would have been fairly smart. But the idea that he's gonna give blood so that he gets buzz faster. Do not recommend. Do not recommend. Guys, he's a legend. Wouldn't call that a little life hack, but I appreciate that he gave blood. I think that's a beautiful. Let me start there. The generosity is unmatched with this guy. This. Oh, here's one from Beth. Donate plasma instead you get money. Plus you don't need as much alcohol with a little emoji. 125 replies. 37,000 likes on a comment from Beth. What am I doing wrong? I gotta be on TikTok in the comment section. You're gonna feel sick after one or two. Yep, very smart. Donate plasma. All right, Everyone in the comments not understand it was a joke. Should just donate plasma. My guy. But he got paid. I gotta move on. Me getting a job as a security guard for Harry's next door because I can't afford tickets now. That I would do.

[Car Enthusiast]

Wow.

[Dave Ramsey]

That'S amazing. I don't. Is that. That's not actually him, is it? He said, catch me there. Okay, so it's not actually him, but he's filming a guy who he envies, this security guy who clearly not doing his job. There could be multiple people storming the stage right now trying to tackle Harry Styles while this guy's just also. Why isn't that a One Direction song? Yeah, I didn't know Harry was doing One Direction stuff, but, hey, good for him. Good for him. Whatever makes the money. That is relatable, though, and actually true. This is a good life hack. If you like going to events, concerts, comedy shows, whatever it is, you can generally try to get a job working for it, even on a volunteer basis or contract basis. And then you can usually enjoy the show completely free, which is Nice. Or even get paid for it. Now, will you actually get to see the whole show? Probably not. You got to be doing the job. This guy has to face the crowd so he can't see what's going on on stage, but he's still, you know, vibing to the tunes. So that's a great side hustle, if you are up for it, is go see if you can contract at a show near you or even volunteer, you know, to do merch. I've done that to get in shows for free because I'm a frugal guy and it's always panned out. Really enjoy it. And Harry's next tour, I would like to go. I'm a. I'm a. I'm a secret Harry Styles fan. I can't say it to the bros because they don't understand. They're still listening to Daughtry. Okay. They would not understand my love of Harry Styles solo album. Next.

[Father]

If you're gonna stay here, then I'm gonna need $500 a month out of you. I'm 18. I'm in university. I can't afford. Well, you need to figure it out. Or you can stay elsewhere where you'd be paying even more rent.

[Car Enthusiast]

Fine.

[Father]

I mean, you're not giving me much of a choice, so I guess I'll figure it out.

[Dave Ramsey]

Seven years later.

[Father]

I mean, I have no idea how I'm gonna afford a property. What do you mean? Well, I've got like 25k saved up, and that's barely enough for a down payment. No, you don't. You have 72 grand.

[Dave Ramsey]

No, he didn't.

[Father]

What are you talking about? You've been paying 500amonth every single month for seven years now. And I've been putting that away for you ever since. I knew you'd want a Property in your mid-20s so you can have every dime back, plus the interest. Plus I will help out where I can as well. Instead of telling me to save, you made me save. Even if you didn't have that 25k, you'd still be in a pretty good position. And listen, if you want to learn more, just hit the follow up.

[Dave Ramsey]

That's beautiful. What a beautiful story of a father and son that are exactly the same age. That is wild. Pretty insane. But I do like the concept. I'm not mad at this idea of charging your kid rent with the idea that you're going to save it for them. Now, ideally, in a perfect world, your kid just learns how to save. That would be ideal. But I'm not mad at the fact that he went, listen, you're a grown adult now. If you want to stay here, that's fine. But you're going to have to pitch in because this is the real world. Either you're going to pay market rent outside of this house, or you're gonna pay a measly amount to stay here. And the idea that he saved it for him, even invested it for him over that time, and then gave it back to him to help him start his adult life. Love it. Now, does this encourage this kid to stay at home for, like, ever? Cause he's only paying 500 bucks a month in rent, probably. So I think this story is a little hypothetical, if you will. Cause most people are just like, I guess I'll stay until I'm 38 years old, because this is a pretty good life. Mom folds my laundry and cooks for me, so why would I leave? But the premise I agree with. Parents did this exact thing. Not as long as this hypothetical is, but I have my own house that I plan to use as a rental after a few years. Love that. My father not only charged me rent and had me pay taxes, insurance, and repairs on one of his houses, then sold it and made another 100k and kept it. What? We were even told we would receive anything that was made off the house. Haven't spoken to him in four years. Well, that took a turn. I thought it was going to be a beautiful story of, like, he not only charged me rent, he made me pay all this stuff and then he gave it back. Nope. He just screwed you over, Amanda. And I'm sorry. You deserve better. See, my mom did this, and I left the next day. See that? You got to be ready for that, Parents, you put the ultimatum out there. Little Johnny might just fly the coop. I don't know that I would do that. I think I would more likely do that with my son than my daughter. Something about it, I just. I don't know. I'm a. I got a soft spot for the girl, but the boy, he'll be paying rent by 7 years old. That'll straighten you out, boy. Before we get to the next clip, let me tell you, if you're trying to avoid overspending and live on less than you make, your bank can be a partner in that. And if you want a great one, check out Fairwinds Credit Union, the sponsor of today's video. They're one of the few banks that actually wants to help you win with money. And right now, when you sign up for their smart Bundle, you get a no fee checking account, a high yield savings account, and the debt is normal. Beweird debit card, which doubles as a daily reminder that you're not doing money like everyone else. So if you're tired of banking with places that make you feel like a number and a nuisance, go check out Fairwinds. Go to Fairwinds.org Ramsey or click the link in the description below. And while you're trying to get control of your money, it's time to take control of your digital privacy. And for that I love Delete Me, another sponsor of today's video. Here's what they do. They scour the Internet for these data broker sites that have your personal info that are about to sell them to spammers and scammers. And what they do is they get it removed and they send you a report showing you exactly what they've done and how much time they've saved you. And currently I'm at over 100 hours saved, which is more time I can spend making sweet, sweet content for you all. So go check them out and get 20% off their annual plans by going to joindeleteme.com George or you know where to go. It's in the description. All right, back to more videos. When your car starts making expensive noises you can't afford. That's smart. Drown out the pain, girl. Just drown it out. Just for a moment. Your problems don't exist. That's very relatable content. I do. Here's what I have beef with she's staying with your your car is making expensive noises you can't afford. But her car is also on empty, so isn't that the problem? Your car just ran out of gas. Just fill it with gas. Does she have a check engine light on? That's the big question. Those stress me out. No, I think her car's actually fine. I think she just neglected to fill it up with gas, which is on her. I don't even blame the car. I think the car's just mad at you for being an irresponsible adult. Also good on her for listening to the radio. What's going on on 97.9? It's fun and games until it actually leaves you stranded. Felt this with my Malibu too. Felt with my Chevy Cruze. People are just shouting out their terrible cars and going, hey, they're all Chevys. That's good to know. This is a comment section is gonna help you car shop. My car don't get no maintenance treatment, just gas. Okay, but where's that blazer from. We're loving the blazer. I know you from Houston. Cause 97.9 and 93.7 lmao. This is good. This is good. People are sleeping on the comments section. There's a lot going on. And keep up with your car maintenance people, okay? I know it's so much more expensive to be broke because you're not doing the proper maintenance. You're neglecting it. Maybe it's for financial reasons. Maybe it's pure laziness. Maybe cause you don't wanna find out what's wrong with it this time. And so I tell people to buy used reliable cars in cash, and they get spooked. Cause they go, oh, my gosh. The maintenance and repairs. So what do they do? They go finance a $50,000 new car that's used the moment they drive it off the lot and still has issues that they have to take into the shop for. So do your basic maintenance, all right? Rotate the tires, make sure your brakes are good, get your oil changes done, change out the air filter, but don't let them do it because they always show you a fake one. I'm not falling for it. Jiffy Lube. Oh, you see, your filter's really dirty, sir. That's not even my filter, bro. This is my filter. And you pull it out and they're like, you're the David Blaine of car maintenance. All right, let's keep this party going.

[Ex-Fiancé]

Hey, I didn't get your Venmo for the trip.

[Maria]

Yeah, I'm not going anymore. I can't afford it.

[Dave Ramsey]

My God, you're flaking again.

[Maria]

No, I just literally can't pay for it along with my medications.

[Dave Ramsey]

You seem fine. Just don't pick up your prescription for a while.

[Maria]

Yeah, it's diabetes medication. If I don't take it, my blood sugar drops and I die.

[Dave Ramsey]

No, I got you. I have plenty of sugar on my crib. You can take as much as you need, Borrow some money from your parents or hit up a rich on you.

[Ex-Fiancé]

Kids need some money.

[Maria]

I don't have one of those.

[Dave Ramsey]

No one in your family has any money?

[Maria]

No, I am poor.

[Dave Ramsey]

Oh. I don't feel safe anymore, Maria. Keep your hands where I can. What is happening? Wow. I mean, you just did not know what was gonna happen next in that video. That really strung me along for the ride. I don't even know what the point of the video is. He's so real for offering sugar. It does not come easy these days. Is this a. Is it like an ad for diabetes? Keep Your hands where I can. What was she gonna do with her hands? My mom's TikTok debut. Is that your mom? This is so wild. But what I love is her setting a boundary. That's the best part of the whole video is her just owning up to the fact that she can't afford it for reasons. I don't even think she needed to give the reasons. But she did. And you can see how that backfired. Cause people don't care about her diabetes condition, which I think is, you need better friends. Cause if I was that friend, I'd say, hey, totally understand. Let me know if I can. I'll pitch in for the diabetes medication this month. Let's get this party going. Or he we'll all chip in and cover your spot to join us for the adventure. Now that's generosity I can get behind. But her setting a boundary, I think they should have just respected it and said, hey, totally understand. Hope you can make the next one. But no. What happened? It got out of hand real quick. That's the Internet for you. All right, as per usual, I've got a bonus one from producer Alex that I've not seen before. And this better be good. Cause I don't have time for this today. Pov. You're the ex fiance from a Hallmark Christmas movie going live three years later.

[Ex-Fiancé]

It's been three Christmases now since Jessica left me for her high school ex boyfriend, who they dated for about three weeks even though we were already engaged. Dated for three years. I paid off her college debt. I helped her get a promotion for a marketing job. But I took a phone call past 5pm so, yeah, here we are. No, my life's actually been amazing. How is Jessica doing?

[Dave Ramsey]

Not.

[Ex-Fiancé]

I don't think they're doing good, actually. Her fiance Nick was running a Christmas tree farm, which has since gone out of business because no one buys Christmas trees anymore. So, yeah, I don't think they're doing good. I heard they had to move back in with their parents, but. How's your financial situation? Amazing. I maxed out my 401k. I got the new promotion at the firm because I actually was able to take the phone call. I believe in murders, acquisitions, not mistletoe and miracles. So I worked hard for what I got. Where Nick, he never left his hometown, never went to school. So life's been good. The big city, the fun. I mean, sorry. I wanted to choose a town that actually had wifi instead of middle of nowhere West Virginia where the mayor was a reindeer. So no life's been good. I don't know why they wanted to paint me as the villain.

[Dave Ramsey]

Oh man. I believe in mergers and acquisitions and not mistletoe and miracles. This guy is a real one for it. Now this is a movie I would watch is the vengeance in Aftermath. Give me John Wick, but it's the ex fiance from a Hallmark movie exacting his vengeance on the guy who ran the Christmas tree farm into the ground. That I would watch all day long. Time for some season's beatings. That is so good. And can I just say, I think this guy really is who you think he is. If you own a Zip up Patagonia vest, you're doing real good. You got confident stripes. I don't have the confidence for that. I gotta cover up my arms. This guy showing em off. Do I think the polo with the vest over it is a good look? No. I don't know what you're going for there. My torso gets cold but I want my arms to be free cause they get a little warm. Strange vibes. But overall he's not wrong. And I love what he said in the beginning.

[Ex-Fiancé]

They dated for about three weeks even though we were already engaged. Dated for three years. I paid off her college.

[Dave Ramsey]

That was his big mistake. He paid off her college debt. Listen, if you're not actually married to someone, please do not intertwine your finances. Do not pay off their debt. Do not co sign any loans. Do not help them financially. Okay, you are not married yet. And this is exactly why. Because what if she leaves you for the guy for the Christmas tree farm? You don't know what's going to happen. All right? I know you think. No, she's the one. That could never happen with Jessica. She's amazing. She's amazing until she meets Christmas tree farm guy and she realizes. I don't want to date a guy who wears Zip up Patagonia vests. I want a guy who can chop some lumber.

[Car Enthusiast]

Why not both?

[Dave Ramsey]

I get it. I have the same exact fear. And it's why I don't wear Patagonia vests. I think my wife will leave me. Great advice, great humor. Golf clap for you. Because I assume big golfer. Listen, bottom line here. You don't need luxury cars to work harder. You don't need expensive trips to make yourself feel better. You don't need a bear shaped coffee cup to prove your worth. The real flex is living on less than you make and focusing on your own money goals instead of trying to impress people that you don't even know or people you don't even like. So choose reality like that guy in that video did earlier when he went, listen, this is who I wanna be. This is who I want to become. I'm not there yet and I'm gonna act my wage, I'm gonna live on less than I make, stay out of debt, build wealth so that one day I can actually afford this life and not be in payments for it. So if you like this video, you're probably gonna like this video where I react to 11 signs you're probably broke. Give it a click here or use the link in the description. And don't forget to hit like on this video. Subscribe to the channel and share this video with a friend who's still hanging on to that Hallmark dream instead of realizing they're really more of a Patagonia vest kind of guy. Thanks for watching. We'll see you next time.