The reason people get overloaded on credit card debt is usually because they use their card for things they want vs things they need.
I agree with that and if you have listened to Dave he has also.
Telling someone in extreme debt to pay off 60 or 70k in debt with a yearly income of 50k is not really reasonable.
That statement all depends on their current expenses or how they can change their expenses.
So many of these people are driving $30K vehicles with payments if they freed them up would go a long ways to paying off debt quickly. Problem is they think that vehicle defines who they are.
Some are living in houses with payments taking up 50 to 60% of their monthly income.
But for fun lets take your numbers. If a person is bringing in 50K can they not down size car and house to live on 25K a year?
I have lived on that I know it can be done and I have 2 kids. In 2.5 years that debt be gone doing that.
Can it work for everyone? No.
But isn't it smarter to suggest looking at that instead of just throwing your hands up in the air?
I think so.
Dave normally runs the numbers.
And yes, I have heard him say BK may be the answer for one because it's just to much.
If you are a very frugal person and don't have any kids you can do it. The fact they are in the debt means they are not frugal. Kind of like asking a fat person that is fat because of bad eating habits to lose 150lbs.
Dave always tells people they have to change their lifestyle if they expect things to work out.
Thought you said you listened to him?
Doesn't matter if you are paying off debt little by little or doing BK if you don't change your ways you eventually be right back where you were before. Take a bit longer next time but unfortunately a person who doesn't change their habits will return to their old ways.
I've heard Dave tell people with cars that have a 20k balance but are only worth 10k to sell the car for 10k and arrange financing for the other 10k.
Have you done the math on this? If you free up the money to get out of debt and can get the dealer to take monthly payments that are less for the balance you have got cash flow. Curious how many people own 20K cars that are only worth 10K? Really? I know car values go down fast but I find your example extreme.
I know a lot of people on this forum consider him to be a financial messiah. My experience with messiahs is that they are usually frauds. Then at the end of every little lecture we can't forget the 10% tithing to the church.
Messiah? WOW! LOL!
Can't speak for the others but I can tell you I listen to Dave when I'm on the road.
I like to see if my advice in the same situation be the same.
There are times I disagree with Dave.
That being said, Dave has been a MUCH BADLY NEEDED VOICE ABOUT PERSONAL RESPONSIBILITY when way to many others out there are to PC to say anything thinking tax payers should foot the bill for everything.
You mention tithing...........
I bet I have listened to couple hundred hours of Dave in the last few years on the road and think I maybe heard him speak about tithing once. Nothing wrong with that. This show is a BIBLICAL based show. Kind of makes sense to talk about important subjects like that. In fact I think Dave needs to talk a bit more about it.
Make your kids eat beans and wear rags but give your 10% to help the people running the church live a little better. Sorry I think it's all a big scam
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Ahhhhhhhhhhhhh yes, the rice and beans saying he uses.
That saying is to zap these people out of the current lifestyle that got them into the mess.
Are you telling me your kids can't wear nice clothes from the thrift stores? Been to one lately?
They have very nice clothes that certainly aren't rags for 80% or more off retail.
Dave has mentioned they did that when they got in their mess years ago. It works. Works is good don't ya think?
He is not saying live in RAGS like you are twisting his words to say.
So giving 10% to the church makes the leaders live a better life? Hmmmmmmmmmmmmmm.
I agree with you on some churches. They are scams.
Just like some sales people., construction companies, stores, etc.
Scams are all over the place.
Should we not go out to eat because a bad cook might be there?
No. Just like churches you go to different ones using discernment until you find one.
Never will be a perfect church because if it was you nor I nor anyone else could attend.
If one becomes bitter then everything becomes a scam.
Ramsey is in it for the money.
Of course he is in it for the money besides to help people. You want him to work for free?
He saw when he messed up there were millions out there just like him that needed guidance.
Why not give that guidance and make a living off of it?
Has our world become better since Dave and others started saying enough is enough you need to be accountable for your actions? I'd say so.
Dave has got a lot of publicity in the last few years because people are finally waking up to the fact they don't need to impress their next door neighbor or their co workers. They can be free from debt.
Nothing Dave has said is a secret. It's all common sense.
Dave has been smart enough though to harness that common sense in a way more people can relate to thus his popularity.
Even though I disagree with Dave sometimes I thank God for him. He has been a BLESSING for many people.
But really you just need to gather up various advice, take a little from each person and create a plan that is going to work for you and your family. It's hard, we're still working through it... but we're almost where we need to be. 
