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The 'Yes, Dave' or 'Ramsey Show Call-In' meme features an image of the radio host and financial advisor Dave Ramsey. He is depicted with his arms crossed, wearing a headset, and noticeably unamused or skeptical, set against the backdrop of his show's studio with its bright blue logo. The meme consists of captions that follow a specific phrasal template where a caller details a poor financial decision to which Dave is meant to respond.
This meme was taken from a frame of this Dave Ramsey Show clip.
The meme originates from a post on X by the user @crusadepepe on June 26th, 2025. The user posted an image captured from an episode of 'The Ramsey Show,' a popular financial advice podcast hosted by Dave Ramsey. Along with the image, a satirical caption depicted a scenario where Dave Ramsey is asked for advice on a million-dollar mortgage linked to failed 'Fart Coin' investments.
Origin: 2025
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"So you're telling me you spent $120,000 getting a degree in Bakery Science"
"Yes Dave"
"And you can't get a job because they taught you food history instead of how to cook"
"That's right Dave"
5:23 PM · Nov 26, 2025
“So, your palms were sweaty?”
“Uh huh.”
“Knees weak, arms heavy?”
“Correct.”
“Vomit on your sweater?”
“Yes.”
“Mom’s spaghetti?”
“That’s right Dave.”
6:02 PM · Nov 22, 2025
"so let me get this straight, theyre releasing the jobs report?"
"thats right dave"
"but with no unemployment rate?"
"yeah"
4:52 AM · Nov 15, 2025
"You spent the last 5 years trading coins on the internet?"
"Yes, Dave."
"And you can't find a job now?"
"That's correct, Dave."
9:47 PM · Nov 13, 2025
"So you're credit score is 520"
"Yes, Dave"
"Mainly because you have skipped your payments on your Coachella tickets and maxing your credit cards by door dashing taco bell"
"That's right, Dave"
"Now, you want a 50 yr long mortgage to buy a house"
"Correct, Dave"
6:35 PM · Nov 11, 2025
“You bought a Toyota Corolla on a 15 year loan, so you could ‘invest’ another $12/month in cryptocurrency?”
4:26 PM · Nov 11, 2025
The current owners of the Home Alone house pay $50k in property taxes every year
1:52 AM · Nov 11, 2025
“You took a 50-year mortgage?”
Yes, Dave.
“You also took a 15 year car loan?”
That’s correct, Dave.
1:34 AM · Nov 11, 2025
“So you thought that taking out a 50 year mortgage on your first house was a good idea”
“Yes, Dave”
“And after you closed on your house you went immediately bought a brand new car with a 15 year loan?”
“That’s correct, Dave”
1:12 AM · Nov 11, 2025
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