‘How are you freaking broke?’

Financial experts have slammed a woman and her partner for their extravagant spending habits, despite their combined monthly income of $11,500.

David Ramsey, an American radio personality known for his super money saving advice, spoke to a woman named Alyssa, who said she and her husband hadn’t saved up for retirement, and had only $3,000 in savings. She also had $138,000 in debt.

Alyssa explained on The Ramsay Show that the couple were living “paycheck to paycheck,” but after taking a closer look at their finances, Ramsay realized that wasn’t the case.

Ramsey asked whether the couple, who together earn about $140,000 a year (well above the U.S. average), could save up to $5,000 a month to help pay off their shared $138,000 in debt.

Alyssa quickly became wary of his advice, and Ramsay grilled her, saying, “You know what I’m worried about? You’re making $130,000 a year and you don’t have any money. That’s what I’m worried about.”

Ramsay immediately asked the woman how much debt she and her husband owed, and Alyssa revealed that between them they owed $138,000.

About $9,000 of that came from her schooling to become a mental health care therapist, and $40,000 from her husband’s schooling.

The couple also owe $60,000 on a car payment and $240,000 on a mortgage, meaning that their total debt is actually $349,000.

Ramsay’s co-host George Kamel interjected, asking Alyssa how quickly she thought she could pay off her debt, suggesting starting with $5,000 a month.

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Kamel sensed hesitation in Alyssa’s voice and asked her what was preventing her from paying off her debt.

She then explained that keeping the money would make her fear for her 9-year-old daughter’s safety.

Alyssa said she is constantly worried about “catastrophic expenses” because she is self-employed and her husband works in construction.

Ramsay heard Alyssa’s response and began lecturing her again.

“Your lifestyle is completely stupid and has absolutely nothing to do with a nine-year-old,” he added.

She reiterated that she wanted to set aside money for emergencies, but Ramsay didn’t believe her.

“But you haven’t done anything. You have $3,000,” he said.

Ramsey added that the money in Alissa’s savings account was just “whitewash” and would only serve to make Alissa “feel insecure.”

“If you live your life differently than anyone else, you’ll be able to live and give differently than anyone else later on,” he added.

To help the struggling couple, Ramsey created a detailed budget for them to follow that would quickly set aside $50,000 a year to pay off their mountain of debt.

It will be hard for them to get used to, but Ramsay insisted it’s something that has to be done.

Ramsey started “from scratch,” but by age 26, his net worth was just over $1 million, his records state. Website.

He and his wife lost “everything” because of debts they had to pay off, and while they never told anyone about the struggle, Ramsey said it helped them get to where they are today.

“I paid the ‘stupid tax’ (mistake with a dollar sign at the end) so you don’t have to. And I’m here to tell you that no matter who you are, where you come from, and no matter how bad a situation you’re in right now, you can get out of it.”

“You too can take control of the situation by using the same common sense principles that I did to turn it around,” Ramsey said on his website.