$100,000 In Debt Only Making $35,000!

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@TheRamseyShow 4 жыл бұрын

Get life-changing financial advice anytime, anywhere. Subscribe today: kzfaq.info

@fernandojuancadena2475 3 жыл бұрын

The university is seeking wage garnishment tells you the world we live in and the university says there want to teach us but they only teach us what not to do

@lachlancedric5058 2 жыл бұрын

instablaster.

@rainbowgirl2584 Жыл бұрын

You are so cute...love Mom

@kellyramirez4035 Жыл бұрын

@@fernandojuancadena2475 ł

@jessewilson-music 4 жыл бұрын

One kid.. ok, accidents happen. Four kids on 32k, with a stay home wife, no degrees and 100k of debt!? So so so Irresponsible.

@lovethemflowers 4 жыл бұрын

Kids are great, and yes, I can see having one that you might not have expected. However, if the household income isn’t increasing, it’s time to put that on hold. The wife could be working sooner if there was just one who is daycare or school age. Continuing to have little ones delays her ability to work outside the home.

@bryanryan4504 4 жыл бұрын

Irresponsible ?? Yeeeeeeeeeeeeeeeeeeeeeeesss!!

@beatle9239 4 жыл бұрын

I'm no expert, but after hearing this guys debt the first thing I was wondering if Dave was going to reccomend bancruptucy. He did. After listening to some of his video advice, I'd say most all of his advice is spot on compared to anything else I have heard. He seems more reputable than most and is a good person to listen to.

@acedeadeye2052 4 жыл бұрын

I know right? My wife and I were married for ten years built several businesses, built a large savings and investment account and then said “hey let’s have a kid.” Four kids at 27 means you started pumping them out at what 22ish assuming you gave the old lady atleast a month rest before you climbed aboard again.

@YadraVoat 4 жыл бұрын

@@acedeadeye2052 22ish gives about six months rest between each: (27 years × 12 months − 9 months × 4 children − 24 months of rest) ÷ 12 months per year = 22 years of age

@TheRealMTR 4 жыл бұрын

Holy Moly. 4 kids, 35k a year, didn't finish school, 100k in debt, and wife doesn't work?? I'm sorry but you made many life mistakes buddy. Good news is that you're still young. But man, I got anxiety listening to this - great coaching Dave

@VSE4me1 4 жыл бұрын

4 kids? Unless his wife makes a really good income most of her income will be taken up by childcare.

@Doors067 4 жыл бұрын

Just move to thailand lol

@Brittanybavery 4 жыл бұрын

gijsqwerasdf yep or they definitely could work opposite schedules.

@JonnyBeoulve 4 жыл бұрын

Yup and it's not our fault. Play stupid games win stupid prizes.

@Celwood 4 жыл бұрын

I know, right! I don't understand why you would even want to have 1 kid making 35k a year, that would be a hard life! But this guy decided to have 4 kids!...4!!! That's a million-dollar investment! I make around 35k a year with no children and things can still get tight for me! Why do people do this to themselves...

@chrisjones8743 4 жыл бұрын

UPS is always hiring. Factories pay well. I walked into a steel plant with no experience at $60,000 a year and $100,000 after year 5. This dude needs to think outside his biology box.

@WISHBONEL7 3 жыл бұрын

Not everyone is geared for UPS or factory work.. There are plenty reasons that those positions are available .

@Dave_Smooth 3 жыл бұрын

I applied for UPS yesterday and got the job and they offered me 14.50 :(

@admhad 3 жыл бұрын

@@Dave_Smooth as a driver or a package handler?

@Dave_Smooth 3 жыл бұрын

Justin Adams package handler. If you was to be a driver it would be more

@admhad 3 жыл бұрын

Yeah, it's a start from the bottom situation at UPS. They treat their drivers very well, and their office personnel. If you're not coming in with a CDL or college degree, you're starting at package handler and work your way up. $14.50 an hour with career potential is not bad for a no experience entry level job. That's probably around $40k a year with all the forced overtime

@JoseDiaz-pl5kk 2 жыл бұрын

Just looked up Toledo, Ohio. Average individual income is $23,477, that must be one depressing place to live

@mariej2468 3 ай бұрын

Only if you have no income. Really nice place with some really nice amenities. The cost of living here is so cheap that even on 40k a year i am able to own my home car and all.other property free and clear. Giving me more than i ever thought i would ever have to invest

@coolranch7537 2 ай бұрын

Yeah I live there I work with a lot of people on welfare, but low rent, medium cost of living, most people get by okay

@Womenballin Ай бұрын

Everywhere in Ohio is lame lol

@ballinforlife9 Ай бұрын

@@mariej2468the cost of living is cheap because no one wants to live there. All of Ohio is depressing to live in

@Devinfrbs 4 жыл бұрын

You know a guy actually is having a tough time when Dave Ramsey doesn't 100% disagree with the idea of bankruptcy. Hope he figures it out.

@bb19873 4 жыл бұрын

That is spot on, good catch!

@tjw1861 4 жыл бұрын

Yeah Medical costs in America are crazy

@jjb0894 3 жыл бұрын

Tom Smith, no it won’t, but it would eliminate all the other debt, plus at least temporarily stop the garnishment, so it might at least help with cash flow. But, with the number of kids he has vs his income, he MIGHT be able to get it discharged on the basis that he’s technically at the poverty level. That’s a huge maybe though. I’m not a lawyer.

@rdb0819 3 жыл бұрын

Considering they’ve been making it this long on $35k, he ought to get the bankruptcy to avoid the garnishment, a higher paying job or get a side job (Uber, Lyft etc..) he’s only 27 so I can imagine all of the 4 kids are under 10yrs old. He has to grind uncomfortably hard for at least a good 2yrs

@jjb0894 3 жыл бұрын

Rod Boy1, if he’s being garnished for a student loan though, the garnishment will only stop during the bankruptcy but won’t be removed unless he can get his student loans discharged.

@bobbyb7672 4 жыл бұрын

Multiple kids and a nonworking wife is a luxury they can't afford... She need a job ASAP!

@hollyb6885 4 жыл бұрын

Ralinebe 233 I have a feeling that ever time he suggests she gets a job, OOPS, she’s pregnant again. She doesn’t want to get a job

@micheleD498 4 жыл бұрын

Agreed!

@bobbyb7672 4 жыл бұрын

@@hollyb6885 Exactly!

@janetabbot46 4 жыл бұрын

nauticadon she’s not limited to a 9-5 job. They can work opposite shifts, so one of them is always home with the kids. She can pick up part-time work on evening and weekends. She can look for work-from-home opportunities. It’s also possible that they’d qualify for subsidized or sliding-scale fee child care programs, that will help them pay for child care while she works. They may have to get incredibly creative, but it’s better than staying stuck in their current situation.

@imprincesskay87 4 жыл бұрын

In my area child care is about as much as a mortgage or more. It’s sad. About $800-1000 month per kid. They’re actually saving money with her staying home but she should at least work the weekends.

@hiuwingcheung5097 4 жыл бұрын

This show is healing people. Every time I tuned in and knowing someone doing worse than I did, I feel motivated to move on.

@bobbyjoe232 Жыл бұрын

Healing at the cost of other’s suffering. It sucks but I also feel the same way.

@shadow-gd6nn Жыл бұрын

Same here

@joepatrick3092 Жыл бұрын

@@bobbyjoe232 😂😂😂😂😂

@carolinajimenez998 Жыл бұрын

Same i hope it all works out for all of us!❤

@MariaSerrano-tm1xb 10 ай бұрын

Seriously. Baby step 4 here and watching these videos keeps me in check

@SomewhereOverTheRainbow2023 4 жыл бұрын

"Bankruptcy does not create income" this is the main message . You must create more income ... That's the only way

@Kysen10 4 жыл бұрын

Stopped education due to kids, he has 4! At what point do you stop popping out kids and finish your education.

@nickcool888 4 жыл бұрын

Cream pie too good

@AKAxeMan 4 жыл бұрын

@@frednil8304 that would have been somewhere under about $1k.

@essenceaquarius9958 4 жыл бұрын

I was thinking the same thing lol like wth?

@davematt7 4 жыл бұрын

@@frednil8304 😂😂😂

@SheriBear1 4 жыл бұрын

Exactly! You kept having them knowing your situation. He didn’t have a plan to finish school for you owe multiple schools, NO DEGREE, and have 4 kids! His terrible school track record happened before the 4 Kids, so....

@easygoinggaming2309 4 жыл бұрын

Man, I hate hearing these calls but I’m so thankful I’m hearing this stuff at a relatively young age, so I can hopefully avoid falling into similar financial traps.

@godismygeneral 4 жыл бұрын

Yea please dont do the same mistakes

@frednil8304 4 жыл бұрын

Having a one night stand and getting a female pregnant is an 18 year financial trap. Avoid that!

@archiejames3635 4 жыл бұрын

Easy Going Gaming shid u got it backwards they gave him a free 100k I’ll dip out

@maxelusbawark5545 3 жыл бұрын

I wish someone could tell my parents this

@Noe-gj9mw 3 жыл бұрын

They aren't traps tho, nobody trapped this guy into have 4 kids, stay at home wife, no degree and 100K in debt.

@JessicaHicks 4 жыл бұрын

Wow. This is sad to hear especially given that this was aired just before the corona virus 🦠. Hope him and his family are holding up ok.

@vikrantlal6429 4 жыл бұрын

I just saw this and commented the same thing. I hope the pandemic is not making it even harder to make any money.

@bee12355 4 жыл бұрын

It’s very sad

@officerricky5065 3 жыл бұрын

He’s my neighbor n recently I’ve seen 2 additional kids added to their family.

@josephphelps4510 3 жыл бұрын

Officer Ricky lol he may be making the best money of his life on unemployment

@MrPennstate2014 3 жыл бұрын

He*

@gauravudiyavar9050 3 жыл бұрын

I feel really bad for this dude. You can tell from his tone that he knows he's made some mistakes, and it is clear he wants to do better. I hope things get better for him.

@YoYo_Ma 2 жыл бұрын

His mistake was trying to be highly educated in the dog-eat-dog country of America. The America of today would never have put a man on the moon.

@happymolecule8894 2 жыл бұрын

@@YoYo_Ma a biology degree will get you a few good jobs. But it's better to get something in demand. Radiography, sonography, nursing, paramedicine, etc.

@lemongrass3945 Жыл бұрын

Why he put himself in there. He could not even afford one kid let alone 4. This guy is completely irresponsible

@d33763 11 ай бұрын

@@happymolecule8894Absolutely! Technicality and application, thats what matters in today's society.

@Cheesecake-hp6od 11 ай бұрын

⁠⁠@@lemongrass3945Captain Obvious lol he already knows he was irresponsible. He’s trying to fix this. Otherwise he wouldn’t be calling Dave. His first mistake happened at the age of 18. He was only 27 at the time of this call. Still young. Still time to turn it around.

@cristelahopkins447 4 жыл бұрын

He called looking for way out. Instead, he was given a way to deal with it

@Only2GendersCommonSense 3 жыл бұрын

Time to have a fifth child.

@philcarpenter 2 жыл бұрын

Yeah, Dave told him "Just make more money!" Really though it might be a good idea to do the bankruptcy first to clear out what he can and then get more income coming in. All that past due debt is gonna hang over him for years anyway why not just try to get it cleared with bankruptcy. IDK, just a thought.

@jeraldbottcher1588 2 ай бұрын

@@philcarpenter because it all won't be cleared away. That student loan debt does not go away in a bankruptcy - $50,000.00. Now if none of it was student loan debt, then bankruptcy may be a good idea because then it would all be wiped out. Regardless, for a better life in the future he needs to make more.

@theawesomer8587 4 жыл бұрын

A) stop having kids B) wife has to work

@heidithaw1072 4 жыл бұрын

Day care for four kids? Not saying she should not but may not be practical unless some are in school. My cousins did it with four but they had cheap child care.

@animalsfrog 4 жыл бұрын

Honestly with 4 kids, the extra money the wife would make would go right back into daycare. Unless she was able to get a work at home job

@mecheckraise 4 жыл бұрын

@@animalsfrog she can watch 2 more kids.

@jimroscovius 4 жыл бұрын

We had kids when we were ready, which was six years after marriage and we were making better money. It's called "planning"!!

@blubbness 4 жыл бұрын

the wife can work a shift were she goes to work when he comes home, that way they don´t need to pay daycare for 4 kids. sometimes there is even some extra pay for night shifts.

@naivefn8993 4 жыл бұрын

I’m 15, don’t even have an income right now, but after watching just a few episodes of your show, I feel like I will never be anywhere near debt. I will live very minimally in an income to spending rate

@James_36 Жыл бұрын

jesus, you will be successful understanding all this at your age- dont ever sway from it, i was good with money and lost my way, still made a success so far in the long run but i got debt and i would be way better off if i just kept out of trouble with money and certain bad habits

@myonghan1260 Жыл бұрын

U ....WIN , Love like😊

@jeanmccallum5034 8 ай бұрын

Good for you, 15 year old wise person ❣

@SADilNikad 3 ай бұрын

Ohh, you will be...

@icestationzebraassociates2460 Ай бұрын

I hope things are going well for you at 18/19. I hope you took the message to heart. Live frugally and make money while you're young. Retire early and in style.

@stemikger 3 жыл бұрын

Man my heart breaks for this guy. I was once where he is, but if you are watching pal, I am a millionaire today, it can be done, but it will not be easy and there will be a lot of emotional ups and downs, but don't give up.

@sphinx9517 2 жыл бұрын

What do you for a living

@mashimellow9853 Жыл бұрын

What colour is your Bugatti

@manechirag Жыл бұрын

@@mashimellow9853 if he had that mentality to spend on a buggati just when he touched the millionaire status, he would have never gotten there in the first place

@mocheen4837 Жыл бұрын

With kids you need to work hard to provide for them. It is a rough road.

@KareNEexpert 3 ай бұрын

He’s a millionaire in his dreams.

@huntgirlk8033 4 жыл бұрын

I'm a medical professional, do not get a biology degree. There is no job for that degree, I know from experience. It's a waste of money.

@DemetriT1 4 жыл бұрын

I agree, he should have gone to a nursing program instead. Most basic science degrees in STEM don't offer much. That's the flaw of STEM people don't talk about. It's mainly just IT, Engineering, and Math.

@Big-Government-Is-The-Problem 4 жыл бұрын

@@DemetriT1 yeah, i dont claim to know much about the subject but id assume the average biology or zoologist isnt making that much money, unless they are one of the rare people that get a TV show on Animal Planet. i agree that he should have went into the medical field. its pretty much a guaranteed job that probably wont be replaced by automation in the near future.

@coletonking4955 4 жыл бұрын

Wrong, there are plenty of jobs in biology. The problem is that they don't pay as much as people think and aren't all that glamorous. You can get a steady job paying ~$50,000 right out of undergrad as a tech in an R&D or clinical lab if you have a bit of internship/research experience.

@jurikowhy359 4 жыл бұрын

I have a biology degree and make 60,000 a year. You just have to do your research into different jobs and what they require. My job required a certificate with the degree, without it I probably would have been jobless after college or underemployed

@huntgirlk8033 4 жыл бұрын

I'm a supervisor of laboratory scientists. All our biology people have to get a second degree or they are our assisstants who have the same job as people with a high school diploma. Most have huge student loans because they need a second degree to make money. To be a laboratory professional get a Medical Laboratory Scientist degree not biology. This is the main reason for crippling student loan debt, getting a degree that has no job associated with it.

@samr9622 4 жыл бұрын

Stuff like this is so alarming to me that they would continue to have children when their income is so low. Having kids is something you can control so why would I continue to have them when you can’t afford them?

@jamiegarrity6439 2 жыл бұрын

👏👏👏👏👏

@camiiii31 2 жыл бұрын

agrreed!!!

@gabrielalmanzar929 2 жыл бұрын

The pull out game is weak

@roadrunner9622 4 ай бұрын

"We're throwing it all on God!"

@caseycantrell-gh6fg 27 күн бұрын

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.

@lennoxmutterick6434 27 күн бұрын

Hi. I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second child. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks

@caseycantrell-gh6fg 27 күн бұрын

@@lennoxmutterick6434 However, if you do not have access to a professional like JUDITH ANN PEACE, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments.

@lennoxmutterick6434 27 күн бұрын

@@caseycantrell-gh6fg Oh please I’d love that. Thanks!

@caseycantrell-gh6fg 27 күн бұрын

@@lennoxmutterick6434 Judith Ann peace is her name

@caseycantrell-gh6fg 27 күн бұрын

Lookup with her name on the webpage

@DR.Detroit11 3 жыл бұрын

I like how Dave doesn't just drop these folks off at the bus stop, he completes the loop of life...very aware of the total life process. Dave is a good father to so many.

@baki9191 4 жыл бұрын

Toledo Ohio median income is literally $35k Dave. This guy was right about that.

@bd5863 4 жыл бұрын

No, the median household income is $35k. Individual income is less then that.

@fabulouslifeinchrist1349 4 жыл бұрын

Wow. The area near me has 50k annual average income and it pretty near old money and most homes cost at least $300k because of the nice school system. I think old money paid off homes ages ago though.

@scarysun15 3 жыл бұрын

but the guy has 4 kids and a stay at home wife. he definitely should be making more

@omar9268 3 жыл бұрын

although it’s good money where he’s located he should be making more due to him having a family to take care of , the wife should do uber to at least help out with the bills

@asupshik 3 жыл бұрын

@@omar9268 Uber in Toledo? Good luck!

@Ryan_DeWitt 4 жыл бұрын

The first kid I can understand. Mistakes happen. But then to add 3 to it when making less than 40k? Uhhh no don't feel sorry for you.

@gijsqwerasdf 4 жыл бұрын

I do feel sorry for those kids though

@gds7777777 4 жыл бұрын

You must be perfect and not make any mistakes in life.

@Ryan_DeWitt 4 жыл бұрын

@@gds7777777 What a silly comment. We all make mistakes. However most people try to learn from them. Not continue to make the same one over and over and over again.

@nealkelly9757 4 жыл бұрын

Democrats will tax you to pay for this bum's offspring. The poor always win.

@kevinm8865 4 жыл бұрын

@@gds7777777 Four of the same mistakes? It doesn't take a perfect person to not make the same mistake four times.

@kend5698 4 жыл бұрын

Midwest Mentality at work; "I make more than the rest of the people around me going nowhere fast so I must be doing well." I grew up in this and it's hard to change the thinking pattern.

@JohnDoe-gy5dr 2 жыл бұрын

yep. if youre willing to live in a place that sucks even if you have money, not having money feels pretty good.

@aquagaming0072 3 жыл бұрын

When Dave said “Let’s do better this 2nd half” I LOVE that energy! Best wishes brother!

@relybiggunsbigguns5478 4 жыл бұрын

Does listening to these make anyone else feel better about their life. Or is it just me?

@TheAgentmigs 3 жыл бұрын

We're all taught to learn from other peoples mistakes..so we don't repeat theirs.

@advenco344 3 жыл бұрын

@@TheAgentmigs “a wise man learns from his mistakes, a wiser man learns from the mistakes of others”

@sobeliever1638 2 жыл бұрын

Yes and no, I pray for them and it is motivating to not make more mistakes myself.

@illegalalien6542 4 жыл бұрын

A box of condoms costs less than $35,000.

@sunnyd4734 4 жыл бұрын

Vasectomy, $1,000. The smart choice.

@bethanyroberts4744 4 жыл бұрын

Children are a blessing

@fredrikb343 4 жыл бұрын

@@bethanyroberts4744 then go and have 10 of them and tell me how that goes for you lol

@bethanyroberts4744 4 жыл бұрын

@@fredrikb343 Will do. Thanks

@eflvin 4 жыл бұрын

Absolutely agree

@princessbagley 4 жыл бұрын

Its Amazing to me how judgmental so many are who are not in this position. I'm sure many have made choices that they Will Not share. I'm rooting for this family.

@kevinjtimothy 2 жыл бұрын

Seriously! Makes me wonder what the glass house residents are truly concealing.

@federicofrancesce 2 жыл бұрын

Amen

@billySquanto 2 жыл бұрын

YES ma'am

@Opethfeldt 2 жыл бұрын

Exactly. These types of situations attract miserable people who want to feel better about a life they hate by casting judgment on someone.

@aroncampos5720 Жыл бұрын

I been similar situations. Ex GF kept trying to get pregnant to trap me in my early 20s but she failed. Also i went to community college first to save a lot on college. Im about to finish school i have less than half this guys student loan debt and no kids. I didnt want to be responsible but i had to be because i didnt want to end up like this caller.

@brandonsunadventure 3 жыл бұрын

I will NOT bring a child into this crazy world if I'd only make $32K a year.

@queenbee3647 Жыл бұрын

Many people do.

@yesnomaybeso5755 Жыл бұрын

Lol there are people that make less and still have their kids properly taken care of. It’s all about responsibility. If you’re responsible with your finances you can raise children on low income. Everyone who is able bodied to work should procreate.

@sophisticatedchatonartistr5475 Жыл бұрын

Sometimes things happen

@crow-vz5lx Жыл бұрын

Four children...

@thefpvlife7785 Жыл бұрын

Agree. This is why you're not in his position.

@annalesher3753 4 жыл бұрын

$35,000 is $410 above the poverty level for a family of 6 in Ohio. This is sad :(

@jellybeans9283 4 жыл бұрын

Anna Lesher but it's also self inflicted

@annalesher3753 4 жыл бұрын

Unicorn Soul Oh, 100%. But, self-inflicted situations can also be sad, which this one is.

@jellybeans9283 4 жыл бұрын

It's unfortunate for the children 😣they didn't ask for this situation

@annalesher3753 4 жыл бұрын

I have a single friend who made that salary and struggled to make ends meet and had to get two extra part-time jobs. I can’t imagine trying to make that amount work for six people :(

@hern9897 4 жыл бұрын

A household of 6 making 35k is severe poverty. It's not based on income, it's based on income per person in household.

@plantface510 4 жыл бұрын

Dave is good at getting at you to see the problem and then making you believe in yourself to fix it. Awesome man. Hope.

@kanky743 2 жыл бұрын

Yes I loved Dave's advice on this segment!

@howlbeast 2 жыл бұрын

true

@barbararepko4824 4 жыл бұрын

A biology degree and he knows nothing about birth control...

@davematt7 4 жыл бұрын

IKR 😂

@NYSTyl 4 жыл бұрын

😂😂😂

@stephenshelton4267 4 жыл бұрын

Apparently mammalian reproduction is taught in year 4 😄

@inthevault9603 4 жыл бұрын

Kids are the biggest problem!!! No one needs or should want or have 4 kids!!! 2 is more than enough.

@patpatmoomoo5524 4 жыл бұрын

🤣🤣🤣

@John-bd9fj4435 4 ай бұрын

investing requires good experience and knowledge to carry out a good and successful trade, I have lost a lot trying to trade all by myself May I ask which investments are good?

@Anthony-cp7yc6655 4 ай бұрын

sounds great! please I will appreciate your assistance on how to go about it, who's your investor and how good is your investor..

@Anthony-cp7yc6655 4 ай бұрын

I am going to look her up, I have about $81k i want to start with....

@John-bd9fj4435 4 ай бұрын

Thanks for the efforts you put in these. I found her and i leave her a message i await a response

@justinblount5033 4 жыл бұрын

You’re seriously telling a man with 4 kids and $100,000 in debt to move to a place with more opportunities??? Way easier said than done Dave. Moving a family like that costs money that he most likely doesn’t have. I have no kids and less than $2000 left on my debts and I’m having a very difficult time trying to move....

@WISHBONEL7 3 жыл бұрын

The first thing that guy and his wife need to be seriously advised on are TUBAL LIGATION / VASECTOMY / HYSTERECTOMY .

@pep590 3 жыл бұрын

@@ke6264 After bankruptcy, you get to keep most of your money again. That's a best thing about it. No starving after bankruptcy, you starve before it.

@christophermcdonald931 3 жыл бұрын

I liked the part when he was like “if I were you I would simply start a business and start making 60k per year.”

@donaldlyons17 2 жыл бұрын

I am single too but people always forget that I have to make money to have money and people assume because I am single I have money but no have just enough for my basics.

@communistpropagandist4608 2 жыл бұрын

@@christophermcdonald931 also the part where he said Toledo isn't a depressed place when the median wage is 37k, 25% of people and 37% of kids live in poverty.

@Ant0417 4 жыл бұрын

4 kids. One income. 35k/year. 100k in debt. There's some solid life planning.

@Liuhuayue 3 жыл бұрын

He could ask the kids to take part-time jobs as soon as they're old enough some years down the line.

@blockawocka4026 2 жыл бұрын

@StopReload it is. Very disgusting.

@aescorpus Жыл бұрын

@@Etaoinshrdlu69 dude what

@aescorpus Жыл бұрын

@@Etaoinshrdlu69 nobody asks to be born. You don't owe to your parents. It's their responsability to provide for you in your early years. It's great if you take care of them when older.

@GigaChad_169 6 ай бұрын

Getting box unprotected was more important than finishing school and paying off his debts. This guy is piece of work.

@jeremystrickland1776 4 жыл бұрын

Everyone I talk to that don’t have a direction in what they want to do, I instantly tell them to learn a trade. Plumbing, hvac, electrical, whatever it is. It costs at most $2000 for 2 years at schools and most employers will pay your way through it. I’m 23, at 18 I was making 10/hr, I got up and learned HVAC for free thanks to my employer and I’m now making 70+/year and it’s only going up from here. I’m not bragging, but putting value in trades for people with no direction

@vikrantlal6429 4 жыл бұрын

I hope this guy and his family are doing alright during Covid. :(

@shawnd.8498 3 жыл бұрын

Me too. Nobody deserves to suffer.

@mikemcbeth3216 2 жыл бұрын

Yesss he's making more.

@sweettasmine 2 жыл бұрын

Me too

@kathya1956 9 ай бұрын

Covid money

@GavinCollins1963 4 жыл бұрын

So having 4 kids was brilliant. The quickest way to the poor house is having kids you can't afford.

@nataliyak9555 4 жыл бұрын

Agree! But some people make a career out of welfare!

@GavinCollins1963 4 жыл бұрын

@@nataliyak9555 You ain't telling me nothing!! I worked for Health and Human Services for 30 years and retired from there!!

@ineedhoez 4 жыл бұрын

Shyt, having kids you can't afford is a quick way to the poor house!!!

@beatle9239 4 жыл бұрын

@@nataliyak9555 I can see how that may actually be true. When I went to the SS office to apply for my retirement at age 67+, the line to get in had to be way over 50 people long. I'd swear there wasn't even 1 other person there even close to retirement age. It struck me right away.

@WISHBONEL7 3 жыл бұрын

TUBAL LIGATION / VASECTOMY / HYSTERECTOMY

@Bmayo27 4 жыл бұрын

Adam’s answer at <a href="#" class="seekto" data-time="482">8:02</a> was worrisome. To me, I hear that line about working in factories, and it makes me think he’s entitled / arrogant. This dude is 27 yrs. old (and I don’t think he mentioned any health issues) with four kids. It is time for this guy to become a responsible father. If factory work pays the best....that should be his next career move.

@BlessedSky87 Жыл бұрын

Exactly, but hopefully things do get better for him.

@user-hm9uf8by2i 3 жыл бұрын

Depending on where they live and how old the kids are, her staying home might be the best decision in this disaster of a situation. Daycare costs are over $20 k a year per child in some states.

@BusArch42 2 жыл бұрын

Her best side hustle might be taking on some extra kids to watch

@user-hm9uf8by2i 2 жыл бұрын

@@BusArch42 never know. Great idea!

@elishamaxfield9936 2 жыл бұрын

👏🏾👏🏾👏🏾

@Saturdayz_In_The_Fall 4 жыл бұрын

Spent all that money on college and didn’t even finish.. while making $32,000 per year oh my god. 🤦‍♂️

@GenExDividendInvestor 4 жыл бұрын

So many mistakes, but at least now he's come to the right place to start fixing it.

@juniorj.5108 4 жыл бұрын

I make 75k take home after taxes a year single owner operator truck driving just hauling local freight. Get a CDL make money

@juniorj.5108 4 жыл бұрын

Lol true freight is cheap right now luckily saving up will help me in the long run.

@Sexy40baby1 4 жыл бұрын

@L Barrett i'm still trying to figure out how they could completely automate those chemical deliveries and pick ups.

@leadnsteel1428 4 жыл бұрын

@L Barrett I would never trust automated trucks. How would they be able to drive in bad weather? What about truck inspections, log books and all that stuff.

@lenblack1462 4 жыл бұрын

@@Sexy40baby1 They will not be completely automated. They will pay someone $10-11/hr. to ride in the truck in case there is a problem or for refueling.

@christianbramwell5860 4 жыл бұрын

Lil jr Dawg jr I think that’s a great idea! Automation is not going to eliminate humans from driving trucks. Can a truck fill its own gas or adjust to an accident on the road?

@jdubincali 3 жыл бұрын

I borrowed 15k and went to a trade school. I got hired immediately after graduation and the company offered to pay for a 4 year degree. My trade school training counted for 60 credits as well. My technical training and degree qualified me to compete for engineering jobs. My salary is 100k with only 15k borrowed. I hope this story helps someone out there.

@dakotaparsell9867 3 жыл бұрын

I can't believe this guy just said that he didn't finish school because he had kids.

@regularity2556 3 жыл бұрын

Ikr. I can understand if the mom says that, but what was he doing 🤔

@gemil9933 2 жыл бұрын

It doesn’t make sense right? His wife would’ve been fine without him at home.

@dakotaparsell9867 2 жыл бұрын

Alot of single moms going to school wanna box his ears right now. lol

@jarrettpierce5626 4 жыл бұрын

Why isn’t the wife working at least weekends????

@SunniDae333 4 жыл бұрын

Jarrett Pierce Probably the four kids

@SunniDae333 4 жыл бұрын

She should try to find something were she can work from home

@LegendaryWoke 4 жыл бұрын

Because she never wanted to

@TheHouseElf 4 жыл бұрын

Four. Kids.

@LegendaryWoke 4 жыл бұрын

@@WilingtonProductions Exactly! We've seen those manipulators

@pawsnotclaws2772 4 жыл бұрын

Why does he have 4 kids at 27

@93mlo 4 жыл бұрын

Because social pressure to have kids before being 30yrs

@pawsnotclaws2772 4 жыл бұрын

Best fun affordable car mx5ND that’s a dumb reason and I’ve never been pressured to have kids and I’m 28

@93mlo 4 жыл бұрын

@@pawsnotclaws2772 I guess you're one of the lucky few , because at parties it's always OMG you're 30 and you still don't have kids kind of talk among the family

@jellybeans9283 4 жыл бұрын

Best fun affordable car mx5ND Pressure is not a good reason to have a child. The two are adult and could simply say no and wait until they are financially ready

@honjokun0615 4 жыл бұрын

@@93mlo Where do you live to be in a crowd with that kind of pressure? India?

@johncrabtree892 4 жыл бұрын

DR: "Toledo, Ohio is not a depressed market where the average income is $32,000!" Me: Google, what is the average income in Toledo, Ohio? Google: $19,113 per year Me: Google, what is the median household income in Toledo, Ohio? Google: $33,485 per year Bruh.

@skycaptain95 2 жыл бұрын

Ouch

@00Noontide 3 жыл бұрын

"your career sucks and it's not getting better, is what I'm trying to say". I love Dave. He's not trying to be mean, but he has to make a clear point.

@TeKnoVKNG23 4 жыл бұрын

Blows me away how many people continue to have kids when drowning in debt, not realizing they aren't going to be able to give their children a decent lifestyle in any way if they are struggling with money. Such a huge problem in the US and I'm sure in other countries, and we wonder why we have so many youth that grow up to be troubled. Also wish Dave would do more research on his "facts" about income and areas. Kind of like when he just spouts off about "cheap rent" being available in all cities. The median income in Toledo is about 37k...so this guy is pretty much topped out.

@WISHBONEL7 3 жыл бұрын

VASECTOMY / TUBAL LIGATION / HYSTERECTOMY

@marywebb9127 2 жыл бұрын

@@WISHBONEL7 Troll begone 👋 You left the same comment all over this video!

@WISHBONEL7 2 жыл бұрын

It ought to even be part of the Pledge of Allegiance , National Anthem , and anything else that is popular .

@macneoh7418 2 жыл бұрын

@@marywebb9127 the truth needs spread like manure

@cherylnielson4710 2 жыл бұрын

@@marywebb9127 and whoever that “troll” is he/she/they need to leave it a100 places more. Good god , no suggestion Dave makes is going to make a bit of difference if these two don’t stop having kids. This is the 21st century. There’s no excuse for this.

@yamamancha 4 жыл бұрын

So somehow he never thought to stop having kids to finish his degree and set himself up for a better situation?

@twincherry4958 4 жыл бұрын

@dachicagoan weird for you to think that way

@fredrikb343 4 жыл бұрын

@@twincherry4958 he's got a point lol

@twincherry4958 4 жыл бұрын

@@fredrikb343 I posted the response to the wrong comment 🤷‍♀️

@jbschristmassongs 4 жыл бұрын

But he did...now what??

@mattcassle4880 4 жыл бұрын

Mormon starter kit

@empathechoes4807 3 жыл бұрын

This spoke to me so much.. I don't have debt of any kind.. but I'm 48 yr old Canadian.. self employed and have nothing.. business bites.. I rent.. I'm def in the poverty line.. every month is a serious challenge with money. I'm tired. In all ways. I'm getting some hot chocolate and dreaming tonight.. I'm changing this tonight. Thank you Dave! And Adam I wish you and your family all the best in every aspect of life! 🌻☀️🐞🌟🙏

@RapperGeek 4 жыл бұрын

I live in Toledo, OH. Our problem here is that we're mentally depressed city. There's a ton of opportunity here and around here but since we're in the rust belt and most of our success as a city has been during the industrial age, we still have the same mentality from that era, not to mention we're directly in between Detroit and Cleveland which are historically 2 of the country's most depressed cities.

@dlsjr1978 2 жыл бұрын

Being depressed is a BS excuse. I live outside Detroit and have no debts and a great life. Stop making excuses

@RapperGeek 2 жыл бұрын

@@dlsjr1978 this helped so much thanks for the motivation! 😂

@dlsjr1978 2 жыл бұрын

@@RapperGeek glad I could add value

@robertbell525 4 жыл бұрын

An unfinished biology degree. Even if he finishes it, what's the next degree he's going after? Because a biology degree by itself is next to worthless.

@huntgirlk8033 4 жыл бұрын

You are right!

@aileencrane7700 4 жыл бұрын

Agree 100%

@vinyasa748 4 жыл бұрын

Not exactly, I’m getting offered 70k working in a lab

@aileencrane7700 4 жыл бұрын

Sage U yea but you finished the degree. Is it a B.S. or masters? What do you do for the lab?

@deeslifestyleloves 4 жыл бұрын

@@vinyasa748 you're an outlier. Good for you!

@mblake0420 4 жыл бұрын

I was in same situation minus 100k debt, and I actually live where 35k is alot (Charleston, wv) . I was delivering pizza and doing other thing I had to do that where very risky to feed 2 kids until I was 27. Found a company driving professionally in area but all good jobs are taken and or you have to know the right people. I looked at that same company nation wide and applied in NC where there was a need. Got paid training living out of motel making double what I was in training.. Family came down 3 months later. I went from 20k with 4 mouths to 50k in 4 months, after 3 years I begged for a transfer to Charleston wv and they did and by this point I'm making 70k. 6 years later 85k. I'll tell you 85k isnt much in nc but in wv its hillbilly rich and I'm in my hometown where I wanted to be.

@latimer442 4 жыл бұрын

And people are always saying they can't move for work.... WV is beautiful by the way. Wouldn't mind picking up a piece of it myself.

@ineedhoez 4 жыл бұрын

Kudos. Hustler!!!!!

@elizabethtimothy4776 4 жыл бұрын

Well done you! That is how it is done, when you have to sacrifice, work hard and smart, doing what is needed to be done legally. Most people just don't want to be uncomfortable for just a short time, some people would not have deared to leave their family, and some spouses wouldn't support. May you continue to soar and shine. You are truly blessed.

@kimjong-un5562 4 жыл бұрын

There's food jobs everywhere it's called having that skill for said job

@fanoftoast 4 жыл бұрын

Sounds like you worked hard to make it work for you!!! Congrats!! 💪🏻👏🏼👏🏼

@the3es48 4 жыл бұрын

My dad did it with 8 kids working in the fields and in the afternoon he had his side hustle selling cars and towing. Now he has several business that he owns. The issue is that we don't try to fixed it.

@tymom9313 3 жыл бұрын

Exactly! So many ignorant comments on here blaming the kids for $100k in debt!

@Musicienne-DAB1995 2 жыл бұрын

@@tymom9313 There's a real anti-family culture here. Nothing wrong with having four kids. This guy should have been more careful with the finances of it beforehand.

@clarifyingquestions 4 жыл бұрын

Great coaching Dave!!! I have no debt and got so much out of this call. So thanks to the bravery of the caller for calling in.

@Love-qv9nl 4 жыл бұрын

How about a 2nd job? God, I hate debt! I’m on baby step 2, I just finished paying 7, 500 credit card debt working a side hustle (overtime). Paying off my car next and then a bank loan. Help me Jesus!

@danielponder7165 4 жыл бұрын

Love I’ve got a second side job as organist and it’s helping me do the same thing!

@pe8841 3 жыл бұрын

How’s it going?

@MissCandy350 4 жыл бұрын

"If you live in an area where $32,000 is a high income it's time to move!" D. Ramsey :)

@Nonameagain80 4 жыл бұрын

You have to have a masters degree to make that much where I live 😮

@godismygeneral 4 жыл бұрын

@@Nonameagain80 where is that?

@2stage90 4 жыл бұрын

@@godismygeneral thats a "pretty good" factory job in Wisco.

@bev7236 4 жыл бұрын

He could easily move to Cincinnati, lots of high paying jobs available and low cost of living.

@matthew8153 4 жыл бұрын

Bev I’d prefer to live past the age of 30.

@MariaRileyMusings 4 жыл бұрын

I really appreciate Dave's compassion ❤️

@colin1818 3 жыл бұрын

I haven't been able to listen to Dave as often on the radio. But all of these KZfaq videos are great! Keep posting them!

@quincg7546 4 жыл бұрын

become a trucker? might as well if the wife stays at home

@citylights3452 4 жыл бұрын

Facts

@edb484 4 жыл бұрын

Sumer Johnson 'student' haha you fool, but you’re right Lol

@everlastingprosperity5137 4 жыл бұрын

Sumer Johnson 'student' yeah but then chad will be pounding her out 😂

@edb484 4 жыл бұрын

EverlastingProsperity I knew this comment was coming, I was waiting for it HAHAHA

@mamasaige4310 4 жыл бұрын

@@sumerjohnson1879 hahahahaha.... my Papa was a long haul trucker. He was home for ONE hour the month my Brothers were conceived.

@beastfromtheeast9318 4 жыл бұрын

This guy can do it. Keep your head up.

@mistyjenkins5771 3 жыл бұрын

Bless his heart! I wish him well!

@shaldana 2 жыл бұрын

SO many of these phone calls - people thinking kids are a right and have them without planning. Why would you plan out buying a car, get licensed, make sure you have money for insurance, etc., but not with having a kid - something that is, at minimum, an 18 year commitment? I don't understand it, never have, never will.

@brianmcg321 4 жыл бұрын

He's made enough mistakes for ten people.

@rokyericksonroks 4 жыл бұрын

Don’t laugh, this is what is producing the population of the future.

@RizoSupernova 4 жыл бұрын

@@OpiumBride lol you cant take a guys kid

@burropoco 4 жыл бұрын

Guess he quit his Biology degree right before the semester covering human contraception! He's really young though. He can turn this around.

@abc-ei3ik 4 жыл бұрын

burropoco biology degrees are practically worthless. Unless you get into professional school. I know, I have one.

@NotYourTypicalMermaid94 4 жыл бұрын

😭😭😭😭😭

@NotYourTypicalMermaid94 4 жыл бұрын

@@abc-ei3ik this is the truth and I'm going to medical school with my biology degree

@gd1889 3 жыл бұрын

@@abc-ei3ik what about chemistry?

@abc-ei3ik 3 жыл бұрын

G D I’m not sure I don’t have a degree in chemistry. It is from what I know better than biology, I have a friend that has a chemistry degree that works in a lab. Honestly though, I don’t know enough to give you a straight answer. You gotta know what you’re gonna do with it

@sterlingforbes3872 3 жыл бұрын

Told that young man the hard truth... and I definitely learned from it too. Thanks Dave Ramsey!

@mr.budget2457 4 жыл бұрын

Getting out of debt is possible! We just have to make sure where each dollar is going and be consistent with our budgets..happy holidays everyone

@katrinaumana2127 4 жыл бұрын

He needs to file Chapter 7 on the medical debt. Also stop having kids until you get your finances in order.

@spaceballs44 Жыл бұрын

He could get a vasectomy and it would be much easier then for the woman to get her tubes tied.

@nocodekevin 2 жыл бұрын

As someone who makes websites I love to hear Dave tell practically everyone to make extra money in IT and making websites. It's legit an ideal way to make extra money from home almost wherever you live. Every year the additional income from that has gone up, from 4k now to about 14k heading for 20k thanks to lockdowns. It's also been a great way to build relationships with people who can become friends in high places when I need advice about my own trajectory.

@shroomssadow4981 2 жыл бұрын

Do you recommend any platforms or videos to learn?

@bellasue02 2 жыл бұрын

Good question how do you learn without going to classes

@techahve935 2 жыл бұрын

The answer is on the platform you’re commenting on 😉

@nocodekevin 2 жыл бұрын

@@shroomssadow4981 Hi, I specialize is a particular tool called Webflow. They offer what they call Webflow University that's a great way to get at least up to the intermediate level in skill. Prior to that I earned a degree in Graphic Design so I combined the two but that's not required at all because templates are so good now. Basically, I'd pick a platform you think you might like - see what tutorial content is on KZfaq to support your learning and start with family and friends.

@nocodekevin 2 жыл бұрын

@@bellasue02 Just like we're here to learn from others' experiences with debt, I come to KZfaq to learn from others' experiences with web design and development. I do pay for courses from time to time but it is from KZfaqrs that have already given me free content for years.

@renegaderogue6310 4 жыл бұрын

His first mistake was having kids during college. He needs to deal with his mistakes; it will teach him invaluable lessons. He is living in a bubble. 🤦🏻‍♂️ Mommy needs to work and close the baby factory.

@Musicienne-DAB1995 2 жыл бұрын

Four children is hardly a factory, and her working just means valuable income being poured into daycare. There has to be a middle way where she can gain an additional income without sacrificing her children's upbringing.

@vg6790 4 жыл бұрын

I feel sorry for this guy. Good thing he’s still young.

@nealkelly9757 4 жыл бұрын

Don't feel sorry, you're the one paying for his 4 kids and wife. They're all on welfare for life.

@Gstunfisk 2 жыл бұрын

Don't feel bad, he willingly caused this.

@kokoskokso 2 жыл бұрын

he sounded beat down ☹️

@ditherdather 4 жыл бұрын

It's amazing to me that there are so many people who don't know that student loan debt can't be included in bankruptcy. Student loans, taxes, and child support.

@shilohmorris5527 Жыл бұрын

It blows my mind that people pay so much money for degrees and then get paid so little. The military pays more than that!!

@superprogressive2235 3 жыл бұрын

He’s like good dad scolding a disorganized kid. Amazing!

@raggedyann4372 4 жыл бұрын

To stay home she should add a few kids to babysit, that would help out🤷🏻‍♀️

@TracyJammeh 4 жыл бұрын

she should start her own daycare business

@trevelgolden 4 жыл бұрын

Exactly

@contrerasmcr100 4 жыл бұрын

Great idea

@fabulouslifeinchrist1349 4 жыл бұрын

My former coworker knew a pastor's wife who kept her newborn for around $400 to $500 a month for her while she worked. She had four kids and her hubby made around 30k. They never ate out unless they found coupons

@justinacase2623 4 жыл бұрын

How many calls involve student loans? Too many!

@azarrjohnson4012 4 жыл бұрын

I’m so bless man hearing there’s people

@jonyoung6405 4 жыл бұрын

Thanks Dave for helping this guy. I can tell he is ready to make some positive changes.

@CaseyBurnsInvesting 4 жыл бұрын

This man’s life is a disaster. Yikes. They’ve dug a big hole for themselves.

@me_not_me 4 жыл бұрын

Bankruptcy won't impact student loans so.... he needs a better job🤷🏾‍♀️

@fanoftoast 4 жыл бұрын

me_not_me_2008 so true!

@archiejames3635 4 жыл бұрын

Oh well it is what it is can’t die with it

@ryantaylor6530 4 жыл бұрын

Yet that's basically it...... $50K of student loans and 4 kids on $35K a year, I don't see how that is possible.

@priscilapuente8327 4 жыл бұрын

Are you kidding me ?😢 I did not know that Why not

@ryantaylor6530 4 жыл бұрын

@@priscilapuente8327 because student loans are government-backed and the government always makes sure it gets its money back.

@JibbsCompilations 4 жыл бұрын

"I did not get to finish due to having kids." Just another excuse. I have lots of friends and family members going to school while working full time. You just have to find a way to make it work. Even taking one or two classes each quarter/semester. Do what you know you have to do. Life is tough.

@ktytkan 4 жыл бұрын

I love Dave Ramsey! So truthfull!

@leex1347 4 жыл бұрын

Yeah, obviously having 4 kids doesn’t help. And all before the age of 30 (he said he’s 27) - yikes. So if he had them in college at age 20 or so (that’s why he left school), that’s one child every 20/21 months. So that’s like getting pregnant almost every year....??? Birth control and condoms are free... don’t have to pay for them if you’re a low-income woman/family. Just saying....

@mamasaige4310 4 жыл бұрын

Birth control fails. Condoms break.

@KEP1983 4 жыл бұрын

Contraception is evil.

@alohaazzie8462 4 жыл бұрын

Kathryn Young birth control has a low failure rate of used correctly and when used in conjunction with condoms, your probability of pregnancy is low. Nothing has a 100% success rate, however I’d rather have a 98% success rate of not getting pregnant if I can’t afford it than going “welp, birth control fails and condoms break, just gonna take my chances raw dogging it!”

@pseudorealityisreal 4 жыл бұрын

@@KEP1983 Ooooo scaryyyyy...but jeopardising these children's future isn't?

@ReddingRed 4 жыл бұрын

@@pseudorealityisreal The only ones jeopardizing their kids' future are the irresponsible parents. The likelihood these kids will grow up to be poor is 70%.

@theburnetts 4 жыл бұрын

I feel like the Dave Ramsey show should have a call screener that gathers all of the basic information from the caller before they even talk to Dave. They should have a standard form that they fill out with the caller's household income and debts and payments. The screener types all of that into a computer form and Dave sees it all on his screen when he takes the call. Then he could quickly review it with the caller and get right in to the question. And then he could ask more questions if need be. Sometimes it takes forever for the callers to actually describe their situation.

@Bae_mackx 4 жыл бұрын

Corey Burnett great idea!!

@personallyjoua 4 жыл бұрын

Take this idea Dave!!!!

@thedude5040 4 жыл бұрын

Its psychology to say it out loud on the air, it can help people begin to see the severity of their problem

@whitneyw.7919 4 жыл бұрын

Dave likely already knows... he asks so the audience knows their income etc.

@ReddingRed 4 жыл бұрын

It's a radio show! The entire format is to involve the listener. If there was no back story told during the call the listener wouldn't be interested. It's like watching a traffic crash scene...you want the gory details.

@purpleice7277 4 жыл бұрын

I filed on my own in California. I did not use a lawyer. It was hard getting all the paperwork together but after that it was fairly easy. It didn’t take care of my student loans but it took care of the $60,000 that my x left me with. It was great to get a fresh start.

@chrism5792 Жыл бұрын

Dave Ramsey is awesome. KZfaq interjects commercials every 2 minutes killing the video.

@batmanrobin2099 4 жыл бұрын

“Well the only other high paying job are factories “ Dude sounds very entitled with no degree, 4 kids and 100k in debt.

@johnazhderian5734 4 жыл бұрын

Those factory jobs have been moved to China 15 years ago.

@entrepreneurialliving 4 жыл бұрын

I thought the same thing. Those "factory jobs" could earn him $60k - $100k+ a year (doubling if not tripling his income) if he gets up and goes to work. He may have to run high production or a good bit of overtime. But he'd be debt free in 2 years. With a souped-up retirement contribution and a maxed out HSA at the end of it all.

@brennasmalley5999 4 жыл бұрын

I like my factory job. Good pay. Matches my 401k and decent benefits. I even got a 16 week paid maternity leave coming up. Need more money? Overtime is always available.

@johnazhderian5734 4 жыл бұрын

@@brennasmalley5999 But factory jobs are very hard to get since most factories have been moved to China.

@kimjong-un5562 4 жыл бұрын

@@johnazhderian5734 u live in the wrong city or town . Tons of warehouse jobs

@user-eu2me4bp7j 4 жыл бұрын

32K for a family of 6? Sounds like the mom's "side hustle" was making babies.

@greenluxi 3 жыл бұрын

I don't know who did who, but it's definitely the woman's fault!

@amrita3000 3 жыл бұрын

Apparently they added 2 more.

@chiaraippoliti 3 жыл бұрын

@@greenluxi How is it just her fault? She got pregnant by herself???

@chiaraippoliti 3 жыл бұрын

The man's side hustle was the same. It takes two to tango.

@greenluxi 3 жыл бұрын

@@chiaraippoliti I was being sarcastic, because of all the misogyny that you see on Dave Ramsey videos, somehow no matter what the details are, there will be a highly upvoted comment thread of people blaming the woman.

@yourgooglemeister6745 2 жыл бұрын

I feel better about my life now. Thank you caller!

@2hourworkdaywithCarla 4 жыл бұрын

I love the wisdom Dave offers ❤️

@anomiemnemonical578 Жыл бұрын

lol Yeah, he's a real visionary with his "make more money" wisdom.

@djpuplex 4 жыл бұрын

He needs to take a class on good decision making.

@ashleyross5874 4 жыл бұрын

I have 4 kids, no regrets. Stop shaming people for having children. They are a blessing.

@elizabethtimothy4776 4 жыл бұрын

Having kids is not the problem, they are great, but not being able to take care of them in ALL aspect of life is beyond sad. There is no joy in being stress just because, you can't feed your kids basic food, thinking where you will get money to pay rent. I had a family friend that has 9 children, there is nobody that won't envy them, because of the love, joy, comfort and all round awesomeness in the home. The parents were teacher and accountant, salary earners that lived in a 5 bedroom house, no luxury but had everything they ever needed, and the least successful of the children is a Pharmacist. Children are precious!

@7792thereaper 4 жыл бұрын

That's not what this is about. That isn't what any of this is about

@christendenise220 4 жыл бұрын

My heart is broken for this man...Bless his heart..I pray he stops drowning one day.

@ReddingRed 4 жыл бұрын

There are 24 hours in a day. The wife and husband should both be working full time on different shifts so that they can double their income. They agreed to make sacrifices when they chose to have a litter of kids and one sacrifice that would improve their lives exponentially is to have two incomes.

@ramonvargas6865 4 жыл бұрын

COPFIT Media day

@elizabethtimothy4776 4 жыл бұрын

I agree, once they are on thesame page they can do it, they are young and still healthy. School should wait for now, they both work full time, the wife can do day, working as a teaching assistant or something close to the kids school, the husband does night and do household chores, laundry and cleaning, while the mum takes care of kid on return and prepare food. Also she can do KZfaq once a week edit and stuff, probably on Saturday, Sundays they can have family time. They can do it, there are millions before them.

@kimjong-un5562 4 жыл бұрын

Once the kids are all in school she can get a job and they can be in the 60-75k income range feeling ok

@Treesuss 4 жыл бұрын

I’m not as in debt as this guy, but the income thing hit me hard. Thank you coach.

@LP2488 3 жыл бұрын

Sometimes all you need is someone to slap you up and down and all around for you to get it together. Dave is always happy to help you get there.

@CellBotics 4 жыл бұрын

Great info!!! We teach people how to fix phones and have had so many people come who have been inspired by you to do a “side hustle” we are going to be making a video referencing this video this week, thanks for what you do!!!!!