Legit 😂

Lmaooo

😂😂😂

Isn't the 27% interest rate for the Jeep Compass? I mean, it really doesn't matter, both cars are terrible purchases...

She’s an SIP fo’ Sho!

Exactly wtf I’m doing and paying off my debt like an absolute beast. Lmao.

Single mom or not, I would get me an electric bike and a helmet ⛑️ because 27% is literally ROBBERY.

She said she put 5k down. She could have just purchased a car for 5k or less.

​@@RVLOGRIFFSI have three vehicles and each of them were well under $5,000. They also didn't have the transmission go out three times either.

Not just any car loan a 27% car loan for a Jeep Compass. She's just pissing money away. If it was a Corolla or a Civic, it would suck, but at least the car would be worth something.

Yeah that's why she called. A lot of people out there are struggling . At least she didnt' abandon her kid like tons of people dod. The dad high tailed it out of there. She isn't blasted on drugs or not working. She is trying to find a solution.

​@@danielrn133you speak like you know the dad personally. Come to think of it, you speak as if you're her, either that or you're projecting

​​@@danielrn133The dad is paying child support and has visitation. What makes you think the divorce was his choice? Most (70%) are initiated by the woman (90% by college-educated women).

She needs salvation from Jesus Christ asap. Pray for her.

No she isn’t. She sounds organized and she works mothers and goes to school

LOL. Very true. She does not make very good decisions to be going into a field where you give advice to people that need mental help.

PA school bogus? I agree with 70k in undergrad being ridiculous but how are you so brainless ?

Bro, if she was of color, the comments would have been 'much' different!

The typical single mom really. Nearly anyone I know who's a single mom is just like her.

@@calebharris4127he didn’t say PA school is useless. He said her degree that she is currently in debt 70k for is useless. She said she’s in debt right now for a psychology degree that she hasn’t even finished yet.

U gotta listen, she don't have 70k in debt right now I think that was only 18k from the school. She said once she was done with school completely it would b 70k on top of that 18k she already got so close to 90k for school 😂

being a single mom has nothing to do with it.

Some women will legit use any excuse or reason for their dumb mistakes. Its pretty annoying. "My child" is one of the worst excuses used. "I'm a single mom therefore (insert worst decision)".

Hey, those Republicans didn't teach her anything after she gave birth. They could have put her in some finance classes!

​@@Ka_GgI couldn't imagine being a parent (single or not) in today's world. So unaffordable! 😢

@@jazzyj6640 yes, some things are unaffordable or at least tougher, but at the same time a ton of people make things harder on themselves. I think the average car payment for a new car is closer to 1,000. Factor in all the other stuff that people buy and many people don't even try to make it easier on themselves.

Also, she should have taken advantage of the car dealer, being a young mum without any money.

She meant the 27 % interest. Of course she was stupid. Does she have not one savvy friend (male or female) that will go with her ?

But why does she think they only took advantage of her with the baby with that 27%? Surely, people without babies have fallen for that too @@franziskani

Only in modern America are people able to be victims for getting more money

@@franziskani 27% interest is crazy. Dealerships are incentivized to give out the lowest rate possible on loans to get the vehicles sold. She must have had terrible credit. There’s a lot she wasn’t telling.

She wants to be a Physician Assistant, but she's incapable of doing the 10 minutes of research that would make it clear that a Nissan and the Jeep have poor reliability. Apparently she picked her cars with the same care she used when she picked her baby's daddy.

But the cheap Toyota isn't new and fancy! They will also use the argument that an older Toyota isn't safe as if they will get in a fender bender and their kid will immediately die from being in a car that wasn't built in the last 2 years.

​@@alberttang6955not even 10 minutes..... 10 seconds. The single moms will spend all their day on tik Tok watching shorts, but they will not do a simple Google search on a vehicle that are getting ready to buy.

He'll, toyota's reputation has been so good, they're not cheap anymore. Kia is as cheap as it gets while still being dependable

​@@alberttang6955Baby's daddy may have given her the same advice, and she didn't like not getting the car she wanted.

Right. It’s like cutting off your own leg and complaining that you’re disabled.

No accountability

I find im less and less symoathetic with victimhood esp with single mums, what is wrong with people...have an illegitimate child is so irresponsible, and to study and rack up debt is ludicrous,

She was just calling for advice, she wasn’t trying to cop out of her debt.

Women are allergic to accountability

Facts!

@patriotdrone9566. But she'd have to get married first in order to get a divorce and, judging from what she's said so far, I doubt that will happen.

100%

@@marlenalinne oh she will eventually find at least 2 idiots to lock down in the future.

😆😆. Wholesale changes mentally need to happen now or she’s done. She needs to figure out how to get that debt under control and credit rating up somehow.

how much can she expect/?

@@lionheart93 probably $100k-$160k. If it’s in academia it’ll be lower but great retirement & healthcare. Edited to add: some of us are making the higher end $130k-$160k in psych. I do some expert witness testimony on the side and that’s pretty lucrative but u have to BE an expert for attorneys to hire u. That’s not happening the first 5yrs out. In the field it’s generally understood that it takes at least 5yrs to move from novice to expert.

Not sure who told her 200K right out of school. More like 100-120k.@@Herhighness211

@@Herhighness211is it salaried or hourly ? My mom was one in New York City and cleared 200k. Edit: I just answered my own question, New York City duh !!! 🙄

@@lombardo141there are personal trainers and plumbers making 250 in NYC. New York is a different universe from why where she is.

Not unusual doesn't mean automatically take it. We had a guy get hit with 30% and he walked out the moment he heard that. Can't blame the guy. Guy has money . Ita the fact that he's only been living in the US for 6 months and has no credit history that got him that 30%.

To some extent, if his credit score was that low, this dude probably should have taken the loan at 30% and paid it off in full the next day (assuming no or minimal setup/discharge fees).

Yep. I worked reception/admin at a used car lot and the number of interest rates I saw in the 30+ percents…. Not to mention they sell you the dream of cleaning up your credit by continuously trading and swapping cars with them until someday you’re magically out of debt and paying low interest… crooks. Every. Single. One of them.

Yes , and 15% of the population (not unusual) have an IQ below 85.

Funny thing is most therapists are train wrecks themselves lol

@@trip3174 true :D

@@trip3174 They can see and solve other people's problem but not their own.

@@trip3174lmaooo that’s cap

@@user-tk1xd9js1z Nah. That’s why most therapists are crap and just try to get people medicated.

As soon as she said she had bought a Jeep Compass I rolled my eyes because those cars are some of the worst cars ever made. Had she just taken 10 minutes to research the car online she could had found that out.

And it has the same transmission that her Nissan had to have replaced 3 times.

I agree, a brand new Jeep Compass is one of the worst SUVs you can buy. I worked with someone who bought a brand new Compass, drove it for five years, and when he traded it in for a Toyota Camry, the dealership gave him only $6K for his five year old Compass.

@@evoman44 💀💀💀

@@jrhunt414 Did you not hear the part where she said it’s been in the shop a lot?

Plus her son got kicked out of preschool, indicating he needs better parenting, not Mom going to PA school states away from Dad.

Also, it is amazing to me that a lot of these “single” parents that call are all going to school. How do you have time to do that? I get it you want to further your education so that you can make better money in the future but you are not living in the future right now. You are living in the present and your present looks very, very grim. right now you are supposed to be grinding like no other. You should be working 2 to 3 jobs to dig yourself out of this hole not go to school. That’s just my opinion.

Wait until I tell you about he guy who abandoned her and his kid. Like how the dude abandons his family and you are worried about "his rights". You know how many moms abandon their kids? Get wasted on drugs? She is TRYING. I guess you never made a bad decision in your life. Must be nice.

@danielrn133 Oh, she's TRYING, alright. She's TRYING the patience of everyone who has to deal with her. Or to be the stupidest person who ever drew breath. Nobody in their right mind makes as many mistakes as she has and her comments sound as if she isn't going to change, either. And, yes, unless they have broken the law or harmed the kids, every parent has the right to have access to their children if they so choose.

​​@@danielrn133​ Where'd you get that? She said Dad pays child support and has visitation. 70% of all divorces are filed by women. 90% for college-educated women.

Typical female caller. Wonder why her and the boyfriend broke up?

@@djpuplextruth speaker

@@djpuplexit’s simple. boyfriend is a Chad/Tyrone and doesn’t want to take care of the kid! typical female caller: had baby out of wedlock, tons of debt, high interest cars, low income, plans to take out more loans smh She will be looking for a simp to save her from her awful decisions smh

Has she tried marrying the father?

​@@djpuplexHe was a "narcissist" duh😅

There is this thing call Google. Where you can look up starting and average salary's.

she won't make it through school for a PA license

@@chcarroll5164 why?

Even experienced PAs don’t make that much! She’s delulu. As someone who is married to a nurse practitioner, I sure wish that was true. 😅

My thought, if she is that smart to be a PA, she won’t be in the current situation.

Those salaries don’t always be accurate tho when you look them up

Alabama will the lower than that, too

She’s a single mom, of course she’s delusional.

When she said $200k I was like is PA some kind of shorthand for Psychiatrist? Because I’m not even sure psychiatry residents earn that much straight out of med school. Then it’s revealed she hasn’t even started PA school yet. Then she mentions she hasn’t finished her psychology degree yet. She’s counting whole generations of eggs before they hatch.

After 5 minutes of research, I have confirmed that $120k is considered an excellent entry salary for PA’s, and offers go as low as $80k with good benefits. You’d have to look down the golden goose’s ass to find anyone say you can expect $200k entry salary.

70k for an undergraduate degree is crazy. And you don't make good money in psychology without a graduate degree. Alot of mistakes were made by this young lady.

That was concerning.

She is taking science classes that she can leverage to get into nursing

​@@ForeverYoung-fc3eoshe should get a job and leverage that into getting a promotion debt-free.

She's gonna be looking for her "bailout boyfriend" in a few years.

Rachel was all of us 😂 😂

What if she got pregnant again? I’m glad he escaped.

@@jimmyboy1582glad he contributed to a broken family?!?!

@@rd24life not his problem how about she go look for the man she got pregnant by. It is not another man’s responsibility to fix another man man’s problems.

That's mean 😂

💀💀💀

27 percent interest is brain damage.

Absolutely right

Shes a single mom, don’t be too hard on her.

So true and I would have put lots of money on nursing and a Nissan

Thats insulating and presumptuous .Many people have studied psychology and nevermade such bad financial decisions. It comes down to financial illiteracy, lack of role models.

Um no. Don't categorize psych majors; moot point, & it has nothing to do with her choice in finances.

@@drlisa3 you're 100% correct, but my psych major prejudice was right once again

She is not financially literate - obviously. Likely thought they would be nice to her when she walked into the dealership with the kid. The Nissan transmission serial problem was an additional problme (that was back luck). Also dumb of her to not surrender the car and get a lawyer engaged (earlier !) AND: she calculated that she could share rent and cost of living with her boyfriend, plus he may have saved her some cost of child care and made it easier for her to work. So the decision to buy the car was made when she had other circumstances. She paid down 5k, so she should have saved up up borrowed 3k more. Given how little she makes, it would have been better to buy a used car cash with maybe 8,000 - 10,000 USD. Normally such a car will be a few years old and the worst problems should have manifested. Under 8k one does not get a reliabe car, and now she is alone, she cannot have a car that may or may not work. (The mythical 1000 USD beater that Dave Ramsey talks about, does not exist).

Hence why so many men are put on child support with the quickness.

It is legally considered income. You have to report it.

No, child support payments are not considered taxable income for the recipient. If you receive child support, you do not have to report it as income on your tax return

🤣

Doesn't mean your put of the hook. " I just lost a finger. I feels much better knowing it was just a finger and not my whole arm."

@@TheIronChainMaster spoken like a true European grandfather.

I mean this is me in a way, but I'm making 65-70k and paying off my student loans (60K). I realize it was a mistake, and I'm not working in my degree, but my job pays for my masters (in something useful lol). I also have paid off my car. It's not about past decisions, but about how you own up to your mistakes.

Exactly.

What's chilling is there are a lot of woman like her out there. I had a friend like this woman, took her 10 years to complete a 4yr degree because she kept failing classes and then changing her major. By the end of it she had a student loan 3x's a normal 4yr degree should have so when she got a job with a ...starting salary for her degree... she wasn't happy! Her student loans ate away at the majority of her income so what does she choose to do? Well, go back for her masters degree so she can make more money to pay off her first round of student loans. Yo, I tried sooooooo hard to talk some sense into her but it didn't work. She's now still living with her parents at the age of 40, but at least she can tell all of us she's in school for her masters.

@@linlin55 yikes. Bad decisions on top of bad decisions.

This is why financial planning course should be taught and made it mandatory in grades school.

If Dave had taken the call, he might have been merciful and resisted the urge to say her life is like a country song.

sounds like ex boyfriend avoided potential headache. I love how people justify the student loans on unrealized future income prospects. Nothing is guaranteed until you start depositing paychecks.

That’s why if you hafta take a high interest loan you better only finance like 7000 …only way to offset that high interest is to pay way more than minimum each month

When you pay 30% interest you are paying double for the car

For a Nissan...

Per year. I bet it's a 6 year loan.

@@SRD1281 Jeep. Even worse.

Yeah, I’m glad to see she is realizing that she could use some guidance. Bravo to her. I hope she does well

Lol but she was delusional. She clearly isn't going to take any advice. She blatantly lied and is just insane.

Might as well turn in the car too. Her credit trashed already and get a beater.

That’s why she is calling in…

When did she claim to be a victim? Who is raising the kid? She is. Dude is long gone as usual.

Uh, no! She did claim to be the poor single mom who they prayed on at the car dealership. She also said that the father has partial custody and pays child support! Maybe you should listen to the video again perhaps! @@danielrn133

​@@danielrn133What do you keep posting this? She said the Dad is paying child support and has visitation.

She is taking responsibility by calling in to see what would be wise for her moving forward.

Exactely. If she avoids paying 27 % on 5k then it is 1350 usd less interest. Sure the interest continue on the other debt, but that is not nearly as much. She will net 500 - 800 USD from doing it in a reasonable order. Psychologically speaking she is a hot mess, and it is not only her relationship with money.

I agree 27% is the exception

I agree but Dave isn’t here so they have to stick to his method

That would make sense but that’s not how car loans work. The interest is already baked into her payments. She should knock out anything that has accruing interest or just borrow any extra $2k to get out of the car entirely.

The Ramsey snowball method doesn't math well. It's about psychology and it actually costs people money.

Yea that's what the major of ppl here feel i bet

you really shouldnt. all of the decisions shes made put her there.

Your taxes go to cover her bad choices - she's clearly comfortable in the safety net, and that net will never go away, so she will continue to make those bad choices. And her kid is 95% likely to fall into this same cycle of bad choices over the course of his life, especially with no father in the home.

They won't because then that would lower the mother income and God forbid they suggest that on Dave's show rather that benefits the child or not😅

Most single mothers wouldn’t agree to that because then they won’t be able to use the “single mother get-out-of-jail free” card anymore or brag about how they did it on their own.

Most fathers opt out of their children’s lives. When they do seek custody, they often do get at least partial custody.

@@ethxo6734 “Most fathers opt out of their children’s lives” - with a statement like that, you definitely need to go outside more and talk to real people. Stop reading propaganda

@@ethxo6734That’s a wives tale. As a woman I see a lot us deliberately alienate the kids from the father because we’re bitter the relationship with him didn’t go as expected not because he’s a bad father or opts out. Even this caller was plotting to take THEIR child out of state. It is emotional abuse towards the father and the kids and it is reprehensible.

Who in their right mind would finance someone with 2 repos on record? Lol. She is screwed

​@@timgibney5590 she also has a student loan on file as well

You know you dont just walk away from a loan right?

@@JOZoSo. You can declare ch11...She might as well run up some more debt first tho imo since she already ruined her credit lol

​@@pete64041trying to get a place to live with her son? She better find another boyfriend to help out.

and your the shark ?

@@WestCoastPCbuilder No...I just recognize the environment we swim in. It's kept me from calling the Dave Ramsey Show with problems like the caller.

Specifically… loan sharks.

Right behind that is "I got kids...."

YUP!!! Even at work, I have a coworker that thinks she is entitled to having EVERY holiday off because "oh, I have kids"!

Because the rules of math don't apply to single moms...

It causes so many of the world's ills, yet we pretend to prop it up as a viable solution. Even glorify it.

@@bettysmith4527 No staying late, no weekends, no holidays, oh and spring break and summer break and fall break and winter breaks are also known as other holidays or "work from home" week.

Better yet...she could keep her legs shut from here on IN....

Pausing for 4-5 yrs is crazy talk from them

@@reese85she can’t afford not to pause it

I have a 2007 Toyota Tundra. I am approaching 500,000 miles. Original transmission and engine. It runs great!

Definitely DONT buy a nissan! 😂😂😂

@@mitchellpollock1 Things are bullet proof

And not to get a 27% interest loan, those dealership smoking crack and screwing people with those loans.

That and avoid most single moms if your a single guy.

She thinks when she comes staright out of PA school with no experience she will be offered right away top of the line for what PAs working 2 jobs make...Lol!

She needs go to nursing 2 years program

That's the elephant in the room no one's talking about

Or anything about life

Or reality

Nah, not unless you’re in a business related major

Most lucrative scam in history. The key to convincing someone that not working for 4 years is going to quadruple their income is making sure they don't know anything about money.

Ya think?

Your husband sounds underpaid or just out of school. He should be averaging out at 100k

I’m an NP in Philly. I’m seeing $100k-$160 for NPs and PAs. Some of us are making more in psych but not much more.

Hez 2 years out but We are out of clarion county which isn't the richest.....

Think y’all should move or switch jobs

It’s so competitive

No sweetheart... you can not trust corporate America, they are the slimiest. But if you had no credit score or a bad one... yah, you have no choice.

​@johnSmith-uz8nl no. You CHOOSE to walk in the dealer. You CHOOSE the car. And you CHOOSE to sign your name on that 27% interest contract. Stop coddling this victim mentality! That's also a problem. People need a reality check and she's getting hers

100%. Car salesmen are like sharks circling prey when a young single woman walks into the dealership showroom. A young female friend once called me from a dealership distraught because according to her "They won't tell me the actual price on any of their cars!" The salesman was playing games, trying to get her to sign off based on the monthly payment amount she could afford without mentioning the out the door price of the vehicle. I told her to leave immediately. She later went shopping with her dad, and he did the hardball negotiating.

Not necessarily. My husband is a pushover and I ask the hard questions.

​@@DoctorSmartyPants99.9% of the time I'm right.

@@DoctorSmartyPantsyou’re the exception to the rule. Calling your husband a pushover is sad though

@@DoctorSmartyPantsSounds like he was there though and that makes a difference.

> Appears, she's on an island by herself. That would have been ok. Unfortunately she has a child too ... :/

She should have done everything in her power to hang on to her ex boyfriend.

​@@kbthegoat824strong independent woman she thought the grass was greener on the other side

@@drewoyebade4458 Or maybe HE found the grass greener. Ever heard do the men that start affairs during the pregnancies of their wives - or while the child is still little. Sometime the male wants the child, and as soon as his wife is happily pregnant, he "falls in love" with a side piece. Some dudes cannot cope with the responsibility and start all kinds of evasion maeneuvres. A child (and before that even her pergnancy) changes everything, and all insecurities and immaturities will come out. A lot of relationships fail (or are rocked at that time).

Good thing she called in to get some guidance.

This lady is delusional! 200k nope 👎

She plans on having dad babysit and pay her rent while she parties with her deadbeat boyfriend.

She needs to go to nursing school

Uh, no. NURSING BLOWS!!! I don't recommend anyone do it, I cannot wait to get out of it!! @@ForeverYoung-fc3eo

120k-150k is a good range for a P.A. however, there are plenty of jobs where you can make close to that. You just have to work 50-60 hrs a week.

Traveling nurse makes 250k

She DID say she researched it, but people who work in the field seem to beg to differ.

Hey bro I still sleep with a baby blanket at night but I’m still responsible with my life and finances, and I shouldn’t be judged for that.

Also, a psychology degree is nothing but a token degree that says you've seen the inside of a college class. I doubt she has the intellect to take the grueling courses a PA degree requires

Shes making like 15k insta carting probably maybe and then child support. You can go get a job doing fast food or retail and make 27-35k a year working 40+ hours + she can still instacart while working that. She could double her income easily if she wasnt lazy.

Not too mention she’s not even in PA school. She hasn’t even been accepted into a PA school yet. This chick knows nothing about being a PA.

@@michaellightbown9492Hasn’t even taken the exam yet; she acts as if it’s going to be a walk in the park.

Going to make $200k😂😂😂😂

@@lot2196 Yeah once she gets a sugar daddy she will want to SAHM

And all like her, of which there are many!

The boyfriend got the lowdown and said See Ya Later 😂

Unless you’re a car salesman! Invite her right to your desk and make her comfortable! 😂

She needs to take Rachel's & George's advice and hold off of incurring any more debt for school. She'll need that PA income to pay that extra debt off, and maybe that PA income won't seem so great with graduate school debt to pay off. She's got to stop digging that hole.

Used car can still have 27% interest depending on your credit

Right… terrible choice of a car.

Yup heard bad things about them in the car issues of Consumer Reports.

Sad but oh so true!

Thanks to America for encouraging that

Or they just tried and she fell for it (dummy went in with the baby and likely thought they would be nice to a young mother. Nope - in their mind she displayed naivite). i read it in the comment section of another video (also outrageious car loan) recently. Sister called brother (while she was at the dealership) told him that they offered her a 24 % loan. He told her to go on speaker, then told her that they were trying to rip her off, and that this was WAY too high. They ended the call - and sister later called him to tell him that she got a loan with 6 %. The car dealership likely gets a good cut from the excessive interest (more than is justified by credit score). They saw a single woman ... and they tried.

@@franziskani Yeah, the dealer gets a commission for booking the loan between 1% and 3% depending on the rate. So that means she was still getting a rate of between 24-26%.