🤣🤣🤣

insure4cheap If you have a bank account and want to make extra cash text: +1 (518) 547-4763 this guy helped me.

The way she laughed when he told her she was so disorganized. . . not funny when you’re calling in about needing to borrow to afford expenses.

😂😂😂

@@parkerread154 Hey can you elaborate?

Lol same. She listed off her bills as if she's the only one who has them

The victim card doesn’t work all of the time!

She put that victim card on the table about four times and Dave answered “SO WHAT?”

43 post wall woman desiring someone else, and it doesn't have to be a man, it could be the government with aid, needs to pay her bills! They are HER BILLS!!!!

@@evenbiggeral5089 SO WHAT! LOL!

She needs that app...what's it called again*😁

twin cherry Cleo. I remember it so well because it’s my cats name 😂😂

name name every dollar

EXACTLY!!

She has a case of victim-itus. She was not a widow. She is a single mother due to life choices. She chooses to blow thru 77k a year. 43 year old post wall women, so shocked now that guys are not willing to buy her dinner and groceries too!

Exactly!

Probably has the latest iPhone and goes to Starbucks everyday

Yes, because she is bragging about having no debt. So she probably thinks she is smart about that, but she seems to make any type of excuse to borrow money. This call is bizarre

Those aren't bills so you don't count them, right? Lol.

IRON-PANDA it does count when figuring out why your budget is messed up

Heck, ill buy you 2 at that price and still have money to buy milk....

I need Jack and Coke

bingo

BECAUSE that was such an exhausting call. I mean I need it. Forget that a gallon of iced tea costing 2.78 is wonderful, lasts for days!

Lol

The longer the “intro” they put out there the more confident they’re going to do something really dumb and want permission.

I know right!! I WISH i didn’t have any car payments, a credit card payments, and I WISH I didn’t owe the IRS. You know how much money I’d save per month???

I don't know. 3 kids?! God bless her. Kids are not cheap! What if they have a health issue or lots of involvement with sports or music lessons...... I would probably be a bit unorganized, as well.

@@benwhitnell Don't judge you can be there at anytime

@@juliedefee598 Absolutely, God Bless you so true,

EXACTLY!!

Mom raised 5 on 30k with a mortage. This lady has problems.

How much government assistance does it take to raise a family of 4 (assuming 2 kids + 2 parents) on 33k a year? That's approx $16 an hour pre tax. No way anyone is raising a family on that without massive handouts or tax payer subsidies.

@@005whiteboy budgeting. Tough but manageable. I had two sets of clothing and one pair of shoes.

We have 2 kids and are making around $40k a year. The only handout we get is WIC and the kids qualify for Medicaid. It will be cool one day when we make to much to not qualify for the help but we are glad it is there. And it is helping us get further ahead financially.

Agreed. I'm a single mom too. Making way less than her and I just became debt free. If her mortgage was more expensive and child care too, she had car debt, student loan debt etc, I'd understand., but thank God she doesn't have any of that. A good budget should help with her Issue. I know she can make it once she fixes her budget and expenses.

Single mom here and thriving. 👊

My salary is 48, with overtime I made 63 this year. Im a single mom of 2 and my monthly bills including my house is 2k. And I rarely get child support and if I do its around 200 a month. She doesnt know how to budget.

@@AdaEstherGJ she's only paying 1250 for child care a month. I was paying 1300 a month and not pay check to pay check

Single dad here. I get pocket change in child support and make less than the woman on the call. Paid off $50,173 in student loan debt in 15 months because I got on a strict budget, hustled on the side and knuckled under hardcore. No reason the caller should be struggling.

AstronautFox YES!

She makes herself look bad. She's got money to pay for things including milk. There are people making way less than she makes and can buy milk and can buy it without assistance because they're over the poverty line limit. What? She doesn't have any change leftover to buy milk with? She can pay for child care so she can get milk.

No, she doesn’t. She’s making herself look bad.

AstronautFox It’s her priorities, she spending on things she doesn’t need. I bet her kids have all the BEST things!

I have a question were are all the dads, I be finding them and sue them for child support.

She need some millk!

Chris Vandernaald 🤣🤣🤣

Chris Vandernaald 😂

Got milk?

She Drinks Almond Milk

There's something wrong with the caps lock on your keyboard. You might want to look at it.

@@webfreakz FREEDOM of SPEECH. Just try and stop all the people using caps! You are gonna go mad!

$1400/month daycare. Not $1000 not $1200 But yeah she’s not being honest

I thought you lived in your house rent free? It's one of your videos

Christopher Hale yes I do through my real Estate Investing, thanks for checking out my channel. watch the video, hopefully it’s helpful. 👍🏻

I’ve thought the same thing watching several videos where this seems to be the case. I’m always surprised by it.

Fake fan

Can you be the next caller and talk about your lousy financial decisions?

Michael Baker she is a headache

Probably why she’s single

I was listening to this thinking "Okay, she's clearly 25 years old, she had these kids really young, there's still time to turn this around". Then she tells Dave she's 43. That was shocking.

Catherine P More shocking no debt except for a mortgage And she’s broke on $77,000.

That's what I was saying!!!

You will be surprised how many 6 figure income people make and living broke.😳

@@michelarosier1918 I'm not. I used to be a banker and it was amazing to me how someone making 200k a year had nothing in their bank account but someone making 50k has a few thousand in savings.

But she's a single mom!

@@harrisonwintergreen1147 hah! Yeah. My boss makes $67k and she's a single mom and she's always broke.

When I made 24k a year I still invested more than my friends that made over 60k.

And she doesn’t seem to know him at all...

Sizukun yes, she made it a point to say she earns too much to qualify for government help & that she gets no child support .... victim mentality to the fullest

poorpoor single mom with no clue on self reliance....so sad so sad...boohoo. grow up fast girl.

I have. Did you see the call earlier about the girl that didn’t wanna pay debt because it “wasn’t fun”? That girl was something else

Blue Collar Money & Investing Channel He holds it together pretty well. I would be putting my head in my hands so the cameraman would not see my eyes rolling.

I was annoyed with Dave. She has a lotta nerve expecting a pity party because she is a single mother. They have married couples making it. She is full of it!! Like another commenter said she has a spending problem not an income problem.

@@Ghost-jy9hk lol , don't think I've seen that one yet ..

@@CarnivoreStork I'm sure Dave has heard it all. Probably a bit desensitized by all the callers.

😭 you're probably correct

Jim Smith If you have a bank account and want to make extra cash text: +1 (518) 547-4763 this guy helped me.

🤣🤣🤣🤣🤣🤦🏾‍♀️

Ding ding ding

Oops, there it is . . .

tamick2000 If you have a bank account and want to make extra cash text: +1 (518) 547-4763 this guy helped me.

According to Smart Asset.com's Michigan Take Home Pay should be $4748 after taxes. Let me do some numbers: Average Car Insurance is high in Michigan at over 1000 a year so 83-120 a month. In 2017 the average Michigan Energy bill was 97.41. Assuming a large house lets say she pays $150 a month. Home Owener's insurance in Michigan is cheaper but I'll assume that she has a bad rate and say $100 bucks. 34 Gas for her car lets say 100 a month. Health Insurance in Michigan is High at an Average of $416 a month. I'll just double it to 834 a month to include kids. Subtract the 2000 for Day Care and She has $1444 a month Left to buy Clothes (At Consignment or Goodwill), Pay water bills, pay for groceries (At Aldi or a cheap supermarket). Amy if your reading this comment, you need to budget properly

@@parkerread154 why are you scamming people

@@gambers20001 1444 for food for 3 people ($500 min.), water bills, internet, phone, clothes, modest retirement contribution (if any), and her mortgage, property tax, insurance, and any HOA (over 1000 in her case). You can't blame her for being paycheck to paycheck under those circumstances. Don't judge.

@@andredavis2928 I'm trying just to run the numbers. The thing is the monthly expenses with daycare will be gone in about 3 to 5 years I assume. So she will have $1,200k free in her budget when her kids age out. I didn't calculate food in this budget. That was my mistake. My suggestion to her is to go to food banks to help feed her children until they're out of daycare. Consignment shops or Goodwill for clothes. Hopefully that will help her. The thing is her suggestion that she borrow money will make things worse. Because when her budget frees up when the kids are out of daycare she'll have interest accruing on the debt.

They get to deduct that on their taxes?

It’s was 350 a week total not per child

@@clintbeastwood1947 I know that. I'm going by what a couple I know is paying not this dingbat which is the highest I've heard of.I think I can do better things with $30k a year in child care for two.

how about track down the deadbeat father that isn't paying up? Why should she be footing the bill for these kids on her own? geeze ..

SundaysChild1966 Dingbat can’t even track down her own income.

Beans and rice is child abuse....

@@JK20239 we never ate that.

The caller is likely a writer calling in trying to get Dave to hate on Single mums!

Literally same

Because it's not on the SATs and they need the SAT ranking.

Because we live in a country whose largest industry is banking which is largely based on people being in debt.

I guess they figure everyone wants to be a carpenter like Jesus.

Personal finance is part of home economics! I'd much rather we send kids through home economics than through phys ed classes. Many of my peers don't even know how to cook eggs or manage their pantry.

ok boomer

She knows where it's going, she just justifies it in her mind.

Sounds like Politicians!

🤣🤣🤣🤣

😂

😭😂😂😂

Laughed so hard I started coughing 😂

Beans and rice

This whole video was cringe. Sounds like she's just lying about her income. Lol

I agree and I have asperger's!

@@bethanyroberts4744 Do people treat you differently?

yes it was.. .borderline creepy.

Unless she has borrowed so much from so many people that she still paying them back

IF shes making 77k...take home is 4800/mo ....now take away the 401k...still over 4k a month....if she cant pay utilities and buy food with 2grand....she needs to reassess her entire life situation.

If you wanna make 100k a year building software products let me know.

@@WolfGamer2468 tell me more

@@webfreakz Well If you'd be interested, You can build profitable app's without any programming.

And if you know anyone who would be interested then let me know. :)

@@webfreakz I believe the total cost is $5,000, Or $750/month to $5,000.

lol

Daniel B I agree. I thought she as at least 10 yeas younger. Unusual to have two kids in daycare at 43. She needs all the help that financial coach can give her. Hope she takes his advice!

And she's a writer.....👁️👄👁️

😄

I thought she was late 20s too. Not because of her speech features, just because of her victim mindset. "Most people have child support" give me a break!!!

I was about to say thats definitely enough i live in the mitt myself

Mole however after taxes, health insurance, 401k etc that $80k is really $55k. Then take out living expenses all of a sudden that’s $30k, good luck getting to a million quickly netting $30k. That’s the reality for most people. Either gotta make more, invest extremely well and take a long term approach, 15 years plus.

@@ethannaka1822 Having 30k to invest after already contributing to a 401k sounds pretty good to me.

@@ethannaka1822 15 years is not that long time :). Check how much you will have if you invest "only 30k" a year in 15 years.

@Natty Fatty Powerlifting I wish I had this mentality 10 years ago... I would work, but I would do what I truly, truly enjoy.

But surely as a mole, living in dirt would be much cheaper then buying a house

carol smith exactly !! i can hear it in her voice that she does all of thee above

yea you are probably correct she doesnt know how to cook and eats out 7 days a week and that will kill your account fast lol

B Parker exactly

i'm also wondering how many XBoxes, PS4s, games, phones, and other "must haves" for children nowadays. I'm also guessing if one of the kids says I want that, Mommy has it in the cart before finishes saying they want that.

justinredman 😂😂

LOL

LOL! Once Dave can get her address, he’ll send it her way!

Good one 👏🤣

I dont like when some women throw their kids under the bus. Like honey, you weren't going to have money without kids.

$22k a year? Ouch! I hope you find your way out of that income hole

😆

@Natty Fatty Powerlifting My comment was sarcasm. Sorry, I didn't do a good job, I guess.

The comment was fine. Some people can't read sarcasm and aren't familiar with mainstream memes.

@@Linruat also hard to tell over text sometimes

Insert photo of Kermit the Frog sipping tea . 🐸🍵😂

Props to you for being a great mom and living on a budget. I’m sure you’ll pass this wisdom down to your boys

@@Ghost-jy9hk , thank you. It wasn't easy at all. But I hope they learned & listened.

I don’t know how that follows. But it does imply certain extra unavoidable expenses, especially when the dad isn’t helping to feed his own kids.

yea they all use that excuse! She could be a millionaire and will use the excuse im a single mother lol

My mom is a single mom and we do just fine. We have food on the table and can afford to go out to eat. My mom only makes 30k a year but we are still able to do things (without debt). I don’t understand what this lady’s excuse is. We aren’t rich and we’re not broke. This lady just sounds like she is spending wayyyyy too much.

Too many single mothers use that as an excuse. I was there before and never leaned on that status to excuse spending like this airhead does.

Someone sounds bitter 🤣😂😏

I was joking, I'm certainly not the caller. Lol.

Oh and I’m a single mom so nothing is my fault.

🤣🤣🤣🤣🤣 she did say she has some credit card debt but her opening statement made it seem like she was almost debt free. Then she went into that spiral about cant pay all the bills with no full explanation of where her money goes. I think Dave was right about her not budgeting and you don't max out investing when you can't even cover monthly bills.

My 12 year old can budget better. Even my 10 y.o. I spent 40 on groceries. He said: mom you spend way too much. Dad buys groceries for a week with 5. Why did you buy donuts? Way too expensive. Don't buy groceries. Then I can have a 100 euro phone.

Why the eye roll?

@@barccat it just struck me as improper slang in given situation

Julie Mortenson I thought WTH? Why does she feels bad when she’s making more than 75% of Americans, And doesn’t qualify for gov help. Here’s my eye roll. 🙄🙄🙄

You people on this thread can’t think outside of the box at all... Jesus C Dave was on the attack for the whole call and asked her what she got back. Clearly the woman doesn’t know the details on filing and a federal return is known by everyone as the ‘larger return’ so what’s the problem? And $500 is very negligible as she stated. Just means she keeps more in her pocket during the year. Read between the lines and keep an open mind rather than all looking for something that’s not there to bi*ch. ridiculous

However, the caller didn't mention that. Even with her cheap cost of living and zero car payments, no credit card bills, something still isn't adding up.

Right

CeeCee House insurance, car insurance, groceries for 3 kids, utilities. $1400 a month in child care is killing her. She needs to ask her baby daddys to contribute something

@@shutupandeatasmr4498 As they always should, but rarely do.

Exactly he just looks over that…Health insurance, Life Insurance, Dental/Vision, TSP/401 k… not to mention if you’ve borrowed money from yourself and have to pay it back like I did. Plus taxes. It adds up and takes away from your net pay.

I'd like to see what her actual income taxes are. Single adult with three children... Must be very low taxes.

Nah her being a single mother has nothing to do with her not having money. She just wants to make excuses. My friend's friend tells people she struggles and shes a single mother. Her kids are 23 and 25 and their father had full custody of them since they were 11 and 13.

HereIsWisdom 1318 I was gonna say that’s why she didn’t get child support cause she makes more lol that’s the only way women don’t get benefit from divorce, when the outcome could mean making her make less money lol

HereIsWisdom 1318 When I was a single mother I was barely making $30,000 with 3 kids and no child support, but I never whined about it.

Yes! After all, she is a writer!

It's pretty easy to spend your money without gambling, drinking, or doing drugs. Why does everyone always assume that is the case. Ridiculous.

There is a chance she is lying...

Or maybe she only buys organic. She clearly has never heard the word "budget" so it's quite possible she spends most of her money on food because it's very easy to justify. I know rich people who don't smoke, drink, or even own a car yet they'll spend $1000/month/person on groceries.

@@yamamancha true, organic, natural, supplements etc. can drain money easily.

She sounds like she's just bad at budgeting. Probably spending more than she should on some things. I know some one with a fulltime (not minimum wage job) plus a part time job but until recently they were basically living check to check. Turns out they were spending over 400mth eating out and spending most of the second check at the place they earned it. Now they actually count their money and think about how much they spend.

Holy smokes, that's a great match. I missed that detail!

I don't know if she clearly stated that they matched 100% of 12% I've had jobs that match the first two or three percent at 100% and then 50% of the next two or three percent. It could be that she is putting in enough to max out their matches. Could be 100% on the first 6% and 50% of the next 6%... for example.

I get 16k but my dad gives me extra. Lol I have 'closets' in my apt. a normal person puts in their garage. Couches w holes in it, eaten by the rabbits. Who cares. I just don't invite anyone here, except friends from the kids. Put a plaid over it and noone will notice.

Seriously? 30k a year going to taxes and health insurance?? Something's not right with the math there...

Not even close

Weird way to start off the call. She rambled so long, I was waiting for Dave to help her get to the point with his “How can I help you today?”