Jade is a rock star. Smart, witty and very beautiful. She is the total package and I'm so glad she's on Dave's team.

Oh my gosh! I am 57 years old and have never had my nails done professionally. When I did do my nails, I did them myself and used store bought polish.

This call isn’t about nails! This call is about mindset and behavior.

Nails is one of them. Pedicure, hair salons, high fashion shopping, etc. She's spending way more than she says 💯

"I work in a professional industry..." There is the mindset about needing the stellar appearance with everything.

6:38 Dave's body language was like "There it is. BOOM. Nice catch, Jade."

I was spending $130 every two weeks. I do my own nails now and I save tons of money. Plus I hated being in the nail salon for 4 hours out of my day. Being there wasn’t relaxing, it was chore to me.

Can't believe this was a real question. Thought she was kidding at first lol

caller: - i have brittle nails... dave: - what's your household income? 😂😂

$66k on the car. Wow. Grateful for my 2006 Durango. Just got it detailed yesterday. It feels great. Freshened up. And paid for!!

This call was like nails on a chalkboard.

Sally Hanson ' hard as nails' in the gold or platinum bottle is the best!

Hard nail coverings are applied to make the underlying nail more brittle with each application, increasing the need for further applications. Scorched earth approach is needed. Let them grow out fully (6 months) and keep them natural. EASY.

Nails are brittle from over treatment! Go without for a few months and they will heal.

Dave nailed it. The fact that they aren’t on a budget is the issue. Yes the husband is almost certainly spending frivolously as is the wife. If they actually got themselves disciplined this debt will be a big fat nothing burger.

Maybe the BMW is the issue. She's going to keep up with the Joneses as long as she can.

Money doesn’t cause things. Money Magnifies what’s already there. Good and bad. Money isn’t the problem, it’s the symptom.

Ladies read this. Me and some buddies had a discussion about lady’s nails. Guys are not impressed with nails. If you’re doing it for the guys, wasted money. If it’s for yourself or to impress women keep blowing the money on something that lasts 2 weeks. While I’m at it, stop plucking off your eyebrows

They dont know where their money is going, guarantee she is doing way more than nails.

“What’s your household income?” “Sell the car” Dave’s contribution to every conversation finds it way in!!!

Always the guys’ fault not the girl with the new car

"The budget is like bloodwork" I love that

I do my nails, hair and eyebrows. I also do my own shampoo, deodorant and Toothpaste. 😅 I was 320k in debt and we decided to get it paid, last month we just did our last mortgage payment. So, screw salons, I prefer my Roth Ira to get fat and my savings to go up each month. But, I guess people have different priorities 🤷.

Took me about 5 months to learn to properly give myself a haircut. Saved around $120/mon not going every week. Clippers was a 1x purchase of $35.

_Dave blames the man, more news at 11!_

Getting nails done is not a need! Get out off debt first ! I’ve never had my nails done and never will as it keeps my nails healthy (frequent manicures can weaken your nails)…….had colleagues who were broke yet these ladies got their nails done all the time because they think it’s a “need” 😮 …the cost for getting nails done outside can really add up … really expensive long term😂

It's a luxury. Just like getting a massage is a luxury. You can rationalize it any way you want that it's needed for your profession etc. But it's a luxury for aesthetic purposes.

I teared up when Dave told the story about the guy who sold his prized knife collection

I am 69 years old and never in my life have I had a manicure or a pedicure. I do a lot of gardening and work around the house. That is just such a low priority for me. There are so many other things to be concerned about than what my nails look like. I just don’t get it.

jade is SERVING...PERIOD!

$200k a year and $15k in savings?

At the end it sounded like she was celebrating if they stop retirement that she could keep doing her nails 😂

You are in debt no you cant. Otherwise keep doing what your doing and embrace your life of debt.

Its so stupid to ask this.. what a waste of call 🙄🙄🤬

Fortunately, my Grandma learned how to do nails in the 1960’s and she taught me how to do my nails. Even when she worked for the post office, she still had fabulous nails. When money was tight, she taught my Grandpa how to dye her hair with home kits. I budget getting my toe nails done and try to maintain them as long as I can.

Here's a tip if you want to cut your salon trip cost. Go to your local tech schools that are doing the cosmetology. Sometimes even the colleges have them. You can call the school and ask for the cosmetology department and be able to make an appointment. I only paid for the supplies when I got my hair dyed. And I think the haircut was $5. They are dirt cheap and it helps them to learn! Yeah are they an experienced sure but they're learning! Some of them are really good at what they're doing though!! Please help support your local high school and colleges!

Constant use of acetone and the UV lamps involved in gel manicures can weaken the keratin in the nails and cause a rough surface leading to brittle nails and even breakage

Dip powder? My mom did her own nails and still does, she is 80. Finger nail polish remover and emery board and nail polish. Less than what is going on now days and none of it is necessary.

Layoffs are coming. Don't get too comfortable spending money.

How in the world did this turn into an attack at the husband 😂😂😂

I've been debt free for a year now & have long beautiful nails- I cant do gel as they destroy my nails, so I paint them myself!

Once someone gets gel nails the nail is RUINED!! I did ONCE for a special event- that’s it for me!

I liked that story about the knife collection. Inspiring.

Nails, makeup, hair, pedis, coffee out, all puts you in debt

As a woman I really am just as shocked as men why people get their nails done 🤷🏻‍♀️ I got no desire for that. I got pretty natural strong and nice nails and just paint it at home. What a waste of money

Americans waste so much money on vanity services. 🤦‍♂

You can get your hair and nails done with Dave's new formulaic blend, "Beans and Rice". Available at a dollar store near you!

I do my own gel/ dip and they turn out just as nice as the salon! I spend nearly nothing on materials and they can be used multiple times. I only get them done for special occasions.

I never get my nails done. Nothing like short nails, maybe a light polish, soft hands. So classy.

We make about as much as them and will put away like 82k next year. This woman is just high maintenance, that's all there is to it.

I laughed out loud when he mentioned her husband is still buying tools at home depot 😂 that was me! I had to put a line item for that eventually 😅

Dave is a wise and amazing grandpa. I do wish my kids had even 1 grandparent.

I’m fortunate enough that my wife is allergic to getting her nails done and she just purchases glue on lol

On 200000 a year , and needs to finance a car

Acrylic products can cause damage to the nails themselves. They may cause a condition called “worn-down nail syndrome,” which involves the thinning of the nail after exposure to acrylics and nail filing.

A $60k car probably not the best decision, and if they want to downsize to a lesser vehicle, go for it. But no need to go scorched Earth and drink the Ramsey Koolaid on this one. Yes, get on a budget, allocate for the pedicures and gym memberships, but do not cancel the retirement investing. Does your employer provide a pension? No? Then pausing retirement savings is doubly stupid. Without a pension to rely on, 15% investment rate is probably inadequate.

Fifty dollars every two weeks? Oh my... The nails. 😂 After the learning curve, it is actually easy for women to do their own acrylic nails at home with a kit from a professional beauty supply store. The kit should include an antifungal base, and two-part acrylic (activating liquid dipped into acrylic powder used to fill the cuticle or build up the nails), forms for extending the nail length, and a fine applicator brush. Additional supplies are cuticle nippers, cuticle pusher, a mask, and foam core nail files in coarse and fine grits. The process: Use the cuticle nipper to chip up loose acrylic at the base of the nail. Paint the nails with antifungal (this step is important). Then dip the fine brush in the liquid and use it pick up a blob of the powder. Apply and smooth the blob of powder at the base of the nail to blend with the existing acrylic. The cuticle pusher can be used for shaping and detailing. Sand the hardened acrylic to blend into the existing nail. When everything is smooth, paint the nails. If a nail chips off, create a new one using a form. I did my own nails when I was bank teller because acrylic nails were not in my budget.

He's investing for retirement she's getting her nails done. She bought the car and probably the overpriced house. It's all his fault for investing and not paying off her car. Dave you are a treasure.

I use Press On nails. They last 2weeks. Let my nails breathe for a few days. Love them.

Every 2 weeks isnt always necessary. I get mine done every 5 weeks. Just depends on the salon.

Wow

Anyone here still super deep in debt but still spends money getting their nails done at the shop regularly like every 2 weeks (besides for special occasions of course)? What is your reasoning besides "I deserve it"....? Just curious....Several people at my church do nails as a side hustle in weekends and customers can easily spend $200+tip in one visit....shocking!

$16,000 a month and her main issue was wondering if she should cut the $50 nails out the budget? That’s obviously not the problem 😂

I’ve been doing my own nails by myself for my entire life and that includes polishing, cuticle removing and gel. I’ve probably saved over $20,000 in 15 years by doing it myself plus lots of time that I don’t have to spend on driving to a nail salon and back. I only do it professionally when I have an important event.

I do my own gel and polygel and dip powder, much cheaper just takes some of your own time

I color my own hair and cut it too. But I had a fancy style I'd train a friend to get my nails did. I can't do my right hand any way.

So $100 a month on nails which she'd throw at that debt. Thats $1200 a year paid off. I am a nail tech , i don't even do my own nails, i don't even go to other nail techs to get them done either, my nails are always bare, my nails break like crazy too by the way. Just get a good base coat,gel colour and top coat and paint your nails until you're out of debt ❤, your nails don't have to look perfect.

This call is a joke. You can buy your own nail polish.

Crazy they only have 15k savings and earn 200k a year. We earn the same and have 0 debt of any kind, paid off mortgage, and max out our retirement fund each year and even fund a taxable account each month and have 2 years worth of emergency fund saved about 10x the amount they have. And that is not counting our retirement accounts. As our income changed we didn’t change our lifestyle all that much. Maybe eat out a little more than before. We are also millennials.

Dave wasn't having this caller 🤣🤣

I cut my own hair. Oil my own cuticles. Buy secondhand clothes. This is so doable.

Damn, Jade looking extra hood today!!!

1:37 😂 love it 😂

my wife bought the gel dip powder and saves us so much money

Save up for a car, it's not that hard

I do my own gel nails for years, I’ve just upgraded to a two handed lamp so I can halve the time. This lady has a huge potential budget but her priorities are skewed when she brought up the car crap and “professional industry” which is code for “I want to keep up with the Jones and I want to justify outsourcing beauty treatments instead of learning to do it myself”. I miss having the money to outsource my beauty treatments but it’s worth it to stay at home with the kids and start my at home business

200K, and only 15K in savings? Girl math.

It’s an extremely indulgent luxury. No men at work are judging your nails, guaranteed.

How is nail techs & hair stylist supposed to make money if NoBody goes to them? 🤔

She does not need to sell her car. Do not stop retirement. Of course, they have to find a way to blame the man.

Last year my wife took me for my first pedicure and manicure. Two weeks later my nails looked the same as when I cut them myself. It is definitely an unnecessary luxury.

At 65 I feel for the women that feel they need extravagant manicured nails in their industry, especially since I got lacerated by a bank teller one day as I was handing her some documents. Since it was during COVID, I went home to wash my wound. I really liked her, but I let them know what happened only through the 'how was your last visit to our branch' email I received. I wish that women felt so much more valued without the extra stuff. Do men like the long nails?...........just wondering........... I tell my students they should be saving their money.

Lol. It’s great Dave is old school about everything.

I've had my nails done a few times in the past but, was a basic trim and polish for $15. Too high maintenance for me. I've been doing my own for years now and, not having to drive to a salon has cost me $0.00.

Dave's technically wrong here. They make $200k but they don't get to keep $200k. You have to pay taxes. $38,400 comes right off the top. Another 36k in house payments. Another 30k in their 401k. These people said they went through FPU during Covid. THEY FLUNKED BIG TIME!!! They are down to 95k and no wonder they are worried about the BMW. What they should be worried about is the local church doesn't have a FPU course soon enough!

My fiance out of the blue decided to try and do the dip powder nails herself and to her surprise she did a great job and enjoyed doing it, me being the numbers guy I put together her costs if she was to get new color and not buy in bulk and it came out to less than $5 and lasted 2 weeks easily. Now we are in the ideas of her and her girlfriends creating a club for only $40 a month where they drink wine and gossip while she does their nails while me and the men enjoy our cigars and bourbon.

$1400 a year in a grooming budget is completely perfectly acceptable for someone making $200k a year. She’s spending $36k a year on housing and is somehow missing literally another hundred thousand dollars somewhere is the issue.

"I'm Unqualified to Answer This" -Jade on virtually every piece of financial advice she gives

Do NOT do the dip kits at home. anytime you get your nails done in that way, you’re opening yourself up to getting an acrylate allergy and it’s way more likely at home and it isn’t something you want because it’s in everything. Do you want to be allergic to everything? Don’t do it.

This poor baby doesn't know any life but loans and debts. She thinks it is normal to be in debt.

And of course Dave makes it sound, to the caller, that it is all her husband doing all the spending. Likely, he is spending a lot of frivolous money, but more than likely, she is too, but he just gave her vindication that she is not the one responsible.

I took a fake nails class. Now I spend $30 every 2 months and do my nails every 2 weeks. Like 2 hours of just me time 😂😂 hide from my family.

Afternoon sir is a way I can get hold of you I have a few questions to ask you

Much like the government, this couple has a spending problem.

TJMAXX, Marshalls, and suchlike places have OPI, Orly, and Essie polishes for $5 or less. I also have friends who’ve had good results with the dip powder kits from Amazon, strangely enough, lol

My nails were SO unhealthy after doing the nails...they got thin and soft and hurt so bad.

To ask about a recurring luxury service that costs over $100 per month when you are in Baby Step 2 is kind of silly. Do them yourself, or you could let your husband try. When I was there, I saw every dollar that I spent as costing me interest, the interest that I could otherwise save by throwing those dollars at my debt.

The real questions

How many times Dave cuts off the other co-host or guest?

I have 23 % in retrirement i can’t change it it in the contract