100%

Yup 😂

Why? Why do you have to read my mind, lol

🤗@@PN-ve9lf

amen

Americans don't understand that

It blows my mind how many 50yo+ are in 100k student loan debts.

@@o0usf0o A lot of that is interest accrual, that is the problem. When you graduate the monthly payment you pay should be paying your loan down but the issues are with the compounding interest that your payment doesn't even cover and some are worse than others. This is predatory and vicious and this I think is what needs to be taken out of Student Loans. Graduating with 100K of loans should not yield a higher loan balance 10 years later after making all the payments correct and on time. Ramsey's should try talking about this elephant in the room not just telling people, simply pay it off as soon as you can as most cannot this is the reality and must be addressed. They need to address the other issues as well as the system is not going to change and people will always need loans to go to school. Its one thing not to pay it and it hits you but the majority are paying and simply cannot get their balances down.

She literally paid $100,000 for a chance to get a $15/hour job

Dude! I know 65 year olds paying off student loans! These are people who got a masters degree in their 50’s. Ya know that Presidential candidate Cornell West, 70 years old, recently cited his “student loans “as a major factor in his money troubles. These people are insane.

Lmao

To be fair to the lady, credit card debt burns a lot hotter than most student loan debt.

@@RupertMDoc she’ll carry that student loan to her grave in all likelihood

student loans are from investing in your education, credit card debt is from bad spending

@@politcallycorrect5816 maybe… I do know people from when I went to college who bought home entertainment systems and motorcycles with private student loans

Yeah very true, if you’re gonna do college do something that is marketable and actually work, it sounds like she started and never finished, such a waste of time

That's the problem. People treat student loan debt like it's optional or low priority, you know, like someone at the White House will magically remove it someday.

No, but the difference is she is trying to fix it. I think they can once they get it together, but at least she had a goal to pay it off.

He's probably tall lol

Huh????

Tall handsome and good in bed. She was dickmatized😅

you know, people don't look for spouses as a source of income... maybe you do though

@@xavil6341 I think mentioning the joblessness is an appropriate inclusion to address relationship compatibility (shared goals and lifestyle). Unfortunately, the caller doesn’t recognize that she actually did choose someone who matches her fundamental financial standards.

I agree his first step should be to get a divorce. Her debt is crazy as hell.

She can always get a higher paying job he obviously is a loser forever If she is 46 how old is he Why diminish his debt and go hard on her She at least has some substance to build on he doesn't

@@ykook7000 lol they both suck. She is 46 with 6 figure student loan debt making nothing, and he’s a 50 year old door dasher who doesn’t want a real job. They deserve each other

@@ykook7000 Her degree is WORTHLESS if she's not wanting to use it. And after 15 years out of the market, it will be EXTREMELY hard for her to get into anything in that profession even if she wanted. So yeah, her debt is MUCH worse than his.

@@ykook7000 If it's that easy, why doesn't she get a higher paying job? She is not exactly a spring chicken. We don't know if the degree is even relevant. An unused degree is normally considered outdated if one has not been employed in ones field for 5+ years. She is only making roughly half of the median salary for her age group, and is $100K plus in the hole. Who is the loser here.

Exactly, most people have 1 or 2 CC and 18K. 22 is insane, not sure how you even go about applying for than many and getting approved.

@@westbccoast I wonder if his credit(score) only approves small limit cc's ?

@@westbccoastevery store has a card they’d love to approve you for

@@westbccoast all it takes is answering every piece of junk mail :-)

Worst decision was having 3 kids with a bum / loser.

@@keithbellair9508She’s a loser too.

He might not work but he only has $18,000 in debt. She still has $110,000 student loans!

Meh its not the guy's fault. He makes $4k a month and we don't know his family situation

The guy is making $1200 a week, if he's tracking his miles he will be paying negligible taxes , with 52 weeks a year, he will be pulling in about 60k per year, the guy is doing ok and making twice what she makes, as long as he can continue to work he is not the problem

Ya they both need two jobs right now since her kids are out of the house.. pay this off so you can retire debt free and have some peace

She sure wasn't very smart her being a phycologist got hooked up with dis function now she's really gonna go on a psych ride now

Defeated😭😭

@liloppo Me too! Congratulations!!!!❤❤❤

Nice! I paid my CC off in 2014, and never got another one.

But your missing out in 2% return and $100 annual fee

@@MrJimmy3459 the 2% return can add up if you pay your balances every month before interest is applied, but the annual fees are bullshit

@@MrJimmy3459 lol 😂

Or has a criminal record. Nowadays that's career suicide as far as a W-2 job is concerned. I wish they would inform high school students just how much it counts against them.

Certain stocks and commodities are a good hedge against inflation, however you need to know what the heck you're doing or better still, seek help from a money coach/invt-advisor

Concurred. was way easier for me to navigate the markets not until 2020 stock market crash, I had to source for an Advsr to revamp my entire portfolio and hedge against inflation. Concisely, I’ve pulled off around 850k after subsequent investments, since using a coach two years and counting

this is huge! can you be kind enough with info on the coach that guides you please? I’m in dire need of one as I approach retirement

Doing your research will save you a lot of hassle. Monica Mary Strigle is her name and she is licensed.

thanks for saving me hours of researching, I curiously looked up Monica Mary Strigle on my browser and came across her website, I hope I can allows interview Monica myself.

Why did you let him do that??

Geez, he should have been assigned some of that debt.

Yep, the problem is many degrees aren't meant to be terminal degrees, but foundational degrees to lead into further education, like law school or a Masters.

6 figure student loans for anything is nuts. Yes many are foundational. But if you don't go further, you are in trouble

​@@greggpurviance7252 Yeah, I agree, but potential students should at least do an ROI analysis. The cost of obtaining any 4-year degree from a specific university is virtually identical. Yet, you can get a degree that lands you a job earning a median starting salary of around $80K with high income growth potential (e.g., chemical engineering or computer science), or you could get a degree that would land you a job earning a median starting salary around $40K with low income growth potential (e.g., psychology or social services).

It is addressed cos every 3rd caller on this show demonstrates it But it's the systems fault remember 🙄🤦

@@ykook7000 just a comment on fault. When there are government backed loans, there is serious inflation and management bloat. That being said, the government doesn't sign up for that loan. No one has to do a buy in to the disaster. That's on the student & parents.

That isn't the problem he married someone with 110 thousand in student debt is moronic. She should have been nothing more than a side chick or girlfriend at best. He isn't the problem she is under working for decades.

@@chattingman6777 I did actually write that comment a bit early before I found out she was 100k in debt for psychology. I honestly feel like her part is probably worse!

​@@chattingman6777let's just come to the correct conclusion... they're both morons

Why? Not everyone likes to say yay boss. In light of cronyism, do you know how common it is for people to work for incompetent bosses, who makes their lives hell on earth?

@@sblijheid If you don't like having a boss, then you need to have a viable alternative to support yourself the rest of your life.

Underachieving is a personality trait. And yes my college roommate never looked into what jobs with her degree would pay before she was about to graduate. I researched that before I chose my computer science major.

​@@lynnebucher6537 Exactly same. Wife and both have finance and accounting degrees largely because they aren't terribly difficult and pay well with just bachelor. With annual merit increase and even a few promotions most make 6 figures by 40's and can easily be double that Degree you chose has even better opportunities. Basically never Incur any debt (particularly kind you cannot absolve in bankruptcy) without incredibly high expected returns. Folks like her doing exactly opposite is insanity.

this is why i stay away from credit cards

And think about how this generation will be when they hit old age.

destitute..@@musicman7297

Then you have the guy who has lamborgnis and has to pay his wife for everything or she will divorce him

@@angel-ij4xv even with no credit cards you can't make a living with Uber. It is a teenager job or part time extra after a full time job.

I just retired from teaching and all I can say is "F" that idea.

🙌 this right here!! Forget the masters but use your degree for something!

Exactly that is one sign of a feminazi

May as well be Left Handed Underwater Basket Weaving😅😅😅😂😂😂😂

Maybe coupled with hard skills from jobs?

@@cindymann3673Speaking as a recent Psychology graduate, they do not give a fuck about that degree unless you are going into counseling or therapy. So the hard skills you gain from research assistantships and mental health care positions are ultimately the biggest benefit

He may make 60k but 25k is gas, insurance, and wear and tear.

He Makes 33k after gas and taxes

ABSOLUTELY

​@thomaspiscitello7330 He would have car insurance expense whether he drove for doordash or not so that's a nonitial and your numbers are way off concerning the amount of gas. And wear and chair on the vehicle . You're also not taking in consideration tax rate offs.

​@@TheTbabylati She makes $33k, not him.

Marriage is a drug.

Don't even think about defining yourself that way. You are descended from the heavens. You get to choose how you will proceed in life.

I think that’s why so many people watch this stuff to feel better about themselves

@@americafirst9144 Yes on new cars and credit cards. I need Dave Ramsey ... but thankfully do not owe as much and have more income without a 100k student loan. That still does not make my actions mature

😂

Agreed but 22? I can see maybe 4-5 but 22 is nuts. I wouldn’t be able to remember or keep track of them all

She destroyed her own life with $100K in student loans to get a low wage job, and letting those loans linger for 15 years and accumulate interest.

I think they recommend it as a second income or a temporary job.

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

Scam

And drive.

YEAP, WAY too many years out of market. Her degree is almost worthless if she doesn't update with a masters.

Somehow they found each other 😉 this is a good example law of attraction, right 😉 I hope they figure the issue out. They need a financial advisor. I see a business opportunity here

How do you have 22 cards?

I don't get it!?😮

Autopay, an app that aggregates all your accounts, and enough financial responsibility that you're not living paycheck-to-paycheck.

He's a helluva juggler!

At one point I was married to a guy somewhat like this only thankfully not 23 cards. Within one year of marrying him along with a mortgage and a car we had $42K in credit card debt. The harder I worked at paying them off the more he charged. When the monthly minimum payment was $1100/month (I was bring home $1800/month and his fluctuated but on average about $1500/month) I told him he could not use any of the cards and he wined about me emasculating him. I decided to divorce him as I saw no future with a man who didn't care about the rest of the family, he wanted what he wanted. I got divorced and was able to pay off all cards that had my name on them. He didn't bother paying off his debt, he went and bought a motorcycle that I don't think he ever got it going!

That's what I was wondering.

It's called autopay.

He married a woman with $100K debt, who is the desperate one here?

* Should have 😉

"Should've".

My little sister is like that: $150 k in student loans. Good Luck!

And only making $33,000!

For an undergraduate degree only!!

Groundhog day This happens all the time Yet it's the systems fault apparently 🙄🤦

You’re killing it💯👍🏾

You don't think he has an income issue? Why use the cards when one already has money?

You are absolutely right, unfortunately some men have to settle for underemployed women with $100K plus student debt. God bless.

Better yet, just dont get married. Problem solved.

I certainly wouldn't have picked him for a husband. I'd I was a man, I def wouldn't have picked her

Even as a side hustle, it needs to be treated as a business.

Agreed. Of course, single means not married. It doesn't mean she does not have help raising the children. They have a father.

Ikr 😂😂😂

Makes me wonder if he married her for a place to stay.

He was making $1200 a week driving uber. She makes $33k a year and has over $100k in debt. Makes me wonder if she married him for a place to stay.@@alicef128

😂😂😂😂

Noooooo you cannot hold women responsible for their poor choices in partners!!! It’s all a big surprise to them and it’s always the man’s fault! Don’t you know anything?!

??????????😂

I'm pretty sure I saw a Ramsey video where a person had 30+ credit cards, years ago.

I think it's called "I have 35 credit cards, how do I pay them off." The video is like 7 years old.

Sheesh...I thought 22 was a lot

I had a good 15-20 cards due to shifting my husband's debt to the next one offering zero interest for a year or so. Back then there was little to no cost to transfer the balance. I never allowed him to add anymore debt but it was a long 4 years getting him to pay them off. I closed most of them after.

I worked my way through 4 years of college doing on campus jobs for the college as well as typing term papers for guys, etc. But that was almost 50 years ago.

@@gailrodgers3079 Well but that is part of the problem. The further back we go the more affordable some thing were. I was able to pay my 35K loan off in 5 years from 2009 to 2013 but today making 40K which is twice what I made back then I can't currently pay of 35K!!!!!

@kyaramonique385 That's Fantastic! What kind of work do you do? 😇

Well, she's a lazy groupie.

She could doordash at night herself.

​@@sblijheid if I eas her, I would, at least until I could get a better paying day job.

Focus on two primary goals. Firstly, prioritize your safety by understanding the opportune moments to sell stocks, aiming to minimize losses and maximize gains. Secondly, prepare to capitalize on market shifts. I recommend seeking advice from a Certified Financial Planner (CFP) or another professional to guide you in achieving these objectives.

Shut up scammer

Accurate asset allocation is crucial, and some individuals use hedging strategies or allocate part of their portfOlio to defensive assets for market downturns. Expert guidance is vital for achieving this. This approach has helped me stay finan-cially secure for over five years, yielding nearly $1 million in returns on invest-ments.

Please can you leave the info of your lnvestment advsor here? I’m in dire need for one

Amanda Kathryn Sachs is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

Amen! I preach this to our kids

Well it’s good to have to build credit. You just need to able to manage it properly and try not to overspend with it

​@Kayla-hs9rt credit is nothing. It allows you to get in debt and nothing more. Pay for things, don't borrow and pay.

Which is why I pay them all in full as soon as they post​@@RichardPatrick84

Is it any shock that the people who set-up this crap system arent smart enough to manage their money?

You would not figure this out BEFORE you called Dave?

@@wewhoareabouttodiesaluteyo9303 his rant at the end. I would not be in that situation. I would not tolerate that behavior.

Not in America everyone goes to college remember it's normal Stupid people are in all walks of life regardless of education status