You’re absolutely right. California is great for people making $200K, but the state is really only good for vacations, not long term. Last year, I was living with three roommates and in order to afford my third of the rent, I was working three jobs and had to ask my parents to cover the other half. I eventually had to move back in with my parents and I still can’t afford rent even though I live in a much cheaper area.

She lives in SB which is the armpit of the Inland Empire. This person needs to get on a budget pronto!

Move to Texas

True

Glenn Smith too humid

I thought she said $70,000 so that means dude makes $20... before taxes. He needs to step up his money making game.

pretty much what I was thinking.

He could just stay home with the kid. Thats $12k of his $20K.

If door dash and uber didnt cover the cost of gas why do people do it at all? It is a voluntary transaction to drive for these services. You are spreading lies. Stop it.

i feel like your comment is the best advice from this video. lol

Awesome. I started 2018 with $11,000. cc. Now sept 1. It’s $5000.

Wow with 90k you shouldn't be in debt in the first place lol. Good job though

Good for you. You're rich though, so your plan isn't really practical at all.

@@kelleykalomiris1256 90,000 isnt rich. That's considered middle class. I've even heard Dave talk about 80,000 not being rich enough to afford a $40,000 car.

I'm 500,000 in debt after watching this show

Dave doesn’t even know how much daycare costs

Mrdirtyuncle01 hilarious!

LOL

Mrdirtyuncle01 best comment I've read today. 😆

Oatmeal and raisins

lol Dried beans are 10 cents a serving and contain fiber, protein minerals. Rice is 7 cents a serving. It's usually fortified with minerals. Manchuran Ramen is 20 cents a bag and is basically dried fried flour in string form. Plus beans fill you up for longer than ramen. I know it was a joke, but seriously beans and rice are the better way to go.

Same over here 😬

Joe joe Same, I’m 17 applying to colleges rn and I’m really glad I stumbled across his channel. I was thinking of going to a pretty pricy art school to study animation, but after seeing these vids I’m not so sure. They didn’t scare me away from my dream job, just taught me how to not be too stupid following it

Soon youll be able to graduate from Dave and start following people who teach you to leverage debt responsibly.

Jimmy Bob pls recommend, any name is helpful

@@obilim2155 "Meet Kevin" and the best source is "Bigger Pockets". All real estate stuff. Full disclosure I'm still working on paying down consumer debt.

That’s smart

If you guys are still doing this, how is that working out? This kind of schedule can put a strain on the marriage.

@@dinimakhmudov1674 it works for us…we do have some days off together

That’s what my parents did when I was young one stay home as the other worked then got off took care me an other went to work

As a very long time viewer of your videos, I never thought i'd see you in the comments of dave ramsey. This chick is weird though - 70k income and only bringing home 40? There is something she isn't saying. She has some funky deductions going on. What is minimum payments on 20k of debt? It has to only be a couple hundred bucks. That is nothing

Food is the number 1 priority. You should know that big boy.

Ahh big boy, you must be the collect kid in the 5th grade...Im kind of shocked someone so simply would be interested in a financial advice channel....Hopefully you and your calculator can keep up with the conversations :)

vinny thehourshower an adult does not need to eat everyday. You’d be surprising how easily it is to do.

What’s even funnier is what some people think a “need” and an “emergency “ is.

That's a brilliant concept

Love it

That is major truth. That's a good word! Gotta stay humble.

Truth Exposer 💯

🙌

Lisa Muryn what's with his son?

Teresa Zinzi It has nothing to do with his son. It's Her son. Did you saw the : after Dave?

Teresa Zinzi it's what Dave said to the caller

Conservative Prosecutor or lost custody some how...when he asked her that question I was just like gees. They seem to be spending a lot on their son, things around the house, their lifestyle or something. They really need to leave California. I pay 1.3k in rent a month and 1.6 k with everything. I only make like 34k a year, I'm stuggling with my debt and I have more than her. However I am usually able to make minimum payments.

Conservative Prosecutor I understand that, relax. Instead of making a joke out of situations that are actually happening, I said that she could have lost custody giving a real life example since the woman worded as if she didn't have her son anymore and Dave asked her the question, but thanks🙄

shes in california

Maybe she has a higher interest rate

Tabitha Marsh where do you live?

Paula Aquino San Bernardino doesn't have the same cost as places like LA and San Francisco. Not all of CA is super expensive

JacobslifeinVegas inflation is going up everywhere. Even living here in Georgia isn't cheap but California has the same state tax no matter what part you live in. It may not be silicone valley but cost of living is still higher than other parts of the Nation

you forgot option 3 the fastest option of all - live below your means and make more money :D

option 4. get on a pole and make that money honey!

Agreed

Make more money? Is it really that simple for average joe ? Makes me laugh.

Living below means? Or not living? She has medical bills. Clearly, someone got sick!

San Bernardino is not the same cost as LA or San Francisco. Not all of CA is expensive

California NY NJ also

75k two ppl is bad

I live in California & make $7k a year. About 145/weekly.

Quagmire Doing what? Sleeping with women? Quagmire you perv!

John F i know I was cracking up! And dude said beans and rice budget 🤣 no wonder my dad cooked that all the time!

Love that line.

restaurants are definitely for people who have too much money. then they say they are poor an need money after spending $50 a day on food 🤣🤣🤣🤣

Maybe he cleans toilets for a living.

Right ! I suggest moving to cheaper state . It’s amazing how she making it on $40k in CA

Lol

Traci Jehan Watley This is the reality though. Not everyone can find jobs that pay higher than min wage. Without some sort of degree

Yeah it didn’t make sense at all

Ralinebe 233 yeah it's true, but to stay home and not work would cost 25k.

Yeah, and I don't care Dave says.

If she shops around she should be able to cut that bill in half

poodlegirl55 because it’s just an excuse

@@poodlegirl55 he don't care

Yup, just have to grab the affordable ones. Bag of apples, lettuce, cuke, tomato, a few bags of frozen.

And have a "splurge" night once a week with meat. The splurge night is a good way to keep friends. It's hard to keep friends when you don't go out to eat or don't go out drinking. But inviting people over for dinner a couple of times a month lets you stay in touch without overspending. It shows them that you care, even though you can't (won't) spend $40 to go out to eat with them.

VEGGIES here in DFW are HIGH... only the food that is not good for you is CHEAP

@@scorpion777silvermoon3 Frozen veggies at dollar tree (check expiration dates) can be an option or at any grocery store. Sometimes they’re cheaper than fresh and can be better

Ur vegan

He should get rid of that job and get a better paying one.

pimpballer3 exactly lol

Great idea also go through the statements and see what you can cut back on. What are luxurys and what are needs. When my husband asked me to help him with his he was shocked to find he was spending about $10-15 each week on snacks from where he worked.

get rid of netflix

Cable aint the problem.

Mr B ....I have to agree! Cable is so overpriced....just stealing from the average family!

ineedhoez .......I agree to a point...but hope you agree that cable is definitely so overpriced. Cable companies are gouging the average family.

Waste*

@@chiaraippoliti 😂😂😂😂😂

chadwick hayes Not in San Bernardino

JacobslifeinVegas yes it is

What? $70,000 is low income? That is outrageous! There's no way I'd live in CA if $70,000 isn't enough income. $70,000 is super high income in Western PA!

Pretty much , to make it in San Diego you’re suppose to make at least 100k other wise you’re considered low income

With $70,000/yr, you can live like royalty in KY

Children are a waste of money

@@TykoBrian7 not if one parent stays home

Kufre Akpan ???

@@TykoBrian7 kids are expensive. Not a waste geeze loser...🙄

@@NoName-sp5dp Then they waste their income availability, and dwindle options in the workforce for when they return due to lack of recent experience.

As they said in the video, she’s not even ready for the baby steps. She is still pre-baby steps.

What country is that?

She didn’t get sick, she had a baby. Learn to figure these things out.

@@wlonsdale1 The one with 40% plus tax rate.

Thats it....going out when you should be staying at home....eating out when you should be cooking at home....those 2 right there will put the simplest person in debt big time.

Move to Alberta! The $105k goes a lot further than in BC.

I don’t know why he ask about gross. I only care an use take home pay cause that’s the money I get lol

Cheaper apt in california ?

Its Cali. Her man needs to stay home

LuigiFan1305 I hate to say it, 1400 a month is extremely low where she lives. We live in the next town to hers and our rent in 1550 for a 1/1 apartment. And that’s the cheapest one in our city

I think Dave was more on saying she needs to look out the money they are having withheld from their checks. To make $70k and only see $40k of it is ridiculous. Divides out to $3333 a month ... $1400 apt (cheap in Cali), $1k childcare, $400 for medical insurance ... they only have $533 left for food, gas, and debts.

perfect example of...its not what you make...its what you spend....

Ever met a female? They spend like $30 a meal at a restaurant and then they complain about that has they have no money n there poor. it's like only rich people can afford $30 meal

Spouses and kids don't add debt. Kids are expensive, but it only adds debt if you borrow money. And spouses make things cheaper. It costs the same for two people to live in a house as it does for one person to live in a house. But you get added income. Or, at the very least, free childcare.

​@@---cr8nwI think he means your spouse CAN BE a highway to debt. Plenty of spouses aren't ideal partners and spend horribly. After you sign a marriage contract, you potentially have an idiot that can put debt on your plate. Kids just make shit harder. Congrats, little Billy comes with $150,000 in medical debt. 😊

@jaquandrejones , my son's healthcare has cost way more than that. Still cheaper to have two incomes and more expenses.

Sometimes a person themselves can be their worst enemy. I think you have to be on the same page and sit down and work together at it and if you have kids yoh have to involve the whole family but still make it fun. It really makes your relationship stronger if you can talk about money, make a budget and plan together. 💕

then daves family goes an genocides some *MORE* people an steals their land an resources so he can eat caviar.

I know right?

Nicole Barnes I work 2 jobs

Fire Blade890 cool

Nicole Barnes Seems to be the answer to a lot of life’s questions.

No, learn to manage your money is the answer.

Yeah. I figure after taxes and health insurance and lots of other line items..... plus my charitable giving, my take home pay is half of my income. My aunt always told me, plan on living on half of your income. With taxes that is true.

Why should healthcare expenses be based on salary rather than health? I'm perfectly healthy. My medical bills are low. I shouldn't have to chip in to pay for healthcare of people that have been smoking and drinking for 50 years. Similarly, my son, who has a genetic disorder (through no fault of his own), has high medical bills. Why should other people have to pay those bills? Because they make more money than we do? That's just a greedy way of looking at the world.

@@---cr8nw First, I'm not quite sure I understand how you can say a single payer healthcare system is "greedy" as compared to a private insurance system like there is in America. With respect to people sharing costs of healthcare via taxes - what it comes down to is, what does your society value as important? Does your society value having people be healthy? Does it value people not having to claim bankruptcy because they were ill? If the answer is yes, then a single payer system makes sense. Public education up to secondary school is free in America because you decided having educated people, regardless of their financial situation, is important to your society. Similarly, all other developed economies have the same view when it comes to healthcare.

@@---cr8nwyea until u get into a accident , house fire , get older then omg the medical bill

@@jborrego2406, yes, as I get older, my medical expenses will probably go up. So again I ask, why should my salary have anything to do with it?

exactly lol. I would like to know what there doing with there money.

so true

That’s a lot of his callers. “I owe $40,000!!” What’s your take home pay? “$110,000l” 🙄

She is paying a 1000 for child care Did he count that.

😂😂😂

Please do help me. What plan would you recommend for me to switch to? A reliable service

Agreed. The husband only makes 20-25k per year. That means daycare is half his paycheck. Even aside from the numbers, that's a depressing situation, knowing that you can't afford to quit, but that your effective pay rate is about $5 per hour because you have to spend so much just to keep working.

I’m gonna go out on a limb and say once she told him it was $1000 a month, he knew how much it cost.

@@---cr8nwthey they choose to have a kid . Also my parents did on parent stay home as the other works . Then they come home take care me when the other leaves . Do even or night .

About as low as you'll get in Cali, I suspect.

She didn't just "casually" mention it. She pointed it out because clearly Dave missed that kids are expensive. I have one kid in daycare. It's our highest bill. Higher than our mortgage, higher than our health insurance. I can't wait until he's in public school. And I'm thankful that our kids are far enough apart in age that we didn't have to pay for both to be in daycare at the same time.

puppetmassster I’m gonna go ahead and say no.

No. That is realistic. I always just plan on taking home half of what I earn. It has always been that way for me. Of course, I have always pulled out 401k and charitable contributions. But I just plan on living on half of what my income is.

Lakisha Jones I’m so sorry.

Mine too.

Same here.

He told her to change her W-4 form, and then her taxes would go down. How did some of you people make it to adulthood? SMH

VOTES DONT COUNT! ITS RIGGED!

You are blessed....dont ever leave....us poor americans wish we can relocate 💔

@@irishcladdagh3 there is absolutely nothing keeping you from leaving. Bye.

cody baker if you care for help Contact Tony he paid off my credit cards same day I met him . Text him up on 1 2 5 1 2 6 5 3 2 5 9 . You can try him out

Yes snowball it as soon as you can with as much as you can....You got this....and try not to use those cards anymore...cash flow your shopping and keep it to a absolute need of your items.

How do you know they are on obamacare?

Is that why people talk about flight from California to Texas?

Obamacare isn’t an additional tax…. I see why you watch Dave Ramsey, he makes it easy for you to understand huh?

@@burkles4456 My Obamacare fee was $700 per month in CA. Now please explain to me how that WASN'T a tax!

Why does he ask for the gross , most important is ur take home pay

prob is. you can have insurance and STILL have big medical bills

Obviously, she has medical insurance, but there are such things as deductibles.

The 400,180,80 shouldn't matter that is taken out beforehand, she said she makes 50k gross and they make 70k combined sounds like the husband needs to find a better job.

@@rodriguez9489 No, she said the $400 was something she was paying. The husband's came out of his check.

@@rodriguez9489, even so, 933 per month would be tight for food, electricity, gas, transportation, and debt servicing. Especially if they have car notes. Undoubtedly, they do.

What do you mean? How can a person not afford it? Nevermind though. I just read your name on here

@@darienhubbard2207 lol

Side hustle. It's what he calls an extra part time job.

Any other way aside from your real job to make extra money...its called a side hustle