My Financial Situation Is Worse Than I Thought!

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Жыл бұрын

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Пікірлер: 477

@JustinCase780 Жыл бұрын

Even the dog is very concerned.

@paul_domici Жыл бұрын

😂😂😂

@skydude1996 Жыл бұрын

He's about to get sold, of course he's concerned 😂

@JARVISK600 Жыл бұрын

😂😂😂😂😂

@bralex970 Жыл бұрын

You guys made my day lol 😂😂

@TALLXXL Жыл бұрын

HE WAS BASICALLY..SAYING ITS ALL HER FAULT.

@boston312 Жыл бұрын

This show always makes me feel great about my single debt free life

@feliciavale4279 Жыл бұрын

Same mate, when I do get married I'm not going to let my wife spend us into the poorhouse either

@terriesowell1025 Жыл бұрын

I agree! We live in MO. Live very simply. We've been out of debt for over 30 years, not because we've made a lot of money, we sure haven't. It's a penny saved, a penny earned people. We haven't spent a dime on interest for over 30 years. We've got to are good decisions. You can do it's so worth it!!!

@danhertel165 Жыл бұрын

same here, I am single and debt free, but I am 71 and may retire soon and will never get married again.

@annajbananas Жыл бұрын

Same

@amydoran9987 Жыл бұрын

Yes.I’m glad I do not have these issues.

@time2eat850 Жыл бұрын

I was going to Japan for my Birthday but there is a voice inside my head. Tells me "Broke people don't go on vacation" 😂😂😂

@rinistephenson5550 9 ай бұрын

And Japan is really expensive! Sorry!

@Julian-zc9vm Жыл бұрын

Dave face when she mentioned that the remote workers were the first to get laid off, haha.

@mtbokor1969 4 ай бұрын

Dave was the person who said remote workers were the first to go , not the caller

@Julian-zc9vm 4 ай бұрын

@@mtbokor1969precisely. His face said I told ya so.

@Ryan_DeWitt Жыл бұрын

I actually think you should feel overwhelmed and stressed if you are in that much debt. If you didn't then that would be a bad thing IMO. That stress is what drives us to do what it takes to fix the problem.

@NWI_Steel Жыл бұрын

Great point

@drewdelaney4166 Жыл бұрын

Sometimes you can’t fix it. Can’t get blood from a stone so might as well resign ourself to the destructive element and say F it. Try and enjoy the day to day.

@shachede6828 Жыл бұрын

@@drewdelaney4166 huh?

@jamigoddess Жыл бұрын

Why would you have all those kids and drive yourself into so much debt? I don’t get it.

@Sevkingblade Жыл бұрын

Dave still tends to think these companies care about you more if you're onsite. They care about their bottom line. That's it. Nothing more nothing less. If cutting you means making a target, guess what? You're gone. Onsite or not

@eclipse.5295 Жыл бұрын

I’ve been working remotely since well before the pandemic.

@stephenshelton4267 Жыл бұрын

It's boomer logic. I'm surprised that he doesn't believe a tie is required to do work too.

@joyfulhomemaker8053 Жыл бұрын

That isn’t what he has said at all. Businesses see where there is a lack of efficiency and get rid of what isn’t performing as well. There is also an element of out of sight out of mind

@Sheryl777 Жыл бұрын

@@stephenshelton4267 Yeah I can see the tie being handy to strangle someone with if they don't do their work or a good job lol (joke!)

@jimmymcgill6778 Жыл бұрын

@@stephenshelton4267 A tie isn't require to work.

@bgbell3049 Жыл бұрын

Compassion and solid financial advice from Jade and Dave. Makes this show special.

@Bravo78631 Жыл бұрын

LOL listening to The Dave Ramsey for cardio ,must have been an intense workout

@MT-yx5cu Жыл бұрын

I do the same while on the treadmill lol

@vickieclark5931 Жыл бұрын

LOL

@genxx2724 Жыл бұрын

I admire her for learning something during her cardio time.

@mavsman7449 Жыл бұрын

😂😂

@jaybenekin Жыл бұрын

😂😂😂😂😂

@frodaddy2394 Жыл бұрын

Sounds like she has a choice to make: send the kids to public school and find a job, or continue home schooling and work nights or weekends. She gets to choose how it's gonna hurt. People in the comments crying about "have you seen what public schools are like lately?" "being a stay at home parent is a job enough" yeah ok well then she will continue to live like this instead. Tough times call for tough decisions and sacrifices.

@karlabritfeld7104 Жыл бұрын

Sounds like religious people who think their way is the best way.

@MILLIONDOLLA_NITEMARE Жыл бұрын

Truth

@shachede6828 Жыл бұрын

Facts!

@sharisss2608 Жыл бұрын

She could still work from home and send the kids to school she could probably get more work done with them gone even if she finds another remote job.

@MrMlbfan6 Жыл бұрын

@@shachede6828 exactly lol then they get the grind on

@jackkonnof4106 Жыл бұрын

i love that your gonna live like broke people . Im debt free and have savings {living off of it} I still live like broke person because thats how I had to live to get to where I'm at.

@georgewagner7787 Жыл бұрын

Yup. Clothes at the local second hand store. Very little meat. Lots of eggs and veggies

@YummyFood454 Жыл бұрын

That’s actually a good income, $80k+ with only $80k debt is 100x better than everyone I know and I hear.

@dt6750 Жыл бұрын

that’s very low in Cali and I totally understand why she stressed out.

@carmensandiego2395 Жыл бұрын

I was thinking the same. 😳

@zybard01 Жыл бұрын

true. any time someone says their debt is about 1yr of income I think thats not bad, unless you make $50k and less, then it can get tricky due to living expenses eating up your budget

@michaelvang1902 Жыл бұрын

@@dt6750 Caller is from Central CA. 80k in that region is pretty good.

@dickjohnson5211 Жыл бұрын

Heaven forbid she put the kids in school and gets a job.

@matthewgardner2144 Жыл бұрын

And stop with the "mission trip" when you have four kids. They probably also tithe to their sketchy church. Even though she homeschools and used to WFH she likely also has a leased minivan.

@Me-fd2yi Жыл бұрын

Maybe she doesn’t want her kids indoctrinated and doesn’t believe in having other people fund her kids’ education. I’ve found that the most lazy people work in the office by the way because they use the office as their social outing.

@matthewgardner2144 Жыл бұрын

@@Me-fd2yi Doesn't want her kids...educated? Doesn't want to go to work with the....lazy people? OK, gurl.

@linhaton4957 10 күн бұрын

⁠@@matthewgardner2144Sister and her husband are broke with no retirement income in their early sixties. However, they tithed 10% to their churches their entire marriage.

@ethxo6734 Жыл бұрын

1000 a month? You can make that waitressing on the weekends. 🙄 Some people really make a mountain out of a mole hill.

@markroberts8975 14 күн бұрын

Yeah, but she was likely doing nearly zero actual work for that money. Working from home while dealing with 4 kids, home schooling, dogs, and chores? That company was paying her out of charity.

@jordandowland7256 Жыл бұрын

Homeschooling four kids AND working remotely. Either the kids or the company is getting the short end of the stick. Maybe both 😮

@joycewright5386 Жыл бұрын

Why? She’s only earning $1000/ month so it is obviously part time and homeschooling can be done in 3-4 hours a day.

@gusmueller4413 Жыл бұрын

hopefully the education includes what not to click on when there's no Ken Ham-branded nannyware on your computer. oh the hamanity!

@jordandowland7256 Жыл бұрын

@@joycewright5386 We’re missing critical information to make an informed conclusion. Dave left this one with some loose ends

@joycewright5386 Жыл бұрын

@@jordandowland7256 agreed

@stephanied1028 Жыл бұрын

They have online homeschool programs. The parents don’t have to do a thing anymore. Other then making sure the kids log on everyday. Plus made she works the evening shift.

@genxx2724 Жыл бұрын

I wish they’d asked what the loan money was used for, and how much the car loan is. Husband should have cancelled going on the mission trip and got a refund. They’re broke. Men don’t go on trips and put the family at risk. Bottom line, this was a good call and these people are going to succeed.

@kay22100 Жыл бұрын

Um it may not be refundable

@mgjmiller1995 Жыл бұрын

3:16 She has 6th, 4th, and 2nd grade, plus a one year old. If we are talking about a team effort, the school age kids can be in public school, and she can do *something* part-time to bring more 💰 into the household. Hubby can get a vasectomy too, then the potential of a 5th child being inserted into this is avoided

@DavidWilliams-vc2ms Жыл бұрын

You are 100% correct. No more kids, more working and get those kids in school. She needs to help!

@juliakvitovskiy4344 5 ай бұрын

The kids are in school… just not public school. My opinion is homeschool is an important priority so I’d rather work evenings or weekends and still homeschool. Also once you have a couple kids, they don’t get that much more expensive with each additional one. As long as you’re still using hand me downs and not buying new baby gear each time. They’ll start to get expensive closer to teen age again but at that point these folks can have their debt cleared and teenagers can get jobs for the things they want, not necessarily need.

@joeb1522 Жыл бұрын

It's obvious that remote workers are the first to go. If I need to lay off someone, it's much more likely I would lay off someone I've never met.

@lauren4078 Жыл бұрын

I think it depends on the industry and type of work, truly.

@ctb3343 Жыл бұрын

Absolutely. Everyone wants to quit traveling to the work place and work remote until they have to sign the agreement of keystroke and webcam monitoring during the work. It has been getting folks knocked out of the remote workplace since it started and more so lately.

@pep590 Жыл бұрын

@@ctb3343 I take a college class remotely and they do all of that same monitoring to us.

@Naturenerd1000 Жыл бұрын

Solar Loans are the new trend that are screwing people over. Like the third episode in a month where a caller had a solar loan.

@linhaton4957 10 күн бұрын

Solar leases remind me of time shares. Never get into a payment plan for something you don’t need.

@actuallyterry 6 ай бұрын

Daves expression when he heard all the remote workers were being let go. He looked so happy to get eveidence to support his stance.

@marcenelj Жыл бұрын

They live in California too.. that's the toughest part

@menumlor9365 Жыл бұрын

6:00 That’s funny because I sit down every pay period and look at what I can afford.

@menumlor9365 Жыл бұрын

Right on brother (high five)

@aaronkelly3035 Жыл бұрын

I never understand why these people wait to calculate the debt after they take it out. How can you be this irresponsible

@tristan2332 Жыл бұрын

Yea thats why I never really got into debt...don't understand the thought process of taking out a bunch of debt then worrying about it after its done. Common sense is really rare these days it seems.

@joyfulhomemaker8053 Жыл бұрын

Debt is so normalized. People are trained not to think about it until they realize they can’t pay anymore. There is a 9 episode podcast “borrowed future”. They specifically only address the school loan crisis, however, you will see how it bleeds into everything.

@Sheryl777 Жыл бұрын

@@tristan2332 There is really no thought process going on in the brain when people take on a lot of debt (when they didn't have to).

@genxx2724 Жыл бұрын

And she’s her children’s only teacher . . . 🙄

@joyfulhomemaker8053 Жыл бұрын

@@genxx2724 you think teachers aren’t equally as ridiculous w their finances?

@natehirt4297 Жыл бұрын

Love the hope Dave and his crew bring others every story….

@tmusa2002 Жыл бұрын

… minus the work from home doomsday comments.

@mcleananderson4948 Жыл бұрын

FYI, Dave hates work from home because he owns a commercial building that relies on his company paying him rent to come into the office imo. I work from home, I am 20% more productive than I was in the office.

@joyfulhomemaker8053 Жыл бұрын

What about when he was renting a facility to run his radio show out of and still didn’t support working from home? He makes great points *why* he doesn’t support remote working. He doesn’t say much about it in this video besides those positions are being the first to be let go right now, which is true.

@mcleananderson4948 Жыл бұрын

@joyfulhomemaker8053 when was that? The work from home conversation started post pandemic, he has had his commercial property then, he has touted the value of that property multiple times over. It's probably 15% of his net work at minimum

@stevenporter863 Жыл бұрын

About sums it up. Most of it is because of long term office leases companies signed - if wfh then companies will be wasting money. That and micromanaging. What is the point of all this technology then if it can only be used to make life more complicated? The past few years illustrated it works and without wasted commute times efficiency went up for most workers.

@mcleananderson4948 Жыл бұрын

@stevenporter863 yep, Dave gives great financial advice to 90% of the public, but to often he let's his worldview and personal circumstances cloud his judgment, that's not unique to him, but most ppl don't have his platformm

@joyfulhomemaker8053 Жыл бұрын

@@mcleananderson4948 Ramsey will discuss financial peace with anyone… even the 10% you believe he ignores. But he is going to lead w what the Bible teaches about finances as well as using hard data.

@unelectedleader6494 Жыл бұрын

My company let go of remote staff that did phone work precisely because of the kids and dogs in the background, as you heard on this call.

@fatimamanneh9432 Жыл бұрын

Has they should let them go remote work is for lazy people

@Chele-nm4qx Жыл бұрын

Yes!!! I own an auto repair shop & talking to remote adjusters- they was always apologizing for their kids, dogs, etc in the background! It didn’t bother me but many must complain as I usually got what I needed from them- probably because I was understanding! 😂

@genxx2724 Жыл бұрын

Insurance agency wasn’t answering the phone. They were only returning calls. When they called me, they had a rooster incessantly crowing in the background, making the call very difficult. Totally inappropriate. Another time with another company, I was transferred and my call was answered immediately (probably so they didn’t get in trouble re the queue) but I was immediately put on hold for a long time. I suspect she was in the middle of something complicated in the kitchen. She gave me what I needed. Probably afraid I would complain.

@macneoh7418 Жыл бұрын

Remote workers are unprofessional, lazy and entitled.

@alisatjaden3906 Жыл бұрын

@@genxx2724 I just got off a call with insurance company. She really didn't sound interested in helping me. THEN a loud crash, falling rumpled papers/files falling & hitting floor? Scrambling for them. It was loud. Continued on, not motivated to help me. I was sad 😥

@SilentEire Жыл бұрын

I prefer a hybrid mode of work. You should absolutely be in-person so that you can meet your colleagues and network etc. but having the ability to WFH every so often brings so much flexibility to your life and allows you to build a family. I think we should encourage hybrid work as opposed to “all or nothing” either way

@brendondowdy5651 Жыл бұрын

I'm a firm believer you should work from the office. Or just accept less pay if you want to be slightly lazy

@brendondowdy5651 Жыл бұрын

@Novak D then don't work for them. Or work for a reduced wage. It's pretty simple

@ctb3343 Жыл бұрын

@Novak D that’s when you move to the workplace of find the line of work near you. If you have great performance history, it isn’t hard. Experience speaking here

@ctb3343 Жыл бұрын

These folks have been realizing that the keystroke/webcam monitoring is more intense than having the boss look over your shoulder. Lol People act shocked when they get fired for goofing off during remote work

@rsafree1139 Жыл бұрын

I love hybrid, wouldn’t want it any other way

@tonypittsburgh9 Жыл бұрын

I have these friends who are 50 yrs old and whe they were in their late 20s had massiver debt, but they both had good paying jobs. He told me him and the wife sat down agreed to the Ramsey plan and they did for 3.5 yrs and became debt free and now they live like royalty

@IntheCrawlSpaceTarot Жыл бұрын

Tutors can make between and 20 and 50 an hour. Perhaps gain a couple students to work with a couple nights a week?

@ga6589 Жыл бұрын

Just because she homeschools, doesn't mean she's qualified to be a tutor.

@genxx2724 Жыл бұрын

@@ga6589 I think OP assumed she’s a credentialed teacher. A reasonable qualification if you’re going to teach your kids yourself.

@ga6589 Жыл бұрын

@@genxx2724 Most of the homeschool parents I know do not have any professional qualifications.

@genxx2724 Жыл бұрын

@@ga6589 You stated a fact. Have you drawn any conclusions from what you’ve observed? That would contribute to the discussion. And I’m not even a teacher.

@ga6589 Жыл бұрын

@@genxx2724 My response was directed at an incorrect assumption that one needs credentials or qualifications in order to homeschool. Beyond that, I'm not looking to get into any debates about homeschooling.

@Seromontis Жыл бұрын

This is a great example of what's about to happen: work from home people are easier to lay off.

@ecargfosreya Жыл бұрын

Moved from Fresno county a year ago and so when she called, I was expecting her to say it was a lot worse. Even though it’s bad this definitely is doable for sure.

@Taliz303 Жыл бұрын

I’m starting to work I on my debt. About 20k car loan & cc just started a new job …..I wish this were on spanish para todos mis amigos Latinos. 💕

@pep590 Жыл бұрын

Buena suerte!

@roberts4834 Жыл бұрын

A echarle ganas Talía! I follow Ramsey and also his student turned teacher Andres Gutierrez in Spanish @ElShowdeAndresGutierrez great advice similar to Ramsey but with Latino twist. Es maravilloso vivir sin deudas! Mucha suerte 🍀

@mariorta5017 Жыл бұрын

There is. Andres Gutierrez is the latino version, approved by Dave Ramsey.

@rudyeksh8217 Жыл бұрын

She should home school her dog

@bigcahuna42366 Жыл бұрын

It's not truly feasible doing the Dave plan if you're supporting a family in CA on $90 - $95K per year unless you're living like you're partially or fully homeless. They may want to consider moving to a cheaper state to follow the Dave plan to completion.

@Gus_Chiggins Жыл бұрын

Who is controlling Jade’s head nods 😂😂😂

@FastAligator1234 Жыл бұрын

As soon as I read this I looked at the video and she was in the middle of nodding 😂

@genxx2724 Жыл бұрын

Brain in gear doesn’t mean the head has to nod. 😂

@NYNC88 Жыл бұрын

Either it's some sort of neck-based cardio, or she's a bobblehead.

@random-nz7dy Жыл бұрын

Hahahahaha can't unsee it.

@ThePooppantsman Жыл бұрын

So my life is a wreck and I just did the numbers because we are stupid.

@lot2196 Жыл бұрын

Better late than never I guess.

@paul_domici Жыл бұрын

Her and her husbands had the blinders on!!!

@JARVISK600 Жыл бұрын

😅😅😂😂😂

@joyfulhomemaker8053 Жыл бұрын

Debt is so normalized that this happens all the time to so many people 😢

@vanesslifeygo Жыл бұрын

You don't want her as your neighbor. I think I have the misfortunate of knowing her despite just trying to live my life.

@theAppleWizz Жыл бұрын

Lol this is not a “real remote worker” it’s just a part time worker that works at home. 😂 there are two types of remote workers higher earners and then lower income workers…

@susana2917 Жыл бұрын

Exactly her description of the homeworker is not what I think of as a true remote worker.

@BusArch42 Жыл бұрын

Yup. I work remote (mandatory) and make 170k a year. I get way more done than I did before. So many fewer distractions

@Joshman69 Жыл бұрын

@@BusArch42 That’s awesome! What is your profession if you don’t mind me asking?

@DoctorSmartyPants Жыл бұрын

I would have let her go too. You cannot homeschool/care for young children AND effectively work a job at the same time. And Dave's "yeah, we are finding that remote workers are the first to go" is completely bogus and he is saying that to validate his own beliefs that workers should not be remote. After all, HIS workers are not.

@theAppleWizz Жыл бұрын

Yep

@genxx2724 Жыл бұрын

I agree with the first part of your comment, but not the second.

@colleenduffy1139 Жыл бұрын

And a one yr old baby! Maybe if you can catch up in the evening when your spouse is home but still...

@Aubatron Жыл бұрын

A lot of big companies have reported higher productivity from people who work on site. With some businesses, it is more efficient for them to not rent out the office space, and some more efficient for workers to be present on site. The way I see it, a lot of people are saying they are just as efficient working at home to validate their own beliefs, just like you say Dave is doing. 🤷‍♂️

@pep590 Жыл бұрын

I disagree with the first part, but agree on the second part. Lol. She said ALL remote workers are being let go. Nothing to do with her job performance. And also for all you know she does her remote work in the evening or weekends, when her husband is at home. She only makes $800 to a $1000 a month. So perhaps she only works a couple of hours a day.

@thefpvlife7785 Жыл бұрын

Stay away from - HELOCS people.

@doubanjiang 9 ай бұрын

Get rid of the pets. A dog on average costs $20k over its lifetime. So many are pet poor. You’re broke, you can’t afford a dog.

@hastycontemplation Жыл бұрын

Wait, the pay from the job is $800 to $1000 per month? That is odd, doesn't seem that significant to me.

@2k3SteedaGT Жыл бұрын

It’s not. It’s obviously a part time job.

@tmusa2002 Жыл бұрын

Yes, there’s no way she could have four kids and home school and work full time. Definitely a p/t job.

@dollbarinc.3056 Жыл бұрын

Miss you doing show with your daughter Rachel! Rachel is such an amazing compliment to you Dave! Please Dave do more shows with Rachel, you guys are so great together!

@amireallythatgrumpy6508 Жыл бұрын

That would be the two kinds of workers in general.

@dreesaad6151 Жыл бұрын

She has her own show

@kevinkidneyy Жыл бұрын

Go to her page

@danwalsh3163 Жыл бұрын

How do you work at home and home school 4 kids at the same time?!?!

@ramonsalazar5185 Жыл бұрын

Let your kids go to public school and develop a business in something you are passionate about. Location is always a peoblem, California is the most expensive state in the USA

@jeromehenry4484 Жыл бұрын

Maybe she is passionate about homeschooling her children.

@ZannaTheGreat Жыл бұрын

Have you seen what's happening in public schools? I'd never put my kids in that environment.

@matthewgardner2144 Жыл бұрын

Well Fresno is like Oklahoma but without all the charm. It really is the armpit of California. Their mortgage payment is only $1400 a month; they'd pay more than that for rent.

@mikeberardi3985 Жыл бұрын

The new normal didn’t age well people really believed we were all going to sit home and live behind our computers and bake bread lol

@tcjones4386 Жыл бұрын

There are numerous websites that add specialize in work from home jobs.

@akc783 Жыл бұрын

Wait a minute. She works remotely AND home schools her children? You cannot do both of those tings well. No wonder her company is letting go of remote workers. From what I have seen in my own office, the remote workers are the most demanding and they whine more than anyone.

@tkdevlop Жыл бұрын

you can do both just need to be efficient don't assume that every remote worker is incompetent. As always judge on results & make sure everybody is happy.

@fonz-ys6xu Жыл бұрын

Maybe she works when her husband gets home, or when the kids are asleep, and weekends. It was only 800 to 1000 a month by her own admission. So it's doesn't sound like she was working 40 hrs.

@akc783 Жыл бұрын

@@tkdevlop I think you are underestimating what it takes to teach children. No I do not believe you can do both well unless she is doing the remote work part-time (like 10-15 hours per week).

@jimmymcgill6778 Жыл бұрын

Stop repeating that lie.

@fonz-ys6xu Жыл бұрын

@SilentNot exactly. She was probably just doing what she could to help bring in a little extra income. Nothing wrong with that.

@alisagraham6513 Жыл бұрын

Way to go Jade!!

@jamiehiatt7158 6 ай бұрын

I never heard of the Ramsey show and I wake up one day went to make my truck payment and realized more money was going to the payment than the interest so I started paying more money on the loan till I paid it off, then I started with the next loan and I got addicted to paying off my loans one after the other including paying off my house and that was the happiest day of my life being debt free ,no one told me what to do I just realized what I needed to do and done it, and it was just that simple my husband trusted me to do what I was doing , he worked and made the money and I paid the bills off.

@katherinehilloppel2756 8 ай бұрын

It can be done, and is worth the price of time and energy.

@daveandremarshall Жыл бұрын

Why can’t the kids go out to school so that she can take a full time job that pays more? They have an income problem as much as they have a debt problem, not so?

@cutehumor Жыл бұрын

probably to keep her kids indoctrinated from the woke California mob

@eclipse.5295 Жыл бұрын

This!!!

@IgoOutlateAtnight Жыл бұрын

Maybe they are sick of the public indoctrination camps?? Known as schools

@robertthompson5908 Жыл бұрын

My thought exactly.

@catholicfaithofmine2664 Жыл бұрын

Yup. And she could find a job and help pay off the debt. It won't pay off itself.

@EricMoore-ze2rf Жыл бұрын

My wife says "our marriage is worse than I thought." I took her to Arby's for her birthday.

@Sixbucks_on_pump3 Жыл бұрын

I'd love a beef n cheddar right now

@Lilbit2215 Жыл бұрын

I just want to know where Jade gets her glasses from. Seems like she switches it up every time I see her with them on

@Lugnut64052 Жыл бұрын

I'm sorry . . . is this a fashion show?

@Lilbit2215 Жыл бұрын

@@Lugnut64052 it is thank you for asking

@OTOWN2STOCKTOWN Жыл бұрын

The more she says the word yes on the show, the better the glasses get?

@Lilbit2215 Жыл бұрын

@@OTOWN2STOCKTOWN 😂😂😂😂😂😂😂😂😂😂😂😂😂

@eddiekulp1241 Жыл бұрын

Budgets have to be in perportion to your income. I'm on ONLY S.S. make 1,700. Hud apt 25 % of income . After bills and food there's about 600 left to either save or use for extras that month . You must have the extra to plan for emergencies

@amandadean3948 Жыл бұрын

Honestly, in this day and age I don’t see how couples think they’re going to make it off of one salary when they have a bunch of kids. That one person would have to be making ALOT of money!

@macneoh7418 Жыл бұрын

Feminism brainwashed everyone into thinking that working is empowering. Now we all work for peanuts.

@helenstory9924 Жыл бұрын

In the UK you can do it, but not with debt and not by winging it.

@brendondowdy5651 Жыл бұрын

Eh it's not near as bad as you think. Depending on where you live it should be pretty easy.

@scottgiles3053 Жыл бұрын

We're doing it. 60k/yr in Reno NV.

@brendondowdy5651 Жыл бұрын

@@scottgiles3053 I'm a ups driver and we have tons of guys in are center doing it on under 100k

@malloryjohnson6192 Жыл бұрын

Look into covering childcare in local gyms where you can bring your kids and make some money WHILE you homeschoool :)

@tmusa2002 Жыл бұрын

If I had four kids there’s NO WAY I’d work from home. I had the option when my kids were little but nope, just not worth saving the gas/wear and tear on your car. Maybe she has a better scenario where she can lock herself in a sound proof room, but I didn’t have that.

@laurenkirshner9809 Жыл бұрын

Doing cardio to Dave Ramsey. ha

@kratostomatoes8587 Жыл бұрын

Not the heckin Human Resourcerinos!

@fsm12385 6 ай бұрын

Remote worker and Student debt loan the new financial nightmares

@miketracy9256 Жыл бұрын

They did have more than enough income so how did they ever get so upside down? Time to stop spending and live on 50% of their income and send the rest to debt reduction. The good news is unless you live in a high-income tax and high property-tax location, your taxes will be very low.

@rooster5755 Жыл бұрын

you know whats bad?THAT DOG IN THE BACKGROUND!wow

@nothing-oj1sz 7 күн бұрын

How do you home school and work?

@terriesowell1025 Жыл бұрын

By the way, there's been no welfare, Wic, free lunches! Just be smart, make good decisions!

@goldgeologist5320 4 ай бұрын

She sounds on edge of terrified! Send the kids to public school!

@9liveslisa Жыл бұрын

Put a sign on your refrigerator that says: THE GOAL - NO HOUSE PAYMENT - ZERO DEBT. Keep that message front and center.

@gregortiz5251 Жыл бұрын

We Have Your Ideas!!!! Yes They Sound Wonderful!!! But We Need The Places To Go To And People To Talk To Too Actually Make These Deals Happen. Yes We Know Your Ideas Work Already.

@jimmymcgill6778 Жыл бұрын

She can work nights, after he gets off work.

@djpuplex Жыл бұрын

Ramsey will never recommend that. Only the man works.

@BusArch42 Жыл бұрын

That’s probably what she’s been doing

@tmusa2002 Жыл бұрын

@@BusArch42 Exactly!

@debragiovine9797 Жыл бұрын

why. ,,,are her kids home school,,,! That’s part of the problem,,, she should put her kids in school,,, and go out to fine a job,,,,

@joyfulhomemaker8053 Жыл бұрын

Not if the schools in their area are bad, using bad curriculum, etc. schools are absolutely failing at educating kids.

@LDM805 Жыл бұрын

They live in Fresno. Its like a super poor L.A. I would never put my kids in school there.

@NWI_Steel Жыл бұрын

How do you put a 1 year old in school?

@matthewgardner2144 Жыл бұрын

@@joyfulhomemaker8053 They can't be any worse than whatever "education" the caller - or respectfully - you can provide. Yes on sending the older kids to public school, where they can learn about slavery and evolution.

@matthewgardner2144 Жыл бұрын

@Busy S Are the homeschooling parents trained teachers, or have degrees in education?

@betitos11 Жыл бұрын

Ever heard of graveyard shift? Go work nights, evenings, and weekends lady 🙄🙄

@txkid92 Жыл бұрын

Those kids need to go to school and she needs a job

@KeebasLife Жыл бұрын

Hey Jade… good to see you’re still here!

@NaturalyUnica Жыл бұрын

I need this help also. Please

@snakeplissken3063 Жыл бұрын

If your job can be done remotely, it can be done from India at half the cost.

@cassandrareed445 Жыл бұрын

Start an at home daycare. There is child care shortage, currently.

@eniak00 Жыл бұрын

Again the shots at remote workers….

@Dreamer-by4nk Жыл бұрын

Of course. Not needed.

@baconblaster6422 Жыл бұрын

BACK IN YOUR CAGIE, WAGIE. They always need to push this.

@xsgtxbigboy1655 5 ай бұрын

What they really mean is the husband will be going crazy

@patti9339 Жыл бұрын

There are plenty of work from home opportunities she can find!

@kabasler7 Жыл бұрын

So she was making $9600 - $12k a year? Lol

@jimroscovius Жыл бұрын

Put the kids in school and GET A JOB!!

@gibblespascack1418 Жыл бұрын

That mission trip is sunk money. The trip itself takes earned money out of the house because he is not working. That mission trip should be given to someone else in the church. Don't send good money after bad money. Jesus will understand.

@David-wo9un Жыл бұрын

She justifies it by saying the trip has already been paid for; I guarantee there will be spending on the trip that has not been paid or accounted for up to this point.

@gibblespascack1418 Жыл бұрын

@@David-wo9un Yes, it will cost more plus the loss of work time. So it would be better to give it to someone else in the church.

@MrBrewman95 Жыл бұрын

Put that dog on eBay. 😂

@genxx2724 Жыл бұрын

A dog is another luxury they can’t afford.

@jonathonwright525 Жыл бұрын

Send the kids to public school. Go to work.

@davinasquirrel7672 14 күн бұрын

She could do other things from home. If she cannot find another 'remote' type job, then how about home schooling other kids for those that want their kids out of the system?

@LyricalTampon 6 ай бұрын

She's losing her job because she's a remote worker who is homeschooling. She's not paying attention at work.

@onebridge7231 Жыл бұрын

She got a remote job before, so get another remote job or side hustles from home.

@ananiasgarrison 5 ай бұрын

I love Dave Ramsey and keep pushing my wife to keep to our budget. But i hate when he give hyper vague advice. 'There are a lot of side hustles you can do at home for a $1,000.' Like what? My wife has looked. So what is this magical side hustle?

@Quinu12 Жыл бұрын

Send the kids to school. Get a job. Pay it off in a year.

@ZannaTheGreat Жыл бұрын

Have you seen what's happening in public schools? I'd never put my kids in that environment, not even for a year.

@frodaddy2394 Жыл бұрын

@@ZannaTheGreat you keep commenting this like public schools are prison and like many of us didn't go to public schools. Her other choice is to not generate any income and wallow in this burdensome and stressful situation but hey at least the kids will be homeschooled by somebody unlikely to be as qualified as actual school teachers!

@linhaton4957 10 күн бұрын

The child care for a one year old would be really expensive.

@colleenduffy1139 Жыл бұрын

Time to put the kids in school and look for a new job.

@vibes1680 Жыл бұрын

This is why you invest in videogames

@siegfriedbraun5447 Жыл бұрын

I bet HE isn't freaking out! Love the "heart of a mother" but it definitely needs the "head of a father" to give the situation perspective.

@samuelburton9761 Жыл бұрын

Send the kids to school and get a job. Homeschooling isn’t going to help with their social development.

@pep590 Жыл бұрын

You're 100% wrong on the social environment. it's been long sense debunked.

@michaellaffredo2473 7 ай бұрын

The first thing I thought was people need to stop having kids I’m sure 4 kids doesn’t make things easy financially

@lukeharris2622 Жыл бұрын

✝️🙏

@josephbanks9897 Жыл бұрын

If they sell their house, where are they gonna live? U can't rent a house for 1400 a month. Even Dave is not so fast to tell people that any more.

@RaleighLink Жыл бұрын

“I’m a stay at home mom so I can’t get another job”, YES YOU CAN. Stay at home mom is a luxury, time to go back to work.

@wufflerdance9481 Жыл бұрын

no you cant...she was lucky to have a flexible remote job she homeschools the kids and is the caregiver... tma daycare even if it was safe and not thinking of the poor kids being with who knows who away from home all day would be thousands a month i have a 2 year old....the average amount if i would to have a job with no overtime type of hours would cost somewhere between 250-500 a week...and that isnt safe for my kids either

@Nonameagain80 Жыл бұрын

Luxury, lol

@annekendziora9114 Жыл бұрын

hahaha yup! I stay at home with my kids and educate them. They drop grapes into my mouth, bring me cappuccinos and rub my feet while I watch TV shows all day. Its a luxurious life!

@Sixbucks_on_pump3 Жыл бұрын

@@wufflerdance9481 there's this cool thing called public schooling that takes children five days a week from roughly 8-3 pm 😉

@terryhenderson424 Жыл бұрын

The second oldest profession in the world is care taking be it for kids, the infirmed, or the elderly. Maybe consider some before, after, and some school break childcare while you're an at home mom. Maybe pick up a 3rd shift job outside the home.

@russellleonard8580 Жыл бұрын

You got time to "do" cardio, you got time to work some side hustles.

@FastAligator1234 Жыл бұрын

How do you have a mortgage so cheap in California 😳

@matthewgardner2144 Жыл бұрын

Well, Fresno. No one in their right mind wants to live there.

@djpuplex Жыл бұрын

Blame the husband.

@jeromehenry4484 Жыл бұрын

Why blame husband, he is breadwinner in caller's household. They will learn to get out of debt & stay out of debt.

@blackspiderman1887 15 күн бұрын

I don't know why shes worried. Her husband was as is the one paying majority of the bills. Her remote jobe wasnt bring much in nd she probably was spending most of it on herself