You should have a picture of Juluis from Everybody Hates Chris in your purse. HAHA! If you dont know what i'm talking about, watch the show.

My man Julius nickel and dimed every purchase. I follow his approach. I'm not cheap, but I don't spend wantonly. Each purchase must serve a purpose.

Passes it to the man… and BOOM goes the Dynamite!

You're bad af

I did the same, it was hard but sooooo worth it.

Just get it, you could pass away tomorrow.

@@letsgotomarsmanor you could live another 50 years being broke 🤔

@@letsgotomarsmanso you’d have the truck for like 12 hours?

​@@letsgotomarsmanalternatively you might not

Same it’s not worth it 😂

Good job man. Enjoy the freedom

Congratulations 🎉

Yikes 49k pension …

@@ryandevlin3057 is that good or bad

That's the peace of mind everybody wants. Bravo!

It can be done ! 😮

@@marknewton6984 yes, it can be done. When I first started watching Dave I didn’t think it could be done but once you get serious about it & start making sacrifices then you realize it’s possible.

Congratulations that’s awesome

That’s awesome keep it up!!!

Did you stop your employer match? Just wondering

This right here🎉🎉🎉🎉🎉

That's great!

Awesome! 👏🏼

did you listen to Dave Ramsey?

@@adiintel1 yes followed his plan

Keep going!😮

That’s fabulous

Best get that wound looked at! 😂

I just paid off 5500 in the last 2 weeks.

Nice job keep it up. The feeling gets even better!

This. It’s not about how much you make but how much you can keep. Good job.

@@iamme7664 its easier to get rich by spending less than it is to get rich by earning more

It's not what you manage, it's how you manage it, that counts. Coaching a junior league soccer team to victory will always yield a far greater smile on your face than coaching a premier league side to defeat. You win with the skin that you're in, and you take your wins where you can, with pride.

Me too, glad im not the only one.. it’s a daily reminder to not make rash decisions & avoid consumers debt..

Exactly! It’s very simple math … income vs expenses.

sad!

Same! Money doesn't solve disorganization.

@@elizabethallen4353 it sure doesn't. For some people, the more they make, the more debt they go into. Ironic as that sounds

Not this Jones Family 😂 We keep our expenses low!!!

@@ashleyjones5396 lol, good for you

I believe she was trying to say she needs more money saved up before paying off her debt because she has a daughter but Dave kept talking over her.

the thing i like about dave ramsey isn’t really his advice in the show, but just the different types of peolpe the come on the show and how he interacts with them

Why is she calling in versus working with her HUSBAND. He should be LEADING his family from this perspective. Second marriage 67% success rate.

These phone calls are a case study on Americans and society

@@shawnturner7064 You don't understand. She's worried about having enough for her daughter, not having enough for her family that also includes her husband.

You see how she PUT her daughter over her HUSBAND. RED FLAG and EXHIBIT A Fellas.... Leave the Baby Mommas Divorcees to the STREETS. What kid 9 year old needs 3k a month. I bet money problems were the reason for the other failed marriage.@@BrianW211

I want want want

I still prefer to pay a little more in rent so to not live in the hood. I want my daughter in a good school district and easy access to parks and farm fresh food. Some things in life are worth the expense. But when it comes to things I tell her no a lot

He always does. That's why I love him

Papa Dave laying down the law 😤

This is how most people spoke, teachers/parents etc when I was a kid… nowadays people melt into a ball of emotion when they get spoken to this way! 😂

he often doesnt when it comes to women. if it was John he'd be like "are you safe" lol.

It would be better to not place your fate in employment. Start plans to invest in something, jobs eventually s*ck not matter how good they start out

Did she not go work as an RN with one of those high RN salaries?

That's awesome!!!

@analyticalchick3064 , no, not really. She was in a program through her employer where they paid for a portion of her undergrad degree, she was working as a phlebotomlmist at reduced hours, but they provided flexibility she needed for school. She was still bringing in money, but not much. Once she graduated with her RN, they offered her a nursing job and low balled her on the pay. Zero flexibility for school. Our local hospital kinda sucks to. They are missing payroll all the time. All the good doctors left. Instead of a contract with the crappy hospital, she maintained the flex job and she went for the NP. We were on the hook for that 100%. During the NP degree, we were paying out $1k here, $2-4k there for different clinical opportunities on short notice. That was tough. We are moving back near her hometown, and she signed an employment contract for almost $200k a year for 2 years. I get to bring my job with working mostly remote. Looking at land right now and I'm building a house this summer if things go well.

You mean paid in cash not “cash flowed”.

Hi. I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second child. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks

@@Lourd-Bab However, if you do not have access to a professional like JUDITH ANN PEACE, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments

@@lennoxmutterick6434 Oh please I’d love that. Thanks!

@@Lourd-Bab Judith Ann peace is her name

Lookup with her name on the webpage.

No chance.

Her strengths may be in other areas not FINANCES

@@kay22100 LoL!

You mean like Dr phony balony delony 😂😂😂

@@cutehumorlove me some Delony!

@@kay22100it’s not that it’s not a strength. It’s that she’s illiterate with one of the basics of life.

Thought he said $30 lol

Yes, Trump conservatives believe that

Some people are dumb enough to go to college.

@@kbanghart What? A 5th grader could do this math on how to budget. Why did you make this political?

@@ST-rj8iu maybe the nine-year-old daughter could set the household budget.

@@ST-rj8iu It's what these TDS nerds eat sleep and breathe. It consumes them. Everything is political.

Ain’t going to a restaurant unless….

Maybe just beans

@@elevate4evait’s ur other jawb!

@@Michael_Gray lmao

Rice is great, if you want a thousand of something

Well more than just a few years

Granted we're 30% below them....... but we also "only" have half the debt.... but we also have three kids..... and we're also on the Left coast..... BUT..... I can personally attest that since Biden's executive orders shut down oil production in the U.S. and fuel prices skyrocketed, surging inflation, it's been quite a struggle to make it month to month. The difference between regimes has been staggering. The food stamps level here in Oregon is $60K and everyone we know who's below that threshold has caved and is on government assistance. It's insane.

Shhhhh. It's a secret that advertisers who study the work of Edward Bernays do not want you to understand. Neither does the top 1% of earners in the USA. They want you to be poorly educated, financially illiterate, and buying things you don't want or need.

Because they have no purpose, no self control, and no concept of God. The live for the now and literally don't care about the future. It is called bondage.

@@John3.36 I have read passages of the Bible where bondage is a common theme.

Oh, did you really believe therapists and counselors are perfect individuals who don’t have anything to work on?

The irony is insane

My dad is a medical doctor, and yet he goes to another doctor for physical examinations every year. Does that mean he is incompetent? No. It's just much harder to examine yourself objectively without outside help.

Because she racked up 100k in loans for a masters degree that yields 50k per year.

😂Why? Think we're not human?

Geeez that's a powerful quote. Who is she?? She sounds like someone well versed in Wall Street

She's a Wealth Professional Adviser.

her strong insights and management have made me over half a million, I am blessed.

I looked up Graciela Lynne Schriewer on the internet out of curiosity; she has a strong résumé

many individuals miss out on gains due to actually NOT having an Advisor is SAD tbh in this present day.

I’m glad Dave called her on that! I’m so worried about my daughter and what she might need but I have absolutely no savings to back up that concern

“We’re worried about having enough money for our daughter… which is why I only have $3,000 around.”

I get the feeling that she spoils her daughter, and insists on continuing to do so.

Scapegoat.

Exactly it's not like she had 50k in savings and was afraid to spend it paying down debt in case of an emergency, she had nothing!

With everything going on, consider financial planning, … that is okay. You can get your money to work for you. but I would say delay retirement a little

I have heard how they can help you make the best decisions and to be honest I don’t want to lose anymore money or I will have to work till I die.

And what if that is all you have, even with SS you may not have enough to retire with. If you opt to work with a financial adviser, you make sure they are certified from AARP or FINRA.

The decision on when to pick an advisor is a very personal one. I take guidance from ‘ Monica Mary Strigle ‘ to meet my growth goals and avoid mistakes, she's well-qualified and her page can be easily found on the net.

Can I get the contact info of the person you work with?

She's struggling with not being able to post photos of trips.

@@bahwickee 😂

If they enjoy the cruises so much, they could have them, if they would have had modest cars that they drive down, and maybe a modest wedding as well. But you can bet they are the types that also spent a ton on the wedding as well. (she 90k in debt for her education and she has considerable car loans. Together 60k, she did not specify. Maybe he has the higher car loan after all he has "only" 40k in student loans but w/o a degree).

To you it’s entitlement but to them it’s their normal.

Yeah it’s like saying I’m so broke I can’t afford to eat… but I can rent a house with a yard and feed my four dogs!

good opportunity to learn

First world probs

I call them "faux rich" problems

Have to take risks to make money. Where does it stop?

$130,000 a year isn’t rich

The most lucrative "investment" is paying down (high interest) debt. Your return is the interest rate: 6 - 8 % for a "low" interest loan (right now) and fabulous 18 - 20 % on credit card debt. And that ROI is GUARANTEED, very little admin costs, and it is tax free. If financial emergency should happen that she worries about (it won't) they can always talk to the bank and overdraw the chequing account. Or take out a loan on the house (if that is possible) Or get a personal loan. If they have the spreadsheets how they intensely have been following a budget and how much debt they have eliminated before the emergency struck * the bank might give them the money at a reasonable interest rate. Worst case scenario: they overdraw the credit cards (but then they would not be worse off than where they started out). The only REAL emergency I can think of would be high medical expenditures that are not covered by their insurance. They will not be able to save up 100k fast for that hypothetical emergency - and what is the point to worry about maybe, maybe having to spend 10k that you have not planned for ? With their income they can weather it. If a catastrophic recession should strike - then they would have to sell the house. Good news for her: she would not have to sell the nice cars, those have to go right away. She does not need to worry about losing the cars that are too expensive for them in an accident or about expensive insurance either. They will have to sell them and get much more modest cars.

That's really huge

I'm genuinely curious to know how you earn that much weekly

Big thanks to Elizabeth Marie Hawley

She's a licensed broker here in the states 🇺🇸

Her top notch guidance and expertise on digital market changed the game for me

Beginning early is undeniably the most effective approach to getting ahead in wealth building, with investing taking precedence. Drawing from my experience last year, I've managed to establish a suitable lifestyle by investing early this time around.

Indeed, that's my primary focus as well. What types of investments are viable given the deteriorating economic conditions?

The issue is most people have the “I want to do it myself mentality” but not equipped for a crash that comes afterwards. Ideally, advisors are perfect reps for investing jobs and at first-hand experience, my portfolio has yielded over 40%, summing up nearly $452k, since covid outbreak to date.

I've been looking to switch to an advisor for a while now. Any help pointing me to who your advisor is?

Exactly !!

Resist that temptation.

Yep, blue collar worker here. My every day driver is a 2006 chevy cobalt. Make little over 6 figures and im sure im looked at like im broke and really dont care. I’ve learned to never let stuff like that fool me. The clothes people wear or the cars they drive.

Your boyfriend is using you for money. Wake up.

How is he using me for $? I dont pay any bills. My boyfriend pays them all with his own money. My job was school for the past 2 years where I didn't work. I just recently started working as a tech in health care and he hasn't asked me for one dollar out of my paychecks.

You make it seem like this is easy lol.

Most people making over 100k work in corporate America where there are defined career trajectories. It’s a matter of being hungry for promotion and chasing it. Many white collar workers settle for their current individual contributor role rather than management. They get cozy. If you’re serious about making money, it’s far simpler of a mountain to climb for somebody already inside the office than outside of it is all I am saying.

It's not that easy. Also, it makes people continue dreaming and overspending on the assumption that one day a new great job will fix everything. No. What people need is to be responsible.

Wow I could’ve written this! We literally had to replace all 4 tires on our car recently and thank GOD for our emergency savings we were able to pay for it without it stressing our daily budget. That “peace” part is everything!!

Our 1980's model still works great!

I'm 25 and was laid off last October where I was making 2k a week. I found a better job and started 2 weeks ago. I had savings to keep me calm. You'll find a better job asap

@@alexbob5209 hoping that to be the case. I got laid off beginning of December, trying to figure out what’s next. Tbh the hard part is not wanting to go back and do exactly what I was doing, but not having “the experience” yet to be hired for other jobs. Definitely in the messy middle

Good luck! You got this!

You are right, best approach i feel is to diversify investments. By spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown.

You're right mate! I’ve been using a fin-market expert for two years now and I own a 7figure diversified portfolio from investing in stocks. Currently, my portfolio is worth over $900k.

How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?.

Nicole Desiree Simon is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an e-mail shortly.

Good Point!😮

Not everyone, I worked overseas, 20 yr old clearing $200K and ALL expenses Paid room and board, entertainment. One of the young women was buying a house $10600/mo , 2 yr mortgage, 0% interest

@@aolvaar8792 You would be a more likable person if you swallowed a good dose of humility.

@@9liveslisa Try not to use totality words, every, never, always, only.,,, I use the phrase: without exception in the universe. Your comment: Everyone needs to learn to budget. Just make more money than you can spend, and spend time trying to get rid of it.

You are doing a great job but I would seriously consider hiring a lawyer and suing the father of your children.

Ain’t that the truth

That may be how some morons think it should work and they choose to go that path. But apparently they haven't grown up yet A grownup one understand that if you get a 50 %, raise your lifestyle creep either should not happen. Or it should happen only to not even half. The extent of that raves worse case. It's called self-discipline, it's not complicated. It is not rocket science. It's just a tried and true fact of human behavior

So true.😅

Agree. It's an underrated strategy. Plus if you go for promotions to make more money you get to keep all that money going forward!

Until your house is paid off, no island vacations for you. Doesn't matter what the house is worth until you sell it.

@@vbelbel490 Nope, We are going to Turks and Caicos Island in 9 weeks... sorry. 🤣

Call your credit card company and lower your 20k credit card limit 10k

That's the part I am confused about. I'm really shocked they didn't call that out first.

😂

Yup define irony

She owned herself

Gimme a break!😅