Construction workers lol i know a few of them they spend 50$ a day at the gas station instead of packing lunch brew coffee at home

Don't eat out, as Dave says. Once a week make soup to use up leftovers in the fridge. That'll save a bit. Saturday fridge soup.

Congratulations, *DaleValskov* I am relieved that you are out there fighting these thugs, We musttake every precaution to protect the elderly and the general public from these despicable con artists. Congratulations to You!! You deserve the Nobel Peace Prize for ensuring our security.

We have been on a recession since the beginning of 2022, but big media and governments all over the world didn’t want to admit it. We need to be wise and use our brains. Knowledge is power and I’d like all the family to be powerful! Just purchased some *DaleValskov* Thanks for keeping us informed during this times of doubt?

I start to worry when I’m not gaining $600 in savings every month. How do people live like this?

The efficiency of this *DaleValskov* is next level. To juggle walk throughs of various angles on the topic delivered to-camera, differnet content per topic from various folks underneath the umbrella of the track list of the larger big band concert itself is engaging and refined. To make a dense taccess like this so digestible is really something. Awesome work jack!!

I feel that the last bull run was bolstered by all the money being printed. Major returns next bull run but I think they will be tamer in my humble opinion. A 10x on *DaleValskov* and a 15x on polygon are fair considering how much those two coins are interwov

I did not believe that after the whole FTX drama there's any good to get this year but *DaleValskov* proved otherwise. Bad timing maybe but it's a great adoption to get this more to the mainstream and raise awareness. Probably a high contender for a top 100 growth

“Rice and Beans; Beans and Rice”.

Can't deny the fact that *DaleValskov* is the strongest bet to bring power back to this industry after we suffered FTX, Celsius, Tera and so on. Sure if they fail it's done for good, but I don't see that the biggest tech company in the world would put everything at risk just for that.

It's amazing what you do *DaleValskov* We need a lot of people with your skills and set who have good intentions and spread love

My heart goes to the entire community for *DaleValskov* building up something even my grandpa can understand. This is so smart by them to launch it to shatter the doubts and fears of the common folk which is not even correct to begin with. Everyone knows the state of inflation and recession now and the way out is already in progress. Now it's just about catching the big fish

I don't understand why people live above their means and then make more bills.

I love how Dave Ramsey always makes it a "We" decision when it comes to marriage finances and family finances.

I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you *DaleValskov*

Their house payment is very good for Ft Myers, FL, considering that the cost of homeowners insurance is most likely very high for her local area

Funding 401(k) with a credit card, LOL!!!

There should be a book on basic saving money skills.. Babies breast feed and cloth diapers.. I talked to a young Mom the other day diapers $70 last 2 weeks. Breast Fed if you are able, even if you are just pumping milk for bottle feeding huge savings. All meals at home unless it's a special occasion, taking a family of 6 out to eat or even fast food is crazy high right now. Lunches taken to work every day. Shopping the thrift store for children's clothes and saving clothes from the oldest child for the next, shoes too. Bare Bones Basics. Hope it works out for them, Florida is a expensive place to live no matter where you are at. Anna In Ohio

I think investors should always put their cash to work, especially In 2024, we'll start to see more market diversification. I'm hoping to invest about $350k of my savings in stocks against next year. Hope to make millions in 2024

I'm literally overwhelmed, You are a blessing to the world. I can't thank you enough *DaleValskov* for helping me with my account recovery. My prayers will always be with you and your team. Keep it up guys. Love from Maldives. There are many people out there I pray everybody get help.

Am I the only person who likes to work and be able to pay my bills and have extra money???

I really appreciate the dedication in each video you post. Despite the dip in crypto, I still thank you for the level-headed financial advice. I started crypto investment with $4,345 and since following you for few weeks now, I’ve gotten $18,539 in my portfolio. Thanks so much *DaleValskov*

"You're not going in a restaurant unless you're working there" - i almost wish i were an advisor just so i could use that line.

Dave and Ken are right on here. I only question one thing. The caller and husband have 4 kids. She should not be expected to work more hours. Hubby can work more construction hours, but he has the kids too. Some other things should be really looked at hard to tighten up the budged. Things are not going to be cheap with 4 kids. Good luck to this family and to all of us !! 👍

📌 TA is all well and good but I find it truly baffling that all major stocks you tubers just look at pure TA and completely Ignore the bigger narrative of why stock Is pumping and why the future outlook might not be as rosy as it seems. Alot has changed and that's about it, but the truth is that I don't even care much about the bull or bear market anymore because *DaleValskov* covered me while I'm doing comfortable. 2.3 BTC per month

Oh the irony of life.. I have friends who would be awesome parents and capable of providing but cant be blessed with a kid, and you’d hear couples popping out kids like that…

When you go over by $500 a month that’s actually pretty fixable. I would look at the last 6 months and how much they spent on each category of their budget and she’s where the over spending is happening. Most people could save by cutting coffee, fast food, convenience foods, streaming services, and a few other luxuries. Also if they have 4 kids they should have a big garage sale with all that baby and toddler stuff as their youngest outgrows it all. I just made $1000 having a big garage sale. That’s baby step #1 right there.

A lot of Ken’s questions sound kind of stupid, there aren’t too many private investigation “side jobs” for someone who works for the state in law enforcement.

The other side of that is, if you're not in Tip-Top physical shape, swinging a hammer 16 hours a day 6 days a week is going to wear you down really quickly.

I just can't with these people. The level of ignorance about life is staggering.

Dave: "Where's your husband in this?" Caller: "He's not so good with money" Dave: "Neither are you". 🤣

This is one of my favorite channel. It always makes my week complete! 😊 Despite the economic downturn, I still manage to earn $25,000 weekly from my investment of $3,500 ..God bless *DaleValskov*

I feel like Caleb Hammer would iron this out with the quickness and tell them to quit buying taquitos.

Cut cable. Cut expenditures. Cut. You might look into skipping lunch or eating less for a few months and see how it goes.

We have one child, yes we wish we could have had another, but we COULD NOT AFFORD IT.

Somehow I giggled uncontrollably at “neither are you” 😂😂😂

I had a friend years ago who was terrible with credit cards. So he just stopped using them. Switched to a debit card and was fine. Well, sometimes he got declined in the beginning, but it really helped him turn things around. Some impulse buyers are fine if you just put brakes on the wheels of their spending.

I know it's a saying of Daves but literally beans and rice will cut your bill down. Add some things to it but making the bulk of your meals rice based without meat will cut down that food bill.

With younger people it sometimes takes a while. I know for my wife and I it did but thankfully we’re on the other side of that. I’d definitely say if it’s possible to sell or trade the car to something paid off or at the very least a significantly lower payment definitely look at that. I know this opinion may not be popular but IF they can be disciplined and not go back to credit cards it might be worth looking at a debt consolidation loan, even a small one to pay off some of the smaller cards. I did something like this against my retirement which isn’t the best idea but I was able to pay off most of my credit card debt and it was pushed down into a smaller time frame and saving money each month. But you have to get to the point where you aren’t using the cards anymore. That’s the hard part though.

"what do YOU owe on your car?" "I owe $20k" "WE owe!!" 😂then ask the correct question. "what do BOTH of you owe?"

It sounds like they're not in horrible shape. Student loan is high but not stupid-high like some people. They need to start pinching pennies until Abe screams though. I well remember when we were pinching pennies and our winter "vacations" were picnics in the living room. We'd spread out a blanket on the floor, make up a lunch hamper (usually leftovers) and just have a nice quiet evening. No TV, no stereo, just us. Summer "vacations" were the same, only actually outdoors at the city park. You go into it with the right attitude and it's more enjoyable than traveling somewhere.

It’s sooooo much easier to just change your lifestyle the first time you don’t pay your entire credit card back at the end of the month. Now your 20k in the hole and you’ll pay 2x that back in interest or more as you make slow progress.

I love Dave! "well drive right up in his face..." Such a way with words.😛😛😛

I go to restaurants that give you big portions. Is basically two meals out of one order. There is almost no difference vs me cooking at home.

Putting the cart before the horse.

4 kids $100k in South Florida at 28 is going to be tough no matter how they budget. Can't go back in time. Those salaries aren't really competitive so move somewhere cheaper or increasing income are only real sustainable options.

26 and 4 kids. Found the issue. Shocked Mr bible thumper doesn’t say this.

They have a house but didn't mention having a mortgage. I would guess their house is not paid off based on their age and finances so they are probably more in debt than what she said

great ep

Nothing in this call indicates they have an unsustainable amount of debt. $20k car loan on a $100k income is not out of line. $20k student loan to make a $50k salary is not out of line. Yes, the credit card debt needs their immediate attention. My guess? With four kids, their daycare expense is eating up a significant portion of their income. - probably in the $25 - 30k range. Daycare is incredibly expensive nowadays. So yes, they need to do a detailed budget to figure out exactly where all their money is going. That is a good first step. They didn't delve into the type of construction work that the husband does, but also yes, he can tap into that skill set to earn extra money. In the end, once they do the budget and identify where their money is going, they will most like determine that they do not have to stop their 401k investing, perhaps back it down to the company match.

4 kids wouldn't be a problem if they didn't have all the debt. The credit card debt alone is a killer. They're obviously maxed out. So they play the game of making minimal payments, but turn right around to max it out again. Take a hit on the credit score, and stop all payments on the cards except 1. Cut costs, don't go crazy at christmas, and throw everything you can at that one card. Then move on to the next one. Use all that child tax credit to your advantage come tax season, and put it towards the remaining cards. Then tackle the car payments, then student loans. It can be done within two years on the salary they make, and cutting all unnecessary expenses.

The more kids you make, the more hours you have to work. Or you can let the system take care of you.

Damn! That's another way to think of it..FUNDING 401K WITH CREDIT CARDS. 😂😂

People really need to plan out how many kids they can afford before popping out 4 cos you wanted 4 and then trying to figure out how to keep things afloat afterwards. The whole concept of "we want 4 but we can only afford 2 so we're having 2" doesn't even occur to them, people just do whatever they want and then cry about the consequences of their actions.

Did we talk about birth control and day care? 4 kids should have required a lot of foresight and budgeting BEFORE they got pregnant! They will be stuck in lower middle class forever even if they get out of debt unless he can seriously increase his income. He needs to be on a path to foreman or project manager.

"If you can swing a hammer you can make 40 to 50 bucks an hour." Where? That's 80K to 100K a year. Are you sure all you need for that is to swing a hammer?

Why do these people have 4 children when they are poor and can't handle money?

I can bring my monthly expenses down below $750 a month (no mortgage or rent... paid off house is nice to have) How driven are you to actually budget to fix your mess?

She has 42k in debt, 22k in c/c and 20k. Unless they have a house that is paid for, which I highly doubt, how is she not accounting for mortgage payments? The level of ignorance is astounding.

Investing in Roth IRA can be a good choice since they are funded with after tax dollars, your contributions can grow tax-free over time. When you withdraw money from your Roth IRA in retirement, you won’t have to pay tax on it, which will help you keep more of your hard-earned money. I retired with 5 million dollars

I have a question: what would Dave say about taking a loan from your 401k to pay credit cards off? your paying it back and it s lower in interest.

🙏🏿Jesus!! Thank you for rescuing me from debt debt

How do I get into contact with Dale Valskov and give him all my money no questions asked?

I bet her car payment is 500 a month

Dave pretends he’s a hillbilly but then he says your dumb if you don’t get a degree 😂

Dang the boys are out in full force.

A budget is like a calorie deficit if you stick to it, you’re gonna lose weight if you stick to your budget, you’re gonna spend less money than you make. It’s that easy. 😅

She said she made a spreadsheet but does t know any of the totals lol

That's enough kids.

So glad Dave asked about the husband? They're most of the time behind the scene.

Poor guy, construction is falling off. New filings for home loans are down. Home refi, down. People falling behind, is up. Construction might not be a great option over the next 36 months

the ONLY math that will save them would be them getting better jobs. they have too many kids with too little income. why they need 4 kids is beyond me.

Haven’t lost a patient yet

Selling a house and buying another costs $$$!

Four kids by age 26 😬 May the odds be ever in your favor!!

It’s fourth grade math but if your husband doesn’t want to do it, it gets so frustrating. My husband is in his 50s and every time we sit down to do the budget he leaves halfway through it and I have to call him back. I don’t know why he does it and asking him is like asking a wall.

She has a bachelors degree, so should know basic math and set a budget, all you need is a 5th grade education. But people don't want to make sacrifices they want to YOLO, well have fun with that when you're broke in your 60's on the cusp of "retirement"

Maybe sell one of the kids LOL.. but seriously the dumb American dream is to own a home and have kids. Both are expensive. To all future parents; don’t have 4 kids when your income is only 100k combined because that is NOT enough when you factor in student loans, car loans and other loans.

Hopefully she can look into velocity banking using the credit cards to wipe down the debt with using them but have all extra income on them. I was in very similar situation and just wasn't enough extra to make progress throwing onto them while still trying to budget and spent separately. After using the method of using the card for the expenses and throwing all income onto it, have been able to pay it down drastically and the cash back rewards negate the interest charged monthly since have a running balance on it.

I'm a older guy I has one daughter she's 32 years old my ex wife had two kids from another man I'm glad we part way I'm 59 years retired from military I get social security and disability from the military I went to a technical college for heating and air conditioning I don't work now I don't college degree I'm renting now but I'm very financially stable got two retirement plans not much money I feel sorry for this couple because rasing kids cost a money and food is expensive car insurance is going to the roof and everything else just stick to a budget just pay bills that you can and don't worry about the rest

She might run the numbers to see if it's costing them more for her to work. It isn't just the daycare cost. There's work wardrobe, hair and makeup expenses, eating fastfood or convenience foods more often, because she's tired after working all day, and a higher tax bracket due to two incomes. It goes on and on, and a dollar saved is worth more than a dollar earned, because you aren't paying taxes on it the saved dollar.

This video has inspired me to buy a brand new Tesla.

He works construction. 99% chance he is addicted to trucks. Any amount he works extra will lead him to believe he “deserves” a new truck. I guarantee it!

28 with 4 children is wild to me. Wow.

28 and 4 kids, insane.

Four kids is your problem. It may be too late for these people but the advice I give to young people is, don't have more kids than you can afford. People can criticize and cry about my comment all you want but FACT, kids cost money and more kids cost more money. I have one kid then I had a vasectomy. No matter the economy, life has never been to difficult financially!!

$2000 mortgage can go, $100k profit. pay the $60k. can be debt free in a month.

$500 a month is 25 hours of driving Uber...but then again an extra $500 probably wouldn't be enough.

Stop keeping up with the Jones!!!

Broke people!!!!! Interesting point of You! I respect it though. I uncreate that decrete for a gazillion times from this family and every family that has been called that! I DECLARE abundance 💐of all great things. I declare order. GOD’s guidance and wisdom to manage money and have a vacation with children even if is a road trip and you bring home good . Woow!! That’s not very Christian comment!

They would sell their HOUSE before selling their cars...

His pull-out game is weak

The daycare bill must be a killer.

Side hustle

People still out here having children with cost of living increasing everyday. That’s why she’s house poor. It cost around $200k to raise a child.

Oh FFS too many kids. Have them when your older

Not an american here, can someone explain how some of the callers have medical bills for delivering babies and there is this with 4 children and not a mention of medical bills?

Living off other people's money.. which are credit cards to pay your bills.. but household income of $110000.. make it make sense 🤔... but what's so funny..oh yeah this is laughable😂 😂😂

Any chance she could transition to working from home and save on childcare? Also, I have found that making homemade bread has saved us significantly in groceries. I make a large meal every other day. The second day, we eat leftovers and a boule of homemade sourdough. Our grocery bill is always under budget now. Family of 5, single income. Don't listen to the bitter childless commentators lol

You can't be fixing the problem on one side of the issue and have another sabotaging everything you are accomplishing on the other side. You both have to be on the same page.