Got a job offer for $20hr. “Yeah go find one for $40” wow why didn’t I think of that it’s so easy just go find it.

“Rent somewhere that is no more than 25% of your take home pay” 😂😂😂 She’s living in California making 20 bucks an hour 🤦‍♂️ literally not possible even w/a roommate

$50 an hour is a little high for an entry level bachelor's in psychology. That's $100k per year. Less than 10% of people in this country make that.

Dave really thinks that 40 and 50 dollar per hour jobs grow on trees.

Dave is smart but I think he’s out of touch with broke people

I earned a bachelor's degree in psychology. It was essentially worthless when applying to jobs. Don't study psych unless you are planning to get a master's or PhD, it is very difficult to get a good job with just a psyche degree.

Four years of having college professors blow smoke up your (you know what) and now she discovers that psych degree puts her on the same earnings level as someone stocking shelves. The good news is that she only incurred $13k in debt for that life lesson. Could have been worse. Much, much worse.

"The pay is only $20 an hour." God I remember when $20/hour was amazing!

Rent that’s 25% of $20/ hour doesn’t exist anymore, not even close

I don’t know if she qualifies, but the military would get her out of town and solve the housing issue. With a bachelor’s degree, she could go in as an officer.

How many $40-$50/hr jobs are out there starting out for someone with a psychology degree?! Dave might be slightly out of touch.

No moral, legal entry level jobs pay $50/hr. Even if she had a medical degree straight out of college…

Working 80 hours per week is not normal. We should all be able to afford a place to stay working 40 hours per week, no matter what the job or pay is.

I was where she's at . Living at home with abusive people. I knew I had to change course. Stopped working towards a 4 year degree, went to community College and got a degree in Radiography/xray tech, and have done well since then. Just kept slowly increasing my skills, letting jobs pay for my school as I increased education, eventually getting a bachelor degree paid for by the hospital I worked at. Find a niche area you like decently enough, and find out what you need to do to get there. General degrees are worthless.

“I’d get a job for 50 an hour I hate” Thanks Ramsey.

She should consider a roommate or two or move somewhere more affordable. The thing is, a psychology degree doesn't bring in a ton when you're first starting out.

Where I live, it is no longer possible to rent some place for only 25% of my take home pay. Unless you want to live in a dangerous neighborhood, maybe renting a room.

Where on GOD'S GREEN EARTH is there an entry level job for a new graduate with a psych degree that pays $50 / hour?!!

If she works 2-3 jobs, she would never be home..

$20hr stocking at Target? 🤣 not here in Va...maybe $15 at the highest!

When the avg. reported salary for Ramsey Solutions is below $40 an hour, but instruct a caller to just go out and find a $40/hr job 🤦🏼‍♂️

Dave doesn’t know what he’s talking about if he thinks any company is gonna pay her 40$ an hour with no experience and a psychology degree, especially moving away from urban centers.

The issue Is you need at least a masters in psych to even do anything that's going to equate to living comfortably!

She’s five years into adulthood, done with college, no kids, not married. What’s keeping her from having two jobs or at least one plus something part time that gets her foot in the door with good potential of greater income later? Go forth and do great things!

It’s hard to be on your own especially starting off n having a debt already. It will take awhile to get to where she wants herself to be. I’ve been with my company for 12 years now n started 15$ as a janitor. Kinda sucks oh well. Just stuck to it n now making 34-35$ an hour is my comfort zone. Find a good company is all I can say.

The Dave "just go to church and plant a money tree" Ramsey solutions show.

Are there $40-50 pr hour jobs in So Cal for new grads with a bachelor's degree? Maybe for engineering or programming but a bachelor's in psychology is fairly useless on its own.

I have a bachelors in psych, they might as well have printed it on toliet paper, master or doctoral degree needed to make any money in that field.

@7:08 Rachel: "How old are you Liz?" Dave interupts immediately to make goofy "click click click" noises to make a profound point that she's living "like" on a rollercoaster.

What Target pays $20/hr to stock shelves? You also underestimate how hard it is to get a job. You make it sound like I can just walk down to any old Target and I'm hired lol.

I think it's really endearing that Dave urges her to move out despite her debt. He cares about her mental health and living situation - not just paying off the debt. Love this dude, he's that little angel on your shoulder that encourages you to pick the right choices financially that will ultimately set you free :)

I see most people who go for psych degrees have some type of trauma they are actually trying to heal within themselves. It sucks because it let's me know we should have had therapy as kids so we could stop trying to therapy ourselves in college. Smh. I hope she heals from the abuse. My mother and brother did the same.

Day time, $20-$30 an hour. Night time, server or tend bar 3x a week. She may meet someone special too at a restaurant 🥰 You can do it girl!!!

50 bucks an hour at 40 hours is like 100k. Not gonna happen. But I appreciate their kindness. Its a sad situation

He is amazing when he said you are going to hate your job but it's your escape plan. I can't stand my job but the money is helping me do what I need to do to get to where I need to be.

Dave suggesting she get a $50/ hour job when she is a new grad with no experience and only making $20/ hour is the worst, most asinine piece of advice I’ve heard him give yet. Hello? Earth to Dave! It’s time to come back to reality.

What is Dave on? How is a new grad psych major going to move to a low cost of living area and make $40/hour?

How do people watch Dave and not think this guy is completely lost and out of touch? To just say "get a $40 an hour job" is completely delusional, but hey I'm sure with his 200 million he can give whatever advice he wants. Only a small portion of the country makes over 100k a year....

My heart goes out to her I’m in a similar position these decisions are heavy good luck ❤️

Dave gives straightforward, sound financial advice. Thanks, enjoyed this video. And yes, she needs a support system.

It's truly remarkable how one person's situation is so relatable and how the advice for one can affect 100. Love the video!

She needs to live with her family and save up some money and continue to pay down the debt. If she's going to move out, she 100% needs roommates.

$20 an hour for a psychology degree is great. Take it. In the Midwest, a psychology degree doesn’t anywhere near $20 an hour.

Rachel is morphing into Dave with the crossed arms

Yeah. She just needs a second job. $20/hr with a bachelors in psych (which is useless basically, if she ever wants to make 6figure money she needs a PhD). To even make 50k she needs a master's!

"Go forth and spend no more," -Dave Ramsey

I didn’t know people make around 100k as entry level????

Get out, get a roommate, work hard, enjoy life

If finding a job that pays double was that easy to find I'd do it in a heartbeat... come on Dave.

He's always a little out of touch with reality. When you are not making enough you cant pick up and move to another state or whatever. That costs money we don't have.

I would work two jobs if I could. not as easy in this third world, finding one takes blood amd sweat, and they demand full dedication. even after work hours.

Dave acting like $50/hr jobs grow on trees lol

wow, God bless you mr Dave!! 💗🥺

I have a psych degree and I am making the most money I have ever made at $16 an hour. I am proud of myself especially because I have overcome a lot of anxiety to work.

$40? Why not $50 Dave?? Heck go for $60!

I love the show

Dave believes in you; I love that!

People need to up their game. Get a real degree. Engineering. Healthcare. Something that has tangible value.

This is a hard one. I'm kinda feeling this one. Starting a second job tomorrow

Sometimes when uncomforted visits you it's usually an opportunity that is setting you up for greatness in the future.

Bruh, where is this target that pays 20 bucks per hour stocking shelves??? Wherever it is I'm signing up lol

She should stay home for another 6 months and pay off the debt. Just don't be at home so you don't get verbally abused. Come in late and leave early

Even rice and beans are expensive now days!!

While in Cali she won’t find anything she’s looking for lol. I love his teaching but he believes that we’re not in a recession lol which is stupid to believe that 🤷🏽‍♂️ getting out debt is his thing but everything is 50/50. He’s not into talking about starting a business.

Hr brother is slaying it, my man!

Get out of California. We have factories in Ohio advertising $21 starting pay with health insurance. Probably don't even need a HS diploma.

Toxicity will weigh you down, break you down, and keep you down. Best to get out and gain your freedom & sanity!

Dave doesn’t sugar coat anything I love it

Yep Dave is right 100%.

Nice!

Me 🗣: get her Dave! Dave: you need two or three jobs. U broke! Me: 🤣🤣🤣

I understand those saying Dave is out of touch but he also acknowledged that until she gets a better job she's got to work multiple. And look where I live, it's not California and I see certain fast food restaurants starting people at $18 an hour. So having a defeatist attitude that you can only make $20 an hour is also a poor way to approach this situation mentally. I'm not saying that she can just easily go out and get a $50 an hour job tomorrow. And I don't necessarily think Dave thinks that's the case, I just think he's trying to light a fire under her so that she goes out and gets creative and looks under every nook and cranny to try to find any job that will pay higher or at least put her on the path to making more money. This is another example though of why people need to think before they just go get degrees. Have a plan with your degree. Way too many people out there with useless pieces of paper on their desk

Can’t do anything with a bachelors degree in psych is the issue

Dave thinks there are 40 to 50 usd per hr work floating around for fresh grads???... he is so out of touch lately

I would stay at your families place for another year or two to save up a ton money/get more experience before getting your own place, just don't buy anything you do not need. you can transfer your job or start over and you can move anywhere in the united states because you have money.

That moment when Dave said welcome to the real world.... It's the best transition. YOU HAVE TO MAKE IT HAPPEN! you got this.

I don't really think entry level position at stores like target typically pay $20/hour.

I would try to stay at home until I got out of debt and had some money saved first. And she needs to believe in herself to get a better paying job. Knock on every door.

"How old are you Liz?" 🤤😅🤣

Uncle David 😢 you're my SUNSHINE MAN 😂😂😂 HOOYAH HOOYAH SIR 😊😊😊😊😊

How do I call in?

If can go from $20 to $40 just like that than, than I should be at $70/hr by the end of the month

Dave really think a freshly graduated 23 year old with a psych degree can easily go find a $40/hr job lol

If being at your home makes you cry and being at work doesn't make you cry, you need to change your home.

Imagine getting a bachelors degree to make $20 an hour.

My first job out of college was $12 / hour!

$40-$50 per hr. ...right.

$50 hr job in current America? That's like hitting the biggest jackpot in a casino.

Ummm. Which target can you make 20 an hour stocking shelves? I’d love to apply there 😅

Am about to start up as a Federal Corrections Officer. I can easily make 100k a year with overtime. They are short on staff as well more people should think about this as a option starting pay 28$

Wrong degree tbh.

California is rough I feel you girl

I hate when college girls use the “verbally abusive” excuse. Sure it happens, but not nearly as often as it’s it’s portrayed. Beware guys, if she plays victim like that runnn awayyyyy

Only 20 an hour, I deserve more! Even though I don’t have any experience.

I believe Dave is saying don't settle for a $20 dollar an hour job with that type of degree. He over exaggerates a lot like the beans and rice comment. He doesn't actually mean literally rice and beans. He is more psychological with his money advice than math. He builds confidence in his listeners do go find a higher paying job and to go do the work.

Beans and rice rice and beans you won’t see an inside of a restaurant unless u work there. Understood??

There are some really nasty people in this world but Its worse when they are members of your own family, I hope she can find a solution to her problems PDQ.

I need advise ---I make extra money each month. How can I invest and not get ripped off?

Palm Springs is expensive. Plus it's small.

You don’t make $20 an hour at target. Dave is a little out of touch