$100K in Debt and a Baby on the Way

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[@boston312]

My friend just threw a lavish wedding (about 50k) when he and his wife were already 100k in debt from student loans alone. Now they are planning a baby. Im always in awe how this debt and reckless spending never stressed these people out. They should do a Netflex series on whats going on in the minds of these people

[@chocovanille5809]

OMG RIGHT!! Know so many medical professionals that are deep in debt but plan a wedding in Turk and Caicos!!

[@AxleLotl]

Calling her out is the nicest thing anyone has done for her.

[@VGFightSchool]

Jade went into “Jade Ramsey” mode here 😅. I like how she has grown in this role.

[@orgendoner]

Jade was not having any of it. 🤣

[@cathyziegaus3378]

My favorite on the show.

[@nodsib]

Yep, Jade is absolutely the most Dave-like of all the personalities, good combo with George

[@behindthecam5526]

She's my new favorite Co host

[@elizabethallen4353]

Phone goes dead when George says to sell the truck.

[@TimeisUp22]

Lmao!

[@CarnivoreStork]

Husband was on the other line LoL The immaturity speaks volumes

[@adamseidel9780]

Credit cards, expensive cars, student loans she doesn’t need, doesn’t know her own income or his, and IRS debt. It’s about as dumb as it gets. The question to ask people like this is “do you want to keep being an idiot and digging deeper and deeper, or do you want to grow up and be a little bit on top of your own life?”

[@gottasay1157]

My favourite, breeding a dumber version of themselves.

[@dacokc]

I am a project manager working for a general contractor. I drive a 2014 Honda Accord. I see lots of guys in the field that drive sedans… Most people don’t really need trucks… it’s an ego thing..

[@anndeecosita3586]

I would say most of us don’t need them all of the time but most of us do need to move stuff. I have had to ask friends and relatives with trucks to do things for me. I inherited a pickup last year that I sold thinking I didn’t “need” it. Now I am trying to figure out how to move some stuff from another state to mine wishing I had one. Companies are quoting me thousands of dollars as if I was moving a household which I’m not. I have a small SUV and decided to pay $500 for a hitch plus installation. I plan drive down and rent a trailer which is much cheaper than renting a truck. I don’t have to book a flight and rent a car to bring my stuff back. I vote SUV (i buy mine used) and a hitch as the way to go.

[@jeremyrinehart5883]

Also a project manager for a GC. I drive a 2009 Nissan Altima coupe… believe it or not, when I fold the back seats down, I can slide 10’ 2x material in there. Granted I have to take all my tools out😅 it’s a bit too small haha, but it works. When I load up a ladder it hangs out the trunk too lol

[@briankelly7978]

I’m a PM and drive a Chevy Malibu lol but if you run your own business you most likely need your own truck. Regardless this guy needs to go be a PM or a super bc he’s not cutting it as a GC

[@jeremyrinehart5883]

@@briankelly7978 exactly. Hone in those skills and then take on being a GC when you’re ready. I will admit I do borrow the GC’s truck all the time for picking up material. Not to mention all the different trailers

[@BREEZYM6015]

I live alone and only make $3,600 a month after taxes and don't struggle like this. I say "only" because $3,600 might not seem like a lot to most people but I'm able to pay all of my bills and have an emergency fund as well.

[@MikeNapoli1989]

Literally same. It’s the person, not the cash.

[@laurijohnson7754]

Yes. The thing that drives me crazy about the Ramsey Show is that they lose touch with the Middle Class. 5000 a month is good money in America. They should have been able to live fine on that

[@TheRamseyShowHighIights]

​@@laurijohnson7754we don't look down on any class, we carry everyone along..

[@Bamapride1985]

It depends a lot on your location. Some areas that can be pretty decent income

[@mikezerker6925]

Awesome! LIVE BELOW YOUR MEANS! So many people in this country can’t or don’t want to do that!

[@ChrisBoulas]

Husband's work is slow because it's winter? You live in San Antonio TX!! I own property there and my contractors are BUSY nonstop.

[@myhappyspace4533]

She sums up the average American mindset around education and handling money!

[@tommyjones6866]

Every "yes or no" question she was asked she provided a 2 minute backstory lol. Good luck getting Husband to sell his truck....thats not going to happen.

[@deb9806]

You NEVER not pay taxes. I hope he learned now how to do it quarterly

[@andrewvisiko5250]

My wife and I bought our rings at Walmart. Sterling silver, and cubic zirconia ‘s. Whole wedding with the church, and food was $600. We refused to go into debt for a wedding. We knew we wanted to get married, and we knew our budget.

[@k_kelsey]

Smart.

[@KS-cl8br]

$600 is good for food and wedding silver and CZ doesn't seem good for rings

[@andrewvisiko5250]

@@KS-cl8br It got the job done, and it doesn’t turn your finger green.

[@mikezerker6925]

@@KS-cl8brthey could replace those rings later once they’re millionaires

[@Lakhesys]

​​@@KS-cl8brMy ring is also silver, cost 10 bucks 9 years ago, and has 31 zirconia Stones. It is still the most beautiful ring I haver ever seen.

[@scottsanders2474]

Jade called it. This couple absolutely was planning on getting another loan for her to continue going to school in 2024-25. They also will not want to sell any of their vehicles or do whatever else is necessary to get out of this hole. Why? Because they are still pretending they are not in a hole, so it's OK to keep digging. And now to cap it off, they decided to bring a baby into this mess.

[@johnlanier3616]

100,000 in debt and thinks it a good idea to have a child. You can't fix stupid.

[@Dan16673]

V and P don't know income

[@Kayla-hs9rt]

This is why I’m for abortion

[@dawnmorandin541]

First thing is to write all your debts down in order, second write down your income, third stop buying things, fourth pay off the debt, you're welcome.

[@karryhuston1321]

Yup

[@BREEZYM6015]

Stop buying things should be first. Needless things that is.

[@lcam9241]

​@BREEZYM6015 well .....that's true too.

[@mikezerker6925]

@@BREEZYM6015exactly! I am down to living on ~20k per year… I make around 75k after taxes… after paying off all debt in 2020, I continued saving and investing the amount that I was using towards paying off debt and now have a large 6 figure portfolio! It can be done!!

[@countessstevens63]

This is hilariously irresponsible.

[@liesascott5414]

I don't understand young people today. They have all kinds of family planning available, can take care of their business and banking with computers, have in home pregnancy tests and still have these problems? How in the world did we ever manage to stay out of trouble with non of this available in the 60s???

[@aaronmurphy8796]

Hahahahah they had to ask her so many times how much money they made . That killed me .

[@Tania_327]

This duo is fire 🔥 yes people need to be called out. This is a ton of debt and wait till baby comes!

[@siva47931]

This is why we need to legalize abortions

[@lisaowen7617]

​​@@siva47931No we don't. Use birth control that prevents you from getting pregnant in the first place.

[@lisaowen7617]

​@@siva47931No we don't. Use birth control so you don't get pregnant in the first place.

[@lisaowen7617]

​@@siva47931No we don't. Use bc so you don't get pregnant in the first place.

[@lisaowen7617]

​@@siva47931Use birth control so you don't get pregnant in the first place.

[@chexmix2964]

I would disagree she needs another job $7000 a month is a liveable wage they just need to stop spending

[@lisawrites6517]

I’d bet my paycheck they aren’t actually making 7k most months and don’t track expenses so 7k is whatever money landed in their account without deducting taxes or expenses. Still if they made even 4-5k month that’s a respectable income, but not with all that debt and bringing a kid into the world. They don’t sound like they want to sacrifice. I think they’ll learn the hard way.

[@mw6346]

She called her out, and i love it!

[@hurle21]

I love when Jade and George call a spade a spade

[@francismarion6400]

A GC that can't even manage his own expenses! This is part of the reason a truck is $80k now.

[@pattycakes25]

Exactly - Market value. If someone would willingly finance that much for it then why not make it cost that much

[@brooklynzoo81]

Keep on going! Have another baby.

[@Whiskerman]

😂

[@bigcahuna42366]

Anyone who says "ummmmmm" when asked how much revenue or profit the business is bringing in might indicate that the business isn't doing well. Those who are excited about their success want to know where they stand. When it isn't doing well, they are scared to know.

[@mikesmith-wk7vy]

contractors do like nice trucks , many you see on the sites aren't being used for work they are luxury trim short bed models

[@Daveyboy28]

People who put engagement rings on credit cards are not serious about their relationships or life

[@angrialex3409]

thats simply not true, i plan on getting the ring on a credit card.

[@chocovanille5809]

@@angrialex3409thats true!!! You borrowing your future!

[@restandrelaxation4039]

I got a business degree and thought it was a waste of 4 years. If she can’t see good/bad investment or have a basic accounting of her money, her degree is also just a piece of paper.

[@megan2478]

George: what is this degree going to do for you. Caller: well nothing really...i'm just pretending it has something to do with my 'business'...blah blah blah...BUT...I get to take another loan out! And that's just exciting! FREE MONEY!

[@mikezerker6925]

Then she’ll be crying for the taxpayers to pay off her student loans! 🤦‍♂️

[@CarnivoreStork]

So true!

[@Whiskerman]

When people say “businness, communication, psychology, sociology degree” etc etc it’s a dead give away they will never get a real career. My neighbor couple is a nurse and a plumber. They make actual money and have real jobs.😂

[@ZETT_1899]

Greetings from Germany. Always shocked how much you guys are in debt in the US 🇩🇪

[@creolelady182]

It shocks me too and I am from the states

[@dawnmorandin541]

@@creolelady182 who let these people buy those cars and trucks ???

[@mistiinseattle]

Not all of us! These calls are from people who are extreme. but yes far too many people here go into insane amounts of debt. I am personally not in debt at all.

[@J-wu8sc]

Different cultures. In Germany I hear credit cards aren’t a big thing, they prefer debit cards. Germans aren’t as materialistic I don’t think. Your average rent is $1000 meanwhile the US is double at $2000. Your cities and towns are more walkable bikeable, better public transportation and driving distances are less so you save there. Schooling and healthcare costs lower. Average take home of a German is $2853 and average take home of an American is around $3300. So while we may make a bit more on average our cost of living and way of living is more expensive. If you’re more than average though in the USA you can make a a lot more than in Germany and becoming a home owner is easier from what I’ve read. So there’s pros and cons.

[@ZETT_1899]

Do all of you have to pay student loans?

[@Jim_Curtis]

Jade knows she's being evasive, dodging accountability. The wife is as much to blame as her husband for their financial mess.

[@robloxvids2233]

She's the only one who holds women accountable and doesn't handle them with baby gloves like the misogynists.

[@anthonykence9954]

They need to stop spending immediately and stop buying things on credit. Get rid of those 2 vehicles immediately.

[@thisguy7201]

Idk how else to say it, but she got roasted throughout this call😂😂😂

[@deval3596]

does she really think she is going to graduate in 2025 with a baby on the way?

[@princessleyla]

I came here for this comment

[@KathleenMcNe]

And President Biden wants taxpayers like me to pay the caller's student-loan debt.

[@mikezerker6925]

Yup! A bunch of bulls-!!

[@focojeepr]

Isn’t that infuriating?

[@mikezerker6925]

@@focojeepr why do responsible people always have to pay for other’s mistakes in this country??

[@divineorder22]

So just go take your money and pay Trump's legal bills. That would be wise, right 😮

[@mikezerker6925]

@@divineorder22 difference is, ignoramus, that Biden ACTUALLY wants taxpayers to foot other people’s student loan payments… where has Trump ever forced people to pay his legal bills??

[@beaniemac]

Why have two businesses, when they only make a combined 7k a month?? There's no point in stressing yourself to make so little. Especially her making only 2k a month. Her business earns less money than a full time fast food worker.

[@KS-cl8br]

she is going to school so obviously can't devote full timd to it

[@JewelBlueIbanez]

Working fast food is stressful and exhausting. I don’t recommend it if you can do something else.

[@tonytoni1150]

I doubt he’s making 5k a month. She just said that because it sounds good.

[@yophilli]

Businesses take time to grow though, in 6-8 months that ain’t too bad if it’s a hobby

[@pamsmith1665]

Try nursing​@@JewelBlueIbanez

[@Mavryck_Tha_Myghty]

She may need to drop out of school since she just enrolled into the “School of Hard Knocks”.

[@jimmymcgill6778]

NO. She only have a year left. And she already took out the loans.

[@lot2196]

Minivan with a trailer hitch and a 5x7 utility trailer. I can carry most everything I need.

[@nodsib]

And that trailer is easier to load things in and out of than the typical work truck that people use these days

[@funtechu]

To the comment about "we are going to owe money to the IRS at the end of the year because we haven't been paying during the year" - pay it NOW! Don't wait until the end of the year. Penalties and interest accrue DAILY, so don't wait another day. Q1 payments were due middle of April so if you pay it now then you will only have penalties and interest for less than a month. But if you wait until next April you'll owe interest and penalties for a YEAR.

[@laurijohnson7754]

I’ve made quarterly payments late and I didn’t get penalized

[@funtechu]

@@laurijohnson7754 You only get penalized if the amount you owe is over $1000 and you don't meet one of the safe harbor provisions (you paid at least 90% of the tax owed for the current year, or 100% of the tax owed for the previous tax year). Given that they are consistently paying >$5k per year at tax time, there is a very good chance that they are paying underpayment penalties.

[@JustinCase780]

Definitely have more kids straight away.

[@mluftop741]

😂

[@miketheyunggod2534]

It’s up to God.

[@xiomaragomez6649]

@@miketheyunggod2534😒

[@amireallythatgrumpy6508]

@@miketheyunggod2534 Only if you're dumb enough to have sex.

[@ykook7000]

​@@miketheyunggod2534🙄🤦

[@tonytoni1150]

“The rich get richer, and the poor keep having kids.”

[@mollymaee]

ummm rich people have kids too 😂

[@blackworldtraveler3711]

@@mollymaee He said “keep” having kids. Watch the movie “Idiocracy” when the bubbles are popping you will understand.

[@mollymaee]

@@blackworldtraveler3711 sooo we’re taking notes from a dumb movie 😬 yikes

[@blackworldtraveler3711]

@@mollymaee Used to be a comedy. Now it’s more like a documentary and not funny anymore. Like I said you will understand.

[@mollymaee]

@@blackworldtraveler3711 welp… can’t help someone who’s taking life advice from a comedy and calling it a “documentary”. 🤦🏽‍♀️ you’re right… wear a condom and practice safe sex please. 🙂

[@mikemcconeghy4658]

Dealerships will rip you off. I've bought three reliable vehicles from a little place that sells them for $10K or less. Never going back to the big places to spend more.

[@starrystarrynight6281]

These people are living of student loans and the gig is up soon. My daughter did the same thing and is paying $300 a month for the rest of her life.

[@laurijohnson7754]

300 a month is nothing monthly for student loan debt.

[@mikezerker6925]

Why doesn’t she double or triple the monthly payment and pay it off?? That’s what I did… my minimum payment was $450 a month… I paid $1200 a month and paid it off in 4 years!

[@laurijohnson7754]

@@mikezerker6925 there is probably no money left .

[@fathead3381]

She doesn’t really seem interested in fixing anything. She has a baby on the way and realized she’s screwed. But she’s looking for easy solutions. They overspend with no plan or direction. She’s going to school with no plan on how to pay for it other than take out loans. She has no plans for what the degree will help her do when she gets out. She doesn’t know what they make. Doesn’t bother thinking ahead with taxes. Theyre screwed unless she gets seriously involved in finances, and she’s about to be thrown into a whirlwind when that baby comes. The $40k in credit card debt alone is enough to bury someone when that interest starts to accumulate.

[@blas8866]

I make $130k and I can’t afford a kid with less debt than that and have a home. 😂

[@Williams093]

Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.

[@Lourd-Bab]

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

[@Williams093]

@@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

[@Lourd-Bab]

@@Williams093 Oh please I’d love that. Thanks!

[@Williams093]

@@Lourd-Bab Judith Ann peace is her name

[@Williams093]

Lookup with her name on the webpage.

[@elicash315]

Let’s be honest 35k for a work truck isn’t even that much. If it’s a business expense and owned by the business why are you considering it personal debt?

[@scottsanders2474]

Because he doesn't make enough money to call it a business. Like Jade said about the wife's "business," the guy's "business" is a hobby too.

[@blackworldtraveler3711]

Seems more like a business fantasy to me. They are having a baby now. Time to get real jobs/career and taking less risks.

[@AnthonyMcNeil]

This is why I love Jade. She called her out big time. That's the hard truth, people dont want to he honest. She's worried about debt but is ready and willing to take on more debt. Also, it goes to show that people truly don't want to do what it takes to get out of debt. After they said to sell the car, it was silence on the phone. It will only be for the short term.

[@alloutdentrepair]

“How much did you make?” “Well, I was born at 2:17 pm, then moved around a lot, last week I stubbed my toe…” 😂😂😂😂 Why is it so hard for people to answer the most basic of questions!?!? 🤦🏽‍♂️

[@aorg9793]

Because they know they will be ridiculed when ultimately answering. Case in point, her eventual factual reply.

[@FTG2Eli]

Exactly as Jade said. They are now realizing that they do not make enough to sustain their life. With the amount of "Ums" said, shows these young people need to get real............grow up before that baby comes.

[@elizabethallen4353]

and then and then and then

[@StevenSsamba]

You just killed me here 😂😂😂😂😂

[@hadenanderson563]

And my great-grandfather washed the car that Hank Williams died in. My favorite cereal is Fruity Pebbles.

[@shola7987]

Jade is the best they ever had. She be on these people's neck.

[@AnnaKhait7]

Thanks for these clips! I learned a lot

[@missgui4400]

They could try to defer the loans for now until they get their life situated. I don’t understand people who take out loans for school. I personally would never do it that’s why I went to a community college. I got my associate degree without debt and got jobs that pays the bills and still save.

[@Mr.Boring_Man]

Let me guess. Blame inflation, not years of irresponsible spending. You are supposed to pay the taxes quarterly throughout the year. I overpay in the event I end up making more than expected. This is just purely impulsive and they egg one another in a negative way.

[@hadenanderson563]

Sell the baby.

[@TimeisUp22]

😭 Income: $2400 Debt: 127k w/ a possible 21k added within 1 year‼️ 40k credit cards 20k student loans (Additional 7k in 2025) 35k Truck 25k Jeep 9k (Additional in September for the baby) 5k Taxes (Additional 5k in 2025) 2k Mazda They owe 127k w/ an additional 21k+ to be added within 1 year. And can only account for $2400.00 a month income. Im not pessimistic but how is there any possible solution? She most likely will stop working when the baby comes because daycare is more than her check, and she has no idea if her husband has a job. They need a miracle. Pray for her!

[@dmbgator86]

Why are they having kids with credit cards, IRS and car debts?

[@user-rw8zj1td9v]

Merica

[@blackworldtraveler3711]

Seems to be the popular choice nowadays.

[@kate_6436]

Never get a degree without having a very specific career plan for afterwards. Especially with student loans. I learned that with my bachelors and have done better with my masters

[@AbrahamDavid11323]

Great Video!! but i am more interested in earning through digital currencies...The introduction of a Bitcoin ETF marks a groundbreaking moment in the cryptocurrency world, merging digital currencies with traditional investment methods. This innovation could stabilize Bitcoin prices and broaden its appeal to a wider range of investors, potentially increasing demand and value. At the heart of this evolution is Franca Wellis , whose deep understanding of both cryptocurrency and traditional trading has been instrumental. Her holistic approach to investment and commitment to staying abreast of market trends make her an invaluable ally in navigating this new era in cryptocurrency investment..

[@MargaretLambert3255]

The wisest thought that is in everyone's minds today is to invest in different income flows that do not depend on the government, especially with the current economic crisis around the world. This is still a good time to invest in gold, silver and digital currencies (BTC, ETH... Stock)

[@AbrahamDavid11323]

Yes exactly you're right but all thanks to Franca wellis ,I really appreciate her efforts and transparency..

[@AbrahamDavid11323]

I remember giving her my first savings $20000 and she opened a brokerage account for me it turned out to be the best thing that ever happened to me.

[@Jamesharrison77597]

This is a definition of God's unending provisions for his people. God remains faithful to his words. I receive this for my household.🙏🙏

[@RitaSarsh2452]

Please, I'm pretty new and feel I have much to learn, I would appreciate if you show me how to go about it.

[@DudeDude491]

Dave would say sell the car sell the Baby John would ask if the caller is safe

[@Prod1jbtc]

The problem is they wouldn’t even know how much they sold the baby for. They can’t math.

[@curiouscat3384]

Ken would say call all your friends and mother to give you rides to work and babysit

[@DudeDude491]

@@curiouscat3384 Hahaha. Ken wouldn’t say anything because he is still trying to decide what to get for Lunch 😂

[@RacleandRaHill]

my two fav Ramsey personalities!

[@ZaphineDodo]

Most rich people stay rich by spending like the poor and investing without stopping then most poor people stay poor by spending like the rich yet not investing like the rich but impressing them

[@MarieRandy438]

Exactly! My grandparents were so frugal but they had a TON of money on both sides. I remember my grandfather telling me "you want to make money while you sleep." And I guess that attitude passed down to my dad (RIP), because I remember going to his house one day and I had bought something I really liked, so I wanted to show it to him. So I said "Look at this! Isn't it cute? It was on sale...I saved 50%!" My dad replied "Well, if you're spending, you're not saving." Obviously I had no retort, and that has always stuck with me.

[@KaylaRussell77]

Saving and investing wisely while prioritizing necessities and a few small luxuries in relation to one's total assets is a great approach. It helps ensure financial stability and I my for the enjoyment of life's little pleasures without compromising long-term financial goals. It's all about finding a balance that works for you!

[@Juanw5ayne]

very true, a huge part of my portfolio growth has come during this bear market. I've been able to scale from $180K to $572K in a short period of time.

[@CharlotteAdam360]

How do you do that? I'm interested

[@Juanw5ayne]

Thanks to my co-worker (Alex) who suggested Ms Brenda Leigh Van.

[@LuanAchebe]

*Amazing video, you work for 40yrs to have $1M in your retirement, meanwhile some people are putting just $10K into trading from just few months ago and now they are multimillionaires*

[@Chriswright0]

Waking up every 14th of each month to $210,000 it’s a blessing to I and my family… Big gratitude to Angela Derle🙌

[@Bryanchopper]

Hello , I am very interested. As you know, there are tons of investments out there and without solid knowledge, I can't decide what is best. Can you explain further how you invest and earn?

[@TheresaMac_Arthur]

Same, I operate a wide- range of Investments with help from My Financial Adviser. My advice is to get a professional who will help you, plan and enhance your management skills. For the record, working with Angela Christine Derle, has been an amazing experience.

[@emmybrown4031]

YES!!! That's exactly her name (Angela Christine Derle) so many people have recommended highly about her and am just starting with her 😊from Brisbane Australia🇦🇺

[@HelenCynthia-xf8tp]

Hello how do you make such monthly?? I'm a born Christian and sometimes I feel so down 🤦‍♀️of myself because of low finance but I still believe in God

[@BuiltNutritionFitness]

Name a more iconic duo than broke people having kids

[@mustangthings]

There is no FDA approved aphrodisiac and conventional fertility treatments are a gamble at best, but being dirt poor basically guarantees a litter of kids.

[@jamestyler3698]

Broke people having kids do more for the country than rich people with no kids. Of course ideally, you'd have rich people with kids xD

[@jimmymcgill6778]

Most kids are not planned.

[@ykook7000]

​@@jimmymcgill6778that's the dumbest thing lve ever heard

[@jimmymcgill6778]

@@ykook7000 That's the truth. You don't like to hear the truth?

[@joshuakelly9743]

Jade handled that call well.

[@kwaghdoojasmine7549]

I'm favoured, $27K every week! I can now give back to the locals in my community and also support God's work and the church. God bless America.

[@HelenaAntson]

As a beginner what do I need to do? How can I invest, on which platform? If you know any please share.

[@MollyWilliam-kr2fo]

She is really a good investment advisor. I privileged to attend some of her seminars, that's how I started my crypto investment

[@MollyWilliams-yn7wj]

wow, it's so relaxing to see my Mentor speak here, I thought I'm the only one who knows Ms. Sonia, I think her good works speak for her now, she has built a good legacy for herself.

[@KarmaHarma]

Mrs Sonia Duke is gradually getting the recognition she rightly deserves. She's worked for it and this is only a testament of her good works for families

[@ErebyElleth]

I'm glad to write her today I do hope she will help me handle my paycheck properly☺️☺️☺️

[@untouchable360x]

"Putting the cart before the horse."

[@christinebutler7630]

What made them think this was a good time to pop out a kid????

[@blackworldtraveler3711]

Many here call this unnecessary type irresponsibility “sacrifice” when having kids.

[@brettrichards8332]

Life is unorganised chaos and baby on the way

[@SidsVlog]

In a nutshell the jeep girl is broke. This is not mocking girls who buy jeep. I don't understand why they buy such expensive vehicles? She is just one and I know at least a handful of them who are in debt just because of the jeep and why ? Because it's trending.... beyond my understanding!

[@gregtanner8501]

The problem is that she is not ready to change.

[@johndone8045]

Ok. So work truck for 35k is reasonable, a almost paid off mazda, thats fine, just why the hell theres another 25k jeep? 30k cc is a problem, 20k student loan isnt that bad tbh, they need 5 years to fix this

[@Emerica771]

if you start investing into a high yield savings account at 5% and you have a mortgage at 2.5% and your mortgage payment is 1000.00 and you invest 1000.00 a month into a high yield savings account.. That first month you would have paid about 300 in interest towards the mortgage meanwhile your 1000.00 in your high yield savings account made 50.00 dollars. The amount of interest paid in the first few years of the mortgage loan outweighs the amount of interest accrued in a high yield savings account. That's why the guy l initially responded to giving me 'simple math' left out the first 5 years of the 15 year mortgage. Don't try and insult my math when you simply can't comprehend simple math.

[@Emerica771]

I see you’re avoiding responding here and admitting you’re wrong.

[@johndone8045]

@@Emerica771 because your example is idiotic, u are comparing hysa vs mortgage, Thats dumb Putting 5% into hysa is pathetic, how about some funds for 10%+ and some crypto for like 50 -100%???

[@Emerica771]

@@johndone8045 it’s not putting 5% into a high yield savings account, it’s putting the monthly mortgage payment in the high yield savings account with a return rate of 5%. No wonder you don’t understand you really are just stupid.

[@Emerica771]

@@johndone8045 the entire comparison of this debate was whether or not it’s more beneficial to put money into a high yield savings account rather than paying off your mortgage early. Good lord you are a high school drop out no doubt.

[@Whiskerman]

These people go to school and they don’t know what their career will be. I have a new neighbor moved in next door. Wife is a nurse and husband is a plumber. Now that’s a real job. “Business communication leadership relationship degree” bluh bluh

[@brewsandbass5572]

Have they seen the price of trucks. A 35k truck could have rust and hundred thousand miles on it.

[@bun-n-cheese1290]

You can buy a 2019 transit van with 50K miles for 21K right now. Go up to 100K miles which are still great vans and you're in the 12K ballpark. They could have saved for 6 months , sold the Mazda and had one outright

[@squish2913]

Nobody wants a van when you need a truck. How are you going to tow a gooseneck trailer with a van man, how are you going to tow your back hoe or skidsteer with a van man

[@Josh-lp2ng]

@@squish2913for most tradespeople, a work van is much more practical. Less cool, but more practical. The exception of course being those who need a gooseneck but they are the minority of truck owners.

[@bun-n-cheese1290]

@@squish2913 he was doing his job with a Mazda sedan meaning he isn't towing anything. His wife admitted he didn't need the truck as well. Yall act like every general contractor needs to tow 10k regularly 🤦🏾‍♂️

[@squish2913]

@bun-n-cheese1290 she never stated it was a sedan, Mazda makes trucks as well, and maybe his business needs have grown or changed , I wouldn't accept the wife's info as fact, look at the mess she's helped create already

[@jimroscovius]

Stop. Borrowing. Money. Period.

[@gardenofe12]

Did I just hear right that they have 3 cars ??!! They just bought crap with no regards to the consequences ??!! It is now caught up with them and they’re up $hits creek without a paddle !!

[@davidfaughnan8780]

Give them a financial peace class and the entire leadership book

[@carmenross1077]

I guess saying we have business is nice to say to friends ,showing off the brand new truck,that seemed to be the trend. There’s no more of those starting with a junk truck or car and move on to progress after hardwork results even that has no guarantee.

[@donaldlyons17]

Well we need to be honest that many don't even know when they sell just about anything or receive payment for something.....they have taxes to pay.....

[@mathematician1234]

Oh no! I have listened to too many of these calls. When Mr. Kamel said "When is the baby due?" (6:54) I thought he said "What does the baby do?" That is, what is that baby doing for a living and how much money is it bringing in? Like the kid needs to start working OT or something.

[@joelmckaysmith]

Not a huge amount of empathy for the caller in this one guys.. Basically told her off

[@Fred1294]

They are an absolute financial mess. How are people this foolish.

[@deirdrekiely6187]

Brilliant plan to have a child when they're in catastrophic debt. Great move!!!

[@talyahr3302]

I agree with everything other than Jade saying the husband doesnt make enough on his business to qualify as a job. $5k a month is not bad for a slow month. He does need to make more though considering the taxes.

[@lancep.1251]

I think they should have more kids.

[@Chele-nm4qx]

I own a business- they are in no position to run a business! Those incomes are side hustles- they need to get a real job!

[@sebastianzx6r]

She won't finish college next year once that baby comes out.

[@sarahp8937]

Oh this one is infuriating

[@b7Hn4eX8yv4m]

Don't even know what you make on an average month... christ man. How do you not know... How can you possibly not know... Jade is great, call it out Jade, the world needs more of you.

[@drk221]

Sell the baby for 100k....problem fixed

[@scottrowsey292]

I wouldn’t get a Jeep with Reliability. Also wish Dave was on the show he would go crazy/nuts.

[@mtbokor1969]

what are the odds this person call back in a year and they are 200k in debt and she still doesnt know how much $$ she is paying herself?

[@bigt1114]

I stopped listening after the student loan debt...

[@annbaker2950]

I stopped on the IRS situation.

[@mistiinseattle]

$100k in debt, having a baby, her expensive car, and went in major debt for a truck. What are people thinking?? This is NUTS!! She doesn't even have a job!

[@miketheyunggod2534]

Living the one life you have.

[@stevenporter863]

​@@miketheyunggod2534... And calling a national show for help. The stress in her voice, no thanks.

[@fathead3381]

Yeah living. Or ensuring you work until you die.

[@ddubsr5886]

She’s fully qualified to work in congress so she has that as a career path

[@Bock728]

Selfishness and lack of self control

[@CarnivoreStork]

Did anyone hear the husband hang up the other landline when they were told to sell the truck? The immaturity level of these two is high

[@rafaelcardenas515]

Does anyone think they will sell their cars, get a job, pay their debts and stop using their credit cards?

[@BK12344]

So they have a shit tone of debt and decided to go ahead and have a baby, tht was a real smart thing to do. And why doesn’t she have a job. Not saying having debt shdnt be the reason for u to not have a kid but gotta be smarter.

[@stevenporter863]

Í clicked on this video for that exact reason. They are drowning in debt, don't pay taxes and decide to have a baby. People shouldn't have babies until they are student loan, etc. debt free or at least a real plan to get out from under. Otherwise the kid will just be an addition to the welfare society.

[@BK12344]

@@stevenporter863 EXACTLY

[@flightsnotfeelings5867]

My husband and I are in a similar boat: $100k in debt and going starting having kids soon HOWEVER, ours is mainly my student debt and my job is in STEM so I feel less bad now looking at them.

[@fastcars514]

No pull out game

[@flightsnotfeelings5867]

@@fastcars514 what was the point of this comment?

[@laurijohnson7754]

Wow! I’m just blown away they could keep getting credit! I’m guessing some was borrowed against the business

[@Darkpara1]

It doesn't surprise me. They'll throw credit at anyone as long as there's some kind of asset they can seize.

[@psyko0906]

America is straight up dumb with finances

[@wbexteriors9808]

@psyko0906 not all of us. I agree though, we have a spending problem in this country both privately and our government

[@ChrisFernaM]

Not all of us, we pay for everything cash, debt is slavery.

[@franceslopez8242]

Jade is the best!! She’s more la Dave!! 😊