Are We Bankrupt?

[@johnwilburn]

I like the term “dream deferred”. Not cancelled or shattered, but deferred….. maintains hope and focus.

[@miketheyunggod2534]

When you defer something, it's gone forever.

[@johnwilburn]

@@miketheyunggod2534 Do you advocate waiting for noting and swing the checkbook like a sword? A football team often defers kickoff to the second half. Deferred interest site isn’t gone forever. Please explain…. 🤔

[@AnimatedIdiotGuide]

@@miketheyunggod2534that is patently wrong

[@dustyroads3071]

You can't solve a problem while simultaneously creating it. Great comment from Jade.

[@MarkYeung1]

Her insight is amazing 👏

[@カギ]

well said and obviously very true

[@mybdayis420]

Amazing to me how ppl bring children into this world when they can bearly stand on their own two feet

[@creolelady182]

agreed

[@rsafree1139]

And 4 at that!

[@aolvaar8792]

Probably didn't make kids, standing.

[@derekspence7241]

No doubt!

[@tenzin3409]

Exactly

[@OhYeaMista]

Love when he said “if you put your kids in public school and get a job you can breathe”. The answer is so obvious and simple but people want to have their cake and eat it too.

[@Jenlovescoasters]

Most ppl are stupid.

[@melissadeannemol]

You can home school and work.

[@kevtaylor7296]

How?@@melissadeannemol

[@christinebutler7630]

@kevtaylor7296 parents work opposite shifts. Easy. Most of my neighbors have the mom working night shifts, homeschooling during the day. Some of the moms are Healthcare workers who can work Baylor shifts- 36 hours over a weekend, paid for 40 hours. Dad is on parent duty for the weekend. It's hard but it works, and it keeps the kids out of the worthless public schools.

[@gbear34]

Public schools are trash though.

[@katiegarcia8255]

I’m sure this advice was hard to hear, but was REALLY spot on. As someone in the mental health field, high paying jobs are rare. It will take her FOREVER to pay that loan back. And one thing people don’t think about it, even when you graduate, you’ve got at LEAST 2 years of low-wage work while you are working toward state licensure.

[@drn13355]

Agree. I am RN and in 2023 I made 140K (that includes some OT). I have bachelors in nursing .No student debt. I work with a SW and she has masters and owes tons and make 68K a year with no overtime. What I tell everyone is to RUN THE NUMBERS before taking out debt. Not saying don't do It, but have quantifiable data.

[@RhinoXpress]

Filing for bankruptcy isn't going to make your student loan debts go away. Their problem is they have all these wants but no money in the bank to fund them, which has caused them to rack up all the debt that they have. Live within your means, until you can afford to do other things. This is a mistake that could have been avoided on their part.

[@weinowei143]

She want to be a full time mother and full time college student? 4 kids and home school? And Husby only make 40k?

[@emclaire18]

Delusional. Husband needs to take charge of his household.

[@Alex-mj5dv]

Not even 40k!

[@michelejohnson6459]

Two mentally challenged people should never marry. 😮

[@derekspence7241]

😳

[@mjj8560]

That called be delusional and wanting it all

[@undecidedtoystore3003]

Bad decisions after bad decisions! Thank goodness for the hosts speaking some truth.

[@nickgarcia4988]

The fact that put education for a $50k-$70k job above their children being able to be in a better situation is absolutely irresponsible. Also an assistant manager at Mcdonalds makes more than $36k year! Playtime needs to be over! Grow up!!

[@karterestill]

Coders can make well over 6 figures. This guy got shafted. Also going to school for coding is kind of dumb as well. You can get your certs without a degree and be as qualified as a degree candidate, if not more.

[@John-du2mq]

I had to take c++ back then in school as a part of my program and I had a horrible teacher and learned nothing. I can't imagine doing it on my own. I think majority of people probably need some sort of instructor to walk them through the projects and guide their learning. So your solution is not realistic. It can be done but probably not by most people.

[@PyGorka]

​@@karterestillI agree. Getting a degree for coding is a huge waste of money but some people can't be motivated enough to learn on their own. I never recommend college for normal coding engineering.

[@timothygibney159]

Welcome to the real world kids pre Covid 😂! 40k is a great salary for someone with 0 experience. The difference is in 5 years the McDonald's manager might be making 60k. The coder will be making 85k. In 10 years THEN and ONLY then will he make 135k! You go to do the work and degrees and shit paying jobs is to get you in the door. Not getting you set up before you proved yourself

[@philliprogers2383]

If this woman is planning on home schooling her 4 kids, when in the hell is she going to be a clinical therapist? I have never heard of a 3rd shift therapist, but I guess that's possible haha. This woman and her husband are probably nice people although they are so beyond out of touch with reality.

[@djpuplex]

For clout and to waste money.

[@dnah02]

Never the kids are the excuse to say kids have me busy oh look the kids are 18 now but I am too old to get the brain in study mode.

[@ChachiTelevision1979]

By the time she gets to her practicum, she will be spread so thin that things will fall apart faster.

[@beckygeer6480]

Only 1 kid is old enough to go to school, so she should be working now if she wants to homeschool them later

[@ToastbackWhale]

“Homeschooling” these days just means letting them become illiterate.

[@chuckcash23]

A1! I love Jade's vernacular, she makes me feel like Ramsey solutions cares

[@anthonyfalco2462]

I clean sewer lines for a living which took no school and make 100,000 a year 😅

[@knockel18]

We and everyone else thank you sir. You deserve the pay.

[@aolvaar8792]

I made $100K/yr in 1980, with my engineering degree overseas. $48K for a new house and $8500 new Chevy Silverado

[@user-hd8ej8yx9p]

No one wants to do that so you deserve every penny 😊

[@JarettHerder]

@@aolvaar8792 and now you are a multi millionaire?

[@zakia514]

I remember these days when our children were young. I worked nights, and my husband worked days. Yes it was very tiring but while the children were asleep, I would take a nap and then wake up and do my homework. The sacrifice was challenging but well worth it. Now they are all adults and I have my Masters. It took me 10 years to get it!

[@robertmanley2687]

Good for you I'm proud of your achievement.

[@ClaxtonBay123]

30K? Either her husband lied about his degree or he isn’t really looking properly. A part-time highschooler makes that.

[@lot2196]

Agree. Somethings not adding up.

[@fauxbro1983]

In thier defense, they live in detroit michigan lol. Nobody making any money there. That town is dead

[@nerdobject5351]

He did a certificate or a coding boot camp. Companies hardly hire people from these. He’s not going to get a job as 6 figure coder. Not without an engineering degree.

[@alinatamashevich3354]

@@nerdobject5351 The market is saturated with these people

[@jimmymcgill6778]

He just graduated. It takes time to make the big bucks.

[@cyoohoos]

they should be at the median for their LOCATION. 67k in NYC is not the same as 67K in Americus, GA

[@williamlucero1349]

Great discussion! The truth is necessary!

[@JaydoggX1]

Have to be in a small town or something. Mcdonalds down the street from me in Phoenix has a banner saying starting at $17/hr. In N out burger is $20/hr. Which is more than he makes now.. My wife and I go yard sales on Saturdays and make an extra $2k month selling on ebay and that takes 10 hours a week of work

[@Shalyse1]

It said they were in Detroit

[@sakispsinakis]

I moved from Europe in 2011 and was making 65K plus 10K bonus plus 401K etc with almost free healthcare. I thought it was nothing back then. I just don’t get it how Americans nowadays accept jobs below 100K. I would move to Zimbabwe instead.

[@TansterRE]

I had student loans and filed for bankruptcy thinking that the debt will go away - it didn't and my wages were garnished. I racked up so much fees in late fees and interest that it almost became more than my loan itself. That fueled me to pay off my loans ASAP. It felt great too after I paid Sally May off.

[@GigaChad_169]

Congrats! How long ago was this that you filed for bankruptcy? I'm wondering if people over the past 10 years are still under the mistaken assumption that student loans can simply be discharged in BK. If so that's extremely disturbing.

[@TansterRE]

@@GigaChad_169 Thanks! I filed just over 10 years ago and it finally dropped off my credit report. I got a huge jump in my credit score. I learned the bad behavior from my mom who has maxed out her BK limits for filing. I sold my 55k car that I bought in 2022 for 26k and ended up with 7k in my pocket from CarMax. It feels great having no car, insurance, registration and maintenance payments. I work from home so I never really used the car. I only bought it because I got sucked into the view of, "you got to have a new car". My car payments were $680/month. When I put that amount in an interest calculator earning just 12% a year for 5 years, it made me upset at how much money I was losing.

[@JerseyDevilJerseyGirl]

THEY DIDNT GO AWAY?? Wtf? Do you filed for ch11 & you still had to deal with them??? 😮

[@handleyobusiness]

@@JerseyDevilJerseyGirl Any debt owed to government never gets discharged in bankruptcy.

[@aolvaar8792]

@@handleyobusiness Social Security overpayments can be wiped out in bankruptcy. After a bankruptcy filing, your current benefits are not subject to reduction on account of a prior overpayment. Income taxes for years more than three years before the bankruptcy filing are dischargeable.

[@shawnbradford2243]

$130k in debt to make a combined $60k, that’s terrible investment!

[@timothygibney159]

60k is a great salary for a first time job. Now since the economy is going back into recession young folks are seeing how reality is and should be 😎. You want 100k+ a year? Get +10 years experience first. Work your way up as the degree is only to start much later making big bucks

[@iloveamerica3917]

To make a COMBINED 60k

[@ambethk77]

​@@timothygibney159 household income, not starting salary.

[@CreativeProductions-]

@@timothygibney159did u not read the comment. He said combined not a one person making 60k

[@AnthonyGibson-b8l]

Jade is awesome. Love listening to her.

[@beaniemac]

She should not be in school. She's wasting money for a low paying degree

[@BaconMountainMan]

The student loans are the largest portion and those aren't going away.

[@donnapeterson1945]

Oh wow.... this brought back memories when we were first married over 30 years ago when we both wanted to go to school but needed to put it off until we were financially able to do so. I was able to be home with our son at the time, but instead of working during the day, I worked a few nights during the week and two weekends a month. My husband worked fulltime during the week. This worked for us for a couple years until my son went to school full-time. Then I went to community college, took a class here and there. It took me 12 years to complete a 2 year degree, LOL! But it's all good, did it with no debt paid for each class in cash. My husband completed his MBA part -time in the evenings and his employer paid for it, whoo hoo!! We learned money isn't everything, however, it is everything when it keeps you from the basics that stress you out on a daily, weekly and monthly basis. Then it can truly suck. Once you get out of that, it's much better and you never want to go back :)

[@scotland369]

Coding and software is a TRAP. New positions are being filled by experienced (6yrs+) engineers not someone out of boot camp. Also, there is a major shift of outsourcing where many positions are opening in low cost of living countries. Add in AI and it's over

[@philipgerry5228]

Having 4 kids before working on education makes life more difficult. Rearrange priorities to get debt free.

[@shanep2760]

4 kids, 3 of which she said were too young for school, they certainly didn't waste any time 😳

[@knockel18]

Dear God I hope he gets a vasectomy. They don't need any more kids.

[@beckygusmc]

If the husband attended a "coding bootcamp", the best place to start an IT career is with a consulting firm. It gets your foot in the door. That is how my career started many years ago and it still works today. Based on the salary quoted, my guess is that the husband is working for a small mom and pop shop or a startup.

[@youtubehandle-]

John is so good with this, love his advise. Good team, thank you. 😊

[@oceansky6207]

And he's hot

[@listerinr]

But is she safe?

[@katherinemccraney1045]

I AGREE 👍. JOHN and JADE are The Dynamic Duo on this Caller.

[@BrianaBudgets]

“You can’t breathe” and “I can’t breathe” are John’s favorite phrases.

[@nerdobject5351]

Did her husband go to “coding school” or did he get an engineering degree… I’m guessing he did a coding boot camp and quite frankly companies do not hire people with only coding boot camp experience.

[@Primitive_Code]

I'm sure what you said is true but a coding boot camp sounds much better than a 4 year comp sci degree and getting into a ton of debt. That field is always in demand so no degree at all will be ok, I know people who code and make a lot without any degree but have knowledge and experience.

[@weinowei143]

I have a feeling it is just boot camp... tech job is hard right now

[@eegernades]

They need projects if coming from a boot camp. For degree. Depends. Market is tough right now due to layoffs

[@princealmighty5391]

Why is that

[@steelcastle5616]

Regardless...this guy really needs a vasectomy! The last thing they need is a 5th kid in the mess they've made.

[@jeffyeager4045]

Jay's lucky shes married or I'd be going after her ❤😂 beautiful and smart

[@stevennovakovich2525]

I filed for bankruptcy several years ago. It barely affected me in the least. Have watched my spending since then and I do not use credit cards *unless* an emergency arises. My credit score, which really doesn't matter what it is, is back up in the 700s. Not a big deal. I *also* owe student loan debt of just under $10k. I'll have that paid off as soon as I can.

[@amireallythatgrumpy6508]

I'm sorry to hear you have a credit score

[@Batirtze-b6x]

That's a 360° right there!!!!

[@julierayfield8035]

So you just stole the money!

[@bravostreams8222]

Same

[@Rohammers]

Credit score is the way to go, good job.

[@jjukjkjiok7782]

Jade and John are my fav!

[@amireallythatgrumpy6508]

Call them "Jade and JD".

[@jjukjkjiok7782]

​@@amireallythatgrumpy6508 not quite but you almost are.

[@amireallythatgrumpy6508]

That makes no sense whatsoever.@@jjukjkjiok7782

[@Kysen10]

30k as software support, doubt it. Way too low. Edit: aiming for a masters in counselling with 80k debt already wracked up on that waste of paper 'degree' YIKES!

[@garvincrosby4349]

With the amount of money in student loans I can safely assume private college? Why aren't they doing a community college or something?

[@adamseidel9780]

She’s getting a masters in councilling, you can’t get that degree for $500 a credit at a community college. John is right, she needs to quit today.

[@garvincrosby4349]

@@adamseidel9780 I was about before in the undergraduate level.

[@GigaChad_169]

@@adamseidel9780 That degree doesn't pay well. $60-$80k salaries. Maybe for people who have their college paid for in cash, that might make sense. It doesn't make sense to borrow $130k (not including interest on the loans) to make that kind of money. Life isn't fair and taking out loans doesn't fix that, it just makes things worse.

[@adamseidel9780]

⁠@@GigaChad_169I agree… that’s why I wrote “John is right, she needs to quit today.” Did you misread?

[@JJJJ-he8bz]

What you have to do is go to a community college and dominate with a high gpa so that the 4 year school will give you an academic scholarship.

[@soccer3564]

in IT, you change jobs every year to 2 years to get a higher pay. College degrees mean nothing in the IT field with no experience.

[@350z1984]

Finally someone gets it!! Not even that, nowadays in IT, it’s not what you know but WHO you know.

[@adamseidel9780]

Well that took about two seconds to figure out what the problem is. She doesn’t work full time and is taking out big debt so she can continue to not work while homeschooling… why exactly? He’s only making $36,000 why exactly? I bet she’s only still in school because it defers repayment.

[@rory644]

She has 4 kids you numpty how do you expect her to work full time?

[@kyungshim6483]

Only take out a student loan if going to an Ivey League or Top 10 university. The rest should think really hard about mortgaging your entire life for a crappy degree that won't be recognized by any decent employer.

[@LotteryEnthusiast]

Not really true, but definitely don’t go to school if you’re not gonna give it your all. Plenty of great career paths you could go down with degrees from even the shittiest of colleges.

[@amireallythatgrumpy6508]

America only has colleges. No universities. By the way, all the decent employers can be found outside the USA

[@science4jeff]

that makes no sense. There is lots of demand for people with technical degrees from state schools (like where I went for Masters in Analytical Chemistry)

[@LotteryEnthusiast]

@@science4jeff Americans on the new wave of hating on debt have one thing all wrong and it’s their opinion of education. Education is the single most important thing in the world and having an educated population is what will make America great.

[@megalodon1726]

Borrowing for an Ivy League degree is a terrible idea. They cost over $70K/year unless you get a good aid package. If you're going to borrow, better to borrow $60K for a state school than $300K for Ivy League.

[@wyntyr_7096]

Federal Agency IT positions pay well and are almost always continuous open....

[@sheldon94666]

4 kids are too many for this income level.

[@kiki11974]

Agreed 100%

[@JJJJ-he8bz]

I’m freaking out over 25K in student loan debt

[@Ceeurin]

I’m was stressing out over 17k

[@KENTUCKYUSA1]

Good teamwork from these two.

[@GigaChad_169]

I'm fascinated by the fact that people are so casual about taking on LARGE DEBTS without any serious plan to manage the debt other than "I'll deal with it later". Case and point, the student loan debts. This woman is expecting to rack up $130,000 ($80k+50K, her numbers, probably more in reality). After interest on the loans her total payments will be north of $260,000 on those loans. All that just to make $60k to $80k per year...per a quick Google search on her career field. Sounds more like a hobby than a career. Hobbies are fine if you can pay for them. These folks cannot.

[@ItsMe-ko6sz]

Jade was confident in this one 👏

[@robloxvids2233]

1:02 Jade went out of her way to say ACCRUING. 😂 She got roasted for saying incruing the other day.

[@MegaLilJen]

incurring + accruing = incruing!! :)

[@Fishouta]

​@@MegaLilJenYeah. Jade-speak.

[@kiki11974]

Dr John said what needed to be said.

[@markg999]

You can barely afford one kid let alone 4.

[@DavidWilliams-vc2ms]

4 kids and 3 of them are too young for school? The daycare cost would be another burden on them if she tried to work full-time. Somebody needs to pause on having kids until more money is coming in.

[@michelejohnson6459]

Somebody needs a vasectomy 😅

[@oceansky6207]

John looking so fine today.

[@hvaball150]

Where in the Ramsey plan does it say pop out 4 kids with no career or significant income as a student. Wish the hosts would just say "sorry, you are not a candidate for the Ramsey plan". Period. Come back when you make 100k each.

[@oceansky6207]

These two look like rock stars.

[@arh1234]

John, Jade, and George were all aspiring musicians at one point - Ramsey personalities literally rock🎶

[@Ja50nkAt]

Combined they make a couple thousand more than just myself as a Fedex ground driver, no CDL just a standard drivers license! Also, I have no debt and my car is paid off.

[@summerforever6736]

Should have 3 more kids to help the situation!!

[@TSULLY210]

Two irresponsible people decided to have 4 children. Nice

[@kagnewcobra5228]

Living the dream!

[@princealmighty5391]

How is she irresponsible she studies counselling

[@penguin12902]

@@princealmighty5391 Going $50k in debt for a $70k salary when she has no intention of achieving the ROI is irresponsible. She homeschools. When is she going to use that degree? She's making $21k part time from home. Send the kids to public school and work full time and suddenly she's doing fine.

[@princealmighty5391]

@@penguin12902 you answered your own question

[@penguin12902]

@@princealmighty5391 not really, she needs a masters degree for a part time job? You know a lot of jobs that require a masters that can be done part time? Even if it all works perfectly, she maybe increases her salary by $10k a year...it'll take 10 years just to break even.

[@Manihsi]

“John advised of the reality and slapped to wake her up from lala land.”

[@f.w.1318]

The coder husband is going to work his way to that senior position in his coding career just to even get close to 100k, hate burst his bubble, company I work for was going to hire a software architect, that came from one of the big three tech giants in cloud computing, his starting pay was one third of what he was making when he was let go, also half of the software team I work with is based out of India, it’s the latest trend right now with all tech pull back since last year.

[@anttoronto3202]

4 kids means you go to work. School? Seriously.

[@warrensloan3467]

Guy makes less than 40K but has four children, stay off of your wife or invest in contraception.

[@catholicfaithofmine2664]

Or she can send the kiddos to school and go to work full time. She should be able to make decent money in her field. If education is a concern with her the field she's in should cover living expenses easily and her husband's income could cover cost of private education. Either way if both of them work full time they would have a decent income.

[@codyscorner1829]

he degree she want's doesn't go on the chopping block.. It get's paused for a little while until they are more stable and some money is saved. I started out as a data processor making 25K a year and now 15 years later I am a SQL Developer making above 100k. Like they said everything’s takes time, but DON'T give up on your collage degree if that is what you want. You will have to postpone it yes, but save that for a later time when you can dedicate your self to it more with out causing a lot of financial pressure. But that is just my advise from my own experiences that I have seen work for me and others I know. - Cody

[@Fishouta]

Wow, no offense, but it is scary if your sql skills are anything like your spelling.

[@codyscorner1829]

@@FishoutaReally, like everyone that post has perfect spelling. And yes, I have very good SQL skills and get paid very well for it. Am I the greatest speller, no but that does not directly translate into my SQL Development/DBA skills along with my other IT skills.

[@lilvic372]

Yall did good with Dr John D. He’s a wizard

[@blue-wb8yn]

Homeschooling and collecting degrees?

[@davidturk6170]

I want versus what I can afford.

[@seekingtheminimumlevel1830]

Opportunity cost. Everything has an opportunity cost. Decide what's most important to you and accept its opportunity cost.

[@user-mv9tt4st9k]

Beginning of the call I hear she is a "professional student," someone who may be staying in school in order to have or keep student loan repayment deferred. The student loans will survive a bankruptcy, and hers will take ten to twenty years to pay off. IT does not pay off as big as it used to (twenty five years ago, IT made bank), unless her husband hustles to find the right company and he has several years of experience over and above his degree.

[@Mjixa]

This is like one of those amazing ideas/ dream they want to pursue. In summary, they desperately need to build cash. Send the kids to public school. Husband need to make at least $50k on that degree and Kylie needs to double her income, ending at $100k. Stop the borrowing immediately and pay them off when the income goes up and use the Dave Ramsey plan to guide the rest. Evaluate your education/ degree based on your career path or lands. Don’t collect degreee for no reason, especially for debt.

[@donnaroberts4513]

Some of those degrees in social sciences don’t pay enough.

[@aightm8]

Very tough situation with four kids. I assume the husband's income will go up considerably once he has a years experienice

[@sblijheid]

He's clueless. A cyber security certificate would pay way more than his 36k. That amount is stupid. He's literally making minimum wage.

[@steelcastle5616]

He seems to be better at making babies than getting jobs.

[@Fishouta]

If he's good at it. Not everyone is good at it.

[@timothygibney159]

​​@@sblijheidNo sounds right! He is doing the right thing. I work in IT and cyber security represent 1/2 of my colleagues. We all have over 10 years experience with 1 being a manager. A cert means 45k a year at help desk. Welcome to the real world! You need 3 professional references and years of experience for the privilege to get out of help desk.

[@350z1984]

⁠@@timothygibney159 Actually you’re half right. Nowadays it depends on your location and who you know as well. I work in Cybersecurity as a SOC Analyst and make 6 figures. I moved up from help desk only after working there for 6 months. You don’t need years of experience to get outta help desk. They just hired a Malware Analyst at my company where he’s making 6 figures as well. He only did help desk for a year then worked his way up the ladder. Again, everyone has different paths to where they get IT.

[@frederickmorton275]

Is childcare free or at least very cheap in USA? I mean advice like:" go to work" when 3 out of 4 of her kids are not even a school age is a bit odd considering that childcare costs for 4 kids are likely to be more than what she could earn(in uk it would be approx £40k to £60k for 4 kids). Most mums in uk barely cover costs of the childcare while working. Unless you can get a real good salary( whigh in her case without a degree doesnt seem likely) stay at home with kids, save yourself a fortune by not laying childcare and let your husband find the best job he can get and worl st it as much as possible and u keep working part time as well

[@alannaalbritton381]

Truth be told they make so little for their family size the gov would pay for their daycare. They are poor in America

[@Fishouta]

They gave the advice of "go to work" before the caller told them 3 of the kids were not school age yet.

[@ChrisBoulas]

They were busier working in the bedroom than at their actual jobs

[@user-mv9tt4st9k]

😂😂😂

[@Overlord277]

What's it like being a champion on the internet and yet so lonely at the same time?

[@untouchable360x]

Sacrifices are never easy or it is no true sacrifice.

[@TheTopherocks]

Will still have to pay the student loans with a bankruptcy. Just have to work more for a little while.

[@Vencarter]

Damn, what a good episode

[@ryanl3812]

57k combined with 4 kids? That should be illegal. Absolute madness.

[@rebeccamcbride1519]

“Should be illegal” ??? As in the government monitoring how many kids someone is allowed to have?!?! You’re disgusting!! 🤬

[@chrisforker7487]

What about a house, apartment, cars? Something has to change, immediately!

[@traderzzz123]

Lesson learned: dont be selfish to get kids, EVEN FOUR, when not financially ready

[@cherylsoderstrom7391]

Almost overtime I listen to one of these stories it starts with student loans. Like the one person commented he makes 100gs cleaning septic lines. No college debt. Maybe forget college until you can pay cash?

[@ocabj]

My complaint about people who want to go into 'coding' is the fact they refer to programming and software development as 'coding'. Learn how to design and write software and applications, not how to code.

[@timothygibney159]

If the caller is reading these comments i will remind her it takes years to get a 6 fig job. I also work IT and had to start hekp desk. Then unstable contract work well under average for years. Until you have 5 years experience and 3 professional references you have to suck it up! Your husband isn't a failure. He is just running lap 1 with 4 to go before the finish line. Get a 2nd job. My marriage ended when i started my career. Now i make the dough and its a process

[@umgazel4785]

As a teacher with a masters who has worked as a certified teacher for 7 years, I still don’t make the average median income.

[@johndone8045]

4 kids making under 60k a year Sell the kids They are hopeless

[@Fishouta]

How do you get behind on food? Food are not bills.

[@jamiehush]

“When I hear what the coders are bringing in this building it made me want to go to coding school” 😂😂😂😂

[@mistyosborne8389]

Jade is awesome

[@joeriveracomedy]

Not all codemonkeys are coded equally

[@shaneferguson8450]

Why do people who make little money have 4 kids?

[@befree9579]

kids isn't the problem.... its their debt and not budgeting of a 50k income.

[@shaneferguson8450]

@@befree9579 kids are very expensive. Shouldn’t be having 4 kids if you only make 50k.

[@teychancellor8756]

I don't mean to sound insensitive, but why do people who can't afford 1 kid have 2 and 3 and 4...??? This caller and her husband created this problem and it's theirs to deal with. Of course give the advice but I guarantee they won't do any of what they told them to.

[@James_Hough]

Tough talk- don't take out big loans unless the degree will make you way more than enough to pay it off relatively quickly. Therefore, if you are going to take out loans, a counselor had better not take out the same size loans as a doctor, lawyer or petroleum engineer. Who cares about a dream. Live in reality.

[@johnanderson8385]

john looking buff in that black shirt...not gonna lie...

[@jeffpadilla9891]

He needs to apply with the government, log onto USAjobs and start searching I see hundreds of jobs in that field and many are remote positions.

[@rebeccaoprea9917]

She needs to focus on her kids. Work to live not work to go to go in debt. They’re digging their own graves and expect others to save them.

[@Stil1_loading]

They are alittle out of the loop. You don’t just go to it and earn big bucks experience helps the most

[@TheLifeOfaBichon]

I used to go to a mental health counsler. He said the money isn't in his industry anymore.

[@Resolve_DigitalMedia]

I work in automation development for cybersecurity. This guy needs to find a different job. If he has some form of IT background and some experience in coding, he can EASILY make over 70k no questions asked. There’s jobs out there, just gotta hunt through the weeds and noise to find them

[@sarahshealthyrecipes]

Got to make the sacrifice. We have four kids and homeschool and my husband is in it finishing his degree so right now I'm watching a couple extra kids for more income and it's a sacrifice and I'm tired but it'll be worth it in the end❤

[@caezar044]

These no name for-profit school degrees from places like university of Phoenix are worthless. Sounds like her husband got some generic IT degree from some for profit school, and she’s probably doing the same

[@jhuntley]

I don't love the idea of telling someone who did their time at school, to stop and go work at McDonalds. Sure maybe get a side gig or two but in the long run, the degree in coding or IT will pay off. You have to put some time in to get those higher paying jobs. For the family, take advantage of food banks & pantries. There's avenues out there to assist, depending on the children's ages go sign up for WIC. That will at least take some pressure off. For most people, it's about staying above water.

[@crusherven]

McDonalds actually has pretty good promotion opportunities, from what I hear. Maybe that's changed in recent years, though. He also doesn't have a degree; he has a cert from a boot camp. It's better than nothing, but lots of tech companies are doing layoffs right now so it's a rough time to enter the field even with an actual degree.

[@rickcurtis8319]

3 kids that are little. They can’t afford daycare for 3 kids.

[@hollyb6885]

“I home school” is a euphemism for “I don’t want to work full time.”

[@emmawainwright5527]

Totally!

[@princealmighty5391]

Home schooling is better than normal schooling to avoid bullies

[@hollyb6885]

@@princealmighty5391 Not when you can’t afford it. Just keep the line of communication open with your kids so you know if anything is wrong at school.

[@princealmighty5391]

@@hollyb6885 how can't you afford home schooling just hire tutors

[@princealmighty5391]

@@hollyb6885 how old are you btw

[@jking5772]

No way an IT guy is getting paid 30,000 a year. And her degree is pretty worthless as well. Some people are so gullible.

[@John-du2mq]

She shouldn't have gone back to school. With 4 kids and the bills you have you can't afford it. There was a reason only wealthy people attended college back before these predatory loans came about.