I Don’t Make Enough To Get Out of Debt

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[@AmitKumar-tk5vm]

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 *Dale Valskov* and a 15x on polygon are fair considering how much those two coins are interwov

[@vladiatorfilms4329]

Excuse after excuse. These people are going to stay in debt with this level of accountability.

[@Polo22546]

Yup.

[@PinkieJoJo]

Yes. 100%. And her explanations of why he doesn’t get full pay is ridiculous at most.

[@alinatamashevich3354]

@@PinkieJoJo Sounds like the company is tired of slackers, so this is the policy they have.

[@melslife89]

Yes exactly.. sounds like he keeps missing work.

[@penguin12902]

$2000 car repair..."that's 3 months worth of car payments." That was too expensive, so they chose 60 months of truck payments instead. Brilliant!

[@raymond_sycamore]

less number bettahhh

[@bvoyelr]

Yeah, but if the car keeps needing repairs, then you've just got a different kind of car payment, PLUS the time you're spending without your car.

[@jimroscovius]

@@bvoyelr I've bought good used cars for $10k. You don't have to spend $23k.

[@penguin12902]

@@bvoyelr There's no way it's costing them $8k a year in repairs. If they can afford $660 a month in car payments, they can afford to bank that for their emergency fund....and the repair would be a non-issue.

[@blake3606]

Amazing

[@ss-be1hx]

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 *Dale Valskov*

[@jerimorgan4114]

They need to budget as if he never gets the attendance bonus. Then they will see that the truck payment is too large, they need to sell it and get something more reasonable. And when he does get the bonus, it should go 100% to debt pay off or to rebuild the emergency fund.

[@jimroscovius]

That's a great plan!! But they won't do it.

[@Sinful_Survivor]

He should be going to work every day lol like literally 20$ a hour is decent but 15$ a hour is too low

[@Excalibur2]

They'd be better off looking for new work, they don't make enough to get by comfortably without that bonus.

[@jerimorgan4114]

@@Excalibur2 Agreed!

[@brookiegremlin6660]

@@jimroscovius I can't stand it when people say they can't make out a budget due to a fluctuating income. You know your income fluctuates, so the variations are entirely predictable. When you create your plan, account for the fluctuations. And then she threw in the "we live in a small town" at the end, it's like excuse bingo

[@KapilRawat-r2b]

The efficiency of this *Dale Valskov* 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 !!

[@Miggy2222]

How do you get out of debt? Stop going into debt like financing a $26k truck.

[@देवावेलनेससेंटर]

My heart goes to the entire community for *Dale Valskov* 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

[@gourabadhikari8043]

Might wanna get on the *Dale Valskov* train, the proprietary nature of it deters me as a crypto enthusiast but also interests me as an investor

[@UmeshogarUmeshogar]

I did not believe that after the whole FTX drama there's any good to get this year but *Dale Valskov* 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

[@SPFFEDITS]

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 *Dale Valskov* Thanks for keeping us informed during this times of doubt?

[@ravinderpal5006]

I'm literally overwhelmed, You are a blessing to the world. I can't thank you enough *Dale Valskov* 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.

[@AtoZvlog124]

*Dale Valskov* has the most potential to do more than X10. ETH and BTC will most likely do a X5-X6, but that's fine for me. Gotta look for better entry points while I stake IRIS and PGEN, then wait for Polygen's next raise as I also look at their new partnership with Kenzo Ventures

[@Grip05]

As a person and professional you couldn't get any better than *Dale Valskov* he is a very reliable person and an excellent professional in the IT field. He is the type of person you want to work that's passionate, hardworking and knowledgeable. You’re The Best 100%

[@Mukeshbhilala-ty1sy]

Can't deny the fact that *Dale Valskov* 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.

[@Scottsmusiccave]

Broke people getting $600 car payments thinking that's going to make them feel better. These are the people I see driving around in their fancy cars and think "wow there goes some successful people" while I'm driving my 20 year old paid off car with a bunch of money in the bank.

[@mikezerker6925]

They’re the same ones sitting in their nice cars sipping on their lattes from Starbucks crying for the government to forgive their loans! 🤦‍♂️

[@bryandelcid4065]

Paid off car doesn’t have to be 20 years old either. 😂. Quit being cheap.

[@KathleenMcNe]

I knew a couple who appeared well-off. They had a new, large custom home on lakeview acreage; expensive vehicles; and an expensive boat. As it turns out, all of these things were leveraged. Their exaggerated lifestyle eventually caught up to them and they lost everything. They had over-bought and were financed to the hilt.

[@iamme7664]

I’d rather live in a small apartment with a huge savings account instead of living in a mansion with loads of debts. I like to sleep good at night 😂 I don’t care if people think I’m broke. Let them 😇

[@donaldlyons17]

@@iamme7664 Well but much of that depends on the income and the cost of the place to live....

[@MindsetMastery148]

“I did financial peace university when I was 14 but we’re still on step 1” this killed me😂😂

[@chrisschulze8081]

Maybe she’s 15…lol

[@curiouscat3384]

Funny things happen to the brain when you marry a young less responsible person and start cranking out kids before you're financially strong

[@PinkieJoJo]

And I’m pretty sure she said she does it every two years. If you have to do it that many times and can’t get past step 1, you are obviously never going to learn no matter how many times ya take it.

[@MrTmenzo]

Sad

[@katiewillis199]

She also used a “flat tire” as one of the reasons they wiped out their savings account. There’s more missing from this story than missing from his paycheck. Lol

[@DJohnson-od6oj]

You didn’t need a truck. You needed a reliable car.

[@analyticalchick3064]

They should be sharing a car. It sounds like they each have their own.

[@mikezerker6925]

Exactly! They could have gotten a reliable used Corolla for under 10k

[@aplden570]

True! Source: I have a reliable used Corolla that I got for under $10k.

[@Primitive_Code]

@@aplden570 A reliable Ford Fiesta is better.

[@katiewillis199]

I agree, like why do you need that nice of a vehicle when you drive for ups? I’m guessing that truck sits in the driveway 80% of the time anyway.

[@aakashchanda8854]

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

[@businessacc179]

Sell the truck and show up to work.

[@markroberts8975]

I’m trying to imagine having a job where they double my pay if I just show up. I’d show up early for that job every day, even on my days off.

[@GAFB1122]

I can't help but look at people standing in line for 60 to 90 minutes at Texas Roadhouse on Friday night and wondering how many are this family. How many are in debt and should not be eating out but they are so foolish and irresponsible and they don't care so they eat out anyway.

[@mikezerker6925]

I literally work with someone like this… she and her husband have to go to Disney with the family every year even though her husband makes minimum wage and she doesn’t make much more than him! Also they have 4 kids!! I’ve spoken to her multiple times about DR and the baby steps but her response is essentially “YOLO”

[@danieljohnson4418]

Wow, aren't you a pompous person. You must suffer from chronic cervical pain from having your nose constantly positioned upwards in the air.

[@GAFB1122]

@@mikezerker6925 Lead a horse to water but can't make them drink. I feel bad for people who TRY and do everything right and due to low income or other circumstances they struggle. I hope they get help. But your co-worker would not be one of these individuals. I guess another way to say my thoughts on the subject is... I feel bad when bad things happen to good people BUT I don't feel bad when bad things happen to bad people. Your co-worker may not be bad, but she is ignorant.

[@mikezerker6925]

@@GAFB1122 I found out about DR through another coworker back in 2016 while in deep debt… I took his baby steps to heart and dug myself out and was debt free by 2020. Therefore I feel if I could do it, anyone can… it’s so simple! I’ve been telling friends/family/coworkers about DR since. In better news I do have some other coworkers and friends that HAVE listened and are now on their journey to become debt free!

[@katiewillis199]

@@mikezerker6925I guarantee you they pay for Disney using their “tax refund money.” I worked for a CPA office for years and the amount of times I saw families coming in the first day possible to file their income tax return and getting back over $10k every single year due to multiple children and earned income credits. It would blow your mind. It was always already spent in their heads before the tax return was even submitted to the IRS.

[@tate6809]

"Anytime a guy says he had to buy a truck he is lying" LOL finally some solid and simple reality truth from George! (I'm a guy and I have two trucks, so I know how it really is)

[@GAFB1122]

I saw a real self employed blue collar business owner driving a truck the other day. It was dinged up, paint all over it, etc. And my first thought was, there is someone who uses the truck for work and not to show others and say look at me to make himself feel good.

[@reese85]

Don’t ppl sometimes call SUV’s trucks? I mean cuz they have two kids, so maybe he got an suv to fit the family comfortably 🤷🏽‍♂️

[@GAFB1122]

​​@@reese85Nope. I have never heard of someone referring to an SUV as a truck or vice versa. But I have known a whole lots of people typically men who insist they need a truck and an expensive truck at that.

[@reese85]

@@GAFB1122 I just looked it up. SUV’s are classified as trucks and I’m almost positive. I called big suvs like escalates, trucks.

[@Shopgirl1]

@@GAFB1122exactly….i drive a 1997 truck that was owned by our city workers, lol…good work truck

[@Themoomabides]

George’s face 0:53 realizing people make $1600 a month as a full time salary. Priceless.

[@reese85]

There’s no way that’s a full time income

[@janise01]

​@@reese85 It can be. That'd be $10/hour or about $12 if the $1600 was net. She definitely needs a new job if she's working for UPS at those rates though. I don't even know what jobs they'd have for that low of pay. I guess maybe customer service or something.

[@reese85]

@@janise01 damn! You right

[@janise01]

@@reese85 Yeah, I had to do some quick math in my head b/c I thought it sounded low too. Putting my accounting degree to good use on KZbin LOL. Although she did say she was PT so if that means 20 hours or so as opposed to just under 40 (ex. works 37 hours) then the hourly rate is closer to $20 and she just needs to work more hours. If it's closer to 40 but a bit under then the hourly rate would be closer to $10 but it's just stupid to give up FT benefits over a couple hours. So either way she needs to be punching in the time card more often.

[@leewashaleski7719]

She said part time​@@janise01

[@hithere8140]

Something tells me hes missing more days than he should.

[@mle011]

If this guy isn’t getting the attendance bonus regularly, I call BS on his work ethic. There should only be extenuating circumstances where he has to call out. I’ve only called out once in my 10+ years of working full-time, and that’s when I tested positive for COVID. He doesn’t even have the excuse that his kid is sick and has to stay home from daycare, or daycare is closed on a holiday, because he and his wife don’t use daycare, so that shouldn’t be a problem. I don’t see why he isn’t making that $4k/month 10-11 months out of the year.

[@Seromontis]

For those not mathematically inclined, 5 is 33% of 15. So there's no doubling or halving of paychecks. She's exaggerating or not understanding the situation.

[@lot2196]

I'm going with the not understanding.

[@GAFB1122]

I suspect there is more going on with his pay than she is stating.

[@djpuplex]

yeah I heard that too, she also had a bunch of excuses

[@thomasdalton1508]

​@@lot2196 She's not understanding much. Financial illiteracy is often a part of people being in financial difficulties.

[@loriej9297]

And she's fudging on how often he misses work.

[@kendrapratt2098]

Done FPU every two years since 14, but went $23k in debt for a truck???

[@unfairsanic5089]

And making 67k a year, ill understand if they are making 90-100k so they can knock that truck debt

[@curiouscat3384]

SHE did FPU and her HUSBAND bought the truck against her wishes. Give her a break.

[@jimroscovius]

It's called working more and spending less. It's not that hard.

[@autumnjerene]

The worst mistake that almost everyone is guilty of is rationalizing a bigger than necessary purchase. We want it, so we convince ourselves we need it.

[@mph5896]

I bought a truck, It was $2500. I did put $1k in parts into it to get it 100%, but its still a fully functional truck.

[@lizr5287]

$2,300 in debt, this is not that hard

[@littlesongbird1]

Yeah. I mean they just find a way to come up with $200 a month they can pay that in a year (can she baby sit in her home part time when she's home with her kids?

[@crystalsnow1138]

They are 27,000 dollars in debt.

[@marcenelj]

$2300 in cc debt but $27k total.

[@PersnameLastname]

Pay attention, their debt is not $2,300.

[@NaazimBanks]

It’s hard when you weren’t raised or taught the right things in time, (I’m debt free but understand)

[@dclements]

Something sounds iffy with the attendance bonus issue. She did mention it was biweekly but only sited one instance that he missed work and then she stayed on that. That would have effected 1 paycheck but not future pays if I'm understanding correctly. It's possible he is missing more work than she is leading on in which case he needs to fix that. Otherwise, John was right there are other places to work and he should start looking for a job where the income doesn't have such a wide fluctuation.

[@daniellegoodman376]

People get sick.

[@alinatamashevich3354]

@@daniellegoodman376 Like coming down with a "math" test sick?

[@TheDjcarter1966]

So beside ONE TIME trip to the ER would you EVER not be at work. If im vomiting all over eveyone im still gonna be there if it means half my check....HOW IS HE EVERY NOT THERE??

[@DDDD-of3hv]

i'm broke and we keep having kids.... what could possibly go wrong nice dad..... not having a great job to support his wife and kids..... unreal..... sad that we foster this in our society

[@Big-Government-Is-The-Problem]

its sub-optimal but id rather poor americans have kids than importing 3rd worlders because our birth rates are too low. you have to think big picture, the story of america and every country is poor people having kids, if we wait until we have a 1m networth to have kids, only 3% or so of people would have kids. not long ago the average age of a mother was 18, meaning half were under 18, and ofc many families had like 10 kids living in a dirt floor house with no rooms, just a studio style place basically, with an outhouse.

[@Rashaadthegr8]

Back in the bible times they made their own idols. Now the people that make most people's idol are Toyota, Chevy, Ford, GM, etc.

[@anniehope8651]

If this guy bought a Toyota earlier he wouldn't have needed a new truck.

[@jimmymcgill6778]

When I worked at united prison system, in NJ, 15 years ago. Every shift was 4-5 hours. And everything over 5 hours a day, you got paid OT. Both of them do that, that's an extra 4.5k a month. In the trucks in 100+ degree heat, I hated that part.

[@jimmymcgill6778]

@generatednoise3464 That's when I quit.

[@alinatamashevich3354]

That explains your piss poor attitude, you were/are conditioned to exert force and or your will onto other people.

[@Lilyzoe28]

Losing the full value of my truck's worth as a plaintiff v. an employee (defendant) affected my business in 2022. Getting involved in a scheme that got me $35,000 monthly was my only saving grace. It saved my business

[@Markbrandon-12]

That’s really interesting 🧐

[@Markbrandon-12]

But how do you earn that much monthly?

[@Lilyzoe28]

Big thanks to Renee Marie Harrison

[@Lilyzoe28]

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

[@Lilyzoe28]

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

[@jasonrodgers9063]

I recently retired from being a public school bus driver. We were paid an additional $6/hour attendance bonus each 2 weeks on the same terms that the caller described. Yes, it sucks to lose the bonus for dealing with a family emergency, but if they made exceptions I GUARANTEE you there would be employees claiming "this emergency, that emergency" all over the place. It would wind up being very ugly. The employees that never missed work would end up feeling like suckers if they didn't do the same, and eventually the bonus would become meaningless, just a "line item" that's de-facto regular pay. I once had a distracted speeding driver "T-Bone" my bus, resulting in her death(!). My higher-ups ORDERED me not to come back for a day & a half (even though I WANTED to work) because they were worried that I would be so stressed by it that I wouldn't be safe to drive. I lost my attendance bonus that pay period. I probably could have fought it via my union, but if I did, I know it would be a "win a battle, lose the war" situation, as they have MANY ways to make a driver's life really miserable if they want to!

[@katiewillis199]

She said they paid his out every 2 weeks as well but it sounded like he almost never got it so the question is why are you missing at least one day of work every 2 weeks and still have a job at all?

[@LukeC908]

Man, that attendance bonus is kind of genius.

[@chrisschulze8081]

Pay minimum wage and offer bonus for 100% attendance….my guys would never get that bonus…seems like a great idea

[@LukeC908]

@@chrisschulze8081 I recall some years ago that Amazon did something similar during the holiday season. I don’t think it was minimum wage, but they had pretty nice attendance bonuses. Seems like a smart idea if attendance is a big issue. Personally, I would prefer sick employees NOT come to work.

[@curiouscat3384]

Genius? More like the definition of greed without regard for human life. Corporations and the rich will always find a way to screw the little guy and get free labor.

[@charlieodom9107]

It is an absolutely brilliant idea. I know of employers in my town that give $5/hr not only for attendance, but tardiness as well. So, show up AND on time, get an extra 5 bucks an hour for the week.

[@bryandelcid4065]

It sounds like a bunch of excuses of why they can’t work more. One of them can get two jobs and honestly be in a much better situation.!

[@Joelewis148]

Our economy struggling with uncertainties, housing issues, foreclosures, global fluctuations, and pandemic aftermath, causing instability. Rising inflation, sluggish growth, and trade disruptions need urgent attention from all sectors to restore stability and stimulate growth.

[@masaakiinomata2758]

With the US dollar losing value to inflation and other currencies gaining traction, uncertainty looms. Yet, many still trust in the Dollar's perceived safety. Worried about my $420,000 retirement savings losing value, I seek alternative security for my money.

[@leonardives1991]

With my demanding job, I lack time for investment analysis. For seven years, a fiduciary has managed my portfolio, adapting to market conditions, enabling successful navigation and informed decisions. Consider a similar approach.

[@Elina_H]

this is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? i'm in dire need of proper portfolio allocation

[@leonardives1991]

Jennafer Beaver Turner is the licensed advisor I use. Just research the name. You'd find necessary details to work with to set up an appointment

[@Elina_H]

Thanks, I looked her up on Google and was very impressed by her credentials. I reached out because I need all the help I can get. I've scheduled a phone call with her.

[@donjohnson1416]

Just like 99.71558% of callers. Excuse after excuse then wonder why they cant get out.

[@NeoAndersonReloaded]

Its crazy i make over 200k and brought a 10k honda accord. Easy to work on. Guess thats why im not broke. Delayed gradifaction

[@nohero178]

Cool fantasy. No one who makes $200k a year feels the need to brag about it on KZbin. Also, nice spelling lol.

[@joelmartinez2278]

If he show's up for work? It's an option?? You owe on a student load that helped you get a job at UPS? Husband needs a better job, a $27K job is not an expensive vehicle...compared to the prices of other vehicles, especially with 2 kids.

[@jimmymcgill6778]

Sometimes things happen. People get sick. Accidents happens.

[@leewashaleski7719]

I agree w Jimmy plus they have 2 kids

[@anniegreen9966]

He gets a $5/hour attendance bonus, but his pay is cut by 50% if he misses a day? That doesn't add up. Also, why is he missing a day of work every two weeks?

[@eunicemeekins]

Yup The cut in 1/2 part I didn’t get

[@mathematician1234]

I did not understand how a $5 per hour bonus taken away could halve the paycheck. Did I mishear/misunderstand? Can anyone explain?

[@garrett21]

And to think most people show up to work for nothing extra. How lazy do you have to be to lose half a paycheck?

[@kvgolfa]

What is the point of these calls? Is the answer ever not common sense and first grade math lol

[@GAFB1122]

🤣🤣🤣 If common sense was common then less people would be drowning in debt. Maybe it's easy for you but clearly it's not easy or common sense to others!

[@kvgolfa]

@@GAFB1122 of course, but I'm saying if they're aware enough of it to watch Ramsey and call in, they should also know the answer

[@BREEZYM6015]

I make $3,600 a month after taxes and only work four days a week. I also live alone and have no debt other than my mortgage.

[@leewashaleski7719]

That's $900 weekly. Most people don't make good money like that.

[@Shortballa11]

Use to be my life, but then I got married lol

[@robertalvarez8689]

Would you like a cookie?

[@CarnivoreStork]

She’s been through financial peace university for TEN YEARS! They just don’t follow it. Should I go into debt for $23,000 truck? Or use my emergency funds for $2300 to repair my car? 🤦🏻‍♀️

[@Blittsplitt5]

LMAO ikr

[@CM-cy3qo]

How do i pay off debt (without paying off our debt)

[@prateekagraw]

Going in to any amount of student loan debt and not studying/working hard enough to land a decent salary is insanity.

[@JonathanIvy221]

This family can’t pay off $2,300 in CC debt. Let this be a reminder that the average Americans live PAYCHECK TO PAYCHECK.

[@mikezerker6925]

The only time I called in sick in the 11 years that I’ve been at my job was when I was experiencing chest pains at home, went to the ER and found out I had blockages around my heart. I called my job from my hospital room to tell them that I wouldn’t be in that day.

[@kasession]

I work in IT. I heard a story about a vendor who was having a heart attack in our data center while fixing an issue. I'm not recommending this, but he fixed our issue before asking for an ambulance.

[@lonnieswag100]

How come people who are broke never get like 10k or less car loans? They always talk about “I had to” or whatever cuz they didn’t have any money and then proceed to say their car loans are 20k+ and that always baffles me. Like no you did not HAVE to get THAT car loan.

[@megalodon1726]

They're broke so they get a nice car so they can feel like they're not broke when they're driving it. Too bad they forgot about the other 23 hours of the day when they're not driving it.

[@donaldlyons17]

Well car places don't want to sell cars with no car loan..... They might get a bonus from the bank when making the loan so it is literally in their worst interest to sell cars with no loan unless that person does not have a job but somehow has the cash.

[@lonnieswag100]

@@donaldlyons17 you can’t get a car loan for 10k? Is that impossible or something? Lol

[@donaldlyons17]

@@lonnieswag100 Well but getting a good car at a dealership for 10K? Dude I live in a place with likely 500K people less than 1 hour from each other and dealerships did not even have 10K vehicles lots when I went. So yeah a 10K loan for a car can't cover a car sold at higher than 10K.

[@lonnieswag100]

@@donaldlyons17 you can get a car loan from a credit union for even less than that and do a private sale. Why do people act like you can only buy cars from dealerships?

[@SubutaiKai]

"One thing after another" always comes out of a broke person's mouth. It's never one thing after another when you got a emergency fund.

[@russlea6383]

When did Dallas become a small town?

[@TheKalbo789]

Dallas is pretty much a small village bro , do your research 😂

[@MisterNightfish]

At no point have I "had to" buy a 25k car that I couldn't afford. It's so weird.

[@SubutaiKai]

It's hilarious hearing the same excuses come out of someone else's mouth. We get a flat tire, we needed to do this, we needed to do that, etc...

[@NickFromLongIsland]

Idk how certain types of people have this mindset… i pay 2k extra a month to my mortgage principal, and sit there and debate with myself if i should cut cable so i can throw even more money at it lol

[@GAFB1122]

I hear what you're saying and agree but I'll go without food before tv, lol. TV is what keeps me from going bat 💩 crazy 🤪

[@NickFromLongIsland]

@@GAFB1122 yea i hear ya lol i love tv

[@johndone8045]

They are poverty level income with 2 kids, dont have kids when u are broke

[@papabeard7705]

I don’t want to dig into the situation, but why don’t husband just go find a job that actually pays consistent whether you show up or not seems to be the biggest problem

[@eile4219]

it's not that easy to find a better job in a small town.

[@symlexbrn5396]

Where there's such trucks you definitely know there's also cable TV, Netflix, amazon prime and an unused gym membership

[@morgenglende-michalski369]

Sounds like two irresponsible people. How tf does a dual income home not survive off of this income? And only $2300? These people need to just work lmao

[@littlevuggey93]

Work 3 jobs. Live in a 1 bedroom. It doesn't matter if it's in the ghetto. You can always make it cozy amd it's only temporary.

[@Secede]

I wouldn't volunteer to live where I need to sleep with a gun under my pillow. No ghetto unless there's no other way.

[@queen.kristal8395]

she is not making enough money she needs to get another job or learn a skill to make more. if something happens to her husband she is screwed

[@tubenachos]

😂😂😂 the title conflicts what she's trying to accomplish 😂 some people deserve to stay broke

[@kcyberpunk]

Money kills relationships.

[@drfattie]

I’d like to know why you two had two kids when your income was so low.

[@Ja50nkAt]

He just needs to stay at work for a few months.

[@eurekahope5310]

The income story regarding an absence sounds strange. They can't pay less than minimum wage and her low end month estimate is less than minimum wage.

[@janise01]

No it isn't. TX min wage is $7.25

[@leewashaleski7719]

She is pt time

[@leewashaleski7719]

Taxes n poss 😊Union dues

[@eurekahope5310]

@@leewashaleski7719 But he is full time (or should be). The variable income in his job doesn't make sense.

[@eurekahope5310]

@@janise01 I could certainly be wrong, but why is an adult working a minimum wage job? I have never earned only minimum wage, even when I began my first paycheck job at 17. In fact, my first job payed $8.25, and that was more than two decades ago.

[@eniak00]

To be honest, many small town employers are horrible businesses to work for in many ways. They talk about family and looking after their people but will fire people for petty things and essentially own the people that work for them.

[@GAFB1122]

That's the American Way!! There is no honor, no decency, no respect, no morality in American capitalism. Profit above all else!

[@eniak00]

This is certainly not to say they are all bad. Many get after people for having to be gone for family issues or fire people if they consider looking for another job. Many know their employees can’t get another job that pays as well as the ones they offer anywhere around there and hold it over their employees.

[@donaldlyons17]

@@eniak00 Well but employment is often the I can't leave because....

[@eniak00]

Yes it is. Many of those companies know that. They essentially take ownership of people that work for them.

[@SycaShow]

Sounds like they both need to work full time and put the baby in a day care

[@lloydschaffer3430]

A minimum of $3000 a month? Quit your whining Stop making bad choices

[@bretthibbs6083]

I worked part time and I am on social security disability and I am coming clean my brother helped me pay off 10 grand of my credit card debt but I still owed close to 8 grand between 2 cards and I think in less than 2 years or more I paid them both off and granted I was paying double or more of the minimum payment on the cards I was paying close to 500 a month between both cards and I paid them both off over 2 years ago and I haven't used them since. oh and by the way I never go out to eat and I haven't had a real vacation in years.

[@zanneizzo8113]

Did you pay your brother back?

[@bretthibbs6083]

@@zanneizzo8113 I asked him about and he said no but he is also my landlord so I pay him around 400 a month for rent.

[@mariorta5017]

She know what they need to do, but have plenty of excuses.

[@untouchable360x]

Click-bait. Funny how they use Dave as the thumbnail.

[@jimroscovius]

We had two kids, we both worked fulltime, we had some daycare, and no debt. Stop going out and cut the cable.

[@reese85]

Pretty sure in a combined income of 60k with two kids, there not goin out cuz they can’t afford it

[@jimroscovius]

@reese85 Bull - we could make it on $60k if we had to. Should have asked how many times they stop at McDonald's or the convenience store because they're "tired" or whatever.

[@reese85]

⁠@@jimroscoviusnah 60k combined ain’t no money, especially with two kids and having McDonald’s or stoping at a store here and there is reasonable. The problem mainly is that low income

[@siva47931]

​​@@jimroscovius your daughter (.)(.)

[@reesercliff]

no one under the age of 40 has cable tv anymore, only older folks watch network tv anymore. Cable TV is going the way of the Dodo, I can't believe my parents still pay $250 a month for cable and all they watch is Fox News, I pay no more than $10 a month for a single streaming platform depending on what im watching that month

[@1anthonybrowning]

I don’t think Walmart is going to pay overtime. I believe they have a reputation that they prevent anybody from getting overtime.

[@eile4219]

they hire enough people, so overtime is not needed. Why would they want pay for overtime for 1.5X when you can hire one for normal salary.

[@curiouscat3384]

@@eile4219 benefits. Overtime is cheaper than the total employer cost for a full-time person.

[@alinatamashevich3354]

@@eile4219 Part time!

[@Theextremepessimist]

67k a year? Yikes! I make 84k my wife makes about the same.

[@gregory4154]

This couple needs better jobs or extra side work.

[@LadyRow00]

The truck was a dumb decision however, these two guys are so out of touch with reality. "Just find a different job." Lmao. It's that simple, huh?! Also, $20hr throwing boxes at Walmart? Give me a break. Walmart pays $14hr where I live and they only hire part time employees.

[@guppygb6078]

Everyone on this show is out of touch with reality.

[@angulo-ws3qi]

@@guppygb6078 OMG you are so right..What frosts my ass is the commenters making assumptions that "They eat at McDonalds"..."They go out"...without this being brought up in the call...Its called projecting your biases and insecurities.

[@RafaelHernandez-vt8fu]

I work for UPS as well. Full time though. As of Aug 1 2023 full timers like me went to $45.01 and part timers like her went to a minimum of $21 an hour with 3 1/2 hours guaranteed. There is extra work bid lists she is allowed to sign and get. Anything after 5hrs in one day for her is paid at time and a half!!!! There is tons of extra money she could make as a teamster unionized employee. I was in her shoes before I went FT. Now as a driver I bring in 100k easy a year. She can too. Good luck

[@Niafunn]

How does 5 dollars more an hour double your check or cut it in half. What kind of job is this anyway. Get a regular job

[@rooster5755]

why you missing a day in a months time?i dont understand?I havent missed a day unexpectedly since i got Rona bad 3 yrs ago!!I dont miss days

[@GAFB1122]

I wonder, are you one to not take vacation time either? Maybe you are, maybe you aren't but there are those that are out there and I feel sad for them. As part of my benefit package I earn and accrue vacation and sick time. I don't abuse anything or anyone but I have no problem using the time I earned either!! I work to live. I do not live to work.

[@rooster5755]

@@GAFB1122 I do take vacation but there are people out there that show up late for work all the time or seem to have some sort of problem all the time...Ive been at the same place for 27yrs as a mechanic.i dont mind going to work for the most part.I grew up working hard on a farm.I have no use for people that dont want to work or think they are "busy"

[@MrTmenzo]

That's not a flex: Did financial peace university at 14 and now I'm an adult and doing horrible.

[@jasonleatherwood2172]

Ive never seen a job where you lose half ur pay missing one day thats insane like yeah ya make 25$ per hour but since ya missed one day its 12$

[@joeriveracomedy]

Bless her for saying catalytic converter in english

[@mdaniels6311]

She is one of lifes victims.. I can just tell.

[@philmiller2010]

I like the Ramsey personalities. Don’t like using Dave’s face in a thumbnail when he’s not answering the call.

[@Zip_Zero_ZILCH]

If they are offsetting the hours so one parent is always home... Why does he need to take time off????

[@asnboy1084]

Good luck paying down 2k a month, 67k - taxes won’t leave you with much.

[@ibarix]

i can BET there is some clause that doesn't count 911 emergencies into paycheck cuts. otherwise it's unfair/discriminatory so quit that shit employer and get the fuck out.

[@stevelarson6384]

go get another job!!!! Work more....

[@-BRANDED]

I appreciate you and your content < Technical Analysis is good but I find It truly baffling that major crypto youtubers just look mostly at pure T.A and completely ignore the bigger narrative of why BTC is pumps/pumped and why the future outlook will be even rosier than it seems. It's kinda irresponsible to ignore the fact that each ETF launch so far has caused a major dump at the peaks of BTC. We were already on shaky footing with historically low volume and almost pure whale pumps, narrowly avoiding a long-term bear market. More emphasis should be put into day trading as it is less affected by the unpredictable nature of the market. I have made over 27 btc from *Dale Valskov* insights and charts, its been one step ahead of other analysis….

[@jeep19]

Surprisingly, they've got all this debt, yet they were able to have 2 kids in the middle of all that, making 67k between them 😂

[@amino767]

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 *Dale Valskov*

[@AbhinavSahu-n6g]

🗽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 *Dale Valskov*

[@maheshbhuriyamahesh2412]

Now is the perfect time to start buying stocks and crypto( BTC, ETH,) if you are just being introduced.. I really wish I started earlier. I'm learning this doesn't have to be as complicated as some people make it out to be. Thanks to *Dale Valskov* for helping me get into its trading server and investing guidelines. Investing and trading are more than just having TA skills. There is a big component of discipline and emotional maturity, that one has to work on! Time in the market vs. timing the market. If you keep that mentality as an investor, you will stay calm during the storm! Within some months I was making a lot more money and have continued on that same path with.

[@random-nz7dy]

Work more. Spend less. stop making freaking excuses about everything. Also making 1600 a month is pitiful. That's like $10 an hour. I've driven past like 10 fast food restaurants this week where I live offering $20 an hour starting with benefits. There's no excuse for not going out and finding a better paying job than that. These people are making the choices that have them where they are at and until they are done making excuses it will never change