I Feel Like I'm Stuck Living Paycheck To Paycheck

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[@lot2196]

Always a stupid truck.

[@losbrooklyn8861]

😂

[@GAFB1122]

BOYS and their trucks!! Yes, you read that right, BOYS NOT MEN!!

[@tonytoni1150]

That’s white boys for you 😂

[@shawnmendrek3544]

Yep.

[@SoUnDMaN831]

I’m not surprised. New trucks, or even a couple years old, are expensive AF! Especially Ford trucks. A new Ford is around 100k these days.

[@cheifhughw9349]

It never ceases to amaze me how many men put their families in financial hardship for a truck. In most cases, they are luxury vehicles since they never use the bed of the truck.

[@davidbrayshaw3529]

Men? Sorry, my understanding of a man is one that rides a bicycle to work in order to put food on the table for their family.

[@analyticalchick3064]

We share one SUV. We have been saving and will start to look for a second vehicle soon. I want to get a car and he wants a truck. He claims we need it for the 4/all wheel drive. We already have an SUV. Maybe 2 weeks out of the year we get enough snow that we wouldn't be able to use a car. I keep pointing out that the cost of the truck estimates paying for the truck bed which we don't need.

[@Mark-qg2ud]

At least he didn’t skip the country and go start a new life overseas. His life sounds miserable

[@jonathanarras1281]

Gotta have something to fly the Trump flags on and place the let’s go Brandon stickers on.

[@gessrinky9129]

These men ain’t like our grandfathers….

[@HatedJared]

Guess what buddy, most people work hard and provide for their families. That doesnt mean you get a truck thats almost a full years salary while y'all live in a trailer.

[@StackingOZs]

lives in a 20k trailer while his 50k truck sits outside empty most of the day. America truck ya

[@shawnmendrek3544]

100% agreed. no excuses, people wanna feel bad for not having the stuff others have, but if your marriage or relationship is solid you will not care. You have a kid, it doesn't require a leased new f150 lmao. it is like partying 24/7 with kids, dude you have kids, get it together, party time is over.

[@sierra7534]

Exactly right! I remember working with a guy who bought a charger around 2009 when they brought it back for the first time. It was $40k and he ranted and raved and always talked about it. He was always pushing for me to get one. We were both blue collar at the time and I was making $15/hr and I was lucky to get 20 hours a week. I told him I couldn't imagine buying a car, something that loses value, for more than what I make in a year. He told me that doesn't matter and that we deserve it for working so hard. I was 21 and this guy was in his 40's. I'm so thankful for God's wisdom and disagreeing with him. I'm making nearly 10x's that now and he's still in the same job with the same mindset.

[@MarshallMcCrory]

😮😮😮😮😮😮..... TRUTH is....... EVERYONE is LIVING PAY CHECK to PAYCHECK....I was driving local in a market saturated with people that would work for peanuts. I brought home 500 bucks a week.......and if I played my cards right,I had 80 bucks left over(20 bucks/weekly) for the month and that was me skipping breakfast and lunch and eating alot of soup/sandwiches.

[@sierra7534]

That’s not the truth though. Many people, including me, don’t live paycheck to paycheck

[@Will54rol]

With a decent salary, by the time I pay bills, there’s barely anything left. And saving or investing? Forget about it. It feels impossible

[@Andres_853]

Same here. What frustrates me is that I’m putting money aside, but it’s just sitting there. I don’t know how to make it work for me. I want to invest, but I’m scared to make the wrong move

[@MONROEJACQ]

That’s exactly where I was a couple of years ago. Living paycheck to paycheck, savings just sitting in a basic account. What helped me break out of that was finally learning how to manage my portfolio better. Even small investments, when done right, can start to make a difference

[@Colbe-lx7fb]

Portfolio management, huh? I wouldn’t even know where to start. It sounds so complicated, especially if you're already tight on cash.

[@Bigwilli123]

I felt the same way at first. I didn’t have a lot to work with, but a friend suggested I talk to a financial advisor, Joseph Nick Cahill. It’s not about having tons of money upfront-it’s about understanding where to put the little you have so it can grow

[@Colbe-lx7fb]

​@@Bigwilli123I’m curious-did that really make a difference for you? I mean, doesn’t hiring an advisor cost a lot?

[@2ooflyyx68]

How I stop living from paycheck to paycheck was Sacrifice, Discipline and Financial literacy.

[@HOLDXSTEEL]

Yawn

[@shawnmendrek3544]

@@HOLDXSTEEL You yawn at the truth, cool. But the truth is the truth no matter the response or day.

[@mosquitofleetfishing6599]

I had to go both ways with my situation. I sold everything with value, drove a piece of junk truck and worked like a slave for years. Now, my family is set up to do well no matter what the economy does and I still drive the piece of junk truck locally. My wife hates it but it’s still running-ish for now. Being a millionaire is easy by math. The hard part is getting past the pessimistic psychosis of doing the dirty work.

[@quentinparker7404]

I agree. Kudos to you and your family👏👍

[@shawnmendrek3544]

@@mosquitofleetfishing6599 Respect

[@Piccolo_Re]

I can’t understand why people pay insane amounts of money for vehicles that drain money in repairs and go down in value.

[@shawnmendrek3544]

You are just renting what you can't buy. It makes no sense to me. He is a mechanic but leases, WHAT? Diesel mechanic, different but still, he has the ability to fix his stuff.

[@NickAndTech]

Because it's WAAAY easier to get a loan on a new truck than it is to get a loan for a house. Instead of actually being wealthy he can FEEEL (as Mike Savage used to say) like it. Ballin without a budget.

[@BREEZYM6015]

I make $60k, own a townhome, and a 1979 El Camino. The car needs some work but runs. I'm very thankful to be where I'm at in life.

[@Atlas-tp8dw]

👏

[@shawnmendrek3544]

$60k is good. Let us be honest. Plus you always have side jobs.

[@alinatamashevich3354]

But....do you have a mullet? Does that El Camino have a V8? We must know the facts, can't just say I have the coolest ride ever!

[@Cherubim666999]

Want to sell it?

[@LisaSimplified]

Life is hard. It's always been hard. No one gets a pass.

[@MikeNapoli1989]

It doesn’t have to be hard. I made some sacrifices that made life a lot easier for myself.

[@Macntosh2]

@@MikeNapoli1989 short term pain for long term gain. Easier said than done.

[@SoUnDMaN831]

@@Macntosh2technically, everything in life is easier said than done. It’s a moot point to use that as an excuse.

[@turtleanton6539]

Sad but indeed true😊

[@Omar_Zazzle]

Tell it to Elon Musk.

[@titansmgr]

Lol $650 month plus insurance LOL PEOPLE!

[@lyndalamb3221]

Our income is many times theirs and we have never had a $650 car payment. I drive a Prius and my husband also has a hybrid. Not only is the truck payment high, but it takes a lot of gas.

[@shawnmendrek3544]

lmfao that is nuts

[@sierra7534]

I would give up my car and share one with my wife if my payment was ever that much. That's nothing these days too. I know people paying over $1200 a month for a huge luxury Chrysler SUV that never leaves the shop. I'll never go back to a car payment let alone one that costs more than my mortgage

[@cathiematthews1359]

She is working herself tired from working the most days she can with MS, so they can pay for his track. Sad.

[@johnmitchell8925]

Gas

[@mrsterious5845]

I once saw a car, a real old beater, with a license plate frame that read "Don't laugh, it's paid for". When I feel down about my paid for stuff, I remind myself of that car.

[@DontAtMe2k24]

When your truck cost more than your double wide, that’s country that you can’t hide. It’s literally in songs people.

[@alinatamashevich3354]

I was drunk , the day....

[@NeoAndersonReloaded]

Im making close to 200k and i drive a 12’ accord paid 14k cash. It can be done. Cheaper ur pleasures happier u will be

[@samsunguser6608]

Drivin a decade old Toyota in my part of the world. Not the newest nor the nicest, but it's fully paid for and never breaks down.

[@lot2196]

$131k. 2012 Chrysler minivan. 2017 Honda Fit. Paid off house.

[@alinatamashevich3354]

@@lot2196 2 car seats and a minivan!

[@carolynngockel3670]

Yep. Husband actually bought an older Audi, but similar deal.

[@forzaazzurri1471]

I’m also making 190k and driving a 2006 Civic.

[@KathleenMcNe]

Years ago, my Dad and I were driving through an area populated by old, run-down mobile homes and beat-up shacks. We both noticed the same thing: parked at these homes were new and fairly new, expensive pickups and SUVs -- considerably more expensive vehicles than we each owned and we'd both be considered wealthy.

[@nvr5490]

It's because people are getting themselves ready to live in their cars. That's why they have SUVs.

[@KathleenMcNe]

@@nvr5490 Bright, shiny, new, expensive SUVs?

[@nvr5490]

@@KathleenMcNe yes, they come with 5-7 yr warranty

[@KathleenMcNe]

@@nvr5490 People who are about to become homeless likely don't purchase new, expensive SUVs.

[@GAFB1122]

Living in a broke down mobile home but having a truck that probably cost more than the roof over their head. Typical lack of priorities of most of Americans!! I fight for and cherish the working class. I think America should do better by the working class. BUT you have to get your priorities straight and be smart and more responsible.

[@alecweibel5935]

Dude probably complains about gas prices, too.

[@UTP504]

@@alecweibel5935Right😂.

[@reenakemp9132]

I bet her husband blames the economy and current admin, instead of himself and his choices.

[@UTP504]

@@reenakemp9132 Yep, I’m sure he does.

[@armandoweckmann5699]

I was that guy who made more than my fellow coworkers yet drove an old camry for years. Fast forward to today. Im living in a 400k home, paid for in full, and have over 6 figures in savings. Now I drive a new camry. To each their own. I prefer a beautiful home in a safe, nice neighborhood over a nice truck. Plus, I can invest my hard earned money in appreciating assets so that when I retire, I can do it proudly.

[@dannymartial7997]

People mix “I deserve it” with “I’ve earned it”… You have not EARNED the right to drive a new truck when you haven’t done your duty as a man to provide for your family. Everyone deserves happiness, but you have to earn it first

[@magnumend88]

Well said.

[@magnumend88]

Well said.

[@megalodon1726]

"I deserve" = 2 words that lead many Americans into financial ruin. If you have to borrow money to buy a vehicle, you don't deserve it.

[@breezyveezy1]

That truck was the DUMBEST decision. Entitled decision.

[@Astro95Media]

Bingo. I drove around a Nissan Altima and rented a small apartment when I was getting out of debt. Took three years to pay off six figures and I was a single dad at that point. As Dave says ... personal finance is 20% head knowledge and 80% behavior.

[@boredoreos]

I make 5x her salary and drive around an 18 year old car.

[@KirstinLillynn]

Please have him go to the VA, and file a VA claim to get his military benefits! He could be entitled to SO much including healthcare for him and his family.

[@2ooflyyx68]

@@KirstinLillynn that was my first thought. It’s crazy how so many veterans don’t bother to do it.

[@GAFB1122]

Maybe or maybe not. It's good advice to see what you earned and are entitled to but it depends on the nature of his service. Clearly he did not do 20 years and retire on active duty because she would have mentioned a military pension. So beyond that, was he injured in the military, did he serve in combat, etc. Non combat veterans do not get a lot of benefits except healthcare for themselves at the VA. If you wish to challenge me on that, I am a non-combat veteran, who served honorably and I'd be happy to tell you what I get and what I don't get.

[@KirstinLillynn]

@@GAFB1122 As a Veteran myself that only served 6 years this is not true at all. I'm not a combat Veteran, and I am at the 100% rating and under IU

[@KirstinLillynn]

@@2ooflyyx68 Exactly! They just don't know what is available to them.

[@GAFB1122]

​​​​​​@@KirstinLillynnAnd how? What could have possibly happened to you as a non combat veteran that you have a 100% disability rating? You probably won't answer but let me just say this. I was NOT hurt or injured in the military other than the typical scrapes and bruises one can expect in basic training and throughout my MOS. I did not have any sort of PTSD having never served in combat. I was discharged as a healthy young man who went onto college and I was not going to milk my time in the service by claiming a disability that I didn't have! I don't know about your story, but I have a real problem with veterans claiming disabilities when they were more like me, healthy in body and mind post discharge! You would probably have told me, go and see what you can get BUT I just don't feel that is right.

[@dougprentice1363]

Don't even think about taking a loan out to fix up a trailer.

[@alinatamashevich3354]

YES!!! Sad they didn't say NOOOOO

[@SRTBOAT]

Imagine living in a trailer and buying a $650/month truck, then wondering why you're stuck😂

[@Tubeyou2343hhsg]

I like how 650 is a low end truck now a days

[@SRTBOAT]

@@Tubeyou2343hhsg Tell me about it. I'm cool keeping both of my paid off 2007 cars. If one breaks, I have another. If both break, I have an emergency fund. Zero chance I ever take out a car loan.

[@ClaxtonBay123]

650 is the payment. You can't tell what's low end versus high-end by just the payment. Especially without knowing how much they actually put down etc. ​@@Tubeyou2343hhsg

[@ciarajeanr]

This is insane. My household income is $120,000 and my $300/month car payment makes me absolutely cringe. I can't imagine doing what this guy is doing.

[@drewdelaney4166]

My gf pays $1300 for Mercedes with 120k income. I believe she has so much money socked away from her parents estates. I don’t know for sure but I know money no object for her but it’s crazy when I saw the paperwork at the dealer

[@blakeharrison3972]

Diesel mechanics make bank, should be making $100,000 easily, it’s hard work but can be lucrative

[@ainlLeek]

Yeah, I thought that diesel mechanics should be making damn near 6 figures, easy, but the caller is painting a picture of living in a literal poor house. Maybe the husband should get a different boss.

[@travisbickle1455]

Well those people still make bank and live in their trailers. But on the good side they go to work in their leased F150 Lightening.

[@reese85]

@travisbickle1455 50k ain’t making bank, no disrespect to anyone making 50k or less

[@reese85]

It depends on the job/location like it does any other job

[@MrTmenzo]

In California probably not Georgia

[@riku3716]

We live in worn out trailer and don't know how to get in shape. 50k income??? 600+$ carpayment by husband who thinks he deserves it. Ooh, now it all makes sense.

[@willelliott5052]

A late model truck parked outside of a run down trailer is not a picture of proper priorities. That was a common sight for me growing up in rural SC.

[@theL0VERS]

My household is literally in the same boat as far as finances and a disabled spouse. We decided to look into a side hustle and we are able to borrow equipment before we have to buy it to see if it will make any money. $1000 a month would change our lives. If the side hustle can turn into a main hustle great if just some extra money monthly then wonderful.

[@kendrapratt2098]

Husband is comfortable; Hannah is starting to get uncomfortable and wants to progress. Husband is content to do what feels good. They need to devise a plan and stick to it, as grown-ups

[@kendrapratt2098]

@@adamseidel9780The substitute teaching surely doesn’t seem to be cutting it. Wonder what else she might be able to do with the MS

[@289Mustang67]

@donaldjohnson-d6i Is that because you've been taught that women are always the overspenders?

[@EmpressMermaid]

​@@289Mustang67nah, no matter the issue, there's always the "yes, but women always do bad" contingent showing up here in the comments.

[@johnmourer5747]

The problem is there is only one grown up. Which is her.

[@jonreed5431]

Husband has a valuable skill and needs to do work on the side. He could be working on construction related diesel equipment, specialized vehicles, cranes, tractors, caterpillars, etc. He can be contract to work in the field on demand and make bank. It's all how you market yourself.

[@Boris5Z]

There are 3.5 million teachers in the US. Even if 5% becomes millionaires, they will beat surgeons. Because there are only 72000 surgeons. That's correct explanation of the millionair study.

[@TimeisUp22]

Which is crazy because the country has both a major shortage for teachers AND qualified surgeons. Two careers that will never die but struggles with fulfillment. I don’t understand why the US wont just follow other 1st world countries philosophies to fix our problems. They are not unheard of or impossible to correct.

[@noahallen5046]

This show always struggles with interpreting statistics. Millionaires having paid off cars =/= paid off cars being the best way to become a millionaire.

[@AmandaMo89]

Let me just say as a wife of an army veteran I’m a stay at home mother to our four children we also live in Ga in a doublewide. I drive a 2017 minivan and my husband drives a 2003 Chevy S10 to do side jobs (he has a work vehicle) and we live just fine, he’s also a blue collar worker making $70,000 a year. Hannah if you’re reading this, I’d love to talk to you. I was also a neuro nurse that left the field in 2021, so MS is my wheelhouse.

[@napoleonbonaparte7204]

Considering moving to a place where his work is much appreciated. Many companies will even provide a vehicle...location location baby...best luck

[@RobbStonee]

I was recently laid off which hits hard. Thankfully, I have $600K in savings and am looking to invest it in dividend stocks to help cover my monthly expenses.

[@ScottStraw]

Thats when you hire someone to manage your money. You need a financial-advis0r straight up! Even while $600k might seem like much, one bad decision might seriously deplete it.

[@Tipping-Point88]

A good number of people discredit the effectiveness of financial advisors in exploring new markets, but over the past 10years I’ve had a financial advisor consistently restructure and diversify my portfolio/expenses and I’ve made over $3million in gains… might not be a lot but i'm financially secure.

[@Armstrong741]

Can you share details of your advisor? I want to invest my increased cash flow in stocks and alternative assets to achieve financial goals.

[@Tipping-Point88]

*Marissa Lynn Babula* is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.

[@Tnks4cmin]

I just googled her and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a caII.

[@vickie_hearne]

My heart breaks for her. Her husband will do nothing and she's too afraid he's going to leave. SMH

[@djpuplex]

She's not doing much at all to help the situation. Except call a radio show. What's the nature of your disability? That's the relevant question.

[@tracyaf6084]

@@djpuplexshe has MS.

[@djpuplex]

@@tracyaf6084 With a 8 year old? that was fast.

[@tracyaf6084]

@@djpuplex you mean because she’s young? The average age for diagnosis of multiple sclerosis is 34. It’s a terrible disease.

[@djpuplex]

@@tracyaf6084 It is but the progression was fast.

[@lowdermilk89]

A diesel mechanic making only 50k per year is wild. My company pays our mechanics anywhere from 65k-75k before OT. On average they bring home around 100k.

[@rebekahbrown3353]

We purchased our first home- 2,700 sqft double wide in 2013 for 110,000. We sold it this year 2024 for 290,000. Yet the Ramsey show shames “trailers”. There is nothing wrong with living in a manufactured home if that is what you can afford. They are selling for quite a bit in this market with some land. maintaining them, doing sensible upgrades, and taking care of your land can go a long way!

[@ddonewright]

I wish people would stop trashing trailers. We own one and love it. Don’t knock it until you try it. They are easy to maintain with lower monthly expenses.

[@dawnr6381]

In 1990 my husband and I got married and bought a new mobile home for $20,500. We took out a 12 year loan on it and we put 20 percent down. We lived in it for 10 years in a mobile home park. Daring that time we bought land and paid for it to build our dream home. We sold the mobile home for $21,000. ( it was in a park,we didn’t own the land ) I wouldn’t change a thing. When we figure in lot rent and interest on the loan we still came out ahead compared to rent.

[@LadyCamilleE]

Truth! The cost of All housing has gone up. My neighbor made bank on his mobile home.

[@Primitive_Code]

I'm a substitute teacher too lol we make $90half day, $150 full day, but I have another job on the weekends.

[@FortuneSeek3rz]

The best value in trucks currently is a 2011-2012 GMC Sierra. Reliable and parts are cheap, insurance is cheap, and tag is cheap. It will do 90% of what a new truck will do for 35% of the price.

[@abmtz8537]

This guy would be killing it if he sold that f150, got a pre emissions diesel pickup truck and started doing road service calls on his free time.

[@lonnieswag100]

A $650 car payment while making 50k is fucking stupid, idc what anybody says.

[@alinatamashevich3354]

We got that! Only makes sense IF he uses it to make money

[@machutson5493]

30-40k for a rapidly depreciating trailer?? Never a good decision.

[@thomasdalton1508]

Yeah, that sounded crazy to me when I heard it. Why would you ever spend $30k on repairs on a trailer? That's never going to add up. Is an old trailer, even well maintained, even worth $30k?

[@JohnDoe-td3xx]

​@thomasdalton1508 before 2020 it wasn't, no idea now

[@Jennifer-iq4mm]

My husband is a diesel mechanic and makes over 100k a year.

[@HecticGlenn]

What is with every guy having a truck in this calls? As a listener from the UK it sounds so strange, men don't want / have trucks. The trades usually have vans but they are commercial vehicles.

[@Chet_24]

US is a completely different culture. It's apples and oranges.

[@alberttang6955]

For men in a certain segment of American culture, a pick-up truck is a projection of their masculine identity. For these guys, driving say a Honda sedan would be demeaning and humiliating.

[@GAFB1122]

@@Chet_24 You are correct and I find American culture with their vehicle obsession strange and I am an American.

[@Atlas-tp8dw]

@@alberttang6955 thanks for this insight...

[@mrsterious5845]

I'm 51 and lived all my life in the US, though I've traveled abroad. When I was a child, the folks who had trucks actually used them for work. They were in a trade, worked a farm, etc. Some years ago, the auto companies started marketing "big" vehicles (trucks, SUVs, etc) to the ordinary consumer. I live in a suburb and plenty of folks have trucks that have never been off road, hauled hay, or carried equipment. Plenty of folks also have sedans. In some cities, it's difficult to near impossible to do without a car. The city where I live is one such place. Public transit systems is way off topic, but, IMO, the US could do better. However, car centric doesn't equate to Big A$$ Expensive Truck. Like anything humans touch, objects can quickly become status symbols for many. That said, there are plenty of people in the US, who regard a car as tool to get them from A to B and aren't concerned with driving a status symbol.

[@mattmurdock5424]

People would be so much more well off if they taught financial literacy in school.

[@d_all_in]

They do, it's called 6th grade math

[@lindsaymegan6994]

NJ requires personal finance to graduate high school

[@mrsh2167]

great show. I started doing Dave Ramsey before I ever heard of him. Totally out of debt since 2016. Life is good

[@Fishouta]

I'm ok with the advice that George had, except for the..."move out of the trailer and go rent somewhere to save money" part. Reason is, yes the caller said they are putting money into the trailer, but they could stop putting anything into other than absolutely needed repairs. Stay there to save money. I'll bet their mortgage on the trailer is far lower than renting somewhere.

[@jeremyscott6404]

She could also be working from home. He should be selling that truck. This would help them save a ton and make a huge difference in their lives.

[@BulentKizilaslan]

From $9K to $35K that's the minimum range of profit return every week I thinks it's not a bad one for me, now I have enough to pay bills and take care of my family

[@BulentKizilaslan]

Creating multiple income streams that doesn't depend on gov't should be on every individual list. Thanks to Stacey Macken, the lady that changed my financial life.

[@adamalker71]

Honestly, I'm surprised that this mrs Stacey Macken is mentioned here, came across a testimony about her from one of the beneficiaries on the CNBC news, she seems to be doing extremely well .

[@WelseyWalker]

That woman has changed my life for good. I attended her investment class couple of weeks and she's the best when it comes for guidance

[@OmanKyriakos]

Stacey Macken is a retirement manager and investment/savings expert, in ranks with Cathie woods and Warren, has demonstrated expertise in investment strategies and has been involved in managing and providing financial guidance globally .

[@RhonddaTkp]

I agree with you.I was 35 when I finally educated myself and started taking steps. I went from $176,000 in debt with zero savings or retirement to now, 2 years later, fully debt-free and over $1000,000 net worth. I know that doesn't SOUND like a lot, but I'm incredibly proud of it. Now I'm fast-tracking my wealth building (investing $400,000 annually) and don't owe a dime to anyone. It's a good feeling!

[@TheGeckoIsKing]

“We don’t have much” I wonder why 😂

[@davidknicks]

I cant believe how crazy car payments are now

[@JK20239]

Because people are willing to go into debt for. As long as their are sucker's who will, they will keep jacking up the prices.

[@youtubeguy4539]

It’s the new normal. $300 car notes are gone!

[@totit_t1445]

​@youtubeguy4539 . My car payment is $300.00/month!! So no, it's NOT gone. I bought it at the beginning of 2020 & it's a 2018 Toyota Corolla. It runs GREAT!

[@davidbrayshaw3529]

I can't believe how many crazy people are prepared to take on crazy payments.

[@ChristopherOrso]

@@youtubeguy4539Not Really. I have a 2023 Volkswagen Jetta & my car payment is $348.27. I was able to put down a good chunk.

[@thejakelegion]

Lady, your husband is acting like a child. My wife and I are a single income household. I personally make 215k a year. I've been eyeballing a 2017 truck for a couple years but I'm still driving a 2005 Camry that cost me $4100. Your husband doesn't need this truck and it's sinking your family financially.

[@jacobstrouble6631]

It's actually pretty sick and deranged to consider buying a used 2017 truck or driving a 2005 Camry when you make 215k. You make upper class money driving in someone else's squalor for chump change.

[@thejakelegion]

@@jacobstrouble6631 this has to be the strangest comment I've ever read. 😂 Squalor? It's a perfectly nice car. I could buy another one, but I like mine fine. When it starts to wear out or break down, I'll sell or junk it and buy the car I want. In the meantime, I've got $4,700 a month going into investment accounts and a new car fund and I'll pull that money when I'm ready to use it. I don't apologize for these choices and you taking such a visceral response to it is very strange. Have a nice day :)

[@beanteam2217]

@@jacobstrouble6631so? A 2005 Camry is one of the most reliable cars you can own.

[@rh-bd6wv]

@@jacobstrouble6631 Sick and deranged? Jacob's trouble or Jacob's troubled?

[@riinamitt3446]

​@@jacobstrouble6631😆😆😆

[@Cdot-rw8em]

I don't think anything is going to change with this couple, he's going to keep his truck and continue to just make ends meet. If he wanted change, he would be on this phone call with her and work on it together

[@wayfinder81]

It's sad to say but I had the same thought. Not trying to be negative but it sounds like things have been set a certain way for quite some time and the only one with the mind for change is the one that called, and she's in a more difficult position.

[@Astro95Media]

"I work hard so I deserve a nice truck" is probably one of the most entitled bs excuses I hear on the show. Grow up, pay off your debt, thrive financially and then get the truck in cash. That's when you deserve it.

[@paulstandaert5709]

Almost all automotive mechanics i inow drive around in garbage cans.

[@ongo6408]

Multiple sclerosis -- maybe could work fr home data entry or customer service?

[@rbass7674]

That’s 10k AFTER taxes for the truck. 20% of their income.

[@drewdelaney4166]

That’s a solid good woman right there

[@amyeastman8764]

Not really.

[@batman6540]

Thats the purpose of the consumer culture system...you are one of many.

[@evanl889]

I agree with all the logic here, but you have to be really careful this day and age buying an older used car repair prices are insane right now. A remanufactured transmission for a Silverado they wanted almost $10,000 for installed. The universe tends to balance out if you try to save upfront on something you’re going to pay on the backend. They might get back $10,000 from selling the truck but if they have to repair an old used vehicle. It could cost them thousands. Average repair of a Dodge ram was over $1000 per visit according to data collected.

[@cherrypieforbreakfast1499]

I needed a truck. Hunted around and found one, not running, for 200 bucks. By the time I had it licensed and on the road I was into it for about 800 bucks. That was four years ago and I still drive it every day. Does everything I need it to do.

[@kingfire7093]

I have a similar problem with my house, I live in a Victorian house in the UK and it always need fixing up and cost a fortune to do so. So there’s no win win

[@ronjr831]

The caller overwhelmed the show with financial issues. The response I heard was sell the expensive depreciating truck, sell the single wide depreciating mobile home with expensive repairs, rent an apartment, try to make extra income hopefully. It was a very short reply and when the situation seemed hopeless I couldn’t take it anymore. Some situations seem hopeless. I usually bail out early. Still watching though.

[@JudePi-jx7yo]

How many regular listeners mind this stuff so easy and listen just to feel good about ourselves? Some people think they deserve more than they can afford (the more they make they always deserve just a bit more than that). Meanwhile some others can't spend or enjoy life because they are afraid of being broke. Hard to find a balance.

[@FredMaples]

I work at an auto factory. The new cars coming out now are so expensive. Even the new Ranger trucks can be over $40,000. They are nice to look at but you have to know if you can afford it

[@yoshit9819]

I retired 12 years ago. 120k pension with zero debt including mortgage. Zero. I'm still driving my 1996 Ford F-150 and my wife is driving a 2005 Toyota Sequoia. I don't get living in a trailer buying a new truck.

[@maryanne2939]

Hanna needs to look into Social Security Disability. Also look at work at home jobs . I understand her disability might make it difficult but maybe on line tutoring might help out.

[@desireesalas5820]

She literally stated she receives a Disability check for her and her child.

[@kevinreichert3254]

Question, why has she been spending money on and off for 8 years for a degree? She has literally stated she can’t work more than 5 days a month. She could never make back that money. I understand she wants it, but it is a bad investment. Probably not as bad as his truck, but a waste just the same.

[@megalodon1726]

She can't *teach* more than 5 days a month. But maybe with a degree she could work more hours at a desk job.

[@coffeepandacat]

A surgical tech degree is only a 1 to 2 year program. That is role in the OR in healthcare. I think she's depressed which makes her lazy. Being with a loser will do that you and make up excuses like "I'm disabled."

[@coffeepandacat]

​@@megalodon1726A surgical tech degree is not going to get you an office job. It's a job in the operating room of hospitals and very demanding. Not sure how she claims she is disabled but wants to do a physically demanding job like that

[@commonenglishmistakes4360]

It's unbelievable how many say they live within their means and within minutes we hear that they don't.

[@queen.kristal8395]

Sell the truck 🛻 and go rent a better place . Also maybe she could do schooling and work from home 🏠 if it’s to much for her to go on campus .if something happens to her husband she is screwed .she needs to work even if it’s online

[@mrsterious5845]

The stress of her current financial situation cannot be conducive to her health.

[@queen.kristal8395]

@@mrsterious5845 stress cannot pay bills I think she just needs to work from home 🏠 to bring in extra income

[@lyndalamb3221]

Substitute teaching is hard work. It seems like you could find something part time that would be easier-maybe working from home or being a receptionist.

[@TharsanJeyachandran]

great ep

[@TheDjcarter1966]

A disel mechanic making $25/hr? If you go make $30/hr which is doable and get rid of the truck...thats a $20k a year raise She could find something that isnt taxing for more money without playing victim and make another $10k. If you have ever driven through a mobile home its about 50/50. 50% drive beaters and 50% drive cars with payments more than their mobile home payment

[@ucbearcats1978]

Yes, I 'm sure that being a substitute teacher would be a stressful job, and there might be work that she could do from home (customer service, teaching English, etc.) for more days a month.

[@zeal4god402]

Dude earns 50K a year, feels entitled to a 2019 truck he can't afford with a hefty payment...AND they still have 30K left to pay on it! No! Tooooo much! Living in a broken trailer with huge costs to maintain and a $650 car payment...both are going down in value...not having those would have their financial life getting healthier. Plus him seeking a promotion in his mechanic career and her tutoring online instead of settling for that $100 a day substitute teacher job would significantly increase their wealth and reduce stress

[@matrixkernel]

I drive an oil leaking ‘07 Camry. I couldn’t be happier driving it because I don’t worry about working so hard just to be current on a car payment. If I want a joy ride, I can rent a nice car for the weekend.

[@NeoAndersonReloaded]

With inflation its going to get worst. Truck repairs coming too

[@Elvarg]

Sounds like someone needs to toughen up. I am permanently disabled from the military. I have bad knees, sleep apnea, mental health issues, and IBS. I still manage to work full time and have gone to college full time while being a father and a husband. Find a line of work that doesn’t aggravate your disability. Sounds like you can speak well so maybe a work from home call center job. Etc. sounds like she has an answer for every suggestion as to why they can’t do something

[@ThatGuysGuitars]

I can’t imagine owning a vehicle that costs more than my home. I get wanting, or sometimes “needing” the new, or newer vehicle if you’re a road warrior. But this just screams “wrong priorities” to me

[@John-du2mq]

Diesel mechanics make a TON of money in the right markets. Go to a more rural place and tell him to work on farming equipment. Also there are lots of farmers with diesel trucks. If you are a good mechanic you'll make a ton of money.

[@clc477]

30 or 40 grand to fix up a trailer wtf LMAO

[@shawnmendrek3544]

some states you pay way more. like NY/NYC or florida

[@boredoreos]

I make 5x her salary and drive around an 18 year old car.

[@danielhurst8863]

There is nothing wrong with living in a trailer, and there is nothing wrong with making $50,000 a year, and there is nothing wrong with a $650 truck payment. The problem is that when you put them all together, you have a spending habit that will set you back financially to a crippling degree. If this is just a person alone, then you get to choose the crippling route if you want that, but when you have a family, you have to give up some of your wants for the needs of that family.

[@alinatamashevich3354]

Sometimes have to step back to get ahead. Well said Daniel H

[@enod9746]

Why do people love going for expensive vehicles that are not an asset? My cars are 20 years old each and I still have them running. Got a house close to my farm so I do not do a lot of mileage on them, which keeps them going.

[@kirankishore9934]

It is probably lot more complex than the truck. I don’t know the entire story, but my suggestions in general are read few good books on how to change your mindset, act on those things and see the difference. Atomic habits, outlive, How not to die are good books. I would suggest these books for health. Document and continue to follow your good habits. Document, identify, intentionally and slowly give up the bad habits or if that is not possible, at least reduce the bad habit as much as possible. From a financial perspective, it is a surprise how much of a safe house can a person build with 100 to 150K if they have the lot and if they can be an owner builder. You may have to spend some part time work on learning and applying, but you can also cut down around 15 years of mortgage payments. Research ICFs, CMU blocks etc. Somewhat risky. Do it only if you understand the risks. You can reduce the risk by building a simple house. All the best to your family.

[@tomdillan]

I drive a 2019 F150 and it is nice but not worth the payments. I only have the vehicle because my wife wanted it and I had saved up 10K for a used vehicle. She wanted it and I told her I’d give her the down payment but I am not making any payments.

[@anthonykence9954]

Get rid of the truck to expensive

[@DDDD-of3hv]

bank account poor, but driveway rich........ i don't get it, but seems to be the new norm now..... sprinkle a dash of student loans and then cry whoowies me.......

[@adamseidel9780]

I respect that his perspective is he is bearing the stress of supporting this family and so he deserves some financial consideration for that, but a $60k+ truck is an absurd financial decision regardless of that at his income. It will never make sense.

[@heathbrockway9040]

I'd tell that guy it's just a stupid truck...that lady you're married to is what you're working for. I know for me my wife is the reason why I push myself in work/life...as I know she lifts me up to make me better and it's my privilege to do the same for her.

[@benjaminhough8804]

“I spend every available cent I have and borrow what cent I don’t…..Why am I living paycheck to paycheck?” 😑

[@CaseyMorris-du7qv]

She can work remotely. He can shop for a diesel mechanics job at a better place. They need to come together on life.😂

[@MarkSullivan-n6e]

A diesel mechanic is a hard job

[@reenakemp9132]

My car payment, full coverage, gas and oil change each month dont even cost $650 Lol.

[@sarawilliam696]

The current market/economy is unnecessarily tougher for boomers/senior citizens, I’m used to just buying and holding assets which doesn’t seem applicable to the current rollercoaster market plus inflation is catching up with my portfolio. I’m really worried about survival after retirement.

[@carssimplified2195]

Just buy and invest in Gold or other reliable stock , the government has failed us and we cant keep living like this.

[@KaurKhangura]

Yes, gold is a great investment and a good bet against the devaluating dollar, been holding some for awhile now, I’m grateful my adviser’s moment by moment changes in the market are lightening quick, cos who know how much losses I would’ve had by now.

[@foden700]

I envy you, I’m still trying to recover from losses I incurred in 2021/2022, who is this investment adviser you work with, I’m intrigued and I could use some quality guidance

[@KaurKhangura]

My CFA ‘’Aileen Gertrude Tippy” , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.

[@foden700]

Thanks a lot for this suggestion. I needed this myself, I looked her up, and I have sent her an email. I hope she gets back to me soon.

[@smalltownglobalproductions]

I was a teacher before becoming a professional writer and entrepreneur and come from a family of teachers and the only million dollars we have ever seen was a result of an inheritance from my grandparents due to their massive farm they owned. My parents do make a good retirement from teaching but you need to remember that that group of people that you did the study on also probably included ivy League school teachers like Harvard and others who also do things on the side to make more money. Teachers in general are still some of the most underpaid people in the workforce. But if they are determined just like anyone else, they could save and invest smartly and pull it off.

[@theresa78201]

Great points. Also, many teachers are married to nonteachers, so there is the spousal income from other fields to consider.

[@Dad-979]

Sounds like a George Jones song.

[@Macntosh2]

Never liked math.

[@cleliaparnell8743]

Wait until Social Security!! Same low money every month regardless whether there are four weeks in month or five weeks. You have to eat EVERY week.

[@rh-bd6wv]

Seems like a diesel mechanic should be worth more than $50k. If that is normal, we should value work differently.

[@michael567jober]

how can they buy a car in cash and afford all deposits for an apartment while living check to check? an old 2k car will definitely need work which may equal a car payment. best case is it’s a cream puff but very unlikely

[@harryfieldson]

As an Englishman - US truck culture blows my mind, if you can't afford stuff what the hell are you putting in the truck bed? but the back seats of your car down, damn

[@betitos11]

He needs to take his skills elsewhere asap. Leave the state if you have to, it will double his salary.

[@dog7881]

My mortgage is the same price as their car payment.

[@ryanwsu4]

$8000 is roughly 20% of their yearly take home pay.