I Have Maxed Out Credit Cards But Have Been Unable To Work

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[@takeitback-financial2808]

“You need to create some income, it will be great for your attitude and your pocket book” Great line

[@ravenestrella2310]

I have never heard a more nervous caller calling into this show! My heart goes out to him!

[@jeanlaubenthal698]

Is he nervous because he’s bordering on not taking full responsibility for money he owes.

[@EddieKM]

Then you haven't watched enough of these videos lol. Some are literally crying and having panic attacks

[@thesig301]

@@jeanlaubenthal698 dog he can’t owe it back because he got injured and can’t work😅

[@sal20Jets]

$15k for a life of back pain???? Crazy low number imo. They’re laughing at a small 15k. Smh. Good luck man.

[@wewhoareabouttodiesaluteyo9303]

I had $13k and it is no joke.

[@MyNameIsCorey]

Agreed, his lawyers should've at least tried to negotiate his gross yearly income...

[@jimthornston7554]

I got 60 for a knee injury, and no lawyer

[@nicholeknight1893]

Right! Especially for the amount he was making before that.

[@Originalman144]

$50k minimum!

[@triple_gem_shining]

He's just somewhat unlucky. Good thing he has a good family. Blessings to this guy! He needs a job where he can work on computer from home

[@terriesmith2616]

This guy is scared to pay off his debt even though he have the money to pay it off in full because he's scared he's not going to have any income/safety net due to his back injury. He took out a loan, he used it, so he needs to have integrity and pay it back.

[@ZINGERS-gt6pc]

That's why I'm surprised Ramsey didn't talk about emergency fund

[@sagyobi]

Lol then him and his mom keep asking if they can reduce the payments. Lol just pay it off.

[@JustAName-it5qp]

I know veterans with missing limbs and working.

[@reesercliff]

I also know veterans with broken backs never working again

[@staceystrukel1917]

@@reesercliff did I miss something? Did this caller say his back was broke?

[@gardenofe12]

I’m confused by this caller. He took out a $8k loan to buy a car and he got injured and got a settlement check. I’m not exactly what he wants or is asking. He says he’s going back to school. I agree with Dave he needs to create an income.

[@gemil9933]

Hard with a back injury, maybe he can find something from home

[@cooleobrad]

@@gemil9933 I don't fully understand this mentality. Maybe this was true 30+ years ago, but today there is a plethora of mostly seated jobs, many of them high paying, and many of them work-from-home. Any type of driving job (trucks, buses, uber, lyft), accounting, programming, data entry, customer support, bank teller, IT, graphic design, UX design, most office work, and anything that involves a computer is usually a seated job.

[@rayjgold]

The issue is his mother wants to keep as much of the settlement as she can......Even when it means reneging on their agreement to pay back what was borrowed. It is easier to borrow money than it is to pay it back.

[@dondieu3154]

If this young man has a decent vehicle, Lyft and/or Uber is almost always available.

[@mozzik370]

True but lyft and Uber tends to be expensive after awhile

[@ravenestrella2310]

@@mozzik370 I think they mean that he could work for Lyft or Uber as a driver, not use them to get around.

[@BrandonMinguez]

For the income, if he needs to sit then maybe ride sharing or working at ALDIs would be good. If he doesn’t have transportation (don’t know what happened to the dream car) then maybe he can work remotely even just part-time to start getting some money back in the door.

[@dingdongdaddy589]

Yo cuz Im almost 50, I’ve had three epidurals into my spine, while awake - and hang upside down like grampa munster every few days - up at 4am every day and push through it. Welcome to LIFE….

[@andrewneilson227]

I’m not sure what the rationale is for not paying off debts when you have the money. Is it fun? No. Is it the right thing to do? Yes. Is it the best thing for your long-term finances? Yes

[@wewhoareabouttodiesaluteyo9303]

Usually it is on a priority basis. The mortgage, utilities, and internet are first. Then the car registration and insurance (although, this can be a bigger priority depending on the time you have to pay it). Then everything else.

[@ravenestrella2310]

It's also the fear of not having a safety net when you're injured and may not be able to work full time. I've been there before, and it's a scary position to be in! He needs a bigger safety net than most as a result!

[@trmavirtual]

There are plenty of help desk jobs - work from home

[@sitns23]

I agree. I have a stand up desk. You can stand and sit many times per day.

[@garythorsell5061]

Great advice David

[@bigd9040]

He talked about his mother more than he talked about himself lol.

[@sagyobi]

Seems like mom makes all the decisions

[@michaelobrien3601]

I have back pain every day and it hasn't stopped me from working. Sounds like you don't want to work and just like most Americans, you want something for nothing. Dude you are good enough to call into Dave. Maybe consider getting a job calling people on the phone. You did a great JOB!

[@pspwilliams]

Right lol I been sick and had pain n soreness too And I’m still working lol

[@staceystrukel1917]

I was thinking the same thing. If it was an extreme injury he would be moving towards disability. He needs to get a job.

[@andidede3653]

He didn't work because he was in legal proceedings. He has to show he can't work; otherwise, his injury may not have stood as significant. Whole workers' compensation ordeal. Now, he has the check, and he can go do what he wants.

[@cozetteoconnor1289]

It could be depression. Isolation and injury are very difficult. I pray that He would take the first few steps in the right direction for healing from this. Seek first the kingdom of God and all else will be added unto you. The Bible also says to work with your own hands and to not be lazy of course, so I pray he would find a position that excited him and a career that is worth pursuing

[@theirmom4723]

@@staceystrukel1917 that may be his game plan

[@Beth_Agnes_Casey]

His mother was getting him to not pay the debt at all. Bad advise. He needs to be accountable for it and pay it.

[@BeaBelfastVideos]

This caller could have special needs or a low IQ, hence his mother being involved in his finances. Many adults need that extra help and that's OK. Kudos to him for seeking advice.

[@theirmom4723]

ummm...doubt it....his mom is just being a mom

[@queen.kristal8395]

Honestly I think he could find a job working from home. Use the 1/2 of the check or cash it to pay some of your debt off and keep some of it for a cushion until you can find a job and get income coming in.but before u deposit call All the debt placed first to get a payment plan

[@lilacspring2556]

An office job for example. Having debt with an injury is a dangerous combination

[@randy944]

UPS denied workman's comp? We're not getting all the facts.

[@matthewmorgan4765]

According to people I've known who've worked for UPS and had similar issues, they are horrendous about worker's comp claims.

[@kerristarr5498]

Happens all the time. I fell off my transit bus on the job....15 months off work/forced to resign with severe tbi and unable to work...workman's comp denying everything. Lawyer hired.

[@ravenestrella2310]

UPS is notorious for not giving workman's compensation! Doesn't surprise me in the least that they're ripping him off!

[@bellasue02]

I worked in a dental office and got hurt and mine was denied. The boss was untruthful about what happened

[@andidede3653]

The vast majority of workmen's comp claims are denied. They try to weasle their way out. Make you go to court and settle. Its probably cheaper than paying for everything else.

[@jwlsngold5026]

I understand him living with his mom to continue with rehabbing his back, but why is his mom involved with trying to settle his debts??!! The CC companies shouldn't even be taking phone calls from her unless she's a co-borrower or co-signer.

[@ravenestrella2310]

What's weird about this whole thing is that normally they won't even tell you what the reason for the phone call is unless they're speaking to the one legally responsible for paying off the debt. Makes me think she has to be a co-signer, somehow.

[@kanta8978]

As a former collection agent, it happened in numerous cases that young adults allowed us to speak to their parents. The agent will read a script (written by lawyers) that basically says that the person(s) in question can talk to collection agents, negotiate payments, know the numbers, etc ... They do not have to be co borrowers. Also, parents usually know that something's up because their kid's phone (and their residential phone) is most likely ringing 7-8 times a day from collection calls

[@kanta8978]

And yes, the bank/collection agency will attempt to find any phone numbers, including residential, to talk to the person owing money. Every number is getting phoned regularly

[@ravenestrella2310]

@@kanta8978 That's interesting, and good to know! Thanks for the insight! Would he have had to have been a minor, then, at the time he took out the loan, for his mother to have gotten involved without being a cosigner?

[@kanta8978]

@@ravenestrella2310 not necessarily. You can allow someone to speak to collection agents on your behalf anytime and at any age. For all the collection agents cares, they could speak to your dog. They just want their money!

[@georgewagner7787]

Once on judge judy she asked a guy about income and he was getting worker's compensation. She asked him where the injury occurred and he said at the bus stop. On television.

[@fhuber7507]

VISA's gonna stop accepting Mastercard as payment...

[@Jaybird-be1tt]

Hurt or not, disability or not most can work. Not saying police, military or construction worker. You can deliver food, drive people around, be a security guard. Don't send a personal check. Usee cashier's check or money order. Personal check gives them access to your account. Pay to delete removes it from credit report.

[@donaldrichey3318]

That’s workman’s compensation. Sounds like something is missing with this story.

[@thomaschew2191]

In 2011, I had a side gig and one Friday evening I broke my left tib/fib which required surgery --plates, screws and pins. It was an accident and my PT company took care of all the bills and my primary job continued my paychecks. For that reason and because I didn't want to milk this and my primary is a desk job, I had work brought home to me beginning 10 days after the accident and then returned to the office 21 days after the accident. I was in pain but I managed. I was late for work two or three days/week for several months to attend PT but I put in my hours. Not trying to say this guy is milking this, really don't know, but if he values his resume and if he wants to be independent of his mom someday then he needs to dig deep and overcome this injury. And I agree with Dave if he owes money he needs to pay now since he has the money.

[@reykennedy5716]

Always check the details of the loan. Some have protections for that kind of thing and will auto pay for you and such m

[@LittleMopeHead]

In a nutshell, I think Dave wants to say: "waaahhhh you took out the loan, you pay it off"

[@aznfrmshytwn]

Yea and dave filed for bankruptcy himself. Total hypocrite

[@pattyajones]

@@aznfrmshytwn Dave filed for bankruptcy when he was young, stupid, and had a family to support. You call him a hypocrite, but you follow his channel?

[@Lilbit2215]

I don't know why some people can't find a job working from home in his situation if they are injured or something.

[@stephon972]

do you know of any good work from home careers or jobs for those who are looking

[@vlonebully4074]

@@stephon972 IT field

[@Lilbit2215]

@@stephon972 no but if you go on Indeed they are always hiring. My cousin find a job almost every week

[@arga400]

He has been unable to work for half a year and he settled for 15k? I feel awful for this guy

[@jenniferwang3489]

Important to note whatever the loaner forgives is considered income and has to be reported on taxes,

[@barnabusdoyle4930]

This is what bankruptcy was made for. He has a long line of medical bills coming in that he doesn’t know about yet. He’s not working yet after a year and only got $15k from that settlement? His situation changed significantly bankruptcy may be his best option. That being said, how is he not working yet? A few months I can see, a year? Find income . How bad are the pains, what meds are you taking, are you still taking the pain killers, which pain killers are you taking. It may be best to reevaluate your medication and pain killer dose as they may be interacting badly or putting you into a mind set that the pain is worse then it actually is or even slowing your recovery.

[@anthonykence9954]

Oh yeah the associate Degree is a money maker.

[@Striker50_]

🤭

[@ragequit7389]

Its so worthless lol

[@jfresh2054]

An associates in business will get you NOTHING

[@staceystrukel1917]

Yep

[@crazykaitlyn]

it could help with a management position. I have a lot of customer service experience but I was never a supervisor role and I think that's what makes someone a supervisor vs a sales associate. even if it's not a huge jump, anything helps to show on your resume you don't just sit at home waiting for something to happen.

[@OFFTHEDOMEApparel]

He needs too start on online business while he's at home! ASAP

[@flea4061]

Dude, you have to go to work. Take charge of your debt and go to school part time until its gone.

[@TimeisUp22]

Two words. Software Developer. 120k career from a computer. Part time is 60k. Good Luck. 🍀

[@lynnebucher6537]

Sheesh, I was making a little under 100K as a senior level software developer with 30 years of experience. It boggles my mind that people are getting paid that much when they have very little experience. Goes to show you how they value the young over the old.

[@cooleobrad]

​@@lynnebucher6537 How long ago was this? I feel like that isn't too crazy for a smaller company, depending on your area. Though with 30 years of experience I'd expect you to be a lead or principal engineer at least. Glassdoor says the average salary of a senior software engineer in the US is $130k. FAANG companies pay around $200k as a base salary for senior developers these days.

[@siegfriedbraun5447]

Also, invest a thousand dollars in some testosterone pills.

[@pwade8080]

What a train wreck.

[@gettingitdone1.0]

This kid is just trying too work the system quite coming up with excuses and get a job

[@goalie2998]

This guy got scammed by the insurance company

[@cathy7824]

Pay your dept. It's really simple.

[@rayn1ful]

he said he had a settlement and there was a lawsuit , i live up here in Canada , why are Canadians so imtimitated by Americans ? for example i hear Canadians dont want to go after American companies legally , is that true are American companies are tougher then Canadian companies ?

[@davidturner3552]

NM resident adults of 1year can use the new opportunity scholarship tuition is free!

[@djpuplex]

Wow scary. This guy is out there in world walking around. If something happens to mommy he is toast.

[@missdesireindependance5194]

There are jobs where he can sit at a desk and make money.

[@MikeNapoli1989]

Totally !!!

[@alinatamashevich3354]

I call them attorneys!

[@snackman2005]

He can go to school but he can't work?

[@ravenestrella2310]

School, regardless of whether or not it's online, is sitting there, listening to lectures. Work is physical labor--that's far harder to do when you have a back injury!

[@snackman2005]

@@ravenestrella2310 There are many many desk jobs out there.

[@cooleobrad]

@@ravenestrella2310 Work is NOT always physical labor. That's an old school mentality. Some of the highest paying jobs (STEM & business) involve sitting in a cubicle or at a computer the majority of the day. The sector of work that involves sitting is only going to continue to grow.

[@edkennedy7952]

So let me get this straight....he was working for UPS, got hurt on the job and has no ins or compensation? Like most of the callers on this show I'm pretty sure we ain't getting the whole story.

[@dannwhitehead6193]

What happened to the car?

[@DoctorSmartyPants]

15k settlement? That's it?? Wow.

[@crazykaitlyn]

especially for ups. this lowkey infuriates me as someone who used to work on workman's comp cases. these jobs are asking for an injury, and they did nothing to support him once he fell. awful

[@shola7987]

He could of got alot more thru workers compensation.

[@Cosmo87-]

It’s annoying how often he says “yes sir”

[@thesig301]

I’m surprised he can’t get the job back once he’s healed

[@mrmentalhealthawareness5219]

Feel sorry for this guy

[@theirmom4723]

Key words: Get it in writing....Paid in Full

[@TheEdward1953]

I take it if he lived in the Ramsey home him or any of us would be working

[@Jumpman67]

“How much do you owe on your car?”

[@Rajnguyen2211]

you've got real nerves to be discussing such a catastrophe with Dave Ramsey. prayers goes out to Martin hope things improve

[@reveille4]

Sell the “dream car”

[@EmpressxAllison]

Working from home would work. Could probably swing full time with only one class to study for.

[@princessmeganelsa1901]

Yikes !!! 😳😳😳😳

[@nicholeknight1893]

How old is he?

[@18ulises89]

Is it just me or have we heard this story before?

[@Imshyheim]

Caller is lost & lazy!!

[@salg341]

Workmans comp/disability!? If he is unable to work due to injury he should qualify

[@noshrinkingviolet007]

Sorry this dude was i jured but it sounds like he was looking for a big payday and $15K is nothing, btw, so the lawyer took most of it or UPS just wanted to stop messing with it. I hear stories like this more frequently than I'd like where people - and I mean younger people - seem to not want to work and just loaf. How do you have any positivity in your life when you are looking for something for nothing?

[@tucoramirez9729]

Can't work but can go to school,,another deadbeat

[@DevylsAdvocut]

This guy is just lazy. If he were too injured to ever do UPS again and he doesn’t work at all now and has no disability, his injury wasn’t that bad. He’s all over the place and will never do anything of note.

[@Asif24960]

He sounds lazy and unmotivated.

[@jvolstad]

Join the military. Great educational benefits.

[@PInk77W1]

With a bad back ? Yeah. No

[@lisaowen7617]

The military might not accept him with a back injury.

[@johnmirbach2338]

😎✌👍👌🖖🤓

[@nateholio1]

Seems very lazy to me.

[@roolyfe]

Where is his father? Needs to man up

[@braskabani8011]

Start selling drugs for a couple of months

[@billnewell7786]

Dave is dreaming. I have severe arthritis in my back.and need sedentary work the worst. The first line of every job out there is must be able to stand for extended periods of time. Come on, Dave. Put up or shut up! Where is there a job for a man with a bad back? WHERE??

[@manvsdetails]

Liberty Mutual is hiring for remote positions that require no standing. Let me know if you need a job 👍🏻

[@cooleobrad]

Go on Indeed or LinkedIn and search jobs by "remote". Graphic design, customer support, data entry, tutoring, software programming/engineering/developing, UX/UI design, editing/proofreading, copywrighting, virtual assistant, remote sales, project management, accounting -- all of these have work-from-home or seated opportunities.

[@alinatamashevich3354]

ALDI!

[@francisbaffoe514]

First

[@wewhoareabouttodiesaluteyo9303]

Second by newest sorting.

[@scarpfish]

More importantly, nobody cares.

[@wewhoareabouttodiesaluteyo9303]

@@scarpfish You did, to comment.

[@lisaowen7617]

No one cares

[@wewhoareabouttodiesaluteyo9303]

@@lisaowen7617 You did, to comment.