I Lost My Job and I'm Scared

Amy recently lost her job and she doesn't have a plan going forward. She calls Dave for advice.
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[@scoobie8amg]

I dont understand how someone with no kids who makes 100k has no savings or retirement. She should be rolling in money.

[@roslolian11]

Traveling costs lots of money since she is single she probably blew her money on constant travels everywhere. Being divorced with no kids she needs a distraction and traveling probably became her passion considering she keep moving states.

[@Cookieboy70]

Living like she's in congress. Believe me I did that for a year, took 4 vacations a year and lived like a rock star in those few weeks. In that year my net worth actually decreased 2k even with an 80k salary.

[@TechEngineerSchool]

$1900 a month just to service debt

[@LittleHatori]

Ikr. Like scrooge mcduck rolling. But obviously she hasn't been the most prudent.

[@upfulsoul826]

@@Cookieboy70 That vacation year sounds fun. Good for you.

[@TonyPadgett]

I was fired at 51 and thought I wouldn't find anything else because of my age. I did find something. Don't worry....it will happen!

[@sarahburggraf861]

yesss. same happened w me

[@TonyPadgett]

It may take a bit longer, but it will happen

[@sarahburggraf861]

@@TonyPadgett 🙏 thank God

[@Eveningbreeze721]

Yes she is a project manager. She can find something. Needs to try the HIM industry.

[@canman5060]

Midlife crisis. Scary to many. All you need are trust and determination.

[@yamamancha]

"I can work from anywhere" Still choosing to live in a $1500/month apartment despite the simplest math dictating she'll run out of money in 4-6 months. This woman has spent too many years running away from reality, and now it's caught up big time.

[@shannon2748]

Dave acted like $1500 rent is a lot. That's 2019 reality. Many boxes cost way more than that.

[@Tendomcgoobin]

@@shannon2748 True, but he would also advise that she doesnt need an entire apartment to herself.

[@ethanking4954]

@@shannon2748 that's a one bedroom when I'm at.

[@inspiredcare2309]

she can go 30 minutes up into the county... defuniak, bonifay. she will find 3 bedroom 2 bath houses for 600 a month! location location location!

[@arleneaugustahair8393]

lovelyvegan princess I have a huge house for around that amount!

[@rikkifashionhouse6592]

All you have is yourself and a six figure salary and have nothing??!!! Every time I think I’m behind I stumble across a video. This is absolutely crazy

[@LittleHatori]

Ikr! It blows my mind. Like making 100k a year, whatever the taxes, I would have myself a nest egg- there should be scrooge mcduck vaults of money for whenever there is an emergency. It's weird how this isnt common sense! Squirrels- not matter how good the spring always save nuts for the winter!

[@armandol1826]

Journey to Finding Cam same here, I think I’m behind as a 19 year old lol

[@norcofreerider604]

Not only that, but $50k CC Debt, $24k IRS Debt and probably another $24k IRS Debt from 2018.

[@TheWeekendGamerz]

I learn from other people's mistakes. I will not allow this to be me.

[@MrT1-b5f]

I bet her facebook or IG if full of photos living lavishly and eating out everyday.

[@aptate1988]

Mr#1 🤣🤣🤣🤣

[@briansalter43]

Nyob zoo! Kuv tsis muaj nyiaj! Lol I am learning Hmong. Love the language, tones are hard.

[@MrT1-b5f]

@@briansalter43 NICE JOB! LOL. rice and beans then haha or in hmong its eat rice and water only.

[@carojames6776]

When you earn a lot you can't find it but when you earn very little you know exactly where its gone.

[@pawsnotclaws2772]

caro james yep

[@ericoxford7069]

I'm 35 and work with several people who are in their late 50's and early 60's. ALL of them have been through some type of job loss either through the company's bankruptcy, bad economy, or cut backs. So it's not if you lose your job it's when you lose your job so keep a nice emergency fund for when it happens. People that have 30+ year careers with a single company is pretty much a thing of the past. Protect yourself!

[@stephencullum8255]

Retired now. And realize how lucky I was. Forty four straight years of employment with no interruptions . Extremely rare. Most people will have several bouts of unemployment over their life time.

[@coachb2766]

How true

[@Eveningbreeze721]

This shows how important it is not to be in debt. You never know when your circumstances will change.

[@gregorypaine513]

Great advice. People need to be reminded of that!

[@unelectedleader6494]

She was making 3 and 1/3 what the median income is in the US, and still ran up 50k in Cards and didn’t pay taxes. Yikes!

[@_MsLady]

And didn't have kids either!

[@gamesofcontent]

US Median income is ~$46,000/yr. She made ~$100,000/yr, if your math checked out at 3.33 x's the median income you must not be able to balance a check book. That is barely 2x the median income.

[@amazinglats6020]

@@adamtatusko When did he ever say median household income?

[@amazinglats6020]

@@adamtatusko well a quick google search says the median personal income in the unites states in 2016 was $31,099. 31099 times 3.33 is about 104k so OPs math wasnt too far off and he wasn't wrong, he never stated median personal income but based on the math that's what one can assume. OP didnt say median household income.

[@wmurray003]

PERSONAL INCOME ...OR FAMILY INCOME... CHOOSE ONE.

[@hirambright9357]

If you make 100k a year, pretend you don't make that kind of money and live on the minimum, with a little bit of plus.

[@aldelgado9343]

Dave looks very dissapointed on this caller

[@jrc2976]

Al Delgado he is you can see at one point he rolled his eyes lol

[@Phant0mGetsuga993]

Who wouldn’t be?? 100k job and she only has 12k saved up?? 1500 a month as well, gimme a freaking break.

[@f.-j.j.5738]

If I was making 100k, with no kids, I'd be living on 30K-40k, and saving the rest... Edit: Whaaaaat? It was remote work? I would have been living in the cheapest city in America, buying at Costco, cooking all my food once a month (check out once a month cooking on KZbin, people)... Nah some people are out of touch. Why would you have $50 000 debt on a credit card? Whatever she bought on that card, if it's sellable, SELL IT.

[@kevinm8865]

Yea yea yea.

[@MoneyyMike]

U say that now

[@jessy6603]

All your points are right . It is just ridiculous the way woman messed up .. not paying IRS? She created all problems herself ... Getting laid off is a normal thing . But not having a contingency plan for that is dangerous

[@makeupgirl8886]

I would advise you to have some compassion for her. None of us are perfect and sinless except Jesus. You may need some mercy and grace someday. You could put your talents to good use helping someone else you know that isn't as good at saving

[@ullah8334]

Credit cards are a curse...so happy I worked hard and paid mine off AND CANCELLED IT. Was in more than $16500 debt with 24% interest rate charge....NEVER EVER AGAIN TILL THE DAY I DIE GET A CREDIT CARD!!!!!!

[@BrianErwin]

makes $100k a year, and wasn't paying any taxes on it.. ran up $50k in credit cards, and only has $12k left? with no kids.. this lady was traveling and living it up! and i'd guess she lost her remote job from not doing her job.. i work remote and while it's true that remote workers get a lot done since there's no micro manager there to annoy, it's equally possible to slack off and lose track of tasks

[@MFlint-un2tq]

Brian Erwin She’s 51, at this rate this woman will be working for the rest of her life.

[@linglee5759]

So dumb over 50 and been earning $100k+ / year and less than $3000 in her savings. The reason is she has been living a high life - going out and having fun, spending excessively and not grounded with family etc.

[@robioavion]

No retirement... no health insurance... no job... not much in savings... 50k in cc, 24k to IRS, late on taxes...renting at 1500 and refusing to move at a cheaper rate... no kids NO KIDS and making 100k a year?!? Please don’t do this ppl. Be INTENTIONAL, have a purpose and save MONEY!! There’s no excuse when you are living in America to be this broke!! NO excuse whatsoever!

[@XCVi_MAC]

Jesus id swallow my pride and take any job.

[@JD-qo7hm]

This. You're not that scarred if you've still got the luxury of being picky.

[@Nate-gj7pb]

@@XCVi_MAC JD was saying they agree with you. When they said "This". It means, "I agree with this".

[@ChrisInvests]

I agree. She should wait tables.

[@darrius1smith]

@@JD-qo7hm 💯

[@KManHU]

Chris Invests nothing wrong with that. I also did it and really enjoyed it while being an engineer:)

[@InvestingHustler]

Sometimes moments like this make you or break you ! The weak will break the strong overcome this and come out stronger more successful then ever 🙏 best of luck !

[@itumblers]

Love that!

[@mucleboy0151]

Facts strong people use failures as fuel not cry about failures because failures make success possible without failure there can be no success

[@amazinglats6020]

@@mucleboy0151 True, but most people like to use other peoples failures to guide their success, learning it the hard way works but it's definitely not optimal.

[@auntyuber5127]

I have had over 50 jobs. Work is a necessary evil. Hate it. I found redemption thru uber. 50 hour work weeks. Game changer

[@ChrisInvests]

aunty uber make sure you're investing as well 👍

[@auntyuber5127]

@@ChrisInvests Would love to invest, haven't a clue where to start.

[@ChrisInvests]

aunty uber I started my channel to teach people. Check it out.

[@Chet_24]

Just a basic S&P 500 index fund. You cant go wrong with those. Thats all i buy every month with my Charles Schwabb account.

[@ignazs.5816]

It's hard to feel sorry for this one. I have a nice chunk of savings by only being a waiter at a restaurant. If I had a 100k job for 10 years and been laid off by 51, I'd have the ability to retire to another country. What a wasted opportunity.

[@mercuryrising2424]

You are 100% right. It's sad that so many people believe that saving is a waste.

[@laz7354]

No. If we're a man you'd feel differently.

[@robreich6881]

People are retarded

[@Rahmonic]

51 years old was making 100k/yr and have almost nothing to show for. Seriously people stop wasting money and save so you don't have to be too dependant on your pay cheque

[@aniediumoren7213]

Or reinvest in real estate and rent that real estate out. She could have saved for a year and set that up easy.

[@markg999]

As you get older those good paying years were wasted...as many business will rather promote a younger person and pay less than pay a 50+ year old higher wages. Many people are a few months away from no paychecks really being in a horrible situation.

[@susancraigo8218]

No pensions either. You have to start saving in your younger years for retirement at lower wages and high student loan debt. I can't remember when a company gave more than a 2% wage increase, and your insurance premiums go up about the same, so there is really no raise to keep up with inflation. You have to change jobs to get an increase. You walk away from 401k match money because your not fully vested. When you reach 40 and lose your job, you realize you have to take about a 20% pay cut. Yes, saving is the right thing to do, but I can tell you that many of my emergencies have cost more than $1k. Some of the basic car repairs can be expensive if your car is out of warranty.

[@jeffkline9191]

Absolutely no excuse for this mess.

[@Ms.MD7]

I cannot feel bad, there's just no excuse

[@juryboxlynn]

Man, people really don't know how truly lucky they are... $100k a year. I couldn't even imagine. I've been living on $15k or less since I've been independent and it is HARD.

[@MoneyyMike]

How is that lucky? lol how u know she didn’t work hard to get that status? Yea she was dumb and squandered the money but luck didn’t have anything to do with her getting a high paying job

[@makeupgirl8886]

That would be hard. How are you doing it?

[@reesercliff]

@@makeupgirl8886 welfare

[@samuelnicholas6847]

I see why the ex-husband ran like a cheetah. 🙆🏽‍♂️🤦🏽‍♂️

[@ChrisInvests]

With the proper savings and investments, it will be much less stressful if you do lose your job

[@clericstorm2009]

I hate to say it but i see why she is divorced. She is super scatter brained. Made 100k with no kids and only saved a few thousand, and didnt pay taxes and ran up 50k in credit card debt. Yikes! She probably has a terrible credit score and employers are rejecting her based on that is my guess why she cant find anything. She also probably reeks of desperaion in interviews. She should get a lower paying job and get her sh!t together, then move up the career ladder.

[@deshawn1801]

I’m 25 unemployed got bills stacking I’m trying to stay positive but it’s hard I’m looking for jobs in the oil field just looking for a fresh start

[@DrogoBaggins987]

I'm in almost the same position but twenty years older. Dave's advice is great but you need to make money for it to work. Best of luck to you, we're all in this together.

[@larryy6467]

If you still cant get hired. Go into the navy see the world

[@calvinraab8798]

It's crazy how many people will be in this situation if there is a market crash!

[@JohnNovakovich]

*when. Storm's a comin. I just hope I can graduate and get a "real job" before the recession

[@canman5060]

Because people in general are not educated to learn that cash is always the king.

[@antbanks415]

and i will capitalize on their mistake!!!

[@XxChuyoxX]

Lar M Assets are king

[@EppingForest304]

I don't understand the "Nomadic" lifestyle... everyone needs to find Homebase eventually

[@forbin1185]

EppingForest304 naw that wasn’t nomadic, that was the jet set!

[@hollyblain1032]

Dave is a very smart man. His knowledge is practical and logical. It's 2020 and alot of people are dealing with situations similar to this woman. I just got laid off and this was helpful...

[@ahumanjustbeing2466]

"I've been laid off more than I've been laid since 2018!"-her ex

[@larrybud]

I don't see this woman waiting tables. She's been living the high life.

[@alicronaldohitman]

Do uber until u find a decent job

[@Winston0Boogie]

*Sobbing* "I'm calling because my main concern is that I lost my job" - caller "Oh. Okay!" - Dave Lol

[@MrsThollo]

Dave is so funny. I'm told I do the same thing, though. 🤷🏾‍♀️

[@hunterradcliffe3089]

I find it odd how people start the conversation by getting asked "how are you" and they respond "I am doing good!". And then 10 seconds later they start tearing up and explain all the problems they are having... Like obviously you aren't good and that's okay, but why lie and say your good when really you aren't?

[@jesus4lyfe00]

Lol

[@kevinb8881]

Lady, when it comes to the IRS, you don't do what you want, you do what they say!!!

[@melissacochran437]

Absolutely!

[@mucleboy0151]

You still hear the ego too amidst all the crying too??

[@mucleboy0151]

@Josh S Walmart better than no income at all and crying on Dave's show

[@jojo-eb1ib]

It scares me when people cry then just stop, like a light switch.

[@neonsmores78]

Control of emotions great power in trying to attain

[@anthonyquinn5927]

jo jo amen!!

[@larryy6467]

Jo jo siwa

[@DanielGarcia-zz9eg]

Say hello to uber!!!!! Till you get a job

[@jdord4838]

Whatever your going through give it to God through His son Yeshua (Jesus Christ). Miracles do happen and God will never forsake you. I have been unemployed several times but God always made a way. Save while you do have a job for a rainy day and use wisdom. GOD BLESS

[@clair233]

Keep pushing forward, Amy, everything is going to work out

[@josephjackson4599]

Lol @ Dave rolling his eyes @ 2:51

[@josephjackson4599]

Sun me too. I am glad Dave has lightened his tone with people. Years ago he was pretty sarcastic. But I still enjoy these videos and the Babysteps program

[@patty109109]

I also replayed it to be sure.

[@AnnMitt]

A business manager who failed at managing her own life...

[@lookingforsure]

100k salary, 74k in debt and only 12k savings, mostly in crypto currency. People are looking for troubles....

[@ChrisInvests]

Some people just don't know any better 🤷‍♂️

[@matthiasl4493]

What's wrong with crypto? Dave clearly doesn't know what he's talking about

[@common_c3nts]

Crypto is no different than any common stock. Just like wallstreet stock, it has zero value except if you can get someone to buy it from you. But with her debt level and no retirement she is stupid to be gambling on stock or on crypto. Wallstreet = gambling.

[@marshaabrady5191]

Matt Hiasl there’s nothing wrong with crypto, it’s just way too volatile to hold your life savings in unless she bought in 2014...even then it would have been prudent to sell at the ATH... crypto is very risky and you don’t put your life savings in a risky asset class

[@mementomori29231]

@@common_c3nts holy cow... Crypto is Gambling vs investing in stocks (which is owning fractions of businesses). Are you insane about crypto being same as stocks?? I can't people are so ignorant about crypto. Crypto itself has no intrinsic value. It's like investing in the Peso except it's not backed by any regulatory government body and can be easily manipulated and be created by any random Joe off the street. I can't believe you watch Dave Ramsey and are so ignorant about crypto.

[@whitneyw.7919]

I feel bad for this lady. She seems like she has a history of making bad decisions.

[@PinkDiva73]

The IRS will place the account on hold/freeze until she becomes employed.

[@christiansgrandma6812]

I understand her pain. I am 60 and my boss just passed. No company benefits to consider. Thank God I saved $5000 and paid out most of my bills. I'm now down to$15000 of debt. I pay $975 for rent including utilities, and that's cheap where I live. So far I've paid 2 months of my life and car insurances, phone bill and medical bill in advance the other day. I have my moments of panic but I am okay. This ain't my first rodeo. 😃

[@mercuryrising2424]

I hope you worked your way out of this. My heart goes out to you.

[@queen.kristal8395]

She should leave panama and get a Lower paying job.trying to get another 100k job is not going to be easy to find and can take at least a year before someone can really trust you to hire you.Get another job or get 2 jobs.

[@ALXSSA]

Awwe i feel so bad for her, i hate to hear people cry 😦. i hope she can get all of this sorted out🙏

[@DrogoBaggins987]

I don't feel the least bit bad for her. She made 100K and is too old to have excuses.

[@staceyheller7525]

I would not purchase dazzling sneakers and a brand new car if I were to get laid off and we to have very little in savings! I would settle for any job such a full time cart/shelf stocker at a grocery store. In other words, I would not wallow in self pity!

[@15chioma]

I hate being judgmental but gush people really gotta realize life isn’t always gonna be rainbows & flowers. A single woman with no child who made 100k a year only has 12k saved at the age of 50..

[@omnyakat5560]

Oh man you should’ve let her keep that crypto.

[@roseannepryor4068]

Dave I love you so much! God gave you a special gift❤️. You truly help people in despair!

[@chrism7067]

0 sympathy. she makes 3x what i do currently, no kids. You could have easily payed taxes, lived decently/well on 50k a year post tax (living by herself) and having 30K or so into investments/savings for later. Did this to yourself with really bad decisions

[@forbin1185]

Chris M RIGHT!!! who’s she trying to impress her “girl friends”, women r fake! Men would date a homeless girl if they’re pretty enough!!!

[@blackworldtraveler3711]

I avoided women like this a few times years ago right along with single mothers. She’s her worse enemy.

[@onelliadurbin1654]

I am a single mother very successful. I don’t need financial help..you a wrong buddy!!!!!

[@sarahburggraf861]

the eye roll...love it. Ramsey a savage😉

[@Ericbryanmr]

Used to earn $100,000. Is $50000 in credit card debt, won't pay off debt to irs for another 60 years, rents @ $1500 and has $12000 in cryptocurrency. Someone was greedy and stupid.

[@MikeyFFA500]

I bet she has a lot of nice clothes...

[@juryboxlynn]

Not to mention she owes tons of money/has so much debt and no health insurance or retirement saved... WOW.

[@moniquewrites9046]

Do you remember when you were a child? You ate, drink and slept under a roof. You were taken care of completely that you had no mean doing now. Your trust was in your parent or guardian. They made sure you had everything you needed. You didn’t so much as to live a finger to get a meal. And here you are today. Today is no different. Today you are that child and your father is Our Father who is in heaven‘s name is holy. He will take care of you just as a child. As if you were that child, trust the Father and his Provision.

[@wyndcharmer]

Felicia Moniq this philosophy creates a lot of adult children...

[@donnafontaine2799]

Love your comment very interesting

[@dons4665]

Got to live within your means.

[@strothermartin5368]

That's why I have no children. The economy the world we live in.

[@Irene-gq4jr]

Expenses expand to fit your income regardless of what you earn. My office closed and we all got binned after being there a long time. Everything changes, it's very real and scary, even with a good payoff. The fact that life as you know it is being turned upsidedown can be pretty overwhelming. I real feel for this woman and hope she listens to and acts on Dave's advice. However CPTSD is a real possibility. I stuck in and 4 years on I still have the same roof over my head and all is well. But at the time the fear is real. It will be ok.

[@ChrisInvests]

Irene yes, you must resist the urge to spend your entire income

[@Irene-gq4jr]

@@ChrisInvests That can be easier said than done for most people, who are spending what they haven't yet earned! I'd set my life up to be able to live on two-thirds of what I earned, so I wasn't overly concerned. It's still very unsettling when you have been in the same job for a long time and have no idea what the future holds.

[@ErrorPagenotFound-ig1cy]

Good Lord so much red flags

[@2passportsandpostcards]

Real estate sales are so risky if your strong-suit is not budgeting... Something overall just doesn't add up though. She's been spending way too much if she did sales for FOURTEEN years and then had a $100K job AND managed to put herself in so much debt, with NO retirement. Honestly, this is TERRIFYING to listen to. *cringes*

[@peten409]

There's a failure to file penalty which filing extension stops and failure to pay penalty which isn't super high. Filing extension gives you 6 months to get it together without IRS demanding money. Probably not a big help to file extension but I'd think it thru first.

[@pimpballer3]

Crying is not a baby step

[@mikenelson8377]

pimpballer3 I’m sure you would cry if you lost your job and had debt to answer to. Just sayin’...🤷🏼‍♂️. Ya, her predicament is awful but beating someone up over something that they’re gonna fix in due time.

[@pimpballer3]

Mike Nelson it’s a joke.... count to 10 and breathe

[@emsea1658]

@@mikenelson8377 she is the sum of her own actions. she made 100k a year and has nothing to show for it but debt and destitution. her only investment of 8k after her checking is high risk cryptocurrency. that's pure insanity. she did remote project mgmnt on contract and did not even set aside money for taxes and owes the irs 27k. CRYING ABOUT IT IS NOT A BABY STEP lol

[@lady56725]

I feel better with my $15k total debt after listening to this.

[@cherrytung]

Wow 100K that's some good money! And it's remote? what???

[@Cookieboy70]

Right! She should move to a cheap country. Making USD and spending local currency she could live like a queen!

[@cherrytung]

@@Cookieboy70 Yea she would!! That's a lot of money for many places in Asia

[@dexterm1285]

Philippines, she could live very well and bank up if smart.

[@cherrytung]

@@dexterm1285 She could be living the dream!

[@antbanks415]

poor thing. But she needed to be saving instead of blowing money away.

[@nitroboxster4267]

Lol when she started crying when she said no kids, nobody cares just hurry up with what you gotta say

[@et5895]

Invest in some therapy lady!

[@konrad6995]

The more videos from Dave Ramsay I watch, the more I am amazed by the lack of financial education young people receive, not just in the US. Glad to have discovered Dave at 28 and not 58. Just made a detailed monthly budget and it feels great!

[@DrogoBaggins987]

Outstanding. Keep up the momentum.

[@scaldon2]

I feel so bad for the lady . But this divorce culture in America is wrong. God hates divorce . It's crazy that her husband left her . Marriage is til death . Hopefully she's ok .

[@edgehodl4832]

Omg...... no savings at 51 and top of that debt to the neck , God help her

[@DrogoBaggins987]

God helps those who help themselves. This lady is a train wreck.

[@LaDeeDah]

100k a year. I cant deal with these people

[@ChrisInvests]

Lack of planning 🤷‍♂️

[@pitt5674]

Keeping up with the joneses!

[@QueenBoftheQueenCity1]

Whew.. I thought my 7k left on my car note was a prison sentence until now.

[@donaldrichey3318]

At 51 this is a tough situation. Zero retirement, a lot of debt, and no direction in life. She can live anywhere according to her earlier statement. I am guessing living a slightly glamorous lifestyle that she can’t afford.

[@1.5Koreans0.5American]

Where did she spend all the money? I lost my job and I have over 3k even tho I only earned around 40k a year. And I've been only working 3 years! She must have been working for more than 5 years!

[@luispaz180]

It sad that people don't know what they have ..... People don't know the difference between needs and wants and they spend everything that comes in .... Growing up in a third world country many things people have it too good and don't realize it

[@Kitiwake]

Being scared is good.

[@Accune]

May Jesus comfort this woman.

[@christfollower122491]

Accune comfort is what got her into the mess in the first place. This is going to be great for her. I hope she finds Jesus through it.

[@alexc5369]

Can someone explain why people say that God sacrificed his only son for us when he brought him back to life 3 days later? Isn't that like someone donating for charity then asking for their money back??

[@TheToadChild]

She made a lot of errors but given her income potential she has a lot to look forward to as well.

[@Magdalena287]

I bet she wishes she had focused more on building a family than her career now

[@juliareadscottishpiperandh4861]

I feel like you might be a Rabbi Lapin listener :-) A very wise comment. Young women are being influenced into careers in our culture, but the long term sacrifice of later years and not having a family is not worth it. Where are all the work colleagues that this woman worked with in the past. Are they there now supporting her, given what she gave up for them. Nope.

[@ChrisMFlorida]

So she has 12k is investments and savings and makes 100k... Wrong choices

[@emsea1658]

4k in her checking and her only investments of 8k are cryptocurrency and not a broad index fund? insanity

[@clydeshannon8669]

The problem with people making judgements about other people situations they don't know nothing themselves

[@ChrisMFlorida]

@@clydeshannon8669 then quit making judgments geez louise

[@clydeshannon8669]

@@ChrisMFlorida lm not making judgements on any body we need to careful we all live in glass houses we can't throw stones

[@JK20239]

This is why i plan on not having a family or kids. Its too risky in this economy.

[@kevinb8881]

You and me both!!!

[@strothermartin5368]

Josh you are RIGHT!!!!

[@auntyuber5127]

My kids have four paws. Best decision I ever made

[@michelhanson1500]

Same here. Where I live, the people that thrive in the economy are the ones that will take FULL advantage of your ignorance, they are counting on you to be stupid and have kids you can't afford in order to enslave you.

[@missdesireindependance5194]

True

[@AlternativeImmigration]

I lost my only income at 49 and thought I wouldn't find anything else because of my age. Yes, I did find something. I made it. Don't believe....it will happen! NOTHING will gonna happen - you have to make it!

[@LexCinnabon]

A few years from now I’m almost certain she will regret cashing out her crypto investments if it was BTC, assuming she has absolutely no other options.

[@sinamen516]

File for unemployment and freelance online. I see jobs on Indeed all the time for remote project managers

[@blackspiderman1887]

This is what people having no accountability look like. She have no kids make all that money and still have so much debt. Then she calls and crying to papa Dave like he's supposed to pay all her bills. People would dream to be in her position, and she fbew all that money and have nothing to show for it. Not even retirement

[@anonamous365]

Whooo whooo train wreck

[@rcairforceone]

I live in the panhandle too. If you are successful with project management, you can find something around there. Look at GS positions on one of the many military installations around there. Tyndall AFB is going to need some major help when the rebuilding starts. It sounds like you have the qualifications, put em to work.

[@lizzielou742]

But if you don’t pay the credit cards until you get a job, and that takes more than 90 days, your credit score will plummet. Has Dave ever addressed this?

[@moniquecastelo]

He's always said you shouldn't care about your credit score

[@KAGEFOREEVER]

he's saying you have no money coming in. dont spend your nonrenewable resources at this point. credit score means nothing if you dont have money to pay rent/eat

[@XCVi_MAC]

Monique Castelo lol you need credit in this country.

[@moniquecastelo]

​@@XCVi_MAC I didn't say I agree with Dave's mindset 😉

[@tinkmitch8292]

If anything she needs to call the credit card companies and tell them. Maybw they can defer payment for a few months but if literally dont have the money to pay them then you have to pay for the necessities.

[@conek2]

When Dave first started to advice against cryptos there were a lot comments about how wrong Dave is. I see none today.

[@SoundCityNetworkTMMain]

Once institutional money comes in the crypto space, the conservative estimate of the marketcap will be 3 to 5 trillion. Buying the right crypto right now is a good investment. I day trade them and making an average of 1-2% a day or 30% a month is way too easy. Then i put my money in mutual funds or ETFs with a good track record.

[@FaintAura]

There are plenty now.

[@jordanward4205]

I'm a felon on Florida and can't find a job because of my background HOW CAN U HELP ME

[@reesercliff]

move to mexico

[@DanielGarcia-zz9eg]

Come on over to Texas. Look for work, while looking sell homes

[@michelerabbetts8811]

Oh my g d I’m panicking just lost my husband and I have not worked I have anxiety after losing my parents and brother now I’m scared what will happen to me I’m crying no family or support system .

[@elliem143]

Can you imagine how much money she would have save seeing how her position was remote? It’s embarrassing that she’s a grown lady with no kids and didn’t twice about saving

[@Ms.MD7]

100k a year and barely saved anything...😒 C'mon ppl, be smart with your money