I'm 27, Living with My Parents, and Delivering Pizzas...

[@ALEX336X]

27 years old, close to 30k in savings, no debt, no kids. This guy isn't doing as bad as he thinks he is.

[@WyattH]

He has debt student loan debt

[@TWO515TY]

@@WyattH his savings is greater than his debt. He could easily just pay off the debt and still have way more in savings than the average person does.

[@Silveryback]

Good point

[@kaiung7542]

@@TWO515TY No he wouldnt lol

[@jessa9877]

It's just usa's weird idea that houses can't be multigenerational.

[@g.t7380]

He's definetley depressed, as someone who went through depression, sounds like me. He's lost and lacks motivation.

[@musicpro7278]

Me af I use to work 70 hours a week and I managed to save 32k and im only 23 but I went through depression and I don't have the motivation I use to. To work the same now

[@pappucharlie]

True

[@stockpile2137]

If he has the motivation to deliver pizzas every day, surely he can find the motivation to build a more successful career.

[@musicpro7278]

@@stockpile2137 i dont want to be that guy but it takes no motivation to deliver pizza. I use to do tht

[@stockpile2137]

@@musicpro7278 It is a chore, to do it for years. I give him props.

[@om617yota8]

When Dave puts down his pen, you know the caller doesn't have a financial issue.

[@Imhere12345]

Good catch

[@adejahmichelle]

🤣 right

[@DeionSardines]

😆

[@Mehwhatevr]

he almost looks disappointed when he puts the pen down. "Oh man, I was hoping I'd get to give some financial advice."

[@eaglesandeaglets]

😂😂

[@Doors067]

Dave every episode: go deliver pizzas Guy calls in: i deliver pizzas Dave: bruh....

[@BullMat55]

Poor fellow... I feel for him too... He sounds depressed and when you are its hard to find the motivation to do anything... at least he was working...

[@melaniegriesemer]

😂😂🤣🤣🤣

[@aw2584]

I was expecting dave to tell him to get a second job delivering pizzas for a different company, I mean he himself claims his advice does not change no matter the circumstances as they are universal and work for everyone soooo 😂

[@BeerStearns]

But this guy isn't drowning in debt. He doesn't need two jobs - he needs one better job.

[@UnderMyPalm]

@@BeerStearns is the only one who gets it. Different circumstances come with different recommendations. That's how ...uh everything... works.

[@rickazca774]

$29,000.00 in savings?! A ton of folks would kill for that these days.

[@Originalman144]

I think this was a semi-fake call. With $29k in savings why would this dude be living at home at 27 years old??? He can rent a room for $800 a month in Charlotte.

[@brittanyleondike4823]

His net worth is over -60k don’t want that money if it comes with that price tag

[@skillfuldabest]

J Williams definitely not fake. My bro is close to 40 and has quite a lot of savings but lives at home (he pays rent and lives in a mansion).

[@TortoiseCashFlow]

@@Originalman144 I don't think it's fake. I don't live with my parents but I live with my fiance and her dad. I'm only 23 though but stacking money like crazy. 60k so far. At this rate I will be able to buy a NICE house in cash when I'm 30 (if I wanted to) I actually plan on getting a mortgage in a year or two for a RENTAL property, and just continue living as I am. One day I'll own my own house. But for now, I aim to retire early (hopefully in my 40s) if I bought a house now i would not reach that goal. I would be working till I'm 53-60 which is not what I want.

[@MariusNinjai]

@@Originalman144 maybe he wants a stable job before he moves

[@Barweezy]

He doesn’t lack the credentials, just the ambition.

[@NeccoWecco]

Confidence* not ambition

[@Shane-fh4uu]

@jjcampbell80 those all more or less overlap but the big thing he's missing is motivation. He clearly doesn't have a goal in life, doesn't know what to do. He needs to start applying for 5-10 jobs a DAY and putting in some actual effort in order to change his life.

[@michellewright99]

@@Shane-fh4uu He has a goal. He said he wants to be in HR. He has a misconception about what is needed or the process to achieve it.

[@michellewright99]

@@NeccoWecco agreed

[@redcomic619]

My problem too. Never had the ambition to succeed. Working to change it now thanks to Dave Ramsey.

[@NeccoWecco]

I'm in the same position. Moved back with my parents at 26 and starting over. You can do anything you set your mind to, young man. The hardest part is believing you can do it.

[@andrewcecce]

You can do it! Just stack that cash. Uber eats is doing good right now

[@chuckhockey9632]

Instacart is great for helping old people

[@RawDogTV]

How much bread you got stacked up?

[@NeccoWecco]

@@RawDogTV 1 month out from being debt free

[@charliemvrphy]

Same boat. Forced to move back in with my parents after the end of a serious relationship. Debt free, 6 months of EF, and finishing up my degree. Not at the point I’d like to be to be able to move out but I’m working towards it!

[@jconny65]

give the guy big props for saving though! there's a lot of people in his shoes who don't have anything saved.

[@jconny65]

@Dr. Johnny Sins doesn't matter. he has nearly $30k saved up and shows that he's willing to work. he just needs to keep moving forward.

[@BeatzByTaylor]

Dr. Johnny Sins Thats mostly false. Im 23 and most people around my age right now in my state are all living with their parents because rent ANYWHERE is ridiculously high and near mortgage money. Nothing wrong with living with your parents to save money if they allow it.

[@SisyphusJP]

Dr. Johnny Sins HA 21? your not from Any city I know.

[@NT-bz5nh]

Many people his age don’t have savings like that. Good for him. It doesn’t matter if he lived with the parents. He’s used his time there to save up.

[@IAmTheWanderingSoul]

Dr. Johnny Sins typical boomer

[@ariantabibian2616]

Always remember you are one step away from changing your life. No matter what situation you're in there is a way out. Wishing you guys the best today!

[@buildecommerce3643]

Thanks man, love the content

[@umairahmad4711]

Gave me hope 💰

[@majakrolsbeautychannel8701]

Thanks for the energy, I love your content by the way

[@majakrol7563]

Such a kind spirit :)

[@PlainAndChelsea]

Phew 🥵

[@blakliffy]

Dude needs to stop with school. Job search.

[@blackworldtraveler3711]

blakliffy Would seem like a good career to be in right now.

[@DeionSardines]

BlackWorldTraveler what the pizza 🍕 delivery?

[@blackworldtraveler3711]

HeySmartGuy 98 Human Resources I think that’s what HR means.

[@MoltarKaio]

Sometimes we use school as a crutch when we don't know what we want to do in life.

[@TimeisUp22]

He has 29k in savings but lives at home delivering in pizzas. He seriously doesn’t know what he wants to do with his life.

[@Elizabeth-yg2mg]

Guy sounds a little depressed; needs this sort of advice and support to get a goin'.

[@vraja5]

Agreed. He sounds like he wants better but doesnt really understand or believe that he has what it takes to get it. I feel for him.

[@eppsislike]

He got 29k in savings. He's doing quite well for himself.

[@angelgjr1999]

eppsislike He can low key out a down payment on his own house. I hope he has. A good credit so he can buy a house.

[@shannon2748]

@@angelgjr1999 True. You can make a down payment on a house with 10k. Something else is going on with him. Maybe depression is halting his growth.

[@angelgjr1999]

tulips Yes anxiety and depression

[@joepic85]

You can do HR with a psychology degree. It is VERY related... you don't need to get a HR degree. My HR teacher in business school was a Psychology professor..

[@maritzajaner8935]

My husband is in HR and has a political science degree, so this guy has no excuse haha

[@maritzajaner8935]

@Diem Golightlyyep, all that matters is having a degree in something. He doesn't even need the certification to get a good job in HR and most places will pay cover the cost of the certification too.

[@I.amCrystal]

Yess!! That’s what I’m always telling people who are in college/graduated etc. Majority of the people including myself have careers that are not close to what their major was. Will mines is similar but the industry I preferred is different. You really just have to start somewhere and build skills and a foundation to get to where you really want to be.

[@holybritches]

So very true. I am an HR Mgr and have a finance degree. Having a certification, such as a PHR or SPHR, with any degree is all that's needed. Experience counts more.

[@I.amCrystal]

Kry Kry once I graduated undergrad and had interviews there were males in hr who would interview me but I’d definitely say more women than men were in hr

[@livingunashamed4869]

The guy will be debt free by today and has an emergency fund. I would find a roommate and get a cheap place then start looking for higher paying jobs. He's not in bad shape at all just need to keeping improving.

[@MrsEJV]

Kevin B As a parent, I’d be charging him modest rent. Letting a kid Coast for 27 years gives a mindset that life is a free ride.

[@SuperShadowboi]

Right $29000 in savings and $9800 in student loan debt, I would love to trade places with him.

[@MrsEJV]

kellen gray Your Mom won’t pay your way? Awwww. I certainly wouldn’t expect my kids to pay the going rate but I’d certainly expect a weekly contribution, fixed amount, don’t think about skipping it. I paid $80/mo to live at home - in 1965. It was my first obligation. My friend likewise. Her parents saved it towards her wedding but she didn’t know that (and she was an only child). I moved out as soon as I turned 21 (super toxic environment), but back then it was pretty much expected you lived home till marriage. I didn’t marry till 34. Never would have lasted 13 more years! And paid for my own wedding.

[@livingunashamed4869]

@@MrsEJV Yeah I pay $400 a month living at home.

[@MrsEJV]

Kevin B Good for your parents. In reality, that covers your groceries. Hope you help out some. I’m pretty old school.

[@realtor341]

I’m 52 and still living with my parents and working part time at the Home Depot. There’s hope for this guy.

[@modupeolawinjobi4960]

@Abuelita * shut up

[@realtor341]

Rent cost $2000 a month. My parents don’t charge me rent.

[@gatewaysolo104]

@@realtor341 not to be rude but what is going to happen when your parents aren't around anymore?

[@anton-ou2lg]

You are actually a pathetic human being.

[@kj3776]

@@anton-ou2lg I don't get it. Your circumstance says nothing about your character.

[@jonm.678]

I don’t get why Dave recommends people moving out. Why not get the job first, while building more savings and then move out? I don’t know why Dave harps on that when, in most cases, living at home will save you lots of money that can be used to help build wealth at a younger age.

[@hiiij9638]

ive seen this in a lot of caucasian homes. their parents kick them out once they're 18. they should motivate them to save and do a trade if not college or something so when they're ready they can move out

[@ToastyMcNuggetLuvr]

Because the dude has $30k in savings and needs to stop feeding off his parents. By your logic, why not live off your parents kindness for all of eternity?

[@johnmarston16]

Moving out before you're married is an American thing, not sure why. It doesn't make any sense to waste money on housing when you don't have to.

[@hiiij9638]

@@johnmarston16 I live with my parents and help with bills and help cook and clean . It's an american thing I don't understand. They want your child out of the house once they turn 18.

[@hiiij9638]

Ok that I understand. If I had 30k in savings I'd buy a house and move out lol sounds weird

[@Teamshmo]

I think this how a lot of kids feel. Parents and teachers make it seem like you just go to school and jobs are right there waiting for you after. They don't tell you how to actually get the job. Most kids think go back to school and try the process again. It's never gonna work. You just gotta keep applying and pray you get something. Once you start and learn a little more things become easier. The next job you already know what real working is like.

[@BenjaminButton6573]

So so true. You got to get a job any job after school whether you like it or not but once you get your foot In the door learn a thing or 2 then you can move on to something bigger and better. Really you need to just keep pushing foward.

[@Teamshmo]

@Sponge Bob he has no life experience. Everyone thinks once you turn 18 you're an adult. Idk why? Unless someone has taught you to do something you aren't gonna know. Doesn't matter your age.

[@Jazzman2476]

@Sponge Bob 25 years old. And clearly he doesn't know what adulthood is.

[@Jazzman2476]

@Sponge Bob 25 is the answer to ur question about when those rights should be returned.

[@Jazzman2476]

@Sponge Bob At a certain age, you would have to have an agreement with ur parents about your responsibilities in the house. They obviously can't treat you like ur 16,17 anymore.

[@christianaalagbe6380]

He’s a good saver. Doesn’t sound like he has the energy to deal with people.

[@martinmi5]

He sounds very low energy

[@aa-qx1cg]

@@martinmi5 he's probably depressed. he's 27 living at home delivering pizza

[@martinmi5]

@@aa-qx1cg Perspective is everything I guess. People from other countries would kill to have his life

[@aa-qx1cg]

@@martinmi5 well we aren't living in other countries we're living in this one

[@martinmi5]

@@aa-qx1cg Be grateful for what you have

[@davidliang913]

Hit the nail on the head with this one. He has everything he needs to get into HR. All he has is a mental block.

[@grod805]

What if no one gives him a job?

[@ninezerotwo1778]

What if he didn't want to get into HR though? Could this work for someone vying for a less generic career?

[@Prostudios-xq4xq]

The current job market is most likely the block.

[@banksterkid5930]

.... And ... He's the one with Psychology degree ( face palm emoji)

[@reed311]

Delivering pizzas isn’t the type of experience you want if you are going into HR. Yeah, he has a degree, but a degree without relevant experience is almost worthless. Lots of kids have found this out the hard way.

[@zaidchalabi1599]

why move out ? i lived with my parents until i got married at 28 and had over 100k savings with 120k job its not about money. living with parents if they cool is awesome. i miss living with them. my dad is my best friend and they have a 5000 sqft house so i didnt have a “space” issue. eating mom’s food daily is the best. why move out if not married. you get to see your parents daily and help them too cuz they old repaying some of the life they gave you

[@SephoraQueen2k]

Can I ask you a question? How were you able to find a wife living at home? My struggle is dating while still living at home saving up. It just seems weird and impossible to have a single social life while living at home.

[@zaidchalabi1599]

SephoraQueen2k im a simple guy i got out of college focusing on school. i have close friends i hangout with and come back home by evening. i dont smoke, drink, party. so it was simple. my best friend is my dad. our age is close so we go to baseball games and movies alot. as far as wife, im middle eastern culture so we dont have girl sleeping over or things like that. i married my wife 6 months after knowing her. we go out once a week and she met my parents few times before getting married. simple

[@SephoraQueen2k]

Zaid Chalabi lucky you. I’m 28 and still single. I know I have time. I just feel like living at home is causing me not to date since I respect my folks enough not to have people over... makes me want to move out even more but the amount I am saving from staying home is too good lol

[@zaidchalabi1599]

SephoraQueen2k listen. dont just base your future on dating. its awesome that your respect your folks. and most of guys are useless these days and not serious anyway. So focusing on saving/future is way more important. once you married and have kids, it will be very difficult to save. I bring home $3500 biweekly and with wife and 3 kids and mortgage and no debt, im not saving any. i do live pretty good life but if i didnt have nice savings, house downpayment and good job and no debt, i wouldnt be able to make it. focus on your future,education, job then good men will come. all it takes is one good guy. 9 out of 10 will be idiots and not husband material lol but dont just move out of house for that reason :/

[@queenleo5578]

SephoraQueen2k I’m 28 living at my parents moving out by the end of the week. But I had no issues at all when it came to dating. Most guys I talked to had their own spot or we would get a room. As long as you’re not sitting at home being a bum you should be fine. It’s much easier for a woman staying home then a man.

[@trophyclub7884]

I think people are too concerned about somebody's living situation. Honestly with rents as high as they are and the economy as bad as it is, this guy's working full time and has savings -- he's winning. Coasting would be doing nothing. Dave tells people to work side hustles during bad times and actually has 28k in CASH. Dude I want to trade places with this dude. There are a lot of people doing a lot worse than this guy here. He sounds like a hard worker that just needs a step in the right direction. Why is it a bad thing to be living with your parents? All these people that are out paying 1000+ a month for an overpriced apartment and they're all in debt.

[@derekrank4572]

this young guy is doing amazing..hes not in jail.hes not broke and he has a safe secure place to live. and he has a job and can save money.HES WINNING.

[@dustywilson5461]

Underrated comment

[@Ryan_DeWitt]

Just another person "preparing" to be successful vs going out and doing it.

[@thepeachyshow-letstalkmone496]

🙏

[@mikeschaner5853]

That 1st step is always the hardest.. But once it's made, oh boy watch out 😆

[@joserincon8108]

Great point 👍

[@asdfkljlkjdfkg2290]

Lats routine bro?

[@Nobodys_safe]

It happens, dude. Some of us find it hard to get that initial step going. I understand this caller. We are all different and have different battles to overcome.

[@financiallift6185]

As grateful as I am to not have to work at a pizza place anymore, I do miss that excitement of bringing home a free pizza or two that someone didn't pick up and watching a movie at home.

[@TheLWebb100]

Yeah I agree, a fun high school or college job.

[@pkal244]

Love/hate relationship delivering pizzas for sure. It was fun driving everywhere and basically being your own boss, but if you ever got a bad tip it just sours your mood. You eventually get used to it but the wear & tear on the car was real!

[@seanmiller4559]

Dude I deliver pizza and make a killing..

[@mrblexit7152]

I work in HR with only an associates... This dude is really overestimating it..

[@EdgarRUSA]

What type of position do you have and how did you get your foot in the door?

[@riverdaletales8457]

It's SOMETIMES not about what you know but who you know .

[@nicholasjeglinski4623]

Riverdale tales with that attitude you will always be a victim. Although sad, life won’t care and will go on. You must overcome deficiencies you may have that others don’t, such as a network.

[@riverdaletales8457]

@@nicholasjeglinski4623 i know but still my statement remains true

[@ShiftingCloudsYT]

Nicholas Jeglinski you realize your advice is exactly the same as what he said? He says It’s not what you know but who you know and then you go on to say build a network.

[@paulstandaert2042]

The job requirement for Human Resources is a PULSE!

[@GeneralChangFromDanang]

And usually female parts, depending on the company.

[@slikas5127]

And to speak Spanish now🤨

[@hkmamacmd428]

@@slikas5127 whats the problem with speaking another language? Other countries have a bilingual requirement because their citizens aren't ignorant

[@sblijheid]

@@hkmamacmd428 Nothing wrong with knowing another language. Not being able to get a job just because you don't know Spanish is. There are plenty of job applications where Spanish is a must to get the job. Even if you excel in the actual work, if you don't speak Spanish, sorry. What other countries have a bilingual requirement? The only reason they would have that requirement is if you worked with foreign companies like when you work for a shipping company.

[@Frank_144]

@@sblijheid ...then Learn spanish? It's not hard, I had to learn english because I care about my future, but if you care about a job, how hard is it to learn spanish? Incluso puedes practicar con amigos latinos

[@livelaughlydia5807]

I would encourage him to get his HR Generalist, then PHR and eventually he can do his SPHR certification, but he is looking for direction. No need to say Dave called his bluff. He is just misinformed and needs direction. Good luck to him and kudos for saving up that much money!

[@theGrayArea2]

I’m 27 and in the same position as this guy, my love life struggles because I live with my parents. As the start of 2021 I started telling women my parents live with me, oh what a game changer this has become 🙃🙃🙃

[@lotuswolf1518]

😂😂😂😂😂

[@strangergranger10]

That’s a mindset right there😅😂🤣

[@Alllifematter]

😂😂😂😂

[@AVPVP]

The real question is, how many people that are in their mid 20s to mid 30s still live at home with their parents? because the price of homes are way over priced. Same with renting a place as well, Its way over priced. $2k a month for a closet size unit. And debt free.

[@adriantuesta1012]

Yeah and entry level jobs require experience but you cant get wxpierence without getting a job why minimum wage 15

[@RF-lg4rq]

Im 27. I went to school learned a certificated trade and left with a B.S. I make 30 an hour and couldn't afford the house if I wanted....

[@dorlisastjean4072]

That is because many people think college is the only way to get a good paying job. Here is the news flash: It doesn't guarantee you one. Go to a trade school or a specialized school.

[@lotuswolf1518]

I am 24 and live with my parents, your mental health is at stake, I have to deal with not having privacy having to eat what they cook , having to do what they say , also they fight a lot so I have always wanted to move out but cant

[@cato451]

Here’s a tip: look at the earnings potential BEFORE you get the degree. Lol. Hey btw, being an electrician or plumber is a very lucrative career.

[@ivanraimi5524]

But people look down at you if you're a plumber or an electrician

[@funstuff9153]

Ivan Raimi do they?

[@ivanraimi5524]

@@funstuff9153 Yeah, watch Manchester by the Sea movie, and see how the client treats protagonist who's working as a plumber

[@OutCastSwagg]

Ivan Raimi who cares lol

[@danielm.8278]

@@ivanraimi5524 who cares what other people think, electricians in my area make 45 an hr

[@MagnumTriumph]

I'm 26 and basically the same as this guy. I have 44k in saving. But both my parents are dead! I'd give anything to live with my parents :/

[@DCamp1271]

My parents have passed, too. You're so young. Sorry you have to experience that. It's much harder than people on the other side of it can fathom. But you are on a great track so I believe they left you with some valuable life lessons. I hope you will eventually pass those lessons off to you own children, one day!

[@rumblzs]

im sorry for you

[@Tamar-sz8ox]

I hear you 🌹

[@Chinunit22]

Nothing wrong living with parents as long as you help with bills and around the house

[@fastdeliveryl708]

Im 31, renting a room from one of my relatives. I do work always busy , no debt. Not planning on having a woman or babyz. 130k in savings. Does it look bad?. I dont have to live to show ppl the standards or fit in society and getting married and expensive house and meetings just to show up like everyone else.

[@elmateo77]

By "130k in savings" I sure hope you mean invested, not sitting in a savings account getting slowly eaten away by inflation.

[@fastdeliveryl708]

elmateo77 you are right im trying to see where i can invest. Never had knowledge about investing or relatives who advised me or anything like that. As far as right there just sitting

[@whitegoodman7465]

@@fastdeliveryl708 Index funds, easy, simple and safe. Could be making 10k a year just of interest from index funds with 120k. That could pay rent right there.

[@xmrchubbyx]

Give me your money

[@fastdeliveryl708]

@@xmrchubbyx work for it .

[@lukescapee1234]

Exactly me, I was 22 delivering pizzas and living with my parents. Finally moved out at 23, living in Nashville and trying to pursue my freelance business and I’m making it so far! Gotta make the jump.

[@thepeachyshow-letstalkmone496]

🙏

[@Dynamoduck-nf4ws]

How’s the business going?

[@jailanrayvon434]

Update?

[@lukescapee1234]

Still in Nashville! The journey is NOT what I imagined, but I love the work I do now. About a year and a half ago I had so many freelance music opportunities I stopped doing pizza delivery and now just grinding music full time! Got to work with some crazy artists I've looked up to for years. Don't know where I'd be at if I didn't make the jump haha @@jailanrayvon434

[@AaronHernandez-xv4qh]

He’s doing great to be honest.

[@nicolinamaria]

Also in HR, worked my way up there from waitress in a bar, to waitress in a hotel, to receptionist in a 5-star hotel, to hospitality recruiter, to hr, to recruitment/hr business partner. You got this bro.

[@kaleykiplinger8528]

I literally just graduated with a psychology bachelors degree and am going into HR. He has everything he needs to get into that field, just needs to do it! I might do a couple of small certifications (payroll and HRIS) for my own understanding/knowledge and give myself a little step forward, but I don’t need that to get started. But the reason I did psych (with a business minor) is because it’s so versatile, you can go into so many fields with a psych background and make a decent living.

[@shannon2748]

I've always heard a bachelor's in psychology is useless.

[@Libra8410]

Lord...that's one of the biggest myths in business. HR is not about taking care of people or "having a big heart". HR is about managing the business centered around employees

[@logdon17]

HR is the easiest job at any company. I have worked for a couple large firms and the HR department is by far the most uneducated and simplest job role they employ.

[@auroramothergoddess]

HR job is to prevent the company from getting sued 🤑

[@ChrisMFlorida]

Masters degrees don't hold the weight they used to. Ask anyone with a ton of student loan debt and a masters degree.

[@OmarRivera9124]

Also because many go off and get a masters in something that isn't in high demand

[@stevenbowdich6716]

My MBA is why I got my job. My soon to be DBA will continue to accelerate me upward. I dont have debt though. My company pays for it.

[@devonmatthews6443]

@@stevenbowdich6716 Well. That makes since... You do not have to pay for your master degree

[@natalielinden]

Synopsis: Get in the game

[@kylecrisman9230]

They lost me when they said the whole HR department was great. Iv never met one good one in my life

[@Hungry_for_exploration]

🤣🤣 me neither. Although some are better.

[@elmateo77]

I mean Dave is the owner of the company, I'd hope he thinks his employees are good otherwise why would they still be working there?

[@isaac_bear]

I currently have a fantastic HR person. She is, however, the only good one I’ve ever had. Definitely a unicorn.

[@CaseyBurnsInvesting]

No shame. Keep grinding and earning/saving more.

[@thepeachyshow-letstalkmone496]

🙏

[@hectormorones8733]

Yeah people like to put people down for still living at home while having a huge amount of debt in their 30’s.

[@prncessbaby16]

Casey do you watch meetkevin? I've seen your comments before somewhere

[@prncessbaby16]

@@hectormorones8733 lol I told my mom I'd be happy to move back with her and save money, but her and my husband said no. 😅😅😅. I'd love to not have to pay rent lol.

[@mitch20003]

​@@hectormorones8733 Im35, single and just moved back to my parents house to stack mad paper. My plan is to stay with the folks at least a few years so I can really build up a really big portfolio so I can retire a milllionare. People can make fun of me all you want. This is actually normal in other countries like Japan, spain india etc. I had relatives that did the same. Not here in the USA though, youre considered a loser if you live with your parents. id rather save money then pay crazy expensive rent , even if you get a roomate its still expensive.

[@TivonyByTifani]

He’s honestly on the right track, I wish him the best of luck! ✨

[@oonioomphs9440]

Keep your spirits up! I was 28 working at a grocery store with an ‘unmarketable’ degree. I topped off my education with another two years to get a marketable degree. I was a hustler on a hamster wheel. As soon as I got off, it was growth, growth, growth! Became a millionaire at 40.

[@GenerationX1984]

It's nice to hear an average person calling in to the show instead of the typical 'I make six figures but am bad with money' caller.

[@prospersis4540]

Good luck Christopher!!! You just have to believe in yourself and jump right on into that career!!!!

[@yaydog2702]

Had the same job when I was 16 , it gets better

[@thepeachyshow-letstalkmone496]

🙏

[@asdfkljlkjdfkg2290]

Don't know if that makes the caller feel better lol. As he is 27 rather than 16.

[@yaydog2702]

asdfklj lkjdfkg hahaha your right

[@dannym631]

No it doesn't.

[@iiCounted-op5jx]

@@asdfkljlkjdfkg2290 😂😂

[@melaniegriesemer]

“It takes about 10 seconds to make somebody’s day or to ruin it” wow yes this is so powerful!

[@TrueTheology]

he is ahead of the game in many places. Just need to land a good job, which anything is better than pizza delivery.

[@thetaraparker]

Amazing video! Dave Ramsey completely nailed it. This man absolutely has a psychological block on moving forward. In his perspective all he can see is the block that he doesn’t have what it takes to make money, but Dave can see that he has everything and more to easily move forward immediately. I love this video.

[@daniellehopkins6584]

We need to have conversations with kids about doing degrees that have no viability or commercial demand after graduation. I really wanted to study English Literature and my mum said what are you going to do with that, she was right. So I switched!! So thankful she made me consider a life after education.

[@Josh-fp2qn]

Exactly. These old people don't get it. Boomers still think we are living in the 1960s.

[@steve00alt70]

Nothing wrong with being 27 and livin with parents

[@jailanrayvon434]

Yes there is

[@MiahV007]

@@jailanrayvon434At 23 I left home in Maryland and moved to Virginia and spent $25,000 on rent that year. Just to literally call a place my own, that could've been invested money. I moved back in with my parents with NO shame.

[@logicaladam]

There’s also HR certifications you can pursue to boost your resume. Recruiters love seeing the extra effort.

[@erickim3710]

This guy had the discipline to save that much. Hope this guy finds what he wants. Hope he pursues and find what he really wants.

[@Abdulaziz2003]

I feel like Dave doesn't like it when young adults live with their parents, isn't there lots of financial advantages that comes with living with parents?

[@derekrank4572]

live at home and work and save money instead of being homeless living in a tent and have zero savings.

[@RandomGuy-ct7ns]

Maybe he just wants people to have the experience of living on their own?

[@derekrank4572]

@@RandomGuy-ct7ns its a fun experience.but not if they are flat broke ..or working poverty job.its ok to live on your own its actually pretty cool to have your own place..it all depends on the $$$$

[@turtleanton6539]

Indeed there is

[@JeBeDee1818]

None of my company’s HR people have full degrees in it. They got their foot in the door and eventually promoted. Had a recruiter who’s now Senior People Business Partner after 4 years with the company.

[@JoelJoel321]

Dude should have asked Dave if he'll take his CV.

[@jennym007]

I was a Registered Nurse and later in life I ended up working in HR. Like they said, start in an entry level job and work your way up. I loved it. My main focus was training and performance management.

[@rexnicious]

I know someone who did the same thing. Was a RN and then moved into recruiting and has done that for almost 20 years.

[@paulgates4083]

hey man, ur only 27, no debt, $30k savings.. its game on bro..ur in a great position way better than u think

[@daddsha]

This. Its a shame American culture has made this guy out to be a loser when in reality he's anything but.

[@ashleyannabelle1900]

Agreed!!! As someone who recently entered HR here are some thoughts... my bachelors degree did help but it was mostly about the work experience I was able to get. Internships, recruitment work, classes, and seminars all were what really helped. Anything I was able to do that taught me to have great customer service, manage conflict, do very basic accounting, and write clear communications all helped me! All the directors I worked for had advanced degrees but a lot of more senior, non- management HR folks just had certifications.

[@leekh-a3933]

I’m 26 with 33k in savings rn . I’m a deputy making 26.06/ hour in Florida. No debt at all . Car paid off and a associate degree but everything in Florida is beyond affordable rn

[@spartengamingcode]

Is kississime flo a good place to live?

[@gincoopland6545]

Here is how I did it... I worked for Temp Agency for 3 years building up experience from various roles then I broke away from the Temp Agency and used all my experiences from Temping for various companies including fortune 500s to land a job! find a temp agency they will place you in assignments you will make about what your making delivering pizzas but your also getting experience! You dont even have to work for them for 3 years like I did I just wanted to make sure I had extensive experience... a year or two temping working various temp HR roles then you can probably break off from the temp agency with quite an impressive resume and find your own job and during the interview whenever your asked why did you leave this or that job explain that you were a temp and your contract expired! AND DONT MOVE OUT LIVE AT HOME LONG AS POSSIBLE TO SAVE THE RENT MONEY AND PUT IT INTO A RETIREMENT ACCOUNT

[@MR3DDev]

Remember people, aside from some very specific industries work experience trumps education.

[@commanderchopchop7290]

@Futurebreeze 🤣🤣🤣🤣🤣

[@gatewaysolo104]

@Futurebreeze it's amazing how much a politician can get under someone's skin. I never let the awful president named obama dictate my life or hold me back.

[@BadMannerKorea]

Very specific? You mean pretty much everywhere. Doctors, lawyers (in most states), social workers, dentists, engineers, teachers, officers in the military as well as being promoted in the military in upper enlisted ranks, nurse practitioners, veterinarian, psychologists and psychiatrists, professors, (too many to keep listing) etc. Not only that but degrees on average earn more over a lifetime compared to non degree holders.

[@MR3DDev]

@@BadMannerKorea There are many other jobs out there that can produce as much or more income than what you just mentioned and need 0 college, plenty of IT work can be done without a college degree, marketing, sales jobs

[@BadMannerKorea]

TechYK Yeah cool. Except if you want to be any of those professions you need an education. These are not “very specific”, they’re all over. Even in blue collared jobs there is an increase in education attainment and requirements....

[@trajan74]

Same. 31. MBA in finance. CFA Lvl 1. Never even get call backs except for sales roles. Work as a cashier.

[@loomsmcgooms824]

Go work for a temp hire place! God speed, just get in the race.

[@haroldgarling1063]

Don’t swallow this financial crushing poison of “move out” stay with your family as long as you can/want/need to. This is completely okay.

[@jacktenclubs]

Guy needs to move out and get an entry level job in HR anywhere, doesn't need more "formal" education. what a scam that is.

[@alexbob5209]

Scam? How so?

[@elmateo77]

@@alexbob5209 The colleges telling you that you need a degree to get a decent job is a scam. In most cases you don't if you know how to network and work hard. They just want your money.

[@diknuggets762]

im 35 and i still have almost 4x his debt load. This guy is doing really well. Unfortunately living with my parents is not an option for me.

[@brianpowers4928]

How does this guy have 28k in savings + paid off car? hes doing better than 90% of Americans

[@jutman17761]

It's a real blocker I am in a similar position with a bachelors degree in psychology... If I had a general business degree my options would be much greater. I've been in interviews where they'll ask me what my degree is in and they say something along the lines of "I'm really glad you were brought in today even though your credentials don't match" and then after that, I'm ghosted.

[@oldtwinsna8347]

The problem is you're trying to get in with education and not experience. Once you have experience, nobody cares what degree you have (at least outside of academic oriented careers). The problem is if the education you have doesn't match the job description, then the employer seriously questions you have any qualifications from their perspective. Try to start very low on the totem pole and gain experience in a specific skillset. Psychology teaches you absolutely zero job skills and that's the issue with it.

[@123hibye]

I’m 13 and have about $1200 in stocks! Thanks for all the advice! I love finance and you inspired me to make my own channel about finance, stocks, Entrepreneurship, later real estate, and more! Thanks!

[@x7Votorious84x]

Be humble and understand that some people don’t want to see you happy and they may be closer than you think.

[@justinc2633]

@@x7Votorious84x a lot of people just fear the sacrifices it takes to be successful, and in turn put that same fear onto you when they know you're taking risks.

[@nukerwolf7788]

1) you are young and will be filthy rich if you don't make stupid choices thus I kinda hate you. 2) check out mark tilbury he has ideas for young people that may help you get richer so I can hate you more 3) good luck stay strong and don't let people who wish they were you get you down or stop you.

[@Zumcho]

There's something about the allure of going back to school, that can make one feel like its the answer to all your career problems. When it comes to college or grad school, have a clear trajectory. If your career path requires it, do it. If it doesn't, don't.

[@DG-mk7kd]

Over credentialization has devastated the country. Student loans, wasted time, skill mismatch, pointless classes, etc.

[@michaelcarter266]

My sister has a really good HR job with only a bachelor’s degree in psy. No student debt. After college she worked as a bank teller for about 3 years and keep applying to different places. She slowly got better job after better job and now she is good. In fact she turned down a job recently.

[@Prostudios-xq4xq]

Everyone on here saying "Just go get the Job! It doesn't matter if they pay enough"... Guys, Do you have any understanding of they current job market??

[@derekrank4572]

exactly...getting a job doesnt guarantee you wont be poor in many cases you just become working poor instead of unemployed poor.

[@sineadhawkins9458]

Say it louder for the people in the back

[@codyt.346]

I love it when Dave mutes callers!

[@sbrown7]

This young man can definitely do it. If he can obtain a paid internship and get some experience. Think he needs a confidence boost and good folk to help encourage him.

[@trailrunnah8886]

Everyone I know in HR, did not go to school for HR. Even if the company I work for, everyone that's been in HR has started off in a different department. Our current HR manager started in the Logistics Department.

[@colin1818]

That's because the barriers to entry are very low. You just have to have the right personality. Most of the "head knowledge" is company-specific and doesn't get taught at a University. Sure, you'll need to learn about the law along the way. But, as Dave said, a couple of one-off classes is all the formal education you'd need and then OJT will fill in the rest. My wife did a career change to HR from teaching a couple of years ago. We ran her through a Graduate Certificate Program (4 graduate level classes) to give her an HR credential on her resume. That was overkill. She was able to get hired easily and has been successful ever since.

[@Je.rone_]

Mindset is very important factor

[@Letstalk-zx7jx]

That was me ! Living at home delivering pizzas at 22 ! Then I got myself a great job with big raises twice a year with bonuses and vacation time , but I still needed to take the next step and the company that I work for offers to pay for my schooling so I will go to school next.

[@moneybee]

Way to earn that cheddar delivering pizzas!

[@thepeachyshow-letstalkmone496]

🙏

[@hkmamacmd428]

you mean mozzarella lol

[@handleyobusiness]

That’s savage 🤣🤣🤣

[@somebodycomegether770]

*buh dum tiss*

[@Sam89365]

Find 20 companies in the town/city near you. Go to there website and apply to their HR department. You'll get 3-5 call backs and 1 will turn into your job🙃👌🏼

[@LG123ABC]

I almost always agree with Dave, but I think his views on living with parents are a bit out of date. I think young people should use every advantage available to them. If you have a good relationship with your parents and you can find a good job while still living with them I say go for it. You can save up a TON of money by living with your folks. That being said, I don't think you should be completely mooching off them. You should pay them some agreed to amount of rent every month as well as occasionally helping out with groceries. The idea is to build up an enormous nest egg -- not to be a playboy that sponges off his parents.

[@HamiltonRb]

At what point are you not a child and should be an independent adult. Some will mentally believe that if they stay their entire life living with parents and transition from child to adult to looking after the parents is fine, without ever growing up

[@LG123ABC]

@@HamiltonRb It actually used to be quite common for multiple generations to live under one roof in the US. Did you ever watch The Waltons on TV? The adults in that show seemed pretty grown up to me.

[@HamiltonRb]

@@LG123ABC You do know that was just a TV show., and I don't know one family that lives like that All in the Family was a TV show too with adult children living at home, and was pretty dysfunctional, so not sure if you are still living at home, but I'm out of here " Good night John Boy"

[@LG123ABC]

@@HamiltonRb LOL, I'm in my 50's and my parents have both passed on. You do know that the "TV Show" was based on the Earl Hamner Jr's (the author) real life, right? Try reading a book and thanks for playing!

[@HamiltonRb]

@@LG123ABC I'm really not a TV guy but if you like it, great

[@mlovespring7892]

Some companies dont care how cable you are sr. They want that piece of paper. I wish all leaderships feel the same as you do. As I pray I get a second chance at advancing myself without the degree. 🙏🙏🙏

[@tigers586]

Dave Ramsay you are a legend! Put his pen down and wait for it ......GET IN THE GAME! We are the masters of our own destiny go get it folks!

[@kenya1067]

I'm 27 living at home 😭 in school for marketing and event management. I need to get into my career. I'm so stressed it's awful.

[@rayc3103]

You can do it. Keep it up.

[@daddsha]

You're doing better than most, enjoy the time with your parents.

[@speakingtruths4215]

Probably some of the best advice I’ve ever heard him give to a caller.

[@Vaultamort1]

Dave : "Hi Christopher, how are you?" Christopher: "Better than I deserve, how about you?" Dave: "Be.."

[@JL-mb7om]

This guy is doing good. Just find the right path

[@AJeazy]

I'm 24 living with my parents but that's because I asked if I could live with them for a couple years until I have my student loans paid off. Just over 1 year out of college and my loans are almost entirely gone already.

[@elmateo77]

Nothing wrong with living with your parents in your 20s, as long as it's not a major burden to them and you're still making progress towards your own financial goals.

[@user-rb4lv4if9q]

im facing the same situation. Thanks Dave. It felt like you were talking to me

[@crack1270]

There's a difference between a job and career. Grownups have careers, kids have jobs.

[@grillbaked]

Don't be an elitist.

[@crack1270]

@@grillbaked just being a realist

[@grillbaked]

@@crack1270Jobs are primarily for adults.

[@mardigbidanian7119]

There are middle aged people working uber , doordash or in low paying jobs . Even educated people may end up being forced into these jobs

[@GO-cz7cl]

You sound entitled

[@jpdst29]

I like this caller. Straight to the point.

[@chicomalo991]

I think he should join the military. It may be his best bet to try and start a career and his life. This guy can get a job as a HR technician entry level job.

[@CharlonTV]

I've thought about that for some of the calls too

[@NeccoWecco]

27 is getting to be too old to enlist I believe

[@colin1818]

42A is almost always available from the recruiters. And with a degree he could even go college-option and try to commission as an Adjutant General Officer.

[@chicomalo991]

@Dr. Johnny Sins you are right. The problem is This guy is lacking manhood. He needs to be made into a man. His best bet is the military.

[@chicomalo991]

@@NeccoWecco the coast guard cut off age is 39. He may need to go reserves. It will open doors for him.

[@zaid6142]

How you doing! “Better than I deserve” 🙏

[@swn69]

My way out of poverty... joined the Navy at 17. At 27, I was stationed in Greece, I was an E-6, and I was the watch commander for the security detachment from 1800-0600. Meaning when the CO and XO went home... and the CDO was asleep... I was in charge of NSA Souda Bay. I handled my business.

[@amongallothers]

At least he knows how to save money. Pay off the loans and get that work experience. Night classes are definitely an option. That's what I did.

[@jaketowler9290]

I wish there was a Dave Ramsey type show in the UK. He gives such good advice.

[@gerardlead9321]

He can get a HR job why a psychology degree; or a sales job. I know plenty of guys that have sales jobs with psychology degrees

[@JavaScriptJolt]

Psychology is a great background for HR work. He needs to work in HR and get an online Masters (if he really wants that), but don’t go to school instead of working when you can do both!

[@beccab.6316]

I always hope callers ask Dave how he’s doing just we can hear the “better than I deserve”

[@kelvintran448]

Oh my god I’m literally a 23 year old pizza delivery guy who lives with his parents with $25,000 saved and invested. The only difference is I go to school for free.

[@jd7338]

You’re doing good bro keep going find your purpose. I suggest you watch Casey Zander, not just to get women though. He has some gems in every video on how to get that masculine drive

[@princessdiana2737]

You got this Christopher!!! Get in the game!!!