I'm 34 and Only Make $14,000 A Year, What Should I Do?

[@NickDrendel]

One thing you have to do is applaud these callers. They’re among the few that realize they have a finance issue and are FACING IT, instead of hiding from it. So for that, way to go 👏🏻.

[@nme.00104]

💯👌👍👏

[@imdanielrobles]

It’s all about having the right mindset.

[@nme.00104]

@@imdanielrobles 💯👌👍👏

[@BigRed2]

You’re a snake oil salesmen

[@---cr8nw]

And they're seeking out advice.

[@gr8macaw1]

I would suggest first get a job as a cook in a busy kitchen, enjoying cooking for family is a whole lot different than working in a busy kitchen under pressure.

[@nobody_special012]

Maggie H yes! After working the line for awhile he may rethink going into professional kitchens. Its a hard job with long hours and under constant pressure.

[@mikenelson8377]

That’s actually a very good idea. Work in a professional BUSY kitchen with long hours doing the grunt work. See if he even likes it. He might not.

[@SundaysChild1966]

I agree, it's a LOT of hot, hard work .. go be a waiter instead

[@knowthyself8233]

I enjoy cooking but I would never ever work in the kitchen. You are right is 2 different things.

[@ellieb8171]

Yes! He might hate it!

[@ImNHTV]

“Don’t live your dream in such a way that becomes a nightmare”

[@johnjackson9767]

Beautifully said

[@gdl30]

Please elaborate

[@jamisojo]

​@@gdl30don't waste money on expensive school when you could get a job cooking and make a decent wage WHILE learning how things work. If, in the future, getting a fancy degree seems like a good idea to further his career, he could save up the money to do so.

[@RaymondDawson-v2w]

This stupid SOB called Dave with $40,000 debts being broke asking is it ok to borrow $46,000 to get a degree in culinary arts. Is he really this STUPID? And he's 34 and he's this simpleminded?

[@charlesdyga5128]

Community college should have something to offer. Don't go to Art Institute

[@mjbankhead9063]

Exactly! I just posted he could go to one of the Community Colleges in San Antonio. However he sounds like he’s still going to go to the Art Institute.

[@edgehodl4832]

All about ego, people have big egos and think community college is below them. Oh well, after 100k in debt may be they will learn

[@tamiamyourfavoritedragon8890]

The Art Institute has an Amazing culinary arts program in Atlanta. BUT TRANSFER AFTER 2 years!!! Don’t go into the program paying that much for gen ed classes!!! It’s crazy to pay $650 PER credit hour!! He needs scholarships and grants!! Best of luck to him! Listen to Dave!

[@paperremix]

@@californiahandball well done!!

[@Stettlershomeimprovement]

You can start at a community college or start at a school like BYU Pathways Worldwide.

[@lesliek7776]

Work for a year in a kitchen and see if you even like it, while you earn money.

[@lunalancer5971]

99% of people cant handle being on a line. Im glad i learned that in my teens and 20s rather than spending 90k to work at Longhorn.

[@CarnivoreStork]

Adversarian Exactly.

[@macneoh7418]

Guarantee after 2 years he will be looking for a new profession and thanking God he didn't go into debt to be a cook.

[@rollthelosingdice]

it's not that hard, easy enough for drug addicts to learn.

[@christopherrosas2738]

Really wanna have fun, come work in a military kitchen..... It's not for the faint of heart..... The company I work for is in the chow hall on the air force base in San Antonio and our turnover rate is pretty high because alot of people just can't handle the work load....

[@valaquenta220]

Love this guy's energy. Don't sweat it man, when you're 75-80 years old you'll remember how young 34 is. Usually when you start life late, you got a lot of motivation as you're much more mature and with a ton of life experience in a way. Go for it !!!

[@DreadlocDivaNextDoor]

The reality is that most likely when he goes into debt to become a “chef”, he will end up working as a “cook” and not make much money.

[@jamiegaskins3687]

Shubham Mishra we all wish him the best. People can’t handle the word “reality”

[@watermelonhead6525]

Culinary arts is the biggest scam! I cook at a golf club as a highschool student with no degree! Most of the things you learn is on the job! On top of that culinary arts is so dead... long hours and low pay.. DONT DO IT!

[@zhemin]

@Mr. R Well if the person is not down for it, you can't blame the college right?

[@dalvinlawliett3911]

DreadlocDivaNextDoor exactly. I went to school for culinary arts and I promise, I learned almost everything on the job. It’s NOT worth going to school for. On top of that, you might as well not even have a social circle because you will need another job and on your days off, you’ll be asleep. Best of luck!

[@vitorfernandes651]

@Shubham Mishra clearly you don't know the catering business. I've never seen new chefs coming out of school and be on top. With our without a degree you start at the bottom.

[@whatevsbyatch]

I knew a young girl who got in 100k debt for a cooking degree... her poor family lost their land and home... you're doing God's work Dave by preaching financial sense and not selling false hope to those who are most in need!

[@Kimun888]

oh my.. so sad..shes working now? i cant believe how expensive america tuition is.

[@hzuiel]

Losing the land and home isn't probably half as bad as the damage done to the mental state of all involved and their relationship between parents and child.

[@hzuiel]

@Gaelle Kercy People actively mock community college. There's an entire sitcom making light of them, you can catch bits and pieces all throughout the media people watch that connects success with going to a fancy pants school for everything, and people who go to community college are stoner losers and usually drop out. They really dump on or ignore completely trade schools and apprenticeship programs. You know, because it's sssooooooo stupid to spend 4 years getting paid twice minimum wage learning a trade and working 40-60 hours per week, while earning an accredited 2 year degree for free, to come out the other side licensed and making 4x minimum wage.

[@SuperSilverJay]

uy97 wow you’re sexist.

[@johnjackson9767]

@@Kimun888 It used to be affordable until the government started guaranteeing loans.

[@dicebagdaryl]

I'm an IT Engineer with 15 years of experience, and I got into the IT field because I always enjoyed computers as a hobby growing up. I can say first hand that the platitude "get a job doing what you love and you'll never work a day in your life" is an absolute load of manure. Turning your passion into the thing that you HAVE TO DO in order to pay your bills is a REALLY QUICK way to turn your "passion" into a day job and you'll no longer enjoy doing it.

[@saschamayer4050]

Yeah, and the pay is not that great either. Maybe for a small percentage. But a lot of us don't earn more than an average income. It's all exaggerated.

[@JohnsonKayla12]

Horst von Hinten how is the pay not great for the IT field?

[@deese64]

Preach

[@saschamayer4050]

@@JohnsonKayla12 it means that for years/decades more and more workers came into the IT sector. Due to this and the outsourcing to other countries, the pay for the average workers has deteriorated. It's the law of supply and demand.

[@JohnsonKayla12]

Horst von Hinten oh okay thanks for explaining. I’m studying IT for a good wage & stable employment so thats why I was curious

[@KrystalToddCPA]

$46k for culinary school?? Not that anything is guaranteed, but with cooking I feel like school is only half the battle. Some people just have that natural skill that school can't teach.

[@KEP1983]

It's a private school. 46k is probably about right.

[@watermelonhead6525]

@Johnny Five Culinary arts is the biggest scam! I cook at a golf club as a highschool student with no degree! Most of the things you learn is on the job! On top of that culinary arts is so dead... long hours and low pay.. DONT DO IT!

[@kaptain1477]

The Cash Compass you looking like a snack 🥵

[@KrystalToddCPA]

nexus prime lol thank you!

[@patrickfeehan8798]

Art institute is a private school and the tuition is nuts

[@bkspielman0]

Do NOT go to the Art Institute. That's the FASTEST road to turning your dream into a nightmare. In fact, I think they were in a lawsuit in another state a decade ago because their idea of "helping" someone with a chef degree find a job after college was McDonalds. So, beware.

[@billiejoe413]

The Art Institutes credentials are questionable! Do your homework!

[@bkspielman0]

@@billiejoe413 Agreed! They are very, very "for profit."

[@Stephanie-tc4kj]

Went there. No different from the culinary program at the community college that my husband went to.

[@pistachiosandpopcorn7146]

Bauder College or Kaplan if anyone has ever heard of that..turned out to be a total scam. Art Institute reminds me of the same type of stuff.

[@Justify4935]

Well yeah, bro. That's basically the entire higher education system regardless of where you're going.

[@Greggsberdard]

I believe investors should prioritize putting their cash to work instead of letting it sit in banks. This quarter, we'll likely see greater market diversification. I plan to invest approximately $350K of my savings in stocks for the coming year, with the aim of generating significant returns and potentially millions this year.

[@lolitashaniel2342]

Given that risk levels are currently very high, it might be wise to exercise patience and wait for conditions to improve. Alternatively, you could seek guidance from a qualified financial advisor to develop a sound strategy.

[@VictorBiggerstaff]

Yes true, I have been in touch with a brokerage Advisor. With an initial starting reserve of $80k, my advisor chooses the entry and exit commands for my portfolio, which has grown to approximately $550k.

[@BateserJoanne]

I'm glad I found this conversation. I just started earning six figures and need investment help. Can you share how to contact your advisor?

[@VictorBiggerstaff]

Diana Casteel Lynch is the coach that guides me, you probably might have come across her before I found her through a Newsweek report. She's quite known in her field, look her up.

[@VictorBiggerstaff]

She goes by “ Diana Casteel Lynch ” a renowned figure in the financial industry with over two decades of experience. I'd suggest you research her further on the internet.

[@rachelroelands9928]

I love how Dave came up with alternatives. You can tell the guy thought he only had one way to fulfill his dream, but Dave was able to think outside the box

[@AnnMitt]

He should go nursing school since he has so much experience taking care of sick people. Nurses in my area are making $40/hour

[@rmz_ledger4475]

Nurse practitioners make more i believe

[@MyLady22]

Nurse practitioners are almost like doctors so they’ll need a lot of schooling like a doctor.

[@fitnessforlife8966]

Yes good idea nursing is stable with good pay. Chef is not

[@huldatachiri9613]

yes and cheaper too especially in Texas... you can take your basics at a community college then transfer for two years with FAFSA you pay wayyyy less than 40k

[@ryanthepianoman27]

He needs to do something that aligns with his skills and can make a realistic living

[@Midge-xn9tp]

Seems like the only guarantee from “school” is debt

[@atrain132]

Pretty much.

[@Xantank]

Stop it.

[@vernonthiede8439]

Thanks to Libs who told everyone "Any College Degree is Good". Wrong! Only Engineering, Nursing and Accounting are.

[@NomastiAfricanWarlord]

@@vernonthiede8439 Liberals didn't tell them that. It was literally society as a whole. If you didn't go to college, then it was your fault you ended up being a poor "loser". People don't realize just how much pressure my generation faced into just accepting that going to university was the default. Either you went to college or you joined the military (the latter which should be used as a way for you to go to college). This idea that this push to go to college was a left/right issue in America is just simply not true. It was a generational problem. Baby boomers and Gen X telling millenials to go to college and they would somehow automatically be successful because back when they were young, that was true. Nowadays it means nothing.

[@Midge-xn9tp]

Cran1um92 but the point is, you got the guaranteed debt

[@The.Dude.Abides.]

Go work for UPS. You'll make good money, they will pay for your schooling AND you'll have FULL healthcare benefits.

[@rs7458]

Isaac N can you work part time and get full benefits?

[@The.Dude.Abides.]

Raj Sandhu Absolutely. That is how most people start and why they choose UPS. I believe it take a few weeks before benefits kick in but once they do it’s 100% on everything with zero co-pays

[@peterwoods8880]

@@The.Dude.Abides. stacking boxes was just soul-debilitating

[@ianrobinson4200]

What if you can't just 'go work for UPS?'. What if they look at your resume and go 'No thanks'

[@The.Dude.Abides.]

@@ianrobinson4200 well then I’d say it’s on to the next job opportunity . Pretty simple really.

[@akui88]

I was shocked when he said San Antonio, cause we have one of the best community college systems in the state, they have a decent culinary arts program too.

[@EPerez-iw9zp]

He should just go to a community college and take culinary arts there

[@Ismael916]

@Johnny Five plus he might not even like it once he actually gets behind a restaurant kitchen.

[@lisaomay]

See above post....even found him a school and the cost for his income level.

[@JeremyBlant]

Get a job washing dishes at a restaurant and work your way up

[@shutupandeatasmr4498]

I always suggest working in the environment first to see if you enjoy it and if not, you’ll figure it out. As a senior in HS i wanted to go to culinary school, but I was fortunate to get an internship at the crown plaza in the kitchen. I figured out very quickly that I did NOT want to be w chef anymore 😂

[@hayleebaird-lira5558]

Yes I got my culinary arts degree cash flowed for probably 4k after scholarships

[@MagnumTriumph]

Can TOTALLY relate to this guy. I'm 25 and both my parents have passed away. My mother in particular had cancer and it lasted years. I'm actually looking at going to college next year and I'll be 26.

[@Dee_Generate]

Sorry for you loss And good luck on your college endeavors!

[@PJ-sv4iw]

did you graduate college?

[@MagnumTriumph]

@@PJ-sv4iw Thanks guys. And no, I'm only just starting out!

[@breakingchainsofms]

Good luck!

[@LittleFlowerluv]

Sorry for your loss.

[@EllieofAzeroth]

Dave I wish I could show how grateful I am to you for getting me and my husband serious about paying off my stupid student debt. Today we have officially had our first WOOHOO moment after paying off our first loan in our snowball!

[@blackjackjoker2759]

Don’t necessarily follow your passion. Go where you’re needed and bring your passion with you.

[@Elizabeth-yg2mg]

"Follow your passion" is such a cliche.....

[@CraigThePoet]

i like that.

[@mimsoostudio4776]

Nice!

[@69_bit]

Man this just spoke to me. Thank you!

[@adrenalinej2523]

nurses are needed, my passion is skiing ima ski on those nurses ya feel? nah jk but this logic doesn't always work but I see what you're saying lol

[@jvolstad]

He is in luck. He's not too old to join the Army. They will teach him how to cook.

[@shutupandeatasmr4498]

If I were him I too, would join military asap lol

[@FrozonNinja]

They Will definitely teach him how to rehydrate eggs!

[@armyretguy7365]

Best decision I ever made, at 17! I was a grunt tho, not a cook lol

[@fmccloud]

It’s pretty sad that we live in a country where in order to fund your education/dream you have to join a organization that kills people in other countries.

[@FrozonNinja]

@@fmccloud You don't have to, but it is an option.

[@spiritualgiftsireland3012]

I'm an ex Chef. Now I run my own business. Firstly Chef textbooks contain everything you need to know apart from pratical application. Buy those and learn everything yourself. Secondly practice your knife skills at home by yourself. Knife skills give you speed. Then approach a very good establishment and offer to work for free one day a week to do their prep work. When they see your knife skills, knowledge of sauces, meat cuts etc they will quickly offer you a position. If they don't then at least you have experience of being in a kitchen from doing the unpaid one day a week. *** If you go to college and then look for work you will still be considered a learner for many years and will have to work your way up. Finally if you want to fast track yourself then think of something unusual food related that is also pratical and easy for home use and start you tube and instagram. Special dietary requirement foods are really in demand as are healthy organic baby foods. Find a niche and become an expert at it. Best of luck.

[@TheCookieFranco]

Some of these callers make me sad, some give me hope, and some are amazing people. I’m glad my dad pushed me into the a Air Force when I was 17. I’m 34 as well, and never had to get a student loan thanks to the G.I. Bill.

[@Kebinnugget]

Thank you for your service! I'm 17 right now and still debating if I should join the Air Force. Glad to hear you're doing well!

[@TheCookieFranco]

Kevin Nguyen Join! It was one of the best decisions I have ever made! The Air Force is the best branch.

[@caity9244]

Thank you for your service! I highly regret not joining!! Highly.

[@Elizabeth-yg2mg]

Wish I'd done that -- instead wasted a decade on a dumb guy.

[@TheCookieFranco]

Elizabeth I just got divorced after 5 years lol.

[@michaelargenta3856]

YOU DONT NEED A CULINARY DEGREE TO BECOME A CHEF !!! USE THAT MONEY TO BUY A FOOD TRUCK AND SEE IF YOU ACTUALLY LIKE IT OR START WASHING DISHES....

[@TheE4kid]

Dave’s response before I even watch this: “get 7 jobs and work 300 hours a week”.

[@GratiaPrima_]

I’m just a girl who was born in Alabama here to appreciate the way Dave says “rest-runt” lol, love it.

[@nme.00104]

💯👌👍👏🥰💝💞💖💕😍

[@k00ltv69]

Same

[@JavaScriptJolt]

😂🤣😂

[@justinacase2623]

Roll Tide

[@GratiaPrima_]

Azzo Squirrel 🦅 !!!

[@brianb900]

This guy is in San Antonio, he needs to go oil field for a while and save money for his schooling.

[@danithaman4610]

This is so true

[@glorymanheretosleep]

I look at indeed and all jobs in the oil field require experience. What exactly is he suppose to do with no experience in the oil sector?

[@michaelb.8953]

@@glorymanheretosleep ahhhh the old catch 22.

[@brianb900]

glorymanheretosleep indeed is a joke when it comes to oil field, you need to go talk to people. Start out with some small company and get the experience you need to apply with a bigger company.

[@glorymanheretosleep]

@@brianb900 Ok....

[@WalesGaming86]

it breaks my heart when I listen to these videos and people have medical bills. This guy was barely in debt, however a broken shoulder has burdened him absurd amounts.

[@jt3877]

Reminds me of the call/episode of the tuba degree for $280,000.

[@hollyb6885]

J T That call is a CLASSIC.

[@AvecPoesie]

Underwater basketweaving would be more lucrative.

[@mrs.e3944]

What is tuba degree

[@diana7043]

J T have you heard the one involving a graduate from Orthodontic school who was $1 million in debt?

[@alexlechef2]

O wow that was a good call!

[@noirfit9721]

He can go to a community college for culinary arts. That’s what I’m doing currently. For the whole 18 month-2 year program is only 8,000

[@jconny65]

i really appreciate how non-judgmental dave is; he just gives the advice that he thinks is best and keeps it moving.

[@quincg7546]

my guy is trying, best of 2020 for you joshua 🤙🏾

[@DreadlocDivaNextDoor]

I’d recommend he get a trade that may require a certification or state license with relatively LOW financial investment (but high earnings)...Home inspection, mechanic, AC repair, plumber, real estate, etc... so he can make more $ within a few months

[@Jameson77777]

Trades take years. I’m never heard of anyone becoming a mechanic or plumber in months. Real estate agents often have to work for years before they can build up enough clientele or reputation to make a full time living. I’m not saying he shouldn’t do any of those those things but nothing you listed takes months.

[@priyazu4000]

How low of a financial investment relative to average earnings resulting from that?

[@russodidit]

Yeah no thanks

[@kamys6133]

From what I've seen trades aren't whatever they were years ago. Lots of these "trades" are now 2year degree programs.

[@santino5873]

Aircraft school. Airframe license 1year at community college, I paid total 5k including test fees. Starting pay aviation $24, higher other locations.

[@pey7777]

You don't need a degree in culinary arts to be a chef. Cooking is one of those fields where experience outweighs the degree any day of the week. He should just go apply for any line cook position at restaurants in his area, and I'll bet someone will give him a shot at pay equal to or slightly higher than what he is making doing doordash. Once he has his foot in the door working as a line cook he can easily move up the rankings over the years and eventually become a chef. If he really wants the degree he can save up money during this time to pay for it or see if his employer will help pay for it down the road.

[@BearFruit90]

I lost my years from age 26-31 due to mental illness as well as chronic illness. Thank god I didn’t take my life. I got on meds, and all the years of pain made me resilient towards the sickness, revived my career and now I am back on track. It’s never too late!

[@SherryEllesson]

This guy's got stars in his eyes, thinking that going to that particular school is going to guarantee him a high starting wage somewhere upscale. T'ain't so, sorry. Glad Dave talked some sense to him. He'd do better working as a cook for maybe a small, popular family restaurant and then getting experience under pressure and then, if he works well with others, they'd give him a chance and if he needed to walk away later, he'd have X number of years of experience.

[@BdDaBOMB]

Solid advice

[@SherryEllesson]

@NurturingTalents Neither does a four star hotel restaurant for people who are new. He'd probably have to take a 2nd job at least part time to supplement, and he wouldn't be the Lone Ranger in that.

[@cindaberry1108]

@@SherryEllesson doesn't matter, it's the experience, $50k less than art school with same or better skills learned.

[@fitnessforlife8966]

@NurturingTalents from my experience i have worked in 5 star hotel its extremely hard ti get job and dont pay much

[@ChristopherInTexas]

I'm from San Antonio just like the caller. They have culinary arts at St Phillips community college (only HBCU that is a jr college) for less than $5k annually. Less than a Pell Grant! This guy could save $90k for an associate's degree and get great training.

[@dotteddice2358]

That's awesome! 😁

[@oldtwinsna8347]

Caller is probably sold on some promises by the art institute, goes to sleep with glossy pamphlets next to him every night dreaming of the fake photos in there of success. He needs to let that go as fantasy land that just will leave him with a huge bill.

[@joneschad2810]

As a Canadian its unbelievable hearing someone casually say he's 37k in debt for a medical bills

[@email5023]

No one cares about some guy's opinion in Soviet Canuckistan.

[@xGribbles]

@@email5023 The fact you think getting in debt for medical bills shows how brain dead the US electorate is.

[@NitroniumGaming]

Agreed I am so thankful for canadian health care. I wouldn't be where I am now without it.

[@waelsaad588]

Thank goodness for the universal healthcare system

[@rebeccaweinstein6560]

@@NitroniumGaming said nobody ever

[@mytubeeeee]

Gotta love Dave for being brutally honest.

[@stan31222]

Im 18 and make 40k a year while going to school literally any job will make you decent income you just have to be willing to put in the work

[@Frankivchanyn]

You can teach yourself how to cook by learning online on google and KZbin for free

[@wmurray003]

Can't cook for a high level restaurant though.

[@xxxBradTxxx]

Yeah, that's true, but cooking in a restaurant requires process knowledge, timing, multitasking. Like making sure the rice is cooking while you're preparing the stake. You can only get that from working in a kitchen.

[@Tundra0128]

Yea lets put that under education and see how it goes "Learned cooking by watching youtube"

[@mattschmitt9924]

As someone who worked for 20 years in restaurants - your schooling doesn't mean flip in our world. You will use almost none of it until you get to that corporate level head chef job, (which has little to nothing to do with ACTUALLY cooking food - you're a babysitter / accountant / desk jockey) the pay is poor and the job is thankless. A degree in food doesn't teach hard work, long hours, dedication to the craft or how you clean for as much or more of the time than cooking. As a chef, I fired way more people with a piece of paper they overpaid for than "drugheads" off the street. Just go cook food your proud of. I always said to my co-workers, "every plate we serve is for your grandma." You'll get better and build a name that people will seek if you've got what it takes. Take a business and a Spanish class to fill in the knowledge gaps when you want to open your own place.

[@David53D]

El espanol es muy buen consejo.

[@jjtmmjjmm2113]

Dave Ramsey is a blessing to people that grew up without Dads. He gives wise advice that so many grow up without.

[@michtig]

I'm 40. Out of all my 5 friends that got a culinary degree after high school, only 1 still practices it. One of them never applied for a cooking job and went back to school to become a nurse.

[@avreypietila6960]

You do not need a degree to get into culinary if you want a culinary degree u can go to technical school.

[@kuraddohikari]

"I know several friends that are celebrity chefs" Please tell me that Dave Ramsey is friends with Gordon Ramsey

[@fitnessforlife8966]

He is just lying he has no frnd as celebrity chef

[@marcovaldez711]

Cousin

[@powers6253]

"It's RAW!" "You have a PhD in R-A-W."

[@thomasmorrison3279]

Great call and great advice. I'm glad the guy called in before it was too late.

[@jerrij4242]

"... So move!" What money is he going to move with? Where is he going to move to? What is the cost of living in the area that he moves to? Will he be able to afford it since he's dealing with financial insecurity as it is? I hate when people try to present simple, dismissive solutions to very complicated situations.

[@rigovargas17]

I didn't get the move thing either..

[@hpgkayy]

'Better than I deserve' is a fabulous response to 'how are you doing'

[@marioalcaraz7083]

I was a 5 star chef at McDonald’s making 18k+ a year while in high school. My boi can make it as long as he has the drive and passion to do so

[@sergioruelas3268]

Best culinary school is working in a kitchen entry level. 1000 new cooks cross the border everyday. They do it cheaper and faster!

[@CaseyBurnsInvesting]

46k to be a cook is too much.

[@anthonymehring2064]

Jeez your everywhere dude

[@armandov101]

St. Phillips College is a community college in San Antonio that offers culinary arts. It’s the oldest culinary school in San Antonio!

[@ibterror1140]

I hope he finds a company to pay some or all of his tuition to help him out. He seemed really nice and wanting to improve.

[@soesterbergblue]

Speaking from experience , I can say Dave's definitely right on this one. Long stressful hours for low pay even with a culinary degree.

[@emilyhodges4983]

I wish Dave would have addressed how to pay the medical debt more into detail. My question is because he has such low income isn’t there any kind of state care program that can help pay for the 40 grand of medical debt??

[@Black_Jesus3005]

Candle Lover this guy could easily settle this debt with the hospital if it’s not in collections. Some Hospitals do have programs if he just asks. I know mine does cuz they let me slide on my $500 copay for a hospital stay.

[@emilyhodges4983]

Melissa Justice -Todd does medical debt accumulate interest or hurt your credit?

[@emilyhodges4983]

Melissa Justice -Todd I understand but what if he just pay it period? Like it sits in limbo and he just cannot pay it ? Is there anything that happens to him? After 10,20 years?

[@nataliezander8801]

The American healthcare system is truly hard to understand for those of us used to the Swedish system. In Sweden, we can seek medical care at any time without worrying about huge costs - we pay a small fee, and the rest is covered by our welfare system. The contrast is striking when you hear about people in the U.S. having to pay thousands of dollars for something as simple as a bandage or basic treatment at the ER. It feels unfair that access to healthcare should depend on financial resources rather than being a fundamental need.

[@DaMainDude]

European chef here - dont waste money on a culinary school... go to the best restaurants in the city and offer to work for next to nothing in exchange for an apprenticeship. Once you have some good restaurants on your resume, no restaurant or hotel will care what school you went to down the line.

[@sov19871987]

I drop out from high school, went to construction, left, went to college, many years later at school... I am CPA

[@BigEvan96]

What is CPA?

[@sov19871987]

@@BigEvan96 certified public accountant

[@BigEvan96]

@@sov19871987 Oh nice. Good for you.

[@noresponseisaresponse]

If he's only making $14k as a gig worker... he's working PT... When you gig work to support yourself you have to have a hustler's mentality. You do that by accessing multiple platforms to acquire the income needed for youe living needs. It can be fun but at the end of the day it is work..

[@JermaineSam]

San Antonio isn't small, I'm sure there are community colleges there with some type of culinary program. Art Institute is a rip off.

[@rbkrishnasarma]

Community Colleges really give you a chance to prep for what you want to do!

[@ek5384]

God bless him, I think he sounds a little.. simple? He will get in a lot of trouble if he can’t find somebody to give him solid advice like Dave did here

[@aadamtx]

I had to laugh listening to the first few minutes and the cost - I immediately thought "He's applying to the Art Institute!" His best alternative is St. Philip's College in San Antonio - a public community college, part of the Alamo College District - where he can get an AAS in Culinary Arts in two years. The program is accredited by the American Culinary Federation Foundation Accrediting Commission. As an in-district Texas resident, he would pay only around $1500 for 15 SCH, or $6000 for the entire program (of course there are additional fees and expenses, but nothing overwhelming). Financial aid is also available.

[@Elizabeth-yg2mg]

There ya go--hope the guy sees this advice.

[@msbeaz]

God bless this young man. He cared for his sick family. A servant's heart ❤

[@mriphone1000]

Why dude, why? Be a manger at Taco bell or in and out burger. The pay has gone way up. Managers are making 100K at Taco bell and 160K at In and out Burger. Why put yourself under more stress and debt.

[@Cookieboy70]

Bullion Forever it is not $100K at Taco Bell for a manager.

[@Aznmf]

@Mr. R its 35k for general manager. Its 100k for the owner.

[@mriphone1000]

@@Cookieboy70 It's being rolled out later this year is what the news article states in some locations. Probably just blowing smoke to get people into the business.

[@JavaScriptJolt]

Mr. R ikr!

[@KellyMichaelsTV]

@@mriphone1000 Those articles said 100K for a GENERAL MANAGER. Probably not the onsite person. ANd it made no mention of the hours per week and at selected Taco Bells

[@gerardorios9885]

One of the main problems is that schools tell you to follow your dreams so people go get in debt with art degrees and then the dream become a nightmare.

[@saranwright7113]

There's so many options for him to succeed in the culinary arts. He could start his own cooking blog, he could start a food truck or bakery/restaurant, or he could start a cooking channel right here on youtube. You don't need school for every little thing.

[@Irene-gq4jr]

Skinning a cat is perhaps not the best phrase to use when discussing culinary arts =:-o

[@mr.speyside5240]

😂😂😂

[@ayishas4385]

PAH HA HA!!!!

[@valeria-militiamessalina5672]

Unfortunate phrasing indeed.

[@wisdom2578]

just burst out laughing in the middle of the night😂😂😂. Thx for the laugh Irene

[@martinmi5]

Maybe he is going to work in a Chinese restaurant 😂😂😂

[@NeoAndersonReloaded]

Why you want a degree to cook? Just cook and if its good people will come.

[@wittyusername9544]

People think you need a degree in everything. Degree in Microsoft Office. Degree in Tuba-ing. Degree in public speaking.

[@isettech]

Line cook and starving musician have something in common. The schools sell the dream there are more people who eat out at fine dining than fast food. Unfortunately most people eat out on burgers and pizza. Most cooks want the pay of the chef that does baked Alaska for desert and orange rabbit for the main course, but most of the work open is flipping burgers.

[@Justify4935]

lol

[@kavinmclaughlin1973]

I love when he presses the button on the desk to cut them off.... basically saying, “alright, now listen to me.... you have nothing else more to say” lol

[@WillSullivan0523]

$14K a Year!?? You need to learn a new Skillset and not one from college or traditional schooling. I have learned more about earning more money from other Entrepreneurs and KZbin than any college or job is willing to show you and now earn around $400K Per Year! Dont settle for what Society teaches you about money cause it is often WRONG and can have you struggling FOR LIFE!

[@HomeGrownPyro1]

👍

[@elizabethtimothy4776]

William, can you share the skills you learned from those mentors to achieve that financial breakthrough?

[@biellaspointofview2054]

Elizabeth Timothy maybe checkout his channel

[@WillSullivan0523]

@@elizabethtimothy4776 I have a ton of knowledge to share but do not want to disrespect Dave Ramsey's channel with links and all... just dropping my opinion and experience. If you want to get ahold of me, my contact info and social media is all over my own KZbin channel.

[@glorymanheretosleep]

@@WillSullivan0523 In other words, this is a scam?

[@Tr1Hard777]

I'm making 25k on my first job. I don't know how people get such low paying jobs.

[@Tr1Hard777]

@@SanobumLD50 that's where I live.

[@Tr1Hard777]

@@SanobumLD50 i live in a town of 20k people in the Midwest. Lol

[@lefthanded5473]

@@Tr1Hard777 25k there is prob good.

[@_blacksunflowers_1384]

I really hope he looks into more options that are more affordable, even if he has to move. Community College is a great option and like Dave said, working as a sous-chef. Beet of luck!

[@officialrivv]

This is why family is such a burden at times...

[@jiLiIsAliveAndSleepy]

As an AI graduate who has been repaying her loans since 2012, I wouldn't advise it! They are known for their poor education quality at ridiculous prices...

[@sarahs5340]

He should marry a woman who wants to climb the corporate ladder and support her in a career. He can work part time and take care of the home. He sounds like a good, nurturing man and would make a great stay at home husband.

[@blackbutterfly233ify]

Why would you even say that

[@angelabakloyvovtchaikovsky1609]

Ok. My dream job and career growing up was journalism. I like writing. I gave up that career and pursued things that had nothing to do with it. I pursued things that made money. I stopped reading things that seemed to waste my time I pursued things I knew made money

[@adamo36532]

This guy is right about this one. Paying 46k to be a chef is beyond absurd. You can easily get the exact same job working and gaining experience in the field rather than wasting money in college for this degree

[@bluecollarmoneyinvestingch396]

Culinary Arts... Okay if you can pay cash for it. Not a good return on investment if your end goal is to do well financially.. Especially when you are 40k in debt. Listen to Dave. Consider the trades if you want to make a decent living without alot of schooling.

[@SadieFeinstein]

God bless this man. I pray God helps him and guide him

[@PracticalBibleStudies]

Start as a line cook and work your way up!

[@Ymcdaj]

May God bless this man and Good Luck!

[@laneblount9888]

Go work in a plant. I had a friend who went right out of high school and worked in a plant inspecting tanker trucks coming in and out and he started at $25 an hour with little to no experience

[@k00ltv69]

Lane Blount that’s hard to believe, unless you know someone??

[@glorymanheretosleep]

Which plant is this?

[@wittyusername9544]

Guys there’s plenty of minimal experience needed, on the job training labor jobs that pay a lot. Everyone has that one friend who didn’t go to college and probably went to a trade school and makes over 50k a year.

[@k00ltv69]

Witty Username yea and trade achool cost money to get in😂

[@glorymanheretosleep]

@@wittyusername9544 What if you have no friends?

[@monicadhenderson8670]

Yes you don’t want your dream to become a nightmare!!!

[@mattmartin2205]

Good call Uncle Ramsey

[@00Noontide]

Tough call, glad the caller was told the truth straightforward.

[@PhillyGirl1124]

You can quickly become a millionaire if you start a cooking channel on KZbin and work hard at it Gary V style. Tons of KZbin cooking channels with a large following making 6-7 figures.

[@MikeMikeYT]

This guy seems so wholesome and polite.

[@RossCampoli]

There’s a limit to how much you can save, whereas there’s no limit to how much you can increase your income. I learned a lot about this from Ramit Sethi’s book “I Will Teach You To Be Rich!”

[@jacobshaw2991]

Ross Campoli - Leadership & Business Videos if there’s no limit to how much you can make then there shouldn’t be a limit to how much you can save🤔 aren’t those directly related🤷🏼‍♂️

[@RossCampoli]

Jacob Shaw you’re right, I wasn’t too clear with my words. There’s a limit to what percentage you can save, but saving 100% of $14,000 isn’t as much as saving 50% of $50,000

[@isettech]

@@RossCampoli Change saving to investing. Savings are generally 0.01%. A current ad on TV brags about paying several times the average savings rate. Big deal 0.05%. My investments average 10% or 200 times the rate advertised on TV.

[@SEXISTEPH79]

Hope this guy makes it and becomes free of his debt and finds his passion ❤️👋🏽🇬🇧

[@Ricardo_C]

Become a truck driver for 2 years and save the money to pay for school in cash.

[@glorymanheretosleep]

Truck driver salary is 30k a year....

[@crankshaft1053]

glorymanheretosleep 50+

[@Ricardo_C]

I'm a truck driver making close to 90k a year 🤷‍♂️

[@crankshaft1053]

Ricardo Chavez I know Walmart near me is 100k a year but that’s if you have experience

[@KellyMichaelsTV]

@@Ricardo_C That's cools but you do have to realize that life isn't for everybody. Alot of people can barely safely drive an SUV, and the hours are long and tedious. How many hours per week?

[@heathernicole3012]

Go to Technical school and get a certification . You then can work a trade to support yourself . Programs are only a couple a months and you are set. That’s what I did and am doing well.

[@jerad4336]

Learn a high income skill or trade!

[@jerad4336]

@aena mustafa if your good at it then it’s good.

[@jerad4336]

@aena mustafa take a look at high demand skills or trades such as engineering, computers, healthcare jobs such as ultrasound or nursing. Pick the one that you would be best at doing and do it.

[@jeremyrowe8224]

Good advice here - best thing to do is start in a kitchen and try to work your way up/get help with training.

[@DirtyPrancing]

Funny enough, chef is one of the few career paths where you can work your way up and don't have to go to school

[@marcoseesmarcoshares]

*At least this man realizes the financial hurdle he is in and now can take the necessary steps to correct the problem. Trade schools and apprenticeships are where it’s at ✊*

[@pre-script931]

Everyone: how u doing Dave"Better than i deserve"

[@rockeyrocket1224]

I worked as a short order cook for a while and enjoyed it. It didn't pay much but time went fast because things were always hopping in the kitchen, sort of like a coordinated dance from the moment you arrived till the time you checked out from the shift.

[@donttouchme2095]

I graduated in political science no job because of "No experience" are you kidding me. Right now I work in sales fk school.

[@escanordaone9383]

deymm dat was a waste of time then omg im getting nervous when i graduate highschool

[@TheLuxeTraveler702]

I went the lowest cost trade school in my field and dont regret it at all. I recieved a good education for 1/3 of the price of the "top school". Trade is more hands on than the educational part. He should look into community college.