I’m a Financial Wreck

[@dustinkenney5803]

Her son calls Dave Ramsey tomorrow, “so my Mom is asking me to help her pay for a parent plus loan.” Dave Ramsey tells him to tell her you’re sorry and that you love her.

[@dialac1]

This should be a wake up call to everyone. You must start planning your retirement once you turn 18. The earlier you start, the easier it is to

[@rillawhat8142]

These calls are exactly why I've been driven to build wealth for over 30 years, despite 99% of my community trying to push the "live for today" mentality. They don't see the barrage of life challenges coming, so they are ALWAYS unprepared. Not picking on the lady, but years ago, when she made 6 figures, if someone suggested that she save and invest a minimum of $20,000 a year, she may have chosen to "enjoy life" for moment.

[@annaburns2865]

I wish I could even earn 20,000 a year.

[@brightpage1020]

You know you are sitting on a high horse throwing shade and starting rumors based on conjecture you have no evidence to suggest. Stop being so self righteous and start accessing compassion. Belittling her for choices you don't even know if she made only pumps up your own ego - falsely, by the way. You just come across as an egomeniacle jerk. You just come here to fluff your feathers by putting other birds down? Maybe hindsight is 20/20. Does your comment help her or anyone struggling with this? Is it valuable to her to hear you tomd her so long ago... Even though she's never even met you probably? You know I was like you. I thought it was simple and easy as long as you worked consistently at it. I had over $1 million saved. I planned a family and saved for retirement as well as a home and to provide for them so when my kids were born we wouldn't have to worry about anything. And we didn't - for a while... Until the world began changing. But all it takes is 2-3 like big medical craptacular events you can't control happening around the same time or a getting sideswiped by divorce or the death of a loved one... Or whatever - to wipe out a fortune. I mean a fortune of savings and investments. (No divorce here, medical was all it took bit I have seen folks fall who might have even been migbtier than you - Heaven forbid, right?) 1 special needs kid that sends you I to a different bracket of insurance necessity despite healthy pregnancies - just had complicated births. Plus an extra set of snow tires plus - whoops and unforseen.... Whatever. Life happens. You don't make 6 figures by accident. This woman is capable of wise, intelligent decisions and planning. And executive function. To treat her like a peon instead of a person because of what she might be going through only exposes the harsh cruelty of your own maladaptive character's true nature. Huff off on your high horse, then, Snarky! May you never fall off or break your neck, jumping. Sincerely. I pray you get to stay on top indefinitely. But I'm also a realist. I don't think you'd even have the guts to get into eventing. Google: equestrian 3 day eventing. Dare you to look it up and report back. Bet you're too scared to even google it. Because folks in glass houses shouldn't throw stones. And you know it. Besides, if your Elon Musk levels of dividedens on good decisions are so prosperous for you why can't you throw her a bigger bone of support than subjection? Because it would never occur to you. You're too busy being snide and haughty about your higher and mightier status than the folks who call for help anxious through a desperate season. How dare you?

[@treylem3]

​@@annaburns2865Why can't you "earn $20,000 a year? Could you work from home, with a computer? My understanding us that many people do, but idk for sure. I pray you are well and able to grab the bull by the horns, to whatever degree you're abilities and God allow

[@carbro6334ify]

Wow this makes my heart happy how uplifting and supportive you guys are to this wonderful woman!

[@NICE_DECOR321]

👍

[@annaburns2865]

Yes! They are way nicer than Dave Ramsey!

[@matthewwilliams9200]

This was so convoluted she didnt say anyting about what was going on clearly. Your husband lives in the neatherlands, move to the netherlands and be with your husband if hes retired and is living ok there you need to be there til you both can move wherever together. Live with your husband

[@Shay-yg7nm]

I feel like there's more to this story than were hearing

[@fascination2525]

I wish they had clarified the husband situation.

[@worldnomad2301]

I wish Dave would’ve taken this call. There are so many holes in this story. They didn’t even ask her what her previous job was, what is her level of education, what is preventing her from returning to that previous job (because she stated she is physically capable now), or at least acquire a similar job. Was her job that niche? I’m so confused.

[@TalyaT922]

Yeah, a lot of important missing info.

[@catherinewilke5583]

It almost doesn’t matter what she did in het previous career. A 58 yo person (especially a woman) faces huge hurdles to employment. I’m not sure why she isn’t on disability, frankly.

[@annaburns2865]

That may be the case. But if Dave had taken the call he would’ve had to pay her psyche hospital bills. Because he would’ve made her suicidal on live radio. You can’t just treat people like shit and get away with it. And to be honest, I don’t really think she was making 6 figures in American money but in Holland. It’s like she was making 6 Euros.

[@jakeclothier]

But the Euro is generally stronger than USD

[@Dad-in-WA]

Yikes. Uphill battle but still attainable at 58y. Hope this lady will succeed! Ugh, parent plus loans. Thanks for sharing.

[@investorchristheroadtof.i.1918]

You will be a financial wreck if you use Dave's 8% withdrawal rate The money guy show just showed all the actual data in a excellent video explaining sequence of return risk investments do not always grow at 11% and it is not easy to beat the s&p 93% of professionals that get paid hundreds of thousands of dollars can't beat it constantly

[@midlifecrisis7888]

Holy f. This is my nightmare scenario. I can’t be old and broke. Being old is bad enough but Both? Dam.

[@drtij_dzienz]

Twas indeed a cautionary tale to fully fund your retirement and 529 accounts, which are two important baby steps this caller skipped when she was making six figures

[@AviationDirection]

Good thing Dave didn’t take this call!

[@Mike-ly7ev]

Dave’s money advice is great but his people skills sometimes are lacking. I would be so vulnerable calling in and asking for advise. If he told me I was stupid and scorned me for making stupid choices that I know were already stupid choices I would freaking lose it. I’m calling for help not a beat down lecture. I’m really hard on myself and don’t need additional mental battle wounds Dave could give. These 2 did great. Just Help!!

[@richman117]

@@Mike-ly7ev yeah but sometimes you need to hear that. Your inner monologue should talk to yourself like that to drive you to not do something. You can just be babied sometimes, or it just happens again later.

[@summerforever6736]

dave is right you stupid noo need to be nice@@Mike-ly7ev

[@TLA123y6f]

@@Mike-ly7ev You're right on all points. That's why I love the Romain Fauer show. He is firm but gentle, compassionate, does not shame people that are already hurting, does not call them names and lays out a step by step way to solve their particular financial problem. He's great !!!!!

[@gene_takavic57]

I wonder if she has contacted her previous employer to see if they would take her back. If she didn't leave with any heat, it can't hurt.

[@tuckt6180]

No way, why have a train wreck to the office 🙃🙃🙃🙃🙃🙃🙃

[@debragiovine9797]

Good luck with that,,, working for company,,, You are just a name and number on piece of paper,,,

[@debragiovine9797]

Maybe Chris hogan will Call Dave ,,, and ask for his job back too,,,,

[@tuckt6180]

@@debragiovine9797 with fringe benefits 🤣🤣🤣🤣🤣🤣🤣🤣👍👍👍👍👍👍

[@Primitive_Code]

Greeting people at Walmart at 58 years old, yes. Working at McDonald's at 58 years old, NO.

[@suen5006]

@novakd1530 That's not the point. She may not have the stamina to do McDonald's. I certainly don't. I think she should point her to something physically easier, like customer service or clerical work.

[@richardle7469]

McDonalds don't pay that much here.. I do armed security making 20

[@drn13355]

58 isn't that old. Depends on how her body is. I work with RNs in their late 60s working ER and ICU on their feet for 12 hours doing hard work.

[@lang6626]

@@drn13355I thought arms make good money to retire early 😢

[@DebbieBennett-p5v]

She probably lost all that 6 figure income to the illegal in the Netherlands. He's not here helping her . And parents! Stop getting parent student loans for your kids!

[@Chele-nm4qx]

I'm actually impressed how John handled this call. Normally he goes overboard with the troubles people & doesn't do anything for the people other than bring up more issues. So shout out to John this time. You don't need to dig to fix these peoples problems.

[@Allergic2broke]

Pray for Valerie and all people in her position 🙏

[@summerforever6736]

waste of time bro

[@drtij_dzienz]

About 27% of people who are 59 or older have no retirement savings

[@Allergic2broke]

@@drtij_dzienz that sucks

[@Nonsense116]

McDonald's ain't paying 20/hour. That's what they put on the sign to get people into the door. She'd make a killin serving at a nice sitdown type place. So many of people my age don't see the importance of solid customer service. If she is able to show up, get the job done, and brighten people's day. I know people who make 6 figures working as a server at a kinda nice restaurant. Like $25-$30 a plate. Nice but nothing super crazy insane.

[@DericAnslum]

...they probably are...trick is they probably work her less than 20hrs a week...

[@deborahmeek6529]

I am a server, make 70,000 a year but I am 40 been doing it a long time, it is very very physically taxing on your body

[@Nonsense116]

@@deborahmeek6529 absolutely it's taxing. There's definitely more money to be made out there. The vast majority of people would rather stay at their place than get a new job with better pay. Better the devil you know than the one you don't!

[@TLA123y6f]

At 58? Waitressing is very hard physical work - she may have some left over physical challenges due to her accident. Plus, unfortunately, there is such a thing as ageism in this country. I truly hope things work out for her. And, yes, where the heck is this husband of hers in the picture ?

[@nickgarcia4988]

So why doesn’t she live with the retired husband?…. Are we really not gonna ask the most obvious question?

[@TLA123y6f]

I think they were so focused on fixing a total disaster that there wasn't time to address that. Yet that's a very valid point.

[@EHull-c8q]

Hubby is living with her.

[@NSGLiv]

Why is he telling her to work at McDonalds, dude didn’t even ask what her background was or if she had a degree, if she was making six figures at one time I’m sure she can do it again especially since she has all her physical facilities back, she needs to be able to retire, working about McDonalds isn’t going to get her there, I don’t like the McDonalds advice at all and it’s not a pride issue problem

[@Adrian.adrian24]

Yup… John always takes calls and rambles then into useless crap.

[@chazzkramer7676]

He used McDonald's as an example, as he saw $20 an hour on the sign. How did people get stuck on McDonald's???

[@eurekahope5310]

I wish her the best!!!

[@tdub102]

financial problems can't be fixed if you're physically and emotionally sick. it really sucks.

[@wWvWwWvWw]

A greencard does not cost $5000.... maybe with flights but not for the filling fees alone... (I know, we've done it)

[@MindsetMastery148]

making 6 figures and has no saving to 16/hr is insane

[@michellebaily-defina644]

She said she used to make 6 figures now she makes 16 an hour.

[@Manx123]

Many such cases!

[@gdolly166]

Glad he jumped in with baby step priorities.

[@DMBVR4]

This is one of the few times I would consider bankruptcy to start over clean along with finding that new job. Even three fast food jobs aren't going to make a dent in $60k all while trying to buy food and shelter right now.

[@extremecarpetcleaning-wvwi86]

No McDonalds pays 20 an hour. Even in New York and California. Up to 20 is what the sign says. Usually it's around 11 to 15 an hour.

[@henryjosuesanchezzelaya142]

There is a McDonald’s in Gandy Blvd which is next to the bridge that connects Saint Pete and Tampa, they were paying $20/hr. There is a McDonald’s in Saint Pete where they have been advertising $17/hr for most of the year, before it was at $19/hr. I’m sure NY and CA have multiple.

[@InternetUser._]

In n out pays 22 an hour.

[@t4876755]

In my area signs say $!5 per hour at McD's.

[@wewhoareabouttodiesaluteyo9303]

@@t4876755 An ! ? Does that mean you name your wage? "I want this McDonald's to pay me $25/hr."

[@bruh-q1g]

people think it’s so easy to make 20 an hr, that’s the pay of most managers lmao it’s a lot even though it’s barely livable. the most i’ve been able to get over the past 6 years is $17 hr, but i was forced into a union that took $600 every 6 months and 5% of all my pay every paycheck 💀 unions are horrible when you’re broke, they don’t increase your income to pay for all the dues.

[@Corkfish1]

How'd you get to 58 after making six figures and have nothing but debt??

[@drtij_dzienz]

Boomer yolo

[@Summer_haiku]

Right sounds like poor planning and now freaking out. I don’t feel bad

[@dappyfull]

Poor life choices. It happens more often than you think

[@RobGoldy]

Holy fk I feel so bad for this woman I wish her the best in life

[@drtij_dzienz]

She Shoulda saved that six figure salary in a 401k and a 529, let that be a lesson to all the youngns watching today. You don’t have to retire fat in your 50s but you do need to prepare for unemployment and poor health in your 50s. Use a coast FIRE calculator to plan for it.

[@jlava1575]

Are you just saying that because she's in your generation? Do you have the same sympathy for the younger generations that didn't have half the opportunities this lady had in her lifetime. Not that I don't feel bad, just playing devil's advocate here. To be clear her formative years were during the absolute best of economic circumstances and she blew it by being stupid.

[@felipeoliveira2219]

Imagine Dave Ramsey taking this call...

[@drn13355]

"honey you're broke"

[@marshallhollins6185]

Why would you marry somebody 17 years older than you with no money smh

[@littlesongbird1]

married for love I guess?

[@suen5006]

@pumpkin6464 He's not illegal, she said she doesn't have money for a green card. It can take a long time for a spousal visa, like years!

[@unfairsanic5089]

Im happy that johndelony helped this caller emotionally. Its hard to get back on track when that person is down on their luck

[@TLA123y6f]

Yes. Extreme stress/anxiety can render someone non-functional. John's got a heart.

[@Jacob-wr7ch]

This woman sounds like my mom. Anxiety ridden. She needs therapy or meds. Won’t fix the money problem but she shouldn’t stress as much as she is it’s not healthy.

[@miggylol]

I can’t even even with these comments. This woman is suffering through some real mental health issues. Debilitating anxiety is eating her alive and she doesn’t have the resources to go seek help and it has probably been this way for years. Y’all have a complete disregard for those struggling with mental health issues. @ the host, thank you for handling this like a champ. You changed this woman’s life.

[@comment2250]

I would hardly say this call changed her life. There appears to be too much going on here for a moment of positive talk e.g. you're a champ, you're an amazing person, you're this that and the other.

[@joesmith3590]

lol. Such. Emotional woman response. This woman has anxiety because she messed her life up and hasn’t addressed fixing it.

[@joesmith3590]

Omg you are a man. No dad for sure.

[@TLA123y6f]

@@joesmith3590 Getting in an accident and being disabled for 4 yrs and your perspective is she messed up her life. Wow.

[@joesmith3590]

@@TLA123y6fso I am sure staying home when you haven’t saved for the first 54 years is going to help your mental situation. They are 75 and 58. That means they didn’t plan for life.

[@sasukesuite1]

Student Caller: “My parents took out a PP loan and want me to pay!” Advice: “They signed for it, they pay!” Parent Caller: “I can’t afford the PP loan!” Advice: “Your kids need to help pay!”

[@deannagillett2186]

I don’t agree. We did a Parent Loan for part of our kids education. They paid part, took the Stafford loan ($15,00/for 4 yrs), and we helped. If we needed the Parent Loan to help with that, it’s our responsibility.

[@leatharay3565]

You do not have to pay for your children’s college.

[@fredhammer6413]

“ GET ON WITH IT !!!! “

[@David-wo9un]

What happened to her six-figure job? If she is legally married, how is the husband here illegally?

[@wreckers_band8825]

The process to get his green card cost money and she doesn't have any

[@r3lativ3lyd3lib3r8]

​@wreckers_band8825 He could go mow lawns and make some money under the table until he got the amount needed for the card. Like he's really just gonna sit around and be an extra mouth to feed? Not to mention she started saying he has properties and stuff in the Netherlands. He has money, he just refuses to use it to help her; they've not combined their lives and he's just sitting here "retired" watching her struggle and letting her feed him.

[@drtij_dzienz]

@@r3lativ3lyd3lib3r8 he’s 78 and retired af

[@r3lativ3lyd3lib3r8]

@James_Hough She says in the call he's in the states right as they were cutting her off.

[@ruthirwin8222]

​@@r3lativ3lyd3lib3r8i thought she was going to say he had property in netherlands

[@Gus_Chiggins]

A green card isn’t $5,000

[@JL-ly7me]

It can be cheaper if you can do all the forms by yourself or even more expensive if you need help with the paperwork

[@ricksanchezsflask8794]

There are a bunch of them in the UNO games

[@ricksanchezsflask8794]

@anon1407 UNO card games

[@gbutkus103]

Bro hate these callers calling in talking a bunch of bs

[@alinatamashevich3354]

Should have told her open mic night is on Wednesday.

[@annehajdu8654]

Standup pays less than McDonald's.

[@willelliott5052]

I wonder for how long she has been married to her foreign "husband". Something seems pretty off about that.

[@alisummers7984]

Lots of places now prefer older workers as the younger generation , many tend to be lazier, and don’t stay at jobs long- I have many friends who own businesses and they all say they will take an older adult over a young twenty-something.. they say work ethic just seems to be better with the older generations.. and it appears true- I know this woman can get a better job- I wish her all the luck and that she attains peace with herself soon❤

[@TNFVLOGS]

She needs to try and get back into the field of making 100k.. I would look for a similar job that pays that type of money in the field she was at previously

[@debragiovine9797]

All she needs to do is hop into a Time Machine and go back 30 years when she Was younger,,, and start looking for that 6 figure paying job,,,

[@ricksanchezsflask8794]

We don't know what she did. Her six figure job could have been made obsolete or outsourced. She may not be able to do the physical aspects of it.

[@TLA123y6f]

@@ricksanchezsflask8794 I've noticed that people love to judge others without knowing the whole story.

[@JasonGroom]

Just another example of this show contradicting itself. If he children call tomorrow and say that their mom told them that their education is covered, and took out loans to do it, and now want them to pay for it, they would tell those children that their parent's poor financial choice is not their problem to solve.

[@JonathanIvy221]

“We as a couple.. that’s me” Lol what. This lady probably has a tech support husband in India.

[@Bestfriend-650]

Did you listen to the video?

[@Stephan2P]

Old people don't have to go through this.

[@SO4JTV]

P🙏R🙏A🙏Y🙏I🙏N🙏G for you Valerie from Atlanta Georgia!! ★Proverbs 3:5-8 “TRUST in the LORD with ALL your HEART and do NOT lean on your OWN understanding. 6) In ALL your ways ACKNOWLEDGE Him, and He will make your paths STRAIGHT. 7) Do NOT be WISE in your OWN EYES; FEAR the LORD and TURN AWAY from EVIL. It will be HEALING to your body and refreshment to your bones.”

[@alvinsmith5686]

There’s more information that’s missing.

[@James_Hough]

I think she needs to see a doctor anyway. She is off kilter in a way that may have an organic cause. Needs to be checked out. Also, why do I not believe that she EVER made a genuine 6 figures? Why is she not even trying to get a job in the field she used to be in?

[@Aaa0483]

Valerie, with 51 states, millions of mens around you pick up a retirement men overseas ??😮

[@MsDezB1]

...with no green card. Or money. I really wish Dave had this call.

[@Aaa0483]

@@MsDezB1 agree with you

[@1981lashlarue]

51 states? Have we added one that I'm not aware of?

[@baconblaster6422]

51 states huh

[@dennis.teevee]

didn't know Puerto Rico is a state now

[@Esmeraldalunamaria]

The reason I decided to work closely with a brokerage adviser ever since the market got really tense and the pressure became so much(should be retiring in 17months) so I've had a brokerage adviser guide me through the chaos, its been 9months and counting and I've made approx. 650K net from all of my holdings.

[@Isabellajuana]

Passive income is truly the dream! It is a great joy to know that your money multiplies while you sleep.

[@Kelvinmeans79]

​@@IsabellajuanaI always thought about how to grow my money but I found nothing. You seem to have understood that would you advise me please?

[@Isabellajuana]

​@@Kelvinmeans79I recommend that you speak to my personal investment coach Theresa. Just check with Ms. Theresa Cann SERVICES 👇👇👇

[@Isabellajuana]

INSTAGRAM

[@Isabellajuana]

Theresaannecann08

[@macpduff2119]

Something about this woman that strikes me as being inauthentic. Is this her 3rd call to a radio talk show? What is she after? I don't believe her story.

[@tonymason6637]

To everyone making comments like "there's more to this story that we're missing" - I say thee, "duh". This is a call-in radio show, where the call lasted 12 minutes. We're not going to hear the entire story in 12 minutes.

[@lucianosuarez9563]

Pride is self respect! , and is nothing to do with arrogance, vanity or superb ...

[@Prettymom619]

The second you said that Mc Donald’s was hiring for $20 an hour her tone changed lmfaooo

[@andreacomiskey2249]

He also didnt say the small print…up to $20…that is for a manager probably full time

[@Prettymom619]

@@andreacomiskey2249 it was funny to me because a lot of people will cry and say they can’t work but if you mention working in fast food then suddenly they’re too good to work there. That is why it’s funny.

[@randomutubr222]

Nah a manager at McDonalds makes OK money. Not great by any means… but $65k-$100k with benefits depending on location. Not a lot but more than hourly at $20.

[@Prettymom619]

@@randomutubr222 it’s more than what she is currently making

[@eggsinsideme]

Mine would too if that was at all true. These guys have no idea what McDonald’s actually pays out in the country.

[@valerieann2751]

I’m wondering if this woman had a private disability insurance with her previous employer. If so, she can probably get paid because she is no longer able to do the job she currently had due to disability. That will help immensely. And her current mental health issues w may also lead to a disability diagnosis. And goodness, her grown children need to help this poor woman.

[@gordonmccracken1209]

In Atlanta GA (ITP) I believe you can deliver food for Uber with a bicycle or electric scooter. I can understand if health may impede doing such though.

[@blaquopaque]

5% annual return is easily thrown out there for illustrative purposes, but not so easy to achieve! Recently my $2m holdings have been fluctuating 8% up and 20% down. I want to know; Hold on or sell off my positions and hold cash?

[@Curbalnk]

If you're having trouble hitting 5% annually, I would advise you to speak with a market strategist or obtain some financial guidance. Even though the returns on your equity investments are not linear, you may achieve 7.4% in less than a year.

[@greekbarrios]

this is huge! mind if I look up the advisor that guides you please? i only invest in my 401k through my employer for now, but enthused about diversifying my investments for a prosperous financial future

[@greekbarrios]

Thank you for sharing, I must say, Monica appears to be quite knowledgeable. After coming across her web page, I went through her resume and it was quite impressive. I reached out and scheduled a call

[@ginoturano6821]

I'm getting 6 percent on a savings

[@BaconMountainMan]

You can get 5% on a high yield savings account. If you're dealing with 20% losses, you are in higher risk stuff ... Might be a good time to revisit your allocations.

[@chrischristensen1478]

Honestly might be able to declare bankruptcy, even on the student loans. The Justice Department has become far more accommodating with discharging those loans over the last few years.

[@c2s2942]

These two should be the future of Ramsey solutions

[@samrusoff]

They're great but Jade needs to be included as well

[@diannemc3179]

@@samrusoff Jade is awesome👍🏻

[@nordikcajun5417]

Green card doesn’t cost that much money. What a bologna

[@hrishikeshkarale9928]

Not a failure as long as u fighting to win

[@nnyv0040]

jobs need to pay more. you shouldn't have to be working 2 or 3 jobs to survive.

[@kiki11974]

Agreed. But I also think that regardless of salary that she’s made some odd decisions. Not sure why getting married to a man in another country who cannot come to the US would ever make sense

[@edwardflores4846]

Lady please get to the point

[@untouchable360x]

Too late for her. She's been working 30 plus years and was making good money. If she invested all her money instead of making bad decisions, she would've been in a different situation. Marrying an illegal who cannot work was not a good decision.

[@drn13355]

"marrying an illegal"? The f does that mean? Anyone from the Netherlands is "an illegal" I retired form the military last year 3 combat deployments and my wife is from Estonia. You ever call her "an illegal" in my presence and your face is going through a wall.

[@thehungrywolf69]

She needs her family… it’s sad she’s on her own… 🤦‍♂️🤦‍♂️🤦‍♂️

[@dennis.teevee]

"six figure income", doing what?

[@drtij_dzienz]

Probably generic office bs, then got replaced by someone younger who knew how to use Microsoft office and print pdfs

[@fishmonger7020]

Remind me why she can’t do the old job?

[@Sarnarath]

She sounds super anxious and stressed. She needs to relax and maybe listen to Alan Watts and Eckhart Tolle and Boards of Canada music

[@richardle7469]

Ken lasted 2 weeks at McDonalds.. i worked 4years . And at 21, worked 2 McDonalds jobs.. after 6months riding bike... i said fuxk this, and joined army. ... after army picked wrong MOS. Now work security and still .. at least i know if i am close to homeless , i would have help. ...

[@arfriedman4577]

This husband sounds like he needs to get a job to help her. Its strange, the husband is in another country, cant come to usa.

[@tubenachos]

Valerie stop feeling sorry for yourself and make it happen. Jeezus stop being a victim

[@drtij_dzienz]

She’s a victim of not saving in 401k and 529 during her six figure days

[@Dr.irenebuenavistamolina]

She needs a mental health provider that can prescribe antidepressants or anxiolytics as soon as possible. Her anxiety is way through the hoops, she has to fix her state of mind first, otherwise, no amounts of coaching will work.

[@jcherestal]

By chugging down Prescription pills are you serious

[@drn13355]

If she could start seeing progress on the debt she might not even need them. She feels hopeless right now. What I don't get is her husband situation. She said he is retired, but does he have no money?

[@TLA123y6f]

You are absolutely 100 % correct. I've been there.

[@blackspiderman1887]

Hey George. I just want to say i support you and Dave was wrong for calling you out like that on air many days ago on the 4% withdraw without checking your video first. Even if he didn't agree, he didn't have behave the way he did on air like that. He needs to apologize to you on air. I sure hope your making an escape plan

[@jerrydixon3862]

Whoa what happened?

[@blackspiderman1887]

@@jerrydixon3862 KZbin or someone removed my response lol

[@bmc9587]

He's no Frasier Crane

[@aznsumthing]

Two minutes in and haven’t gotten to the point. I can’t do it.

[@curiouscat3384]

Me too - she's like a drowning person pulling me down with her. Nothing useful to listen to here.

[@TLA123y6f]

@@curiouscat3384 This isn't about you. She's in a horrible position that is taking a huge toll on her mentally/emotionally and she's calling for help. Geez. You people are something else.

[@onicamary123]

These callers make me think they are handing out six figure salaries left and right without any hard skills lol

[@cookies4582]

This lady is being lied to by the enemy telling her shes no good and shes a failure that is the lie from the pits of h*ll rebuke that right now in the name of Jesus praying for her 🙏❤

[@fishroy1997]

Bankruptcy. She might pass the Brunner test to doscharge thr parent plus loans.

[@larrygunn3796]

The New American Dream.

[@jasonleatherwood2172]

16$ a hour welcome to the real world most people make 16-20$ a hour

[@owenson7969]

16h is poverty. Im 25 yrs old making double that. Her situation at her age making 16h is very sad. Especially coming from 6 figures.

[@MrJimmy3459]

That's far from being true, average income is 58k a year well above $20 an hour

[@BrianW211]

@@owenson7969 $16/hour is not officially below the poverty line in any state.

[@alinatamashevich3354]

@@owenson7969 32 an hour doing what exactly

[@nightfangs2910]

​@@MrJimmy3459where is that?? I'm in Massachusetts and most jobs here pay 16-22 per hr and Massachusetts is one of the most expensive states in the country

[@Manx123]

Hmm, obviously, telling somebody like her to just work fast-food jobs is bullshit, but she actually bought it. One day, perhaps, there’ll be a sob story so _prima facie_ hopeless that no financial guru will say anything but, politely, “You’re fucked.”

[@jimmymcgill6778]

What McDonalds is hiring for $20 an hour?

[@dearestdarling9467]

I see that sign in a lot of places, but I’m in MA. Starbucks and Taco Bell are hiring managers for $25 and hour. I can’t imagine employees are too far behind

[@r3lativ3lyd3lib3r8]

Usually it's for management. The sign just says that to entice people to apply.

[@jimmymcgill6778]

@@dearestdarling9467 Well MA is $15 minimum wage.

[@kendrapratt2098]

Is Arby’s open in the morning, John?

[@wewhoareabouttodiesaluteyo9303]

There is one by me that does open in the morning. They have really good breakfast sandwiches. Who knew?

[@howtodiy123]

The husband can open a small business with his ITIN. I been working with this type of businesses.

[@EuroEnthusiast1990]

Why would you work for 16 when you can make 20 just about anywhere right now.

[@catherinewilke5583]

Why the heck is a 58 year old woman married to a 75 year old man. This is super fishy.

[@DiaJasin]

Hi Wreck, I'm Dad

[@Fred1294]

Maybe she can try working more then 9 hours a day with that kind of debt. I have no debt and work a minimum of 12 hours a day.

[@stevelarson6384]

this woman is just nuts.....slow DOWN!!!! Breathe......quit your job...find other ones.....$16/hr is going to fly.......find the right jobs....

[@bernardlynch5226]

Great video! I appreciate this alot. The world is changing fast and going digital... There are so many ways you could actually leverage on this while making money using your digital device. I have an expert who's very accurate and always yield a great positive return in investment.

[@ericbergman7546]

It is always good to have a financial plan. I work with a professional planner and fixed-income strategist in NY. The fixed income portion of your portfolio won't simply serve as a buffer to the volatility of the equity portion of your portfolio, but will provide legitimate income.

[@christopherherbert2407]

​@@ericbergman7546Very true, people downplay planners role, until burnt by their mistakes. I remember just after my layoff early 2021 amidst covid outbreak, I needed to stay afloat, hence researched for license-fiduciary advisors. Thankfully, I came across someone of practical knowledge, and decades of experience, I liquidated 200k of 325k from my 401k it has yield nearly 1M after subsequent investments so far.

[@cherylhills3227]

​​@@christopherherbert2407oh that's great! For me, i've shuffled through a few experts in the past, but settled with Lucy Rose Carter. The strategy they use is recession-proof, more specifically profit-oriented , and most likely, you'd find her basic info on the net, she's a renowned advisor.

[@matteoschilcher9957]

​@@cherylhills3227I Saw a recommendation about this Lucy Rose Carter earlier this year and I looked her up on google then wrote to her. She replied me and created a slot for me. I made an initial payment for a start. I was surprised when I received my turnout so massive in less than two weeks

[@rodgertim2881]

​@@matteoschilcher9957Insightful. I need some advice on how to rebuild my portfolio and develop successful market tactics. Where can I find this professional portfolio manager?

[@kasession]

I want to know what she did for 6 figures. And why her kids NOT paying these loans.

[@drtij_dzienz]

Parent plus loans are taken out by the parent and owed by the parent. That’s why her kids don’t pay them

[@evanswilson8369]

The wisest thought that is in everyone's minds today is to invest in different income flows that do not depend on the government, especially with the current economic crisis around the world. This is still a good time to invest in gold, silver and digital currencies (BTC, ETH.... stock,silver and gold)

[@drsallygeoffrey2900]

As a newbie you’ll need to invest in a company that is working towards sustainability, like that of expert Angela Mae McClain, and her abilities in handling investments are top notch

[@mrjonesowen1070]

Yea What'sapp 👇

[@mrjonesowen1070]

+134

[@mrjonesowen1070]

3801

[@mrjonesowen1070]

5275

[@naomiking8287]

I wish people could just get to the point

[@SpacecityAtv]

Have yall thought about telling people to uber? Ive heard its good income

[@mbank3832]

This country really needs to stop spoiling kids and teach them to have hearts. They move out early to impress their friends and their boyfriend/girlfriend (at the moment) and abandoning their parents, and then asking mommy and daddy to pay for college (what happened to independence ?). Now their parents need help, they just gonna shrug it off and think it is not their problem. If this is the type of kids I will be having, I will stay being single

[@drtij_dzienz]

The typical parent plus loan goes like this. Kid is graduating HS with little motivation or direction. Parent feels bad because their peers’ kids are all going to good universities. Parent wants to push kids into college. “Hey kid, you should go to college” “mom, I CANT go to college because I don’t have the money to pay for it and you didn’t save any like Jimmy and Mindy’s parents did.” “Honey, going to college is the best thing you can do. I went to college and make six figures now. I have taken out loans for you to go to college, don’t worry about them, I just want to see my child succeed” “k mom guess I will go to college then” then later parent gets the good ego feeling of telling Jimmy and mindy’s mom their kid is also going to college. It’s years later, parent ability to work is breaking down everything gets twisted “you SAID you would pay the loans back once you started working, I need to retire!!!” “Mom, I never wanted to go to college. You boomer took out the loans to push me. I majored in communications and work at Starbucks rn. After rent, car loan, groceries, I have nothing left to pay off your loans” Kids who are motivated to go to college will make it happen. Scholarships or sign the loans out themselves.

[@janelleg597]

Breakfast serving job. Dang

[@kathya1956]

George, did you get reprimanded?

[@debragiovine9797]

She is 58 year old. It’s call age discrimination ,,, that’s why she can’t get a half way good Paying job,,, once you reach a 6 figure salary the age and time is against you,,,Companies Let employees go by downsizing,,Once you reach a certain age,,, you are old in the corporate World, it happens all the time,,, And all the pep talk,, by Dr John,,, is not going to chance her life situation,,,, unless Doctor gives her a Time Machine,,,,

[@drn13355]

She isn't going to get a 6 figure job. She is going to be working at Arby's. Arby's aint going to fire her for age discrimination. Places like that are so desperate for help they will let her work until she is 100.

[@NoRegertsHere]

Probably some other barriers she needs to get over before she is an issue with her

[@catherinewilke5583]

Agree. I was happily working at almost 50, and then two of my same aged colleagues and I were all let go. Seems the admins decided that we were too expensive. Age discrimination is alive and well in the American economy.

[@tetra3ne56scur3]

Does her husband not have a green card? Clue not from America There will be other problems coming up later on the future

[@kiki11974]

I dont get why she doesn’t get a visa to live in the Netherlands