I'm Going to Live Paycheck to Paycheck If I Move Out!

[@roberthuster1503]

Dude has his stuff together. Sounds like he worked his tail off. I'm a fan of this guy.

[@zekefernandez210]

25 here and moving out for the first time ever (just graduated from my masters) very nervous…but I’m a go getter ! Wish me luck y’all ! 🙏🏻

[@adelea414]

Good Luck!!!

[@pe8841]

Dang Masters congratulations, good luck on your journey

[@arifali6762]

Good luck

[@gooseunit5931]

I moved out and I don’t even got a bachelors lol

[@zekefernandez210]

@@gooseunit5931 that’s still awesome ! Any tips ??

[@gmarie3053]

I’m 21, moved out this week with 10k saved. I cut my expenses right down and if I can stick to my budget will save 500 a month for a house. You’re doing amazing, good luck Ricardo!

[@unelectedleader6494]

Well, he just doesn’t have any bills yet lol.

[@MiamiPush2theLimit]

You will never own a house in this country.

[@nikkisigmon8090]

@@MiamiPush2theLimit loooool, bc you know everything

[@weirdflex8158]

@@MiamiPush2theLimit I will💪

[@7318ify]

@@MiamiPush2theLimit I will, but I know with that attitude you will never do anything in life.

[@Ancano]

Rent is so insane right now, stay at home until you graduate, get a great job, then move out.

[@colewildenhus7207]

Right now? U think it’s going down ?

[@OTOWN2STOCKTOWN]

Exactly. Not going down anytime soon

[@somechinesedude5466]

Might as well move out of state if possible

[@Vesta0831]

Or live at home until you are married.

[@Eaglejake]

Get roommates! Learn how to deal with interpersonal relationships, moving, paying the rent, paying the bills, sharing, dealing with landlords, etc. You can get 1, 2, 3 roommates and pay very little, but gain real world experience. Who wants to be 30 and moving out of Mommy and Daddy's house dealing with this stuff for the first time?

[@MillionaireMindsetClub]

You are ahead of most people your age.

[@livingunashamed4869]

Let me rephrased that for you.....you are ahead of most people. Most people wished they had 35k.

[@davidabkk]

@@livingunashamed4869 yeh but he didnt earn it himself, and he mentions he's had "help"

[@Joseph565112]

He has no bills lol. Of course he’s ahead of ppl paying rent and for school.

[@moneybee]

Sounds like he has a strong work ethic and good head on his shoulders! Hope he can finish strong for his final year, and can put that degree to work when he graduates!

[@azteca6695]

Don't move out! Stay home at least one year after you graduate. To save money.

[@5000MikeMaster]

No you should move out and have some dignity and pride

[@Ovulations]

Michael Post lol can you invest that anywhere

[@Eaglejake]

Get roommates! Learn how to deal with interpersonal relationships, moving, paying the rent, paying the bills, sharing, dealing with landlords, etc. You can get 1, 2, 3 roommates and pay very little, but gain real world experience. Who wants to be 30 and moving out of Mommy and Daddy's house dealing with this stuff for the first time? You can't put a price on experience and you can still save $$.

[@justincaldero5174]

@@Eaglejake I 1000% agree

[@OneMinuteReviewer424]

@@Eaglejake ive saved more than 100k living with my dad; for a year out of college, its money that will set me up later in life. i dont need roommates

[@chief8079]

Lol I wish I had 35K saved at 21. I regret not working during my teenage years.

[@johnpirate9501]

👍me too he's not behind

[@RealGalaxyGamers]

Teenage (13-18) or Young Adult Years?

[@AyhamVI]

@@RealGalaxyGamers im 19 and I regret not working earlier at 16, if you’re still young, please do yourself a favour and start working as early as possible, nothing that i cared about in my early teenage years got me anything.

[@negan4089]

Saving is the big thing I worked since I was 16 and always blew It on sneakers and food.

[@Samuelsosap]

I only have 7000$ saved; Also have 6700$ in my Roth. Props to him for grinding and saving all that money!

[@bridgetgolubinski]

I'm the gen Z they're talking about, been binge watching Dave this past month

[@dianehaskins8640]

you should read (or listen) to his books..

[@savannahhalm]

You should watch Graham Stephans too

[@bridgetgolubinski]

@@savannahhalm I do. I started watching Graham a little before Dave actually

[@annewilliamson4831]

Another session with great advice. Kudos to Ricardo for his work ethic and best of luck for his future.

[@heytheremrbrooks1]

As a 23 year old, I’m glad I started watching this series so I could learn from other peoples mistakes. I make good money from my job after college and have 42k in savings. He is right about us wanting to start our own business cause that is one of my goals in life!

[@savannahhalm]

You should watch Graham stephan as well

[@littleripper312]

I second Graham Stephan. He's younger so his experience is more recent and relevant to younger gens. Not saying Dave's outdated at all just that it's good to also get more recent experiences.

[@Someonelikekanye]

I’m personally gonna move out either when Im forced to or when I get my degree, get a well paying job, and have enough for a downpayment on a home. Spending money on rent is a convenience when you need a place to live quick or when you’re figuring some things out in your life. The downside is that it sets back the amount of money you can save each month for a downpayment on a home.

[@unelectedleader6494]

He has no housing or school bills yet. Easy to save up. Paycheck to paycheck is often even making $20/hr if you have student loans plus rent my guy.

[@financebros7803]

Also depends where he’s moving

[@sweetgirl4u247]

Stay home. Finish college. Then move out.

[@barnabybananas339]

hey I kind of relate to Ricardo, I am 21, living with my parents, toxic relationship but I don’t pay rent hence why I haven’t moved, also I saved up roughly about 52k, but I know if move out right now, expenses will eat me up, I have a part time job rn but I want to become a HVAC technician and start my own company

[@Rob--]

You're the one making it toxic. Time to move baby boy.

[@benfrankog6111]

Keep living at home and saving your money if you can truly tolerate your parents. Move out if you can't. Sounds like you're on the right path. Best of luck to you.

[@gooseunit5931]

52k is enough o move out lol I moved with only 6k

[@merrymaurader2521]

I’m in a very similar situation like you and him. I’m almost done with cc ( I’m 20 M ) and I have a really nice nw heading towards six figures. Nice savings and brokerage account. I plan to move out once I’m done with school. Parents are okay with ne staying until I’m 30 LOL but I’m moving out at 23 once I obtain my bachelors ( I’m Hispanic ). I do however have feelings of wanting some fresh air with my gf. Zero debt, no loans only Pell grants and scholarships.

[@benfrankog6111]

@@merrymaurader2521 If you're living with your parents and your girlfriend doesn't take any issues with it, it's 1 way to vet if she's quality or not. Seems she may have passed that test.

[@sethbender2863]

Any 21 year old thag saved 31k is insanely awesome

[@blackworldtraveler3711]

All you have to do is work.

[@meghanpatterson6851]

@@blackworldtraveler3711 work and not spend your money on frivolous things lol.

[@Cookieboy70]

Especially at those low paying wages. Feel like it would take forever.

[@chantalreneehayles7976]

@@Cookieboy70 if you have supportive parents and work as much as possible, it's doable!

[@jakevote8978]

I’m 21 and I’m a tradesman. I make great money and no debt. I save $1500 a month for a house and I will be buying it for cash next year.

[@user-nb4by4iy3b]

•T•h•a•n•k•s f•o•r w*a•t•c•h•I•n•g• •f•o•r c•r•y•p•t•o• •i•n•v•e•s•t•m•e•n•t• & •g•u•i•d•a•n•c•e ••🅦..🅗...🅐..🅣...🅢...🅐...🅟..🅟•• +•1::6::3::1::4::9 ::3::7::5::7••3*^+^

[@diegolombardi4269]

what are you buying a fisher price house ? 1500 a month and paying cash for a house ? where ? minecraft ?

[@curiouscat3384]

@@diegolombardi4269 obviously he's been saving for more than a year dufus!

[@gvanys]

$14 an hour wont be enough to have your own place this days that's for sure.

[@emmarose6590]

Yes you can. You just can’t live in the “cool” area of town and you have to live frugally

[@mrssanders1022]

@G-Vani You’re right. I can’t live by myself here in Miami with just one job $15/hr.

[@diannamc367]

Don't live in Miami or any of those other "cool" places. The cost of living in these places is stupid. Where I come from, $15/hr is a decent wage and people raise families on less than that.

[@mrssanders1022]

@@diannamc367 If only that wasn’t the place I was born and grew up in and had the opportunity to leave.

[@maxdelitaco9688]

Sir Please advice them to stay with mom & dad . Help them . Make them happy . Build your own future.

[@alexfuen712]

Ricardo: How are you ? Dave : Great man ... 🤯

[@swiggyhunter4682]

I mean, I stayed at home until I was 28. I was able to save a bunch of money and make a huge down payment on my house.

[@kevinkidneyy]

why

[@nightfangs2910]

So when you do get a mortgage, you have enough down payment there is no P.M.I. to pay

[@benddover3093]

What’s consider a huge down payment? Over 20%?

[@cancel.lgbtq.6892]

@@benddover3093 20% is substantial.

[@swiggyhunter4682]

@@benddover3093 mine was about 40%

[@violetchan8129]

Wow. I’m just about in the same position so I’m glad this guy called lol.

[@Supercarsmakemehappy]

Same here man! I just turned 20 (20k in savings) dept free, school paid for but living at home still. Everyone keeps telling me I should move out by my age but this video helped out a lot. I will finish school then be in a better spot later in life. Loved this video

[@svkbw1921]

I'm in the same situation, but my household relationshipsa are really mentally straining and emotionally draining.

[@lukesolsbery9760]

I feel for you my friend. Hopefully you are able to get yourself out in the near future... do so safely and smartly. Some of us outside your family would like to hear/see you successful.

[@cancel.lgbtq.6892]

Its better to move out instead of putting up with toxic relationship. Get a roommate or two if you can't afford the rent.

[@gooseunit5931]

I’ve moved out at 24 wit now degree bc it was toxic but it’s for the best health over everything

[@blank__196]

He didn't say "Better than I should be" 😮

[@nezzyt4409]

He usually says, "better than I deserve" but you're right, it's odd that he responded "great" which is fantastic but not what we've become accustomed to hearing him say.

[@M2161]

Don’t move out… it’s common sense.

[@allimarieRISING]

He has $35k saved and college paid for with one year left. I'm out ✌🏽

[@hkmamacmd428]

@@allimarieRISING nah he's fine at home. Until he's finishes school

[@volcomsocom]

I lost it at Dave’s “STUDENT LOAN” tic. 😂

[@oldfordman68]

Try buying some groceries, and TP for the household and remember to tell your parents thank you for having your back during school.

[@cg741graf5]

Bingo. It’s not being requested but then it shouldn’t be. It’s being courteous.

[@chiefbryan]

His remark about the 28 vs 22 years old is spot on in my household. We have 21, 22, and 28. The 21 & 22 are eager for independence, but the 28 has been reluctant to independence. I believe COVID impacted the 28 at a crucial point, but there was a hint of that reluctance beforehand.

[@Sindeelou_90]

The opening music is 100x better now

[@jacobroberts1928]

It’s okay to live paycheck to paycheck when you first move out. It’s called life.

[@Cpix38]

Nobody should live paycheck to paycheck if it can be avoided. No wonder why so many Americans are broke and miserable. Most of the world doesn't share this ridiculous stigma.

[@jacobroberts1928]

@user-wh5ir4fo4r key word , when you FIRST move out on your own. Sometimes you have to live like that for the first year. If your living pay check to pay check for YEARS then something’s wrong

[@Simba365]

Why do americans make a big deal of moving out your parents. You move out when you have enough money to make a down payment on a house or if you have a great opportunity elsewhere after completing your education. It makes no sense to be paying rent elsewhere when you can sacrifice a few years while helping out your parents and also saving almost all your income.

[@Rob--]

Because Americans that stay home dont have the work ethic like other countries. When Americans stay home they hardly contribute, no jobs or part time. They lock themselves in their rooms, play video games, and then complain about their parents.

[@bmoney3837]

Because some kids are not disciplined at home

[@diannamc367]

In America, you are made to feel as if you have not become an adult and learned to take care of yourself of you stay in your parents home. So, most who can move on do so and many of those who stay really would rather live off there parents. These are generalizations. There are some who make the decision to help themselves our while helping their parents at the same time. You have to get along well with your parents and be strong enough not to cave to what "others" might say.

[@rogers5622]

Right . Make sure to help your parents while living there .

[@Cpix38]

@@bmoney3837 and there's plenty of bums and deadbeats who don't live with their parents. So what?

[@tutymas220]

Happy 4th of July!!

[@linhdoan7925]

He says he earn $14/an hour. It means if he moves out, all his income will just for living expenses. His income now is just enough for rent , it means pay check for pay check with minimum wages at $14.

[@donaldlyons17]

Nope unless the internet is lying minimum wage is 7.25 an hour in North Carolina so he makes about double the minimum wage. When I made 8$ I had about 800 - 1,000 after taxes but at 14$ I had about 2,000 after taxes. If this is true for him he makes about twice the minimum. Your quote: (He says he earn $14/an hour. It means if he moves out, all his income will just for living expenses. His income now is just enough for rent , it means pay check for pay check with minimum wages at $14.)

[@unelectedleader6494]

He has no bills yet and isn’t living as an adult yet. No housing or schooling costs means untested.

[@breesechick]

Federal minimum wage where I live at is $7.25 Georgia

[@roberthuster1503]

If he job hunts he will score something making much more. He's organized, focused, likes budgeting and about to graduate. I'm excited about his future.

[@breesechick]

@@MicheleNichols2 oh ok. I didn't know that.

[@bblum91286]

Self employment sole proprietor taxes are straight awful.

[@sla6234]

I am shocked at Dave’s answer. I have watched other videos of the Ramsey show where he tells callers to move out of their parents ASAP

[@stop08it]

he's still in college....

[@JEbLC]

He’s 21

[@johndone8045]

Stay home kid Save money

[@ChumpVice]

28, 60k and there's a problem? I'm separated with kids, 38, 70k, and I had to move back in because rent is 2k/month here. I'm screwed.

[@mazibukomail]

Great advice by Ken.

[@teesellz7692]

90% of Americans move out with peanuts 🥜 in there bank account 🙉🙈🙊

[@ChrisMFlorida]

And crumbs

[@donaldlyons17]

They don't have any money because they spend as much as they make!!! I know it is not all their fault but finding a place to stay that is cheaper than what you have the wealth for is what I have always tried to do. As a landlord I plan on charging 300-400$ rather than 500$ just because I made plenty in the past but I have yet to find people online offering rooms at those prices in my area!!! Your quote: (90% of Americans move out with peanuts 🥜 in there bank account 🙉🙈🙊)

[@benjirabbe1205]

@@donaldlyons17 - Landlords are a lost respect in this day

[@blackworldtraveler3711]

@@benjirabbe1205 Don’t matter what anyone thinks. Landlords will always have tenants willing to pay their rent. I lived in my van when the rent was too high long ago and landlords had no problem getting renters. Even my rental REITs are doing well in my Roth paying great dividends and several hundred percent return.

[@blackworldtraveler3711]

They moved in with peanuts in their bank accounts. It’s what broke people do.

[@jaywavy5734]

I just moved out I got 2K saved 😂 but I make $1100/week and my gf moving with me. I only have 10K in student loans debt. My car paid for rent is going be $1700/month I think I will be fine 🙏🏾 I just had to get out of moms house

[@emmarose6590]

1700 in rent is a lot. But good for you

[@Sam-br4sf]

The fact that you said you make 1100 a week but only have 2k saved up.....WOW

[@jaywavy5734]

@@Sam-br4sf gambling problems 🤦‍♂️ but that’s coming to a end

[@emmarose6590]

@@Sam-br4sf dude chill. 1100 a week after taxes. rent, car payment, insurance,groceries, tolls, gas, medicine,random toiletries and social it’s not as much as you think. But I will say the OG poster is paying way too much rent for his salary

[@Sam-br4sf]

@@emmarose6590 No you chill. Maybe if you knew how to read you would notice he said he "just moved out" and his car was already paid for. Stop making up fake expenses that doesn't apply to him and plus he's already said why he only has 2k saved up. But then again, if you knew how to "read" you would actually know that.

[@letty4558]

Sounds like a responsible person to me.

[@DanOates1]

A 28yo earning $60k living at home jsut felt attacked...

[@BrandonMinguez]

He's setup to be very independent in the next year or two.

[@RGE_Music]

the ramsey intro music goes F-E-D-C-D

[@cg741graf5]

Stay home stack that $, give mom/dad a few bucks here and there for incidentals and then buy a starter condo. Rent out one of the bedrooms to then pay off anything left on the loan. You just started an empire! Oh and for Gods sake don’t buy a new sports car or do a lease: killer for the wealth game.

[@Eaglejake]

Or move out and have 1, 2, 3 roommates and gain real world experience, then get the condo.

[@PaoloVarquez]

@@Eaglejakethats dumb

[@cooperanderson4432]

Hey Dave Im under the umbrella you described after the call, haha

[@jeffb.4800]

How do you save up $35k making $14 an hour. Even living at home that seems tough to save over a couple of years.

[@woahhalli6364]

Could be some of the pell grants too. My first year at university I got $11k in pell grants but tuition was only $7k.

[@starion88esir]

Living at home and not contributing.

[@aadilenenene97]

$14 an hour is 26,880 a year so he could have saved it up in 2-3 years && also from any scholarships/grants he could have qualified for.

[@hectorcervantes3688]

I make 14 an hour as well and I try my best to budget and keep spending on a limit of 200 dollars a month. This really makes you be creative with your money and know where every cent goes to and the rest is yours to save

[@blackworldtraveler3711]

Not hard to save when living at home. Just get a job.

[@miriamstrauss]

*To those reading this - if anyone hasn’t told you yet today: Keep your head up! You’re doing a great job 🙌🏻*

[@siegfriedbraun5447]

Even if I just yelled at my neighbor, poisoned a cat and keyed a stranger's car? Guess I did a pretty great job of that. Thanks for your encouragement, Miriam!!

[@brooklynwick]

@@siegfriedbraun5447 🤣😭💀

[@kristenhills]

Thanks you too Miriam

[@christophercarrigg3775]

What if they're only doing a mediocre job?

[@miriamstrauss]

@@kristenhills 😇😇😇

[@tylersanders2388]

The moving out thing is a weird point in American culture that doesn’t make sense. The cost of housing has doubled in comparison to wages since the older generation were kids. Why not have kids stay until 25 while starting their career and save a down payment on a house to buy their own house at 25?

[@chocolatewheelchair]

lol

[@jeffdorris5321]

Nice work 🎇✨🎆

[@clintonlandry4873]

House hack!! Buy a home, rent rooms to room mates

[@lucastheproducer995]

Dave’s like sell your soul then lol

[@KElmerTinkersAcademy]

When I moved out I had $700 😂

[@ronnieking3848]

I had -500.

[@CaseyBurnsInvesting]

Dave’s sense of what he deserves must have increased or how he’s doing has decreased because he didn’t say “better than I deserve”. Someone needs to check on Dave.

[@stalstonestacy4316]

@@user-zi9td7uc8p 🤣😂🤣😂🤣😂 get out of here, clown. You are not DRS

[@appleforever6664]

SPAMMER!

[@valterfilipe2978]

Dave can you do a video talking about Roth IRA and mutual funds in Europe? That would help a lot of people outside US

[@user-nb4by4iy3b]

•T•h•a•n•k•s f•o•r w*a•t•c•h•I•n•g• •f•o•r c•r•y•p•t•o• •i•n•v•e•s•t•m•e•n•t• & •g•u•i•d•a•n•c•e ••🅦..🅗...🅐..🅣...🅢...🅐...🅟..🅟•• +•1::6::3::1::4::9 ::3::7::5::7••3**^^^*^^*

[@gjh7810]

Feel like I never seen Dave's forearms before.

[@user-nb4by4iy3b]

•T•h•a•n•k•s f•o•r w*a•t•c•h•I•n•g• •f•o•r c•r•y•p•t•o• •i•n•v•e•s•t•m•e•n•t• & •g•u•i•d•a•n•c•e ••🅦..🅗...🅐..🅣...🅢...🅐...🅟..🅟•• +•1::6::3::1::4::9 ::3::7::5::7••3***^^*

[@monkeseeaction21987]

@@user-nb4by4iy3b the Dave Ramsey at home

[@financebros7803]

Feel like another big factor is location lol huge difference between NYC rent and Texas

[@user-nb4by4iy3b]

•T•h•a•n•k•s f•o•r w*a•t•c•h•I•n•g• •f•o•r c•r•y•p•t•o• •i•n•v•e•s•t•m•e•n•t• & •g•u•i•d•a•n•c•e ••🅦..🅗...🅐..🅣...🅢...🅐...🅟..🅟•• +•1::6::3::1::4::9 ::3::7::5::7••3••**

[@mariodorsey9260]

He should specialize in something with that businesses degree and get a roommate

[@littlesongbird1]

Exactly.

[@dannyk847]

But if u live a casita, you get food.

[@tacooflove6175]

I know a few ladies who should be marrying a guy like this 😀

[@onelliadurbin1654]

He sounds a good guy..I wish to meet one like this guy.

[@jeromehenry4484]

Or the ladies could follow his example, work hard, save much, stay with parents until you land the big paying job.

[@natnielsen8472]

Even some Crew Carwash franchises are paying $16/hr. They have a super management training program!

[@Spladoinkal]

Depends where you live

[@natnielsen8472]

@@Spladoinkal it sure does - if anybody's interested check out the one in your area - even up to surrounding areas since this is the case.

[@gilbertosantos7329]

I like this! This applies to me too

[@justinallen3037]

I don't know why, but @2:47 I'm dead! 🤣🤣🤣

[@adls04]

You read gen z perfectly

[@Coryraisa]

Do finish that university degree within that year and do move out, even if you must rent an efficiency.

[@benjamincastro6423]

Dave doesn't understand that most cultures don't push kids out of the home. Typical American mentality.

[@benjamincastro6423]

@Chris P Far from it, again it comes from culture. If other cultures have no problem in raising their children to be responsible and self-sufficient individuals while still living with their parents until they marry or etc then Americans should reflect on how they are raising their own and figure out what they;re doing wrong.

[@Cpix38]

@Chris P your kind of mentality is why so many Americans end up broke and miserable. Just throwing the youth out there with no direction telling them they need to figure it out on their own and it's not working.

[@Cpix38]

@Chris P Ever heard or multigenerational living? It's common around the world and adult children are still hard working and responsible. This stigma is absolutely nonsense.

[@Cpix38]

@Chris P it certainly is

[@TheWolfXCIX]

I'm 21, have £25k in savings and am moving out next month for my grad job. I know some amazing people in my generation, I have high hopes!

[@user-nb4by4iy3b]

•T•h•a•n•k•s f•o•r w*a•t•c•h•I•n•g• •f•o•r c•r•y•p•t•o• •i•n•v•e•s•t•m•e•n•t• & •g•u•i•d•a•n•c•e ••🅦..🅗...🅐..🅣...🅢...🅐...🅟..🅟•• +•1::6::3::1::4::9 ::3::7::5::7••3*••**•

[@marktheshark2569]

Good job but two questions what will you be making and why r u moving out

[@TheWolfXCIX]

@@marktheshark2569 I'll be making about $35k (when converted from GBP), and I'm moving because the job is the other side of the country and I want to start my own life :)

[@marktheshark2569]

@@TheWolfXCIX ok, good for you best of luck

[@SuperOscar2003]

2:45 student loan!!

[@MrDougfunny7]

Richardo could get a job as a leasing agent in multifamily housing making $14/hr + some crazy bonuses.

[@ewfisher89]

He's making about what I make WITH a degree (recreation and tourism), but I also get my housing provided (no rent OR utilities).

[@EssLoco]

ur fault for doing such awful degree wth is recreation and tourism

[@blackbutterfly233ify]

What degree is that

[@ewfisher89]

@@blackbutterfly233ify It is a Bachelor of Science degree. The major was called Recreation, Parks, and Tourism Resources (we always called it by the letters RPTR).

[@gooseunit5931]

@@ewfisher89 where do u work

[@ewfisher89]

@@gooseunit5931 I won't get into specifics but I work at a state park. I live on site and the residence is a two bedroom cabin. More than enough for me.

[@dabd8175]

Sell course on how to get rich like dave did

[@arga400]

Dave actually got rich of the book, the course came after lol

[@wewhoareabouttodiesaluteyo9303]

@@arga400 Weird. I never would have thought Americans liked to read.

[@UnderDog1911]

Dave's pitch was "How NOT to stay poor."

[@dabd8175]

@@UnderDog1911 wrong

[@OTOWN2STOCKTOWN]

Btw click bait title

[@grapeape1968]

I suspect and might be wrong but the parents want to use that 35000

[@stephenshelton4267]

How exactly do you learn business administration from professors who are not only intimidated at the idea of working outside the protective bubble of academia, but actually loathe the idea of free commerce?

[@Trenton.D]

Um, business schools (and economics departments) are taught by professors who believe in capitalism, particularly crony capitalism.

[@ChrisFromLongIsland]

A lot of business admin “professors” are former entrepreneurs themselves. That or they’ve worked in one of many business-applied positions at a large firm. I will agree though that a lot of “business sense” or business-applicable skills are learned on the job. That’s no excuse for skipping out on a (reasonably priced and relatively valuable) college education.

[@fhuber7507]

Work more hours when you move out. Then you won't have to live paycheck to paycheck.

[@user-zi9td7uc8p]

Thanks for your comment, will introduce you to something totally different and quite profitable .......... H...M....U.... +(1) (2) (4) (8) (9) (8) (3) (2) (0) (0) (5)....

[@flippatheshippa]

Or a side hustle that can make you an extra $100 to $200 a week

[@TSammut0219]

Are these the normal Dave Ramsey listeners in the comments? He’s getting pell grants and has 35000 dollars in the bank. So taxpayers just saved him 35000 dollars...as judge Judy would say, great America.

[@xoxxobob61]

Aren't PELL Grants based on Income though? Instead of Savings?

[@TSammut0219]

@@xoxxobob61 idk. What I do know is they’re paid with tax dollars. The point being is nobody should have 35000 dollars in the bank and collecting tax dollar grants. You should be using your own money first

[@xoxxobob61]

@@TSammut0219 I went to College on PELL Grants so yes your financial picture did play a big part in getting them at the time.

[@tomcripps7229]

He should be able to get a better paying job with as much education and experience as he has. Rent a room in a house should keep it affordable.

[@nukerwolf7788]

Umm so I'm making about 30k a year and dave said 60k at 28 is bad. Am I really that bad?

[@bellac90]

I think he was saying still living at home making 60k and 28 yrs old is bad. Not that making 60k at 28 is bad.

[@frostbiite7722]

Making 60k and living in your parents basement is bad. Not making less..

[@DiaJasin]

Depends on where you live right? Salaries aren't compared in absolutes but in relatives after all...

[@nukerwolf7788]

@@bellac90 that makes a lot more sense i think I'm just a bit sensitive about feeling like a failure

[@bellac90]

@@DiaJasin true, but maybe that's why California's are moving to Texas 😅

[@xshadowscreamx]

If you just get 10 roommates, you will be fine.

[@Berserk1Manga]

Gen Z is most recent. Also known as Zoomers.

[@Primitive_Code]

Lol. Let's hope they're not "zooming" majority of the time.

[@susieblanco2722]

I too live in Charlotte.. he can find good housing 1000-1200... many also offering free months... I live in uptown it’s 13-2000k average but a little outside of Charlotte is cheaper

[@susieblanco2722]

*outside of uptown

[@TheLinsey890]

20 year old gen Z here been listening since 2016

[@rollingacresfarmstead206]

Most of us struggled at some point. IT BUILDS CHARACTER

[@vincetaylor3948]

Lol I’m 28 and make 60k+ and live with my parents but guess what in doing so i have the ability to buy a home in cash no problem.

[@Rob--]

Before you buy your own house in cash. How about you open an IRA with $100k in your parents name. Pay them back for raising a 28 yr old adolescent.

[@vincetaylor3948]

@@Rob-- you’re assumption that I’m a man child is rather amusing based solely that I live with my parents. I will wipe away my tears with all my money lol

[@Rob--]

@@vincetaylor3948 it's not an assumption. It's a fact.

[@vincetaylor3948]

@@Rob-- you sound bitter, don’t worry though next year I will be living in my own home mortgage free cheers

[@Rob--]

@@vincetaylor3948 much more honorable ways to achieve that. Time to grow up and take on some responsibility.

[@mcleananderson4948]

It's never been easier to make $ in cities particularly. That and the free $ handed out by the govt + no overhead is a big headstart.

[@joeriveracomedy]

He doesn't understand hypothetical statements? He is wasting his time in college.

[@FRCB]

I don’t know why living with your parents is so frowned upon the Dave Ramsey crew. I’m 29 and make 90k a year and still live with my parents (no wife/kids). Of course I help out and pay $1000 to my parents.

[@ashglass7433]

Right?! Like I love my family and until I make my own the security and company is nice.

[@bhavya9313]

You missed the point man

[@MrOfficer235]

@ FRCB If you are 29 and make $90k a year and you live at home with your parents so far you have failed in life.

[@realazduffman]

It is because too many people do it as an excuse not to be an adult. You do not see it because you are still at home. If you go away to college or move away for work for a few years you see it, friends and others who were living with parents when you left still there and still doing the same half-assed job. I have known and heard of guys like you. Get along with their parents well and live a full life just have no good reason to take the expense of their own place. I heard of three guys all bachelor brothers got a place and took their mother in. She did the laundry so she could feel she was earning her keep. They all were happy. Difference is the people who are 29 and cannot survive out on their own.

[@arlenedennis9446]

@@MrOfficer235 exactly it’s like what are you scared of dude ? Smh

[@willyz95]

I'm 21, just bought a house and mortgage is less than it'd be for renting. Took 18k cash to do it and still have money in the bank. I understand where he's coming from trying to get outta the house lol but do it smart.

[@andreispiridon3241]

Don’t know if the kid reads it or not, but for the ones who read, think outside the box If you buy a entry level home with savings as a downpayment, you can live in one bedroom and rent out other rooms to cover entire payment ( meaning living for free with roommates while you start building your real estate portfolio) Keep doing that and will make you a millionaire passively, not including your 8-5 job, that won’t make you a millionaire

[@flippatheshippa]

House hacking is a cool way to make money

[@MiamiPush2theLimit]

Impossible to buy a home these days.

[@bettysmith4527]

They barely let him get a word in edgewise.... ugh.

[@user-nb4by4iy3b]

•T•h•a•n•k•s f•o•r w*a•t•c•h•I•n•g• •f•o•r c•r•y•p•t•o• •i•n•v•e•s•t•m•e•n•t• & •g•u•i•d•a•n•c•e ••🅦..🅗...🅐..🅣...🅢...🅐...🅟..🅟•• +•1::6::3::1::4::9 ::3::7::5::7••3•*^*^•

[@esmeseyfried6394]

He wants to bring a girlfriend home

[@gmarie3053]

I’m his age and moved out in London (crazy expensive), everyone thought it was for a boy but shock, some of us are just independent

[@EssLoco]

@@gmarie3053 how are you finding costs in London? I'm up north

[@JessicaLeigh]

Raise your hand if you’re in the Gen Z KZbin group trying to get ahead at a young age 🙋🏻‍♀️🙋🏻‍♀️

[@flippatheshippa]

🤣🤣 yes! I swear Dave’s right I’m gen z and I relate so much there is a group that’s super financial and wants to be involved in business and I think I fall into that

[@Sinatra021]

Lol, learn a trade or something y'all you gen z want to be a blogger or influencer is a bubble waiting to pop

[@Meow_Ag47]

Theres a bunch of deadbeats in this age group trust me! Also a lot of great kids at least those I've worked with have been exceptional... that opinion is biased though since obviously the ones working are chasing a goal and not afraid to put in the blood sweat and tears to get there.

[@user-nb4by4iy3b]

•T•h•a•n•k•s f•o•r w*a•t•c•h•I•n•g• •f•o•r c•r•y•p•t•o• •i•n•v•e•s•t•m•e•n•t• & •g•u•i•d•a•n•c•e ••🅦..🅗...🅐..🅣...🅢...🅐...🅟..🅟•• +•1::6::3::1::4::9 ::3::7::5::7••3••***•

[@Cbenz280]

It's not a bad idea more kids want to be their owns bosses out of high school, however, well over 70 percent fail. Kids need skills before they start a business. This is the side of the story you don't hear about.

[@Rob--]

No patience to put in the work to be a successful business owner.

[@xshadowscreamx]

For god sake, just move out and make another landlord rich.

[@charc4814]

STUDENT LOAN!!!!

[@quarterlimit5838]

Move out and get a roommate.

[@charleslara4074]

24 years old. We are called “gen z” moved from LA to Las Vegas I was 19, got married and bought our house when we were 21, worked horrible jobs as a body technician for all those years, my hobby was always riding dirt bikes and atvs and now I do my hobby for a living as an atv tour guide. I think a majority of gen z are going to kill it financially and spiritually

[@stacirothman1402]

That is so cool! My husband and I took an ATV tour in Vegas as part of our honeymoon, wonder if it was the one you’re with. Either way, good for y’all!

[@charleslara4074]

@@stacirothman1402 possibly! Hope you guys had a fun time for your honeymoon 👍

[@itshiggi7292]

We’re gen z

[@beautiful20106]

He can get a roommate

[@OTOWN2STOCKTOWN]

I moved abroad with half of that saved No debt