I'm Losing Motivation To Get Out Of Debt!

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[@Rashaadthegr8]

Once you become serious about getting out of debt it will not feel like u making enough or that its going fast enough.

[@richardm5540]

Congestive heart failure is very Serious . Your health comes before any Ramsey baby steps!

[@heartSLB]

Actually this is quite common. Parents who put all weight on their children to solve their problems like its the children's obligation. Little do they know they are like a dead weight pulling us down the river and we can't scape without feeling bad and thus our situation becomes dire and we get no where.

[@KB-sg7tv]

Praying for this guy. Congestive heart failure has to be tough to deal with. Hoping and praying the best for Craig! Keep pushing forward!

[@OTOWN2STOCKTOWN]

Myocarditis?

[@OTOWN2STOCKTOWN]

Possibly

[@fauxbro1983]

Discipline is more important that motivation. Keep at your goal.

[@charliegolding9439]

This is a good point

[@jrwntctv8091]

Discipline requires motivation.

[@sydlaw2941]

I agree. I don't remember who said it but they said : Motivation is a feeling, it's flighty and not dependable. Discipline is doing what you need to do regardless of how you feel. You're sad? Do it any way. You're scared? Do it anyway. The work to do it or not is the same amount of work.

[@jrwntctv8091]

@@sydlaw2941 Motivation is having a reason to do something. You need this to have discipline. Without motivation, discipline cannot exist.

[@sydlaw2941]

@@jrwntctv8091 Not necessarily

[@jennyf308]

Love the compassion in Dave's response today. I wish Craig lots of luck!

[@stephaniepaints]

Wow, congestive heart failure. That is tough. My dad who is actually pretty athletic had it as well years ago, and that's no simple condition right there. He no longer has it now, but he did have to stop working (only temporarily) to take care of himself, as well as having operations for Afib. It all came to a head at a stressful time when he was working a FT job far from the house, plus another PT job at night after work that was really physical, and he was pushing himself too hard to try and pay off debt. When his body finally broke down, he swelled up badly and my mom drove him to the hospital, and that month he couldn't walk even a few houses down the street without getting winded, which was hard for him as someone who is very active. But the walking did help, he walked a little bit each day, then a little further and further, for months while he recovered from that and Afib operations, combined with a very clean, healthy diet and other instructions from his doctor. He's now in great physical shape, and his finances are in great shape. I'm very proud of him. Having seen all that firsthand, I feel for this guy and his situation and I hope he can get some relief soon

[@evelynherrera-gonzalez1474]

Prayers that your father continues to be full of health!! And prayers to this caller!!

[@exceedinglyaverage1179]

This dude is me... keep grinding sir!

[@TheresaFeil]

You’ve got this Craig. Keep at it. Cheering for you.

[@JustAName-it5qp]

Craig, get back into it, I'm out of debt and my income has room to breath and I'm actually saving to go to Florida for vacation.

[@jacobo9611]

Yup it’s nice to actually save and not see $800 mortgage rent be gone

[@Overlord277]

Good luck man. You can do this.

[@blackspiderman1887]

He need to continue what hes doing. He's doing well. When you have debt your options are limited. He is blessed to be able to live with his grandmother. Juat continue the pace hes at. He will be debt free in 1 year and a half. Then he can build a nice cushion and then explore his options. If he quit now he will throw away his hard work over the last year. The hardest part of a race is always the last mile.

[@noelrutherford6321]

Actually smart people do read free books and that's why we have public libraries. 😊

[@angelachanelhuang1651]

writing down what your spending your money on

[@jamesf8783]

Getting debt free is pretty boring I'm about half there and it feels eh currently. At first paying off the small debts are quick and very satisfying but now the bigger amounts take longer.

[@roydaniels2549]

Count your blessings, everyone.

[@edwardsmith3576]

🙏 prayers for this caller.

[@angelachanelhuang1651]

budget strategies like using budget software......you don't need software

[@MichaelHasebroock]

I think this dude's life/future just changed in the few minutes he talked to the Kamel and Dave.

[@lights80088]

Great job Craig on paying off your debt. Keep up the good work. I'm sorry for you health issue. Take care.

[@PianoMatronNeeNee]

I was born in the 1960s the amount of debt people have today far exceeds previous dept. My ONLY hope when I bought my first house was to pay it off ($52k). That was hope.

[@kstar1956]

Sounds like besides this money issue this guy needs to get control of his HEALTH first, Health is wealth! There’s some serious lifestyle changes he would need to do to get a grip, as bad as it sounds, his condition is not a death sentence. Then he needs to up his income, find a mgmt job making more money somewhere else. Ditch his dad, dad needs to grow up! Good luck to him! Duuuuuvalllll

[@stewbugz5213]

I’m praying for you Craig. I have a toxic family. You do not have to end your relationship with them , but you need boundaries! You can do anything you put your mind to! God’s got you! Don’t quit!

[@ykciR]

Motivation has nothing to do with your goals. It’s about having discipline. When it gets hard you have to keep going even tho you feel like you can’t.

[@jrwntctv8091]

Discipline requires motivation!

[@BlueDauntless]

Discipline takes over when motivation wanes.

[@user-lj9ms7fy1w]

Never be anxious about the next day will have its own anxieties. Each day enough of it own troubles. Matthew 6:34

[@sirubisan698]

As a Christian this is easier said than done

[@cutenobi]

This is a good reminder. Thanks.

[@JoeyNYSDnomad]

Excuse after excuse, when you have a toxic family you need to move away and get some peace. This will help the heart issue and stress. Cleanse yourself of the family drama.

[@mikeshaw4610]

Totally agree regarding the parents. He needs to not allow them or others to i pact his finances. Learn to say No.

[@caleb764]

“The problem with free books is no one reads them” …here’s some free books!

[@Cummata]

Bro you’re in Florida, go to the Mayo Clinic for your heart, your literally down the street ❤️

[@craiggers1008]

Oh I do trust me

[@Cummata]

@@craiggers1008 how’s it going with them? When I found them with my rare condition it was a breath of fresh air!

[@roshunepp]

Financial Peace needs a membership model to go along with it. It's a win win win scenario.

[@DrLusEnglish]

I am motivated by my kid’s education goals

[@adamseidel9780]

Whoa, how do you get congestive heart failure at 26? Legitimately asking, never heard of anything like that. This guy doesn’t need FPU, this guy needs to figure out what his long term life vision is in the context of his health limitations and whatever that means for his lifespan. Sacrificing the present for the future doesn’t make any sense if your health means there isn’t any future. That’s the important conversation for him, what’s his life and future health look like? He’s paid off so much debt on so little money that his capability is no problem.

[@jrwntctv8091]

He needs to get as much stress out of his life as possible.

[@lc6636]

Weight has a lot to do with it.

[@random-nz7dy]

It could be a bad combination of genetic predisposition and significant obesity. Or it could be that he has an underlying inheritable cardiomyopathy (hypertrophic for example). Either way that's a huge thing to carry at such a young age and that's certainly been a mental burden for him

[@jrwntctv8091]

@YT Flava No. That causes you to live to 126.

[@howardbloom6974]

CHF implies diabetes. His depression may be working hand in glove with possible health issues. CHF says to me that he needs to take better care of himself.

[@mph5896]

Conjestive HEART failure. Bad genes more than likely if he developed it at 26.

[@craiggers1008]

I was healthy when I was diagnosed

[@melaniedeatherage637]

There are so many people in this situation right now. It's crazy!

[@LukeofAllTrades.]

This guy's probably swiping the expired rice & beans from the grocery store he works at, right before it goes in the garbage. Paying off $30k in debt in a year while only being paid that much as your base pay? This guy has been hustling!

[@russlea6383]

1 more year and you are debt free ! Focus on the countdown !

[@tylerparker1333]

At least all those beans are good for Craig’s heart. Keep it up soldier!

[@melaniedeatherage637]

This is me right now, I feel this soooo bad!

[@mofantasy9219]

Feel this. It sucks

[@Ryan_DeWitt]

You can't make someone motivated. You either are or aren't.

[@bobpruss263]

You are 90% correct but there are things you can do to help, motivate and push people. Think about how Dave replied to him. They talked about why he first got started. They talked about success he already achieved. They are small things but they can help. If someone is already moving in the right direction you can push them to do more etc.

[@DS-mo7vu]

I mean... toss some chicken and broccoli into the rice and beans you're not gonna break the bank lol.

[@genxx2724]

Make a chart of a thermometer like non-profits use for fundraising goals. Mark off how much you’ve paid, and use colored markers to keep making it as you progress. Budget and diet are things people CAN control when things around them are disorderly. Some people obsess and become very fit or miserly. Craig needs dopamine for motivation. He may not be able to get it through exercise. The chart, and marking it, will provide little bursts. Ramsey group, even if on-line, making new friends, should help.

[@doublet8142]

Tension builds the muscle not rest...😏

[@mrxboxone]

Bad advice florida is a low paying state and the guy that called in knows it that's why he doesn't leave walgreens because retail managers basically all pay the same

[@donaldlyons17]

Yeah and it is really hard when people who don't make much don't work 24/7!!! The reality is if one does not get better paying jobs over time they will likely end up broke!!!

[@dagg2u]

Calls for answers and gets ask “why do you think that is” I wouldn’t have called if I knew

[@mmp495]

Never be a burden to your children👎🏼

[@joshuatree28]

Dave didn't seem happy that George gave away FPU

[@kara2162]

This guy should start walking 10k steps a day. It would change his life, literally. 🚶‍♀️

[@stevenporter863]

That will fix everything. 🤦 His issue is not due to lack of walking, life and hereditary just happen sometimes. It is not his fault.

[@craiggers1008]

I was healthy when I got diagnosed out of nowhere

[@jeromehenry4484]

As far as exercise is concerned, caller should listen to his Cardiologist, not some commenter on the Internet.

[@lc6636]

@@stevenporter863 Walking and standing at work is not exercise.

[@angelachanelhuang1651]

you label categories to write down what your spending your income on the most...it is visual learning

[@craigb4449]

We need a younger Dave on here, the other personalities are too nice lol. I’ll sign up

[@jimroscovius]

My Dad has congestive heart failure. He's 94 years old, so it's only a matter of time. But my parents have their own place and live on their own, have a nice retirement, and have no debt. Debt can kill a nice life.

[@stevencole7331]

You can control your health even with a serious health issue . Super healthy diet . May not be able to eat grandma's cooking . Maybe do some limited exercise . This will help with depression which this guy has . He will have better energy and motivation but it takes discipline . No different from controlling your money habits

[@robr268]

Bro doordash a few times a week $300. You not hustling enough!

[@jimmymcgill6778]

Is George listening? He does not need FPU or any help with debt.

[@djpuplex]

Okay sucks for him. Alot of people have worse and don't find excuses just manage there conditions. Working retail with a bad ticker bad idea.

[@craiggers1008]

And for the chf I have gave up a lot, foods I love, activities, a job I had, my relationship because of the stress, I just work and go home and pretty much it.

[@jeromehenry4484]

@@craiggers1008 Hi Craig, some commenters on here are kinda dense and cannot comprehend what you're going through. But you will find helpful advice from others that have dealt with situations similar to yours. You have already done an excellent job with the $35K paydown so far, so congratulate yourself on that achievement. You might want to consider taking a pause from gazelle intensity, keep making the minimum payments that are required to keep current. Take whatever amount is left over and build up your Baby Step #3 3 - 6 months of living expenses in an emergency fund. This will give you that psychological cushion you need right now. After you have amount you are comfortable with, then go back to accelerating the paydown of remaining debts. Of course, during this time study the books they are giving to you, especially Ken Coleman's book on career development. You don't have to do everything all at once all at the same time. Take time to listen to soothing music, or take walks in nature, to clear your mind of negative thoughts and revive your spirits.

[@donaldlyons17]

What other skills or connections does he have?

[@donaldlyons17]

What, you can always say some have it better and others have it worst. Telling hie to "just manage his condition" and that retail is a "bad ticker" helps him how? You don't think he called in worried about his condition and his ability to work as a result of it? I personally think his payrate is too low for all the stuff he is trying to do.

[@RixxGamez]

Can you pay a debt online ?

[@fullbattlerattle2493]

Duvallllll!

[@chantre17ms]

Wish him the best of luck, but don't forget to enjoy yourself if just a little. Eat a steak, skip the beans and rice one day. The bills aren't going anywhere, but tomorrow isn't guaranteed.

[@Alec-Al]

He could easily live out his life in a happy and normal way to age 80 or longer, if he gets serious with his diet by avoiding red meats, and other animal products and fats, and fried foods and no chicken . He should lean more to a vegan diet or a vegetarian diet with no dairy or maybe just have some yogurt for dairy once per week and some fish every other week. Also try to get in regular exercise weekly and don’t stress out over life situations. Over half of all Americans have heart disease and don’t even know it because of poor diet and high cholesterol that they never go into their doctor office to get checked out until it’s too late.

[@suen5006]

Are you a doctor? You really have no idea about how serious his health is so handing out snappy little solutions is disrespectful.

[@Alec-Al]

@@suen5006 Yes

[@Alec-Al]

@@suen5006 what profanity? I never use profanity

[@lc6636]

@@suen5006 Shut up! We all have family members with illnesses. Yes we know.

[@suen5006]

@@Alec-Al I never said profanity, that's another person. So yes you're a doctor? And you know how to cure congestive heart failure? I doubt it.

[@YasinNabi]

Working for others is the biggest mistake if your goal is to become a millionaire….. having the courage and hustling is the right way to become a millionaire….

[@jeromehenry4484]

Seriously, did you even listen to the video all the way through?

[@donaldlyons17]

@@jeromehenry4484 Some of these people are in the own world!!!!

[@jjbdbd8279]

😂😂😂😂🤦🏾‍♂️

[@cutehumor]

$31k year income is poverty. He will always be paycheck to paycheck until he grows his income.

[@d_all_in]

It factually is not poverty. $13,590 is poverty for a single person

[@cutehumor]

@@d_all_in good luck living on 31k a year. How about poor instead

[@Mkay999]

You clearly haven’t been to Jacksonville. I used to live there I made 35K and you can live in a nice place with roommates for $600/month. It’s not great but it’s livable there

[@mleezy930]

HIPAA Dave, HIPAA…

[@flea4061]

If I was you, I'd continue to pay off that debt, work all nights, and go to college during the day before its too late. Because I can almost guarantee there's no university education here. Which is why you are working at Walgreens for 31k a year.

[@annasimons389]

cohosts are lame

[@marquisgt]

Debt is absolutely an ASSET!!! Credit scores are your ticket to success!!!

[@BlueDauntless]

Only if you care about credit?

[@Treerootz1]

Loooool

[@richardargst157]

Dave why do you talk like a truck driver? You might be a smart guy, but the truck driver twang is a real turn off

[@stevegold2784]

Some truck drivers make big money. I’d rather talk like a truck driver than have a masters and love out on the sidewalk👍👍👍👍👍👍

[@bleepbloop9123]

Hush now 😊 you know, it’s never a good idea to criticize the people who bring you your food! ❤