I Only Make $20,000 A Year In California And Live In My Car!

💵 Create Your Free Budget! Sign up for EveryDollar ⮕ ter.li/6h2c45
📱Download the Ramsey Network App ⮕ ter.li/ajeshj
🛒 Visit The Ramsey Store ⮕ ter.li/7vyom2
📞 Have a question for the show? Call 888-825-5225 weekdays from 2-5 pm ET or send us a message ter.li/n88ly5
Explore More Shows from Ramsey Network:
🎙️ The Ramsey Show ⮕ ter.li/ng9950
🍸 Smart Money Happy Hour ⮕ ter.li/9gcp3d
🧠 The Dr. John Delony Show ⮕ ter.li/2u3mc0
💰 George Kamel ⮕ ter.li/1elws8
💡 The Rachel Cruze Show ⮕ ter.li/n2u6jc
💼 The Ken Coleman Show - Highlights ⮕ ter.li/1rbjr2
📈 EntreLeadership ⮕ ter.li/ktxv2k
Ramsey Solutions Privacy Policy
www.ramseysolu...

[@cripplermaximus]

She sounds legit depressed. She needs much more help than just the finances.

[@andytaylor1588]

Yep. Dave is on the ball with that. She'll get connected to those who can help.

[@darlenepaul2934]

That's what Dave is gonna do.Dave is a loving giving man.He has a heart if gold under that rough exterior.

[@Ryan_DeWitt]

I don't understand how you can be living out of your car for 8 months. A full time minimum wage job which almost anyone can get easy, find a few roommates on craigslist and share a room. Might be poor conditions, but better than living out of your car or on the street.

[@starion88esir]

@@Ryan_DeWitt I've been living out of my car for over a year and a half npw. I've had far too many bad living situations and even shared rent is more than I can afford and still be able to pay my bills, much less ever get ahead. It's what I needed to do, so it's what I do.

[@dsfgasdgqweq3456t534]

@@Ryan_DeWitt are you a young person?

[@NinaRossBusiness]

Dave did more for this poor person than most would have. He did not ridicule, talk down or make her feel bad for calling his show for help. It did not matter that she only made $20K and slept in her car. She was treated with dignity and respect. THEN he gave her info to call a church that works with his Financial peace program. Dave is a class act.

[@susansauls8902]

❤

[@danielcho3270]

Seriously? You are judging how someone chooses to provide help? Have you ever provided substantial financial support or housed a complete stranger before? I doubt it (I've never personally met anyone who has), but even if you did, you think its reasonable to judge what someone decides to do with their own stuff? My goodness man. Coming from a fellow hypocrite, lets strive to focus less on judging others and turn our attention to judging and fixing our own shortcomings first.

[@SATYAMSINGH-ly8kb]

@keecefly Putting her in mansion ain't gonna help Not her not him She needs to make it ON HER OWN

[@annalesher3753]

She lives in Southern California; there’s no way she can pay rent AND expenses with $1,500 a month. Home girl needs to move.

[@Neilram2001]

Anna Lesher home girl huh? She doesn’t have a home.

[@annalesher3753]

I felt rude calling her homeless girl, so the pun remains lol.

[@eurekahope5310]

I think she is priced out of anything more than a room. The family situation is suspect. Dad probably didn't like boyfriend and she moved in with him. He may not want to invite her home until she shows initiative and has a better record of wise choices. She may want to try being very penitant and presenting her parents with a plan (6 months to financial independence, etc.).

[@Jemgirly]

Then she needs to get more work. That simple.

[@nross33]

My property taxes are more than $1,500 a month, it’s sad seeing so many like her here in CA. Yet people keep voting in our same representatives... it’s sad

[@ayoootypeshiii]

Nothing against her but this was one of the hardest calls to listen to

[@hugojuicevalladares8713]

And slowest

[@brianevans6328]

Listening to her was like listening to the adults on Peanuts. Fortunately Dave translated most of it.

[@paulo7200]

@@tonyslaughter8954 I don't know who she would marry. Jarred Kushner isn't comin' a callin' for her anytime soon. The available men in her culture in that part of SoCal aren't any prize. Her mistake was to run away when the boyfriend slept with another woman. Reevaluate the relationship, yes but don't move into your car.

[@susansauls8902]

@Paul O She never should have lived with the boyfriend in the first place. No commitment there, so no surprise it could end the way it did. He could have kicked her out anytime. A person should not be that dependent on another person, especially a female being dependent on a male with no commitment. It makes the female weak, and being a weak female is a vulnerable position to be in. So no surprise she ended up this way. There was no long term solution in moving in with a guy and making herself dependent on him. Weak.

[@Rykeron]

Yeah it was awful

[@kaywan87]

BEST THING FOR HER IS TO MOVE OUT OF CALIFORNIA

[@andytaylor1588]

Yup. She should move to America.

[@kaywan87]

@@andytaylor1588 Exactly!

[@WJ4x4OR]

No is not. All she has to do is go make more money. And stop making lazy decisions

[@mon8087]

I live in CA and agree with this statement.

[@pawsnotclaws2772]

EAGLES SHOTTAS yess you can live decently in that income in the Midwest

[@yayyareaa2997]

Sadly, there are thousands of people in her same situation. Welcome to California.

[@edb484]

Yayy Areaa Everyone from Cali is moving here to Dallas and in TX. I came blame them but it’s getting crowded here

[@yayyareaa2997]

ed b i hear ya Yeah there will be a big migration central from the coasts in the next ten years

[@nicolcacola]

@@edb484 Theyll end up voting Texas into being just like CA.

[@if6086]

@@edb484 This false news. There is no problem at all. The migrants from Central America are most welcome and needed. If the white Americans become homeless is problem of the white Americans that don't want to work... (I am been ironic if you did not notice).

[@CashandCareerConfessions]

Welcome to NY, welcome to Florida, welcome to...

[@ransom182]

Dave, do you know how expensive the LA area is? $1,500 ain’t going to cut it.

[@heididiego3719]

I live in Santa Clarita, CA. I pay $1,950 for a one bedroom it's just insane. Homeboy here does not understand rents are incredibly high cost of living here is insane. Dave was to harsh on her

[@RustyAndroid]

She needs to move to the middle of the desert or somewhere. She could probably get a single room for $300 to $400 a month. Or maybe, she could go to a shelter (assuming she's not on drugs). Homeless shelters turn away men, but they don't turn away women.

[@janebrown3587]

​@@heididiego3719 People need to live within their means. Roommate situations, boarding houses... that may not be what everyone wants, but that's what's practical.

[@SKBottom]

@@heididiego3719 unless it's Middle America or something specific that Boomers understand, there is a lot Dave doesn't get. That said, his baby steps are really wise advice.

[@nickkellie]

I live in a bedroom in a house in LA for 700 a month. She can easily make it work

[@blackattack1840]

No idea why people would rather be homeless in California than moving anywhere else where cost of living isn't in the 6 digit range

[@janebrown3587]

It's the climate; same homeless problem in Hawaii and Florida. If I had to be homeless, I'd prefer CA to FL (hot, humid, muggy and buggy in addition to the crazy)

[@jmannii]

@@janebrown3587 If I had to be homeless, I'd ask why. She doesn't HAVE TO be homeless. She can drive or take a bus to Tennessee, North Carolina, or many other states where the cost of living is cheaper. She can work a job that allows her to pay for her four walls. (Disclaimer: I DID live out of my car for a while but I had a better plan and cost of living wasn't my main problem. I didn't need to move to a warmer climate. Her case is pretty solid, though, that her location is the problem).

[@janebrown3587]

@@jmannii I agree she doesn't have to be homeless. It does take changing your mindset. $1500 allows you to live in southern California. It's not fancy, and it's tough as you make it, but people do it. It's a matter of choices and so many people choose not to live within their means or they think they're entitled to more than they work for. $1500 means having to rent a room or even sharing a room and budgeting properly. No extras, no frills and it can certainly be done because it's being done by people every day. It doesn't have to be forever. You know about the "four walls" so you know about Ramsey and what it entails. No eating out, find a second part-time job, avail yourself of churches, food banks and social services when eligible. Nobody NEEDS to have an apartment to themselves - we prefer it, but many people enjoy living in roommate situations their entire lives. $1500 a month living in a car leaves plenty of room to be socking away funds. People do it every day. I have been saying this for decades: we need to bring back the good old Boarding House. I always thought (still do) that they provided a really important homelife and community for the tenants/renters/members. You have someone who oversees the housekeeping and cooks meals at specified times. You can choose to be as solitary as you wish or participate in the 'family' atmosphere. It provides security and companionship. You have your own private room or share a room, but meals are as a household.

[@talyahr3302]

@KA NC and TN have plenty of good high paying jobs and the cost of living is not crazy. (Im a happy NC resident). We're not a poor state just because we're southern lol. We're not Kentucky!

[@breannegeorge9924]

@@janebrown3587 Other states are much cheaper and nicer in my opinion - North Carolina, TN, Kentucky, the list goes on and on. I have a beautiful townhome for $1100 a month in Ohio.

[@FUNNYBUNNI1]

This hits home because I live I the same city as her! The housing is INsANE! Rents to live in a room inside someone’s house without your own bathroom starts at $900 a month.she sounds Hispanic and Hispanic Family dinámica is different than White Americans...I have uncles like her dad. If you leave your home without Marriage, it’s hard for family to take you back in cause they are so mad. I know that’s what my dad would’ve done so “I could learn my lesson”. She should do what Dave says, save up a little and move out of California as rents are ridiculous here

[@stephyechavarria6659]

Yes! I agree! I think it sucks that so many people seem to think that she's more reckless than she's led on without understanding the cultural values at play. My mom was kicked out for having a boyfriend at 19 years old. I wish this girl the best and hope she finds shelter and peace.

[@normanladdleschnitzel1928]

You guys should just move to a place where cost of living is reasonable. seems like a super foreign concept for californians to #1 know what their means are and #2 live within those means.

[@JS-tr7oo]

rent across the united states is outrageous. The going rate of rent for a 1 bedroom studio is 900.00 a month.

[@vestagirl8484]

Just move to. Mexico

[@FUNNYBUNNI1]

@@vestagirl8484 why should I do that ???!!! I’ve never been to Mexico and dont want to

[@notafan6]

I want an update on her in 6 months. I hope her life changes.

[@HamiltonRb]

Me too That is a decent comment, not like all the bashers and speculators in the comment section who thinks or wishes they know the real reason for her troubles, like gossipy school kids. Here we are at Christmas & some people just can't be nice to others, its just not in them.

[@notafan6]

@@HamiltonRb she sounds so hopeless.

[@notafan6]

@PoopCoin Patrick real "cup half empty" kind of guy huh.

[@paulo7200]

@@notafan6 Imagine the sleep deprivation from living in a car.

[@notafan6]

@@paulo7200 right? I wouldn't be able to sleep well. I would be so concerned for my safety.

[@jamespierce8342]

I’m 26 black and the title was my life only a few short weeks ago. I moved out and I’ve been happy ever since. GET OUT OF CALI!!!!

[@markbrown5117]

What do you mean by "the title" was your life?

[@jamespierce8342]

Mark Brown “I Only Make 20,000 A Year In California And Live In My Car”

[@markbrown5117]

@@jamespierce8342 Ok thanks for the clarification Sir. You title refers to your car.

[@kellyegeline9823]

So glad you got out! Congratulations!

[@NotQuiteEpic]

Dave, you can't get approved for ANY place to live on $1,500 because you gotta make at least double the rent; usually triple.

[@blank3115]

She could rent a room or apply for low income housing apartment

[@anthonykence9954]

Leaving California might be the answer for her, I feel for her California was the place to live years ago it's not anymore it's a mess. Everything is overpriced in California.

[@oliviacrouch8796]

Anthony Kence yep i left cali 3 years ago & moved to nc and my quality of life has skyrocketed 🙌🏼

[@anthonykence9954]

@@oliviacrouch8796 yes I moved to Arizona and I could not be happier. Good luck to you

[@noncustody]

No not everything is over priced out here, but it depends on where you live. Big metropolitan areas are expensive. Modesto is affordable, Tulare is affordable, Madera is affordable etc...

[@MichaelP-ke1tm]

@@anthonykence9954 Phoenix is getting overpopulated. I give it 10 years before all homes here are 500k+ and rent is $2000 lol

[@DanielGarcia-zz9eg]

If you 21 or over. Apply for trucking girl. 55k a year starting Free housing because you living in the rig. Apply at swift or Werner. They will help get you a CDL. Do it. Then you can stop driving after a year over the road and get a local job

[@donaldlyons17]

What do they do if you already have a CDL? Do they do drug test? Your quote: (If you 21 or over. Apply for trucking girl. 55k a year starting Free housing because you living in the rig. Apply at swift or Werner. They will help get you a CDL. Do it. Then you can stop driving after a year over the road and get a local job)

[@DYLAN102001]

Tried this. I was rejected ecause my vision was 20/50. In the state of texas you cannot get a class A license if you have a unaided vision of less than 20/40. Hopefully her vision gets better.

[@skycaptain95]

@@DYLAN102001 you shouldn't even drive with 20/50 man

[@MTobin1000]

thanks Dave for being kind to her.

[@spacediof]

She's leaving a lot out...

[@roncur]

facts

[@CashandCareerConfessions]

@9INE PLANETS if she was on drugs, she wouldn't have the wearwithall to call Dave Ramsey

[@KennyakaTI]

@@CashandCareerConfessions that's not true

[@qcspt]

I agree. This doesn't feel like an issue that was a result of which state she lives in....

[@DanceswithDoxies]

@9INE PLANETS are you kidding? Noy in her area. Not even enough for a room in a house.

[@sheri3108]

"We'll love you well" that statement means a lot.

[@PInk77W1]

I lived in my car in LA for 8yrs. It’s rough out there. I live in TX now and gonna buy a Home cash soon. Basically thanks to Dave. I paid my cc bill every month For 8yrs in my car. LoL.

[@esperanzareyes5975]

You lived in your car for 8 years to buy a house.. 😳

[@PInk77W1]

Esperanza Reyes No. I lived in my car for 8yrs to pay child support

[@PInk77W1]

Sir We Are About to Die married is priceless Money comes and goes. No comparison. Just my opinion. LoL

[@PInk77W1]

Thelondonbadger id rather stick s screwdriver. In my eye then vote for Nancy or Pocahontas

[@mixrable1212]

@@PInk77W1 Savage! love it brother!

[@flippintobyland7257]

Baby step 1 : MOVE OUT OF CALIFORNIA

[@donnyd9044]

What’s baby step 2?

[@flippintobyland7257]

Donny D Dave recently adjusted the baby steps of you happen to live in California there are 8 baby steps , everyone else still only 7 .

[@Joseph-en7gx]

@@donnyd9044 don't vote Democrat

[@donnyd9044]

Joseph Gall well republicans ain’t that great neither, ill say they are worse.

[@SignedOff402]

Country has been flooded with tens of millions of more people. I noted driving back across the country 30 years later, compared to 1984, the volume of people on the road has quadrupled. Many of the new citizens have been fast tracked into apartments and jobs thanks to govt subsidies and programs similar affirmative action ($2600 tax break per year per employee to employers who hire immigrants/blacks/hispanics. There is a waiting list for apartments in this girl’s income bracket. Plus she must pay car insurance and have a cellphone bill.

[@hectorcamacho4535]

First, move out of CA

[@memberofthelambily1340]

California Kid are there other places in California that are that cheap

[@Lola8165]

Yeah and then her $1500 would be $500 🥱

[@Hungry_for_exploration]

@@Lola8165 and then her housing would be just as cheap. She can work extra hours.

[@wildmikefilms]

CA blows

[@malvolio01]

No kidding. I'm from San Francisco and had to get out. Now, I have a better quality of life, make way more, happier, etc..

[@yamamancha]

Living in your car has become an accepted reality in certain parts of Cali. Since she has a car, she'd be better off driving up to San Fran where unemployment is 3% and minimum wage is near $16/hr. Set up 2-3 jobs so you can work 80 hours a week. Keep living in your car or stay in cheap motels for a few more months so you can pay off all your debts and save some cash. Then line up some jobs in a city like Boulder or Denver where unemployment is low, pay is high, and cost of living isn't insane. Get out of Cali and find some sense of normality. It will be alright.

[@yamamancha]

@@ALCAN52 That's an ideal situation that has nothing to do with this lady's reality. She's put herself in a horrible position and now feels and acts like she's in quicksand. If she's been living in her car for 8 months, she's tough. She just needs direction and a little encouragement. She can bust out one 8-hr/day job + another 5-hr/day job 6 days a week for the 3 months that it would take to turn her life around. Heck, I'm a millionaire and I work 12-13 days all the time. I used to sleep on the office floor. Whatever it took. This lady is a few good decisions from having a completely different story.

[@stellavargas4127]

@@ALCAN52 where can I apply???!

[@melanatedforever]

She can do doordash, ubereats, grubhub

[@andytaylor1588]

Let's just wait until Commiefornia makes it illegal to live in your car.

[@444truthteller]

yamamancha thank you! 1500 for rent in cali that wont get you anything.

[@krhervey441]

She needs to connect with resources within community! I pray someone reaches out and give her a helping hand and Miss Monica stay encourage!!!

[@SundaysChild1966]

I hope she finds a safe place to live, maybe a rooming-house type of thing, where she has her own space, but also has people around her for help and company, someone to cook meals, make sure she gets a shower, laundry done, takes care of herself .. like a foster family ..

[@RUdigitized]

Girl: I live in my car. Dave: Sell your car.

[@Loyolil]

😂😂😂😂😂😂

[@rbellamy804]

🤣🤣

[@N7-WAR-HOUND]

Man that’s not funny Ok it’s funny 😆

[@ceedeeznuts2595]

I clicked on this just to find this comment

[@Remo1147]

That’s his advice for everything and buy his book 😂

[@integralx1988]

Dave’s reaction is basically to all of her comments “ok.” He feels like she isn’t telling the whole truth, which is very likely.

[@candy2325]

Igor I agree. He knows there’s more to this story. A lot of plot holes

[@user-eu2me4bp7j]

I agree that she seems like shes made trash decisions and isn't saying everything.

[@kidgreenhorn]

Somethings up.

[@twincherry4958]

She's going through a heartbreak. She's all in her emotions and not in her brain until she called Dave

[@vonnieburt1163]

You nothing about her, but feel entitled to judge her. Disgusting people!

[@MoD3RnHD]

Here's the story: She moved in with her druggy boyfriend against her dads protest. She was then forced to live in her car after trying to crawl back home and she was set straight by dad.

[@CookingLessonsforDad]

I am so glad he is helping her outside of the call.

[@MajesticxGrease]

Whittier is a depressing area in California. I was raised there

[@donnawebster4310]

What? I was raised there. It has changed but depressing?? No!

[@donnawebster4310]

People make a life time of bad decisions. They are committed to chaos..

[@bm373]

I grew up in south Whittier, was great. I live closer to work in so cal now. Love it!

[@SoCalFreelance]

Find a roommate on Craigslist, split all the expenses. That's how I got started living in SoCal.

[@marissaojeda2700]

It's hard to find responsible sane nondriggie roommates

[@irocitZ]

It's never good being in a situation like this, I've been there. I did it on the east coast, it used to get cold. It's a very depressing existence, the only good thing is that I was young, just 18 at the time. Anyone living this way can change, there is a way out eventually. I just worked as much as I could and was able to save $5000 to get an apartment that I shared. Even though it's been a long time and I'm now far removed from that life it's something you never forget, once I got some traction and stability I left that lifestyle in the dust because you never want to go back to that ever again, the thought of it is scary. Nowadays, things are going pretty well. These days, If I tell anyone who didn't know me back then that i used live in my car they look puzzled because it doesn't look that way today...thankfully.

[@tjbalistic]

2:00 This doesn't pass the smell test. She is leaving something out... perhaps her addiction issues?

[@CraZzy3n3rGy]

tjbalistic yea sounds bs.

[@jakefarmer3122]

Yep there is very clearly a lot being left out here. "Yeah that's what it felt like he wanted me to live with him forever" = dad saw me making a bad choice but I chose to not listen to him and move in with my boyfriend, idk why's he mad at me.

[@aSingleSundance]

Or perhaps she’s just been dealt a hard hand in life. It does happen.

[@bres9977]

tjbalistic I was just thinking that: she’s most likely an addict.

[@tjbalistic]

@@aSingleSundance I don't doubt that, but the tale she is telling doesn't make a lot of sense.

[@kashfortheking]

I haven’t been through her specific situation, but I’ve seen the struggle. Part of how I got through it was to read the Bible (particularly the Psalms). The other thing I did was FIGHT BACK. You need God and grit to get through it.

[@GenExDividendInvestor]

My dad lived out of his car when he put himself through college in Cali... He didn't do anything stupid, but he was helped his mother with any money he had as his dad died young and they were extremely poor. He grinded for decades, climbing each rung on the ladder until he became successful. Life's hard, but America is an amazing place of opportunity.

[@seansurfn2]

but cali after the late 90s isnt a place for opportunity anymore

[@barano9729]

I make 115k a year in California and still scraping by. I’m just a flat tire away from living in my car. Can’t wait to get the heck out of California.

[@MrTmenzo]

Living out of your means then. I make less than you in Ca and blessfully thriving.

[@angelaonthego]

Get your Baby Step 1 emergency fund ASAP

[@KennyakaTI]

Yeah you are living above your means or paying way too much in rent

[@GorillaPimp69]

I live in Hollywood, make 70k a year and live perfectly fine lol. I’m 23, just know how to live within my means.

[@barano9729]

@@MrTmenzo Living within my means. The cost of living is out of whack. The weather, beaches and mountains are gorgeous but don't live up to the hype when your hard earning money goes to pay ridiculously high taxes. I'm leaving but I'll be back only on holiday.

[@xochitlpv8849]

A studio apartment in Northern Ca. costs over $1000/month. You can't live here on your own making $1500 a month. She needs to find some roommates in order to get out of her car and she needs a full time job. There are tons of FT jobs out there. They're not glamorous, they might not pay $45/hr but they're there! I work in Human Resources, my department struggles to find good employees for all of our openings.

[@Stormy_Dawn]

There are plenty of places in Cali where you can live on $1500. Problem is nobody like commuting to work or living outside the city. I've done it since 1995 & love it. Living in the desert is how I survived all these years.

[@Stormy_Dawn]

@Natty Fatty Powerlifting if she was living away from LA she'd be able to get a cheaper place, no longer being homeless. There is low income housing in every city. Theres a waiting list but it's there. There are ALWAYS options.

[@edb484]

Christina Neily shes need to move to here to Texas like everyone else whose leaving Cali. At least go one state over to Nevada where’s its much cheaper to live.

[@andytaylor1588]

@@Stormy_Dawn she lives in Whittier, which is a suburb. Or does she actually need to live in the desert, which is pretty cool at any rate?

[@missdesireindependance5194]

Christina Neily how long is your daily commute to work?

[@infiniteluv5589]

Dave, you and your team, such a blessing!

[@KingDanny9]

I feel bad for her. I wish her the best.

[@angelaonthego]

For those of you who don’t know where her $$ is going-Newsflash: cars don’t have kitchens or refrigerators. How much would it cost to eat out for 90 meals a month in California? Then factor in that Gas down there is $3.39 a gallon (down from $3.89 a month ago). She is managing to shower and show up presentable to work-so there’s $60-$100/month for a gym membership. Cell phone. Car insurance. It adds up.

[@angelaonthego]

Agree and Disagree. There are Other things she could be doing. 1st is that she could be making a lot more money. Also, I love Buckee’s :/). Disagree with the other factors. I AM CURRENTLY living out of a car in CA. The money is HERE, in the city. If she can get her income up she can start saving enough money to make a calculated move; whether that be in her area or to a different area. The level of difficulty would increase exponentially if she went somewhere hot/cold. TX is cold this time of year and humid in the summer. Doing that in a car is insufferable. And even then she’d need enough $$ to float her a couple weeks until her 1st paycheck.

[@angelaonthego]

ALCAN52 ps: I prefer the country. But for her circumstances-and my current circumstances-the city is where it’s at.

[@steveantonioni]

Just wait until she discovers Van Dwelling

[@mOnika-pt6vk]

Its pivotal for us women to always try to save for an emergency fund regardless of what kind of a relationship we are in. Financial independence allows us the freedom to be able to 'leave' when a relationship turns toxic. 💜

[@IrishFrank22]

Most homeless people are men. This message applies to men more.

[@nicholasselke5214]

@IrishFrank22 true but it’s far more common for women to be stuck in an abusive relationship due to having no money. And if all women in abusive relationships left at the same time, the number of homeless women would almost be equal to that of homeless men

[@IrishFrank22]

@@nicholasselke5214 I would disagree in saying women suffer more than men in domestic violence. Most men I have seen get attacked by wives never report it because of embarrassment. Where did the old saying come from a boy must never hit a girl but yet we don't say vice versa for girls. I have three generations in my family alone of women beating husbands and children and know many other guys in that situation. I would say it's 50/50 if all domestic abuse crimes were reported. Even in schools there is a epidemic of female teachers having sex with students. Happened quiet a few times in my school but never involving a male teacher with a student. As for women having no money, women cause over 80% of divorces and usually get more than half of the husband money and the man can end up homeless even if he was a good man because the wife gets the house. We hear all the time of women shelters but none for men!

[@RiSkyNick]

@@nicholasselke5214 That's why you don't shack up until you're married.

[@oozlefinchoozlefinch1376]

She could enlist in the military, not glam at all, but 3 hots and a cot. $1544 basic starting pay and by the end of her enlistment she could be pulling in $2800 a month.

[@jayqwilyn1551]

ALCAN52 or about 5k a month if she is married!

[@oozlefinchoozlefinch1376]

@@Thathat-o7w Oddly enough I missed that, but I checked "from the Army's "Standards of Medical Fitness." and carpal tunnel was not listed. It was a long list and I could have missed it.

[@bonnievandergriff8272]

@@Thathat-o7w Does carpal tunnel syndrome always keep someone out of the military? I thought there were different degrees of severity for carpal tunnel.

[@gammayin3245]

Dave's words to this caller are heroic!! I'm so glad he has devoted his life to helping us learn how to manage our finances well. Aren't you?

[@richcreager7877]

$1500 don’t go far in California Dave lol

[@trapsarentgay4195]

Rich Creager it’s not about how much you have. It’s about the mindset ;) take away all of a millionaire’s money, and he’ll get it back

[@sykal]

hes also not taking account anything for o i dunno...taxes and ss?

[@dynamichunter843]

You can share a room for 600 a month in California, anywhere but middle of LA and Bay Area. Even outskirts of LA you can do that

[@brandonk1097]

She doesn’t need an apartment, she needs to rent a room with 5 room mates.

[@kevinclass2010]

@@UmAdxXbRo she's better off moving to Bakersfield or out of state

[@marjoriepreston6620]

Yes, Dave, you do pay your credit card bills when you live in your car. I had a monster IRS debt and realized the only expenses I could cut were rent and utilities. I sold everything and deliberately moved into my car so I could wrestle down that debt. I did it. Nothing against this sad woman or anyone else who's homeless, but I never felt so free as the 13 months I spent in that car. Best of all, my plan worked.

[@quinnterry2834]

Did you live in California?

[@carlosrodriguez3104]

This is easier in California because of the weather. I live in cali and yes I’ve slept in my car before.

[@clarifyingquestions]

Dave is Dad - so kind, best advice. Move out of California - maybe oneway but that is not her first move in her situation. Well done, Dave! Obvious why you are the one with the show and not the troll!

[@autismwalk6855]

I would keep living in my car, and keep paying off my debts. I did that myself for awhile when I was younger. I saved all kinds of doe doing that...all kinds.

[@KevinNordstrom]

I agree. weather wise you got it perfect. Many hacks to save money and get out of debt and increase your income even while temporary in your car, in a state where Weather is perfect year round.

[@dralinrichardson]

Finally a call where it's not a couple from Missouri making 300k a year.

[@igrifftv6633]

Always someone out there who has it worse than you

[@dabd8175]

Frfrfr her life sucks

[@Prince-fn7ff]

I felt this in my core, been there...always count your blessings.

[@SherriLyle80s]

True, but can't discount her hardship either.

[@michael567jober]

That mindset will always keep you poor. Never compared your problems to others. Focus on your problem and fix it. Don’t stress and don’t feel comfort cause others have it worse. Embrace that your situation sucks and cannot go on. Fix it yourself

[@igrifftv6633]

Antonio Jay well I’m glad I’m not poor. You’ve transformed a positive into a negative, this mindset is a humble one you just went left field with it.

[@Uhhlaneuh]

Unless she’s on drugs and isn’t saying anything, there’s no reason why her father shouldn’t take her back, that’s heartbreaking.

[@KAGEFOREEVER]

he probably told her not to move in with him

[@DebateCentrals]

I lived in my car while going to school and found it was a great way to save money. Quality of life wasn’t too bad actually.

[@myasavage8103]

I’m about to live in my car in a few weeks by choice to save money. Leaving North Carolina thinking of going to California

[@DebateCentrals]

@@myasavage8103 there’s a learning curve!! But there are ways to do it right and have a great experience while stacking money or just taking time off work and not blowing your savings

[@mysteryman1877]

1:55 “He wanted you to live with him forever?” EXACTLY WHAT I SAID!

[@MegaTeeruk]

My guess is there is way more to it than that.

[@TedraFor]

I don't think she's telling the whole story!

[@inspirationalnomad]

Exactly, I have family members just like this

[@SweetDreamsMell]

same I kinda got those vibes that her situation doesn't make sense...

[@ab43134]

Its an 8 minute video, what is everyone expecting out of the story? Lol.

[@inspirationalnomad]

@@ab43134 No BS is what we are expecting!

[@ab43134]

@@inspirationalnomad shes a young homeless woman crying ln the phone asking for advice maybe you should be more concerned with showing empathy than knowing her whole story which isnt relevant or any of your business 😉

[@rjs11189]

Living in a car is all about what you make of it. I did it for two years and I had a blast! I was able to save a good chunk of change, and was able to travel all the time.

[@benreilly595]

....ITS THE DECISIONS YOU MAKE IN LIFE!

[@andytaylor1588]

Yep. Some of us make atrocious mistakes that are difficult to come back from. Others, not so much.

[@MegaTeeruk]

Amen. Wherever you are you took the journey to get there.

[@benreilly595]

Married into 25k in debt. Went through pains and sacrifices to pay it off. Now we are set for life, but are called privileged.

[@chicnoir29]

Natty Fatty Powerlifting Thank you!

[@justinpnelson90]

I don’t think Dave realizes how expensive it is to rent a place near LA.. if I were her I’d move!

[@Jen1112111]

shouldve listened to dad. My dad ruled with an ironfist as well but I inherited his foresight. I wasnt going to risk moving out to shack up with some bf. My dad wouldnt have taken me back as well. Better safe than sorry in NYC.

[@axelcorsa2710]

Excellent video Dave. This is great and inspiring for those of us who have made bad financial decisions. Prioritizing and decisions making are excellent skills to cultivate

[@darrelljohnson2499]

Sounds like her dad didn't want her dating this guy as many fathers have foresight. He deduced that this guy was no good for her daughter. She didn't see that until he cheated on her now she's forced to deal with that decision.

[@juliuscaesart]

Darrell Johnson Real talk that’s sad. She needs to move or do something else.

[@Stormy_Dawn]

Yup!

[@Kysen10]

exactly, her reasoning to why he didn't want to take her back was suspect too.

[@818silencer818]

@Natty Fatty Powerlifting Shes sleeping in her car because she keeps on making bad decisions. She left her family, disobeyed her father for another man and now she wants to run back to daddy. She can get her own room somewhere and live there, shes making enough money for a $500 room.

[@andytaylor1588]

Hopefully, this is as close to rock bottom as she'll need in order to stop making big mistakes.

[@youtubehandle-]

I feel so sorry for her, it sounds like her Dad tried to stop the bad decisions but should still help her. We all make bad decisions in our lives. ❤

[@mcmic1212]

God bless you caller 💕 We're holding onto hope for you

[@carieyounginsurance]

This was heartbreaking!! Girl get out...get out now - you can do it! I am sending you love and LIGHT!

[@sadisticpsychopath220]

Why anyone wants to live in California in 2019 is beyond me.

[@frogsama666]

Silicon Valley. Either make it BIG or go broke

[@garyreichert808]

Perfect weather year round ... that’s about it lol

[@brandon18054]

Gary Reichert In the midst of life-threatening wildfires, earthquakes, repeated cycles of droughts, floods and mudslides, I’m sure it’s a real treat.

[@garyreichert808]

brandon18054 I live in Southern CA ... it’s not that bad man lol ... been out here since ‘95 ... originally from PA

[@KevinNordstrom]

Every place has its thing. California has earthquakes and wildfires, the east coast has hurricanes, the Midwest has tornadoes and blizzards. I'm moving to Maui, Hawaii in the near future with a military pension and no debt and a huge cash savings for a place and a job transfer. Hawaii Also has its own issues with cost of living, tsunami, etc.... There's no Utopia anywhere. But 24/7 beautiful weather with palm trees come close.

[@rayhill5767]

Learned helplessness, in psychology, a mental state in which an organism forced to bear aversive stimuli, or stimuli that are painful or otherwise unpleasant, becomes unable or unwilling to avoid subsequent encounters with those stimuli, even if they are “escapable,” presumably because it has learned that it cannot ...

[@Visaliaipa]

I don’t know what lifestyle she has lived or wha kind of background she has, but I’m sure the military is hiring.

[@Visaliaipa]

I must have missed what her diagnosis was. Yes she could be medically disqualified.

[@sidharthchand8072]

Rent a room in someone’s house rebuild your credit then get an apartment when you have been promoted at work .

[@andytaylor1588]

Right on, except for the re-building credit part.

[@sidharthchand8072]

Natty Fatty Powerlifting renting a room in somebody’s house, is easier than getting approved for an apartment. But to answer your question no, with your logic you should get a van and just live in the van.

[@marissamcafee6442]

Go to a community college sweetie! Do medical assisting or dental assisting or any kind of certificate program! Go on roomster or craigslist and find a roommate! Find a local church and make some new friends, if you’re on Medi-cal find a therapist where it’s at no cost to you and build some coping skills!

[@neetrab]

I promote community college every chance I get. Same education at a 4 yr college but *MUCH* cheaper. Then transfer if they want that bachelor's. That's what I did.

[@SammieDavis707]

If I knew a Dave in my early 20s I would be insanely rich now at 32! Your the man Dave!

[@garyodriscoll7988]

She has been living in her car for eight months... why not stay there until her car payment is paid off?? she’s gone this far why not see it out!!

[@sandrawhitfield7102]

Nice to know it is good to take care of yourself first. My parents had taught me to pay for the services you owe first.

[@Kysen10]

She needs to get out of cali, no way she'll be able to find a place that isn't in a ghetto on $20k. As for the family issues its obvious the father saw this coming and told her "if you go with that man you are on your own". Just like the dad foresaw her bf was a deadbeat and dropped her. Her attempts to get back home fell on death ears. When Dave asked her the reason why her dad wouldn't take her back you could hear the guilt in her reply. Apparently she believes he wanted her to stay home forever and to that I call BS. I hope she learns a hard lesson from this.

[@TedraFor]

I love my daughter unconditionally and I told her she could always come back home as long as she is not trying to bring harm to me or my household. I can't live with myself knowing my child was living in an abandoned house or sleeping in a car. As long as I got a roof she has a roof.

[@carojames6776]

@@TedraFor spoken like a TRUE and loving parent, I salute you !!!

[@TedraFor]

@@carojames6776 Thank you!

[@TaShar16]

@@TedraFor great reply! The only 2 things I would require is for my (adult) child to work and respect some fair house rules. Yes there is tough love, but many people make mistakes and when you're in love/infatuated you won't and/or can't see things as clearly. Hopefully in 6 months to a year my child is able to move out.

[@TedraFor]

@@TaShar16 Thank you! She seem young and a bit naive, and I agree with you about working and respecting fair house rules. We don't know the whole story but I hope she and the father can build a healthy relationship.

[@nilgiridreaming]

micro goals and making different decisions. oh boy, I need a mental makeover along these lines! Bless you for taking this girl by the hand, Dave R.

[@MaseratiHolly]

sorry sound like she waiting on dave to say “you can come move in with me”

[@MaseratiHolly]

Natty Fatty Powerlifting does he charge for his course ?

[@sinamen516]

Sad part is this is a growing epidemic in California, there are more and more ppl living cars as tech companies are increasing rents and housing cost across the state

[@Trish.O-q3h]

This is my biggest fear in life. That’s why we have saved all our lives. It can happen to any of us. I know a guy that was a millionaire. Now he is on hard times.

[@lavonnealexander6936]

Dashcam Videos omg 😳 right. It’s sucks

[@garrettstevensen2467]

ALCAN52 I’m curious to know details. How did you manage? Are you referring to living off the grid? How did you physically manage? What types of food did you have access to? How did you prepare it? How did you survive being almost homeless.

[@GrislyAtoms12]

"WE will walk with you and love you well", said Dave Ramsey. And that is why I love this man. Dave, I will walk with you!

[@joshuaa3075]

She doesn't want to get a real job. Her family doesn't want to take care of her by the sound of it, they know her better than we do.

[@cardo1111]

Dave, while often blunt and brutally honest is a good man who gives back.

[@wolfofdubai]

Watching this video, I am thinking about all the people crying tonight in their Ferraris.

[@andytaylor1588]

Money just magnifies all of the good and all of the bad, no?

[@planner812]

dave was great and trying to help she is looking for someone to take care of her so she can spend all their money and then say poor me anybody else want to give me money i think thats why Dad probobly does not want to give her money or take care of her He probobly has been giving her guidance as help she dosnt want help Dave is giving her what she really needs and thats guidence not a hand out hopefully she will listen dont get me wrong i was once young and stupid too only by loosing stuff did i learn im also not done being stupid but now I know that

[@ChrisInvests]

Sounds like a series of bad decisions...🤔

[@invenio1978]

This. It sounds like her situation is predominately due to stupid decisions, not bad luck. Hope she smartens up and turns her life around.

[@murderouskitten2577]

to be fair - that sounds like average woman in CA .

[@princesslamour1985]

Dad probably didn't like the boyfriend but she didn't listen and left. She learned her lesson and wants to go back and dad said "no thanks. Keep the same energy"

[@minervagalvez4748]

Prayers for her 🙏 ❤

[@windsongshf]

As for making 1500 a month getting a place. It's tough. One of the cheaper outskirts of LA is somewhere like Palmdale. I just looked up rooms for rent and I'm seeing between 550 and 800 per month. Here in Orange County rooms are 800 to 1200 and up depending on where. Recently I saw a lower price for the area only to find out it was a shared room! Btw, in San Fransisco, a place recently opened up... some sort of cooperative where you rent a nice bunk, either upper or lower, with shared amenities like showers, internet, kitchens etc. 1600 per month! I kid you not!

[@trainsandlocomotives]

Welcome to “fantastic” California where people are struggling to make money just to get to work. The poor is often taken advantage of by the ones who have money or own property. I’m from California and I don’t like that place! It’s a horrible place to live financially. The government failed many people there

[@metaltera86]

5:43 This video sounds like it one of the few where Dave sort of hinted that he will help out the caller with some money to get started. I could be wrong

[@gabriellekelly3462]

She needs to transfer to a Dominoes in the midwest and actually be able to live off $1500

[@blank3115]

Do you know your income gets cut in half at least when you leave California?

[@justonemori]

@@blank3115 not at 20K, you can make that in the majority of the country.

[@christinave5156]

She needs to move out of CA. I used to live in San Diego and I got priced out. I'm very fortunate because I was able to find an apartment in Tijuana for $300. It was built about 4 years ago so it's still new, has great insulation, and it has it's own parking spot for my car. It's been HARD having to adjust to this area but it beats sleeping in my car! My plan is to live here 2 years, save up my money, and eventually find another part of the U.S. where I can find a good paying job and buy a house. Thank God I found this place because Tijuana rents are also going up since it's so close to San Diego. Any ideas of affordable places to live in the U.S. with good job/career opportunities?

[@christinave5156]

@Natty Fatty Powerlifting Thank you. I'm interested in buying a home in the U.S. I work in San Diego and live in Tijuana so that's how I'm going to pay off my debts and start saving $$$. I have a Bachelor's degree in Public Administration so I can definitely work in the government sector. I am working in Sales right now and I prefer it over a government job. I figured I can work in Sales for another 5 years and then get a government job after that. My goal is to make as much $$$ right now that I still have the energy and drive.

[@WhisxBeerus]

Hard to feel bad for someone that consistently makes one bad decision after another.

[@artemiszero2153]

Monica, be positive. Take things one step at a time. You can do this. Listen to Dave Ramsey. Keep working hard and keep moving forward.

[@inspirationalnomad]

Don't move to Tennessee or Kentucky as they have Higher Levels of Poverty than California. I LIVE IN MY CAR AND LOVE IT!!!

[@brianthomas3451]

Relying on people is what got her in this situation.

[@theGrayArea2]

Whittier...I live 5 mins from here, lot of drugs in this city

[@michaelnangel]

I'm in el monte! Wow so close to home

[@greenearthblueskies8556]

Lots of drugs in America..period

[@peter-jm1pu]

i used to live in hacienda heights

[@ErrorPagenotFound-ig1cy]

Her own father didn’t want her. Most likely she’s on the habit too.

[@ricky99la]

I live in La Habra, Whittier is literally my neighbor.

[@tomiasthexder7673]

Drugs, alcohol, living the high life and now reality hits as the money runs out as the looks disappear and the man with the money moves on.....

[@heathj7794]

Dad hated her boyfriend. She thought she new better.

[@KindaRustySocks24]

I think she has an drug issue

[@michaelweyenberg6238]

@Natty Fatty Powerlifting Not punishing her. Treating her like an adult.

[@chicnoir29]

Natty Fatty Powerlifting Exactly she said her dad is overly controlling.

[@greenearthblueskies8556]

Chic Noir29 means...he has RULES...which she’s not interested in abiding by evidently.

[@lauracorey7017]

unfortunately RENT in Calif specially that part is extremely HIGH! even a studio 1500.0 now what?!

[@smack_dab]

I lived in my car to pay 9k in CC debt. I was in a band and had a music studio to go for for 50$ a month. I look back, about 7 years ago, and boy what a great time! It is all in what you make it. Then I moved into an RV and rented land. Saved 100,000$ and paid 50% of my house. But if worse came to worse I wouldn't mind going back to the mobile life style, even if it was in my car. Again, it is all in what you make it.

[@seamusmckenna9307]

Dave better than I deserve Ramsey 🙆🏻‍♂️

[@Michael-4]

There is always hope, no matter how bad things seem.

[@williamlackey123]

She’s coming from the position of a victim... she needs to change her attitude and go WIN.

[@WGHpanic]

That can only start once you actually start winning which hopefully she will be in due time.

[@Terika-]

I'm willing to bet there is more to the story ...maybe some sort of addiction....but Dave was great in handling this call with sensitivity and emphaty. Dave knew this woman did not need to be beaten down any further. This was one of Dave finest moments. 👌

[@aliciabrowndocken4660]

She needs to join the Military and They'll teach her how to make decisions and be responsible.

[@bonnievandergriff8272]

Alicia Browndocken the military would be an excellent place for her to get herself out of this horrible situation she is in. I don't know if the military still offers sign on bonuses but if so that would be another incentive for her to join. She would become disciplined and responsible.

[@aliciabrowndocken4660]

@@bonnievandergriff8272 And the educational assistance earned really help with schooling after you're Discharged. Veterans Benefits are Awesome.

[@lilydinh6059]

@Omne Obstat not everyone blows up hospitals dumb dumb, that job goes to the terrorists and even with terrorists it doesn't happen once a month. Once a year maybe...

[@arleneaugustahair8393]

Omne Obstat everyone doesn’t go to war when they’re in the military. I was in and I never ever deployed. She doesn’t have any kids so she can see a recruiter, keep her mouth shut about her carpal tunnel and get a foundation. While she’s in, she can use her TA (Tuition Assistance) for free and get a degree. When she gets out, she can use the GI Bill to get an even better degree. She can get herself a house using the VA home loan after her 1st enlistment, pay it off by paying extra on the principal every month and she can rent it out if she has to PCS or rent out a room or two while she lives in it or use it as an AirBNB. She has options! She better use them while she’s single and build a foundation for herself like I did.

[@aliciabrowndocken4660]

Some people in society are missing the main point. Everyone in society starts the conversation with what people are Entitled to and not "What and where do you want to be and How can we get their? What are you Personally Willing to Invest"? When I sat down with my financial advisor, I didn't tell him what I thought the world owed me I shared with him where I wanted to be and we set up a plan to reach my goals. Now I'm one of those rich home owners who hoards money. Yeah, Right, my house is paid for and I have an investment portfolio in mutual funds that provide jobs for millions of people. It's not the haves vs the have nots. It's the doers against the sitters. The Women in Oakland right now trying to seize a house because it's vacant and they want to claim it is a perfect example. The house was just bought by and investment company 2 or 3 days before they moved in illegally and now they won't leave. What is this world coming to. If you want something work for it. Dave Ramsey has some great advice.