I've Been Unemployed For A Year And $77,000 In Debt!

[@brennik05]

I’ve been a USPS mail carrier for 27 years. My best friend’s husband got laid off about 6 months ago. He asked me if we were hiring. I gave him all the info to apply and was surprised when he didn’t. Then I found out that my “best friend” told him not to apply. She told me it was menial work and she would be embarrassed if he was just a mailman. So now he’s just unemployed and I’m wondering why that’s not more embarrassing.

[@lot2196]

My nephew graduated high school this spring. He is already a full-time postman. 18 years old, young, strong, and will live with the parents for a few more years. The kid will be in a great position whe he's 30.

[@tucoramirez9729]

Your friend is a moron,,any position at the post office is a great job

[@pickmeisha]

You need a new BFF. Thats telling of how she truly feels of you.

[@someonesomewhere1385]

100%

[@Gamerz00760]

Sounds like she is a problem... Doesn't want her husband working at certain jobs? Why is she deciding his career? Makes me think she would give you bad advice as well.

[@GAFB1122]

I'm calling bull. She lives in Philadelphia. She can get A job until THE job she really wants comes along.

[@UncleDavesKitchen]

I wonder if she lost her job and ghosted by recruiters for a good reason, not making good decisions it sounds

[@oggiezwork]

It's pure entitlement and laziness and the cheek of calling in and asking what she needs to do. Babe you need to get that job in Target, that would even give you more motivation to look for a job.

[@majorlagg9321]

@@UncleDavesKitchen Most of those jobs on Indeed, etc. are scams. They get your personal information and sell it. Of course, she can look outside her field.

[@Yogastrong908]

Getting A job at this point isn’t going to fix this. Getting a minimum wage job isn’t fixing this problem. In the Philly area if you’re making minimum wage you’re better off being unemployed.

[@lombardo141]

You would think. My sister applied for a Resturant job as a server and she was one of 300 applications. No making an excuse for her, but it’s possible

[@dominiquejones6758]

I’m currently a bartender and waitress and drive for Uber on the side. No work that pays money is beneath me. Money is money!!! Go get it!!!

[@chrisitianbeatz]

Need some women like this where I stay at... Laaaaaawd blessed is the man

[@tshandy1]

Right on and best of luck to you!

[@kayremoob9579]

Dats right, lower those standards.

[@ONLY1KUDWE]

Indeed😊

[@ShrandaM]

Absolutely!!! And that is great way to Network as well.

[@sasukesuite1]

So she could get a virtual version of her job and she still doesn’t want it? She’s her biggest obstacle, not the job market.

[@xsgtxbigboy1655]

How you gonna call a show like this and say how do I get out of debt without working lol

[@justinebailey5333]

Right

[@sirfjohnson]

you would be amazed at the people with degree's are the dumbest one's🤦‍♂

[@JoeMama-y2f]

she was hoping for LeBron James could step up and help out a sister

[@fishercourt]

I just read your comment, my comment was exactly the same point. I mean how is she not understanding that she was laid off from her job as a paralegal assistant and that will hinder her from doing that same job. She is obviously going through some other stressful times that has caused her to give up on trying to find a job. I’m not sure why her choice is to try and only apply to the same type of job that she got fired from.

[@bokunohunter2054]

Insane to not pick up a retail job to at least break even until she can find what she wants instead of going into debt. She didn’t need to call into the show to figure that out

[@Mark-qg2ud]

Just a few weeks ago, Dave Ramsey belittled a caller for starting work at Chic-fil-A while in a transition period, and said she needs to get a “real job”. Not paraphrasing, that’s the wording he used. This show is filled with hypocrites

[@bokunohunter2054]

@@Mark-qg2ud Honestly a lot of this stuff be common sense. People shouldn’t need this show to understand they shouldn’t live above their means

[@CatsSayMeow89]

She wanted them to tell her it was ok to bankrupt it all. Craziness

[@donaldlyons17]

@@Mark-qg2ud Yep the problem is they think people can just work.....but they don't seem to understand that it cost a certain amount of money to do stuff...... WTF I used to live with others who between 3 of them could not pay 1/2 the total cost to survive!!!! SO......

[@janelleg597]

Some people are just mentally stuck

[@AlbatrossWhisper]

I was unemployed for six months until i found a job in my field then got a second job to pay off my 16k student loans. Just take anything that pays money.

[@lilliankerr-z7c]

Given the persisting global economic crisis, it's essential for individuals to focus on diversifying their income streams independent of governmental reliance. This involves exploring options such as stocks, gold, silver, and digital currencies. Despite the adversity in the economy, now is an opportune moment to contemplate these investment avenues.

[@LeylahCollins]

The pathway to substantial returns doesn't solely rely on stocks with significant movements. Instead, it revolves around effectively managing risk relative to reward. By appropriately sizing your positions and capitalizing on your advantage repeatedly, you can progressively work towards achieving your financial goals. This principle applies across various investment approaches, whether it be long-term investing or day trading.

[@alex-Yolan]

I agree, that's the more reason I prefer my day to day investment decisions being guided by an advisor, seeing that their entire skillset is built around going long and short at the same time both employing risk for its asymmetrical upside and laying off risk as a hedge against the inevitable downward turns, coupled with the exclusive information/analysis they have, it's near impossible to not out-perform, been using my advisor for over 2years+ and I've netted over 2.8million.

[@LindamartIin]

I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same but it seems you’ve got it all worked out with the firm you work with so i surely wouldn’t mind a recommendation.

[@alex-Yolan]

My CFA ‘Grace Adams Cook’ , a renowned figure in her line of work. I recommend researching her credentials further. She has many years of experience and is a valuable resource for anyone looking to navigate the financial market.

[@LindamartIin]

I just googled her and I'm really impressed with her credentials; I reached out to her since l need all the assistance l can get. I just scheduled a caII.

[@RyansuBike]

$20 an hour is nearly $40k if your doing it full time, no its not 55K but your not digging yourself a bigger hole.

[@donaldlyons17]

That is like me saying well $16 an hour is better than nothing... Well but I cost $18 an hour to break even in my area so.....

[@deborahakhimie3144]

​@@donaldlyons17would you rather do $0/hr where you get nothin

[@imveryhungry112]

I dont think student loans are dischargeable in bankruptcy unfortunately.

[@barbararepko4824]

They’re not if they’re federal loans.

[@pickmeisha]

They are not.

[@ronjab4586]

Federal student loans are dischargable in bankruptcy. It's an extra step called adversary proceedings where undue hardship needs to be proven. It used to be really hard because they also include earning potential for several years in this but with government guidelines changed, there has been a big increase in approvals this year. This path has always been a possibility just under the current administration, how undue hardship is proven finally got some clear guidance vs being largely the judge's interpretation. Only private student loans that were exclusively directly issued to any institution are not dischargable (if they were paid to the student, there is a big chance that they also used it for living expenses and a good bankruptcy attorney will absolutely be able to get rid of those). Avoid any bankruptcy attorney that tells you otherwise, there are a lot out there (at least here in Texas) that just want your business and an easy and fast case. For anyone who does want to get rid of their federal student loans, find a bankruptcy attorney who did adversary proceedings filings before.

[@Scrabble8393]

She can enroll in income based and she will be current without delinquency

[@ronjab4586]

@imveryhungry112 I'm surprised that my comment was deleted. I would really like to know what the issue was with it. Anyway, the key message was that YES, federal student loans can get discharged in bankruptcy through an additional step called adversary proceedings. And it's more likely than ever that this is successful due to updated guidance on how undue hardship is defined.

[@oggiezwork]

From the moment you hear "out of work for 1 year", unless you are ill, that's a choice at that point. I resigned from one of my old jobs some time ago and best believe one of the first jobs I started applying to on top of my actual trade were the bartender job posts. I bartended for about a month and then got the job I wanted. As an adult refusing to work is really kind of dumb to me and no one can tell me different.

[@LauraB0421]

@@oggiezwork I'm getting exhausted with these judgmental comments. Walk a mile in her moccasins first. I'm living it. I know she is telling the truth. Please tell me how to MAKE one of these shit jobs hire me? Please read my other comments. I'm too tired to say it all again. But everyone here assuming that if you want to work badly enough you can get hired has clearly not been unemployed within the last 5 years. You have no idea what you are talking about.

[@LauraB0421]

@@oggiezwork And by the way, I have tried and tried to get a bartending job. No experience so no one will give me a chance.

[@richprokop5155]

@@LauraB0421 U ACT LIKE NO JOBS R OPEN....GIVE ME A BREAK...

[@oggiezwork]

@@LauraB0421 trust me I have been in her shoes and worse off. I had no job and I couldn't pay my rent, I was LITERALLY homeless as in I had no money and no job. All I had was a phone and a laptop and guess what I did. I applied for fucking jobs. I got one. If you are lazy just say but don't give me the sob story I have been there.

[@oggiezwork]

@@LauraB0421 And there we go, you are internalising. You need to wake up. You live in fucking AMERICA, act like someone who lives better than over 90% of the global population. You need to visit Africa or something haha

[@MarkYeung1]

She needs an interim job as soon as possible. This is not only important for her financial health, but also for her mental health.

[@Blue_Star_flyer]

I was in a similar situation and got an education where I could earn more. Changed from hairdresser to RN. Took me nearly 6 years to get a 2 year associate degree but best money and time I ever spent was on bettering my future.

[@jimroscovius]

There's always a job. I've been laid off four times and always got a job within a month. Something is better than nothing.

[@lorimiller623]

Pro tip: lots of employers don't want to hire someone who hasn't worked at ANYTHING in a year. Yes--get a basic job until something better comes along.

[@Yogastrong908]

On the flip side lots of employers (myself included) don’t want to hire someone who’s working a basic job for a year long.

[@vickieclark5931]

@@Yogastrong908 Why?? You'd rather hire someone that sits on their ass for a year and not able to pay their rent and buy food? Personally, I wouldn't want that person as an employee because that proves that they are lazy not hirable.

[@OhYeaMista]

@@Yogastrong908 why…. Shows they’re hard workers and not lazy or entitled. Really weird standard you have.

[@arshae21]

"It's easier to get a job when you have a job."

[@HairyTornado]

Things they missed 1. Student loans aren’t even bankruptable. They should have mentioned that to her. 2. 8 interviews in 1 year is a joke. She needs to be booking 8 interviews a month. Also, she needs someone like Ken to go through a mock interview with her to see what the issue is. She has to be doing something wrong to not get hired after so many opportunities. 3. I’d be curious to know how she’s even living right now. No income at all for a year? How did they not ask about that?

[@tyndni]

She needs to be hustling on the side. Maybe reselling? ❤

[@ronjab4586]

Federal student loans can be discharged in bankruptcy through an additional step called adversary proceedings. And with recently updated guidance, it's more likely than ever to be successful.

[@YahsLoveisEnough]

Sounds like unemployment is about to run out and credit cards are maxed out.

[@VoiceOfReason919]

Pay her reparations now!

[@vickieclark5931]

Yeah, she kind of sounds like she is hoping Ken and Racheal says to file bankruptcy. It's like she wants their permission to do it. That's probably what she did after she got off the phone call with them. She definitely doesn't sound like she wants to get a job. I'd be freaked out with no job and a mountain of debt. I'd go to target, petsmark, walmart to see if I can get hired. The thought of not having food to eat or not being able to have running water would scare me enough to find anything.

[@Blue_Star_flyer]

Ha...I didn't think of that. She chose the wrong field, she lacks integrity and a strong work ethic.

[@marcenelj]

Ken should know a lot of those virtual positions posted online, are scams.. considering he's an expert at this.

[@beautifulday7528]

So true. I have wasted so much time applying for those virtual paralegal jobs, and I have 20 years of experience. There are many reasons companies put ads in; looks like the firm is growing and helps with attorney recruitment; calms an overworked support staff saying, look we are advertising for another person, when it is bogus; on and on. Such a waste of time. I have interviewed locally. I am now working at a grocery store deli. You work where you can when you can while you look for a job in your profession. A year without work is a bad decision.

[@cvxcfv]

Tons of scams just Uber and make 2-3k/mo until she finds a job but she sounds lazy

[@shandemaio8902]

Right.

[@jimmymcgill6778]

YEP.

[@marcenelj]

@@beautifulday7528 yep.. these scammers are just trying to put their hands on your personal information.. be careful out there

[@UncleDavesKitchen]

She would rather not work, not pay off debts she incurred such as school, car and personal loans? Why has a 30 year old with some schooling NOT work for a year and let the debt sit and conciser bankruptcy to stick her debtors to pay from her lack of integrity. I wonder if she lost her job and been ghosted by other employers for a good reason.

[@vickieclark5931]

Yeah, cause even in a tough economy like we are in now, people still need doctors and lawyers. If you are in the medical or law field, then you shouldn't have trouble finding a job if you were able to find one before. But you maybe on to something. She may not have been good at that job cause she is in the type of field where you have to crush it, and she doesn't seem like the type that is a go-getter. At least that is what I'm getting out of this call.

[@UncleDavesKitchen]

@@vickieclark5931 giver her an F for effort.

[@biolife3274]

😂😂😂 you figured all of that from this short call. Please stop the bs with the stereotype yall want so desperately to believe. You know nothing about what someone is capable of outside of the racist belief that you can never get away from.

[@Blue_Star_flyer]

@@biolife3274 she's chosen a career that requires focus, attention, integrity and persistence. Yet she doesn't work for a year and wants out of her agreements for loan repayment. She might have chosen the wrong career choice. I'm going to bet she's not sharing the whole story why she's unemployed and others ghost her. People will speak louder by what they avoid saying than what they do say.

[@Blue_Star_flyer]

@@vickieclark5931 she's avoiding her agreement to pay back the loan. Bizarre for someone that chose a legal field. I wonder why she lost the job and why others don't want her. It's what she's not telling more so than what she is telling.

[@LS-tw1ng]

My best friends husband has been not working for over a year. He says I’m not working for less than $20. So $0 makes sense?

[@JeremyTheEntrepreneur]

I do agree minimum wages need to increase

[@todd2324]

She isn't the only one, unfortunately. There are people all over LinkedIn lamenting their unemployment, but seemingly unable to take any job that will pay the bills.

[@TheSonyExperience]

I didn't know how much paralegals made, once I heard she was looking for less than $25 an hour; I just about fell out of my chair. She could have replaced 50-75% of her lost income with a retail or fast food job with some dashing on the side. If she did labor, she could have easily replaced it all. I know people hustling at the warehouses making 65-75K with a bunch of OT. This is the problem with many Americans, she attaches a higher social value to that job, when its nothing special from an income side. She probably thinks she is to good to do a “lesser” job. She can do at home customer support and probably walk into 20-25 an hour tomorrow. She's just lazy.

[@vickieclark5931]

I completely agree. There are lots of people in the grocery industry that makes a lot more than she does. And I'm not talking about DMs or CEOs. I'm talking about people that work in the grocery stores. If she became just a department manager, she would make more than she ever did as a paralegal. It's not like she can't find a job that paid what she made. It still amazes me how people take out student loans for jobs that don't pay more than retail does. SMH

[@thebeegood1731]

Callers like this need to keep the big picture in mind. You’re sitting waiting for “the specific job” and going backwards financially. ANY job is better than what she’s doing right now.

[@donaldlyons17]

Not true!!! Any job could also be an illegal job right? WTF man no only certain jobs allow for certain options!!!

[@penguin12902]

@@donaldlyons17 Logical Fallacy - appeal to extremes. Illegal jobs aren't jobs, those are crimes. No one is telling her to go commit crimes, they're telling her to go get a dang job. Stop making excuses for her.

[@donaldlyons17]

@@penguin12902 SHe needs a job where she can get what she wants..... Just doing stuff does not work... I know because I worked lower level jobs and when money got tight people did not just stop buying... they attempted to buy despite not having the money!!!! WTF people who don't make much stop having options at some point!!!

[@Patricia-pp3mr]

I worked at a factory and managed to buy my own house and pay my bills. It's not easy but i manage.

[@frawdulent]

How is she surviving 12 months with no job? Gotta say, this isn’t a matter of companies ghosting, it’s utter laziness.

[@mikemayo4812]

I've sent 350 applications and had 30 interviews over 6 months since being laid off. I'm applying for sub-$20 per hour jobs. There is not enough jobs for everyone. For every job opening, there is literally hundreds of people applying for it.

[@MoneyMan28]

@@mikemayo4812 There are too many people so we have to cut the population from 350 million including illegals to only 200 million through one child policy

[@KarenLavia]

If the unemployment rate is able to remain steady while the Fed hikes and inflation falls back to target, a soft landing might be on the table

[@Hectorkante]

Don’t expect a soft landing. We know inflation still far from its 2% destination - the FOMC didn’t raise rates now, we can never fortell their moves these days

[@BellamyGriffin19]

Fixed income Tbills and bonds may work for you while you try to figure out the next entry point for stocks

[@PaulKatrina.]

I agree It’s always good to have a balanced fin-plan. I work with a professional planner multi market and fixed-income strategist in NY. the fixed income portion of your portfolio won’t simply serve as a buffer to the volatility of the equity portion of your portfolio, but will provide legitimate income.

[@ScottKindle-bk3hx]

Who are you working with please?

[@PaulKatrina.]

Certainly, there are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Sophia Maurine Lanting” for about five years now, and her performance has been consistently impressive.She’s quite known in her field, look-her up.

[@Jennydowntheblock]

Love your new hair color Rachel!

[@evanl889]

“You’re doing great girl” Why would she end on that? She’s not doing great. She hasn’t worked in a year because she’s won’t take any job because it’s beneath her because she was working a $55,000 a year job as paralegal and now she’s considering bankruptcy. Nothing she has done has been good.

[@billdiehl8463]

"You're doing great girl". WTF Rachel. No she's not. Good grief. Hasn't worked for a year. A YEAR! She doesn't want to work. Oh poor me. I'll file for bankruptcy. That'll fix this mess I've made lol. Heck if Deloney had been on the line instead of Ken he would of told her how "proud he was of her". Again, I'll write it. WTF!

[@LaneDenson]

Probably just trying to encourage her. 🤷‍♂

[@FTG2Eli]

She's doing great by calling in to the show.

[@EgonKristi]

She needs to swallow her pride and take a job asap, until her primary job market gets better, she also needs to look into losing weight and bettering her health.

[@UncleDavesKitchen]

I wonder if she lost her job and ghosted by others for good reason. Not worked for a year and done nothing about her debt but consider bankruptcy? She's a paralegal and that is her best decision???

[@LauraB0421]

Losing weight???

[@Yogastrong908]

That’s not a solution. She needs to double down her job search. In the Philly area she might as well be bankrupt with a minimum wage job.

[@pickmeisha]

You hit the nail on the head with losing weight. I suspected the same, hence the laziness.

[@Middle850]

I grandfather told me when I was younger “it does matter what job you do, show up, work hard, have and take pride in it and people notice that” When construction was really bad and slow about 08-2012 give or take I was laid off. Until I could find something in construction again I did whatever I could or needed to even working for a moving company. Never listen to anyone who says “I cannot find a job” no you are not trying hard enough and don’t care. It does not matter what you do or the job even if it’s not ideal it’s just a temporary stepping stone to what you want to do or the next better job

[@AnthonyMcNeil]

Instead of working anything, she rather not work and dig herself a bigger hole. That makes way more sense.

[@NC-jl4tn]

It’s a terrible job market out there for the past 2 years and a lot of jobs that don’t require any qualifications with wages likes $15 an hour don’t hire people that are over qualified for the job because they know people like that won’t stay. It can be tough

[@donaldlyons17]

Well as an employer they must have plenty of applicants so I can't agree more why bother with those who are able when one can get others who are less able and will still be forced to work?

[@janhatcher6991]

I have never heard of virtual paralegal. Never knew there was such a thing.

[@angelawoodlief7242]

Home based job, work from home.

[@jayman3575]

Ive gone through 10+ interviews before landing an offer letter. Id aim for 10 initial interviews/month and at least 1 2nd round interview/week. You can do it 🙌🏽

[@livingunashamed4869]

1yr??? Sheesh I'm not going longer than 2 weeks.

[@BusArch42]

Exactly McDonald’s is an option. They pay $15 an hour here.

[@EverElia]

Same! By day 3 of not working, I panick and get determined.

[@QueenRissa_34]

The longest I’ve been unemployed was 2-3 months tops….a year never!!! 🥴😵‍💫

[@Alexanderjames-rv2ik]

Unemployment is an odd concept in an economy where for so many folks it’s necessary to work multiple jobs just to get by. Loose one and you’re counted as employed but suddenly don’t have enough money to live.

[@DhanaPayar]

The economy is grappling with uncertainties, global fluctuations, and pandemic aftermath, causing instability. Rising inflation, sluggish growth, and trade disruptions need urgent attention from all sectors to restore stability and stimulate growth.

[@Kin-28-8]

Things are strange right now. The US dollar is becoming less valuable because of inflation, but it's getting stronger compared to other currencies and things like gold and property. People are turning to the dollar because they think it's safer. I'm worried about my retirement savings of about $420,000 losing value because of high inflation. Where else can we keep our money?

[@Lewistonwilliams-f5i]

Due to my demanding job, I lack the time to thoroughly assess my investments and analyze individual stocks. Consequently, for the past seven years, I have enlisted the services of a fiduciary who actively manages my portfolio to adapt to the current market conditions. This strategy has allowed me to navigate the financial landscape successfully, making informed decisions on when to buy and sell. Perhaps you should consider a similar approach.

[@JacobPaul-n6p]

I'm intrigued by this. I've searched for financial advisors online but it's kind of hard to get in touch with one. Okay if I ask you for a recommendation?

[@Lewistonwilliams-f5i]

Finding financial advisors like Jessica Lee Horst who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.

[@MBoyer-ng6ok]

Tough spot--big debt without any shovel to dig out.....Side note: Rachel and Ken have some cool denim/western themed shirts today that are fire. Shout out to Ramsey producers/wardrobe-- fitting the personalities and creating a good vibe

[@conservativepersonnel8458]

People like this caller is the reason America is in the Sht hole!!!!!!!!!!

[@tj_puma]

Hey sis, we’re in the same boat, I feel you! The job market isn’t good right now, and I learned in my last call with the Ramsay’s that they can’t help us in this situation, they also don’t see that the job market in our field is genuinely FKED rn, but should start clearing up 2025. We gotta grind shitty jobs until we get our career jobs again, while picking up new skills along the way. Ignore the toxic comments here, very unhelpful and delusional. Good luck!

[@ColonelKlink100]

More comments like this one needed.

[@annaelisavettavonnedozza9607]

What toxic comments? The ones telling her to get any job she can until her dream job comes along? Those? They’re realistic not toxic. No ones calling her names or bullying her, they’re telling her to work

[@ColonelKlink100]

Did you miss this part of the OP's comment? "We gotta grind shitty jobs until we get our career jobs again, while picking up new skills along the way."

[@Nutajel]

Legal Assistants are in demand. At least in my experience, you can sign up with a paralegal employment agencies and get assignments right away. Of course, you need to have a decent work history and references.

[@Dbeaves2493]

55 k a year isn't worth holding out for.. it's not especially difficult to make.

[@sorctime8782]

I'm also unemployed for a year. Job market is terrible

[@Chad-qe6yv]

First 10 seconds when she said it was exhausting just to talk about it probably explains a lot.

[@tfish7330]

January until now 6-7 interviews?????? How about 6-7 interviews a week?? WTH?

[@bigcahuna42366]

Philadelphia is the 6th largest city in America. There's gotta be tons of job in that area. I know the job market isn't the greatest, but there is something available. Also Philly isn't a cheap place to live, so if she has to move, move.

[@Justauri-asdfghjkl]

I have a degree in Economics and pretty much no standards. I just want to earn a living. I work two full time jobs right now (barely over minimum wage). I have been rejected from 3 target locations, 8 chickfila locations, 3 chipotle locations, a Best Buy, and multiple Starbucks locations as well. The job market is in a state of crisis and people aren't willing to accept that

[@firegirljen]

A common theme of this show is people who call in and are broke but also have a bunch of excuses. Try living in a country with 20% unemployment rate. That would be real struggling.

[@Rashaadthegr8]

It's very easy to get a job its hard to get a good career. They will literally hire anybody at the grocery. I knew I seen at least 30 people come and go in the 3 years I was there in the PANDEMIC.

[@user-es5jq6yy9l]

Haha so that will not even cover basic stuff

[@Rashaadthegr8]

@@user-es5jq6yy9l It will cover super basic stuff like food and you have to get a roommate or have a working spouse.

[@machutson5493]

Sorry, I don't think, she wants to work.....

[@Management_45]

Nursing homes are always hiring if corporate ain’t hiring 😂

[@annaelisavettavonnedozza9607]

I live in the area-there are plenty of jobs available, just not the ones she wants

[@chazzkramer7676]

She's not motivated enough. You can't toss a pebble in Philadelphia without hitting 1000 lawyers.

[@vickieclark5931]

LOL. Good point, which is why I'm wondering if something happened with her job that made her not hirable for that position. I may be wrong, but sometimes if something happens where you lose your job in a field like she is in, word gets around and they won't touch that person with a 10-foot pole.

[@melslife89]

Yup. I took a low paying job as soon as I found out I was being laid off in 2 months. Then I will be doing Uber eats on the side… hopefully this new job offers OT because I will take all of it. Just to ensure I can pay all my bills

[@andysorensen1737]

r/thathappened Ken pulling up mythical jobs

[@clint6716]

Are you implying there are not online paralegals?

[@suen5006]

Ken - Just because something is posted on a website doesn't mean there is really a job there or that they will actually hire someone. There are so many fake postings it's unreal. Don't know why this is happening, companies might just be collecting resumes incase they want to hire, but this is really happening.

[@davinasquirrel7672]

Overcoming the mental depression caused by layoff is very hard. But true, go for any job, in the meantime because the lack of money is depressing in of itself. At least you help minimise one part (money, even if lower, should keep from drowning further). Sometimes people worry about how these in between jobs read on the cv, but it ultimately looks worse with unemployed in that time frame. Also, in this search, you may find another field you had not considered, and actually enjoy more. My cv is bizarre with all the different directions I have taken. What sucked more was being unemployed and broke. Some employers actually praise doing the in between jobs rather than 'doing nothing'.

[@HopeWins777]

🙋‍♀️🙋‍♀️🙋‍♀️The unemployed caller ...got me wondering about bankruptcy decision details. Does it matter how to handle repay or discharge dependsing if it's medical debt or credit card debt or loans on assets? You can always pay back what you want to and keep accounting good status once you get. Still best to negotiate payment plans? Is it best to negotiate Balance Due reductions, if possible, or Always pay all of what is due in full? Snowball at rate of pay plan?

[@PorscheCaymanB]

Work in a manufacturing factory, they're always hiring and pay well.

[@Drspuds5]

mcdonalds isnt even a bad job these days she needa put them fries in the damn bag

[@SubutaiKai]

Simple solution for this girl. Stop acting like you're above working at Target, Walgreens, etc. She said 55k a year, I made that at Walgreens as a shift lead, so really you have no excuses. I live in Nashville, so kind of the same scenario. Get off your butt and work 50 to 60 hours a week, I fixed all my problems in just 2 years. I'm just an average dude like anyone else.

[@Yogastrong908]

That’s actually a projection. The overwhelming majority of hiring managers at retail/fast food/low income jobs aren’t calling a white collar person between jobs in for an interview, let alone to hire them.

[@DaveyW]

Yeah, just got laid off in nashville. Gotta get a part time gig started to slow the bleed until I can find a decent job.

[@SubutaiKai]

@@DaveyW I feel you brother, you'll get through it. Plenty of places need people, you just can't be picky about it. Give it a run at least, making money is all the same. Screw appearances.

[@westnash]

Why is she "doin great girl" when she has been too lazy to get a job for a year and you have no idea why she lost the last job? She needs the Herman Caine advice, "stop complaining, get off your ass and go to work." Dave needs to be back on the show more often.

[@lalacoqui3729]

💯

[@someonesomewhere1385]

she needs to WANT to dig out of it....

[@dougholdem2898]

If you were making 55k gross you're netting about 40k a year that she had been living on, so how in 1 year do you get 77k in debt? Sounds like she wasn't living within her means when she had a job.

[@Fishouta]

The 77k debt was not broken down but includes other debt she already had, such as car loans

[@theresa78201]

@@Fishouta yes, and student loans that she may have taken out years ago

[@donaldlyons17]

You do know life tends to have a cost right? Getting into debt with NO JOB is what I would expect By The WAY!!

[@Tap354]

Wish Dave was on this call, “Honey you ain’t seeing the inside of a restaurant unless you’re working there” they were way too nice to her, get a job already..

[@buddykerr1]

Instead she got a you're doin great girl! smh

[@Themoomabides]

Here’s the problem with Ramsey. A woman calls up and needs interview advice and gets “go work 12 hours at Walmart and Uber.” I’m a highly educated job seeker with a lot of manager experience. Minimum wage jobs aren’t hiring me. I’ve applied to a lot of $20-$25/hr jobs and not even got an interview. Because they don’t want to hire people who will leave when their primary industry calls them back. As for Uber, with the rates driving apps take from the driver, it’s not worth the wear and tear and gas. Plus, if everyone is driving for Uber, it takes away from all the other drivers. Let’s just call a spade a spade. The market sucks and having a bunch of mediocre radio personalities making ridiculous salaries giving advice on how to live a normal life is entertaining more than productive.

[@alinatamashevich3354]

Then get a in demand job skill. Define "highly educated" please.

[@Yogastrong908]

@@alinatamashevich3354lol there are no “in demand” jobs. Most are being replaced with AI.

[@alinatamashevich3354]

@@Yogastrong908 Weird, that HVAC guy I had come out last week sure looked real to me! I guess you think the surgeon that will operate on my b/f is not in demand either? Is the term "paper or plastic" in your lexicon?

[@amireallythatgrumpy6508]

@@Yogastrong908 Not where you're looking.

[@jamesross160]

​@Yogastrong908 ai can't do the physical work of the trades. I made 98 last year with OT building solar farms. No degree needed and in demand. Once we build them, someone has to maintain them for 30 years.

[@kendrapratt2098]

Rachel-on caller being ghosted “That’s defeating. I’m so sorry” Caller-“It’s okay “😂 Edited to add I appreciate Ken walking through/validating some feelings she may not have felt comfortable acknowledging, yet

[@alladreamwedreamed]

Ken Coleman showing his grand expertise by googling stuff on the air. I actually agree with the caller that virtual paralegal staffing sounds shady.

[@dm96177]

Sounds like laziness and complacency enabled by credit cards

[@steeliesteve5667]

Sounds like she doesn't like to work. It's about survival right now. A year is a long time unemployed

[@LauraB0421]

I am in her shoes. You need to walk a mile in her moccasins before you judge. You have no idea what the application process even for a horrible crappy job is like right now. The powers that be want you to think there is a ton of work out there, but there isn't. Most of what's on the websites is fake or expired. Even getting a crap job at Burger King requires you applying through AI. 90% of applications are never even seen by a human being. The legit employers don't even know you exist.

[@BusArch42]

Yup

[@robertcarless7445]

Rachel is nowhere near as clued up as her father. She didn't even ask how much was student loans which are not bankruptable.

[@katherinedennison445]

Job market DOES suck. Inflation is sucking the life out of people. THANK YOU BIDENOMICS!!!!!

[@Desertbiker617]

Trump will hire you and give you a huge tax cut because you are a billionaire.

[@analyticalchick3064]

She voted for Biden, though

[@jg7714]

File bankruptcy immediately. You are unemployed. You are not digging out of this hole with a retail job! Get real!

[@Desertbiker617]

Student loans are not bankruptable.

[@amireallythatgrumpy6508]

She does not deserve to get out of this hole. Get real!

[@Fishouta]

They didn't go into any detail on amnts of what kind of debt. We'd have to know this first

[@westnash]

Yep, that is the Jesse Jackson approach and then yell racism!

[@Desertbiker617]

@@westnash are you lost?

[@TiktokTownhall]

As a person who was unemployed for 9 months, I understand the emotions However, you can easily substitute 55k. I could understand if she was trying to replace a salary of 120k but she can get 1 fulltime job, 1 part time, and gig work

[@skateata1]

A job is better than no job. Some employers even pay college tuition. Target, Walmart, Disney, Macy's, Amazon are a few that have it listed on their website. Put your pride aside.

[@mariorta5017]

Bull crap. There is much you can do, clean houses, restaurants, uber, doordash, walk dogs, mow lawns, clean windows or cars, sell your furniture, shoes, etc. When I got tired of my debt, I was mowing laws, selling everything that I was no using around my house, my husband and I was working 7 days a week, two jobs and selling everything, even the cat was in a budget. We paid off $320k in 2.5 yrs. We finished the house on April. It is possible, but you have to move and chase.

[@donaldlyons17]

Yeah and what type of outcome can one expect with those jobs you mentioned? WTF dude getting a job that allows for options I would think is what she really needs...

[@box1007]

Very unpleasant difficult situation for this lady. Its not easy getting a job. She needs to go for a stress relieving poo, take stock and hope for the best. 👍🏻

[@Rashaadthegr8]

It's very easy to get a job its hard to get a good career. They will literally hire anybody at the grocery. I knew I seen at least 30 people come and go in the 3 years I was there.

[@Blue_Star_flyer]

@@Rashaadthegr8 I wonder if she lost her job and ghosted by recruiters for a good reason. She doesn't sound like she can make good decisions.

[@box1007]

There must be a lot of drug worker/councillor jobs in Philadelphia. That open air drugs market is a blight on the USA and should not be allowed!

[@LauraB0421]

​@@Blue_Star_flyerThere are a lot of despicable comments just like yours in this thread. Walk a mile in someone's shoes first before you judge. All the people saying this crap have NO idea how bad or difficult things are out here right now. It is all done through computers. 90% of applications, even for the crappiest jobs, are never seen by a human being. The people hiring don't even know you exist. Over stupid things like the margins in your resume might not be what they want, or you used a header for your name and phone at the top. I only know this because a retired military computer guru is running enemployment groups in my area. He is finding all the issues preventing people from finding work. There is also rampant age discrimination. He was told right to his face by a 27 year old recruiter looking at resumes that she would not hire someone even though she had a stellar resume. The reason she gave was that the person was her mother's age. I have never been out of work this long in my life. I'm afraid I'm going to die homeless. Three and a half years ago I had stellar credit, money in the bank and a crappy job but was at least employed. I was finally able to buy a home. Now I'm about to lose my house. You cannot disparage someone and assume what they are or are not doing. You need to walk this awful path and then open your mouth.

[@LauraB0421]

@@Rashaadthegr8 Really depends on where you live.

[@michaelcraig4710]

i would never uber drive/or uber eats some people are not safe getting hurt or worse is not worth delivering pizzas to me.

[@ripvanwinkle4532]

You’re not a paralegal if you don’t have a job.

[@vdoggydogg3922]

go through a consulting company for the meantime.

[@whitneyw.7919]

She should def file for bankruptcy! Her income even when employed is probably not 6 figures. Very difficult to make progress on that debt!

[@jeremyk1916]

Covid and inflation absolutely destroyed me. Couldn’t afford to live without using credit cards. Ended up $52,000 in the hole. Bankruptcy gave me a fresh start. Best thing I ever did. No regrets!

[@annaelisavettavonnedozza9607]

How’s your credit?

[@smithersrob]

8 interviews since January? Less than 1 per month? when you don't have a job getting a job is your full time job, she should be going to 8+ interviews per week not per year

[@Thurgor_Supreme]

$55k isn't anything to hold out for. Go work at freaking McDonald's or something until you get your "dream job"

[@albundy7794]

Many don't understand that when you do the Ch. 7 Means Test, they take the last 3 months' income to see if you qualify. Which means that, since this lady made $0, NOW is the time to file, before she (presumably) lands a job. It's ridiculous to pay back this debt when she could discharge it (other than the student loans) and start building a nest egg instead. Being high and mighty about BK is fine, but we also have to live in the real world.

[@GAFB1122]

So I have to clean up your mess. Pathetic!

[@jamesross160]

Except it's extremely difficult to work in legal with bankruptcy.

[@jimmymcgill6778]

And these people think that it's so easy to get a job?

[@alinatamashevich3354]

@Jimmy, how many people have you hired ? Is zero an accurate number?

[@BirdDogey1]

I lost my job at 56. I can get an interview so they can say they interviewed older workers but they ignore me during the interview.

[@amireallythatgrumpy6508]

No. They know people need to do HARD things to survive. You need to learn this.

[@EricRamz]

@@BirdDogey1how do your interviewers know how old you are before they schedule an interview?

[@BirdDogey1]

@@EricRamz what year did you obtain uour college degree? Gives them an approximate age. Also, they are immediately disinterested in you before the interview begins.

[@Tashas_Travels]

Start doing uber eats, lyft, door dash and other jobs and get some kind of money. Some progress is better than no progress especially when it comes to debt.

[@beck943]

It was okay to be down, a year ago. Get over it!

[@zo_471]

I’ll never understand people like this

[@mrfranchize02]

When people blame the economy for their current struggles, I already know what time it is😅

[@AdamErickson-mt7vl]

I disagree here if you could get the courts to forgive the student loans and allow you to keep your car then 100% do it! Your credit will take a hit and prevent you from certain purchases like a home for 7 years but you can rebuild.

[@Cynthia-mm1cv]

Purchasing a stock may seem straightforward, but selecting the correct stock without a proven strategy can be exceedingly challenging. I've been working on expanding my $210K portfolio for a while, and my primary obstacle is the lack of clear entry and exit strategies. Any advice on this matter would be greatly appreciated.

[@VanChuong-on2gh]

the strategies are quite rigorous for the regular-Joe. As a matter of fact, they are mostly successfully carried out by pros who have had a great deal of skillset/knowledge to pull such trades off.

[@mandyyonge]

Even with the right strategies and appropriate assets, investment returns can differ among investors. Recognizing the vital role of experience in investment success is crucial. Personally, I understood this significance and sought guidance from a market analyst, significantly growing my account to nearly a million. Strategically withdrawing profits just before the market correction, I'm now seizing buying opportunities once again.

[@tinsleyLuna]

thats really massive!How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?

[@mandyyonge]

“.LUCIA ALICIA CRUZ.’’ is the licensed coach I use. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment. .

[@mandyyonge]

I have a female advisor named Lucia Alicia Cruz. I recommend researching her. To be very honest, I'm glad I decided to let someone handle expanding my finances even though I almost didn't think I should.

[@BirdDogey1]

BK. Bad advice. File BK. It will take you 20 years to pay that off. I worked in tax law for 12 years and know of what I speak.

[@ruthirwin8222]

Yea let taxpayer pay for her laziness....she needs to get a job

[@amireallythatgrumpy6508]

And that won't help with the student loan.

[@jamesross160]

She won't work in legal for 7 years after, good luck getting back in after that break.

[@BirdDogey1]

@@amireallythatgrumpy6508 most of her debt is credit cards.

[@jaymca730]

Heres whats wrong with the logic of just get a job til the right one comes along. There are only so many hours in a day. If you work an 8 hours shift thats 9 hours (lunch break) plus commute if on site. Now add in maintaining a house and a family. When do you have time to sit and search and tailor resumes and network and interview? Those types of jobs like Walmart dont give time off up front. So you have 4 rounds of interviews for 2 different jobs and you are getting fired anyway. Not only that but 20-30K may not even pay the rent for some people (my mortgage alone is $34K annually so for me that would be pointless). Being out if work for a year doesnt mean you dont know how to do the job. Employers will look at how long you were at your past job, and if we are really honest since Covid, nothing has been "steady." I feel her cause im there too and i know several others who are as well in the tech sector. I dont claim to know what the solution is, but we need better solutions than that.

[@joshw7415]

“I’ve been unemployed for a year and the job market absolutely sucks but I’m not working at Walmart or target.”Geez…

[@vahe71]

It's funny. A person who once made a mistake and fell into a credit trap calls and asks if he should pay his debt to a business that feeds people who answer this question. 😂

[@random-nz7dy]

There is no excuse to be out of work for a year if you live in a major city and you don't have some kind of major disability or medical condition like cancer. If you're just a regular person who's capable of working any job and you're out of work for a year, that's a choice. And I get it, it can suck to feel like you'd be going backwards by getting a retail job but freaking go do something. Basically every grown adult out there doesn't have the luxury of being able to not work. Sounds to me like she's hoping t avoid work and figure out a get out debt free card.

[@lot2196]

Amen. I'm a cancer survivor, I have active co-workers with cancer right now who are still working. These people are amazing.

[@random-nz7dy]

@@lot2196 I also have a co-worker that has cancer who is working part-time. Obviously there are people who fall on extremely hard times and maybe very very prohibited from working. But that's not what this lady is going through. She is choosing not to work - per her own story.

[@scoobie8amg]

Two seconds on LinkedIn will tell you how absolutely trash the job market is right now. This woman is the norm unfortunately.

[@oggiezwork]

You just gonna gloss over the part where she's only looking for jobs in her field. She has 70k in debt don't think she gets to choose what type of job she can take now. Also with experience, doesn't take a year to find a job. What is wrong with people

[@rudyardganuelas6254]

4.2% unemployment rate in august. 3.7% average last year. Historical average is 5.7

[@analyticalchick3064]

I'm working so many jobs the last few years. Y'all are too picky

[@davidknicks]

Sad to hear

[@firegirljen]

Caller says I’m broke, Caller also says don’t wanna take any jobs that aren’t my ideal job.😮

[@mollydollycooking8627]

If she bankrupts herself all the more nobody will hire her as paralegal.