In Debt $59,000 For A Master's Degree Just Because...

[@candyluna2929]

I would never just sit in school just to sit. I did that by force for 12 years

[@NickPeitsch]

CandyCandy yeah a masters isn’t worth it unless you absolutely need it for a career path

[@thewifelife007]

Agreed

[@sopascat7]

@ CandyCandy , my aunt’s old friend was taking one class a semester almost each year at community college; mostly because it was something to do & not be bored (retired & widowed). She never picked a major, just took classes. 12 yrs later, she gets a letter from the college saying she’s graduated. She was surprised.

[@ca8824]

Jeez man well when you put it like that you make it sound like a bad idea.

[@Thatsme849]

but going to school is pretty fun imo. Especially when it is practically free :D

[@BenRangel]

Should be mandatory for college students to have some kind of session every year where they look at the job market and talk about what their actual future plans are. just to make sure they're not wasting their money.

[@nzmanhdee6246]

they do. students don't use it though.

[@LittleMopeHead]

@@nzmanhdee6246 key part is "mandatory" not optional.

[@nzmanhdee6246]

LittleMopeHead Mandatory doesn’t mean anything to college kids when their number amounts to thousand. They slack off all the time. I

[@louib716]

@ maybe it deserves to be hurt if their success depends on financially ruining young adults

[@anastasiacline6159]

That would be like requiring people to go through a financial responsibility class before buying a car. Why would they do that when they can sucker money out of young people who don't know any better who have been told that college is the only way to get respect in society anymore?

[@Ryan_DeWitt]

People like this woman are why Dave never recommends credit cards.

[@NickPeitsch]

It’s unfortunate because credit cards can benefit you if used right!

[@Ryan_DeWitt]

@@NickPeitsch Exactly but Dave assumes everyone who uses one is some ignorant spending fool when countess people including millionaires and billionaires use them every day. You can even get banned from Dave's facebook site for even mentioning them. Plus you can use them to buy things off of Dave's site. There is no way for an online site to tell the difference between a visa/MC cc vs a debit card. That is why I just left when I found out they were that way. The worst is the strawman argument of becoming rich off of points or whatever. I have never met a person who thought that a cc bonuses was going to make them a millionaire.

[@NickPeitsch]

Ryan De Witt jeez that’s crazy man. My mom has been using credit cards with her business for years, accumulating enough points for her to purchase all of our family’s flight points every year! Not using credit cards in the 21st century is just foolish

[@jenniferannfox2316]

@Johnny Five same here

[@johnadams3418]

@@NickPeitsch It's like an extended warranty. These credit card companies would not be doing it if they were not making money off of it. So some people will get more than they give, but most won't. Since most people needing Dave's advice are prone to behaviors that get them into debt, they are MORE likely than average to not be in the group that gets more than they pay to the credit card company. So, broadly speaking he notes the relatively minor positives versus the potential negatives just aren't worth the risk of handling snakes. I'm not saying I agree with his scorched earth policy on the subject, but I 100% understand why in his profession it makes sense to just tell people to stay away altogether.

[@dr.bassmab552]

60k in Master degree that she is not even using it 🙄

[@ngugi7279]

Average Americans

[@yugiohpokemon5285]

Exactly and peoples stupidity never surprises me because im constantly surprised like this lady :)

[@honeybee8989]

What a waste... 🤦‍♀️

[@p31ChicaLove]

This is sooooo common - people getting degrees in areas they’re not even passionate about - all just to say they have a degree. 😬

[@davidbrewer7937]

Welcome to the reality of University degrees....I would reckon only 30% of degree students ever work in a field even remotely related to the area of their study...

[@JOHNCENAisDOMO]

It’s probably a bummer to have returning callers still be dumb

[@0Mynameisearl0]

Makes for better content for us tho 👍🏾

[@insideoutsideupsidedown2218]

I listened to this one on the radio the other day, i "saw" the reaction on Dave's face over the radio and confirmed it here.

[@pawsnotclaws2772]

Brad Kevins TV lol ikr

[@blackworldtraveler3711]

Brad Kevins TV Money in the bank for Dave.

[@fredericksharon6908]

She called back in Feb and didn't get a masters in the mean time. So she is aware of her shortcomings.. so let's not go Judey on her.

[@dfizz313]

Book smarts and common sense are 2 different things.

[@michaelb.8953]

So many college graduates that get a degree automatically think they are intelligent just by proxy of the degree.

[@Ed-vq9ph]

I DoNt HaVe a DeGrEe So Im GoInG To mAkE fUn oF PeOplE ThAt dO

[@braxxian]

Amen.

[@cameronsantiago3155]

@Brandon De Oca the thing is you need to spend a lot of time to be book smart and you don't have the time/skip the logistics of your career path and things that matter more or as much as being book smart

[@cameronsantiago3155]

@Brandon De Oca Seems more like a flex than you backing yourself

[@mimib___6709]

I have 2 undergrad degrees in STEM, one which requires a license to actually work in the field. As much as I love Microbiology and would love to eventually get a doctorate, I'm not going back to school unless someone, my job and/or school covers ALL expenses. Who gets a Masters just because....she just prolonged the inevitable and made it bigger.

[@quanita7116]

A friends daughter is graduating high school tomorrow and she is going to college for marine biology. Now I don't know anything about this area of study/field or what jobs she can get afterwards but I do hope she can get a job and make good money to support herself.

[@jurikowhy359]

I’m a lab tech as well, and I actually had someone ask me why haven’t I gotten my masters degree yet. Umm... because I don’t need one.

[@rosem5361]

Awesome way to think!

[@EwYoureCringe]

Usually microbio phds are fully funded...???

[@biometal770]

I got a pharma company to pay for my stem masters

[@edgehodl4832]

How many other degrees out there people got for no reason? No wonder our nation is in school loan debt.

[@blackworldtraveler3711]

Edge HODL This has been going on since the 60s. Nothing new.

[@shazz286]

Educated idiot's is what my dad calls us.

[@elsaromero4743]

You speak nothing but the truth. Jeez

[@elsaromero4743]

@@shazz286 lol 😂

[@AmandaHugenkiss2915]

These people should be researching their opportunities in the chosen field. With everything online it's not that hard. Don't see any jobs in alphabet soup gender studies? Better not spend $200K on that degree lest you end up working at the local shoe store.

[@damianmurphy-morris1941]

If you couldn’t get a job with your bachelors what makes you think a masters and more debt would do the trick 🤦🏽‍♂️

[@memescoper]

That is true the case for some fields though, like hard-sciences. Impossible to get a job without an advanced degree.

[@kellyanna94]

Well, for some fields you actually need to get a masters to do anything with it: social work, counseling, chaplaincy...etc.

[@nessyness1494]

That is exactly why I'm not going for my master. It makes no sense to rack up more debt than I already have. I met someone through a temp agency at a corporate job who had a master's degree, and they were having a hard time finding a permanent job.

[@macneoh7418]

Notice she included child support as her income.

[@macneoh7418]

@Mister Donkey for most women it is. They pop out kids for income.

[@MDM00023]

Mac Neoh what type of woman are you meeting that you even say something like that 😂

[@theAppleWizz]

@@MDM00023 Yep that when you know you are in the wrong group of people.

[@Dreamer-by4nk]

Well it is counted as income when you file taxes.

[@reed311]

Child support is to help pay bills and rent. So that makes sense.

[@candy2325]

A couple of years ago I was in that masters degree mood and wanted to go to grad school “just because” and I’m so glad it didn’t work out. I would have completely wasted my time, energy and money!

[@anitaknight3915]

bravo on that choice!!! I'm at the end of my degree and did this for noble reasons with a scholarship and I still feel it's been a huge burden of wasted time and energy

[@jakepatchogue9478]

My brother is 22. He didn’t go to college. He went straight into the gas utility business. He just purchased his first home, on Long Island (outrageously expensive market). With cash.

[@lipglossed]

This happens way too frequently and needs to be talked about more. The days of "any degree is worth it" are long gone. I know it was really pushed on me and everyone else my age and is a major factor in the student loan crisis. Half the people I know regret what they studied after they entered the workforce or regret attending at all because of their loans now.

[@boxelder9147]

Did you attend college in the 80s?

[@SMBrandon24]

I have a BA in Criminology from Ohio State... Don’t get a Criminology degree

[@donnaroberts4513]

Why did you get an accounting degree?

[@Jen1112111]

You always got someone like Donna trying to add her 2 cents

[@griseldacabrera4024]

criminology BA in Texas gets you around 48k entry level

[@ilexevergreen5405]

@GrisC - doing what?

[@griseldacabrera4024]

@@ilexevergreen5405 Social Work

[@Essays4College]

Too many people, particularly young women, feel that they need a GRADUATE degree in order to keep up with the Joneses. It's almost as people feel inadequate if they don't have an advanced degree. It's a foolish and very costly assumption!

[@braceyourselvesfortruth2492]

Wow. This. Women who are ambitious are more likely to pursue higher levels of education rather than go to trade school. It's absolutely hurting them more than their male peers. It's almost like a master's degree is their life qualifier in case they don't make any money with it.

[@ak47ava]

Did she say 60k for masters, just to get it?? No use. She just wants to say she has a Masters 😂

[@NickPeitsch]

A masters is useless unless you NEED higher education to get into a career like becoming a professor!

[@ak47ava]

@@NickPeitsch not true, alot of high paying jobs in tech like Data engineering, Data Science require you to have a masters degree. Even in petroleum and chemical engineering Masters pays about 20k more per year. But that is only in STEM careers.

[@stevemyopinion423]

At least that would make sence, I going to get my master for 50k WHY becosue my company will pay me 20 k more a year for it. ok that make sence.

[@braxxian]

Universities love people like her. They are 60k richer and she has a masters that is no good to her, guess who won.

[@Fishouta]

Living life with no intention.

[@Fishouta]

Caller: "I wanted to go to law school but couldn't afford it, so I did a masters in criminology instead". Dave: "To do what." Caller: "I'm not sure." 🙄 🙄

[@choreomaniac]

She couldn’t afford the criminology degree either. And they do grant loans for law school too. I think it’s that she couldn’t get into law school.

[@turtleanton6539]

Expensive

[@Account1131a]

Did Dave really say that making 50k a year is less than what a high school graduate would make 🤯 I’m over here thinking that’s a pretty decent salary 😐

[@pagpablo]

He was thinking of 35K at the end of the video. He got confused when she said 39k a year at the beginning of the video.

[@elsaromero4743]

Not in California. That's living paycheck to paycheck if you are not financially literate.

[@David-fw4ly]

Remember that the 50K includes child support and renting a room in her house. Dave assumed that her income from her employment was about 35K, so that is the number he was referring to when he said a high school graduate would make.

[@genalee5211]

Kelly J I hear you 😁 I’m making $56k I’m very grateful for my pay especially when I remember making $4 an hour☺️😌 have an awesome day Kelly J🙏♥️

[@prepordietryin9119]

$50k is pretty good in NC.

[@jayrider2726]

I met a woman who collected child support for 18 year's. She got pregnant again in her late 30's from another sucker to continue her life time journey of receiving child support money. I found out child support is tax free for women. I really believe that our entitlement system of suing men should be a crime. I've never been married or have kids and encourage men to be very careful with the mindset of women today. I'm sure the courts will start making men feel obligated to pay for these student debts these women have simply for dating them.

[@turtleanton6539]

😊

[@alexisjankowski3281]

I like how Dave said she has the potential to double that. It’s so encouraging because the caller sounded a little defeated, but she is on her way to financial freedom!!

[@andreakumar2984]

I hate studying! Guess that keeps me safe from unnecessary degrees lol.

[@mc95897]

Paralegal certificate would have worked. Costs less money, legal field, and also get paid more than the criminology masters would have

[@thinkmackay8954]

Dave, I know someone who got an online Master degree in library science for $72,000 in debt, and now can't find a grocery store clerk job!

[@Kysen10]

60k for a piece of paper she isn't using.

[@NickPeitsch]

Kysen10 rough times

[@thewifelife007]

A very expensive piece of paper.. I'm happy to be a college dropout.

[@cameronsantiago3155]

@@thewifelife007 even worse. You paid and didnt even get the holy paper

[@thewifelife007]

@@cameronsantiago3155 Didn't spend no where near 60k... The most I spent was $4k and quickly recovered.. I'm glad I didn't continue to waste my time..

[@Ckcdillpickle]

@@thewifelife007 I'm happy to be a high school dropout :)

[@JohnDoe-fi9yh]

Can't you get a job as a parole officer with that degree. Look into that

[@insideoutsideupsidedown2218]

John Doe yeah, problem is, you still start pit at the bottom of the ladder. Most people think that they have a masters, therefore, my minimum salary is 100k.. Good luck with that.

[@JohnDoe-fi9yh]

@@insideoutsideupsidedown2218 I know someone that was a parole officer and started at 40k but after a year or two it jumps to 50k. Point is that at least it will make more money and it will be in a career in the area she studied

[@Akaff-n7l]

She should be a police officer somewhere she can top out her salary in a few years. With a masters she should be desirable for hire. This could require a move though. She’s in Florida, Tampa PD salaries are pretty good. But then again, with her level of smarts .. not sure she would be a good cop 😭.

[@JohnDoe-fi9yh]

@@Akaff-n7l true, but being a cop is not easy. Off-shift schedules, physical, stressful, and still have to go through an academy. The PO may be stressful at times, but it's first shift and not forced weekends much. It also takes place behind a desk

[@lamingtongirl123]

Johnny Five who is we because it’s not I Sir id rather date an accountant because they make more money.

[@Not_A_Hopeless_Romantic]

A master’s in Criminology can be beneficial for certain careers (e.g., crime analyst, government positions, researcher, instructor at a college or university). The two main problems is how she went about getting her degree and not marketing herself well enough to get a career in the field. In graduate school, you can get assistantships or fellowships that pay for your tuition. These positions provide the student with the opportunity to work directly with a faculty member to gain experience and to serve as a mentor. It’s important that people network and seek out opportunities to pay for their education that do not require taking out so many student loans.

[@yihe126]

Why does everyone get in debt due to student loans? There should be some federal requirements disclosing employment and salary after graduations.

[@MithosDagon]

Good lord, reminds me of my brother. He was in college for a while getting a degree in chemistry, then couldn’t get a job with it. Then he went an got a masters degree in business intelligence despite my warnings on it. I asked him to look for a job at a company, build experience and see if he could use his degree to get “minimum bachelors degree” jobs. But he went for the masters anyway saying that he knows someone that can help him get a job because it’s a “growing” field. A year prior to graduating, I asked him to start seriously job hunting...and he said he’d be fine. Now he’s been out for atleast 2 years and still can’t get a job with the degrees. Now he realizes that he should have been building work experience the whole time. He is 36 and still can’t get a good job.

[@nickmaestro]

That's unfortunate, hopefully he's not down in the dumps. I got accepted into graduate school shortly after my undergraduate. I decided to postpone it 9 nine years for two reasons: 1. work experience 2. PAY OFF UNDERGRAD DEBT! Please keep praying for your brother so that he has motivation and can get on his feet. I'd hate to see him depressed. I know many friends my age in same/similar situations.

[@gangatalishis]

@@nickmaestro im gonna keep it real wit you chief, he probably is depressed and struggling. I wouldn't be so happy in debt and with a degree i worked yesrs for that ended uo doing nothing for me. This is why we do research tho.

[@roxcyn]

What is business intelligence? Can't he work for his university?

[@MithosDagon]

roxcyn It is in data analytics. It is a field that has a lot of openings, but most employers for this role care more about experience than a degree. Just like where I work, most of the people I know that do the role don’t have a degree...they just happen to be experience in the market that they cover.

[@MithosDagon]

Nicholas Emanuel Wheeler Thanks. I know my wife and I have been having him over for dinner quite a bit, and I bring him to the professional networking sessions that I get invites to.

[@dexterm1285]

Atleast it wasn't the super expensive tuba degree...

[@TheMariamHabibi]

I know where her thinking possibly came from. I had a teacher in middle school who showed a data chart with income rising with each degree earned but there was no explanation to backup the data because it was just picked up off a website. I don’t remember the teacher explaining about the importance of gaining the Master’s degree in a field of expertise either, as opposed to just getting a Master’s for the sake of it. The Master’s degree matters upon employer needs when it comes to making money.

[@SiCVoltage]

She just paid off a $12,000 credit card debt and called back to be in more debt. Shaking my head. Why would get a degree and not use it. I pay off debt to be out of debt. Thats the point Mr. Ramsey teaches. Maybe she is just confused of what her calling is.

[@tanjungretnowigati6898]

I moved to US (from the Netherland) few months ago. Most of my US friends told me that they have student debt (still a lot of debt even though they have been working for years) & somehow i feel so sorry for them. In the Netherland, My husband took student loan for his Bachelor & Master only €10.000 (€2000/year university fee, for 5 years study). He got train & metro “student” card for free to commute from home-university. Paid off the student loan within 4 years, with only €80 interest in total. Cheap & very low interest. I dont know whats wrong with US system but def something is not right when your own citizen cant afford an education ☹️

[@Cahluvca]

U.S. system = greed at the expense of the citizens!

[@lamingtongirl123]

The system is like that to price certain people out aka people of color, minorities. Wealthy upper middle class Americans can afford to pay back the debt. This was designed to perpetuate the wealth gap in the US and it’s only getting worse.

[@tanjungretnowigati6898]

Sebastian congrats! Thats a cool journey & indeed you do have a great personal decision. But somehow from your story, you convince me more about my point that “something is wrong with US education system”. Again, compared to Netherland where the education is very cheap there (around €2000/year even in top university) & the interest for student loan is crazily low. Therefore as a citizen, you dont have to sacrifice that much to enter university. Education is accessible for everyone. Ppl dont go to uni because they cant afford it, but more or less because they dont want to (ie: dont think university degree is for them, dont enjoy study, etc).

[@WCGwkf]

@@lamingtongirl123 wow you are full of bias lies

[@JC-dc7eb]

in july of 2010 barack obama created a new way we do our loans, now they go through the treasury, where they literally print money. Theres no more background checks, no credit check, no employment or income checks etc, so anybody can get any amount of loan they want in the name of education.. Also now the money is all backed by the federal govt so there is literally no incentive for them to ever lower the costs, hence why they keep skyrocketing up. They know they will get the money no matter what.. Even if you have no chance of paying it back in 20 years. Its awful and college in the usa is pretty much a straght scam, unless you are getting a stem degree or only a small handful of other degrees.

[@equisader]

I didn't get through my masters interview. Best thing that ever happened to me. Would have been more years and money down the wrong track.

[@mormril]

Dave Ramsey: "...So, you went $60,000 in debt just to get it?" Woman in defeated voice: "yeah". This woman so badly needed some wise counsel before she made such a bad decision.

[@handleyobusiness]

As a marriage-minded man, these are one of the top women I avoid. Women in large amounts of debt, especially collections debt. Her credit will be bad for years and years.

[@blackestknight1.0]

Smart man. This is why you have to watch them and ask questions.

[@handleyobusiness]

@BLACKest Knight Yessir. The evidence tell you clues. Even without asking, two ways I found out about my ex’s bad credit was that she complained about her wages being garnished, and needing a co-signer for a car loan. Any guy would be brain dead to marry into that nonsense. 😅

[@TheCasualGriller]

Dont forget she said child support, as in she has a kid or kids too. Not saying it's a bad thing, just baggage most guys dont want either.

[@JonnyBeoulve]

"Marriage minded man". Ya, you're just asking to get robbed.

[@handleyobusiness]

@JonnyBeoulve The signs are usually there. A woman that loves money too much or bad at managing money would be the type that takes a guy to the cleaners.

[@sidharthchand8072]

She should’ve got a paralegal degree if she couldn’t afford to be a lawyer

[@AdamWatt00]

Nah RN degree...

[@PassportBrosBusinessClass]

I have TWO MASTER'S DEGREES. #1 I got a scaholarship for. 5years indentured servitude and it was free and clear. #2 I paid $17,000 out of pocket. $450 per credit. To be perfectly honest, 18 of those 36 credits were FLUFF.

[@benjones621]

Working on my second one now. All tuition paid, and a monthly stipend, thanks to 3 years of military service.

[@insideoutsideupsidedown2218]

Bigtruckseriesreview Motorsports were you able to enjoy "Intro to humanities" boy o boy, wish i could take that one again....

[@insideoutsideupsidedown2218]

Johnny Five yeah, i had intro to humanities, and a bunch of other garbage courses. I wish they would have provided a "Intro to watching paint dry" it would have been more interesting....

[@benjones621]

@Johnny Five my MBA program didn't have any junk classes like that. I'm doing a MPA program now and it's rampant.

[@nickmaestro]

I'm single, early 30's, live below my means, no debt, paying for my Master's out of pocket, etc. Ladies could be drop dead gorgeous, but absolutely no. It's 2019. Cost of living is too high and rising, and I'd sleep better married to a lady with fiscal responsibility and dedication. Doesn't have to be making a 25k salary or wants to be a stay at home mom, just be a good steward. Good luck to this woman nonetheless.

[@candy2325]

Johnny Five they’re out there

[@pawsnotclaws2772]

Johnny Five lol I’m one, kinda, I’m in a relationship but no kids and no debt

[@kashfortheking]

Johnny Five if she’s prepubescent 😂😂😂

[@DOUBLE0SEVUN]

Candice Dodd I’m losing hope

[@AMK544]

Johnny Five my fiancé found one 👋🏻 change your attitude and you might just find one too

[@quincg7546]

and people wonder why I didnt go to college, I'm 21 and I will choose alternate routes to success

[@rayn1ful]

why are credit card companies so friendly when they try to get people hooked , yet so unfriendly when you owe them money , its almost like they are trying to make a profit, but they say they care about people.

[@AaronHernandez-xv4qh]

Everyone putting her down but are probably in the same if not worse situation. Rather than bashing her, maybe suggest something that can be used to help.

[@Bigshiesty1]

Aaron Hernandez she can help herself

[@insideoutsideupsidedown2218]

Aaron Hernandez ask for a refund and go take courses in the STEM field, something that is actually brings value to the market.

[@AaronHernandez-xv4qh]

yukon marr yeah that makes sense..all the callers can right

[@TLM860]

You're right! She can go to Northwestern University for a Marriage and Family Therapy masters!

[@skunkycatog]

Man, this is what happens when you let social media dictate your life.

[@mikemcallen2212]

My wife graduated with her Bachelor's in 2018 and wants her masters. Her degree is in Microbiology. She has a little over $100k is student loan debt. I said she can go for it in 5 to 10 years. That we need to get her students significantly lowered or 100% gone before we go that route. She didn't like hearing that but she understood that we can't continue throwing money towards college

[@sopascat7]

Someone I use to know got a MA in Christian Missionary. She was a Caregiver & was wondering why she wasn’t making more money. I told her that her degree was not related in the medical field. She still believed her MA should give her a big raise as a Caregiver.

[@crimsonite1524]

it should be illegal for a school to offer an MA in that, and if theres an MA there must be a BA for it too, that should be illegal, there cant be a degree in christian missionary it doesnt make sense

[@aaronwatts12]

That’s unfortunate my getting mine in psychology Christian counseling and my masters in pastoral counseling to become a hospital chaplain.

[@uthmanbaksh3530]

My mom still wants me to get a Masters in Psychology. Luckily I got turned down for that and am now have a certification in IT and going into that career path. Way better than going into debt for a degree I may not use.

[@TheLuisgrijalva]

What certificate?

[@aswinprasad1011]

There's nothing wrong with getting a master's, but don't get one right after your bachelor's degree. Most companies care more for experience/skills than education.

[@sangheeozuna3894]

I spent 18,000 for my Master degree. I didn't have to but for my CPA exam eligibility, I needed 150 credit hours so I decided to go for my Masters. I paid off thou

[@NoLimitLonzo]

Definitely didn't need a Masters degree to become CPA eligible but even if it was required you're going to make really good money if you're a competent CPA. ROI is high on this move. Hope you're doing well and great job paying off your Masters degree.

[@sangheeozuna3894]

@@NoLimitLonzo you are right I didn't have to go do my master's fory CPA. I am doing great thou making a good money due toy masters. It made a little smoother when it comes to promotion.

[@tylerhern9060]

2 sides of the equation. Income or expenses. Looks like hers was the income. Ive been watching dave since he was introduced to me in my high school now.. 5 years later.. still watching. Love the advice & perspective. I produce my own content about finances now. Believe it or not, dave made me realize my passion....

[@jjuniper274]

I took out a 7k student loan on a master's I don't use, but I paid it about a decade ago.

[@andreyv1]

Masters degree and makes 50k a year INCLUDING her child support... lol

[@DaysonFeliz]

Andrey V including renting a room

[@thewifelife007]

That's sad

[@fredericksharon6908]

Laughing at others suffering. Ur mama should be very proud of u

[@alvojnikovic2171]

Frederick Sharon it’s okay to laugh at idiots who get themselves in these kind of situations

[@fredericksharon6908]

@@alvojnikovic2171 okay noted..

[@ashleyjones5396]

How did she plan to be a lawyer but can’t find anything in the Criminal Justice field with her Masters?! 🤦🏽‍♀️

[@realazduffman]

"So your criminology masters is not turning into income?" "No" "Why not?" "Well, it is not a marketable degree it is a fluff degree."

[@NicoleHawthorne]

😂😂

[@AC-os1he]

The thing is its actually not shes just dumb

[@esonon5210]

There's this outdated belief that getting a masters degree will open more doors, my parents pushed me to get one because they had the same mindset as this lady. Thank god I didn't listen.

[@tpmarkham]

My X used to say you were nothing if you didn't have a degree. I never got a degree and make twice or three times what she ever made.

[@thewifelife007]

Facts!

[@marcellowheeler88]

People love to brag about how more women are graduating college than men. I wonder what % of them are like this chick that called in..

[@rosem5361]

I have one degree already which I paid $0 dollars for. The only reason im back in school at 32 is because my job is paying for all the courses lol

[@TheBlackDorothyZbornak]

She couldve gone to a state law school and ended up with the same debt. She should go into corrections, one year of OT and she could wipe out that debt

[@justfine77777]

I hate to say this, because it’s not nice, but you can’t fix dumb.

[@anthonyb2990]

I’ve heard criminology is one of the worst degrees you can get..

[@MrOfficer235]

She needs To get a job with the Feds. Homeland Security, FBI, ATF etc

[@josecavazos1869]

@@MrOfficer235 you need experience for that lol

[@jairoherrera4040]

@@josecavazos1869 That will never happen as long as they give her the run around by denying an opportunity to START building experience.

[@TheMichelex20]

She could have gotten a paralegal certificate for less than 5k and made over 50k in the legal field as a paralegal. I wish I could have met her before the masters so I could have helped.

[@sarahconner9433]

Oh Mickey.....your sweet....but it's like a slow motion car wreck....you wish it didn't happen..but it's high entertaining

[@NoDebtButLove]

It's okay Lynn I just got a master's just to get it too.

[@Vlfkfnejisjejrjtjrie]

But are you in as much debt as her? I don't think the masters was the problem. I think it was the bad investment move that was the problem. If she was out able to pay for it out of pocket, no worries.

[@larrybud]

It's NOT ok when you're 60 grand in debt.

[@NoDebtButLove]

@@larrybud just providing encouragement. I completed graduate school owing over 85k. I'm at 13k after 8 years and 2 kids. Just here to encourage and motivate, because debt is possible to overcome.😃

[@NoDebtButLove]

@@Vlfkfnejisjejrjtjrie I came out of grad school owing over 85k. I'm at 13k after 8 years and 2 kids. Just here to encourage and motivate, because debt is possible to overcome.😃

[@anitaknight3915]

@@NoDebtButLove what was your degree in? congrats brother you're paying that off is very inspiring for others to never give up and that they can too

[@NickPeitsch]

Going for a master's or higher education because you can't find a job after a Bachelor's is a total waste of time. I know SO many engineers who have done this, and it only puts them in more debt!

[@BLACKAAROW]

@investing engineered, agreed I have a bachelors in geology and found a job a few months after graduating, getting a masters even in a STEM field is not worth it or necessary unless you plan on doing research for university or the government or plan on teaching

[@NickPeitsch]

BLACKAAROW yes exactly! And research is pretty useless if you wanna make money

[@martinr4549]

I’m so thankful to the Lord for freedom from debt.

[@l9878]

This why I don't believe that the government should fix all this student loan debt people are in. She got this just to get it and can't even use it. I got way more in student loan debt but I am a nurse practitioner and am working in a poverty area so I am eligible for National Health Service Corps student loan repayment and I make a great wage. Why should we use tax payer (like my) money to bail out people that can't manage their money? That should be stupid tax.

[@lamingtongirl123]

I think we should just start lowering the loans and tuition rates at schools for future generations. I still have some debt but I’m only with future generations graduating with less.

[@trebmaster]

Lynn, did you know that if you actually take Dave's advice, you won't have any reason to be a repeat caller again?

[@happycurls4086]

She got a master's degree just to get a master's degree. Shes not dumb. She just needs direction. As soon as she gets a vision she'll make way more money.

[@christinebutler7630]

I went to graduate school (in a marketable field, and working my way through) with a woman who was a housewife, married to a doctor, who just wanted a doctorate so she could be equal to her husband. But, she still wasn't going to be bringing home any serious money, so she still wasn't going to have any leverage in her marriage.

[@sb9017]

I'm getting a master's and I am 25 right now and have a semester left. I have a similar amount of debt. But I am getting mine so I can get higher positions since a master's is a requirement for those positions. I'm not worried. My Master's will have been worth it. But don't just get one to get one. Get one that you will actually use in your job or future career

[@sunnyk2723]

I know someone who had a BS in food science and a PhD in Business, she works in a warehouse, sometimes it’s not the degree but the person... smh

[@mitthrawnuruodo1730]

This was the reason I went to college and got over 10k in debt from one year! Never again...

[@andreasswahlstrom4725]

6,8 % APR😱 the APR on the student loans in Sweden are 0,16%.

[@GardenerEarthGuy]

What's wrong with $200,000 student loan debt if you have a Masters in Basketweaving?

[@Jeff-xy7fv]

Especially if it's underwater basketweaving!

[@GardenerEarthGuy]

@@Jeff-xy7fv That degree is $350,000 @ 19% interest, but you get a minor in Shamanism...

[@coniccinoc]

My advice. Run for public office. You have a Masters in Criminology degree, become a legal master criminal.

[@rminitials]

"You're the secret sauce to your success" That has to be one of the best quotes I've heard...

[@alainl1211]

Dave says some weird stuff sometimes. Double what she is making, in 2-3 yrs, with zero experience in that field.... JUST because she has a masters? I think not. And I dont know many highschool graduates making 50k lol.

[@gangatalishis]

The 50k is including the child support payments and her renting out a room. Im guessing that her husband was the bread winner.

[@andreyv1]

Alain Leon this chick makes closer to 35k not including her child support, so yes, high school graduate range

[@Aku112811]

I only have a high school diploma and make 60k at least... since 24. Still tuff though. I’m the bread winner wife doesn’t work (yet). Newly wed, California isn’t cheap. I plan on getting a degree to get a better job. Engineering is where the money is and it’s only 4 years but it takes a lot of math.

[@Mario22149]

You never met a tradesman? I think many of you are the ones out of touch.

[@abdallababikir4473]

Im a highschool guy making 20k working just weekends and summers... 40k is too easy just driving if I work fulltime

[@christopherwilcox9654]

I did the same thing with my undergrad. Paid $70k ‘just to get a degree’ with no plan. Stupid with a lot of zeros attached to it.

[@lotuswolf1518]

Major in what What are you working as right now

[@johnfroelich8554]

Sounds like she was going to school while waiting for somebody to bail her out...

[@Kingchris0489]

Simple solution for her is to apply to be a college teacher with that degree she will make more than whatever she’s making now

[@StephA21319]

Not necessarily. At a 4 year university usually a PhD is required to be a professor. And it often pays under $50k, especially to start. (I’m on the faculty of a 4 year university.)

[@claytonbill]

Getting a degree without direction; I'm guilty. Be in the field, get that master's. This caller can get a lucrative job with a criminology master's. It will take time. Be bold, know the real range of salary when you're interviewed for that new job, ask for a reasonable amount. It will come.

[@bk_deltor9155]

so in 8 months we should expect another call for some other debt she's accrued out of impulse.

[@campuslife11]

I'm sure she will find a sucker to pay this mess up for her... Ridiculous!

[@QAX300]

This is what happens when you grow up hearing go to school get a degree, and land a good job without context. A Masters in Yodeling is worth less than a 2 year Nursing (RN) degree, or 2 year tech degree with a certification.

[@nk2682]

She should teach. It is one of the only fields you are paid for your education. Plus a background in criminology will help with classroom management.

[@stephenshelton4267]

Someone was a fan of the CSI shows and thought it would be superfun to get a masters in criminology. Paying off the loans? Husband will deal with that. Oops he's already gone.

[@crimsonite1524]

LOL its literally every kid ive ever asked why she wants to be a criminologist, my little sister had friends like that and they influenced her to become one too, but she changed her mind when applying, thank goodness

[@deadmanavir]

Blame the education system at the high school level - they prepare you to join college/university, but leave out the why/how/what purpose... She likely finished her Bachelors and jumped ahead to do her Masters right away. That's why work experience is important, it teaches you some important life skills.

[@wmurray003]

50K plus other income. That's not that small of a shovel.

[@joshuasir_prodijay4540]

I swear these videos always make me feel even slightly better about my own situation. I don't plan on getting married at least for another 10 years so I can focus on my personal development, my career, paying off my debt and other things important to me. Whenever I do decide to date again, I'll definitely make sure to do my background checks to avoid women like this. I've already had to break up with a previous partner because I felt she would hold me back and be a burden so I have no issues with being single as long as I need to.

[@Vlfkfnejisjejrjtjrie]

👍👍👍 Good move!

[@chocolatecuban]

Smart move, I feel the same way. Just recently cut off a guy who was 34 and still at home with his parents when he bought a brand new 40k truck. Dodged a huge train wreck.

[@gebhardt2]

I think maybe this lady is not very employable. She's not making much money for a reason.

[@NickPeitsch]

Gebby the masters probably won’t help either!

[@whiskers78753]

I was thinking the same thing; Dave thinks everyone can be as clever as he is.

[@Fishouta]

Imagine her interviewing skills: "Why do you want this job?" "I'm not sure."

[@sopascat7]

@ Karen, LOL!!! .. “Why do you want this job?”, “Cause Dave Ramsey said it would get me out of debt”.

[@evenbiggeral5089]

“Just to have a job” 😎

[@Mramire]

“Our discussion here is all about your shovel”

[@wereadaton]

I have a Bachelor degree in social work working in a nonprofit organization in Eastern KY making 25k a year. This area sucks. Its either medical field or mining.

[@run4cmt]

I have two master's degrees and did not pay for either one. I used the company tutition re-embuirsement benefit., I just had to pay for books.

[@eakerjack]

Hello everyone. You do not have to pay 60,000+ to get a decent education. I’m 20 years old and will graduate soon from Western Carolina University. After high school I went to a community college and got my AA and the transferred. When it’s all said and done I will graduate debt free with very little help from my parents. It has cost less than 6,000 dollars with EVERYTHING included. If anyone is considering college, there is definitely cheaper options for people to consider

[@hannahheartsbooks6]

I took out $33K to get paid $39K because I’m a teacher in Oklahoma. The goal is to pay it off in 3 years including my husband’s income.

[@h.e6604]

Come to Texas. Avg salary for a HS teacher is around 60-70k

[@sethmaule]

Learning while you’re in school would help. The paper doesn’t do much for you if you don’t know how to do anything by the end.

[@munchmafuziquchi2965]

God bless u Dave. U must be having some sort of a positive impact on this new great economy.

[@noncustody]

That child support money is keeping her afloat. Once that's is gone she'll be broke until she finds some smuck to knock her up to continue the income flow.

[@JTDyer21]

Unfortunately this is very common. Most people go into debt for degrees they never use. Schools get rich while students go broke. It's a shame but most students fall for this scam all the time.

[@wolfofdubai]

This debt crisis getting out of hand. Let me call my banker.

[@safiahu5574]

Wow that is one expensive masters degree, I’m doing mine at the moment. Costing me 18,550 Aud because I applied for a scholarship worth $6000 but its to upskill within the area that I work. This situation is crazy!

[@frozentundra7446]

2:21-2:24 Dave's facial expression is "PRICELESS"! This call is what Dave mean's by financing foolishness - at 6.8 %.

[@JessicaHicks]

“ you is yo secret sauce” - I love Dave. 😂