My $192,000 Mountain Of Debt Is Overwhelming!

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[@akui88]

i use to live on rice and beans, i now live off of rice and chicken, i hope to be living on rice and STEAK in the future!

[@patricemurray6412]

🤣🤣🤣

[@lady56725]

akui88 😂😂😂

[@kzamora2548]

Add some veggies too!

[@ECmom]

Lol

[@mrjsanchez1]

@RaFari1119 Bee , but you will still have $190,000 in student loan debt!

[@ChrisMFlorida]

$128/mo to pay off $135k... that's gonna take like 413 years.

[@leahmcdermott4189]

Chris Vandernaald 😭😭😭😭😭😭😭😭💀

[@phillipstrimbu3631]

About 88 years😂

[@1redrubberball]

@@phillipstrimbu3631 It could never be repaid unless the interest was suspended.

[@jakechizzle007]

That's crazy when they're done they still have to pay off the principal.

[@phillipstrimbu3631]

1redrubberball yeah you’re right I wasn’t even including interest. Paying only 128$ a month the balance mathematically will never decrease if you include accruing interest

[@robroberts1473]

"we have 165k student loan" Million dollar student loan guy: Amateur.

[@Dr.C_Stag]

rob roberts True, but his shovel is more than 4 times their combined income and he JUST started. If million dollar student loan dude lived on $35K a year like a police officer or high school teacher, he’s out of debt in 5ish years with no increase in pay. It was stupid to go into that kind of debt, but let’s just say if they both lived on $35K annually, proportionally speaking: $192K/$25K= 7.68 years. (PhD) $1000K/$215K= 4.65 years. (DDS) (Doing Dave Ramsey math with no interest or taxes) After both are out of debt, Dr. Million dollar loans is going to be making $250K a year and Dr. Dumb Political Science PhD will be making $60K. Moral of this story, yes debt is dumb, but this dude takes the cake of stupid. Not only did he go into a bunch of debt, but he went into debt for a stupid job with little to no market value. Our institutions are pumping out PhD’s in all the stupid stuff right now and hyper-saturating the marketplace with useless PhD’s. Million dollar student loan dude is way ahead of this dumba$$.

[@shantellehall6614]

Lollll hilarious

[@ytyt3922]

The million dollar student loan guy is an orthodontist. He’ll be pulling in $300k a year. This lady’s husband is a big nothing.

[@gilbertgonzales7833]

Average city salary for cop is 100 grand. Plus lots of overtime. Where did you get the 35 grand salary

[@seebelieve5899]

Hahahahahha love it

[@megpeg8910]

Whenever I debate in my head if I should buy something, I hear Dave's promo music in my head and put whatever it is back on the shelf. Scary.

[@adfmo2195]

Hahahahahahahaha!!!! I love this

[@PeaceDayCortez]

Meg Peg 😂😂😂😂😂 me too 🤣

[@Maxdouble07]

Haha haha 😆 this was a underrated comment! Thx Meg!

[@sussannekeith5676]

After 5 layoffs I do now..... paying cash for a townhouse, pay car and moving forward.

[@msims1081]

😂😂😂😂😂😂😂😂😂

[@patty109109]

$135k for $40k year Income for him and his dream is to teach others to make the same mistake :(

[@UnknownUnknown-tu3be]

Irony

[@nealkelly9757]

@Jessica Smith What's his household income?

[@staceystrukel1917]

Really? He can make much more than that as a college professor and where did you learn that a political science leads you to nowhere.

[@tylerseger6718]

@@staceystrukel1917you have one too😂😂😂😂😂

[@upendo2]

I’ve been a professor for 10 years. Still not earning 6 figures. Even with my Ivy League degree. Unfortunately, he is not likely to “pop into” a six figure job right from grad school. He will be lucky to earn 70K.

[@pep590]

That's what I was thinking too. Thanks for the update info.

[@darbyohara]

Political science and English 🤦‍♂️ and 192k in debt. Great education choices 🙄

[@nathand.9969]

The debt may have been more educational than the degrees!

[@micahwatson9017]

College exposes how stupid people really are...in more than one way. 😂

[@fsmoura]

2:35 _My husband is a doctor . . . but not actually a real doctor._

[@mecheckraise]

Classic. And don't forget he wants to teach others. It is his passion.

[@garyodriscoll7988]

You just know she says that all the time! For political science?? 😂😂

[@ECmom]

I don’t understand why she had to say it like that. Just say either my husband has a PhD in political science or a doctorate degree in political science. Just because people have a doctorate degree, that doesn’t make them a doctor.

[@DisabilityExams]

He's a real doctor, but not a medical doctor.

[@ECmom]

JDave Foster if you really want to be technical and argue about it, you are free to do so but a nurse or a physical therapist who has a doctorate degree won’t be going around and saying they are doctors (hopefully not)

[@elmateo77]

"My husband is a doctor. Not the kind that makes money, he has a doctorate in political science." That's what I heard when she spoke...

[@DJTonySchwartz]

Technically, it’s not that bad compared to the gentleman with $1 million in student loan debt...

[@XXgamemaster]

Tony Schwartz LOL. I was just thinking of that. But I disagree. That guy is an orthodontist with a 250K income. I think his prospects of paying 1M with that income is slightly better.

[@whizzyproduction]

I don't feel 2 bad about my 100k loans

[@phillipstrimbu3631]

Yeah I saw that! I just don’t understand how it adds up to that much? Like prestige school are like 50 to 65k and after 8 years with no financial aid it still doesn’t add up close to 1 million.

[@BuckI2Bdad]

@@whizzyproduction Sure makes my 15K look like pocket change

[@ReddingRed]

@@XXgamemaster Not to pick nits, he said Orthodontist with a DDS not MDD.

[@MrOfficer235]

What a horror story. This basically proves that college is not always the best route to go. Unreal.

[@anthonycbrown1952]

Anyone believe they are living on rice and beans? She is very good at spinning a story but the numbers tell the true story.

[@digitalbrand5510]

Anthony C Brown I look for the flatulence

[@67NewEngland]

Anthony C Brown - maybe the rice and bean salad from WholeFoods is more likely.

[@1caramarie]

@@digitalbrand5510 Only an idiot actually falls for flatulence from beans.

[@1caramarie]

My son, who graduated 3 years ago, as an engineer did. He also added tortillas and we are not Mexican. Graduate with a whole $10,000 of debt. The closest to partying was going camping, in the mountain behind where he lived, with his sleeping bag and tent. My daughter who was older graduate with zero debt and all kinds of free money, by spending hours researching book in the library. I graduate with two doctorates with zero debt. Lets say we got a LOT of free money, between the three of us. (Different era for me.)

[@HollowHill17]

i suggest living on oatmeal... it is much cheaper.... buy oats and water... put in a microwave bam oatmeal...

[@frankiesmom8478]

Why go into debt for degrees like this? Did they honestly think this was worth it when they were signing up for these loans? I would rather work full time for Uber then pick a major like either of those...

[@scotttracy9333]

They wanted the college experience, but too lazy to do a demanding subject. I met people like that in college, partying, while I'm struggling keeping up with my engineering coursework.

[@mikehurt3290]

Probably becaus like millions of other they were told to follow your dreams and the only way to be successful is go to college get a degree and that would be enough no matter what degree you got

[@chelsea6339]

This show has taught me to be grateful. We always feel like our lives are worse than others. I have a student loan of 5500$ and I felt overwhelmed. That is nothing compared to other people who call here.

[@brandonkennedy1047]

I have 2500 and hate my life

[@ianstephens333]

@@brandonkennedy1047 You guys are wimps

[@turtleanton6539]

Indeed😊

[@sobc2737]

I bet her husband walks around with his shoulders high because he has a PhD.

[@JK20239]

Hes a doctor...lol

[@ReddingRed]

Piled high and Deep

[@oliverweldner8704]

Well, he should.

[@sobc2737]

@@oliverweldner8704 Are you the husband? 😂😂

[@oliverweldner8704]

@@sobc2737 na :D but a PhD is something you should be proud of, in any field ;)

[@minimumwagemoney3258]

Im a fast food manager with no high school diploma and I make $70,000

[@minimumwagemoney3258]

With bonus.. salary is $44k

[@dianedureau4431]

what chain?

[@kimjong-un5562]

@Mister Hand welders earn 38k a year hourly for 40 hours but most work overtime and clear over 60-100k a year . :)

[@NickPeitsch]

I can NOT recommend going for a PhD. Most of the time, you’ll just end up swamped in debt, in an extremely niche industry, without many exit opportunities because employers can’t afford your expertise.

[@cerebralcaustic]

what about a PhD in tuba performance? that's obviously an exception that will pay off and lead to a great career.

[@synthia6428]

It really depends. Debt happens when getting a Masters then a PhD. But in STEM fields you don't pay tuition as a PhD student and get a stipend. One thing my college professor told me was if you want to get a Masters in Biology or Chemistry, apply to the PhD program directly because of the reasons stated above, then after 2 years and you dont want to stay, change your date of graduation and program and leave. You automatically get the Masters (once you defend a thesis) without paying a dime.

[@jamesblanton9785]

Or the employer has absolutely no need for the expertise, especially in the private sector. This couple's future employability is confined to the world of academia.

[@ayeluru]

In India, PhD students do not pay any fee at all. In fact, they receive a scholarship during the period they pursue their PhD. Now, the quality of universities and research facilities are nowhere near as good as those in the US, but you do not hear students going into debt to do their PhD. I hope some solution can be found in the US too.

[@MattSezer]

@@ayeluru In the US, there are many fields where PhD students teach undergrads and not only don't they have to pay tuition, but they get paid to do so.

[@poetryaddict1]

They have literally made every bad decision you can...

[@pkal244]

@NurturingTalents some of the wealthiest people in the world are polygamists 🤣

[@colin1818]

Dave didn't tell them to sell the car. And there aren't any leases in play.

[@TheBaywork]

@NurturingTalents So true. They have only educated themselves in a country like US (where education is so overpriced) and they find themselves stuck with loans. We lose perspective so soon and start calling it a mistake. Thank you, my friend.

[@aeterna581]

Yes, including having kids before paying off this mountain...

[@chuckdameron5626]

Why did he get a degree on something you can not make any money at

[@Da_dctr78]

I have a PhD and I tell everyone I know who has a PhD with big student debt that they should run away from the academic career path as quickly as humanly possible. The private sector will pay you significantly better and faster.

[@countdown2xstacy]

People need to stop keeping up with the Jone’s and start paying attention to the Smith’s.

[@GUTOMOFFICIAL]

"Not like a Medical Doctor, a regular doctor"

[@meghans4783]

I read this in the Regina George mom voice. “I’m not a regular mom, I’m a cool mom” 😂

[@khoado123]

imagine spending 6 figures on tuition to have a career that pay less than half of the debt... i mean is it that hard for people to understand...

[@GamerNRetro]

They should pick up Tuba. Heard that's lucrative.

[@drewkroeker]

Lol I love the memes on this channel :D

[@Vydio]

They turned off the comments for that one ..... bummer.

[@hollyb6885]

That call was CLASSIC.

[@pep590]

@@hollyb6885 That what I was thinking.

[@kathyalex778]

🤣🤣🤣

[@arnezz]

60 K total for the house hold of two people with degrees......? Definitely not a smart career path

[@Bae_mackx]

Yea I have a masters in social work and make way more than their combined income- eeek

[@jeep19]

Wasn't a good move to marry this slag and start having babies with her...who ain't bringing much, except her pile of debt...🤔🤔🤔🤔🤔🤔

[@otisdriftwood6723]

OMG why do people go to college and get these useless degrees I will never understand that the first thing you should do when you decide to go to college for something is ask yourself what am I going to make when I get this degree geez people

[@jillpruett4772]

This guy has not been outside of the education system in his whole life. The rest of us have been learning our lessons in the school of hard knocks. A few knocks might improve the income.

[@colin1818]

A PhD is a "Doctor of Philosophy." The "Ph" stands for Philosophy. So you can get a Doctor of Philosophy in Economics or Doctor of Philosophy in Physics.

[@UncleMichaelable]

My husband is a doctor? No, he’s not.

[@jcarlson2727]

of course he is - it's literally in the title of the degree. PhD, DDS, DC, PharmD, MD, OD, DPT etc... all different skill sets.

[@Yihooni]

Ummm he is a doctor. Not a physician🤦🏻‍♂️

[@edgehodl4832]

Her husband just graduated and wants to teach at college level. So he went from being student to being teacher?? What exactly he is gonna teach without real work experience?

[@donhill1825]

Good, the husband can teach other people the thing with no job prospects & the cycle will continue.

[@BuckI2Bdad]

2 part-time jobs, 🤔 NO! get a full-time AND a part-time at the minimum

[@khoado123]

listening to most of these people make me feel like a millionaire with a 10k emergency fund...

[@kevinhoward4718]

People have to stop caring about keeping up with the Joneses. Best decision you'll ever make.

[@gjmbarusha6999]

I watch Dave Ramsey just to see y’alls comments. I’m content and debt free.

[@joycewright5386]

Me too!

[@edkennedy7952]

Brain power of a baked potato.

[@TylerCummings6]

Weren’t even established with careers and started making babies~ 🤦🏾‍♂️

[@Ali-ws6mu]

So glad I was a rebellious 18 year old with no credit who skipped out on college and lived with 7 roommates when I got my first job as a waitress. I’m now 38, debt free and a quarter of a way to millionaire status. Wouldn’t be saying that if I listened to my school counselors and got an expensive degree for no reason.

[@colin1818]

@Sponge Bob - Maybe. Maybe not. Your financial success has less to do with your income and more to do with your habits. I've seen little evidence that college grads have superior financial habits.

[@johnnyvegas4583]

I like my computer science career very much.

[@Yihooni]

You know there are scholarships right? I didn’t pay any tuition because of a high ACT score. If you’re academically gifted, education shouldn’y cost a thing.

[@kvgolfa]

I got an expensive degree and am a quarter way to a millionaire 2 years out of school lol

[@DustinOranchuk]

I'm just finishing my PhD, but I have less than 1/5th of his loans with nearly as much in savings as I owe. Following your passion and making modest money is fine, but for the love of God, be smart about it!!!

[@wmurray003]

I live on 60K by myself in Memphis and I live pretty good... but I couldn't imagine this with a wife and two kids in a major city.

[@brandonjuber3576]

We need to do a better job of telling our 16, 17, and 18 year old kids to pick a school they can afford and get a degree that is marketable. We have to. A 5 min call with Dave after the damage is done can't fix $135k in debt for a non marketable degree. Just some quick math, but they are only paying $128 toward a loan that is accruing $600 worth of interest a month. In 4 years when they get to it the debt will have grown to $160k and their monthly payment will be $1,700 to pay it off in 10 years from that point. They will never get rid of this.

[@PInk77W1]

Brandon Juber I’m a high school drop out My daughter when she was 18 asked me if I Would help her with college. I said on one condition You don’t get student loans. So now she has a masters degree with zero debt.

[@-Wreckanize-]

Gets a doctorate in philosophy so that students can earn a philosophy degree to eventually teach others about philosophy. If that isn't the biggest pozi scheme ever.

[@ToastbackWhale]

No. A PhD in Political Science. PhD stands for Doctor of Philosophy - philosophy from the Greek for “love of knowledge/wisdom.”

[@eddievang9098]

That's insane, I have an Associate Degree, and I make 95k a year...

[@JK20239]

Doing what?

[@eddievang9098]

@@JK20239 I'm a police officer in Sacramento, CA

[@JK20239]

@@eddievang9098 with a pension and benefits. Being a peace officer has its perks. Awesome!

[@ricardoalvarez5585]

My best friend i was in The Air Force with makes $110K as a Sheriff--with no degree at all.

[@leahtate261]

I also made up to 95000 with an associate degree, and absolutely NO student loans, as an RN. My average yearly pay was less because of different hours, more or less overtime, call pay, etc, but I had no trouble making 60, 70, 80000 with that associate degree in the right field!

[@Je.rone_]

*Once i hit $30k in debt I paid back about $5,500 and started to turn things around.. the best way to to get out of a lot of debt is avoid in the first place*

[@megancarter8653]

🙄

[@Je.rone_]

@@megancarter8653 💪😝

[@zamzamguled9760]

Black Vito - Moneyology period.

[@kellyegeline9823]

Amen

[@gangu11]

Good for her for recognizing issue and reaching out. Makes no sense criticizing her

[@Ant0417]

Hubby: “Honey, we have a mountain of debt, we’re broke and we have no established careers, what should we do??” Ashley: “I know, let’s have multiple kids so I can stay home and we can try to survive on 30k/yr with 4 mouths to feed while we figure our lives out!”

[@larrybud]

Word

[@larrybud]

Everybody does everything backwards

[@laurenletsche1134]

Word

[@micheleD498]

Yup...Sounds about right

[@ddfamf88]

We will live on love😂

[@yayyareaa2997]

Have them listen to the 1 million in debt caller lol

[@JK20239]

What is that suppose to do? Dave couldn't help the guy.

[@67NewEngland]

Listening to that $1 million call will just make them think they aren't all that stupid after all...but they are.

[@Vydio]

@@67NewEngland The million dollar caller had an income good enough to potentially pay the debt off. Don't know if this applies to this caller.

[@yamamancha]

People who paid for their Poli Sci PhDs are already out of the market for competitive positions. He's going to have to leverage that degree by starting a blog, YT channel, private consulting business, and writing career while taking tutoring jobs to pay the bills. That 6 figures Dave talks about is for 20-year veterans from a different era. They need to get creative or they'll be poor forever.

[@scotttracy9333]

She may not stick around too long if he's never going to make serious money

[@PInk77W1]

When I had a $27.5k. cc balance I had not yet heard of Dave. But I knew paying it off was going to be a war. Now I’m all paid off and cut it up. I will never borrow a dime again

[@gr8macaw1]

2 useless degrees and he wants tenure at a university good luck

[@Naturefan354]

English degree isn't useless but it doesn't make sense to go that much into debt to get one either

[@drfeelgood3073]

Clear example of: Be careful who you marry. Clearly these two are weak in smart financial decision making. Ladies and gentlemen BE CAREFUL WHO YOU CHOSE TO MARY

[@Jdonaleshen]

I can’t breath listening to those degrees and that amount of debt.

[@kathope4484]

At least you're not Justin from Colorado...

[@Daniel-fi6kw]

Or Justin from Florida on yesterday's video with the $1,000,000 student loan debt....

[@canman5060]

Or Justin Trudeau from Canada ready for another round of trillion dollar debt !

[@Scorpiomaj27889]

@@Daniel-fi6kw At least Justin with $1M was making some money.

[@jaymacdonnell4730]

I couldn’t even imagine living in Colorado. Eww...

[@Wajz3]

Jay MacDonnell Yea one of the most beautiful states in the US and one of the lowest property taxes. Must be terrible /s

[@nikolayvoytenko4728]

Student loans are dead it’s 2020. I dropped out of 9th grade hired online mentors $200 per month . Now I have option to retire at 31. Work , educate yourself, compound invest . Learn how the economy works . Retire early .

[@juliajcr]

I just don't understand women going into debt for something only to end up staying home with the kids. Probably the best plan for those who marry and want children young is to keep your 20-30yr to raising your family, maybe work on some side courses, and when the kids are that bit older, go back to school if that's what you need. By 35 you should have raised kids and a solid education. 35 is not old to get into the workplace.

[@karlschmidt8023]

Minimum payment of $128? On over 100k in student loans? Jesus your interest is going to cost at least that 100k or more

[@speakingtruths4215]

I’m really not that old, but younger people really need to have a clear path of what they will be doing BEFORE they get married, have kids, and accrue six figure debt. BEFORE you go to school, whether parents pay for the education or not, you’ve just got to have a path for how you will support yourself and your family down the road. Really look at the cost of your education. For example, you can’t be dumb enough to spend 100k plus on an education when you are getting involved in a career that will top out at 35k. You’ve GOT to think about this early on.

[@brianmcg321]

"My husband is a Dr......Not a real doctor, but you know, English, so its worthless."

[@Vydio]

I wish they'd thought of the worthlessness prior to running up the debt.

[@lvyrself5000]

I’m watching this in my prison cell and I feel like I’m in a better situation than this caller.

[@jayrider2726]

Lol

[@PInk77W1]

So true

[@itstiffanyrachel]

Ləv Yərˈself 😂🤣😂

[@tymom9313]

🤣🤣🤣

[@ChristoherWGray]

What a babbling fool Making 25k a year That isnt even minimum wage level

[@DemetriT1]

Sounds like a hot mess.

[@SelimxBradley]

A PH.D. in philosophy... lol

[@ReddingRed]

PhD is short for Doctor of Philosophy. His Doctorate is specifically in Political Science.

[@blacksmith0316]

@Sponge Bob The joke goes, What did the man with a ph.D in philosophy say? I'm unemployed, but i know why.

[@blacksmith0316]

@Sponge Bob LOL

[@MB-gz1ji]

Poli sci phd and English degree working part time, two kids and near $200k in debt. Someone didn’t explain how the world works to these two. It’s sad how many people will follow this same model though.

[@vickiesanford5505]

I am curious what exactly people have put on these credit card balances these days..I hear $8000-$30000 balances..eating out every night? Household items? Weddings, parties? When we were in our 30’s, 40’s, we probably never had more than $1000 (ever) in CC debt & I worked extra (hospital RN) to pay it down..we had nice, modern homes. Kids went to private high schools & we cash-flowed college X2. I am just amazed how everything is on plastic these days..why? The lifestyles people seem to want these days really need 2 incomes.

[@Vydio]

Well I ran up $7000 in a week getting my son set up in another state to work as an electrician. Contrary to what is often posted, the trades do not automatically provide a job. Son had to move. Do hope ti get rid of it as quickly as possible, without running up any more, however.

[@kay22100]

I wish people would quit judging the callers. The fact that they're calling is a step in the right direction. So many arrogant people in the comments.

[@daughteroftheking1222]

THANK YOU!

[@JK20239]

What did you think KZbin was for?

[@Kiahlaflame]

Agreed!

[@1redrubberball]

So you think your 2 cents worth adds to the quality of the dialogue?

[@daughteroftheking1222]

@Afternoon Light Studio Dave has been through his own set of stupid and crawled his way out. And he also researches constantly about financial trends to help people. He has more of a right to judge, he's been there! What is your solution to their dilemma then?

[@cerebralcaustic]

🎶 Mountain of debt 🎶 Oh lord I'm climbing this mountain of debt 🎶 I keep on climbin' 🎶 But I ain't seen the top yet

[@devbiol86]

I'm a bit confused. I did a PhD but the university gave me a stipend which helped me cover living expense and tuition. Sounds like this individual got loans for graduate school... wonder how common this is... sounds odd to me.

[@DustinOranchuk]

same here. pretty crazy. Ill finish my PhD this year, and should be able to pay my loans in ~1 year of rice and beans, even if severely underemployed.

[@jaymacdonnell4730]

24K down, 26K to go!

[@NSGLiv]

She needs to open a home daycare and teach English online and hubby needs about six jobs

[@haticouponer2953]

Dave doesn’t even ask If they have a loan on their car anymore.. just what do you Own on the car

[@cerebralcaustic]

I also noticed this trend ... it's unusual to find someone without a car payment, so maybe he just streamlined the show by asking 1 question rather than asking 2 (IF they have a car payment, and then HOW MUCH)

[@SignedOff402]

11,500

[@randy944]

"When the kids go to school then I'll figure out my career path" OMG.

[@randy944]

@Tiffany F. But by then McD robots will have taken over lol.

[@philmarsh7723]

Step one in life. Don't have kids unless you make $500K/year and have no debt.

[@benreilly595]

Who gets a degree in the language they SPEAK!?!?!?!?!?!

[@akeel77]

Ben Reilly I know right?!?!?!

[@ChrisMFlorida]

Teachers usually

[@GUITARTIME2024]

Ben that's funny, but also stupid. English is complex.

[@GrislyAtoms12]

People who want to be English professors. Like my brother in law.

[@freeagent9753]

She doesn’t want to work. Simply put

[@daniel-vn4ql]

what. she has 2 jobs. she wants to get out of debt.

[@bobbyb7672]

These married female callers never work...

[@polyglotpower2405]

@@bobbyb7672 You don't know what you're talking about. For example, I was a caller to this show, I'm married, and I'm a medical doctor who works full-time and makes additional money from side gigs. Take your misogyny elsewhere.

[@Lion_Rey]

@@polyglotpower2405 good for you. You're in the minority.

[@illegalalien6542]

Misogyny is a meaningless word in 2019.

[@janethill1668]

Dont people work their way through school any more? Why not?

[@PaulTovar]

65k with all that education I make more than that and I dropped out of high school

[@JK20239]

What do you do?

[@PaulTovar]

Josh truck driver

[@cutehumor]

good for you. being a truck driver is valuable skill for this country. lots of folks won't do it because away from their home too much.

[@PaulTovar]

cutehumor na it sucks and I don’t like it but it pays the bills for someone that dropped out of high school there are not a lot of choices but I feel that it sucks like it was almost a trap for the school systems to make you go into debit and you inly can make 65k

[@vinnyt.8027]

She read the book TWICE yet still is confused with basic 4th grade math sheesh America's addiction to debt/materialism is beyond repair

[@davidharvell3191]

How is their IBR so low??? I make 64k and my minimum payment with IBR is $528/mo

[@runningdebate2670]

PhDs are usually free, like 99% of them are free, so I'm assuming his 135k is undergrad and masters.

[@PInk77W1]

I’m a high school drop out and no debt.

[@unscripted483]

That's not inherently better lol

[@blacksmith0316]

@@unscripted483 Yes it is. With an income and zero debt, building wealth is very possible.

[@colin1818]

@@blacksmith0316 - Yea, but you don't have to go into debt to graduate High School. You just have to show up. So it's not like he avoided crippling debt by dropping out.

[@Yihooni]

Colin Hahaha I agree. Highschool is joke. It’s a participation trophy. 🤣

[@jeep19]

Judging by the amount of debt, I bet he's looking back and thinking, her and the kids were bad choices... because they serve him no purpose, are a drain, and neither bring in a check 💰 to pay off debt 😉

[@katrinaumana2127]

$165K for a Politicial Science & an English degree. I'm surprised Dave didn't put a hand on his head😂

[@lorenzovonmatterhorn7402]

My husband is a doctor... srsly.. stop saying that. He has PHD in politics.. jeeez.

[@joshua38410]

Good luck with getting a job at a university with a “doctor of philosophy” 😂 like literally I could read the chapter the day before and teach exactly what he will teach....a PHD in philosophy spells stupid longer than the actual word.

[@serioushamster]

Dave's face when the woman said her 'Doctor' husband was making $65000 lol.

[@MattSezer]

In a lot of disciplines you actually get paid to get your PHD because you're teaching undergrads as you do it. You don't make a fortune, but it's more than enough to cover basic living expenses and you have no debt when you get your degree. It seems crazy to me why you'd pay out of pocket for anything where the ultimate goal is to be a professor, as there are plenty of ways to do it where you'd be in the same position and be getting paid the whole time.

[@ToastbackWhale]

Yup. If you’re paying for a PhD, you’re doing it wrong.

[@seebelieve5899]

The over educated poor….. so sad 😞

[@PInk77W1]

Never look at the total debt. Just make sure the total goes down Every month. Momentum.

[@mandysimmons2769]

I used to eat macaroni and beans and now I eat "pasta and legumes." LOL.

[@James_Kiel]

Maybe a little less criticism for this caller, who is “financially sick” - and recognizes her problem. She is on the phone with Dave...good for her!

[@user-eu2me4bp7j]

Lol well where’s the fun in that?

[@kidgreenhorn]

Teach Junior College or High School.

[@brianmott9010]

135k for a job that pays fifty? What a horrible decision

[@wesleyflowers2924]

I make as much as their family income as a automation mechanic and my work paid for my school. I am graduating in 4 weeks with zero debt.

[@kimjong-un5562]

Skilled industrial workers are in demand atm

[@Da_padilla]

If her husband gets into a high school teaching job, in the mean time, he will get a substantial raise from 37k to 65k or more. As for his wife same thing get a full time teaching gig and she goes from 28k to 50k. That's 50k covered! Then there is room to find a college or administrative postion, for her husband, that will glide him into 100k+. They got it they are just early on!

[@edgehodl4832]

135k for PhD in political science? 🤣🤣🤣🤣🤣🤣🤣🤣🤣

[@shola7987]

We all have a phd in philosophy at this point.

[@wmurray003]

They could both have a job making 60K each. That would put them at $120K

[@iphoneusdsd]

People have personal debt similar to a mortgage..

[@misterjay4236]

Remember folks, if you're going to have biological kids, make sure you have no/minimal combined debt with a substantial combined income first and are willing to dedicate the next 18+ years of your life to your kids.

[@jngibson24]

"Not like a medical doctor" Wow, way to throw your husband under the bus...