My Rent Keeps Going Up And I Can't Afford It!

[@TraumaER]

This is a real caller with real problems unlike the typical "I make $200,000 and I'm still broke" callers.

[@fondofthebonds4914]

@Genius Idiot you would be surprised. Who do you think live In those badass houses you see? I work doordash occasionally and so many rich people out there it seems

[@wanefelicia8779]

@@fondofthebonds4914 no just many ppl living above their means

[@wanefelicia8779]

@Genius Idiot u would be surprised actually...research it and find out yes ppl with 100k and 200k still struggle 🙏

[@GabrielGonzalez-kb5by]

She makes 70k (50k after taxes)with a $1000 a month rent... she’s not broke either. She needs to budget herself. She also said she paid off her car. She has more wiggle room then most

[@yayapeeps]

@@GabrielGonzalez-kb5by yes, but remember she has a child and is working Two jobs. This means she is never at home much and when she is, she is probably to tired to do anything else but rest. Then she gets up and does it all over again. I've been there. She needs some breathing room, some help from her church or close friends and family. I am not talking about money, but someone who can step in and do little things for her like grocery shop or watch her son while she does personal things. I am glad she called in and that Dave is doing the class for her. Her problem is more common, it's what everyday working people are dealing with, even married couples are having a hard time budgeting with rent being raised every year.

[@candy2325]

Man, I can hear in her voice the frustration! She’s the only caller I’ve heard on this show who actually has emotion and was super grateful when Dave offered to pay for her to do FPU.

[@briellejacobs1045]

I’ve heard many grateful people who Dave gave free FPU classes to

[@TheSoulCrisis]

He definitely wants some peace for this caller......lady is so stressed out!

[@Tina-if1ku]

I wish Dave would do “Where are they now episodes”.

[@annjean8709]

Absolutely!

[@christinab.2864]

But he does the debt free scream

[@JiisTube]

Great idea

[@jenniferleigh1674]

I do too

[@TheSoulCrisis]

@@aquarius9491 I'd say 30 - 40% potentially....cause they get books and courses to add to the motivation, but it's definitely a fraction of the callers cause changing patterns of behavior and mindsets are hard!

[@scoobydoo7346]

You can do it Takisha!

[@breezyveezy1]

Praying for her. She’s trying her hardest. I hope she pulls through!

[@RealHealthyGuidance]

Praying does not work

[@mandyschmidt7164]

@@RealHealthyGuidance troll in the dungeon.

[@jenniiferloves9410]

Alex Norway get in a real bad predicament that’s the first thing you will do!!

[@JoeGarofaloII]

@Dacia Sandero guys God never promised anyone they would be a millionaire just by praying for it. Why has not-praying not made you a millionaire yet?

[@5fiveyearmission5]

@@JoeGarofaloII exactly!

[@iamhuman1927]

i want her to win

[@wmurray003]

She will.

[@jg-xx8oh]

I agree

[@evacorbett3992]

I am Human me too! I pray The Lord Jesus Christ does what seems impossible for her and makes a way for her to have peace IN JESUS NAME

[@rogertorrez1798]

Single moms are real strong. God Speed.

[@RealHealthyGuidance]

@@evacorbett3992 praying does not work.

[@mysticaltyger2009]

I like this woman's attitude.

[@TheHoriginal]

Agreed 👍

[@royalredus]

Wow, I really feel for this gal. I lived in Decatur in 1999-2000 and had a little one-bedroom apartment for $550/ month. It was old and the carpet was awful, but it was safe and quiet. They've since bulldozed them and built fancy condos that cost $1800 or more. So I don't doubt this woman is struggling. If you're reading this Takisha, we're pulling for you!

[@marcusarelius]

$550 / Month 20 years ago is almost the exact same thing as $1,000 / month today. Inflation, salary adjustments, cost of living has doubled since the 90's.

[@Cahluvca]

The story of America.....I dont know where you can find affordable outside being in the middle of nowhere

[@59lennon]

Affordable rent in Greensboro, North Carolina

[@joeb1522]

perkol8ter From 2004 to 2007, I rented a small 1 bedroom apartment for $415 per month. The building is still there, but the rent has gone up about 50-75%. So it's still affordable, but much more expensive now than what I paid.

[@joeb1522]

They never increased the rents on existing tenants as well.

[@EastCoastReefer]

It makes me sad to see moms fight so hard. I’m a hardworking man, but I don’t think I can work two jobs for more than a month. I hope life will be good to her soon.

[@blackworldtraveler3711]

Binh Nguyen You do what you have to do. Heck I worked two jobs while going to school for over two years. Had to live in my van half the time. No big deal.

[@crusindc5282]

@@blackworldtraveler3711 : With kids?????

[@Peter-uo8zr]

She should partially blame her parents for not telling her that if there is no planning and execution to deal with things in the near future, more and more burden will fall upon her in the far future.

[@ellec2935]

I worked 2 & 3 jobs after my divorce to care for my kids. We do what we have to do. My kids are grown now. They are wonderful and I'm happy to just work one job now.

[@deadcell1]

I am a man, when I was single I worked two minimum wage jobs barely making $27k a year for 3 years to survive until I was able to save up enough cash to start my own business. Life is hard when you're at the bottom but once you make it up into the top 10% it's so much easier.

[@ritesh146]

She deserves a huge respect.

[@AnalyticalMenace]

Just one?

[@dcg590]

@@ministerLizwrong, she CHOSE to be a single mother and remember, SHE PICKED HIM. This is HER fault. The consequences are what she’s upset about. These were her decisions. Now she’s crying about them.

[@loricecampos3876]

I feel bad for her. She trying so hard.

[@Mitzi73]

Lorice Campos True but it sounds like she is not living on a budget which is critical and can be fatal if you don’t.

[@mikenelson8377]

Mitzi73 I was gonna say the same thing. Live on a very detailed written budget and live on practically nothing, you should be okay. Oh, and that student loan doesn’t help either

[@ashina5924]

@@mikenelson8377 living on nothing is not living yall dont get it lol

[@mauricemaurice123]

Rent is terrible everywhere SMH

[@privatelifejust_4me]

Maur Ice 💯

[@johnsbanana3648]

Dayton, Ohio has great cost of living!

[@tyyt2146]

sophia Bowling how much do you pay?

[@Exxon300]

Maur Ice yes

[@deadcell1]

Ain't that the truth!

[@TelmaFrege]

It's been a year and a half: Takisha I hope you're feeling better. You're doing all the right things and God will bless your effort. Your struggle will soon be a thing of the past.

[@andreakae4211]

20% rent increase is absolutely unreasonable and predatory

[@mrfred1000]

Oh so you thought by putting a % amount that's bigger in comparison to the rent to increase number people who see your comment would agree more easy. 20% compared to 100% of something Is about a quarter of it which people understand is a lot but 200 on 1000 is not at all. On top of that if you went to look for cars, an apartment, big purchase like a washing machine and you had a budget for the purchase most of you would put a range. Everyones range is between a number and another. If you're renting your range tends to be 200-400 different. If you ideally would rent for $1000, you'd also rent for $1200 even though you would like $1000, BUT you wouldn't rent for $1800. $1000 to $1800 is a big jump, $1200 is not. Same as $700-$1000 is not a big jump but $700-$1300 is. You guys would not blink at a $1000 washing machine vs a $1200 one if the features justify it, but somehow rent being $1000-$1200 is a big issue for someone making $70,000 a month which is $5,8333 before tax. For a single mom that's about $4,400 after tax. How many of you make $4,400 a month and cannot afford $1200 rent? and if you cannot afford it, what's your debt that you voluntarily put yourself in? Predatory my rear. Brainwashed people.

[@JessicaDaniJohnson]

@@mrfred1000 I make about $4400 net a month. I would not rent for $1200. I dont have a ton of debt either. Also, If i was renting for $700 and it jumped to $1000, I would move immediately.

[@SniperReady]

@@mrfred1000 The amount you are allowed to rent increase per year is generally controlled, and it's usually around 2-3%. A rental increase of 20% is absolutely predatory, and may even be illegal. If she's bringing home $4400 a month, but also has to pay for healthcare (because America is a nightmare), childcare, food, water, electricity, car things, student loan debt, child things, and rent, it's going to be ever harder. I live in a high cost of living area. $1200 a month for a single dweller 1 bedroom unit is unheard of. It's not even a reasonable expectation for a bachelor suite. I can afford more, but it's also because my costs per month are much lower than they would be for this single mother. Children are expensive.

[@YumYum5679]

SniperReady then sometimes wait to have kids and or find cheaper alternatives for school if you can. Don’t buy $400 a month cars, some things are simpler than worth looking into

[@Preservestlandry]

@@mrfred1000 you just made up a long story full of nothing true at all. A whole story about a range, you just made up.

[@debtfreerv6611]

She sounds like a smart, sweet woman. Feeling like you can't get ahead financially is such a frustrating, helpless feeling. I really hope things turned around for her.

[@sabrinanunn3285]

I gladly left Dallas because their rent was outrageous for a dump of an apartment. The rent was over $1,300, parking was $95 per month along with hidden fees. I really feel her on this. I live in Arkansas now and my rent is $750 for a nice 3 bedroom apartment. I couldn’t believe it!

[@leggingsarepants3175]

The untold story of so many single mothers.

[@luminous6969]

Calling out women making bad decisions = bitter incel. Welcome to 2018.

[@arcadion448]

@@luminous6969, true but her situation would be so much better if she didn't have a kid. She works 2 Full Time jobs, who's raising the kid? Not the mom because she's busy working 16 hours a day.

[@matthewmoselle9789]

The untold story of most AMERICANS period. This isnt just about single mothers.

[@mandyschmidt7164]

@@dericanslum1696 AKA, Most men

[@dericanslum1696]

@@mandyschmidt7164 ...it could be 99.99% and still not invalidate my point...

[@jujubee90275]

Takisha hang in there .it will get better ❤❤❤

[@michellemorford349]

A single mom making 70k a year is a rock star. I really hope learning financial skills and budgeting helps her feel more in control and able to make progress. She deserves to have a breakthrough!

[@ajbluebird7741]

Here in New York the rent absolutely outrageous!!! It’s so expensive here and the sad part is you get such small space for the asking prices. I truly feel this young lady’s pain and I truly hope she overcomes her struggles. Faith, pray, and some patience. It will get better.

[@mikenelson8377]

Ebby Simms you do realize you live in the top most expensive cities in the US, right?

[@johnzabik270]

Ebby Simms thats because of Airbnb

[@NYC_KID92]

Lane Breaker A lot of people don't have the means to get up and move to a different state.

[@richardortwein3576]

Lane Breaker agreed. Can’t afford it leave. I was in Chicago it was too expensive drove an hour north to Wisconsin I always live below my means Rent went from 900 to 400 Get it now people????

[@blackworldtraveler3711]

MartinVW1992 It probably was too expensive to begin with and they were lying to themselves. At least that's what I've experienced observing. I just lived in my van for a while.

[@daveheel]

i sympathize with her about rising rents. i've moved several times because of it. that is a con to renting and a pro to buying a place. but buying isn't an option for everyone.

[@blackworldtraveler3711]

daveheel Nothing new. Always been that way.

[@tinamichelle6969]

She is headed to living in the overflow because she's asking for help. We have not because we ask not. My God keep you safe and debt free.

[@vg6790]

I’m praying for her. Lord provide her with provisions!

[@maremacd]

I short sold my condo (long story, weird situation-trust there was no other way) in September, sold most of my furniture on CL, and moved into a tiny apartment above someone’s garage. My commute went from 10 to 45 mins and there are other obvious downsides, but I am halfway to paying off my debt.

[@NateshasAmbience]

maremacd Keep it up!

[@Ja50nkAt]

How does she make a decent living Dave when she works two full time jobs? When does this woman sleep or take care of her child? This is reality for 50% of workers.

[@r.j.lindzee6432]

I'm a single mom with 2 kids and I work 2 jobs. That's been my life for 2 years. It's tiring and overwhelming but my 2nd job is food delivery where I can pick my own hours. There are a lot of food apps where you schedule yourself. It's the perfect part time job for single moms and college students.

[@aureliusmarcus1817]

So stay married. Pick better men to have kids with. Don't have kids until you can afford them.

[@alyssiawatson4496]

Was thinking the EXACT same thing.

[@ShadeMiller]

@@aureliusmarcus1817 things happen. It's not Dave's job to judge why they're single

[@aureliusmarcus1817]

@@ShadeMiller Things don't "happen" unless we let them. It's a choice.

[@waynemiller6070]

I don't always agree with Dave, but I like how he helped this lady. I would think that $70,000 before tax and rent of $1200 should be easily dialed in with the help of FPU, Every Dollar and some coaching as necessary. Thanks Dave for your gifts to these people who need them.

[@sabrina.natalie]

FINALLY... A *relatable* episode! 😍 Takisha you’re a beautiful woman. God will definitely help you and provide you with strength & guidance. Continue to pray, remain hopeful, stay disciplined, and continue to have faith. You got this!

[@Riflmn11_]

Sabrina Valenzuela no kidding. I’m having to deal with the exact same thing here in LA..... every year I’m having to chase rent to keep my costs down on BS#2 I hope she can make it, because it’s killing me 😒

[@sabrina.natalie]

Aww man. That’s horrible! Maybe you should contemplate moving to Arizona. I live in Phoenix, Arizona (Born & raised) and I know so many individuals who transitioned to Arizona from California. The cost of living in California, especially LA is so outrageous. The cost of living in Arizona is pretty affordable and the job market is pretty stable and versatile. You should definitely do your research. But it’s a thought I would recommend you consider 🤗

[@zack1610]

It's honestly terrible what people have to go through these days just to keep their head above water. Dave is doing the right thing here but it's beyond putrid that this hard working educated women can't even treat herself to a decent dinner at a restaurant as a reward for her hard work. This is not an individual problem. This is a system problem.

[@patrickstogsdill74]

I agree with you Zack 100 percent

[@dcg590]

Not a system problem, it’s a decision making problem

[@9852323]

Exactly

[@kimkaragiannis848]

Exactly!!

[@leroyt73]

I feel her pain! Rent is getting outrageous her in the Atlanta area! U have to live in the hood to keep a roof over your head

[@danielb3863]

No you don't. My friend just got a 600 sq foot studio in a new building on the white side of Brookhaven for 900. Lenox Square is just half a mile up. She prob wants to live in the newest buildings with all the amenities for low rent. Not happening.

[@leroyt73]

On the west side they are charging 900-1000 for the bare minimum! No amenities and in questionable neighborhoods

[@user-eq3uk6ye4w]

No you need to move away from Atlanta. She's in such an overpriced area. She needs to go McDonough, lagrange, Griffin, Jackson, even peachtree city would be less expensive and in a good area.

[@KennyakaTI]

Garrick Ivey Found a nice gated complex in Duluth for 800 a month. Was shocked I actually found something that good and safe for that price. There are cheaper safer areas in GA away from the city but the jobs obviously pay less. My Job pays well so I need to be in the Gwinnett County Area.

[@user-eq3uk6ye4w]

@brian Not if she buys a house. She's trying to live in an area with rich folks. But I do agree rent has gone up everywhere in GA, buying is looking good.

[@Astrapoetica]

Crying because I relate to this so much. "Like a rat stuck on a wheel." Yep. Rent increasing, going up and up, and how do you figure out how to escape? I also live in an unsafe neighborhood, $1025/mo. And any other place around me is $1400 or $1500/mo. Just for an apartment! What even is going on?

[@pamelalima5401]

I hear you… I’m living in an infested of roaches apt with my family and I can’t move because the rents became unrealistic in Florida, there’s nothing for you if you make less than 65k income and have at least 6k to move in deposit

[@princessvivianna]

I hope things get better for you.

[@k_escobar917]

@@pamelalima5401 i live in Hialeah, FL my rent is going up to 1,300 for an efficiency...literally a small room with a bathroom with no kitchen...i cant afford to live in Dade and its only getting worse!!! efficiencies literally going for $1600!!! my landlord told me hes only charging me $1300 cause im already here but if it were anyone else it'd be $1500 :( i literally cant afford to eat :( this is disgusting whats happening.

[@mimib___6709]

I feel the frustration in her voice, shoot, I'd be angry too. It's sad how one has to work so hard to simply survive.

[@67judson]

This woman has the strength and ability to improve her situation! She will be alright!

[@jeannierusso2134]

What's really sad is this is going on all over the place and even in different countries. I lived at this complex for almost 20 years I just got a rent renewal two months ago and it was over $100. Close to $150 I cannot afford this elderly I'm on a fixed income and this is awful what's going on they want to make people homeless.. I didn't do anything wrong I pay my rent all the time I don't smoke anything I don't do drugs I have no children they're grown I have no pets. I've kept my place nice neat and clean.. and guess what none of this matters... all Corporation Called Brookfield brought this property two years ago and I called them CROOKFIELD

[@Purpleeyes92]

This is nothing comparing to Brooklyn, even in the bad neighborhoods. One bedroom apartment is around 1500. It's ridiculous.

[@ianwynne5483]

But in NYC you have big wages to go with the big rents and the groceries and transport etc., I even heard parking was $200 a day in Manhattan

[@maddyc2412]

That's obscene!

[@BrooklynKidd]

kermelle nelzy I agree I was born and raised in Brooklyn,NY my whole life up until the last seven years. I reside in Texas now, the best move I've ever done

[@jaycool9480]

Something needs to be done. They kinda maxed out the gentrification in Brooklyn. Single people suffer the most in N.Y.. it's becoming like college living this roommate life overcrowding in apartments. 6 people in a 3 bedroom? Sharing rooms? Nahh... this has become a ridiculous problem all starting with Guiliani then Bloomberg.

[@glittersilver7779]

David N I heard Texas is the best kept secret

[@khanchango]

I feel her pain. I am a nurse living in Austin and the cost of living has gone up so much while wages haven't. Keep striving sister and one day it will pay off.

[@jet4415]

I bought a house in the south 18 years ago. It was $112,000 for a 3/2 in a nice area. Now the same house is over $200,000. My salary has not gone up that much so there is no way I could buy a house in my area at this point. I feel for these people!

[@blackworldtraveler3711]

J T Always been that way. Nothing new.

[@TeenaNikole]

Wow even at 200k a house would be such a bargain where I’m from. In Toronto a VERY MODEST sized house (2000 soft) is no less than 1.2 million

[@Clionsgirl]

Renters have it hard in Georgia. My brother and his wife left and move to North Carolina because the cost of living was going through the roof.

[@ladycheyne5607]

We left Marietta, Georgia in 2006 because my husband couldn't buy us a house there. We came to Alabama and got a 4 bedroom house with a large yard on a golf course. I'm so glad that we left Marietta with our son years ago. We most likely wouldn't be able to afford rent where we were(They've built a stadium where we lived)

[@Cahluvca]

Desirable areas will never stay stagnant. Its access, realize and move for many. If not deal with the higher cost of living

[@designhub360customapparel]

Yes! You notice it has gone up more smh.

[@designhub360customapparel]

@@ladycheyne5607 Why he couldn't buy a house here but he could in Atlanta?

[@ladycheyne5607]

@@designhub360customapparel You've got my statement backwards ☺️I was a stay at home mom when my son was in school and one income couldn't buy us a house in Atlanta the size we wanted. We came back to Alabama (we're both from here) and got the house we wanted.

[@lorenl9262]

My heart goes out to this young lady and I feel her frustration and it makes me SAD that people that work so hard still cannot get ahead!!!! GOD BLESS her!!!

[@TheMichelex20]

She is correct that rent is outrageous here in Atlanta and going up. She may have luck utilizing a realtor or private company that rents out rental homes, townhomes and condos. Private owners seem to charge way less than your standard corporate owned apartments. One thing I think some of the commenters below is missing is that she is a single mother. So I’m thinking school district and safety is very important to her. She can’t just hole up in a studio apt or a garage. She has another life to consider. Also the commute from your job to home and vice versa can ruin your mental health. Atlanta traffic is some of the worst nationwide. The commute she has to make especially in Alpharetta is not to be taken lightly.

[@blackworldtraveler3711]

mickey M I didn't miss anything. Something to think about before having kids.

[@designhub360customapparel]

@@blackworldtraveler3711 Fuc**** idiot..

[@leahv5892]

I’m wishing this lady all the best. She’s real and she’s frustrated and struggling.

[@IlikepurpleXP]

I feel her pain so bad. I also have a huge student loan debt on me. The neighborhood I grew up in and currently live in (In Queens, NY) is now becoming gentrified. 1 BR apartments used to be around 1100 7-8 years ago, but now with all these rich transplants moving it, its skyrocketted to 1800-2000 for a 1 bedroom (my mom and i pay 1900, and she works a non-steady job) and its such a struggle every month especially because my neighborhood has always been for low-income immigrants but its a nice area, which is why these families are now moving in and driving up the rent. It's either pay my loans or risk getting kicked out of our home. Yes there are other cheaper neighborhoods, but like the lady in the video mentioned, these neighborhoods arent the safest.

[@blackworldtraveler3711]

Clarissa Explains It All Hope you didn't have a kid like she did.

[@IlikepurpleXP]

Elephant In The Room thats my plan once im a little more established in my career/have my savings up there.

[@mryellowdickswagger7162]

you cant afford to live there

[@jaycool9480]

Where in Queens you stay at? I live in Queens too. Yeah, these Upper middle class transplants are killing the housing problem. A lot of native new Yorkers are being pushed out. Even the Irish, Italians, and Other Europeans.

[@IlikepurpleXP]

Never Look Back Yeah, we're moving at the end of the year.

[@andrewl8251]

"Sallie Mae is got her own bedroom.. " hahaha... Lol

[@SnookOnTheFly]

The price of everything seems to be raising faster than my bank account

[@misutasutanto6312]

Tell me about it

[@Yugiboii]

Inflation

[@ElizabethGonzalez-jt7ns]

Everything when as high as the sky, and yet, I’m still on the same yearly job salary.

[@arabiacrawford5933]

Pray

[@arabiacrawford5933]

@@ElizabethGonzalez-jt7ns u need a new job . Take up schooling.

[@ameshamonique]

This story really spoke to me. Rent kept increasing in my city, so I decided to buy my own home instead. The mortgage payments are far less than the rent I was paying and I'm on track to pay it off in 3 years. I'm rooting for you Takisha!

[@GuitarGuy650]

BS that a mortgage in a city is more affordable to renting. Houses are well over $800k at least, not including the insane varying taxes and insurance

[@ameshamonique]

@@GuitarGuy650 Lol, sounds like you need to move.

[@theCaseyLynnxoxo]

rent is going up and pay isn't I don't get it...its like the American system is built for you not to get ahead...

[@blackworldtraveler3711]

CaseyisFab4Less No different in the 80s. Don't have kids. Live in your car. Move,etc... Many options.

[@KellyMichaelsTV]

CaseyisFab4Less Most folks create their own problems. Why have kids you can't comfotably afford.

[@Diverse0725]

The problem is, the harder times get, the more people want to spend to make it seem like it's not affecting them. We decide how much everything costs. The cost of rent goes up because people are willing to pay it. As long as people are unwilling to swallow their pride, and admit that they can't afford to live somewhere, prices are going to continue to increase.

[@LTJuni0r]

kmike1976 I agree that people shouldn’t have kids when they aren’t ready but the sad reality is some people have kids when things are roses and rainbows and circumstances change (rent increase, divorce, job loss, etc.) We can’t blame people for problems outside of their control

[@maxx_thedragondominator]

kmike1976 asinine comment. People act like they just can go in a store and buy kids they can’t afford. What are they supposed to do? sell them?

[@regie957]

Probably not worth mentioning but my 1 bedroom in glendale california is $1,600.00/month. I see higher for other 1 bedrooms. Landlord says he's gonna raise it again in 18 months. 🤒😷😖 so depressing.

[@818Cali_Tali]

I'm not to far from you. I live in North Hollywood in a 2 bedroom (with a roommate who i'm lucky is trust worthy and responsible.) and we pay $1700 and that is considered a "bargain" here in the L.A. area. They just raised our rent which they do once a year which is usually $50 dollars, but this time they raised it $185 dollars for the reason being it's costing them more money to upkeep the building. The new tenets who come in now have to pay $2050 for a 2 bedroom, 1 bedrooms are $1800. Oh, and forget trying to buy a home in L.A area.That is even worse!

[@maxrice6990]

Ughhh, you guys are giving me bad flashbacks. So glad I got out of LA.

[@sct4040]

Move to a studio, nothing wrong with a smaller place.

[@FeonaLeeJones]

In Oakland a one room apartment is $3000. And it’s even more across the bridge (SF).

[@bradboisvert4892]

California is so overpriced

[@ChrisMFlorida]

Rent is pretty high everywhere.. Just 2 years ago someone bought a foreclosure across the street for $53k and did minor work to get it rent-able and now they charge $950/mo.

[@chrisbaker2669]

Chris Vandernaald That is a good way to build wealth.

[@Youngerick1990]

Hey I’m looking to buy a foreclosure home... did you go to the court and have to bid on it?

[@jo-annmacneill6454]

I am trying to save for a down pymt on a home.. but rents keep going up.... so hard....

[@blackworldtraveler3711]

Jo-Ann MacNeill Just save for opportunity and continue living your life.

[@raykrv6a]

Get a roommate to cut costs on rent and food. You can save if you really want to.

[@coryascott]

Jo-Ann MacNeill you have to move away from urban/expensive areas. Find cheap rent in a rural area. Sell everything you own if you have to to make it happen and start over from scratch. It’s not easy. It’s a very painful thing to do but also the most humbling thing you’ll ever do. The longer commute will also be worth it.

[@shimes424]

@@coryascott this is the worst financial advice I've heard in a while. Commuting has plenty of extra hidden fees, aside from extra pollution, increase in car crash probability, and most importantly wasted time.

[@rbuceuuu9079]

Live in your car that's what i did i save 30 thousands

[@blahhblah6635]

Depending on the circumstances I feel as though fun is necessary in a budget. Even when I was dirt poor I know how freeing and regenerative a little bit of fun can have on your psyche. I know the other side as well. I found cheap ways to have fun for the most part like red box, board games, park, etc. I also found ways to cook healthily while at a discount, but the fun was in learning to cook different styles and such. My point being, I don't think I could of made it 3 years with absolute no fun. I've never been in a heap ton of debt (thank the Lord), but I think a little bit going toward a meal out ($10-15 a week) for a meal out or a movie to reward yourself for hard work to get out of debt is an investment in and of itself that is more than worth the price. I remember giving myself $100/month and I didn't always really use all of it, but it was there in case I really needed a tiny break. I budgeted and every single dollar down to a T and fun was my budget insurance in case anything might go over etc. Now if you are just so deep you have no room to do anything whatsoever I understand. Use free entertainment. Just make sure you are taking care of fun, because burnout is real. You can only take so much and just as your body needs sleep after a while so does your psyche. Your body will shutdown without sleep and affect your health and so will not taking care of your mental health. So, remember to have fun responsibly. It's still important and doable.

[@TheHoriginal]

Well said. So true

[@jatiprasetyonuso6471]

Hello Dave. I'm from Indonesia I watch your shows via KZbin from Indonesia. I use your 7 baby steps principles to tackle my debts. I am currently on baby step 2. Got rid of all of my credit card debt and only one more debt to tackle. Hopefully next year I will be on Baby Step 3. Thank you Dave and I hope one day you get to visit my country.

[@jpsm100]

You can't raise rent more than 5 or 6% (depending upon location) as a landlord. To hear he is painting over mold (constructive eviction) and raising rent to such a degree is bewildering!

[@blackworldtraveler3711]

James Sammartino Greed does that.

[@karenkramer3760]

I'm a landlord and I have never raised $200 on a tenant. My goal is for them to stay. So my tenants rarely get a rent increase unless they've been with me for 3 yrs. Then I will raise it $100 and I'm in the Los Angeles area

[@tthh1778]

The cost of housing has become out of control. Most people are paying half or more of their salary on rent. There needs to be more calls about landlord thieves.

[@Cahluvca]

Cost of living will never be stagnant in this country but wages have...seems these companies are more of a thief than the landlords

[@jasmines.6325]

thing is the price of buying housing is going up too

[@t.kuykendall517]

Greetings from Northern New Jersey where our rent is high too! You can do it girl!!! I'm praying for you!

[@theresaford9583]

This is an issue across the country, so sad

[@blackworldtraveler3711]

Theresa Ford Not really. Only in those expensive places.

[@theresaford9583]

BlackWorldTraveler my point exactly, it's definitely occurring across the country in prime areas/states

[@ThePeterDislikeShow]

I used to live in my car 8-9 months a year and only rent a place through winter. If it weren't for COVID I'd be writing this comment from my car right now.

[@c.6812]

I feel her pain... We've been trying to buy a, house for almost two years now but the market has skyrocketed and the competition for houses is crazy. People are selling homes they've lived in for a year for 40-50k more and getting it! We just can't get ahead.

[@yellowbird5411]

As time goes by, this situation is likely to get worse. Wages are still stagnant, while housing caters to the more well-to-do, as do a lot of industries. The city and state get more taxes the higher real estate goes, so the poor or middle class get sidelined into rentals they can barely afford, or they start sharing houses and apartments with others. Everything is going up, not just housing. More people are just falling off the edge, as they cannot cope with the economy any more with stagnant wages for the past 15 years.

[@blackworldtraveler3711]

Lynn Proctor Live in you car.

[@Moriningland]

Agree. But wages have been stagnant for more like 40 years

[@storytime1469]

I lived in Atlanta for a year studying abroad. Rent was ridiculous. I payed 830 a month to live with a room mate. I was used to living on 700€ for everything in Germany and suddenly I had to pay more than that in rent? That's just absurd. Couldn't have done it without my stipend and still ended up using all of my savings for that one year.

[@farwynkaka9334]

Rent in Hawaii is so high too and goes up about once a year. The way the cost of living continues to increase, its no wonder we have a homelessness crisis here in Paradise. I totally feel for this woman though. Dave was compassionate but I don't know if going through FPU will actually address her problem. I hope it helps her though. I wish her the best.

[@Eaglejake]

Hawaii is an island, smack in the middle of the largest ocean on planet Earth. Rent being high is Supply-and-Demand....there is no land for all the demand. The median price of a home on Oahu, now, is ~$800,000. Yes, rent should be high in Hawaii. Homelessness is a product of Hawaii not producing anything. The Plantation Days are over. Hawaii produces only great weather, sun, and beaches. The tourist dollar, all that there is, does not trickle down to the average Joe. The homeless should be rounded up and moved to Texas, Mississippi, Mexico, or Thailand, where there is a much lower cost of living. Hawaii will become the island of well-off retirees in the future.

[@grillbaked]

@@Eaglejake The homelessness problem actually comes from other states shipping their homeless there.

[@InvestingHustler]

Yah rent is going up like crazy in Toronto as well . To live in the city it's 2000$ for a one bedroom 10 years ago it was 1000$ . What can we do nothing unless we all stop renting and force price to go down 🤔

[@armandol1826]

INVESTING HUSTLER - Stocks and money making videos try Silicon Valley. Real estate has gone up nearly 25% in 2 months

[@armandol1826]

A Benavidez definitely

[@InvestingHustler]

A Benavidez it's not like I was homeless for 10 years. I bought a house outside the city and travelled all across the country within those 10'years.

[@TA-kv3nm]

yes, moved to Toronto in the fall and finding affordable apartment space is really hard. Luckily I found a place but it wasn't easy and I was extremely lucky

[@mabelw7]

roommates! u should treat them well too! i dont understand y everyone wants their own car & etc... its impossible

[@lilithdemonia74]

You can feel this one....doing everything right, still getting buried. Rent in this nation IS too high....its all about greed.

[@sccanj]

Oh don’t worry, housing crisis is around the corner

[@ligbzd837]

One of the best and realistic advice from Dave is that people need to have a "period" of "no life" in order to save up tons of money OR pay down all of your debt. This "period" is a must. But this "period" is only temporary and short - usually 3-4 years only. It's better to do that sooner rather than later in life. To succeed in anything in life we have to make "sacrifices". If you can live with family or friends for no rent for 3-4 years is ideal because you can save TONS of money that way.

[@betz6507]

Landlords have rising costs too -- water and sewer, property taxes. It gets passed on to tenants. It's not always greed.

[@TheDavidjoek]

Yes and she lives in one of the nicest places in Atlanta and works across the street. I work in Alpharetta as well but drive an hour each way because I couldn't afford to buy a house any closer to there.

[@a1ananda]

BS. The tenant pays for water/sewer. Property tax can be paid with one month of rent.

[@TheDavidjoek]

@@a1ananda that greatly depends on the situation.

[@9doggie12]

mindyours ummm no tenants pay a portion of water and sewage. The bulk of all maintenance which includes the leaky roof, stove, pest control, etc. is taken on by the landlord. Most landlords don’t own their property outright and pay half their revenue in mortgage payments.

[@arcadion448]

@@a1ananda , even if Property Tax can be paid with one month rent (which isn't true). The landlord can charge whatever they want in rent - it's their property. You don't have to live there, if the rent is too high compared to the rest of the market nobody would live there. During the Great Recession rent decreased, and I didn't see any renters protesting for the landlords.

[@meganbarton4411]

This is my favorite video of Dave Ramsey's I've seen so far. He is so compassionate, supportive, and helpful. This is probably the best side of him on display

[@TheHoriginal]

Agreed 👍

[@talawoods25]

She'll win!

[@MimiKeel]

Compared to most people I know, she's already winning.

[@slhines7]

All rent pretty much everywhere seems to go up regularly and for everyone.

[@astridgalactic9336]

While wages for most of us remain stagnant.

[@mycobrahatesyou]

Property tax, HOA, home owners insurance, etc all go up too. Oh, should the landlord just eat that and lose money? Free market, if you can't afford it then find another place. If he can't rent it then he will be forced to lower the cost. Duh.

[@colin1818]

Correct. That's called "inflation." The cost of bread also goes up. And milk. And home values go up as well. Also....taxes go up.

[@casparandechs4758]

@@astridgalactic9336 DON'T BE STAGNANT

[@mooret212]

Wow I felt her pain. I have a salary and my property taxes keep soaring and I have a lot of debt and I too am frustrated. Lord, help! But I am cutting up cards, closing accounts, and praying, and will soon appeal these taxes. Hope this helps relieve some burden. And praying for this woman also.

[@datnohi8612]

Thank you Dave Ramsey because of your teachings I am debt free but my home and close to paying it off you are an angel on earth

[@LP-wf4uj]

Awwww you got me crying and I feel your pain. YOU GOT THIS GIRL

[@TheAbrunqaj]

I think there is something big going on here. Rent is going up on the east and the west coast because of overpopulation. They are trying to move people towards the mid-west. This will segregate rich from poor. Also rent is so high that 2 or 3 people making average income might have to work from one family. I live in a small nice town in NJ. When I moved in 2015 rent was $1280 for one bedroom. Now a corporation bought the building and made my rent $1425 so far. The newly renovated ones in my building are going for $1700. In other words it's a mess.

[@twdjt6245]

Not everything is some massive conspiracy. Jeeze. Rent in general is a scam. You pay over and over and over and get nothing to keep. You’re basically paying someone’s mortgage. Get your income up somehow and/or decrease your expenses to a bare minimum, get/stay out of debt, and save up money buy housing in an affordable decent area outright. Problem solved. No more landlords can change your life from year to year asking for 200$ more per month for the same place. Only thing you fall mercy to after that is taxes. Even if property value increases significantly as they have been for a few years, going from 1700 to 1900 for example, is not that big a deal at that point.

[@designhub360customapparel]

Yo I never thought about it that way, 😯. It is pushing more people to the midwest. I been thinking about moving back to the midwest where I am from.

[@sb-hg6vx]

I love how Dave is with this lady.... I wonder how she is doing now? ❤️

[@QueenBeeBeautyXO]

This woman needs to turn this guy in! My granddaughter died from mold! She needs to GET OUT ASAP!!

[@lifeaccordingtoatlas1852]

GIRL. I felt this call in my soul. I also live in the Atlanta area and rent is just insane.

[@jamie49868]

That is why I tell everybody who can to buy instead of rent. With a fixed mortgage, your payments never go up. Sure you have taxes, maintenance, and insurance, but those go up slowly in most places, and certainly places where cheap housing is. That doesn't mean go out and buy the most expensive place you qualify for. A $100,000 home with 5% down will cost you around 650mth, certainly cheaper than most apartments. If you live in middle America, 100k is a decent home in a decent neighbor hood. Then you get equity after a period of time, tax breaks, and stability. Or you can keep paying increasing rents each month.

[@cjmoney8796]

650? My house was 115K, the note is between 1000-1150 a month depending on how much my insurance and taxes are that year. don't let these mortgage calculators fool you.

[@annwilliams6438]

What a lovely lady... what Dave wants you to have is a vision. To not feel like what you have now is what it will be like for the rest of your life. He wants you to see what kind of life you can be living five years and ten years time. Going on the course will put you in contact with other people building their dream lives and provide encouragement during the 'knuckle down and pay off that debt' times -and beyond. Best wishes and pls give all the DR fans out here an annual update. We are pulling for you sister....

[@kbcinmedusn]

Man I feel for her! I'm so sorry! It makes me feel blessed!

[@tiltedcrownz9044]

I really love his approach and how he teaches you to manage your finances and also directs ppl in the right direction

[@tiltedcrownz9044]

Single mom trying to make sis I can relate I'll keep u in prayer. Your doing a good job

[@Ant0417]

I’m rooting for this lady. She’s really trying and working hard.

[@barbararadle1680]

I think all these seminars about being a real estate investor and get rich that way flipping houses and all that jazz has contributed significantly to astronomical rent increases

[@aidancash1]

She needs to take a breath. She makes excellent monthly income. Once she gets on a written budget she will be fine. She has a child I don’t think living in someone’s garage will work for her.

[@sbrazenor2]

Christine C I feel like she's wasting a lot of money. I have a mortgage and car payment that work out to the raised rent she'll have. I also have a larger student loan and a credit card balance. I can still find about $1000-1200 per month to work my snowball. I make about the same amount as she does and commute farther. (Gas isn't free, obviously.)

[@mlmson7098]

She does need need to budget better but the rent is still to high. 40k from one job then 30k with the other job is 70k before taxes, and insurance. To net $1,000 a week you need a 75k salary according to payroll guru. That does include insurance. That is just taxes. Even a single child is a nonstop expense. Now go look up the average rent in Alpharetta. If she did not have the student loan and budget better, things would be better for her. With all that being said, that is still to much money to give away for rent to keep a roof over your head. Your basic need. Healthcare and a roof. Where are we in America when we overcharge for the necessities? I believe that this woman can get through this.

[@7resist7tyranny7]

Don't even get me started with rent here in Socal

[@Cahluvca]

INDEED! Had to move and buy a house in the desert of PHX. The taxes just drive crazy and I was making over 6 figures

[@dreamingfool2]

7resist7tyranny7 I live in San Diego, I here you man! It's crazy! Average rate for a one bedroom in a bad area is $1400! That's why my family and are hoping in a rv and leaving California. I'd rather survive somewhere else, than struggle just to get by here.

[@MegaBecks1981]

2100 for a two bedroom apt. Houses start at 550K - and that’s for a 60 year old shack in a mediocre neighborhood.

[@rhondaeaton4708]

We rent a mobile home in Orange County $2,050 a month. Left a 2 bdrm apartment to move here, rent price almost the same but at lease no shared walls. We're stuck in So Cal for now, but when we get the chance to leave, we're outta here. No chance to get started owning a home in So Cal anymore.

[@nestlund]

$2000/mo for a mobile home? Crazy.

[@EdwinRodriguez-zt5fx]

Awesome call, 20% rent increase over a year is not reasonable. Is not a secret how affordable housing is becoming scarce, especially in the South. That been said, you're paying to live on someone's property so you have no say in that. You're a hard worker, keep your head up and keep grinding.

[@sct4040]

s3nior Rodz Can not agree with you, 20% is ridiculous, usually 2-3% a year here in NYC.

[@caraflanagan1939]

Rent here is $700.00 to $1,000.00 something and we don't even have a washer/dryer in any of the units nor a play ground for the kids in the complete nor a gym in the complex. If we did have those things and they were always nice then I could understand the cost of higher rent. So like I said who is pocketing most of our rent money?

[@canadianjatti]

this is why you need to BUY instead of keep renting. In the meantime live where it is cheap and consider a room mate or 2. Every extra penny should be saved for down payment. Buy and be free from this mess.

[@YabadabadooMrMagoo]

In Virginia Beach Virginia at a city Council meeting a resident spoke up and said I came out of retirement because I had to pay higher taxes for my property. I know work two jobs because the taxes keep going up there are only so many hours in a week to work and you keep raising taxes. How are we supposed to afford to live in our homes ? To which the city Council member replied get a third job. It is disgusting to see the lack of empathy and greed taking place in our society forcing people to work three jobs just to eat and sleep. I say fire every single politician who doesn’t work out a plan to lower your taxes, although this is an unrelated issue the common denominator is greed.

[@susansauls8902]

Finally! An honest caller who answers truth when Dave asks her how she is doing.

[@ajcreations7558]

I feel so bad for her

[@joshx413]

Party Creations & Home Living by Josie she makes $70k/year and can't afford $1000 rent?! She's got some horrible spending habits somewhere.

[@highlyfavored2434]

@@joshx413 Well pretty sure that doesn't include utilities,her child expenses, student loans etc. But yeah beans and rice, cutting out nails etc as Dave says should do the trick. Other single moms have several kids with less income and make it work

[@idbountyhunter]

Dave won’t put down the landlord for raising the rent because Dave’s a landlord. I had a great renter and I kept the rent the same (yes, I made money still) until I sold the house.

[@vicepresidentmikepence889]

OB TC Because Dave is a capitalist, everything Jesus teaches against

[@sagyobi]

Lord Beasley thats how you get ahead in the world

[@vicepresidentmikepence889]

orion Orji Jesus wasn't about getting ahead. Jesus was about helping the poor

[@mikenelson8377]

The landlord isn’t the issue though. Yeah, it sucks that rent is going up but the student loan is slamming her face to the curb and I didn’t hear anything about child support which probably means she doesn’t receive any.

[@Cahluvca]

Im a landlord also and this world is about profit and many have to adjust or come to the realization they will have to keep moving to find more affordable rent. Its like this all over the country.

[@landlord5552]

My first priority was pay off my house. Done at 43. Happy days! No rent ever again.

[@vanmamawannabe6360]

God bless you Dave. You really “heard” this poor Mom. She needed a friend.

[@thecommentmonster]

This lady is so inspiring!!

[@dawnglessner7432]

I’m so impressed how Dave doesn’t judge people. This is why I’m doing the Baby Step method the Dave Ramsey way!

[@lastchancehomestead6813]

People are going to find themselves homeless if home prices and rents keep rising.

[@commonsense8045]

Nbs

[@That-Wanderer]

OMG, I felt this girl for sure

[@sabrinaestrada3590]

Awww I feel for her. Lord knows it's tough to be a single parent.

[@dennisbuckner6259]

Wow! These are some amazing rent responses. Here in Salt Lake City where i live the average rent is 1200 dollars. However they cant raise rent by no more than 5 percent a year if you are currently living there. As far as affordable goes, I don't know what that means. One person's affordable is another person's unaffordable.

[@Feanor1169]

In Christendom, historically, the charging of any interest (no matter how small) was considered usury and strictly forbidden. In addition, the money supply was strictly controlled by the government (kings) and religious authorities ensured those who made money from simple having money were looked down upon.

[@QueenBeeBeautyXO]

LEAVE THAT HOUSE ASAP!! Mold will kill you especially if your immune system is weakend,or you have a baby. My first granddaughter died from toxic mold and the mold was unseen because it was under the caret where no one could see if. Even if your not a child or a healthy adult,MOLD CAN STILL KILL YOU!! This lady should call the city and have them inspect her apartment asap!!

[@crusindc5282]

Now, you see what creates homelessness: lack of adequate income.

[@aureliusmarcus1817]

No, lack of adequate PLANNING.

[@peartfaldo]

70000 isn't lack of income.

[@mrfred1000]

And you see what creates ignorance, ignoring of the facts. This woman makes $70,000 and can't afford $1000-$1200 rent? *Eyebrow raise* Do you want to have an honest discussion about the numbers involved here and annual salary or will you just sit there like the 16 likers you have and ignore the facts and keep perpetuating this idea that homelessness *In Wealthy nations like America* is a problem due to cost and not behavior? If you watch Dave Ramsey that means you hear couples making $200,000, singles, men and women, young adults, the elderly in all various scenario's crying that they need help (and they do) and they are of all races and all situations. What's the common thread? Their behavior. Spend too much, debt, loans, cars etc. Someone has got you fooled, ask who that is. Who told you what you believe. You were not' born believing what you said, when did you believe that and why.

[@michaelblasius7705]

Having children with men who don't stick around is a huge factor too.

[@taybarrett2893]

Wrong. 99% of the homeless population struggles with drug addiction.

[@itonner231]

How is Takisha doing now? I hope she’s making progress towards her goals. God bless her.