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[@stevennovakovich2525]

Jade is a rock star. Smart, witty and very beautiful. She is the total package and I'm so glad she's on Dave's team.

[@sendit3251]

She is not

[@shaylaahava6413]

Me too!

[@DNaupari]

Ditto!!

[@DNaupari]

@@sendit3251she sure is!! ✨ 💖 ✨ She’s a GEM!! Love you Jade, get it momma ✨

[@josephbanks9897]

I agree. Jade is a rock star and a great addition to this show. U are gonna have haters, prejudice and jealous peoples every day.keep doing what u do Jade. One thing for sure, facts can't be denied. But people try every day.

[@merrilynhurd850]

Oh my gosh! I am 57 years old and have never had my nails done professionally. When I did do my nails, I did them myself and used store bought polish.

[@superman9772]

well, it's better to not have done your nails than be chewing them off because of bad financial decisions...

[@grod805]

And professional done nails are so disgusting. There i said it.

[@jaypie0864]

This call isn’t about nails! This call is about mindset and behavior.

[@time4advancement244]

Exactly. I think many have missed the essence of this call

[@tubenachos]

Nails is one of them. Pedicure, hair salons, high fashion shopping, etc. She's spending way more than she says 💯

[@alinatamashevich3354]

Definitely

[@aaronalquiza9680]

6:38 Dave's body language was like "There it is. BOOM. Nice catch, Jade."

[@PCKA1987]

$66k on the car. Wow. Grateful for my 2006 Durango. Just got it detailed yesterday. It feels great. Freshened up. And paid for!!

[@georgewagner7787]

Wow my beach house was less, 65k. A long while ago of course.

[@MikeNapoli1989]

Insanity. I don’t have a car. Live in NYC. It’s so nice not to have car payments

[@Sexy40baby1]

I'm scared to see the price of vehicles in 7 years from now. Not everyone can keep driving the same vehicle for 10 years nor does everyone want to.

[@rebeccaoprea9917]

@@MikeNapoli1989everything is a trade off.

[@alinatamashevich3354]

@@Sexy40baby1 Gonna have to!

[@krobdawg]

Can't believe this was a real question. Thought she was kidding at first lol

[@ginab.4605]

I was spending $130 every two weeks. I do my own nails now and I save tons of money. Plus I hated being in the nail salon for 4 hours out of my day. Being there wasn’t relaxing, it was chore to me.

[@jimroscovius]

I'm glad you learned how dumb that was!!

[@LadyCaroline123]

@@jimroscovius Know what else is really dumb? Putting mascara on eyelashes. Eyelashes are actually there to protect the eyes. Can’t stand looking at women with tons of eye makeup on.

[@JustinCase780]

"I work in a professional industry..." There is the mindset about needing the stellar appearance with everything.

[@alinatamashevich3354]

Wonder what that is.....?

[@JustinCase780]

@@alinatamashevich3354 😅😅😅

[@alinatamashevich3354]

@@JustinCase780 That comment from her was SUS AF

[@JustinCase780]

@@alinatamashevich3354 🤣🤣 yep! 😂

[@listerinr]

There are professional OF content creators 🤷‍♂️

[@Yogastrong908]

Dave nailed it. The fact that they aren’t on a budget is the issue. Yes the husband is almost certainly spending frivolously as is the wife. If they actually got themselves disciplined this debt will be a big fat nothing burger.

[@GeorgePanga]

I’m just here to appreciate your pun just in case no one else does.

[@ucbearcats1978]

No pun intended?

[@KattryyyneLAikoO]

Sally Hanson ' hard as nails' in the gold or platinum bottle is the best!

[@MikeNapoli1989]

Money doesn’t cause things. Money Magnifies what’s already there. Good and bad. Money isn’t the problem, it’s the symptom.

[@alinatamashevich3354]

Like Coke, magnifies the personality.

[@saelaird]

Hard nail coverings are applied to make the underlying nail more brittle with each application, increasing the need for further applications. Scorched earth approach is needed. Let them grow out fully (6 months) and keep them natural. EASY.

[@codys5727]

Maybe the BMW is the issue. She's going to keep up with the Joneses as long as she can.

[@Themoomabides]

“What’s your household income?” “Sell the car” Dave’s contribution to every conversation finds it way in!!!

[@alinatamashevich3354]

'Cause it IS the problem!

[@luisvigo3777]

Took me about 5 months to learn to properly give myself a haircut. Saved around $120/mon not going every week. Clippers was a 1x purchase of $35.

[@johnsyler8580]

I do mine myself. I stay with the Army high and tight.

[@jeremyrich2407]

I started buzzing my head so I didn't have to learn 😂 clippers one time buy and forever saved money on haircuts

[@michaelmurphy2112]

They do need to be replaced once in a while. I think my first set of clippers lasted 10 years or so, but they're used for me and my two sons on a monthly basis, so that comes out to about $0.10/haircut, give or take a bit.

[@jimroscovius]

I get my haircut every 9 months or so.

[@jacksonbilly9979]

I bought clippers and give myself a 3/4 inch haircut every month. Cost me maybe $50 and it last me years. Took me 5 seconds to learn and 5 minutes to do

[@buckibanker]

They dont know where their money is going, guarantee she is doing way more than nails.

[@cherrypieforbreakfast1499]

"The budget is like bloodwork" I love that

[@davesrvchannel4717]

Ladies read this. Me and some buddies had a discussion about lady’s nails. Guys are not impressed with nails. If you’re doing it for the guys, wasted money. If it’s for yourself or to impress women keep blowing the money on something that lasts 2 weeks. While I’m at it, stop plucking off your eyebrows

[@cleliaparnell8743]

😅

[@annejie]

As a woman I totally agree with the nails part. But believe me - you don't want to see a woman with undone eyebrows 😂😂😂

[@davesrvchannel4717]

@@annejie they don’t need to look like caterpillars on her forehead but looks stupid to see a woman pluck them off and draw them back on. When she gets out of shower she looks weird without eyebrows

[@eurekahope5310]

Nails are brittle from over treatment! Go without for a few months and they will heal.

[@mohnishsial8142]

It's a luxury. Just like getting a massage is a luxury. You can rationalize it any way you want that it's needed for your profession etc. But it's a luxury for aesthetic purposes.

[@unclebenny]

This call was like nails on a chalkboard.

[@superman9772]

good one

[@janetchang1527]

Getting nails done is not a need! Get out off debt first ! I’ve never had my nails done and never will as it keeps my nails healthy (frequent manicures can weaken your nails)…….had colleagues who were broke yet these ladies got their nails done all the time because they think it’s a “need” 😮 …the cost for getting nails done outside can really add up … really expensive long term😂

[@alqoshgirl]

Don’t really get all these women that do their nails either. Don’t do it myself. And I think you’re right. My nails are pretty nice naturally without any extra work

[@michaelatheharpist]

Seriously! I just keep my nails trimmed and they look fine (never had someone look at them and faint!). I only notice people's nails if they're super long and noisy or maybe if they're really sparkly. They might look pretty but they can also be off putting. Natural nails are the way.

[@HOLDXSTEEL]

Always the guys’ fault not the girl with the new car

[@DJRiyzen]

He would have to co-sign that car loan. So yeah, it's his fault.

[@champabay4746]

Are you ok bro? Not all women are out to get you

[@Extremaduur]

@@DJRiyzen Not necessarily. She could have qualified for the car loan on her own income. But yeah, it is still possible that he co-signed.

[@unclebenny]

Nailed it

[@Tank-vi2dv]

​@@champabay4746just 84% of them

[@David-wo9un]

So entertaining; Jade is such a treasure and one of my favorite personalities as she is so relatable. I love how Dave deferred to Jade when it comes to hair and nails!😂

[@heathermetz6576]

Fortunately, my Grandma learned how to do nails in the 1960’s and she taught me how to do my nails. Even when she worked for the post office, she still had fabulous nails. When money was tight, she taught my Grandpa how to dye her hair with home kits. I budget getting my toe nails done and try to maintain them as long as I can.

[@untouchable360x]

$200k a year and $15k in savings?

[@MikeNapoli1989]

Same question I have too. Money is not the problem. It’s the symptom

[@Tashas_Travels]

Instead of it being the opposite 😢

[@freakymrq]

That could be fine if that's their emergency fund for 3-6 months. Savings=\= retirement

[@furryplantsandcoins9070]

She's probably going to the the expensive salon and getting everything!! That's crazy! She should have way more and savings than that!;

[@alinatamashevich3354]

@@furryplantsandcoins9070 Pick a color!

[@johnanderson8385]

jade is SERVING...PERIOD!

[@MrsGladysz]

Constant use of acetone and the UV lamps involved in gel manicures can weaken the keratin in the nails and cause a rough surface leading to brittle nails and even breakage

[@fsmoura]

_Dave blames the man, more news at 11!_

[@Alessandra-ec2hr]

I teared up when Dave told the story about the guy who sold his prized knife collection

[@dagoverstreet8865]

Dip powder? My mom did her own nails and still does, she is 80. Finger nail polish remover and emery board and nail polish. Less than what is going on now days and none of it is necessary.

[@LioraLand1]

There are several types of nails now. Unfortunately in some circles you are not finished till nails look good. Once I got gel nails and it ruined my actual nail. I stopped that cycle right then but it was hard to live with for about the next 10 months!

[@heathermetz6576]

Absolutely! My nails when they are done by me, always look professionally done. My Grandma taught me how to do my nails because she was a manicurist in the 1960’s.

[@AbidingHopeMentalHealthCoach]

Dip powder is hard to make look good, if you don’t know what you’re doing. I bought some, but I have yet to make it last more than about 24 hours. The dip polish starts to crack, and then ship off. It can be really frustrating. One of these days, I’m going to save up some money (I have no debt) and go get my nails done with dip powder, but professionally. I will pay attention to the process and ask questions, and then maybe after that, I’ll be able to do my own at home.

[@autumnjerene]

She said she had weak nails. Nail polish at home isn't going to do anything, but chip the first time her nail gets bent backward on itself.

[@davidpaul9961]

At the end it sounded like she was celebrating if they stop retirement that she could keep doing her nails 😂

[@furryplantsandcoins9070]

Here's a tip if you want to cut your salon trip cost. Go to your local tech schools that are doing the cosmetology. Sometimes even the colleges have them. You can call the school and ask for the cosmetology department and be able to make an appointment. I only paid for the supplies when I got my hair dyed. And I think the haircut was $5. They are dirt cheap and it helps them to learn! Yeah are they an experienced sure but they're learning! Some of them are really good at what they're doing though!! Please help support your local high school and colleges!

[@whitneyfullerton4897]

I do my own gel/ dip and they turn out just as nice as the salon! I spend nearly nothing on materials and they can be used multiple times. I only get them done for special occasions.

[@mariorta5017]

I do my nails, hair and eyebrows. I also do my own shampoo, deodorant and Toothpaste. 😅 I was 320k in debt and we decided to get it paid, last month we just did our last mortgage payment. So, screw salons, I prefer my Roth Ira to get fat and my savings to go up each month. But, I guess people have different priorities 🤷.

[@racheln4309]

Same!

[@markg999]

You are in debt no you cant. Otherwise keep doing what your doing and embrace your life of debt.

[@jennyberger6688]

Dave is a wise and amazing grandpa. I do wish my kids had even 1 grandparent.

[@hadenanderson563]

What happened to the grandparents?

[@anttoronto3202]

I never get my nails done. Nothing like short nails, maybe a light polish, soft hands. So classy.

[@963janet]

I am 69 years old and never in my life have I had a manicure or a pedicure. I do a lot of gardening and work around the house. That is just such a low priority for me. There are so many other things to be concerned about than what my nails look like. I just don’t get it.

[@cleliaparnell8743]

You don't get it because you aren't worried about impressing other people!! 😊

[@LioraLand1]

Once someone gets gel nails the nail is RUINED!! I did ONCE for a special event- that’s it for me!

[@ruthirwin8222]

Absolutely, i paint my own

[@gina9684]

Me too..never again.

[@Chele-nm4qx]

I've been debt free for a year now & have long beautiful nails- I cant do gel as they destroy my nails, so I paint them myself!

[@ryanetherton]

I liked that story about the knife collection. Inspiring.

[@lorimendenhall9633]

I use Press On nails. They last 2weeks. Let my nails breathe for a few days. Love them.

[@slonikvasa]

I’ve been doing my own nails by myself for my entire life and that includes polishing, cuticle removing and gel. I’ve probably saved over $20,000 in 15 years by doing it myself plus lots of time that I don’t have to spend on driving to a nail salon and back. I only do it professionally when I have an important event.

[@John3.36]

You can get your hair and nails done with Dave's new formulaic blend, "Beans and Rice". Available at a dollar store near you!

[@MrsGladysz]

Acrylic products can cause damage to the nails themselves. They may cause a condition called “worn-down nail syndrome,” which involves the thinning of the nail after exposure to acrylics and nail filing.

[@ibarix]

caller: - i have brittle nails... dave: - what's your household income? 😂😂

[@janishood1138]

I do my own gel and polygel and dip powder, much cheaper just takes some of your own time

[@betitos11]

Its so stupid to ask this.. what a waste of call 🙄🙄🤬

[@Overbuilt.Gaming]

Dave's technically wrong here. They make $200k but they don't get to keep $200k. You have to pay taxes. $38,400 comes right off the top. Another 36k in house payments. Another 30k in their 401k. These people said they went through FPU during Covid. THEY FLUNKED BIG TIME!!! They are down to 95k and no wonder they are worried about the BMW. What they should be worried about is the local church doesn't have a FPU course soon enough!

[@alqoshgirl]

As a woman I really am just as shocked as men why people get their nails done 🤷🏻‍♀️ I got no desire for that. I got pretty natural strong and nice nails and just paint it at home. What a waste of money

[@kristaw2686]

I buy $5 fake nails and they last me two weeks. I'm with you, sis. Don't get me wrong, if a person can afford it, go for it! But the number of broke females out here spending $100+ a month on fingernails and eyebrows is so crazy to me.

[@mhodge0890]

@alqoshgirl I guess you answered your own question she just said she got weak brittle nails and you don’t soooo idk

[@RusskiCommieBot]

Layoffs are coming. Don't get too comfortable spending money.

[@margaretstutler2873]

Every 2 weeks isnt always necessary. I get mine done every 5 weeks. Just depends on the salon.

[@mandysimmons2769]

I color my own hair and cut it too. But I had a fancy style I'd train a friend to get my nails did. I can't do my right hand any way.

[@dnah02]

Wow

[@soccer3564]

my wife bought the gel dip powder and saves us so much money

[@user-mv9tt4st9k]

Fifty dollars every two weeks? Oh my... The nails. 😂 After the learning curve, it is actually easy for women to do their own acrylic nails at home with a kit from a professional beauty supply store. The kit should include an antifungal base, and two-part acrylic (activating liquid dipped into acrylic powder used to fill the cuticle or build up the nails), forms for extending the nail length, and a fine applicator brush. Additional supplies are cuticle nippers, cuticle pusher, a mask, and foam core nail files in coarse and fine grits. The process: Use the cuticle nipper to chip up loose acrylic at the base of the nail. Paint the nails with antifungal (this step is important). Then dip the fine brush in the liquid and use it pick up a blob of the powder. Apply and smooth the blob of powder at the base of the nail to blend with the existing acrylic. The cuticle pusher can be used for shaping and detailing. Sand the hardened acrylic to blend into the existing nail. When everything is smooth, paint the nails. If a nail chips off, create a new one using a form. I did my own nails when I was bank teller because acrylic nails were not in my budget.

[@Ewalk.213]

How in the world did this turn into an attack at the husband 😂😂😂

[@Sexy40baby1]

Husband ~ men should never let their house be in disarray. Since the beginning of time, men took financially care of the household ~ how can u do that if you don't know what's truly going on. Yes women take care of themselves now, but the things of the past never goes away.

[@gwalter]

The man leads the house. He is the head of the family and should make the big decisions. When it comes to the home, I make the decisions and mum and the kids follows. Obviously with advice and talking to mum and hashing it out. But whatever happens, I take the responsibility. That's why we are leaders.

[@tcgtpl]

Because the Ramsey Simpin’ Solutions Team will very rarely blame the woman. It’s almost always the man’s fault.

[@listerinr]

And if the man takes control of the situation he's being a dictator smh

[@gwalter]

@@listerinr well... men should be the leaders. Depends on the type of woman you marry. 🫣🫣🫣

[@m00nlander82]

Afternoon sir is a way I can get hold of you I have a few questions to ask you

[@eplugplay8409]

Crazy they only have 15k savings and earn 200k a year. We earn the same and have 0 debt of any kind, paid off mortgage, and max out our retirement fund each year and even fund a taxable account each month and have 2 years worth of emergency fund saved about 10x the amount they have. And that is not counting our retirement accounts. As our income changed we didn’t change our lifestyle all that much. Maybe eat out a little more than before. We are also millennials.

[@janelleg597]

The real questions

[@metaltera86]

I’m fortunate enough that my wife is allergic to getting her nails done and she just purchases glue on lol

[@jocool562]

I laughed out loud when he mentioned her husband is still buying tools at home depot 😂 that was me! I had to put a line item for that eventually 😅

[@lkj0822g]

A $60k car probably not the best decision, and if they want to downsize to a lesser vehicle, go for it. But no need to go scorched Earth and drink the Ramsey Koolaid on this one. Yes, get on a budget, allocate for the pedicures and gym memberships, but do not cancel the retirement investing. Does your employer provide a pension? No? Then pausing retirement savings is doubly stupid. Without a pension to rely on, 15% investment rate is probably inadequate.

[@Tashas_Travels]

So $100 a month on nails which she'd throw at that debt. Thats $1200 a year paid off. I am a nail tech , i don't even do my own nails, i don't even go to other nail techs to get them done either, my nails are always bare, my nails break like crazy too by the way. Just get a good base coat,gel colour and top coat and paint your nails until you're out of debt ❤, your nails don't have to look perfect.

[@xFD2x]

Could I like your comment 10 times, I would do so ....

[@Cristobal8605]

1:37 😂 love it 😂

[@thehussarsjacobitess85]

I cut my own hair. Oil my own cuticles. Buy secondhand clothes. This is so doable.

[@serendipitybymelanie6077]

Nails, makeup, hair, pedis, coffee out, all puts you in debt

[@jimv77]

Anyone here still super deep in debt but still spends money getting their nails done at the shop regularly like every 2 weeks (besides for special occasions of course)? What is your reasoning besides "I deserve it"....? Just curious....Several people at my church do nails as a side hustle in weekends and customers can easily spend $200+tip in one visit....shocking!

[@laneyluneva]

Certain professionals are expected to look and dress a certain way. Executives and business leaders, in person sales, any kind of fashion or cosmetology, etc. This includes everything down to nails looking nice and professional. You don't have to overspend though. It's not always "I deserve it", it can be " I have to maintain my image."

[@RichardTouchfaith]

@@laneyluneva My male cousin is a dentist and said he has to do his nails to look professional--though they wear gloves. That also includes hair salon, automobile, and huge house. High pay career, high maintenance cost I guess. I feel for the new wannabe realtors who think they need a nice car as a realtor image and aren't successful in their job. I guess without them Dave would not have callers and content and we would lose our on entertainment. Software Engineer working from home in boxers and a tank top here.

[@robloxvids2233]

Vanity. It's a facet of narcissism, which is literally a mental illness. But for whatever reason society celebrates narcissism (Trump, Kanye, Kardashians, Coach Prime, on and on...)

[@pnwflipper2089]

I have never heard anyone in any profession say that nails need to be anything other than clean and neatly trimmed.

[@alinatamashevich3354]

200K, and only 15K in savings? Girl math.

[@JasonGroom]

And of course Dave makes it sound, to the caller, that it is all her husband doing all the spending. Likely, he is spending a lot of frivolous money, but more than likely, she is too, but he just gave her vindication that she is not the one responsible.

[@TharsanJeyachandran]

lit ep.

[@hobbyhive]

I do my own gel nails for years, I’ve just upgraded to a two handed lamp so I can halve the time. This lady has a huge potential budget but her priorities are skewed when she brought up the car crap and “professional industry” which is code for “I want to keep up with the Jones and I want to justify outsourcing beauty treatments instead of learning to do it myself”. I miss having the money to outsource my beauty treatments but it’s worth it to stay at home with the kids and start my at home business

[@scratch57]

It’s an extremely indulgent luxury. No men at work are judging your nails, guaranteed.

[@kendrapratt2098]

TJMAXX, Marshalls, and suchlike places have OPI, Orly, and Essie polishes for $5 or less. I also have friends who’ve had good results with the dip powder kits from Amazon, strangely enough, lol

[@Will1998]

Lol. It’s great Dave is old school about everything.

[@michaelhinkley2598]

My fiance out of the blue decided to try and do the dip powder nails herself and to her surprise she did a great job and enjoyed doing it, me being the numbers guy I put together her costs if she was to get new color and not buy in bulk and it came out to less than $5 and lasted 2 weeks easily. Now we are in the ideas of her and her girlfriends creating a club for only $40 a month where they drink wine and gossip while she does their nails while me and the men enjoy our cigars and bourbon.

[@robloxvids2233]

We make about as much as them and will put away like 82k next year. This woman is just high maintenance, that's all there is to it.

[@mochaalmond8717]

I have 23 % in retrirement i can’t change it it in the contract

[@jimmymcgill6778]

She does not need to sell her car. Do not stop retirement. Of course, they have to find a way to blame the man.

[@djpuplex]

He's investing for retirement she's getting her nails done. She bought the car and probably the overpriced house. It's all his fault for investing and not paying off her car. Dave you are a treasure.

[@MaynardGKrebs-tt1dd]

Last year my wife took me for my first pedicure and manicure. Two weeks later my nails looked the same as when I cut them myself. It is definitely an unnecessary luxury.

[@Sexy40baby1]

And that is why you have to get them done Every Two Weeks. 😆

[@jimmymcgill6778]

This call is a joke. You can buy your own nail polish.

[@bigherm70068]

Buy

[@Tank-vi2dv]

Not everyone can buy their own nail polish

[@scroogemcduckismyspiritanimal]

​@@Tank-vi2dvhow expensive do you think it is?

[@ajones8008]

Damn, Jade looking extra hood today!!!

[@laneyluneva]

Dave wasn't having this caller 🤣🤣

[@georgewagner7787]

Save up for a car, it's not that hard

[@MikeNapoli1989]

It’s not Hard. Just time consuming and people don’t have patience, that’s why they make bad decisions

[@FTG2Eli]

At 65 I feel for the women that feel they need extravagant manicured nails in their industry, especially since I got lacerated by a bank teller one day as I was handing her some documents. Since it was during COVID, I went home to wash my wound. I really liked her, but I let them know what happened only through the 'how was your last visit to our branch' email I received. I wish that women felt so much more valued without the extra stuff. Do men like the long nails?...........just wondering........... I tell my students they should be saving their money.

[@TheSarah89]

Do NOT do the dip kits at home. anytime you get your nails done in that way, you’re opening yourself up to getting an acrylate allergy and it’s way more likely at home and it isn’t something you want because it’s in everything. Do you want to be allergic to everything? Don’t do it.

[@RJRussoVids]

Americans waste so much money on vanity services. 🤦‍♂

[@felipeoliveira2219]

How many times Dave cuts off the other co-host or guest?

[@jalenmalone7808]

$16,000 a month and her main issue was wondering if she should cut the $50 nails out the budget? That’s obviously not the problem 😂

[@LadyCaroline123]

Her nails are probably brittle from the nail treatment if she gets those fake nails. I had them once. Never again. Have nothing against nail salons- I get a pedi two or three times a year, but during the winter I don’t have anything on my nails because it’s very bad for your nails.

[@christopherpaige406]

None of this matters!!!!!

[@ruthirwin8222]

On 200000 a year , and needs to finance a car

[@clarifyingquestions]

If you are in debt, you cant do anything . This is the entire point of not going into debt. If you are not in debt, do what you want as long as you have your elderly future self cared for.

[@clairgoecke8264]

I took a fake nails class. Now I spend $30 every 2 months and do my nails every 2 weeks. Like 2 hours of just me time 😂😂 hide from my family.

[@sminthian]

How is this even a discussion? The answer is No.

[@RichMind-2327]

Tricky question, I am all in with allocation as much as possible to reduce debts, but we should also make a balance to small things in life that make us happy as well.

[@willelliott5052]

To ask about a recurring luxury service that costs over $100 per month when you are in Baby Step 2 is kind of silly. Do them yourself, or you could let your husband try. When I was there, I saw every dollar that I spent as costing me interest, the interest that I could otherwise save by throwing those dollars at my debt.