You're $400,000 In Debt! You're Broke!

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[@Gruuvin1]

When people live like they are wealthy, before they are wealthy, they never become wealthy.

[@mikes2974]

Very well said

[@Peter-wd2ho]

True. A fundamental principle as explained in the Millionaire Next Door

[@philsanderson7024]

And then when you become wealthy and can still live like you're just getting by, you become REALLY wealthy.

[@plants4thewin]

I like how he brought up the fact that most people live off of 65-70K per year....great perspective.

[@pep590]

That would be a nice raise for me. Lol.

[@TbirdThunderstruck]

@@pep590 That's per household, so half it!

[@shaereub4450]

I make $28K gross $23,500 net

[@pep590]

@@TbirdThunderstruck Thanks.

[@Bamapride1985]

Just think how wealthy they would be 10 years from now if they took and kept that mindset and made 300k and lived like they made 65k.

[@DG-mk7kd]

Why do these people call? Ramsey's advice is always the same: work more, spend less, pay your debts.

[@beaco2706]

A lot of the calls Dave’s giving the same advice, not just this call

[@justinbowman2126]

A lot of people think they are the exception to his rules.

[@dachicagoan8185]

He wants to flex his income.

[@connormcchicken5915]

Maybe because the remedy is really that simple

[@mrandmrsmoto]

@@justinbowman2126 That's exactly it. "But, but...I'm a lawyer/doctor etc. You can't seriously expect us to live like average people. Our lifestyle is meant to wildly extravagant.... isn't it?"

[@elizabethallen4353]

the caller's nervous laughter throughout the call makes me think he's not ready to commit to a fast payoff

[@linuxsurfer2002]

He already knows the answer - he just doesn't want to do it.

[@Musicienne-DAB1995]

@@linuxsurfer2002 OK, so one of those people who calls in looking for a way around the hard truth?

[@linuxsurfer2002]

@@Musicienne-DAB1995 Sounds like it, or maybe looking to justify keeping the lifestyle they have...

[@krassimirpetrov7131]

He’s going to go buy a BMW for sure

[@vincent763]

He has to he’s a lawyer

[@AnnaLexi]

🤣🤣🤣🤣 *_F*ckkkkkkkk!! IKR?!!_* 😣

[@RandomVids519]

And he wont signal

[@seanjean9677]

😭😭😭

[@alp.9672]

Honestly would not be a big deal they could afford a BMW even with their debt. Nobody said it has to be 100k BMW. They could get CPO or New Lease and still pay down the debt in their income. I’m not worried about this couple.

[@Sizukun1]

A nurse and a lawyer need financial help. Yikes.

[@Naturefan354]

Academic intelligence doesn’t always equal financial intelligence.

[@KingdomKillaz117]

@@Naturefan354 Yikes

[@raallen1468]

@@Naturefan354 "Academics" doesn't equal intelligence.

[@justinbowman2126]

Plenty of people that work in finance call Dave about their own finances. Anyone can have money problems.

[@pep590]

Yes, because of the excessive school loans. That would be the case for most nurses and doctors in their early years today.

[@dorothyd2559]

I live in the UK and I was introduced to Dave Ramsey by my American work colleague in 2006. It was the best advice I have ever received. Listen to his show daily without fail and follow his teachings.

[@vanessacaltabiano9775]

I’m in Australia . I honestly cannot recall how I stumbled across Dave… probably KZbin….

[@oscarmedina7368]

So which one is buying the Mercedes and which one is buying the Land Rover? Cause thats how he sounds

[@404TRUCKERTV]

I have friends who played around with 40k in student debt for 20yrs lol. I have another friend who has student loans from the 80s who is now mid 50s, still paying on it, normal state college and a bachelors degree smh. Im with Dave, they got the muscle, because lawyers and doc's are hard working people so this debt thing is nothing. two years will come and go sooo fast, they will be so glad they got it done and behind them.

[@Hamza_Aziz]

Priorities and money cashflow skills matter. Also do people even try to pay cash or try to get scholarships any more, I feel like people are lazy and just accept 100% loans which is dumb.

[@Musicienne-DAB1995]

Good Lord.

[@charlesg7926]

The reality is they care too much for people think to do that. They’re afraid of losing friends or anything like that. Even if it’s a stupid financial decision, and they know that, they still want to try to be cool…

[@Mario22149]

40k debt paid in 20 years. That’s $2k per year 💀

[@shachede6828]

Paying debt it’s not easy! Sigh

[@susanf4857]

I love Dave Ramsey. He doesn't mince words and tells it like it is!

[@DavidRamseyIII]

It will be a sad day when he passes away

[@DaBossk]

Thats racist

[@jameswheat4225]

Gotta respect a man who tells it like it is

[@honorineoussou7686]

Yes delayed gratification is the best

[@9liveslisa]

He will be one of the happiest men on Earth if he gets rid of that debt!

[@jmurr7041]

Why? Because he makes alot of money? Money dosen't buy happiness. American consumerism culture has you believe that

[@tmusa2002]

@@jmurr7041 With all things the same, you sure as heck will be happier with money than without. I've done both; just ask Dave!

[@Allex1991]

@@jmurr7041 broke mans mindset

[@thunderspence8183]

@@Allex1991 why bohther saving right? lol

[@Musicienne-DAB1995]

What Rachel said about *creating* urgency is so important. Just because you don't *feel* the pain doesn't mean you don't have a problem. You need to see early on that something is wrong, regardless of whether it's causing you problems right then or not. It's about having a long-term view.

[@Mister_Hassan]

Fact 💯

[@AlphaAchilles]

Urgentness

[@nadiar.7788]

@@AlphaAchilles urgency. Urgentness isn't a word.

[@Musicienne-DAB1995]

@@nadiar.7788 Look, I am for correct spelling and grammar, but you don't need to belittle someone who is just writing a harmless comment. There's a time to correct and a time to just be cool.

[@quelquun2018]

@@Musicienne-DAB1995 I got your point, ignore the haters.

[@robertthompson5908]

Haha. Dave just told him what to do and he replied “that’s a good way to look at it” and then asked what should they do.

[@ALANAYARSA]

I mean.... he lives in Miami.... he needs to drive a Porsche in order to show off and fill the standard. Being broke, but at least you have the fake face of wealth....hahahaha

[@BitterComments]

I’m graduating law school in six months and I’ll have $80k in debt. Not gonna repeat my father’s mistake by keeping it around!

[@DavidRamseyIII]

Good luck mate

[@clarifyingquestions]

But you did getting in to debt.

[@stewbugz5213]

Get it done!

[@pep590]

@@clarifyingquestions It can't be helped. 80k owning on Law School is in the minority.

[@pep590]

Way to go!

[@RandytheLatheGuy]

You can just tell by the guys demeanor that he's not taking the advice, he's going to stay in debt..

[@jutde]

@A H That's a guaranteed divorce.

[@LittleMopeHead]

So sad they don't teach this in school. Look at all these "smart" people with good degrees and income, and don't know how to do basic math to get out of debt!

[@Musicienne-DAB1995]

And yet we hear from people with fewer qualifications and lower incomes who have avoided many of these financial pitfalls. It's not about where you start, but about which decisions you make.

[@riverdaletales8457]

I mean it’s common sense . Schools should not have that responsibility to teach common sense , that’s something the parents teach.

[@ashtonwashington161]

@@riverdaletales8457 I feel like it’s all a design to keep us close minded

[@austintomkewitz7206]

@@ashtonwashington161 but ash they don't teach us critical thinking in school hahahaha

[@ojames1983]

It’s not even about basic math, more like basic decisions and discipline.

[@benpeter4970]

Thank you Dave my dept is remaining $2,620 to be dept free i can't wait

[@pep590]

Way to go!

[@harryl7946]

Pulling for you!!

[@webfreakz]

Let us know when it's done!

[@robertcohen1888]

When I was going to school I took an accounting class, the person teaching the class was a CPA. we became friends and one day we were talking and he told me about a side class he teaches just for doctors and lawyers who have already declared bankruptcy. The class was how to survive it and not do it again. These are people that have cash flow that would embarrass a midsize corporation but don’t know how to manage their money.

[@deniselittle5558]

Because it's not our income (that puts us in or keeps us out of debt), it is our knowledge about money.

[@robertcohen1888]

@@deniselittle5558 very true and very well said!

[@1981lashlarue]

@@deniselittle5558 It's also about personal discipline like they were talking about with this particular caller.

[@deniselittle5558]

@@1981lashlarue You can have discipline, but discipline without understanding is only going to get you so far. Yes discipline is needed in order to stick to your financial plan.... a financial plan based on learning how to handle money.

[@1981lashlarue]

@@deniselittle5558 So you agree with me that knowledge and discipline go hand in hand?

[@joshuatree28]

I love how Dave is the richest one there telling a high income guy to lower his standards (to win)… all while wearing a jogging outfit. Lol.

[@genxx2724]

His Russian gangster tracksuit.

[@carolinemoore4380]

This is the funniest comment on Dave's channel ever ha ha ha ha so true!

[@MHiggins]

He is telling this high income guy to sacrifice two years to pay off the debt. Dave Ramsey has no debt and is worth millions upon millions of dollars with tons of investments and businesses.

[@tika8747]

@@genxx2724 🤣🤣🤣

[@pricillanakyazze7067]

😁

[@Winnie-Kay]

It's amazing how you can recognize the ones who are going to make minimum payments, on everything, for the next twenty/thirty years. This guy wants that one and a half million dollar house with a dock on an inlet. His argument will be that he needs somewhere to park the boat he's going to get. Not to mention the cars and trucks he and his wife will be purchasing because they deserve it after all the hard work of school.

[@Musicienne-DAB1995]

Isn't it frightening how we can deceive ourselves into making awful financial decisions?

[@oxJORDZxo]

26yo listener from the UK here, thanks for the great advice Dave! Some principles are quite the same over here but the foundation is there to enable me to have much better control of my financial future, so thanks for that! :)

[@ManyMannyMan]

Woohoo. A fellow Brit. Greetings Sir

[@Jenthesaint]

And me! 👋

[@Musicienne-DAB1995]

Hey, I am 26 and I am from the UK. :)

[@oscarp2629]

He got off the call and immediately invited all his friends to a fancy dinner that night - on him - he's a baller - Miami big shot 👌👌🤣

[@romeomk510]

Summary of problem: "Hey, uh, Dave. Yea, I know the rest of the world is dealing with real issues, but my wife and I have more money than we know what to do with. Do you think we should use some of it to pay off this debt?"

[@Jay-rg7bz]

Exactly, Dave I make a million dollars a year and have 500k in debt what do I do,no brains these people

[@Ostro1980]

All they care about is what their friends think....its obvious.

[@yourstruly2803]

The hesitance in the caller's voice... I'm glad Dave listened to him fully though. After his hesitant "yeah", in the past I feel like Dave would usually hang up. But he actually gave this guy a chance to address his other questions about the separate payments. I hope this guy actually listens to them and calls back in two years after paying off the student loans to thank Dave and Rachel for the advice.

[@soumitrasarkar]

"I'm more scared for you than you are" - Dave Ramsey 2022

[@BrandonMinguez]

It’s sad how we encourage people to pursue a higher education while also not telling them how to pay it off when they finish.

[@benjaminfrankliniii9857]

At first I felt sorry for them. Then it turned to jealousy

[@davecopp9356]

I was thinking the same. Not sure why he called if after becoming a lawyer he can´t figure it out how to pay of his debt with such a great income. After watching three videos and reading the baby steps a few years ago, it was clear to me, and I am not a lawyer. Do these people really deserve such an income with such a limited problem solving ability? I admit I am jealous of his income but I would not like to change into a person who can´t fugure out simple math for his income.

[@yoshit9819]

Dang. I owe 10k on a line of home equity and feel anxious. Now I feel better

[@Ja50nkAt]

Just because you have a fancy degree and a fancy job doesn't mean rice and beans is below you if you want to get out of debt fast.

[@clarice4426]

I love it when Dave says his "good lord!" line with people that have this kind of debt, funny.

[@KSCzap360]

I hate when incomes over 100k call in for this BS. I could slap them for how ignorant they are to make great income

[@SymonnePat]

Maybe it’s a way to flex how much they make lol

[@psoteriou3884]

The trouble with many people like that is the more they earn, the more they spend. They try to maintain the illusion of wealth when really... they're broke.

[@colinplett9976]

Can I get a mug with "They're stupid -Dave Ramsey" on it😂

[@JA-zh5xi]

$400k? Man that’s a huge amount of debt. They have a large income. If they live like they’re poor for a few years (which they are) they will be fine.

[@matt9741]

That’s brilliant, Dave should have said that on the call

[@Josh-by9fv]

GET IT Papa DAVE.........I love it, I enjoy when Dave gets in the zone with his stern voice. Dave's a master at his craft, he gets people to wake up and see reality in front of their face.

[@Musicienne-DAB1995]

What I love is that Dave, a multi-millionaire, is more invested in the success of these broke people than they are. It shows he is genuine and that he has never forgotten the mistakes he made.

[@Josh-by9fv]

@@Musicienne-DAB1995 I definitely agree 100%

[@robloxvids2233]

Anaesthesiologists make an ungodly amount of money. They're gonna be multimillionaires if they do it right.

[@IsaacYeung1]

Except she isn't an anesthesiologist

[@genxx2724]

She’s a nurse anesthetist.

[@robloxvids2233]

@@genxx2724 OK, chill. She's still making a shitload of money right out of school. Legit anesthisiologists can earn over 500k per year. It's possibly the most lucrative job you can go to school for. Meaning not counting "CEO", or pro athletes, etc.

[@EvanFrosheiserOfficial]

My question is. What is this guy calling in to hear from Dave? Honestly

[@britneyog9537]

It can be done.. discipline. We've done it. And, we are reaping major benefits now. People need to tackle debt! Man, the freedom.

[@Primitivegarage915]

CRNA and Lawyer? Could easily make half a mill/year if not more with time. Got a CRNA buddy that makes 280k/year.

[@alp.9672]

Yea CRNA makes bank I know one also

[@JW-zd5ry]

yes CRNA makes around 200k/year

[@9770G]

Not all lawyers make crazy money. She can probably make 200k a year as a CRNA but the husband will probably make 100-150k a year. Realistically I wouldn’t see their house income going above 400k a year unless they are both high earners in their fields.

[@Primitivegarage915]

@@9770G good point. On average lawyers don’t make over 200k. My buddy just finished law school and his 1st job out of law school is 60k/year. I was shocked. I had no idea.

[@9770G]

@@Primitivegarage915 ya Dave said it himself he knows a lot of “broke” lawyers. Most lawyers make 100-200k a year. But the wife will probably make a good 200k maybe even more like 250k.

[@luvtotrade2009]

So let me get this straight. They both have degrees that you have to be very smart at (Law + Anestheologist Nurse) and yet they have to call in to figure out how to get out of a 400k debt? It's simple, focus ALL your income in paying off that debt....DUH !!!

[@DaveW74TVN]

That runs contrary to the vast majority of individuals programming.

[@uwone7778]

Book smart vs Street Smart. Not everyone is both.

[@DavidRamseyIII]

Plenty of intelligent people are morbidly obese too

[@Musicienne-DAB1995]

Believe it or not, many people have taken years to accept good advice (like me).

[@WilliamPeytz]

There is a lot of bias. There are thousands of lawyers who know what to do and wouldn't call in, but the one who does is the one you hear

[@karimbennett5651]

I would like to know which portion of their annual income is attributable to which spouse. A CRNA salary seems pretty stable and reliable, but lawyers get fired and laid off all the time. Especially from private law firms that are dependent of constant client business.

[@GR-uc1gq]

Florida CRNA'S start at 150k

[@ystebadvonschlegel3295]

Yah… Yah… Yah…. he isn’t going to do any of it

[@bmaiceman]

I DARE these ppl to try and live on what I make a year!!

[@lavs23]

There's also the scenario that one of them hates the field they're in after a few years and can't leave because they have these loans hanging around their necks.

[@Musicienne-DAB1995]

A great point. Or the wife has a baby, but can't afford to take time off work. Or someone (not necessarily them) gets sick.

[@xiomaragomez6649]

That sucks if they don't like the field of study but until they pay all that debt, they have to keep their current careers.

[@itsfrancob]

@@xiomaragomez6649 happens more often than talked about.

[@ignitionSoldier]

I make 200 million per second and I have 100 thousand in loans. What do I do Dave? Is I broke?

[@patty109109]

Sell the truck.

[@Kaodusanya]

@UCGzoGC3kDa-5U2Yrm5vBTZQ beans and rice beans and rice

[@waflletoast11]

ecir rice and dna sneab beans

[@btidinky]

Deliver Pizza's, Uber your mom around..... Side Hustle

[@throughmyshadow]

Sell the wife. Sell the kids.

[@Aristaifly]

They didn't even ask if this is all of the debt. He only said about student loans.

[@user-wc2ho7im7j]

They don’t care. They just want something to talk about.

[@brethitmanhart275]

Rachel's face is brilliant throughout this

[@genxx2724]

Someone she likes must have been in the studio.

[@JakeStewart1343]

@@genxx2724 yeah her husband visited that day

[@killamatrix1]

He living above his means that's what's going on

[@fhuber7507]

Live on $30k a year. You can do it. You can live on LESS...

[@dr.bradshaw]

In Miami? Good luck

[@markburnham7512]

No couple making $300k will live like they make $65k. Full stop.

[@Tristin471]

“We ain’t going to the grocery store, WE’RE BROKE!”

[@pep590]

Funny as usually Dave asks, who's the doctor or lawyer? Dave left lawyer part off this time and one of them is a lawyer.

[@cheeveka3]

I love how they seemed very happy until they mentioned student loans 😂😅🤣

[@dialac1]

This is insane. I’m a travel nurse and making more than both of them combined. They need to work more hours bro.

[@johnallen3497]

Where does a travel nurse make $295k?

[@trenthines9636]

@@johnallen3497 I know some making 10k /week with travel contacts in texas and New York. Its insane even at my hospital I'm making 15-20k a month with overtime contracts

[@webfreakz]

@@trenthines9636 I think it's nuts but... Good for you!

[@alinatamashevich3354]

Lazy attorneys are broke.

[@lusfit6903]

Holy cow! I’m jealous

[@tmusa2002]

So happy to be from Iowa...you can definitely find a place to avoid the fancy lifestyle pressures...but it sounds like Miami might be worth an eye-opening visit! :)

[@pjdurkin8582]

Lawyer and a Nurse making 300k. Cry me a river

[@bettysmith4527]

She is a CRNA, not a staff nurse, big difference. They worked hard, and are in debt up to their eyeballs, it's not like someone just handed them their careers.

[@pjdurkin8582]

@@bettysmith4527 uh huh

[@lotteryplayer]

Pay it off in three or four years. Enjoy life, take a vacation and buy a practical car if needed. No reason to go scorched earth as Dave calls it. Life is to short not to enjoy every day.

[@healthyfixation]

Walking around with backache I love that comment

[@motoryzen]

Cost of living estimate in Miami Florida 2021 was ,before taxes, around 20 percent higher than the rest of the entire state of Florida. Miami is pricey...period.. most of that percentage IS housing cost. Also..taxes.. home.owner's insurance...

[@sarahcox9734]

Also, heaven forbid one of them becomes unable to work and they still have this massive amount of debt...

[@alinatamashevich3354]

You see the reality, Sarah!

[@ashleycruz9871]

I love how Rachel talks about the Miami culture. It is true that we get A LOT of PUSH-BACK here when we are trying to get ON THE RIGHT TRACK FINANCIALLY! It is tough BUT it MUST BE DONE!

[@jeffpadilla9891]

So they have good jobs, you don't need a fancy house or cars until you pay off your debt.

[@anthonykence9954]

Dave's wealthy but not in the hair Department.

[@ronschueler909]

Common sense: Don't spend more than you have coming in. That just pressure on the family.

[@untouchable360x]

Does Dave pay taxes? $200k a year is not taxable?

[@mbank3832]

@@saulgoodman2018 he should

[@DavidRamseyIII]

It doesn’t matter. He’s just using very round numbers to try to illustrate a point and motivate

[@sandyrobinson9388]

Dave said to live off $65K combined

[@SRD1281]

Not enough information from this call. Doesn't speak on his other debt, current cash, investments etc.

[@steele952]

He’s not gonna do anything

[@rethinkcps2116]

$65k is scant money for two people in Miami. No way this guy will heed this advice. He's not even pretending to be welcoming this input. Repeats "yeah" over and over...

[@Cristobal8605]

After Dave yells at the caller about how broke he is, the caller still doesn’t sound convinced of how broke he and his wife are. Looking at Rachel’s face at the comeback line on 4:20 is hilarious 😂 “bless his heart”

[@Jeff-xy7fv]

You're BA-ROQUE!!

[@eleutherae]

This guy just needs to read Total Money Makeover. A lot of his questions are covered in the book.

[@hebrews11vs5]

That guy just does not want to live like nobody else. I can tell.

[@UrbanSipfly]

I never felt richer at making $10/hr after hearing about another one in $400K worth of debt!

[@annadaae26]

They make $295k, Dave suggests living on 65k and paying $200k toward their loans per year. They only pay 30k in taxes, then?

[@luvmysuperduty]

I knew a top notch lawyer who died absolutely broke……. But he had a huge house and fancy cars! His brother had to tell his sister-in-lawman she was poor…..she had no idea!!! From jet set life to dead broke over night!!!

[@5trace]

Dave never figures in the very high tax bracket they are in,, In Ontario they would be paying 50 % of their gross to tax cpp and ei premiums ..

[@alinatamashevich3354]

$250K to be an attorney? He is a sucker. Never forget, no matter what law school one goes to, when one passes the bar ALL are Attorneys at law. The difference is, want to be taught by practicing attorneys or law school professors who have never been in a court room.

[@psoteriou3884]

If they have the right mindset they could knock that debt off in 2.5 - 3 years. Easy.

[@jaybartgis5148]

Dave Ramsey representing Ukraine with that Adidas track attire

[@pnwadventurist]

It's been 2 years and I guarantee they are still in debt if not more 😂

[@marymccann6110]

Yeah this guy isn't going to cut his lifestyle. He has no perspective.

[@honorineoussou7686]

Thank you for this opening eyes answer now it's up to them to be real rich or to fake it

[@kayz1553]

Why is student loan such a big thing in America? How much are you guys paying a month to repay that?

[@lynnebucher6537]

Many will never be able to pay it off. They default, get reduced payments based on income... Then cry for loan forgiveness.

[@dcamnc1]

Living on 65k is a hard pill to swallow? I make 100k and have lived for years and years on less than 30k, some years 20k.

[@Dan16673]

Only 290? I'm and engineer and my wife is a pa and we are there with no debt.

[@wbae1340]

Applying to PA school for this next cycle, that’s awesome she went PA

[@Dan16673]

@@wbae1340 PAs can do very well. If you care about money? Go dermatology

[@wbae1340]

@@Dan16673 derm is the specialty I’m most interested actually! Ya I know it’s a high paying area

[@stellarocquie7957]

Hahaha, don't hold back, Dave!

[@unbothered6357]

When I hear Rachel talk it feels like a struggle🤔

[@jeffmorse5599]

Dave yet again not considering taxes. Bad habit he constantly has

[@mannyjeanpierre4062]

You really think Dave doesnt know about income tax lol.

[@alinatamashevich3354]

Just don't pay them, problem solved.

[@MD-pz3cn]

It's just the mindset he's trying to instill in people. Easier to lay out monetary amounts during a 3 minute phone call vs going through each penny the caller's bring home.

[@healthyfixation]

Another one "Delay pleasure for a Great Gain" love it.

[@mikedoyle5901]

Just start paying as fast as possible and live on less than half your income. Make sure you realize the taxpayers are not paying your loans. Do what Dave says.

[@profitmix441]

He’s staying in debt

[@kasforai]

He doesn't speak like a lawyer lol

[@user-wc2ho7im7j]

True. He is a newbie. And not all lawyers are successful.

[@appleforever6664]

There are too many lawyers in the field of law.

[@BeachCrew100]

@@appleforever6664 yeah the competition is crazy. I’m glad I didn’t go to law school.

[@ChinaConsultingTravelBlog]

This guy will not live off $65k for two years. He already has his cars and house picked out

[@ElectricBlueIX]

I sure hope this caller listened and talked to his wife about it. Question is, will she be on board. He didn’t sound too worried about it though.

[@bradleygraves5915]

$65k in Miami? Maybe if they live in their car. But I understand the sentiment. Scale WAY back.

[@jaxs7267]

Consolidate the student loans, each, husband and wife and get a lower interest rate overall and then pay back the debt like an angry beast!

[@rondagipson2184]

These calls with 100"s of thousands worth of student loan debt irritate me. It seems like every one of them are trying to find a way to not pay them! Why would a lawyer and Nurse anesthetist need to call in to find out how to pay it off??? Put your nose to the grindstone, live beneath your means and pay YOUR debt off that YOU signed up for!

[@cuadraoalpennyconropyrivera]

That's absolutely right. Lots of professionals earning a lot of money are broke. I've been working with female medicine doctors earning great income but are spending more than they can afford. They are broke as well. What a shame. So sad to see the great potencial they have to live a great life, but they just don't 😥

[@claybob]

If he mentioned living on 70k a year his wife would leave him.

[@mindys1198]

Plus life is unpredictable you never know when in a split second everything can change and one of you can no longer work due to accident or injury