We Make $330K and Live Paycheck-to-Paycheck

[@miltonmcdonald2919]

Whenever a caller starts telling a life story, you can tell they are trying to justify all of the stupid decisions they've made, as something they "had to do."

[@kleindropper]

So the title is wrong. They don't make $330K anymore, but still have a $330K lifestyle

[@MrDan11422]

Why do you invest in your lifestyle but ignore your soul? Which is worth more?

[@MrDan11422]

How can you not see Dave is nothing more than a con artist who is trying to sell you?

[@MrDan11422]

Is your soul worth more than your short 80 years of life on earth?

[@BrianW211]

It's not really clear what they make now, but it's still got to be close to $250K.

[@MrDan11422]

@@BrianW211 why do you care about money over your soul?

[@BrianW211]

Complains about living paycheck to paycheck. Bought a new home while on MLA (no mention of whether she collected short-term disability insurance). Bought an expensive car while laid off. Back to work with a mountain of debt but still living in a dream world where she has a live-in nanny and not even considering that as a way to cut expenses. Right at the end, you can hear in her voice that she's not ready to do what needs to be done.

[@littlesongbird1]

Too many people like to keep up appearances. Need to look good to others. I keep my paid off car and hardly ever buy new clothes (I go to thrift stores first). No paid streaming services or cable. I only go on a couple of trips a year (all domestic) that save up for. But at the end of the month, I am on track with my financial goals and that's what matters.

[@jimmymcgill6778]

She said child care. Not live in nanny.

[@MrDan11422]

Why do you trust a soft spoken con artist?

[@MrDan11422]

​@@littlesongbird1what bank of heaven account will you deposit into?

[@BrianW211]

@@jimmymcgill6778 She said nanny AND child care, and you can bet they're planning for the kids to go to private schools.

[@DBS472]

Should be able to clear 25k in debt with 2-3 checks. Insanely out of control

[@treasurethetime2463]

When she said Nanny they were like "check please". It's funny because it might make perfect financial sense for their situation, but it just comes off a certain way.

[@wzk6444]

My friend just moved to Boston and pays over $4000 for 2 kids in daycare. So a nanny is most likely cheaper for her compared to daycare expenses for 3 kids.

[@Mike45-47Q]

Holy crap. I pay $1000 a month for 2😮

[@wzk6444]

@@Mike45-47Q we live in Texas and pay over $2500 for two.

[@mkwyche]

4K for two kids is common in most major metros. Can attest, Live in a major metro area w/ two kids

[@vashtibascombe701]

Maybe so, but she didn’t need the $60,000 vehicle. She needs to try to get rid of that.

[@mkwyche]

@@vashtibascombe701 agreed!

[@livingunashamed4869]

12K? I almost spit out my drink when she said nanny lol.

[@littlesongbird1]

I know it's like...they can't use a regular day care center?

[@mohnishsial8142]

In Boston, I’m estimating a day care for 3 kids under 5 years old may be $3k. I have a 2 year old and we pay $340 per week. That’s ~$1350 a month. Nanny may be cheaper than day care in this instance.

[@littlesongbird1]

@@mohnishsial8142 Good point

[@wzk6444]

For Boston 1 child is over $2000 for daycare.

[@bamafencer12]

Nanny is cheaper than day care.

[@JustinCase780]

She's not giving up those status cars. 😂

[@diml664]

No accountability for the husband from you, the average red-pilled bitter dude? Of course

[@dog7881]

@@diml664Who hurt you?

[@PInk77W1]

Me $49k. Retired. Home paid off. No debt. Money in the bank. I feel rich

[@residentevilfreakk55]

You definitely are

[@Chartlaub5]

How was the feeling when you paid off your house?

[@PInk77W1]

@@Chartlaub5 I paid cash for my house. $23k in the rural central Tx area. It was weird my daughter asked to borrow $3k a few months before to buy her house in San Diego. She said she had to sign over 100 papers. I brought a cashiers check for $23k to the Title company and handed it to them. I signed 2 papers and they said have a nice day. I said that’s it ? They said yes. I said my daughter Had to sign 100 papers. They said yes because the bank requires it, u got no bank. Bye. LoL

[@PInk77W1]

@@Chartlaub5 July will be 4yrs. It feels great not paying rent or mortgage or anything. I get paid and I can literally do anything I want. If I want to fly to Maui tomorrow, I can. It’s a weird feeling.

[@bigcahuna42366]

$12K for a bare bones budget for a family of five? If she has this mind set, I don't think John and George can help her. She isn't quite ready to change.

[@Mr.Boring_Man]

Exactly!

[@rnt45t1]

women

[@Smallvillefreak]

They didn’t even try to help her. They didn’t even address the real issue or investigate below the surface for concrete income numbers. How did they get this deep in the hole if she was unemployed for a month and is still taking hone nearly $200K. If I were Dave I’d be furious after this call.

[@boredoreos]

Assuming 25% rule for house payment, she's spending 5.25k on mortgage, 2.75k on tithing. 4k a month is not totally unreasonable for a family of 5.

[@maxpayne044]

@@boredoreosthat woman is not tithing anything.

[@Mr.Boring_Man]

$12K a month bare bones. That answer says "I'm not sacrificing ANYTHING but you need to still solve this". Smh. A lot of people seem to not be able to distinguish the difference between a need and a want.

[@hornetguy9063]

My guess is they just had to get that beautiful home in newton or Wellesley ($1.3M or so easily), and here we are. $300k is a lot until you have taxes and a $7k a month housing payment

[@Lon1001]

$330k a year is $27,000 every month, after income taxes that leaves ~$19,000 to throw at expenses, savings & investing. even after taxes and mortgage payments there is a lot of money on the table.

[@BrianW211]

I agree, that new home they just bought is very likely well over $1M.

[@bamafencer12]

Well they aren't going to drive the 10+ year old SUV for the kids. Lifestyle creep plus living in a nice neighborhood. LOL they will cut back a little, but not a lot.

[@hornetguy9063]

@@BrianW211 ya, I cannot tell you how different it is in a place like Boston than the rest of the country. I looked it up, in 86% of counties in America, the median home price is under $350k. But this is top 5% land. The amount of hustle to simply afford a middle class seeming home is absurd. My wife’s employers live in Newton. While the home is nice, it looks far less opulent than a $1.8m home would be expected to look.

[@hornetguy9063]

@@bamafencer12 agreed. The expenses are what they are.

[@taurusthebull76]

This takes me back to that recent caller who netted the $500k after a lottery win. Some were saying they didn't understand how he pretty much lost it all & what not. As I said before, these calls like this show how people's lifestyles can eat through high incomes or large amounts of money in a short period of time.

[@andrewjessop7770]

I’m tired of people calling in saying they make over 250k a year and are living paycheck to paycheck. It’s laughable.

[@ykook7000]

It's ridiculous

[@swannyriver75]

Exactly no sympathy from me

[@Joenzinator]

We make more than that, and I run a very tight ship, but there is less leftover than you might think. We pay 33% in taxes, 25% comes out for investments, 12% for childcare. So we have 30% of our income to live on. We are comfortable, but it's not a crazy amount. I could definitely see someone in my situation making a couple poor decisions that would tip the scales to paycheck to paycheck living.

[@chellybaby]

You missed the part where she said they aren’t making that right now. In sales, it takes time to build up a book of business

[@WoolandFlax]

She makes 15k she said

[@119jle]

I make $60,000. Drive a 17 year old car. Have $169,000 in bank. Quit trying to pretend you’re rich

[@hckykd39]

You are my goal. Thank you for this.

[@jaqueitch]

The entire part with her being on FMLA and then laid off has absolutely nothing to do with their situation. They were spending money like it was going out of style years ago

[@johannanguyen9101]

Some privileged people, think the worst in the world is to give up their hyper luxurious lifestyle.

[@t206kid]

Just goes to show that making a lot of money doesnt make you good with money. There are families making $50k a year with kids that are doing better than these people

[@fernnoli]

Ain't no way you are living paycheck-to-paycheck making that much especially with the tax-free VA disability pay (I'm a veteran marine also). Completely embarrassing. If you are making that much, live as if there is no VA disability. How do you not have ANY cushion making that much? Also, $85k of debt (including the car) and you're that concerned? You should pay that in one year. Postpartum depression is horrible. Her man is skating at his job while his wife is a new mother going through depression and a layoff and he's not making more. SMH.

[@littlesongbird1]

if he is on disability though, wouldn't he loose that if he works? (Not 100% sure I know SSDI can work part time at least in some circumstances)

[@emclaire18]

Military disability is different. You receive it even if you work.

[@littlesongbird1]

@@emclaire18 got it. Thanks for explaining. Makes sense. You could say god forbid get wounded and be okay to work a desk job but not fight in combat.

[@YouSoCute2000]

Exactly! I'm a vet too...l was thinking the same brand new babies and she is the main provider!? He is receiving close to 4k/month...like he doesn't even have to hustle that hard...

[@emilyh6293]

VA disability is the fleecing of taxpayers. If you get another job then it should end.

[@ariston5433]

My husband and I live on two social security checks and own a home and paid for car and can still manage to put money in our savings account every month. Something is just not right with this woman.

[@BRY__BRY]

this woman has me, my mom, dad and brothers monthly income combined and Im sitting on 10k emergency fund and 100k invested at age 30. She could be living the american dream rn. Postpartum is something I'll never experience but I've been on drives to work literally suicidal but ultimately guess who it's affecting? no one besides me when I start taking time off work to the point where I'm not needed anymore. Life is a struggle but you can't excuse your career for it and make all these poor life choices. Take some vacation time, go talk to someone on the weekend. You can get help and still keep your career.

[@rnt45t1]

women will make up any excuse to spend money

[@BRY__BRY]

@@rnt45t1 😂 you said it, not me

[@jasonleatherwood2172]

Im getting the new tacoma next year brand new paying cash family of 5 120k combined income this family is out of control living paycheck to paycheck 12000$ a month to keep the lighs on lol

[@workinonit9562]

@@rnt45t1 I am a woman and I am very frugal as well as my husband, we didn't make big money but are everyday millionaires and debt free, after helping our kids with college and down payments for their homes now they are set up well. It is all about choices we make when we are younger. I am so glad to be where we are in life, I agree that women like to spend $$ but have seen many a man do that also. Live below your means would be my advise for anyone:=)

[@rnt45t1]

@@jasonleatherwood2172 but you're the one dumb enough to buy the new tacoma

[@lisabanks7742]

What is wrong with these people, making $330k annually still complaining how they don’t have money, lol.

[@ashleyjones5396]

It’s bc they like to overspend 🤷🏽‍♀️

[@kleindropper]

Next thing you'll be telling them to cut back on their caviar consumption. C'mon guys they can't suffer like that!

[@annapatton4544]

Sounds like my uncle's family. Always complaining living paycheck to paycheck having zero money left, but every time you drop by for a second (since I remember myself as 5 yo kid) they'd drag to you to the table for a snack, and it would have salmon, caviar and crabs. My dad stopped going there because of the absurdity. 30 years went by, they still live the same lifestyle and still complain about having no money, but now they also have grown up kids who live by the same rules. Last week their daughter bought new shoes that were 4 weeks worth of what she is making as a nurse and dad has to pay for the rest of her living and she also took a 2 year loan for a COAT that is worth what she makes in almost a year. People don't change.

[@staceye8211]

A full time working mother of 3 cannot just get rid of the nanny. Child care is not a luxury, it's a necessity. It doesn't come cheap especially in a major metro like Boston. With multiple kids a nanny is likely cheaper than daycare.

[@garys.1415]

“12k because of the nanny.” I love it! Ball out, girl!

[@subjecttochrist]

We all must fight the battle against the temptation of the “lifestyle obsession.”

[@cutlerylover]

money is NOT the answer to peoples problems...Why is it that the people with all the money dont know how to use it and the people who need more money cant get it?

[@memags]

Nanny !! These people live in a differed world. They know no other way than convenience after convenience. 15k a month ! Buckle down and be debt free in 6-10 months. Give me a break

[@xsgtxbigboy1655]

Kinda surprised they didn’t ask how much the mortgage was that’s kinda important

[@YouSoCute2000]

Many states grant lower property taxes if u r 100% VA disabled...so they are just stupid at this point

[@joeplem5329]

Everyone loves to blame inflation for their problems while yes prices have increased people still REFUSE to live within or below their means. This unhealthy obsession with social status has to stop 🤨

[@darex0827]

It won't. Social media has put that mindset on overdrive.

[@MrDan11422]

How much money have you decided to deposit into the bank of heaven?

[@MrDan11422]

If you listen to Dave rasmey you are being bullshited. Are you promised tomorrow? I don't have the answers but I understand that Dave is a soft spoken con artist who is making money for people who just want to live an honest life.

[@MrDan11422]

He uses god to make himself credible.

[@MrDan11422]

If he believed in god he wouldn't try to make a profit for it.

[@user-mv9tt4st9k]

They may over $300,000 and decided to live right up to their means. Had they lived modestly this would be a very different story.

[@b7Hn4eX8yv4m]

But how would people know they make a lot of money unless they spend it all? Being wealthy isn't worth it if you can't show people you're wealthy. Money is only meant to show people you have it by spending it. Money is meant to be spent to show people you make money. Obvious sarcasm above - this is what they all think without putting it into words.

[@davidmilhouscarter8198]

5:30 Going from a Lexus to a Corolla is not much of a down grade. Both are fine Toyota products.

[@James_Hough]

Sorry, but two income families need to learn to live on one income for their regular expenses. Imagine the comfort of not having to rely on every dollar that comes in and not having to rely upon both parents working NO MATTER WHAT HAPPENS. Flexibility is a luxury.

[@reese85]

Ppl don’t make enough money to live off one income smh

[@megalodon1726]

@@reese85 but this caller made enough to live on one income.

[@reese85]

@@megalodon1726 idk Boston ain’t that cheap

[@Joenzinator]

100% agree. I bought 1/2 the house the bank approved me for so I could afford it on one income. Then we had twins and my wife took a couple years off work, and we were able to survive (barely). Then she went back to work and we intentionally made up for all of the missed investments during that period.

[@aurasphere87]

I'd rather be making 330k and have to clean up a mess rather than having 330k in debt with a low income...

[@dylanfogarty2771]

well yeah..

[@kevinb8881]

The bills piled up quick, LOL!!!🤣

[@Smallvillefreak]

If Dave is listening to this segment, I’d call them in to find out why they were having a friendly rap session instead of actually digging beneath the surface for actual numbers and behavioral red flags. They barely touched the family’s financial habits in the last 30 seconds.

[@DewTime]

You can tell the last part was very rushed. For some reason they were on a timer and needed to end the call soon.

[@justinlawson3493]

So taxpayers have to give her husband 50k worth of tax free money yearly, while he is still perfectly capable of working a full time job for the government?? That’s messed up…

[@rebeccazeman9309]

VA disability is always paid whether they work or not. My ex collected like 1200 a month tax free bc he has IBS from when he was deployed but he's a pilot now and everything. Works and lives life just fine. They get it for anything that came up while they were in the service.

[@FortuneSeek3rz]

​@@rebeccazeman9309 He's getting $1200 a month because he has irritable bowel syndrome?

[@Watchlover371]

Come to the UK / it’s a joke here!!

[@mxerb5912]

A huge scam that people seem to ignore because they’re veteran

[@nickm4662]

There’s a lot of Veterans working the system and making a ton of money.

[@Maine_87]

The reason they are in this position is because while they make great money, it's not lump sums. They don't get the $25k in full each month. They get about $6,900 per week and spend it all every week or two. So they keep ending up in the same situation and never level up. They have terrible money management. Atrocious money management.

[@lemongrass3945]

oh so they get paid weekly or bi-weekly like a normal job? Its still the same money. In fact its easier to budget with a weekly income

[@Maine_87]

@@lemongrass3945 I agree but it's the only explanation for me because I have been there. Making 10k monthly with no kids, low bills, no serious debt, but I was living paycheck to paycheck because I was partying and having a good ole time because I knew I had snow paycheck coming. I still was saving but it wasn't what I could have been saving. Fortunately for me I'm cognizant and critical of myself so I fixed my issues. That's why I kinda recognize home they could be making so muh money but be struggling still. The more you make the more they take in they take in terms of taxes also the more you make more you spend. You have to be content and pretend like you're not making real money and ration your funds.

[@joeriveracomedy]

All she had to say is that she married down and it got to her

[@cinnaminstixx]

We don’t know this woman’s attitude, physical appearance, mental health, domestic skills, etc ??? To say she married DOWN is disrespectful to her husband. He served his country and kept his job, health Insurnace, benefits and income the entire time. He’s not the one calling in and complaining and probably not the one who caused this situation.

[@linhaton4957]

Day care for 3 children costs more than a nanny. A baby in day care is really expensive and isn’t good for the child.

[@audreybringgold6217]

My guess feel free to add your own 4k mortgage/utilities 2k car payment 3k in home childcare 3 kids 1k food 2k loan/credit card payments? My idea is they need to downsize their home for a smaller mortgage, change cars and spouse who makes less be stay at home parent

[@hornetguy9063]

$4000 mortgage/utilities for a family of 5 in Boston, that’s funny. You might be more accurate if you double that.

[@audreybringgold6217]

@@hornetguy9063 ohhhhh you're probably right. I'll count my Midwestern blessings because I thought 4k was high because it is for here.

[@b.c.2836]

1.5-2.0k food/eating out (she doesn't sound like the type to brown bag lunch to work)

[@hornetguy9063]

@@audreybringgold6217 I mean you can find it, but the city/town is going to be mediocre. Or you’ll be living in small quarters. Example, I live in an old triple decker in just a decent part of Boston city proper. Not even the top end area. I could sell this place for $650k. Now imagine a higher end zip code, and having your own driveway and lawn and stuff. And I can guarantee that a woman with her income won’t be living in some “cheaper” town, because it’s hugely classist here.

[@dylanfogarty2771]

No way their total loan/credit card minimum monthly is $2,000 if they owe $22-30k total. Way less than that. I would imagine the car is probably less as well, unless there is 2 of them. I would assume the issue is the mortgage is higher than $4,000.

[@boston312]

Many times these people do it to themselves with uncontrollable spending and having kids they cant afford

[@scroogemcduckismyspiritanimal]

If you make 300k you can afford a dozen kids. That doesn't come into play here

[@kendrapratt2098]

Love “It’s not less than; it’s just different “

[@Jack-kj1zu]

Having $12K in expenses monthly is absolutely insane. Also having over a $60K car loan is pretty crazy. That payment is probably around $1,000 a month. I wish we knew what the payments were broken down. I'm guessing their mortgage payment is gigantic

[@IrisP989]

Why having $12K in monthly expenses is insane? It depends what it includes and if you live in a very high cost of living area (so it can include high property taxes, mortgage or mortgages, etc.).

[@untouchable360x]

$3.3 million and they will be in the same situation.

[@VershyTheQueen]

My mother always taught me to live below my means. I do not believe in debt whatsoever because you're constantly owing a person.

[@Lon1001]

They live paycheck to paycheck by choice, it's not that they are stuck they just choose to spend every single dollar rather than prioritize.

[@pamt3915]

Well said! 👏👏👏

[@bretthong6137]

If you make 330k and live paycheck to paycheck something is wrong

[@letstalkaboutgermany8288]

They must have a hell of a lifestyle! 😮

[@sarahdoanpeace3623]

You cannot get rid of a Nanny, you can but it’s probably cheaper than day care. And one car is insanely difficult. I wish they’d give real life tips that are actually doable for the common person.

[@M.....................]

John is a LEGIT heart and mind ninja ....

[@boston312]

That doesnt pay the bills

[@boston312]

That doesnt pay the bills

[@Smallvillefreak]

I really enjoy John on his show, but he did very little to help this lady. He gave her the kind of pep talk that feels more like a promo for his own show and less like what she needed calling a financial advice show.

[@zoemayne]

So she has a nanny + childcare. So she is paying out a salary + a mortgage for those two must haves.

[@beaniemac]

Doesn't help they live in one of the most expensive cities in the US in Boston

[@Dad-in-WA]

this couple need to develop new mindset on money. software sales is volatile. need to live below what they currently do and be consistent. thanks for sharing.

[@karimelmoutawakil7295]

$12K is a lot but George need to look online how much it costs to put a child in a daycare in Boston before say live on $5k.

[@DericAnslum]

..."taking the hit"...the circumstances are taking the toll on those things... ...shout out to George for subtly correcting "crises"...

[@DericAnslum]

@@tyronehill9172 ...exactly...satisfying...

[@mustangthings]

Can’t give up the nanny!

[@littlesongbird1]

Private nannies are more costly than most day cares. Use day care and see if you and the husband can work shifts to cut back on child care costs.

[@misslanapaulford]

Not to self, try harder not to get pregnant one after the other. How men and women dont STILL dont know you can get pregnant again right after giving birth... Before you give birth, Both of you decide what you are going to do about contraception or prevention before U give birth.

[@boston312]

But but but having children is a gift from God

[@misslanapaulford]

@@boston312 Yeah but sometimes God can be a bit twisted. Just ask the decent loving GOOD people who can't have kids and then god let's women who are monster and abusers and who let there partners do terrible things to them. In those cases God is just Fked up.

[@linhaton4957]

One of them should stay at home with children for a few years. No need for a nanny, and buy a smaller home. You can have it all, maybe not all at the same time same time. Your marriage might get better too.

[@Rosemari753]

Its surprisingly easy to spent $12k-15k a month when you have debt and an expensive mortgage. Lifestyle inflation at its best.

[@garagesale5948]

Ron White - "you can't fix stupid"

[@oa5828]

Something drastic needs to change in their lives, like a shock change. They need to move into a cheap rental, get cheap cars, and live a life that would motivate them to want to do better for themselves. Also, sounds like she needs to do more exercise and/or manage her mental health much better by whatever means possible.

[@MisteRRYouTuby]

Having 6 figures and not knowing what to do is not living paycheck-to-paycheck as that forces you to budget. The problem is not planning and spending less than you make.

[@MisteRRYouTuby]

Also, it’s clear that she just needed someone to hear her talk.

[@scottgiles3053]

At the end she still says her required monthly expenses will still be 12k per month??? This lady and her husband have serious issues in determining needs vs wants.

[@markg999]

These types are in a world of hurt when we go into a recession.

[@b.c.2836]

Doesn't sound like she is sick and tired of being sick and tired. The first time around when they got out of debt, they did not sacrifice anything, their bad debt behavior continued- no learning was involved. She is looking for another easy out button...

[@lemongrass3945]

She is delusional is what it is SHE makes $300k over 150k is tax free. They are clearing over $225k easily. There is no way you should be in debt at all making that kind of money unless you are delusional or have a serious gambling problem. She has 3 kids my father had 11 brothers/sisters. I can tell you my grandfather never made no where near or close to $300k even if you factor in inflation. This lady has massive problems

[@KidFromQueens]

I felt bad for her right up until the last 10seconds! She def needed this reality ck n it was delivered! Get rid of the car and find a better child care situation. Usually means someone is going to be on third shift.

[@valiantthor_]

330k lifestyle on a 180k a year

[@ohreally8259]

Going through post partum depression, laid off and goes and buys “the dream home” and a 60k+ car. She will not be debt free

[@Omikoshi78]

These guys are great therapists 👍

[@ihaveadreamformykids4400]

Assuming they maximize both their 401k’s, their take home pay should be around $15k after taxes. That should be plenty to live comfortably but their income decreased significantly so they need to make some big changes. They need to stop contributing and payoff those debts. One parent needs to stay home and care for the kids. Besides, why have kids then not raise your own kids? Especially if you have the ability and resources to do it? Blows my mind.

[@pklemm1]

In Boston with kids, that’s getting by. This shithole is expensive

[@nicholasselke5214]

@pklemm1 perhaps they should consider relocating out of Massachusetts

[@lemongrass3945]

my sister worked as a nanny for a while for a lesbian couple. She said pretty much they were never home would spend maybe an hour or two a day with the kids if that. That the kids would go days without seeing their parents. It sounded like they just used the kids as a "status symbol". I feel like them and this lady see the kids as a burden

[@boredoreos]

330k is more like 20-21k a month after tax.

[@v7735]

She's probably subtracting the +1mil house payment

[@roadrunner9622]

Two expensive cars Private school Overseas vacations Higher income taxes Big house Fine neighborhood High property taxes 401k & SS contributions Country Club membership Paid landscaping Nanny College fund Et cetera!! THAT is how you make $330K and still live payback to paycheck.

[@getinthespace7715]

We are going from $110k to $310k. After the first of the year. We've been living on a 45k budget. Kicking out a bunch of cash for my wife's nursing schooling. Now she graduates the first week of January. We are moving to a place with LOWER cost of living. Locked into a lease on a 4 bedroom twin house for $1k a month Since houses are so overpriced, we are going to cash flow buying land, and building our own place. Goal is 100% debt free and in our new house by this time next year. Then we can bank $150k a year for retirement. Maybe save to start building an upgraded house. Especially if house prices stay high. Could make $500k tax free selling our first primary residence using the Section 121 Exclusion.

[@steveh6178]

Nurse anesthetists school?

[@pete3445]

Bought her “ forever house”. Yikes wonder what THAT cost???

[@PInk77W1]

U don’t need a car in Boston. They have like 49 buses per block.

[@michaelr.4921]

Depends where they actually are. Public transportation is pretty atrocious in the suburbs

[@PInk77W1]

@@michaelr.4921 a bicycle will get u to the nearest bus or train quick

[@user-es5jq6yy9l]

Housing is the biggest expense and if its a tough job and little kids or wirk from home you kinda need good housing. In my area a house costs 1 million regular home good area but not great. Thats a ten thousand a month payment

[@FortuneSeek3rz]

No discipline, like most of the callers. If you're getting that much yearly from tax payers the least you can do is have enough respect for the system to live within your means.

[@dnah02]

Toyota works be ok with having a normal car.

[@bamafencer12]

Not for people keeping up with appearances.

[@mwhe3111]

Oh, spare me the forever home crap. 🙄🙄🙄

[@dnah02]

They said mediacal leave ok bet salary is gone stay on leave. Private sector is no joke plus the corporate refinancing is coming soon.

[@BK12344]

she asked if u need to include the cars, are u serious smh. Aside from her postpartum I dont feel sorry for this caller at all. here's two ppl with 330k salary and living paycheck to paycheck. How about taking accountability of ur financials bc there's ppl out there will real financial problems living chk to chk. 15k a month coming in are u serious, and they have a damn Nanny, get out of here with tht crap

[@bether7607]

Dude...my 2022 Rav4 was 32,000 (tax, tag, dealer fees...yada yada yada). Awesome car. Don't need any bigger. Why do people think they need Yucons and Lexus? I love my car. Gets me from point A to B.

[@Myraisins1]

That's really not a lot of debt for their income. They are doing something wrong.

[@Dan16673]

Wife and i make this and we save 10 to 12k a month

[@NWI_Steel]

No one cares

[@Dan16673]

@@NWI_Steel your reply proves you do.

[@bamafencer12]

Keep it up!

[@jimmycrackcorn99]

If you are paying more for the nanny than what you earn, you need to quit your job for a while because you are the new nanny.

[@luisvigo3777]

Just mute the computer whenever John speaks.

[@jimmymcgill6778]

They ended that call real fast, when she finally got to monthly expenses. That's like maybe 250k after taxes. How much are they paying for childcare?

[@amireallythatgrumpy6508]

Barring exceptional circumstances, they only have a maximum of 8 minutes per call...

[@jimmymcgill6778]

@@amireallythatgrumpy6508 No they don't. Stop making excuses.

[@amireallythatgrumpy6508]

As always, Jimmy, you are wrong. And making excuse is the only thing you Americans actually know how to do, so don't accuse others of it.@@jimmymcgill6778

[@tomstulc9143]

12 k base expenses a month . Where does she live Dubai. Insane,

[@bobbybiskins6720]

She ain’t changing nothing. Unbelievable making that much money and owning nothing

[@rsivkova]

Seriously sick and tired of ppl making gazilion of dollars and living paycheck to paycheck

[@xsgtxbigboy1655]

And that effects you how exactly lmao

[@joeplem5329]

And yet they blame inflation on why they're broke😑

[@TheLifeOfaBichon]

​@@joeplem5329I'm a clerk at a supermarket . Ive been doing my job 23 years now. Customers always complain about high grocery prices when cashing out. Yet same people I see when going out to dinner with an 1 hour wait to get a table.

[@tmi4507]

Are you seriously telling me that her husband by numbers alone is a 100% disabled veteran and that they can’t get their financial sh*t together. Bro as a veteran myself I’m speechless. How tf do you make $4k a month of tax free money and drown in debt. Do you even fathom how hard it is to get past the VA Healthcare system to even get 100% disability? And then on top of it to completely squander that tax free compensation? People are crazy and I’ve heard enough.

[@masi2975]

John wasted time with his contribution to the segment. I wish I could have heard more of the other guys advice.

[@MrJimmy3459]

Why, he's gonna say the say old budget beans and rice

[@thekoz5158]

I don’t think this woman knows what debt is and can’t handle the slightest pain. It sound like she can’t handle the truth.

[@kendrapratt2098]

When she asked if she should count the $60k in car debt…

[@djpuplex]

Lack of accountability and a checked out husband. Wonder how much of we is "her". She wants to divorce him she blaming post pardon depression and blah blah. He doesn't make enough to afford her and her lifestyle. If your wife makes more than you she is soon to be your ex wife just too much debt now. Wonder who watches the kid? He probably could quit and they'd save money on child care but that'll never happen doesn't go that way.

[@boston312]

An American man has nothing to gain in marriage and everything to lose. The only viable option for an American male to marry nowadays is to move overseas where they dont have to worry about paying alimony and losing their assets/pensions when the wife wants out.

[@janicewright4007]

When she said Nanny I about died

[@mxerb5912]

This woman is just an excuse making machine

[@mhodge0890]

She just had to say she was a bread winner just couldn’t help herself

[@Shortballa11]

My real estate agent said this so proudly in front of my wife and I. I automatically felt bad for the husband because I could tell how she treats him by the way she said it.

[@NWI_Steel]

Guarantee she has a short "bob" haircut

[@rebeccashields9626]

And I’m sure you have that exact same energy when men use the word 🙄.

[@pearlhappyhour]

@@NWI_Steel 😂😂😂

[@chrissmith8469]

That was a proud moment for sure

[@Jamesbaker123]

In most states the average cost of daycare for 5 days a week is 1k a month per child (these guys have 5 kids under 5), and if they both work full time then they have to have daycare. Knowing this and then to suggest that this family can set a budget of 5k a month is silly. I understand they made some mistakes and they need to sell cars and cut a lot of stuff out but lets give them some real workable advice, hopefully the budget app can do that for them and at their income they will be fine.

[@Iluvhorses122]

They have three kids under 5. They can find cheaper daycare

[@Tap354]

Lost interest once she said she’s the bread winner 😂 mistake number one lady, don’t ever downplay your husband’s work

[@boston312]

This marriage is on limited time. The husband cant afford her lifestyle. She will get out soon

[@abhinavdeepsinha3036]

Only half the call? Where is the rest of the call