21 and Already $350,000 in Debt!

[@Shortballa11]

Dude had 3 kids and was making 130k a year before 21. This is one of the most absurd calls I've heard.

[@CM-sy3to]

The kids are invaluable! His best investment!

[@kendrapratt2098]

Idk who’s worse off-he or the 86-year-old lady from yesterday’s video. I guess at least this guy has time on his side

[@tonytoni1150]

This guy lied about his age.

[@Shortballa11]

@@kendrapratt2098 this guy can easily be outta debt in like 6 months. Sell the rental property and sell both of the cars for regular 15k cars. The old ladies situation was tragic

[@dialac1]

@@tonytoni1150I was about to say the same

[@P1ngw1nn]

21 years old with 3 kids, 2 mortgages, 2 car payments. Wait, what?!

[@SlippinJimmy007]

The age has to be wrong…he said he was in the car business for 4 years and went to nursing school?

[@DatBoiLui]

The age is definitely wrong or this caller is full of 💩

[@Rashaadthegr8]

Still don't matter what age he is with that terrible situation.

[@jziffi]

And he's switched careers lol. He's crammed a lot in.

[@alluringbliss4165]

@@Rashaadthegr8I think he is young enough to make changes and be ok

[@GrannyDryden]

looks like this 21 year old, crammed 42 years of living into his life, which is impressive

[@LittleMopeHead]

He lying about his age

[@latulip100]

@@LittleMopeHeadhe has to be right? At 21 the bank wouldn’t lend me $500

[@vickieclark5931]

LOL. I was thinking the same thing. He's done more in his 21 years than most have done in 50 years. This kid didn't waste any time.

[@jeep19]

Sounds like a divorce waiting for him in about 10yrs.

[@mathgasm8484]

@@latulip100 I tried to buy a house at 21 when they were 64k and had 33% down and the bank said no.

[@SlippinJimmy007]

Having 3 kids, 2 homes, and 90k worth of car debt by 21 doesn’t make you mature. It makes you a child. He is going to be greyed out by 30 though.

[@ShravankumarKoli-w5o]

You definitely have my sub. This content is next level. For me Unimantic was the turning point. Please keep doing what you do and keep being you, love it.

[@Loljjkb]

He’s 21 with 3 kids. He will hit a mid life crisis at 30😂

[@TheRay1227]

Earlyhood crisis

[@shiftautomotive854]

dude already going through it

[@cutehumor]

This guy is crushing it! Crushing himself that is. 😂😂😂

[@webfreakz]

Yeah him and his future 10/10 😂👍

[@And1one757]

😅😂😂

[@greg2865]

My son is a lawyer and his wife is a doctor. They both still drive the cars they had in school. His is an F150 that I gave him 14 years ago...and it was used then. They will need new vehicles soon but I am so proud of the way he manages their finances. They are going to be in fantastic shape when they decide to have children. I should add that they don't make much money yet but they could easily run up a huge debt and don't.

[@annaelisavettavonnedozza9607]

They’ll be in great shape! Just bc you can, doesn’t mean you should My bff was a pathologist for 8 years before she bought her BMW. She waited almost a decade!

[@Loljjkb]

Bluh bluh. I’m an astronaut and my wife is a brain surgeon. 🙄so sick of “i’m better than everyone” comments

[@jimroscovius]

​@@Loljjkb They are better because they aren't doing stupid things!!

[@Rashaadthegr8]

How long they been in their respective Fields because a doctor starts out at 6 figures.

[@Rashaadthegr8]

@@Loljjkb it's better than I'm broke with 3 kids and a wife videos.

[@WhitneyRoss-dj4rf]

Absolutely !!!! I love I'll have to be debt- free in every sense before purchasing my first supercar. The best thing to do with your money is to infuse rightly because money left saving will end up with no returns.

[@LeahLewis-ny9iu]

No doubt being buoyant financially and able to afford these luxuries cannot be overemphasized, making smart plans and setting up diversified investment strategies is quite essential.

[@LeahLewis-ny9iu]

@OliverLiam-px3vx Our family got introduced to a financial consultant about four years before my dad retired. That was what changed things, and I think my retirement income will be on the right track, luxury cars and trips

[@LeahLewis-ny9iu]

You could easily goggle search her name “DESIREE RUTH HOFFMAN “she we’ll know in the industry

[@WhitneyRoss-dj4rf]

I'll definitely check it out, I buy the idea of employing the services of a financial consultant because finding that balance between saving and living requires counsel...

[@EricaWaters-lr6zw]

wonder where she gets her analysis from though, I read her resume and I’m very impressed with her work. Thanks for the references

[@PepeToTheMooon]

This dude has set himself up for a bad life. When I was 21, i drove a 10 year old Mustang I paid 3k in cash. Man, 2 cars, useless rentals, credit cards…This dude is doing a lot.

[@Jeqzah]

I mean I’m sure if you were making $130k a year that may have been a bit different

[@scottmcg666]

Most people won’t figure it out in their early 20’s, you’re both ahead of the curve. The caller will be fine in a year or two if he sticks to the plan… and still be in his early 20s

[@shadowfox2120]

​@Jeqzah Really depends on your financial literacy and views in money and debt. I make $130k and was fine driving my 12 year old Toyota Matrix until i had a baby and needed to upgrade. Debt stresses me out so i work to not have more than one thing I'm paying over a period longer than 2 months

[@BlueDauntless]

@@shadowfox2120He was in the car business. The cars were probably to keep up appearances, which was obviously a mistake. But he’s correcting that now.

[@shadowfox2120]

@@BlueDauntless I always found that weird. Every car salesman I've worked with I've never asked what they drive or to see it.

[@drn13355]

21. 3 kids. 350K in debt. 80K a year income. Good luck bro.

[@tkdevlop]

When he started though

[@Loljjkb]

He’s an old soul for sure. He sounds like a Randy

[@alluringbliss4165]

Good thing , he is 21 making 80k as a nurse. He can sell something and be ok.

[@mbank3832]

Like he said, he is young, so he has the licensed to do dumb things

[@micahhoufek618]

He’ll be fine, he’s made mistakes but clearly he’s intelligent and a hard worker.

[@RPisa2416]

We needed Dave for this call

[@webfreakz]

I needed to hear the words "asinine" and "vehicles" 😅

[@RPisa2416]

@@webfreakz 😁😂

[@LittleMopeHead]

"who's the doctor or lawyer?"

[@CarlaQuattlebaum]

@@webfreakz . . . and "GOOD LORD!"

[@CarlaQuattlebaum]

@@LittleMopeHead Oh yeah, another one of Dave's famous questions.

[@thesuperdingos]

$2800 in car payments? On 80k with 3 kids? Bruh😂

[@shadowfox2120]

Plus a mortgage!

[@Nickynickynicky123]

​@@shadowfox2120 TWO mortgages 😭

[@CarlaQuattlebaum]

The total monthly car payments shocked me.

[@bryangarza5585]

He works at a car dealership yet he choose to be in debt with 2800 car payments idk

[@mikimuzika]

Brain rot

[@kcrooms8727]

2800$ a month on cars is wild

[@alluringbliss4165]

That s a one apartment rent in South Florida.

[@PassportBrosBusinessClass]

Lamborghini bro

[@candy2325]

Makes my eye twitch 😅 that is insane

[@Jlcdb71816]

And he’s probably only bringing in about $5,000 a month.

[@H.A.L96]

2 mortgages is beyond stupid.

[@Kysen10]

this has got to be a troll call

[@Greetingsearthling22]

My thoughts exactly

[@Azel247]

At 16, he had a baby. At 17, he started in the car business making 130k/year while attending nursing school. At 18, he had another kid, kept making 130k/yr and kept studying in nursing school. Amazing stuff, almost impossible to believe that someone has enough time in their day to do all this. If you have this kind of drive, you can clear this debt. He's working 3 nights/week already and you asked him to pick up more. That might be ok in some fields, but in the medical field there's an issue of fatigue and safety. A nurse can't hustle it out indefinitely while guaranteeing they don't make mistakes.

[@BlueDauntless]

If he adds one more shift, that shouldn’t be too much. Like you said, he has drive.

[@SlippinJimmy007]

Almost impossible because it is

[@YaYaLynne]

There are PLENTY of nursing jobs he could pick up with minimal patient care - No excuse at all

[@PurpleMountians]

Overtime, in the medical world, dude. We all do it. My husband hurt his arm and could not work for three months. I pulled double shifts to keep us a float. You get use to it quickly.

[@vashtibascombe701]

Nurses are famous for working some overtime. He doesn’t have to do it forever. Hopefully someone is using some birth control now or needs to get something snipped so we don’t keep adding to the problem. He can get this turned around.

[@jaygrenham]

21 and completely lost He owns NOTHING He owes everyone

[@tracybrovan3997]

Saw title = clicked immediately.

[@avfc2025]

Same

[@stacybraun7587]

😂😂yup

[@lovely.freedom]

This has got to be a fake call. Some people are pathological liars 🤯

[@Michael-kv5ff]

Seems sus

[@Loljjkb]

Yup

[@kayabe856]

Yep he makes 80k working 3 days a week. 3-11 shift? Sounds like a lie

[@tenningale]

21 yo, 3 kids, bunch of cars, homeowner, also owns rentals, started car biz at 17, was making 130k, then went to nursing school, graduated, and making 80k. Very weird call.

[@carbob9964]

@@kayabe856depends on the type of nursing he works in. Nursing can pay well, but depends heavily on what type of nursing, the state, and college education!

[@rtownz251251]

2800$ a month in car loans at 21. Holy crap 🤯

[@wells7147]

Money is not meant to control people rather it is meant to be put to work producing more money for you. You cannot build wealth without putting money in its rightful place

[@AIIG-zd5dx]

My outlook on money changed when I realized someone making $200K can retire broke & someone making $80K can retire a millionaire. With the current market movement, you have $100K to invest. Where are you investing it?

[@tryleraaron9244]

You're correct!! I make a lot of money without relying on the government. Investing in stocks and digital currencies is beneficial at this moment .

[@KamranKhalil-br6dk]

I operate a wide- range of Investments with help from My Financial Adviser. My advice is to get a professional who will help you, plan and enhance your management skills. For the record, working with Stacey Macken, has been an amazing experience.

[@WelseyWalker]

Honestly, I'm surprised that this mrs Stacey Macken is mentioned here, came across a testimony about her from one of the beneficiaries on the CNBC news, she seems to be doing extremely well.

[@LindaHarmel]

You trade with Stacey Macken too? Wow that woman has been a blessing to me and my family.

[@robloxvids2233]

Let me get this straight, between ages 17 and 21 this guy had 3 kids, made over 500k selling cars, went through nursing school, and bought a rental property. WAT?

[@KenistonKist]

I will be forever grateful to you, you changed my entire life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Charlotte Miller.

[@TaggeGust]

I'm surprised that you just mentioned and recommended Charlotte Miller, I met her at a conference in 2018 and we have been working together ever since.

[@jadewashington7]

She is my family's personal broker and also a personal broker in many families I'm United States, she's a licensed broker and a FINRA AGENT in United states

[@mikesnoek]

The very first time we tried, we invested $1000 and after a week, we received $5500. That really helped us a lot to pay up our bills.

[@GertonTootle]

I'm new at this, please how can I reach her?

[@bennettross1]

I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills

[@dialac1]

I smell BS. How is he a nurse at 21 and also had the time to have 3 kids and 2 houses? He’s not 21. Something isn’t adding up

[@mjabnyc]

My niece is a nurse @ 20, skipped 7th and 8th grade. Started college at 16 and graduated with a bachelor’s degree in nursing at 20. Took the licensure and passed a month after graduation. So yes It’s possible!

[@XxstuntkidXx]

I mean it’s add up pretty well

[@kozmo3688]

Trade school to become and CNA for a year then 2 years of college to be a RN. It’s definitely possible.

[@fortyseventhronin]

It's called an associates degree

[@t3morga]

Imagine this guy as your nurse....... stressed out to the max 😢

[@BlueDauntless]

He doesn’t sound stressed. He sounds like he needs some help because he knows he can’t sustain this. He’s not stressed. Not yet.

[@mikeygROCNY]

😂

[@medicman9411]

As a nurse I am not sure what he is thinking…why would you leave a 130 K car job to make 80 K as a nurse. Sounds like a blow hard.

[@annehajdu8654]

He's a talker. Won't shut up.

[@And1one757]

He definitely would eff up a vein in your arm while drawing blood 💉🩸 thinking about his personal life

[@theflightsimulationexperie6894]

This dude has money problems likes he’s 55 years old and he’s 21 just barely legal to drink. Let that sink in.

[@politcallycorrect5816]

which is a good thing. He can sort this out easily in his 20's as opposed to someone near retirement

[@SRD1281]

It's not "good." It's just that he has time on his side.

[@politcallycorrect5816]

@@SRD1281 you misunderstood, the problems aren't good. its good that hes young.

[@SRD1281]

@@politcallycorrect5816You misunderstood. There's nothing good about any of this.

[@tenningale]

It's almost like a parody call unless he's using a different age or whatever. 21, 3 kids, started in the car biz at 17, was making 130k/yr, now graduated nursing school and doing 80k, homeowner and also owns rentals, owns several cars...

[@kippy657]

As a heads up, being at the top of the leaderboard for debt isn't a good thing.

[@macneoh7418]

"I'm young and dumb!" The only thing he said that made sense.

[@byronbullough5739]

This kid jumped right into it all at a young age, sheesh

[@ForwardMozell]

I lost over $80k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Charlotte Miller.

[@pedroAgondel]

I'm surprised that you just mentioned and recommended Charlotte Miller, I met her at a conference in 2018 and we have been working together ever since.

[@HighlightsSerieATIM]

The very first time we tried, we invested $1000 and after a week, we received $5500. That really helped us a lot to pay up our bills.

[@TaggeGust]

I just withdrew my profits a week ago, To be honest it was an amazing feeling when the profits hits my wallet I wish I could reinvest but, too much bills

[@ForwardMozell]

she's mostly on Instagrams, using the user name

[@ForwardMozell]

FXMILLER15 💯.. that's it

[@tenningale]

If this isn't a troll call I don't think this guy is 21. Married, 3 kids, started in the car biz at 17, was making 130k/yr, then graduated nursing school and doing 80k, homeowner and also owns rentals, owns several cars. Sus...

[@kivekkulat5114]

I agree it’s odd timeline. I wonder if he fibbed bit and he was in cars and his wife nursing. He lost job and now she’s working and he stays with kids. I’d guess he just combined the stories either for ego or to not get advice for him to just get a job.

[@tenningale]

@@kivekkulat5114 Could be. At first thought maybe he just wants to help with the anonymity aspect since these calls get so much attention or just gave a random age, but idk.

[@notmoose8670]

People crazy these days. When I was 21 I bought a used car for 10k and my payment was like $140 a month. $2800 a month for cars is crazy!

[@jonrecker3513]

What "car business" pays a 20 year old $130,000/year? Is he selling Bentleys?

[@QueenRissa_34]

Exactly….and I graduated college with a BA degree and I was 22!! And there is no way he’s making $130k a year at 21 with oa two year degree…🙄 Not buying it at all or even the 80k a year….😫

[@JaydoggX1]

Have a 19yr old salesman and used car lot. Works hard makes about 70k. Car business is very unique

[@DDoubleU8001]

1. "We're 350,000 in debt, my income just dropped by 50,000 and we have two kids" 2. "Let's have another kid" 3. "Okay"

[@sjordan7085]

But,, sex is free entertainment! LOL....

[@mrscreamer379]

The math aint mathing. 21years old. Claims to have been a car salesman on 130k for 5 years. But also trained at a nurse (4 years). Also managed to get two properties ... I smell a paid actor who didn't learn his lines properly.

[@SlippinJimmy007]

Yeah he was in nursing school and the car business making 130k and had a kid while also in high school…LOL

[@Ruffles2012]

Pretty sure he said he's 31 NOT 21 but the hosts heard incorrectly

[@Rosediamond270]

True, I believe that this is a made up call!

[@tmjones212]

@@Ruffles2012 he very clearly says "twenty one" and then says "started early" regarding his kids so the guy is just lying to be on the show

[@Loljjkb]

This. He makes no sense at all. Unless he inherited a bunch of cash and lying about being a nurse. How did he accumulate credit score to qualify for a mortgage and a car loan. He’s definitely lying to troll

[@theplacesigo4169]

So he is 21. 3 kids and a wife. Two mortgages. Two car payments. 18 grand in credit card debt. Said he changed careers and is now a nurse after being in the car business. When did he start school and start having kids...age 16??

[@christophergill871]

Agree nothing this guy said makes any sense.

[@notmoose8670]

He's been busy! lol

[@santospantoja3]

Yeah, that's don't sounds right. No way he could get 2 mortgages

[@cardiiiiii]

@@santospantoja3not even A MORTGAGE

[@rleonekc07]

i will never borrow money again

[@eurekahope5310]

Wishing him the best! He has a hard road but has work ethic and personal responsibility. Get to it!

[@Ryan125y]

As a former car salesman how did he not know people can't afford 2800 car payments!

[@William.Mancini]

"Young Americans, don't let the system define your fate! Break free from the cycle of debt and financial struggles. Invest in the financial market and take control of your future. Build wealth, generate passive income, and secure your financial freedom. Invest in yourself and create a brighter tomorrow."

[@MaryLinda-my5td]

I agree with you and I believe that the secret to financial stability is having the right investment ideas to enable you earn more money, I don’t know who agrees with me but either way I recommend either real estate or bitcoin and stocks..

[@D-law65]

You're absolutely right, you've remind me of what someone once said "The mind is the man, the poor is in it and the rich is it too". This sentence is the secret of most successful investors. I once attended similar and ever since then been waxing strong financially, and i most tell you the truth..investment is the key that can secure your family future.

[@shana.ball3]

Putting our time and effort in activities and investments that will yield a profitable return in the future is what we should be aiming for. Success depends on the actions or steps you take to achieve it. Show me a woman without investment and I'll tell you how long it takes to go bankrupt.

[@SegunSpiff]

I agree with you had a senior colleague at work who was doing well but never had an investment. Unfortunately he lost his job and went from living a comfortable life to hardship. There would had been something to fall back on if he had an investment

[@edna.Chavis]

that's why I always urge everyone to start investing somewhere now no matter how small, this is literally the time for that, forget material things, don't get tempted,i became more better the moment i realized this.

[@jimroscovius]

I worked 3-11 and my wife worked days. We had two kids. Only needed daycare for a few hours.

[@BlakeWheelersBurnerAccount]

I wish Dave was on this call 🤣

[@ihaveadreamformykids4400]

He said he’s 21 but there is no way lol

[@Rashaadthegr8]

Sell everything. The end.

[@iddddaduncan]

That’s quite an impressive amount of debt for a 21yr old, Congrats!

[@Mr_D555]

At 21 I was single, driving as 8 year old truck and paying $75 mo rent in a trailer park. Life was good and fun.

[@evanandersen64]

Wow!!! A father at 16

[@OhioStateBuckeyefanstuckinMI]

A 5 year old at 21 😮 1st kid at 16 years old is wild

[@toddbrown9095]

O-H

[@OhioStateBuckeyefanstuckinMI]

@@toddbrown9095 I-O 🌰

[@brewsandbass5572]

That's the problem with social media. They make it look so easy and everybody wants in. I'll never buy another rental property again.

[@HezyTech]

Im sorry but his life sounds too bizzare to be true. 130K salary by age 21, while popping out three kids? What is he? a rapper from Compton?

[@webfreakz]

No, he was selling cars

[@Loljjkb]

😂

[@ramon1327]

Blows my mind how people can be book smart and educated but it when it comes to financial literacy they act like it’s rocket science.

[@travisbickle1455]

3 kids before the age of 21...this is 2024, not 1824.

[@CM-sy3to]

Makes more sense than waiting until 40 then having to spend 80k to do invitro and maybe still having no kids. Kids are treasure. Eternal value. Your crap you buy at 20, 30, and 40 can't compare to holding your own baby in your arms.

[@holysimplicity]

Some people actually see the value in having children and realize they’re wonderful to have and don’t see them as burdens like most of society. Keep your comment to yourself.

[@travisbickle1455]

@@holysimplicity Please explain how would you support your 10 children if you are the sole breadwinner and just lost your job. The US economy isn't getting better.

[@slambig]

@@CM-sy3to I went to school, worked my ass off, and had a baby at 40, right after I retired. Holding a baby is overrated and they didn't get interesting until they hit 4-5. But whatever you say poor person. IVF cost me 20k which wasn't shit.

[@BlueDauntless]

@@slambigHow sad for you that you don’t even value holding your child.

[@Coladene]

Caller says '..I was young and dumb". Dude!! You're 21 years old.... you are still young!!! 😂

[@STREETFOODJOURNEY5]

im exhausting just by watching this video 😂

[@joefunk76]

2:50 “I’m young and dumb and full of… -that’s okay.” 😂 Ken’s keeping it family friendly!

[@CarlaQuattlebaum]

I only heard up to "dumb". Someone was quick on the dump button.

[@Vanzee-fb2xb]

Hallelujah!!!! The daily jesus devotional has been a huge part of my transformation, God is good 🙌🏻🙌🏻🙌🏻🙌🏻🙌🏻was owning a loan of $47,000 to the bank for my son's brain surgery (David), Now I'm no longer in debt after I invested $8,000 and got my payout of $270,500 every months,God bless Christy Fiore 🇺🇸🇺🇸🇺🇸..

[@Allie-ye8oe]

After I raised up to 525k trading with her I bought a new House and a car here in the states🇺🇸🇺🇸 also paid for my son's surgery….Glory to God, shalom.

[@Valliere-fy2jo]

Can I also do it??? My life is facing lots of challenges lately

[@Doucette-ju3hb]

I've always wanted to be involved for a long time but the volatility in the price has been very confusing to me. Although I have watched a lot of KZbin videos about it but I still find it hard to understand

[@Allie-ye8oe]

Oh yeah ❤❤❤

[@Allie-ye8oe]

Just combine the digits

[@Tap354]

2800$ in car payments is more than most make per month take home pay😅

[@canton444]

I am actually quite impressed with this kid. Making a $130k a year since he was 17-18 years of age, bought a house and a rental home. Now he is married with 3 kids and was able to complete his nursing degree and now working as a RN. He sounds like he's fully aware of his young and dumb mistakes at the age of 21. His biggest mistake is just the 2 car loans, $2800/month = super high interest rates for a young man. Then the $18k credit card. Once he gets out of debt I would love to see a follow up video of him 10 years from now.

[@Shortballa11]

How do people that work in the Car industry get into to crazy car debt? That's like being an obese personal trainer. You know all the tricks.

[@brownsugga2584]

it all boils down to living beyond their means

[@abrareads]

There seems to be a weird image thing in the car industry. I have to have a brand new car to look the part.

[@jimeagle5509]

This guy is 21 and has already basically ruined his life….

[@notmoose8670]

Well at least it's not crazy student loans for some non-stem degree.

[@Nikitajade08]

The 3 kids at 21 had me more shook than the $350000 in debt

[@Jumperman12mac]

Dude sounds like he is like 36 vs 21 lol. And definitely living it.

[@laserwizard2]

$2800 in car payments? I about fell out of my chair.

[@WonderWomanInMichigan]

2800 is 1000 more a month than our entire monthly budget 😮

[@Heliox98YT]

I really respect the way he said " Is your wife ALSO working, OUTSIDE THE HOME?". respectable man mindset.

[@gabrielaromay7244]

Im sorry 18k in credit card debt? 😃im stressing over 1,200$k in my credit card lol

[@webfreakz]

Pay it off, today! -Dave

[@Loljjkb]

Any credit debt is stupid. Credit card interest rate is 29%. Why would you get into a credit card debt? Unless you’re a effing moron

[@kendrapratt2098]

Is this the guy from Catch Me If You Can 😂

[@righand]

Dude was in the car business but couldn’t even pull out of a driveway.

[@dibari22]

$2800/mo in car payments is the craziest thing I've ever heard

[@games68775]

130k a year since 17? Car business commissions must've been nuts

[@erikfisher16]

I want to be the guy to push the hold button. Looks like so much power

[@BrianW211]

Hmm... It seem like the rental income and mortgage payment on the rental would be critical to know before just saying "sell it".

[@brendaababey]

For 21 he has a lot of guts . 3 kids , Debt and a wife that’s a FULL PLATE . At 21 I was a booger on the wall 😂😂

[@candy2325]

Lmao 😂

[@zacharyfair6738]

I have to say it.... he will be fine. Motivated, able to articulate his thought process and seems very self reflective. 75% of the population hasn't reached this level.

[@jayo3074]

Anyone reading this please ignore this comment. Do NOT aim to get into 350k debt and do NOT have so many kids so young. This is not a flex and life is not a race. Take your time, find your passion and develop your skill sets and take the slow and steady path in life. It will develop your character and you will reach your goals.

[@tommytereshinski8522]

Making 130k is a hell of a living, and at 21 he has a future in this, maybe more than medical. I don’t understand the career switch unless he’s really averse to sales

[@Bob-yh7ir]

Well hopefully he has learned a hard lesson early in life and will be in a great position going forward and for his life. The fact that he called in and knows he has a problem is about 90% of the problem addressed. Would love to hear him call back in at 25 or 30 and see how things are going.

[@oshkoshbegone]

nursing = 4 year degree (RN), 130k as a car salesmen = full time work, doesn't add up. Parents = gave us money, or banks allowed this Ludacrisy adds up.

[@ronica2623]

Not sure he said he was an RN

[@LoveleshColaco]

He is 21 years old with college plus nursing degree and 4 years of Car sales experience. Math ain't Mathing Also age could be 31 instead of 21

[@A-Few-Thoughts-For-You]

He’s actually got a reasonable pathway out. I hate that they mute people - it’s got to be annoying to have a conversation and then be cut off with music

[@jayo3074]

They have to or else they'll just waffle on and talk forever

[@markoman5267]

When did this guy have time to have kids in the first place?

[@angelica7236]

There is no "quick fix" . Its gonna take time, but he can do it .

[@peternguyen4578]

Fake caller or it’s staged. No way he was a car salesman and a nurse before the age of 21. Nursing school take between 2-4 years.

[@MiguelDiaz-zk8dk]

Could have started nursing school at 18 straight out of high school??

[@sandi6818]

Not an LVN or LPN program. That’s a nurse and it can be a one yr vocational program.

[@beaniemac]

2800 on car payments?? That's damn near my entire monthly budget all in. WOW!

[@marklabonte2925]

What banks are giving out mortgages and car loans to under 21 year olds with 3 kids that are STILL IN SCHOOL??

[@kleindropper]

If they see a $130K income they are more than happy to do so.

[@Loljjkb]

@@kleindropperthat’s not how it works. It’s the credit score that determines someone financial history.

[@Neoquaker1]

I wish Dave took this troll call

[@PenusDrippings]

dude hes a nurse he can work 80 hours a week.

[@ONLY1KUDWE]

21 year old saying he was young and dumb. 😂💀

[@bigcahuna42366]

Three kids for a 21 year old is a lot of kids. Hoping he doesn't plan on having more while he is getting out of this mess.

[@rich6246]

I’m so glad he learned this all while he’s young. He’ll knock this all out & be just fine.

[@BrianW211]

This call is the apex of "This doesn't add up." He was able to get two mortgages totaling about $350K by the age of 21. He's 21 years old and his oldest child is 5 years old, so he was 16 (maybe even 15) when he got his wife/girlfriend pregnant? Has worked in the car business for 4 years, so he was 17 when he started, I assume, selling cars, since he wouldn't have made $130K doing anything else. He's now a nurse and went to school for it. It would've been difficult to get an associate's degree in nursing in that time frame with all of the other stuff going on. If all of this stuff is true (I'm skeptical), this guy is a super hard worker, but has received some of the absolute worst influences in his life.

[@doghearmeout2283]

I'm not a mathematician but this shit don't add up

[@Diashi1267]

Bro is a 21 year old 40 year old😅😂

[@PaintingandExercise]

Well, he managed to have 3 kids, purchase 2 homes, over purchase 2 cars, get married, and go to nursing school while working between the ages of 16 and 21. He packed a lot of grown up life into 5 years. If anyone can get out of this mess then I think that it will be this young man. At least he is driven, energetic, and willing to do hard work to better his life. Most people wait until they are 35+ years before they try to correct the path that they are on.

[@Heliox98YT]

The fact that bro did not sell those cars instantly, shows he cares more about appearing rich than anything else.

[@huskyhooligans999]

Gotta find some sleep in there somewhere 😂

[@SnifferSock]

Ah the classic $10k beater car LOL

[@modernmillennial]

hes made mistakes but he is pretty smart. Correcting it now at 21 is smartest move hes made

[@chowfun1976]

He went to high school and nursing school at the same time when he was 17 but not before having a litter of kids by the age of 13. When he was 15 he bought two houses and almost $100k in cars. His wife is a super model who gave up the runway to be a housewife. All his kids are in private boarding school and the oldest has been accepted to Harvard as a kindergartener.

[@aaronmurphy8796]

Really doesn’t seem that bad . 250 of the debt is a rental . 90 is cars . Once he sells all that he’s 21 making 80k with like 2800 of surplus income a month . Seems like a great spot to be

[@Blittsplitt5]

He'll probably mess it up again

[@rare2find0918]

The fact that he called is admirable and he seems to really want to clear the financial mess. As a nurse, who has been financially successful in the past (at a really young age).... he'll get out of this! As long as he stays disciplined and has a spouse that is onboard....they can clear it! It would be helpful if his wife could find something remote....even if PT...as it needs to be all hands on deck for a while. When he comes home from work, he should get some sleep (since he works night) and then get up to care for the children,while she works her remote role. With her working and him picking up a couple of extra shifts they should get this debt gone and hopefully never return to that place financially again!