“I Don’t Think You Want To Find a Solution”

[@linuxsurfer2002]

The problem with these calls is that nearly every time, the solution involves personal responsibility and hard work, and too many people are allergic to both of those things.

[@jasonmoquin]

You are SO right. I work a second PT job at an Amazon warehouse and this is a common story I hear from a lot of people. For many of them it's their only thing, but they don't want to work more frequently or get a better job. They settle for 16 hours a week in total on a part-time job, instead of full time work.

[@roathripper]

yeah, you could smell it off of this caller like diesel.

[@NM-hq1io]

Well said, as the person above me has said, these type of people all smell the same -> pure dogshit

[@MarkYeung1]

You're absolutely right. The answer is so simple, but so many are just not willing to do it.

[@bahwickee]

No one believes in delayed gratification anymore.

[@thirdcoast-nx7jx]

Jade is killing it daily! Next gen Ramsey hosts representing well.

[@Silverdragon517]

She is awesome. All others are simps

[@littleripper312]

She's the best of the successors for sure. None of them are as good as Dave but She's the best so far.

[@anyagee9467]

@@Silverdragon517 Dr. John Delony is good, but he's less about money and more about psychology.

[@katiem9644]

Jade is an absolute star.

[@schuylergeery-zink1923]

I love Jade ♥️ honestly all of them are good they are just a different flavor than Dave, of course, he is gritty and Southern uncle. Jade is sharp and she tells it like it is, isn’t afraid to hold the line.

[@ruhhshelle]

Jade is absolutely right. This girl is NOT looking for a solution. Her husband is working a bum job, and shes attempting to justify it by saying "we're a military family" (theyre either in the Guard or Reserves, NOT active duty). She could get out of this, but she doesnt want to.

[@takethecurseOFFwashingmachine]

Their financial situation (income aside) isn’t nearly as bad as some of the callers on this show. The only non mortgage debt was an 11k car loan, and they had 5k in savings. It leads me to believe they are probably running pretty lean financially, but 36k a year just can’t cut it. If either or both of them were willing to get their income up somewhat, and they continued to keep expenses down, they would probably be ok

[@christinao8877]

Why not suggest jobs that would be appropriate for a young Mother?

[@tduck828]

Amen

[@drn13355]

It isn't "Reserves". It is the Army Reserve. Not plural.

[@benjaminmoore985]

They tried

[@iamkesha.]

Jade made me laugh when she boldly said to stay in debt then. I felt her frustration.

[@schuylergeery-zink1923]

Yah my sister and her baby daddy live at my parents rent free and are like how do my husband and I afford our house and groceries/baby supplies (not subsidized by our parents) etc and I say “WELLLL I use Every Dollar, make a budget every month, and track every penny that goes in and out! I can show you our budget. We don’t go out to eat almost ever and don’t spend frivolously…” they’ve not yet taken me up on seeing our budget. They’re avoidant to sacrificing financial peace for frivolity. It’s worth it to us to own a house than have that $1,500 going elsewhere. It goes over their head. We’re almost done paying off our debt! We look forward to restarting retirement investing and paying off our house early 🥰

[@FlexiFlo07]

And we were all proud she did. ❤

[@kastanymusica]

I saw this comment first, but still laughed when she said it. Brilliantly brutal and so true.

[@b7Hn4eX8yv4m]

Jade is awesome, just straight talk all the time. And that's what people need, "give it to me straight, doc".

[@nora4981]

She’s right!

[@Embodyingfaiththroughfitness]

Oh I like her “I think you want to go on wic” lol she is straight to the point 😂.

[@ryankaeser8082]

bold statement by jade but awesome

[@anita77771]

What’s wic?

[@linuxsurfer2002]

@@anita77771 Basically food stamps

[@akirebara]

@@anita77771 "Women Infants Children", basically food stamps. The government sets you up with a debit card-like acct and there's money you can use in there for food (wont pay for alcohol or cigarettes)

[@Astro95Media]

@@anita77771Food stamps.

[@pro3128]

As a military spouse of a 30 year veteran who still works for the military, none of what she said makes sense. My husband had delivered pizzas at night while active duty.

[@jocool562]

Dominos!!

[@stefan18375]

Sounds more like he’s in the reserves or national guard, making weak drill pay.

[@jimroscovius]

Reserves is a part-time job, not fulltime. I had a coworker who worked fulltime and was in the Reserves part-time.

[@gbb82]

I was in the Reserves and what she said about her husband having to do military stuff every day is so untrue.

[@jocool562]

@@gbb82 i would literally brain dump everything from drill weekend unless i had some online compliance training i had to do at home haha. Aint no way I was gonna do "military stuff" on my own time and not get paid for it haha

[@BrianaBudgets]

“When he gets home he’s doing military stuff.” Playing CoD doesn’t count, ma’am.😂

[@cedricnicholson7446]

😂😂😂😂😂😂😂

[@tiffanylandes2345]

Right? He is not doing military stuff in the evenings. At least I don't know what it would be (as a former enlisted's Navy wife and later reservist's wife).

[@bigboyk1989]

🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣🤣 lol exactly

[@blaze-tz7nf]

This guy really sounds like Gaurd/Reserve. She said he's looking to get a promotion in his job that's going to take him from 30k to 90k and he's doing military stuff on the weekend and sometimes for a month or 2. So the dude's normal week looks like one of them needs to be running Uber, and then it can fit whatever random schedule they need.

[@sdavis9024]

😂😂😂

[@matthewpiatt]

Jade and George are the sister and brother we all need in our lives. 🤜🏾🤛🏼

[@doctorposting]

true love their vibe

[@johnwilburn]

George was spot on. She was calling for confirmation, not for a solution that involves her sacrificing or being disciplined.

[@rnarzu]

She's waiting and yet she's calling WIC😅

[@LL-yy6mn]

​@@rnarzuThey won't get WIC with 5 grand in savings!

[@jasonk446]

I’ve known many like her. Excuses for everything. I’ve given up trying to help them. They don’t want help.

[@roadrunner9622]

Yep. And no matter how many useful solutions you come up with -- even solutions that don't involve hard work or going without -- they've always got some reason they "don't wanna dooooo thaaaaant."

[@schuylergeery-zink1923]

My sister and her baby daddy are the same way… but he makes twice as much as this guy simply working as an insurance claims adjuster 😭 my sister is on WIC and she wants to be a SAHM but they don’t take steps to make it happen. It’s a clown show!

[@AmandaHugenkiss2915]

Long ago I gave up trying to help others or even give advice. When I was 20-21 I worked with a gaggle of single moms, I was a save-a-heux. Good lesson learned. Now if I hear whining, it's gee sorry to hear that, I hope it works out for you.

[@IzzyMakesMusic]

I needed this wake up call. Sometimes you just gotta roll up your sleeves and take a job until you get THE job.

[@TheRisky9]

That's what I did during the Great Recession. Took a temp job that kind of sucked and was inconsistent until I got the job I wanted at an insurance company.

[@DestinyC1020]

​@TheRisky9 Yep!!! Good for you! 👏🏾 That's what I'm currently doing now myself lol 😅

[@Earstolisten]

Well, she has the food stamp mindset.

[@Mavryck_Tha_Myghty]

They got her!

[@DDDD-of3hv]

i hope she says thank you when she gets them

[@Silverdragon517]

Or my husband should make more so they can be comfortable

[@workinprogress-ye5or]

Food stamps don't pay the bills, its a little cushion for food. Lots of people need them, some abuse it, but I wont judge. I'd rather kids eat while parents misbehave. Some parents work 2 jobs and still need help though.

[@codyfournellcsrf5164]

Western culture embraces it that's why western culture is failing.

[@rachelabate2401]

You go Jade! She told her what she needed, not what she asked.

[@autumnjerene]

I have so many questions? He comes home and does "military stuff." Is that code for "playes Call of Duty?"

[@BlackMenAreDope]

Exactly. I was frustrated they didn’t ask, “What’s military stuff?” You’re either off or you’re not?

[@jimroscovius]

I thought the same thing. Probably what he tells her so he doesn't have to work. What a LAZY couple!!

[@zachjones2346]

Hey now I take my Call of Duty military training very seriously

[@jimroscovius]

@@zachjones2346 So does he, apparently 🤣🤣

[@davidbrooks8809]

Lmao!!

[@untouchable360x]

"There are no solutions. Only trade-offs." Thomas Sowell

[@StandAloneState]

Love Sowell

[@kaylacochran6885]

Jade is 100% correct she doesn’t want a solution. If she is at home with the kids, they don’t need two cars. What she can do is drive her husband to work on certain days and take the car to run errands

[@verngrl]

Except it sounds like her husband is gone for multiple days at a time at least once a month. If he's taking their only car to go to training for the entire weekend, then she wouldn't have a way to get around. Not saying she isn't being lazy regarding finding work...but I can understand that they need two cars. Maybe they can get a junker for her to get around and drop their current loan. Or dude needs another way to get to training. *shrug*

[@trixi1608]

They don't need two cars for sure. She can also run her errands in the late afternoon or evening when her husband is home from work.

[@ChrisBoulas]

I doubt the company is going to bump him from $36k directly to $90k even for a different position...

[@josephhuman7390]

I suspect the same thing, everyone just skipped over that .

[@94sunset196]

I was thinking the same thing. A raise of 54K is extremely rare. Usually that takes a few promotions to reach in one's career.

[@mimidroy725]

I think from what she's insinuating he may be trying to get OCS...officer candidate school. The only way to go from 36k to 90k. Jmo...retired warrant.

[@GritandGrace33]

He’s probably trying to become an officer

[@dusty_burkhalter]

@@GritandGrace33if he had a degree which is necessary for OCS he would be a Specialist. $36k is not E4 pay. My guess is like others have said, he’s Guard or Reserves. Notice she said weekends and sometime longer like a month. As a former Guard member, that sounds like drills and Annual Training.

[@elizabethallen4353]

"After work he does military stuff" for no extra money? Every work day? That didn't add up to me.

[@linhaton4957]

@@thebeegood1731 Guessing he doesn’t want to care for the children after work.

[@moonj605]

it’s crazy how she said he does military work every day after work but he only goes on trips for training one weekend a month? every day and one weekend are such different time ranges lol i felt like we were going in circles

[@adamseidel9780]

Some reservists do military stuff on a daily basis, but they’re all officers within a unit command structure and they make just from the reserve more than this guy makes overall.

[@CB-gl5xn]

Jade is so right! Nothing will change if you do the same thing. When you get sick and tired of being sick and tired then you will do something about your situation

[@livsand]

I loved how Jade handled this. Dave would probably have responded the same way, which makes me hopeful for how this show will carry on after he retires. Jade and George are my favorite Ramsey personalities. 😊

[@BradDiBenedetto]

“We don’t have enough money but we don’t want to change anything at all. What should we do?!”

[@Mavryck_Tha_Myghty]

😂 💯

[@mbank3832]

seriously, these people really are waste of space

[@jh26pt2]

Jade is the spiritual successor to Dave. She tells it like it is.

[@linuxsurfer2002]

Yeah I'm sure Rachel gets the business - but Jade would be a better host.

[@boredoreos]

Jade is annoying.

[@John3.36]

She is dave's chihuahua.

[@whitneyw.7919]

Yes i agree.. by far the best Ramsey personality. Also, she seems genuine. It’s hard to hear Rachel Ramsey talking about taking any kind of shit job you can get your hands on to support your family when you know 100% she’s never had to come anywhere close to that in her entire life.

[@adamseidel9780]

And she’s not afraid to get sick of listening to somebody and telling them they’re being a turd

[@skateata1]

I love Jade. She knows when to be sympathetic and when to show no mercy.

[@1kSedrick]

Jade is built different ! You can tell she is speaking from experience aswell. When you’re down bad you have to be creative and sacrifice. 2 under 2 is tough but them babies ain’t make themselves

[@eurotrash55]

She never wanted help. Good on you both for calling it out.

[@MisterNightfish]

"I have tried nothing and I'm completely out of ideas aside from the government paying for my children"

[@drewo6388]

Channeling Ned Flanders' parents in an old Simpsons episode. "We've tried nothing, doc, and we're all out of ideas." That's exactly the mindset of so many people in our society. Just laziness, lack of drive, lack of grit, lack of getting uncomfortable to change their situation.

[@NoWaySmokey8889]

She pays taxes and she pays into social security (which she’ll never see). Wic is just her getting back that lost money

[@DebbyHutchins]

@@NoWaySmokey8889 Actually, she doesn't pay social security since she is not working. But she should get WIC.

[@Lil-Whiskies]

@@NoWaySmokey8889 She's paying nothing if she's not working. Those are payroll taxes you're talking about.

[@thriftyminia]

LMFAO! Love the sarcasm!

[@James_Hough]

$36k is about $18/hr for a full time job. This is also about how much my son makes working for Chick-fil-A. What's going on here? If they qualify for WIC, sure, get it, but that's very temporary and solves nothing. You either work for more money or work more....or both at this point. I never worked 40 hours a week until......maybe my 40s and then often more than that. Why? I have a family to support and that's more important that calling it a day at 3:30p.

[@musicman7297]

LOL 😂, 2 working able-bodied people and you suggest that they FREELOADOFFOFWORKINGPEOPLE?

[@jaqueitch]

The "man" is taking accountability for "his" household. Any MAN woulkd stand up to protect his family and make sure they are not in any harm - physically, emotionally, or otherwise. MAN UP!!!! Getting home at 3pm??/ come on

[@GigaChad_169]

@@jaqueitchWelcome to the 21st century of equality…the wife has EQUAL responsibility to provide also. She needs to also be earning when she can

[@jaqueitch]

@@GigaChad_169 I don't play that game. I'll take care of my family how I see fit. They will never worry about finances - ever.

[@nicodimus2222]

@@GigaChad_169 If she is doing 100% of the child care/housekeeping, she should NOT share an equal responsibility to provide as her man. This arrangement is a division of labor...just because staying home doesn't make money doesn't mean that it's not work that has to be done. If the man and her are each doing 50% of the home and family tasks, then I would agree that she shares equal provider responsibility.

[@monicadhenderson8670]

I was a Stay at home Mom to 2 girls ages 4yrs & 4 months. I found work at home jobs & work as many hours they would let me. I loved it. That was 15 years ago. Today their are even more opportunities to work from home around the babies 👶 I'm still working from home & my girls are teenagers & one in college. It can be done.

[@annehajdu8654]

*there

[@littleripper312]

100% this is what working class and middle class women have always done. She chose to have children with a lazy man of top of it so she really needs to get working. The entitlement of her is nauseating. No women listening are going to have sympathy for her as we know she's just entitled.

[@adeyosola414]

@monicadhenderson8670 Please what type of stay- at- home jobs did you do?

[@sarazink2237]

Sounds like you have a ‘go getter’ attitude that this lady needs to develop. Sometimes just staying home isn’t economically or ethically responsible. It’s hard to run a one income household these day and I don’t think government programs should be the solution to their problem

[@tvf8192]

Jade thank you for not sugar coding it. The caller had no desire to change anything! It was infuriating! 32k is NOT enough money to have 2 kids and live a decent life, changes need to be made!

[@tamarasanders6538]

The caller's husband obviously has a full time non-military job. That caller isn't telling the truth about her husband doing "military stuff" at night. What she described is not full time military service, but Army Reserve type service which is one weekend a month, and then 2 weeks for yearly or more training. My brother has done this for decades and there is not at home after-hours work. It's all done at the military station.

[@romanyimesgen6136]

Thank you for explaining about the military. because I can’t imagine making 36 working full-time as a military person. I know people who make more money working in McDonald’s.

[@JaronPope]

This was freakin awesome! Awesome job Ramsey team. I love it when strong people coach the weak. You guys rock!

[@kevinb8881]

Jade says people would rather be right than happy, tell them Jade!!!

[@OopThereItIs77777]

This was gooood live. Jade gave her the business as she should have

[@hurle21]

Jade speaking straight facts!!

[@taurusthebull76]

Problem is a lot of people resist change. Whenever it requires a lifestyle change to reach the goal, often it's viewed as a hurdle too high to scale.

[@nancyskilton136]

My husband worked Monday-Friday 8 to 4:30. I worked weekends, holidays and night shifts when he was home to care for our 2 kids. It was tough, but we were determined not to have to rely on any government programs.

[@striving1]

He's in the military 🪖 I think they should get WIC until he can make some more income.

[@Silverdragon517]

Jade is much Hero. She tells women what they need to listen to

[@MrPotsy81]

I used to get second and third jobs. Never gave up. And one point I would like to add is that there is self-esteem in doing it yourself. This is something these people don't get.

[@chrisengletx]

this was SUCH a good call.. really a super strong push back on someone that doesnt want to do anything besides one low paid 40 hour job a week for two people. even if they drove uber a couple of hours every night.. even TWO hours... to bring in another $50 per day..

[@cooleobrad]

Best Jade call ever

[@linuxsurfer2002]

George is spot on with his bit on "options" at 10:50. They have said it before on this show too - the idea that if all you have is bad option 1 and bad option 2, then you need more options!!

[@marybaltazar6751]

Jade is honest and helpful. She's real! Really enjoy listening to her and George.

[@mr.f8420]

Jade=FACTS! 😂 love it

[@onehittaquitta]

Husband is in the Gaurd/Reserve. It's 1 weekend a month, 2 weeks a year at most. I've been in the Guard and Reserve 15+ years and saying "military stuff" after work is a cop out. The military member does not do "military stuff" outside the 1 weekend a month, or 2 weeks a year Sometimes booking an airline ticket online or travel voucher online at home on a computer which takes at most 30 minutes.

[@tmi4507]

That’s what I just was mentioning! I was active duty military as well so to sit there and hear someone say they’re gone 1 weekend a month and they “do military stuff” after work made zero sense to me.

[@onehittaquitta]

5 years and counting! Ready to retire lol@@tmi4507

[@tmi4507]

@@onehittaquittacongrats! That’s awesome to hear

[@akirebara]

I'm glad Jade went straight to the point. Because that woman and her husband did not want to work. her husband and her can tag team do UberEats/Doordash or Lyft/Uber. be uncomfortable now so you can be comfortable later.

[@selsahmwishen2981]

Wow "Be unconfortable now so that you can be comfortable later." What a wonderful advice.

[@akirebara]

@@selsahmwishen2981 im talking from experience. paid off $26K of student loans 2 yrs after graduating college. im now almost debt free (just mortgage), i put in 16% of my salary into 401K. life is good when you're not constantly looking over your shoulder and can afford vacations to other countries once a year.

[@mamamia8284]

She has a two months old, in some cultures women don’t even leave the house yet at that time. This chat is brutal and not in a good way. I say this as a woman who worked part time with a two month old.

[@ethanennis8]

@@mamamia8284and a lot of spouses make more than 36k

[@jimroscovius]

​@mamamia8284 My wife and I both worked fulltime with toddlers. We weren't lazy.

[@manuelerives7133]

What I heard in this call was laziness. I am a military retiree, and we started with no rank and two children. We chose for my wife to not work as well, but I worked two jobs, went to school, and mowed lawns on the weekend. Fast forward 27yrs, I am less than 6yrs away from my second retirement and will be done with the workforce, making 81k at 57. I have been following Dave for over 14yrs and he has never let me down.

[@manuelerives7133]

Oh yeah, much of the time in the early years, we only had one car (it can be done). We almost always paid cash for vehicles but always lived within our means.

[@ldtriton]

Gotta love Jade! She gives it to you straight and direct. Almost like the female version of Dave. 😂

[@galemonifahmusic]

These two are so great together as host. Both been in the trenches of debt, gotvthe give it ro you straight approach like Dave, very fun and smart people 🎉

[@Bamapride1985]

This is very low income for a family of 4. Their federal tax obligation would be $0 so if they check their withholding, could have more money monthly. I see it a lot with the lower income people that will claim single and 0 to have maximum amount witheld so they can get a big refund. I had a friend adjust their withholding by explaining how taxes work with standard deduction and how much tax they should be accounted for and basically gave them an extra 400 per month and still got a 3k refund with having a family of 3 kids.

[@Weda40]

That part Jade! You are on point!!

[@PamWD]

You can stay home with your kids--which I think is VERY important--and bring in income by working from home. I ran a home daycare when our son was small because that's what worked best at that time. When he was older and in school, I started the business I am still running today, 27 years later. I took the skills I already had in office support and transcription and made a business out of it. I think if you want it badly enough, you can stay home with the kids and make money. My husband supported me all the way.

[@coriemmett1363]

That’s awesome 😅

[@unbothered6357]

Jade is out here spitting hardcore facts and being brutally honest Okay ma’am We hear you 😊❗️

[@fredogiron4641]

BOOM 💥 there goes the dinamite! Jade just gave her a reality check!! Love it !!

[@macklonrobinson8269]

I think I’m the only one that actively waits for that “hang up button push”

[@gailrodgers3079]

WIC is different than food stamps (SNAP). Income can be higher for WIC than with SNAP. WIC programs should have been applied while you were pregnant the first time. WIC pays for milk, cereal, peanut buitters, beans and jiuce. SNAP allows you to get any food item.

[@linda__4587]

Glad to hear some of this. I have family members who was to stay broke because no solution will work.

[@NM-hq1io]

I wish I was as assertive as Jade, George, etc, who challenge these people who want to do NOTHING about their situation

[@jimroscovius]

My wife and I are very assertive. When my son was in high school, my wife found him a summer job detasseling corn. He hated it. The next summer, she told him he needed to find a job. He didn't, and after a few weeks, she told him, "If you don't get a job in two weeks, you'll be detasseling corn again." He found a job, and he even kept it while in college. He found that being lazy doesn't work.

[@NM-hq1io]

@@jimroscoviusgood on you! No doubt your son will be a success when you instill him with that tough love & work ethic from early on -> he definitely won’t end up like the couple in this video)

[@OopThereItIs77777]

I am super assertive lol people refuse to get into with me because I’m kind but clear. My husband said Jade reminds him so much of me lol. You have to be. You can’t be unclear. It’s gotta be straight

[@jimroscovius]

@NM-hq1io No, he won't. He even bought his last car with cash. He didn't want a car payment. His girlfriend also bought her car with cash.

[@NM-hq1io]

@@OopThereItIs7777710000%

[@AmandaHugenkiss2915]

Jades got it going on. Quick, direct, no nonsense. "Deliver the paddle" was great.

[@williamehlers5158]

If you need government assistance, that’s fine. If you don’t want to work outside of the house, just admit that. Don’t say “I’m not a natural salesperson, so that’s not an option. And “I don’t know how to work in customer service, because I’ve never done that either.”

[@Mavryck_Tha_Myghty]

I would have had a lot more respect for her if she just admitted it. 😊

[@workinonit9562]

Stay at home wives could always do in home daycare for a child or 2 to earn extra income and people would love to have their kids at a home setting rather than a "daycare".

[@jimroscovius]

​@@workinonit9562She could work retail on the weekends. Stores and fast good are always looking for part-time help. Lazy, lazy, lazy. And she wants the taxpayer to fund her laziness!!

[@EsiriE]

@@workinonit9562this is a good idea too

[@valerieosborne16]

My husband is having a hard time finding a clock in job. He is door dashing on the meantime. He does that when I come home from work. He stays home with our baby while I work. I stay home when he door dashes. You can make money. Money is out there. I live in Clemson SC. She can bank it in Greenville with door dashing.

[@doctorposting]

as a physician her example about the doctors office is 1000% accurate lol lots of patients would rather do nothing

[@peterwilder752]

He's in the reserves. 7-3:30 is a great schedule for figuring out an additional job. Leaves your weekends and evenings open to slot in another 12-15 hours a week

[@krobdawg]

Jade talking to some of y'all in the comments too 🔥

[@Mavryck_Tha_Myghty]

💯

[@joestephens4810]

A basic rule of communication is to never assume the motives of another person. You can give advice without being overtly condescending.

[@mustangthings]

Jade nailed it on this one 😂

[@adama8514]

Thank you Jade, this was awesome!

[@anabolic123]

Jade is so articulate and delivers solutions with such a soft blow. Problem is she doesn’t see herself having time to do more than be a mother. Children are exhausting! It’s mentally hard to get motivated and be able to manage kids and a job. In this situation husband the one that needs to find ways to make more money. He needs to manage his military time better so he can feed his family and do side hustles

[@michelejohnson6459]

Then stop having children 😒 🙄

[@mariorta5017]

Jade is awesome telling you what you don't want to hear ❤good job Jade!!!

[@Observer100-cn7gv]

The only thing I have to say is do not get married or have children if you are not in a position (financially) to do so. Wait or stay single. Abstain. Simple. It isn't fair to the children. All this hurrying to marry.

[@Bock728]

It is completely irresponsible to have children with that income. Completely irresponsible.

[@NoWaySmokey8889]

This is a eugenic mindset. Even Dave said you can live well on 30k a year if you don’t have debt and live within your means

[@ayo_k32]

@@NoWaySmokey8889Nah I think it’s a realistic mindset. I was raised by two parents who were poor and it was not good. My childhood memories are of poverty and never having enough, even not enough food. It was depressing and felt hopeless. In this day and age, $30k is almost nothing. And here in California if you make $30k you’ll probably be homeless because you can’t qualify for any apartment making that little. Even in a cheap state I don’t think you could say you’re living “well” on 30k. That’s just barely scraping by.

[@NoWaySmokey8889]

@@ayo_k32nope. If you have no debt and you make choices to live within those means, you can live fine. Will you own a home? No. You’ll rent. I live in a red state in the south. I know plenty of families making it on 35k. 30k is a bit low, but still, that is what we taxes for, to help those who don’t have all those opportunities. Not everyone is able or cut out for high paying careers or university 😊

[@MarkYeung1]

Jade is absolutely right. The answer is straightforward. But she is just unwilling to do it.

[@DebbyHutchins]

Jade is a moron.

[@v.m.4453]

I love Jade. She has a sharp tongue and clever wit. She the clear Dave Ramsey successor. Well done!

[@cutlerylover]

" we buy only what we need" is VERY subjective...you dont "need" any desserts or any snacks...if you have kids you buy snacks and sweets lol thats wasted money just sayin' you want to enjoy life but not waste money its super specific to each family and persons idea of whats necessary and whats not...one person will only drink water another will spend $20 a day on soda for their kids becasue they want it...At the end of the day VERY few people are willing to give up enough of their life luxuries to get out of debt faster...and thats ok thats your choice..

[@machutson5493]

He's in the reserve, not active duty.

[@nicheblondie]

I just love Jade! She always gives it straight, she is truly the best of the Ramsey talents!❤

[@DaishaView]

When they suggested her getting a night job she was real quiet. This family has many options of getting themselves out of their situation but they’d rather be comfortable than do the work

[@cgustin1899]

She has a 2 month old. I’m sure her nights are waking up three times to feed it

[@melrosehawkins8294]

Jade nailed it. The woman didn't like the answers she was getting and not willing to accept any pain.

[@curiouscat3384]

LOVE JADE!

[@mabelcardona2874]

Success looks a lot like hard work. It's not easy, but boy how good does it feels to have control of your finances!

[@GAFB1122]

Another example of bringing kids into the world when you are not ready and can't afford them. His lower income doesn't appear to be a new or recent thing, yet 2 years and 9 months ago you did the deed to have your first child and as if that wasn't bad enough about a year ago you did the deed again and now child number two. People, people get your affairs in order including your finances before you have children.

[@Mavryck_Tha_Myghty]

🙌🏻

[@brianmweuteacher]

Very true we need to listen and get the solutions.

[@parkeranderson1172]

Love the longer clips.

[@rachelsande6741]

I agree with so many things, but I will also say, going on WIC for a time isn’t the worst thing in the world. It’s there to help if/when you need it.

[@ethxo6734]

36k and they thought it was a good idea to have 2 children? Incredibly irresponsible.

[@Pete-tc4rd]

I love the show and were new. We realize how we messed up...and now we can clean it up. But u need to hit rock bottom to realize it. Don't call in.. if ur not ready to hear and ... accept the truth.

[@shanep2760]

Reservists don't have to do "military stuff" every day after work.

[@simonthebroken9691]

It's not tough love. It's just love. We're too soft.

[@lindaparks4486]

I had to hold my laughter with George and the "Well....". I swear I just had that conversation last night. You can't help everyone if they don't want it

[@doubles1545]

I didn’t bother to hold it/ I laughed out loud. The way he said it was just the funniest.

[@TheZiZaZo]

Great video. She needed that tough love

[@horanz]

Thank you Jade. She needed that tough love.

[@BrianW211]

Her husband works 7:00am-3:30pm. Why can't she get a evening shift job while her husband takes care of the kids?

[@christinamichelle3923]

My husband and I primarily live off his income with two little ones as I am a stay at home mom but it is hard to make it these days on one income! I clean houses part time and we use that additional income to throw towards debt and to make sure we’re never in the red! It feels GOOD to move forward, never settle for staying stuck! If you want a solution there are plenty!💜

[@musume7723]

Everyone missed what his "military career" actually is. He's in either the National Guard or the reserves, which is why he goes away once a month and why he's still working a regular job. The "military stuff" he does after work probably has to do with his job in the reserves but I doubt it's anything that would keep him getting a second job. It works great as an excuse, though

[@Twotonetonyy]

Really like this take very transparent get to work , work from home doesn't mean sales

[@geezy4000]

My dad did 20 yrs in the Air Force and he had some 2nd jobs.

[@warrensloan3467]

If they have any family or friends that need child care, she could make good money by just taking in one kid during the day while she’s watching her own already, that would make a big difference.

[@marias5088]

Great idea!

[@jocelyna.862]

There’s nothing wrong with getting on WIC. It’s just covering food for your kids. The fact that our country has a program to make sure kids aren’t starving is amazing. It saves me a really good chunk on groceries and it’s nothing to be ashamed of

[@derrikpeterson5393]

I think Jade just became my favorite Ramsey personality. I couldn’t agree more.

[@djpuplex]

Shes got to get a weekend job and ge has to get a second job. $36k even in South Carolina aint enough to live on

[@SRTBOAT]

$36k is hardly scraping by in any state, especially when feeding 4 mouths.

[@djpuplex]

@@SRTBOAT That's $17 a hour full time. She and he could make $20+ as agency CNAs working in hospitals and nursing homes.

[@SRTBOAT]

@@djpuplex My friend started at Amazon as a tier 1 floor employee and they gave him $18/hr plus overtime opportunities through the holiday season. This guy is intentionally taking bad pay.

[@rebeccashields9626]

Yeah and they have enough time to work more. She could work one twelve hour shift as a CNA for $18 an hour on the weekends. Dad could hang out with the kiddos that one day. Also dad needs to switch jobs. His pay just isn’t enough and he can make more doing plenty of things that don’t even require extensive education.

[@djpuplex]

@@rebeccashields9626 She didn't want to go to work or go to a one car household. She wanted to go on welfare. That's why Jade and Camel gave up.

[@Pyramidz0]

Love how they handled, this. When your home is on fire, we run.

[@loveubye2288]

WIC isn't food stamps so correct the captions. There is nothing wrong with getting on wic if they qualify. I didn't hear any conflict in this call (for example they want to get an additional job but they have to keep their income low to get wic etc. ) just a question of whether they should use wic or not, why would they not?