We Have $90,000 In Debt And No Money!

[@sunny4799]

A woman who cleans houses once told the story that her husband was laid off, and he came to work with her cleaning houses for a temp time. She asked him "are you ashamed to be cleaning houses?" His response was "I will never be ashamed to do the same work as you. And I will never be ashamed to do hard honest work."

[@tulipplant9317]

That's cute

[@thisisajourney8956]

❤

[@QWERTYUIOP-ed7sv]

A keeper.

[@ethanlee-c3d]

I stopped being ashamed of a job when I realised that the job pays me regardless of the work. Then realise there are much harder jobs out there. Make the job easier if you can, then it is an easy job.

[@theburnetts]

This call is a perfect example of why Dave is so so much better than the other Ramsey personalities. Dave has life experience that the other hosts just don't have. He has the perspective and the fatherly touch that Jade and Ken and George and the rest of them just don't have. He has the ability to zero in quickly and understand exactly how a call needs to be handled. Too many of the other personalities seem like they are reading from a playbook. They just immediately want to talk about income and debt and they regurgitate the baby steps. Dave knows when a certain type of touch is needed. He knows when to be harsh and when to have a lighter touch.

[@Vencarter]

very well put, saved me the characters

[@cjhoward409]

Or his daughter who rode daddy’s shirt tails and into that radio and book career. No way Rachel would be where she is without her dad.

[@kingsgold]

Dave gives fatherly advice. Although Ken, John and George are fathers, they are both very analytical. John more so because he has a doctorates. Im sure John is the same at home. But he doesnt have that father anger that Dave has when someone is about to do something stupid and you need to listen to me now tone. John is very much sympathetic and apathetic. Sometimes a call needs that anger to right the ship and get things moving in the right direction.

[@jomo7002]

That's called wisdom

[@biolife3274]

It’s called common sense. If they were not at work, they would probably tell people like it is too and give their honest opinion. But they can’t do that. They can’t say anything that compromise what’s being sold my Ramsey. Dave will do and say what he wants because like he said you can’t cancel him, he owns the show so he doesn’t care. But they can’t make their company look bad.

[@demo2382]

On the bright side, this family is young! Plenty of time to get back on track. A lot of people are in this mess in their 40s

[@jesseenixon]

yup

[@patriciaramirez3139]

YES, LOTS OF PEOPLE IN THEIR FORTIES EVEN IN THEIR FIFTIES ARE IN A LOT OF DEBT, SOME BECAUSE THEY HELP THEIR ADULT CHILDREN WITH THEIR MESS, OTHERS BECAUSE THEY CAN NOT HOLD BACK ON CHANGING VEHICLES EVERY YEAR AND OVERSPEND ON STUFF THEY DO NOT REALLY NEED, OR GO ON VACATIONS CHARGING ON CREDIT CARDS, CONSUMERISM IS AN EPIDEMIC.

[@amechecameron3217]

Which is still going so what’s your point?

[@gloriajackson2021]

In your 40's you still have time to turn things around. In your 60's you're screwed.

[@Dogwalker447]

@@gloriajackson2021eh yea but it’s still possible to get out

[@Jakepattison42]

40's now, and everything is paid for. Fortunately, I had a college economics teacher who taught me a lesson when I was 18 years old. That lesson was: you can't buy something else for every purchase you make. Having multiple sources of income is prudent, as is living within your means. I have a 13-year-old vehicle because it is all I need, I like it, and I can do whatever I want with it. My net worth is $4 million, and I can pay my bills without stress, but I don't live like I have that. I have no complaints.

[@Derekhoffman312]

I fully agree; I'm 56 years old and recently retired with approximately 1.2 million in outside retirement funds, no debt, and very few dollars in retirement funds in comparison to my portfolio balance over the last three years. To be honest, the financial advisor's role can only be ignored, not dismissed. Therefore do your research to get a reputable one and that should be any individuals main route into the market.

[@Dantursi1]

Vey accurate from your POV, It really isn’t about how much you save, it’s about how you manage your money. Whether you work to earn income or invest, it still boils down to income vs expenses, so yeah you may look into investment advisors for a strategy that suits your goals

[@CindyValenti]

@@Derekhoffman312 wow ,that’s stirring! Do you mind connecting me to your advisor please. I desperately need one to diversified my portfolio.

[@Derekhoffman312]

Annette Christine Conte is the licensed advisor I use and i'm just putting this out here because you asked. You can Just search the name. You’d find necessary details to work with to set up an appointment.

[@CindyValenti]

I just googled her name and I'm really impressed with her credentials; I reached out to her since I need all the assistance I can get. I just scheduled a call.

[@Theninjas3]

Ugh the end of this call broke me . We been there and it sucks . I’m gonna pray for that family

[@deanb3800]

They need money, not prayers.

[@alluringbliss4165]

@@deanb3800thé spiritual world is very significant

[@Ryan_DeWitt]

@@deanb3800 Reminds me of I forgot the celebrity when there was a huge natural disaster "I feel kind of bad, I see everyone sending prayers and I just sent money."

[@DavidBergman1776]

@@deanb3800 God can do a lot. If you believe it. I myself have experienced it. It makes no sense where I am financially. No, it wasn't luck, it was divine intervention. Take it or leave it, it does exist.

[@Vencarter]

@@deanb3800 why do you go fcking send them some then?

[@Watusifarm]

I lost my 6 figure job once. So I drove a semi truck until I got back on top. My wife and kids didn’t understand how horrible I felt and how desperate I was but she supported me and loved me and we are back on top now. I’ll shovel crap or dig ditches but my family will eat and be warm.

[@ajoyforlife1]

❤

[@Diana_Rocha]

Same here

[@steinervision7643]

I give you a lot of credit! Driving a rig is one of the toughest Jobs around .

[@Monkofthecaribbean]

I got fired and then my ex gf left me 4 months ago 😂 But now I’m on track to making six figures this year and will replace her with a better girlfriend 🙌

[@danielgregg3990]

I drive a semi and make six figures, home daily, with weekends off. It's a good job if you take care of yourself.

[@amandap8214]

$25 in your checking account with a wife and kids is crazy...

[@cjhoward409]

I don’t let my checking drop below $100 but I also have a savings account to transfer money if need be

[@enod9746]

Been there before. Zero. We went nearly 2 days with no food. It sucks!

[@oldhag2881]

My XW is one of those people who, three days before a payday sees more than $50 in checking and feels like a failure.

[@channelpink4376]

@@oldhag2881that is a failure

[@Britt4880]

@@amandap8214 I’m single no kids and I don’t let mine drop under $1k. (Plus $20k in HYSA). Crazy.

[@meg2726]

Hearing her cry at the end made me so sad. Prayers for them ❤

[@Rustystrombolli]

@@pucie_boi😂

[@Minkehr]

the desparation was there beforehand - the crying was a bust pressure valve

[@DreamingonaDime]

My heart hurts for her. The pain is so loud

[@ZackHall-kt4ww]

Prayer does absolutely nothing. Get real.

[@rogers5622]

​@@ZackHall-kt4wwshe is already on the phone with a rich guy who can offer money

[@KarenLavia]

It's a bit annoying and unfortunate. When i was born, the national debt was $2,150 per person. Now it's over $100,000 per person. And I'm not even that old. It's truly alarming and best advice get out of debt, make regular investments and be debt free and financially stable.

[@ClarkeGriffiny7]

No doubt, having the right plan is invaluable, my portfolio is well-matched for every season of the market and recently hit 100% rise from early last year. I and my Financial advisor are working on a 7 figure ballpark goal, tho this could take till Q3 2024.

[@Hectorkante]

This is definitely considerable! think you could suggest any professional/advisors i can get on the phone with? I'm in dire need of proper portfolio allocation

[@ClarkeGriffiny7]

“ Melissa Terri Swayne is the coach that guides me, She has years of financial market experience, you can use something else but for me her strategy works hence my result. She provides entry and exit point for the securities I focus on.

[@ChristianKelv]

Looked up her name and her website popped up immediately, interesting stuff so far, about to schedule a session with her.

[@backwardsbikeguy7769]

@@JohnSmith060 what international stocks would you recommend? & how much of a portfolio (say 100k total) would you allocate in each asset class?

[@jasonk446]

I'm 46 years old and had been bad with money until just 2 years ago. I had so much debt and nothing in my checking or savings...literally nothing. In just 2 years I am now on baby step 6. It was very hard but worth it. There's always light at the end of the tunnel. Some tunnels are just longer. The sacrifices will be worth it!

[@Lexithechihuahua]

your comment makes no sense. no one goes from o - step 6 unless you either make tons of money at work or have some kind of amazing support system in place. ridiculous

[@carladossantos1142]

Good job Jason! I was in the same situation in 2020, then I found Dave here and ever since my financial situation has been gradually improving and I'm not broke anymore! I love Dave and this show, it has not only taught me about financial literacy but about jobs and relationships. I love America and how you have a hardworking and positive mindset, the hope that you can always turn your life around! ❤

[@kissengerc9468]

What's wrong with you people nowadays? I am not perfect or anything but you guys look for trouble like this. Please have some self-control.

[@sakitoby1581]

Do you have to buy the baby steps materials that teach you tho? Or free somewhere?

[@ragga7862]

Congratulations Jason, well done! This is my goal too, being debt free and financially independent. I work 50-60 hours a week for the last year and in january I get better pay. I will not slow down until I’m debt free.

[@KrisRogos]

4th kid on the way, $25 in the account and $90K in debt is about 3 kids and $85K late but I'm glad they are having this wake up call.

[@wonderboy2402]

And they “own their home” with still owing 175k…

[@marisolpooh1]

I know that’s so crazy 😮

[@mymotherwasright3079]

Let's call it what it is: STUPID!!!

[@rice_lord]

I feel bad for those kids having shitty lives. Don't have kids if you can't afford it. 1 condom saves you 18 years and a kid from a miserable life

[@maryfields1382]

They're young... A lot of people make dumb decisions when they're young. Her voice breaking at the end of the call is very telling as to how scared she is. It's a tough lesson, but I hope they'll work out of the mess they're in.

[@jamesladeroute6127]

This is one of the saddest calls I've heard. The end is heart wrenching...

[@stephenshelton4267]

How so? It sounds like they are actively making dumb decisions in their lives.

[@JoshuaaColin]

@@stephenshelton4267exactly. Stupid games, stupid prizes

[@Ryan_DeWitt]

Trying to figure out how he was working 40-60 hours a week, had jobs that he needed to finish still, and yet was making apparently no money. Probably a bit more to the story.

[@nailatiyllufm7325]

@@stephenshelton4267totally agree. I’d love to be my own boss but with three kids I feel it’s more important to have a steady income. They’re actively choosing this lifestyle and then crying about it. Maybe he is a good guy but it seems like he’s being selfish choosing to keep his family in poverty to pursue his dream.

[@Kroh13]

@@stephenshelton4267they aren’t that husband is

[@BabyT709]

"Sharon would'a left but she didn't have a car" 🤣🤣🤣 that made me lol, I'd love to see her face hearing that lol

[@klickingkayasmr7585]

😂😂 same

[@MagicalMandi]

She would probably be agreeing

[@mariarancho6171]

Loved that too 😂

[@blackdiamond4584]

After hearing his age i gave him 9:25 some grace. May god bless this family

[@hobomike6935]

You gave him some grace because of his age- not because he tried his hardest, failed, admitted defeat, and sent out distress signals to the point of his wife calling for aid too?

[@ZackHall-kt4ww]

why would your imaginary god bless this family but continue to let thousands of children starve across the globe? Your god is a true PoS just like anyone who worships him.

[@HabloDutch]

​@ZackHall-kt4ww i get your anger with God. People are real PoS too; you have a free "will" and it has been placed in you. Sometimes life just sucks and is unfair in everyway possible, because real wolves are out there. I encourage you to look at the world and really reflect carefully. Either your angry with the people who claim to profess God and have done an epic shit piece in reflecting His love to you, or you just have a problem with God himself. Either way, you'll have to look inside yourself and see IF you can do better? Be better ...can you be better than Jesus. If you can, I'm 100% behind you. If you can't, you might want to give Him a try for your own life.

[@ZackHall-kt4ww]

@HabloDutch dude stfu. How can I be angry with a fictional being?

[@7thcrossdown]

@@ZackHall-kt4ww blame yourself

[@joshuasoule4886]

Great advice, Dave. Good job encouraging them as a couple and reminding her that her husband is a good hard working guy and not a failure just because his business failed. You’ve got a good heart and you really care about your listeners.

[@crazymommadramalife3498]

That really warmed my heart. Most people would say "leave him," but Dave had it right.. You married him for him and he married you for you.. Sticking together isn't easy sometimes, but so worth it when you have the right partner. Growing together is a bond like no other.

[@acceleration1146]

I am so glad that Dave reassuring her about her marriage he is 100% right. Sit tight and support him he will go through this one and all of you will be rewarded trust me. Been there myself❤️

[@kevinhamer2230]

There's a local food service truck driving job in Eugene Oregon with a $10,000 sign on bonus and a $100,000/yr income. It's hard work but it makes a lot of money without needing a college degree.

[@BrianMeegan-k3e]

Any details available, such as number of days and hours ?

[@kevinhamer2230]

@@BrianMeegan-k3e google: coremark food service truck driving job Eugene Oregon.

[@kevinhamer2230]

@@BrianMeegan-k3e search coremark food service truck driving job in Eugene. It's probably a day cab semi with a 40 ft reefer trailer that likely delivers food to local restaurants. There's a fair amount of manual labor in this type of trucking but it's not back breaking.

[@JourneyOfCin]

@@kevinhamer2230most food delivery wants 6 months-1 year of experience first.

[@JourneyOfCin]

@@BrianMeegan-k3eno more than 70 hours a week cause that's the legal limit with CDL license holders.

[@sarahosinovsky4025]

I’m at the gym listening to this. Almost in tears. ugh. Been there with my first. Things fell through. Instead of paycheck to paycheck. It is paycheck to five days before next paycheck.

[@johnsmom3532]

I did start tearing up at the end!! Papa Dave!!

[@juniyananajukyu]

Same here, her voice quivering made me feel her pain and worries. I hope things work out for that family.

[@Collusion10]

Been there

[@carladossantos1142]

The way Papa Dave handles these types of situations brings tears to my eyes every single time, he knows exactly how to acknowledge, validate and speak the right words, mostly because he's walked that path and then because he has such a good heart and sees through the situation. So much love from Portugal ❤

[@i_kira_b]

Good for Dave for having compassion and speaking encouragement to this woman in this situation. She really needed to hear that

[@sams9466]

I dated a guy who’s family was originally from Oregon but moved because of how expensive it is. His dad called it “poverty with a view.”

[@alinatamashevich3354]

@@tonytoni1150 No wonder Ray Combs off-ed himself

[@weswest8666]

Oregon is very pretty tho

[@thebuzz7600]

@@weswest8666hence, “with a view.”

[@breannegeorge9924]

@@weswest8666 There are other areas just as beautiful for less money

[@emc84]

Plenty of good paying jobs here

[@Trudloops]

Praying for their financial recovery. I’d love to see her story in 1 years time.

[@mybdayis420]

@@Trudloops she’ll be pregnant again

[@mattcrad8605]

​@@mybdayis420You can bank on it

[@jaysleeper264]

​@@mybdayis420Came to same 5 will be on the way

[@BREEZYM6015]

​@@mybdayis420I'll put up a wager on that one.

[@The-Oneness11]

​@@mybdayis420Not if he starts working three jobs. Lol

[@isaacgomez-everythingrevie6955]

Man my heart breaks for her. May her and her husband find a way out of this mess. God bless.

[@andrewm.9066]

don’t bite off more than you can chew

[@gooserich3970]

Why you feel bad for her? She laid down there and got all those kids

[@5ped0fs0und5]

It's easier to feel worse for a struggling mother than a random jerkoff on the internet

[@tracyburton3458]

Such compassion. That poor young woman came to you terrifed and you have stepped in to help her. I'm in awe of you Dave.

[@Irod567]

You would have no sympathy for a black family.

[@gmanblue2026]

Lots of guys with businesses can't let go of "being their own boss" to do the right thing. Too much pride and not enough realism.

[@Gmenpg]

Yep. Last year I had a friend (who's an artist) come to me about how broke he is and wanting to get his family out of the projects. I gave him the tough love talk and said GET A JOB! You can do your art on the side. Flash forward a year, he got a job in construction, worked his way up to drive the truck. and now just moved into their dream home. Which, is just a normal home... but to them, its everything. He still randomly thanks me. He said he thinks he just needed someone to tell him it's ok to give up on his dream because it made him feel like a failure.

[@Scottsmusiccave]

This is a good reminder to not give contractors deposits before work is done. Half of them are living on debt and one wrong move away form ditching their business.

[@shanep2760]

Yup had this issue a few years ago with a contractor. He was using the deposit from the next job to finish the previous job. 🤦

[@Tam712]

Do it yourself, then. This kind of comment reveals individuals who expect work to be done and then refuse to pay for it when it's finished.

[@mackhughson3722]

Have to give them something, otherwise guys like you will go no contact when job is done

[@wesleywright7796]

Yes!! That is true but then you need to buy the materials and get them to the job site.

[@gregspecker5327]

I don't do the job for anyone that won't pay a part up front. End of story. Roots out the folks who are either cheats, or are too poor to pay. If they don't trust me, then we weren't' gonna have a good business deal to begin with.

[@vhol93]

Dave was on point in his advice on this one... Critical moment in their lives. Great call!

[@soundjudgement3586]

You're absolutely correct. This was a good one indeed

[@DesignedByTaz]

I love papa Dave setting these couples straight

[@rsafree1139]

If he set them straight, he would have told her to stop having babies

[@PeaceToAll-sl1db]

get your vote for Trump in early mate :)

[@isay207]

Exactly if you cant feed em don't breed em

[@kbanghart]

​@@PeaceToAll-sl1dbI'm glad that Harris won California

[@kbanghart]

​@@PeaceToAll-sl1dbget ready for tariffs

[@tessaelto1472]

24, 4 kids and $90,000 in debt?? Omg I am so thankful for my stress free life

[@breannakay9829]

Im 24, one kid, done paid off 38,000 for a trailer, only 2k in debt and im still stressed🤣

[@jessicamaclean5767]

Dude same! No debt and no kids and a lot of cash but we still can’t buy a house in Vancouver 😂

[@nikeajah318]

4 kids @ 24 with $25 in the account! 😢😢

[@btcpac-pr7bu]

i just dont know how tf theyre making it !

[@joemoore8054]

Take that $25 and buy condoms.

[@nikeajah318]

@@joemoore8054 she's pregnant with the 4th . Definitely birth control after she has the baby .

[@Soyodiggity]

I would be terrified 😢

[@nikeajah318]

@ definitely

[@kathrynp7595]

A job she could do from home is babysitting another child in her home. That’s what I did with 3 children of my own and it paid for the groceries.

[@JerseyDevilJerseyGirl]

Yes but that makes sense Kathy lol. This lady has none

[@kimberlymartin459]

​@@JerseyDevilJerseyGirl What?

[@laurol4342]

Because taking care of 3 kids while pregnant isn't draining enough.

[@Bringon-dw8dx]

@@laurol4342I’m sure her husband working 80 hour weeks is drained too. But she lost the right to say ‘I’m drained’ when she had 3 kids without any way to feed them

[@EC-rd9ys]

That's a great idea. I'm doing this right now. It's only one day a week, but it pays for my husband's contact lenses. It's the job you're doing already anyway, right? Too bad he didn't say that, but I guess that's the kind of idea that's not gonna come from an old man lol.

[@stevenmitchell9182]

Another uncommon theme of the show that’s not talked about is how often small business owners fail. We live in a society where ppl glamorize owning a business, even if it’s tanking. Some of us are not going to own a business. Chasing that dream is destroying a lot of ppl.

[@Britt4880]

@@stevenmitchell9182 thank you 👏🏽👏🏽 on every gd video or post about how people are struggling, there’s 10 people going “that’s why I work for myself 💰”. Eff that!!! Even if I was super into the idea (I’m definitely not) it is SUCH a risk. It just sounds utterly exhausting. Hard hell no for me.

[@kitcatkit6240]

I’ve noticed this seems to be a big difference between the south and New England. Up here we most likely take high paying jobs with companies. Down south there’s a hustle work work work culture so anyone with a lawn mower is going to start a landscaping company. But owning a company is so hard and takes forever to make a profit.

[@metorphoric]

@@kitcatkit6240 This is so true. Living in WI and now TX, the south is extremely fast paced. My parents moved her 3 years ago and they've struggled to keep up. It is very easy to get lost and burned out quickly down here.

[@lindalund9621]

Many start too hard. They borrow top much. The ones thay manages take babysteps forward.

[@peanutnjessy7864]

If you can't afford to fail which I think is most people you should be very hesitant to start a business.

[@beckytourian]

This brought tears to my eyes. Thank you for being so kind to her.

[@Desertbiker617]

As an RN, my record for hours worked in 2 weeks was 168 hours. When my wife almost died of Crohn's disease, who weighed 78Lbs with our only child, you gotta step it up for the family.

[@YouAREyoubeYou]

She needs to start working too-period

[@Desertbiker617]

@YouAREyoubeYou She almost died, and you think she needs to work? What's wrong with you? Your immoral criticism is shameful.

[@candy2325]

@@YouAREyoubeYouhe said his wife almost died of a disease and your talking about her working? Are you stupid?

[@ashton8878]

Maybe she was talking about the lady who called?….She needs to work too, not just SAHM.

[@Desertbiker617]

@@ashton8878 Thanks. You may be right. I thought she was talking about my wife.

[@stewbugz5213]

Excellent advice Dave!!! My brother got laid off and found work at cabelas warehouse. He was hired the next day after the layoffs. It was full time with benefits on the first day. You got this kiddos! Hard to hear when Young kids learning all about life. Im sorry they are going through this. Don’t give up your business, just do it on the side! Praying for this sweet family. 🙏🙏🙏

[@garronl.7989]

3 kids and a 4th on the way without having a stable income the entire time? 😐

[@tonytoni1150]

Whole lot of food stamps.

[@kay22100]

@@tonytoni1150 You don’t know that. She said she goes to food pantries .

[@Sizukun1]

Why bother planning for the futures of yourself and your children when you can rely on others your entire life?

[@ralph3384]

Whole lot of tax payer money

[@whothou]

"honey you stay home and just keep pushing out babies while I go out like a big boy and work hard but be incredbily dumb with my money"

[@kendrapratt2098]

An electrician without electricity would be…ironic

[@magicjohnsonsmagicjohnson]

It’d be quite… shocking

[@bondobilly9369]

Lol. Have a industrial electrician wire s house, half thr outlets work. True story

[@AlexHernandez-m1t]

@@magicjohnsonsmagicjohnsony’all play too much 😂😂

[@RobertDeffley-l4r]

@@magicjohnsonsmagicjohnsonwon’t be shocking… power would be off.

[@drtij_dzienz]

The cobbler’s kids have no shoes

[@tennysoneffie6943]

I’m upset listening to this call….I was there 44 years ago. My prayers are with this little family. Remember the sun is always behind the clouds and this too will pass.

[@angelasepi657]

It's a LARGE family.

[@Srarlight1212]

Thank you Dave for being tue father figure she needed to hear. Sometimes we just dont know which direction to turn when it comes to jobs or lack of money. It was tearing the girl apart. Now she can relay to her husband and they have clear goals and a directuon to go. She needed you and I am sure she wiok be fine.

[@bigcahuna42366]

Her husband should have been the one calling the show so Dave and John can give him direct guidance. He's supposed to be the leader of his family.

[@EC-rd9ys]

I think she said he's been working 60-80 hours a week. He's probably out working.

[@pdxmusl1510]

And he might be too embarrassed right now to face it. Not disagreeing.

[@jaybrown7811]

This country is a mess

[@missandry2669]

Exactly why is HE not calling in this is HIS mess!!!

[@missandry2669]

He might be cheating!!!!

[@lesmyrigoo]

I’m 22 and just hearing this story just scares me 😅

[@EdBball99]

If you haven’t experienced it yet: being broke with a bunch of bills due and debt collectors calling you, etc is terrifying on a Primal level. Dave tries to articulate it in this video but it’s impossible to fully understand that awful feeling and how you look back and question so many decisions you made leading up to that point unless you’ve been there. I wouldn’t wish it upon anybody which is why making sacrifices, thinking long term and generally practicing the stuff the Ramsey program teaches is so vital in order to have the savings and game plan to hopefully never arrive in that situation ❤

[@jonhansson5199]

Don't get 4 kids by 24...

[@isabella6075]

This is scary !!!

[@Bur6212]

One word for you.. condoms

[@pHixiq]

@@EdBball99man I’m going through just that now cuz I lost my job. Minus the kids

[@BKiswatching]

You’ll be ok sweetheart, when we were that age we weren’t even living paycheque to paycheque! We were in overdraft on our checking account by $2,500 so we had less than you! Your husband is a hard worker, he will turn his income around and you will be fine ❤

[@greentellectual1721]

Dave reminds me of my 1st Sgt, no bs, direct, but wants you to be in the best situation you can be in.

[@TVHouseHistorian]

Lane Transit District is Eugene’s local transit authority. He can apply with them and start out at nearly $30 an hour. The hours will suck, but he’ll have money and good benefits right out of the gate.

[@alexlarsen372]

Thank god Dave took this call and not the others. The others are so quick to answer the home selling question without asking more questions

[@sherriianiro747]

I felt the same way! It would not change anything in the long run.

[@deirdrekiely6187]

Right - that's one thing I don't like about the other hosts.

[@mashplans]

Wow that made me tear up... I can't imagine. I'm so happy Dave's team can be there to help them. Rooting for you guys!

[@Shawnnicolebeauty]

Aww this broke my heart to hear. God bless her for having the courage to call in for help. God bless the Ramsey team for helping folks get out of their financial ruts. I’m praying for that family, they’re gonna make it. ♥️🙏🏾

[@hotigrl]

True. We have to give her credit for asking for help.

[@OhEmVee808]

Even I started crying at 7:27 Thank you for showing some grace to this young family, Uncle Dave!! Your words are very encouraging!! ❤

[@mihstieghboggs7821]

Thanks!

[@lloydlagera6621]

God bless you Mr Ramsey. We've been through this. It take a lot of your life to deal with it all. Family is first.

[@ClayneBanks]

4 kids at 24 is crazy !!

[@BendyChoy]

They really need to have financial education.

[@kekejefferson9219]

Whew, baby!

[@cherylhills3227]

You ain't wrong. That's why I finally took the plunge and found a financial advisor. Best Decision Ever.

[@BendyChoy]

How did you find a good finance advisor? How do you know if they are trustworthy and competent.

[@cherylhills3227]

I started out with Nora Jean Erickson,great advisor. I got very lucky to have found her especially after my marriage crisis & consider her a good friend now.

[@karenhardie1132]

Why not work a little from home. Insurance billing for a business. Work opposite shifts, weekends. Its only 5 years until they are in school, and it gets better.

[@Kelle-Michelle]

Yes...she needs to start doing something on the side. Build some skills and opportunities for future income

[@Camry586]

I thought so too but 4 kids and a job is A Lot! I should feel bad but what’s wrong with people?

[@Dontrolling]

Pretty sure there are customer service, survey jobs, and sales that can be done from home. My boyfriend’s mom last job was to call people and ask them if they’ve ever had Covid and what symptoms had they experienced and what not. That was it. But could be hard with newborns. Babysitting or doing after school care for other parents could help too.

[@MonicaWallace-ht2vy]

I agree she needs to find a source of income until they can get back on their feet

[@mercyk2672]

I'm a single mom and have lived below my means for several years now. I have over 50K in my checking account and a retirement account thats funded. I listened to Dave Ramsey when I got my first professional job out of college, I read his books and it's the reason why I'm where I am today. Live like no one else and later you'll live like no one else.

[@janetr5929]

Why do people who have no money keep having kids?

[@MonicaWallace-ht2vy]

Because they think that's the American dream and honestly it's not but having kids get them benefits most see $ signs when having kids sad but reality not all ppl but some

[@citizenanonimo447]

Humans have been doing that for millennia

[@chek6303]

CAREFUL WHO YOU BREED WITH

[@larrysmith2655]

It’s a reoccurring theme throughout human history

[@copysamurai]

Man, listening to calls like this is intense. I pray for that family and for that guy to find consistent work that pays well and I hope they are able to follow through and climb out of that mess. Good luck to you guys

[@galaxygolden]

Stay at home moms is a hard job..but still need side hustles and have a money making mentality for you and your kids. Maybe if your kiddos are out at school, and other moms need their babies taken care of. Help other moms and start a daycare business! Keep it to babies and kids under 2 or something. It's difficult but not impossible for one man to go through this financial journey alone. I do agree with more jobs and/or start firesaling all your liabilities and keep minimal. You guys got this!

[@janise01]

A stay at home parent is labor not a job. Jobs pay money. Also a parent who makes money isn't a stay at home parent. You're right she needs to get a job though.

[@stephenshelton4267]

Roofing in Florida in the heat of August is a hard job.

[@xysarenottheprize]

I have a better idea: Husband gets a second job.

[@cynthiawaldorf9353]

​@@xysarenottheprize😅that's a plan. Your right. He works lots of hours but needs jobs that pay better. She is about to have a newborn with 3 other kids so she can help once they have enough to pay their living expenses by managing household expenses well . 😊

[@whosaidthat9265]

@@xysarenottheprizeeven better idea: place a pause on making more babies until you have sustainable income

[@carrieberrykix]

This show is really going to lose something when Dave isn't taking calls anymore. He knew exactly what she needed to hear and he said it with compassion and wisdom. He's been there.

[@ky6vo]

I love the compassion that DAVE has for people. ❤

[@deniseryan4146]

Oh my.....mortgage has always been #1 in my life. Roof over our head, utilities, then food. Food can always be adjusted....beans n rice....add meat if it gets better.....food pantries can help. Best of luck young family!

[@Michael_SLS]

Man life can be rough but that man is a savage. Keep at it man you’ll turn your life around this is only a season.

[@GinaCriv]

How is he a savage..he's 24, wife, 4 kids, $25 in the bank, and owes $90K. I wouldn't demean him, but sounds like poorly educated and poor life decisions, on the both of them.

[@shellbell2272]

Praying for this family. 😢❤

[@sabrina27596]

Why are people having multiple kids with nooooooo money?

[@MrNiceGuy500]

Because America has too many handouts. Stop the handouts

[@siva47931]

This is why we need to legalize abortion! Vote Harris!

[@turkpowered9978]

@@siva47931 Or be careful so you dont have to kill your own babies for your own convinience.

[@_Island_Boy]

They made it cool over TikTok and Instagram. Those new born baby memes make these couples go into heat.

[@SubToRandomVideos101]

Dumb people

[@olliessurfgear]

My Wife & I have been in this situation & we have always done our best work when we hit rock bottom. Hard work & depending on each other got us through. God bless this family. You can do it!

[@natzzzzz841]

Being in such dire financial straits and not practicing family planning is beyond me…just bringing kids into the chaos

[@brucefredrickson9677]

I feel bad for their kids...but they keep cranking them out.

[@karissakline6765]

It’s no doubt because they think Trump and his ilk will save them…they are in for a ROUGH road.

[@eflvin]

There are a lot of people who do this but they just go on welfare and don't take responsibility

[@ralph3384]

I’m 40 and wanted kids earlier but waited until I was financially secure to have them. Now my child will get the best life possible.

[@divemanred]

Do you have the kids?

[@lauvasquez7198]

One kid?

[@JerseyDevilJerseyGirl]

Same

[@katie8325]

Good for you. How does it feel on that high horse? Do you have a nosebleed?

[@_TwoDot]

@@JerseyDevilJerseyGirldon’t wait that long

[@supersnake151]

I agree with Ramsey and team, but it can't be expected that people can take on more and more work. As time continues and if things don't change, most people will not be able to work enough hours in the day to keep up with the cost of living.

[@deirdrekiely6187]

True ....but this guy was in denial about his business failing. And now they're financially screwed. So yeah, he needs to work extra hard to catch up.

[@elizmon8526]

It's so heartbreaking to hear from of these situations.....wanting to work is not enough, being able to get that opportunity is what is needed.

[@maxdanielstrauss7735]

I listen to these to feel better about myself

[@heidilefevre2680]

Well you shouldn't necessarily feel better about yourself, but maybe you meant you feel better that you're not in as bad of shape as others. I think that's what you meant. It's like weight loss. I am really overweight and I've been at different weights all my life different times when I've worked to try to get it off. My body just doesn't do well if I eat out of line. Grew up in a rough home and kind of leaned toward food to comfort my emotion that's when the abuse would be so bad. Anyway I'm alive to tell about it and now is an adult I have on a massive weight problem. I had it almost beat one time, but anyway it's like weight loss. I would think that my problem is so overwhelming and I don't know how I can do it but then I go and watch 600 lb life and I see these people that can't get out of bed for months or years and everybody does everything for them and they're massively overweight and they're in a hopeless state of mind and it seems completely hopeless but there's a few that when help is given and offered they take it and run with it so to speak and they're able to climb out of it and be a normal person one day. When I watch those ones where they show how horrible their life is then I soon realize mine is not even close to being that bad and then I think maybe I can actually do this. Anyway you probably think I'm a whack job for sharing that oh no but anyway it just made me think of that

[@snowrider9018]

I've only watched Dave's videos for a couple days, and the best word I'd describe him from the get-go is the word "REAL." He is that father that every son and daughter need. I'm inspired to be as strict and loving of a father like Dave when I eventually have kids, but I'd like to have that relationship with my kids of being honest and real with them in this brutal world. Good stuff!

[@jeehill9592]

I cant imagine fully relying on some one else to keep me from starving to death.

[@Xeyne098]

This🤌....she is lazy AF.

[@thebuzz7600]

If you pick right, it shouldn’t happen. Sadly, it seems the quality on both sides has diminished.

[@jeehill9592]

@@thebuzz7600 i could never have that. I need some one independent and i need to be independent also

[@missandry2669]

Exactly women WAKE UP!!!

[@missandry2669]

This is why women should NEVER depend on men financially!!

[@sirheisenberg4459]

Crash! Crash! Recession! Inflation! It’s getting depressing. I have about $100k in emergency fund and I have been seeing good news about the stock market and would like to gain from that since I can’t let my savings be corroded by inflation. What stocks should I into as a newbie to safely grow my money.

[@MarcyLoccy]

I suggest you offset your real estate and get into stocks, A recession as bad it can be, provides good buying opportunities in the markets if you’re careful and it can also create volatility giving great short time buy and sell opportunities too

[@jorgeHudson-h4h]

Talking about advisors, do u consider anyone worthy of recommendations? I have about 100k to taste the water now that large cap stocks are at a discount... Thanks.

[@brantheeskimo]

I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an email shortly.

[@drphilsbarber4513]

Invest in Netflix

[@TeddyJamesThe1]

Amazon, Tesla, Google, Meta, Caci and Coca-Cola are pretty good. However, the market has been bearish for the past week. I'd wait for the downtrend to die out.

[@CookingLessonsforDad]

That story made me cry. I expect they will recover.

[@soaringcam8662]

Is great to see Grandpa Dave giving exactly what this woman needs. That’s a good guy right there.

[@FK.russia]

This is RAMSEY, what a man!

[@EC-rd9ys]

This had me almost crying. They're gonna make it. Itll be hard but in ten years theyll look back and be so happy about what theyve accomplished. I saw it with my parents. They were never in that level of financial difficulty but they had 8 kids before 30 years old, one income, owned a tiny house. There was stress, for sure. They don't regret a thing now. The people here trying to shame them for putting family over money should be ashamed themselves. Money is temporary. A child is a gift forever.

[@Run4Ever77]

Amen!

[@tracyaf6084]

It’s also a gift to have them when you don’t have to stress about how to feed them. I don’t think there is anyone who would shame them for wanting children, but if they could get their finances together first, they’d be helping their children so much. They’re very young and have plenty of time to have more kids if they want.

[@jirade1]

Exactly! 🙏🏽 Amen

[@Yoyomanmanholla]

A child is a decision. It’s not a requirement. Bringing a child into poor conditions is irresponsible and selfish

[@olasek7972]

@@Yoyomanmanhollait can be irresponsible but it is exact opposite to selfish, selfish people would rather have no kids

[@xlerb2286]

It's hard when a business that you've put sweat and tears into fails. I was about that age too when it was clear a business I'd hoped to make my life just wasn't working and wasn't going to work. It was a rough time but with some hard work I got back on my feet. I was single at the time so it was easier for me. My best wishes for them.

[@therusticpassport]

She needs to do something online and contribute. It’s a good idea for her to have something set up for herself. My best friend’s husband left her high and dry with three kids.. it’s good for a woman to have her own, especially when kids are involved

[@richardramfire3971]

Dave is a great man. He’s also saving lives and marriages.

[@buhaysabahay]

I cried hearing this call! So sad..😢😢 i prayed that God will guide their ways to get out of that situation! God Bless "The Ramsey Show"!

[@mrsh2167]

how do ppl let it get this bad and keep living like nothing is wrong?

[@BrianMeegan-k3e]

Believe that God will make everything work out ?

[@giftedchild9490]

You really think it's on purpose? I have a home but I'm in a position where I never thought or dreamt I would be today. Health issues are a deal breaker

[@btcpac-pr7bu]

sunken cost fallacy 100% of the time

[@lindalund9621]

@@giftedchild9490well 4. child must have been made when business was failing

[@AnnaOllsson]

I recently invested in recommended stocks, but their value has significantly declined. The market's volatility, high inflation, and banking crises have led to many negative portfolios. I'm concerned about the impact of rapid interest rate hikes on value investing. Should I consider a temporary pause from stock investments?

[@bartlyAD]

Just ''buy the dip'' man. In the long term it will payoff. High interest rates usually mean lower stock prices, however investors should be cautious of the bull run, its best you connect with a well-qualified adviser to meet your growth goals and avoid blunder

[@PennyBergeron-os4ch]

The truth is that this is really not as difficult as many people presume it to be. It requires a certain level of diligence, no doubt, which is something ordinary investors lack, and so a financial advisor often comes in very handy. My friend just pulled in more than $84k last month alone from his investment with his advisor. That is how people are able to make such huge profits in the market

[@DaliaCohen2230]

nice! once you hit a big milestone, the next comes easier.. who is your advisor please, if you don't mind me asking?

[@DaliaCohen2230]

She appears to be well-educated and well-read. I ran an online search on her name and came across her website; thank you for sharing.

[@hannahmarie8172]

@@PennyBergeron-os4ch❓how, many people have no CLUE on how to invest

[@adoptdontshop3916]

Finical stability should be a priority before anyone ties the knot.

[@KnowledgeIsComfort]

And definitely before bringing children into the situation

[@KittyCuties33]

Honestly speaking, you are never financially prepared enough for marriage or kids. There's always needs or emergencies that require more money. We're never ready in general because life is hard and uncertain much of the time and we aren't perfect human beings. But if we just spend our lives chasing money and stuff and stability for the moment (which can change at any time from multiple factors), we miss out on the more important things in life and finding a greater purpose and potential and growth and developing meaningful and deep relationships that fill our souls. Marriage and having kids is very often a faith based decision, trusting God and each other to work together and support each other along the way with what are the right decisions for your own family. We didn't have much money when we started out together, and my husband was in college still when we started having kids. But we both worked hard, grew and matured individually and as a couple, asked for help when needed and are now paying it forward (we are not meant to do it all alone), sacrificed many wants and conveniences, learned new skills and saved and prioritized better based on our values, and trusted God that He would help provide the resources in many aspects that we needed to succeed while giving life and striving for a healthier and loving environment to how many kids God has asked us to have and care for at the right times. I believe God knows us perfectly, sees beyond what we can as humans, and will help us through it. We each get to make decisions about the risks and benefits and possible good or bad consequences that come with it and decide what best aligns with our goals and values. Life comes with those risks for everything, but we shouldn't allow our fears to stifle our potential for growth. It's okay to face the unknown with courage, faith, and hard work. There's still ups and downs, but I wouldn't want it any other way. I've been blessed to walk with my husband and friend, side by side, as we figure out life together, and our many kids add joy to our lives even though parenting is hard work and often exhausting. But I don't have to do life alone; my best friend and I get to do it together. The many required sacrifices are worth making and have helped me mature and see and serve outside of my own self interests or goals, and the results have been well worth the effort and struggles. It's so beautiful!

[@MariaGuild-c1l]

Aww..you can tell Dave is really concerned about her! so sweet! i have lived this as well

[@KimberlyManuel-ee3ov]

This call brought tears to my eyes. I hope it works out for them. So glad she called and Dave is going to help them.

[@Hannahbenowitz]

A weak dollar can indicate an economic downturn, prompting me to consider the best ways to hedge against inflation. I've heard people say that inflation erodes the value of money, which makes me concerned about my savings of around $200K

[@bartlyAD]

Indeed, you are correct! Economic downturns offer numerous prospects for ordinary individuals to create wealth from the ground up. Nevertheless, seeking guidance from an investment planner might be necessary if you desire a more assertive return.

[@FinnBraylon]

The uncertainties accompanying this present market is more reasons I have my daily investment decisions guided by a portfolio-coach seeing that their entire skillset is built around going long and short at the same time, both employing profit-oriented strategy and laying off risk as a hedge against the inevitable downtrends, coupled with the exclusive information/analysis, it's quite impossible not to outperform. Netted over $800k in return on investment, since using a coach for about a year.

[@HildaBennet]

Mind if I ask you recommend this particular professional you use their service? i have quite a lot of marketing problems

[@FinnBraylon]

My fiduciary is Sonya Lee Mitchell, a renowned figure in her line of work. I recommend researching her credentials further.

[@HildaBennet]

thank you for saving me backward and forward hours of researching the markets, I just copied and Margaret Johnson Arndt pasted on my browser, and her site appeared top search, no nonsense at all. She looks impeccable..

[@louhmx1136]

Don't have kids you can't afford. Both husband and wife must work.

[@silviaquesada2499]

You are not a mother, are you? When the children are small daycare is definitely not affordable unless you make $40+ an hour. If two of your children need daycare you need to make twice as much! His business failed. That's the reason they are struggling.

[@alicelaybourne1620]

@@silviaquesada2499 I am and my mother was. They had three kids close together. They worked opposite shifts until we went to school, and actually got to see each other when my dad was making enough money that he didn't have to work the weekends too. I am a single mother who cleaned offices on the weekend, carrying my child in a Mobi sling, then backpack, until he went to school and I became a teacher taking evening classes. Now we have the same schedule and we have all the same days off. If you have children, no excuses, do what you need to do, or don't have kids you can't afford. One or the other. Edit to add, because of the judgemental folks, I am not a single mother by choice, so don't come at me. I am holding my house together, that's what matters.

[@silviaquesada2499]

@ still. have you noticed that his business failed? He is asking for help! As a single mother you might be a little more sympathetic.

[@Aznmf]

Im single, 35 and childess. Thank you single moms for dodging me earlier in life. No debt, cash in the bank and no baby mama drama.

[@karlmanning2603]

I’m in the same boat, bro….. some aspects of life are a lot less stressful! 😅

[@DiscoFang]

Then the next thing you know you're 50 years old, childless and wondering how you missed a huge aspect to living a full life. But hey, that's an epitaph - He was debt free with cash in the bank. So are people with kids. Debt isn't a necessity of family life,

[@pingupenguin2474]

I didn't meet hubby till it was too late for kids. We felt the lack, not everyone does. We ended up adopting 2 boys ( one at a time) Never had much money and it was tough managing behaviour at times, but definately worth it for us.

[@pamsmith1665]

And nobody to share your success..pretty sad

[@DiscoFang]

@@pingupenguin2474That’s awesome. Sounds like you saved 4 lives there.

[@forevernoloveent2626]

This broke my heart, may God Bless this young family 🙏🏾

[@InsuranceSpecialist]

Wow 😢 This touched my heart. We've all been I'm tough situations and that woman deserves the world being tough enough to reach out and be honest for the sake of their family. ❤❤❤🎉

[@daliam3688]

Good advice Dave!!! Down to earth and compassionate at the same time❤

[@Mags2790]

Dave Ramsey has actually been there. The other guy hasn’t . Grateful Dave took the call

[@sasadvanajscak]

Listening to this to feel better

[@sluggingbread]

God this woman tearing up hurt me. Sending well wishes to her and the fam. You will get through it.

[@franzkafka677]

why do people say they "own a home" when they are still making payments to the bank?

[@TheEGA4421]

I think many people want to start their own business but do not fully research and/or talk to those in the field what is involved. There is so much to owning a business. Most small business owners who make a lot of money will tell you that it took them a few years to get to that stage and they did not buy a lot of equipment at the beginning.

[@lindalund9621]

Here in scandinavia We say At least 3 years before you can get a decent salary. And a lot of hard work. I have managed to get a ok salary with my home bakery. But it took 10 years. 7 of them part time cleaning offices. NO debt. I invested when I had extra money. I will never be rich but We have an ok life and I can plan my day as I want

[@liffy8333]

I'm an electrician in that area. journeyman wages are 60.59 with a fringe package of 29.59 for a total package of about 90USD an hour. You may think that's not worthy of some sacrifice during apprenticeship but it worked for me. I am now retired and I live off a fixed income but it's fixed pretty damn good with my 4 retirement pensions as well.

[@kevins5268]

He saying he cant do that until they get more money get their head out of water. I'm sure Dave knows it's a good career he just needs money now and later he could look into that

[@OUTDOORS55]

They need money now, not later

[@soaringcam8662]

Dude how on earth did you get 4 pensions? I’m a young electrical apprentice.

[@liffy8333]

@@soaringcam8662 Where are you, are you a union apprentice? I retired in 07 from IBEW Local 48 Portland OR. We have defined benefit plans: IBEW pension, NEBF pension, Edison Pension and a defined contribution plan called District 9. another defined contribution plan was enacted after my retirement that I'm not a part of. Defined benefit plans are becoming more rare. It's where you give them x dollars a month and they are obligated to pay you x dollars at retirement. Defined contribution plans say give us x dollars a month and there is no promise there will be a payout at retirement but they will manage your money. I'm 72 and have had everything paid off for a long time. Even was able (due to my union benefits and employment) to send our 2 children to college. One is a doctor, the other an engineer with no student debt. It wasn't easy, my bride and I saved religiously while our kids were young. I even taught apprenticeship classes at night to realize my dreams. Just exactly are your dreams my friend. Join the IBEW if your not already and work your a55 off. Like I always told my kids... THERE IS ALWAYS ROOM AT THE TOP!!!

[@rafaelcardenas515]

I love the John’s question because he highlighted the fundamental problem here: as a entrepreneur YOU HAVE to learn when to call it off when is not working. Whether is recession, bad decisions, lawsuits, or whatever other reason putting the business down it has to be properly assessed and the decision timely made!

[@jorgecastillo2391]

I love how even though the wife is terrified out of her mind (and rightfully so) she still loves and respects her husband by staying with him and talking positively about him. You can also tell she trusts him despite his business going under. That’s true love and i really hope they worked it out

[@chek6303]

LOL There's a point where you have to bail, believe me. I did it and have done waaaaay better since I don't have to babysit a guy anymore. Girls, in these suituations you're most likely better off by yourselves. And if you haven't had any kids yet CAREFUL WHO YOU BREED WITH

[@sirisaacmormont5445]

Stay at home mom is a privilege of the upper classes. Who the hell gets to be a stay at home mom and have 4 kids and not be in the upper class? Get to work lady. This shouldn’t all fall on him.

[@sarazink2237]

👏🏻👏🏻👏🏻 what happened to good ol’ family planning.? I bet the kids are just as stressed as she is.

[@screwdriver_bandit]

Do you have any idea how much 3 kids in daycare would be? Clearly you don’t. I have a kid in daycare and let me tell ya- we wouldn’t be able to afford 2 let alone 3 KIDS in daycare. It’s cheaper for her to stay home. Or maybe a night time gig or weekends WFH

[@KS-cl8br]

she is working... taking care of three kids is a lot ... he could have gotten a vasectomy

[@pienkunicorn]

So you want a lady with no college and no momey to put three kids in daycare? Have you looked at the cost of daycare? Not to mention she's out in the middle of nowhere. Daycares have a 9 month waiting list atm if you can find an opening at all

[@DiscoFang]

@@KS-cl8br Haha a 24yo getting a vasectomy? What planet are you on?

[@Psalm2710_]

This too shall pass, sometmes we get into a mess, but today is not forever. I've been there when I was y'all's age, it was scary, but we pulled out with God's help and learned a lot! Ignore the vile comments from vile people! God bless you two and those sweet babies! ❤