I'm $145,000 in Debt and Only Make $28,000

[@VegasAceVII]

Anxiety is real. Laziness is real as well. They can both co-exist at once too.

[@joimumu]

Agree I bet if she gets back to the workplace her anxiety will go away as soon as they start paying off their debt, like as soon as they pay 2.000 of every year it will feel better

[@tgaynorugoods]

Agreed 💯, there are online jobs that does not require ongoing contact. I’m not accepting what she’s selling 🫤

[@TahitianTreatt]

Yeah. Not every job requires u to be around tons of people, so I'm leaning more toward laziness

[@rajsel8761]

Anxiety only in the first wirld westenr nation! Never see ppl woth anxiety in 3rd world or poor countries! They get up and work to survive!

[@dcheng4248]

She's a lazy ass 1000%. Get off her ass and go make some 💰 for the family ffs.

[@AC-qo8oq]

The more you stay at home, dwell on thoughts, isolate yourself the more anxiety you get, at least that was the case for me.

[@nazarenecaffeine]

My experience, as well. I have been diagnosed with an anxiety disorder, so it isn't entirely under my control. However, there are things that make it worse, and staying at home and not doing anything is one of those things.

[@charliethomlin6434]

i agree. i have a few anxiety disorder (gad, ocd, panic disorder) and the ONLY thing that helps is keeping myself busy. the hard part is convincing yourself to do that. anxiety overrules logic.

[@AtotheZ7]

That's what my counselor tells me.

[@michaeltren4910]

@@nazarenecaffeine no one cares about your anxiety disorder, I’ve seen you blabbing about it in other comments

[@nazarenecaffeine]

@@michaeltren4910 My point was simply to give the perspective that I am coming from. I can relate with the caller because of this. If you dont care about that, then you dont have to listen to me. The fact is that many who have not experienced this type of disorder often misunderstand it.

[@fortyseventhronin]

I admire the way Dave handled this call. Really modelled the right way to talk to someone with anxiety issues

[@FourWheelFinance]

I think the addition of John Deloney has made Dave look at these calls a little differently, he definitely tries to get an understanding of the mental health before telling them to sell the kids

[@olivevideogames]

I'm pretty sick and tired of hearing these people use "anxiety" as a reason not to have a job. Especially now when everyone is hiring. Anxiety is the new lazy.

[@And1one757]

@@olivevideogames i think your right sone of these cases may be real but im going to go 90% lazy with execuses 10% actual clinical anxiety problems

[@kTorres007]

Right. It was a beautifully handled call. Even put me at ease. I pray for her family. And all of you reading this comment, May God Bless all those in need of the Mercy. Amen.

[@EarlyBirdCraft]

You mean “laziness issues?”

[@LuhRen]

Its crazy how debt makes a huge difference. I make 28000 a year but I don't have any debt of any kind, no kids,, and I live quite comfortably in my state. It's not always about how much you make, its what you do with what you make. 💯

[@doublezeroisourhero]

28k a year is still broke

[@doublezeroisourhero]

Please get ur income up no one deserves to work and make 28k a year

[@Dividendsmattertoo]

@@doublezeroisourhero if you have no kids or wife or car payments and live at home 28000take home can be a lot of money especially if you invest 50% of it

[@slammedc2003]

@@doublezeroisourhero 28K a year is only "broke" if you are unhappy and struggling. The OP stated they are living quite comfortably without debt and seem to be happy, they are far from "broke". However, I would be "broke" if I made 28K a year due to debt and other items I choose to spend my money on. Luckily, I make a little more than 28K and am living a comfortable/happy lifestyle albeit paying down debt responsibly utilizing Dave's technique that I accrued as a youngster. Just because a number appears low to you does not mean it is low to someone else.

[@doublezeroisourhero]

@@slammedc2003 I get where you're coming from but that's slave money imo I've never made less than 100k a year even at like 14-16 years old

[@gp3012]

That was brutal. She doesn’t want to work Dave. You know what else brings anxiety? Being in poverty and 100K debt.

[@dcg590]

It’s her fault. I dont feel bad.

[@deezelfairy]

​​@@dcg590 100% She ain't got anxiety, she's lazy. Can't work because of anxiety, dropped out her degree because it was hard, blah blah blah 😂

[@boostedbadboyzx12r31]

​@@deezelfairybingo, hit the nail on the head

[@mezza_ph]

@@deezelfairyfull of excuses sorry she’s just lazy. I get panic attacks sometimes at work I still show up 😅

[@nchen09]

Yep. People use the anxiety and mental health stuff as excuses way too much.

[@lc9493]

Callers anxiety started after she stopped working. Maybe her anxiety was triggered by her financial situation.

[@vickieclark5931]

Yeah, having 145k in debt with a 28k income would give me anxiety also.

[@princesslamour1985]

There's a thought

[@jamesrichey2434]

Well said! I was thinking the same thing, because i have anxiety issues as well. During my unemployment period a few years ago for a couple months, i have to say it did get worse for me.

[@kelseymarbach5731]

Agree. When I am working more, I'm healthy and happy. When I'm not working it appears thats when I stress eat, gain weight, and have random anxiety/panic attacks

[@violetsabrewing7938]

@@vickieclark5931 I’m pretty sure I’ll hang myself with that much debt😬

[@BrandonMinguez]

Less debt will most likely help reduce your anxiety.

[@a-a-ronbrowser1486]

Debt free=care free

[@BrandonMinguez]

@@a-a-ronbrowser1486 Great saying A-A-Ron!

[@illbet4589]

Or smoking some of the devils lettuce

[@Dial_J_for_Josh]

It really does! I paid off all of my debt, have some cash saved and feel liberated!

[@BrandonMinguez]

@@Dial_J_for_Josh Woohoo!

[@aba1791]

$28k a year in Seattle? They ARE starving to DEATH.

[@gritsnwavy3059]

Yes, something is weird here. She must live somewhere that’s rent free.

[@-MOYST-]

I’m 20 min outside of Seattle. A basic 1500 sq ft rambler is 500k.

[@dasmesser1]

Correct. 28k in Seattle would barely cover for rent + food, and even then you'd probably have to skip meals.

[@tonyahenry4167]

They probably live with family

[@ZoSkiLuv]

Something is weird for sure. She's answering questions but there must be something like a criminal past or something that's keeping them broke besides anxiety.

[@sharishines99]

I almost threw my phone when she said no one has degrees after 100k in student loan debt. 😳 I hope they were able to get more income

[@lifeisbeautiful9455]

I closed the iPad lol 😐😳😳…… 🤔😂😂😂😂😂

[@aisha-3857]

How they’re struggling

[@icestationzebraassociates2460]

Right? I have two and only spent 30k

[@kbanghart]

@@icestationzebraassociates2460 so? You're better than they are, right?

[@icestationzebraassociates2460]

@@kbanghart Did I say that? I don't think so. I'm pretty sure I only said I have less debt. Sounds like you're projecting a bit.

[@wildmikefilms]

Not being mean but she sounds to me like a professional victim

[@Helibeaver]

Totally agree

[@turtleanton6539]

Yeeh

[@LachoDroogie]

She must be a Democrat.

[@nattyb2924]

Victim of who? Herself! She created her own circumstance with her mindset and her behaviour

[@RaymondDawson-v2w]

Yeah,only lazy freeloaders and deadbeats hide out at home when they have such big debts. $100,000+ in student loans and neither of these losers even bothered to GET a degree. She's at home on the couch moping and he's goofing off at some minimum wage job. Neither has paying down the debt. And his salary is only $28,000. No wonder they're in so deep. Couldn't they make more even at fast food or stocking shelves?

[@RyanAnthonyDigitalMedia]

Imagine having $100k in student loans but no degrees to show for it

[@Silidons91]

@@LemonDropYum What school follows that made up rule? All college-level courses are transferable...

[@AmandaHugenkiss2915]

It would be frightening

[@kwaviddong7875]

@@LemonDropYum yup. That’s literally they rule at all Universities. In order to get a degree at a University you typically MUST have at MINIMUM 45 credits from the University you want the degree from. That’s why generally you can only take Gen Eds at a CC.

[@emdub954]

The thought gives me anxiety...

[@jeep19]

LoL 😅 I know, right...

[@SStesta90]

This was a good call. Dave was direct but still very kind.

[@josephmatthews7999]

.

[@josephmatthews7999]

T

[@michaelb.8953]

I could see that he was holding back, but Dave did good.

[@midnitespecialist4872]

@@djokovic1747 oh please dave giving away Ramsey Plus, is like you giving a duck the crust of your sandwich. I’m not saying it wasn’t kind, but to him it’s nothing

[@overcomer4226]

Kinder than I would have been I would have told her to stop making excuses get off Her lazy rear end and go get a job

[@kuryanthomas1438]

i always admire the courage of the people who are not doing as well as the people who call in to flex and pour their heart out about their financial troubles with dave

[@clarifyingquestions]

Who calls to flex? Are hard working intelligent people not allowed to grow and prosper and get advice. What you call flexing, I call proactive.

[@abc.2924]

@@clarifyingquestions Flexing doesnt always mean bragging

[@clarifyingquestions]

@@abc.2924 gotcha, but what is the other definition of the word.

[@abc.2924]

@@clarifyingquestions Expand in this case

[@n.e.g.u.s]

@donald johnson well thats a good thing considering most of his callers would be better off if they were millionaires instead of knee deep in debt

[@evanmunden2414]

dave is good at telling who needs shouting at, and who needs to be calmly informed that they need to change what they are doing immediately.

[@alexsteven.m6414]

It's sad how difficult things have become in the present generation. I was wondering how to utilise some money I had. I used some of it for e-commerce business, but that sank. I'm thinking of how to use what's left to invest, but I don't really know which way to go.

[@PennyBernadette]

I understand how you feel. It's a little bit difficult to navigate things these days. You don't wanna lose whatever is left. I may suggest that you find a financial advisor who could give you thorough advice on how to go if you want to go the investment route. Also, the fact your business failed doesn't mean you should give up.

[@vanessahopkins-g5y]

That's right. I have tried many failed businesses and it's just a step further. Don't despair. But to add, if you do decide to use a financial advisor, it's best you use someone who understands your special needs and can work with you. I learnt this from experience before finally finding one I can stick with. Now I make six figures from my investments alone, and even more from my businesses.

[@MarcyLoccy]

Thank you for the advice. When you say financial advisor, are you talking about hedge funds? And how do I get in touch with one?

[@vanessahopkins-g5y]

She's known as “Rebecca Nassar Dunne”. One of the finest portfolio managers in the field. She's widely recognized; you should take a look at her work.

[@samuelrandy-k8x]

Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

[@ThisisDaniel]

I love Dave's adaptability with vulnerable callers - he is firm, fair and tactful.

[@milesmeralis5334]

He's a simp if it was a male caller saying the same thing I bet it would be different

[@JoseMora-wc5zz]

@@milesmeralis5334 it would be different. He’s a man, not a simp. Old ways women can actually stay home, but times have changed. So he’s lenient on women. Men are the food bringers.

[@emzywillrich7243]

Daniel, as you well know, Black people know all about these struggles due to grotesque discrimination in hiring.

[@epr1]

He was extremely kind to her. Extremely sympathetic and understanding. What a man. Icing on the cake was the Ramsey plus for a year for free.

[@Albert12893]

@@epr1 he should be knighted.what a man

[@sXePunkV2]

My anxiety and depression was at it's worst when I was unemployed. She needs to get back out there and DO something. Her mentally health will improve

[@mariejones7136]

that is a double edged sword..She needs help to get rid of her anxity...and then she can work..

[@wesleygriffiths8496]

Mine was at my worst when I wasn't out in the world doing things either

[@B20C0]

Oh, you're a therapist now? I've had severe depression and anxiety while being "out there", being debt free and making really good money. How do you explain that?

[@Joangelis]

@@B20C0 she literally said "My anxiety came after I stopped working"

[@Stationerysurplus]

Yes, I totally agree.

[@melgonz.6962]

"My anxiety came after I stopped working"...well, there's your answer. Go back to work, and that will help a lot of the anxiety. I would be anxious too if I was sitting at home in debt doing nothing about it.

[@finemd5403]

Well Obamacare works when you don't.

[@decimated550]

She is a scaredy cat

[@Thurgor_Supreme]

It's hard for both parents to have a job when schools won't babysit your kids anymore

[@artemisofthemoonandhunt1486]

Once you start spiraling, it is very much not that simple.

[@mlovespring7892]

Totally agreed! Wish we all have financial freedom, and never need to worry about money again. That is my long term goal I am working toward. But, my stupidity kicked in big time and lost my high paying job. Still hurts till today!

[@daneprep5702]

Respect to Dave for treating this lady with the utmost respect. I understand anxiety, but to be in your 40's and seeing your family struggle with money and not work? I hope she's in a better place now.

[@OShackHennessy]

She won’t be, these people are perpetual train wrecks. Your tax dollars will continue to support them.

[@VermilionCandles]

Wow how thoughtful. I had anxiety and was dealing with panic attacks for a while. He handled this with a lot of grace.

[@taahdaah3813]

It sounds like her anxiety comes from her being unemployed and feeling powerless. When she gets a job and feels she has some kind of control over her debt, life and future, her anxiety will disappear.

[@peartfaldo]

yep. hers is situational not clinical......

[@happilysmpl]

absolutely feels that way!

[@TheMooseCaboose]

I mean... it won't just "disappear". But it definitely will be at a point where she can independently manage it without it being out of control.

[@JanetKing-g9c]

​@@peartfaldo Mine is too x

[@ASQ1Fan]

I like these formats where Dave is by himself.

[@AmandaHugenkiss2915]

Agree, I get tired of "honoring" everyone and "loving" everything. Cold hard truth is needed.

[@PInk77W1]

Way better

[@algonquin7187]

yeah way better. i hate when he jas other people in there...they always have something to say

[@honeyvoss1477]

I disagree. I like Anthony.

[@mwashi401]

Me too

[@thepeeve]

Honestly can we appreciate how Dave handled this call? Not raising his voice or calling them out or anything, but was looking for true understanding to give sound advice and sounded like he felt for them

[@vickieclark5931]

Yeah, I'm glad he was gentle with her. Although I think she needs to get out and get a job, you can tell that she is not making up her anxiety. She really has it. She just needs to do something to help pay this debt off and then her anxiety will at least lesson without all the worries of the debt.

[@And1one757]

@@vickieclark5931 its no way you can tell if its legit or shes making it up not but there is nothing wrong with giving her the benefit of the doubt

[@aightm8]

Treating people with respect shouldn't be appreciated. It's the bare minimum

[@kbanghart]

@@aightm8 Amen

[@danielpineda508]

It’s actually good to see a call where Dave is kind to the callers dealing with so much! At times it feels that he doesn’t put himself in their shoes. Ppl needs someone to listen to them! 👏🏼👏🏼👏🏼

[@curiouscat3384]

There are so many people stuck at the bottom rung of the socioeconomic scale who don't have motivation because they just don't know what to do or how to lift themselves up. The emotional toll that poverty takes is defeating them. That's one reason Dave is so great - he counsels people to get up and just do SOMETHING and that gets momentum going.

[@SidraAdele]

Spot on take

[@honieebean]

Yep I like that he recognizes the tricks you have to play with your mind to get the ball rolling

[@bcuriel2010]

“Your husband needs to get six more jobs” NO DAVE! SHE NEEDS TO GET A JOB

[@bonbons525]

That is what he is trying to say, he was extra kind to her.

[@NoNegotiations]

@@bonbons525 well, instead of telling her like it is, he's pampering her.

[@OfftoShambala]

@@NoNegotiations well the goal is to get her to see the light, and he doesn’t want to alienate her... because that might not help... but sometimes it needs to be said to people

[@rollingacresfarmstead206]

dave doesnt want to upset the women folk now

[@ca6360]

No they need to ask their parents to watch their daughter during day and she needs a full time, he needs better full time, and a side hustle or second part time

[@jorasparents]

I love watching this guy work a problem. Just the way he asks questions and moves from one point to another. Really amazing to watch.

[@trickyrickygmail]

Dave is logical, gentle and kind. For someone with Dave's wealth he is very empathetic whilst being clear. 'To be unclear is to be unkind"

[@AFCreative500]

Good points

[@nyancoin4146]

When I feel like i have been taking terrible financial decisions i just look at this kind of videos, it makes me feel better

[@Dan16673]

These folks are unreal

[@chuyistheshiz6811]

Same.

[@fenomfangx]

Spent $100,000 on a degree she never got AND doesn't work. I think we found the problem. Husband chose poorly.

[@edwinortiz1262]

Doesn't sound like she did either

[@GangsterNerd1]

Yeah, cause he’s such a prize.

[@fenomfangx]

@@GangsterNerd1 Yea he is 100% supporting her and his daughter while all she's done is put them is debt. His hours dropped because of Covid, she is just lazy.

[@asnmdnss]

​@@GangsterNerd1he is for marrying her

[@user-cq5gl1ri7q]

The stereotype that women only care about money gets funnier every time I see males basing a woman's worth on her money lmao the husband makes less than 30 000 a year, I think they're actually a perfect match

[@Nemo00013]

100K in Student loans and she's not working, and her husband "drives" for a dealership? What they go to school for? 🤦🏻‍♂️

[@Irene94044]

Gender Studies

[@EarlyBirdCraft]

@@Irene94044 🤣🤣🤣

[@mwashi401]

Who knows?! I was thinking the same thing

[@danielalonzo7445]

She neeeeds a job!

[@pamemarald3601]

she went for accounting

[@jellybeans9283]

My anxiety is the reason I AVOID debt. I would never sleep again if I had debt

[@richthepup]

"Mkay, who's not working? Why?" Lol gotta love dave

[@Yugiboii]

Straight to the point and gathering facts that people don’t want to hear, good stuff

[@TheMusicscotty]

I love that Dave changed tactics on a dime here. He's usually Mr gruff State the facts. With this lady he dropped his tone way down, did not come across as overbearing, and actually engaged in a conversation that was helpful for this gal. That was gentlemanly.

[@BrewedCoffeeBean]

staying home all the time is probably the worst possible thing for anxiety

[@sdot3358]

Just listening to this call was raising my anxiety 🙄

[@livingunashamed4869]

Just adding a part time job changes their life. Go from 28 to 40k would be huge.

[@jaypence332]

It's not the pay is low. It's the greedy Goverment sticking their hands out.

[@darinherrick9224]

Dude is already working. You saying he needs a second job?

[@nazarenecaffeine]

@@darinherrick9224 One of them can find something part time. This would help greatly, and would be better for her anxiety in the long run.

[@PInk77W1]

Only if they actually paid down debt.

[@PurpleOcarina]

@A M it is a massive change you cannot convince me otherwise. When i was at 40k a year and quit one job to go back to 27k a year it was absolutely life changing.

[@ErrorPagenotFound-ig1cy]

Lol can’t make these calls up.. cant work because of anxiety. Work gives us anxiety. I’d rather get anxiety and get paid for it.

[@grantarmbruster6591]

I get anxiety buying things. I hate to buy things. So they don't have any anxiety buying things see cc debt... I bets she counts shopping as therapy.

[@MrTmenzo]

Sucks for her rather be in poverty because of anxiety

[@randyh801]

I am on the fence on this. Anxiety is very real. For some people, they literally cannot move because their body is responding as if they’re in the middle of a mass shooting, even though nothing is going on. However if your anxiety is so bad that you can’t work, you should be able to collect disability. If it’s not, then I’d suggest more therapy and medication. I have tons of family with anxiety, some are on a daily pill and some take them as needed. All respond very well to the meds.

[@CosmoMakeupgurl]

Sadly your right😔

[@CrystalNicole13]

👏💯

[@usmankhan2840]

This is honestly the only show that helps me understand the concepts of saving money.

[@diegorodriguez5855]

The more i hear these calls the more i am blessed with my 50k job, no college and no debt, i cant imagine the amount of constant stress that must be

[@bryankovar2930]

Are you blessed or do you have a good work ethic, hard working or have common sense?

[@AT-kt4wy]

@@bryankovar2930 agreed, it’s mind boggling how irresponsible people are.

[@SpaceJamCamBam]

@@AT-kt4wyhow’s it shocking? Most of the world is financially illiterate. It’s been this way

[@jennifer3551]

Me too, except I don't make quiet as much. I consider it a blessing and making good choices.

[@garbanzo_bean]

@@bryankovar2930 some people are lucky to be born motivated

[@emilsisorganizandote2688]

I love when Dave is sweet with people that are struggling with mental health situation :)

[@lionelhuts875]

Sweet with women*. I guarantee everyone would have different advice if the caller were a man.

[@lionessrising]

People like this take little to no responsibility for their situation.

[@peartfaldo]

yep. and our wonderful govt is telling them its ok. all because of inequality

[@powersdmc]

I guarantee you that they’re living rent free with this moratorium too. Hope they can make it out.

[@stephanier1000]

Excalty. What was her point of calling.

[@WISHBONEL7]

No , because she obviously realizes that the family has problems , that is why she made the call .

[@marlynel2335]

Facts smh

[@tyndni]

This is sad but sometimes people have to help themselves even if it's $10 an hour job

[@susanarsoniadou3588]

That is slavery.

[@triple_gem_shining]

@@susanarsoniadou3588 true but you have to value your time and not sell yourself short. Which a lot of people do

[@larissagonzales6075]

@@susanarsoniadou3588 slavery is being held against your will. Any income will help and it could motivate you to do better. These jobs are not meant to be held forever.

[@maxhendryx6171]

@@susanarsoniadou3588 no it’s called no skill

[@nazarenecaffeine]

@@larissagonzales6075 Agreed. It is better to have a job making 10 per hour (I have held jobs making far less than this) than to have no income at all. Sometimes you just have to be grateful for what you have.

[@kirkmaxwellofficial]

You’re in your 40s with so much debt that you’re considering bankruptcy and one of you isn’t working and the other is working part time ? Some people are so dumb it hurts

[@FraYooo]

He only works 33 hours and doesn't have a second job at a restaurant or coffee shop? Not to mention she doesn't work. This is ridiculous

[@forresthodge1024]

40+ years old, $100k+ in debt and no job. Margie can't afford not have an income. I get the feeling the her husband isn't qualified for much either if being lot porter is considered a step up from his previous job.

[@jairoherrera4040]

I wonder what she majored in? I hope it wasnt gender studies bc that is not in demand.

[@Sophie-ge7ti]

@@jairoherrera4040 I thought she said accounting.

[@jairoherrera4040]

@@Sophie-ge7ti I might have missed it but she needs to find a better pay

[@alextogo8367]

@@jairoherrera4040 that's the problem she's has no pay. No job. Weren't you listening

[@jairoherrera4040]

@@alextogo8367 I have a hearing disability so quit being rude here.

[@CaseyBurnsInvesting]

Getting the financial stress out of your life can’t hurt your anxiety.

[@markplymale]

Exactly man. I’d have crippling anxiety in that situation too

[@ScotianBlooded]

isolating yourself away from people will hurt your anxiety

[@jeffc1347]

Do you comment on every finance related video on youtube?

[@esonon5210]

Margie needs a J-O-B. She can't afford to be a SAHM.

[@marktheshark2569]

@Jay I will agree her husband needs to get a better paying job, but she absolutely needs to get a job

[@bradleygunther5722]

What a load. Anxiety is just another label for Crazy. Guys stay away from women like this

[@erictrejo4439]

Or the husband needs a better job and a second job in top of that

[@gigi_enItalie]

Thank you, Dave, for acknowledging that what she is going through is real. I am always encouraged by your empathy, while also trying to push for a way forward.

[@powerpuff4ever]

I like that he doesn’t dismiss the severity of anxiety and the necessity of treatment when giving this woman the advice to try to seek employment. Her situation is one that really doesn’t have many options outside of “increase your income”

[@c976061]

getting outta financial debt and stress will lessen your anxiety.

[@bettysmith4527]

Her getting a job, or two, and her husband getting a second job will help her anxiety for sure!! They both need to grow up a bit and work on getting actual careers, so they can better care for the needs of their child

[@Je.rone_]

Debt is a lot like a high school relationship, it could work out, but for most it probably won't

[@Dan16673]

So true

[@Winston0Boogie]

THE BLACK VITO!!! HEY MAN!! HOPE ALL IS WELL BUDDY

[@MegaIluvmj]

I honestly believe students loans is a huge reason for this generations anxiety and depression issues

[@dcg590]

So? They signed. They weren’t forced, pay. it back.

[@CoCo-yv3hl]

@@dcg590at 17 & 18 years old… you haven’t made a bad mistake? You never heard of how they were predatory & incurred more interest than borrowed

[@kind2423]

@@dcg590 Really, you think at 18 -25 when you make these decisions how it will affect your life? These banks and higher institutions profit off of naive individuals.

[@BLoafX]

Especially when the college doesn't live up to the hype!

[@thedeels7522]

@@dcg590 when you’re 18 and never had parents teach you about financial responsibility to say “they weren’t forced” is just a false statement. Some of us feel like we were influenced and ignorant and did not know the impact it would have on us. Have a little more empathy for some people. Thank God you had someone who kept you from making a stupid mistake.

[@karig1224]

I actually started getting anxiety due to the stress of not being a provider in my home. Yes I work and help by being a stay at home mom. But there’s something about not bringing in a paycheck & going from independent to dependent really triggered my anxiety.

[@BlightBreedOfficial]

Anxiety is no excuse. I’ve been living with “high levels of generalised anxiety disorder” since I was 16 (28 now) yes it can be crippling, yes it’s unfair, blah blah blah. It’s no excuse. You can get all the therapy and medication that you desire, but the only person that can change that, is you. People that have anxiety can become lazy and blame their life’s problems on it, but it’s only detrimental to you and nobody else. Once you realise that, doors begin to open.

[@BlightBreedOfficial]

@@saulgoodman2018 No it’s not. But when you’re in a slump as this person clearly is and you’re using anxiety as your main contributing factor to poverty, something needs to change. Success is never built in your comfort zone.

[@whyme7862]

Perhaps a better approach would steer them to get help rather than insult them and say if I can do it you can do it. Maybe she can start off small once she and her therapist begins to make progress all the while severely minimizing her lifestyle.

[@BlightBreedOfficial]

@@whyme7862 I never insulted her. When did I insult her? Because I said “people with anxiety can become lazy and blame their life’s problems on it?” That’s the truth, not an insult. It wasn’t directed specifically at her. I also never said not to get help. So, I’m not sure what point you’re trying to argue.

[@whyme7862]

@@BlightBreedOfficial I guess you don't understand the nuances of tone. Clearly she and her husband have problems and are trying to get help by calling in and seeing a therapist. They made some poor choices and seem to be making an actual effort to repair the situation.

[@BlightBreedOfficial]

@@whyme7862 Sure, but that doesn’t change the fact that she put anxiety down as a main contributing factor for their current situation. Everyone goes through a slump, even rich and successful people. The reason for my comment was to point out that blaming anxiety for your problems, won’t get you very far. There’s nothing more to it. It may have come across as harsh, and I’m very sympathetic, but I won’t apologies for what I said. She seems to be struggling and that’s perfectly fine, we all struggle - Everyone, but what are you going to do about it?

[@JustAName-it5qp]

Been depressed dealing with military just to pay off debt. Without a debt, my job just feels like fun with the occasional laugh at stress. Debt free is the way to go and I have Dave Ramsey and team to thank for the course of my life.

[@emzywillrich7243]

Debt-free is the way to go and try to stay there once you reach it.

[@robertdepesci3418]

I struggled making 26k a year as a single person. I can't imagine having a wife and kid with all that debt.

[@Dan16673]

How? Costco pays more starting

[@robertdepesci3418]

@@Dan16673 that was 12 years ago. and costco was very hard to get into back then. probably still is now.

[@mattgeiger9988]

I'd rather be stressed out about working too much vs being stressed out about being broke!

[@TheAnointedOne90]

My younger sister sent me in this direction after a convo we had a few days ago. I’ve listened to a few of these types of videos over the past couple days and I must say there are tons of people in far worst situations than my own. That doesn’t make me feel better about myself but encourages me cause things could be far worst. I’m 32 with 55k debit and for some reason this guy makes me feel like tackling that challenge could be a lot easier than I was assuming. Putting his baby steps plan in action asap.

[@Jon-Jon309]

Hey guys, I was in the SAME situation this lady was in and I could HELP HER ALOT. Pretty much, she's doing the right thing seeing someone about the anxiety issues *(As this was prob triggered during the stresses of collage. This is a very common thing)* and she got great advice from you about needing to get on Dave's plan and CARE LESS about letting people down. Live your own life and when someone isn't happy with you, you smile and tell them that's all you can do. I was 60K in debt making 30K and now I'm debt free, making 80K. Took about 3-4 years.

[@catarina81]

It's amazing she had the courage to call but honestly in anxiety situations (and I have been there) the best thing you can do it's to go out of the house and try to do your life. It will be so hard at first but in few weeks or months it will feel natural. When you stay at home it's easier to think everything is bad and feel bad for yourself, when you go out and you are busy you have no time to be sad and anxious. Not only work will make her anxiety less severe than she will also have money to enjoy her life better and stop stressing about debt. She needs to get into the cycle, now she is just in a hole.

[@MB-gz1ji]

Gotta call bs on the anxiety thing. Not that she doesn’t have it; a lot of people do. I was diagnosed with PTSD after my year long trip to Iraq (2003-2004.) I have insomnia, anxiety, nightmares, etc. I still go to work everyday. Some days it’s really hard. But I and millions of other people do it. This lady needs a job. Fast food, janitorial, drive for Uber, Uber eats, mechanical Turk, etc. Lots of options.

[@jeffkline9191]

Thank you for your service and sacrifice!

[@hornetguy9063]

Yes. It's not that mental health issues aren't a serious problem. But society can't be patting people on the head and absolving them of any responsibility because of these issues. It's like people forget that the world doesn't owe us anything. I live in Boston. It's probably a global top 25 city, and would probably be the 5th most important economic hub in the USA, behind NYC, SF, LA, and Chicago. So, big magnet city for immigrants. Strangely, I don't encounter people from Africa, South Asia, East Asia, Eastern Europe, Latin America, etc, with anxiety issues too crippling to go work. Seems pretty unique to people born here.

[@terriesmith2616]

My older brother is legally blind yet he still works full time. This lady needs to stop with her B's excuse and go out and get a job. Doing nothing, taking no actions is what's causing her "anxiety".

[@terriesmith2616]

@@telegramatblain_2479 Get the F outta here you scammer.

[@MB-gz1ji]

@@user56gghtf The key thing I keep going back to is the fact that she said her anxiety started after she stopped working. Granted I don’t know her but my gut feeling is she’s making excuses. I know people who have been through nightmare situations and still find legal ways to earn a living. But it is entirely possible I’m being too judgmental and pessimistic.

[@naturesoundsofireland1241]

Compassionate and real. This man does so much good in the world.

[@bubbafinch07]

Dave is a pro. Him taking this caller and giving them the attention and care they needed is truly fantastic.

[@yamamancha]

My lie detector exploded when she said she was getting help for her "anxiety".

[@toxicrengar7572]

her "therapy" probably is some neighbor witch, telling her which tea's to drink

[@Maxim.Teleguz]

@@toxicrengar7572 lots of assumptions

[@grantarmbruster6591]

@@toxicrengar7572 or shopping therapy with the cc.

[@illbet4589]

Good thing those things are inaccurate

[@libafried5840]

She doesn't need "help", she needs a job.

[@noppawannitrosesatien9625]

I have an anxiety for not going to work and staying in debts.

[@jeanlenor1858]

If I was her anxiety doctor. My first prescription for her would be to get a job now and come see me after 10 years.

[@manucletejanota5137]

Pretty much😂😂😂

[@concernedcitizen4579]

And if that don't work, get two jobs! Increase the dose.

[@TrevForPresident]

And then you as the anxiety doctor would be looking for work.

[@nazarenecaffeine]

With all due respect, as someone who suffers from an anxiety disorder, this kind of thinking often does more harm than good. It's also highly offensive to those of us who require medication to control the anxiety disorder. Anxiety disorders are not easily managed. I think that getting out of the house for work and getting her finances under control will help, but it wont eliminate it.

[@nazarenecaffeine]

@@TrevForPresident I suffer from an anxiety disorder that is beyond my control. Thank you for saying this. I appreciate someone recognizing that anxiety disorders are actual medical conditions that can be managed, but rarely ever eliminated.

[@elizmon8526]

With her "accounting studies" she should try to get a bookkeeping position, even if it's an admin. assistant role on Upwork, something local. Not working is very anxiety-inducing.

[@gojojuice]

I work a lot and have a lot of anxiety around my work, but my anxiety was highest when I was jobless.

[@toddlerbookclub2183]

This situation is impossible. I don’t understand how these folks are living/eating.

[@Castellanocreep]

I think the real thing here is 100k in student loans and no degrees!!!!!!!!!!!!!!! That sucks

[@jeep19]

LoL 😅 I know, right...

[@telegramatblain_2479]

*Thanks for your comment* *FOR=GUIDANCE=AND=INVESTMENT* *w••h••a••t••s••a••p••p* *+••1••9••7••2••9••4••7••6••0••0••1*

[@clairewillow6475]

Maybe she should go back and get her degree?

[@ceesmith]

That part was shocking. I wrongly imagined that people with that kind of student debt have got their degrees.

[@jhopkins213]

@@clairewillow6475 with what? More student loans?

[@mandyprice5735]

This just sounds like neither of them are trying at all..

[@avaceleste]

I really appreciate the level of compassion Dave I speaking with here.🦋

[@miloodidi]

His face when she said “my anxiety came after I stopped working” like she quit because she is lazy jaaa

[@joimumu]

Agree and she doesn’t care the stress she is causing her husband

[@spencer4708]

I have anxiety just hearing her situation, I can’t imagine what it’s like living that each day. Fix your financial situation and I’m sure your anxiety will go away!

[@nazarenecaffeine]

Perhaps not completely. I have an anxiety disorder, and dont have complete control over it. However, some things help, but do not eliminate entirely, the anxiety that I have. Agreed that it will help, but I dont think it will entirely eliminate it. It may make it more manageable, though.

[@vickieclark5931]

@@nazarenecaffeine Agreed! People have anxiety over a lot of different things, but eliminating some of the bad things in their life like toxic relationships or debt can definitely help make it more manageable. The less you have to worry about the more control you can get about the anxiety.

[@clari5683]

@@nazarenecaffeine so agree! I have GAD and worry about anything, even the weather but having bigger issues like no job or financial problems makes the disease unbearable.

[@charliethomlin6434]

it depends on her situation. i'm wondering if she has anxiety or an anxiety disorder. if it's just anxiety, you're right, fixing her financial situation will eliminate it. but if it's a disorder, there's not much she can do :(

[@phyllisb-chronicles3358]

Watching fro the UK I love this programme. Debt is a huge problem for us in the UK too. Sacrifice is necessary work to clear that debt and never go back. I hope this caller finds financial freedom

[@daveavemian5940]

I love how Dave makes it seem like 33K in CC debt is nothing. Paying off 33K when you're making below avg income is very hard

[@richard77231]

I don't think he felt is was nothing, but it's important to point out that 80% of the debt will still be around after bankruptcy. And he's right that even if ALL the debts were gone, they still have to solve the income problem.

[@oldtwinsna8347]

Yep. They will be in the defaulted interest rate bracket which is like 20% or some crazy figure. At that income level they will be making minimum payments that barely touch any principal.

[@johnc2438]

But nobody pointed a gun at them and told them, "Sign up for this loan or you will be shot!" They did this of their own free will. And now they find out it wasn't free at all!

[@allanhood4397]

Total head case

[@chrisrose2690]

FACTS 👌!!!!!!!!!!!!!

[@richardople]

Dave: "Hi Margie, how are you?" Margie: "I'm good, I'm $145K in debt" Dave & Everyone: "You're not good, not even close"

[@JamesTheHumbleSupplanter]

Dave takes each call as a loving father would do his child. Even in “tough love” responses, he addresses callers in the manner they should be addressed. This woman didn’t need a wake up call, she needed some loving guidance, and Dave gave her that. ❤

[@patriciabradford1304]

You showed a lot of compassion for the young lady. I pray she gets the help she needs because it's really stifling the family.

[@markcowan3366]

She's in her 40's

[@rramirez115]

For the young lady?…🤣🤣🤣

[@HalfwayJac]

I have suffered awful, debilitating anxiety since I was 15. I’m 42 now. I wouldn’t wish this on my worst enemy. I’ve been let go from jobs in the past because of it. I see a therapist, and do my best. It’s always there, but I get periods where it comes on so bad for 3 or 4 months where I just can’t function. I work, but everyone at work notices it. I hate it. I always try to save money just incase I lose my job again from it. It was probably 10 years ago since I lost my job because of it and ever since then I’m really paranoid of losing another one. Anxiety is real people. And it’s a living hell. My heart goes out to this woman.

[@nnyv0040]

Thanks for showing compassion towards someone who has anxiety. People who have not suffered abnormal anxiety will never understand how debilitating it can be.

[@guitarman394]

Dave is so good at getting down to the most important points

[@UpstateMan607]

This is absolutely insane. Imagine being like a target stock person or McDonald’s cashier and being the sole provider for that family while carrying $145k in bad debt. The weight and stress that person must feel, I can’t even imagine. Good bless and good luck

[@sabrinay9430]

If her anxiety is that bad she needs to get on meds. I had to do it once and it helped me get through my shifts. And she can work for home.

[@gabyszabo9615]

Dave is so compassionate and practical and helpful in this video. I got a little tearful: what a wonderful example: thank u!

[@MillionaireMindsetClub]

That title gives me anxiety 😬

[@oneauthenticlifepodcast]

Dave is a good dude- really high emotional intelligence.

[@tylerbrown9071]

In your 40s and not wanting to work with a husband that only works 33 hours a week. Y’all aren’t even trying. I’m 28 and work 50 hours a week. There’s no excuse for this lack of motivation.

[@peraltaisrael2598]

I feel it for this lady and her family. Hope they find a way out.

[@drollette08]

Right, the first step is to get her a job and stop being lazy.

[@Sphinx26]

Wild stab in the dark here but I'm guessing these people are never going to make their way out of debt...

[@charliethomlin6434]

i was gonna say the same thing lol

[@robedmund9948]

Perhaps, but reaching out to Dave is a huge step in the right direction and shows a willingness to at least try. Maybe with some guidance she and her husband CAN get their income up and begin getting out of debt.

[@OfftoShambala]

Yep bankruptcy is probably their best bet. Or just pay car payment, and mortgage if they have one. And send everyone else five bucks a month or nothing. And don’t answer your phone for seven years. Or get a job. No reason a mom can’t earn 1000 bucks a month between a part time job and selling on eBay... or something. This person has really been living under a rock.

[@johnc2438]

Would not bet against you!

[@hornetguy9063]

I know there's going to be a lot of people sympathetic to this caller. I am as well. But let's be real here: imagine if a man called in saying that their household is bringing in barely above the poverty line in income with over 5x their income in various forms of debt, and he wasn't working due to anxiety issues. He would be ruthlessly shredded by many of the same people who demand sympathy for the caller. The reason I still will have sympathy for the caller is because I've literally seen it; some people get into bad situations and the obvious thing to do is not even something that crossed their mind. Remember the caller a few years ago from Houston who had all of the necessary education to be a teacher, except that she owed $1700 to her school before they'd release her transcript? So instead she worked as some aide making $19k a year and overwhelmed with student debt. "Go find a summer job" was something that never even crossed her mind. Irrationality is definitely a feature of anxiety for many people.

[@staceystrukel1917]

I have zero sympathy for them.

[@justdl]

He would have told him to man up.

[@CoCo-yv3hl]

Who cares what gender life happens to everyone

[@Nature-ep5cu]

Because man to man Men with dignity know the man is the head and provider of the household

[@LOVE-findingtheone]

Who's not working? "Me!" 😂😂😂😂

[@stephv1563]

She broke my heart. Her situation made me cry. I have horrible anxiety but feel fortunate that I have been able to work through it. I hope she is able to find something low stress soon. It would be life changing for them.

[@dcg590]

Why? These are the choices she made.

[@rtrt2889]

I think her "anxiety" is from the debt. She needs to work. Stop making excuses

[@michaeltren4910]

For real. That seems to be the problem these days with people being lazy and when the time to pay bills come up, they all of a sudden get anxiety and scared. It’s time to take action

[@BKMaster6]

Exactly I feel bad for that little girl 😞

[@ryanking6915]

Anxiety is fear of what may never happen. You have to train your brain to think in the NOW to get over it.

[@ProfessorMikee]

She can work from home

[@17odraiccip]

very smart, highly sensible man... i’m impressed with how adequate he is. amazing! ✊🏻

[@nailatiylluf]

After a medical diagnosis I was having frequent panic attacks. I started shutting off places and experiences where I had panic attacks. My therapist was adamant that even though it was easier in the short run that was the worst long term action. He was absolutely right and I’m so glad I pushed myself to get back to normal. I hope she finds the same peace.