We Are Working So Hard And Are Barely Making Ends Meet

[@LTJuni0r]

Unfortunately, hard work doesn’t equal more money.

[@CorrectCrusader]

That isn't true but okay

[@GovnaBuckingham]

NovaLegion get a job at fedex or ups and let me know how that goes

[@Helthurian]

Working smarter, not working harder equals more money. Doesn't mean you dont work hard, but you have a vision to turn all of those hours into something more lucrative.

[@droptozro]

@@GovnaBuckingham The FedEx near us starts you out at $17-$18/hour and we're not in a major city area(lower cost of living)... so not sure what you're talking about. I'm making $20/hr at a local distribution center and plenty of OT is offered.

[@droptozro]

@Danny Becker If all you want to do is be a basic worker yeah that's right---but I've seen a guy who made plans to be a regional manager in less than 2 years at a place like McDonald's and they'd be fine. You just have to plan ahead whether you work for McDonald's or any other company for that matter(or yourself).

[@jphickory522]

This guy’s wife is a treasure. Having a woman with her heart is priceless.

[@19coyote80]

Amen

[@19coyote80]

@Ashley ashley if he's not doing so already (hence the money problems)

[@Diana-kf6zs]

She's a total cinnamon roll ❤❤

[@sparcx86channel42]

You don’t know these people you judge too fast and pretends somebody else’s are cheating when you know nothing about them. You are ridiculous

[@Industrious420]

@@sparcx86channel42 that was a weird tangent.

[@catherinep4707]

Finally. FINALLY, someone who sounds terrified, emotional, and ADULT. Someone who's not laughing and giggling because they make $150K a year with four kids and have spent all their money on fancy cars and boats. When Dave asks how they are, they say "I'm great!" Flat broke, no discipline. Pure entitlement. This call was refreshing. I hope they are doing well.

[@Melody_On_Pawz1]

Catherine P Sadly I didn’t feel that way . I feel bad for her but why is she entitled not to work ? She puts it all on her husband. Why can’t she work part time on his days off or work at night ? We all have kids and have to figure it out so we can take care of them

[@Melody_On_Pawz1]

It’s not very adult or responsible to have children and live this way and I do feel bad for her but she needs to get a job

[@staceystrukel1917]

@@Melody_On_Pawz1 I'm glad you're not my mom. I praise her for staying home. Handing your kids over to strangers is horrible.

[@wanefelicia8779]

@@staceystrukel1917 guess u missed the part about her working when the hubby got HOME

[@jutde]

@@Melody_On_Pawz1 on top of what Wane said, most likely also because daycare would eat everything she'd be making anyway.

[@3056398]

Dave did a great job here. She seemed very genuine and caring. Hope it works out for them!

[@AmericanAutomotive1]

Heck yea he did. If nothing else, Dave truly truly cares about everyone. It's amazing and humbling to see. I also think he has probably changed more lives for the better than 99% of the population.

[@marcellowheeler88]

Sadly this is the life for alot of people. Work themselves literally to death without ever getting a chance to wake up one day and not worry about having finances. The day I can wake up and not worry about an emergency ruining me or worrying about paying a bill is the day I can start living.

[@jamie49868]

I've got bad news then. Everybody worries about their money. That is why Bill Gates goes to the office every day. He may have different worries, but worries none the less. The best you can hope for is to get to a secure place financially, where your worries no longer consume you. But yeah, we all have worries.

[@sami-9233]

True happiness comes from being happy about what you have, not what you could get. If you have a dollar you already have 100% more than 0 dollars. That's a start.

[@NickJanson94]

Truest comment I've ever read.

[@brianb900]

That’s the American dream brother.

[@bnzimusa]

Choices

[@Simply.KiraMarie]

This one made me cry right along with her. Completely relatable for me, and I don’t even have kids to take care of. Always trying to just keep my head above water.

[@JakariJordan]

I would like to provide a solution to your problem.

[@lesliepomales221]

Yup. Same. Cried along with her... It’s always something and there’s never enough. Well, what can we do? Be thankful for good health and keep trying.

[@nightfangs2910]

Kira Marie unfortunately, you have a lot of company with that one

[@ksrinivas1729]

No worries your future going to be wonderful.

[@jamie49868]

Lots of young guys I work with who have young children, their wives take in a couple of kids during the week. They make anywhere from $500-1000+. Add that to what you save on daycare your self, and you come out way ahead. But even her job at the library netted her $30 a day after daycare expenses...that is 5 x 30 = 150, 150 x 52 = $7,800 a year. When you are making $30,000, that $7800 is a 25% increase, and that is huge.

[@urdad99]

Wish I had a wife like this when I was in the military, she sounds like a good woman.

[@lilolme69]

Yes she does.

[@MarcusKiner]

I just divorced mine after 7 years, and 9 years in service. She's a good person, but didn't work and would just spend money (mine) like there was no tomorrow.

[@happygenerously6008]

@@MarcusKiner wow that's terrible

[@MarcusKiner]

@@happygenerously6008 I've never been happier! That's when you know something is wrong lol.

[@MarcusKiner]

I'll be honest bro, when it's your first true love, you can get delusional.

[@HeavymetalHylian]

My dad used to always tell me "look how much farther you've come than everyone else who never tried." Don't feel like you're not doing a good job just because you're still on the first baby step. It isn't a race.

[@jasmines.6325]

when she cried i FELT that

[@Josh-zk7pf]

My heart broke when I started hearing her cry, I feel terrible and hope they pull through

[@AngieMcdonald-fu9nh]

Well it's all her fault... should have kept her legs crossed till they had more saved and both had more skills.

[@darrenwarren1730]

I hope Stephanie sees the comment. There are a LOT of people who have not completed baby step one and you have. Keep your head up and you will figure this challenge out.

[@lisaw3424]

I love when Dave sees to the core of the caller. She needs kindness and encouragement!

[@michaelwoods4495]

Her parents are stealing the value of his labor.

[@rebeccaweinstein6560]

How is a voluntary exchange stealing? He can go get a different job if he wants.

[@angryarkie1642]

Yeah.. ain’t unbridled capitalism great?!

[@michaelwoods4495]

They're paying $30,000 a year for 60 hours a week labor. That's about $10 an hour for their own son, if there are no vacations. I do agree with Miss Weinstein, though, that he can get a different job. Maybe learn a higher-paying skill.

[@mcruz2357]

I don't get the husband's pay. I work in the grocery business and butchers are the best paid. It's an in demand skill in Canada anyway. Other grocery stores try to entice butchers away with higher pay offers.

[@SherryEllesson]

@@mcruz2357 In a grocery store, there are different pay scales for different jobs. This is her parents running very small operation (which probably means just her husband) and it sounds as though they're guilting him into staying in a poorly paying, dead-end job.

[@slomo1562]

A butcher who is broke isn't processing 18 hours a day during hunting season. It sounds like dad is keeping all the money and working the son-in-law for peanuts.

[@Tagatiway]

I don't think the husband likes the job. He is there because is a job. I feel bad for the father. Should be getting a better employee.

[@Metal7771]

I would never ever work for my inlaws! That is just another way for them to control you.

[@KennTollens]

Mmmm peanuts!

[@milleniumann28]

Dads probably living like a king over there 🤔

[@skyranger1366]

As a young man I have worked several jobs like that. And when I quit for one that pays slightly better the boomer boss acts like I just ran over his dog.

[@SeBaStiAN01Niceboy]

Simple switch from National guard to Active. Its definitely going to help with the financial aspect especially when he works hard instead of work smart.

[@rskar]

Can we appreciate how wise this man is with regards to insights of human nature?

[@TheHoriginal]

👍 Yep true dat

[@DistopiaKosaki]

Not always

[@hankfuchs7132]

It’s amazing how Dave can go from one crisis to another and give such inspirational advice

[@k.j.krimson2590]

She could start an inhome daycare. That way she could save money by staying home with her children and also get paid while taking care of other peoples children.

[@imperfect3206]

That's what I was thinking, I personally started my own, and its great money, saving up for times like this.

[@marieeats744]

ImPerfect how exactly does someone go about doing this?

[@imperfect3206]

hi marie, 1) research your state laws on home daycare's and what legal paper work or license you need. 2) you can only have up to 6 kids to each employee so keep that in mind. If you want more kids than just 6 you'll have to hire someone 3)research your competition in your area, like their prices, what they provide, and the reviews on google. 4) figure how much you want to charge (the younger the kid the more you can charge, but the older the kid it isn't as much) 5) also figure out what you'll provide like meals and activities 6) advertise. What i did was make 200 mini flyers for cars and houses, and tear a tab flyers for store and other local places. Put what you charge, how to contact you for a meeting, times and days your open, what you provide, things like that on the flyer. 7) make sure you research any people that have a criminal record with kids before you pass out flyers to houses. and meet in public places like parks and restaurants when meeting the parents. DONT put the exact address of the daycare on the flyer because then creeps will exactly know. Have kid register papers ready to print off for parents if they want to enroll their child. Pinterest helped me with so many ideas and what papers i need for parents. Besides all of this do research to better other daycare's. And make it known that your a home daycare because most parents want their kid in a fun but a more home familiar scene. make sure you have the right papers for the parents and if you employ someone make sure its the right papers. Goodluck. Also watch videos on youtube on what to do. Like i would watch the process on how to start a home daycare up and the day in the life of a daycare teacher to get ideas. Sorry if there are miss spelled words i was in a rush but remember research is key.

[@jamie49868]

You can take in a kid or two without all the paper work. You can come out ahead $10-15,000 per year. When you make 30k, that 15k is a 50% increase...and that is huge.

[@k.j.krimson2590]

She doesnt have to be licensed or registered. Granted she wont get paid as much until she does but she can get all that done later when she saves up. There are alot of great babysitters who are not registered or licensed and they are great options.

[@bryanw4582]

This title should have read: “barely making ends MEAT”

[@GuillermoRodriguez-gu3oq]

Lol

[@BalancingLife360]

Lol

[@Miguel-USMC]

🤣🤣🤣

[@jeremywilliams1677]

meet*

[@bryanw4582]

Tektonik 7.62 - WOOOOOOSH

[@benny_7879]

Dave has such a big heart and I applaud him for his compassion and willingness to help others. Thanks for what you do sir.

[@donaldlee9992]

I'd love to hear a follow-up in 1 year.

[@skeptical_sorcerer]

They will be in exactly the same position

[@citygurl0105]

Really? How so??

[@neyssa4400]

That's a little harsh, don't you think? People call in the show because they WANT TO CHANGE. We can't predict that. I think they can change. They just need to have some hard conversations.

[@Michael-qs1yd]

separated or divorced if the husband doesn't get serious

[@jamie49868]

Neyssa People know what needs to be done. I don't know why the call the show. Your advice, my advice and Dave's advice will not be substantially different. Couples I know who have young children often take in a kid or two during the week. Take in 2 kids at $150per and that is $300 a week (you can even make that tax free, wink). $300 x 52 = $15,600. When you make 30K that 15K is a 50% increase...which is huge.

[@sunshinebaconandmusic416]

Sending this sweet lady a virtual hug! Everything is going to be ok. I pray they are in a better situation now!

[@Eagles.Fan.Since.Super.Bowl.52]

Don’t work harder. Work smarter! -Jim Rohn

[@yayyareaa2997]

Eagles Fan Since Super Bowl 52 yep

[@TheJDaze]

Explain what you mean by "work smarter"?

[@dash4800]

Thats idiotic, you need to have a talk with Mike Rowe.

[@rosen380]

It would mean find a better way to do something, so that you can do more of it in the same amount of time [or less], rather than doing more by spending more time. For example, I have some counterparts who will build some data to produce a report for one of our ~80 markets. The report gets around to other markets and they'd like it to. My counterpart spends 30 minutes end-to-end for the one market and starts adding more, until they get to 8-10 markets and are spending most of their day on it and don't have time for the rest of their job. Then these things usually find their way to me and I build some automation, that collects and processes the data, generates the output report and either saves it to a share linked on the Intranet or emails them out to distribution lists. When it's all said and done, I probably have a couple of dozen hours invested in development and QC, but the automated system can churn out all 80 markets in under an hour. That is working smarter rather than harder.

[@Muaythaifighter1000]

They're working hard in the wrong direction.

[@benthomes7828]

This call was very refreshing to hear. A wife of humility who loves and respects her husband despite their struggles. Prayers for them.

[@mountmeron267]

We need more men in America like this spirit of Dave. Train all men Dave.

[@jvaldez5]

Breaks my heart to hear this caller. I truly hope they have their just reward for working so hard.

[@Melody_On_Pawz1]

Is she working hard ? She has no job . Yes we all have children but she needs at least a part time job to contribute to her family

[@Melody_On_Pawz1]

@@jie814 no she did work at the library, listen to it again . It wasn’t good enough for her , listen to it again

[@diannhazelton9808]

This is actually the first video, that i personally related to. My husband and I are hard workers but didn't understand enough about finances. We now have short term goals to help is get to long term goals of better Financial Freedom. But when our income was so low and we were struggling it was hard to believe we could do it. Today being said I now have grown children that can help babysit while we are working. My husband and I are currently bury working multiple jobs. to increase income and has some control over our schedules for family time. Glad to hear her say her husband would do anything for her if the work together. They will go far! Blessings to them and their family.

[@badbeatbilly8997]

The struggle is real

[@lilolme69]

Why?

[@Melody_On_Pawz1]

Especially when you have no job then get upset when you are broke . Yes she can get a part time job when her husband is off

[@fishsticks850]

Dang it Dave, I love hearing you build good people up and steer them down a better path.

[@neyssa4400]

Such a great call! I'd love an update a year from now. They have a great work ethic, just need a goal and a plan. :)

[@WildBison74]

Neyssa would love an update too!

[@Uhhlaneuh]

Someone said she should take in a kid to watch per week and she would have an extra income

[@Melody_On_Pawz1]

Neyssa She has no work ethic , she quit her job because she only made 30 to 40 a day after childcare. Wasn’t good enough for her so instead she has no job and feeds her family garbage

[@elninostorm]

@@Melody_On_Pawz1 Man you really hate this woman, seeing as how you're spewing your toxicity all over every single comment I've read.

[@pep590]

It's a year later now....I wonder too.

[@jamie49868]

It just occurred to me that she could go work for her father and become a butcher. It's his shop, he could train her. That would allow the husband to seek a better job. It's her father's shop for Christ sake. The husband could work part time on weekends to help out the shop, and find an equal if not better paying job. Now they are making $60,000 + what ever the hubby can earn on the weekends in the shop. There will be maybe some childcare costs depending on their hours, but in a few years those cost would come way down after the kids start school. Sounds like a pretty good solution all the way around to me.

[@rosen380]

@Sona Falk $1k per kid per month @ $60k per year, so I assume five kids? And five kids all roughly under 6 that need paid care all day?

[@Melody_On_Pawz1]

Definitely doable, she has lots of choices. Single parents make it every day . She could even work a couple of nights or days a week when he’s off

[@Melody_On_Pawz1]

Child care isn’t 1000 a month per child in the majority of places . And it drops for over one year olds .

[@surplusdivision2461]

Stephanie if you read this a few miles from Evensville is a town called Newburgh Indiana. There is a store called Traderbakers. They rent booths for $160 a month. Go to auctions and buy what goes cheap. Keep your booth packed. Mid summer is the slow time, but you should be able to do at least $400 a month per booth.

[@loriholsomback4892]

Read the book boundaries. This will help you in your relationship with your parents.

[@starpointstudios]

Do you mean "Boundaries" by John Townsend & Henry Cloud? If so, that is a FANTASTIC book to go through. I learned a ton of info about boundaries. When to say yes, how to say no, etc...

[@ElaineLoyd]

I love kind and compassionate Dave

[@bigroy38]

Bless her heart!

[@marryb7885]

I use to work harder one full time job and two part time. Really didn’t save much. I went full time trade school and work graveyard shift full time for 4 months. now I’m making more than all three jobs I did before. Just work smarter.. now I have extra money to save.

[@fergusonto-2032]

I’d like to hear a follow up on this to see how they are doing now .

[@thomasarnoldcoe6527]

My favourite Dave Ramsey Moment Saying “Who’s Up?” Then wincing. Dave Ramsey was all of us in that moment.

[@tiffanykyer]

I remember when I definitely didn’t even have $100 left over...

[@f_r_e_d]

How's life after lockdowns etc?

[@chineseslaves1971]

I like how she gets to the point. People don’t realize when you don’t you lose the interest of others while trying to gain too much.

[@vitiligogirl1037]

I think her and her husband just need encouragement more than anything..But, they can make it work..

[@JP-wn4jn]

Agreed

[@jamie49868]

Sure encouragement is fine. How about a practical solutions? Take in a kid or two during the week since she is home caring for hers. That could mean $150 per kid per week could make them $15,000 extra a year. That is a lot better than a pep talk. You can't eat "Go get 'em tiger".

[@ConradOMalley]

jamie t - Your right. Plus for some reason Dave forgot to ask them about their 401k’s. They need to double their income.

[@Melody_On_Pawz1]

She needs a job even if it’s part time around his schedule

[@Uhhlaneuh]

jamie t that’s a good idea

[@Divested_Jedi]

God bless you Dave for talking to her. Seriously....she needed this. God bless you and God bless them too. It breaks my heart that she is going through this especially with a child...

[@Cahluvca]

The title to this video applies to so many in our country!

[@Melody_On_Pawz1]

Well she’s not working so unfortunately it would definitely apply to anyone without a job . Yes she has kids but so does everyone else . Yet it requires two income today to get the bills paid

[@riverdaletales8457]

@@Melody_On_Pawz1 no not necessarily one good paying job can support a family

[@Melody_On_Pawz1]

Riverdale tales Depends on the area , how many kids , many things but more times than not , it takes two working in today’s economy.

[@alp.9672]

Pretty much why UBI is in discussion and this comment was a year ago look how bad things are now...

[@magicworld3242]

If she puts the same energy into getting another job, that she puts into crying. They won't be broke anymore. This woman wants to be treated like she's still a baby.

[@yellowbird5411]

She can help finances right away by starting her own house cleaning service. Here in Florida, which is very low wage (construction = $12 hr), house cleaners and "companions" (shopping, transporting, cooking, light housekeeping) get $20-$25 per hour all day long. She can schedule her own hours, turn down any jobs she doesn't want, and in this area, you don't even need a license or permit. The women (they are all women) I know who do this stay booked with work - more than they can handle. If you can clean, cook, shop and do laundry, you're good to go. Advertise with Craigslist, your local flyer, or local home health agencies. Post notices in your laundromats. If you get into an apartment building with seniors, you are home free. She can work in the evenings so he can watch the kids if she wants, or on his days off.

[@thepanafricantv]

This brings tears to my eyes when she breaks down! Toooo real and relatable

[@PriscillaPretzley]

Bless her heart, they really are trying and starving to death. I hope and pray they're doing much better today.

[@jeremywilliams1677]

$1640 a month for 2 kids in childcare here in Indiana where I live.... not affordable for the blue collar worker.

[@chriscube2362]

About $2,000 a month in Virginia. Ridiculous. Keeps us with a single income

[@jeremywilliams1677]

Chris Cube we are single income as well

[@karenhardie1132]

@@chriscube2362 That's what we pay in Wisconsin too. 2 grand a month for 2 kids. We worked opposite shifts.

[@stephaniep1761]

Why I hate America

[@mystorymylife9998]

I would suggest getting a side hustle. I did Ebay one year and I made $25,000 part time. Start a side business like mowing grass, paint, pressure wash , eBay , house cleaning. There are endless opportunities to make more money.

[@veronica-c8199]

What did you sell on eBay?

[@mystorymylife9998]

Veronica C went to yard sales and goodwill and bought anything I can make money off of. Coats 🧥, 👞, shoes , all kinds of stuff

[@veronica-c8199]

Don Abraham - Thanks for the info.

[@barbellsamurai8014]

@@mystorymylife9998 you made 25k a year selling second hand junk on ebay? I will take things that did not happen for 500

[@Melody_On_Pawz1]

Yes she needs a job

[@whatwouldpicarddomakeitso2581]

Wisdom and compassion...the best type of human.privileged to of found you Dave.

[@maxflight777]

This is worth watching. I respect Dave’s responses and guidance here. He is right.

[@nw8000]

Thats the kindest I have ever seen Dave

[@tonyxtrotter]

Dave is so good at being sensitive to situations. He’s so good at being tough on people that need it & he’s good at being compassionate to people that need some love shown their way. He’s not just rich, but he’s wise; and that’s the reason he’s rich

[@cacsoccer101]

I love how compassionate Dave is. He doesn't sugar coat it though.

[@Kirito14682]

Hard work doesn't mean anything in this world, only results matter.

[@Melody_On_Pawz1]

Jerry Wong Well it requires two hard workers , unfortunately both parents have to work now days

[@emailme6785]

Thank you Dave. Sometimes people just need encouragement & a reminder that helping other people at expense to your own life plan, is counter productive & unsustainable long term. I really needed to hear this video!

[@victoriagarcia5533]

They need to research careers and cities where they can flourish

[@brightpage1020]

Victoria Garcia we are planning to move out of star too for this reason and are saving up to do so.

[@AnaxofRhodes]

Arizona's always cheap.

[@Melody_On_Pawz1]

She could start by getting a job . Not many people can make it off one income now days . And she can work part time around his schedule

[@skywatcher7838]

Stephanie, after you and your husband talk,sit down with your parents,and just explain things to them. Hopefully they will be understanding, and hire someone that your husband can train before he parts ways with them. It will all work out! Prayers for your family!

[@barbjefferson2069]

Sounds as though he needs to go to a trade school. In our twenties with two children & while hubby was on unemployment/me babysitting to make extra money, my husband finished a trade school for HVAC. It was rough for about 2 years til he graduated but it was the best move we both ever made for our family.

[@Teamshmo]

I have known a lot of people who work super hard and have nothing. That's why people say work smart not hard. However, if you work really hard at working smart is where you will become super rich.

[@aw8758]

Wayyyyment husband in the national guard?🤔🤔🤔🤔🤔 go back to school because school is FREE for them and get a better job from there !

[@ErrorPagenotFound-ig1cy]

a w free? You mustve never served. FREE... GTFOH

[@theuscivicsnerd7070]

Nope its not free. Depending on what state you are in and what you do in the Guard it can be well subsidized, to an extent, but not free.

[@lilolme69]

He doesn't really have the will. He is a what ever type of guy is what she said. Not really interested in trying to get ahead, just interested in going to work tomorrow and working hard. It's a shame.

[@nickinsanebane]

Yep it's called going bootstrap

[@logandavis954]

The Guard paid for my police academy, I’m grateful for that. Now I’m making 65K per year at 24 Y/O

[@fhuber7507]

Father-in-Law is taking advantage of Son-in-law and not thinking about the harm he is doing to his own daughter.

[@DepressionTalks1]

I'm truly rooting for her

[@LOLA-kr7vn]

@daveramsey where is this couple now? I'd really love to hear how they are doing. Please do a follow up with her. She has won our hearts.

[@M1MEDIA]

Seems like the husband doesn’t have focus, plan or goals! Seriously he’s got his head down plugging away not stopping and looking up to see what’s going on around him and seeking opportunities. So many ppl live their life without goals! Set a monthly income goal and find the way to get yourself there.

[@jamie49868]

How about she go to work for her father and become a butcher, and he finds another job that pays equal or greater? It her father's shop for Christ sakes. The husband can help out in the shop a few nights a week and on the weekends. Now they have a combined income of $60,000 + what he can earn part time in the shop. I never want to fault a man who is working, that is better than a lot of people I know. Looking for a job requires time and effort, and when a man has head buried in his work, it's not always an easy thing to do.

[@ItsNotAllRainbows_and_Unicorns]

He is hoping by plugging away things will resolve themselves, which of course they don't. You're right, he needs to pick his head up and see what else is around. I currently work as a seasonal driver for UPS, and my goodness, people can get stuck in the mindset of just being just a delivery driver, since the money and benefits are good. But one just ends up as a delivery robot. and it;'s all based on seniority. IT doesn't matter how good you are, you have to bide your time. F that. Not good for someone who wants something more in life.

[@LillyAnnHouston]

Why is all the pressure on him?

[@HelenEk7]

*"How about she go to work for her father and become a butcher"* Where will she put the children?

[@mytube6538]

Problem is then who is raising the kids then? Some stranger? It’s bs that in America you have to have two people working full time just to eat.

[@thomasarnoldcoe6527]

Stephanie & Family YOU CAN DO IT!!!!!!!!

[@joeashbubemma]

One thing I've seen over 20 years of being and employer - people have their own ideas of what "hard work" is. Some of my guys threaten to leave and open their own shops in an effort to extort me for more pay,... have at it brother. If you're willing to work as hard as I have, you deserve every penny. Not ONE has created a viable business yet. Hard work = pain and sacrifice, two things most people hate. I don't care how "smart" you work, if you're not willing to suffer in the short run for long-term gains, you'll never succeed.

[@markporter2642]

I remember feeling exactly the same way. I felt like crying with her because I know that pain. I was in the Guard and making about $40K/yr. at my full time job. I wouldn't say I was struggling but I sure wasn't going anywhere either. Fast forward 10 years: I own my own company, just built my dream home, just bought a commercial property, and have $$$,$$$ sitting in the bank. You can do it too. You just have to have a good plan and then execute that plan.

[@xxLadyPanther30xx]

If he’s National Guard, he should check out temporary assignments or go Active Duty and see what type of bonuses they offer.

[@colin1818]

I'd love to hear a follow-up on a call like this. This sounds like a good woman and a good family. It's been almost two years since this call. I hope in my heart that they're in a better place financially today.

[@5thdimensionliving727]

I really feel for this lady’s plight. Life becomes really unfair when hard work and long hours are not always commensurate with good pay. Something not right there. I hope this family can work through their financial woes and achieve a more stable position as they wholeheartedly deserve it 🙏🙏

[@MrFuzzyscreen]

I love to hear these stories bc it makes you aware of the situation many people are going through and ask important questions like what you want to do in the future. Thank you for sharing!

[@jamesmccloud4122]

Her husband needs to look into becoming a AGR Soldier There are the guys that stay at the unit All month long and get paid active duty pay It's like being an active-duty Soldier without being in the big army you go to unit everyday and do simple task Whether it's inventory or working in the motor pool Look into it

[@lisamuchi8764]

I like how Dave Ramsey gets you thinking not just about Finances & Saving Money; but continuing to have goals towards being a high Achiever; without getting A good education & living within your means; you can't hope to increase your income unless you start a Business or get educated; & continue to create personal goals towards success!!!

[@Mr1Musiclover]

I didn't hear Dave mention it nor it said in the comments. The husband has been supporting her and the family since he was 18. What does she do? Does she work? Is she bringing in any money?

[@maryangelica5319]

She works at the library, but most of her money is going to childcare.

[@andreycham4797]

she is too busy with poping new babies for which her husband does not make enough money working for her dad

[@Melody_On_Pawz1]

Mary Angelica No she did shortly and quit because 40 dollars a day after Childcare wasn’t enough for her ! She obviously doesn’t need money that bad . Sad she’d rather watch her family suffer

[@benvasilinda9729]

I spent 10 years in the military and my wife did all she could to make my time in the service difficult by overspending, especially while I was deployed or out in the field for extended periods of time. This guy has a good wife that actually cares.

[@enigmathegrayman2953]

This is deeper than a income problem, this is deeper than a debt problem, there is a serious problem with our economic system and the overall cost of everything so high that it is killing everyone just to be able to afford to live below average. THATS UNACCEPTABLE!

[@bigholliday74]

Marcus M. Facts

[@JakariJordan]

It's just an miseducation issue. Out pace inflation, stay out of debt, minimize your taxes by law like President Trump said and invest! It's a money game.

[@glassdude6996]

Absolutely true my friend

[@jamie49868]

What does average mean now days? A newer car, the latest iPhone, 80" tv with satellite, super computer with wifi, Air Jordon's, Nike gear.... Lot's of things that eat your money, that you can live without. Just saying!

[@patrickchester7138]

Not true. There are plenty of jobs that do not require college degrees that pay between 50-100,000 a year. I am a high school drop out with a GED and make 60k a year and in 4-5 years will be making 100-140,000 a year. Do research on potential jobs that you're interested in. College degrees don't always mean more money, there's a nation wide shortage of skilled trade work that don't require experience or degrees. You can make it in this world with some heart, a hard work ethic, and some drive. Just my 2 cents.

[@davidjenn1162]

So glad to hear this advice as my husband & I are in a similar situation

[@RMalai]

I like the people on the comments section as well. like minded and understanding good people. hope there is some relief in her family. I dont know if she would be able to see this youtube video and read the comments below. may be the people in the comments section can help her. seems like a good couple with kids. God please show some mercy on them.

[@Lastochkad]

I have friends, she works from 5-10 am online teaching Chinese kids English. Dad takes kids to school, she picks them up. He works online from 1-10 pm, it saves them lots of money for daycare.

[@DelicateJewel]

This is wonderful advice.

[@AfroSunGoddess]

Praying for the both of you to win! I hope things have turned around. I believe they have

[@angiemarie1667]

Work part time, stay home with ur kids unless ur able to afford babysitting... it’s like ur working just to have someone watch ur kids

[@cassteaelle7460]

Totally. Some people are saying it's dumb of her to leave the 30 bucks per day job, but to me, 30 bucks a day is NOT worth the trade off of putting your kids with someone else all day. Unless you're on the verge of being homeless or something.

[@riverdaletales8457]

To be honest it falls on her she needs to get a good paying part time job I would recommend Amazon she can bring at least 1k a month and still take care of the kids .

[@CapeCodBelle]

Why aren’t her parents paying him more money?!

[@YouTubeUzername]

Why is he working there? He can find another job whenever he wants.

[@slouischarlesYT]

They or she need a new trade. Study something at night for a year or 2. Tech or medical is a great in demand field. Sales with a base pay plus commission is also a good option.

[@Melody_On_Pawz1]

She has no job so any job would help

[@TonTreyMarc]

@@Melody_On_Pawz1 no, not any job...believe me. I have taken "any" job before and when it is not paying enough it strains your pockets and your household worse if you just took extra time to think out a specific plan and job field. When I did that it made a HUGE difference.

[@Melody_On_Pawz1]

@@TonTreyMarc You have to start from some where . It’s not going to kill her to work two nights a week and dad can watch the kids to be able to provide decent food for your kids .

[@Melody_On_Pawz1]

@@TonTreyMarc I’d also say not having decent or enough food causes so much stress on a family

[@TonTreyMarc]

@@Melody_On_Pawz1 you definitely don't know

[@KCKnowsBest]

Wow, God Bless this couple

[@acebragg5559]

Maybe dad needs to pay the husband more money?

[@AnnYT2]

Living on one income is hard, I'm a sahm but I make things to sell and have a strict budget. Our food budget is only 300 for 5 a month. We are slowly paying off but all we have left is our cars. Me and my husband are both in school, a degree for him means more money at his job and I should be done with my degree by the time our youngest is in school than I will be off to work as well. We have goals and a plan and so far it's going in the right direction.

[@LillyAnnHouston]

Hummm....I’ve worked 3rd shift to avoid daycare, when my husband worked days. It wasn’t easy, but possible How r they starving? He’s a butcher!

[@Melody_On_Pawz1]

Yes me too , I’m not trying to be mean but it’s hard as a mom sacrificing time with your kids so they are taking care off then listen to I’m broke but I have no job and can’t work

[@cmugurl2840]

It’s not always that easy to make more money. Even people who work at Dave Ramsey’s company make around 30k. It’s rough out there.

[@johnwellman4170]

Wow that is not much at all

[@strikevipermkII]

Especially in Evansville.

[@nobad6134]

It depends what stage you are in life. 30k a year for a low to medium skilled worker who is single is good money. If you are trying to take care of a family obviously that isn't enough. At a minimum, your household should be earning around 55-60k to manage a family of 3 comfortably.

[@cmugurl2840]

Oliver Marawueke and that would be great, but there will always be a need for janitors, butchers, day care workers, etc. I have a bachelor’s degree and when I interviewed for Dave Ramsey’s company they said the pay was 30k. Not everyone can make 60k and it’s sad but it’s the truth!

[@nobad6134]

Yes and not everyone should start a family or sign up to take care of a wife if they aren't financially secure yet. People can do whatever job they like, but it has to be valued enough by the market economy to be worthwhile in order for you to earn a decent living. All these menial jobs are getting more and more automated. Skilled day care workers can make a killing though in all these cities with high childcare demand.

[@raveenjohnson728]

I feel like all the pressure is being put on him she needs to find a better paying job as well having kids is not an excuse. They both need more income they also need to apply for assistance so they can get free or low cost child care until they can get on there feet

[@journeywithluvhurts1252]

Raveen Johnson I so agree I just posted s comment asking if I’m wrong why do people decide to have kids when living pay check to paycheck then complain (didn’t use complain didn’t want to be rude).

[@danielleavila110]

Then they'd be living off the system. He is the head of household, the man. It's his job to take care of the income. It's his responsibility to provide for them and it's her responsibility to care for the home and the children. He needs to work for someone other than her parents. He should also take advantage of the gi bill and get paid to go to school. That will not only supplement the income, but he then lands himself a career where he make 60k+ per year and is able to have a life.

[@Loveroffood41]

Well as someone who gets disability and is on government assistance I would not suggest that she do that because once you get on government assistance it is very hard to get off of it because of something called the cliff effect.

[@Jdb63]

@@danielleavila110 Feminism would like to have a word with you

[@felixfelicius7330]

danielle Avila What a backwards attitude to have. I feel sorry for your family.

[@danktankdragkings7117]

This is where we are at. Please talk about this problem more. We've been Dave Ramsey fans for 4-5 years. Still in step two because it took us 3 years to realize no matter how we cut it we have an income not outgo issue. (Due to medical necessity raising our min requirements).

[@valev5705]

Work like a team... Wife morning shift 5am till 2pm husband 3pm till midnight... Even if wife part time 4 days it will create extra 💰...

[@brightpage1020]

vale v thank you. I appreciate this as practical advice. Thing about cutters is, you’re always on the company schedule and from week to week the shifts might differ greatly. My hubs has been in this and grocery management for many years - just the nature of the beast. I’ve been looking to work from home and create opportunities around that flexible schedule. And there are some and we’ll make it, but...

[@brightpage1020]

What I mean is, some days he opens, others he closes, some days he’s split shift, and others he’s mid shift. We live in a tourist area so the hours are cut back or beefed up depending on the time of year “in season”... it’s a bit of at the mercy of the corporation but we are finding ways to manage and work around that. Writing, walking dogs, washing cars. Every $20 helps...

[@LaDeeDah]

My sister works 4 am to 12 pm her husband works 10 pm to 7 am. It's exhausting for them but they have 4 kids and that's the only thing that works.

[@arthrodea]

My aunt and uncle are nurses - they have managed to work different shifts so that one of them was always home with their daughter (now a teenager).

[@williamwallace1385]

vale v so its not even really your wife you are pretty much single at that point except you cant get laid or live the single life because you are in a relationship uet never see your part er

[@katemedley3057]

This woman sounds like a sweetheart

[@joshuar2429]

Most emotional and realistic challenge faced...

[@Melody_On_Pawz1]

No she’s not even working, it would be if both they were both working. She can get a job on his days off or work nights .

[@cynrodgers4318]

Awesome advice Dave! You are amazing! God bless you Sir!

[@michaelmarquez6133]

I had a friend in the national guard they gave him grants or whatever to go to school this dude has tons of opportunities

[@samiragrbovic2964]

I will do everything to live a life where I won't cry because of missing money🙏🙏🙏 Here is Ramsey to help..THANK YOU MILLION TIMES for motivating and awaking me,and hopping many others💗

[@THEAR15ONA]

I feel for this girl and her family. Vulnerability like this on a show is actually a beautiful thing. I wholeheartedly believe that they can make it work. BUT what matters is if they believe it. I know this is not a solution specifically, but I would recommend continuing your search for knowledge. She says she is reading his book- and that is great. When she finishes this one, read another one- work on personal development and the money will work itself out in time. Watch Tony Robbins, Jim Rohn, Tom Bilyeu, Ed Mylett videos or podcasts and YOU will begin to grow more. You will be amazed at how much different they think than "average" people. When you begin to think differently, you will find opportunities others do not see. All of that being said- Dave is right, and I hope her and her husband can find the solution with more income. Keep your head up!

[@Dreamer-by4nk]

I understand her stress as when I was raising my daughter my self with no help. 25. A week left over for groceries. I worked every weekend for overtime and mowed lawns on the side for years. Very hard but I did it with no assistance.