We Don't Have A Lot Of Money Left At The End Of The Month

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[@j0yfulblessings]

I stay home with 3 kids and my husband makes less than them. No amazon. No subscriptions. Negotiate your phone bills (own/pay as you go type situation is best) Negotiate internet, go "down" on quality of internet Negotiate insurances. Only have 1 vehicle (take hubby to work or have him carpool if you need it for apportionments) Grocery shop for pickup, stick to budget, 1x a week max. Meal plan around sale items at your cheapest grocery store. No eating out. Cook from scratch. Turn your a/c down and off as much as possible. Hang dry clothes Keep house cooler in winter. Only buy 2nd hand clothing or clearance at end of season. Budget and pay your savings/sinking funds FIRST. It's doable, people act like making more money is the only solution but as a sahm you can be the budget QUEEN! If you cut $10/day out of your lifestyle that's already an extra $300/month.

[@38NDY]

I love it!!! Why is this so hard for people. They will envy you later.

[@ronjab4586]

This. Same here - love all that breakdown on how to navigate being a one income family. It is always a choice to either lower your expenses or increase your income and with more than one kid in the current state of childcare costs, it often isn't even a choice anymore because with most jobs you'd just pay for childcare and costs related to increased income (higher tax, transportation costs, etc). I'd also add free activities and events for the kids - so many spending so much on all kinds of activities for their kids when there are parks and libraries with free arts, crafts, stroytime, concerts, etc. The only thing we pay for in activities is for Christmas as a family present a Zoo membership which pays off after just 2 visits. And we took it further and even moved in an apartment across the street from my husband's work place. So it's easy with one car and despite working 60 hours (he's on Comission, so always better to work more hours than a second job) he gets plenty of time with the kids. He always says how much more relaxed work is now that there isn't an hour to and from work commute involved. After our first was born my husband stayed home with her since I made better money than him - during the pregnancy with our second, he started looking for a better paying job since for him personally it was clear, being the working parent is way easier than being with (now 3) little kids at home, none school age yet 😂 I have relatives who are so envious of me staying home with the kids who struggle so much when they try and then are mad at me when it doesn't work for them but they are not willing to make the sacrifices that it takes nowadays to stay home with the kids on a single income (e.g. rhey claim they cannot get their grocery budget below 1000 despite buying expensive bottled water, having 2 cars leasing no less, so they will forever have payments, 5 (!) full price Subscriptions, date night with restaurant once per week, therapy 3 times per week between both of them out of network, monthly hairdresser appointments for both of them but then struggle to buy shoes for the kid when they outgrow a size - it's insane that they think they can make it on one income that way, we didn't spend like that even when we were both working pre-kids)

[@ldv02]

Totally agree! We did/still do the same thing. We learned to “sacrifice” here and there and few years later I’m still home with them, homeschooling and we love it! We even moved to another state so my husband could make more money and we could contribute more to retirement accounts. But at the beginning he was making so little money and we have always made it work. It’s so worth it to raise my babies myself. ❤

[@mallaryfrierson7407]

We are Christians so we believe a woman should stay home??? WHAT!?! Who raised this woman to just get married and develop NO SKILLS to care for herself? What if her spouse isn't here next month? I hope she raises her own daughters better.

[@joypeaceandhappiness1501]

She's certainly not a help mate

[@jtjaf5336]

No shot she raises her own daughters better based off that conversation

[@kelly4618]

What if he leaves her like many men (including Christians) do? He could die! She has no plan.

[@azera55555]

After living in the south for ten years, I am not surprised at all by that closed minded backwards mentality

[@bev7236]

The Bible clearly does say that and it has been the norm for all time for women to be keepers at home until the past hundred years. I think God knows better than me and so I trust in His Word and for 20+ years it has never failed us. Most women say it's impossible today because they're full of covetousness and spend excessive amounts of money on themselves bankrupting their family. Titus 2:5 1 Timothy 5:14

[@marquesrayford5906]

This whole idea of having no marketable skills/career transferable skills is dangerous. Heaven forbid he got sick or disabled and couldn't work, they'd be destitute. A wife should have a backup just in case. If he died life insurance only goes so far. It's ridiculous. She should get some certifications or a degree that can sustain them if needed.

[@kenyattaknox5163]

Yeah, her not having marketable skills is not even scriptural. Proverbs 31 actually says the opposite

[@janetmccoy7945]

The whole point of life Ins. Is to cover the breadwinner’s income.

[@GuitarGuy650]

​@@janetmccoy7945 Yeah, because insurance companies are always known to be 100% honest 🙄

[@ShrandaM]

👏🏾👏🏾

[@weirdnomad8868]

They need life insurance that's for sure

[@tduck828]

People should realize BEFORE they have kids that they need a plan because kids are EXPENSIVE!! Why would you not plan for this??

[@ykook7000]

Because people are selfish and entitled and think they shouldn't be criticised for having children they can't afford...it's pathetic

[@Tunechi65]

​@@ykook7000 well she's a Christian so apparently you're not allowed to work or have any skills due to the religion😂

[@adrianelias2365]

Because of Sex!

[@kirapoodle]

Because babies are cute

[@joshuawilliams6153]

I hate when women that are stay at home wives say they don't have skills. You can master budgeting that is a skill, managing a household is a skill. Help fix his resume, find a better paying job, etc. Housewives are a priceless to be honest, just have to think outside the box

[@desimo147]

This is Dave at his best. Gets right down to the root cause of the problem and gives fantastic advice. Hope it works out for this family.

[@curiouscat3384]

I'm sure he made her feel better with his excited encouragement. I felt excitement in my heart just listening to him. Can't wait to see her family when they do the debt free scream!

[@curiouscat3384]

I'm sure he made her feel better with his excited encouragement. I felt excitement in my heart just listening to him. Can't wait to see her family when they do the debt free scream!

[@Tyrisanders]

“Selling so much stuff, the kids think they’re next” 😂😂😂😂😂

[@Mitzi73]

The key to budgeting is to anticipate and save for those intermittent expenses that don’t happen every month. Sinking funds. If you don’t do this you will always be behind.

[@jameshorton3692]

Agreed, I have a checking account just for prorating expenses (like various insurance, HOA, property taxes) each month. Stuff that draws out of that account may as well be a monthly expense bc I treat it that way. That way they can’t wreck my budget, and my emergency fund is truly for emergencies.

[@SevenHunnid]

i listened to andrew tate & started following my dreams.. now i do food reviews on my KZbin channel 🤔

[@KennTollens]

The $1000 emergency fund.

[@donaldlyons17]

They might have an income issue not a budgeting issue. In people make too little budging can't save them.

[@Mitzi73]

@@KennTollens The Emergency fund is not for intermittent expenses but for emergencies only.

[@jakem6076]

A little sad that she doesn't see herself having any value. I wonder who told her that. I get the stay at home mom thing but she could definitely get a part time job to take stress off her husband at the very least.

[@dp4kallday]

According to her, Christianity tells her to stay home with the kids.

[@PresentsOfNature]

@@dp4kallday NOT sure who told her that but that's not the correct application, no job outside of the house is...I can see that but proverbs 31 specifically gives instructions on how to be of help. Not to mention Titus 🤦🏽‍♀️. She is of value, she has value...this is a misconception on her part.

[@dp4kallday]

@@PresentsOfNature it's all interpretation really. Maybe that's how she sees it.

[@conquistador2]

@@dp4kallday Jesus told her?! Lol

[@jimmymcgill6778]

@@dp4kallday Well the whole fake book is all interpretation.

[@icestationzebraassociates2460]

The easiest thing she could do: watch someone else's kids. She already has a couple. What's a couple more. If they're around the same age, they tend to entertain each other. Instead of paying for daycare, she can BE the daycare and make a couple hundred extra a week just from that. Doesn't have to be a formal thing or anything. My grandma did this and made a very good living doing it. She used to pay me to help her over the summers.

[@pmeehan_3]

These days you need a license and all that stuff.

[@icestationzebraassociates2460]

@@pmeehan_3 No you don't. You don't have to be licensed.

[@pmeehan_3]

@@icestationzebraassociates2460 In NY you do.

[@SweetThing]

This is Not the easiest thing she could do. Do you even know what you're talking about? Being responsible for someone else's children is a very important job. She would have to have some kind of insurance to cover her if someone's child got hurt. And she would have to know CPR.

[@icestationzebraassociates2460]

@@SweetThing You do not have to have a license. I know this because I have done it, so yes. Thanks, Karen. Have you never hired a babysitter? Did you check her license and insurance first? I'm simply saying it's the easiest thing she can start without putting her kids in daycare.

[@janelleg597]

Lady....you're not helpless or unskilled. Watching extra kids is a huge opportunity for income...blessings

[@lionheart93]

good idea

[@donaldlyons17]

She does not need to have a license to babysit?

[@dietrichjoanne]

@donaldlyons17 , no she doesn't need a license.

[@matthewgardner2144]

@@donaldlyons17 Probably not in Mississippi.

[@XUrbanSimsX]

I picked up a daycare job and brought my son with me back in the day when I couldn't justify sending him to daycare and my whole check would be gone. So I worked at one lol

[@HizJohnnyShinning]

As a wife, I don't understand how you can stay home with the kid (which I know is a hard job and 24/7) BUT your husband is working 20 hours over what he should be. Why isn't she looking at jobs she can do from home? Like data entry, babysitting, whatever. I understand wanting to be a stay-at-home mom because it saves money on daycare, but not at the expense of your husband's health...

[@dashadynamite88]

I agree, something’s got to give or compromise.

[@goldengirl5887]

Thank u

[@criticalthinker1123]

*I think you are just bitter* *You care for her husband than she does huh*? Raising kids is more harder than her husband's job in most cases.

[@ThatsTheWayItGoes]

@Clara Solomon It’s trading one for the other. You’re suggesting she keeps her job of being a stay-at-home Mom AND taking on another job which is her working overtime too. All you’ve done is shift the health from him to her.

[@wallypoly563]

@@ThatsTheWayItGoes Yes, it's not like men live shorter lives, is it? You calculus is off. It isn't shifting health harming stress from him to her, they would both be stressed since he would still be working 20 hours overtime/wk until they get out of debt.

[@nancyceballos3775]

My husband makes the same amount. It’s doable, budget and really stick to it. Only difference is we have no debt. You can do this on one income and SAHM. And we do enjoy eating out and vacations. Budget is key!

[@donaldlyons17]

Even before kids a budget only works if the amount of money to at least break even is there. If they don't make more than enough to cover everything there is a limit to what can happen.

[@bev7236]

Exactly Nancy! $28 an hour is more than enough for a family in Biloxi!

[@TheDjcarter1966]

This is exactly what the Dave plan is for just hunker down and do it. Your job as the SAHM is to manage the house keep utilities as low as possible learn to be the lady that feeds five on $100 a week...no fun for a few years and you can knock this out.

[@sherrypiotterrichardson137]

Well said!!

[@ihaveadreamformykids4400]

I’m a stay at home mom with a part time remote job. I work when the baby is asleep and I get a lot of work done during this time. It makes saving so much faster. Good luck!

[@LVGirl4]

What is your remote job?

[@BlackGirlsOven]

What is your remote job???

[@bev7236]

Her religious beliefs prohibit that, so it's irrelevant what you do. Her husband makes more than enough anyway at $28 an hour, so this isn't an income problem, it is a spending problem.

[@AmarisKrisla]

Finding a remote job is hard. Everyone wants to work remotely. It's easier to say than done. Budgeting is the key. Biloxi,MS, is a cheap area to live, so it's manageable.

[@GuitarGuy650]

​@@AmarisKrislait's really not tho. Her problem is that she has no marketable skills. Pray that the husband does not become injured or go on disability...

[@misspimake]

Yes, there’s definitely many things a stay at home mom can do to save money. Making your own bread, which cost next to nothing etc. People call us ingredient family because we make a lot of our food from scratch. I was a stay at home mom for 17 years and budgeting is always key. You got this!

[@wallypoly563]

Twenty years or so ago, I had a bread maker machine. Don't remember how I got it, but that's neither here nor there. I just remember that it was definitely more expensive to make my own bread than to buy a loaf. I can't understand how you make bread cheaper than you can buy it, unless you were buying gourmet bread. However, you've discovered that we can live comfortably and have more clarity when we back off of professional consumerism.

[@dietrichjoanne]

Store bought bread is cheaper. You can buy a loaf of inexpensive bread for $1.

[@GuitarGuy650]

Flour, electricity, gas, yeast, time.... just go buy the discounted $1.50 loaf 😂

[@dougholdem2898]

"the two of you resetting your minds", is truly the first step. Both people need to be on the same page and it is a mind set.

[@donaldlyons17]

No they seem to have an income issue. Making 60K and not having much should be obvious. Some people making 60 in my area live with a spouse who also makes 60K so no they could easily have an income issue. My neighbors care about their stuff so to me they don't seem rich because rich people don't need to care they can just buy new stuff.

[@cathy7824]

She could get a job at a daycare and take the youngest one with her while the other two children are at school.

[@dianawilliams8801]

Not for free she couldn't

[@adamseidel9780]

@@dianawilliams8801 you’re right, they’d be paying HER

[@dianawilliams8801]

@@adamseidel9780 yes but they won't give her child a free place will they

[@rachelrivera2997]

Sadly it isn't that simple. A family member of mine applied to MANY daycare/childcare jobs, and almost all of them said they would charge for her to bring her kid(s), making it not really worth it. Working hours for pennies basically. She was lucky to find a childcare spot at a gym that let's her kid(s) come for free, but it was very hard to come by and it's minimum wage. Sadly it's a VERY rare find to be able to bring your kids for free, if your area even has anything.

[@cathy7824]

@@rachelrivera2997 we have a family friend that is a janitor at a private christain academy. Her son attends the shcool for free because of her job. It is very possible.

[@princesskimby]

She definitely could babysit, after school care for other moms. I did that with little ones and parents loved my in-home daycare more than big daycares.

[@queenbee3647]

I had five kids I watched five days a week and earned over $1000 a month. No travel expense. No work clothes needed. I worked nights and weekends in a laundramat all while having a high risk pregnancy. I saved that money to help us pay bills once I gave birth. And it came in handy! We had alot of medical things not covered by insurance. Work like the worker ant when you can and put aside for the rainy day. Cuz eventually it will rain.

[@colleenduffy1139]

@@queenbee3647 She's a homeschooler which is part of the problem, unless she could take in other home school students. Makes it a bit harder to combine with reg child care. Personally I'd put the kids in a normal school and get a job.

[@christinebutler7630]

@colleen duffy school depends on where they live; if the school district is subpar, and most are unless you live in a truly ritzy area, they'd have to move (defeats the purpose, since they'd have a higher mortgage payment) or keep on homeschooling. Private school for all those kids is likely not an option.

[@alannaalbritton381]

That’s what I’m saying! She can do something

[@not-even-german4892]

Absolutely

[@kevinrehberg8758]

Have your husband take his lunch to work... Make it with flair so that his co-workers are envious... Then let him tell them that you could make theirs too... for a reasonable price... So what if it adds another 15 minutes to the task of making lunch.. three extra lunches a day does add up in the week... Just make sure he brings the fees home to balance the cost

[@jeffkline9191]

Great idea!

[@justinallen3037]

This right here!

[@nicholasselke5214]

Without the licensing and ServSafe certifications, this would definitely be illegal

[@alanmccarthy4004]

I really like how Dave put onus on her as a wife to step up and take the brunt of this. Sometimes Dave can place too heavy standards on a husband. But I agree here: he's doing 60 hours a week. That's 1.5 jobs. She's a fulltime mother. That's 1 job. She can find 20 hours a week to become a budgeting, couponing, thrifting queen. There's a great future for this family!

[@petersimpson633]

truth!

[@shumatsuopost]

Just make sure that you budget everything properly and you will be good for the rest of the month!

[@PatientlyUnearthed]

Just started our Dave journey (documented on KZbin) on November 4th. This was a great push to keep going!!!

[@evelynherrera-gonzalez1474]

You are changing lives Mr.Ramset, god bless you.

[@marymccann6110]

There is nothing un-Christian about having marketable job skills.

[@SamuelBSR]

I would start with figuring out what the money are spent on. These little things need to be categorized and counted.

[@donaldlyons17]

How do they buy and not know what they bought? The only reason I budget as much as I do is because my income and expenses are similar otherwise I would not need to bother with it!!

[@SamuelBSR]

@@donaldlyons17 They know what they spent their money on but they might not know how much money is spent on each category of expenses. Which is necessary to start budget optimization.

[@donaldlyons17]

@@SamuelBSR well a different approach might help I still always think higher income has a better chance of fixing many issues!!!

[@SamuelBSR]

@@donaldlyons17 if they have spending problems, they should start with taking expenses under control, otherwise they will waste all extra money they got.

[@donaldlyons17]

@@SamuelBSR If it is a spending problem that sounds better than an income issue which I think is way more likely.

[@JavierID]

I’m so glad that Dave is back behind the helm of most of these call-in segments!

[@Albert12893]

Me to.not the same without him

[@Sarah33Kaufman]

Dave Ramsey is like a psychologist. He’s also psychic, he can read your mind! Go Dave Ramsey!

[@garrettshaw8161]

Death by a thousand cuts. It's similar here where I am doing better and better financially, but a number of small things here and there are causing issues. Got to make a list of what those are to deal with one at a time.

[@donaldlyons17]

You sure. They might make too little to fix their issue. Saving on the big things might save them but a lot of small expenses might not be the main issue.

[@garrettshaw8161]

@@donaldlyons17 just going off of what was said here, I agree with Dave's analysis that I didn't hear her bring up one thing, where if that was changed it would change all of this. There is likely a bit more to it then was said, there about always is more to it, but she did not raise a issue when Dave started talking about not buying so many little things. It does not seem like she has any one major thing that's the cause of this.

[@donaldlyons17]

@@garrettshaw8161 You might be right but I suspect for her there was no way she could end in in great shape on her income based on where she lives. If she did she got very lucky!! I know two people living in the same state as her and they would not be able to do without money support!!!

[@kayn2756]

She can garden her own vegetables. Online part time job. Opposite shift from the husband at the local grocery store, nursing homes or mall

[@JohnTube2K]

I finally accepted my situation and stopped my brokerage acct investments, kid’s college savings, and IRA savings…. Taking all that money $3k a month to pay off debt as fast as I can…. I had Dave’s issue where I thought I could out earn my stupidity. Got the wife on board and this year is the year of paying off debt.

[@rachelr.290]

Believing in traditional gender roles is fine (if that’s your choice) and good homemakers are vital to our society, but if you get to the point when you have three kids and NO skills that could help put food on the table, you’re in a risky situation! What if you are subject to domestic violence and need to keep your kids safe? What if your husband dies? Even in the Middle Ages, women and men worked side by side in family businesses. This whole ‘women stay at home tending to the house and don’t make any money on their own’ business wasn’t really a thing until a century ago.

[@ccjdis]

Hope they have life insurance and health insurance.

[@ecclairmayo4153]

Thanks for sharing that history

[@bev7236]

You literally just said women caring for children have no skills. Do you tell that to just mothers who raise their own kids or daycare workers too?

[@icelandic_mughal2223]

With his 20 + hours weekly OT, he should be grossing 2k a week. That makes over 100k yearly , according to her OWN numbers. Also, this is Mississippi, not NY city. Either he's not doing the OT regularly, or they are grossly squandering money shopping and eating out.

[@jimmymcgill6778]

You have taxes and deductions. For a family of five, insurance have to be a lot.

[@barnabusdoyle4930]

Yeah, insurance is probably the big item that’s killing them, which is stupid. They would be better off not having insurance and paying medical bills as they come depending on what insurance costs. That being said, there’s something she’s not telling us about where the money is going.

[@icelandic_mughal2223]

@@jimmymcgill6778 that’s a wash with their massive yearly tax return

[@jimmymcgill6778]

@@icelandic_mughal2223 Who says they're getting a massive tax return? May he's putting some in his 401k and IRA.

[@icelandic_mughal2223]

@@jimmymcgill6778 Married with three children under 18, income around 100k, easy math.

[@rayhill5767]

Living on love until the love is gone.

[@BoldFollower]

This is the reality of soooooo many people I know. A lot of working America struggle with similar things.

[@blackworldtraveler3711]

You know people that get married and/or have kids without thinking or planning. I know people that think and plan for their family with no issues. All about choices.

[@bloodswarms]

Wow, Dave got a good mic! About time!

[@macdisciple]

I have about $200 at the end of each month and I buy one share of AAPL. Am up to 17 shares. It’s something at least.

[@blackworldtraveler3711]

I was laughed at buying Apple under $2 a share in the late 90s.

[@prycenewberg3976]

My wife makes Pizza from scratch and it costs us about $1.20 a plate. She makes soup from scratch for about $0.70 a bowl. We eat really well and you would be amazed at how little our grocery bill is. The savings for having a wife in the home are substantial. That this woman can't find them speaks poorly for her. She needs to start learning to cook.

[@JudePi-jx7yo]

It's not even as hard as pizza from scratch. Lentils, rice 50 cents a plate. Healthier than almost anything more expensive too.

[@USMCAllTheWay]

Yes, watching another child part-time would be a great help. And you DO have a value!

[@20maxilo]

Im 35 and didnt have responsible parents who never taught me about finances.. I have a degree but I stll owe.. Im currently in process of purchasing his books to help me learn more about this.. I think we need more financial literacy classes for people

[@morganottlii2390]

Why do people think they have to have vacations? Play time isn't pay time. You keep at it until you can afford to not work for a week.

[@johnSmith-uz8nl]

You don't need a lot for a vacation. You do need to know how to live below your means.

[@DJ_Patent]

Did she say anything about vacations?

[@johnSmith-uz8nl]

@@DJ_Patent Dave said something about you can not afford a vacation

[@donaldlyons17]

@@johnSmith-uz8nl They have loans and a mortgage so they don't have the money to pay up front or they would have neither of those!!!

[@LocaW8ta]

We’re broke but only one of us works 🙄🙄🙄

[@judyferguson3185]

Ellen D. You missed something in your math. The $843 is just the 20 hours overtime. Straight time is $1124. Add those together and it is just shy of $2000 a week.

[@BoriPR82]

My wife is a stay at home mom, she home schools oir kids. She recently got a part time job working for an christian after school program as the director. She gets to bring our kids to the program and she makes 15k a year. I cant complain it 15k extra on top of my OT.

[@howlbeast]

6:10 “normal sucks, we don’t wanna be normal, it’s not fun” 6:13 spoke to me .. work/do anything for 2yrs not 20

[@chriscox5087]

She needs to see herself as working for the family 'business'. Get costs down by making food from scratch, finding cheap clothes, finding deals etc

[@adamseidel9780]

You don’t have three kids to watch, you have ONE kid to watch. The other two are in school.

[@fireant1272]

Maybe home schooled.

[@matthewgardner2144]

@@fireant1272 Let's hope she's not. She doesn't sound terribly bright.

[@Bob-yh7ir]

Making 80+ K a year in Biloxi !!?? That's like making 200K anywhere else. I mean, if you can't make it on that in that state and location, you can't make it anywhere.

[@d.c757]

DAVE GOD BLESS YOU❤ Thank you for all your advice...the dad advice i never had ❤🙏

[@Postal_Man]

I still don't get how they struggling. 80+k a year and less than 1k for mortgage?? Dave then mentions for the husband to work 70 hours instead of 60? We live in california making a bit more than that and are fine and have a bigger mortgage. Sounds like the wife needs to spend less and/or start making income to help out husband

[@reginamcadory674]

She could get a part time working nights or weekends. Someone is always with the kids so there are no babysitter fees.

[@carylhalfwassen8555]

So dad after 60-70 hours a week, watches the children? Quality watching? No dozing off while toddler roots in the trash can or eats out if the dog dish?

[@somyrapoacelli1560]

Yes this is what we did. We did compromised. My husband work during the day and I work night shift.

[@ben-victor2420]

As a matter of fact, if she worked part-time and put her kids in daycare, she'd be looking up her husband's life.

[@PInk77W1]

There’s a ton of websites u can get paid at home on. KZbin has videos about them.

[@WiseOnion]

Dave Ramsey favorite word: "Shtupid!"

[@rashedaleisa176]

Once Dave starts with (what you own on the car?), you know exactly what’s coming next 😂

[@xxdfoster]

"I can do anything for two years" I dig that

[@beverlystockton7449]

Who works 80 hrs and someone asks if they can work more ????

[@mocheen4837]

I used to work 80-100 hours of overtime per month.

[@tonyahenry4167]

Poor man working himself to heck she can help it’s stuff she can do from home

[@adamseidel9780]

EXACTLY. She is the one who needs to be learning to generate savings, learning to make food stretch longer, learning to find other efficiencies, learning to develop side income.

[@orteot448]

I gotta call him and have him talk to me like that 😢 it sucks when only one person is carrying the emotional baggage and the extra hours

[@cita_m]

I'm not sure how being a Christian automatically means that the wife can't work. I'm a Christian and a stay at home mom, but I worked until my first was born, and I have had side hustles that bring in income, and I plan to go back to work when my youngest is old enough.

[@matthewgardner2144]

She's just using that as a convenient excuse for not wanting to get a job.

[@catherinewilke5583]

I was a Christian when I went to medical school. I supported the family for 20 years, on my own. If my ex had worked even partly as hard at staying home as I did, we wouldn’t be divorced. But that’s what happened.

[@cita_m]

@@catherinewilke5583 So you're not a Christian now?

[@joyaustin6581]

Funny how she’s Christian when it comes to staying home but not Christian when Bible says the borrower is servant to the lender.

[@matthewgardner2144]

Cafeteria Christianity - very common with these types of people.

[@Gryphon129]

@@matthewgardner2144 exactly! She thinks god is cool Raising kids in poverty She needs to get a job, period

[@sew_gal7340]

It's a cover that ppl use every time to explain away their own lack of will or energy for self reflection ...its sad.

[@MikeyB_1972]

I'm always surprised at how the spouse does not know what the other one makes. They only look at it as bring home. They need to understand what the gross is and the taxes and the amount of exemptions coming out of the check, and retirement…

[@susanschmitz5871]

I’m a Christian, I’m a mom, I have kids and a husband. Oh yeah, and I work too. Daycare isn’t forever, once it’s done it’s done. Working from home is so much better than it was pre Covid, she needs to help. Even part time at home, she could help something get paid off and the TWO of them could have more time together and he’d had time to enjoy his kids.

[@barnabusdoyle4930]

“We are a Christian family and believe in the wife staying home with the kids” This is the exact mindset that has them stuck in this situation. She has never and does will never even imagine that she will ever be getting a job even after all the kids are in school. Also, where in the Bible does it say that the wife should stay home with the kids?

[@stevenporter863]

He is already pulling 60 a week. She needs to do something. Being Christian doesn't mean math doesn't apply.

[@JustinCase780]

Yea! The bible says she must work! 🤣

[@Yaya-cl3tu]

I was wondering the same thing. Nowhere in the Bible does it say that.

[@joshuakelly9743]

Honestly have you stayed at home with 3+ kids? I think you’re underestimating the time and attention it takes

[@KLA2789]

I totally agree, this annoyed me to my core (as a working Christian mother of two) BUT with three kids and no/low skills, it would be extremely hard for her to make decent money to make it worth it

[@schwartzybuisness]

Why is it always moms with kids that don't work that explain they have no money or very little money? The answer is in the question

[@donaldlyons17]

She likely either doesn't want to work or thinks she can't work. Well she might be right because getting a side job just two or three days a week for a few hours might help just enough to fix part of the problems but....

[@blackworldtraveler3711]

One of many things to think about before marriage or creating single mothers.

[@sew_gal7340]

We live in a modern society now and media is saturated with "strong women" vibes day in and out, i think men should be the ones staying at home and women should be the ones getting jobs.

[@esonon5210]

They have an income problem since only one is caring for five people. Realistically he would need a better paying job or she would need to get marketable skills and go into the workforce, but only if her income is more than daycare costs.

[@queenbee3647]

If she advertised locally that she will be an after school care giver. School bus can drop the kids off at her house. If shes capable she can help with homework. Lots of working parents ENVY her! She needs to exploit it!

[@queen4u281]

I don’t think she’s interested in working.

[@esonon5210]

@@queenbee3647 I really don't know why she doesn't do that. It makes lots of sense.

[@esonon5210]

@@queen4u281 Then they deserve the life they already got

[@donaldlyons17]

@@esonon5210 How does anyone deserve the life they already have when bills are already required? We can only control so much so I say they were unlikely to end up in this situation. The fix to this is likely to be very complex.

[@peteroc134]

She has THREE kids. It’s not just one. Everyone saying she’s lazy and should work don’t have three young kids or had them so long ago they either forgot how hard it is or don’t realize the cost of daycare has gone up significantly. To put 2-3 kids in daycare can be $2000-3000/m. I don’t think it’s $4k because her mortgage is only $900/m. Doing odd jobs with three kids at home is difficult. And Dave saying she can make $20-30/hr…doing what?? I work full time and have one child and I understand how hard or expensive it can be. One thing Dave might have missed though is that she OWES $9K on her car. It could def be a $35k car but they paid it down. That’s just what’s left. So maybe they are stupid lol but who knows. Hope they figure it out.

[@-NoneOfYourBusiness]

That was a good caller and a good discussion. Quite different from the usual calls and answers and probably relatable to a lot of people now that housing prices pushed everybody closer to the edge year on year even with really good paychecks. Couples passed the "Cutting on the stupid expenses" stage are often still struggling. And thats a really bad sign for the Middle Class as a whole in this Country if you ask me.

[@itamchi9084]

They need to budget

[@PickledHam]

You can be surprised how much money you can find by canceling online subscriptions. No more amazon prime, netflix, hulu. So your daughter can't watch Disney. Wait a couple of years till debt free then take a Disneyland vacation.

[@blackworldtraveler3711]

It’s a shame people are surprised about things simple math could have fixed beforehand. Just like the boomers they want to do it all.

[@mirabella2154]

I don't get it. So how much does her husband make before tax? Dave said 80k... How does that work with the numbers she mentioned? 🤔

[@MrTmenzo]

80k gross is about 60k net after taxes.

[@donaldlyons17]

@@MrTmenzo Wow should be obvious to everyone but I guess not.

[@Chris-dj5hy]

"We're Christian so we believe in the wife staying home with the children." You can't do side jobs?

[@joypeaceandhappiness1501]

She doesn't want to work

[@Nolaman70]

Sounds like a Beans and Rice, Rice and Beans situation to me...................

[@CandiceKMitchell]

How can she say as a Christian and a woman she doesn't have any skills because they didn't believe in working outside of the home. There is a lot of home base jobs and side businesses she can do at home.

[@shineproproducts]

I remember those days. So happy for them to stick with being home for the kids. In the future, she will be happy she spent time with the kids and not coworkers. YGG (You Go Girl)!! You can always make money but not the moments and time.

[@marywebb9127]

💯 Staying home with my children is the best thing I ever did.

[@adamseidel9780]

Yeah, how wonderful and gratifying for her… while he’s working himself to exhaustion and never sees them so she can have the privilege.

[@marywebb9127]

@@adamseidel9780 They need to learn to manage their money correctly. It is harder to be a one income family but it can be done. It takes some budgeting and not keeping up with the Joneses.

[@samuelburton9761]

I don’t understand getting married just for your wife to sit at home. Lol 😂

[@1981lashlarue]

She's not just "sitting at home," she's raising the family and running the household. Hardly sitting at home.

[@mirabella2154]

Then you shouldn't get married. It's not for everyone.

[@yesIknow277]

Agreed. One paycheck to take care of two plus people is beans and rice for a lifetime.

[@yarrdayarrdayarrda]

Figure out how to work while husband is at home. Uber/pizza/some sort of retail. Sitting on your can while your husband kills himself isn't fair, regardless of your religious beliefs.

[@donaldlyons17]

Retail pays the worst wages up until recently.

[@toothybj]

She needs to get a job. Drive uber, work doordash, and she can do it in the evenings after he gets home. Their old fashioned mentality is hurting them.

[@tonyahenry4167]

Dave doesn’t like Costco 😂😂

[@nickgarcia4988]

This whole - have as many kids as you want - garbage is what has so many people in this situation. Hundreds to thousands of dollars a month that you are required to spend on children who can keep you from even going to work and apparently that’s ok.. this is plain stupidity

[@0nillevass]

Three kids doesn't seem that excessive.

[@nickgarcia4988]

@@0nillevass its enough for them to be in the situation I just described

[@saramooney09]

Work at a daycare. Usually if you are employed at a daycare you get a discount on childcare. And trust me, daycares are ALWAYS hiring. That’s what I did in order to help my husband financially!

[@roadrunner9622]

"My husband works 60-plus hours per week." "Well is he maxed out, on his ability to work?"

[@lupitarodriguez3160]

She could do Door Dash with the baby while the other kids are in school

[@christinebutler7630]

They're homeschooled, she'd have to cart the whole crew around with her. That's not impossible but it could get pretty old.

[@alreynolds7152]

People create a life with kids...house...cars.... maybe you shouldn't do that if you can't afford it ! I sacrificed selling my house and buying a small Condo ! People want what they want then cry when they get in debt !

[@marykuball1167]

Everyone is saying to do daycare at home. How about taking in other people's laundry also. Lots of people don't like doing laundry or have time. Charge per load.

[@amydoran9987]

She might want it consider going to school and getting some type of skills. Hiding behind religion is very dangerous.What if they don’t have life insurance or anything to fall back on.

[@mateofernando5066]

Sounds like the caller needs a beans and rice diet. the issue for most people is when wants becomes needs and then the discretionay spending just goes crazy.

[@meganparker8703]

Lol since when is Christian theology that mothers aren’t allowed to work

[@breanahicks2802]

Right I have never heard of that either 😂

[@oceansky6207]

Fundamental Christians. The ideal family is where the wife is a stay at home mom

[@cyoohoos]

@@oceansky6207 if they believed that they would LIVE WITHIN THEIR MEANS. People invoke the Lord when it is convenient.

[@alexciacalloway8472]

@@cyoohoos please say that again louder… It’s interesting that Dave’s principles are biblically based, he has stated it’s Proverbs

[@beckyelliott2871]

Life today is hardly “ideal” in many homes. Ask any single parent with young growing children. People have to work to provide for themselves and children.

[@dianawilliams8801]

I love that "experienced clothing"

[@arthurvasey]

Too much month left at the end of the money!

[@donaldlyons17]

Yeah I used to live with people that had nothing left over each month and I never understood.

[@jimmymcgill6778]

If she wants more money. SHE should get a job. Amazon will hire anyone. She can work nights.

[@bobschnittman2856]

Dave is so drawn to the southern accents.

[@jimmymcgill6778]

They can pay it off in a year. HE makes forty four hundred a month. How can they have not enough money left over?

[@kaycure8629]

What is fourth four hundred?

[@christy2235]

$28.10/hr is not about $80k/yr

[@korhonenemilia1816]

Considering the 20H overtime the husband does per week, it's even more. 28.10*40+28.10*1.5*20 = $1967 per week That's just around ~100k per year!

[@derrickbell3087]

Not sure how he is only bring home $1100 a week when he’s making 60+ hours a week and making $28 an hour. Maybe I’m trippin but I’ve been there befor and it was more than that with the max in taxes taken out.

[@tristan2332]

The math isn't working either he isn't working the hours or his pay is way less.

[@donaldlyons17]

He might be paying more into taxes and get a refund at the end of each year. I used to get more than 1K back each year in taxes from the feds so I guess I was paying too much.

[@0nillevass]

Also contributing to 401k, health insurance, HSA, etc can make the bring- home math work out. My husband's actual deposited paycheck is 50% of his salary.

[@donaldlyons17]

@@0nillevass bring home math should be worst if people buy more stuff?

[@plants4thewin]

Step one...stop having kids. You have enough.

[@stevenporter863]

Why do people continue to have kids with debt? One as unplanned, but more than that lesson should be learned and it is like adding water to a sink that doesn't drain - doesn't end well.

[@bartathalon1]

Kids are not the issue. Children are a blessing no matter the season.

[@blackworldtraveler3711]

@@bartathalon1 You do realize you're the only one calling kids an issue right? They are a blessing until they are not.

[@Jajaky]

I would like my future wife to be a stay at home mom, but when the kids start going to school I half expect her to do SOMETHING part time

[@mbank3832]

You better be so irresistible that women are willing to do it for you haha

[@christinebutler7630]

Most Christian families homeschool. And have a long line of kids. It could easily be 15-16 years before the eldest can babysit the youn g er ones, freeing mom up to work.

[@Jajaky]

@@christinebutler7630 good point

[@MrTmenzo]

Bake and sell banana bread.

[@joyaustin6581]

It’s in her best interest considering divorce rates and if her husband ever gets sick.

[@sadieesther9721]

Unsubscribe from Amazon, cook from scratch, thrift shop, make hubby take his lunch and not stop at the gas station every day, etc

[@KVW110]

28.10 is not 80k a year.

[@metaltera86]

With 60 plus hours a week yes it could be

[@xXKilUmaXx]

This is me & my wife, right here.

[@loml4evr196]

Keeping the Faith !!

[@jimroscovius]

Then you need to spend less money at the beginning of the month. No going out to eat. You don't need date nights until debt is gone. The wife needs to be out working. You can work after hubby gets home. That's what we did - my wife worked days and I worked second shift. About three hours in daycare, plus, it won't be long, and the kiddos will be in school. Start working and quit spending.