We Live Paycheck-to-Paycheck Making Over $100,000

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[@DL-xg7nu]

Everytime I feel like I want to buy something other then bare essentials, I put on some Dave videos and I have paid off over 60k of debt in less than 2 years.

[@mukbangjeezus126]

You should have a picture of Juluis from Everybody Hates Chris in your purse. HAHA! If you dont know what i'm talking about, watch the show.

[@marcusfenix9534]

My man Julius nickel and dimed every purchase. I follow his approach. I'm not cheap, but I don't spend wantonly. Each purchase must serve a purpose.

[@sooner1125]

Passes it to the man… and BOOM goes the Dynamite!

[@drizzyfest6285]

You're bad af

[@rslover65]

I did the same, it was hard but sooooo worth it.

[@LearnAsYouGo.]

I’ve paid off $20,000 of debt in the last year. Thank you Dave Ramsey!

[@marknewton6984]

It can be done ! 😮

[@LearnAsYouGo.]

@@marknewton6984 yes, it can be done. When I first started watching Dave I didn’t think it could be done but once you get serious about it & start making sacrifices then you realize it’s possible.

[@sherlytanco2835]

Congratulations that’s awesome

[@stjackso17]

That’s awesome keep it up!!!

[@InfallibleBible]

Did you stop your employer match? Just wondering

[@lakers165]

everytime i feel like i need a new truck dave talks me out of it

[@letsgotomarsman]

Just get it, you could pass away tomorrow.

[@mikezerker6925]

@@letsgotomarsmanor you could live another 50 years being broke 🤔

[@o0usf0o]

@@letsgotomarsmanso you’d have the truck for like 12 hours?

[@jdtreharne]

​@@letsgotomarsmanalternatively you might not

[@lindseywalker4841]

Same it’s not worth it 😂

[@PInk77W1]

Me. 62. Retired. $49k pension No debt Home paid off. Laborer all my life. Big bank account. Life is good.

[@dustygearhead]

Good job man. Enjoy the freedom

[@fleurelise997]

Congratulations 🎉

[@ryandevlin3057]

Yikes 49k pension …

[@PInk77W1]

@@ryandevlin3057 is that good or bad

[@etcetraetcetra3173]

That's the peace of mind everybody wants. Bravo!

[@NinaBobina4006]

I've paid off $1,165 in 30 days, I'm cutting deep Dave!

[@marknewton6984]

Keep going!😮

[@Red_1976]

That’s fabulous

[@siegfriedbraun5447]

Best get that wound looked at! 😂

[@johnnymichael1804]

I just paid off 5500 in the last 2 weeks.

[@stjackso17]

Nice job keep it up. The feeling gets even better!

[@rabidgoon]

One of the main reasons I still watch this show is because it makes me feel really good about my relatively meager income when I hear these people who make a ton of money are doing worse than me, financially. My small business brings in poverty wages compared to these people, and yet my frugality and lack of debt (well, almost) makes me feel wealthy by comparison.

[@iamme7664]

This. It’s not about how much you make but how much you can keep. Good job.

[@CuppaLemonTea]

@@iamme7664 its easier to get rich by spending less than it is to get rich by earning more

[@davidbrayshaw3529]

It's not what you manage, it's how you manage it, that counts. Coaching a junior league soccer team to victory will always yield a far greater smile on your face than coaching a premier league side to defeat. You win with the skin that you're in, and you take your wins where you can, with pride.

[@howlbeast]

Me too, glad im not the only one.. it’s a daily reminder to not make rash decisions & avoid consumers debt..

[@mikezerker6925]

Exactly! It’s very simple math … income vs expenses.

[@NebulaQuestor]

My outlook on money changed when I realized someone making $300,000 can retire broke & someone making $80,000 can retire a multi-millionaire. With the current market movement, you have $100,000 to invest. Where are you investing it?

[@Type57SC]

I believe a healthy portfolio has 3 things, at the bare minimum: Exposure to ETFs for increased diversification, Exposure to assets that generate cash flow like dividend stocks, Exposure to market-leading tech.

[@Frankweily]

During bear markets, aim to 5x your portfolio with crypto accumulation and reinvest dividends. Consult a financial advisor for assistance. Since 2020, my $1.2m portfolio has averaged 28% annually through restructuring and diversification.

[@BrewNoCarbs]

Who is this person guiding you and how can i reach he/she?

[@Frankweily]

She goes by "Melissa Elise Robinson" I suggest you look her up. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.

[@BrewNoCarbs]

Thanks for sharing. I searched her full name and found her website instantly. After reviewing her credentials and conducting due diligence, I reached out to her.

[@pinedreams1]

People think their kids need a certain standard of living but they just need their basic needs met, love and time. It’s crazy.

[@vevasika]

I still prefer to pay a little more in rent so to not live in the hood. I want my daughter in a good school district and easy access to parks and farm fresh food. Some things in life are worth the expense. But when it comes to things I tell her no a lot

[@Alex-sg3yz]

​@@vevasikanot living in the hood and going to a good school district qualifies as basic needs imo

[@ryanloyola9662]

As non psychologist I believe she’s using her daughter as a scapegoat and in reality the grownups don’t want to take accountability.

[@edgar3105]

I believe she was trying to say she needs more money saved up before paying off her debt because she has a daughter but Dave kept talking over her.

[@YoPhocFays]

I have family members who make 300k/yr and are in credit card debt. Keeping up with the Joneses

[@leeboy244]

sad!

[@elizabethallen4353]

Same! Money doesn't solve disorganization.

[@YoPhocFays]

@@elizabethallen4353 it sure doesn't. For some people, the more they make, the more debt they go into. Ironic as that sounds

[@ashleyjones5396]

Not this Jones Family 😂 We keep our expenses low!!!

[@YoPhocFays]

@@ashleyjones5396 lol, good for you

[@cko8643]

Appreciate people calling in and putting themselves out there. The Internet is brutal. Glad they share their stories

[@metoon3092]

3:29 Dave rocks out the absolute truth. _No sugar coating_

[@SuckerPunch92]

He always does. That's why I love him

[@howlbeast]

Papa Dave laying down the law 😤

[@mikezerker6925]

This is how most people spoke, teachers/parents etc when I was a kid… nowadays people melt into a ball of emotion when they get spoken to this way! 😂

[@Big-Government-Is-The-Problem]

he often doesnt when it comes to women. if it was John he'd be like "are you safe" lol.

[@getinthespace7715]

We've been living paycheck to paycheck with 100k income... but we were cash flowing my wife's advanced nursing degree. Cost a small fortune. She just passed her final nurse practitioner certification testing. Starts at a new job in February VERY glad we cash flowed everything. We were broke for a few years but now we're going to be killing it.

[@analyticalchick3064]

Did she not go work as an RN with one of those high RN salaries?

[@SuckerPunch92]

That's awesome!!!

[@getinthespace7715]

@analyticalchick3064 , no, not really. She was in a program through her employer where they paid for a portion of her undergrad degree, she was working as a phlebotomlmist at reduced hours, but they provided flexibility she needed for school. She was still bringing in money, but not much. Once she graduated with her RN, they offered her a nursing job and low balled her on the pay. Zero flexibility for school. Our local hospital kinda sucks to. They are missing payroll all the time. All the good doctors left. Instead of a contract with the crappy hospital, she maintained the flex job and she went for the NP. We were on the hook for that 100%. During the NP degree, we were paying out $1k here, $2-4k there for different clinical opportunities on short notice. That was tough. We are moving back near her hometown, and she signed an employment contract for almost $200k a year for 2 years. I get to bring my job with working mostly remote. Looking at land right now and I'm building a house this summer if things go well.

[@ScottishTerrorsInLA]

You mean paid in cash not “cash flowed”.

[@JohnPapandrea]

She’s going to be killing it! Blessings to her!!

[@BrianW211]

She said "It's the fear with my daughter... making sure that we have enough... I get worried about catastrophic expenses... it's more just in case." If that was real, she'd be saving up money like crazy, but she has almost nothing. So glad that Dave called her out for that being a red herring in this call, because she's obviously not sharing what's _really_ going on with her finances.

[@mydeadtrim]

the thing i like about dave ramsey isn’t really his advice in the show, but just the different types of peolpe the come on the show and how he interacts with them

[@shawnturner7064]

Why is she calling in versus working with her HUSBAND. He should be LEADING his family from this perspective. Second marriage 67% success rate.

[@rickyayy]

These phone calls are a case study on Americans and society

[@BrianW211]

@@shawnturner7064 You don't understand. She's worried about having enough for her daughter, not having enough for her family that also includes her husband.

[@shawnturner7064]

You see how she PUT her daughter over her HUSBAND. RED FLAG and EXHIBIT A Fellas.... Leave the Baby Mommas Divorcees to the STREETS. What kid 9 year old needs 3k a month. I bet money problems were the reason for the other failed marriage.@@BrianW211

[@markd6838]

I have a modest income but own my house, car etc with a healthy savings and pension and no debt! No debt is key, i sleep like a baby

[@nildabridgeman8104]

That's why you don't need a therapist.. this lady is a therapist and can't see her own problem

[@Lady.Luck.]

It took 5 years but we paid off 80k while raising a family of 4 kids. Im soooo glad we made the sacrifices

[@pangchang3332]

This right here🎉🎉🎉🎉🎉

[@robertchristinapapcsy2946]

That's great!

[@shenny.d]

Awesome! 👏🏼

[@adiintel1]

did you listen to Dave Ramsey?

[@Lady.Luck.]

@@adiintel1 yes followed his plan

[@johnsteele8073]

This is why you don't trust counselors. They don't even have their own life together

[@kay22100]

Her strengths may be in other areas not FINANCES

[@patriotdrone9566]

@@kay22100 LoL!

[@cutehumor]

You mean like Dr phony balony delony 😂😂😂

[@amare83]

@@cutehumorlove me some Delony!

[@patrickhemus8102]

@@kay22100it’s not that it’s not a strength. It’s that she’s illiterate with one of the basics of life.

[@TopOfEverything-zr2wc]

I will never forget the help and motivation I had from watching your videos. I’ve decided 3 months ago that I will never go back to debt ever and ever again. I am paying off all my debt, I’ve decided to rent off a room in my place and work an extra day. I am more motivated than ever and following the snowball method I pay off 3 debt out of 5.

[@patriotdrone9566]

"Well, we talked about cutting back on vacations." 🤣 Yup, the entitlement is neck deep here. Zero chance they make any changes.

[@marknewton6984]

No chance.

[@lot2196]

Does college actually make people dumber? This is not that difficult.

[@kbanghart]

Yes, Trump conservatives believe that

[@ThienNguyen24]

Some people are dumb enough to go to college.

[@ST-rj8iu]

@@kbanghart What? A 5th grader could do this math on how to budget. Why did you make this political?

[@genxx2724]

@@ST-rj8iu maybe the nine-year-old daughter could set the household budget.

[@yeahright2022]

@@ST-rj8iu It's what these TDS nerds eat sleep and breathe. It consumes them. Everything is political.

[@Ange_V]

The sacrifices may seem like alot and getting out of debt will take forever. It won't. My husband and I focused on getting out of debt back in the 90's. Everything was a NO. No vacays, no cell phones, no internet, one car to get to work, no eat outs... The only shopping we did was grocery, which was a strict limit of $70/wk for a family of 3, carrying the calculator through the store. It was all worth it. God provided, and we've been debt free, mortgage included, since the early 2000's. Make the sacrifices now and pay off debt. No it's not easy, but you won't regret it. And then forever treat debt like the enemy it is, robbing you of wealth, peace, etc.

[@howlbeast]

7:55 “I want a new car, I deserve, I have a masters degree, I deserve good car .. you deserve freedom not this life of stress” - George

[@rbraxton00]

Dave plays no games. He is so real. I was the same way, then I found Dave Ramsey’s baby steps. I use to get out of debt all the time, but I didn’t know you don’t have to be in debt. You can get out and stay out. I love learning there is a way to live without debt.

[@MichaelSBowen]

I’m amazed at how people make so much and pile up all this debt. Anyone could be a millionaire in a few years with their income.

[@HunteroftheNorth]

Well more than just a few years

[@ryanbell6537]

Granted we're 30% below them....... but we also "only" have half the debt.... but we also have three kids..... and we're also on the Left coast..... BUT..... I can personally attest that since Biden's executive orders shut down oil production in the U.S. and fuel prices skyrocketed, surging inflation, it's been quite a struggle to make it month to month. The difference between regimes has been staggering. The food stamps level here in Oregon is $60K and everyone we know who's below that threshold has caved and is on government assistance. It's insane.

[@randymillhouse791]

Shhhhh. It's a secret that advertisers who study the work of Edward Bernays do not want you to understand. Neither does the top 1% of earners in the USA. They want you to be poorly educated, financially illiterate, and buying things you don't want or need.

[@John3.36]

Because they have no purpose, no self control, and no concept of God. The live for the now and literally don't care about the future. It is called bondage.

[@randymillhouse791]

@@John3.36 I have read passages of the Bible where bondage is a common theme.

[@AllayaDanielofor]

Your videos have been great!! I am part of your viewers and I’ve been watching your videos lately. I’m interested in trading but I still can’t figure out the right trading to engage in. I’ll any help out here.

[@EdwardHeater]

Yes, it’s true, there’s been a lot of talks about investing lately, but I’m new and also curious how I can get started. Can anyone explain how to invest and how to get started?

[@KimRobert-]

In my opinion, investing is not about getting rich but about gaining financial independence. I rely on strategies from a source that ensures my monthly dividend

[@EdwardHeater]

@@KimRobert- How can I connect to your source for success tips!?

[@KimRobert-]

Mrs Mildred Lopez

[@KimRobert-]

She’s on Telegrams

[@MrJimmy3459]

3k in savings but worried about catastrophic financial problems that may arise for her 9 year old? Makes no sense

[@JasonBlaha66]

I’m glad Dave called her on that! I’m so worried about my daughter and what she might need but I have absolutely no savings to back up that concern

[@adamseidel9780]

“We’re worried about having enough money for our daughter… which is why I only have $3,000 around.”

[@genxx2724]

I get the feeling that she spoils her daughter, and insists on continuing to do so.

[@SuckerPunch92]

Scapegoat.

[@katiecommon3614]

Exactly it's not like she had 50k in savings and was afraid to spend it paying down debt in case of an emergency, she had nothing!

[@genxx2724]

It’s a sacrifice to say “no” to a big family cruise? My family has never gone on a “big family cruise“ in our lives. I didn’t grow up going on vacations. I’m now financially independent. People are crazy with the entitlement nowadays.

[@bahwickee]

She's struggling with not being able to post photos of trips.

[@genxx2724]

@@bahwickee 😂

[@franziskani]

If they enjoy the cruises so much, they could have them, if they would have had modest cars that they drive down, and maybe a modest wedding as well. But you can bet they are the types that also spent a ton on the wedding as well. (she 90k in debt for her education and she has considerable car loans. Together 60k, she did not specify. Maybe he has the higher car loan after all he has "only" 40k in student loans but w/o a degree).

[@LearnAsYouGo.]

To you it’s entitlement but to them it’s their normal.

[@Red_1976]

Yeah it’s like saying I’m so broke I can’t afford to eat… but I can rent a house with a yard and feed my four dogs!

[@FreakoutVideosUS]

I love broke rich people problems.

[@LivPoxleitner]

good opportunity to learn

[@Red_1976]

First world probs

[@elizabethpeters8904]

I call them "faux rich" problems

[@jnordman86]

Have to take risks to make money. Where does it stop?

[@BrezzyBoi33]

$130,000 a year isn’t rich

[@BrianErwin]

alyssa: hi dave: what's up alyssa: just chillin 😂😂 dave has a high tolerance for people who don't get to the point, i would've been like what do you want !?

[@Julian-zc9vm]

People really sit here driving around in fancy luxury cars with no idea on what is causing their financial stress and what to cut. She has “fears for her daughter’s” financial security, but is driving around clueless in $70k worth of cars.

[@mizzoufarmgirl6348]

We went on our first real vacation since on honeymoon for our 30th anniversary. What we didn’t have at that point was a mortgage and any other debt. Make good decisions, meal plan, pay cash or wait until you can. It’s really that simple.

[@HJW3]

I'm at work in Naples as I write this, shoutout to SWFL. There's a lot of things in this area that you'll feel like you have to have if you look around too much, expensive cars definitely being one of those things. Don't live for anyone else, live for you. The stuff will come later with that kind of income

[@TheFirstRealChewy]

Its called lyfestyle inflation or lifestyle creep. Randomly ask people of they would like to make more money and they will say yes. Ask them why, and they will tell you what they want to buy. Almost no one will say they want more money to save and invest. You have to be disciplined to receive money and not spend it all thinking that you have a job that will always keep the money coming. The higher your saving rate the more discipline you need.

[@topsykretts2264]

Live below your means. Better to look poor and actually have money than to look rich and be broke. Just downgraded to a cheaper apartment from a luxury apartment and it saved so much money per month.

[@ben_dukeson]

Attaining success relies heavily on the proactive measures and strides you take to pursue your objectives. Building wealth entails fostering positive habits, like regularly allocating funds towards strong investment prospects. Despite its vital significance, financial management is often a subject that many shy away from, leading to challenges later on. My genuine wish is that anyone reading this message finds success and satisfaction in their life pursuits!

[@JacobPaula]

Beginning early is undeniably the most effective approach to getting ahead in wealth building, with investing taking precedence. Drawing from my experience last year, I've managed to establish a suitable lifestyle by investing early this time around.

[@DaveMccarthy896]

Indeed, that's my primary focus as well. What types of investments are viable given the deteriorating economic conditions?

[@Jasonshelton-]

The issue is most people have the “I want to do it myself mentality” but not equipped for a crash that comes afterwards. Ideally, advisors are perfect reps for investing jobs and at first-hand experience, my portfolio has yielded over 40%, summing up nearly $452k, since covid outbreak to date.

[@Mathew-zs3nz]

I've been looking to switch to an advisor for a while now. Any help pointing me to who your advisor is?

[@dontdoit6986]

I solved my problems by raising my income. Living a 10k lifestyle on a 6k net budget. So, I interviewed around for six months and found a 14k net role (240k) as engineering manager. Solved all of our issues. Our lifestyle didn’t creep higher than 10k and we sock away 4k cash in savings + my 401k. I wish Ramsay would discuss more the possibilities of increasing income.

[@ECUCHRIS904]

You make it seem like this is easy lol.

[@dontdoit6986]

Most people making over 100k work in corporate America where there are defined career trajectories. It’s a matter of being hungry for promotion and chasing it. Many white collar workers settle for their current individual contributor role rather than management. They get cozy. If you’re serious about making money, it’s far simpler of a mountain to climb for somebody already inside the office than outside of it is all I am saying.

[@purpurina5663]

It's not that easy. Also, it makes people continue dreaming and overspending on the assumption that one day a new great job will fix everything. No. What people need is to be responsible.

[@lolgeselle]

My goal is to pay of 21,000 of consumer debt and 9,000 of student loans🎉 listening to you guys have truly helped kickstart my journey!!!!!

[@Audiomainia2310]

I always lived my life by a simple method that never left me in this situation; " Is it a need, or a want? ".

[@simone_maya]

I’m 60 and want to retire in 6 months. I have a $170K annuity, plus a 401k depleted to $200K of money that I’m not sure what I can do with at this point. My retirement plans seem to be out the window. Is it a good idea to get professional help?

[@xavier_lucas]

With everything going on, consider financial planning, … that is okay. You can get your money to work for you. but I would say delay retirement a little

[@simone_maya]

I have heard how they can help you make the best decisions and to be honest I don’t want to lose anymore money or I will have to work till I die.

[@FranciszekPawal]

And what if that is all you have, even with SS you may not have enough to retire with. If you opt to work with a financial adviser, you make sure they are certified from AARP or FINRA.

[@AadhilaEesha]

The decision on when to pick an advisor is a very personal one. I take guidance from ‘ Monica Mary Strigle ‘ to meet my growth goals and avoid mistakes, she's well-qualified and her page can be easily found on the net.

[@AanyaDarika_]

Can I get the contact info of the person you work with?

[@dtmfool789]

This is prime Dave haha he thrives when someone making a bunch of money calls in.

[@mithicash1444]

A minute into the call, this financial conversation NEEDS to be done before getting married. In fact, my rule is to have that conversation before moving in with somebody. I would 100% exchange credit reports if I was to move in with my significant other.

[@JasonBlaha66]

The problem is that she lives in Naples. A lot of old money there. It’s the culture down there to keep up with the Jones’s.

[@pkope6849]

Exactly !!

[@lyndalamb3221]

Resist that temptation.

[@sumbochen2519]

It's such a great episode. Love how Dave just slap some common sense into some of the callers. It's definitely a good wake-up call for everyone watching. Will share this. 💪😂💯

[@JustinCase780]

Sure blame the daughter. Kids pick up on that mindset.

[@patriotdrone9566]

For someone that is a mental health therapist, her rationales for being broke sound like insanity. Not paying off any debt for the "fear with my daughter" ?!? What?! You haven't saved a dime. I feel like I need therapy after that call. jezzz.

[@franziskani]

The most lucrative "investment" is paying down (high interest) debt. Your return is the interest rate: 6 - 8 % for a "low" interest loan (right now) and fabulous 18 - 20 % on credit card debt. And that ROI is GUARANTEED, very little admin costs, and it is tax free. If financial emergency should happen that she worries about (it won't) they can always talk to the bank and overdraw the chequing account. Or take out a loan on the house (if that is possible) Or get a personal loan. If they have the spreadsheets how they intensely have been following a budget and how much debt they have eliminated before the emergency struck * the bank might give them the money at a reasonable interest rate. Worst case scenario: they overdraw the credit cards (but then they would not be worse off than where they started out). The only REAL emergency I can think of would be high medical expenditures that are not covered by their insurance. They will not be able to save up 100k fast for that hypothetical emergency - and what is the point to worry about maybe, maybe having to spend 10k that you have not planned for ? With their income they can weather it. If a catastrophic recession should strike - then they would have to sell the house. Good news for her: she would not have to sell the nice cars, those have to go right away. She does not need to worry about losing the cars that are too expensive for them in an accident or about expensive insurance either. They will have to sell them and get much more modest cars.

[@bcusaaus4749]

I now can preempt what D will say! I’ve used all those excuses in the past. Knowing what I know now, It is 💯 % possible to live DF and have investments

[@NguyenQuangVu-or5ue]

As my Advisor, Graciela Lynne Schriewer taught me; Combat the Financial planing crisis smartly: Save ambitiously, target 15% annual contributions, leverage ETFs and stocks for a diversified portfolio, and adopt tax-efficient strategies. Build financial resilience for your family with a strategic plan tailored to the facts and figures of your unique situation

[@IanFrance]

Geeez that's a powerful quote. Who is she?? She sounds like someone well versed in Wall Street

[@NguyenQuangVu-or5ue]

She's a Wealth Professional Adviser.

[@NguyenQuangVu-or5ue]

her strong insights and management have made me over half a million, I am blessed.

[@scottystringer]

I looked up Graciela Lynne Schriewer on the internet out of curiosity; she has a strong résumé

[@AlvinJr-kc3pf]

many individuals miss out on gains due to actually NOT having an Advisor is SAD tbh in this present day.

[@LittleMopeHead]

They definitely live like everybody else.

[@Krinbo]

That last bit by Dave was an absolute preach

[@JohnOBryan]

I lived in Naples for 20yrs. I left about 3yrs ago because the cost of living became outrageous. Just in the past 3yrs cost of homes have almost tripled and insurance (auto & home owners) have gone up around 50%. Beautiful area, but you're going to pay for it.

[@ericduverger6530]

God I love😊 these specific calls

[@miketheyunggod2534]

More money, higher bills. That's how it works.

[@elevate4eva]

Ain’t that the truth

[@motoryzen]

That may be how some morons think it should work and they choose to go that path. But apparently they haven't grown up yet A grownup one understand that if you get a 50 %, raise your lifestyle creep either should not happen. Or it should happen only to not even half. The extent of that raves worse case. It's called self-discipline, it's not complicated. It is not rocket science. It's just a tried and true fact of human behavior

[@marknewton6984]

So true.😅

[@MichaelJones-rn2pq]

For my wife and I, the Financial part of Financial Peace isn't nearly important as the "Peace" part. I don't know if I will ever be rich, but it's nice to put four new tires on the car when we need to do so, not when we can afford it...and it doesn't even make a blip in the budget, because that money was already there.

[@taradc6037]

Wow I could’ve written this! We literally had to replace all 4 tires on our car recently and thank GOD for our emergency savings we were able to pay for it without it stressing our daily budget. That “peace” part is everything!!

[@bethanyg153]

I could see it. Everything is made to break now. Our last fridge lasted 1.5 years and the warranty was 12 months. Feels like there’s always about 90k worth of home projects on the back burner. There’s always car maintenance too. It can eat up a bunch in a minute.

[@luckyb4541]

This show makes me feel so great about my life. I blame the dismal education system , they dont teach you shit about life. Not a tic about finances or banking or interest or budgeting , they make you learn a bunch of nonsense thats comepletely useless. In 12 yrs the only useful thing i remember is the multiplication tables. I dont need a calculator

[@Greenlights111]

I’m about to turn 25 next month, and I’ve been laid off for the second time in a row from my job in tech presales. I’ve been anxious and stressed beyond compression as i work to find another job, and oh my gosh am i thankful to have some decent savings to help me get through. I can’t wait to begin a new, better chapter. The last 3 months has been just grueling and sad. Up from here

[@alexbob5209]

I'm 25 and was laid off last October where I was making 2k a week. I found a better job and started 2 weeks ago. I had savings to keep me calm. You'll find a better job asap

[@Greenlights111]

@@alexbob5209 hoping that to be the case. I got laid off beginning of December, trying to figure out what’s next. Tbh the hard part is not wanting to go back and do exactly what I was doing, but not having “the experience” yet to be hired for other jobs. Definitely in the messy middle

[@revondamehovic3132]

Good luck! You got this!

[@aschulte7502]

Why didn't they have this conversation BEFORE they got married?

[@ecclairmayo4153]

That's the part I am confused about. I'm really shocked they didn't call that out first.

[@jeremyfield4148]

I keep hearing student debt is the biggest expense people have. If today you were told you need to invest thousands of dollars and have no guarantee on the return of that investment why would you ever take that offer. I think companies and colleges need to work together to have job placement after schooling to have a return on your investment. Otherwise why would you ever go to school.

[@rodrigocortes3641]

I make $130k a year and live in a small house. My friends have bigger houses and look at me and I can tell they look down at me because I have a small house, then their faces change when I say…… But it’s actually mine because it’s paid for. These ppl buying a $500k house and living stressed for the rest of their lives.

[@NatalieS-kh3ck]

The funniest calls. Dave had it w her

[@legs7148]

I wanted a new washer machine so bad but I heard dave say YOU DONT NEED IT!!!!!! ,instead I took the money and paid off a small credit card!

[@bev7236]

Our 1980's model still works great!

[@jnordman86]

Change vacations. I do a big trip a year and weekend trips every month (granted I like camping so we get REAL cheap) but a hotel room is less than 150 a night easy. 2 days is cheaper than 7 and there are plenty of cool things to do within 4-8 hours drive from you whereever you are.

[@Aki_Lesbrinco]

I don't get how people end up like this earning decent money. My wife and I make similar money and we have around 25k on an emergency fund, no credit card debt low mortgage payment, low car payment and saving between 2k to 3k for retirement monthly. People, just don't think ahead with their money. All of this without sacrificing too much. We still eat out and buy stuff we want. The thing is being resonable and realistic with your money, you can make due with a $30k car instead of a $65k one. If your tv works fine, you don't need to replace it with the newest model with all the bells and whistles, etc.

[@mzstacystacks3168]

49K isn’t a big pension at all. Hopefully you have $1-2million at least in the bank to live comfortably

[@gilbertnicholas1582]

A simple case of keeping up with the Jones'

[@kimberlybeth]

For several years I’ve had fun with my credit card and my limit kept increasing. So far I’m about $9k out of a $20k limit. This year I’ve decided instead of having fun I’m going to be debt free on my credit cards. I have 2 store credit cards, one shared with the household so we take turns, but my other one I’m almost done paying off $2,500 for it. I have only $500 left! Then i will tackle the $9k.

[@shep8242]

Call your credit card company and lower your 20k credit card limit 10k

[@bigcahuna42366]

She's a therapist for those with anxiety and she is calling for being overwhelmed with her finances?

[@leandramelo1030]

😂

[@motoryzen]

Yup define irony

[@cutehumor]

She owned herself

[@marknewton6984]

Gimme a break!😅

[@jimmymcgill6778]

140k and living paycheck to paycheck?

[@elevate4eva]

Stuff is expensive these days

[@motoryzen]

​@@elevate4evaDavid, even in most of california, a hundred and forty k a year, you can live worse case like a middle class person debt free and comfy enough. Of course, shit is expensive when you buy only certain specific name brands of every single thing. You gotta have Calvin cunt Klein on your ass. Britney Spears sprayed on your skin. Another overrated overheight names of products when chances are the vast majority of all the products you consume. Or use the off brand is plenty good enough and it's half the price often In automobile is about the only sensible argument I can think of at this moment that you can reasonably make that I must not my head humbly in agreement too. Because that shit is out of control.

[@Wajz3]

@@elevate4evaYup, having 60k in vehicles is expensive. And that’s a choice.

[@TheTurdballs420]

It’s getting hard out here for a pimp

[@jimmymcgill6778]

@@elevate4eva Not that expensive.

[@thomaschew2191]

When we were in Baby Step 2 we thought that once we paid it all off we would treat ourselves to some expensive fun. Here we are today in Baby Step 7, still living like we were in BS 2. We do have some fun but we basically live a much more frugal lifestyle.

[@ivgondef4408]

Debt-free feels better than any car you can drive any home you can live in

[@wmurphy632]

Outside the mortgage my debt is the credit cards. My new years resolution is to pay most of it off this year. My last car payment is next January, too. There's nothing I need to buy outside bills than food (on sale) and cat food. Everything we do having to do with utilities is to cut corners--use the pellet stove instead of electric heat or the propane (we make a 200 g tank last 3 years), skip baths on weekend, hang about half the clothes to dry, wash on cold, garden from seed some of the foods we eat, transfer money from interest bearing cards to 0% cards (it's stupid not to--saves hundreds, potentially thousands) etc. etc. It's actually fun. In two years I'll have bucks to sock away into savings and we will do a little overseas traveling....

[@soydemusica1311]

This is what happens when you live to show of to your neighbours and pretend there is no debt on your account😂😂

[@TheFilipinaMom]

Hi Dave I like to thank you for all the content and wisdom you share. I've been listening to you and your team about how to get out of debt. I am a single mom of 2 and I homeschool my son and my average income here in California is $5/ hour yes that's the truth 😂😂😂 I don't have government support and I am happy about that coz I want to become an example to my children. I just only work long hours. Sometimes it's tough but I manage to pay off my debt and stashed an emergency fund. As well as I am saving at least 25-30% of my income and pushing myself to live below our means. Without your wisdom I won't be able to make it.

[@audreyandrea460]

You are doing a great job but I would seriously consider hiring a lawyer and suing the father of your children.

[@Patriciacraig599]

I think investors should always put their cash to work, especially In 2024, we'll start to see more market diversification. I'm hoping to invest about $350k of my savings in stocks this year. Hope to make millions in 2024

[@Natalieneptune469]

You are right, best approach i feel is to diversify investments. By spreading investments across different asset classes, like bonds, real estate, and international stocks, they can reduce the impact of a market meltdown.

[@user-3456rtu]

You're right mate! I’ve been using a fin-market expert for two years now and I own a 7figure diversified portfolio from investing in stocks. Currently, my portfolio is worth over $900k.

[@Robertgriffinne]

How can I participate in this? I sincerely aspire to establish a secure financial future and am eager to participate. Who is the driving force behind your success?.

[@user-3456rtu]

Nicole Desiree Simon is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment.

[@Robertgriffinne]

Thanks for sharing, I just looked her up on the web and I would say she really has an impressive background in investing. I will write her an e-mail shortly.

[@dudeorduuude5211]

So many people have car loans so high. Nothing wrong with driving a good older car you can buy outright. I don't get that mentality, to owe $60K on vehicles.

[@lkj0822g]

This couple makes plenty of money for their debt load. Really just need to get on a budget and stick with it.

[@boxingkingg7795]

All the guy says is mostly true but remember when your time is up you ain’t taking shiet, the hole is the same with 1 million in the bank or 1 million in credit card debt. We all the same. Splurge/live when you can but also save. Don’t be a tight azz with yourself either. Life’s too short. As one saying says, “no one really knows who we work for at the end” enjoy life, be smart save when you can and enjoy when you can.

[@peanutbutterisfu]

Some people think because they make x amount they need to buy a bigger house and better cars and what not. Guy I worked with spend 260k on a house 5 years ago I asked him how he and his wife are gonna afford it they could barely pay 1500 in rent. A few times paychecks didn’t get deposited on Friday they were done Monday and it was an absolute panic for him the boss had to bring him money.

[@chuckcash23]

They got Jade making these video names 🎉. I love it

[@DJRiyzen]

In Canada, they would take home, just under $50k a year, after taxes.

[@elevate4eva]

Sure

[@alanj9978]

Nah, depending how it's split they'd get about $90K. It's the dollars over ~80ish that get really hammered.

[@TheTurdballs420]

You voted for it, stop complaining

[@alanj9978]

@@TheTurdballs420 I've never voted for tax and spend parties, but I get the taxes anyway.

[@TheTurdballs420]

@@alanj9978 Nobody admits voting for Trudeau yet he keeps winning in a landslide. You smell that? You know what that smell is? It’s the very strong smell of Bull 💩! Enjoy your “free” healthcare

[@MrRobertJeppesen]

The psychiatrist in me heard "my husband doesn't make as much as me and I'm the one with the degree and the kid. Don't blame her for wanting to protect her kid but your married and it's a together thing now. Fear in relationship is real but faith hope and love get you through that fear.

[@davecopp9356]

The real reason is, she does not trust or feels secure with her husband because he does not make much money and seems to have no plan for his future. That insecurity and anxiety is keeping her stuck and fearing about the future of her 9 year old.

[@TheFlyingZulu]

Working in construction isn't a future? That's a great job that can bring in a decent amount of money. That's some hard work and maybe he enjoys it. Not everybody can be a doctor, a CEO or an attorney.

[@davecopp9356]

@@TheFlyingZulu You are right, construction has a great future, the only problem I see for this couple is, that he seems to work in construction as a help and not in a professional position, because he does not make much money and that he makes not much money in comparison to her. That is what I meant and I belief that concerns her and makes her anxious about the future and the security for her child and that is why she called into the show.

[@shep8242]

She needs to take out a good life insurance policy on him for more peace of mind

[@ashleyjones5396]

I left my job last June because I was stressed out with work plus had other stuff going on. Fast forward to now and I’m ready to go back to work. While waiting to see if someone would contact me about the applications I put in, I saw virtual Mental Health Counselors making $100k - $150k 🤔. I told my husband I may do that part time instead since I’m licensed and put the federal positions on the back burner!!!

[@TheTread123]

First it depends on where they live ,2nd peer pressure from friends and family and even colleagues,could be the profession that has these expectations. Am I on the right track so far? All hat ,no cattle as they say in Texas.

[@KH-vp4ni]

$100k is nothing for a family in an expensive area. We are in MA and make $100k and it is very tight.

[@nessapalmer5316]

It is hard to budget when your income is not consistent thats for sure but they need to downsize their cars and follow the baby steps

[@ericonca]

Easy, they just need a written budget and find where all the money goes

[@Tom-mu7zy]

I knew a pilot who was making $200K and wanted to take early retirement. His advisor said that because he signed up for the 4 plan, he couldn't. I didn't know what the 4 plan was and asked. He said, it was because he was married to his 4th wife, had 4 kids about to start college, a 4000 sq ft house with a $400K mortgate, a 40 foot boat at the marina and $400 in savings, he would have to work at least 4 more years.

[@Peanut-sam-tha-nut]

Why do these comments never address taxes. Does no one here pay them???

[@kennethroyer9949]

difference between wants and needs - [and damn well the difference]; I buy my wants from dividends and interest (never capital gains). Been doing this since I was 19 years old and I'm now 70.Not a real estate guy our house has been paid off for decades!

[@stevenporter863]

They need to clean up their mess before even thinking about a baby! Totally irresponsible. Example of combining two problems results in a dumpster fire.

[@kellygarvin7955]

Always great. TY Dave!

[@steveguti6452]

Urgent emergency please join me in prayer for all those affected people children animals deadly 8 alarm fire north Brunswick NJ warehouse they desperately need your prayers please pray for them God bless you all

[@Mo-oz8ie]

Added my prayers.

[@Boogerman9047]

I live paycheck to paycheck and it's not easy, I have debt of under $1000 that I am slowly chipping away at. I work and support my family financially and earn a base salary of around $450 which goes towards food and all of the other expenses. Not easy

[@kay22100]

Every time I read the comments I think these must be new followers. I’ve been listening to DR awhile. I’ve heard worse situations on here!! They can get out of the hole if they follow the steps. Her calling in is a great first step because she recognizes there’s a problem. THANKFULLY Dave isn’t like the people in the comments. He’s hard but actually care and want to help vs being totally arrogant and judgmental like you people lol

[@mtnmann72]

I’d love to make over $130 a year. I’d have double my savings for retirement.

[@patmichael8519]

Why do I have the feeling they're blowing their money on "good times"? They should not be living paycheck-to-paycheck with that large of an income.

[@Buggu3]

I don’t want to meet this therapist 😂

[@shenny.d]

This isn’t a money issue, this is a lifestyle issue. You gotta change your lifestyle first!

[@retirementbudgettravel699]

Great advice!! Thank you!!

[@Len_Villain]

Good stuff