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[@kokoskokso]

So dude called to ask if he could work less & spend more time with the family and got told to work twice as much instead 🤣

[@donaldlyons17]

Dave is not going to tell people to work less when he thinks they don't make enough money to do so. I just know for some on this show increasing their incomes and purchasing power is difficult because they got into debt. Income is his problem not his behavior!!!!

[@MisterPenguin42]

He knew who he was calling, not a fan of the tough love style of Ramsey, but I would've said the exact same thing while I stewed in my own hypocrisy.

[@kachtev]

@@MisterPenguin42 how are you not a fan of his lifestyle. He asks us to stop spending money we don't have and repay all our debt because we are just slaves to the lender

[@MisterPenguin42]

@@kachtev you misread my comment. try again

[@rickjames4031]

Words of a GOOD friend!

[@tanksherman9875]

$70k in student loans to earn $45k handing out donated clothing to foster kids, a job that doesn’t require a degree🙃

[@sbentsen2714]

Dang hard truth, oof. Yeah it's true though

[@Ovulations]

He’s managing it. Which means he’s got the experience to go somewhere else and make more

[@sergiohernandez-fz2xx]

@@Ovulations anybody can do that

[@Ovulations]

@@sergiohernandez-fz2xx sure anyone can but they likely won’t hire you without the experience and education unfortunately

[@rthellman]

Right! It's a nice job this guy is doing, but go into something that makes money and then come back and volunteer at the non profit when you can.

[@Mr_Fairdale]

“I work for a non profit” = “I make no profits” Sad but true.

[@tristanthrelkeld7057]

"I have a masters degree in social work and work part time for a charity why am I broke Dave?"

[@libbysworld7649]

Yes I did that for over 20 years of my life. That is so true. I have no bachelor's degree I have an associates and I make A LOT MORE than this poor man. He needs to upgrade his earnings!

[@adamseidel9780]

You can make a good or very good loving working at the right type of nonprofits. Maybe not as much as the equivalent pay in the for profit sector, but with excellent side benefits in lifestyle, free time, etc.

[@donaldlyons17]

@@libbysworld7649 Lost of people don’t make much with or without the degree because the degree is not the only factor!!! It like me saying I have X for these reasons but those are not the only reasons.

[@allanc2827]

My cousin is the director of a non-profit corporation--a large urban hospital. He is an M.D., and his salary is $3 million a year. So it depends on the non-profit.

[@jumpiam8477]

His total household income is $112k. Honestly, that's a lot more than many families in the US. He can pay off the debts if he focus on it. Don't add anymore debts!

[@Daffodils2Daisies]

Yep, double what we make lol.

[@christinewatson1989]

That's my income and even with no debt, no dependents, it is hard to get by where I live because the cost of living is insane. Gotta take into account location.

[@mysocalledknife07]

The wife makes more than half of that, and I'm certain that factors into spending and budget decisions (and the arguments that ensue, as well)

[@sagatuppercut2960]

And don't add anymore babies!

[@dondada4470]

@@christinewatson1989 112k a year, no debt or dependents and it’s hard to get by?? Maybe you should call Dave lol

[@Michael-ft9pm]

Life is hard. Picking a dumb degree makes life harder. This is coming from a professor.

[@angel-ij4xv]

no wonder why these young kids can't pay off college it's a rip off

[@donaldlyons17]

Life is easy or hard depending on many factors. As we know from KZbin it is not equally hard so I can’t say life is hard because for some it just isn’t.

[@FunTimeStudios82]

Professor in left handed puppetry?

[@Michael-ft9pm]

@@FunTimeStudios82 Math

[@Michael-ft9pm]

@@FunTimeStudios82 Math

[@David-wo9un]

I really do like Rachel; I like the way she talks to people while dispensing financial advice.

[@KLA2789]

@@littlebob1261 what do you mean?

[@paulbrungardt9823]

Do you really mean that you would like to "Do" Rachel.

[@matthewgardner2144]

@@KLA2789 Clearly I'm not little bob, but Dave fired a single woman who worked for RA when she became pregnant. Because that's what Jesus would do, right?

[@tyroneshoelaces9742]

Yup. But Deloney is way too cool for me.

[@bradtrades]

Rachel s very smart and communicates clearly.

[@fray3dendsofsanity]

This guy diversified his loans and debts to the max lol, he’s got every type!

[@soapa4279]

He heard about diversifying and building a portfolio. But he did it with different types of debt. lol

[@cl8wnm5n]

🤣🤣🤣

[@BlakeWheelersBurnerAccount]

Diversified Debt! Sounds like a company a scammer would run 🤣 I will teach you how to diversify your debt so you can have a lot of the things that matter! (really doesn’t matter)

[@crzyruskie86]

Im so glad John gave it to him straight. He needs to stop helping others with the rightous job while his family suffers. Just like Dave says, live like no one else right now so you can live and give like nobody else later when you're on top.

[@donaldlyons17]

Even so if he is broke he has some type of problem anyway!!!

[@littleripper312]

Exactly, and why would he need to go to grad school, shelling out more money for poverty level salaries? I know so many people who didn't go to college that make more than this guy. I'm a dropout selling artwork and I make more than this guy per year... I'm also single, debt free and child free so I can't imagine what this guy is thinking.

[@theirmom4723]

@@littleripper312 I thought it was the wife going to grad school to become a counselor?

[@BestShootermanUbz]

@@theirmom4723 You’re right, people just don’t listen properly sometimes lol

[@LiquidRetro]

Spending $70k for a degree in family studies to earn $45k is the problem here, his wife earning $67k for being a 3rd grade teacher is far above average. Way to go. Get a better job, keep working a second job and dig out. The only way the second job doesn't make sense is if child care costs more. The thought of quitting is financial insanity.

[@shiftautomotive854]

he could go get his cdl and could be making well over 70k a year

[@tompain2751]

@@shiftautomotive854 He wouldn't see his family much.

[@shiftautomotive854]

@@tompain2751 i'm a local driver and I get plenty of home time with my family

[@tompain2751]

@@shiftautomotive854 I am too. However, I didn't start there, or make good money, right away.

[@matthewgardner2144]

@@shiftautomotive854 Not everyone's going to do what you're doing. Good for you and glad you like your job, but it's not for everybody.

[@alexandermarcus7646]

This video truly makes one wonder what these people go to school for. "I have a degree" means nothing if your ability to reason is this compromised.

[@angel-ij4xv]

college is nothing but a business

[@dasmesser1]

"I have a degree" means the same as "I have an expensive tool". There are people that use said expensive tools to get money, there are those who buy them and do nothing with them or just treat them as a hobby.

[@tonythaiger93]

Bunch of univ professors cannot get a real job outside of campuses

[@Dbeaves2493]

Why go back to grad school when your bachelor's was useless.

[@jv6miata]

@@dasmesser1Right, it's like the difference between spending $500 on an electric impact wrench, or spending $500 on a Volkswagen fuel line puller or some shit

[@sethwilson6321]

Dr Delony just validated me and it feels great. I have two jobs around 60-65 hours a week and everyone tells me… your gonna burn out” slow down” but not when your broke it’s time to get it done

[@stoundingresults]

When you see your $1,000+ paycheck you won't be burned out.

[@utunum1799]

Just a heads up, burnout is real. I used to work 80hrs a week, it makes you irritable, grumpy, and tired all the time. Some advice that I heard recently that made so much sense to me "Burnout doesn't happen from working too much, it comes from not seeing your goal" I did all those hours, just because. Now I work about 60-70 hours a week, but feel great 👍. Get it bro!!

[@SwimSweetie100]

I had two jobs, I burned out real quick. Not good to do it long term

[@taylorsantoro9146]

You got this bro!

[@fortunateson2]

@@utunum1799 I'd rather be tired than broke is what I always say. Being broke is a disease.

[@inmate0054]

Bachelor in family studies and struggling to take care of his own family. Worthless degree. Like having a finance degree and broke

[@summerforever6736]

Bachelor in bible reading is better!!! pays more

[@ASLunar]

The irony.

[@garrenshot]

The position he's in totally doesn't need a degree either

[@lovethemflowers]

@bruce sanchez - Dave once said a broke person with a financial degree is like a shop teacher with missing fingers.

[@11bravo1789]

Family studies. Good lord. What even is that

[@Julia-dy6ov]

86k in student debt to make 45k? yikes

[@ashtherebel2346]

You can pay it off in 4years. Long time but possible!

[@roadrunner9622]

​@@ashtherebel2346Making $45k/yr? Don't be an idiot.

[@menderiic0895]

A highly diversified debt🤣🤣

[@todd2456]

Notice how he listed his debts smallest to largest. At least he's aware of the plan and the numbers to get there. But those are some big chunks.

[@lovethemflowers]

I was impressed that he had all the figures ready.

[@toddmaek5436]

Nice name sir

[@benzmane7564]

Kills me to hear story after story like this "240k in debt, wife could be making 67k a year, but I think we want her to be in grad school and so we wanna dig this hole even deeper"

[@jimmymcgill6778]

If it cost like 15k, and she can get a 10k raise. Than it's worth it.

[@jimroscovius]

She should be working and making her $67k salary. That's what we did - we both worked, even wirth kids.

[@adamseidel9780]

She’s going through grad school while working, which is what most teachers do

[@megalodon1726]

@@jimmymcgill6778 not while they're so heavily in debt. They should pay off most or all of their debt, then she can go back to grad school.

[@benzmane7564]

@@adamseidel9780 not full time and not with her having young kids.

[@johnpc14]

One of the better non-Dave calls yet

[@johndone8045]

1800 card and 3500 car is not a problem, u NEED A FOR PROFIT JOB

[@w7855]

Very enjoyable call. Paul is a level headed guy. He and his family will get this sorted out, I believe in them.

[@sbentsen2714]

I do too it didn't sound like he was deflecting or in denial

[@mplslawnguy3389]

How do people get themselves in these situations? People are way way too comfortable with debt these days. I psychologically could not handle being in that situation.

[@KellyMichaelsTV]

It doesn't help that here in the US they will let you finance almost anything, and that's the green light most people need to pull the trigger on a purchase.

[@freddiemoses467]

So true. Talk about debt to my grandparents (who are dead now) and they would always be proud that they never took on debt…to them it was a dirty word. It’s become a norm in todays society and it’s not a good thing

[@karenk2409]

Me neither! I'm allergic! And that's before I found Dave Ramsey, my financial soulmate.

[@travelnurseadventures3225]

Love that John asked the caller what they do for a living-I love to learn what people do and what they make.

[@sobeliever1638]

On shows like this but in peron I find it so annoying when people ask that question when you first meet them. I never ask people what they or their spouse does. People make assumptions about you when they know your job and guesstimate your income status so I never tell people what we do lest they think we are rich. I always let the the other person ask. If you are going to friends or close acquaintances then that subject will come up. No need to lead with that.

[@travelnurseadventures3225]

@@sobeliever1638 i agree-u so right on that one, I’m asked all the time to my face as a travel nurse-even by the management!!!it is rude in person. For financial education like youtube it’s great cause lots of college students need to know their rate of return with their majors 🎉

[@RS-pv2nf]

I like the confidence with which he said he had a degree in “family studies”

[@ZukoTheShinigami]

😂😂

[@King_Arthur_]

WTH is that? I can't believe this is a real degree.

[@jimroscovius]

Waste of money spent on college.

[@front331]

It's practically German Poka History. Or masters in Czechoslovakian studies.

[@wbae1340]

I agree. I will say my friend did that but went into PA school (took all science prereqs as well, making 100k+

[@Ja50nkAt]

Working for a non profit is nice but it will never pay enough. A man must earn for his family whether he likes it or not.

[@LiquidRetro]

Once they are financially stable he can go work for the non profit but right now he needs to chance the dollars for a while. Spending $70k for a degree to earn $45k is what's wrong here.

[@Shay-yg7nm]

Bachelor degree in " family studies". The writing was on the wall. No wonder he's broke

[@mrlolmaster1019]

doing family studies at university is like learning how to do an abortion at the Vatican

[@sagepirotess6312]

I wont say he is broke off the degree. 45k is between 30 and 60k average USA salary. And his family makes over 100k something most dont. But yes bad financial decisions.

[@semosancus5506]

What does one even study in family studies?

[@HHHPedigrees]

@@semosancus5506 Families of course

[@rmcclure21]

Another option for Paul, if he’s as articulate in writing as he is speaking, is to contractually grant write for the nonprofit he currently works for. He would need to negotiate it so that he gets paid an hourly rate for the grant writing, which is on top of his current salary, but he could easily double his income, not have to change jobs, and still have time left over to spend time with his family if he organizes his time well. Further, doing that also puts the nonprofit in a better financial position so it can pay him more.

[@doublet8142]

I can't breath just listening to this...😳

[@ericnathanguel]

Dude's got a household income of over 100K, probably twice the national average. Yes he's got some debt to get through, but it's not like his household is making peanuts.

[@vh1775]

Rachelle with her arms folder and leaning back looks so much like her dad 😀

[@TheEdward1953]

Rachel is very kind and considerate to people

[@berry7751]

She's nicer than dave

[@micahwatson9017]

People think college and a degree will make them smart. 🤦‍♂️

[@DanielPannell]

Rachel’s facial expressions make this fantastic.

[@chikipichi5280]

A bachelor in family studies 😭

[@adriellopez8546]

Still trying to find out what that is

[@kenyattaknox5163]

@@adriellopez8546 it’s a degree for people who want to take the counseling track. LPC to PHD in psychology. Most universities combine it with Human Development.

[@bm4551]

The way Dr. John says “you are broke” I find it funny.

[@kylemccarthy02]

His heart is in the right place working that job but sadly those types of jobs don’t pay the bills well

[@Steve-eb8jc]

arguable. What kind of financial future is he setting up for his family? Those kids won't ever see a dime of college savings

[@samh5218]

Right? It sounds like an amazing organization. But they definitely don’t pay big buck.

[@debbieanderson6740]

Love this guys heart. Fighting the good fight to help foster kids. I want to do this same thing. However his debt is glaring. Can't ignore it. Get a part time job delivering pizza for at night. Don't think graduate school is the smartest thing unless it is by scholarship. Get the debt under control.

[@KellyMichaelsTV]

Wife is probably miserable in the classroom. COunsling is an escape.

[@kokoskokso]

If you can't imagine any job behind a certain degree that just tells you all about the utility of said degree

[@tmusa2002]

I’m exhausted from just listening to that story. They are in the right place calling Ramsey. I hope they follow the plan. ❤

[@cato451]

Yikes. No you can’t quit anything pal

[@haywood4299]

Going over 100k in debt to get a job that pays 45k is pure idiocy. It just boggles the mind how stupid people are. They would rather go around bragging about worthless degrees and useless titles while being broke instead of getting real jobs. How does it require a 4 year degree to work at a charity collecting stuff to give to poor kids?

[@xfhnhhgjbvcfg]

Especially since you can make nearly that managing a McDonald's

[@norbs4004]

Don't forget he was brain washed to attempt grad school on top of that lol.

[@yarrdayarrdayarrda]

@@norbs4004 The grad school was for the wife, not for him.

[@yarrdayarrdayarrda]

Technically 112K. Wife makes 67K.

[@jonharwood1639]

Golly you don't sugar coat things do you? 😂

[@DevarshT435]

I like John- he is straightforward

[@nocigar7730]

Student loans. What a complete racket. Glad i never went to school and went to work at 17 instead.

[@gcromer903]

Best personality combo = Rachel and Dr. John. Details, listening, and straight talk. Well done

[@lissetsanchez5316]

Give it to him straight John! Great call! I hope he adheres to their advice.

[@kimmykero2421]

I couldn't agree more!

[@gavinlocke2301]

Such a good show. Its great that people can ring up and get real advice from smart people!

[@anthonylangford7797]

That's how they make their money!

[@briancarlisi2224]

HVAC loan at $12k is crazy. Guy spends money like it’s grown on trees. He needs to learn personal finance vs. janitor work on the side. Once he has gotten ahold of this then take on a new better paying side job as suggested.

[@griezhial]

Got a new HVAC installed here in CA and it was $17K

[@LiquidRetro]

Probably not that crazy if your HVAC failed and it needed replaced.

[@jimmymcgill6778]

@@griezhial Window units are cheaper.

[@cutenobi]

12k for HVAC?! People forget how life was before central air/heat. I would have looked into window units.

[@aolvaar8792]

@@cutenobi 115 degrees today, part of an 8-day run above 110. My A/C went out Friday morning, New cold air early afternoon Saturday. $8K, 4-ton gas pack.

[@vjs4539]

he paid 70 thousand dollars for a totally worthless degree

[@karenjensen2345]

So insane

[@kfitz192]

It's not worthless.

[@sudsmakemelatonin]

This was amazing advice, I hope the best for his family

[@lanceehrsam8296]

Guy didn't seem to get how big of a hole he's in until John broke it down.

[@donaldlyons17]

The dude knew his debts from smallest to largest so I thinks he knew but was focusing on each one at a time.

[@TheEdward1953]

She’s not critical she uses words rightly thank you Rachel

[@AdamGbl95]

They always leave out the anxiety part. I don't know anyone who can work full time then another job from 530pm to 1130 pm and still keep their sanity and health. Time is the most valuable asset. He should be finding a side gig or even some sort of quick-learning skill that pays well. Overworking yourself is unhealthy. You could get into a car wreck on the way there or home from all the fatigue....or get hurt at work overdoing it.

[@BigPhil2024]

The irony of him working for a non-profit organisation.

[@wread1982]

He’s on his way to be the opposite of a millionaire

[@random-nz7dy]

@@wread1982 Dave needs to do a reverse millionaire theme hour and interview people a million dollars in debt

[@wread1982]

@@random-nz7dy he’s interview several

[@BigPhil2024]

@@wread1982 a debt millionaire.

[@luisasterioquerubin6829]

@@BigPhil2024 maybe just make a plan and then evaluate from that point...

[@claubit32]

Rachel, you’re doing a such a great job!😊

[@jordanmcmurray5785]

“It doesn’t pay as much now that I know what I’m doing because it doesn’t take as long and its hourly.” Why was this glossed over? That is ridiculous, I occasionally see businesses with models like that and don’t get it. I pay my contractors MORE when they finish work ahead of time. That’s how you lose good workers.

[@donaldlyons17]

Not if they are stuck there!!

[@genxx2724]

Hourly incentivizes workers to dawdle.

[@sharonfleshman6961]

If he wants to spend time with the baby, find a remote job that makes more money and can be done in the evenings. He takes care of the child during the day while she works. She takes care of the child in the evening while he works. No child care costs. I can't imagine asking a woman who has just had a child to work full time and go to school even part time. If she wants the masters she needs to look at things like taking classes in the summer, and/or having the school district pay for classes as "continuing ed".

[@genxx2724]

Likely she’s the one earning the family’s medical insurance through her teaching job. Sad that the family’s security depends on a woman who just had a baby.

[@Meinvt]

I didn’t hear that she was paying for the grad degree. She’s a young teacher. She might be required to have a masters and is certainly required to do much continuing Ed, but the school district might be paying a chunk.

[@tmusa2002]

Great and necessary advice.

[@mariannuckle4737]

A perfect example of people who want to do everything immediately, and put themselves in deep debt to make it happens!! 😢😢

[@ShaneRM878]

What the actual hell is family studies?

[@Frissdas1207]

They're not even close to broke. They 112k a year. They just need to stop wasting their income.

[@random-nz7dy]

There was a call once where Dave was talking to a lady and ended the call by saying "America, do not repeat Deborah's life" 😂😂😂 I'll never forget that. With calls like this just substitute the new caller's name for Deborah LOL

[@biggerboysfeed]

@@genxx2724 would love to see these episodes

[@chris.shamblin]

I've noticed after watching several videos that Dr. John sometimes alternates between writing with his left-hand and his right-hand. That's cool.

[@barbieblue3336]

The friendlier people are in the beginning, the more upset they are

[@fahmiahmed8398]

Great advice

[@5thdimensionliving727]

Thx for giving this caller a reality check 😮 there are priorities and their priorities..if you land up in debt, paying it off will give you the freedom to fulfil your dreams😊

[@SuperpowerBroadcasting]

I didn’t realize you could get a degree in family studies

[@enriquejaimes3368]

You can get any degree you want if you pay for it lol

[@KSMO1031]

I worked 60-70 hours a week until I was 50. Debt free for over a decade and have a great retirement. A bachelor's degree in Family Studies for $70K. That's what's wrong with higher education.

[@moak08]

What skills do you learn in “families studies” which are highly in demand??

[@DisabilityExams]

How to spend money he doesn't have

[@donaldlyons17]

@@DisabilityExams lots of people spend money they don’t have that what debt is right?

[@FunTimeStudios82]

John: you’re broke Caller: 😁

[@joebidenisyourpresidentget2481]

Not broke enough, he needs a 70k truck making only 25k a year.

[@nicholasmartinez6043]

This was like every other call back in the 2016 time frame

[@jhnpttn1234y6]

Let's go brandon!

[@JustAName-it5qp]

End of quote, repeat the line

[@mluterancik]

🤣 Let's go Brandon. Build Back Better baby!

[@mluterancik]

@@JustAName-it5qp 🤣🤣🤣

[@lisab8533]

Great advice as always! Thank you guys! Just noticed two lefties, me too!

[@rebelgreen2398]

45+67= 112k . That’s more than enough for a family to live comfortably on. No need to get a second job. Just control stupid spending habits.

[@reese85]

More than enough, really?

[@rebelgreen2398]

Sure, if you can’t live on 100k, you’re being wasteful.

[@reese85]

@@rebelgreen2398 not really! 100k combined income for a family is not a lot of money

[@reese85]

@@rebelgreen2398 you would have to cut back so much to just get by

[@rebelgreen2398]

I guess it depends on where you live in the US. I don’t think the caller says where they live. We live in the south and 100k goes a lot farther than it would up north.

[@mistiinseattle]

I don't think the family studies factories are hiring right now.

[@bettysmith4527]

😂 I know, he is up to his eyeballs in school loan debt for a useless degree!

[@mistiinseattle]

@@bettysmith4527 haha I admit I have a useless degree too but was not up to eyeballs in debt for it and did manage to earn a decent living (thanks to the subject I minored in). And I know mine is worthless and affectionate refer to it as "funology." 😁

[@clairewillow6475]

@@mistiinseattle what was your major in? My minor is also more practical/marketable than my major but, it’s because I realized half way through that I wouldn’t graduate unless I took it easy. School was causing me to have mental breakdowns

[@mistiinseattle]

@@clairewillow6475 lol you really want me to say in public? lol okay, Sociology. But I did manage to support myself all these years haha and I do very much value my college years. I had no idea what to major in so I kept changing it and that is what I ended up with. "Funology." 😁😁😁

[@clairewillow6475]

@@mistiinseattle that’s not so bad! You could be like simplynailogical and work in crime statistics or something

[@armandoc2584]

It’s insane how much debt people get into with nowhere near the income to pay it

[@themusicman669]

Because it’s become normalized by society

[@livurelife]

The issue is in general most people make a decent salary, but people Don’t live within their means. The key is to live within your means and you’ll avoid over inflated stress. My parents made less than $40,000 combined and they were able to pay the house in 15 years and the only debt they had was the house. My dad bought a used car and they didn’t have any other debt.

[@elhombrebilingue]

Scary how nonchalant people are about being 200k in debt 🤦‍♂️

[@mandod3409]

Paul took diversification to another level.

[@freebird7284]

this is one lady i wouldn't mind telling me what to do, she makes you know it's the right thing.

[@johnpichla9557]

Glad I'm single bachelor with no children 🤣

[@AlphaAchilles]

I was waiting for John Baloney to ask, “are you safe?”

[@cedricatmoore]

God Bless You all with realistic measure that need to be taken.

[@andyyoung6246]

Good one guys

[@MoneyTeam507]

Her voice ❤️‍🔥

[@NICKI814]

McDonald's doesn't pay $20 an hour LOL

[@JakeStewart1343]

CALIFORNIA: HOLD MY BEER 🍺 ON APRIL FOOLS DAY 2024 😂

[@YESHUA_AKBAR_345]

Did he really just ask should he quit his side job to spend more time with his family??? No you are broke!!!

[@GatoradeAppreciator]

Listen. This is a man who took out immense student debt to finance a degree in "Family Studies." This is par for the course lol

[@irishchocolate3872]

Sometimes it is a hard decision to make. People need to ask themselves if they want to pursue their passion or have a family. Unfortunately, if your passion keeps you under paid, then forego the family. Or have a family but get a job where you can support them. Unfortunately, in life many times it is an either or scenario.

[@blackworldtraveler3711]

Many that have a family in the most unplanned financially stupid ways still want to live like a debt free family,couple with no kids,single people,wealthy,etc..

[@mheninger99]

His part time job needs to change, he said he gets pd per hour and now that he knows how to do all the job, he is quicker at it, so gets pd less. Yes that job needs to change. A better full time job would be great!

[@donaldlyons17]

@@irishchocolate3872 so true but bad because with money it does not work both ways. You either have it do you have to make debts to have it.

[@jasontaylor8283]

Bachelors in Family Studies 🤣🤣🤣🤣🤣🤣

[@jorgepadilla9945]

time so start shopping at the 99Cent store.. and start that side hustle on the weekends.

[@kara2162]

Nope. This guy spent WAY too much going into debt to work for a non-profit.

[@Poodie51zero]

Thanks for the MD comment. Can’t be to much pride to go get that EASY money

[@mrcloudd1056]

They make it sound so simple to just go and get a job that pays 60K per year. I make $45k from my full time job and I work a second job because I haven't been able to get a job that pays 60K. These people just copy and paste the same out of touch answers for everyone.

[@reese85]

He can prob find a diff job and negotiate that extra 15k a year, or he could just get a better 2nd job! He’s just trying to make up 15k

[@nigelalex7233]

Yeah, that's the only thing I disagree with them on... I guess they're so used to callers making 70k and up they're a tad out of touch with the fact that avg salary in some states is around 50k

[@ricksanchezsflask8794]

That's a pretty decent income for a couple even with a child. Something tells me the money is being spent on useless stuff and not debt. Also, grad school to become a guidance counselor? No. Just...no.

[@front331]

Masters of Czechoslovakian studies.

[@jackiebridgen4827]

I could not love Dr. John more. ❤

[@tc2gone]

😂You are broke ( cmon bruh )

[@GigaChad_169]

"I borrowed +$70k in student loans to make $40k a year"...yikes...

[@anthonydooley3616]

OMG! Grad school can wait. Non-profit sounds noble, but low paying. Make the non-profit the side gig and get a real job.

[@gbb82]

“It is far better to dedicate your life to one individual than to fight for the liberation of the masses”.

[@andreaj8319]

Working at McDonald’s for $20 an hour? Lol

[@neoalley]

He's not that off.... Here if you take the hardest shifts to fill, it's $17/hrs. And one of them is the 11pm - 6am shift.

[@ConnieFoster1]

And then she wants to go get a masters??? Just quit with school already 🙄

[@manello2114]

how tf were they thinking they could live off one income when neither really had stellar incomes

[@ke6264]

I hope he listens

[@melissaa.7970]

I only have mortgage debt and paying it down quickly as I can and my stress is finding a second job to pay it down even faster..

[@karenk2409]

The racket that we have that lures kids into huge student debts is absolutely ridiculous! There are many avenues to an accredited college degree that don't do that to you. I have financed 5 (five) college degrees in my long life, with absolutely no debt. Mine, my husband's (help of GI bill), 2 daughters, my MA and currently my Phd. I know how to do this. The way college is marketed is a total money-making racket.