“You’re Disorganized and Chaotic!”

[@Bluetreez]

I cook on Sunday and parcel out batches to heat up during the week. Solves being too tired to cook and helps me stay in nutrition.

[@sohhp79]

I do the same...bulk cooked my meals

[@KatieBellino]

Yes, not only does this tend to be better for your health, but it does prevent the temptation to grab take-out. Everyone gets tired on some weeknights, especially after a bad day. The key is to at least have some options to reach for on a bad night. Homemade "microwave" meals in individual containers in the freezer can be helpful too. As a single person, a lot of recipes make a number of portions, so eating (for example) 2 and freezing 2 works well because eventually there are a number of choices in the freezer.

[@petepeterson5337]

Good morning Ms. Roberts - That sounds terrific, and it sounds like you and your gang can enjoy most/all evenings.

[@show_me_your_kitties]

Okay

[@fabricemorfan]

Good idea 👍🏽

[@telishiajackson]

Ramsey be going off, but he never tells a lie. This message was not just for Janet, but for me as well.

[@liberator9248]

You go girl 👧

[@ainokea8080808]

Yo same😆

[@diceportz7107]

I keep hearing her say "But every week another bill comes due." No Shit! That is the way it works. And if you freeze a few meals ahead, you have your I-don't-feel-like-cooking days covered.

[@txcook1421]

Yes! The freezer is your friend (even if its just the freezer that's part of your refrigerator).

[@antiantipoda]

I just went to the US. I got frozen meals from Trader Joes. They were delicious and way cheaper than going out to eat. It is cheaper to cook, of course, but on a trip, trying out new things, not having to buy full size food that I wouldn't be able to finish and having to cook after walking 10 miles in a day... I loved it.

[@show_me_your_kitties]

I know she sounds like she's surprised lol

[@singerjo5791]

I keep a pizza and pre-cooked hamburger patties in the freezer for that very reason.

[@kristencampbell5533]

We freeze extra soups, taco meat, etc. when we cook for that very reason. We sometimes do an entire week of just eating out of the freezer when work gets stressful. We got to where it was hard to cook every night, and knew we needed a change, so now we cook big portions of meals Saturday and Sunday nights and then alternate leftovers of those all week. If we run out a day early, we have the freezer food, pasta, grilled cheese, that kid of thing. I also try to learn a lot of new recipes for things that taste REALLY GOOD, and keep fruits and snacks I actually like, to reduce temptation to eat out.

[@txcook1421]

The big black hole in many households is FOOD. It needs to be a line item in the weekly budget, and that's all you get to spend. If you want to order pizza Friday night, there has to be room in the food budget. FYI homemade pizza is delicious and easy to make; kids love choosing their own toppings. Take lunch to work or school; you'll save a fortune. Take kids to the library to check out books and movies. Have picnics in the park. Go to everything that's free in your town and at your church. You can get rid of debt and still have fun; it doesn't have to be all doom and gloom.

[@linuxsurfer2002]

Agree - it takes planning, and agreement by both spouses. And discipline!

[@sarabartel4285]

I agree! And homemade pizza is so much easier than people think.

[@Jane-rh7tc]

i think it's more on the small purchases ppl spent without thinking. A $30 pizza spending ppl are aware of, but a $5 coffee, a $1 bag of chips ppl think are so small and insignificant shouldn't make any impact on the budget, if everyone in the family think like that, it can add up to a very staggering amnt of extra spending each month

[@rg1whiteywins598]

Plus you can get good frozen pizzas for a reasonable price too especially on sale.

[@CatholicElectrician]

Libraries are widely ignored but there’s probably a library system in your state that has every book, movie, tv show you could want. If my local library doesn’t have it, I can request it with a click and it’ll be shipped there from a different library in a few days

[@thisoldbelair]

My wife and I have been living on a budget with everydollar for over 5 years and at this point we can’t live without a budget. We were just talking about this recently. Budgeting bring control and it brings peace.

[@curiouscat3384]

Yes - it's synonymous with "planning ahead". The only way I can eat healthy is to plan, shop and prep once a week so all my meals are quick and easy and I'm not wondering what to eat on my way home. It really helps to avoid those fast food or grocery store hot bar runs.

[@johnlanier3616]

I will never understand why people just can't live on less than what they make. It's so simple, yet people struggle with it. It's so easy

[@Jane-rh7tc]

because ppl in this country were raised to be taught to live above your means, all the credit cards and different loans are telling ppl you can borrow $$ to live a fancier life than your income. And most ppl don't have self control to block all those out

[@d_all_in]

They are children that can't leave the store without the toy

[@amalHope3]

Because they have credit cards. If they pay in cash, they buy only goods they can afford. The system encourages people to live beyond their means

[@AngieMcdonald-fu9nh]

They are not working enough hours. They have too much time to spend money and they need more income. They both need two weeknights+saturday jobs.

[@monicastricker3582]

I think it's perspective. I recently had my position eliminated. My new job was a pay cut. I decided to go even lower. I now live like I make $20 an hour. I'm also looking for a part time job that will go straight to my debt snowball.

[@ghost307]

The trick is to do your bills like an Accountant. Every penny is written down, both incoming money and outgoing money.

[@curiouscat3384]

including the morning coffee and the afternoon snickers bar and the popcorn at the theatre!

[@tyler9281]

I enjoyed Ken's insight there.

[@BarelyNoticedADD]

"I'm tired from all this work so I am going to go out to eat and give myself twice as much work to do tomorrow."

[@royalredus]

Taco Bell is sitting there going "Don't drag us into this!"

[@OopThereItIs77777]

Hahaha facts, it is trash though

[@susanedghill609]

🤣

[@bigmama818]

😂

[@cjusino85]

💯

[@annehajdu8654]

Taco Bell is cheaper than home cooking.

[@jaywalk6628]

I hate cooking but I hate BEING BROKE even more.

[@curiouscat3384]

Me too, but like Rachel says - there are lots of simple meals that are inexpensive and easy to make. I have a repertoire of 3 meals I rotate and alternate with a salad and a can of salmon :) I do like to make soups on Sunday morning which produces about 14 very nutritious main dishes

[@Tunechi65]

​@@curiouscat3384can of salmon? What the bloody shit? 🤢

[@curiouscat3384]

High quality RED salmon - not crappy Starkist pink salmon. I've been studying nutrition for a while now - it's just as nutritious as fresh (can't get fresh anyway unless you're an Alaskan or Norwegian fisherman) King Oscar is a good brand - try it! And please try not to talk to strangers with ugly language. @@Tunechi65

[@costco_pizza]

@@Tunechi65 A lot of people are struggling out there. We are suffering and we don’t know where our next meal is coming from. Sometimes canned salmon is all we can afford. I have no idea how we will get through this.

[@georgewagner7787]

A hotpot and a rice cooker are your best friends if you don't like cooking

[@jaywalk6628]

Wife and I just started baby step 7 last month, we have since chopped $500 monthly from the food budget, mostly from dining out.

[@Sweet_Southern_Pecan]

🎉Wow, congratulations to you both!🎉

[@Erikkurilla01]

Finance and Business books have been so helpful. I’m 55 and my wife 50 we are both retired with over $3 million in net worth and no debts. Currently living smart and frugal with our money. No longer putting blames on FED for our misfortunes. Saving and investing lifestyle in the stock market made it possible for us this early, even till now we earn weekly.

[@Lemariecooper]

You have done great for yourselves. I understand the fact that tomorrow isn't promised to anyone, but investing today is a hard thing to do for me now because I have no idea of how and where to invest in. I would be happy if you could advise me based on how you went about yours, as I am ready to go the passive income path.

[@jessicasquire]

That is so amazing, I’m trying to get onto the housing ladder at 40. I wish at 55 I will be testifying to similar success.

[@Erikkurilla01]

Credits to STEPHANIE KOPP MEEKS, she saw me through the process. You can glance her name up on the internet and verify her yourself. she has years of financial market experience.

[@Lemariecooper]

Heard many good recommendations about Stephanie Kopp Meeks by some YT channels, Seminars and other platforms

[@jessicasquire]

Thanks so much I was able to find her page and I already leave her a message.

[@Another80sClaire]

Printing out a blank monthly calendar and filling in your income and outgoings on a visual calendar can really helpful to see what is going in and out when.

[@curiouscat3384]

Visuals are good. When I was digging myself out of over-spending I looked at my budget and what I spent EVERY DAY!

[@desi4God]

Ken is saying , “Can I please talk”?! It’s all over his face lol 😅

[@JustinCase780]

And, maybe too much coffee and needs a potty break.

[@desi4God]

@@JustinCase780 😂😂

[@Chet_24]

He should probably was thinking about putting some vodka in the tumbler. May as well if you don't have to talk.

[@smokinhalf]

Dave is right you cannot be complacent about being broke. Get mad and fight your way out of debt.

[@menumlor9365]

When I get my paycheck I literally WRITE EVERYTHING down. I’ve been doing it for 10 years now. It works every time.

[@CC-fb9yj]

Ken really nailed it on this one.

[@McFraneth]

Frozen vegetables and a couple of fried eggs is a fast supper. You start the vegetables off and fry until crispy. Then push to the side of the pan. Crack in the eggs. Then pile the veg and eggs on top. Small glass of beer. Easy peasy. Frozen veg are a life saver.

[@kristencampbell5533]

We did something similar for lunch today, but with leftover veggies from the refrigerator. Stir fried the random veggie mix with some soy sauce, leftover ginger, garlic, and ate it with a fried egg for each of us on top. Yum!

[@jessicacarmen2458]

It's amazing how in one generation we've completely lost the ability to balance a checkbook. She can't do simple math and get organized. My dad was able to to know where every penny of his money went and recorded it in his checkbook.

[@clarifyingquestions]

Your dad was able but you didnt mention if you are able to balance a checkbook.

[@BlackMuslimConservative]

I'm quite sure every generation had some people that couldn't balance a checkbook.

[@clarifyingquestions]

@@BlackMuslimConservative but not every generation had credit cards and didnt save for a car, university, vacation, xmas presents, eating out etc etc etc.

[@Albert12893]

Me to lol

[@megansreadingrevelations]

It’s not a generation thing; it is a personal thing.

[@zzzarkka]

"we paid our bills 3 weeks past the due date then a week later, they're due again" Yeah no fucking shift. Ken's face was like WTF?

[@MikeyB_1972]

Use a desktop calendar and write in the bills on the day they're due, and it will help you by having sll of the bills kaid out i the weeks of the month. And then you add in the days that you get paid, and then you can write arrows from the payday to the bills that should be covered by that check. It will help you to visualize all of the flows of everything.

[@Lady.Luck.]

I have a spreadsheet with 31 lines on it. They correspond to each day of the month. I enter the positive incomes on the days im getting paid. And enter subtraction entries for the date the bills are coming out. If anything is coming out on the first of next month (or first week really) i include it on the 31st line so that the last check will cover it. At the bottom i do an equation to show any snowball or extra.

[@show_me_your_kitties]

Same. Everyone should have their finances on a spreadsheet.

[@peternguyen1911]

I’m so whiny for sure. It’s hard. But we’ve been sticking to our principles and we’re up to $980,000 net worth before 40 years old!

[@Videpedia101]

Great input from Ken once again

[@pepe_nasdaq_scalper]

Love Daves rant!!! 🎉🎉🎉😂😂😂

[@WhatIsThis-zq4hk]

5:24 Still waiting for the day that Ken can finish a sentence without Dave cutting him off. I guess today wasn't the day. Sorry Ken!

[@tatico3]

I was thinking the same thing 😅.

[@ronaldlindeman6136]

I think they do it for the increased drama. The pained look on their face adds to the show.

[@JustinCase780]

@@ronaldlindeman6136 He obviously needs to hit the can.

[@yeni_daughterOfGod]

Dave just loves to talk 😂😂

[@randy74989]

Dave loves to hear himself talk. Rice and beans, rice and beans, and rice and beans for this couple until they get their act together.

[@djpuplex]

I don't understand how people don't have budget and stick to it. I think Dave saw through her blame the husband excuse. Dave trying to get her to take accountability lol love when he did the woman's voice that was great.

[@thegenxgamerr]

It’s astounding. What a little discipline can do to change your life. Doesn’t have to be super intense just a little bit. This caller is a perfect example of it. She can’t. “get ahead” because she’s undisciplined.

[@42doodoochips]

Right on point. I use myself as an example. Was always “wondering where my money was going?” When I knew exactly where it was going. To B.S. lock in and stop buying what you don’t need and you’ll see some drastic changes

[@JustinCase780]

It's fun to eat out and not astounding.

[@ndwhitlow]

@@JustinCase780 Eating out when you cannot keep up with your bills is astounding

[@JustinCase780]

@@ndwhitlow Astounding? Not really. 🤣

[@MustardseedMomma68]

As someone who struggles with organizing, it’s hard to figure everything out. It’s taken me years to figure out how to budget. Bills come out at the same time , but paychecks come at different times. I liked it better when it came on the 1st and the 15th. It made it so much easier. But …it takes time, but I got it.

[@christinehopping]

1000% agree with Dave. When I hit the millionaire net worth, I started spending like I was in Congress losing sight of the principles that got me to become wealthy. I had to listen to Dave yell at his callers a few times to get me back on track. Thank you, Dave for screaming away my foolishness.

[@elyjane8316]

Also cooking your meals is a lot cheaper. What you need to do is make a menu, and shop that menu plan. Another tip is to make dinner as 4 portions - 2 portions fir lunch the next day. Not only cheaper but it's healthier.

[@angieg601]

Great advice. It would have been great to hear Ken's take on the situation, too.

[@marcuswashington461]

Ken can't get a word in!!lol

[@stephenrussell9545]

A couple of things I noticed is that it sounds like she started writing things down, but she either did it really fast without looking at everything, or maybe her head was in the sand, and didn't make the effort. Getting the first step down is vital, because once you actually start DOING the plan, you need to make sure you're not overspending in a certain budget area. Chances are she will lose her discipline and overspend (not that I EVER did that), but tracking things accurately will be her guide to help get back on track, which improves discipline, if she decides to do the work. Good luck and God Bless to this lady and her family!

[@KatieBellino]

The way she mentioned "all the little bills" did make me think that perhaps, she just forgot about bills they are subscribed to and it threw the budget off - Hulu, Netflix, Amazon, etc. Autopay can kill you if you forget you're subscribed to it.

[@stephenrussell9545]

@@KatieBellino I got that sense too. I love me some Netflix and Amazon, but they don't come for free! Those electronic payments don't seem real somehow, I've been there before. I will give her credit though, at least she started the process, which is more than most people do. Maybe this is what she needed to get things going on the right track.

[@rg1whiteywins598]

On a day off from work they can make a bunch of meals and freeze them. Then get something out in the morning and into fridge to be heated up at dinner time. There are boxed salads at most major grocery stores that are pre washed. Less energy used than going to a restaurant.

[@JerseyDevilJerseyGirl]

I hate when people say “yeah” or “right” instead of acknowledging what he’s saying with an actual reply.

[@kris2511]

THIS !! they reply with but

[@jillgott6567]

He usually tells people that it often takes 2-3 months to get a budget to work. But, I understand. I am tired of people who have a huge income or even a good income who can not pay their bills

[@pdxmusl1510]

Because its not an income problem. It never has been.

[@Winnie-Kay]

Groceries. Rent/Mortgage. Utilities. Transportation. Minimum payment on everything. Pay off lowest balance. Repeat.

[@1timothydillon]

Utilities come before housing.

[@Winnie-Kay]

@@1timothydillon stoopid autocorrect 😏😄

[@Primitive_Code]

Living for the Joneses interfere with people having common sense.

[@garymoses4142]

Live the plan ,write the plan, and do the plan. Only Uncle Dave. This one was for me.

[@onenikkione]

They both have to be 100% for this and working together on it. Sounds like they have to make a lot of changes in their life, starting with no access to "spending money".

[@Highlyguided40]

LMFAOOOOO I just saw “ Don’t be whiny” and I heard Dave’s voice 😂😂😂😂😂

[@patrickgunning6923]

They need a cashflow spreadsheet. The budget tells you what but your cashflow tells you when

[@RayTator]

I needed that lecture thank you

[@8356-4]

Go work at a few restaurants and see what goes on and you will be cured from ever wanting to go out to eat again.

[@stevegolacks8731]

10 plus year restaurant worker here, through high school and college....100% agree with you. People think they are so high society, and above others because "we go out to eat often"....what they dont realize is that the cooks handling your food are usually ex cons, and live in slum conditions. Not to mention, restaurants use THE CHEAPEST ingredients that are available. Overall, restaurants are gross. Cooks and waiters do some questionable things to your food when out of sight. Grocery shop and eat at home, its better for your gut and wallet.

[@8356-4]

@@stevegolacks8731 Yep...totally agree!

[@raminmajdi6202]

100% agreed!!

[@joyparker3116]

We loved like this with food all my life!😊

[@JAH-iu3yh]

TBH if anyone else is struggling with this obviously take Dave’s advice no matter how harsh it sounds ALSO mark your pay days on a calendar, AND write the name & amount of each bill on the same calendar. Look at it everyday. The rest is up to you!😊

[@patbhvac1]

I got to the point where I always have a extra three or four grand in my account. This way it doesn't matter when I get paid I just pay my bills all at once.

[@pattyajones]

If we are honest, MOST of us do this until we KNOW better. Love Dave's Brutal honesty tho. He's 100% right.

[@dinahcharles6502]

Live the plan, do the plan

[@williamho7393]

Eating out, there's the problem

[@lowtolerancelevel3776]

They have a travel trailer and bringing home home nearly 70 thousand a year. The eating out is one of them, but there's more to just eating out.

[@elizabethdumas4147]

People eat out way too much. It's bad for their finances and their nutrition. Who knows exactly what they're putting in that "food". If they write down EVERY bill they are paying for, they'll realize they don't really need Netflix etc. Do the baby steps and bask in the freedom of being in control of your money. Sacrifice a bit now and eventually you'll be able to enjoy the occasional splurge.

[@rossmcgreg6r642]

I love the Breakfast Crunchwrap!

[@angel-ij4xv]

send me one

[@stewbugz5213]

😂😂😂😂 I listened to this and transferred more money to savings lol. I love it when Dave goes off and does the “whiny” voice!

[@B7mechanics]

Dave be hitting that button with a vengeance sometimes lol

[@respectabletampodcast]

I needed this reminder. Thank you!

[@miguelsolache9954]

Thank you this helps I understand this caller

[@ironvoice5079]

"No whiney self" 😂😂😂😂😂😂😂😂

[@MyraChavez-dy6ip]

6:38 😂 no whiny self

[@LiquidRetro]

I wonder if Dave and his Wife still do a monthly budget planning for the next month.

[@LxTxSURGE]

thid happened to me i thought i could spend and still spend money pay bills and become rich but nope it does not work like that for some of us we have to hit the bottom, i even started washing my own clothing sometimes, cutting my own hair rifing on that vip bus, eating at home, everytime i can get free food or a snack i get so thrilled, i just need Max 4 months till im debt free 🎉🎉🎉

[@jsteger2009]

Wish they would tell people also, if something doesnt fit in the budget, cut it out. Cut out netflix/hbo/hulu/disney. Cut out expensive hobbies etc.

[@CurieBohr]

We can’t get ahead = no banks will give us more loans.

[@sunnyside287]

The moment you realise that anything you buy ready made is at least four times more expensive than the version you can make at home, and that restaurants are even more expensive, and Deliveroo makes double that, you start cooking at home a lot more!

[@taurusthebull76]

Sounds like they aren't on the same page... A part of me feels for those who have to work with a partner on finances. It can be difficult enough to discipline yourself... but to expect another to be super disciplined as well can be a constant uphill battle. Either it'll work x2 or can end up being a disaster.

[@meaganpearson2120]

if you write down your bills/budget etc and not do anything to change that, yeah nothing changes.

[@e1honor7doctorw]

I'll just point out that a box of macaroni or a spiced up package of ramen with frozen veggies is actually pretty decent. I have those kinds of options available for those nights when I'm more tired.

[@isay207]

Yes or cook a turkey freeze small portions to add meatballs or porkloin

[@linuxsurfer2002]

Planning for "being tired" helps too, as in "I remember being too tired to cook last week, so let's plan on one frozen pizza night."

[@justinusberger3933]

I bet you produce some rank farts after eating that

[@martinmi5]

Funny hearing Dave talk about nutrition 😆

[@MikeNapoli1989]

Right !!

[@MichaelHasebroock]

Dog food at Taco Bell, lolol. Hey, I like eating there when I'm tired 😂😂

[@kentondragon9263]

Before I click on a new clip I try and guess where the callers are from🤷‍♂️..today was my favorite: Boise, Idaho..I just love that name..hopefully one day I can go visit😊

[@stephanieharries7746]

😂 that was in the military and is this moment on this project I realized that he washed all the memories have been busted it bootcamp came through and I think he would have made a great recruit division commander in the Navy I can't speak for the other branches but I would say definitely I did have a marine person in charge of being in charge of me running us through 115 degree weather in the shade in the Middle East I can see him in the in my mind yelling at me saying what are you doing😂😮😮

[@resaboutb.9566]

What?

[@1timothydillon]

You can find a reason to do something, or you can make an excuse not to.

[@thomasd5488]

Lack of self discipline, giving in to your immediate gratification impulses, is the problem. I've heard Dave say, that the problem of getting out of debt and building wealth, is 75% behavior and 25% math. A man who make $10, and spend $11, (and goes into debt), is an unhappy man. A man who make $10, and spend $9, (and invests $1 in income producing assets), is a happy man.

[@pdxmusl1510]

I used to do the whole "i don't feel like cooking" thing. Then i realized that i can cook meals faster than i can go out to eat. Most restaurants around here are an hour commitment. 15 minute drive there. 15 minute drive back. 15-30 inside. Even the fast food is slow. And maybe more if i eat at home. Most of the meals i cook i can cook and clean up in about a half hour. And each meal lasts me several days where i just have to microwave. Restaurants are a waste of time and a huge waste of money. I stopped going to them. And i don't miss it at all.

[@cathyP1961]

Over estimate your bills for the year and divide it by 12 with extra money left for emergencies.

[@WolverineIncognito]

THIS is what I watch this channel for! 😂

[@alinatamashevich3354]

There is a hole in Janet's boat!

[@dougblair9613]

He didn't ask how big their car payments were, or their house payments. If they make 75 grand between two people, they probably do struggle. They probably have two car payments, a house payment, and they live in really expensive, Boise.

[@tyanabarnes6060]

It’s hard to be an adult. It takes literal work to be a RESPONSIBLE adult. If we were just taught how to take care of the household in school or by our families, we wouldn’t be in the crisis us Americans are in now.

[@curiouscat3384]

That was true in the 60's when I was growing up. I think when women went to work in the 70's the household and the children got leftovers in attention, loving and teaching.

[@Ostro1980]

Never disrespect taco bell.. I love it! 😂

[@Primitive_Code]

It's worse than dog food.

[@guitobandus]

What they fail to say to people struggling with budget is that you need to look at it every time BEFORE they make a purchase. If you don't have money in the category to eat out, you can't do it.

[@Wilky2526]

"Eating out" is a relative term - If we go to Chili's in the middle of the week during happy hour, we're probably spending less than if we're buying steaks at the grocery store.

[@KatieBellino]

Right, like, okay, I would like to spend $50 on eating out tonight, but is there something else in this budget that we can give up instead this month? Sometimes, there is and sometimes, you need to be honest with yourself that money is far too tight.

[@jimroscovius]

​@Wilky2526 Wrong! Don't buy steaks. Buy a pound of hamburger and mix it with noodles. We did that many times, and still do.

[@linuxsurfer2002]

But most people have a smartphone, and most budgeting apps can be used from your phone - so it's easy to check before you make the purchase if there is any confusion.

[@curiouscat3384]

That's what the Ramsey "EVERY DOLLAR" app is designed for. Pull out your phone before buying anything and it will tell you what your available balance is for that category and force you to adjust the budget right then - so you can visually see that you just used up some of the money that actually needs to be for something else.

[@rebeccaoprea9917]

Poor people stay poor by acting rich and rich people stay rich by acting poor.

[@robloxvids2233]

Thanks Jay Shetty.

[@rebeccaoprea9917]

@@robloxvids2233that’s a compliment .

[@robloxvids2233]

@@rebeccaoprea9917 You like to be compared to a vapid scam artist? Lol. That dude is the worst.

[@isay207]

Very true

[@randybuyers]

💯! I only spend 25% of my income. Takes discipline.

[@cpdrinkso]

Blessings

[@patriotdrone9566]

Owe money on a travel trailer and only make 70K gross income?! Welp, that explains a lot. If you're making 35k each you both need better jobs or change your lifestyle significantly.

[@actuallyterry]

They are not budgeting correctly and they are OBVIOUSLY not following whatever they are writing down.

[@TeresaS-q7x]

It's incredible that people can say they are bringing in 70K, 80K, sometimes 120K + and they just cant' get a handle on it. In the case of this caller $6,500 / month and can't get it together, wow! Just goes to show what debt can do a person, couple, family, whoever.

[@Albert12893]

What a man Dave Ramsay,total legend

[@RawVeganGinger]

How to get ahead? Sell everything that isn't a need and become a minimalist. "Stuff" will take over your life preventing you from "getting ahead".

[@ering7733]

I’m not sure that’s what she was even asking 🙄 But yes you have to include sinking funds and true expenses so these non monthly bills etc don’t sneak up on you. May need to get a side job to help start with snowball method if you can only afford minimum monthly payments

[@jimroscovius]

These people have enough. Their just disorganized. My wife and I go out on Friday nights. Nothing fancy - just to enjoy the evening. But we are on Step 7, we're investing, and have no debt. We can afford it, or we wouldn't do it. Our cruise we booked for next year is all paid for. You've got to plan ahead.

[@resaboutb.9566]

Caller said she *tries* to work on a budget, but "there are so many little bills ..." I'll bet she wish she could take that comment back! Dave was all over that like powdered sugar on a donut.

[@joediamond5933]

Tips and tricks to paying your bills?

[@tdgdbs1]

Eating out is ruining it for a lot of folks and not just financially

[@only_6486]

Junk food is addictive, which why people are going back there repeatedly, not just for convenience.

[@georgewagner7787]

I'm retiring after December and trying to figure out how to keep my food budget to 50 a week. Today I spent 38 at Circus Fruit

[@justjill2896]

They are to tired to cook but not to tired to go out and eat in a restaurant

[@janisegott5185]

I agree overall with Dave but IMO he should've addressed and given constructive advice on the issue of not writing down all the bills/forgetting a bill/expense. It may sound irresponsible, and it is, but the issue of forgetting about this subscription service or that automatic payment and so on is a real thing for many especially when there's a lot of bills and someone is new to budgeting.

[@theburnetts]

I don't think this woman is being a princess that wants to eat out or is spending wildly. I think the problem is that she literally does not have the ability to think through an upcoming month's bills and expenses clearly. I have dealt with people who just actually are unable to think logically and be organized. My guess is that she sits down at the beginning of a month and writes down her expected bills and expenses for the month - then during the month a bunch of bills come in that she wasn't expecting because she is disorganized and clueless about what her actual bills are. I've seen people who literally have no idea what automatic payments and bills they have scheduled for a month. They have no clue that their Costco membership is due or that they vehicle registration is due or they forget about the kid's soccer registration or the Amazon prime membership or their Spotify account etc, etc. And every month they are blindsided by a bunch of stuff they didn't plan for.

[@amygunn6442]

Whether you believe you CAN or you CAN'T, you're right.

[@jaysleeper264]

"but how do we get ahead" x9 It doesnt magically go away! You have to write them down and budget those past dues. To catch up THEN you get ahead

[@Pablo-cs5sc]

"Dog food at Taco bell" 😭

[@Jawrathful]

It's insane how easy budgeting can be. It should be a requirement that you don't graduate H.S. til you know how to budget!

[@pdxmusl1510]

The problem with school is its not there job to teach useful skills ;)

[@nildabridgeman8104]

Taco HELL.. especially on your digestive tract.. 💩

[@CatholicElectrician]

Keep a few ramen cups in your pantry. It’s not something you’ll want to have very often, but if you have something that’s that easy to make, you have no excuse to go out to eat

[@rebeccaoprea9917]

Sometimes we need to hit someone in the head with the truth so they can get out of their own narrative, the story they tell themselves.