$100K in Debt and a Baby on the Way
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- Опубликовано: 13 сен 2024
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My friend just threw a lavish wedding (about 50k) when he and his wife were already 100k in debt from student loans alone. Now they are planning a baby. Im always in awe how this debt and reckless spending never stressed these people out. They should do a Netflex series on whats going on in the minds of these people
OMG RIGHT!! Know so many medical professionals that are deep in debt but plan a wedding in Turk and Caicos!!
Are their incomes high? I would assume they are if they're spending 50 grand on a wedding.
Your friend is an idiot haha
Calling her out is the nicest thing anyone has done for her.
Jade went into “Jade Ramsey” mode here 😅. I like how she has grown in this role.
Jade was not having any of it. 🤣
My favorite on the show.
Yep, Jade is absolutely the most Dave-like of all the personalities, good combo with George
She's my new favorite Co host
Lol
Credit cards, expensive cars, student loans she doesn’t need, doesn’t know her own income or his, and IRS debt. It’s about as dumb as it gets. The question to ask people like this is “do you want to keep being an idiot and digging deeper and deeper, or do you want to grow up and be a little bit on top of your own life?”
My favourite, breeding a dumber version of themselves.
I live alone and only make $3,600 a month after taxes and don't struggle like this. I say "only" because $3,600 might not seem like a lot to most people but I'm able to pay all of my bills and have an emergency fund as well.
Literally same. It’s the person, not the cash.
Yes. The thing that drives me crazy about the Ramsey Show is that they lose touch with the Middle Class. 5000 a month is good money in America. They should have been able to live fine on that
@@laurijohnson7754we don't look down on any class, we carry everyone along..
It depends a lot on your location. Some areas that can be pretty decent income
Awesome! LIVE BELOW YOUR MEANS! So many people in this country can’t or don’t want to do that!
I am a project manager working for a general contractor.
I drive a 2014 Honda Accord. I see lots of guys in the field that drive sedans…
Most people don’t really need trucks… it’s an ego thing..
I would say most of us don’t need them all of the time but most of us do need to move stuff. I have had to ask friends and relatives with trucks to do things for me. I inherited a pickup last year that I sold thinking I didn’t “need” it. Now I am trying to figure out how to move some stuff from another state to mine wishing I had one. Companies are quoting me thousands of dollars as if I was moving a household which I’m not. I have a small SUV and decided to pay $500 for a hitch plus installation. I plan drive down and rent a trailer which is much cheaper than renting a truck. I don’t have to book a flight and rent a car to bring my stuff back. I vote SUV (i buy mine used) and a hitch as the way to go.
Also a project manager for a GC. I drive a 2009 Nissan Altima coupe… believe it or not, when I fold the back seats down, I can slide 10’ 2x material in there. Granted I have to take all my tools out😅 it’s a bit too small haha, but it works. When I load up a ladder it hangs out the trunk too lol
I’m a PM and drive a Chevy Malibu lol but if you run your own business you most likely need your own truck. Regardless this guy needs to go be a PM or a super bc he’s not cutting it as a GC
@@briankelly7978 exactly. Hone in those skills and then take on being a GC when you’re ready. I will admit I do borrow the GC’s truck all the time for picking up material. Not to mention all the different trailers
The truck thing 99.9% of the time a lack of self esteem issue…all for the ego. That dude is gonna be a dad…grow up.
Phone goes dead when George says to sell the truck.
Lmao!
Husband was on the other line LoL
The immaturity speaks volumes
A lot of dudes feel like their vehicle is some kind of achievement (which is sad honestly) ….the dude is gonna have a kid…that’s the time to get a normal car and use the extra funds for your child.
He's stomping around in the kitchen.
Every "yes or no" question she was asked she provided a 2 minute backstory lol. Good luck getting Husband to sell his truck....thats not going to happen.
Husband's work is slow because it's winter? You live in San Antonio TX!! I own property there and my contractors are BUSY nonstop.
Anyone who says "ummmmmm" when asked how much revenue or profit the business is bringing in might indicate that the business isn't doing well. Those who are excited about their success want to know where they stand. When it isn't doing well, they are scared to know.
I don't understand young people today.
They have all kinds of family planning available, can take care of their business and banking with computers, have in home pregnancy tests and still have these problems?
How in the world did we ever manage to stay out of trouble with non of this available in the 60s???
Jade knows she's being evasive, dodging accountability. The wife is as much to blame as her husband for their financial mess.
She's the only one who holds women accountable and doesn't handle them with baby gloves like the misogynists.
You NEVER not pay taxes. I hope he learned now how to do it quarterly
I would disagree she needs another job $7000 a month is a liveable wage they just need to stop spending
I’d bet my paycheck they aren’t actually making 7k most months and don’t track expenses so 7k is whatever money landed in their account without deducting taxes or expenses.
Still if they made even 4-5k month that’s a respectable income, but not with all that debt and bringing a kid into the world. They don’t sound like they want to sacrifice.
I think they’ll learn the hard way.
Hahahahah they had to ask her so many times how much money they made . That killed me .
Brilliant plan to have a child when they're in catastrophic debt. Great move!!!
Jade called it. This couple absolutely was planning on getting another loan for her to continue going to school in 2024-25. They also will not want to sell any of their vehicles or do whatever else is necessary to get out of this hole. Why? Because they are still pretending they are not in a hole, so it's OK to keep digging. And now to cap it off, they decided to bring a baby into this mess.
Idk how else to say it, but she got roasted throughout this call😂😂😂
First thing is to write all your debts down in order, second write down your income, third stop buying things, fourth pay off the debt, you're welcome.
Yup
Stop buying things should be first. Needless things that is.
@BREEZYM6015 well .....that's true too.
@@BREEZYM6015exactly! I am down to living on ~20k per year… I make around 75k after taxes… after paying off all debt in 2020, I continued saving and investing the amount that I was using towards paying off debt and now have a large 6 figure portfolio! It can be done!!
This is hilariously irresponsible.
100,000 in debt and thinks it a good idea to have a child. You can't fix stupid.
V and P don't know income
This is why I’m for abortion
Yup stupid people
This duo is fire 🔥 yes people need to be called out. This is a ton of debt and wait till baby comes!
This is why we need to legalize abortions
@@siva47931No we don't. Use birth control that prevents you from getting pregnant in the first place.
@@siva47931No we don't. Use birth control so you don't get pregnant in the first place.
@@siva47931No we don't. Use bc so you don't get pregnant in the first place.
@@siva47931Use birth control so you don't get pregnant in the first place.
A GC that can't even manage his own expenses! This is part of the reason a truck is $80k now.
Exactly - Market value. If someone would willingly finance that much for it then why not make it cost that much
My wife and I bought our rings at Walmart. Sterling silver, and cubic zirconia ‘s. Whole wedding with the church, and food was $600. We refused to go into debt for a wedding. We knew we wanted to get married, and we knew our budget.
Smart.
$600 is good for food and wedding silver and CZ doesn't seem good for rings
@@KS-cl8br It got the job done, and it doesn’t turn your finger green.
@@KS-cl8brthey could replace those rings later once they’re millionaires
@@KS-cl8brMy ring is also silver, cost 10 bucks 9 years ago, and has 31 zirconia Stones. It is still the most beautiful ring I haver ever seen.
I got a business degree and thought it was a waste of 4 years. If she can’t see good/bad investment or have a basic accounting of her money, her degree is also just a piece of paper.
I love when Jade and George call a spade a spade
She called her out, and i love it!
She sums up the average American mindset around education and handling money!
does she really think she is going to graduate in 2025 with a baby on the way?
I came here for this comment
To the comment about "we are going to owe money to the IRS at the end of the year because we haven't been paying during the year" - pay it NOW! Don't wait until the end of the year. Penalties and interest accrue DAILY, so don't wait another day. Q1 payments were due middle of April so if you pay it now then you will only have penalties and interest for less than a month. But if you wait until next April you'll owe interest and penalties for a YEAR.
I’ve made quarterly payments late and I didn’t get penalized
@@laurijohnson7754 You only get penalized if the amount you owe is over $1000 and you don't meet one of the safe harbor provisions (you paid at least 90% of the tax owed for the current year, or 100% of the tax owed for the previous tax year).
Given that they are consistently paying >$5k per year at tax time, there is a very good chance that they are paying underpayment penalties.
People who put engagement rings on credit cards are not serious about their relationships or life
thats simply not true, i plan on getting the ring on a credit card.
@@Angrialexthats true!!! You borrowing your future!
@@Angrialex I’m sorry for you and wish you the best, but it’s absolutely true
George: what is this degree going to do for you.
Caller: well nothing really...i'm just pretending it has something to do with my 'business'...blah blah blah...BUT...I get to take another loan out! And that's just exciting! FREE MONEY!
Then she’ll be crying for the taxpayers to pay off her student loans! 🤦♂️
So true!
When people say “businness, communication, psychology, sociology degree” etc etc it’s a dead give away they will never get a real career. My neighbor couple is a nurse and a plumber. They make actual money and have real jobs.😂
Keep on going! Have another baby.
😂
Greetings from Germany. Always shocked how much you guys are in debt in the US 🇩🇪
It shocks me too and I am from the states
@@creolelady182 who let these people buy those cars and trucks ???
Not all of us! These calls are from people who are extreme. but yes far too many people here go into insane amounts of debt. I am personally not in debt at all.
Different cultures. In Germany I hear credit cards aren’t a big thing, they prefer debit cards. Germans aren’t as materialistic I don’t think. Your average rent is $1000 meanwhile the US is double at $2000. Your cities and towns are more walkable bikeable, better public transportation and driving distances are less so you save there. Schooling and healthcare costs lower. Average take home of a German is $2853 and average take home of an American is around $3300. So while we may make a bit more on average our cost of living and way of living is more expensive. If you’re more than average though in the USA you can make a a lot more than in Germany and becoming a home owner is easier from what I’ve read. So there’s pros and cons.
Do all of you have to pay student loans?
contractors do like nice trucks , many you see on the sites aren't being used for work they are luxury trim short bed models
$100k in debt, having a baby, her expensive car, and went in major debt for a truck. What are people thinking?? This is NUTS!! She doesn't even have a job!
Living the one life you have.
@@miketheyunggod2534... And calling a national show for help. The stress in her voice, no thanks.
Yeah living. Or ensuring you work until you die.
She’s fully qualified to work in congress so she has that as a career path
Selfishness and lack of self control
They need to stop spending immediately and stop buying things on credit. Get rid of those 2 vehicles immediately.
“How much did you make?”
“Well, I was born at 2:17 pm, then moved around a lot, last week I stubbed my toe…”
😂😂😂😂 Why is it so hard for people to answer the most basic of questions!?!? 🤦🏽♂️
Because they know they will be ridiculed when ultimately answering. Case in point, her eventual factual reply.
Exactly as Jade said. They are now realizing that they do not make enough to sustain their life. With the amount of "Ums" said, shows these young people need to get real............grow up before that baby comes.
and then and then and then
You just killed me here 😂😂😂😂😂
And my great-grandfather washed the car that Hank Williams died in.
My favorite cereal is Fruity Pebbles.
This is why I love Jade. She called her out big time. That's the hard truth, people dont want to he honest.
She's worried about debt but is ready and willing to take on more debt. Also, it goes to show that people truly don't want to do what it takes to get out of debt. After they said to sell the car, it was silence on the phone. It will only be for the short term.
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This is a definition of God's unending provisions for his people. God remains faithful to his words. I receive this for my household.🙏🙏
Please, I'm pretty new and feel I have much to learn, I would appreciate if you show me how to go about it.
I make $130k and I can’t afford a kid with less debt than that and have a home. 😂
She may need to drop out of school since she just enrolled into the “School of Hard Knocks”.
NO. She only have a year left. And she already took out the loans.
😭 Income: $2400
Debt: 127k w/ a possible 21k added within 1 year‼️
40k credit cards
20k student loans (Additional 7k in 2025)
35k Truck
25k Jeep
9k (Additional in September for the baby)
5k Taxes (Additional 5k in 2025)
2k Mazda
They owe 127k w/ an additional 21k+ to be added within 1 year. And can only account for $2400.00 a month income. Im not pessimistic but how is there any possible solution? She most likely will stop working when the baby comes because daycare is more than her check, and she has no idea if her husband has a job. They need a miracle. Pray for her!
Minivan with a trailer hitch and a 5x7 utility trailer. I can carry most everything I need.
And that trailer is easier to load things in and out of than the typical work truck that people use these days
These people are living of student loans and the gig is up soon. My daughter did the same thing and is paying $300 a month for the rest of her life.
300 a month is nothing monthly for student loan debt.
Why doesn’t she double or triple the monthly payment and pay it off?? That’s what I did… my minimum payment was $450 a month… I paid $1200 a month and paid it off in 4 years!
@@mikezerker6925 there is probably no money left .
Why have two businesses, when they only make a combined 7k a month?? There's no point in stressing yourself to make so little. Especially her making only 2k a month. Her business earns less money than a full time fast food worker.
she is going to school so obviously can't devote full timd to it
Working fast food is stressful and exhausting. I don’t recommend it if you can do something else.
I doubt he’s making 5k a month. She just said that because it sounds good.
Businesses take time to grow though, in 6-8 months that ain’t too bad if it’s a hobby
Try nursing@@JewelBlueIbanez
Definitely have more kids straight away.
😂
It’s up to God.
@@miketheyunggod2534😒
@@miketheyunggod2534 Only if you're dumb enough to have sex.
@@miketheyunggod2534🙄🤦
Let me guess. Blame inflation, not years of irresponsible spending.
You are supposed to pay the taxes quarterly throughout the year. I overpay in the event I end up making more than expected. This is just purely impulsive and they egg one another in a negative way.
Sell the baby.
“The rich get richer, and the poor keep having kids.”
ummm rich people have kids too 😂
@@mollymaee
He said “keep” having kids.
Watch the movie “Idiocracy” when the bubbles are popping you will understand.
@@blackworldtraveler3711 sooo we’re taking notes from a dumb movie 😬 yikes
@@mollymaee
Used to be a comedy. Now it’s more like a documentary and not funny anymore.
Like I said you will understand.
@@blackworldtraveler3711 welp… can’t help someone who’s taking life advice from a comedy and calling it a “documentary”. 🤦🏽♀️
you’re right… wear a condom and practice safe sex please. 🙂
Did I just hear right that they have 3 cars ??!! They just bought crap with no regards to the consequences ??!! It is now caught up with them and they’re up $hits creek without a paddle !!
Dealerships will rip you off. I've bought three reliable vehicles from a little place that sells them for $10K or less. Never going back to the big places to spend more.
Stop. Borrowing. Money. Period.
The problem is that she is not ready to change.
Dave would say sell the car sell the Baby
John would ask if the caller is safe
The problem is they wouldn’t even know how much they sold the baby for. They can’t math.
Ken would say call all your friends and mother to give you rides to work and babysit
@@curiouscat3384 Hahaha. Ken wouldn’t say anything because he is still trying to decide what to get for Lunch 😂
Why are they having kids with credit cards, IRS and car debts?
Merica
Seems to be the popular choice nowadays.
They could try to defer the loans for now until they get their life situated.
I don’t understand people who take out loans for school. I personally would never do it that’s why I went to a community college. I got my associate degree without debt and got jobs that pays the bills and still save.
Jade is the best they ever had. She be on these people's neck.
She doesn’t really seem interested in fixing anything. She has a baby on the way and realized she’s screwed. But she’s looking for easy solutions. They overspend with no plan or direction. She’s going to school with no plan on how to pay for it other than take out loans. She has no plans for what the degree will help her do when she gets out. She doesn’t know what they make. Doesn’t bother thinking ahead with taxes. Theyre screwed unless she gets seriously involved in finances, and she’s about to be thrown into a whirlwind when that baby comes.
The $40k in credit card debt alone is enough to bury someone when that interest starts to accumulate.
Never get a degree without having a very specific career plan for afterwards. Especially with student loans. I learned that with my bachelors and have done better with my masters
Life is unorganised chaos and baby on the way
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I'm favoured, $60K every week! I can now give back to the locals in my community and also support God's work and the church. God bless America,, all thanks to Ms Angela 😊🎉
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Why get pregnant if you had so much debt?
Well we need to be honest that many don't even know when they sell just about anything or receive payment for something.....they have taxes to pay.....
What made them think this was a good time to pop out a kid????
Many here call this unnecessary type irresponsibility “sacrifice” when having kids.
And President Biden wants taxpayers like me to pay the caller's student-loan debt.
Yup! A bunch of bulls-!!
Isn’t that infuriating?
@@focojeepr why do responsible people always have to pay for other’s mistakes in this country??
So just go take your money and pay Trump's legal bills. That would be wise, right 😮
@@divineorder22 difference is, ignoramus, that Biden ACTUALLY wants taxpayers to foot other people’s student loan payments… where has Trump ever forced people to pay his legal bills??
Jade handled that call well.
Have they seen the price of trucks. A 35k truck could have rust and hundred thousand miles on it.
You can buy a 2019 transit van with 50K miles for 21K right now. Go up to 100K miles which are still great vans and you're in the 12K ballpark. They could have saved for 6 months , sold the Mazda and had one outright
Nobody wants a van when you need a truck. How are you going to tow a gooseneck trailer with a van man, how are you going to tow your back hoe or skidsteer with a van man
@@Liimpyfor most tradespeople, a work van is much more practical. Less cool, but more practical. The exception of course being those who need a gooseneck but they are the minority of truck owners.
@@Liimpy he was doing his job with a Mazda sedan meaning he isn't towing anything. His wife admitted he didn't need the truck as well. Yall act like every general contractor needs to tow 10k regularly 🤦🏾♂️
@bun-n-cheese1290 she never stated it was a sedan, Mazda makes trucks as well, and maybe his business needs have grown or changed , I wouldn't accept the wife's info as fact, look at the mess she's helped create already
my two fav Ramsey personalities!
She won't finish college next year once that baby comes out.
"Putting the cart before the horse."
Sell the baby for 100k....problem fixed
These people go to school and they don’t know what their career will be. I have a new neighbor moved in next door. Wife is a nurse and husband is a plumber. Now that’s a real job. “Business communication leadership relationship degree” bluh bluh
Ok. So work truck for 35k is reasonable, a almost paid off mazda, thats fine, just why the hell theres another 25k jeep?
30k cc is a problem, 20k student loan isnt that bad tbh, they need 5 years to fix this
if you start investing into a high yield savings account at 5% and you have a mortgage at 2.5% and your mortgage payment is 1000.00 and you invest 1000.00 a month into a high yield savings account..
That first month you would have paid about 300 in interest towards the mortgage meanwhile your 1000.00 in your high yield savings account made 50.00 dollars.
The amount of interest paid in the first few years of the mortgage loan outweighs the amount of interest accrued in a high yield savings account.
That's why the guy l initially responded to giving me 'simple math' left out the first 5 years of the 15 year mortgage.
Don't try and insult my math when you simply can't comprehend simple math.
I see you’re avoiding responding here and admitting you’re wrong.
@@Emerica771 because your example is idiotic, u are comparing hysa vs mortgage, Thats dumb
Putting 5% into hysa is pathetic, how about some funds for 10%+ and some crypto for like 50 -100%???
@@johndone8045 it’s not putting 5% into a high yield savings account, it’s putting the monthly mortgage payment in the high yield savings account with a return rate of 5%.
No wonder you don’t understand you really are just stupid.
@@johndone8045 the entire comparison of this debate was whether or not it’s more beneficial to put money into a high yield savings account rather than paying off your mortgage early.
Good lord you are a high school drop out no doubt.
Name a more iconic duo than broke people having kids
There is no FDA approved aphrodisiac and conventional fertility treatments are a gamble at best, but being dirt poor basically guarantees a litter of kids.
Broke people having kids do more for the country than rich people with no kids.
Of course ideally, you'd have rich people with kids xD
Most kids are not planned.
@@jimmymcgill6778that's the dumbest thing lve ever heard
@@ykook7000 That's the truth. You don't like to hear the truth?
Oh no! I have listened to too many of these calls. When Mr. Kamel said "When is the baby due?" (6:54) I thought he said "What does the baby do?" That is, what is that baby doing for a living and how much money is it bringing in? Like the kid needs to start working OT or something.
I own a business- they are in no position to run a business! Those incomes are side hustles- they need to get a real job!
Jade is the best!! She’s more la Dave!! 😊
I guess saying we have business is nice to say to friends ,showing off the brand new truck,that seemed to be the trend. There’s no more of those starting with a junk truck or car and move on to progress after hardwork results even that has no guarantee.
I agree with everything other than Jade saying the husband doesnt make enough on his business to qualify as a job. $5k a month is not bad for a slow month. He does need to make more though considering the taxes.
Not a huge amount of empathy for the caller in this one guys.. Basically told her off
They are an absolute financial mess. How are people this foolish.
I wouldn’t get a Jeep with Reliability. Also wish Dave was on the show he would go crazy/nuts.
I think they should have more kids.
what are the odds this person call back in a year and they are 200k in debt and she still doesnt know how much $$ she is paying herself?
I have a loan for the next 4.5 years but it's at 0% interest. Is it still advised to clear that off or should I just leave it there if it is not accumulating interest? From my perspective it makes more sense to just leave it there and invest the rest as inflation will eat away at some of that loan and I can make interest on the money that's invested. I would like to hear someone's opinion regarding this.
Wow! I’m just blown away they could keep getting credit! I’m guessing some was borrowed against the business
It doesn't surprise me.
They'll throw credit at anyone as long as there's some kind of asset they can seize.
Did anyone hear the husband hang up the other landline when they were told to sell the truck?
The immaturity level of these two is high
How cold are the winters in San Antonio?
Jade: Gotta call a spade a spade 😂🤐
I stopped listening after the student loan debt...
I stopped on the IRS situation.
How often does the GC actually haul lumber and big stuff?
Oh this one is infuriating
Does anyone think they will sell their cars, get a job, pay their debts and stop using their credit cards?
I have a full time job and I freelance.
You know why I call it 'freelance' and not a 'business'? Cause it doesn't bring in full time wages and I am not running it like business.
The are self-employed...NOT business owners. Their businesses do not run themselves if they take a vacation. They have no employees. And they make hobby-level income.
They are living in a fantasy. They buy toys...husband did not need a 35k truck. He wanted the 25k truck...that he couldn't afford even before buying it...they are going to be broke all their lives and then wonder why they can't succeed.
It’s amazing to me how Americans cannot live within their means!!!! It’s insane.
I am I feel the only one that can at times 😂
Let’s be honest 35k for a work truck isn’t even that much. If it’s a business expense and owned by the business why are you considering it personal debt?
Because he doesn't make enough money to call it a business. Like Jade said about the wife's "business," the guy's "business" is a hobby too.
Seems more like a business fantasy to me.
They are having a baby now. Time to get real jobs/career and taking less risks.
Guys know how debt happens and babies happen, yet surprised by both.
Wonder how old they are
Give them a financial peace class and the entire leadership book