You Can't Afford That Apartment!
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- Опубликовано: 21 май 2022
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This call earned Dave's spot in heaven. His patience is DIVINE.
I thought Heaven wasn't earned
😭😭
“I pretend my trust fund doesn’t exist but I pull $700/ month from it”
😂😂
I’m just shocked people like her can’t decide for themselves why paying more than 50% of your income on rent is a bad idea.
@@iamnotgonnagiveyoumyname1373 maybe if you had better grammar you could afford to rent to hard luck cases like her so she doesn’t get taken advantage of by a slumlord like me lol
the call isn't about the finances, she's wanting an audience that will support her delusional thinking. She called the wrong show.
@@eckankar7756 She needs to seek mental health counseling now because at age 34, she is a little old to be seeking to upgrade her life. Many people at her age can successfully change careers. The problem with this lady is she has no career and has never had one and cannot handle the stress and anxiety that come with most jobs including low paying ones. Until she can successfully overcome her mental health issues, she may never improve her life.
@@bonnievandergriff8272 She's delusional she doesn't see that she has a problem. She won't seek help because she sees herself as a victim, the problem is everyone else. It's like a form of narcissism. They never see themselves as the cause of their grief.
im apartment hunting and just thinking of paying 30% of my NET income makes me sweat bullets.
She sounds older than 34 more like 54.
That’s what I thought too!
@@eplugplay8409 I thought the same thing.
cigarettes will do that
Yes
Thinking same thing
Poster child of why a lot of people are broke. No plans. Tons of excuses.
But she’s an INTROVERT!!!
She's a lazy human walking active dogs
Literally so many excuses. Trust fund baby and her parents have probably helped her all her life
@@konye618 $700 a month is pocket change for retirement. Good luck with that.
@@adamseidel9780 INTROVERTS UNITED 😆
I last lived in an apartment in 2020 and my rent was $895 for a 2BR/2Bath. Now that same apartment rents for $1300.
$1600 a month in rent not counting Utilities and she has an income of $2500 a month. In what world spending close to 65% of your income is a reasonable idea?
the landlords dont care about her $2500 a month....the entire system is broken.
@@derekrank4572 I don't understand your comment. Why should the landlord care about her $2500 a month?
@@derekrank4572 The landlord will rent to whoever will pay the same way any business person would. It isn't the job of the seller to care about the financial health of the buyer.
Florida now requires financial literacy courses for high school students.
Just a simple course in finance and investing would have been the most valuable thing I could have been taught in high school. On my own I didn't learn it until I was 30 or 31. That was a lot of wasted years I could have been putting money away.
The education system is full of brainwashing and communism that they don’t teach life skills and lessons to kids. So it’s awesome that Florida is requiring financial literacy for high school students. It’s a start.
That is good to hear those courses need to mandated for all high school students in this country
Thank Desantis
Based. Every state should require it
So glad and lucky I was able to buy a house before the pandemic. Mortgage is only $450. I feel terrible for people who pay $1600 for a little apartment.
What are you living In for a 450 mortgage?! A run down itty bitty shack?!
@@TheIronChainMaster There are many affordable houses in different parts of the country. That was a rude comment and assumption. Wow...
$450 per month...a 15 year fixed?
Includes property taxes?
Includes homeowners insurance?
Includes water, garbage, sewer?
Includes utilities?
Please, don't compare apples to oranges.
@@simonthebroken9691 exactly I would like for him to include those costs as well
haha my city starts at 2k/month, I'd kill for 1600/month
Yeah, I'm a introvert too and the pandemic was great for my mental health too! 🤩
Lol same
Ive never ubderstood this. You can be an introvert on your own. No pandemic required.
Because you are pressured to meet with family and friends even if you don't want to.@@billmelater6470
The pandemic was like a mini retirement test drive for me and, honestly, it wasn't so bad.
She has a trust fund. I don’t get the impression that she would ever be truly lacking money if she needed it because she doesn’t sound overly ambitious.
I would argue her lack of ambition would be the reason she may be lacking money in the future.
No kidding.
@@superblump87 I think the trust fund may be the reason for the lack of ambition
@@Gibb591 agreed
Lack of ambition?? Did you guys miss the part when she said she's an introvert with crippling anxiety and depression? For anyone with mental health issues, maintaining a steady job is ambitious. $700 is approximately 25% of what she earns from actually working, so it's ridiculous to think that that small amount would make her think she has it made and doesn't need to continue working. She said she enjoys her job, it just doesn't bring a large income.
I guess you also missed the part where she said she has a degree and is thinking to pursue that again. She may be lacking direction, but apparently she listens to Dave, so I'd say she's working pretty hard to keep it together.
The trust fund isn't in the back ground like the caller said if she is drawing $700 a month from it. It is an active primary source of her income.
1:06
I think by “in the background” she means that she hasn’t taken any principal yet, just the income it throws off.
@@rachelharrison7961 In her case I really hope she can always do that!!! She seems to need all the help she can get for the rest of her life.
She probably isn’t eating into principal. If it’s throwing off $700/month in interest, the principal could be a few hundred thousand.
@stevenporter863 Or, "in the background" could mean if she were in a short-term pinch, she could withdraw more.
It honestly sounds like she is trying to justify a lot for where she is. Their is zero reason for her to get a new apartment that is almost twice as expensive and zero reason for her to be drawing from the trust fun. Especially in your mid 30’s. Get to work! I have anxiety and panic attacks to! In fact my mom has them even worse and she’s a full time nurse and isn’t on any medication. Get to work.
How I know people like that. She is so messed up it's like wow
She's totally delusional and a full time victim. A third of a century old and emotionally a first grader. She isn't looking for direction or an answer she wants support her self defeating beliefs are valid. She called the wrong show.
For real. She has a trust fund, so she could afford the best mental health care. No excuse.
I don’t know anyone my age (23) that isn’t chucking half their income at rent. Unless they live with their parents. Housing is so expensive.
It's always been that way, but adversity is opportunity. If you take the risk of buying a house and renting out the rooms you can be FIRE by the time you're 30.
@@DG-mk7kd No it hasn't. My old place from 2015 was $650 a month. Today it's $1150. No my wages have not doubled neither and car prices have nearly doubled too. Renting before 30?!! Lol. You need to pull in 120k a year for a 1200sq starter home in the majority of cities today. I live in Texas not New York or San Francisco either!
@@DG-mk7kd The issue is we can’t even afford a house right now. I’ve been saving, living with parents, and working full time for two years and still can’t afford a down payment
At least 50%. Even though the goal is 30%.
Sounds like it's time to visit the "bank of mum and dad" for a deposit and financial assistance with the mortgage !!!!!
Oh, I see now that she's in St. Louis. Emily, come across the river to Alton. I'm paying $550, most utilities included. I just sold my house, which was less than my rent.
It should be illegal to raise rent that much.
They aren't. The caller literally said they were going to get a new apartment. She was trying to upgrade.
"What is your long term career plan"
- talks about everything except her career plan.
She clearly said that she didn't really have one because of her psychological issues.
@@mirabella2154 she said in the past she didn’t have one, as if to indicate that she now does, but only seemed to talk about the past and about how she’s happy where she’s at, which is essentially broke.
I'm an introvert myself but I gotta eat and not be a wimp sitting around doing nothing.
Being an introvert has nothing to do with earnings or being broke or rich I would almost argue that an introvert has an advantage on building wealth because we’re not obsessed with impressing people we don’t know
@@Smallvillefreak She clearly said she wanted to start screen writing in the near future, to which Dave replied to start now.
She can afford the rent IF she lives on beans and rice... doesn't have a car... doesn't have kids and has no social life.
she's an introvert so she pretty much doesn't have much of a social life
Waiting for Dave to start telling people to start an OnlyFans while working the baby steps
When pigs fly
How about a only fans person who is a baby steps millionaire?! I wonder if Dave would let them do a debt free scream lol
He quotes the Bible too much to say anything about it lol
I'm 69, my grandkids think I should open up a "here's granny" page there...I am really thinking about it. why not? Go bust or go rich, who knows.
😂😂😂 this one wins the comment section
I had a lot of traumatic events that would have placed me in loony place, I had to work. I didn't have a chance to rest or be depressed.
I have never had a chance to be weak
Lucky
glad we got tough women commenting! not "introverts" with "anxiety" ladies who are broke like a joke like the caller
Exactly!
Almost every one has some type of hardship in their lives but they carry onward, continue to work, continue to stay busy, they ain't got time to be depressed or anxious.
@@cutehumor lol I take it empathy is a foreign word to you.
I don’t know how they could be so calm about having a landlord nearly doubling your rent by asking for another $700 a month for a studio. If she like taking care of dogs it make more sense to move somewhere more affordable and then house sit for ppl.
I see why I need to buy a house 🏡! Rent keeps going up
Terrible time to buy a house 😅
own a home or rent you will always be expected to pay some form of increases it’s all the same
@@Blueman2018 not really lol
@@Blueman2018 not to the same extent
@@larrybarbee4916 you may say not the same extent but the concept is you expected to pay any increases that happens to your cost of living roof repair rent increase increase the cell phone so it’s all the same we’re all in the same situation we have to spend money when we don’t have to and it’s hard to save when we want to 😂
She had to call Dave to figure out if this was a bad idea?? Bless your heart lady lol. After utilities and a few bags from the grocery store, your bank account will be overdraft SMH.
A shortage of pizza delivery drivers, LOL!!!😂😂😂
It's very hard work & in some metros very dangerous.
With insane gas prices of $5 per gal & up added to the wear & tear on your vehicle, a person can't make any money.
@@raallen1468 I would hope people tip better right now
I've ordered pizza and never had it delivered because of no drivers. Who would have guessed.
@Rich Casino That's a lie.
This is going to be his advice for the foreseeable future
@donald johnson If you have enough extra cash buying how may not be bad. However one needs more $,$$$.$$ than before.
Even with the trust fund money she can’t afford that apartment lol. She doesn’t like her teeny tiny apartment but she has a teeny tiny income with teeny tiny career ambitions.
No, her dreams are not realistic
@@barbieblue3336 what dreams? She has no articulated plan or ambitions
@@adamseidel9780 I
Can’t come close to controlling her own life, but I bet she has biiiig ideas on how gov’t should be run though. Seriously, people like her voting are why we are where we are……….
😂😂everything tiny but she want make her rent larger🤔🤔🤔
I’m an introvert, so I’m a computer programmer. It pays $140k/yr.
I also have a trust fund, it pays $2k/mo…forever.
My current mortgage is $1300 a month.
You single? 😂😂😂
@@alexjohn5251 🤣
@@alexjohn5251 😅😂good luck
Why are you telling us this?
$2500 a month is like a $20 dollar an hour job after taxes what Dave doesn't realize is that he expects everyone to make $30 dollars an hour
No, he just expects people to do the work necessary for the life they want to live. This lady has no plans or aspirations and at 34 has done nothing to build up useful skills of any kind. And she doesn't even have years of working for a company that might potentially promote her or pay for education, so whatever she does she is basically starting from scratch. But she expects to be able to live in a $1600/mo apartment.
@@dash4800 oh I understand that but at the end he said she could make more delivering pizzas than her ($20 dollar an hour job)
@@dash4800 I made much more and always lived in a room/basement shared house until I bought a house.
That includes her trust and $2500 mo would only be $30-$35/yr
He expects people to live within their means and change their means if necessary.
$25 an hour for delivering pizza? No. I delivered pizzas for extra income. I kept track of all my earnings and time worked. I averaged just over $17 per hour. With the price of gas and wear and tear on your vehicle that isn't much
She sounds comfortable with just kinda hanging out lol
especially when she has a Trust fund
Trust fund? Perhaps there's a reason it is in trust is because she cannot be relied upon to handle her money well. Living as a doggie caretaker? And the fact that every single sentence ends up on the valley girl uptick are enough to indicate she was incompetent and clearly doesn't need to pay twice as much money for an apartment.
Agreed. Her statements end on high notes. She sounds like she’s asking for confirmation/approval of some sort. Sounds very blasé yet attempting to move up on “social status”. Be radical, caller. Get attentive and take some serious action toward your future.
I agree with caller, Dave, you are also my comic relief!
I can’t believe rent prices.
imagine working a full time job and living in poverty the whole time while your landlord happily takes all your money every month and pays off his mortgage
Dave - "I think that's fun" ☺️
Surprised he didn't tell her to find the old lady with the cheap garage apartment.
That sweet old (imaginary) lady doesn't need this drama in her life.
@@SalisburySnake 🤣🤣🤣🤣
@@SalisburySnake LOL so true.
@@SalisburySnake
Hahahaha 😆😂😆 bingo! 🎯
So you're telling me that I'm supposed to spend 30% of my income in rent. Therefore, if the average rent in my state (MN) is $1165, I need to make $22.41 per hour and work 40 hours a week. But I'm a college student Dave, and I can't do that. My parents bought a house, got married, and had me by the time they were my age. So where did things go horribly wrong, and who is to blame, and what the hell do we do about it?
Brave lady for laying it all out. She has been through a lot and I wish her the best...
Yes, and when you pay people to not work, you have to pay them a lot more to actually work. It confounds me how little politicians want to understand about the simplest aspects of human nature.
that's not happening anymore.
Didn’t that end awhile ago?
I work 60+ hours a week and cannot afford to rent in my area.
All they understand is, whatever they think will help them at the ballot box.
@@bobsacamano7653 Then why do you live there? My daughter works a regular job and can easily afford her rent. Same for my son.
I have a similar income to this caller. I qualified for a first time homebuyer loan, down payment assistance, even closing costs were minimal.
I'd suggest if she wants more space, to try buying instead of renting. She may be able to buy something for around what she pays in rent.
There’s a lot of demand for cheap labor. Unfortunately people are not going for that. If you’re looking for delivery drivers who have to pay for their car and ever increasing gas, and you’re going to pay $25/hr, you can deliver your own pizzas.
90% of these calls are what Dave called “income problem.” Cheap labor isn’t the solution, it’s the problem.
@@SDALLE99 agreed
@@gizmosworld5855 Self-employed taxes are kind of insane also
@@gizmosworld5855 As well as wear & tear on your vehicle. Car service centers are struggling to obtain parts, and techs are quitting because they’re not getting paid if there’s no repairing going on. And who wants to buy a new vehicle right now?
She'd talk the ear of of the customer if she did deliver pizza...she's not looking for a solution, she just wants to validate her self defeating life choices.
She needs a plan and that’s not a lot of money. It’s enough to get by but not retire. She’s comfortable and doesn’t want to work.
@Jerry Haden she can afford a lower class living however she’s delusional and thinks she’s worth more than she is.
@Jerry Haden Yeah unless your compensation is good working is not worth it!!!!
Jerry. The McDonald’s near me is paying starting pay of 17 an hour. If you can get that for no skill, pretty sure there’s job out there that allow you to afford things.
@Jerry Haden Possibly to eat and have a safe place to lay your head at night.
@Jerry Haden like 30-35 max. The inconsistency is also a factor in one week you might get 15 hours then the next 35. They also want 100% availability for that 17 an hour which means you can’t plan another part time job around it unless it’s something like DoorDash.
“What are your long term plans?”
…two minutes later of rambling…
Doesn’t have one.
Um, hello! She's planning on becoming a famous screenwriter!!
$2,500 a month come on man. She needs to make more money, and lower monthly expenses.
$20 dollars an hour job is $2500 a month after taxes. College graduates sometimes don't even make that.
They are not paying pizza drivers $25/hour.
Tips ??
Listen I am an introvert and I work from home...plenty of opportunities from home out there so there is no excuse
Where Tf are They Hiring $25 For Pizza Delivery???😂😂😂
uber or dominos not a problem you can do it too
I don’t understand people who call in and say things like
I am in debt worth several tens of thousands of dollars, my Monthly cost of living is several thousand dollars and my Monthly income is below the national poverty level. Now they need Dave to tell them how to pay off their debt, allow them to buy a house, fund their retirement and allow them to live a comfortable life with zero financial stress.
Where is the Math class for this equation?
🤣🤣the title of this video. Omg. Sounds like a concerned father
I'm not against a person with a trust fund it would be nice to have, but you can tell when people don't have to worry about money just by the way they talk. I have anxiety and have had depression for the whole 10 years I have worked at my job but I didn't let that get in my way of my goals. I think if anything the pandemic ruined relationships. Allowing the shy and introverts to stay the way they were instead of exploring the real world.
Has anyone ever considered that moving out and living on your own isn’t for everyone ? I mean everyone wants living wages but most of those entry level jobs are for students , retired or even stay at home moms . Maybe we bought into the lie that we can have it all without long term planning and sacrifice.
Who the heck ever told you can have it all, or anything, without long term planning or sacrifice?
What kind of pathetic loser can’t afford to live on their own? If that’s a struggle I suggest running the car in the garage
Who said taking care of several animals was an entry-level job?
There are indeed other cultures where the family always lives together unless someone gets married. They combine their incomes to get a huge house for everyone.
@@adamseidel9780 entitlement says so
There may not be other options available in terms of rent, period! That's happening many places including my area.
its either pay rent or be homeless...and working and homeless doesnt seem logical.
$25 an hour delivering pizza? $50k a year doing pizza delivery? Man don’t be dumb
As a millennial, her story sounds like a lot of our stories.
Yes, minus the trust fund lol
@@kdilli6426 right? One could only wish
I can’t believe how small her place is for 900 a month, You would think for like $1000 a month you could get 700 or 800 ft.²
@@wordsalad01 smart plan. I'm trying to live that way! I hope it works out well for the caller
Not in my experience.
Dave is wrong about his generalization about the delivery for the major pizza chains. I was a driver for 3 years for Pizza Hut in San Diego. I quit in 2019. I was the fastest driver and reliable before I left. Long story short, they always violated labor laws. I got money 3 times for the years from class action lawsuits from summitwest pizza (holding co. Of the franchises) due to breaking labor laws constantly. They don’t like people working more than 29 hrs a week unless they are a “General Manager”. That is how they legally get out of paying healthcare. They treated workers bad. Bad management. Toxic work environment. They didn’t build up staff. They screw drivers on mileage. There are a lot of legitimate reasons why they can’t find labor, and the short answer is because they are legit a bad employer. I think it is ridiculous that the laws incentivize people to offer only part time positions for a job that could be full time. It doesn’t make sense.
increase your charge for the doggie daycare, tell customers blame it on inflation.
Out of touch. Math or not you pay over half your income in rent or you live in your car. Rents and mortgages keep gooing up. There is no way to save for a down payment 😂 ... Delivering pizzas will not cover a $2000 a month studio shack
Out of touch is not seeking addiitonal income sources (aka side hustles) to get the income up to a point that rent is way under half ...
DoorDash or pizza delivery or Amazon pay good but it’s still rough to live on those pays. They also max out around $20-25 an hour.
@@kylefielder9664 Still not enough for an apartment if rent is near $2000
@@timothygibney159 Your income needs to be 80k To avoid roommates at this point
@@kylefielder9664 I make just under 90k and FYI that is well over the top 25% income bracket. This is redicilous
You do not make 20hr delivering pizzas. Around where I live in Georgia it ranges from 10 to 12.
They mean 15ish dollars an hour 🤣🤣😂
There’s a reason why there’s a shortage of pizza drivers. It’s not worth it.
25/hr for pizza delivery? Where they do that at?
25 an hour won't cover a 1 bdrm anymore where I am at even
Downtown NYC.
As a female, I would not deliver pizzas in my city, I would not feel safe.
I bet they are factoring in tips.
Tips! Pizza costs like 30 a pie now. I stopped buying them for that reason.
She just sounds lazy. The trust has taken the drive out of her. She uses depression as an excuse.
Sounds nuts
Agree excuses after excuses
Freelance writing? You can do a boatload of freelance writing and not make any money. Not a valid plan for broke people.
Dave will throw anything out there most times he is out of touch
@@nyaluv143 He doesn’t know writers don’t make any money?
That was the longest way of saying “I don’t have any plans”
How did her rent jump from $900 to $1600??
I rent because I only pay $600/mo and it lets me save for when I find a house I really want, I can't imagine paying 1600 in rent. At that point just buy a house. You live in st. louis, the marked there is way cheaper than where I live. You could easily buy a nice house there with a lower mortgage payment than your rent will be.
Could u explain your living situation please for such low rent. Are you sharing space?
She doesn’t have a career plan at 34
So does everyone have mental health issues nowadays? Maybe I’m insensitive, but it seems like it gets thrown around so often as an excuse.
Its just a sign of the times..
It’s just a trend, REAL people who have REAL MENTAL TRAUMA will never boast about it like some sort of badge of honor
Yes they do
I have what some people would call “mental health issues,” and my household income is over 3x hers. Some people will just use anything as an excuse.
Depending on how much money is in her trust fund, I would try to get to it now invested, and have money that she can live off of to handle her current income needs as long as it would not touch the principal and continue to grow. Maybe that’s not an option but it probably depends on how much it is and if she has somebody helping her invest it.
I agree. It was a missed opportunity for them not to ask what is in her trust find. She may be able to buy a house and get a mortgage instead fo paying rent.
I worked at a dog hotel, it pulled in 40k/ week.
I am impressed that you were able to convince the state of North Carolina to push out an Emergency Savings broadcasting alert for me at the 11th hour. Do you not have any good contacts in the medical field at Vanderbilt or Duke University?. I have heard a lot or pharmaceutical sales reps on your show in the past doing debt free screams. It would be a lot easier for me to Pizza Pizza if I had a better time receiving healthcare. If I had only one prayer request, it would be for more humane medical care. If anyone knows ANYONE at all who can even indirectly help me get proper care, I would greatly appreciate it. To Yankee's are going to try and make travel via an Old Testament Donkey after this.. Lord Hear our Prayers 🎉
Why don’t Dave deliver some pizzas 🍕🍕🍕😂🤣
Dave has done those things back when he was a lot younger
Free free free 😭😭😭🤣🤣🤣🤣🤣
I was going to start with gov't programs to help pay rent but that is not her problem.
My God lady shut up for 2 seconds lol
She knew she was out of line. That’s why she called in
"You cannot do rent that is 50% og you rent and prosper" my the past 10 years🙃 but then I might misunderstand, cuz I'm thinking after taxes.😊🤷♀️
Also just realizing that I live in Denmark and have different expenses and not have the same need for an emergency fund for e.g. medical emergencies etc.
275 sq ft isn't a lot, but if she brings up her income she could definitely afford something bigger and better.
I know Dave but I been staying there awhile it's time to move up.
Dave is obsessed w delivering pizzas . They also force you to use your own car , not worth it ..
When anyone is beating around the bush they are hiding something.
I cannot listen to her any longer..fast forward to the next call PLEASE.
Dave, how would anyone afford anything in a city like LA??
Film degree = dog sitter. Enough said.
So many people getting the job they want, but not the job they need. And they wonder why they're in the situation they're in.
Delivering pizza ? Can we talk about how dangerous that is ?
Is not that people don't want to work, they don't want to work for low pay and or abuse from patrons. Dave needs to view some of the RUclips videos of services people being abused.
Her decision making is solely emotion based and she will continue to drain her trust fund and have nothing at retirement, if she keeps this path.
She’s only 34 !! Geez !!! I thought she was 54 or something !!! She sounds a lot older !!!
He is a funny guy
This insanity. These rent increases are criminal!
No it’s not. Property taxes are up, utilities, repairs, and just about everything else that goes into running a rental property. The land lords are not profiting from the increase
I am trying to be sympathetic to her situation, but at the same time it feels like she uses her mental health as an excuse not to take a leap of faith on anything. All throughout this call there was a lot of excuses.
I've met 1000s of people who refuse to do anything that requires work.
I've met thousands of people who write "1000s" instead of thousands.
I'm willing to bet a whole lot of millennials and zillennials chuck 50% of their NET income to rent. This is especially true if you live in a major city. Safety and other factors always come into play. You're more than likely not going to find cheap rent unless you live in a lower cost of living area.
Most "Zillenials" in large cities have roommates. Older Millenials (like me) are established in our careers and can afford rent on our own. I live in LA and my rent is less than 25% of my income.
Its like that in Germany too. Paying people not to work. Its crazy
if you pay people not to work, they won't if the pay is equal to or greater than that of working pay.
some. many will work
900 for an apartment? It’s better to settle and save money the right way. Either that or just work more hours with better pay.
I’m so sick of hearing depression as an excuse. Everyone has a sad story, just get up and get to work.
Lmao guarantee you have no friends
@@grahamcarmichael6567bro I work 60 hours a week at UPS making $49 an hour and am a competitive bodybuilder with no social life. Why tf would I want friends? I’m way ahead in life.. 😂😂
@@tomturnerrrr lmao maybe because relationships are the most important thing in life, good luck when you’re 60 and can’t bodybuild anymore and are about to retire and you have plenty of money but life is meaningless.
Seriously what is she talking about? He asked for her long term career goals.
I feel a little better about moving into a 1000 Dollar place, and I have the same income at her.
50% of income for rent is already a lot. 65% going to rent like the caller’s situation is just overkill.