She's making $87000 a year. Wow! I only wish. Caller needs a coach. How the heck did she get $275K student debt? Is she a doctor? She must be eating out everyday? She should start making sandwiches in the hotel room.
I slept in my car in Los Angeles 2000-08 to pay child support. I had a 27k credit card balance. Now I have my home paid off and no debt at all. Life is so good
I went on a tour visiting homeless in California with a friend doing a video documentary a few years ago. They have shanty town mayors and everything in some of those places. So many guys and even women homeless because of divorce.
Every week I buy more of whatever is the lowest percentage of my portfolio and try to keep everything around 10%. Please what could be my safest buys with $400k to outperform the market in 2024?
I'd avoid the index funds, mutual funds, or specific stocks for the time being. The 5% fixed incomes are the safest bet for now. Save your cash for when the market actually shows sign of recovery.
This is why I entrusted a fiduciary with my investmnt decisions. Many underestimate advisors until emotions lead to losses. My advisor crafted a tailored strategy aligning with my long-term goals, guiding entry and exit points for the equities I focus on. This has grown my portfolio to over $850k. My personal best so far
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Rebecca Nassar Dunne” and her performance has been consistently impressive. She’s quite known in her field, look-her up.
I really loved Dave’s response to this. This is kindness and charity in action. All people are hurting, but to know when someone is hurting too, much is a gift….❤
It's recommended to save at least 15% of your income in a 401k. You can use online calculators to estimate how much you should save based on your age and income. Saving at least 15% of your income in a 401(k) can help ensure that you have enough money to retire comfortably. By saving this much, you can take advantage of compound interest and potentially grow your retirement savings over time.
Effective personal finance management is more important than the amount of money saved, regardless of whether income is earned through job or investment. Individuals can seek counsel from a certified financial advisor to optimize financial outcomes, who can provide specialized advice and methods to decrease expenses and maximize income.
@@BrandonRichards21 I completely agree; I am 60 years old, recently retired, and have approximately over 2million dollars in external retirement funds. I am debt free and have very little money in retirement funds compared to the total value of my portfolio over the past three years. To be honest, the Fin-advisor can only be neglected, not rejected. Just do your due diligence to identify a fiduciary one.
@@AlfredStephen127 I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same but it seems you’ve got it all worked out with the firm you work with so i surely wouldn’t mind a recommendation.
@@Jonathancolter7100 I definitely share your sentiment about these firms. Finding financial advisors like jessica dawn walters who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
@@AlfredStephen127 I greatly appreciate it. I'm fortunate to have come upon your message because investing greatly fascinates me. I'll look jessica up and send her a message. You've truly motivated me. God's blessings on you.
"I only have a microwave so I can't cook traditional meals so I'm eating out" try this on honey ..."I am blessed to have a microwave here and can pop a meal in. There are so many choices now and stores are constantly running sales." You can actually get quite creative with a microwave. *it's only temporary. Where there's a will...there's a way
@AvalonMisty you can also get a portable stove. It has 2 electric burners so you can make more wholesome meals like soup. If you make soup you can make a lot of it and eat for a few days. Of course you need a refrigerator as well
@@brianasche6406 This isn't about gender. He is mean to people who make stupid choices, but are otherwise unimpaired. He is kind to people who are traumatized and struggling to think clearly.
I am a single mom of one. I make $63000 per year before taxes. Rent: 1500, utilities 150. Student loan: $1000. Credit score 734. I am able to save about 400 a month and eat out once a month. I save on childcare by keeping my kiddo at home since I WFH. My credit score was 500 during the pandemic because I could not keep up with my student loans. Life has not been easy but everyday is getting better.
@jeanmccallum5034 it's all about sacrifice now or later in life. I choose to do mine now. I could made better decisions with regards to student loan in my 20s, but oh well.
@@zay6805 Way to go! At some point a lot of costs drop off - like once your kid is standing on their own feet. If you're kind to each other and close, they'll appreciate everything that you sacrificed once they are adults and look back on what you gave. You'll be rewarded with more than just money, later in life.
Love that Dave did not lectured the lady and being judge mental toward this lady. Instead, he was being compassionate toward her situation and guiding her for the better future.
That's how much many allied health programs are (occupational therapist, physical therapist, speech pathology, etc). It's a Masters or PHD for 3 years. 250k is the low end unfortunately.
I liked Dave's advice and his offer to help! Sounds like she's been on her own for awhile (no relationship with her parents), thought she found someone to love her and then this person turned around and betrayed her. 😞 You could hear it in her voice, she's broken and doesn't know where to go. I hope she can get some counselling as well and that she finds and apartment and some friends who will help her and rally around her. 😊
Thanks for offering her coaching, etc. Right now she can't think straight. You can hear it in her voice. This is very fixable, but she can't find the path on her own in her state of mind.
I've got £100k to invest. I want to build a nest egg for when I'm older. I want to know if it's a good idea to add all my savings into a long term ETF, set and forget Come back in 20-30 years, instead of 250-300 DCA every month. Which ETF would you recommend?
Accurate asset allocation is crucial with an Experts guidance. I have 850k in equity, 275 cash earning 5.25 interest, 685k in 401k, 120k cash account, 80k in car assets ( paid off cars) Gold and silver bars. age is 48. My advisor helped me realign my portfolio to my risk tolerance and it boomed within a short period.
Amber Michelle Smith has always been on the top of my list..She is regarded as a genius in her area and well knowledgeable about financial markets. I highly recommend you look her up if you want excellent collaboration.
Thank you for putting this out, it has rekindled the fire to my goal... was able to spot Jennifer after inputting her full name on the web, she seems highly professional with over a decades of experience.
She’s lost I get it. Stop eating out stop stop, you can do it. You have a mini fridge put yogurt cheese and cold cuts in it. Bread, instant oatmeal, nut butter, bananas. You’ll save $500/month easy.
I am regretting not taking advantage of AMD NVDA and ASML’s boom as I did GME ever since but still grateful i kept money in the money market. With about $150k maturing soon, i plan investing in the stock market. What stocks should I look into to average down in and safely grow my money?
Thats when you hire someone to manage your money. You need a (CFP) straight up! personally, I would invest in ETF's and also love investing in individual stocks.
I took charge of my portfolio but faced losses in 2022. Realizing the need for a change, I sought advice from a fiduciary-advisor. Through restructuring and diversification with dividend stocks, ETFs, Mutual funds, and MBS, my $1.2M portfolio surged, yielding an annualized gain of 128%.
I agree with B 100% the current terrain is no joke for the average person and even the elitist investors make mistakes during inflection poiints. Get a fa who can be fiduciary to your longterm with proven strategies. That's why I have Monica as my estate planner.
The decision on when to pick an Adviser is a very personal one. I take guidance from ‘Monica Mary Strigle‘ to meet my growth goals and avoid mistakes, she's well-qualified and her page can be easily found on the net.
First, my heart goes out to this woman. I too have followed a man only to wind up alone. 2) why is it you don’t talk to your parents? Did they try to give you advice and you refused it? 3) Do you want to be in Philadelphia? You only moved there for him and he’s gone. Now is the PERFECT time to reevaluate that. As a wise woman told me, pray/meditate on that. And once you make that decision DO NOT ever look back. You’ll be surprised how things fall into place. 4) Take Dave’s help. Where is your Mail going? Organize your debts and take inventory. In other words…he loses when you win. So start winning. 4) Get all the cry in you out. Take ONE day and do it. After that Do not EVER cry for that person again
Dave is just full of Godly & Practical Wisdom, slow to talk and fast to think, hopefully his co-hosts will someday acquire the same skills & heart. More Power to you Sir...
Nothing poor about her, she makes 84000.00 a year. That is bulls..t, it does not make sense! I had my hart broken too but went back to school and billed up a new life!
I drive a truck for a living, I dont have a microwave. I rarely eat out. It's called pb&j, tuna, oatmeal with heated up water, instant coffee. I can afford to eat out I just dont.
Pick up frozen food and use the microwave for dinner. Buy bread and cold cuts to make sandwiches for lunch. That is much more reasonable than eating out all the time.
@@reese85 Any hotel/motel that I've ever stayed at that had a microwave also had a small fridge. If that's not the case for her, she can stop at the gas station or Walmart on the way home. Also, a cooler with ice in it will keep cold cuts for several days.
Some people are always going to be down to their last dollar. If you hand this person $10,000 today, the money will all be spent in a month or less with little or no recognition of where the money went.
Dave and all his co-anchors have such compassion, understanding and kindness. God bless them all. This young lady will do well as long as she follows this advice. God bless you all!
That is one thing you do not do and that is move to a different state than where your close friends and family are at for a significant other that you are not marrying or married to. That’s how you get messed up and messed over. Poor thing, hope she gets her life back in order. Makes way too much money to be in that kind of financial and emotional stress. God bless Dave Ramsey and his team.
Some places only look at the credit score (which they shouldn't) and decide off that There could be debt free millionaires who can't rent at certain places because they don't have a credit score, which is ridiculous but true
@@DJRiyzen not all apartment complexes check your credit. Some of them only check your W-2... And they are typically cheaper because they typically have lower income people inside of them
Uhhhh I lived with my whole family (including 4 kids) in the basement for months during a remodel. I had a crock pot, microwave, a rice cooker, and a toaster oven. We ate normally. This lady is nuts.
Exactly. She already has a microwave. If she went to Walmart and bought a crock pot, rice cooker, & a small mini fridge, she could eat any meal that she wanted. Plus, it would be a lot cheaper than eating out for all of your meals. She would get her money back for those appliances within a week with how expensive eating out has become.
It's typically not one bad decision that gets you into trouble like this. It's a string of bad decisions. The question is, " Why do people keep making dumb decisions"?
This woman needs a father and Dave showed her a glimpse of an earthy father’s heart. Praying for an encounter with our Heavenly Father so He can really help change her life forever.
Idk why ppl in these tough spots wont rent a room. After my divorce, for my last 2 years in the military i rented cheap rooms. It allowed me to save so much money and fly back often to see my son until my discharge. Is it ideal or perfect, no. Its TEMPORARY. I get it can potentially be a little more concerning for a female but by far the nicest rooms i ever saw for rent were ALWAYS "female only".
This happened to me. You don’t realize it’s happening until you find yourself in a deep hole with no way out. Every step towards progress and you feel like 5 more setbacks pop up. Four years later and I am finally crawling out of the hole and can build up savings. I could not do it alone, even though I tried. It took friends and family, and a lot of grace, to help me get back to a second chance.
You can do some very simple things to boost your credit score. 1. Pay off all credit card debt and never run a balance on those. 2. Pay majority of your credit card bill before the statement date (reduces percentage of credit lines utilized).
Omg I feel her pain. I have debt too done everything I can to get out . Done hustle jobs but cost of life went up and full time job, time is short. It’s hard to get out of debt
You can rent a one bedroom nice apartment in Philly for $1500 a month she's just too emotionally drained to look around. I hope she has family that can help. I hope her parents are still around 😢
There’s something mentally wrong with her. Even when I had bad credit I could always find someone to rent to me though I traded to stay in an apartment for a long line so was the ideal renter. I think she needs mental help. Also never move for someone you’re not married to.
I want to diversify my portfolio worth around $200k, i'll be buying some Tech stocks, what are some new gen stocks i can add to my portfolio to get reasonable increase and protect my future
Accurate asset allocation is crucial, I used hedging strategies to allocate part of my portfOlio to defensive assets for market downturns. Expert guidance is vital for achieving this. This approach has helped me stay finan-cially secure for over five years, yielding nearly $1 million in returns on invest-ments.
87k per annum is more than average per capita income. Problems 1. No housing - get a rental home 2. Poor credit score- solution Pay cash & advance for 6 months to rental apartment 3. No car - buy a 5 years Toyota / Honda/ Hyundai , a compact car - with cash . 4. No family - start apologizing to Mom & dad , and now you have parents 5. Heart broken / depressed- start seeing a Psychologist, and get started on meds 5. Daily aerobic exercise & meditation. Thanks Dave for helping her !!
When I see news programs showing kids moving into college and what they bring, I am flabbergasted. They are bringing in everythiing brand new, still in boxes. A friends daughter was starting college and she had new bedding -- what was wrong with the stuff she was currently using at home? It is like they all have to have everything new and the best.
1. She’s going to need at least a year to get the extra security deposit down.because her credit is trash. 2. Her credit being wrecked is a long term problem which is going to cost her money. She needs to get her income up. 3. She can’t afford a car, even a used car. She needs to take the bus to work. 4. You don’t apologize to parents for being toxic if that’s what’s going on here. Kids don’t stop talking to parents because they don’t feel like interacting with them anymore. 5. Medical treatment costs money and she doesn’t have any at the moment so she shouldn’t be wasting it. She doesn’t need therapy either. She needs to break the cycle.
All good advice except no Hyundai's. LOL Where'd you get that? I'm seeing very little information on such being even close to reliable as the other two. I plan on selling my hand me down Hyundai when it hits 100k. 08 Corolla just hit 201k and another 50k+ seems like a very reasonable goal.
@@Yogastrong908 Thank you for emphasizing #4. We don't know the circumstances, and this may do way more harm than good, especially if she has depression issues right now.
What about just renting a room in a house (living someplace where kitchen or bath facilities are shared with other tenants)? That would cheaper than a hotel or apartment. It's what I did during school. It wasn't perfect, but it got me by for three years.
@@aeterna581 because you are paying around 2500 a month. Most people live check to check. It’s hard to save to get out. I use to manage an extended stay and most of the families that tried to leave came back because rent is so high
If she spent $50 a day for 30 days that is $1500. With a $2200 in rent she is at $3,700. After car payment she should have almost $400. So unless she buys a lot of random things like clothes and make up, she should be able to save a couple hundred a month. Ultimately, though, the eating out is ridiculous! Our large family doesn't spend that much a month on groceries. Maybe she never went camping, but plenty of foods don't require ovens. She could go to Goodwill or Salvation Army to pick up a hot plate and she would almost have a typical kitchen. But you might be onto something. Maybe those extra hundreds are going to booze. It might also explain her difficulty in finding a roommate.
From personal experience, I was having hard time finding apartment. Told them to take double the deposit and that helped. Also I understand hotel doesnt have a kitchen but these days stores are packed with ready to eat meals, literally countless options and much cheaper than eating out. Heck go to trader joes and their ready to eat food is so good we bring it home just because we like it so much. I have survived on cold cuts and cup noodles but thats just me. Cup noodles, frozen veggies and meat. Mix them and pop in the microwave, yumm! :). I am sure she is stressed but she has to get a grip and pull herself out of it.
I was just going to say this too. Eat at the hotel breakfast (if there is one) and get a hot plate to make basic meals or just eat sandwiches or salads to save on eating out costs.
Once her heart is healed, she'll be doing fine. She still has her income, retirement savings, and good sense that is just clouded right now with hurt and shame. God bless her.
Lady if i were in your shoes 1. Rent a room.or look for an apt. Bad credit, they let you put one month deposit down. 2. For food, make sandwiches, get mixes salads, buy frozen burritos. For warm meal, go to a local Chinese place, order a tray of rice and protien like catering. You can eat good for less than $200 a month.
I’m thinking she can’t find the kind on apartment she wants in the neighborhood she wants. Except for my first apartment, all the ones I have lived in were strict about credit scores, proof of income, and background checks. Sometimes I have waited weeks to see if I was approved, and my credit score is in the 800s. One apartment I was able to get because the manager told me the person who applied just before I did had bad credit and was denied.
Hotel living can be a trap because it is so much more monthly than an apartment.. I bounced around after college snd lived in a hotel room (without a private bathroom) for a while, so I know. Many of the residents in those places are scary people. Fortunately I had people praying for me and family who took me in while I got my head on straight and I got on my feet. She can heal with some love and guidance
*If you are not in the financial market space right now, you are making a huge mistake. I understand that it could be due to ignorance, but if you want to make your money work for you...prevent inflation*
Interesting, This is superb! Information, as a noob it gets quite difficult to handle all of this and staying informed is a major cause, how do you go about this are you a pro Investor?
I feel Investors should exercise caution with their exposure and.exercise caution when considering new investments, particularly during periods of inflation. It is advisable to seek guidance from a professional or a licensed expert in order to navigate this recession and achieve potential high yields
Prioritizing effective personal finance management holds greater significance than the sheer amount saved, irrespective of income source. Consulting a certified financial advisor can offer tailored strategies to optimize financial results by reducing expenses and enhancing income, regardless of whether it's earned through employment or investments.
Brian Humphery Services was my hope during the 'bear summer' last year. I made so many mistakes but also learned so much from it, and of course from Brian.
I’m 55 and hoping to end the rat race at 60. I know money is liability to be exchanged for real assets like real estate (rental income) stocks (dividends) gold (wealth) But, what is it with bitcoin? I'd love to diversify my $200k portfolio for rapid growth.
look at the charts, bitcoin has outperformed every stock and banking product ever developed even after multiple pullbacks over the last decade. not a financial advisor but I know what i'm saying
The key is diversification. Personally, I delegate my day-to-day investing to a license advisor, cos my job doesn't permit the time to analyze stocks myself and thankfully, my portfolio has now 5X in 5 years, just about 10% shy of $1m. Stay motivated friends.
@@VictoriaMartins-s4u i'm blown away! mind sharing more info please? i am a young adult living in Miami where i've encountered several millionaires and my goal is to become one as well ..
Katherine Nance Dietz is the licensed advisor I use. Just google the name and you'd find necessary deets. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
@@JDmix123 I agree - she needs to live in an apartment with 2 roommates and pay 700 a rent and send everything to student loans. 270k with student loans is atrocious for making 87k. just interest alone is 20k a year. She could pay 20k a year and not make a dent
@@daveavemian5940 dude 2200 + 400 is 2600. She still has 2K left for cell phone and food and all the money is gone?? Even with eating out the numbers don’t add up
I lived in hotels for months, it is perfectly nice. You are not homeless. Some people choose to live in hotels permanently. Buy a sandwich maker or buy subway sandwiches which aren't too expensive.
According to the numbers the caller provided, she’s not making $87,000. However she’s making more than enough to live within her means and not in a hotel…
Hubs and I spent one month in Australia and ate out twice. As long as you have a microwave and a refrigerator you are fine for meals. Grocery stores are your best bet. You can eat very well with fresh foods in a hotel.
I think this is the worst call I’ve ever heard on DR show. She has $275k on student loans and she moves for love ? Bad plan. Pay off your debt then worry about love
People on here commenting that she needs to “apologize” to her parents are making some big assumptions!!! My biggest problem throughout my entire life was coming from abusive parents. Both had serious mental issues. The results for me have been low income and two bad marriages. How often I have longed for support-like Dave said-someone to put their arms around me and say they have my back-but that’s an impossibility. Thank God, my second husband was a saver. But I’d give my right arm to have a sane, loving, stable family! 😢.
if so the coach wil find out that & they can recalibrate. maybe she relocates. maybe she reconciles w/ fam. theres always more 2 the story than ~8 min. of wot we hear on air but thats y they 'donate' their resources 2 assist. thats the beauty of Dave as hed of the enterprise -- he deliberately chooses 2 spend x% of his assets in this type of charitable givin. /shrug
Im a landlord in Philadelphia. Dave’s right as long as you can afford the rent and your credit is bad. just an extra month of security deposit is all that needed for private landlords
@@JustinCase780 So she's not close to her own family, so that's always a red flag on her right?, secondly, we're always trying to make sure right, why on earth would you sell your house or throw away everything for that big of a commitment? And thirdly, it just shows how she makes decisions right?
I'm sure her service is available outside the US, but you gotta ask her first. I'm positive because I have a friend who stays in Australia and using her services too. You should ask her though to know if she offers her service to your country.
I started pretty low though, $1000 thereabouts. The returns came massive. Joey is in school doing well, telling me of new friends he's meeting in school. Thank you Sonia Duke, you're a miracle
its not ~1964 anymore so yes its far less common. but in a city like Philly, i suspect there are many a row haus sumwhere up & down the main line where this does stil exist likely ...
@totit_t1445 You don't have to be religious to be social anymore, thankfully. We aren't in the dark ages anymore. Plastic debit cards dont say "in god we trust". And you do t have to be religious to help other people who are in need either. I have met some very disgraceful Christians over my lifetime. A person is either a good or a bad person regardless of their beliefs.
He didn’t say it was contingent. Yes, community can be found in many places, but she hasn’t. He is giving her a suggestion that is in his realm of experience. Why are you looking for something to complain about?
Sometimes when you are caught up in life you can't see the forest for the trees.. TV dinners work along with a cooler and some freezer bags. Buy TV dinners, put in freezer bags so they don't get wet most today are enclosed in cardboard, put in cooler with ice, pull out a tv dinner and save some money. Is it the healthiest option? No but short term it saves money. A loaf of bread and peanut butter and jelly makes a good breakfast or lunch on the go option. Fast food is crazy high anymore. Also instant coffee and hot water boom you have your caffeine kick. When we went on vacations a long time ago they didn't have coffee pots in the hotel rooms I used hot water from the tap to make my instant coffee. Later when we traveled I brought my own plug in percolator to make my coffee in the hotel room, put it in a thermos and on to our next distination. Anna In Ohio
Dave can always read the situation like a book. He’s good…
She's making $87000 a year. Wow! I only wish. Caller needs a coach. How the heck did she get $275K student debt? Is she a doctor? She must be eating out everyday? She should start making sandwiches in the hotel room.
He and Dr. John are such a delight to watch
@@Chicago48she is totally disorganized. She is living in a hotel and asking for help. She needs to understand her situation and make some adult moves.
It’s very easy when you can understand that Gentiles are the most gullible of all
Dave was definitely on point with this one! Knew exactly where to dig and how to help.
I slept in my car in Los Angeles 2000-08 to pay child support. I had a
27k credit card balance.
Now I have my home paid off and no debt at all. Life is so good
I went on a tour visiting homeless in California with a friend doing a video documentary a few years ago.
They have shanty town mayors and everything in some of those places.
So many guys and even women homeless because of divorce.
@PInk77W1 life can really take you through twists and turns.
@@Prophezora oh yeah, mine was mild compared to many
You lived in your car for 8 years?! I've been doing it for 2 and it's rough
Wow. I was expecting a thread of scammers, conversing with each other, invoking the name of God, with a link to their financial "rescuer".
You can tell Dave is a caring father. Dad instincts kicked in there.
Dave is tough when he needs to be but also so kind and compassionate when people are genuinely stuck. I need Uncle Dave's advice lol
No, Dave is kind and compassionate to women and has a double standard for Men.
@@tkordikThat's how it supposed to go 😂😂
@@tkordik That's the way it's supposed to be. Men and women are not the same no matter what your liberal friends tell you.
This is the kindest I have EVER heard him. There is hope.
Every week I buy more of whatever is the lowest percentage of my portfolio and try to keep everything around 10%. Please what could be my safest buys with $400k to outperform the market in 2024?
I'd avoid the index funds, mutual funds, or specific stocks for the time being. The 5% fixed incomes are the safest bet for now. Save your cash for when the market actually shows sign of recovery.
This is why I entrusted a fiduciary with my investmnt decisions. Many underestimate advisors until emotions lead to losses. My advisor crafted a tailored strategy aligning with my long-term goals, guiding entry and exit points for the equities I focus on. This has grown my portfolio to over $850k. My personal best so far
Please can you leave the info of your lnvestment advsor here? I’m in dire need for one.
There are a handful of experts in the field. I've experimented with a few over the past years, but I've stuck with ‘’Rebecca Nassar Dunne” and her performance has been consistently impressive. She’s quite known in her field, look-her up.
Thanks a lot for this suggestion. I needed this myself, I looked her up, and I have sent her an email. I hope she gets back to me soon.
Thanks Jade and Dave for your compassion for Marie and offer of free coaching classes. 😊✨
What did Jade do exactly?
All the rude people in the comments don't get it. Spiritual problem. I bet have of them are sick too.
@@siva47931she asked questions and listened.
I really loved Dave’s response to this. This is kindness and charity in action. All people are hurting, but to know when someone is hurting too, much is a gift….❤
It's recommended to save at least 15% of your income in a 401k. You can use online calculators to estimate how much you should save based on your age and income. Saving at least 15% of your income in a 401(k) can help ensure that you have enough money to retire comfortably. By saving this much, you can take advantage of compound interest and potentially grow your retirement savings over time.
Effective personal finance management is more important than the amount of money saved, regardless of whether income is earned through job or investment. Individuals can seek counsel from a certified financial advisor to optimize financial outcomes, who can provide specialized advice and methods to decrease expenses and maximize income.
@@BrandonRichards21 I completely agree; I am 60 years old, recently retired, and have approximately over 2million dollars in external retirement funds. I am debt free and have very little money in retirement funds compared to the total value of my portfolio over the past three years. To be honest, the Fin-advisor can only be neglected, not rejected. Just do your due diligence to identify a fiduciary one.
@@AlfredStephen127 I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same but it seems you’ve got it all worked out with the firm you work with so i surely wouldn’t mind a recommendation.
@@Jonathancolter7100 I definitely share your sentiment about these firms. Finding financial advisors like jessica dawn walters who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.
@@AlfredStephen127 I greatly appreciate it. I'm fortunate to have come upon your message because investing greatly fascinates me. I'll look jessica up and send her a message. You've truly motivated me. God's blessings on you.
"I only have a microwave so I can't cook traditional meals so I'm eating out" try this on honey ..."I am blessed to have a microwave here and can pop a meal in. There are so many choices now and stores are constantly running sales." You can actually get quite creative with a microwave. *it's only temporary. Where there's a will...there's a way
There's are also pre-made meal services like "Mom's Meals" where all you need is a microwave.
Cup of noodles is only 50 cents
Oatmeal and raisins is $3 a meal
Buy a table top stove. She is just making stupid decisions and was probably chasing a Chad.
@AvalonMisty you can also get a portable stove. It has 2 electric burners so you can make more wholesome meals like soup. If you make soup you can make a lot of it and eat for a few days. Of course you need a refrigerator as well
I was impressed with Dave’s compassion for Marie.
❤🎉❤🎉❤🎉 what a really kind and emotional call in/ answer session.... so relatable...best wishes, marie
Not really on my end . He tends to be soft on women and hard on men. 275k in student loans is crazy unless going for MD or law.
@@brianasche6406Maybe she did, and it didn't work out, hard to know.
@@brianasche6406 This isn't about gender. He is mean to people who make stupid choices, but are otherwise unimpaired. He is kind to people who are traumatized and struggling to think clearly.
@@brianasche6406not many guys call in homeless though. I think thats the difference here
I am a single mom of one. I make $63000 per year before taxes. Rent: 1500, utilities 150. Student loan: $1000. Credit score 734. I am able to save about 400 a month and eat out once a month. I save on childcare by keeping my kiddo at home since I WFH. My credit score was 500 during the pandemic because I could not keep up with my student loans. Life has not been easy but everyday is getting better.
Congratulations! You have discipline and common sense, unlike most of our compatriots
@jeanmccallum5034 it's all about sacrifice now or later in life. I choose to do mine now. I could made better decisions with regards to student loan in my 20s, but oh well.
You are an inspiration 😊
@@zay6805 Way to go! At some point a lot of costs drop off - like once your kid is standing on their own feet. If you're kind to each other and close, they'll appreciate everything that you sacrificed once they are adults and look back on what you gave. You'll be rewarded with more than just money, later in life.
I thought that once you applied for hardship they couldn’t report you to the credit agencies.
Love that Dave did not lectured the lady and being judge mental toward this lady. Instead, he was being compassionate toward her situation and guiding her for the better future.
275k in student loans just to be an occupational therapist????🤯🤯
The only way that makes sense is if she's making 200k a year
That's how much many allied health programs are (occupational therapist, physical therapist, speech pathology, etc). It's a Masters or PHD for 3 years. 250k is the low end unfortunately.
@@veessbb23the ROI isn’t worth it, they’re tricking midwits into thinking this is a good idea. This is a scam.
Tuition total should never be more than twice what you’ll make the first year. It’s 2024, everyone knows this.
Dave didn’t want to break it to her that she’s gonna be in debt forever 😢
I feel for her, and well done on Dave for putting some people around her. She needs some compassion and education, and she’ll be fine 👍
I'm sorry you're going through this. Being in love hurts when they don't love you back. I've been through this a few times. Don't give up.
I liked Dave's advice and his offer to help! Sounds like she's been on her own for awhile (no relationship with her parents), thought she found someone to love her and then this person turned around and betrayed her. 😞 You could hear it in her voice, she's broken and doesn't know where to go. I hope she can get some counselling as well and that she finds and apartment and some friends who will help her and rally around her. 😊
You are right, a break up is completely devastating when you don’t have a good support system and an identity outside of the relationship.
Thanks for offering her coaching, etc. Right now she can't think straight. You can hear it in her voice. This is very fixable, but she can't find the path on her own in her state of mind.
God bless you, Dave, for the gentleness with which you handled this caller 🙏🏻
I live on less than $1500 a month. This lady can definitely do it.
I've got £100k to invest. I want to build a nest egg for when I'm older. I want to know if it's a good idea to add all my savings into a long term ETF, set and forget Come back in 20-30 years, instead of 250-300 DCA every month. Which ETF would you recommend?
As they say, time IN the market is better than trying to time the market. I think you should seek advice from a licensed financial advisor..
Accurate asset allocation is crucial with an Experts guidance. I have 850k in equity, 275 cash earning 5.25 interest, 685k in 401k, 120k cash account, 80k in car assets ( paid off cars) Gold and silver bars. age is 48. My advisor helped me realign my portfolio to my risk tolerance and it boomed within a short period.
How do I reach out to a financial advisor, my portfolio has been struggling since 2022 and I’ve been holding on by the skin of my teeth.
Amber Michelle Smith has always been on the top of my list..She is regarded as a genius in her area and well knowledgeable about financial markets. I highly recommend you look her up if you want excellent collaboration.
Thank you for putting this out, it has rekindled the fire to my goal... was able to spot Jennifer after inputting her full name on the web, she seems highly professional with over a decades of experience.
She’s lost I get it. Stop eating out stop stop, you can do it. You have a mini fridge put yogurt cheese and cold cuts in it. Bread, instant oatmeal, nut butter, bananas. You’ll save $500/month easy.
And a hot plate to cook on.
You’re wrong kid
thank you for showing this lady some compassion. Hearing her voice crack just brought tears to my eyes. Wishing you the best going forward Marie.
I am regretting not taking advantage of AMD NVDA and ASML’s boom as I did GME ever since but still grateful i kept money in the money market. With about $150k maturing soon, i plan investing in the stock market. What stocks should I look into to average down in and safely grow my money?
Thats when you hire someone to manage your money. You need a (CFP) straight up! personally, I would invest in ETF's and also love investing in individual stocks.
I took charge of my portfolio but faced losses in 2022. Realizing the need for a change, I sought advice from a fiduciary-advisor. Through restructuring and diversification with dividend stocks, ETFs, Mutual funds, and MBS, my $1.2M portfolio surged, yielding an annualized gain of 128%.
I agree with B 100% the current terrain is no joke for the average person and even the elitist investors make mistakes during inflection poiints. Get a fa who can be fiduciary to your longterm with proven strategies. That's why I have Monica as my estate planner.
Your advisor must be really good, how I can get in touch with them as my porfolio isnt doing so well.
The decision on when to pick an Adviser is a very personal one. I take guidance from ‘Monica Mary Strigle‘ to meet my growth goals and avoid mistakes, she's well-qualified and her page can be easily found on the net.
How touching! Dave helping this hurting lady to something better. He knew cut to the heart of the issue.
First, my heart goes out to this woman. I too have followed a man only to wind up alone.
2) why is it you don’t talk to your parents? Did they try to give you advice and you refused it?
3) Do you want to be in Philadelphia? You only moved there for him and he’s gone. Now is the PERFECT time to reevaluate that. As a wise woman told me, pray/meditate on that. And once you make that decision DO NOT ever look back. You’ll be surprised how things fall into place.
4) Take Dave’s help. Where is your Mail going? Organize your debts and take inventory. In other words…he loses when you win. So start winning.
4) Get all the cry in you out. Take ONE day and do it. After that Do not EVER cry for that person again
Dave is just full of Godly & Practical Wisdom, slow to talk and fast to think, hopefully his co-hosts will someday acquire the same skills & heart. More Power to you Sir...
Dave knows when to be kind. She’s depressed over moving for a failed romance. She’s gotta get her emotions together before tackling that debt
Dave did a good job with this call.He showed a lot of empathy to this woman. She needed it.
This woman is crazy. I go to Aldi's, buy bread cheese turkey and lettuce and can make sandwiches for under $1 a piece. U don't need a stove to live
@@beaniemac I get the feeling she's not telling everything.
Agreed. She could get a slow cooker too.
If she only has a microwave, where do you expect her to keep the cheese and lettuce at?
Add to that a rotisserie chicken which will give you enough protein for several days. And you can microwave eggs with care and they’re good.
@@reese85Most hotel rooms have a mini fridge
Aww Dave is so kind. Poor lady
I love it when the Papa Dave side comes out ❤
Yeah right.
Nothing poor about her, she makes 84000.00 a year. That is bulls..t, it does not make sense! I had my hart broken too but went back to school and billed up a new life!
I drive a truck for a living, I dont have a microwave. I rarely eat out. It's called pb&j, tuna, oatmeal with heated up water, instant coffee. I can afford to eat out I just dont.
Pick up frozen food and use the microwave for dinner.
Buy bread and cold cuts to make sandwiches for lunch.
That is much more reasonable than eating out all the time.
Seriously. Lean Cuisine goes on sale, 5 for a certain price. Eat that with salad for lunch or dinner.
If she only has a microwave, where do you expect her to put this food at you’re recommending?
@@reese85 Bread and Peanut Butter, Fruit, prepared food from grocery store, cans of soup ...
@@reese85 Any hotel/motel that I've ever stayed at that had a microwave also had a small fridge.
If that's not the case for her, she can stop at the gas station or Walmart on the way home.
Also, a cooler with ice in it will keep cold cuts for several days.
@ghost307 not a lot of them, especially ones on the cheaper side, don’t always have small fridges in them but everything else you mentioned can work
I’m trying so hard not to judge but damn it’s hard…she can still refocus her finances. Whenever a person wakes up is their morning ❤
Some people are always going to be down to their last dollar. If you hand this person $10,000 today, the money will all be spent in a month or less with little or no recognition of where the money went.
Of course it will be spent. She has student loans to tackle.
@@TheYHWHjireh you know what he means. There are millions of people going paycheck-to-paycheck in moderate cost of living cities.
The Dave community is sending her our love! Hang in there! This is setting you up for a major comeback ❤
Dave and all his co-anchors have such compassion, understanding and kindness. God bless them all. This young lady will do well as long as she follows this advice. God bless you all!
That is one thing you do not do and that is move to a different state than where your close friends and family are at for a significant other that you are not marrying or married to. That’s how you get messed up and messed over. Poor thing, hope she gets her life back in order. Makes way too much money to be in that kind of financial and emotional stress. God bless Dave Ramsey and his team.
Moving and moving. Following love around. It ruins your focus.
Thanks Dave for helping her.
87k and can't find an apartment? I call bs
Me tho😂
She said her credit score is too bad.
Some places only look at the credit score (which they shouldn't) and decide off that
There could be debt free millionaires who can't rent at certain places because they don't have a credit score, which is ridiculous but true
Calm down tough guy. Nice hat by the way 🤣🤣😂
@@DJRiyzen not all apartment complexes check your credit. Some of them only check your W-2... And they are typically cheaper because they typically have lower income people inside of them
Candlewood Suites has a full kitchen and regular fridge. Some will give you a deal if you prepay. Like 1500/mo. Try it out!
AND all pots pans and utensils, silverware etc. Go there!
Great counseling call by Papa Dave.
Uhhhh I lived with my whole family (including 4 kids) in the basement for months during a remodel. I had a crock pot, microwave, a rice cooker, and a toaster oven. We ate normally. This lady is nuts.
Lotta great croc pot tips in these comments. That’s awesome! I’m gonna get one!
Exactly. She already has a microwave. If she went to Walmart and bought a crock pot, rice cooker, & a small mini fridge, she could eat any meal that she wanted. Plus, it would be a lot cheaper than eating out for all of your meals. She would get her money back for those appliances within a week with how expensive eating out has become.
It's typically not one bad decision that gets you into trouble like this. It's a string of bad decisions. The question is, " Why do people keep making dumb decisions"?
Oh like you’ve never made mistakes buddy
@@19hundoc47The key words are "keep making", it's crucial to LEARN from mistakes.
I've made plenty of dumb decisions over my 42 years. You just need to space out the dumb decisions between a bunch of good decisions.
People had bailouts from parents and partners their whole life.
Have you never done any bad decisions?
$87,000 income - this is taking financial incompetence to a new level. This income level for a single person should give you a decent lifestyle.
Wake up clown. $ Does not give a person in need anything.
55k after taxes and bad credit with 1k a month student loan. It's not alot on Philly
Oklahoma, yes. San Francisco, no
It definitely depends on where you live. I make 60k as a single person in Las Vegas and that's enough for me.
@@Rickety3263That's a given. 😂
Rent a room from an elderly person/couple or a lady landlord. Close to your work Marie. All the best to you 😊✨.
Don't always agree with Dave but loved the compassionate EQ on display here.
Spot on Dave!
This woman needs a father and Dave showed her a glimpse of an earthy father’s heart. Praying for an encounter with our Heavenly Father so He can really help change her life forever.
That charity part of the Ramsey system is awesome!
I always love watching Dave Ramsey he is always spot on....
Crockpot, Instant Pot, make simple meals , cut up ham/cheese, veggies, hard boiled eggs, oatmeal etc etc.
275k for a therapy degree. What a complete racket omg
Idk why ppl in these tough spots wont rent a room. After my divorce, for my last 2 years in the military i rented cheap rooms. It allowed me to save so much money and fly back often to see my son until my discharge.
Is it ideal or perfect, no. Its TEMPORARY. I get it can potentially be a little more concerning for a female but by far the nicest rooms i ever saw for rent were ALWAYS "female only".
This is Dave at his best. Great job Dave!
This happened to me. You don’t realize it’s happening until you find yourself in a deep hole with no way out. Every step towards progress and you feel like 5 more setbacks pop up. Four years later and I am finally crawling out of the hole and can build up savings. I could not do it alone, even though I tried. It took friends and family, and a lot of grace, to help me get back to a second chance.
Keep at it,you're almost there!
clrea- all the best to you, and us all !! 🙂✨☀🌅.
You can do some very simple things to boost your credit score.
1. Pay off all credit card debt and never run a balance on those.
2. Pay majority of your credit card bill before the statement date (reduces percentage of credit lines utilized).
Omg I feel her pain. I have debt too done everything I can to get out . Done hustle jobs but cost of life went up and full time job, time is short. It’s hard to get out of debt
I dont, she’s made a million dumb decisisions. Hard to feel sympathy here.
You can rent a one bedroom nice apartment in Philly for $1500 a month she's just too emotionally drained to look around. I hope she has family that can help. I hope her parents are still around 😢
She said that she doesn’t have a relationship with her parents
Nothing “nice” about $1500, especially in Philly. We live in Pittsburgh and pay $800, not the worst city area either.
And parents aren’t always the answer, especially dysfunctional ones.
@barbararepko4824 true but at 87,000 she should be able to do 1500
There’s something mentally wrong with her. Even when I had bad credit I could always find someone to rent to me though I traded to stay in an apartment for a long line so was the ideal renter. I think she needs mental help. Also never move for someone you’re not married to.
I want to diversify my portfolio worth around $200k, i'll be buying some Tech stocks, what are some new gen stocks i can add to my portfolio to get reasonable increase and protect my future
i'd advise you redistribute assets in your portfolio with the help of a pro so you don't get burnt in the market.
Accurate asset allocation is crucial, I used hedging strategies to allocate part of my portfOlio to defensive assets for market downturns. Expert guidance is vital for achieving this. This approach has helped me stay finan-cially secure for over five years, yielding nearly $1 million in returns on invest-ments.
pls how can I reach this expert, I need someone to help me manage my portfolio
Monica Shawn Marti is the licensed advisor I use. Just search the name. You’d find necessary details to work with to set up an appointment.
Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.
87k per annum is more than average per capita income.
Problems 1. No housing - get a rental home 2. Poor credit score- solution Pay cash & advance for 6 months to rental apartment 3. No car - buy a 5 years Toyota / Honda/ Hyundai , a compact car - with cash . 4. No family - start apologizing to Mom & dad , and now you have parents 5. Heart broken / depressed- start seeing a Psychologist, and get started on meds 5. Daily aerobic exercise & meditation.
Thanks Dave for helping her !!
When I see news programs showing kids moving into college and what they bring, I am flabbergasted. They are bringing in everythiing brand new, still in boxes. A friends daughter was starting college and she had new bedding -- what was wrong with the stuff she was currently using at home? It is like they all have to have everything new and the best.
1. She’s going to need at least a year to get the extra security deposit down.because her credit is trash.
2. Her credit being wrecked is a long term problem which is going to cost her money. She needs to get her income up.
3. She can’t afford a car, even a used car. She needs to take the bus to work.
4. You don’t apologize to parents for being toxic if that’s what’s going on here. Kids don’t stop talking to parents because they don’t feel like interacting with them anymore.
5. Medical treatment costs money and she doesn’t have any at the moment so she shouldn’t be wasting it. She doesn’t need therapy either. She needs to break the cycle.
All good advice except no Hyundai's. LOL Where'd you get that? I'm seeing very little information on such being even close to reliable as the other two. I plan on selling my hand me down Hyundai when it hits 100k. 08 Corolla just hit 201k and another 50k+ seems like a very reasonable goal.
She could look for an live-in caregiver opportunity as a second job -- extra money AND a room! She's an OT, so she has experience in the health arena.
@@Yogastrong908 Thank you for emphasizing #4. We don't know the circumstances, and this may do way more harm than good, especially if she has depression issues right now.
What about just renting a room in a house (living someplace where kitchen or bath facilities are shared with other tenants)? That would cheaper than a hotel or apartment. It's what I did during school. It wasn't perfect, but it got me by for three years.
In NY there are still a couple women residences
Temporary housing in a hotel is not a thing. Once you are in there it’s hard to get out.
It’s hard. Anyone can do it. I did it
It's also expensive unless it's a very cheap motel.
Why it's hard? You mean bc it's easier than find rent?
@@aeterna581 because you are paying around 2500 a month. Most people live check to check. It’s hard to save to get out. I use to manage an extended stay and most of the families that tried to leave came back because rent is so high
Ole Dave's time with Dr Deloney is rubbing off 😊😂
Living in a hotel isn't caused by eating out or a 401k... there is some kind of addiction she's not telling us about.
I agree
Could be a food addiction. Maybe she weighs 500 pounds.
Exactly what I was thinking.
If she spent $50 a day for 30 days that is $1500. With a $2200 in rent she is at $3,700. After car payment she should have almost $400. So unless she buys a lot of random things like clothes and make up, she should be able to save a couple hundred a month. Ultimately, though, the eating out is ridiculous! Our large family doesn't spend that much a month on groceries. Maybe she never went camping, but plenty of foods don't require ovens. She could go to Goodwill or Salvation Army to pick up a hot plate and she would almost have a typical kitchen.
But you might be onto something. Maybe those extra hundreds are going to booze. It might also explain her difficulty in finding a roommate.
Mental turmoil
God bless you Dave! Great job on this call.
From personal experience, I was having hard time finding apartment. Told them to take double the deposit and that helped. Also I understand hotel doesnt have a kitchen but these days stores are packed with ready to eat meals, literally countless options and much cheaper than eating out. Heck go to trader joes and their ready to eat food is so good we bring it home just because we like it so much. I have survived on cold cuts and cup noodles but thats just me. Cup noodles, frozen veggies and meat. Mix them and pop in the microwave, yumm! :).
I am sure she is stressed but she has to get a grip and pull herself out of it.
This is great show i feel for this woman ❤️
Get a hot plate and some pots.
I was just going to say this too. Eat at the hotel breakfast (if there is one) and get a hot plate to make basic meals or just eat sandwiches or salads to save on eating out costs.
This is not the answer. It's actually the dumbest suggestion ever.
@@JustinCase780you can get a nuwave stovetop that plugs into the wall and cook damn near everything on that. The suggestion is on point.
Yeah and air fryer and a nutribullet, she could eat really healthy
@@kndub535Did you see that thing called the obvious fly over your head because you are clueless.
Once her heart is healed, she'll be doing fine. She still has her income, retirement savings, and good sense that is just clouded right now with hurt and shame. God bless her.
Lady if i were in your shoes
1. Rent a room.or look for an apt. Bad credit, they let you put one month deposit down.
2. For food, make sandwiches, get mixes salads, buy frozen burritos. For warm meal, go to a local Chinese place, order a tray of rice and protien like catering. You can eat good for less than $200 a month.
Yes. Something's not adding up about the numbers. Something she's not telling Dave.
I’m thinking she can’t find the kind on apartment she wants in the neighborhood she wants. Except for my first apartment, all the ones I have lived in were strict about credit scores, proof of income, and background checks. Sometimes I have waited weeks to see if I was approved, and my credit score is in the 800s. One apartment I was able to get because the manager told me the person who applied just before I did had bad credit and was denied.
I love Dave's good heart!
Peanut butter sandwiches with honey or bananas - no refrigerator, no cooking, all essential amino acids, cheap!
It is calls like this that inspire me to listen. Nice job, Dave!
In the meantime maybe she could research long term stay hotels. That way she'll have a kitchen and save money cooking at home, instead of takeout.
Hotel living can be a trap because it is so much more monthly than an apartment.. I bounced around after college snd lived in a hotel room (without a private bathroom) for a while, so I know. Many of the residents in those places are scary people. Fortunately I had people praying for me and family who took me in while I got my head on straight and I got on my feet. She can heal with some love and guidance
*If you are not in the financial market space right now, you are making a huge mistake. I understand that it could be due to ignorance, but if you want to make your money work for you...prevent inflation*
Interesting, This is superb! Information, as a noob it gets quite difficult to handle all of this and staying informed is a major cause, how do you go about this are you a pro Investor?
I feel Investors should exercise caution with their exposure and.exercise caution when considering new investments, particularly during periods of inflation. It is advisable to seek guidance from a professional or a licensed expert in order to navigate this recession and achieve potential high yields
Prioritizing effective personal finance management holds greater significance than the sheer amount saved, irrespective of income source. Consulting a certified financial advisor can offer tailored strategies to optimize financial results by reducing expenses and enhancing income, regardless of whether it's earned through employment or investments.
Brian Humphery Services was my hope during the 'bear summer' last year. I made so many mistakes but also learned so much from it, and of course from Brian.
He is really a good investment advisor. Was privileged to attend some of his seminars.that's how I started my own crypto investment
Good job, Dave!
I’m 55 and hoping to end the rat race at 60. I know money is liability to be exchanged for real assets like real estate (rental income) stocks (dividends) gold (wealth) But, what is it with bitcoin? I'd love to diversify my $200k portfolio for rapid growth.
My Honest opinion is, buy Bitcoin. Thank me later
look at the charts, bitcoin has outperformed every stock and banking product ever developed even after multiple pullbacks over the last decade. not a financial advisor but I know what i'm saying
The key is diversification. Personally, I delegate my day-to-day investing to a license advisor, cos my job doesn't permit the time to analyze stocks myself and thankfully, my portfolio has now 5X in 5 years, just about 10% shy of $1m. Stay motivated friends.
@@VictoriaMartins-s4u i'm blown away! mind sharing more info please? i am a young adult living in Miami where i've encountered several millionaires and my goal is to become one as well ..
Katherine Nance Dietz is the licensed advisor I use. Just google the name and you'd find necessary deets. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.
In Atlanta plenty of working people are living in hotels. Any eviction will keep you from renting even if you pay it off, you cannot rent.
Things could be much worse for her. Atleast she’s not a single mom
Won't be long until that happens.
Im in PA, close to philly, and my neighbor is litterally looking for a replacement roomate. Just need to expand searches!
Move to NYC, and say you just crossed the border.
I'm learning Spanish for just this reason, here in Massachusetts you get everything here as an illegal immigrant 😂😂😂
Very wise and sensitive counsel!
She’s an addict. Whatever is her vice she needs to conquer that beast and then begin to move forward.
not really. 4600 a month net goes by real quick when you have a 2200 hotel payment and 400 car payment
@@daveavemian5940 possibly but she should be able to save a good bit especially if she got a roommate
@@JDmix123 I agree - she needs to live in an apartment with 2 roommates and pay 700 a rent and send everything to student loans. 270k with student loans is atrocious for making 87k. just interest alone is 20k a year. She could pay 20k a year and not make a dent
@@daveavemian5940 dude 2200 + 400 is 2600. She still has 2K left for cell phone and food and all the money is gone?? Even with eating out the numbers don’t add up
I lived in hotels for months, it is perfectly nice. You are not homeless. Some people choose to live in hotels permanently. Buy a sandwich maker or buy subway sandwiches which aren't too expensive.
According to the numbers the caller provided, she’s not making $87,000. However she’s making more than enough to live within her means and not in a hotel…
She said she's paying $600 into her 401K every month
@@desireesalas5820yea I wouldn’t be paying into my 401k until I have a place
Hubs and I spent one month in Australia and ate out twice. As long as you have a microwave and a refrigerator you are fine for meals. Grocery stores are your best bet. You can eat very well with fresh foods in a hotel.
I think this is the worst call I’ve ever heard on DR show. She has $275k on student loans and she moves for love ?
Bad plan. Pay off your debt then worry about love
'tel me u neva felt in luv when u were young w/o tellin me u neva felt in luv when u were yung' 🙂
People on here commenting that she needs to “apologize” to her parents are making some big assumptions!!! My biggest problem throughout my entire life was coming from abusive parents. Both had serious mental issues. The results for me have been low income and two bad marriages. How often I have longed for support-like Dave said-someone to put their arms around me and say they have my back-but that’s an impossibility. Thank God, my second husband was a saver. But I’d give my right arm to have a sane, loving, stable family! 😢.
BS, she has multiple evictions.
if so the coach wil find out that & they can recalibrate. maybe she relocates. maybe she reconciles w/ fam. theres always more 2 the story than ~8 min. of wot we hear on air but thats y they 'donate' their resources 2 assist. thats the beauty of Dave as hed of the enterprise -- he deliberately chooses 2 spend x% of his assets in this type of charitable givin. /shrug
Im a landlord in Philadelphia. Dave’s right as long as you can afford the rent and your credit is bad. just an extra month of security deposit is all that needed for private landlords
But from Philly to Jersey os close. She threw away her housing to find love? Cause I don't understand why can't she just move back to Jersey
Because your not in her shoes dope.
@@JustinCase780 So she's not close to her own family, so that's always a red flag on her right?, secondly, we're always trying to make sure right, why on earth would you sell your house or throw away everything for that big of a commitment? And thirdly, it just shows how she makes decisions right?
Wow. This was a great video. Such great advice.
I'm favoured, $27K 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.
This sounds so good andI would like to
be a party to this, is there any wayl can
speak with her?
Can I start with as low as $1,000?
I'm sure her service is available outside
the US, but you gotta ask her first. I'm
positive because I have a friend who
stays in Australia and using her
services too. You should ask her though
to know if she offers her service to your
country.
I started pretty low though, $1000 thereabouts. The returns came massive. Joey is in school doing well, telling me of new friends he's meeting in school. Thank you Sonia Duke, you're a miracle
God is great 👏👏👏
I broke up with a bf and rented a furnished room in a house, not a full one bedroom apartment. Do people not have that option any more?
its not ~1964 anymore so yes its far less common. but in a city like Philly, i suspect there are many a row haus sumwhere up & down the main line where this does stil exist likely ...
Why is Dave's "help" contingent upon joining a church? You can find "community" in a lot of places other than a church.
Kevin, because on YOUR dollar bill it says: "in God, we trust" . 😮😅
@totit_t1445 You don't have to be religious to be social anymore, thankfully. We aren't in the dark ages anymore. Plastic debit cards dont say "in god we trust". And you do t have to be religious to help other people who are in need either. I have met some very disgraceful Christians over my lifetime. A person is either a good or a bad person regardless of their beliefs.
He didn’t say it was contingent. Yes, community can be found in many places, but she hasn’t. He is giving her a suggestion that is in his realm of experience. Why are you looking for something to complain about?
An additional little faith in God helps. That's why.
...because those are his beliefs and choice based on those beliefs...
...staunch agnostic atheist...
Sometimes when you are caught up in life you can't see the forest for the trees.. TV dinners work along with a cooler and some freezer bags. Buy TV dinners, put in freezer bags so they don't get wet most today are enclosed in cardboard, put in cooler with ice, pull out a tv dinner and save some money. Is it the healthiest option? No but short term it saves money. A loaf of bread and peanut butter and jelly makes a good breakfast or lunch on the go option. Fast food is crazy high anymore. Also instant coffee and hot water boom you have your caffeine kick. When we went on vacations a long time ago they didn't have coffee pots in the hotel rooms I used hot water from the tap to make my instant coffee. Later when we traveled I brought my own plug in percolator to make my coffee in the hotel room, put it in a thermos and on to our next distination. Anna In Ohio
She chased Chad and has zero financial sense.
She’s smart in one or a few ways, dumb in most others
How kind of Dave❤️