This is so true as someone who’s earning have increased and increased it is very easy to get tempted to increase your lifestyle but thankfully I’m disciplined now and have been for very long.
I love what he said about donuts! I was getting gas one day and the gas station had this big sign with a donut that said, "You deserve to treat yourself." I thought, "NO! I deserve to be skinny!"
Dave is so right. She has no idea how it feels To be debt free and savings in the bank. 6y ago I had $11k cc debt paying rent No savings and making $2300 take home. Then I heard Dave and now $0 cc debt cut up card. Bought a home cash and $42k in savings. I’ve done a complete 180 in 6yrs
Exactly. The only people it's good for is the companies because people overstuffed the job market with degrees. You'd get paid alot more if there were fewer people worth degrees out there
I'm in the process of installing a $3000.00 transmission in my 35 year old daily driver 4x4 truck (it's not a beater, it's a nice truck) and every time someone says "why don't you get a new truck" I ask them how much their payments are on their $70,000.00 truck and they say "$1400.00 a month" and I tell them for about the same as two months payments they make I'm fixing my truck and stay outta debt, that mentality is like spending $50,000 to get a $500.00 tax break and it's usually the same people telling me to get the new truck
I recently started thinking about getting a new car, I’m so glad I ran into this video. I’m going to wait until I’m debt free and have an emergency fund 🙂
Hang in there bro! You need to completely invest in the rice and beans mentality and continue the grind and side hustles! Those baby steps work if you just have the discipline! I’m debt free after grinding for 6 years! That good behavior you learn on the grind stays with you!
About to pay off my wife's masters degree..couldn't imagine taking out anymore education loans...she started talking that doctorate crap...I told her go for if her current job will cover the cost..if not be happy with you masters..not going 30grand in debt to make extra 5grand..done with the education carousel..Dave I felt the pain!!
"We can't afford to spend $3,000 or $4,000 to keep these old cars running, so we're going to spend $20,000 (or more) to get another car." And that logic is precisely why people stay broke.
@@condog209 Then again, I think I am an idiot for doing it, but I think it is more of the frequency of fixing it. It still is running, but I am saving a lot in the process.
@@wewhoareabouttodiesaluteyo9303That Buick is worth more than $2k lol get over the DRAMA. Nothing can justify a $20k car in this case ON THIS PLAN. She (and no one else) has to follow this plan. Its OK.
@@donjohnson1416 Honestly, it would be better to throw $19k on an old car to make it run or fix it up as it needs to be than buy a used car. I highly doubt one can still buy a used car for like $1k and be able to fix that car as fast as the one one currently has.
My professor father was like this. His advice was to keep studying all the time. He failed to understand that fending for oneself is the most important thing in life after a certain stage and age.
I’m very grateful my dad is more like Dave. People give guys like my dad and Dave a hard time, but they are successful for a reason and the older you get, the more you can relate to them.
@@MikeNapoli1989 He was also an A-grade narcissist. I'm really glad you have a good dad. I use past tense in my case because his narcissism caused me to stay away from him and I've been no-contact with him since close to 15 years now.
@@amireallythatgrumpy6508 It was a different era. He wouldn't let us out of his sight. There were no technological advancements. We couldn't go anywhere without his knowledge. I could only pursue endeavors for which he paid. Our aspirations and ambitions meant nothing.
Get the government out of the student loan business or require Universities to pay the full amount if the graduate doesn't get a full-time job within a year of graduation.
@@Lonovavir Actually, the federal government was never the problem, it's these contracted private sector businesses that are making HUGE profits. Although, I will make an exception for UCLA, CAL Berkeley, etc. as they were caught taking out of state students over in state. There should be huge discounts for residents of CA as the parents have been paying taxes to the state since the student was born. Lyndon B Johnson made student loans to help miners in WV get an education. Nixon screwed it up by privatizing it. Then during Clinton, the House and Senate made a deal with him that they let loans stay privatized and they would let Clinton have whatever was left of the student loans under the government. Sallie Mae, now privatized has the $ to advertise well and hire more people who could process loans faster and offer incentives and pointing the finger at the feds stating that they were slower and mess up. The now privatized Sallie Mae screwed TONS of people out of their money, fees, etc. This is why Federal loans have less APR than private loans.
It's one thing if there's a medical emergency and you're suddenly facing a large out-of-pocket bill. But you don't just trip and fall into a PhD program. Foolish.
The hubby and I became debt free 3 years ago. My 17 year old truck is having problems. God bless him,, my retired computer programmer hubby is replacing parts that he can get to in order to save money. We love being debt free and will try our best to not get a newer vehicle till we have to.
I'm compiling and picking stocks that I'd love to hold on to for a few years before retirement, do you think these stocks will do better over the years? I'd love to retire at least $2million savings. Now you got to rely on a pretty good diversification if you must stay green. Currently up 21% and being cautious. Still better deal than letting it sit in savings or checking earning near 0-1% interest.
Well up to 21% in this present market is impressive. I was wondering if investing in a cumulative ETF in this next decade is a sound investment. Or is it better to invest in a distributing ETF (even considering taxes)?
ETF's are cool. My portfolio is very much diversified so it's not like I have a particular fund I invest in. You should probably copy a licensed person more so noone with experience of past bear markets. I copy a chartered financial analyst Chris Ryan Stewart. Been quite consistent. My portfolio returned $33k in Q4
With only 350k, what do you expect people to do? 10 shares of one of those stocks will not get you anywhere. 3 shares of vanguard ETF, GIVE ME A BREAK!!! Forget the past of 10x stocks! Those free money days are over. With 350k, just buy an ETF like DIVO with a 5% monthly dividend and add what you can each month
I am envious. I have been in the red for too long even before the dip but would like to ask: Are you giving him your money or the money stays in your account?
Not so much when such addict being son, spouse or whoever thinking that can get away with it refuses to work and pretend that someone else pays for his ivory tower lifestyle.
I saw a different issue she went back in debt to go back to school for approx a 5% increase. She did saw 10% but that included an across the board raise from the state. That is not enough increase for the cost.
SO GOOD, break the habit run from the temptation and keep it out of sight! I sacrificed my sweets i got rid of all them because my kid had an allergy, and there was no other option and we succeeded
My former roommate was like that. I was shocked she was 10 years older than me & already had a BA degree (Theater 🤣) but was getting a second degree in Anthropology 🤷🏾
@@robertcarlclayton7724 I'd be okay for degrees with practical applications. Don't want to subsidize cost for stupid degrees that aren't usable. Of Course we should just make most degrees a two year course. Gen eds are stupid and useless for most degrees
Dave is changing my life. Student loan debt will be paid off by November while I’m cash flowing my grad school. I’ll be graduating in 13 months and get a nice raise. LFG
Dude, I am the same. I used to be sweet tea king - I literally had a crown (not literally). But I knew I had to drop a few pounds and save my teeth so I quit all cane sugar and now.... I don't drink sweet tea. We only use local honey and maple syrup to sweeten any food.
I have multiple degrees but I didn’t pay for any of them. Scholarships, work is the way to go. I got a $25,000 raise. Don’t go into debt. It’s not necessary.
This is like in the Liar Liar movie when Carrey was asked by his secretary to give advice over the phone to a criminal, he yelled into the phone "Stop Breaking The Law Aey-Hole!" I felt like Dave was about to yell "Stop Borrowing Money Aey-Hole!"
If she loves education so much, she should try the internet, where most of it is free. She's addicted to pieces of paper that cost $80k that validate her value as a person.
"If that otherwise reliable vehicle needs more than $500 worth of repairs, I told my husband we're not doing it!" Instead, we're going to go spend $15,000 because I'm an adult and doing stupid things is my right!
How much of the $10,000 raise is the state gov increased funding and how much is the PHD 🤨. I bet it’s at least half just the increased funding, making that PHD a pretty lousy ROI. Is she trying to go into administration, getting her Superintendent’s license? Huge waste to get the PHD otherwise. Anyway, that’s done with. Sounds like they could have a new car less than 12 months from now since the debt will be pid off by then and the new income and eliminated payments will buy a new car pretty quick.
You know oddly enough this relates to my situation a bit as I have a habit of going to McDonald's pretty much every day after work and yeah I wanna stop cuz for now technically I can afford it but in the long run its costing me.
Its like semen retention. Why would i out myself in a situation or an environment that can cause me to lose my energy You have to change the way you think. Thats why i love the book atomic habits
You are incorrect. Your salary goes way up after masters. Our clients that have a phd in education are making more money than the masters clients in education.
So, you can make a $400 - $600 per per month for a car, but you don't want to pay a couple thousand a year? Not me, thanks. I'd rather stay out of debt. At 56, I'm heading toward a career as a software dev, within about 11 months, I can replace my 23 year old van (247.000 ML) with a much new vehicle, paying cash.
Want to hear something ironic? Some of the worst money people are the people in the field of "education" or are teachers. Yet, the public keeps clamoring for the education industry to teach our young people about how to manage, invest and win with money. Yeah... I'll take a big pass on that idea.
I’m trying to figure out how she’s married with a Masters in Ed. About to get a PhD but said their take home was $65k? And how much did she pay for the degree for a $10k bump?
A masters can increase your salary in the public school but if you plan to teach forever and never coach or be a principle OR IF YOU SUCK AT TEACHING, education isn't for you. Pick up side jobs like extended day care or coach a sport.
People that rack up more student loans every year, taking just enough classes that they don't have to start making payements, then wondering how they end up with such huge student loan debt (because they kept racking it up and the interest kept accumulating)
You're odds of winning that sweepstakes of $3000 is like playing the lottery. Your odds of winning is 1 in 2.6 million or less. How many people going to win it ? Only a few
Well using bank debt can buy property investments which allows you to earn a profit after paying the bank monthly debt repayments. So debt it relative to the situation wouldn’t you say?
Here’s the thing. People, I think get stubborn and don’t want to fix their wrongdoing instead of confronting it and changing their ways to improve upon themselves. My definition of rich is being debt free and very proud to be so. It is a life changing experience.
@@johndone8045 never said anything about being homeless. Having a good job and being responsible with your finances, and being homeless are two wildly different things.
"I kinda told my husband....we just kind of stumbled back into it accidentally." No accountability. You don't kinda stumble back, it was YOUR decision!!!
The more debt we have, the more we're working for some other entities house. I'm not exception as I just found Ramsey. GIGO garbage in garbage out, it takes better inputs like these videos!
She's on her way to test drive a new car as we speak
Already signed the loan paperwork probably financed by the dealer with the gap insurance and extended warranty 😂
LOL
😂😂😂
Don’t forget that undercarriage coating 😂
Yup. Lol.
2:31 "You are never going to break the cycle, as long as you leave options on the table to violate the principles."....Wow! Needed to hear that.
This is so true as someone who’s earning have increased and increased it is very easy to get tempted to increase your lifestyle but thankfully I’m disciplined now and have been for very long.
When Dave has his "I've had it" moment, and proceeds to mute the caller 😂
😂😂
Exactly 😂
My favorite part 😂
It is no longer about the caller, time to talk about Dave's donut problem.
I never knew he did that.
I love what he said about donuts! I was getting gas one day and the gas station had this big sign with a donut that said, "You deserve to treat yourself." I thought, "NO! I deserve to be skinny!"
Dave is so right.
She has no idea how it feels
To be debt free and savings in the bank.
6y ago I had $11k cc debt paying rent
No savings and making $2300 take home. Then I heard Dave and now
$0 cc debt cut up card. Bought a home cash and $42k in savings.
I’ve done a complete 180 in 6yrs
Well done 👏
What's your household income now?
Either u make crazy $ or u live somewhere that cheap to own
👏🏿👏🏿👏🏿👏🏿👏🏿
Dave’s right! She needs to stop this debt cycle
She spent $60,000 on a master’s for a job that pays less than $45,000 per year then went and bought more education 🤦♂️
Isn't that normal in America ...degrees for the sake of education but never turn into an actual high salary
Exactly. The only people it's good for is the companies because people overstuffed the job market with degrees. You'd get paid alot more if there were fewer people worth degrees out there
Dude she enjoys it, meaning she can make a career out of it. Why get a high salary if you don’t like it, unnecessary stress.
And she thinks she’s knows it all too
@@ykook7000what was the point of your comment? It doesn’t excuse her actions? Stupidity. On her and you
He dumped her call like a bad habit 😂😂😂
She wasnt listening. She called then argued everything he said lol. She was getting BORING.
@@donjohnson1416 I agree
I'm in the process of installing a $3000.00 transmission in my 35 year old daily driver 4x4 truck (it's not a beater, it's a nice truck) and every time someone says "why don't you get a new truck" I ask them how much their payments are on their $70,000.00 truck and they say "$1400.00 a month" and I tell them for about the same as two months payments they make I'm fixing my truck and stay outta debt, that mentality is like spending $50,000 to get a $500.00 tax break and it's usually the same people telling me to get the new truck
I recently started thinking about getting a new car, I’m so glad I ran into this video. I’m going to wait until I’m debt free and have an emergency fund 🙂
Hang in there bro! You need to completely invest in the rice and beans mentality and continue the grind and side hustles! Those baby steps work if you just have the discipline! I’m debt free after grinding for 6 years! That good behavior you learn on the grind stays with you!
you've got this victor!
This was worth watching twice for Ken Colman's facial expressions 😂 he's great!
About to pay off my wife's masters degree..couldn't imagine taking out anymore education loans...she started talking that doctorate crap...I told her go for if her current job will cover the cost..if not be happy with you masters..not going 30grand in debt to make extra 5grand..done with the education carousel..Dave I felt the pain!!
Don't do it. Make her struggle to pay it off herself.
You hear many stories of wives divorcing husband's once husband pays her loans off.
Be careful
I really needed to hear this one. No more in and out.
"We can't afford to spend $3,000 or $4,000 to keep these old cars running, so we're going to spend $20,000 (or more) to get another car."
And that logic is precisely why people stay broke.
Well, if you are spending MORE in repairs than what the car is worth; then it is a losing proposition.
never spend more than half of a car's worth in a repair
thats a bigger waste of money
@@condog209 Then again, I think I am an idiot for doing it, but I think it is more of the frequency of fixing it. It still is running, but I am saving a lot in the process.
@@wewhoareabouttodiesaluteyo9303That Buick is worth more than $2k lol get over the DRAMA. Nothing can justify a $20k car in this case ON THIS PLAN. She (and no one else) has to follow this plan. Its OK.
@@donjohnson1416 Honestly, it would be better to throw $19k on an old car to make it run or fix it up as it needs to be than buy a used car. I highly doubt one can still buy a used car for like $1k and be able to fix that car as fast as the one one currently has.
My professor father was like this. His advice was to keep studying all the time. He failed to understand that fending for oneself is the most important thing in life after a certain stage and age.
I’m very grateful my dad is more like Dave. People give guys like my dad and Dave a hard time, but they are successful for a reason and the older you get, the more you can relate to them.
@@MikeNapoli1989 He was also an A-grade narcissist. I'm really glad you have a good dad. I use past tense in my case because his narcissism caused me to stay away from him and I've been no-contact with him since close to 15 years now.
@@wordsalad01 Beautifully worded!
You can study WHILE fending for yourself. He meant you should always be learning. Guess what? Dave says the same thing.
@@amireallythatgrumpy6508 It was a different era. He wouldn't let us out of his sight. There were no technological advancements. We couldn't go anywhere without his knowledge. I could only pursue endeavors for which he paid. Our aspirations and ambitions meant nothing.
Professional student. Amazing. Student loans need to be treated like business loans, you don't get one until you have a business plan.
Get the government out of the student loan business or require Universities to pay the full amount if the graduate doesn't get a full-time job within a year of graduation.
@@Lonovavir Actually, the federal government was never the problem, it's these contracted private sector businesses that are making HUGE profits. Although, I will make an exception for UCLA, CAL Berkeley, etc. as they were caught taking out of state students over in state. There should be huge discounts for residents of CA as the parents have been paying taxes to the state since the student was born.
Lyndon B Johnson made student loans to help miners in WV get an education. Nixon screwed it up by privatizing it. Then during Clinton, the House and Senate made a deal with him that they let loans stay privatized and they would let Clinton have whatever was left of the student loans under the government. Sallie Mae, now privatized has the $ to advertise well and hire more people who could process loans faster and offer incentives and pointing the finger at the feds stating that they were slower and mess up. The now privatized Sallie Mae screwed TONS of people out of their money, fees, etc.
This is why Federal loans have less APR than private loans.
@@wordsalad01 I agree with sports being privatized. Public schools should only be academics.
And collateral required. That’d make a huge difference
Thank you for saying the phrase “take a no options approach”.
This call’s question is very similar to a family that I know.
Lol Ken's face when she says they "Stumbled back into it."
She accidentally found herself back in debt. 😅
It's one thing if there's a medical emergency and you're suddenly facing a large out-of-pocket bill. But you don't just trip and fall into a PhD program. Foolish.
So two cars that are drivable, but she want's to by a new one?
If the repair cost less then a new car. It's worth it to fix it.
Absolutely!! She just loves spending money and going into debt. I love spending too, but with cash and no debt!!
She keeps letting life happen to her.
@@stevenporter863 Right - gotta take control.
@@jimroscovius Bingo, lifetime students are weird. Unless it bumps up pay big time.
@@jimroscovius I think Jimmy is sober today, he is making sense!!!
Car repairs are so much less than a car payment! Just stick it out for a bit longer and save up for the better car.
The hubby and I became debt free 3 years ago. My 17 year old truck is having problems. God bless him,, my retired computer programmer hubby is replacing parts that he can get to in order to save money. We love being debt free and will try our best to not get a newer vehicle till we have to.
The psychology of money. Great book.
Boy is it.
I'm compiling and picking stocks that I'd love to hold on to for a few years before retirement, do you think these stocks will do better over the years? I'd love to retire at least $2million savings. Now you got to rely on a pretty good diversification if you must stay green. Currently up 21% and being cautious. Still better deal than letting it sit in savings or checking earning near 0-1% interest.
Well up to 21% in this present market is impressive. I was wondering if investing in a cumulative ETF in this next decade is a sound investment. Or is it better to invest in a distributing ETF (even considering taxes)?
ETF's are cool. My portfolio is very much diversified so it's not like I have a particular fund I invest in. You should probably copy a licensed person more so noone with experience of past bear markets. I copy a chartered financial analyst Chris Ryan Stewart. Been quite consistent. My portfolio returned $33k in Q4
With only 350k, what do you expect people to do? 10 shares of one of those stocks will not get you anywhere. 3 shares of vanguard ETF, GIVE ME A BREAK!!!
Forget the past of 10x stocks! Those free money days are over. With 350k, just buy an ETF like DIVO with a 5% monthly dividend and add what you can each month
I am envious. I have been in the red for too long even before the dip but would like to ask:
Are you giving him your money or the money stays in your account?
You don't give out funds here. My account only mirrors his trades in real time. That's the ideal for this system.
I'm just like you , Dave, I can resist ANYTHING, except temptation!!
Do they just mute the callers and they just hang up or what? One minute she was talking and next she just gone 😂
I been hung up on before. They dont give a fuck.
Always love the dave and ken combo👍🏻
Is that available at Wendy's?
@@JustinCase780 😂
“Education addict” That’s hilarious!
Not so much when such addict being son, spouse or whoever thinking that can get away with it refuses to work and pretend
that someone else pays for his ivory tower lifestyle.
I can’t fault her on taking a loan on a higher degree if it pays off in the long run with a higher salary.
@@cesaravegah3787 True.
I saw a different issue she went back in debt to go back to school for approx a 5% increase. She did saw 10% but that included an across the board raise from the state. That is not enough increase for the cost.
When someone cuts dave off, he hangs up on them and finish saying what he was saying. 😅 savage.
This was such a fun listen lol real chill episode
I have never been addicted to doughnuts......my grandmother, on the other hand, always offered us donuts as she LOVED them.
Doughnuts. Donuts. Two different treats!
Oh
How much is it going to cost her to make 10,000 more per year?
Asking the real questions
Don't forget the mandatory pension and taxes deducted. She paid 30 grand for a 6k a year pay bump 😂
She’ll make more than that.
Now I want a donut 🍩
Step away from the donut
and Sweet Tea
I want six of them.
SO GOOD, break the habit run from the temptation and keep it out of sight! I sacrificed my sweets i got rid of all them because my kid had an allergy, and there was no other option and we succeeded
Liquid Death tea is where its at. Less than 50 calories and less than 8 grams of sugar but still is relatively sweet. Give it a try Ken!
I was thinking about having 1 credit card and continue the dave plan but im glad I heard this.
Most people aren’t scared of debt…………because it’s accepted as a normal thing to do because everyone does it.
Debt is not scary, making not enough is what scary
That's the problem with so many of these callers - they are so casual when they describe their debt, even if it's 6 figures.
@@linuxsurfer2002faxx
It is part of the capitalism system😊
That "Okay..." by Dave said everything🤣
These career students are the worst.
My former roommate was like that. I was shocked she was 10 years older than me & already had a BA degree (Theater 🤣) but was getting a second degree in Anthropology 🤷🏾
If they are graduates and they find a job with the university through an internship, the college actually pays them to stay with the college.
Yes! However, if you’re going back to school for a higher degree that will lead to a better salary, like in her case, I think it’s justified.
@@TheComp_Troller won't happen. She will get more debt than what any future job will pay
@@TheComp_Troller I think the sweet spot is a Master's.
I have the same problem as her with different decisions. Sometimes it’s good to hear these calls and get convicted.
As a native South Carolinian, I can tell that she's definitely from Florence, SC😅
This is the problem with America. People getting into debt for a masters/PhD but only making 90k.
She's lucky to be making 90k as a teacher lol
Better to go to a community college for IT and then make over 100k doin IT work
There should be no college debt for at least a 4 year degree. Most civilized countries removed this problem.
@@robertcarlclayton7724 I'd be okay for degrees with practical applications. Don't want to subsidize cost for stupid degrees that aren't usable. Of Course we should just make most degrees a two year course. Gen eds are stupid and useless for most degrees
Dave is changing my life. Student loan debt will be paid off by November while I’m cash flowing my grad school. I’ll be graduating in 13 months and get a nice raise. LFG
Dude, I am the same. I used to be sweet tea king - I literally had a crown (not literally). But I knew I had to drop a few pounds and save my teeth so I quit all cane sugar and now.... I don't drink sweet tea. We only use local honey and maple syrup to sweeten any food.
I have multiple degrees but I didn’t pay for any of them. Scholarships, work is the way to go. I got a $25,000 raise. Don’t go into debt. It’s not necessary.
Spending 60k+ to earn an extra annual 10k pretax is literally dumb
😢😢
Not as dumb as people who use your penultimate word every sentence.
"literally" and if it wasn't "literally" it would be fine
Especially since most of that increase is due to state wage increases, not the jump in education.
@@JustinCase780 Oh wow, you can actually use your brain.
There's a pattern here. Whomever is at the desk with Dave has one job. Tell Dave how awesome he is.
Lol 😂I love how he disconnected the call lol bye
lol i love how he muted her at 3 min mark. lady, SHUT UP AND LISTEN. YOU are now the student, not the teacher.
This is like in the Liar Liar movie when Carrey was asked by his secretary to give advice over the phone to a criminal, he yelled into the phone "Stop Breaking The Law Aey-Hole!" I felt like Dave was about to yell "Stop Borrowing Money Aey-Hole!"
Sounds like a premature celebration
Three year break even for higher education is actually pretty good!
If she loves education so much, she should try the internet, where most of it is free. She's addicted to pieces of paper that cost $80k that validate her value as a person.
Winning with money is psychological, not mathematical.
Very much so. It's more behavioral than numerical!
Without the math part the psycho part is useless
Faxx
Amazing quote.
A "professional student" NEVER gives a rats butt about a new car. Loca.
Use honey instead of sugar to sweeten your tea! It's better for you and taste just as good. Been doing that for 3 months now and my wife has no clue!
"If that otherwise reliable vehicle needs more than $500 worth of repairs, I told my husband we're not doing it!" Instead, we're going to go spend $15,000 because I'm an adult and doing stupid things is my right!
How much of the $10,000 raise is the state gov increased funding and how much is the PHD 🤨. I bet it’s at least half just the increased funding, making that PHD a pretty lousy ROI. Is she trying to go into administration, getting her Superintendent’s license? Huge waste to get the PHD otherwise.
Anyway, that’s done with. Sounds like they could have a new car less than 12 months from now since the debt will be pid off by then and the new income and eliminated payments will buy a new car pretty quick.
😂😂 his face from the beginning
You know oddly enough this relates to my situation a bit as I have a habit of going to McDonald's pretty much every day after work and yeah I wanna stop cuz for now technically I can afford it but in the long run its costing me.
Add up the monthly amount. Do you want to spend that money at McDonald’s? Do you want to ruin your health?
@@genxx2724 I am already aware of that been aware of that for a while actually.
There's this strange thing available...make a salad with vegetables.
You'd not only benefit financially but also nutritionally if you stopped having fast food so frequently.
Call in to argue lol
Wait! She paid for a PhD only to increase her annual pay by 10k???
She says she “accidentally” got back into debt. Getting in and out of debt are both intentional.
No. Getting into debt is usually a result of not having ANY intentionality.
Faxx😊
Because life goes on....
Its like semen retention. Why would i out myself in a situation or an environment that can cause me to lose my energy
You have to change the way you think. Thats why i love the book atomic habits
Let’s get an update on her, what car did she get after this call?
One of the best albums is Kanye West’s College Dropout. She should listen to it.
I don't care about what she is saying. It is NEVER financially worth to get a Phd in education.
You are incorrect. Your salary goes way up after masters. Our clients that have a phd in education are making more money than the masters clients in education.
The donut handling advice! So good
I graduated debt free because I wouldn't settle working for a company who didn't offer tuition reimbursement.
It was such a blessing! 😎👍
What company did you work for? I can’t find a tuition reimbursement program!
Dave Ramsay sensible advice .will she take notice
So, you can make a $400 - $600 per per month for a car, but you don't want to pay a couple thousand a year? Not me, thanks. I'd rather stay out of debt. At 56, I'm heading toward a career as a software dev, within about 11 months, I can replace my 23 year old van (247.000 ML) with a much new vehicle, paying cash.
Want to hear something ironic? Some of the worst money people are the people in the field of "education" or are teachers. Yet, the public keeps clamoring for the education industry to teach our young people about how to manage, invest and win with money. Yeah... I'll take a big pass on that idea.
Yes!
Hi Dave is your book available on kindle? greetings from Ireland
This was awesome 😂
It is about behavior stupid. I am winning with money for the first time in my life. God bless.😊
She is going to get that 💯 k truck
Depending on what she spent on the doctorate, $10k more per year could take years to profit from.
Smart gets you the first step, grit gets you the rest of the way...I don't go into banks 😌
I’m trying to figure out how she’s married with a Masters in Ed. About to get a PhD but said their take home was $65k? And how much did she pay for the degree for a $10k bump?
Inflation is out of control.
10 k more for a PHD😮
A masters can increase your salary in the public school but if you plan to teach forever and never coach or be a principle OR IF YOU SUCK AT TEACHING, education isn't for you. Pick up side jobs like extended day care or coach a sport.
Now I want donuts 🍩
If your paying off student loans its impossible not to use debt to your debt. Debt is not the enemy. Its the low paychecks
Hey dummy, debt AND low paychecks are BOTH enemies.
Don't break the pattern. Stay in debt. It's not scary.
"A bird in the hand, is worth two in the bush".
Why do people have so much debt in the US ?
10k bump only.. for getting her PhD. WTF. Why are people so dumb. It’s not worth it.
People that rack up more student loans every year, taking just enough classes that they don't have to start making payements, then wondering how they end up with such huge student loan debt (because they kept racking it up and the interest kept accumulating)
when is the drawing for the $3,000 dollar giveaway?
After his employee wins.
You're odds of winning that sweepstakes of $3000 is like playing the lottery.
Your odds of winning is 1 in 2.6 million or less.
How many people going to win it ? Only a few
i was just looking for an answer y’all 😅
Well using bank debt can buy property investments which allows you to earn a profit after paying the bank monthly debt repayments. So debt it relative to the situation wouldn’t you say?
No soda in my house. Hate it now.
She isnt an education addict, she's a certificate collector. If she loved education, she'd just go to the library for free
Let’s see .. would you get a surgery done by a doctor who studied anatomy in a library.. I bet you won’t ..lol
@@VJ-cj2uk that's literally the point I made in my comment. She wants the certificate, not the education 🙄
I would never get a PhD in Education, especially for 10k more a year.
Good! 😂😂😂
Here’s the thing. People, I think get stubborn and don’t want to fix their wrongdoing instead of confronting it and changing their ways to improve upon themselves. My definition of rich is being debt free and very proud to be so. It is a life changing experience.
I dont think her situation is bad with her numbers
Homeless would be debt free and that doesnt mean hes rich
@@johndone8045 never said anything about being homeless. Having a good job and being responsible with your finances, and being homeless are two wildly different things.
Education addict? You can get that for a $1.50 in late charges at the public library!
"I kinda told my husband....we just kind of stumbled back into it accidentally." No accountability. You don't kinda stumble back, it was YOUR decision!!!
The more debt we have, the more we're working for some other entities house. I'm not exception as I just found Ramsey. GIGO garbage in garbage out, it takes better inputs like these videos!
Cringe forced laughter 7:30 lol
A lot of those in addition. 😂😂😂