$150,000 In Debt and I Make $43,000 A Year!
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- Опубликовано: 2 окт 2024
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Kids, be careful what you major in. Think in terms of ROI, Return on Investment, not just what's fun.
Nelsonomics Runs I'm sure his degree can earn more just not in Philadelphia
@@Da_padilla Correct! My brother-in-law makes $80,000 plus a year and has degree in heath science. Graduated from Cleveland State, did his intern at John's Hopkins and works with children who have autism. He previously earned an engineering degree but decided that was boring 😂😂😂 so he went to school for health science. Also lives in Ohio.
RD L how did he afford two bachelor degrees
I'm gonna save money and open up a university. Best business ever.
Im in! Lol
Got room for a partner
Yes and they don’t have to produce results
You need investors???
Mandatory class: Common Sense 101
Wow, whenever you think you have it bad someone else always has it alot worse.
All these people judging and making malicious comments...he came to Dave for help, not you!
Thank you. Everyone in the comments are financial advisers who make 90k a year, never went to college and have zero debt
👍🏽
Dude made some horrible decisions... Let's be real
Dave puts his stuff online. You know this when you call him. This is an entitlement attitude.
Comment section is not for advice it's for trolling each other, maybe get a bit of semi social interaction.
I'm rooting for him. I came out of school owing $85k in student loans and made $19k annually, praise God things are better now.
how long did it take you to pay it off?
@@wiiiz3 it's going on 7 years. My balance is now at 30k, I have an emergency fund to protect me if I lose a job. I'm determined to have these loans paid off in two years. I am thankful to still be relatively young to enjoy the rest of my life.
No Debt But Love Good you believe in yourself and are putting in the work instead of all the "I can't" people. $11k in loans with my $2200 a month in take-home felt tight (cheapest rent in the area I was willing to go at $1100). I'm rooting for you.
May i ask how you did it?
No Debt But Love what’s your job?
Never let school get in the way of your education
My buddy Samual Clemens said that 🤔
Saw a great bumper sticker the other day: "Stealing my identity would be pointless"
Loooove it!
sung choe lol 😂
If getting a college degree meant going 90 thousand in debt for a loan ........ Id rather take my chances with no loan debt and just hit the work force working hard at what ever job I found ! This guy has his degree and his big debt , and working a job that he could have had without the degree and debt !
The way Dave says “we need to up that salary to 90-100k” cracks me up.
Dave, it’s not that easy to up salaries, you’re better off cutting down on your bills
Yeah really. If people making the low end of the average US salary could just "up their income" to 90-100k, they would have done it already. In fact, everybody would.
Planet Schlock I think he is talking house hold here. His wife was a lawyer, so she has great earning potential. The key is to figure out how to get her into some paralegal work. As an uber driver he could work a normal 9-5 and uber as well. There is a good chance he could do both and that could give them together an extra 60k
@@planetschlock Everyone could do anything... but most don't.
The point is, dual income.
you weren't listening, you just commented when you heard 90-100. He said clearly with his wife working.
Man, I would so love to hear the advice Dave would give my parents. They really need it. I think they’re about 30k in debt and have no retirement set up at all and they’re in their late 50’s. I’m scared for them.
This is why 2 years ago I decided to pay off my 20K debt so my child would not have any burden if I go. You need to make an issue with them about paying it off so you don't get stuck with the headaches.
We all know that loan is not all tuition. It's when you live off your loans for a few years.
Michelle and living Large fooling yourself😞
zunai andre yeah. Exactly
Not true. I sent my refund checks back to the loan provider.
Ms. Smith out of state school? Tuition seems super high ?!?
Some people abuse these loans like they don’t need to pay them back 😩
So not only does he have to stress out about $150k in debt every night, he's also stressing every day in traffic.
so grateful I live in Aus. I did a bachelor of biotechnology and medical research with entry level positions in the 50 grand or above range and it cost me $31 thousand in interest-free debt. I can't believe you can get 100 thousand dollar degrees and not be a Doc or lawyer at the end.
You can come out of college without crazy debt in the US too. I just went to city college and it was cheap. All the friends who didn’t need to but decide to go Up State for the college lifestyle or out of state are the ones with crazy debt.
He went to a for profit school and got scammed.
All colleges are for profit
I think we all can agree that this guy suffers from poor financial literacy and planning. It doesn’t matter if you have a college degree or not. I hate it when people call college a scam like the people in the comments. If you don’t have an understanding of finances, you fail either way. You have to be smart with your future with or without a degree. Invest in where your interest can earn you a profit over your debt.
I'm honestly floored that they haven't already looked into how they can use the wife's law experience and find her a job in a firm working as a paralegal or investigator. Like the only thing they're thought is sending her to college to get an American degree??? That's a whole other salary that's sitting in the house.
Health science is for people who plan on going to grad school immediate after graduating from undergrad.
Can he go teach at a HS?
kayciable Health science degree is about nothing!!
Just Me actually a health science degree isn’t about nothing. You take many pre-reqs for graduate school professional programs. It allows you to gain a nice GPA while taking pre-reqs. Also there are concentrations you can choose such as healthcare management. Idk why you think a health science degree is about nothing. You’re supposed to do extracurriculars during undergrad outside of the classroom to work towards your career goals.
LadyNYC211 maybe. He could probably start by being a substitute teacher and then getting the required certifications and then teaching. But teachers are barely scraping by, especially if it’s a one income household.
It's one of those degrees you get purely to attain high grades for entrance applications to grad school, probably law.
Uncle Dave was about to explode when he heard what degree the caller took
College prices need a big time correction.
Why would colleges reduce prices as long as they can keep getting students like the no-nothing caller to keep borrowing money and keep paying for useless degrees?
@@edermitt They wont they have gone up so much do to student loans...if govt regulated them better and limited amounts loaned prices would drop...but that will never happen because govt and schools tied together.
Mark G I am not sure how it would even be possible to blow that much money on a degree at in state schools. If you go to most SUNY schools AND live on campus AND buy the meal plan you wouldn't reach $90k, I can't imagine it is much different elsewhere.
They need to stop offering worthless degrees.
@@markg999 Government needs to stop guaranteeing these loans. The government signs blank checks for schools to continually jack up tuition. Less regulation (i.e. no federal guarantee payment of default loans) and the schools would have to drop the prices.
The wife needs to work. Just saying even if it’s working at McDonald’s.
Uber in August 2018 is not working for anyone. Wait until your first serious car repair. Sadly most people are not factoring in car payments, fuel, maintenance, depreciation, car loan interest, etc. people literally “work” by driving for Uber while going into more debt because of it.
Not if you don't have a car payment
monica62888 lol you still get the depreciation, maintenance, and Uber won’t even let you drive a car older then like 8years I believe. You never make money with Uber in the long. You lose , it’s only a very short term fix to get instant money. In the long you lose . He is completely right in the comment.
Eagles Fan Since Super Bowl 52 100% correct. You never make money with Uber in the long. You won’t even make minim mage when you factor in the depreciation , Maintenance, time.
Says who? Husband is a handyman full time and drives uber a few hours a day before and after. It’s an awesome supplemental income. Plus, all those expenses you mentioned are tax deductions. Plus mileage. We always come out ahead. And I work.
As always, has a kid and wife doesn’t work. There’s a pattern with these people.
omfg i know. i can not stand when people say their wife doesnt work and they dont knw what to do. so dumb. make her go to work! and if you cant afford a baby sitter, then work opposite schedules.
lpt2008lt absolutely. Sometimes you have to make sacrifices to better your family’s future. But it’s cool, they want to stay in debt and be lazy.
Why is every caller a "family", why are people who cant support themselves allowed to procreate
@@lpt2008lt right or the wife could drive Uber like he does too if she doesn't wanna work opposite schedules or can't afford daycare. No offense but these women act like it's the 1950s still and like they don't have to contribute anything other than sitting with a child at home all day and cleaning.
C Leh yea she could work at least part time and that’d make a big difference
Wow spent 100k on school and can’t even make 30k a year. What a disappointment 🤦🏽♂️
INVESTING HUSTLER - Stocks Money Entertainment as a social worker with a masters... I felt that in my soul 💔
Sarah Christy Rose you can also invest in stocks and create a drop shopping store. You don’t have to work a 9-5 TAKE CONTROL OF YOUR LIFE
yummy dropshipping is a scam.
INVESTING HUSTLER - Stocks Money Entertainment lets call it what it is, this guy is a straight loser.
Matias Bueno how
Poor fella. He probably should start over with a new identity
😂😂😂
Justin Winford
You're funny
Ahahahahaha 😂😂😂 Funniest comment to date! Lol.
Lol 😂
🤣😂😂
Don't know much about the Health Sciences degree, but according to a simple web search, salary ranges for that degree are $41k to $84k depending on the position. The $32k the caller quoted sounds pretty low.
Harley Pebley yea I saw he’s tripping..he should do more research
Depends on state
Harley Pebley I have the same degree, health science is basicallly public service career. The biggest income factor is employer. Are you working for a major agency they get a major resource gettin referrals from hospitals, courts etc. paying $22/hr or are they a small startup non profit, or small but established but doesn’t have the platform/ footing in the community so they start you out with $13/hr DOING THE SAME EXACT THING.
I think he means immediately available to him. That's a point a lot of people miss. They do the research and are looking at experienced and mid career wages and don't realize the wages you make in the first 3-5 years won't sustain you long enough to get that 3-5 years experience.
Tbh it’s mind blowing that 18 year olds take $90k+ loans to go to college for a job that pays $30k entry. Go into trade work, the US is bleeding trade workers! Or if you want to go the college route without student loans, go to your local recruiting station, sign on the dotted line for the minimum amount of time, get out after your enlistment, go to college for FREE on the post 9/11 G.I. Bill while getting a housing allowance and still being able to work.
His wife also need to get.a job doing something anything to help their debt!
Went to Trade School and now making over 80k a year! Not sure if I should go get a "education"
This show really make me feel good about myself lol
hairlesheep same 😂🤣
This show is basically about hearing other people terrible experiences so you feel good about about yourself, really not financial advise, entertainment at it's best👌
$90K!! for a career that pays $30K??come on Mom and Dad 🤦🏻♂️ be a parent do your job right WOW!
I made 45k as a phlebotomist and working pt for a nursing agency as a CNA while in rn school wow I feel sorry for this guy. The CNA was 12 weeks the phlebotomy job was on the job training.
I really don't understand these people. You are suppose to research the career field BEFORE you take off 100k loan! Go to community college for first couple of years if you are not sure what you want to do. The internet has everything you need to know about any career field. Do research people.
Hasan Uchchas Facts I did exactly that
Better yet see if you can get an entry level job in the field as a test, it can be very enlightening and even if you need some education to get that entry job it can save you from the full blown mistake.
some kids are ill advised... they don't know any better
Better yet, BE IN THE FIELD FIRST before you take on a student loan like that!
Wow... so judgmental. A 17 and 18 year doesn't have a clue. Some of us are not correctly advised. All we are told is to go to college.
Most of these problems is just that people don't want to work. Like work work, really work.
Here's a tip: Don't have a baby when you're in that much debt, and have a small income. Oooops, too late.
Jennifer Tackett sometimes babies come regardless of Contraceptives. Oops.
How do you know? People say stuff but no one ever questions if it's true?
People make insensitive comments like this when they're self-righteous. I'm sure each individual who says things like this suffers from other issues that I'm sure they'd want grace and mercy for.
@Gurl EYee comment of the day lol
It’s not simple for some
Why!!! Are people having kids when they can’t afford their own food!!!
Raf Orr they don't believe in contraception
By what standard is that wrong?
@@s.m.o.p.9932 not wrong, just unwise
Raf Orr think of all the money people save on condoms by just having kids though🤔
Low iq
Skip college, read "Rich Dad, Poor Dad"
Buy assets, NOT liabilities.
True. His education is a liability
elgooges Great book. I’m always pushing that book on everyone I know. People need to change the way people think about money. This book was one of my many red pill moments in life.
Do you know the author has gone bankrupt? lol what a joke
@@lllllllllarose A lot of millionaires have declared bankruptcy at some point, guess the joke is on us.
A lot of millionaires have cheated too, is that a good thing? How can you take financial advice from someone who is financially unsuccessful? And the author encourages people to use debt as leverage, it's stupid if you think u can outsmart the bank that loans you those money. And I doubt you listen to Dave although ur commenting here.
If it wasnt for Dave Ramsey I would've bought a new $15k car which I couldn't afford. Today I drive a 2002 Toyota Corolla which I bought for less than $2k. Only do regular oil changes and doing good so far. So thankful. I'm 20 btw
Pay cash on cars and don’t make payments. IF you make payments be sensible and have a fast plan to pay it off.
Don’t make payments and stay out of debt. You will live a happy life that way.
Stop going to college. Get good at what you want to do by experience. College is a waste of time for those not going to be doctors or lawyers. I got caught into that idea that college was going to set me up for life. Big mistake that was. I was sold the story that that was the way. I have more than 3 friends who never went to college and earn 6 figures because they got a head start and got really good at what they wanted to do. Don't waste 4 years on more English, Science, math classes that you don't need. Stick to the path that will bring you results. Great experience beats a good degree!
I don’t understand people. Why is it so important to try to impress people? I make $50K/year and have no debt. I survived the housing bubble, divorce, even a six month long absence from work due to an injury. I drive a 26 year old Volvo as my daily driver. I don’t have cable. I pay $600/month child support (up to date on that). I own a small home worth around 45-50k completely paid off. I have savings and investments. I learned how to maintain my car and home myself except for major repairs. It’s not that hard people. Sure I don’t impress anyone at a traffic light and I have given up on dating (most women do not want a frugal man). I even manage to vacation for two weeks every year. People need to be humble.
Most people don't want to live like that.
Chump Johnson - you’re doing all the right things. I do the same things. Most people spend money they don’t have to buy things they don’t need to impress people who they don’t even like .
Mr. Ras Lyon
True most people can’t humble themselves and live within their means.
Dani Santos
Very true. It’s like the majority of society suffer from arrested development and are stuck in a high school mindset of wanting to be liked and popular.
Jesus housing is that cheap where you are!!!
Kids today need to be blue collar workers start from the bottom up...you can move up in the field and a lot of these companies will pay for your schooling/training or pay a percentage....no need to go into debt for a job that you may or may not use!! And many get a degree in a field that doesn’t pay as much as they say they do!! And don’t be having kids when you don’t have $$$ to do so!!
State/city colleges are cheap and are usually covered 100% with pell grants/tap. Dont go to college and be in debt. Not all doctors and lawyers graduate and get a job that pays 100-200k/year. The vast majority will be making 60k-90k.
Marriage and having kids is not for everyone. If some people will understand this they will be better in life
Another guy with enormous student loans and no career plan, a non-working wife and a baby they cant afford. Do these people know what PLANNING is??
Word Dog!
great advice. "instead of making 43k a year, make 90k a year and you are out of debt in 3 years"
Genius.
People need to research research before they pick a profession,, she could be a legal Secretary it pays bills and she learns usa legal proceedures...at the same time,, I agree Get a job in your profession,,,all the best
Excellent advice Dave, your videos are very inspirational and educational.
I just don't understand why you would get a degree 3x your annual salary. Makes no sense, I'm sorry.
Mistake 1: Go to college with debts
Mistake 2: Study in a worthless field
Mistake 3: Have a baby too early
I have no school loans, no credit debt, no car payment, no bills besides my phone rent and utilities. Now I have to finish the baby steps
John *gets student loan check for $100k*
John *goes through course catalog*
*careers that pay $100k+* "Nah ! 👋🏻 "
*Careers that pay minimum wage* "yaaaaaaas king ! 🤗"
Hi, just an idea, but John could pick up additional work as a behavioral tech for students/clients with developmental disabilities - which I believ would fall under his degree...
D Muccular finally someone with an idea that can help instead of poor, insentive criticism that is unproductive. 👍
I came out of school (High School) with zero debt. Instead of going to college I went to work. Three years later I purchased my first house. One year later I got married. That was 43 years ago. I am now retired and still debt free. It never ceases to amaze me how so many people can't put pencil to paper and do simple math. Nobody and I mean nobody should go to college without a game plan. I had a game plan right from the get go. Failing to plan is planning to fail.
Hope your still going well bernie. Have you only saved so far or have you been investing. Hopeing i could be like you at your age
It was brainwashing in the 80s and 90s that “nothing is more important than a college education.” HUGE lie from the devil
You do know you’re not better than anyone in life just because you’re debt free right? Spare me that holier than thou nonsense
Dude, sir, respectfully you’re talking about the 70s here. A high degree back then was still competitive I would assume so of course you were fine. It’s a whole different era now.
Best solution. Move back in with parents for ten years. Pay 15000 a year. Then you'll be debt free. No other way around it And don't go to college for a worthless degree again!!
I hate to say it, but for most men today, the reality is you cannot AFFORD a family. You just become overwhelmed and burned out, and the wife leaves you. Look at the divorce rate.
try Lyft they have good goals to meet, keep close tabs on expenses and drive drive drive
He bought a $17,000 car and he only makes $43,000 a year OMG! I'm a millionaire and I bought an $8,000 truck the middle-class wonders why they can never get out of the middle
Jason Robbind - Agree. Most people have a spending problem, not an income problem.
Im still driving my used 2010 Corolla... im going to drive it until the wheels fall off 😂
You're not a millionaire.
Any advice for a youngster sir?
CrappyGamerHere lol
Reality check: if the wife gets a job making 40k a year, that is not 40k towards debt. That is 40k gross.
Google says Pennsylvania average for a child that age is 10k a year.
If her job pushes them into the 22% tax bracket before deductions, her share is about 8k Plus the cost of a car, gas, clothes appropriate for her new job, etc., etc. She'll net 23k on that 40k after the 1st year (unless deductions).
Not saying to not do it, but go in with you eyes wide open. And you have to make sure your earnings are well past the break even cost. (I.e. don't spend 10k on child care for a 10k job)
Healthcare admin job starts low but there is a path! While driving for Uber doesnt get u anywhere in terms of career...
Just a reminder that almost 4 billion people live on less than $400 a year.
With her experience she can work as a legal secretary while she's getting her associates. Then she will be a paralegal, get a raise and work on her doctorates to become a lawyer.
Some of these calls are so frustrating
You can make 2-3 times more without a degree.
Younger people (ages 16 to 25) need to invest in passive income as aggressively as possible. Take the dividends and capital gains and reinvest them.
Sometimes yes but not always...I attended a community college to earn a nursing degree, and it's been a great investment!
@C B , I can only speak for myself. I make 62K a year in Alabama ( no OT ). We are booming in the south with Mercedes, Honda, hyundai, and Toyota/Mazda coming in 2020.
@C B , I agree cost of living factors in also. In this instance with this caller you should research your career field. You should only take on that career that pays substantially less if you afford to.
@C B That's messed up. We've been booming in Alabama since 94. The manufacturers bring Tier 1,2 and 3 suppliers with them so we are constantly adding more jobs in the state.
I hate that Dave thinks, it's easy to get a job. If there was a job, there are other people who want that job too. You can press a button and a job magically appears for you.
Maurice W there is a job for her out there in Philadelphia! I am a foreign trained lawyer as well, I am bilingual (as I am pretty sure she is as well), and I got a job as a paralegal in the city of Philadelphia without any education here in the US! The thing is that you need to WANT to get the job... the job is not going to knock on her door!
JuLiaNa aRéVaLo aRéVaLo because you are bilingual and his wife may not be. Not everyone from another country speaks another language. Stop judging you Spanish speakers have taken over America and have taken the jobs. It’s easy for you because you speak Spanish
@@wantitwrite Lorraine you sound like a ignorant spiteful bigot.
I drive for Uber but I have 0 debt or student loans. My husband is the main breed winner so Uber extra spending money .
*You work for 40yrs to have $1M in your retirement, meanwhile some people are putting just $10K into trading from just few months ago and now they are multimillionaires..*
@marktaylor8839I've been trying to trade but I keep making losses and it's frustrating
If you are using really a good broker or account manager is easier to earn from the market
I highly recommend Mrs Victoria k walter . She is my current trader and her strategies are working amazingly well
@aprilaustin4103Search for Victoria K Walter
On Facebook
I don’t understand how people are loaning that much when the federal government is limiting student loans for dependents to 57,500. The only way now to loan more is plus loans, which are now your parents responsibility. I attend a state school and I will be leaving with 40,000 in debt for a bachelors in accounting. If you major in history, you get what you ask for, absolutely nothing. Also, scholarships and pell grants exist ;).
A health science major (like most science majors) are what I call “bridge degrees”. They’re basically there for you to use in order to get to either medical school, PA school, grad school (not ideal with that type of debt), etc.
one thing ive learned from dave ramsey is to not aquire student loans lol
I'm guessing he used student loans for more than books and tuition. Also, one needs to look at the market before picking a major. In the 90's my baby sister got a pharmacy degree, pharmacists were in demand, and an excellent career. Since then, many schools cranked out pharmacy mills, increased the requirements (need a masters now) and pharmacy over the internet along with Walmart pharmacy has made a good career so so. Do your homework in advance, don't chase your passion if your passion doesn't pay the bills.
I appreciate that Dave didn't tell him how stupid he was, as that wasn't needed here.
Any hot career path turns out like that. Demand for the degree increases as people look at high wages, then schools start pumping out graduates to meet the market demand for the positions, and then you're looking at a diluted market. Companies find more efficient solutions to serve customers, often cutting out jobs. It's common and a lot of industries have been impacted.
I decided to just get back to being a truck driver because of issues like that. (I have a degree in Finance and have worked in the field.) Trucking always has a spectre of that next big issue in the market, which never turns into a problem.
First, 53' trailers were going to ruin the business by cutting the need for drivers, and that didn't work. Then double and triple trailers, that didn't work. Then rail based intermodal was the killer, and it didn't work. The attrition in the market has actually caused an increase in demand despite all of the labor saving shifts. They're treatening automation, but that's at best 15-20 years out for practical use and jobs like mine are not compatible with that tech because I interface with people and dock in strange places and congested areas.
You have to always choose a career that's difficult to replace humans in.
good points Sean. My career has been in process control. Not that my job couldn't be off-shored for cheaper talent, but because of industrial accidents, regulations have kept a US workforce in place. In the past, I've welded, and that was always my backup plan. In fact when I retire, I hope to do welding on the side for a few extra $$$ along with the fact that I enjoy it.
Optometry is in the same boat now as well. Way to many Optometrists graduating every year and now it has the worst debt/income ratio to repay student loans.
I mean there are times when your partner starts to be irresponsible with money then a separate account for that person is logical. What if the person you are married to becomes a gambler? It would be a risk to put all incomes into one account.
*I'm an Uber driver*
As a driver myself, he is not making 30k. Not even in a great market.
He may be GROSSING 40k+ a year if he's working 12 hours a day, 5-6 days a week in a busy location... Problem is... Gas, tires, wear and tear on car, mechanical cost of car, health insurance, other benefits that a job would provide... Ect. He's taking home way, way less than he would with an actual full time job paying the same wage.
Devil'sAdvocate, the caller was to stupid to figure out that borrowing a large amount of money for a worthless degree was a bad idea so how would you expect him to figure out that driving for Uber/Lyft mzy not be the best plan.
It’s called 1099 and rights offs right offs . I would right off your entire car if I was a Uber driver
Not even pennies on the dollar. After taxes and car use expenses about 5 cents per mile.
Depends on where you live
I really feel for people with debt and kids. Before coronavirus I did Uber on the side around 40 hours a month and it is tough.
college is the biggest waste of time and money..
30 k entry level, however after about 3-4 years salary starts to increase. He's 29 and could've already been making at least 55k by then. I'm going into this major, Health Administration to be exact, however I WILL NOT be spending 100k. Community first then transfer to my nearest University, CSUN, and living at home. I'm willing to sacrifice my time for a few years to gain experience and increase my salary then. It's a field I'm confident I'll be content with and something I could do as a long term job. RESEARCH WHAT YOU MAJOR IN.
Tips??..put her to work and stop spending money!!
Have some compassion people. Some many judgemental comments.
Having a kid when you can't afford one is 100% avoidable. Birth control is much cheaper than diapers.
Birth control doesn't always work.
I agree we all make mistakes. I actually can feel his pain. I am a single woman making 29k and in debt 30k. We all do dumb things. However, its are wiliness to change and learn from these mistakes that counts. He is trying to fix his mistakes
He's definitely not making 43k a year driving for Uber. Maybe half that. And his wife not working, no wonder he can't pay his bills. Stupid decision to have a kid too.
Well ur fool, give the poor guy a break
I love how encouraging Dave was here as a coach! So helpful!
Dude paid 90K for a "Health Science" degree. Let that sink in.
he should’ve just studied nursing to become an RN or LVN
Pretty much any time I see more than 2x income in debt is cringe. Any debt is not good but over that is when it becomes a real choking issue.
i got a student loan of 10,000 and i hate my self. but 100,000? and cant get a job? just shoot me!!
100grand to qualify for an HR job? Sheesh
Nameless Entity Right?! Why do people do this? 😓
To be fair, HR is a very technical field, there is just so much to learn and know.
Sinbreaker HR is complex. However, I was able to obtain an HR diploma AND a nursing degree for $45K. That’s a total of 7 years of school.
100K for just HR is ridiculous.
and many schools offer HR degrees. Sounds like he wasn't sure what he actually wanted to do and picked the first thing he could find.
He major in Health science, that is not HR. My University offer HRM= Human Resources Management major and HR do more than just hiring and firing. HR protect company from lawsuits that can cost them hundred of thousand to million of dollars and we also protect employees. HR job require great critical thinking and know which laws apply to the company depends on how many full time or part time employees the company have. HR also require to know statistic.
Dang, I make that much a year and my loans are way less then his, and I am single no wife and kids. That is still not enough, I can imagine how bad his struggle is
It’s interesting how many of these ppl call in with debt and income issues and more often than not, one of the spouses/partners is not even working
Thank you Dave I was able to pay off all of my credit cards saved up some emergency money!! And now use my own money to buy the things I really really need! Most importantly I don’t purchase nothing if don’t have my own money in hand 🖐 finally took control over my financial needs and want!! I wish I came across your video on RUclips before 3 months ago!! Thank you Dave!! God bless you more
Dave has sooooooooo much patience with these people
The amount of debt in general in the U.S. is madness!! Huge numbers for "regular" people 😲 Everyone seems so blasé about it....it makes me feel better about having 4k!
I got the same degree from a community college deff didnt cost me 90k lol what a CHUMP and my salary is 45k with zero debt
He probably bought a lot more than a community college education, and didn't really try to get jobs in his field. Congrats on being smart!
WTH. This guy has just been making mistake after mistake
Wow I make 6 thousand less than him and all I have for post high school education is a trades program that cost me about 5 grand. I feel bad for all this people that listened to the college is needed to make good money. Hope he finds his path to financial freedom.
Dave sounds super suped today.
He sounds completely hapless - not sure I blame the education in this case, except possibly for encouraging people without adequate backbone to borrow money. He's had a few chats about how his wife might find a job? Complete flakes.
Go get an IT certification in a specialized field. Most places you only need a bachelor's and knowledge. Cloud computing certification, IT security whatever.
I live in phila. And much over 100k no college degree🚉. Thank god for trains.
14yr car 200k mi
And still have a iphone 4s.
Its possible.
what your job?
Nice dude i can't stand people that buy a brand new phone every year and then complain about being broke
Great for you! It's amazing how many people aren't willing to drive an old car that still works just fine.
@@wiiiz3 I'm guessing train conductor ir engineer
Shout out to the iPhone 4s. It’s all the same seen phone anyway
Do people not THINK and RESEARCH what job they could get after their college degree?! I got an A.S. technical degree with $15k student loan and making $50k right out of college. THINK PEOPLE!
Would anyone else like to go to the City or State where it's easy for everyone to get 100K a year as Dave makes it seem?
If you put your mind to it you can make 6 figures. You can do luxury car sales at entry level make 6 figures
@@hands3013 We both can name a hundred or more jobs or revenue streams that people can make 100K a year at, to my point very few will be as easy as Dave makes it seem. My Union contract has us at 35$ per hour or 72,800$ per year excluding overtime, if I deliver pizzas on the side and make 1500$ per month as Dave often suggests that still would leave me about 10,000$ shy.
I really hope this guy made it, I feel very sorry for him.
This made me feel that my situation is not the worst....
College isn’t everything, get skilled ! Earn more, hustle find things that gain money.