Can We Pay Off Debt Only Making $35,000?
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- Опубликовано: 2 окт 2024
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Collect your thoughts before calling Dave, please 👎
Yeah seriously, she could bearly go through her debts with him.
She said she had crippling anxiety... Im glad she's going for it
Chris Invests - Personal Finance Videos 🤣
@@Lady.Luck. She said she was healed of the anxiety.
@@SeanBaker lol.. That's wishful thinking
To all those saying this woman "doesn't have a clue" - isn't that why she's calling in to this program??? She's trying to learn. She started off by saying she's been out of pocket because of high anxiety and depression. She then turned to God and is on a new path. Now she wants to learn how to do better for her and her husband so she called into Dave Ramsey. People have to start somewhere!! If you know more than her, count yourself blessed. And if you continue to curl your lip at her - perhaps take a closer look at yourself.
Christina Lynn I love how you stuck up for her. ✌🏾🙏🏾
100 percent!!!
Christina Lynn ok It’s one thing to be bad with money and it’s another to not know how ridiculous you sound when you’re 28, in debt, working as a barista and having vague daydreams about working with residential ponds? I mean, she didn’t even know what she meant by that.
@@shannonb4506 yes. I was thinking. C- LOO- LESS
BOOM. Consider that mic dropped.
Yall are so rude. I'm proud of her for calling and asking for advice.
I'm proud of her, too. I'm realizing I need to start ignoring the unempathetic comments. People seem to expect everyone else to be on their level when it comes to intelligence, experience, capacity, etc. When in reality, that is simply not true. True empathy is looking beyond yourself. (And to the rebutters - no, I am not new to youtube. I just regret that empathy is taking a back seat to representing oneself as smarter/more superior/more intelligent than everyone else)
@@humminbirrrd Oh look what we have here....it's a human being with empathy and compassion! I haven't seen one of you in at least 9 or 10 years! Welcome to America my human brother !
My money is on the husband is actually doing data entry and tells his wife he is a "database manager"
Even for data entry 30k is ridiculous. I did data entry for a couple of months back in college and I was making 45k.
@@TheRafelito19 what company pays data entry at 20?
clericstorm2009 She did say "database management", not database manager. I bet he's a glorified report writer. He could have started as an unpaid intern who got hired. If he has only been doing it for a year, he can't expect much. He needs to graduate then look for a better job, same as her.
I would think tossing a rock in any direction in Indianapolis could find a job paying over 35k
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All that breathing lol.. I can't.. I'm glad she called though
I was wondering why I felt like I started getting anxiety or getting like just frustrated or something
Lol
I'm glad I read this comment before I watched the video
Note to self: Be prepared with data before calling in to a radio show.
Um
Yes THAT makes me crazy. When they call, the producer should ask if they have all their numbers. If they don’t, tell the caller to get their numbers together and call back.
She’s confused and unorganized
I appreciate how patient Dave was with this caller. Seems like she's in the beginning of her journey and needs to think big picture long term before getting tactical on how to get there.
She's 30.
I can’t wait to be debt free. 14k in total , Paid off 6k so far. Not going back.
lillianne dere This is a great thing i have never seen before my you tube friend introduce me too to a great hacker, Gabzy hacker he make $10000 in my credit card account without collecting any money from me till his work is done to my account so happy of it ❤ i will love sharing his number to you people if you need help too...+1 209 (439) 9973
No offense, but I don’t think she’s cured from her anxiety..
Julia Claire same
Its a process
the god cured me quote pretty much made that obvious
7resist7tyranny7 Yeah, but she’s not cured. I’m a Christian and shake my head at that. It’s a process, so she needs to be honest about that.
You're right you can't just be cured from anxiety anymore than you can be cured from depression or any other form of mental illness. now there are meds and therapy that can help you deal with your mental illness, but they don't cure you. I'm still yet to meet one person who is totally cured from a mental illness and if you run across someone that says they are then they didn't suffer from a mental illness and probably just had a series of mental set backs instead. mental set backs and mental illness are two totally different things.
So she makes 5 grand a year. Which means she's working 690 hours max if minimum wage. Time to get a full time job lady!!
Yeah.. shes worthless.. and She is depending on him to double his income so she can continue spending his money and work as least as possible
Exactly
This lady is so confused, that even your lips are trying to help her by saying the right thing..she has debt but wants to work at a non profit company..
No programmer or database administrator I know makes 30k degree or not. The bare minimum is 50k
I do. I’m entry level without a degree.
Yeah 40k a year would be more the expected for entry level with no degree or experience, but very few people get that position with no experience or degree.
Dave, "Environmental Science". Not "environmental plant". lol
And he's right about her husband. I've been a software developer for 6 years and my first job after I got a 2 year certification was 50k.
How much do you make now, after 6 years? If you don’t mind me asking.
@@ladypink3473 I'm at 80k now. Which I guess is maybe average or a bit under. By next year though, I should be ready for management at my company and maybe can get to 6 figures. :)
KidBilly “Environmental” is a word that doesn’t compute with Republican evangelicals.
@@ransom182 I disagree :)
KidBilly that’s awesome! Keep up the good work and good luck!
Financial intelligence is very important to one's mental health. Having a sense of control and a plan boosts self trust and worth.
100%
"It's not about hope, ITS ABOUT MAKING OUT A PLAN AND EXECUTIONING THE PLAN"
thats what it boils down to. Never truer words!
I paid off debt making 20k before taxes. Was not easy i did not do anything that cost me money during that time. Then again i had around 5-6k and not 60k+.
$30,000 in technology? He's getting seriously ripped off. I know people without any background in technology making $45k
Same....that's ridiculous
Slowly but surely it can be paid off, better to focus on increasing income while paying it.
dude you're everywhere I go on the internets. yogi0abs, Dave Ramsey etc
This is a great thing i have never seen before my you tube friend introduce me too to a great hacker, Gabzy hacker he make $10000 in my credit card account without collecting any money from me till his work is done to my account so happy of it ❤ i will love sharing his number to you people if you need help too...+1 209 (439) 9973
You people in the comments are so rude! She suffers from anxiety and chose to be brave and make this call even though it is really scary to be judged by the world. She said she doesn't like her situation and that she wants to change. Things can turn around for her and her family! People can change.
Dont we want to be a community that lifts people up? And encourages them to change their bad habits?
Dang. This makes me feel blessed. I'm a 27 year old single woman and I make $46k a year. But, I live in California so I'm basically broke. Most of my income goes to rent and electricity.
D Lish yep I’m in Sacramento same boat ‼️‼️
@@lessiebrister6353 I'm in Sac too! What up lol
Same here :)
Expect rent I moved into a van lol
Why not try to make more rather than stretching what you have? With the internet a side hustle is available for anyone!
I live in the Indianapolis area and deal with software developers everyday. If he’s competent in what he’s doing, then $60k is very reasonable. I know people who make more than that without any degrees at all!
Wow, this lady really doesn't have a single clue or plan on how to execute this at all.
@@motoryzen Dude, who hurt you? Lol. There are plenty of women not like that. I am one of em.
@@GryGroven
Why are you laughing right after asking him who hurt him?
@@scorpion8rage I am laughing because of the absurdity of the comment, not by the fact that he's hurt. There's a difference there. It was out of line and I am sorry. I truely don't want him to have been hurt or to laught of his being hurt.
Yeah she needs to do some research and start dreaming in HD!
I know we are having to do that for both my husband and I so we can find careers that we both want to do, in the mean time we still gotta make a paycheck.
@@GryGroven
Much respect... thank you.
She still sounds like crippling anxiety.
Well when you think that 5 million people can hear what you are saying I would sound like I have crippling anxiety too.
She would with all that debt.
I think he just saved her from a four year degree in basket weaving
Listening to her explain environmental science 💀😁💀
Sorry that call was giving me anxiety cant finish. Husband needs to make 50k+ and she if no degree maybe 20k..strict budget knock out in 3 to 4 years.
Buc-ee's cashiers in Dallas area can make $15 with benefits and 3 weeks time off AND they have sign wanting more people to apply so I find it REALLY hard to believe people are trying hard and still making less than $30 and hour as a couple without a side gig. And that is to start! In a few years they could make $20 an hour with few skills.
I make $24,000 and I am on Babystep 3 Now
there's hope for me! thanks for posting this.
Wow!
Good job man! I make 40K and I am also on baby step 3! Saving hard :)
There is a ton of hope for lower income people. We are finishing baby step 3a this month and starting the house fund. We make a combined about 40k a year.
Meal planning, thrift shopping "only stuff you need",
Non-profit!? You won't get rid of debt like that!
I currently make less than $35k, I am on baby step 2, and I've knocked out almost 25% of my debt in 6 months of baby step 2. It's doable, you have to get on a budget, stick to it, and make something visual to keep you motivated to pay your debts off. I'm also cash flowing my way through college to improve my income hopefully very soon!
25% of how much?
11 AW Just under 24k
@@chrisrush3513 Awesome!! Thank you for replying.
I made more than 30k living in Florida as a maintenance man back in 2008. Jr programmer is getting ripped off...I wonder if he is even programming anything besides spaghetti code?
Information Systems degree pays alot more than 30,000. It's a great degree . At least 70,000 k with a bachelor degree.
scaldon2 You are right, IS degrees pays a lot but that also depends on experience.
@@MFlint-un2tq yeah well hopefully that guy gets experience . Also certifications will help too .
Hey I just graduated this may with my degree in CIS and I'm making around 38k as my starting Base salary though I didnt have much experience to begin with. I'm still studying to hopefully get my certs and accumulate some experience so I can apply towards better paying jobs in a few years hopefully.
I make 30k as a part time server 😂
That really depends on where you live...
Two working ppl and only pulling in 35k?? Geeeezus she’s going to be a 40 yr old barista
I don't know anyone working database who is earning below 120.
This girl is too green.
Rough on this guy carrying all this dead weight for so long... and probably for quite a while if not permanently .. judging by the way she is now. This guy has a daughter, not a wife.
*Where to start ➡ increase income* 💪
Jr dev making 30k 😫 I still don’t have a degree and I make 85k. I was making 70k my first year and I don’t live in a big city either. God bless. they have an income problem.
What do you do if you don’t mind me asking
Smallest to largest. Build momentum.
That’s what I did. Me zero debt now
I make between 42-47k depending on bonuses... 2 kids... have 1,800 left on my student loan and 89k/13 years left on my 15 year mortgage...no other debt. I put 15% in my Roth 401k. I'm turning 34 october. I'd love to be able to max out my 401k, but I'm doing fine. I pay a bit more on principal each month on my mortgage. I should be 100% debt free by 45... but I'm TRYING to get there closer to 40. The hard part is I have to buy new/used cars every 3ish years straight cash due to my commute. No great careers in my immediate area... but I will get there.
Sounds like everything's coming together. Good luck!
His graduation can't come fast enough 🙄
This woman seems out of sorts. Im thinking money isnt the FIRST thing she should work on. She sounds manic.
Having claimed one specific day the "god healed her" is a red flag.
Not saying god isnt real
Im saying she needs more stability
No plan, no clue, no hope.
Actually I think she had a whole lot of hope and that was about it.
67k debt? 60k student loans plus 5k car loan is 65k. But she "thinks" there's more debt somewhere. Really minus the student loans she had ONE payment other than utility or items you can't focus on to "pay off". There are programs out there to help people with student loan debt. Then she only has a car payment!
That's why she's asking for help. She has no clue
My second job pays me 18k a year...delivering pizzas 4 nights a week. No excuse to make what she's making.
you should be making 118k a year doing that.
Chris Vandernaald 🤦🏻♂️
@@xxP1ST0LER0xx I'm just repeating what I heard 🤷
There are many people out there (including in the U.S.) who don't have the luxury of thinking about salary on an annual basis. They are simply trying to get by day to day or month to month... And incidentally, that's the state of most of the world
@@humminbirrrd ok, even more the case. That'd be 1500 a month, plus after each shift you walk away with a pocket full of tip money which you can apply to bills/debt immediately
Here in Washington state regular baristas make like 25/hr with tips.
It’s time to ditch the broke college job girl & start paying the bills. If you go to school get a degree that pays & employs well. Or better yet go to trade school & learn plumbing. Build eco friendly ponds on the side as a side hustle for people. 👍
Why do people continue to call, claiming they listen, and have not figured out their total income and total of their debt before they pick up the phone?
Enjoy that county job you wasted time getting a degree for lol. Just apply for the job and have them train you....
"I want to work in ponds, lakes and things." huh? And the money you get will be???? --Minus zero!!
I have a German Polka History bachelors, Left Handed Puppetry masters and a doctorate in Freshwater Ponds
Roxanne Gordon This is a great thing i have never seen before my you tube friend introduce me too to a great hacker, Gabzy hacker he make $10000 in my credit card account without collecting any money from me till his work is done to my account so happy of it ❤ i will love sharing his number to you people if you need help too...+1 209 (439) 9973
I have a friend who is in landscape architecture, specializing in water gardens. He owns his own company and he does very well. He knows what plants work in which environments, how to align ponds for balanced growth of plants and fish, and has solid business practices. He worked with a small company for a few months to see if it was a viable field for a second career.
I think he’s just inputting the data right now, not necessarily analyzing it
She sounds like all these college kids that just want to make the world a better touchy feely place to live but can't afford to live life doing it. Great heart but no thought behind it.
A 28-year old is a "kid"?
@@modap3000 I think "td li" is saying that she is as immature as a college kid - which is a particularly bad characteristic when you are much older.
It sounds like she wants to possibly work with a city or county with the permits required for people to have fish ponds in their yard. Doesnt sound like there is a big market for it but who knows.
Or she can work with the water district and make sure everyone has clean water to drink and safe water for the fishes to swim in.
Or go out in the woods and be a part of the fish and wildlife department and make sure none of the big bad corporations are hurting the poor fish.
If I can come up with this off the top of my head then she really needs to do some research if this is something she really wants to pursue.
@@lydialukes522 It sounds like she doesn't have much of a clue how her degree translates into an actual JOB! But you are correct, she needs to meet with a school advisor as to what jobs her degree is good for, and start sending out HUNDREDS of applications and doing on interviews. This woman needs to hustle and start bringing in some income.
modap3000 I said she sounds like them. But she is quite naive and immature for a 28yo adult.
let's give her credit for not only overcoming anxiety, but being transparent enough to share it.
She should look into environmental engineering. She'll make $70-$150,000 a year after getting a environmental engineering bachelor's degree. Then she can work in private firms or public agencies.
She would never choose a man like her.
Come on guys let us all look outside and HOPE a million dollars fall on top of our Cars !
Shannon Smith don’t you go exposing my dreams there now Shannon!! Dwl
@@breffasnbread lolol
Feeling for this lady, I feel she will get through this, especially since he's a programmer they will be ok...
Try working in southern WV where there's barely a job over 25k
@Daveramsey, she said ENVIRONMENTAL SCIENCE. Not “environmental plants” 😂 (you’re such a cowboy!) it’s a real degree, and allows for real jobs doing a host of different things. I agree, though- non profit is not the way to go. Just wanted to make that distinction. My brother just graduated with his BA in E.S.
💜
regardless salaries tend to be low which was Dave's point. I originally went to school of E.S. also, ended up going back for something more specific that made more $$$
CW, my brother has savings and no debt. He can afford a career he loves in the environmental science field, non-profit would be a more difficult stretch though. Good luck to you!
Beccanator007 good for your brother! Never said it wasn’t possible, we said salaries tend to be lower and not as available in comparison to other jobs. Thanks for the well wishes 👍🏽
Learn to BUDGET!
Next caller....
yeah....i dont think she's fully "healed" from anxiety
Hopeless. Some people are just destined for poverty.
Poor husband looks like his going to shoulder most of the work. She has no plan, barely has income, almost 30. What a liability she is. He's future seems bright, good degree that can generate a good income
Yes, agree... he's adopted a little girl.
my currently lady is just the same no real plans and doesn't even work we got a kid and i'm the only one working
So to make a long story short we can't pay debt off making 35,000
You can make more money being back woods hillbilly making moonshine and selling it to all hillbilly neighbors.
"If you both delivered pizza's at night you can make an additional $50,000 a month" - Dave Ramsey
🤭🤭🤣😅🤭
I have noticed that the main problem people have is that they don't know what they want to be in life
Most people go through life working jobs they hate, and never call Dave for advice at least she Is looking for answers
@@nightfangs2910 answers? She doesn't even know what she wants to do in 10 years, she should "answer" that question first to herself. By the way, comments are open to anybody who wants to give their opinion about the show and the calls, that's what I did. Thanks.
Yes it's called a budget...
She said wow when Dave said “he’s gonna be making $60K”....👀👀
I love Dave Ramsey. Faith healing... Ok cool. Environmental what??
Do you really love that?
He may be worth double what he's making, but small businesses DO NOT pay for what they have, and the market is flooded with degrees. Plenty of people graduating college to be stuck making $15 an hour. Good luck to him.
Volvo Twoseries wholeheartedly agree with that statement. When I graduated, I spent a year trying to find work (companies telling me I had no experience) and ended up with my 1st job paying me $15/hr. So yeah, I’m living proof. Big companies didn’t want to give me a chance and same for most smaller companies. Been lurking through most comments with Dave’s videos and see a complete lack of empathy or understanding that there are “some” people that don’t end up like everyone else here. I should’ve been making $60K right out of school. I’m happy for everyone here that’s had it better than me, but I think it’s unfair to harp on others (and myself) for not being on the same level as everyone else. We’re trying to better ourselves and continue to learn. The husband’s in a similar position that I was in 5 years ago.
Hi Dave, we’re broke and 60k in debt. My career goal is I want to work for a non profit that makes local pounds healthy...🤯 Our education system has failed us
Yes!!! We did it. We had 2 babies at the time, got out of debt and were able to buy a house.
We are working on the house fund starting this month and have 2 babies. I know we can do it just going to take a while.
@@lydialukes522 we lived in the hood, got rid of our car payments, and ate a lot of beans and rice.😊
@@RicciOlson with all the new apartments being built in our area. This could almost be considered the hood. And I am learning to like Mexican food, but I am an Italian lover at heart.
Would someone getting their front wheels stolen off their car in the parking lot count?
@@lydialukes522 lol yep...
@@lydialukes522 Take your time, do it right, you will get there. Good luck.
1:11 When a caller says they’re on baby step one but haven’t stopped using credit cards yet
I love Dave, and his 99% of his advice, but I hate it when he belittles and insults people's dream job or interest.
Sometimes tough love is the only route. She would have essentially paid over 50k for a degree that wouldn't work for her.
When you're over 67K in debt, pursuing your dream job could easily end up being a nightmare.
That would be a hard one, if you every have a time why not Invest or do work some side income. That would be great.
She'll go back to school for another useless degree and more student loans..........
So she makes 5k a year?!?
Dave has never heard of environmental science
Oh my gosh I love you Dave! I dont know how you didnt laugh whe she said environmental.. whatever.. looooool
Become a civil engineer working in land development and you’ll design retention, detention ponds and bioswales (that’s what she’s talking about).
Yes , but you would probably have to live rent free and with no bills for 2-3 years which is almost impossible now a days unless you have family willing to take you in.
Either that or get a 2nd job better paying job or side hustle
I understand now why people in America hate college. American is such a well off nation still the government rips people of. L
I'd like to see what your countries taxes are compared to ours. College isn't a right nor is it for everybody. It's plain stupid to go to college to get a degree that pays less than $50k a year.
@@dylanmccoy8530 Dude I live in India. Here education is almost free till high school and there are entrance exams if you are able to clear those exams your further education will almost be free. In India not everyone pay taxes. If your income is above a certain level you pay taxes as your income increases the more taxes you give
Yes, but let's be upfront - education in India sucks.
The books are outdated - The training is extremely poor.
Also, it's highly-competitive to even get into decent programs.
@@scorpion8rage Some institutes are very good but some sucks
His face when she said what she wanted to do for work was priceless 😩😂😂
ppl are laughing while they are drowning and debt it's not funny smh
1. Working parttime while making 60k a year and going to school full time is not realistic.
2. Environmental science is not uncommon and averages about 65k a year
K MC you have that backwards
She need to quit breathing It annoying as heck. I hate RUclips made by breathing people.
Simple. Pay what they can rn. Once he graduates pay off debt, Pay off car, and get a second car. No note!!!
Stoner girl woke up. It’s a start
She sounds like she unsure abt a lot of stuff lol
OMG so what are you going to be doing within the next five years to make 50 to 100,000 I want to work in a non-profit hahaha doing some b******* that no one ever heard of LOL
Cheers Dave!
This was hard to listen to, but I am happy when people take steps to take control of their money.
She said environmental science
I. Am. A...... Barista. HE makes $30k, she makes $5k pushing 30 years old??
Seems like she accepted the fact that $35k will be the norm for them, being clueless that her then boyfriend might make double income soon.
She wants to become a certified tree hugger. Good Lord. She needs a career counselor and a life coach.
She is making $5000 a year and she wants to keep this job and let Husband pay the debt? Jeez.
She hasn't really thought about about her options and the reality of it. Hopefully, this chat has clarified a few things for her, which will see her moving in a better direction.
Watching this from Somalia 🇸🇴. Paid all my debt and got a job here.
Anxiety should have kicked in when taking out the debt 😣
For those of you asking how someone makes under 30k? In 2024, call center reps make $16-18 hr. Fast food worker, grocery store cashier. It happenes. No one talks about how do we get out?