We Have A Parenting Crisis - Dave Ramsey Rant
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- Опубліковано 16 кві 2017
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Unbelievable enough, my sister's "guidance counselor" advised her that she can take out loans to supplement for room & board to go away for the "college experience", bc it's normal to have college debt and it can't be avoided! Thankfully my sister has some sense and decided to stay local and not go into debt.
Patricia Cruz
scoundrels, the whole lot of em.
"drain the swamp!" 😉
At 26, I wish I heard this at 18 years old before I went to college. If I had the 8 years to repeat again I would have gotten a technical degree at community college or joined the military got my degree debt free, but you live and you learn.
Bad parenting is at an all time high.
Imagine the next generation and the one after that. We need revival from Heaven.
Dave! Guess what! Thanks to your motivation and great program I paid off $12,000 of student debt in one year, completely eliminating one student loan! I still have another for about $30,000 but I'm so excited I've finally eliminated one!!!
Airport Cinderella Congratulations! Love that motivation!
Thanks! It feels great! Anything is possible!
Eddie Stinson I'm a flight attendant.
Way to go Airport Cinderella! Please know while it will take some time, if you remain motivated you'll be out of debt before you know it! I'm about to pay off my final student loan in 2 month after just 2 1/2 years of beginning Dave's plan!
I first read this and thought it was going to be a spam message. Congrats on your progress. Keep it up! It's so worth it.
I first heard Dave ranting like this in about 2004. He just does not care if anybody's offended, lol he's been like this the whole time.
Being "educated" and being "smart" are soooo different!
The other day in one of his rants, he said "Don't do stupid stuff people. It makes you look Stupid. "
Honestly. Dave is brutally honest. He's not trying to be politically correct he's just got plain old common sense. I really appreciate these shows. I actually believe that he's advice, which in truth I've heard before is life changing. God bless you Mr Ramsey.
His honesty is my favorite part about his advice. It’s great to see he doesn’t sugarcoat everything
@@packetmuncher2404 I like sugar being coated on stuff though. It makes it tastier. 😔
Agreed. He is honest.
Thank you for saying that! My financial advisor at my college “advised” me to get $100k+ loans and extra so that I could live off loans. Arg. I went to them for guidance! A day before I turned 31, I paid off my final loan. I’M DEBT FREE!!!!
I watch at least a hour of this every night now 😂😂
I'm a millennial and I am laughing at how triggered this would make a lot of people that I know who went into as much debt as needed to get their shiny piece of paper. 😂
John Gray
yep. I know lots of people $50,000 in debt who can't get a job. I have a friend $250,000 in debt to be a dentist. His parents put up their house for his education. It will take him 20 years to pay that back.
Dave didn't say one lie! Very valid points......
My niece just graduated from High School. She wants to go to a private school on loans to get an art degree so she can be an art teacher... I told her it was a terrible idea and got nothing but nasty looks the rest of the time I was there... LOL
yeahdude1986
well she will have a more nasty look on her face when paying the debt back. like. worthless degree
yeahdude1986 HAHA she’s an idiot.
When I worked in HR I typically advised applicants to not go into debt to get an education. The smart thing to do is to get certifications then get a good job that would allow you to get your degree for free.
be a plumber. or an electrician. gas fitter. carpenter. air conditioning technician.
This, right here. My son went to Vocational Technical School (also known as a career center) for Carpentry and Building Construction (think General Contractor) through high school (we homeschooled the academics). Once he finishes his apprenticeship and has a couple of years under his belt, he'll make somewhere around $30 an hour and eventually be able to own his own business (and never run out of work). All without a single penny spent on education (besides homeschool materials).
trbobitch06: That's the norm for MALES. What about you? Did you go to a 'trade' school?
Roxanne Gordon Females can do any of the above suggestions made. They just have to apply themselves. Very doable 💁🏽♀️
@@roxannegordon6162 female are going into those trades, and i see that as a good thing.
Went to a tech school, spent $6,000 for one year learning how to weld. My first year as a welder made $50,000
Parents! HAVE YOUR CHILDREN LOOK INTO TRADE SCHOOLS! That is where you can make good $ without going into debt that will take you 15-20 years to pay back. My uncle is a crane operator. Makes 70k a year. Cost him $15k to learn and then spent a few months after work showing his bosses he can operate a crane well. 15k to make 70k a year. Don't look over trade schools. I spent 4k to become a heavy equipment operator was making 40k a year starting and then got up to 50k. TRADE SCHOOLS!!!!!
Isaac Spencer Mike Rowe and Dave should do a special together!
I love how community college has such a horrible stigma!!! TV shows put it in the peoples heads and I remember this as a child thinking the same thing that if I didn’t get to go to Yale, Harvard, Dartmouth, Pepperdine that I was stupid and worthless...
Currently a junior at Marshall University studying Civil Engineering! Civil Engineers are so desired I already have a guarantee'd job after I graduate because of my Summer Internship!
Guidance counselors are the worst. Just wish I had some decent ones who actually did their job when I was in school
Sebastian Gomez my guidance counselor told me I need to go to art college when I told them I was going to become an electrician they lost it hahahah ,took my uncles advice.
Guidance counsellors basically give you a list of careers/degree majors they found online and say "pick something".
I have a sister-in-law who has a degree in French fairytales or some nonsense like that and wonders why she can’t get a job!
i dont like any type of debt period. i told my daughter that her degree will be in something thats in demand.
Is she in school now? If she wants to be a teacher, she should study elementary mathematics. Math teachers can pick and choose where they work - history and English teachers have to go wherever they can find an opening. I have no idea if that's what she wants to do - just offering that tidbit.
Neckia Daniels my friends a math teacher and could only get hired in the inner city school. So...no.
Mikey Utah You are correct, there was a time when she was correct and becoming a math teacher opened doors, that was some time ago. We do need to look at were our jobs are going and who is getting hired.
Neckia Daniels She can get an associates degree in the sciences or for certified surgical tech and radiology tech and the jobs will pay at least around $16-$20 to start(I'm a CST). If she's not into the college thing, may I suggest working for the Union? No college needed unless you're an instructor, and then only an associates is necessary(which they pay for), tons of different jobs to choose from(my husband's a carpenter's apprentice, soon to be journeyman), paid apprenticeship with steady, continuous pay increases to journeyman status(Kansas has the best rate of pay for cost of living, but most work is done in Missouri, i.e. plenty of driving), many fields that accommodate women well, plus she can retire early in 20 to 30 years and have a $4000-$6000(depending on job choice and time in) a month pension and travel/volunteer or begin school/another career at 38 or 48 financially set! Last suggestion is joining the military(I'm a Navy veteran), go to school while she serves, travel and experience the world, and once she exits, the GI Bill, VA home loan and a slew of services will be at her disposal. Sorry for such a long comment, but hopefully your daughter will find something that fits her, provides for her well and keeps the both of you free from debt. Good luck!
nrsimmons178 I work for railroad and make 80k + a year. 0$ student dept only did associate degree at comm collage.
My mom actually talked me out of joining the military and staying in school when I was clearly confused about what I wanted to do. Now I have student loans for a degree I hate.
Thank you!
Thank you Dave.
Me and my fiance went to technical school graduated debt free. Now 25 and homeowner. A trade is more valuable in my opinion.
Dave "sorry sweety", "buckle up buttercup" lol love it 😆
Wow I 100% agree. My two sons went to community colleges and my husband and I paid for it. My one son has a job for what he went to school for and enjoying his job and my other son graduates this spring and ready to work in the field of his degree and NO student debt. We were very fortunate that our kids did not have to go to a "status" college. Those poor kids will have so much debt. Just a hard start to those kids future.
We’ve educated a generation beyond their intelligence level.
Again with the German Polka History Bashing!!!!!!!!
He just didn't want to use gender studies, women's studies, grievance studies, and the like as his examples to avoid truly hurting those who took those useless degrees.
They can get jobs at that German Polka History factory. They're hiring!
That was a good one Dave
I didn't need someone to tell me that. I told that to myself all on my own.
Can anyone recommend a good Master's degree program in German Polka History? Surely, I don't need to go all the way to Germany. Maybe something online?
I agree with Dave on this one.
Well I think the problem is people don’t want to be judged so they raise there kids the same as there friends
Lol, we definitely have a student loan problem. But I think the GREATER problem is that we have young people being pushed into steep debt for a career that they probably won't even end up liking. My student debt is asinine, and I kick myself in the butt for picking such a dumb degree. Wish somebody would have opened my eyes to this reality, but I think it's silly to say that the loans aren't problematic. Though now, I only blame myself for my decisions.
lambchop being a parent, with a 21 year old who has gone to university to do a lesser qualification because she thinks she needs to go to university to look good to her family and peers and she will end up with massive debts; do you think if your family had warned you of the issue you now face would you have "heard" what they were saying? Or are young adults too emotional to be able to look at themselves logically? Especially with the pressures of social media in 2018.
@@paulnjulia I didn't go to university to look good for anyone, I did it because at the time, I enjoyed the idea of doing a maths based degree. I'm only 23, so attaining this degree could be beneficial in the long term, but I suppose I'll wait and see later on whether this is a decision I'll regret.
dave your so right that its scary
Anyone in college should look at CLEP/DSST tests to test out of classes that don't pertain to their major. Costs $60 vs a couple thousand to take the class. Save time and money.
My mother is an obsessively pro-college guidance counselor ... I was in a double bind 😬
YES!!
It costs waaaaay to much to go to college these days just for the “college experience”. It’s a racket and a trap, unless you are going to school in a field where you will make a decent income.
You just said what I have been saying for years! Thank you. Maybe some of these “educated” graduates of non degrees can be guidance counselors. At least they know what not to do.
it's like the old American idol parents and friends don't want to tell that kid they cannot sing because they don't want that confrontation or don't want to say their friend/kid can't do what others can. just have to be of a strong character out of love and say what you know they need to hear to not get hurt in the long run
I don’t think I spoke to my guidance counselor a single time during my 4 years of high school
I agree
we had a ebay degree in the uk a few years ago
Discipline and laser focus will beat a degree all day long.
I feel a rant coming 😂
Is there a link to the call that generated this rant?
German poker history lol. Can't get enough.
Grit can be crippled by student loan debt, even when the degree is considered or in actuality valuable. Mike Rowe trade work is better than college.
I am working in my degree field and still wish I went to a vo-tech school first...I paid off my loans so that is not a factor, I just did what I was told to do...graduate college
I'd be curious to hear the previous call he was referring to.
Mr Ramsey...you and John Rosemond are doppelgangers
Is finance or economics useful? I heard good things about those majors.
left handed puppetry 😂
What about if the parents and most adults encountered were the main agitators directing their kids and future generation in direction of said financial heedlessness, and educational demise? In that case, the suggestion may be ill advised for stepping in, no?
I'm sure for many, not all, first time college students, they may actually be the first in the entire family unit to head to college and want to make their parents proud and some parents with no fault of their own are just completely oblivious to how the ball game has truly changed after NAFTA. These were the same working parents that busted their behinds to make a brighter future for their kids only to watch their own jobs go off overseas or suddenly get flooded by foreign and domestic competition without adequate preparation and now their kids, all grown up, riding out the tumultuous economic trough of the last decade through incurring more 'Education' aka more "credentialization" (more debt) and only now facing a world vastly different from their parents. Once upon a time, going to college was part of the 'success' formula. Now it has become the noose that will hang many. It's now just slick marketing ploy and standard advertisement regurgitated during every open house event.
They followed the rules. They followed the formula. And now paying the price.
Students would save so much money if you didn't have to take so many GenEd classes.
Just go to the workplace.... infested with children in adult bodies....emotionally & mentally ill, never growed up! I love Dave! Success is combo of life skills book smart cleaning up your past & constantly working on & loving yourself & applying biblical principles!!!!! I was never parented I parented myself & still am & I’m 60! Dave stole my rant! Emotional intelligence is key.
Awww maaaaan! And I JUST finished my masters in German Polka History too! What a bummer! I guess I'll have to roll out the barrel now. 8-( 8-D 8-p.
I'm 27 making just under $90k and my masters in engineering helped me get here.
Young man, sign up with the IBEW, or Operating Engineers, or Pipe Fitters, or go in the service, and get the GI Bill. Work hard, earn 6 figures and have no debt
With so many school loans prices are out of control...eventually this bubble will pop and it will be bad.
I had a guidance counselor accuse me of sleeping with my boyfriend. Which I wasn’t but how did she think it was ok to go into that part of my life. My mom went after her 😊
Thank God my parents benefit package paid for my college!
***** wtf? That's a thing?! I feel bad for people's pets now
... but Dave, haven't you heard, we need a more "educated Society" 😉
and of course, the best way towards reaching that goal is.. majoring in German Polka history.
Cost close to nothing, free books at the library.
I'm always saying that college is NOT the end all and be all when it comes to choosing a career. Trade schools are grossly underrated. Welders and electricians sometimes make more than a lot of people who have "higher degrees." A lot of parents need to get real with their kids and not just hand them everything.
RED PILL
What's a RED PILL ?
@@user-zj9kw9lh1i Truth
Well we tried to talk to our son and he wasn’t having it so he stayed at school and racked up a huge debt of $45,000
Dave’s first comments 100% don’t encourage kids into debt - either to make the high school look more prestigious or to relive or live the college experience through your kid
5/23/19....I watch/listen to Fave Ramsey BECAUSE HE DOESN'T GIVE A HOOT ABOUT BEING POLITICALLY CORRECT!
BEING PC IS NOT IN HIS DNA THANK GOODNESS!
DAVE IS A RELIGIOUS MAN WHO USES HIS GOD GIVEN COMMON SENSE TO HELP OTHER PPL!
It seems like old fadhioned common sense is NOT PC today!
TOO BAD!
GOD BLESSED THIS MAN & HAS LED HIM TO HELP OTHERS!
GOD BLESS AMERICA + BRING US BACK TO COMMON SENSE!
Stupid but degrees, he is hilarious
Dave... you can't say this sort of thing to college students... you might offend them. #safespace
Haha! You better put a trigger warning on that one! I'm offended that you think I might be offended...
+Damon Hendrickson I'm offended that you might think that he might think that you might be offended...
This Chanel is the only support for a lot of life skills I never got at home, and only too long did I find out after I'm paying off my loan that I don't like my career!
Sometimes people need to be offended.
Still paying my loans ten years later. Not offended.
Gotta watch out for those dumb-butt decisions. lol
My son is a gifted tuba player
I can't believe 'they' want me to get a masters degree just to be a teacher aide. Why? And a nurse asked me why he needed a masters degree. I told him to get him in debt. Excuse me you choose that that I'm the one who should be asking you that. Why?
Does Dave Ramsey ask how much debt you have in job interviews 😂
Okay, so I don't think I'm going to USC for my LMSW after all. Heart says yes Dave says NO!
LifeInLimbo
run!
Go... But pay for it. Can you work it off while going to school?
Go to APU. Much cheaper and wonderful school. I have my MSW through them and they connect to my last two jobs since graduation. Great networking. Great degree choice by the way, so many opportunities
Is becoming a dentist worth it now a days?
Somet The parents do give good advice, but the teen doesn't listen.
No Dave! Teachers are required to tell kids by age 13 that they are all going to college because their snowflake parents don’t want you to expose them to any sort of reality therapy!
It is indefensible to go into debt for a useless degree. If the degree isn’t in Finance, Accounting or some law or Medical field focused degree it is probably a bad idea
50k/yr jobs are not hard to get at all with a little hustle
Average Caller: Should I spend more than I make?
Dave: No, you're stupid. Buy my product.
Average Caller: Derp, ok.
Dave's bank account: +$$$$
I'm 19, thinking about majoring in finance, there are tons of finance jobs out there.
LegendofVII Great! Now, do not go in debt to get it.
I learned very quickly that college advisers are not looking out for the students, but for the college's profit. They shove students into classes that don't matter just to get student counts up for classes that lack the numbers. Do your own research on what classes you need to take and tell your adviser to unlock your registration so you can sign up for those classes. I let my adviser pick my classes for me my first semester because I thought they were supposed to help me, but I was screwed. It took me 4.5 years to graduate because I was advised incorrectly.
shame on them . how does one ask their adviser to unlock their registration i am just about to start in the fall .
What's a parent?
Universities should not be the gatekeepers as they have been in the past. We need an affordable way to get recognized for what we learn on our own, so that what we may honestly need professional teaching to obtain can be achieved efficiently and at a reasonable cost.
A guidance counselor who encourages this is usually motivated by a fundamentalist mentality about education.
my fav USA film of the 60's IT'S A MAD MAD MAD WORLD. ONE GUY WENT BUST SELLINGCANNED SEAWEED. ANOTHER COMMENT WAS IF USA WOMEN STOPPED WARING BRA'S THE AMERICAN WAY OF LIFE WOULD COLLAPSE.
Hey Dave. It's now 2019 and this rant to men to get into a trade school is getting old. IF you want to be a....here we go: plumber, carpenter etc. (everybody says the same thing)….Now will you address the men who want to be a....oh lets see....a dentist, a pastor, a high school guidance counselor, CEO of a company, a tech writer? Then address the facts for WOMEN. How long do you think a woman plumber would get jobs when people hire men first????
I have a degree in philosophy and I make more than $300k/year. Some jobs simply require a four-year degree, with your major essentially being irrelevant. That being said, a degree in computer science is overall - and without doubt - a safer bet.
yeah, sure
Dave, will you help design and seed the biggest apprenticeship database in the US? Mostly for STEM? Imagine if the demand for STEM workers was filled with hard workers willing to work for minimum wage for a few years in exchange for intense STEM coursework - mostly on the job? (Instead of these middle/lower class intellectuals forking over 40k+ in education up front and hoping what they learned still applies to current needs in STEM.) Saving up for 5 years for school and draining ones cognitive energy battling for a middle skill job that doesn't necessarily lead to STEM to then eventually pay for a STEM degree (and be underemployed during the next 4 years of education) is a huge waste of human capital. Card table business works 10% of the time too. You're the guy to root for and find designers/innovators for apprenticeship programming - you hate debt and you believe in giving back. You know people... and STEM companies need your assistance participating in a change in paradigm about who pays for education (when STEM is rich and needs more human capital...why not have them fund their employee's training).
I suppose it would also include apprenticeship curriculum (teaching people in STEM how to teach their apprentices, and make sure they don't lose profit overall. They can instead have a self-sustaining charitable "scholarship" program that turns out highly skilled STEM workers who may end up making them lots of $$$).
Everything Mr Ramsey is saying is why tax payers should not pay a penny of their student loans.
I am sure many companies, if not most, prefer people with education from high end schools than people from cheaper state or city schools. You are fucking lying if you are saying your company doesn't have a preferance. People with business degrees from NYU Stern go extreme high ends companies while the same degree from lesser schools end up nowhere.
This is another clear example of wrong advice without understanding the full scope of job market.
Dave ramsey as mucvh as you can be wise on few thing, you're really not when it comes to college degrees. I mean really you want a society where everyone is either a lawyer or an egeneer?? really, we already know you dont believe in taxes but man you dont believe in societies either!
You don't have to have a world filled with doctors and lawyers. Those that pursue other ventures don't need to go to college.
Victoria Films I've heard him say before its fine if people want degrees that are not easily hire able BUT you shouldn't go in debt to get them. The dumb part isn't the degree it's the crazy high debt for the degree that will be near impossible to pay back
Education is an investment. You pay money upfront for more money down the road. Naturally, there are bad investments, like going to school for 4+ years, getting into $80,000 of debt for a job that pays $35,000 / year. It is not like we don't like artists, authors, social workers, non-profit organizations, etc. but currently there is a vast oversupply of people with those careers and thus the value of them is low. So, if you go into these majors the monetary risk of not getting a good ROI.
Sorry to be a little hard on you, but as long as education is an investment (which it always is) you'll always need to keep an eye on the ROI of it.
It's called the trades, business and apprenticeship. Or working in retail. Not going into copious amounts of debt for a degree that still only gets you a minimum wage job.
So go to a trade school. electrician, plumber, mechanic, heavy equipment operator, carpenter, the list goes on and on of valuable skills that are useful to society. Smart people can build a house. You don't have to have a degree to be smart. Learn a trade and actually contribute to something. So many degrees are pointless or they are giving out more degrees than there is a need for in the work force. When you got almost 80 teachers applying for only 4 positions that is a problem. Many will get a degree and never use it like they hoped making the kind of money they had imagined.