You Have No Excuses After Watching This Video

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  • Опубліковано 9 січ 2025

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  • @cutenobi
    @cutenobi 3 роки тому +754

    It’s always nice to hear people who are not playing victim and being a warrior.

    • @jmc8076
      @jmc8076 3 роки тому +18

      They exist but don’t call in as often. 😉

    • @TheKiltedAdventurer
      @TheKiltedAdventurer 3 роки тому +7

      Amazing call. She happens to things (vs allowing things to happen to her).

    • @futureisyours3016
      @futureisyours3016 3 роки тому +3

      The best way to fight back is to play the victim card. It garners you support.
      Sympathy votes
      And you go gal from others

    • @levigardnerofficial
      @levigardnerofficial 3 роки тому +1

      I love this comment.

    • @rc0334
      @rc0334 3 роки тому +4

      A warrior who lived at home for years, no expenses and had family to watch her child? Ok

  • @KJEThompson
    @KJEThompson 3 роки тому +649

    Aw, you can tell she's a little scared/nervous and has a heart for fixing her finances!

    • @Koolej98
      @Koolej98 3 роки тому +20

      Everyone’s afraid but she channels the fear into courage.

    • @legendbodywork1313
      @legendbodywork1313 3 роки тому

      I hope. His puts Conviction. On. Him. For. What he did. For. His wife and. Kid. And. For. God. To protect her and. Her child. Alll. The days. Of. There life

  • @therealmvpcali
    @therealmvpcali 3 роки тому +305

    Love how she’s not making excuses. Not playing the victim card. This is a real woman

    • @Daniel-ke1bn
      @Daniel-ke1bn 3 роки тому +6

      Alright man you’re border line simping

    • @rasheemthebestfirstone3274
      @rasheemthebestfirstone3274 3 роки тому +22

      @@Daniel-ke1bn you’re over the line lame

    • @HiiamCeeCee
      @HiiamCeeCee 3 роки тому +7

      Lol. I didnt know there was a fake woman 🤣🤣

    • @Daniel-ke1bn
      @Daniel-ke1bn 3 роки тому +1

      @@rasheemthebestfirstone3274 You’re over the line a soy boy. Soy boy.

    • @rc0334
      @rc0334 3 роки тому +5

      She sounds incredibly privileged to me. Imagine what you could do with no rent, utilities or daycare bills AND you received a monthly child support check.

  • @itsSilviaDuh
    @itsSilviaDuh 3 роки тому +548

    Also a single mom with a 6 year old princess and I also follow Dave Ramsey. Got my house and live debt free (besides my house). I wanna be friends with this lady 🥺 I never meet anyone with my same mindset.

    • @Bamapride1985
      @Bamapride1985 3 роки тому +35

      It is always better having friends that don't always try to convince you to be stupid with finances just bc they are.

    • @LukenUSee
      @LukenUSee 3 роки тому +24

      You're amazing, too! Keep it going.

    • @MissVindicat
      @MissVindicat 3 роки тому +49

      Hey! Single mum here too! I just paid off my student loan. Over 33K in two years. 🥳🥳

    • @ladolcevitauk1474
      @ladolcevitauk1474 3 роки тому +4

      Respect!

    • @noregertsyamsayin8011
      @noregertsyamsayin8011 3 роки тому +10

      I want to date you level headed financially driven women.

  • @GR-uc1gq
    @GR-uc1gq 3 роки тому +656

    That's how normal a car payment is. That people don't even think of it as debt.

    • @KJEThompson
      @KJEThompson 3 роки тому +31

      Right?! Doesn't even phase people!

    • @johndone8045
      @johndone8045 3 роки тому +14

      Consider it monthly expenses its fine with less than 3% interest
      Drive it till it disintegrates
      U dont change car till u are rich enough

    • @AlexanderWebster_
      @AlexanderWebster_ 3 роки тому +5

      @@johndone8045 I have a 3.25% interest does that mean I’m not fine and should sell my car?

    • @Defy_Convention
      @Defy_Convention 3 роки тому +15

      @@johndone8045 just because you can find 0% interest, doesn't mean you should sign up for it. The depreciation is still huge.

    • @roolyfe
      @roolyfe 3 роки тому +14

      Average car 🚗 💰 payment in America is $500/ month for 69 months

  • @noahvsolis
    @noahvsolis 3 роки тому +491

    I’m a Loan Officer. No one ever stays at home with their parents to save money and actually does it! Boom! Congratulations!

    • @gardenofe12
      @gardenofe12 3 роки тому +36

      I did and still do !!
      I’ve fully funded my retirement fund and now saving towards more savings in hopes of retiring early.

    • @sb_dunk
      @sb_dunk 3 роки тому

      @@gardenofe12 How do your parents feel about this?

    • @lauras627
      @lauras627 3 роки тому +28

      I’m encouraging my daughter to live w/ me until she saves to buy her home!

    • @cococarmel6251
      @cococarmel6251 3 роки тому +5

      Kudos she had parents that took care of her and her kid. Now that she is on her own I doubt she will save $50000 in a short period of time.

    • @joshmeisterr
      @joshmeisterr 3 роки тому +10

      I still do and I've got savings now. It can be done

  • @VeganRashad
    @VeganRashad 3 роки тому +191

    Her parents gave her the ability to save. Thank God for her parents.

    • @shantedewise7345
      @shantedewise7345 3 роки тому +9

      But she didnt have to save that money, she is young and could have spent that money on usless stuff!

    • @Phonoodles408
      @Phonoodles408 3 роки тому +6

      @@shantedewise7345 you missed the point lol

    • @GarrettMusic1
      @GarrettMusic1 3 роки тому +2

      So have mine 😄

    • @ajoyforlife1
      @ajoyforlife1 3 роки тому +3

      Nice not paying rent.

    • @toohda
      @toohda 2 роки тому

      @@Phonoodles408 and you missed his

  • @LMFTechStudios
    @LMFTechStudios 3 роки тому +291

    Self control, discipline, she's doing an amazing job 👍

    • @clarifyingquestions
      @clarifyingquestions 3 роки тому +10

      patience, sacrifice, intentional at its core is essentially what money is

    • @annastarr2043
      @annastarr2043 3 роки тому +6

      @@clarifyingquestions easy when mommy pays all the bills

    • @christinebutler7630
      @christinebutler7630 3 роки тому +6

      She also got five years of help from mom and dad.

    • @handleyobusiness
      @handleyobusiness 3 роки тому +2

      @@christinebutler7630 and 18 years from child support.

    • @machoman5962
      @machoman5962 3 роки тому

      Single mom moment

  • @cameronmcfarrin4587
    @cameronmcfarrin4587 2 роки тому +21

    I respect how she was able to save so much with a child. I make in the 40s as a teacher, and I save money every paycheck. It can be done, it takes discipline.

  • @terrykrall
    @terrykrall 3 роки тому +100

    Some people are spenders. Some people are savers. She’s a saver!

    • @terrykrall
      @terrykrall 3 роки тому +1

      @MaGicTOWer ... yes, better to be a saver then become an investor.

  • @gerardopliego-financevideo8214
    @gerardopliego-financevideo8214 3 роки тому +209

    We will always have that voice that says we can’t , we just have to persevere and never give up . You guys can do it .

  • @evelynmunoz5246
    @evelynmunoz5246 3 роки тому +10

    Cooking dinner. My 14 years old boy gets close to me by the stove while I listen Dave, this publication. He said, mom, you should go to that program! I am also a single mom, Dave Ramsey follower. Yes, they see what you listen to!

    • @PInk77W1
      @PInk77W1 3 роки тому +3

      No one is gonna help u but u.
      I don’t mean that in a bad way.
      My brother was a millionaire.
      When I got divorced, I called him and asked him
      For $2000 to get an aprt. He said no.
      When I hanged up the phone I said to myself
      “Either u swim or sink”
      Now I’m doing great.
      Years later I thanked my brother

  • @DrJaredNelson
    @DrJaredNelson 3 роки тому +273

    Imagine when this lady has a larger income through the years. She is set!

    • @jassyjasdesan1674
      @jassyjasdesan1674 3 роки тому +3

      🤯

    • @DrJaredNelson
      @DrJaredNelson 3 роки тому +2

      @@jassyjasdesan1674 let's gooooo. 👏🏻👏🏻👏🏻

    • @quaithom3138
      @quaithom3138 3 роки тому +6

      Until she meets someone that decides what "we" should do with "our" money.

    • @kirapoodle
      @kirapoodle 3 роки тому

      @@quaithom3138 It's usually the other way around

  • @dayvidsdays5644
    @dayvidsdays5644 3 роки тому +90

    Inspiring story. It's proof and testament that our financial journey is mostly driven by our mindset and not defined by our situation.

  • @ZeinabVID
    @ZeinabVID 3 роки тому +8

    I love how she was scared at the beginning but finished strong! And showed off her strength

  • @LittlePinkPiggy1
    @LittlePinkPiggy1 3 роки тому +16

    Yes people, include your children in your budgeting. My family never discussed finance and I left home knowing nothing about money management. I didn't want my kids to be the same so I taught them how to be frugal and save.

  • @thegreenbusiness5206
    @thegreenbusiness5206 3 роки тому +21

    I'm in the exact same situation as her, same figures, this is so refreshing to hear 💛 I'm doing exactly that! I'm going to listen and do exactly that 🙌

  • @paulhuval
    @paulhuval 3 роки тому +95

    This young lady is wise beyond her years i hope she keeps it up and inspires others like her 👍

    • @paulhuval
      @paulhuval 3 роки тому

      @Natural Healing Methods i am not going to judge because who has not done stupid in there life when we were young and she is not playing the victim roll like half of this country right now

    • @activelifeg5237
      @activelifeg5237 3 роки тому

      @@paulhuval well each one has there story to tell so we dont know who is speaking the truth

  • @emitabunny1866
    @emitabunny1866 3 роки тому +70

    Newly Single mom now, this made me cry. Goals!!

  • @XCVi_MAC
    @XCVi_MAC 3 роки тому +235

    I’m finally paying off my car! I will never buy another vehicle from the dealership!

    • @leadnsteel1428
      @leadnsteel1428 3 роки тому +15

      yeah i had one then sold it and took the loss.... but now i don't have a car payment

    • @Imhere12345
      @Imhere12345 3 роки тому

      👏🤝

    • @Defy_Convention
      @Defy_Convention 3 роки тому +2

      @@leadnsteel1428 learning experience

    • @simplyme922
      @simplyme922 3 роки тому +4

      10 years after the fact, my car is paid off years ago but I realize now how I overpaid! I hardly drive it now. Keep up servicing. This car is taking me another 10 dang it lol.

    • @debkay1160
      @debkay1160 3 роки тому +7

      That’s why I drive a 20 year old vehicle

  • @karenchikuku8773
    @karenchikuku8773 3 роки тому +21

    Discipline is key 👌🏾👌🏾, delayed gratification at it's best. Good job to her!

  • @nodrogytsirk
    @nodrogytsirk 3 роки тому +8

    I discovered you about two weeks ago and have been binging your videos. Life changing! I have have taken every penny I had access to and thrown it to debt. Already half way through baby step 2. Retirement is looming. I have a good pension, money in my rrsp but wasn’t overly concerned about debt. Now I’m on track to be debt free other than my home within the year. No car loan. My future will be secure. I’m obsessed with these videos. Planning on giving the Financial university to my nieces for their birthdays. I’m telling everyone about this system sadly people don’t want to hear it.

  • @catlady2795
    @catlady2795 3 роки тому +72

    So impressive that she saved $50,000 while being a single mother. Much props to her!

    • @rc0334
      @rc0334 3 роки тому +11

      Yeah imagine what you could accomplish if you had no rent, utilities or daycare bills AND received a monthly child support payment

    • @bigr3578
      @bigr3578 3 роки тому +3

      Yeah I find that a little hard to believe earning 22k a year with a kid. But regardless good for her.

    • @kidtv6445
      @kidtv6445 2 роки тому

      And you believe her?

  • @jacobschneider5438
    @jacobschneider5438 3 роки тому +21

    I want Dave to be able to call me a warrior. What a great job!

  • @widowmakericu5705
    @widowmakericu5705 3 роки тому +58

    A lot of unanswered variables here. She did great living at home. But now (assuming) she has rent, utilities, phone, insurance, groceries, cable/internet, and maybe even daycare expenses plus child needs at a take home pay of 40k a year is gonna be tight. Not including savings or 401k contribution.

    • @Nikki-ks6wi
      @Nikki-ks6wi 3 роки тому +8

      Agreed that’s from loving at home she paid nothing it seems like. It’s good she bounced from the husband but most single mothers don’t have that option

  • @rachellawrence702
    @rachellawrence702 3 роки тому +54

    I dont think people understand that some have help like she does and blows every single penny. This woman didn't do that for five years.

    • @LEP021085
      @LEP021085 3 роки тому +2

      I’m trying to figure out how she did it. She basically saved 30-40 percent of her income over 6 years and this is including when she said her baby’s father stole money from her? Sounds like to me she never spent any money at all..except on that car payment (I inferred is about around 700-800/mon range)

  • @ororomonroe8022
    @ororomonroe8022 3 роки тому +9

    Please call her back in three years for an update. I’ll be here for it.

  • @ritzbaccay1361
    @ritzbaccay1361 3 роки тому +6

    She’s one strong woman, 🙏 she keeps it up. She’s truly ahead more than most of us. She’ll be absolutely astounding example to her daughter. She inspires me do keep going....

  • @DUECE12412
    @DUECE12412 3 роки тому +4

    Words can not express how happy I am for that young lady. I wish her the absolute very best

    • @fakeapplestore4710
      @fakeapplestore4710 3 роки тому +1

      wow dude you’re good looking

    • @DUECE12412
      @DUECE12412 3 роки тому

      @@fakeapplestore4710 shucks thanks ! This photo is from 9th grade. Now I’m 23 and in the Marines. I hope life is well for you friend 🙌

  • @DM-ky8sn
    @DM-ky8sn 3 роки тому +2

    This is my favorite call-in I've EVER heard

  • @yamamancha
    @yamamancha 3 роки тому +11

    Lindsay doesn't realize how awesome she is. She's doing so well. Once she gets a little more information and understanding, she will be incredibly wealthy.

  • @knowmadd9734
    @knowmadd9734 3 роки тому +3

    I legitimately have no excuse for my financial situation after hearing this amazing woman... Absolutely incredible

  • @ruthespiritu502
    @ruthespiritu502 3 роки тому +5

    What a BEAST! I am 28 years old, no child yet, but resonate with her mindset a lot. I wish for more success for her in the future. Finance Amazoness Warrior 💪

  • @devinaguirre3913
    @devinaguirre3913 3 роки тому +45

    She moved in w her parents for 5 yrs. while making 20-50k. When you live w parents things tend to, or should financially change. To me, this is sacrifice but what if some single moms don't have a family to go back too? To me, she didn't do this on her own rather w the support system helping her out. Family!!

    • @ToneCabinet
      @ToneCabinet 3 роки тому +9

      I'm not so sure she didn't have a little help from mom and dad with this $50K.

    • @MarokoJin
      @MarokoJin 3 роки тому +1

      That's why families are EXTREMELY important. We should help, in fact, we MUST help family members who are willing to make a change because that boost will change the whole family in the future.

  • @VeroNika-ef4yy
    @VeroNika-ef4yy 3 роки тому +10

    I'm a single mother and bought a house. I had the same issue with my babies Dad. I can totally relate. You did amazing. Budgeting makes me realize where I can be with my little income!!! Well done keep it up!!!!!!

  • @RickyBobby213
    @RickyBobby213 3 роки тому +8

    Great for her. Living at home with your parents, and saving, is the best way to increment your wealth. Im surprised Dave didnt get mad for living at home for a while.

  • @ajl099
    @ajl099 3 роки тому +2

    This women is amazing! I hope she inspires her little one and everyone who watches this.

  • @TheToadChild
    @TheToadChild 3 роки тому +12

    Well he got that right. That woman has a fierce go get ‘em attitude.

  • @jocelynswan4339
    @jocelynswan4339 3 роки тому +1

    She’s so awesome! Keep pushing for you and your daughter. God bless!

  • @marinaweibel
    @marinaweibel 3 роки тому +2

    I like how Dave asks questions and gathers information for his analysis.

  • @union310
    @union310 3 роки тому +3

    Class, that lady deserves her equal in life

  • @rareflower72
    @rareflower72 3 роки тому +1

    I'm proud of the young Arizona lady. She did her due diligence in saving and being responsible. Yay!!👏🏾👏🏾👏🏾

  • @salim777star
    @salim777star 3 роки тому +6

    You are an Amazing value to many people. Only thing i would change is this response when someone ask you how are you doing. "Better than i deserve" response. Sounds depleting for someone encouraging progress and uplifting messages that we all value. Just my humble🍃 opinion.
    God bless.

  • @ika1740
    @ika1740 3 роки тому +4

    I don’t know her but I’m proud of her. I can imagine the sacrifices she had to make to achieve this. She is so wise, I hope she takes the advice given to her ✨

    • @rc0334
      @rc0334 3 роки тому +1

      It really doesn’t take a lot of bravery to live with your parents rent and utilities free while getting free daycare.

  • @kimberlyholloway9304
    @kimberlyholloway9304 3 роки тому +2

    As a single mom this has been the most encouraging and empowering episode iv ever watched!

  • @ElaineLoyd
    @ElaineLoyd 3 роки тому +2

    I do the same thing. This is so encouraging. I don't use all of my taxes returns and bonuses as shopping spree money.

  • @aaronmeives4496
    @aaronmeives4496 3 роки тому +179

    Title: You have no excuse after watching this video
    Tuba degree kid: That sign can’t stop me cause I can’t read!

    • @aaronmeives4496
      @aaronmeives4496 3 роки тому +7

      I’m also a musician I’m just poking fun in case y’all wanna hate

    • @KarmaHipster313
      @KarmaHipster313 3 роки тому +3

      Very talented Symphonic Tuba player.

    • @letgabeequaltrue9097
      @letgabeequaltrue9097 3 роки тому +5

      The Tuba degree kid changed his major to Cymbals Degree

    • @78BroncoOscar95
      @78BroncoOscar95 3 роки тому

      I use o play that tuba too haha

    • @brianmcg321
      @brianmcg321 3 роки тому +1

      Tuba degree kid needs a meme.

  • @rosamoreno4794
    @rosamoreno4794 3 роки тому +4

    I just moved to Downtown Phoenix in May 2020 and homes are $ 600,000.00 plus and there old.
    No one tells you it’s expensive because they only tell you of the cheaper homes in far outside skirt cities like Goodyear, AZ. where homes are newer and $ 280,000 plus.

    • @sohd2283
      @sohd2283 3 роки тому

      Texas cheaper!

    • @johnhwang339
      @johnhwang339 3 роки тому

      Also need to consider property tax rate and state income tax (if any) to see which location makes the best financial sense.

    • @mrcwoodworks4523
      @mrcwoodworks4523 3 роки тому +1

      Yes good year is newer cheaper

  • @Thorne1982
    @Thorne1982 3 роки тому +16

    living at home helps a lot in saving. I give her props though.

  • @tijocreates
    @tijocreates 3 роки тому +3

    Very inspiring. It is scary,but definitely a reason to presevere....worth it for her baby's future. 🥰👏Yes ,she was home with parents for a long time ,but most don't save either way.

  • @iBJanky
    @iBJanky 3 роки тому +6

    Props to the caller 👍🏼

  • @Ch3rishtheday
    @Ch3rishtheday 3 роки тому +3

    Oh I love this girl! Very smart.

  • @megandunn8887
    @megandunn8887 3 роки тому

    Wow she’s amazing! Kudos to her and the plan she has for herself and her daughter!!

  • @meandmy2cents309
    @meandmy2cents309 3 роки тому

    Now that’s real encouragement! Kudos to this young lady. Shows what u can do with a little money determination and hard work!
    I know ppl that are too grown and still living at home and won’t save a nickle.

  • @jeffreyabbey9592
    @jeffreyabbey9592 3 роки тому

    Discipline goes a long way
    Good mindset on that caller
    Nice job

  • @pryscylla_horn
    @pryscylla_horn 3 роки тому

    Amazing Mum and what an amazing example to her little girl 👏

    • @whtsapp1870
      @whtsapp1870 3 роки тому

      Thanks for commenting, i will refer you to my trade analyst and accountant to make good income, go more on digital assets...

    • @whtsapp1870
      @whtsapp1870 3 роки тому

      +1 (6 1 7) - 2 4 9 - 3 3 4 4

    • @whtsapp1870
      @whtsapp1870 3 роки тому

      Via:Whatapp☝️

  • @BlueHazeYota
    @BlueHazeYota 3 роки тому +1

    Good for you Lindsey! I’m so happy for ya!

  • @eileenlester4342
    @eileenlester4342 3 роки тому +10

    I was a single mom living on my own for 18 years. If I had been able to make that kind of money I would have been set! Good for her for her circumstances and hopefully she will continue with the smart moves.

    • @lil_bofo3103
      @lil_bofo3103 3 роки тому

      Not really ur money in the past was worth more then it its worth in todays day

    • @eileenlester4342
      @eileenlester4342 3 роки тому +1

      @@lil_bofo3103 Yes, really! I am the one who lived it so I should know.

    • @lil_bofo3103
      @lil_bofo3103 3 роки тому

      How much u make doesnt really mean much its more how u spend it

    • @eileenlester4342
      @eileenlester4342 3 роки тому +1

      @@lil_bofo3103 What don't you get? When you don't make enough to pay your house payment and utilities and food, it certainly does matter how much you make! Difficult to find a good paying job back then unless you has a PhD. I made too much to qualify for any type of assistance...go figure. Things were very different back then. I pray that you never find yourself in that type of position.

    • @lil_bofo3103
      @lil_bofo3103 3 роки тому

      I been in that situation my whole life parents are immagrants so guess what no papers i am first generation born here luckly i bought property in 2013 making only 11hr and my second in 2016 making only 14 oh and with two kids one born in 2011 and second in 2014 so yes i had to know how to manage my money really well now my wife has six years without working and now finally making decent money but still low for a married couple with only a high diploma

  • @LadyJaneBooks
    @LadyJaneBooks 3 роки тому +3

    Very inspiring! I am rooting for this lady! You go girl!!! 👍

  • @scratchy271
    @scratchy271 3 роки тому

    God bless this young lady. Good for her

  • @AA-dy5fx
    @AA-dy5fx 3 роки тому +3

    God bless her nd lil daughter❤️

  • @khaisonreed157
    @khaisonreed157 3 роки тому

    Love how he sums everything up in a matter of time

  • @bigkanak797
    @bigkanak797 3 роки тому +1

    Humility is the key.

  • @TomiaMacQueen
    @TomiaMacQueen 3 роки тому

    Yes ma! I'm so inspired by you. He's so right, people making 10 and 20 x what she makes are struggling with debt. Way to warrior on!

  • @marcela241000
    @marcela241000 3 роки тому +7

    I'm a single mom as well with two children and I saved money too. Looking to buy a house . I live in a small mobile home and I pay 420 a month for parking space.
    I own two cars. One that I've bought in auction for 3500 and another new one after a few years for 110000 cash. The old one 2010 nissan is going to be for my son he's 14 going on 15 in a few months.

  • @VividiVavidi_V
    @VividiVavidi_V 3 роки тому

    I love seeing this one because I’m in a similar situation. Single mom and I have more money than I’ve ever had before and unsure of what to do with it but I think this will be about what I’ll do.

  • @dcabral00
    @dcabral00 3 роки тому +3

    This is great because at 46 years old, this is where I'm at.

  • @SelfMadeWealth
    @SelfMadeWealth 3 роки тому +28

    Don't spend countless hours entertaining yourself in the hope of implementing it someday. Close youtube after watching this video and implement something you watched.

    • @yamatokosanyaku7898
      @yamatokosanyaku7898 3 роки тому

      great advice , i found myself sometimes binging david videos for fun without peacticing anything

    • @aswinkrishna5042
      @aswinkrishna5042 3 роки тому

      yessir!

    • @gsquared2394
      @gsquared2394 3 роки тому +3

      I’m going to go have a kid and live at home for 5 years

    • @GR-uc1gq
      @GR-uc1gq 3 роки тому

      Bro I've been wasting my time on youtube and not doing my work.

  • @jaimimeyer222
    @jaimimeyer222 3 роки тому +10

    She is a rock star 🌟 she is so inspiring makes me wanna cry

  • @Tr1Hard777
    @Tr1Hard777 3 роки тому +1

    I work with a guy that bought a 40k car making 32k and says he wants reliability and it has a warranty. Mind you his insurance and payments add up to $800 a month which is like the cost of replacing an entire break system each month. How people don't go insane with debt is beyond me.

  • @humblebee7979
    @humblebee7979 3 роки тому

    I just love her story. Great job!!

  • @jmc8076
    @jmc8076 3 роки тому

    Major role model for spirit of strength and perseverance. I wish her and kiddo health, prosperity and joy. When time comes only intelligent, supportive, mature good men who will be her biggest cheer leader and best dad to her girl need apply! 🙏👏😉
    **Dave pls do compilation video of your most inspirational calls in 2020!!**

  • @teshastips
    @teshastips 3 роки тому +2

    She is a really ahead of the game. Good job to her. A budget helped me pay off 100k

  • @chillndill
    @chillndill 3 роки тому

    What an inspiration, good for her! Made my day.

  • @paulbroderick8438
    @paulbroderick8438 3 роки тому +1

    Well done lady, well done!!

  • @artillero31
    @artillero31 3 роки тому

    Thats great happy for the caller Im working on saving right now too

  • @Dr.C_Stag
    @Dr.C_Stag 3 роки тому +35

    I don’t think this lady has ANY issues living on a budget. She is a master 4D chess budgeter. 😂

  • @jacobschinzing5962
    @jacobschinzing5962 3 роки тому +29

    Welp I’m out of excuses now

    • @SunkissNia
      @SunkissNia 3 роки тому +1

      No. She said she moved back home. She didnt have rent or a mortgage to pay. That's where the savings came from

  • @2k3SteedaGT
    @2k3SteedaGT 3 роки тому +21

    So Dave thinks she’s gonna be able to save money at the same rate as before even though she now has to pay for rent, utilities, food, etc..?

  • @MaxSujyGermany
    @MaxSujyGermany 3 роки тому +7

    I disagree with Dave, she is simply scared which is more of a personality trait then a rational mindset. You can see here how she is unable to understand the simple logic behind paying the car today (a car which she pays interest on), instead of letting the money rot in a bank account which she earns nothing more with.

  • @rickyrick9328
    @rickyrick9328 3 роки тому +15

    Are you debt-free? Yep. Just my car payment...

  • @beatrizvasquez40
    @beatrizvasquez40 3 роки тому

    I'm actually almost on the same path as her. Good for her!

  • @JonSanchezFilms
    @JonSanchezFilms 3 роки тому +4

    I love that Dr. D said to bring her daughter into her budget meetings. That's freaking awesome and I'm gonna do the same with my future kids.
    edit: grammar

  • @PR_GTR
    @PR_GTR 3 роки тому +4

    I did it in 10 years 50k you have to be a good Discipline!!! 👍👍 she is a good girl 👧

  • @warwagon
    @warwagon 3 роки тому +12

    Plus as a single mother, she probably gets a nice amount of $$$$ back comes tax time.

  • @GR-uc1gq
    @GR-uc1gq 3 роки тому +46

    See when teens and early 20 year olds call and say they wanna stay home for a couple more years to save for a house Dave says nah you need to grow up. But praises this caller who stayed home for 5 years. Maybe it cause of the kid.

    • @KJEThompson
      @KJEThompson 3 роки тому +6

      There is something to be said about "growing up" and experiencing a bit of financial heartache, safely, outside of your childhood home, like an apartment maybe. Moving straight from Mom & Dad into homeownership could be a complete shock! We've been in our first home for a little over two years and I'm still surprised by how much work owning a home really is.

    • @sunshinesarah4746
      @sunshinesarah4746 3 роки тому +11

      Most young people who he tells to move out are single and are making excuses of why they are in financial problems and why their parents don’t respect them and see them as adults. The ones who have gone through life troubles and are in super tough places who have to move in like, a hard time with a crazy man or lost all there money and have to save up, he doesn’t shame from what I see.

    • @Neddie2k
      @Neddie2k 3 роки тому +2

      Well she saved and she moved with 50k in the bank.
      She didn't call asking if she should move out anyway.

    • @shaloon64
      @shaloon64 3 роки тому +4

      @@KJEThompson i do agree that some people need to experience a certain level of financial hardship to learn (myself included), but I dont see the point in purposely going out of your way to experience it if you don't have to.
      I'm saving up to move straight into home ownership because renting would just stall my ability to save for a house. To each their own.

    • @labornurse
      @labornurse 3 роки тому +1

      I'm sure it was because of the kid. Built in childcare, too.

  • @goodluvv
    @goodluvv 3 роки тому

    Awesome job, Lindsay!! You are a motivator!

  • @sherrystacyrn589
    @sherrystacyrn589 3 роки тому +3

    She moved out of her parents home...which was no cost.....NOW, what is she paying in rent??

  • @tiashaunbrown1404
    @tiashaunbrown1404 3 роки тому

    Yesssss momma!!! So proud and inspired!!!

  • @amandac7981
    @amandac7981 3 роки тому +6

    I think you underestimate my ability and determination to make excuses.

  • @armedrebellion47
    @armedrebellion47 3 роки тому +37

    If you have 50 in cash... PAY THE CAR OFF!

    • @blackworldtraveler3711
      @blackworldtraveler3711 3 роки тому +4

      Never understood why people would save that much and still have car payments. She even lived at home.

    • @spiritsofthesky
      @spiritsofthesky 3 роки тому +5

      Probably a lot of fear and anxiety over not having cash on hand. Most people also don't realize how much interest can eat up.

    • @nateisright
      @nateisright 3 роки тому

      Better do the TVM calculation first. It’s not smart to use an income producing asset (cash earning interest) to pay off a 0% loan for example.

  • @redfox1340
    @redfox1340 3 роки тому

    Way to go! Love hearing success stories like this.

  • @randallstewart175
    @randallstewart175 3 роки тому +3

    When you grow up poor and early on decide you do not want to continue that life, it is not so hard to find an education, a job and regularly save a part of your income, regardless of situation. Define your goal accordingly, and you end up with a nest egg which will in later life grow faster than you will spend it. You will still life off earnings, so you end up with not more money than you could spend, but more than you will spend. It's a lifestyle, not a budget.

  • @Sweet_Southern_Pecan
    @Sweet_Southern_Pecan 3 роки тому +1

    I absolutely love this story 💰

  • @monicadhenderson8670
    @monicadhenderson8670 3 роки тому +1

    Such a smart young lady👏🏼👏🏼👏🏼May Father Yahweh continue to bless you sweetheart ❤️💜& your BabyGirl 🧡🧡

  • @VelvetRevolver0
    @VelvetRevolver0 3 роки тому

    She is such an inspiration!

  • @crushitwithkris
    @crushitwithkris 3 роки тому +16

    No excuses 👍

  • @crazyaces99
    @crazyaces99 3 роки тому +1

    I’ll be calling in next week after my 4 AMC calls work out. HODL THE LINE 🚀🌕

  • @Shadowwind4
    @Shadowwind4 3 роки тому +58

    No I don’t have any debt, just a car payment

    • @tEqUiko
      @tEqUiko 3 роки тому +2

      Sale it!&🚶

    • @barrykelly2722
      @barrykelly2722 3 роки тому +3

      Yeah her shacking it at the parents house is over so she's dropping coin on an apartment or shacking it up with someone else. Rent is not cheap plus utilities. Yeah not thinking she will knock 100k. But her pay increase should make her save better than most. Girl saving that child support and alimony.

    • @jpdst29
      @jpdst29 3 роки тому +3

      @@NiceOneZebra I was thinking the same thing as well. And she just started making 50k a year. She was making 25k the previous five years.

    • @Defy_Convention
      @Defy_Convention 3 роки тому +6

      @@NiceOneZebra lol right? She can't save that much on her own as a single mom unless she lives with her parents and they pay for everything.

    • @JJs_playground
      @JJs_playground 3 роки тому +4

      @@NiceOneZebra did you watch the video? She said the father (of the child) stole money from her. So I don't think he's paying any alimony or child support.

  • @alfienykabutler5919
    @alfienykabutler5919 3 роки тому +4

    "It doesn't have to be invested to be fancey." I'm taking that to the bank.