I Don't Feel Like I Can Get Ahead!

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  • Опубліковано 27 жов 2022
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КОМЕНТАРІ • 289

  • @VenetianSnus
    @VenetianSnus Рік тому +40

    LOVED this caller and Dave’s gentle but firm fatherly way with her. ❤

  • @Executor009
    @Executor009 Рік тому +175

    Shes been hearing her entire life that people should have no differences and that if someone goes out every weekend to eat and drink, friday through sunday then she should too be able to do that, and thats not how real life works.

    • @frankbatista.official
      @frankbatista.official Рік тому +7

      Exactly 😢

    • @jakeleisure8326
      @jakeleisure8326 Рік тому +8

      or she graduated college and expects to one day retire, lol
      good luck to her generation, they're gonna need it

    • @goalie2998
      @goalie2998 Рік тому +1

      @@jakeleisure8326 being 25 is a long way to go.

    • @joseCalderon1976
      @joseCalderon1976 Рік тому

      I asked my 20yr old Co worker why he bought a brand new expensive $30k car like a year ago. He visto told me because all the other kids were doing the same thing 🤦.

    • @guyrose2350
      @guyrose2350 Рік тому

      @@jakeleisure8326 lol almost every person I know in my generation (25yo) drives 20k cars, buy luxury items, travel and go out partying etc. none of this is bad at all, but they then go on to complain that they don’t have what I have at 25, I now have small passive income that’s growing day by day and can work a job I actually enjoy as I don’t have to stress about a dollar… that meant I drank cheap, ate cheap, didn’t go to Sunday brunch etc. or have cocktails after work like 90% of the people in my area do. It’s much harder these days, but not impossible and many don’t realise how much little things add up over time.

  • @om617yota8
    @om617yota8 Рік тому +99

    Dave's been doing this a long time. When he puts down his pen, you know it's not a money problem.

  • @cannix8055
    @cannix8055 Рік тому +10

    That pause after he said and someone says let's go get a drink lol

  • @nathanmartin9308
    @nathanmartin9308 Рік тому +7

    It's Amazing how Dave can figure people out within 30 seconds. I can see it in his face lol. These characteristics of him is why I listen to my "eleders" and Dave.

  • @heidicoffman3762
    @heidicoffman3762 Рік тому +65

    I listen to Dave answer these types of questions for years, probably my entire life, but this is the most clear I think he’s put it before, I don’t know something about the way he said it this time made something click in my brain

    • @frankbatista.official
      @frankbatista.official Рік тому +13

      I totally understand you. I honestly think people have to focus on their priorities and goals, everyone says they have but the truth is that most people don’t take that seriously and they ended up in this situation, that’s sad.

  • @frankbatista.official
    @frankbatista.official Рік тому +26

    People have to focus on their goals, when you’re motivated by your goals and priorities, everything changes

  • @alrbredwall
    @alrbredwall Рік тому +50

    Math is really hard for a lot of people.

  • @bluegillmich
    @bluegillmich Рік тому +28

    What kills me is when i hear gross pay and Net pay is what pays the bills. I make $3k per month, and the gov takes its share and you don't start with that - you start with $2100 or so .Margins are a lot tighter than we think

    • @kvmairforce
      @kvmairforce Рік тому +7

      I agree, $50k gross in one job could be $40k, another one could be $30k in another. Deductions are killer, especially healthcare.

    • @lukerider479
      @lukerider479 Рік тому +6

      I agree but this caller is making 4K a month. Also at that salary she is not getting taxed nearly 1/3 of her income.

    • @random-nz7dy
      @random-nz7dy Рік тому

      Only making 30 something thousand you're really not getting taxed that much and you're probably getting a tax return most years

    • @karlabritfeld7104
      @karlabritfeld7104 Рік тому

      Yes

    • @ceecee8757
      @ceecee8757 Рік тому +11

      As a single person, making $45k, no kids, I get taxed and deductions of 21.89%, so really I'm only making $35k annually. With inflation up another 18-20%, I'm treading water. If someone comes at me with saying I get a nice tax return at the end of the year, that's b.s. A less than $1200 tax return is nothing compared to the $10k Uncle Sam already took away from me. I get taxed AGAIN!

  • @sunnyrays2281
    @sunnyrays2281 Рік тому +28

    I actually liked his advice to her. She is on the right track, just needed a bit of a push. I hope she gets mad about having to say no and becomes a beast as Dave said-so she can cruise into her 30s debt free and in total charge of her life. Best wishes to her!!!

  • @danielle228512
    @danielle228512 Рік тому +4

    It took me writing down a weekly/monthly budget to realize how I needed an extra gig. Totally worth it and it gives me power knowing where my money is going and how much I can set aside to spend and save each paycheck.

  • @User6666_
    @User6666_ Рік тому +16

    I’m glad I have no serious debt the only debt I have is $15 😂 which I’m going to pay back tomorrow morning

  • @krobdawg
    @krobdawg Рік тому +141

    I'll always have Ramen no matter how broke or rich I get lol

    • @Kayzinator
      @Kayzinator Рік тому +3

      Ramen is life

    • @Leeon_King
      @Leeon_King Рік тому +7

      @Choice Italiano R-Amen!

    • @Leeon_King
      @Leeon_King Рік тому

      Facts!

    • @Kevin.Grindel
      @Kevin.Grindel Рік тому +2

      Make it at home 😊

    • @klwarhouse
      @klwarhouse Рік тому +20

      Until you start to feel the detriments to your health when you age. I'm not just ragging on ramen, all cheap highly processed food.

  • @b_bogg
    @b_bogg Рік тому +51

    We need the official Dave Ramsay cookbook on a budget!

    • @cutenobi
      @cutenobi Рік тому +16

      Great idea. Beans and rice, rice and beans. Lol.

    • @jeffswoyer9898
      @jeffswoyer9898 Рік тому +3

      @@cutenobi need variations - spices, etc

    • @Georgemorales5559
      @Georgemorales5559 Рік тому +2

      @@cutenobi u stole my words 🙂

    • @oliviafox6745
      @oliviafox6745 Рік тому +7

      There are a couple good cookbooks out there already. Living on a Dime cookbook and the old standby the More with Less cookbook.

    • @jeffswoyer9898
      @jeffswoyer9898 Рік тому +1

      @@oliviafox6745 I cook a lot of things in a Dutch Oven made in France. While they are expensive, they are an investment, not a cost. You can make 10-12 servings of chili in one.

  • @TaurusBebez
    @TaurusBebez Рік тому +28

    I am not struggling anymore, far from it. But still eat my favorite struggle meal often. Can of corn, fry it in olive oil until slightly brown, some salt on top. The best! The best things in life are free...or simple.

    • @goesbyAustin
      @goesbyAustin Рік тому +10

      I’ll have to try that out! We need a Ramsey cookbook with simple, cheap ideas like that

    • @eggsinsideme
      @eggsinsideme Рік тому +11

      @@goesbyAustin Agreed. How is there not a Beans & Rice cookbook yet?

    • @Madmorda
      @Madmorda Рік тому +9

      @@eggsinsideme I'd love a struggle meal ramsey guide. Baked potatoes with salt/pepper are my struggle meal. It's like 16 cents per potato, and baked potatoes in an air fryer are so crispy and perfect. Not to mention filling and nutritious. Also Oatmeal for breakfast.

    • @TShirtAndReeboks
      @TShirtAndReeboks Рік тому +3

      I love slow cooker cuban black beans and rice.

  • @pamwilliams6630
    @pamwilliams6630 Рік тому +27

    I love tuna, $.77 a can at Aldi, fills you up good especially with some salad greens from my garden:)

    • @MattPryze
      @MattPryze Рік тому +16

      Mercury and microplastics

    • @nodsib
      @nodsib Рік тому

      Don’t like plain tuna, but I’ll take a toasted tuna sandwich any day

    • @summerforever6736
      @summerforever6736 Рік тому +4

      Too much mercury! !

    • @summerforever6736
      @summerforever6736 Рік тому

      Tuna is trash from the farm high in mercury

    • @summerforever6736
      @summerforever6736 Рік тому +2

      @@MattPryze I just said the same thing!
      sardine ie much healthier

  • @linahmahlangu7367
    @linahmahlangu7367 Рік тому +14

    Watching from South Africa,I love the show❤️❤️🧡💛💚💙

  • @matyasfegyver2898
    @matyasfegyver2898 Рік тому

    You are a wise man David Ramsey!

  • @spencerloch6449
    @spencerloch6449 Рік тому +14

    I love how Dave always gets perspective on their whole lives then teaches while the other hosts rush into talking through the baby steps

  • @stangotisan9297
    @stangotisan9297 Рік тому +10

    Hello everyone🙏🏼 have a blessed day!

  • @Bullets4Bucks
    @Bullets4Bucks Рік тому +2

    Just be like Dave and claim bankruptcy... he's such a good role model!

  • @Kreberger
    @Kreberger Рік тому

    I completely agree with Dave. Tuna taste like poverty. Takes me back.

  • @mrsmith1339
    @mrsmith1339 Рік тому +2

    Henry Ford sais; "If you say you can, or if you say you can't, you are correct"

  • @Whoiskevinjones
    @Whoiskevinjones Рік тому +14

    Her $3k should be the budget. Use fitness job money to pay down school loan principle.

  • @jimmymcgill6778
    @jimmymcgill6778 Рік тому +21

    Dave talks about how debit cards have good protections.
    Read the gazelle debit card disclosures. It's worst then cc's.

    • @amireallythatgrumpy6508
      @amireallythatgrumpy6508 Рік тому

      All CCs have TERRIBLE protections so it must be bad.

    • @treyhall9138
      @treyhall9138 Рік тому +10

      @@amireallythatgrumpy6508 This is just factually not true. Like you can easily google this. CC's have great consumer protections typically.

    • @amireallythatgrumpy6508
      @amireallythatgrumpy6508 Рік тому +2

      @@treyhall9138 🤣🤣🤣🤣 What most people call great is actually terrible, given that people have extremely low standards. That is factually true.

  • @jarelchico
    @jarelchico Рік тому +11

    I want one of those sweaters.

  • @FrenchCruller03
    @FrenchCruller03 Рік тому +10

    $200 a month on car insurance seems awful high. 🤔

    • @Howdy762
      @Howdy762 Рік тому

      Yeah. I'm 25 yo male and got a C8 corvette. It's $160/mo lol what is she driving?

    • @corbindaquino
      @corbindaquino Рік тому +1

      Welcome to car insurance in Canada!

    • @lmfao69420
      @lmfao69420 Рік тому +1

      Maybe she should spend 15 minutes to get Geico and save 15% or more on car insurance. 🦎

    • @choicemeatrandy6572
      @choicemeatrandy6572 Рік тому +3

      Depends on where you live.

  • @doubles1545
    @doubles1545 Рік тому +1

    The food I will not eat anymore is beans. I ate so many bowls of beans when I was working my way through tech school I never want to eat another bean again.

  • @winewoman224
    @winewoman224 Рік тому +3

    Going out to eat and drink with her friends is not a need, it’s social entertainment at a premium cost. Saying no to yourself is the fallacy of this generation.

  • @kevinkidneyy
    @kevinkidneyy Рік тому +5

    this call is a mess

  • @betitos11
    @betitos11 9 місяців тому

    😱😱 Dave actually said you can go out for drinks while on baby step 2 🤣🤣

  • @daleireland
    @daleireland Рік тому +1

    I love you guys

  • @jimroscovius
    @jimroscovius Рік тому +13

    I wonder how much her phone bill is.

    • @ceecee8757
      @ceecee8757 Рік тому

      Probably $80/month, but that's minute compared to $650 rent, student loan, and car note.

    • @jimroscovius
      @jimroscovius Рік тому

      @@ceecee8757 I'll bet it's $100, at least. Plus the bar bill from the weekend, along with the eating out.

  • @roolyfe
    @roolyfe Рік тому +12

    I am 💯 k in debt 💸! I feel ya

  • @dangerclose1
    @dangerclose1 Рік тому +2

    60K in student loans for a 36K salary! Jesus.

    • @woodysrockspyro6436
      @woodysrockspyro6436 Рік тому

      People aren't very bright... school doesn't seem to help either. 😂

  • @cellsheet
    @cellsheet Рік тому

    I love my lean cuisines though 🤣

  • @MYTMIC
    @MYTMIC Рік тому

    She needs to get on an IDR repayment plan, assuming she has federal loans

  • @ytr8989
    @ytr8989 Рік тому +37

    Ramsey cut George real fast.

    • @fauxbro1983
      @fauxbro1983 Рік тому +9

      Cause dave is the alpha all the other hosts can't get to the point

    • @scottwyatt4988
      @scottwyatt4988 Рік тому +3

      @@fauxbro1983 dave is anything but, double standards for all the 'strong and independent' women

    • @hiphopjewels
      @hiphopjewels Рік тому +15

      @@scottwyatt4988 No, he just requires men to act like men, and women to act like women. Those standards are not the same for someone of his faith and generation.

    • @DeionSardines
      @DeionSardines Рік тому +1

      1:50 😅 jk

    • @joefunk76
      @joefunk76 Рік тому +5

      The price George must pay for that sweet gig.

  • @arjunkrishnamurthi4697
    @arjunkrishnamurthi4697 Рік тому +21

    Makes more money doing fitness classes than her job that required her to go to college and take out student loans.

    • @darex0827
      @darex0827 Рік тому

      Not much different than myself after getting my engineering degree. At first I wasn't making much more than as a personal trainer, but I am making a heck of a lot more in the long run.

    • @meesc3556
      @meesc3556 Рік тому

      @@darex0827 ummm, what kind of engineering degree did you get? Was becoming a professionally licensed engineer in the picture?

    • @random-nz7dy
      @random-nz7dy Рік тому +1

      Not as a defense of her college degree.
      But if she tried doing the fitness thing full time I guarantee she wouldn't be averaging $55 an hour.

    • @ryankiel4895
      @ryankiel4895 Рік тому

      That's quite ironic if you think about it.

  • @9liveslisa
    @9liveslisa Рік тому +1

    Sounds like she doesn't really have a budget. That's where to start. Take care of the monthly recurring expenditures first and whatever is leftover gets thrown at the debt.

  • @xAl3216
    @xAl3216 Рік тому +5

    Nobody can get ahead with these prices! I feel it anywhere I go

    • @ceecee8757
      @ceecee8757 Рік тому

      Same!

    • @dcg590
      @dcg590 Рік тому

      Why is the loan so big? Should’ve got a degree where it’s worth the loan

  • @overneath420
    @overneath420 Рік тому

    What do you do when you're doing everything right but the jobs/income in the area aren't consistent enough? I live with my dad and can't get moved out so moving doesn't seem to be an option even tho it might be a solution

    • @robertfrank6058
      @robertfrank6058 11 місяців тому

      Get remote / online work. There is tons of opportunities out there. Also do local gig work where you can like mowing lawns, babysitting, shoveling snow, pizza delivery on weekends, etc. save up and move somewhere with more opportunities.

  • @elizabethallen4353
    @elizabethallen4353 Рік тому

    He's right about change and finding a why.

  • @plants4thewin
    @plants4thewin Рік тому +10

    I get what Dave is saying about zero budgeting but 2-300 between paychecks is a decent amount of money if all of your basics are taken care of. She needs to stay out of the bars 🤣😂

  • @michael567jober
    @michael567jober Рік тому

    $3k a month is not much. at least here in miami

  • @aaronmurphy8796
    @aaronmurphy8796 11 місяців тому

    “When I see the extra money I think that’s spendable income “
    so there’s no point when there’s any money that she sees as useful to accumulate for the future . It’s all either being spent on bills or it’s spendable income .
    That’s a tough mentality to succeed financially with .

  • @kynoble
    @kynoble Рік тому

    Tanis, from Canada? Does she know Wayne and Darryl?

  • @oa5828
    @oa5828 Рік тому

    She is talking Canadian dollar, by the way

  • @nephetula
    @nephetula Рік тому +1

    With a $200/mo. car insurance bill, she's either a poor driver, she owns a ridiculous car, or she's with the wrong insurance company. DON'T stay with the "big guys"! Do your research; there are small companies out there that will insure you for half of their rates.

    • @oliviafox6745
      @oliviafox6745 Рік тому +1

      Someone mentioned she lives in Canada and that car insurance is much higher than in the US.

  • @toya1374
    @toya1374 Рік тому +1

    I thought student loans were paused.

  • @SwimSweetie100
    @SwimSweetie100 Рік тому +1

    Y’all be so harsh on this girl when she is 25 and learning how to budget. She’s way ahead of most people at that age

    • @dcg590
      @dcg590 Рік тому

      Is not. She’s only 25 and already complaining about adulting. Too bad. You borrowed way. Ore m9e y than you should have for a degree that is t worth that much. She’s just like the rest of them whining after the fact

  • @chrisgouger9299
    @chrisgouger9299 Рік тому +9

    Dave should tell her to start an onlyfans

  • @Imhere12345
    @Imhere12345 Рік тому

    Frozen taquitos

  • @VlauableFather
    @VlauableFather 10 місяців тому

    Man, that gazelle thing didn’t work out, did it?

  • @Sayres434
    @Sayres434 Рік тому

    You don't have a No button , ha

  • @ritterengine1289
    @ritterengine1289 Рік тому +2

    File for bankruptcy or tell Brandon to hook you up.

  • @blackspiderman1887
    @blackspiderman1887 Рік тому

    Her margin for error is slim but possible

  • @hymanbjorn6768
    @hymanbjorn6768 Рік тому +3

    SHE NEEDS A ROOMATE TO SHARE HOUSEHOLD EXPENSES, STOP BUYING IPHONES, AND STAY OUT OF THE CLUB!

    • @donaldlyons17
      @donaldlyons17 Рік тому +1

      Do you not know how many roommates are broke and will end up leaching off her? That is not everyone but plenty of people don't make more than they spend so...... I suggest she search for hood rich not normal people!!!!

  • @bumble8588
    @bumble8588 Рік тому +1

    I love out self righteous Ramsey is, even when he's wrong, which is a good part of the time.

    • @jameshudkins2210
      @jameshudkins2210 Рік тому +1

      Feel free to tell us where he is factually wrong.

    • @amireallythatgrumpy6508
      @amireallythatgrumpy6508 Рік тому

      He's just behaving like the typical American.

    • @lukerider479
      @lukerider479 Рік тому

      @@amireallythatgrumpy6508 how do typical Americans behave. Also pretty broad statement to put on such a large group of people

    • @amireallythatgrumpy6508
      @amireallythatgrumpy6508 Рік тому +1

      @@lukerider479 Arrogant, as though they are always right when they usually aren't.

    • @lukerider479
      @lukerider479 Рік тому +1

      @@amireallythatgrumpy6508 seems like a stupid thing to pin on 330+ million people. Where are you from?

  • @jeffswoyer9898
    @jeffswoyer9898 Рік тому

    50$ will buy a lot of club sodas, Diet Cokes (when you are 63 you shouldn't be drinking regular Coke). I'm very weird, even through the rough times, I always put money in my IRA. She doesn't mention if she was still contributing to her IRA/401-K.

    • @jamescohen4808
      @jamescohen4808 Рік тому

      Canada has different retirement accounts. They use TFSA and a few other options

  • @davidmilhouscarter8198
    @davidmilhouscarter8198 Рік тому

    "Wants" do not exist in baby step one and two.

  • @RichTalk_nikRich
    @RichTalk_nikRich Рік тому

    Eww that’s gross 😂😂

  • @LittleMopeHead
    @LittleMopeHead Рік тому +10

    DAVE: Little one, it’s a simple calculus. This universe is finite, its resources, finite… if budget is left unchecked, budget will cease to exist. It needs correction.

  • @oshkoshbegone
    @oshkoshbegone Рік тому +1

    get cheaper rent, get roommates, go back to parents, get more roommates, sell drugs, make moreeee

  • @beenjammin8581
    @beenjammin8581 Рік тому +1

    My rent is 6k. I make good money but live like a serf in Hawaii . Will never buy a home here

    • @DJW-
      @DJW- Рік тому

      What do you do for a living?

    • @JP-uy9kq
      @JP-uy9kq Рік тому +1

      Hopefully you at least Surf? The surfing surf?

    • @lmfao69420
      @lmfao69420 Рік тому

      Then you're paying way above average... nowhere in the US, even SF and NYC, is the average rent that high.

  • @KB-sg7tv
    @KB-sg7tv Рік тому +5

    Why is she making student loan payments when they’re currently on hold?

    • @doubleaz1234
      @doubleaz1234 Рік тому +6

      Canada

    • @Skeagle78
      @Skeagle78 Рік тому +1

      Plus not all student loans are on pause, I’m in the US and I still have to pay on student loans

    • @memefree3101
      @memefree3101 Рік тому +1

      She may have a private student loan

    • @amireallythatgrumpy6508
      @amireallythatgrumpy6508 Рік тому

      That shouldn't stop you from opting to make payments...

    • @sarahaubrey320
      @sarahaubrey320 Рік тому

      I know they are on pause in the US. I don't know if they are in Canada.

  • @AnimeBeefRandoms
    @AnimeBeefRandoms Рік тому +4

    Calgary is way more affordable than some other cities in Canada. There is no excuse to not get ahead there.

  • @JPROP-vb7sv
    @JPROP-vb7sv Рік тому +3

    She doesnt have a student loan payment untill January

    • @amireallythatgrumpy6508
      @amireallythatgrumpy6508 Рік тому

      Should still be making payments regardless.

    • @Ovulations
      @Ovulations Рік тому

      @@amireallythatgrumpy6508 sure but if she’s reaching into her emergency fund to make a not mandatory payment she’s at risk of putting herself in trouble

    • @megalodon1726
      @megalodon1726 Рік тому

      She's in Canada. The US student loan moratorium doesn't apply to her.

    • @JPROP-vb7sv
      @JPROP-vb7sv Рік тому

      @@megalodon1726 ahhh I didn't hear she was in Canada. I stand corrected

  • @charlesagnew3801
    @charlesagnew3801 Рік тому +8

    OF comes to mind

  • @therichbuddha3277
    @therichbuddha3277 Рік тому

    Smart young woman.

  • @lukeharris2622
    @lukeharris2622 Рік тому +1

    ✝️🙏

  • @christopherstimpson6540
    @christopherstimpson6540 Рік тому +3

    Men used to pay for all the drinks at happy hour. I guess equal rights must have changed that.

    • @jodylarson4697
      @jodylarson4697 Рік тому +6

      You're living in the 1970s. That's been gone a long time.

    • @amireallythatgrumpy6508
      @amireallythatgrumpy6508 Рік тому +1

      Happy hour has got to be the stupidest concept ever. When you finish work, that's when you go home.

    • @skincareceo
      @skincareceo Рік тому

      Yes men pay, as long as they are wealthy.

    • @peteranon8455
      @peteranon8455 Рік тому

      @@skincareceo Yes, if the ladies are good natured and lovely.

    • @lmfao69420
      @lmfao69420 Рік тому +1

      I feel like they're still often expected to.

  • @esonon5210
    @esonon5210 Рік тому +8

    I thought education was free in Canada

    • @noclueabena3520
      @noclueabena3520 Рік тому +1

      No , college and university is not free !!

    • @esonon5210
      @esonon5210 Рік тому

      @@noclueabena3520 Idk why people say that

    • @ErickGarcia-gb5fi
      @ErickGarcia-gb5fi Рік тому

      I wish 😂

    • @jl4091
      @jl4091 Рік тому +1

      healthcare

    • @brooke86
      @brooke86 Рік тому +1

      No, but a lot of our healthcare is covered. Education beyond highschool we pay for.

  • @tomrowe5826
    @tomrowe5826 Рік тому +2

    But I like to whine, it's the only thing I have control over. 🤣😂🤣...

  • @Whoiskevinjones
    @Whoiskevinjones Рік тому +2

    I didn't hear anything about rent. Can she get a roommate, especially if she is working all the time? Is $3K take home pay? A lot of young people don't realize how much is deducted from their paychecks.

    • @reese85
      @reese85 Рік тому +2

      Sh said 800 a month

  • @deathabe
    @deathabe Рік тому +25

    I understand that she feels like she's saying so to everything. Dave's whole system stems from having no social life and no entertainment in your life. Sure, you can get out of debt quickly, but why not just make it take an extra year or two and have a life along the way.

    • @dreamingfool2
      @dreamingfool2 Рік тому +28

      Because eventually an emergency or a great deal or something will always come up in between living life. The whole point of having no life, no eating out, scorched earth is TO MAKE YOU UNCOMFORTABLE. This makes you want to pay debt off faster and hopefully learn never to go backm

    • @jimroscovius
      @jimroscovius Рік тому +17

      Because the idea is to be gazelle intense and get out of debt as quickly as possible. Then you can have an even better life.

    • @amireallythatgrumpy6508
      @amireallythatgrumpy6508 Рік тому +11

      There's plenty of good free entertainment. Most entertainment you have to pay for is not worth it and is a waste of time anyway.

    • @joeplem5329
      @joeplem5329 Рік тому +8

      I'll pick not having a social life and saving my money over working 60+ hrs a week spending it all "having fun "🤷

    • @jimroscovius
      @jimroscovius Рік тому +5

      @@joeplem5329 My wife and I worked like crazy and paid off everything, including the house. Now we invest, go on trips and cruises with our kids, and enjoy life.

  • @Snacks1991
    @Snacks1991 Рік тому

    Lol she get 45hr she set for life

  • @californiatravelnurse318
    @californiatravelnurse318 Рік тому +3

    Aren't student loans forgiven ?

  • @lorenkrzykowski2314
    @lorenkrzykowski2314 Рік тому

    All you have to do is stay away from debt....college is overrated and gives you an instant mortgage...skip
    car payments waste years of your life slaving at a job you hate all to put into a depreciating item...skip
    Figure out a way around the "College Mentality" and "brand new car" and you will gain back your time and your life.

  • @CEOofTheHood
    @CEOofTheHood Рік тому

    That's not making sense. How does she make 4000 bucks a month and is still broke with here expenses. She should be able to save 500 bucks a month easy.

  • @summerforever6736
    @summerforever6736 Рік тому +2

    Dave is tired! !

  • @d_all_in
    @d_all_in Рік тому

    College educated and earning $36k? That needs to change.

    • @pscih7149
      @pscih7149 Рік тому +2

      She makes that after taxes. So she’s probably $50k salary. Which is very normal for a 25 year old college graduate.

  • @endofquoterepeattheline7516
    @endofquoterepeattheline7516 Рік тому +1

    She needs to work the pole

  • @hvaball150
    @hvaball150 Рік тому +1

    she has 2-4 years tops to go find a real man. before she is left over. max out everything gazelle speed, finding a man. no gym rats. go out every chance to find the man. dont sit at home.
    start Ramsey at 30, if she can't be picked or lock him down.

    • @katie8325
      @katie8325 Рік тому

      What are you talking about? I found my long term partner at 34..

  • @Darealist5629
    @Darealist5629 Рік тому

    And that’s why they call it the rat race

  • @jimv77
    @jimv77 Рік тому +3

    Who else wants to see Dave and George do a Gazelle Debit Card Rap commercial with their matching hoodies on??

  • @megalodon1726
    @megalodon1726 Рік тому

    What's her degree in? She's only making $3000/month from her day job.

  • @untouchable360x
    @untouchable360x Рік тому +14

    She should start a OF account.

    • @maximusdecimusmeridius5438
      @maximusdecimusmeridius5438 Рік тому

      No!

    • @untouchable360x
      @untouchable360x Рік тому

      @@maximusdecimusmeridius5438 What is your solution to pay off her debt very quickly?

    • @maximusdecimusmeridius5438
      @maximusdecimusmeridius5438 Рік тому +2

      @@untouchable360x stay the course no need to sell your soul for monetary gain and contribute to this degeneracy

    • @krobdawg
      @krobdawg Рік тому +6

      She sounds like someone (voice wise) who already has one

    • @phipsdeus2
      @phipsdeus2 Рік тому

      I thought she already had one.

  • @KB-sg7tv
    @KB-sg7tv Рік тому +1

    Why is she making student loan payments when they’re currently on hold? Also her rent is only 800… something’s not adding up. I have the same income, but higher rent, and I’m still able to get by.

    • @Andrew-ro6cr
      @Andrew-ro6cr Рік тому +6

      When did she say her payments are on hold? She's in Canada, not the US.

    • @christinegreen3974
      @christinegreen3974 Рік тому +2

      Even if payments are on hold, that's when you should tackle them. There was no interest being charged for months and months in thr US. That savings is huge! It's the only way I was able to pay off my student loans without taking 5+ more years. The interest is what is brutal, so a wise person would throw everything at those payments when there's no interest. If you're delaying, you're just kicking the can down the loan. Suffer now to lighten the load later.

    • @edhcb9359
      @edhcb9359 Рік тому

      @@Andrew-ro6cr That’s impossible for her to have student loans. She’s in Canada, the mystical legendary country where everything is free! 🤣🤣🤣

    • @amireallythatgrumpy6508
      @amireallythatgrumpy6508 Рік тому

      That shouldn't stop you from opting to make payments.

  • @jimmymcgill6778
    @jimmymcgill6778 Рік тому +5

    You know who can always get ahead? Jeffrey Dahmer.

  • @bronxcanines1481
    @bronxcanines1481 Рік тому +2

    once again George shows lack of competence in his role and Dave has to save the day

    • @JP-uy9kq
      @JP-uy9kq Рік тому +1

      Lol pretty much

    • @amireallythatgrumpy6508
      @amireallythatgrumpy6508 Рік тому +1

      You mean his lack of worldly experience. Any 62 year old would be able to answer this question better than any 32 year old...

  • @AmandaRogersarock1988
    @AmandaRogersarock1988 Рік тому

    I thought based on the thumbnail that Dave was going to be a lot harder on her.

  • @dottshall41
    @dottshall41 Рік тому +1

    First like! First comment!

  • @littleripper312
    @littleripper312 Рік тому

    She owes a whopping $60k on her student loans in Canada and only makes $3k/month at her salaried job!? Our schooling isn't expensive like the USA how did she rack up $60k and what on earth did she take a loan out to make such little money!? She must have not worked at all, no scholarships/bursaries and also borrowed for rent or else I don't know how her loan was so high.

    • @dericanslum1696
      @dericanslum1696 Рік тому

      ...it's just as expensive but someone else just pays more of it for you...

  • @joeriveracomedy
    @joeriveracomedy Рік тому +1

    She's fit eh? And 25? Why not marry a rich guy already?

  • @summerforever6736
    @summerforever6736 Рік тому

    Basic faken math people

  • @Wall2000x
    @Wall2000x Рік тому

    Get a room mate. You should be looking for another, better paying job. Or a raise.

  • @summerforever6736
    @summerforever6736 Рік тому

    She like to have a pickle

  • @jsteger2009
    @jsteger2009 Рік тому

    4th here lolz

  • @madisonhruschka3718
    @madisonhruschka3718 Рік тому

    first