Bless this lady. She sounds so strong and determined. Wish she could get some help from disability. It’s awful that so many people scam the system, but then she can’t get help for legitimate disability.
That's not why she cant get help. Fraud is less than 10%. But conservatives use it as a way to create means tests that intentionally limits folks ability to benefit.
@@ineedhoez It's easy to say that fraud is less than 10% when you never look for fraud in the first place. Same with voting fraud. Only the most inept mess it up so badly that they're caught.
This woman is completely lying. She makes absolutely no sense. Her receiving SSI or SSD has nothing to do with her husband's income. He don't even make that much money. She applied for disability. She didn't apply for welfare. Nobody stays completely broke for 31 years. She wants us to believe she's only got 70 bucks to buy food for the entire month ? Yet, they're paying over 300 bucks on a car payment and 200 bucks on gas every month ? She wants to work and clean houses 🏘️🏡 ? But, she said she's blind and has MS. So let me understand her (illogical logic). She can't see and she can't really move around. But, she's gonna go clean somebody's house ? Make that make (a tiny bit) of sense.
Sen basically what happens with multiple sclerosis is people get lesions (like scar tissue) in their brain and spinal cord. It can affect the ability to walk, talk, think, and many other horrible things. It can be so debilitating that some people become paralyzed by it and have to use wheelchairs or are completely bedbound. Fortunately many people don’t get that severe form of it but many do.
If she were disabled she would get Social Security Disability Insurance which is paid regardless of a spouse's earnings. If she were blind in both eyes (visual acuity of 20/200 or worse) she would qualify for SSDI.
I was just thinking- here is this woman with tangible, serious disabilities and she's itching to work. Meanwhile, we have a country full of BUMS whose only 'work' is keeping up the charade of their 'invisible' disability so they can sit on their rumps and steal from the taxpayers with our government's blessing. (NOTE- I am fully aware there are REAL invisible disabilities, I am not in any way implying they are not real, simply pointing out the large number of folks who put so much energy into bilking the system by pretending to have one instead of supporting themselves in a legit manner)
Leeches of society just like those women who squatted in an Oakland home, collecting and living off welfare because theyre too lazy (and too ghetto) to find work..
I'm blind as well, and I used to have disability. I became ineligible when I went back to work and could sustain a job NOT because my husband had a job and earned a salary. Social Security Disability is based on an individual's earned income - i.e. her husband's income would NOT affect this lady's eligibility for disability. If someone is telling her otherwise, she needs to appeal that decision.
This is what I was thinking. For SSDI, a spouse’s income only affects whether or not the disability benefits will be taxable income. It should not affect the person’s ability to get the benefits in the first place. I really hope she can appeal the decision.
Car payment brings down insurance as well that's almost 500 a month free. That changes everything in their world 500 pays things down and frees up stuff.
I don't get it, how can your car insurance be $500 a month, I pay £340 per year for my insurance for an old Ford Mondeo - fully comprehensive insurance?
Well, it’s a done deal, so why hash it over. University bachelors degrees are expensive, even at state universities it’s $60,000 for 4 years now. The proof that the degrees are not really paying off, which I know for a fact they aren’t. I was in backend finance managing communications for a 3rd party vendor for all major U.S. banks credit cards. The education debt is real,most of the jobs being created are the level of dung, like school teacher level that needs a part-time job on top. And the majority of jobs now are part-time 30 hours for businesses to avoid paying benefits. A bachelors in biology gets you a $15-$20 an hour lab tech job, bachelors in computer programming gets you nothing, because all the finance controlled businesses use a 3rd party vendor who ships in H1B workers from India as independent contractors for $10 an hour no benefits. That’s how America rolls through lobbyists.
After hearing this call..... I wish there was a way to donate money to the caller. This is exactly the type of person I like to help. Taking responsibility and willing to work in spite of some physical challenges. Miss, if you’re reading this, you have my respect and admiration.
The grocery is the biggest bill. Not sure where they are shopping for food but there are tons of ways to cut back. At least they are tracking it because most people have no clue what they spend
I do feel bad for them but once she said $600 for food...they can easily cut that to 200-300. I am a family of 3 and we don't spend that much on food. Also maybe cut out cable and lane line. Just live with internet with cheap prepaid cell phones. Sell the car of course and buy used car with cash. Etc... etc...They will be fine. But too bad about the student loans tho. That sucks.
I think the point about them being older was related to the fact that for the most part older people who don't have to worry about feeding kids and whose metabolism is not what it was when they were in their twenties are going to need less per meal. But even for two younger people $600 a month for groceries is way high.
@@Esteban-MK64 I'm just curious how are you spending that a month? because eating healthy is more expensive especially the meat and produce where I live and even more if you have a special diet or food allergy.
Food can be cut in half - need to meal plan and budget. Also look at pantry items and see what you can cook from there to cut costs. You can cut electricity by keeping lights off when not needed and unplugging appliances besides stove and fridge everytime they aren't in use. Phone bill, if you have a cell phone, homep phone may not be necessary. Car, get rid of it. Doing that will give you the 500/month right there to save or apply to your debt.
@Van Isle Vlogs they live in the middle of nowhere. They can't spend every day going to shop for groceries. But yes, cooking from scratch and from their pantry first would save a lot.
Sad to hear her story and here is what I feel. I think the utility and food bill is very high. No need to clean houses when you can find online jobs like customer care, teaching etc. my wife’s best friend teaches English to some Chinese kids online and makes about 15-20 bucks an hour. Much better option will be sell the house and move into a condo in a big town. Much better job opportunities for the husband and condo bills will be much lower than the house. Sell the car of course.
I teach English online to Chinese students. You need a bachelors degree and experience working with children. The hiring process is extensive and requires energy and skill. It’s not an easy gig for her to just jump into and she will not be able to do it without a bachelors degree at a minimum.
C W Nothing is easy, getting a job is hard when unemployed but we have to start searching. The person I know is not even born is US and her English is decent but nowhere fluent as the caller. I was just throwing ideas. Virtual assistant, customer care rep etc jobs are also options.
How can she clean when she is legally blind? I mean she can try, but honestly, how good can you clean if you can't see what you are doing? That's great that she wants to clean to make some money, but you have to be realistic also....
People have gotten degrees that don't make money, like this guy...he didn't even finish, gone to schools they couldn't afford, not taken advantage of scholarships, haven't worked instead of getting loans🤦🏽♀️
They do in fact deny SSI if your spouse makes too much money. Happens to my mom and stepdad all the time. Whenever she works overtime He loses benefits
MS symptoms can be mitigated by using the Wahls protocol. Maybe she could follow that diet as close as her budget would allow. I was able to listen to the Wahl’s protocol book free through my Library and the Hoopla app.
No. That's $138 per week. 600 per month x 12 months= 7,200 per year. Divide that by 52 weeks per year and you get $138.46 per week. That's pretty reasonable.
For two people? They might be including eating out or something or getting all those ready made meals rather than making things from scratch and making large batches and freezing them. A family of 5-6 yes but not two people.
MR Ramsey : you say to people once they off there debit there are weird people, then I must be really weird because I listened to my dad because I have never been in debt and plan to stay that way. George from NJ
Several monthly expenditures here could stand closer scrutiny. $300 mo for electricity is a lot of electricity. Two cellphones at $90 mo could possibly be pared down to $40-$70. Auto & home insurance of $192 & $174 sounds way high. Food at $600 sounds like a candidate to cut too. Not enough information to get down to the real nitty gritty, but I'd work at paring down each category and squeezing out every possible savings.
Why are mobile so expensive in the US. In the UK I pay £6 per month for unlimited minutes unlimited texts, of course I buy my own phone and data is only 500Mb but even so, your cars and comms cost loads.
@@gtolose I can't offer more than generalities. Every marketplace is priced at all the traffic will bear. Prices are higher in more prosperous countries and lower in less prosperous. We have cellphone plans that are similar to yours and are currently in the $15-$25 range. I'm not conscious of the US car market, but I assume there are at least a few new cars still available under $20K.
When she discusses their phone payment, they probably have an unlimited data plan and are financing both phones. They could easily halve their phone bill. And yes, the cheapest new cars in the US, at least in my region, are in the 15k range. What caller is paying/month is in the range of an average mid-size sedan.
@@gtolose Contract mobiles phones tend to be high in the U.S., especially when people get talked into buying an expensive phone that they finance as well. Personally, I have a prepaid phone (Tracfone) and only spend about $10 a month on it. The phone itself was around $100 and I've had it several years already. If she's doing $90 for 2 phones (unclear if that was per line or both), then she may have a prepaid as well. There are $45 unlimited prepaid phone plans. Those aren't too bad by U.S. standards.
I'm kind of surprised he didn't tell them to sell the house and move closer to where he works. That gas payment and tolls were pretty high for the income.
Shop smart when going to grocery. Avoid local groceries. Try going to Sam’s and Costco to buy in large quantity and meal prep. A case of 40 pounds of white meat chicken at Sam’s club is around $60-70. Pork shoulders is $1.78 per pounds and buy around 40 pounds. Jasmine rice bag is $25 per 50 pounds. Add your veggies and fruits. A family of 4 can spend like $300 per month to feed the whole family.
They need to not be overdrawing at the end of each month... that can cost a LOT. Just curing the overdrafts will make a difference. $35 free from your bank and another $30 from the store where you wrote the bad check... $65 a check that you write after you are out of money. If you have overdraft protection you still pay the bank overdraft fee. And people who do overdrafts try to do it small, hoping the bank will let it slide which means they write a few overdrafts. Maybe $350 in fees a month. Its as bad as or worse than a payday loan, which is a hole you never can dig your way out of. > I know a couple of people who live on overdrafts... and I can't convince them that they are shooting themselves in the foot.
They already have the house free and clear. Just taxes, water. Electric, etc. What they need to do is get rid of the car and lower their groceries spending or use coupons if she wants to learn something. But if they do move than yeah consider selling the house if they aren't able to rent it out while living closer to their son.
Terrible idea when they own the home outright and have low taxes on it. Owing rent again would be an additional burden in the budget. Sell the car, not the house.
They need to cut down the grocery bill, which is exorbitant for 2 people, and get a different vehicle. If that doesn't help them enough they need to move. Been there, done that. I think that Dave missed the boat on this one! Prayers for them to get out of this bind.
cellphones- go to prepaid minutes instead of the plan you have utilities- minimize use as much as possible car- probably needs to go but may not be a quick or easy to get rid of
$600 in food! $200 car insurance! $200 gas! $364 car payment. Need a cheaper car with better fuel mileage and cut down on the food budget. I see $700 in savings right there.
Well you don’t need internet and cable. And utilities are way to hi? I live in a big house with my family .my electric runs around 170 mo and water 75 mo .total about 240 to 250 mo. listed to her 500 to 600 ranges, I drive a 20 year all car paid for .
theguy12322 Internet is becoming more of a necessity nowadays in the home. For me anyway. Heck you don’t really need a car if you have internet access in some cases especially when retired.
Your budget for food is less than 150 a month...? I'm single and I spend anywhere from 260-350 on food. I buy actual vegetables and such to cook every day though. 150 a month is 37.50 a week... or 5 dollars a day, that seems low to me.
Two problems with the states. No support for those who needs. $90k for a student loan is way to much. If she would live in Europe her financial problems would have been solved.
You can totally get that bill down with $30 electric space heaters from Walmart used in rooms you are in, wearing layers of wool clothing (ditch using the whole house furnace and AC), in the summer pretend you are in 1950, do all activities early morning, super light clothes, a fan, a cold bath, lazy afternoons in a cheap backyard kids pool in the shade & some Koolaid. Also, live by the sun (like our bodies are meant to, sleep when the sun goes down, get up with the sun. Bye Bye lights! We need to retrain our brains to be less entertained. Healthier all the way around!
Reduce homeowners and car insurance and cable. Every single line item needs to be reduced. Do some small online stuff like swagbucks sign up for MS surveys.
I’m listening to this lady’s sad story right after listening to the “I make $12k a month and just won the lottery” lady, and I am very angry at the unfairness of it all.
She said legally blind which usually means can see but very poorly. I've known 2 legally blind people. Neither could drive but one ride a bicycle and both could read but only with the paper very close to their faces. One worked an outside job. One saw people and items as grey shadows. MS varies. Some are worse off than others so it just depends on how bad her symptoms are.
On Master Chef a lady named Christine was legally blind but was able to compete in cooking, win, and open up her own restaurant. I don't doubt what blind people are capable of.
@@tahajidedes5567 The only way it makes sense to me is if they both, say, smoke and drink a lot and cigarettes and alcohol are included in the "grocery" budget
Great topic. I posted a video on my channel about all the 11 expenses I cut to save over $1700 in Monthly expenses so I could keep my house when I went through a divorce. Prayers for this family🙏🏾💓
@@Reidbit thanks for your comment. My goal is to help people. Feel free to watch some of my videos. You will see that I'm always trying to help people make better decisions in their finances and their health and also within their thoughts and emotions. Thanks again and have a very blessed Sunday.🙏🏾💓
@@hellokitty8552 No, it's not. "According to the U.S. Energy Information Admin., the average monthly residential electric bill . . . was $111.67 in 2017."
No one mentioned the $600/month in GROCERIES for two people! Trimming that grocery bill and selling the car would definitely help. I certainly wish them the best!
$100,000 in student loan debt at 55 with nothing to show for it!? I’d slap him so hard his dead great grandma would feel it. How absolutely irresponsible!
Probably a lot of convenience food. It could be cut down, I think. Of course, we don't know how disabled she is, which may make meal preparation a lot harder. It sounds like the husband has to drive a bit to get to his job ... $70 in tolls.
His gross income is probably around 60-65k a year. All those deductions kill your income. My gross pay is just shy of 70k which I wouldn't call "low" and my paycheck for two weeks is only $1636 after taxes and deductions. But my gross income is $2632 every two weeks. Thats $1000 going to taxes and benefits. It's crazy..
First caller legally blind, she then goes on to say she clean houses so without being unkind to this lady how would you clean properties you don't know your way round. I am not say people who are blind don't clean because they do but it's their home they have a sence of where everything is
i listen to daves podcast, and at 28 am trying to get my life in order for financial freedom, i won't be following the babysteps anytime soon, but i just sold my beautiful harley davidson that was costing me 540 bucks a month, now i can pay off my other few grand in debt and i'll be debt free, then its onto saving and investing!! looking forward to being free of debt.
Crazy payment on just a motorcycle. Congratulations on getting a head start. In 5 or 10 years you'll be able to buy one with cash and feel good about it.
the car would take care of a bunch since her car insurance is high. $2300 a year for a single car? I'd also move. Her gas and electric are sky high for 2 people. Sounds like too big of a house, and too much car. Agree $600 is a lot for groceries.
Bless her heart but she can’t clean houses with MS for long. She’s going to relapse and each time it will get worse. Online data entry or transcription sounds more something she can do.
N B Initially I thought the same, then remembered a friend who has MS that only manifests as ocasional, temporary optic neuritis and is otherwise fine. I was thinking a UA-cam channel covering her conditions might generate revenue if she can see well enough to manage this.
@@bookmagicroe9553 MS can cause problems with vision. An ex-colleague was diagnosed with MS because of the bizarre issues she had with her eyesight. No other health issues. It's very real and causes her a great deal of distress, especially because of the kind of work she does. Now I work with a genius tech who also suffers from MS. It affects his whole body at times. He retains a first class sense of humour, and refers to his disability permits and parking spaces as his 'gimp badge and rights'. I've become so indoctrinated into his cult humour I laugh until I cry at times, and try hard to not refer to it that way in public because others would think I was being disrespectful :-o
Wait do not move from a paid for house. The husband needs to sell the car and bring in more money. She could do transcription online but the idea that she would have to clean houses while blind and having ms to pay off his student loan and car is ridiculous. That husband should go to financial peace university with her. He seems to be the variable.
This lady may qualify for SSDI provided her husband has worked long enough to qualify for benefits. SDI is based on income levels. I would certainly advise her to contact the social security department. She may also qualify for Medi-cal if she lived in California
things that stick out to me is a 300.00 electric bill And a 200 gas bill. for a house thats worth 200 thousand that seems odd. i would understand if the heat and water were electric. But when you say the gas is 200 a month that makes no sense
I feel like because some areas have such inflated incomes, it makes it sound like those of us in lower cost of living areas sound poor because our salaries match the less expensive lifestyle. I'm a teacher and make about what you do once you add in stipends and a summer job. It's not luxurious, but I wouldn't call it "very low income" either. To me, that's people surviving below $2k a month.
Perfect advice, except the car may be upside down, take it to Carmax. If it’s close sell it. Can’t beat a well taken care of old Toyota Corolla or Camry. The choice of car for college students. They need to find a way not to finance cars, it’s a death knell in this crappy economy. Also, get that electric bill down, $30 electric space heaters from Walmart, just in rooms used, will lower your bill, unplug everything you can, wear heavy wool in the house, in the summer, sweat it out or take a cold bath. Your goal is to cut electric bill to $150 a month. Go camping “at home” for your meals when you are able to save on electricity. No cook meals saves a lot. Turn down water heater. Just the $150 savings in electricity and maybe $10 savings in water use could free up $1,800 a year, that’s your breathing room, in case the car situation is not workable. But remember, no new cars, stick to super reliable Toyota really old early 2000’s Corolla or Camry . If you can fit in to a Toyota Prius C (a fitness routine and diet will save money and your health), a Used Prius C, say 2015-2018, gets 50 miles to the gallon, that feels great, too. Never buy a a used car without a clean 1-2 owner Carfax no wrecks, and pristine maintenance history, not passed around through dealers, make sure no water damage and Toyota’s can be over 100,000 miles, if they had the big 100,000 mile maintenance flushes, hoses, belts, brakes, new tires done. Best of luck!
Some of these comments seem so..odd. lots of people saying it's a shame the government isn't helping her. She said she was getting a check until her husband started making more money. That's how those things are supposed to work. That's how being married works. You are a unit together. I shouldn't be able to marry a millionaire and then go to the government and say help me cause I don't work. (And yes I realize these people aren't millionaires. It's just an example)
she qualifies for SSDI but not SSI. SSDI definitely would help her and it doesn't matter her spouse's income. Personally I'm going through this now. Each situation is different so don't make a general blanket statement. Sometimes people are the breadwinners, need help with medical out of pocket costs, etc and can't live solely on the other income. If someone worked all their life and become disabled it doesn't matter for household income for SSDI. SSI it does. People have paid into this system sometimes for decades so it's not all about a "marriage thing".
@@jenniferannfox2316 I'm not making a blanket statement. I'm simply saying I found some of these comments odd. I don't recall her saying which she qualified for so I didnt assume which it was. I'm just surprised that so many people seem to find it odd that a spouse income can affect some assistance.
@@tahajidedes5567 I can see that too but you would be surprised how many spouses don't support them enough either intentionally or unintentionally and they still need help. Many don't even have access to household income.
@@jenniferannfox2316 oh I know. I worked in public assistance for yrs and even elderly people would be going into nursing homes and when asked if they wanted to set aside some of their income for their spouse they would often say no. Like how do you say no that's their problem and you've been married 30 or more yrs. And don't get me started about the men who wanted to know why I was asking about their income when the live in gf asked for assistance for their mutual kids. I often had to tell them their income counts cause it's their one of their parents. Smh.
Bless this lady. She sounds so strong and determined. Wish she could get some help from disability. It’s awful that so many people scam the system, but then she can’t get help for legitimate disability.
That's not why she cant get help. Fraud is less than 10%. But conservatives use it as a way to create means tests that intentionally limits folks ability to benefit.
Daisy where I live there are people that apply for disability benefits when in actuality they are not deemed disabled.
@@ineedhoez It's easy to say that fraud is less than 10% when you never look for fraud in the first place. Same with voting fraud. Only the most inept mess it up so badly that they're caught.
ineedhoez why? Because they want people to die? Think boy. Because fraud
ugh I know. so many people milk the system
This lady got straight to the point, no playing around. And makes sense. God bless her!
One of best calls EVER!!!😍
This woman is completely lying. She makes absolutely no sense. Her receiving SSI or SSD has nothing to do with her husband's income. He don't even make that much money. She applied for disability. She didn't apply for welfare. Nobody stays completely broke for 31 years. She wants us to believe she's only got 70 bucks to buy food for the entire month ? Yet, they're paying over 300 bucks on a car payment and 200 bucks on gas every month ? She wants to work and clean houses 🏘️🏡 ? But, she said she's blind and has MS. So let me understand her (illogical logic). She can't see and she can't really move around. But, she's gonna go clean somebody's house ? Make that make (a tiny bit) of sense.
She seems perfect for online customer support. Like through Teleworks and similar programs, if her area has broadband. She has the personality for it.
She cant see though
@@JohnDoe-gc1kt she's legally blind, not completely blind. If she can clean houses she can use a computer screen with large text settings enabled
Genuine sympathy for this lady. Blind and MS.
John Donne me too. Sounds like she worked hard her life when she could... She sounds so down right now. I wish her the best:)
what is MS???
@@Kimun888 Multiple Sclerosis (it's a debilitating disease)
Sen basically what happens with multiple sclerosis is people get lesions (like scar tissue) in their brain and spinal cord. It can affect the ability to walk, talk, think, and many other horrible things. It can be so debilitating that some people become paralyzed by it and have to use wheelchairs or are completely bedbound. Fortunately many people don’t get that severe form of it but many do.
If she were disabled she would get Social Security Disability Insurance which is paid regardless of a spouse's earnings. If she were blind in both eyes (visual acuity of 20/200 or worse) she would qualify for SSDI.
It’s sad when a person has worked all his/her life and can’t get disability benefits, yet others who’ve never worked a day can get those benefits😕
I was just thinking- here is this woman with tangible, serious disabilities and she's itching to work. Meanwhile, we have a country full of BUMS whose only 'work' is keeping up the charade of their 'invisible' disability so they can sit on their rumps and steal from the taxpayers with our government's blessing. (NOTE- I am fully aware there are REAL invisible disabilities, I am not in any way implying they are not real, simply pointing out the large number of folks who put so much energy into bilking the system by pretending to have one instead of supporting themselves in a legit manner)
True and It sucks .
Ida Dee something wrong with the system. You would think they can figure this out with their six figure salaries and smarts🤔
Soon we will reach a point where those who have been getting a free ride will meet a harsh reality because they can’t keep this up forever!
Leeches of society just like those women who squatted in an Oakland home, collecting and living off welfare because theyre too lazy (and too ghetto) to find work..
Hi Dave from England. I just lost my job and come across your videos and have help me greatly in the past few days. Thank you very much.
Hi dave I watch this as well,the same thing works here too,I just change $ to £,some of it is shocking the debts,good advice 🙂👍
600 a month on groceries?! That’s not beans and rice 😂😂
600 a month in groceries is about 150 a week. That's not a lot of money. They need to sell their car.
@@pants8029 they can cut that in half to $75 a week if they shop smart and meal prep. They must be buying soda for their son and not meal prepping.
For just the 2 of them, groceries should be $400 per month, tops, in their situation.
Pants Na that’s their stomach calling the shot
Step Baby #1 Beans & Rice
Step Baby #2 Rice & Beans
His most calm and compassionate response (in his voice) to a caller I've heard in a while 😂. Way to go Dave!
I'm blind as well, and I used to have disability. I became ineligible when I went back to work and could sustain a job NOT because my husband had a job and earned a salary. Social Security Disability is based on an individual's earned income - i.e. her husband's income would NOT affect this lady's eligibility for disability. If someone is telling her otherwise, she needs to appeal that decision.
How were you able to go about on youtube, click on the video and hit the comment section and type if you’re blind?
@@ErrorPagenotFound-ig1cy There are plenty of assistive aids that allow blind people to use computers.
Good to know bc that is awful.
Eddie Wow maybe only partially blind? Or blind in one eye and horrible vision in the next? Might be different levels of blindness.
This is what I was thinking. For SSDI, a spouse’s income only affects whether or not the disability benefits will be taxable income. It should not affect the person’s ability to get the benefits in the first place. I really hope she can appeal the decision.
Love her! She’s got fire-no doubt she could do it
Except that she is scamming disability if she is capable of working. She is the one who says she is capable of working.
Car payment brings down insurance as well that's almost 500 a month free. That changes everything in their world 500 pays things down and frees up stuff.
...wait - even a hoopty would have some insurance to pay for - right?
I don't get it, how can your car insurance be $500 a month, I pay £340 per year for my insurance for an old Ford Mondeo - fully comprehensive insurance?
@@gtolose i think hes referring to car payment plus insurance
@@gtolose 362 car payment and 190 car insurance that for old people liability should be 50 on a cheap car
3:38 - Student loan $95,000?! Yikes! I wonder how much of that is accrued interest. Paid off house is a BIG step in the right direction.
bob marker yea they sure skated over that part
This is the comment I was looking for. Jesus.
To make $35K per year.
Unbelievable. What do people think is beyond me.
Well, it’s a done deal, so why hash it over. University bachelors degrees are expensive, even at state universities it’s $60,000 for 4 years now. The proof that the degrees are not really paying off, which I know for a fact they aren’t. I was in backend finance managing communications for a 3rd party vendor for all major U.S. banks credit cards. The education debt is real,most of the jobs being created are the level of dung, like school teacher level that needs a part-time job on top. And the majority of jobs now are part-time 30 hours for businesses to avoid paying benefits. A bachelors in biology gets you a $15-$20 an hour lab tech job, bachelors in computer programming gets you nothing, because all the finance controlled businesses use a 3rd party vendor who ships in H1B workers from India as independent contractors for $10 an hour no benefits. That’s how America rolls through lobbyists.
After hearing this call..... I wish there was a way to donate money to the caller. This is exactly the type of person I like to help. Taking responsibility and willing to work in spite of some physical challenges. Miss, if you’re reading this, you have my respect and admiration.
I think she said also $600 in food get the food budget down with getting rid of the car payment that would definitely help
The grocery is the biggest bill. Not sure where they are shopping for food but there are tons of ways to cut back. At least they are tracking it because most people have no clue what they spend
I do feel bad for them but once she said $600 for food...they can easily cut that to 200-300. I am a family of 3 and we don't spend that much on food. Also maybe cut out cable and lane line. Just live with internet with cheap prepaid cell phones. Sell the car of course and buy used car with cash. Etc... etc...They will be fine. But too bad about the student loans tho. That sucks.
Idk much about MS but maybe she has some dietary restrictions due to her health problems? If so, that can make it a LOT more expensive to shop
Bless this lovely lady! The cost of living is so high even if your making good money that takes most of it. I wish her and her family all the best.
I hope Dave helps her. She sounds so sweet. Prayers that they succeed xoxoxo
I love that she wants to help out!!
$600 a month for 2 older people to spend on groceries? To me that is outrageous!
That is alot. I used to spend 120 while in college. I ate vegetables and meat. That was it.
I think the point about them being older was related to the fact that for the most part older people who don't have to worry about feeding kids and whose metabolism is not what it was when they were in their twenties are going to need less per meal.
But even for two younger people $600 a month for groceries is way high.
That is a huge amount to spend on groceries! That's one of the first things people should try to cut down on when they're having money issues.
Jeez I spend about $350 a month on groceries for myself... definitely gonna have to look a better budget
@@Esteban-MK64 I'm just curious how are you spending that a month? because eating healthy is more expensive especially the meat and produce where I live and even more if you have a special diet or food allergy.
Food can be cut in half - need to meal plan and budget. Also look at pantry items and see what you can cook from there to cut costs.
You can cut electricity by keeping lights off when not needed and unplugging appliances besides stove and fridge everytime they aren't in use.
Phone bill, if you have a cell phone, homep phone may not be necessary.
Car, get rid of it.
Doing that will give you the 500/month right there to save or apply to your debt.
@Van Isle Vlogs they live in the middle of nowhere. They can't spend every day going to shop for groceries. But yes, cooking from scratch and from their pantry first would save a lot.
95,000 in student loans for a 50-something year old. Good Lord. You did something horribly wrong.
I wish her all THE BEST
What a strong and brave soul this lady is... She obviously is the good wife that Bible talks about!!!
Bless this lady!
Prayers for this couple. Breaks my heart that she wants to help out and can't. She should get disability if anyone does.
God bless these people
This lady is blind, yet so organized. Bless this family 🙏🏽
Sad to hear her story and here is what I feel.
I think the utility and food bill is very high. No need to clean houses when you can find online jobs like customer care, teaching etc. my wife’s best friend teaches English to some Chinese kids online and makes about 15-20 bucks an hour.
Much better option will be sell the house and move into a condo in a big town. Much better job opportunities for the husband and condo bills will be much lower than the house. Sell the car of course.
I teach English online to Chinese students. You need a bachelors degree and experience working with children. The hiring process is extensive and requires energy and skill. It’s not an easy gig for her to just jump into and she will not be able to do it without a bachelors degree at a minimum.
C W Nothing is easy, getting a job is hard when unemployed but we have to start searching. The person I know is not even born is US and her English is decent but nowhere fluent as the caller. I was just throwing ideas. Virtual assistant, customer care rep etc jobs are also options.
How can she clean when she is legally blind? I mean she can try, but honestly, how good can you clean if you can't see what you are doing? That's great that she wants to clean to make some money, but you have to be realistic also....
They own their house and owed minimal taxes, so getting a condo with HOA fees would not necessarily help them at all.
Get rid of that $600 grocery list to a $400. So $200 times 12 would be $2,400 for the year instead of $13 left per month.
$600 for groceries... for 2 people? Cut that in half & you could still eat good! & get some LED lights, your light bill is too high!
I gotta say this current education system has rick-rolled so many people financially..
People have gotten degrees that don't make money, like this guy...he didn't even finish, gone to schools they couldn't afford, not taken advantage of scholarships, haven't worked instead of getting loans🤦🏽♀️
They do in fact deny SSI if your spouse makes too much money. Happens to my mom and stepdad all the time. Whenever she works overtime He loses benefits
God bless her. She's the most responsible person I've heard calling in.
"we enable each other" what a heart 💓
MS symptoms can be mitigated by using the Wahls protocol. Maybe she could follow that diet as close as her budget would allow. I was able to listen to the Wahl’s protocol book free through my Library and the Hoopla app.
$600 is a lot on food. I think. For 2 ppl?
$95K in student debt for a degree he didn't finish? "He has vision but no endurance"? Really?
Sherry Ellesson Agreed. Having your wagon hitched to someone with no financial acumen sounds terrifying.
600$ for groceries a month is a little much , anyone else think so?
For 2 people, a month, I don't think so. It's about $10 per day per person. Can you eat under $10 a day?
No. That's $138 per week. 600 per month x 12 months= 7,200 per year. Divide that by 52 weeks per year and you get $138.46 per week. That's pretty reasonable.
For two people? They might be including eating out or something or getting all those ready made meals rather than making things from scratch and making large batches and freezing them. A family of 5-6 yes but not two people.
@@KEP1983 you must eat well, I eat on about 15$ a week
Food is expensive in some places. They do live in the middle of nowhere.
MR Ramsey : you say to people once they off there debit there are weird people, then I must be really weird because I listened to my dad because I have never been in debt and plan to stay that way. George from NJ
Several monthly expenditures here could stand closer scrutiny. $300 mo for electricity is a lot of electricity.
Two cellphones at $90 mo could possibly be pared down to $40-$70. Auto & home insurance of $192 & $174 sounds way high. Food at $600 sounds like a candidate to cut too. Not enough information to get down to the real nitty gritty, but I'd work at paring down each category and squeezing out every possible savings.
Why are mobile so expensive in the US. In the UK I pay £6 per month for unlimited minutes unlimited texts, of course I buy my own phone and data is only 500Mb but even so, your cars and comms cost loads.
@@gtolose I can't offer more than generalities. Every marketplace is priced at all the traffic will bear. Prices are higher in more prosperous countries and lower in less prosperous. We have cellphone plans that are similar to yours and are currently in the $15-$25 range. I'm not conscious of the US car market, but I assume there are at least a few new cars still available under $20K.
When she discusses their phone payment, they probably have an unlimited data plan and are financing both phones. They could easily halve their phone bill. And yes, the cheapest new cars in the US, at least in my region, are in the 15k range. What caller is paying/month is in the range of an average mid-size sedan.
@@gtolose Contract mobiles phones tend to be high in the U.S., especially when people get talked into buying an expensive phone that they finance as well. Personally, I have a prepaid phone (Tracfone) and only spend about $10 a month on it. The phone itself was around $100 and I've had it several years already. If she's doing $90 for 2 phones (unclear if that was per line or both), then she may have a prepaid as well. There are $45 unlimited prepaid phone plans. Those aren't too bad by U.S. standards.
I'm just in shock! Her Doctor's can assist her with disability paperwork.
Yes, because she's blind.
Best advise to financial success:
*Income (Passive & Active) > Spendings*
I'm kind of surprised he didn't tell them to sell the house and move closer to where he works. That gas payment and tolls were pretty high for the income.
“My husband has the vision but not the endurance, and I have the endurance but not the vision” 😂 I love her
Shop smart when going to grocery. Avoid local groceries. Try going to Sam’s and Costco to buy in large quantity and meal prep. A case of 40 pounds of white meat chicken at Sam’s club is around $60-70. Pork shoulders is $1.78 per pounds and buy around 40 pounds. Jasmine rice bag is $25 per 50 pounds. Add your veggies and fruits. A family of 4 can spend like $300 per month to feed the whole family.
I pray that god can ease this lady’s situation.
They need to not be overdrawing at the end of each month... that can cost a LOT.
Just curing the overdrafts will make a difference.
$35 free from your bank and another $30 from the store where you wrote the bad check... $65 a check that you write after you are out of money.
If you have overdraft protection you still pay the bank overdraft fee.
And people who do overdrafts try to do it small, hoping the bank will let it slide which means they write a few overdrafts. Maybe $350 in fees a month.
Its as bad as or worse than a payday loan, which is a hole you never can dig your way out of.
>
I know a couple of people who live on overdrafts... and I can't convince them that they are shooting themselves in the foot.
Dave is so right start pay with cash. When you pay with cash it makes you more responsible
Sell the house and get a nice apt. in the town. Get jobs there like you said.
They already have the house free and clear. Just taxes, water. Electric, etc. What they need to do is get rid of the car and lower their groceries spending or use coupons if she wants to learn something. But if they do move than yeah consider selling the house if they aren't able to rent it out while living closer to their son.
@@CGU123-k9r Her utilities are sky high. Probably way too much house for them.
Terrible idea when they own the home outright and have low taxes on it. Owing rent again would be an additional burden in the budget. Sell the car, not the house.
@@larrybud It may just be that their heat runs off of the electricity, which means that bill looks high.
They need to cut down the grocery bill, which is exorbitant for 2 people, and get a different vehicle. If that doesn't help them enough they need to move. Been there, done that. I think that Dave missed the boat on this one! Prayers for them to get out of this bind.
He's rich so a bit blind about our level.
cellphones- go to prepaid minutes instead of the plan you have
utilities- minimize use as much as possible
car- probably needs to go but may not be a quick or easy to get rid of
How about we cut down on the 150 dollar a week grocery bill. My guess is they are fast food junkies.
$300 for monthly electric bill, for just 2 people?!?! Is that right? That sounds insanely high!!!!
You are right and she is blind and does not need lights lol
Tony B this made me laugh harder than it should have
In some areas all appliances are electric as well as heat. It's expensive.
600 sounds a little high for groceries. For just me I spend about $200.
$600 in food! $200 car insurance! $200 gas! $364 car payment. Need a cheaper car with better fuel mileage and cut down on the food budget. I see $700 in savings right there.
He must commute a long way. Think she said she's too far out of town to qualify for a driver :(
I don't see how they got to $200/month for insurance on one car. Maybe they have no deductible? That will raise the premium quick.
I’m just gobsmacked at $500 a month for energy. My gas & electric in the uk is £80 - £100 combined. I can’t believe how much you guys pay.
I thought she said $300, but that is still way too high, even by US standards.
She doesn't need life insurance - she has no income.
It's probably a small policy. It will help him pay funeral expenses when she goes.
$600 a month for groceries seems kind of high. We budget $400 ($200 every 2 weeks) we have plenty and able to buy extras that are on sale
Well you don’t need internet and cable. And utilities are way to hi? I live in a big house with my family .my electric runs around 170 mo and water 75 mo .total about 240 to 250 mo. listed to her 500 to 600 ranges, I drive a 20 year all car paid for .
theguy12322
Internet is becoming more of a necessity nowadays in the home.
For me anyway.
Heck you don’t really need a car if you have internet access in some cases especially when retired.
Am I the only one who thinks 600/month for food is excessive? I'm single, and my budget is less that 25% of that.
Same thought.
Your budget for food is less than 150 a month...? I'm single and I spend anywhere from 260-350 on food. I buy actual vegetables and such to cook every day though. 150 a month is 37.50 a week... or 5 dollars a day, that seems low to me.
$600/month in groceries? You're over eating and spending on Brand name items
Two problems with the states.
No support for those who needs. $90k for a student loan is way to much. If she would live in Europe her financial problems would have been solved.
The average American has it so much tougher than the average European.
That is one heck of an electric bill.
You can totally get that bill down with $30 electric space heaters from Walmart used in rooms you are in, wearing layers of wool clothing (ditch using the whole house furnace and AC), in the summer pretend you are in 1950, do all activities early morning, super light clothes, a fan, a cold bath, lazy afternoons in a cheap backyard kids pool in the shade & some Koolaid.
Also, live by the sun (like our bodies are meant to, sleep when the sun goes down, get up with the sun. Bye Bye lights!
We need to retrain our brains to be less entertained. Healthier all the way around!
Reduce homeowners and car insurance and cable. Every single line item needs to be reduced.
Do some small online stuff like swagbucks sign up for MS surveys.
Hope they make it. Sounds like good people that just want to get ahead and breathe
I’m listening to this lady’s sad story right after listening to the “I make $12k a month and just won the lottery” lady, and I am very angry at the unfairness of it all.
What was it that gave you the understanding that life is fair?
Cleaning houses but blind 🤔????
I’m guessing those houses won’t look clean by the time she’s done cleaning them
"legally blind".
How is she gonna clean houses though? I thought she said she was blind? And has MS?
She said legally blind which usually means can see but very poorly. I've known 2 legally blind people. Neither could drive but one ride a bicycle and both could read but only with the paper very close to their faces. One worked an outside job. One saw people and items as grey shadows. MS varies. Some are worse off than others so it just depends on how bad her symptoms are.
On Master Chef a lady named Christine was legally blind but was able to compete in cooking, win, and open up her own restaurant. I don't doubt what blind people are capable of.
I love this woman
She needs to move ...she could cut down on groceries
I don't understand how they are paying 600 for groceries for 2 people
@@tahajidedes5567 that may include household supplies as well. Soap, paper products, etc. Not just food?
@@tahajidedes5567 The only way it makes sense to me is if they both, say, smoke and drink a lot and cigarettes and alcohol are included in the "grocery" budget
jo jo 600 a month is a ton
Smoking soda and drinking cigarettes.
Great topic. I posted a video on my channel about all the 11 expenses I cut to save over $1700 in Monthly expenses so I could keep my house when I went through a divorce. Prayers for this family🙏🏾💓
@@Reidbit thanks for your comment. My goal is to help people. Feel free to watch some of my videos. You will see that I'm always trying to help people make better decisions in their finances and their health and also within their thoughts and emotions. Thanks again and have a very blessed Sunday.🙏🏾💓
Tiffany Chanell
Subbed to your channel, you've got great hair and a great message.
@@GardenerEarthGuy thank you so much for subscribing and for the compliments 💓💓
Ubi and universal Healthcare would be life changing
I live in Canada. Is $300 a month for hydro high? Sounds like a lot
I am in Toronto and pay about $130 a month
It is extremely high, especially since when you consider she lives in Virginia which doesn't have terribly severe winters.
That’s normal in America.
@@hellokitty8552 No, it's not. "According to the U.S. Energy Information Admin., the average monthly residential electric bill . . . was $111.67 in 2017."
@@stevee8318 It's definitely 6x what I pay for my electricity on my 2 bedroom ranch , but I'm wondering if their heat runs off of the electricty.
No one mentioned the $600/month in GROCERIES for two people! Trimming that grocery bill and selling the car would definitely help. I certainly wish them the best!
$100,000 in student loan debt at 55 with nothing to show for it!? I’d slap him so hard his dead great grandma would feel it. How absolutely irresponsible!
Did she say $600 a month for food??? That's insane for 2 people... Like, does she eat filet mignon every night hahahaaha
Probably a lot of convenience food. It could be cut down, I think. Of course, we don't know how disabled she is, which may make meal preparation a lot harder. It sounds like the husband has to drive a bit to get to his job ... $70 in tolls.
His gross income is probably around 60-65k a year. All those deductions kill your income. My gross pay is just shy of 70k which I wouldn't call "low" and my paycheck for two weeks is only $1636 after taxes and deductions. But my gross income is $2632 every two weeks. Thats $1000 going to taxes and benefits. It's crazy..
A blind woman with MS to clean houses because she can get no assistance. Bless her heart. Makes me so so sad. 😞
First caller legally blind, she then goes on to say she clean houses so without being unkind to this lady how would you clean properties you don't know your way round. I am not say people who are blind don't clean because they do but it's their home they have a sence of where everything is
BEACH BASS yea I didn’t get that either
i listen to daves podcast, and at 28 am trying to get my life in order for financial freedom, i won't be following the babysteps anytime soon, but i just sold my beautiful harley davidson that was costing me 540 bucks a month, now i can pay off my other few grand in debt and i'll be debt free, then its onto saving and investing!! looking forward to being free of debt.
Crazy payment on just a motorcycle. Congratulations on getting a head start. In 5 or 10 years you'll be able to buy one with cash and feel good about it.
$364 car (That has to go.), $300 electric (Is their heat run off of electricity?), $600 grocery (This seems very high for 3 people.).
How Can she clean houses if she is legally blind and has MS? I Think thats a little unrealistic- maybe she could do some kind of “on the phone” job?
She is likely in an early stage of MS and though legally blind, probably has reasonable vision for cleaning.
Is a Tesla Model 3 a good car to buy?
But I would also like to wait for the Tesla Cybertruck.
No, go with Honda Accord
yes
🤨
You should never consider the purchase of a car an investment considering almost all of them depreciate. With that being said buy a Toyota.
A vehicle is never an investment unless it has collector value like the cars rolling through Mecum car auction lol
I wish them the best
If she starts a go fund me page i am sure many will step up to help her and her husband ....
When she start reads the list out that's when I realize she is in a real mess
At least living here in the UK there no medical fees everything is free from local doctor to hospital operations.
It's not "free", doctors and hospitals don't run on free. It's called taxes!
@@jayh40515 you pay taxes in other countries and still pay for medical care so it is Free!!!
the car would take care of a bunch since her car insurance is high. $2300 a year for a single car? I'd also move. Her gas and electric are sky high for 2 people. Sounds like too big of a house, and too much car. Agree $600 is a lot for groceries.
Bless her heart but she can’t clean houses with MS for long. She’s going to relapse and each time it will get worse. Online data entry or transcription sounds more something she can do.
N B Initially I thought the same, then remembered a friend who has MS that only manifests as ocasional, temporary optic neuritis and is otherwise fine. I was thinking a UA-cam channel covering her conditions might generate revenue if she can see well enough to manage this.
How can she do online stuff being legally blind.
@@bookmagicroe9553 MS can cause problems with vision. An ex-colleague was diagnosed with MS because of the bizarre issues she had with her eyesight. No other health issues. It's very real and causes her a great deal of distress, especially because of the kind of work she does. Now I work with a genius tech who also suffers from MS. It affects his whole body at times. He retains a first class sense of humour, and refers to his disability permits and parking spaces as his 'gimp badge and rights'. I've become so indoctrinated into his cult humour I laugh until I cry at times, and try hard to not refer to it that way in public because others would think I was being disrespectful :-o
Pay cash no credit. With card and grocery change gets you about $200.00
Wait do not move from a paid for house. The husband needs to sell the car and bring in more money. She could do transcription online but the idea that she would have to clean houses while blind and having ms to pay off his student loan and car is ridiculous. That husband should go to financial peace university with her. He seems to be the variable.
This lady may qualify for SSDI provided her husband has worked long enough to qualify for benefits. SDI is based on income levels. I would certainly advise her to contact the social security department. She may also qualify for Medi-cal if she lived in California
things that stick out to me is a 300.00 electric bill And a 200 gas bill. for a house thats worth 200 thousand that seems odd. i would understand if the heat and water were electric. But when you say the gas is 200 a month that makes no sense
Gas for car not house?
That's a MASSIVE grocery bill !
There’s always a way to make ends meet..
You just have to think
Yeah, like crime?
@@marieabner lol I'd never suggest that!
@@marieabner lol!! 😂
Why did he call that a 'very low income'? I make $2,600/month and pay a monthly rent. I'm doing just fine.
I feel like because some areas have such inflated incomes, it makes it sound like those of us in lower cost of living areas sound poor because our salaries match the less expensive lifestyle. I'm a teacher and make about what you do once you add in stipends and a summer job. It's not luxurious, but I wouldn't call it "very low income" either. To me, that's people surviving below $2k a month.
U can do it!
Perfect advice, except the car may be upside down, take it to Carmax. If it’s close sell it. Can’t beat a well taken care of old Toyota Corolla or Camry. The choice of car for college students. They need to find a way not to finance cars, it’s a death knell in this crappy economy. Also, get that electric bill down, $30 electric space heaters from Walmart, just in rooms used, will lower your bill, unplug everything you can, wear heavy wool in the house, in the summer, sweat it out or take a cold bath. Your goal is to cut electric bill to $150 a month. Go camping “at home” for your meals when you are able to save on electricity. No cook meals saves a lot. Turn down water heater. Just the $150 savings in electricity and maybe $10 savings in water use could free up $1,800 a year, that’s your breathing room, in case the car situation is not workable. But remember, no new cars, stick to super reliable Toyota really old early 2000’s Corolla or Camry . If you can fit in to a Toyota Prius C (a fitness routine and diet will save money and your health), a Used Prius C, say 2015-2018, gets 50 miles to the gallon, that feels great, too. Never buy a a used car without a clean 1-2 owner Carfax no wrecks, and pristine maintenance history, not passed around through dealers, make sure no water damage and Toyota’s can be over 100,000 miles, if they had the big 100,000 mile maintenance flushes, hoses, belts, brakes, new tires done. Best of luck!
why is groceries $600 a month?
Some of these comments seem so..odd. lots of people saying it's a shame the government isn't helping her. She said she was getting a check until her husband started making more money. That's how those things are supposed to work. That's how being married works. You are a unit together. I shouldn't be able to marry a millionaire and then go to the government and say help me cause I don't work. (And yes I realize these people aren't millionaires. It's just an example)
she qualifies for SSDI but not SSI. SSDI definitely would help her and it doesn't matter her spouse's income. Personally I'm going through this now. Each situation is different so don't make a general blanket statement. Sometimes people are the breadwinners, need help with medical out of pocket costs, etc and can't live solely on the other income. If someone worked all their life and become disabled it doesn't matter for household income for SSDI. SSI it does. People have paid into this system sometimes for decades so it's not all about a "marriage thing".
@@jenniferannfox2316 I'm not making a blanket statement. I'm simply saying I found some of these comments odd. I don't recall her saying which she qualified for so I didnt assume which it was. I'm just surprised that so many people seem to find it odd that a spouse income can affect some assistance.
@@tahajidedes5567 I can see that too but you would be surprised how many spouses don't support them enough either intentionally or unintentionally and they still need help. Many don't even have access to household income.
@@jenniferannfox2316 oh I know. I worked in public assistance for yrs and even elderly people would be going into nursing homes and when asked if they wanted to set aside some of their income for their spouse they would often say no. Like how do you say no that's their problem and you've been married 30 or more yrs. And don't get me started about the men who wanted to know why I was asking about their income when the live in gf asked for assistance for their mutual kids. I often had to tell them their income counts cause it's their one of their parents. Smh.