$182,000 In Debt and Behind On My Bills!
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- Опубліковано 9 січ 2025
- $182,000 In Debt and Behind On My Bills!
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I feel sorry for this family, she sounds strong, but she's got a full plate. Sincerely hope they breakthrough this!
Sadly they'll probably end up filing for bankruptcy in the end the way their two daughters medical expenses keep piling up.
My heart goes out to them. I'm rooting for them.
Don't feel sorry, they did it to themselves. No one forced them to go into debt
@@nealkelly9757 how do you figure that? There are 2 special needs kids who have to go to doctors and physical therapy every week? If you were in their shoes I'm almost sure you would be calling for advice as well.
Why play the blame game in this situation?
@@nealkelly9757 Probably should of stopped having kids.
Any type of health issues with children is extremely difficult to handle. I gave her so much credit. She is a strong woman.
going2sleep plus the husband getting a second job. Sounds like they’re really trying
It's true, there's always someone going through something worse than you. I have no reason to complain about the little debt I have.
I feel the same way 💯💯
couldn't saying better man
Samee 💯
Better pay it off else it will grow to something bigger and you might end up being like the woman talking in the video
Amen!🙏🏿🙌🏿
Heart goes out to this family, their life is very full. They’re going to fight their way out of this.
Casey Burns Investing this lady is a super woman. I agree if they keep plugging away things will start to turn around for them
After listening to dave for two months once every morning. I broke up with a ex wasn't working out, she thought I should help her pay her debt in cards ect. I now have surplus of ten grand.granted I took on two full time jobs. Each pretty good jobs. Thanks dave you basically saved me
Making 15-20k a year with a masters... I’m speechless.
Yeah, thats about minimum wage. I know bartenders making more than double his $20k a year.
That's what happens when you don't major in a STEM field and then double down on your worthless degree.
He got a 2nd job? Sounds like he needs a new 1st job!
She married the wrong guy for sure. They are condemned to poverty
Just because a degree isn’t in the STEM field doesn’t mean it’s not important. Get off your high horse about STEM majors being the most important and disregarding other important degrees because you think you’re better than people who don’t go into the STEM field.
OMG. Those poor children. God, please hold these children and this family in your hand.
I think she was probably being kind by saying he worked “in finance”. Most likely a part-time bank teller or something similar only making $20k a year. Hopefully he can put that masters to work!
sounds like Amway.
My heart goes out to them. That has to be tough.
Usually i’d be throwing 💩 at the caller but they are a hard working couple with very extreme cases of misfortunes.. hope they pull through.
Why aren’t those girls on Medicaid or Medicare? And they should be getting SSI for both of them and the father could get HSSI and get paid to take care of them.
I don’t get the impression Dad’s working too hard if he’s only making $20k…
Wow you’re an amazing mom ! I pray Gods peace over your family and wisdom and strategy to be debt free!
Whew $150k in student loans JUST to make $70k combined??? When are we going to start student debt reform?? That literally makes no sense.
@@WOWster007 Why would taxpayers pay for anything?? When I said student debt reform it was referring to not allowing the government to offer 18 year old thousands of dollars of loans. It is only because of that why tuition can climb so high. If these banks actually had to lose money they would definitely not give these kids loans and tuition couldn't get as astronomical because people wouldn't be able to afford it.
The Cash Compass agree 100%, I think what he was referring to is the fact that the loans are federally insured
@@brandonhunter3166 ahh okay that makes sense. Yeah.. federally insured a.k.a. random citizens who have nothing to do with this lol. It's really crazy!!
I don't think debt reform is the answer. People have to think about the majors they take. Stop going to the big schools and go to a Community College or HBCU.
@@delanocooley6364 But I heard from someone the line...they will miss out on the college experience ha
I disagree with Dave’s comment they “ have plenty of money”. Three kids two with medical issues on 70k is not enough income. I wish them the best but the father needs a better job. Good luck to them.
Derrick McLean lol
Because the mom is likely also doing the child's medical runaround along with full time teaching. Doesn't sound like they are paying someone else to do it and her husband would probably have an easier time with working and more career mobility.
Just for clarity, Id say the opposite if he were the one working and running for the kids medical needs.
Franklin Hunt-Gonzalez thanks for clearing that up for him.
I think 70K is their takehome pay? Wow .. these medical bills just make me shake my head, this poor family .. they are going through enough and then have to PAY to go to a doctor?!!? .. P.S. Yes, I am Canadian .. we pay for optical,dentist, foot docs, chiro, while reg family doctor and specialists are mostly covered
@@SundaysChild1966 they didn't say take home dumby
Rachael, please know your family is in my prayers 🙏
I almost started complaining about my situation.... God bless this family. I was kicked in the head with this womans life story in recognition that my life has been blessed.
If he got a masters in a useful field he doesn't need a second minimum wage job. He needs to find a BETTER job.
A masters in HR he should be making at least 70K by himself starting. Within a few years, 100-120K
Can't even imagine what this family goes through. God bless. I'm so sorry for what they're going through.. life definitely isn't fair sometimes.
Good luck. I may be a negative Nancy, but she explained so much about how much she goes through for the kids/medical needs. But they owe 180k and 150k is THEIR SCHOOL MESS.
Dave. Can you please tell us your thoughts on Medicare for All. These folks aren't freeloaders. These stories are heartbreaking.
I agree! this family is REALLY trying to make it with work and effort, it's insane we pay premiums and STILL have to pay a copay INSANE!
MIGHT be making too much to qualify?
It's not just dave. All the people with an R after their name believe that Medicare is freeloading. Never mind we all pay into medicare with every single paycheck.
Agreed. I fear Dave will call it "socialism" and "unfair to wealthy people". In reality Christians (who claim they care about helping people) should be the biggest supporters of Medicare for All. EVERYONE gets comprehensive care for LESS MONEY.
Yang wants to rewrite the rules for the 21st century that will work for all of us. Freedom dividend and Medicare for all.
This woman is so so strong and the backbone of this family. Just make it a little bit further mama. You got this.
Oh my. God, please help this family and especially those children
"a lot of medical bills" in the debt.... Yet there is 150k student loans which only leaves 34k.... I think you're putting way more weight on the "medical debt" than you should.
I feel so bad for this family. They are going through alot
I’ll pray for her beautiful daughters health. 🙏
I know someone who has a masters in HR she makes 90k a year. He needs to find a better job.
The epitome of a proverbs 31 woman. You can feel her strength through the call. They'll make it. Guy has a good wife behind him
yup
There is no reason, that in a country as wealthy as this country is, any family should have to go into debt to to take care of their children’s healthcare needs.
What a sweet lady. Struggling to stay above water.. sacrifices everything for her children. G-d bless her
God help those poor parents .... it's so hard to raise a family, never mind having chronic medical problems needing recurring bills. I cannot imagine how difficult and stressful that would be. I'm praying for them.
This call is exactly why we need Medicare For All
Know your partners family medical history. If you're at risk for serious illnesses think twice about bringing kids into this.
I feel for this family. They have too much going on.
I'm shocked no one has cut your throat on this. People are so sensitive. I agree with you 100%. Kids are a blessing, but when this stuff happens, it becomes a nightmare.
@@dt93 it was the first thing that came to mind. I wish them the best.
Yes because her children’s illnesses have to be hereditary.
So many of these congenital heart diseases are not hereditary. It’s not as simple as knowing past medical history or genetics. Sometimes it’s just random.
EXACTLY, everyone should get a genetic test at least once. Plus genetic engineering is available for those who want biological kids but have a bad medical history.
I’ve been there not that high in total debt but definitely behind. Getting on track helps and following a budget helps! Staying accountable and getting through baby step 1 is a huge step.
Poor thing. God be with u. ❤️
He needs to make more money! What is he doing? Good grief! With a Human Resources and Financing degree/masters, he should be making at least 75k.
I wish I have money and can help this family. Well I’ll pray for your kids and I believe prayer is greater than money 🙏
I agree .. it's families like THIS that need someone to slip an envelope of cash under their door .. but, in the meantime .. we can wish them well and pray for healing
Amen 🙏
If the family checks the comments please evaluate your health insurance plan next year very carefully. a consumer driven health plan could help out. Especially since you already know your medical costs. Best of luck 💙
Only $182,000 in debt?!?! Amateurs!!!
GOD bless this family!
So how effective are these specialist appointments? Going to the hospital for a blood pressure? There's a ton of waste in medical. Sit with the doctors and have a heart to heart.
K Roddy the doctors keep having them come back to ring the till and cover their own butts. I’d seek alternative care. It’s not working. We keep going to doctors and don’t get better. Overpriced system.
Their situation with the sick children is sad. But the parents are seriously underearning for the amount of education they have and are still paying for.
Everytime I watch one of these videos people downplay the decisions others make to go to college. Since when did educating yourself become a bad thing? Doing all of the research in the world doesn't prepare you for life. Things happen the economy goes bust, your health takes a turn for the worse. The person you were madly in love with is now your ex. THINGS HAPPEN PEOPLE. It's the time of the STEM related job market BOOM. We get it. But don't make people feel bad for the educational choices they make. And before you ask, Yes I have a 4 year degree and student loan debt. But that was just me investing in myself. And I'm proud of that.
Thank you. Your words are wise😊
Because most of the time these people on the show made the wrong decision. Going into debt for a degree that isn't really promising in the real world is dumb. You can ask any millionaire and he'll tell you that it's a bad idea to get 120k into student debt for lesbian dancing theory.
Love u guys keep 😢😢😢😢 your head up. Things will get better
When i think back, i went to community college and paid tuition by myself. Graduated loan-free. The education loans are strapping people down...
They sound like a lovely ,hard working family I wish them the best 🎊
1. Rent. 2. Utilities. 3. Food. Everything else is secondary. I say send in what you can. Most places will be happy and accept some kind of payment.
God help this family! I hope they're doing better by now.
They only make 70k but they both work?! A masters degree and he only makes 20k a year. 😳 It’s not even worth working for that much.
O boy my thoughts and prayers to this family
HR is a great & very lucrative field.
The house payment of $1300 in Michigan isn't out of line? How is that? I live in Indiana, and $1300 is a chunk to pay for living.
And people in HR could make excellent money. What's the deal? Why isn't he working in that field?
Breaks my heart!!!!
I’m debt free!!!
Carter Breaux
Congratulations
Carter Breaux WOOOO! CELEBRATE (not too much though)
call in to the show!
I only have 7k left cant wait
I celebrate with you!
This is so heart breaking, in the UK we dont have to worry about medical bills , I have had issues with my health in the past and iv never had to be worried because I had the NHS. Makes me sad that the Americans don't have our equivalent.
Wow ... I salute her .. full time job and going to go second job with such a big responsibility of kids ?? And then I hear those ladies cringing about how they want to stay at home mom because they love their children so much.. I am so proud of you lady , you are the best so far I have ever heard on this show
There should be some type of policy that a family like this only has to pay 1 copay or something. (For children 0-18) This is America. We can afford it
We can afford it...who exactly is we? Most people in America don't have 500 in the bank.
Right Mille my grandma
@@Gmenpg Your grandma is free to contribute to any type of state run medical plan such as Medicare or Medicaid. Nobody is stopping you, her or anyone else. Go ahead and pay up if that's what you're demanding other people do.
Gmail. I like the idea of one co-pay for a family plan. It's not free but it is reasonable.
Praying for her family
Yes, I would love to know how they are doing now.
I made a mistake on buying a car on finance (before discovering this channel).
By the end of the lease I will be paying to the bank 30k$
Can I sell the car around 17k$ and invest those money on making the 30k$ ?
I feel bad for this family. I said a little prayer for their fortune to change.
Chapter 7. Just do it and then pay a credit repair guy to remove it after your discharge. It’s a lifesaver. Your credit will be bad for 90 days but after that should jump to mid 600s and you’re now free and clear.
Omgoodness, god bless this family.
I hope they are doing well and I hope they get most of their student loans forgiven.
Wow! I can't imagine to be in her shoes. Best of luck to her.
15-20k working in finance? Sheesh. Nah pops definitely needs that second job.
Could they temporarily change the exemptions on their taxes for a few months to where they're paying in nothing? And pay off credit cards or some smalls bill to get them in better position. I know it's robbing Peter to pay Paul but their taxes aren't due until the following April. They could make serious headway by then. Just a thought, could be a bad idea.
Two kids with health issues that’s all genetics
3rd ones the charm
Chris Atwood not necessarily. Genetics are only about 3-5 per cent. It could also be related to diet before and after pregnancy. Many factorial things contribute to health issues.
She should look into teaching overseas kids English online.
Paying for blood presure check? I don't live in usa. Is this true?
9/10 of their debt is student loan related, and since wife is a school teacher she probably has pretty good health insurance. They are not going bankrupt because of their kids' health issue, but because something like 1/3 of their monthly income is going to pay student loans. And her husband could double his income working in a factory job, he needs to start pulling his weight.
They are on income-based repayment, likely paying very little
I pray that their situation gets better..but for your financial wellbeing do NOT have another baby if they're all coming out with medical issues
I thought of that too. Have 3 kids with possible genetic issues. She should check into Medicaid in her state. That may be of some help.
Praying for this family 🙏🙏🙏
He needs a better job with real insurance.
Why did i feel like Dave was going to say "i'll pay off your house"!
Dave it would be awesome if you upload full episodes on youtube! That would be great
Ruth Getting Things Done he does.
@@sassysandie2865 I need to check again because all I see are short clips.
Ruth Getting Things Done there are many videos from his radio show that are over 2 hours long.
This is why I belive in a basic universal healthcare system
All this is a result of bad decisions and poor planning.
That’s so sad. 150K In loans and he’s making 20k a year... school is a scam
Lol
Not sure what kind of job he actually has, but the income for HR should start at around 50k per year. There must be more to this than what we heard.
Ella Cristina why do you have to go to school to learn how to deal with public relations and customer complaints?
@@blixx87 That's not what someone in HR does :)
Ella Cristina Youre right so, hiring, and training. I don’t think you need to go to school and be in 150k debt for that lol
Bless her heart
Could some one explain to me how a couple with this much dept gets a mortgage. In the UK were I live you can’t get a mortgage with that much dept.
They probably had the mortgage before they had the kids if I had to guess.
You meat debt? It depends on a lot of factors of credit scores, income, bills, etc.
Because the debt to income ratios(which is what all banks use) calculate based on the monthly payment, not the total amount owed. Those student loans are most likely on an income driven repayment plan, which in this case, would show low monthly payments, and would not shoot up red flags for other lenders.
They need better or secondary medical insurance. Seem like a hard working family with a lot of debt.
It's so so sad to have to pay that sort of medical bills :(
Husband needs to get a much higher paying job. His responsibility if he’s a Christian man.
The kids can be on Medicare?
I will NEVER understand student loan debt in excess of $15K, my oldest son had $10K, his degrees is in Chemical Engineering and he works for an aviation company. The company is going to pay for his Masters AND they are paying him overtime for his classes. 👍
My younger son graduated with NO debt and didn't have to come out of pocket for his business degree because of hi GPA. Is it really that hard for others to do the same? 🤔
I'm surprised too. If she knew she was going into teaching and that job is notorious to not pay well. Then she should have gone for free somewhere. It doesn't really matter where.
I have to disagree Dave. I don't believe that food is first. I believe shelter is First then utilities then food
This family is the perfect example of why we must have a universe health option.
If I was the guy in that situation I’m not sure I’d be able to keep it together . Rough
These folks have a lot on their plates. Best wishes for them.
Godspeed.
this situation sounds tough
The American health care system is an abomination.
Free Medical care America! Your people need it. 💔
The men in the equations like this need to at the very least get into a trade. Even at an entry level you’re gonna make 45-55k a year and you don’t need your degree that you’re already not using. Not to mention offer a new vision if you’re already outside of them realm of your study
I wonder if there are any issues with her husband's employability that she didnt mention. Or maybe the opportunities in their city aren't there for him.
Wow I have one sick child I can’t imagine having two , so sad. But at least we are in Canada so our paediatrician set us up with B.C. renal agency and all medications are mailed to us free
Dave , I've seen you advise people at times in ways I would disagree with.
I've heard you advise other young men to move out of their rent free situation, and pay rent and save, when they could do the same thing without paying rent.... all rent does in those circumstances is cost them extra a month for a place to sleep when they could have it free.
I just don't get the sentiment.
Yea yea eagle doesn't leave the nest becomes turkey, but these eagles do soar, they do fly, they just return to the nest cause it will be a lot faster to get to the higher nest that way rather than sitting on a nest that's 2 branches lower but "its their own"
him only making 15k is nuts pizza hut managers make 35k fix that and things will go smooth
I feel like there´s something missing in this story. Husband got a masters in HR and they have 3 kids, I assume they must be atleast in their late twenties or early to mid thirtys. There is no way he makes 20k with a HR masters multiple years out of college, they either live in a remote area with no big companies who hire HR managers or he is a drug addict and doesnt work in his career because of that. even the shittiest HR manager job should pay 40 grand or more, average is more like 80-120k.
If she's a public school teacher, then she has better health insurance than most people. This couple's problem is that the husband is only making minimum wage.
😢 heartbreaking.
150k in student loans and combined they make 70k???? Bad life management.