$42,000 In Debt Only Making $30,000
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- Опубліковано 27 гру 2024
- $42,000 In Debt Only Making $30,000
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Sounds older than 24 on the phone. It’s the sound of “defeat” in his voice. You can do it bro, don’t give up, changes need to be made, it won’t be easy, but it’s worth it.
Amen!
My 'cry' voice isn't very attractive either! I really feel for his situation.
I feel for him, he is not even allowing himself to dream 😭
🤣😂🤣😂🤣🤣😂
@steve ram you’re right and you’re so sweet
I’m a truck driver and make $100,000 plus a year keep the faith brother
Rich Creager I just commented that he should do this! Truckers are the backbone of America!
Exactly!! He should drive for UPS.
Yes but he said he had many accidents so maybe driving for a living is not his best bet ... I do wish him the best though. Sounds just so defeated 😕
On the news yesterday one of the biggest trucking companies went bankrupt & laid off thousands of truck drivers. So I don’t know if trucking is that reliable.
Clair3 Kee trucking will always be here. That company needed Dave’s Financial Peace University about 3 years ago and they may have stayed around. Their biggest downfall was lawsuits
If driving is “all I’ve ever known,” he should honestly look into getting his CDL and becoming a truck driver. That could easily double his income.
Bruh his wife wouldn't let him drive a truck after 3 accidents 😂 and probably rightfully lol
@@augustalexander2647Right! Why so many accidents in a sprinter van?! Lol
doesnt seem like a very safe driver with the amount of accidents hes got at 24 years old. its more than possible that they weren't his fault, but typically thats not how those numbers shake out at 24 years old with 3 accidents
1. Tell your wife to get a job
2. Get a CDL and drive semi’s- they make BANK
3. Rice & Beans.
4. Start building your fleet! I have a friend who just started his own trucking business. Made 2x his income in a few months with one truck.
Good luck
Jalisa 1000000% My thoughts EXACTLY!!!! Stop on! 💪🏻 I have friends who have done the same thing as your friend. They make stupid money now, but it takes work. 🤷🏼♂️
Credit cards with airlines and gas stations, and some big idea brainstorming should do the trick. He can charge stuff on the credit cards to build the business, and in a year or 2 he can repay. Plus he gets free gas and airline miles too. Try to beat that!
That’s a great plan but he said that he’s already been in three accidents. They could be all the other persons fault but if not he shouldn’t drive any big trucks.
His wife could get a job but with young kids daycare would eat up what she makes or more regardless.
People keep saying cdl makes you money. I drove semi and the company paid me beans. I had to come back home 😣
Go to a trade school and find something your interested in that makes money. His wife needs to be more uplifting and helping her husband find his niche. Poor guy. He needs financial AND spiritual help.
What kind of trade is best you think?
@@tkdcow9911 He could do welding or CDL license
@@tkdcow9911 HVAC, roofing, concrete, electrician.
Nikki H that’s what I was thinking too! She isn’t the one on the road so the fact that she’d be getting mad at him instead of motivating, uplifting and supporting him is so sad. That doesn’t help and that’s one of the reasons he feels so hopeless.
Nikki H His wife should help and get a job that is what a marriage is a partnership. A wife is a help mate
He sounds like he has been crying a lot
Why does he sound ike that for 24 I thought this guy was 60
Probably was just crying too
He ages in dog years
30,000 with 42,000 is highly manageable
Wrote that before I knew he has a wife and kids**
Bryss FN and stays at home
Bryss FN lkjhgfdsa
Wife and kids give u strength.
When my wife was pregnant with our daughter, I was scared to death.
When I saw my daughter
I felt like I could take on the world.
It’s possible to pay that debt with his income. We did it and have 3 kids. Rice and beans.
If he's been in 3 accidents, I don't want him on the road either!
Seriously! "My wife is angry at me." Well, you make $32,000 a year, which is what you could be making working at McDonald's. Except you're screwing up your own driving record, putting yourself at risk as you've already seen from your job literally putting a metal rod in your back. You're driving up your insurance rates, and previously you were using you OWN car for Door Dash or Uber Eats or whatever? That's how you depreciate a car fast enough to owe $22,000 on a $7,000 vehicle.
@@agjios yeah, if you make $15.38 per hour.
Kimbopolo lol
Probably not on the job bc if it happened on the job its workers comp and they pay medical 100%
@@allpraisegoddessmonika2887 lol, in California McDonald's start new employees at 12.50. That's not far off!
While I have basic human sympathy for this guy as he is suffering, he will end up right back where he is regardless if he declares bankruptcy if he doesn't dramatically change his way of thinking.
I hope this family is doing ok. I just wanted to hug this young man and tell him that there is a way through this.
Why not try to get on with UPS as a delivery driver? They pay their drivers better than Amazon and have great benefits.
It’s sad to know his age and hear his negative mindset. I hope he finds a mentor who can show him that he can do anything he puts his mind to if he’s willing to work hard
Pulling the Strings I totally understand that he has health issues & I hope he recovers (you as well). But I still feel like changing his mindset is a good start
Pulling the Strings I’m sorry to hear that😔 It’s really true that there is no way to prepare for things that life throws at us. You trying your best everyday just shows how resilient you are. Don’t give up! There is a light at the end of the tunnel, all the best to you
Pulling the Strings I agree people tend to miss the * in an individual persons life and their personal everyday struggles that they have to contend with. have you tried applying for any low cost county or state ran healthcare in you're area?
His wife is a stay-at-home mom and get mad at him for being out on the road these are the reason why I stay single
You stay single, and I'll get me a wife
She wants him to get a safer job. Exactly what a good wife would want for her already injured husband.
Are you sure that is the reason?
vase so your taking applications? Lol
Amber U how much debt you got ?
Get your cdl’s and drive a semi.Great money and job security.
Job security *for 20 years tops.
Tesla has eyes on your job buddy! 😂
Till that job is automated away in 10-15 years.
All the time you need to become wealthy! 😁
Even if it's only 15 years of job security, that's still 15 years of making considerably more money than he's currently making.
Already has a rod in his back at 20?!?! Guy has his whole life ahead of him. He's got a defeat mindset and needs the Lord.
I hope his life gets better. He sounds like a hard working individual.
He is 24 and he been driving for Amazon for 4 years... so since he was 20 he been driving and he said “ that’s all I have known my whole life” 4 yrs is the only adult life he has had. Rods n his back
And his wife not working she just sitting at home looking at him struggle. How she going to have a say on what he do for work when she not working at all...
There’s a lot of poor “people” in America. Over spending and under paid. People out here getting married, having kids but broke. 🤷
Come on Zachary! Don't settle! I think your plan of owning your fleet is solid. There is definitely room for more subcontracting providers as Amazon is looking to handle their own shipping and exclude big companies like FedEx and UPS. Also it's interesting that you are expected to take on medical debt when you drive for someone else. Don't they need to have group insurance?
how can his wife be mad at him is shes a stay at home mom?
To me it's more caring concern and worry for his well-being. He mentions that he's been in several accidents.
She wants him to get a safer job
my point is hes doing what he has to do while she is at home. i get that shes worried but not worried enough 🤔
Who will look after the kids then? He’s the sole provider of the family in an unsafe job, she has every right to be concerned
I think it's not wise to degrade her as a stay at home parent. Being a parent is really hard! I found out first hand during my paternity leave! Also she's concerned about him as she cares for him.
He should look into working for the postal service. He can deliver mail with full benefits and good pay! I saw the other day a fuel driver job in my area for 64k a year salary. Home daily! Just needed a CDL. I’m sure if he keeps his eyes open he can easily find a better paying job driving some sort of a truck
Postal jobs are going away
Probably dont want this ol boy to be driving a gas truck.
Don't be a chump and drive small trucks. Be a big boy and get your CDL A. I made 83k this year , driving 5 days a week and coming home every night.
What company? I have a cdl a but can't find a good paying company
@@vlee7217 it's a regional company in WA. National Food Corporation. Haul eggs from our own farms. Mostly day cabs.
@@Terror1Void thanks for replying:)
Man what company I need to make the big bucks🤙🏽???
My aunt's brother makes 100K driving locally for UPS. 30K with 42K in debt starting a family, yikes. Get some help man.
A semi or box truck?
UPS is way different then driving for Amazon!
I think he’s an Amazon FLEX driver... independent contractor like Uber ... Amazon always has routes for their actual drivers hired thru Amazon or one of their contracted delivery partners
Any day they have van routes they have flex routes too. Only Christmas, 4th of July, Thanksgiving, and new years they may not have routes. (prime now has routes thanksgiving and New years)
JustCallMeViv yeah that’s what ima thinking... I did flex myself I have seen them turn bout 10 people away saying they have no orders for them
@ justcallmeviv I was thinking the same thing. Amazon’s like peoples go-to online shopping haven
Amazon has a PHENOMENAL tuition payment system set up for employees, and it applies to a WIDE variety of majors, including transportation/logistics, which he says he likes. However, when he said he wants to do what his boss does and own a fleet of vans and get big contracts, it sounds to me like he does NOT work directly for Amazon, but works for an Amazon contractor - entirely different animal. If he loves driving, he should look into UPS. My regular UPS route driver makes more than 80K per year and says he has great insurance and other benefits ... but he's been driving for like 20 years now.
The wife needs to do something at home, even if it's filling in surveys, couponing or doing someone else's ironing.
dachicagoan I made 60$ postmates today.
This guy sounds like an old man
What difference does it make how old he sounds, he's asking for advice and reaching out for help.
@@vikkivibes5257 Saludos just saying ☺️
@Carol HowardSaludos you are right.
Great example of how being poor is a state of mind
He's a driver because "it's all he's ever known." That's the worst excuse I've ever heard.
Don't be afraid to evolve, learn, adapt, etc... If you don't you'll end up like one of the many laid off coal workers across the country.
Stay away from Amazon fleet, you won't make money , Amazon will own you . I used to drive for delivery and made about 500+ a week with little commission for a dry cleaning company. Now I am one of the best drivers for AAA working for a contractor making close to 1000 a week in NC , depending how busy it is . There are plenty of good jobs out there that don't require a stupid college degree, you just have to find them .
I heard the warehouse workers tape a bottle to their leg because they don’t get restroom breaks. They also force their employees to work even if they get hurt. Amazon is the devil.
@@lamingtongirl123 I know the drivers are under a lot of stress , and just because you run a fleet doesn't mean you will be a boss or anything like that, Amazon still owns everything , you just become a manager and much more stress.
@@lamingtongirl123I worked at Amazon and that’s a myth lol
This is what I call an avalanche of bad decisions.
Another option is to also drive for Uber with any extra hours on nights/weekends - they will even lease you a car if you don’t have one and they will take your payments from what you make.. It’ll be hard, but he can climb outta the hole he dug for himself.
This man sounds defeated.
hes the dems dream.
@@peartfaldo Ah..... no
Sending you blessings Zachary on the phone! You got this. God is with you.
This poor guy doesn't know his mittens from his jacket. He's under the assumption bankruptcy would eliminate all debt, but is content making $30k for the rest of his life.
Sizukun “doesn’t know his mittens from
his jacket” 🤣😂🤣😂🤣 I’ve never heard that before. I love it!
And yes that’s true he is misled. Bankruptcy is not the solution. More income is.
I’m in the same situation. 40k debt but making 40k a year. Now not employed, I was thinking about bankruptcy as well. Also I’m thinking about suicide everyday. Someone please help what do I do
Whether you think you can or you think you can’t you’re right
Drive for UPS.😃 they make 80 to 90 thousand a year. Great benefits and a pension.
With 3 accidents on his record that isn't happening. Plus, you don't just "drive for UPS" it can take several years to become a driver.
Adam Tatusko overtime lol, I swear some of you people don’t think before you comment
John Wigren hey fellow UPSer!!!
@@adamtatusko that for 40 hours they don't count overtime on Google
@@kimjong-un5562 👍
only thing i hear is being a grunt worker for amazon is trash. yet they need all the workers. unionize.
Work for Amazon warehouse instead of driving for Amazon, they pay for bachelors degrees. I'm doing that right now while working for Amazon.
Better income, become a semi truck driver. He said his dad and grand dad drove trucks and he drives for a living, so it would seem natural for him to become a semi truck driver. Being a semi truck driver would instantly double or even triple his income.
I have this strange idea that one shouldn't buy stuff one cannot afford.
I agree. Medical bills are the only type of debt I have some true sympathy for.
Tired of winning.
Married with kid(s) at 24 and bad at math.
20k medical? Don't forget everyone loves their insurance.
My problem is I have no debt and I've read Ken Coleman's book and I still don't know what I want to do for a career. Anyone have any advice?
Mr.Bryeman depends. How old are you?
@@throwaybye6173 27 unfortunately I've been to college and it wasn't for me or the course I took.
What do you like? I'm a cartographer. I draw maps, cause thats my hobby, drawing and I get paid for it. I took a test when I was in high school cause I had no clue what to do and the only think I liked from those 4 pages was drawing.
@@renskedj I like helping people and I'm passionate about technology
Mr.Bryeman you can pretty much do whatever you want with no debt, no wife or kids. Cut off whatever’s holding you back, and take baby steps dat by day to build the life you want. If something doesn’t align with the life you envision, don’t do it.
He sounds much older than 24 and he has no direction or idea on how to become more successful to support his family and himself. You don't have to go to college to be successful but everyone needs mentor ship, guidance, and encouragement on their career choices. This is what happens when neither are available. And unfortunately wifey may need to pick up some income in the meantime.
Why is Amazon only paying $30K 🤬🤬🤬 my God! What is this world coming to. These corporations are the devil. They have so much money. How dare they.
How do you think Bezos bought his huge mansion?
sometimes he doesn't get paid. Amazon needs to change their practices!
Honestly, if I went to work not 100% sure I was going to get a paid for the day then I would look for different work
Nothing wrong with $30k . Just stay single...no kids
There's a lot wrong with that. You can barely live off that nowadays.
this is what I don't understand with some folk. "I can only get a checkout job in Walmart" or "Drive trucks for amazon," these are big companies and I bet they've all got staff development opportunities and training plans. I took a job with a small social care company, took all the training i could and got promoted twice. my friend at school worked weekends while in high school, didn't know what he wanted to do, so he just stuck with his job in a fashion chain. 30 years later, he's a regional manager for that same chain. Opportunity is everywhere.
"Hey, honey! I have no advanced education, I'm deep in debt, and I work as an occasional driver for Amazon! Let's have kids!" But, I can GUARANTEE this guy has a 50" TV on his wall at home!
That $350 could have went towards his car payment
@@chuckiedavidson719 He should only have a cash car making 30k
You bash the dude but the girl jobless so what’s that make her?
The fear in his voice is hard to hear. You can feel the unneeded stress. Love listening to these situations, it gives me some tools in my tool kit to help my family out.
Why wasn't getting a CDL on the top of this guy's list. My buddy is a truck driver and you can make good money. Above all he LOVED long hauls. If you've ever hated your job you know how important it is to like what you do.
Finland. 100 000 workers on strike including electricians professionals, timber production, post delivery. This out of total population of country at 5 million.
From the sounds of it, this dude is a demolition derby driver, not an amazon delivery driver.
I'm 37 years old. I have no degree, no student loans and make $85,000 per year and prospects for higher earnings are there. There are so many IT jobs out there with high earning potential, look into cloud hosting (Microsoft Azure, AWS are examples). When I started in this field 5 years ago my starting salary was $45,000 and worked my way up. College is overrated! I will easily be in the $100k-150k range in the next 2 years. I was working a dead end retail making like $25,000 per year before I made this move. Also these jobs allow you to work from home a lot which can be convenient for some.
GET THAT MONEY UP HOMIE
Dave doesn’t let this guy get a word in edgewise at the end of the call. Remember, Dave, you’re only going to help people with conversations, not monologues!!
If driving is at you ever known get your CDL and buy a real truck. First year I drove a truck I made $45k in 2009. here in 2019 I brought home $85k own my own truck and work a lot less than I did my first year.
He is only 24yrs old and he is completely ruling out the idea of going to college in the future? That's insane. I had 40yr olds in my classes when I was in college
College is expensive
I didn’t go to college, and went straight to work. I’m going to make 142k this year. It’s not the only road for success
Wife gets mad but doesn’t do anything to contribute
I delivered for Amazon and the least I was making was around 650 a week
He sounds so hopeless. He literally was saying that his father was a truck driver, his grandfather was a truck driver. He needs to get out of that mind set
LiveLoveLaugh he doesn’t sound like the smartest guy tbh
I'm 24 years old making 105K and I couldn't imagine being in this situation.
105k Pesos
Guess who’s delivering pizzas at night? Driving doordash, uber, Lyft, etc.
If he hasn't already, he should really try to talk the medical bill down as much as he can. Just tell them how much he makes and he is broke. I am sure if he does it right he can get a big chunk taken out.
I started off with $44,000 in loans paid off 10, 000 within a year still at $39,000. Don’t know how I will be able to pay off this loan.
Amazon is not going to pay him. The company is trying to make money, he needs to apply with FedEx or UPS. Yes, his wife needs to work even from home or go clean a house after he is off work. A couple has to work together to get out of this place.
I'm on the same boat as this man and i can definitely say its easy to allow yourself to feel defeated because there isn't a way to make more money. there is but it requires time to which people like him and i don't have. It requires work sacrifice which is difficult when you need every penny to make ends meat. It requires needing to have a better job which is not as easy as "oh get a 100k paying job" for average joes like him and i There is more to it then a lot of people are willing to admit.
No, you didn’t “get roped into” anything with a car dealer. That was on you, buddy.
I don’t understand people getting married early and having a kid in early 20s when they don’t have a financial plan set. I feel like this guy didn’t think ahead..
3 accidens....if or was during working hours, its workers comp and they cover medical 100%! (I worked in comp for 10years)
I am a fleet owner...just grossed over 2 million this year... keep focused.
You frontin 😂😂
This is really sad. With these money issues his wife doesn't have the privilege of being a stay at home mum. Even working part time she could really help support her family.
It's so sad that we live in a world were it's a "privilege" to stay home and take care of your kids :(
To listen to that call was very hard.
Dave "alright, cool!" Lol
All these big talkin' six figure truck drivers got it figured out, I tell ya. Btw, Celadon is going through bankruptcy, autonomous trucks are years away and layoffs are rife lol.
Those “autonomous” trucks will still have a driver for many, many, years.
Amazon is cheap for a reason...he can deliver elsewhere for a few bucks more for sure.
I think the good news about this guy's situation is he would not need to make drastic changes to be doing better. Maybe if he can find a mentor nearby and can get further help developing a career plan, picking up an addtl part time job after the holidays and holds it down til he finds a better paying one in the next several mos, he can be doing much better. He is only 24, plenty of time to continue to learn how to work on these things.
He sounds like he’s closer to 44 and done. So sad. I hope he gets it back going again.
I used to be a delivery driver.
Until the game got changed,
To self employed using my own vehicle. I'm not a delivery driver anymore. Takes time to switch careers, work in progress.
Wait, this dude makes 30k as a delivery driver for amazon and there is an 18 year old kid making 50k as an amazon warehouse worker. Yeah okay 18 year old kid, okay!
He can apply for financial hardship from the medical bills because the medical institutes receives charity to clear people's debt.
The first thing Zach should do is help his wife find a job
Math skills are kind of a necessity to put together a budget.......🤔
Yeah he's so dumb right Sean Dougherty right? not like you who knows math! Yeah I also love the feeling of superiority I get making comments like this
Dave: "Alright, cool!"
Me: No Dave...nothing cool about this at all.
Dave, you are so awesome.
I needed to hear this I really did
He sounds like he doesn’t want to work hard. I don’t know anyone who would settle for that small of a salary with a wife and child at home.
Heartfelt call. I feel for this guy. Good luck Zachary!
See it
Believe it
Receive it
Drive a semi truck instead of a tiny van you can actually live off that
I'm in more debt than that and I'm managing on that
I just picture this guy being the old man off of Courage the Cowardly Dog
Lol stay at home mom 😂😂😂
Hey momma - your husband is barley making it. GET. A. PART. TIME. JOB. Evenings, weekends whatever. You’re in deep trouble here.
Get a few kids and do day care maybe
The daycare idea isn’t too bad! She could just babysit a couple kids along with keeping hers and she’s got a little extra side job! Or she could look into cleaning churches . Or even her husband could ask about lawn maintenance at churches in their community. I know leaves are falling and trash needs picked up. Just because it’s not summer doesn’t mean there’s not yard work that needs done! Or he can look into hauling small trunk loads of firewood in his car. There’s always a side hustle to be found if you look for it!
this is where america is today. As an english woman I am so disgusted by what your politicians have given you today. It is always your problem. and this is your problem
Other guy said this but he should get a CDL and make an easy 70-100k
Wife and kid(s) are a lot for a young man his age. He should be traveling and focusing on a career path. There was plenty of time for the marriage and other stuff. It's a preventable complication.
My husband was a teen parent. Started working at 16 at Target now at 34 he has a stable trade with great pay. Having a family isn't a hindrance. If anything it should make him strive to do something better with his working career.
@@nicolcacola it will definitely slow things down and that can be avoided. I'm not saying you can't make it, but I wouldn't advise my son to take all that on so early in his life. This young man seems directionless. Marriage and kids won't necessarily make you strive harder--either you're motivated or you're not. One bad decision can derail your entire life. There's nothing wrong in waiting. A solid career, education and stable finances take time. Very few people have all of these things by age 24. A child deserves to come into a healthy situation with mature parents--in both age and mind.
Need to up the income...no bankrucpty here when you can toss the car ..
Wow, this guy sounds defeated, poor him. But the good news is he already took a big step by asking for help and calling mr. Ramsey! Keep your hopes up, there are plenty of selfmade people who earn a really nice income. Have faith and start looking for any interesting vacancies. Or start contacting companies that you would like to work for. Focus on what you CAN do, and not on what you cannot!
Im 32 and make 60k working 60 hours a week . I dont think I could ever earn 100k