I’m glad I wasn’t the only one infuriated by this one. The caller is being a great parent by thinking ahead and budgeting for another child. Dave doesn’t know how to answer so his response is to just be an irresponsible parent and just have the kid and worry about it later. What a terrible response.
Tbf, Ken did speak from personal experience on how he did it, so it wasn't completely dismissed. I'd hesitate to trust my child with a random old lady though.
Yes scrimp and save on daycare and send your kid to a random place so they can get assaulted like what happened in that one John Delony call. Thanks Ken, great advice.
Dave copped out on this one. The guy is absolutely right for planning ahead about having another child. Daycare is not only expensive, it's hard to come by. There's a severe shortage of daycare providers. I feel so sorry for families with young kids that are struggling with this. If you can get by on one income, it's best if one parent can stay home, at least until the kids are school-age. I'd advise any newlyweds thinking of starting a family to first spend a few years squirreling away a lot of money- they're going to need it!
Yeah, there was no way me and my wife were going to pay that much and still try to work, so we solved it by just having daycare in our own home. Good income and tax write-offs.
Time to get creative. Work nights instead of days. Work part-time. Ask for help from your family members - mom, dad, aunts, uncles, grandparents, siblings, cousins, etc.
Daycare for infants is almost impossible to find at some places you have to get on the wait list before getting pregnant to have a place to take your baby after birth.
Yea we just started shopping for my 12 months old and the Montessori place we like is like $500 a week. We have a second on the way also. We’re looking at like $48k a year in day care pretty soon 😵
Man, this was so applicable to my wife and I, and it turned out to be a non-advice response from Dave, which is very disappointing. I’d love to know what to do myself and how to plan for it in the case of a 2nd kiddo
I have never seen Dave be so cold towards someone. He gets frustrated when people aren’t planning ahead and then when someone does he chastises him for it?! That’s wrong.
@@carolinegarza8285 does Dave ever recommend parents look into starting their own daycare in their own home? That's what me and my wife did, it made no sense for one of us to go to a job where all that income was just going to daycare, when my wife can stay home with our own kids and have a few extra kids for the extra income. Plus the tax write-offs on all our expenses. For us it was a no-brainer. I don't know why more people don't look into this. The only way I wouldn't do it is if I had a job I absolutely loved, and I also didn't like kids lol.
@@todd2324 oh I agree. That's why I mentioned that at the end, if you don't like kids then no way LOL. But at least consider it. Financially, it worked out very well, but again if you can stand the work. Honestly, parents themselves were just as bad as some of the kids.
“It doesn’t cost $1200 to add a newborn to daycare.“ 😂🤣 Dave $1200 a month for a newborn in daycare is considered cheap. Time to check into reality with what Americans are dealing with and this is an engineer with a good situation. Imagine a single mom working at Walmart.
Sending a newborn to daycare is almost child abuse, how can you possibly trust anyone with a new baby? I have four kids so I know what I’m talking about
I was put in daycare at 6 week old it’s not child abuse it’s paying people to let your kids sleep eat and sleep again because parents have jobs to go to for 9 hours a day
Your 100% right a lot of Americans are in this situation where I’m at 25 percent of people 1/4 live below the poverty line but the bills are still 300/child for people who work and make 1,000 a month leaving parents to be stressed financially unstable and that’s for a single mom who doesn’t have help from a husband
This is so appalling from Dave here. On one hand he says people should budget tightly and consider future changes to their circumstances. This caller has done exactly this before making a huge decision yet Dave has dismissed him for taking the considerate approach.
the reason he avoided the question is because he will reveal the underlying issues many christians face... produce more children vs financial stability..... he doesnt want to go against christian doctrine, so he avoids the question.... but its obvoius... in the modern world, its designed for us to not be able to afford children. Dave is a coward for dodging the question.
Seemed like Dave got embarrassed he didn't hear the question and didn't know how much childcare cost. First time I've heard a guest who's better at basic math than Dave on air.
I tried calling the Dave Ramsey show two years ago with a question. I did not know that it's not a show that you call in. you have to leave them a message and your question and if they feel like it is good for them to take they will call you and have you hold. so the fact that Dave did not know what's going on tells me that his staff did not prep him on that call
@@mannyjeanpierre4062 Yeah and he also doesnt give them an answer besides "look for a church" lol I like Dave, but this particular stuff is clearly outside of his expertise.
Right? $1300/month is like $7-8/hour for childcare. You can’t get any cheaper than that unless you’re literally paying someone (some grandma from church apparently) below minimum wage.
It was never a stage for the Boomer generation. They were much more hospitable with their community back then, but only because society is more dangerous today.
If the Dave Ramsey team is reading these comments, Dave majority (to put it nicely) goofed this one up. He owes every working parents an apology for being so dismissive of the incredibly real issue this guy was calling in with that we can relate to. He not only dismissed this guy, in doing so he dismissed all of us.
@@JRealGhetto my dude, I’m a woman. The pair I have are 10x less vulnerable than yours As they are safely tucked up inside me. Also, I gave birth naturally to two babies… I’d say hands down I’m tougher than you are
If you can't afford daycare then someone stays home. I worked in daycare and every parent told me that one of the two incomes went to paying daycare. Then stay home! But they wanted to live beyond their means. They wanted the bigger house, newer car, and to go to the salon every week. Sorry Charlie! When kids were raised at home things were better. The future generations are being RAISED in daycares staffed with apathetic and sometimes cruel minimum wage workers. Wake up America.
@@letsuseourbrains Replace bigger house, newer car, and salon visits with retirement matches, yearly raises, and health insurance and then you’ll find within yourself a little empathy rather than a load of criticism for the young Americans navigating legitimate issues beyond the scope of personal spending habits, in the realm of circumstance outside peoples’ control.
You're right on general, but many couples cannot get pregnant on first try, and he said - 10 months from now. So I kinda get Dave's point here. Plus they're debt free.
I don't think you quite get what hes saying. A baby is hypothetical until its conceived and I say this as a previous infertile who made career decisions for years on what ifs......
Dave literally isn’t listening to this guy at all and it’s infuriating. He shows over and over that he does not grasp the situation of the average American now a days… he can listen to people talk all day but he’s not listening to understand, he’s listening to respond… his previous lived experience of struggle is so far gone it seems like he’s out of touch.
that's why people say we dream of success ourselves but once we do reach it, although we experienced the turmoil before, it becomes a blur because it's not in our focus anymore, and being able to relate to someone going through it is going to be different because we made our own choices and they have to make theirs. life sucks like that because we all go through similar things but not one person has all the answers, so you just be there for support when needed. Dave heard the tone of the caller and took it literally this guy is having a baby because of how concerned he sounds, but hung up because we could go forever worrying about hypothetical stuff that could make things less manageable. he isn't like a young father with no career, he doesn't technically need to worry as if he is one but he is because he realizes how good he has it to have an extra almost 15 thousand a year he doesn't need to touch, and doesn't just want to sink to be like the rest of Americans. Dave should've understood since he is afraid of bankruptcy again so much, he doesn't finance anything even for his business that has so much potential he shouldn't have to be thinking like it's a real possibility, but clearly, he lives like it is. so this guy was just doing the same thing but Dave couldn't see the correlation in being driven in fear of the worst. aka motivation from anxiety, which I have as well lol
Dave had a few of the facts incorrect in the beginning that got clarified But other than that, I think you’re wrong. Dave doesn’t play the empathy game. Dave tells you like it is. What he said is if you have another kid you can either spend everything you make or you can make more income or you can find a way to put two kids together and save them daycare. And you just got to figure it out if you want to have another kid
He has always been dismissive when it comes to the topic of pricing in babies in a budget, and I get it it's been a long time since he's had to be financially obligated for a child but that doesn't change the fact that kids babies specifically are expensive
I think more people SHOULD budget for a 2nd kid. I know so many people who didn't even plan for the first... Dude thank you for planning for the future.
Dave really didn’t care about this poor guy. Dave always the guy let plan for that coming. But this guy obviously during that, and Dave just didn’t care.
OMG, this guy called in so he could ask for advice about having another child and Dave totally shut him down. Just because they aren't pregnant yet doesn't make this a hypothetical that they don't have to be thinking about.
Some daycares have waiting lists for infants that are longer than a year. Meaning you have to get on the list before you’re even pregnant. Ask me how I know.
What a rude and terrible answer from Dave. Dave everyday - “Plan for your future you idiots.” Dave today - “Why are you planning for your future you idiot.” This made my blood boil.
As a mom of twins looking for daycare, it is Definitely a huge expense to think through before having kids. The good thing in his scenario is their current baby will be Pre-K age and close to starting school so when the baby is born so there may be programs in the school system that can lower their cost of care.
Dave is definitely out of touch. Waitlists for childcare are 8-12 months.I live in Indiana. You practically have to know you’re having a baby to get a spot. I’m only in my 1st trimester and have contacted 45 daycares within a 30 mile radius, and only 10 have openings. Just one is below $300 a week. Even church daycares are $375. This is absolutely something you plan for when it comes to careers and piling up money ahead of time. Im already stressed and I hate that they blew this caller off.
@@sinclairal planing for another kid is not hypothetical, it is responsible to know you can finically take rare of you kid. Would you like the other way around there they found out they are pregnant and now need to figure out what to do?
@@Engineering2AI and this is why they are actually worried about the population and changing the abortion law nobody can afford kids old people don't get it.
@@Engineering2AI Exactly. People get mad at others for having children without the appropriate financial resources, and then here are people saying the caller is too worried about “hypotheticals”. C’mon now. Be mad at people for having children without enough money or be mad at them because they’re planning well, but you can’t have both. 🙄😒
Dave has no idea how bad daycare situations has gotten for many! It’s expensive and hard to find! You need to plan ahead because of how expensive and how hard it is to find any daycare and reliable daycare.
We just paid $525 to be on a wait-list for a daycare and won't even get in until next summer. Our current daycare can't keep enough staff to allow all the kids to be there all the time. It is ROUGH if you want to keep working right now with a kid...
@@alsemm if it's greedy capitalists, how do you explain non profit days cares being just as expensive? it's called basic supply and demand. Since every household must be a 2 income household it drives daycare demand up and there's a shortage thus driving the high costs. If parents cared more about raising their children instead of their own selfish career goals, daycare for single parents would be lower.
I find it a little insulting that he is laughing. I pay $1400 a month in daycare a month which is more than my mortgage. I made sure I did a budget and crunched the numbers before we were pregnant.
Ken’s response was appropriate. Dave was out of line this time, not at all helpful. We did the numbers and Mama working would NOT be making money, so one parent stayed home - and so we only needed one vehicle. You can make it work, but that doesn’t mean it’s not a struggle to figure it out.
Honest question - I’m doing the math now to see if this is feasible for us. If so, we’d go down to one car as well. But my question is how did the home parent do without a car? I wouldn’t be able to take the kids to appointments or get groceries. Or even free stuff like take them to the park. Wouldn’t be feasible to drive my hubby to work with 2 babies , because he works almost an hour away and leaves at 5 am.
@Lauren You need to be super intentional. When he is home, prepare for that week coming up by going to get groceries and meal planning, so you don’t NEED anything while he’s away. As for appointments, those are once in a blue moon, not every day (or so we choose to live). There were times that an appointment couldn’t be done when he is home, so I would drive the 1 hour at 5am to drop him off with the kids sleeping in their carseats, so I could have the vehicle that day. If it was simple everyone would do it. As for parks etc, when you start walking to places nearby with the stroller, you’ll notice things you may have missed exploring otherwise. It’s my “job” to make it work without the vehicle, and we chose this, so it’s not hardship, I just have a paid for house faster than my peers - so I get it easier later in life.
@@charlessnyder9684 Same. If by mortgage we're not just counting the payment to the bank, but escrow for insurance and taxes, I'm paying 43% more for daycare than my mortgage payment on my $360k house.
Wow, this was crazy. Terrible answer from Dave. He's definitely out of touch with what daycare costs. A better response would have been to break down the budget, see where they can cut back, what they can sell, see if they have side job opportunities... anything other than what he gave. I'm mindblown.
This Dave is why work at home is popular. I know you all don't like it but raising children is too expensive and not every husband is worth $130K a year to have her stay at home
@@bettysmith4527 I'd say that's true when the kid gets 2+ years old. It's not always the case, but in my case I work from home with a 1 year old and it's been fine.
It's a tough struggle. Really have to rely on BOTH parents to plan shift hours across 24/7. I envy single mothers and mothers with underachieving partners.
Finding a "Grandmama" for cheaper than a daycare is all fine until "Grandmama" gets sick and there's no backup plan for daycare. That's part of what you pay for in a daycare, staff to cover staff.
OMG, call the news station, people who are actually thinking BEFORE they have another child to make sure they can afford another kid! Someone who actually doesn't expect the tax payers to pay for his kid's expenses, this has to be a fake call!
That's what I was thinking. I agree with most of Dave's advice but sometimes he has trouble stepping away from his own experience. If it wasn't a problem for him, then it shouldn't be one for anyone else according to him.
So basically what Ken is suggesting, is that unlicensed people who are not even related to you take care of your kids. No chance in HE- double hockey sticks!
exactly, "grandma" might seem nice, and she probably is, but you have no clue about the rest of her family, she could have her 50 year old perv son living in her basement!
I love most of Dave’s advice, but he completely skirted the question here. Having life goals and budgeting to accommodate those goals is what he typically talks about, but the ‘don’t worry about it’ outlook would never apply if the guy had said he was just going to take on debt for daycare. As a working mother of three, I know what daycare costs, and it’s equal to a second mortgage for us… worth it, but very expensive. Being in touch with things like this should be standard for anyone who talks to a family about a budget
This dad is smart and responsible for planning ahead. Dave and Ken didn't ask what his wife's career is or what her salary is, but it may be worth them sitting down together and assessing if it makes sense for her to stay home and watch both children or at least going part time. She could possibly watch the children of a friend as well for some extra income. At least until their first goes to school.
@@Sam82631 For real! Or they could swap who takes maternity or paternity leave (assuming both employers offer them the option) to lessen the cost of daycare.
@@donaldlyons17 A lot of people find Dave AFTER they’ve made many financial mistakes. I’ve been listening to his show for a few years now. A minority of people/callers are actually financially responsible prior to calling Dave.
Dave was outright wrong about the cost of childcare and unnecessarily dismissive with this responsible caller who had a very legitimate question. He is seriously out of touch with reality.
Daycare is just too expensive. My wife is a stay-at-home mom, and she is absolutely loving being at home with our 3-year-old daughter. Has it required us to make significant financial sacrifices? Sure, we can't afford a home at this point, and live in a 1200 sq. ft. apartment. But it is all worth it seeing how our daughter is flourishing being taught and educated by her mother all day. For us it's not about the size of the home we live in, or what money we have left over to spend on entertainment, expensive vacations, etc. It's about getting to be there watching our daughter grow and learn every day.
That is correct, my parents didnt put me on daycare too so why would i put my kids on it? Dosent make any sense id rather make my wife work as part time so she can spend more on my kid.
This I'm surprised I'm not seeing it more. My wife is a speech therapist and it makes better financial sense for her to stay home with the kids, and its better for the kids. They are Leaps and Bounds ahead of their peers in so many ways.
Why didn’t you just wait until you were in a better financial position to have a baby. Why would you wanna raise a baby in an apartment as opposed to a home? 🤦🏽♀️
@@Laoriginal718 There are plenty of families in our apartment complex with not only one child, but two or three. They are obviously not financially ready to own a home either, but they have told us they're still happy, and they did not want to wait to have children. Indeed, for some, owning a home may never be a possibility. Owning a home does not determine the quality of life of someone or their children. That's a lie of our American society. It's better to live in an apartment and be smart with one's finances than to struggle to survive under a mortgage that makes a family house poor.
This is one of those videos where Dave shows how out of touch he is with reality. He completely blows off and invalidates the man’s VERY reasonable concerns.
Dave embarrassed himself on this call. He couldn’t keep up w what the caller tried to explain, he got confused and then tried to act like the caller made a mistake talking about “hypotheticals.” Dave’s age really showing here.
@@perotal maybe ur family just don’t care about you and ur child just say that. Over here we teach our child on our own at home until kindergarten it’s not about not affordable it’s about not trusting the daycares people just apply because they need a job we want our children safe
My wife and I made the tough decision to pull our son from daycare. There are not many options and they are all expensive. The prices this guy is quoting are average at best. She is now at home full time with him and I am bringing in our income. It’s scary but this is what many are faced with.
@@jimmymcgill6778 If somebody's income does not go up each year, they have either done something wrong or made an intentional decision to either change fields or reduce working hours.
I've been listening to Dave Ramsey and watching these clips for a long time, and the way he treats an individual who I would consider one of the most financially responsible callers I've heard call in is frustrating to listen to. Mike, if you read this, you aren't doing anything wrong, you're doing great, and your concern is valid. Ramsey team, if you read this, you dun goofed. Preaching financial responsibility and then treating a practitioner of it in this way is not excusable.
Most people wont be able to find a random "Christian Grandma" willing to nanny for two strangers toddlers for cheap. Sure look around. But toddlers are exhausting, most grandmas are poor or working themselves, and the ones who dont need to work probably are having fun watching their own grandkids. Or having fun doing their own thing that isnt caretaking. By all means if you cant get that type deal though, and can do so in integrity, go for it.
@@michellesapisces8349 as a previous preschool teacher, many owners are greedy. There is also a lack of great teachers who are caring and patient with the children. I would never put my child in a daycare or preschool. Plus the high fees for the children never trickle down to the workers.
I'm glad to see everybody else is upset about the way that this was answered. Daycare is crippling a lot of families right now. Daycare providers are in a severe shortage at least in my area and they're very well aware of it. Daycares are using it to their advantage of squeeze out even more from families. My wife and I are lucky we're in a good financial spot so eventually we decided that it was best that I work and she just stays home until they get to kindergarten. My thought is always been if you have two kids you're on the fence about needing daycare or staying home depending on what the spouse that makes the least amount thing can do. We're using this opportunity now for my wife to go back to school and get her master's degree so when she re-enters the workforce she has potential make even more to try to recapitalize some of the money we missed out on.
Weird. I was taken back seeing the negative comments but after listening I agree, Dave was very cold and annoyed with this guy. It’s true childcare isn’t cheap no matter the way you slice it. I don’t care if you do nanny, daycare or a babysitter it’s all expensive and impossible to find now a days. I was hoping to get some real advice here
There needs to be more of call calls of people making around 120k gross or 7400 net in Connecticut Even with a potential mortgage of $1900 a month including taxes and insurance-25% on 15 Tithe of 740 Retirement of 1500 Then regular bills like food , utilities, Only leaves $1000 a month for daycare , sinking funds, vacation which is nothing.. so please tell me how people do it when two people make the same amount and work first shift jobs.. yall NEVER ANSWER DAYCARE QUESTIONS !
Lol one of the worst responses I’ve seen out of the Ramsey crew in a long time. No insight or direction on how to build a family. Just shut down and hung up on…
Dave, this is the reality of many young families today on some parts of the US. Many have to be a lawyer, physician, or an engineer to afford children in daycare. You are "privileged" but not everyone else is.
Life has just gotten way too expensive for most Americans. Even folks who on the surface look like they have it all together like the caller (no debt, good job, own a home, etc…) are crunching the numbers and realizing that having/expanding a family doesn’t make smart financial sense. This is a real problem, and the caller is being smart planning ahead.
That's ridiculous. People in much poorer countries than ours seem to be able to make it work. Maybe it's because people in our country think that you need to live in a 3000 sf home and go to disney world twice a year. Maybe it's because people in our country aren't willing to make sacrifices for their children.
Loooool I cannot believe how out of touch this answer is. The percentage of younger generations being child-free is skyrocketing because in part of daycare being essentially a mortgage payment. I don’t have kids but my boss told me how much he pays for daycare for his daughter and I fell out of my chair. Dave became a deer in the headlights when he realized this isn’t a budgeting problem.
Dave Ramsey I paid $1400 a month for a new born at daycare in Oklahoma. That’s the average cost of daycare… I hate when people say I shouldn’t pay that much but It the cheapest I found. My daughter is little older now but I still pay $1,100 a month…
We have 4 under 5 and it’s a struggle. Fortunately I work from home and my mother in law has helped a lot, but if I had to physically be at work, it would easily cost us close to $6,000 a month. Would be cheaper to send them to state college
Dave did not handle this call right. Daycare is super expensive and this caller is being smart and responsible by considering how expensive childcare is before having another child.
The Dave Ramsey Show actually put this video out on YT?? It made Dave look horrible. He didn't pay attention to the caller, and then hung up on the guy because he's trying to figure out and plan for the future. He's an Engineer!! That's what they do! The caller respected you enough to call to get your opinion. You didn't show the slight bit of respect back. Dave, I mean this will all sincerity - it's time for you to retire. Lastly, the guy sitting next to you just needs his paycheck; that's the only reason why he's acting like your boot licker.
Laws that limit how many kids per adult a daycare can have have been put on the books in many states since Dave's time this driving up the cost of daycare and has made no difference in safety like it was intended.
There is a severe shortage of people willing to work in child daycare. I doubt raising the number of kids they can be responsible for will help matters.
Not everyone has access to the community where they can give their kid away for someone to watch 8-12 hours a day. People are weird now days and children are vulnerable. Also not planning for kids is how some people go into debt sooner. Already broke but let’s have a kid and figure out the rest later 🥴🥴. Then many Americans work multiple jobs to survive at that. Totally makes sense.
Dave just assumes all jobs give raises to beat inflation and extra expenses every year and there are hundreds of choices for anything we need, like the world is a buffet and we can just pick and choose whatever we want by saying the magic words "next." I mean, even if they found a cheaper daycare (good luck btw), there is probably a waiting list. Ken's advice was good, and I agree you can't deal in what-if's but then again... isn't the emergency fund for "what if's?" There is just so much to think about, this guy is right to be concerned and plan ahead. Good for him!
I personally find it hilarious that the response to “I’m not sure if I can afford another baby” is “just [stop using protection and] let god decide.” A+ financial advice. 👌
It’s not like the caller was asking about what happens if he gets stuck by lightning. He’s talking about a highly probable event of having another child. And he knows the price on it Dave didn’t have a good answer so he just brushes the caller off as it’s not the smart thing to do to consider the affects of another child. Worst answer I’ve ever heard on this show. Seems as if multi millionaire Dave doesn’t understand the affects of rising childcare costs to the average family.
Dave is beginning to appear as a guest now. He understand that’s probably why he’s laughing. Time for people to think and do the math on their own. They are the broke ones not him. Dave got other things going on probably with his grandkids as well.
Honestly the fact that this caller is putting so much care and planning into providing for another human before actually making one is commendable and majority of people I know don’t . So many kids living in motels and in cars and in poverty in this country as it is.
Wake up! This may be “hypothetical” for them but it is very real for many people. You’re dismissing a large part of your audience who has the same question! This is a cultural concern and you need to educate yourself better on this issue.
I was sent to a less reputable daycare as a kid and it was amazing how bad it was. I told my parents stuff I saw and they almost called the police. The point is, the “daycare” looked reputable enough at a lower cost my parents could afford at the time, and some of the kids were younger than me and weren’t able to understand how bad the situation was and weren’t able to communicate it to their parents. So NO a non-reputable daycare is NOT a choice I would recommend.
Daycare is atrocious. I was in Brooklyn when my son was ages 0-10, we did daycare for him from age 3-5 only (this was 2007-2009) and it was SUPER expensive at 450 per week. The place wasn't fancy by any means, but they were clean, responsive, good with the kids. The whole "looking for a third party" to mold into a daycare situation is NOT feasible for most people, most people live very far away from actual family members, and at minimum a licensed daycare center is legally accountable, can handle med emergencies etc.
Really surprised by Dave's response on this one, the guy had a legitimate concern that was just dismissed. Why wouldn't you try to plan ahead when trying to add to your family if you can afford to do it or not. Think Dave missed it on this one
We’ve been Ramsey fans for a while, but lost some respect for Dave on this one. They WANT another child and don’t know how to pay for it, and they’re trying to make a plan to not go in debt for the child. Getting pregnant before a financial plan would irresponsible, Dave! What a unloving and wildly rude thing to do, hanging up on a man who is planning to expand his family.
Time for mom to come home and take care of the kids. That second wage goes to paying for day care most of the time. Basically mom is paying someone else to raise her kids with their values, not hers.
Sadly, the older Dave gets the more condescending he gets towards his callers for no reason. It’s pretty clear he is over hosting the show. He’s turning into the “stay off my lawn” guy. Don’t think I’m the only one who’s noticing.
I think he is just tired of the job. It mostly the same calls all the time. People can pretty much find their answer from old videos from him at this point. I'm done watching this show after seeing this.
I think the way dave handled is not great but imo, if you think day care is expensive for a second child and you think it is an additional expense, then dont add another one… sometimes, things doesnt work the way we want it to be, i would rather have one child and give the world to him/her.
This is the main reason why my wife stays home. When she considered going to work and we asked about childcare we were quoted $1200 per kid. We have 3 We live in Texas and we literally have no relatives in the entire state. It’s a hard reality that Dave doesn’t understand at this point.
@@Laoriginal718 what a stupid suggestion. If that was the case you’d never see kids anywhere and only millionaires would have them. It’s not exactly not being able to afford, it’s the cost associated and how it keeps going up, it doesn’t make sense to work a full week only to pay every earned penny to child care, but how would you understand if your solution would probably be “sell the kids” or “dump them somewhere”. I only mentioned relatives because that was one of their suggestions.
LOL, Dave didn't know what day care costs. Ken being beside him also copped out on the answer. $1300 is pretty good for day care. My wife stopped working because day care was too expensive. Like, she was working just to pay for day care.
Dave didn’t listen to this man at all! So disrespectful and sad. Babies are a blessing yes of course BUT they are also extremely expensive. Not everyone has the bank account to support everything a newborn requires and the guy was just looking for a little advice as to how to navigate a situation that so many people don’t think about until it’s too late. This is one of those calls that just proves that Dave is really out of touch with reality. Dave’s money is blinding him from the struggles of every day people.
This was a frustrating call. This is where it really shows Dave's age and disconnect when he doesn't understand or BELIEVE the cost of daycare. Ken should have done a better job taking over the call. Rachel/John/Kristina would have been a better host for this question.
Yep I feel sad and angry I missed out as I am in my 40s now ... but I know why women require six figs today for dating when I discovered Redpill. It is not greed but just so she can stay at home with her kids and I can pay for them
@@timothygibney159 If you are the biological father, why wouldn't you pay for your own children in some fashion or other? The median income for American males is $34,600/year; let that sink in. Most 2-adult households NEED two incomes just to survive. Since you are Red Pilled, you should already know that most American males' 1st marriage is around 30 - 32 years old, American females are 28 - 30, and because her ova start to decline around 35 years old, that is not a long window of time to have healthy babies/children. Now if you are talking dating single/divorced mothers, just don't do it. It's way too complicated.
If this is what the Ramsey show is going to become, he’s gonna lose a listener out of me. Dismissing the guy for planning ahead? Telling him to not live in worry for something you clearly don’t understand?
They should check with their daycare to see if there is a discount for the 2nd child. In my experience it’s about 10%. That would help a little. Also, they could see if they could make a little more money now and like they did mention find another daycare, but still make sure the quality of care is good. Oh yeah and check to see if their jobs have a Dependent Care FSA to set aside tax free money for daycare expenses.
@@mikewright2858 It is not always preventable. Woman have gotten pregnant when they were on the pill. It a man uses something. It can have a small hole in it.
I've watched hundreds of Dave Ramsey videos and i can recall in numerous videos where he says kids aren't that expensive and I've never understood why he says that when most daycares are anywhere from $800-$1200 a month
I’m glad I wasn’t the only one infuriated by this one. The caller is being a great parent by thinking ahead and budgeting for another child. Dave doesn’t know how to answer so his response is to just be an irresponsible parent and just have the kid and worry about it later. What a terrible response.
Not helpful to the caller... Very dismissive....
Tbf, Ken did speak from personal experience on how he did it, so it wasn't completely dismissed. I'd hesitate to trust my child with a random old lady though.
Yes scrimp and save on daycare and send your kid to a random place so they can get assaulted like what happened in that one John Delony call. Thanks Ken, great advice.
I was going to comment what a terrible answer but everyone already said it lol
Religious response
Dave copped out on this one. The guy is absolutely right for planning ahead about having another child. Daycare is not only expensive, it's hard to come by. There's a severe shortage of daycare providers. I feel so sorry for families with young kids that are struggling with this. If you can get by on one income, it's best if one parent can stay home, at least until the kids are school-age. I'd advise any newlyweds thinking of starting a family to first spend a few years squirreling away a lot of money- they're going to need it!
Yeah, there was no way me and my wife were going to pay that much and still try to work, so we solved it by just having daycare in our own home. Good income and tax write-offs.
Time to get creative. Work nights instead of days. Work part-time. Ask for help from your family members - mom, dad, aunts, uncles, grandparents, siblings, cousins, etc.
Daycare for infants is almost impossible to find at some places you have to get on the wait list before getting pregnant to have a place to take your baby after birth.
Yea we just started shopping for my 12 months old and the Montessori place we like is like $500 a week. We have a second on the way also. We’re looking at like $48k a year in day care pretty soon 😵
Man, this was so applicable to my wife and I, and it turned out to be a non-advice response from Dave, which is very disappointing.
I’d love to know what to do myself and how to plan for it in the case of a 2nd kiddo
I have never seen Dave be so cold towards someone. He gets frustrated when people aren’t planning ahead and then when someone does he chastises him for it?!
That’s wrong.
Well... it's because if everyone was as diligent as this caller, Dave would be out of a job!
@@carolinegarza8285 true!
@@carolinegarza8285 does Dave ever recommend parents look into starting their own daycare in their own home? That's what me and my wife did, it made no sense for one of us to go to a job where all that income was just going to daycare, when my wife can stay home with our own kids and have a few extra kids for the extra income. Plus the tax write-offs on all our expenses. For us it was a no-brainer. I don't know why more people don't look into this. The only way I wouldn't do it is if I had a job I absolutely loved, and I also didn't like kids lol.
@@kbanghart Most people aren't interested in watching someone else's babies all day for a living. It's not for everyone.
@@todd2324 oh I agree. That's why I mentioned that at the end, if you don't like kids then no way LOL. But at least consider it. Financially, it worked out very well, but again if you can stand the work. Honestly, parents themselves were just as bad as some of the kids.
“It doesn’t cost $1200 to add a newborn to daycare.“ 😂🤣 Dave $1200 a month for a newborn in daycare is considered cheap. Time to check into reality with what Americans are dealing with and this is an engineer with a good situation. Imagine a single mom working at Walmart.
Sending a newborn to daycare is almost child abuse, how can you possibly trust anyone with a new baby? I have four kids so I know what I’m talking about
I was put in daycare at 6 week old it’s not child abuse it’s paying people to let your kids sleep eat and sleep again because parents have jobs to go to for 9 hours a day
Your 100% right a lot of Americans are in this situation where I’m at 25 percent of people 1/4 live below the poverty line but the bills are still 300/child for people who work and make 1,000 a month leaving parents to be stressed financially unstable and that’s for a single mom who doesn’t have help from a husband
And people who do have help from their partner and sisters or wealthy grandparents are the people who are being heard
@@brianmott9010
Actually, ypu don’t know what you’re talking about. 🙄
This is so appalling from Dave here. On one hand he says people should budget tightly and consider future changes to their circumstances. This caller has done exactly this before making a huge decision yet Dave has dismissed him for taking the considerate approach.
the reason he avoided the question is because he will reveal the underlying issues many christians face... produce more children vs financial stability..... he doesnt want to go against christian doctrine, so he avoids the question.... but its obvoius... in the modern world, its designed for us to not be able to afford children. Dave is a coward for dodging the question.
Maybe Dave blew him off because he doesn't have an answer. Ken handled it a bit better, but too late.
Dave was outgunned
Seemed like Dave got embarrassed he didn't hear the question and didn't know how much childcare cost. First time I've heard a guest who's better at basic math than Dave on air.
I tried calling the Dave Ramsey show two years ago with a question. I did not know that it's not a show that you call in. you have to leave them a message and your question and if they feel like it is good for them to take they will call you and have you hold. so the fact that Dave did not know what's going on tells me that his staff did not prep him on that call
Dave finding out how much Daycare cost is hilarious lol
"I don't have an answer so lets pretend this is not an issue"
Dave talks to single mothers everyday. Nice try tho!!!!
@@mannyjeanpierre4062 Yeah and he also doesnt give them an answer besides "look for a church" lol
I like Dave, but this particular stuff is clearly outside of his expertise.
So far outside his area of expertise
1300 a month is top of the line daycare. The problem is they don’t have top of the line jobs.
@@Bibleguy89-uu3nr normal daycare price not top of the line.
By the same logic, retirement is a hypothetical. So don't worry about it until age 67.
$1300 for daycare is a decent price too. Dave is just not in this stage of his life anymore.
Right? $1300/month is like $7-8/hour for childcare. You can’t get any cheaper than that unless you’re literally paying someone (some grandma from church apparently) below minimum wage.
It was never a stage for the Boomer generation. They were much more hospitable with their community back then, but only because society is more dangerous today.
@@jimmay1988 also wages were better as compared to costs.
Haha $1300 for daycare is stupid. Id rather make my wife become a stay at home until my kid is ready to go to school 😂
How does this caller who is an engineer only have $1200 a month of spare cash? Does his wife not work?
If the Dave Ramsey team is reading these comments, Dave majority (to put it nicely) goofed this one up.
He owes every working parents an apology for being so dismissive of the incredibly real issue this guy was calling in with that we can relate to. He not only dismissed this guy, in doing so he dismissed all of us.
I agree that Dave was dead wrong here. But "owes every working parent an apology" is super snowflaky, dare I say grow a pair.
@@JRealGhetto my dude, I’m a woman. The pair I have are 10x less vulnerable than yours As they are safely tucked up inside me. Also, I gave birth naturally to two babies… I’d say hands down I’m tougher than you are
If you can't afford daycare then someone stays home. I worked in daycare and every parent told me that one of the two incomes went to paying daycare. Then stay home! But they wanted to live beyond their means. They wanted the bigger house, newer car, and to go to the salon every week. Sorry Charlie! When kids were raised at home things were better. The future generations are being RAISED in daycares staffed with apathetic and sometimes cruel minimum wage workers. Wake up America.
So true!
@@letsuseourbrains Replace bigger house, newer car, and salon visits with retirement matches, yearly raises, and health insurance and then you’ll find within yourself a little empathy rather than a load of criticism for the young Americans navigating legitimate issues beyond the scope of personal spending habits, in the realm of circumstance outside peoples’ control.
“Just don’t worry about the hypothetical, that’s in the future” terrible financial advice
I would give this comment a thousand thumbs up if I could!
Horrible advice. Can’t believe he said that!
🤣
You're right on general, but many couples cannot get pregnant on first try, and he said - 10 months from now. So I kinda get Dave's point here. Plus they're debt free.
I don't think you quite get what hes saying. A baby is hypothetical until its conceived and I say this as a previous infertile who made career decisions for years on what ifs......
Dave literally isn’t listening to this guy at all and it’s infuriating. He shows over and over that he does not grasp the situation of the average American now a days… he can listen to people talk all day but he’s not listening to understand, he’s listening to respond… his previous lived experience of struggle is so far gone it seems like he’s out of touch.
💯
Yep
that's why people say we dream of success ourselves but once we do reach it, although we experienced the turmoil before, it becomes a blur because it's not in our focus anymore, and being able to relate to someone going through it is going to be different because we made our own choices and they have to make theirs. life sucks like that because we all go through similar things but not one person has all the answers, so you just be there for support when needed. Dave heard the tone of the caller and took it literally this guy is having a baby because of how concerned he sounds, but hung up because we could go forever worrying about hypothetical stuff that could make things less manageable. he isn't like a young father with no career, he doesn't technically need to worry as if he is one but he is because he realizes how good he has it to have an extra almost 15 thousand a year he doesn't need to touch, and doesn't just want to sink to be like the rest of Americans. Dave should've understood since he is afraid of bankruptcy again so much, he doesn't finance anything even for his business that has so much potential he shouldn't have to be thinking like it's a real possibility, but clearly, he lives like it is. so this guy was just doing the same thing but Dave couldn't see the correlation in being driven in fear of the worst. aka motivation from anxiety, which I have as well lol
Dave had a few of the facts incorrect in the beginning that got clarified
But other than that, I think you’re wrong. Dave doesn’t play the empathy game. Dave tells you like it is. What he said is if you have another kid you can either spend everything you make or you can make more income or you can find a way to put two kids together and save them daycare. And you just got to figure it out if you want to have another kid
He has always been dismissive when it comes to the topic of pricing in babies in a budget, and I get it it's been a long time since he's had to be financially obligated for a child but that doesn't change the fact that kids babies specifically are expensive
I think more people SHOULD budget for a 2nd kid. I know so many people who didn't even plan for the first... Dude thank you for planning for the future.
Dave really didn’t care about this poor guy. Dave always the guy let plan for that coming. But this guy obviously during that, and Dave just didn’t care.
OMG, this guy called in so he could ask for advice about having another child and Dave totally shut him down. Just because they aren't pregnant yet doesn't make this a hypothetical that they don't have to be thinking about.
Some daycares have waiting lists for infants that are longer than a year. Meaning you have to get on the list before you’re even pregnant. Ask me how I know.
What a rude and terrible answer from Dave.
Dave everyday - “Plan for your future you idiots.”
Dave today - “Why are you planning for your future you idiot.”
This made my blood boil.
Yessss!!! I don't understand his response at all. He has no idea!
Poor caller got ostracized for actually trying to plan ahead for a child, rather than just having babies without thinking.
I agree, Dave shut him down!
As a mom of twins looking for daycare, it is Definitely a huge expense to think through before having kids. The good thing in his scenario is their current baby will be Pre-K age and close to starting school so when the baby is born so there may be programs in the school system that can lower their cost of care.
They can’t afford a baby therefore they shouldn’t have one. Simple. They’re doing ok with the one they have. They don’t need another one.
Dave is definitely out of touch. Waitlists for childcare are 8-12 months.I live in Indiana. You practically have to know you’re having a baby to get a spot. I’m only in my 1st trimester and have contacted 45 daycares within a 30 mile radius, and only 10 have openings. Just one is below $300 a week. Even church daycares are $375. This is absolutely something you plan for when it comes to careers and piling up money ahead of time. Im already stressed and I hate that they blew this caller off.
I live in Indiana too, Valparaiso. Where are you?
I think Dave is right. You shouldn't base your life on hypotheticals. It likely will not be that bad when it actually happens.
@@sinclairal planing for another kid is not hypothetical, it is responsible to know you can finically take rare of you kid. Would you like the other way around there they found out they are pregnant and now need to figure out what to do?
@@Engineering2AI and this is why they are actually worried about the population and changing the abortion law nobody can afford kids old people don't get it.
@@Engineering2AI Exactly. People get mad at others for having children without the appropriate financial resources, and then here are people saying the caller is too worried about “hypotheticals”. C’mon now. Be mad at people for having children without enough money or be mad at them because they’re planning well, but you can’t have both. 🙄😒
Dave has no idea how bad daycare situations has gotten for many! It’s expensive and hard to find! You need to plan ahead because of how expensive and how hard it is to find any daycare and reliable daycare.
He knows it's all voluntary and nobody is prepared for it.
All about choices.
Just like he did not know how expensive used cars were becoming.
@@dragonmom8739
You haven't seen his used car collection.
We just paid $525 to be on a wait-list for a daycare and won't even get in until next summer. Our current daycare can't keep enough staff to allow all the kids to be there all the time. It is ROUGH if you want to keep working right now with a kid...
I’m not paying to be on a waitlist
@@alsemm if it's greedy capitalists, how do you explain non profit days cares being just as expensive? it's called basic supply and demand. Since every household must be a 2 income household it drives daycare demand up and there's a shortage thus driving the high costs. If parents cared more about raising their children instead of their own selfish career goals, daycare for single parents would be lower.
I find it a little insulting that he is laughing. I pay $1400 a month in daycare a month which is more than my mortgage. I made sure I did a budget and crunched the numbers before we were pregnant.
Ken’s response was appropriate. Dave was out of line this time, not at all helpful.
We did the numbers and Mama working would NOT be making money, so one parent stayed home - and so we only needed one vehicle. You can make it work, but that doesn’t mean it’s not a struggle to figure it out.
Honest question - I’m doing the math now to see if this is feasible for us. If so, we’d go down to one car as well. But my question is how did the home parent do without a car? I wouldn’t be able to take the kids to appointments or get groceries. Or even free stuff like take them to the park. Wouldn’t be feasible to drive my hubby to work with 2 babies , because he works almost an hour away and leaves at 5 am.
@Lauren
You need to be super intentional. When he is home, prepare for that week coming up by going to get groceries and meal planning, so you don’t NEED anything while he’s away. As for appointments, those are once in a blue moon, not every day (or so we choose to live). There were times that an appointment couldn’t be done when he is home, so I would drive the 1 hour at 5am to drop him off with the kids sleeping in their carseats, so I could have the vehicle that day. If it was simple everyone would do it. As for parks etc, when you start walking to places nearby with the stroller, you’ll notice things you may have missed exploring otherwise. It’s my “job” to make it work without the vehicle, and we chose this, so it’s not hardship, I just have a paid for house faster than my peers - so I get it easier later in life.
Daycare costs way more than my mortgage.
Even babysitters make over $20/hr.
Facts
@Tavari about 30 pct more in fact. And we use one of the cheaper ones.
@@charlessnyder9684 Same. If by mortgage we're not just counting the payment to the bank, but escrow for insurance and taxes, I'm paying 43% more for daycare than my mortgage payment on my $360k house.
Wow, this was crazy. Terrible answer from Dave. He's definitely out of touch with what daycare costs. A better response would have been to break down the budget, see where they can cut back, what they can sell, see if they have side job opportunities... anything other than what he gave. I'm mindblown.
How about just not having another baby?
There's a reason birthrates are at historic lows🤷
It’s not hypothetical. This is real. It is what parents face. They bombed this badly
This Dave is why work at home is popular. I know you all don't like it but raising children is too expensive and not every husband is worth $130K a year to have her stay at home
Still need daycare if working from home!!
@@bettysmith4527 yep. We both work from home and still send them to daycare. Can't work if the kids are constantly making noise or needing things.
@@bettysmith4527 I'd say that's true when the kid gets 2+ years old. It's not always the case, but in my case I work from home with a 1 year old and it's been fine.
This is literally why I don't work and stay home with my kids. We can't afford daycare. :(
I know right..I'm so fortunate that I get a staff discount as I work at the daycare both my children attend!
It's a tough struggle. Really have to rely on BOTH parents to plan shift hours across 24/7. I envy single mothers and mothers with underachieving partners.
Best thing for your kids anyways 😊
If you can’t afford daycare you can’t afford kids. If your husband (assuming you’re married) dies what/how would you provide for your children?
@@carolyn683 the best thing for most of these kids would be to never have been born in the first place.
Finding a "Grandmama" for cheaper than a daycare is all fine until "Grandmama" gets sick and there's no backup plan for daycare. That's part of what you pay for in a daycare, staff to cover staff.
Thank you, exactly!
Caller: I can't afford daycare
Dave: get rid of the kids, beans rice rice beans
😂
OMG, call the news station, people who are actually thinking BEFORE they have another child to make sure they can afford another kid! Someone who actually doesn't expect the tax payers to pay for his kid's expenses, this has to be a fake call!
Honestly Dave was kinda rude on this one, it’s a legitimate problem with young families trying to afford daycare, and he just blew him off.
That's what I was thinking. I agree with most of Dave's advice but sometimes he has trouble stepping away from his own experience. If it wasn't a problem for him, then it shouldn't be one for anyone else according to him.
So basically what Ken is suggesting, is that unlicensed people who are not even related to you take care of your kids. No chance in HE- double hockey sticks!
exactly, "grandma" might seem nice, and she probably is, but you have no clue about the rest of her family, she could have her 50 year old perv son living in her basement!
But that's literally how pretty much everyone born prior to the current generation was raised...
🤣
Yes, what could go wrong? 😂
@@yamamancha exactly!
I love most of Dave’s advice, but he completely skirted the question here. Having life goals and budgeting to accommodate those goals is what he typically talks about, but the ‘don’t worry about it’ outlook would never apply if the guy had said he was just going to take on debt for daycare. As a working mother of three, I know what daycare costs, and it’s equal to a second mortgage for us… worth it, but very expensive. Being in touch with things like this should be standard for anyone who talks to a family about a budget
This dad is smart and responsible for planning ahead. Dave and Ken didn't ask what his wife's career is or what her salary is, but it may be worth them sitting down together and assessing if it makes sense for her to stay home and watch both children or at least going part time. She could possibly watch the children of a friend as well for some extra income. At least until their first goes to school.
Or the dad could stay home depending on who makes more money
No. They should just be happy with the one kids they have and call it a day. They don’t need another baby. They probably didn’t need the first one.
@@Laoriginal718 Nobody NEEDS a baby
@@Sam82631 For real! Or they could swap who takes maternity or paternity leave (assuming both employers offer them the option) to lessen the cost of daycare.
why did dave drop the call so quick? planning and hypotheticals are all valid! smh.
Because Dave knows he's wrong
Because if people actually planned things out - Dave would lose business. 😂 His business is built around people making big financial mistakes.
@@legony1 People are looking for a system and Dave provides that. People are not making mistakes they have options and some are not effective options.
@@donaldlyons17 A lot of people find Dave AFTER they’ve made many financial mistakes. I’ve been listening to his show for a few years now. A minority of people/callers are actually financially responsible prior to calling Dave.
@@legony1 it is way more complex than mistakes in part because if people don’t know how or why would they do differently?
Dave was outright wrong about the cost of childcare and unnecessarily dismissive with this responsible caller who had a very legitimate question.
He is seriously out of touch with reality.
Dave, don't get mad just because you didn't hear, pay attention, or understand the caller's valid question.
He also got mad because he didn't know what advice to give on top of that.
Daycare is just too expensive. My wife is a stay-at-home mom, and she is absolutely loving being at home with our 3-year-old daughter. Has it required us to make significant financial sacrifices? Sure, we can't afford a home at this point, and live in a 1200 sq. ft. apartment. But it is all worth it seeing how our daughter is flourishing being taught and educated by her mother all day.
For us it's not about the size of the home we live in, or what money we have left over to spend on entertainment, expensive vacations, etc. It's about getting to be there watching our daughter grow and learn every day.
That is correct, my parents didnt put me on daycare too so why would i put my kids on it? Dosent make any sense id rather make my wife work as part time so she can spend more on my kid.
This I'm surprised I'm not seeing it more. My wife is a speech therapist and it makes better financial sense for her to stay home with the kids, and its better for the kids. They are Leaps and Bounds ahead of their peers in so many ways.
Why didn’t you just wait until you were in a better financial position to have a baby. Why would you wanna raise a baby in an apartment as opposed to a home? 🤦🏽♀️
@@Laoriginal718 There are plenty of families in our apartment complex with not only one child, but two or three. They are obviously not financially ready to own a home either, but they have told us they're still happy, and they did not want to wait to have children. Indeed, for some, owning a home may never be a possibility.
Owning a home does not determine the quality of life of someone or their children. That's a lie of our American society. It's better to live in an apartment and be smart with one's finances than to struggle to survive under a mortgage that makes a family house poor.
This is one of those videos where Dave shows how out of touch he is with reality. He completely blows off and invalidates the man’s VERY reasonable concerns.
Yes, that was rude.
Even reality is out of touch with reality these days...
Dave embarrassed himself on this call. He couldn’t keep up w what the caller tried to explain, he got confused and then tried to act like the caller made a mistake talking about “hypotheticals.” Dave’s age really showing here.
Sometimes you just can't afford to have another child. It shouldn't be stigmatized. Math doesn't change.
This is why I became a stay @ home mom! I would be working just to pay day care.
Same here
Yes, but then you give up too much control to your husband, who will now hold it over your head that "I make the money, so you do as I say"
Same as my wife and thay was with a 50k+ year job
@@EmpressMermaid that's an example of a horrible husband! Not all husbands are the same.😉
@@EmpressMermaid not all husbands are like that
This is why it's important to be near your family when you have children and optimally the mother stays home as a Homemaker
Don't have kids if you are counting on your family
@@perotal maybe your Family... Sad
@@maximusdecimusmeridius5438 no, I just don't want to bother my family with the choices I made.
@@perotal maybe ur family just don’t care about you and ur child just say that. Over here we teach our child on our own at home until kindergarten it’s not about not affordable it’s about not trusting the daycares people just apply because they need a job we want our children safe
@@perotal Kids are a Blessing to their Grandparents and are a joy to have around and leave an impression on before they pass.
My wife and I made the tough decision to pull our son from daycare. There are not many options and they are all expensive. The prices this guy is quoting are average at best.
She is now at home full time with him and I am bringing in our income. It’s scary but this is what many are faced with.
This guy is trying to plan. And Dave just ignores it and hangs up?
People's salaries don't always go up every year.
Whose fault is that? THEIRS.
@@amireallythatgrumpy6508 no but always good to plan out your additional expenses
@@amireallythatgrumpy6508 What?
You're saying it's the callers for for wanting to plan, and Dave just ignores him?
@@jimmymcgill6778 If somebody's income does not go up each year, they have either done something wrong or made an intentional decision to either change fields or reduce working hours.
@@amireallythatgrumpy6508 Income does not go up every year.
I've been listening to Dave Ramsey and watching these clips for a long time, and the way he treats an individual who I would consider one of the most financially responsible callers I've heard call in is frustrating to listen to. Mike, if you read this, you aren't doing anything wrong, you're doing great, and your concern is valid. Ramsey team, if you read this, you dun goofed. Preaching financial responsibility and then treating a practitioner of it in this way is not excusable.
Noted and appreciated. I'm glad that I'm far from the only person who worries about this situation, however it is a shame that SO many of us have to.
Childcare is not something to cheap out on. Its hard to find quality and reliable care.
Hard to find when there's 2 parents? One works the other raises the kids?
Most people wont be able to find a random "Christian Grandma" willing to nanny for two strangers toddlers for cheap. Sure look around. But toddlers are exhausting, most grandmas are poor or working themselves, and the ones who dont need to work probably are having fun watching their own grandkids. Or having fun doing their own thing that isnt caretaking. By all means if you cant get that type deal though, and can do so in integrity, go for it.
I worked in many daycares. If I had a kid i wouldn't put my kid in one
May I ask why? Curious to find out what you think is wrong with them
@@michellesapisces8349 as a previous preschool teacher, many owners are greedy. There is also a lack of great teachers who are caring and patient with the children. I would never put my child in a daycare or preschool. Plus the high fees for the children never trickle down to the workers.
@@TheJoyaMassey very true I got paid very little and it was the hardest job I've done
I'm glad to see everybody else is upset about the way that this was answered. Daycare is crippling a lot of families right now. Daycare providers are in a severe shortage at least in my area and they're very well aware of it. Daycares are using it to their advantage of squeeze out even more from families. My wife and I are lucky we're in a good financial spot so eventually we decided that it was best that I work and she just stays home until they get to kindergarten. My thought is always been if you have two kids you're on the fence about needing daycare or staying home depending on what the spouse that makes the least amount thing can do. We're using this opportunity now for my wife to go back to school and get her master's degree so when she re-enters the workforce she has potential make even more to try to recapitalize some of the money we missed out on.
What was Dave smoking before this call?
😂😂😂
Weird. I was taken back seeing the negative comments but after listening I agree, Dave was very cold and annoyed with this guy. It’s true childcare isn’t cheap no matter the way you slice it. I don’t care if you do nanny, daycare or a babysitter it’s all expensive and impossible to find now a days. I was hoping to get some real advice here
The answer is simple. Either get a better paying job or don't have another kid.
There needs to be more of call calls of people making around 120k gross or 7400 net in Connecticut
Even with a potential mortgage of $1900 a month including taxes and insurance-25% on 15
Tithe of 740
Retirement of 1500
Then regular bills like food , utilities,
Only leaves $1000 a month for daycare , sinking funds, vacation which is nothing..
so please tell me how people do it when two people make the same amount and work first shift jobs..
yall NEVER ANSWER DAYCARE QUESTIONS !
If you are planning to have a child you absolutely should be planning even if they are not conceived yet
Lol one of the worst responses I’ve seen out of the Ramsey crew in a long time. No insight or direction on how to build a family. Just shut down and hung up on…
Dave, this is the reality of many young families today on some parts of the US. Many have to be a lawyer, physician, or an engineer to afford children in daycare. You are "privileged" but not everyone else is.
Life has just gotten way too expensive for most Americans. Even folks who on the surface look like they have it all together like the caller (no debt, good job, own a home, etc…) are crunching the numbers and realizing that having/expanding a family doesn’t make smart financial sense. This is a real problem, and the caller is being smart planning ahead.
That's ridiculous. People in much poorer countries than ours seem to be able to make it work. Maybe it's because people in our country think that you need to live in a 3000 sf home and go to disney world twice a year. Maybe it's because people in our country aren't willing to make sacrifices for their children.
Loooool I cannot believe how out of touch this answer is. The percentage of younger generations being child-free is skyrocketing because in part of daycare being essentially a mortgage payment.
I don’t have kids but my boss told me how much he pays for daycare for his daughter and I fell out of my chair. Dave became a deer in the headlights when he realized this isn’t a budgeting problem.
Dave Ramsey I paid $1400 a month for a new born at daycare in Oklahoma. That’s the average cost of daycare… I hate when people say I shouldn’t pay that much but It the cheapest I found. My daughter is little older now but I still pay $1,100 a month…
You can prob save more if there any income base daycares around you!
Daycare is absolutely insane price wise. It’s nearly impossible to afford more than one kid in that 0-5 age bracket.
We have 4 under 5 and it’s a struggle. Fortunately I work from home and my mother in law has helped a lot, but if I had to physically be at work, it would easily cost us close to $6,000 a month. Would be cheaper to send them to state college
Dave did not handle this call right. Daycare is super expensive and this caller is being smart and responsible by considering how expensive childcare is before having another child.
The question was not answered. Many households are struggling to pay for this expense.
The Dave Ramsey Show actually put this video out on YT?? It made Dave look horrible. He didn't pay attention to the caller, and then hung up on the guy because he's trying to figure out and plan for the future. He's an Engineer!! That's what they do! The caller respected you enough to call to get your opinion. You didn't show the slight bit of respect back. Dave, I mean this will all sincerity - it's time for you to retire. Lastly, the guy sitting next to you just needs his paycheck; that's the only reason why he's acting like your boot licker.
Nope. He's not 70 yet so it's too early to retire.
He should work until 90, this show is nothing without Dave.
Dave’s become the “get off my lawn” guy.
If you're one of those women who don't care about anything and have babies everywhere you get free child care.. This is some America..😂
me listening to Ken: my mind: *babysitters and daycare workers on the news*
Laws that limit how many kids per adult a daycare can have have been put on the books in many states since Dave's time this driving up the cost of daycare and has made no difference in safety like it was intended.
There is a severe shortage of people willing to work in child daycare. I doubt raising the number of kids they can be responsible for will help matters.
Not everyone has access to the community where they can give their kid away for someone to watch 8-12 hours a day. People are weird now days and children are vulnerable. Also not planning for kids is how some people go into debt sooner. Already broke but let’s have a kid and figure out the rest later 🥴🥴. Then many Americans work multiple jobs to survive at that. Totally makes sense.
Even planning does not fare tee success it just improves the odds.
Absolutely. It's why people are stuck living near or with the children's grandparents (aka "Roommates").
Dave just assumes all jobs give raises to beat inflation and extra expenses every year and there are hundreds of choices for anything we need, like the world is a buffet and we can just pick and choose whatever we want by saying the magic words "next." I mean, even if they found a cheaper daycare (good luck btw), there is probably a waiting list. Ken's advice was good, and I agree you can't deal in what-if's but then again... isn't the emergency fund for "what if's?" There is just so much to think about, this guy is right to be concerned and plan ahead. Good for him!
I don’t agree with Dave today. I don’t like how he just hung up on the guy basically. Hear him out, help him plan. Everybody has their question
Dave’s cohost saved this one. Dave was so rude to this guy
I personally find it hilarious that the response to “I’m not sure if I can afford another baby” is “just [stop using protection and] let god decide.” A+ financial advice. 👌
Who’s saying that?
It’s not like the caller was asking about what happens if he gets stuck by lightning. He’s talking about a highly probable event of having another child. And he knows the price on it
Dave didn’t have a good answer so he just brushes the caller off as it’s not the smart thing to do to consider the affects of another child.
Worst answer I’ve ever heard on this show. Seems as if multi millionaire Dave doesn’t understand the affects of rising childcare costs to the average family.
Dave is beginning to appear as a guest now.
He understand that’s probably why he’s laughing.
Time for people to think and do the math on their own. They are the broke ones not him.
Dave got other things going on probably with his grandkids as well.
Daycare here in Washington is 2000+ a month before taxes so Dave has no idea what he’s talking about in that subject.
Honestly the fact that this caller is putting so much care and planning into providing for another human before actually making one is commendable and majority of people I know don’t . So many kids living in motels and in cars and in poverty in this country as it is.
Wow Dave doesn’t seem to care. Daycare is expensive!
He meant is to have more options than that stupid daycare
I think he cares, he just doesn't get the life of the average person anymore!
Wake up! This may be “hypothetical” for them but it is very real for many people. You’re dismissing a large part of your audience who has the same question! This is a cultural concern and you need to educate yourself better on this issue.
I was sent to a less reputable daycare as a kid and it was amazing how bad it was. I told my parents stuff I saw and they almost called the police. The point is, the “daycare” looked reputable enough at a lower cost my parents could afford at the time, and some of the kids were younger than me and weren’t able to understand how bad the situation was and weren’t able to communicate it to their parents. So NO a non-reputable daycare is NOT a choice I would recommend.
Daycare is atrocious. I was in Brooklyn when my son was ages 0-10, we did daycare for him from age 3-5 only (this was 2007-2009) and it was SUPER expensive at 450 per week. The place wasn't fancy by any means, but they were clean, responsive, good with the kids. The whole "looking for a third party" to mold into a daycare situation is NOT feasible for most people, most people live very far away from actual family members, and at minimum a licensed daycare center is legally accountable, can handle med emergencies etc.
Really surprised by Dave's response on this one, the guy had a legitimate concern that was just dismissed. Why wouldn't you try to plan ahead when trying to add to your family if you can afford to do it or not. Think Dave missed it on this one
We’ve been Ramsey fans for a while, but lost some respect for Dave on this one. They WANT another child and don’t know how to pay for it, and they’re trying to make a plan to not go in debt for the child. Getting pregnant before a financial plan would irresponsible, Dave!
What a unloving and wildly rude thing to do, hanging up on a man who is planning to expand his family.
He literally said “If I knew how great grandbabies were I would’ve been nicer to their parents”
Lost all respect right there.
Has anybody in the history of the world ever thought to just not have kids because they can't afford them?
Once you have a baby you see how powerful the experience is. It’s natural to prioritize it even at the expense of financial hardship.
@@MAMP Well, except that eventually many people end up broke, and guess what, other people now have to pay for your "powerful experience".
Me! 🙋🏻♀️
Go ahead and have the baby and deal with it as a crisis as soon as the baby is delivered. Thanks Dave.
Time for mom to come home and take care of the kids. That second wage goes to paying for day care most of the time. Basically mom is paying someone else to raise her kids with their values, not hers.
So, basically Ken is admitting he thinks sweet little old Christian ladies should be underpaid for their work?
Basically
Daycare isn’t cheap, having kids aren’t cheap. It really is another expense!
Sadly, the older Dave gets the more condescending he gets towards his callers for no reason. It’s pretty clear he is over hosting the show. He’s turning into the “stay off my lawn” guy. Don’t think I’m the only one who’s noticing.
I think he is just tired of the job. It mostly the same calls all the time. People can pretty much find their answer from old videos from him at this point. I'm done watching this show after seeing this.
I think the way dave handled is not great but imo, if you think day care is expensive for a second child and you think it is an additional expense, then dont add another one… sometimes, things doesnt work the way we want it to be, i would rather have one child and give the world to him/her.
This is the main reason why my wife stays home. When she considered going to work and we asked about childcare we were quoted $1200 per kid. We have 3
We live in Texas and we literally have no relatives in the entire state. It’s a hard reality that Dave doesn’t understand at this point.
Even if you do have relatives they have their own lives. If you can’t afford daycare don’t have kids.
@@Laoriginal718 what a stupid suggestion. If that was the case you’d never see kids anywhere and only millionaires would have them.
It’s not exactly not being able to afford, it’s the cost associated and how it keeps going up, it doesn’t make sense to work a full week only to pay every earned penny to child care, but how would you understand if your solution would probably be “sell the kids” or “dump them somewhere”.
I only mentioned relatives because that was one of their suggestions.
LOL, Dave didn't know what day care costs. Ken being beside him also copped out on the answer.
$1300 is pretty good for day care. My wife stopped working because day care was too expensive. Like, she was working just to pay for day care.
Im starting to realize that Dave is not very bright. Dude thinks it’s still 1970
Dave didn’t listen to this man at all! So disrespectful and sad. Babies are a blessing yes of course BUT they are also extremely expensive. Not everyone has the bank account to support everything a newborn requires and the guy was just looking for a little advice as to how to navigate a situation that so many people don’t think about until it’s too late. This is one of those calls that just proves that Dave is really out of touch with reality. Dave’s money is blinding him from the struggles of every day people.
Is there anything that isn't out of touch with reality these days? Even reality is out of touch with reality!
Why do you need another kid? Can’t afford it
This was a frustrating call. This is where it really shows Dave's age and disconnect when he doesn't understand or BELIEVE the cost of daycare. Ken should have done a better job taking over the call. Rachel/John/Kristina would have been a better host for this question.
Definitely, Rachel would have handled it better.
I can’t afford daycare either. Never mind I don’t got no kids 😂😂😂
Same and I cant eather geeeesh! 😂
Yep I feel sad and angry I missed out as I am in my 40s now ... but I know why women require six figs today for dating when I discovered Redpill. It is not greed but just so she can stay at home with her kids and I can pay for them
@@timothygibney159 Dude you have not missed out on having kids. It’s up to you at the end of it all
@@timothygibney159 If you are the biological father, why wouldn't you pay for your own children in some fashion or other? The median income for American males is $34,600/year; let that sink in. Most 2-adult households NEED two incomes just to survive. Since you are Red Pilled, you should already know that most American males' 1st marriage is around 30 - 32 years old, American females are 28 - 30, and because her ova start to decline around 35 years old, that is not a long window of time to have healthy babies/children.
Now if you are talking dating single/divorced mothers, just don't do it. It's way too complicated.
If this is what the Ramsey show is going to become, he’s gonna lose a listener out of me. Dismissing the guy for planning ahead? Telling him to not live in worry for something you clearly don’t understand?
Same. I’m really starting to not like these calls. He’s so rude.
They should check with their daycare to see if there is a discount for the 2nd child. In my experience it’s about 10%. That would help a little. Also, they could see if they could make a little more money now and like they did mention find another daycare, but still make sure the quality of care is good. Oh yeah and check to see if their jobs have a Dependent Care FSA to set aside tax free money for daycare expenses.
This guy should of called you.
Good answers here
@@MAMP thanks!
Can't afford daycare?? Stop having kids!!!😂
It takes one littler hole for one of his swimmers to get out.
But Mr. Dave Ramsey has Baby Rabies!!😅
@@jimmymcgill6778 Pregnancy is not something that just "happens" to someone - it's 100% preventable except in the case of crimes.
@@mikewright2858 It is not always preventable.
Woman have gotten pregnant when they were on the pill.
It a man uses something. It can have a small hole in it.
If the daycare costs more than you or your wife makes, you should quit that job and sit at home and take care of your kids
I've watched hundreds of Dave Ramsey videos and i can recall in numerous videos where he says kids aren't that expensive and I've never understood why he says that when most daycares are anywhere from $800-$1200 a month