I'm Afraid We Can't Afford Daycare!
Вставка
- Опубліковано 16 вер 2024
- 💵 Create Your Free Budget! Sign up for EveryDollar ⮕ ter.li/6h2c45
📱Download the Ramsey Network App ⮕ ter.li/ajeshj
🛒 Visit The Ramsey Store ⮕ ter.li/7vyom2
📞 Have a question for the show? Call 888-825-5225 weekdays from 2-5 pm ET or send us a message ter.li/n88ly5
Explore More Shows from Ramsey Network:
🎙️ The Ramsey Show ⮕ ter.li/ng9950
🍸 Smart Money Happy Hour ⮕ ter.li/9gcp3d
🧠 The Dr. John Delony Show ⮕ ter.li/2u3mc0
💰 George Kamel ⮕ ter.li/1elws8
💡 The Rachel Cruze Show ⮕ ter.li/n2u6jc
💼 The Ken Coleman Show - Highlights ⮕ ter.li/1rbjr2
📈 EntreLeadership ⮕ ter.li/ktxv2k
Ramsey Solutions Privacy Policy
www.ramseysolu...
“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
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 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.
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.
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
By the same logic, retirement is a hypothetical. So don't worry about it until age 67.
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.
$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?
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.
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!
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!
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.
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
“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......
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.
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?
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.
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.
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.
Caller: I can't afford daycare
Dave: get rid of the kids, beans rice rice beans
😂
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!
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. 🙄😒
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.
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.
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!
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.
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.
It’s not hypothetical. This is real. It is what parents face. They bombed this badly
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?
There's a reason birthrates are at historic lows🤷
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
@@shayna8324 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.
Dave gets harder and harder to listen to every year. The foundational principles are still solid but man is he out of touch.
He probably has better things to do in his life now.
Retired at 49 knowing that feeling.
Time for people to stop sipping Brawdo. Think and do the math on their own.
@@blackworldtraveler3711 if you have a general question on the principles, sure call in, but getting into the math with him doesn't help. He doesn't know what things cost anymore
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
He literally said “If I knew how great grandbabies were I would’ve been nicer to their parents”
Lost all respect right there.
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.
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.
Im starting to realize that Dave is not very bright. Dude thinks it’s still 1970
Sometimes you just can't afford to have another child. It shouldn't be stigmatized. Math doesn't change.
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.
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.
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!
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.
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 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
What was Dave smoking before this call?
😂😂😂
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?
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").
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.
The problem with people these days is that they POP out kids without properly managing their finances AHEAD of time. Many argue that there isn't a GOOD time to have kids but there is certainly a BAD time to have them.
Somehow people in countries much poorer than ours figure out how to make ends meet and still live happy and fulfilling lives.
@@gatewaysolo104 if they new how to make ends meet they wouldn’t be poor in the first place
Dave, the staunch Republican who doesn’t want his tax dollars paying for your child’s daycare. Yet he says “JUST HAVE BABIES DONT THINK”
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…
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.
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.
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.
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
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!
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.
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.
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.
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.
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.
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.
$2,200 for a newborn in daycare where I live!
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?
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!
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 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.
Dave’s cohost saved this one. Dave was so rude to this guy
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.
I’m sorry but what? This is pretty terrible advice. I usually look up to Dave’s advice. But planning for a kid is definitely financially the right thing to do.
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.
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
Daycare here in Washington is 2000+ a month before taxes so Dave has no idea what he’s talking about in that subject.
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.
The question was not answered. Many households are struggling to pay for this expense.
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!
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.
The answer is simple. Either get a better paying job or don't have another kid.
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
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
me listening to Ken: my mind: *babysitters and daycare workers on the news*
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.
"If I knew how great grandbabies were gonna be, I'd of been nicer to their parents." TF!? Those are your kids dude! Tell us you don't see your grandkids because their parents don't speak to you without actually telling us.
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!
So, basically Ken is admitting he thinks sweet little old Christian ladies should be underpaid for their work?
Basically
Ugh. So out of touch. I think some empathy around what this guy was actually asking would have gone a long way. It should be noted that Dave who structures his whole financial mantra around the hypothetical financial disaster (I'm not saying that's a bad thing per se), just blew this guy off because he was just discussing a hypothetical. Also, daycare sure as heck costs that much...on the lower end.
UA-cam producer, please talk to Dave and let him know his opinion on this was not anchored in fact. Daycare is expensive and planning is good. He is pissing off an entire demographic of people by being dismissive and literally wrong. He should of simply told the guy to weigh priorities and cut back on saving for retirement each month. That is how everyone else in those baby steps makes ends meet.
Yup, sadly retirement savings is really the only place that we can cut to provide more cushion. I guess we could save $75 a month by not going out to dinner twice a month but you gotta live a little.
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..😂
Did Dave Ramsey just act like a father trying to get a plan together for a second baby was mentally I’ll and stressing out over nothing? Yeesh. Definitely lost respect for the clearly aging fella. Love that the co anchor covered for him by offering actual help.
Time to retire, Dave.
Go ahead and have the baby and deal with it as a crisis as soon as the baby is delivered. Thanks Dave.
“We’re not going to worry about hypotheticals dude” and laughs. Wow
Dave is out of touch with today's childcare. His children are all grown.
They didn't really go through his budget. Is his wife working? Are they in debt? She might make less than their child care would be with two kids and would be better off staying home with them.
Don't have kids that you can't afford...
yeah Dave, let's not worry about hypotheticals... in fact, let's just run up the student debt for a job that won't pay it back either
Dave is so out of touch about this honestly!
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.
Dave was condescending and dismissive, I see that most of us agree however our comments do not matter because by his own admission his staff will not tell him about negative comments. I'm a Dave Ramsey convert but he was wrong on this one.