My Financial Situation Is Worse Than I Thought!
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- Опубліковано 18 бер 2023
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Even the dog is very concerned.
😂😂😂
He's about to get sold, of course he's concerned 😂
😂😂😂😂😂
You guys made my day lol 😂😂
HE WAS BASICALLY..SAYING ITS ALL HER FAULT.
I was going to Japan for my Birthday but there is a voice inside my head. Tells me "Broke people don't go on vacation" 😂😂😂
And Japan is really expensive!
Sorry!
This show always makes me feel great about my single debt free life
Same mate, when I do get married I'm not going to let my wife spend us into the poorhouse either
I agree! We live in MO. Live very simply. We've been out of debt for over 30 years, not because we've made a lot of money, we sure haven't. It's a penny saved, a penny earned people. We haven't spent a dime on interest for over 30 years. We've got to are good decisions. You can do it's so worth it!!!
same here, I am single and debt free, but I am 71 and may retire soon and will never get married again.
Same
Yes.I’m glad I do not have these issues.
Dave still tends to think these companies care about you more if you're onsite. They care about their bottom line. That's it. Nothing more nothing less. If cutting you means making a target, guess what? You're gone. Onsite or not
I’ve been working remotely since well before the pandemic.
It's boomer logic. I'm surprised that he doesn't believe a tie is required to do work too.
That isn’t what he has said at all. Businesses see where there is a lack of efficiency and get rid of what isn’t performing as well. There is also an element of out of sight out of mind
@@stephenshelton4267 Yeah I can see the tie being handy to strangle someone with if they don't do their work or a good job lol (joke!)
@@stephenshelton4267 A tie isn't require to work.
Dave face when she mentioned that the remote workers were the first to get laid off, haha.
Dave was the person who said remote workers were the first to go , not the caller
@@mtbokor1969precisely. His face said I told ya so.
I actually think you should feel overwhelmed and stressed if you are in that much debt. If you didn't then that would be a bad thing IMO. That stress is what drives us to do what it takes to fix the problem.
Great point
Sometimes you can’t fix it. Can’t get blood from a stone so might as well resign ourself to the destructive element and say F it. Try and enjoy the day to day.
@@drewdelaney4166 huh?
Why would you have all those kids and drive yourself into so much debt? I don’t get it.
i love that your gonna live like broke people . Im debt free and have savings {living off of it} I still live like broke person because thats how I had to live to get to where I'm at.
Yup. Clothes at the local second hand store. Very little meat. Lots of eggs and veggies
Sounds like she has a choice to make: send the kids to public school and find a job, or continue home schooling and work nights or weekends. She gets to choose how it's gonna hurt. People in the comments crying about "have you seen what public schools are like lately?" "being a stay at home parent is a job enough" yeah ok well then she will continue to live like this instead. Tough times call for tough decisions and sacrifices.
Sounds like religious people who think their way is the best way.
Truth
Facts!
She could still work from home and send the kids to school she could probably get more work done with them gone even if she finds another remote job.
@@shachede6828 exactly lol then they get the grind on
That’s actually a good income, $80k+ with only $80k debt is 100x better than everyone I know and I hear.
that’s very low in Cali and I totally understand why she stressed out.
I was thinking the same. 😳
true. any time someone says their debt is about 1yr of income I think thats not bad, unless you make $50k and less, then it can get tricky due to living expenses eating up your budget
@@dt6750 Caller is from Central CA. 80k in that region is pretty good.
Heaven forbid she put the kids in school and gets a job.
And stop with the "mission trip" when you have four kids. They probably also tithe to their sketchy church. Even though she homeschools and used to WFH she likely also has a leased minivan.
Maybe she doesn’t want her kids indoctrinated and doesn’t believe in having other people fund her kids’ education. I’ve found that the most lazy people work in the office by the way because they use the office as their social outing.
@@Me-fd2yi Doesn't want her kids...educated? Doesn't want to go to work with the....lazy people? OK, gurl.
@@matthewgardner2144Sister and her husband are broke with no retirement income in their early sixties. However, they tithed 10% to their churches their entire marriage.
LOL listening to The Dave Ramsey for cardio ,must have been an intense workout
I do the same while on the treadmill lol
LOL
I admire her for learning something during her cardio time.
😂😂
😂😂😂😂😂
Compassion and solid financial advice from Jade and Dave. Makes this show special.
I wish they’d asked what the loan money was used for, and how much the car loan is. Husband should have cancelled going on the mission trip and got a refund. They’re broke. Men don’t go on trips and put the family at risk. Bottom line, this was a good call and these people are going to succeed.
Um it may not be refundable
Homeschooling four kids AND working remotely. Either the kids or the company is getting the short end of the stick. Maybe both 😮
Why? She’s only earning $1000/ month so it is obviously part time and homeschooling can be done in 3-4 hours a day.
hopefully the education includes what not to click on when there's no Ken Ham-branded nannyware on your computer. oh the hamanity!
@@joycewright5386 We’re missing critical information to make an informed conclusion. Dave left this one with some loose ends
@@jordandowland7256 agreed
They have online homeschool programs. The parents don’t have to do a thing anymore. Other then making sure the kids log on everyday. Plus made she works the evening shift.
1000 a month? You can make that waitressing on the weekends. 🙄
Some people really make a mountain out of a mole hill.
Yeah, but she was likely doing nearly zero actual work for that money. Working from home while dealing with 4 kids, home schooling, dogs, and chores? That company was paying her out of charity.
Daves expression when he heard all the remote workers were being let go. He looked so happy to get eveidence to support his stance.
3:16 She has 6th, 4th, and 2nd grade, plus a one year old. If we are talking about a team effort, the school age kids can be in public school, and she can do *something* part-time to bring more 💰 into the household. Hubby can get a vasectomy too, then the potential of a 5th child being inserted into this is avoided
You are 100% correct. No more kids, more working and get those kids in school. She needs to help!
The kids are in school… just not public school. My opinion is homeschool is an important priority so I’d rather work evenings or weekends and still homeschool. Also once you have a couple kids, they don’t get that much more expensive with each additional one. As long as you’re still using hand me downs and not buying new baby gear each time. They’ll start to get expensive closer to teen age again but at that point these folks can have their debt cleared and teenagers can get jobs for the things they want, not necessarily need.
They live in California too.. that's the toughest part
6:00
That’s funny because I sit down every pay period and look at what I can afford.
Right on brother (high five)
Solar Loans are the new trend that are screwing people over. Like the third episode in a month where a caller had a solar loan.
Solar leases remind me of time shares. Never get into a payment plan for something you don’t need.
It's obvious that remote workers are the first to go. If I need to lay off someone, it's much more likely I would lay off someone I've never met.
I think it depends on the industry and type of work, truly.
Absolutely. Everyone wants to quit traveling to the work place and work remote until they have to sign the agreement of keystroke and webcam monitoring during the work. It has been getting folks knocked out of the remote workplace since it started and more so lately.
@@ctb3343 I take a college class remotely and they do all of that same monitoring to us.
FYI, Dave hates work from home because he owns a commercial building that relies on his company paying him rent to come into the office imo. I work from home, I am 20% more productive than I was in the office.
What about when he was renting a facility to run his radio show out of and still didn’t support working from home?
He makes great points *why* he doesn’t support remote working. He doesn’t say much about it in this video besides those positions are being the first to be let go right now, which is true.
@joyfulhomemaker8053 when was that? The work from home conversation started post pandemic, he has had his commercial property then, he has touted the value of that property multiple times over. It's probably 15% of his net work at minimum
About sums it up. Most of it is because of long term office leases companies signed - if wfh then companies will be wasting money. That and micromanaging.
What is the point of all this technology then if it can only be used to make life more complicated? The past few years illustrated it works and without wasted commute times efficiency went up for most workers.
@stevenporter863 yep, Dave gives great financial advice to 90% of the public, but to often he let's his worldview and personal circumstances cloud his judgment, that's not unique to him, but most ppl don't have his platformm
@@mcleananderson4948 Ramsey will discuss financial peace with anyone… even the 10% you believe he ignores. But he is going to lead w what the Bible teaches about finances as well as using hard data.
I never understand why these people wait to calculate the debt after they take it out. How can you be this irresponsible
Yea thats why I never really got into debt...don't understand the thought process of taking out a bunch of debt then worrying about it after its done. Common sense is really rare these days it seems.
Debt is so normalized. People are trained not to think about it until they realize they can’t pay anymore.
There is a 9 episode podcast “borrowed future”. They specifically only address the school loan crisis, however, you will see how it bleeds into everything.
@@tristan2332 There is really no thought process going on in the brain when people take on a lot of debt (when they didn't have to).
And she’s her children’s only teacher . . . 🙄
@@genxx2724 you think teachers aren’t equally as ridiculous w their finances?
Love the hope Dave and his crew bring others every story….
… minus the work from home doomsday comments.
I have these friends who are 50 yrs old and whe they were in their late 20s had massiver debt, but they both had good paying jobs. He told me him and the wife sat down agreed to the Ramsey plan and they did for 3.5 yrs and became debt free and now they live like royalty
Tutors can make between and 20 and 50 an hour. Perhaps gain a couple students to work with a couple nights a week?
Just because she homeschools, doesn't mean she's qualified to be a tutor.
@@ga6589 I think OP assumed she’s a credentialed teacher. A reasonable qualification if you’re going to teach your kids yourself.
@@genxx2724 Most of the homeschool parents I know do not have any professional qualifications.
@@ga6589 You stated a fact. Have you drawn any conclusions from what you’ve observed? That would contribute to the discussion. And I’m not even a teacher.
@@genxx2724 My response was directed at an incorrect assumption that one needs credentials or qualifications in order to homeschool. Beyond that, I'm not looking to get into any debates about homeschooling.
Moved from Fresno county a year ago and so when she called, I was expecting her to say it was a lot worse. Even though it’s bad this definitely is doable for sure.
I prefer a hybrid mode of work. You should absolutely be in-person so that you can meet your colleagues and network etc. but having the ability to WFH every so often brings so much flexibility to your life and allows you to build a family. I think we should encourage hybrid work as opposed to “all or nothing” either way
I'm a firm believer you should work from the office. Or just accept less pay if you want to be slightly lazy
@Novak D then don't work for them. Or work for a reduced wage. It's pretty simple
@Novak D that’s when you move to the workplace of find the line of work near you. If you have great performance history, it isn’t hard. Experience speaking here
These folks have been realizing that the keystroke/webcam monitoring is more intense than having the boss look over your shoulder. Lol People act shocked when they get fired for goofing off during remote work
I love hybrid, wouldn’t want it any other way
I’m starting to work I on my debt. About 20k car loan & cc just started a new job …..I wish this were on spanish para todos mis amigos Latinos. 💕
Buena suerte!
A echarle ganas Talía! I follow Ramsey and also his student turned teacher Andres Gutierrez in Spanish @ElShowdeAndresGutierrez great advice similar to Ramsey but with Latino twist. Es maravilloso vivir sin deudas! Mucha suerte 🍀
There is. Andres Gutierrez is the latino version, approved by Dave Ramsey.
This is a great example of what's about to happen: work from home people are easier to lay off.
It's not truly feasible doing the Dave plan if you're supporting a family in CA on $90 - $95K per year unless you're living like you're partially or fully homeless. They may want to consider moving to a cheaper state to follow the Dave plan to completion.
She should home school her dog
I would have let her go too. You cannot homeschool/care for young children AND effectively work a job at the same time. And Dave's "yeah, we are finding that remote workers are the first to go" is completely bogus and he is saying that to validate his own beliefs that workers should not be remote. After all, HIS workers are not.
Yep
I agree with the first part of your comment, but not the second.
And a one yr old baby! Maybe if you can catch up in the evening when your spouse is home but still...
A lot of big companies have reported higher productivity from people who work on site. With some businesses, it is more efficient for them to not rent out the office space, and some more efficient for workers to be present on site. The way I see it, a lot of people are saying they are just as efficient working at home to validate their own beliefs, just like you say Dave is doing. 🤷♂️
I disagree with the first part, but agree on the second part. Lol. She said ALL remote workers are being let go. Nothing to do with her job performance. And also for all you know she does her remote work in the evening or weekends, when her husband is at home. She only makes $800 to a $1000 a month. So perhaps she only works a couple of hours a day.
My company let go of remote staff that did phone work precisely because of the kids and dogs in the background, as you heard on this call.
Has they should let them go remote work is for lazy people
Yes!!! I own an auto repair shop & talking to remote adjusters- they was always apologizing for their kids, dogs, etc in the background! It didn’t bother me but many must complain as I usually got what I needed from them- probably because I was understanding! 😂
Insurance agency wasn’t answering the phone. They were only returning calls. When they called me, they had a rooster incessantly crowing in the background, making the call very difficult. Totally inappropriate. Another time with another company, I was transferred and my call was answered immediately (probably so they didn’t get in trouble re the queue) but I was immediately put on hold for a long time. I suspect she was in the middle of something complicated in the kitchen. She gave me what I needed. Probably afraid I would complain.
Remote workers are unprofessional, lazy and entitled.
@@genxx2724 I just got off a call with insurance company. She really didn't sound interested in helping me. THEN a loud crash, falling rumpled papers/files falling & hitting floor? Scrambling for them. It was loud. Continued on, not motivated to help me. I was sad 😥
So my life is a wreck and I just did the numbers because we are stupid.
Better late than never I guess.
Her and her husbands had the blinders on!!!
😅😅😂😂😂
Debt is so normalized that this happens all the time to so many people 😢
Who is controlling Jade’s head nods 😂😂😂
As soon as I read this I looked at the video and she was in the middle of nodding 😂
Brain in gear doesn’t mean the head has to nod. 😂
Either it's some sort of neck-based cardio, or she's a bobblehead.
Hahahahaha can't unsee it.
Get rid of the pets. A dog on average costs $20k over its lifetime. So many are pet poor. You’re broke, you can’t afford a dog.
I never heard of the Ramsey show and I wake up one day went to make my truck payment and realized more money was going to the payment than the interest so I started paying more money on the loan till I paid it off, then I started with the next loan and I got addicted to paying off my loans one after the other including paying off my house and that was the happiest day of my life being debt free ,no one told me what to do I just realized what I needed to do and done it, and it was just that simple my husband trusted me to do what I was doing , he worked and made the money and I paid the bills off.
Let your kids go to public school and develop a business in something you are passionate about. Location is always a peoblem, California is the most expensive state in the USA
Maybe she is passionate about homeschooling her children.
Have you seen what's happening in public schools? I'd never put my kids in that environment.
Well Fresno is like Oklahoma but without all the charm. It really is the armpit of California. Their mortgage payment is only $1400 a month; they'd pay more than that for rent.
How do you work at home and home school 4 kids at the same time?!?!
Lol this is not a “real remote worker” it’s just a part time worker that works at home. 😂 there are two types of remote workers higher earners and then lower income workers…
Exactly her description of the homeworker is not what I think of as a true remote worker.
Yup. I work remote (mandatory) and make 170k a year. I get way more done than I did before. So many fewer distractions
@@BusArch42 That’s awesome! What is your profession if you don’t mind me asking?
Stay away from - HELOCS people.
You don't want her as your neighbor. I think I have the misfortunate of knowing her despite just trying to live my life.
Miss you doing show with your daughter Rachel! Rachel is such an amazing compliment to you Dave! Please Dave do more shows with Rachel, you guys are so great together!
That would be the two kinds of workers in general.
She has her own show
Go to her page
Why can’t the kids go out to school so that she can take a full time job that pays more? They have an income problem as much as they have a debt problem, not so?
probably to keep her kids indoctrinated from the woke California mob
This!!!
Maybe they are sick of the public indoctrination camps?? Known as schools
My thought exactly.
Yup. And she could find a job and help pay off the debt. It won't pay off itself.
Wait a minute. She works remotely AND home schools her children? You cannot do both of those tings well. No wonder her company is letting go of remote workers. From what I have seen in my own office, the remote workers are the most demanding and they whine more than anyone.
you can do both just need to be efficient don't assume that every remote worker is incompetent. As always judge on results & make sure everybody is happy.
Maybe she works when her husband gets home, or when the kids are asleep, and weekends.
It was only 800 to 1000 a month by her own admission. So it's doesn't sound like she was working 40 hrs.
@@tkdevlop I think you are underestimating what it takes to teach children. No I do not believe you can do both well unless she is doing the remote work part-time (like 10-15 hours per week).
Stop repeating that lie.
@SilentNot exactly. She was probably just doing what she could to help bring in a little extra income. Nothing wrong with that.
Wait, the pay from the job is $800 to $1000 per month? That is odd, doesn't seem that significant to me.
It’s not. It’s obviously a part time job.
Yes, there’s no way she could have four kids and home school and work full time. Definitely a p/t job.
Way to go Jade!!
There are numerous websites that add specialize in work from home jobs.
The new normal didn’t age well people really believed we were all going to sit home and live behind our computers and bake bread lol
Budgets have to be in perportion to your income. I'm on ONLY S.S. make 1,700. Hud apt 25 % of income . After bills and food there's about 600 left to either save or use for extras that month . You must have the extra to plan for emergencies
I just want to know where Jade gets her glasses from. Seems like she switches it up every time I see her with them on
I'm sorry . . . is this a fashion show?
@@Lugnut64052 it is thank you for asking
The more she says the word yes on the show, the better the glasses get?
@@OTOWN2STOCKTOWN 😂😂😂😂😂😂😂😂😂😂😂😂😂
It can be done, and is worth the price of time and energy.
If I had four kids there’s NO WAY I’d work from home. I had the option when my kids were little but nope, just not worth saving the gas/wear and tear on your car. Maybe she has a better scenario where she can lock herself in a sound proof room, but I didn’t have that.
Remote worker and Student debt loan the new financial nightmares
Look into covering childcare in local gyms where you can bring your kids and make some money WHILE you homeschoool :)
Not the heckin Human Resourcerinos!
Put a sign on your refrigerator that says: THE GOAL - NO HOUSE PAYMENT - ZERO DEBT. Keep that message front and center.
She sounds on edge of terrified!
Send the kids to public school!
They did have more than enough income so how did they ever get so upside down?
Time to stop spending and live on 50% of their income and send the rest to debt
reduction.
The good news is unless you live in a high-income tax and high property-tax location, your taxes will
be very low.
Honestly, in this day and age I don’t see how couples think they’re going to make it off of one salary when they have a bunch of kids. That one person would have to be making ALOT of money!
Feminism brainwashed everyone into thinking that working is empowering. Now we all work for peanuts.
In the UK you can do it, but not with debt and not by winging it.
Eh it's not near as bad as you think. Depending on where you live it should be pretty easy.
We're doing it. 60k/yr in Reno NV.
@@scottgiles3053 I'm a ups driver and we have tons of guys in are center doing it on under 100k
My wife says "our marriage is worse than I thought." I took her to Arby's for her birthday.
I'd love a beef n cheddar right now
Those kids need to go to school and she needs a job
you know whats bad?THAT DOG IN THE BACKGROUND!wow
Hey Jade… good to see you’re still here!
By the way, there's been no welfare, Wic, free lunches! Just be smart, make good decisions!
How do you home school and work?
why. ,,,are her kids home school,,,! That’s part of the problem,,, she should put her kids in school,,, and go out to fine a job,,,,
Not if the schools in their area are bad, using bad curriculum, etc. schools are absolutely failing at educating kids.
They live in Fresno. Its like a super poor L.A. I would never put my kids in school there.
How do you put a 1 year old in school?
@@joyfulhomemaker8053 They can't be any worse than whatever "education" the caller - or respectfully - you can provide. Yes on sending the older kids to public school, where they can learn about slavery and evolution.
@Busy S Are the homeschooling parents trained teachers, or have degrees in education?
We Have Your Ideas!!!! Yes They Sound Wonderful!!! But We Need The Places To Go To And People To Talk To Too Actually Make These Deals Happen. Yes We Know Your Ideas Work Already.
Doing cardio to Dave Ramsey. ha
That mission trip is sunk money. The trip itself takes earned money out of the house because he is not working. That mission trip should be given to someone else in the church. Don't send good money after bad money. Jesus will understand.
She justifies it by saying the trip has already been paid for; I guarantee there will be spending on the trip that has not been paid or accounted for up to this point.
@@David-wo9un Yes, it will cost more plus the loss of work time. So it would be better to give it to someone else in the church.
She can work nights, after he gets off work.
Ramsey will never recommend that. Only the man works.
That’s probably what she’s been doing
@@BusArch42 Exactly!
If your job can be done remotely, it can be done from India at half the cost.
Send the kids to school and get a job. Homeschooling isn’t going to help with their social development.
You're 100% wrong on the social environment. it's been long sense debunked.
Start an at home daycare. There is child care shortage, currently.
Ever heard of graveyard shift? Go work nights, evenings, and weekends lady 🙄🙄
Put the kids in school and GET A JOB!!
Send the kids to public school. Go to work.
Again the shots at remote workers….
Of course. Not needed.
BACK IN YOUR CAGIE, WAGIE.
They always need to push this.
She got a remote job before, so get another remote job or side hustles from home.
She could do other things from home. If she cannot find another 'remote' type job, then how about home schooling other kids for those that want their kids out of the system?
What they really mean is the husband will be going crazy
I don't know why shes worried. Her husband was as is the one paying majority of the bills. Her remote jobe wasnt bring much in nd she probably was spending most of it on herself
Send the kids to school. Get a job. Pay it off in a year.
Have you seen what's happening in public schools? I'd never put my kids in that environment, not even for a year.
@@ZannaTheGreat you keep commenting this like public schools are prison and like many of us didn't go to public schools. Her other choice is to not generate any income and wallow in this burdensome and stressful situation but hey at least the kids will be homeschooled by somebody unlikely to be as qualified as actual school teachers!
The child care for a one year old would be really expensive.
She's losing her job because she's a remote worker who is homeschooling. She's not paying attention at work.
I need this help also. Please
I love Dave Ramsey and keep pushing my wife to keep to our budget. But i hate when he give hyper vague advice. 'There are a lot of side hustles you can do at home for a $1,000.' Like what? My wife has looked. So what is this magical side hustle?
There are plenty of work from home opportunities she can find!
So she was making $9600 - $12k a year? Lol
I bet HE isn't freaking out! Love the "heart of a mother" but it definitely needs the "head of a father" to give the situation perspective.
The first thing I thought was people need to stop having kids I’m sure 4 kids doesn’t make things easy financially
If they sell their house, where are they gonna live? U can't rent a house for 1400 a month. Even Dave is not so fast to tell people that any more.
Time to put the kids in school and look for a new job.
You got time to "do" cardio, you got time to work some side hustles.
If she is "homeschooling" her kids, then she is not really working at her job at home. She should put the schools in public school so they can get a decent education and get a real job. The caller is lazy IMHO and needs to get a job.
This is why you invest in videogames
I think Dave needs to stop pushing the idea of giving it’s my opinion that if a work hard for my money I’m not giving it to anyone else maybe it’s his way but I don’t think it needs to be preached as the way
How do you have a mortgage so cheap in California 😳
Well, Fresno. No one in their right mind wants to live there.
Put that dog on eBay. 😂
A dog is another luxury they can’t afford.
✝️🙏