LOVED this caller and Dave’s gentle but firm fatherly way with her. ❤

Shes been hearing her entire life that people should have no differences and that if someone goes out every weekend to eat and drink, friday through sunday then she should too be able to do that, and thats not how real life works.

@frankbatista.official

Жыл бұрын

Exactly 😢

@jakeleisure8326

Жыл бұрын

or she graduated college and expects to one day retire, lol good luck to her generation, they're gonna need it

@goalie2998

Жыл бұрын

@@jakeleisure8326 being 25 is a long way to go.

@joseCalderon1976

Жыл бұрын

I asked my 20yr old Co worker why he bought a brand new expensive $30k car like a year ago. He visto told me because all the other kids were doing the same thing 🤦.

@guyrose2350

Жыл бұрын

@@jakeleisure8326 lol almost every person I know in my generation (25yo) drives 20k cars, buy luxury items, travel and go out partying etc. none of this is bad at all, but they then go on to complain that they don’t have what I have at 25, I now have small passive income that’s growing day by day and can work a job I actually enjoy as I don’t have to stress about a dollar… that meant I drank cheap, ate cheap, didn’t go to Sunday brunch etc. or have cocktails after work like 90% of the people in my area do. It’s much harder these days, but not impossible and many don’t realise how much little things add up over time.

That pause after he said and someone says let's go get a drink lol

Dave's been doing this a long time. When he puts down his pen, you know it's not a money problem.

@cogentdesign

Жыл бұрын

Eagle eye!

@HalfcanTattoos

Жыл бұрын

That part

@BlueStreak706

Жыл бұрын

Somebody pay close attention in class.

It's Amazing how Dave can figure people out within 30 seconds. I can see it in his face lol. These characteristics of him is why I listen to my "eleders" and Dave.

I listen to Dave answer these types of questions for years, probably my entire life, but this is the most clear I think he’s put it before, I don’t know something about the way he said it this time made something click in my brain

@frankbatista.official

Жыл бұрын

I totally understand you. I honestly think people have to focus on their priorities and goals, everyone says they have but the truth is that most people don’t take that seriously and they ended up in this situation, that’s sad.

People have to focus on their goals, when you’re motivated by your goals and priorities, everything changes

Math is really hard for a lot of people.

@summerforever6736

Жыл бұрын

Lol

@Georgemorales5559

Жыл бұрын

No it’s not they problem it’s they cant say no Or stop impressing people

@michaelfleming40

Жыл бұрын

No. Math isn't the problem. Discipline IS the problem.

@guap8391

2 ай бұрын

Both of them

What kills me is when i hear gross pay and Net pay is what pays the bills. I make $3k per month, and the gov takes its share and you don't start with that - you start with $2100 or so .Margins are a lot tighter than we think

@kvmairforce

Жыл бұрын

I agree, $50k gross in one job could be $40k, another one could be $30k in another. Deductions are killer, especially healthcare.

@lukerider479

Жыл бұрын

I agree but this caller is making 4K a month. Also at that salary she is not getting taxed nearly 1/3 of her income.

@random-nz7dy

Жыл бұрын

Only making 30 something thousand you're really not getting taxed that much and you're probably getting a tax return most years

@karlabritfeld7104

Жыл бұрын

Yes

@ceecee8757

Жыл бұрын

As a single person, making $45k, no kids, I get taxed and deductions of 21.89%, so really I'm only making $35k annually. With inflation up another 18-20%, I'm treading water. If someone comes at me with saying I get a nice tax return at the end of the year, that's b.s. A less than $1200 tax return is nothing compared to the $10k Uncle Sam already took away from me. I get taxed AGAIN!

It took me writing down a weekly/monthly budget to realize how I needed an extra gig. Totally worth it and it gives me power knowing where my money is going and how much I can set aside to spend and save each paycheck.

I actually liked his advice to her. She is on the right track, just needed a bit of a push. I hope she gets mad about having to say no and becomes a beast as Dave said-so she can cruise into her 30s debt free and in total charge of her life. Best wishes to her!!!

You are a wise man David Ramsey!

Watching from South Africa,I love the show❤️❤️🧡💛💚💙

Man, Dave is always spot on. A lot of the people he has on board as part of his hand off into retirement just flat out suck compared to him. Idc if they're doctors or not. They usually just go with the call like this guy clearly started to do before Dave cut straight to the issue

I'll always have Ramen no matter how broke or rich I get lol

@Kayzinator

Жыл бұрын

Ramen is life

@Leeon_King

Жыл бұрын

@Choice Italiano R-Amen!

@Leeon_King

Жыл бұрын

Facts!

@Kevin.Grindel

Жыл бұрын

Make it at home 😊

@klwarhouse

Жыл бұрын

Until you start to feel the detriments to your health when you age. I'm not just ragging on ramen, all cheap highly processed food.

We need the official Dave Ramsay cookbook on a budget!

@cutenobi

Жыл бұрын

Great idea. Beans and rice, rice and beans. Lol.

@jeffswoyer9898

Жыл бұрын

@@cutenobi need variations - spices, etc

@Georgemorales5559

Жыл бұрын

@@cutenobi u stole my words 🙂

@oliviafox6745

Жыл бұрын

There are a couple good cookbooks out there already. Living on a Dime cookbook and the old standby the More with Less cookbook.

@jeffswoyer9898

Жыл бұрын

@@oliviafox6745 I cook a lot of things in a Dutch Oven made in France. While they are expensive, they are an investment, not a cost. You can make 10-12 servings of chili in one.

I love how Dave always gets perspective on their whole lives then teaches while the other hosts rush into talking through the baby steps

Hello everyone🙏🏼 have a blessed day!

@summerforever6736

Жыл бұрын

From the lourd?

I am not struggling anymore, far from it. But still eat my favorite struggle meal often. Can of corn, fry it in olive oil until slightly brown, some salt on top. The best! The best things in life are free...or simple.

@goesbyAustin

Жыл бұрын

I’ll have to try that out! We need a Ramsey cookbook with simple, cheap ideas like that

@eggsinsideme

Жыл бұрын

@@goesbyAustin Agreed. How is there not a Beans & Rice cookbook yet?

@Madmorda

Жыл бұрын

@@eggsinsideme I'd love a struggle meal ramsey guide. Baked potatoes with salt/pepper are my struggle meal. It's like 16 cents per potato, and baked potatoes in an air fryer are so crispy and perfect. Not to mention filling and nutritious. Also Oatmeal for breakfast.

@TShirtAndReeboks

Жыл бұрын

I love slow cooker cuban black beans and rice.

Going out to eat and drink with her friends is not a need, it’s social entertainment at a premium cost. Saying no to yourself is the fallacy of this generation.

I love you guys

I love tuna, $.77 a can at Aldi, fills you up good especially with some salad greens from my garden:)

@MattPryze

Жыл бұрын

Mercury and microplastics

@nodsib

Жыл бұрын

Don’t like plain tuna, but I’ll take a toasted tuna sandwich any day

@summerforever6736

Жыл бұрын

Too much mercury! !

@summerforever6736

Жыл бұрын

Tuna is trash from the farm high in mercury

@summerforever6736

Жыл бұрын

@@MattPryze I just said the same thing! sardine ie much healthier

I’m glad I have no serious debt the only debt I have is $15 😂 which I’m going to pay back tomorrow morning

@AndreyKvyatkovskiy

23 күн бұрын

$15,000,000? 💀

I completely agree with Dave. Tuna taste like poverty. Takes me back.

😱😱 Dave actually said you can go out for drinks while on baby step 2 🤣🤣

Henry Ford sais; "If you say you can, or if you say you can't, you are correct"

@WeBeatMedicare6969

Жыл бұрын

* says

I want one of those sweaters.

@summerforever6736

Жыл бұрын

I dont

@sblijheid

Жыл бұрын

Me too.

@ceecee8757

Жыл бұрын

I do.

this call is a mess

Her $3k should be the budget. Use fitness job money to pay down school loan principle.

@lexalee5795

Жыл бұрын

Great Idea! I agree!

The food I will not eat anymore is beans. I ate so many bowls of beans when I was working my way through tech school I never want to eat another bean again.

I love my lean cuisines though 🤣

I am 💯 k in debt 💸! I feel ya

@Man_in_a_Gucci_Suit

Жыл бұрын

What education did you get for that tho?

She needs to get on an IDR repayment plan, assuming she has federal loans

$200 a month on car insurance seems awful high. 🤔

@Howdy762

Жыл бұрын

Yeah. I'm 25 yo male and got a C8 corvette. It's $160/mo lol what is she driving?

@corbindaquino

Жыл бұрын

Welcome to car insurance in Canada!

@lmfao69420

Жыл бұрын

Maybe she should spend 15 minutes to get Geico and save 15% or more on car insurance. 🦎

@choicemeatrandy6572

Жыл бұрын

Depends on where you live.

Dave talks about how debit cards have good protections. Read the gazelle debit card disclosures. It's worst then cc's.

@amireallythatgrumpy6508

Жыл бұрын

All CCs have TERRIBLE protections so it must be bad.

@treyhall9138

Жыл бұрын

@@amireallythatgrumpy6508 This is just factually not true. Like you can easily google this. CC's have great consumer protections typically.

@amireallythatgrumpy6508

Жыл бұрын

@@treyhall9138 🤣🤣🤣🤣 What most people call great is actually terrible, given that people have extremely low standards. That is factually true.

Y’all be so harsh on this girl when she is 25 and learning how to budget. She’s way ahead of most people at that age

@dcg590

Жыл бұрын

Is not. She’s only 25 and already complaining about adulting. Too bad. You borrowed way. Ore m9e y than you should have for a degree that is t worth that much. She’s just like the rest of them whining after the fact

Just be like Dave and claim bankruptcy... he's such a good role model!

He's right about change and finding a why.

I wonder how much her phone bill is.

@ceecee8757

Жыл бұрын

Probably $80/month, but that's minute compared to $650 rent, student loan, and car note.

@jimroscovius

Жыл бұрын

@@ceecee8757 I'll bet it's $100, at least. Plus the bar bill from the weekend, along with the eating out.

60K in student loans for a 36K salary! Jesus.

@woodysrockspyro6436

Жыл бұрын

People aren't very bright... school doesn't seem to help either. 😂

Makes more money doing fitness classes than her job that required her to go to college and take out student loans.

@darex0827

Жыл бұрын

Not much different than myself after getting my engineering degree. At first I wasn't making much more than as a personal trainer, but I am making a heck of a lot more in the long run.

@meesc3556

Жыл бұрын

@@darex0827 ummm, what kind of engineering degree did you get? Was becoming a professionally licensed engineer in the picture?

@random-nz7dy

Жыл бұрын

Not as a defense of her college degree. But if she tried doing the fitness thing full time I guarantee she wouldn't be averaging $55 an hour.

@ryankiel4895

Жыл бұрын

That's quite ironic if you think about it.

Sounds like she doesn't really have a budget. That's where to start. Take care of the monthly recurring expenditures first and whatever is leftover gets thrown at the debt.

What do you do when you're doing everything right but the jobs/income in the area aren't consistent enough? I live with my dad and can't get moved out so moving doesn't seem to be an option even tho it might be a solution

@robertfrank6058

Жыл бұрын

Get remote / online work. There is tons of opportunities out there. Also do local gig work where you can like mowing lawns, babysitting, shoveling snow, pizza delivery on weekends, etc. save up and move somewhere with more opportunities.

$3k a month is not much. at least here in miami

“When I see the extra money I think that’s spendable income “ so there’s no point when there’s any money that she sees as useful to accumulate for the future . It’s all either being spent on bills or it’s spendable income . That’s a tough mentality to succeed financially with .

She is talking Canadian dollar, by the way

You don't have a No button , ha

Man, that gazelle thing didn’t work out, did it?

Ramsey cut George real fast.

@fauxbro1983

Жыл бұрын

Cause dave is the alpha all the other hosts can't get to the point

@ScottyKnows94

Жыл бұрын

@@fauxbro1983 dave is anything but, double standards for all the 'strong and independent' women

@hiphopjewels

Жыл бұрын

@@ScottyKnows94 No, he just requires men to act like men, and women to act like women. Those standards are not the same for someone of his faith and generation.

@DeionSardines

Жыл бұрын

1:50 😅 jk

@joefunk76

Жыл бұрын

The price George must pay for that sweet gig.

I thought student loans were paused.

@zacsmith7438

Жыл бұрын

Canada

Her margin for error is slim but possible

With a $200/mo. car insurance bill, she's either a poor driver, she owns a ridiculous car, or she's with the wrong insurance company. DON'T stay with the "big guys"! Do your research; there are small companies out there that will insure you for half of their rates.

@oliviafox6745

Жыл бұрын

Someone mentioned she lives in Canada and that car insurance is much higher than in the US.

Nobody can get ahead with these prices! I feel it anywhere I go

@ceecee8757

Жыл бұрын

Same!

@dcg590

Жыл бұрын

Why is the loan so big? Should’ve got a degree where it’s worth the loan

SHE NEEDS A ROOMATE TO SHARE HOUSEHOLD EXPENSES, STOP BUYING IPHONES, AND STAY OUT OF THE CLUB!

@donaldlyons17

Жыл бұрын

Do you not know how many roommates are broke and will end up leaching off her? That is not everyone but plenty of people don't make more than they spend so...... I suggest she search for hood rich not normal people!!!!

Tanis, from Canada? Does she know Wayne and Darryl?

I get what Dave is saying about zero budgeting but 2-300 between paychecks is a decent amount of money if all of your basics are taken care of. She needs to stay out of the bars 🤣😂

File for bankruptcy or tell Brandon to hook you up.

"Wants" do not exist in baby step one and two.

Frozen taquitos

Smart young woman.

I love out self righteous Ramsey is, even when he's wrong, which is a good part of the time.

@jameshudkins2210

Жыл бұрын

Feel free to tell us where he is factually wrong.

@amireallythatgrumpy6508

Жыл бұрын

He's just behaving like the typical American.

@lukerider479

Жыл бұрын

@@amireallythatgrumpy6508 how do typical Americans behave. Also pretty broad statement to put on such a large group of people

@amireallythatgrumpy6508

Жыл бұрын

@@lukerider479 Arrogant, as though they are always right when they usually aren't.

@lukerider479

Жыл бұрын

@@amireallythatgrumpy6508 seems like a stupid thing to pin on 330+ million people. Where are you from?

get cheaper rent, get roommates, go back to parents, get more roommates, sell drugs, make moreeee

DAVE: Little one, it’s a simple calculus. This universe is finite, its resources, finite… if budget is left unchecked, budget will cease to exist. It needs correction.

Eww that’s gross 😂😂

Dave should tell her to start an onlyfans

@SSS-wo2hn

Жыл бұрын

😂

50$ will buy a lot of club sodas, Diet Cokes (when you are 63 you shouldn't be drinking regular Coke). I'm very weird, even through the rough times, I always put money in my IRA. She doesn't mention if she was still contributing to her IRA/401-K.

@jamescohen4808

Жыл бұрын

Canada has different retirement accounts. They use TFSA and a few other options

✝️🙏

My rent is 6k. I make good money but live like a serf in Hawaii . Will never buy a home here

@DJW-

Жыл бұрын

What do you do for a living?

@JP-uy9kq

Жыл бұрын

Hopefully you at least Surf? The surfing surf?

@lmfao69420

Жыл бұрын

Then you're paying way above average... nowhere in the US, even SF and NYC, is the average rent that high.

She doesnt have a student loan payment untill January

@amireallythatgrumpy6508

Жыл бұрын

Should still be making payments regardless.

@Ovulations

Жыл бұрын

@@amireallythatgrumpy6508 sure but if she’s reaching into her emergency fund to make a not mandatory payment she’s at risk of putting herself in trouble

@megalodon1726

Жыл бұрын

She's in Canada. The US student loan moratorium doesn't apply to her.

@JPROP-vb7sv

Жыл бұрын

@@megalodon1726 ahhh I didn't hear she was in Canada. I stand corrected

Why is she making student loan payments when they’re currently on hold?

@doubleaz1234

Жыл бұрын

Canada

@Skeagle78

Жыл бұрын

Plus not all student loans are on pause, I’m in the US and I still have to pay on student loans

@memefree3101

Жыл бұрын

She may have a private student loan

@amireallythatgrumpy6508

Жыл бұрын

That shouldn't stop you from opting to make payments...

@sarahaubrey320

Жыл бұрын

I know they are on pause in the US. I don't know if they are in Canada.

Men used to pay for all the drinks at happy hour. I guess equal rights must have changed that.

@jodylarson4697

Жыл бұрын

You're living in the 1970s. That's been gone a long time.

@amireallythatgrumpy6508

Жыл бұрын

Happy hour has got to be the stupidest concept ever. When you finish work, that's when you go home.

@COINsimp2024

Жыл бұрын

Yes men pay, as long as they are wealthy.

@peteranon8455

Жыл бұрын

@@COINsimp2024 Yes, if the ladies are good natured and lovely.

@lmfao69420

Жыл бұрын

I feel like they're still often expected to.

Calgary is way more affordable than some other cities in Canada. There is no excuse to not get ahead there.

Lol she get 45hr she set for life

But I like to whine, it's the only thing I have control over. 🤣😂🤣...

OF comes to mind

As a young man who has worked 7 days a week in construction and still couldn’t get ahead I can say that Dave’s advice doesn’t work for anyone under 35. America was built on a 40 hour work week so we had time for family and time for the lord. He’s telling me to work 80 hours a week🤯 mean while calling young people lazy. No sir your out of date information no longer applies to this up and coming generation. The number add up to not laziness but lack of affordable rent and homes and wages that are equivalent to when uncle Dave was trying to make it. His theories aren’t worth jack anymore.

I didn't hear anything about rent. Can she get a roommate, especially if she is working all the time? Is $3K take home pay? A lot of young people don't realize how much is deducted from their paychecks.

@reese85

Жыл бұрын

Sh said 800 a month

I thought education was free in Canada

@noclueabena3520

Жыл бұрын

No , college and university is not free !!

@esonon5210

Жыл бұрын

@@noclueabena3520 Idk why people say that

@ErickGarcia-gb5fi

Жыл бұрын

I wish 😂

@jl4091

Жыл бұрын

healthcare

@brooke86

Жыл бұрын

No, but a lot of our healthcare is covered. Education beyond highschool we pay for.

She needs to work the pole

I understand that she feels like she's saying so to everything. Dave's whole system stems from having no social life and no entertainment in your life. Sure, you can get out of debt quickly, but why not just make it take an extra year or two and have a life along the way.

@dreamingfool2

Жыл бұрын

Because eventually an emergency or a great deal or something will always come up in between living life. The whole point of having no life, no eating out, scorched earth is TO MAKE YOU UNCOMFORTABLE. This makes you want to pay debt off faster and hopefully learn never to go backm

@jimroscovius

Жыл бұрын

Because the idea is to be gazelle intense and get out of debt as quickly as possible. Then you can have an even better life.

@amireallythatgrumpy6508

Жыл бұрын

There's plenty of good free entertainment. Most entertainment you have to pay for is not worth it and is a waste of time anyway.

@joeplem5329

Жыл бұрын

I'll pick not having a social life and saving my money over working 60+ hrs a week spending it all "having fun "🤷

@jimroscovius

Жыл бұрын

@@joeplem5329 My wife and I worked like crazy and paid off everything, including the house. Now we invest, go on trips and cruises with our kids, and enjoy life.

And that’s why they call it the rat race

That's not making sense. How does she make 4000 bucks a month and is still broke with here expenses. She should be able to save 500 bucks a month easy.

Aren't student loans forgiven ?

@OzzlyOsborne

Жыл бұрын

Got held up in the supreme court

@shanep2760

Жыл бұрын

She's Canadian

@californiatravelnurse318

Жыл бұрын

@@OzzlyOsborne oh, that's right, they are trying to block it from happening

Who else wants to see Dave and George do a Gazelle Debit Card Rap commercial with their matching hoodies on??

All you have to do is stay away from debt....college is overrated and gives you an instant mortgage...skip car payments waste years of your life slaving at a job you hate all to put into a depreciating item...skip Figure out a way around the "College Mentality" and "brand new car" and you will gain back your time and your life.

College educated and earning $36k? That needs to change.

@pscih7149

Жыл бұрын

She makes that after taxes. So she’s probably $50k salary. Which is very normal for a 25 year old college graduate.

Dave is tired! !

Basic faken math people

I thought based on the thumbnail that Dave was going to be a lot harder on her.

she has 2-4 years tops to go find a real man. before she is left over. max out everything gazelle speed, finding a man. no gym rats. go out every chance to find the man. dont sit at home. start Ramsey at 30, if she can't be picked or lock him down.

@katie8325

Жыл бұрын

What are you talking about? I found my long term partner at 34..

What's her degree in? She's only making $3000/month from her day job.

She owes a whopping $60k on her student loans in Canada and only makes $3k/month at her salaried job!? Our schooling isn't expensive like the USA how did she rack up $60k and what on earth did she take a loan out to make such little money!? She must have not worked at all, no scholarships/bursaries and also borrowed for rent or else I don't know how her loan was so high.

@dericanslum1696

Жыл бұрын

...it's just as expensive but someone else just pays more of it for you...

You know who can always get ahead? Jeffrey Dahmer.

Why is she making student loan payments when they’re currently on hold? Also her rent is only 800… something’s not adding up. I have the same income, but higher rent, and I’m still able to get by.

@Andrew-ro6cr

Жыл бұрын

When did she say her payments are on hold? She's in Canada, not the US.

@christinegreen3974

Жыл бұрын

Even if payments are on hold, that's when you should tackle them. There was no interest being charged for months and months in thr US. That savings is huge! It's the only way I was able to pay off my student loans without taking 5+ more years. The interest is what is brutal, so a wise person would throw everything at those payments when there's no interest. If you're delaying, you're just kicking the can down the loan. Suffer now to lighten the load later.

@edhcb9359

Жыл бұрын

@@Andrew-ro6cr That’s impossible for her to have student loans. She’s in Canada, the mystical legendary country where everything is free! 🤣🤣🤣

@amireallythatgrumpy6508

Жыл бұрын

That shouldn't stop you from opting to make payments.

She should start a OF account.

@maximusdecimusmeridius5438

Жыл бұрын

No!

@untouchable360x

Жыл бұрын

@@maximusdecimusmeridius5438 What is your solution to pay off her debt very quickly?

@maximusdecimusmeridius5438

Жыл бұрын

@@untouchable360x stay the course no need to sell your soul for monetary gain and contribute to this degeneracy

@krobdawg

Жыл бұрын

She sounds like someone (voice wise) who already has one

@phipsdeus2

Жыл бұрын

I thought she already had one.

First like! First comment!

once again George shows lack of competence in his role and Dave has to save the day

@JP-uy9kq

Жыл бұрын

Lol pretty much

@amireallythatgrumpy6508

Жыл бұрын

You mean his lack of worldly experience. Any 62 year old would be able to answer this question better than any 32 year old...

She's fit eh? And 25? Why not marry a rich guy already?

@beerkegaard

Жыл бұрын

Doubt she's fit

Get a room mate. You should be looking for another, better paying job. Or a raise.

She like to have a pickle